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This page tells you the terms and conditions on which we supply to you any products through the site (Products) to you. Please read these terms and conditions carefully before ordering any Products from our site. You should understand that by ordering any of our Products, you agree to be bound by these terms and conditions. You should print a copy of these terms for future reference.
1. Your status
By placing an order to purchase Products through our site, you warrant that:
1.1.1 you are legally capable of entering into binding contracts;
1.1.2 you are at least 18 years old.
2. How the contract is formed between you and us
2.1 After placing an order, you will receive an e-mail from us acknowledging that we have received your order. Please note that this does not mean that your order has been accepted. Your order constitutes an offer to us to buy the Products. All orders are subject to acceptance by us, and we will confirm such acceptance to you by sending you an e-mail that confirms that the Products ordered have been dispatched (the Dispatch Confirmation). The contract between us (Contract) will only be formed when we send you the Dispatch Confirmation.
2.2 The Contract will relate only to those Products whose dispatch we have confirmed in the Dispatch Confirmation. We will not be obliged to supply any other Products which may have been part of your order until the dispatch of such Products has been confirmed in a separate Dispatch Confirmation.
3. Consumer rights
3.1 You may cancel a Contract at any time within seven working days, beginning on the day after you received the Products. In this case, you will receive a full refund of the price paid for the Products in accordance with our refunds policy set out in Clause 7.
3.2 To cancel a Contract, you must inform us in writing. You must also return the Products to us immediately, in the same condition in which you received them, and at your own cost and risk. You have a legal obligation to take reasonable care of the Products while they are in your possession. If you fail to comply with this obligation, we may have a right of action against you for compensation.
3.3 Details of this statutory right, and an explanation of how to exercise it, are provided in the Dispatch Confirmation. This provision does not affect your statutory rights.
4. Availability and delivery
4.1 Your order will be fulfilled by the delivery date set out in the Dispatch Confirmation or, if no delivery date is specified, then within a reasonable time, which shall be a maximum of thirty (30) days from the date of the Dispatch Confirmation, unless there are exceptional circumstances.
5. Risk and title
5.1 The Products will be at your risk from the time of delivery.
5.2 Ownership of the Products will only pass to you when we receive full payment of all sums due in respect of the Products, including delivery charges.
6. Price and payment
6.1 The price of any Products will be as quoted on our site from time to time, except in cases of obvious error.
6.2 These prices include VAT but exclude delivery costs, which will be added to the total amount due.
6.3 Prices are liable to change at any time, but changes will not affect orders in respect of which we have already sent you a Dispatch Confirmation.
6.4 We are under no obligation to provide the Products to you at an incorrect (lower) price, even after we have sent you a Dispatch Confirmation, if the pricing error is obvious and unmistakable and could have reasonably been recognised by you as a mis-pricing.
7. Our return & refunds policy
7.1 When you return Products to us:
7.1.1 because you have cancelled the Contract between us within the seven-day cooling-off period see Clause 3 we will process the refund due to you as soon as possible and, in any case, within 30 days of the day you have given notice of your cancellation. In this case, we will refund the price of the Products in full, excluding the cost of sending the item to you. However, you will be responsible for the cost of returning the item to us; or
7.1.2 for any other reason (for instance, because you have notified us in accordance with Clause 19.2 that you do not agree to any change in these terms and conditions or in any of our policies, or because you claim that the Products are defective), we will examine the returned Products. We may at our sole discretion, if the Products are returned within the warranty period (see Warranty), repair or replace the Products. We will notify you whether we have decided to repair or replace the Products via e-mail within a reasonable period of time. We will usually return the repaired or replacement Products due to you as soon as possible and, in any case, within 30 days of the day we confirmed to you via e-mail that you were entitled to a replacement or repair of the defective Products.
7.2 We will usually refund any money received from you using the same method originally used by you to pay for your purchase.
8. Our liability
8.1 The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy.
8.2 We without prejudice to the generality of this Clause 8 warrant to you that any Products purchased from us through our site are fit for the specific purposes for which they have been supplied.
8.3 Our liability for losses you suffer as a result of us breaking this agreement is strictly limited to the purchase price of the Products you purchased.
8.4 This Clause does not include or limit in any way our liability:
8.4.1 for death or personal injury caused by our negligence;
8.4.2 under section 2(3) of the Consumer Protection Act 1987;
8.4.3 for fraud or fraudulent misrepresentation; or
8.4.4 for any matter for which it would be illegal for us to exclude, or attempt to exclude, our liability.
8.5 We are not responsible for indirect losses which happen as a side effect of the main loss or damage and which are not foreseeable by you and us, including but not limited to loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, or loss of data.
9. Service availability
Some restrictions are placed on the extent to which we accept orders from specific countries.
10. Import duty
10.1 If you order Products from our site for delivery outside the UK, they may be subject to import duties and taxes which are levied when the delivery reaches the specified destination. You will be responsible for payment of any such import duties and taxes. Please note that we have no control over these charges and cannot predict their amount. Please contact your local customs office for further information before placing your order. 10.2 Please also note that you must comply with all applicable laws and regulations of the country for which the Products are destined. We will not be liable for any breach by you of any such laws.
11. Written communications
Applicable laws require that some of the information or communications we send to you should be in writing. When using our site, you accept that communication with us will be mainly electronic. We will contact you by e-mail or provide you with information by posting notices on our website. For contractual purposes, you agree to this electronic means of communication and you acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing. This condition does not affect your statutory rights.
12. Information about us
music-room.com is a site operated by The Music Room of Glasgow Limited. We are registered in Scotland under company number SC264182 and with our registered office at Griffiths Wilcock & Co., 24 Sandyford Place, Glasgow, G3 7NG, United Kingdom. Our VAT ID is GB 132775804. Tel: +44 (0)141 333 9700.
13. Notices
All notices given by you to us must be given to The Music Room of Glasgow Ltd at email@example.com. We may give notice to you at either the email or postal address you provide to us when placing an order. Notice will be deemed received and properly served immediately when posted on our website, 24 hours after an email is sent, or three days after the date of posting of any letter. In providing the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an email, that such email was set to the specified email address of the addressee.
14. Transfer of rights and obligations
14.1 The contract between you and us is binding on you and us and on our respective successors and assigns.
14.2 You may not transfer, assign, charge or otherwise dispose of a Contract, or any of your rights or obligations arising under it, without our prior written consent.
14.3 We may transfer, assign, charge, sub-contract or otherwise dispose of a Contract, or any of our rights or obligations arising under it, at any time during the term of the Contract.
15. Events outside our control
15.1 We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under a Contract that is caused by events outside our reasonable control (Force Majeure Event).
15.2 A Force Majeure Event includes any act, event, non-happening, omission or accident beyond our reasonable control and includes in particular (without limitation) strikes, lock-outs or other industrial action, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport, impossibility of the use of public or private telecommunications networks, or the acts, decrees, legislation, regulations or restrictions of any government.
15.3 Our performance under any Contract is deemed to be suspended for the period that the Force Majeure Event continues, and we will have an extension of time for performance for the duration of that period. We will use our reasonable endeavours to bring the Force Majeure Event to a close or to find a solution by which our obligations under the Contract may be performed despite the Force Majeure Event.
