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Don't want to head out in the snow that's hitting the East Coast? Stay in tonight and heat things up with gooey cheese fondue and creamy melted chocolate.
The Melty Main:
Go traditional with melted Gruyere or Emmental, or be bold and try our boozy favorite: Cheddar-Beer Fondue.
More From Good Housekeeping
Want to mix things up a little? Make it...
SPICY: Add one finely chopped jalapeno pepper
CRUNCHY: Sprinkle bacon bits on top
EARTHY: Mix in ½ cup store-bought or homemade basil pesto
Try these delicious dunkers:
French Bread or Pumpernickel, cut into 1-in. cubes.
Pre-cooked Meats, like Ham or Sausage, cut into bite-size chunks
Green Apple Slices
Veggies: Broccoli, Cauliflower & Carrots
Soft Pretzel, cut into pieces
Dippable Dessert:
Don't skip a second with your sweetie when moving from the main course to dessert. This microwave chocolate fondue will make him melt in one minute flat.
Keep cooking time short and dessert sweet with these easy add-ins:
NUTTY: ¼ cup peanut butter
GOOEY: ⅔ cup marshmallow creme (Warning: Not for the sweet-shy!)
PERKY: 1 tablespoon brewed coffee
Dipping Ideas:
Strawberries & Raspberries, washed and dried
Banana Slices
Pineapple Chunks
Pretzel Sticks
Gourmet (or homemade) Marshmallows
Mini Cheesecake Bites (Buy a small cheesecake and cut into bite-size pieces. Or make thislightened-up version, the perfect match for rich melted chocolate! Hint: Freezing the bites helps keep them from falling apart in the gooey chocolate.)
Don't forget the toppings!
Chocolate Sprinkles
Pink or Red Nonpareils
Toasted Coconut
Toasted Walnuts or Almonds, chopped
Chopped Pistachios
Coarse Sea Salt
Oreo Crumbs, crush cookies in a Ziploc bag
Fondue Party Essentials:
These Crate & Barrel Crave Plates ($19.95/set of 4) transition perfectly from savory cheese to sweet chocolate, while color-coded Fondue Forks ($4.97/set of 6) will help keep everyone's utensils organized.


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I brewed my first batch of beer at home about seven years ago. It took me three years to land my first professional brewing job, and one more year to start HenHouse Brewing with my partners Scott Goyne and Shane Goepel. It was humble beginnings—a year of jumping through legal hoops and fine-tuning some recipes, followed by two years of brewing beer 60 gallons at a time on nights and weekends on a brewing system Scott built from an essential oils extractor and a 1960 A&W Root Beer Syrup kettle, while we all worked other jobs and daydreamed about the future. In November of last year, HenHouse raised enough investment capital to hire me full-time and expand from nano-brewery to micro-brewery status, which is the most dream-come-true thing I've ever experienced.
Curious about what it takes to go pro and start a brewery? Looking for advice? I've got some. A lot of it, in fact. The bad news is that what I'm about to say may not make opening a brewery sound like that much fun.
I've come to a general theory of brewery work: it's not what you think it is. None of the jobs I've had in the brewing industry have been close to what I expected they'd be. Is life working in a brewery—or opening your own—for you? Read on.
Is Brewing for You?
The joke is that brewing is 90% cleaning and 10% paperwork. Except that it's not a joke at all. It's just how brewery life is.
At my first brewery job as an assistant brewer at The 21st Amendment in San Francisco, I was crazy-disappointed when I started and the head brewer only had me coming in for cleaning days. "But I want to make beer," I remember thinking, because I, like so many other homebrewers, thought the work was boiling things and adding hops. Little did I know, Zambo had put me right into the thick of the beer making process: cleaning everything.
Beer requires an absurd amount of sanitary vessels to make and the fermentation and packaging process leaves a trail of very dirty vessels, tools, and instruments in its wake. If you're considering this line of work, you better be the kind of person who finds doing the dishes relaxing. Cleaning floors, cleaning tanks, cleaning hoses, cleaning kegs, cleaning glasses, cleaning drains, cleaning parts: every day in a brewery starts with cleaning and ends with cleaning. I've used the word "cleaning" 10 times so far in this paragraph and it does not begin to come close to the amount of cleaning (11) that goes on in even the smallest brewery.
"You're a clean freak? Great! To be a good brewer, you'll also need to be patient, methodical, and not easily bored."
You're a clean freak? Great! To be a good brewer, you'll also need to be patient, methodical, and not easily bored. Even when you're brewing a new beer every day, the process is almost completely identical each time. Huge differences in recipes reflect only small changes in the workday of the brewer. Because the process is so repetitive and the differences in process so small, record-keeping is incredibly important. Almost any action in a brewery can be expressed as "Clean, record data, action, record data, clean."
Another surprise in the life of a brewer: there's a lot of basic handyman work involved. Breweries use equipment in really hostile ways: everything is wet all the time, the equipment is cleaned with harsh chemicals and near boiling water, and everything is being used constantly. Things in the brewery break, invariably at very inconvenient times, and you'll need to fix them. Folks with knowledge of small motors and electrician training are revered, and stainless steel welders are legendary. Are you ready?
In addition to being wrong about the workload before I started working in a brewery, I was wrong about the beer drinking. Everyone thinks brewers are constantly drinking beer, and they are, but it's a strange kind of drinking. You sip a beer, notice something about it, become curious how that thing manifested in the beer, pull up the brew log, compare it to other brew logs, make everyone else in the brewery taste it, reference the guidelines for brewing that beer, call your boss, debate the personality of that beer, question its necessity in the brewery's portfolio, and then return to a warm, flat beer. Flavor and process become the same and it can make drinking beer significantly less enjoyable if you can't turn that analysis off.
You may have noticed that I haven't mentioned 'knowledge of the brewing process' as an essential facet of a brewer's qualifications. Knowledge of the biological and chemical science behind brewing process is certainly useful, but your job as a brewer will be cleaning and paperwork first and foremost. A couple years ago I interviewed at a mid-sized brewery, and they asked me what I felt were my weak points. I replied that I didn't have a formal brewing education. The head brewer's response is lodged in my mind because it was so revealing. "Oh, we don't care about that. We can teach you about brewing."
One last warning: you'd better enjoy being at work, because you will be there all the time. Fermentation is a 24/7 activity that doesn't really care about your weekend plans. And you're doing it for the love of the job: you will not make a lot of money as a brewer. I had an unpaid internship before I got my first $8-an-hour brewing job in San Francisco, and that's par for the course. At the beginning of your brewing career, you likely need to have more than one job to pay the bills, and you might want to consider living with your parents for the discounted rent.
Still want to be a brewer? I hope so! I still believe that brewing is magical. Sure, it's hot, dirty, and wet. It's labor-intensive work that will make you forget how to enjoy drinking beer and give you some borderline-OCD cleaning tendencies. But it's also an ancient art, one that yields deliciousness at the end of the process, and I can promise you there is nothing quite as fulfilling as having people enjoy beer you made.
Is Starting a Brewery for You?
I remember exactly what I thought owning a brewery would be like before I worked in the brewing industry: I would make beer and people would buy it.
Five years in, giving advice about opening a brewery makes me feel like King Bummer: A brewing company is as much a company as a brewery. If you're going to succeed, you need to treat it that way. Learn about the local regulatory environment, learn about accounting and basic finance, learn about sales. As a co-owner of a startup brewery, I spend way more time working on regulatory compliance than I do making beer. Same with digging through P&L statements and writing budgets. And sales work is endless and exhausting. Owning a brewery is more about running a business than brewing beer.
Prospective brewery owners sometimes forget that beer is a heavily regulated industry. There are federal and state agencies that get all up in the business of any booze maker, and the wastewater treatment folks in your municipality will want to have more than a few words with you before you start operations. There are far more agencies you will need to report to than you realize, and the first thing you should do when you decide to start a brewery is to contact all of them and ask if they have a punch list of compliance items for breweries. More likely than not, they don't, so don't be discouraged when they can't give you advice on getting your operation off the ground.
In my experience, these regulators generally work for agencies that are underfunded, understaffed, and underappreciated, so building relationships is key. The regulations that breweries have to comply with are not one-time hurdles to jump over; there's constant reporting and constant inspection. You're going to spend a lot of time on the phone with public servants and you'll be much happier if you have good relationships with them. Always ask how the person on the phone is doing today and actually listen to their answer; these small kindnesses will translate to helpful people who want to get you through the process as painlessly as possible.
People have told me my love of spreadsheets is freakish, so I'm not sure I can tell you with a straight face that accounting and finance are fun for everyone. But tracking the expenditures and income of our company and projecting those numbers out into the future is a large part of what I do, and fortunately, it turns out that I enjoy bookkeeping. I find it calming to know how we make money, where we spend money, and how we can save. You'll need those spreadsheets; they're a powerful tool for remaining in control of your business (there is no worse feeling than not knowing if you can afford anything), and if you want a bank loan or to bring on investors, they will want to see that you have a solid understanding of your business's financial operations.
"Being intimately aware of the financial health of your company might not be glamorous, but it is as important as monitoring your fermentations or selecting hops."
Some folks will try to hire their way out of the financial responsibilities of the company, but that seems like bad strategy to me. Being intimately aware of the financial health of your company might not be glamorous, but it is as important as monitoring your fermentations or selecting hops. You should be excited to see your profit margins for different beers and to understand labor as a percentage of total cost. Knowing these things gives you the power to control them. Don't underestimate the significance of scarcity as a creative driver, either. You may find that there are things you do to impact the cost of your beer that improve the quality as well.
(Side note: HOLY HELL STARTING A BREWERY IS SO EXPENSIVE. The best advice I can give you about financial planning is this: write a business plan and then double what you think it will cost, because it will cost you double what you think it will.)
If you're going to own a brewery, you'd better love selling beer. In my opinion, the reason to start a brewery is to share the beer you love with a larger group of people. Otherwise, why not just make beer at home?
If getting your beer in front of a lot of people doesn't excite you, sales will crush your soul into tiny pieces. Walking into a restaurant where you don't know anyone and explaining why they should carry your beer is an emotionally exhausting experience...even when they say yes. When they say no, it can really make it tough to do the same thing a dozen more times that day. Be sure that presenting your beer to people is a thing you want to do day in and day out, because that's how beer gets moved.
Many people enjoy brewing because it's rather introverted. Once you get into a regular brewing routine, it's downright meditative. It makes sense that monks do it. Owning a brewery ain't that kind of party. Not only are sales a daily exercise in putting yourself out there, there will also be an endless number of people who want to come hang out at the brewery, multiple brewfests and beer dinners every month, reporters looking to cover "this cool beer thing that's going on right now", and all that your friends will want to hear about is the goings-on of your business. Opening a brewery is deciding to talk about beer every waking hour of the day, which can be fun and exciting or draining and miserable depending on what kind of person you are.
I thrive on talking to people, making new friends, and sharing beer, but that has never been enough to sustain me through a long day of asking people to try my beer. You need a support group and you need a vision.
Vision is a hard thing to quantify, but it's a must. I knew how big an undertaking starting a business would be, but nothing I'd ever done prepared me for how completely overwhelmed I'd be all the time. I would have given up multiple times already if it hadn't been for my partners Scott and Shane. Knowing that there is a clear goal will help you keep going when you feel completely underwater. What do you want to get out of owning a brewery? What do you dream of accomplishing? You need this vision to think about at the end of a 16-hour day while staring down the barrel of another. Sometimes jawing on about "Dude, it would be so cool to build a brewery that did this, that, and the other" can seem like useless daydreaming, but that daydreaming is what will convince you to keep going. Make sure you know what you're working for.
Maybe all of this sounds pretty negative. It's not meant to be. Starting a brewery is the best thing I've ever done and I'm stoked about it every single morning. But don't think for a minute it's not hard and scary. Don't think that it's all drinking beer and adding hops to a kettle and looking cool. There are challenges along the way, but if you choose to take them on, I can't wait to try your beer.

