Shiftgig Applauds Exceptional Service at Chicago Restaurant Week ...

90 Participating Restaurants Have Used Shiftgig to Recruit Great Staff

?

Chicago, IL ? January 30, 2013 ? Shiftgig, the professional networking and employment community for the hospitality industry, announced today that 90 of the participating restaurants of Chicago Restaurant Week have used Shiftgig to recruit great staff since the Chicago startup launched in January 2012.

As Chicago takes its place as a leader in the rapidly evolving culinary scene with chefs who have become some of the hottest in the nation, Shiftgig has become the service industry?s resource to recruit the best talent to their businesses. More than 2,000 Chicago businesses, including most of the city?s finest restaurants, now use Shiftgig to hire smarter.

?While Chicago Restaurant Week is a time to celebrate the incredible choices Chicagoans have when dining in the city, it?s not all about the food.? said Eddie Lou, CEO of Shiftgig. ?Chicago is home to some of the best service in the country. At Shiftgig, we?re proud to be a part of the movement to provide better service and a better dining experience for everyone.?

Among the many outstanding restaurants who have used Shiftgig to recruit exceptional staff, the following establishments are also participating in Chicago Restaurant Week:

Adobo Grill	Grange Hall Burger Bar	Park Tavern
Ai Japanese Restaurant	GT Fish & Oyster	Pelago Ristorante
Aquitaine	Hash House a Go Go	Porkchop
Argent	Hearty	Prasino
Balena	III Forks Prime Steakhouse	Primebar
Bar Toma	Indian Restaurant	Quay Restaurant and Bar
Baume & Brix	Japonais Chicago	Quince Restaurant
bellyQ	John Barleycorn	Red Door
Berghoff Restaurant	Keefer?s Restaurant	Rockit Bar and Grill
Bistro Bordeaux	Kinzie Chophouse	Roka Akor
Blackbird	La Madia	Rosebud Trattoria
Boka	Lawry?s The Prime Rib	Ruth?s Chris Steak House
BOKA Restaurant Group	Le Colonial Restaurant	Saigon Sisters Restaurant
Bread and Wine	LM Restaurant	Salpicon
Carriage House	Lou Malnati?s ? Gold Coast	Spiaggia Restaurant
Catch 35 Chicago	M Bar	Sunda
Chicago q	Macello Ristorante	SUSHISAMBA
City Winery	Masaki	Tavern at the Park
Ditka?s Restaurant	Melting Pot	Tavernita
Dragon Ranch	Mercadito	The Melting Pot
DS Tequila Co.	Michael Jordan Steak House	Townhouse
Embeya	N9NE Steakhouse	Trattoria No. 10
EPIC	Naha	Untitled 111
Fiorentino?s Cucina Italiana	Nando Milano Trattoria	Vermilion
Fleming?s Prime Steakhouse	Nellc?te	Vinci
Flo and Santos	Nick?s Fishmarket Grill	Vivere
Fulton?s On the River	Nightwood	Vivo
Goose Island Clybourn Brewpub	Old Town Social	Wave
Graham Elliot	One North	Yusho Restaurant
	Park Grill	Zapatista South Loop

Businesses interested in learning more about Shiftgig should visit www.shiftgig.com/employers. Posting jobs is free.

About Shiftgig

Shiftgig is the professional networking and employment community for the hospitality industry, facilitating connections between employers and candidates. It simplifies the hiring process by matching meaningful candidate profiles with job openings so both sides get better results quickly. Shiftgig also provides the latest information on industry news, events and deals. The company currently operates in Chicago, Los Angeles and New York and is quickly expanding to Atlanta. Houston, Miami, Minneapolis, New York, Philadelphia and Washington D.C. Shiftgig was named one of the 25 coolest new businesses in Chicago by Business Insider in October 2012. For more information about Shiftgig, visit www.shiftgig.com.

Source: http://blog.shiftgig.com/2013/01/shiftgig-applauds-exceptional-service-at-chicago-restaurant-week/?utm_source=rss&utm_medium=rss&utm_campaign=shiftgig-applauds-exceptional-service-at-chicago-restaurant-week

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Gears of War: Judgment Sponsoring Maxim Big Game ... - Epic Games

The Maxim Gods and Goddesses Party is this Saturday, February 2nd and is sponsored by Gears of War: Judgment. As the exclusive gaming partner, Gears of War: Judgment will have an elaborate branded lounge featuring flat screen TVs and gaming stations for guests to enjoy the newest version of Free For All from the Gears of War franchise before its release on Mar. 19, 2012.

And don?t forget, the Gears of War trike hand crafted by Paul Jr. Designs is headed to the party for a photo-shoot. Be sure to watch for exclusive photos from the event.

After the party, the trike will be headed home to Epic Headquarters. Stay tuned for pictures from the homecoming festivities!

Posted by Flak Jan 30, 2013 Last Updated Jan 30, 2013

Source: http://epicgames.com/community/2013/01/gears-of-war-judgment-sponsoring-maxim-big-game-party/

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Working to identify early warning signs in juvenile offenders

Jan. 29, 2013 ? Red flags are easy to recognize in the days following a tragic event like a mass shooting. That's why a group of Iowa State researchers is working to identify those early warning signs in juvenile offenders before they turn into a pattern of criminal behavior.

It is often difficult for people to understand what leads to criminal behavior in children or teens. But by the time a juvenile is arrested, or referred to the juvenile court system, the child generally has displayed a pattern of antisocial behavior, said Matt DeLisi, professor of sociology at Iowa State University.

In some extreme cases, DeLisi said children as young as 5 years old are committing crimes. So when that child becomes an adult, he or she may already have a lengthy criminal record. That is why DeLisi, and the team of researchers, wants to understand what contributes to this behavior in order to correct it.

"With onset in criminal careers, the first sign of that problem behavior is an indicator of how severe it will be," DeLisi said. "If you can help them, you save a ton of money and you save a lot of problems. But it's just the issue of correctly identifying them and that raises a bunch of ethical and other issues."

The connection between the onset and the severity is similar to other ways children start to develop, whether it is positive or negative, at an early age.

"If you have someone who is 3, or even 2, and is already reading it would suggest that the person is highly intelligent," DeLisi said. "The reason is because the emergence or the onset of the behavior is usually inversely related to what they will become. The earlier something appears the more special they are or extreme."

With criminal behavior, the onset begins with rule violations, but researchers found a juvenile's first arrest or contact with the police is the strongest indicator of future problems. The study published in the Journal of Criminal Justice included 252 children living in Pennsylvania juvenile detention centers. The offenders ranged in age from 14-18 and on average had committed 15 delinquent acts in the prior year.

Researchers also discovered that children with attention deficit hyperactivity disorder got into trouble at a younger age than other juvenile offenders without ADHD. In fact, their first contact with police happened more than a year prior to other offenders. Youth with conduct disorder were also more likely to be arrested at a younger age. However, researchers urge caution on how the results are interpreted.

"This by no way means that every child with ADHD or conduct disorder will become delinquent or ultimately be arrested. What it does mean is that future work needs to address why some youth with ADHD or conduct disorder become delinquent and others do not," said Brenda Lohman, an associate professor in human development and family studies at Iowa State.

"From a preventive standpoint, this information could then help identify support systems and intervening mechanisms for families and parents, and ultimately decrease rates of antisocial behaviors of children with ADHD or conduct disorder," Lohman said.

In addition to preventive measures, researchers hope to build on this study to better understand the family dynamics that can lead to mental and behavioral issues in children.

"Extensive research indicates that economic hardship has an adverse effect on the well-being of families," said Tricia Neppl, an assistant professor in human development and family studies at Iowa State.

Economic pressures increase the risk for emotional distress, which Neppl said can lead to harsh disciplinary practices. She is working on a study to determine if such hardships, when a child is between the ages of 3 and 5 years old, impact the child's mental health when they are 6 to 13 years old.

"The results suggest that economic adversity influences parental emotional health, marital distress, and hostile parenting which predicts child mental health disorders, such as conduct disorder and ADHD, during later childhood and early adolescence," Neppl said.

As researchers understand more about the connection with antisocial behavior, DeLisi expects there will be an even greater push for intervention and treatment for ADHD and conduct disorder.

"Early interventions are very successful, but they require a lot of investment on the part of people who may be the least willing or able to invest," DeLisi said. Researchers from the University of Pittsburgh and Saint Louis University also contributed to the study.

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The above story is reprinted from materials provided by Iowa State University.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. Matt DeLisi, Tricia K. Neppl, Brenda J. Lohman, Michael G. Vaughn, Jeffrey J. Shook. Early starters: Which type of criminal onset matters most for delinquent careers? Journal of Criminal Justice, 2013; 41 (1): 12 DOI: 10.1016/j.jcrimjus.2012.10.002

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_health/~3/r_OVL__YQyk/130129144753.htm

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Heroin eyed in death of T. Boone Pickens' grandson

By Scott Gordon, NBCDFW.com

FORT WORTH, Texas -- Police are investigating the death of Thomas "Ty" Boone Pickens IV, the 21-year-old grandson of billionaire oilman T. Boone Pickens, as a possible drug overdose, two sources familiar with the investigation told NBC 5.

At least one?witness told?investigators that Pickens, a student at Texas Christian University, took the prescription drug Xanax and later injected heroin in the hours before he died, the sources said.

