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Term of Services
By clicking on "Save" or by visiting or using the Komshi.ca Portal or any other Portal or sub domain hosted by Komshi including without limitation your neighborhood's individual Portal (individually and collectively the "Portal"), you agree to the following Terms of Use and acknowledge that these Terms of Use constitute a binding contract between you and Komshi.
IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, YOU MUST NOT CLICK ON "ACCEPT" OR VISIT OR USE THIS PORTAL, YOUR NEIGHBORHOOD'S INDIVIDUAL PORTAL OR ANY OTHER PORTAL HOSTED BY Komshi.
Komshi reserves the right to modify these Terms of Use at any time in its sole discretion and without notice of any kind. You are responsible for reviewing these Terms of Use from time to time so that you will be apprised of any changes.
General Limitations on Use
The Portal is offered solely for your personal and non-commercial use and you agree not to use the Portal, in whole or in part, for any commercial purpose, for any unlawful purpose, or in any way prohibited by these Terms of Use. You will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another web page, use on any other Portal, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the Portal. You will not use the Portal in any manner that could damage, disable, overburden, or impair the Portal or interfere with any other party's use and enjoyment of the Portal. You must be at least fourteen (14) years of age to use the Portal.
You agree that you will not impersonate, or misrepresent your affiliation with, any person or entity and that you will promptly provide true, accurate and complete user information to Komshi if requested. You agree that you will not access or attempt to access password protected, secure or non-public areas of any of the Portal, except for those areas for which you are authorized access by issuance of a password by Komshi or its authorized designee. You are responsible for use of the Portal by persons to whom you have intentionally or negligently allowed to access your password. If you attempt to access prohibited areas of the Portals, you may be subject to prosecution. You agree not to create links from any Portal or web page to any page within the Portal without the prior express written permission of Komshi, which permission may be granted or denied in Komshi's sole discretion and, if granted, may be subject to certain additional terms and conditions. Please contact Komshi to request permission to link to the Portal.
Komshi may terminate your access to and use of the Portal, or any part thereof, with or without notice in its sole discretion and at any time. If Komshi determines or suspects that you are using or attempting to use the Portal for any inappropriate, illegal, non-personal, or commercial purposes, including but not limited to activities such as hacking, infiltrating, fraud, advertising, jamming or spamming, Komshi may initiate appropriate legal actions without prior notice to you, including but not limited to actions seeking lost revenue, repairs, legal fees, costs and expenses, injunctions or other equitable remedies.
Content Provided to You
The Portal may contain information and materials originated by Komshi (the "Komshi Content"). Komshi presents and makes the Komshi Content available as a public service. Komshi does not guarantee the accuracy, sufficiency, correctness, veracity, completeness, or timeliness of the Komshi Content. You are responsible for confirming the sufficiency and reliability of any Komshi Content you may use or rely upon.
For your convenience, the Portal may contain information and materials from third parties and links to third party Portals ("Third Party Content"). Third Party Content is not under the control of Komshi and Komshi is not responsible for Third Party Content or any changes or updates to Third Party Content. Komshi provides Third Party Content to you only as a convenience and the inclusion of Third Party Content does not imply endorsement by Komshi of the Third Party Content or of the third party. You may be subject to additional or different terms, conditions, and privacy policies when you use Third Party Content.
The Portal may include listings of goods and services available from your neighbors or from other third parties. Komshi does not review or verify the information or representations in those listings. Komshi makes no guarantees or representations regarding the accuracy of those listings and Komshi does not endorse or recommend the goods or services of any third party. It is entirely up to you to enter into a direct contract or otherwise reach agreement with a listing third party, and Komshi does not guarantee or warrant the performance of any such listing third party. YOU HEREBY AGREE TO RELEASE Komshi AND ITS LICENSORS AND SUPPLIERS FROM ANY DAMAGES OR CLAIMS (INCLUDING WITHOUT LIMITATION CONSEQUENTIAL AND INCIDENTAL DAMAGES) OF EVERY KIND OR NATURE, SUSPECTED OR UNSUSPECTED, KNOWN OR UNKNOWN, AND DISCLOSED OR UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR DEALINGS WITH ANY LISTING THIRD PARTY.
The Portal may include a service whereby you and third parties can post comments or otherwise communicate with your community association representatives, your neighbors or other third parties. You acknowledge that Komshi is acting as a passive conduit for the transmission of such posts and communications and you hereby grant Komshi permission to disclose any or all of the information that you provide to Komshi when using this Portal. Komshi is under no obligation to monitor, pre-screen, or otherwise censor posts or other communications. Komshi does not guarantee the appropriateness, accuracy, sufficiency, correctness, veracity, completeness or timeliness of posts or other communications. You are responsible for confirming the sufficiency and reliability of any posts or other communications you may use or rely upon. If you suspect that any of posts or communications infringes the copyright of any person or entity or contains objectionable content, please notify Komshi by contacting Komshi.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF AND RELIANCE UPON ANY AND ALL INFORMATION, MATERIALS AND SERVICES ON THE PORTAL (INCLUDING WITHOUT LIMITATION CONTENT ADDED BY Komshi, THIRD PARTY CONTENT, POSTS AND OTHER COMMUNICATIONS) IS AT YOUR SOLE RISK. SUCH INFORMATION, MATERIALS AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Komshi MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, OR GUARANTEES WITH REGARD TO THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMELINESS OF SUCH INFORMATION, MATERIALS OR SERVICES. Komshi EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Without limiting foregoing, Komshi specifically disclaims (a) any and all responsibility or liability for the accuracy, content, completeness, legality, reliability, or operability or availability of information, materials or services on the Portal; (b) any responsibility for the deletion, failure to store, mis-delivery, or untimely delivery of any posts or other communications, information or materials; and (c) any responsibility for any harm resulting from downloading or accessing any communication, information or materials on the Portal or on the Internet through the Portal.
Limitation of Liability
IN NO EVENT SHALL Komshi, ITS LICENSORS, ITS LICENSEES OR SUPPLIERS HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY LOSS, EXPENSE, OR DAMAGE, INCLUDING WITHOUT LIMITATION CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES AND INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF USE, LOSS OF DATA OR FOR LOST PROFITS OR LOST REVENUE, CAUSED DIRECTLY OR INDIRECTLY BY THE USE OR RELIANCE UPON INFORMATION, MATERIALS, SERVICES, POSTS OR OTHER COMMUNICATIONS PROVIDED ON THE PORTAL OR ACCESSED THROUGH THE PORTAL, THE USE OR PERFORMANCE OF THE PORTAL OR THE DELAY OR INABILITY TO USE THE PORTAL, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Komshi OR ANY OF ITS LICENSORS, LICESEES, OR SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS, EXPENSE OR DAMAGE AND EVEN IF A REMEDY IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE PORTAL IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE PORTAL, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE PORTAL. Without limiting the foregoing, under no circumstances shall Komshi or its licensors, its licensees or suppliers be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.
Content Provided By You
Komshi may require that you provide specific information about yourself in order for you to participate in certain services available on the Portal and may solicit your opinion about the Portal or other matters (the "Solicited Information"). Komshi is committed to maintaining the privacy and security of Solicited Information as provided in the Komshi Privacy Policy.
The Portal may include a service whereby you can list offers of goods or services being made available by you, post comments or otherwise communicate with your community association representatives, your neighbors or other third parties ("Your Communications"). Komshi is under no obligation to monitor, pre-screen, or otherwise censor Your Communications. Komshi is not responsible for the appropriateness, accuracy, sufficiency, correctness, veracity, completeness or timeliness of Your Communications. Always use caution when posting any personally identifying information about yourself or your children on the Portal. If you list goods or services available from you, it is entirely up to you to enter into a direct contract or otherwise reach agreement with any interested third party, and Komshi does not guarantee or warrant the performance of any such third party. YOU HEREBY AGREE TO RELEASE Komshi AND LICENSEES AND ITS LICENSORS AND SUPPLIERS FROM ANY DAMAGES OR CLAIMS (INCLUDING WITHOUT LIMITATION CONSEQUENTIAL AND INCIDENTAL DAMAGES) OF EVERY KIND OR NATURE, SUSPECTED OR UNSUSPECTED, KNOWN OR UNKNOWN, AND DISCLOSED OR UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR DEALINGS WITH ANY INTERESTED THIRD PARTY.
You agree that you will not use the Portal to: (a) post or transmit any content not related to appropriate subject matters; (b) post or transmit any content which is misleading to others; (c) post or transmit any content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or is racially, ethnically or otherwise objectionable; (d) post or transmit any content that you do not have a right to post and transmit under any law or under contractual relationships; (e) post or transmit any content if doing so infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party; (f) post or transmit any materials that contain software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; or (g) intentionally or unintentionally violate any applicable local, provincial, national or international law, or any regulations having the force of law.
By posting or transmitting Your Communication to the Portal, you grant Komshi a non-exclusive license to host, use, reproduce, modify, distribute, transmit, combine with information provided by third parties, and publicly display Your Communication on and through the Portal and in Komshi's advertising and promotional materials.
You acknowledge that, while Komshi does not pre-screen Your Communication, Komshi and its designees shall have the right (but not the obligation) in their sole discretion to refuse or to remove any content that is posted by you or any other party to the Portal. Komshi reserves the right to disclose any information about you or Your Communication to satisfy any applicable law, regulation, legal process or governmental request.
By posting or transmitting content to the Portal, you warrant and represent that you own or otherwise control all of the rights to such content including without limitation all the rights necessary for you to post or transmit such content.
YOU AGREE TO INDEMNIFY AND HOLD HARMLESS Komshi AND ITS LICENSORS AND LICENSEES AND
SUPPLIERS, AND EACH OF THEIR AFFILIATES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS, FROM ANY AND ALL CLAIMS AND DEMANDS MADE BY ANY THIRD PARTY (INCLUDING WITHOUT LIMITATION REASONABLE ATTORNEYS' FEES INCURRED TO DEFEND SUCH CLAIMS OR DEMANDS) (A) DUE TO OR ARISING OUT OF ANY INFORMATION OR MATERIALS SUBMITTED, POSTED, OR OTHERWISE PROVIDED BY YOU (INCLUDING WITHOUT LIMITATION SOLICITED INFORMATION AND YOUR COMMUNICATIONS) TO THE PORTAL, Komshi OR ITS LICENSORS OR SUPPLIERS; OR (B) DUE TO OR ARISING FROM YOUR USE OF THE PORTAL OR YOUR VIOLATION OF THESE TERMS OF USE, OR ARISING FROM YOUR VIOLATION OF ANY RIGHTS OF A THIRD PARTY.
These Terms of Use will be governed by and construed in accordance with the laws of the Province of Alberta, Canada, without giving effect to its conflict of laws provisions or your actual province or country of residence. You hereby consent to the exclusive jurisdiction and venue of the federal or provincial courts of Hamilton County, Alberta in all disputes arising out of or relating to the use of the Portal or these Terms of Use. Use of the Portal is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms of Use including without limitation this paragraph. You agree that, regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Portal or these Terms of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and Komshi as a result of these Terms of Use or your use of the Portal. Komshi's performance of these Terms of Use is subject to existing laws and legal process, and nothing contained in these Terms of Use is in derogation of Komshi's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Portal or information provided to or gathered by Komshi with respect to such use. If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms of Use shall continue in effect.
These Terms of Use constitute the entire agreement between you and Komshi with respect to the Portal and these Terms of Use supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Komshi or its licensors or its licensee or suppliers with respect to the Portal. A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use. These Terms of Use will inure to the benefit of Komshi's successors, assigns and licensees. The failure of Komshi to exercise or enforce any right or provision of these Terms or Use does not constitute a waiver of such right or provision. Headings are included for convenience only and have no legal or contractual effect.
All information, materials and services provided on the Portal and the organization and layout of the Portal are owned and copyrighted or licensed by Komshi or its licensors or suppliers. No reproduction, distribution, or transmission of copyrighted materials on the Portal is permitted without the express written permission of Komshi in each instance. Any rights not expressly granted herein are reserved.
Infringement should be sent to email@example.com


