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When the Crowder Lady 'Riders walked into the locker room at halftime of Monday's NJCAA Division 1 National Tournament game against Redlands Community College, they watched as coach Tina Robbins calmly scribbled out a one-word game plan for them in the second half. It simply said, "RELAX."
SALINA, Kan. — When the Crowder Lady 'Riders walked into the locker room at halftime of Monday's NJCAA Division 1 National Tournament game against Redlands Community College, they watched as coach Tina Robbins calmly scribbled out a one-word game plan for them in the second half. It simply said, "RELAX."
The team laughed. It worked.
In the first half, Crowder looked like a team playing in the national tournament for the first time, missing some easy looks and turning the ball over. But in the second half, the Lady 'Riders looked like a team ready for the bright lights, and they wore Redlands down to pull out a 69-64 victory.
The No. 15 Lady 'Riders (29-5) advanced to take on No. 2 Central Arizona at 1 p.m. on Wednesday at the Bicentennial Center in Salina.
As they have done all season, the Lady 'Riders adapted and overcame some tough breaks on Monday. After leading, 14-10, midway through the first half, Crowder watched as the No. 18 Lady Cougars tore away on a 14-1 run to take a 24-15 advantage. After the second of two 3-pointers by the Lady Cougars capped the run, Robbins called timeout and, oddly, Redlands coach Jay Nieheus called another right as the Lady 'Riders broke to head back on the floor.
Perhaps that extra time gave Crowder the extra gasp of wind it needed as the Lady 'Riders came back on the floor and promptly closed the half on an 11-2 run of their own to tie it at 26 at halftime. The half ended on a huge push from Crowder's Dorian Briggs, who scored the final six points in the span of about a minute to tie it up.
"I think we started really slow," Crowder's Terai Sadler said. "I think nerves had a lot to do with it, we were all kind of shaky and nervous. But after the first half we weren't so nervous, so we came out a lot stronger.
"I think that's what makes us so good is that on any given night anyone can score and step up. Like tonight, everyone stepped up."
The Lady Cougars opened the second half with a bang as a 3-pointer from sophomore Kayla Pahcoddy made it 29-26 in the opening seconds. But that didn't spark the Lady Cougars like it would have in the first half. They eventually grew their advantage to 38-34, but the Lady 'Riders got a quick pair of baskets from sophomore Veronica Amos and then blew up as they took off on a 14-2 run to put themselves in front 46-40.
Redlands then answered with another 3-pointer, but Crowder responded with a 6-0 spurt to make it a nine-point game (52-43) midway through the second half.
They would extend that lead to 60-48 later in the half, and then held on as a late charge by the Lady 'Cougars, who actually cut it to a two-possession game on a jumper by Arielle Cooper (66-62), fell short as Crowder shot 5 of 8 from the free throw line in the final minute.
"I think about the first 15 minutes of the game we were just nervous," Robbins said. "We didn't play like we normally play. I thought once we relax we would be able to play the way we normally play, and I think they did that in the second half.
"We've talked about it all week coming in, the atmosphere and everything, but until you get out there and experience it you're going to have that nervousness. I think once they settled down they were finally able to start playing the way they're capable of playing."
Sadler led the team with 21 points and nine rebounds, but played exceptionally better in the second half after, as she admitted, she was able to calm her nerves at halftime. Sadler scored 13 points in the second half.
Caprese Marshall and Veronica Amos each finished with 14 points for Crowder, while Amos, who was a force off the bench on both sides of the ball, added 11 rebounds. Camila Lacerda chipped in six points, while Chloe Nichols, Megan Ritter and Seleena Neal all had two apiece.
As this team continues to fight on, Sadler assured that the Lady 'Riders weren't prepared to end their season on Monday.
"Oh no, we weren't done," Sadler said. "and we're still not done."


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Orrin Hatch's Other Ridiculous Copyright Bill Passes The Senate
from the snuck-it-in... dept
It seems that Orrin Hatch is involved in just about every bizarre anti-consumer, pro-Hollywood piece of legislation these days. Just days after introducing his absolutely ridiculous and dangerous INDUCE act, Hatch's PIRATE Act has passed the Senate without debate and via a voice vote, so there's no record of which of your Senators just agreed to take your tax money to fight Hollywood's battles. If you don't remember, the PIRATE Act would let the FBI work on civil cases against copyright infringers. In other words, cases that should be between two private parties, will now be handled by the federal government, using your tax money. There's simply no justification for this, other than some Senators wanting to pay back their entertainment industry backers by doing their legal work for them -- using your money.

subset: commoncrawl


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20 Natalie Reid
|Ellicott City, Md.
|High School:
|Notre Dame Prep
2009: Appeared in fourteen games and made 8 starts... Scored first career goal against Boston U. and again in following game against Dartmouth... Collected ten ground balls, won four draw controls, and caused five turnovers. 2008: Saw action in ten games... won three draw controls. 2007: Has appeared in six games ... made varsity debut in season-opening 14-7 win at Fairfield. At Notre Dame Preparatory School: Four sport athlete who competed in lacrosse, field hockey, cross country, and swimming... Received schools First Honors in academics. Personal: Natalie M. Reid is the daughter of Marty and Michele Reid... Former lifeguard... History of Science, History of Medicine major... Berkeley College Resident. FAVORITES
Sports Hero: National Spelling Bee Champions
Sports Hero: National Spelling Bee Champions
Non-Sports Hero: Parents
Celebrity: Jennifer Aniston
Word: Yes
Color: Pink
Movie: The Little Mermaid
Boardgame: Monopoly
CD: Charlie's Angel's Soundtrack
Food: Chocolate Chip Cookies and Reddi Whip
Book: Harry Potter Series, Farewell to Arms
Part of Yale to take advantage of: All of it!
Quote: "You're only here for a short while so don't hurry, don;t worry, and smell the flowers along the way."
Person you'd like to have dinner with: Oprah
If I were a cartoon character I'd be...Stewie
If I were an animal I'd be... Mermaid
If I were an Olympian I would compete in... Ping Pong
Accomplishment most proud of: Getting into Yale.


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Editor: Since March is National Intellectual Disability Month, I wanted to take a moment to share with your readers the joy of giving and getting in return.
Editor: Since March is National Intellectual Disability Month, I wanted to take a moment to share with your readers the joy of giving and getting in return.
One Sunday morning while I was sitting in church, the minister asked the congregation if they had ever had an "ah ha" moment when they experienced the presence of God. I am not sure that I heard the remainder of the sermon that day, as I began searching my memory to identify such a moment in my life.
Through my searching, I realized that I am a blessed person who has a forgiving God, a wonderful husband, a loving family and a job that I enjoy showing up for each day. Yet, I could not recall a time like the minister described. It was not until several months passed by that I found "the moment."
At this time, tears filled my eyes. I was standing at the Special Olympics Spring Games at Central Davidson High School listening to one of the athletes read the Athletes' Oath — "Let me win. But, if I cannot win, let me be brave in the attempt." This oath I have heard many times, but that day I recalled the minister's message clearly. This was my "ah ha" moment.
I recognized what drives my love and compassion for my job as a therapist for intellectually disabled children, as well as the reason I volunteer in Special Olympics. Their enjoyment of life regardless of disability is like an "ah ha" reminder each day how fortunate I am to be a part of their lives. I encourage you to get involved through Special Olympics for your own experience in those "ah ha" moments.
Natalie Little
Gold Hill


