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6493 Blue Water Drive, Ludington
- Bedrooms 4
- Bathrooms 4
- Schools Ludington
- County Mason
- Township Summit Twp
- Above Grade Sq. Ft. 2426
- Total Finished Sq. Ft. 2426
- Bedrooms 4
- Bathrooms 3 (F) 1 (H)
- Basement Yes
- Garage 2,Attached
- Acreage 0.35
- Heat Type Forced Air
- Central Air Central
- Year Built 2008
- Exterior
- Taxes 17200
- Zoning
- Parcel 5301437000000
- Lot Size 100 x 155
Lake Michigan waterfront home on beautiful Blue Water Bluff which offers scenic views of Lake Michigan set in an idyllic, private, wooded location just south of Ludington. Beautiful 2624 sq ft quality built 4 bedroom 3 bath home with large open floor plan and spacious rooms. Private beach access to 230 feet of sandy Lake Michigan shoreline is a staircase away, or, you may drive the short distance to popular Summit park. Blue Water Bluff is the perfect location if you are looking for a private, luxurious year round residence, or just a seasonal getaway. This is a newly developed subdivision and there are multiple listings for lots as well as entire property. Please enter address in Youtube for a video tour.
The content relating to real estate for sale on this web site comes in part from the IDX program of the Michigan Regional Information Center, LLC. © 2019 MichRIC, LLC. All rights reserved.
All information provided is deemed reliable but is not guaranteed and should be independently verified.


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Orange river hematite included quartz crystal-Namibia
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- Sold Date:
- Source: eBay UK
WEIGHT :10gram
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- Parcels under 2000g are calculated at US$3.65 for the parcel, Plus US$3.65 per 100g + US$3.37 registration fee calculated to the next 100g (this applies to worldwide postage)0.625GBP=1USD
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In some cases eg azurite and dioptase, colour may appear slightly lighter/darker due to natural refraction.
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Please note that bidding is at the descretion of the buyer. As in any auction process, the opening bid is merely a platform from whence the true value is determined by the collectors through a fair and transparent process.

subset: commoncrawl


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Fenerbahçe Worldwide Featured on FB TV Live BroadcastFBWW in the Media • Author: Mehmet Pozam • Tuesday, May 18, 2010
Fenerbahçe Worldwide was featured on FB TV's live broadcast from Bağdat Caddesi on Sunday afternoon. Fenerbahçe TV presenters Kıvanç Özkök and İpek Ustaoğlu interviewed FBWW readers Morten Galåsen, Kim Kristiansen and FBWW's very own Mehmet Pozam during the run-up broadcast live from the popular Istanbul high street, home to Yellow Canaries fans.
On Sunday afternoon, Fenerbahçe TV's sympathetic duo Kıvanç Özkök and İpek Ustaoğlu kindly interviewed FBWW readers Morten Galåsen and Kim Kristiansen during their live broadcast on Bağdat Caddesi. Fenerbahçe Worldwide editor Mehmet Pozam also accompanied the interview.
Galåsen and Kristiansen got the chance to tell their story of becoming Fenerbahçe fans in Norway and also spoke about their previous attendance at this season's Fenerbahçe vs. Galatasaray derby. Fenerbahçe Worldwide's Morten Galåsen also became a local favourite, repeating President Aziz Yıldırım's famous words, "One day everyone will support Fenerbahçe," and chanting "Fener Gol Gol Gol, Şampiyonluk Geliyor".
Lastly, Fenerbahçe Worldwide editor Mehmet Pozam stated that FBWW was the perfect indicator that Fenerbahçe has become a World Club, reaching to supporters on a global scale.
You can watch the video featuring Mehmet, Morten, and Kim at http://www.dailymotion.com/video/xdcepf_fenerbahce-worldwide-on-fb-tv-live_sport
Comments (29)
Is Kivanc the guy that does Mac Kac Kac also?
@Fener_Eniste exactly he is the guy.
this made me tear up a little...
I just watched the vid man...excellent stuff Morten!
I think they'll be a fierce home team, though!
turkish people in holland want Daum out!
A green line means a compliment :D
Its non-existent in football to sack a coach who has come back from a team he loved coaching back to a team who had fallen to its lowest point in DECADES and revitalize the team. If Daum didn't come back we would have gotten another drop kick foreigner coach who knows nothing about how the club works and we probably would have been fourth this year AGAIN.
Hate Daum or love him. He has brought Fenerbahce back from the dead and into second place. We didn't win anything but at least we had a chance to win something. Last year we had NO CHANCE and our squad looked defeated.
I look forward to next year when Daum makes his transfers and we play under his game rather then what he was forced to play.
And to all those that believe Daum has no "game" or "tactics". Tell that to Bayer Leverkusen, Koln, VFB Stuttgart, Besiktas and Austria Wien. They will whole heartedly disagree with you as his tactics led them to either championships, great heights, or survival against the odds.
If we let Daum go, a German team will take him back with open arms and laugh at our stupidity to let him go.
Thats all I'll say on the matter.
kinda ironic because a month later they gave 2 million more then Zico asked for to Aragones - who after he got sacked again recieved a lot of money.
Unfortunately it didn't work out :(
so Aragones is just a good example of the failure of the current board - getting a name without checking what he did before and if he will add something. Aragones needed 4 years with Spain to let them play good! Spain a team who have on every position a player who can be called within the best 10 of the world on that position. how could they expect that he would do good the first year (something crucial in Turkey) if he needed 4 with worldclass players!
i would love it if we could find a good coach who can let us play good served footbal that could finally stay long termed without any promises and without expecting something....unfortunately this is impossible in Turkey.


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Satur-Daze Nerds
Gargantun sits perched atop (enter mtn range name). At one time Gargantun was primaily Goliaths but since the eladrin invasion of Sendrassil the dwarves have slowly migrated to Gargantun to live near the stone. Since then the dwarves and goliaths have lived side by side assisting each other in stone work and trade. As of late though it has been under siege by drueger that are primarily just kidnapping the townsfolk.


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As for the Mayuri and Nemu who are the captain and the lieutenant of the 12th Division of Soul Society, obviously, and they are a cool couple, especially for the outside looks of Mayuri, he could be one of the most characteristic captains among Shinigami members. It can be said that this couple bleach cosplay are one of the most distinctive and characteristic one among the othee bleach characters because of their outside appearance and personality.
Mayuri's skeletal-like look is really somewhat scary to girls but cool to boys, his face is covered by white color with the inner portion of his face covered by black except his nose, plus his golden eyes and exposed teeth make him indeed impressive. And personally I don't like his bad attitude to Nemu.
As for this cosplay shot, two cosplayers do an indeed great job, they are impressive, and the captain does really an excellent job. He shows us a vivid Mayuri Kurotsuchi by his suitable makeup and suitable cosplay costume.


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The future of currencies is digital
Let the blockchain become a foundation for any transaction or agreement. You will gain unprecedented security through cryptography, and costs will be reduced when your digital information is distributed and recorded through blockchain ledger. Transactions can be automated, and the costly human broker in between is obsolete.
Bitcoin is the most noticeable digital asset of the Blockchain based currency. It was the first digital currency, and thus has by far the largest computational power to back it up. However, other blockchain based cryptocurrencies are gaining ground, each aiming at special purposes: Ethereum for smart contracts, Ripple for interbank payments etc. The cryptocurrency industry is still in its infancy but will mature over the next very few years.
The WEF (World Economic Forum) is predicting that by 2025, 10% of all financial assets will be in blockchain/cryptocurrency assets. That works out to be about $10 trillion (Europe: billion) in assets.
Our Bitcoin and Blockchain expert, Svend Pedersen, can offer you his extended knowledge as consultant or in developing your blockchain project.Go to contact
Smart Contracts
- Easy exchange of digital valuta
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- Skip the lawyer
- Escrow technology
- Automatically enforce obligations
We have developed our own smart contract. Contact us for more information.
A smarter contract
Being a first mover and a part of the early community, which is still small in Denmark, we see the Blockchain as something we all will have to take into account now, so we have developed our own Blockchain based smart contracts for freelancers but it can also be used in other contexts. A smart contract is a computer programme written into the a block in the Blockchain. It will automatically enforce the agreement that has been signed off on by both parties.
The Bitcoin
There are certain key points to notice and understand when investing in Bitcoin, like how the chain of digital signatures works, how the ledger is written and of course how Bitcoins get mined. Bitcoin, as you probably know, is based on blocks writing into a chain, which once written, cannot be manipulated, without the control of 51% of data power connected to the chain. We can be that partner that helps you gain insight and make the right decisions in line with what suits your situation best.
To store your keys which are essential for the connection to your coins, you will need a computer program to keep track of your keys. That program is called a wallet. The wallet in general is a facilitator in sending and receiving Bitcoins and applying ownership of the Bitcoin balance to the possessor.
Get started
Let CIMA Technologies be your partner in developing smart contracts or to kickoff the cryptocurrency journey with Bitcoin. We also have extended knowledge about Blockchain, so let us guide and advise you, to make sure you select the correct solution.
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If you would like to know more about how CIMA Technologies can help your company with Crypto, Blockchain technology or Bitcoin please write us a message or give Svend a call.
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+45 91 25 01 62


