text: Items 1 to 12 of 60 total 1 / 2 / 3 / 4 / 5 Next View: 12 / 24 / 48 A M A Z I N G !!! By DJ on 9/8/2014 DJ would recommend this product to a friend The build quality is top notch!! The kit has everything you need, and more!! Instructions are fool proof, and the system works fantastic!!! A Must have for any reef keeper!!! Thanks BRS this unit is worth every cent! Surprising!! By Devin on 9/3/2014 Devin would recommend this product to a friend This is an amazing unit! Build Quality is way above average!! For the money, you CANNOT do better than this! it is so easy to use and set up, everything you need comes with it!! Thanks BRS!!! Great system By MICHAEL on 6/23/2014 MICHAEL would recommend this product to a friend This a great water making system. The TDS meter lets you know that you are making good water or it's time to change those filters. I've had mine for a year now. The only part I had break was my fault the elbows on the water inlet are not made to withstand impact from concrete. Simple and cheap fix though. Be aware that RODI water is made faster as temps are elevated and very slow on cold water. I hook mine up to a water hose (part provided) and make on the weekends. I make about 50-60 gallons a month. At that rate Ive changed my filters once after about 8 months of use. Very good deal and best set up By BostonReef on 6/3/2014 BostonReef would recommend this product to a friend Took less than two hours to have it installed under bathroom sink, since it came with every possible connection. This way I have the waste/pure water lines run into the bath tub so theres no worry of overflowing. Running well at ~55 PSI and producing about 2-2.5 GPH. For the price, you can't beat the quality, out-of-the-box functionality, and especially the dual TDS and pressure meters. These combined with the autoflush system make it a breeze to know whats going on and extend resin/membrane life. When I turn on after sitting off, I autoflush and watch the TDS in plummet from ~150-200 to 8-10, which is where it tends to stay. Always 0 TDS going out so far. I will update if I find complaints, but so far I'm thrilled. Essential Accessory By Alex on 5/19/2014 Alex would recommend this product to a friend If you are serious keeping a reef tank, you have to have one of these RO/DI units. I got the 5 stage chloramine plus and it's worth every penny. The construction is first rate and very easy to assemble. It comes with all the accessories to hook it up out of the box which is a nice touch. I like the ability to measure the total dissoved solids as an extra peace of mind. I've had it for a few months and there is no going back. Highly recommended! Great Product & Excelant Workmanship! By Jamie & Cora on 5/16/2014 Jamie & Cora would recommend this product to a friend This is a great value and well worth the price! I wrestled with investing in an RO/DI system thinking I could skate by with a economy filter system from a competitor. Boy was I wrong. I wish I would have invested in this system first. These guys really know what they are talking about and had me sold after I watched the video. BRS you have a gained a loyal customer. For all others riding the fence, make the purchase. You WILL be glad you did. Great product By NIck on 5/10/2014 NIck would recommend this product to a friend I bought 5 stage with Chloramines remover and upgrade to 150 gpd. This system is great and works perfect. Great Product! By Sam on 4/23/2014 Sam would recommend this product to a friend Shipping and packaging was excellent. Quality and workmanship is far better than any competing product. Overall value and performance is exactly what I needed. Awesome By Austin on 4/19/2014 Austin would recommend this product to a friend Just installed and checked out my water. The RO unit gets me down to 30 ppm and he DI has me clean at 0. I live in a 100 year old house with old pipes and this unit is able to get me down to a TDS of 0 Great By Mark on 4/15/2014 Mark would recommend this product to a friend Very well constructed and easy to assemble. Good job Best Value Around! By Geoffrey on 4/1/2014 Geoffrey would recommend this product to a friend I couldn't be happier with my 5 stage chloramines plus system it has worked excellently thus far. I purchased it when it was deal of the day and it's the best money I've spent for equipment. You get an top notch constructed ro/di unit that so far for me has made perfect 0 tds water (about 100 gallons so far). Love this BRS made unit have had zero second thoughts. Happy tank By spankme10 on 3/31/2014 spankme10 would recommend this product to a friend Happy tank. Happy Us. Super easy to assemble. Love the auto shutoff. Next purchase, float valve and storage tanks. At 60 psi I'm seeing about a gallon per hour with the 150 gpd add on kit. It cut the waste water discharge in half. Write Your Own Review You're reviewing: BRS 5 Stage Chloramines PLUS RO/DI System - 75GPD *How do you rate this product? *Would you recommend this product to a friend? Yes No *Nickname *Summary of Your Review *Review Submit Review


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Disneyland's Loaded Potato Soup Recipe
- Posted on
- 34 Comments
My family LOVES Disneyland. It is seriously my mom's favorite place on earth! Growing up, we made a trip to California about every other year to visit that magical place.
Loaded Baked Potato Soup
Adapted from: Disney Parks
Makes 8 servings
1 pound bacon, roughly chopped
1 medium yellow onion, diced
1 large carrot, peeled and diced
3/4 cup diced celery
4 large Russet potatoes, diced
4 medium red potatoes, diced*
1/4 cup flour
2 cups chicken stock (broth works fine too)
Salt and pepper, to taste
4 cups heavy whipping cream
1 (15 oz) can corn, drained (optional, I just added it because it sounded good!)
Optional garnishes: chopped chives, bacon bits, sour cream, shredded cheddar and Monterey Jack cheese
- In a 6- to 8-quart stockpot over medium heat, fry bacon until crisp.
- Remove bacon and drain on paper towels, reserving half for garnish. In bacon fat, cook onions, carrots, and celery until the onions are translucent. Add potatoes and cook for 4 minutes, stirring occasionally.
- Whisk in flour and stir constantly over low heat until the flour is cooked and the mixture has thickened slightly, about 5 to 7 minutes. Add chicken stock and half of the bacon. Season with salt and pepper.
- Over medium-high heat, bring the soup to a simmer and cook for 25 minutes or until the potatoes are soft. Mash some of the potatoes for thicker, creamier texture. Add whipping cream (and can of corn if you want it) and simmer for 5 minutes.
- Adjust thickness by adding water or stock. Soup should have a creamy consistency.
- Season to taste, and garnish with toppings.
Cooks' notes: Soak diced potatoes in cold water until ready to use to keep them from turning brown. To make bacon easier to chop, lightly freeze.
*I really think that this would still taste amazing even if you used only one kind of potato. I just happened to have both kinds on hand, so that's how I made it . . . but I really don't know if it would taste that much different.
Slow Cooker Cheese and Broccoli Soup
Slow Cooker Tomato Basil Soup
Hearty Chicken Tortilla Soup
Slow Cooker Lasagna Soup
Santa Fe Soup
does using 2 kinds of potatoes really make a difference or do you think using one or the other would be ok?
I really think that it would be fine to use one kind of potato. I actually had both kinds in my pantry so I used both, but I don't think you would taste a difference.
I love Disneyland! This looks so yummy!
We LOVE Disneyland too! This soup looks absolutely delicious!!
So funny … this very recipe (a la Pinterest!) was already on my weekly menu board for this week! Now I REALLY can't wait to make it!!!
And I'm about the biggest Disneyland fanatic on earth.
I can just imagine the smell! I need to go there and soon!!!! I guess the soup will have to do until I can really go there! Thanks for posting Camille!
Thanks for the recipe. I have had potato soup in the back of my mind for the past couple of weeks, so I will have put this on the menu for the coming week.
This looks so good! And perfect because we just received 100 lbs of potatoes and I need some good recipes. Thanks for sharing!
I made this tonight for my family's dinner, and we loved it! It is now an official "keeper" recipe at our house! Thank you for sharing!
Anything from Disney is gonna be awesome!
This looks so good! I can't have wheat so I'm going to try to make it without the flour.
Ohhh wow! I have totally had this soup. It is amazing! Man, coming to your blog is dangerous! My mouth is always watering! This is a must-try!
This is so great for when I need a Disneyland fix. I just pinned this, thanks! I am a new Fb fan visiting from Tatertots and Jello. Vicky from Mess For Less
I messed up
I got distracted by my kids and accidentally added the cream before the potato was fully cooked. Is cooking the potatoes in the cream going to ruin it?
What could I use in place of the heavy whipping cream?
Maybe half and half? It might not be as creamy, but it would probably still be good!
I used 2 cups of 2% milk and 2 cups of half and half. It was very good–not watery at all.
This is absolutely the BEST soup that I've ever had!!
This is absolutely the BEST soup that I've ever had!!
I made this on Saturday with half & half because I didn't have any heavy cream and it was delicious but very very rich. Thanks for sharing.
I make soup just like this, except I use sour cream instead of heavy whipping cream.
Sounds yummy! I've made potato soup with a bag of frozen hashbrown potatoes and it turned out delicious. It saves a lot of time cleaning and cutting the potatoes. And being on the east coast, I love Disney World! There's a place near the haunted mansion that has absolutely amazing new england clam chowder in bread bowls. Maybe it's the same vendor?
Approximately how many servings does this make? Looks delicious!
This recipe makes about 6 servings. -The Six Sisters
I just made my first pot. It was terrific! I did make a few minor changes. Let's say that I made it a bit healthier–less bacon and half 2% milk and half half and half. I did combine the flour with the chicken broth before pouring it over the potato mixture. I let it simmer for about 20 minutes after adding all the ingredients. It was thick and delicious. I posted a picture on my Facebook wall of how it looked in the soup mug with the cheddar and bacon garnish.
I would love to try this — but I have a poultry allergy. Is there a good substitute (vegetarian or otherwise) for chicken stock or chicken broth?
Would love to know how many servings this is. I often host a "Soup Night" and this would be a great addition!
I've made this several times (YUM!), but it's been a while and I can't remember what I did about the broth issue–2 cups of broth are not enough. I poured in the entire box of broth (4 cups), and it doesn't even cover the potatoes to cook them. What am I missing??
Can corn starch be used in place of flour? I'm new to gluten free cooking, and I'm bummed I didn't make it before going GF!
This is from the Carnation Cafe on Main Street USA (I'm obsessed with all things Disney!). I've made this recipe many, many times and it's amazing. I've also had the real version which is incredible. Disney does it well
Do you know if I can double this recipe and freeze half for later?

subset: commoncrawl


text:
BONDURANT, Iowa, (UPI) — An Iowa woman who purchased a lottery ticket from a grocery store said it took her a while to convince her husband they had won the $202.1 million jackpot.
Mary and Brian Lohse of Bondurant said Mary bought the Powerball ticket last week at Casey's General Store and it took her a while after the drawing to realize she had won, ABC News reported Friday.
"I have the last three numbers and I was like, 'Well, crap, I think I won at least 100 bucks," Mary Lohse said. She said it took her a few more minutes to realize all of her numbers matched.
However, she said it was even more difficult to convince her husband, who was on a business trip, that she was holding a winning lottery ticket.
Brian Lohse said he didn't start to take his wife seriously until she asked him for directions to their attorney's office.
"I figured perhaps she wasn't pulling my leg," he said.
The couple, the sole winners of the jackpot, said they opted for the lump sum payment when they claimed their winnings Thursday, reducing the payout to $129.8 million, or $90.9 million after taxes.


text:
We have purchased 3 different Keurig brewers in the last 3-4 years and none have lasted more than 1 year without problems, making a replacement necessary. Is there any way to get better service out of our machines? We use softened and filtered water and still cannot get more than a year. We follow all the recommended descaling and other maintenance.
I would even be willing to pay for a "service contract" if we could get warranty service or replacement as needed.
Keurig will not help. we have tried. You would think that buying $100 worth of coffee every month would merit a better warranty, just to keep us buying Kcups
I miss my Keurig coffee, we are now using a Mr coffee and plain old Folgers. Feb 28, 2013
I chose the B145 because we had a B145 where I work and it lasted well over a year making 20 to 30 cups of coffee per day. We ended up replacing it with a commercial unit that has water plumbed into it. Mar 1, 2013
Keurig Elite B40 K-Cup Brewer
Video Length: 01:26
The Keurig B40 K-Cup Brewer is featured in this video that focuses on this unique K-Cup coffee maker's features. Learn what options are available to owners of the Keurig B40 K-Cup Brewer and pick up tricks and tips to get the most out of this single cup coffee maker. Our informative video focuses on this coffee maker's abilities and limitations to ensure that you are informed when you pick the right K-Cup coffee maker for you. Watch this Keurig B40 K-Cup Brewer video to learn more today.
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Premier League club Sunderland says it has 'parted company' with manager Paolo Di Canio
Posted Sep 23rd 2013, 04:37am by AP
... SUNDERLAND, England (AP) — Premier League club Sunderland says it has 'parted company' with manager Paolo Di Canio. ...http://www.scmp.com/news/world/article/1315686/premier-league-club-sunderland-says-it-has-parted-company-manager-paolo
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Sacked Sunderland manager Paolo Di Canio's style 'led to his downfall'
Posted Sep 24th 2013, 12:00am by AFP
... Steve Bruce believes Paolo Di Canio's heavy-handed managerial style was one of the key reasons that led to the Italian's downfall as he was sacked as Sunderland head coach ... defending the Italian. "I really am amazed. Paolo Di Canio hasn't changed from the guy he was a year or two ago," he said. "I assume, maybe naively, that Ellis Short and his ...http://www.scmp.com/sport/soccer/article/1316222/sacked-sunderland-manager-paolo-di-canios-style-led-his-downfall
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Sunderland worries not over, says Paolo Di Canio
Posted Apr 21st 2013, 02:45pm by AFP
... Agence France-Presse Paolo Di Canio might have transformed Sunderland's fortunes in the past three weeks, but the Black Cats manager claims his side cannot take Premier League safety for granted. Di Canio's team followed up the remarkable 3-0 win over Newcastle with a 1-0 success against Everton that lifted them six points clear of third-bottom Wigan in the fight to avoid ...http://www.scmp.com/sport/soccer/article/1219834/sunderland-worries-not-over-says-paolo-di-canio
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Paolo Di Canio can halt Black Cats' relegation march, says John Terry
Posted Apr 07th 2013, 12:00am by AFP
... Agence France-Presse in London Chelsea skipper is convinced Sunderland's new controversial coach will make an instant impact as Italian brings his side to Stamford Bridge Di Canio can revive Black Cats, says Terry Chelsea captain John Terry has backed Paolo Di Canio to revive Sunderland as the controversial Italian prepares to take charge of his struggling side for the first ...http://www.scmp.com/sport/soccer/article/1208750/paolo-di-canio-can-halt-black-cats-relegation-march-says-john-terry
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A Bad Week for … , April 7, 2013
Posted Apr 07th 2013, 12:00am by STAFF
... Paolo Di Canio The former Italian soccer star achieved his ambition to manage in the Premier League with Sunderland - and immediately stepped into a row about his past statements on politics. Di Canio professed in 2005 to be "a fascist" - albeit not a racist. His appointment to the hot seat at the Stadium of Light prompted former British politician David Miliband ...http://www.scmp.com/comment/insight-opinion/article/1208775/bad-week-april-7-2013
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Fascism row engulfs Di Canio, new club Sunderland
Posted Apr 03rd 2013, 09:45am by Associated Press in London
... Associated Press in London Can someone who has admitted to supporting fascism manage a Premier League team? That question has engulfed English football since Paolo Di Canio was hired ... fascism." "The people who are talking in this way, they don't understand Paolo Di Canio," Di Canio responded. "I don't understand this problem." The manager's task is keeping Sunderland ...http://www.scmp.com/sport/soccer/article/1206003/fascism-row-engulfs-di-canio-new-club-sunderland
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Two fascists: one fighting for his young career, the other capping his at Sunderland
Posted Apr 06th 2013, 12:00am by Peter Simpson
... Peter Simpson It's hard to reconcile the vastly different treatment meted out to Giorgos Katidis and Paolo di Canio over their outbursts Better to have a fascist in the open than in the closet Greek footballer Giorgos Katidis and Sunderland's new manager, Paolo di Canio, have much in common. Both hail from the sunny shores of the Mediterranean, both are talented footballers ...http://www.scmp.com/sport/soccer/article/1207883/two-fascists-one-fighting-his-young-career-other-capping-his-sunderland
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Short Soccer, February 3, 2013
Posted Feb 03rd 2013, 12:00am by AGENCIES
... games," Susaeta said. "We hope we can continue to do so and move up the standings." AP Di Canio fumes after star player is sold Paolo Di Canio is considering his future as manager ... to promotion rivals Bournemouth on transfer deadline day. "We were assured he was going nowhere and money would be made available for the squad to be strengthened," Di Canio said. ...http://www.scmp.com/sport/soccer/article/1142156/short-soccer-february-3-2013
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Sunderland's Di Canio vows to keep cool as pressure mounts
Posted Apr 09th 2013, 08:09am by AFP
... Agence France-Presse in London Paolo Di Canio vowed to keep his volatile temper under control after the controversial Italian's debut as Sunderland manager ended in a frustrating 2-1 defeat against Chelsea. Di Canio's two-year spell in charge at Swindon was described as "management by hand grenade" by the club's former chairman and his reign with the Black Cats has ...http://www.scmp.com/sport/soccer/article/1210519/sunderlands-di-canio-vows-keep-cool-pressure-mounts
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Delighted Di Canio dedicates first win with Sunderland to his mother
Posted Apr 16th 2013, 12:00am by AFP
... Agence France-Presse in Newcastle Di Canio on right footing with win over Newcastle Paolo di Canio dedicated his first victory as Sunderland manager to his mother who passed away a year ago. Sunderland won 3-0 in their Premier League derby at Newcastle United to enhance Di Canio's chances of leading the club away from trouble near the foot of the table. And, while ...http://www.scmp.com/sport/soccer/article/1215424/delighted-di-canio-dedicates-first-win-sunderland-his-mother
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Three and a half years after the Great Recession officially ended, unemployment in the United States remains stubbornly high. Yet many employers still struggle to fill certain types of vacancies, especially for so-called middle-skills jobs—in computer technology, nursing, high-skill manufacturing, and other fields—that require postsecondary technical education and training and, in some cases, college math courses or degrees. Currently in the U.S. about 69 million people work in middle-skills jobs, representing roughly 48% of the labor force.
No aggregate estimate of the shortage of middle-skills workers exists, but the number is expected to grow substantially as more baby boomers retire. The problem is most acute in the utilities and aerospace sectors—50% to 60% of whose workforces are eligible to retire by 2020 or likely to leave for other reasons—but it afflicts other industries as well. Although the U.S. Bureau of Labor Statistics doesn't publish estimates of job openings by skill category, combining government data on education and training requirements leads labor market experts to estimate that as many as 25 million, or 47%, of all new job openings from 2010 to 2020 will fall into the middle-skills range. (See the exhibit "The Middle-Skills Employment Landscape.") Shortages of workers for these types of jobs are already undermining U.S. competitiveness and causing firms to shift their operations abroad. Figuring out how to train people to fill those well-paid jobs could help remedy the wage stagnation gripping the country and close the growing gap between high- and low-income households.
The big obstacle is execution. For the past three decades, U.S. businesses and government have focused on overhauling K–12 science, math, and reading education and on addressing persistently high dropout rates in inner cities (see "Rethinking School," HBR March 2012). We certainly recognize the need for such reforms, but progress has been too slow to remedy the looming skills shortages.
With political gridlock and a focus on deficit reduction likely to continue in Congress, the federal government probably won't launch major new education and training initiatives anytime soon. It's more likely that Congress will cut already-limited job-training and other nonentitlement programs. This would extend the weakness in federal support for job training since 1995. Indeed, as the U.S. population has grown since then, funding on a per capita basis has sharply declined.
We think that companies can and should take the lead in training workers to fill the middle-skills gap. Realistically, that can happen on a large enough scale only if business leaders cooperate with one another, unions, and educational institutions, both regionally and nationally. The key words are cooperate and nationally.
Credible data on what businesses spend on training are scarce, but companies are known to target HR investments first when cutting budgets. Many firms fear that if they invest in training on their own, competitors that don't make similar investments will lure away their workers. Collaborative programs reduce that risk. Several models are already proving effective in the U.S. and in countries with similar economies, such as the UK, Australia, and Sweden (see "Enriching the Ecosystem," HBR March 2012).
Our article has two aims: to help business leaders understand these models so that they can choose the right one for their organization, and to highlight best practices from programs that have achieved a measure of success. We believe that the solution to the middle-skills gap is to learn from local and state efforts and to use carefully targeted federal-funding incentives to aggressively expand their numbers and size. We focus on the U.S., but some models we discuss are being—or could be—used in other countries.The Skills Landscape Has Changed
For most of the 20th century, people obtained marketable skills and achieved prosperity in one of two ways. The first was on the job. By promoting from within, firms enabled workers to progress to higher-level occupations. Unions negotiated career ladders that were linked to skills and seniority, and they joined employers at an occupation or industry level to host apprenticeship and other training programs. That system ensured an adequate flow of new talent equipped with state-of-the-art skills.


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The resources on this page provide information on what foods are creditable, by food group.U.S. Department of Agriculture Memos and GuidanceLinks to key USDA memos and guidance on Crediting Foods are provided below.
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Minnesota 11th- or 12th-grade students who hold an elected office in student government or civic or community organization during the 2014-15 school year are eligible to apply for the U.S. Senate Youth Program. Established in 1962, the program offers a unique educational experience for outstanding high school students interested in pursuing careers in public service. Two selected student leaders from each state, District of Columbia and the Dept. of Defense Education Activity will spend a week in Washington, March 7-14, 2015, experiencing their national government in action. Visit the U.S. Senate Youth Website.
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text: Most corporate tax departments recognize the potential of federal tax incentives and credits to lower tax liability. They also know that obtaining the tax benefits of sustainability projects, hiring programs, and similar initiatives may not be easy. The Deloitte Federal Incentives & Credits Services (FICS) group is a national team of specialists that helps companies across industries navigate federal laws pertaining to tax incentives, credits, and U.S. Treasury grants.


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"Love this bra! It supports me and it's comfortable! The price can't be beat." (E60496)
"Great socks for a great price!" (E9482)
"Love love this item. I spend a lot of time outside enjoying wine and this device is perfect for it. Great find and great price" (E47159)
Teamwork Adult and Youth 3-Color Visors [E25813]


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The University of Texas at Arlington is home to the preeminent university-based nanotechnology research, development and teaching facility in North Texas.
The Nanotechnology Research & Education Center is an interdisciplinary resource open to scientists within and outside of the University. Research activities are conducted through mutually-beneficial associations of chemistry, electrical engineering, mechanical and aerospace engineering, materials science and physics faculty, graduate students and research assistants at UTA, as well as collaborative efforts with investigators at other universities and in the private sector.
UT Arlington's Nanotechnology Research and Education Center will join the University's Shimadzu Institute for Research Technologies as of Sept. 1 in an effort to better support faculty research, lower operating costs and adapt to user needs. Click here to read the full article.
Support for The University of Texas at Arlington has reached a new record with $18.9 million in gifts and commitments for the 2011-2012 fiscal year, an increase of about 48 percent from the previous year and the largest ever year-end total. Click here to read the full article.
The University of Texas at Arlington and TechFW, a Fort Worth-based technology startup initiative, have agreed to a multi-year partnership to commercialize University research and move innovation to the marketplace. Click here to read the full article.
A UT Arlington chemistry professor, renowned for his work in the area of chemical separations, is leading an effort to find a more accurate way to measure water content in pharmaceuticals – a major quality issue for drug manufacturers. Click here to read the full article.
Shimadzu Center for Nano Technology Research is open 24/7 for their users!
Nanofab Building (NANO)
500 S. Cooper St
Arlington, TX 76019- 0065
Click here for directions


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Washington DC Nursing
Washington DC nurses can network with like-minded individuals from Washington DC. It's a place where nursing professionals can share knowledge, wisdom, and experience. In Washington DC Nursing, you can discuss your nursing experience, the prevention of illness, nursing schools, hospital, and so much more.
Latest nursing topics sorted by date. All new topics can be found here.


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- Antique Jewelry
- The Ages
- Engagement Rings
- Antique Rings
- Diamond Jewelry
- So Much More
Art Deco Diamond Link Bracelet
All will be lining up for a gander of this 1930 Art Deco line bracelet of 14k white gold. Link after link of filigree and design decorate the wrist with sophistication. Now add the addition of three (3) old European cut diamonds of an estimated .18 carats to the mix and wow.
Date: Circa 1930.
Measurements: 7 inches (18.0 cm) in length when worn by 1/4 of an inch (0.8 cm) in width. Weight of 8.4 grams (5.4 dwt).
Hallmarks: 14k.
Condition: Excellent.
Origin: American.
Note: Diamonds were not removed to preserve the integrity of the setting. Weights are approximated by measurement and formula and may vary from actual weights.
Forms of Payment
- VISA and MasterCard, Discover and American Express credit & debit cards.
- Personal checks drawn on U.S. banks only - Please allow 7 business days for clearance.
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Other Forms of Payment
Bank Wire - For international orders and orders of $5,000 and over. Please contact us for more details.
Layaway information and for full details see Payment Methods.
Same Day Shipping - Order by 1 pm CST M-F!
FREE for All U.S. Orders - Standard 2 Day Shipping.
FREE for All International Orders - Standard 2-7 Day Shipping.
Full details at Shipping & Insurance.
Complete Money Back No-Risk Guarantee
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If for any reason whatsoever you are not completely satisfied with your purchase, we will refund the FULL purchase price including U.S. shipping if charged. Remember, there is no charge for our regular shipping service!
International Orders - Due to customs and paperwork requirements, return shipping charges cannot be reimbursed.
Return Procedure
- Notify us of your intention to return the item within three (3) days of receipt. You may contact us by email or by telephone.
- Please ship back to us within another two (2) days after we receive notification from you.
- As soon as the item is received, a full refund is issued to you that same day.
More details at Full Guarantee including gift giving options.


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Make sure that you are using Kdenlive 0.7 svn, which includes record-mydesktop.
Otherwise, use kdenlive 0.7 and GTK-recordmydesktop.
Do not make a tutorial will older kdenlive versions, which are deprecated.
Create a custom project profile (Settings -> Manage Project Profiles):
Make a screengrab with the following settings:
Edit the screengrab in Kdenlive and render using Flash 4000K export setting.
Log in Blip.tv, Google video, or Vimeo.com.
Upload your tutorial.
If requested, select a free licence, otherwize you will not be able to broadcast.
Step 3: Publishing the tutorial on Kdenlive.org
Log in Kdenlive web site.
In the user menu, click on Create content, then Video tutorial.
Enter the following information:
Click on Split summary at cursor button to separate the text between the teaser and the main description.
Click on Preview or Save.
At any moment, you will be able to modify or remove the tutorial.
Wait until moderators approve your post.
You must be the copyright holder of the tutorial or make sure that it is published using a Free licence.
The turorial forum is available here:
A list of possible tutorials:


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- Flat Rate Shipping. Any Size Order! -
- A Portion of Proceeds Benefit Chicago Bulls Athletics -
Main Content
Your little one has the cutest little feet! Keep 'em warm and protected in Chicago style with these Large Logo socks. A big Bulls logo graphic is woven into the lower half while a woven team name sits just below the cuff. Seeing your teeny tiny fan in these Chicago socks will make your heart melt!
- 75% Cotton/25% Stretch nylon
- Fits infant shoe sizes 0-3
- Made in the USA
- Officially licensed NBA product
- Woven graphics
Other Customers also liked:
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Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Find the best motel in New Orleans at Booking.com. The perfect motor lodges and motor inns are waiting for you near French Quarter, Bourbon Street and Superdome. Fellow travelers have booked budget motels near French Quarter (Vieux Carré), Garden District and Central City. There is no need to worry about your New Orleans vacation with Booking.com's great rates and availability.
|Maison Mazant 721 mazant, New Orleans
Latest booking: 15 hours ago
$100 Average price per night
|Motel 6 New Orleans 12330 I-10 Service Road, New Orleans
Score from 160 reviews:Just off of I-10 in New Orleans, Louisiana, this motel has comfortable guest rooms as well as convenient services and amenities near several points of interest. More…
Latest booking: 51 minutes ago
$49.99 Average price per night
|Super 8 New Orleans 6322 Chef Menteur Highway, New Orleans
Score from 573 reviews: GoodThis New Orleans, Louisiana hotel features an on-site fitness center, an outdoor pool and tours of New Orleans. The hotel is minutes from Interstate 10 and downtown New Orleans. More…
Latest booking: 3 hours ago
$58.65 Average price per night
|The Midtown Motel 3900 Tulane Avenue, New Orleans
Score from 217 reviews:In the heart of New Orleans, this historic brick hotel is only a short distance from the French Quarter, and provides guests with comfortable accommodations in a convenient location. More…
Latest booking: 19 hours ago
$53.54 Average price per night
|Best Way Inn and Suites - New Orleans 6042 Chef Menteur Highway, New Orleans
Score from 60 reviews: GoodIn New Orleans, Louisiana, this motel is just off Interstate 10 and is a 10-minute drive from The University of New Orleans. It has rooms equipped with free Wi-Fi access. More…
Latest booking: 8 hours ago
$49.95 Average price per night
|Quality Inn & Suites Maison St. Charles 1319 St. Charles Avenue, New Orleans
Score from 170 reviews: GoodNestled in the lower Garden District, across from the St. Charles Street Car line, this non-smoking hotel in New Orleans, Louisiana offers a free continental breakfast and free wireless internet... More…
Latest Booking: October 29
$109 Average price per night
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Don't let annoying or stinging flying insects get in the way. Ortho flying insect killer
products quickly kill bugs on contact. Because the sooner you can control the bugs, the
sooner you can get back to your day.
Watch how it works!
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Book a Double Points Stay Without Thinking Twice
Your next trip could be twice as rewarding with the 2X Points Package when you book your stay at participating Waldorf Astoria Hotels & Resorts.
The Best of Waldorf Astoria Experience
Book now and receive $50 (€50 in Europe, £50 in the UK) for every night of your stay to use on property.
AAA Family Fun Package
AAA members get a vacation deal the whole family will enjoy, with breakfast for four, internet access, and 5% off at participating hotels or resorts in the Hilton Portfolio.
Triple Your Trip
Earn Triple HHonors Points on Friday, Saturday, or Sunday nights, and Double HHonors Points on Monday - Thursday nights. Just sign up and stay at participating hotels from August 1 through October 31, 2014.
Celebrate with Waldorf Astoria
Stay two or more nights in a premium room and unwind with a complimentary bottle of champagne.
Celebrate Autumn
Your package includes a complimentary one-category suite upgrade at time of booking, a $50 hotel credit each day for every night booked, a bottle of champagne, luxury bath amenities and a True Waldorf Service Ambassador.
AAA Members Experience More with the Best of Waldorf Astoria
Book now and receive a $50 hotel reward (or local currency equivalent) for every night of your stay. And as a AAA member, you will also enjoy 5% off your stay.
AARP Members Can Discover the Best of Waldorf Astoria Experience
Book now and receive a $50 hotel reward (or local currency equivalent) for every night of your stay. And as an AARP member, you will also enjoy 5% off your stay.
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Enjoy a complimentary night at Waldorf Astoria.
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Wake up to breakfast for four and Internet access when you book your next stay at Waldorf Astoria Hotels & Resorts.
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A special limited time offer, fire places & WiFi are included in all suites, a one night non-refundable deposit required.
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Stay two or more nights and indulge in a complimentary 50 minute massage at any Waldorf Astoria Hotels & Resorts hotel spa.
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Take advantage of exclusive savings on Overnight Parking for 1 vehicle during your next Chicago Chillcation. Once you get here, use your parking savings to find your ideal Chicago chill… the car will be the last of your worries!
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With Meetings Simplified by Waldorf Astoria, you and your guests will enjoy a stylish meeting room, refreshing all-day beverage service, and Basic Meeting Wi-Fi to keep everyone connected.
The HHonors Weekend. Unwind with Double Points.
Book The HHonors Weekend at participating hotels within the Hilton HHonors portfolio, and enjoy Double Points, internet access, continental breakfast, and a late checkout - all included.


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The only problem I have ever seen on split limb bows was when one side flexed more than the other and caused severe cam lean. I do not remember ever seeing that on the old Martin split limbs, but saw it a few times on ... well ... another brand that tries to claim the single cam. (the dark side) My brother also had to have his split limbs changed on an older Jennings. One side of his upper limbs had a hair line crack. Just seemed to me that there were more problems with split limbs than solid.
I still do not like drop away rests, just more strings and cables. I just prefer the prong style rests. I know them, trust them and can tune a bow up quick with them because I've been using them for a long time. In fact I think my first compound bow.
Which brings me to another thing. It took me a long time to switch from a recurve to a compound bow .... All my friends had compounds before I bought my first one, and then I didn't hunt with it even the first year I had one.


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- Reviews
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With the tremendous popularity of our 40 oz and 64 oz industry standard Wide Mouth bottles, we decided to add another member to the Hydro Flask family - the 18 oz Wide Mouth! All of the same great features you have come to expect from the Wide Mouth now in a compact, easy to carry size!
These water bottles were developed to perform in every environment. Each Hydro Flask is hand cast from double wall vacuum insulated food grade 18/8 stainless steel, therefore they are BPA-Free and resistant to bacteria and odors. The double wall vacuum insulation technology allows Hydro Flasks to keep contents hot and cold!
- Wide Mouth 2.2 inches
- Double Wall Vacuum Insulated
- BPA-Free
- 18/8 Stainless Steel
- Lifetime Warranty
- Patent Pending


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Jeff and Lori Francis and their 5½-month-old daughter, Riley, are the first family to move into a house in the new Mountain House residential development west of town.
Safeway Stores Inc. will take over operation of the grocery firm's Northern California distribution center from Summit Logistics.
Directors of Bay Area Rapid Transit are studying the possibility of extending BART's Pleasanton-Dublin line across the Altamont Pass as far as Tracy. No decisions have been made.
The Kiwanis Club of Tracy is raising funds to revive the D.A.R.E. program that educates youth about the dangers of substance abuse.
Services have been held for Donald C. Davis, 71, a retired teacher at Tracy High School.
The city of Tracy has filed an eminent domain action against owners of the Grand Theatre property in an effort to begin restoration of the 1923-era theater.
Hot-air balloons lifted off from Lincoln Park early July Fourth morning to begin the annual patriotic celebration.
25 years ago — 1988
Dr. Sunil Patel, specializing in internal medicine, has become associated with the Eaton Medical Group's offices in Tracy and Manteca.
Three Z's Computer Services has won the 1988 Tracy Babe Ruth championship. Ed Martin and Rex Brown are coaches.
Gene Birk, 51, has been installed as president of the Tracy Breakfast Lions Club.
Sales of fireworks are outlawed in San Joaquin County, but a stand is located at the county line on Highway 33 in Vernalis.
The Tracy Angels gained the California Mexican-American Baseball League's playoffs with a 5-1 extra-inning win over Patterson. Steve Gamino's 10th-inning triple was a key hit for the Angels.
50 years ago — 1963
Two 19-year-old inmates at Deuel Vocational Institutions have been charged with murder in the stabbing death of DVI correctional officer Conn Prock, 23, of Tracy.
Tom Matthews, co-publisher of the Tracy Press, has been installed as the new president of the Tracy District Chamber of Commerce.
Irwin Lauppe, controller at the H.J. Heinz Co. factory, has been named chairman of the Tracy Single Fund Drive, which is affiliated with the United Crusade of San Joaquin County.
Marla Hanson of Tracy has been selected "Miss Matsonia" on the SS Matsonia's voyage from San Francisco to Honolulu.
Aerobatic stunt planes and sky divers took part in the Fourth of July air show at Tracy Municipal Airport. A "day in the park" at Lincoln Park and an auto and boat show also were featured.
75 years ago — 1938
Ellen Eliason is leading the contest for queen of the Tracy Fair sponsored by the American Legion.
A 25-year-old native of the Philippines was killed during an altercation at a farm labor camp on Union Island.
The Southern Pacific is offering coach fares from Tracy to San Francisco and return for $1.70.
100 years ago — 1913
The Tracy and West San Joaquin Board of Trade has stepped up its campaign to promote the establishment of an irrigation district around Tracy.
Despite promises from promoters, the road race from Los Angeles to the Bay Area did not end in Tracy. It went to Sacramento instead.
— Tracy Press archives


