text:
May 27, 2019
This course is very good in regaining your knowledge in Interest Rate model. However, the exchange is that you have to spend time with it. But believe me it is worth your time spending
Aug 29, 2020
Probably the most rigorous course on Coursera. Requires solid effort worthy of a graduate course. Kudos to the professors, TAs for putting together the assignments.
교육 기관: Md N A•
Apr 09, 2017
Content wise this course is excellent, quant finance enthusiasts would love this course. Truth be told this is an insanely difficult MOOC to pass/complete, not because its hard, lets face it, the contents are very advanced and its assumed that students would have background in advanced finance, but the problem lies in the fact that the professor does not explain the topics well enough. The professor might be excellent in this field but simply can't explain well enough, he is mostly reading his notes/slides with a few drawings. Second problem is the notations used in the course is extremely confusing, it makes maths look scary. This could have been a the best MOOC on Coursera but the professor's explanation is simply not upto the mark.
교육 기관: Eric D B•
Nov 15, 2017
Doing this course takes longer than stated and needs constant research to understand what is missing in the classes lectures. Some problems are the assumption of finance jargon is known and pricing formulas are given without fully explaining its origins stating its simple algebra.
교육 기관: Fabio•
Feb 23, 2018
Great course! If you have not deep economic/financial background (f.i., I am an engineer) you should not rely too much to the expected time required to complete the week assignment, especially weeks 4 and 5. Lectures have a marked mathematical facet (it's a financial mathematics course, after all!) and exercises are well designed to make you understand the matter. The final exam stays in ~200 lines of Matlab (comments included), so if you are committed you will succeed.
교육 기관: Robert G•
Jan 16, 2018
Great course and I learned a lot from it, much more than I initially anticipated. The staff is very supportive and gives right advise when there is a need. Would like to see more intuitive explanations along with the mathematical derivations. Not an easy course but really worth to take it to the end.
교육 기관: Michael B•
Jan 31, 2017
Great course! Level of difficulty is about first or second year Ph.D. in economics/finance. I learned a lot.
교육 기관: Гуревич А•
May 05, 2020
If you don't take this course as a part of your university degree and you won't get 5 credits for it, I don't think it worth passing this course. However, you can take it and do it at your convenience.
Whereas the contents of this course are strongly relevant for every quant, and the level of this course is uniquely advanced (it's hard to find anything that advanced in Coursera, at least for quants), I was very mad about the assignments. They are definitely too cumbersome for this platform. Coursera is not the university, the certificates from here don't matter anything for the employers, they only show that you are doing something for your self-development, but nothing more.
So, the problem is that assignments require to spend really a plenty of time for doing them. Many questions require several computational (and not very easy) steps, and everything can go wrong at any of those, and after submission you'll see only that your answer is wrong. But you don't know where you've made a mistake, and you go to the discussion forums, compare some intermediary answers and check your code again and again. The most obvious solution would be at least to split these questions step-by-step.
One could say that in real work you'll face same problems, but according to my experience, it's not true (or at least you get paid for it). You definitely won't have to manually fill in bonds cash flows in huge matrices, and definitely you won't have to do bootstrap manually too.
Also it seems that the course staff doesn't answer forums discussions anymore, but it may be not true.
Coursera is needed for acquiring new knowledge, but not for parenting stubborn and persistent graduates. I've spent more time only solving the final quiz than I've spent on many other full courses here.
Why did I pass this course? I needed it for my job, and my corporate Coursera license would be cancelled if I wouldn't finish it :)
I gave 3 stars because the content is really good.
교육 기관: Tatiana B•
Jun 21, 2020
4* for the material, 2* for the way it way taught. 3* is the average.
The course is very challenging. I felt miserable while doing most of the assignments. Math background is required.
What was good: the topic is relevant to my job. There are very few courses on this topic. The course is pretty logical and covers the problem in general.
What was bad:
1. The examples are not worked through. No excel examples. If you want to get the numbers from the slides, you have to replicate the calculation process almost from scratch.
2. The way the instructor explained the things confused me in the cases when I knew the idea in advance. I mean I used to understand the concept, and then I stopped understanding it (e.g. PCA).
3. The assignments are time consuming. There is no way to check the process. Once you end up with a wrong answer, there is no way to check if it is as arithmetical error or you got the idea wrong in general.
4. No study books or other reference or explanatory material
5. Forum is almost dead
6. Jumping back and forth from simple yield to exponential was confusing. I ended up trying different yields in the assignments. Is there anybody in the real world who uses exponential yield for bonds??
7. There were few cases in the assignments, when I ended up trying all formulas from the slides which seemed to be relevant. I did not get the idea, I was just persistent in trying everything I could. There were few time when I used wikipedia instead of slides. I still don't know where the correct formulas are on the slides. I did not find them.
8. Math assignments. How do you type in those formulas? Coursera help page did not help.
교육 기관: Puttipon V•
May 27, 2019
This course is very good in regaining your knowledge in Interest Rate model. However, the exchange is that you have to spend time with it. But believe me it is worth your time spending
교육 기관: sanketdoshi•
Aug 29, 2020
Probably the most rigorous course on Coursera. Requires solid effort worthy of a graduate course. Kudos to the professors, TAs for putting together the assignments.
교육 기관: Philippe T•
Oct 01, 2019
Very interesting course. Would be great if there is a second part of this course about modern pricing with OIS swap, collateral ...
교육 기관: Sungjoon B•
Aug 23, 2017
Very helpful course to revisit my daily work covering curves, derivative pricing.
교육 기관: Andrea B•
Mar 14, 2020
This course covers a number of interesting topics in the field of interest rate modeling. It requires a good background in stochastic calculus and in mathematical analysis and also the knowledge of programming languages to perform advanced calculations. I recommend Python or more powerful languages, because a high degree of precision is needed to solve some exercises, mainly in the part dedicated to calibration and in the final quiz.
I would have preferred a deeper exposure of the mathematical derivation for some pivotal results such as Black's and Bachelier's formulas for Caplets and Floorlets.
Definitely a recommended course, but not for beginners.
교육 기관: Josh H•
Apr 20, 2020
This course is very very difficult. The exercises take a lot of time to complete and there is limited support available in the forums. Also, if you are not comfortable with undergraduate mathematics and probability theory, you will probably not finish this course.
With that being said, I learned a lot from the lectures and managed to complete every quiz.
교육 기관: Jiaxin Y•
Mar 12, 2017
Solid contents, also required solid graduate level mathematics. The instructor may consider providing more details in some of the derivations. It is a bit difficult to follow during some lectures.
교육 기관: Nont N•
May 11, 2020
I've been a market risk manager for 10 years. All I can say is the this course deliver very poor explanation on concept and understanding. It mostly focus on the formula without any meaningful of the equation. Exam questions are mostly grinding through the number and remembering the formula. Don't waste your time if you want to understand the meaning of the math behind.
교육 기관: gowtham•
Jun 20, 2017
very poor presentation
교육 기관: Felix C•
Jul 02, 2020
An excellent course, the material presented is quite advanced for a MOOC. Short, austere videos and slides that are very rich in content despite their rather compact presentation. Do not be fooled by the description - this is far from an "easy" introduction to the subject matter. Linear algebra, stochastic calculus and the basic results of mathematical finance in continous time are necessary prerequisites in terms of theory. Basic programming skills with any language such as Python or R are also indispensable for the exercises, which require a lot of time to be completed succesfully. Time commitment to the course grows greatly starting with Week 3, and by the final quiz it can feel quite overwhelming and frustrating due to the amount of material covered in each week and the high difficulty of some of the exercises. Still, it is quite doable (I finished a few days earlier than the schedule), but the effort required is not trivial. A good companion to the course is the book written by the Instructor, "Term-Structure Models", published by Springer.
교육 기관: Nail M•
May 11, 2020
5 stars for the great content. Learned a lot. Especially about curve bootstrap, HJM and calibration of HJM models. Bigs thanks to Damir Filipovic and the team making this course possible!
It would be great to have any other course on quant finance topic from Ecole Polytechnique.
For those who want to take the course:
Yes the content is superb and the course worth taking if you are into quant finance. Expect to work on the problems much more than the suggested time, even more if you want to understand the math behind. For example, I was already familiar with mathematics of risk neutral pricing and understood the change of measure technique. The latter I would put in prerequisites for the course, otherwise one will have to learn it from other sources while completing the course.
교육 기관: Tatsunari W•
Jul 17, 2017
This course has been quite challenging, which I really have enjoyed. I guess this course is a shorter and easier version of the real course the professor teaches at his own institution. It only covers about one third of his text book, but now I know I can finish the textbook by myself. I strongly recommend to future learners that they get his textbook. I learned more from examples given the textbook. Since there didn't seem many learners on this course, it was quite frustrating to find a little mistake that I was making, but I guess that understanding whether the mistakes are conceptual or computational is also an important part of financial engineering. Anyway, I hope he will offer more of courses like this on coursera.
교육 기관: Himanshu•
Sep 03, 2020
I find the course quite informative with concise material. it breaks down a complex topic into simpler parts. The course has a practical approach rather than delving deep into calculus. It's one of the few courses that I would pay money for. Rather than writing all the positives here, I'll focus on a few things that could have been done better, was to have a few examples worked out in the lectures. Also, Graded quizzes are tough and slow down the learning experience. it can be better if there are some sort of hints (solution at intermediate steps) to know whether your approach is right or not. Lastly, the discussion forum is dead but few answers in the forum were quite helpful.
교육 기관: Nikola P•
Jul 10, 2017
A really useful and practical course in Quantitative Finance, which really raises the bar in terms of difficulty but also the knowlegde gained is definitely there. I would recommend this course even to seasoned industry professionals (e.g. traders, quants, portfolio managers) since it provides relevant techniques for measuring and managing interest rate risk and understanding interest rates derivatives space/markets. On the other hand I do feel that with useful comments, provided by the Coursera community, this course can only become better, as time goes by.
교육 기관: Jerzy D•
Feb 06, 2018
Very interesting and engaging course. It covers relevant topics in fixed income derivatives. It's rather challenging and requires some prior knowledge of quantitative finance/mathematics (and more time than stated in the syllabus :)). Also not possible to pass without some programming skills. What I didn't like is that instructor didn't provide economic intuition behind math formulas and models but rather presented them from a purely mathematical perspective.
교육 기관: Zixu Z•
May 03, 2020
This is one of the best online courses I have taken. It is a master level course if one actually make efforts to understand all the formulas instead of just plugging in numbers, and requires great commitment and time. Some quizzes require extreme carefulness and patience (the forum is very helpful!). However after completing the course one should be confident to explore more complicated interest rate models used in real work.
교육 기관: Duncan E•
May 18, 2018
An excellent course, well structured and clearly taught. The tests were very challenging but interesting. Not being a financial graduate I found the learning curve very steep but it was very stimulating and enjoyable: the course not only taught me a lot about financial models relating to interest rates but also gave me some entry points into interesting mathematics (measure theory, martingales, stochastic calculus)
교육 기관: Déodat V•
May 25, 2017
Amazing course with a great exposé of each concept and extremely well designed assignments. The contents are brilliant, really clear, the study materials are well designed. The assignments help to recognize blind spots in the understanding of the concepts and push to implement the contents. It is a really nice balance between knowledge and know-how. Also a really tough one but "pain will make it better".