16. Waiver
16.1 If we fail, at any time during the term of a Contract, to insist upon strict performance of any of your obligations under the Contract or any of these terms and conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the Contract, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.
16.2 A waiver by us of any default shall not constitute a waiver of any subsequent default.
16.3 No waiver by us of any of these terms and conditions shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with Clause 13.
17. Severability
If any of these terms and conditions or any provisions of a Contract are determined by any competent authority to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law.
18. Entire agreement
18.1 These terms and conditions and any document expressly referred to in them represent the entire agreement between us in relation to the subject matter of any Contract and supersede any prior agreement, understanding or arrangement between us, whether oral or in writing.
18.2 We each acknowledge that, in entering into a Contract, neither of us has relied on any representation, undertaking or promise given by the other or be implied from anything said or written in negotiations between us prior to such Contract except as expressly stated in these terms and conditions.
18.3 We intend to rely upon these terms and conditions and any document expressly referred to in them in relation to the subject matter of any Contract. While we accept responsibility for statements and representations made by our duly authorised agents, please make sure you ask for any variations from these terms and conditions to be confirmed in writing.
19. Our right to vary these terms and conditions
19.1 We have the right to revise and amend these terms and conditions from time to time.
19.2 You will be subject to the policies and terms and conditions in force at the time that you order Products from us, unless any change to those policies or these terms and conditions is required to be made by law or governmental authority (in which case it will apply to orders previously placed by you), or if we notify you of the change to those policies or these terms and conditions before we send you the Dispatch Confirmation (in which case we have the right to assume that you have accepted the change to the terms and conditions, unless you notify us to the contrary within seven working days of receipt by you of the Products).
20. Law and jurisdiction
20.1 The Contracts for the purchase of Products through our site and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by Scots law. Any dispute or claim arising out of or in connection with such Contracts or their formation (including non-contractual disputes or claims) shall be subject to the non-exclusive jurisdiction of the courts of Scotland.


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BF- CLIQUE Arch support socksRegular price $25.00 NZD Sale price $15.00 NZD
or make 4 interest-free payments of $3.75 NZD fortnightly with More info
The CLIQUE Arch support sock has been designed to help reduce the impact on the ball and heel of the foot for a more comfortable exercise experience
Created with moisture-wicking properties to pull sweat away from the foot - reducing friction, soreness and delaying the onset of blisters
Arch support and improved circulation through seamless contour design
The addition of Spandex helps with a fit that won't slip down and elastic provides a mild compression fit
CLIQUE design on ankle
80% cotton, 17% polyamide, 2% spandex, 1% elastic
S - size 7 and below
M - size 8-10
L - size 10 and above
Please note a $10 shipping charge applies to orders $49 and under. Why not get in touch with your clique and get free shipping!? We hope you love this piece as much as we do!
Do keep in mind, however, these are compression tights and are designed to fit tighter than standard sports leggings.
Fit: CLIQUE Sports Bras are sized to top fit, not bra fit, so we suggest sizing down from your bra size. The below is a suggested sizing chart.
Bra Size Clique Sports Bra size
8a-8f CLIQUE 2/NZ6
10a-10f CLIQUE 4/ NZ8
12a-12f CLIQUE 6/ NZ10
14a-14f CLIQUE 8/ NZ12
16a-16f CLIQUE 10/ NZ14
18a-18f CLIQUE 12/ NZ16
20a-20f CLIQUE 14/ NZ18
We've said cya to paper returns forms. To process a return or exchange, please visit the following link: CLIQUE RETURNS
Please ensure your item is in returnable condition.
Items need to be their original condition - unworn (tried on is OK) unwashed and free of damage in original packaging with the tags attached. We are unfortunately unable to accept returns that have the return tag removed. Ensure you are within the returns window of 10 Days (NZ) / 21 Days (INT) from Delivery.
Please ensure the items you are returning are clean. Any items which we deem as worn or items returned with stains or make-up marks will not be accepted and will be automatically returned to the sender.
If you are returning your item via out electronic returns portal, you will be emailed all the details you'll need.
Send your return from your local post shop to the address listed below. Please keep hold of your tracking in case your package is lost in transit. Please note, as our returns address is a PO Box, we suggest using NZ Post or Courier Post to return your item if you are sending within NZ. Some couriers are unable to deliver to PO Boxes, so please ensure your delivery method can.
Once we have your order you'll receive an email from us to confirm your return.
Please send your order to:
Attn: RETURNS
Po Box 331048
Auckland 0740
New Zealand
We are one of only a few online stores in NZ which offer the option of refunds as well as exchanges or store credits. If your return is sent back to us and clearly does not adhere to the returns policy, your item will be automatically returned to you. If your item is sent back and does not adhere to the returns policy, but has previously been refunded in good faith, a note will be added to your account - should you choose to purchase with us in the future, you will no longer be able to choose the Refund option, but will only be able to return for a store credit or exchange.
For orders $49 and under a shipping fee of $10 will be applied at checkout.
For orders $149 and under a shipping fee of $30 will be applied at checkout.
We post international orders using NZ Post. Orders received before 9am New Zealand Standard time, Monday to Friday are dispatched within 48 hours. Most international orders will be delivered within 3-10 business days, but on occasion may take up to 30 days.
Please see below for an estimate of our international delivery times:
NZ: 1-4 Business Days (Rural locations please add 3 working days)
Australia: 3-6 Business Days
Rest of World: 5-10 Business Days
Please note that these shipping times are estimates & do not include any delays that may be caused by customs in your country. NZ POST is an external postage service so we are unable to guarantee specific delivery dates or times. CLIQUE is not responsible for any customs charges payable in your specific country. Please ensure you understand the customs import rules and taxes payable in your country.
Clique Fitness does not ship on the weekends, so if your order is placed after 9am on Friday, it will be shipped on Monday.
Please note, during sale periods, public holidays & times of seasonal offers, dispatch of orders & in turn delivery times may be delayed please see the individual product page. We aim to process all orders in a timely manner, but we ask for your patience in order processing.
During new releases and times of product restocks, please allow 5 working days for your order to be processed. We appreciate your patience during these busy times.
Please note that if your parcel is refused delivery or returned to sender we are not able to refund you, but we will happily issue you a credit or gift voucher, or resend your order.
Our returns allowance is 14 days from delivery of your item in New Zealand, and 30 Days internationally. If you have any questions about your return, please contact us on email@example.com
Returns are picked up and processed on Thursdays. Please allow 14 working days for your return to be processed.
Please note: If you have returned an item for a refund, and your purchase contained a CarbonClick donation, your donation will not be refunded along with the rest of your order.
- Full Priced Products – Valid for a refund, exchange or gift card credit.
- Sale/Promotional Products – Valid for an exchange or gift card credit.
- Products Discounted 60% Off and Over – Final sale item, cannot be returned.
- Items purchased at BLACK FRIDAY SALE are not applicable for returns due to change of mind.
Please note that CLIQUE does not cover the cost of return shipping for refund or exchange. We recommend you use a tracked post service in case of shipping delays or missing packages.
