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- 3 Years Insurance
- 3 Years Servicing
- 3 Years Tax
- 3 Years Warranty
These prices are based on the Higher Rate Motability Component. Pricing and offers are correct at the date of publication and are subject to confirmation. Pricing may not be accurate as pricing is updated quarterly. Unless otherwise stated, metallic paint at extra cost. Library image for illustration purposes only.
Fuel: Petrol
Body: Hatchback
Trans: Automatic
Automatic rain sensing wipers, Front assist (AEB), Comfort suspension, Bluetooth Handsfree Phone Connection, Multi-Collision Braking, SEAT logo boot release, Outside temperature gauge, Electric folding door mirrors...
It's easy with Motability! You choose the car, we do the rest.
Combined - 58 mpg EC Extra Urban - 61 mpg EC Urban - 51.
Insurance Group
Insurance groups range from 1 to 50 and dictates the cost of the vehicles insurance. The higher the group, the higher the insurance will be for the vehicle.
Performance (BHP)
BHP rates the engine performance of vehicles and stands for the brake horsepower.
CO2 (g/km)
CO2 is the amount of carbon dioxide emitted by the vehicle in grams per kilometre travelled, the lower the CO2 emissions the cleaner the vehicle is for the environment.
Number Of Seats
The total number of seats in the vehicle.
Road Tax
Road Tax is based upon the CO2 emissions of the vehicle and is split into 13 bands from A to M. The higher the letter the greater the cost of tax paid to drive the vehicle on public roads. In addition to the road tax detailed below, any vehicle that had a manufacturers retail price in excess of £40,000 when first sold, attracts a road tax supplement of an additional £320 per year. This is charged until the vehicle is 6 years old.
Ten Second Review
SEAT's Ibiza, now in its fifth generation, has been a budget alternative to the Volkswagen Polo for over 20 years. It's now smarter, better equipped and more sophisticated, especially in frugal 1.0 TSI petrol guise.
SEAT's Ibiza has always been quite an endearing little supermini, provided you could stretch to the more sophisticated engines fitted to plusher, more powerful models. If budget or circumstance restricted you to an entry-level variant, things were very different. The cheapest versions of this model have often been saddled with the lowest-tech engineering offerings that the Volkswagen Group had to offer. But not now. In more recent times, Ibiza buyers have had access to one of the most sophisticated engines the Volkswagen empire makes, a three cylinder 1.0 TSI petrol unit. It's an engine also used in Volkswagen's Polo, Skoda's Fabia and Audi's A1 and offers the kind of performance you'd expect from a much bigger powerplant.
Driving Experience
The 1.0-litre TSI petrol engine is perfectly suited to the Ibiza. Its power begins to come in low down in the rev range and it pulls the hatchback strongly for such a compact unit. The three-cylinder engine produces either 95PS and 160Nm of torque. Or 115PS and 200Nm in the higher powered sportier FR model which can be ordered with optional DSG automatic transmission. For such a reasonably priced car, these figures are impressive. On the road, the numbers translate into very easy progress. The torque is provided at a lowly 1500rpm, meaning even at very low revs, the Ibiza 1.0 TSI pulls well. It doesn't have much of a top end though, so to maintain swift progress, it's better to change gear early and ride the swell of torque. In the 95PS version, 62mph from rest takes 10.4s en route to 119mph. As for on the road driving dynamics, well SEAT says these have been improved thanks to the adoption of a hi-tech MQB platform that is 30% stiffer. As before, there's an optional 'SEAT Drive Profile' system that offers adaptive damping with two modes - comfort or sports-oriented. The Comfort/Sport selector switch also influences the feeling of the power steering and it'll alter the shift times of the DSG gearbox where automatic transmission has been specified.
Design and Build
The MK5 model version of this SEAT isn't available in three-door form any more, but the Spanish maker says it retains plenty of sporty style potential customers tend to want. From a styling perspective, it's clearly an Ibiza, but one that has undergone a process of evolution, with a so-called 'x-shaped' design that looks more dynamic than before. The front and rear overhangs are very short and at the front of the car, triangular full-LED headlights dominate. The longer wheelbase and window graphics accentuate the size of this model too. Under the skin, the car is based on the Volkswagen Group's MQB platform, which is also used in Volkswagen's Polo. The Ibiza is also bigger in fifth generation form, 87mm wider than its predecessor, while the 2,564mm distance between the axles represents a 95mm increase over that pre-2018 MK4 design. As a result, if you happen to own an older Ibiza, you'll find that legroom in the back seats has increased by 35mm, while headroom has increased by 17mm in the back and 24mm in the front. The seats are 42mm wider and the boot area is 63-litres bigger, bringing total capacity up to a class-leading 355-litre figure. The loading height has also been lowered. Other things Ibiza regulars will notice inside include the fact that the controls and instruments are more driver-orientated and the cabin feels of higher quality, thanks to colour-personalisable LED lighting, an 8-inch centre-dash touchscreen and a 'Full Link' connectivity system.
Market and Model
The 1.0 TSI petrol engine we're looking at here comes with a choice of 'SE', 'SE Technology', 'FR', 'FR Sport', 'XCELLENCE' or 'XCELLENCE Lux' trim. Prices start at just over £16,000, which means a price premium of about £300 over the older-tech 80PS 1.0 MPI unit; we'd say that was well worth paying. All variants offer this unit in 95PS form, but you have to avoid the base 'SE' variants if you're to get the option of the pokier 115PS version of this powerplant. If you go for that uprated unit, you'll also be offered the option of DSG auto transmission. As for equipment, well the full-LED headlights are a highlight. Plus most models get 'Apple CarPlay' and 'Android Auto'/'MirrorLink' 'phone connectivity, plus buyers can specify a premium 8-inch touchscreen and a wireless charger with a GSM amplifier. In addition, there's the chance to add in a thumping 300-watt 'Beats' Audio system with 7 speakers and an 8-channel amplifier. Other features buyers might want include keyless entry with a 'heartbeat' engine start button, front and rear parking sensors and a higher quality rear view camera. 'FR' and 'XCELLENCE' variants get colour-personalisable LED interior lighting too. Safety-wise, there's 'Front Assist' autonomous braking, Adaptive Cruise Control and a 'Traffic Jam Assist' feature that can take over the driving from you at very low traffic jam speed.
Cost of Ownership
Being able to dip into the Volkswagen Group parts bin for the niftiest tech usually means a very low overall cost of ownership and that's certainly the case here. The entry-level 1.0-litre TSI 95PS petrol model delivers a combined fuel economy of up to 51.4mpg (WLTP), which equates to a CO2 figure of 104g/km (NEDC). For the 115PS version of this unit, the figures are up to 48.7mpg and 107g/km in manual form, or up to 45.6mpg and 111g/km as an auto. A start/stop system, which switches off the engine when the vehicle is at a standstill, is available across all current SEAT Ibizas. What else? Well there's SEAT's usual three year/60,000 mile warranty. That's unexceptional when rivals like Toyota and Hyundai offer five years of cover as standard and Kia offers up to seven years. However, the SEAT deal is extendable, so you might be able to negotiate on that. And it includes two years of Europe-wide roadside assistance.
By Car & Driving
If you're looking for a new SEAT Ibiza 1.0 TSI 115 Xcellence [EZ] 5dr DSG Petrol Hatchback for sale, you've come to the right place. At Bristol Street Motors we don't just have the best SEAT Ibiza 1.0 TSI 115 Xcellence [EZ] 5dr DSG Petrol Hatchback deals, we also offer friendly advice and help with all your enquiries to ensure your buying experience is a happy experience.
What are you waiting for? Make an enquiry online using the link above or call one of our friendly sales advisors today.
Key Standard Features*
- Metallic - Mystery blue
- Metallic - Midnight black
- Metallic - Urban silver
- Metallic - Nevada white
- Metallic - Magnetic grey
- Metallic - Eclipse orange
- Metallic - Desire Red
- Solid - Emocion red
- Metallic paint
- Solid paint
- Special solid paint
- Special Solid - White
- Microsuede cloth - Black with muscat stitching
- Tyre repair kit
- Alcantara/Simil leather - Black with contrast stitching
Body Glass
- Automatic rain sensing wipers
- Dark tinted rear windows
- Electric front windows
- Electric rear windows
- Front assist (AEB)
- Hill hold control
- Comfort suspension
- Bluetooth Handsfree Phone Connection
Driver Aids
- Multi-Collision Braking
- Rear parking sensor
- Cruise control
- Power Steering
Driver Convenience
- SEAT logo boot release
Driver Information
- Outside temperature gauge
- Trip computer
- Digital clock
- Low fuel warning light
- 'Lights On' Remainder warning buzzer
- Satellite navigation system with 3D mapping, 8" touch screen, voice control and additional USB port
- Full Link Smartphone Integration with Mirror Link, Apple Car Play, Google Android Auto
Driving Mirrors
- Electric folding door mirrors
- Auto dimming rear view mirror
- Electrically adjustable and heated door mirrors
- Atom grey door mirrors
- SEAT USB media cable
- CD player
- 6 speakers
- Steering wheel mounted controls
- Digital Audio Broadcast (DAB) Tuner
- USB port
- Auxiliary input socket
- Radio/MP3 player
- SD card slot
Exterior Body Features
- Anti theft roof antenna
- Body colour door handles
- Body colour bumpers
- Chrome grille
- Chrome side window trim
- Chrome front grille frame
Exterior Lights
- Rear fog lights
- Automatic headlights
- Electric headlight adjustment
- Cornering front fog lights
- LED daytime running lights
- LED tail lights
- Coming/leaving home lighting function
- Full LED headlights
- Dual zone climate control
- Dust/pollen filter
Interior Features
- Gear shift indicator
- Front centre armrest
- Height/reach adjust steering wheel
- Glovebox
- Front cupholders x 2
- Leather handbrake
- Leather dashboard
- Leather steering wheel and gear knob
- Storage box under drivers seat
- Alcantara/Simil leather upholstery
- Passenger sunvisor
- Steering column mounted gear shift paddles
- Microsuede cloth upholstery
- Door and steering wheel ice metal decorative inserts
Interior Lights
- Illuminated boot
- Front courtesy lights
- Front reading lights
- Instrument lighting with brightness control
- Multi-colour ambient interior lighting
- Full LED headlight pack - Ibiza
- 3 point seatbelts on all 3 rear seats
- Front side airbags
- Seatbelt warning
- Active front headrests
- Curtain airbags
- Tyre pressure monitoring system
- Driver/Front Passenger airbags
- Child locks on rear doors
- Front passenger airbag deactivation
- Tiredness recognition system
- Height adjustable driver's seat
- Front seatback pockets
- Height adjustable front/rear head restraints
- 3 rear headrests
- Height adjustable passenger seat
- 60/40 split folding rear seat
- Rear top tether child seat ISOFIX attachment
- Remote central locking + deadlocks
- Locking wheel bolts
- Electronic engine immobiliser
- Volumetric alarm with back up horn
- Keyless entry and go
Vanity Mirrors
- Driver's sunvisor with ticket holder/vanity mirror
Wheels - Alloy
- 17" Dynamic alloy wheels
- 0 to 60 mph (secs)
- 0 to 62 mph (secs) 9.3
- Engine Power - BHP 115
- Engine Power - KW 85
- Engine Power - PS
- Engine Power - RPM 5000
- Engine Torque - LBS.FT 148
- Engine Torque - NM 200
- Engine Torque - RPM 2000
- Top Speed 121
Terms & Conditions: Every effort has been made to ensure the accuracy of the information shown. However, errors do sometimes occur. The specification of each vehicle listed on the Bristolstreet website is provided by "CAP". Please note that the Images of each vehicle are range shots, these can include images which do not reflect the precise details of the vehicle you are looking at and are purely used for illustrative purposes. The inclusion of such data does not imply any endorsement of any of its content nor any representation as to its accuracy.
*Vehicle reviews are conducted by an independent reviewer, information, images and specifications included may not be correct.


