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Where we've been
Interzum 2017
Arpa Industriale participates at INTERZUM 2017 with an important exhibition project, an interactive space to display new developments for the two souls of the company: Arpa HPL and FENIX nanotech matt material.
Arpa unveils a brand new material, new colours for FENIX NTM® and new developments in HPL. The HPL catalogue is enriched with the Interzum award winner "Losa" finish and a selection of exclusive decors. FENIX NTM introduces six new colours and widens its Solid type range. A new material is presented under the FENIX brand.
Cologne, May16-19
Hall 6.1 stand C018-D019
All the highlights of the event on our Social media
ALCHEMYX by FENIX NTM
Milan Design Week 2017
The Nanotech Matt material, inside the upstair loggia of Pinacoteca di Brera, reinterprets the iconic figure of the "wild card" through Van Orton Design's "pop" creativity.
The icon of the jester becomes a metaphor for FENIX NTM and the back of each card becomes a materic base of design elements made of the Nanotech material, depicting the "alchemy process" that brought them to life.
Pinacoteca di Brera
Upstairs loggia via Brera 28
April, 4th - 9th 2017 April, 7th Cocktail Party by invitation
10.30 am - 8.30 pm
Arpa Industriale will exhibit at SICAM 2016. An interactive space that shows the two souls of the company: HPL and FENIX NTM.
For Arpa HPL range:
"Losa", a new finish which is a tribute to the three-dimensional of the stone.
A selection of new décors will enrich the "Woods family."
A micro - collection of "Stucco" décors and a selection of "Metallic Oxides."
News also for FENIX NTM:
The nanotech matt material enriches its "Solid" range with three new thicknesses, available with matching cores for 13 out of the 15 FENIX NTM colours.
FENIX NTM Link, a compound solution made of ABS and FENIX NTM, designed for vertical applications which require a light material that is resistant to moisture.
On October 19 and 20, Arpa HPL and FENIX NTM will host a workshop dedicated to interior design trends.
Stay tuned!
Arpa Industriale and FENIX NTM will attend Architect @ work: a route of events dedicated to innovation in architecture and design.
The exhibit concept, which combines a parametric design with an educational wall, will cross the heart of Europe.
Architect @ Work Rotterdam. Stand 128.
14-15 September 2016.
At ARCHITECT@WORK, traditional aisles are transformed into lounge areas: places to enjoy a drink, to chat and to provide further explanation about innovative products, applications or services. In order to ensure the optimal contact between exhibitors and visitors, visitors are automatically led along a route that winds its way through small, uniform modules. All showcased products have first been approved by a judging panel of architects and interior designers.
FENIX NTM® will be showcased at stand 22.
Architect@Work Italy 2015
A@W MILAN is all geared up and ready to welcome you in our trendy, innovative and lounge-like atmosphere. Connect with over 140 leading manufacturers and distributors that showcase over 350 innovative products, materials or techniques. Furthermore this year's edition will focus on a very important topic: renewability, with seminars on the subject, a new and exciting materials curation by MATREC, art and the RE•ARCHITECTURE photo exhibit displaying re-integration projects from throughout Europe.
FENIX NTM® will be showcased at stand 148.
The Big 5
For over 35 years The Big 5 in Dubai has been home to the largest gathering of construction professionals in the Middle East.
Mebel 2015
Every year leading manufacturers, distributors, wholesalers, retailers, designers and other furniture industry professionals come to the Mebel show to exchange experience, demonstrate their achievements, innovations, and in vogue design, the latest materials, components.
The international meeting point for the wood-working industry and related sectors in Belgium.
100% Design London
100% Design is the largest and longest running contemporary design event for industry professionals in the UK, with 28,534 visitors in 2014.
Interzum 2015
In 2015 Interzum once again lived up to its reputation as the world's leading trade fair of innovations to provide inspiration to the industry with the trends displayed. More than 1,500 exhibitors from over 60 countries with their new products and solutions.
Arpa 60
Arpa celebreting 60 years. A successful history of innovation in interior design. Made in Italy.


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RW MIN 5 years ago
Chris Stewart has reportedly re-joined second division German club Eispiraten Crimmischau.
He had 11 points in nine matches with Crimmischau prior to agreeing to a lockout deal with Liberec in the Czech Extraliga. It isn't clear why he left the Czech League team, but he had only one assist in five games there.