Products that have unrepairable manufacturing faults are able to qualify for a replacement product, or in some cases a refund. For products with small faults, CLIQUE will endeavour to repair the product for you. This policy does not exclude or replace your rights under the NZ Consumer Guarantees act or any other applicable law.
Faulty items are eligible to be exchanged or returned for a refund up to 1 year ("reasonable time") from purchase as described in the NZ Consumer Guarantees act.
Clique Fitness may provide a pre-paid return shipping label via email in some faulty item cases. If you have received a pre-paid label, we require the item to have been sent back to us within 10 days of receiving this label.
If you are based outside of New Zealand, the cost of return shipping will be reimbursed to you should your item be deemed faulty. Please keep a copy of your shipping receipt for reimbursement.
Q: How do I know what size I am?
Please check out our fit guide to compare your measurements to those of our products.
Q: How do I return my order?
To return your order you can visit our returns portal online. Easy!
Q: Do you offer free returns?
As stated here in our Returns Policy, returns due to change of mind or exchange in size will be at your own cost.
Q: I have returned an item when will I hear back?
All Returns and Exchanges are collected and processed on the Tuesday/Wednesday each week. Please allow extra time around Public Holidays and New/Limited Edition Releases.
Q: I have a faulty item, what do I do?
If you believe your item to be faulty, please send us an email on email@example.com with a detailed explanation and photos of the fault. We will try our best to remedy your issue as soon as possible.
Q: My shipping says my order has arrived, but it hasn't. What do I do?
In instances like this, we suggest getting in contact with the courier service so they can get in touch with the courier who was in charge of your delivery. If they're still unable to locate the item, send us a detailed email to email@example.com and we will lodge an investigation with them to resolve this inconvenience for you as quickly as possible.
Q: I ordered the wrong size/entered the wrong address! Can you please change it for me?
We're sorry, as stated on the product page where you made your order, we're unable to amend your order after it's been created. This is because as soon as an order is made, it's processed to get orders out as quickly as possible. Your order will, however, come with a super easy-to-use returns form so if you do find you'd prefer a different size, you're welcome to send them back to us for an exchange.
Q: I have purchased a pair of Limited Edition coloured tights but the one I've received are not what I ordered/are imperfect on arrival - but your website is now "sold out"?
We set aside a number of pairs aside in each size for instances such as these. Please send us a detailed email along with few images and we will sort this out for you asap.
Q: What is my original order number?
This number associates your order, shipping address and account details. It will begin with CL and be followed by 4 or 5 numbers. This will be located on your email order confirmation.
Q: How do I care for my Clique Fitness tights?
Please take care with rough surfaces such as concrete as contact may cause pilling. To ensure your tights remain performing at their peak it is best to hand wash inside out with a mild detergent and lie flat in the shade to dry.
Q: I've removed my tag from my tights but they don't fit! Can I still exchange them?
The tag itself does say in bold that if it's removed, the garment cannot be returned. The returns form that comes with your tights also states that the garment must be in its original condition (unworn, unwashed and free of damage) and this is also on the returns page on our website here. These guidelines are in place for hygiene reasons so, unfortunately, if the tag is removed, we cannot accept the return. If an item is received without the tag attached, the item will automatically be returned to sender.
Q: What is a pre-order?
From time to time, CLIQUE may offer products on pre-order. Pre-orders offer our customers the chance to secure stock before it arrives. The estimated delivery date for your pre-order will be on the product page.
To purchase a pre-order product, simply purchase as you would a product that is in stock. Pre-orders require full purchase at the time of the order.
When your pre-ordered product arrives, you will receive a notification telling you that your item has been shipped and will provide the tracking number. Please be aware of the approximate delivery dates in the product page.
Q: What methods of payment can I use?
We accept Visa, Mastercard and Amex via PayPal. You can also use any PayPal credit that you may have on your account.
NZ Customers are able to Pay using LayBuy and AfterPay.
Australian Customers are able to pay using AfterPay.
Q: When is your customer service team available?
Our customer service team is online from 9am -3pm Monday-Friday.
Our team do their best to answer your enquiries within 48 hours. Please bear with us during busy periods as during restocks we often receive many enquiries!

subset: commoncrawl


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App Description
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* Buy once, FOREVER fun: You'll have all you need, NO additional pay, NO in-app purchase!
* Easy to use! Tap the sticker you want, DRAG & DROP the sticker into your message
* All images have been optimized for Retina display and to perfectly fit into your SMS bubbles.
* To access iMessage apps, compose a new iMessage to a friend and tap the iMessage App Store icon alongside the compose field.
* Tap the four oval icon on the lower left corner to open the app drawer. From there, tap the plus icon labelled 'Store' to access the iMessage App Store.
* In the App Store, tap the Manage tab in the top right to add your purchased apps to your app drawer.
App Changes
- January 15, 2017 Initial release


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We are proud to announce that this Feb 6th, 1:00 PM to 3:00 PM we will be hosting an Open House at 882 WHITCHURCH STREET in the Calverhall neighborhood, North Vancouver. This is an opportunity to visit this excellent House for sale in beautiful Calverhall.
Please come with any questions you may have. In the meantime you can take a virtual tour of this Calverhall House for sale.
As always please do not hesitate to give me a call at 604 926 6011 if I can answer any questions before the open house, or if you would like to book a private showing.
Tom Davis
Royal LePage Sussex


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No arrest: A month after alleged abduction, questions linger
A month after a 42-year-old woman reported being abducted from her southern Albemarle County home and driven 300 miles down the Blue Ridge Parkway to North Carolina by a slim, short, gun-toting, masked assailant wearing sunglasses, one law enforcement officer has questioned the validity of her story, and the FBI says the investigation is still active. The alleged victim, however, isn't talking.
"I have no comment," says Kelly Porterfield, whose husband, Bradley Porterfield, reported their burgundy Honda Odyssey minivan stolen on the morning of Thursday, June 23, only to have it turn up later that evening– along with his wife– near Blowing Rock, NC. Questions submitted to Bradley Porterfield through Facebook were not answered by presstime.
According to a report in the Watauga Democrat, Porterfield, a registered nurse who works at Charlottesville Health and Rehabilitation (where a state recertification survey was under way the day of the alleged abduction), was found by a passerby in the woods about a mile from the Boone Fork parking area where her minivan was discovered.
"That case is still active," says the FBI's Richmond-based spokesperson Dee Rybiski, who confirms that the FBI has not yet released a composite sketch of the alleged assailant or issued any warnings of any continued danger to the public. Rybiski declined further comment on the investigation, citing the lead agent's recent receipt of investigative materials coming in from various agencies that initially worked the case in both Virginia and North Carolina.
Porterfield was treated at the Watauga Medical Center the evening of the alleged abduction, according to early reports, then released to her husband as law enforcement on the scene hinted that the story might not be what it seemed.
"We're not sure how valid this claim is," Steve Stinnett, the Parkway's chief ranger, told the Democrat. Reached by the Hook, Stinnett declined comment and referred a reporter's inquiry to the FBI.
