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Nineteenth in a series of posts, each one analyzing a single panel from a Jack Kirby-drawn comic book.
I came late to Jack Kirby. Accustomed as I was to the more hyperbolic postures of the Buscemas, it came as something of a shock to look over my shoulder and find Gods and Monsters who seemed positively… human. Almost. The Hulk as smaller green troglodyte; Thor as practically lithe, compared to the one whose biceps popped in agonal struggle even while their owner was at rest. You'd think I, a scrawny kid, would've found these figures more relatable. The opposite is true. Part of it's the desolation of landscape, part of it a different kind of quiet that bled through. This panel, from The Avengers #1 (September 1963), feels typical. Here, the most material of Marvel figures — well, with Ben Grimm — fades towards translucency, while the least human (I suppose this is debatable, but I always found Thor so) gives chase. The perspective is hopelessly fucked, those mountains and patches of scrub seeming at once too puny and too pressing, while Thor's little soliloquy (even as written by Stan Lee) points towards a loneliness that's everywhere in Kirby. Later in the same issue it's echoed by the Wasp: "Henry! Did you see that gorgeous Thor? How can I ever make him notice me?" Invisibility. Intangibility. Compared to the cataclysmic physicality I was used to — rocks, trees, buildings just there to be demolished; heroes and villains whose agency was plain — it was just too much, or not enough. I wanted things to feed the adolescent fantasy of becoming. Now, of course, it's all plain. One spends a lifetime trying to matter. Wishing, at times, one didn't have to. Kirby encoded that ambivalence, those riddles of perception, better than anyone.
SUBSCRIBE to this series via RSS: http://hilobrow.com/tag/kirb-enthusiasm/feed/
CHECK OUT "Cosmic Debris: Kirby in the '70s," a series running in tandem with "Kirb Your Enthusiasm" at the 4CP gallery of comic book details | Kirby cutaways and diagrams collected at the Comic Book Cartography gallery | Joe Alterio's Cablegate Comix and HiLobrow posts about comics and cartoonists, and science fiction | The Jack Kirby Chronology | scans of rare 1940-50s Kirby comics at the Digital Comic Museum | Joshua Glenn on the New Gods generation
POSTS IN THIS SERIES: Douglas Rushkoff on THE ETERNALS | John Hilgart on BLACK MAGIC | Gary Panter on DEMON | Dan Nadel on OMAC | Deb Chachra on CAPTAIN AMERICA | Mark Frauenfelder on KAMANDI | Jason Grote on MACHINE MAN | Ben Greenman on SANDMAN | Annie Nocenti on THE X-MEN | Greg Rowland on THE FANTASTIC FOUR | Joshua Glenn on TALES TO ASTONISH | Lynn Peril on YOUNG LOVE | Jim Shepard on STRANGE TALES | David Smay on MISTER MIRACLE | Joe Alterio on BLACK PANTHER | Sean Howe on THOR | Mark Newgarden on JIMMY OLSEN | Dean Haspiel on DEVIL DINOSAUR | Matthew Specktor on THE AVENGERS | Terese Svoboda on TALES OF SUSPENSE | Matthew Wells on THE NEW GODS | Toni Schlesinger on REAL CLUE | Josh Kramer on THE FOREVER PEOPLE | Glen David Gold on JOURNEY INTO MYSTERY | Douglas Wolk on 2001: A SPACE ODYSSEY | MORE EXEGETICAL COMMENTARIES: Joshua Glenn on Kirby's Radium Age Sci-Fi Influences | Chris Lanier on Kirby vs. Kubrick | Scott Edelman recalls when the FF walked among us | Adam McGovern is haunted by a panel from THE NEW GODS | Matt Seneca studies the sensuality of Kirby's women | Btoom! Rob Steibel settles the Jack Kirby vs. Stan Lee question | Galactus Lives! Rob Steibel analyzes a single Kirby panel in six posts | Danny Fingeroth figgers out The Thing |


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One Outs Final Episode 25
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After last Friday's victory against Sweden, Denmark coach Morten Olsen gave his players the night off to celebrate, and gave them permission to have a few drinks.
Clearly, this was a big mistake. The next morning a fellow guest at the Hotel Marienlyst in Elsinore alleged that he was assaulted by drunken members of the Denmark team, and allegedly named Bendtner and Agger as the culprits.
Aftonbladet reported:
"One of the Hotel's guests was seen on Saturday outside the police station in Elsinore with his arm in a sling. He wanted to accuse the players of assault, and over the weekend police took up the case and interviewed the suspects.
"Yesterday, however, the case was dropped because of conflicting information and lack of evidence, no Denmark players are suspected of any crimes at this time".
The Danish FA has confirmed that no disciplinary action will be taken against any of its players.
Hmmm. Not the greatest way to prepare for Liverpool's upcoming games against Chelsea and Man City.
What was Olsen thinking anyway, allowing his players to drink only a couple of days before their next international game? Hardly professional management IMO.
On the plus side, initial reports indicate that Agger emerged from the whole situation without any new injuries.
Every cloud has a silver lining :-)
Jaimie Kanwar
This is a site for reasoned, adult discussion. ALL views are welcome, and if someone's football-related opinion doesn't fit your pre-conceived notion of what constitutes an LFC 'fan', then tough luck. Posts containing personal insults, belittlement, sniping, deliberate antagonism, etc will be deleted. Repeat offenders will be banned. Attack the argument, not the person. Ultimately, it's simple: be as vehement and passionate as you like, but please remain civil at all times.Thank you.


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- Reviews
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most comfortable shoes I've ever had I have 3 pairs
Las que tengo son rojas y son una pasada, las alpargatas más cómodas que he comprado, no pesan nada, no dan calor, no aprietan, sin rozaduras, perfectas para el verano, seguro que me compro otras en otro color.
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Elizabeth C Weekley
Super comfy shoes. I felt like they ran a little big, but these are the ultimate summer kicks!


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These are actually nice socks to ride in. They are thin on the calf, breath well and have some cushion around the foot. Buy them.Read All Reviews
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Very comfortable with extra material where it counts. Highly recommended.Read All Reviews
colin in GA
If you're a starter or not very experienced this is a great boot, but once you get good enough then you can upgrade to a higher class boot. I love these boots and I ride once a week.Read All Reviews
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This is my second pair of alpinestars boots. Before these I owned the Tech 3's and I decided I wanted to upgrade to a better boot. They are more expensive but they are well worth the money, they are really comfortable to wear. They honestly feel like tennis shoes. But, as a racer I need good protection but also good mobility and these give me both. After 3 races and a couple practice sessions they still look close to brand new. I highly recommend these boots to anyone, Alpinestars always makes great products!Read All Reviews
collin in New Hampshire
I bought these gloves to replace an older pair and an inch on the side of my index finger ripped out half way through a hair scramble first time using them. After a couple months of using them the sticky parts on the fingers and palms are coming off. Simply not worth the money.Read All Reviews


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July 31, 2014
ALBANY, N.Y. (AP) -- Nationwide Mutual Insurance Co. has become the first major insurance company to say it won't cover damage related to a gas drilling process that blasts chemical-laden water deep into the ground.
Nationwide spokeswoman Nancy Smeltzer said Thursday the Columbus, Ohio-based company's personal and commercial policies "were not designed to cover" risk from hydraulic fracturing, or fracking.
The process injects chemically treated water into wells to fracture shale thousands of feet underground and release gas or oil. There are rich shale deposits in parts of Pennsylvania, New York, Ohio, West Virginia and elsewhere.
Health and environmental groups claim fracking can contaminate drinking water. The gas industry says it's safe if done properly.
Nationwide says risks involved in fracking operations "are too great to ignore" and apply to policies of commercial contractors and landowners who lease property to gas companies.
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Faculty and Staff
Faculty members in our department are committed to excellence in teaching and engaging our students in scientific research.
|Department Head:
Cynthia A. Atterholt
Associate Department Head:
William R. Kwochka
Ph.D.; Associate Professor, Environmental Chemistry
Ph.D.; Associate Professor, Organic Chemistry
|Chemistry Faculty:
|David J. Butcher
|Ph.D.; Professor, Analytical Chemistry
|Karen Butcher
|Ph.D.; Instructor, Chemistry
|Paul H. Davis
|M.S.; Lecturer, Chemistry
|Channa R. De Silva
|Ph.D.; Assistant Professor, Bioinorganic Chemistry
|Brian D. Dinkelmeyer
|Ph.D.; Associate Professor, Organic Chemistry
|David D. Evanoff, Jr.
|Ph.D.; Assistant Professor, Analytical Chemistry
|Carmen L. Huffman
|Ph.D.; Associate Professor, Physical Chemistry
|Scott W. Huffman
|Ph.D.; Associate Professor, Analytical Chemistry
|Charles F. Marth
|Ph.D.; Instructor, Organic Chemistry
|Arthur L. Salido
|Ph.D.; Associate Professor, Analytical Chemistry
|Jack S. Summers
|Ph.D.; Associate Professor, Inorganic Biochemistry
|Forensic Science Program:
|Brittania J. Bintz
|M.S.; Research Scientist
|Mark R. Wilson
|Ph.D.; Associate Professor; Director
Physics Faculty:
|Kelley Dinkelmeyer
|M.S.; Instructor, Physics
|Enrique A. Gomez
|Ph.D. Assistant Professor, Physics
|Paul A. Heckert
|Ph.D.; Professor, Astronomy and Physics
|Yee Kao
|Ph.D.; Lecturer, Physics
|Matthew J. Rave
|Ph.D.; Assistant Professor, Physics
|Mesfin A. Woldeyohannes
|Ph.D.; Associate Professor, Physics
|Wesley W. Bintz
|Research Operations Manager
|Lynley E. Hardie
|Administrative Support Associate


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Kathy pulls a "Jim Carrey." Too bad he's not legal, Kath!
Ready, wet, go!
Jacqueline clarifies some things about the Ashley intervention.
Find out the trouble she caused alongside the Prince of Dubai.
Oh, and a Grammy performance.
Season 1's winner is ready to blog from the other side, and has some choice words for Season 2's cheftestants.
Destin explains what went wrong with David and his new hairstyle.
Gail Simmons breaks down the early competition, and gives the scoop on some of her premiere fashions.
Hubert Keller assesses the season premiere's disappointments and triumph.
Dannielle Kyrillos breaks down the cheftestants' fairytale offerings.
Andy, Patti, and other Bravolebs help her celebrate.
RHONJ star blogs about her westward migration.
Jenni would do anything for Casey, even if it involves doodie duty.