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Outdoor Games
St. Pierre American Professional Horseshoe Set with Case
Free Shipping Eligible! Up to $15 Shipping Credit.
St. Pierre Royal Championship Horseshoe Set With Case
Free Shipping Eligible! Up to $15 Shipping Credit.
Product Selection
Fun For Everyone: Outdoor Games
Turn up the fun factor at your next get-together. Get the party started with gear and games for the outdoors.
Shop outdoor game staplesbean bag toss, bocce, badminton and more. Prep your backyard for summer with trampolines, table tennis or an outdoor volleyball net. Need a few ideas to get the games going?
Outdoor Games For Kids: Little ones love T-ball in the backyardthey can build skills and confidence with this easy-to-set-up game. Toss games, mini-table tennis and wiffle ball are summer time staples.
Games Everyone Can Join In On: Include everyone on classic lawn games like bean bag toss, bocce and horseshoes. Set up a soccer goal for an impromptu game wherever the party is.
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Find outdoor games and lawn games from popular brands, including Wild Sports®, BAGGO®, Innova®, and Quest®. Get ready for your event with the full collection of outdoor furniture at DICKS Sporting Goods.
- Bean Bag Toss Games
- Ladder Ball
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- Toss Games
- Kan Jam
- Trampolines
- Disc Golf Equipment
- Outdoor Table Tennis Tables
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- Horseshoes
- Bocce Ball
- Outdoor Volleyball Nets
- Badminton Sets
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- Pogo Sticks
- Tetherball
- Kites
- Croquet Sets
- Kickballs & Dodgeballs
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- Flying Discs
- View All Outdoor Games


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Wedding Cakes near forest hill,la
Other Wedding Vendors near forest hill,la:
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|Wedding Rehearsal Dinner (63)
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Gambino's Bakeries55 Reviews
Metairie, LA | 504-885-7500
Gambino's Bakery has been baking memories for over sixty two years. Founded in 1949 by Joe Gambino, the family owned bakery continues to use the...(more)
The Ambrosia Bakery48 Reviews
Baton Rouge, LA | 225-763-6489
A wedding is a special time in your life. Let us create the cake of your dreams from traditional to exquisite designs. To Request information...(more)


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Bring a current pay stub from an hotel, restaurant, caterer, event planner or event venue to pay $10 for a day pass, or $15 for a day pass with gear and/or belay class.
Upcoming Events
- This event has passed.
Hospitality Day
February 10
|Recurring Event (See all)
Every week


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Oak Harbor holds off Port Clinton, 47-46
- Published in Sports
The Rockets won a thriller against the Redskins last week, holding them off for the 47-46 win to move into sole possession of second place in the Sandusky Bay Conference.
Sophomore forward Andrea Cecil led all scorers with 24 points, scoring 11 in the first quarter to help Oak Harbor (9-2, 6-1 SBC) grab an 18-9 lead after one quarter.
Holding a 35-28 lead heading into the fourth quarter, the Rockets were able to control things for much of the period as they pushed the advantage to 41-32 before Port Clinton (8-3, 5-2 SBC) made a run.


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Better Sweater Coat (Women's)
Out of Stock Product Number: 30217
Catch the changing colors on a stroll down the Shawangunks carriage road in the women's Patagonia Better Sweater™ Coat. It offers city-street style yet is practical and easy-wearing. The fabric has a sweater-knit face and a fleece interior, and the tall collar is double-layered for extra warmth. A wide, full-length buttoned placket and shirred, set-in waistband add shape and style. Drop-in handwarmer pockets keep the hands happy. Thigh length.
* This product does not qualify for shipping to all countries.
- Fabric has a sweater knit face, fleece interior and heathered, over-dye yarns with a knit-like texture
- Double-thick fabric on the tall collar for extra warmth, protection and versatility
- Wide, full-length buttoned placket
- Set-in waistband with shirring detail provides shape and style
- Drop-in handwarmer pockets
- Above-the-knee length
- 9.5-oz 100% polyester with sweater-knit exterior and fleece interior
Gender: Women's
Weight: (17.2 oz) 488 g
Material: Polyester fleece
Fit: Above-the-knee length, Regular fit
Technologies: [bluesign approved]
bluesign approved
Season: F12 F13
Vendor ProductId: 25655
Review ProductId: 30217
Reviewed by 2 customers
Sort by
- Soft warm comfortable
- none
Best Uses
Comments about Patagonia Better Sweater Coat (Women's):
great length
- Was this a gift?:
- No
Best Uses
Comments about Patagonia Better Sweater Coat (Women's):
This is my second Patagonia long sweater! I always get compliments when I wear it! So comfortable, and warm!
- Was this a gift?:
- No


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Main Content
You need a pair of shades to tell harmful UV rays to shove off before they hit your eyes. Sure, you could grab some El Cheapo sunglasses at a gas station and look like a total tool, or you can hook your organic optics up with these Sentry specs from Metal Mulisha. These larger-sized sunglasses feature wide lenses that offer superior protection against sunlight, while their square frame and MM skull logos inset at the temples give you a look of total authority. It's a sure bet these specs will fend off attacks on your eyes and your style.
- 1-Year manufacturer's warranty
- 100% UV sun protection
- Carry sock included
- Imported
- Metal hinges
- Metal Mulisha metal logos at temples
- Polycarbonate lenses
Mulisha Customers also liked:
Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Sexual satisfaction is redefined in this new video that teaches lovers how to push through the boundaries of their sexual practice to reach new levels of pleasure. Unlock the mystery of male multiple orgasms and explore the phenomena of G-Spot (Grafenberg) orgasms and female ejaculation. A must-see for couples still exploring the limits of their sexuality.
Due to manufacturer pricing policies, we are unable to offer further (all) discounts on this item.
|DVD, On Demand
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The MIT seal is a historical symbol that should be reserved for ceremonial use, such as on diplomas or certificates. It is available in red, black, and white (for use on a red or black background). Learn about the history of the seal.
The MIT logo is the Institute's primary symbol and should be used on all print publications, websites, and stationery.


text: I agree with Ten Ring before I bought my Alien Z I thought about buying a Mathews Heli. I compared the feel of the draw cycles and the feel of the shot between the Heli and my Onza 3. I could not really feel enough of a difference to justify spending that much more money. Also you can tweak these bows to get them to feel like a pair of old blue jeans without spending a pile on modules.


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I am a Director of Photography, Camera Operator, Construction Paper Animator, and Editor. I enjoy filmmaking, adventures, hikesplorations, dinosaurs, photography, kites, bicycles, sailboats, balloons, synthesizers, clouds, and friends.
I try to love people as they deserve to be loved.
Follow @karenabad on Twitter
Support the creation of arts and crafts for others:
Contact me here.
Let's be friends.
Home to my Films.
Home to my Photographs.
Here are Olivia's smiley outtakes during our little shoot.