subset: commoncrawl


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Representing future urban and regional scenarios for flood hazard mitigation
In this paper we analyse urban and regional growth trends by using dynamic spatial models. The objective of this approach is twofold: on the one hand to monitor sustainable development trends and on the other hand to assess flood risk in urban areas. We propose the use of future urban scenarios in order to forecast the effects of urban and regional planning policies. In the last 20 years the extent of built-up areas in Europe has increased by 20%, exceeding clearly the 6% rate of population growth over the same period. This trend contributes to unsustainable development patterns, and moreover, the exposure to natural hazards is increasing in large regions of Europe. The paper is organised in two parts. In the first part we analyse a study case in Friuli-Venezia Giulia (FVG) Region in northern Italy. We analyse several spatial indicators in the form of maps describing population growth and patterns, and the historical growth of built-up areas. Then we show the results of a dynamic spatial model for simulating land use scenarios. The model is based on a spatial dynamics bottom-up approach, and can be defined as a cellular automata (CA)-based model. Future urban scenarios are produced by taking into account several factors –e.g. land use development, population growth or spatial planning policies–. Urban simulations offer a useful approach to understanding the consequences of current spatial planning policies. Inappropriate regional and urban planning can exacerbate the negative effects of extreme hydrological processes. Good land management and planning practices, including appropriate land use and development control in flood-prone areas, represent suitable non-structural solutions to minimise flood damages. The overall effects of these measures in terms of both sustainable development and flood defence can be quantified with the proposed modelling approach. In the second part of the paper we show some preliminary results of a pilot study case. Two future simulations produced by the model were used for a flood risk assessment in Pordenone (one of the four provinces of FVG). In the last 100 years Pordenone has suffered several floods. The two major events were the heavy floods of 1966 (100-year flood event; >500 mm of rain in 36 hours) and 2002 (up to 580 mm of rain in 36 hours). The disastrous consequences of those heavy floods have shown how vulnerable this area is. The flood risk analysis is based on a hydrological hazard map for the Livenza River catchment area, provided by the regional Water Authority. That map covers most of flood hazard areas of Pordenone province. Early results of this study show that the main driving force of natural disasters damage is not only increasing flood hazard, but increasing vulnerability, mainly due to urbanisation in flood prone areas.
If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
|Date of creation:
|Aug 2005
|Contact details of provider:
| Postal: Welthandelsplatz 1, 1020 Vienna, Austria
Web page: http://www.ersa.org
References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- R White & G Engelen, 1993. "Cellular automata and fractal urban form: a cellular modelling approach to the evolution of urban land-use patterns," Environment and Planning A, Pion Ltd, London, vol. 25(8), pages 1175-1199, August.
- M Batty & P A Longley, 1986. "The Fractal Simulation of Urban Structure," Environment and Planning A, , vol. 18(9), pages 1143-1179, September.
- M Batty & P A Longley, 1986. "The fractal simulation of urban structure," Environment and Planning A, Pion Ltd, London, vol. 18(9), pages 1143-1179, September.
- M Batty & P A Longley, 1987. "Fractal-based description of urban form," Environment and Planning B: Planning and Design, Pion Ltd, London, vol. 14(2), pages 123-134, March.
- H Couclelis, 1988. "Of mice and men: what rodent populations can teach us about complex spatial dynamics," Environment and Planning A, Pion Ltd, London, vol. 20(1), pages 99-109, January.
- K C Clarke & S Hoppen & L Gaydos, 1997. "A self-modifying cellular automaton model of historical urbanization in the San Francisco Bay area," Environment and Planning B: Planning and Design, Pion Ltd, London, vol. 24(2), pages 247-261, March.
- H Couclelis, 1988. "Of Mice and Men: What Rodent Populations Can Teach Us about Complex Spatial Dynamics," Environment and Planning A, , vol. 20(1), pages 99-109, January.
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How closely do you try to match the diameter of the implant to measured BWD (Breast Width Diameter)? Within .5cm? 1.0cm? Do you ever go over, and if so, by how much? What other factors affect the match between Breast Implant diameter and measured BWD?
Rules for Matching Breast Implant Diameter to BWD?
Doctor Answers 7
Implant Sizing
Hope that answers your question.
Learn more: http://ocbreastaugmentation.com/
The implant diameter should not be bigger than the breast width.
Ideally, the implant diameter in breast augmentation should be about 1.0 centimeter less than the width of your breasts, to allow for the thickness of your tissues.
This can be exceeded a little bit, if you want to be larger. But the implant diameter should not be larger than the width of your breasts, because your skin would be badly stretched.
Breast implant diameter compared to BWI
There are many factors that go into the decision making process and cannot be boiled down to a simple formula. Generally I am willing to go up to the BWD if the paitient has more than a 1.0cm skin pinch as well as a relatively modest amount of breast tissue. In exceptionally thin patients I may go no larger than 1 cm less than the BWD to minimize visibility of the implant.
You might also like...
Chest anatomy
There is no hard and steadfast rule regarding base diameted and choice of implants but it does guide me to decide how wide the implant will look on the chest.
Learn more: http://www.stevenwallachmd.com
How to choose an appropriate sized breast implant
I think the diameter of the breast is a key factor in choosing an appropriate sized implant. All other measurements aid in this decision, but the main goal is to choose an implant that will "fit" in your current breast. That said, I stay as close to the breast diameter (within 0.5 cm) without going larger. Ultimately, it is the patients goals and willingess to compromise that yields the final implant size chosen.
Breast implant diameter matching with BWD depends
This usually depends upon the patient's other dimensions - height, weight, soft tissue thickness, etc All things do not easily reduce themselves to one measurement. The patient's desires regarding implant position can also come into the decision. Does she want fullness at the sides? Some do and others do not.
Breast implant sizing
Thank you for the question.
The more breast surgery I do the more I realize that there is no correlation between the size or model (profile) of implant used and resulting cup size. This may have to do with several factors including: the amount of breast volume the patient starts with, the shape of the patient's chest wall (concave or convex), the type and model of breast implant selected (saline/silicone and low/moderate/high profile), bra manufacturer variance in cup sizes, the degree of filling of the cup with breast tissue, and the subjective differences in patients perceptions of cup size.
Much of the final "look" achieved after breast augmentation surgery depends on several factors:
1. The initial shape, size (volume of breast tissue), symmetry of the patient's breasts. In general, the better the preoperative breast appearance the more likely the breast augmentation "look" will be optimal.
2. The experience/skill level of the surgeon is important in determining the final outcome. For example, the accurate and gentle dissection of the breast implant pockets are critical in producing long-term well-placed breast implants. I personally think that these 2 factors are more important than any others, including type (saline or silicone) or model (low/moderate/high profile) of implant.
3. The type of implant used may determine the final outcome, especially if the patient does not have significant covering breast or adipose tissue. For example, some surgeons feel that silicone implants have a more natural look and feel than saline implants because silicone gel has a texture that is similar to breast tissue. Each patient differs in the amount of breast tissue that they have. If a patient has enough breast tissue to cover the implant, the final result will be similar when comparing saline implants versus silicone gel implants. If a patient has very low body fat and/or very little breast tissue, the silicone gel implants may provide a more "natural" result. On the other hand, saline implants have some advantages over silicone implants. Silicone implant ruptures are harder to detect. When saline implants rupture, they deflate and the results are seen almost immediately. When silicone implants rupture, the breast often looks and feels the same because the silicone gel may leak into surrounding areas of the breast without a visible difference. Patients may need an MRI to diagnose a silicone gel rupture. Saline implants are also less expensive than the silicone gel implants. Other differences involve how the breast implants are filled. Saline implants are filled after they're implanted, so saline implants require a smaller incision than prefilled silicone breast implants. On May 10, 2000, the FDA granted approval of saline-filled breast implants manufactured by Mentor Corporation and McGhan Medical. To date, all other manufacturers' saline-filled breast implants are considered investigational. As of 2006, the FDA has approved the use of silicone gel implants manufactured by the Mentor Corporation and Allergan (formerly McGhan) for breast augmentation surgery for patients over the age of 22.
4. The size and model of breast implant used may make a significant difference in the final outcome. Therefore, it is very important to communicate your size goals with your surgeon. In my practice, the use of photographs of "goal" pictures (and breasts that are too big or too small) is very helpful. I have found that the use of words such as "natural" or "C cup" or "fake looking" or "top heavy" means different things to different people and therefore prove unhelpful. Also, as you know, cup size varies depending on who makes the bra; therefore, discussing desired cup size may also be inaccurate. I use intraoperative sizers and place the patient in the upright position to evaluate breast size. Use of these sizers also allow me to select the breast implant profile (low, moderate, moderate plus, high-profile) that would most likely achieve the patient's goals. The patient's goal pictures are hanging on the wall, and allow for direct comparison. I have found that this system is very helpful in improving the chances of achieving the patient's goals as consistently as possible. By the way, the most common regret after this operation, is "I wish I was bigger".
I hope this helps.
Learn more: http://www.poustiplasticsurgery.com/choosing-your-size.htm
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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Model #170793
- Available in T-Rex Bones, Sea Shells and Dino Eggs
- Durable, pre-cast concrete
- Hand-painted
- Multiple shapes on each form
Developmental Benefits
Visual, Proprioception, Tactile
Motor Skills:
Eye-Hand Coordination, Motor Planning, Fine Motor
Cognitive Skills:
Problem Solving, Strategic Thinking
Social/Emotional Skills:
Cooperation, Social Skill Development, Imaginative Play
Component Colors
Color is an important decision, and our products are available in many color options. Contact your consultant to find the colors available for this component.See color options by material
Product Lines
Price Range
Shipping Weight
Age Ranges
- 2 to 5 Years
Design Standards
- Diameter: 27"
- Height: 8"
Playground products shown in video may not be appropriate for every age group. Playsystems shown in video are for demonstration purposes only. Product configurations may vary.
Product Lines Featured in this Playground
Freestanding Play
Ages 2 to 12
Freestanding Play events add fun and excitement to new and existing playgrounds! Revitalize your current playground or create a playground design that's completely unique using Freestanding Play components for kids ages 2 to 5 and 5 to 12.


