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"The Dylanologists" (Simon & Schuster), by David Kinney
A Bob Dylan obsession manifests itself in a variety of ways in "The Dylanologists: Adventures in the Land of Bob."
Dylan fans from around the world celebrate his May 24 birthday by converging on the northern Minnesota town of Hibbing, "the capital of the Land of Bob." They may stop for a burger and a beer at Zimmy's, the Dylan-themed bar and restaurant in the town that Robert Zimmerman fled more than 50 years ago before he took on a new identity and became arguably the most influential and enduring entertainer of his time.
For the more obsessed, such a pilgrimage is not nearly enough. Seeking a material link to their idol, they acquire pieces of the original windows of Dylan's home after its most recent owners replaced them. "It's like the four thousand relics of the true cross," one fan said. Another Dylan devotee bought Dylan's highchair and the home in Duluth where his family lived when he was born.
These Dylan enthusiasts, or Dylanologists, as Pulitzer Prize-winning journalist David Kinney calls them in his very readable and entertaining book, include artifact collectors, fans who attempt to record his concerts, scholars who look for hidden meaning in his songs and those who seek a personal connection with their hero by getting to the front of the house at concerts and trying to make eye contact with him.
Part of Dylan's mystique is his career-long refusal to communicate with fans about changes in his musical styles or the themes and lyrics of his songs. "What better way to build your following than to tell people to go away?" Kinney writes. "Dylan kept people off balance. He did the unexpected. He refused to explain himself."
His quest for privacy only fuels the efforts of the fascinating collection of Dylan fans who Kinney profiles with affection and gentle humor: Michelle Engert, who meticulously deciphered and transcribed the small red notebook containing barely legible phrases that would emerge as the lyrics of Dylan's much-acclaimed 1975 "Blood on the Tracks" album; Mitch Blank, a dedicated searcher for underground recordings of performances that might otherwise be lost forever; and Scott Warmuth, one of a cadre of Dylan scholars who search with academic rigor for lyrics that appear to have been borrowed from poetry, fiction or even Hollywood movies.
The best known Dylanologist — he is credited with coining the term — was A.J. Weberman, who in the late 1960s and early '70s famously sifted through the garbage bins outside Dylan's Greenwich Village house in search of clues to a secret code allegedly hidden in the singer's lyrics. Weberman went on to comb through the trash of Jackie Onassis, Henry Kissinger and Dustin Hoffman, among others.
For some Dylan fans, nothing tops the prospect of scoring a concert spot at the foot of the stage. But winding up "on the rail" means arriving the night before the show, waiting in line without sleep and swapping sharp words and elbows with others who have the same goal in mind. Kinney describes how it's done by going along with superfan Charlie Cicirella, who flies in from Cleveland to catch three successive nights of Dylan's performances at a club in New York's Hell's Kitchen, an odyssey that culminates in exhilaration and fatigue.
While there's no shortage of Dylan biographies or analyses of his work, "The Dylanologists" offers an interesting examination of Dylan's cultlike band of followers who seem to put their lives on hold while dedicating themselves to the performer and his music. Fans will certainly enjoy this book, but so, too, should readers who seek a fascinating examination of a strange subculture.


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WALNUT — Jan R. Monier, 49, of Walnut died Thursday, Jan. 24, 2013, at CGH Medical Center in Sterling.
Jan was born Dec. 28, 1963, the daughter of Harold E. "Mick" and Betty (Kessel) Payne. She was united in marriage to Donald S. "Don" Monier on Nov. 20, 1982, at St. John's Catholic Church in Walnut.
She worked for Clifton Gunderson LLC in Princeton for more than 20 years. Jan was a member of St. John's Catholic Church in Walnut and the Altar Rosary Society. Jan was a loyal supporter of Bureau Valley High School and BVHS athletics.
She is survived by her husband, Don of Walnut; two daughters, Kristie (Jeff) Cady and Hillary Monier, both of Walnut; two sons, Bradley (Tami) Monier of Geneseo and Jordan Monier of Walnut; her mother, Betty Payne of Walnut; four grandchildren, Owen Cady, and Shelby, Dani and Sidney Clary; three sisters, Joy (Dan) Hoffman of West Branch, Iowa, and Jill (Bruce) Gonigam and Julie (Kent) Mathew, both of Walnut; one brother, Jay (Melissa) Payne of Lisle; and numerous nieces and nephews.
She was preceded in death by her father and one brother, Jeff.
A Mass of Christian Burial will be at 10 a.m. Monday at St. John's Catholic Church, Walnut, with Father Thomas Shaw officiating. Burial will be in the Walnut Cemetery.
Visitation will be from 3 to 7 p.m. Sunday at the Garland Funeral Home in Walnut.
A memorial in her memory has been established to ALS (Amyotrophic Lateral Sclerosis), also known as Lou Gehrig's disease. Memorials can be sent to ALS TDI, 300 Technology Square, Suite 400, Cambridge, MA 02139.
Condolences may be left at www.garlandfuneralhome.com.
Jan Monier
WALNUT — Jan R. Monier, 49, of Walnut died Thursday, Jan. 24, 2013, at CGH Medical Center in Sterling.