subset: commoncrawl


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NJ Injury Guys
NJ Injury Guys Montclair - Personal Injury attorney
"The NJ Injury Guys is a team of experienced personal injuries attorneys who are committed to pursuing justice for injured victims in Lyndhurst, and the surrounding areas.
Lyndhurst clients who have been injured in an accident, slip and fall, or workplace accident, are helped by our experienced injury lawyers.
We offer our services to all areas surrounding Lyndhurst. This includes Montclair, NJ. Newark, NJ. Bloomfield, NJ. West Orange, NJ. Kearny. NJ. Avondale. NJ. Upper Montclair. NJ. Lyndhurst. NJ. Verona. NJ. North Arlington. NJ. Belleville. NJ. Nutley. NJ. West Caldwell. NJ. East Orange. NJ. Arlington. NJ. Forest Hill. NJ. Brookdale. NJ. Roseland. NJ.
Business Name:
NJ Injury Guys
18-20 Lackawanna Plaza suite 300Montclair New Jersey 07042United States
(551) 230-4999
About Montclair
Montclair () is a township in Essex County in the U.S. state of New Jersey. Situated on the cliffs of the Watchung Mountains, Montclair is a wealthy and diverse commuter town and suburb of New York City within the New York metropolitan area. As of the 2020 U.S. census, the township's population was 40,921, reflecting an increase of 3,234 (+8.5%) from the 37,687 counted in the 2010 Census. As of 2010, it was the 60th-most-populous municipality in New Jersey.Montclair was first formed as a township on April 15, 1868, from portions of Bloomfield Township, so that a second railroad could be built to Montclair. After a referendum held on February 21, 1894, Montclair was reincorporated as a town, effective February 24, 1894.
Neighborhoods in Montclair, New Jersey
Albion Place, Allwood, Ampere, Arlington, Athenia, Avondale, Bergen Hill Neighborhood, Broadway, Brookdale, Central Ward, Curries Woods, Delawanna, Downtown Newark, Eastside, Elmora
Things to do in Montclair, New Jersey
Our Newest Profiles