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ROCKWALL, TEXAS -- Purchased a brand new 2013 Sportage with 100 miles on it. At 2,200 miles, I had no A/C 5 weeks later.... Took back to dealership and they called and said a rock had chipped my A/C condenser and it would cost me $850 and that it isn't covered under their warranty that they advertise. Which I believe don't nor won't cover anything. Help me find someone who has actually used their Kia warranty. LOL. Called Kia Corp. with a week-long runaround, got nowhere. They really don't care for their consumers. I am fixing the A/C not with the dealership.
I am dedicating my spare time to letting consumers know that if you are shopping for a new car, Kia isn't really the route you should take. Will not be a Kia consumer again.
GEORGIA -- The 10-year 100-thousand-mile warranty isn't worth the paper they print it on. My Sportage at 74 thousand miles needs a new engine. The rod is knocking. I thought they would warranty the work. They informed me that if I didn't have all of my service records, that Kia wasn't going to warranty the work. I now have a JUST paid for car that I can't drive and I now have to put a new engine in it. I think that the car is designed to break down so that you either have to put a ton of money back into their hands with service or buying a new car.
RENO, NEVADA -- I have had the same problems with my Kia Sportage 2000 that everyone on here has had. Only I have had them all happen to my Kiddie Kia. The Kias are not well-made and I have made sure that everyone who has asked me knows that I don't recommend them at all. My lights, wipers, horn, windows, heater and AC would all stop working for about three minutes and then start again. They had to keep my car in the shop for a week to test it out enough.
My problem was fixed finally by replacing the entire starter. Then they had to wait for a month for the Kia dealership to send out the part they needed. Cost me over $300, but the repair shop was nice enough to give me a loaner. A Giant Cadillac for a 4'11" person. But at least I had transportation. Keep in mind this was not a Kia dealership. This was an independent repair shop in WI. I actually had to fight the dealership to get me a loaner until they finished fixing my paint properly.
It bubbled and peeled, and they tried just painting over the peals with cover up paint. I looked it over and was so angry! They had my car for a full day and it was like they put red nail polish on it to touch it up. What kind of fool do they think I am? A girl? Hey wait, I am a girl. Guess we are so stupid after all. In the end, I wound up with a loaner that they had to pay for, for more than two weeks. Then they had the nerve to complain to me that it was taking too long to get the part and they couldn't keep paying for the rental. Too bad. Not my problem. It took them almost four weeks in the end.
Currently my horn does not work. My engine light is always on. It says it is Bank One running too rich and a spark plug is misfiring. I got the expensive tune up, which is $500 through the dealer because they have to take the entire engine apart, so they say, and you would think that would have fixed the problem. However, it didn't. Still has the light on and sometimes off, but it still reads the same problem when analyzed. And every time you start it, the gas smell is overwhelming. The four wheel drive doesn't work, the hoses keep breaking from the metal piece that it is hooked to.
It handles like crap in the snow, unless you have the four-wheel drive, but even then, you can still have some problems. Even in the rain, my tail swerves back and forth. I finally put a 100lb of cement in the back of it, and that helped a lot. Some guy saw my car and said he knew what the problem was with my four-wheel drive because his has the same problem. It is an ongoing one so stock up on the hoses, because it took two months for him to get his in.
I knew about the hoses because my brother told me to buy new ones. When I paid for them, it had been one month and still hadn't gotten them in. So I asked for my money back. Said I was going some place else to buy the part. He said if I find the hoses, call him and let him know where. He had about ten other customers needing the same parts and all of them yelling at him because they were all on back order for over two months by that point. I still don't have the hoses.
Another car repair place said I needed to get the modified vacuum seal hub. My brother fixes cars for a living, and he says this car is a horrible car, in my words. His are swear words. I like my car, and have told her several times it is not her fault, it is the dopes that built her with shotty parts.
And for those of you who feel duped, don't feel too bad. Even the consumer reporters were duped. I investigated this car for a month and had all positive reports on this car with the Consumer Reports. However, now that time has passed, the reports are not so great. Oh, and all the Kia dealers are rude because the manufacturer jerks them around and they have to deal with all the angry customers.
I don't like it either, but the manufacturers are just not doing their job with replacing parts. Not to mention you can't buy a single part for Kia in the stores like Kragen, Pepboys, or any other car part place that is not a dealer. I couldn't even get the right light bulb for my dome light!
And finally, I hate it when people, including the dealers that sell you the cars, say, "You get what you pay for." That is a load of poop! I bought a Ford Festiva, new, for about five grand less, and I NEVER had a single problem in the six years I owned it. Just had to pay for normal, general maintenance, like oil changes and tune ups. I feel it would have kept going good and strong for many, many more years if that creep hadn't run a stop sign with his company truck, on a suspended license. So if you need an inexpensive car, that is good on gas, I would stick with Ford or Dodge. At least the parts can be bought quicker if you need them.
Good luck out there with your Kia and stay safe. P.S. My muffler has fallen off of the exhaust pipe too. In WI, they blamed it on the salt. Since it did it again here in Nevada, they say it is because it is so dry. Whatever, don't buy a Kia. You are asking for headaches.
BELLIARE, OHIO -- I never owned a new car but I purchase the Kia because of the great warranty and offering of the to free loaner car and coffee and donuts with oil changes and the car was just my size. Not hard to drive or park for a woman. My Kia had a Baja package on it.
Well at first, the windows in the car broke and that was about a month after purchase. One at a time, all 3 of the 4 doors. Then I started seeing the motor light coming on, which they said was from the gas cap not being turned a complete 3 twists. When I had a large hill to climb, it smelled like a hair perm, which they said was the new motor. The Baja package rusted within a year and was not from the Kia dealership at all. The car lot had put it on the car.
Now since they canceled my warranty, the motor light and the hold button light stays on all the time. Other garage stations tell me I have to replace the computer in the car. I don't have the money for that. I have had to repair the gas line in the top of the motor. It eats rotors. I don't drive that much.
Most of the miles put on the car was the long trips for servicing and oil changes. I stopped going for the long drives and get it done locally for a lot less. My warranty only lasted about 3.5 yrs and I am still paying the loan off. So much for a new car for me. I am afraid to drive the car that I was hoping to last me the rest of my life. It only has 40,000 miles on it yesterday. I drive about 5 miles daily in it.
NEW YORK -- If you own a 2002 Kia Sportage and don't want to go through the expensive 5-month electrical nightmare that I personally went through, then I would suggest that you take your 2002 Kia Sportage to your local Kia dealer and have them check the electrical wiring that is routed through the rear bumper in a unsafe location.
My personal experience: in January 06, the dashboard lights went out and the front and rear parking lights were not functioning. Brought the car to a local Kia dealer to evaluate and fix the electrical problem. They replaced some burnt out fuses and I picked up the car. Right after I left the dealer and arrived at home, the fuses were burnt out again and I was back to square one. This went on for months without the dealer(s) locating what the problem really was.
Annoyed and frustrated, I brought the car back to the dealer where I bought it from and they finally was able to locate the problem after nine hours of labor tracing the electrical wires from the harness in the front to the rear. Dealer claimed that I was in an accident which I was not or something hit the left side of the rear bumper causing the support bracket to press into the insulation of the electrical wiring causing the metal frame of the car to make contact with the exposed wire and shorting out the fuses.
Dealer refused to process this repair as a warranty and charged me 3 hours of labor at $90.00 per hour. Total bill with taxes: $293.29. Mechanic briefly mentioned that this problem would not happen again, because he rerouted the wires in a safer location in the rear bumper. If this was done when the car was assembled, I never would have had this problem. If you don't want this to happen to you, take your car to a local Kia dealer and have them check your electrical wiring in the rear bumper. It's just a matter of time before you might get hit in the bumper.
I was not hit in the rear bumper or in any kind of accident as the Kia dealer claims, because he saw a small scratch that one would get from a shopping cart brushing against it which does happen at your local shopping centers. Hope this helps everyone who owns a 2002 Kia Sportage and no, I will never buy a Kia again. They are a piece of crappy car and the dealers refuse to honor their 100,000 crappy warranty.
OLATHE, KANSAS -- I was finally in a place to buy a new car. I had always bought used cars in the past. I chose a 2001 Kia Sportage with the 100,000 mile/10-year warranty. I loved my Kia, that is until it hit 100,000. I took better care of this car than I ever did any other. I did all the required service, oil changes, etc. I wanted it to last me for years. I had no reason to think it wouldn't as well as I took care of it, but in the past 6 months since it hit 100,000 miles, I have had to replace the engine, the driver's side door handle broke off in my hand.
Now when I try to go to the bank and roll down the window, the door pops open. The passenger (driver's side) door lock doesn't work, nor will the window roll down. The latch to spring the tire out to open the back door has broken. I can no longer use the back of the car from groceries and storage. I keep wondering what's next. The car is falling apart around me and I haven't even finished paying for it. The used cars I had in the past lasted me 10 years or more and had 250,000 miles on them. The most I ever had break on one of them was to replace a clutch in one. I will never buy a Kia again.
ARIZONA -- I am extremely unhappy with my 2002 Kia Sportage. I purchased the car brand new and it has literally broke down on me 8 times in the last 3 1/2 years. The first time at 11,000 mi in the middle of a busy highway! I have not had any problem taking it to the dealer and having it serviced under warranty - until now. Apparently my service records were adequate enough to have it fixed the first 8 times with no problem, but now that it needs a new engine at 84,000 miles, everyone is scratching their heads "wishing they could help."
Obviously once I passed the 60k mark, the burden of proof that I have not neglected my vehicle has become far greater... But even with my service records, it appears to be a waiting game. The dealer has had my car for almost two weeks and they are still determining if I "qualify." And no one has offered me a rental either. It's a good thing I recently purchased another vehicle because I knew this car was too unreliable. To be fair, my best friend purchased the same car and has not had any major issues with it. It's an absolutely horrible ride at 90k but at least it runs right?
However, for a customer that does have a problem car, it frustrates me that I have become the culprit - not the customer. Because of that, I would never recommend a Kia. FYI, the timing belt has jumped three times, I needed a new sensor, the driver window wouldn't go up all the way, the check engine light continually comes on, grinding noise due to poor pin tension, replaced fan clutch and crank pulley, etc.
VALLEY STREAM, NEW YORK -- I own a 2002 Kia Sportage and am now very unhappy that I even considered buying such a car which is now becoming a nightmare for me. I have a short in the electrical system that the Kia mechanics cannot locate. A fuse is being blown that is related to the dashboard lights and the switch for the headlights to turn off automatically when the engine is shut off instead the headlights stay on and discharges the battery.
Dealer #1 replaced fuse(s) and did not resolve the problem. Dealer #2 replaced fuse(s) again and charged me a $28.00 fee for a car that is under warranty. Brought the car back on a Wednesday and it is now the weekend and guess what, they still don't know what the problem is.
Resolution: if the dealer can't find and fix the problem to my satisfaction, then the car should be classified as a lemon and want compensation to get a new car and let the dealer deal with the piece of crap that I bought brand new in 2002. For everyone's info on this board, Kia had a $10 billion dollar debt before the creditors finally sold Kia to the highest bidder which was Hyundai who owns 51% which has been reduced to 36%. KIA CARS SUCKS.