subset: commoncrawl


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Khoya or mawa is a dairy product widely used in Indian cooking. This post covers – How to make mawa – 5 ways of making mawa at home.
How to make Khoya/mawa at home? This is a common question that is usually asked and searched. Well today I am sharing
5 6 ways to make mawa at home. Follow a step by step pictorial method below on how to make mawa – 5 ways of making mawa?
Traditionally khoya/mawa is prepared by evaporating milk and reducing it to its solid form. But at the same time with busy lifestyles and working families, I have come up with simple methods to prepare mawa at home without compromising the authenticity or taste. All the method shown below are pretty easy to make and you can have instant khoya ready in minutes.
RECIPE UPDATED – HOW TO MAKE MAWA FROM RICOTTA CHEESE IN MICROWAVE? – Shown Below
There are three types of Khoya –How to make mawa – 5 ways of making mawa
- Batti Khoya – Also known as batti ka khoya. Made in baati form and is a solid hard kind of khoya. In this type reduced milk is removed from fire and set into moulds. This khoya is used to prepare burfis and Ladoos. Example – Mawa method #3 shown below.
- Chikna Khoya – Also known as Daab ka khoya. This one is high in moisture content and sticky in consistency. This khoya is used to prepare Gulab Jamuns and Gajar ka halwa. Example – Mawa method #2 and #5 shown below.
- Danedaar Khoya – Also known as granular khoya. This Khoya is soft in texture and looks like curdled milk. The moisture content is in between baati ka khoya and Chikna khoya. This khoya is used to prepare Pedas and Ladoos. Example – Mawa method #1 and #4 shown below.
One way or the other I have used all the below mentioned homemade khoya/mawa in my cooking and all of them are great. Those of you who are struggling to find Khoya/mawa in your native town, try these easy methods and you will have your very own homemade Mawa/khoya in minutes.
Sweetened condensed milk mawa has a sweet taste. It adds a nice texture but gives a pale yellow color to mawa (pic above). So if are using this kind of mawa in a recipe – adjust the sugar content. Unsweetened mawa is white in color and rich in texture too. This festive season to give homemade mawa a try and enjoy your favorite sweets. 🙂
Follow a step by step guide below to make mawa in microwave. Mawa is ready in 7-8 minutes.
This festive season do give these methods a try and if you happen to make mawa using this recipe, then share your pics with me @facebook or tag me by using the hashtag #ruchiskitchen (one word) on social media. Would love to hear back from you!
Can't make it now, Pin it for laterDid you make this recipe?
Tag @Ruchiskitchen on
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With your pictures, I would love to see your yummy creations!


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Crab Meat & Portobello Mushroom Carpetbagger
|Seafood, Eggs, Mushrooms, Dairy
|Day Part
|Menu Part
|Appetizer/Small Plate
|Cuisine Type
Source: Recipe from Chef Mitchell Nicks
This crabmeat appetizer is worth the work for the raves it will elicit. Crab tops portobello circles and is then wrapped in bacon and baked. Served on a creamy wine sauce this is a flavorful delight.
8 very large portobello mushroom caps
1/2 cup xxtra virgin olive oil
2 tbs. Worcestershire Sauce
1 lb. crab meat
2 shallots, minced
1 tbs. flat leaf parsley, finely chopped
1/2 tbs. thyme, chopped
3 tbs. dijon mustard
2 cups heavy cream
3 whole eggs
1/2 cup unflavored breadcrumbs
1 1/2 - 2 ounces white truffle oil
4 ounces whole butter
8 slices Applewood Bacon
3 medium onions, chopped
1 cup veal (or dark fowl) stock
1 bouquet Garni
2 ounces Madeira
Salt and fresh ground pepper to taste
- Using a knife, gently grasp top skin of mushroom cap and pull from the outside to the center. Continue this method until all the skin is removed.
- Using a 3-inch ring cutter, cut each cap into equal circles. Reserve all excess. Combine olive oil with Worcestershire Sauce; brush the mixture liberally on each circle. Allow to set at least one hour. Lightly sauté in remaining olive oil mix on low heat. Chop remaining mushroom scraps and sauté in remaining olive oil mix until tender. Set aside to cool, and then spoon on top of eight of the mushroom circles.
- In a large pan, sauté shallots in 1 Tbs. butter until translucent. Add 1/2 cup cream and reduce by half. Remove from heat and add truffle oil, mustard and chopped herbs. Place mixture in a bowl. Allow to cool and add eggs and breadcrumbs, stirring until incorporated. Add crab meat and salt and pepper to taste. Mix gently, taking care not to break up the lumps of crab.
- Place one eighth of the crab mix on top of mushroom circles. Wrap each sandwich in a strip of Applewood Bacon and secure it with a toothpick. Refrigerate until needed.
- Melt half of remaining butter in medium sauce pan and add onions. Sauté until tender, then cover and reduce heat until the onions are deeply caramelized. Add stock and reduce by 2/3. Add remaining cream and Madeira; reduce by half.
- Place onion cream in blender and run until smooth. Strain and season.
- Place carpetbaggers in a preheated 400 degree oven and bake for 10 minutes.
- Place an eighth of the cream in a circular ribbon on eight plates. Place one carpetbagger on each plate and garnish as desired.


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April 02. 2013 6:31PM
Londonderry dad says his daughter's OK, but dog that bit her has to go
By APRIL GUILMET
Union Leader Correspondent
Sarah Stewart, 6, a first grader at South Londonderry Elementary School, is recuperating at home after being bitten by her neighbor's pit bull, Oliver, on Easter Sunday. Sarah's bite injuries are severe and she'll need to see a plastic surgeon once her wounds heal a bit. Her father, Greg Stewart said the family has a great relationship with their neighbors and don't have any hard feelings following the incident, as long as Oliver doesn't return to the neighborhood. (APRIL GUILMET PHOTO)
Londonderry first-grader hurt in dog attack
LONDONDERRY - The father of a 6-year-old bitten by a pit bull mix Easter Sunday said his neighbor's dog has to go.
"None of us want him back in the neighborhood," Greg Stewart, the father of four young children, said. "There's just too many kids on this street."
The Stewarts have notified their Century Village condo association to make sure Oliver won't return. The dog remains in quarantine at the Londonderry Police Department as police await validation of the animal's vaccination status.
South Elementary first-grader Sarah Stewart said she was reaching for a jar of bubble solution Sunday afternoon when she tripped over Oliver's leash, landing on top of the dog.
"I sort of flipped over," the little girl recalled Tuesday, her voice breaking. "And when I opened my eyes, he was biting at my face."
Sarah, who was treated at the Elliot Urgent Care in Londonderry, then at Manchester's Elliot Hospital, suffered a deep gash on her temple, stretching across her left eyebrow. The wound will eventually need to be attended to by a plastic surgeon.
"Fortunately, it missed her eyes and her throat," her father, Greg Stewart, said Tuesday. "She's still here with us. But there are so many stitches on Sarah right now, we don't really know just how many there are."
Greg Stewart said the presence of the dog has worried him and others in the neighborhood.
"I always told the kids to stay away from Oliver," Stewart said of the black pit bull mix owned by neighbors Lisa and John Palmieri.
He said the Stewart family considers the Palmieris good friends, and don't hold any hard feelings.
Stewart said Lisa Palmieri, who was unable to be reached for comment and didn't answer her door on Monday or Tuesday, has assured Sarah that Oliver is gone for good.
Meanwhile, the Stewarts are hoping Sarah doesn't have to go through a series of rabies shots.
Sarah will miss at least several days of school this week, her parents said, as she recuperates on the living room couch, the family's Labrador retriever, Fred, by her side.
"We were kind of worried she'd be afraid of all dogs after this happened," her father said, scratching Fred's yellow head.