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The Alna Space Program presents some of the results from my spaceflight engineering hobby. For many years, I've been interested in methods of reaching space that either do not involve rockets, or assist in rocket flight. Most of the concepts have already been described in some form, but my interest is in pursuing the detailed calculations and simulations needed to flesh out the engineering. As such, I'm only interested in concepts with some degree of near-term feasibility. Exotic propulsion schemes that involve poorly defined physics or unattainable materials are not germane to this site.
The ultimate goal of non-rocket propulsion is to reduce the cost of transporting material into space. One reason that spaceflight is so expensive is that chemical rockets are at the edge of their performance capabilities when accelerating to orbital velocities. The result is that payloads are a tiny fraction of the initial rocket mass, and the whole rocket has to be extremely weight efficient. The non-rocket methods have the potential for dramatically increasing payload fraction. This should reduce the cost enough that serious space industry and large projects could be pursued.
The research pages will appear as I work on various topics. This approach means that the thought process and sequence will be nonlinear. I have some overall plan, but the presented work may have a lot of holes at any given time. For a more organized overview of concepts, I've included a biography page. The joy of being retired and independent is that I can jump around topics as I please.
Another aspect of this hobby is the use of Mathematica by Wolfram Research for my calculations and derivations. The detailed web pages have been generated directly from Mathematica. I also intend to share all of the notebooks and packages so that anyone can play along. It would be great if the work can generate some feedback, and therefore a forum has been included.
For now, questions, comments, and suggestions can be left at the accompanying blog. I use the blog to describe recent additions, and plans for future studies.
The title "Alna Space Program" is simply a bit of ironic humor. Alna is a tiny town along Midcoast Maine. When I arrived a couple of years ago, I was telling a local person about my interest in space. They laughed and said would be great to have an Alna Space Program. So here it is.
Recent Additions/Changes
- August 4, 2012. Added study Stress Waves After Payload Release for a Uniform Stress Rotovator.
- July 7, 2012. Added study On the Possibility of Using Whip-Action to Accelerate a Space Launch Vehicle.
- June 27, 2012. Dynamic Structures page added. Page includes a new study, "Stability of Earth Circling Ring".
- June 26, 2012. Added a software package for dynamic analysis of flexible structures using a chain model. See links for Chain Dynamic Model on Resources page.
- May 26, 2012. Added study "Notes on support cables for extreme towers"
- May 7, 2012. Added study "Mass of Extremely Tall Truss Towers"
The studies presented on this site were performed using Mathematica by Wolfram, Inc. The written documentation is also in the form of Mathematica notebooks. One of my secondary goals is to experiment with using Mathematica to document my work, and to make the calculation functions and programs available to other interested researchers and hobbyist. The summary documents are available in three formats; a conventional static HTML page, PDF format, and the Mathematica computable document format (CDF). The advantage of the CDF format is that it allows for interactive content. For example, much use is made of the "Manipulate" feature of Mathematica. In order to view the CDF format, you need to install the free CDF reader available from Wolfram. For compatible systems and browsers, the CDF file may open inside of the browser. See the Wolfram Site for the list of compatible browsers. Otherwise, right-click the files to download and open separately in either the reader or Mathematica. Typically, the summary document is based on more detailed calculation notebooks that are also available as *.nb files. These can only viewed using the CDF reader, but the files can only be modified from within the standard Mathematica software. Some familiarity with Mathematica syntax and operation is assumed in the notebooks, but not in the CDF files.
Copyright and License
The software and reports use the Creative Commons License, meaning that you are free to copy, and change. I request that credit be given. As you might expect with free software, use at your own risk. Hopefully, no one will fly into space without further error checking. Feedback is requested, and changes may be made to the source documents without notice.
Alna Space Program by Gerald Flanagan is licensed under a Creative Commons Attribution-ShareAlike 3.0 Unported License.


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Wayne Scoles, and now Henry Louis Gates: Is arguing with cops ever acceptable?
|Always it's within 1st Amendment rights.
|54 votes
|Never anything less gets in the way of police work.
|22 votes
|Sure and risk getting arrested. That's the cost.
|65 votes
|141 total votes
Be succinct, constructive, and relevant to the story. Leaving a comment means you agree to our Discussion Guidelines. We like civilized discourse. We don't like spam, lying, profanity, harassment or personal attacks.


text: CALL OF DUTY REEL DESIGN AND ART DIRECTION In early 2016, Infinity Ward (IW) wanted to discuss working together on the designs for their latest Call of Duty project, Infinite Warfare. I instantly jumped on board and felt that I could greatly help with their interesting design needs and goals. There was a massive list of tasks, and we worked on everything from the startup screen to HUD + GUI design. Here is a glimpse of some of the work created for the project. Thank you to the entire team at Infinity Ward for inviting me onto their project, and congratulations on all the hard work achieved to bring this project to life. Info Dash Dash Chevron up Chevron up RENDERS DESIGN AND ART DIRECTION Here are a few selected render passes of assets created for the Boot-up graphics; they were designed to further emerge the player's connection into the Infinite Warfare world. Info Dash Dash Chevron up Chevron up BOOTUP SCREENS DESIGN AND ART DIRECTION I knew I wanted to do something different and ahead of anything I've designed before, so I found this part of the project to be the most interesting task for me. Each design had to function the same yet differ in its own style and voice that was unique to the character or machine being played. Working closely with concept designer, Aaron Beck, we focused on finding the design and body lines of each of his characters to inspire the boot-up design and animation. After much collaboration and discussion with the IW team, shown below are some of the concepts and motion boards that emerged. It was really rewarding to see the final pieces come together in the actual game. Info Dash Dash Chevron up Chevron up HUD DESIGN HEADS UP DISPLAY The HUD designs were created during the beginning assignments on Infinite Warfare. The IW team wanted to focus this task around something plausible and real, but also set in aesthetics of the near future. During the design process, I opted to streamline the designs as much as possible while still keeping it in the theme of a future sci-fi war project. Using a design grid, I created various assets and pieces that could be shared between different layouts. Many different concepts were created for the HUD, but here are a few that I particularly enjoyed creating. Info Dash Dash Chevron up Chevron up START SCREEN DESIGN DESIGN AND ART DIRECTION The start-up screen tasks came along much later in the project. IW wanted this screen to open up in void space and have us fly through each logo as they would glitch apart. Since the boot-up designs from earlier worked so well, I felt it would be great to merge both worlds together. Animator, Alasdair Willson, did an excellent job bringing the assets to life and creating a great motion sequence. Info Dash Dash Client: Infinity Ward Art Director: Thomas Szakolczay Design: Ash Thorp Animation:Alasdair Willson


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Written on September 3, 2013 – 3:03 pm | by Brian Wallace |
Cap'n Crunch Commercial Breaks [Infographic]
The Cap'n is back and with his very own late-night talk show. He is quite entertaining as well, especially during commercial breaks. From wringing out his milk mustache to vocal warm-ups you can learn more about the Captain's crazy commercial break antics in the infographic below.


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I've always adored Valentines day, even when I was single.
I think Valentines are about love, not romance. If you have a romantic love, then by all means, add in some romance but let's not forget all of the other love that is out there.
I adore to make paper valentine cards. Here are the ones I've made thus far this valentine season.
I made these for the little girls I teach on Sundays. The lesson was "Heavenly Father and Jesus Love me" What a perfect lesson for valentine week. Inside they say "Heavenly Father and Jesus Love _____" Sadly, not a single one of them was at church on Sunday so I'll have to deliver them.
I suppose there's a bug circulating through the 3 year-olds in the neighborhood.
Another of my favorite Valentine activities is decorating sugar cookies. We invite a different family join us every year.
Tonight is cookie night, I baked these up last evening after the children were abed.
That's the best time for sugar cookie baking.
I've hatched some other lovely plans for the week and I hope I can see them through to fruition. Wish me luck and long nap-times!
Monday, February 11, 2008
1 comment:
- Annie said...
I still have that paper Valentine you made me freshman year. "I burn, I pine, I perish." I have many a times tried to copy it since. I was only successful last year.
- February 12, 2008 at 8:54 PM
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Top Brands:
Read the Review Transcript: What's going on? Jeff here. Just got off of the Rocker 2 108 from Salomon. I give this a 4 out of 5 stars It's actually a surprisingly blast to ski on. Even though it's a full cap construction ski. Full rocker little bit of camber under foot. This thing is just fun. We've got a little bit looser conditions here today so I just ran through that being a little bit wider ski. Extremely playful, extremely powerful, extremely strong. Even at a 108 it transitions very well. So dont let it's over all size fool you. I would maybe get it in some deep snow or a little bit longer version to see what you could really go after extremely sturdy and a really fun ski.


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Summer semester (ODKM program at George Mason University) has officially come and gone. As you are pulling together your summer reading list, maybe I can recommend a few gems from my own recently read list.
In no particular order:
1. Man's Search for Meaning by Victor Frankl – when I first saw this as an assigned text for the Leadership class, I was confused about the relevance, but after reading Frankl's beautiful work, I think it should be read by all future leaders.
2. Flawless Consulting by Peter Block – this tome is a must read for would be consultants. I also bought the fieldbook and companion, but I would not recommend it unless you get a great deal on the pair. Also, I have heard there is a new edition coming out this Fall, so you might want to wait till then to purchase it.
3. Confessions of an Economic Hit Man by John Perkins – Perkins drove me crazy with his ego and money lust, but he has a great story to tell and a lot of thought provoking commentary. I chose to buy this one as an e-book, which worked well.
4. Organizational Consulting by Edwin Nevis – Old school OD. This is the most theory heavy text that we read this semester. It is a short book, but packed with challenging ideas. If you need to read this for class, start early and take breaks to absorb the ideas.
We also read a tree's worth of articles. I will try to pick out a few to highlight in a future post.


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HOUSTON - Transwesten released the June 2015 Market Watch for Houston multifamily.
The report also contains recent sales, sales statistics and submarket overviews. The chart below shows monthly statistics for the Houston MSA.
Source: Apartment Data Services Inc.
For more Multifamily statistics, see Houston Market Research.
Our twice-weekly e-newsletter provides a quick overview of Texas real estate markets. Because your time is valuable.


