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Why should you compare mortgage rates?
The right mortgage rates can make an enormous difference to your unique financial situation, whether you're applying for your first home loan, or refinancing an existing mortgage.
But what are the differences between the variable, fixed, split and comparison rates that are available from different lenders?
By putting the details of a variety of home loan offers all in one place, RateCity can help you forecast the effects of mortgage rates on your budget.
You'll also have the option to narrow down your shortlist of lenders to only those offering the rates and features that will ideally suit your lifestyle.
How do mortgage rates affect my home loan?
When you compare mortgage rates, you'll see how the lower the interest rate you pay on your home loan, the more you can save in home loan interest charges over time.
For example, imagine you have 20 years left on your mortgage and you refinance from a home loan with an interest rate of 4.50% to one at 4.00%. Here's how much you could save, based on the size of your outstanding debt:
|Total repayments at 4.5%
|Total repayments at 4.0%
|Potential interest savings
Above hypothetical examples are for illustrative purposes only. Calculations source: MoneySmart
What are variable mortgage rates?
Many of the home loans available in Australia have variable mortgage rates, which rise and fall over the lifetime of the loan.
These rates are typically based on Australia's official cash rate, which is set by the Reserve Bank of Australia – when the RBA meets and brings the cash rate up or down, the nation's lenders often raise or lower their mortgage rates accordingly.
By choosing a variable rate after your mortgage rate comparison, your monthly repayments may be reduced if interest rates are cut, saving you some money and providing you with some financial flexibility.
But if interest rates rise, you may find yourself having to pay more for your mortgage than you initially bargained for, which could put you at risk of mortgage stress.
What are fixed mortgage rates?
Another option to consider is fixing the interest rate on your home loan for a few years, so your finances can stay insulated from the effects of rate rises.
A fixed rate mortgage can help to keep your household budgeting nice and simple, as your repayments remain the same from month to month for the duration of the fixed term.
However, fixing your home loan means that if mortgage rates fall, you won't enjoy the benefit of savings on your monthly repayments, as you'll still be locked into your fixed rate.
Breaking from the predetermined repayment plan can often prove quite expensive in terms of break costs, so you may not enjoy as much financial flexibility from a fixed rate home loan.
A fast guide to mortgage stress
Households suffer mortgage stress when 30% or more of their pre-tax household income is being swallowed by mortgage repayments.
Life becomes stressful at this point because once households have paid for their mortgage, their day-to-day essentials, and other fixed costs, they will have little if any money left over. That's why it's so important to factor in interest rate rises before taking out a mortgage.
Go to a home loan calculator and punch in some numbers. Could you afford the mortgage repayments if interest rates rose by 1, 2 or 3 percentage points? If the answer is no, you may need to think long and hard before you compare mortgage rates and take out a home loan, because a rate change could place you in mortgage stress.
Will you suffer mortgage stress?
Make sure that mortgage stress doesn't take over your life. Find out where you sit with RateCity's Mortgage Stress calculator.
What are split mortgage rates?
Some lenders allow you to enjoy the best of both worlds between variable and fixed mortgage rates with the help of a split rate home loan.
In a split rate mortgage, a fixed rate of interest is charged on a percentage of your loan, and a variable rate of interest is charged on the remainder.
The fixed percentage helps to keep your mortgage repayments relatively stable if rates rise, while the variable percentage allows you to benefit from some savings if mortgage rates fall.
Are you in two minds about your home loan rate?
If you're not sure about your home loan rates, you may want to split it with split interest rates.
What is a comparison rate?
The comparison rate isn't another interest rate option like variable, fixed or split mortgage rates. Instead, it's a figure used to estimate the approximate total cost of different mortgage options during your mortgage rate comparison.
Most lenders charge fees as well as interest on the home loans they offer, which can make a significant impact on their total cost to borrowers.
When you compare mortgage rates, you may discover that a mortgage with a low interest rate and high fees can sometimes turn out to be more expensive than a mortgage with a higher interest rate and lower fees.
To make the total cost of different mortgage offers clearer to borrowers, lenders are required to provide comparison rates for each of their home loans.
A comparison rate combines the interest rate of a mortgage with its standard fees and charges, and expresses the total as a single percentage.
This can make comparing the approximate total cost of different home loans side by side much simpler.
It's important to remember that even a home loan's comparison rate may not take its every cost into account - some loans have nonstandard costs associated with some of their optional features that aren't included when calculating its comparison rate.
Plus, some home loans come with extra features that can provide additional value, which also isn't accounted for in the comparison rate.
How does your loan term affect your mortgage rate?
When making a mortgage rate comparison, it's important to consider the impact your interest rates could have on your finances in relation to the length of your home loan's term.
Most home loans start with a term of 25 or 30 years, though shorter and longer options are available.
Paying a home loan off over a longer period will involve making a greater number of repayments, each one for a smaller percentage of the loan's principal.
While these smaller repayments may be more affordable from month to month, you may ultimately end up paying more interest in total over the lifetime of the loan than you would by making larger monthly repayments.
Conversely, a shorter home loan term means making a smaller number of repayments, each one for a larger percentage of the loan's principal.
While these repayments may be less affordable from month to month, the smaller number of interest payments may mean ultimately paying less interest in total over the lifetime of the loan.
|Monthly repayments
|Total interest charged
|Total loan cost
|$500,000 mortgage at 4% interest on a 25 year term
|$500,000 mortgage at 4% interest on a 30 year term
Above hypothetical examples are for illustrative purposes only. Calculations source: MoneySmart
What can five years do to your home loan repayments?
What's the difference between a 25 year and 30 year mortgage? More than you might think.
What kind of borrower are you?
Different home loans may be more appealing to different types of borrowers, and your financial situation could also make an impact on what interest rates you may be eligible for when you compare mortgage rates.
Owner occupiers, whether they are first home buyers or existing homeowners upgrading to new properties, are more likely to be offered lower interest rates on their mortgages than investors. Lenders tend to consider these homeowners to be at lower risk of defaulting on their repayments, since if they did, they'd risk losing their home!
While the flexibility of variable rates may appeal to owner occupiers, first home buyers can often find the stability of fixed rate mortgages useful for managing their repayments while they build up their equity, especially if they're on a discounted introductory rate.
Of course, these borrowers should also remember that these "honeymoon" rates will eventually revert to the lender's standard variable rates, and budget accordingly to ensure they can still afford the repayments.
Investment loans are more likely to have higher interest rates, as lenders generally consider mortgages for investors to be at higher risk of default. Plus, additional government regulations apply to investment home loans.
Whether you're an owner-occupier or an investor, if you're refinancing an existing home loan, your new interest rate will depend on a range of different factors.
Generally, the more equity you have in your current property, the lower the lender's risk when you refinance, and the lower the mortgage rates they can offer as a result.
Mortgage rates from banks and non-banks
When making a mortgage rate comparison for home loans from banks, it's important to also consider whether these loans can provide additional value, such as by bundling access to savings and transaction accounts, credit cards, and other features in with the home loan.
Some banks have relatively strict mortgage lending criteria, offering less flexibility in different financial situations.
Some non-bank lenders offer competitive mortgage rates, as well as flexible lending terms to better suit different household finances.
However, these lenders may not be able to provide the same kind of home loan features and services that are available from certain banks.
For example, some non-bank lenders are online only, and operate with no branches or shopfronts, which means there's no easy option to meet with your lender in person to go through your home loan's paperwork.
Offset accounts and redraw facilities
Even if your lender offers good mortgage rates, there may be home loan options and special features available to make smarter use of your available finances, and to maximise the benefits of a low interest rate.
An offset account is a savings or transaction bank account that's linked to your home loan, so that any money paid into this account is included when calculating your interest, which can help to limit the size of your repayments.
For example:
If you have a home loan for $500,000, have paid off $200,000 so far, and also have $15,000 in your offset account, the lender will calculate your interest charges as if you owed $285,000 rather than $300,000, resulting in a slightly smaller repayment.
If you pay extra money onto your home loan, and get ahead of your repayment schedule, a redraw facility can allow you to withdraw these surplus funds from your loan (subject to the lender's terms and conditions).
This can allow you to put more of your money towards clearing your mortgage debt ahead of schedule, bringing you closer to making an early exit from the loan, while remaining confident that you'll be able to access these funds again if you need to manage an unexpected expense.
How much borrowing power do you have?
Finding a home loan is only half the fun. You also need to work out how much you can borrow, but we've made that easy with RateCity's Home Loan Calculator.
How to shop for mortgage rates
While it's important to compare mortgage rates when selecting a home loan, there's plenty more to consider when looking at mortgage offers from different lenders:
- Are you applying for a new home loan, or refinancing an existing mortgage?
- Are you an owner occupier or an investor?
- Would you prefer a variable, fixed, or split mortgage rate?
- What are the fees? Have you looked at the comparison rate?
- How long is your loan term? Can you afford the repayments on your income?
- What mortgage features do you want? Can you get these, plus an affordable mortgage rate, from a bank or non-bank lender?
RateCity puts information on a wide variety of home loans all in one place, so you can quickly and efficiently compare mortgage rates, features and benefits, and narrow down your shortlist of potential loans to only those that best fit your financial situation.
Why you should compare mortgage rates when conducting a home loan health check
A home loan is the biggest financial commitment that most people will ever make. It's not just a big commitment, but a long commitment - generally 25 to 30 years.
That's why a home loan should never be a "set-and-forget" product e.g. something you take out and then forget about for the next two or three decades.
Instead, it should be something you review on a regular basis to ensure you're getting the best mortgage rates, the best fees and the best features for your household's unique needs.
In other words, it's time for your home loan health check.
How do mortgage interest rates affect your home loan's health?
One reason to conduct regular home loan health checks is because a seemingly small difference in mortgage rates can make a big difference over the term of a loan.
Some people don't refinance their mortgage because they don't compare mortgage rates and realise there are credible lower-rate options on the market.
Other people do know about these options, but never get around to refinancing because they keep telling themselves, "There's no rush, I'm only paying a few dollars extra per month.