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April 24. 2013 10:12PM
Ayotte, McCain call for hearings on FBI response
U.S. Sens. Kelly Ayotte of New Hampshire and John McCain of Arizona have asked for Senate hearings to investigate whether federal officials had information that could have prevented the Boston Marathon bombings.
In a letter sent to U.S. Sen. Tom Carper, D-Del., the chairman of the Senate Homeland Security and Governmental Affairs Committee, Ayotte and McCain said they are concerned about the response by intelligence agencies in the wake of revelations that the Russian government twice contacted U.S. authorities in 2011 expressing concerns about one of the two alleged bombers, Tamerlan Tsarnaev.
"In a string of apparent intelligence-sharing lapses, Tamerlan Tsarnaev was able to slip through the cracks and carry out this devastating attack. Recent reports have indicated that he first appeared on the Federal Bureau of Investigation's (FBI's) radar screen as a person of interest almost two years ago due to information provided by the Russian government regarding his violent Islamist ideology," the Republican senators wrote.
Tsarnaev was killed in a police shootout in Watertown, Mass., Friday. His younger brother, Dzhokhar, was captured alive and has been charged with using a weapon of mass destruction and other charges in the April 15 bombings that killed three people and injured about 200 others.


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Forum Post: FEC Poised To Give Tea Party Group Disclosure Exemption
Posted 4 years ago on Nov. 16, 2013, 8:59 a.m. EST by GirlFriday
This content is user submitted and not an official statement
I received this draft opinion from the FEC Friday afternoon. Did they think no one would notice?
Dan Backer, treasurer for several very conservative PACs, filed a request for the Tea Party Leadership Fund, aka TeaParty.net to be exempt from disclosure and filing requirements because they're concerned about public backlash and persecution.
The request listed many instances which were ginned up to make it look like they're being stalked, with no corresponding fact-checking on their claims. Ranging from IRS 'persecution' to harassment of individual members, they claimed they are entitled to an exemption from all FEC reporting and disclosure requirements, including DONORS, because they might be hassled just like the NAACP was back in the day.
Never in a million years would I have believed the FEC would allow such a thing, particularly in light of the corruption we've seen from dark money in our electoral process. Yet, here is their draft opinion, summarized in the first sentence:
Read the rest here


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written by Julie Greenberg, Laura Pomerance, and Kate Walsh
Though few would dispute its value, the job of providing apprenticeships for some 200,000 teacher candidates each year in real classrooms is a massive and complex undertaking. About 1,400 higher education institutions work with many thousands of school districts across the United States to place, mentor and supervise teacher candidates in what is popularly known as "student teaching."
Even as the profession pushes for more and earlier field work opportunities, student teaching is the final clinical experience. During the typical semester-long experience, student teaching candidates must synthesize everything they have learned about planning instruction: collecting or developing instructional materials, teaching lessons, guiding small group activities, and establishing and maintaining order--not to mention meetings with faculty and parents and, in some districts still, taking on lunchroom and playground duties.
Passing (or failing) student teaching determines whether an individual will be recommended for certification as a licensed teacher. Because few dispute the tremendous potential value of student teaching, even alternate pathways to profession,
often criticized for taking too many shortcuts, generally try to provide their teaching candidates with some kind of student teaching experience, however abbreviated. Surveys of new teachers suggest that student teaching is the most important part of their teaching training experience.
ComPADRE is beta testing Citation Styles!
Record Link
Greenberg, J, L. Pomerance, and K. Walsh. "Student Teaching in the United States." 44. 2011.
AIP Format
J. Greenberg, L. Pomerance, and K. Walsh, , 2011, WWW Document, (http://www.nctq.org/edschoolreports/studentteaching/docs/nctq_str_full_report_final.pdf).
J. Greenberg, L. Pomerance, and K. Walsh, Student Teaching in the United States, , 2011, <http://www.nctq.org/edschoolreports/studentteaching/docs/nctq_str_full_report_final.pdf>.
APA Format
Greenberg, J., Pomerance, L., & Walsh, K. (2011). Student Teaching in the United States. Retrieved October 20, 2018, from http://www.nctq.org/edschoolreports/studentteaching/docs/nctq_str_full_report_final.pdf
Chicago Format
Greenberg, J, L. Pomerance, and K. Walsh. "Student Teaching in the United States." 44. 2011. http://www.nctq.org/edschoolreports/studentteaching/docs/nctq_str_full_report_final.pdf (accessed 20 October 2018).
MLA Format
Greenberg, Julie, Laura Pomerance, and Kate Walsh. Student Teaching in the United States. 2011. 20 Oct. 2018 <http://www.nctq.org/edschoolreports/studentteaching/docs/nctq_str_full_report_final.pdf>.
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News and media
|Local News
|Remove Type: Local News
|Remove Country: China
Insights, lessons, solutions: Asia-Pacific Energy Leaders' Summit
The Hon John Key, Prime Minister of New Zealand, opened the inaugural Energy Leaders' summit organised by the BusinessNZ Energy Council which brought together 200 energy leaders from across the world. At the event the early findings of the latest World Energy Council report, 'The road to resilience–managing the risks of the energy-water-food nexus' were […]
Posted on 22 March 2016
China's role in the run up to COP21
This summer, China submitted its Intended Nationally Determined Contribution, INDC, but what role will it play at the 21st Conference of the Parties, COP21? New Future Energy Leader Peter Edwards met with Professor Zou Ji and Dr Fu Sha based at China's National Centre for Climate Change Strategy and International Cooperation, NCSC, who advised on […]
Posted on 26 November 2015
China learns from Germany
Dr. Hans-Wilhelm Schiffer, the Executive Chair of the World Energy Resources programme of the World Energy Council, London came to Peking University Cafe 1898 to give a keynote speech on 'German energy policy – its impact nationally and across Europe'. In the audience there were university academia, the World Bank's International Finance Corporation, power and […]
Posted on 15 June 2015