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For the rest of the year, we'll be spotlighting our KEXP DJs Top Albums of 2013. View all our DJ's favorite albums here, and see what KEXP listeners voted for in our 2013 Top 90.3 Albums Countdown here. janice's 2013 top ten albums To reiterate from previous years, I'm not a DJ, but one ofRead more...
All In! KEXP's Music Match!
Listen Live:
KEXP AND THE UWKEXP is a service of the
University of Washington
iTunes and KEXPYou can now find KEXP under "Eclectic" in iTunes after the demise of the "Public" category, to better represent the diversity of our daytime variety shows and numerous specialty programs.
KEXP Suggests


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Keira Knightley.com Forums - View Single Post - how long... in the sack?
how long... in the sack?
View Single Post
devine kk
Join Date: Nov 2004
Location: leeds, UK
Posts: 200
I tend to find that if you do it more than once in a night then the length of time it takes gets longer. That is of course unless you wait like an hour before having another go. Try 5-10 mins gap and it should take longer. If not unlucky chap, you could try thinking of something really boring but obviously still look happy or it could be the last time.
There are techniques to delay the onset. One is to hold the end of your p***s between figure and thumb and squeeze gently. Give it a go, just keep your other hand busy if you know what I mean.
When there is always biscuits in the tin, where is the fun in biscuits
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Subway Extension — Hudson Yards Rezoning and Development Program
Project Description
The Metropolitan Transportation Authority and the City of New York Department of City Planning propose to promote the transit-oriented redevelopment of the Hudson Yards area ("the Hudson Yards"), which extends generally from West 28th Street on the south, Eighth Avenue on the east, West 43rd Street on the north and the Hudson River Park on the west. The proposed action includes
Construction and operation of an extension of the Subway Line to serve the Hudson Yards
Adoption of zoning map and text amendments to the New York City Zoning Resolution and related land use actions to permit the development of the Hudson Yards as a mixed-use community
Other public actions, including
Expansion and modernization of the Jacob K. Javits Convention Center, including the construction of new exhibition space and a new hotel,
New or replacement transportation facilities for pedestrian movement, vehicle storage and other public purposes.
- Construction Update (October 2009)
- Construction Update (November 2008)
- Project Goals
- Current Conditions
- Project Schedule
- Project Documents and Presentations
- Keeping in Touch
Project News
- Google Translate


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|Amount Per Serving
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|Prickly Ash Bark Extract
|500 mg
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|Amount Per Serving
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|Prickly Ash Bark Extract
|500 mg
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Merle J. "Bud" Smith, 90, of Cedar Falls and formerly of Oskaloosa, died Oct. 26, 2012, at the Windsor Nursing and Rehab Center in Cedar Falls.
Mass of Christian Burial will be held at 10 a.m. Wednesday in St. Mary's Catholic Church in Oskaloosa; with Rev. Jeff Belger officiating.
Burial will be in St. Mary's Cemetery in Oskaloosa. Graveside military rites will be given by members of the Oskaloosa American Legion and VFW.
Visitation will begin at 11 a.m. Tuesday in Bates Funeral Chapel with family present from 5-7 p.m. There will be a Christian vigil service at 7 p.m. Tuesday in the funeral chapel.
Memorials may be made to VFW Post 2237 or Alzheimer's and Related Disorders Association.


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Stay Financially Healthy by Understanding Your Earnings
Just about everybody has made the mistake of overestimating the money they think they have coming in. And then you learn the secret: there are costs that reduce your "take home pay". Knowing what they are and when they kick-in … Continue reading


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JEFFERSONVILLE — A Louisville man charged with selling heroin in Clarksville appeared in a Clark County court Wednesday for his initial hearing.
Clarksville police reported Gregory Sawyers, 33, was seen by officers making the drug deal Feb. 7 in the parking lot of Circle K on Eastern Boulevard near Interstate 65. Police recovered 1.3 grams of heroin after his arrest.
Sawyers was represented by attorney Bill Gray during the proceeding, during which presiding Judge Jerry Jacobi entered a not guilty plea on Sawyers' behalf.
Sawyers has been charged with dealing of a narcotic drug, a class A felony, possession of a narcotic drug, a class B felony, and habitual substance offender.
The heroin transaction took place within 1,000 feet of St. Anthony Elementary School. The proximity to the school resulted in an enhancement of the felony charges.
The habitual charge was issued on a basis of previous, unrelated drug convictions.
According to the Office of the Clark County Prosecutor's Office, in 2001, Sawyers was convicted of marijuana possession, and in 2005 he was convicted of trafficking in a controlled substance. The convictions occurred in Kentucky courts, Gray said.
Following his arrest, Sawyers was being held under a $25,000 full-cash bond.
During the hearing, Gray requested the bond be modified to $25,000 court-cash, which would allow him to be released with a $2,500 bond payment. Gray and Clark County Deputy Prosecutor Matthew Lemme approached the bench to discuss the bond modification with Jacobi.
Following the brief conversation, Jacobi set Sawyers' bond at $50,000 court-cash.
"I thought the standard bond, being $25,000 court cash, was appropriate," Gray said after the proceeding.
Sawyers is scheduled to return to the court March 25 for a pretrial hearing.
According to Jefferson County court officials, Sawyers has been booked into Louisville Corrections 18 times since 1997.


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Universal Fit
Manufacturer: Logitech Manufacturer: SENTRY 3 Results
Logitech UE 900
"Switched to these from a TDK BA200 and the difference is phenomenal. I only paid about 80quid more for these than the BA200 with all the discounted sets appearing here and there. The first thing I noticed after getting a good fit was the immense soundstage. They are very detailed and clear in reproducing music, but are rather lenient on most lower quality mp3 recordings. This is a plus for me..." --efgwew
Logitech Ultimate Ears 350vi Noise-Isolating Headset (Silver)
Ultimate Ears 350Vi - Headset - Binaural - Wired - Ear-Bud - 20 - 20000
Sentry Ho228 In-Ear Stereo Headphones
This digital stereo headset comes pack with a storage case , no more cables around just storage them after you use them. 3.5mm jack allows you to use this headset with a wide range of portable electronics.


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First-Time Home Buyers Missing Out on Housing Recovery
Tougher lending standards squeeze out potential borrowers.
According to Robert Simons, a professor of urban planning at Cleveland State University, FHA is now behaving like the big banks by avoiding borrowers who give the slightest hint that they might not be able to keep up with payments.
"Their taste for risk is complicated by how their overall portfolio is doing," Simons says, referring to the $16.3 billion shortfall. "If they have a lot of defaults, they will continue to have an unacceptable level of capital."
[Read: 6 Tips for a Budget-Friendly Home Makeover.]
Changing attitudes toward housing. Simons says first-time buyers might be avoiding the housing market because of the hangover from the housing crisis. He says they are turned off by the unpredictability of the investment. "People are disillusioned. They don't see appreciation like they once did," he says. "There's a false hope of growing wealth in a house. People are being more selective about where they buy."
Simons also believes the culture of foreclosure that persisted throughout the crisis has negatively influenced attitudes toward the housing market. "People who went through it themselves, or know people who went through it, are definitely turned off. People who defaulted will not buy quickly," he says.


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Collarbone (Clavicle) Fracture
What Is It?
When a bone breaks or cracks, the injury is called a fracture. In the collarbone (clavicle), fractures can happen in three separate areas:
The collarbone is one of the most common fractures. In most collarbone fractures, the ends of the fractured bone do not move apart widely, and the area of tissue damage involves only the collarbone. In rare cases, a sharp portion of the fractured bone either will pierce the surface skin (an open fracture), or cut into one of the large nerves or blood vessels that travel through the shoulder. In severe impact injuries, it is also possible for a portion of the fractured collarbone to penetrate the upper part the lung, causing serious breathing problems.
Page 1 of 9 Next Page: Collarbone (Clavicle) Fracture Symptoms
From Health A-Z, Harvard Health Publications. Copyright 2007 by the President and Fellows of Harvard College. All rights reserved. Written permission is required to reproduce, in any manner, in whole or in part, the material contained herein. To make a reprint request, contact Harvard Health Publications. Used with permission of StayWell.
You can find more great health information on the Harvard Health Publications website.