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Should You Take a Vacation From Checking Your Email?
How long can you go without checking your email on your smartphone? For many smartphone owners, the ability to access email anywhere, anytime can disrupt their time spent away from the office — and possibly get in the way of fully enjoying family gatherings this holiday season. Staying connected to email isn't necessarily a negative thing — it just depends on what we're looking at and how often we check our devices.
Noelle Chesley, Ph.D., associate professor and director of undergraduate studies in the Department of Sociology at the University of Wisconsin-Milwaukee, tells Mashable that communication technology, like smartphones and social media, blur the lines between our private lives and our public selves. Sometimes this can be problematic, she explains. In a study she conducted in 2005, cellphone use was linked to distress "because the technology allowed negative work experiences to spill over into personal life." However, technology is also used to connect with those we care about. "Some research suggests that regular technology use is connected to stronger family relationships," she added.
"So, the question is, how well can each individual person use technology to do the things that are positive for us, like help us connect with family and friends — so important around the holidays — and yet not connect to things like work that might interfere with our holiday family celebrations?" she said.
For one, don't get obsessed. A Time magazine survey of 5,000 people showed 20% said they can't go more than 10 minutes without checking their smartphone (whether they're checking email or not, we don't know). And another survey of executives showed 98% check their email on their smartphones after they leave the office.
"I believe that everyone needs periodic breaks from their email," Jeff Davidson, work-life balance expert and professional speaker, tells Mashable. "However, it's different depending on the job description, who they report to what their responsibilities are and so on. I used to recommend that people go long stretches without checking email, that info is now too stark for the populace — they can't do it anymore, their anxiety levels would rise too high."
Now he tells people to get a timer and give yourself 20 or 30 minutes where you focus on one task without checking your email or smartphone.
'It's a small promise you make for yourself and it's one that will give you an uninterupted stretch of time," he said.
If you don't give yourself this timer, he said, you'll check your messages simply because you can and it's tempting.
"Most older users remember a time before email, for some people email has always existed," he said. "We thought that having a mobile device would free us, but now the mobile device has enslaved us more than the landline ever could. We must make the rules regarding our personal use of technology."
Another way to not check your email constantly — don't give yourself the option. Leave your smartphone in your car (hidden in the glovebox) when you're going into a theater or when you're going shopping.
Internet addiction, or Internet-Use Disorder, is officially listed in the latest DSM, a manual for psychologists that lists every mental condition, however psychologists say it demands further study. Along with other behavioral addictions like sex addiction and gambling addition, Internet addiction causes an addict to feel that they're loosing control. The addict pursues their addiction despite the lack of gain and the ever-increasing cost.
While you're addicted or not, it's wise to take a break from checking your work email during your time off. In a study at the University of California, Irvine, researchers concluded that people away from email for five days "experienced more natural, variable heart rates," meaning they were less stressed and healthier.
Children and teens, in particular, are suseptible to Internet-Use Disorder. According to one study, too much Facebook can lead to mental disorders in teens like antisocial behavior and narcissism, plus low grades. So this holiday season, you might want to have your kids to disconnect for awhile.
"It probably doesn't hurt anything to encourage people to take a holiday from technology as part of the holidays, but the fact is, we don't know whether device use of any kind is hurting the overall quality of our family interactions," Chesley said.
How long can you go without checking your email on your smartphone? Will you go the entire Thanksgiving holiday? Tell us in the comments.

subset: commoncrawl


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You don't have any saved vehicles!
Look for this link on your favorites:
Once you've saved some vehicles, you can view them here at any time.
2018 Toyota Silver Corolla
2018 Toyota Corolla L in Silver with 35604 on the odometer, vehicle highlights include. 1.8L I4 DOHC Dual VVT-i 28/36 City/Highway MPG CVT
WE DELIVER TO YOUR HOME OR OFFICE !!.....To Serve Customers for Life! That is the mission of the Schumacher Family of Dealerships. It is the driving force behind the hard work and sincere commitment on the part of our team to provide you with the absolute best automobile shopping experience possible. Value and quality in the products you choose are just the beginning. Service and commitment are long-lasting. For over 45 years Schumacher has been an organization that people know to be of the highest integrity, providing you world class pre-owned products and a sincere focus on your ongoing satisfaction for many years to come. We invite you to come discover why so many have joined the Family of Satisfied Schumacher Customers. Priced below KBB Fair Purchase Price!
CARFAX One-Owner. KBB Fair Market Range Low: $13,047
* 2018 KBB.com 10 Most Awarded Brands * 2018 KBB.com Best Resale Value Awards
Vehicle pricing includes all factory incentives and listed rebates. Tax, Title, Registration, and $995.00 dealer fee not included in vehicle price shown and must be paid by the purchaser. Dealer installed accessories may increase actual cost of vehicle. You must finance through Chrysler Capital to receive bonus cash. While great effort is made to ensure the accuracy of the information on this site Schumacher Auto Group is not responsible for pricing, or typographical errors. Please call us for details at (844) 568-6892 or by visiting us at the dealership.
**With approved credit. Terms may vary. Monthly payments are only estimates derived from the vehicle price with a 72 month term, 2.9% interest and 20% down payment.
While we make every effort to ensure the data listed here is correct, there may be instances where some of the factory rebates, incentives, options or vehicle features may be listed incorrectly as we get data from multiple data sources. PLEASE MAKE SURE to confirm the details of this vehicle (such as what factory rebates you may or may not qualify for) with the dealer to ensure its accuracy. The dealer cannot be held liable for data that is listed incorrectly.
*Number of views in last 30 days
† Based on 2018 EPA mileage ratings. Use for comparison purposes only. Your actual mileage will vary depending on how you drive and maintain your vehicle and maintain your vehicle, driving conditions, battery package/condition (hybrid models only) and other factors.
At Schumacher Chrysler Dodge Jeep Ram of Delray of Delray Beach, we want your experience to always be positive. From the moment you step inside our showroom and find the latest Jeep Cherokee, Jeep Renegade, Dodge Charger, Chrysler 200 and RAM 1500 models on display, we're here to help put you behind the wheel of the right new or used vehicle for you.
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844-599-8881Call Now
2102 S Federal Hwy Suite A • Delray Beach, FL 33483Get Directions
Open Today! Sales: 8:30am-8pm
Open Today! Service: 7:30am-6pm


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After a long time, a new download category has made it onto the site.
The publisher of Coffee House Magazine (a UK trade publication) has kindly agreed to allow us to offer the pdf version of the magazine as a free download. The August edition is available now.
Personally I find the magazine interesting. I hope other TMC members will too. BTW, if you look hard enough you will see references to at least 3 TMC members other than the publisher in this month's edition.


text: I need to convert 6 different saiga 2x 7.62, 2x 308, 2x 12G, so i need parts like K-VAR stock sets, FCG's, trigger guards, and so on. Does anyone know of a place that has then cheap or a board sponsor that gives member discounts?? Any help will be awesome. Thank you for your time, Harleyc


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Check out Pats Fans with Paws and other great reader photos by following wickedlocalpix on Instagram. Your amazing image could be our next Wicked Local Reader Photo of the Day. Email pictures with captions to email@example.com.
We're always asking our readers to share their photos with us. From cute pet pics and school reunion shots, to our recent call for Patriots pride fan photos you keep coming through by capturing amazing images and sending them to email@example.com.
Midway through the week and feeling a bit whimsical, we're spotlighting silly, funny or fanciful reader photos; unusual images that amuse and delight.
Salem resident Maura Murphy has the Whimsical Wednesday Wicked Local Reader Photo of the Day with this doggone adorable picture of her Pats fan pooches sporting some fetching New England team gear. Known as the Murphy "nesting doodles" they are: Abbie-a Swiss Ridge doodle, Gibbs-a tiny Bernedoodle, Cody-a tiny golden doodle, Sula-a mini Bernedoodle, and Raglan-a standard Bernedoodle.
Your amazing (or whimsical) image could be the next reader photo featured. Email pictures with descriptive captions to firstname.lastname@example.com.
You'll find the Wicked Local Reader Photo of the Day by following wickedlocalpix on Instagram. And you can share your amazing images with us on Instagram using #wickedlocal.