text:
BOSTON ( TheStreet) -- The sovereign debt crisis in Europe and the muddled outlook for the economies of the U.S. and China have squelched investor optimism, pushing down the S&P 500 Index by 5% in the second quarter.That's an abrupt reversal from the first quarter, when the benchmark jumped 12%. On balance for 2012, the S&P 500 is up 6.2%. Market activity at first blush appears to be relatively democratic, as the gain for this year includes increases in nine of the 10 sectors, with 304 stocks advancing and 195 decreasing. But the S&P 500's 6.2% increase in 2012 would be only 4.9% if it were not for iPhone and iPad maker Apple's ( AAPL) 44% surge. Apple is the index's largest component. That performance appears to have set a record for a company's impact on the index, said Howard Silverblatt, Standard & Poor's senior index analyst. On a positive note, violent market swings have been few, with only one day up more than 2% and two days down over 2% in the second quarter -- but both of those days were in June, he added. Financials have been the most volatile sector this year, gaining 22% in the first quarter, then losing 9.2% in the second, resulting in a gain of 10.3% this year. "Large caps have led markets higher this year and should continue to do so," said Citigroup analyst Tobias Levkovic. The S&P 500's rise this year is ahead of the S&P 600 small-cap index's 4% advance and the S&P 400 mid-cap index's 3% advance. And the S&P 100 has appreciated more than 6%, as its member companies have benefited from being industry leaders, which give investors more confidence in them. They also offer more generous dividend yields, now approaching 2.4%, which is about a 35% income premium to the 10-year Treasury's yield. Hence, they are attracting more yield-hungry investors. The top 10 performers on the S&P 500 for the second quarter are in a hodge-podge of industries, ranging from paint company Sherwin Williams ( SHW) to heart-valve device maker Edwards Lifesciences Corp. ( EW).
The closest thing to a trend is the performance of the two largest online travel booking firms, which have seen tremendous growth in demand. They are Expedia ( EXPE) and TripAdvisor ( TRIP). Here are the 10 top-performing S&P stocks in the second quarter in inverse order of their returns in the period:


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NEW YORK (TheStreet) -- AT&T (T) raised its full-year 2014 revenue guidance for the second time this year, citing strong growth as the reason to increase its year over year revenue outlook 5% to $135.2 billion, up from its previous estimates of 4% to $133.57 billion.
The telecommunications company expects to report 3.2 million AT&T Next smartphone sales during the second quarter while net subscriber additions are pegged to exceed 800,000 during the same period.
Must Read: Warren Buffett's 25 Favorite Stocks
TheStreet Ratings team rates AT&T INC as a Buy with a ratings score of A-. TheStreet Ratings Team has this to say about their recommendation:
"We rate AT&T INC (T) a BUY. This is based on the convergence of positive investment measures, which should help this stock outperform the majority of stocks that we rate. The company's strengths can be seen in multiple areas, such as its revenue growth, attractive valuation levels, good cash flow from operations, largely solid financial position with reasonable debt levels by most measures and notable return on equity. We feel these strengths outweigh the fact that the company has had sub par growth in net income."


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ST. PETERSBURG — Mayor Rick Baker's face was serene. He strummed the first few notes of Amazing Grace on his guitar and took a breath.
Almost showtime.
Thursday morning marked his final Mayor's Prayer Breakfast, an annual event he founded with the YMCA. More than 500 people — from politicos to pageant queens — filled the coliseum, listening to music and clergymen.
Baker's red tie was covered in tiny ichthys, the criss-crossed fish symbol adopted by Christians.
"I believe in the power of prayer," said Baker, whose last day in office is Jan. 1. "I believe in individual prayer, I believe in corporate prayer. I think it works."
The event, not funded by taxpayers, has been an annual trademark of Baker's eight years in St. Petersburg's highest office. It's one of his favorite events. He moved through the room Thursday shaking hands and hugging most everyone.
This year, it came in the midst of an election in which religion, dinosaurs and evolution have become political throwing stars. It came at a time when billboards around town promote merging God and politics.
Mayoral candidates Bill Foster and Kathleen Ford both attended. The mayor publicly welcomed them both, but Foster, a conservative Christian, sat at a table with Baker's family. Both candidates said they would continue the breakfast if elected.
While some politicians stumble over faith, Baker, a Baptist, has forged a relatively savvy marriage of politics and religion.
"Your value system and faith is part of everything, and I don't think you can separate that out," he said. "The key is not to force it on other people."
At the breakfast, Baker was surprised with a citizen award named after late community activist Chester James. Speakers showered him with praise and prayed for children, families, personal responsibility and communities. They prayed for the candidates.
"Thank you for giving us a mayor, Lord, that is not ashamed of you," said the Rev. Louis Murphy of Mount Zion Progressive Missionary Baptist Church. "Thank you for both candidates and their willingness to serve. … I pray that after it is all said and done, we will come together and unite as one."
Stephanie Hayes can be reached at firstname.lastname@example.com or (727) 893-8857.


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[28 September 2007]
McClatchy Newspapers (MCT)
When the phone rings, you don't expect the voice at the other end to say, "Hi, it's Bill Cosby." Sure, an interview with the comedian had been in the works. But it hadn't been nailed down yet, and even if it had, stars of much lesser caliber usually don't dial the phone themselves.
But here's Cosby, calling from home, more ready to chat than the underprepared reporter he's calling, talking for 55 minutes with occasional interruptions to receive reports from his wife that this year's Primetime Emmy Awards had the lowest ratings since 1990—a statistic that Cosby relays with some glee. The former star of an iconic sitcom, as well as several other series (the last ended in 2000), says he's given up on TV because of its emphasis on puerile subject matter and put-down humor.
But Cosby, 70, still has a lot to say about it and a lot of other topics, especially the family life that fuels his observational stand-up act—as he says, he has 44 years of marriage to work from, as well as children who are now in their 40s and have children of their own. Here are some of his other observations on the world today, edited for space.
On how his old material still works for him:
"Nine-year-old kid comes to see me, along with his mother and father. I had given permission for them to come backstage. He's a black kid.
Father says that (the kid) loves Bill Cosby and that he's done my routines. ... The kid comes back ... and he started to do "The Playground" (a 1966 routine in which Cosby details how he and his friends played in a glass-strewn vacant lot unhurt—till someone put in monkey bars).
"Now, don't forget. I am listening to a kid do my routine word for word.
The parents are smiling, (but) I've gone into another space. The kid is talking, and he's doing Bill Cosby with his inflections. But I've drifted into listening to, and admiring, my writing. The kid's performing, and I'm saying to myself, `This is really wonderful writing.'."
On the universality of his humor:
"I've had guys living (near) cow pastures with friends playing football and identifying with (my) street football. Because they had to run around cow droppings, so you'd lead the guy defending you right into a big pile of that stuff and then cut around it. Because he's not going through it. And guys have told me about those things.
"It's very, very interesting, the connection. Now that I'm doing the observations of 44 years of marriage and I can cut into 40-year-old children, it's just a simple situation of talking about your kids and they've graduated from college and you're talking about your experience—I mean, people start to chuckle right away. You don't even have to have a punch line when you say some of them."
On how shows about families have all but disappeared from network TV:
"By the time you look at a show with your two-three kids, and you're female and you're a cocktail waitress or you're working as somebody's associate or assistant, and you're driving home and day care is taking half your salary, I don't think you're too interested in `Hi, Mom, hi, Dad' (types of shows).
"But you see, that was the thing that was very interesting with the Huxtables. I remember people would say to me, while the show was No. 1 and kicking everybody out of the way, somebody white would come up to me and say, `I have a black friend who says he doesn't know any people like this.' And I would look at them, and I would say, `Tell your friend to get out more often.' Meaning they've got to be in some kind of position and place where they really don't see it. It's not the fault of the Huxtables that you live below the poverty line. ... But I do accept people in that area having a problem wanting to identify with it if your father has abandoned you. Looking at the Huxtables would probably open a flank for you mentally, making you very sad."
On dysfunctional families:
"The dysfunctional family isn't the single-parent family. It's the Huxtable family. (Kids are supposed to get in trouble) at some point.
... You can't get any stronger than God. If you read the Bible, you can't get any more powerful, any more independent than God. Second in line would be the devil. Can't be any more independent. Goes around doing his work. Both powerful figures have problems. So God creates human beings, and the two that God made with God's own hands didn't listen to him. So where's the functional family? You've got a single parent—God. Children, one simple thing not to do, and they did it."
On "Come on People: On the Path From Victims to Victors," his new book co-written with Alvin F. Poussaint:
This book is really and truly about the choices that have already been made and what is out there for people to either accept things that will put them in new positions to fight, to gain, to move and to be—or the examples that are set that show, yes, there's many things against us, but the individual who decides to get up and stimulate and make a `move.' You're in a cocoon, and when it opens, what comes out—a moth or a butterfly?
"One of the greatest examples, flat-out emotionally, I have seen is incarcerated men and women in separate institutions receiving their GEDs. ... We're talking about this time in life when people (have their) hats on backward and clothes down the crack in the behind, and some of the exposures of the breasts and the skirts up high ... and I'm sure this is where (these inmates) came from, and I'm sure this is the way they were talking, and they're coming around, they're turning that corner (to receive their GEDs), their chests are bursting, they look like Clydesdales, man. The women came around, and they looked like, not runway models, but every last one of them had an assured look.
"Now, this is very important, because so many incarcerated people come out of the joint, and they have no place to go but back to the neighborhood, and they wind up in the joint again. And these people are talking about when they get out, they're going to community college; they've got their goals already set, and the recidivism is going to be very, very low on these people. And I believe it."
Published at: http://www.popmatters.com/pm/article/bill-cosby-reflects-on-humor-families-and-his-new-book/


