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A tip to Stanislaus County authorities prompted a 2½-year mortgage and bankruptcy fraud investigation with more than 1,000 suspected victims throughout California, leading to the arrest Friday of an Empire man.
Brent Medearis, whose Web site says he is chief executive officer of Modesto-based VIP Financial Services, and four others preyed on people desperate to keep from losing their homes in foreclosure, says a U.S. Department of Justice release. They collected more than $5 million in fees from victims, the document says.
Medearis could not be reached Monday.
The five were indicted by a federal grand jury after a lengthy probe by county district attorney's investigators, the FBI, the U.S. Postal Service and other federal agencies. All but one of the defendants is facing 16 counts of bankruptcy fraud and two also have been charged with eight counts of mail fraud.
Authorities initially were tipped off in June 2009 when the Stanislaus County clerk-recorder's office detected suspicious filings.
Defendants recorded fraudulent deeds transferring interest in property to a fictitious company called Pacifica Group 49-II, the indictment says. Sometimes they filed phony petitions in bankruptcy court to throw off foreclosures while collecting fees from defrauded homeowners, the document says.
"It was all done just to stall the foreclosures," said Glenn Gulley, an investigator with the district attorney's real estate fraud unit.
Medearis, 45, was not licensed as a real estate broker in California and was ordered in August by the state Department of Real Estate to "desist and refrain" from acting as such, according to the state order, which appears unrelated to the federal probe.
The state order says Medearis modified loans for properties in Modesto and Linden.
Gulley said the foreclosure rescue and bankruptcy scam may have duped as many as 30 victims in Stanislaus County, but he and the FBI soon uncovered hundreds more in other areas, many near Roseville.
People threatened with losing houses responded to "Save My Home," "Homesaver" and "Property Relief" pitches, lured by promises that investors would purchase their mortgages at a discounted price or reduce monthly payments by negotiating a reduction with the lender.
Gave 'substantial' payments
Homeowners came up with "substantial" payments and monthly fees and got nothing in return, the indictment says.
Also indicted were Jewel L. Hinkles, also known as Cydney Sanchez, 61, of Los Angeles; Bernadette Guidry, 43, of Irvine; Jesse Wheeler, 34, of Roseville; and Cynthia Corn, 58, of Oakland.
"The defendants stand accused of profiting off of the desperation of people who were trying to hold on to their most valuable asset their homes," said U.S. Attorney Ben Wagner in the release.
Convictions for mail fraud and bankruptcy fraud can fetch prison terms of 20 years and five years, respectively, plus fines of $250,000 for each count of bankruptcy fraud.
On the Net: www.stopfraud.gov/protect-mortgage.html.
Bee staff writer Garth Stapley can be reached at firstname.lastname@example.com or (209) 578-2390.


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The museum sanctions a "Communist Tour" of the Diego Rivera show–and more Read More
Artists around the globe are turning Socialist Realism on its head, layering the once-potent tool of propaganda with irony and nostalgia. Read More
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Find and book great restaurantsFind a Restaurant
It may be the home of two Premier League football clubs (Liverpool and Everton) and the world-famous Grand National (run annually at Aintree Racecourse on the outskirts of the city), but to many Liverpool will always be synonymous with The Beatles and The Cavern (where the Fab Four were discovered). Dubbed the 'World Capital of Pop' by Guinness World Records, Merseybeat tourism forms a significant part of Liverpool's economy. Elsewhere, the city is noted for its rich architectural heritage, with several central areas granted World Heritage Site status by UNESCO in 2004, among them Pier Head, Albert Dock and William Brown Street. As for restaurants in Liverpool, there's plenty of choice, from Chinatown, the oldest Chinese community in Europe, to The Panoramic, living up to its name on the 34th floor of the city's Beetham Tower, from Hanover Street Social, a big, brash all-day brasserie, to Lunya, a Catalonian fusion restaurant and deli.