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In my last post, I talked about how your technology department shouldn't really be the one making system-wide decisions for the library.
There's a couple other sides to that coin, I think. They include:
Sometimes, IT should make those decisions. For example:
- They're the technology experts, and probably know what will work the best for the library. Listen to them!
- They know what they can and cannot support. Not to say they can't learn new things – that's what techie types do every day – but some things might not be within reach.
- They can be highly creative people with great ideas. Make sure they're part of the process.
- Sometimes the answer has to be no. For example, in the kids department at my library, we can't just put computers anywhere. The floor is a concrete slab, and requires lots of core drilling, routing concrete, and cabling runs that don't exist. So the answer from us is: sure, if you want to spend $10-20,000 more on the project. Or – how about let's rework that idea?
Sometimes, the rest of the library needs to make the decision (but isn't). You might have this happening:
- Admin/management is not tech-savvy, so IT has stepped in and is making decisions.
- Admin/management is being passive, not great at leadership, not great at strategic planning etc … so IT stepped in.
- There's simply no strategic plan – so guess what? IT (and reference, and collections, and youth services, etc) will step in and create their own strategies. I'm guessing there's a better way to do this!
If you're one of those library staffers saying "IT won't let me do this" – step back from that immediate problem, and ask yourself "why do they get to decide this?"
Then work on fixing that issue first.
Pic by Garrett Coakley


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I'm angry. I'm full of piss and vinegar and I just want to vent it all over the place. But, I'm not going to. I'm going to accept what it is as what it is and allow it all to flow like a river, or something else flowy, and let everything end up as it does. Somewhere, be it happy or sad.
I've been debating with myself what to do here: should I rant on about all the shite that I come across on my day to day dealings with the world, or should I try to see things a little more positively and look at life and the world as the eclectic manifestation it actually is? Here's my dilemma. I don't want to do either of these.


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Alaska Lodge Packages
Alaska Wildland Adventures is the proud owner and operator of three wilderness lodges on the Kenai Peninsula - Kenai Riverside Lodge, located on the banks of the upper Kenai River; Kenai Backcountry Lodge, a remote boat-in only lodge located on glacier-carved Skilak Lake; and Kenai Fjords Glacier Lodge, our exclusive seacoast paradise. These lodges provide the main lodging for many of our Alaska Adventures, Lodge Packages and Sportfishing Packages. Our lodges feature the perfect balance of unique accommodations, delicious food, an array of activity choices and excellent locations.Alaska Lodge Package Features:
- Adventure and activities at your pace: rafting, kayaking, hiking, fishing & more
- Authentic Alaskan ambiance, experience and comfort
- Alaska wilderness lodges: Kenai Fjords Glacier Lodge & Kenai Backcountry Lodge are surrounded by protected public lands
- Sportfishing from Kenai Riverside Lodge
- Add a lodge package to the vacation you are planning - perfect for the independent traveler


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Lots of WIP's (works-in-progress) at the moment. I've been binding my Seaside Stars quilt while watching Olympic swimmers and gymnasts and any other athletes the broadcast throws at me. (Like those synchronized divers. Holy smokes.) I need to finish writing up a pattern for this one and then I will share the finished quilt.
I've also been quilting away at this project for what feels like For.Evah. It will look really awesome when it's all done, but I'm gradually loosing steam as I plug away at it on my trusty Bernina. Normally I don't mind monotonous mundane tasks as much as the next person (for example, I really like vacuuming and ironing) but not so much sewing straight-line echo quilting for hours on end, I've discovered. Pattern in the works for this quilt too…
But that's probably not likely to happen in the extreme near future. Summer vacation is quickly barreling to a close – and we're trying to pack in as much as we can before it ends. I can't believe it. We had a camping trip earlier this week, this weekend is my 20-year-high-school-reunion (not sure how I feel about that one yet) and we're cramming in a trip to Yellowstone, tickets to Wicked, and as many last trips to the water park as we can manage before school starts in 2.5 weeks. Craziness.
So if I'm scarce for a bit with either posting or responding to emails, you'll understand why.
And later in the month a free pattern and tutorial for this quilt using Sarah Jane's Out to Sea collection which arrives in stores any time. If you're anxious to start something with Out to Sea even sooner, check in with Sarah Jane's blog for patterns and tutorials for pillows, dresses and even your own Mr. Narwhal mounted head! Because if that doesn't say summer, I don't know what does.


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Paradiso Safehouse
The Paradiso Safehouse is a safehouse located in Paradiso, San Fierro in Grand Theft Auto: San Andreas. The safehouse is located close to the Tuff Nut Donuts store, and near the border with Palisades and Santa Flora. Carl Johnson, the player character, can purchase the safehouse for $20,000. The safehouse has a garage that can store two cars.


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Dept Of Agriculture, Forestry And Fisheries Bursary 2013
The Department of Agriculture, Forestry and Fisheries intends awarding comprehensive bursaries to qualifying applicants pursuing and/ or intending to further their studies in critical scarce skills in agriculture, forestry and fisheries sectors for the 2013 academic year. The bursary will cover tuition, accommodation, books, meals and monthly allowance. The bursary awards target the previously disadvantaged and impoverished persons from poverty stricken and deep rural communities. Females and people with disabilities are encouraged to apply.
|Field of Study
(Agricultural Engineering)
|Mathematics and Physical Science 6 (70-79)
|Mathematics and Physical Science 5 (60-69)
|Mathematics and Physical Science 5 (50-59)
- It is worth noting that certain fields of studies are only available at certain institutions of higher learning:
- B.Sc. Bioresource Engineering (Agricultural Engineering): University of KwaZulu –Natal
- Bachelor of Veterinary Science (BVSc): University of Pretoria
- B.Sc. Viticulture and Oenology: University of Stellenbosch
- B.Sc. Forestry and Wood Science: University of Stellenbosch
- B.Sc. Oceanography and Marine Biology: University of Cape Town
- B.Sc. Ichthyology specializing in Aquaculture : Rhodes University
- National Diploma: Forestry : Nelson Mandela Metropolitan University
- National Diploma : Oceanography : Cape Peninsula University of Technology
- Applicants must be South African citizens.
- Applicants must complete relevant bursary application forms
- Successful candidates will be informed from 25 January 2013 after the National Bursary Committee has finalised the selection process. If you do not hear from us by end of January 2013, consider your application to be unsuccessful.
- All completed bursary application forms together with certified copies of ID and certificates/performance results should be sent to the following address:
Attention: Mr Philemon Mathebula For further enquiries please contact
|Attention: Mr Philemon Mathebula
|For further enquiries please contact
|Directorate: Sector Education and TrainingDepartment of Agriculture, Forestry and Fisheries
Private Bag X250
|Mr Thabang Sephai : 012 319 7923Mr Kaizer Ndlovu : 012 319 7358
Ms Tshilidzi Netshilema : 012 319 7848
(i) The Department of Agriculture, Forestry and Fisheries reserves the right to determine the total number of bursary allocations for the academic year based on the total budget available.
(ii) The National Bursary Committee will make use of the Bursary Scheme's 14 point system to allocate points to shortlisted applicants.
(iii) The Bursary Scheme of the Department of Agriculture, Forestry and Fisheries is in fulfilment of the sector strategic objective of elimination of skewed participation in the agriculture, forestry and fisheries sectors.
Closing Date: 30 September 2012


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Consumer Web • eCommerce
Havenly decorates and delivers your room to you - all for one flat fee. Fill out an easy (and fun) survey, speak with a designer and give as much or as little input as you'd like, and your designer will provide you with a personalized design plan and product suggestions for your space. Choose what you want to buy, and get decorated that easily.
65Local Employees