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text: Quote:I have a Funk & Wagnalls Encyclopedia from the early 1980s. For years I use to receive the annual yearbooks and the science yearbooks because I enjoyed the light reading. I always promptly paid the invoice for the yearbooks. By the year 2000 I tired of reading the yearbooks and right after receiving the year 2000 yearbooks, I decided to inform Funk & Wagnalls via a formal letter that in the future I no longer want them to send me any more yearbooks. Even though I sent the letter, the following year they sent me a 2001 yearbook. I promptly returned the yearbook to Funk & Wagnalls along with a second letter explaining that a year previous I had already sent them a letter asking them to stop sending me the yearbooks. I even personally paid for the return postage of the book via certified mail to be certain that they received the unwanted book I was sending back. After another 6 months, I began getting statements from Funk & Wagnalls that I still owed them the money for the returned book. After another 6 months, I received a letter from a collection agency advising that if I dont pay for the book legal action will be taken against me. I then sent Funk & Wagnalls copies of the letters that I had previously sent them along with a copy of the U.S. Post office record that the book had been returned to them. I asked them to inform their collection agency that the account is settled. That still didnt stop the letters from the collection agency. After several more threatening letters from the collection agency each getting more intense, I decided enough is enough. I finally took all my records with me to an attorney to assist me so that the collection agency would not hurt my credit. Shortly after that I received a letter of apology from the collection agency but none from Funk & Wagnalls. That was about 10 years ago and I still am bitter over the fact that it took an attorney to settle the situation. Although a different publisher, Astronomy magazine has been sending unsolicited DVDs for a several years now. There have been few other threads relating to this problem. In all those threads, I havent read any posts that publisher of Astronomy magazine has resorted to using a collection agency; but these threads certainly remind me of the experience I had with Funk & Wagnalls. I dont subscribe to Astronomy magazine.


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Dawn Burleigh
The Orange Leader
Orange County Parks Department is ready to start removing the dead trees in the county parks.
Parks Director Donna Scales was scheduled to request approval from the Commissioners Court on Monday for the Road and Bridge Department to cut down and remove 12 trees at Gould Park in Vidor, 60 trees at Claiborne West Park, and 1 tree at Bluebird Fish Camp in Orange.
Scales asked the court to pass on the agenda item at this time.
"I will ask at a later date if we still need Road and Bridge to help," Scales said. "I believe we can do it within our budget."
Scales said that a recent event where a tree limb fell on a walker in the Vidor area prompted her to evaluate the trees in the parks.
"We see dead tree limbs on the side of the road all the time," Scales said. "The public should be aware that dead trees need to be removed to prevent injuries to others."
The state funded portion of the Orange County Convection and Expo Center is scheduled to be completed by Feb. 27. Delays pertaining to the installing of telephones will delay the county portion from being completed until March 27. The delays will prevent departments from being able to move into the new offices until April or May.
Orange County Commissioners Court approved the interest paid through the duration of the Tax Anticipation Note with Wells Fargo. The total paid for interest was $52,867.50.
"This is considerable less than the predicted $80,000," County Judge Carl Thibodeaux said. "That is because we were able to pay the note before it reached maturity."
The court also recorded into the minutes of the meeting the deposit from State Comptroller of Public Accounts in the amount of $438,611.06 which represent the 1/2-cent Sales and Use Allocation for the month of Dec. 2012.
"That is $48,000 more than last year," Thibodeaux said.
The court approved the judge to sign the Advance Funding Agreement with TxDOT on the repair or replacement of the East Roundbunch Swing Bridge.
The court was also asked to approve the hiring of four positions: 1 custodial position and 1 Maintenance Tech position for the Maintenance Department, 1 part time driver and 1 dispatcher for the Transportation Department.
"We are down three positions from last year," Mark Wimberly, maintenance director said. "We ask for patience with our department as we fill those positions."
Orange County Commissioners Court will meet at 10 a.m. on Monday, Jan. 18. The meeting is being held at an earlier time due to commissioners attending Continuing Commissioner Education classes.


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It's no secret that the housing crisis caused difficulty in obtaining a mortgage. Even dual-income, married households find it much more challenging to jump through the hoops towards home ownership. This challenge to home ownership can seem nearly insurmountable to persons who are single, divorcing, or divorced. If you are subsisting on only one income, or you expect to in the near future, pursuing home ownership will absolutely require a demonstration of financial stability and a decent credit score.
People trying to purchase a home will be often asked "Maybe you can't afford a home if you can't obtain financing." However, this couldn't be further from the truth. Rent is high in the State College area, and obtaining a mortgage for a home will commonly equal a rent payment for an equivalent living space. Add to that the bonus of locking in a mortgage rate and payment for the next fifteen or thirty years, and obtaining a mortgage appears to be a financially sound decision.
There are numerous complications you can run into if you are single, divorced, or divorcing, and trying to obtain mortgage financing. A few of the common issues are the following:
· Child Support: Can you use child support as income to qualify for a mortgage? The answer depends on the situation. If you are receiving child support, you will have to persuade your bank it is a source of continuing income you have been receiving, and that you will continue to receive it for a considerable length of time.
· If you receive child support for older children, who may be 15 or 16 years old, for example, you will probably not be able to use most, if not all, of your child support as income to help you qualify for a mortgage. The reason would be because the bank would recognize that this income would cease in the near future, and would therefore not help you make regular mortgage payments.
· If the amount of your child support constantly changes, perhaps because of late payments or petitions to modify the support, your bank will feel it cannot determine what amount you will actually receive each month to assist you in paying your mortgage. Thus, your bank will be reluctant to count your child support as income in order to qualify for a mortgage.
· Job Continuity: Have you had several jobs in the past few years? This could lead to difficulty in securing a mortgage. Routinely, a parent stays at home with young children, and if that parent becomes separated, he or she may obtain a new job. Or, alternatively, a parent separating from their spouse must obtain different employment with a higher salary or more flexible schedule.
Banks want to be sure you have a secure source of income, because they believe this lessens the chance you will default on your mortgage. Maintaining the same employment for two or more years can be the difference between receiving a mortgage or not. Periods of unemployment here and there, even if you still pay your bills on time and have a good credit score, can end the opportunity for a mortgage.
· Consistent Credit Score: Keeping a good credit score throughout your mortgage process is vital. You need a good credit score to qualify for a mortgage loan, and you need to maintain a good credit score up until the day your close on your mortgage. Banks can and will pull your credit report again right before you are scheduled to close on your mortgage. Below is some advice on how to maintain a good credit score until closing:
· Avoid major purchases before closing on your mortgage. If you, as an example, purchase a washer and dryer on your regularly-used credit card, even if the purchase occurs after receiving a commitment letter from your bank, the much-higher balance on your credit card will be reflected on your credit report. This will make your bank wary, and could result in a delay or cancellation of your mortgage. Therefore, it is best to refrain from major purchases before closing on your mortgage.
· Avoid pulling your credit report and/or opening new credit before closing on your mortgage. Opening new credit or having your credit report pulled will cause your bank concern. The bank will view this as an attempt to increase your debt, and increasing your debt would make it more difficult to pay your mortgage. Waiting until after closing to obtain new credit or have your credit report pulled is the smartest course of action.
· Keep your credit card balance low before closing on your mortgage. It is best to have your credit card balances stay under 30% of your total available balance, and even better to keep it under 16%.
· You should also be aware that your minimum monthly credit card payments, along with other regular monthly payments, are counted toward your 'debt to income ratio'. This ratio is determined by dividing your debt with your recognized sources of income. Your 'debt to income ratio' cannot surpass a percentage of your income in order to qualify for your mortgage. The amount of the allowable percentage depends on the type of mortgage you wish to qualify for. Thus, if you are dangerously close to the highest possible 'debt to income ratio' for the type of mortgage you want, and your monthly credit card payments rise from $20.00/month to $75.00/month before closing, this could affect your 'debt to income ratio' and prevent you from securing a mortgage.
· Unresolved Divorce Issues: Did you file for divorce? Are you thinking about filing for divorce? If you want a new mortgage, then be careful. Your bank will find out if you are a party to an unresolved divorce.
· If you are a party to an unresolved divorce, and you want a new mortgage, then you may want to consider settling your divorce before beginning the mortgage loan process. If you have not resolved your divorce, your bank cannot be sure whether or not you will be financially tapped through a marital settlement agreement, a court order, or unexpected litigation in your divorce. Having your divorce settled will ease your bank's concerns that you will not be required to pay your soon to be ex-spouse a large monthly alimony payment, for example. If that were to happen, it would clearly affect your ability to afford a monthly mortgage payment.
· Often, a spouse will separate from their partner but wait to file for a divorce, perhaps for financial reasons, or perhaps due to procrastination. Filing for divorce before closing on your mortgage could have a detrimental impact on your ability to obtain the mortgage. However, every person's overall circumstances are unique, and discussing your particular situation with a licensed professional is probably your best course of action, if you find yourself in this situation.
If you are single, separating, divorcing, or a single parent, and you are trying to obtain a mortgage, proceed with caution. Home ownership can be a dream come true, but the road to home ownership can quickly turn into a nightmare given the wrong circumstances.
This article is not intended to provide legal advice for any specific legal situation.