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Achat Comfort Passau3
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About the hotel
This hotel is only 2 km away from Passau's historical old town with its famous landmarks, and is a perfect starting point for excursions to the beautiful surrounding area and the Bavarian Forest. The main station is also 2 km away. The city hotel offers 65 comfortable rooms and suites, and facilities include a lobby with a 24-hour reception, a safe and lift access.
A bar and a restaurant, Haferlguckerl, also feature within the hotel along with 4 modern convention rooms for conferences and events. WLAN Internet access (for a fee) and a laundry service are available for an added fee. Parking is additionally provided for those arriving by car. The rooms feature an en suite bathroom, a hairdryer, a direct dial telephone (fee applies), satellite/cable TV, Internet access (fee applies), a king-size bed and individual heating. The spa area invites guests to relax, featuring a Jacuzzi and a sauna. Restaurant Haferlguckerl offers international as well as typical Bavarian food.
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text: ColorMaster CM101 works with manufacturers horizontal grinders for recycling wood waste. Attaches to fender of trailered grinder. Consists of a pump, multiple hoses, and up to 19 colorant nozzles, all powered by grinders hydraulic system. Two, adjustable controls regulate color and water flow according to material and job conditions. Liquid concentrate penetrates wood fiber to produce vibrant, long-lasting color. Shipped in totes or barrel, pigment dilutes completely into water stream to assure total coverage of color onto mulch.


text:
- 9 total posts
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- 1 discussion
- 7 comments
Reviews & Stories
Finally Scheduled a Few Consultations! - Jacksonville, FL
After reading so many reviews I have decided to start my own. I haven't had the procedure done yet but I've finally set up two consultations with Dr. Pearson and Dr. Trimas. My first one is still two weeks away but I'm already feeling excited (and nervous). I think it's partly because I've wanted a Rhinoplasty for several years but never thought I would actually be able to do it. Ever since I... READ MORE
Discussions started by Missy213
Considering doing a Rhinoplasty and any advice would be appreciated!
Hello everyone! I'm new to the board but have been reading on RealSelf for awhile now. I've been wanting a Rhinoplasty since I was about 18 and I'm 23 now. I always had a bad... READ MORE
Recent comments from Missy213
I think he's great and he doesn't try to rush you out of the office. He answered all my questions and then some. I was very nervous for the interview but I quickly got over that. Good luck with your consultation. Let me know how it goes. :) READ COMMENT
You look great! I'm really happy to read your review. I have my first consultation with Dr. Pearson in a few days and this made me feel more confident that I'm on the right track. Hopefully after my consultations with different surgeons... READ COMMENT
Your nose looks amazing all ready. I'm so happy for you and the pictures with you and your daughter are so sweet. Congrats! READ COMMENT
I look forward to reading it! Thanks :) READ COMMENT
I think my pictures don't do it justice but I appreciate your kind words. My boyfriend thinks I'm crazy for wanting to do this but I guess we all have things we would like to improve on. I don't hate my nose but I think it could be... READ COMMENT


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Thanks to OSNN's American Zombie, he spotted over at the Xbox.com website that Microsoft have opted to drop their HD DVD add-on drives for the Xbox 360 significantly to just $49.99. Thats a significant drop from the last time, when it was reduced by $20 to $179, just 7 months ago.
Anyone who wants to own a piece of nostalgic history (do you know anyone that still has a "betamax" video cassette player?) can now do so for a measly price. Maybe it's worth picking this up along with a few of the latest cheap HD-DVD films for a few cheap rainy nights in.
Of course it could be just a cool looking paperweight, because thats where it's destined to end up.


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Pat Carrigan Rustad Memories
Saturday Night Was Bath Night
Pat Carrigan Rustad
Written January 1975
Back in the Depression Days we had sponge baths duringthe week, but on Saturday nights we got the works. We usually had supperearly on Saturday so the cook stove could be cleared off for heating bathwater. The reservoir on the side of the range was filled with water duringthe afternoon and was already steaming by supper time. It took a lot ofhot water to bathe five children.
As soon as supper was over my father brought up the bigcopper boiler from the basement, filled it full of water and put it on thestove to heat. After the dishes were done, the kitchen was closed off fromhe rest of the house for warmth and privacy and a big scatter rug was placedon the floor in one corner of the room. Then the big wash tub was to doubleas our bathtub was brought in, placed on the rug and filled with warm waterfrom the reservoir or boiler.
Mother bathed the two youngest children first. There wasalways wriggling, screaming and splashing of water when soap got in theireyes. We couldn't afford commercial shampoo in those days so our hair waswashed with the same soap that we bathed in.
Sometimes the same bath water was used for two or threeof us and when my mother thought it was getting a little too cloudy shecalled my father and the two of them hauled the big wash tub outside todump it.
We older children were allowed to bathe ourselves up toa point. We tended to dawdle while the water got cold and the soap gotwasted, so mother had to give us a time limit. When our bodies and hairhad been well lathered with soap, she filled a large kettle with warm water,wrist tested it for temperature and slowly poured it over our heads untilthe hair was squeaky clean.
When the last child was bathed and in clean pajamas, welined up while mother brushed the snarls out of our hair. My brothers gotoff easy. As soon as their hair was neatly combed they were allowed to goout and play. But my two sisters and I had to go through he ordeal of havingour hair set for Sunday.
Of course, electric curlers, styler dryers, and all themodern methods of beautifying hair were unheard of in those days so theprocess was a tedious and sometimes ungratifying one.
If mother was in a hurry and our hair was dry enough, sheused the curling iron on it. This gadget had wooden handles and round metaltongs. It was heated by placing the metal part on top of the cook stove.While the curling iron was heating, Mom parted our hair in sections, thenwhen the iron was hot enough, each section was wound up on the tongs andheld for a moment till the hair was curled.
The curling iron wasn't always dependable. If it weren'thot enough, the hair didn't curl. If it was too hot, our hair would frizzleand sometimes break off in small hunks. The iron could be dangerous too.If one happened to move at the wrong moment, there would be singed ears,necks or scalps.
Jamie Rustad Meagher, 16 Apr 99
Jamie Rustad Meagher, 16 Apr 99