–an early online version of the story had a locational snafu which has been fixedRead more on: Kelly Porterfieldkidnapping
7 comments
She was found in Blowing Rock and the van was found near Cold Prong pond? Watuaga indeed
Boone Rock, NC?... Really? Where's a good proofreader when you need one?
--an early online version of the story had a locational snafu which has been fixed
So when will false report charges be filed in this case, with restitution ordered?
What is going on at CHRC. When this first happened the administrator went around the building and told everyone what had happened. Now they are daring anyone to talk about it with each other or the press, telling staff that they will be terminated if they are caught speaking to anyone about it. What do they know that the public does not know?
The person telling employees not to talk about it is the unit manager,Eveyln,maybe the police should question her.
The company she works for put pressure on Newsplex channel 19 so they took the story and comments section off of their site. Thanks to The Hook for being deligent and reporting the story. I have enjoyed following this story, I have always liked a good FICTION story.


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Memory Blocks
marble coaster
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All Prices are in US Dollars.
20oz Tilano Medium
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Lincoln News
Highgrove PARAGON Award
Jun 03, 2014
The National Apartment Association announced the winners of its annual awards program on May 5, 2014 in Arlington, Virginia where the association named the LPC-managed community, Highgrove, as "Best Community, Less than 5 Years (under 150 units)" in the Builders, Owners and Developers category.
Highgrove, located in Stamford, Connecticut, is a Class A+ development with 92 luxury apartments.
Click HERE to read the entire press release.


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How Grads Should Prioritize Their Debt Repayment
Getting adjusted to a post-college lifestyle and accompanying expenses can be tough enough, but recent grads burdened with heavy debt may have a much harder time getting a strong start in the real world.
Continue Reading Below
A recent study from Fidelity shows that 70% of the class of 2013 is graduating with an average debt load of $35,200, including federal, state and private loans, as well as debt owed to family and accumulated through credit cards.
What's more, even with the coverage of the rising costs of college and challenges of student debt, 50% of 2013 graduates with student loans still say they are surprised by how much debt they have accumulated.
Recent grads are in the early stages of building up a credit history, a crucial time to eliminate debt and establish good financial habits that will last a lifetime, says Steven Smith, CEO of Finicity, maker of money management program Mvelopes.
"Credit history is critical when renting an apartment, applying for utilities, cable TV or even a cell phone plan," he says. "Everywhere we turn, our personal credit history is being verified in order to access basic services, so it's critical we behave in such a way that helps us establish and maintain a positive credit history."
When faced with different kinds of debt, account balances and interest rates, here's what financial experts say to consider when prioritizing debt repayment.
Where to Start
Creating a budget where every single dollar is assigned to a specific spending category can help grads stick to those boundaries, suggests Smith, as the commitment to live within their means will make or break someone's debt repayment.
Grads should consider their short and long-term goals when devising a debt repayment strategy, adds Tim Sabol, an Ameriprise Financial advisor.
"Younger people often have a laundry list of financial goals they would like to consider focusing on, but they still want to pay down their debt aggressively," he says.
If cash flow is an issue, grads may need to create more breathing room within the monthly budget in addition to emergency savings as savings is a fundamental part of overcoming the debt cycle, Smith says.
"Once you pay off one debt, consider taking that payment amount and open up a savings account where you can start building an emergency fund--having that extra cash set aside will not only help you emotionally, but it will also give you that extra cash support in case something unexpected comes up."
How to Decide Which Debt to Pay Off First
If grads have a variety of debt, such as credit card debt and student loans, it's crucial to first review debt interest rates, says Sabol.
"Typically the plan should center around the [balance] with the highest rate first, with minimum payments to all the other balances," he says.
Private student loans should be a high priority, as they are often subject to variable interest rates and can increase since they are tied directly to an index.
"Unlike with federal student loans, private loans carry a much steeper penalty for missed payments and defaulting on your private student loan will almost immediately impact the credit history," says Smith.
Although federal student interest rates can range from 3% to 6.8% which are lower than most other forms of consumer debt, student loan balances also tend to be higher than a typical credit card bill or car loan and is the only type of debt that, in most cases, cannot be dismissed even though bankruptcy, Smith explains.
"In order to pay the least in the long run, you should stick to your original payment option, plus pay extra if possible," he says.
Paying Small vs. Large Balances
When looking at debt repayment in terms of small versus large balances, the experts say it's important for grads to consider their personal finance habits and what motivates them.
Knocking out smaller debts as quickly as possible through what is termed as the "debt snowball" technique can be beneficial if grads are looking to see results quickly and feel encouraged from early success in debt reduction, says Yen-Sheng Lee, associate professor of Finance at Bellevue University.
"This tactic motivates you to stick with the debt reduction progression, but the drawback is that you will not save as much interest as possible when the account with the smallest balance is not the one with the lowest interest rate," he says.
No matter how grads decide to tackle debt, it's important to continue the commitment to repay all obligations in a timely fashion and with purpose, says Smith.
"Once one debt is eliminated, instead of absorbing that payment amount into the monthly cash flow, it should be reassigned to the next debt payment, and then to the next one."


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Warlocks are Overpowered
I'm affliction right now and it has some elements similar to protection. Grinding is very efficient; DoT up a mob, fear, DoT the next one, fear, first mob is dead, use drain soul and dark pact for regen. In comparison a prot paladin is more like this: pull everything, kill individual mobs fairly slowly (like DoTs) but have a steady stream of mobs getting attacked to create a high overall damage output. Use SoW for regen and figurine of the colossus for health, resulting in no downtime. In instances I often find myself in a similar role of keeping clothies from getting squished. Fear, seduce, deathcoil, and howl of terror make for a lot of control.
The Alliance does seem to be different than the Horde. I hate to start factional bashing, but more often than not they are noobs and are terrible at listening to directions. Having no Barrens results in Barrens Chat everywhere.
Being back on a PvP server was a huge change for me. It's not a constant gank-fest, but you definitely have to stay alert. I've learned to always have a healthstone and to not use deathcoil on a mob unless it is life or death. When I was destruction I ran with a succubus almost always, an invisible seducer is a valuable thing to have; but I don't use her against mobs to prevent her getting killed first. She's turned around ganks several time, pinning my new enemy in place long enough for a soulfire to deliver a lot of pain.
My biggest adjustment so far has been not tanking. It's so slow! People are taking half their time marking, CCing, I can't believe people consider such a tedious process to be normal. I ran into one paladin tank, but he told me to not tell him how to play his class when I pointed out that it would be faster to AoE pull. He was afraid to lose aggro on extra mobs and got offended when I said that's what holy shield and consecration are for. It just seemed silly to make a paladin and then tank like a warrior.
That leads me to my next rant; what is it with people not wanting to be told how to play? I'd love to have a warlock explain a better spec or cast sequence. So why would someone get offended by advice? Many people are so busy making themselves feel better that they never get around to actually being better.
5 comments:
- Treat said...
- This comment has been removed by the author.
- February 22, 2008 at 6:13 PM
- Lukian said...
I lost interest in my warlock too, but they are an exceptionally fun class to play sometimes. As a PvE player on a PvP server however, you are targetted to kill quite a number of times, just because you are a scrub warlock! :)
Barrens chat everywhere is actually quite amusing, it can be quite boring having nothing to do sometimes! You can do some fantastic trolls, like convince people they are actually going to add night-elf mohawks.