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- What's at Stake When Government's Data Is Stolen Governing
- June 12, 2017 | Author: Shannon T. O'Connor
- Law Firm: Goldberg Segalla LLP - Syracuse Office
- In an article for Governing, Goldberg Segalla's Shannon T. O'Connor explains some of the costs — both tangible and intangible — of data breaches within government offices.
Shannon, an associate in the Municipal and Governmental Liability Practice Group, details several noteworthy cases of government data breaches, including one in which hackers stole personal information from over two million employees, students, and prospective students at an Arizona community college system.
"Taxpayers ultimately paid $26 million to settle the litigation and address the hacking event, including $9.3 million in attorneys' fees, $7.5 million in network upgrades, repairs and consulting fees, and $7 million to notify those impacted by the breach and pay for their credit monitoring," Shannon reports.
"Clearly government officials have a responsibility to address cybersecurity threats to their networks from both inside and outside their organizations," she goes on to explain. "Inaction is both costly and irresponsible, and failure to adequately address vulnerabilities can result in taxpayers footing the bill for costly litigation or regulatory enforcement. But something even more important is at stake: the public's trust."


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Stop us when this begins sounding familiar.
The United States women's national team is facing one of the up-and-coming teams in the 2011 Women's World Cup.
The United States women's power and speed will be pitted against their opponent's superior passing and technical ability.
The United States women are on the verge of silencing the echoes of Mia Hamm and Julie Foudy and the Class of 1999.
OK, you get the point.
First with Brazil in the quarterfinals, then with France in the semifinals, we've been here before: The US, twice world champions and three times Olympic champions, is up against a new breed of women's soccer team – one that has learned the game not by emulating the sport's traditional powers, but by seeking to revolutionize how the women's game is played.
For a week now, women's soccer has been playing king of the hill, and the US is the last of the old guard left standing.
Now, it's Japan's turn in the Women's World Cup final Sunday. If Brazil is Carnival with corner kicks and France is Rodin in soccer shorts, then Japan is the soccer world's I.M. Pei.
While the US women bear down on goal as through their tube socks are on fire, legs churning, hair flying, Japan peers out at 100 yards of green grass and sees a geometry problem to be solved.
Remember FoxTrax, that annoying glowing dot that Fox Sports used to put on the hockey puck? Well, if ABC did that with the soccer ball Sunday, the difference between the US and Japan would be instantly obvious.
When the US had the ball, that glowing dot would almost always be moving in one direction: forward. The US attack is a medieval siege, with 10 women attempting to place the ball on the head of their human battering ram, Abby Wambach.
With Japan, however, that glow would form a luminous spider web covering the entire field. Its goal, of course, is a goal, but the players are in no rush. They'll get there eventually, and they're not bothered by the prospect of making a pass or two – or 30 – to do it. Forward, backward, sideways – whatever, and usually all done to a clockwork metronome beat.
"They get you on that carousel, and they can leave you dizzy," legendary coach Alex Ferguson once said of the intricate passing of Spanish men's club Barcelona.
The same is true of the Japanese women, led by midfielder Homare Sawa. And in this way, they are not unlike France, whose Louisa Necib often made the US look like dogs chasing a squirrel until Megan Rapinoe came on with a third of the game left and changed the contest with her speed and energy.
That same storyline could play out again Sunday.
Japan is an upgrade on France, lacking perhaps a dash of the French artistry but more technically sound and never ceasing in their intelligent movement off the ball, constantly probing for weaknesses in the opposing defense. Midfielder Aya Miyama could also be the best free-kick specialist in the world. (Think David Beckham with a hair band.)
Yet for the people of Tokyo – and their women's team – Godzilla has nothing on Ms. Wambach. The tallest Japanese starter is 5 feet, 7 inches. Wambach is 35 feet tall. Or at least it must feel like that to opposing goalkeepers.
She has beaten consecutive teams by taking advantage of goalkeepers who appeared unable to fathom how tall she is, or perhaps more accurately, how high she can jump. At crucial moments, both Andreia of Brazil and Bérangère Sapowicz of France became fly swatters waving at the charging airborne rhino of Wambach at the far post.
What, exactly, can Japan do to neutralize the size of Wambach and the speed of super subs Rapinoe and Alex Morgan?
It can play its own version of playground bully and never let the US have the ball. It can turn on that passing carousel and never let the US get off.
It did that to Sweden in its 3-1 semifinal victory, and by the end the Swedish women looked like they were ready to reach for the in-flight motion sickness baggie. Can Japan do it to the US?
It will be a tough job. The ultra-fit US is unlikely to be worn down as easily as were the Swedes. Yet it seems likely that, no matter what the final score, the US could – for the third game running – look like the lesser team for a substantial portion of the match.
When it comes to myth-making and moving beyond the memories of 1999, when Mia and Co. looked less like soccer players than pony-tailed superheroes, that might not be the best formula.
For the game of women's soccer, however, nothing could be better.


text: Because of a reporter's error, a story in Monday's paper about paying bail for someone wanted by immigration authorities misstated a fact about convicted identity thieves. Generally, a person convicted of identity theft may not apply for citizenship for at least five years. Because of a production error, the answer to Monday's Jumble puzzle that should have appeared on Tuesday's comics page was omitted. The jumbles were: chime, swash, divert and gather. The answer: The aging basketball star doesn't lose this -- his height. The Tribune regrets the errors.


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United Accreditation Foundation (UAF) provides accreditation to Medical Laboratories as per ISO 15189,Certification Bodies for various Management System Schemes as per ISO 17021 including UAF Human Health Care Management System Scheme,Personnel Certification Bodies as per ISO 17024 and Inspection Bodies as per ISO 17020 based on assessment of their competence as per its criteria and in accordance with UAF and International Standards and Guidelines.UAF is a not-for-profit organization. It operates in accordance with relevant international standards and requirements and maintains integrity and impartiality while taking into account national and public interest. UAF aims to establish an independent, impartial and transparent accreditation system. As a not-for-profit accreditation body, decisions made by UAF are not subject to any commercial or financial obligations. UAF is internationally recognized and represents the interests of the stake holders at international forums through membership and active participation with the objective of becoming a signatory to international Multilateral / Mutual Recognition Arrangements (MLA / MRA) simultaneously ensuring measures to safeguard impartiality and objectivity of its accreditation process.
UAF is full member of International Accreditation Forum (IAF). The IAF is the world association of Conformity Assessment Accreditation Bodies and other bodies interested in conformity assessment in the fields of management systems, products, services, personnel and other similar programmes of conformity assessment.Read more
UAF is full member of Pacific Accreditation Cooperation (PAC) . The PAC.is an association of accreditation bodies and other interested parties whose objective is to facilitate trade and commerce among economies in the Asia Pacific region. It operates within the framework of the International Accreditation Forum (IAF) and in cooperation with other regional groups of accreditation bodies around the world.Read more
3510, Colmar, Norfolk, Virginia, VA-23509, United States of America.


