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The playoffs have officially begun, and as I promised a few days ago, I will be reviewing all the games here at THT Live, using my Win Percentage Sum (WPS) system as a starting point for my comments. (For those of you who have dodged my articles before now, WPS is designed to measure the excitement of baseball games. Get the skinny here and here.)
Win Percentage Added data used to calculate WPS for these posts comes from FanGraphs. WPS numbers in the box score are rounded to the nearest whole number, for ease of scanning, but the index itself is calculated by tenths of a point. (Not that such precision is really that crucial to WPS, but it's nice to have it.)
Game 1 2 3 4 5 6 7 8 9 F Cardinals 0 0 0 3 0 1 2 0 0 6 Braves 0 2 0 0 0 0 1 0 0 3 WPS 1 2 3 4 5 6 7 8 9 Cardinals 7 5 5 35 5 17 14 4 1 Braves 5 28 8 30 7 15 18 31 12 WPS Base: 247.8 Best Plays: 48.1 Last Play: 4.8 Grand Total: 300.7
A roughly average game by WPS, maybe a touch on the dull side. There were enough subplots to hold a fan's attention, though.
Fredi Gonzalez's gamble in starting backup catcher David Ross over a dinged-up Brian McCann paid off. Ross went three for four with a homer, and McCann walked in an important late pinch-hitting situation. I'll get back to that situation in a bit.
The Braves ended up beating themselves. Chipper Jones's high throw on a double-play ball set St. Louis up to score three runs, two unearned. Errors in the seventh by Dan Uggla and Andrelton Simmons led to two more unearned tallies, and a three-hit outing by Kris Medlen was thus wasted. Simmons made a further error, apparently of the mental variety: weaving off-line running out a bunt, he was called out for interference when the throw to first caromed off his helmet.
In case you thought that meant we had now seen everything in the playoffs, there was more to come: a game protested on an infield fly call. Simmons hit the pop that drifted well into the outfield, where it dropped between Pete Kozma and Matt Holliday. The left field umpire called it an infield fly shortly before it fell, putting Simmons out even though runners on first and second did advance. Gonzalez protested, to no avail. (Umpires have wide discretion on infield flies, and judgment calls cannot be protested.)
This took an out and a runner away from Atlanta in the eighth, and though McCann walked to fill the bases, Michael Bourn, the potential lead run, struck out to leave the Braves empty-handed. (You can see the 31 in the WPS line, a very high score for a frame with a three-run margin and nobody scoring.) Fans in Atlanta showered debris on the field more than once after the controversial call, including once the game's final out was recorded.
Their actions were their own punishment. Chipper Jones, up as the potential last out of the season and his career, legged out a generously scored infield hit, and got his ovation. Once the last out was made, though, he ran right for the dugout and soon to the clubhouse. There was no last curtain call, no final tip of the helmet to his fans of 19 years. That is what the rowdies at Turner Field cost themselves. May they rue it.
Game 1 2 3 4 5 6 7 8 9 F Orioles 1 0 0 0 0 1 1 0 0 5 Rangers 1 0 0 0 0 0 0 0 0 1 WPS 1 2 3 4 5 6 7 8 9 Orioles 20 12 6 9 7 26 23 4 9 Rangers 20 11 16 27 13 9 9 25 14 WPS Base: 261.4 Best Plays: 32.3 Last Play: 5.1 Grand Total: 298.8
Just below the excitement level of the early game, even though this one was tied through five.
The manager's gamble here was Buck Showalter starting Joe Saunders, a pitcher highly vulnerable against right-handers. Ron Washington ran out eight righties in his lineup, hoping to jump on Saunders fast. But again, the roll of the dice worked out. Saunders had to work out of some tight spots (note the fairly high WPS numbers for the Rangers, innings one to five), but he left after 5.2 innings having given up only one run. He got the win, and instead of authoring the most second-guessed starter's assignment since Denny Galehouse, Buck came closer to evoking the memory of Howard Ehmke.
Rangers fans were not kind to Josh Hamilton. Remembering his booted fly ball that helped Oakland to its division-clinching victory on Wednesday, they booed him in the sixth when he squibbed a pitch back to Saunders, and they booed him in the eighth when he fanned on three pitches from Brian Matusz with a chance to tie the game with a long ball. The Texas front office might have thought it'd have to pursue Hamilton hard in free agency to keep the fan base from revolting. The Rangers may not have that problem now.
The themes of Wild Card Friday were two-fold. The home teams both went down to defeat, and the aces of their respective teaams, Kris Medlen and Yu Darvish, did not provide the single-game edge their teams hoped they would. (Neither did badly, mind you, just not well enough.) Congratulations to the Cardinals and Orioles, whom we will see again on Sunday.


text: Jon M. Sweeney is an independent scholar, culture critic, and popular speaker with 25 years of experience in spirituality trade publishing. He's the author of many books including The Pope Who Quit: A True Medieval Tale of Mystery, Death, and Salvation, recently optioned by HBO, Inc. Raised an evangelical Protestant, today Jon is a Catholic who prefers a monastic-style practice. Michal Woll is rabbi of the Ann Arbor Reconstructionist Congregation. She is a gifted liturgist, pastoral counselor, physical therapist, and yogi. She has passion for teaching and creating ritual, and deep appreciation of Judaism as both a communal identity and transformative, spiritual path. Jon and Michal live in Ann Arbor, Michigan with their daughter Sima.

subset: commoncrawl


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Pleasant Hills Borough Council OK's budget expenses
Pleasant Hills Borough will operate with a $1.2 million deficit until the spring, when the millage is set, officials said.
Borough council approved the $7.96 million 2013 budget on Jan. 21. There are many properties in Pleasant Hills still waiting for appeal hearings for the 2011 Allegheny County property tax reassessments, which went into effect for homeowners in 2013, so borough officials most likely will approve the 2013 millage in May or June, Councilman Joseph Esper said.
"We've bought ourselves some time," Esper said. "The budget that was passed was just on the expenditure side."
Officials of municipalities in Allegheny County are required to adjust the millage in 2013 so that budgets are revenue neutral but also are permitted to raise it to generate an additional 5 percent, which Pleasant Hills planned to do, Esper said.
Borough officials also are negotiating contracts with both Local 433 of the Utility Workers Union of America, which includes public works, Pleasant Hills Authority, administrative and police clerk departments, and the Teamsters Local 205, which covers the police. Finalizing the contracts will help firm up Pleasant Hills' 2013 budget but also could create a larger deficit, Esper said.
"It's going to be worse than $1.2 million, but we don't know what that number will be," Esper said.
When asked if the borough might have to go to the Allegheny County Court of Common Pleas to request more than the additional 5 percent, Esper said he had no comment.
"It's obviously an option," Esper said.
Pleasant Hills' 2013 budget includes:
• A $2.57 million police budget, $184,847 for the Pleasant Hills Volunteer Fire Company and $48,450 for emergency medical services.
• Pleasant Hills Public Library will receive $144,070.
• Capital improvements expenses include $35,000 for police cars, $15,000 for security cameras, $80,750 in fire equipment, $85,000 for public works and sanitation, and $376,471 for highway maintenance repairs and reconstruction.
Laura Van Wert is a staff writer for Trib Total Media. She can be reached at 412-388-5814 or at firstname.lastname@example.com.


