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A client walks into her advisor's waiting room and talks to the receptionist, who gets her a cup of coffee. Then she walks over to the couch, picks up People magazine and sits down. There's a TV in the corner tuned to CNBC, and while she isn't really watching it, loud, frenzied activity on the screen gets her attention. Good news—the Dow is up 300 points this morning and still climbing. Her stress level skyrockets.
Clients get stressed by things you wouldn't predict. This is a classic example, uncovered at the Kansas State University (KSU) Financial Planning Research Center by Dr. Sonya Britt of KSU and Dr. John Grable, now at the University of Georgia, in their recent paper "Financial News and Client Stress." They found that contrary to what you might think, client stress goes up when watching financial news, and hearing that the market went up causes stress levels to rise even higher. "Specifically, 67% of people watching four minutes of CNBC, Bloomberg, Fox Business News and CNN showed increased stress, while 75% of those who watched a positive-only news video exhibited an increase in stress," they wrote.
Why? "Financial news was found to increase stress levels, particularly among men," wrote Grable and Britt. Surprisingly, positive financial news, like reports of bullishness in the stock market, created the highest levels of stress, they found, suggesting that positive financial news may trigger regret among some people. The authors referred to previous studies of regret that found "people tend to feel most remorseful when they look back at a situation and realize that they failed to take action." The authors' conclusion: Financial advisors should think twice about having office TVs tuned to financial channels.
Most advisors know that good client relationships are based on trust. What many fail to realize is that high client stress levels can have a negative impact on the ability to trust—particularly if that stress is created or exacerbated during client visits to an advisor's office. To get a better handle on the factors that affect client stress and what advisors can do about it, my consulting company, Angie Herbers Inc., sponsored research at the KSU Financial Planning Research Center, a center created to conduct clinical research on factors that affect advisors and clients in the advisory industry. The research was conducted by Grable and Britt in a series of tests with real clients and real advisors (with both wired to gauge their physiological stress levels), which was reported in their 2012 research paper, "Stress and the Office Environment: How Financial Advisors Can Help Manage Client Anxiety and Improve Client-Advisor Relationships." As with their study of the effects of financial news, their findings will surprise many advisors—and help them have better relationships with their clients.
The relationship between high levels of stress and poor decision-making is well-known to psychologists, researchers and sports fans around the world. "Our brains operate on different levels, depending on circumstances," Britt told me in an interview. "Under high levels of stress, our intellectual decision-making functions shut down, and our emotional flight or fight response kicks in." Added Grable: "People will adapt to low levels of stress differently, but overwhelming stress results in predictable behavior. When we are stressed, our brains cannot move to make intellectual decisions."
Included in those intellectual decisions is the ability to make sound financial judgments and whether to trust one's financial advisor. "It is important to note," Grable and Britt wrote in their report, "that developing client trust can sometimes present challenges that even the best communicators and counselors cannot easily overcome." Stress could be the "missing factor" in the broader client relationship, to the point that clients may engage an advisor during a period of high stress or find that their stress level increases due to pressures like financial news reports or worrying about their financial situation. "When this occurs, planners who focus primarily on technical issues or communication techniques may not make a deep personal connection with clients because stress acts as a defensive barrier to open dialogue," they wrote. The researchers' conclusion: It is essential for financial planners who are interested in developing deep, emotionally stable relationships with clients to understand the role stress plays in shaping the context of client meetings.
In their 2012 paper, Grable and Britt documented how clients experiencing stress often act in ways that short-circuit their own financial well-being. For instance, stressed clients often make short-sighted decisions; they may become defensive when answering certain questions; answers to questions may become shortened and not descriptive; and when very stressed, clients may be reluctant to implement financial planning recommendations. "Regardless of how well a financial planner uses communication techniques," they wrote, "unless the stress exhibited by a client is identified and reduced, the likelihood of developing a trust-based client-planner relationship will be significantly threatened."
Meeting with Advisors Causes Client Stress
In addition to the negative effects that financial news can have on clients, Grable and Britt also found that meeting with advisors can increase client stress levels dramatically, both before and during the meeting. Consider Figure 1, which shows that during a meeting with their advisor, 54% of clients showed increased stress, while 8% remained at constant stress levels. Just 38%, or slightly more than one out of three, experienced a decrease in their stress levels. Rather than seeing that drop in stress as a positive outcome resulting from the advisor making the client feel less stressed, the authors observed those clients to be bored or tuned out, which are also reactions to higher stress levels and don't often contribute to better decision-making.
"Generally, financial advisors unknowingly increase the stress level of their clients during advisor-client meetings," wrote Grable and Britt. "What seems like a common question to an advisor may be perceived as a personal invasion of privacy when evaluated by a client. In these situations, as stress increases, the 'fight or flight' mode of thinking overrides higher-order cognitive processing. In some situations, clients may be focused on avoidance or socially acceptable answers rather than on providing directed and thoughtful responses to inquiries."
By way of example, the authors consider the answers associated with a typical risk-tolerance assessment. "Asking clients to judge their willingness to take financial risks can be quite stressful for clients," they said in our interview. "This is particularly true for men. Men almost always over-report their tolerance for risk, especially when asked by a female financial advisor. This is a 'fight' response that occurs in the hindbrain. By and large, men do not want to appear weak or scared. Some men and many women will overestimate their risk tolerance while others may underestimate their true level of risk aversion simply to avoid further questioning—a 'flight' response to the stressor."
In addition to risk tolerance questions, Grable and Britt found certain questions used in prospective meetings that are harmful. Here are some questions often asked in prospective client meetings that typically increase a client's stress level:
- How satisfied are you with your overall current financial situation?
- How stressed do you feel about your personal financial situation?
- How would you rate your financial knowledge level compared to your peers?
- What is your primary financial goal?
- What are three areas that you would like to improve upon in regards to your personal financial situation?
Of course, many financial advisors feel that asking questions like these are essential to creating and implementing a sound and appropriate financial strategy. Yet some techniques might work better than others to get the necessary answers without creating unnecessary client stress. I have found in my own consulting work with advisory firms that the most successful firms at closing and retaining clients conduct what I call a "client-directed meeting." I recommend that in all client meetings, including those with prospective clients, the advisors bring nothing: no questions, no agenda, no marketing materials. They simply ask the client, "Why are you here?" Some might think this will lead to chaos, but it doesn't: It's a specific process of client engagement and trust that puts the client in control of the meeting and, we find, greatly decreases their stress levels and increases their connection with their advisor, thus significantly increasing the close ratio in prospective meetings. "The key," said Britt, "is simply to give the client the perception that they control the meeting."
The Office Effect
In their research, Grable and Britt also discovered that the office setting can play a major role in increasing or decreasing client stress. Figure 2 shows client stress levels during initial client interviews consisting of 15 questions. The dotted line represents the stress levels of clients sitting across a table or desk, such as in a conference room setting, from the advisor. The solid line shows the much lower stress levels of clients in a living room setting: sitting on a couch with the advisor in an adjacent armchair.
Notice that only in the final, more difficult questions do the lines converge. This results from lower stress levels felt by advisors as they sat across the table, which is also an important factor (more on that later). Still, at no time did the study find clients sitting at a table to have lower stress than clients sitting on a couch.
The authors concluded that clients reached their peak stress level when asked about a financial goal they had set in the last year and whether they had achieved it. However, regardless of their income, gender or wealth profile, clients who met with their advisor in a casual setting with a couch and armchair started out with less stress than those who met in a traditional setting with the advisor facing the client over a table. Furthermore, over the course of a standardized interview, clients in the couch and armchair room maintained lower stress levels than those in the traditional room.
What should advisors do about this? "We recommend that every financial advisor configure at least one meeting room in their office with a couch and armchair," wrote Grable and Britt. "Meeting with prospective clients in this type of room will generally reduce client stress, especially during fact-finding meetings. One of the most important keys to being relaxed is to be involved in a trusting relationship. To help keep stress low and start building a trusting working relationship with clients, it is important to tear down barriers." The authors contend that using a setting with a couch and armchair does just that by eliminating the desk or table, which is a common physical barrier between clients and their advisor.
Advisors Transfer Stress to Their Clients
As mentioned above, and as one might expect, advisor stress can also contribute to client stress. In fact, Grable and Britt found that advisors who are experiencing significant stress levels transfer that tension to their clients, regardless of the office environment or the level of advisor preparation. Figure 3 shows the effects of advisor stress on clients during a typical client meeting. Notice that in all three cases, client stress increases throughout the duration of the meeting, with the solid line representing the average increase in client stress. The dotted line shows clients' stress levels when the advisor's stress levels were above average, while the dashed line shows the much lower client stress levels when the advisor himself or herself had lower than average stress.
"While ideally financial advisors should display low stress personas, this, in practice, rarely occurs," wrote Grable and Britt. "Even so, it is possible to obtain reference point levels of stress exhibited by an advisor. Basically, clients are able to perceive their advisor's stress even when the advisor takes steps to conceal tension-generating emotions. When advisors are stressed, clients experience a heightened stress level."
As I mentioned earlier, advisors with an agenda or who want to effect some particular action from their clients often create considerable stress in those clients. As the Kansas State research shows, that may result in large part from the tension that such an agenda creates in the advisor. Conversely, advisors who are more focused on simply helping implement the client's agenda, whatever it might be, likely will feel less stress and therefore transfer less tension to their clients. Of course, advisors can also manage their own stress levels by becoming more comfortable with the advice they are offering, more confident that it is truly in the client's best interest and more comfortable that the fee they are charging is both fair and competitive.
Stress Created by an Advisor's Meeting Schedule
Grable and Britt's research also found that advisors can manage their stress levels by recognizing the stress pattern created by multiple client meetings in the same day and using that pattern to their advantage. Figure 4 shows the changing stress levels as advisors hold six client meetings over the course of a single day. (Six meetings might seem a bit like overkill to some advisors. However, we find that as a firm grows, senior advisors spend the vast majority of their time in meetings daily.) Notice that a typical advisor's stress level starts out relatively high and decreases in each subsequent meeting until the last couple of meetings of the day. According to Grable, standard human performance stress research suggests that this isn't an unusual pattern. "In the first meeting of the day, people are often not quite focused on the task at hand," he told me. "Then, toward the end of the day, we're typically distracted and losing interest. Most of us are just not at our best early and late." Added Britt: "Any transition from one task to the next is stressful. As we repeat the same task—in this case, client meetings—over and over, our comfort level increases. Then, toward the end of the day, our focus starts to wander again: thinking about what we still need to do before we go home or what we're going to do after we leave the office."
Regarding office meetings, the paper concluded that advisors should schedule their most important client meeting during the middle part of the day. Their stress is highest during the first meeting and the last meetings of the day, and they are likely adding to their clients' stress during those meetings. "Given the myopic response bias associated with elevated stress levels, prospective client meetings during this time may not result in client or advisor satisfaction," the authors wrote. "What is probably happening is stress transference to clients who meet with an advisor late in the day. As the advisor's stress increases, that stress is transferred to the client. As the client's stress increases, his or her willingness to engage the services of the advisor is likely to decrease."
Based on this research, one might be tempted to simply stop scheduling early and late client meetings. Unfortunately, that would be like starting your next round of golf on the third hole because you never play the first couple of holes well. Grable and Britt found the same pattern of high stress declining and then increasing again at the end of the day whether advisors did four meetings or eight meetings in the same day. As it turns out, the midday meetings are low stress because you've had a few meetings to "warm up" and whenever the last meetings are, you'll be thinking about what you're going to do next. "Since the middle meetings are those with lower advisor stress," observed Britt, "doing more client meetings in the same day resulted in more meetings in the middle of the day, when advisor stress levels were lowest. Advisors might also consider scheduling their more important meetings in the middle of the day, when they are warmed up and most comfortable, but haven't started thinking about going home yet."
While a lot more research into the effects of stress on clients and advisors clearly needs to be done, the work of Grable and Britt has provided some valuable insights into the factors that increase client stress and what advisors can to do to help their clients feel more comfortable—and consequently, to help them make better financial decisions. Simply recognizing client stress levels is a big first step, as is consciously conducting client meetings with an eye toward reducing both client stress and the stress level of the advisor.
A financial advisor's office environment has an impact in shaping a client's level of stress, as well. "Advisors who think strategically about how and where they meet clients will experience better results than advisors who unthinkingly maintain the standard operating procedure," concluded Grable and Britt. "Results further indicate that how an advisor structures his or her day can play a role in transmitting stress to clients. With this information it may be possible for financial advisors to arrange their office environments and practice procedures in such a way that they are able to manage, in part, the stress level of their clients, and as a result, increase the odds that a prospective or current client will make better decisions."
Remember: negative news isn't really "negative." If you have to run financial news in the office, try to run negative news.