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Sarah Baker
SEND COMMERCIAL LEASE ANNOUNCEMENTS to Sarah Baker, who can be reached at 521-2464 or email@example.com.
Multiple properties in the Memphis area have traded hands as a result of an auction held by Crye-Leike Auction Services in February.
Kays Nawaf Employee Pension Plan sold three flex warehouse buildings at 4652 Damascus Road, 4660 Damascus Road and 4668 Damascus Road, ranging from 7,450 square feet to 10,160 square feet. There was a published minimum bid of $83,000 each.
An individual investor purchased the buildings at 4652 Damascus Road for $132,000 and 4660 Damascus Road for $124,300, said Bill Caller, principal auctioneer with Crye-Leike.
Meanwhile, 4668 Damascus Road sold to Theodore M. Wilson III and Kimberly A. Wilson III on Tuesday, March 27, for $99,000, according to the Shelby County Register of Deeds. The purchase was financed with a $79,000 mortgage through Community Bank.
Caller said all buyers of the Damascus properties will likely hold onto and lease out each warehouses.
Also, Reaves Family Trust sold nine tracts/wooded lots of the Players Forest Office Park off Players Club Parkway in Quince/Ridgeway's 38119 ZIP code for a combined total of $16,500. The lots within the gated office park range from one-half acre to 1.6 acres.
Last, Serafina Facelli Family Trust sold the 31 acres at 4530 Clarke Road in Hickory Hill South's 38141 ZIP code for $77,000. The property includes a house and currently has residential zoning, but Caller said it has potential for future commercial or industrial use.
• In other commercial leasing news, Larry's Pizza has signed a 4,000-square-foot lease at Kirby Gate Shopping Center, 2857 Kirby Road, in the former McAlister's Deli space.
The pizza company is based in Arkansas and is new to the Memphis market.
Brian Califf of NAI Saig Co. represented the tenant. Gary Myers of The Gary Myers Co. represented the landlord, Walter Wills.
"They have all these funky pizzas and they bring them all around to your table," Califf said. "It's basically like a buffet where they bring it all to your table so you can sample every pizza on their menu. You just take a piece of what you want."
Califf said Larry's Pizza wants to add two or three others in the Memphis area.
"We're looking for any second-generation restaurant space," he said. "That old McAlister's is perfect for their first one; it's a clean space."
Larry's Pizza is planning to open in Kirby Gate by June 1.
In retail news, Ken Bauer and Kristi Bauer, franchise owners of the Memphis Pinot's Palette franchise, have signed a lease for 2,052 square feet at Sanderlin Place, 5040 Sanderlin Ave., suite 111.
Aaron Petree, vice president brokerage with Loeb Properties Inc., represented the landlord and was the only broker involved.
Pinot's Palette is a "paint and sip" concept where painters bring their own wine and hors d'oeuvres, Kristi Bauer said. Classes will be offered about four nights a week, and the space – in the center's eastern end-cap – will be available for private parties and corporate team-building events.
"We'll have a private party room as well as the main room," Bauer said. "We think it's a great location. I feel like it's the heart of the city. From Germantown to Downtown, it's very easily accessible. It's a good neighborhood, and I think it's the perfect place for the kind of business that we are opening."
The shop is also looking into holding offsite "collaborative events" like festivals and fundraisers, Bauer said.
Pinot's Palette hopes to open by the first weekend in June and that eventually she and her husband would like to open more than one in Memphis.
• And Edward D. Jones & Co. has signed a 1,200-square-foot office lease at 7980 Brother Blvd., suite 104, in Bartlett.
The five-term lease begins April 1. Jeff Waddell with Crye-Leike Commercial's Arlington office represented the landlord, RL Scobey Investments LLC.
Copyright 1995 -
by The Daily News Publishing Co. Inc. - All Rights Reserved


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Matt Damon and "Office" star John Krasinski got in touch with their American roots on Wednesday -- hitting up a guitar/gun/grocery-selling gas station in Upstate New York. Seriously, the place exists.
It's called Dick's Country Store & Music Oasis in Churubusco, NY -- and we're told, the Hollywood duo stopped in to scope the place out for an upcoming film project.
As far as we know, no guns were purchased. America! F**k yeah!
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UBS News
Investor Optimism falls back in February
Confidence in US markets increases among EU 5 investors as support for European markets wanes.
Individual investors across Europe were less optimistic in February as continued economic weakness raised concerns about the outlook for European financial markets, according to the UBS Index of Investor Optimism® - EU 5.
The February Index shows investor optimism at a current level of 20 points, down from 40 points last month. In particular, the outlook for economic growth over the coming twelve months dampened, with 41% of private investors pessimistic in February compared with 33% in January. Likewise, 38% were pessimistic on the outlook for stock market performance in the coming year, compared to 31% last month.
According to the Index, Europe has fallen behind the US in the ranking of the most attractive financial markets. Currently, 42% now rank US markets as most attractive, compared with 33% in January. This contrasts with 31% of EU 5 investors saying they are most optimistic about the prospects for European markets this month, compared with 42% in January.
London, 25 February 2002


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My personal favorite thing about the new laundry soap, is the fact that it CAN be used in both older and HE machines. Oh and also that it already has the stain remover in it.
It smells great. I love the price, also. I was at Walmart the other day and saw the price was only $5.77 for a 60oz bottle.
Purex Complete with Zout
A Powerful Detergent and Stain-Fighting Pretreater in One.
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I need it in case you win.
Giveaway starts now and will end 5/10 8:59pm EST. Winner will be announced 5/11
Winner will receive an email and will have 48 hours to respond. If no reply a new winner will be chosen.
I received a product sample in order to write my review. I received no monetary compensation. All opinions expressed are mine!!!
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This giveaway is open only to individuals who are 18 years of age or older. Those involved in the production, development or implementation of giveaways, any agents acting for, or on behalf of the above entities, their respective parent companies, affiliates, licensees, and any other person or entity associated with the company are not eligible. Void where prohibited by law


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A former Lanark resident who escaped the Cambodian Killing Fields and went on to become a respected U.S. Navy officer has been charged in a high-profile bribery scheme that involved allegations of kickbacks that included prostitutes and luxury travel.
U.S. Navy Commander Michael Vannak Khem Misiewicz, 46, was arrested in Colorado Sept. 16, along with John Bertrand Beliveau II, 44, a special agent for the Naval Criminal Investigative Service.
The men were charged in separate incidents with taking bribes from Leonard Glenn Francis, CEO of Singapore-based Glenn Defense Marine Asia, a multinational defense contractor, according to a news release from the U.S. Justice Department. Francis also was arrested Sept. 16.
The criminal complaints say that Francis gave Misiewicz expensive trips, prostitute services, and even Lady Gaga concert tickets in exchange for confidential information and assistance in helping him procure hundreds of millions of dollars in Navy contracts.
Beliveau is charged in a separate bribery case involving Francis in which he received similar perks for giving the Glenn Defense CEO information about an NCIS fraud investigation into his business with the Navy.
Glenn Defense provides a variety of services to the Navy, including coordinating, scheduling and procuring goods and services needed by ships and submarines when they arrive at port. The U.S. Attorney's Office alleges that Misiewicz used his position as deputy operations officer of the U.S. Seventh Fleet to arrange for Navy ships to visit ports where Glenn Defense provided services.
Glenn Defense bilked the Navy out of $10 million in just one year in Thailand alone, the U.S. Attorney's Office said.
Misiewicz was at the center of several feel-good stories reported at various times by many media outlets. Born in Cambodia, he was adopted in 1973 by a Freeport woman, Maryna Misiewicz, who was then serving in the Army in Phnom Penh. Misiewicz brought him to the United States, just before the Khmer Rouge took over Cambodia. Maryna Misiewicz retired from the Army in 1976, and has a long history of working with and volunteering in many Stephenson County-area veterans programs.
In 2010, Misiewicz also made news in an emotional reunion with family members while his ship was on Navy business in Cambodia.
Misiewicz graduated from Lanark High School in 1986. In addition to being a good student, Misiewicz was a member of the conference champion Lanark varsity football team that went 9-0 and made it to the semifinals of the state playoffs before losing to Carthage High School.
After graduation, Misiewicz enlisted in the Navy. He received a bachelor of arts degree in marine engineering and a master's in space systems. He eventually worked at the Pentagon for the head of naval operations.
He married Marcy Rahn, also a Lanark High graduate. They have three children, and the family was based in suburban Washington.
Misiewicz came back to Lanark this year to give a Memorial Day address at the high school.
According to a story in The (Freeport) Journal-Standard, Maryna Misiewicz threw a party in Freeport, on Aug. 10, 2008, to celebrate her son's new assignment as captain of the Navy Destroyer USS Kidd.
On that day, his proud mother was quoted as saying:
"I am so excited. I knew he was a smart child, and that he would do well in the Navy, but I had no idea he would ever command a ship. I am just really proud of what he has accomplished. He's just become a wonderful man."
Misiewicz, Beliveau and Francis are officially charged with conspiracy to commit bribery, which carries a maximum prison term of 5 years. Misiewicz will face charges in federal court.


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I'll post the preview screencaps in EP6 thanks for the help peach , go sit on the beach or something
Anyway, i don't know if it's the fact that Natalie is stronger than the other girls such that she does not have a target on her back. But one thing for sure is that it has not been shown yet. She's either sitting out of challenges or being a less important part of a challenge... hmm, what do all of you think?
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Crystal Gayle
Crystal Gayle (born Brenda Gail Webb on January 9, 1951) is an American country music singer best known for her 1977 country-pop hit, "Don't It Make My Brown Eyes Blue". An award-winning singer, she accumulated 20 number one country hits during the 1970s and 1980s. She is also famous for her nearly floor-length hair and was voted one of the 50 most beautiful people in the world in 1983. She is the younger sister of singer Loretta Lynn (16 years younger) and a distant cousin of singer Patty Loveless. Crystal Gayle has a star on the Hollywood Walk of Fame, near Loretta Lynn's star.
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Angelina Jolie: Hard at Work on 'Unbroken' Set!
Angelina Jolie chats with some crew members while hard at work on the set of her latest film Unbroken on Monday (October 21) in Queensland, Australia.
The 38-year-old actress, who is directing the movie, had a blue screen set up outdoors for some special effects!
PHOTOS: Check out the latest pics of Angelina Jolie
Angelina's doctor who performed her double mastectomy earlier this year has spoken out about women needing to be in charge of their healthcare.
"A woman is the captain of her own health care team, and the doctors involved should be co-captains with her, working with her to help achieve the best outcomes," Dr. Jay Orringer told Fox News about Angelina's proactive decisions.
10+ pictures inside of Angelina Jolie on set…


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This holiday shortened fourteenth trading week of 2012 comes to a close with investors focused on the long term effects of the European Central Bank's liquidity injections, as well as ongoing problems in Spain and Greece.
Welcome to the 'Weekly Market Wrap' for April 5, 2012.
The S&P 500, the Dow Jones Industrial Average and the Nasdaq were all lower for the week.
Crude oil futures are about even this week, trading around $103.32 per barrel on Friday afternoon.
Gold futures are lower this week, to $1629.98 an ounce in afternoon trading.
In notable economic news this week, the Labor Department announced that the number of Americans filing for unemployment benefits fell by 6000 last week, to a seasonally adjusted 357,000, which is the lowest level since April of 2008.
In corporate news this week, Visa (V) announced that it is dropping Global Payments (GPN) from its provider registry to allow time reassess the firm's data security standards following a security breach. Global Payments announced on March 30 that approximately 1.5 million credit card numbers were compromised.
Monsanto (MON) announced that it earned $1.2 billion on revenue $4.7 billion for the quarter that ended on February 29. In the same period last year, the company earned $1 billion on revenue of $4.1 billion. The company attributed the increase to global demand for corn and strong United States sales, along with strong sales in the seeds and genomics sector.
Shares are higher in early trading.
SanDisk (SNDK) announced that it expects revenue of about $1.2 billion for its fiscal first quarter, down from the previous forecast of $1.3 billion to $1.35 billion. The company also said that it expects gross margins to be in the range of 39% to 42%, also lower than its previous forecast. The company will report earnings on April 9.
CarMax (KMX) announced that its profit in the fourth quarter increased by 7% to 41 cents per share, up from $88.8 million, or 39 cents per share in the same period a year ago. Revenue increased by 10% to $2.48 billion. Analysts had expected earnings of 40 cents per share on revenue of $2.42 billion.
This is the 'Weekly Market Wrap' for Thursday April 5, 2012. Please join us on Monday for the 'Week Ahead Market Report."


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Couple remakes popular song to announce pregnancy
A couple in Virginia was already singing the tune of "we are never ever, ever having another baby" - and now they're going with yet another version of Taylor Swift's hit song. Check it out.
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'You're shocked, so are your friends, so are our friends, so are we. But we are having, having, having another baby.'
And the morning shows ate it up. Willie Geist of the "Today" show couldn't help but compare the couple with his fellow anchor Natalie Morales.
'Natalie, they're a lot like you. They can't carry a tune? Yeah. And they don't let that stand in the way of just going for it, they just go for it.'
Geist was nicer than others, though. We're talking to you, Dan Harris.
'A great case for autotune.' laughs 'Sorry. It just came out. It came out and sometimes I go off the teleprompter and I get in trouble.'
But the "Good Morning America" crew wouldn't let him get away with his snarky comment that easily. The cast joked he should send flowers and babysitting services.
The couple behind the video gone viral are Nate and Erica Eaton of Richmond, Virginia. They already have a 10-month-old daughter named Emerson.
Nate is actually a reporter for Richmond's ABC station WRIC. He shared the video with his Facebook fans Monday saying:
'My wife and I have some BIG NEWS to share with all of you!'
Erica also tweeted at Taylor Swift the following day saying, 'Thanks for helping us announce our new addition! Sorry about our awful singing!'
The couple has since received hundreds of congratulatory messages. Baby number two is due October 19.


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Magnesium may decrease colon cancer risk
Vitamin D plus calcium may protect everyone from fracture: Study
Multivitamins may cut lung cancer risk in smokers
Vitamin E may boost brain health after stroke
Vitamins and minerals may slash bladder cancer risk
Physicians recommend supplements to their patients
Antioxidant vitamins may protect against female cancer
Symposium details Calcium-Vitamin D fracture potential
Teen soy intake linked to lower breast cancer risk
Multivitamins linked to younger ?biological age?: Study
Vitamin D good for brains and lungs, say new studies
Dermatologists recommend vitamin D supplements
Mineral Health Benefits
Mineral Depletion of Soils
Brown Seaweed May Burn Away Fat
Brown Seaweed fights Obesity
Remineralisation vital for future of food
Zinc May Reduce Infant Mortality
Vitamin C May Reduce Frequency of Common Cold
Folate May Cut Stroke Risk in Women
Is Vitamin E safe?
Calcium, Vitamin D Prevent Crohn?s Bone Loss
Walk ten thousand miles with sea vegetation!
Iron Deficiency Contributes to ADHD
Calcium reduces cancer risk
Flu shots in short supply: BUILD YOUR IMMUNE SYSTEM FOR WINTER
FDA Ephedra Action
Why Wachters' Works!
Time Magazine says "Eat Your Weedies"
Vitamin E - beyond the antioxidant effects
Seaweed contains natural antibiotic
Healthy vs Unhealthy Colon
Multi-vitamin and mineral supplements
Cardiovascular Health
Body Mass Indicator (BMI)
NutriFact: Stress
Intestinal Health
Anti-Oxidants, the Real Fountain of Youth?
Should You Be Taking A Multi-Vitamin?
FDA Appoves New Health Claim for Soy Protein and Coronary Heart Disease
Seaweed Fights Radiation
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2011 World University Finalists – Will the Next NPOY Be Buried on the Bench Again?Posted by rtmsf on June 8th, 2011
As summer heats up, the various Team USA basketball rosters also start rounding into shape. One of the better such international events that includes collegians, the World University Games, is scheduled to occur from August 13-23 in Shenzhen, China. As such, the training camp roster of 22 current college players was released on Wednesday with a goal of cutting the group to a final 12 in late July. The remaining dozen will spend early August practicing as a team before traveling overseas to represent the United States in an event that hasn't been kind to the Yanks in the last decade. Perhaps as a result of increasingly fewer talented players still in college or representative of the world catching up to the USA in basketball, this team has only finished first or second once in its last four outings — the 2005 team led by Shelden Williams (Duke) went 8-0 on its way to collecting gold in Turkey. Two years ago, the 2009 team went 7-1 with its sole blemish a one-point semifinal defeat to Russia to bring home the bronze. This year's team will have its work cut out for it in an increasingly competitive international landscape. Here's the training camp roster:
It's a guard-heavy group, as Pitt's Ashton Gibbs, Xavier's Tu Holloway, Vanderbilt's John Jenkins, and Wisconsin's Jordan Taylor all have All-America potential in 2011-12. This isn't surprising, as many of the better big men in the game have either opted out of international basketball this summer (Kentucky's Terrence Jones; Ohio State's Jared Sullinger), or they're moving on to NBA riches (Arizona's Derrick Williams; Georgia's Trey Thompkins; Kansas' Morris Twins; Purdue's JaJuan Johnson). It's notable that Syracuse's Scoop Jardine (2010), Northwestern's John Shurna (2010, 2009), Kentucky's Darius Miller (2009), Gibbs (2009), and Alabama's JaMychal Green (2008) have all had previous international experience, which would presumably give each a leg up to make Jim Boeheim's team this summer.


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It doesn't matter that Daniel Murphy hit the game-winning homer Sunday afternoon, or that he's the Mets' hottest hitter, he should be in the leadoff spot going forward for the Mets.
Because of Murphy's high on-base percentage, batting him leadoff is something I have advocated, and I'm glad Terry Collins was thinking outside the box enough to make the move.
"He gets on base, because he can hit,'' Collins told ESPN.com. "And, when he's swinging good, he can get some walks. We've got to get some people on ahead of David [Wright]. That's for sure.''Notice how Collins didn't mention getting on base ahead of Ike Davis, but I guess he couldn't say that with a straight face.
Murphy is the seventh Met to hit leadoff this young season, and of the previous six, is there one who you can note with conviction that will be here next year?
Ruben Tejada (12 times), Jordany Valdespin(10), Mike Baxter (eight), Collin Cowgill (seven),Justin Turner (two) and Kirk Nieuwenhuis (one) have all appeared without much success at the top or the order. Mets leadoff hitters have hit a major league low .179 with a 29th ranked .238 on-base percentage.
Collins was non-committal on how long he'll use Murphy leading off, but considering he's a .300 hitter with a .337 on-base percentage, he doesn't have better options.
With their leadoff hitters and Davis, the Mets have two slots in the batting order hitting less than .200, and overall they have four positions in their regular lineup hitting below .240.
Collins thought about Murphy hitting first during spring training, but then he had to come up with a center fielder and decide what to do with Tejada. Meanwhile, Murphy, because of his willingness to take a pitch, also seemed suited to hitting second.
"I thought about it in spring training, to be honest, whether or not to lead Murph off,'' Collins said. "We'll just see how it goes. It might be something we've certainly got to consider as we get deeper into the season, because he can hit.
"He gets on base. If he does that, certainly we've got to keep our options open with Murph being the leadoff hitter.''
Murphy hitting first seems the way to go for now, but slotting him there doesn't alleviate all of Collins' concerns. Rick Ankiel can be an answer defensively in center field, but the outfield remains subpar.
The Mets now need a No. 2 hitter, but because Tejada insists on hitting fly balls, he's not an ideal fit there.
Let's face it, currently Murphy and Wright are the only hitters in the lineup who are reliable.


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The Board is recommending that Michael Kamrava, the fertility doctor who artificially inseminated Suleman, be disciplined because he acted with "gross negligence" with regard to her treatment.
The Board concluded, "His failure to recognize that [Suleman's] behavior was outside the norm and that her conduct was placing her offspring at risk for potential harm."
The Board is recommending that Dr. Kamrava's license be revoked or suspended.


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This numbered edition T-Shirt, designed by Evgenia Chuvardina, comes with a numbered and signed certificate of authenticity. Premium jersey, relaxed fit, 100% polyester, this unique all over print t-shirt has no white creases and does not fade after washing. Printed, cut and sewn in USA.
|AChest (in/cm)
|BLength (in/cm)
Mass of contradiction
Dusseldorf, Germany


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CAMBRIDGE, Mass. – Two first-half goals helped propel MIT to a 2-0 victory over the U.S. Coast Guard Academy in a NEWMAC men's soccer game on Saturday morning. The Engineers picked up their first conference win of the season, improving to 1-3-0, and evened their overall record at 6-6-0. The Bears, meanwhile, saw their ledger dip to 1-3-1 in the NEWMAC and 4-7-1 on the year.
MIT wasted little time applying pressure on Coast Guard goalie Will Leffler as sophomore Matthew Monheit's (Abington, Pa.) bouncing shot from eight yards away forced him to make a diving stop at the far post after five minutes expired. Following a battle for possession in the midfield, the Engineers opened the scoring in the 20th minute. From the far side, sophomore Jonathan Tebes (Hamden, Conn.) lobbed a 30-yard pass that sailed through the box and resulted in Leffler, a defender, and Monheit drifting to the near post. Monheit managed to head the ball, which bounced in the box and then was pushed across the goal line to the far post courtesy of the windy conditions.
The Cardinal and Gray extended its lead to 2-0 eight minutes later on a solo effort by senior Zach Kabelac (Potomac, Md.). The forward dodged a pair of defenders on the far side and then caught Leffler off balance for the easy strike. The Bears' best opportunity to get on the board in the first half came on a breakaway by Tradd Lovern but he was called offsides from 25 yards out.
Coast Guard registered its first shot on goal in the 57th minute on a low rolling free kick by Brett Godiksen that went directly to freshman netminder Samuel Cannon (Scarsdale, N.Y.). MIT almost increased its margin moments later on a quick touch by Tebes at the near post but it was instantly scooped up by Leffler. The hosts continued to attack, recording a shot by junior Ben Lewis (West Hartford, Conn.) that rolled wide of the near post and a Monheit blast that bounced off the bottom of the crossbar during the final 10 minutes of action. The Bears nearly ended the shutout on a bouncing shot from Godiksen, but Cannon thwarted the attempt.
Making the first start in his career, Cannon finished with two saves. He also intercepted numerous crosses and throw-ins to deny Coast Guard a chance to end the shutout. Leffler finished the day with six saves for the visitors.
MIT returns to action on Saturday, Oct. 22 at NEWMAC foe Clark University while Coast Guard will visit Eastern Connecticut State University on Tuesday, Oct. 18.


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If the San Diego Chargers are going to make a return to the postseason after three straight seasons sitting on the sidelines in January they will need quarterback Philip Rivers to return to top form.
Both Rivers and head coach Mike McCoy believe Rivers is capable of being that player once again for the Chargers. Rivers says his best days are still ahead of him. McCoy said he believes Rivers can complete 70-percent of his passes. In order to do so, McCoy has a plan to get Rivers back to playing his best.
"We have to get him going back to basics; take what the defense is giving you," McCoy said in an interview on the NFL Network. "Don't be afraid to check it down. You don't have to make that big play every play. We are going to do some different things in the passing game with him, raise the completion percentage, get the ball out of his hand a little bit quicker, help the offense line, run the football."
Rivers had arguably his worst season since 2007 a season ago. While he did complete 64-percent of his passes, he had five-year lows in yards, yards per attempt, touchdowns and passer rating. McCoy believes Rivers tried to do too much last year. He feels simplifying things and getting back to the foundations of being a quarterback will get Rivers back to among the league's most productive passers.
"You don't have to do it by yourself. Everyone in the organization – offense, defense, special teams – we all have to play better. That is the way we are going to approach it," McCoy said.


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MGM Resorts properties along the Las Vegas Strip are rolling out free Wi-Fi service throughout the low-rise public spaces of the resorts, from casinos to pools to restaurants.
Once the system is fully implemented, you will not need to get up from a slot machine or a blackjack table to check emails.
The technology is being installed in stages. It's already up and running at Bellagio, MGM Grand, Mandalay Bay and the Mirage. Service will be available later this year at Excalibur, Luxor, Monte Carlo and New York-New York.
The new service, catering to what's being called the BYOD (Bring Your Own Device) crowd, provides basic Internet access at no charge, with packages at various price points for those who need more bandwidth.


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Owl City Tickets
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The average Owl City tickets price will cost you between $65 and $196, if you are looking for the cheapest seats then catch the event being held at the EXPRESS LIVE!, Columbus on 14/10/2018. The average ticket will cost you the highest on 13/10/2018 at the House Of Blues - Chicago, Chicago.
Minimum get in price is for Owl City tickets is $44 for the event being held at the House Of Blues - Chicago, Chicago on 13/10/2018 , there are some venues that have a much higher get in price, for instance the cheapest seats at the EXPRESS LIVE!, Columbus on 14/10/2018 will set you back $53.
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Details of Owl City and the Ticket Luck value
Adam's Young's digital music project is known as Owl City. An alternative dance project it was founded in 2007. Young, a multi-talented musician was suffering from insomnia which later served as the reason for him to develop music in his basement. From music to the entire world, it was not an easy journey for him. His first single track was debuted on MySpace in 2007 which got an applauding response. Right after the song got popular and later extremely successful; he decided to record a seven track album "Of June" which was a mini indie pop album. Even though this album was not marketed or promoted extensively, it still managed to attain a 20th position on the Billboard Electronic Albums chart.
"Maybe I'm Dreaming" was his next indie project released in 2008 which was a result of his confidence that it will be just as successful. There he was at Top 20 of Billboard Electronic Albums chart again. His entire music was inspired by the electronic music compositions of "Imogen Heap", "Relient K", "Boards of Canada" and "Armin van Buuren".
With this dual success, Owl City was now on center stage and this success further led to his collaboration with "Universal Republic" in 2009. This resulted in the release of his one of the best album "Ocean Eyes" in the same year. This album included a bonus track "Hello Seattle" which was a remix of his previous album's track. This album climbed to No.8 on Billboard Hot 200 right three months after it started to sell.
2009's "Ocean Eyes" had four singles, titled 'Hello Seattle', 'Strawberry Avalanche', 'Fireflies' and 'Hot Air Balloon'. 'Fireflies' is so far the best track and highly popular among American and Canadian charts. However, later it was seen topping the UK charts as well. Owl City comprises of "Breanne Duren" who is a vocalist and plays the keyboard; "Laura Musten" who plays the violin; "Hannah Schroder" who plays the cello and "Matthew Decker" who plays the drums.
Owl City has recently been on tours with "Brooke Waggoner and The Scene Aesthetic". Also he was the opening act for the concert of "John Mayer". Nominated for the BBC Sound of 2010, he was defeated by "Ellie Goulding", "Delphic", "Joy Orbison" and "Marina and the Diamonds". His main aspiration for creating and developing music comes from the young lists "Boards of Canada" and "Imogen Heap".
Other projects being led by Adam Young include "Port Blue", "Seagull Orchestra", "Insect Airport" and "Windsor Airlift", though none of the projects retain the popularity of Owl City. He sang a duet with "Relient K's Matt Thiessen", titled "Fireflies" and this turned out to be the best lead single. This was spotted at No. 97 on Billboard Hot 100 and eventually became a super hit of the U.S. Singles chart.
This career line grew longer with time. He got hired as a lead musician for the original soundtrack score of the television series "90210" which starred "Shenae Grimes", "Tristan Wilds" and "Ryan Eggold". 'Sunburn' was the track that was included on the Soundtrack of 90210. The soundtrack also included melodious tracks from artists such as "OK Go", "Adele and The Raconteurs" and "N*E*R*D".
Through live performances and tours, Owl City has built on its fan following which is increasing by the day. His stardom has now crossed borders and he is an internationally acclaimed musician. Young opened Owl City University in September, 2010, as an interactive site for his fans. This site was integrated with social networks such as Facebook and Twitter. Through this boundaries were removed and fans easily communicated from any part of the world. Later Adam Young was seen messaging and communicating on video blog.
Owl City tickets are the only chance for Owl City fans to go and indulge in their rocking performance absolutely live!
Owl City Tickets Prices
The average Owl City tickets price will cost you between $65 and $196, if you are looking for the cheapest seats then catch the event being held at the EXPRESS LIVE!, Columbus on 14/10/2018. The average ticket will cost you the highest on 13/10/2018 at the House Of Blues - Chicago, Chicago.
Minimum get in price is for Owl City tickets is $44 for the event being held at the House Of Blues - Chicago, Chicago on 13/10/2018 , there are some venues that have a much higher get in price, for instance the cheapest seats at the EXPRESS LIVE!, Columbus on 14/10/2018 will set you back $53.
|Average Ticket Price
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|Owl City
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Use LUCK18 as the promo code and get a 3% discount on Owl City tickets. This is a wonderful opportunity to enjoy the thrilling live performance by your favorite COMEDY category
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'X-Men: Days of Future Past': A Guide to the Mutants
This weekend's "X-Men: Days of Future Past" redefines the comic-book team-up film. Forget "The Avengers" and its measly six super-heroes. "Days of Future Past" has more than 20 mutants teaming up to save the world, including multiple versions of the same characters thanks to the movie's time-travel storyline that flips from a dystopian future to 1973.
Non-fanboys, however, might just be a little confused by a movie that simultaneously continues the stories from 2006's "X-Men: The Last Stand" (whose cast struggle in the future) and 2011's prequel "X-Men: First Class" (whom we find in 1973, 10 years after their last film). Here's a guide to the mutants you need to know, as well as a new villain.
Read Joe Morgenstern's review of 'X-Men: Days of Future Past.'


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How Safe Are You Online? – Symantec's 2016 Internet Security Threat Report
The 2016 Internet Security Threat Report (ISTR) provides an overview and analysis of the year in global threat activity. It is compiled using data from the Symantec Global Intelligence Network, which our global cybersecurity experts use to identify, analyze, and ...
|Watch/download video
Categories: Featured, HD Video, Security, Symantec, Video Podcast


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The Death Star is the most powerful battle station ever constructed. And it's virtually indestructible — once you take care of that one tiny reactor vent thingie, that is. But meanwhile, Superman is also impervious to most weapons, has insane super-strength and can travel at Mach Infinity. And he's already polished off Warworld a couple times.
So if it came to a smackdown between Superman and the Death Star, who would win? You decide!


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Ella Henderson Would Love a Beyonce or Adele Duet!
About Photo #510604: Ella Henderson rocks a leather jacket while arriving back to her hotel on Thursday night (November 15) in London. The 16-year-old X Factor UK finalist has been… Read The Post Here
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Gucci Virginia Lace Pumps Size EU 37.5 (Approx. US 7.5) Regular (M, B)
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FINRA issued a formal investor alert regarding the dangers of Non-Traded REITs two weeks ago, and since Ray Lucia regularly schlepps these poisonous products at his investment seminars, he evidently thought it was time to defend this almost indefensible "strategy" in print. For background, FINRA's alert can be read in full right here, and you can also click here to read Lucia's response on his website. I have reposted Ray Lucia's response in full below.
Lucia didn't have much of a choice but to admit that FINRA "finally got it right", but he did affirmatively decide to dismiss one of FINRA's chief concerns (that Non-Traded REIT dividends are routinely paid using proceeds from new investors, NOT earnings) with a dismissive waive of his commission-stuffed hand. His exact quote is "this is real estate folks", as if the practice of paying dividends that exceed cash flow is completely normal and acceptable.
Well "folks", I have some advice for you: be your own lifeguard. There may be some benefits to owning Non-Traded REITs for some people, but by and large these products are less of an investment strategy than they are a self enrichment scheme for the people who peddle them. Lucia is paid a significant upfront commission to sell these REITs to you (which he blandly re-characterizes below as "start up costs"), and while that commission comes straight out of your account, Lucia does not disclose this on your statement. Also, chances are good that a non-traded REIT sponsor paid some or all of the freight for the "educational seminar" you attended, and then billed the cost right back to its own investors. FINRA is highly concerned about these issues too, and very soon they may require Lucia to disclose these commissions and expenses to you in a much more transparent manner than he does now.
Bottom line: if FINRA "finally got it right", why was Lucia busy selling these things without acknowledging any of these issues when FINRA apparently had it all wrong? Before you allow Lucia to place one of his buckets over your head, take the time to read this post here, and this thread here. Finally, read this real world example of what happens when dividends are paid using money from new investors, not cash flow.
Lucia's full post follows (remaining hypocrisy to be dissected a later date):
Earlier last week, FINRA, the Financial Industry Regulatory Authority, finally got it right when it issued an alert to investors about public, Non-Traded Real Estate Investment Trusts. Those who have listened to my radio talk show, attended my retirement seminars, or read any of my books know that I am an advocate of the use of Non-Traded REITs as a potential income generator and diversification tool. Retirees and many pre-retirees need investments that provide immediate income for emergencies and opportunities along with their daily living expenditures (Bucket #1). These types of investments, especially today, usually yield very little. So they also need investments with a relative degree of safety and stability with higher potential earnings. To achieve this, one needs an intermediate time horizon (Bucket #2). And of course, most investors need long-term investments for potential income and growth (Bucket #3). Such investments are designed to provide higher capital appreciation as well as a hedge against future inflation. Some long-term investments also produce potentially higher yields which can be used for supplemental income. Combining the short, intermediate, and long-term investments into a segmented portfolio, and then distributing the income needed by spending down the safest accounts first (while allowing the riskier ones the time needed to potentially grow) is what I call The Bucket Strategy™.
Non-Traded REITs, especially those with low-to-moderate leverage and those which, upon stabilization, are covering the dividends they pay out of from actual cash flow, can, over a long time period, potentially achieve both income and growth. This makes Non-Traded REITs an attractive investment for many. However, Non-Traded REITs are complicated investments requiring a lot of due diligence on the part of the investor as well as the advisor.
Alarmingly, many advisors have not taken the time to truly understand how Non-Traded REITs work and where they might be an appropriate investment in a portfolio. Further, and perhaps more importantly, many advisors are unclear as to who is a suitable investor for such a product.
Distributions are not guaranteed and may exceed operating cash flow. This is real estate, folks. There are a lot of variables in determining the amount of the distribution, and in the early stages of raising capital for Non-Traded REITs the startup costs, distribution expenses, and acquisition fees all make it very challenging for Non-Traded REITs to pay distributions completely out of their earnings. That is why you should strongly consider the sponsor of the REIT, the track record of the manager, and the market cycle of the asset class in determining if the REIT has potential to cover distributions from cash flow or if they may need to reduce distributions in the future.
FINRA got it right. Below are some key highlights everyone should be aware of:
Distributions and REIT status carry tax consequences. Consult your tax advisor. Some REITs may be better invested in your taxable accounts while others may be better invested in your retirement accounts. Picking the right account to invest in REITs may provide you with a more tax-optimized investment portfolio.
Lack of a public trading market creates illiquidity and valuation. Don't buy the hype on the share redemption programs. Assume your investment is locked in for the next 10-15 years. Time is your friend when investing in these products. Valuations are important, but complicated. Don't be alarmed if your REIT re-prices lower. Maybe that is the time to consider other strategies like converting your REIT in your IRA to your Roth IRA. The valuation that is the most important is when you sell.
Early redemption is often restrictive and may be expensive. If you are following a long-term strategy then this is a non-issue. This should be your last resort. If you use this option, it will cost you. Should your REIT suspend the share redemption program, you may need to look to secondary markets. Be careful as there are substantial spreads that can wipe away all of your earnings (and then some) if you venture there.
Fees can add up. It's not inexpensive to buy real estate. There can be costs of up to 15% on average, meaning your REIT may only be working with 85 cents on the dollar.
Diversification can be limited. You must consider diversification of your Non-Traded REITs. Only buying into one type of asset class may create undue risk. You should consider buying into multiple types of real estate to spread your risk around.
Non-Traded REITs are complicated investments. They have relatively high acquisition costs and mark-to-market valuations that are required 18 months after the last dollar is raised. Therefore, the share price is almost certain to be lower in the early years. This can cause some investors to question the integrity of the product and even question the integrity of their advisor. It makes sense that a direct investment in real estate valued at potentially fire sale prices would indeed be lower after acquisition costs are factored in. This is why Non-Traded REITs belong in the long-term bucket. Real estate, like a freshly picked green tomato, needs time to ripen. In my opinion, many advisors by and large have not done a very good job of communicating this to their clients. The FINRA alert will surely cause advisors to be more diligent in their explanation of both the pros and cons of the Non-Traded REIT investment.
buildings3I have written, reported, and spoken on the subject of Non-Traded REITs many times over the years. I have a substantial investment of my own in several Non-Traded REITs. I've trained numerous advisors on the appropriate way to sell this type of investment and have been interviewed by financial writers on this topic on more than one occasion. Most everyone wants to draw comparisons between public REITs and Non-Traded REITs with the idea of suggesting one over the other. This is a mistake. Public REITs are stocks with high risk, big upside potential, and extreme volatility—just like any other stock. Non-Traded REITs have a relatively stable share price and typically a higher initial dividend yield, but do not have the big upside potential (at least not until they list and trade publicly).
The fact of the matter is that both public REITs and Non-Traded REITs belong in most portfolios. That's because they don't always move in the same direction at the same time. In our business, we call that a lack of correlation. A recent paper on the subject of REITs and Private Equity Real Estate Funds by Morningstar highlighted how public REITs outperformed the Private Equity REIT Funds over long periods of time. However, they also concluded that due to the risk reduction associated with private real estate, institutional investors should own both public and private real estate for a better balance of their total real estate allocation. I agree!
Non-Traded REITs are gaining greater popularity with invested assets of $77.9 billion as of June 30, 2011 (according to Blue Vault). They are very popular within the financial planning community because they fill clients' need for income at a time when yields are sparse. They are also popular because most Non-Traded REITs pay advisors up front rather than an annual, asset-based fee. But with that popularity is the potential for abuse. Hence the FINRA alert.
The bottom line is that Non-Traded REITs can play an important role in an investor's portfolio. But, like most Bucket #3 investments, they require time to work through the up and down cycles so that the investor can realize the full potential of a long-term investment providing both income and growth.