If you don't like it, particulary in raid instance general chats, you can just toggle it off! Trade sits nicely in a seperate chat tab for me.
Ah succubus, what a wonderful pvp pet, three horde surprise your group of three, you turn around and your lovely Mirwena has already saved your squishy little tush from a Tauren warrior.
Blizzard are making some very nice changes in the demonology tree, which attempt to make a succubus more viable in pvp/arena, hopefully it will work out (a health/armor buff would be handy though).
Rules of pvp servers: stay at high health, if you are sitting at low health, you are probably asking for it! ;)
Marking *is* a terribly tedious process and it's actually one of the main reasons I became disinterested in my feral druid.
On the other hand, my housemate (usually the healer) considers protection paladins who zerg through an instance, with no regard for any form of cc to be jerks.
I disagree, but am having trouble convincing her how much better/faster a lack of marking and crowd control is.
That said, it's good to mark one to focus DPS one.
I personally LOVE the few runs my alts have had the privilege of running with such an enlightened paladin tank.
- July 26, 2008 at 1:55 PM
- Lukian said...
Warlock Spec/Castsequence comments:
ElitistJerks forums are the best resource on the internet for all your theorycrafting needs.
Basically, you want to maintain DoT uptime and shadowbolt until your next DoT sequence (as affliction).
/castsequence reset=6/target Siphon Life, Unstable Affliction, Corruption, Curse of Agony
and then shadowbolt until you are ready to reapply your DoT.
When I don't need to use Curse of Elements (rarely, since blizzard combined this spell with Curse of Shadow), I aim to allow Curse of Agony to tick it's full duration, and reply it just as it drops off, otherwise the same applies to Unstable Affliction.
Shadowbolt should be about 50% of your damage, with your dots dealing about 12% each (except siphon life, which is quite weak due to the health return).
Also see, maxdps.com
Now with Shadowbolt being 50% of an affliction warlocks damage, where does this theory come from that we should maximise spell damage and completely forget about spell crit?
Personally, I stack haste, it's a fantastic and fun stat! I hate missing out on that last Shadowbolt just as the mob dies, although, I really should be using life drain for instant/sustained DPS, or drain soul if I need the shards at this point. ;)
Enjoy the warlock nerfs when 3.0 hits (particularly the buffs to melee classes that will increase our squishiness!). :) Although, those 51 point talents = wow.
- July 26, 2008 at 2:07 PM
- Lukian said...
Succubus: Health increased by 20%, armor increased 22%.
Well would you look at that!
- July 29, 2008 at 6:59 AM
- Kiryn said...
You can do some fantastic trolls, like convince people they are actually going to add night-elf mohawks.
This made me laugh SO HARD now that barber shops have done just that. Seriously.
- November 12, 2008 at 8:23 PM
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The previous owner said he will make me a moderator since I volunteered and he would upgrade me.
Gotopsite.com has changed owner and currently a process of site's transfer is started. The previous owner promised to stop all current paypal upgrade subscriptions but current subscribers can stop subscriptions themseleves to make sure they are stopped.
Meanwhile for all users our ads will be disabled.
If we decide to enable our ads again then obligations to current subscribers will be fulfilled until their subscriptions expire.
The previous owner said he will make me a moderator since I volunteered and he would upgrade me.
I only upgraded about 3 weeks ago. The right thing to do is refund payment if all sites are now ad free?
I just looked at my PayPal transaction. I paid on June 2, 13 days ago. I would like a refund please. I have 45 days to take out a dispute about this transaction. I am not expecting the new owner to refund me unless the old owner passed on the money to them.
Last edited by allstitchings; 06-15-2011 at 12:57 AM.
Hello, sorry for not answering for such big period of time.
Now I have time to develop gotop100.com. It still remains ads free.
allstitchings, I had no money from paid accounts from the previous owner so I can't do any refunds. I hope you've solved this problem with the previous owner.
maplestroytop, right now I don't know if I need moderators but you'll be the first if I'll need them. Of course, if you still wish it.


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3 Tips for Post-Labor Day Job Search
In the staffing world, everyone in my industry knows that September brings an uptick in hiring. Managers come back from summer vacations after Labor Day and realize that they need to hire before the end of the year.
That being said, while there will be more jobs available, they won't all translate into public job postings. In fact, the majority will be filled without a job posting going out. Why? In a rush to get the job filled, managers will rely on their own professional network (i.e. employees, former colleagues, etc.), to find the right person for their position. And, even if they are required to post their job, by the time you see it and apply, there will already be several qualified applicants in the pipeline through referrals that historically get the job.
FACT: Over 80 percent of jobs are gotten via referral. Thus, the chances of you getting hired off a job board are slim-to-none.If you are one of the millions of Americans looking for work after Labor Day, here are three tips to help you take advantage of the upcoming surge in open positions and crack the hidden job market:
%VIRTUAL-hiringNow-topCity%1. Create a bulls-eye list.
As mentioned above, if you are going to wait until you see jobs posted on job boards, then you might as well not apply. By the time a job is posted, the word is already out within the company and referrals are being sent to the hiring manager. Your better option is to identify a list of core companies that you admire and focus your energy on networking with people who work there. That way, when they hear their boss say they are going to post a job, they can contact you. A bulls-eye list of companies is a list of businesses within your commuting range that a) impress you with what they do for work, and b) hire for your skill-set.
The easiest way to create a list like this is to use the company search tool in LinkedIn. Sort the companies by industry, size and ZIP Code and work until you have a list of at least 50. Then, start to look up each company and narrow the list down to 25 companies that really excite you. These become the target of your proactive networking so that you can maximize the time you spend looking for work.
2. Set up Google Alerts.
Once you create your bulls-eye list, you should take the time set up Google Alerts for each one. This will send to your email inbox any news items related to the businesses on your list. Companies that are moving to larger office locations, launching new products and services, or announcing new partnerships or major clients, usually follow up those actions by hiring more staff. You can get a jump on knowing who might be hiring on your list if you stay up-to-date on what's happening in their business. And, as an added bonus, should you network your way in and get an interview, you'll be prepared to discuss what's happening in their company and impress them with your current research.
3. Network deep, not wide.
Instead of trying to meet hundreds of people at different companies, your time is better spent trying to meet as many people as you can at one company. Here's why: When it comes time to hire, most managers will ask their employees if they know anyone for the job. It only makes sense. Why not try to hire someone that an existing employee has already met, likes and says would fit in with the organization? So, if you try to meet several people at one company, then imagine how the conversation would go when they all said they met you, liked you, and can see YOU joining the team? Plus, the more people that know you in a larger company, the more opportunities they will hear about and potentially share with you.
EXAMPLE: Hired Without an in-person interview.
Last September, I was working with a recent grad who had created a bulls-eye list with me and was working the process throughout the summer. In particular, she managed to land five, yes FIVE networking meetings with different managers at a company that she dreamed of working for. Unfortunately, none of them had an opening, but they all told her that she would be great for the organization and gave names of other people to meet with. She continued to study the Google Alerts on the company and stayed in touch with the network she created there.