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I used to not "get" NBC's U.S. adaptation of "The Office." I didn't find the jokes amusing, couldn't connect with the pencil-pushing characters and was creeped out by the eerie, glaring absence of a laugh track for its mockumentary filming style. Above all this, though, I used to hate Michael Scott (Steve Carell, "Dinner for Schmucks").
The man was the pinnacle of unprofessionalism in my mind, clearly unable in all accounts to run his branch of Dunder Mifflin Paper Company with any degree of efficiency. Infuriated, I envisioned my future self as a Pam (Jenna Fischer, "Hall Pass") or Angela (Angela Kinsey, "Furry Vengeance") working beneath him, and swore I would never put up with such a terrible leader in the workplace.
But then I realized, as friends wiser and less masochistic than myself intervened to point out, "The Office" is just a show – and a hilarious one at that. Thus my appreciation, and even endearment, for Carell's Michael began to grow. I only wish I could have somehow come to this conclusion sooner, because as soon as Season 7 winds down for the summer, he'll be gone.
Although NBC has signed on for an eighth go-around, "The Office" will be Carell-less for all intents and purposes. Ever since it was announced in September that he'd be leaving the show, viewers have been wondering how exactly he'd make his exit – myself included.
I feel that Greg Daniels, the developer for the U.S. version of Ricky Gervais and Stephen Merchant's BBC show, has done a graceful and believable job with the storyline leading up to the departure of Dunder Mifflin's No. 1 beloved oddball. This is no easy task, as it is nearly impossible to not seem contrived when the audience is completely aware the screenplay is under the constraints of an actor's personal agenda. Plus, with a light comedy like "The Office," they could hardly just kill him off without appearing unnecessarily morbid.
If you haven't been keeping up to date with the goings on at your favorite paper supply company, here's a quick rundown. Holly (Amy Ryan, "Green Zone") came back to Dunder Mifflin and is still living with her boyfriend A.J., but they break up after a few episodes. Michael and Holly start dating and are engaged soon after. However, Holly wants to move to Colorado to be closer to her aging parents – and asks Michael to come with her.
Now, Michael needs to find an heir to his throne at Dunder Mifflin – and therein lies Steve Carell's escape route from the show. Who would have guessed he would find a replacement in "Anchorman" star and SNL legend Will Ferrell? Ferrell plays the "new Michael Scott," embodied in working man Deangelo Vickers.
For those of you who have become accustomed to, or even grown to expect, a "spoiler alert" before a paragraph of this nature, suck it. Maybe you shouldn't have been neglecting the funniest show on television the past six months.
Ferrell's performance on the show, in last week's episode, was promising. At first it was pretty weird, as anyone replacing the character would be. Picture Paul Giamatti ("Duplicity," "Lady in the Water") playing Michael Scott – totally unnerving, right? Yet he was the show's original pick to head up the Scranton branch.
Ferrell had a constant stream of genuinely funny jokes, which is to be expected from the co-star of "Step Brothers." There was an immediate conflict with the jealousy-prone Michael, who is still around to make sure his replacement gets properly settled, but the tone is still very comedic. It is apparent that screenwriters are trying to assert a sterner second nature in his character, which comes out a few times in the episode, "Training Day." But, it works.
Thankfully, Daniels had sense enough to make up an entirely new character instead of trying to find someone that looks like Carell to inconspicuously take his place, though Ben Stiller may have been almost convincing – call me crazy, but I have been known to confuse the two. Admittedly, that tactic worked in the "Harry Potter" series with Dumbledore, but has been far less successful when used on any character without a four-foot-long white beard.
Another good move on producers' part was casting an actor fairly similar to Carell. The two comedians have picked similar projects in recent years – easily comparable roles are Ferrell's lead in "Megamind" and Carell's soft-hearted villain in "Despicable Me," a project he worked on with one of the producer/directors of "The Office," Mindy Kaling, who also plays Kelly on the show.
Ferrell's entrance to the plot of "The Office" was not exactly achieved through deus ex machina, but it is clear that the developer's hand was carefully calculating this maneuver every step of the way. We'll have to keep watching to see how smoothly the transition goes in full.


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By Lynn A. Marks and Shira J. Goodman
It is almost impossible to imagine, but once again a sitting Pennsylvania Supreme Court justice has been indicted on criminal charges. The charges are based on alleged illegal campaign activity — activity that directly put that justice on the bench.
We would not be in this situation if Pennsylvania did not elect judges in expensive, partisan elections. Despite growing public concern about judicial elections, Pennsylvania remains one of only six states that elect all judges in partisan elections.
This means political parties nominate candidates; would-be judges run on party labels; and judicial campaigns raise money from lawyers, law firms, corporations, unions and other special interests likely to appear in court in the future.
A 2010 public opinion survey of Pennsylvania voters reflected deep distrust of the judicial election system: 76 percent believe that campaign contributions influence judges' decisions; only 21 percent believe the most qualified candidates win judicial elections.
These staggering numbers reflect a lack of faith that elections produce qualified, fair and impartial judges. Research demonstrates widespread belief that "justice is for sale" to campaign contributors with deep pockets. Changing how we select judges requires amending our state constitution.
The Legislature must pass identical legislation in two successive sessions, and then the voters make the final decision in a public referendum. Simply put, our constitution can change only if the people of Pennsylvania vote to change it. Legislation is pending in Harrisburg that would start the process of changing how we select appellate court judges.
Merit selection is a hybrid system of appointing and electing judges that includes a nonpartisan citizens' nominating commission to evaluate potential candidates. The governor must nominate a candidate from a short list recommended by the nominating commission.
That candidate must be confirmed by the state Senate. After an initial four-year term, the judge would stand for a nonpartisan retention election for a full, 10-year term. Merit selection gets judges out of the fundraising business. It stops the flow of money from law firms, lawyers and future litigants to the judicial candidates who could later decide their cases.
Merit selection also opens the process to qualified lawyers throughout the commonwealth with diverse backgrounds and professional experiences. No longer would random factors such as good ballot position, county of residence or a familiar name help determine who becomes a judge.
It has been more than 40 years since the public had the chance to weigh in on how to choose our judges. In the 2010 statewide poll, 93 percent responded that Pennsylvanians should have the right to vote on this issue.
Pennsylvanians should not have to accept a system they believe is broken. It is time to give voters the opportunity to decide whether there is a better way to choose appellate court judges. Our legislators should give the public that opportunity.
Lynn A. Marks and Shira J. Goodman are the executive director and deputy director, respectively, of Pennsylvanians for Modern Courts, a nonpartisan, nonprofit court-reform organization. www.pmconline.org.


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The latest version of the official PostgreSQL ODBC driver, psqlODBC 07.02.0005 is now available for download from http://odbc.postgresql.org/psqlodbc.php?DocID=downloads in precompiled formats for Windows, and a source tarball. Please note: This will be the last 07.02 release. Starting with 07.03.0001, the ODBC 2.5 driver will be renamed to 'PostgreSQL Legacy', and the new ODBC 3.0 driver will become 'PostgreSQL'. The unicode version will become 'PostgreSQL Unicode (Beta)'. For this reason, testing and bug reporting for the ODBC 3.0 and Unicode drivers is encouraged. Changes and updates in the new release include: 2002 Nov 12 Fix a crash bug thanks to Ryo Hattori. 2002 Nov 13 1) Fixed pretty many 'if (..);' lines(my fault sorry). 2) Add a few #include lines(config.h pthread,h) for *nix. 3) Supress automatic client_encoding setting in some cases. 2002 Nov 22 Use SQL_TYPE_DATE, SQL_TYPE_TIME and SQL_TYPE_TIMESTAMP instead of SQL_DATE, SQL_TIME and SQL_TIMESTAMP in ODBC 3.X. Change SQLGetTypeinfo to display ODBC3.x info. 2002 Nov 25 Change SQLRowCount to return SQL_SUCCESS not SQL_ERROR if the statement executed fine. Fix a bug reported by Glen Parker. 2002 Nov 26 Change CURSOR_TYPE or CONCURRENCY statement attribute to be reset on cursor close per bug report from Glen Parker. Regards, Dave.
Next: From: Jason E. Stewart Date: 2002-11-30 17:47:09 Subject: Re: ANNOUNCE: DBD::Pg 1.20 Previous: From: Justin Clift Date: 2002-11-28 23:31:28 Subject: Re: [ANNOUNCE] PostgreSQL Global Development Group Announces Version 7.3
Next: From: Benjamin Scherrey Date: 2002-11-29 20:31:14 Subject: Re: BUG in Unicode Driver - was: Re: Can't get more than 255 Previous: From: Hiroshi Inoue Date: 2002-11-29 09:38:33 Subject: Re: out length err with SQL_TINYINT