However, a small reduction in monthly repayments can add up to a big reduction in total repayments over the life of the loan.
The cheapest loan isn't necessarily the best loan, but the interest rate is always an important factor when assessing the pros and cons of a mortgage.
By conducting a home loan health check, you can not only get an idea of how your home loan interest rate compares to the rest of the market, but you can also consider several alternative mortgage options.
Fees in your home loan health check
Conducting a home loan health check shouldn't mean just making a mortgage rate comparison. It's also important to look at home loan fees.
Many home loans come with ongoing fees, which can include:
- monthly fees
- annual fees
- offset account fees
Borrowers can also be slugged with fees for making use of some home loan features, like redrawing funds or making additional repayments.
Some lenders also get you on the way out by charging a discharge fee when you finally close the loan.
Fees can be a bit like interest rates in that paying a bit more in the short term can lead to a paying a lot more over the loan's full term.
Imagine, again, that you have 20 years left on your mortgage and you switch to a home loan with lower fees. Here are the sort of savings you might receive:
- $100 per year = $2,000 over 20 years
- $200 per year = $4,000 over 20 years
- $300 per year = $6,000 over 20 years
- $400 per year = $8,000 over 20 years
- $500 per year = $10,000 over 20 years
Still not convinced about the benefits of a home loan health check?
Can you do better on your home loan?
A home loan health check is just the start. Find out if you could be doing better with RateCity's Home Loan Refinancing Calculator.
How to refinance a mortgage
Once you've done a home loan health check and mortgage rate comparion, if you decide you do want to switch home loans, you'll have to refinance your mortgage.
How refinancing works:
- Imagine you have a mortgage with Lender X, with an interest rate of 4.50%, outstanding debt of $300,000, and a remaining loan term of 20 years.
- After comparing more than 100 lenders, you decide you like the look of Lender Y, which is offering a comparable product to Lender X, but with a mortgage interest rate of just 4.00%.
- If you ultimately decide to refinance, Lender Y would repay your debt to Lender X – you would owe nothing to your old lender, and owe $300,000 to your new lender instead.
However, there are several refinancing traps to bear in mind before signing on the dotted line.
Did you check the comparison rate?
First, you should confirm that when you did your home loan comparison as part of your home loan health check, you considered the 'comparison rate', not just the 'advertised rate'.
The advertised rate only indicates the cost of mortgage interest, and doesn't include fees or other charges.
The comparison rate does factor in the costs of these types of fees and charges, giving you a better idea of a loan's total overall cost.
With some loans, there will be no gap between the advertised and comparison rates, while others will have a significant gap of one percentage point or higher.
Will you need to pay fees? And what for?
Second, if you do refinance, you may have to pay a range of fees to both lenders.
Your old lender may slug you with a discharge fee, and if you're exiting a fixed-rate loan ahead of schedule, you will probably have to pay break costs as well.
Your new lender will probably charge you any combination of standard set-up fees – establishment fee, valuation fee and settlement costs. All these fees could easily add up to more than $1000.
Are property values likely to fall?
A third trap to be aware of is the potential danger of refinancing in a falling market.
Imagine that when you bought the property it cost you $500,000 and you borrowed $400,000. That would have given you a loan-to-value ratio (LVR) of 80% and allowed you to avoid paying Lenders Mortgage Insurance, which is generally only payable if you have an LVR above 80%.
Now imagine that, two years later, you've decided to refinance, having reduced your debt to $385,000 – but having also seen the value of your property fall to $475,000.
When Lender Y values your property as part of the refinancing process, it will discover that your LVR is now 81% and charge you LMI, which could cost you thousands.
Are you refinancing into a longer home loan?
Finally, you should make sure that your new loan term matches your old one. The default loan term for many mortgages is 30 years, so if you're not careful, you could accidentally exit from a mortgage that has 20 years left to run with Lender X, and sign up for a new 30-year mortgage with Lender Y.
This could end up costing you more money, even if the mortgage interest rate is lower:
- The total repayments for a $300,000 mortgage over 20 years at 4.50% is $455,508
- The total repayments for a $300,000 mortgage over 30 years at 4.00% is $515,609
That's a difference of over $60,000!
Above hypothetical examples are for illustrative purposes only. Calculations source: MoneySmart
You could save tens of thousands
Conducting regular home loan health checks is a no-brainer. After all, they're quick, easy and free, plus there's no obligation to refinance.
A home loan health check might reveal that there are alternative loans out there with mortgage rates, fees and features that could save you literally tens of thousands of dollars over the lifetime of your loan.
Determining who has the 'best' home loan really does depend on your own personal circumstances and requirements. It may be tempting to judge a loan merely on the interest rate but there can be added value in the extras on offer, such as offset and redraw facilities, that aren't available with all low rate loans.
To determine which loan is the best for you, think about whether you would prefer the consistency of a fixed loan or the flexibility and potential benefits of a variable loan. Then determine which features will be necessary throughout the life of your loan. Thirdly, consider how much you are willing to pay in fees for the loan you want. Once you find the perfect combination of these three elements you are on your way to determining the best loan for you.
The comparison rate is a more inclusive way of comparing home loans that factors in not only on the interest rate but also the majority of upfront and ongoing charges that add to the total cost of a home loan.
The rate is calculated using an industry-wide formula based on a $150,000 loan over a 25-year period and includes things like revert rates after an introductory or fixed rate period, application fees and monthly account keeping fees.
In Australia, all lenders are required by law to publish the comparison rate alongside their advertised rate so people can compare products easily.
The standard length of a mortgage is between 25-30 years however they can be as long as 40 years and as few as one. There is a benefit to having a shorter mortgage as the faster you pay off the amount you owe, the less you'll pay your bank in interest.
Of course, shorter mortgages will require higher monthly payments so plug the numbers into a mortgage calculator to find out how many years you can potentially shave off your budget.
For example monthly repayments on a $500,000 over 25 years with an interest rate of 5% are $2923. On the same loan with the same interest rate over 30 years repayments would be $2684 a month. At first blush, the 30 year mortgage sounds great with significantly lower monthly repayments but remember, stretching your loan out by an extra five years will see you hand over $89,396 in interest repayments to your bank.
Work out your mortgage repayments using a home loan calculator that takes into account your deposit size, property value and interest rate. This is divided by the loan term you choose (for example, there are 360 months in a 30-year mortgage) to determine the monthly repayments over this time frame.
Over the course of your loan, your monthly repayment amount will be affected by changes to your interest rate, plus any circumstances where you opt to pay interest-only for a period of time, instead of principal and interest.
You can calculate the total interest you will pay over the life of your loan by using a mortgage calculator. The calculator will estimate your repayments based on the amount you want to borrow, the interest rate, the length of your loan, whether you are an owner-occupier or an investor and whether you plan to pay 'principal and interest' or 'interest-only'.
If you are buying a new home, the calculator will also help you work out how much you'll need to pay in stamp duty and other related costs.
Mark Bristow is a senior financial writer for RateCity and an experienced analyst, researcher, and producer. Working for over ten years, Mark previously wrote and researched commercial real estate at CoreLogic, and has seen articles published at Lifehacker and Business Insider, among others. Most recently, Mark has joined RateCity working across finance as a whole. Whatever the topic, Mark's goal is always to provide simple solutions to complex problems.
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A three-week tutorial taught by instructor Shawn Peek. Beginning on November 7 at 8:15pm, work on teaching your dog to resist distractions. This proofing class will cover 2 behaviors each week. Call now to register!
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We're doing in-depth scouting reports on the two big AFC divisional playoff games. Yesterday, it was Broncos-Patriots. Next up: Texans/Ravens.
The Teams: The Baltimore Ravens vs. the Houston Texans
Records: 12-4 (Ravens), 11-6 (Texans)
The Line: Ravens by 7.5.
The Coaches: Gary Kubiak vs. John Harbaugh. I still think Kubiak purposely styles his hair like Nick Saban just so he can be extra stern with his players. It's not clear as to whether or not defensive coordinator Wade Phillips will be calling plays from the booth or if he'll be back on the sideline for this game. Either way, it's clear that his presence had an impact on his players, who balled like crazy against the Bengals.
The Offenses: The running back matchup is superb. Texans RB Arian Foster ran for over 150 yards against Cincy, and Ravens RB Ray Rice had two 190+ yard efforts in his last five games. Both excel at catching the ball out of the backfield and can help make up for the inconsistent play of their respective QBs. The Texans line is one of the best in football, and the Ravens were shockingly able to cobble together a good line with castoffs like Bryant McKinnie (late of the Vikings) and Andre Gurode (of the Cowboys). The Texans have a fully armed and operational Andre Johnson back at wideout, along with a relatively deep stable of tight ends. The Ravens will rely on rookie Torrey Smith down the field and veteran Anquan Boldin on intermediate routes. TE Ed Dickson is awful.
Now, about those quarterbacks. You know all about rookie TJ Yates, who was thrust into the starting lineup after both Matt Schaub and Matt Leinart went down with season-ending injuries. Yates varies between being mildly effective and totally useless, which is pretty much what you'd expect out of a rookie starter. His brilliant 40-yard strike to Johnson was what iced the game for Houston last week. He'll need more of those throws on Sunday if the Texans want to move on to the AFC title game.
Now, on to Flacco. I think Flacco is part of that second tier of NFL starters - guys like Matt Ryan, Tony Romo, and the like. These are guys who are good enough to get you to the playoffs, but not good enough to get you much further. Flacco has a tendency to lock in on his receivers, and he lacks anything resembling a personality. I'm not even sure he can talk.
The Defenses: Spectacular. These were two of the top three defensive teams in football this season. Houston rookie JJ Watt's interception against the Bengals last week was one of the coolest pick-sixes I've ever seen. Elsewhere, the Texans are doing just fine without DE Mario Williams. CB Johnathan Joseph was the best defensive pickup of the offseason. Inside linebackers Brian Cushing and DeMeco Ryans are both playing at an All-Pro level. If the Ravens want to beat this defense, it'll be with Rice catching the ball away from those two and Smith beating CB Danieal Manning deep.
As for the Ravens, ILB Ray Lewis has been diminished ever since he was injured and missed time in the middle of the season. But he can still do that stupid flag dance to start the game. Terrell Suggs has picked up the slack for him, and will likely be in Yates' face all day long. The Ravens gave up fewer touchdown passes than any other team in football this season, and it's not as if running the ball against them is all that more effective, with DT Haloti Ngata anchoring the center. It's gonna be real, real hard for the Texans offense to score in this game. Their best bet if for Flacco to turn the ball over and give them great field position.
Key Matchup: The Houston defense vs. Rice. This is the kind of game where Rice could go off early and make it a laugher by halftime.