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Ethics for Insurance Professionals - Basic
6 Learner Reviews
- Course Delivery: On Demand
- Credit Hours: 2
- Credit Type: Ethics
This course covers the basic concept of ethics with a detailed definition and what it entails. We will discuss the role of ethics in our personal as well as professional lives and the challenges faced. We will also discuss the core ethical values and how rationalization is used as a common tool. Finally, we will talk about the framework of ethical decisionomaking and conclude with a brief discourse on ethics and conflict of interests.
Course Objectives
Upon completion of the course, the student will be able to:
- Define ethics and emphasize on the various principles involved.
- Discuss the ways in which we can incorporate ethical values in our personal and professional lives.
- Briefly define the major themes in ethical philosophy.
- Fully understand the core ethical principles and values and the use of rationalization.
- Elaborate on the framework for ethical decisionomaking.
- Define the key elements of a conflict of interest.
Regulatory Information
Ethics for Insurance Professionals - Basic - South Carolina Department of Insurance
- Name:
- South Carolina Department of Insurance
- Phone:
- 803-737-6160
- Fax:
- 803-737-6128
- Website URL:
- https://www.doi.sc.gov/
- Email Address:
- email@example.com
- Address:
- 1201 Main St., Ste.100 P.O. Box 100105
- City:
- Columbia
- State:
- Zip:
- 29202
End of Course Instructions
Congratulations! You have successfully completed your continuing education course. ATTENTION: Please complete the affidavit, if required, and provide to 3rd party affiliate of 360training.com that monitored your exam; otherwise, please complete the affidavit and fax to 360training.com at 512-853-2657. 360training will report your credit hours to the Department of Insurance within 15 days. You may also now print your completion certificate online. Keep in mind that certificates of completion must be kept on file for 5 years.
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|View Poll Results: Psycho-Pass - Episode 8 Rating
|Perfect 10
|9 out of 10 : Excellent
|8 out of 10 : Very Good
|7 out of 10 : Good
|6 out of 10 : Average
|5 out of 10 : Below Average
|4 out of 10 : Poor
|3 out of 10 : Bad
|2 out of 10 : Very Bad
|1 out of 10 : Painful
|Voters: 67. You may not vote on this poll
|Thread Tools
|2012-11-29, 11:16
|Link #1
cho~ kakkoii
Join Date: Nov 2003
Location: 3rd Planet
Psycho-Pass - Episode 8 Discussion / Poll
Welcome to the discussion thread for Psycho-Pass, Episode 8.
Thread Guidelines
|2012-11-29, 16:11
|Link #3
Senior Member
Join Date: Aug 2011
So they finally figured it was someone from the Oso Academy.
That Kagami is a really smart one.
I was surprised they figured out is was Rikako so soon.
Shibata sensei was the truly twisted one.
Guess he was just using Rikako as his puppet.
|2012-11-29, 17:03
|Link #5
Kana Hanazawa ♥
Join Date: Jun 2007
Location: France
Age: 34
I'm starting to think Kogami is the only competent guy on the team. He's certainly the most gifted at the very least. Gino and the others were so focused on that other suspect they didn't even bother to investigate the girls' classmates. Having a suspect in mind doesn't allow you to neglect other leads. Why did it even take them so long to go to school? They should have moved in as soon as they realized the first victim attended it especially since their main suspect used to teach there, something I didn't realize last week. I think the anime tried too hard to make Kogami look good, and ended up making the others look like idiots instead.
This gripe aside, that was a very good episode. Oryo was discarded by Makishima, as expected. It was obvious she wouldn't last long since she didn't bother covering her tracks and her killing methods drew too much attention. She had the highest crime coefficient seen in the series so far. Can't say I'm surprised. Bitch was totally crazy.
Makishima and Kogami are now on each other's radar, with Makishima having a clear advantage. What is he planning to do to Kogami? Toy with him or turn him into another one of his pet criminals? Either way, he's definitely viewing him as a source of entertainment. Makishima is a rather fascinating character. It's hard to tell what he's thinking of.
A throwaway line I found very interesting: "Sensei... we don't have juvenile law anymore". I guess that was to be expected.
|2012-11-29, 17:39
|Link #7
Kana Hanazawa ♥
Join Date: Jun 2007
Location: France
Age: 34
^That's what they're trying to get across, but there are ways to do that without making the others look incompetent. Besides Masaoka, they've all been completely useless thus far. And let's not even talk about Akane, who doesn't even know what profiling is...
|2012-11-29, 17:56
|Link #8
Join Date: Nov 2003
Location: Hamburg
Age: 50
Good ep ... sets the story back on track!
I was squirming a bit, since ep7 emphasized a side of the Urobutcher that's very typical of him (delving into the mind of a psycho), but doesn't make for very enjoyable viewing - at least for me.
He's still putting more pieces on the chessboard. Looking forward to when the real game begins
|2012-11-29, 17:57
|Link #9
Join Date: Jul 2007
Location: England.
Age: 30
My favourite episode so far, Kogami is a great detective. I'm interested to see what direction the show goes in now that he's caught the attention of Makishima. Seems like he's interested in having Kogami among his 'students', but judging from the scene at the start of episode one, I doubt Kogami will be interested.
|2012-11-29, 19:15
|Link #11
Senior Member
Join Date: May 2004
Good episode. I mostly agree with Kanon about how unbalanced the character's skills seems to be. I get the intent, but they could have handled the cases more chorally, so to speak. And I'd add that the way how Shinya rushed to the art class without a back up hasn't been very pro. Basically a schoolgirl made fun of them
If I had to guess, now the show is going toward the classic smart detective vs smart serial-killer, game that will push Shinya to his PP edge. That mean that Akane role would be more like a guidance, virgil-like, for him. But all depends on how much of a sadist our philanthropist is. Even if I would prefer a more active role for Akane. But probably we need to wait for that.
|2012-11-29, 19:20
|Link #12
Senior Member
Magnificent episode. This is such a wonderfully smart show. And it tops up that smarts with just the right amount of tense drama, awesome direction, gripping action, and smooth pacing (I didn't find this episode rushed; it was time to bring this arc to a close).
Now, to be fair, I get what Kanon is saying. Yes, it's disappointing that nobody even considered the possibility that one of the female classmates themselves could be the killer! Even Kougami only considered that after he interviewed that one criminal.
But perhaps this is supposed to say something about how people in this world trust their institutions a bit too much. This school is supposed to keep girls in good psychological health, so surely none of them is the killer, right? Why, it's clearly unthinkable!
Gino's dialogue also made it clear that he doesn't exactly hold the competency and resources of teenage girls in high esteem. It's actually refreshing to watch an anime where teenagers aren't huge societal stars that adults easily accept in lead roles (such as flying your top mecha, or leading your army, or running multi-billion dollar schools, or... well, you get the idea ).
On the flip side, though, there's no juvenile laws anymore. Which makes sense given what happened to a certain five year old in this show... Your Psycho-Pass reading is absolute, at any age.
And I think I get why Makishima was disappointed in Oryo. Her motives were clear, and understandable. But they're disappointing given the grander scheme of things in the world of Psycho-Pass. As Makishima made clear with his words, this all-girls school is not typical in this world. It's a rare throw-back; heck, Makishima might even find it somewhat quaint and comforting.
So Oryo is fighting against the lingering echoes of a world that largely no longer exists. Her vision is ultimately too small, her aim is too pedestrian, in Makishima's eyes, I suspect. Given the relatively broad vision of her father, Makishima understandably had high hopes for Oryo, but they were not to be.
In fairness to Oryo, though, I was impressed with how calmly she confronted her killer, even after being horribly wounded by a bear-trap and a vicious hunting dog robot. While there is a certain poetic justice to Oryo's death, she went to her death more calmly than most of the killed killers in this show have.
What I think Makishima sees in Kougami is a man that truly thinks outside the box. He's a man who gets what makes truly sick criminals tick. I see real potential for Makishima and Kougami to become a more anime-esque and slightly more realistic version of The Joker and Batman.
Anyway, just a wonderful and fascinating episode. Lots of style, but with plenty of substance underneath. Great sizzle, but also scrumptious steak.
I very much look forward to more Psycho-Pass!
A couple 'world-building' notes:
1. Controversial artwork is apparently not only banned, but even the names of recently-famous artists are now barely known. Chilling. Very 1984-esque.
2. However, the Psycho-Pass readings gained a bit more credibility for me in this episode. Unlike most other killers facing a Dominator, Oryo was cool as a cucumber. It's doubtful that stress contributed much, if anything, to her Psycho-Pass reading. The gun is somehow able to read criminal minds. So while I can see stress creating false positives, the idea of lack of stress causing false negatives seems much less likely to me now.
|2012-11-29, 20:00
|Link #13
Guess what time it is?
Join Date: Feb 2011
Location: Nova Scotia, Canada
Age: 35
Fantastic episode, and I really appreciate that while they're keeping the villains mysterious, we haven't ended any of the past few episodes without learning something new and tantalizing about them.
I suppose it was too much to hope that Kagami would make it out.
Maikishima had full access to those records that the bureau had. It's safe to say he left the audio recording on purpose to entice Kougami to him.
Quick notes on the Shakespearean quotations of Makishima, in case anyone is interested in the context. All of the below come from Titus Andronicus:
- On the phone he quotes Tamora, Queen of the Goths speaking to Lavinia before she is violated and dismembered by Tamora's two sons.
- After hanging up, he quotes Titus addressing his hunting party, and then segues into Tamora again, just before commanding her sons to kill.
- As the huntsman stalks Rikako, Makishima quotes Tamora's son Demetrius, asking his mother to harden her heart to Lavinia's tears like "unrelenting flint to drops of rain."
- When Rikako's hand is mutilated by the dogs, he again quotes Demetrius, taunting Lavinia to reveal his identity after -- you guessed it -- cutting off her hands.
- His final quote after Rikako's death is Lucius, Titus' son, condemning Tamora's body to be thrown to the wild animals, fitting her beastly and pitiless nature.
|2012-11-29, 21:44
|Link #14
Keep on keeping on
Join Date: Oct 2011
Location: The pale blue dot...
Another good episode. As I'd expected, Rikako met her end, but I did not expect her calmness in the face of death, which was actually refreshing to see as the previous criminals had panicked or went insane before dying. It's ironic how Urobuchi chooses to give such a heinous person a 'honorable' death scene - with Makishima quoting Titus Andronicus in the background, which made it all the more powerful.
Like many posts have mentioned, I'm a bit thrown off by how Kougami seems to be very ahead of Gino and the others, and Gino and his team's rather slow reaction to the crimes. Imagine the team without Kougami; it's quite unsettling, Rikako might have committed more crimes or safely escaped under their noses.
Can't wait for the next episode. Now that Makishima has noticed Kougami, I guess this makes things more interesting.
|2012-11-29, 23:04
|Link #15
Senior Member
Join Date: Aug 2007
I am assuming that is not the last we will see of that hunter. Well that was intense. I'll miss hearing Maaya though.
Anyways I am not surprised at Kogami's brilliance. I thought the anime made it quite clear earlier what a strong detective he was. It is obviously not because of any lack of ability that he's an enforcer. As for Akane not measuring up, well I see it as Akane has book smarts but not the experience just yet...I am sure that will change though.
On another note I am not really sure I would suspect a young girl was doing those type of murders either...although I might have suspected a teacher.
And speaking of which having Makishima be a teacher who is shaping young minds was a bit brilliant too I thought.
|2012-11-29, 23:28
|Link #16
Hopeless Jean fanboy
Did anyone else seriously get caught off guard by that face? I was so focused on what was going on then that derp face just popped up outta nowhere. Couldnt help but bust out laughing.
Pretty good episode. I like that were learning more about Makishima, hopefully soon we can get some insight into his motivations for what hes doing.
One little thing that bugged me about the episode though was when Kogami was about to 'dominate' Oryo, the headmaster guy seemed extremely surprised and panicky, and even assaulted Ko a little bit. My problem is; at this point in time, the Sibyl system should have been in place for at least 15 - 20 years(*). Everyone should be accustomed by now to how brutally indiscriminate Sibyl is. His whole line about her just being a minor and his protesting just seemed like pandering to the audience imo and also seemed out of place in a world where people have been trained to trust the system absolutely.
(*) not sure if the exact length of time has been mentioned, so i just assumed that much based on the fact that Kagari's CC was diagnosed at age 5 and he looks to be in his twenties by now
|2012-11-29, 23:40
|Link #17
Senior Member
Join Date: Jun 2007
And so, he tossed his toy to the other guy to play with instead.
On another note, I wonder if those sewers was where Kozaburo ended up as well.
|2012-11-30, 00:02
|Link #18
Senior Member
And that's the problem - It's too conventional. You're right, it's not very original at all. It's not even particularly controversial.
Yes, she's motivated by personal revenge - For her father, and against the school. It is small, and it lacks an impressive message of her own.
|2012-11-30, 00:41
|Link #19
Senior Member
Join Date: Jul 2006
Wow, brutal end. Crazy girl had the highest psycho rating so far.
Granted, Kogami was pretty much the ace this case, and he is good. But this was also the one thing he's been focused on for the past two years. It was pretty much his reason for living. So it makes sense he was the one that knew everything.
Akane disliking the cigarette smoke was cute.
|2012-11-30, 00:51
|Link #20
Senior Member
1. As critical as I've been of the Sibyl System, I'm inclined to give it a big benefit of the doubt here (because it fits several plot points better that way). In other words, I think that the Sibyl System does a very good job of preventing/stopping crime. So much so, in fact, that your average person probably doesn't see crime much at all. While the Sibyl System spares no mercy for minors, such age distinctions may still be prevalent amongst the people because minors (and people in general) so rarely "get Dominated" like that, particularly in a public setting.
2. The Headmaster may have been legitimately concerned over what affect having a room absolutely splattered with the bloods and guts of a killed classmate would have on the rest of these female students...
You know, the Dominator's method of killing really is absolutely horrible for any sort of public setting. People will tend to panic at least a bit just at the sounds of gunshots, of course, but seeing someone blown apart Dominator-style must be very traumatizing to most people. You'd think that the gun would have a less gorey method of killing (instant electrocution, say). While I can see how Gen wanted to make things grittier this way, I think on the whole it's this extremely gorey killing method that seems out of place in a world so deeply concerned with psychological health.
|ep 8, psycho-pass
|Thread Tools