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40" Assorted Teardrop Faceted Beads
- Product Code: M2363ASST
- Availability: In Stock
Available Options
Product code: M2363ASST
If you're looking for something a little different from the standard throw bead, this is a great bead for you. A little longer at 40", the beads are faceted in a teardrop shape. A mix of red, silver, blue, purple, green, and gold makes it perfect for any occasion. Great for Mardi Gras parties, birthday parties, company parties, parades, holidays, or other events. Use them for decorating and crafting as well. Available in bags of 6 dozen and cases of 12 dozen.
NOTE: We are UNABLE to ship bead products to California due to state restrictions.
|NOTE: We CANNOT ship bead products to California due to state restrictions
Tags: m2363asst, m2363, 2363asst, 2363, 40", assorted, multi, throw, beads, purple, green, gold, red, blue, silver, teardrop, faceted, mardi gras, parade, carnival


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It may have only been a preseason matchup yesterday against Seattle, but when two teams from Cascadia meet on the pitch it can hardly be described as a friendly, as one reporter noted, "The Cascadia Cup rivalry takes no games off, even in the preseason." (Ives Galarcep - Soccer by Ives)
The friendly featured three different groups for each of the 45-minute halves and the additional 30-minute session. Read who made the lineup that The Province's Marc Weber described as, "giving Vancouver fans their first real indication of what an opening-day lineup could look like for season two." (Marc Weber - The Province)
The intensity was immediately high as the I-5 adversaries dueled it out on the pitch with Camilo setting the tempo early on, slotting the ball between the posts only 35 seconds into the match. Camilo's goal gave Whitecaps FC a one goal lead at the end of the first half, but Seattle were able to finally pull one back in the second half to end the game in a 1:1 draw. Check out the complete highlights of the match HERE. (MLSsoccer.com)
"Overall I think it was a good game against a very good team. Both teams worked hard and took it seriously and I think everybody's got to be happy with that," Whitecaps coach Martin Rennie told reporters after the match. Watch the rest of his post-game interview, along with feedback from 'Caps keeper Joe Cannon HERE. (MLSsoccer.com)
'Whitecaps FC Daily' with Peter Schaad is back in its usual 3:00 p.m. timeslot on TEAM 1410 sports radio! Its for those of you who may have missed past episodes, you can find them HERE!
The show airs every Monday to Friday at 3 p.m. PT on TEAM 1410.
You can always get your soccer fix every Sunday night from 9 p.m. to 11 p.m. PT by tuning into 'Full-Time: Vancouver's Soccer Show' with Tyler Green and Mike Martignago on TEAM 1040.
West Coast Soccer Weekly is a new podcast hosted by Canadian Soccer News writers Pierce Lang and Michael McColl. For all things soccer on the best coast, including up to date coverage of Whitecaps FC, Highlanders, Men's and Women's Canadian national teams, and local community clubs be sure to listen in HERE!
Have you heard about 'The Soccer Show'? During last week's podcast, Nigel Reed and Bob Irushi talked about Vancouver Whitecaps FC and our fabulous five residency signings. Make sure you listen HERE!
One player who was all smiles after Whitecaps FC first scrimmage against his former Sounders team was latest signing Sebastian Le Toux who told reporters, "So far, it's been great. My new teammates welcomed me very well and I feel comfortable to play here and the new coaching staff is great, too." (Jose Romero - MLSsoccer.com)
If it's a complete breakdown of yesterday's preseason matchup you seek then look no further. You can always trust Simon Fudge to include all the important details in his latest match-report. (Simon Fudge – whitecapsfc.com)


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Life insurance can seem like a complicated topic, making it easy to put off until later down the road. However, it's important to understand your life insurance options and its advantages from the get-go. After all, there are many benefits to getting started early in life!
According to the 2017 Insurance Barometer Study, 85 percent of people surveyed agree that most people need life insurance, but only 59 percent say they have it. If you want to learn about life insurance and your options, we have you covered with this guide on what you need to know, how it can be a powerful tool, and different coverage options. Additionally, we offer our simple calculator to help you find out how much life insurance you might need.
What is Life Insurance?
Essentially, life Insurance is protection for your family in the event of a tragedy. It can help lower the financial risks your family faces in the event you can no longer provide for them. It is designed to make sure your loved ones are taken care of, even after you're gone.
When you purchase a life insurance policy, you pay premiums on a periodic basis. Then, upon the death of the insured, a lump-sum is paid to the beneficiaries. There are many different types of life insurance with multiple add-on options, so policies can be customized to match your personal needs and goals.
At this point, you may be asking yourself, "Why do I need life insurance?" Before digging into the details of the different types of life insurance, it's helpful to understand the benefits of having life insurance and how it can help protect your family in the long run.
Benefits of Life Insurance
- Safety and Security for Your Loved Ones. Ensuring the safety and security of loved ones is the primary reason many people purchase life insurance. In addition to covering funeral costs, life insurance can provide income to pay expenses, such as a mortgage, continuing a family business, higher education for children and many other situations.
- Paying for Chronic or Terminal Illness. There is a common misconception that life insurance is only useful after a person has passed away. But, in reality, some policies have optional benefits that can help pay for chronic or terminal illness care expenses.
- Access to the Cash Value. If you purchase permanent life insurance you will generally be able to access your life insurance cash value through a policy loan or withdrawal for emergencies, retirement income and more. You have the flexibility to access your accumulated cash without the restrictions that other investments may carry.
- Leaving a Legacy. With a life insurance policy, you can create additional wealth for your family or a charity you want to support. This is an excellent tool for building the funds you need to make an impactful donation to community organizations that are important to you.
Life Insurance Needs at Every Stage of Life
- Young Adult: Buying life insurance when you're young and healthy is the best time to get started, as you will likely have access to lower rates because of your younger age. Life insurance needs are unique to every individual but, in general, life insurance becomes the most critical when you have young children. This is when it becomes especially important to build assets that can protect your family if something should happen to you.
However, even if you don't have children, life insurance can be a smart financial move. Many permanent life policies provide not only a death benefit but also allow you to use your accumulated cash value to help fund future financial objectives, such as buying a home or retirement.
- Midlife: At this stage, your children may be grown and out of the house and they may not need as much financial support as they once did. However, there are other factors to consider at this point in your life. Do you have a spouse who you financially support? Do you provide financial support or plan to provide financial support for an aging parent or a dependent? Sure, you are growing your assets in a 401k or another retirement fund, but will that be enough? Consider the financial implications of the loss of your income on your family when deciding which type of life insurance is best for you.
- Seniors: Many retirees no longer have dependents, and may be thinking about reducing their life insurance benefit. Be sure to first discuss coverage changes with your insurance agent or a financial advisor.
Common Types of Life Insurance
There are different types of life insurance with many additional options available. Here are the most common types of life insurance you're likely to hear about as you begin your search for the right coverage.
Permanent Life Insurance
Both whole and universal policies are types of permanent life insurance. These policies typically have two components: cash value accumulation and insurance. Permanent life insurance policies are designed to be kept for a lifetime. With permanent life insurance you may pay slightly higher premiums than with a term policy, but remember you're earning cash value with your premium dollars and you have coverage for life.
- Whole Life Insurance: Whole life insurance provides guaranteed protection for your whole life. As a policyholder you'll pay consistent premiums and have guaranteed cash value accumulation. Whole life insurance is ideal for those with long-term goals. You also have the option to borrow from your whole life insurance policy to help purchase a home, start a business or even fund retirement.
- Universal Life Insurance: This type of life insurance is a form of permanent life insurance that covers you throughout your lifetime and generally offers more flexibility than whole life insurance. Along the way, you can adjust things like your premium payment amounts and frequency, and your death benefit, to meet your needs and goals. Similar to whole life insurance, you can also borrow from your funds for future financial needs.
- Term Life Insurance: A term life insurance policy provides a predetermined sum (also called death benefit) if you, as the insured, die during a specified period of time. The term may be anywhere from one year to over 20 years long depending on the policy you choose. Because term insurance is designed to be kept for a shorter amount of time, term life insurance is one of the most affordable life insurance options. Unlike whole and universal life insurance policies, there is no cash value.
Converting Life Insurance
Some term life insurance policies have the option of being converted to a permanent life insurance policy. This gives you the benefit of initially obtaining less expensive life insurance while also being able to switch to a permanent policy as insurance needs and financial situations change. By converting to a whole or universal life insurance policy, you'll be able to take advantage of the additional benefits, such as a policy that never expires and accumulating cash value from which you can borrow.
How Much Life Insurance Do You Need?
When it comes to deciding on your life insurance policy, one of the biggest questions to answer is how much do you need. There are a variety of factors that come into play when it comes to your life insurance needs, including age, salary, expenses, debts and future financial needs.
Fortunately, uncovering your life insurance needs is easier than you think! Connect with a Farm Bureau agent to learn more and to find the coverage option that fits your needs.