text:
I am looking for an individual who is willing to guide me in my pursuit to publish my research in Behavioral Accounting. My study looks into the phenomenon of First Year Shock (FYS) and how it affects firm dynamics and the personal motivation of the new hire in industry. I completed the orignal study in my dissertation and presented the results at the GAAE Annual Meeting in February where it was positively received. I am now in the proocess of performing a 2 year update with the same population to confirm my original results. I believe I will be successful and I want to publish those results; however, I have never published an article in the top journals and I do not have anyone at my organization who can mentor me in the process. Thus, I need guidance and I'm turning to my AAA brethren to set me on the right path and assist with the editing process.
I appreciate this AAA community and look forward to the opportunity of adding value to the knowledge base. I will be glad to send more information to anyone interested.
Thank you,
Dr. Tim Naddy, CPA, CFE
706.331.5455 cell
Thanks for visiting the AAA Career Center! We have updated our website to create a one-stop shop for everything careers! Please take time to explore our resources targeted especially for job seekers and employers. Check back regularly to view newly added resources and recruiting events. Feel free to contribute to this discussion forum with any questions, comments or best practices that you would like to share.
If you have any questions about the site or the Career Center, feel free to contact us, at firstname.lastname@example.com or 941.921.7747.
Feel free to email me also at firstname.lastname@example.com.
Just a general question related to a noticable absence of opportunities as it relates to Resident Scholar positions in industry. I have always viewed the Resident Scholar as one who has the ideal academic life: one foot in teaching and research helping build the knowledge base and the other foot in industry where problems are defined and consulted upon using said research. However, not many companies seem to be interested in this dynamic relationship any longer.
So, my question is: Has the Resident Scholar position been phased out or are companies being more selective with whom they bring into their organization?
If Resident Scholar positions do exist, then where do I go to find them?

subset: commoncrawl


text: Adobe Photoshop CS5 is the latest version available right now. We're pretty sure it's expensive, but since everyone just downloads pirated copies of it, no one is really sure. Just The Facts. Every image you see online has been photoshopped at least a little, except from the images on which have been photoshopped a lot. Except for the images in the "Images You Can't Believe Aren't Photoshopped" articles. Photoshop has a tool to make boobs bigger. Approximately 19 people have actually paid for Photoshop. Photoshop is celebrating its 20th anniversary in 2010. Actually, the full version only costs $199 if you are a student. Cracked on Adobe Photoshop CS5. Photoshop is an image manipulation tool. Just about every single image you see in print or online has been photoshopped at least a little. Most of the time you can't even tell. Photoshop CS 5 (Creative Suite 5), is the latest version of Photoshop. It has even more tools to trick people into thinking that your fakes are real. Photo Fakes. You know that in the movies, actors use CGI to make their junk big and their boobs post-partum sized (see article: CGI Boobs: 7 Special Effects Stars Want to Keep Secret ). Well, that takes a lot of video editing. In print, thanks to Photoshop, it's WAY easier, and therefore, happens ALL THE TIME. If you look closely, you'll see that Keira Knightly actually does not have a tribal facial tattoo. Most people can't tell fake photos from the real ones. Check out Cracked article The 15 Most Shameless Fake Photos Ever Passed Off As Real for some examples of the tomfoolery that Photoshop has wrought on us. In 2006, Reuters was fooled by their own photographer, who added more smoke (using the clone tool, infra ) and made the smoke blacker using the Time Magazine Tool. The FBI released this photo (the center photo) of what Bin Laden might look like with gray hair, now that America has blown up everything around him. The first photo is what bin Laden looked like a long time ago. The middle photo is what the FBI thinks he might look like now. The photo on the right is taken from Spanish politician, Gaspar Llamazares's, campaign photo, and it was used to Photoshop-age Osama bin Laden because under J. Edgar Hoover Directive Number 3, all colored people are the same. How To Use Photoshop - The Basics. Working with layers is one of the most basic tools in Photoshop. Layers allow you to cut and paste other images into your working image and put them in the foreground or background. It also allows you to manipulate different parts of your image separately. We Photoshopped in red underwear on Scarlett Johansson. The clone tool is great if you are only 17 and can't get steroids, but still want yourself to look as buff as a gay model on your movie poster. The clone tool lets you borrow patches from one section of an image and use it in another section. Ahh liquefy filter. the many uses you have. There are several modes of the liquefy filter. One use, the bloat tool, will expand round things. This has many, many uses, like. if you took a picture of a ball, but want it to be bigger and rounder and. more mature. There's also the warp tool, which lets you push and pull on images to smudge them in one direction. This is primarily used for giving things boners or making girls skinnier. Kicking It Up A Notch. There are literally hundreds of tools and thousands of settings in Photoshop. Once you master the basics, you can work on really tweaking photos to make surreal compositions. Here some examples of what you can do (click on the photos for links to the respective pages. 40 Mindblowing Photo Manipulations. Fantasy and Surreal Photo Manipulations. Photoshop Tools and Tips. So you've mastered the basics and now you are ready to create some fake nudes of your own or you want to make yourself into a centaur or something. You're going to need some tools - stock images, brushes, texture files, etc. Here's where you get them for free. DeviantArt - great resource for stock photos and brushes. PSD Vault - various tutorials and tools for creating neat looking photos. Photoshopsupport - more brushes and tutorials and resources. Advanced Photoshop/Photoshop Creative - Advanced Photoshop/Photoshop Creative site has a lot of user galleries that you can use for inspiration. The print magazines (about $15 an issue) are amazing and come with a CD with resource files and tutorials and stock images. Photoshop on Facebook - The fan page for Photoshop has occasional news and tutorials and photo samples to look at. Looking for more? YouTube has almost as many Photoshop tutorials as it does funny cat videos. Also, there are tons of other sites out there with tutorials and resources. Google is your friend with this regard. Cracked Weekly Photoshop Contests. In case you hadn't noticed, we run a weekly Photoshop contest. The results are published every Wednesday on the front page of At the end of each results page is a link to participate in the current contest. You can view the whole archive of Photoshop contests here . Or, you can just go to the Cracked forum and enter here . The current Photoshop contest is stickied at the top of the page. Here's an image from the Office Supplies too Awesome to Exist contest. Don't have any skill or imagination or senses of humor, but you do have an image manipulation tool? You're not alone. Cracked columnist Daniel O'Brien pulled out the eight worst entries into the contests ever and commented on them here in his article: Genius or Lunatic: 8 Rejected Cracked Photoshop Entries. While you're reading the rest of this, download the full version of Photoshop CS5 Extended (30 day trial) here. What's New in CS5. Maybe not quite. But, CS5 does have some sweet new features. One of the most anticipated features is the content aware fill, which allows you to delete a portion of a picture and, instead of leaving white space, it fills in the background. How does it do that? Demons. Demons and black magic. Check it out. Puppet warp is another rad feature. It allows you to set anchor points in a picture and then bend it without cutting and pasting and patching the image. Check out this quick video. Here is a link that explains all of the new features with the help of video tutorials. And, of course, don't forget the manufacturer's web page, for an explanation by people who actually have the software. Recommended For Your Pleasure.PREVIOUS NEXT


