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Countrywide Financial Corporation selects Taxware for Global Transaction Tax Calculation and Compliance
Monday 13 June 2005 PDF Print
Press Contact: David Ford, Ford-Peacock Consultancy Ltd +44 (0) 1295 722213 david@ford-peacock.com
13 June 2005 – Taxware, a leading provider of global transaction tax calculation and compliance solutions and a First Data Corp. (NYSE: FDC) company, today announced that Countrywide Financial Corporation (NYSE: CFC), a leading diversified financial services provider, has selected Taxware Enterprise and TaxSolver® as its global transaction tax calculation and reporting software solution. The implementation, which is scheduled to be completed this spring, will be one of the tax compliance industry's first global transaction tax systems to integrate with PeopleSoft Enterprise Payables 8.8.
Since it purchases taxable goods and services for more than 100 business units across the United States plus the United Kingdom, Japan and India, Countrywide required a transaction tax calculation system that could keep pace with not only the constantly changing sales and use tax laws in the United States, but Value Added Tax (VAT) as well.
"As a growing company with a global presence, Countrywide needed a transaction tax solution with the ability to interface with multiple procurement and sales platforms including PeopleSoft Enterprise Payables 8.8," said Steve Sylvers, Managing Director of Corporate Tax at Countrywide. "Additionally, we wanted an integrated tax return compliance tool with the power to help increase efficiency and the functionality to fit into our control environment."
Targeted at mid- to large-sized enterprises, Taxware Enterprise determines sales and use tax liabilities for over 8,000 state and local jurisdictions in the U.S., and Value Added Tax (VAT) and other consumption taxes for more than 150 countries worldwide. In addition to satisfying U.S. and international needs, Taxware Enterprise can be deployed locally or centrally to manage the tax compliance of multiple related or unrelated companies. There are more than 27,000 taxing jurisdictions worldwide, many of which change frequently. Complex tax rules are updated as needed by Taxware's in-house tax attorneys and associates.
TaxSolver automatically generates tax returns, allowing an enterprise's accounting staff to focus on high-value financial activities, while automating tax form completion. The product assigns and tracks payment information, schedule filing frequency and estimate payments, while automatically incorporating updated tax forms and rates each month. TaxSolver also allows users to view their current liability (i.e. tax calculated) versus compliance profile (i.e. tax remitted) from a sales tax return perspective – a tool designed to assist with Sarbanes-Oxley compliance.
"We are delighted to add Countrywide Financial to our list of global customers," said David Treinen, president of Taxware. "With a multinational base of operations and the obligation to comply to multiple sets of tax laws across many geographies, we believe Countrywide can benefit from Taxware's ability to seamlessly calculate the right tax liability across its entire global operation."
About Taxware
Taxware, a First Data Company, is a leading developer of global commercial tax compliance systems. For more than 25 years, Taxware's products have simplified the tax calculation and compliance process with solutions for sales, use, value added and other consumption taxes for businesses around the globe. By combining expert knowledge of the most current research and changes in tax legislation with the best available automated processes, Taxware has developed comprehensive solutions that facilitate compliance with Sarbanes-Oxley, serving as the control for corporate transaction tax operations. To learn more about Taxware, please visit www.taxware.com.
About First Data Corporation
First Data Corp. (NYSE: FDC) is a leading provider of electronic commerce and payment solutions for businesses and consumers worldwide. Serving 4.1 million merchant locations, 1,400 card issuers and millions of consumers, First Data powers the global economy by making it easy, fast and secure for people and businesses around the world to buy goods and services using virtually any form of payment. The company's portfolio of services and solutions includes credit, debit, private-label, smart and stored-value card issuing and merchant transaction processing services; money transfer services; money orders; fraud protection and authentication solutions; check guarantee and verification services through TeleCheck; as well as Internet commerce and mobile solutions. The company's STAR Network offers PIN-secured debit acceptance at 1.6 million ATM and retail locations. For more information, visit www.firstdata.com.
First Data's Western Union Financial Services, Inc., an international leader in consumer money transfer services, allows consumers to quickly and reliably pay bills and transfer money around the globe using its proprietary money transfer network. Western Union and its subsidiary, Orlandi Valuta, together make up one of the world's largest money transfer networks with approximately 225,000 Agent locations in more than 200 countries and territories. For more information on Western Union, visit www.westernunion.com.
About Countrywide Financial Corporation
Founded in 1969, Countrywide Financial Corporation (NYSE: CFC) – America's #1 residential lender as ranked by Inside Mortgage Finance (Oct. 29, 2004), Copyright 2004 – is a member of the S&P 500 and Fortune 500. Countrywide, through its subsidiaries, provides mortgage banking and diversified financial services in domestic and international markets. Mortgage banking businesses include loan production and servicing principally through Countrywide Home Loans, Inc., which originates, purchases, securitizes, sells, and services primarily prime-quality loans. The company is headquartered in Calabasas, California and has a workforce of over 40,000 with over 600 offices. For more information about the company, visit Countrywide's Web site at www.countrywide.com.
This press release was distributed by ResponseSource Press Release Wire on behalf of Ford-Peacock Consultancy Limited in the following categories: Consumer Technology, Personal Finance, Business & Finance, Computing & Telecoms, for more information visit https://pressreleasewire.responsesource.com/about.
Release from Ford-Peacock Consultancy Limited


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50 Cent Says He Thinks Jay-Z Still Harbors Some Energy Toward Him
4 weeks ago Jaron Bryant 4 weeks ago
During a recent interview, 50 Cent revealed that he feels Jay-Z still harbors some energy toward him because of how things played out concerning his Super Bowl Halftime Show performance.
50 Cent said he talked to Eminem's manager, Paul Rosenberg, about performing before the Super Bowl Halftime show commercial came out, but he was left off the ad because he was told that the NFL had some issues with him.
He said he reached out to see what the complications were that the NFL had with him, but nobody had information about it, and it only came from Jay-Z's camp, so he had to believe they were still harboring some energy.
50 said he heard from N.O.R.E., who had communications with Jay-Z, that Eminem said he would not do the halftime performance without 50.
According to 50, Eminem was looking at the performance from a cultural perspective, and he was focused on having the key members of Shady Aftermath perform together.
50 being 50 threw in a jab at Jay-Z saying that he wants to look like a "gay painter"…referring to his adoration for Jean-Michel Basquiat.
And I'm like… That's when I start saying crazy stuff B because I look and I go, 'Oh, ah that's your big homie, right?…
So you image yourself after a gay painter…
Big homie wants to look like a gay painter…
We talking about Basquiat, he wants to look like a gay painter.
When asked if he ever questioned Jay-Z about the Super Bowl situation, 50 responded with a smile, "We don't need to talk about nothing."
Later in the interview, 50 Cent revealed that he plans to turn Eminem's 8 Mile movie into a TV series.
Watch the clip of the 50 Cent interview from BigBoyTV below:
Tags : 50 CentJay-Z
Jaron Bryant January 10, 2023
Rapper Mac Spent 21 Years In Prison After His Lyrics Were Used Against Him In Court
LaTocha Scott Of Xscape Signs To Motown Gospel
Ray J & 'The Breakfast Club' Attempt To Rationalize 50 Cent's Alleged Disrespectful Act During A Pitch Meeting
Jaron Bryant February 7, 2023
50 Cent Shares Why He Owes Megan Thee Stallion An Apology
Roc Nation: Twitter Blames Jay-Z's Company For Everything
See Affion Crockett's Hilarious Nas & Jay-Z Parody Dragging 21 Savage
Jaron Bryant November 18, 2022

redpajama_set_name: RedPajamaCommonCrawl


Ticket is for the Closing Keynote address and the Networking Reception only. Not valid for entry before 4:30 pm.
I cannot attend, but would like to make a contribution.
Lunch is provided. Please select this option if you require a vegetarian option.
The Emerging Arts Leaders Symposium (EALS) 2013, now in its sixth year, is an annual meeting of students and young professionals who work in the arts; held at American University.
It is an opportunity to engage in quality discussion about issues, unique or universal, that affect arts organizations with students, peers, and experienced leaders in the field.
The framework of EALS 2013 is Looking to the Horizon. Each speaker and panel will discuss the new and innovative strategies and ideas coming down the road in each of the topics.
Opening Plenary Speaker: Karen Brooks Hopkins, President of Brooklyn Academy of Music (BAM). Read more about her HERE.
Keynote Speaker: Aaron Dworkin, Founder and President of The Sphinx Organizaiton. Read more about him HERE.
Lunch will be provided for all attendees that pre-register. Lunch cannot be guaranteed to those who purchase after April 5.
Since 1974, the graduate Arts Management program at American University has trained students for careers in nonprofit performing and visual arts organizations, as well as government organizations on the front lines of national and international cultural policy. The goals of this program are to train students for success in the arts management jobs of the future—in a wide range of administrative, managerial and leadership positions—and to help them become effective advocates for the arts.


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Home > Featured > Twenty-nine missionaries killed during 2019
Twenty-nine missionaries killed during 2019
By Ann Marie Foley - 08 January, 2020
According to information gathered by Agenzia Fides, 29 missionaries were killed throughout the world including 18 priests, 1 permanent deacon, 2 religious men, 2 nuns and 6 laypeople.
Twenty-nine missionaries gave their lives for their faith in 2019 according to the Information Service of the Pontifical Mission Societies, Agenzia Fides, which collects the figures each year. Some 40 missionaries were killed in 2018, which was almost double the 23 killed in the previous year.
According to information gathered by Agenzia Fides, in 2019 some 29 missionaries were killed throughout the world including 18 priests, 1 permanent deacon, 2 religious men, 2 nuns and 6 laypeople.
The information service uses the term "missionary" for all the baptized because they are "missionary disciples", and whatever their position in the Church or their level of instruction in the faith they are "agents of evangelization (EG 120)," stated Fides in its statement on the figures.
This has been the case for some time so the annual list of Fides does not look only to what it calls "Missionaries ad gentes in the strict sense", but tries to record all the baptised engaged in the life of the Church who died in a violent way, not only "in hatred of the faith".
"For this reason, we prefer not to use the term 'martyrs', if not in its etymological meaning of 'witness', in order not to enter into the question of the judgment that the Church might eventually deliver upon some of them, after careful consideration, for beatification or canonization," said the agency.
The latest figures show that after eight consecutive years in which the highest number of missionaries killed was recorded in America, since 2018 it is Africa that has taken the first place.
In Africa in 2019 12 priests, 1 religious man, 1 religious woman and 1 laywoman were killed, coming to a total of 15.
From Nairobi Fides reported in October 2019 that Fr Michael Maingi Kyengo, vice parish priest of Thatha, in the diocese of Machakos, was kidnapped and later found buried. His possessions including a car, mobile phone and credit card had been stolen.
In America 6 priests, 1 permanent deacon, 1 religious man and 4 laypeople were killed.
In Colombia a parish priest was killed in Cauca, a battleground between old and new armed gangs. Fr Jhony Ramos, parish priest of the parish of Jesus de la Misericordia in the Comuneros district in the town of Villavicencio, was found dead, with his feet and hands tied, in the parish house. Investigators initially stated that he was a victim of theft, as funds had been recently raised in a parish lotto. He was the second Colombian priest killed in 2019 following another murder in February.
In Asia one laywoman was killed, while in Europe one nun was killed.
Sister Antonia Pinho, RIP
In Portugal Sister Antonia Pinho, who helped the sick and needy, was abused and murdered by a drug addict she had helped. The member of Servants of Mary the Ministers of the Sick order had been working in the Portuguese town of Sao Joao da Madeira.
Fides also noted that in the 2019 figures there is a "globalization of violence". While in the past the missionaries killed were mostly concentrated in a nation or geographical area, in 2019 the phenomenon appears more generalised and widespread.
The figures do not include people of other faiths and religions who were killed for their faith, nor those who were attacked, persecuted and kidnapped but not killed.
Tags: Africa, Agenzia Fides, America, Asia, baptized, Colombia, Europe, Information service of the Pontifical Mission Societies, Missionaries, Nairobi, Portugal


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Q: Adding specified number of Ellipses on Picturebox VB.Net I am trying to draw multiple Ellipses on PictureBox control in VB.Net on MouseClick event.
All I want to do is on every mouse click, a new ellipse to be drawn on picturebox till the specified number is reached.
My code so far is as below:
Private Sub PictureBox1_Click(ByVal sender As Object, ByVal e As System.Windows.Forms.MouseEventArgs) Handles PictureBox1.Click, PictureBox1.MouseClick
    Dim DrwCount As Integer
    Dim regcount As Integer = Val(ComboBox1.Text)
    bPen.width = 2.0F
    GFX.SmoothingMode = Drawing2D.SmoothingMode.AntiAlias

    txtValueX.Text = e.X.ToString
    txtValueY.Text = e.Y.ToString

    For DrwCount = 0 To DrwCount < RegCount
        GFX.DrawRectangle(bPen, e.X - 2, e.Y - 2, 40, 40)
        Label27.Text = "Draw Count " & DrwCount
        PictureBox1.Image = myBitmap
        DrwCount = DrwCount + 1
    Next
End Sub

When I run this code, the drwcount reaches the specified number with only one ellipse on the picturebox.
Please guide.

A:
For DrwCount = 0 To DrwCount < RegCount

DrwCount < RegCount evaluates to a boolean.  In VB, False can be coerced to 0, and True to 1.
So the line, after coercing, looks like:
For DrwCount = 0 To 0

Obviously that's not your intent.  You probably wanted:
For DrwCount = 0 To RegCount

Additionally, the For statement will increment the indexer variable automatically each loop iteration, unlike the While or Do statements.

redpajama_set_name: RedPajamaStackExchange


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Ian Stannard takes his second consecutive Omloop Het Nieuwsblad
Ian Stannard (Team Sky) defended his Omloop Het Nieuwsblad title and pulled off an incredible victory today despite being outnumbered in the final break.
Stannard found himself in a four-man breakaway with a narrow gap as they headed into the final 40 kilometres by three Etixx – Quick-Step riders: Tom Boonen, Stijn Vandenbergh and Niki Terpstra.
Stannard shut down a pair of late attacks on the run into Gent before out-sprinting Niki Terpstra to seal the victory.
"I couldn't be happier," Ian Stannard told TeamSky.com after the race. "It's nice to do the double sweep at the race, but after the difficulties I had last year breaking my back it's nice to have got myself back to where I was.
"Being with those three guys I knew they were all committed to trying to win. As a team they haven't won it for 10 years and it's a big one missing off Boonen's palmares. I knew they were going to race hard. With Sep Vanmarcke and Greg van Avermaet chasing behind it put the pressure on them. I could just sit back, play a bit of poker and enjoy the ride.
"I just wanted to get a free ride for as long as I could. That was my idea. When they all started attacking me it wasn't a great feeling. When Boonen went I was thinking 'right, what do I do here?' I knew if I rode him back I'd get attacked. I paced myself back a little bit. I could feel the wheel behind was trying hard to stay with me. So I felt like it was going pretty good and then I just took my chance."
"All the guys got me into the climbs perfectly. I felt a bit of pressure when you've got a Tour de France winner putting it all on the line for you. You can only really finish it off can't you! The whole team has really lifted a level since last year. We were always at the front and always perfectly positioned. Quick-Step took me to the end and I only had to race the last 4km (laughs)!"
The small gap that the four-man breakaway had and a chasing peloton played into Stannard's hands, even though he was outnumbered.
Tom Boonen said, "Today we made a mistake in the final. We were in control of the race with three riders in the front group. In the final kilometers we attacked. Niki went first, Stannard reacted, and then I countered with my move. I was pretty sure at that time that it was the right moment to do it. But Stannard had the strategy to ride on the wheels of us three in the lead group, and save his energy until the final kilometers, so he was a bit fresher. He was also strong today. So, he caught me. The best thing to do at that point would have been to stay calm and wait for the sprint. But we had been full gas for the last hour, so really it was about instinct at that point. So, Niki attacked again, then Stannard, and then the final sprint was between those two guys. There is a thin line between a great race and a costly mistake and unfortunately we took the risk of not waiting for the sprint, and it didn't work out. It would have been great to win the race, but that's cycling. Congrats to Stannard. He rode a smart tactical race and his reactions to our attacks were impressive."
Niki Terpstra added, "In the end I was alone with Stannard. I was in front for the sprint. I saw it was 300 meters and I decided not to go yet. Then I accelerated at 200 meters. Normally that is perfect for me, but I didn't have the perfect sprinting legs after the big effort all day. I thought I had him until 50 meters in front of the finish line. I had nothing left in my legs at that point. Looking back, maybe it would have been better to wait for the sprint with Tom and not attacking, but it's a question of moment and circumstances."
However, Etixx-QuickStep team manager Patrick Lefevre was critical towards Stannard's tactics. He told Sporza, "Stannard did what he had to do. Then again, I think that a rider from his calibre from that team should share the work until the gap was 40 seconds. He played it hard but tomorrow or next week it's another race, then we can play that game. Stannard was team leader today. A team leader that was on the wheels for 40 kilometres. A rider of his level, a team leader, doesn't stay on the wheels for 40 kilometres."
"For us it wasn't possible to play poker. There were three men at 20 seconds then you have to keep riding."
Up next for the opening weekend of the Spring Classics is Kuurne-Brussel-Kuurne on Sunday, March 1, which can typically end in a breakaway or a bunch sprint. You can see the full Kuurne-Brussels-Kuurne startlist here.
[rrresults format='full' id='150074′]
#Ian Stannard
#Niki Terpstra
#Omloop Het Nieuwsblad
#Tom Boonen
Shoddy investigates: Retirement plans of the pros
On Ian Stannard retirement day, let's relive the time he walloped QuickStep by himself
Ian Stannard forced to retire from professional cycling due to rheumatoid arthritis
Terpstra suffers multiple injuries in training crash
Jasper Stuyven wins Omloop Het Nieuwsblad
Muur attack sends Annemiek van Vleuten to solo Omloop victory


text:
#ifndef OPENSSL_HEADER_PKCS7_H
#define OPENSSL_HEADER_PKCS7_H

#include <openssl/base.h>

#include <openssl/stack.h>

#if defined(__cplusplus)
extern "C" {
#endif

/* PKCS#7.
 *
 * This library contains functions for extracting information from PKCS#7
 * structures (RFC 2315). */

DECLARE_STACK_OF(CRYPTO_BUFFER)
DECLARE_STACK_OF(X509)
DECLARE_STACK_OF(X509_CRL)

/* PKCS7_get_raw_certificates parses a PKCS#7, SignedData structure from |cbs|
 * and appends the included certificates to |out_certs|. It returns one on
 * success and zero on error. */
OPENSSL_EXPORT int PKCS7_get_raw_certificates(
    STACK_OF(CRYPTO_BUFFER) *out_certs, CBS *cbs, CRYPTO_BUFFER_POOL *pool);

/* PKCS7_get_certificates behaves like |PKCS7_get_raw_certificates| but parses
 * them into |X509| objects. */
OPENSSL_EXPORT int PKCS7_get_certificates(STACK_OF(X509) *out_certs, CBS *cbs);

/* PKCS7_bundle_certificates appends a PKCS#7, SignedData structure containing
 * |certs| to |out|. It returns one on success and zero on error. */
OPENSSL_EXPORT int PKCS7_bundle_certificates(
    CBB *out, const STACK_OF(X509) *certs);

/* PKCS7_get_CRLs parses a PKCS#7, SignedData structure from |cbs| and appends
 * the included CRLs to |out_crls|. It returns one on success and zero on
 * error. */
OPENSSL_EXPORT int PKCS7_get_CRLs(STACK_OF(X509_CRL) *out_crls, CBS *cbs);

/* PKCS7_bundle_CRLs appends a PKCS#7, SignedData structure containing
 * |crls| to |out|. It returns one on success and zero on error. */
OPENSSL_EXPORT int PKCS7_bundle_CRLs(CBB *out, const STACK_OF(X509_CRL) *crls);

/* PKCS7_get_PEM_certificates reads a PEM-encoded, PKCS#7, SignedData structure
 * from |pem_bio| and appends the included certificates to |out_certs|. It
 * returns one on success and zero on error. */
OPENSSL_EXPORT int PKCS7_get_PEM_certificates(STACK_OF(X509) *out_certs,
                                              BIO *pem_bio);

/* PKCS7_get_PEM_CRLs reads a PEM-encoded, PKCS#7, SignedData structure from
 * |pem_bio| and appends the included CRLs to |out_crls|. It returns one on
 * success and zero on error. */
OPENSSL_EXPORT int PKCS7_get_PEM_CRLs(STACK_OF(X509_CRL) *out_crls,
                                      BIO *pem_bio);

#if defined(__cplusplus)
}  /* extern C */
#endif

#define PKCS7_R_BAD_PKCS7_VERSION 100
#define PKCS7_R_NOT_PKCS7_SIGNED_DATA 101
#define PKCS7_R_NO_CERTIFICATES_INCLUDED 102
#define PKCS7_R_NO_CRLS_INCLUDED 103

#endif  /* OPENSSL_HEADER_PKCS7_H */

redpajama_set_name: RedPajamaGithub


PewDiePie How's it going bros? Ok, imma share what are some things to do with your paper. Some reasons why: when you are bored, play with your paper.
I love when it's a windy day. Its good for flying paper airplanes. I have my own paper airplane it glides through the sky really fast. Its got some cool designs on it and I call it the GLIDER!
I would rather hand-draw it.
I like to print random pictures from the internet!
It's very fun and entertaining! I your bored at a meeting, this is what I would suggest that you do to make time fly by.
Making games out of these are fun! And once you finished, you can play with your friends!


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The Mystery Spot, located in Santa Cruz County, is purported to be a gravitational anomaly. Legend has it that the land located at 465 Mystery Spot Road in Santa Cruz was originally purchased and surveyed in 1939 and opened to tourists in the 1940's. It is said that during the surveying of this land, an unknown altered perception began affecting surveyors and their equipment in an unusual way. Upon the opening of Mystery Spot, a story of an underground anomaly lying beneath the earth created this altered perception. However, since the 1940s, more stories have surfaced including the belief that an alien spacecraft lies beneath the earth's crust generating this unforeseen gravitational pull, or an alternative dimensional plain through which entities travel back and forth.
Still others believe that the Mystery Spot is the work of a master carpenter, an illusionist if you will, who designed the attraction to alter our reality and perceptions with an incredible demonstration of preciseness in the creation of an unusual house of cards.
With balls that can roll uphill or move counter-clockwise from the ceiling to individuals becoming taller and smaller, perceptions become altered at the Mystery Spot. Whatever it may be, The Mystery Spot is an enjoyable piece of Santa Cruz history that should be explored at least once in a person's lifetime.
Santa Cruz Ghost Hunters discovered that during the great depression in the early 40s, many areas throughout the nation and abroad seemed to have been popping up with these "mysterious spots", each displaying similar signs or claims of this gravitational anomaly. For a small fee, visitors from all over were welcomed to explore this anomaly and share their experiences. Sadly, today only a handful of these areas still exist in the U.S. and remain open to the general public. Santa Cruz is indeed fortunate to have one of these remarkable pieces of history still available.
Do Aliens exist beneath the earth's surface of the Mystery Spot - Is it a haunted vortex or the works of an illusionist? Perhaps, however, the Santa Cruz Ghost Hunters feel The Mystery Spot is best left as a mystery for all to enjoy…


***MUST BE SEEN*** Hardings of Salisbury and Amesbury are delighted to have been instructed to market this recently completed semi-detached house, on a small select development of just 10 similar style high specification properties.
No. 3 has a brick paved driveway that has space for at least two cars and a level garden that affords a great deal of privacy from the rear. The views to the front over the smartly designed close and of the rural scene beyond, are a great feature of the location.


text:
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Lannett Announces Dismissal Of Class Action Lawsuit
PHILADELPHIA, Sept. 26, 2017 /PRNewswire/ -- Lannett Company, Inc. (NYSE: LCI) today announced that the United States District Judge for the Eastern District of Pennsylvania dismissed in its entirety a putative class action lawsuit against a multitude of generic drug manufacturers including Lannett alleging claims under Pennsylvania state law for violations of the Pennsylvania Unfair Trade Practices and Consumer Protection Law, negligent misrepresentation, unjust enrichment, civil conspiracy, and aiding and abetting.
"We are pleased with the Court's decision to grant the motions to dismiss the plaintiff's action and believe the ruling supports our position that the lawsuit was without merit," said Arthur Bedrosian, chief executive officer of Lannett.
The lawsuit was docketed under Plumbers Local Union No 690 Health Plans vs. Apotex Corp, et al., Defendants, Civil Action No.: 16-665.
About Lannett Company, Inc.:
Lannett Company, founded in 1942, develops, manufactures, packages, markets and distributes generic pharmaceutical products for a wide range of medical indications. For more information, visit the company's website at www.lannett.com.
Robert Jaffe
Robert Jaffe Co., LLC
SOURCE Lannett Company, Inc.
NYSELCI
1dy
Authorized Distributors of Record
Copyright © 2018 Lannett


text:
https://apnews.com/article/louisiana-shreveport-thomas-lavalley-cc429ae3ee27b87e75c095581ac65439
Thomas LaValley
Conviction upheld in 2015 slaying of police officer
January 13, 2022 GMT
SHREVEPORT, La. (AP) — A Louisiana appeal court has upheld the conviction and life sentence of a man who killed a Shreveport police officer in 2015.
Grover Cannon had appealed his conviction in the slaying of officer Thomas LaValley. LaValley was shot to death after responding to a call about an armed, suspicious person who was threatening neighbors. It happened in Shreveport's Queensborough neighborhood, according to a release from Caddo Parish District Attorney James Stewart.
Cannon's appeal to the Shreveport-based 2nd Circuit Court of Appeal said his trial defense attorney presented a self-defense argument over Cannon's objection.
The court opinion said LaValley entered the house with gun drawn after neighbors told him the suspect was inside. Cannon's defense lawyer said LaValley, who was in uniform, did not identify himself as a police officer as he entered the house.
The court noted in its Wednesday opinion that Cannon's lawyer, while raising the self defense issue, never conceded that Cannon was the shooter.
"It is apparent from this record trial counsel did not concede, admit, or suggest the defendant committed any element of the offense of first degree murder," the opinion said. "Counsel also clearly expressed the defendant's assertion he did not commit the crime."


text:
Hands-On The Breguet Marine Tourbillon Équation Marchante 5887
The World Needs More Diverse Watchmakers
Recommended Reading Atomic Clock Scientists Suggest Shortening Minute To 59 Seconds
The ultimate Breguet Marine adds a new colorway with unique details to match.
Masaharu Wada
The Breguet Marine Tourbillon Équation Marchante 5887 made a sensational debut in 2017 with a blue dial variant in a platinum case and silver dial in rose gold. For 2020, Breguet added this rose gold model with a slate gray dial to its lineup. This reference is the most complicated watch in the Marine collection, which includes several pieces featuring design cues tied to ocean/marine applications. The relatively large case measures 43.9mm across and houses a tourbillon, perpetual calendar, and Equation Of Time (EOT) indicator. The watch also contains automatic winding with a peripheral rotor.
The dial features an eye-catching guilloché pattern resembling ocean waves that have become synonymous with the Marine collection. If you pay closer attention to the dial, you will notice the chapter ring is slightly off-set from the center. While Abraham-Louis Breguet himself designed several pieces featuring an off-centered dial layout, the Marine Tourbillon Équation Marchante 5887 utilizes the design technique in a bit more subtle way than its ancestors. The tourbillon sits at the five o'clock position, and you can see a bean-shaped cam in the opening, which is a component of the EOT complication.
The retrograde hand with an anchor motif at its tip indicates the date, and the hand for the Running EOT features a motif of the Sun. The Super-LumiNova, by the way, is applied to the hour and minute hands. The indices are made of Roman numerals and small triangles treated with Super-LumiNova, and the design combined with the chapter ring resembles the helm wheel of a ship. I think Breguet managed to incorporate several marine-themed design cues without overdoing it – effectively preserving its trademark elegance.
The most notable feature of the watch is the Equation Of Time indicator that enables you to observe the difference between true solar time and mean solar time of your location.
The Sun has been the very core of human timekeeping for a very long time (Japan also implemented a form of horologic system called Irregular Time Method in the Edo period that incorporated the movement of the Sun). However, unlike the civil solar time we use daily, the actual movement of the Sun that we observe isn't linear. The Marine Tourbillon Équation Marchante 5887 enables you to see this time difference by the EOT cam situated within the Tourbillon opening at the five o'clock position of the dial.
Although we may perceive this as a visually interesting yet abstract feature today, this function was a necessity for marine navigation (you can check out The Breguet Marine Tourbillon Équation Marchante 5887 by Jack Forster to learn the math behind EOT). We also utilized the sundial and EOT to set our mean solar time on clocks.
Breguet And The EOT Display
In 1815, Breguet was appointed as the official chronometer manufacturer for the French Navy. Abraham-Louis Breguet and his son created several EOT-equipped timepieces of the highest precision for the era. You could say that this complication itself was a product of the brand's long history. The picture above is the movement of the pocket watch No. 3862 featuring an EOT function. (Picture: courtesy of Breguet.)
A conventional complication to display EOT isn't that complicated in reality: It would just show the mean solar time delta in ± minutes, and you'd have to add or subtract the minutes yourself to learn your true solar time. The 5887, however, uses a more complicated mechanism called Running Equation ("Équation Marchante" in French), which employs two minute hands to show both mean and true solar times simultaneously.
If you flip the watch over, you'll be able to observe the Cal. 581DPE that drives the complications through its sapphire crystal caseback. This movement is based on the Cal. 581DR in the Classique Tourbillon Extra Flat Automatic 5337 from 2014 – with a perpetual calendar and EOT added to it.
The back side of the tourbillon has an inscription that reads "Brevet du 7 Messidor An 9" (June 26, 1801). It's the date Breguet received the patent for his tourbillon mechanism.
Typically, all these complications and the automatic tourbillon would command a substantial case thickness. Breguet achieved an impressive case thickness of only 11.5mm by utilizing a peripheral rotor made of platinum. It is also noteworthy that this watch maintains 100m water resistance. The movement also features a hand-engraved depiction of Royal Louis, a historic flagship of the French Navy. The marine compass motif atop the mainspring barrel, which is also hand-engraved, further enhances the beautiful aesthetics of the piece.
I personally own the Marine 5817ST with a blue dial from the previous Marine collection. I chose the dial color because I thought it suited the model name the best. That being said, I felt the combination of slate gray and rose gold that the new Marine Tourbillon Équation Marchante 5887 sports one-upped the blue dial and platinum case combination. I think the guilloché pattern on the dial had something to do with that notion.
The previous Marine 5817 series featured a guilloché pattern resembling a whirlpool. The current Marine collection including the Marchante (excluding the titanium model) features a wave crest motif that most people would think of when they hear "waves." Especially on the Marchante, which incorporates complex elements on the dial, a more pronounced and direct depiction of waves in the guilloché pattern, vivid blue dial, and the ever-shimmering platinum case could all add up to be a bit over the top.
The Marine Tourbillon Équation Marchante 5887 with blue dial
On the other hand, you could say the rose gold case and silver dial variation from the co-existing lineup is a more classic and dressier execution compared to the watch we have here. I think this new slate gray and rose gold combination hits the right balance for me by maintaining the overall elegance – even with all those complications on display – and a hint of sportiness.
The Marine Tourbillon Équation Marchante 5887 retails for $215,000 (plus tax) in the US, which isn't exactly cheap. However, we must remember that this watch is an epic masterpiece comprised of the manufacturer's supreme watchmaking skills and highly artistic aesthetics like the guilloché on the dial and the engravings on the caseback. For the lucky few out there, this watch presents the spirit of a true tool watch with a complication that was designed for positioning yourself in the open sea once upon a time. It is also a quintessential Breguet with elements like an ever-subtly off-set guilloché dial and a traditional coin-edge case. This is the ultimate timepiece that lets you deeply enjoy everything it represents.
The Marine Tourbillon Équation Marchante 5887; case, 43.9mm x 11.75mm, water resistance, 10 bar/100 meters. Engine turned by hand, slate-grey gold dial. Movement, Breguet caliber 581DPE, tourbillon with perpetual calendar with retrograde date and Equation Of Time marchante, peripheral rotor winding system; 16 and 3/4 lignes running in 57 jewels at 4 Hz; adjusted in six positions. Power reserve indication at 8:00. Price, $215,000; for more details, visit Breguet.
This article first appeared on HODINKEE.jp, which you can visit clicking here.
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Apparently, monkeys are not equal under the law—or at least not Copyright law. The ruling stems from a lawsuit filed last year by People for the Ethical Treatment of Animals (PETA) in California. PETA wanted a court order allowing them to represent the 6-year-old monkey who took the photo you see below—- and also have a say in the proceeds that the photo generated. A judge said they don't have the same protections.
The U.S. District Judge William Orrick in San Francisco said while Congress can extend the protections of the laws – to humans– there is no indication that includes animals.
The photos in question were taken by the monkey during a 2011 trip to Sulawesi, Indonesia, by a British Nature photographer.
This story is generating some pretty entertaining tweets.
The U.S. Copyright Office agrees with the judge's ruling. They issued a 2014 update to the copyrights regulations – specifically pointing out the rules only cover humans. Oh, the law also doesn't cover "elephant portrait panting" or "divine or supernatural gathering," according to The National Journal. So, go ahead, make your cat take selfie — but don't expect to reap the benefits of its proceeds.


The University of Madras has released the result of undergraduate (UG), postgraduate (PG) university degree examinations 2018. The Madras University had conducted the UG and PG 2018 examinations in November 2018. The students who appeared for the Madras University UG and PG exams can check their result on the official website of the university- unom.ac.in.
The Madras University has declared the UG, PG November/December examination results on a new website. It is created especially for the results- egovernance.unom.ac.in.
However, it is noticed that the above mentioned websites are not responding or their response is very slow. Candidates may be facing difficulties in checking their results from the websites because of the heavy traffic. Therefore, candidates are advised to have patience and check the results after some time.
If candidates are not satisfied with their online results, they can apply for revaluation of their copies through the proper channel. The Madras University will soon declare the procedure how candidates can apply for the revaluation of their results. For the latest updates, candidates are also advised to keep checking the official website.
2) Click on the respective results link.
3) Enter your exam registration (Hall ticket) details.
5) Save and download and keep a hard copy of the same for further reference.


Princeton Community Works Conference is an educational conference for nonprofit boards, staff and volunteers.
Join us in 2020 and be inspired encouraged in striving toward making your nonprofit operate better, achieve more and meet its goals.
Here's some photos from Jan. 2019! Special thanks to Olivier Balavoine for photographing the event this year.


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Johnny Depp Friends: 14 People Who Have Stood By the Actor
In the last few years, actor Johnny Depp has been focused on high-profile defamation trials. Depp was constantly in the news and under a great deal of media scrutiny. Luckily, Johnny Depp's friends stood by his side. Johnny Depp friends come from all around the world.
Depp took his ex-wife, Amber Heard, to court for a 2018 article she wrote for the Washington Post. In the op-ed, Heard claimed to have survived domestic abuse in her previous marriage.
Despite never mentioning Depp's name, Heard appeared to be referring to him when discussing the alleged abuse. Depp claims the op-ed damaged his career and reputation. Therefore, he sued her to clear his name and prove his innocence. In 2022, Depp and Heard squared off in a highly publicized trial that divided fans and Hollywood. A few celebs took Heard's side, while Depp's friends proudly supported him.
Andrea Raffin/Shutterstock
Many of Johnny Depp's ex-girlfriends came forward to support him publicly. Actress Winona Ryder and Depp dated for several years in the 90s. They even starred together in the classic movie Edward Scissorhands.
Ryder praised her ex-boyfriend and noted that Depp was never abusive towards her. Ryder even provided a written statement to the court defending Depp. She stood by Depp's side throughout the entire trial.
2. Christi Dembrowski
SCOUT/YouTube
Johnny Depp had many friends that supported him throughout the ordeal, including several who testified on his behalf. However, nothing equals the support he got from his family.
Depp's sister and assistant Christi Dembrowski testified for her brother's team. She discussed their difficult childhood and addressed Depp's history with alcohol and drugs.
3. Marilyn Manson
Denis Makarenko/Shutterstock
Marilyn Manson stood by Johnny Depp's side throughout his divorce and trial with Amber Heard. During the trial, texts between Depp and Manson became public. In the exchange, Manson compared his current wife Lindsay Usich to Heard. That said, several women have also accused Manson of sexual violence, including his ex-wife Evan Rachel Wood.
4. Keith Richards
Tinseltown/Shutterstock
Johnny Depp and Keith Richards have been good friends for years. Richards supported Depp throughout his trial against News Group Newspapers and Amber Heard. As a matter of fact, Richards inspired Depp's portrayal of Captain Jack Sparrow in The Pirates of the Caribbean. Depp recently released an art collection of his friends and heroes featuring Richards, Bob Dylan, Elizabeth Taylor, and Al Pacino.
5. Isaac Baruch
Law&Crime Network/YouTube
Isaac Baruch is Johnny Depp's good friend and next-door neighbor. He played a significant role in the trial as he witnessed Depp and Amber Heard's relationship firsthand. He often claimed that Heard's bruises were fake and passionately stood by Depp's side.
6. Kate Moss
During the trial, Amber Heard's lawyer introduced a rumor that Johnny Depp once pushed his ex-girlfriend Kate Moss down the stairs. Moss gladly testified on behalf of Depp to clear up the confusion. Moss explained that she actually slipped and fell down the steps. She noted that Depp took care of her due to a back injury. Moss considers Depp a friend and eagerly stood by his side during the trial.
7. Javier Bardem
Johnny Depp starred alongside some of Hollywood's biggest stars. Many of those same co-stars supported Depp publicly. For instance, the Pirates of the Caribbean actor Javier Bardem defended Depp in the media. He praised Depp every chance he got. He admitted to standing by Depp because he's a good and caring man.
8. Penelope Cruz
Oleg Nikishin/Shutterstock
Pirates of the Caribbean star Penelope Cruz quickly came to Johnny Depp's defense when Amber Heard made the abuse allegations. Cruz and Depp have worked together several times and became close friends. Cruz praised Depp for being so sweet and caring every time they starred in a movie together. She even filed a deposition in support of Depp.
9. Vanessa Paradis
Vanessa Paradis joined the list of Johnny Depp's ex-girlfriends that came to his defense. Paradis provided written support for Depp during his UK libel case. She praised Depp as a "kind," "attentive," and "generous" person. Paradis added that she never saw him act like a violent person.
10. J.K. Rowling
Initially, Johnny Depp portrayed Gellert Grindelwald in the Harry Potter prequel Fantastic Beasts. However, due to Amber Heard's abuse allegations, the studio replaced Depp with Mads Mikkelsen.
Harry Potter and Fantastic Beasts author J.K. Rowling supported keeping Depp in the role. She thought he was the perfect actor to portray Grindelwald. Of course, Rowling is no stranger to controversy herself with her views on the trans community, so might not be the best friend for Depp to have.
11. Eva Green
World-famous actress Eva Green and Johnny Depp are more than just co-stars. They're good friends that have always had each other's backs. Green publicly stood by Depp's side during both trials. She posted two Instagram posts that defended Depp.
12. Ireland Baldwin
During the trial, several Hollywood stars took to social media to voice their support for Johnny Depp. For instance, Ireland Baldwin criticized Amber Heard on Instagram, claiming she was manipulative and trying to be the victim.
Baldwin later regretted her comments about Heard. Baldwin also hoped that Depp's career would rebound.
13. Ashley Benson
magicinfoto/Shutterstock
Some celebrities publicly voiced their support for Johnny Depp. However, a few others took a different approach. After Depp's victory, he wrote a lengthy post on Instagram. Several celebrities simply liked the post. Actress Ashely Benson took it a step further. She left a comment celebrating his victory and thanked his legal team and lawyer, Camille Vasquez.
14. Bill Burr
Ian Young Nounpusher/Shutterstock
Unsurprisingly, several comedians joked about the Johnny Depp vs. Amber Heard trial. Legendary comic Bill Burr didn't hold back on his feelings. Burr admitted to being a big fan of Depp and supported him throughout the trial. Burr hopes that people don't jump to conclusions so fast and believe lies in the future.
Related Topics:EntertainmentJohnny Depp
Did Johnny Depp Fake His Injury Pics During Amber Heard Trial? Court Doc Reveals The Photos "Raise Serious Authenticity & Manipulation Concerns"
Johnny Depp and His Famous Co-Star Make Up "The Dream Team"


"My cats had always been indoor until I found this system. I've never seen them so happy! I will never have a cat without a cat fenced yard again." Vanessa M.
The cat enclosure offered from Deerbusters is called the Kitty Corral Cat Fence System, designed to provide all cat breeds with years of entertainment, fresh air, socialization with other pets, and exercise. Kitty Corral Kits are the humane solution to pet enclosures for cats - whether it's for your own domestic breed or for a Trap-Neuter-Return (TNR) Program for feral cats. Please note: Deerbusters does not offer electric fences for cats.
The benefits of installing a cat fence from Deerbusters.com for your kitty is that the cat enclosures from Deerbusters.com are made from the same high-quality polypropylene fence mesh that our customers love from Deerbusters puppy fence. Moreover, this virtually invisible fence for cats includes everything pet owners need to build the cat fencing from the fence posts and ground stakes to the self-locking ties, and more. These are reliable cat enclosures that will keep-in cats and protect them from outside predator animals. See how easy it is to install a Kitty Corral! For dog owners looking for a cat proof fence, the Kitty Corral works to keep out stray, homeless cats. See our cat fence installation instructions.
For homes with existing fences, our Cat Fence Conversion Kits can be used to make any existing fence a safe and secure cat enclosure. The extenders are attached to your current fence posts and our cat fence material is attached to both the extenders and your fencing to keep your cats inside the fence. Want to install a Deerbusters cat fence overhang extender? See our instructions to install a cat fence extenders.


Screening & Q&A with director Amber Fares. Award-winning director and cinematographer Nadia Hallgren who has worked with Michael Moore and Laura Poitras amongst others will be moderating the Q&A with the film's director Amber Fares.
Speed Sisters is the third screening in our 3rd Annual Women's Film Series which runs from Oct 4-14th, showcasing an incredible lineup of talented directors and award-winning documentaries.
AMBER FARES is an award-winning documentary filmmaker and photographer. Her feature-length directorial debut Speed Sisters premiered at Hot Docs in 2015, where it was one of the top 20 Audience Choice Awards, and won the Audience Award at the Irish Film Institute Festival. Speed Sisters is currently playing in film festivals around the world. Amber's continually expanding storytelling approach is driven by the belief that personal stories can best help connect audiences to important topics and issues and has worked with organizations like UNRWA, Defence for Children International and Amnesty International. Amber co-founded SocDoc Studios to produce story-driven films that explore social issues.


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Artists - A-H
& Young
Aaron Lewis
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Izzy Stradlin
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Queensrÿche
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Megadeth Part Ways With Bassist David...
Ozzy Osbourne's New Album Is "Halfway"...
The Story Of AC/DC Finding Their...
Album Review: "Two Steps From The...
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"Unconventional Biopic" In The Works For...
Santana and Gato Barbieri – "Europa" Live
Santana Meets Gato: Two Musical Greats!
"Europa" has been covered using a wide variety of musical instruments — from the usual electric guitar to ukelele to name a few. Gato Barbieri, a jazz tenor saxophonist from Argentina, plays alongside Carlos Santana himself in this clip. He became well-known in the sixties during the free jazz movement.
By now influenced by John Coltrane's late recordings, as well as those from other free jazz saxophonists such as Albert Ayler and Pharoah Sanders, the warm and gritty tone, which would become his trademark sound, began to develop. In the late 1960s, he was fusing music from South America into his playing.
"Europa" became his most popular track. At that time, he was transitioning towards some pop, soul and jazz. The next famous song of his was "Ruby Ruby" which was produced by Herb Alpert. Another saxophonist, Jimmy Sommers , also made his own cover of "Europa."
The 16 bar harmonic composition (chord progression) is that of the jazz standard "Autumn Leaves" (originally Les Feuilles Mortes"), with the first verse ending in the minor, and the last verse ending in the major.
After listening to this version, I only have one question: "How good is this?!"
Hats off to these two brilliant musicians!
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Children at Risk Rotary Action Group
Youth Service » Children At Risk
There can be few challenges to society's future more important than the millions of children at risk. The coming generations will determine the future of our world, its families, its social structure and even the possibility of maintaining and improving our way of life. ROTARIANS IN ACTION FOR CHILDREN AT RISK is a Rotarian Action Group presently in formation (application submitted to Rotary International). It has been established at the recommendation of Past R.I. President Frank Devlyn. DGN Loren Harper of our District 5170 is the proposed founding chair. Lloyd Young (District 4580) is the Project Coordinator. Since 1992 Co-founders Loren Harper and Lloyd Young have worked together to establish and maintain SISTER FAMILIES, a Brazilian Rotary project, providing substitute families for young abandoned children, as described below. The past SISTER FAMILIES program successes in Brazil will be a model for what the new Action Group can do worldwide.
It is not often that a movement, even as large as Rotary, can contribute to the transformation of social policy on a national level, but this is taking place in Brazil. Over many years thousands of abandoned Brazilian children have been warehoused in institutions, with consequent permanent emotional damage, especially to young children who lack a vital maternal presence during their formative years.
Ten years ago, Brazilian Rotary District 4580, in cooperation with California District 5170, launched the Sister Families Project, to provide substitute Brazilian families for young children who had been separated from their original families. Rotary Clubs from various countries have participated as sponsors of children, through Rotary International's World Community Service Projects Exchange program (Project #W02675).
Under the leadership of the Honorable Rodrigo Lobato Junqueira Enout, president of the Brazilian Association of Juvenile Court Magistrates, the guardianship substitute families program is gaining wide acceptance.Children within five Brazilian states are now with families instead of living in institutions. Recently the municipality of Sao Paulo, with about 18 million population, announced a new policy of substitute guardianship families instead of institutionalizing children. An official invitation has been extended to Rotary District 4580 to collaborate in developing such a "foster care" program.
The first step in this cooperation occurred August 16, 2002 with a live video conference with simultaneous translation linking a group of top Brazilian social service executives, juvenile court judges and other officials meeting in a studio of the American Chamber of Commerce in Sao Paulo linked with two locations in California: San Jose, California with the Honorable Leonard Edwards, President of the US National Council of Juvenile and Family Court Judges and Dr. David Arredondo, psychiatrist and specialist in early child development and Los Angeles, Marjorie Kelly, Interim Director of the Los Angeles Child Care Department. During the video conference, ideas and experiences were exchanged between Brazilian and California specialists regarding how Sao Paulo could best mount the first major foster care system in Latin America.
As part of the new foster care project, Rotarians are including Court Appointed Special Advocates, volunteers who are trained and officially appointed as "A Voice For The Child" by juvenile court judges. Each of these volunteers are authorized to visit a child selected by the court each month and provide a written report to the court every ninety days regarding the well being of the child.


As the topic, most people enjoy the high speed, but how to record the fast movement, take video, like Hollywood movie?
i do not want to take movie, but want to take video myself.
is there any cheap product, such as small DV, or camera could do that?


These cupcakes will be sure to spread a little happiness with their oozy curd centre and soft meringue topping.
Preheat the oven to 180¨C (fan 160¨C)/350®¨F/gas mark 4. Line a 12-cup muffin tin with cupcake papers.
For the cupcakes, cream the butter, sugar and vanilla seeds together in a large mixing bowl, using an electric hand whisk, until pale, fluffy and well combined.
Spoon the cupcake batter into the cupcake papers. Add 1 tsp of lemon curd to the top of each cupcake.
Bake the cupcakes in the preheated oven for 15-20 minutes, or until they are pale golden-brown and spring back when pressed lightly in the centre.
Spoon the meringue into a piping bag with a small plain tube and pipe some in a spiral on top of each cupcake. Place the cupcakes under the hot grill 2 minutes to colour (or you can use a kitchen blowtorch to toast the meringue).


The Western Plateau Planning Area is the most sparsely populated planning area in the state although there are some rapidly growing areas. Census data for 2000 show almost 17,500 residents in the planning area. Arizona Department of Economic Security (DES) population projections suggest that the planning area population will more than double by 2030, to about 35,000 residents. Historic, current and projected basin population is shown in the cultural water demand tables for each basin in sections 6.1-6.6.
The 2000 Census populations for each basin and Indian reservation, from highest to lowest, are listed in Table 6.0-4. The most populous basin is the Coconino Plateau with about 9,200 residents in 2000. The Shivwits Plateau and Grand Wash basins have very low populations with 12 and 15 residents in 2000, respectively.
Table 6.0-5 lists incorporated and unincorporated communities in the planning area with 2000 Census populations greater than 500 and growth rates for two time periods. Communities are listed from highest to lowest population in 2000. The planning area population grew by 35% between 1990 and 2000. There are only three incorporated communities in the planning area, Colorado City, Fredonia and Williams. Relatively rapid growth has occurred in several areas including Beaver Dam/Littlefield, Colorado City, Valle and Cameron. The unincorporated areas of Beaver Dam/Littlefield and nearby Scenic, Arizona, are experiencing growth in large part due to their proximity to growth in Mesquite, Nevada. Mesquite experienced an annual growth rate of almost 12% between 2000 and 2008 (Hardcastle, 2008), fueled by development of retirement communities and its growing popularity as a resort destination.
Arizona has limited mechanisms to address the connections between land use, population growth and water supply. A legislative attempt to link growth and water management planning is the Growing Smarter Plus Act of 2000 (Act) which requires that counties with a population greater than 125,000 (2000 Census) include planning for water resources in their comprehensive plans. Of the two counties in the planning area, only Mohave County fit the size criteria in 2000. The Mohave County water resources element will develop a water budget for each of the groundwater basins in the county and will prioritize this effort based on growth potential, water availability, number of wells and other factors (Freilich, Leitner & Carlisle, 2005). However, the County's key water issues and planning efforts are related primarily to that part of the County south of the Colorado River. Although not required by law to include a water resources element in the county's comprehensive plan, Coconino County has done so. The County Plan emphasizes conservation in tandem with resource development and recognizes the importance of incorporating climatic variability into water resource planning (Coconino County, 2003).
The Act also requires that twenty-three communities outside AMAs include a water resources element in their general plans. In the Western Plateau Planning Area this requirement applies only to Colorado City. Plans must consider water demand and water resource availability in conjunction with growth, land use and infrastructure.
Beginning in 2007, all community water systems in the state were required to submit Annual Water Use Reports and System Water Plans to the Department. The reports and plans are intended to reduce community water systems' vulnerability to drought, and to promote water resource planning to ensure that water providers are prepared to respond to water shortage conditions. In addition, the information will allow the State to provide regional planning assistance to help communities prepare for, mitigate and respond to drought.
An Annual Water Use Report must be submitted each year by the systems that includes information on water pumped, diverted, and received, water delivered to customers and effluent used or received. The System Water Plan must be updated and submitted every five years and consist of three components, a Water Supply Plan, a Drought Preparedness Plan and a Water Conservation Plan. By January 1, 2008 all systems were required to submit plans. By the end of 2008, plans had been submitted by 18 systems including City of Williams, Colorado City, Fredonia, Grand Canyon National Park and HydroResources-Tusayan and were used to prepare this document. Annual water report information and a list of water plans are found in Appendix B.
Main Street Williams. Beginning in 2007, all community water systems in the state were required to submit Annual Water Use Reports and System Water Plans to the Department.
The Department's Water Adequacy Program also relates water supply and demand to growth to some extent, but does not control growth. Developers of subdivisions outside of AMAs are required to obtain a determination of whether there is sufficient water of adequate quality available for 100 years. If the supply is inadequate, lots may still be sold, but the condition of the water supply must be disclosed in promotional materials and in sales documents. Legislation adopted in June 2007 (SB 1575) authorizes a county board of supervisors to adopt a provision, by unanimous vote, which requires a new subdivision to have an adequate water supply in order for the subdivision to be approved by the platting authority. If adopted, cities and towns within the county may not approve a subdivision unless it has an adequate water supply. If the county does not adopt the provision, the legislation allows a city or town to adopt a local adequacy ordinance that requires a demonstration of adequacy before the final plat can be approved. As of September 2009, no counties or towns in the planning area have adopted this provision.
Subdivision adequacy determinations (Water Adequacy Reports), including the reason for the inadequate determination, are provided in basin tables and maps and are summarized in Table 6.0-6. As shown, 86 subdivisions with over 5,400 lots were reviewed for an adequacy determination through 2008. All subdivisions were found to have an inadequate water supply in the Coconino Plateau Basin while all subdivisions were found to have an adequate supply in the Paria Basin.
Shown in the basin sections are approved applications for an Analysis of Adequate Water Supply (AAWS). This application is typically associated with large, master planned communities. The only AAWS determinations in the planning area are in the Virgin River Basin where two applications totaling 27,700 lots have been approved.
No water providers in the planning area are designated as having an adequate water supply for their entire service area as of the date of publication of this document. However, an application for a designation of adequate water supply was pending for Beaver Dam Water Company as of September 2009. A service area designation exempts subdivisions from demonstrating water adequacy if served by the provider.


Seventy-two guidance counselors, representing more than 50 high schools, attended the special event at IU East, and each counselor present received $72,000 worth of scholarships to give to students in their high schools that meet the academic and admission requirements at IU East.
"We have a great partnership with these counselors," said Molly Vanderpool, director of Admissions. "These scholarships enable them to reward their high school students for outstanding academic achievements with a significant scholarship," she said.
Vanderpool explained that counselors might use the scholarships to help outstanding students who may not have the financial resources to pursue a bachelor's degree full-time or who are committed to building their success in this part of the state.
"This is the second year of this initiative, and it has helped increase both the quantity and quality of students at IU East," said Vanderpool.
This fall semester, IU East increased enrollment by 8.6 percent in credit hours and reached a record-high in credit hours taught. The average SAT score for this year's freshman class also increased by 21 points compared to last year's freshman class.
During the program, counselors also learned about IU East's new mission as a baccalaureate and master's degree institution and its plans for continued growth.


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Q: how add comments into listview in recycler view.Adapter i need to put comments on click button into listview, but i am using recycler view adapter.
i get this error:
Error:(200, 54) error: no suitable constructor found for ArrayAdapter(<anonymous OnClickListener>,int,ArrayList<String>)
constructor ArrayAdapter.ArrayAdapter(Context,int,int) is not applicable
(argument mismatch; <anonymous OnClickListener> cannot be converted to Context)
constructor ArrayAdapter.ArrayAdapter(Context,int,String[]) is not applicable
(argument mismatch; <anonymous OnClickListener> cannot be converted to Context)
constructor ArrayAdapter.ArrayAdapter(Context,int,List<String>) is not applicable
(argument mismatch; <anonymous OnClickListener> cannot be converted to Context)

THIS IS THE CODE:
holder.button.setOnClickListener(new View.OnClickListener() {

        @Override
        public void onClick(View v) {

            //holder.lw.setA
           String commento= (holder.tw.getText().toString());
           // holder.lw.setAdapter(adapter);
             ArrayList<String> arrayList= new ArrayList<String>();
            final ArrayAdapter<String> adapter = new ArrayAdapter<String>(this, android.R.layout.simple_list_item_1, arrayList);

            arrayList.add(commento);
            // next thing you have to do is check if your adapter has changed
            holder.lw.setAdapter(adapter);
            adapter.notifyDataSetChanged();

        }

    });

Someone can help me?
THANKS

A: Replace "this" with Context in the line
 final ArrayAdapter<String> adapter = new ArrayAdapter<String>(this, android.R.layout.simple_list_item_1, arrayList);

pass the context in your VideoAdapter
 VideoAdapter videoAdapter = new VideoAdapter (this);

Constructor of VideoAdapter
  public VideoAdapter (Context context) {
       this.mContext = context;
    }

intialize like this
 final ArrayAdapter<String> adapter = new ArrayAdapter<String>(mContext , android.R.layout.simple_list_item_1, arrayList);

As you can see that the constructer of ArrayAdapter require Context instead of the onClickListener refrence
Note: You can pass as many argument in the your VideoAdapter constructor this is just a way to show you how to pass the context.


This Daintree accommodation in Australia has a maximum capacity of two glampers, which makes it great for couples or best friends! In this unit, guests will have a double bed with linens, mosquito nets, and cooling fans. There are an outdoor table and chairs on the shared veranda. Glampers can watch the sunrise and sunset over the tropical rainforest that surrounds them here.
A few meters away, there are toilet and shower facilities available in a shared amenities block.
These glamping accommodations are all eco-friendly, comfortable, and won't break the budget. Whether traveling alone, with friends, or the whole family, glampers can hang deep within the tropical rainforest and surround their senses with the sights, sounds, and smells of a real jungle!
Glampers are free to take part in as many or as few activities as they so wish. From a two-day sea-kayaking expedition to spectacular Snapper Island, to a gentle stroll through the rainforest with the resident guide who will make sure guests will have a one of kind experience.
After a day of exploration, guests can wind down the evening sharing the day's activities with the friendly staff and other guests, slip into the pool, surf the net, learn about the Daintree, or just relax.
Those who still have energy to burn can take the terrific jungle night walk. Guests will be kept well fed and watered at this accommodation too! Guests can check out their famous Kingfisher Café, open for breakfast and dinner every day with loads of budget-minded, fresh and tasty tropical fare, or prepare their own in the fully-equipped self-catering kitchen. Guests can quench their thirst at the fully licensed Gecko bar and try a tropical cocktail with a twist or mix it up with one of the local brews. Last but not least, when guests just can't keep their eyes open any longer, they can make their way through the jungle to their very own piece of paradise and fall asleep to the sounds of the rainforest, dreaming of tomorrow´s eco-adventures.


It's been an inspiring month to say the least! With the constant bad news flying around, I try my best to stay positive and look for the good in everything. And the best thing is: if you want to see the good, you will.


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Home > News / Events > Events / Speaking Engagements > Dilworth Paxson Partner To Participate In Georgia v. Brailsford Reenactment
Dilworth Paxson Partner To Participate In Georgia v. Brailsford Reenactment
Dilworth Paxson Partner Linda Dale Hoffa will participate in the reenactment of the first and only trial conducted before the U.S. Supreme Court - Georgia v. Brailsford - on September 19, 2016, as part of the United Kingdom – United States Legal Exchange. The reenactment will take place in Philadelphia's Old City Hall, which was the site of the original trial in 1794, and was conducted before U.S. Supreme Court Justices Bryer, Ginsberg and Alito and Justices from the United Kingdom.
Every ten years, the United Kingdom – United States Legal Exchange meets under the sponsorship of the American College of Trial Lawyers to exchange ideas. This year the Exchange will meet in Philadelphia.
Case Background
Samuel Brailsford was a British merchant who made a loan in 1774 to James Spalding, a Georgia colonist. In 1776, before Spalding paid his debt, the American colonies declared independence and went to war with Great Britain. In 1782, near the end of the Revolutionary War, the state of Georgia passed a Confiscation Act, which "sequestered" debts due to residents of Great Britain but confiscated property of Loyalists.
When the war was over, the State of Georgia argued that it had lawfully confiscated the debt owed to a foreign enemy and had become the rightful owner of the money Spalding was obligated to pay Brailsford. To further complicate matters, in 1783 the United States and Great Britain had signed a peace treaty concluding the war, the so-called Treaty of Paris. Article 4 of that Treaty provided that no "lawful impediments" would be placed in the way of either country's creditors in recovering pre-war debts.
Article III of the Constitution gave the Supreme Court's original jurisdiction, and this was the first and only trial before the U.S. Supreme Court. The issue argued was whether the debt had been "sequestered," that is, merely set aside until the end of hostilities, or whether it had been in fact been "confiscated" causing rights in that debt to have vested in Georgia long before the Treaty of Paris was enacted. Linda in the mock historic trial will represent Brailsford.
Linda Dale Hoffa