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An Interview with President Saakashvili and Minister Kobalia
Pictures of foreign leaders and celebrities line the walls of President Mikheil Saakashvili's office in Tbilisi, including photos with Presidents Obama, Clinton and Bush.
"The culture and attitude of the United States is very meaningful to me," he says. "As a friend of the West, Georgia continues to learn how to improve and lead the region into the future." He further explains how the current and past presidents of the United States have provided Georgia a great deal of support with a true understanding of what the Saakashvili administration wants to do for the citizens of Georgia.
Serving as a hub for Asia and Europe, Georgia plays an important role not only for business but also in geopolitical stability. Trade with members of the European Union increased by 40% last year to $293 million. At the same time, NATO fully supports the inclusion of Georgia within the organization. Acknowledging that things are going in the right direction, President Saakashvili notes, "It's not a matter of if we join NATO, it's simply a question of how soon."
With Georgia's young population full of exuberance and diverse talents, it is not surprising to see where Saakashvili's optimism comes from. Donald Trump's recent multimillion-dollar investment to create luxury residential and hotel properties is seen as a stamp of international recognition and approval. Even so, the president is still not completely satisfied. He speaks of more foreign investments and infrastructure growth.
The push for sustainable expansion via clean energy and "green" growth is a matter of national pride. Georgia aims to serve as a model to the world in promoting market-based sustainable development. Georgia is encouraging environmentalism by launching electric cars throughout the country, and is making progress in hydroelectric energy. Georgia recently attained financing from the European Investment Bank to upgrade two major plants.
In the eyes of Vera Kobalia, Minister of the Economy and Sustainable Development, infrastructure is key to Georgia's future. The Minister speaks of projects that will fuel growth throughout the region. A new high-speed train, for example, will open in 2013, connecting the capital Tbilisi with the seaside city of Batumi. The train will serve as a gateway to Turkey and European nations by transporting travelers in a matter of hours.
"Our model for efficiency is rivaling that of Dubai and Singapore," she explains as she shows me models of the new airport in Svaneti designed to service low-cost airlines and private jets. Foreign investment in resort properties along the sea in Batumi is growing. The tourism sector, especially in the tropical zones, will play a central role in Georgia's growth, notes Minister Kobalia.
With diverse investments in a variety of sectors and global regions, including China, India, Brazil and the UAE, Georgia also stands to benefit from the rise of these new superpowers.
Another important goal for Minister Kobalia is to boost tourism throughout the country. She has set an ambitious goal of 3 million visitors in 2011, compared to 2 million visitors in 2010, and plans to promote a Free Tourist Zone in the Black Sea coastal town of Anaklia. Investors already include Ritz-Carlton, Kempinski Hotels and Radisson.
Looking forward, both President Saakashvili and Minister Kobalia envision Georgia becoming the epicenter of Central Asian commerce and tourism. Armed with strong values of capitalism and business transparency, Georgian society will undoubtedly become an international destination for business excellence. Saakashvili is ready to show the world a success story like none other.
Guiding Georgia to Prosperity
Prime Minister Nika Gilauri has many reasons to be proud of the progress Georgia has made and its reemergence on the world stage. After surviving the debilitating global financial crisis and recent bouts of Russian aggression, Georgia has become stronger, and all the metrics reflect a bright future. Its economy grew 6.7% in 2010, and partnerships with the European Union, China, the United States and Turkey offer new opportunities. Georgia is well on its way to becoming the economic powerhouse of Central Asia.
"Our country has come a long way," notes Prime Minister Gilauri. "We as a country have learned important lessons from the trying times of the past few years. Today, we emerge as a more resilient and healthy country."
In this year alone, unemployment has decreased from a 2009 high of 16.4% and exports have increased by 20.1% from 2010 figures. Georgia is thriving in key sectors, leading the region in agriculture, telecommunications, clean energy and tourism. Even the wine industry, one of the oldest in the world, has been booming, with 14 million bottles exported around the world, earning revenues of $60 million.
Prime Minister Gilauri attributes the many successes to the friendly business environment that Georgia offers. He explains that a market-driven economy, based upon the capitalism structure observed in countries like the United States, is the basis for the Georgian economic approach. This philosophy, combined with strong individual freedoms and property rights, provides the ideal environment for international businesses. Transparency International recently named Georgia the most transparent and accountable country in Eastern Europe and post-Soviet Union countries.
"Our country enjoys many freedoms and modern philosophies that are the essential ingredients in creating a base for healthy investments," says Prime Minister Gilauri.
The World Bank and the International Finance Corporation recently named Georgia one of the top countries in their annual Ease of Doing Business report. Georgia ranked 12th out of 183 economies in this report and leads the region in attaining credit and protecting investors. Institutional reforms and recent foreign investments have sparked a new type of interest in Georgia, one seen very rarely in Central Asia. Recently, the government issued $500 million in government-backed Eurobonds on the international credit markets. With demand five times higher than initially expected, the bonds were an instant success and demonstrated both the interest of foreign investors and their renewed confidence in the resurgent Georgian economy.
As the economy continues to expand and foreign investment pours in, Georgia is in a position to serve as a role model for struggling economies around the world and to share lessons learned. The current trajectory of progress promises to be only the beginning of Georgia's renaissance.
The Silk Road Group
The Radisson Blu Iveria Tbilisi is an award-winning five-star hotel in the heart of Georgia. This sleek, cosmopolitan glass tower rises high above the Mtkvari River and offers panoramic views of the capital city. In more ways than one, the hotel, which is one of the many properties owned by the Silk Road Group, represents the future of the Caucasus.
The country of Georgia has much to be proud of: an excellent business environment, positive growth prospects and leadership that ranks as one of the most transparent in the world. The Silk Road Group, led by Chairman George Ramishvili, aims to help Georgia achieve prosperity. Mr. Ramishvili speaks enthusiastically of the future of the Silk Road region where his company is active.
Named for the historic Silk Road, which was the most important trade route linking the East and the West, the Silk Road Group is developing new business partnerships that re" ect the region's rich tradition of international commerce. This multifaceted company leads the region in transport, infrastructure, real estate, banking, telecommunications and even sports. The Silk Road Group employs some 7,000 people with a turnover of $400 million. It comes as no surprise, then, that Donald Trump, the internationally renowned real estate magnate, chose Silk Road as a partner to undertake a $300 million Trump Tower residential project in the resort town of Batumi.
When asked what Donald Trump's partnership with his company represents, Mr. Ramishvili says: "Donald Trump is the brand of success. There is no doubt about it. His investments, and those of other foreign investors, show the world that Georgia is serious about being the leader of growth with the best possible environment for business."
"I am looking forward to being at the Batumi ribbon-cutting ceremony in the near future, and I feel President Saakashvili is doing a terrific job for his people." Donald Trump
Over the past few years, Georgia, like the rest of the world, has suffered due to the ramifications of the global financial crisis, but it has come back stronger, determined to exceed expectations. According to Mr. Ramishvili, Georgia's potential has been vastly underestimated, and only time will reveal the full capabilities of this driven nation.
"Silk Road's decision to bank on Georgia has paid off generously," he explains. "Now we are prepared to work with leading Western investors like Mr. Trump to forge strategic partnerships in key business areas."
Presenting Georgia's attributes as a tourist destination is one of the main goals of both the government and the Silk Road Group. World-renowned alpine skier Alberto Tomba was recently seen in the beautiful mountains of Georgia, where the Silk Road Group invited him to consult on a project to construct a ski resort rivaling those of the Alps.
The overwhelming optimism of Georgian business leaders is unparalleled in these times of financial uncertainty around the world. As the economy grows and prosperity spreads, global investors are beginning to take a closer look at Georgia, where the Silk Road Group is a force to be reckoned with in the rapidly developing private sector.


text:
Thursday, June 16, 2011
2 poems and a collab from Norrin Radd
Pour me a Bowl
back into form i storm
alarmed and clutching a forward
rewards are for the moralless drones
clones of a thief quilted
warm as a mid summers lightning bolt
i felt like 5000
smoking hash in the hallways of hostels in and along the border
storm waters brought on feelings of gathered conscience
smash hammer dagger mouthed class clowns wandering
we scaled the skyscrapers with great repoire
speaking of stocks intermittently
laughing as brashly as if colorado hadn't changed my world
dark storm clouds rolling on the lush green fields
fuel simply described as human motor oil
spoiled feelings on the lightning bugs underneath the moon
the stars
cars came rushing by as conversations pursued
consumed thoughts of blank delocation
as more is perceived
less is controlled by dablooms.
swooned by the swaying of starscapes my scalp was tingled by the news
the blues seemed the only thing appropriate in the smokey dimly lit pool room,the water glistened blue
this brings me back to her eyes,the beautiful ohio mornings that smelt like nag champa and cold rain
those mornings that let me compose this for you
when the world was in fractiles
and my muse in the next room.
the reason I still do this
so it will bring me closer to whom I believe I am
manifesting a way to see clearer
and recreate those days anew
she moves like a manta ray
making the days parade like
her eyes are a time stretch
clutching mornings in honest retrospect
clutch word introspect
the gages are built from a cleptomaniac
buildings melting realms
her scalp
I breathe lush yellow fields for health classes
I sat in a Denver rat trap
guarded by evil spirts and bad ju-juu,as if drugs were scarce.
Rare was it for I to smile.
Dull eyes
The visegoth resides in valhalla
Caught up in a long nap... (an FM NR COLLAB)
in a pair of green shades,
sat a rip van winkler
wondering if happy years
were something one
would find in its sleep...
or a muscle tension, hyperactive disorder
out of bounds, rust stained and carpet munched
it felt like three junes and two suns
when he woke up to the sound of
5 guns blasting holes
in the accused.
tied to a post,
forced to make with it
and mate with the conceptualized
of a dickless ape...
I think it was burgundy shades
the presentation was full of thoughts of escape.
lay lady lay,
lay across these big brass bergades.
stray alley cat lengths of strength
her mildness
spell bound ways of persuading
were less then hazing
more than a cascading wall of denial.
IN his life he struggled
in my life we mugged them
switch those around and have an answer.
we coughed that up.
they followed us up.
abrupt standard address tags that hold information vital
as sonar paths rumble
her eyes keep me star spangled and
imbibed with the ressurection
of a slaven dream,
the salutations commence
and burned are the tatters of a dress
burned are the ropes that tied wrists
burned are the hours we or he can sleep
"we'll look for more shooting glances
in the night sky."
i'll hear her whisper...
alors qu'elle se mourait
Nous portons cette couronne de droit
you can catch the Raddest here: https://www.facebook.com/dr.galaxy
Posted by The Meth Lab at 10:46 PM
Labels: bannon, dablooms, frankie metro, french, manta rays, poetry Norrin Radd, ropes, stars
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text:
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text:
While we discuss the snowball selling in Fannie Mae's stock price, snowball buying in Treasuries is helping Fannie MBS limp back to unchanged levels. In fact Fannie 4.0s JUST now hit +0-00 for the first time since this morning's Senate headlines. That puts them up 5 ticks from the sideways grind through mid-day.
Treasuries continue to fare even better with 10's now down to 2.764, themselves perhaps drawing some strength from languishing equities markets and corporate debt-related tradeflows (corporate accounts hedge by selling Treasuries and then buy back after their issuance).
Based purely on the difference in MBS Prices from mid-day to now, positive reprices are possible, but we'd note that we're in the midst of Class A (Fannie and Freddie 30yr Fixed) Settlement for MBS and that lenders tend to be less quick to reprice for the better or worse until after the settlement cycle (so Thursday).
After falling into negative territory after 10am, bond markets found support by 10:30. Since then, MBS have mostly flattened out and held on to most of the weakness while Treasuries came charging back into positive territory ("charging" is a relative term in this context considering all of the above continues to transpire well inside Friday's range).
The most plausible explanations for the noticeable MBS underperformance are the Senate GSE reform headlines along with the fact that it's Settlement time for Fannie/Freddie 30yr MBS (tonight is the roll).
Settlement always has the potential to expose imbalances between supply and demand as well as across settlement months. This is clearly contributing to today's weaker MBS performance as April deliveries are holding up better than March, but doesn't account for all of it.
The rest of the weakness doesn't have much else to explain it apart from the Senate headlines. While there's not a high probability of any near-term legislative changes, the introduction of this "new thing" means we have at least some small degree of uncertainty that didn't exist earlier this morning. Given the timing of the MBS Underperformance, it's hard to consider that it could come from anything else.
To say that Treasuries and MBS have been mostly sideways since Friday's NFP would be a vast and hilarious understatement. While markets may not be officially closed, these first two days of the week have been something of a gentleman's time-out. If this were a game of Cricket, the umpire has not stopped play, yet the cricketers have carried chesterfields and tea tables on to the pitch and sat down for a nice cup of Darjeeling until they can all agree that it's time to start playing again.
Certainly, Cricket is the furthest thing from their minds during that imaginary conversation just as legitimate, profit-oriented trading is far from the minds of bond traders so far this week. Just biding time until something changes.
Note yesterday's "funnel of consolidation" leading to today's "spout of ultimately sideways narrowness." Those are highly specialized technical terms, but you get the idea. Bonds are sideways. Nothing to trade.
In this environment, the motivation to end the tea party can come at any time from any event that speaks loudly enough. It could be larger tradeflows born of the necessity of corporate debt hedging or simply a disconcerting headline regarding Ukraine (though a word of caution there: the press will continue to magnify any Ukraine-related headline, whether meaningful or not. Only trading levels can tell us what markets deem important. So far, for all the "military drills" and other seemingly interesting headlines, nothing has really registered in more than a week).
There is no significant economic data on the calendar apart from Wholesale Inventories at 10am, which is arguably not that significant. 1pm brings the 3yr Note auction which might almost be a detectable market mover, but usually isn't.