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I wrote about cold calling in my September and October columns and asked readers to take my survey. Here's the most poignant of 142 answers I got to the question, "What is the most difficult part of the cold calling process? Please describe in detail."
"First: Getting a list of potential qualified individuals. Second: Getting the person to answer the phone. Third: Getting their attention with something relevant to their situation. Lastly: Getting the appointment. In other words … all of it—I am not having success."
My respondent's analysis of her situation is quite perceptive. She has grasped that cold calling (or any marketing) is composed of many elements, and that to be effective, you have to control them all.
According to me, to solve something as big as 142 cold calling problems, it's best to take the biggest problem first, break it down into its smallest parts, and then solve each of those. The first thing I did was classify each problem. For instance, "knowing how to reply to rejection," "getting over the rejection" and "facing rejection" all belong to a rejection category.
After making several passes through my data, I identified these problems. The problem count is shown in parentheses.
If we add together the categories related to scripts, we get 62 of the 142 people reporting their biggest problem is with their script.
In this space, I cannot completely deal with solving "the script problem." So, for those who are serious, I will present a free two-hour webinar, "Script Writing the Good Way." You can register at www.billgood.com/coldcalling. It will be on a Friday afternoon in November. I may or may not record it. You are cordially invited.
Meantime, let's solve at least some of the script problems.
Making Contact
There are two reasons you are not making enough contact: You are not making enough calls; and you may have a beat-up, highly resistant list.
Today, it takes at least twice as many calls to reach one person as it did 10 years ago. Your goal is: 60 calls per hour. To do that, every rule below must be in force.
- Call at the optimum time which is 8–10 a.m. If you are a rookie with no clients and therefore nothing else to do, it's 8 a.m.–12 p.m.
- During your "calling block" allow no interruptions. Don't take incoming calls, or at least have someone screen the calls.
- Don't waste time leaving messages and writing down stuff that doesn't matter.
- Let the phone ring four times, and disconnect.
- At every possible opportunity, ask for the direct extension number.
If you are making your 60 calls an hour and are not getting 2–3 cherries per hour, you have a list problem. Call a different demographic.
No-Contact Scenarios
Since most of your dials result in no contact, it is vital you fully understand how to handle these.
Assumption: You are dialing small business owners.
YOU: 801-992-6868. 1 ring. 2 ring. 3 ring. 4 ring. Disconnect.
YOU: Immediately dial 801-997-6666. 1 ring. 2 ring.
RECEPTION: Good morning, Loblaw Company.
YOU: Good morning. This is Bob DaBlob. I'm calling from Reliable Securities. May I speak to Mr. Loblaw please?
RECEPTION: I'm sorry he's not in right now. May I take a message?
YOU: No thank you. I'll call back. 801-641-2345. 1 ring.
RECEPTION: Throckmorten and Company. Good morning.
YOU: Good morning. This is Bob DaBlob. Barbara Throckmorten, please.
RECEPTION: One moment please.
ASSISTANT: Good morning. Barbara Throckmorten's office. How may I help you?
YOU: Good morning. This is Bob DaBlob. Who am I speaking with?
ASSISTANT: Clementina Domenica.
YOU: Good morning, Clementina. Again, I'm Bob DaBlob with Reliable Securities. I have some important information for Barbara regarding what's called the financial cliff. She may fall off that cliff in January. It is important we speak. Could you connect me please?
ASSISTANT: She's tied up in a meeting right now, would you like to leave a message on her voicemail?
YOU: Sure. But in case I get disconnected, what's her direct extension number?
Hint: Don't leave the message. Do ask for the direct extension number.
Contact Made
DECISION MAKER: This is Barbara Throckmorten.
Yikes. The door opened. Now what?
You've got 15 seconds to engage her. Most people blow it right here. Here's why.
- Your script does not make a specific offer.
- You don't use good manners but instead try to force your way into the person's life by asking for an immediate appointment.
- You don't even provide a benefit for someone to give up their time to see you.
- You talk too much. You have 15 seconds and that includes your first question.
What works is: (a) a clear offer and (b) a question to determine degree of interest. Below are some sample scripts readers recently sent me. A brief analysis and my rewrite follow each. As an aside, I cannot tell you that my rewrite would work.
Like any script, it would require testing. (We'll talk about that on my webinar.) But based on a lot of past experience, my version has a much better chance.
Scenario: This FA is new in the business. He has opened 1-2 new HH in the past 12 months and he cold calls daily.
"Hello […], we've never spoken before and I don't want to waste your time, so I'll be very brief and to the point. I'm NAME, an FA at FIRM and I'd like to work for you. If I could save you taxes and or improve your returns would you care to discuss the ideas?"
Are you surprised at his lack of success? I'm not. His script has two negatives right up front—we've never spoken and I don't want to waste your time. And he makes two offers—"I'd like to work for you" and "would you care to discuss the ideas?" Muddy at best.
Now my rewritten version:
"My name is ____. I'm an FA at FIRM. I do two things. I help people reduce taxes and I help them increase their investment returns. Which of these would interest you the most?"
Taxes/income: "Terrific. I would like to send you some information on our [tax/income] strategy. If you like what you read, would you take a follow up call?"
Comment: Don't think for one second that you have to ask for an appointment on the first call. You don't. And more often than not, you should not.
Let's look at another script.
"Hi John, this is NAME—I'm a LOCAL financial advisor with FIRM. I specialize in helping business owners and professionals just like you make sure they are on track to hit their goals. I'd like to give you a snapshot of how I do that, and then see where things might go from there."
The offer here is very general. My rewrite:
"Hi John, this is NAME—I'm a LOCAL financial advisor with FIRM. I'm looking for a business owner today who does not have a handle on meeting some ambitious personal financial goals. Could that be you?"
Comment: Asking for someone who does not have something they should have sometimes cuts right through the resistance, and often you get a true, flash answer.
Here's another script. Scenario: FA has been in the business 10-plus years and cold calls daily. He reports 6-10 new HH in the past 12 months. Sorry, that doesn't cut it.
"Mr./ Mrs._______, we work with a lot of business owners/senior executives like yourself managing their personal finances. For over 30 years we have been bringing financial planning and portfolio management services to our clients. Next week, I will be in your area doing quarterly reviews with our clients. This would be a good opportunity for us to get together and show you how our programs have had great success for our clients. What would be a convenient time and place for us to meet?"
Gasp. I've nearly passed out. Twice as long as it should be, and no clear offer. I don't have a rewrite for this one. I would throw it out and start all over.
Editor's note: See Bill Good's September and October columns on cold calling. To register for his webinar, visit www.billgood.com/coldcalling.


text:
Terry Haggerty
- January 17, 2012 1:00 PM
Sundays with the Modern offers unique perspectives on special exhibitions, with artists, curators, art historians, and writers holding conversations in the galleries. This program is free and begins at 1 pm on the first Sunday of selected months. In conjunction with México Inside Out: Themes in Art Since 1990, these special gallery talks feature artists included in the exhibition.


text:
Seppeltsfield Para Tawny 1951 100ml Gift Boxed
Product details
A gift of unparalleled significance, the Seppeltsfield Para Tawny collection is believed to be the world's only unbroken lineage of a single vintage wine, spanning more than 130 consecutive vintages from 1878-2017. The story of the Centennial Collection began in 1878 when Benno Seppelt decided to lay down "a puncheon of my finest port to be untouched for 100 years." The tradition of laying down a barrel of the finest wine from each vintage was continued every year following and continues to do so today. The Centennial Cellar now comprises an unbroken lineage of every vintage from the current year back to 1878. Presented in a beautifully hand crafted Jarrah timber gift box with a personalised certificate of authenticity, the Seppeltsfield Para Tawny vintage is composed of Shiraz and Grenache grape varietals and fortified with Brandy spirit.
Tasting notes
Like Seppeltsfield's many expressions of Tawny, the wine's composition is made up of red grape varietals and is fortified with Brandy spirit. The very finest parcels of Grenache and Shiraz are selected each year from the Seppeltsfield estate vineyards and reserved for the crafting of our Centennial Collection releases. Amongst other traditional techniques, the fruit is crushed in the Seppeltsfield 1888 Gravity Cellar, where components are foot-pressed in traditional laggars.
How to enjoy
More Information Occasion A Client, A Milestone Birthday, A Retirement, A Wedding Serving Temp 15 - 18 degrees Variety Port Vintage 1951 Size 100ml Brand Seppeltsfield
- Individually presented within a handmade Jarrah timber presentation box, fitted with a Certificate of Authenticity
- Personalised gift, with recipients name and individual bottle number
- From Seppeltsfield's famed 1878 Centennial Cellar