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August 18, 2019 @ 11:30 am
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Discover the amazing history of St. Petersburg on a guided tour of the best-preserved American Indian site in Tampa Bay. The Jungle Prada Site is on the National Register of Historic Places as the recognized landing site of the 1528 Panfilo de Narvaez expedition, and was the homestead of legendary pirate John Levique. Hear these stories and more at 11:30 and 2:30 Wednesday through Sunday.


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Power Folding Outside Mirrors w/LED Turn Signals, Dual Zone Climate Control, auto defogger and air ionizer, Rear Cross-Traffic Collision Warning, Windshield Wiper De-Icer, Dual Illuminated Visor Vanity Mirrors, UV-Reducing Solar Control Glass, Heated Outside Mirrors, 10-Way Power Adjustable Driver Seat, power lumbar support, Blind Spot Collision Warning
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The Return to Popcopy
I don't normally include fan mail in my column. When a reader takes the time to write me a kind letter, I may notice the occasional errors in grammar, spelling, and judgment but I keep them to myself and a few of my friends or strangers. But I do not use this space to ridicule someone who takes the time to send me fan mail. Hate mail, however, is an entirely different story.
Three months ago, I wrote a column about an incident I had with Kinko's, where they lied to me about when they could finish my work, lied to me about when it was ready, had three out of three computers broken, had two of two color copiers "down," and loaded the wrong paper in a printer and blamed me for letting them load it. Clearly, this was all my fault.
Or so says my new internet friend, who goes only by the name of "Plato Reborn." That's right - now that one of the greatest thinkers of all time has been re-incarnated, he's working at Kinko's. We've got to do something about this economy.
"Plato" recently sent me a message informing me that I "came off as an a**hole, and we charge a**holes for everything possible." This I did not have a problem with, since that's a sound policy. It's probably why coffee costs $7 at Starbucks. Because to pay $7 for coffee, you've got to be a bit of an a**hole.
Plato went on to explain that he's been a part of the evil empire for the last seven months, and has grown increasingly "bitter" at arrogant people who think the world revolves around them. I imagine these people are so arrogant, they refer to themselves as "Plato Reborn." Oh, wait.
In Plato's denim-clad republic, "mostly all of our customers do not know how our technology works." Which is true, but that's because it doesn't work at all. I wrote my column about a day when every computer and color copier were "down." Regardless of my knowledge of the copying process, it would have been just as effective to stay at home and try to print something with my toaster.
Plato pointed out that a lot of the damage is caused by "ignorant people who load paper that is not meant to be used in laser printers" which is particularly amusing since my column detailed how that was done by one of the Kinko's employees. He also complained that parents "let their children put rubber cement on our computers," apparently upset that there wouldn't be enough to take back to the break room and sniff before the start of the next shift.
The worst insult he doled out (and trust me, there were many) was that I "obviously do not know how businesses work." "How should you," he continued. "You are a stand up comedian." Ouch. I was tempted to fire back by describing the economics classes I've aced and the companies I've started. Instead, I will merely point out the business savvy it must take to spend the last seven months working at Kinko's.
Plato closed his letter by explaining that he may be coming off harsh, but he was at Kinko's when he wrote it and was overworked since the location that employs him is quite understaffed. That's right - he read an 800-word column and crafted a 300-word response while his store was understaffed.
"Excuse me, sir? I need help with this copier."
"Would you shut up? I'm busy writing an indignant letter to this columnist. Mmmm…rubber cement."
Plato II, I thank you for your vitriolic tirade, which proved everything I'd previously written about my Kinko's experience.
Not everyone who works at Kinko's is incompetent, and perhaps some of the stores even have employees that know how to do the jobs for which they are paid. Maybe some stores don't ruin your original, don't yell at you for their errors, and actually respect you as someone who is giving them money to provide a service. And maybe, just maybe, there are even stores out there that fire employees who use company time to reply to newspaper columns. But until I see one, I will continue to assume that all Kinko's are just as poopy as the ones I've visited.
My favorite line in Plato's e-mail was that Kinko's "can do things with a copy machine that most people cannot even realize."
Oh yeah? Let's start by making a freakin' copy.


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Flights to Valencia
Our direct flights from London Gatwick (LGW) and London Heathrow (LHR) to Valencia Airport (VLC) mean that visiting this vibrant Spanish city couldn't be easier. In just 2 hours and 20 minutes you could be exploring the sights of irresistible Valencia.
British Airways flights operate from London Gatwick (LGW) to Valencia Airport (VLC) four times a week in winter – with additional flights during the summer season from London Heathrow. Valencia is the ideal destination for your city beach break. Combine the elegant architecture of Spain's third-largest city with the Mediterranean charm of its sun-drenched coastline. Find a flight that suits your budget and requirements. Why not use the Low Price Finder to guarantee the cheapest fares?


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Always sneaking up without warning and consequently inspiring nothing but confusion, Labor Day is a bit of an odd-ball holiday that never fails to catch me off guard. Here I am, finally getting used to the heat of summer and enjoying the abundance of tomatoes, and all of a sudden, you're telling me that it's officially time to transition into fall? And, what's this, school is already back in session? Not so fast! I'm not ready to relinquish my flip flops and luxuriously long days of sunlight! To add insult to the abrupt interruption, no matter who I ask, I still can't figure out what one is supposed to celebrate or even do on Labor Day, besides have a picnic, perhaps.
Well this year, I'm more prepared than ever, staying abreast of what my wall calender has scribbled on it in both print and my own handwriting, and noticing all of those pesky little "holidays" coming up. By the time we reach labor day though, it will be a welcome respite from the hustle and bustle of new classes and an insane work schedule. Perhaps I could get into the spirit of this celebration after all.
Besides, now that the veggies are about as fresh and delicious as they will ever be, the options of easy party food are practically endless. Rather than making a big to-do about these natural beauties, I prefer to let them shine with as little adornment as possible, carried by their own unique flavors. Finally digging into fresh corn, one of my seasonal favorites, it's time to use it or lose it! So delicate is this starchy and oft-mistreated vegetable that up to half of its inherent sweetness can be squandered simply within the passing of a day. As a friend of mine has said to me on more than one occasion, "If you plan to cook fresh corn, put a pot of water on the stove to boil first, and then go pick it!" While I wouldn't expect everyone to have such easy access to corn fields, do try your best to buy the corn the same day you plan to serve it, and don't leave any leftovers hanging around too long. As if that will be a real problem.
Summer Corn Salad
4 Cups Cherry or Grape Tomatoes, Halved (or quartered if large)
Olive Oil
Salt and Pepper
2 Ears Fresh Sweet Corn
1/2 Cup Caramelized Onions
1 Tablespoon Dried Fines Herbes, or 3 Tablespoons Fresh Chives (to keep things simple)
1/4 Cup Fresh Lemon Juice
Preheat your oven to 400 degrees, and line a baking sheet with aluminum foil for easy clean up.
Slice your tomatoes as necessary, and spread them out in one even layer on your baking sheet. Drizzle generously with olive oil to coat, and then sprinkle lightly with both salt and pepper. Roast for 25 – 30 minutes, until they're slightly shriveled and browned around the edges. Let cool completely.
Meanwhile, cook your corn as desired. I know that people can get very particular about this, so use whatever method you prefer. Personally, I like to get out a giant stock pot, fill the very bottom with water, and then lightly steam my ears of corn (covered) for about 10 – 15 minutes. The time will also depend on your specific corn. On the other hand, my mom tends to simply pop them in the microwave in a dish with a splash of water, and nuke 'em for 2 – 3 minutes per ear, turning them midway through. Once cooked, let the ears cool.
Use a sharp knife to strip the kernels of corn from the ears, and collect them in a large bowl. For anyone who's counting, you should end up with about 1 1/2 – 2 cups of kernels. Mix in your roasted tomatoes, caramelized onions (which I try to always have on hand for times like these… They just go so well with everything, you may just find yourself getting into the habit of cooking down a bag of onions every weekend, too!), herbs, and lemon juice. Toss well to distribute all of the ingredients, adjust salt and pepper if necessary, and chill thoroughly before serving.