text:
Some people who have had recent bladder surgeries and other ailments likely want to know: "where do I buy catheters?"
The sad fact is that some medical health care professionals leave patients in the dark about where to buy medical supplies like foley and bard catheters. Others, don't even provide their patients with resources on where to purchase affordable medical supplies either for themselves or a loved one.
Luckily this article will tell you not just where to buy catheters but where to get them for free as well. That's right, if you'd like to sample different types of catheters including, olive tipped , 16 coude, and 22 french catheters, you deserve the right to have that flexibility, because in fact, not all catheters are made the same.
What are Catheters?
Urinary Catheters are simply devices which help people to empty their bladder.
Often times people undergo surgery or have physical limitations in being able to empty the bladder, so a catheter is required. Catheters are plastic or rubber tubes that are inserted into the urethra, leading into the bladder for urinary release. Women and men alike are able to use catheters. But there are some that are more comfortable for men than women, with the converse also being true.
The coude catheter, for example, has a tiny tip which is curved in a way that makes it easier to pass through the prostatic urethra. All catheters come in french diameter sizes.
A 22 french catheter allows for the free flow of urine large enough to control leakage and help contain larger amounts of urine sediment. The risks for larger catheters is damage to the urethra.
And thankfully, the design of catheters have even evolved over time. Some are so tiny that they can fit into a small purse or pant pocket. And this is important when people require for their catheters to be discreet.
Free Catheters
Before discussing where to buy catheters, it's equally important to underscore the point that you can often get catheter samples for free. This includes olive tipped and large sized catheters as well. All you typically have to do is ask.
Check with your urology nurse, physician or other health care professional. As stated before, the technology changes often and many catheter manufacturers are more than happy to let you sample different size french catheters for absolutely free. Don't be deterred even if your insurance company or Medicaid states they will only pay for certain brands of catheters, you do have an option in getting free samples and even making the appeal to your health insurance provider or Medicaid that you've found something better you'd like to use.
Where Can I Buy Catheters?
Well the answer is pretty simple. You can go to plenty of reputable catheter suppliers and manufacturers. These companies also have no problem in providing samples as well to you.
- Liberty Medical 1-855-203-9556
180 Medical – 1-877-688-2729
Liberator Medical – 1-800-323-0914
You can give these companies a call to get a variety of urinary medical supplies, so that you 'll never have to ask: "where do I buy catheters?"


text:
|Dry run in the music room, books not included! Or beige carpet, thankfully.
Tuesday, 23 October 2012
Jewellery Fair Display
15 comments:
- AlisonMooreDesigns said...
That stand looks FABULOUS Rebecca!
If you work out a way of punching holes into display cards consistently do let me know! I'm sure I'll be pinching a few of your tips for Perth ;-)
- 23 October 2012 at 10:09
- Pips said...
It looks amazing Rebecca!! Just beautiful and I am sooo jealous!! I am so happy you had a good day, it makes all the hard work so worth while! I have been taking card payment for 2 years now at craft fairs and that has made a big difference to my sales - people do like to use their cards, I am sure it will work out brilliantly for you. I did wonder where you could look out and see your customers and now I know!! You do need eyes in the back of your head at fairs, I know! Here's to many more successful days with your beautiful set up!
- 23 October 2012 at 10:14
- Dotty Delightful said...
wow what an inspiration, Im sharing this all over the social networking sites, looks lovely well done you x
- 23 October 2012 at 10:23
- Doris Stumpf said...
Love your way you present your great stuff! Hugs, Doris
- 23 October 2012 at 11:46
- My Life Under the Bus said...
Love this set up Rebecca but it would bother me too not being able to see what people are up to - and talk to them easily. I have been lucky in that all the shows I've done have been 2 tables with me in the middle so it didn't matter how high I made them. ...and I still don't understand why you won't take all those books with you! lol
- 23 October 2012 at 12:11
- KayzKreationz said...
I haven't gone to any craft fairs to sell my jewelry yet. Not sure how I'd set up, but I love your set up/look. As just an aside, if you liked the look of the books behind your set up in your first pic, you might look for some material that features books/library look and make a curtain to hang behind the crates and tables, then you have the same look. Congrats on your first credit card sale, too.
- 23 October 2012 at 14:16
- Marcie Abney Carroll said...
Congrats on a great market! Just curious, can you access Square in the UK or Intuit. These are super simple card readers that you use with just your Iphone and I know quite a few crafters who've had tons of success with them.
- 23 October 2012 at 14:40
- Heidi Post said...
It looks fabulous. I think putting your earrings on cards was just what it needed actually. Though I wouldn't like to have my sight line blocked. Not only can you not keep an eye on thieves, it makes it inconvenient to talk to people. I'd want to be out front the whole time.
Your credit card set up sounds a bit complicated. Do you not have Square there? https://squareup.com/?gclid=CN_N6renl7MCFY1DMgodUEsAzA
Anyway, congrats on the new booth :)
- 23 October 2012 at 15:06
- Leigh Thow said...
I love it and especially the bottles and the wooden snack tray at the front, I remember setting them out with food for my mums partyplan parties lol! I know others have mentioned and yourself about light/dark areas, perhaps some natural cream coloured hessian or cotton to the back of the darker or lower backs of crates etc. The idea in a previous comment about the backgrounds screen showing books is a fantastic one and I will keep that in mind for the banners my other keeps talking about lol :D
- 23 October 2012 at 17:17
- Leigh Thow said...
I also meant to say that I never or hardly ever carry cash so the card payment facility is brilliant.
- 23 October 2012 at 17:18
- Holly said...
Rebecca, oh, I love how you've revamped your displays! The crates are lovely and eyecatching, and those glass bits and pieces are the perfect touch. I'd be a bit off too, I think, if I couldn't see over the displays...but that's an easy fix, I'd think ;)
When I do shows, yep, my displays are ever changing as I've got an addiction to Pinterest!
- 23 October 2012 at 18:41
- Green Shoot Jewellery Designs said...
Great stand! As a customer, I like to see something different but eye catching. Being drawn to anything that reminds me of the sea, I particularly liked a jewellery stand i recently saw which had pieces of driftwood and aqua coloured chiffon for the table. Height is a must, as are natural looking props, I love the bottles you've used.
Deb x
- 23 October 2012 at 21:32
- lynsey said...
Rebecca, I'm so happy to hear you had a successful day at the fair.
I've never had a stall at a fair so can't offer you any advice there, although I do kind of love the book back ground, maybe you can take an image of them and blow it up to a huge poster to use as a back drop!!
- 24 October 2012 at 18:36
- Cynthia@Ornamental Style said...
I do think the display looks great. I do know that I wouldn't want to be carting that log around though. So that you can keep the height of the displays, what about having the table against one side? Do you have multiple tables with this height? If so, you could place them on opposite walls (parallel to each other so that if a customer is facing the booth, the tables are on the right and left walls). And then another table with a low display or just your checkout table at the back wall.
Or, with two tall tables, they could be placed in an L shape and your station (chair, checkout) could be in a back corner. And if you need a third table, it could be short displays and next to you.
I've mostly done open houses at home and don't use any props. I use necklace stands to display the necklaces and use plexiglass risers (that I had custom made to my specifications) to vary the height. My earrings are on cards and go on copper stands that hold about 24 pairs. My bracelets I display on bracelet ramps. Not a very interesting display but since people are coming to my home to look at jewelry, it's been okay. I haven't needed to entice them to come in to look by providing an attractive display.
However, I am doing my first outdoor booth next month and while I don't want to collect a lot of props (storage concerns, money, and carting them to the show) I will need to make my booth more attractive. I do prefer necklace stands because they show off the jewelry nicely.
Regarding earring cards, I designed and print my own. I've printed little circles where I need to punch the holes. If you don't print your cards, you could make a template of one of your cards, lay it over the new card, and make pencil marks for the hole punch so that you can get consistent marks every time.
- 25 October 2012 at 15:12
- Shannon Chomanczuk said...
Lookin good! I drill my cards with a regular drill so I have a template so my holes are even every time.
I love the look of your hang tags, do you make them? Do you have them made? Do you have a close up shot?
I have an obsession with tags, boxes etc.
- 27 October 2012 at 21:26


text: "Greetings, citizens of the printerverse, Deborah Corn, Print Media Centr, here with today's Social Media Minute, and we're going to be talking about rate and frequency. So, people are usually very concerned about how much should I share, when should I share? They like their little formulas, and I get it. You know, there's things to do during the day and you want to plan in your social media. But, it's social media. Meaning that, you have to understand your audience to understand if you're sharing enough, if you're sharing too much, if you're sharing the information that they're interested in, if your information is attracting new people to your conversations. So, there is no specific, you know, this amount of sharing is the proper amount. However, it's very important to watch the audience if they start leaving you, if they start unfollowing you, then you need to look at what you're doing. Don't just assume, 'Oh well, they're not right for me.' Look at yourself and see how you can cater to everybody who's giving you their attention. So, that's today's advice, rate and frequency, know thy audience. See you next time."


text:
Egypt Kills Local Al-Jazeera Affiliate And Other Muslim Brotherhood Outlets
The Associated Press is reporting that Egypt has pulled the plug on Al-Jazeera, as well as other Muslim Brotherhood TV outlets in their nation:
(AP) Egypt court bans Al-Jazeera TV affiliate
Egypt's state news agency says a court has ordered Al-Jazeera's local affiliate to stop broadcasting, along with three other stations known for their coverage of Muslim Brotherhood protests, saying that they had operated illegally.
Here in Omerica, Al-Jazeera is doing just fine thanks to #Progressives like Al-Gore.
Posted by Andrew Marcus – Director, Hating Breitbart
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text:
Caregivers are often so focused on managing their parent's health and financial needs that they don't even think about their own future needs. Although your focus is on providing care for your loved one, it's important to think about and prepare for your own future financial and caregiving needs. If you haven't done it already, now is the time to start planning for own your retirement.
"It's hard to find the time, but planning for your financial future is a necessity," says Erika Mielke, a Wells Fargo Private Bank senior wealth planning strategist. "Thinking about the dollars and cents of your own retirement is the best way to ensure you have the funds you need as you age."
Mielke suggests these tips to help caregivers plan for their own financial future.
Take full advantage of employer programs
If you or your spouse is employed, make sure you are taking full advantage of the financial programs your employer offers. Some examples:
- 401(k) – The 401(k) is set up by your employer and is designed to help you save (and build) money for retirement. The money you contribute to your 401(k) is pooled and invested in stocks, bonds, mutual funds, or other types of investments. You choose the type of investment from your company's list of options. Usually your contribution is deducted from your paycheck before taxes and goes directly into your 401(k) account.
- Company matched contributions – Many companies will make a matching contribution to your 401(k). Your employer might match 10 percent, or even 100 percent of your contribution to your retirement account. This is like getting a bonus, so it pays to put in as much as you can afford. Understand how your employer is matching contributions. Some will match your contributions with company stock. As a result, a large portion of your investment will be in company stock. "Diversification is important. As a general rule, you don't want more than 10 percent of your net worth in any one asset," Mielke says. Check with your HR department on rules and restrictions for re-balancing your funds, which would enable you to sell some company stock and re-invest it.
- Flexible Spending Accounts (FSA) – Depending on the type of health plan you have, you may be eligible for a flexible spending account. An FSA lets you set aside money, and the funds are taken out of your paycheck before taxes. You can use the account throughout the year to get reimbursed for eligible health care and dependent care expenses (including elderly parent care expenses) However, FSAs are set up and owned by the employer, so how much you can contribute is determined by your employer. If you change jobs, you can't take your FSA with you. Also, you must use all the money in the FSA by year-end, or you lose it.
- Health Spending Accounts (HSA) – If you have a high deductible health plan, you are eligible to create an HSA. An HSA has different rules than an FSA. The maximum a family can contribute annually is capped by the IRS at $6,250. It is a bank account that you own and you can invest it as you choose. You can only access the amount of money that's in your account. When you start contributing – in January for example – you will have less money than you'll have later in the year. An HSA is not "use it or lose it" meaning if you don't spend all the money in the account by year-end, it rolls over to next year, and you can take it with you if you change jobs.
Explore alternatives
The IRS caps the amount you can contribute to your retirement plans at $16,500. That includes 401(k), 403(b), IRAs, etc. Once you have contributed the matching amount to your 401(k) and if you are able to contribute more, then you will want to explore whether to add more to your 401(k) or whether an IRA might be good for you. Depending on your income, a Roth IRA might be a good choice because the money goes in after you've paid taxes. The money grows over time, and when you take it out, you don't pay taxes on it again.
Don't "set it and forget it"
Whether you have your money in 401(k), IRA, company stock or any other investment option, keep tabs on where your money is being invested. Too many people make a choice when they sign up for the plan, then let it ride, and never make changes to it. "Don't set it and forget it," Mielke advices. "Be involved in how your money is allocated. In most cases, as you get closer to retirement, your portfolio should be shifted to include less risk." She recommends having a conversation with a financial advisor. If your plan is administered by a financial firm, find out if they have advisors you can speak to. If not, hire one yourself. It's a critical step in financial planning.
Browse Our Free Senior Care Guides
Think about long-term care now
"Caregivers are on the front lines of seeing first-hand how much long-term care facilities cost," Mielke says. However, too many don't think about their own long-term care needs. Long-term care is an insurance policy that covers costs that arise when a person needs on-going care including home care, hospice care, nursing home care or care in an assisted-living facility.
Mielke says the best time to buy long-term care insurance is usually in your 50s. That's when the prices are the best, but it can still be affordable after that. Before you buy, know the terms, and fully understand the policy you choose. Some questions to ask about any long-term care policy you are considering: What are the maximum daily benefits? How long will coverage last? Is coverage transferrable between spouses? If you don't use it, does it turn into life insurance? Does the policy take inflation into account?
Another aspect of financial planning is insurance. Do you have the right type of life insurance? There are many different options, such term or whole life available, and finding the right type depends on your personal situation.
Property and casualty is another insurance caregivers should consider. If other caregivers are caring for your parent inside the home, how are they insured? What if they are injured? What is the liability to the homeowner? "Getting umbrella coverage with your property and casualty that is equal to your net worth is relatively cheap, and it prevents against your net worth being wiped out due to an accident," Mielke suggests.
Legal documents: Key to financial planning
In addition to building a solid financial base, caregivers must have legal documents in place, such as financial power of attorney, healthcare power of attorney, and a will. Each document serves a specific purpose. For example, POA indicates what will happen if you are incapacitated and unable to make decisions for yourself while you are alive. A will covers how your estate is handled when you die. The various financial documents work together to ensure your wishes are carried out.
Legal documents coordinate with financials – which is why they are a key part of good financial planning. Make sure you work with an expert to ensure everything is titled appropriately and that the POA, will, and life insurance documents are examined in conjunction with financial planning documentation.
Not all financial planners are created equal
When it comes to financial planning, don't go it alone. Every state has different rules; IRS regulations are constantly changing; and legalese can make even the savviest consumer's head spin. It's best to work with a professional who will take the time to understand your goals and individual situation and advise you accordingly.
However, not all financial planners are created equal. Some financial planners are tied to specific companies, products and services. These organizations tout "free financial planning assistance." However the financial planner you work with is incented to sell you that company's products and services. They are being compensated for the products they sell. A better option might be to find an independent financial planner that is not tied to a particular financial firm. They charge a fee for their services, but you will get unbiased advice, and find the right products for your needs.


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Inside Out: Gehry and Lanya's Life Meets Art
Name: Gehry and Lanya
Location: Brooklyn, Oakland, California
Size: 1150 sqft 1 bedroom in an 1896 Victorian home
Years Lived in: 2 years
"The apartment is special and worth honoring," says Lanya. Both Gehry and Lanya love to travel and have an incredible knack for creating community.
Their home is the nexus of those interests and is seeped in the impact of the people they have met around the world and around the corner. Specifically, the color palette and the impromptu dance space attest to the amount of time they have spent in South and Central America…
For all Inside Out tours, click here!
Recently, they threw a party and asked all the guests to contribute a piece of art. Now, the house teems with their own creativity as well as the expressions of their neighbors.
The home has definitely been a work in progress. The constraint of living within the landlord's guidelines and landlord's tastes is tough for Gehry but he works around it as best he can. Gehry and Lanya also work around the fact that their house is haunted and there is nothing they can do about it but embrace the ghosts and move on.
Gehry and Lanya enjoy the expansiveness of their home and appreciate the light and the views with every meal, and every time they sit up in bed.
Style: art's/crafts vs. modernist
Inspiration: japanese (and local artists)
Favorite Element: sunlight bouncing off the angled walls;
leaving window sills free of clutter; views are
Biggest Challenge: working around the
permanent elements imposed by the owner, and keeping it clean!
Biggest Embarrassment: liking spider
Proudest DIY: tile table over card
Biggest Indulgence: custom cut organic futon
cushions over wood core doors (for sitting and
enjoying tea)
Dream Source: The earth.


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Alia-Shahid's film 'Shandaar' in trouble
The shoots of the upcoming bollywood film 'Shandaar' starring Alia Bhatt, Shahid Kapoor, Sanjay Kapoor and Pankaj Kapur was stalled on Monday, due to workers's strike.
'Shandaar' the directorial venture of Vikas Bahl landed in trouble when the shooting of the film was stopped by the workers union. The workers went on strike in Essel Studio in Mumbai over monetary issues on Monday. We learnt it that the producers of the film had not cleared the dues of the workers which was about Rs 700,00.
Although the producers had promised to pay 400,000 but the workers did not cancel the strike. When was asked about the issue, the general secretary of the worker union told the media that they will not resume the shooting until the full payment is cleared. "They have this habit of holding onto the payment. They cleared our 'Bombay Velvet' payments only when Shaandar went on floors. We will not allow this to happen, " said the secretary.
According to the reports the shooting resumed the same day when producer promised to pay entire dues by the end of the day.


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Homer portrays Odysseus as a very strong and confidant man. Odysseus also has his faults, such as over confidence at times. He follows the heroes journey just not in the same way we think of today.
An example from the poem that helps give an understanding to how strong and confidant Odysseus is when he is trying to get away from Calypso he shows he is till loyal to his wife and kingdom. On the journey off the island he is also forced to swim for days with no rest and only very little help.
An example of his over confidence is when he is a guest on Phaeacia Odysseus is challenged to a competition and he believes he will win against men that are half his age and are in better shape then he is. When Odysseus goes against Polyphemus he is very overconfident and taunts the cyclops.
The Heroes journey in The Odyssey follows the same path mostly except when Odysseus is on Phaeacia and is telling his story. This doesn't completely follow it because it goes through his trials before this story even started.