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"It's going to be great for this community," said Mancos school superintendent Brian Hanson.
Hanson is talking about the Early Learning Center that is currently being built on Walnut Street in Mancos, just east of the already existing grade school. The new preschool, which will be open on Monday, Jan. 14, will have room for 47 kids, according to Pearlie Mae Chadwick, the new director of the preschool. Chadwick, who comes to Mancos from Cortez and who has spent many years working with small children, qualified that number; "We have 47 SEATS," she said. "That might mean part of them are half-day kids and some are full-time kids."
Right now, though, there are the 16 kids who are coming over from the Head Start classroom on Grand Ave. and who will continue to be together in one classroom. (In subsequent years, the low-income and tuition kids will be mixed.) "We didn't want to separate them in the middle of the school year," said Chadwick. Then, there are eight more kids who are already enrolled who will be in another classroom. "We are required by the state to have an 8 to 1 ratio of teachers to kids," said Chadwick.
That leaves room for 23 more kids to enroll. Chadwick said there is no deadline to enroll; they'll take kids even after the new building opens. The parents, however, have to fill out an application in order to enroll.
The preschool is funded by Head Start, a Federal program, Colorado Preschool Program (CPP), which is a program funded by the Colorado Department of Education (CDE), and by tuition. Those who may get help for their tuition can be part of the Colorado Child Care Assistance Program (CCCAP).
Chadwick has been in Cortez since 1987 and has used the same preschool curriculum for 12 years. "There are two kinds," she said. One addresses the academic portion and the other addresses the social and emotional aspect of small children.
"It's a really good curriculum," she said. "It goes right along with the school curriculum and they will be able to transition right into kindergarten." She likes to get parents involved early as volunteers right along with their kids.
"There are a lot of reasons we did this," said Hanson. "There's always been a need in our community for a preschool. Head Start did a great job, but their space was limited and they could only have 15 kids at their maximum. The building is owned by the State Grange, and they wanted to get out of being a landlord. There was no other facility in Mancos.
So, we had some conversations with the Head Start in Durango about building a preschool, so it was just a matter of finding the funding and making the commitment."
The school will now be PreK through 12 and the transition will be seamless, he said. "When kids come into kindergarten they're one step closer to being where they need to be," Hanson said.
He was quick to praise the school board members, both the ones that are on it now, and the ones that were on it when this process started. "The board needs to be commended for stepping forward," he said. "It took a lot of courage to commit to this."
They started this process three years ago by talking about it and doing some research. Then, a Community Development Block Grant (CDBG) became available two years ago and the town supported it. "So we went for it," said Hanson.
The preschool will have one teacher and an assistant teacher for each classroom. Right now, Chadwick will teach in one of the rooms, until they get more kids and the building is filled to its maximum. They still need one more assistant teacher, she said. They also have an administrative assistant to manage the paper work and greet the kids and parents as they enter the building.
In the new preschool building, there is a coded access that only the parents will know. That way, there is as much security for the children as possible. In addition to the three large classrooms, there is an office for the adminstrative assistant, a place for first aid, a washer and dryer and lots of low windows for the small children to see outside.
The long term vision for the preschool, according to both Chadwick and Hanson, is to eventually have after school programs, parenting programs, and to partner with higher education facilities. This will also give the high school kids a chance to incorporate child care into their curriculum and work with them on a regular basis.
"There is data to show that kids who have come out of preschool are ahead academically," said Chadwick. "Much more so than those who aren't in preschool."
The tuition for the new preschool is $25 per day for a whole day and $19 per day for a 1/2 day. They will provide breakfast, lunch and a snack for the all-day kids. They will use the playground that is currently being used for kindergarten, but will eventually build one on the southeast corner of the new building. After the building is completed, the outside work - the landscaping and other outside stuff - will need to be done by volunteers. Doing that work wasn't in the original budget for the preschool building, Hanson said.
"People have been very supportive of this process," said Hanson. "A preschool is an attraction for people to move here, and it serves a need."
There will be an open house ceremony before it opens for everyone who has been involved and the parents, said Hanson. "We'll make sure everyone gets notified."
Chadwick is excited about her position as director of the new preschool. She loves to work with small children and has a real heart for them. It doesn't matter to her what they're background is or what their circumstances are. "They're just kids," Chadwick said, smiling.
If you have small children that you would like to enroll, call the Mancos School District Central Office at 970-533-7748.