Showing 16 - 30 of 76 results
The concept of a Beatles-themed hotel might conjure up images of in-your-face psychedelia and paraphernalia, but this upmarket addition to Liverpool's… more »
If you're looking for something informal and affordable with a relaxed contemporary feel, this mid-city café-cum-teashop and bar offers all-day… more »
The bold, brash Slug & Lettuce chain is the antithesis of the 'best kept secret' or 'this little place I know'. It's a bright & accessible… more »
Slater Street is weekend party central for Liverpool's drinking classes, with The Shipping Forecast set fair as an essential port of call on… more »
Churrascarias are traditional Brazilian steakhouses know throughout the South American countries offering the most succulents cuts of meat prepared… more » This review is not by Square Meal
Piccolino brings a true taste of Italy to the heart of Liverpool. Less than five minutes' walk from Moorfields rail station and easily accessible… more » This review is not by Square Meal
GBK, founded in South London over 10 years ago, was ahead of the curve in as regards specialising in burgers & Antipodean flavours – which is… more »
Situated on the first floor of the Foundation for Art and Creative Technology (FACT), this all-day bar is not only a destination in its own right… more »
Serving temptingly fresh and flavoursome creations from world-famous chef Jamie Oliver, Jamie's Italian evokes the vibrancy and passion embedded… more » This review is not by Square Meal
Walk through the doors of Las Iguanas and find yourself transported to Latin America, full of rich, vibrant colours, quirky features and custom-made… more » This review is not by Square Meal
Unobtrusively situated on Liverpool's version of Harley Street, Puschka brings some funky boho bonhomie to the city's Georgian Quarter. Local… more »
Alma de Cuba puts in a strong bid as Liverpool's most spectacular restaurant and bar complex. It certainly looks impressive, with the magnificent… more »
This restaurant has not been reviewed by Square Meal. But we do list the location, price and contact details, and you have the option of reading… more » This review is not by Square Meal
Merchants is a new Liverpool bar and restaurant, set within a former bank and Grade II-listed building opposite the QEII Law Courts and close to… more » This review is not by Square Meal
Exposed brickwork, polished woods and a lively bar set the scene at this family-friendly Italian situated in the heart of Liverpool's financial… more »
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60 Comments
Ameoboid said 73 weeks agoLove the concept, Odyssey shirts are usually the bomb. But the chibi-kitty type Dave isn't for me. D:
Great shirt anywho.
gillian79 said 73 weeks agoHoly. Hell.
Eraserhead side art.
Also, good design today... I'll have to sleep on it!
Freck said 73 weeks agoohmygosh! This is amazing!!
Megapower124 said 73 weeks agoSO MANY
quantumbard said 73 weeks agoReally cute design, but I don't know if I would ever wear it. I LOVE the side art, though, especially My Neighbor Cthulhu and Eraserhead.
Labellamorte said 73 weeks agoNeed that maniacs! Are you pondering what I'm pondering?
CheshireKit said 73 weeks agoI usually cannot stand Hello Kitty shirts...
I do not know if I love this mash up or am sickened by the sight of it...
DoctorGonzo said 73 weeks agoCthulhu side art please
poly said 73 weeks agoI love this shirt! I want to get one for my 7 yr old. Why no kid sizes?!
jgc7881 said 73 weeks agoI'm so torn on this shirt right now! I'm not big on Hello Kitty, but at the same time, how often do you ever see Space Od
jgc7881 said 73 weeks ago*odyssey shirts on here?
deedoublejay said 73 weeks agoLove the Maniacs sideart! It's hilarious.
megalomaniac said 73 weeks agoAnother Hello Kitty shirt? The first few were cute, but now it's getting old... Come on. Let's get a bit more creative.
LOVE all the sideart though!
Ratigan said 73 weeks agoThank you Teefury for featuring my design, I hope you all enjoy it. on a side note, I don't think it's necessary to be a fan of Hello Kitty to enjoy this design. I designed the shirt and I myself am not a big fan of Hello Kitty, But the iconic image of Hello Kitty works great for Mash-ups and or Parodies. At it's core it is simply a 2001: Space Odyssey shirt, using the shape of Hello Kitty is simply a joke on the phrase Hello Dave. Thanks for all the comments on the side art, I love to hear which designs you guys like. Feel free to follow me and ask me questions on Facebook.