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STORIES FROM THE HEART: Potential Memorial Day tragedy avoided thanks to family, friends who knew CPR
Tim Weaver was cleaning a boat engine one minute and frantically gasping "Help" the next.
His son-in-law David Andrew was ordering pizza one minute and dialing 9-1-1 the next.
Family and friends around them were wrapping up their Memorial Day weekend on the beach one minute and pulling together to try […]


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At Credit.com, our readers ask us questions every day on every kind of credit problem you can imagine. While everyone has their own unique concerns, there are also many universal issues out there. So we rounded up 11 of the more common questions asked and we answer them right here for you.
1. How can the credit card companies raise my interest rate if I've paid my bills on time? What can I do about it?
It used to be that credit card issuers could raise your rate, even on existing balances, at any time and for any reason. Thanks to the Credit CARD Act, a federal law, they can no longer do this. They can, however, raise your rate on your outstanding balance if you are more than 60 days late with a payment and they can increase the interest rate on new purchases, but only if they give you 45 days advance notice so you can cancel your account.
As for what you can do, the best thing is to try to negotiate a lower rate. Call your card issuer and suggest you will take your business elsewhere if you can't get a better deal. This works best if you have other credit cards with available credit lines, since the issuer will no doubt review your credit report to decide whether or not to work with you. It's always worth a try, though. As author Marc Eisenson says, "Not asking is an automatic no!"
If you can't negotiate a better rate, try transferring your balance to another card — either one you already have, or a new one.
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Maybe; maybe not. Every state has a statute of limitations, which governs how long the creditor or collector has to sue you. If this debt is too old, and they try to sue you to collect, you can raise the statute of limitations as a defense. That means they don't have much leverage in terms of forcing you to pay. And that gives you more leverage to negotiate a settlement — or just to tell them to leave you alone. For more information, and to fully understand your rights, check with your state attorney general's office or a local consumer attorney.
If the debt is too old, you can simply write to the collection agency, indicate that you believe the debt is outside the statute of limitations, and instruct it to stop contacting you. Send your letter via certified mail and keep a copy for your records.
If you are worried about your credit report, keep in mind that collection items may only be reported for up to 7 1/2 years from the date you fell behind with the original lender, regardless of whether they are paid or not.
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It depends on what you mean by "ideal." Most people will be just fine with two major credit cards. One should be a low-rate card for times when you must carry a balance, and the other should be a card with a grace period. No annual fee is ideal, unless you plan to use the card heavily to earn some type of reward. If that's the case, weigh the cost of the annual fee against the freebies you will earn.
If you are asking about the ideal number of credit cards to obtain a strong credit score, two is a good number as well, though you can have many more and still maintain a strong credit rating. Generally, it's a good idea to have at least four credit accounts of different types (for example, a mortgage, car loan, a major credit card and a retail card). Keep your credit cards active by using them periodically. It's good to pay your bill in full each month to avoid finance charges.
Finally, if you have a lot of credit cards already, don't close them in the hopes that it will boost your credit score. Your score may actually drop if you close old accounts.
4. My child has a lot of debt. What is the best way to help?
The best way to help your child is to give him or her some financial literacy materials to learn about how to manage debt.
But my guess is that you may be writing because he or she is asking you for a consolidation loan to help pay off the debt and, while you want to be helpful, you are not sure that's the route to go.
First, trust your instincts. If you think your child has trouble handling money, then it is likely you will just be enabling him or her to go a bit longer without having to shape up. Even if your child is truly in deep straits, your loan is unlikely to solve the problem. He or she needs crisis intervention, not a loan.
If you simply can't say no, then do one of two things:
- Give a gift rather than a loan. You'll never have to worry about whether you will get paid back and there will be no hard feelings if you aren't.
- Agree to lend the money only if your child will agree to sign an official loan agreement. It would also be a good idea to have them set up automatic transfer of the payments to your checking or savings account from your child's. There will be no wondering about whether a check has been mailed.
5. My spouse/parent died and I discovered a lot of debt. Do I have to pay it?
In most cases you are not responsible for another person's debt when they die, unless you are a co-signer on the account. If, however, that person was your spouse and you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin), debts incurred during the marriage are considered community property and you are likely responsible for them.
When a person dies with outstanding debt, the creditor will first look to any co-signers and then to the estate for payment. The creditor may not bother to pursue the debt if it is a small amount, but there is no guarantee.
If you are feeling pressured to pay a debt you are not responsible for, or if you are not sure whether you have to pay your deceased relative's debt, you may want to contact an estate planning or consumer law attorney.
6. I don't have the money to file for bankruptcy. What can I do?
I am retired and Social Security is my only income (or I am on disability and have no income except Social Security Disability). That barely even covers my monthly rent, utilities, medicines, medical co-pays, food, etc. I am being hounded for credit card debts and the debt collectors are calling day and night.
It sounds like you have little income and no assets. If that's the case, it may be that you are "judgment proof." That means that even if someone tried to sue you, there wouldn't be any way to force you to pay. Creditors generally cannot seize Social Security payments to pay debts. In addition, most retirement accounts (IRAs, pension plans, etc.) are also protected from creditor claims. If you are judgment proof, there may be no reason to file for bankruptcy.
You may want to talk with a bankruptcy attorney to assess your situation, especially if you have assets such as a home or money in bank accounts outside of retirement accounts.
If you are judgment proof, you will likely be able to stop the creditors or collectors from contacting you by simply writing a letter indicating that you have no income other than Social Security payments and no assets. Explain that you have no way to pay them and ask them to stop contacting you. At that point, they likely will stop. Keep copies of your letters, send the letters certified mail, and keep copies of any correspondence you receive. If you are sent any papers that indicate they may be trying to sue you, contact a consumer law attorney immediately.
7. Will checking my credit report hurt my credit score?
No. When you check your own credit report through a service that sells credit reports directly to consumers, you create what is called a "soft inquiry." These inquiries are listed when you review your own credit report, but they are not shown to creditors and do not affect your score. You can pull a free copy of your credit report annually from each of the three credit reporting agencies or you can check your credit scores using the free Credit Report Card.
It's a great idea to review your credit report on a regular basis, so go for it.
8. How many points does an inquiry take off your credit report?
There is no set number of points that will be deducted from your score for a single inquiry. The same inquiry from the same lender at the same minute can affect two people's credit reports differently.
In general, inquiries are a small part of your credit score (less than 5%), and the stronger your score, the less likely one or two inquiries are to have an effect on your score.
Nevertheless, be very careful about applying for new credit, a cell phone, insurance, or anything that might result in a credit check if you are in the process of getting a mortgage. Sometimes a score drop of just a few points can drop your score below the range for the rate you are trying to get.
9. My ex-husband was supposed to pay this account, he didn't, and it damaged my score. Now what do I do?
Joint accounts can create problems long after a marriage is over. Even though your ex-spouse is supposed to pay the bill according to the divorce decree, you are still on the hook for the debt to the lender if you are a co-signer. That's because your divorce decree is an agreement between you and your ex. It doesn't erase the original contract you had with the lender.
As far as your credit is concerned, the late payment will likely be considered accurate, since the account is still yours until it is paid off, closed, or refinanced into your ex-spouse's name. Once in a while, a creditor will agree to remove the late payment from the innocent spouse's credit report, but may require that it be paid off first.
Talk to your divorce attorney to find out what can be done in terms of forcing your ex to live up to the terms of the divorce decree. If he doesn't have the assets to pay off the debt now, you may want to ask whether he can be required to make payments to your attorney, who can then make sure the payments are made. As long as the account remains unpaid, however, and he pays it late, your credit will be damaged.
10. I co-signed an auto loan for my daughter. When I tried to refinance my mortgage, I found out she has been paying it late, and it has hurt my credit score. What can I do to get that information removed?
Sorry, you're likely out of luck. If there is one piece of advice we can give about co-signing, it is this: don't do it. When you co-sign, you are agreeing to be fully responsible for the debt. And by law, if the issuer reports debts to a credit-reporting agency, it must report that information under the co-signer's name as well as the primary account holder's.
That said, the lender might be willing to remove those late payments if you will bring the account up to date and/or pay it off. If it does agree to "re-age" the account, get it in writing. Of course, by contacting the lender, you may find that you are inviting the creditor to contact you if your daughter gets behind again, whether or not your credit report is cleared. After all, you are the co-signer.
11. I'm deep in debt and have a terrible credit score. What should I do?
While it may not seem like a blessing right now, your lousy credit score may be a plus. It will keep you from digging the hole deeper with a "consolidation" loan. It's time to focus all your effort on one goal — getting rid of that debt. I would first encourage you to get a free debt consultation to determine whether a credit-counseling program will work for you.
Even with bad credit, you may be able to get your interest rates lowered that way. And you'll get advice to help you build money management skills. If it turns out this type of program won't work for you, you may need to talk with a bankruptcy attorney.
Either way, once your debt is no longer an issue, you can begin to rebuild your credit. We have seen consumers significantly improve their credit scores in less than two years when they worked at it. Good luck!
More on Credit Reports & Credit Scores:
Image: iStockphoto