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Braga: New Arc Not Just About WarBy Caillan
June 2, 2003 - 5:21 AM
Enterprise's new story arc has "striking" parallels to contemporary events, but season three won't be exclusively devoted to war, executive producer Brannon Braga said recently.
"There can be no doubt that there are parallels to what's going on," Braga told Kate O'Hare at Zap2it. "Of course, it's probably seeped into our consciousness. The parallels are striking. We talk about preemptive strikes on this show. The first attack on Earth is kind of Star Trek's 9/11, I guess. And we're trying to stop the next one."
Season three will reveal more information about the Xindi, the alien species which attacked Earth in the second season finale, "The Expanse". Braga said Enterprise will not be afraid to tackle the big questions in dramatising the conflict.
"But as it goes on, we don't want to just turn this into a show about war. We want to start digging into a lot of things about, who is this species? Why did they attack us? Why did we attack them, which prompted them to do this preemptive strike? Will we find a peaceful solution for this?"
The producer added, "Ultimately, this is about finding a better way, so we're not just doing a show where we're blasting aliens out of the sky every week. We want to evolve a storyline that gets very complicated and deals with all the issues surrounding current events."
Although new Star Trek television episodes have been produced continuously since 1987, Braga said it's important the writers don't rest on their laurels. "It's not as though some higher force has decreed that Star Trek will be on the air, forever. You can't take that for granted. I'll tell you right now, if you don't keep evolving the show, trying new things, and showing that Star Trek is still relevant, Star Trek could go away."
The full interview, in which Braga also talked about plans for Archer, T'Pol and Trip next season, can be found here at Zap2it. Thanks to 'Miri' for this!
Discuss this news item at Trek BBS!
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Also a CSI: Crime Scene Investigation fan? Then visit CSIFiles.com!


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The Conference is divided into loosely grouped streams - , approximating perspectives, knowledge-bases, professional practices or disciplines. As much as possible, we try to program parallel sessions relating to each stream into the same room. This means that it would be possible, if one wished, to follow the same stream for the entire Conference. Each stream also has its own talking circle, a forum for focused discussion of issues.
You will be asked to select one or more streams when you submit a presentation proposal. If you select more than one stream or 'other', the Conference organisers will choose a stream based on a reading of your title and abstract, or one which seems to fit best with other presentation proposals that have been submitted.
Sustainability Conference 2008: Streams
- Environmental Sustainability
- Cultural Sustainability
- Economic Sustainability
- Social Sustainability
- Other


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Breaking a lengthy silence, former Red Hot Chili Peppers guitarist John Frusciante has announced on his official website that he is finishing up work on two new records: An EP titled Letur-Lefr and an LP titled PBX Funicular Intaglio Zone.
"I consider my music to be Progressive Synth Pop, which says nothing about what it sounds like, but does describe my basic approach," he said in an official statement. "I combine aspects of many styles of music and create my own musical forms by way of electronic instruments."
He continued, "The tracks on ,em>Letur-Lefr are from 2010 and PBX was made in 2011. Letur is a compilation, a selected portion of music I made that year while PBX was conceived as an album, the songs having been recorded in succession. The records are very different from each other, so prior to the release of the LP, I will make available a free download of a song called 'Walls and Doors.' This song pointed the way towards PBX, but was recorded 7 months earlier. I always took it for granted that Walls and Doors would be part of the record, but as it turned out the record was better off without it."
Letur-Lefr is set for a July 19 release date in North America, with PBX Funicular Intaglio Zone following about two months later on September 25.
You can pre-order Letur-Lefr now at this location. Frusciante has also apparently launched a Twitter account, and you can follow him here.
John Frusciante Streaming New Album, 'Enclosure,' from Space (4/4/2014)
Talk about an album launch. Former Chili Pepper John Frusciante has — literally — launched his new album, Enclosure, into space aboard an experimental Cube Satellite called Sat-JF14. The odd event took place March 29, at a "remote High Desert l...
John Frusciante on His Latest Solo Effort, 'Enclosure,' and Why His Days Onstage are Behind Him (4/3/2014)
This is an excerpt from the May 2014 issue of Guitar World. For the rest of this story, plus features on Zakk Wylde and Joe Satriani (our cover stars), Death Angel, how to build a pedal board, a complete finger picking lesson, columns, tabs and ...
Listen: John Frusciante Releases Preview of New Album, 'Enclosure' (3/25/2014)
Former Red Hot Chili Peppers guitarist John Frusciante has posted a preview of his upcoming album, Enclosure, on his official YoutTube channel. The clip, which you can experience below, features four minutes' worth of audio snippets from the new...
Listen to "Scatch," a Song from John Frusciante's New Album, 'Enclosures' (2/19/2014)
Former Red Hot Chili Peppers guitarist John Frusciante is streaming a track from his upcoming solo album, Enclosure, which will be released April 8 via Record Collection. Be sure to check out "Scratch" below and tell us what you think! "Enclosur...
Dear Guitar Hero: Johnny Marr Talks Guitars, 'Inception' Soundtrack, Working with John Frusciante and More (10/31/2013)
From the July 2012 issue of GW: He forged new rock paths with the Smiths, released a successful new solo album and just got his own signature edition guitar. But what Guitar World readers really want to know is ... You've had many amazing haircu...
John Frusciante to Release 'Outsides' EP August 27 (7/15/2013)
Former Red Hot Chili Peppers guitarist John Frusciante has announced a new EP, Outsides. It will be released August 27 via Record Collection (August 14 in Japan). A bonus track, "Sol," comes as an instant download with each pre-order. The rest ...
Greatest Guitar Solos of All Time Readers Poll: Round 1 — "Eruption" (Eddie Van Halen) Vs. "Scar Tissue" (John Frusciante) (7/6/2013)
A few years ago, the editors of Guitar World magazine compiled what we feel is the ultimate guide to the 100 Greatest Guitar Solos of All Time. The list, which has been quoted by countless artists, websites and publications around the world, sta...
John Frusciante Albums to Be Reissued on Vinyl (11/13/2012)
Former Red Hot Chili Peppers guitarist John Frusciante has announced a slew of vinyl reissues set to be released next month. The Will To Death, Inside of Emptiness, A Sphere in the Heart of Silence, Curtains, DC EP, The Empyrean and Ataxia I &am...
Poll: The Greatest Guitarist of All Time, Round 2 — Jimi Hendrix Vs. John Frusciante (7/17/2012)
Welcome to our first-ever Greatest Guitarist poll, where 128 guitarists go head to head, round by round, in a bracketed format, all to crown your choice for the Greatest Guitarist of All Time. We filled 124 of 128 slots with the names of a host ...
Book excerpt: John Frusciante on being a guitar antihero (5/30/2012)
In the new book Feeding Back: Conversations with Alternative Guitarists from Proto-Punk to Post-Rock, author David Todd celebrates the wildly idiosyncratic skills and vital contributions of some of the most creative guitarists operating in
Poll: The Greatest Guitarist of All Time, Round 1 — John Frusciante Vs. Omar Rodriquez-Lopez (5/27/2012)
Welcome to our first-ever Greatest Guitarist poll, where 128 guitarists go head to head, round by round, in a bracketed format, all to crown your choice for the Greatest Guitarist of All Time. We filled 124 of 128 slots with the names of a host ...