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TEL AVIV (Feb. 29)
Two Norwegian soldiers serving with the United Nations Interim Force in Lebanon were seriously injured Sunday when they wandered into a mine field in the southern Lebanon security zone, north of Marjayoun. One soldier lost a leg.
Rescue efforts were hampered by shots fired from unknown sources. According to UNIFIL, that was "standard practice" on the part of the rival guerrilla and militia groups in southern Lebanon.
The rescue was hazardous in any event. It took more than six hours for medical teams to extricate the more seriously injured of the two soldiers, who was lying well within the mine field.
UNIFIL sources could not explain why the two soldiers left the safe track on which they were walking.


text:
JACKSONVILLE, Fla. - Police suspect foul play in the death of an 18-year-old woman found Thursday morning inside apartment off San Pablo Road.
Investigators were called to the 2900 block of South Don Quixote Circle about 8:40 a.m., where they found Rosa Garcia dead. Police said her sister-in-law initially found her.
Detectives said they obtained a search warrant to conduct an investigation inside the apartment.
Homicide investigators said they're waiting on the Medical Examiner to give the determination on cause of death.
Police later said they were looking for Garcia's 20-year-old husband and a four-door, silver 2005-09 Nissan Altima with a temporary license plate. The husband's name was not immediately released.
Police said the two had a child, who was in the custody of the Jacksonville Sheriff's Office. The child was OK.
"It makes me very uncomfortable. I have a 16-year-old, so it makes me very, very uncomfortable," neighbor Kerramm Evans said.
Anyone with any information about the killing is asked to call Crime Stoppers at 866-845-TIPS.
Copyright 2013 by News4Jax.com. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Field fix
Construction equipment was ready and some earth had been moved Wednesday for the improvements to Bob Young Field in Ellsworth's Summit Park. The infield is being stripped down and the existing sod replaced, along with infield material, plus drainage will be upgraded. New drainage will be added around the backstop and a new sprinkling system for the field will be installed. Cost of the project, estimated at between $40,000 and $45,000 is being evenly split among the Village of Ellsworth, Ellsworth School District and Ellsworth Hubbers. (Herald photo by Bill Kirk)


text: Anderson was a popular Australian footballer. Most of his career he played for Swan Districts Football Club where he won 3 medals to his name in 1946, 1948 and 1951. He was knowm as a legend of Swan Districts. He was inducted into the West Australian Football (WAFL) Hall of Fame, in 2011. He married Shirley and they had together three children: Peter, Gail and Susan. He died after a short illness on December 7, 2012.


text:
British TV industry is getting richer and the US is its biggest market
What do all these shows — "Downton Abbey," "Sherlock", "Dr. Who", "Black Mirror" and "The Crown" — have in common? For one, these have been highly profitable shows in the past, as well as some that are still in demand right now.
But more importantly, all these TV giants are British.
In the past few decades, British television has been on the rise. While the United States remains the biggest and perhaps one of the most successful and universally marketed television industries, the British industry is not far behind. What's ironic is that British television's largest overseas market is, in fact, the U.S.
British television exports to North America, Australia and France have risen by 10 percent in the past few years, taking the revenue up to $1.66 billion, according to Variety.
British TV shows have been highly successful in foreign markets, and we can thank the golden age of streaming for this substantial rise in revenue. U.S. based streaming services such as Netflix and Amazon Video are some of the biggest buyers of British shows. But that's not the only thing that is boosting this industry to a whole new level. This is where the magnificence of the BBC comes in.
For British shows not owned by streaming services, the BBC holds the monopoly in public television and other forms of broadcast entertainment, including radio, news and the internet. And the BBC isn't confined to the U.K., either. With regional branches all over the world, this network has been promoting British television to the majority of the world, something that American television had not thought of until the concept of streaming online was conceived.
But this doesn't entirely explain the popularity of British TV shows in the U.S. What I want to know is what makes British TV so desirable to overseas audiences, because it can't be just the accent. Now I know I am no historian, but there's no harm in talking like one.
Let's go back to where it all started. "Skins" enthusiasts would pinpoint the mid-2000s as the time demand for British shows grew. Shows like "EastEnders" and "Absolutely Fabulous" garnered a large American audience. This was before reality television came into the picture and Simon Cowell spread his malicious genius to the U.S. in the form of "American Idol" and "The X Factor."
In the footsteps of Cowell's brainchildren were American remakes of highly popular British shows such as Ricky Gervais's "The Office" and "The Inbetweeners" — the latter being something the British and the Americans choose not to talk about. After the dawn of the new decade, the British dominated — and are still at their best — in genres such as sci-fi and historical fiction. I mean, "Doctor Who" will still probably be running even after the class of 2020 retires.
As for historical fiction, Britain is spewing out shows about every possible historically relevant family in the U.K. as well as the rest of Europe. Although "Game of Thrones" is the biggest contender of the all things royal and sexual, shows like "The Tudors" add the right amount of monarchical drama that American history lacked. Plus, after a quick google search, you find out that in spite of having half of the British film industry employed as actors in the show,
"Game of Thrones" is produced in the United States.
Now, it's time to wait and watch as Netflix and HBO compete to become the next BBC.
Malvika Randive is a freshman majoring in Writing and Rhetoric. Her column appears weekly in Pulp. She can be reached at firstname.lastname@example.com.
Published on February 8, 2017 at 11:04 pm


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So finally the adventure riders in the country will be relieved when the Triumph Tiger 800 XC breaks cover in India next year. One out of the seven models to be launched by Triumph, the Tiger 800 XC will be an important model which will explore the untapped adventure motorcycle segment in the country, which is scheduled for a big change in coming years. The Tiger 800 XC has been revered as one of the most potent and well-established trailies internationally and its Indian foray is highly awaited.
Powered by a 7,99cc three cylinder engine, the machine weighs about 215kg (wet) and offers one of the best ride quality in its class. Expect the otorcycle to go on sale in India by late 2013 at a said price of Rs. 11.4 lakh (ex-showroom). Imported as a CBU, the Tiger 800 XC will still be a bit heavy on the pocket but it will be money well spent for hardcore adventure riders.
Rs. 1.29 lakhView On Road Price
Rs. 3.00 lakhView On Road Price
Rs. 18.75 lakhView On Road Price
Est. Price: Rs. 8.00 lakh
24 Aug 2017
Est. Price: Rs. 56,000
September 2017
Est. Price: Rs. 1.80 lakh
September 2017
Rs. 50,846View On Road Price
Rs. 1.33 to 1.35 lakhView On Road Price
Rs. 74,976View On Road Price


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Crosby by Annabelle Speer
Welcome! You are browsing as a guestWould you like to see 12 projects made from this pattern and much more? create a free account What am I missing?
© Malabrigo
This pattern is available for $5.00 USD
buy it now or visit pattern website
buy it now or visit pattern website
Crosby is a cable and rib scarf, designed by Annabelle Speer.
It's designed for Malabrigo Yarn Mecha, and is shown in the colorway Azul Fresco
For more information, see: http://www.malabrigoyarn.com/booklet5/


text:
Diagonal Stripe Hat by Natalia Blank
Welcome! You are browsing as a guestWould you like to see 7 projects made from this pattern and much more? create a free account What am I missing?
© rukodelnitsa
© rukodelnitsa
© rukodelnitsa
© rukodelnitsa
Diagonal Stripe Hat
This cute little hat only looks difficult to knit.
Once you make it and see how easy and quick it is to do - you will want to make one for every kid (and adult) in your life in every color of a self-striping yarn you can put your hands on.
Makes a great quick gift for any occasion!
For more information, see: http://www.knitpicks.com/patterns/Diagonal_Stripe_Ha...


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New Heeley Voice
The Trust publishes a community magazine, The New Heeley Voice, 4 times a year. The content is contributed by the local community and it is distributed entirely free of charge around the Heeley, Arbourthorne, Lowfield, Norton Lees and Meersbrook areas of Sheffield. It is also available to view online at www.heeleyonline.org
For more information, contact Simon Bartles on 0114 2500 613
Millennium Park
A community-owned and managed park, designed by local people, mostly built or planted by local people and held in trust for local people by Heeley Development Trust for the next 110 years!
For more information, contact Thom White or Bev Nunn (Events and Involvment Organiser) on 0114 2500 613
Online Centre
Heeley Development Trust is a flagship UK Online Centre, offering free drop-in computer and internet access on Tuesdays, Wednesdays and Thursday morning. We also run formal IT courses such as Computers for Beginners, Digital Imaging, Spreadsheets etc, depending on demand. Contact us if you want to put your name down on our interest lists.
more information, contact Maxine Bowler
on 0114 2500 613 ext 222.
ReCycleBikes was established in 2000 and became part of Heeley Development Trust in the winter of 2005. Based next door to the Trust in Ash Tree Yard, ReCycle currently has 4 major strands to the project: Youth Training, Adventure Days, Workshop Services and Secondhand Bike Sales.
For more information, contact Paul Allard or Karlos Dearman on 0114 250 7717


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Polyester Power Hour Party
Additional Information
Join 99.9 KTDY and Moss Motors at The District Lafayette on Thursday February 20th for the party of the year! In true KTDY Polyester Power Hour fashion this is a disco party event. Pull out your afro, bell bottoms and best disco ball attire for a Costume Contest awarding $500 Cash! You will hear the best disco party music from Krossfyre and dance the night away in the best company. That's right, all of the KTDY family will be there hustling right beside you. Doors open at 7:00 and LOL Photeaux will be there to catch everything on camera!
Don't miss your chance to buy pre-sale tickets for a discounted rate of $15!!
You Can purchase tickets at the radio station located at 1749 Bertrand Drive or pick them up at Schlotzsky's Deli located at 2968 Johnston St or 3570 W Pinhook Rd.
You can also purchase them online at: http://Thedistrict.eventbee.com/event?eid=102315254
Whatever you do, make sure you don't miss it! ☮☮