text:
High winds bring fire danger across L.A. area Sunday
Another day of strong, dry winds are in the forecast for parts of Southern California, heightening the danger of brush fires.
The National Weather Service said wind gusts topping 40 mph are expected in mountain passes and foothills through Sunday afternoon. The weather service has issued wind warnings, and extra firefighters will be on standby.
The strong winds, coupled with low humidity and high temperatures, could create "extreme fire behavior," the weather service said in its warning.
"What this means is that, if a fire starts, it will have explosive growth," said Stuart Seto, a weather service specialist.
He said it's important for residents to be on the lookout for blazes.
"When it's this dry, things will ignite easier," he said. "And then the strong winds will spread the fires."
City fire officials said "red flag" parking restrictions will be in place starting at 8 a.m. Sunday.
Details on areas affected by the parking restrictions are available here.
L.A. arson suspect's mother claims Nazi persecution
3 Claremont professors awarded engineering's highest honor
Santa Fe Springs grocery worker crushed by big rig identified
-- Jessica Garrison and Sam Allen
Image: A map on the National Weather Service website shows the expected directions of heavy winds. Credit: National Weather Service

subset: commoncrawl


text:
What does surfing look like at 1,000 frames per second? Seriously awesome is the answer!
These slow-mo shots of some of the world's best surfers were taken by Chris Bryan Films using Phantom cameras.
Not only can you see the subtle movements each athlete makes, but you can even see the tiny water droplets glittering around them.
Looks like Bryan has started a whole new wave in surf videos!


text: Rallystu2 715 Posted February 14, 2019 2 minutes ago, RodgerDavies said: @Rallystu2 I always forget Mull. Need to add that to my list... It's cracking. Really is worth the trip. So much variety across the island, and it's easy enough to get to if you can stomach the long drive north. 1 Share this post Link to post Share on other sites


text:
Worthy of clients' trust when it comes to quality and flavorsome Spices like Organic Turmeric Powder, Coriander, Chilies, etc.
Spices are an integral part of delicious Indian Cuisine. Without them, one cannot imagine to make famous Indian dishes that remain favorite of every adult as well as children in the country. Our nation has been gifted by nature with a huge variety of Spices. There are numerous companies that process such Spices and offer to clients, although they are no match for the high quality promise we, Sri Santoshi Enterprise, make to our customers. Since 2008, our incorporation, we have constantly hygienically processed a wide variety of Spices, the highlight of our precious range is our Turmeric array. With pride, our enterprise introduce ourselves as the leading Turmeric and Organic Turmeric Powder manufacturer as well as trader of the domestic marketplace. Along with these, our company also brings forth a chemical free and quality accredited range of Coriander, Chilies, etc.
The goal of our Delhi situated company is to continuously offer expert approved range of Haldi Powder and several other Cooking Spices to our clients. For the accomplishment of this goal, we keep a strict check on our processed offerings. Our team of experts ensure that each of our agricultural offerings matches with the standards of the respective industry.
Serving Clients With Best Since 2008...
From the very first day of our business journey, our enterprise is serving customers with best quality Pure Turmeric Powder and other agricultural offerings. We are helping the culinary domain in creating hearty and healthy dishes that please the taste buds of consumers. To ensure that our clients receive the best offerings from us, we have partnered with reliable farmers of the country that cultivate our offered Spices on a highly fertile land without using chemical pesticides & insecticides. With their help, we deliver our clients with absolutely impurity free and high quality agricultural products.
Reasons To Our Success
Within just the decade following our incorporation, we have become a respected name in the Indian agricultural and Spice market. We are trusted by numerous clients, reasons to such positive image and immense growth of our company are listed below:
- Our constant focus on maintaining our agricultural range's compliance with international quality standards.
- Our continuous adherence to FSSAI and FDA guidelines issued by Indian government.
- Our ability to quickly deliver all of our clients' orders without any delay.