Pickens was pronounced dead Tuesday morning at Baylor All Saints Medical Center,?where a friend brought him after saying he wouldn't wake up. He already may have been dead for several hours, the sources added.

Read original story, watch video on NBCDFW.com

Pickens had been staying at an off-campus condo, Fort Worth police Cpl. Tracey Knight said. The Tarrant County Medical Examiner will determine his cause of death, she added.

A young man who answered the door at the condo did not want to give his name, but said that he and his cousin -- also TCU?students -- were with Pickens on Monday night.

The man, who was visibly shaking,?said Pickens told them he had taken Xanax earlier Monday and later used heroin inside their condo when the two had gone to the store and left Pickens alone.

When they returned from the store, Pickens appeared to be sleeping, he said.

Tuesday morning, when Pickens did not wake up, he and his cousin carried his body to a car, he said. His cousin drove Pickens to the hospital while he went to class, he said.

The man said police searched the condo for drugs later Tuesday morning, but he could not say what officers found.

Police had not yet decided late Tuesday whether or not to arrest anyone who may have been involved in the alleged drug use.

Knight said homicide detectives were notified of the death but it wasn't known if they would lead the investigation.

News of the death and the possible drug connection was certain to spread fast across the TCU?campus following a well-publicized drug raid just last year.

A spokesman for Pickens' grandfather issued a written statement:

"Ty?s loss at such a young age is an unspeakable family tragedy for the entire Pickens family and his many friends.? We mourn his passing and respectfully request that the family be allowed to grieve in private in this time of sorrow," said Jay Rosser, spokesperson for T. Boone Pickens.

The university also?emailed a statement.

?We are deeply saddened by the loss of this member of our community and our hearts and thoughts are with Ty?s family at this time,? said Cavins Tull, TCU vice chancellor for student affairs. ?Staff members are available if students need to speak with someone about this sad news.?

TCU360.com reports?Pickens was a junior majoring in strategic communication.

A spokeswoman for the Tarrant County Medical Examiner did not immediately return a call for comment.

NBC 5's Amanda Guerra and?Meredith Land contributed to this report.

Source: http://usnews.nbcnews.com/_news/2013/01/30/16771303-heroin-other-drugs-eyed-in-sudden-death-of-t-boone-pickens-grandson?lite

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1.75 Carat London Blue Topaz 5-Stone Sterling Silver Ring

5 stone ring.

Few things are nicer for your fingers than a manicure, but these rings are one of them. Featuring 1.75 carat of dazzling London blue topaz set in sterling silver, it will delight immensely.

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Source: http://www.shadora.com/products/1-dot-75-carat-london-blue-topaz-5-stone-sterling-silver-ring

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Tournament of THG Couples: Barack & Michelle Obama vs. Miley Cyrus & Liam Hemsworth!

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Scouts considering retreat from no-gays policy

FILE - In this July 18, 2012 file photo, Jennifer Tyrrell, right, arrives for a meeting at the Boys Scouts of America national offices in Irving, Texas, with her son Jude Burns, 5, second from right, partner Alicia Burns, and son Cruz Burns, 7, left. The Ohio woman was ousted as a den mother because she is a lesbian. The Boys Scouts of America announced Monday, Jan. 28, 2013, that it is considering a dramatic retreat from its controversial policy of excluding gays as leaders and youth members. (AP Photo/LM Otero, File)

FILE - In this July 18, 2012 file photo, Jennifer Tyrrell, right, arrives for a meeting at the Boys Scouts of America national offices in Irving, Texas, with her son Jude Burns, 5, second from right, partner Alicia Burns, and son Cruz Burns, 7, left. The Ohio woman was ousted as a den mother because she is a lesbian. The Boys Scouts of America announced Monday, Jan. 28, 2013, that it is considering a dramatic retreat from its controversial policy of excluding gays as leaders and youth members. (AP Photo/LM Otero, File)

FILE - In this July 18, 2012 file photo, Jennifer Tyrrell hugs her son Cruz Burns, 7, outside Boy Scouts national offices in Irving, Texas, after a meeting with representatives of the 102-year-old organization. The Ohio woman was ousted as a den mother because she is a lesbian. The Boys Scouts of America announced Monday, Jan. 28, 2013, that it is considering a dramatic retreat from its controversial policy of excluding gays as leaders and youth members. (AP Photo/LM Otero, File)

NEW YORK (AP) ? The Boy Scouts of America may soon give sponsors of troops the authority to decide whether to accept gays as scouts and leaders - a potentially dramatic retreat from a nationwide no-gays policy that has provoked relentless protests.

Under the change now being discussed, the different religious and civic groups that sponsor Scout units would be able to decide for themselves how to address the issue ? either maintaining an exclusion of gays, as is now required of all units, or opening up their membership.

Gay-rights activists were elated at the prospect of change, sensing another milestone to go along with recent advances for same-sex marriage and the end of the ban on gays serving openly in the military.

However, Southern Baptist leaders ? who consider homosexuality a sin ? were furious about the possible change and said its approval might encourage Southern Baptist churches to support other boys' organizations instead of the BSA.

Monday's announcement of the possible change comes after years of protests over the no-gays policy ? including petition campaigns that have prompted some corporations to suspend donations to the Boy Scouts.

Under the proposed change, said BSA spokesman Deron Smith, "the Boy Scouts would not, under any circumstances, dictate a position to units, members, or parents."

Smith said the change could be announced as early as next week, after BSA's national board concludes a regularly scheduled meeting on Feb. 6. The meeting will be closed to the public.

The BSA, which celebrated its 100th anniversary in 2010, has long excluded both gays and atheists. Smith said a change in the policy toward atheists was not being considered, and that the BSA continued to view "Duty to God" as one of its basic principles.

Protests over the no-gays policy gained momentum in 2000, when the U.S. Supreme Court upheld the BSA's right to exclude gays. Scout units lost sponsorships by public schools and other entities that adhered to nondiscrimination policies, and several local Scout councils made public their displeasure with the policy.

More recently, pressure surfaced on the Scouts' own national executive board. Two high-powered members ? Ernst & Young CEO James Turley and AT&T CEO Randall Stephenson ? indicated they would try to work from within to change the membership policy, which stood in contrast to their own companies' non-discrimination policies.

Amid petition campaigns, shipping giant UPS Inc. and drug-manufacturer Merck announced that they were halting donations from their charitable foundations to the Boy Scouts as long as the no-gays policy was in force.

Also, local Scout officials drew widespread criticism in recent months for ousting Jennifer Tyrrell, a lesbian mom, as a den leader of her son's Cub Scout pack in Ohio and for refusing to approve an Eagle Scout application by Ryan Andresen, a California teen who came out as gay last fall.

Tyrrell said she's thrilled for parents and their children who've been excluded from scouting and "for those who are in Scouts and hiding who they are."

"For me it's not just about the Boy Scouts of America, it's about equality," she told The Associated Press. "This is a step toward equality in all aspects."

Many of the protest campaigns, including one seeking Tyrrell's reinstatement, had been waged with help from the Gay & Lesbian Alliance Against Defamation.

"The Boy Scouts of America have heard from scouts, corporations and millions of Americans that discriminating against gay scouts and scout leaders is wrong," said Herndon Graddick, GLAAD's president. "Scouting is a valuable institution, and this change will only strengthen its core principles of fairness and respect."

Among those urging the Boy Scouts to keep the no-gays policy was Tony Perkins, president of the conservative Family Research Council.

"The Boy Scouts of America board would be making a serious mistake to bow to the strong-arm tactics of LGBT activists and open the organization to homosexuality," Perkins said. "The Boy Scouts should stand firm in their timeless values and respect the right of parents to discuss these sexual topics with their children."

The Scouts had reaffirmed the no-gays policy as recently as last year, and appeared to have strong backing from conservative religious denominations ? notably the Mormons, Roman Catholics and Southern Baptists ? which sponsor large numbers of Scout units. Under the proposed change, they could continue excluding gays.

Prior to Monday's announcement, the BSA conferred with some leaders of these religious groups, including the Rev. Frank Page, who leads the Southern Baptist Executive Committee.

According Roger S. Oldham, a spokesman for the executive committee, Page then wrote to the Scouts "expressing his tremendous dismay at the decision."

"They had been working for months on this proposal and just days before they informed us," Oldham said in a telephone interview. "We would anticipate that there would be a very significant backlash to this as churches reevaluate whether scouting comports with."

If the Scouts proceed with the change, Oldham said, SBC leaders were likely to issue a statement "expressing disappointed and encouraging our churches to support alternative boys organizations."

Neither the Catholic Church nor the Mormons' Church of Jesus Christ of Latter-day Saints issued official statements as to how they would respond.

Said Sister Mary Ann Walsh, a spokeswoman for the U.S. Conference of Catholic Bishops, "The bishops hope the Boy Scouts will continue to work under the Judeo-Christians principles upon which they were founded and under which they have served youth well."

Were the change adopted, said Deron Smith, "there would no longer be any national policy regarding sexual orientation, and the chartered organizations that oversee and deliver Scouting would accept membership and select leaders consistent with each organization's mission, principles, or religious beliefs.

"BSA members and parents would be able to choose a local unit that best meets the needs of their families," he said. "Under this proposed policy, the BSA would not require any chartered organization to act in ways inconsistent with that organization's mission, principles, or religious beliefs."

The announcement came shortly after new data showed that membership in the Cub Scouts ? the BSA's biggest division ? dropped sharply last year, and was down nearly 30 percent over the past 14 years.

According to figures provided by the organization, Cub Scout ranks dwindled by 3.4 percent, from 1,583,166 in 2011 to 1,528,673 in 2012. That's down from 2.17 million in 1998.

The Boy Scouts attribute the decline largely to broad social changes, including the allure of video games and the proliferation of youth sports leagues and other options for after-school activities.

However, critics of the Scouts suggest that its recruitment efforts have been hampered by high-profile controversies ? notably the court-ordered release of files dealing with sex abuse allegations and persistent protests over the no-gays policy.

The BSA's overall "traditional youth membership" ? Cub Scouts, Boy Scouts and Venturers ? totaled 2,658,794 in 2012, compared to more than 4 million in peak years of the past. There were 910,668 Boy Scouts last year, a tiny increase from 2011, while the ranks of Venturers ? a program for youths 14 and older? declined by 5.5 percent.

In addition to flak over the no-gays policy, the Scouts have been buffeted by multiple court cases related to past allegations of sexual abuse by Scout leaders, including those chronicled in long-confidential records that are widely known as the "perversion files."

Through various cases, the Scouts have been forced to reveal files dating from the 1960s to 1991. They detailed numerous cases where abuse claims were made and Boy Scout officials never alerted authorities and sometimes actively sought to protect the accused.

The Scouts are now under a California court order, affirmed this month by the state Supreme Court, to turn over sex-abuse files from 1991 through 2011 to the lawyers for a former Scout who claims a leader molested him in 2007, when he was 13. It's not clear how soon the files might become public.

The BSA has apologized for past lapses and cover-ups, and has stressed the steps taken to improve youth protection policy. Since 2010, for example, it has mandated that any suspected abuse be reported to police.

___

Associated Press writers John Seewer in Toledo, Ohio, and Rachel Zoll in New York contributed to this report.

___

Boy Scouts: http://www.scouting.org/

___

David Crary can be reached at http://twitter.com/CraryAP

Associated Press

Source: http://hosted2.ap.org/apdefault/3d281c11a96b4ad082fe88aa0db04305/Article_2013-01-28-Boy%20Scouts-Gays/id-b906a1f5c739428ebddba668356e3bf3

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TaxACT Deluxe Online

By Kathy Yakal

2nd Story Software has had the distinction over the last several years of being the only personal income tax-prep provider that offers a free version that is the same as its paid version in terms of actual tax preparation tools. The free version of TaxACT Deluxe Online only lacks some found extras found in the paid version, such as an import tool, donation tracker, and calculators (none of which I even used in my evaluation). But if you don't need to file a state return, you can prepare and print or e-file your IRS 1040 forms and schedules absolutely free.

It's for this reason that I said last year and will say again this year: The TaxACT site should be your first stop when you're getting ready to endure your annual tax ordeal. Jump to the topics that you think are the most complex in your return and see how the site handles them. If the forms you need are supported?TaxACT includes all of the most common and many that are used less frequently?and the depth of guidance is acceptable, you don't have to look any further.

Lest you think this is a gimmick designed to market a lot of other products and services to you, or that TaxACT is a second-rate site published by a fly-by-night company, know that it's neither. TaxACT has been around for as long as its competitors, though in its earlier years it was known as Personal TaxEdge and published by a different company (some of the principals moved forward with the product and kept it going under a new name). There's no catch. TaxACT Deluxe Online is a solid rival for the other sites reviewed here. It just happens to be free.

Almost a Carbon Copy
Like its competitors, TaxACT looks and works much like the 2011 version did, with one big difference: TaxTutor Guidance, which comes from renowned tax resource J.K. Lasser, has been rewritten to be clearer and simpler. This was one of TaxACT's weaknesses, so the change was welcome. Beyond that, the company is now offering an audit insurance plan ? similar to competitors' ? for $39.95. And 2nd Story Software is branching out a bit; it will produce an inexpensive service for creating your own will.

TaxACT Deluxe Online does practically everything TurboTax Deluxe Online?and H&R Block At Home Deluxe Online?do. Besides supporting a comparable number of forms and schedules and incorporating new tax laws since last year, it walks you through an interview-like process ("Q&A") rather than making you enter data on IRS documents. It asks you simple, clear questions about everything that needs to be on those official forms. There are often several questions on each screen, and you simply enter information in fields or select options from lists or check boxes to answer them.

You advance forward and backward by clicking buttons. TaxACT doesn't force you to complete the screens in order like H&R Block At Home Deluxe Online does. And when you come across particularly complex topics, all of these sites offer the option of taking a more directed, simplified route.

In the background, TaxACT transfers those responses to the correct lines on the 1040 and its assorted forms and schedules. When you're done, TaxACT combs through your return and alerts you to anything that's missing or seems incorrect. After you've fixed anything necessary, what comes out when you click "Print" is the actual IRS forms filled out with the information you provided. You can also file your return electronically at no cost.

Source: http://feedproxy.google.com/~r/ziffdavis/pcmag/~3/AEsUWegQR40/0,2817,2414608,00.asp

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Tina Maze wins slalom before home fans in Slovenia

MARIBOR, Slovenia (AP) ? Overall World Cup leader Tina Maze rebounded from a close loss with an emphatic slalom victory before her home fans Sunday. The Slovenian has now won in four disciplines this season.

Maze, who lost Saturday's giant slalom by 0.08 seconds to Lindsey Vonn, led after the opening run and finished her two runs in 1 minute, 33.68 seconds down the Radvanje course.

"It's so amazing to win here," said Maze, who celebrated with a cartwheel with her ski boots on. "Everybody is cheering for me."

Frida Hansdotter of Sweden finished second, a distant 0.86 seconds behind. Kathrin Zettel of Austria was third, 1.13 back.

American teenager Mikaela Shiffrin moved up from 13th after the opening run to finish sixth and maintained a 13-point lead ahead of Maze in the slalom standings.

The 17-year-old Shiffrin had won the past two slaloms and has three wins overall this season. In the opening run, she was fastest in the top section and second fastest in the last section, but U.S. coach Alex Hoedlmoser said she had three big mistakes in the middle.

Vonn finished 36th in the first run and failed to qualify for the second leg. Both runs were held in clear conditions, with the temperature below freezing.

In the overall standings, Maze has more than twice as many points as her nearest challenger, Maria Hoefl-Riesch, the Olympic slalom champion who went out in the first run.

Maze leads Hoefl-Riesch 1,654-806, and Vonn is third with 740 points.

Vonn won two slaloms four seasons ago, but the event has become her weakest discipline. She hadn't even entered a slalom since last season's World Cup finals.

It was Maze's seventh win of the season and first in slalom. She now needs only a downhill win to hold victories in all five disciplines this season.

Only two women have won in all five disciplines in a season ? Austria's Petra Kronberger in 1990-91 and Croatia's Janica Kostelic in 2005-06. The only man to do it was Marc Girardelli in 1988-89.

Maze's super-G win in St. Anton two weeks ago gave her wins in each discipline over her career.

"Tina is sensational this season," Zettel said. "She has shown her class here once again."

A special city event is scheduled for Moscow on Tuesday, the last race before the Feb. 5-17 world championships in Schladming, Austria.

Only two more traditional slaloms remain this season, although the parallel city event ? a mix between slalom and giant slalom ? also counts toward the slalom standings.

Source: http://news.yahoo.com/tina-maze-wins-slalom-home-fans-slovenia-152022761--spt.html

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Carnival of Personal Finance #397 - Favorite Superbowl ...

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Welcome to My Personal Finance Journey! If you are new here, please read the "About" or "First-Time Visitor" pages to find out more about us. If you would like to receive free updates on articles like this by email, then sign up here or you can?subscribe to the RSS feed. Also, check us out on Twitter or Facebook. Thanks for visiting! Keep on learning!
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Click here?to enter my free $51.95 giveaway for a chance to win 5% of My Personal Finance Journey blog income and give another 5% to a charity of your choosing! Deadline to enter is January 31st, 2013.

Welcome to this week's?Carnival of Personal Finance, a weekly listing of the top personal finance articles around the blogosphere in the following categories - taxes, money management, investing, career, debt, frugality, credit, economy, finance, real estate, saving, and budgeting.

With the Superbowl being only a little less than a week away, the theme for this week's carnival is a listing of several of my favorite commercials (available on YouTube) from this event over the past few years! Even if you're like me and are not the biggest football fanatic, we all love the Superbowl commercials, right?!?

As you may have noticed, there was no Carnival of Personal Finance last week due to a scheduling mix-up. Therefore, we are doubling up in this edition, so you might see a couple blogs with multiple articles listed in order to catch us up (around 80 posts total - hence the name, MONSTER edition!). I hope you enjoy the posts and that you can stop by My Personal Finance Journey on my non-carnival days as well!

Listed below are this week's top 5 editor's picks. Congrats to the five winners! Some truly great articles here!

1. Peter from Bible Money Matters presents?How to Save Money On Just About All of Your Regular Monthly Bills, and says, "Today I thought I?d look at some of the main areas of spending that people have every month ? their regular monthly bills. Often people take those monthly bills for granted, not even thinking about how they can save money on those regular expenditures, just taking it on faith that they can?t get those bills any lower." 2. Roger Wohlner from The Chicago Financial Planner presents?Life Insurance as a Retirement Savings Vehicle ? A Good Idea?, and says, "If approached by someone trying to convince you to use life insurance as an investment vehicle for retirement or any other purpose be very leery and ask many questions. Make sure this is a good deal for you and not just for the rep trying to sell you the policy." 3. Harry Campbell from Your Personal Finance Pro presents?Is Restaurant Week Even a Good Deal?, and says, "Have you heard of restaurant week? Most large metropolitan cities have some form of it, but the general idea is that you pay a discounted rate for a three course price fixed dinner at a top restaurant in your city. In San Diego, the options are for $20/$30/$40 dinners at over 150 restaurants. There are obviously quite a few options and three courses for $20-$40 may sound like a good deal but I?m here to tell you, it?s not." 5. MyFIJourney from My Journey to Financial Independence presents?Man Up and Admit Your Money Mistakes In Order to Learn and Improve, and says, "It's fun to talk about our success with money. How much we saved, or how much our investments have risen in cost. But equally important is to admit our failures so that we can learn from them. Here, I provide a roll call of my biggest financial blunders from having no budget to failed investments. Hopefully everyone can learn something from my mistakes."

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Favorite Superbowl Commercial #1

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And, listed below are the rest of this week's great article?submissions.?

Michael from Financial Ramblings presents Should You Pay for Your Kid?s College?, and says, "You might think that paying for your kids college helps them out by relieving the pressure to work while going to school. But you might be wrong..."
Adam from Adam Hagerman - Financial Coach presents Behold The Power of Compound Interest, and says, "When people ask me what my first piece of advice would be regarding personal finance, I always say ?spend less than you earn?. However, I always have to add in a second piece of advice on compound interest. If people understood the power of compound interest, I can guarantee you that they would be saving more earlier on in life."
Jeff Rose from Good Financial Cents presents 4 Practical Money Skills You MUST Teach Your Children, and says, "One of the best things you can teach your children is the skill of money management. Here's the most basic practical money skills that everyone should have and how to teach them to your children."


Michal from Dough Roller presents How To Max Out Your Retirement Savings, and says, "Max out your retirement savings with these 7 tips"
Andy from Saving to Invest presents How Tax Refunds Are Spent and Received, and says, "With an average of $854 spent during the holidays and an average consumer credit card debt of $8,721, income tax refunds are a big source of funds to meet debt obligations. "
Michael Kitces from Nerd's Eye View presents An Efficient Solution To Implement Intra-Family Mortgage Loan Strategies, and says, "In this difficult borrowing environment, some potential homebuyers have found the best way to finance a purchase is not from a major commercial bank, but from the "family bank" instead through an intra-family loan. And as long as IRS guidelines are followed, the transaction can be remarkably appealing for the borrower - and a way for parents to earn a higher return while keeping the money in the family!"
Paula @ Afford Anything from Afford Anything presents Myth: Only Rich People Invest, and says, "Rich is the result of, not the prerequisite to, investing."
Dividend Growth Investor from Dividend Growth Investor presents The Dividend Kings List Keeps Expanding, and says, "The following companies have each managed to increase dividends for over 50 consecutive years in a row. This is particularly interesting, since this period covered several recessions, a few oil shocks and one embargo, a few wars, inflation and a lot of change in the global economy. These companies not only managed to prosper during that tumultuous period, by adapting and embracing change, but also did not forget to reward their loyal shareholders with a dividend raise. "
Pauline from Reach Financial Independence presents 13 money resolutions for 2013: Enjoy!, and says, "This is the last post of the 13 money resolutions for 2013 series. Once your finances are in order, it is time to use money to enjoy life. Many people have a hard time finding the right balance between saving and spending, especially the frugal ones. Money is meant to be spent on things that make you happy."
Emily Reeves Grammer from the pastor and the bartender presents $794.87, and says, "This article details our home-buying process and offers tips on how to buy within your budget."
Emily from PT Money Personal Finance presents Why Millennials Are Delaying Homeownership, and says, "There are multiple reasons you're not seeing many twentysomethings purchasing homes. And chances are, you won't see those numbers increase anytime in the near future either."
Ray @ Financial Highway from Financial Highway presents RRSP Deadline 2013 ? Limits & Options, and says, "The RRSP season is upon us! Every bank, every bank branch and every teller will remind you to contribute to your RRSP before the deadline. If you have a financial advisor, they have probably already contacted about your RRSP contribution. With so many people vying for your RRSP contributions, who should you trust?"
Nicole from Grumpy Rumblings of the Half-Tenured presents Delaying gratification, and says, "Nicole and Maggie discuss a simple trick to keep up your willpower for saving. Tell yourself you can have it later."
Kristen from My Dollar Plan presents 11 Free or Cheap Winter Activities at Home, and says, "The warm weather makes it easy to keep busy without spending a ton of money but what about when it's cold outside? We have some ideas!"
Eric from Narrow Bridge Finance presents Getting Going on Retirement Savings, and says, "We all want the ability to retire at some point in our lives. While the definition of retirement may be different for some of us, we want financial freedom when we are older to do what we want."
PK from Don't Quit Your Day Job... presents Basel Equity and Its Impact on Banking and Lending, and says, "Most of the world may have their eye on Davos, but Cameron has his eye on a different part of the country... Basel. 'Basel' is shorthand for a number of treaties and 'suggestions' for bank leverage - and Cameron wonders what that means for you."

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Favorite Superbowl Commercial #2

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Glen Craig from Free From Broke presents?The Best 0% Balance Transfer Credit Cards 2013, and says, "Pay off your credit card debt faster with the a 0% balance transfer credit card. Here are the best 0% balance transfer credit cards that will help you pay down your principal.

Big Cajun Man from THE Canadian Personal Finance Blog presents?Voo Doo Emergency Funds, and says, "Where is your emergency fund, and is it safe?"

Jon from Novel Investor presents?How To Save More Money Now, and says, "Savings is the foundation of a successful financial plan. That is why many of us want to save more money now. The hard part is knowing where to start."

Lazy Man from Lazy Man and Money presents?Unemployment Adventures: Jobs Aren't the Same Anymore, and says, "The recession has changed things in ways we didn't imagine. As in any situation, survival boils down to who can adapt, not who is best at the status quo. Like Dory in Finding Nemo says, just keep swimming."

Investor Junkie from Investor Junkie presents?Is It Possible You Are Saving Too Much for Retirement?, and says, "Though I don?t plan on formally retiring really ever (that is a topic of a whole other post), it is possible to be lopsided and have too much in retirement accounts and not enough in taxable investments. With retirement accounts it?s possible you are saving money on taxes now, only to get walloped with a bigger tax bill in the future."

Peter from Bible Money Matters presents?Maxing Out Your Investment Accounts: How Much Can You Contribute and Invest This Year?, and says, "If you do want to max out your contributions to your Roth or Traditional IRA ? or your 401k type accounts, it?s best to plan ahead and plan on making regular deposits throughout the year to fund your account. When you make the contributions in small amounts with each paycheck it really doesn?t hurt as much."

Revanche from A Gai Shan Life presents?Disaster Insurance: Hurricanes, earthquakes, and floods!, and says, "Not everyone lives in natural disaster hot zones but sometimes even those of us who do can use a reminder of what we're meant to be prepared for, and how to protect ourselves. "

Miss T. from Prairie Eco Thrifter presents?Are You Financially Ready for Kids?, and says, "If you?re someone who is contemplating having a child, it is definitely a responsible question to ask yourself ?Am I financially ready to have kids?? Before you answer, here are five other questions to ponder that will help to provide you with the clarity that you seek:"

Jon Rhodes from Affiliate Help presents?How To Save Money AND Improve Your Life, and says, "Often when you make a financial saving your life suffers in some way. This article explores the possibility of not only making financial savings, but also having these actually improve your standard of living."

Dan from ETF Base presents?The 8 Largest ETFs on Earth, and says, "Here's a review of the 8 largest ETFs on earth. Important info! Ticker symbols, assets and expense ratios."

Mochi and Macarons from The Budgeting Tool presents?Could having too much money make you suicidal?, and says, "Could having too much money make you suicidal? A study shows that people who live in richer neighbourhoods tend to commit more suicide. Is it related to living in those rich neighbourhoods? To money? To jealousy or not having money? All interesting things to think about."

Kurt Fischer from Money Counselor presents?Can You Freefile?, and says, "If your Adjusted Gross Income is under $57,000, there's no need to buy your own tax preparation software. Check out Freefile instead."

Lance from Money Life and More presents?Debt Pay Off Updated - January 2013, and says, "In December 2012 we decided it was time to open up to you, my readers, and gave our very first debt update. As a quick review, I originally wrote Our Debt Pay Down Strategy to explain where my girlfriend and I are in terms of debt. Currently we only owe for her student loans and the townhouse mortgage."
Rohit from The Money Mail presents?What assets to use to produce passive income?, and says, "Looking for ways to make money without working for it? Welcome to the world of passive income. In this article I cover the various assets that you can use to produce passive income. Some of these assets classes have existed since a long time and some of these are fairly new. Generating passive income is difficult but you can work towards it to have a steady cash flow when you retire. If you can do it before retirement age, then you can even retire early.
Nicole from Grumpy Rumblings of the Half-Tenured presents?Consumption value of chores, and says, "Is a weekend spent doing chores instead of spending money out wasted? Nicole and Maggie discuss how you spend your time depends on what your individual utility function and budget constraints are."

Jeff Rose from Good Financial Cents presents?IRA Contribution Deadline, and says, "Taxpayers will have until Monday, April 15 to make their 2012 IRA contributions. Even if you are just now opening an account you want to contribute toward last year first. Once the deadline passes you cannot contribute for that tax year in the future."

Khaleef Crumbley from Faithful With A Few presents?Discovering the Right Business for You, and says, "With the economy showing little hopes of improving greatly, more people are looking to start their own business Here?s how to discover the right one for you!"

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Favorite Superbowl Commercial #3

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SB from One Cent at a Time presents?Truecost of buying home- other hidden expenses, and says, "There are sizable hidden costs associated with home buying which may inflate your buying price up to 5%. Know these costs before looking for a new home and save more money to?provision for these costs as well. "

DPF from Digital Personal Finance presents?How Frequently Should You Check Your Investments?, and says, "Sometimes, we all have our obsessions. When it comes to investment performance, there are many people who are obsessed with checking on stocks daily - or even hourly. This post discusses what might actually make sense for most of us."

TTMK from Tie the Money Knot presents?Should Money Make Someone Attractive?, and says, "As the saying goes, money isn't everything? However, for many, having money can make a person very attractive in the eyes of some people. This post starts an open discussion of just how important should it really be, and in what way."

Ray from Squirrelers presents?Drink Tap Water to Save Money, and says, "People spend a lot of money annually on drinks of all kinds. I've been there. What about drinking more water - tap water - to save money while being healthy?"

Pauline from Reach Financial Independence presents?13 money resolutions for 2013: #8 be happy!, and says, "We live in a world where we always want more, and never have enough. Reflecting on what you have and being content about your current situation will help you limit your spending, and achieve further money goals quickly."

Jon from Novel Investor presents?Fiscal Cliff Tax Changes That Impact Your Return, and says, "The Fiscal Cliff tax changes retroactively restores several tax credits and deductions for the 2012 tax year that could impact your 2013 tax returns."

Michael @ Excess Return from Excess Return presents?Why A Strong Dollar Will Be Bad For Your Portfolio, and says, "Interest rates are low. Quantitative easing measures, pumping hundreds of millions of dollars into the American economy, are high. The fed has, for years, been following a course of flushing the dollar down the pan"

Lazy Man from Lazy Man and Money presents?Exposing the MLM Tool ScamWorld (with Bonus: Neucopia Scam Analysis), and says, "I got an email recently suggesting that I expose a dark underbelly of the dark underbelly known as MLM. When it comes to MLM, it's probably more appropriate to call it an onion of evil. You pull off one layer and there's another one underneath. I've written before about The Business of MLM (or What Gives Freddy Krueger Nightmares). What I forgot to mention in that article is the MLM tool scams... which is like inviting Jason Voorhees and Michael Myers to the party."

PK from Don't Quit Your Day Job... presents?2012 S&P Return, and says, "Comparing apples to apples is the name of the game when it comes to investing. When using the S&P 500 for comparison, you should use the 'total return' index - which factors in dividend reinvestment. Here's how much of a difference it made in 2012."

Young from Young and Thrifty presents?Passive Income: How to Get It, and says, "I had a wise friend once tell me that no one really can become wealthy through their day job, and that people usually become wealthy through money that they put away from their day job, through passive income."

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Teacher Man from My University Money presents?Goals for 2013, and says, "With everyone talking up their goals for the New Year, I figure I?d better jump on board here before the train leaves the station."


Pat S from compounding returns presents?Investing Basics: Understand Your Company, and says, "Investing Basics: Peter Lynch Style"


Edward Antrobus from Edward Antrobus presents?How to Save Money Shaving, and says, "Shaving can be an expensive part of your personal hygiene routine. Ignore the marketing hype and learn how to save over 25% on your shaving needs."

Miss T. from Prairie Eco Thrifter presents?The Difference Between Looking Rich and Being Rich, and says, "The reality is that they only look rich to outside observers. It probably doesn?t occur to these outside observers, and probably not even to many of these men?s friends, that these guys aren?t rich. Their so-called wealth is actually debt."


The Happy Homeowner from The Happy Homeowner presents?Yes, My Boyfriend is Paying Me Rent, and says, "My boyfriend recently moved into my condo and I'm definitely charging him rent. In fact, we're splitting everything down the middle. Read more to find out why!"


Grayson from Debt RoundUp presents?The Day My Personal and Financial Life Changed, and says, "I never knew how much my life would change until my son was born. I realized that I would have to tighten my budget and learn about all of the proper savings avenues in order to provide financial security for my family."


Eric from Narrow Bridge Finance presents?What Does My Credit Score Mean?, and says, "A common saying tells us that our credit score is the only grade that matters after we graduate from school. It is used for new credit, mortgage loans, phone accounts, job applications, and even dating. If it is so important, it is a good idea that you understand it."


Colin Williams from humble savers presents?What Is The Real Cost Of Coffee, Snacks And Lunch To You?, and says, "This post includes a Free calculator that will instantly tell you how much money you are really spending on coffee, snacks and just about any other items.?It highlights how much money you could have if you saved it instead. For an example, your daily cup of coffee can easily cost you more than $90,000"

eemusings from NZ Muse presents?The dangers of recommending a friend for a job, and says, "Mixing work and friendship - is it a good idea?"

Neal Frankle from Wealth Pilgrim presents An Easy Budgeting Process That Works, and says, "Just about everyone I know has a budget. But how many have a budgeting process that works? Very few. That?s a shame because a good budget will help you spend less money, enjoy your life more, worry less, have a wonderful retirement and never get into debt. Just about the only thing a good budget won?t do for you is cure the common cold."

Jason Price from One Money Design presents Best Ways to Achieve Your Savings Goals this Year, and says, "Looking to save more money this year? Most people want to achieve savings goals and I'm convinced you can't do it unless you do these three things."

Lance from Money Life and More presents Four Ways to Split Expenses at Home, and says, "Splitting expenses is a often a touchy topic when you?re living with a significant other, roommates or family. If everyone doesn?t agree it can get pretty nasty fast. There are a few ways to split expenses between yourself and those you live with but I?m going to highlight four of the most common ways today."

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Favorite Superbowl Commercial #5

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Well, that concludes this week's edition of the?Carnival of Personal Finance! To all of this week's participants - it was an honor to be able to read and get involved with such high quality articles! Please remember to link back to this post if your article was included here and to promote via social media when possible.

Next week's carnival (#398) is scheduled to take place on February 4th, 2013. Be sure to submit your articles for next week's edition, using the following handy?submission form.

Also,?if you're interested in hosting a future edition of the Carnival of Personal Finance, you can apply using this?form. ?

How about you all? What is your favorite Superbowl commercial of all time?

Source: http://www.mypersonalfinancejourney.com/2013/01/carnival-personal-finance-favorite-superbowl-commercials-edition.html

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Thousands join funerals after deaths in Egypt port city

CAIRO (Reuters) - Gunshots rang out in Port Said on Sunday as people packed the streets for the funerals of 33 protesters killed at the weekend in the city, part of a wave of violence that has compounded challenges facing President Mohamed Mursi.

Some in the crowd chanted for revenge or shouted anti-Mursi slogans and teargas was fired in the vicinity, a witness said by telephone, adding that he heard emergency vehicle sirens after the shots were fired.

"Our soul and blood, we sacrifice to Port Said," people chanted, as the coffins were carried through the streets.

There were no immediate reports of further casualties in the city, where 33 people were killed on Saturday when residents went on the rampage after a court sentenced 21 people, mostly from the city, to death for their role in a deadly stadium disaster in Port Said last year.

Elsewhere in Egypt, police fired teargas at dozens of stone-throwing protesters in Cairo in a fourth day of clashes. Protests in the capital and other cities erupted at the end of last week over what the demonstrators say is a power grab by Islamists two years after Hosni Mubarak was overthrown.

The protesters accuse Mursi, elected in June with the support of his Muslim Brotherhood group, of betraying the democratic goals of the revolution. Since protesters hit the streets on Thursday, 42 people have been killed, most in Port Said and Suez, both cities where the army has now been deployed.

The violence adds to the daunting task facing Mursi as he tries to fix a beleaguered economy and cool tempers before a parliamentary election expected in the next few months which is supposed to cement Egypt's transition to democracy.

It has exposed a deep rift in the nation. Liberals and other opponents accuse Mursi of failing to deliver on economic promises and say he has not lived up to pledges to represent all Egyptians. His backers say the opposition is seeking to topple Egypt's first freely elected leader by undemocratic means.

"BLOOD BEING SPILT"

"None of the revolution's goals have been realised," said Mohamed Sami, a protester in Cairo's Tahrir Square on Sunday.

"Prices are going up. The blood of Egyptians is being spilt in the streets because of neglect and corruption and because the Muslim Brotherhood is ruling Egypt for their own interests."

On a bridge close to Tahrir Square, youths hurled stones at police in riot gear who fired teargas to push them back towards the square, the cauldron of the uprising that erupted on January 25, 2011 and toppled Mubarak 18 days later.

The U.S. and British embassies, both close to Tahrir, said they were closed for public business on Sunday.

The army, Egypt's interim ruler until Mursi's election, was sent back onto the streets to restore order in Port Said and Suez, which both lie on the Suez canal. In Suez, at least eight people were killed in clashes with police.

Egypt's defence minister who also heads the army, Abdel Fattah al-Sissi, called for the nation to stand together and said the military would not prevent peaceful protests. But he called on demonstrators to protect public property.

Many ordinary Egyptians are frustrated by the regular escalations that have hurt the economy and their livelihoods.

"They are not revolutionaries protesting," said taxi driver Kamal Hassan, 30, referring to those gathered in Tahrir. "They are thugs destroying the country."

CALL FOR DIALOGUE

The National Defence Council, headed by Mursi, called on Saturday for national dialogue to discuss political differences.

That offer has been cautiously welcomed by the opposition National Salvation Front. But the coalition has demanded a clear agenda and guarantees that any agreements will be implemented.

The Front, formed late last year when Mursi provoked protests and violence by expanding his powers and driving through an Islamist-tinged constitution, has threatened to boycott the parliamentary poll and to call for more protests if a list of demands is not met, including having an early presidential vote.

Egypt's transition has been blighted from the outset by political rows and turbulence on the streets that have driven investors out and kept many tourists away, starving the economy of vital sources of hard currency.

Egypt's pound has been hit hard by the turmoil, steadily weakening against the dollar despite efforts by the central bank to slow the fall and preserve foreign reserves now at critical levels. The latest violence has added to investors' concerns.

The Port Said clashes erupted after a judge sentenced 21 men to death for involvement in 74 deaths at a soccer match on February 1, 2012 between Cairo's Al Ahly club and the local al-Masri team. Many of the victims were fans of the visiting team.

There were 73 defendants in the case. Those not sentenced on Saturday will face a verdict on March 9, the judge said.

Al Ahly fans cheered the verdict after threatening action if the death penalty was not meted out. But Port Said residents were furious that people from their city were held responsible.

Source: http://news.yahoo.com/riots-over-egyptian-death-sentences-kill-least-32-081720840.html

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Imaginarium Designs: Goodbye Adriana and welcome Sandrine and ...

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Hello Everyone

Did you enjoy our blog hop on Australia Day. Thanks for all the lovely comments left on our blog. Nat will be choosing a winner.

Today we get to say goodbye to another of our design team from 2012.

Adriana?is another South Aussie Lady from my home town. I love her work. She does vintage so well. Adriana is a master at using colour and her work is always beautiful.

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This layout is a perfect example of Adriana's work. Just look at all the detail she has added to her page.

She also does altered art projects so well. I love this little billboard, Adriana did.? She has done some amazing work for us last year. I will miss her from our team. I know she has lots planned for this year and I wish her all the best in what ever venture she does.

Now its time to introduce you to Sandrine Dawes.

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Here is what she had to say about herself.

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"Now a little bit about myself: I live in a small country town called Roma in QLD, I am married with a 6 year old boy and a 2 year old daughter. I run a mechanical workshop with my husband where I work full time. I enjoy the country lifestyle as I originally come from a tiny village in the North of France! I met my husband overseas and he was from Roma! Photography and scrapbooking are a big part of my life, I really enjoy the creative release it provides!!! I also really enjoy traveling, visiting new places with my family. I have been scrapbooking since end of 2006 thanks to a friend who showed me her work. My style is vintage with a splash of grungy elements, I do love inks and stamps and circles!!! I mainly get my inspiration from my children and the photos, the papers, colour scheme etc. I sometimes start a layout with a new technique in mind, I do love to use products creatively especially chipboard! I am currently on 3 Design Teams: Scrapping Outback, Fat Cats Card Corner and Meg?s Garden. "

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I am sure you are going to love all Sandrine's work this year. I can't wait to share her work here with you all.

To see more of Sandrine's work, visit her blog

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Now it's time to re-introduce Carole Maurin to you.

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Here is what she had to say about herself, when she applied for our team last year.

"I?like to use chipboards in all differents ways i can, as you could see on my blog: just like they are, with paint, papers, glitter, embossing powder and more. I also like to find new ideas or misuse of chipboards.

I'm an eclectic scapper! I can scrap any kind of stuffs, any style, any colors! I like to try new stuffs, to share my art with people. Scrapbooking is my passion since 7 years and i am already a proud designer in many DT."

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You can see from Carol's layout her love of eclectic. It shows in all her work. She also has a great eye for colour and design. I always love seeing what she comes up with. She is from France and I find her work as a real chic look to it!?

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Again an other lovely layout from Carol, I love the simplicity of this layout and the way she has put it all together.

I know you are going to love Carol's work this year as she shares her projects with us all.

to see more of her work visit Carol's Blog

Well that it for today, I still have more ladies to introduce to you over the rest of this week

so make sure you visit and leave a comment for the ladies. I will be choosing one person from each post to win some chipboard to play with.

thanks for looking

Jane

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Source: http://imaginariumdesigns.blogspot.com/2013/01/goodbye-adriana-and-welcome-sandrine.html

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Find Happiness 58: Adopt Forgiveness Now

Most life coaches, spiritual guides and religious teachers advocate forgiveness as one of the important characteristics one should adopt for self-improvement.

Why?

Consider a situation where you do not forgive someone: someone has just cheated you, someone whom you had always trusted, someone whom you thought always had your welfare at heart. Ouch!

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In the extreme case, you would decide to get even with the person.

This could entail the following actions and consequences:

1.	You might spend time planning on how to get even, maybe cumulatively an hour a day. You would obsess on the subject. This would result in a certain amount of stress to your nervous system.
2.	You might stop speaking to the person who cheated you. If you met him face to face, you would turn the other way or look through him. The disadvantage here is that the other person might start considering you an enemy. That apart, you might also need his help someday, and you just ensured that help will not be forthcoming.
3.	You might do something to harm that person. It doesn?t take an Einstein to figure out the downside of that: he might harm you back.
4.	Your mind is something like a house. It has spaces. If you do not forgive,? at least one of those spaces will be occupied by your obsession.? You could very well use this space for a positive, productive pursuit instead? like planning how to enhance your career, serve your family or help others.
5.	Not forgiving the "wrongdoer" might upset your relationships with friends of the wrongdoer. Unless you live alone in a sequestered cave, you need other people?s assistance in your daily life. Burning bridges therefore makes life less easy for you.

On the other hand, if you forgave the person:

The mental space used for obsessing would be feed up and available for more meaningful pursuits There would be less stress on your nervous system The other person might realize you are a loving, kind person and not cheat you again The other person might even want to be like you and change for the better.

I adopted forgiveness as a guiding principle some time back and am very pleased with the effect it has had on me and those around me.

Test it out for yourself and see how it makes your life better!

To your growing peace and happiness,

---

Source: http://calmandcool.com/925/forgiveness.htm

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Hackers claim attack on Justice Department website (reuters)

Share With Friends: | | Politics - Top Stories Stories, RSS Feeds and Widgets via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/279726052?client_source=feed&format=rss

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HIV-like viruses in non-human primates have existed much longer than previously thought

HIV-like viruses in non-human primates have existed much longer than previously thought

Friday, January 25, 2013

Viruses similar to those that cause AIDS in humans were present in non-human primates in Africa at least 5 million years ago and perhaps up to 12 million years ago, according to study published January 24 in the Open Access journal PLOS Pathogens by scientists at Fred Hutchinson Cancer Research Center. Until now, researchers have hypothesized that such viruses originated much more recently.

HIV-1, the virus responsible for AIDS, infiltrated the human population in the early 20th century following multiple transmissions of a similar chimpanzee virus known as SIVcpz. Previous work to determine the age of HIV-like viruses, called lentiviruses, by comparing their genetic blueprints has calculated their origin to be tens of thousands of years ago.

However, other researchers have suspected this time frame to be much too recent. Michael Emerman, Ph.D., a virologist and member of the Human Biology Division at Fred Hutchinson Cancer Research Center, and Alex Compton, a graduate student in the Emerman Lab, describe the use of a technique to estimate the extent to which primates and lentiviruses have coexisted by tracking the changes in a host immunity gene called APOBEC3G that were induced by ancient viral challenges.

They report that this host immunity factor is evolving in tandem with a viral gene that defends the virus against APOBEC3G, which allowed them to determine the minimum age for the association between primates and lentiviruses to be around 5 or 6 million years ago, and possibly up to 12 million years ago.

These findings suggest that HIV-like infections in primates are much older than previously thought, and they have driven selective changes in antiviral genes that have incited an evolutionary arms race that continues to this day. The study also confirms that viruses similar to HIV that are present in various monkey species today are the descendants of ancient pathogens in primates that have shaped how the immune system fights infections.

"More than 40 non-human primate species in sub-Saharan Africa are infected with strains of HIV-related viruses," Emerman said. "Since some of these viruses may have the potential to infect humans as well, it is important to know their origins."

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Public Library of Science: http://www.plos.org

Thanks to Public Library of Science for this article.

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Source: http://www.labspaces.net/126471/HIV_like_viruses_in_non_human_primates_have_existed_much_longer_than_previously_thought

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SOE partners with Major League Gaming for PlanetSide 2 e-sports ...

SOE has partnered with Major League Gaming in order bring the world of competitive e-sports to PlanetSide 2. "Over the next few months, the PlanetSide 2 and MLG teams will work closely to develop ideal competitive gameplay features and settings to showcase the massively multiplayer online first-person shooter," according to a press release.

Neither company has specified what those features and settings might be, but PS2 creative director Matt Higby and SOE CEO John Smedley have long maintained that the firm was developing its sci-fi shooter sequel with an eye on the competitive gaming arena.

SOE and MLG will also collaborate to create original programming, with a broadcast schedule due "in the coming weeks."

Source: http://massively.joystiq.com/2013/01/25/soe-partners-with-major-league-gaming-for-planetside-2-e-sports/

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Geo Vision's New Performance Enhancement Products for Men and ...

BERRYVILLE, Va., Jan. 25, 2013 /PRNewswire/ ? Eagle Financial Services, Inc. (OTC BULLETIN BOARD: EFSI), the holding company for Bank of Clarke County, whose divisions include Eagle Investment Group, announces its 2012 fourth quarter and?record annual profits.? The Company?s common stock is listed for trading on the Over-the-Counter (OTC) Bulletin Board under the ticker symbol EFSI.

Fourth Quarter and Annual 2012 Highlights:

John R. Milleson, President and CEO, stated, ?We are pleased to report two exciting accomplishments during 2012: the Company produced record profits for the year and continued its streak of consecutive dividend increases, a streak unmatched by most financial institutions.? The 2012 dividend of $0.73 per share was the 26^th consecutive year of a dividend increase for the Company.? The year?s record earnings were primarily a result of a very steady and strong net interest margin of 4.47% and lower loan loss provisions.? That level of core earnings afforded the Company the ability to aggressively manage its non-performing assets as well as begin an expansion east into Loudoun County.? The Bank?s twelfth retail branch is currently under construction at 203 Hirst Road in Purcellville, Virginia and will open in April 2013. To branch at a time when many banks are contracting is a strategic initiative of which we want to take full advantage.?

Income Statement Review

Net income for the quarter ended December 31, 2012 was $1.6 million reflecting an increase of 128.1% from the quarter ended December 31, 2011.? Net income was $6.5 million for the year ended December 31, 2012 which represented an increase of 51.5% when compared to net income for the same period in 2011. These increases resulted mostly from reduced interest costs and loan loss provisions.

Net interest income for the quarter ended December 31, 2012 was $5.7 million, which represented a decrease of 3.3% when compared to $5.9 million for the same period in 2011.? Net interest income for the year ended December 31, 2012 was $23.2 million which represented an increase of 1.8% when compared to $22.8 million in 2011.? This increase in net interest income for the year resulted mostly from the decline in the Company?s funding costs.??

Total loan interest income was $5.5 million for the quarter ended December 31, 2012, reflecting a decrease of $305,000 from the quarter ended December 31, 2011.? Total loan interest income was $22.6 million for the year ended December 31, 2012, reflecting a decrease of $440,000 from the year ended December 31, 2011.? Average loans for the quarter ended December 31, 2012 were $420.2 million compared to $409.1 million for the same period in 2011.? Average loans for the year ended December 31, 2012 were $420.8 million compared to $405.8 million for 2011.? The tax equivalent yield on average loans for the quarter ended December 31, 2012 was 5.26%, down 43 basis points from the same time period in 2011.? The tax equivalent yield on average loans for the year ended December 31, 2012 was 5.39%, down 31 basis points from 2011.? Interest income from the investment portfolio was $933,000 thousand for the quarter ended December 31, 2012, reflecting a decrease of 15.6% when compared to $1.1 million for the same period in 2011. Interest income from the investment portfolio was $4.0 million for the year ended December 31, 2012 and $4.5 million for? 2011.?

Total interest expense was $814,000 for the three months ended December 31, 2012 and $1.1 million for three months ended December 31, 2011. Total interest expense for the year ended December 31, 2012 was $3.4 million, representing a decrease of $1.4 million or 29.6% from the year ended December 31, 2011. The average cost of interest bearing liabilities decreased 23 basis points when comparing the quarter ended December 31, 2012 to the same time period in 2011.? The average cost of interest bearing liabilities decreased 31 basis points when comparing the year ended December 31, 2012 to the same time period in 2011.? The average balance of interest bearing liabilities decreased $17.4 million from the quarter ended December 31, 2011 to the same period in 2012.? The average balance of interest bearing liabilities decreased $19.9 million from the year ended December 31, 2011 to the same period in 2012. The decline in interest bearing liabilities for both periods resulted from maturities of wholesale borrowings and time deposits.

The net interest margin was 4.31% for the quarter ended December 31, 2012.? When compared to the quarter ended December 31, 2011, the net interest margin decreased 16 basis points. The net interest margin was 4.47% for the year ended December 31, 2012.? When compared to the year ended December 31, 2011, the net interest margin increased seven basis points. This increase was attributable to the decreased cost of interest bearing liabilities.

The Company?s net interest margin is not a measurement under accounting principles generally accepted in the United States, but it is a common measure used by the financial services industry to determine how profitably earning assets are funded. The Company?s net interest margin is calculated by dividing tax equivalent net interest income by total average earning assets. Tax equivalent net interest income is calculated by grossing up interest income for the amounts that are non-taxable (i.e., municipal income) then subtracting interest expense. The tax rate utilized is 34%.

Noninterest income was $1.5 million for the quarter ended December 31, 2012 and $1.3 million for the same period in 2011.? Noninterest income was $6.1 million for the year ended December 31, 2012 and $5.9 million for the same period in 2011. Increases in service release premiums received from secondary market mortgage activity were the largest contributor to the year?s increase in noninterest income. Noninterest expense was $5.0 million for the quarter ended December 31, 2012 and $5.5 million for the quarter ended December 31, 2011. Noninterest expense was $18.5 million and $19.3 million for the years ended December 31, 2012 and 2011, respectively.??The majority of the decrease in noninterest expense resulted from a one-time adjustment to FDIC assessment expense.? The Company determined that the balance of the Company?s prepaid FDIC insurance was too low and as a result made a $199,000 adjustment to increase the prepaid balance and decrease the corresponding expense in the quarter ended June 30, 2012. ?Decreases in other operating expenses relate to the Company?s efforts to improve efficiency by diligently managing and monitoring its operating expenses.

Asset Quality and Provision for Loan Losses

Provisions for loan losses were $10,000 for the three months ended December 31, 2012, compared to $900,000 for the quarter ended December 31, 2011. Provisions for loan losses were $1.7 million for the year ended December 31, 2012, compared to $3.8 million for the year ended December 31, 2011. The ratio of allowance for loan losses to total loans was 1.57% at December 31, 2012 and 2.13% at December 31, 2011.? The ratio of allowance for loan losses to total nonaccrual loans was 272.5% at December 31, 2012 and 357.0% at December 31, 2011.? The amount of provision for loan losses reflects the results of the Bank?s analysis used to determine the adequacy of the allowance for loan losses.? The decreased provision for the quarter and the year mostly resulted from the decrease in the amount of specific allocations required for impaired loans. During the year, several impaired loan balances were partially charged off while others had been completely charged off and moved to other real estate owned.? At December 31, 2012, impaired loans totaled $15.3 million and had related specific allocations of $2.4 million.? At December 31, 2011, impaired loans totaled $19.9 million and had related specific allocations of $4.2 million.

Nonperforming assets increased slightly from $5.0 million or 0.87% of total assets at December 31, 2011 to $5.6 million or 0.94% of total assets at December 31, 2011. This increase resulted mostly from the increase in other real estate owned. Several loans had been charged off and moved to other real estate owned during the year, including two large commercial real estate loans whose collateral was valued at $853,000 at December 31, 2012.

Total nonaccrual loans totaled $2.4 million at December 31, 2012 and 2011.? During the fourth quarter of 2012, the Bank placed one loan totaling $230,000 on nonaccrual status. Although this loan is unsecured, the majority of the Bank?s other nonaccrual loans are secured by real estate.? Management evaluates the financial condition of these borrowers and the value of any collateral on these loans.? The results of these evaluations are used to estimate the amount of losses which may be realized on the disposition of these nonaccrual loans.? Loans greater than 90 days past due and still accruing increased from $94,000 at December 31, 2011 to $208,000 at December 31, 2012.

The Company realized $1.4 million in net charge-offs for the quarter ended December 31, 2012 versus $48,000 for the same period in 2011. The Company realized $3.8 million in net charge-offs for the year ended December 31, 2012 versus $2.1 for 2011. The 2012 loan charge offs were concentrated in larger balance commercial real estate loans while the 2011 loan charge offs were concentrated in residential real estate. ?The Company continues to operate a troubled credit group to monitor past due loans, identify potential problem credits, and develop action plans to work through its troubled loans as promptly as possible. ?Asset quality remains a primary concern of the Company. Necessary resources continue to be devoted to the ongoing review of the loan portfolio and the workouts of problem assets to minimize any losses to the Company. Management will continue to monitor delinquencies, risk rating changes, charge-offs, market trends and other indicators of risk in the Company?s portfolio, particularly those tied to residential and commercial real estate, and adjust the allowance for loan losses accordingly.

Total Consolidated Assets

Total consolidated assets of the Company at December 31, 2012 were $593.3 million, which represented an increase of $25.3 million or 4.5% from total assets of $568.0 million at December 31, 2011.? Total loans increased $7.7 million from $410.4 million at December 31, 2011 to $418.1 million at December 31, 2012.? Considering the continued low interest rate and competitive market environment, the Company has been conscientious about maintaining both its underwriting standards and its net interest margin and thereby cautious about the growth it has accepted in the loan portfolio.

Deposits and Other Borrowings

Total deposits, which include brokered deposits, increased $28.6 million to $477.1 million at December 31, 2012 from $448.5 million at December 31, 2011. The Company held $9.9 million in brokered deposits at December 31, 2012 and 2011.?

Securities sold under agreement to repurchase were $10.0 million at December 31, 2012 and 2011. Borrowings with the Federal Home Loan Bank of Atlanta were $32.3 million at December 31, 2012 and $42.3 million at December 31, 2011.

Equity

Shareholders? equity was $63.7 million at December 31, 2012 and $58.1 million at December 31, 2011. The book value of the Company at December 31, 2012 was $19.11 per common share. Total common shares outstanding were 3,352,523 at December 31, 2012.? On January 16, 2013, the board of directors declared a $0.19 per common share cash dividend for shareholders of record as of January 28, 2013 and payable on February 15, 2013.

Certain information contained in this discussion may include ?forward-looking statements? within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements relate to the Company?s future operations and are generally identified by phrases such as ?the Company expects,? ?the Company believes? or words of similar import. Although the Company believes that its expectations with respect to the forward-looking statements are based upon reliable assumptions within the bounds of its knowledge of its business and operations, there can be no assurance that actual results, performance or achievements of the Company will not differ materially from any future results, performance or achievements expressed or implied by such forward-looking statements. For details on factors that could affect expectations, see the risk factors and other cautionary language included in the Company?s Annual Report on Form 10-K for the year ended December 31, 2011, and other filings with the Securities and Exchange Commission.

EAGLE FINANCIAL SERVICES, INC.
KEY STATISTICS		For the Three Months Ended
		4Q12		3Q12		2Q12		1Q12		4Q11
Net Income (dollars in thousands)		$ ? ? ? ? ?1,581		$ ? ? ? ? ?1,253		$ ? ? ? ? ?2,002		$ ? ? ? ? ?1,714		$ ? ? ? ? ? ? 693
Earnings per share, basic		$ ? ? ? ? ? ?0.47		$ ? ? ? ? ? ?0.38		$ ? ? ? ? ? ?0.60		$ ? ? ? ? ? ?0.52		$ ? ? ? ? ? ?0.21
Earnings per share, diluted		$ ? ? ? ? ? ?0.47		$ ? ? ? ? ? ?0.37		$ ? ? ? ? ? ?0.60		$ ? ? ? ? ? ?0.25		$ ? ? ? ? ? ?0.21
Return on average total assets		1.08%		0.88%		1.43%		1.23%		0.48%
Return on average total equity		9.95%		8.01%		13.29%		11.74%		4.76%
Dividend payout ratio		40.43%		47.37%		30.00%		34.62%		85.71%
Fee revenue as a percent of total revenue		20.32%		20.40%		20.26%		19.18%		18.53%
Net interest margin(1)		4.31%		4.40%		4.60%		4.56%		4.47%
Yield on average earning assets		4.91%		5.01%		5.23%		5.25%		5.28%
Yield on average interest-bearing liabilities		0.83%		0.85%		0.87%		0.94%		1.07%
Net interest spread		4.08%		4.16%		4.36%		4.31%		4.21%
Tax equivalent adjustment to net interest income (dollars in thousands)		$ ? ? ? ? ? ? 198		$ ? ? ? ? ? ? 200		$ ? ? ? ? ? ? 207		$ ? ? ? ? ? ? 212		$ ? ? ? ? ? ? 214
Non-interest income to average assets		1.05%		1.09%		1.12%		1.06%		0.88%
Non-interest expense to average assets		3.41%		3.20%		3.12%		3.31%		3.73%
Efficiency ratio(2)		60.91%		61.36%		56.96%		61.43%		72.60%
(1)??The net interest margin is calculated by dividing tax equivalent net interest income by total average earning assets. Tax equivalent interest income is calculated by grossing up interest income for the amounts that are non taxable (i.e., municipal income) then subtracting interest expense. The rate utilized is 34%. See the table below for the quarterly tax equivalent net interest income and the reconciliation of net interest income to tax equivalent net interest income. The Company?s net interest margin is a common measure used by the financial service industry to determine how profitable earning assets are funded. Because the Company earns a fair amount of non taxable interest income due to the mix of securities in its investment security portfolio, net interest income for the ratio is calculated on a tax equivalent basis as described above.
(2)? The efficiency ratio is not a measurement under accounting principles generally accepted in the United States. It is calculated by dividing non-interest expense by the sum of tax equivalent net interest income and non-interest income excluding gains and losses on the investment portfolio and sales of repossessed assets. The tax rate utilized is 34%. See the table below for the quarterly tax equivalent net interest income and a reconciliation of net interest income to tax equivalent net interest income. The Company calculates this ratio in order to evaluate its overhead structure or how effectively it is operating. An increase in the ratio from period to period indicates the Company is losing a larger percentage of its income to expenses. The Company believes that the efficiency ratio is a reasonable measure of profitability.

????????

EAGLE FINANCIAL SERVICES, INC.
SELECTED FINANCIAL DATA BY QUARTER
		4Q12		3Q12		2Q12		1Q12		4Q11
BALANCE SHEET RATIOS
	Loans to deposits	87.63%		93.51%		94.36%		92.92%		91.52%
	Average interest-earning assets to
	??? average-interest bearing liabilities	139.30%		139.84%		138.63%		136.42%		132.72%
PER SHARE DATA
	Dividends	$ ? ? ? ? ? ?0.19		$ ? ? ? ? ? ?0.18		$ ? ? ? ? ? ?0.18		$ ? ? ? ? ? ?0.18		$ ? ? ? ? ? 0.18
	Book value	$ ? ? ? ? ?19.11		$ ? ? ? ? ?18.78		$ ? ? ? ? ?18.47		$ ? ? ? ? ?18.05		$ ? ? ? ? 17.67
	Tangible book value	$ ? ? ? ? ?19.11		$ ? ? ? ? ?18.78		$ ? ? ? ? ?18.47		$ ? ? ? ? ?18.05		$ ? ? ? ? 17.67
SHARE PRICE DATA
	Closing price	$ ? ? ? ? ?22.00		$ ? ? ? ? ?21.50		$ ? ? ? ? ?20.10		$ ? ? ? ? ?20.75		$ ? ? ? ? 16.81
	Diluted earnings multiple(1)	11.70		14.53		8.38		9.98		20.01
	Book value multiple(2)	1.15		1.15		1.09		1.15		0.95
COMMON STOCK DATA
	Outstanding shares at end of period	3,352,523		3,344,737		3,337,251		3,320,600		3,300,692
	Weighted average shares outstanding	3,348,630		3,341,050		3,326,999		3,316,005		3,305,189
	Weighted average shares outstanding, diluted	3,359,611		3,352,337		3,337,114		3,321,687		3,312,290
CAPITAL RATIOS
	Total equity to total assets	10.74%		10.94%		10.83%		10.64%		10.23%
CREDIT QUALITY
	Net charge-offs to average loans	0.33%		0.40%		0.13%		0.04%		0.01%
	Total non-performing loans to total loans	0.63%		1.19%		0.43%		0.59%		0.62%
	Total non-performing assets to total assets	0.94%		1.30%		0.71%		0.94%		0.87%
	Non-accrual loans to:
	????? total loans	0.58%		1.19%		0.39%		0.48%		0.60%
	????? total assets	0.41%		0.89%		0.30%		0.36%		0.43%
	Allowance for loan losses to:
	????? total loans	1.57%		1.86%		2.01%		2.13%		2.13%
	???? non-performing assets	118.38%		16.64%		213.78%		168.99%		176.06%
	???? non-accrual loans	272.45%		156.37%		509.93%		445.46%		357.00%
NON-PERFORMING ASSETS:
(dollars in thousands)
	??? Loans delinquent over 90 days	$ ? ? ? ? ? ? 208		$ ? ? ? ? ? ? ? 10		$ ? ? ? ? ? ? 163		$ ? ? ? ? ? ? 449		$ ? ? ? ? ? ? ?94
	??? Non-accrual loans???	2,414		5,091		1,692		1,995		2,449
	??? Other real estate owned and repossessed assets	2,934		2,364		2,181		2,815		2,423
NET LOAN CHARGE-OFFS (RECOVERIES):
(dollars in thousands)
	??? Loans charged off	$ ? ? ? ? ?1,516		$ ? ? ? ? ?1,801		$ ? ? ? ? ? ? 609		$ ? ? ? ? ? ? 237		$ ? ? ? ? ? ?327
	??? (Recoveries)	(122)		(84)		(50)		(81)		(279)
	Net charge-offs (recoveries)	1,394		1,717		559		156		48
PROVISION FOR LOAN LOSSES (dollars in thousands)		$ ? ? ? ? ? ? ? 10		$ ? ? ? ? ?1,050		$ ? ? ? ? ? ? 300		$ ? ? ? ? ? ? 300		$ ? ? ? ? ? ?900
ALLOWANCE FOR LOAN LOSS SUMMARY
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