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European elegance with island flair in Waialae Nui
When it was announced that this home on Aha Maka Way was having a broker's open, we jumped at the chance to take a look, since most people can't see it every day. (Click here for details.)
It's not just located on Waialae Nui, which requires a bit of a drive up the hill, but in a private, gated community there—with just four homes behind the gate. If not for the tropical surroundings, it almost looks like an exclusive corner of another city…in another country.
This home is just four years old, with 4,627 square feet of living area on a sloping/tiered 14, 567 lot. As you come through the formal entryway, your eyes go straight out over the large living room and out to the lanai with stunning views of the city and ocean.
The lower level, which leads out to the pool area, is not as formal but no less luxurious. The spacious entertaining area includes an onyx bar and a wine cellar, in which the current owners have tucked a refrigerator (presumably for beer).
Outside, the river rock infinity pool is surrounded by tropical landscaping and overlooks a vast backyard that's perfect for entertaining. When you're done swimming, you can shower in the regular bathroom or try the outdoor lava rock waterfall shower. (Click here for video of how the shower works.) It's actually easy to use and semi-private, so you could use this unique shower every day, if you wanted to.
Everything is like new, from the Brazilian cherry floors and cabinets to the granite counters and stainless steel appliances. You can also take in the media room with multi-viewing wall and a high-tech sound system. There are four bedrooms, three full baths, and two half baths, so there's space and privacy even within the home.
One item you won't find on the fact sheet: the workshop area under the house, which can be converted to storage.
Money talk: $4,650,000 fee simple
Contact: David Quandt, Prudential Advantage, 808-457-0604, email@example.com


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Family, friends mark five years since double killing of teenagers in Compton
Each year, the march is stressful to plan, but Sean Earl and Mary Jackson do it anyway.
For four years now, Earl and Jackson walk with friends, family and community members to the site in Compton where their 13-year-old son, Draysean Earl, was gunned down on May 5, 2009, alongside Andrew Peppers, 16.
Forgetting is not an option. They don't want the neighborhood to forget, either.
So they mark the day by talking about their loss. It's hard to do, but for Earl and Jackson, it would be more difficult to stand idle.
"Our purpose is just to make a call for peace," Earl said after the march Monday afternoon. He wore a white T-shirt with his son's reward flier plastered on the front. The back of the shirt read, "We won't forget." On the sleeve, the number 9 – Draysean's football number.
Jackson is skeptical anyone will ever come forward to say whom they saw the day Draysean and his friend were killed, despite the $20,000 reward offered. Witnesses told authorities that Andrew and Draysean were hanging out with a group of as many as 15 boys and girls near a brick wall outside a home when a man walked up and fired five shots from a large-caliber handgun.
Witnesses described the shooter as a 17-to 20-year-old black man wearing a royal blue T-shirt and black jeans, but he has never been identified by authorities.
The bullets hit both Andrew and Draysean in the head. Andrew died at the scene, and Draysean early the next morning.
Draysean was enrolled in nearly all honors courses at Roosevelt Middle School and loved football. He had been offered two high school football scholarships and wanted to become an NFL player someday. Since his death, there's been a camp organized in his memory.
"His dreams were cut short," Jackson said.
Andrew Pepper's grandmother, Loretta Corner, said he was a normal 16-year-old. She had been saving money for a car for the teenager. Corner had trouble talking about her grandson Monday, and deferred to his sister, Tamika Jordon, 25.
Jordon said that Andrew, a junior at Rancho Dominguez, liked skateboarding and wanted to go to college someday.
"If we could get some closure," Corner said. 'It would lift a burden on my heart."
Anyone with information can call the L.A. County Sheriff's Department Homicide Bureau at (323) 890-5500. Those who wish to remain anonymous can call Crime Stoppers at (800) 222-8477.
Photo: Mary Jackson talks to community members Monday, May 5 at the shooting site where her son, Draysean Earl, 13, and his friend, Andrew Peppers, 16, were gunned down five years ago. Credit: Mary Jackson


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Longhi, Pietro
Longhi, Pietro pyā´trō lông´gē [key], 1702–85, Venetian genre painter. Longhi studied with Crespi in Bologna. He is best known for his small pictures depicting the life of upper-middle-class Venetians of his day. Pastel-colored, doll-like figures move stiffly but daintily through The Visit (Metropolitan Mus.) and Exhibition of a Rhinoceros (National Gall., London). Apart from early frescoes done in a more lively and vigorous style (Sagredo Palace, Venice) Longhi's artistic life was devoted primarily to his small-scale genre works. He duplicated several of his own works, many of which were also copied by his followers. Examples are in the Museo Correr, Venice; the National Gallery, Washington, D.C.; and the City Art Museum, St. Louis. His son,
Alessandro Longhi, 1733–1813, was a portrait painter and author of a work on the lives of 18th-century Venetian painters, for which he engraved the illustrations. A portrait attributed to him is in the Metropolitan Museum.
The Columbia Electronic Encyclopedia, 6th ed. Copyright © 2023, Columbia University Press. All rights reserved.
See more Encyclopedia articles on: European Art, 1600 to the Present: Biographies


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|The White House
President George W. Bush
|Print this document
For Immediate Release
Office of the Press Secretary
January 22, 2008
President Bush Speaks to March for Life Rally Participants
East Room
THE PRESIDENT: Nellie, good to be with you -- we're fellow West Texans who care deeply about the value of human life. Other members of the board of directors for the March for Life, leaders of the pro-life community, and all those who are here with us for the march, it's good to have you here and welcome to the White House. (Applause.)
As I look out at you, I'll see some folks who have been traveling all night to get here -- (laughter) -- you're slightly bleary-eyed. (Laughter.) I'll see others who are getting ready for a day out in the cold. But mostly I see faces that shine with a love for life. (Applause.)
I see people with a deep conviction that even the most vulnerable member of the human family is a child of God. You're here because you know that all life deserves to be protected. And as you begin your march, I'm proud to be standing with you. (Applause.)
Thirty-five years ago today the United States Supreme Court declared and decided that under the law an unborn child is not considered a person. But we know many things about the unborn. Biology confirms that from the start each unborn child is a separate individual with his or her own genetic code. Babies can now survive outside the mother's womb at younger and younger ages. And the fingers and toes and beating hearts that we can see on an unborn child's ultrasound come with something that we cannot see: a soul. (Applause.)
Today we're heartened -- we're heartened by the news that the number of abortions is declining. But the most recent data reports that more than one in five pregnancies end in an abortion. America is better than this, so we will continue to work for a culture of life where a woman with an unplanned pregnancy knows there are caring people who will support her; where a pregnant teen can carry her child and complete her education; where the dignity of both the mother and child is honored and cherished.
We aspire to build a society where each one of us is welcomed in life and protected in law. We haven't arrived, but we are making progress. Here in Washington we passed good laws that promote adoption and extend legal protection to children who are born despite abortion attempts. We came together to ban the cruel practice of partial birth abortion. (Applause.) And in the past year we have prevented that landmark law from being rolled back.
We've seen the dramatic breakthroughs in stem cell research that it is possible to advance medical science while respecting the sanctity of life. (Applause.) Building a culture of life requires more than law; it requires changing hearts. And as we reach out to others and find common ground, we can see the glimmerings of a new America on a far shore. This America is rooted in our belief that in a civilized society, the strong protect the weak. This America is nurtured by people like you, who speak up for the weak and the innocent. This America is the destiny of a people whose founding document speaks of the right to life that is a gift of our Creator, not a grant of the state. (Applause.)
My friends, the time is short and your march is soon. (Laughter.) As you give voice to the voiceless I ask you to take comfort from this: The hearts of the American people are good. (Applause.) Their minds are open to persuasion. And our history shows that a cause rooted in human dignity and appealing to the best instincts of the American people cannot fail. So take heart. (Applause.)
Take heart, be strong, and go forth. May God bless you. (Applause.)