text:
WKU Events
Friday, October 18th
Our World Burning Photo Exhibition
- Time: 6:30pm
Our World Burning Photo Exhibition
September 24 - November 22
School of Media Gallery Hours
M-W 9am – 9pm
Th–F 9am – 5pm
Sunday 3pm – 9pm
Free parking after 4:30 M-F in the Chestnut St. Lot South / Closed Oct. 10, 11 and 13 for fall break
Freelance photographer Noah Berger has spent 24 years covering the San Francisco Bay Area for editorial, corporate and government clients. He works for national and international news outlets including the Associated Press, Reuters, San Francisco Chronicle and LA Times. On the corporate side, Noah covers transportation and infrastructure for government agencies and works often with health care organizations. A native of New York, Noah lives in Alameda – an island across the bay from San Francisco – with his wife and 9-year-old son.
Renée C. Byer is a catalyst for change. She is an award-winning documentary photojournalist and Emmy nominated multimedia field producer best known for her in-depth work focusing on the disadvantaged and those who otherwise would not be heard. Her ability to produce photographs with profound emotional resonance and sensitivity earned her the Pulitzer Prize for feature photography in 2007 and dozens of national and international honors, including the World Understanding Award from Pictures of the Year International, and Pulitzer Finalist in 2013.
Known for her ability to translate stark statistics into images that connect us to our humanity, she has traveled throughout Africa, Asia, Europe, North and South America, covering some of the most important issues of our time. Byer's stories have deepened our understanding of the environment, climate change, extreme poverty, genetically modified food, healthcare, women at war, domestic violence, and the drought and economic crisis in California.
Basketry Now: 10th Anniversary Exhibit
- Location: Kentucky Museum
- Time: 9:00am - 4:00pm
Held in conjunction with the National Basketry Organization 2019 Biennial Conference this exhibit is unique in it's focus on basketry and in it's inclusion of the full range of work being executed by well-known and emerging artists.
Even Coverlets Get the Blues
- Location: Richardson Quilt Gallery
- Time: 9:00am - 4:00pm
Kentuckians have practiced the art of weaving for more than 200 years.
Techniques represented in Even Coverlets Get the Blues range from overshot, double weave, and tied-biederwand to hooked rug making.
FACING THE FRESHMAN YEAR: Essential Conversations
- Location: Kentucky Museum - Grand Gallery
- Time: 9:00am - 4:00pm
This exhibit tells the stories of freshmen year from participants in a student success intiative, WKU Freshmen Guided Pathway (FGP). This cohort of first-time, full-time students who graduated from one of five high schools in Warren County represent the typical WKU freshman in terms of academic achievement prior to admission and their demographic makeup.
HAD Artist Collective Murals
- Location: Kentucky Museum Courtyard
- Time: 9:00am - 4:00pm
Anel Lepić and Muhamed "Hamo" Bešlagic, two HAD Collective artists from Bosnia, carved murals in the Kentucky Museum courtyard.
Highbrow, Patrick Dougherty Sculpture
- Location: Kentucky Museum Front Lawn
- Time: 9:00am - 4:00pm
WKU's Cultural Enhancement Series and the Kentucky Museum host award winning artist Patrick Dougherty in October 2018 on WKU's campus in Bowling Green, Ky. Dougherty created Highbrow, a sculpture made from intertwined tree saplings, on the Museum's front lawn.
Jacqui Lubbers: A Legacy in Weaving
- Location: Richardson Quilt Gallery
- Time: 9:00am - 4:00pm
Jacqui Lubbers is a part-time weaving and art appreciation instructor in the WKU Art Department.
Process Oriented Works
- Location: Kentucky Museum - Kentucky Room
- Time: 9:00am - 4:00pm
Out of the Box
- Location: Community Gallery
- Time: All Day
In 2019, the Kentucky Building celebrates 80 years of showcasing South Central Kentucky's unique culture and heritage. In honor of this milestone, the Kentucky Museum presents Out of the Box, an exhibition focused on fostering multidisciplinary discussions about our collective heritage while shining new light on the relevance of our museum in the 21st century.
Using local historical artifacts, photos, and records, we invite you to discover how every object tells multiple stories. Themes and stories are curated in partnership with faculty from 9 WKU departments
Gallery Exhibit: Our World Burning
- Location: JRH Gallery
- Time: 9:00am - 4:00pm
As deadly wildfires globally increase in number and severity, residents of fire-prone areas are finding themselves on the frontline of these historic and potential climate-changing events. This exhibition of over 50 images and a documentary film from recent California fire seasons, come together in this body of work from nine critically-acclaimed photojournalists and explores the ramifications these fires can have and reveal the pain, suffering and all-encompassing loss the victims endure.
Free and open to the public.
Hall of Distinguished Alumni Luncheon and Induction Ceremony
- Location: Sloan Convention Center, 1021 Wilkinson Trace
- Time: 11:00am - 1:00pm
Hall of Distinguished Alumni Luncheon and Induction Ceremony
Presented by Franklin Bank & Trust Company
The 2019 inductees are Scott Applewhite, Shirley Gray, and Dixie Snider.
For ticket information, visit alumni.wku.edu/hoda19.
Honors walk-in advising
- Location: TBA
- Time: 11:00am - 1:00pm
Open advising to all Honors students
NPHC Step Show Ticket Sale
- Location: DSU 1st Floor
- Time: 12:00pm - 3:00pm
Advance tickets for the Step Show are available for $12. Cash and card are accepted. Tickets are $15 at the door. The NPHC Step Show will take place on Friday, October 18th in Van Meter.
Professional Writing Alumni Panel
- Location: CH 125
- Time: 1:50pm - 2:50pm
This PW panel is comprised of experienced PW graduates. There will be a casual reception following.
2019 WKU Hall of Distinguished Alumni Luncheon
- Location: OCH Auditorium
- Time: 2:30pm - 3:30pm
Luncheon honoring Hall of Distinguished Alumni inductees
Three Wolves Howling (Theatre for Young Audiences)
- Location: Lab Theatre, Gordon Wilson Hall
- Time: 4:00pm - 5:00pm
by Jarred M. Corona
When siblings Ezra and Wisteria set out to restore Wolf Prince Caon to the Forest Throne, they run into bunnies and bears and kings, oh my! Come laugh and cry with us as we howl at the moon in this original fairy tale musical. Awoo! Suitable for all ages. Sponsored by Service One Credit Union.
Ages 12 & under $3
Adults $6
Homecoming Parade
- Location: WKU Campus
- Time: 5:00pm - 6:30pm
Homecoming Parade
"Decades of Spirit"
Presented by Midtown
NEW ROUTE FOR 2019: The Parade begins at the intersection of College Heights Blvd and State Street, across from Hardin Planetarium. The parade route travels down State Street to Fountain Square Park, up College Street and ends at Cherry Hall. For information on entering the parade, visit alumni.wku.edu/hcparade19.
BG Gallery Hop @ Kentucky Museum
- Location: Kentucky Museum
- Time: 5:00pm - 8:00pm
Kentucky Museum is open to the public extended hours during the BG Gallery Hop.
Big Red's Roar 2019
- Location: Cherry Hall
- Time: 6:30pm - 8:00pm
Big Red's Roar 2019
Following the Parade, be entertained by the Hilltoppers' biggest cheerleaders – The WKU Student Body! The annual Homecoming Pep Rally will get everyone geared up for Saturday's Homecoming victory!
WKU National Pan-Hellenic Council Step Show
- Location: Van Meter Auditorium
- Time: 7:30pm
Campus and community members are welcome to attend the annual NPHC Step Show which will feature WKU's historically black fraternities and sororities. The annual step show celebrates the history and traditions of each organization all in a competition where a portion of the money raised provides WKU scholarships. All are welcome to attend. Tickets are available for pre-sale at $12 in Downing Student Union on select dates and $15 on the day of the show. For more information follow @wku_nphc on Instagram.
NPHC: Step Show
- Location: VMH - VMH 0108
- Time: 7:30pm - 11:00pm
BEAC Meeting
- Location: TBD
- Time: All Day
Homecoming Weekend
- Time: All Day
Some of the links on this page may require additional software to view.