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AG-ed jeans combine the laid-back look of yesteryear with AG's jean making expertise of now. Updated with modern fabrics and styled with flattering fits, AG-ed denim is an ode to vintage emulating naturally aged denim ranging from 1 to 30 years old. From subtle rips to crafty patches, the higher the number, the lighter and more distressed the jean. A pair of AG-ed jeans is as close as you can get to that unique vintage flea market find. Slim straight. A slim, tailored fit brings modern sophistication to a classic straight leg style. Hand-finished wear loosens the deep blue rinse of this slender 5-pocket jean. The 5 Years Original wash features fading at the knee and seat, finished with light grinding along pocket edges, three-dimensional whiskering, and wear pattern at back knee. Contrast stitching. Zip fly with button closure.
FINAL SALE - cannot be returned or exchanged. No price adjustments.
only left in this size


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Many Americans aren't saving—even when it's made easy and attractive
Some of David Hanrahan's employees are leaving money on the table, nearly literally.
- |
- Written by Steve Cocheo
- |
- Comments: DISQUS_COMMENTS
"We have to cajole our younger employees to put money into our 401k plan," says Hanrahan, president of Capital Bank of New Jersey. Hanrahan admits that he didn't think much about saving for retirement when he was in his 20s, but he can't understand how younger bankers are missing a sure thing. Capital Bank offers a 50% match on the first 6% that workers put into the 401k.
"Where else are you going to get that kind of investment yield?" asks the puzzled Hanrahan.
Meanwhile, he sees America's senior citizens "getting the short end, thanks to current monetary policy." They worked hard and saved hard, he says, and reasonably expected a return of 4% or 5% on their CDs. Instead, "they're getting plucked right now, to the extent that they are having their lifestyles affected."
Hanrahan and six other bankers from ABA's Community Bankers Council recently discussed savings trends in their communities, and they are finding some common trends—even some contradictory developments. Consumer attitudes towards lifestyle priorities and timing, feelings about the future, and a surprising lack of financial sophistication seen around the country and across the demographic arc all hold implications for the industry.
• Glenn Buddin, CEO and CFO, Blue Ridge Bank, $99.4 million-assets, South Carolina
• Brian Thomas, President and CEO, Clear Mountain Bank , $470 million-assets, West Virginia
• Laurie Stewart, President and CEO, Sound Community Bank, $400 million-assets, Washington
• Marcia Honomichl, President and CFO Commercial State Bank, $130 million-assets, South Dakota
• Deborah Cole, President and CEO, Citizens Savings Bank and Trust, $100 million-assets, Tennessee
• David Hanrahan, President and CEO, Capital Bank of New Jersey, $291.6 million-assets, New Jersey
• Scott Racusin, President and CEO, Wedbush Bank, $265 million-assets, California
Looking ahead, the bankers also are wondering when today's cheap deposits will morph into more-expensive and more-elusive funding. In today's market, the relative dearth of loans dominates many banker discussions, but there's concern that matters will flip.
"Do you think we are getting into a false sense of security, as bankers?" asks Brian Thomas, president and CEO at $470 million-assets Clear Mountain Bank, Bruceton Mills, W.Va. "The shift to low-cost funds is great, if you're a banker, but when rates start to increase again, I think we're going to see a pretty significant shift back from low- to high-cost, and I'm concerned many of us aren't thinking about that."
Others agree. Laurie Stewart, president and CEO of $400 million-assets Sound Community Bank, Seattle, Wash., says her bank has worked hard through the low-rate period to renew time deposits, "to try to keep that book of business."
"FDIC makes us perform interest rate analyses, and we complain that it's a pain in the neck," says Hanrahan. "But you have to think about the betas in your interest rate analyses and wonder how transaction accounts will behave when rates rise again. Maybe the assumptions we've been using in our analyses are outdated and incorrect."
What also concerns the bankers is that American's savings attitudes, habits, and abilities have been shifting. For all the attention paid to teaching young America to save, with some success, bankers worry their parents and grandparents suffer from their own lack of financial literacy.
Can younger adults save today?
The bankers participating in the roundtable come from community institutions with a wide variety of business models and local circumstances. Stewart's bank hasn't had difficulty growing loans, and has done sufficiently well with deposits through this period to maintain a loan-to-deposit ratio of around 98%. Marcia Honomichl, president and CEO at $130 million-assets Commercial State Bank, Wagner, S.Dak., is surrounded by farmers enjoying good times and comparatively low loan demand, producing a ratio below 60%. Hanrahan's ratio runs around 70% to 75%, because he's getting loans in his New Jersey markets, but deposits come in faster than he can lend. Deborah Cole, president and CEO at $100 million-assets Citizens Savings Bank and Trust, Nashville, Tenn., specializes in church loans and has a ratio of 90% in the midst of a planned growth period.
Scott Racusin, in some ways, is the envy of the roundtable members. He heads Wedbush Bank, Los Angeles, Calif. De novo Wedbush is an affiliate of Wedbush Securities, and can turn on a "tap" at the securities firm when it wants to accept the affiliate's customer deposits. He balances this with other deposit sources to avoid over-dependence. With loan demand down locally, he's successfully explored other credit strategies. This includes an out-of-state municipal lending program profiled on bankingexchange.com ( http://tinyurl.com/wedbushideaexchange).
Most panelists are seeing much less savings on the part of younger adults, except where it is essentially forced through auto-enrollment in 401k plans. While some of this could be blamed on the Great Recession's impact, the bankers typically refer not to that but to changes in lifestyles, in multiple senses.
Honomichl and Thomas note the tendency among many young people today to want to live as high as they can. The group noted that people don't borrow for lifestyle. They turn more of their income to current consumption, de-emphasizing savings.
"We don't see any of our youth saving anything other than if they've got a plan at work," says Honomichl. "We do have a lot of Simplified Employee Pension IRAs being opened by farmers, who are able to put money away there. But as far as seeing other individuals saving, they'd rather keep their funds in a checking account for the liquidity. When CDs mature, they'll roll it into a checking account—because of interest rate levels—and they'll more likely use those balances to buy a car as to save." She adds: "Many young people want what we have now, now. They want to start where we are now, not realizing what our generation went through to get there. That's a tough one."
One interesting sign, says Honomichl, is an ad she saw recently for Dave Ramsey, the popular radio and internet pro-savings, anti-borrowing "evangelist." Ramsey's "Financial Peace University" began offering sessions in her market. "I've never seen that before, here," she says.
In Cole's community, primarily a low-to-moderate-income area, she says that, historically, wealth has not been passed on from generation to generation, which inhibits later generations from advancing beyond predecessors' levels of economic accomplishment. Cole wants to help change this pattern, but is up against the demands of current necessities.
"Some of this has to do with coming out of the economic downturn, or still being in it," says Cole. "Many families with single-household incomes' chief concern is getting the bills paid. We're trying to teach them how to budget, and then to make savings part of that budgeting process."
Cole's hope is to help more members of her community turn income into wealth through savings, in order to keep money in the community and to pass something to future generations.
"We're trying to catch them midstream and say, 'Let's stop the cycle,'" says Cole.
Glenn Buddin of South Carolina's Blue Ridge Bank worries that for many Americans, there just isn't enough money to spread around sufficiently to have long-term savings. Even at his own bank, he says, where he pays above-average salaries for his market, he sees difficulty in saving.
"By and large," says the CEO and CFO of the $99.4 million-assets bank, "I don't think anybody, not just young people, has the money to save for the long-term. They do not get paid enough; period. Not enough to be able to save enough to be able to live even a modest lifestyle when they get to retirement—and most of them are going to live a lot longer than folks are living today."
While lifestyle choices play a part, essential expenses also dictate some of the problem, says Buddin. Employees with pre-school children, especially those in single-earner households, face day-care expenses that suck up earnings. He adds that he knows that in spite of the higher-level salaries that Blue Ridge pays, there are employees whose expense levels qualify them for certain public assistance, such as Medicaid. His bank provides profit-sharing, which provides some forced long-term savings. Without that, he says, many wouldn't have any form of long-term money put aside.
Is this state of affairs baked into the nation's future, with all the potential risk of a country whose future old folks will outlive their savings? A couple of the bankers point to personal knowledge of younger people who buck the trend, who tend toward saving, even, perhaps, toward "extreme" saving.
Wedbush's Racusin, for instance, says his own children, as well as some of their contemporaries, have seen how many of their friends have not obtained jobs out of school. Having gotten jobs, he continues, those fortunates now vow not to let the income slip out of their hands easily. "They've become fanatical savers," he says. "They save for everything. They save every dime they can, even planning vacations and saving up. They saw what happened to friends after college and are taking the opportunity to protect themselves."
Sound Community Bank's Stewart points to a nephew in his late 20s, who "must have nine savings accounts," each of which is apportioned to a different purpose. The young man methodically puts money into each account.
Looking back over her own life—beginning as a bank messenger and working up to being a teller—she learned the value of a dollar when she needed every one she could raise. As a young Navy wife, she worked to save for a down payment on a home.
"We have to catch people and help them to understand where they are in their lifestyle, so they focus on savings at the appropriate time," explains Stewart.
Reflecting on her nephew's slew of accounts, Stewart shrugs and looks at the overall result: frugality and commitment. "Works for me," she says.
Savings and the older generation
A paradox Glenn Buddin sees is the older generation, more inclined over their younger years to save, had fewer options and frequently went with CDs. Those savers have found themselves with today's low rates. Younger savers have many more options to build lifetime savings, and they are more willing, typically, to take risks.
But a concern of many of the bankers is that the older generation, having not realized the financial security they counted on, are being targeted by those who would take advantage of their losses and their fears.
Many seniors are not financially savvy, and fall prey to scams. Brian Thomas says there is an attorney who puts on seminars to scare seniors about the state of Medicare, trying to convince them to "take $100,000 out of the bank, in cash, and put it under the mattress." Citizens Savings Bank's Cole says longstanding scams requiring recipients to send money to claim "winnings" in nonexistent lotteries continue to snag victims.
Buddin sees this as well. "And they'll get mad at you for telling them it's a scam," he says. "I've had them get so mad, they close out their bank account."
Even when not cheated, seniors have been misled.
"My biggest concern is that seniors are making choices, to get higher returns, that are totally inappropriate for their age and investment profile," says Stewart.
It's hard to convince someone who's been slammed by low returns and depends on those returns that promising promotions seen down at the senior center for 8% or so can't be for real. Stewart's bank has started offering a dialog at a local senior community. "We want to get people talking about what they might do before they do it," says Stewart. "It's difficult to warn people about an investment when they've already wired off their money."
Future generations
Banks work with employees, younger adults, and seniors to help guide them to safer saving choices and habits, but what about the youngest customers? How do they begin building better financial literacy now?
ABA has several programs (see below), and banks use these, plus their own efforts, to help. Laurie Stewart, for instance, uses a program for younger students that has proven popular. "We try to get to them around the age of 12," she says. For high school students, the bank uses another program. "It's expensive," says Stewart, "but the schools love it, and it allows us to engage with the high school junior or senior at the right time, in order to bank them. We think of it as an investment."
Tagged under Community Banking, CSuite, Lines of Business,