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Monday, June 01, 2009
Risk-Return Assessment Of Market Leaders
No stock is always good or always bad. There is always the price which makes a good stock bad, and vice versa. The markets have charged head-on and prices have moved dramatically for some. I would like to rate them on a risk-reward ratio as trades going forward, on a 1-4 week view. They are ranked out of 10, the higher the number, the higher the risk over reward. What we should aim for is getting into low risk to reward, closer to 1 (below 5 is acceptable). Bear in mind, it has less to do with company outlook but rather more to do with price run up and the levels they are at now, compared to perceived upside and the downside risks. These are my views and not a scientific exposition filled with quantitative formulas, ... its unscientific, full of bias:
KNM at 0.96 (8.5)
Compugates at 0.075 (7)
Tebrau at 0.815 (6)
Scomi at 0.72 (5)
SAAG at 0.335 (4)
Sanichi at 0.10 (5.5)
UEM Land at 1.72 (9)
Mulpha at 0.54 (6.5)
Jaks at 0.82 (4)
Huaan at 0.465 (4)
IOI at 4.56 (2)
Mithril at 0.10 (4)
Resorts at 2.83 (5.5)
Axiata at 2.38 (8)
Equine at 0.59 (8.5)
Poh Huat at 0.65 (7)
TM at 2.68 (7)
CBS Tech at 0.49 (7)
D Bhd at 0.24 (3.5)
MRCB at 1.36 (4.5)
FRB at 1.06 (4)
ASB at 0.15 (5)
Kinsteel at 0.91 (4.5)
Iris at 0.19 (8)
Oilcorp at 0.47 (6)
Ramunia at 0.59 (4)
E&O at 0.79 (3.5)
Timecom at 0.38 (4.5)
Perisai at 0.62 (5)
Zelan at 1.00 (4)
Maybank at 5.30 (4)
AirAsia at 1.35 (3.5)
MK Land at 0.37 (5.5)
p/s photo: Tracey Ip Chui Chui
5 comments:
- fuee said...
Glad that you mentioned your ratings full of bias, so as not to mislead others. A recap of your "quick trading note" at May 22: next entry level of 1008 - 1015. At the time i am writing this comment its 1062. Guess you are going the way of Mark Hulbert, a columnist in MW, almost all his readers recognize that when he says its bull, its bear, when he signals for a bottom, there will be rally. anyway, thanks for sharing, sincerely.
- solomon said...
It is some sort of reality check for all, ya. Whether it is a green shoots or false dawn, I felt like Art Cashin the market is going to have a major healthy pullback of 10-15% very soon.
Like Dali said, the equities could have been repriced ahead of the fundamental at local front. I will take a bet and to miss the current rally and let the lucky one to earn theirs.
- random said...
on a different topic, joanna wang will be at 1U central park 8:30 pm 5th june
- easystar said...
Except of course that some stock are bad buys at any price (eg. some of the bank stocks that have now went down to zero)
- lofan said...
hi bro,
whick stocks to look at for current scenario?


text:
The Rogers Royals rallied from a 22-0 deficit to beat East Ridge, and cruised over Minneapolis Roosevelt 55-6, in a triangular Friday evening at East Ridge in Woodbury.
"It was fun to have a close dual like the one against East Ridge," said coach Chris Donnay. "We left way too many points out there but our guys picked each other up. Starting out down 22-0 but coming back to win shows a lot of heart out of our guys. (Ryan) Lien got a pin at 195 to seal the deal.
Rogers (8-6) and Blaine will wrestle at STMA on Thursday.
Rogers 39, East Ridge 37
1065—Ty Okada, ER, won forfeit
113—Nic Hodot, ER, won forfeit
120—MJ Plada ER, pin Brandon Magnuson 3:50
126—Reid Lyden, ER, majdec Cruz Martinez 16-6
132—Connor Larson, Rog, pin Jake Trevis 3:19
138—Philip Anderson, Rog, pin Sam Christensen 1:20
145—Kyler Swanson, TRog, tecfal Kiry Koy 16-0
152—Emilo Huertz, ER, pin Steffen Paige 1:53
160—Tyler Eicher, Rog, pin Kevin Siemer 1:53
170—Nate Tigges, ER, dec Jordan Lemcke 8-7
182—Jake Owens, Rog, majdec Zach Dreher 10-1
190—Ryan Lien, Rog pin David Kroger 3:09
220—Andrew Piehl, Rog, won forfeit
285—Jake Pittman, ER, pin Peter Oakland 3:13
Rogers 55, Mpls. Roosevelt 6
Connor Larson, Jordan Bond, Sam Suedbeck, Tyler Eicher, Jordan Lemcke and Peter Oakland won by pin. Cruz Martinez and Steffan Paige won technical falls. Jake Owens won a decision. The other matches were forfeits.


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Shelby Marie Wainford Model
NEOK Glamor ModelsPhotographer Male Tulsa, Oklahoma, US
Mayhem # 2151171
About MeI have been photographing fashion, glamor, sports and nude models for over 20 years, and many of the girls I've worked with have been published in national publications. A lot of models lean toward a more "artistic look" and I have been surprised just how many models are interested in exploring the before tabu field of nude or erotic photography. I want the models to feel completely free exploring their their inner beauty and sexuality without fear of being criticized by their family or friends. Photo shoots can take place either in my studio or on location; it all depends on the model and what she is looking for as far as a finished product.
Unless otherwise stated by the model, ALL models I work with will remain completely anonymous, and neither their name nor Model Mayhem member ID number will be displayed in the Credits.
"As I have posted on Model Mayhem 'I won't shoot nude.' PERIOD! Even so; in the back of my mind it's something that I've always wanted to at least try. You gave me the emotional support and confidence to let me express my inner thoughts, feelings and desires and give it a try. Sorry if I may have shocked you. I know I even surprised myself!! TRUST is a big issue with me. That's one reason why I refuse to shoot nude with other photographers. I had a great time and sincerely thank you for a great photography experience. You're wonderful!
Name withheld at model's request. Tulsa, OK
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Options and Accessories (View All)
Marketing Information
Harness your vehicle's battery to efficiently power office equipment on the road or power tools at a work site. Continuously supplies up to 2000 watts of 120V AC power to 2 AC outlets from any 12V battery or automotive DC source. Frequency control locks AC output at 60Hz for operating stability of motor loads. Includes a set of high current DC input terminals for simple, permanent installation. Highly reliable large transformer design specializes in powering motors and other inductive loads with high-current startup needs.
General Information
|Product Type
|Power Inverter
|Manufacturer Part Number
|Manufacturer Website Address
|Tripp Lite
|Product Name
|PowerVerter Plus Inverter
|Brand Name
|Tripp Lite
Technical Information
|2 x NEMA 5-20R
|Plug/Connector Type
Power Description
|Input Voltage
|Output Voltage
|120 V AC �5 Nominal
|60 Hz �0.3%
|Waveform Type
|Pulse-width Modulated Sine Wave
Physical Characteristics
|Weight (Approximate)
|36.50 lb
|Package Contents
|Standard Warranty
|1 Year
This product is shipped only within Canada and Warranty valid for Canada only.
Computer Valley makes every effort to provide accurate specifications, descriptions, images and price on all products that are found on www.computervalley.ca
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Computer Valley wants to provide you with the best and fastest possible service. We try to ship in stock orders placed before 2:00pm EST the same day. For in stock orders placed after 2:00pm EST they are usually shipped the next business day. However there are always exceptions. Please contact us prior to placing your order if you need your purchase by a certain date.
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text:
HAIFA (Jul. 4)
The Greek schooner St. Nicola, which steamed boldly into the harbor yesterday flying the blue-white Zionist flag and carrying 697 Jewish illegal immigrants, including 470 men, 190 women and 37 children, was held under arrest in the port today pending instructions from the authorities in Jerusalem.
The 370 illegal immigrants captured off Gaza aboard the steamship Los Parlos on Sunday were interned in the Jewish Agency's immigrants' hostel in Haifa and will probably be released in a day or two.