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Message Board
Kathleen McCarthy Message Board
Talk about the novels, new and used books that McCarthy has written!
Author McCarthy's Book Reviews
A Treasure to Hold
Leisure, Feb 2003, 5.99, 308 pp. ISBN: 084395146X In 1827 England a thief sneaks into an aristocratic home to steal a chest. He is caught in the act and pulls out a gun to bluff his adversary. However, everything goes further wrong and he accidentally kills his opponent before fleeing into the night. Worse, he lost one of the two gold keys needed to open the chest. Sebastian Merrick vows to bring to justice the assailant who killed his cous...


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We are thinking about looking on the existing-log-home market. I would appreciate any advice you may have for when we start shopping around.
Views: 219
Make sure the foundation is at least 3 feet above ground. (protects against splash back, and rot) Roof overhangs should be at least 2 ft. Look for checking (cracks on top of exterior logs, make sure they have been filled in, that can trap water and rot a log) Look for rotten logs. Open doors and windows, to make sure they have not been bound up from the log home settling. There are log homes out there, that are in foreclosure. You may want to check those out, but check out how long they have been empty. Remember, when you purchase a log home, there is a lot of upkeep. You have to re-stain every 5 to 7 years. I would look at a ranch, it is easier all the way around, with heating and cooling, to up-keep. Make sure those log corners look good. Hopefully you will find your log home that is built correctly, and you will have many happy years in a log home. I've been in mine since 1990. It is nice but like I said it is also work. Of course if you can afford a few thousand every 5 to 7 years for someone else to re-stain, your set. I like staining my own, because I want it done right. Good luck in your endeavors. any questions feel free to email me.
Recently we renovate our log home. WE did it by own except for kitchen works. Our kitchen countertop was too old and its very difficult to work on it. We replaced our existing concrete slab with Granite countertops Keystone. Rest of the renovation work is not too tough, they just need simple refinishing.
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MANOA, HI – The UC Santa Barbara men's tennis team (2-4, 0-0 Big West) continued to struggle in doubles play and dropped five of six singles matches, leading to a 6-1 loss against a tough Hawai'i Pacific (2-0) squad in Hawai'i on Saturday. Junior Tobias Galskov was the lone Gaucho to record a win, collecting his fourth dual match victory this season.
Hawai'i Pacific posed a tough challenge for the Gauchos despite their Division II status. The Sea Warriors are the No. 5-ranked team in Division II tennis and boast multiple ranked players, including No. 2-ranked Petr Michnev and No. 6 Jaume Martinez-Vich.
"The level of tennis was high today," said Coach Marty Davis, "they have some very skilled players."
The Gauchos dropped the doubles point for their fourth consecutive game, although UCSB kept the match close at No. 3 doubles, where the new pairing of Erik Johnsson and Teague Hamilton lost in a narrow 8-7 decision.
In singles, the Gauchos struggled to gain any momentum and lost five straight matches before Tobias Galskov recorded a win to avoid the sweep. The No. 108-ranked junior took care of Jaume Martinez-Vich in straight sets 6-3, 7-5.
The Gauchos also saw strong play from senior Sasha Gryaznov, who kept his match competitive and forced a 10-point match tiebreaker before falling to HPU's Thibaud Bertrand 4-6, 7-5, 10-4.
The Gauchos will regroup and face the University of Hawai'i on Sunday in their first Big West match of the season.
"We expect the level of intensity to be higher tomorrow and expect it to be a close match," stated Coach Marty Davis. "Today was preparation for us...tomorrow we should be better," Davis added.
The match is slated to begin at 10am HST tomorrow at the UH Tennis Complex.
Hawai'i Pacific 6, UC Santa Barbara 1
February 15, 2014
Manoa, HI (UH-Manoa Tennis Courts)
1. Michnev/Berland (HPU) def. Sultan/Gryaznov (UCSB) 8-5
2. Martinez-Vich/ Wetzel (HPU) def. Galskov/Seemann (UCSB) 8-4
3. Locorotondo/ Renault (HPU) def. Johnsson/Hamilton (UCSB) 8-7
1. Petr Michnev (HPU) def. Ziad Sultan (UCSB) 6-3, 7-6
2. #108 Tobias Galskov (UCSB) def. Jaume Martinez-Vich (HPU) 6-3, 7-5
3. Thibaud Berland (HPU) def. Sasha Gryaznov (UCSB) 4-6, 7-5, 10-4
4. Mattis Wetzel (HPU) def. Erik Johnsson (UCSB) 6-1, 6-1
5. Yann Renault (HPU) def. Andrew Riminton (UCSB) 6-3, 6-4
6. Adriano Locorotondo (HPU) def. Teague Hamilton (UCSB) 6-3, 6-3
Order of Finish: Doubles (1, 2, 3); Singles (4, 6, 5, 3, 1, 2)
UCSB Season Record: 2-4; Big West 0-0