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Dir: Philippe Godeau. France. 2013. 102mins
This real-life crime story is as intriguing, bemusing and enigmatic as actual event it is based on, and while Philippe Godeau's film eschews flashy visuals and crime-movie clichés his film – helped especially by a wry performance by star Francois Cluzet (Tell No One, The Intouchables) – is a fascinating and absorbing affair.
The film offers no real answers – much like Musulin himself – but it is an intriguing and thoughtfully structured film.
The film which has opened in France and screens competition at the Karlovy Vary Film Festival, is based in the real life story of French security van driver Toni Musulin (played by Cluzet) who in November 2009 staged an audacious robbery of his own security van and made off with Euro11.6 million (hence the title).
But while the final section of the film details his robbery, the bulk of the film is there to try and sketch out what sort of man Toni Musulin actually is and try and point out character traits that might account for why he staged the robbery. The film offers no real answers – much like Musulin himself – but it is an intriguing and thoughtfully structured film.
11.6 opens with Musulin giving himself up to police, before switching back in time to follow his behaviour prior to the crime. Despite living with his bar-owner girlfriend Marion (Corinne Masiero) he is something on a loner and rarely explains his actions to everyone. His only real friend is his shambling, sandal-wearing, security guard partner Arnaud (Bouli Lanners), who he protects from the taunts of other guards.
But he is a man of different moods and secrets. He buys a Ferrari at an auction – despite always cycling to work and taking his co-workers coffee without paying – and at a party looks to impress mountain guide Natalia (Juana Acosta), telling her that he is soon to split from his girlfriend and that he will call her.
It is never quite clear what makes him tip over the edge and plan the crime – bickering with his girlfriend; arguments over his pay with bosses, a fleeting moment class prejudice – but when he does he is precise, organised and determined, and while the film never aims for dramatic thrills it is intriguing to see this taciturn and solitary man go about his business. Tough police recovered the bulk of the money, some Euro2.5 million is still missing, with Musulin set to be released in the next few years.
Production companies: Pan-Européenne, Wild Bunch
International sales: Wild Bunch, www.wildbunch.biz
Producers: Philippe Godeau, Baudoin Capet
Screenplay: Agnes Sacy, Philippe Godeau, adapted from Toni 11,6, Histoire du convoyeur, by Alice Geraud-Arfi
Cinematography: Michel Amathieu
Editor: Thierry Derocles
Production designer: Therese Ripaud
Main cast: Francois Cluzet, Corinne Masiero, Bouli Lanners, Juana Acosta, Stephan Wojtowicz


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He needs love right now
Dear Dave,My husband and I are adopting my nephew. His mom is involved with drugs and alcohol, and his father isn't in the picture. We've got $1,000 in the bank, and we're in the process of paying off all our debt, except the house. Should we slow down or stop the Baby Steps temporarily, and spend more on family things since my nephew is a teenager?Jocelyn
Dear Jocelyn,Hugs are free. Making cookies costs next to nothing, and spending quality time with a young man or woman doesn't cost a thing. I call that a teenager-friendly environment.
I know your heart is in the right place, but I don't want you to fall into the American trap of thinking he'll be happy if he has a Wii or you take expensive vacations every year. It sounds to me like he's coming straight out of a big mess. He wants and needs someone to put their arms around him, tell him he's a good guy, and teach him how to grow into a strong man.
Doing some affordable family things once in a while is okay, if you can make it work with your budget. But I wouldn't spend a bunch of money to try and prove that you love him. You've already proven that by bringing him into your home and making him part of your family. Continue cleaning up your finances. Then, when you've actually got some money to spend, you all can do some really cool stuff together.
You guys are awesome!—Dave
Dear Dave,My wife and I make about $100,000 a year combined, and we're debt-free. Recently, we got an insurance settlement of $95,000. We have an $89,000 mortgage and a 19-month old baby. Should we use the settlement money to pay off the house, and use the rest to start a college fund for our son?Michael
Dear Michael,Absolutely! Then, if you guys save the equivalent of a house payment until your son is ready for college, he could travel the world while he's studying. If I'm in your shoes, I'd pay the house off tomorrow. In fact, I do it today if there's still time to get to the bank.
Being completely debt-free, and with your income, you guys have the money to do just about anything. You can start the kiddo's college fund, save for retirement, and you'll have the money to build wealth, too.
Don't let this great opportunity to change your family tree pass you by, Michael. You two have the chance to live great lives and retire early—and wealthy!—Dave
Dear Dave,How do you feel about pre-nuptial agreements?Anonymous
Dear Anonymous,When I first started financial counseling, I told people to never get a pre-nup under any circumstances. Basically, I felt the whole process was like planning your divorce in advance. I still feel that way to a degree, because if money is more important to you than the person you supposedly love, then you don't really love them and you have no business getting married.
I've changed my stance a little bit, though, and now I feel a pre-nup may be in order under one condition: If there are substantial assets in one person's name. By "substantial," I mean $2 million or more. I've counseled several wealthy people, some of whom were heading into a second marriage. It's not that wealthy folks are weird or necessarily greedy, but sometimes they attract weird and greedy people.
In these kinds of cases, I'm okay with a pre-nup. But I still think you should love somebody enough to be willing to take a bullet for them if you're thinking about marrying them.—Dave


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Four of the eight neutral-site games the first week of the college football season involve Big Ten teams.
Though not all the sites are truly neutral, all the games will generate the exposure every coach craves for recruiting. Like bowl games, the openers also will produce lifelong memories for the players and varying financial rewards for the schools.
No team will travel farther than Penn State, which plays UCF on Saturday in Dublin, Ireland, in James Franklin's first game as coach. Also on Saturday, No. 14 Wisconsin meets No. 13 LSU in Houston and No. 5 Ohio State takes on Navy in Baltimore.
Rutgers plays its first game as a Big Ten member against Washington State in Seattle on Thursday.
UCF won at Penn State and was supposed to host this year's game before agreeing to move it to Dublin. Franklin said he sees no disadvantage to going overseas because both teams must contend with the time-zone change and other challenges that go with traveling abroad.
'We spent a lot of time preparing our guys on what to expect and what the trip is going to be like so we can get over there and stay focused on what we have to do, which is play good football,' Franklin said Tuesday on the Big Ten coaches' conference call with reporters. 'Whether that was played at State College High School or played in Dublin, Ireland, we're excited about the opportunity to play Central Florida.'
Penn State and UCF declined to disclose how much money the schools will receive. The game's organizer, the Gaelic Athletic Association, didn't respond to an email.
Wisconsin will earn $2 million for playing LSU at NRG Stadium in Houston. The Badgers will get another $3 million in 2016 when they play LSU at Lambeau Field in Green Bay. Next year Wisconsin will make $4 million for playing Alabama in Arlington, Texas.
'It gets us on the national stage,' Badgers coach Gary Andersen said of this week's game. 'We're playing an SEC team and, quite frankly, we're playing, traditionally the last few years, one of the best teams in the country, so kids like that when they're recruited.'
The game is a measuring stick for a Wisconsin team that has questions at quarterback and receiver and must rebuild its defense.
'Some may say that's not a great time to have the game,' Andersen said. 'But if you're going to play a game like this, in the environment of college football today, the first game of the year is the one to do it.'
Ohio State, which beat Navy in Columbus in 2009, will be closing out a two-game series with the Midshipmen. The Buckeyes will earn $850,000 for playing the game at M&T Bank Stadium in Baltimore, which is about a 45-minute drive from Navy's campus in Annapolis.
Whether the game is in Annapolis or Baltimore, Ohio State coach Urban Meyer likes the recruiting implications.
'It's a big recruiting area. A lot of great football players. A lot of history between Ohio State and those players,' Meyer said. 'Really in the last two years we've done well out there, so it's exciting, and hopefully we get a lot of exposure. We have to do well, though.'
Rutgers plays its first game as a Big Ten member against Washington State at Seattle's CenturyLink Field, which is less than five hours from the WSU campus in Pullman.
'I think it's exciting for our players,' coach Kyle Flood said. 'I think they enjoy the experience of playing in a pro stadium, and it doesn't hurt that it's the reigning Super Bowl champions.'
Rutgers, which hosts the Cougars in Piscataway next year, will earn $300,000 for Thursday's game. Only 26,000 tickets have been sold. Flood said a good number of Rutgers fans plan to make the cross-country trip.
'But don't think we're going to have enough travel to make it a (true) neutral-site game,' he said.