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August 1, 2014
The snow really piled up late last night and into the early morning hours. If you need to be somewhere cancel! Most roads are very dangerous. I was out at around 7am and took a little slip off road and into the brush! I had to work the old vehicle out, but I got it out! Will I be as lucky here in a few minutes? I hope so!
The snow will begin to taper off for many of us later this evening, but it wil still fall through Tuesday. The heaviest accumulation has fallen and some areas will only pick up a little more. Not that we need anymore snow.
I'll work on a graphic or a list of totals later today.
Stay safe and I'll have a full update later!
C-Ya Bye


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As retailers are going through a consumer revolution in the way you perceive and purchase products, there is a new issue on the horizon that is impacting big-box, category-killing retailers like Target, Wal-Mart and Best Buy – called "show rooming".
If you have ever gone to a retail store ("brick"), found and examined the product you were looking for, and then went home to buy it online ("click") you "show roomed".
You scoped out the merchandise, but understandably wanted to pay the best price – which you found on the Internet. Regardless of the wait and the shipping and handling, you bought it electronically and saved. So, if you are the retailer who lost out on the sale, now what?
To combat this problem retailers have resorted to new approaches that will hopefully further benefit the consumer buying experience:
- WORK WITH MANUFACTURERS TO MAKE EXCLUSIVE PRODUCTS. It can't work for the little guys, but the big-box retailers have enough clout to request and offer unique goods not available anywhere else. Unique goods that you can defend as a reason for your retail loyalty.
- OFFER COUPONS DIRECTLY TO CONSUMERS VIA MOBILE PHONES. Daily-deal alerts, exclusive discount paperless coupons, and loyalty reward specials are easy to pick up and use right at the cash register with your smart phone. These are the equivalent of personalized prices and may be the most strategic way retailers will beat the web competition at their own game.
- EMPHASIZE IN-STORE PICKUPS FOR ON-LINE ORDERS. As a consumer, you won't have to pay the shipping fee and can have the instant gratification (well, almost instant) within the hour. Retailers get insure that you bought at their website and no others. Maybe while you are picking up your new DVD player at the store you might buy some DVDs and popcorn too.
- HAVE RETAIL CLERKS SEND CUSTOMERS TO THE WEBSITE IF THE PRODUCT ISN'T ON THE SHELF. Under the category, "if you can't beat them, join them" credit the online purchase to the store closest to the address of the customer who ordered via the Internet.
- MAKE THE PROCESS SEAMLESS. Invest in computers and tablets for the retail store associate/retail selling floor to identify your previous purchases and make it easy to get what you want, when you want it, no matter where you are -- at the store or at the home computer.
- AND BE AWARE OF THE FUTURE. According to a recent Advertising Age study and report on retailing, "giants such as Amazon, eBay, Google and Living Social are all looking into the potential of physical stores."
Just what we need…even more choice.


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General Electric JB850STSS (Stainless Steel)
30" wide freestanding electric range
Dual ovens offer 6.6 cu. ft. of total space - perfect for serving up those big family dinners. A 6"/9"/12" Tri-ring burner and 6"/9" Powerboil element help out too. And cleanup won't be a chore with self-clean cycles in both ovens and a smooth cooktop design.


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Obvious Signs Of A Guilty Dog
22 Maniacs Who Took It Too Far
15 Facts You Didn't Know About SpongeBob SquarePants
Top 5 Fastest Planes Ever Built
Timing Is Everything: Hilarious Accidental Photos
Who Knew Animals Could Be This Friendly
21 Plastic Surgery Disasters
Think She's Cute? Just You Wait!
27 Russian Dating Site Members You Don't Want to Mail Order
23 Pets Riding With Their Owner Like a Boss
18 Cute Girls Gone Ugly
11 Pictures of Deadly Animals Snuggling with People
22 Concerning Examples of the Power of Makeup
15 Rebels Who Just Can't Be Tamed
'Melting Man' Turns Down Plastic Surgery to Pay for Daughter's Wedding
This Is What a Bad Day Looks Like
This is How Strangers Judge You
The Grossest Criminal Ever Punks Cops
25 Cats Sleeping In The Most Ridiculous Positions
Something In The Ocean Is Eating Great White Sharks
This Abandoned Underwater Strip Club is Unbelievable
50 Action Shots of Adrenaline Junkies You Can Vicariously Live Through
15 Photos That Convey the Real Meaning of Evil
Top 10 "Useless" Organs
Subtle Interior Design Changes To Transform Each Room
What Perfect Beauty Looks Like Around the World
Impossible Surreal Photos Will Make Your Jaw Drop
The 30 Weirdest Things Seen on Google Street View
The Biggest Tow Truck Fail in the Universe
Stone Age Diet May Actually Include Plants and Barbecue


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A Glorious Day - We have been blessed with wonderful weather recently. An inch and a half of rain followed by temperatures in the seventies, dipping below sixty at night...
10 hours ago
There is a t-shirt that says "Born in Maine, Living in Exile." I lived in "exile" (actually a very nice place) for 32 years, and returned to Maine in 2005. That's not necessarily what all this is about, just the only title I could think of at the time.


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Don't fret! Check out these suggested similar and related items below. Happy shopping!
Champion Juicer - Grain Mill Attachment for Champion Juicers
Using Champion Juicer's handy Grain Mill attachment with the Champion 2000+ Juicer, you can quickly and easily prepare ingredients that are as nutritious as they are delicious. It's a quality you can taste in your family's favorite recipes. The Grain Mill should be used only with DRY GRAINS such as wheat, rye, oats, barley, and rice.
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text:
F# for Quantitative Finance
save 15%!
save 37%!
|Also available on:
- Learn functional programming with an easy-to-follow combination of theory and tutorials
- Build a complete automated trading system with the help of code snippets
- Use F# Interactive to perform exploratory development
- Leverage the .NET platform and other existing tools from Microsoft using F#
Book DetailsLanguage : English
Paperback : 286 pages [ 235mm x 191mm ]
Release Date : December 2013
Author(s) : Johan Astborg
Topics and Technologies : All Books, Open Source
Table of Contents
Chapter 1: Introducing F# Using Visual Studio
Chapter 2: Learning More About F#
Chapter 3: Financial Mathematics and Numerical Analysis
Chapter 4: Getting Started with Data Visualization
Chapter 5: Learning Option Pricing
Chapter 6: Exploring Volatility
Chapter 7: Getting Started with Order Types and Market Data
Chapter 8: Setting Up the Trading System Project
Chapter 9: Trading Volatility for Profit
Chapter 10: Putting the Pieces Together
This book gives a great introduction into market mechanics and the mapping of business functions to technical features. - Matthias Weiser
I was thrilled reading this book feeling I am an integral part of building something bleeding edge useful out of carefully crafted re-usable blocks of code, as expressing formulas in F#, trying code in REPL, persisting data, charting cool graphs, and more. - Arthur Zubarev
Code Downloads
Download the code and support files for this book.
Submit Errata
Please let us know if you have found any errors not listed on this list by completing our errata submission form. Our editors will check them and add them to this list. Thank you.
Errata- 18 submitted: last submission 22 Jul 2014
Errata Category: Code
On page no: 110
Under the Finding roots using the secant method heading:
The last line of the code is:
secant (n + 1) N f x x0
It should be:
secant (n + 1) N f x x0 x2
Errata Category: Typo
On page no: 149
Under the Investigating the sensitivity of the greeks heading:
The figure caption is: The surface plot of Delta, Gamma, Theta, and Rho of a call option
It should be this: The surface plot of Delta, Gamma, Theta, and Vega of a call option
Errata Category: Code
On page no: 17
Under the Explaining higher-order functions heading:
The following code snippet:
let squareByFour f
f 4
> squareByFour square
Should be:
Errata Category: Typo
On page no: 49
The statement: We can check whether s1 contains 9
Should be: We can check whether s1 contains 1
Errata Category: Technical
On page no: 40
Under the Interesting functions in an array module heading:
The decription for the Array.zip a b function is Sorts the elements in array a in increasing order, see sortBy to use predicate
It should be: Zips the elements in array a together with elements in b, see zipBy to use predicate
Errata Category: Code
On page: 31
Under the Using functions and values in modules heading:
In the code snippet:
module Module2 =
let Version() =
""Version 1.0"
Should be
module Module2 =
let Version() =
"Version 1.0"
Errata Category: Code
On page: 17 and 18
Under the Currying heading:
In the code snippet:
> sumBy2 4;;
val it : int = 5
> sumBy2 5;;
val it : int = 5
Should be:
> sumBy2 4;;
val it : int = 6
> sumBy2 5;;
val it : int = 7
Errata Category: Code
On page: 26
Under The entire program heading:
let filePath = @" table.csv"
Should be:
let filePath = @"table.csv"
Errata Category: Layout
On page: 39
This can be shortened further, for example, if you select the elements
from the beginning to the element with index 2: array1.[..2]
This section is the part of the text content and not the part of the code.
Please ignore the incorrect formatting.
Errata Category: Code
On page no: 37
The code snippet:
let toggle1 =
match x with
| Buy -> Sell
| Sell -> Buy
Should be:
Errata Category: Code
On page no: 38
Under the Enumerations heading:
let col1 : Color = Color.Red
Should be:
let col1 : RGB = RGB.Red
Errata Category: Code
On page no: 46
After the paragraph: Minimum and maximum values of a sequence are found by Seq.minand Seq.max, respectively:
In the code snippet:
let seq1 = {1 .. 10}
Should be added.
Errata Category: Code
On page no:47
The following line in the code snippet appears twice:
> Seq.filter (fun elem -> elem > 3) seq1;;
val it : seq<int> = seq [4; 5; 6; 7; ...]
One of them should be removed.
Errata Category: Code
On page no: 57
The following code snippet:
let rec tailrecfact n acc =
match n with
| 0 -> acc
| _ -> trecfact (n - 1) (acc * n)
tailrecfact n 1
Should be:
match n with
| 0 -> acc
Errata Category: Code
On page no: 62
Under the Introducing generics heading:
The code indentation should be:
let genericListMaker<'T>(x, y, z) =
let list = new List<'T>()
Errata Category: Technical
On page no: 87
As you can see, the range for the 8-bit signed integers is from -128 to -127
Should be: As you can see, the range for the 8-bit signed integers is from -128 to 127
Errata Category: Code
On page no: 96
Under the Calculating variance heading
The line in the code snippet:
let variance(values=
Should be:
let variance values =
Errata Category: Code
Page No: 16
The line: val sum : x:int -> y:int -> int
Should be: val sum : x:int * y:int -> int
Sample chapters
You can view our sample chapters and prefaces of this title on PacktLib or download sample chapters in PDF format.
What you will learn from this book
- Use Visual Studio as your main tool for writing F#
- Utilize F# to aggregate data and calculate statistics
- Plot and visualize data in F#
- Learn about volatility, delta hedging, and volatility arbitrage
- Understand basic numerical analysis and algorithm implementation
- Model orders and market data together with basic pre-trade risk
- Structure and write object-oriented code
- Develop larger programs using F#
- Explore automated trading systems and quantitative trading models
In Detail
F# is a functional programming language that allows you to write simple code for complex problems. Currently, it is most commonly used in the financial sector. Quantitative finance makes heavy use of mathematics to model various parts of finance in the real world. If you are interested in using F# for your day-to-day work or research in quantitative finance, this book is a must-have.
This book will cover everything you need to know about using functional programming for quantitative finance. Using a functional programming language will enable you to concentrate more on the problem itself rather than implementation details. Tutorials and snippets are summarized into an automated trading system throughout the book.
This book will introduce you to F#, using Visual Studio, and provide examples with functional programming and finance combined. The book also covers topics such as downloading, visualizing and calculating statistics from data.
F# is a first class programming language for the financial domain.
The approach is to guide you as a reader from the basics of functional programming and F# to more complex tasks using tutorials and a lot of code examples. As you gain more confidence through out the book, you will be able to modify and write your own code to solve various problems in finance.
Who this book is for
If you are a practitioner of quantitative finance, economics, or mathematics and wish to learn F#, then this book is for you. You may have a basic conceptual understanding of financial concepts and models, but no previous knowledge is expected.