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Reviews: Stephen Vitiello's installation art at MC
What more can you ask of a work of art than that it alter your breath -- that it first make you aware of your own breathing and then slow it, shape it, sculpt it?
Stephen Vitiello's show at MC is revelatory in that most visceral way. It doesn't just appear before you but instead engenders a kind of reciprocal occupation: You enter its realm and, in turn, the work makes its way into both body and mind.
Vitiello's chief media are sound and site. For this show, he collaborated with two artists and a lighting designer to produce three distinct installations, each a "duet." Two of the three pieces are thoroughly absorbing.
"Four Color Sound," made in collaboration with Jeremy Choate, is minimal, even purist, but sensually expansive. Choate orchestrated the shifting colors, rhythms and intensities of 10 LED light boxes evenly spaced along the inner perimeter of a gallery. Vitiello choreographed the accompanying audio, a 24-minute cycle of field recordings and synthesized sound on five channels emitted from six wall-mounted speakers. Fog curls in from a machine tucked just out of sight.
The lights stutter and blink. They pulse and run laps. They intensify and bathe the space in one pure Turrell-like chromatic glow at a time: red, gold, green and blue. Though they're the silent components of the piece, still the lights seem to scream and sigh. Meanwhile, the air is thick with a cicada-like buzz. Then the sound of water pouring, footsteps, birdcalls, perhaps a flute, a rattle, a static flutter, beeping, buzzing, a siren, drumbeats, an electronic hum.
The installation feels like an immersive theater piece, with light, color and sound contributing atmosphere, character and plot. The work unfurls through time, building tension, then easing back into a more meditative, mellow mood. The texture of sound becomes palpable: One moment feels viscous, another sharp. Layers weave together into a dense, fluid fabric of sensation. The piece performs itself anew around and through each visitor.
In the adjacent gallery, Vitiello, a professor of kinetic imaging at Virginia Commonwealth University, has teamed up with Julie Mehretu to create a stunning, untitled installation that feels like an ode to tempestuous earthly motion. Mehretu's large wall drawing suggests wind, rain or fire thrusting through a grassy field. The inky dashes and ashen streaks have the immediacy and calligraphic vigor of Japanese ink painting.
In front of the image's long wall, Vitiello has suspended a dozen speakers in a row at various heights and angles, so they constitute a visual wave, the path of a windblown hat or tossed-about spores. The interiors of the speakers pulse but emit no discernible sound. Wall-mounted speakers facing Mehretu's drawing crackle and pop and play a montage of sound (natural and synthesized) resonant with the image's evocations of flight, energy, grace and force.
Finally, but least impressively, Vitiello's collaboration with Tony Oursler hangs on a wall in the gallery's entry area. Twenty-five 3-inch speakers freckle the wall, each finger-painted with a simple face by Oursler, a badder boy than this benign effort indicates. Wires jut from the speakers like limbs or dangle from them like the strings of balloons, but that doesn't really matter. The sounds the speakers project are not distinct (especially so near to the larger light installation), and "Crazy Wall Thing" feels silly and tame and not nearly crazy enough. But the one-dimensionality of this small installation is more than compensated for by the two other richly layered works. Both are subtle, surprisingly gripping, open-ended opportunities to breathe, listen and feel.
MC, 6086 Comey Ave., Los Angeles, (323) 939-3777, through Aug. 30. Closed Sundays and Mondays. www.mckunst.com.
Cubist videos end in tedium
Doug Henry and Joe Potts pay homage to Cubism in their new collaborative video work at Cardwell Jimmerson. They bring Picasso and Braque's fractured planes and multiple, simultaneous perspectives up to date, technologically, through hyper-speed cuts and snazzy graphic effects. Yet the results are dispiriting and flat -- overworked spectacles for the era of acquired attention deficit disorder.
The centerpiece of the show re-imagines the early 20th century Cubist still life of fruit, guitars and table coverings in early 21st century terms, as a layered barrage of projected images. Four projectors spit out close-up shots of bananas and oranges and guitar necks in rapid-fire succession, superimposed atop one another. The irony of a quick-motion still life sparkles briefly but then fizzles into a hammering headache of a one-liner.
A series of video pieces of dancers is more sophisticated -- technically -- but also more tedious. Shown in a row of digital picture frames, the works each extrapolate from a central image of a dancer, breaking down and recombining her movements in a collage of spinning and twirling planes against a nebulous background of color, light and floating letters. The artists, both based in L.A. and rich in cumulative experience in video, sound, music and performance, clearly had fun at the editing table, but little of their enthusiasm trickles down into the experience of this work.
Cardwell Jimmerson Contemporary Art, 8568 Washington Blvd., Culver City, (310) 815-1100, through Aug. 30. Closed Sundays and Mondays. www.cardwelljimmerson.com.
Reaping what they sew
"The Horror of Tradition" makes for a provocative exhibition title, and a focus on needlework further preloads this show at Andrew Shire with substantive issues relating to gender, handwork and tradition. But the show only sporadically lives up to its name and theme. Each of the five artists has adopted stitchery of one sort or another as a subversive tool, a pathway to social critique or humor.
Sophia Allison's wrestler masks suck a little macho heroism out of the lucha libre mystique and replace it with everyday feminine concerns about hygiene and safety. As if draping a doily over a fist, Allison sews her masks and capes out of sanitary pads, pantyhose, bra hooks and Band-Aids.
Two small needlepoint portraits of female characters from horror films aren't enough to give much of a feel for Starlie Geikie's work, nor is Evelyn Serrano's shirt, embroidered after being acquired in trade from a homeless man, given enough context for the social significance of her performance/action to emerge.
Liz Young's coat sewn from stuffed animal pelts is a hoot, especially with its errant ear flaps and plastic eyes. Her stitchery of such farm pests as locusts and rats onto the covers of old farming magazines is visual kin to Ghada Amer's sexually explicit work, only less charged.
Finally, Robert Fontenot plays off the sampler style of stitchery (à la Elaine Reichek) in a series of panels with modern decorative needlework (mis)matched to discomfiting words, such as "perfidy," "rot" and "schadenfreude." His decomposing American flag, embellished with floral appliqués and designated "beautified" as opposed to beautiful, provides the show's most poignant, reflective moment.
Andrew Shire Gallery, 3850 Wilshire Blvd., No. 107, Los Angeles, (213) 389-2601, through Sept. 6. Closed Sundays and Mondays. www.andrewshiregallery.com.
A sprawling, satisfying show
Summer group shows don't have to be like so-called summer reading -- purposely light, unworthy of the serious attention expected during the rest of the year -- but all too many of them are. "Looky See," at Otis' Ben Maltz Gallery, is a refreshing exception. Smart and consistently interesting, it offers plenty of spirited pleasures without ever insulting the visitor's intelligence.
Meg Linton, director of the gallery, organized the show with curatorial intern Nina Laurinolli. They came up with a roster of 28 artists from L.A. and beyond, some with deep local exposure and others with very little, who "draw, cut, film, pin, perforate, perform and journal." Material engagement is largely what unifies the group, which settles thoughtfully into clusters around notions of exuberant energy (Ann Diener, Penelope Gottlieb, Aaron Noble, Erin Marie Dunn, Emily de Araújo, Mindy Shapero), performative gesture (Barbara Berk, Takehito Koganezawa), diaristic notation (Fred Stonehouse, Tucker Neel) and the vulnerabilities of the social/political/religious status quo (Sandow Birk, Joe Biel, Eric Beltz, Richard Keely and Anna O'Cain).
Iva Gueorguieva's "Sprawl" installation is a standout. Layered, raw-edged drawings on paper and canvas spread across a wall, draping small speakers and ending near the floor beside two structures built of wood scrap. Grace and beauty jostle urbanity and contingency to compelling effect. Elizabeth Turk's long vertical scroll drawing of twisting vines is another gem. It unfurls like Rapunzel's tresses from a window near the gallery ceiling, a gorgeous study in persistence.
The luxurious, inexhaustible line also animates Ron Santos' ink drawings, which suggest webs, nets and spontaneous organic complexes. The biological and the botanical thread through the show -- analogues of the determination and generative energy that produced this exciting array of work. Also included are Roy Dowell, Erica Eyres, Claudia Nieto, Chris Oatey, Ruby Osorio, Ebony Patterson, Fran Siegel, Coleen Sterritt, Randal Thurston and Xawery Wolski.
Otis College of Art and Design, 9045 Lincoln Blvd., Los Angeles, (310) 665-6905, through Sept. 13. Closed Sundays and Mondays and Aug. 30-Sept. 1. www.otis.edu/benmaltzgallery.
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You'll be getting a shiny $100 gift card if you buy any BlackBerry device through Walmart during the week of November 14th. The deal's valid both in stores and online with the usual catch of a 2-year contract applying.
Walmart's BlackBerry selection includes:
* AT&T Curve 8310
* AT&T Bold 9000
* Sprint Curve 8330 (Red & Titanium colors)
* T-Mobile 8520 (Black, White, and Frost)
* T-Mobile Pearl 8120 (Emerald)
* Verizon Storm
* Verizon Storm II
So, if any of those phones are on your "must buy" list, then this'll be a good week for it. Keep in mind that while you'll get the gift card immediately with an in store purchase, online shoppers will wait four to six week for the gift cards to arrive in the mail. [Walmart]