Ncrawler said 73 weeks ago
Labellamorte said: Need that maniacs! Are you pondering what I'm pondering?
baku_dan said 73 weeks agoEvery piece of art featured right now is making me squeal in delight. Could it also be HALlo Kitty? X)
My Neighbor Cthulhu, pleeeease?
Cannabinate said 73 weeks agoI can't believe I'm about to purchase a hello kitty mash. For myself. That truly boggles my mind. I pretty much couldn't pass up a 2001 shirt, though... when are we likely to see another? At least he doesn't have cute little ears or a bow or something.
Love the fact that this artist chooses such excellent subjects, that Eraserhead art is an instabuy. I love me some Who and Firefly, but it's really nice to see excellent designs(even those mashed with hello kitty) of things seen much less often.
luxmeansbux said 73 weeks agoERASERHEAD!!!!!!!!!!!!!
Edro76 said 73 weeks agoVoltron of Liberty side art!!!
CrimsonBrian said 73 weeks agoERASERHEAD kinda looks like JJ Abrams, BAZINGA!
cyberbat said 73 weeks agoOMG Love the maniacs shirt! (just don't sell it until next thursday, I'll be paid by then :P )
ButcherChop said 73 weeks agoGreat shirt and color and design. Instabuy! Gonna look fresh with my new black/yellow Retro 4 Jordans and black jeans.
Keiichi said 73 weeks agoInstabuy! It's been awhile since I've bought a shirt here. Great design, and easily my favorite movie of all time. I'll be living in this shirt that's for sure!
kgullholmen said 73 weeks agoreally like today's design, but I LOVE the Eraserhead one
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The Daily Star
---- — Sabra Louise (Rutherford) Hughey
SPROTT, Ala. — Sabra Louise (Rutherford) Hughey, 82, of Sprott, Alabama and recently of Oneonta, passed peacefully into heaven on Dec. 19, 2012.
Sabra w as born in Perry County, Ala., on June 13, 1930, the daughter of Jeff and Verna (Lawson) Rutherford. It was a Friday the 13th, the luckiest of days for all who would come to know and love Sabra over the years. Although she spent her entire life within a small radius of her birthplace, her influence traveled far and wide as she touched the lives of so many with her kindness and caring.
Whether they came to know her as a leader in the Suttle PTA, the Ephesus GA or WMU, as a Sunday School teacher, through her years working at Judson College or the Sprott Post Office, as a family member or a friend, or even as a patient bravely facing a serious illness, everyone who met Sabra was impressed with her warm smile, her gracious Southern charm and her unselfish ways. She always put others' needs before her own and did her best to serve God in every way. In the last days of her life, so many people called and wrote to tell her that she had been an important Christian role model for them. It humbled her greatly to know that she had made a difference in the world.
Sabra married John Allen Hughey on Dec. 18, 1948. They had a wonderful life together for more than half a century and when John Allen passed away in 2000, she missed him so very much. In the years since then, Sabra traveled with family to Disney World, flew to New York a few times, spent lots of holidays and other special occasions in Mobile, vacationed with siblings at the coast, visited regularly with folks at Southland Nursing Home, continued to be an active and faithful member of Ephesus Baptist Church and accomplished all kinds of things that she never would have thought she could do on her own.
When Sabra was diagnosed with cancer, she made the difficult decision to leave her community for the care and comfort that she could receive at the residence of her daughter in Oneonta. Since August, she has made her home there, although her heart always remained firmly ensconced in the Sprott and Ephesus communities. Messages of love came to Sabra daily from her family and friends all around the country, proving that time and distance can never dim the light of a vibrant soul. The thoughts and prayers and love eased this final leg of the journey in countless ways.
Sabra is survived by her son, John Allen Hughey Jr., daughter-in-law, Janet (Vignes) Hughey and grandchildren, Sarah (Hughey) Maples and John Allen Hughey III; her daughter, Cathyrn (Hughey) James; daughter-in-law, Patricia Knuth; honorary granddaughter, Heather Nemitz; and honorary great-grandson, Rylie Nemitz; her sisters, Addie Warren (George), Ann Wright (Carl) and Emilie Pearson; her brother, William Rutherford (JoAnn); a special sister-in-law, Annie B. Huey; numerous devoted nieces and nephews; and so very many close friends and church family in Sprott.