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This Thursday the city is hosting a meeting on the redevelopment plans for the old Hebrew Home site at 1125 Spring Rd NW. The building is currently empty, and plans may include senior housing, market rate housing, subsidized housing or some combination of those. Other people have suggested moving residents from the Park Morton complex to the building, so that the Bruce-Monroe Park is maintained.
This is a good opportunity to give your feedback and hear about some of plans for the site, which is an impressive old building that was formerly a retirement home for Jewish people, and when that moved to the suburbs, became various city social facilities.
The meeting is 7pm on Thursday, June 2 at Raymond Rec Center, 3275 10th Street NW.
Here's more from the city, and there's a flyer above (click it for more info.)
My name is Tsega Bekele and I am the Project Manager for the 1125 Spring Road, NW, project. Thank you for your continued interest in the redevelopment of the site. As you know, this redevelopment project is currently going through Mayor Bowser's OurRFP process. On April 9th, the Office of the Deputy Mayor for Planning and Economic Development ("DMPED") and the Office of Planning ("OP") held a community engagement workshop at Raymond Recreation Center and an online engagement forum has been live since that date. I am emailing you today to let you know that the follow-up meeting for the 1125 Spring Road, NW, OurRFP will be held on Thursday, June 2nd at 7pm at Raymond Recreation Center. We hope to reconnect with residents regarding their ideas and also provide an opportunity to further prioritize their preferences for the redevelopment of the site. Please find a flyer with more information attached. You can RSVP in advance at: 1125SpringRoadOurRFP.eventbrite.com.
I hope to see you on June 2nd!


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As a result, we now have around 20 bloggers (and that number growing by the day) feeling the joy of the network (or just plugging away waiting for someone to connect).
So to support them - and celebrate their achievements - colleague Dan Thornton has come up with the genius idea of launching a weekly Carnival of the Emap Bloggers. It's an idea like the Carnival of the Mobilists that Faster Future has benefited from in the past.
The Carnival will be hosted by a different emap blogger each week - and the selection of posts that blogger highlights will be entirely their own choice - provided the post in question comes from a fellow emap blogger. They are, of course, at liberty to link to anywhere they wish on any other occasion.
I'm really looking forward to the first.
- Appropriately week one is being hosted on Friday November 30 at Dan's TheWayofTheWeb.
Please offer your support. These are green shoots in need of care and attention!


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Juvenile's Son Stomping A Chick Out After Laying Hands On His Mother During Halloween Party + Juvenile Comes In To Break Up The Fight
"The female and her boyfriend got into it with Young Juve and his mother(arguing in the parking lot) about who knows what and then it all escalates." - @TraeFirstclass
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Yesterday's discussion of the Marketplace Fairness Act, as well as Arthur Laffer's editorial on same, certainly sparked a lively discussion. It not only delivered a lot of feedback and links in the comments, but discussion on Twitter and e-mails coming in from interested parties on both sides. As promised in a later update, it proved very educational (at least for me) and I'd like to highlight a few of these for further discussion today. These include two of the most frequent points made in the forum here and two e-mails we received, one from a business owner and one from a rural, online shopper.
Item 1: This is a point brought up frequently by readers, but this particular comment seems to sum it up nicely.
I've never understood why internet sales taxes aren't simply charged in the SELLER's locality? Treat it as though the consumer is coming to the seller, rather than the somewhat more absurd notion that the seller is building a tiny little shop in each consumer's living room.
This has the added advantage of letting states compete for big retailer employers by keeping their sales taxes low.
SoRight on July 20, 2013 at 11:42 AM
This is a pretty good argument, and honestly I can't think of a single reason which contradicts it. An admittedly cursory search didn't turn up anything which would make such a proposal illegal, but this may vary from state to state, so we'd need to check in with some legal experts. But essentially, this correlates to the fact that many people travel across state lines and purchase things. If there is a sales tax in that state, they pay it at the cashier, the state collects the revenue and the person later returns home with their purchase. How is the retailer supposed to keep track of the home state of every person coming in to pick up a box of diapers? They can't. So why not treat online sales the same way? I suppose the governors are arguing that they aren't getting their share of the tax revenue when their residents shop online from e-retailers who are based in other states, but what do they do now about people who cross state lines and shop? I understand there are limits placed on how many of certain items – such as cigarettes – you can bring home over state lines, but isn't that a different debate?
Item 2: Some of our readers repeatedly brought up a constitutional question.
US Constitution, Art. I, Sec. 9:
No Tax or Duty shall be laid on Articles exported from any State.
Separate clause.
Passive clause.
It pertains to all governments in the US and all branches thereof.
It is not part of a State restrictive Section, either.
ajacksonian on July 20, 2013 at 2:55 PM
When I checked on this one, the argument seems to run into a few problems. Article 1, Section 9 is collectively known as the "Limits on Congress" section. Remembering that the document was written when the nation was envisioned as a looser collection of powerful, more independent states, it would seem that the Founders were concerned about trade between the states (much like trade between nations) and between the many states and other nations. It restricted Congress – i.e. the Federal government – from putting any form of duty or tariff on good "exported" from any of the states. The MFA doesn't deal with a federal tax, but rather giving permission for the individual states to levy a tax. Now, my best constitutional sources found two cases where this clause was invoked, but they both dealt with exports from a state to a foreign nation. I'm prepared to be proven wrong if anyone has conflicting references, but thus far it looks like Article 1 Section 9 does not apply to the MFA or any state levied sales tax.
Item 3: Online retailers have expressed many concerns. Following is a response from one such person who contacted Hot Air after the original piece was published. Rick Smith is a small business owner and member of emainstreet.org.
$1 million in sales sounds like quite a bit but frankly, it isn't. None of these family-run businesses I spoke with are in any position to retire. And these new burdens and costs are enough to put some under. Even Avalara, a major tax cloud services company has this in a whitepaper from a couple months ago: "Considering the already impenetrable maze of sales tax collection rules, businesses face an uphill battle this year. Sales tax compliance in 2013 requires more resources and expertise than most small to midsized businesses possess." – Sales Tax Survival Guide 2013, Avalara. Page 1.
"and the bill requires that free software which calculates the tax for other states must be provided for those complying". Yes it does. But as one of our groups founders states "it's free like a puppy is free". Every state is free to choose any method of "free software" to provide. Costs of complying with this can't even be fully computed by my small company now because even industry leader Avalara can't actually handle our fairly simple setup. They can do very simple calculations for our Yahoo shopping cart, sure. But they can't do anything with the other types of orders and all other business processes related to order processing. It's far more complex that people state, and if they state otherwise they either are lying or just quite simply don't understand business processes. There is no free solution here in the real world. Just in theory. The time and actual costs initially and every year are more than we can handle. It's a gold mine for the tax providers.
More importantly, I'm terrified about the audits. We quite simply can not handle up to 45 states auditing us in any given year. Small business owners wear many hats. Responding to information requests and audits would become a full-time job and one we again, could not handle. MFA only holds a business owner harmless if the free state software computes something wrong.
This covers three different points, some of which also came up in comments. First is the definition of "small business" in this bill. I'm convinced. $1M in sales rather than profits is very different and it looks like it could sweep up a lot of struggling small businesses.
The software question is a bit more murky. There certainly is a lot of verbiage in the bill which seems to do back flips to ensure that the software is not only free, but able to provide the needed information for any sale to any state. But I take Rick at his word, particularly since each state will implement it differently and there are probably holes in those protective clauses you could drive a truck through. Again, I'll defer to some lawyers on that one.
The last one, about the audits, though, seems to be covered pretty specifically in the bill.
implements each of the following minimum simplification requirements:
(A) Provide—
(ii) a single audit of a remote seller for all State and local taxing jurisdictions within that State; and
(iii) a single sales and use tax return to be used by remote sellers to be filed with the single entity responsible for tax administration.
A State may not require a remote seller to file sales and use tax returns any more frequently than returns are required for nonremote sellers or impose requirements on remote sellers that the State does not impose on nonremote sellers with respect to the collection of sales and use taxes under this Act. No local jurisdiction may require a remote seller to submit a sales and use tax return or to collect sales and use taxes other than as provided by this paragraph.
If Rick starts getting hit with 45 audits – or even two – it sounds like somebody in his state is breaking the law. But if I'm missing something in reading that code, let me know.
Item 4: This one deals not with sellers, but with shoppers, and comes to us from Rich Scheuerer of North Pole, Alaska. (Yes, there is such a place.) His concern is specific to rural online shoppers in states with no sales tax.
I have read your sales tax article at Hot Air and I am going to say that the little people in rural areas are going to get screwed big time. I live 6 miles outside the city of North Pole, Alaska (yes, there is a North Pole where Santa Claus and Kris Kringle lives year-round.). Alaska is a no income tax and no state sales tax state except for small city sales taxes. The city of North Pole has a sales tax which everyone tries to avoid by buying gas (the three gas stations charge $.30 more per gallon than Fairbanks and the two refineries are two miles away-another story) and food in Fairbanks 12 miles away. The problem is that the people that live outside the city of North Pole have the same zip code as the city of North Pole. Companies will practice zip code taxation on us and we rural outside the city limit dwellers will be illegally charged sales taxes. Even if the companies get software to identify tax areas, they won't have a GIS/Google Earth component to identify non-taxable areas so we will get taxed. It will cost a lot of time and money to get our illegally paid taxes back.
Rich brings up a couple of interesting points, but I'm not sure his specific situation applies to the discussion of MFA. As I read this, the MFA will allow states to collect taxes on sales, not municipalities. If Alaska has no state sales tax, then they wouldn't be able to collect anything from the e-retailers, would they? And, as such, the retailer would not be able to charge Rich a tax on the product at the time of sale. Or am I misunderstanding that part?
But this does tie back into item one above. If we were to change the concept of MFA so that the retailer simply charged everyone a sales tax based on the state where the seller is located, what of the people who live in states with no sales tax? I suppose this is the other half of the double edge sword from my answer to that item. It seems as if it would be treated the same as if Rich were to leave Alaska, travel to California (or wherever the seller is based) and buy something. Of course, this would discourage sales in states with no sales tax, but as so many of you have pointed out, any increase in taxes will result in some decrease in economic activity.
You are free to discuss.
UPDATE: (Jazz) I completely forgot one of the most cited comments in the original thread, which was meant to be Item 5 originally. My apologies. That was the point that Laffer's argument of the benefits of the state collecting sales tax relied on the state also lowering income tax and other fees, producing a net wash of revenue while flattening the tax burden. This, of course, relies on the state actually lowering those other taxes to be true. And given our recent history, except in a handful of very conservative states, that's pretty much a fantasy. I completely agree and acknowledge that, noting that I left it out of the original article entirely. The point was well made by many readers here.


