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General Motors is chopping the number of investment options in its 401(k) plans from more than 70 to fewer than 40 in a streamlining that the company hopes will improve employee participation in the plans.
Preston Crabill, director of employee benefits and human resource operations at GM, noted recent academic research that indicated having too many investment choices in a 401(k) plan can lead some participants to pick the most conservative investment option and discourage others from participating at all.
"We do believe that by reducing the fund lineup, we should see an increase in participation, an increase in the savings rate and also a better diversified portfolio on the part of our participants," Crabill said.
Starting June 29, GM's plan for salaried employees will offer 39 choices, down from 73, and the plan for hourly employees will offer 38 choices, down from 71.
At the end of 2006, GM's 401(k) assets totaled $20.2 billion.
GM is removing from the plans all but two Promark funds, which are managed by a GM subsidiary, General Motors Investment Management.
The company is also removing some Fidelity mutual funds from the lineup but is adding institutional funds from Pyramis Global Investors, a Fidelity subsidiary. GM is replacing its current lifecycle funds, the Fidelity Freedom Funds, with lower-cost institutional lifecycle funds from Pyramis.
GM's current default investment is a stable-value fund, the Promark Income Fund, and it is replacing that default with a balanced fund, Pyramis Strategic Balance.
"We see that as a much better default option," Crabill said.
He added that while GM does not automatically enroll employees, in the wake of the Pension Protection Act, "we are looking at that very closely for our salaried employees, and we've talked with our union about auto enrollment."
The plans' new lineups will include just one single-stock fund, which contains General Motors stock.
A class-action lawsuit filed in March alleged that single-stock funds in GM's plans related to GM spinoffs were "imprudent investments" that resulted in losses of hundreds of millions of dollars. The five spinoffs represented by single-stock funds were Delphi, DirecTV, EDS, News Corp. and Raytheon stock.
Filed by Susan Kelly of Financial Week, a sister publication of Workforce Management. To comment, e-mail email@example.com.

subset: commoncrawl


text:
When Kenechi Udeze joined the USC Trojan football team as a redshirt freshman in 2001, he was a 340-pound, fledgling defensive end player.
"To be honest with you," he said, "the first day I came here for practice, I passed out on Howard Jones Field."
But his mother, a single woman raising four children, had taught him the meaning of hard work. Majoring in sociology at USC College, Udeze became such an awesome player that the NFL came calling in 2004.
Before having a chance to graduate, he was drafted by the Minnesota Vikings (first-round draft pick) and moved from his native Los Angeles to Minneapolis. Four years later, at the peak of his career, he began suffering from migraines. After a checkup, he knew something was very wrong when a team of grim-faced doctors walked into his examination room. They told him he had an aggressive form of lymphoblastic leukemia.
"Cancer?" he remembered thinking. "No, not me."
Udeze told his story to an audience during the 2010 USC student-athlete graduation ceremony. He was a main speaker during the Thursday event. After chemotherapy, a bone marrow transplant and his retirement from the NFL in July 2009, Udeze returned to USC to finish his studies.
"I hadn't taken my studies seriously," Udeze said. "After all this happened, I said to myself, 'I have to go back and get my degree. No matter what.' "
With a bachelor's degree in sociology, Udeze is now a football coach at the University of Washington — not exactly the route he had expected to take as a cherub-faced star football player.
"Life very seldom goes where you want it to go," Udeze, 27, told the audience. "But what are you going to do? Are you going to stand there and strike out when you have balls thrown at you? Or are you going to hit the ball and keep going?"
There have been many blessings along the way, he said. Maybe it's no wonder that his first name, Kenechi, means "God's love with always be with me," in Nigerian. His eldest brother, Thomas, was a perfect bone marrow match and became his donor, saving his life. Right around the time of his surgery, his daughter, Bailey, was born.
"She gave me something to live for," Udeze said. "I have no excuse not to be a great father. She's the best thing that's ever happened to me. She makes me realize what's important."
With his acute leukemia in remission, Udeze is living in Seattle, where he's enjoying coaching and being a dad.
Just call his cell phone and you'll gather the intensity of what this man has been through and the depth of his inner-strength.
On his cell phone voice mail, a strong voice tells callers this:
Never give up. Quitting is not an option. No matter how weak you may be, no matter how dark it gets, until you take your last breath, you have to fight. Fight.


text: SPK/Lewis is the catalyst that creates great working chemistry in each project your company wants completed. At SPK/Lewis, we have the expertise and flexibility to combine the talents of team members and consultants including architects, engineers, interior designers and other or to provide fully managed builds in whichever way works best for you. Read More About Us Construction Managers and General Contractors since 1989


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Encharter Insurance, in Lexington, Mass., prides itself on its hometown appeal. That feel for the neighborhood has contributed to its rapid growth - Encharter doubled in size in the last few years, to 55 employees and about $8 million in revenue.
But while business boomed, like many small companies Encharter paid little attention to developing an IT strategy to support expanding technology demands.
"I came into this job and found that there was no IT department," says Michael Sher, who last year was named president and CEO of the group of seven insurance agencies in Massachusetts and Connecticut.
He started looking for outside help, a maverick decision for the head of a small company. Most small and midsize businesses are reluctant to hand over IT functions to outsourcers, in large part because SMBs lack familiarity with the idea of outsourcing and fear they will lose control.
In addition, while some smaller outsourcing vendors such as CenterBeam and Everdream have built their businesses by focusing on SMBs, big-name providers such as Electronic Data Systems and IBM have yet to carve out a niche in the low end of the market, creating a supply-side issue that is holding back more widespread demand, analysts say.
Gartner estimates that about 90% of all new businesses created in the United States are in the SMB sector. It's a huge opportunity for outsourcers as these small firms begin to recognize that they can achieve the same benefits that large organizations enjoy when they hand over non-core IT functions to outside service providers.
"There is a small but growing legion of SMBs that are considering outsourcing," says Robert Brown, a research director at Gartner. He notes that the base is small: Companies with 100 to 499 employees now account for just 7.8% of the $50.5 billion business-process outsourcing market, but that number is expected to grow to more than 8% of a $78.8 billion market by 2009, according to Gartner.
"For most SMBs, there is an unfamiliarity with outsourcing that dictates that when they make technology buying decisions, the first thing they are going to think about is buying hardware and software, and then trying to integrate those through internal resources and staff, as opposed to turning to an outsourcer to help," Brown says.
Sher says when he left Plymouth Rock Insurance about a year ago to run its subsidiary Encharter, he could hardly believe the IT situation.
"The offices weren't networked. And it was all supported by one guy, and if he was sick our whole system could be down. He was also charging us for travel between the seven offices in two states," Sher says. Encharter last year turned over the bulk of its IT infrastructure, including its Microsoft Exchange servers, to CenterBeam.
"Now we have nightly backups. We have servers that are in a Class 1 data center. We have all the things that you would want a growing insurance agency with aspirations for further acquisitions and expansion to have," Sher says.
The small company had to invest in upgraded hardware such as routers and T-1 lines to take advantage of remote service, but that investment paid off. "We have probably cut our IT costs in half," he says.
In addition, Sher says Encharter now has the kind of technology support it needs to continue to grow. It's a growth-byacquisition strategy of the kind that is pushing other SMBs to look at outsourcers, including offshore.
Kitcoff-APSI, a consulting and administration firm that focuses on full-service, employer-sponsored retirement plans, is using Indian offshore provider Patni to buoy its numerous acquisitions. Michael Campo, founder of the Coral Gables, Fla., company, says outsourcing is the key to his business model.
"I needed to lower my labor costs," he says. "Once I bought holistically into the idea of outsourcing, I could then acquire another firm and completely take over its entire book of business and outsource it to India without absorbing any of their labor cost mistakes." Patni handles record-keeping tasks associated with the administration of Kitcoff-APSI's defined-contribution plans.
Campo says outsourcing can be a tough decision for any company, large or small. "The problem is, inherently a smallbusiness owner has even more reservations because [the company] is his," he says. "But there are many ways to mitigate those fears." One is to completely embrace the concept of outsourcing, Campo says.
"My business model is completely immersed now in the concept of outsourcing the heavy lifting to Patni," Campo says. The strategic advantage - customer service - remains in-house.
Henry Svendblad, vice president of IT at Millennium Partners Sports Club Management in Boston, also was looking for a way to offload non-core IT headaches. He outsourced the company's IT functions to CenterBeam in December, just a month after coming on board.
"As I looked at our IT strategy, I realized I could dedicate most of my time to building an IT infrastructure and then try to build our business systems from scratch. Or I could let CenterBeam focus on our infrastructure and focus all of my energies on our business systems, where I can really add value," he says.