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The other comic I work on, Sector Four is an online graphic novel about a robot spy.
Oddnik is my personal blog where I post artwork and talk about other projects I have going on.
If you're in need of help with publishing a book or developing a web site, check out Spumoni Press.


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Explore the ancient, mysterious world of Journey™ as you soar above ruins and glide across sands to discover its secrets. Play alone or in the company of a fellow traveler and explore its vast world together. Featuring stunning visuals and a Grammy-nominated musical score, Journey™ delivers a breathtaking experience like no other.
Purchase the PS4™ or PS3™ digital versions of Journey™ through PS Store and receive the other versions at no additional cost.


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Connor reviews '21 and Over'
"21 and Over"
Starring Miles Teller and Justin Chon
Directed by Jon Lucas and Scott Moore
Rated R
93 Minutes
Thinking of spending a couple hours with Jeff Chang and company? Don't. I assure you, your date, family or whomever you are going to the movie with is a lot more interesting.
Fans of these types of movies generally say, "Leave your brain at the door," and "Just be ready to laugh." "21 and Over" is a clunker in every sense of the word. Chaperoning a drunken friend in real life is bad enough, but paying $11 to watch poorly written characters Chaperone their drunken friend is much, much worse.
The film follows Miles Teller and Skylar Astin as friends Miller and Casey. The two travel to the college of their friend Jeff Chang (Justin Chon) with the hopes of taking him out for his 21st birthday. But oh no! Jeff has an important medical school interview the next morning. To make matters worse, Jeff's ultra stereotypical Asian father will be sporadically checking in throughout the night. But who cares? Time to hit the bars! None of these factors will stop our heroes from having the night of their lives.
There are plenty of enjoyable dumb/funny comedies out there. Earlier Adam Sandler comedies and the "American Pie" films aren't exactly the most intelligent comedies, but they are still worthwhile after all these years because they make us laugh. A film's ability to make the audience laugh is what determines its success. Regardless of the plot and script, "21 and Over" just doesn't deliver the laughs, and honestly, that's the only thing that truly matters with a film of this sort.
"21 and Over" also borrows most of its comedic situations from other films. It is essentially a bad mixture of "Harold and Kumar" and "The Hangover." Instead of attempting to be clever or witty, most of the jokes focus on racial and ethnic stereotypes that emit a feeling of "been there, done that."
"21 and Over" is also surprisingly boring. Due to the films generic script and stock characters, there are few surprises to be found. The film even attempts to phone in a message at the end. Chase the women you fancy and follow your dreams, but also remember to stay young and party! In trying to preach two juxtaposing messages at once, the film becomes tonally askew.
If you're looking for some paddle spanking, awkward boy-on-boy kissing action, and slow-motion projectile vomit sequences, this is the movie for you. But be warned, after watching this film, you may want to drink away the 93 minutes with a little bubbly.


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Oh, so many projects in the works right now. I think I am wearing too many hats. First: two projects for the store where I spend some grown-up time. One with this yummy felted wool and a quilt with a gazillion random plaids. It's called the Boyfriend quilt. It's SO cool when it's all put together, quilted and washed. I will post pictures when it is done. (I made one 5 years ago, but it's time to update.) Right now I'm up to my eyeballs in piles of plaid.
Next, plans for an Etsy business using some of these beauties (and dozens more.) Should be very cool. I'm so excited for it. This is a giant leap for me. But I'm hoping the market research I've done locally will pay off.Then I have this pile of baby-gift stuff that I WILL finish this week. Nursing covers and diaper clutches. One for a friend who had her baby over a month ago. Sigh.On top of that: major design work on this humble little blog. I decided a month ago to just go a head a start something. If I waited until too long to get everything perfect, it just might never happen. So this is one of my biggest works-in-progress.
In other totally random/really cool news I went to my first 'tweet-up' this week. I am not a 'twitterer' – still haven't totally come out of the technological stone-age- but I'm working on it. The very famous DesignMom/K*rtsy founder, Gabrielle Blair was in town for the Start-up Princess conference in Midway, Utah. (I SO wish I could have been there.) But I did make it for the Salt Lake meet-up.
This is so out of my comfort zone. Most of my social engagements include hauling kids, fruit-snacks & pretzels to the park. It was REALLY fun to do something fun and social. Gwen Bell (Gabi's K*rtsy partner) was also really fun to meet. She wrote about it here. (And you can even see me in the picture. I am third from the left. Woo. I feel so famous.)
It was really cool to see Gabi, who I totally remembered from college. And we finally figured out where: the freshman dorms. Also Kelly Anderson, *THE* Start-up Princess who was also a good friend from college -we were roommates for a semester in London. (You've got to love when people from your past become famous. Seriously, I'm so proud of these girls. Both busy moms with kids, who took some creative initiative and are doing very exciting things. And still being moms.)
And so much fun to meet the other amazing women there! Women who are doing what I want to do, but are so much farther ahead in the game than where I am right now. They were all so engaging and gracious and FUN. The most embarrassing moment of the night: coming in late and suddenly being asked if I have a blog by this hipper-than-hip group and wishing I had a much cooler blog to share with them. The coolest moment of the night: feeling the love and the real encouragement by these experienced women – feeling glad that I just took the plunge to show-up, start-up, and dream. Now back to work. . .


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No. 12 Missouri barely holds off Bucknell
Phil Pressey scored a career-high 26 points and Laurence Bowers added 16 to help No. 12 Missouri get by Bucknell 66-64 on Saturday.
Pressey missed the front end of a 1-and-1 with 10.3 seconds remaining, setting off a frenzied final few seconds. Bucknell's Mike Muscala stepped on the baseline with 4.1 seconds left after catching a pass from Ryan Hill.
Earnest Ross made two free throws for the Tigers (11-2), but a foul by Jabari Brown put Muscala on the line for a final attempt to tie the game. After making the first free throw, Missouri's Stefan Jankovic grabbed the rebound on the second to end the game.
Muscala led the Bison (13-3) with 25 points and 14 rebounds for his 10th double-double of the season. Cameron Ayers added 13 points and Bryson Johnson scored 11.
Pressey made a career-high 10 field goals, and his seven consecutive points down the stretch helped the Tigers (11-2) narrowly complete their seventh consecutive season without a loss to a nonconference opponent at home.
The back-and-forth action of the second half contrasted with the first half of the game when both teams failed to shoot 40 percent and looked confused on the court. Bucknell recorded 20 assists Wednesday at Cornell, while Missouri had 21 in its last game at UCLA, including a school-record 19 by Pressey.
In the first half, Missouri's guards combined for six turnovers and no assists. The Tigers were able to keep the halftime deficit to 28-24 thanks to outrebounding Bucknell 24-18. But for the first time this season, Missouri, the top rebounding team in the country, was outrebounded 39-38.
The Bison lost its 10th consecutive game against a ranked opponent, falling to 3-26 all-time against the Top 25.
Bowers has scored in double figures for eight straight games, a personal best, leaving Louisville as the only game this season in which he failed to do so. During that stretch, he has shot 57.1 percent from the field (64 of 112).
Bowers scored the first six points of the game for Missouri, as Muscala did for the Bison. The crowd had little else to stand up for, though, cheering its loudest after Ross was fouled underneath the basket after Alex Oriakhi saved a loose ball for an offensive rebound with 4:30 left in the first half.
Fittingly, Ross missed both free throws.