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designer: totem
season: spring/summer 2012
date+time: wednesday 01 jun 2011 16:00
duration: 00:00 / 00:00
location: rio de janeiro
collection: women ready to wear
to see detailed photographs of this collection, click here.
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Lessons From Divorced Moms
5 Lessons We Can All Learn From Divorced Moms
Want to know how to strengthen your marriage while also juggling parenthood? Ask a mom who is divorced! As conversations here reveal, many divorced moms have done a lot of reflection on what went wrong in their marriages and on what they would change the second time around.
Here, these women share the mistakes and challenges that undermined their marriages and the hard-won lessons they've learned — wisdom that's useful for every couple raising children.
1. Create more "us" time.
When a couple decides to have children, parenting those kids should be a top priority. But some divorced members feel, in hindsight, that they were so busy with their children that they didn't spend enough time on their relationships with their husbands. As Brandi K. explains, "I feel that it is okay to have someone babysit your child for you once or twice a week so that the two of you can have time for yourselves to just be you, not Mom or Dad. People sometimes lose that individuality after they have children. That is bad because that is who you were before you had children, who the other person fell in love with."
The advice to carve out some alone time as a couple also surfaces in a conversation among members who wonder if breastfeeding might be the cause of their divorces. But other moms, including Amanda F., point out that this it is rarely so simple: "I don't think breastfeeding causes divorce, but I do believe it can have a straw-that-broke-the-camel's-back effect on a couple that has other issues in their relationship. If a woman is using breastfeeding as an excuse to neglect her husband, then chances are there are underlying issues."
2. Pay attention to the small things.
In addition to carving out more "us time," couples need to put real effort into showing appreciation and caring for their partners on a day-to-day basis, says Jessica A., who has been divorced more than once. "Today I'm 35 and married to a wonderful man, but we've both been through failed marriages and been disappointed," she says. "We both understand that a relationship is something you constantly work at and have to be completely committed and invested in. Life isn't perfect and we have issues and fight — the difference is that we are mature enough to know we have to work through them. While I wish I had waited to have kids until I was older so my kids only saw me here, I'm glad what they see today is a healthy relationship and are seeing that we are consciously working on it. I truly believe doing what it took to get here (including the divorces) was the best thing for my boys."
3. Don't play the blame game.
Some moms say they stayed way too long in marriages that were clearly unhealthy because of abuse, depression or other mental health issues, or because of pressure from friends, relatives, or members of their religious communities. Erica B., who finally fled a marriage that ws abusive for both herself and her son, describes her struggle with guilt: "I was raised not to believe in divorce. It was not an option for me. I do not believe that God likes divorce, but he also does not want us to live in fear. If we are living in fear it hinders us from doing His will."
Alison's postdivorce revelation is that it's important not to let others guilt you. "I've had plenty of people tell me I am wrong for leaving; that I ruined my daughter's life; that I'm going to hell, and that I should have worked harder to make our marriage work," she confides. "But working on a marriage will only help if both partners are willing to do so. I'm at peace with myself and with God with my choice to leave, and I know that I am giving my daughter a better life. There is always damage and fallout from a divorce. That is inevitable. What matters more than the divorce is how your life and parenting [are] handled afterward."
4. Work on your communication skills.
If JuLeah W. has one regret and piece of advice for other moms, it's that couples hone their communication skills. "We don't teach people how to listen, how to talk so they are heard," she says. "We don't teach people how to honestly ask for what they want, how to say yes, how to say no. We don't teach people how to argue, how to agree to disagree, how to 'let it go.' We don't teach the skills people need to make a relationship healthy."
5. Don't rush into marriage
Finally — and this one's a biggie — many moms confide that married life with children is almost impossibly challenging when you rush into it prematurely. For unmarried moms considering a first or subsequent try at nuptial bliss, they suggest these three guidelines.
First, know and love yourself.
Rebekah T. is one of many divorced moms who feel, in retrospect, that instead of racing down the aisle, they should have spent more time on their own, getting ready to be whole and healthy people in committed relationship. When she says, "I personally believe a big part of the problem is a lack of love," she doesn't mean love for your partner; she means love for yourself:
"When we can love ourselves enough to be really honest with who we are, and embrace ourselves, then we have a better chance of truly loving someone else and committing to them," she explains, adding that we all need to take the time to "embrace the good things about ourselves and also the things that we may need help with" before getting married.
Yalana T. agrees, sharing a personal account that reveals just how critical self love is when you have children. "My ex ... didn't love, honor, or cherish me. Instead he used me as his punching bag." Now divorced, she feels lucky to have gotten out alive: "My kids are more important to me than to allow them to see how this so-called 'man' treats their mother. If I hadn't divorced him, I might be dead right now, and my sons would be the ones bearing the brunt of his anger."
Second, don't marry until you really know one another.
In addition to understanding themselves move clearly, many divorced moms wish they'd taken more time to explore who their spouses really were rather than learning "the hard way," as Bobi M. describes the experience of being in a long struggle that ends in divorce. "You can't save a marriage when the person causing the problems refuses to change."
Third, always trust your gut.
Many divorced moms confide that they knew, deep in their guts, that something was wrong even before they married, and that they should have never even walked down the aisle. "I didn't pay attention to all the signs and needless to say, my ex and I were fighting on the day of our wedding, and continued to fight for seven years," rues Leaha R.
What's the most important lesson you learned from the end of your marriage?
The views expressed in this article are those of the author and do not necessarily represent the views of, and should not be attributed to, POPSUGAR.