text:
NEW YORK – LeBron James celebrated with the Yankees and toyed with the Knicks.
No wonder he's bummed about the NBA schedule: only one Garden party this season.
James scored 33 points in his lone visit to New York, leading the Cleveland Cavaliers to a 100-91 victory over the Knicks on Friday night.
One night after managing just 42 second-half points in an ugly home loss to Chicago, the Cavaliers rang up 40 in the first quarter, leaving New York fans with little left to do besides cheer for the Yankees in attendance and enjoy another mesmerizing performance by James.
"The atmosphere was great," James said. "Lot of stars in the building and like I said it's humbling to know that you have guys like the Yankees come out and Jay-Z. It's really, really humbling.
"You almost feel like you're a performer sitting on the stage and they're watching you perform."
And he sure gives them a show.
The NBA's MVP added nine assists and eight rebounds, but fell just shy of passing Kobe Bryant as the active scoring leader at Madison Square Garden. James improved his average to 30.4 points, with Bryant averaging 30.5 in 11 visits, according to STATS LLC.
James had scored 50 or more in two of his last three trips, joining Michael Jordan as the only visiting players with multiple 50-point games at the current building.
"LeBron was obviously LeBron," Cleveland coach Mike Brown said. "He was spectacular but you kind of overlook his numbers because of who he is."
Mo Williams scored 12 points for the Cavaliers, who have won six in a row against the Knicks and four straight at the Garden, where James loves to perform.
"It's this building," James said. "This building's very special."
New Yorkers are desperate for him to make it his full-time home when he becomes a free agent next summer, but the Knicks continue to offer nothing on the court that would make him consider a switch. As it is, he has as many victories at MSG this season as the Knicks, who fell to 1-5 overall.
David Lee scored 21 points and former Cavs guard Larry Hughes had 18 for the Knicks, who played their first nationally televised home game since March 19, 2006, and showed they are still miles from being ready for prime time.
James said he was still sore from a couple of falls in Thursday's 86-85 home loss, but vowed that wouldn't prevent him from playing the way he always does. Just to prove it, he then nearly outscored the entire Knicks team in the first quarter.
"They came off a game last night and as the leader of the team, you want to come out and be aggressive. He's always done it that way," Hughes said. "I did my job in making him take tough shots and he did his job in making those tough shots."
James shot 8-of-9 in the period, with his second 3-pointer coming just before the buzzer to give him 19 points and make it 40-21. The Cavs made 16 of 22 shots (73 percent), closing the quarter with a 17-2 run that basically wrapped it up early.
"LeBron's first eight minutes were ridiculous," said Knicks coach Mike D'Antoni, who expected this from James with Cleveland's poor performance Thursday and its lone MSG visit Friday. "That's why he's the MVP and that's why New York's a special place."
Before the second quarter started, the Yankees fan then went to the sideline and joined the crowd that included his pal Jay-Z in a standing ovation for Alex Rodriguez and six other members of the World Series champions who came onto the court.
James said he was able to congratulate a few of the players during the game.
"I thought if we could have kept the Yankees at halftime a little bit longer, we might have caught them. He was having a good time with those guys," D'Antoni joked.
James said before the game he wouldn't think about free agency until July, believing his team could contend for a title this season. The Cavs haven't been showing that yet, coming to New York with only a 3-3 record.
They looked like championship material against the Knicks, whose defensive effort had to be disheartening to Charles Oakley, Anthony Mason and Larry Johnson, who were in the crowd. They played for the franchise back when defense was their trademark.
The Knicks did cut it to single digits with under 4 minutes to play, but James set up Williams for a basket, then knocked down a turnaround jumper to make it 95-82 with 2:47 remaining.
Former Cleveland ace CC Sabathia and Mark Teixeira were among the Yankees who came on the floor after the first quarter. The team celebrated its title with a parade through Lower Manhattan earlier Friday. James said he was asleep and didn't watch. Former Yankees outfielder Bernie Williams, now a musician who has been nominated for a Latin Grammy, played the national anthem on his guitar, and Reggie Jackson also was in the crowd.
• J.J. Hickson made his first start of the season at forward for the Cavaliers, with Anderson Varejao coming off the bench for the first time.
Cavs 100, Knicks 91
CLEVELAND (100): Hickson 3-4 0-1 6, James 12-17 7-9 33, O'Neal 3-5 1-2 7, M.Williams 5-9 2-2 12, Parker 2-3 1-2 7, Varejao 3-4 2-4 8, Ilgauskas 3-7 3-4 9, West 1-6 1-2 3, Gibson 4-11 0-0 11, Moon 2-5 0-0 4. Totals 38-71 17-26 100.
NEW YORK (91): Chandler 5-12 0-0 11, Gallinari 5-10 3-3 17, Lee 9-17 3-4 21, Duhon 0-6 0-0 0, Hughes 7-13 3-3 18, Jeffries 0-1 0-0 0, Harrington 5-14 2-2 14, Douglas 1-2 0-0 2, Milicic 1-1 0-0 2, Hill 3-5 0-0 6. Totals 36-81 11-12 91.
Cleveland 40 23 14 23 – 100
New York 21 19 18 33 – 91
3-Point Goals-Cleveland 7-17 (Gibson 3-8, Parker 2-3, James 2-4, Moon 0-2), New York 8-28 (Gallinari 4-8, Harrington 2-6, Chandler 1-3, Hughes 1-5, Lee 0-1, Hill 0-1, Duhon 0-4). Fouled Out-None. Rebounds-Cleveland 50 (Varejao 14), New York 38 (Chandler, Lee 6). Assists-Cleveland 21 (James 9), New York 20 (Duhon 8). Total Fouls-Cleveland 12, New York 20. Technicals-West, New York defensive three second 2. A-19,763 (19,763).
• WHO: Cleveland at Orlando
• WHEN: Wednesday, 8 p.m.
• WHERE: Amway Arena, Orlando
• TV/RADIO: FSN Ohio, Ch. 43, ESPN; WEOL 930-AM, WTAM 1100-AM


text:
What is sinusitis?
The paranasal sinuses are the air-filled spaces in the bones of the skull that open into the nose. One pair lies in the cheeks and another in the forehead.
There are also a variable number of sinuses between the eyes and the nose. Sinusitis is the infection of these spaces.
Sinusitis may be a short illness (acute sinusitis) or a condition that continues for months or years (chronic sinusitis). Chronic sinusitis is relatively uncommon nowadays.
What causes sinuitis?
Acute sinusitis comes on following a cold.
If acute sinusitis fails to clear up completely, it may develop into chronic sinusitis.
Alternatively, chronic sinusitis may develop without any preceding illness. In both cases the development of infection follows blockage of the opening from the involved sinus into the nose.
Infection may spread to the sinuses in the cheek from an abscess on the root of a tooth. Occasionally, sinusitis can be caused by diving into polluted water.
What are the symptoms of sinusitis?
Pain is felt over the cheeks, forehead or the bridge of the nose. There may be partial nasal blockage and green catarrh. The pain is more severe in acute sinusitis.
How is sinusitis diagnosed?
Pressing on the affected sinus is painful in acute sinusitis.
Chronic sinusitis can only really be diagnosed by taking an X-ray or carrying out a CT scan of the sinuses, so it is very difficult for a GP to make a definite diagnosis of sinusitis.
What complications might arise from sinusitis?
Infection in the sinuses in the forehead or those between the nose and the eye may spread to other adjacent areas.
Spread of infection to the orbit (the bone surrounding the eye) causes swelling of the eyelids, and the eyeball may be pushed forwards by swelling. If this situation is left untreated, vision may be affected.
Infection may also be spread into the bones of the skull and inside the head causing formation of an abscess, but these complications are very rare.
What treatment is available?
Acute sinusitis will often settle on its own, but in severe cases may be treated with an antibiotic, such as amoxicillin (eg Amoxil), doxycycline (eg Vibramycin) or erythromycin (eg Erythroped).
Decongestant medication may help but should only be used for five to seven days in the case of nasal sprays or drops.
Chronic sinusitis usually requires surgical drainage of the sinuses involved.
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Freeze in Rockbox + Losing Detection on Computer
I am new here, so bear with me if the answer is obvious. Anyway, here are the symptoms of this e280:
-Seems to work fine in Sansa mode.
-In Rockbox mode, any attempt at accessing/playing files with freeze the player.
-When connected to my computer the e280 will become undetected after a few minutes.
-Since the player becomes undetected, Chkdsk barely starts and never finishes.
-User might have had the player in mtp mode instead of msc for a short period (if this matters).
-I tried copying all the existing files (in msc mode) with Windows Explorer and a couple other copy tools. I was only able to copy over a fraction of what should be on the player.
So my questions are:
1. Is this a hardware issue, corrupt file(s) issue, or something else?
2. What should be my next step to fix this player?
3. Are there any tools to recover all the other user files that were placed on the e280 after installing Rockbox?
Any help and/or links to any possible solutions would be greatly appreciated.
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I've noticed there's someone on the Rockbox forums that's multiposting this same issue without providing any additional info the same way you did here. Their username appears to be a variation of yours. Is that you?
This post wasn't answered before now because it lacked essential information. There's not even which type, v1 or v2, has the problem. Bumping it open without adding any more info doesn't make it more likely to get help now.
Posts that request help by following the guidelines in my sig on how to ask questions the smart way are much more likely to find useful answers. Not having to play Twenty Questions with someone allows someone that might be able to help to cut to the chase instead of using up their time trying to extract info you could have provided from the start.
You would do better creating create a new thread with a descriptive title once I you are ready to list what model you have, the build used, what conditions you notice causes the problem, what troubleshooting steps you've tried, etc. That way anyone trying to help will have a better chance of providing assistance.
A Glossary For Newbies Why Rockbox? FLAC or MP3? How To Ask Questions The Smart Way
Oops, yea I'm the culprit
Sorry. It's an e280 v1 a 32g sd card. I didn't come out and ask directly b/c I was going through other posts to see if I could find the answer. I can't access, delete,add, format. I have a dead product now. If I boot in the sansa mode it recognizes the drive but doesn't let me access.
I'm closing this thread as this is being addressed in the Rockbox forums. I see that people who know much more than me are helping you there. No need for multiple sets of directions that might cause confusion. Best of luck in recovering your player.
Thread closed.
A Glossary For Newbies Why Rockbox? FLAC or MP3? How To Ask Questions The Smart Way
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"Businesses that don't understand how to use 2D codes think that they're just a way to drive people through to a mobile landing page. But businesses that get it are using them in a variety of new and innovative ways — all of which lead to increased customer loyalty and greater revenue per customer." by
Tuesday, February 22, 2011
HOW TO: Grow Your Sales and Revenue Using 2D Codes
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I was asked a question during interview today. First they asked how to provide Synchronization between thread. Then they asked how to provide Synchronization between process, because I told them, the variable inside each process can not be shared with other process, so they asked me to explain how two process can communicate with each other and how to provide Synchronization between them, and where to declare the shared variable? Now the interview finished, but I want to know the answer, can anyone explain me?Thank you.
I think the interviewer(s) may not be using the proper terminology. A process runs in its own space, and has been mentioned in separate answers, you have to use OS-specific mechanisms to communicate between process. This is called IPC for Inter-Process Communication.
Using sockets is a common practice, but can be grossly inefficient, depending on your application. But if working with pure Java, this may be the only option since sockets are universally supported.
Shared memory is another technique, but that is OS-specific and requires OS-specific calls. You would have to use something like JNI for a Java application to access shared memory services. Shared memory access is not synchronized, so you will likely have to use semaphors to synchronize access among multiple processes.
Unix-like systems provide multiple IPC mechansims, and which one to use depends on the nature of your application. Shared memory can be a limited resource, so it may not be the best method. Googling on this topics provides numerous hits providing useful information on the technical details.
To communicate between two processes I suppose you can use a ServerSocket and Socket to manage process synchronization. You would bind to a specific port (acquire lock) and if a process already is bound you can connect to the socket (block) and wait until the server socket is closed.
Not sure if this is the actual best means of doing it but I think its worth considering.
A process is a collection of virtual memory space, code, data, and system resources. A thread is code that is to be serially executed within a process. A processor executes threads, not processes, so each application has at least one process, and a process always has at least one thread of execution, known as the primary thread. A process can have multiple threads in addition to the primary thread. Prior to the introduction of multiple threads of execution, applications were all designed to run on a single thread of execution.
When a thread begins to execute, it continues until it is killed or until it is interrupted by a thread with higher priority (by a user action or the kernel's thread scheduler). Each thread can run separate sections of code, or multiple threads can execute the same section of code. Threads executing the same block of code maintain separate stacks. Each thread in a process shares that process's global variables and resources.
Synchronization is for threads only it wont work for processes in Java. There is no utility in them working across processes, since the processes do not share any state that would need to be synchronized. A variable in one process will not have the same data as a variable in the other process
From a system point of view, a thread is defined by his "state" and the "instruction pointer".
The instruction pointer (eip) contains the address of the next instruction to be executed.
A thread "state" can be : the registers (eax, ebx,etc), the signals, the open files, the code, the stack, the data managed by this thread (variables, arrays, etc) and also the heap.
A process is a group of threads that share a part of their "state": it might be the code, the data, the heap. Hope i answer your question ;)
EDIT: The processes can communicate via the IPCs (Inter process communications). There are 3 mecanisms : shared memory, message queue. Synchronization between processes can me made with the Semaphors
Threads synchronization can me made with mutexes (pthread_mutex_lock, pthread_mutex_unlock, etc)
Check Terracotta Cluster or Terracotta's DSO Clustering documentation to see how this issue can be solved (bytecode manipulation, maintaince the semantics of Java Language Specification on putfield/getfield-level etc.)
the most simplest answer is process means a program under execution and a program is nothing but collection of functions. where thread is the part of the proccess because all the threads are functions. in other way we can say that a process may have multiple threads. always OS allocates the memory for a process and that memory is disributed among the threads of that process.OS does not allocates memory for threads.
Note: At least one process is required for each thread.
I suppose the processes can communicate through a third-party : a file or a database...


text:
The New Orleans Public Library is hosting a few special events in February as part of their 2016 Black History Month Celebration.
The New Orleans Jazz & Heritage Foundation's free concert series continues in 2016 with shows from the Bridge Trio, John Boutte & Shannon Powell, and Cyrus Chestnut.
Cuttin' Class is WWOZ's series of live in-studio performances by middle and high school age students from the Greater New Orleans area. Last month, students from the KIPP Central City Academy joined show host Nita Ketner in our studio. Look for the kids from KIPP Central City in Mardi Gras parades this carnival season.
The Mid-City Aces are a Cajun trio consisting of 18 year-old accordion master Cameron Dupuy, his dad, Michael Dupuy on guitar, and Gina Forsyth on fiddle. Their music is a fresh, bold, acoustic, and firmly traditional take on the sounds of southern Louisiana.
'Class Got Brass' is back! This unique contest, open to all Louisiana middle and high schools, challenges bandleaders and students to create traditional New Orleans-style brass bands (as opposed to full marching bands). At stake are more than $30,000 worth of instruments for the participating schools' music programs. Applications are open now and close March 7.
Mahalia Jackson is joined by Louis Armstrong for this version of traditional gospel, "Just A Closer Walk With Thee." It was recorded live at the Newport Jazz Festival 1970. They are accompanied by Mildred Falls on piano, the Eureka Brass Band, and a cast of dozens.
The Brooklyn-based instrumental fusion collective Snarky Puppy--who will be returning to Jazz Fest this year--does "I Asked," featuring Becca Stevens & Väsen. From their live DVD/CD Family Dinner - Volume Two.
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Why Bernie Sanders Is Still Standing
Lock Up the Men, Evict the Women and Children
Bernie Sanders Slams The New York Times for Ignoring 'Real Issues'
What Big Pharma Does Not Want You to Know About the Opioid Epidemic
'That Is Unbelievable': Bernie Shocked by California's Water Woes, Compares Crisis to Flint (Video)
By Kevin Starr $23.07
Juan Cole $17.62
Some are bound to chalk this news up to the magical equalizing powers of capitalism's famous "invisible hand," while others might point to the democratizing sting of actual journalism as the more potent force in this mix.
The Wall Street connections of two of Hillary Clinton's top State Department aides are forcing progressives to ask how the economic policy of a future Clinton White House would be any different from that which brought the economy to the brink in 2008.
To grasp the dangers that the Big Six banks presently pose to the financial stability of our nation and the world, you need to understand their history in Washington, starting with the Clinton years of the 1990s.
A two-year Senate investigation of the financial sector has found that banks can meddle with the economy in new and frightening ways.
peasap (CC BY 2.0)
A Bloomberg Markets magazine study estimates that dirt-cheap borrowing programs and other benefits have saved the nation's six largest banks—JPMorgan Chase, Bank of America, Citigroup, Wells Fargo, Goldman Sachs and Morgan Stanley—$102 billion since 2009.
Wired Photostream (creative commons)
Facebook faced more bad news Wednesday in the wake of its botched initial public offering. Shareholders filed a lawsuit against the social networking company, lead underwriter Morgan Stanley and several other Wall Street banks, alleging that they misled them about Facebook's revenue projections ahead of the IPO.
The fallout over Facebook's botched IPO continued on Tuesday with a lawsuit filed against NASDAQ over mishandled orders and word that regulators may investigate Morgan Stanley, which helped set the price of the stock, and other underwriting banks.
deneyterrio (CC BY 2.0)
Mark Zuckerberg's fortune dropped $2 billion Monday as shares of Facebook tumbled to $34.03, 11 percent below their initial public offering price of $38. The loss prompted analysts and buyers to wonder whether the company was overvalued at the $105 billion it gained on the day of its IPO.
epicharmus (CC-BY)
It's been available for almost six months now: the first independent audit of the Federal Reserve. In case you haven't read it top-to-bottom, former Congressman Alan Grayson, who petitioned the study along with Rep. Ron Paul, wants to draw your attention to some of his favorite parts.
AP / Pablo Martinez Monsivais
Two years into the Obama presidency and the economic data is still looking grim. Don't be fooled by the gyrations of the stock market, where optimism is mostly a reflection of the ability of financial corporations—thanks to massive government largesse—to survive the mess they created.
Flickr / World Resources Institute Staff
It's been nearly a year since Lehman Brothers went belly-up, effectively kicking off the financial implosion of fall 2008. However, despite the firm's catastrophic demise, some Lehman execs managed to land on their feet. Tuesday's Wall Street Journal gives an update about their current activities.
Flickr / aflcio2008
Unemployment rose to 9.5 percent last month, the highest level in 26 years. Meanwhile, Wall Street payouts are not dropping. Goldman Sachs will be shelling out a whopping $20 billion to its employees this year. As we enter the 20th month of this recession, unemployment is becoming a way of life for many, and the very same people who created this mess are still reaping the profits.
Flickr / World Economic Forum
Why did Goldman Sachs, Citigroup and Morgan Stanley steer millions to a company Larry Summers directed while he administered "stress tests" on them?
Wikimedia Commons / Asymptote Architecture
The Dow shot up more than 900 points Monday after nations around the world pitched into the effort to resuscitate the dangerously flagging global marketplace by announcing their own rescue plans.
Sure, we've all heard the stories about Wall Street bigwigs lining their pockets with gold dubloons while the rest of us scramble to save pennies, but The New York Times has drawn out that contrast in graphic detail with a handy series of charts showing the total earnings (including bonuses) of 12 top executives from 2003-2007.
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I rode bikes a lot until my late 20s then family stuff & other sports got in the way. I sold my bikes and then, when I reached 60, I decided that cycling would be a good way to keep fit in retirement, so bought a couple of old bikes, made one good one up and started again.
Not long after that my wife got taken seriously ill, spending 10 months in hospital, one month in a coma. The first few weeks went by in a daze – I was on autopilot hospital visits, unable to rest throughout the day – and my family persuaded me I couldn't go on like that, and that I had to get out of the house more often.
So I signed up for a charity bike ride for the hospital in a few months time and went out riding every day for between 1 & 2 hours. I think it saved my sanity, just the rhythm of the riding and the peace of the countryside. I collected more than £1350 ($2000). I've kept the riding up, although not every day, and still enjoy every ride.
To fill my days I also got back into bike renovation and in addition to the riding I've built up all my own bikes, sold more than 40, and now volunteer at a community bike workshop.
So I really do owe a lot to bikes and biking.
P.S. My wife has made a good recovery and now feels confident enough to go on our first foreign holiday in five years to Italy (where I hope to go on a ride or two).


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Hey Guys:
I noticed in many pictures of the Boeing 737 and after flying on one several times, that the landing lights on the Boeing 737-100-500 have their landing lights on the flap canoe, and on the 737-600-900ER have the landing lights on the bottom of the fuselage. My question is why did Boeing opt to put them lower on the 73NG series as opposed to the flap canoe?
Also this is on a bit of a side note, but what dictates where to put these landing lights? I know on the Airbus A32S there located near the landing gear, and on some of the 707 models, there located between the two engines as well.
Please check your spelling (press "Check Spelling" above)
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I have been culling ideas for a big-boy room for a while, and have put together most of them on, of course, Pinterest. I decided on Pirates, and here are some ideas I am putting together. I already ordered the fabric for the quilts, and I am mostly decided on the strip pattern quilts. I am planning a built-in desk/storage/shelving thing using open shelves and bins as well as integrating two desks for eventual homework. Some of the other elements I love and want to add are the spice-racks-turned-bookshelves, the magnetic/chalkboard border and the ship's wheel. It is going to be a long term project, since we learned recently we are in no big hurry to let the boys out of their cribs just yet. It will be interesting to see how it all comes together.
Source: fatquartershop.com via Jen on Pinterest
Source: filminthefridge.com via Jen on Pinterest
Source: amazon.com via Jen on Pinterest
Source: decoratinggallery.bhg.com via Jen on Pinterest
Source: ohdeedoh.com via Jen on Pinterest
Source: designdazzle.blogspot.com via Jen on Pinterest
Source: roommatespeelandstick.com via Jen on Pinterest


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How a post-carbon World might look
Yesterday, on Paul Handover's Learning from Dogs, Paul Handover posted the 4th and penultimate part of his serialisation of the recent work of Dr Samuel Alexander of the Simplicity Institute under the title 'Down is the new up'. As Alexander himself says, it "…is a challenging mixture of utopian and dystopian speculation". However, whatever else it may be, it is an amazingly thorough analysis of our predicament. Here are my main take-aways:
4.1 Water – it's the reason I first got into hydrogeology – and the statistics presented here are very sobering "…we could live with dignity without showering or bathing in the accustomed fashion… high water consumption is really a product of wastefulness…"
4.2 Food – Air transportation is one activity where fossil fuel use is not substitutable. However, what I had not considered before was the fact that localism is essential in food production because the current globalised system "will not be economically sustainable as oil continues to get more expensive."
4.3 Clothing – At last I have found someone who shares my distaste for the fashion and advertising industries that sell only discontent. However, an organised boycott would simply put a lot of people out of work… But, of course, they will be needed to cultivate the land… Oh boy, is this going to be a hard sell…
4.4 Housing – Sadly, much of the UK's Victorian housing has been demolished in the misguided belief that new is better. It might be if the new stuff was being built to the highest-possible energy efficiency standards but often it is not – and it is unlikely to be as long-lasting as that which it replaced. Refurbishment is the much better option; it is a form of recycling.
4.5 Energy – "energy consumption per capita in a sufficiency economy may be in the vicinity of half that of Western European economies today" – now there's a challenge! Here again, Dr Alexander appears to endorse Schalk Cloete's arguments (see yesterday's post on this blog) regarding the implications of the end of the era of cheap, abundant and dense forms of energy (i.e. fossil fuels) – "The major obstacle in the way of completely decarbonising the economy is the fact that, currently, fossil fuels are required to make renewable energy systems, such as the solar panels and wind turbines."
4.6 Transport – Again, yet more unemployment seems an inevitable consequence of the end of globalisation. Freight transport by air appears doomed but Tourism is not even mentioned. However, its demise seems to be assumed – this too will be a hard sell. Electric cars are expensive; and making them requires the use of fossil fuels.
4.7 Work and Production – Dr Alexander's vision of the future looks like a return to medieval feudalism. If so, there are an awful lot of young people wasting racking up ludicrous levels of debt to get themselves a Tertiary education that will be totally useless.
4.8 Money, Markets and Exchange – An interesting conflict appears inevitable between the hitherto relentless advance of technology towards a paperless economy (i.e. electronic funds transfer) and a return to much older forms of trade (i.e. bartering). What is certain is that Alexander conceives globalised Capitalism as destined to become the economic equivalent of a cosmological Black Hole – "It may be that as economies are suffocated by expensive oil in coming years, and find themselves at the 'end of growth,' debt-based systems which require growth will collapse under the weight of their own debts and the alternative system will arise in a very unplanned, ad hoc, and possibility decentralised way."
4.9 Miscellaneous – Both Marxism and Anarchism are critiqued. However, Alexander fails to note the fact, which many other authors have pointed out, that Marxism is merely growthmania without the Capitalism: It is focussed on production rather than consumption; but it still pre-supposes quantitative economic growth as the only way to measure progress (and has thus always failed). Alexander seems to see localism and grassroots revolution as the most likely way in which a post-carbon era will emerge. To me, this seems to pre-suppose the institutional failure of globalised Capitalism but, I guess we shall soon find out…
16 Responses
It's odd to read statements that dismiss EVs (and other things) because it takes fossil fuels to make them. More optimistic people acknowledge that this will happen during the transition to renewables (we're at the beginning now), but that a post-carbon world will have manufacturing processes based on renewables. Similarly, more optimistic people anticipate that biofuel will support some air transport.
His worldview is certainly a return to medievalism. I don't think we'll go *quite* that far! Though I certainly agree that the over-consumption of current lifestyles will have to go. And THAT will be a hard sell.


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such a beautiful body! More of her, but next time, face up!
beautiful predicament!
such a beautiful woman. You should tie her standing, stretched, or even better, arched.
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Chenzhou Export Processing Zone
- Chenzhou Export Processing Zone
- Ms Zhang
- 86-0735-2654879
- http://www.czepz0735.com
- Suxian, Binzhou, Hu'nan
Approved by the state Council, Chenzhou Export processing Zone (CEPZ) is the only export processing zone in Hunan province,. The scheduled production area of CEPZ covers 3km2, and 1km2 for supporting living area outside the zone, including 1.4km2 for the first phase ,and 1.6km2 for the second phase that will be initiated at the and of 2006. The industrial positioning of CEPZ is to concentrate on developing export-oriented hi-tech industries, including electronic information, precision machinery, and new-type materials. The zone is well provided with infrastructure in water, power, roads, communication and gardening etc, and the enterprises inside could enjoy the preferential policies of tax-exemption, tax-guarantee and tax-refunding. By the end of the "11th Five-Year Plan", the CEPZ will achieve a total export and import volume of over USD 1 billion and provide more than 50,000 jobs, it is aiming at an export processing zone of electronic information industry in Hunan as well as a high and new-tech industrial zone at national level, and one of the first-class export processing zone in China.
Detailed Information:
- Export Processing Zone
- National
- 2006
- 0 - 5 Square km
- 0 - 5 Square km
- Chenzhou, Hu'nan Province, China, 423000
- Changsha Huanghua International Airport 50 - 100 km
- G107 20 - 50 km
- Fuzhou Port > 200 km
- Electronics Assembly & Manufacturing, Heavy Industry, Research and Development, Telecommunications Equipment
- Agricutural


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Put the kentucky kid back on a factory honda an I'm willing to bet that he'll very competitive again. Overall its its quit a shame such talented rider continue to struggle on the ducati.


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Fusion cheese is a processed product of different cheese places. It was produced for the first time 1911 by Swiss walter Gerber in Thun.
For production cheese is rubbed, mixed with fusion salts and water and heated up up to the liquefaction. Then the cheese mass in forms is filled and cooled down, until it solidifies itself again.
There is fusion cheese with sort name, which is produced from only cheese places and without sort name, whose raw material consists of several mixed cheese places. Frequently still spices, herbs or others added added like mushroom or ham bits. Acted fusion cheese is vakuumiert welded either in form of small triangular disk segments (brushable) in aluminum foil or than square disks (schnittfest) with separation sheets in plastic foil.
It is used gladly to over cheeks of occupied toasts and as edition for Cheeseburger.
We found here 3 articles.
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GIRL RISING Film Screening in Frederick, MD at Westview Stadium 16 IMAX
Thursday, 21 March, 2013|
"GIRL RISING", (PG-13), is a remarkable new feature film about the power of education to change a girl and the world. The film features 9 girls from 9 different countries all with the same dream... to go to school and get an education.
Directed by Academy Award-nominee Richard E. Robbins and narrated by Anne Hathaway, Salma Hayek, Alicia Keys, Freida Pinto, Meryl Streep, Kerry Washington and others, the movie is the centerpiece of 10x10 a global campaign to educate and empower girls.
GIRL RISING is being shown on demand. Therefore, 100 tickets must be reserved by March 14th for the Frederick, MD screening to take place. Tickets can only be reserved at http://gathr.us/screening/1109. Of course, no one is charged for the ticket unless we are successful in bringing the movie to Frederick.
Tickets cost $10 and a portion of all ticket sales goes to supporting girls' education programs.
Frederick, MD 21704
Event ContactGail Sadler
Website: Click to Visit


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Celebrating heels & the women who wear them.
You'll be more than desired in this luxe ankle boot from Steve Madden. A gorgeous bone leather covers the silhouette and makes the Desirred style a perfect addition to your ensemble. A 4 1/2 inch heel height and 1 inch platform finishes of this come hither look.


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|There Was Just An Earthquake In LA posted Mon Sep 10 2001 02:05:11 by Aio86
|I Just Survived An Earthquake posted Mon May 5 2003 21:21:38 by DesertJets
|We Just Had An Earthquake! posted Tue May 14 2002 07:03:35 by Superfly
|Did Turkey Just Get Nailed By An Earthquake? posted Fri Mar 26 2004 09:13:51 by L-188
|New Ad Campaign For Gay Marriage In California posted Tue Oct 9 2007 17:32:42 by Johnboy
|Earthquake In Guatemala posted Wed Jun 13 2007 22:04:40 by Diamond
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Is Universal Academy for the College Bound Right for YOUR Child?
Loading Map....
43.166771 -87.98262399999999
Saturday, June 29th, 2013
12:00 pm - 6:00 pm
Brown Deer High School
Milwaukee's newest public charter Universal Academy for the College Bound will host a school preview on Saturday, June 29 from Noon-6pm at the new Brown Deer High School Field House, 8200 N. 60th Street.
Join Andrea Williams from Noon-2pm for a chance to win a pair of Mindless Behavior tickets. The Universal Academy K-12 model educates from kindergarten to college!
Stop by for a 15 minute presentation, free food and fun! Meet their "Dream Team" staff and secure your child's spot for the "Universal Experience!"


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Molon Labe [Darleen Click]
While speaking at a town hall meeting in Milford, Conn., on Wednesday, Gov. Dannel Malloy was interrupted by a heckler who advised him to read the Constitution sometime.
The comment came when Gov. Malloy, a Democrat, was answering a question from a small business owner who said he is at a disadvantage to businesses in adjacent states that have a lower wage structure.
"I think that's not only a state issue, but we've got this thing called the Constitution, so it makes it a little difficult to do some of the things you suggest," Malloy replied with a smile.
Suddenly a woman's voice is heard shouting: "Why don't you read it sometime!"
Gov. Malloy has faced intense criticism over his support of Connecticut's new gun registration bill, which many believe is unconstitutional.
The bill has technically turned gun owners who legally purchased semiautomatic rifles into felons overnight after many have refused to register their guns and high-capacity magazines.
The state has yet to announce how or if they plan on enforcing the new law with criminal charges and arrests. According to some estimates, as many as 100,000 gun owners are in violation of the new gun control law.
Call it a "cross-in."
No sooner had a Lake Elsinore family removed a roadside memorial cross under pressure from a rights organization than six more appeared in its place.
Riverside resident Emily Johnson and her father, Doug Johnson, said they were so disturbed upon hearing that AnnMarie Devaney was being forced to take down the symbol honoring her late son, they crafted their own plywood crosses and planted them along Lake Street next to the site where the Devaney tribute once stood.
The Johnsons' crosses were painted with statements such as "What if this was your child?" and "Ever heard the phrase, 'To each his own?'"
"They said they have to take that one down," said Doug Johnson. "But they didn't say anything about putting another one up."


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Cape girls' lax wins fifth straight title
Dover — Cape continued its dominance of Delaware girls' lacrosse tonight, beating Tower Hill 12-10 at Dover High to win its fifth straight state title.
The closer-than-expected game was tied 6-6 at half, but Cape pulled away early in the second and held on for the win.
Scoring goals for the Vikings were Sara Young 3, Anna Frederick 2, Allie Yeager 2, Karalyn Joseph 2, Jordan Brown 1, Lexi Woodruff 1 and Kat Judge 1.
It was the Vikings' 63rd straight win over a Delaware school. Cape finishes the season with a 15-1 record, losing only to Queen Anne's (Md.) 11-9 earlier this month.
On May 10, Cape played the Hillers at home and won easily 13-5.


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Resolving a Cross-Cultural Misunderstanding
Building Bridges - Unit II
- Region
- Africa, Asia, Central America and Mexico, Eastern Europe and Central Asia, North Africa and the Middle East, Pacific Islands, South America, The Caribbean, Afghanistan, Zimbabwe
- Grade
- Grades 6-8, Grades 9-12
- Subjects
- Cross-Cultural Understanding
Students will try to resolve a cross-cultural misunderstanding in a constructive manner.
Note: To give students additional experience in resolving cross-cultural misunderstandings, use Voices From the Field, also available online. Have students read "Cross-Cultural Dialogue," by Roz Wollmering, and follow up with the lessons plan for that story.
Quote for Thought: Expect to feel embarrassed, foolish, and sometimes inadequate. It's all part of the experience. These trying times are what we eloquently call "adjustment." They're difficult, natural, and useful.
—Returned Peace Corps Volunteer, Kenya.
- Students will understand that cross-cultural misunderstandings are common occurrences.
- Students will identify a solution to a cross-cultural misunderstanding.
- Paper and pencils
- Tell students that they will now read about the way in which individuals in the Dominican Republic misunderstood an American Peace Corps Volunteer who was doing something that in the United States is perfectly normal.
- Give students a copy of Worksheet #8, Jogging Alone. (The anecdote describes an incident involving a Peace Corps Volunteer, who had one way of looking at a situation, and her neighbors, who interpreted the situation differently.) Ask students to read the Peace Corps Volunteer's account. Ask them to think about how they might solve the dilemma as they read. Then ask students to work in pairs to respond to the questions on the worksheet.
- When students have had sufficient time for discussion, elicit responses to each question. Allow time for differing responses to be considered.
- Ask each of the students to pretend they were the Peace Corps Volunteer in the jogging incident. Have each student (in the role of a Peace Corps Volunteer) write a letter home to a parent describing the incident and how it was resolved.
- Provide students with a checklist of what to include before they begin writing their letters. Have students exchange the first draft of their letters with another student for peer review and feedback. (The review and feedback should be based on the criteria in the checklist.) Then have students revise and polish their letters.
- Have students share their letters with a new partner. Then ask for volunteers to read their letters to the class.
- Students have just had practice in trying to see the world from another culture's point of view. Ask them in what ways developing this skill might lead to greater understanding right in their own school.
Frameworks & Standards
Enduring Understandings
- It's easy to misinterpret things people do in a cross-cultural setting. To keep from misunderstanding the behavior of others, you have to try to see the world from their point of view, not yours.
Essential Questions
- How can I learn to see things from another culture's point of view? Why is this important?
- If you did develop this skill, how could it lead to greater harmony and understanding right here in our own school?
Help your class develop a project to foster better understanding and communication among the students in your school. Conduct a survey to determine what communication difficulties, if any, exist among students of different cultural backgrounds within your school. Invite students to devise ways to resolve these difficulties. Examples:
- Students facilitate a cross-cultural communications workshop with the help of interested teachers and community members.
- Students role-play a cross-cultural misunderstanding and its thoughtful resolution at a school assembly.


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Narrow down the 9 results:
We have a range of budget places to stay in Puerto Madryn from as low as £8 per night
Based on previous Puerto Madryn accommodation searches, the average starting price is £48
Want to splurge? At the top end in Puerto Madryn, we have 5 places to stay with prices starting at £84
x The average starting price for a place to stay in Puerto Madryn is £48 per night.
Av. Roca 1040Excellent 94%
dk112 Very helpful friendly staff, good advice for tour planning, english spoken, clean, the best showers, large BBQ meal at night an option - prawns were fantastic, secure lockers in rooms, kitchen not well stocked with cooking gear, fridge not large enough
Abraham Mathews 2951Great 80%
Boulevard Alte G Brown 3251Excellent 90%
Anna22 After a long night bus it was nice to be picked up at the bus terminal. Gladys speaks good english and on your arrival will talk you through everything you can do in the area, and give you a map. We booked all our excursions through her. Room was basic but comfortable and there was always hot water. No recreational area other than kitchen. You aren't allowed to use kitchen after 10am checkout, which is a problem if you're waiting for a night bus. Internet was also tempermental. Easy walk to seafront and shops.
Create your own travel plan including Puerto Madryn as one of your stops. You can use it to store all your research (even hotels found on other websites!)
Do you have questions about Puerto Madryn? You might try asking in our active travel forums and see if anyone else has been there.
Keep your family and friends up to date with your trip by starting your own travel blog!


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|Berkeley Parents Network
|Post a Msg
|What's New
Going to Medical School
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I am starting medical school in Vallejo this August. I have taken 3.5 years off from school since graduating from college. I have worked multiple jobs to support my family because my partner has been jobless for 3 years. I just recently paid off 50,000 of debt. I felt a bit over-worked but very thankful for the ample work opportunities. I am not sure what to do when school starts.
My parents live in LA. They offer to take care of my toddler so that I can focus on school. As much as I know that medical school work load will make me mostly unavailable for my daughter, I have a hard time believing that I can excel academically with my daughter 400 miles away from me most of the time.
My other option is to believe that partner can rise up to becoming the sole care-taker of our daughter. He will take care of her in the evenings and weekends, while she's enrolled in daycare 45 hrs weekly.
Should I let my parents take care of my child? They are in their late fifties and early sixties. Children are demanding. My parents are not in the best financial situation. I will try my best to help them financially with my savings/loan. I know that they are more patient and wiser than my partner and I.
Should I let my partner try to take care of our daughter so that I could at least tuck her in at night? Should I let my parents take care of my daughter at least for the first semester or first year of medical school, since many med students told me that the first year was the hardest.
In my relationship with my partner, I have been the cook, the comforter, the bread-winner, the sole care taker of my daughter, I don't think the dynamic will reverse in 3.5 months when I start medical school. I want my daughter to be in a loving, supportive, and stable environment. I don't want her to see my partner and I argue. But I will miss her so much and be so sad to not see her for long stretches of time. I've proposed to my mother for her to move up to the Bay and I would compensate her financially (cover the money she'd make in LA.) But she declined. I don't see anyway to reconcile my desires to watch my daughter grow, excel in medical school, and provide her the healthiest environment to thrive. torn between motherhood and education
i don't see how while you're in school, you'd be able to pay for daycare, in addition to your living expenses, when there's another person in the household who can help out. your partner could save everyone a LOT of money by becoming the primary caretaker. (and no need to be a good cook either.)
if you can't rely or trust your partner to rise to the occasion and contribute to the household, why are you with this person and being an enabler? this is not what you need to deal with, but it seems like you guys have a relationship problem.
but you seem like a really strong, driven person, so don't let anything dissuade you from that goal. sure, your daughter will miss you, but in the long run, she'll realize how hard-work and dedication pay off in the end when you become a doctor. good luck. - reluctant primary caretaker but a capable caretaker nonetheless
It might be helpful to consider some kind of counseling with your partner. You seem a bit exasperated with him and also you don't sound as if you trust him to be a stay- at-home parent. Will he do everything the same as you? Nope. But if he will love and care for your daughter, that's what's important. If he's a caring dad, I think keeping your daughter with you, while takes day-to-day responsibility for her, is a much better option than sending her to live with your parents.
Now, how are you going to manage financially with an out- of-work partner and you going to school full-time? I assume that you are going to be taking out copious loans to pay for school and probably living expenses too. The debt will be a significant factor in your future, so hopefully you've given the whole medical school plan a lot of thought and you KNOW that you are on the right path for yourself and your family. If so, go for it. Try to avoid getting swept up in your classmates craziness re: grades. Having your daughter with you will help you keep your perspective, I think. Will be paying off loans for a long time
Sorry if said too much...I did not mean to hurt u. But if u want some one to inspire/brainstrom/motivate u to do this then please reply to this post with ur id and I will get in touch with u. I am not a professional consultant but will talk to u in the spirit of motherhood/sisterhood. Yes, of course for no money :) . Good luck. Another mom
I was in disbelief when I read your issue! Your husband is your partner - that means that he should be working alongside you to do what is best for his family. I feel very strongly that unless your husband has a disability that doesn't enable him, of course he should be looking after your child. You are depriving him of the right to be the primary care-giver of your child by asking your parents or sending your child to day-care. Your parents sound like wonderful people but they've done their job - they should be allowed to live the life they want now without extra responsibility.
You have done more than your fair share - it is now time for him to step up to the plate and take on his responsibility as a parent and as a husband! It really is a no-brainer - you go to school, he looks after your daughter and the home. You need to communicate this to him clearly and factually without an argument. Just do it, he will have to row in. Your daughter will be happy to be spending time with her father and you will be more appreciated for all that you have done. You need to stand up for yourself in this instance and command the respect you deserve. Your daughter will benefit by this in the long run.
Just wondering - what does your husband do all day while your daughter is at day care? Katie.
I would not send your 3-year old daughter to live in LA with your grandparents. Moving away from you would likely be, at best, very confusing to her, and at worst, very traumatic. I would focus your effort on how to get your partner to step up and contribute to your household. Clearly, you cannot force him to do anything, but I would really look at what's going on in your relationship. Is he a parent to her at all? If he is not working (and frankly, even if he was), I don't think it's too much to ask for him to take over primary night-time and weekend parenting, including . Is he depressed? Will he go to couples counseling with you? Why hasn't he worked for 3+ years? Does he support your desire to go to med school?
All that being said, you will also have to find a way to be there for your daughter during this time. Forgive me for being blunt, but your first priority should be your daughter's well-being. It is very difficult for young children to be separated from their primary caregivers. Even though you will be busy with medical school, you can still tuck your daughter in at night and create a routine and special times to connect with her. Talk to other med school parents, if you can. On some nights and on weekends, you can have dinners with kids and study after they go to bed. You will have to find ways to balance your desire for academic/career excellence with being a good-enough mother. This may mean that you don't get as much study time as other students who are non-parents. But it doesn't mean that you can't make it work. daughter first
Our situation was in some instances similar: We had no reliable income from work or alimonies, and lived of student loans and well fare. My mother's partner was supposedly studying as well, but didn't finish any degree and only held occasional jobs. He wasn't much of a caretaker, either. My mother had to get a high school degree first before she started medical school. The whole ordeal took pretty much the majority of my childhood since I was 6.
The pros: I have a female role model showing me that ANYTHING is possible if you really want it. I was taught that lack of money should not stop you - there might be other ways. I learned that a woman can be independent from a man/husband no matter what the situation is. It is important to live your dream and live a fulfilling life. I learned to be very independent.
The cons: Even though I was at home with my mother while she was studying at home, we were not allowed to disturb her except for real emergencies (at least a broken toe). In my perception she never had time for us. I learned that living her life and fulfilling her dreams were more important than her children. I learned that hanging on to a loser (in my eyes, he was also alcoholic) who could do at least basic care taking was better than giving up her dreams. I learned to be independent by being forced to run a household at age 12, that is not healthy independence taught by good example.
I decided to give up a career and a 6 figure income in order to take care of my child. I don't regret giving up a corporate environment, and I am happy to be a SAHM, but I would definitely prefer to be less cash strapped and more independent (financially). But I know that I would prioritize my child over my career even if I was just starting to sort my options.
I am not suggesting to skip your dream of going to medical school. I would like to encourage you to find a child care situation close to you that will allow you to spend as much QUALITY time with your child as possible.
And it sounds as if you might want to have some honest discussion with your partner about the roles and responsibilities in your family. Good luck with everything
Being away from your daughter would be painful. Are you going to stay with this partner/father of your daughter? If you two separate, would there be more financial benefit / assistance available to you that would allow you to afford nighttime one on one loving care for your daughter? If you are not able to get an ideal childcare situation locally or are unhappy with your partner's method of caregiving (like he's being abusive), I would say definitely prioritize your daughter's safety and though you would miss her terribly and she would suffer in the short run, it is better to keep her safe and have her live with your parents until things settled down for you.
Also, just in case you haven't already contacted them, check into resources, advice from Bananas in Oakland, Contra Costa Child Care Council or similar organizations for your county. Is your daughter's daycare near med school. Will you be able to sneak out and give her a kiss on some days. One more thing. Try not to isolate yourself. Talk to other parents, other med students, friends, working parents, single working parents and perhaps a social worker type/counselor and see what other ideas might be out there. Don't lose hope. Put out your intentions and maybe a better solution will come along. Good luck. Wishing you the best
Hi, I hold BAs in Linguistics and French with Minors in Computer Science, German and Chinese. I'm 31 and have a 3 year old. I've lived all over the world, working mostly in teaching. I'm now a housewife. I would like to go to Medical School, and I'm not sure where to start. Should I get my pre-med work done at a community college, and then go from there? Should I be volunteering at the hospital in SF? I would like to be accepted into SFSU. Thank you! Ready for the next phase
One thing that stands out is the number of very stressful, life altering tests and applications that you take along the way (MCATs, application for med schools, Med school exams, then Step one, step two, and step three of boards, applications and interview for residency, then board certification which is also a several year long process. I passed all exams, BUT endured terrible stress and studying with kids/responsiblities was really difficult. Two, it is very expensive. You cannot work in med school. I remember feeling very discontent with being at an earning age and being a very poor student still. Three, what they require of medical students and residents is INSANE, and FYI I went to one of the 'lifestyle oriented, family friendly and benign' med schools. I remember feeling I had made a terrible error because being a mom and a med student or resident was simply incompatible. Four, it is hard. It is SO much information to learn. You will be next to 21 and 22 yr olds who have been science majors and the best students ever. You are just as smart, but make no mistake, it is hard for everyone. Five, it is long. In all, you'd be minimum of 42 before you even started to work, your child would be a teen ager already. You'd be in residency when your child was in middle school and that seems hard. In fact, all thru your child's life you will be stressed and taxed and occupied and tired and forced to commit to the hierarchy, drudgery and long hours to become an MD. I graduated from an 'easy' residency program in 2007 and choose a great humane field of medicine. I love what I do now, stayed married thru it all while raising two kids, BUT only made it thru because I had invested to much time and money to back out. I couldn't wait to be just a regular person with a regular job and finally take care of my kids. I could've been very happy a lot sooner in another field. Anon
You should also probably be volunteering at a hospital. I had spent two years as a health volunteer overseas before I started my post-bacc pre-med classes and was told that I should still volunteer in a hospital.
SFSU doesn't have a medical school, but UCSF does. I wouldn't get your heart set on UCSF this early though, as they accept fewer than 10% of their applicants.
Good luck! former post-bacc pre-med, now MD
Since you mentioned you had degrees in foreign languages, I wonder if you were ever interested in the hard cord science subjects during high school/college. They are really hard, and boring to a certain degree. I majored in bio a few years, was good at math, and physics; worse at organic chem; but far more excelled and interested in languages. I tried my luck with pre-pharm program and was bored to death; had to switch major into poli sci; then devoted years of my life to law school while working full time. I didn't have a kid during law school but found law school extremely demanding. I never saw my family much; didn't really have a life for years. Then the bar... I have a kid now and cannot see how a mother can go to med school or law school without leaving her child so many hours. However, I think you should take a few science classes first to see if you like them. You should not kill your dreams of a professional degree because of fear of not succeeding. You really don't want to spend the rest of your life wondering ''what if...?'' anon
Hi--I have had a realization that I regret not completing my
medical school prerequisites and attending medical school after
college. At the time it seemed incredibly overwhelming, and
that it would be so many years out until I would be a doctor.
Now I realize that it's been that many years out anyway--I'm 29
now with a toddler and a full time job with a software company--
and I really don't want to wait another 10 years and think the
same thing all over again. I had experience with a loved one's
illness recently and it really made me think about the world I
wanted to create for myself (and for others). It would take me
approximately 7 years (I think) to complete the prereqs, tests,
and medical school...And then comes residency. Does anyone
have any experience as a ''non-traditional'' med student (or
other similar major life/career change)? How did you swing the
finances? The time management? The children? How do you feel
about your decision?
Thank you!
Someday a doctor?
NP does not confer as much authority as MD, but certainly allows one to do some wonderful work in a wide variety of clinical settings. In many settings NPs work pretty autonomously, have presribing privileges, etc. It is a great path, in my opinion, and one that really emphasizes caring for the whole patient. Plus, when I watch the residents I'm training with slog through their 80-hr weeks for 4 years- well I know that some do it with kids, but it looks awfully hard to me.
As to being in an intense academic program and parenting - there is no question that it is tough. Most people in my program are not parents -- and think those who are are nuts to be doing it. The most important thing for me has been having a supportive partner who can pick up the slack when I have to study. It's not the hours away that are especially tough on me (certainly less than a full time job), it's having to study so much (and write papers, etc) at home. I've become a much more disciplined student than I ever was before; every naptime and bedtime I just have to head straight for my books.
But is it worth it? So far, yes. For me, I know that loving what i do makes a big difference in how I parent. In the big picture I am very very happy with my decision - it's just the day to day that can be tough sometimes. But a big additional plus to the nursing field is that as a female-dominated field it's a lot more family friendly than medicine. So it's reasonable to think you could have a great career and do it less than full time (or odd hours) so that you can be home with your kids more.
I'd be happy to tell you more if your interested. You can email me directly. Kathleen
He (and some of the friends mentioned above) were warned by doctors BEFORE med school that this better be the ONLY thing they can imagine doing - if not, they should do something else. We thought this rather dire, but 7+ years later, I would say the same thing to you. It is a very grueling road - long and unforgiving. I just missed my oldest friends' wedding because I could not do the traveling with the kids on my own and he could not get two days off. He was not around for the bulk of our daughters' first year, and we will see him very little this coming year. A very dear friend, one of the most socially conscious intelligent driven women I know has had the worst year of her life as a first year resident. She cares very little about taking care of others' needs anymore and seeks only to survive the next two years. Another piece of advice we heard is not to go into medicine because you love people, but becuase you love medicine/science. The people we know with this primary interest have enjoyed the process much more than the bleeding hearts (which is not to say that the science lovers do not also have great compassion and social concern!). All this said, my husband is one who could not imagine doing anything else and has loved it all so far, despite the sacrifices. He is one of those who primarily loves solving medical problems, but is also loved by his patients (lots of love all around :) He will MISS his kids over the next 3 years, and has missed having any outside life (including exercise) because of doing both kids and medicine at the same time (something else we heard; you have time for ONE other thing; reading, exercise, family...) But again, he could not and still can not imagine doing anything else - this is key. It is very hard to be the spouse/partner of a med. person in training; I am without him A LOT (he worked as many as 110 hours/week in med school), and take care of everything (kids, house) and miss out on many things I want to do because I have no support (if you move for med school and/or residency it takes time to find a support network, and you may be far from family, as we are). If you would like to talk to him, email us. Good luck with the decision.
After almost three years of farming our daughter to nurseries and daycare, we slowly realized that our daughter hardly knew us. We had too little time with our daughter, and were exhausted when we were home. Our kids (two of them by now) spent more time away from us than with us. We were missing the best part of being parents. We met several physicians whose kids were nannied full time, and were turning out troubled.
The money? Went straight to the med school loans and childcare.
We looked at each other one night and decided to call it quits. My wife quit her high-stress, high pay job. I backed down to half-time. With a great effort, we paid off the loans (ask a medical student about the loansharks that circle medical schools!).
We haven't looked back.
My wife still has her medical license and keeps up with her CME's, but she says she'll never work in a hospital again. Indeed, she points out that it would be malpractice for her to work since she hasn't done medicine in seven years.
Seven years? Yep -- it's been that long since she walked away from doctoring. What a difference in our lives: Low income, but low stress and we *know* our kids. We have plenty of time together. Heck, we cook our breakfasts together most mornings! Our days aren't tightly scheduled. Sure, we have our problems, but we've never missed a class play or picnic.
As an aside, my wife went out of her way to *not* get a license to prescribe heavy-duty drugs -- friends would hit her up for prescriptions. Then, too, she won't diagnose medical problems within our family. She's told me repeatedly, ''The doctor who diagnoses herself has a fool as a patient.'' And being a physician doesn't help much when you need medical care --last month we went to Alta Bates emergency room and had the same dreadful experience that everyone else has. Berkeley Dad
I didn't have my daughter until after medical school, so I can't comment on that part. But I just finished intern year (generally regarded to be the hardest year of medical training) and I've certainly survived. I don't feel at all like I've missed out on a year of her life. My entire life is working or being with my family -- no exercise, no social life to speak of -- but I can deal with this for a few years. Yes, I'm tired and sometimes I feel totally tapped out, but I still usually enjoy what I do. And don't forget, I'm talking about intern year -- your prereqs and first 2 years of medical school are classes and studying, fourth year of medical school is less demanding, and so you're looking at your 3rd year of medical school and residency being like what I just described.
Your partner needs to be completely on board with the plan or you're headed for trouble, because it will be very demanding on him/her. During some rotations in medical school and most of your residency you spend every 4th night away from home. My husband and daughter often come to visit me in the hospital those nights. It's very helpful to have extended family support. Probably all your choices around where to go to medical school and do residency will revolve around making it work for your family.
Obviously, it's an enormous investment. But if the payoff weren't greater, I wouldn't be doing it. It's just plain amazing work. You have a place of incredible privilege in so many people's lives, and every once in a while you get the tremendous satisfaction of really having an impact on someone. (I disagree with the person who said the ''bleeding hearts'' don't enjoy it as much as the scientists.) On a practical level, it's flexible work that you can do part-time or full-time, and it pays pretty darn well -- maybe not like a top lawyer or businessperson, but far better than most professions. There aren't very many careers that allow you to make a livable salary in this area doing part-time work that you're passionate about, but this is one of them.
Feel free to e-mail me if you want to talk more. Kate
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text:
I know I'm late posting today, but I had a pretty busy day for not stepping foot outside my apartment.
My sister and cousin came over to keep me company/look after me/keep me from being in a really bad mood because I can't do anything. They were very successful in all areas. A+ to them.
We did some baking and then did all the heavy lifting, bending, reaching, moving, etc. Christine is going to a party with her friends tonight so she wanted to bring some hummus. I helped her make traditional hummus and black olive and roasted red pepper hummus. We may or may not have had some with pop chips (salt and pepper).
I was making my daily rounds of blogs I read when I saw the following over at Oh She Glows. It was love at first site and I knew I had to make these. (Do I say that everyday??!?)
I made these exactly as Angela did, so you'll have to check out the recipe over at her blog.
But look at these chocolate dipped chocolate chip cookie dough balls…. and they really aren't that indulgent…as compared to most things go, and dare I say even…guilt free.
Here are some pictures of the process. I will update this when I get some better pictures in day light. By the time they were in the freezer for an hour and ready to come out, it was dark.
For being raw and vegan, these are as close to tasting like cookie dough as it gets. Yum.
The ingredients you'll need to make chocolate dipped chocolate chip cookie dough balls are:
- cashews
- regular oats
- spelt flour (or other flour)
- kosher salt
- 5 pitted medjool dates, chopped
- pure vanilla extract
- pure maple syrup, to taste
- dark chocolate chips
- 1/3 cup dark chocolate, melted, for dipping
So go ahead, you know you want to go over to OhSheGlows to check out the recipe. These take a total of about 20 minutes to make, 1 hour to freeze and about 30 seconds to eat.
You will be loved by everyone.
Blissful Bites Podcast Giveaway!
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Too much to see and so much to say! This is the second installment of our trip to the Big Apple with our little entourage. Be sure to catch Part One: How To Do Manhattan in 4 Days With Your Little Entourage.
Day 3- Another Action Packed Day
Day 4- Winding Down
RSMLV Tips and Tricks:
[…] miss Part 2: How to Manhattan With Your Little Entourage, plus RSMLV […]
SO. MUCH. TO. DO. I bet you left that vacay exhausted!!
Awesome list! I need to see / do all of this!
[…] Options Decide if you are going to eat in the cafe for lunch, dinner or tea prior to your visit as sittings book up. Depending on location, each American Girl store offers […]


text:
- PeruFoodFunding via Asociación Arariwa
Jacqueline ...PeruServicesFunding via Asociación Arariwa
ConsueloPeruServicesFunding via Edpyme Alternativa
La Proyección De San José Group
Her husband works as a taxi driver, but he doesn't earn enough money to meet all of their basic needs, so Mily decided to contribute to their income. She remembered that her mother had a food cart and she decided to use it to sell sausage and french fries from the door of her house. Thanks to the income she earned from her sales and both of their effort, they were able to pay the school fees for their children.
One of Mily's dreams is to have her own restaurant so she will earn more income and have a better quality of life. With this loan, she wants to buy a standard and merchandise to sell school supplies.
Actualmente su pareja trabaja como taxista, pero el dinero que gana es insuficiente para cubrir todas las necesidades básicas es por ello que Mily toma L. decisión D. colaborar con los gastos, recordó que su mamá tenía un carrito sanguchero y decidió utilizarlo para vender salchipapas en L. puerta D. su casa. Gracias a los ingresos que obtuvo por las ventas y el esfuerzo D. ambos pueden cubrir L. pensión escolar D. sus hijos y movilidad. Uno D. los sueños D. Mily es poder tener su propio restaurante para que haya más ingresos y tengan una mejor calidad D. vida. Con el préstamo solicitado desea invertir en L. compra D. un estándar y mercaderías para L. venta D. útiles escolares.
Additional Information
About EDAPROSPOEDAPROSPO seeks to use micro-credit to foster productive commercial activity for the sake of economic and social development within vulnerable urban and rural sectors traditionally neglected by commercial banks. By offering innovative products such as technical education loans and microfinance groups for young people, EDAPROSPO helps disadvantaged Peruvians lift themselves out of poverty.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Peru
44View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 6 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Feb 8, 2011
- Listed
- Feb 16, 2011
- Currency Exchange Loss:
- Covered
- Ended:
- Jul 19, 2011


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« Khloe Kardashian To File For Divorce From Lamar Odom Today | Home | Kim Kardashain Gushes About Her Husband-To-Be Kanye West »
Kim Kardashian Offers Advice On Winter Fashion
December 13, 2013 09:56 AM by Stephanie Gustafson
We've seen a lot of Kim Kardashian strutting her stuff in long coats these days. Never one to don a North Face puffy jacket, the Keeping Up With The Kardashians star is all about style and warmth…oh and cleavage, of course. How does Kim advise fans to remain fashionable in harsh winter weather?
While the rest of us are hiding our holiday season weight gain behind massive coats, Kim Kardashian is using this traditional winter covering to actually highlight her post-baby body. And she's eager to show her fans how to do the same! Yesterday, the reality star tweeted, "How to style your winter coat," along with a link to her Celebuzz blog.
In her helpful blog post, Kim offered plenty of sound advice on how to maintain both fashion and comfort when the weather outside is frightful. Highlighting a sleek black Celine coat she's worn on multiple occasions, the celeb explained, "When you have staples like a black winter coat, you can play around with different textures to either play down or dress up your look for any occasion."
Also included in the post are several pictures of Kim in her favorite coat. In one snapshot, she pairs the classy number with a decidedly more casual pair of ripped jeans, while, in another, she amps up the cleavage in a sheer top by Carven. And in a third photo, the reality star surprises by (gasp) actually buttoning up her coat to keep out the cold.
What do you think about Kim Kardashian's winter fashion advice? Feel free to share your opinion in the comments section below!
Want more? Follow our tweets on Twitter and like us on Facebook! Click here for more information about Keeping Up With The Kardashians. For other great reality TV news, please feel free to check out Sir Links Alot: Keeping Up With The Kardashians.
Photo Credit: Kim Kardashian Instagram
Topics: E! Reality TV Shows, Keeping Up With The Kardashians, Kim Kardashian, Kourtney And Kim Take New York |
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News media starting to get ornery over Kagan thing.
Not that the White House cares. Or do most of the people reading this, except in a theoretical, pass-the-popcorn sense, I suppose: The White House today posted on its website a video allowing Supreme Court nominee Elena Kagan to speak "in her own words" about her personal history and perspective. In the interview, conducted by a White House staffer who produces videos for the administration, | Read More »


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No decision yet on trial for dad in baby's death
LUDINGTON, Mich. (AP) — A judge has called a long time-out in the case of a northern Michigan man accused of killing his baby daughter.
Mason County Judge Pete Wadel is allowing defense experts to examine a letter linking Sean Phillips to Katherine Phillips' disappearance. Phillips' handwritten letter to the girl's mother says the 4 ½-month-old was accidentally killed and left in a "peaceful place."
Baby Kate, as she's known, disappeared in 2011. Her body hasn't been found.
After hearing a second day of testimony Friday, Wadel says the case will resume in approximately three months. He must decide whether there's probable cause to put Phillips on trial for murder.
Phillips already is serving at least 10 years in prison for unlawful imprisonment in the girl's disappearance.