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As a parent, you know how important successful early education is to your child's well being and growth. Our public school academies in Battle Creek, Kalamazoo and Portage, Michigan offer effective instruction in a safe, enthusiastic and award-winning environment.
We would love to share with you how FBR Public School Academies provide choice, challenge and success for every child! Contact us today to schedule a tour.
Hours: 7:30am-4:00pm


text: /* CPP Library. Copyright (C) 1986, 1987, 1989, 1992, 1993, 1994, 1995, 1996, 1997, 1998, 1999, 2000 Free Software Foundation, Inc. Contributed by Per Bothner, 1994-95. Based on CCCP program by Paul Rubin, June 1986 Adapted to ANSI C, Richard Stallman, Jan 1987 This program is free software; you can redistribute it and/or modify it under the terms of the GNU General Public License as published by the Free Software Foundation; either version 2, or (at your option) any later version. This program is distributed in the hope that it will be useful, but WITHOUT ANY WARRANTY; without even the implied warranty of MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the GNU General Public License for more details. You should have received a copy of the GNU General Public License along with this program; if not, write to the Free Software Foundation, 59 Temple Place - Suite 330, Boston, MA 02111-1307, USA. */ #ifndef GCC_CPPDEFAULT_H #define GCC_CPPDEFAULT_H /* This header contains declarations and/or #defines for all the hard-wired defaults in cpp. Note it's used by both cpplib and tradcpp. */ #ifndef STANDARD_INCLUDE_DIR #define STANDARD_INCLUDE_DIR "/usr/include" #endif #ifndef STANDARD_INCLUDE_COMPONENT #define STANDARD_INCLUDE_COMPONENT 0 #endif /* APPLE LOCAL fat builds */ #if defined (CROSS_COMPILE) && !defined (PHAT) #undef LOCAL_INCLUDE_DIR #undef SYSTEM_INCLUDE_DIR #undef STANDARD_INCLUDE_DIR #else #undef CROSS_INCLUDE_DIR #endif /* This is the default list of directories to search for include files. It may be overridden by the various -I and -ixxx options. #include "file" looks in the same directory as the current file, then this list. #include <file> just looks in this list. All these directories are treated as `system' include directories (they are not subject to pedantic warnings in some cases). */ struct default_include { const char *const fname; /* The name of the directory. */ const char *const component; /* The component containing the directory (see update_path in prefix.c) */ const int cplusplus; /* Only look here if we're compiling C++. */ const int cxx_aware; /* Includes in this directory don't need to be wrapped in extern "C" when compiling C++. */ }; extern const struct default_include cpp_include_defaults[]; extern const char cpp_GCC_INCLUDE_DIR[]; extern const size_t cpp_GCC_INCLUDE_DIR_len; #endif /* ! GCC_CPPDEFAULT_H */


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It's nearing to the of Android Week on Pocket-lint and as the team has forced this particular editor of news to only use an Android handset (in this case, a HTC Desire HD) in preference to an iOS device or two, it seems fitting that we finish with an App of the Day finely hewn from the loins of such an experiment.
It just so happens to be one of the best games for the OS, to boot...
Asphalt 6: Adrenaline HD
- Format
- Android
- Price
- £3.00
- Where
- Gameloft
We first encountered Asphalt 6 on an iOS device, namely an iPhone 4, back at Gameloft's UK headquarters a while back, and it blew us away. Now running on an HTC Desire HD, with its vastly bigger screen, it looks even better.
Not only is it a graphical smorgasbord of colours and effects, to our knowledge, it's the fastest driving game on the platform, and a typical play of the game is likely to raise the hairs on the back of your neck.
There are 42 different models of cars on offer (many to be unlocked through consistent and impressive gameplay feats), and with 12 tracks, there's certainly no skimping on the variety of action. Plus, the career mode in Asphalt 6 is markedly improved over previous generations of the franchise; a winner will have had to succeed in 55 different races, many of which offering a variation in gameplay types.
For starters, alongside the normal race modes, there's a Burnout-style Elimination mode, where you have to ram cars off the track, and a mad dash-style mode asks you to collect tokens from the track before your opponents.
Performing well in each race will earn you stars (up to a total of five) and these will subsequently unlock new levels, leagues and better cars. It's much like the XP type of reward system found on many of today's console driving games.
Controls are simple enough, especially with the massive screen of the Desire HD. The accelerometer comes into use for left and right steering, while the screen can be tapped for either breaking (on the left-hand side) or nitro (on the right). And if you're not one for swinging around your elbows in public, they can be changed for on-screen steering too.
But it all boils down to the speed of gameplay, and that is where Asphalt 6 is elevated to superstar. It zips along so quickly that a race is over in, seemingly, seconds. This is definitely a game for more experienced gaming petrol heads.
Therefore, for £3, it's a must have purchase for an Android device-packing owner. And that's even without checking out the multiplayer mode (for that, we'd have to have friends).


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For those who are fans of both the Star Wars franchise and the world of Lego blocks, the new Star Wars display at Legoland Florida's Miniland, in Winter Haven, is a fanciful toy universe where two very different worlds have collided. The famed characters of Star Wars --including Darth Vadar, Luke Skywalker and fan-favorite droids C-3PO and R2-D2-- welcomed about 100 guests who lined up Friday morning to be the first to see the Lego-sculpted additions to Miniland, based on the various episodes, movies and storylines of Star Wars. In addition to the Lego-block sculptures, costumed characters mingled with star-struck fans studying the intricate scenes from the six Star Wars movies.
• Click here for more photos from the grand opening of Star Wars at Legoland.
email@example.com Follow our photography department on Twitter @OSPhoto. Like us on Facebook: Orlando Sentinel Photography.


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It's no wonder Raleigh - Durham ranked as the 4th best place to live in the US, according to U.S. News & World Report. Durham gave birth to Research Triangle Park—one of the largest research areas in the world—and boasts one of the highest "PhDs per capita" rations in the country. Home to prestigious Duke University, Durham takes pride in maintaining a premium on education and sustaining one of the largest school districts in the state.
The city of Durham is known for its cultural diversity and offers a myriad of activities. Durham offers more than just beautiful homes and real estate. With 47 annual festivals, the second most attended theatre nationally, Durham Performing Arts Center and the Durham Bulls minor league team, you are sure to get your fill of entertainment from this Triangle city.
If you're looking for your next home in Durham, North Carolina, then you've come to the right place. At Berkshire Hathaway HomeServices York Simpson Underwood Realty, we have up-to-date real estate listings on all Durham homes for sale. Durham is an energetic, colorful, and creative city, and our property listings put you right where you want to be to enjoy the best that Durham has to offer.
Browse our homes for sale in Durham and sort properties based on the number of beds and baths you're looking for, by price, by property type, or even by features. Once you've narrowed down your list, you can concentrate only on properties that match your requirements. We provide a detailed description of each listing, property photos, maps, and community info.Give us a call if you need further information. We're eager and happy to help.
Nature lovers will find plenty to like here in Durham. There's the Sarah P. Duke Gardens, an immaculately maintained and breathtaking green space. The Duke Lemur Center lets visitors get up close and personal with the largest population of lemurs outside Madagascar. The Eno River State Park is an absolute jewel, full of hiking trails, historical landmarks, and jaw-dropping vistas.
Those who come alive at night will be happy to know that Durham has a bustling nighttime entertainment scene. There's no shortage of clubs and venues here. Whether you're looking for a great place to meet with old pals, or a secluded hideaway for a rendezvous with someone special, Durham has what you're seeking.
Forbes Magazine ranked Durham #10 on its 2013 list of the Best Places for Business and Careers. If you're looking for a great place to start your career or to continue your ascent up the ladder, then look no further. The area counts some impressive names on the list of its largest employers. IBM, GlaxoSmithKline, Cisco, SAS Institute, and NORTEL Networks all make the list, not to mention Duke University, and Blue Cross Blue Shield of North Carolina.
When you go looking for homes for sale in Durham, what are you likely to find?
In short, you're likely to find exactly what you're looking for. If you're interested in purchasing a home with oodles of historic charm, you can find it in Durham. If you're ready to start a family and need to find an affordable home with plenty of room for your growing brood, Durham, North Carolina's got that too.
Chic, modern condos in the heart of the action? Check! Golf course living for active adults? Yes, indeed.
Starter homes for up-and-comers? Spacious, recent homes with all the modern conveniences? Yes, and yes. The real estate market in Durham truly has something for everyone.
When browsing homes for sale in Durham, NC, you'll find that you can get a lot of home for the money. The median list price per square foot is only $102, which is substantially lower than average homes for sale in the surrounding area. But don't expect Durham home prices to stay that reasonable forever. Home values here are on the rise, and are poised to continue their upward trend.


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Kayla Wright was one of two Matador players, along with Val Kepler, to appear in all 31 matches and 117 games ... started 18 matches ... comes into her senior season ranked third in Northridge history with 2,240 career assists ... recorded a team-high 757 assists (6.47 per game) as a junior which ranked ninth in the Big West ... also served a team-best 39 aces which tied for seventh among Big West players ... now has 88 service aces in her three-year Northridge career ... also contributed 83 kills in 163 attacks (.374 hitting percentage) and posted 248 digs which was third-best on the Matadors ... posted a career-best and Northridge season-high 63 assists in the Matadors' five-set win over Cal State Fullerton (Oct. 2) ... had 44 assists in a three-game sweep over UC Riverside (Sept. 29) and 42 assists in a 3-0 victory over Fairfield (Nov. 23) ... finished the season with nine double-doubles which gives her 30 double-doubles for her career ... recorded a career-high 24 digs in Northridge's five-game win at Cal State Fullerton (Nov. 15) ... had a career-high four aces on three different occasions ... was named to the Big West Academic All-Conference team for the second consecutive year.
Wright appeared in all 28 matches and 100 games for the Matadors ... ranked second on the team with 593 assists (5.93 assists per game) ... ranked 10th in the Big West in assists per game (5.93) and finished tied for ninth in the conference in service aces (0.31 per game) ... finished second on the team with 31 aces and was fourth in digs with 244 ... also added 39 kills while committing just six hitting errors in 75 swings for a .440 hitting clip ... posted a Northridge season-high 39 assists in a five-game win over San Jose State (Sept. 16) .... finished the season with a team-high 12 double-doubles ... recorded 19 assists and a season-high 17 digs at UC Santa Barbara (Nov. 11) ... served a career-high three aces on four different occasions ... was one of seven Matadors named to the Big West All-Academic Team.
Appeared in 26 matches and 90 games as the Matadors' primary setter ... recorded 890 assists (9.89 assists per game) to rank first on the team and seventh among Big West setters ... also recorded 213 digs (2.37 digs per game) which ranked fourth on the Matadors ... posted 85 kills, hit .275 to go with 18 aces and 36 total blocks to round out a solid freshman season ... tied for the team-high with nine double-doubles ... tallied a season-high 57 assists, along with four kills and nine digs at No. 25 Pepperdine (Sept. 3) ... posted her first collegiate double-double in the season-opener against Arizona State (Aug. 26) ... notched 30 assists, six kills and 17 digs at Pacific (Oct. 1) ... dug a career-high 19 balls at UC Davis (Nov. 4).
Was a four-year letterwinner at Murrieta Valley High School in Murrieta, Calif. ... as a senior in 2004, earned Second Team All-Area and First Team All-Southwestern League honors ... was also chosen team MVP and named to the All-Tournament Team at the Nighthawk Classic ... also earned All-Area and all-league honors in 2002 and 2003 ... was a CIF All-Academic selection from 2001-2005 ... graduated in 2005 with a 3.8 grade point average.
Born May 17, 1987 in Kansas City, Mo. ... parents are Shelley and Mike Wright ... has one younger brother, Bryan ... her mom attended Northwest Missouri State and her dad attended Kansas ... also competes for the Saddleback Volleyball Club ... lists her favorite athlete as pro beach volleyball player Kerri Walsh, favorite actors as Mel Gibson and Jessica Alba and "The Notebook" as her favorite movie ... listens to music when she has time to relax ... major is Business.