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Gasoline is the quintessential non-renewable fuel, but British scientists could soon change that. They have developed a way to make gasoline not only renewable, but also carbon neutral. How is that possible? By plucking the fuel out of the air, according to New Scientist.
It sounds like alchemy or magic — an idea about as sensible as growing money on trees. But it's real. Researchers have developed a way to convert air into gasoline. In fact, the concept has been around for decades, ever since the oil crisis of the 1970s.
Here's basically how it works: first scientists collect carbon, hydrogen and oxygen from the CO2 and water that are readily present in the air. These raw materials are all that are needed to generate methanol, and methanol can be converted into gasoline.
It seems so simple that you may wonder why we haven't been getting our gasoline this way all along. Well, that's because there's just one small complication: So far scientists haven't been able to prove that the process generates more energy than it requires. The technique requires electricity for its chemical conversions, and the process cannot be viable until it is demonstrated that the energy needed as input costs less than what is gained as output.
That's where British company Air Fuel Synthesis comes in. The company has taken on the task of demonstrating that the technique works, that it produces a viable fuel, and that it can be made energy-efficient. The first half of the equation has now been settled, as the company has successfully demonstrated the conversion process.
"I take my hat off to Air Fuel Synthesis. They have taken a concept that has been around for 35 years and gotten the process going," said Peter Edwards, an inorganic chemist at the University of Oxford.
The fuel is not only viable; the company believes it will be suitable for high-performance vehicles. But the biggest benefit of the fuel is its sustainability. Since burning the fuel only releases the same carbon dioxide that was already in the air to begin with, it is carbon neutral. (That is, so long as the electricity required to make the necessary chemical conversions is sourced from renewable energy like wind or solar.)
Another potential benefit of the fuel is that it will be price-predictable. Gas prices won't fluctuate because the fuel source will be stable.
Before any of this is possible, however, Air Fuel Synthesis needs to demonstrate the vital second half of the equation: the energy-efficiency of the process. For that, the company will need a bigger plant. They expect to have one up and running by 2015. Given the success of the process so far, the company is optimistic.
"The demonstrator has given us the confidence that this next level of gasoline plant will be efficient enough," said AFS marketing manager Graham Truscott.
You can view a BBC presentation about the technology in the video at top.
Related stories on MNN:
- 10 surprisingly easy sources of alternative energy
- What is methane (and why should you care)?
- 6 surprising sources of methane


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Featured News - Current News - Archived News - News Categories
Western New York residents to enjoy 330,000 free Big Macs
The Big Mac sandwich - with its catchy jingle and elusive sauce recipe - is celebrating its 45th birthday this year. To honor this American icon, McDonald's restaurants across Western New York are planning a special party featuring a tasteful gift for thousands of Big Mac fans.
The festivities kick off on Friday, Aug. 23, when:
•Local McDonald's restaurants will begin a limited-time promotional offer: "Twoallbeefpattiesspecialsaucelettucecheesepicklesonionsonasesameseedbun" for just $1.99.
•All McDonald's restaurants across Western New York will provide their first 100 customers over age 18 with a very special gift: One free Big Mac sandwich every week for a year. That's 330,000 free Big Macs.
Some historians credit the Russian Tartars, the first to eat ground beef, as the inspiration behind the modern-day hamburger. Others say it was German immigrants settling in Cincinnati during the early 1800s who first brought the "hamburger" to America from across the Atlantic.
Yet, few would argue that perhaps the biggest universal impact on the hamburger came from a Pittsburgh-area McDonald's franchisee named Jim "MJ" Delligatti. It was Delligatti who added lettuce, cheese, pickles, onions and, most importantly, the "secret sauce," to create one of the world's best known hamburgers: The Big Mac.
Delligatti began test-marketing a seven-ingredient sandwich at his restaurant in Uniontown, Pa., in 1967. Customer response was so good, he soon introduced the sandwich at three more of his restaurants in Pittsburgh. The sandwich rolled-out nationally in 1968.
"Many local drive-ins were serving double-decker burgers at the time. So, to broaden our customer base, I decided to create one of my own. ... And I wanted it to be big!"
Consisting of two all-beef patties, special sauce, lettuce, cheese, pickles, onions on a sesame-seed bun, the Big Mac quickly gained popularity and status as an American icon.
Perhaps Delligatti's most tasteful addition to the Big Mac was the famous secret sauce. Having worked in the restaurant business for a number of years, Delligatti was familiar with the typical Russian dressing used for many sandwiches. However, he knew the sauce for the Big Mac had to be something special.
"I would make the sauce in the restaurant by hand, mixing all the ingredients together myself. It was hard work, but the customers loved it," he recalled.
Keith Reinhard, chairman emeritus of DDB Worldwide, is credited with developing the famous "Twoallbeefpattiesspecialsaucelettucecheesepicklesonionsonasesameseedbun" Big Mac advertising promotion, in 1974. The jingle gained notoriety when Max Cooper, a Birmingham, Ala., McDonald's franchisee, developed a "man-on-the-street" promotion that rewarded customers who could recite the jingle correctly in four seconds or less with a free Big Mac. Those who faltered ended up in a local radio commercial in 1974 featuring the bloopers.
Today, the Big Mac is sold in more than 100 countries around the world and has become as synonymous with McDonald's as the "Golden Arches." Approximately 550 million Big Mac sandwiches are sold each year in America alone. Japan sells the second most Big Mac sandwiches worldwide at approximately 150 million per year. The sandwich is sold in more than 100 countries and, because of its global presence, inspired The Economist Magazine's "Big Mac Index," an annual comparison of foreign currency values against the U.S. dollar.
About McDonald's
McDonald's is the world's leading global foodservice retailer with 34,500-plus locations serving more than 69 million customers in more than 100 countries each day. More than 80 percent of McDonald's restaurants worldwide are owned and operated by independent local men and women.
For more information about McDonald's, visit http://www.mcdonaldswny.com, or follow it on Facebook and Twitter.


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LETTER- Don't dehumanize transgenders
Tuesday, November 20, was Transgender Day of Remembrance, a day "set aside to memorialize those who were killed due to anti-transgender hatred or prejudice." The website rememberingourdead.org/day/what.html defines transgender as "a transsexual, crossdresser, or otherwise gender-variant" individual.
It's depressing that the Hook ran Cynthia Schroeder's interview in an article titled "Holiday howlers: The most blunderful time of the year" [November 29] the same week as the Transgender Day of Remembrance.
I don't even get how this is a story. Let's break it down: A man wanted to try on women's clothing. The store owner let him. An unrelated woman then backed into the store owner's car. Since then, the store owner has decided men should not cross-dress. If this woman wants to exclude a group of people from her private business, fine, but it's ridiculous for the Hook to publish this as a humorous story that condones her bigotry.
The Hook dehumanizes cross-dressers and other transgender individuals with this story by making them a punch line in a joke and celebrating their exclusion from a business. It's exactly this kind of attitude that protects members of our society who commit violent acts against
transgender people merely because they do not conform to our notions of what it means to be a man or a woman.
Rachel Vogus


text:
When export or try to run a sql script into sqlite and have the "COMMENTS" keyword usage, sqlite arent able to procesed the script, due stupid developers does not handle support since many years:
LOOK HERE: http://sqlite.1065341.n5.nabble.com/Feature-request-add-support-for-COMMENT-statement-td69401.html
so the solution its to grep and replace (take easy, u can made it in geany of venenux) using a regular expresion:
1) open geany
2) load the script
3) menu->search->replace
4) marks use regular expr
5) the word to search will be COMMENT \'.*\'
6) the word to replace it will be empty
7) pull down avanced "Replace all" and select Document
8) that's all
now at least COMMENT keyword was eliminated from script and sqlite can procesed the sql.
mysql to sqlite: COMMENTS error near - SOLUTION
Labels: error near, mysql, sql, sqlite, sqlite field COMMENT
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text:
BERLIN -- Germany handed Afghanistan's security forces control Sunday of a key military base in the country's northern province of Kunduz, where German troops spent almost a decade as part of the international effort to combat Taliban insurgents.
The handover is part of the gradual pullout of Western forces due to be completed by the end of next year.
The Kunduz base, which lies some 250 kilometers (155 miles) north of Kabul, shaped the German armed forces "like hardly any other place," German Defense Minister Thomas de Maiziere said according to prepared remarks. Nowhere else since World War II have more German soldiers died in combat.
"(We) built, fought, cried and consoled, killed and fell here," de Maiziere was quoted as saying.
Some 20,000 German troops were deployed in Kunduz during a 10-year operation, and 20 of Germany's 35 combat deaths in Afghanistan occurred in the province. Another 17 died of noncombat injuries, including seven who were killed in a 2002 helicopter crash in Kabul.
For many Germans, the base is synonymous with a 2009 NATO airstrike ordered by German forces that killed 91 Afghans and wounded 11, most of them civilians.
De Maiziere made an indirect reference to the incident, which caused a political furor and the resignation of several senior German officials at the time.
"Kunduz was also the place where grave decisions were made, had to be made," he said. "It is a place where there were many deaths -- on all sides. Let us today remember all of these deaths together."
Germany, the third-largest international troop contributor in Afghanistan after the United States and Britain, plans to reduce its force levels in the country from 4,000 to about 800 by 2015. Those remaining will be stationed in the northern city of Mazar-i-Sharif, responsible largely for training and support of Afghan troops.
The U.S. is expected to keep about 10,000 troops in Afghanistan as a residual force after 2014, but no final decision has been made.


text:
Revproxy is a reverse proxy for Ocsigen.
This module allows to transmit some requests to another Web server using the HTTP or HTTPS protocol. For example if you want to use Ocsigen together with another Web server (Apache, Tomcat, etc. or even another Ocsigen).
To use the reverse proxy, first load the extension from the configuration file:
<extension findlib-package="ocsigenserver.ext.revproxy"/>
Then configure your hosts as in these examples:
<revproxy suburl="(.*)" dest="http://my.newaddress.org:8080/\1"/> <revproxy suburl="dir/(.*)\.html" dest="https://my.newaddress.org/\1.php"/> <revproxy fullurl="http://(.*).mydomain.org:(80|8080)/(.*)" dest="http://\1.my.newdomain.org:\2/\3"/>
regexp is a regular expression using PERL syntax (PCRE). The destination URL is built from dest, where \i corresponds to the i-th part between parenthesis of the regular expression (was $i in older versions).
Add the attribute keephost="keephost" if you want to send the original Host header to the distant server. Otherwise, it will be computed from dest.
Add the attribute nopipeline="nopipeline" if for some reason you don't want to pipeline reverse proxy's requests. With that option, the reverse proxy will open a new connection for all requests, instead of trying to reuse connections. You probably don't need that, but if you do, please contact us to tell us what is the problem. Thank you!
You probably also need to rewrite locations in the output (if the server is doing redirections). For example:
<outputfilter header="location" regexp="http://my.newaddress.org/(.*)" dest="http://my.publicaddress.org/\1"/>
Note that if you are using ocsigen behind a reverse proxy handling X-Forward-For and X-Forward-Proto headers ( like the revproxy module ), you should allow ocsigen to use those informations, using accesscontrol extension
<if> <ip value="ip of the proxy"/> <then> <allow-forward-for/> <allow-forward-proto/> </then> </if>
Technical details
- The reverse proxy does no caching for now.
- The reverse proxy does pipeline the requests for server it trusts for pipelining. But current trusting criteria are probably too strong. They will probably evolve soon.
The old syntax was (before 1.2):
<revproxy regexp="(.*)" server="my.newaddress.org" port="8080" uri="$1"/> <revproxy regexp="dir/(.*)\.html" protocol="https" server="my.newaddress.org" uri="$1.php"/>


text:
Blue Jays finish sweep of Red Sox
When Bobby Valentine came to the mound in the ninth inning Sunday afternoon, Clay Buchholz tried to hand him the baseball. The manager, he assumed, had come to take him out of the game.
But Valentine told him to keep it. He was there only to gauge whether Buchholz wanted to stay in and clean up his own mess.
The Toronto Blue Jays had runners on first and third with one out in a tie game. Buchholz had thrown 113 pitches, but Valentine felt he had earned the right to determine his own fate.
"All year long, Clay's been totally honest with me, every chance,'' Valentine said.
Faith and honesty weren't enough for the Red Sox. Buchholz allowed the go-ahead run to score as the Blue Jays completed the series sweep with a 4-3 victory.
Rajai Davis singled with one out in the ninth and stole second. He took third when Anthony Gose singled. Valentine came to the mound at that point and Buchholz gave him the answer he wanted.
"I was like, 'Go back to the dugout. I'm going to try and get a ground-ball double play right here,' '' Buchholz said. "I'd rather they put it all on me.''
The double play was foiled when Gose stole second. The Sox intentionally walked pinch hitter Kelly Johnson to face 45-year-old Omar Vizquel.
Buchholz got ahead 0-and-2 and tried to throw a cut fastball inside. But the ball stayed out over the plate and Vizquel managed to hit the ball deep enough to left field for a sacrifice fly.
"Clay made good pitches the whole night. He deserved better,'' Valentine said.
Vizquel has driven in five runs all season, two of them in what was his last game at Fenway Park before retirement.
"I was thinking when they walked Johnson, 'Wow, what a way to go out if I can just get the RBI in and win the game.' That's exactly what happened. It was very nice,'' Vizquel said.
The Sox have lost four straight, 11 of 12, and a staggering 16 of their last 20 games.
At 63-78, the Sox are 15 games under .500 for the first time since they finished the 1992 season 73-89.
Buchholz (11-6) allowed seven hits, all singles. Six of the hits contributed to the four runs.
Buchholz had a 2-0 lead going into the fourth inning. Singles by Davis, Gose, and Jeff Mathis accounted for one run. Vizquel followed with a sacrifice fly to left field.
Adeiny Hechavarria's RBI single to left field gave Toronto a 3-2 lead.
The Sox scored all three of their runs off Toronto starter Carlos Villanueva on home runs.
Cody Ross drew a walk with one out in the second inning and jogged around when Jacoby Ellsbury drove a changeup just over the back wall of the Red Sox bullpen.
Villanueva left the pitch up and over the plate after falling behind 2-and-1. It was the third homer of the season for Ellsbury.
Valentine dropped Ellsbury to sixth in the lineup for the game, the first time he has hit in that spot since 2009. Ellsbury was in a 5-for-36 slump and hadn't had an extra-base hit or a run batted in since Aug. 27.
"He's working real hard, "Valentine said before the game. "Talked to him about how he was feeling yesterday. He feels good. He says at any time he could just get hot as a firecracker.''
Ellsbury was not available for comment after the game.
Trailing, 3-2, the Sox tied it in the sixth when Dustin Pedroia homered to left. It was his 14th of the season.
The Sox otherwise struggled offensively with leadoff hitter Ryan Kalish playing a role in that.
Kalish had a single in the first inning and was bunted to second by Scott Podsednik. When Pedroia grounded to third, Kalish tried to advance to third and was tagged by Brett Lawrie, who then threw to first for a double play.
"The play was right in front of him,'' Valentine said.
Kalish drew a walk with two outs in the fifth and was picked off first by Mathis, the catcher. For a team having so much trouble scoring, making two outs on the bases was particularly egregious.
"He hasn't played a lot and that's why he is playing, so he can learn,'' Valentine said. "Those are learning situations.''
The Sox got a leadoff single from James Loney in the bottom of the ninth. Ross followed with a long foul ball to left field that was foul by only a few feet.
"Thought I had it. But it took a left turn and unfortunately went foul,'' said Ross, who then struck out looking at a curveball from Casey Janssen. Ellsbury followed with a fly ball to deep center before Mike Aviles fouled out.
Toronto's bullpen threw three scoreless innings, with Brandon Lyon (2-0) getting the win.
Many in the crowd hung in until the end of the game only to leave disappointed. At this point, the final 21 games can't come fast enough.
Valentine was glum even before the game after answering a series of questions related to injuries, underachieving players, and other setbacks that have marred the season.
"Only three more weeks of this,'' he said on his way out of the room.
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text:
It Pennywise Costume Beige Polyester Doll-like Cosplay Costume
Movie: It
Character: Pennywise
Color: Black; Size: Regular size/ Custom-made
Including: Top+ Trousers+ Shorts+ Collar
Material: Polyester
Size chart
Measure a shirt with a collar that fits you well. Lay the collar flat, and measure from the center of the collar button to the far end of the button hole. The measurement in inches is your collar size. (Alternatively, measure around the base of your neck.)
With arms relaxed at your sides, measure around your chest at the armpits, over the highest part of your chest and shoulder blades, keeping the tape parallel to the floor.
Measure around your waist, in your underwear, at the point where your trousers would normally ride. Keep one finger between the tape and your body.
Stand with your heels together, and measure around the fullest part of your hips, keeping the tape parallel to the floor.
Bend your elbow 90 degrees and place your hand on your hip. Hold the tape at the center back of your neck. Measure across your shoulder to your elbow, and down to your wrist. The total length in inches is your sleeve length.
If possible, get a friend to help. With arms relaxed at your sides, measure the fullest part of your bust, keeping the tape parallel to the floor.
Bend your elbow 90 degrees and place your hand on your hip. Hold the tape at the center back of your neck. Measure across your shoulder to your elbow, and down to your wrist. The total length in inches is your sleeve length..
Measure around your waist, in your underwear, at the point where your trousers would normally ride. Keep one finger between the tape and your body.
Stand with your heels together, and measure around the fullest part of your hips, keeping the tape parallel to the floor.
Hold the tape at the center back of your waist. Run the tape between your legs, pulling comfortably at the crotch, and up to your natural waist in front. The total measurement is your rise.
Stand in stocking feet, with feet together and back to a wall. Measure from the floor to the top of the head.
Measure around the waist (not over pants) at your child's natural waistline.
Garment Inseam
Measure a similar pant that fits your child well. Measure pant from the crotch intersection down to the bottom of the pant.
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Email: email@example.com
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Customer ReviewsWrite a review
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Took a long time to get here but my favorite swimsuit. Totally love!
A little too short to wear alone. Probably depends on the frame of the person. Wife looks incredible in it though.