text:
When Caroline Link's Nowhere in Africa won an Oscar for Best Foreign Language Film in 2003, it ushered in a new era of visibility and vitality for German cinema. Now the director returns to the domain of the family, with its jagged terrain of loss and liberty. An enigmatic son has been the center of his mother's life, and the source of his older sister's angst. His untimely death opens deep rifts, which an artist attempts to navigate via a commissioned portrait of the siblings. The creation of the painting ignites passions, exposes loyalties, and ultimately offers the promise of a new beginning.
Organized by Rajendra Roy, The Celeste Bartos Chief Curator of Film. Thanks to IFC Films.


text:
Really beautiful new album from Berlin's Clara Hill...pitched somewhere between Schneider TM (who plays guitar on one track) and My Bloody Valentine. (Which is to say, it's electronically based, but has some very interesting wall-of-sound elements.)
This is maybe the most acoustic and song-like of the album's tracks, with the most overt vocals
This one's a bit rowdier and shoe-gazier. (Erg, shoe-gazier!)
If you're looking for more about Clara Hill, the Quietus -- fast becoming my favorite source for background on emerging artists -- just published a long interview.
Thursday, November 14, 2013
Clara Hill's Walk the Distance
Posted by jenniferpkelly at 5:46 AM
Labels: Clara Hill
No comments:
Subscribe to: Post Comments (Atom)


text:
I understood so little, I didn't see the truth;
will I ever know what I didn't in my misspent youth?
Nowdays when I see and I read from there
there's new meanings and reasons to care.
The music of madness, the Prophet's line,
held hid in them deep, so many a sign.
The meaninglessness of misspent youth,
hiding from me so much of the truth.


text:
#513 3050 Dayanee Springs Boulvard, Coquitlam, BC
I just finished uploading this CONDO for sale, #513 3050 Dayanee Springs Boulvard, Coquitlam, BC
Great location near Coquitlam Centre! Bridges built by Polygon, 3 bedrooms & 2 bath, spacious open floor plan, gourmet kitchens with granite countertops, sleek stainless appliances, electric fireplace. Enjoy walking to Lafarge Lake, sports centres or relaxing at Exclusive 7,500 sqft clubhouse. Fantastic amenities: Complex includes guest suite, pool/jacuzzi, sauna, gym, movie theatre, lounge, dog grooming area, playground, indoor hockey gym & more. Walk to transit, Douglas College & Pinetree Secondary, Community Centre. Walking distance to Evergreen Skytrain station. Don't miss out to have this fabulous unit!


text:
Nothing is a better centerpiece for your landscaping project than beautiful stone walkway and water feature. Rock Shop carries a wide selection of various rocks, ensuring that you have the perfect look for your stone walk.
At Rock Shop, we have all the materials to help you create a water feature in your home or yard, including all the mulches, barks and soils you'll need to top-dress it beautifully.
Whether you're looking for a pre-formed pond, do-it-yourself waterfall, or the chemicals to keep your water clean, we offer a complete selection of products to help you create your perfect aqua-ecosystem. Though it may seem like an intimidating project, our knowledgeable staff will walk you through all the necessary steps and supplies to ensure you install your pond or waterfall successfully!


text:
The biggest question mark for the Rays entering the season was the bullpen. A group that was the best in the American League in 2010, Andrew Friedman was tasked with executing a complete overhaul this year.
After the defections of key contributors such as Rafael Soriano and Joaquin Benoit, this year's group is almost entirely new. Of the 87 innings thrown by the bullpen this season, only 19.1 innings have been by pitchers that were with the Rays a year ago. And one of those pitchers (Jake McGee) spent most of 2010 in the minors.
But so far in 2011, this year's crop of relievers does have something in common with the 2010 group: they lead the AL in ERA.
So are the questions now answered? Has Friedman and Co. performed their typical miracle work with the bullpen? Or is it too much to think this group can keep it up all season?
Let's look beyond ERA and compare the 2011 bullpen to the 2010 incarnation…
If we look at the 2010 group, we see that they were in the top 3 of just about every key statistic for pitchers. The most important numbers might be Fielding Independent Pitching (FIP) and Expected FIP (xFIP) which give a more accurate representation than ERA of how well a pitcher pitched.
FIP attempts to remove factors such as park and how good a pitcher's defense is. xFIP takes it a step further by eliminating home run rates which can fluctuate greatly.
But if we look at how the 2011 bullpen has performed so far (very well on the surface) we do see some red flags.
First of all, the bullpen's xFIP is almost two full runs higher than the ERA. Why? Because they aren't giving up any home runs. So far in 2011, only 3.8 percent of flyballs off of relievers are leaving the ballpark. That is the third best rate in baseball and suggests that they have been lucky so far. In 2010, the bullpen's home run per flyball rate (HR/FB) was closer to the league average which is why the 2010 xFIP and ERA were similar.
In other words, the 2010 bullpen led the league in ERA and it was an accurate depiction of how well they pitched. The 2011 group may not be as good as their ERA suggests.
We can also look at the strikeout and walk rates. This season, the relievers are last in strikeouts per 9 inning (K/9), almost 2.5 fewer per 9 innings than last year. And the walks per 9 innings (BB/9) are up. After leading the AL in strikeout-to-walk ratio (K:BB) a year ago, the bullpen has to dropped all the way to tenth.
And why are pitchers striking out fewer batters? Because their stuff just isn't as good. A good measure of how good a pitcher's "stuff" is, is by looking at how often batters swing and miss (SwStr%). Last year relievers were second in the AL. This year they have fallen all the way to eighth.
Finally, the bullpen's Batting Average on Balls in Play (BABIP) is a very low .228. So far, opponents are hitting line drives 16.2 percent of the time. That means the Rays' BABIP should be closer to .282. Is that luck? Or a sign that the Rays defense is capable of taking away hits even on hard-hit balls? Maybe a little of both?
So far the bullpen has been great. Just like their 2010 counterparts, they lead the AL in ERA. But this group is just not as good. They throw fewer strikeouts, they walk more, and they haven't given up as many home runs as they probably should have.
The good news is they are pitching fewer innings this season thanks to solid starting pitching. This may allow the bullpen to pitch above their ability since they are being given more rest and are less likely to pitch while fatigued.
But if the Rays become more dependent on the bullpen, don't be surprised if this group starts to regress a little. They will start to give up more home runs and the ERA will start to rise.
With the 2011 bullpen, it is "so far, so good." But be careful. So far that has included a certain level of good fortune.