text:
Glasses :
Prescription Eyeglasses
Prescription o&x new york Eyeglasses
prescription o&x new york eyeglasses: o&x new york eyewear is a blend of opposites: simplicity and luxury, traditional sophistication and up-to-the-minute style, bold and graceful elements.
the o&x new york collection expresses the kio yamato design philosophy and spirit of timeless beauty that draws on the past, present, and future for styling inspiration, and leads the way in developing leading fashion based on technology that other companies are now discovering.
targeted to all age groups, these are frames for passionate people who strive to learn and grow and love life. design elements such as sculpted temples, extended end-pieces, and graceful, decorative patterns bring richness to each frame. shapes for men and women are classic and ageless—or modern, sophisticated variations on classics. colors range from metal tones to deep shades of blue and burgundy.
Prescription o&x new york Eyeglasses - 100% Authentic o&x new york Eyeglasses - Brand New o&x new york Eyeglasses


text:
Nearly half of Americans surveyed by the National Foundation for Credit Counseling say they learned more about personal finance at home from their parents than they did anywhere else.
The 2012 Financial Literacy Survey, conducted online in May and taken by 785 respondents, found 44% of Americans picked up their money management skills from their parents (although the same percentage acknowledge that they've never compared their parents' habits with their own). Just 10% said they learned their financial skills at school.
Of the respondents who have compared their financial skills with their parents', 12% were driven to adopt habits that are the exact opposite. Thirty-five percent said they adopted some of their parents' habits, while picking up some new ones of their own.
"Whether parents are astute money managers or woefully lacking in financial skills, their behavior influences what the children are learning, and likely impacting how they will handle their own finances as adults," said Gail Cunningham, spokesperson for the NFCC, in a press release. "Understanding this dynamic should serve as an incentive for adults to improve their own grasp of personal finance, because like it or not, their actions in this area will speak loudly."
The NFCC developed 10 questions that could help parents start a discussion with their teenage children about money—a discussion that is probably less than thrilling to said teenagers if it doesn't involve actual money:
- Do you think children should be paid to do household chores?
- Could you live on the current federal minimum wage in America of $7.25 per hour?
- If not, how could you convince your boss that your skill set is worth more than the minimum?
- How many hours are you willing to work to pay for that new pair of tennis shoes you want?
- How is a checking account different from a debit card?
- Why do credit card issuers charge customers different interest rates?
- If not compact disc, what do the initials CD stand for?
- Could you save a dollar each day from now until Christmas?
- If you received $100 for your birthday, what would you do with the money?
- What's the difference between collision and liability car insurance?


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Sorry for not posting after Wednesday's game 2. I needed to unplug for a bit but I'm back, refreshed and ready for a packed weekend.
For one inning, the bats finally came alive. Fortunately, that was enough. A five-spot in the fifth gave the Bucs all they would need to beat the Rockies, split the doubleheader and take the series. Props go to Garrett Jones and Pedro Alvarez for back-to-back homers. A big assist goes out to Rockies' LF Carlos Gonzalez who twice lost balls in the sun before switching to a pair of flip-down shades.
Current record: 8-10, 4th place in NL Central, 3.5 games back
Up Next: Atlanta Braves, 12-7, 2nd place in NL East, 2 games back
I will be LIVE at all four games this series, since its my one chance to see the Pirates this season without travelling. If you'll be there too then let me know and we can meet up. Last year all four games went long – two rain delays and two extra inning tilts – including the 19 inning Jerry Meals affair.
Probable Pitchers
Friday: RH Tommy Hanson (2-2, 24 IP, 23 K, 3.38 ERA, 1.21 WHIP)
vs. RH A.J. Burnett (1-0, 7 IP, 7 K, 0.00 ERA, 0.71 WHIP)
Saturday: RH Randall Delgado (2-1, 15.2 IP, 17 K, 5.74 ERA, 1.53 WHIP)
vs. LH Erik Bedard (0-4, 24 IP, 17 K, 2.63 ERA, 1.42 WHIP)
Sunday: RH Tim Hudson (2012 debut)
vs. RH Kevin Correia (1-0, 18 IP, 9 K, 2.00 ERA, 0.78 WHIP)
Monday: LH Mike Minor (2-1, 26.1 IP, 21 K, 3.42 ERA, 0.99 WHIP)
vs. RH James McDonald (0-1, 22.2 IP, 14 K, 2.78 ERA, 1.01 WHIP)
No lineup available yet,
but here's my guess: Alex Presley LF
Jose Tabata RF
Andrew McCutchen CF
Neil Walker 2B
Garrett Jones 1B
Pedro Alvarez 3B
Clint Barmes SS
Rod Barajas C
A.J. Burnett P
There's a decent chance that Nate McLouth starts two games this series. See you at the Park.
Update: The lineup is in and I was way off. I thought Clint Hurdle would go with the "normal" order due to yesterday's off day. Actual Lineup:
Alex Presley LF
Clint Barmes SS
Andrew McCutchen CF
Garrett Jones RF
Neil Walker 2B
Pedro Alvarez 3B
Casey McGehee 1B
Rod Barajas C
A.J. Burnett P
Filed under: baseball, Pirates | Tagged: A.J. Burnett, Alex Presley, Andrew McCutchen, baseball, Braves, Carlos Gonzalez, Casey McGehee, Clint Barmes, Clint Hurdle, Erik Bedard, Garrett Jones, James McDonald, Jerry Meals, Jose Tabata, Kevin Correia, Mike Minor, Nate McLouth, Neil Walker, Pedro Alvarez, Pirates, Randall Delgado, Rockies, Rod Barajas, Tim Hudson, Tommy Hanson | Leave a comment »


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Saint Paul, MNUSA
August 19, 2007
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We are a member-supported organization. Everyone who works for Minnesota Atheists is a volunteer, but getting our word out does cost money. This site, our website, mailing newsletters, filming a cable TV show and participating in public events like festivals and parades all add up. We can do all of this thanks to you!
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text: friendship 1 Posted July 3, 2013 Hi. I've been using a POD 2.0 (desktop) since probably 2005 or 2006. It's been really handy and great for practicing and home recording but I wanted to upgrade since it's so old and I've worn through all its sounds. I've been thinking about upgrading to the HD desktop but wasn't certain. I'd be using it entirely for home recording and practicing, not live. I have about 15 years of experience as a musician and 10 years as a recordist, so I'm pretty confident in getting the sounds I want, since I have a fairly solid understanding of signal flow, EQ, compression, etc. I'm a little dubious because this version doesn't allow dry recording through the USB like the X3 did (why doesn't it?), and allegedly the processing power craps out pretty quickly, especially when using dual amps. I think it's a little misleading to boast the dual amp feature and all the available effects when you can't take advantage of them fully. So these things have given me a little doubt. Also it's been a while since the HD came out, right? What if they come out with some new stuff suddenly and I can't upgrade because they pull their support, like Apple and Google often do? Also, no bass amps? Also, are the effects really any good? Also, I hear about a lot of glitches. Basically, what can I expect really? Am I upgrading horizontally, as it were? I'm worried the unit makes a lot of promises it doesn't keep. Help a brother out? Thanks so much for reading and for any help or advice you can offer. Quote Share this post Link to post Share on other sites


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Larry Bird's tenure as president of the Indiana Pacers appears to be nearing its end.
Bird is "100 percent" sure that he won't return to the team, according to the Indianapolis Star.
Bird coached the Pacers for three seasons from 1997-2000 before returning as the team's president of basketball operations in 2003. The longtime Celtic great was even named NBA Executive of the Year this past season after the Pacers finished third in the Eastern Conference. Indiana went on to dispose of the Orlando Magic in the first round of the NBA playoffs this year before eventually falling to the Miami Heat in six games in Round 2.
Rumors regarding Bird's departure have swirled in the past, as he's been reluctant to make a long-term commitment to the club, but this time it appears he's definitely leaving. He is reportedly expected to meet with team owner Herb Simon on Tuesday to finalize his departure.
Bird continues to deal with some health issues, and will likely take a year off before deciding if he wants to return to any sort of front office position, according to the Indianapolis Star.


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text:
Fallon area farms face water order cut-off
FALLON (AP) — The Truckee-Carson Irrigation District says a water order cut-off looms for Fallon-area farmers as Lahontan Reservoir's level continues to drop.
The district says it will no longer take orders for water delivery when estimated existing and standing orders bring the reservoir's storage to 4,000 acre-feet of water.
The reservoir, which holds waters of the Carson and Truckee rivers west of Fallon, stored 13,673 acre-feet of water on Friday.
The district says the water order cut-off will occur earlier than originally thought, and it can't guarantee any orders placed will be filled as the date approaches.
The reservoir's water levels are down after last winter produced only roughly half of the Sierra Nevada's average annual snowpack.