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Our vision is to help to professionalise cocoa farming, so that cocoa farmers run profitable farms, respect the environment, have a good quality of life and their children benefit from education. The Cocoa Plan is Nestlé's way of helping to tackle key issues facing cocoa farmers, their families and communities to create a better future for cocoa farming.
The Cocoa Plan – already active in the world's largest cocoa origin, Cote d'Ivoire, and the world's largest fine cocoa origins, Ecuador and Venezuela – covers the following aspects:
Overall investment. Nestlé intends to invest CHF 110 million on cocoa creating shared value initiatives over the next decade, almost twice as much as was spent over the past 15 years (CHF 60 million).
Helping farmers. We are training farmers in Ecuador and Côte d'Ivoire to help them to increase yields, reduce disease, respect the environment and produce a better quality crop which attracts higher prices.
Plant expertise. As part of a wider remit, our new R&D Centre in Abidjan, Côte d'Ivoire (where more than 40% of the world's cocoa originates) will provide farmers with 1 million high-potential cocoa trees each year from 2012. The Centre's programmes will focus on improving the quality and quantity of locally sourced raw materials, developing products that meet the nutritional needs and tastes of West African consumers, and helping to increase both agricultural productivity and food safety. We are also training plant scientists in accelerated propagation techniques in other cocoa-producing countries. Over the past 15 years, Nestlé has provided 17 million coffee and cocoa tree plantlets to producer countries, and over the next decade, we will provide at least 38 million more. These develop into high-yield, disease-tolerant trees providing farmers with a foundation for increased farm productivity and potential income. Although results vary, studies show Nestlé-produced trees can achieve an increase in productivity of 50%–200%. The protection and propagation of superior "fine cocoa" varieties for use in our premium chocolate brands is also ongoing in Ecuador and Venezuela.
The supply chain. By working closely with farming cooperatives and paying a premium for quality, we aim to reduce the complexity of the supply chain, improve returns to farmers and improve the quality of cocoa for Nestlé.
Better social conditions. Cocoa farming is the major employer, the main source of income and the focus of activity for millions of people. But many cocoa communities do not enjoy clean water or access to education, and as a result, labour practices on cocoa farms are not always what they should be. We will work to improve access to education, water and sanitation. As a founding participant in the International Cocoa Initiative (ICI), set up specifically to eradicate the worst forms of child labour, Nestlé and other industry players are improving access to education and addressing all forms of exploitation of children, forced labour and its underlying causes. We are partnering with the International Federation of The Red Cross/Red Crescent to fund a clean water and sanitation project in schools in the Gagnoa region of Cote d'Ivoire.
Working with partners. In addition to supporting the ICI, we:
Related information
Nestlé has produced The Cocoa Plan website The Cocoa Plan website as a source of information for consumers on its sustainable cocoa initiatives. On pack and in other communication material The Cocoa Plan logo will serve as a reference for consumers supporting the sustainability of cocoa used within Nestlé's confectionery.
Related website links:


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Whether swinging from the trees is on your bucket list or you're a true adventurer, Virginia has quite a few canopy opportunities you're sure to LOVE this spring and summer. Vertical climbs, limb walks, rope bridges, tree swings and high-elevation zip lines are just a portion of the fun you'll find with Riverside Outfitters in Richmond.
Go Ape Treetop Adventure and Treetop Junior were created to be highly interactive with multiple zip lines and varying heights, cargo nets, rope bridges and more. Located in Williamsburg, it's a great addition to Colonial Williamsburg and Busch Gardens for a weekend or more of fun.
The Appalachian Wilderness Adventure Program is associated with Camp Bethel in Fincastle. It was developed in 1986 and is comprised of group initiative games and low and high ropes course activities.
A 900-foot zip line is the centerpiece of Wilderness Adventure at Eagle Landing in New Castle, but visitors will also find a 50-foot climbing wall, ropes courses and more. It's easy to spend a day or more at Wilderness Adventure.
Fifty-two obstacles and 13 zip lines make the canopy at the Adventure Park at Sandy River Retreat pretty awesome. Located in Rice, this park is the largest and first of its kind in Central Virginia.
Bear Mountain Ziplines is located in Luray. Zipliners are given the safety and usage instructions before descending 2700 feet down "Mama Bear." It's doubtful the ziplining will get old, but if it does, there's a three-story Bear Scramble climbing wall waiting to be conquered.
The Discovery Ridge Adventure Center is located at Wintergreen Resort, which is easily accessed from the Valley, Northern Virginia and Central Virginia. There you'll find a 900-foot zip line and climbing tower.
Nearby Bryce Resort in Basye also has zip lining for summer fun – ten platforms totaling 3500 feet of cable! Check the schedule for days and hours of operation.
Ready to go swinging, climbing and ziplining? Plan your canopy adventure at Virginia.org.
LOVE is at the heart of every Virginia vacation. Virginia is for Lovers.
Request a free Travel Guide or sign up for our e-newsletter.


text: American Crafts' Craft Room is full of inspiration. While you're here make sure to see the new lines up close and personal, get tips on the best techniques for using American Crafts products, and learn more about what American Crafts has to offer. Links to the Craft Room videos are found below. For more inspiration and how-to's visit our blog.