subset: commoncrawl


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SAVANNAH, Ga. (AP) — Even a rural festival celebrating the harvest of Georgia's famous sweet onions isn't safe from the federal budget battle 600 miles away, as automatic cuts are threatening to take away the star attraction for the Vidalia Onion Festival's popular air show: the Navy's daredevil fighter pilots, the Blue Angels.
The $85 billion in automatic budget cuts that took effect March 1 have thrown planning for the festival's air show into a tailspin, just weeks before the April 20 event that officials agreed to hold a week earlier than usual so they could book the vaunted group. The Navy plans to cancel Blue Angels shows booked next month in Vidalia and three other cities. And there is a good chance dozens more air shows across the U.S. could get the ax as well, leaving host cities facing threats of lost tourism revenue and dwindling ticket sales.
"It's going to hurt us," said Marsha Temples, chief organizer of the Vidalia air show, who estimates past festival weekends have drawn 15,000 extra people when the Blue Angels were on the bill. "People like to see the Blues because they put on an absolutely phenomenal show. You have people who actually follow them and a lot of people come from out of town just to see them."
While the Blue Angels' spring schedule is in doubt, the Air Force's formation-flying Thunderbirds and the Army's Golden Knights skydivers have canceled their performances outright. Combined, the three teams had booked more than 190 performances between the spring and fall. That's left many air show organizers scrambling to find replacements, such as civilian pilots with loud, fast jets from the Vietnam era or vintage planes from World War II. The uncertainty has forced others to simply cancel altogether.
John Cudahy, president of the Virginia-based International Council of Air Shows, said at least 150 U.S. air shows each year count on military performers to draw big crowds. A group like the Blue Angels or the Thunderbirds can account for 10 to 30 percent of attendance — in some cases enough to determine if a show makes or loses money.
Canceled appearances don't just mean fewer dollars spent on tickets, souvenirs and concessions. They also mean fewer fans traveling to shows out of town and spending on hotels, restaurants and gas.
"If the military does not participate in air shows during the 2013 season, the economic impact will reach far beyond the show itself and deeply into the communities in which those shows are held," Cudahy said.
Several air shows hosted by military bases, which show off their flashiest planes for publicity and as a recruitment tool, were canceled almost immediately. They include shows at MacDill Air Force Base, Fla.; Luke Air Force Base, Ariz.; Seymour Johnson Air Force Base, N.C.; Langley Air Force Base, Va.; Dover Air Force Base, Del.; and Naval Air Station Corpus Christi, Texas.
Businesses and community boosters at Pensacola Beach, Fla. — where the Blue Angels are stationed — are already trying to avert possible cancellation of the team's July show that's become one of the city's biggest tourism bonanzas. An economic impact study last year estimated the Pensacola air show lured more than 15,000 visitors in addition to the normal July weekend beach crowd of about 109,000.
Buck Lee, chairman of the Santa Rosa Island Authority that oversees Pensacola Beach, said business owners and sponsors are offering to donate $100,000 or more to pay for jet fuel and other costs if that means the Blue Angels will commit to flying.
"We have a restaurant that just opened that contacted me and said, 'We're in for $10,000 if you need it,'" Lee said. "It's a $2 million weekend for the area. That's for hotels, employees, restaurants, souvenirs. It's just a great three days out here."
While the Las Vegas-based Thunderbirds and the Golden Knights from Fort Bragg, N.C., have outright canceled their schedules beginning April 1, the Blue Angels have hedged. The team has continued training in California for upcoming March shows in El Centro, Calif., and Key West, Fla. On Monday, the team updated its Facebook page with a statement saying the Navy "intends to cancel" the Blue Angels' April performances.
Air show organizers said the Blue Angels have been unable to tell them if they will perform or not. A spokeswoman for the Navy jet team, Lt. Katie Kelly, said the Blue Angels are waiting until the last minute in the hope something will change.
Private organizers of big air shows in Dayton, Ohio, and Louisville, Ky., have vowed to continue even if military pilots are no-shows. Others have folded their tents for 2013. The Thunder Over the Blue Ridge air show scheduled for May 11-12 in Martinsburg, W.Va., was canceled after the Air Force's Thunderbirds announced they had been grounded.
Organizers of the Indianapolis Air Show also decided to pull the plug despite the Blue Angels holding out hope they might be able to fly in the show Father's Day weekend. The air show's chairman, Robert Duncan, said a $10,000 sponsor pulled out as soon as the president and Congress failed to avert the budget cuts. If the Blue Angels canceled, organizers expected the show to lose 25 percent or more of its audience. Duncan said that kind of financial blow would likely leave the show unable to cover expenses.
"They weren't committing to anything other than to say, 'We will continue to practice and fly,'" Duncan said of the Blue Angels.
The Indianapolis show, which has raised $1.3 million for charity in its 15-year history, attracted more than 65,000 spectators last year when the Thunderbirds performed.
On the South Carolina coast, the April 27-28 air show hosted by Marine Corps Air Station Beaufort remains on track — at least for now. Chief organizer Ivey Liipfert said "there's still some time to hold out hope."
More than 100,000 spectators swarm into Beaufort, a city of 12,400, for the air show. Surveys indicate more than a third of the crowd travels more than 50 miles to see it, and many spectators stay for more than three days. Liipfert said without the Blue Angels, it's possible the show would be canceled.
John Rembold, a board member of the local Chamber of Commerce, said that will definitely deprive hotels and other business of tourism dollars. It would serve as an unavoidable civics lesson, however.
"If folks have not been paying attention to the dire budget problems our nation faces," Rembolt said, "this might be a little bit of cold water in the face."
SAVANNAH, Ga. (AP) — Even a rural festival celebrating the harvest of Georgia's famous sweet onions isn't safe from the federal budget battle 600 miles away, as automatic cuts are threatening to take away the star attraction for the Vidalia Onion Festival's popular air show: the Navy's daredevil fighter pilots, the Blue Angels.


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Discover for free which first names would suit you or your baby !
Meaning of name Maria-Del-Carmen
Etymology : The one who raises(brings up) (Hebrew). Song, hymn (Latin).
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Origin : Spanish
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Gender : girl
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Who is she?
Thanks to the omnipresence of the number 9, Maria-Del-Carmen is an extraordinary woman who is disposed to excess, and her policy seems to be "all or nothing" much of the time, meaning that her itinerary could take her to the highest peaks as well as towards certain chasms... This influence also nudges her in the direction of others - to the world and to the public. In any case, Maria-Del-Carmen certainly doesn´t leave people indifferent and could go far with the right support - with the chance to be even more successful if she approaches life with a selfless attitude. She is an unconventional character who doesn´t like to follow the beaten track and knows no limitations. Maria-Del-Carmen is fascinated by elsewhere - be it geographically, intellectually or spiritually. She seeks to surpass herself and break the mould of habit and convention. This can often make her appear enigmatic and others could perceive her as a visionary or a nonconformist, or even an outsider. However, more often than not, Maria-Del-Carmen is drawn to contact with the public, but destiny could present her with the other aspects of the number 9: overseas travel, altruism, humanitarian or philanthropic orientations. It is quite possible that she goes through different stages before achieving a state of perfect detachment, she needs to feel secure in the material realm before she can dedicate herself to others, and Maria-Del-Carmen is not indisposed to a little soul searching. She needs to believe in what she does, and it is not inconceivable that she one day achieves a certain notoriety or another form of recognition. Her tendency to daydream, her sensuality and the nature of her ultimate quest, could, if she isn´t able to materialize her aspirations, lead her to artificial paradises. As a child, Maria-Del-Carmen can be oversensitive, emotional and unpredictable, and one needs to understand her to be able to love her, although her perception of the truth may seem alien to you and her incredible stories shocking. But what if her rich imagination, her dreams of splendor and utopian convictions were the seeds of her future vocation? Tell yourself that affectivity is her source of nourishment and that if she feels misunderstood, escape could be her chosen solution...
What does she like?
Honourable causes and grand ideas, with humane and spiritual values in mind. Maria-Del-Carmen tends to think big, and her idealism knows no limits. Her tastes and preferences could lead her to encounter the unattainable, the unusual, mystery, religion, esotericism, psychology, politics or archeology... She can be difficult to define or keep up with on a day to day basis, but her heart is as immense as her integrity: Maria-Del-Carmen is a sentimental romantic, and her love relationships tend to be somewhat erratic. She isn´t exactly a model housewife either, because she isn´t very organized nor is she very tidy. One could even say she is a little eccentric, as she tends to have more time for her emotions - experiencing the many sensations of being alive and feeling all that surrounds her in the here and now - than she has for wasting time worrying about her responsibilities and obligations.
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What does she do?
Maria-Del-Carmen could be attracted to occupations orientated towards the more profound human, social or philanthropic values, occupations that involve contact with the public (broadcasting), advertising, professions in connection with catering or gastronomy, with travel and abroad (tourism), or indeed she may choose to develops her artistic talents (journalist, actress, author...).
Discover others girls first names : Maaike Maala Maaria
*To note: :
It sometimes happens that two different first names have the same meaning. This has nothing surprising: both first names have the same figures of numerology. It is as in astrology: two persons belonging to the same sign present the same characteristic...
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Your Name Horoscope !
Thanks to the numerology, we propose you daily a horoscope personalized for your first name. Love, money , Shape: discover what waits for you for today. In Bonus every day find your daily lucky figure .. Horoscope of the first names
Love :Couples: The complicity between the two of you will be reinforced. Singles: An admirer will make themselves known.
Money :You are trying to decide whether or not to make a property investment. Take your time.
Health:You won't see any results without some effort Maria-Del-Carmen.
Your Lucky number : 80