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Here's a fantastic idea for a product: A coffee maker that responds to voice commands...just not a voice command to "make me some freaking coffee!"
Offered by Hammacher Schlemmer:
This is the first voice-interactive coffee maker that asks, "Would you like to set the clock or set the coffee brewing time?" and operates in response to your verbal commands. Simply saying, "Set the coffee brewing time," or "Set the clock," will prompt the machine to reply, "Please say the time, including AM or PM." It uses an advanced voice recognition system to identify any time of day you speak, eliminating the hassle of fussing with buttons.
Sure, the one instance that you ever have to program the time on your coffee maker is a tad inconvenient, and I can appreciate the UI improvement of any gadget. But as long as we're using voice commands and $100 coffee makers, we might as well open the door for new functionality. "Brew 4 cups of coffee" or "tea earl grey hot" would both be welcome commands that could save you time and prodding on a daily basis.
Imagine if you could only tell the Enterprise to "set the clock." [Hammacher Schlemmer via CrunchGear]
* To be fair, maybe Hammacher Schlemmer just failed to mention the "make coffee" command. Even if so, the fact that you'd need to press a button to issue the order sort of negates the convenience.


text:
Man suspected in Rogaine thefts arrested
Authorities believe man responsible for similar thefts in other states
A man suspected of stealing almost $10,000 in teeth-whitening strips, weight-loss pills, condoms, Rogaine and other products from Walgreens stores in Colorado has been arrested in Idaho.
Sheriff's officials in Jefferson County, Colo., said Friday that 27-year-old Curtis M. Williams also is suspected in similar thefts in Utah, Minnesota, Florida, Idaho, Kansas, Nebraska and Puerto Rico.
Authorities said a neatly groomed man wearing a sweater, tie and slacks would hide stolen goods in his coat, then buy a DVD before leaving the store as a cover for activating the door alarm.
Sheriff's spokesman Mark Techmeyer said clerks at Walgreen stores nationwide were alerted to the suspect, and a Minnesota clerk who recognized him noted the license plate on his rental car. The suspect was arrested after arriving in Idaho.
He remains jailed Friday and it isn't known if he has a lawyer


text:
JSR 311 plugin
A plugin that supports the development of RESTful web services based on theJava API for RESTful Web Services (JSR 311: JAX-RS). It is targeted atdevelopers who want to structure the web service layer of an application ina JSR 311 compatible way but still want to continue to use Grails' powerfulfeatures such as GORM, automated XML and JSON marshalling, Grails services,Grails filters and so on. This plugin is an alternative to Grails' built-inmechanism for implementing RESTful web services.At the ... Read more
Dependency :
compile "org.grails.plugins:jaxrs:0.12"


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Proposal turned down to bring water department under the control of Winsted Board of Selectmen
WINSTED >> Citing concerns over fees and the oversight of the water and sewer authorities, Second Selectman Candy Perez sought to split the authorities and bring the water department under the umbrella of the Board of Selectmen.
However, several members of the board believed that they did not have the expertise to oversee water matters, noting that they would be in the same boat as the Water and Sewer Commission. Subsequently, the board took no action on Perez's proposal.
"I don't think it's prudent at all," said Selectman Ken Fracasso. "Everyone who's sitting at this table for the last 10 years needs to take responsibility."
The Water and Sewer Commission's various funds owe nearly $1.8 million to various creditors, dating back to 2004, according to town attorney Kevin Nelligan. The announcement came as news to the commission, as its members noted during a Jan. 17 special meeting. The commission had not changed its rates over a long stretch of time before raising them in the last three years, but according to Nelligan, the commission "never covered (its) expenses in the eight to 10 years I've been looking at this."
"I have a hard time believing that," said commission member Steve Vaill at the meeting. "I just can't imagine that, each year, we're losing like that and nobody's catching it."
The Winsted Water Company and Water Pollution Control Authority joined forces after a 1998 referendum. The 1,422-1,021 vote merged the two entities into one authority which would set water rates and levy taxes for using the municipal water system, and took control of the boards out of the hands of the Selectmen.
"There needs to be more working together with the Water and Sewer Commission and the Board of Selectmen," said Perez at the Feb. 4 Board of Selectmen meeting.
However, several fellow Selectmen disagreed with the idea that the Water and Sewer Commission needed to be split. Fracasso said that he did not give the Water and Sewer Commission or their rates enough attention during his tenure as mayor, remarking that "I thought of it as a separate entity, and shame on me."
However, Fracasso believed that splitting the commission and reclaiming control of the water company was a step too far. The Water Pollution Control Authority is statutorially independent, but the Winsted Water Company is not. Nevertheless, Fracasso said that the commission's current status would do, as long as it received the proper support.
"Instead of maintaining the commission that we have and maybe giving them the tools and information that they need," Fracasso said, "I think it's a slap in the face to those poeple."
Selectman Mike Renzullo concurred with Fracasso, remarking that "there's nobody here that's an expert" in water rates. Renzullo said that "we have relied on the financial information that we got from the finance manager, and that's the case with the water and sewer board," and while that information may have been faulty, "in their defense, they were working with what they got from (former finance director) Henry (Centrella)."
"The difference between what they do and what we do," said Renzullo, "a tax is a tax, but what they do is they're selling water."
Nelligan advised the Water and Sewer Commission to communicate more with the Board of Selectmen to help resolve the issue, which is just one part of a complicated financial picture. Centrella was put on leave due to "accounting irregularities," eventually being fired by the town on Jan. 17, and while details of the issues have trickled out, the board opted to not radically reshape the Water and Sewer Commission.
"Keeping the framework the same as it is, we can certainly communicate our concerns with that group," said Selectman Glenn Albanesius. "Going forward, they would listen to us."
Reach Jason Siedzik at (860) 489-3121, ext. 321 or on Facebook at www.facebook.com/RCjsiedzik.


text:
Carly and Jack slip outside of the cabin as she freaks out about Janet giving birth inside. They return and Jack tells Dusty he'll have to deliver the baby. The newlyweds step aside and Dusty starts helping the baby out. Once the baby is born, he cries and Janet marvels at how good looking he is. Carly takes Dusty aside and asks him if this is hard for his since the baby is Jack's.
Baby News.
The baby is born, a DNA test reveals the true father, Lucinda tries to heal things with Lily and Jack gets news.
Lucinda joins Luke at Java and tells him that she would like to honor Reid in some way. He says that she can start an endowment in his name. They begin discussing Lucinda's latest flawed behavior. He advises her to make things right with her daughter. She doubts that would work but he orders her to go and do it. As she leaves, Noah comes over. Luke tells him how brave and good Reid was. They talk about all the good he did. Noah's impressed by how focused he is. He explains that he wants to stick around to help him out but Luke won't allow that.
Holden walks Lily home. He hates that things are no longer simple between them after the history they share. They talk about Molly and reminisce about stables until John rushes over and asks Lily if she will forget her mother. "Forget it," she snaps. John tries to talk her around but then gets called off to work. Holden tells Lily to stick to her guns. They discuss how her mother always butts into her life. She feels like she always caves to her. She asks him to hold her hand when she goes head to head with her mom.
Janet, Carly Dusty and Jack arrive at the hospital. Janet is taken away to be examined a nurse recommends Dusty be seen about his ribs. He refuses. As he walks down the hall, he runs into John. He explains that he ran a DNA test and discovered that Jack is not the father.
Carly walks down the hall and get nauseous. Jack finds her and she tells him he should be with Janet. He thinks she has enough people around her right now. As they turn the corner, they find John telling Dusty that he is actually the father. John and Dusty start to laugh excitedly. Jack walks over and looks at the test. Slightly dejected, he says this is probably best for the baby. Dusty goes off to tell Janet. John tells Carly she ended up with the right guy and walks off. Carly worries about Jack but he ushers her off to see a doctor.
Liberty runs into Jack in the corridor and tells him how sorry she is about how things turned out. He thinks everything has turned out for the best actually.
Dusty goes into Janet's room and tells her the baby is theirs. She cries and they tell each other how much they love each other. Liberty brings Jack in. She and Dusty leave. Janet tells Jack she's sorry. He says that she can always count on him. "Thank you for loving me," she sobs. They tell each other that they deserve the best. The nurse comes in and kicks Jack out. After she feeds the baby, the family files in. Liberty says goodbye to her mom so she can go and catch her plane. Dusty wonders where they are going to live. Janet sobs about how all her dreams have come true. Liberty says her goodbye and goes. Dusty and Janet sit with the baby.
Lucinda runs into John at the Lakeview ordering champagne. He tells her that he's a grandfather. He says that he begged Lily to show her some clemency and then asks her to leave town with him and move to Amsterdam. She gets a call from Lily inviting her over and runs off.
Noah and Luke go to WOAK. Luke gives him a new camera. Noah says it's too much but Luke believes in him and wants him to have a career in LA. Noah tells him he'll have to come and visit. They remember that this is the first place they met and kissed. Noah understands that Luke needs to honor Reid's memory and grieve. He'll be waiting for him if he ever decides to get on a plane and come to him. They kiss and Noah walks away.
Carly walks up to Jack in the hospital waiting room and asks him to sit down. She tells him that she's pregnant.
Lucinda walks into Lily's as she's about to kiss Holden. She smugly declares that she was right about them all along. Lily explains that she isn't willing to forgive and forget the hurt she has caused her. Lucinda is sorry. Lily wants a time out so they can think about their relationship. Maybe some day she'll give her another chance... After Lucinda walks out, Holden holds Lily's hand. She thanks him and they smell the burning leaves. They remember when he was just a stable boy and kiss.
Lucinda returns to the Lakeview and agrees to run off to Amsterdam with John.
Next on As The World Turns:
Jack is asked to be the baby's godfather.
John Dixon answers Lily's prayers.
Bob retires.
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Opinion | Morgan Liddick: Uncivil unions, King Henry's divorce and a wall of separation
special to the daily
The king was in a listless marriage to an older woman, and had the hots for one of her personal assistants. A good Catholic, he wrote to the Pope requesting an annulment, which would allow him to pursue his libidinous desires – awkward, since the queen's brother had militarily occupied the Vatican. And annoying, since the king previously pleaded with the Pope to allow the marriage he now wished to escape. The Pope demurred and the King, ever impetuous, seized his country's church, granted himself a divorce and re-married. But there was a problem.
His chancellor, formerly a friend, refused to accept the king's actions. Rather than create a scandal he resigned, but the king was not satisfied. He pursued the man, demanding that he publicly state he accepted the new marriage. When rebuffed, he had the former Chancellor arrested, tried for treason and executed. Thomas Moore eventually became a saint; his persecutor, Henry VIII Tudor, became a morally ambivalent figure, a historical benchmark for the excesses of philandering roguery.
What has this quaint English tale have to do with us? Ask Pat Steadman, Democrat senator for the good people of Denver; sponsor of SR 11 on "Civil Unions" and by his rhetoric a real hater.
Asked about protections in his bill for people and organizations who might have religious objections to the logical consequences of his resolution, Sen. Steadman went on a rant. "Go live a monastic life, away from modern society, away from people you can't see as equals to yourself… go inside your church, establish separate water fountains if you like. But don't tell me that your free exercise of religion requires the state of Colorado to establish separate water fountains…"
The first thing we should note is that the senator needs to brush up on his theology. Most flavors of Christianity are able to distinguish between behavior considered – to use a religious term of art – "seriously sinful" and the person who does it. Only the latter needs a water fountain, if the senator is confused. The objection of the community of believers to SR 11 lies in the state compelling actions in contravention of their beliefs regarding sin, not people.
Second, this shows the senator – and those who caterwaul about "separation of church and state" need a refresher in history. His "get out of our society" comment mirrors attitudes that so concerned the Baptist congregation of Danbury, Conn., in 1802 that they wrote to President Jefferson to get an opinion about the effect of the First Amendment on state interference in questions of religious practice and doctrine. His reply, vetted by lawyers and the New England political class, was a short, anodyne exposition on the unconstitutionality of such meddling, where the federal government was concerned.
The "wall of separation" familiar to us was created instead by U.S. Supreme Court Justice Hugo Black in the 1947 Everson v. Board of Education decision. In Everson and several subsequent cases, Justice Black resurrected Jefferson's metaphor and radically extended it to protect us from that which liberals dread: any suggestion of religion in public life. Most of the founders, Jefferson included, would scratch their heads at this; they regarded virtue and morality as being essential to the survival of republican government, and they considered religion a foundation of these values.
Now, we have Sen. Steadman screaming "get out" at believers, a comment that inadvertently exposes the real agenda of liberals: to rid the public square of all those whose opinions differ from their own. They have apparently concluded they cannot win the war of ideas with conservatives and have therefore decided to howl, smear, misrepresent, cry and otherwise tantrumize until their opponents are driven from view – tactics also used in Illinois, Boston and the District of Columbia. So much for the party of tolerance and inclusion…
These are disreputable tactics, identified as false argument in the second century B.C.E. But they are often effective, particularly when used on the ill-informed and those with weak analytical skills. Fortunately, although Sen. Steadman's acolytes may be both, his opponents are neither.
The senator apparently believes that Coloradans are all modern-day Thelemites, imbued with Balzac's motto "Do as thou woulds't." He's wrong. Many Colorado residents still value tradition and religious morality, and prefer to follow doctrines on humanity and behavior that have been thought out over millennia, rather than the politically correct flavor-of-the-month.
Sen. Steadman will eventually discover – undoubtedly to his chagrin – that like Thomas Moore, these people will neither bend to the will of the state, nor will they disappear. Instead, they will force the supporters of SR 11 and its principles to accept responsibility for the predictable consequences of their position.
Note: squealing about "fairness" won't help.
Summit County resident Morgan Liddick pens a Tuesday column. Email him at email@example.com.
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It has been a very long time since we last appeared. A busy schedule and active life is our excuse. My apologies to Rahul Kanakia for pestering him for an interview, then dropping off the face of the Earth. I recommend that you all visit his blog (very interesting, entertaining, and insightful) and consider reading his latest book.
With much regrets, next month's review (April) will be our last. I won't be getting all gushy with you about it now. I'm saving that for my next review (need to fill up some space). But please take a gander of our thoughts of March's tales, then visit go Daily SF and read them for your own amusement.