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You are about to meet someone out of the ordinary : Barbe ACARIE, who was born in Paris on February 1, 1566, and who died in Pontoise on April 18, 1618.
She was a woman living in the world, married, with six children, and she faced severe trials with heroic spirit. After she was widowed, she became the " key figure in the introduction of the Carmelite Order into France. " She herself was called by God to become a lay sister, Sister Mary of the Incarnation, now Blessed Sister Mary of the Incarnation.
As a Christian endowed with great common sense, her love of God showed itself in the fulfilment to the letter of the duties of her state in life. Allied to many natural gifts, she had an intense interior life and was able to fulfil her duties to God and her neighbour at one and the same time.
Madame Acarie is a model for ourselves, men and women of today, whatever our state in life.
Madame Acarie is invoked especially for expectant mothers and for the acceptance and protection of life under all circumstances.


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After selection of your ZIP code, we designate the relevant staff to attend to you at once.
After selecting your application parameters the product finder shows an overview of the linear tables and motors that are suitable. The product finder calculates the individual price of the linear axis as well as the motor loads and the life expectancy in cycles. With a few clicks you can assemble a complete linear axis incl. motor, connector cables and mounting parts.


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Webster University Tinker AFB
Webster University provides accredited undergraduate and graduate school education to students at Tinker Air Force Base in Oklahoma and across the world. With opportunities to study at Tinker AFB or earn a degree online, academic programs are focused on student success and taught by faculty with professional experience in their academic fields.
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Many students find that the location, small class sizes and individual attention at Webster University's Tinker Air Force Base campus location result in better networking opportunities and successful learning outcomes within their profession or local community.
Webster personalizes education to meet specific goals and schedule demands while maintaining full-time employment or actively serving in the military. At Tinker Air Force Base and around the world, Webster University is recognized as a leader in global education and a pioneer in adult and military education.
Featured Program: Master of Business Administration (MBA)
The MBA degree program provides training for graduate students who want to understand business as a whole, which helps them become competitive professionals in their fields. Click for more MBA degree information »
Webster University–Tinker AFB: 772 FSS/FDSE, Building 201SE
Tinker AFB, OK 73145-9148
Phone (405) 739-3518 | email@example.com
Webster University is not affiliated with the Department of Defense or any Military Service and images including incidental uniformed military personnel, facilities, or Military Service Marks do not imply endorsement by the Department of Defense or any Military Service.


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The day before the vice-presidential debate, the candidates are already prepping the public for the lies the other guy is planning to tell.
"The vice president has been studying up on (Ryan's) real positions and is prepared to call him out on his actual positions," an adviser to Joe Biden told Reuters, for example, who warned that "maybe there will be some dishonesty."
And while many resources have exposed the exaggerations and falsehoods of the first presidential debate, when we tune into Paul Ryan and Joe Biden on Thursday, most of us will still believe the rhetoric of our preferred candidate.
PHOTOS: Unpresidential Moments in History
Why? It's human nature to seek out information that supports our own beliefs and values, said Trevor Parry-Giles, University of Maryland professor of political communications.
"It explains why people who fall on the conservative end of the political spectrum link to Fox News, whereas those on the liberal end are more likely to tune into National Public Radio or MSNBC," he said.
He's even noticed himself doing it.
WATCH VIDEO: Find out how we'll be voting in the future.
"When I was listening to the debate, I was not preoccupied with fact checking the president," Parry-Giles said. "I assume the President is telling the truth, because of my politics. But to Romney, I was screaming at the screen 'That's a lie!' And on the other side, others have the same reaction to President Obama."
Our inclination to affirm our beliefs and preferences might also help explain the results of a poll by the Pew Research Center in July that showed that 30 percent of Republicans say that President Obama -- a Christian -- is a Muslim.
Not everything is as easily fact checkable as the religion of the President, Parry-Giles pointed out.
"When Paul Ryan said he ran a sub 3-hour marathon, you can empirically disprove that," he said. "But when Romney says my tax cut is not really $5 trillion -- that's fudgable. Is that over a decade? What does that really mean? When you get into the realm of fact-checking, you're assuming everything is fact checkable, and some political truths are not empirical."
Consider a candidate talking about future job projections, for example, and the truth becomes murky.
NEWS: Why Do Negative Political Ads Work?
"Truth is a tough thing," said Brendan Nyhan, an assistant professor of government at Dartmouth. "We can disagree about what the right policy should be, but I'd like to hope we could agree on which facts are consistent with the best available evidence -- and keep claims that are unsupported or false out of the national debate. I hope ... or wish ... we could achieve more of a consensus on what is false."
But even that is not easy.
Corrections in the media can often backfire, Nyhan said. For one, they can perpetuate myths simply by repeating the information -- even when the negative in the statement is added, people often don't remember it. Second, consider an experiment Nyhan and a colleague conducted an experiment in 2010: Participants read a fake news story in which President Bush claimed that his tax cuts "helped increase revenues to the Treasury."
Some of the fake stories included a correction: the tax cuts "were followed by an unprecedented three-year decline in nominal tax revenues, from $2 trillion in 2000 to $1.8 trillion in 2003." All the participants were asked whether "Bush's tax cuts have increased government revenue."
Among liberals who read the corrected version, fewer respondents said the cuts increased revenue. But among conservatives who read the corrected version, over 60 percent said the cuts increased revenue -- as opposed to just over 30 percent of the conservatives who read the version without the correction.
"Once these things are out there, it's very hard to roll them back," Nyhan said. "Some people are quite determined to stick to their beliefs no matter what you tell them."
Throw in one more statistic -- that Americans who have a great deal of trust in the media is down to 40 percent, according to a Gallup poll -- and the magnitude of agreeing on a single truth becomes clear.
That's not stopping some from trying, however. Before he settles in to watch Thursday's debate, Nyhan will unplug from social media -- yes, even Twitter.
"My wife couldn't believe it, but I think there's some value in it," he said. "There's some clarity in having our own opinions and not accruing predigested opinions."
© 2012 Discovery Channel


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One-at-a-time by hook-and-lineTroll-caught albacore tuna is a nutritious choice for you and your family, a sustainable choice for albacore fisheries and U.S. troll-fishers, an eco-friendly choice for our oceans — and it tastes incredible!Whether you choose to buy our canned albacore tuna or one of the brands offered by our fellow troll-fishermen, be sure to look for albacore tuna that is: Caught one-at-a-time by hook and lineOf course, we hope you try OUR albacore tuna! If you do, this is our promise to you:• the canned albacore tuna we offer will be the best we can make it• the fish will be treated gently and frozen properly once it is caught• it will be cooked only once - in the can during the canning process - to retain its natural oils• we'll treat you like a person, not as a potential sales target• if you ever have a problem with our product or service we'll do our best to make things right• the information in this site is the truth as we know it. As we learn more, we'll share.
© Copyright 2014 Wild Pacific Seafood.
Website by Mindfly Web Studio


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This gorgeous and elegant wedding dress is nicely detailed and looks really beautiful. Every little girl has a great interest in playing with Barbie dolls. And this wedding dress can make Barbie doll look very attractive and stylish. So take a look at this lovely Barbie sized wedding dress for your little angels.
- A stunning two-layer slip dress with a white rose flower on one strap
- Chest elastic drape design, looking more elegant
- Sheer tulle overskirt printed with beautiful and shining floral patterns
- Back hook and loop fasteners for easy closure
- A fantastic gown for your Barbie's wardrobe
- Fits Barbie and any other doll of the same size
- Dress Length: Approx. 9.84 inch / 25cm (Strap included)
- Color: White
- The model in pictures is not included
Note: Please be reminded that due to lighting effects and monitor's brightness/contrast settings etc, the color tone of the website's photo and the actual item could be slightly different.
Package Includes:
1 x Wedding dress


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Zachary Holly pleads not guilty
Read the live updates from Holly's court appearance Monday
Zachary Holly's entered a not guilty plea to all charges at his arraignment Monday before Judge Robin Green.
Holly appeared Benton County Court and faces rape, capital murder, kidnapping and residential burglary charges. He is accused of murdering 6-year-old Jersey Bridgeman, who was found dead in a vacant home next door to Holly's home.
Holly's 'not guilty' plea to capital murder charges means he will face the death penalty or life in prison without the possibility of parole.
Holly's next court appearance is scheduled for Feb. 28 for a status hearing in Division Two Court.
For the capital murder charge, Holly faces live without parole or the death penalty; the rape and kidnapping charges, 10 - 40 years or life in prison.
For the residential burglary charge, 5-20 years.
Click here to read the live updates from 40/29's team coverage.