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Auyuittuq and Sirmilik National Parks
In the Inuktitut language, Auyuittuq means "the land that never melts" and Sirmilik translates as the "place of glaciers." These remote national parks in the high Arctic of Nunavut's Baffin Island feature jagged, frosted mountain ranges, traditional Inuit villages, glacier-carved fjords, and vast, uninhabited tundra.
"It's like going back to the dawn of creation," says artist and Arctic filmmaker Cory Trépanier. Adds tour director Thomas Lennartz: "People who come here are looking for something different. Once someone comes once, they usually end up returning two or three times."
When to Go: Early season is March to May, when snow machines, dogsleds, and skis can cross the frozen fjords. When the ice breaks up, typically June to July, both parks are inaccessible. By mid-July, the midnight sun is beaming and the ocean is ice-free. Outfitters will bring visitors as late as September. The October/November freeze-up once again makes the park inaccessible. Due to extreme weather, Parks Canada advises against visiting over the dark winter months.
How to Get Around: Unless you have extensive Arctic wilderness experience, the services of a local outfitter, tour company, or expedition cruise are essential. "We camp on the floe edge on the outskirts of the park," says Lennartz, expedition director of Arctic Kingdom. "Imagine an African safari camp put on the ice." Among Arctic Kingdom's offerings is a weeklong, ice-camping narwhal and polar bear safari to Sirmilik in May and June, with opportunities to hike, snowmobile, and snorkel. Black Feather's hiking trips into Auyuittuq explore tundra, lakes, waterfalls, and glaciers. Adventure Canada Cruise North and Polar Cruises get you into the high Arctic with Baffin Island expedition cruises. For local dogsledding, boating, or kayaking outfitters, contact Parks Canada's offices in Sirmilik or Auyuittuq.
Where to Stay: Camping is the widespread option, although Arctic Kingdom's seasonal heated camps can add a touch of comfort. Soften the wilderness edge with an expedition cruise with hot meals and comfortable cabins. Visitors to Sirmilik can stay in Pond Inlet's two hotels, Inns North Sauniq Hotel or Black Point Lodge Hotel. The Angmarlik Interpretive Center located in Pangnirtung can assist with Auyuittuq outfitters and local homestays.
What to Eat or Drink: Tundra campers typically bring homemade or purchased dehydrated meal packs. Only local Inuit are allowed to hunt, but not while guiding. A treat for visitors is the abundance of Arctic char, a particularly tasty fish closely related to salmon and trout.
What to Buy: For local Inuit art, Pond Inlet's Tununiq Sauniq Co-op has a range of soapstone, whalebone, and marble sculptures, along with drawings.
What to Watch: Trépanier's Into the Arctic films are outstanding documentaries about his adventures in these and other Canadian Arctic parks.
- Nat Geo Expeditions
Helpful Links: Nunavut Tourism, Parks Canada
Fun Fact: Nunavut's 34,000 people live in a land area bigger than Mexico (population 116 million). Formerly part of the Northwest Territories, Nunavut was only formalized as a distinct Canadian territory in 1999.


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Lebanon, OH--Most servo systems are complex. They typically contain motors, drives, gearboxes, belts, pulleys, sensors, and power-transmission shafts, often with right angle turns in them.
Not all applications require such complexity, however. To simplify servo systems, Vickers Electronic Systems (VES) now offers a direct-drive solution. With it, control engineers can eliminate gearboxes, belts, pulleys, and right angle shafts. The resulting servo systems are therefore simpler to install and maintain. They also generate less noise, are more compact, and cost less.
Key to the direct drive solution is a line of new permanent magnet brushless servo motors. Originally created for tire manufacturing applications in Europe, the motors are designed for the specific needs of direct drive applications. They supply sufficient torque and precise rotation at relatively low speeds, overcome potential problems due to torque harmonics, ensure accurate positioning, and avoid mechanical resonances.
To accomplish all that, engineers incorporated several unique features in the new design, known as VES FC High Torque Low Speed Motor line. One of the keys is their use of magnetics: They employed economical ferrite magnets, then oriented them in such a way as to provide high flux density. The rotor is also constructed in segments, which helps to simplify manufacturing and reduce cost. Equally important, the motor's designers incorporated a high number of poles and armature slots, which enabled them to reduce torque harmonics at slow speeds.
Engineers also paid special attention to thermal and mechanical issues. The motor's armature is totally encapsulated in thermally conductive material, thus enabling engineers to reduce its volume. A special anti-resonance filter, with adjustable frequency and amplitude, enables it to deal with any potential mechanical resonance problems.
Although the new motor line was just recently introduced to the U.S. market, engineers from VES say the technology has had a wide variety of applications. The tire industry used it for direct driving of variable diameter drums for tire molding. The glass industry has employed it for direct drive of spindle motors for making hollow glass items. It has also seen use on bending machines, particularly for bending of muffler components. Other applications include plastic injection molding, printing machines, and motion simulators.
Some advantages of the motor were unexpected, notes Monte C. Swinford, a VES engineer. "Machines that use the direct drive tend to be quieter, because the motors operate at 600 to 1,000 rpm, instead of 3,000 rpm," he says. The elimination of gearboxes also significantly reduces noise, he says.
Although Swinford recommends that users stick with gearboxes for high bandwidth (above 400 Hz) applications, he says that the direct drive concept offers far greater simplicity for those applications where it best fits. "If engineers are creative in their use of this concept, they can eliminate ball screws, gearboxes, couplings, and all kinds of other components," Swinford says. "This way, they can build a much more compact machine than they could before."
Additional details...Contact Monte Swinford, Vickers Electronic Systems, 1151 W. Mason-Morrow Road, Lebanon, OH 45036, 513-494-5654.
Other Applications
- Printing machinery
- Robotic assembly
- Textile manufacturing