Academics tout the tide of so-called consumption smoothing: borrowing heavily when you're young, then paying off those debts when you're old, so as to maintain a constant standard of living throughout your life. This is a really, really dumb idea, since it ignores habituation: Get used to the Beemer and business class when you're young, and by the time you're middle-aged you'll need a Bentley and private jet. My medical colleague and fellow financial author Jim Dahle advises newly established doctors to continue "living like a resident" for several more years after starting practice. That's good advice for just about everyone else too: Get used to Motel 6 when you're young, and when you're older and richer you'll pinch yourself every time you check into the Radisson.
At issue here is the so-called hedonic treadmill or hedonic adaptation. The notion: We aspire to get that next promotion and, initially, we are thrilled when the promotion comes through. But all too quickly, we adapt to our improved circumstances, we take the new job for granted and soon we're hankering after something else….The process of striving for material improvements, and then quickly adapting to those improvements, makes it difficult to achieve permanent increases in our level of happiness.
If you look around, you will see examples of consumption smoothing all over the place. It manifests itself with medical students going on vacations paid for by student loans, residents driving cars they can't afford until they're ten years out of residency, and with new attendings buying a house with zero down despite having a net worth of -$400,000. There are obviously some valid uses of debt (consider how student loans may increase your career earnings by five times what they would be if you never went to medical school). In addition, savings are extremely useful in times of job loss, financial stress, and certainly during retirement. Despite these facts, consumption smoothing is a terrible idea for three reasons.
There is a certain mindset required to become rich/wealthy/comfortable etc. Just about every self-made millionaire shares the same traits and mindset. They work hard, they save money, and they practice frugality, especially when young. Consumption smoothing encourages you to never really develop this mindset. Like the little red devil on your left shoulder, it tells you to "Go ahead and buy that Mercedes, you're a doctor and you'll make plenty of money eventually. You deserve it." Someone with a consumption-smoothing mindset instead of a wealth-building mindset is unlikely to ever build the wealth that would actually allow for consumption smoothing.
More importantly, as mentioned by Bernstein and Clements above, the main problem with consumption smoothing is hedonic adaptation. If you are living like an attending as a resident (you know, staying at the Radisson), there will be no reward later for all your hard work. Spending and consumption are like narcotics. Not only can you become addicted to them, but you gradually become tolerant, such that the same amount of spending no longer brings the same level of happiness. So if you spend the same amount throughout your life, your happiness, at least as far as it can be purchased with money, will actually decrease due to this increasing tolerance. Want to have "happiness-smoothing" throughout your whole life? Then set up your finances so you can spend a little more each year. That means you had better start out spending very little early on, which is the exact opposite of consumption smoothing.
Another big issue with consumption smoothing is that it requires a great deal of borrowing, at least in the beginning, and then you spend the rest of your life paying back that debt from your youth. Some people are huge fans of debt and barely even make a distinction between good debt and bad debt. Others are rabidly anti-debt, since "the borrower is slave to the lender." I'm more of a "debt is a necessary evil" where I can justify a few debts but they should be few and far between, at the best possible terms, and paid off relatively quickly unless there is some obviously better use for the money (like getting the match in a 401(k) or perhaps maxing out retirement accounts.) The problem with debt is it locks you into a pathway. When you borrow $450K to go to medical school, well, guess what you're going to be doing for the next 20 years whether you want to or not? That's fine if it is what you want, but too often, it isn't. In reality, when you borrow you aren't borrowing from the bank or the federal government. You're borrowing from "Future You." And Future You may not appreciate the amount you borrowed or the terms you agreed to. You would do well to assume that Future You would like to take even nicer vacations than you like, drive an even nicer car than you drive, and have fewer financial worries than you have. Besides, life changes. Maybe you want to change careers. Perhaps you become disabled, or divorced, or widowed. Maybe you have a special needs child. Maybe your expected income gets halved. In all these situations, the goal level of spending you are "consumption-smoothing" to will be too high. Now what? You're hosed, that's what.
Thanks to adaptation, we can easily adjust our lifestyles to lower levels and still be happy in the event of economic downturn. But if you have big debts and high levels of other fixed expenses, that adjustment is difficult, if not impossible.
Consumption smoothing is a bad idea. People are not automatons and life changes. Start your adult life with very frugal habits and you will always feel wealthy.
What do you think? Do you believe in consumption smoothing? Why or why not? Why do doctors and other high income professionals get suckered into this? Comment below!
Happiness is relative. If life is the same for your entire life then you likely won't be happy. You need ups and downs. Financial up and downs are just one manifestation of that need. Without the rewards of a changing spending level over time you will, as you noted, grow tolerant to them. Happiness is the point after all.
Absolutely, absolutely, agree that one shouldn't borrow money to fund consumption… And for all the good reasons you give.
But can I suggest that it does make sense to save windfalls and to recognize that often (usually?) a high income is temporarily?
A couple of interesting facts about high income and windfalls: A top one percent income recipient typically sees his or her income drop by about 60% ten years out… The average person has about an 11% chance of someday joining the top one percent–if only briefly.
I guess my focus was more on the front half of consumption smoothing, not the back half. I'm less worried about a high earner who wants to save big.
Actually, my beloved late husband and I (both economists, by the way) had a different kind of consumption smoothing philosophy than you describe. Never forget how much joy you managed to have living on a shoestring grad student budget and when your income increases after that, don't ratchet up your spending automatically when your income increases. Due to vicissitudes of complicated careers, our incomes fluctuated drastically but this philosophy has stood our family in good stead. In retirement, I am able to live comfortably and have resources with which to make a small difference in the world.
Of course, I agree with you on the notion that spending big as a student or resident in anticipation of earning a big paycheck later on is foolish. Several residents in my program were leasing luxury vehicles to make the one to two mile commute to the hospital. I figured their parents were rich, but looking back, I'm guessing debt played a larger role than I realized.
The opioid analogy is perfect. With opioids, you quickly become tolerant to the high, but tolerance to the ugly side effects (respiratory depression, GI sx) develops much more slowly. With spending, tolerance develops quickly to the upgraded item / lifestyle, but the downsides like debt and an unfunded retirement are easy to dismiss.
Never change your cantankerous ways!
Must have been feeling really feisty a few months ago when I wrote this.
I wish I could edit my comment. I read the post, wrote the comment, clicked post, and then re-read the post.
What I would like to say now is that consumption smoothing is probably bad if it's really an excuse to borrow for consumption. But consumption smoothing is probably good if you're smoothing your income by not ratcheting up spending when your income spikes.. and consumption smoothing is good if you're saving some of today's income for tomorrow's spending (e.g., for retirement).
Is consumption smoothing similar to lifestyle creep then? I would argue for people in medical or law school they are, except that in medical school lifestyle creep comes in the form of people advising you to take out loans now because you will make lots of money later. Enjoy life now they say! You live only once! You don't know what tomorrow brings!
These are the types of advice that get young people in trouble. Plus, you are absolutely right. Borrowing now is borrowing from future you and it is unlikely future you will agree with your choice!
I think most people would agree that consumption smoothing is a terrible idea when financed by debt, but there are subtler ways to do consumption smoothing that seem like reasonable financial planning. For us, we're doing a bit of consumption smoothing by manipulating our savings rate. We (resident SO + highly-paid tech person) increased our spending* to buy a house but are still saving a lot** but not quite as much as I'd like. Our current expected savings rate wouldn't be enough to meet my financial goals as quickly as I like, but if we keep spending roughly stable after residency, our long-term savings will be where I'd like. It seems like there's a way to do sensible consumption smoothing when it's part of a longer-term concrete financial plan (with real numbers and realistic assumptions).
* We increased our spending plans from about $3.5k/month to about $5k/month after buying a house.
** When deciding to buy a house, we were expecting a 35% savings rate, but with my bonus it ended up closer to 50-60%, which is what my goal would have been, so the whole thing is kind of moot, but it made it easier for me to commit to a house.
I hardly think you're engaging in consumption smoothing with a 60% savings rate.
There will always be someone who spends more and has nicer toys/houses/cars/boats/clothes/shoes. Once I realized that I could never keep up, even with debt, it was easier to take the next step and realize that I didn't want to keep up.
Even with a big raise, I don't think our lifestyle would change. We're happy with what we have and what we do, so we'd funnel the new $$ into savings until we were financially free then give away the rest.
I sort of wondered whether people going into medicine expect to have a healthy income that comes biweekly, so it becomes easy to consume their way into that lifestyle prior to getting that first paycheck.
In contrast, most people running their own business know how much fluctuation in sales are month to month. Do they practice consumption smoothing?
Frankly, I don't think that consumption smoothing can possibly work. If I stayed at Ritz Carltons as a medical student thinking that I'd make up the difference as an attending, I'll soon discover that there are Four Seasons or higher tier hotels. I'd sure as well move into those once I am making attending money.
I'm going to take a slightly contrarian position here. I agree that leasing luxury cars while a resident is foolish. However, for many people's lifecycle the years of med school/residency/fellowship are the glory years before you "grow up" and settle down. I can think of memorable vacations, etc that I took in my 20s that I wouldn't be able to take now. Had I played it straight and narrow and not splurged then I'd have missed out on some good times. The only other caveat was that back then was a little different time, less borrowing for loans, lower interest rates, so less of a hole to climb out of as an attending.
There were definitely many classmates who lived very large in law school and my wife's medschool, borrowing exorbitantly against their futures, sinking themselves deeply in debt, living like an attending while the interest accrued on their interest.
But I wouldn't go back and undo the vacations and experiences that my wife and I had through school and even to today just to put a few more nickels away for retirement. If you wait to do anything remotely nice or excessive until you're independently wealthy, then you end up becoming a lonely, elderly person. There's no perfect time for anything. Pinching every penny and obsessing over your monthly statements for over half your life while you force you and your family to live in some spartan squalor to save up for "one day" is no way to live.
This post is similar to Dave Ramsey saying credit cards are bad. For the average American the result of credit cards and consumption smoothing is bad because they do not understand it properly. If you know to pay off credit cards properly, their convenience and rewards are awesome. Same for consumption smoothing. I would venture to guess you did some strong consumption smoothing when you took your military scholarship. You sacrificed "future you" with lower income right out of residency to enjoy stipends during medical school. I agree dramatic consumption smoothing (ie a straight horizontal line = same spending every year) is not advantageous and too costly. And I think this is the premise of your post. More reasonable consumption smoothing (ie a diagonal line = slight similar increases each year) is psychologically rewarding. How conservative the slope of the line or spending increases are is the very subjective personal debate. The absence of consumption smoothing (often a bell curve with exponential rise and exponential fall) is psychologically damaging. And most of the damage is done not during the fall but during the rise when priorities are easily skewed by one's success. You seem in favor of saving dramatically (like the rest of the FIRE crowd) in hopes of making your spending curve be a horizontal line followed by an exponential curve. I don't think this would be very satisfying for a long career. Maybe the Mustachian crowd of under 10 year career can make this work but I would argue it often requires extreme consumption smoothing. I think people need to have a real debate within themselves of what is "enough" in comparison to the sacrifices necessary to get there.
+1 great post. Just because many people can't handle it doesn't mean that it's bad in general.
I agree in a sense. Consumption smoothing that forces you to work hard right up till you retire at 65 is not a good idea, but some consumption smoothing that still buys early financial security is not that big of a deal. Only issue I see is that lifestyle creep is a real thing. Adding consumptions smoothing to too much lifestyle creep equals no financial security, stress, and less happiness.
Reality is that no one answer fits every person/family. As long as the goals are reasonable, and the trajectory is lined up towards achieving those goals, then having lifestyle creep and consumption smoothing is equally reasonable.
A home loan is the very epitome of "consumption smoothing." But unless you can rent very cheaply, or have some need to rent, etc., it's commonly accepted and even encouraged as responsible to purchase a reasonable home instead of throwing money away on rent. Generally speaking you can spend less money per month buying than renting, building equity as you go until eventually it's paid off and you have negligible housing expenses.
A student loan also captures the very essence of consumption smoothing. Pay for your very expensive education over a long period of time. The only ways to avoid this are to 1) be born to wealthy parents who rain money on you or 2) don't go to expensive school (all med school is expensive, some just more than others). You simply can't pay your way through medschool, be it due to the rigors of school or due to the rules which often literally ban you from holding other employment outside of school.
be risk, but the tool often is essential to getting a job done.
coincident with finishing training – having a family.
local CSA, etc. are all things that resident me would not consider.
closes, and cannot be re-captured.
consignment stores. That sounds like live like a resident ethos.
home equity buy-downs or college savings.
Totally agree with WCI's take on it. The biggest problem I see to this philosophy is that it assumes too much. It assumes you'll be able to pay it all back and ignores the very real possibility that life can change and make all that debt a very big problem. I can attest to this personally because I realized 5 years into practice that I really didn't enjoy my job and wanted a career change (like didn't want to be a doctor anymore kind of career change). And I had not been careful about saving, paying off debt, or living frugally. Fortunately, I've been able to find work that is more satisfying and tolerable than my last job and will pay enough to keep things good, but the stress that this has caused me is immense. It is very psychologically damaging to see a big mound of debt and suddenly not feel secure about your income. I wouldn't wish it on my worst enemy! Promoting the idea of "go ahead and borrow as much as you want now and pay for it later" is absolute stupidity in my opinion.
I thought taking fewer shifts before you are financial independent is a form of consumption smoothing. You consume more time off now instead of waiting to hit the holy grail and then call it quits.
Yea, it turns out the term consumption smoothing can be applied to a lot of things. I guess what I was really railing against was the idea of living like an attending while you were still a student/resident.
I have to agree with consumption smoothing crowd with certain items.
Could you live in that 2 bedroom condo? Sure, Been there, done that. Its a hell of a lot easier to get a mortgage and use leverage to my advantage than sitting on top of each other in 1000sq ft.
You also might need to buy that larger SUV or minivan to get them and their friends around to soccer practice etc… Does that mean you have to buy a fully loaded GMC Suburban Denali? Of course not, but its still going to cost a hell of lot more than your 10 year old Corolla you drove in medical school.
I think these are the good examples of consumption smoothing that they had in mind, I could be wrong, I hadn't heard much about it until I read your post.
I highly doubt the intent of the consumption smoothing crowd is for me to take my family skiing in the Swiss Alps right now because I could borrow from my future self. Interesting topic for sure, thanks for bringing it up.
Your examples would make sense except that an attending should easily be able to buy a minivan with cash and a nice house with a mortgage of less than 2X his gross income.
Having lived in the 1 bedroom condo, the two bedroom duplex, a three bedroom townhouse, and the current monstrosity where we cannot seem to keep all three floors clean at once, I can assure you that priceless family memories do not depend on the size of the house.
Your arguments/justifications are the same ones used by docs who get themselves into financial trouble. Be careful with them.
Stale post, but I'll still chime in. I first encountered this notion while (briefly) studying Milton Friedman's "Permanent Income Hypothesis" in the 80s as an undergrad. It provides a pretty compelling framework for at least some "consumption smoothing"– especially if you use some common sense and moderation. When you're a starving student, the marginal utility of consumption can be very high. The extra $50 to see a show or $1000 to take a trip (or whatever) are opportunities that might be hard to replicate later in life, even if you have the money later (time becomes more valuable / you're only young once, etc.). The risks are that you overestimate your future earnings and/or that your borrowing costs swamp the apparent NPV of the proposed spending item. But, for many people in competitive Law/MBA/MD programs (for example), their future earnings potential can be estimated with reasonable precision. In these unique situations, it is conceivable that, for example, carrying $5000 on a credit card for a year or two (even at 15% interest, or whatever) to fund a summer's worth of travel could be a very smart way to increase your aggregate happiness over the course of your life. Leasing a $60K BMW versus driving a $20K Honda, probably not so much. For me, the key was to try to be honest with yourself about predicted future income and the liquidity/cost of capital implications.
Be careful, it's a slippery slope. You're right that a little probably doesn't hurt much and a physician-level income can overcome a lot of financial mistakes. But I've met a lot of doctors that are very sad about their $400-600K loans.
"If investing is entertaining, if you're having fun, you're probably not making any money. Good investing is boring."


TASK ONE: We will watch Nelson Mandela's story of resilience together. On your own or in groups of two, watch or read at least two of the following stories of resilience.
1. What struck you about the stories of resilience you saw or heard about?
2. What challenge did the people/person face and how did they overcome this challenge?
3. How did overcoming this struggle help make the people/person stronger?
4. What characteristics helped make the people/person resilient?


Do you know what two things come at the same time?
The Inktober art challenge and fall cleaning!
I've been super busy doing fun stuff like burning brush piles and drawing madly.
If you've been reading So Not Niche for awhile, you may have noticed that I've started to add more creativity to the blog than when it was new.
I realized this year that my passion (art) can be part of a lifestyle blog, and I've really been putting in some work to turn that into my actual business.
I want to write more on this later, for new bloggers who are wondering if they can really blog about things they enjoy. For now, I just want to say that I'm using Inktober this year to really explore some new styles, and push myself outside the comfort zone a bit. It is also a great opportunity to connect with other artists and fill up my online shops a bit.
None of these are available on any products yet, but as soon as I have extra time, I will be editing, coloring, and adding them to places like my Zazzle and Society 6.
If you like to draw, design, paint, or otherwise create stuff, then I really recommend trying a challenge at least once a year. You might be surprised at how overwhelmed you become with inspiration and ideas!
If you want to set your own pace, you can check out my last post, 45 Creativity Prompts. The printables are free, and you can use them however you like.
Day 2: Mayo or Miracle Whip? Cartoon.
That's week one! Anyone else drawing along this year? If so, I would love to see your work!


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