text:
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As of 2015, there are more then 67 per 100 inhabitants in Guyana and more then 6718556334671 in total and this figures are constantly growing. Why not use such a great opportunity to take your business to the next level? Note, that SMS is best used with bulk email service . You can send SMS to subscribers who didn't open your email. Find out more about this feature.
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We hope to see you onboard!


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PATERSON, N.J. (AP) — A former bodega owner who will be pocketing $152 million in lottery winnings has coughed up $30,000 in back child support with a promise from his lawyer he will "do what's right for his children."
A judge on Monday gave Pedro Quezada some advice and a warning when he appeared in court in a sweatshirt and sneakers.
"There are going to be a lot of people who are going to ask you to invest in things because of your good fortune," state Superior Court Judge Ernest Caposela told Quezada, "but investing in your children is the wisest investment you can make."
The 44-year-old Quezada, clad in a gray sweatshirt, dark blue pants and sneakers, used a Spanish translator during the court hearing and told Caposela that the three children would be living with him from now on. The children's mother didn't attend the hearing. She lives out of state, Caposela said, but didn't say where.
Quezada left the courthouse without commenting, but his lawyer, Paul Fernandez, said his client wanted to put the matter behind him and move on with his life.
"He plans to do what's conservative, he plans to do what's right for his children," said Fernandez, whose law offices are in Paterson. "He's a family man."
When asked about reports that Quezada had offered to pay his neighbors' rents for a month or two, Fernandez said that was "just a rumor," but didn't elaborate.
Several neighbors on the short, dead-end block that sits between a highway and rubble-strewn lot, said Monday they had only heard of the alleged offer through news reports. David Guzman said he'd texted his landlord when heard the news but that the landlord hadn't heard anything.
"If my landlord didn't even know, then I highly doubt it, it's probably just a bunch of publicity to keep the whole thing going," the 22-year-old Guzman said.
Nevertheless, he had a wad of bills in his pocket and was waiting till the 5th of the month, his normal due date for rent, before he paid the $825 for the apartment in the building next door to Quezada.
Quezada was the lone winner of the March 23 Powerball drawing and claimed a lump-sum payment last week worth $221 million, or about $152 million after taxes. The immigrant from the Dominican Republic owned a bodega that his son and another man recently took over in Passaic, a blue-collar city 15 miles northwest of New York City. Neighbors described him as hardworking and said he would regularly work from 6 a.m. to 11 p.m. at the store.
In court Monday, Caposela said Quezada's last child support payment was in August 2011; prior to that he had last paid in July 2009. He was obligated to pay $141 per week to the mother of the children. That obligation will continue, Caposela said, though either parent could seek a modification.