text:
Media Relations937-229-3241
Leverage Our Expertise
Want to find an expert? Use the search box below to search for a topic. You may enter all or part of the topic name.
Just want to see a list of our experts, scroll through our alphabetized list below.
Viewing experts for: Teaching
937-229-5773Email Thomas J. Lasley, Ph.D.View full profile
Lasley, Ph.D., Thomas J.Professor & Executive Director, EDvention
Quoted in/Interviewed by: The Chronicle of Higher Education, The Christian Science Monitor, The Washington Post, Dayton-area media.


text:
|News » Archives
March 03, 2005
David Macchi, Valpo's all-time leader in total offense and passing yards, has signed a professional contract to play quarterback for the Bergamo Lions in Italy. Macchi, who established 11 school records, helped the Crusaders capture the Pioneer Football League Championship in 2003.
February 08, 2005
Valparaiso University head football coach Tom Horne announced the appointment of Stan Rettew as defensive coordinator.
November 15, 2004
Valparaiso University's Bill Marshall was selected as the Pioneer Football League Defensive Player of the Week for his performance in the Crusaders' 33-0 season finale victory over Aurora.
November 11, 2004
On Saturday, Valpo will entertain Aurora at 12:30 p.m. in the season finale. Crusader players, coaches and fans will say goodbye to 17 seniors who will be playing their final collegiate game.
November 11, 2004
Valparaiso University football players Chris Daniels and Kevin Knutson were selected to the CoSida Academic All-District V University Division Team by the district's sports information directors.
November 06, 2004
Jeff Horton rushed for a career-high 211 yards and two touchdowns and Ryan Doerffler passed for two scores as Valpo defeated Butler 31-26.
November 04, 2004
On Saturday, the annual rivalry game at 1 p.m. between Valpo and Butler at Valpo's Brown Field carries an extra incentive. The winner of the Parents' Day contest will earn its first Pioneer Football League victory of the season in the final conference game of the 2004 campaign.
October 23, 2004
Connor Jostes threw two touchdown passes and rushed for another to lead Drake to a 37-10 Pioneer Football League victory over Valpo. The Crusaders scored their touchdown on a 5-yard run by Joe Milazzo in the fourth quarter. Andrew McCawley added a 47-yard field goal in the final period.
October 21, 2004
Valpo is looking for its first win of the Pioneer Football League season when it travels to Des Moines, Iowa to oppose first-place Drake. The contest is the final road game of the regular season.
October 16, 2004
Todd Mortensen passed for three touchdowns and rushed for another as San Diego defeated Valpo 49-14. Valpo (3-5, 0-2 PFL) scored its touchdowns on a 4-yard pass from Dustin Shamburg to Kenny Keil and on a 5-yard run by Jeff Horton.
October 14, 2004
Valpo will head to the west coast to play San Diego on Saturday beginning at 3:30 p.m. CT (1:30 p.m. PT).
October 09, 2004
Marques Warner and Ryan Wrobleski rushed for two touchdowns each to lead Dayton past Valpo 38-7 on Homecoming. Rob Giancola scored the Crusaders' touchdown - a 16-yard pass from Ryan Doerffler - and needs five points to become the school's all-time leading scorer.
October 06, 2004
Valpo (3-3, 0-0 PFL North) opens Pioneer Football League North Division action on Saturday by hosting Dayton (4-1, 0-0 PFL North) on Homecoming beginning at 1:30 p.m.
October 02, 2004
Morehead State scored 23 points off turnovers as the Eagles defeated Valpo 29-23. Valpo scored 16 fourth-quarter points to pull within six with over three minutes left. The Crusaders (3-3) scored their touchdowns on a 2-yard pass from Dustin Shamburg to Matt Van Daele, a 2-yard pass from Ryan Doerffler to Jeff Horton, and a 13-yard pass from Doerffler to Kevin Knutson.
September 30, 2004
Memories of last year's Pioneer Football League title game will be present when Valpo (3-2) travels to play at Morehead State (1-3) on Saturday at 1 p.m. ET (noon CT).
September 25, 2004
Jeff Horton rushed for a career-high 125 yards and one touchdown and Dustin Shamburg tossed two touchdown passes to Kevin Knutson as Valpo (3-2) defeated Jacksonville 54-38.
September 23, 2004
On Saturday, Valpo looks to get back into the win column when it hosts Jacksonville at noon.
September 20, 2004
Valparaiso University punter Joe Blahowicz was selected as the Pioneer Football League Special Teams Player of the Week.
September 18, 2004
Anthony Doria completed a 1-yard touchdown pass to Luke Palko with two seconds left in the fourth quarter as Saint Francis (PA) defeated Valpo 17-13. Kevin Knutson caught a 61-yard touchdown pass from Joe Milazzo and Saladine Washington ran for a 1-yard score for Valpo (2-2).
September 15, 2004
Following two straight victories at home, Valpo (2-1) travels to play Saint Francis (PA) on Saturday at 1 p.m. ET (noon CT). The Crusaders are coming off a 24-14 win over Austin Peay last Saturday.
September 11, 2004
Joe Milazzo rushed for one touchdown and passed for another as Valpo (2-1) used a 10-point third quarter to defeat Austin Peay 24-14.
September 10, 2004
Valpo (1-1) will play its second consecutive home game on Saturday against Austin Peay (0-1) beginning at noon.
September 06, 2004
Valparaiso University's Brandon Sturman was selected as the Pioneer Football League Defensive Player of the Week following his performance in the Crusaders' 41-0 victory over Wisconsin Lutheran Saturday.
September 01, 2004
The Crusaders begin a six-game home slate on Saturday by hosting Wisconsin Lutheran at 1 p.m.
August 28, 2004
Kyle Steffes rushed for 175 yards and four touchdowns on 13 carries as North Dakota State defeated Valpo 52-0 in the season opener.
August 26, 2004
After a storybook 2003 Pioneer Football League Championship season, the Valparaiso University football team plays its season opener on Saturday at North Dakota State in Fargo. Kickoff is 6 p.m. at NDSU's Fargodome.
July 16, 2004
Valparaiso University football will host Wisconsin Lutheran on Sept. 4 beginning at 1 p.m. The game was originally scheduled to be played at Wisconsin Lutheran's stadium in Milwaukee, but the new facility will not be completed by the date of the contest.
Football Archives
News Categories


text:
ESSEX — John R. Dunn III of Essex passed away peacefully at the Tufts Medical Center, Boston, on Thursday, January 3, 2013, after a long struggle with congestive heart failure.
Born on April 3, 1953, he was the son of Frances A. (Remsen) of Essex and the late John R. Dunn, Jr. He was a lifelong resident of Essex, graduating from Gloucester High School in 1971. Following high school he attended ITT Technical Institute. In his earlier years John enjoyed vegetable farming with his family who operated the Dunn Farm Stand in Essex. He later became a Class 1 truck driver and was employed for many years by Bentley Warren Trucking, Inc., M.F. Roberts Construction and Newbury Trucking Company. In his retirement years while his health allowed, he still remained active, running a landscape service locally and delivering parts for NAPA of Gloucester.
In addition to his mother Frances he is survived by a sister, Debra Lane wife of Howard, a brother, David Dunn, husband of Bonnie (Rutherford), all of Essex and a sister Diana Merchant of Rochester, NH, nephews, David Dunn, Jr. of Haverhill, Daniel Dunn of Gloucester, Michael Merchant III of Seabrook, NH, and Mathew Merchant of Rochester, NH; nieces, Leanne Lane and Stephanie Lane both of Essex, and Melissa Merchant of Rochester, NH; aunts, Doris Miller of Middleton and Mary Dunn of W. Newbury; uncles, James Dunn of Andover and Thomas Remsen of Wenham and two close friends, Albert Mazzetta of Essex and Darrell Knudson of Hamilton.
John will be remembered as someone who quietly enjoyed life and never had an unkind word to say. He truly was a wonderful son, brother, uncle and friend and will be sadly missed by his family and friends.
ARRANGEMENTS: His funeral service will be held Sunday, January 5, 2013, at 7 pm, following visiting hours from 4 to 7 pm in the Whittier-Porter Funeral Home, 6 High St., Ipswich.
In lieu of flowers, memorial contributions in his name may be made to the American Heart Assoc. 20 Speen St., Framingham, MA 01701. For directions or to leave a condolence please visit www.whittier-porter.com.