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Saudi Arabia announces annual hajj pilgrimage starts on Oct. 25
RIYADH, Saudi Arabia — Saudi Arabia has announced that the Islamic hajj pilgrimage, which attracts around 3 million Muslims worldwide each year, will begin on Thursday, Oct. 25.
The kingdom's High Court, comprised of religious scholars who serve as judges, announced Tuesday that Eid al-Adha celebrations coinciding with the pilgrimage will start on Oct. 26.
Hajj is among the five pillars of Islam and is required of all able-bodied Muslims at least once in their lifetime.
Already some 1.4 million people from 160 countries have arrived in the holy city of Mecca in Saudi Arabia for hajj, which according to Islam traces the steps of prophets such as Muhammad, Abraham and Ishmael.
Hajj is a spiritual experience aimed at fostering closeness to God, the cleansing of sins and a sense of unity and equality among Muslims.
Associated Press
N.Y. pastor and wife cannot take Lord's name in vain, judge rules
NEW YORK — A judge has told a Staten Island pastor and his wife that they cannot take the Lord's name in vain.
Civil Court Judge Philip Straniere has ruled that the couple could not change their last name to ChristIsKing.
Michael and Angela Nwadiuko expressed disappointment in the ruling.
The judge cited the separation of church and state in his ruling earlier this month.
The couple's request six years ago to change their son Jeremy's first name to JesusIsLord also was denied by the same judge.
Their daughter's name is Rejoice.
Nwadiuko is a pastor of Christ the Lord Evangelistic Association. He told the Daily News he holds no grudge against the judge despite the ruling. He said he prays "that God will bless his life."
Associated Press
Effort to restore church that was safe haven for slaves gets a boost
NEW ALBANY, Ind. — An ambitious effort to restore a southern Indiana church that was part of the Underground Railroad has received a boost from a foundation, but organizers say there's much work to do.
The News and Tribune reports the Horseshoe Foundation of Floyd County has agreed to provide $25,000 toward the estimated $400,000 cost of repairing the Town Clock Church in New Albany.
Foundation Executive Director Jerry Finn says project supporters have begun sending grant proposals to charitable organizations and plan to ask congregations to join the project.
He says the goal is to begin some of the work this year.
The church served as a safe haven for slaves who were trying to make their way north to freedom during the 1860s.
Associated Press
Vatican cardinal causes stir by showing alarmist Muslim video
VATICAN CITY — A Vatican cardinal has caused a stir at a meeting of the world's bishops by screening an alarmist video about the inroads that Islam is making in Europe and the world.
Cardinal Peter Kodwo Appiah Turkson, the Ghanaian head of the Vatican's office for justice and peace, aired the YouTube clip this weekend during the synod of bishops, a three-week gathering of top churchmen to map out strategies to halt the decline of Christianity.
A spokesman who briefed journalists on the closed-door session said some bishops questioned the statistics and appropriateness of it being aired. Vatican Radio called the clip a "4-year-old, fear-mongering presentation of statistics" that have been widely debunked.
News reports said Turkson subsequently apologized, saying he didn't mean to cause any harm.
Associated Press
Myanmar won't let Islamic group to open liaison office in Yangon
YANGON, Myanmar — Myanmar's government will not allow the Organization of Islamic Cooperation to open a liaison office after thousands of Buddhist monks and laypeople marched to protest the plan.
Sectarian tensions have been running high in Myanmar's western Rakhine state after clashes in June between Rakhine Buddhists and Bengali Rohingya Muslims that left nearly 90 people dead and displaced tens of thousands. Muslim mosques and Buddhist temples were burned down during the unrest.
Myanmar's state press had reported that the government and the OIC agreed last month to open an office in Yangon to provide aid for people displaced by the fighting, and the OIC sent a team to investigate the violence.
On Monday, the Information Ministry cited the President's Office as saying that "the opening of the OIC office will not be allowed as it is contradictory to the aspirations of the people."
The OIC has 57 member states and seeks to be the voice of the Islamic world.
—Associated Press
Archbishop allows group that wants gays to be chaste to open chapter
LOUISVILLE, Ky. — A group that preaches chastity among gays and lesbians is starting a local chapter in Louisville with the permission of Roman Catholic Archbishop Joseph Kurtz.
Kurtz says the Connecticut-based group known as Courage has a goal to "promote chaste living" by abstaining from sex outside of a heterosexual marriage. The group was founded in 1980.
The chapter meetings operate under the Twelve Step concept used by Alcoholics Anonymous and similar groups. Steps include such things as admitting one's addiction or compulsion, striving for moral reform and seeking help from a higher power.
Angelo Sabella, an assistant to the national director of the group, said Courage does not conduct therapy that seeks to change a person's sexual orientation. But he said the group has invited advocates for change therapy to talk with Courage groups to let participants know about it.
The director of a gay rights group in Louisville says Courage is asking gays and lesbians to suppress part of their identity.
"It's repressive and really unhealthy for people who are gay, lesbian, bisexual or transgender, to suggest one can suppress an entire part of who they are," said Fairness Campaign director Chris Hartman, who identifies himself as a Catholic.
Associated Press


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Last night I came across a couple of news articles about a prominent Italian Muslim (who, to be fair, hadn't actually practiced Islam for many years) who converted to Christianity and was baptized by the pope as part of a televised Easter vigil service. I say congratulations to him, and admire his bravery. Magdi Allam, who took the name Christiano in the baptismal ceremony, already had one death warrant against him for his activism against Islam, and I am sure this very public conversion will earn him another.
Some media commentators, ever ready to deliberate on matters they don't understand, questioned why the Pope would create such a public show. It seems consistent with his bold statements about the true nature of Islam, and I think he as well as Allam is to be praised for boldly confronting an issue which Muslim leaders would rather keep secret, that is, that conversion out of Islam deserves the death penalty under sharia law – law which is often effectively carried out by vigilantes or family members of converts in Muslim countries.
In American politics, I finally decided to read Obama's famous race speech. I have to say, much as I disagree with his philosophy and his grasp of history, conservatives who denigrate his speaking abilities seem to be doing so unfairly. It is a rhetorically effective speech, well constructed, cleverly addressing all the key issues and defusing them. Not that I think he actually solved the question of his connection Jeremiah Wright, but he did the best possible job of explaining him and at the same time making the attacks on him part of a bigger picture.