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More thundery downpours before the remnants of Tropical Storm Kyle get involved from midweek
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It's coming down to that part of the season where you get cup shocks and different results."But we have got to make sure we're aware there could be a backlash, because of the talent they've got and they players they've got and the expectation that goes with being Manchester City."They've had a difficult week and as always with these big teams, when they have had a difficult week they will want to come out fighting
They still have the league to play for so they will want to come here and turn us over."The Tigers have been in buoyant mood all week after the FA Cup quarter-final win over Sunderland and will be able to recall cup-tied strikers Nikica Jelavic and Shane Long to their squad.Manchester City manager Manuel Pellegrini hopes top scorer Sergio Aguero will be out of action for no longer than a fortnight.Aguero was withdrawn at half-time after feeling a twinge in his hamstring during the midweek Champions League loss in Barcelona.City are still waiting to learn the full extent of the injury but an absence of two weeks would put the Argentinian out of the derby against Manchester United on March 25.Aguero underwent a scan on his return to Manchester and results are expected at the weekend.The 25-year-old missed five games with a hamstring injury in February but Pellegrini is hopeful the problem is not as serious this time.Pellegrini said: "Sergio will know on Saturday what he has
It is 48 hours after the exam when they will know exactly what he has."I really don't know, but I don't think it is really very serious
I am hopeful he will (only) be injured for a couple of weeks."Aguero's latest problem is a blow to City as they bid to recover from FA Cup and Champions League elimination to gain ground in the title race.City have fallen nine points behind leaders Chelsea, but have three games in hand, while focusing on other competitions in the past three weeks.Pellegrini said: "We need to work hard with everyone, with the staff, with all the players
Now we must try to fight for the title in the Premier League."City are also still without striker Stevan Jovetic and defender Matija Nastasic but Pellegrini was hopeful that "maybe next week they can be fit".Right-back Micah Richards is also out with an unspecified knock
Source : PA
Source: PA


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The House Financial Services Committee announced Wednesday that it will hold a hearing on June 6 on the redraft of Rep. Spencer Bachus' bill calling for a self-regulatory organization (SRO) to oversee advisors.
Industry sources told AdvisorOne a day earlier that the hearing on the SRO bill, which Bachus (left), the Alabama Republican and Financial Services chairman, introduced April 25 with Rep. Carolyn McCarthy, D-N.Y., would take place on June 6 or 7 with a markup on the legislation likely on June 28.
Richard Ketchum, chairman and CEO of the Financial Industry Regulatory Authority (FINRA), told AdvisorOne on Tuesday after conducting a panel discussion at FINRA's annual conference in Washington, that he expected the committee to hold a hearing on the SRO bill before Congress breaks on June 29 for the July 4 holiday.
FINRA is said to be a lead candidate in filling the SRO role.
While chances are good that the SRO bill will be reported out of the Financial Services Committee, odds of passage in the Democrat-controlled Senate Banking Committee are far less likely.
The Bachus-McCarthy bill, the Investment Adviser Oversight Act of 2012, would authorize "one or more self-regulatory organizations (SROs) for investment advisors funded by membership fees."
The two lawmakers noted in introducing the proposed legislation that investment advisors and broker-dealers "often provide indistinguishable services to retail customers, yet only 8% of investment advisors were examined by the SEC in 2011 compared to 58% of broker-dealers."
Said Bachus: "The average SEC-registered investment advisor can expect to be examined less than once every 11 years. That lack of oversight, particularly in the aftermath of the Madoff scandal, is unacceptable. Bad actors will naturally flow to the place where they are least likely to be examined. Therefore, it is essential that we augment and supplement the SEC's oversight to dramatically increase the examination rate for investment advisers with retail customers."


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Once again the Rays held their annual fashion show to help raise money for the Children's Dream Fund. Many of the Rays players and coaches participated, doing their turns on the catwalk with either their significant other or a young lady from the Children's Dream Fund.
And lucky for us, we had the benefit of somebody on hand to take pictures. All of the images below were taken by Kyra Hallett, and she did an amazing job (be sure to check out her work at her website). Our heartfelt thanks go out to Kyra and all the Rays for the wonderful work they did for a great charity.


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If you're traveling overseas to Japan, the UK, Brazil or Australia and try to access Gizmodo, you'll get the local version to that country. Here's how to get the regular US site.
The first method is to manually visit us.gizmodo.com, which will show you the US site no matter where you are.
The second is to go to us.gizmodo.com and log into your commenter account. If you don't already have one, the instructions on how to sign up are down at the bottom of each post page, next to where you comment. As long as you're logged into the site and your cookie is fresh, you'll always be directed to the US site, even if you just type in gizmodo.com.


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Icelandair's schedule for 2014 is the biggest in the company's history, increasing by 18% from this year. Three new destinations will be added and frequency will be increased to several cities in North America and Europe. The number of passengers is estimated to be at over 2,6 million in 2014, compared to just under 2.3 million this year. Additionally, three Boeing 757 aircraft will be added, enlarging our fleet from 18 to 21 aircraft.
Icelandair has seen strong organic growth in the past few years, and as a result our 2014 schedule will be double in size from just five years ago. Departures from Iceland have grown from 4,500 in 2009 up to 9,000 next year, and passenger numbers will have grown from 1.3 million in 2009, to an estimate of 2.6 million in 2014, a 50% increase.
Besides opening up routes to Edmonton, Vancouver and Geneva, Icelandair will add frequency to most of its current destinations. Twenty-one weekly flights will be added on European routes and 14 weekly flights to North America, bringing our 220 weekly departures from Iceland this year to 255 departures next summer.
"We plan to use continuing opportunities for growth next year", says Birkir Hólm Guðnason, Icelandair CEO. "Our aim is to strengthen further our position on the North Atlantic market where we have been growing. We are also aiming for continued growth for Icelandic tourism and this enlarged network gives Icelandair new and exciting possibilities for travel and for doing business", Birkir says.
Flights to Edmonton, capital of Alberta, will start March 26, 2014 and continue until January 2015, with service four times a week. The Edmonton economy is strong with the 1.2 million inhabitants enjoying the rich natural resources of the area, creating a vibrant science and academic community. "We think we can offer very competitive service between Europe and Edmonton and are aiming for a full year service to the city", says Birkir. Both Edmonton and Alberta have a sizable Scandinavian population, including large numbers of Icelandic descent. In addition Edmonton has the largest shopping mall in North America.
The Vancouver twice weekly flights start May 13, 2014 and continue until October 12, 2014. Vancouver, western Canada's largest city with a population of 2.3 million, is often voted the most beautiful and best city to live in the world. "Our flight to Seattle, south of the border on the west coast of the US, has been a success for us and we hope the Vancouver route will give us added possibilities, especially in connecting to Scandinavian destinations", says Birkir. "In addition we can expect tourism from Vancouver to Iceland and we know the city will be popular among Icelanders".
The Geneva service starts May 24, 2014 and continues twice weekly until September 23, 2014. Geneva is a historic city and center for many international organizations with a multinational population of 1.1 million situated close to the French border. "We started a successful service to Zurich this spring and we will be adding frequency next year. The Geneva service is our answer to the demand in the Switzerland market for tourism flights to Iceland", says Birkir.


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- This event has passed.
Christian C. Sanderson Museum:
November 17, 2019 @ 12:00 pm - 4:00 pm
An event every week that begins at 12:00 pm on Sunday and Saturday, repeating until November 30, 2019
Phone: 610-388-6545
Step up to the wooden porch of Chris Sanderson's country home and tour eight rooms filled with over 200 years of American history. The Sanderson Museum has a rich collection of objects relating to life in Chadds Ford as well as an extensive collection of memorabilia representing the American experience. Visitors to the museum will uncover artifacts from the Revolutionary War, Civil War, both World Wars and learn about the Battle of Brandywine along with other local lore. Chris and the Wyeth Family shared a love of the Chadds Ford area. See original sketches and paintings from N.C. Wyeth, Andrew Wyeth, Peter Hurd and other Wyeth family members.
Open: March – November, Saturdays and Sundays
Admission: free to Members of the museum; otherwise,
$8 for Adult Non-Members;
$5 for children ages 6-12;
$0 for children age 5 and under accompanied by an adult.
Christian C. Sanderson Museum
1755 Creek Road
Chadds Ford, PA 19317