Funeral services will take place in Alabama at a later date.
Memorial donations in Sebra's name may be made to The Arc Otsego, P.O. Box 490, Oneonta, NY 13820 or to the charity of one's choice.


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We often speak of certain Brazilian composers suffering in the shadow of Heitor Villa-Lobos. After all, he was the one who possessed not only musical genius, but also the ability to attract attention.
He was, in many ways, bigger than life, which made it a struggle for other very able composers to be seen and heard. These others included Camargo Guarnieri, Franciso Mignone and Claudio Santoro. The music of these composers is still struggling to be heard outside of Brazil.
Each week on World Music (Saturday nights from 8-10 on KSTX 89.1 FM), I take a look at celebrations happening around the world. This week, Poland celebrates "Greasy Thursday," and there's a Devil's Carnival in Bolivia. Read more about these unique festivals below, and see video of the celebrations!
On the heels of President Obama's statements on immigration and a plan from the Gang of Eight bi-partisan Senate committee, two national lawmakers from Texas are offering their input on what immigration should look like over the coming years.
This week the president introduced his plans for what could become comprehensive immigration reform, which include:
The organizers of the San Antonio Rock and Roll Marathon had thought they fixed their hot weather issues when they moved the race date from November to December.
Now they are racing to return date back to November after a contract dispute with the Dallas Marathon which would have been run on the same date. This is the second time the footrace organizers have moved the date of the popular running event.
The Rock and Roll Marathon has been running the streets of San Antonio for the last five years and has been transformational for the city's get-fit efforts.
Governor Rick Perry addressed the State Board of Education on Friday, urging the education leaders to expand technical classes and charter schools.
During his State-of-the-State address earlier in the week, Perry trumpeted evidence of improvements in public education and did so again when speaking to the State Board of Education.
Texas Matters: Gov. Rick Perry uses the State-of-the-State address to propose giving tax breaks, but should the state use the extra money to restore education funding instead? A new poll shows that a majority of Texans disapprove of the job he is doing and 62 percent think he should not run for re-election. Since he is a primary torch-bearer for the conservatives in the state, what will he do next?
We continue working our way through the preliminary rounds of last years contest. This Sunday, the music of Italian Domenico Scarlatti, a man who won a harpsichord "play-off" against G.F. Handel, and was so impressed by Handel's abilities that he always crossed himself when mentioning the composers name.
Scarlatti left Rome and moved to the courts of Spain and Portugal where he taught Queen Barbara to play harpsichord. Our "concert" starts with three of Scarlatti's sonatas.
Carrying Scarlatti's style
San Antonio Mayor Julián Castro is frequently mentioned as a possible Democratic candidate for governor or other statewide elected office, but a new poll shows that Texas voters still aren't ready to vote for Castro.
San Antonio Independent School District is testing out technology to increase student performance.
This semester, 22 students at Fox Tech high school will do their reading, check assignments and conduct lab experiments using a Kindle tablet.
Senior Marina Garcia is one of the students taking part in the pilot program in one of the school's advanced placement biology classes.
City leaders, area chamber presidents and Walmart officials officially broke ground at the site of a new store to be built on the city's south side. The 180,000 foot store will be located at I-35 and Palo Alto Road, where Palo Alto meets Patron Street.
Daniel Morales with Walmart said opening stores in communities often sparks economic growth.


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Alexander Olch The Hayden Polka Dot Necktie
$60.00 (60% off): Navy/Red
Color: please select a color
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One Size
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Style # AOLCH30032
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A lightweight Alexander Olch tie in a slub weave. A modern cut and scattered polka-dot print lend versatility.
100% cotton.
Dry clean.
Made in the USA.
Width: 3in / 7.5cm
Length: 56in / 142cm
100% cotton.
Dry clean.
Made in the USA.
Width: 3in / 7.5cm
Length: 56in / 142cm
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The Hayden Polka Dot Necktie


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The Salem News
---- — Salem News 2012 Boys Cross Country All-Star Team
Swampscott Senior
Hale had a sensational senior year, winning both the Northeastern Conference title in 16:06 and the Eastern Mass. Division 5 crown in a blistering 15:46, his best time of the year. Hale became the first Big Blue runner to win an Eastern Mass. title in 21 years and also had the fifth best time of the day in any division.