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Liberty -- Gage County
In 1855 David Palmer ran a trading post on Cub Creek. In 1874 he was appointed by the government to buy supplies and horses for the Otoe Indians on the reservation. The town of Liberty, just six miles from the Kansas border, is located on what was the reservation from 1854-81.
Early settlers to this area were Nathaniel Cain, Allen Jammerson, and Frank Mutchmore, who like many others had come from "the South." In the early 1870s Cornelius Wymore built and operated a post office less than a mile west of the present town site, which he named "Liberty." The mail was delivered twice a week on the run from Pawnee City to Blue Springs.
The first schoolhouse was built in 1866 where Liberty was later to be. After the town was established, that building was replaced by a four-room frame school, used until it burned in 1892. A brick school was built the following year with additions made in 1916 and 1932. High school classes were discontinued in 1963. Liberty is now part of Southern Gage District 1.
Soon after the government purchased the reservation land from the remaining members of the Otoe tribe, the Chicago, Burlington & Quincy Railroad built its line through Gage County. Needing a station in this location, land was deeded to the Lincoln Land Company, which laid out the streets and lots. A plat was filed in Beatrice on June 19, 1881. Needing a name, they chose that of the post office, Liberty.
When the railroad was being built there were as many as 400-500 laborers living in box cars, shanties, and temporary shelter along the tracks. The town got the name "string-town" because of the way it strung out along the tracks.
Liberty grew rapidly. James Gay, a native of England, was already busy as the village blacksmith. E.W.Lane had the first general store, and the Olmstead family established a newspaper, "The Liberty Journal," in 1882. J. D. Lewis put up a building and opened a restaurant, where he carried a full line of fancy groceries, confectionery, and tobacco. He and his brother also ran the livery stable, a meat market, a feed store, and a sale barn. A. V. Starr arrived on an early train and built a hotel costing $1,000.
A Missionary Baptist was the first church to organize. Other churches included a Christian, two Presbyterian, and a Methodist. Later, when several disbanded, a Congregational Church was established, which is now called the Liberty Church.
The first bank was organized in 1882 by Frank Stewart and E. E. Harden. Their Bank of Liberty, later called the First National Bank of Liberty. Now known as the State Bank of Liberty, it is affiliated with First National Bank of Beatrice. In 1917 the Farmers State Bank was organized.
The "money panic" hit Liberty hard in 1893. The whole nation was in a depressed mood as politicians argued the question of "silver vs. gold standard." Silver lost. When that happened, the price of corn was less than 15 cents a bushel, and cattle sold for $8 to $10 a head. Many farmers sold out for what they could get and a number of businesses closed.
Liberty's population went from an official all-time high of 469 in 1890 to the present 105. The town is proud of having two state legislators, J. R. Buffomgton (in 1895) and G. R. Fouoke (in 1897). In addition, U.S. Senator Kenneth Wherry, and former New York Times editor, Raymond McCaw, were both born and raised in Liberty.
From material gleaned from the recent Gage County History book.


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My friend Emily keeps exclaiming over her homemade applesauce. So one day last week I went to visit her and the minute I walked in I noticed she had the yummiest candle burning. Come to find out it was a batch of applesauce she was cooking in her crockpot. Holy Moly did it smell good! So I came home and gave it a shot and it blows the grocery store stuff out of the water. So I don't know if this is the recipe she used but this is one I found on Food.com and it was amazing stuff.
- 4 lbs apples, cored and sliced thin
- 1/2 cup sugar
- 1/2 teaspoon cinnamon
- 1 tablespoon lemon juice
- 1 cup water
Do you have a recipe you'd like to share? Please link directly to your post, not your homepage, and please link back here to The Grocery Cart Challenge.


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This relationship advice forum will help you maintain a healthy partnership. For people seeking advice and support from the community in relation to relationship issues.
Use this control to limit the display of threads to those newer than the specified time frame.
Allows you to choose the data by which the thread list will be sorted.
Order threads in...
Note: when sorting by date, 'descending order' will show the newest results first.


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Welcome to Dark Cavern Real Players Club
Dark Cavern Real Players Club is Interracial Swinging at Its Hottest !
We're an Upscale Private Membership Lifestyle Club which provides a fun relaxed non pressure environment for discreet upscale sensually open-minded couples, select single females and a LIMITED number of select single men of ALL races who enjoy or fantasize about swinging with people of different races and ethnicities in the company of beautiful, fun, like-minded people.
As one of the best couples and select singles private party groups; DCRP Club draws the hottest most erotic fun couples and select singles you could ever meet! Experienced Lifestylers as well as newcomers will enjoy the sensuous atmosphere and ambience! Our monthly parties are held in the greater Tampa Bay, Ft. Myers, Orlando and Ft. Lauderdale areas of Florida.
You should expect to have a wonderful time here, reveling in the company of other incredible people who seek to explore the erotic side of life in the company of beautiful, fun, like-minded people like yourselves. Our sexually charged atmosphere will both excite and tempt you!
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DCRP Club Newsletter
Hot Chocolate Parties and our select "A Team" members are proud to announce that we are a sponsor of and will be attending LoveVoodoo's Colorful Fantasies - All Inclusive Trip to Hedonism II August 13-20, 2011 in Negril, Jamaica!
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While this event is two years from now, they have to charter these cruise ships well in advance in order to secure a ship of this magnitude. This cruise will sell out period! The only question is, are you going to be a part of it or not?
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May 16, 2010
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May 18, 2009
May 18, 2009
CAMBRIDGE, Mass. - Coming on the heels of earning NEWMAC Player of the Year accolades, senior Thomas Phillips was tabbed to the New England Intercollegiate Baseball Association (NEIBA) All-New England Division III Second Team. The honor is the first for MIT since 2005 and seventh overall.
Phillips finished the regular season as the NEWMAC leader in batting average (.430), runs batted in (50), homeruns (12), and total bases (108). He also established new MIT season standards for slugging percentage (.800), on-base percentage (.534), homeruns, RBI, and total bases.


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The English faculty at Marquette University are actively engaged in research and publication as well as in teaching and service. Committed to the scholar-teacher model, the faculty believe that university teaching introduces students into the world of the scholar where knowledge is constructed and concepts of academic discourse are formulated, applied, and revised. To demonstrate their commitment to teaching, faculty regularly conduct courses at all levels, from introductory surveys through doctoral seminars.
Full-time faculty
Adjunct Faculty


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Court Tells Omega Copyright Is Not A Sword; Rejects Attempt To Control Grey Market As Copyright Misuse
from the well,-look-at-that dept
Omega then claimed that Costco selling (legitimate) secondhand Omega watches that were bought from other sources was copyright infringement. We thought this was a crazy claim and pointed out two problems with it under the law. The first was that it seemed like copyright misuse, and second that it appeared to violate the first sale doctrine, allowing you the right to sell copyright-covered products you legally bought. The district court tossed out the case on the first sale question, but unfortunately, the appeals court overturned, with really convoluted reasoning. Since, US copyright law says first sale rights apply to all products "lawfully made under this title," Omega argued, and the court agreed, that objects made outside the US were not "made under this title," and thus had no first sale rights. It's pretty ridiculous that the court would let that go forward, but to make matters worse, the Supreme Court totally punted and just let the appeals court ruling stand.
But... the case wasn't over just yet. The appeals court and the Supremes were just focused on the narrow question of if the First Sale doctrine applied. So the case went back to the district court... and once again, the court has dumped the lawsuit... and went with the other big problem we saw with Omega's sneaky little plan: copyright misuse. This was a bit of a surprise. You don't see "copyright misuse" cases that often, and it's even rarer when that argument succeeds. But the judge was pretty clear.
Omega concedes that it decided to affix a new copyrighted design to the reverse side of its watches to take advantage of copyright law's importation limitations. In other words, Omega used the defensive shield of copyright law as an offensive sword.It's nice to see copyright misuse actually being used in court... and even nicer to see it succeed (so far). It would be nicer, still, if more courts actually started to use that Fourth Circuit definition of copyright misuse: "violative of the public policy embodied in the grant of copyright." Considering how many copyright cases these days would qualify as copyright misuse under those terms, it's a shame that the courts haven't declared copyright misuse more frequently.
The Ninth Circuit adopted the Fourth Circuit's definition of copyright misuse.... The Fourth Circuit held that copyright misuse occurs when "copyright is being used in a manner violative of the public policy embodied in the grant of copyright.".... The Ninth Circuit later clarified that "the misuse defense prevents copyright holders from leveraging their limited monopoly to allow them to control areas outside of their monopoly."...
Here, Omega concedes that a purpose of copyrighted Omega Globe Design was to control the importation and sale of its watches containing the design, as the watches could not be copyrighted. Accordingly, Omega misused its copyright of the Omega Globe Design by leveraging its limited monopoly in being able to control the importation of that design to control the importation of its Seamaster watches.


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The new veterans home in Payson, Utah, will have its grand opening in June. We would like to have enough lapghans to present them to the veterans. Each veterans home needs 120 lapghans.
We are proud to say we now have completed 83, but we have a long way to go. The lapghan must be 36-inches by 46-inches. They can have no fringe. They can be crocheted, knitted, or sewn. The yarn or material must be washable. We would love to get some sewed lapghans made out of fleece or some other warm material.
If you need yarn, or you would like to donate yarn, or need a crochet pattern, please stop by Nifty Fashions, 89 E. Center St., and I would be happy to help you.
We have a wonderful bunch of ladies working hard, but we need more help. Please see if you can find the time to make one.
—Patti Murphy,
American Legion Auxiliary and R.S.V.P.