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"Cuatro años brillantes a tu lado"
March 15, 2014. The day my life was about to change. The day of our first date. Our first of many times to London. You learn a lot about somebody on the first day. First impressions aren't everything, but they are important. It's part of the make or break. Do you see them again? Gut instincts tell you, a lot.
I have been surrounded by positive relationships all of my life. My nan and grandad have been together since they were teenagers. My mum and dad are still happily married. I consider myself one of the lucky ones, I know not everybody has that in their lives. I have been surrounded by love. Relationships built on trust, communication and laughter. My expectations are high.
Four years ago, Alex and I were walking along the Millennium Bridge in London and a couple asked me if I could take a photo of them. After I did, they offered to take one of us. Pretty awkward for a first date. The woman passed me back my phone and said: "you're a cute couple." I guess she was right.
I feel slightly odd writing how to maintain a successful relationship when there are couples who have been married longer than I have been alive. But, a lot of chivalry seems to be lost on our generation. So, let's bring it back!
Never Stop Dating
We still date. Never stop dating. Never stop taking the time to go out together. Never get so caught up in work, or a rut, that you forget to take the time to spend together. Whether you have a child, whether you have a busy work schedule. Once a month, we go out for dinner. We dress up. We date.
Stop Texting and Start Talking
The internet is a great place. It opens up a new world. At the click of a button, you can find out the best waffle houses in New York City, or the best underwater restaurant in The Maldives. But, the miscommunication is real. Texts are often so easily misconstrued. A simple message plants the seed to grow into a major argument. Talk. Listen. Communicate.
Share Your Interests
Things in common is a pretty obvious one, I know. But, conversations are easier when you have shared interests. But that's not always the case. You can share your interests. Funnily enough, I wasn't a big fan of travelling until I got together with Alex. There were a few landmarks I wanted to see, sure. But, my world has opened up. I have tried kayaking and canoeing – things I never thought I would try. Alex has sat in the stands at numerous cheerleading competitions, sat on the sidelines of photoshoots for hours on end and has even tried a salsa class. I'm sure these are things he never thought he would try either!
Support Each Other
This ties in with the interests. Please, support your partner. Whether that means spending 90 minutes sat at the side of a football pitch in the pouring rain, or sitting in a cheerleading stand for 6 hours watching what seems to be the variation of the same routine or standing at the side of a freezing cold river for 5 hours watching a kayaking regatta of some sort. Even if you don't have a clue what's going on, your support is needed. People perform better when they have an audience that is cheering them on. People feel happier when they finish doing what they love and the person they love is standing there waiting to give them a big hug and their support!
Recognise Their Achievements
When they do well, tell them. Congratulate them. Make a big thing of it. Write a simple letter to say how proud you are. Pick up a 'congratulations' or a 'good luck' card. We want to feel like we're doing well. We want people to be proud of us. Tell them. Whenever I get my grades back from university, Alex makes a big deal, acts like I'm the smartest person on the planet. Whenever I post a blog post, Alex acts like it's the best thing he's ever read, it's probably completely boring to him. But, he still supports me. He still makes an effort to recognise my achievements. No matter how big or small.
Spend Time with their Family and Friends
Alex is a lot better with people than I am. But, spend time with their friends and family. Get to know them. Do things with them. Become part of the friendship group. Become a part of the family. But, also give them time to do their own things too. Keep it balanced.
Be Ridiculous
Normal is boring. Embrace ugly selfies. Embrace ridiculousness. There is nothing better than laughter. A happy relationship is filled with laughter and a lot of ridiculousness. Life can get serious and there are times when it gets hard. But, take time to play. Play fight. Take stupid photos. Dress a little bit weird. Be daft. Let them upload that disgusting photo. What does it matter what anybody else thinks? Laugh.
Try New Things Together
Whenever we have tried something new, Alex would turn to me and say "another first!". Our first holiday as a couple. A country we'd never been to before. A dance class. A kayaking trip. Baking together, even if it is a disaster. You never know, you may just love it! I wasn't keen on visiting Budapest, yet it turned out to be one of my favourite cities. Alex loves meerkats, so for his birthday, we went to a meerkat experience. I am not a fan of meerkats. But, we did it together. Life is for living. Share it together.
This one is pretty personal. Money is taboo. We never make enough of it. Your lifestyle adjusts to your budget. Nobody ever has enough money. Do not fight over it. We have always shared money. We make more of it every month. Sure, it's gone three hours after we've been paid but it's shared. When I worked in a big supermarket, I would see couples coming in and splitting the food bill. Or women turning to their boyfriends and telling them they owed them £30 to cover the bill. It always seemed so bizarre to me. We have always split money. It's ours. Granted, I'm usually the one who spends it on things we don't really need. Whereas, Alex tends to pay the bills. But, the time that a flight needs booking, or a new piece of decor for the home or a hotel needs paying off, that's usually my job!
Little Things
I guess I talk about little things* a lot. But they are important. When we go out on a date, Alex always tells me how nice I look. When I send him a photo, he acts like he's never seen my face before! When I come in from work, Alex makes me a drink. I leave Alex little notes for when he comes home from work. Whenever I have been on a flight, Alex has always waited in departures with flowers. Alex's Instagram is filled with photos of me and little captions. He always opens the door for me. He carries the shopping bags. He helps clean up. He cooks every night. He walks to meet me every night at the bus stop. He blow-dries my hair. He curls my hair. He doesn't update his wardrobe so that I can update mine so often. The little things are endless. For over three years, Alex and I have been wearing matching friendship bracelets. They don't cost the world, some of them cost nothing. But, little things make for a happy relationship.
The key to our successful relationship? We treat every day like it's the first day. Alex does this a lot better than I do. But, I try! Be happy. Be loving. Be supportive.
Four years ago, I was sitting at Lee Valley White Water Centre watching Alex work and raft. Now, I'm sitting in our new home together, with our puppy, Rio. Here's to the next four years.
Happy March 15, Alex. Thank you for seeing the best in me, even in my darkest times. Thank you for being there for me whenever I need you to be. Thank you for being my best friend.
Hasta luego,
* Can I file for copyright over this saying** because I seem to be seeing it crop up onto my timeline and different blogs so much now?????
** Kidding, of course. ***
*** Kinda.


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Pierce County's Parks and Recreation department has announced the Playground by the Sound at Chambers Creek Regional Park will reopen to the public on Friday, July 3. The popular playground has been closed since May 26, 2015, in preparation for the U.S. Open which took place during the week of June 15-21.
"The U.S. Open was such a fantastic event for the people of Pierce County but now that it's over our focus is on returning the park to its users as quickly as possible," said Tony Tipton, Pierce County's Parks and Recreation Director. "We have to manage the needs of the community with the need to rehabilitate the park after a quarter-million people descended on it in June, but the good news is that we've already opened a number of areas and should see more openings next month."
The park's Grandview Trail, East Slope Trail and North Meadow restroom all reopened very shortly after the championship golf event, as did the Chambers Bay Golf Course, Chambers Bay Grill and Pierce County's Environmental Services Building.
The Environmental Services Building's recreational fields, the North Meadow parking lot and the Central Meadow parking lot and restrooms will all remain closed until August, as will the Soundview Trail and Bridge to the Beach. The grass areas in North and Central Meadows will remain closed until the grass fully recovers.
For the latest reopening schedule and information, please visit the Chambers Creek Regional Park website.
MEDIA CONTACTS:Tony Tipton, Parks and Recreation Director253-798-4250[email protected]
Pierce County wants to hear from you. Please select one of the following to talk to elected officials and staff, or to report problems in our community.


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皇冠管理端登3手机(www.99cx.vip)_Police arrest pair for cheating financial consultant
,Kuala Lumpur Commercial CID chief Mohd Mahidisham Ishak says the victim received an email from a third party, who submitted the business document and he became suspicious. – The Malaysia Insight file pic, June 17, 2022.皇冠管理端登3手机(www.99cx.vip)实时更新发布最新最快最有效的皇冠管理端登3手机网址,包括新2登3手机网址,新2登3备用网址,皇冠登3最新网址,新2足球登3网址,新2网址大全。
POLICE have detained a man and a woman, ages 56 and 57 respectively, to assist with their enquiries into a banking document fraud where the victim lost more than RM600,000.
Kuala Lumpur Commercial CID chief Mohd Mahidisham Ishak said both suspects were picked up on Jalan Bukit Bintang at 12.20pm yesterday.
He said the arrest followed a police report lodged by a financial consultant on June 10, who alleged he was deceived when dealing with the two suspects to obtain a standby letter of credit worth US$250 million (RM1.1 billion) from an overseas bank to carry out international business in Korea.
"The victim made the cash payment in stages on February 27 and March 2 totalling RM629,000 to the male suspect as processing payment.
"On March 4, the victim received an email from a third party, who submitted the business document and he was suspicious as he had made the confirmation at a local bank and believed it is fake," he said in a statement today.
He said both suspects were remanded for four days until June 20 and are being investigated under section 420 of the penal code for cheating. – Bernama, June 17, 2022.