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Conor McGregor vs Cole Miller has been discussed since the American called out McGregor after his victory over Andy Ogle at UFC Fight Night 30. During his post-fight interview, Miller called McGregor, "Colin McGoober". That set off the Irishman and he wanted to fight in Miller. He got his wish. The UFC announced McGregor will fight Miller in the main ...Read More »
Tag Archives: Cole Miller
UFC on Fox 10's Donald Cerrone Says Cole Miller "Is A Turd The UFC Ain't Flushed Yet"
We talk to lightweight Donald Cerrone who fights Adriano Martins on the main card of UFC on Fox 10. Cerrone discusses his favorite winter extreme activities, why he wants to fight six times in 2014 and more. Follow Between The Ropes on Facebook and Twitter.Read More »
UFC Fight Night 35 Bonuses: Luke Rockhold Highlights Bonus Winners
It was a good night for Luke Rockhold tonight at UFC Fight Night 35. The former Strikeforce middleweight champion notched his first UFC victory with TKO victory over Costas Philipou. To make the night even better, at the UFC Fight Night 35 post-fight press conference UFC President Dana White announced as part of the fight night bonuses Rockhold won $50,000 ...Read More »
Watch UFC Fight Night 30 Prelims On BetweenTheRopes.com At 12:15 PM ET
UFC Fight Night 30 takes place today at the Phones4u Arena in Manchester, England. There are six preliminary fights that you can watch at 12:15 p.m. ET here on BetweenTheRopes.com. The main card then shifts over to Fox Sports 2 starting at 3 p.m. ET. Here are the fights you will be able to watch here on the website. – ...Read More »


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Mick Abrahams, founder member of Jethro Tull and Blodwyn Pig, played a few gigs with Screaming Lord Sutch & The Savages when he was lead guitarist of Neil Christian & The Crusaders.
At the time, Mick, drummer Carlo Little and bass player Alex Dmchowski were just filling in until Dave Sutch, who had just lost Ritchie Blackmore (of Deep Purple) to Jerry Lee Lewis, got a few new guys in his regular band.
Some months earlier, Christian had lost his previous band (including drummer Tornado Evans, bass player Andy Anderson and on guitar… Blackmore)… to Lord Sutch & The Savages!
The gigs were at Walthamstow Baths (London), The California Ballroom in Dunstable (Bedfordshire) and somewhere in Leeds (Yorkshire), in mid 1965.
Screaming Lord Sutch & The Savages took part in the "Big Beat Night", at Dunstable California Ballroom on June 18th 1965 , supported by The Prowlers and The Knight Errants.
Mick Abrahams:
"It was with the Crusaders which was Neil Christian's Band at the time. I don't think we did more than around three gigs with him . I seem to remember that at the time, we were just filling in until he got a few new guys in his regular band. The gigs were at Walthamstow Baths ,The California Ballroom Dunstable and the other one was somewhere in Leeds in some dance hall which I believe is now a shopping mall".
"We had to dress up in orange shirts, tight black trousers and white boots and wiggle our asses. If you saw how fat I was then you'd know why I didn't fancy it"
"David Sutch did exactly the same set as Neil Christian hence it was easy to do it without extensive reheardsal ! Incidentally, he still owes me £15.00 for the last gig!"
After this three-day stint with Screaming Lord Sutch, Mick went on to join a band called the Goodtimers with, amongst others, bass player Dave Cakebread, keyboardist Graham Waller and saxophonist Bernie Etherington who then became the new set of Neil Christian's Crusaders for five months before joining The Toggery Five from Manchester in late 1965.
Adrian Gurvitz and his brother Paul formed the trio GUN of "Race With Devil" Fame.
But his career began to take off when he joined Screaming Lord Sutch and embarked with his Savages for a 9 week stint.
The late Tony Dangerfield (deceased in July 2007) did discover him when he was 18.
Dangerfield first joined the Savages in early 1964, as a replacement for bass player Rick Brown.
He had been groomed for stardom by producer Joe Meek and recorded a single then tour of his own with a band called the Thrills from May 1964 to July 1965. He then found himself back with the Savages in mid 1966, and toured with them in Sweden and Germany as "The Roman Empire", alongside Ritchie Blackmore, in early 1967.
Tony Dangerfield wanted to go back to being a solo artist and had a deal on the cards with Robert Stigwood.
One day, he came into The Gioconda coffee bar in Denmark Street, London, and asked if anyone played guitar while Adrian was hanging around and having a cup of tea. Gurvitz was hired to play in the Savages, alongside pianist Freddy fingers Lee and drummer Carlo Little. He was bundled into a van and driven off to Newcastle to play with them. Soon after Little left to join the Billie Davis Band and Johnny Banks, formerly with the Merseybeats, took over him.
Then, in summer 1967, Dangerfield, Banks and Gurvitz went on to join Rupert's People, a band put together to capitalise on the success of the single "Reflections Of Charles Brown/Hold On" (Columbia DB 8226) recorded by Les Fleurs de Lys.
Richard Havers about Rupert's People:
"I have several cross references for Adrian Gurvitz being in the Savages, along with Tony Dangerfeld. As for venues it was I suspect in 1964 so it would have been all the usual clubs… This is from my files: Adrian Gurvitz in their ranks had formed a group Adrian's Wall with Louie Farrell in Dagenham. Adrian was hanging around The Gioconda coffee bar in London's Denmark Street when in walked musician, Tony Dangerfield… asked if anyone played guitar. Within minutes Adrian was bundled into a van and driven off to Newcastle to play for Screaming Lord Sutch's Savages, he stayed with them for 9 months. While on tour with Sutch he met Billie Davis, switching to her group for a few months, before moving on to play with Crispian St. Peters. Then he joined Rupert's People with Tony Dangerfield."
Tony Dangerfield:
"We went out to Germany with Neil Christian and we didn't came back, Ritchie [Blackmore] and I stayed in Hamburg. This is when the idea for Deep Purple came about… We flew back and Ritchie went down to his parents… and I was hanging about in London... For 4 or 5 weeks afterwards Ritchie was sending me letters from Germany asking when am I coming back…"
"Stigwood was trying to sort out a deal for me, but I was in a pub down Denmark Street with Alex Harvey, when the phone rang. "Is there a bass player in there?" That's how I joined Rupert's People with Adrian Gurvitz on guitar, John Trout - later keyboards with Renaissance - and my flatmate Johnny Banks, once the Merseybeats drummer. A single, 'Reflections Of Charlie Brown', had been recorded already as a ripp-off of 'A Whiter Shade Of Pale, and we bubbled under the Top Forty for three weeks, but Rupert's People only lasted for three or four gigs. We were also accompanying people such as Crispian St Peters."
Adrian Gurvitz:
"Tony came into a coffee bar one day and asked if there was any guitar players.
I was there having a cup of tea and quickly replied yes, in that moment I was hired to play in the Savages, with Tony, Freddy Fingers Lee, and Carlo little on drums… then later John Banks. We played for Screaming Lord Sutch for a considerable time. While on tour with Sutch I met Billie Davis, we switched to her backing group then moved on to play with Crispian St. Peters, who was also managed by my father."
Brian Gill, guitarist with The Symbols
"Ade did played guitar for Screaming Lord Sutch and the Savages… must have been in 1967… I know Ade was playing with Pete Dunton in Please, and he also did a stint on bass with The Symbols in 1968. When Louis left the Gun Pete took over. This would have been in 1968, the year the Gun had the hit. I know because Ade bought a new blue '68 MGC sports car, which had a 'C' registration plate with the proceeds of Race with the Devil."
Peter Dunton, drummer with The Gun:
"I was the drummer in The Gun after Louis Farrell in 1969...I played with Adrian Gurvitz before and after his stint with Screaming Lord Sutch, in Please and The Gun. However, I lost contact with him while he was playing in the Savages…"
Malcolm Douglas Longstaff, otherwise known as Kylastron Mac, played Lead Guitar for a short time in the Savages during 1964 then some weeks in July 1965. He later went on to play with the Nice, on their second album 'Ars Longa Vita Brevis', released in September 1968.
He had earned his nick name from years of playing lead guitar with the popular Newcastle instrumental group, the Kylastrons, both in England and Germany, in the early 1960's.
Roger Smith, tenor sax player with the Kylastrons
"I first met Mac at the beginning of 1965… when I got a call from him, inviting me for an audition with his band – a reformed Kylastrons.
After the Kylastrons broke up in May 1965, Mac and Bernie Watson, the keyboard player, joined a North East band called the Vermen. I have a note in an old diary dated 18/07/1965 that Mac was playing for Lord Sutch… He may have done some earlier work with Sutch as a stand-in guitarist in 1964. I can remember when I first joined the Kylastrons at the beginning of 1965, Mac told me that he had previously played with the Screaming Lord Sutch and the Savages…
A few years later he would play and record with Keith Emerson in the Nice, appearing on the Nice's 'Ars Longa Vita Brevis' album."
Post Scriptum
Is there anybody have seen Screaming Lord Sutch & the Savages featuring Malcolm Longstaff in 1964 and in summer 1965, and know their line-ups and material then?
We have tried to ensure that these articles are as accurate as possible. However, we accept that there may be errors and omissions and would be interested to hear from anyone who can add material or correct any mistakes.
Please feel free to contact us with any further information or corrections at: firstname.lastname@example.com
Posted by The Book Of Bands by Alain, Christine and others
1 comment:
I have the ancient battered beige Vox AC30 ex The Crusaders band used by some of the above. Anyone know anything about it? I got it in Mitcham from some exband guy about 20 years ago ie not too far from Neils 60s place.
- September 25, 2012 at 9:08 AM
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Was nice hot day about 2 weeks ago and that was last hot day, then weather went to 60F/15C and stay until today, not feel summer at all now. Hope it will change soon, and at least I can recall summer weather looking at those pictures.
I wearing:
Tank Top/ Terranova
Skirt/ H&M
Sandals/ Venezia