The 6-foot-2, 160-pounder followed that up with a sixth place finish at the All-State Division 2 race in 16:26, the fastest time of any local male runner. He tied his home course record set by Peabody's Nick Christensen last year, and was unbeaten in dual meets all season. He finished second at the Frank Kelly Invitational Small School Race with the third fastest time of the day (15:59), and was third at Thetford Invitational in Vermont.
A three season track athlete who was named Most Valuable Player of the NEC, Hale is the conference's indoor and outdoor defending two-mile champion. He also holds down a 90 average in the classroom.
"Peter is very coachable and very self-motivated," said his coach, Jeff Bartlett. "He has matured as a distance runner this past year, and had a fantastic summer of training. He is very consistent and has learned a lot about patience, which you have to have in this sport."
Peabody Junior
Northeastern Conference all-star … Team captain finished in eighth lace at the league meet in 16:52 … Took home 22nd at Division 1 meet in a personal best time of 16:36 … Placed 76th at All-States in 17:23 … Three-season runner … Plans to continue running in college.
Masconomet Senior
Cape Ann League All-Leaguer … Was 5th at league meet in 16:34 … Best time at Bradley Palmer home course is 16:28, which is seventh-fastest all time for any Masco runner … Captain fought back from injury that sidelined him during season … Carries 3.5 GPA on 5.3 scale and will run at Franklin Pierce University.
St. John's Prep Junior
Won Catholic Conference championship race in 16:27 … League All-Star … 5th at Ocean State Invitational (16:35) to help team win … Ran 13:14 at Manhattan Invitational 4K to help team finish 3rd … 15th at Division 1 meet (16:31) and 34th at All-States in 16:56 … GPA is 4.4 … Wants to run at Dartmouth … Say biggest influence is teammate Tim Loehner, who helped push him and is like a brother
Marblehead Freshman
Northeastern Conference all-star was sixth at league meet in 16:36 … Placed 12th at Division 4 Meet in 16:36 … Was 26th at All- State in 17:08 … No. 1 runner for team all season … Won Frank Kelley Invitational Freshman Race … Carries 4.0 GPA and plans to attend college.
Peabody Junior
Had 4th place finish at NEC Meet in 16:26 … NEC all-star … 7th at Division 1 Meet in 16:06 and 30th at All-State in 16:50 … Fastest time of 14:34 on home course against Swampscott for 2nd behind Peter Hale … 3.4 GPA and plans to run in college … No. 1 runner for Tanners all season.
Marblehead Senior
Magicians' captain was also a Northeastern Conference all-star this past fall ... Finished 12th at NEC Meet in a time of 17:06 … Broke 17 minutes on his home course … An outstanding team leader … Carries a 3.4 grade-point average … Applied to several colleges outside New England area.
Hamilton-Wenham Junior
Personal best time of 16:03 at Cape Ann League Open for 2nd place … 12th at Ocean State Meet … 8th at Bay State Invitational … 6th at Division 5 Meet in 16:26 and 18th at All-State in 16:59 … CAL all-star and Division 5 state all-star … 10th at Nike Northeast Regional Open in 17:27 … 4.15 GPA … Plans to run in college.
Beverly Sophomore
Runner-up at NEC championship finished only 10 seconds behind Peter Hale (16:16) … Was 4th at Division 3 state meet in 16:15 and broke sophomore record by 27 seconds … Team MVP for second straight year … Large School Runner of the Year … Shattered freshman and sophomore course records … Placed 57th at All- State in 17:11 … Honor roll student … Wants to run at Division 1 college.
Masconomet Junior
Cape Ann League all-star in first year running cross country … Placed 4th in personal best time at Bradley Palmer (16:24) at League Open … 11th at Division 2 meet in 16:31 and 53rd at All-State in 17:09 … Fifth-fastest time at Bradley Palmer home course in Masco history … 23rd at Frank Kelley Invitational in 16:45 … Credits teammate Jake Moorman as having biggest influence on his athletic career because "his skill, determination and passion drove me to overcome obstacles and push myself."