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Powell: Fly off the 'fiscal cliff' to smarten people up
What's the big deal President Obama is making about raising tax rates on the rich? It's not that the federal government would get crucial revenue that way — only enough to finance itself for a few extra days. And it's not that the federal government needs taxes for revenue in the first place, as it can just print whatever money it needs, which is pretty much what it already is doing, with the Federal Reserve purchasing and thus monetizing most of the Treasury Department's borrowing.
At the federal level taxation is not really a matter of revenue at all but rather one of redistributing or balancing income and thus power in society, a matter of social control and political fairness. Since income inequality long has been worsening, in large part because the wealthy, with ready access to money, are better able to exploit the inflation engineered by government, fairness argues for raising taxes on the wealthy.
But there may be a better argument for Congress to refuse the president's tax-raising demand and to let the government fly off the so-called fiscal cliff at the end of the month, whereby taxes would be raised on everybody and spending would be cut across the board. That is, the federal government is simply too big and stupid and urgently needs to make some choices before it consumes the whole economy.
After all, the futile, fantastically expensive, and half-hearted war in Afghanistan, so damaging to our soldiers, continues only because Americans don't have to pay for it with taxes or, say, reductions in Social Security benefits. And farm subsidies, so damaging to markets, continue only because Americans don't have to pay for them by, say, giving up the income tax deductions for home mortgage interest or charitable contributions.
Flying off the "fiscal cliff" may compel Americans to start paying more attention to what is done in their name with their money or with money their children will have to repay if only through a devalued currency. That would be about time.
• • •
People who work with the mentally ill won't be surprised by developments in the story about the barefoot vagrant in Times Square in New York for whom a compassionate city police officer was famously photographed buying and delivering winter boots.
As it turns out the vagrant soon was back on the street panhandling without the boots, which he may have sold for alcohol or drugs. And far from neglecting him, government long has placed him in an apartment with various welfare benefits, and he has repeatedly rejected more help from the city agency that looks after the homeless as well as help from his own family. The man's brother explained ruefully that vagrancy is just the lifestyle he has chosen.
Of course mental illness impairs choices. But a free country can't just lock up someone who is mentally ill and make his decisions for him unless he is a manifest danger to himself or others. Social workers can't do much more than guide, nudge, and cajole such people. This often fails. Sometimes not, but the Times Square story suggests that compassion has a better chance with the mentally ill on the street when it is routed through an agency with some experience in the thankless and heartbreaking work.
• • •
The secretary-treasurer of the Connecticut AFL-CIO, Lori Pelletier, complains that repealing collective bargaining for state government employees, as proposed in this space, would violate their constitutional right to freedom of association. Not so.
State employees could continue to associate all they wanted, to maintain their unions, and to control Connecticut's Democratic Party and thereby control and cannibalize state government as they long have been doing. Rather, if collective bargaining for state employees was repealed, state government simply would not be required to bargain with the unions, and thus, theoretically, someday, under new leadership, state government might begin to represent the public instead, putting the public interest first unconditionally.
Chris Powell is managing editor of the Journal Inquirer in Manchester.


text:
Oops! The input is malformed!
Originally published March 10, 2010
Pointserve is an Austin-based company delivering Economic Resource Optimization (ERO) software for businesses predominately needing solutions for managing distributed resources, third-party service networks, equipment dealer networks and fleets of various types. Pointserves ERO solutions enable customers to predict demand, then plan, schedule and execute in a way that maximizes value across their extended enterprise. Pointserve recognized a strategic opportunity to address the small and mid-sized mobile services market with a SaaS-based scheduling offering but a key component of any solution to the SMB market is ease of integration. To expand its addressable market, Pointserve needed to offer rapid, repeatable integration at a low cost. Pointserve capitalized on Pervasive Data Integrator to capitalize on the opportunity.
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text:
Chris Hadfield / CSA via Twitter
The Andes mountains blur to the horizon in a cold Pacific fog. http://pic.twitter.com/cc3H8Yog
Canadian astronaut Chris Hadfield's creative side seems to be firing up the warp drive: He has sent out more than a dozen pictures of Earth as seen from space over the past couple of days. He's getting ready for an Earth-plus-space singing session on Friday, in collaboration with Barenaked Ladies' Ed Robertson. And speaking of warp drive, he'll be chatting with Captain James T. Kirk of the Starship Enterprise, a.k.a. William Shatner, on Thursday during a webcast presented by the Canadian Space Agency.
It's a marvel that Hadfield, who flew up to the International Space Station in December and is due to become the station's commander next month, has any time left to do actual astronaut stuff. But apparently he does.
"Good morning, Earth! A full Monday of science experiments in colloid suspension, Biolab, and overnight fluid physics liquid bridge," he reported in an Google+ update. "But first, breakfast!"
To be fair, Hadfield isn't doing all this outreach by himself: It's no secret that his son, Evan, is helping to manage the astronaut's Twitter and Google+ traffic as well as other Earthside affairs. But there are some things not even Evan can handle for Chris — for example, Thursday's live exchange with Shatner at CSA headquarters in Quebec. A fellow Canadian astronaut, Jeremy Hansen, will be the host for the 10:30 a.m. ET webcast, with dozens of visiting "space tweeps" in attendance. To keep up with the conversation via Twitter, follow the hashtag #CSATweetup.
Then there's that duet with Robertson. Hadfield has already made a name for himself as the singing (and guitar-playing) astronaut, and Friday's song session seems likely to add to that reputation. The song will be posted to CBC Music, so that students across Canada can learn it in time for the annual Music Monday celebration on May 6. Check out this news release for the details — and give a listen to this CBC video clip for a preview. Farther down, you'll find a few more of the pictures Hadfield shared via Twitter:
A video clip from CBC music shows astronaut Chris Hadfield and Barenaked Ladies' Ed Robertson preparing for the first space-plus-Earth song premiere.
Chris Hadfield / CSA / NASA via Twitter
Where the Mississippi enters the Gulf of Mexico. The soil of America's heartland forming a vast, deep delta. http://pic.twitter.com/Dctu8ipH
Chris Hadfield / CSA / NASA via Twitter
"It's a bird, it's a plane, it's ... a river in South America." http://pic.twitter.com/pzBKwgwu ... Here's what Jason Major says about the image on Google+: "This view is looking west along the Rio São Francisco in eastern Brazil, Belém de São Francisco is the city at the upper right."
Chris Hadfield / CSA / NASA via Twitter
Chris Hadfield said: "This African lake is begging for me to draw a face on it. Anybody up for a Photoshop challenge?" Elisabeth Ienzi paid tribute to Charlie Brown, while Emma Dawn tweeted: "Oh, come on. That's definitely a gorilla." Hadfield said on Google+ that Dawn's gorilla was the best Twitter entry.
Chris Hadfield / CSA / NASA via Twitter
In honor of Sunday's Super Bowl, Chris Hadfield passed along this picture of New Orleans. "I can see the Superdome!" he said. Can you?
More wonderful views and music from space:
- Canadian astronaut beams down amazing views
- Space guitar hero marks musical milestone
- A heroic flute duet on Earth and in space
- U2 concert adds a surprise from orbit
Alan Boyle is NBCNews.com's science editor. Connect with the Cosmic Log community by "liking" the log's Facebook page, following @b0yle on Twitter and adding the Cosmic Log page to your Google+ presence. To keep up with Cosmic Log as well as NBCNews.com's other stories about science and space, sign up for the Tech & Science newsletter, delivered to your email in-box every weekday. You can also check out "The Case for Pluto," my book about the controversial dwarf planet and the search for new worlds.


text:
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text:
I've always said that the iPad would be a great solution for bringing board games to the digital era, Risk: The Official Game HD proves it.
Electronic Arts' version of the official Hasbro board game doesn't add a lot new to the classic strategy board game, but it does deliver a polished board game experience on Apple's iPad.
At $6.99, the game lets three to six players, human or computer-controlled, take turns battling over the fate of countries, continents and eventually the world. The game includes single player, pass-and-play and the ability to challenge other game owners locally on multiple devices. What it doesn't include is online play. Another thing I'd love to see hit this as an add-on are some of the wonderfully complex, oddball Risk variations like Black OPS, Castle Risk and Secret Mission.


text:
Freedom - Rolling [Unsigned Hype]
Welcome to the Freedom Movement. Here's the new mixtape-video song called "Rolling" love your feedback. Lookout for it on Worldstarhiphop.com FREEDOM VIDEO MIXTAPE MOVEMENT FREEDOM RECORDZ x XYION
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text:
So… it's finally got to that point where I have to announce something I've been working on for goodness knows how long. It's been playing on my mind for what feels like forever. But yeap, Im writing a book.
I just wanna take some of those questions people have a long the line of blogging and have a definitive answer to them all in the same place. Taking away that kinda nervousness about starting something new and different.
I dont think Im a writer or an author now, and to me Im just looking at it like a bunch of blog posts but printed out on some fancy looking paper. I'll always be a blogger/vlogger at heart I just felt like the opportunity to write a book in mainstream medium was an opportunity I couldn't turn down.
I've legit been doing this about a year now so it's pretty insane thinking how far there is still to go. As soon as I get all the info about when its published and preorders I'll of course let you know. As I name the book and all that jazz I'll let you know. I know it's tentatively scheduled for September though… so yeah. IM DOING A BOOK OMG.