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I am updating the table based on the leading partition key and i got the error message.
ORA-14402: updating partition key column would cause a partition change
Again i changed the table as below.
alter table inventory ENABLE ROW MOVEMENT;
Now it works fine. I have two questions.
1. When we update the partition key, does oracle really move the data to different partition or it deletes the record in current partition and insert into another partition?.
2. Is it overhead when we update parition key? Any extra cost?


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a HUGE question to myself in 2014.
I've already added and anticipated a NaNo novel for 2014, but my decision is about 95% final. Consider my decision a BIG question mark.
National Novel Writing Month or better known as NaNoWriMo (NaNo)
From the NaNoWriMo About Page Click for more info including FAQ.
National Novel Writing Month (NaNoWriMo) is a fun, seat-of-your-pants approach to creative writing. On November 1, participants begin working towards the goal of writing a 50,000-word novel by 11:59 PM on November 30. Valuing enthusiasm, determination, and a deadline, NaNoWriMo is for anyone who has ever thought fleetingly about writing a novel.
My Page: http://nanowrimo.org/participants/maryjdressel
To NaNo or not to NaNo? This is my question of the month. Editing one book while writing another book fills my agenda for the rest of this year. This doesn't include NaNo. I take that back because NaNoWriMo has been on my mind more than I care to think about. Is my muse betraying me by nudging [forcing] me to be consumed with it right now?
IF, and this is a big "IF" I do NaNoWriMo this year, I might have to be a Rebel. Yes, this counts and NaNo recognizes it.
I've been known to color outside of the lines.
But, there are some who don't agree with being a REBEL. If writing 50K words to a novel in thirty days like everyone else, I see no difference. Of course we can't count anything already written. Some of my close author friends don't agree with being a Rebel, although no one has called me a cheater, in so many words.
This will be my fifth NaNoWriMo. How do I pass up a "five year" milestone?
- How about you? Will you be a NaNo participant this year? Have you ever participated?
- Have you heard of NaNoWriMo?
I ask this because even my local librarian never heard of it until I mentioned it to him. Not that he planned on doing anything about it. In my writers' mind, I thought it would be a good idea to have a write-in there. Not so with him. He wanted to know how much it would cost them and basically, was the least bit interested in finding out. *Eye Roll*
In 2015, I plan on bringing another book into the Bull Rider Series and this book could be my NaNo project. The thing is, nothing is planned for this book, except in my head. (Well, a vague plan…um, maybe.)
On the other hand, I'm also writing the third book in the Double Dutch Ranch series, and readers are waiting for this book. See my dilemma?
Believe me—going into NaNo with no plans can suck. This coming from a pantster. A pantster who has learned to plot, if that makes sense.
In my own words:
- Plotter=Your story is planned out from beginning to end.
- Pantster=Sit down and write your little fingers to the bone by the seat of your pants. Better known as "just sit your butt down and write."
- Mary=A little bit of each. Maybe 89% plotter these days. In the past I was 87% pantster. The more writing I do, I've discovered the more I have to plot. I've published three full length books this year with one more planned. Yes, plotting has helped.
I'm anxious to hear if you're a plotter or pantster.
Plotting and planning can happen to creative souls in general I'd think. I take photos of whatever I see unless I'm looking for something in particular. My son photographs foot races when he isn't participating. He goes out days before to scope out the trail/route, etc., and plans out where he will take photos, at what shutter speed, lighting, and whatever else he comes up with for the perfect shot. He's a plotter and doesn't realize it. (I took this image while walking along a river trail. Someone painted this beneath an overpass. The photo wasn't planned, but there it was waiting. Having my camera with me was planned.) I digress…
- By the way, NaNoWriMo entails writing 50K words in thirty days, and boils done to 1,667 words a day. Some of my author friends write 5K a day or more.
Being a full time writer, making the word count won't be a problem for me, but…as I said in the beginning, I'm working on two books now, and one is due out in December.
Now, if only my spell checker would agree to the way I spell NaNoWriMo and Pantster.
Stay tuned for the final decision…


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"Security center has detected malware on your computer." Have you ever seen that message pop up on your computer? Have you ever seen it happen over Skype? Well, I've received that message three times in the last month as a Skype message. It tells me that my Windows software is infected and I need to install a patch. It even gave me a website (link) to go to to help me install the patch.
I may have fallen for the trick but I don't know how a Windows patch would fix my iMac running OSX. I don't run Bootcamp, or Windows in a virtual machine, nor does my iMac know what an .EXE or ActiveX file is. I'm sure if I clicked on this link and installed the patch on my Windows machine, my machine WOULD have been infected with malware! (For now Mac machines may be safer from malware infections but it's wise to still be careful.)
I've written before about being safe on the Internet and not going to sites you don't know or clicking on links in emails, but this is the first I heard of a message over Skype. If you look at the message box (on my iMac), it doesn't even say it's from Skype and the window title says. "Software Updates."
What concerns me is that many people may fall for this trick. I know most readers of GNC and listener's to Todd's podcast are tech savvy enough that they wouldn't fall for something like this, but what about mom (or dad) or your grand parents who get a web cam for Christmas and install Skype so they can talk to the grand kids? Would they click on this link and install the "patch" if this message box appeared?
Google is trying to find sites that install spyware and root-kit software on your computer, but you can't depend on this for every "bad" website. Recently there was a SQL-injection virus that infected a large number of websites. The virus takes advantage of PCs running Windows that have not been patched with the latest updates. You don't have to click on any links to get infected — just visit a site taken over by this malware software. It does this by linking to the site 318x dot com (please don't go to this site). If you search for 318x dot com using google, the first search listing says "This site may harm your computer." That because this site has been around for a while and has given enough time for Google's security bots to find the site and determine that it's up to no good. Here is the link for the Google Safe Browsing page for the 318X site: http://google.com/safebrowsing/diagnostic?site=318x.com/
Now back to my Skype message. I mentioned that this is the third time I've received this message in the past month. Each time I did a Whois search of the linked website and found that the website was created within one day of when I received the message. The website mentioned in the most recent warning message was created the same day I received the message. This tells me that the author of this warning message is changing the website URL to keep it from being flagged by Google and the security monitoring sites. If you do a Google search for this site it comes up clean. Oh, did I mention that the owner of this site (and the previous two sites) is from Prague, Czech Republic (outside US laws)?
As you visit relatives and friends over the holidays make sure everyone knows about safe surfing on the Internet. Don't click on links in emails (or Skype message boxes) and make sure to keep your computer's OS patched and up to date.
Happy Holidays.
73's, Tom