St. John's Prep Junior
Placed at Catholic Conference meet in 16:33 … Ran personal best 16:14 at Division 1 meet, fastest by any Prep runner this season … Led team with 11th place at Division 1 and 32nd at All-State in 16:51 … Three-season track standout … Honor roll student … Says captains Nick Fecteau and Tom O'Shea helped him improve as a runner along with coaches John Boyle, Bill Boyle, Mike Cronin and John Klein.
Swampscott Junior
NEC all-star … Thid at conference meet in 16:20 … 5th at Division 5 meet in 16:22 … 15TH at All-State in 16:54 … No. 2 runner for Big Blue right behind Peter Hale all season … Excellent student … Plans to run in college … Says coach Jeff Bartlett has been biggest influence because "he pushes us at practice and has prepared us for the conference, state and All-State meets."
Bishop Fenwick Senior
Captain from Peabody runs all three seasons of track … Team MVP and league all-star … 2nd at Catholic Central meet in 17:01 … 16:49 time on 5K home course … Third fastest time on course by Fenwick runners and 6th best overall … 10th at Division 6 meet in 17:23 … 71st in 17:53 at All-State … Carries 4.8 weighted GPA … Will study biochemical engineering and run at WPI or Northeastern.
Masconomet Senior
Cape Ann League all-star was 9th at league meet in 16:47 … Only lost once in dual meets … Had time of 16:23 at Bradley Palmer, which tied for 4th fastest in Masco history … Finished 20th at Frank Kelly Invitational Large Schools race … Captain has 4.56 GPA on 5.3 scale and ranked 45th in class out of 310.
St. John's Prep Senior
Captain from Lynnfield voted funniest on his team … Was 4th at Catholic Conference championship in 16:45 … League all-star … 13th at Ocean State Invitational … Personal best time of 16:44 … 41st at All-State in 17:02 … Wants to go to Colby College and hopes to become a doctor (like his grandfather, Dr. Thomas O'Shea) … Carries 4.2 GPA.
Ipswich Junior
CAL Small Runner of Year … Unbeaten in CAL Small … All-Leaguer placed 7th at CAL Open in 16:41 for a personal record time … Was 6th at Division 6 meet in 17:10 … 81st at All-State in 18:03 … Three-season track standout's goal is to keep improving and run in college … Has 3.8 grade-point average.
BEVERLY : Campbell Wood, Soph.; Michael Scott, Jr.; Michael Black, Sr.
BISHOP FENWICK: Dan Deschenes, Sr.; Nick Tambini, Jr.; Jim DiGiulio, Soph.
DANVERS: James Bailey, Jr.; Kevin Hebert, Soph.; Ryan Heber, Jr.
HAMILTON-WENHAM: Jack Blatchford, Soph.; Mike Allara, Soph.; Sam Erhard, Soph.; Kevin Rutigliano, Sr.
IPSWICH: Zach Angell, Sr.
MARBLEHEAD: Chris Rodts, Jr.; John Howard, Sr.; Adam Linsky, Fr.; Nick Carr, Jr.; Chris Wigglesworth, Jr.
MASCONOMET: Liam Davis, Sr.; Jay Polakiewicz, Sr.; Scott Gilfeather, Sr.; Danny Cosgrove, Fr.
PEABODY: Richie Fournier, Jr.; James Christopher, Sr.; Cody Picardy, Jr.
PINGREE: Evan Maravelis, Fr.; Kyle Skelton, Jr,; Carmine Piantedosi, Sr.; Brian Hodlin, Sr.
ST. JOHN'S PREP: Nick Fecteau, Sr.; Colin Monahan, Jr.; Scott Atwood, Jr.; Brendan Massey, Sr.
SALEM: Aidan Scrimgeour, Sr.; Anand Patel, Soph.
SWAMPSCOTT: Sam Crimmins, Jr.


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11 Retirement Benefit Changes Coming in 2012
Expect more 401(k) fee disclosures and bigger Social Security checks next year.