text:
Despite Masterfoods' reassurances that an operating review was not focused on Slough (Food Manufacture January, p13), it will cut 500 jobs there with the closure of the Liverpool Road factory. It will cut 200 other jobs in the UK, 120 in Germany and 250 in France.
It will switch production of Twix bars from Slough to France and Germany and Starburst sweets to the Czech Republic. It will invest euro 26m over the next two years at its Dundee Road factory in Slough, which makes Mars bars, Maltesers and other confectionery.


text:
$160.00 10 months ago
Sony Xperia Z tablet 16GB - $160 (Moscow)
Selling my 2013 model Sony Xperia ZI used this while I was in college but I graduated so I have no need for it anymore. I took a great care with it. Fully functional. Red case are free! 160$ firm please! Replaced new waterproof plugsSpec:Sony Xperia Z SGP311U1/B 10.1-Inch 16GB Tablet (2013 Model)Android 4.1 Jelly Bean, 10.1 inches DisplayQualcomm Snapdragon S4 1.5 GHz16 GB Flash Memory, 2 GB RAM M
10 months ago
Pullman, WA
$60.00 1 year ago
Sony Xperia Z Ultra C6806 Unlocked Cracked Screen (Tablet Phone) - $60
Phone has cracked screen. Comes with magnetic charger. Cracked screens- For repairs only.Brand SonyMPN XZUC6806BKNetwork UnlockedFamily Line Sony Xperia Z UltraModel C6806Type SmartphoneKey FeaturesStorage Capacity 16GBColor BlackNetwork Generation 2G, 3G, 4GNetwork Technology EDGE, GPRS, GSM, HSPA+, UMTSBand GSM/GPRS/EDGE (Quadband) UMTS/HSPA 1900/2100Style BarCamera Resolution 8.0MPMemorySupport
1 year ago
Worcester, MA


text:
Behance :: Action Pad
I'd marry pretty office supplies if I could
Turns your desk into a blooming garden.Tags: kids, home, humor, computers, computer accessories, office supplies, electronics, usb, technologyAdded 8 Years Ago from Gift-ideaz
I know these cute little guys are on thisnext in other places, but if you are making a list of cute bird things they need to be here :)Tags: kids, home, gifts, office supplies, japanese, storage, office, style, home decorAdded 8 Years Ago from Redstamp
This is so clever and I want it !Tags: office, black, organization, gadgets, desk, organizers, funny, design, weirdAdded 9 Years Ago from UrbanPeel.com
i have way too many friends that would be able to fill this bad boy up in no time.Tags: books, gifts, humor, accessories, office, mens, paper, organization, womenAdded 9 Years Ago from Urban Outfitters
Truth guys, truth! I have a bunch of documents that someday... I will organize.Tags: office supplies, office, work, paper, organization, graphic, personal, stationary, deskAdded 9 Years Ago from Greener Grass Design
Tastefully inappropriate, sure to earn a laugh or two...hopefully won't get you fired.Added 9 Years Ago from Urban Outfitters
Cables and cords no longer have be stuffed away and hidden thanks to think cute little bauble.Tags: home, gadgets, storage, accessories, office, organization, desk, organizing, funnyAdded 9 Years Ago from Shopmodi
i have the pink one! i got mine from fred flare and had a great experience with them cute and functional they just miraculously "stitch" the paper togetherAdded 9 Years Ago from Seejanework
What dad couldn't use an eight day week?Tags: home, office supplies, office, modern, stationery, mom, organization, notes, notebooksAdded 9 Years Ago from Seejanework


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text:
Turns Out Everyone Was Wrong About The Mike Vick Contract Situation, Eagles Can Take Their Time
What you have here is all the proof you'll ever need that journalists / media people don't read anything except what's reported by other journalists / media people. Hell, I'm doing it right now. If Jeff McLane is wrong, I'm wrong. But I'm not this time. Everyone else is wrong.
The story that the Eagles need to cut Vick within the next week to avoid paying him $3 million never was true since they only have to pay him that money if another team doesn't sign him for that amount. Somebody is going to pay Vick more than $3 million next year, because quarterbacks in the National Football League make more than $3 million. Especially those scheduled to make $15.5 million.
Should the Eagles give up on Vick and let him wander over to the Cardinals or Vikings or some other loser team? Sure — $15 million is way too high. But at least this gives Charlie Kelly a little more time to look at film and see if maybe Vick wouldn't be worth the price if he could run some unstoppable triple option with DeSean Jackson and LeHerps McDickDoctor. Or maybe Howie can work a trade. Anything's possible. We don't know anything about Chip and the team doesn't even have a Defensive Coordinator yet.
Regardless of what happens, Mike, at least we'll always have that Redskins game.


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|You are in: UK Politics
Monday, 28 January, 2002, 08:27 GMT
UK 'to expel Afghan asylum seekers'
Britain may shortly begin ordering thousands of asylum seekers back to Afghanistan, according to a home office minister.
However the Refugee Council, an independent body which campaigns for the rights of refugees, said Afghanistan was still too unstable for Britain to consider a radical change in its asylum policy.
Afghanistan provides the most asylum seekers coming to Britain each year, according to government figures.
Between July and September last year, more than 2,500 Afghans sought refuge in Britain.
'Nation building'
"Afghans, month in, month out, are in the top three of people coming here to claim asylum," Lord Rooker told the newspaper.
"Nine times out of ten, they are young, single men and they have been fleeing the Taleban.
"Well, the Taleban's not there anymore now are they?" said Rooker.
Asylum claims were being examined on a case-by-case basis, he added, using the same criteria employed to determine the status of refugees from the breakaway Yugoslav province of Kosovo.
"Most of them (Kosovars) have gone back.
"They have been returned because of stability and nation building. Afghanistan will be in that position," Lord Rooker added.
No one has been sent back to Afghanistan from the UK since 1978 as the country has been considered too dangerous and hostile.
Somalia is the second-largest source of asylum seekers with 2,265 applicants arriving in the UK last year and most were allowed to remain.
According to Lord Rooker, Britain is also "on the verge of being able to return people to certain parts of Somalia" because large areas of the country were now being run by "good local government".
See also:
21 Dec 01 | England
Asylum seeker's fight backed by minister
18 Jan 02 | UK
What next for hijack passengers?
Internet links:
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Top UK Politics stories now:
Links to more UK Politics stories are at the foot of the page.
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Red Wine Vinegar Health Benefits
Red wine vinegar is used in culinary dishes and also considered as a health food. Red wine is very much well known for the heart health benefits. Red wine vinegar has the ability to improve the heart health as well. Besides heart health benefits, it can also provide several other health benefits. Red wine vinegar is a very good source of phytochemicals and high in acetic acid. Another good thing is that red wine vinegar is low in calories. In addition, it is also low in sodium and carbohydrates. Studies showed that regular use of red wine vinegar in culinary dishes or salads can improve the overall health significantly.
Red wine vinegar helps in the absorption of the minerals. According to the studies, red wine vinegar improves the absorption of calcium. It is possible because of the acetic acid in red wine vinegar. Eating dark green vegetables with red wine vinegar helps calcium absorption. Normally, oxalates compounds of dark green vegetables reduce the calcium absorption in the digestive tract. But acetic acid in red wine vinegar lowers the oxalates effects and increases the absorption of calcium mineral. Red wine vinegar is also considered as a good food for the weight loss. It is low in calories and carbohydrates. In addition, acetic acid in red wine helps to reduce the body fat.
According to the studies, red wine vinegar can be a good food for controlling diabetes. It's very helpful to control insulin levels. Red wine vinegar is considered as a good food for the type 2 diabetes patients. It reduces glycemic levels and postprandial glucose levels very effectively. Red wine vinegar is good for the heart health. It can reduce the cholesterol levels. It has the ability to lower the triglyceride levels as well. Like the apple cider vinegar, red wine vinegar is also good for the cardiovascular health. Because of the anti-oxidant properties of red wine vinegar protect heart from heart disease. Red wine vinegar is also very good for controlling blood pressure levels and it is helpful in reducing the blood clots as well.
Red wine vinegar can be used as natural remedies for skin and hair. It can protect from sunburn damages and help to remove skin blemishes. Acetic acid is very effective to fight skin infection; it can really make the skin healthy. Consuming red wine vinegar and applying it externally, both can contribute to healthy skin.
Those are the health benefits of red wine vinegar and acetic acid in red wine vinegar. No doubt, it is good for the health but if you want to use it to treat serious health problems (such as diabetes and heart disease), you should consult healthcare professional before start consuming red wine vinegar.