text:
Optics InfoBase
> Journal of Display Technology
Numerical examination of the nonlinear dynamics of a hybrid acousto-optic Bragg cell with positive feedback under profiled beam propagation
Modulation instability with arbitrarily high perturbation frequencies in metamaterials with nonlinear dispersion and saturable nonlinearity
Modulation instability in nonlinear complex parity-time symmetric periodic structures
Dispersive wave-breaking in coherently driven passive cavities
Third-order chromatic dispersion stabilizes Kerr frequency combs
Experimental observation of the spontaneous breaking of the time-reversal symmetry in a synchronously pumped passive Kerr resonator
Spatial rogue waves in a photorefractive pattern-forming system
Bifurcation to chaotic low-frequency fluctuations in a laser diode with phase-conjugate feedback
Frequency comb formation and transition to chaos in microresonators with near-zero dispersion
Two approaches for ultrafast random bit generation based on the chaotic dynamics of a semiconductor laser
Bistability of time-periodic polarization dynamics in a free-running VCSEL
Measuring the universal synchronization properties of driven oscillators across a Hopf instability
Fast photonic information processing using semiconductor lasers with delayed optical feedback: Role of phase dynamics
Multimode regimes in quantum cascade lasers with optical feedback
Impact of gain saturation on the mode instability threshold in high-power fiber amplifiers
Fast physical random bit generation with photonic integrated circuits with different external cavity lengths for chaos generation
Chaotic dynamics in coupled resonator sequences
Modulation instability of finite energy Airy pulse in optical fiber
Physical random bit generation from chaotic solitary laser diode
Optical feedback stabilization of photonic microwave generation using period-one nonlinear dynamics of semiconductor lasers
J. Display Technol.
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text:
Main Content:
handbags sale
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The Banana Republic handbags sale is an opportunity to find fabulous sale prices on your favorite designer bags. Our handbags sale includes BR Monogram designer bags, Amalfi and more of your favorite styles. You will want to stock your wardrobe with items from our handbags sale because at these prices, you can buy more than one.


text:
Minnesota financial company PiperJaffray bought a bond for the expansion of the Avon Free Public Library a couple weeks ago, according to Town Council Chairman Mark Zacchio.
The town will be paying 1.57 percent interest on the loan, which is considered a low bonding interest rate, Zacchio said. The bond could take up to 17 years to pay back.
Long-term bonding, essentially a loan procured by the sale of bonds to an investor, typically happens after a construction project is completed, he said. Throughout the project, the town sold smaller bond notes to help fund it.
Piper Jaffray is a company that handles "asset management," "investment banking," "public finance," "institutional brokerage" and "research," according to its website.
The completed library reopened to the public last April.
Correction: The sentence that originally began with "The town will be pay 1.57 percent interest on the loan" should say "paying." The typo has been corrected.


text:
King of Asgard
Swedish Viking black metal-tinged act, King of Asgard has released their new album 'Karg' today via Metal Blade Records. The album has received high critical praise and a great reception.Read More
Slough Feg
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Today KING OF ASGARD debuts a new video from the record for the song 'The Runes of Hel'. Decibel Magazine's Deciblog is hosting an exclusive premiere of the video HERE.Read More
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Cannibal Corpse
American Death Metal Icons, CANNIBAL CORPSE, are pleased to announce the release of their thirteenth full-length, entitled, A Skeletal Domain. New Song And Pre-order Packages Now AvailableRead More
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Kids' Crayon Hand Towels 13 13
Cute towels I love the bright colors and have ordered several monogrammed and some without for future use. The only drawback is the bright blue bled on the pink even in cold water. Be careful. June 14, 2014
Great colors for kids This was a gift for my daughter. She has three boys, so each got his own color. They loved it! April 19, 2014
not just for kids beautiful plus towels. great colors. luxe and substantial they brighten up the room. March 30, 2014
Nice color but thin I'm keeping these, but I really thought they would have more heft for being described as "extra-thick" February 18, 2014
Great Quality AS usual no disappointment from Garnet Hill. So speedy even though I ordered a personalized Item. Great color pick for childrens towels. February 10, 2014
Great Quality I've ordered these again. They are soft and stay soft after numerous washes. The color doesn't fade either. January 27, 2014
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Why are there no face towels? The suggestion that kids do not wash their faces is not very educational :).
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OkaY guys, started out at 297 in march '05. Throughout summer '05 i avoided scales like they were the plague, but i would estimate myself to have been 300lb + easily.
I got down to a steady 250, and since 250 I've cut down to here. These pics taken this morning at around 223lbs.
For some reason I can't stand/pose straight in pics...so they make me look very unsymmetrical and worse than i am..but no excuses.
so 6'2, 223lbs. BF %????
There's still a long way to go, but I"ll get there eventually. I think I'll start looking decent at around 180sh. Opinions, and bf %??
picsOriginally Posted by Natty_Lftr
Amazing progress. Dropping 50 lbs is no easy task. Keep it up.
I want to say you're still 20+%
Take a measurement of your waist size @ naval.
Max Lifts:------------------ Goals
Bench Press: 215lbs------- 250lbs
Squat:300lbs------------ 300 lbs
Deadlift: 335------------ 350 lbs
Total: 850lbs ---------- 900 lbs
Dropping 80 lbs is amazing...
Last edited by ehscrewdude; 08-10-2006 at 02:44 PM.