In September, she got a call out of the blue from a senior executive that she had never met who ran a division of her dream company. The manager had gotten her name from not one, but several of the people she had networked with. The manager said, "I sent out an email to my team to see if they had met any talented people for a role I needed to fill quickly, three different people sent me YOUR name."
The manager proceeded to phone screen her on-the-spot, testing her knowledge about the company. My client was able to comment on news from her Google Alerts that related to what the manager was talking about. Thirty minutes later, she was offered the job over the phone. When my client asked, "Don't you need to meet me in person?" The manager said, "No. I trust my peers and like what I heard. Can you start next week?"
Don't underestimate your ability to get a job this fall. Follow the steps above and you could be in a new position before the new year.
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Hi Everyone! Did everyone have a Happy Thanksgiving? Hoping all of you have lots to be thankful for and many delicious things to eat surrounded by family and friends! Celia hosted Thanksgiving this year, setting a beautiful table, full of all our favorite gourmet recipes!!! Her son Mark helped her prepare a lot of the food, while Greg fried 2 turkeys and we all anxiously awaited Davis' arrival from CA! Mom and Vicente, Mark and I rounded off the group for a special time we all enjoyed! I was surprised I was able to stay up as long as I did and took my time making sure I tasted every dish!
This has to be one of the hardest treatments I've gone through - whew! I spoke to Mandy, one of Dr. Yakes P.A.'s a couple days ago, and even asked her whether it was just me being a "complainer" or if it seemed like this was just a tough time. She definitely agreed w/me that I had a very hard time of it. Since my previous treatment, I'd had several major bleeds from the inside of my mouth requiring me to have a couple of blood transfusions in order to "fill up my tank" to capacity! That alone is no fun. I was just getting over the bruising from the one transfusion when I needed another right before this procedure.
My sister Celia and Mark take turns going w/me to Denver and poor Celia got stuck with me this time! Normally we arrive in Denver on a Tues., then I go in to Swedish hospital the following morning for my embolization and and kept overnight for observation and released the next morning, which would be Thursday and we would fly home that afternoon. Well, since I had been having these major bleeds going on, Celia thought it might be a good idea for me to just be checked in to Swedish the moment we arrived on Tuesday - which is what we did. We all felt safer this way, didn't want to have a bleed @ the hotel and have to buy the matress like it had happened once before!
I was happy to find one of my favorite nurses would be on duty - he was one of the original "dream team" as I call the group that took care of me the very first embolization procedure I had! Dave Labadie is so enthusiastic and full of energy and an awesome nurse! Saw another favorite that came by to say hello - Zufan! The staff have become like family and always ask for my own family as well! One of the cleaning staff, is a dear and always keeps me in her prayers - it was nice visiting with her!
Next morning it's finally time to go have the procedure done, and I asked that Dr. Yakes go easy on me, even though I know he knows best what needs to be done @ the time! (He ended up using 21 cc's of alcohol - that is ALOT)! Dr. Yakes took some time to talk to Celia and I before I was put under - I commented on how I heard that my fellow facial avm-er Shalon is now "done" with her treatments! Dr. Yakes said that would be me too some day! I cannot even imagine! I will include a photo of Shalon and her husband Josh. Shalon has been instrumental in helping me w/so many avm issues! She created my blog and has been so supportive in every way! If I didn't have her, I would have probably already gone nuts wondering whether this would ever be over for me! Just seeing her go through and complete her treatments, gives me new hope to strive for the end of this journey!
Back to story .... course next thing I know, I'm waking up in recovery and not a happy camper @ all! The steroids I have been taking for the swelling have had me craving strange foods, so I've been eating a lot of dairy even though I am lactose intollerant! I had stopped doing that because I feel I develop a lot of phlegm that way, and this is where I think I ran into having some problems during this procedure! (I have to say, that the steroids also affect my sleeping - I tend to sleep in spurts, so I'm up until midnight, then maybe wake up @ 3:00 a.m., then again @ 5:00 a.m.). This doesn't help Mark bit since he needs his rest for work! The steroids are also drying my hands so badly, they are cracked and bleeding - but I need to take the steroids to diminish the facial swelling from the embolization.
The recovery room nurse assures me that my oxygen is @ 100%, so I'm wondering why I can't breathe well?! My mouth was so dry I could barely swallow. I kept putting my finger over my trache tube opening in order to try and clear my throat, as I wondered where my little white plastic cap that goes over that area is. I specifically talk to the anesthesiologist before going under, about needing that cap in order to be able to cough, clear my throat or whatever. I'm not allowed to bend my right leg, as Dr. Yakes has done an angiogram, but I grab on to the bed frame and pulled myself on to my right side, hoping that in that position I'll be able to breathe easier. It will be a while before I'm allowed to get up or bend my right leg and I just start praying Hail Mary's trying to keep myself calm. I am able to "write" the nurse a note asking for pain medication and am visited by Kelly, Dr. Yakes Physician Asst. Celia was brought in to see me and apparently, while I was under, I learned that I had problems breathing several times during the procedure - so am told I will spend the night in ICU in order to be monitored. I just wanted out of there and to be able to sit up @ an angle, hoping to be able to breathe easier!
Once I'm in ICU, I have a fantastic nurse that is doing everything possible to make me more comfortable. I'm having lots of anxiety, due to so much phlegm - even placing my cap over the trache tube opening is causing me to hack a lot and close to throwing up. Poor Celia - having to witness my suffering and trying to help in any way possible! I was afraid to "sleep" and not be able to breathe, so I would ask for medication to calm me down. I kept standing up next to the bed, just happy to not have to be in it anymore! I spent one night in ICU (Wed. night) and 2 more nights in a regular room where I was finally released on Saturday morning! See photo of me w/the last RN on duty to take care of me before being released! Everyone @ Swedish is so fantastic, caring and supportive! Celia ended up having to rearrange our flight, her hotel stay and everything in between to accomadate my having to stay extra days that we hadn't planned on! Even had a priest come by to give me the annointing of the sick - that was so great! Told me Dr. Yakes is a good Catholic - good to know!
I find out that I have a pseudomonous (sp?) infection in that open wound on my face - who knows for how long, but I'd recently started going back to wound care, since after the previous treatment, I had some black "scabbing" that I knew needed to come off in order for it to heal under there. I was put on some IV antibiotics by the Doctor for Infectious Disease and Control in CO, and knew that when I got home, the IV antibiotics needed to continue! Had a pic (sp?) line put in on the back of my upper right arm where the IV would be administered. I asked to be sedated a bit for that, knowing that would cause me anxiety.
Celia made arrangements to have Nurses on Wheels come in once I got home, before we even left the hospital, to teach Mark how to give me the IV and also to do my wound care. The IV antibiotics upset my stomach so much, so my primary care physician advises me to take acidopholus and Activia a couple times a day. I'm also low on postassium and iron and am taking calcium, so on top of all the other meds, I have to toss in a few vitamins!