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Low-volatility exchange traded funds managed to gain $4.6 billion in new inflows last year and are showing no sign of slowing down. Stock market volatility has been lower in recent months, but investors are still weary and ready for any market uncertainty as the sequestration deadline looms.
"The effects of the 2008 and 2009 time period are still ringing through to investors' perception of historical returns and future returns," David Mazza, head of ETF investment strategy for the Americas at SSGA, said in a recent Ignites.com report. [PowerShares to List Small-and Mid-Cap low-Volatility ETFs]
"We see clients are increasingly interested in the upside participation that comes with investing in equities but also have an eye on downside protection. So they are looking for and embracing a return pattern that has less volatility," he adds. [Low Volatility ETFs are the New Black]
ETF sponsors are well aware of the popularity that low-volatility products are experiencing. For example, both PowerShares and State Street Global Advisors have rolled out new low volatility ETFs that join existing line-ups. The growth opportunity that these stocks give clients are risk-adjusted, so those who have low tolerance can sleep at night should the market swing. [Where to Find Yield in ETFs with Less Risk]
The upside of low volatility stocks is that investors still get to gain from any potential run-up. The downside protection is what investors are after, whether it is in their heads or in the markets. [Low Volatility ETFs: Small and Mid-Cap Funds on Tap]
However, recent research suggest that low volatility portfolios outperform higher volatility portfolios over the long term, reports Jackie Noblett for Ignites. Furthermore, S&P summarized the existing research and tested its own strategies. Results indicated that low-volatility strategies had better risk-adjusted returns over 10, 15, and 20-year periods, but performance was mixed over shorter time horizons.
The VIX volatility index reflected that overall stock market volatility was three times higher post 2008 credit crisis and after the 2011 U.S. credit rating downgrade.
The latest low-volatility ETFs to launch:
- PowerShares S&P MidCap Low Volatility Portfolio
- PowerShares S&P SmallCap Low Volatility Portfolio
- SPDR Russell 1000 Low Volatility ETF
- SPDR Russell 2000 Low Volatility ETF
PowerShares S&P 500 Low Volatility ETF
Tisha Guerrero contributed to this article.
The opinions and forecasts expressed herein are solely those of Tom Lydon, and may not actually come to pass. Information on this site should not be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any product.


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BREAKING: Martin O'Malley Suspends Campaign
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text: Rixton Official Facebook [ Rixton Releases New Single, 'Wait On Me' [LISTEN] By Chandelle July 27, 2014 Come and get your boyband fix! Read More Category: What's New Tags: BoyBand, new music, Rixton, Single Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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Some things are more family friendly when done on a smaller scale, such as playing golf or sinking battleships. Enjoy an activity at its optimal size with this Groupon. ####Choose from Three Options $6 for mini golf for two (a $13 total value)
- Two rounds of mini glo golf (a $6 value)
- Two Melting Moments specialty ice creams (a $7 value)

$12 for mini golf for four (a $26 total value) * Four rounds of mini glo golf (a $12 value) * Four Melting Moments specialty ice creams (a $14 value)

$18 for mini golf for six (a $39 total value) * Six rounds of mini glo golf (an $18 value) * Six Melting Moments specialty ice creams (a $21 value)

Dietz Creek Golf Range located next to Christians' Greenhouse in Williamston and is open on Monday–Friday from 3 p.m. to 7 p.m., and on Saturday and Sunday from noon to 7 p.m.

Dietz Creek Golf Range
Dietz Creek Golf Range promotes on-course improvement with a multifaceted golf practice and service facility. Flush drives pierce the atmosphere above the course's 300-yard driving range, where grass tees accommodate those who prefer a natural feel and turf mats cater to pacifistic 5-irons who consider divots barbaric. To fine-tune their short-game feel, players can chip balls at the short-game area or splash them out of the practice bunker. Inside, the darkened wonderland of Dietz' Creek's glo golf course invites guests to steer orbs across a black-lit circuit of rail-lined corridors teeming with obstacles including tricky ramps, a loopty loop, and swooping pterodactyls.


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|Home Software category Just in softwares Submit a program Contact us Link to us
Home > Security & Privacy::Other > Google Chrome Password Recovery 1.0.4
Google Chrome Password Recovery 1.0.4
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Size: 2273 KB
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Release Date: 2012-02-16
Screenshot URL: http://www.xaviware.com/img/pwdchr.jpg
Category: Security & Privacy::Other
Google Chrome Password Recovery instantly retrieves the login and password information user accounts stored in Google Chrome. You only have to open the program, and pulse on the icon "Recover Passwords". that simple. In synthesis, a tool that can take us out of a difficulty in more than an occasion. The current version of Google Chrome Password Recovery will run on Windows XP, Vista and Windows 7. Trial period is endless.
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Some guy calling himself "The Man" has posted what he says are Metroid Prime 3 early development screenshots from the Revolution. Personally, I am 99.9999999% sure that these are from a live action commercial/trailer for Metroid Prime. You guys can feel free to debate where the shots come from, or you can head over to "The Man's" blog and give him a piece of your mind. Check out the screens below, or click the link to head to his blog.
Today's VIP
Joined: October 2016


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The medieval-era roundup of the seven deadly sins compiled by the Catholic church listed greed, gluttony, lust, envy, sloth, wrath and pride as our downfalls. Fast-forward to today, and many of the same vices prevail.
Companies in the businesses of alcohol, smoking, gambling and the like are practically bear-market-proof.
For example, consider mutual fund Vice Investor (VICEX), with top holdings in sin stocks related tobacco, gaming and alcohol. It has outperformed the S&P 500 over the past three years.
Here are seven sizzling stocks that add a whole new twist to behaving badly:


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BERLIN (Jul. 4)
An anti-Semitic measure going back to the Middle Ages which provides that the Jews must pay a special tax instead of being enrolled in the army, was proposed in a radio address by the Hitlerite Deputy Hierl.
Hierl is scheduled to be the future Commissar of Labor and Army Conscription should the Nazis take over the power.
"Military service is an honorary duty which the Jews should not share," the Nazi said. "Instead they should pay a special tax consisting of ten percent of their income until they reach the age of fifty.


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We saw this Bugatti Veyron (& Shelby GT500 Super Snake) in Zandvoort (from an event) and we followed them on the Highway in The Netherlands! You can also see the Veyron tailgating, it looks awesome! The driver was NOT the owner, he borrowed the Veyron
Bugatti, Veyron, EB, 16.4, engine, exhaust, sound, acceleration, accelerate, chasing, tailgating, crash, top, gear, fifthgear, super, sport, grand, review


text:
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Goldwater warnings resonate
It seems long ago since we had a president with business experience. (It wasn't so long. George W. Bush, like his dad before him, was an oilman.)
But how's this for a vocational qualification to lead us all?
"I went to work part time in the store when I was in about the seventh grade, and to work permanently in 1929 (at age 20)."
The store wasn't your average mom 'n' pop shop. It was the major department store of Phoenix. Barry Goldwater put in 23 full-time years there (interrupted to fly planes in World War II) advancing from floor salesman to company president.
"I learned in my formative years," the retailer who became a five-term United States senator and Republican presidential candidate wrote, "that the American economic system could only work well, and at its best, when unhampered by government and controlled only by the marketplace."
The store grew to a chain of five, selling out to Associated Dry Goods Corp., onetime parent of Pittsburgh's old Joseph Horne Co. The boss got into local reform politics.
He had no illusions that the business world was peopled by saints. But liberals who'd put government in charge of industry "suffer from an absolute lack of knowledge of how this system works," he said.
He never got to be president. Democrat Lyndon Johnson swamped him by 16 million votes in 1964.
But Goldwater, who died at 89 in 1998, comes across as uncannily prophetic in letters, speeches and diaries. (A tireless sort, he was a published photographer who exhibited in hundreds of shows; a travel lecturer; a lifelong ham radio operator; and an outdoorsman and whitewater rafter.)
Some of his best writings enliven "Pure Goldwater," a 2008 book compiled by son Barry Jr. and Washington veteran John W. Dean.
"I don't think I ever felt so downcast walking home," he said about talking to 25 young people at a war protest, "thinking of the ignorance of these kids. And I was even more worried about the lack of knowledge of their parents, and the reluctance of their schools to teach about the workings of the Constitution." This was not 2013, mind you, after a 10-year war, in a weak economy, and with what he'd see as socialized medicine coming down the pike; it was 1971.
Goldwater saw the New Deal of the 1930s infecting both parties with unwarranted faith in big government as the solution to social inequities. He warned against the power of organized labor to swing elections, even before the full flowering of unions. Meanwhile, "businessmen have become nothing but weak-kneed, afraid to even voice their own opinions."
He learned that "you can't run government like a business," though good business practices could improve many a government program — "and we can balance the budget." How he'd love trillion-dollar deficits.
In his view, politicians who "think only of what can be given to people that might gain them votes" are today's captains of industry — by default. And this in the 1970s: "American industry and business and American genius no longer speak out with the authority they did when they were making this country the greatest in the world."
Can't say we weren't warned.
Jack Markowitz is a Thursday columnist for Trib Total Media. Email him at email@example.com.