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With one suspect in the Boston bombings dead and the other in the hospital, investigators are now focusing on motive. Why should two young immigrants who had been given a home in the United States attack the iconic Boston marathon? Were they motivated by a specific interpretation of Islam pushing them to acts of violence? Or was it the geopolitical machinations of al Qaeda or some other terror group seeking to continue their violent struggle against the US?
These important questions are being explored, but I suggest they will yield little. An additional line of inquiry needs to be pursued that looks at the tribal background of Tamerlan Tsarnaev, who was killed in a shootout with police Friday, and his younger brother Dzhokhar. Both of them are ethnic Chechens, stemming from a tribal society in which a code of honor and revenge plays a significant role.
Consider this: The strike at Boston is, in all probability, the first terrorist attack in the United States in which the issues of tribalism and homegrown terrorism merged. True, 18 of the 19 hijackers on 9/11 had Yemeni tribal backgrounds. But they planned their attack from abroad. In contrast, other terrorists, such as Maj. Nidal Hasan at Fort Hood, were homegrown but did not have tribal backgrounds.
As an anthropologist, I've studied 40 remote tribal societies around the world, including in the Russian Republic of Chechnya, as part of my recent book, "The Thistle and the Drone: How America's War on Terror Became a Global War on Tribal Islam." Relations between the central government and tribal societies on the periphery range from indifference to outright hostility. The fiercely independent communities on the periphery feel the center is too inclined to use superior force to exploit their natural resources for its own purpose, threatens their customs, culture, and language, and pursues a policy of settling new immigrants in their lands in order to convert the local population into a minority.
While there can be no defense or justification for the alleged actions of the two suspects, without an understanding of their cultural or historical context it will be difficult to make sense of their motivation.
The Chechen people in the Caucasus region of Russia are a Muslim tribal people who have resisted Russian colonization of their lands for centuries. Like other tribal societies I studied, the Chechen are guided by a code of honor, in their case called nokhchalla. The code emphasizes courage, hospitality, revenge, and the protection of women. Each member of the tribe is linked to another and descended from a common ancestor. While Islam is part of their identity, it is Chechen tribal identity which defines them.
Nokhchalla, Islam, and traditional tribal life have been hammered by Russia over the last century. The two Boston terrorist suspects were from the Tsarnaev clan of the village of Chiri-Yurt in Chechnya. The Tsarnaev clan was, like so many other Chechens, forcibly moved to Kyrgyzstan by Stalin in the 1940s and lived in Tokmok near the Kazakh border. Most of the clan returned to Chiri-Yurt in the late 1960s. Yet three decades later, the people of Chiri-Yurt would find themselves embroiled in a savage war following Chechnya's declaration of independence from Russia.
In 2000, the Russian journalist Anna Politkovskaya, who would later be assassinated, asked a village leader in Chiri-Yurt what the villagers wanted, as recounted in her book "A Dirty War: A Russian Reporter in Chechnya." He responded, "People are in such despair...What did people dream of in the concentration camps?...Each village today is a concentration camp."
The suspects' family fled the wars in Chechnya to Kyrgyzstan, and the youngest brother was born in Tokmok in 1993. From there they reportedly moved to Chechnya, then to Dagestan, and finally immigrated to the United States.
The two suspects arrived in the US as refugees about a decade ago, one still a boy, the other, a teenager. They had fresh memories of disruption, and emerged from a region in which Chechnya had witnessed genocide in the 1990s. By the end of the decade, the slaughter had resulted in the deaths of about 10 percent of the entire Chechen population and the displacement of one-third.
The scale of the killing and its brutality caused a distinct mutation of nokhchalla, emphasizing revenge and resulting in the tragic assaults by Chechen terrorists on the Beslan School, the Moscow Theater, and the Moscow metro. The same phenomenon can be seen among suicide bombers in the Tribal Areas of Pakistan, by Al Shabab in Somalia, and by Boko Haram in West Africa. These groups say explicitly: Our aim is to cause pain to your loved ones so you know what we suffer.
Arriving in America, the Tsarnaev family found themselves suspended between two worlds, disconnected from their old home and not quite fitting into their new one. Their own words reflect the isolation, pain, and anger they felt feeling rejected by both the broader American community and the Muslim community. The older brother complained of having no American friends. On his Twitter feed, the younger brother spoke of Muslims in the mosque asking him questions about his Muslim status and when he had converted to Islam. As an ethnic Chechen, he would have found that offensive.
The disconnect and tribal code may well have been strengthened when the older brother, Tamerlan, returned to the Caucasus in 2012 for six months, staying with his father, who had moved back to Dagestan, another troubled tribal periphery in the Caucasus. During that time, Dagestan experienced (and still does) violent, fatal clashes between security forces and the local tribal population.
When Tamerlan returned to the US, his YouTube account adopted a more puritanical, religious flavor, according to media reports. But if it is a tribal code of revenge that chiefly motivated the suspects, then their purpose in the bombings would have been nothing more than to inflict maximum pain in the cruelest way, evidenced by the targeting of the marathon, which is an apolitical event in which all the people of Boston, whether black, white, Jewish, Muslim, or Christian, come together to celebrate a new season and a historic tradition.
In the long term, the answer to violence abroad in tribal societies in the Muslim world is for central governments, including Russia, to change the paradigm with which they treat the periphery, granting all of their citizens equal rights, respect, and dignity. Government officials and security forces posted on the periphery need to have some idea of local culture and custom. Most importantly they need to act honestly and ensure justice between clans.
Lineage elders and religious leaders in these regions have traditionally underwritten the stability and continuity of tribal life. They have overseen councils which ensure that disputes are resolved and conflict contained. Unfortunately, central government officials and local lineage and religious leaders are now barely functional in most tribal societies as a result of violence. Central government officials have become the target of suicide bombers. Without a slow but determined reconstruction of this three-part administrative structure, there is little hope of peace in the tribal territories in the Muslim world.
Here in the US, Muslim leaders – especially imams and community leaders – need to be vigilant and act as guides to young people. The young need to channel their energy and angst toward constructive projects. Non-Muslim Americans also need to avoid feeding into stereotypes of Muslims as intrinsically associated with terrorism, which also alienates young Muslims. America must not go down the same route that it took over a decade ago, which created a chasm between Muslims and non-Muslims.
The challenge is to make isolated communities feel part of a larger community, to fulfill the pluralism envisioned by the Founding Fathers of this great nation.
Akbar Ahmed is the Ibn Khaldun Chair of Islamic Studies at American University's School of International Service in Washington, and the former Pakistani High Commissioner to the United Kingdom. He is the author of "The Thistle and the Drone: How America's War on Terror Became a Global War on Tribal Islam" (Brookings Press, March 2013).


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Lorenzo de Santos-Lamas (born January 20, 1958) is an American actor and reality television participant. Lamas is known for playing Lance Cumson, the irresponsible grandson of Angela Channing (played by Jane Wyman) on the popular 1980s soap opera Falcon Crest, Reno Raines on the 1990s crime drama Renegade, and Hector Ramirez on the daytime soap opera The Bold and The Beautiful. Lamas also served as a judge on ABC television's short-lived reality show Are You Hot?. Presently, he stars in his own reality show, Leave it to Lamas, a series about his real-life family.
Lorenzo Lamas was born in Santa Monica, California, the son of the late Argentine actor Fernando Lamas and Norwegian-American actress Arlene Dahl. He is the stepson of the swimming film starlet, Esther Williams, who married his father when Lorenzo was 11 years old. Williams was also the best friend of Lamas's Falcon Crest co-star, the late Jane Wyman . Lamas was brought up in Pacific Palisades, California and moved to New York City in 1971, when he was 13 years old. He graduated from the Admiral Farragut Academy in Pine Beach, New Jersey, in 1975.
Longing to be an actor since the age of five, Lamas first studied acting in Tony Barr's Film Actors Workshop and quickly thereafter obtained his first TV acting role in 1976. He had a supporting role in the 1978 hit movie Grease. Early in his career, he also had guest-starring parts in Switch, Sword of Justice, Dear Detective, Secrets of Midland Heights, Fantasy Island, The Love Boat and Hotel.


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Laura and John Arnold Foundation underwriting six new books
Rice University-based publisher OpenStax College today announced plans to more than double the number of titles in its catalog of free, online textbooks by 2015, thanks to a grant from the Laura and John Arnold Foundation (LJAF).
More than 150 colleges, universities and high schools have adopted an OpenStax textbook since the nonprofit publisher's 2012 launch. OpenStax's introductory textbooks for physics and sociology have been downloaded more than 70,000 times, with two new biology books and an introductory anatomy book becoming available this fall. The LJAF grant will allow OpenStax to add books in six more subjects — precalculus, chemistry, economics, U.S. history, psychology and statistics — by 2015.
"Access is the future of higher education," said Rice Professor Richard Baraniuk, founder and director of OpenStax College. "With student debt at an all-time high, it has never been more important to make education more affordable. Our textbooks do that — not just because they are free, but also because they are every bit as good as books that cost $100 or more. Philanthropic support from forward-thinking partners is critical to making this possible."
OpenStax College invests more than $500,000 to develop each book. It hires the same content developers that major publishers hire, and its books are peer-reviewed by hundreds of faculty reviewers. Grants make it possible for OpenStax to offer its titles for free.
OpenStax College ultimately plans to offer books for 25 of the nation's most-attended college courses. College students could save an estimated $750 million over five years if the publisher reaches its goal of capturing 10 percent of the market for each of the 25 books.
"OpenStax College has a bold vision for transforming education that is directly in line with the Laura and John Arnold Foundation's strategic, entrepreneurial approach to maximizing opportunities for all individuals to succeed," said LJAF President Denis Calabrese. "We are confident that these digital textbooks will generate the greatest possible return on investment — expanded access to knowledge and additional educational opportunities for students."
OpenStax College also drives adoptions by partnering with for-profit companies and publishers. It has more than a dozen partnerships with companies that provide online homework, assessment and other fee-based products and services that are designed to be packaged with specific OpenStax titles. Because such extras improve student outcomes, instructors often look for them when deciding which book to adopt for their course.
"Changing textbooks is a lot of work for an instructor, so they only do it every few years," Baraniuk said. "Our goal is to make it very easy for an instructor to choose our book the next time they update their course curriculum."
Baraniuk said that high textbook prices are holding back some students. For example, the cost of textbooks frequently exceeds the cost of tuition for community college students today; and according to a Public Interest Research Group study, as many as seven out of 10 community college students try to get by without buying a book for at least one of their classes each semester.
"Instructors want their students to do well, and we want to provide instructors with a book option that helps students both in terms of price and performance," Baraniuk said. "Quality is the key. We believe the reason instructors have been slow to adopt open-source textbooks in the past has been that the free options weren't all that attractive. The rapid success of our books over the past year bears that out. If you offer a quality book for free, people will jump at it."
OpenStax's other philanthropic supporters include the William and Flora Hewlett Foundation, the Bill and Melinda Gates Foundation, the 20 Million Minds Foundation and the Maxfield Foundation.