text: We are running the same database version and OS version. This same problem just recently started happening on one of our databases. We do the folowing Shutdown immediate; Startup restrict; Shutdown; The shutdown immediate was fine. However, the normal shutdown was generating the 1013 error. From what I could tell, a user with dba rights was connecting while the database was in restrict mode. I modified the script so that it locks that user's account prior to the first shutdown. This seems to have fixed my problem. However, I'm not answering your question. I'm not sure what timeout value is used. Are these sessions executing some long running SQL commands? Can they be rescheduled to run at another time? Years ago, I had an instructer tell me that for backups, just do the following: alter system checkpoint; shutdown abort; Startup restrict; Shutdown; While this definitely brings the database down, I never really felt comfortable doing this. You might just want to kill active processes before you start your backup. Jay -----Original Message----- From: oracle-l-bounce@xxxxxxxxxxxxx [mailto:oracle-l-bounce@xxxxxxxxxxxxx] On Behalf Of Vitalis Sent: Thursday, April 14, 2005 9:45 AM To: Oracle-L Subject: sqlplus shutdown "time-out" Hi all, 126.96.36.199.0 on Aix 5L. Before our cold RMAN backups, we shutdown and startup the instances as foll= ows: sqlplus '/ as sysdba' <<EOD shutdown immediate startup shutdown immediate startup mount EOD Sometimes both shutdowns seem to time-out automatically (certainly while Oracle is busy rolling back some huge transactions): =3D=3D> Beginning consistent instance shutdown and mount: Thu Apr 14 01:35:02 DFT 2005 SQL*Plus: Release 18.104.22.168.0 - Production on Thu Apr 14 01:35:02 2005 Copyright (c) 1982, 2002, Oracle Corporation. All rights reserved. Connected to: Oracle9i Enterprise Edition Release 220.127.116.11.0 - 64bit Production With the Partitioning, OLAP and Oracle Data Mining options JServer Release 184.108.40.206.0 - Production SQL> ORA-01013: user requested cancel of current operation SQL> ORA-01081: cannot start already-running ORACLE - shut it down first SQL> ORA-01013: user requested cancel of current operation SQL> ORA-01081: cannot start already-running ORACLE - shut it down first SQL> Disconnected from Oracle9i Enterprise Edition Release 22.214.171.124.0 - 64bit Production With the Partitioning, OLAP and Oracle Data Mining options JServer Release 220.127.116.11.0 - Production =3D=3D> Ended consistent instance shutdown and mount: Thu Apr 14 03:37:55 D= FT 2005 Both "user requested cancel" aren't human actions and it seems that both shutdowns time-out after 1 hour. What might be the cause of thes time-outs giving that sql*net is not involved and that sys's profile is "default" (idle_time=3Dunlimited). I can't find any relevant time-out parameter for sqlplus (only for isqlplus). TIA, Jerome **DISCLAIMER This e-mail message and any files transmitted with it are intended for the use of the individual or entity to which they are addressed and may contain information that is privileged, proprietary and confidential. If you are not the intended recipient, you may not use, copy or disclose to anyone the message or any information contained in the message. If you have received this communication in error, please notify the sender and delete this e-mail message. The contents do not represent the opinion of D&E except to the extent that it relates to their official business. -- http://www.freelists.org/webpage/oracle-l


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Getting out from under college loan debtPrevious1 of 6NextThe Nice LifePic/Shutterstock.comGetting out from under college loan debtIf there's one obstacle that prevents most millennials from investing, it's the burden of college loans.The average student debt for 2016 graduates is a record $37,172, up 6.05% from a year earlier, according to Mark Kantrowitz, publisher and vice president of strategy for Cappex.com, a college scholarship website.So how can graduates get out from under that debt quickly? We spoke to investment managers and financial planners for their top tips to become free of student loans.SEARCH: Find a financial adviser who will help you pay down debt and reach your goals.Previous1 of 6Next
The Nice LifePic/Shutterstock.com
If there's one obstacle that prevents most millennials from investing, it's the burden of college loans.
The average student debt for 2016 graduates is a record $37,172, up 6.05% from a year earlier, according to Mark Kantrowitz, publisher and vice president of strategy for Cappex.com, a college scholarship website.
So how can graduates get out from under that debt quickly? We spoke to investment managers and financial planners for their top tips to become free of student loans.
SEARCH: Find a financial adviser who will help you pay down debt and reach your goals.
Dima Sidelnikov/Shutterstock.com
If you can afford it, treat the loan like a mortgage and simply make larger payments to cut the principal more quickly, says financial planner Allan Katz, CFP professional, president of Comprehensive Wealth Management Group in New York's Staten Island.
For example, a $25,000 student loan with 6.8% interest with a 10-year payback period would cost $288 a month. Paying $700 a month instead of $288 enables the borrower to repay the loan in just over three years, Katz says.
Another strategy is adding payments and sending in checks every two weeks rather than monthly.
Once that college loan is repaid, the benefits proliferate. "It's one less debt you owe. The money you make is now free to be invested and applied to owning a house, saving for retirement or putting a child through college," Katz says.
TetraImages/DigitalVision/Getty Images
Clayton Shearer, a wealth manager at A&I Financial Services in Englewood, Colorado, urges clients to create a three- to five-year plan to pare college debt.
Knowing exactly when the loan ends is comforting for many clients. Clients "have a goal in place, they're committed to it and they know exactly what to pay monthly," Shearer says.
For example, two clients had $50,000 combined in college debt and were making around $100,000 a year jointly. To pay it off, they established a budget and cut back on spending. Their budget was helped by two sizable bonuses from work, resulting in their sending $800 per month for two years to cancel their college debt. Had they not prepaid, it would have taken about 15 years to pay off the loan.
Hero Images/Getty Images
Having money moved automatically into savings is effective because it's forced, Katz says. It enables people to set aside money to grow that otherwise would be spent on clothes or dining out, Katz says.
Just make sure to set up an account that will be used only for paying back your college debt. Don't use checking or savings accounts you already have because you might use that money for something other than your student loan.
SEARCH: Find the best savings account at Bankrate.com today.
Studio Romantic/Shutterstock.com
Getting a part-time job while attending college is one way to keep college debt in check because it generates money to help offset student loans.
If a student can put away $1,000 a month, "that's $12,000 (a year) less in student loans and not having to take that money out in loans -- a big savings," Shearer says.
The most compelling barrier stopping people from repaying loans faster is the need for "instant gratification," Shearer says. People can lose sight of their future financial goals, live for today and "fall off the budgetary wagon," he says. The most effective way to reduce debt is to plan ahead, make some sacrifices, focus on future financial goals and delay instant gratification.
Katz agrees. Maintaining financial discipline is a difficult hurdle for many people, he says. "Most people don't have the discipline to save. Most people spend like goldfish eat, which is nonstop," Katz says.
The people who succeed at cutting college debt are those who "live within their own means and are conscientious about saving," Katz says.
SEARCH: Find a financial adviser who can help you find a path to being debt-free.
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R-5 principal to retire with 'mixed emotions'
Casey says he's leaving while 'things are going well'
R-5 High Principal Dave Casey will watch students race out the door to begin summer break for the 33rd and final time as an educator this afternoon.
After more than three decades as a teacher and principal, Casey will retire June 9.
"I had real mixed emotions about retirement, but I realized in the grand scheme of things it was a good time," Casey said.
A desire to coach attracted Casey to the education profession after college. He got a job as an earth science teacher in his hometown of Hollywood, Fla., and coached wrestling and football. After five years at Hollywood Hills High School he moved to Grand Junction and taught at Bookcliff Middle School for a couple years before moving to Central High School for 15 years. Casey became a principal for the first time at Central.
"In that track you can help more kids," he said.
After leaving Central, Casey spent five years as a high school principal at what is now Western Colorado Community College before settling into his job at R-5 six years ago.
Casey said watching students who struggled in traditional high school come to R-5 and blossom has been a highlight of his career.
"We've had some students come in with everything from some quirky behavior to some real serious stuff," Casey said. "It's just been a pleasure to help them out."
Since his first day at R-5 in 2004, Casey said the school has added a noncredit-based key performance diploma, started using a standardized test that gives results sometimes in the same day so staff can help shape a student's education plan immediately, and brought in a vending machine with chips, sandwiches and other items for a modified lunch program.
The school is also one of the biggest users in the district, he said, of an online system that streamlines information about students so teachers and the principal can access that and other information quickly.
Casey said he and teachers at R-5 don't mind if a student has "pink, spiked hair." They're there to help students earn good grades and graduate from high school.
"Once they know we're here to help them, they respond accordingly," Casey said.
Casey said he's dealt with just one fight at the school during his six years at R-5. Vandalism is "virtually nonexistent" in the building. Suspensions are few and far between.
Driving past the school and knowing he isn't a part of the successes in that building anymore may be hard after retirement, Casey said. But he's trying to focus on new adventures. He plans to fish and hunt after retirement and take an Amtrak train from Grand Junction to Chicago to catch a few Cubs games at Wrigley Field.
If he still misses school, he can look at his new watch with the R-5 logo and motto on its face, or glance at the R-5 diploma his staff presented to him Tuesday afternoon.
Casey said he feels comfortable leaving the school in the hands of Palisade High School Assistant Principal Anna Goetz, who has been picked as his replacement, and believes R-5 is on a good track.
"It's nice to go out when you feel things are going well," he said.