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HOME Miami Hurricanes Gear Miami Hurricanes Hats Miami Hurricanes Hats Knit (44 items) Product ID: 612414
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As a 'Canes fanatic, harsh weather conditions aren't enough to stop you from going to the big game, so bundle up for those chillier matchups with this Nike Roll Top knit beanie. It features an embroidered school name on the front of the contrast color cuff, so you can keep your head warm and in the game while firing up your team for a victory!
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Following fashion foot by foot. This is all about shoes.
I don't own credits for the photos, I just want to share my love for shoes. If you see your photo here and would like to claim credits for it, please let me know and I'll be happy to link you!
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"At this point in time the finance department is fully involved in developing the FY 2014 budget; we've worked with different individuals to determine what some of the needs are as well as begin anticipating our staffing needs and try and get a grip on our [full-time equivalents] for next year," Hooper said during Monday's work session.
The FY 2013 budget ultimately approved by the board did not include a millage rate increase, but an increase was proposed by Superintendent John Harper, citing an approximate $15.8 million reduction in funding. The budget included the termination of about 20 employees as well as furloughs for all employees in the system, even at the central office, as well as an abbreviated calendar.
Hooper said the FY 2012 audit is expected to be available for review by the board next month.
"At this point we have no reason to believe there will be any findings of anything negative in that report," Hooper said.
For ongoing budget coverage, read The Daily Tribune News.
In other school news, the board voted this week to approve keeping the established 2013 meeting calendar flexible if there are abbreviated agendas during the month, giving the board the ability to move multiple meetings to a single night.
"I know that [board members] have other meetings associated with the school system — we have committee meetings, we have special called meetings, we have budget meetings ... and I know you field calls during the day," Harper said. "There are some system cost savings in regard to not having two meetings every month, especially when we don't have a big agenda and don't need [two meetings in a month]."
Board attorney Boyd Pettit reiterated that if multiple meetings are to be held on the same day, the board still has the same legal requirements to inform the press and post its agenda for the public 24 hours in advance.
Traditionally, the board holds its work session the second Monday of the month and its business session on the third Monday of the month with called meetings scheduled as needed.
The board heard the first reading of the next year's student calendar, which remains similar to the city's calendar. A notable change to last year's calendar is the transition of fall break being the Monday and Tuesday of Columbus Day week instead of the Thursday and Friday before the holiday.
"We had about 67.4 percent [of teachers] choose this calendar ... with a 190-day school year for teachers and a 180-day school year for students," Director of Curriculum Jim Gottwald said.
The calendar is expected to be made available for view on the system website, www.bartow.k12.ga.us., at a later date.


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Posts Tagged 'Craig Lowndes'
Tuesday, March 27th, 2012
Virgin Australia launches Premium Valet at Brisbane Airport
We are excited to share the news with you that our Premium Valet service is now open at Brisbane Domestic Airport.
Located directly adjacent to the terminal, the new service means all Virgin Australia guests can now pull up to the kerbside, leave their keys with the valet and be checked into their flight straight away at the dedicated valet reception area.
The Premium Valet was officially launched this morning with the help of V8 Supercar Champions Craig Lowndes and Jamie Whincup, who tested out the service for the first time in TeamVodafone cars.
"As V8 drivers and frequent flyers, time is always of the essence. Having tried and tested the new Premium Valet this morning, we can say with confidence that it will make getting to the airport and then to your flight a quick and convenient process", Craig Lowndes said.
"We know they'll look after the car too, with undercover parking and the option for cleaning services during the car's stay", Jamie Whincup added.
Virgin Australia Group Executive of Product and Guest Services Martin Daley said the Premium Valet was one of a range of new products and services the airline was introducing to enhance the airport experience for guests.
"Soon Virgin Australia guests will be able to enjoy concierge services at Gold Coast and Canberra, an enhanced lounge at Perth and a brand new lounge at the Gold Coast".
Premium Valet service at Brisbane Domestic Airport is open every day, one hour prior to the first flight until 30 minutes after the last flight of the day, with prices starting from $55.00 for up to 14 hours and $65.00 for up to 24 hours.
If you would like more information about the service, please visit our website here.
Will the new Premium Valet at Brisbane Airport be a service you will look to use?


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This blog is simple. We want you, YES YOU, to participate. We want to document Santa Cruz art, culture, nightlife, bar culture, whatever you see on the street, kooks, beggars, tweakers, hipsters, hippies, surfers, punkers, rockers, over-the-hillers, etc. Anyone can submit photos really easily, just click here. Do it! Enjoy.
You can view our original content, our submissions, or become a fan on Facebook.


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592 Sherbourne Street, Toronto, ON, Canada, M4X 1L4
Phone: (416) 921-3142 Fax: (416) 921-0665
The Clarion Hotel & Suites® Selby is in a prime downtown location minutes from the University of Toronto and close to local attractions including the Royal Ontario Museum, the Art Gallery of Ontario, the CN Tower and the Yorkville shopping district arena.
This downtown Toronto hotel is located across the street from Sherbourne subway station for easy access to most attractions.
Guests of this Toronto hotel enjoy amenities including free continental breakfast, free local calls and free wireless high-speed Internet access. Guests enjoy an invigorating work out in the hotel's exercise room.
The Clarion Hotel & Suites Selby is set in a historic Victorian mansion, home to Ernest Hemingway and his wife in the early 1900s. Two suites named for the Hemingways are the actual rooms they stayed in and feature original wood-burning fireplaces. All spacious rooms are air-conditioned and come equipped with cable television, hair dryers, coffee makers and ironing equipment. Some rooms feature whirlpool bathtubs and non-smoking rooms are available.
Business travellers appreciate special conveniences and meeting facilities accommodate groups up to 25.
Check-In Time: 15:00 Check-Out Time: 11:00 Guest Rooms: 82


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Area Sports Briefs
Rowan County's Junior Legion team advanced to the second round of the playoffs.
Rowan beat Mocksville 4-3 on Saturday.
Joseph Peeler got the win for Rowan.
Peeler, Scott Sapp and Jackson Justus led the offense, Justus drove in three runs.
• West Rowan split Saturday's doubleheader with Concord.
Concord won 6-2 against West Rowan in 10 innings in the first game.
Bryan Ketchie pitched into the eighth for West and allowed only three hits. Brandon Walton led West at the plate.
West won 7-3 in the second game. Micah Marsh was the winning pitcher. Standouts at the plate were Noah Teeter and Tyler Poteat. Caleb Link had an inside-the-park homer.
Game 3 will be played today at 2 p.m. at West Rowan.
Legion baseball
Just when you're sure you've seen it all in Legion baseball, along comes the Davidson-Winston-Salem series.
The first-round series was slated for best-of-five, and Davidson took a 2-0 lead with an amazing ninth inning comeback that provided an 11-10 win on Saturday afternoon.
The teams also were scheduled to play Saturday night, but after a rain delay, the nightcap got started late.
With Davidson leading 8-7, Davidson was declared the series winner after the game pushed past midnight.
The reasoning: Legion teams are allowed to play doubleheaders in a day, but not tripleheaders, and a game past midnight meant, in the commissioner's ruling, that it had become a Sunday game.
Winston-Salem already was in the position of having to win a doubleheader on Sunday to pull out the series because Round 2 must start Monday.
As the series winner, Davidson will play at Randolph on Monday. A Winston-Salem protest is possible.
• The Mooresville Moors beat the Mooresville Legends 11-5 and 15-8 on Saturday in what amounted to a one-day series.
The Moors advanced, and they'll start a series against Stanly at home on Monday – weather permitting.
In the Northern Division, Kernersville swept Western Forsyth and will play either High Point or Burlington in the second round.
High Point and Burlington have scheduled a doubleheader (if necessary) for today.
High Point leads the series 2-1.
Rowan starts a series with Wilkes on Monday at Newman Park.
Wilkes beat Mocksville twice on Friday, and the teams were unable to play Saturday. Wilkes was declared a 2-0 series winner.
Intimidators fall
Hickory hit three homers and beat the Kannapolis Intimidators 6-3 in a rain-shortened contest on Saturday.
Hickory's Joey Gallo hit his 26th, a total which leads the minor leagues.
Jason Coats and Keon Barnum homered for the Intimidators.
The teams play again today in Hickory at 5 p.m.
Tuttle stars
John J. Tuttle (A.L. Brown, Catawba) was named the starting pitcher for the West team in the Coastal Plain League All-Star Game.
The game will be played in Hampton, Va., on Monday.
Tuttle, who hurls for the Asheboro Copperheads, is 5-0 this summer with an 0.51 ERA. Opposing hitters are batting .181 against him.
Local golf
Sixty-four GARS members played a Texas Scramble at Corbin Hills.
The team of Don Bishop, O.J. Chandler, Gordon Correll and Dave Wilson shot minus-11 for first place.
Tying for second at minus-6 were the teams of Reid Bradshaw, Dale Cobb, John Hooper and Johnny Legrand and the team of Jim Adams, Jim Diffenderfer, Windsor Eagle and Winsten Mahaffey.
Two teams shot minus-5.
Correll made the longest putt on No. 9 and was closest to the pin on No. 2.
Youth baseball
China Grove's 9U all-stars are hosting the area tournament.
China Grove won 3-2 against Bunker Hill in eight innings.
China Grove and East Rowan have advanced to Sunday's winner's bracket finals. Both have qualified for the state tournament.
East won 17-3 against St. Stephens and 10-7 against Eastern Randolph.
• The East Rowan 8U team won 8-0 against Fletcher.
The East 8U team plays today against Indian Trail.
• The East 12U team lost to Eastern Randolph 5-1 but has beaten Alexander County 5-2 and topped Yadkin County 7-6.
East's 12-year-old stars play today at 4 p.m.