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Wrap Up: Blu-Con 2010
The International Ballroom in the Beverly Hilton has been the home to the Golden Globes for the past fifty years. The space is much smaller than it appears on TV. And much colder. Apparently someone heard it was going to be above 72 outside and turned the air conditioner up to cryonic.
Blu-Con 2010 was off to a running start. The first speaker was Amazon.com's Vice President of Music and Video, Bill Carr. Carr had a number of interesting slides. The first showed the number of titles available during the first five years of the DVD and Blu-ray formats. Where DVD had over 20,000 titles after 5 years in the marketplace, Blu-ray has barely over 3,000. Next he showed what titles Amazon customers were most interested in buying on Blu-ray. These weren't too surprising, with Star Wars IV-VI at number one, the extended editions of Lord of the Rings at number two, and Star Wars I-III at number three. Indiana Jones, Nemo, Lawrence of Arabia, and Vincent Vega round out the list. Other tracking info included:
- the increase in spending overall after a Blu-ray player purchase
- how sales of BD discs drop 4% for every 10% increase in price over DVD,
- that Blu-ray discs have a high reported defect rate, almost always due to the lack of a firmware update on the user's player.
Overall Bill felt that consumers were excited about Blu-ray, and all that was needed was more selection, better price, and less confusion with firmware and 3D.
James Cameron
The next guest was James Cameron. He was joined on stage by Jon Landau, producer of Titanic and Avatar. The discussion quickly swung to the upcoming release of the 3-disc special edition of Avatar. In addition to countless special features, the new version has 16 minutes of additional footage, all of which have had their special effects done to the same level as the theatrical release. The cost of these new scenes is part of the reason why they're re-releasing the film in theaters. The time involved in adding these scenes is why they weren't added to the version released on disc in April.
Cameron's love for 3D is unabashed, and he talked about this at length. Overall he felt there was no content that couldn't benefit from the 3D treatment, but that 2D to 3D conversions had to be done carefully. The quick and cheap 3D conversions that are all the rage in Hollywood right now are very poor. Cameron said that there were only two ways to do 3D right; either shoot it in 3D to start, or spend six months in post production just on the conversion. That's a lot of time and money in post, which he thinks makes the added cost of just shooting it in 3D comparatively less severe.
It's also his opinion that 3D conversion is a lot like colorization of black and white movies. Where it does come into its own is with catalog (as in older) titles.
Cameron said he was pleased at the high quality of 3D that was available in the home, though he lamented the lack of content out there now. While 3D on Blu-ray is a big deal, he felt it wasn't enough in itself to push wider acceptance of 3D. That would take other 3D content, like sports. Auto-stereoscopic 3D, as in 3D without glasses, was at least 8-10 years away. Others echoed this number later in the convention.
Most of all, "3D is here to stay," he said, and that it would "continue indefinitely."
Perhaps the most poetic description of 3D was by Landau, quoting something Cameron had told him before: "3D is a window into a world, not a world coming out of a window." Indeed.


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Creme de la Mer Review With Pictures
This Is What Goes Into a Single Jar of Crème de la Mer
The stories about Crème de la Mer are legion. The skin cream is famously luxurious, having developed a devoted following almost solely by word of mouth. A friend of mine met a wrinkle-free 60-something who credited her smooth skin to the original Crème; she bought a jar the next day. I've met more than a few celebrity makeup artists who won't start their work before massaging Crème de la Mer into their clients' skin. At $150 an ounce, it's not for the light of wallet — but for its fans, nothing else will do. So what goes into a jar and why is this cream so famous? Read on to find out.
Crème de la Mer wouldn't have happened if it weren't for a physicist named Max Huber. After a laboratory accident burned his skin, he set out to create a healing cream. Huber believed that sea kelp was key to skin's regrowth, and he focused his attention there. If kelp could grow two feet a day and hold so many vitamins and minerals, he reasoned, it held promise for the skin. Twelve years and 6,000 experiments later, Huber had finalized his formula. He called it the Miracle Broth — and to this day, only a handful of people know how to create it.
The ingredients are readily available to anyone who looks at a box of the Crème. But Huber's process, used to this day, is a well-guarded secret. This, however, is public knowledge: it involves fermenting the kelp for months, using a sequence of pulsed light and sound while doing so. "After Dr. Huber died, we tried to re-create the Crème without the light and sound, but we didn't get the same results," says chemist Andy Bevacqua, La Mer's vice president of research and development. "When we finally followed his exact directions, it worked."
To showcase its star ingredient, La Mer recently invited a group of editors to see the biannual kelp harvest off Vancouver Island. (Disclosure: La Mer covered travel costs.) The vast island is filled with limestone mountains, Douglas firs and cedars, and cougars and wolves. Killer whales and harbor seals swim the surrounding waters; the air is crisp and clean. It is, in short, breathtakingly beautiful.
We headed to the waters outside tiny Port McNeill, where First Nations peoples sustainably harvest the sea kelp forests. (This involves taking only the kelp that reaches the water, so the plant can thrive underwater.) The kelp itself — Macrocystis pyrifera, which can grow to nearly 150 feet long — is bursting with iodine, potassium, and a host of other vitamins and minerals. The fronds are slightly sticky and gummy, and when I rubbed some residue on my hand, it was immediately softer and smoother. Suddenly, I understood why Huber had been convinced that kelp would improve skin.
Immediately after leaving the water, the kelp fronds are placed on ice; within hours, they're jetting off to the East Coast laboratory to begin the fermentation process. "We'd lose the benefits of the fresh kelp if we waited," Bevacqua explained as he passed fronds around. From there, the formulation is more labor-intensive than you might expect. For instance, another key ingredient involves the rind of an antioxidant-rich lime; fresh limes are peeled by hand, not by machine. Each jar, too, is filled by hand.
This month, some of those hand-filled jars contain a new version of the Crème. Two years in the making, the Moisturizing Soft Cream ($150) has a lighter texture and new technology that moisturizes more deeply. If the original Crème is too rich for you (as it is for me), this lightweight cream is a game changer.
Of course, the big question is, beyond the history and hand-harvesting, does the cream work? It makes my complexion softer and more hydrated, but the long-term benefits (stronger, more radiant skin) will happen over time. But this story should give you an idea of what to expect. My boyfriend and I picked up a souvenir sunburn in Miami last weekend — an angry, lobster-red, this-is-gonna-hurt sunburn. Aloe proved useless. On day two of our sunburn agony, remembering Huber's initial goal of healing burned skin, I applied the tiniest amount of the Moisturizing Soft Cream to our sunburns. Within minutes, the affected skin was cooler and calmer. By the next day, the redness had faded considerably. We should have had a painful and peeling mess on our hands, but less than a week later, the redness seems to be fading from the inside out. "This stuff is a miracle," my boyfriend keeps exclaiming. He's now one of the La Mer faithful — and if it's healed our sunburned skin this much, imagine how it's helping our skin day to day.


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"EB Garamond" font combines
ʿ character and the preceding letter.
Consider following document:
\setmainfont{EB Garamond}
aʿ bʿ cʿ dʿ eʿ fʿ gʿ hʿ iʿ jʿ kʿ lʿ mʿ nʿ oʿ pʿ qʿ rʿ sʿ tʿ uʿ vʿ wʿ xʿ yʿ zʿ
How can I prevent combing
ʿ (MODIFIER LETTER LEFT HALF RING) and the preceding letter? (In above images, only
b,d,i,j are rendered correct.)
Update After testing more than thirty, this is the only font has this issue. Unfortunately this is only suitable form for a paper that contains a lot of Unicode glyphs. ◕︵◕


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When we saw Venezuelan beauty Gaby Espino at Premios Tu Mundo over the weekend, we couldn't help but admire her messy fishtail braid. We were shocked to learn how simple a celeb-inspired hairdo could be! Gaby's stylist Marcos Carrasquillo gave us a step-by-step how-to.
1. Wet your hair and apply a generous amount of volumizing mousse, like L'Oréal Paris EverStyle Volume Boosting Mousse.
2. Blow-dry your hair using only your fingers to give it texture.
3. Make a side part all the way down your head, dividing your hair into two sections.
4. Grab a small section of the hair from the back of the right side, and add this section to the left side by folding it over with your left hand. After you've added a strand to your left side, grab a strand from the back of the left section. Fold it over and add it to the right section. Repeat this step, alternating sides.
5. Keep the look messy by pulling out a few strands loosely, using your fingers.
6. Finish the look off with a hairspray, likeL'Oréal Paris Elnett Satin Hairspray Extra Strong Hold Unscented.