text:
It's All About Jesus!
Spirit of Prophecy Bulletin
SMALL STRAWS IN A SOFT WIND by Marsha Burns — 4/27/11:
In a vision I saw myself standing in the middle of a bridge, and there was a strange sensation attached to being in that position. It was as though I had been disconnected or separated from the familiarity in which I find and maintain comfort. So, feeling out of pocket, I asked the Lord what this was about. This is what He said: "You are again in transition spiritually from where you have been established to the place where I will re-establish you. I am bringing you to a position of greater and tangible faith where you will be more available to the moving of My Spirit. Stay alert and do nothing apart from My leading,"
Psalms 119:133 Direct my steps by Your word, and let no iniquity have dominion over me.
One may have read the Spirit of Prophecy Bulletin for today. One may have been encouraged. Thank You Jesus!
One may not have completed one's prayer time with the Lord today. This prophecy may have come true in one's life. One may be waiting on Jesus. Thank You Jesus.
Filed under: Jesus Christ | Tagged: Disconnected, Do Nothing Apart From My Leading, Established, Faith, Familiarity, Feeling Out Of Pocket, Greater, Lord, Maintain Comfort, Middle Of The Bridge, More Available, Moving, My Spirit, Place, Position, Re-Established, Separated, Spiritually, Standing, Stay Alert, Strange Sensation, Tangible, Transition, Vision, Where | Comments Off on Do Nothing Apart From My Leading


text:
New logo and branding for Fenland rail partnership
It is full steam ahead for the future of community rail in Fenland after a community partnership has been relaunched with a new logo and branding.
The Hereward Community Rail Partnership (CRP), whose aim it is to bring communities together to improve and promote the local Hereward railway line, began a new chapter following a special relaunch event on Wednesday, February 6.
The logo and rebranding project comes almost seven years after the launch of the Hereward CRP and has been funded by CrossCountry's Community Engagement Fund.
CRP partners Fenland District Council, and train operators CrossCountry, East Midlands Trains and Greater Anglia joined with other steering group members, volunteers and local organisations to unveil the new Hereward CRP logo and suite of new promotional materials.
They then travelled along the Hereward Line to Leicester, Cambridge, Ipswich and Norwich to share CRP information and their ideas for future development with passengers.
March-based graphic design firm, Fine Designs Ltd, was commissioned to create three logo designs and members of the public voted for their favourite via an online poll late last year.
Councillor David Oliver, Fenland District Council's portfolio holder for transport, said: "These are really exciting times with ongoing investment in our Hereward Line stations at March, Manea and Whittlesey, so it's great to have a new logo and brand identity for the Hereward Community Rail Partnership.
"The new logo and marketing materials will help us become more identifiable with our customers and support the work we are doing to promote rail travel in the Fens."
Richard Gibson, CrossCountry's head of communications, said: "A strong identity is important for any organisation wanting to be remembered by its customers, and this new logo will make it easier for everyone to recognise the benefits being delivered for rail users across Fenland."
A new Hereward CRP website is also in the pipeline.
Councillor Virginia Bucknor, who covers the Waterlees ward in Wisbech, posed the question whether Wisbech could also be an extension of the partnership.
Campaigners have called for a rail link between Wisbech and March for years.
Cllr Bucknor said: "How many millions on consultants have already been spent considering Wisbech rail?
"Wisbech could surely be an extension of this partnership - surely?"
Find out more about the CRP at www.fenland.gov.uk/herewardcrp. Alternatively, contact 01354 654321 or email email@example.com for more information.
If you value what this story gives you, please consider supporting the Cambs Times. Click the link in the orange box above for details.


text:
1 out of 10
8 out of 10
3 out of 10
40 minutes
At the school
Open file
"What's a DAVM?" Report Response
"What's a Grigard reaction?" Report Response
"Do I know about the situation in Myamar?" Report Response
"Whats a gringard reaction?" Report Response
"Reviewed SDN, Some research I did in Undergrad" Report Response
"The schools Matches well and scores above national average on Step 1" Report Response
"Location" Report Response
"No where to grab breakfast before hand" Report Response
"School is simple and straight forward, the interview was very laid back and fun. Got along very well with everyone else in the waiting room." Report Response
4 out of 10
In state
2-3 hours
< $100
Friends or family
5 out of 10
3 out of 10
1 out of 10
2 out of 10
Browse all Questions & Responses


text:
Flagship Journals
Resources For
The Wakefield Family Collection
Size: 3 cubic feet
Edmund Burritt Wakefield (1846 - 1921)
This collection consists of the personal correspondence to and from Edmund Burritt Wakefield from his student days at Hiram College, through his Civil War experiences, the Hayden Yellowstone expedition, his family life, as well as professional writings and correspondence. The photograph of E.B. Wakefield accompanying this finding aid has been donated to the Hiram College Archives by his granddaughter, Martha Wakefield Falcone, daughter of Arthur Paul and Olive Lindsay Wakefield.
Edmund Burritt Wakefield was born in Greensburg, Ohio on August 27, 1846. He was the son of Edwin and Mary Payne (Churchill) Wakefield. His father was an early Disciples of Christ minister. Wakefield entered Hiram in 1863 where he studied under Harvey W. Everest, J.H. Rhodes and Almeda Booth. At the close of the 1863-1864 school year, 18 year old E. B. Wakefield enlisted in the Army as a private in Co. G. 177th Ohio Infantry and served with the 23rd Army Corps in Tennessee and North Carolina until the end of the Civil War.
After the Civil war, he attended Bethany College in West Virginia in1868-1869, returning to Hiram College to graduate in 1870 with an A.B. degree. With further studies, he earned an A.M. degree in 1873.
In 1870, Wakefield married Martha (Mattie) Sheldon of Aurora. They had four children, Edwin F., Albert Sheldon, Arthur Paul and Cornelia. In 1872, Wakefield served one season on the U.S. Geological Survey team under the leadership of Dr. Ferdinand V. Hayden. This was the famous Hayden survey which is regarded as the most definitive of all Yellowstone expeditions and culminated in the lands of Yellowstone being designated in 1872 as the world's first National Park.
Wakefield taught at Hiram for two years as Professor of Natural Science before serving in North Bloomfield, North Bristol and Warren, Ohio for the next seventeen years as a pastor in Disciples of Christ congregations. In 1890, Wakefield returned to Hiram as professor of Political Science and Bible Theology. Between 1903-1905, Professor Wakefield served as Acting President of the college. A much loved figure on campus, upon his retirement in 1910, he was awarded the rank of Professor Emeritus. He continued to reside in Hiram until his death in 1921.
Wakefield Correspondence:
Section 1 (8 Folders):
Notebooks and papers written by E.B. Wakefield while at Hiram College. E.B. Wakefield's letters
to family from Hiram (2 mentioning Garfield), dated 8/16/1863-5/12/1867. Letters contain references
to Hiram policy and teachers. Letters to family from Bethany College, dated 11/15/1868-7/26/1871.
Letters contain references to Bethany policy.
Section 2 (5 Folders):
Civil War memoirs, 9/1/1863-7/16/1865. Contains letters home that describe battle scenarios
and conditions, as well as location. Also contains "The Art of Composition," "Life in the Triplin Army
Hospital, Columbus," "War Memoirs of North Carolina." Reunion programs, 177th OVI: 1887,1905.
"Living Over a Lost Cause," address at 17th OVI reunion, 1909.
Section 3 (5 Folders):
Letters from the West (U.S. Geological Survey, 1872): "Yellowstone in ''72," and "Up the
Yellowstone." Also contains "Hayden in Wonderland: Exploring Yellowstone," 1989.
Section 4 (44 Folders):
Letters of E.B. Wakefield to and from Martha (Mattie) Sheldon, 8/24/1867-7/17/1912. Love letters,
discussion of E.B.W.'s future, and Hiram College. Folder also contains "Burt and Mattie: A Hiram Love
Story," English Seminar, March, 1985.
Section 5 (56 Folders):
General family correspondences (Burt and Mattie), 1/3/1867-12/6/1921. References to family events and
concerns, Hiram College.
Section 6 (27 Folders):
Letters to and from Paul and Olive Lindsay Wakefield, 1/3/1882-12/6/1921. References to fashions in
NY in 1894, E.B.W.'s activities with the Disciples of Christ and Hiram College, Paul's marriage to Olive
Lindsay, Vachel Lindsay, Paul as a missionary in China and American-Chinese relations at the time, and
birth of children. Also in this folder are "Annual Announcements" from 1901-1904 from Rush Medical College.
Section 7 (19 Folders):
Letters to and from Al and Susie Wakefield, 1/26/1894-2/7/1910. References to life in northeastern OH.
Section 8 (28 Folders):
Letters to and from Ted (Edwin F.) and Marcia Wakefield, 12/23/1882-6/19/1919. Descriptions of
Boston, Maine, policies at Hiram College and Michigan State U., and E.B.W.'s activities with the Disciples of Christ.
Section 9 (24 Folders):
Letters to and from Cornelia Wakefield and Walter Robinson, 1/16/1896-6/21/1914. Descriptions of life in Missouri.
Section 10 (11 Folders):
Miscellaneous Hiram College related papers from 1881-1910. Includes letters from EBW to Hiram
College Administration and Faculty, ministerial requests, student applications, grade reports, faculty
applications, college speakers, church-related activities, diploma requests, graduation requirements, and student policies.
Section 11 (61 Folders):
Letters to and from E.B.W. Also included are class assignments, correspondences (both business and
personal), dealings with suppliers, board members, lawsuit between Hiram College and Standard
Publishing Co. over catalogues, E.B.W.'s relationship with E.V. Zollers, Zollers' resignation, C.C.
Rowlison's presidency, faculty relations, college policies and enrollment, finances, E.B.W.'s term as Acting President.
Section 11A (10 Folders):
Lectures, "Normal School in Relation to Church and Home Life," and "The Place and Scope of the
College," and Sermons.
Section 12 (4 Folders):
Postcards, 6/25/1903-11/28/1917; supplement to Hiram Broadcaster, containing elegy on Wm. Dietz
'81 by Adelaide Rudolph '79; miscellaneous material on Harvard U.; genealogical memoir, c. 1896.
Section 13 (12 Folders):
Convention memorabilia, ordering catalogues, reports from Hiram College, announcements, cards, and
miscellaneous news clippings. Also contains a history of the collection and its donation to Hiram College
by Frederick Henry; genealogy of Wakefield Family by Amy Rice, granddaughter of E.B.W.
Section 14:
Section 15 (1 Folder)
Material relating to Vachel Lindsay Wakefield, donated by his sister Catharine Wakefield Ward, 2/1998.
Includes papers relating to his work at Iolani School in Hawaii, M.A. thesis for U. of Main: "East Corinth
Academy, 184301940," memorials.
See also: WAKEFIELD, EDMUND BURRITT in Hiram Author Catalogue.
Research Toolkit