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Over the past 20 years, exchange-traded funds have gone from an interesting innovation to a $1.2 trillion business. Increasingly, investors have turned to ETFs as a complete replacement for traditional mutual funds, and the drive to hasten that switchover by introducing actively managed ETFs has accelerated recently.
The problem, though, is that with nearly 1,500 ETFs available on the open market, it can be hard to pick the right one. Even once you narrow yourself down to a particular category, you may find several different ETFs that appear almost identical, from their investment objective to the holdings in their portfolios. How can you make sure you make the best choice?
Let's take a look at three factors to keep in mind as you shop for ETFs for your portfolio:
1. First and foremost, look at cost
Sometimes, the only attributes that really distinguish two ETFs are their underlying costs. Although you may think you get what you pay for, with ETFs, that's rarely the case. The entire point of an index-based investment is to reduce cost, so making sure you get cut-rate pricing is a big part of the game.
For instance, Vanguard MSCI Emerging Markets
One key, though, is to consider all the costs involved with an investment rather than just expense ratios. Although the SPDR Gold
2. Understand subtle differences
Often, ETF names will be similar enough to be confusing. But it's important to grasp all the nuances that distinguish one ETF from another to make sure you know what you're getting into.
Nowhere is this more confusing than with dividend ETFs. For instance, Vanguard Dividend Appreciation
Meanwhile, the Dividend Appreciation ETF looks first not at current yield but rather at stocks that have a decade or more of annual dividend increases. That's why its yield is a percentage point less than the High Dividend Yield ETF; it includes Royal Gold, for instance, which yields just 0.8% but has the consistent dividend increases that qualify the miner for the ETF's portfolio.
3. Make sure the ETF gets it right
Finally, even if an ETF sounds like it does what you want, check to see if it has actually delivered the goods in the past. Unexplained disparities can indicate something to dig further into.
My favorite example of this phenomenon is the United States Natural Gas
Sometimes, you won't be able to find an effective ETF that matches up with your exact specifications. But before you settle for second-best, be absolutely sure that the alternative is really what you want. It may be smarter just to give up on your quest for an ETF entirely rather than accepting one that looks like it's "good enough."
Be smart about ETFs
Exchange-traded funds can make you rich if you use them well. It's important, though, to keep track of their quirks so that you don't end up with the wrong ETFs in your portfolio.
Dividend ETFs are one way to get solid income, but individual stocks might give you of what you're looking for. Get some great ideas in the Fool's special report, "Secure Your Future With 9 Rock-Solid Dividend Stocks." As the name implies, you'll find nine of the best dividend companies in the world, and best of all, this report is completely free, so don't miss out!
Fool contributor Dan Caplinger looks for the best ETFs. He owns shares of Vanguard Dividend Appreciation and iShares Emerging Markets. You can follow him on Twitter @DanCaplinger. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Fool's disclosure policy is worth a trillion dollars.


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It seems to me there's always an interesting Tennessee Williams play on every time I visit New York. Last time my good friend and a fantastic actress Alison Fraser invited me to see her at 'In Masks Outrageous and Austere' and this Wednesday I saw 'The Mutilated' at The New Ohio Theater. The main attraction for me was Mink Stole – who I adore for her over-the-top characters in John Water's trash classics and her recent part in 'All About Evil' movie (do check it out!).
When you have Mink Stole and Penny Arcade as your leads in a Tennessee Williams play, you do expect the outcome to be loud, kitschy and hilarious – and it's all those things for sure. But 'The Mutilated' is also quite a tragic story filled with the feel of puffy desperation – like a glass of fizzled out champagne. The true drama here doesn't necessarily come from its heroines less-than-inspiring fates but from the multifarious idea that sometimes the only people who can really 'get us' are the ones who we consider our sworn enemies. And the cruel friendship (or charming war for that matter) that these two tragic-yet-charming ladies are having here makes it one hell of a fun ride for the viewers (and sometimes – for themselves, too). It's campy but never trashy – a true success for the director Cosmin Chivu. The other obvious achievements here include an impressive and clever stage design and several choir numbers that add surprising epic vibe to the narration.
Plus as a nice post-show bonus there's Tennessee Williams 'Memoirs' with John Waters signature that you can buy in the lobby for 20 bucks.
The show's on until December 1, so hurry up! More info at http://www.newohiotheatre.org/themutilated.htm


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Say goodbye to the longest bull market for bonds in history. The market is at a turning point, say portfolio managers—some of whom are running the nation's largest bond funds.
The reason: growing worries about inflation. While it is not a problem right now, there are several strong economic factors that typically lead to higher prices down the road.
"Inflation will be higher than they (Federal Reserve policymakers) think," says Mark Zandi, Moody's Analytics chief economist.
"They said they'll start to raise rates late 2014, but they'll be unable to stick to that commitment," Zandi says. "They'll be under pressure to start tightening sooner."
An improving jobs market, a stronger dollar and rising commodity prices are adding to pricing pressures on everyday goods. As a result, the Fed—mandated to keep inflation in check—could be forced to raise interest rates sooner than expected.
Rates are already starting to rise, even without the Fed. This week, Treasurys saw a sharp sell-off, bringing yields—which move opposite to prices—to their highest level since October.
Rising yields, when coupled with inflation, are a double-whammy to the value of bonds.
"Longer maturity fixed-income bonds are certainly subject to having the coupon depreciated by higher inflation. That's absolutely a concern for us," says Mihir Worah, a portfolio manager for Pimco, the world's biggest bond fund manager.
Right now, inflation appears to be contained but is showing signs of flaring up. The government reported Thursday that producer prices—which measure inflation at the wholesale level—rose by the largest margin in five months in February, mostly due to spikes in the cost of energy.
Investors will get a better picture on Friday when the Consumer Price Index (CPI) is released.
Economists are forecasting a 0.4 percent rise in February, compared with January's month-on-month gain of just 0.2 percent, according to a Reuters survey. The annual headline CPI level in January was 2.9 percent.
"If the CPI is on the high side, everyone knows it's entirely due to gas prices," says Zandi.
Zandi's CPI expectations are in line with consensus estimates. "The key is unemployment. As soon as it drops below 7 percent, you have inflation problems," he said.
With job growth comes purchasing power and pricing pressure on businesses and consumers. Yigal Jhirad, portfolio manager for Cohen & Steers, thinks this pressure is already underway.
The CPI index "tends to underestimate inflation", says Jhirad, who adds 4 percent to CPI levels over the next three years to get a "fairer" picture of inflation.
"A consumer's experience with inflation has been very, very different than what the CPI suggests. What matters to people is that they're paying a lot more for food, gas, education and rent," says Jhirad.
Rents are up 3 percent nationally this year, according to a recent housing report. Food and energy prices rose 4.4, and 6.1 percent respectively over the last year, according to the Bureau of Labor Statistics.
While the experts debate the timing of inflation, they are all convinced it is inevitable. The main culprit, they believe, has been the unprecedented monetary easing by the Federal Reserve and other central banks around the world.
"We're entering into an inflationary environment. Monetary risks are greater than they ever have been," says Jhirad.
So what's an investor to do? The most obvious first step is to consider Treasury Inflation Protected Securities (TIPS).
"I think TIPS are the most attractive within the bond universe, for money-under-the mattress reasons," said Pimco's Mihir Worah.
Other alternatives:
- Commodities: Historically, inflation pressures drive gold prices higher, thus gold is taking a dominant position. Oil futures are also expected to do well, given increasing emerging market demand for energy as economies grow.
- Natural Resource Stocks: Stocks of metals, mining, and energy companies offer exposure to the underlying asset; "Equities typically lead the market, and these have proven to outplace inflation," says Jhirad.
- REITS: "Rents are going to rise to the point where it makes sense to build more, and the underlying building material prices will rise," says Cohen & Steers CIO Joseph Harvey.


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Simon Says DT are showcasing our very own Simon Says Stamp Exclusive Products! For my card, I am using the Birthday Messages Clear Stamp Set and the Chrissy and Devonshire Butterfly Dies.
The papers I am using are from the Hope Chest Paper Pack by Pink Paislee.
I finished off the card with some Prima Roses, Hero Arts Mixed Accents (pearls), seam binding and ruler trim.
The super sweet and generous Heidi is giving away NOT 1, NOT 2 BUT 7 $50 Credit Vouchers to 7 lucky random winners of this challenge to the Simon Says Stamp Superstore! Good luck everyone!
Do you use Instagram ? If so, please add #ssswchallenge to your challenge entry uploads so we can see them on there too.
Looking forward to seeing every one's Birthday cards for this challenge!!
Have a wonderful week!


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Hey all! I'm just stopping in to share a couple of projects I'm going to try with the kiddos this week and next.
We need to sprig up our bare tree and this is how we are going to do it!
|Sun Catchers from The Handmade Home
|DIY Bunny T from Mini Style
These are both great blogs! Head over and check them out!


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Award Winning Team
The Home Team is an international award-winning team and has dedicated the past decade to assisting hundreds of clients sell their homes. Although we regularly win prestigious awards and top honours from real-estate associations, it is the unmatched service we provide to our customers that we are most proud of.
-Top in Sales, Century 21 Heritage Group (2007-Present)
-Recipient of prestigious Double Centurion Producer Award (2007-Present)
-Represent Century 21, the world's largest network of real-estate professionals
In the Heart of Newmarket
The Home Team is located on Yonge Street in Newmarket. Every Home Team member is a long-time York Region resident which means unprecedented local market knowledge as well as a genuine commitment and concern for the community where we work and live.
The Home Team shows their community support by being involved with many local and worthwhile organizations, including Inn From The Cold (a Newmarket homeless shelter), the Heart and Stroke Foundation, The Jennifer Ashleigh Children's Charity, Easter Seals Ontario and sponsorship of important Newmarket events, such as the Pickering College Holiday Home Tour benefitting Southlake Regional Health Centre and the Santa Claus Parade.
Internet Marketing
Today's world is online and fast paced so it is crucial to put the spotlight on your home and show it to all prospective customers.The Home Team is a modern-day real-estate firm that values the best practices of traditional marketing and embraces the benefits of current technology to market your home as efficiently as possible so that all of your needs are met.
The Home Team will create an exclusive marketing strategy for your home, use multiple and reputable online real-estate listing sites and access the extensive professional network of Century 21 at home and around the world