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BARDSTOWN JUNCTION – The congregation at a local church has the same concerns as it voiced a couple of years ago when another tract of property sought industrial zoning.
And the Bullitt County Joint Planning Commission came back on Thursday with a similar recommendation.
The commission unanimously voted to send a favorable recommendation to rezone 57.5 acres from Agricultural and B-1 Highway Business to IL Light Industrial at the intersection of Highway 61 and Highway 245.
Bullitt Fiscal Court will make the final ruling.
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Watch Rihanna's Tormented Soul in 'What Now' Sneak Peek
Rihanna is still cranking out videos from her latest album, 'Unapologetic.' The newest visual is for her fifth single, 'What Now.' Before the video's actual premiere on Friday (Nov. 14), RiRi unveils a sneak peek of the clip.
RiRi appears in a padded room suffering from a painful loss. We can certainly expect this to be the singer's most darkest and eeriest video yet.
"Everybody's probably expecting like a narrative type of video, a love story of some sorts, something really soft and pretty," said Rihanna about the video. "It is pretty and kinda soft, but it's really a little demented."
In addition to the video, news has come out that Rihanna will also be honored at the 2013 American Music Awards with its highest honor -- the Icon Award.
The Bajan songbird will be the first artist to received this honorary award, according to the Los Angeles Times.
"The first-ever Icon Award was created to honor an artist whose body of work has made a profound influence over pop music on a global level," said AMAs producer Larry Klein. "Rihanna's iconic and innovative sound has enabled her to become one of the most influential and best-selling artists of all time."
The American Music Awards will air live from the Nokia Theatre on Nov. 24 at 8PM.


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PELHAM, N.Y. — Are you on Facebook? Do you enjoy catching up with friends and family? Now you can stay up-to-date with the latest news in Pelham.
" Like" The Pelham Daily Voice on Facebook to get updates from our Pelham reporter and tidbits of information, interact with neighbors in your community right in your news feed, and even participate in articles written for the site.
Our number of followers has continued to grow, and we invite you to join more than 300 of your neighbors online and add to the conversation.
Stay in the know about all the news, sports and schools information by clicking here to "like" The Pelham Daily Voice on Facebook.
Click here to sign up for Daily Voice's free daily emails and news alerts.


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Free E-'Da Vinci Code' offered until March 24
NEW YORK (AP) — Ten years and tens of millions of copies later, "The Da Vinci Code" is on the house.
Doubleday announced Monday that a free e-book edition of Dan Brown's blockbuster novel will be available at online retailers through March 24. The e-book will include the prologue and first chapter of Brown's next novel, "Inferno," coming out in May. "The Da Vinci Code" was published March 18, 2003. It has since sold more than 80 million copies worldwide.
Doubleday also announced that Brown will make a single promotional appearance in the U.S. for "Inferno." He will speak at Avery Fisher Hall in Manhattan's Lincoln Center on May 15, the day after his new book is released. A livestream of his appearance will be shown at libraries and bookstores around the country.


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Diaper Bags - Diaper Dude - Brown/Pink
The perfect gift for Father's day and Baby Shower!
A diaper bag that dad won't shy away from! Specially designed for hip dads (and moms!),
this cool sack has sporty messenger styling and lots of handy features for on-the-go parents.
Stroller Strap
Durable polyester stands up to everyday use.
Ergonomic, across-the-chest design is super comfy and saves your shoulders.
Wide, adjustable strap has padded panel and clips open and closed for easy on-and-off.
Three exterior zip-closed pockets are perfect for wipes, bibs, food and more.
Elasticized bottle pocket is easy to reach.
Large inner compartment with zip-closed pocket and special pouch for diapers.
Padded changing pad included.
Two large elasticized slots in back.


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The parlor game comes to the casino for exciting dice-rolling fun!
Bunco is a game played with three dice. The game has been traced back to the 1800's and became popular in the United States during the Gold Rush. Currently, Bunco is a popular parlor game amongst groups of friends who hold monthly Bunco Parties, and enjoy an evening of games, food and fun.
Bunco Night is a casino version of the popular dice game. Now you can play a version of Bunco that captures the fun of the original, but also offers up the chance of big winnings and includes a bonus game for even higher wins!
Join the world of Bunco in the fight against Breast Cancer.


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Twin bombs strike Afghan checkpoint, killing 1
KABUL, Afghanistan (AP) — Two bombs exploded at a checkpoint outside a provincial governor's compound in eastern Afghanistan on Wednesday, killing at least one police officer, an official said.
The explosions struck in the early morning in Jalalabad, the capital of Nangarhar province. The first bomb wounded a policeman, and the second was remotely detonated minutes later as police swarmed to the blast scene to secure it.
The second explosion killed one police officer and wounded at least five policemen and three civilian passers-by who were on their way to a nearby park, said Ahmad Zia Abdulzai, a spokesman for the governor
The head of the provincial health department, Dr. Baz Mohammad Shirzad, said 11 victims were taken to a local hospital where one, the police officer, died of his injuries.
At the scene later Wednesday, dried blood stained the sidewalk next to the checkpoint and the makeshift police shelter was reduced to a pile of rubble.
Abdulzai said authorities were investigating how insurgents were able to plant the bombs despite heavy security near the governor's compound.
The Taliban have been ramping up attacks on government forces lately, seeking to destabilize Afghanistan as more foreign troops prepare to draw down from the 12-year war.
Another roadside bomb in Nangarhar on Saturday ripped through a police vehicle, killing two and wounding three others.
Meanwhile, NATO said a fourth U.S. soldier died as a result of a deadly Tuesday attack on a convoy in Afghanistan's southern Kandahar province, the spiritual heartland of the Taliban.
The attack involving small arms fire and a suicide bomber in the Zhari district of Kandahar initially killed three U.S. soldiers. The fourth soldier died on Wednesday, said the NATO report.
So far this year, 58 international troops have been killed in Afghanistan, according to an Associated Press count. Of that tally, 44 are U.S. service members.