text: NSF's vision for a Cyberinfrastructure Framework for 21st Century Science and Engineering (CIF21) considers an integrated, scalable, and sustainable cyberinfrastructure as crucial for innovation in science and engineering (see www.nsf.gov/cif21). The Data Infrastructure Building Blocks (DIBBs) program is an integral part of CIF21. The DIBBs program encourages development of robust and shared data-centric cyberinfrastructure capabilities to accelerate interdisciplinary and collaborative research in areas of inquiry stimulated by data.Effective solutions will bring together cyberinfrastructure expertise and domain researchers, to ensure that the resulting cyberinfrastructure components address the researchers' data needs. The activities should address the data challenges arising in a disciplinary or cross-disciplinary context. (Throughout this solicitation, 'community' refers to a group of researchers interested in solving one or more linked scientific questions, while 'domains' and 'disciplines' refer to areas of expertise or application).This solicitation includes two classes of awards:Pilot Demonstration Awards, andEarly Implementation Awards. The Pilot Demonstration projects should address broad community needs of interest either to a large number of researchers within a research domain, or extending beyond that to encompass other disciplines. Early Implementation projects are expected to be of interest to multiple research communities in multiple scientific and engineering domains; these projects will develop frameworks that provide consistency or commonality of design across communities, ensuring that existing conventions and practices are appropriately recognized and integrated, and, most importantly, that the real needs of the community are identified and met. Prospective PIs should be aware that DIBBS is a multi-directorate activity, and are encouraged to submit proposals with broad, interdisciplinary interest. PIs are encouraged to refer to NSF core program descriptions, Dear Colleague Letters, and recently posted initiatives on directorate and divisional home pages to gain insight as to the priorities for the relevant area(s) of science and engineering in which their proposal may be responsive. It is strongly recommended that prospective PIs contact a program officer from the list of Cognizant Program Officers in the organization(s) closest to the major disciplinary impact of the proposed work to ascertain that the scientific focus and budget of the proposed work are appropriate for this solicitation.


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Champagne Bronze Rugby Knob - 1 1/4"
Add an installation tool to get your holes just right for just $2 with the Alignright tool from Liberty Hardware!
- Description
- Shipping & Returns
- Description
- This beautiful champagne bronze knob from Liberty Hardware is a stand alone product and is a great match for any number of the other champagne bronze products.
Projection 1 1/8" Circumference is 1 1/4" x 3/4"
Comes with mounting hardware.
Liberty Hardware
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7 Days Camp – "Insight into Yoga" (English / Hindi)
The 7 Day Camp is an experiential introductory course to Yoga theory and practice where one would experience a yogic way of life. It is ideal for anyone who wants to live a yoga way of life and experience peace within. It helps you to incorporate Yogic ideals in every field of daily life.
The programme covers Asanas, Pranayamas, Kriyas, Yogic concepts, diet, games, recreation, attitude training, relaxation and meditation.
Highly trained teachers conduct this course.
1 week. The camp starts on the Sat and ends after lunch on the following Friday.
22nd August to 28th August
26th September to 2nd October
24th October to 30th October
28th November to 4th December
26th December to 1st January 2021
12th September to 18th September
14th November to 20th November
Saturday: 8:30 am – 7:30 pm
Sunday to Thursday: 7:00 am – 7:30 pm
Friday: 7:00 am – 1:00 pm
Please note fees once paid will be non-refundable.
To enrol you need to complete the application form (online or hard copy). You will receive a confirmation of approval by email or telephone.
Campers are advised to wear loose fitting, comfortable and appropriate clothing such as full-length track pants and T-shirt.
Capris, shorts, tank tops, low cut shirts, short and sleeve less T-shirts are not permitted as per the Institute dress code.
Woven mats are provided at the Institute.
For residential participants – triple sharing accommodation, separate for gents and ladies, with attached bathroom, toilet is available. Please bring along your personal toiletries.
Campers are encouraged not to leave the premises during the course and will be required to abide by the Institute's code of conduct.
For residential campers, arrival at The Yoga Institute should be between 7.00 a.m. to 7.00 p.m. IST (Indian Standard Time). Please read on Hostel Facility for more details.
For making online payment kindly register on the link below. Within 24 hours after registering, you will receive an email containing the link to the payment portal. You can use the link to make the payment.
We support all credit cards. For making payments using MasterCard. Alternatively, you can also make payments using net banking or opt for wire transfer by writing to us.


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GamePro magazine recently went quarterly but that doesn't mean you should count it out. The folks over at GamePro just dropped their cover on the net, saying that the new "periodical" is the last great video game magazine.
Going quarterly means it forces a magazine to be more thoughtful, less tied to time pegs, and a much better read if it wants to succeed. Here's hoping GamePro achieves all of that.


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How real is the threat of an asteroid hitting Earth, and is there anything we can do to prevent it from happening? Asteroid impacts are nothing new. Only last year, one exploded over the city of Chelyabinsk in Russia injuring 1500 people and damaging some 7,000 buildings.
"It was a pretty nasty event, luckily nobody was killed, but it just shows the sort of force that these things have," says Alan Harris, Senior Scientist, DLR Institute of Planetary Research Berlin.
While there was surprise nobody saw it coming, the asteroid itself wasn't that big, measuring no more than 20 metres across. It was tricky to spot, arriving into Earth's atmosphere backlit by the Sun.
In fact, much bigger threats lurk out in space. Just a few days ago another asteroid 270 metres wide passed near Earth. That kind of object could cause much more damage.
"Something with the size of a hundred metres for instance, which still isn't very big, you're talking about something that would fit into a football field, and that could actually completely destroy an urban area in the worst case. So those are the things that we're really looking out for, and that we're trying to find ways to tackle," says Harris.
Action to address the asteroid threat is already underway. Earlier in February, space scientists and policy experts from all the major space-faring nations held talks to create a framework for action.
"Last year we were still in a situation where if an asteroid were threatening to impact on our planet we would not have the process in place to react to it. We made the first step to do that by establishing this group," Detlef Koschny from the European Space Agency said.
The group is backed by the United Nations, and while astronomers work to spot new asteroids near Earth, they also decide what we'd do if one turns out to be a serious threat.
It is estimated about 20,000 asteroids with diameters between a hundred metres and several tens of kilometres are orbiting near Earth
Specialists like Alan Harris are developing plans to help stop an asteroid on a collision course with our planet.
"So one of the main ideas we are considering is to simply hit the asteroid with a spacecraft, so it's a little bit like cosmic billiards.
''We want to change the orbit of an asteroid, and what we are doing basically is attempting to transfer momentum to it with a spacecraft.
"In practice of course the spacecraft is only a very small object compared to the asteroid. It has very little mass, the asteroid is very big. So we have to hit the asteroid very hard with the spacecraft, we have to get up to a very high velocity with the spacecraft," Harris said.
Of course, asteroids aren't the only menace we face. The other major threat is space debris. Although it almost certainly won't kill or injure people on Earth, it could cause havoc amongst our current fleet of satellites.
So what is it? "It's largely rubbish from the space race. Of the 16-17,000 objects that we can track from ground stations up there, just about 1,000 are operational spacecraft, all the rest are remnants of past spaceflight activities, and more than one half of these objects are in fact fragments from on-orbit collisions recently, and also fragments from on-orbit explosions," says Heiner Klinkrad from the European Space Agency (more information via http://www.esa.int/debris).
These days, missions are designed not to leave litter behind in space. To tackle what is already there, however, engineers are promoting technologies that are similar to those that could be used to push asteroids off course.
Heiner Klinkrad explains: "So the main intention in order to remedy the situation is removing mass from orbit. This you can do by, for instance, mounting motors on the object and firing those motors to put a thing to an immediate re-entry. The other, more subtle thing, is that you artificially increase the drag force on such an object, and then the orbit will be slowly lowering over time, mostly in an uncontrolled fashion.
"It seems two conclusions can made: firstly, similar space technologies could help us burn up space debris and push away asteroids.
Secondly, both issues are being taken seriously.
"When you compare the risk of debris against asteroids you can say that the debris risk is more immediate, and the asteroid risk is higher," says Klinkrad.
Alan Harris agrees: "We need to be prepared for this, we need to be so that the next time it happens it may not be a 20-metre object that explodes in the atmosphere, it may be a 50- or a 100-metre lump of iron that comes in, and you wouldn't want that to let that impact at all."
Thankfully the initial steps to prevent such a disaster movie scenario coming true are now being taken.


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[UPDATE 26th July: A Japanese version of the book is now available on slideshare]
Developers have been exploring the possibilities opened up by the Windows Azure Platform for Cloud Computing. This book pulls together great articles from many of those developers who have been active with the Windows Azure Platform to hopefully help others become successful. There are twenty articles in this first volume covering everything from getting started to implementing best practices for elastic applications.
And ... a big thanks to the 15 authors of the articles. Well done to each and every one of you!
The book is available FREE as a PDF download, can be viewed on slideshare.net and to buy as a paperback from lulu.com - or just viewed here!
Download the eBook for FREE and please Give Feedback - as we hope to deliver a Volume Two later in 2010.
View on SlideShare (also allows download if you login to slideshare)
Purchase on Lulu.com


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We found 1 episode of Opposable Thumbs with the tag "sandra bland".
Episode 45: The Falsely Accused
November 20th, 2018 | 1 hr 4 mins
art, audrey lorde, beer, breast cancer, browser automation, canvas, card deck, challenge, challenges, chicago, creativity, david milgaard, design, efficiency, engineering, fire ladders, first person grader, formative assessment, grading, lms, los angeles, making, making things, poutine, sandra bland, scratch off, scripting, stan lee, summative assessment, testing, witches
Debbie Chachra is our guest this episode! Boston in tha house!
"The Falsely Accused" is our challenge this episode! Thanks to F. Douglas Brown for the challenge!
Taylor creates Castle Gradenstein (an FPG?) and we talk about the weirdness that is grading. Debbie investigates the cost of false positives, atypicality and the emotional weight of not knowing what to do next. Rob takes a thing apart as a meditation on women's liberation, invention and the master's tools.
We also talk about making beer, useful design feedback, David Milgaard's innocence, witches, wooden fire ladders, and poutine... annnnnnd Stan Lee.
You can check out our projects at http://projects.opposablepodcast.com
Props to Blondihacks, Nik Kantar, Walter Kitundu, Federico Tobon, Kelly Martin, Luke Noonan, Mike Tully, Adam Mayer, David Bellhorn, Tim Sway and Charlene McBride! They're our top Patreon supporters! Join 'em at: https://www.patreon.com/opposablethumbs


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Microsoft's Internet music service will roll out starting Tuesday on Xbox and next week on computers with Windows 8, as the company looks to compete against Pandora Media and Spotify.
Xbox Music will offer free, unlimited advertising-supported streaming of music on computers and tablets. For those seeking access on the Xbox gaming console and mobile phones, the service costs $9.99 a month, said Scott Porter, principal program manager for the product.
Customers who prefer to buy music, rather than just playing it online, can also purchase albums and tracks. By offering music streaming and downloads, the world's largest software maker is betting it can attract users from Apple's iTunes and Amazon.com's music store, as well as listeners of streaming services such as Pandora, Spotify, Rdio and Rhapsody International.
"This gives Microsoft a strong music story which they've lacked for years and extends the Xbox brand to media and entertainment," said Michael Gartenberg, an analyst at market research firm Gartner Inc. "A free streaming service with ads every 15 or 20 minutes is pretty compelling. This is will put a lot of pressure on the Spotify's, the Rdio's and Pandora's."
The application will also be available on new handsets with Microsoft's Windows Phone 8 software, coming in November. Mobile apps for Apple's iOS and Google Inc.'s Android are planned for next year, Porter said.
Redmond, Wash.-based Microsoft had already added television and sports content to its Xbox Live service in a bid to push into the consumer entertainment market.
Xbox Music features touch controls and the tile design of Windows 8. It will also be the default music service on the operating system. Customers who want to use the streaming service without ads on PCs and tablets will also have to pay $9.99 a month.
When a customer creates a playlist or downloads music on one device such as a PC, the account is automatically updated if they access it using a phone, tablet or Xbox because the data is stored in the cloud. That's an advance over Xbox Music's predecessor the Zune music service, Porter said.
Initially Xbox Music will lack some of the social features seen in a service like Spotify, which tells users what music their friends are listening to. While those will come next year, Porter said, Microsoft is also mulling how to make those features useful without "spamming" your friends with constant notifications about a user's listening choices.
The service will have a worldwide catalog of 30 million tracks, and in the U.S. there will be 18 million tracks available.


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Filming for the highly-anticipated Avengers: Age of Ultron is underway in Aosta, Italy, so naturally every person with a camera and a good vantage point is trying to get a look at what's happening on the set. There's just no mystery left in filming movies anymore in this age of the paparazzi, and I don't really give a Hulk's caboose about all that because PLEASE SHOW ME PICTURES OF THE NEXT AVENGERS MOVIE!!! Sorry, it's like heroin to me, and when I saw that Getty had a bunch of photos from the set of today's shooting, including pictures of Elizabeth Olsen as the Scarlet Witch and Aaron Taylor-Johnson as Quicksilver, I couldn't help but share them with everyone else.
But I know how much some of you kids hate spoilers, so I only led with the photo of Joss Whedon directing the action, because it's up to you if you want to proceed from here. I guess the biggest warning of all is that there are two shots of what people believe is Ultron (because it looks like Ultron), so if you don't want to know what he kind of looks like based on a guy wearing jeans and some shiny metal, then go no further. Everyone else, let's geek the f*ck out already.


text: We are the ones who had the pirate comic book invitation from a couple months back. This is right after we got married, while we were taking all the group photos. For some reason we decided it would be an awesome photo if my sister (one of the bridesmaids) pointed a gun at my husband while he and I kissed.


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The North Dakota Department of Transportation (NDDOT) along with the North Dakota Highway Patrol (NDHP) have issued a Travel Alert for south central North Dakota due to freezing rain causing icy road conditions. Cities included in the Travel Alert Medina, Jamestown, Edgeley, and surrounding areas. A Travel Alert means conditions are such that motorists can still travel in these areas, but should be advised of rapidly changing conditions. Motorists are encouraged to reduce speeds and drive according to the conditions.
The three categories are as follows:
1. TRAVEL ALERT – Motorists can still travel but may encounter areas of challenging winter weather driving conditions on roadways. Motorists should allow extra time to reach their destination and be alert to conditions that may make travel difficult, change rapidly, or cause travel delays. A TRAVEL ALERT has the potential to change to a NO TRAVEL ADVISED if conditions deteriorate.
2. NO TRAVEL ADVISED – Motorists should not travel due to hazardous conditions which may make it unsafe to travel. Snowplows may be pulled from the roads during severe conditions. Motorists should take NO TRAVEL ADVISED seriously as those motorists who choose to travel at their own risk may become stranded and emergency responders may not be able to reach them safely. A NO TRAVEL ADVISED has the potential to change to a ROAD CLOSED OR BLOCKED if conditions deteriorate.
3. ROAD CLOSED OR BLOCKED – Motorists are not allowed to travel on a closed road due to life threatening conditions. The road may be impassible or blocked. Motorists who drive past a road closure device may be fined up to $250.
Please be advised that road condition information on 511 and the travel map is updated daily from 5 a.m. until 10 p.m. CDT. The road report is based upon the information available to the NDDOT at the time of preparation and is provided solely as a public service. Conditions may vary from those reported.


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HOPE Foundation's Transformation Model Gains National Attention --- Decade-Long Track Record Distinguishes the Approach
BLOOMINGTON, Ind - April 26, 2010 -
Today John Wilson, the National Education Association (NEA) Executive Director, joined a growing chorus of leaders acknowledging the efficacy of the Failure Is Not an Option® model implemented by the HOPE Foundation. "The HOPE Foundation has shown – over and over again – that its collaborative model of school improvement is sustainable and effective," said Mr. Wilson. "School transformation should be led by and done WITH educators, not to them. The NEA believes that the HOPE Foundation offers a model of proof and promise to schools striving to make the right kind of change to help students succeed."
This framework for transforming low-performing schools has succeeded in urban, suburban and rural settings throughout the United States.
The Failure Is Not an Option® model focuses on helping leadership teams build a framework for sharing best practices, transforming school cultures, and sustaining student success.
The decade-long record of success has been documented in two independent studies by Zarimba and Associates, PlaNet Research and by student achievement data in formerly low-performing schools in settings as diverse as Milwaukee, WI, Pottstown, PA, Pixley, CA and the Bronx, New York.
The model became popular following release of the award-winning book Failure Is Not an Option®: Six Principles that Guide Student Achievement in High Performing Schools, and is more fully documented in the newly released second edition (2010), co-published by the HOPE Foundation, the NEA and Corwin Press.
Today's announcement comes on the heels of record federal funding by the U.S. Department of Education for improving the nation's lowest performing schools. While many schools will be closed down, Alan Blankstein, president of the HOPE Foundation, and author of Failure Is Not an Option®, argues against that option: "In most cases helping leadership teams to change the school culture will produce better student outcomes than will massive firings and school closings."
An example of the kind of "change" Blankstein talks about can be found in one formerly low-performing school in Brooklyn, NY. It was rated "D" by the New York City Department of Education and slated for closing until its new principal, Marion Wilson, began turning the Jackie Robinson Public School 375 around. Three years later, the school received an "A" rating. "We are a real-life example," said Ms. Wilson. "These principles really do work."
For more information on schools that have successfully transformed visit the HOPE Foundation website (www.hopefoundation.org). For more information in the district-wide Courageous Leadership Academy click here. To receive a copy of the second edition of Failure Is Not an Option® click here.
About the NEA:
The National Education Association is the nation's largest professional organization, representing 3.2 million elementary and secondary teachers, higher education faculty, education support professionals, school administrators, retired educators and students preparing to become teachers. In 2010, NEA launched the Priority Schools Campaign to focus resources on school transformation involving educators, communities and policymakers; collaboration on innovative programs to measure student success and teacher quality, and attracting and keeping the best educators and necessary resources for the schools of greatest need.
About the HOPE Foundation:
Since 1989, the HOPE (Harnessing Optimism and Potential through Education) Foundation – a non-profit 501(c)(3), whose Honorary Chair is Archbishop Desmond Tutu – has led the way in creating learning communities where student success is the only option. HOPE helps develop high-performing leadership teams and school cultures where Failure Is Not an option for any student. Please visit us on the web at www.hopefoundation.org.
CONTACT: Amber Reeves 812-355-6000, email@example.com