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The Republican National Convention praised small businesses and the Democratic response will praise the administration's role in helping job creators. But what would a non-partisan plan for entrepreneurs look like?
The theme of the first day of the Republican National Convention was "We Built It," a rallying-cry from entrepreneurs who insisted that they didn't need government to start their businesses. This week, we can expect the Democratic response to highlight the ways Obama's administration has empowered job creators.
But what would an entrepreneur-first platform, stripped of party politics, really look like? Last week, I asked readers for answers. From hundreds of comments on the original article and notes on Hacker News, here are 19 comments that paint a big picture, even if some of the smartest comments disagree with each other: First, we need the economy to come back. Second, we need tax reform that both simplifies and refocuses on helping small companies rather than established corporations. Third, there was broad support for a universal health care option -- or at the very least, a move away from employer-sponsored insurance subsidies, which put large and start-up companies on unequal footing. Finally, readers pointed to an array of regulatory, paperwork, and patent rules that needed tinkering.
Here are your ideas...
Address the housing/household debt crisis. Homeowners cannot spend because they have near-record levels of debt (about 90% GDP vs. 50% in 1980). Businesses are not investing without customers, so the economy is struggling. The key insight here is that private debt holds back an economy to a much greater extent than public debt. So the government should go big, say $3 trillion in bonds issued for 1.75% over 2 years, and buy mortgages. It then cuts the mortgage balances say 30%. Households paying say 4% in interest would help the government recoup a chunk of the write-down. Even better would be if the Fed just printed the money, but I'll take either. - Farcaster
How health care costs pushed an entrepreneur into government work
Six years into my law enforcement career, I was hospitalized with a major illness. Although I had excellent insurance, my co-pays reached $10,000. Once released from the hospital, I returned to work because I couldn't afford to do otherwise. I paid off the $10,000 and concluded that the stress of my job was contributing to ongoing health difficulties. Although I had the skills and experience to start my own business, I decided that I could not do so because I needed health insurance and, as a self-employed person, I would be forced to obtain health insurance on my own. When I checked into it, I found that I could not purchase health insurance because of my "pre-existing condition". So, I spent the remainder of career working for government instead of as an entrepreneur.
'Universal single payer would cause an explosion of entrepreneurship'
Universal single payer health care would cause an explosion of entrepreneurship the likes of which the USA has not seen in a long, long time. In the current situation, anyone with a family or a chronic condition is pretty much restricted to working a BigCorp job unless / until this happens. - flxmglrb
'The "pay raise" goes to [health] benefits'
I am a small business owner, and each year the medical premium goes up. We haven't even be able to give pay-raises, because the "pay raise" goes to benefits. Give us a level playing field with China, and Europe by creating a single payer system. - lulucaliente
'The last thing employers want to worry about is providing health care'
We need universal health care for everyone, provided by, or at least coordinated by, the federal government. The last thing employers want to worry about is providing health care for employees, let alone themselves. And providing health care for yourself as an entrepreneur, even with a college degree, is no small feat. Many (but not all) states require that a "group" plan involve at least two people. Now that individual health care plans cannot as easily reject applicants on the basis of pre-existing conditions, this isn't as much of a problem, but it's still absurd that entrepreneurs in one state should have to work more or less hard to secure basic health care than entrepreneurs in another, or bring on other individuals too soon. - Aaron Greenspan
'Let's get a non-regressive tax system for businesses'
'Let's tax corporations that source labor or goods overseas'
Address the trade deficit/globalized off-shoring model. A trade deficit must be borrowed by definition. It wasn't a big deal at 1% GDP in the 1990's, but at 6% in 2008 it created so much borrowing (and the funds were diverted into houses) that it created a bubble, which has since burst. Bernanke has argued that a trade deficit pushes money into a country, which lowered interest rates. All of the countries in Europe that are struggling have significant trade deficits, while Germany has a sizable surplus. So let's tax corporations that source labor or goods overseas for the wage differential. If a foreign company wants to sell here, it can build a plant here to employ our workers or else pay the tariff for the wage differential. We allow our corporations to circumvent our labor laws, generating record profits for them and huge safety net costs for the government. We don't know about them because we are borrowing rather than taxing to pay for these costs. - Farcaster
'Abolish the payroll tax'
The number one most entrepreneur-friendly (and worker friendly and economy friendly) policy would be to abolish the payroll tax. Second one would be cheaper healthcare, as David Ryan points out. Third one would be to, if not lower taxes, at least drastically simplify the tax system. (Loopholes favor big companies at the expense of smaller ones.) - Pascal-Emmanuel Gobry
'All I need is for the tax code to stop trying to do hundreds of things (most of them badly)'
The best thing we could do with the tax system to encourage entrepreneurs? Simplify it. At the moment, I have a choice of spending my money on an "expert" who can navigate the mess, or paying way more than I theoretically should because I don't have time and expertise to study tax law for several years so I can do my own. I don't need special tax credits. I don't need special tax rates for capital gains. I don't need subsidies. All I need is for the tax code to stop trying to do hundreds of things (most of them badly), and just raise revenue. Nothing more. It doesn't even need to be a flat tax; probably shouldn't be. It just needs to be simple enough that a normal person can figure it out. I've got better things to do with my time and money than mess with the tax laws. - wjca
'Simplify the tax code'
The best way to help entrepreneurs is to simplify the tax code. Cut the tax rates to 1 or 2 tax rates. Eliminate virtually all personal deductions. The government should quit trying to play God in funneling where income should go. Specifically:
-- Find the income tax rate that raises the right amount of money. Maybe 2 rates. Give the practicability of low rate of tax to the government and stop all of the activity designed to lower taxes.
-- Equalize tax treatment for wages and benefits. Why should one form of income be tax free while another be taxed. This distortion makes companies find a way to transfer income via benefits instead of cash. Full taxation to individual for medical and other benefits provided by companies.
-- Elimination of large personal tax deductions, especially the mortgage interest deduction. A huge part of the entrepreneurial class is the guy who owns a single rental house. But distortions of the housing market due to deduction of interest increases prices of real estate makes it harder to purchase one.
-- Eliminate double taxation of dividends. There's absolutely no reason for income to be taxed both at the corporate and the individual level.
I'll stop there. But there's lots more in the tax code. Every carve out by powerful interests hurt entrepreneurs (although some fit in both categories). Get the government out of the way so the entrepreneurial class can flourish is the best way to help them. - Buckland
'Plant the seeds of entrepreneurship'
[We need] some way of planting the seeds of entrepreneurship into the minds of young people. Maybe more ways to get school credit for work. More skills training that's relevant to entrepreneurship, like make business mandatory and make PE an elective. Something in the education part of the platform. [We also need] community college or local education offerings to help small business owners get a handle on the parts they are not good at. Most of the successful business owners I know are really good at whatever generates revenue and had to learn a lot about running a successful business. Another education plank in the platform. - Joe Lessard
'Foster entrepreneurial capacity'
The real issue: fostering an entrepreneurial capacity within the population. As David Brooks pointed out in his brilliant piece, The Organizational Kid, the meritocracy does not really measure merit, but measures the ability of kids to configure their lives and personalities to optimally perform the tasks given to them. This social conditioning, from early childhood, robs this generation of the ability to challenge authority, think unconventionally, and take risks. Their ambition, drive, and intelligence is focused on getting 4.0 GPAs, to get to right college, to get to the right career, with the right firm... they're (we're) just looking for the next hoop to jump through, the next goal to achieve. If kids can't brawl in the sandbox, say "hell" in their graduation speech, or cross the street, in middle school, without a safety officer, can you really expect them to build a business? Is there a policy solution for that one? Well, let kids sell their lemonade without health officers shutting them down. That'd be a start. -A_Lee
'Don't tell kids to drop out of school'
In order to build a business you need skilled workers, and it's no secret that workers with modern skills are hard to come by these days. The solution isn't paying smart students to skip college, whatever Peter Thiel might like to believe. It's paying attention to students as individuals, instead of applying cookie cutter templates to wide swaths of people. So if a student is making great progress and is capable of running circles around Google's top engineers after three years, if that student wants to, what's the harm in letting him or her graduate a year early? Or if an elementary student with disabilities is having trouble with writing or any other basic skill, are there resources available to help that student get to the required baseline, or will an arbitrary standardized test dictate that he or she will never make enough progress to live an independent life? These issues are surprisingly simple to solve; they just require funding. - Aaron Greenspan
'Reduce regulatory uncertainty'
The biggest thing a government, Democratic or Republican, can do to help entrepreneurs is to reduce or eliminate regulatory uncertainty. A great example of uncertainty hurting entrepreneurship is the recently passed JOBS act. Despite strong bipartisan support, the SEC has yet to rule on how the law will be implemented. I've spoken to many entrepreneurs who are delaying expanding their business or starting a new one because they aren't sure how the law will affect them. - Ilya Lichtenstein
'Roll back the bankruptcy laws to pre-2005'
Roll back the bankruptcy laws to pre-2005 to reduce the cost of risk. This is a big one. The change of bankruptcy laws to benefit huge financial institutions, that then got bailed out by the same tax payers against whom they lobbied to get these draconian changes to bankruptcy laws passed was... well not just shocking... not just a demonstration of how corrupt and off-track our political system has become... not sure what the word is but it goes beyond hypocrisy. I remember growing up outside of the US learning quite explicitly that one of the geniuses of the American system, a key factor in its dramatic success compared to other countries, and a competitive advantage, was its bankruptcy system that allowed people to try things; put in best efforts; but in the worst case scenario get a fresh start. Getting rid of that was insane and I worry about its long term consequences. US entrepreneurs already face additional risks versus their overseas counterparts - like lack of a healthcare system not tied to employers - and taking away a major structural advantage they had is almost certainly going to have a detrimental effect. - richardjordan
Stop drowning small businesses with paperwork
Something as simple as payroll is a gigantic administrative issue. Has anyone looked at a federal form 944 that must be filed quarterly if you have any payroll? Sure -- you can have an ADP do it for you, but the complexity of the government filing for doing something as simple as paying somebody to work for you is a bit much. I am not sure people fully understand the amount of Fed, State and Local paperwork filing that must be done regularly, even for small businesses ---- all of which generally bears the legend of "required by law." - marketkarma
'Reduce frivolous patent applications'
As much as meaningful patent reform is sorely needed, so is reform concerning the way in which patents can be enforced. Patent holders should be required to prove that they are using their inventions in commerce in order to file a legitimate infringement claim in court. This single change would drastically reduce the number of frivolous patent applications coming into the USPTO, cutting down processing times for legitimate ones. The treble damages rule should also be amended to avoid incentivizing entrepreneurs to file "blind," only to learn that the same invention has been patented several times over. - Aaron Greenspan
"Patent trolls are killing small innovators." - Zansfar Ifnif
Customers and real estate prices are the over-arching challenges
As someone who's lived in Silicon Valley for decades, and has heard many VC pitches, I have to say that tax policy just isn't an issue for startups. Unless and until profitability is reached, taxes don't matter. Nobody mentions tax issues in their VC pitch, unless they're pitching some financial product. Health care is something startups would rather have somebody else worry about. Regulation by government isn't a big deal, either. Arbitrary regulation by the Apple App Store, Comcast Cable, or AT&T/Verizon is much more of an issue. (If your iPhone app is too good, Apple enters the business and kicks you off the iPhone. It's happened more than once.) Issues that matter to Silicon Valley startups are finding customers with disposable income, overpriced local real estate, and being crushed by cheap imports from China.
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Monday, May 10, 2010
A cup of coffee or: I'll have a super supremo grande please!
8 comments:
- Andrea Duff said...
A small correction, Susanna. Cibo calls the coffee (in order of size) 'Cafe'; 'Alto' and 'Grande'.
Even if you say 'I'll have a small coffee', they say back to you 'one Cafe, then?'.
- May 12, 2010 at 1:03 AM
- Unknown said...
I would guess it is happening because the shops make more money with larger drinks. Suppose they sell you 12 ounces instead of six, but still call it small. You're getting way more than you want (or can drink). They still get the extra cash they want. My two cents.
- May 12, 2010 at 6:52 AM
Everybody has to be cute. Cute sets you apart. Cute, whether right or wrong, provides someone material for a blog post.
So few people and businesses name things in a normal way. Look at the pharmaceutical industry; it is always making up words for its drugs. Consider how parents name their children; you have to ask everybody to "please spell that."
It is, quite honestly, ridiculous!
- May 20, 2010 at 6:02 AM
I'd like to think that more folks who visit this site know this but the famous coffee company that seems to confuse the general population with its sizes isn't necessarily to blame. And the general population need not be so confused.
They began with two sizes--short and tall (10 and 12 ounces, respectively)--but as the insatiable appetite for coffee grew, so did their sizes. So where do you go if you want to add a larger size to short and tall? Grande. 16 ounces.
Then when 16 ounces of caffeine and deliciousness just isn't enough? Well, we have a bit of a problem.
Since it's 20 ounces, they probably figured, let's just keep it easy and go with numbers. There's no mistaking that the 20 ouncer is named "20"...
Sure, they went with the Italian for 20, but really, should that REALLY be that unknown or confusing to folks? If it is, what's the harm in asking when you don't understand something? You might find that people are NOT aiming to confuse you after all!
Now, whether or not the workers at various coffee shops are snobs about it is a completely different issue...
Fun post!
- May 30, 2010 at 8:47 PM
- PurrPrints said...
As a former Starbucks employee, just thought I'd add another element to the confusion - they have (or at least used to have) a "small" size, which was really a mini--a kind of half-cup--and so they named the size most people would identify as a normal small as "tall" to distinguish it from their mini cup. Or at least that was the explanation I received when I asked why on earth a small cup was called a tall.
We could also get in trouble if we didn't repeat an order in Starbucks lingo (i.e. a customer would order a small latte with skim milk, and we had to say "one tall skinny latte, coming up")--so don't get mad at your baristas when they do that--they may just be trying to avoid managerial reprimands!
- June 29, 2010 at 7:42 AM
- Andrea Duff said...
Thank you, PurrPrints. I can tell you they do the same in cafes in Adelaide. You say 'medium, please', then they repeat back to you their size brands 'that would be an Alto, then?'
- June 30, 2010 at 3:41 PM
- Ooddy said...
I had a Grande at Cibo last week but I thought that I ordered a medium.
- August 17, 2010 at 12:12 AM
- Andrea Duff said...
Ooddy - I'm glad we have managed to clarify the sizings of Cibo coffee cups for you.
- August 21, 2010 at 12:45 AM