text:
Angie's List Answers is the trusted spot to ask home improvement and health questions and get answers from service companies, health providers and consumers. For ratings and reviews on companies in your area, search Angie's List.
*Updates every 4 hours
My house was built in 1992 and some of the wood on the base of two of my front windows has wood rot. I have been told by two companies to replace the entire window...estimates have ranged as high as $20,000.
Are the windows themselves wood? If so you probably will be better off with new windows. Even that seems high for 2 windows unless you have customized/specialty windows but I can't imagine what you'd have that will cost that much. An entire house worth of windows, sure, but for only 2, no.
If the windows are aluminum or vinyl (more likely) they may have to be removed to have rotten framing replaces and then reinstalled. In this case you might consider replacing the windows for more efficient units but that isn't necessary required. If it is just the trim that is rotten the windows don't need to be removed at all.
Todd Shell
Todd's Home Services
San Antonio, TX
Answered 7 years ago
by Todd's Home Services
Report It
As usual, Todd Shell's advice is on the mark.
If wood trim on a metal, vinyl or fiberglass window probably VERY easy to fix - usually the only wood on them is just facade pieces nailed on after the window is in place - so just a matter of pulling themm off, priming and painting new ones, putting them after dry, and putting on a second finish coat of trim paint.
If all-wood frame (except for the metal insert actually holding the glass): If you are talking the window sill or ledger below the window, those can fairly easily be replaced without taking out the window. If only the front portion is rotten, it may be possible to just cut that off and splice on a replacement front piece - maybe an hour or two work. If full replacement of sill piece is necessary - while this would be a one-hour job max in new construction with the window unit out, but since care has to be taken in getting it out in-place without damaging the window unit itself, I would estimate probably 6 hours for 2 windows, including pre-priming and painting the wood and coming back another day for a second coat. Might well take only about 3 hours. Probably about $50 materials - wood casing material and paint.
Even if rot has gotten beyond the sill and into the stile (vertical side piece), unless it is real bad the outer casing on the window can commonly be replaced, though that does mean removing the window unit - so a 6-8 hour estimate might apply there, plus maybe $50-100 in materials. If it got into the wood siding a bit, you can consider cutting back the damaged area if it is not wide and replacing it with a wide accent wood trim, making sure ice and watershield, flashing and caulking are done properly around and behind the expanded window area.
A finish carpenter or window installation company should be able to do the job for you. I don't know that I would trust a handyman with this - if he breaks the window seal or glass you could be into unnecessarily big bucks, assuming these are typical living room type windows. Labor cost probably about $50-125/hour, usually about $75.
A new pair of windows does not cost $20,000 - someone is trying to rip you off - even whole-house window replacement very rarely gets that high for a normal sized house - and that with triple-pane high-efficiency units. Normal size house full-window replacement typically runs $3-8,000.
Relevant to your case - we just had a neighbor put in a new front window unit - about 5' highx6' wide main glass plus two integral about 1x5 foot opening casement sidelights for total about 9' wide x 7' high outer frame dimension onthe full unit - under $3000 installed and matching trim prepainted, and this is a very high cost area.
Answered 7 years ago
by LCD


text:
Tag Archives: hedbanz game
Hedbanz Games
Hedbanz Game Hedbanz Games are popular games for kids, adults and family game night. Hedbandz by Spin Master is an easy to play game. You wear a band on your head that holds a card with a picture and the … Continue reading
Posted in Board Games, Games, Top Christmas Presents Tagged Disney, games for kids, hedbanz, hedbanz game Leave a comment


text:
The war in Iraq is the worst ever for journalists and could spell the end of the "independent witnessing of war", veteran war reporters and experts have claimed.
Twelve journalists have died in the conflict so far. Yesterday a Spanish TV cameraman and a Reuters cameraman were killed when US troops fired on the Palestine Hotel in Baghdad and an al-Jazeera cameraman died when a bomb hit the TV station's office in the city.
Abu Dhabi TV was also hit, which means the US forces have attacked all the main western and Arab media headquarters in the space of just one day.
Four others were wounded in the attack on the hotel - the base for most of the western media in the Iraqi capital - and many other media workers have been injured or gone missing throughout Iraq.
"As we all feared, this conflict has become the worst ever for our profession. Each and every day journalists and media professionals are being killed and injured at an alarming rate," said Chris Cramer, the president of CNN International Networks and the honorary president of the International News Safety Institute.
"Unlike the military, they are all there voluntarily and I hope the public appreciate the risks they're taking to cover the crisis."
Former BBC war correspondent Martin Bell warned the conflict could be the most dangerous yet for journalists.
"I think it's very worrying that independent witnessing of war is becoming increasingly dangerous and this may be the end of it," Bell said.
"I have a feeling that independent journalists have become a target because the management of the information war has become a higher priority than ever."
Another senior BBC journalist, who preferred not to be named, said he was alarmed that the Pentagon did not seem to pay heed to information they had been given by al-Jazeera and every other TV organisation based in the capital.
"I know al-Jazeera gave the Pentagon all their GPS [global positioning system] co-ordinates. It was in a different part of town to the Palestine Hotel and my sources at al-Jazeera are saying the attitude of the Pentagon seemed to be 'maybe we'll take your details'," the journalist said.
The Pentagon's claim that US troops fired at the Palestine Hotel in response to sniper fire has been greeted with incredulity by reporters on the ground, including Sky News' David Chater, and at central command in Qatar.
However, Bell said that for the time being the Americans should be given "the benefit of the doubt".
"I would like to believe this was just a mistake and the Americans did indeed shoot because they believed the building was occupied by snipers," he said.
Andrew Kane, the managing director of AKE Group, which provides safety training to journalists from the BBC and others, said: "It's probably the fastest moving conflict in history. I think it poses bigger problems for journalists because by definition they have to move quickly.
"By the very nature of conflict the very best it can be is organised chaos.
"If you think of the number of friendly fire incidents there have been - bearing in mind that everything that can be done is being done to reduce friendly fire - the fact that innocent people get caught up in it is not unexpected.
"Our advice to media organisations would be to think about where the journalists are positioning themselves in the chaotic centre of the conflict and try to think how they could be perceived by those on the other side."
Owing to the indiscriminate nature of weaponry, journalists should not assume they are safe because they have "press" written on their jackets, Kane said.
"The important thing for the media to do is to dissect and analyse each incident to determine if it could have been a genuine accident - was there any malicious intent, are there lessons to be learned? To walk away from it is not the answer."
Kane said part of the problem is the impression created by politicians that war could be waged with hardly any civilian casualties.
"This is probably the fault of politicians in previous conflicts. Before the Kosovo campaign they almost encouraged the view that you can have a bloodless war," Kane said.
"The military has gone to extraordinary lengths to minimise civilian casualties, probably to the detriment of military operations, yet there are still civilian casualties.
"Because of the idea of a bloodless war people are railing against it. However, in reality the number of civilian casualties is miniscule compared with previous conflicts."
A spokesman for the Ministry of Defence said all wars were dangerous for reporters and insisted journalists have not been targeted by the military.
"Any war is going to be dangerous but it depends where you are and what you're doing. All wars use a lethal level of force but journalists are certainly not a target. We would only ever pick specific military targets," he said.
"The level of access afforded to journalists is greater than ever before. But in terms of saying Iraq's the most dangerous war - how do you quantify that? You can't. There are more journalists covering this conflict with greater access than ever.
"No one's directly targeting them but they've been very, very close to a lot of the action. We would always do our best to afford every protection to embedded journalists."


text:
September Summer Holidays and Late availability
Even though the summer season approaches its end and you might turn to be sad since you have not enjoyed your beach vacation yet, we would like to tell you that you should not be concerted a lot, because you can always have a great holiday experience in September.
Off-season and low-season summer vacations are usually much more funny, as crowds are smaller, beaches are not packed with holidaymakers, bars and restaurants tend to offer discounts, and you can actually admire at the spectacular sceneries without being disturbed. In essence, booking a last minute deal for a summer holiday in September gives you the chance to enjoy your free time in peace. So you would ask why I strongly recommend you to think about a holiday in September? One of the major reasons is that September is a warm month and yet it is not as hot as August, so you should not worry about the summer heat and you can spend every single minute at the beach without exposing yourself to the dangerous sunrays. Yes, thats true September sun would grant you with a healthy suntan and you will not compromise the health of your skin.
Apart from benefiting from the favourable weather in September, you should have in mind that September is the right month to squeeze every last drop out of the lovely summer and get some September sunshine. No need to say that amazing savings are available for holidays in September. Simply search all destinations and consider all advantages and disadvantages which a particular summer holiday venue might have in order to determine what suits you best. By searching and planning in the last minute you might be able to get great offers for your beach holiday. If you choose and book a holiday in September, you wont deal with the crowds that are usually seen in August. Do you remember your summer vacation in Sunny Beach last August? I am sure that you will remember the streets packed with people and the lack of room at the beach.
Summer holidays are the best time of the year, because people tend to go with their families to the seaside and spend some unforgettable moments together. Thus, the total price of the vacation, all entertainment options and attractions, exclusive benefits and incidental expenses are the main considerations for people who arrange a family summer vacation. In this relation, all exclusive offers that apply to the low summer season may save some time and money, because family packages and All Inclusive Deals are usually offered at unbeatable prices in September. Moreover, packages get you covered, because everything is arranged for you and hence you avoid the usual headache caused by travel arrangements, as well as the stressful holiday plan.
The ultimate summer holiday destination might be just a few miles away, so you should not ignore a single hot offer this September. You dont need to worry for looking for September holidays, because late availability deals are guaranteed. Wed bet that you will find great offers at the best price for your summer holiday this September.
Of course, being on a summer holiday in the low season has its drawbacks, too. For instance, beach parties may not be so funny and noisy, and the overall atmosphere in the respective summer resort may not be so energetic. Well, you know that students, families and pensioners are the biggest group of holidaymakers in September and therefore its logical that the holiday atmosphere is a bit different from the craze in August.
With a wide variety of late summer sun holidays on offer, relaxing or vigourous resorts at Bulgarias seaside, you will turn the ordinary September vacation into a great summer sun holiday that creates lifetime memories.
Searching for your ideal holiday this September? Now we offer a great range of summer holiday venue and late availability options, so we ensure that you'll not have to search too long before finding your perfect beach holiday inspiration.
Book your flight to Bulgaria at great prices
Late availability, great beach offers, discounts on September vacations
September holiday at Pomorie beach and SPA resort


text:
The strawberries season has officially started here, though this cake was not the perfect way to start it. You could probably hear from my tone that this cake was not the greatest hit. Don`t get me wrong here, it was tasty, but it didn`t have that extra something, that makes a good cake wonderful.
I`m guessing that this cake may not be practical for those of you who live outside of Israel, since this cake is made with soft white cheese (or as we call it- "Gvina Levana", simply meaning- white cheese). This cheese has low fat percentage, and is relatively light in texture. If you happen to know the exact name of this cheese in the US, please let me know.
If you are planning of making this one, I have two tips to make it better. First, use less gelatin the suggested in the recipe, I found that the cake was too firm. I would probably use about one envelope of gelatin instead of one and a half. The second tip is to add a bit more flavor to the filling, I used vanilla bean, but you could put some good vanilla extract or even lemon zest.


text:
$5.99 $9.99
By Edward McClelland
Find out what Midwesterners say as well as how and why they say it. In this book on Midwestern speech and slang, McClelland examines the causes of the Northern Cities Vowel Shift, one of the most significant changes in English pronunciation in a thousand years. It explains why the accents in Fargo miss the nasality that's a hallmark of Minnesota speech, and why Chicagoans talk more like people from Buffalo than their next-door neighbors in Wisconsin. For outsiders, McClelland includes helpful chapters such as "'Well, That's Different': How to Passive-Aggressively Criticize People, Places and Things." Includes extensive glossaries of Midwestern sayings.
Praise for How to Speak Midwestern:
"A dictionary wrapped in some serious dialectology inside a gift book trailing a serious whiff of Relevance." New York Times
"A delightful romp through the dialects and vocabulary of the region." Lansing City Pulse
Edward McClelland is the author of Young Mr. Obama: Chicago and the Making of a Black President and Nothin' But Blue Skies: The Heyday, Hard Times and Hopes of America's Industrial Heartland.
See also:
For the Proud Midwesterner Bundle
Sign up for our newsletter and receive 15% off your first order! Use BELT15 at checkout.


text:
13.58mm x 13.58mm / 0.535in. x 0.535in.
Style #0200
mpn: 10020010000
Cute as a Button Charm
Cute as a Button Charm by Rembrandt Charms. The width is 1/2 of an inch. Let them know their new baby is adorable with the Cute as a Button Charm. This charm is a perfect gift for any new mom.
The button charm can be placed on a necklace or will be a wonderful addition to a Charm Bracelet. All Rembrandt Charms are available in either silver or gold.
(FUN FACTS: "Functional buttons with buttonholes for fastening or closing clothes appeared first in Germany in the 13th century".)
14K White Gold $273.00
Engraving for Item {{$index + 1}} (Remove)
Front Engraving Letter Type
Back Engraving Letter Type
Engraving Fee:
{{product.EngravingFee | currency:"$":2}}
Alternate Metals Available:


text:
Arizona emcee Sincerely Collins dropped an unexpected but fascinating collab recently with "Limelight," featuring Troy Ave, Reo Cragun, and Roscoe Dash. It's now his album release week, and before The Legend of the Phoenix drops on Friday, he's decided to share "Better Different Intro."
The song is an immersive blend of jazzy instrumentation, electronic flourishes, and most importantly, gripping storytelling from Collins. He starts the song singing as if it were a trap anthem, though with the 808s swapped for heavy washes of sax and piano, the combination is surprisingly powerful. The real movie begins when Collins starts rapping, as he takes listeners through the loss of his mother as well as all of the struggles and insecurities that have made him the artist he is now. He keeps his intensity level throughout his entire verse.
"Better Different Intro" slows into a lush instrumental interlude about halfway through the song, after which Collins lays down the meaning behind The Legend of the Phoenix with a looser verse that sums up all of the track's inspiration. The listener will feel familiarized with Collins after one listen, though remember, it's just an "Intro." The Legend of the Phoenix drops on Friday. Pre-order the album here.
Quotable Lyrics
Sippin', sippin' and drankin', just drankin' and sippin'
Like what do I gotta do to get motherfuckers to listen
As if that wasn't enough, I just got the news
I was 'bout to be a daddy, I don't know what to do


text:
Consumer class actions alleging that retailers are using deceptive comparison pricing tactics online and in stores are becoming increasingly common under state consumer protection statutes and common law causes of action.
In these cases, a retailer's success in making a motion to dismiss the action depends, in large part, on the jurisdiction in which the case is filed. The U.S. Court of Appeals for the First Circuit recently provided additional support for retailers operating under Massachusetts law by affirming the dismissal of two separate deceptive pricing class action complaints against national retailers Nordstrom and Kohl's. In its opinions, the court held that the Massachusetts Consumer Protection Act (MCPA) and Massachusetts common law require an identifiable injury beyond a plaintiff's subjective belief about the value the product he or she is purchasing.
The Complaints
The plaintiff in the Nordstrom action purchased a cardigan sweater from Nordstrom Rack for $49.97. The tag on the sweater showed an "original" or "Compare At" price of $218.00. The plaintiff in the Kohl's action purchased two items, one with a sale price of $29.99 and a "Compare At" price of $55.00 and one with a sale price of $17.99 and a "Compare At" price of $26.00. Both of the complaints alleged that the "Compare At" prices on the items they purchased did not represent a bona fide price at which the items were previously offered or the prevailing market retail price for those items. Accordingly, the plaintiffs alleged that they had been deceived into making purchases that they would not have otherwise made, in violation of Massachusetts common law and the MCPA, which provides a private cause of action to any consumer who "has been injured" by "unfair or deceptive practices in the conduct of any trade or commerce."
The Decisions
The district court granted Nordstrom's and Kohl's motions to dismiss, holding that the plaintiffs had failed to state a claim under the MCPA because their "subjective belief that [they] did not receive a good value" for the discounted clothing did not constitute a legally cognizable injury. On appeal, the plaintiffs argued that the district court incorrectly applied the "injury" standard, and that they had in fact suffered a legally cognizable injury in that they were induced to make a purchase they would not have otherwise made. The First Circuit rejected that argument and affirmed the district court's judgment. Specifically, the First Circuit noted that the plaintiffs' argument unacceptably merged the harm requirement into the deceptive conduct itself. The First Circuit held that under Massachusetts law, a consumer must have an identifiable harm that is separate from the alleged deception (i.e., a plaintiff's alleged injury cannot merely be that he was deceived into making a purchase). The claims in the Nordstrom and Kohl's actions failed because they identified no injury traceable to the purchase itself (e.g., that the goods were poorly made or the materials were misrepresented). Accordingly, the First Circuit held that the plaintiffs did not suffer injury because they received everything they bargained for.
The First Circuit upheld the motions to dismiss the Nordstrom and Kohl's actions, citing state consumer protection law requirements that call for plaintiffs to prove actual, identifiable harm separate from the mere purchase of a good in order to claim damages. The decisions provide additional clarity for retailers who use "Compare At" pricing. Other courts have similarly interpreted several other states' consumer protection laws, including those in Massachusetts, New York, Florida, Illinois and Ohio, making it significantly more difficult for plaintiffs to state a claim under those laws. Importantly, many of these courts have left open the possibility that a plaintiff may adequately allege injury based on a "price premium" or actual overpayment theory. However, it is also important to note that several of California's consumer protection statutes have been liberally interpreted by courts, including on the issue of injury. For example, a leading California case on this topic stated that "when a consumer alleges that he would not have made the purchase but for the misrepresentation ... he has suffered an economic injury." There is also the possibility that the Federal Trade Commission or a state attorney general could bring a claim on behalf of consumers at large to address this issue. Therefore, even with the recent First Circuit opinion, it is still critical for retailers to review their pricing policies and disclosures both online and in their stores to avoid actions alleging that their pricing practices are deceptive.
Bottom Line
Recent decisions from the First Circuit reign in consumers' ability to bring actions alleging false advertising in retailers' "Compare At" pricing, unless a consumer can demonstrate actual, identifiable harm separate from the mere purchase of a good in order to claim damages. However, even with the recent First Circuit opinions, many courts have left open the possibility of alleging injury based on theories of overpayment or price premiums, and therefore it is still critical for retailers to review their pricing policies and disclosures both online and in their stores to avoid future actions alleging that their pricing practices are deceptive.
The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.


text:
Amanda Dillard
Articles written for the GLP list the source as Genetic Literacy Project. All other articles were written for the sources noted with excerpts provided by the GLP.
Viewpoint: 'Natural' is a feel-good label that can deceive us about the safety of medicine, beauty products and food
People believe that a host of items including foods, medicines, beauty products, cigarettes, lighting, and even causes of injuries are ...


text:
The American hero must triumph over
He wrote of his countryman Warren Harding:
Wright, who died in 1980, grew up in Martin's Ferry, Ohio, in the middle of
the Depression. He knew what hard times were in a factory town in
When I started reading him, thinking I might find something to sum up the
Trying to Pray
This time, I have left my body behind me, crying
Or this one, which could be thought of as a commentary on public events which were a lot like bad art:
Depressed by a Book of Bad Poetry, I Walk Toward an Unused Pasture and Invite the Insects to Join Me
Relieved, I let the book fall behind a stone.
His work can be found in "Above the River: The Complete Poems," published jointly by Farrar Straus Giroux and the University Press of New England.
(James Wright's "Trying to Pray" and "Depressed by a Book of Bad
Poetry, I Walk Toward an Unused Pasture and Invite the Insects to Join
Me" from "Above the River: The Complete Poems" 1990 by Anne Wright,
Wesleyan University Press. Used by permission of University Press of
New England. Originally printed in "The Branch Will Not Break," 1963,
Wesleyan University Press.)
Robert Hass, former U.S. poet laureate, is the author, most recently, of the collection "Sun Under Wood."
© Copyright 1998 The Washington Post Company
Back to the top