As unpleasant as all this has been for me - Mark is not having any fun either! He no longer has the wife he married, but a sick individual he is having to take care of that is none too happy about what is happening to her! Pray that he continues to have strength for us and that we both survive this time of our lives! I also have to add, that both Mom and Celia have gone above and beyond (and Greg is a Saint!) in helping me with anything I need - from taking me to my primary care physician, to helping me pay for office visits, meds, helping around our house - anything they can do to make things easier for us! I couldn't ask for better family/friends as a support system - Thank you everyone! My in-laws Doris and George always keep me in their prayers as well as list me in their parish prayer book! My brother -in-law Jim and his wife Shelley are extremely supportive with prayer, financial, get well notes and generally being there for us! I have the best friends ever - always doing things to make me feel better - offering prayer, calls, e-mails and surprise gifts to cheer me up! All my aunts and uncles have either called us while we're in CO, or e-mailed me or through Mom with all their love and prayer - love all of you! I'm so blessed! I remember thinking while I was laying in recovery - that how miserable I was right then would be a distant memory later .... but dang, I am only so strong and this really took it's toll on me!
I just can't get over how I'm feeling and acting older than Mom and Vicente right now! It's been difficult to realize that my body won't do what my mind tells it to do! I'm guessing from the very strong IV antibiotics that might be causing the weakness in my limbs. I can barely raise my arms high enough to wash my hair. I have to "wrap" my IV site in plastic to make sure it doesn't get wet, otherwise I'll have a bacterial infection. My legs can barely make it down the two steps on the porch - yikes! For a while, I was taking too many oxycontin, so Dr. Boynton got me off of those by using a Fentanyl patch that would decrease in strength with time. In order for that pain patch not to burn my skin, the doctor had me spray an inhalant on the area, then place the patch over it. Apparently I "missed" an area in a line of several inches, because about a week ago when I replaced one of the pain patches, I had a burn mark on my leg that hurts alot! It was tender for a few days, but feeling better lately.
Of course my furry children Hanz and Bella keep my spirits up - they are so sweet and cute! They're mommy's angels! Here are some photos of our babies for you to enjoy! You should see how excited they get when Grandma or Aunt Celia come over! Hanz got so excited once when Uncle Greg came over, that he almost had an asthma attack! Breathe Hanz! :)
Finally the IV antibiotics are done - went to see Dr. Boynton yesterday to have a culture taken, so we can see if that infection has cleared up! Once we determine what is going on w/that, I can have that pic site removed! I am anxious to get back to work! I had called the HR person when I first returned from CO and asked whether I needed to worry about my job. Was told no, to just take care of myself! I'm pretty confident I can return to work Monday! I had a wound care appt. this morning that went very well! Was shown a photo of when I first started wound care this past time around and a current photo and can see a definite improvement in how the wound is healing! I already feel better being off the IV meds - that was what was d-r-a-i-n-i-n-g my strength! I'm used to being active, it was so hard to just give in to the fact that I couldn't do anything for myself except get back in bed to get rest!
Thanks again Mom and Celia for everything you do for me!


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I am a bi-vocational Christian Minister who specializes in Biblical-centered Demonology and function primarily in a deliverance-type position as an exorcist for Southern Maryland, DC, and Central Virginia. 30+ years experience dealing with what is now called "the paranormal". I am married and have two amazing children. Retired Coast Guard veteran with maritime law enforcement experience, I am a PhD candidate in Theology, hold an M.B.A. in Project Management from Norwich University, have diplomas in counseling and psychology, and was an EMT/Firefighter in the local communities where I was stationed. View all posts by Rev. LJ
|Rev. LJ on Demons and Ghost Hunting
|Loretta S Hickman on Demons and Ghost Hunting
|Rev. LJ on Exorcists say that real life a…
|Myrle Janeiro on Intercession and Forgiveness
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Mrs. Sena Parks has lived in Galax all of her life, she is a 1992 graduate of Galax High School. She is married with 2 wonderful daughters.
She received her Bachelor's Degree in Business Administration from Radford University in 1996. She worked in sales and marketing for 10 years before obtaining her Master's Degree in Business Administration from Liberty University in 2007. She then began teaching in the Grayson County School System in 2010, while teaching and working in technology there she received her Master's Degree in Educational Technology for Liberty University in 2017. Mrs. Parks loves teaching Business and Technology to all grade levels and is very happy to be doing so back "home" at Galax High School.


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Video from Regal Publishing Group -
Clayton and Ellen Kershaw talk about their book "Arise".
I've posted this before as soon as I got the info, but haven't put it down in one post. Here it is, you have five opportunities to get your book signed.
Clayton Kershaw with Ellen Kershaw Book Tour
(note: signing books only. No memorabilia)
Sunday January 15, 1 P.M. to 3 P.M.
Ralphs, 19781 Rinaldi St., Porter Ranch, CA 91326
Sunday January 15, 6:30 P.M.
An Evening with Clayton and Ellen Kershaw
Calvary Chapel, South Bay, 19300 S. Vermont Ave, Gardena, CA 90248
(Book signing is after church service that will feature the Kershaws)
Monday January 16, 1 P.M. to 3 P.M.
Costco, 1220 W. Foothill Blvd., Azusa, CA 91702
Monday January 16, 7 P.M. to 9 P.M.
Barnes and Noble, The Grove, 189 The Grove Drive, Los Angeles, CA 90036
Tuesday January 17, 12 Noon to 2 P.M.
Costco, 2901 Los Feliz Blvd, Los Angeles, CA 90039
Sunday, January 15, 2012
Video: Clayton & Ellen Kershaw talk about their book
2 comments:
- ANDY! said...
WOW....Kershaw & his wife (Ellen) were some of the nicest people I have gotten an autograph from. Kershaw even inscreptied 3 of my books for me with "2011 NL CY WINNER". This was a GREAT event!!!!
- January 15, 2012 at 2:50 PM
- Roberto Baly said...
Hi Andy,
I was there too. Post coming up shortly. Glad you were able to make it. :)
- January 15, 2012 at 7:16 PM
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How to Insult Government Workers
There are lots of problems with pay for performance, but one of the most salient is that it implies that employees are slackers.
The current penchant for systems that evaluate educators and hold them accountable for student learning brings to mind a powerful learning experience I had in my early years as auditor of Kansas City, Mo. I was having real problems with my office's productivity: Audits were too few and took too long to produce. Since I was entranced by all the various management reform theories of the day, pay for performance seemed the obvious answer. So I announced an elaborate plan to pay my auditors based on the quality and quantity of the work they produced.
It was a disaster. What I did undermined, rather than helped, productivity. Collegiality and teamwork tanked, and it was clear to the auditors that the only thing that I thought mattered to them was money. A spirit of public service and a commitment to the mission of the office and to each other are powerful motivators, and I gutted that. Fortunately, I'm a quick study. I figured out that I'd screwed up and reversed course, but it took a while to restore trust.
Read the April issue of Governing magazine.
There are lots of problems with pay for performance, but one of the most salient is that it is insulting -- it implies that employees are slackers. If organizations truly think the people they've hired aren't working as hard as they should, they have bigger problems than how to design the right compensation package. People work for bosses, and they work better for better bosses. Beyond that, productivity experts will tell you that problems in organizational performance are almost always the result of poor systems design. Or as Governing contributors Ken Miller and Bill Bott have put it, "It's the pipes, not the people."