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If children are the future, you've gotta set the example of brilliant style, son! Make sure everyone recognizes your exceptional swagger with the COV camo walkshorts by LRG. They're made out of a camo cotton twill fabric that's incredibly comfortable. They also have woven LRG labels sewn at the back right waist and back welt pocket, allover printed LRG logos and a sewn-on embossed leather label at the fly. What a supa-fly role model.
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When organising an international corporate event, there is a lot to take care of and every detail is vital. The SAS official airline programme is specially designed for international event, conference and convention organisers in Scandinavia.Reap the benefits for both organisers and your delegates!
Are you organising an event in Scandinavia?
Are you attending an event in Scandinavia?
Scandinavian Airlines © 2014


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There are plenty of fish in the sea, sure, but they are nothing compared to the gorgeous babe that adorns the Blown Away Girl boardshorts by Reef. Printed on both legs, the bodacious, curly-haired beauty stands on the silky sand looking out to sea. She does a lot for the sexy look of these trunks, but that's not all that makes them an absolute must-have. They feature an elite ultra-lightweight, 4-way stretch material that dries quickly and won't chafe, so you're destined for maximum comfort and flexibility during every surf session. Congrats—it looks like you, little Miss Reef and these boards are gonna make one big happy family.
- 20" Outseam
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- Tie front with four Reef grommets
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Vibe or verve stroller food tray for your hungry passenger.
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The Resource Finder has powerful filtering features — check out the tutorial to learn more.
Origins News Round-up for September 30, 2014
Are black holes in trouble? Could life have come from space? What do we know about the religious lives of Indian scientists? Find the answers to these questions and more.
Ch. 1-2: "Two Books" by God? God's Word and God's World
God invites us to understand his power and nature through studying what has been made.
Series: Reviewing "Darwin's Doubt" (9 entries)
Series: Evolution Basics (50 entries)
Written by BioLogos Fellow of Biology Dennis Venema, this series of posts is intended as a basic introduction to the science of evolution for non-specialists.
Origins News Roundup for August 6, 2014
News about the Ebola outbreak and initiatives in genomic medicine lead our news roundup this week, with a collection of research and learning opportunities in biology and at the science/faith border to follow.
Not So Dry Bones: An interview with Mary Schweitzer
We don't have all the answers and never will. And when God says that he is revealed in his creation, I think that means we need to take care of what we have and understand where we came from. The more I understand how things work, the bigger God gets. When he was just a magician pulling things out of a hat, that doesn't even compare to how I see him now!
Series: Belief in God in a World Explained by Science (3 entries)
Series: The Human Fossil Record (19 entries)
In this series, James Kidder provides an intriguing study on transitional fossils and the evolutionary history of modern humans. He begins by discussing the fossil record, explaining how new forms are classified. He then explains the physically distinguishing trait of humankind—bipedalism. From the discovery of Ardipithecus, the earliest known hominin, to the australopithecines, the most prolific hominin, Kidder focuses on the discovery, the anatomy, and the interpretation of these ancestral remains.
Religion, Science, and Society
Conflicts occur when people argue one worldview against another. They may be arguing Atheism versus Monotheism, then pull out science as a weapon saying, "science proves I'm right because of this or that..." In my view, science is rather more limited than this. Science has a lot of interesting resonances with the big questions, and can inform them, but I don't believe it can answer them.
The Fossil Record of the Cambrian "Explosion": Resolving the Tree of Life
Geologist Keith Miller examines the "Cambrian Explosion", a period of rapid evolutionary diversification approximately 575 million years ago, and whether it poses a challenge to evolutionary theory. From the June 2014 issue of Perspectives on Science and Christian Faith from the American Scientific Affiliation.
Human Evolution: Genes, Genealogies and Phylogenies
When read in this way, the Genesis stories may be seen as one of the greatest-ever revolutions in human understanding. Genesis used the literary forms of the day to introduce its readers to a rational God who cares for people – and whose faithfulness made science possible. Genesis is expressly about theology, not science.
Series: Intelligent Design and Common Ancestry (4 entries)
Would those genuinely interested in learning about evolution benefit from a careful explanation of why these common objections don't hold water? Here the answer seemed to me to be "yes."
Nazarenes on Evolution
The Nazarenes Exploring Evolution poll of religion scholars reveals that most scholars in science, Bible, and theology are open to the possibility that Christian faith is compatible with the idea that God creates through evolution.
Series: "The Language of God" Book Club (7 entries)
The BioLogos Book Club discussion of Francis Collins' The Language of God.
Series: Pasteur vs. Pouchet and the Demise of Spontaneous Generation: Lessons for Today from an Old Controversy (2 entries)
Series: Science and Christianity: A Positive International Dialogue (2 entries)
There is often a worry that working in or studying science is a threat to faith, but stories of scientists who are Christians in the top ranks of academia show that this is not the case.
On Creating the Cosmos
"I believe that we must now ask for more than simple avoidance of cognitive dissonance. I believe we should seek for cognitive consonance."
Reflections on Tyson's Cosmos, Episode 1
Carl's dramatic lines that opened his Cosmos were repeated in Cosmos II: "The universe is all there is, or was, or ever will be." When I told Haines Stiles that many people took that as a statement of atheism, he responded with surprise. "Really?" he said. "We just put that in because it sounded poetic!"
Origins News Roundup for March 14, 2014
This week in Origins news, a few different takes on the new COSMOS series on Fox, some intriguing discoveries and theories about dinosaurs, and a smattering of articles supporting women in science—who are often an underrepresented group in STEM fields.


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6 Slot Vario ToasterView all Classic Range
When four simply isn't enough
The 6 slot Vario toaster can produce a staggering 130 rounds of toast every hour, and is perfect for catering environments or large families. It is undeniably Dualit in styling, with Dualit's trademark mechanical timer and ejector lever. Unlike the 2 and 4 slot NewGen versions, it does not incorporate defrost or bagel settings. The selector control allows you to heat two, four or all six slots.
Key Features
Timelapse of a Dualit toaster
Hand built in the UK:
Each one is hand-assembled and features the assembler's individual mark on the base plate
Environmentally responsible:
Fully repairable or replaceable parts for a toaster that will last a lifetime
Unique patented ProHeat® elements:
Exclusive to Dualit, ProHeat elements have a protective armour plated layer covering the filament making them virtually unbreakable
Also Features
- Built for commercial use
- Selector control for choosing two, four or all six slots
- Award-winning ProHeat elements, guaranteed for two years
- Handmade in the UK
- Mechanical timer
- Manually operated eject lever to keep items warm until needed
- High lift mechanism to remove small items easily
- Replaceable parts (you don't throw a Dualit toaster away, we repair it for you!)
- Adjustable rear foot to compensate for uneven surfaces
- Removable crumb tray
- Extra-wide 28mm slots and adjustable inner wire guard to accommodate a sandwich cage
Powered by Proheat elements
Dualit's patented ProHeat elements are the key feature of the Classic toasters. Their unique, armour-plated design protects the filaments from damage, whilst the extra 'winds per square cm' ensure that the bread is toasted more evenly.
Protective covering
The durable protective film keeps the filaments clean and makes our ProHeat elements virtually unbreakable
Even toasting
No element has as many 'winds per square cm' as Dualit's ProHeat element – which makes for the most evenly toasted bread
Elements are the primary cause of failure in toasters. ProHeat elements are therefore replaceable
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