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Long days part of Nieto's journey to big leagues
Cuban catcher determined to put forth effort and take advantage of opportunity
GLENDALE, Ariz. -- Making the jump from the Carolina League to the White Sox Opening Day roster stands as quite a daunting challenge for Adrian Nieto.
Add into the mix that Nieto has to make this climb as a catcher, where he's not only responsible for himself but also the pitching staff, and it becomes a bit more difficult.
Finalize the journey with Nieto's status as a Rule 5 Draft selection, meaning he would have to be offered back to the Nationals if he doesn't stay on the 25-man roster all season, and it's clear this will not be an easy first big league camp for the 24-year-old switch-hitter.
Difficult doesn't mean impossible. Not for a player who, as a result of his own actions, had baseball taken away from him for 50 games at the start of the 2011 season after testing positive for the anabolic steroid Oxandrolone and performance-enhancing Metabolite.
Not for a young man who left Cuba at 4 1/2 years of age with his parents and 18 other people in the middle of the night on a 20-foot wooden boat in search of the American dream. That journey was about survival, but certainly on a far different level than trying to become the most qualified catcher to break camp on March 28.
"We were worried about dying," Nieto told MLB.com of his family's departure from Cuba during a rare down moment in his first week of camp. "I didn't know how to swim. My mom didn't know at all. It was just a journey that you hope for the best and just go out there and you hit land somewhere that's not Cuba. It's a risk definitely, but it was worth it."
Nieto recounted how his family left Cuba around midnight and was out on the water for 13 hours, guided north only by a compass that they didn't know was right or wrong. They were rescued by the Coast Guard and taken to Guantanamo Bay, where they remained for six months and six days before coming to the United States.
His father, Adrian, presently works for American Heritage High School, and his mom, Teresa, previously worked there. They reside in Hialeah, Fla., but much of their current focus centers on Camelback Ranch and their son.
"They are very proud, and I just want to continue to make them proud," Nieto said. "That's one of the reasons if I don't work hard enough, I feel like I'm cheating them. Everything they did for me to be in this position. It's why you rarely see me at my locker.
"This is a great opportunity here. I can play baseball and do whatever I want. Back home, I wouldn't be able to do whatever I wanted. It's a blessing. This country has given me more than I ever thought would give me."
A typical Spring Training day for Nieto begins around 6:45 or 7 a.m., when he arrives at Camelback Ranch to work out. He has breakfast and then either goes for catchers' early work or takes extra hitting. On Wednesday, Nieto caught his first live bullpen session with the rotation's top starters in Chris Sale and Jose Quintana.
That full day's activity was completed by an extra 30 minutes of hitting in the cages.
"If you are not doing something, you are not getting better," said a smiling Nieto. "You don't get better at the house."
"I see a kid who really loves to play the game," said White Sox bench coach Mark Parent. "He does look young and sort of inexperienced compared to guys I'm used to seeing. The tools are there and it's a viable thing for the future, then we got to give them a good look."
As a result of this bullpen session, Parent, a former catcher, advised Nieto that he was setting up a little early and that opposing players could tip it. Nieto also talked with Sale about what he wanted with certain pitch selections, which is all part of the learning process.
"I'm here for them. And it's my No. 1 job, taking care of those guys," Nieto said. "If they want me to catch with both knees on the ground, I'll do it. Whatever they want. I'm here to learn them as quick as possible."
"He was very easy to talk to and work with," Sale said. "He wanted to kind of know, 'Hey, two-seamer arm side, you are coming in, you are going to run it in there?' I like how he sets up. He gives a low target. He does all the things you want a catcher to do, especially when you are unfamiliar. He's doing all the right things."
Over 110 games played for Class A Advanced Potomac in the Nationals system during the 2013 season, Nieto hit .285 with 11 homers and 53 RBIs. He "has a little sting in his bat," according to Parent, but that's just one of the intangibles that could help Nieto make such a significant jump.
It's the ultimate offshoot of a re-commitment Nieto claims began in 2011, following the suspension.
"I'll tell everybody that was a wakeup call for me. It really was," Nieto said. "It made me grow up, look myself in the mirror and really check myself and see if this is what I really wanted to do.
"Coming up through the Minors for the first three years, I took this for granted, thinking this can never be taken away. It can be in the snap of a finger. It was a mistake. I learned from it and moved on.
"Now I've got to tell myself I belong and go out and play the game and let things take care of themselves," Nieto said. "It's a tough jump, but it's still baseball."


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In a highly biodiverse Andean rain and cloud forest in northwest Ecuador, the recently opened Mashpi Lodge is outdoing every old-guard enviro-conscious hotel. Here's how:
Old Eco: Build the lodge on the border of a national reserve, to take advantage of its abundant wildlife.
New Eco: Become the reserve. Mashpi created a 42,000-acre protected area and employs an on-site biologist who spent two years there before the hotel was even built.
End Result: Mashpi's resident scientists are studying one of the last tracts of this kind of forest; they've already discovered new birds, mammals, plants, insects, and frogs.
Old Eco: Unpredictable solar panels and loud diesel generators provide electricity and (lukewarm) water.
New Eco: Mashpi built its own hydroelectric plant. Hydroelectricity is waste-free and silent, and Mashpi's little plant uses a stream, so there's no need for a landscape-changing dam.
End Result: Hydroelectricity is expensive, but it has less of an impact on natural resources than a generator's gasoline would—and produces no nature-endangering emissions.
Old Eco: Organic produce is hauled from the nearest capital or transported many hours down a river.
New Eco: Hyperlocavorism: Cooks forage for fruits and berries, grow herbs, make chocolate from cacao trees, and harvest biodynamic foods such as guava, uvilla, and plantains.
End Result: Less food is brought in from Quito, so fuel is saved. Plus, Ecuador's famed Arriba Nacional cacao bean is preserved, and fresh herbs and fruits are always on hand.
Photos from the lodge:
Old Eco: A private investor is focused on his hotel's financial sustenance but not necessarily the community's.
New Eco: The Ecuadorian government gave $1.5 million to Mashpi and required that 80 percent of staff be local and 15 percent of its shares go to employees and residents.
End Result: Since the hotel is beholden to the local community—and locals have a stake in Mashpi—the success of both entities is in everybody's best interest.
Old Eco: Ecolodges' noisy zip-lines scare away wildlife and require sections of the forest to be razed.
New Eco: A 1¼-mile aerial tramway travels through the clouds, not the forest, so no trees were chopped down. The unsullied terrain at its apex would take days to reach on foot.
End Result: Bird's-eye views of the canopy tops—the least studied but most active parts of the rain forest—are possible without concern about a massive ecological footprint.
Photographs courtesy of Mashpi Lodge