In public schools, pay for performance undercuts a far more powerful incentive: the love of children and of helping them learn. No one sets out to be a public school teacher because he or she is driven by the need to make a lot of money. That motivation is likelier to be held by corporate chieftains and hedge fund managers. And therein lies the problem. Many of the people driving education reform today are from the corporate sector, and they can't conceive of people who view the world differently than they do. They think problems in education result from the lack of proper accountability and reward systems and insufficient competition.
I recently spoke with several groups of public administration graduate students at the Evans School of Public Affairs at the University of Washington. I asked them what motivated them to enter public service. None of them mentioned money. Some quite literally wanted "to save the world," and all of them wanted to work at something honorable, noble and bigger than themselves. Quite by accident, my own son, now 23 and a graduate student in creative writing, found himself teaching eighth-graders at an inner-city charter school during a year off between his junior and senior years of college. The thrill of watching the kids respond to poetry made him want to be a teacher. As he put it, "Seeing this love for poetry firsthand, by people unaware of it, convinced me of its power and placed in me a conviction for not just writing, but teaching as well."
For people like the students at Evans and my son, accountability systems are important, of course, but leadership and organizational culture matter so much more.


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A NEW treasure trove has opened in Winchester offering everything vintage from homewares to clothes and jewellery.
The Consortium on Jewry Street was opened to customers earlier this month by businesswoman Mary Robinson who has been running her business from a shop in Romsey for over 20 years.
The Winchester site contains three businesses across three floors including concessions Lilies and Lavender, run by Penny Powell, and the Mint Tea Boutique, run by Becky Hopkins.
Ms Robinson said: "The shop in Romsey is just us and we've been there for 24 years now. We sell vintage, retro, painted and industrial furniture and a lot of homewares but here we have the concessions as well.
"It's just such a lovely space and having three different businesses means people want to spend more time here. We had a couple of people in just last week who spent a good half an hour just wondering around taking it all in – simply because there's so much to see here."
Mrs Hopkins, who has been running her business for four years, was reliant upon bookings and stalls before this opportunity came up.
"We have always done home parties so this is our first time in a shop and I just love it," she said. "It's nice to have some space; it really feels like home. Clothes have been selling amazingly well and no one around here sells this type of thing; people have told us that Winchester has been crying out for it."


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Polygamy Family Gets Really Good Lawyer
Kody Brown and wives have a powerful new legal force behind them -- TMZ has learned ... constitutional law guru Jonathan Turley is now representing the "Sister Wives" family in the polygamy investigation, and he's willing to fight it all the way.
Turley -- a professor at The George Washington University Law School -- tells TMZ he is ready, willing and able to sit down with the Utah County Attorney and make a case why his clients should not be prosecuted.
Turley says absent some proof that the family is engaged in child abuse or other crimes, Utah prosecutors almost never prosecute for polygamy. Turley is quick to note there is absolutely no evidence of child abuse or other crimes in the Brown family.
Turley points out ... although Utah prosecutors have a lot of discretion in deciding when to prosecute someone, people can't be hauled into the criminal justice system simply because they've gone on TV and become high profile. In legalese, it's called "selective prosecution" ... and it's illegal.
Turley says his goal is to convince prosecutors to leave the Brown family alone. But he says if his clients are prosecuted, he'll fight it hard. Turley would not say outright that he'll make this a test case and push it all the way to the U.S. Supreme Court, but he made it clear ... he will do everything it takes to clear his clients if they're prosecuted.
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Without a deal with the legislature, Cuomo creates a health exchange for New York
Governor Andrew Cuomo today signed an executive order creating a health exchange in New York, putting the state into compliance with federal law. Cuomo had been negotiating with legislative leaders to create one but ultimately was unable to reach a deal on it.
Michigan Public Radio has a good explainer on what a health exchange is, and how it equates it to a Travelocity or Orbitz; it's a site to compare prices and shop for health insurance.
Cuomo said New York's exchange will be "entirely financed by the federal government." The health exchanges are a key part of President Obama's health care reform, which has cost the president an inordinate amount of political capital and has, more than a year later, not fully materialized. Creating the health care exchanges in each state is a big step toward fulfilling the objectives outlined in the legislation.
Some Links:
"He is a jackass," Obama said of Kanye West. "But he's talented." [David Samuels]
De Blasio is critical of Super PACs, but the person who he briefly employed as his communications director just left to go work for one. [Michael Grynbaum]
The NRCC attempts to tie Hilary Rosen's comments about Ann Romney never having worked a day in her life to lots of Democrats, including Rep. Tim Bishop and Rep. Bill Owens. [NRCC]
Wendy Long tries to tie Gillibrand to Rosen. [Celeste Katz]
When Rosen resigned her job as C.E.O. of the Recording Industry Association, she said she wanted to spend more time with her family. [Alison Shahid]
The hotel workers union endorsed Grace Meng, despite Rory Lancman having carried a worker safety bill aimed at hotel workers after the D.S.K. controversy. [Andrew Grossman]
The Queens Tribune doesn't mention their associate publisher's angle in the controversy about a fourth candidate entering the race. [Chris Bragg]
The Queens Chronicle story references Michael Nussbaum and notes he heads a "political consulting firm which operates out of the offices of the Queens Tribune." [Liz Rhoades]
The QC editorial page sides with Lancman in the controversy and calls Nussbaum a "party insider." [Queens Chronicle]
"Once he was able to remove his ego and pride from the equation, he decided 30 years was enough," Lancman said of retiring Rep. Gary Ackerman. [Joe Anuta]
Towns has "no natural successor." [Colin Campbell]
Flashback: The governor hired Towns' son, Assemblyman Darryl Towns, in February 2011. [Cuomo]
Sean Patrick Maloney announced his first local Democratic endorsement and called it a "true momentum builder." [Nick Reisman]
Health Care
Through an executive order, Cuomo created a health care exchange program for the state since he wasn't able to get an agreement done with Senate Republicans. [Joseph Spector]
Kathy Wylde and Democrats applauded Cuomo's move. [Jon Campbell]
An assault rifle and other firearms were confiscated by NYPD officers in Queens today. [Jen Chung]
Local students react to watching a movie about bullying and share their experiences. [Beth Fertig]
Roger Ailes' feigned ingnorace of Gawker's existence is amusing. [John Del Signore]
Chinese media is awash in stories about the unity of leaders in the Chinese government. [Michael Wines and Keith Bradsher]
Councilman David Greenfield fought hard to get the first Orthodox Jewish community board chairman elected, telling the prior chairman, "You're out of order." [Will Bredderman]
The Staten Island Conservative Party chairman is stepping down and secretary Harold Wagner will take over in the interim. [Tom Wrobleski]
Ann Romney responds to Hillary Rosen's comments about never having worked a day in her life. [TPM]


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Langston Hughes was a dynamic artist who wrote several important works throughout his lifetime (1902-67). We have chosen to highlight his "Harlem" poem, written in 1951.
We have included a copy of the poem as well as questions and answers for your students.
For more resources for teaching during Hughes' lifetime check out our PowerPoints: