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Milo And Kate
Lionhead: Project Milo never really a game, but Fable: The Journey is
In a revealing session at Develop in Brighton, Lionhead creative director Gary Carr revealed that the shelved Project Milo began well before Kinect arrived and was never really a game – but Fable: The Journey certainly is.
Milo And Kate headlines
Molyneux: industry wasn't ready for Milo's "concept"
Speaking in one of his last interviews as creative director of Microsoft's European studios, Peter Molyneux's has told VG247 that technological ambition had nothing to do with Milo's demise: it was all about the concept.
Rumour - Milo and Kate cancelled at Lionhead [Update]
Update: "No comment" from Microsoft.Original: Lionhead's long in development Kinect project Milo and Kate has been cancelled, according to a report from Eurogamer.
Microsoft's Greenberg: Milo "absolutely" still in development
Microsoft's Aaron Greenberg has confirmed that Milo & Kate is still in development and is merely a product not slated for release this Holiday, despite earlier reports claiming the Kinect title would never ship.
Video shows actual demo of Milo at Molyneux BAFTA lecture
Well, well. Naughty, naughty.Someone managed to film what appears to be a live demo of Milo and Kate with Project Natal from the Peter Molyneux BAFTA lecture that took place last night.It shows someone showing drawings up to Milo… and him accepting them and showing them!Watch the video after the jump.It was confirmed at the […]
Microsoft files Milo and Kate patent
Microsoft has filed a patent for Peter Molyneux's Project Natal project, Milo and Kate. The amazing E3 demonstration was believed to be a tech demo only, but Superannuation speculates this patent could mean Milo and Kate will indeed be a commercial product.Time will tell.
Milo and Kate - impressions and an interview
Yep, it's called Milo and Kate. And it is a game. Peter Molyneux' Project Natal title, announced yesterday in the Microsoft E3 conference, features a 10 year-old virtual boy and a dog. On a screen. That you talk to.Kotaku's posted some impressions of it here, and Eurogamer's just gone live with an interview with Molyneux […]
Milo And Kate latest
Lionhead: Project Milo never really a game, but Fable: The Journey is
Microsoft's Greenberg: Milo "absolutely" still in development


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4. Once we shipping your package, we will send you tracking number once it is available. Package transitting time normally takes 5 to 9 business days, depending on the destination, holidays and factors beyond Postal Service's control. If there is a little delay, please have more patience. Cancel Order Policy If you want to cancel your order, please contact our customer service after you order within 6 hours, before the order has been dispatched.
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subset: commoncrawl


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Defaulting on Student Loans
Defaulting on student loans is a serious matter that deserves a lot of consideration. Before you begin applying for student loans, it's wise to learn more about the consequences of default, how to avoid it and, if you're already in default, how to get out of it. See also Trouble Repaying Debt or how to settle defaulted federal student loans for less than what you owe.
You are responsible for repaying your student loans even if you do not graduate, have trouble finding a job after graduation, or just didn't like your school. If you do not make any payments on your federal student loans for 270-360 days and do not make special arrangements with your lender to get a deferment or forbearance, your loans will be in default.
Note that student loans are now generally not dischargeable through bankruptcy. It is fairly difficult to satisfy the requirements for an undue hardship petition. Even if you satisfy the requirements of an undue hardship discharge, often this will result in just a partial discharge of the debt.
Two options available for postponing repayment of your student loans are deferments and forbearances. If you are thinking about defaulting on your student loans, ask the lender whether you are eligible for a deferment or forbearance before you default.
Consequences of Default
If you default on your student loan:
And of course, you will still owe the full amount of your loan.
See The Horrors of Defaulting on Education Debt for a discussion of some of the more horrific consequences of defaulting on student loans.
Preventing Default
Getting Out of Default
Collection Agencies
Wage Garnishment
Defaulting on Private Student Loans
Federal Guide to Defaulted Student Loans
The US Department of Education Debt Collection Service publishes a guide called Guide to Defaulted Student Loans to help students repay their defaulted student loans.
Other helpful web sites include:
|Home | Loans | Scholarships | Savings | Military Aid | Other Types of Aid | Financial Aid Applications
Answering Your Questions | Calculators | Beyond Financial Aid | Site Map | About FinAid®
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Mark Kantrowitz, Founder


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DAF front view camera
What remains hidden from the mirror is shown by the camera
The DAF front view camera system helps a great deal to make truck driving easier and safer. In one single glance, the driver can oversee a much larger area than legally required, which substantially reduces the chance that more vulnerable traffic participants get overlooked.
The front view camera system consists of a camera on the external sun visor and a double DIN video monitor in the dashboard wing. Mounted high on the cab, the front view camera offers a perfect view of the area immediately before and beside the cab. The front view camera can be chosen as an alternative to the front view mirror.
The front view camera covers a much larger area than defined in the legally required frontal field of view. The front view camera offers a perfect view of the area that is hidden from direct view through the windows.
A front view camera enhances the vehicle safety and reduces strain on the driver.


text: Thursday, October 20, 2011 New APTA Resource on Pelvic Floor Dysfunction Available Online New FAQs developed by APTA, in cooperation with the Section on Women's Health, explain the physical therapist's role in managing patients with pelvic floor dysfunction, describe various treatment methods, and outline the procedure codes used when reporting these services. The document also provides examples of the elements that should be included in visits and encounters for pelvic floor dysfunction. Comments FYI, After one of my workshops on the sacroiliac joint, one of the participants who taught incontinence training in Hong Kong, told me that after full correction of SIJ dysfunction, many of her patients no longer needed the training. More information on my website at www.thelowback.com, How it works, why it hurts and how to fix it. Posted by Richard L. DonTigny, PT on 10/21/2011 2:19 PM Is fecal incontinence, SUI,and UI getting denied as medical dx for others? Posted by jennifer knight on 10/21/2011 2:39 PM I am searching for a therapist in my area that is qualified in both internal and external therapy for Pelvic Floor Dysfunction. I am located in Wilmington, Delaware. Near Christiana Hospital. Can you recommend any qualified therapists'? Posted by Patty Weyl on 1/3/2014 8:23 AM I am searching for a pelvic floor therapist in Minnesota that is specializes in pelvic floor dysfunction in men utilizing internal and external trigger point therapy. Can you recommend and qualified therapists? Posted by Susan Burggraf on 11/6/2014 3:01 PM Hi. I would like to get certified in pelvic floor rehab. But, I'm not finding good resources like a certified PT to work under. Do you have any ideas? Im a PTA. Posted by Brandi Frazier on 2/23/2015 6:02 PM Brandi, where are you located? Posted by Bonnie Cardenas on 3/14/2015 1:44 AM I would like to locate a PT for pelvic floor treatment to help with motility problems/rectal & intestinal. area code 02026 Posted by Andrea Muraida on 5/15/2015 9:23 PM Hi, i'd like to find a pelvic floor therapist in the New Haven CT area, thank you Posted by Pam O'Neil on 10/28/2015 7:15 PM I am looking for a pelvic floor therapist in Albuquerque, Santa Fe or Northern New Mexico. Posted by Paula Schuster on 11/18/2015 2:23 PM I am interested in taking the Pelvic Floor Dysfunction Level 1 in order to work in an upcoming program which is establishing at the new VA Medical Center. I reside in Orlando, FL, will any courses be provided in this area in the next couple of months? Niurka PTA Posted by Niurka Maria Canetti on 3/14/2016 3:11 PM Hi, I am looking for a pelvic floor therapist in the Madison Ct area or New Haven, Ct. if need be. Desperate! Thank you. Posted by Jen on 4/5/2016 11:30 AM I'm looking for a therapist that deals with male pelvic floor dysfunction. I prefer a male therapist. I am in the area of Austin, Texas Posted by Arturo Cordova on 8/22/2016 11:59 AM Needed infos for Physical therapist program /seminars to be certified in pelvic dysfunctions by APTA Posted by Nancy Hernandez on 11/29/2016 8:59 AM Hello, I would like to know if there are any pelvic floor dysfunction thearpists in Michigan. Thank you Posted by Kaley on 1/2/2017 11:27 AM Hi Kaley - You may want to try our "Find a PT" resource at www.moveforwardpt.com (it's one of the choices at the top). You can select your location and distance to be included in the search, and then filter by area of focus. One of the choices is "women's health"--a possible start. Best of luck to you. Posted by APTA Staff on 1/3/2017 8:06 AM I am a 1st year DPT student at the University of Wisconsin-Madison. We are in the process of selecting our 9 week clinical internship sites for 2018 and I am interested in finding a location or a CI who specializes in pelvic floor PT. I would be particularly interested in anyone who does or has interest in working with survivors of sexual trauma, and/or works in conjunction with mental health services to treat pelvic floor dysfunctions. I am willing to travel anywhere in the country, so any ideas are welcome. Thanks very much! Posted by Laura on 2/10/2017 10:10 AM I am wondering if a PTA is able to get PFD certification and what resources are out there. I live in New Mexico, very rural area with lack of specialized womens resources as such. Posted by Alexandra Heath on 12/15/2018 2:25 PM I am looking for an experienced Pelvic Floor PT to work at our site in Colorado Posted by Janel Bloch on 9/10/2019 3:11 PM Beaumont Hospital Troy in Michigan is looking for a full time pelvic floor therapist that would like to travel between closely located outpatient clinics. A stipend is provided on top of the regular salary. Currently we have 7 PF therapist, 4 are certified and the remaining close to certification. If interested please contact me. Posted by Reyna Colombo on 2/17/2020 12:25 PM


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Field RJ45 connectors are ruggedised forms of the common RJ45 connector standard most often used to carry Ethernet connections in a networking context. The RJ45 standard utilises an eight-pin plug or jack connector interfacing to twisted-pair CAT standard cabling.
Why use field RJ45 connectors?
Compared to standard RJ45 connectors, field RJ45 connectors incorporate environmental shielding and strain relief into both the connector–cable and connector–socket interfaces. These features allow the RJ45 standard to be used in applications where the wiring system will be exposed to dust, vibrations, water and mechanical stress, depending on the type of field RJ45 connector chosen.
Features of field RJ45 connectors
Typical features of field RJ45 connectors include cable entry seals to prevent environmental contaminant ingress from the cable to the connector, and screw-terminated shields around the RJ45 interface itself to transfer loads independently of the electrical connections, as well as providing robust sealing from the environment. Field RJ45 connectors are available both as cable–cable interconnects and and as panel-mounted sockets depending on the intended use case.


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by Chef Shaya
Flank steak is great for grilling because it's not too expensive, and since it's naturally a thinner cut of meat, it grills up quickly and easily. Flank steak also really lends itself well to rubs and marinades because of its shape and type of meat.
Yield: About 10-15 servings
1 Flank Steak (about 20 oz – 1¼ lb)
First Cold-Press Oil
For the rub:
1 teaspoon salt
1 teaspoon coriander, ground
1 teaspoon cinnamon, ground
½ teaspoon black pepper, freshly ground
½ teaspoon cumin, ground
½ teaspoon nutmeg, freshly ground
½ teaspoon spicy paprika (optional)
1. Mix all the spices together in a small bowl, and ensure that they are evenly mixed.
2. Wash and thoroughly dry the flank steak. If it was frozen, make sure to completely thaw it out first (preferably overnight in the refrigerator). It's important that the steak be rubbed dry before applying the spice rub.
3. Evenly coat both sides of the flank steak with the spice rub mixture, massaging it with your fingertips into the meat.
4. Lightly coat the outside of the spiced steak with some oil – you want it to be glistening.
5. Allow the steak to marinade in the rub for at least an hour, but no more than 3 hours, in the refrigerator.
6. About a half hour prior to when you're ready to grill the steak, take it out of the refrigerator and allow it to come to room temperature.
7. Make sure your grill is nice and hot, and brush it with oil before you place the steak on the grill.
8. Let it cook for about 5-6 minutes, letting the grill marks form on one side.
9. Flip it once, and allow it to cook for an additional 5-6 minutes on the other side.
10. Remove the flank steak from the grill, and allow it to rest for at least 10-15 minutes to allow the juices to redistribute.
11. Thinly slice, against the grain and on an angle, and serve.


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The line between leak and press release gets fuzzier everyday.
An email that reportedly found its way from Paramount Studios to The Wrap has status update on a number of projects:
- Kathry Bigelow is said to have met with Will Smith about "Triple Frontier" - word of this project about the no-man's-land between Argentina, Paraguay, and Brazil came out a couple of months ago. It's said to be an ensemble piece with big names interested, so Smith isn't out of question.
- JJ Abrams wants to make a movie based off the game "7 minutes in the closet, in which two participants emerge from the closet to find all their friends dead. -- Heat Vision reported on this in much greater detail earlier today, so this one seems on the money.
- Paramount is in negotiations to pick up Jason Reitman's next film, "Young Adult," written by "Juno" scribe Diablo Cody -- Two weeks ago Charlize Theron was said to be in talks for the role, Paramount worked with Reitman on the very profitable, very prestigious "Up In the Air," so a reunion makes sense.
A representative from the studio says the email is "not a Paramount document," and that some of the info is right and some of it is wrong.
There's a load more info in there. Have at it and draw your own conclusions.


text: CITES (the Convention on International Trade in Endangered Species of Wild Fauna and Flora) is an international agreement between governments. Its aim is to ensure that international trade in specimens of wild animals and plants does not threaten their survival. It is presently preventing our international distribution of Peacock and Cashmere Goat Hair. Any selection of these items in any international order will simply be removed (and refunded if necessary) prior to shipment.


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Sometimes I wasn't tracking at all. Those weeks I found that I was certainly able to still eat healthy (I have practically memorized calorie info for some foods because of all the tracking I've done in the past). However, I noticed I was more likely to eat more than I needed and to justify that not-very-healthy foods were a better choice than they were. For example, when you're not tracking, it's easy to think, "That piece of banana bread wasn't so bad. It had banana in it—it's practically a serving of fruit!" Then in reality, that piece of banana bread was a 400 calorie snack followed up by an 800 calorie lunch.
But even the weeks that I only tracked for a couple days, I found that tracking my food was a great way to maintain a realistic view of the decisions I made around food.
The gal who leads my FP4H group kept recommending MyFitnessPal.com. I was hesitant to even try it out. I have tried other food tracking sites, and I find most of them very frustrating. Either their food database is small making it hard to find any foods that I eat, or it's plastered with so many "Lose belly fat!" ads that you can barely see the site, or it doesn't let you set any custom settings making it useless to tailor to myself.
But I am loving MyFitnessPal.com! Not only can I custom set all the nutritional and fitness settings, but their food database is amazing. I was able to specifically set my daily max calories, and my percentages of Protein/Carbs/Fat. You can even set the nutritional limits (like a sodium intake limit), and then tell it to track that on your food diary page. The display is really easy to read and browse, and there's even a print option if you have to take your diary with you (like to a meeting).
There's also a great community! You can invite your friends and they can see your food and fitness diaries. Oh! AND there's a phone app for it (on both iPhone and Windows Phone).
Honestly, this site is hands down the best calorie tracker I've ever used (it even beats the 20/20 Lifestyles tracker which was previously my favorite). If you decide to join, message me and we'll encourage one another!


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Welcome to the Rehab Department
Our Goal à Provide the most suitable equipment to high end patient's with the input of all medical personnel involved in the patient's care. We like to make sure the therapist, nurse, physician, and patient all feel the patient's needs are met with the best equipment available in today's market.
How we meet our goal à through open communication with the patient and all medical professionals involved. We complete a home evaluation with the patient and make sure if the patient is working with a therapist that we schedule a seating clinic at their convenience. We will provide assistance in the way of explaining all insurance guidelines for the patient's individual plan. Follow up on paperwork is key to ensure the equipment is provided in a timely manner. Our seating technician with over 5 years of experience will carefully evaluate and measure the client to be sure the equipment will fit their particular needs. Our certified ATP will assist in selecting the equipment.
Follow up à Once equipment is delivered, we follow up with the patient with any adjustments or concerns. Our technician will come back to the home for up to six months to help with any of these adjustments so that the patient will not have to go without their equipment. After 6 months time if there are any mechanical issues we will provide loaner equipment even if this is not covered by the patient's insurance to ensure the patient remains independent as much as possible.
Rehab Coordinators responsibilities include à initial contact with the patient. Gather all relevant information that will begin the process. Contact the physician for needed documentation. If needed fax over a summary of the insurance guidelines. Set up the home evaluation. Set up needed seating clinic with any involved therapist. Provide the physician with detailed order/description of what the patient would be receiving. Main contact for the patient and health care professionals for status of the equipment.
Seating specialist/ATP's responsibilities à meet with the patient and health care professional at the facility or home for all seating assessments. Spec out the equipment specifically for each patient. Order all equipment for the patient once all support documentation is received. At delivery of the equipment, they will instruct the patient on operating the equipment. Be sure to explain how to charge and care for the equipment. Make any adjustments that may be needed. Return upon patient or health care professionals' request for modifications or adjustments. Rehab Contact Information firstname.lastname@example.com Rehab Manager: Sarah Brown x 7024 email@example.com ATS: David Bruinsma email@example.com Rehab Tech: Jackson Long x7023 email@example.com


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Kansas pheasant hunting forum, meet up with Kansas Hunters, spots to hunt in Kansas and Kansas related posts.
Use this control to limit the display of threads to those newer than the specified time frame.
Allows you to choose the data by which the thread list will be sorted.
Order threads in...
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Forum Rules


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by Tatum Hogan
Working day in and day out,
Tending the garden,
Preparing meals,
Caring for my sick children —
Ernest, Jan, Silas, Virginia —
But never, never letting them see my struggles.
I was all they knew.
As I'm watching them mourn, I wonder.
Who will take care of them?
Maybe they'll soon have families of their own.
They will struggle;
Good days will outweigh the bad;
They'll think of me often.
But for once, I have something I've never had before:


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Milan, Italy, 9 March 2011 Consider the simple situation in which you are walking around the kitchen and decide to pick up your own cup of tea, which is identical to others lying on the table. Your brain chooses the correct cup of tea by using different types of information that you have stored about the position of the cup in relation to the kitchen table. The information can be represented in qualitative terms (left, right, above, below) or quantitative terms (distances and angles). Previous studies have claimed that the brain's left hemisphere is critical for processing qualitative (technically 'categorical'), information and the right for quantitative ('metric') processing. However, new neuropsychological findings published in the February 2011 issue of Cortex (http://www.sciencedirect.com/science/journal/00109452) show that this is not the case.
A multidisciplinary team led by cognitive neuroscientist Tim Shallice and neurosurgeon Miran Skrap working in Udine, Italy, studied the difficulties faced by 55 patients who had recently had an operation to remove a brain tumour from either the left or right side of the brain. The patients were shown a series of images of a dot inside an upright or tilted frame and were asked to reproduce its position inside an identical upright frame, a task requiring mental rotation of the image.
The team found that patients whose tumours had been in the right parietal or in the left prefrontal cortices made a considerably larger number of errors than other patients. Moreover, these two critical groups behaved rather differently from each other. The right parietal patients placed the mark in the right position with respect to a corner. However, they chose the wrong corner much more often that the other patients. The left prefrontal patients got the corner right but were otherwise highly inaccurate in their responses. It was therefore the patients with tumours of the right parietal cortex who were unable to process the categorical spatial information and perform the mental rotation. A left prefrontal tumour instead led to difficulties in the setting up of the specific program within the brain which was necessary to organize the sequence of operations required to carry out the task.
|Contact: Laura Fabri


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The Gun that Jammed
Miracles still happen! Take the case of the Mori Family. A terrorist infiltrated a home in Moshav Maor, east of Hadera but was killed before he could carry out his murderous designs. He managed to enter the home of Roland and Larissa Mori, and even to fire one bullet. At that point, however, his gun jammed, and Roland yelled for his wife to escape while he began throwing dishes and other objects at the terrorist. After Roland also escaped, two neighbors arrived on the scene and made sure that the terrorist did not leave the house.
They later recounted that they saw his gun and heard him attempting to operate it, and even called to him to leave, but he closed the door of the room and did not come out. Their efforts were critical in ensuring that the incident did not become a community-wide alarm, but was rather restricted to one house. Large army forces then arrived and surrounded the house, and after three hours, when the terrorist approached the front door, they let out a burst of gunfire and killed him. A Kalachnikov rifle, of the kind distributed to the Palestinian police several years ago, was found on his person, together with four full magazines. Police and army officials praised the quick response of the local residents.
Quick response is important but it took a miracle to save the Moris.


text: Waterfall braid Perfectly imperfect hairstyles can be created on any hair length. Regardless of your hair length, check out the following Waterfall braid and get an idea on how you can experiment with messy hair trends. Related PostsWaterfall braidingWaterfall braids tutorialWaterfall braid tutorialsWaterfall braid curled hairWaterfall braid picture tutorialWaterfall braid tutorial step by stepWater fall braidWater fall braidsWaterfall braid video tutorialWaterfall braid with curls stepsWaterfall braid curledWaterfall braid curlyWaterfall braids with curlsWaterfall braid ponytailWaterfall braid with curly hairWaterfall braidsWaterfall braid tutorialWaterfall braid with curled hairWaterfall braid wedding hairWaterfall braid with short hairWaterfall braid styles


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Look for this link on your favorites:
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At CJDR 24, we've been the South Shore's premier Chrysler, Jeep, Dodge, and Ram dealership for well over four decades. We have a single, driving goal here, and that's to provide the absolute best South Shore auto sales and service experience possible with zero stress and absolute satisfaction. When you enter our dealership, you'll be treated like you're our only concern, and that's because you are!
Picture may not represent actual vehicle. MSRP varies based on Trim levels and options. See dealer for in-stock inventory and actual selling price. With Approved Credit plus TT&L. Based on 2015 EPA mileage ratings. Use for comparison purposes only. Your mileage will vary depending on driving conditions, how you drive and maintain your vehicle, battery-package/condition and other factors. New vehicle prices reflect all factory incentives. Certification optional and fees may apply for pre-owned vehicles. Final vehicle price is determined at final sale. All vehicles require financing with dealer to receive online pricing.
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"I began studying piano with my mother at age three on the Niagara Peninsula (Canada). I later studied violin with Artur Garami and keyboard with Eric Dowling. My childhood inspiration was a series of articles about Vladimir Horowitz in Etude Magazine.
By the age of sixteen I was an Associate of the Royal Conservatory of Toronto. I was introduced to the harpsichord and Fenton House by Thurston Dart in London England, to gamba making by Juliet Beamont of Cambridge, and to the baroque violin by Alice Harnoncourt.
For a variety of reasons, I took time out from a music career to raise five wonderful children: a minister, a teacher, a scientist, a guitar maker and a writer. When they were grown up, I cashed in my pension and returned to my music.
Originally, I planned to record all copyright-free works for the harpsichord in General MIDI format for free distribution on the Internet. If you enjoy the trip, who cares if you get there! But, something happened on the way - the trip got nasty.
I play for myself now. " See site for more info. (ed.)
Category: Ensembles/Performers/Associations/Societies / Keyboards
Added on: Feb 02, 2008 | Hits: 3772


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Besides being among the hottest actors in Hollywood right now, Jessica Chastain can now add "beauty spokesperson" to her resume.
On Friday, Women's Wear Daily announced that The Help and Madagascar 3 actress has been tapped by Yves Saint Laurent as the face of their new fragrance, Manifesto. Chastain follows in the footsteps of Emily Blunt, who began appearing in ads for YSL's iconic scent, Opium, late last year.
"Yves Saint Laurent is a brand that inspires me deeply," Chastain told WWD. "Since its creation, the brand has conveyed strong values that I cherish, such as an unwavering commitment, absolute love and feminine audacity. This new fragrance is an emblem of it all. I am [excited] to be part of this beautiful adventure."
Manifesto will launch first in France later this summer and will hit shelves in the U.S. in early 2013.
The redheaded beauty isn't the only breakthrough star to have caught the eye of a major perfumer. True Blood hunk Alexander Skarsgard is set to front Calvin Klein's new men's fragrance, "Encounter," which will debut this September. The deal marks the Battleship actor's first endorsement.
For access to all our exclusive celebrity videos and interviews – Subscribe on YouTube!


text:
Our latest competition Small Is Beautiful is now closed! Read more
Our latest competition Small Is Beautiful is now closed! Read more
Find out who won our latest competition 'Spring In Their Step' Read more
The first annual World Animal Vaccination Day takes place on 20 April 2016. The day is raising awareness of the vital role vaccines play in protecting the health of animals and often, as a result, people too. The first Day's focus is the importance of cat vaccination and keeping these vaccines up to date. Read more
Why not upload a photo of your pet to our Happy Healthy gallery? Read more
Our competition 'Spring In Their Step' is now closed. Thank you everyone who entered, we will announce the winner soon! Read more
The festive season may be a dim and distant memory and January's resolve may be weakening but February is a great time to focus on getting your New Year's resolutions back on track – especially when it comes to your pets and helping keep them happy and healthy all year round. If you're stuck for inspiration, we've put together a handy set of resolutions especially for pet owners, to get you started! Read more
We are delighted to announce the winner of our Cosy Pets competition which ran in November! Read more
Keeping your pet happy and healthy is really important, and for our pets, just like us, prevention is better than the cure, Read more
We are delighted to announce the winner of our Best Friends competition which ran in September! Read more
We are delighted to announce the winners of our 'Playful Pets' competition which ran in July! Read more


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I'd like to write about the implications of living longer for retirement planning and the role that behavioral biases play in the difficulty people have in planning for their retirement years. My research interests are in how people think about the future, especially when they are planning for the future, and how thinking about the future is different than thinking about the present. My research supports what the physicist Niels Bohr (and many others) reportedly said, "predictions are difficult, especially about the future." The first and biggest challenge is paying attention to the future long enough to make a plan. Why is thinking about the (far) future so difficult, especially when it comes to money? You might think it is simply because people are short-sighted and greedy. We know from behavioral research, however, that given a choice between a healthy snack and a sweet treat, people will eat the treat now and plan to have the healthy snack next week.1
However, when next week arrives, they do the same thing—indulging their current self now and promising virtuous choices for the future self. And to some extent, we see the same thing with financial behavior—people run up credit card debt to pay for a new TV or a winter vacation. But while I believe that self-control problems and what behavioral economists call "present-biased preferences"2 are real and important, I think they are probably a relatively minor cause of the difficulty most of us are having in thinking about long-term financial planning. I think it is important that people stop beating themselves up over their weakness of will and lack of self-control and realize that long-term planning is actually an unnatural act that requires outsmarting the brain's natural focus on the present and near-future.
Rather than demonizing weak wills and poor self-control, I will point my finger at "temporal construal" and "loss aversion" as the 300-pound gorillas of behavioral biases that make it so hard to make good decisions about our lives in 20-50 years. These aspects of human psychology are simply part of the thinking machinery, the way the mind works. They are not signs of stupidity or greediness or weakness of will. "Temporal construal," refers to the tendency for far-off events to be mentally experienced differently than closer events. In this model, "farness" and "nearness" can refer to time or distance.3
Events or ideas far off in time are thought of in abstract and general terms, with an unavoidable overlay of optimism; so thinking about yourself (or your children) in 40 or 50 years creates a mental image that is akin to pondering a vague, general, overly rosy idea rather than a detailed individual with real problems. Just think about the concept of retirement planning—one year in the future, 10 years in the future, or 30 years in the future—and I bet you can "see" this yourself. Thinking about yourself (or your children) today or in a few years' time creates a mental image that is much more detailed, concrete and down to earth, more vivid, generally more realistic, and more focused on the specific, detailed problems that need to be solved. In other words, problems that exist in the short term will receive much more attention and generate much more motivation to solve those problems than problems in the long term, even if the problems are equally important.
How do we get over this? How do we "de-bias" people to think about their future selves more concretely and vividly? A quick answer is that we need to imagine our future self just as concretely and vividly, and take the time to imagine in detail the problems that our future self will encounter. In other words, we need to force ourselves to plan for that far off future in detail. Recent research in Behavioral Economics has shown that encountering one's own aged face and pondering a vivid, concrete representation of the self in the far future can indeed shift savings intentions, at least in experimental settings.
"I think it is important that people stop beating themselves up over their weakness of will and lack of self-control and realize that long-term planning is actually an unnatural act that requires outsmarting the brain's natural focus on the present and near-future."
The next challenge is what behavioral economists call "loss aversion," first noted by the mantra "losses loom larger than gains."4 Now think of what looms large for workers in their thirties and forties. Is it the gains from their current salaries, or the gains that they could put aside for retirement forty years down the line? No, what looms large, so large that it dominates their thoughts about their financial hopes and dreams, is the hope of reducing their debts and the fears of being crushed under their debts. Where do these debts come from? Not from self-indulgence but from perfectly rational and socially approved investments in the future. Increasingly, they represent student loan debt. But more traditionally, and on a larger scale, these investments represent housing debt, and mortgage debt in particular. My point is that these traditional investments in the future work because they create a perception of loss in the present. Moreover, these immediate pressures actually block attention to even longer term investments such as retirement planning.
Let me emphasize that I am not arguing that everyone should stretch out their mortgages in order to pay into retirement accounts—this is one of those areas where financial planners (and their software) really are required to assess the effect of interest rates, time scale, and amount of the two vehicles. My point is that retirement planning, even on those occasions when people try to plan for the far future, faces a natural psychological disadvantage. Mortgages and similar debt-repayment contracts are tremendous tools of self-discipline, as they create a long-term commitment and enforce this not only legally through the binding contract but also psychologically through the constantly looming loss that is represented by the debt. There are many consequences of this, but the most relevant consequence is that current repayments are both highly motivating and consuming of attention.
Reducing a mortgage feels like cutting a slice off the looming loss that hangs over us today, and this elimination of a loss is so much more concrete, emotionally compelling, and demanding of time and attention than planning for creating gains in wealth that will provide pleasure in 40 or 50 years. Therefore, for your far future retirement needs to get any attention, you have to sit down and take the same kind of self-commitment steps for retirement funds as your mortgage gives you. For example, Richard Thaler and Shlomo Benartzi have shown that a "Save More Tomorrow" approach that provides automatic increases in retirement savings with each increase in salary can have dramatic effects on savings participation and savings rates. Providing employees with a default retirement plan that starts automatically when they join a new organization also has dramatic effects as the biggest challenge is getting new employees' attention to actually make decisions about the far future.5
1 Read, D., & Van Leeuwen, B. (1998). Predicting hunger: The effects of appetite and delay on choice. Organizational behavior and human decision processes, 76(2), 189-205.
2 O'Donoghue, T., & Rabin, M. (1999). Doing it now or later. American Economic Review, 89(1) 103-124.
3 Trope, Y., & Liberman, N. (2003). Temporal construal. Psychological Review, 110(3), 403.
4 Kahneman, D., & Tversky, A. (1979). Prospect theory: An analysis of decision under risk. Econometrica, 47(2), 263-291.
5 Thaler, R. H., & Benartzi, S. (2004). Save more tomorrow™: Using behavioral economics to increase employee saving. Journal of Political Economy, 112(S1), 164-187.


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Adding Light | Faction 08
"Atmosphere Factions" is a series of digital photographs taken back in 2007. The lighting of different camera angles was shot to focus and enhance certain areas within the art piece, Atmosphere. They illustrate the variety of imagery the artwork or style creates. Earthscapes are mixed-media paintings inspired by elements of the natural world. The pieces are created using a mixture of paint and resin on acrylic sheets or tempered glass. Pieces can be customized and installed in interior or exterior locations, including windows, shower stalls and water walls.
Coming soon: Fifty Limited Edition 1″ Acrylic Block Prints


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LOS ANGELES — Whenever she can get away, Lisa Hanawalt, the illustrator behind the Netflix animated series BoJack Horseman, escapes to a barn to visit her real horse, Juniper. She leads Juniper on runs around a riding arena, braids her beach-blond bangs and trots her through the neighborhood, where she is greeted by many admirers. Juniper is a Norwegian Fjord horse, which looks like a regular horse that has been smooshed into a shorter, thicker, cuter horse. When I arrive at the barn, which is tucked into the hills of Griffith Park, Hanawalt introduces her with a wry intensity. "This is my daughter," she says. "This is my beast!"
Juniper is looking extra cute today. She is having her picture taken, so Hanawalt has brushed her coat and picked the debris from her hooves. Hanawalt strolls Juniper easily down the middle of the street, but as she tries to coax her into a lush meadow, Juniper freezes. "She's afraid of seeing another horse," Hanawalt explains. "Social anxiety."
When Juniper finally agrees to step onto the grass, she urgently plunges her face into it, chomping passionately until her jaw is overstuffed with uprooted weeds, which she grinds into a frothy, Nickelodeon-green ooze that sloshes happily from the corners of her mouth.
The scene — an animal's inner turmoil erupts in a charmingly savage display — feels ripped from a Lisa Hanawalt comic. At 35, Hanawalt has created a whole universe of anthropomorphic characters with deeply human concerns and base animal instincts: alcoholic he-horses, anxious she-moose, dog-girls reeling from trauma and cat-women struggling to succeed in a cat-man's world. Hanawalt began populating the universe through alternative comics, then in illustrated journalism for magazines like Lucky Peach, in three books she made for adults and one she illustrated for children, and as the production designer of BoJack Horseman, the oddly moving show about a washed-up and depressed sitcom star who is also a horse. Now, she has created her own animated series, Tuca & Bertie, which represents the summation of all of her weird, wild work.
Cartoons typically use anthropomorphism to project human characteristics onto animals — to make them seem more like us. But Hanawalt's creations often achieve the opposite effect. They reveal how beastly humans can be. This is particularly revelatory when it comes to female characters. The animalism of Hanawalt's work helps reveal parts of women we rarely see onscreen — the strangest, horniest, hungriest parts. In her western graphic novel Coyote Doggirl, her lavender-furred protagonist pauses her quest to find her beloved horse in order to stuff her face with tree fruit until her eyes bug out and her stomach hurts. Whether that impulse originates from the coyote part of her, the dog part or the girl part is unclear.
When I meet Hanawalt, she has just wrapped production on Tuca & Bertie, a show about the fraught friendship between two 30-something bird-women: Tuca (voiced by Tiffany Haddish), a toucan who swaggers aimlessly through life, and Bertie (Ali Wong), a shy, creative songbird who is afraid of everything, including heights. The pair lives in an apartment building in Birdtown, a psychedelic blend of New York, Los Angeles and Mumbai that operates on loose universal laws: houseplants smoke cigarettes, phones have personalities, and Bertie has a sentient left breast that is so annoyed by her co-worker's ogling that she pops out of her sweater and takes the rest of the day off. It is a dreamy, childlike approach to serious adult material, from bird B.D.S.M. to bird P.T.S.D.
Hanawalt chose to build the show around birds because, unlike dogs or cats or horses, "they're not necessarily cute," she said. Its roots came from a nature documentary Hanawalt watched once, which showed toucans using their long beaks to dig into other birds' nests and gobble up their eggs. "Oh, my God," she thought when confronted with the horrifying image. "That's me. I eat all the eggs."
Tuca and Bertie represent two halves of Hanawalt's personality. Tuca is her id — the selfish, charming beast who comes out screaming in her art. Bertie is the first face that Hanawalt presents to the world — painfully introverted and exceptionally anxious. An early scene in Tuca & Bertie is borrowed from her relationship with the comedian Adam Conover, her partner of 10 years. When Bertie panics over a big presentation at her job at Condé Nest, her devoted boyfriend Speckle (voiced by Steven Yeun) pantomimes lightly massaging her with a "worry vacuum" to suck her anxiety away. But he gets so invested in the bit that he knocks over a glass and has to sheepishly fetch the real vacuum.
When Hanawalt pitched the show, she found the character's anxiety difficult to communicate. Everybody wanted to know why Bertie was so anxious, and she could only say, "She's anxious because she has anxiety." Hanawalt has had anxiety for as long as she can remember. Growing up in Palo Alto, Calif., "I just didn't feel like other kids," she said. "I didn't have fun at summer camp." Drawing became her self-soothing mechanism, a way for her to stay calm and centered.
Hanawalt has always drawn animal-human hybrids; at school, she pretended that she was a horse. This did not help integrate her into the mainstream of child society, but privately she expressed confidence in her choice. As she wrote in a sixth grade class assignment: "People make fun of me an call me 'Horse poop' and 'Lady Horse.' I just take it as a compliment, or I figure that they must like Horse Poo a lot, cause I hear them say it whenever I pass!" She added: "I'm also wild about art. I want to be famous for drawing Horses someday."
In high school, Hanawalt drew through every class. Though she struggled academically, she produced her own zine, Lobster Rags, and took to theater, which is how she met Raphael Bob-Waksberg, the future creator of BoJack Horseman. He directed weird plays; she built sets and made her acting debut as a dead body. Between classes, Bob-Waksberg would page through Hanawalt's sketchbook and they would make up voices and stories for her characters. When their friends all started LiveJournals, Bob-Waksberg was most captivated by hers. "We all tried to put some version of our best selves on the internet," he said, "and here was this girl just talking about her periods, and her acne and how horny she was."
In 2010, after Hanawalt had gone to U.C.L.A. to study art and risen to prominence in the indie comics scene, Bob-Waksberg emailed to ask: "Hey, do you have a picture of one of your horse guys, by himself?" He wanted to use her illustrations to pitch an animated show called "BoJack the Depressed Talking Horse." She agreed, but told him his pitch felt unnecessarily cynical. "Maybe there's a way for BoJack to not be too much of a bummer?" she wrote back. "Just a thought, I'm not an Eeyore fan."
When BoJack Horseman whirred into production, Bob-Waksberg asked Hanawalt to join the team. She said no. She was worried about sapping her energies in the service of someone else's vision. But when he asked again, she decided to step off her familiar road and onto the wild grass, and she found herself with a big job that nevertheless made her feel small. She was supposed to lead a team of people to design a show, which she did not know how to do, through a series of high-stakes social interactions, which made her want to throw up.
"I was like, 'Oh my God, I have to look people in the face and nod and listen, and do this all day? It was exhausting," Hanawalt said. "I'm used to just, like, being at my desk alone and staring at my computer."
Hanawalt thought about quitting every day. In early meetings, she did not say much, and the show's executive producers, Steve Cohen and Noel Bright, would look curiously in her direction only to find her doodling away. She was drawing the meeting itself, rendering them all as squawking bird-people. With Tuca & Bertie, she was no longer expected to attend meetings — she was expected to run them. For the first few weeks, Hanawalt had Bob-Waksberg join her in the writers' room, and she grew increasingly anxious about how she would manage without him. But when he left, she was forced to fill the space, and she did.
Now Hanawalt comes to meetings armed with coping mechanisms: a tub of stress-reducing slime, a little fan that makes a soothing whirring sound, and the fruits of therapy. A few years ago, her therapist encouraged her to personify her anxiety, so she named it Kyle and styled it as a man-spreading bro in Adidas slides who barges into her brain. He is an oddly disarming presence: an oblivious doofus who doesn't know any better. Now when anxiety knocks, she can roll her eyes and say, "Oh, it's just Kyle."
After the barn, I meet back up with Hanawalt at the ShadowMachine animation studio in Hollywood, where BoJack Horseman and Tuca & Bertie are made. Hanawalt's office is filled with toucans — a toucan stuffed animal, a toucan lamp and a sign she made for the Los Angeles Women's March featuring Tuca. Tuca's legs are spread wide, revealing a nest of bird pubic hair. The sign says "NASTY AND PROUD."
Tuca & Bertie is the rare animated television show written from the perspective of adult women. Cartoons are typically made for children, and adult cartoons are typically made for man-children. When BuzzFeed reported on the dearth of female creators at Adult Swim, Cartoon Network's programming block for grown-ups, Mike Lazzo, the creative director of Adult Swim, took to Reddit to explain that "women don't tend to like conflict" and "comedy often comes from conflict." Tuca & Bertie serves up plenty of conflict: It is filled with bird-guys who dismiss, undermine and harass women.
Even in animation, there are expectations for how cartoon women ought to look and act. Hanawalt's sketches for the "BoJack" animal characters sprang easily from her body of work, but the show's humans proved more difficult. When she submitted an initial sketch of Diane, BoJack Horseman's ghostwriter and the show's central human woman, she was told to make her more, as she wrote in a note at the time, "sexier, polished, attractive," "beautiful" and "TV cute, real-life hot."
The Diane feedback infuriated her, and though she dutifully transformed the character into a hotter journalist, she took a stand over a dog. In an early episode, there is a sight gag where a car whooshes past a dog and a businessman waiting on the sidewalk, spraying the dog's slobber all over the guy's suit. When Hanawalt switched the pair to women, Bob-Waksberg instinctively recoiled. "The first reaction I heard was like: 'It's gross if a woman slobbers. It's not funny anymore,'" Hanawalt later told NPR. But she held her ground, and Bob-Waksberg admitted he was wrong. The dog-girl stayed.
When she got the chance to make her own show, "it was very important to me to show that women are gross," she said. In one episode, animated sex bugs crawl from Tuca's crotch and take over a supermarket; in another, Bertie furtively masturbates in the work bathroom. Often, the show subverts expectations for female characters just by following their animal instincts: Tuca fries up her own eggs as a snack.
Last fall, when Hanawalt felt utterly depleted from making the show, she impulsively bought Juniper through a Facebook ad. She justified the cost to her accountant by telling him she did not plan to have children. "Either way," she told me, "you're toweling manure off of something."
Hanawalt had quit riding in high school and did not take it up again for 17 years. A couple of accidents had made her question how wise it was to climb aboard a 900-pound beast. "I just let my fear get the best of me," she said.
She is still afraid of horses, but she has learned to accept her fear in order to experience something exceptional. "If I feel uncomfortable, it's because I'm doing something right. It feels physically bad, and that's just a part of it," she said. "Otherwise I'm just staying in bed, doodling what I've always doodled."


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Voters Must Prevent Election Theft
[Black Star News Editorial]
The most important thing that every American can do is to ensure that this presidential election is not stolen.
Heading into the last week before the presidential election there is a real concern that the desperate Republican party may try to steal the votes in critical battleground states. Senator Barack Obama enjoys more than a 10-points lead in an average of most of the major national polls. More critically, Obama is leading in all the states that John Kerry won in the last election and he's also leading in several states that were once reliably Republican or "Red" states.
By campaigning aggressively during the primary against a formidable opponent, Senator Hillary Clinton, Senator Obama was able to create a national organization throughout the country. Moreover, Americans now know the Illinois candidate relatively well; they got to judge his superior intelligence, judgment, poise and wisdom during the debates. He is competent and most Americans, judging by the national polls, know that he's the most suitable candidate to bring change and lead the nation forward. Obama has a plan to stabilize the economic turmoil, arrest the decline and launch job-creation programs so Americans can put food on their tables. That's why Obama is now leading in Florida, Ohio, Michigan, and Pennsylvania, states with huge electoral blocks. Moreover, he's leading in states such as North Carolina, usually reliably Republican, and in Virginia and even Colorado.
But this election is not over. There will be attempts by Republican partisans to steal the vote. Already in Ohio, there have been law suits by Republicans, first to prevent the homeless from voting, then to try to purge voter rolls by challenging the validity of some names due to error in recording those names in different data bases. The courts have firmly repudiates these dirty tricks; in case of the purging of names, the case reached the US Supreme Court which stayed the action, allowing Americans to vote freely.
Word comes that as early as today; a judge may hear a case in Colorado, where Republicans are trying to steal the state's nine Electoral votes. The Secretary of State, Michael Coffman, reportedly has struck 30,000 names off the voter roll. His defense? That he's only struck down 15,000 names, not 30,000. How absurd!
In Florida, John McCain has said that the voting there is susceptible to "fraud." Why would he say this when the only party that has stolen the election in Florida is the Republican party, unless he's preparing the groundwork for his operatives to steal the election?
Fortunately, Florida Governor Charlie Crist publicly repudiated the reckless McCain comment. It's clear that the governor wants no role in any attempt to usurp the US Constitution. Additionally, the Democrats aren't taking chances this time around and already 5,000 lawyers have been dispatched to Florida as election monitors and thousands more to other parts of the country.
Major news outlets such as CNN have also set up toll free numbers for people throughout the country to call in if they see or hear about instances of voter fraud----that number to call is (877) 462-6608 or (877) Go CNN 08. People can also call this newspaper at (212) 481-7745 with their accounts about possible election thefts.
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Dramaturgie im zeitgenössischen Tanz ist ? positiv gemeint ? ein heißes Eisen. Idealerweise sind Dramaturginnen und Dramaturgen während der Erarbeitung eines Stücks die besten Freunde der Choreografen. more
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Why reviews of this book came so late in the major national papers is a mystery. Anita Kugler's "Scherwitz, der jüdische SS-Offizier", the story of the - possibly - Jewish SS officer, Eleke Scherwitz, is the most exciting non-fiction book of the season. (Read an excerpt in German.) Kugler, a first-rate journalist, tells the story of a young man who saved - but perhaps also murdered - Jews in the Latvian concentration camp at Lenta. The German courts sentenced him with exceptional harshness after the war, justifying their decision with the comment that his being Jewish made his crimes particularly abhorrent! Kugler's book follows the trail of this survivor. If it hadn't been a question of life and death, Scherwitz - after 700 pages we still do not know if this was his real name - could easily be portrayed as an impostor. This unbelievable story is also a book about writing history. Kugler set out to find Scherwitz' contemporaries and went door to door through villages asking about him. And she spent seven years in the archives. Her conclusion: even eye witnesses lie. FAZ critic Hans-Jürgen Döscher complains Kugler can establish conclusively neither the origins nor the motives of her "hero". In the SZ, historian Susanne Heim finds Scherwitz' story "as exciting as a detective novel", while still deserving to be called good historical writing.
Valentin Groebner writes a new type of history in "Der Schein der Person", a social history of medieval practices of personal identification and ID control. Writing in the FAZ, historian Michael Borgolte praises the 'new scientific style' of the author, which is both narrative and highly readable. Groebner's study shows above all that there was a large gap between the attempt to establish even an approximate record of the person, and the true state of affairs in the Middle Ages. The book argues that as in the totalitarian regimes of the 20th century, successful surveillance reflects more the wishes of those in power than a real state of affairs. Borgolte is absolutely thrilled with Groebner's approaches to his theme, calling study "brilliant", and praising the "new scientific style", "narrative joy" and pointed reference to today's readers. The SZ does not deny the book's entertainment value, but finds it lacking in methodological integrity.
The rediscovery of the work of natural scientist, explorer and multi-talent Alexander von Humboldt (1769-1859) by Die Andere Bibliothek publishing house made the cover of Germany's top news magazine Der Spiegel. Published anew are the two-volume "Kosmos" as well as "Ansichten der Kordilleren und Monumente der eingeborenen Völker Amerikas" and "Ansichten der Natur". Critics commend Hans Magnus Enzensberger for renewing German interest in this seminal author. The NZZ called the work the "opus magnus of a universal thinker", while the SZ praised Humboldt's approach of "understanding the world through its designs". According to the FR, Humboldt's writing is as least as thrilling as the adventure novels of Alexander Dumas and Robert Louis Stevenson. The FAZ further also recommended the audio book of "Kosmos".
There was general praise for Matthias Hagner's historical study on brain research, "Geniale Gehirne". The fact that genius is located in the brain does not go very far in explaining it, comments Eberhard Ortland in Die Zeit. For one thing, it is not exactly easy to take a look into the â living â brain. And finding an answer to how genius gets in or originates there is not easy at all. Michael Hagner's study looks at scientists' attempts to explain it. Geniuses' brains have been "collected, palpated and measured" and cut in slices for centuries, on the search for the "nature of spirit". Hagner's thesis and major discovery is that this nature is a scientific assumption, and has always been the child of a specific cultural spirit, which Hagner investigates in his study. Often, these cultural spirits answer to less attractive names, like "racism, sexism, and eugenics". Ortland appreciates Hagner's "richly documented and illuminating study", which avoids any "denunciation of the neurosciences", but has a "sharp eye for historical constellations." The FAZ feuilleton, which has a programmatic interest in everything scientific, has certified the book as the long awaited "major contemporary novel" which has appeared in the form of nonfiction.
US philosopher Philippa Foot remains to be discovered in Germany. Fittingly, her book "Die Natur des Guten" (Natural Goodness) has now been translated into German. Foot argues that moral judgements are not subjective, and that there are objective moral rules. For NZZ reviewer Ludger Heidbrink the thin volume on the basic principles of moral philosophy gives "great reading pleasure", although he disagrees with the author's conclusions: At the end of her book, Foot must accept the compromise of a rationalistic virtue morality, which assumes a "natural goodness" of man to justify the morality of his actions. The FAZ, FR and SZ also give the book extensive reviews.
Critics agree that Harald Weinreich's "Knappe Zeit", a history of time shortage, is anything but a waste of time. The book collects insights of philosophers and writers from ancient times to the present into the shared human perception that time is in short supply. The SZ and the FAZ admire the ease with which Weinrich travels through western intellectual history. In the FAZ, medieval historian Kurt Flasch admires the author's erudition and scholarship, as well as his original contributions to the Western conception of time. For Flasch, Weinreich's originality lies in his "approach blending philology with medical history". Weinreich draws attention to the etymology of the Latin word "tempus", which means both "time" and "temples" â the flat regions on either side of the forehead.The Latin word already reflected the relationship between time and the human body.
Equally well received is Elmar Holenstein's "Philosophie-Atlas", which traces the "places and pathways of thinking" worldwide. The book's maps and pictures have evoked the penny drop effect from all critics. One should not expect a history of philosophy but rather, as one NZZ reviewer put it, "a geographic accompaniment to readings in philosophy".
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Path analysis with WLSMV
Mplus Discussion
Categorical Data Modeling
Andrea Gromoske
posted on Thursday, January 19, 2012 - 2:45 pm
I am attempting to conduct a path analysis in which I have three waves of data. At each wave child aggression (continuous), punitive parenting (continuous), and mother repartnered (binary) are measured. I am also including a host of controls on which the Wave 1 variables are regressed. The final model is one in which all variables become endogenous except for the controls. I ran the models using the WLSMV estimator and the Theta parameterization because Mplus said Delta was unavailable.
1) I chose to use the WLSMV estimator. Is this correct based on my mix of continuous and binary dependent variables?
2) I have the option of running my models with values for child aggression and punitive parenting standardized (i.e. z-scored) or running the models using the raw scores. My gut says to run the models using all raw scores. What do you recommend?
3) My output contains unstandardized results with SEs, STDYX results with no SEs, and STD results with no SEs. If I want to report standardized results and if the IV is continuous and the DV is binary, I should look at the STDYX output. If the IV is binary and the DV is binary, then I should look at the STDY output (although this is not in my output). If the IV and the DV are continuous, then I should look at the STDYX results. Is this correct, and what output should I look at for the binary/binary case since STDY is not outputted?
Linda K. Muthen
posted on Thursday, January 19, 2012 - 6:46 pm
1. You can use weighted least squares or maximum likelihood.
2. I would use raw scores.
3. For a continuous IV use STDYX. For a binary IV use StdY.
posted on Wednesday, March 07, 2012 - 12:02 am
I have an observed path model with ordered categorical outcomes and mediators, and I use WLSMV with theta parametrization.
What is the matrix analyzed in the WLSMV estimation process? I assume it is not a covariance matrix. And how can it be accessed through the MPLUS output?
Thanks a lot in advance.
Linda K. Muthen
posted on Wednesday, March 07, 2012 - 9:07 am
The sample statistics for model estimation are the thresholds, probit regression coefficients, and residual correlations. To obtain these, use the SAMPSTAT option of the OUTPUT command.
posted on Wednesday, March 07, 2012 - 8:46 pm
Thank you, Linda.
Ximena Portilla
posted on Friday, June 07, 2013 - 2:36 pm
Dear Linda,
In responding to the OP, why do you recommend using the raw scores instead of standardized scores? What if you need to use a composite score from the raw data?
Thank you.
Bengt O. Muthen
posted on Friday, June 07, 2013 - 3:08 pm
It is risky to do any kind of standardization of your variables when you are comparing across group or time. The person had 3 waves of data.
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Snow to Move into South Dakota, Minnesota This Weekend
Significant snow will be spread from western South Dakota to northern Minnesota this weekend. Be advised of changing conditions as you travel with Safe Travel USA.
Todd Heitkamp of the National Weather Service gives us a preview.
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drive (one) back on (something)
drive (one) back on (something)
To force one to use some resource, especially one that had been held in reserve. It was a tough time financially, as losing my job drove me back on my savings.
drive someone back on something
to force someone to tap reserves of something. The hard times drove them back on their life savings. The challenges of being a corporate executive drove her back on all her personal resources.


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Young U.S. Sibling Judoka Take Gold, Silver in Belgium
Annie Truong and Team Head Coach Brett Wolf
Two young sibling U.S. judo fighters, George and Annie Truong, took gold and silver medals respectively at the super competitive Flanders Cup, an annual international tournament that attracts hundreds of top junior judoka.The Truongs add their medals to thebronze won by U.S. athlete Lauren De Smidt (Club Olympia Judo, Fond du Lac, WI) who took the bronze yesterday at the Flanders Cup in Lommel, Belgium.
Both George, 18, and Annie, 16, hail from the U.S. Olympic Training Center in Colorado Springs, CO. George fought in the under 20-year-old division and Annie fought in U-17.
George Truong went 7 - 0 to take first place in the 66kg division, clawing his way through brackets that included 28 of Europe's top juniors. George was fighting a weight division up from his normal 60 kg. After winning a flag decision in his first match, Truong continued a steady climb. In the final, he scored a gorgeous lefty morote seoi nage against his opponent from theNetherlands to take the top spot on the podium.
"I had a great day," George said. "Brett and I finally found our rhythm. I worked on some new things today and they actually worked. All in all, I'm extremely pleased with my performance."
His sister, Annie was competing in her first tournament since November last year at the Junior World Championships, sidelined by shoulder surgery last December. She proved that she's backbetter than ever by takingthesilver medal in the U-17 48kg division.
Truong got off to a strong start by scoring a decisive victory in her first match. She scored a quick wazari with a kouchi gari and finished her opponent from the Netherlands by pinning her for a second wazari. Annie Truong followed with a hard earned win over the reigning Dutch champion in her next match. Two more quick ippon victories put her in final which she lost in a tough battle against an opponent from the host country, finishing with the silver at this prestigious event.
"I was a little nervousgoing into my first match, because I haven't competed in so long," she said. "Once I got that first score, it was business as usual. It felt really good to get back on the mat. Although I came up a little short in the final, I'm excited looking towards the future."
Also fighting Sunday were Arthur Ghukasyan of Glendale, CA, who went 2-2 for the day in the 66 kg division U-17. Cole Freeman ( Fayetteville, North Carolina ) went 2-1 in the U-17 60 kg division.
For the weekend, the eight member U.S. team won an extremely impressive 21 matches. Considering the level of competition, it was a very successful tournament.
"Lynn and I can't say enough about this group of kids," Team Head Coach Brett Wolf of Menomonee Judo in Chicago, Ill. "They showed that not only can they compete against top level European competition, but win matches and medals. The future looks extremely bright for USA Judo," said.
The roster of athletes includes:
1. George Truong
2. Annie Truong
3. Grant Johnson
4. Lauren De Smidt
5. Cole Freeman
6. Caroline Zieba
7. Gabrielle Proksa
8. Arthur Ghukasyan


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Fourth World Water Forum
16-22 March 2006 -- Mexico City, Mexico
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Cristina Diamond Cruises
Cristina Cruise Halong bay is a Brand new Luxury Cruise launched on May 01, 2015. The cruise is made from steel and high quality wood to bring every traveler absolutely safe stay on Halong Bay. There are 16 Deluxe Cabins located on the main deck of Cristina Cruise. Each cabin is furnished in a minimal style with a choice of double or twin beds or triple with a balcony.
Viola Cruise
Viola Cruise: Being a four star cruise ship, features 16 bedrooms which are divided into 4 main types, name Suite, Luxury, Deluxe and Family The cruise is made from high quality wood and steel to bring every traveller absolutely safe stay on Halong Bay. All 16 rooms on board is design elegantly incorporating substancial wooden fixtures to provide customers with a warm ambience.


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Call us: 516 305-5023
E-mail us: firstname.lastname@example.com
Shapewear > Camisoles >
The Sassybax Shaper Tank is a ready to wear tank with light to moderate hidden control. Stylish on its own and great for layering! Muffin tops be gone! This shaping tank is as slimming as it is versatile. It will quickly become your go-to tank. The control is from the bra line down so it won't squish the girls. Minimizes back fat and bra lines.
Join our mailing list for exclusive discounts:


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Welcome to this week's Gift Card Giveaway!
This is week 2 of the weekly gift card giveaway. We will have one 24 hour gift card giveaway each week. A new gift card is up each week and there are new ways to win each week. The prize will be sent to the winner upon their confirmation of the prize! This prize is open worldwide as it is a e gift card. It will be sent via email.
This week you can WIN a $25 Barnes and Noble e gift card!
How to win:
There are no mandatory entries. So feel free to do as many or as few as you would like. The more you do the better your chances of winning! To do an entry click on "do this." After each entry that you do or have already done click on "did this." That is it!


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Maximizing Exposure
Maximizing Exposure
Our Knowledge, Your Gain
We believe in preserving the long-term health of our home, the Vail Valley, and work diligently to protect it, just as our principals have done since founding the company over 50 years ago.
We are Family
With over 100 brokers in 19 offices, most selling Vail Valley real estate for more than 20 years, and an unmatched support staff including Administrative, Marketing, Technology, and Closing Department we're more than just co-workers, we're family. And we work closely together with you on every detail to sell your most personal asset, from open house to closing day.
Come on In
Our doors are always open. Come in to one of our 19 offices situated in the most ideal locations throughout the Valley and find our friendly staff ready to show and sell your home.
High Performance
Slifer Smith & Frampton has been the proven leader in Vail Valley real estate for decades, listing and selling more property than any other real estate firm, maintaining leading market share in most neighborhoods. As a client, you will have the unique advantage of receiving the most up-to-date information on the entire market including new listings and projects, as we are involved in the majority of transactions.
* Data gathered is from Land and Residential sales from 1.1.2017–12.31.2017. Source of data is the Vail Board of Realtors, Multiple Listing Service. Information is deemed reliable but not guaranteed.
Global Partnerships
Luxury real estate is a global business. Through our exclusive international affiliations with Luxury Portfolio International® and The Leading Real Estate Companies of the World, we ensure that your home is positioned where discerning buyers and sellers are looking.
Plugged In
Our website, VailRealEstate.com, consistently receives the most traffic of any Valley real estate firm in relevant online searches and allows us an ever extending reach to new buyers and sellers. Our relationships with several premier portals offer an even greater reach to a qualified audience:
Luxury Portfolio International®
The National Association of REALTORS®
The Wall Street Journal
The Leading Real Estate Companies of the World
Vail Daily
Photo Ready
Slifer Smith & Frampton retains an exclusive relationship with world-class professional photographer, who capture the essence of a listing with stunning, eye-catching interiors and exteriors of residential and commercial properties. Working one-on-one with each broker, they create imagery highlighting the finishes, views, layout, and living areas of every listing. SSF also retains a full-time in-house photographer who is available to quickly and efficiently photograph listings. This allows your property to go live in the MLS and in front of buyers as soon as possible. We also work with a high-end drone photographer/videographer in order to show off every angle of the spectacular homes we represent.
Video and Virtual Tours
Video sells, and homes with a video tour are proven to sell 40% faster. Our professional videographer will create smooth, high-quality footage to be shared with prospective buyers worldwide, allowing in-depth access to the property no matter where the buyer is located. We also have a national recognized* video collection highlighting our communities, the Vail Valley lifestyle and local events.
For properties at a certain level, Slifer Smith & Frampton offers an innovative and interactive 3D tour option. Using a camera made by Matterport, you can view the property as if you really were in the home. Explore the views from the private deck, see floorplans, go up and down stairs, and have a 360-degree view of every room.
In Print
At Slifer Smith & Frampton Real Estate, we survey our buyers & sellers which helps us understand that marketing to the locals and visitors is one of the most powerful and effective tools we have to sell your listing.
We advertise every single week of the year in the Vail Daily. Our unmatched full color Real Estate Portfolio, a magazine style insert that highlights selected available properties, is placed in strategic locations throughout the Valley as well as in every paper Saturday and Thursday during peak seasons. We also offer competitive rates on classified ads in the newspaper as one of the Daily's largest advertisers, and on a regional and international level, we provide strategic advertising in the Wall Street Journal.
And our print marketing strategy doesn't end with newspaper. We feature in various local, regional, national and international magazines including but not limited to Vail Beaver Creek Magazine, Bravo! Vail Music Program Book, The Vilar Center for the Arts Program, Beaver Creek Village Experience Magazine, Eagle Ranch Life! Magazine, HOME Magazine, Luxury Portfolio International
and more.
The Luxury Collection
In addition to all of our individualized marketing efforts, The Luxury Collection is a professionally printed piece featuring our listings priced at $5 million and above. The Luxury Collection is printed twice a year - once in the summer and once in the winter. With over 65,000 printed of each issue, it is also inserted into resort markets of the Vail Daily newspaper every Friday during peak seasons and mailed to all Vail Valley homes valued $3 million and above
You've Got Mail
Slifer Smith & Frampton sends out a monthly exclusive e-newsletter, the Local's Perspective, to our brokers' extensive client list of over 65,000 people around the world, keeping our buyers and sellers informed about the Vail Valley real estate market, travel information, news and community updates.
In addition, we offer a quarterly comprehensive Slifer Report analyzing the real estate market in each area, providing expert insight on trends and statistics.
Lean on Me...
Allow our dedicated full time staff of over 30 professionals in Administration, Closing, I.T., and Marketing to take care of the details and your broker can focus on you and your real estate needs.
Our in-house Closing Department will guide your sales transaction with professional, proficient attention to detail from start to finish.
SSF and our in-house Marketing Department spends over $2 million a year on advertising and marketing your property, working with media leaders providing maximum exposure for your home.
Our dedicated I.T. support team connects every member of the brokerage on our intranet system, giving them real time access to your new listing within minutes of a signed contract. The Tech staff constantly monitor and improve this state-of-the-art system in addition to training and supporting the SSF team using it.
Know that not only will your home be a part of the largest marketing presence in the region, but also that you will have the support of a full staff when you choose to list with Slifer Smith & Frampton, exposing your property to millions of potential qualified buyers.


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Airports improve the pick-up experience
- Cellphone lots are now available at most large%2C medium and many small airports
- Their presence is the result of two post-9/11 trends%3A heightened security and the growing use of cellphones
- Many airports are now expanding their lots and adding amenities for waiting drivers
When grandma is flying in for a special occasion, you'll find a spot in the airport's short-term parking garage, go into the terminal and wait where you'll be sure to see her when she exits the secure area.
But if it's "just" a friend coming in for the weekend or a spouse coming home from a quick business trip, these days you're likely to wait in your car in the cellphone lot, have your friend or family member call you when they've landed and then drive over and make a quick pick-up at the curb.
Cellphone lots offering free, short-term parking near airports are now available at most large, medium and many small airports. But just ten years ago, none of these lots even existed. Their presence at airports is the result of two post-9/11 trends we now take for granted: heightened concerns about security outside the terminals and the growing number of people using cellphones.
After 9/11, motorists waiting for passengers to arrive were no longer allowed to clog up roadways outside airport terminals by idling for a long time at the curb, or leaving a car parked outside baggage claim and running inside to greet a passenger. It's hard to believe now, but in the "old days," many airports would let you do that.
To cut down on congestion caused by drivers who instead began circling terminal lanes over and over, in 2004 airports such as Los Angeles International and Seattle-Tacoma International came up with the idea of directing drivers to free, off-site parking lots where they could wait for an arriving passenger with a cellphone to call for a pick-up. At least a dozen airports had cellphone waiting lots by the end of 2004 and today it's rare – and irritating – to find an airport without one.
"Security concerns and technology have definitely driven the rise of this airport amenity" said Debbie McElroy, spokesperson for ACI-NA, the organization that represents most North American airports.
But so has economics. In the past, many airports gave drivers a grace period in the parking garage, anywhere from 15 to 60 minutes, to allow them to go into the terminal and meet a passenger. But most of these free parking sessions have been eliminated as airports try to maximize revenue generated from their parking garages. "Airports still want to provide good service to their communities," said McElroy, "so when they cut free parking they'll often add a cellphone waiting lot nearby."
And while many cellphone lots are put on property an airport wasn't using for anything else, the lots do have costs. "You have to establish them, maintain them and make sure you have periodic security checks," McElroy said. "And in some airports, the lots are on land that could otherwise be put to use generating some sort of revenue."
But cellphone lots are now so popular that many airports are now expanding theirs and adding amenities for waiting drivers such as free Wi-Fi, vending machines, restrooms (portable and permanent) and electronic reader boards displaying up-to-date flight arrival information.
At Fort Lauderdale Hollywood International Airport, community outreach coordinator Allan Siegel says the airport offers a flight-status screen as well as emergency services for vehicles with a flat tire or dead battery. And at the Austin-Bergstrom International Airport, there are flight information display monitors, restrooms and regular food truck service offering Mexican food, Panini sandwiches, salads, appetizers and drinks.
Tampa International Airport has vending machines, restrooms, real-time flight information, free Wi-Fi, and electric vehicle charging stations in its cellphone lot and, before the holidays it began a 30-day experiment with having food trucks on-site as well, a different one each day.
The experiment has been such a success that the trial period has been extended. The airport is even posting the food truck schedule on its Facebook page.
"Other airports are watching Tampa to see how successful they are in doing this," said McElroy, "And I think there's probably room for other airports to contract with vendors to offer more services and amenities at their cellphone lots as well."
But what kinds of services and amenities might be added?
Tim O'Krongley, assistant aviation director for the San Antonio Airport System, said there's been some discussion about adding food truck service at San Antonio International Airport. And when Seattle-Tacoma International Airport opens a new, larger permanent cellphone lot next spring, free Wi-Fi and some food options may be added as well.
But here are some other options that might make cellphone lots even more enticing: drive-through espresso stands, exercise stations, playgrounds, fresh flower stands and coin-operated car washes and vacuums to encourage drivers to clean up their cars before going in for the pick-up.
Readers: What amenities would you like to see at an airport cellphone waiting lot? Please leave your ideas in the comments section.


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Flossarella necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 91 diseños de 32 diseñadores freelance.
ShockWave Sports Technology
ShockWave Sports Technology is a mobile sports mouthguard service. We fabricate custom sports mouthguards for professional and amateur teams, clubs, and individuals. This is a professional service business. Our custom mouthguards help prevent sports-related injuries by minimizing the "impact" a player may receive to the mouth such as fractured teeth, jaws, TMJ injuries, lacerations, and even potential concussions.
1. The target audience - athletes that are involved in sports where impact with another player, object, or severe jarring motions may be involved. This would include: football, baseball, soccer, martial arts, rugby, lacrosse, off-road motor sports, etc.
2. Most participants will be males, although a small percentage of women will need this service too.
3. Target age group - teens to 30's.
4. Audience profile - High activity level, element of danger and extremism.
1. The logo really needs to capture the theme of "shockwave" and impact. The concentric half circle thing seems to be an easy "go to" design. I'm not saying I'm against using something like that, but I'd really like to see something with a little more creativity and imagination.
2. The logo is clean and uncluttered. ShockWave Sports Technology is going to be imprinted on t-shirts and hats.
3. The logo really needs to have a look that conveys that it's "cool" to use this product but still imparts a professional look.
4. The tag line for the product will be: Decrease the "magnitude" of injuries!
However, I do NOT want that as part of the logo itself.
5. Feel free to explore with colors, but I tend to prefer designs with these color combos in them: red, black, grey, white, dark blue.
6. No cartoonish, goth, bloody, or hellish-style designs.
7. Definetly NO dental oriented designs, I want this to have a sports theme.
8. Good luck everyone!
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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Why Different Outcome To Austerity?
Those who argue that deficit reduction can help growth can point to the Baltic states who pushed through even tougher measures than for example Greece and Portugal, and who are now booming, with Estonia seeing GDP increase 8.4% compared to a year earlier, Lithuania 6.1% and Latvia 5.3%.
On the other hand we can see that growth in for example Britain and Portugal has slowed considerably, and in Greece we have seen a 6.9% contraction the latest year (that came after a 4% contraction in the year to Q2 2010).
How can this difference be explained? Floating exchange rate advocates often claim that a floating exchange rate is vital for successfull fiscal consolidation but that is clearly not a theory supported by these facts as the Baltic states have all had fixed exchange rates to the euro, with Estonia recently formally adopting the euro as currency. There are 3 explanations.
The first is initial position in the business cycle. The Baltic states had in 2009 suffered a full blown depression with GDP dropping around 20% and unemployment increasing to nearly 20%, while Greece in 2009 had only had a very mild contraction, with countries like Britain and Portugal coming in between. Most of the malinvestments had been cleaned out in the Baltic states, while the process had only started elsewhere.
The second is the type of austerity implemented. While all countries had a mix of tax increases and spending cuts, the Baltic states had more emphasis on spending cuts while Greece had a big emphasis on consumption tax increases that hurted the competitiveness of its vital tourist industry
The third and perhaps most important factor is the response of the population. The prospect of no longer being able to live at the expense of others through the state have provoced large parts of the Greek population to act as spoiled cry babies in adult bodies in the form of riots and strikes that have scared away tourists and in other ways crippled the Greek economy, thereby only greatly aggravating the economic suffering of the people in Greece. As I've written before, if the purpose of the riots and strikes was to prevent their standard of living from falling, then the response of the Greek protestors was about as smart as turning up the heat because you think it is too warm.
Milder versions of this has also been seen in Portugal and Britain (though in the most recent week, small groups of hooligans in Britain have as most of you have probably heard resorted to more violent and disruptive means).
By contrast, the people of the Baltic states have realized that the tough measures are necessary and reacted in a rational and constructive way to help improve their economies. There were no riots and strikes in reponse to the austerity measures in the Baltic states, only increased efforts to increase exports and perform other productive activities. The reward for that rational response has been the strong recovery we now see there. One can only hope that Greeks, Britons and others learn from their example.


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Crooked I Freestyle On Mr. Peter Parker!
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Winter Series
OWA's primary series of bush orienteering events are held most Sunday mornings from May to September in various locations. In WA, orienteering is held mostly in open bush areas with contour and rock features, with some events held in open farmland areas with more complex rock detail.
All events (including the state orienteering league and state championships) are open to the general public as well as members. While pre-entry is available for some events, participants are always able to enter on the day. Courses range in distance from 2 - 12km, and in navigational difficulty from very easy to hard.
Instructors are available at each event to guide newcomers through the registration process and help you get started on the right course for your level of ability and fitness. Families and groups are welcome.


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These guys don't learn.
Remember a few weeks back when profootballtalk.com played up a report that Al Harris might have been seeking to collect a "bounty" by taking out Adrian Peterson? It was a sensational story, hyped by the rumor-mill that is PFT and for a moment it looked like it might be huge news. (For those of you not familiar with their "work," PFT is like the Drudge Report of the NFL, only Drudge is a great site and rarely gets things wrong. PFT is read religiously by NFL beat writers, executives, agents and even players.) In this case, as in many others, the PFT guys had no clue what they were talking about. It turns out Harris would have been the one paying the incentive for keeping AP under 100 yards. (Despite the irresponsible suggestions from PFT, there never was a "bounty," in the sense that Packers were out to injure Peterson or anyone else.)
We posted on the subject several times and emailed PFT with a chance to explain, retract and/or apologize. They did nothing. Maybe they were just too busy.
Last week, the hacks at PFT suggested that ESPN's Mike Golic, a former football player who has admitted using steroids, had been taken off the air because the network didn't want him discussing the Mitchell Report on steriods in baseball. They wrote:
Isn't it odd that Mike Golic has been MIA the past couple of days from his radio show on ESPN? With the sports news dominated by the "Mitchell Report" regarding steroid use in baseball, shouldn't Golic be there to offer up his views on the content of the report (assuming he can read) and the consequences of the revelations regarding the extent to which baseball players were using steroids?
Well, yeah, if Golic wasn't an admitted steroid user himself.And absent a full explanation as to Golic's whereabouts, offered up at the top of the return from every break, we think it's fair to assume that Golic was given a couple of days off without pay so that he wouldn't have to comment on the propriety of something that he himself has done.
Only it wasn't fair to assume that at all. Golic was absent because of a death in the family, news that had to be unbelievably embarrassing to PFT. If I had made a similar accusation — without a shred of evidence, mind you — I would make a full and unambiguous apology and beg my readers not to abandon me in spite of my tasteless and irresponsible behavior. What did PFT do? They blamed ESPN. I am serious.
It's worth reading the whole thing.
As it turns out, ESPN's Mike Golic missed last week not because he was ducking discussion regarding the Mitchell report, but because of a death in his family.
We extend our condolences to Golic, and to his family.
All that said, his employer did the guy a major disservice by not making it known that Golic was absent due to a personal family issue. By not addressing Golic's absence on a regular basis (it would have taken all of three seconds), ESPN allowed many to unnecessarily speculate that Golic didn't want to talk about steroids in baseball given his admission last month that he used steroids in 1987.
Even if everyone who thought that Golic was absent because he didn't want to talk about steroids eventually learns the truth, nothing can change the fact that they were under the impression for several days that he might have been looking for a way to not have to talk about his use of the juice.
What a crock of shit. (Sorry, Mom.)
ESPN "allowed many to unnecessarily speculate?" Are they serious? Who was this "many" they are talking about? Anyone who didn't first read such speculation at PFT?
These guys are irresponsible hacks. The only remaining question is why the NFL Network — an arm of the NFL itself — would continue to sponsor the site.