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People, we have very good news to report. Important new research reveals there are residual health benefits to having your mind blown, which, for live music junkies like us is both unsurprising yet incredibly validating. It's all detailed here in this fascinating Atlantic Monthly piece, which we highly recommend checking out. When you're done convincing yourself being in awe is always a good thing, do your body a favor and take in some awesome this week:
Caldecott, Brick & Mortar Music Hall, Thursday
Local and locally themed rock band Caldecott regularly pay their respect to their East Bay roots, and Bay Area natives will find all sorts of golden tickets scattered in their work. The band has two EPs out and a steadily growing, often rabid fanbase. Live shows double as group sing-alongs and every song is passionate and smart and fun, just like you'd expect anything from the Bay Area.
Paul van Dyk, 1015 Folsom, Friday
Paul van Dyk might need his own wing at the Electronic Dance Music Hall of Fame (yes, there is such a thing as the Electronic Dance Music Hall of Fame). The long-celebrated and much-decorated DJ has been racking up awards and prizes for well over 20 years by now. The list is just astonishing. But van Dyk does not rest on laurels. He tours relentlessly, even during the holidays. Get in the holiday-dance spirit and start working on your New Year's Eve dance moves a few days early and check out van Dyk at 1015 Folsom.
Great White Buffalo, Bottom of the Hill, Friday
The LA-by-way-of-the-East Bay rock outfit has seen its star rise considerably thanks to a big, confident sound and some key billings this past year, a banner year in the band's young history. Their debut self-titled album, recorded with Grammy award-winning producer Philip Allen (Aerosmith, Adele) is making the rounds and waves, and regularly gets the on-loop treatment on this fan's spotify playlist. Lead singer Graham Bockmiller and lead guitarist Stephen Johnson both hail from the East Bay and the hometown crowd always makes rowdy whenever they gig out in SF. Bring your A-game.
As far as live hip-hop goes, it doesn't get much more rewarding than experiencing a Blackalicious live show. The Sacramento hip-hop duo approachees a show in a completely novel, idiosyncratic way. Gift of Gab's delivery borders on lyrical twerking and Chief XCel's production panache has few parallels. Be in awe and try to look away. It won't be easy. Evidence:
Follow @ChrisTrenchard for more words like these.


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Drug-violence report: The Trans-Border Institute at the University of San Diego has released a new report, "Drug Violence in Mexico: Data and Analysis from 2001-2009," which can be downloaded at uniontrib.com/mex-violence. It says the only Mexican state not to report a drug-violence-related death last year was Yucatán. The Mérida Initiative, under which the United States is helping Mexico fund its battle against trafficking, is named for the capital of that state. At 12:30 p.m. Wednesday, the new book "Police and Public Security in Mexico" will be presented by the Trans-Border Institute and the Mexico Institute of the Woodrow Wilson International Center for Scholars at USD's Joan B. Kroc Institute for Peace & Justice.
Head left at drug lord's grave: A human head and a flower were found at the tomb of deceased Mexican drug trafficker Arturo Beltrán Leyva in Culiacán in Sinaloa state. Beltrán Leyva was killed in a Dec. 16 shootout with Mexican marines. Seven corpses were left in two cars in Guerrero state; a message accused the dead of betraying the Beltrán Leyva cartel.
Mexico-Colombia drug link: Bloomberg News Service reported that a computer document captured by Colombian military intelligence says Mexican cartels were to get cocaine directly from the Revolutionary Armed Forces of Colombia rebel group, or FARC. The agreement was discussed by FARC leader Raúl Reyes and a Mexican cartel agent at Reyes' jungle hide-out in mid-2007, a letter Reyes wrote to other guerrilla commanders says. Seven months after the meeting between Reyes and the cartel agent, Colombian soldiers killed Reyes in a raid in Ecuador and seized his laptop computers.
Re-elections called necessary: The most important change Mexico needs is to allow politicians to be re-elected, which would improve accountability and continuity, Mexican political analyst Denise Dresser told the Institute of Americas at the University of California San Diego. An interview Dresser gave to institute Vice President S. Lynne Walker can be watched at uniontrib.com/mex-dresser.
Canadian tourists wounded: A Canadian couple from Quebec were shot and wounded when they resisted a robbery attempt Tuesday in the Pacific resort of Ixtapa. Police said the man, 50, was shot in the abdomen and that a bullet grazed an ear of the woman, 45.
Journalist's body found: The corpse of José Luis Romero, a radio journalist known for his broadcasts on drug trafficking, was found last weekend on a Sinaloa state highway a few miles from where he was kidnapped from a Los Mochis restaurant Dec. 30.
Genetic research pledge: Telecommunications mogul Carlos Slim pledged $65 million for genetic research on cancer, type 2 diabetes and kidney disease.
Mexico and Haiti: Slim's foundation said it would match donations for Haiti made by customers of his Telefonos de Mexico company. More than 50 Mexicans are reported missing from Haiti's Jan. 12 earthquake; a Mexican woman's body was recovered. Last week, a Mexican rescue team freed a Haitian woman trapped in the home of Port-au-Prince's Catholic archbishop, who was killed in the quake.
Compiled from news reports by Foreign Editor David Gaddis Smith: (619) 293-2211; firstname.lastname@example.com