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Product Information
- Shredz from Coop
- We recommend this product for ages 5 and up
What It Is
Shredz is a new line of collectible, poseable snowboarder action figures that can actually ride on snow. There are seven characters to collect: Mason, Chase, Shane, Justin, Brody, Brett, and Luke. Each 3.75-inch figure comes with a removable helmet and custom snowboard. Each character has a home mountain and story that kids can read about on the included ID card. Each figure is sold separately and retails for about $9.95.
The figures can be used on their own in the snow, but there are a variety of track-building tools, jumps, and incline ramps for carving trails and designing snow jumps for the figures. The Shredz Big Air Jump lets kids create aerial tricks for their Shredz snowboarders. Use the jump alone or use it to create sculpted snow jumps. It retails for $7.95.
The Shredz Track Maker helps kids construct smooth trails in the snow. Use the scoop to carve the mountain and create a course for the figures. It retails for about $10.95.
The Shredz Xtreme Terrain Park Trick Set comes with three accessories for designing the ultimate tricks: a jump for getting big air, a flat box for gliding, and a rainbow box for grinding. Kids can use the accessories alone in the snow or use them to create a sculpted snow terrain park. The rainbow box has a hinged lid so kids can open it and store their Shredz snowboarder inside. The Xtreme Terrain Park Trick Set retails for about $16.95.
No Shredz snowboarder figures are included with the Shredz accessories.
Is It Fun?
Shredz will appeal to kids who are snowboarding fans or who want cool action figures to play with in the snow. Even if there is no snow, the action figures, tools, and accessories still work on their own, so kids can set up a snow park any time of year.
Who It's For
Shredz is for ages 5 and up.
What To Be Aware Of
Shredz products are available at Target.com, Amazon.com, and SwimWays.com.
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E! Correspondent sexually harasses female celebrities at the Golden Globe Awards
LOS ANGELES - Was it playfully outrageous, or just plain offensive? Live from the red carpet at the 63rd annual Golden Globes, E! correspondent Isaac Mizrahi groped Scarlett Johansson's breast, looked down Teri Hatcher's dress, asked Eva Longoria about her pubic hair and otherwise caught celebrities off-guard.
The openly gay fashion designer didn't mean to offend anyone, E! Networks President and CEO Ted Harbert told The Associated Press on Friday.
In fact, Mizrahi was just what the network ordered. He's already been assigned to carpet duty at the Academy Awards on March 5.
"I've hired Isaac because I felt the red carpet work on television, not just on E!, had become predictable, staid and frankly boring. What I wanted is someone who would bring surprise," Harbert said.
But whether the staid Academy of Motion Picture Arts and Sciences will take kindly to a repeat of Mizrahi's Golden Globes behavior on its own red carpet is another question entirely.
"I have no idea what plans E! has on Oscar night. If they're suggesting they would do something similar on our red carpet, we would have some good discussions with them," said academy spokesman John Pavlik. "I can predict we would be extraordinarily angry if that happened on our carpet. I cannot predict what we would do afterwards."
E! has not received any official complaints from any of the actresses involved in Mizrahi's Golden Globes appearance, and no apologies have been issued, Harbert said.
However, Mizrahi's comment to Charlize Theron about her Oscar-winning role as a "scary dyke with bad teeth" in 2004's "Monster" elicited a formal complaint from the Gay and Lesbian Alliance Against Defamation.
Harbert responded with a statement Thursday: "While E! Networks does not generally condone the use of that word, we are totally confident that Isaac is the last person on Earth who could be accused of even the slightest degree of homophobia."
GLAAD spokesman Damon Romine said E! agreed to edit the word out of future airings of Mizrahi's encounter with Theron.
Mizrahi, who has his own talk show on the women-friendly cable channel Oxygen, questioned a stream of actresses on the Golden Globes carpet about everything from what they were wearing or not wearing underneath their gowns to personal grooming habits.
He asked a purse-less Natalie Portman, 24, what she would do if she needed a cell phone, credit card or condom. Portman laughed.
He tugged on Hatcher's bronze halter to look for a hidden speech. "Oh my God, he touched my stomach and then he pulled down my dress!" she said.
Mizrahi asked fellow "Desperate Housewives" star Eva Longoria what her "hair was like down there."
"I'm sorry, I can't help myself," Mizrahi said, when called on his comments by co-commentators Ryan Seacrest and Giuliana DePandi.
Fascinated by Johansson's skintight red Valentino dress, Mizrahi squeezed her breast twice. "What's going on!" she demanded.
Johansson was too busy working on a new film to comment, said her publicist, Marcel Pariseau, and representatives of the other actresses did not returned phone or e-mail messages seeking comment by late Friday.
Messages left at Mizrahi's New York office also were not immediately returned. "I think he forgot he was on live television, and he talked to people as if he was in their living room, which is exactly what I wanted," explained Harbert. "As a fashion designer, he pokes and prods people's dresses every day."
Hey, when things are kinda hanging out in plain view, that may lead different people to different assumptions as to whether those things are being offered up for public-domain groping.
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Availability: Steigenberger Europäischer Hof
Park View RoomMax Occupancy: 3 guests (up to 2 children, 2 infants)
Economy Single RoomMax Occupancy: 1 guest
Park View RoomMax Occupancy: 1 guest
Comfort RoomMax Occupancy: 3 guests (up to 2 children, 2 infants)
Economy Double RoomMax Occupancy: 2 guests
4.5-star luxury hotel in Baden-Baden with a full-service spa
Collect 200 points.*
Simply enter your Nectar card number on the confirmation page. Your points will be credited 30 days after your trip is complete. *Offers may apply
Situated in the city center, this luxury hotel is close to Kurhaus Baden-Baden, Casino Baden-Baden, and Theater Baden-Baden. Also nearby are Friedrichsbad and Staatliche Kunsthalle Baden-Baden.
Hotel Features
In addition to a restaurant, Steigenberger Europäischer Hof features a health club. Other amenities include a full-service spa and a bar/lounge.
Room Amenities
Televisions come with satellite channels. Guestrooms also feature wireless Internet access (surcharge), safes, and minibars.Information missing or incorrect? Tell us!
Steigenberger Europäischer Hof Amenities
- General
In addition to a full-service spa, Steigenberger Europäischer Hof features a health club and a sauna. The hotel offers a restaurant. A bar/lounge is on site where guests can unwind with a drink. A computer station is located on site and high-speed wireless Internet access is available for a surcharge.
This 4.5-star property offers access to a business center and small meeting rooms. 7 meeting rooms are available. This luxury hotel also offers a steam room, spa services, and a terrace. For a surcharge, a roundtrip airport shuttle (available on request) is offered to guests. Onsite parking is available (surcharge).
Steigenberger Europäischer Hof has designated areas for smoking.
- Steam room
- Sauna
- Full-service spa
- Spa services on site
- Complimentary newspapers in lobby
- Health club
- Babysitting or childcare (surcharge)
- Airport transportation (surcharge)
- Meeting rooms
- 24-hour front desk
- Porter/bellhop
- Express check-out
- Multilingual staff
- Total number of rooms - 125
- Safe-deposit box at front desk
- Express check-in
- Number of floors - 3
- Hair salon
- Dry cleaning/laundry service
- Coffee/tea in lobby
- Elevator/lift
- Room service (limited hours)
- Restaurant
- Bar/lounge
- Breakfast available (surcharge)
- Business center
- Wedding services
- Concierge services
- Tours/ticket assistance
- Wireless Internet access - surcharge
- Designated smoking areas
- Computer station
- Spa treatment room(s)
- Terrace
- Luggage storage
- Self parking (surcharge)
- Year Built 1840
- Number of meeting rooms - 7
- Shopping on site
- Number of buildings/towers - 1
- Internet
Available in all rooms: Wireless Internet access (surcharge)
Available in some public areas: Wireless Internet access - surcharge
- Parking
Self parking (surcharge)
- Room Amenities
- Pay movies
- Hypo-allergenic bedding available
- Minibar
- Daily housekeeping
- Private bathroom
- Bathrobes
- Complimentary toiletries
- Hair dryer
- Slippers
- Shower/tub combination
- In-room childcare (surcharge)
- Satellite TV service
- In-room safe
- Television
- Desk
- Rollaway/extra beds available
- Wireless Internet access (surcharge)
- Cribs/infant beds (complimentary)
- Dining
Buffet breakfasts are available for a surcharge and are served each morning between 7 AM and 11 AM.
Steigenberger Europäischer Hof has a restaurant serving breakfast, dinner, brunch, and light fare.
Room service (during limited hours) is available.
- Recreation
Recreational amenities at the hotel include a health club, a sauna, and a steam room.
The recreational activities listed below are available either on site or nearby; fees may apply.
- Hiking/biking trails nearby
- Bicycle rentals nearby
- Golfing nearby
- Hot springs nearby
- Golf lessons available nearby
- Segway rental/tour nearby
- Spa
Guests can pamper themselves with a trip to the onsite spa, which has 2 treatment rooms. Services include massages, facials, body wraps, and body scrubs. The spa is equipped with a sauna.
- Number of treatment rooms 2
- Body wraps
- Body scrubs
- Sauna in spa
- Massages
- Body treatments
- Facial treatments
Steigenberger Europäischer Hof Policies & Fees
- Check-in
Check-in time starts at 3 PM
- Check-out
Check-out time is noon
- Payment types
Accepted at this hotel: American Express, Diners Club, MasterCard, Visa
- Pets
Pets allowed, Maximum number of pets per room 2
- General
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
- Fees
- Unless otherwise indicated, the charges below are not included in the overall room price. If not included in the overall room price, they will be charged by the property at check-in or check-out. Charges can vary, for example, based on length of stay or the room you book. This property told us they will charge you for the following:
We have included all charges provided to us by the property. However, charges can vary, for example, based on length of stay or the room you book.The following fees and deposits are charged by the property at time of service, check-in, or check-out.
- A tax is imposed by the city: EUR 3.5 per person, per night
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.
- Breakfast fee: EUR 17 per person (approximately)
- Self parking fee: EUR 20 per night
- Pet fee: EUR 16 per pet, per night
- Rollaway bed fee: EUR 47 per night
- Additional Details
Local laws may restrict unmarried guests from sharing rooms. Guests are responsible for providing proof of marriage, if requested by the hotel. This property offers transfers from the airport (surcharges may apply). Guests must contact the property with arrival details before travel, using the contact information on the booking confirmation. Reservations are required for massage services and spa treatments. Reservations can be made by contacting the hotel prior to arrival, using the contact information on the booking confirmation. Only registered guests are allowed in the guestrooms.


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Some states have played a shell game with federal education stimulus dollars, going against the stated purpose of the stimulus and replacing state education funding with stimulus funding. Even in states that were not facing huge budget deficits the states have reduced state education spending and replaced state dollars with federal dollars.
The Department of Education's inspector general reports that some states are using stimulus dollars to replace money they've cut from their education budget — despite instructions to the contrary. . . .
Nonetheless, it wasn't long before the Education Department started hearing about states playing what it called "shell games" with stimulus funds. In at least one case, department officials blocked a state from drawing stimulus money because it was cutting school funding so deeply.
This growing dispute with states has become so politically charged that the department declined to comment for this story.
The department's inspector general, on the other hand, isn't shy at all.
In its report about how states were spending stimulus funds, the inspector general's office found that over a dozen states are inappropriately using stimulus dollars to replace the money they're cutting from education. It specifically cited Massachusetts, Pennsylvania and Connecticut.
The bottom line is that the education portion of the stimulus has gone to backfill state education spending which simply allows states to shift money to other budget areas rather than solving ongoing budget shortfalls and ultimately does little to stimulate the economy.


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Control your dog's behavior from a distance. Training collars can solve problems such as digging, chewing on furniture, jumping on guests, barking or basic obedience training such as teaching the "come" command. Your dog will only need a few training sessions to begin to behave the way you want him to.
We offer several types of collars:
Spray Remote Trainers emit a harmless spray under your dog's snout that interrupts her behavior. The spray is available in citronella or unscented. Best for: All dogs, sensitive dogs.
Static Dog Trainers emit a safe, gentle static correction similar to a static shock you might get by rubbing your feet on the carpet. While not harmful, the correction is enough to get your dog to behave the way you want him to. Best for: All dogs, stubborn dogs.
SportDog Training Collars also use a safe, gentle static correction. While these remote trainers are designed with the hunter in mind, they are also excellent for all pet owners. Best for: All dogs, stubborn dogs.
Vibration Trainers use a varyng pattern of vibration that surprises your dog. The Vibration Remote Trainer PLUS gives you the option of using a static correction while the Vibration Remote Trainer uses vibration only. Best for: Sensitve and deaf dogs.


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Home Prices Jump the Most in 7 Years
Dwindling supply plus growing demand equal spiking prices.
Prices may see some downward pressure in coming months due to rising mortgage rates.
The housing recovery may have hit its strongest point yet. New data Tuesday show home prices in May were up 12.2 percent from a year ago, the biggest jump since February 2006.
The most recent data from real estate data firm CoreLogic show not only that price growth has accelerated but that the housing recovery has taken hold across much of the U.S. Home prices grew in 48 states and the District of Columbia in May, with declines only seen in Delaware, where prices fell by 0.6 percent year over year, and Alabama, where prices fell by 0.1 percent.
Leading the upward swing in home prices are Nevada, which posted price growth of 26 percent; California, with 20.2 percent; and Arizona, at 16.9 percent growth. Those three states were among the hardest hit by the housing crisis.
[READ: U.S. Home Prices Rise in April by Most in 7 years]
"The biggest reason why prices have been rising so sharply is that they're rebounding from big price declines after the bubble burst," says Jed Kolko, chief economist at real estate site Trulia. "The markets that have seen the biggest price increases tend to be those that saw the biggest declines a few years ago."
According to CoreLogic's data, home prices have been growing since March 2012, which one company analyst says is largely due to a dwindling supply of houses.
"As we approach the half-way point of 2013, home prices continue to respond positively to the reductions in home inventory thus far," said Mark Fleming, chief economist at CoreLogic, in a Tuesday statement.
That decline in inventory is a far cry from the post-bubble period, when scores of homes in hard-hit areas sat empty.
"We've swung from lots of vacancies to very tight inventory," Kolko says.
The supply of homes has dwindled for several reasons, Kolko says. One is that the population has grown while construction has slowed, meaning more growth in demand than supply. In addition, some homes are off the market because they are going through foreclosure or are bank-owned. In addition, he says, inventory further tightened as a result of rising prices.
"No one wants to sell at the bottom, so as soon as prices turned around, we saw inventory tighten even more," Kolko says.
[ALSO: Buying a House? Don't Make These Mistakes]
While prices have been on a healthy upswing, they remain far from where they were before the crash. Prices are 20.4 percent below their April 2006 peak, but that may be a poor standard by which to measure the recovery, he says.
"We hopefully won't see prices climb that high again because those were unsustainable price levels that led to the crash," Kolko says.
Prices may see some downward pressure in coming months due to rising mortgage rates. Lender Freddie Mac recently reported that the average 30-year fixed mortgage rate hit nearly 4.5 percent in its June 27 Primary Mortgage Market Survey – up more than half a percentage point from just the week before, when it was 3.93 percent, and up 0.8 percentage points from one year prior.
That's the largest one-week jump in 26 years, and it may mean buyers will buy less expensive homes than they would have when rates were at historic lows.
More News:


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Don't underestimate the Helix defense. When East County Sports forecast the score for Friday night's game at West Hills High in Santee, the site figured the "Highlanders have way too much firepower to stumble over the Wolf Pack" and predicted a 38-14 Scotties victory.
The actual result? The Scotties took a 21-0 lead at halftime and whipped those other dogs 35-0, who suffered four fumbles. Senior running back Michael Adkins scored three touchdowns for the No. 3 Highlanders, and senior wide receiver Kendal Keys had two against West Hills on Senior Night.
With Grossmont losing to visiting Valhalla 39-28—ending the Hillers' 7-game win streak—Friday night's showdown between the La Mesa rivals at Helix could determine the Grossmont Hills League title.


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Your are here: Home // Posts Tagged With ants
Please excuse my dear ant problem
The hot days in La Verne means it is ant season. Apparently it is ant season in the Vista La Verne Residence Halls as well. Ant infestations have been a problem for Vista La Verne residents since the school year started.
Tags: ants, dorms, housing, nick gonzalez, Vista La Verne


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Great stop on the lake
by bjarvis - 22nd January 2010
Pros: The VIEW, snowfall, atmosphere
Cons: terrain challenge
This mountain has the best view on lake Tahoe. Yeah, Heavenly is a close second in terms of beauty, but man does this little area pack one gorgeous wallop. ... Full review


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1 Customer Reviews
By: Sidd
The bag was great in the beginning because it was hardy and didn't scratch or tear easily like a lot of other bags. Really good quality make... However, after one school year the paint on the black ogio symbol and the three rectangles on the front have lost their color. In addition, the poly-cotton though sleek and nice to look at it fails at what another cheaper material would have no problem with. If anything spills or something smelly gets on the poly cotton forget about trying to wash it!! Even if you do.. Which i did the smell obstinately refuses to leave. I am at the end of wits and I do not consider myself a clean freak I just don't want expensive electronics being in a unsterile environment. I know I'm ranting but for the first few months that I used the backpack it was pretty great.


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By Bob Hertzel
For the Times West Virginian
Summer has melted away and football season has crept upon us, West Virginia football is now less than a week away, so close you can feel the anticipation in the air. Campus is alive with returning college students and a group of freshmen about to learn just what this thing called college life is all about.
A big part of it, of course, begins with this noon opener on Saturday against William & Mary, a game that holds no promise of being closely contested, yet that takes absolutely nothing away from it.
In fact, an informal and highly unsophisticated poll among nearly 4,000 followers on Facebook and Twitter taken Friday and Saturday would seem to indicate that football at West Virginia is far more a social event than a sporting contest, and if the results have any meaning at all, they would make you wonder why the band director Jay Drury isn't paid at least the equivalent of football coach Dana Holgorsen.
Or more.
First, let us explain exactly how we conducted our poll. Both days, on the social media, we asked simply for the public's three favorite things about West Virginia football. It was left vague to elicit an answer on any aspect of the football experience, from seeing Tavon Austin run with the ball to Zul's Frozen Lemonade.
To give you an idea of how the poll went, Zul's Lemonade got one more vote than did Austin.
In all, there were 35 responses and they cast a picture of what West Virginia football is all about … that it really isn't about the playing of the game.
Many of the answers could be considered overlapping. For example, the No. 1 response on 13 of the 37 ballots was tailgating.
But when you consider that the No. 2 answer involved coming together with friends and family, that drawing 10 responses, you can surmise that involves tailgating … with a little bit more than just beer and burgers.
Consider a couple of the responses:
Tom Koon's No. 1 answer was "Sharing my love for Mountaineer Football with my kids (We drive up from N.C. for a game almost every year)"
Sgt. John Mark Thompson used a couple of Tweets to say "It's a chance to pass on the WVU legacy to my son despite miles and years removed from the Mountain State. It's a way to be back in W.Va. on a fall Saturday listening to a WVU radio broadcast with my grandfather one more time."
The experience of West Virginia football is that special, and not just with fans.
Jeff Braun was a starting guard on last year's team, not out there in the real world, but he thought he should offer a response.
His No. 1 answer was "The great people of the state coming together for one purpose."
His No. 2 answer was "the atmosphere."
Braun is a Mountaineer through and through, even if he did come to Morgantown from Maryland.
To Jennelle Jones it was "memories of watching games with my dad" that grabbed her, memories you cannot replace.
But if even once you leave the Blue Lot and the tailgate, so much of Mountaineer football grabs you before the opening kickoff.
In truth, if you put it together, the band is probably the most popular thing about WVU football, for not only did eight pollsters mention playing "Simple Gifts" at halftime but that same number mentioning the post-game rendition of "Country Roads."
One person called "Simple Things" and the formation of the state "spine-tingling" and another said "nothing beats 'Simple Gifts' at halftime."
Mountaineer football is more than just tailgating and relationships. It is tradition and fans devour that with love.
The fans like the old … Jack Fleming's scene setters and the team running out onto "old Mountaineer Field" … to the new, Tony Caridi's play-by-play and beer, presumed to be the beer now being sold in the stadium.
From the team coming out of the tunnel, which we're told is being changed this year but drew nine votes, to the Mountaineer shooting off his musket, lower than you may have thought with only four votes, to the first down cheer and the "Let's go … Mountaineers" chant, the fans wrap themselves up in having fun within the stadium.
But such things as the game itself were overlooked … one vote for the opening kickoff, to match a vote for being out in the morning air; and the "Man Walk" that they have tried to make into a tradition received the same one vote that watching "Dana's reaction to every call" received.
Email Bob Hertzel at firstname.lastname@example.com. Follow on Twitter @bhertzel


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Jetta vs Civic vs TDI vs GTI
thegraduate Posts: 9,731Of course you know that things like seat comfort, interior layout, and gauges are very subjective. I do find the Jetta to be a nice vehicle, but the engine, weight, and poor fuel economy were a turn off for me. My Accord was quicker, sounded better accelerating, roomier, as fun to drive (personal opinion of course ) and cost about the same as a Jetta when I was shopping a couple of years ago. Getting better fuel economy than the compact Jetta in my midsize Accord was a bonus (VW has since improved the 2.5L to have more power and better economy, but it still isn't as good as my Accord's). I'd have a hard time stepping back to a Civic OR a Jetta from my Accord, but at least the Civic has great mileage and a low price.
I really want to like VW (I think their cars as a whole look great and are feature packed), but knowing too many reliability nightmares put me off from them.
Birmingham's VW dealer is VERY well-known for being worthless in customer service, so that helps cross VW off my list for now, as well.
This discussion has been closed.


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Over the past few months, the Baltimore Sun has been cataloguing what may be errors in speed cameras in Baltimore city. Reporters have used time over distance calculations with timestamps on citiation photographs rounded to the thousandth of a second to determine drivers' speed.
In Howard County, it's not possible to use timestamp information to determine speed because the timestamps are rounded to the nearest second, which is not precise enough to make a calcualtion, according to the Sun.
However, even if it was down to the thousandth of a second, citizens would still not be able to calculate their own speed at the time of the infraction, according to a spokesperson for Xerox State & Local Solutions Inc., Howard County's speed camera vendor.
"Time over distance calculations have never been accepted as a primary means of determining speed in photo enforcement," wrote Chris Gilligan, a Xerox spokesperson, in an email. "In Howard County, the timestamp generated on each violation photograph represents the time at which the system validated the vehicle's speed, not the time at which each image was recorded."
Gilligan said due to the angles at which cameras are placed in the county—in mobile vans along the side of the road—that "it is nearly impossible" to determine the exact location of the vehicle, which is required to make an accurate time over distance calculation.
In addition, speed cameras in Howard County use laser technology rather than radar technology. Baltimore City cameras use radar, according to Gilligan.
Laser cameras shoot a focused beam of light at a vehicle, which is reflected back. The time the light takes to reflect back is then used to calculate the vehicle's speed, according to an article on AOL Autos. Radar cameras are similar, only instead of using lasers they use radio waves to determine speed, according to the article.
Both radar and laser speed measurement technologies have been proven accurate for decades, according to a USA Today report, although lasers are believed to be slightly more accurate.
Currently, Howard County operates only two speed cameras, which are kept in vans that move to different positions throughout the county.
Legislation passed in 2011 by the Howard County Council allows police to station up to 8 mobile vans in school and work zones, but so far, county officials have only moved forward with two.
The cameras, which are in operation from 6 a.m. to 8 p.m., issued approximately 100 citations per day during their first two months in operation, according to police.
In December, police said they would work with Xerox to provide more information on speeding citations issued to residents if the information would increase motorist confidence in the program.
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