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Obama gets lowest share of the Penn-Trafford presidential vote since 1996
Although incumbent Democrat Barack Obama won the state's 20 electoral votes and a second term in the White House, local voters continued their trend of favoring Republican presidential candidates.
The Penn-Trafford communities opted for challenger Mitt Romney over Obama by a rate of slightly more than 2-to-1.
Among local voters, 67 percent — 9,292 people — favored Romney. That's the highest percentage of the local vote for a presidential candidate in the past five presidential elections.
Obama's share of the local vote — his 4,427 votes equal 32 percent — was the lowest percentage that any presidential candidate received in the Penn-Trafford area during the last five presidential elections. He also posted the second-worst showing in the area over that span, with a 34.6-percent share of the 2008 vote.
This year, Libertarian Gary Johnson received 101 local votes and Green Party candidate Jill Stein received 30 local votes. Their combined total accounted for just shy of 1 percent of the overall vote in Manor, Trafford and Penn Township.
Romney won all three communities. Obama's highest rate of support — 40.5 percent — came from Trafford and his lowest rate of support came from Penn Township, with only 30.6 percent of township residents supporting the incumbent. In Manor, he garnered 33.6 percent of the vote.
Romney's share of the community vote was 58.1 percent in Trafford, 68.4 percent in Manor and 68.5 percent in Penn Township.
A total of 13,801 people — 300 fewer than in 2008 — from the area cast ballots in the presidential race. With 18,081 eligible voters, that translates to an overall turnout rate of 76 percent, according to data from the Westmoreland and Allegheny county election departments.
Here's a look at the breakdown of local votes in the past five presidential elections:
1996: Bill Clinton, 38 percent; Bob Dole, 50 percent *
2000: Al Gore, 40.2 percent; George W. Bush, 57.6 percent *
2004: John Kerry, 36.3 percent; George W. Bush, 63.2 percent
2008: Barack Obama, 34.6 percent; John McCain, 64.4 percent
2012: Barack Obama, 32 percent; Mitt Romney, 67.3 percent
* The 1996 and 2000 percentages do not include votes from the Allegheny County sliver of Trafford, but their omission is not statistically significant. In the past three elections, Trafford residents in Allegheny County cast 35, 35 and 33 votes.
Brian Estadt is a news editor with Trib Total Media. He can be reached at 412-856-7400 or firstname.lastname@example.com.


text:
Jacob Sneed's first foray into the realm of bargaining with the Devil seemed fruitless—yet as his traveling carnival teetered on the brink of bankruptcy, Sneed faced little choice other than to beg the Prince of Darkness to save his doomed festival-on-wheels. But what possible use could the Devil have for pathetic Sneed or his carnival? None—or so it appeared. The diabolical chief of the demons denied his request, leveraging the weak mind of Sneed and driving the pathetic has-been of a businessman to slash his own throat. But Lucifer, the master of deception, knew what he was doing. Upon Sneed's death the Devil reconsidered, bestowing immortality upon the unsuspecting Sneed. Of course, this came with a price… all bargains with the Tempter must come with a price. Though now enslaved to the Devil, Sneed reluctantly has accepted the dictates of his covenant and has embarked upon his CHAOTIC CARNIVAL OF CHAOS FROM TOWN TO TOWN BEGINNING WITH YOURTOWN, where he has commenced the gathering of helpless souls for the Devil. So enter SINISTER SNEED'S CHAOTIC CARNIVAL OF CHAOS at your own risk and relinquish the notion that you will ever return home. Simply accept the joyless dread that your dwindling days of life now offer, as your exit IS NOT GUARANTEED!!!!!
Welcome to MILLER'S MILL family campground, a summertime dreamscape set deep in a lush wooded forest of the Jersey Pine Barrens — or so the tainted remnant of the House of Miller would have you think. Something here at MILLER'S MILL is amiss, though anyone — indeed, everyone — who has ever come to this reprehensible conclusion never returns to society to share such a revelation… Campers are disappearing… The bodies that have been found, by all appearances, seem to have been skinned alive!Rumor has it that a backwoods family of inbred mutants are kidnapping the campers and bringing them to a CHOP SHOP hidden within the clan's compound. Here the campers are subject to unspeakable torment, where still-conscious victims witness in anguish the extraction of each others' body parts which before their plagued eyes these human scraps are haplessly hung from ancient trees as trophies… NO ONE ESCAPES THE FAMILY ALIVE!!!!!


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found a new home!
Plenty of my friends are looking
for one too. Find a pet to adopt.
These cuties are ready to go home.
BELLA has been spayed, tested Negative for FeLV & FIV, current on her shots and has been treated for fleas & parasites. You may adopt BELLA at our Cat Adoption Show held every Saturday & Sunday from 11am-5pm at Walnut PetSmart, corner of Grand Ave. & Valley Blvd.
BELLA, a Diamond Bar Domestic Shorthair kitten was adopted! Here's how you can benefit by looking at adoption as an option to buying a Domestic Shorthair for sale in Diamond Bar, or seeking a Domestic Shorthair kitten from a breeder in Diamond Bar.


text:
Eye-Strain on LCDs is a Myth (or missunderstood)
View Single Post
Posts: 227
Karma: 1591305
Join Date: Nov 2008
Location: Savannah, GA USA
Device: Kindle Paperwhite 2, Aluratek Libre Pro
While it is true that eye fatigue when using LCD screens is caused MOSTLY by the three factors that were laid out in the original post and that you can still get eye fatigue using an e-ink device (too small of a font can easily do it), the thing that is more or less left out is that even with the correct use of an LCD screen you are still more LIKELY to develop eye fatigue when looking at an LCD screen than when looking at an e-ink screen.
If you reduce the intensity of the light coming off of an LCD it can become more difficult to see the screen, and while altering the properties of home computers is not only possible, but also a good idea, this is not always the case with work computers, public computers, and other LCD screens.
The fact is that while we are constantly inundated by LCD screens in day to day life some of us prefer to take a break from all of the different light and glare levels and just relax with something that does not have as much possibility of harming the sorely abused muscles, ligaments, tendons, and nerves used to focus the eyes, and to correct our posture.
Let's also not forget one of the other advantages of e-ink: battery drain is minuscule. I love the fact that I do not have to charge up my device constantly and that if I go a few days without using it that it will still be good to go when I power it on. It was one of the big draws to e-ink devices for me.
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Jaipur, July 15 (IANS) A MiG-21 Bison fighter of the Indian Air Force (IAF) crashed Monday while landing at Uttarlai airbase in Rajasthan's Barmer district, killing the pilot, an officer said.
The aircraft crashed at about 9.30 a.m. and the pilot "suffered fatal injuries", the officer said, adding the aircraft was on a routine training sortie.
No loss was reported to civilian life or property.
"A court of inquiry has been ordered to ascertain the cause of crash," defence ministry spokesperson Colonel S.D. Goswami said.
This is the second incident of MIG crashing after taking off from Uttarlai airbase in over a month.
A MiG-21 aircraft had crashed June 7 after taking off on a routine training sortie from the airbase. However, the pilot had ejected safely.


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Demonstrating the power of rising home prices, the number of underwater homeowners has dropped below 10 million for the first time in more than at least three years, reports USA Today's Julie Schmit
Nationwide, 9.7 million, or 19.8 percent of homeowners with a mortgage, owed more on their homes than they were worth as of March, says market researcher CoreLogic.
That's down from 12.1 million at the end of 2011, just as home price gains were kicking off in many markets.
All told, the nation's negative equity decreased more than $50 billion to $580 billion as of March, down from $631 billion in December, CoreLogic says.
Rising home prices, up 12.1 percent in April year-over-year, have lifted 1.7 million home loan borrowers above water in the past year, the data show.
If prices continue to rise, more borrowers will likely list homes for sale. That will moderate price gains in many of the fast-appreciating markets, says Mark Fleming, CoreLogic chief economist.
The declining ranks of underwater homeowners are a plus for the economy. Borrowers with equity in their homes are less likely to default on those loans, they're more avid spenders and they're more able to sell homes and move to other locations to pursue job opportunities, says Mark Zandi, chief economist of Moody's Analytics.
With so many borrowers remaining underwater, "We still have a long way to go but we are making quick progress," Zandi says.
As homeowners gain equity in their homes, they can also refinance and take advantage of lower interest rates to reduce their mortgage costs, says Christopher Thornberg, economist at Beacon Economics. Those people then have more money to spend on other things.
As of December, 45 percent of homeowners with mortgages still had loans with interest rates above 5 percent, CoreLogic data show. The monthly average rate on a 30-year, fixed-rate loan has been below 4 percent since late 2011, Freddie Mac data show.
States that suffered the biggest run-ups in home price gains — then fell hard after the housing bubble burst — still lead in terms of underwater borrowers.
As of March, Nevada had the highest percentage of mortgaged properties that were underwater, at 45.4 percent, followed by Florida at 38.1 percent . Michigan, Arizona and Georgia round out the top five, all over 30 percent.


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A glut of graduates has devalued this degree, write Leon Gettler and David Elias.
The first rule of business - supply and demand - is finally catching up with the business of business education.
After a dream run that has lasted in some instances for nearly 40 years, graduate schools offering the glittering prize of a Master of Business Administration are facing the crunch.
The problem: too many of them, too many ways of getting them and not enough specialist teachers to maintain standards. The result: graduate business schools are now graded according to quality and price.
The gradings do little more than highlight discernible differences in the standards of the various MBA production lines. It all leads to one conclusion: the currency is being devalued.
The trend was spotted nearly a decade ago by a government task force on leadership and management skills.
Since 1989, when the Department of Education Science and Training began collating figures, the number of graduates completing MBA courses each year has increased twelvefold, from 535 to 6455, and business education has become a $150 million a year business.
The places that churn out the most tend to be the cheapest and not necessarily the best. Sydney's University of Technology was the most prolific, with 510 students completing the $32,000 course last year. Next was Charles Sturt University in Bathurst with 450 ($11,400); the University of Western Sydney, 420 ($23,400), and the University of Southern Queensland 420 ($12,780).
Every university in Australia has a business school and 38 of them offer MBAs, some for as little as $11,400 and others for nearly $50,000 which is barely half the price graduates pay to join an MBA stream in most of America's Ivy League universities.
The difference is in the quality of the lecturers. The four schools most highly rated by the Australian Financial Review's Boss magazine charged the highest fees and employed the highest percentage of teachers with PhDs. These were The Australian Graduate School of Management at the University of NSW (fees $44,100, PhDs 96 per cent), the Macquarie Graduate School of Management ($37,600, 92 per cent), the Melbourne Business School ($48,000, 94 per cent) and Monash University ($33,000, 90 per cent).
However, the percentage of PhDs falls to 30 per cent at Charles Sturt and Western Sydney, and a mere 16 per cent at UTS Sydney.
The Boss survey found that almost all the staff at nine schools had at least one year's business experience.
Paul Rizzo, a former Telstra CFO now dean of the Melbourne Business School, says the school tries to recruit the best available, which means hiring many teachers from overseas for whatever period they can get; a year, a term or even six weeks for a visiting professor.
Sue Bennett-Williams, who runs the MBA program at the Australian Graduate School of Management, says funding changes confronting universities now will trigger consolidation. "Business schools will have to be savvy and smart but they will also have to know how they deal with competing in the market place," she says.
This raises one important question - what is an MBA worth?
London's Financial Times index of the world's top 100 MBA programs shows salary increases of 86-227 per cent on qualification. It also shows that up to 90 per cent of the new MBAs get a job within three months.
However, a check of Australia's top 20 companies shows only four chief executives and only 27 directors have MBAs and only eight on the BRW Rich 200 list.
There was once a time when an MBA automatically put a graduate on a fast track up the executive ladder. Now there is a queue for managerial positions. Companies more than ever expect to employ MBAs in jobs where mere graduates were once considered sufficiently qualified.
According to two damning reports from the US, the home of the MBA, the piece of paper is worth less than many think.
Stanford University management professor Jeffrey Pfeffer analysed 40 years of data and found little evidence to show an MBA delivered higher salary, better career or stronger business.
As one researcher told Professor Pfeffer: "I have never found benefits for the MBA degree - usually it just makes you a couple of years older than non-MBA peers."
The US Association to Advanced Collegiate Schools of Business (AACSB) says the shortage of quality teachers is a problem.
Because there are not enough PhDs to teach an ever-increasing population of students, competition between universities has forced them to pay higher fees to attract and keep teachers.
Universities, business schools and non-profit organisations must also compete with non-degree education provided by companies. There are 1200 corporate universities in the US, like the famous McDonald's University. IBM for example spends $US2 billion ($2.9 billion) a year in this area.
Last week Australia's biggest retailer launched the Coles Myer Institute in partnership with Deakin University to provide training for 165,000 staff, ranging from customer service to MBAs.
According to the AACSB report, tenure issues in schools and universities have discouraged experts so that in MBA programs they find finance professors who have never negotiated a deal, people teaching leadership who have never run a business and marketing professors who have never built a brand.
"Students learn to talk about business, but it is not clear they learn business," Pfeffer says.
This has also resulted in a proliferation of short business courses, now seen by many managers and bosses as more focused and cost-effective than an MBA, and is the fastest growing postgraduate business education sector in Australia.
Sarah Kearney, managing director of organisational psychology firm SHL, says employers rely too much on academic performance when screening candidates. The problem, she says, is that studies show that education has little to do with how well people do their job.
"You could have the best degree in the world but that's not necessarily going to predict your success in the role," she says. "Different organisations have different values and role criteria and no university can cover off on all of them."
The question of an MBA's value is not only about whether it will make someone a better business leader. Working with others on projects in a close environment gives people contacts that take years to accrue. Employers can be justified assuming that someone who has studied, and in many cases paid for their own tuition, is motivated, talented and ambitious.
Bruce Abbott, the managing director of global headhunter Boyden, says MBAs can be a good guide for selecting job candidates, simply because the experience has opened the student's mind.
"It does give me a little more confidence that the person is a bit broader and is reasonably intelligent," Abbott says.
Having solid knowledge of mutual fund performance through the economic cycle, a solid grasp of risk arbitrage in takeovers and detailed understanding of risk in fixed-income hedge fund strategies will not in themselves produce successful careers or business practice.
What's important, say MBA defenders, is how well students can apply what they learn. This is not something professors can teach. In the end, it boils down to the ability of the person getting the information.
Paul Gibson, who co-ordinates the doctoral program in business administration at RMIT, concedes that the proliferation of MBAs and MBA-type courses has undermined the qualification's impact.
But he says there is more to a business school education than the curriculum.
"With any currency, when you flood the market, there is a devaluation but the analogy with financial markets breaks down because an MBA doesn't just exist to move people through an organisation," Gibson says. "It also exists to provide intrinsic value, not just market value."
Gibson lectures in business leadership but has never led a business. To address this, he brings in guest speakers who have.
"There is a difference between researching what works and why it works and someone who is able to say, 'In my experience, this has worked for me'."
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Engagement: After your first visit you will receive a personal treatment plan that includes your Chinese medical diagnosis and treatment principles, number of necessary visits, herb and supplement recommendations, and additional referrals to reach your health goals. This is a living document and I will follow up with you weekly to make sure we are meeting its goals. With it, you will have a greater understanding of your patterns of imbalance through the wisdom of Chinese medicine with personalized tools for self-care and long-term wellbeing.
Cozziness: Your comfort is extremely important. The treatment rooms are warm or cool if needed. The massage table is extra wide and covered in a soft padding and clean white sheets. There is a heat lamp for your feet or low back. You have a bell you can ring if while you're resting you need me. Most importantly, I only use highly polished extra thin flexible solid needles so that acupuncture is as pain-free as possible.
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Are Adjustable Rates worth the risk?
Today's Low Interest Rates and Healthier Housing Markets Are Prompting Wealthy Borrowers to Stick With Variable-Rate Mortgages After the Fixed-Rate Period Ends
Wealthy homeowners are discovering the upside to notorious adjustable-rate mortgages: big savings.
Most ARMs are originated with a fixed interest rate that lasts a few years before it becomes variable, then typically changing once every 12 months. But now, more jumbo borrowers are sticking with their adjustable rates after the initial fixed-rate period ends rather than refinancing into a new loan. The savings over time can be significant, since variable rates have been lower than fixed rates a homeowner who refinanced...


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Tatts TV is back with a new chapter and a few surprises, so check out, what Angry will tell you about his upcoming book, DVD plans and the memories of Pete Wells!
Geordie´s back! So take a look on the new and old Tatts bass player in Chapter 7 of Tatts TV when he talks about getting back, getting sacked and getting a beer!


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It's that time of year again -- senior thesis drafts (35 of them, but who's counting), one committee meeting after another, fatigue in the classroom, yada yada. Anyway, we'll do our best to keep the blog up through this least wonderful time of the year. Thanks to Chris for his mega-post on recent books on Methodism, and for today, some odds and links ends for you to explore. We'll get back to more substantive blogging soon we hope.
has found a Paul Revere engraving -- of Christ being baptized by immersion. A win for the Baptists!
John Fea reports on his weekend trip to Notre Dame's Cushwa Center and discussion there of his book Was America Founded as a Christian Nation?
And speaking of which, our blog contributor Kathy Sprows Cummings has been named new Director of the Cushwa Center -- congratulations to Kathy!
(While we're on congratulations, a big one to John Turner, who will be accepting a position next year in the Department of Religious Studies at George Mason University, and awaiting the imminent publication of his biography of Brigham Young!. Way to go, John!)
Another luminary at the Cushwa Center, Timothy Matovina, has his work Latino Catholicism: Transformation in America's Largest Church, reviewed very thoughtfully by Sean Michael Winters at The New Republic. A little excerpt, of note:
The historical experience of Latino Catholics was, in some ways, the reverse of what later European immigrants experienced. The nineteenth-century Irish and German immigrants left their homelands to come to America, but according to Timothy Matovina "the first large group of Hispanic Catholics became part of the nation during that same era without ever leaving home, as they were incorporated into its boundaries during U.S. territorial expansion into Florida and then westward." Additionally, when restrictive immigration laws in the 1920s closed the doors to Europe, the Mexican Revolution initiated the first large-scale immigration of Latinos across the border into the United States. In the post-World War II era, "waves of Hispanic immigrants have comprised an increasingly significant portion of what was purportedly an established, Americanized, post-immigrant church."
In his new book on Latino Catholicism, Matovina argues that American Catholics must reclaim this Latino Catholic history not only because it is true, but also because understanding it will help the Catholic Church come to grips with the enormous demographic fact facing it today: according to the most recent national survey, 45 percent of all Millennial Catholics, those born between 1979 and 1987, are Latino. The largest archdiocese is no longer New York or Chicago, but Los Angeles with four and a half million Catholics. Indeed, if you created an archdiocese that only included the three million Latino Catholics of Los Angeles, it would still be the largest in the nation. Within a very few years, the Catholic Church in the United States will be majority Latino.
Meanwhile, Kevin Schultz's Tri-Faith America gets a substantive review by Fred Beuttler over at U.S. Intellectual History.
Immanent Frame has more good stuff than I can keep up with, but here are two to recommend: Evan Haefeli "The Problem with the History of Toleration," which reflects on the "new history of toleration" in both European and American religious history; and Jason Bivins, "Get It On," which reflects on the experimental project freq.uenci.es. Jason writes:
Duke Ellington once responded to an Icelandic student's overly serious question about "art music" by reaching into his pocket and unwrapping a pork chop he'd stashed there. This is a gesture that does what words cannot. And something about the "spiritual," with no stable referent available to us, invites us to think about improvisation. What if we were to propose only in sound, not trying to recreate its sensualism through our words or document its structure but to offer sound and nothing more? Is such confidence in sound's power, or submission to its inevitable disappearance, the spiritual?
And he concludes: "Spirituality" may be a category unable to escape its over-determination, no matter the beauty or sizzle an author intends. But in the very "ugliness" of its inevitable frames we might find the questions that bother us.
Which makes me all the more pumped for Season II of Treme, finally available for us cheapos via Netflix this week. I may be alone in being excited about watching the season, the show generally being viewed as a dramatic letdown compared to David Simon's previous epic venture, The Wire. That it is, and yet, appropriately for its subject, the music (rather than the plot) is the message, saving Treme from mediocrity through its evocation of New Orleans musical legacies, from the Mardi Gras Indians to Dr. John to the Rebirth Brass Band to Kermit Ruffins to . . . countless others. This brings me to the final link, related to religion in American history tangentially perhaps, but a brilliant piece and certainly related to "spirituality": "The Privileged White Men of Treme, and their Hard-Working Others," at the blog zunguzungu (the author is one of those who lost interest in the show, but thankfully, not before producing this little blog masterpiece). Those interested in the show, you must read this for some tremendous reflections on the meaning of the work of Albert Lambreaux (played by Clarke Peters, fresh from his memorable role as Lester Freamon on The Wire). You can watch a little excerpt of Clarke and his crew of Indians in action here.The rest of you have plenty to read above.


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Busted! 'World Of Warcraft' Gamer Gets Caught Having Sex On Cam
An online gamer broadcasted a lot more than he planned to, after getting caught with his pants down for the entire gaming community to see.
After a session of the popular online RPG World Of Warcraft, the gamer decided to get it in with his girlfriend. He just made one "minor" mistake: he never turned off the camera! In the words of World Of Warcraft's well-known abbreviation, wow.
See more of this embarrassing mistake in the video below:


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|From: Noel Welsh (noelwelsh at gmail.com)
Date: Mon Feb 16 07:50:23 EST 2009
On Mon, Feb 16, 2009 at 5:04 AM, e <eviertel at gmail.com> wrote: > is something like this an acceptable approach? ... > > (define (make-array-2d size initial) > (make-vector (* size size) initial)) > > (define (array-2d-ref array size row col) > (vector-ref array (+ (* row size) col))) > > (define (array-2d-set! array size row col value) > (vector-set! array (+ (* row size) col))) Yeah, that is a pretty standard solution. If you aren't doing this just as a learning exercise look at the matrix package on planet by Will Farr. N.
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Abstract: For our 16th anniversary edition, we have produced three short video tutorials on how to build your own CircularArrayList in Java, based on the AbstractList.
Welcome to the 243rd edition of The Java(tm) Specialists' Newsletter, sent to you from Crete. 16 years ago to this day, I sent out my first edition. My colleagues laughed at me. Hubris, one of the three "great virtues" of a programmer, together with laziness and impatience, has always been mine in abundance. After all, who dares to call their first edition "The Java(tm) Specialists' Newsletter"? And yet, it was with fear and trepidation that I clicked send to 80 Java programmers I had gleaned from my address book.
To celebrate our 16th anniversary, I've produced three video tutorials to show you how to write your own ArrayList and to then make it circular. We end off with a demo of how to test the code more thoroughly using reflection.
NEW: Refactoring to Java 8 Streams and Lambdas Workshop
Are you currently using Java 6 or 7 and would like to see how
Java 8 can improve your code base? Are you tired of courses
that teach you a whole bunch of techniques that you cannot
apply in your world? Check out our one day intensive
Refactoring to Java 8 Streams and Lambdas Workshop.
In this first episode, we code a simple ArrayList in under 10 minutes in preparation for a more complicated episode 2, where we code a CircularArrayList. We use the Apache Commons Collections test cases to ensure that our code is hopefully correct. All we need to do is override 5 methods from AbstractList.
We now expand this by adding a "head" field to our class. This allows us to wrap the elements around the array, hence our name CircularArrayList. It also means that we can add/remove from both ends of the list in constant time.
Our end result is not thread safe. If you need fast thread-safe queues, check out Nitsan Wakart's JCTools, where you can find all sorts of interesting queues like single or multiple producer/consumer, bounded or unbounded, depending on your particular requirements. His work is based on Martin Thompson's Mechanical Sympathy.
Java reflection belongs in the toolbox of every Java programmer. In this tutorial, we look at how we used it to thoroughly test our CircularArrayList.
Please let me know if you liked the tutorials by leaving comments and following me on Vimeo.
Kind regards
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