Seniors will get significantly bigger Social Security checks in 2012 and face only modest increases in Medicare premiums. Workers will also be eligible to defer taxes on more money in their 401(k) plans and get more disclosures about the fees and expenses they are paying. Here's a look at how retirement benefits will likely change in 2012.
Bigger Social Security checks. Social Security recipients will get a boost in payments next year for the first time since 2009. Social Security checks will increase 3.6 percent in 2012, with the typical retiree receiving about $43 more per month.
[See The 10 Best Places to Retire in 2012.]
Higher Social Security taxes. The maximum amount of earnings subject to Social Security tax will increase to $110,100 in 2012, up from $106,800 in 2011, and result in about 10 million workers paying higher Social Security taxes. Also, the temporary reduction in workers' Social Security taxes from 6.2 percent to 4.2 percent of earnings in 2011 is scheduled to end this year under current law.
A small increase in Medicare Part B premiums. The standard Medicare Part B premium will be $99.90 in 2012, up $3.50 from 2011 for people who signed up for Medicare in 2009 or earlier. Retirees who signed up for Medicare Part B in 2010 or 2011 and were charged the standard premium for new enrollees of $110.50 or $115.40, respectively, will see their premiums decline to $99.90 in 2012. High-income Medicare recipients whose modified adjusted gross income is greater than $85,000 for individuals or $170,000 for couples must pay higher Part B premiums, ranging from $40 to $219.80 per month more than the standard rate. But even most high earners will pay less in Medicare premiums than they did last year.
Slightly better Medicare Part D gap coverage. Medicare Part D plans have a coverage gap that begins once an enrollee spends $2,930 on prescription drugs and lasts until catastrophic drug coverage kicks in after the retiree has spent $6,658 on medication. Brand-name drugs purchased in that gap will be discounted by 50 percent and generic drugs by 14 percent in 2012, up slightly from 50 percent and 7 percent, respectively, in 2011. "Every plan is now offering a certain level of coverage in the coverage gap, which in previous years was a big concern for some people," says Juliette Cubanski, a policy analyst at the Kaiser Family Foundation. "As part of the health reform law, the coverage gap is being phased out over time. That improves the value of the Part D benefit for every plan that is out there."
Higher 401(k) limits. The contribution limit for 401(k)s, 403(b)s, and the federal government's Thrift Savings Plan will increase to $17,000 in 2012, up from $16,500 in 2011. However, catch-up contribution limits for those age 50 and older will remain $5,500 next year.
[See How to Maximize the Higher 401(k) Contribution Limit.]
401(k) fee disclosure. Retirement savers can expect to get additional information about the costs and fees that are deducted from their 401(k) account. The Labor Department issued a regulation in 2010 that requires most 401(k) plans to disclose the fees associated with participation in the 401(k) plan and costs of each investment option to plan participants by May 31, 2012. "Because employers have to produce this for participants, they are paying more attention to their fees. It's causing them to look for lower-cost investments and recordkeeping solutions," says Robyn Credico, senior retirement consultant at Towers Watson. "Participants will see a line item of fees on their statements. They were always paying it, but it will be more transparent for some participants."
More 401(k) investment advice. A new Labor Department rule that goes into effect on Dec. 27, 2011, says retirement plan administrators will now be able to give advice to account holders if they meet specific requirements that ensure unbiased recommendations. "More employers are offering advice and offering more methods," says Pamela Hess, director of retirement research at Aon Hewitt. Advice dispensed through a 401(k) or IRA must be given by an adviser whose compensation does not vary based on the investments selected, or given using a computer model that an independent expert certifies as unbiased.


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Adam Tanner, Contributor
I write about the business of personal data.
What you look for on the Internet reveals a lot about you, which is why a growing number of people are turning to services that do not track their searches and offer greater privacy protections than Google.
"The consciousness is only slowly building on the dangers," says Robert Beens, CEO of Dutch companies Startpage and Ixquick, which provide anonymous searches. "It is very easy to see how this treasure trove of data can be misused in the future."
"For instance, you make searches for your medical condition…That is extremely interesting information for medical companies, for insurances companies."
"It could increase your premium if you search for a couple of specific keywords. It is not being done today, to my knowledge, but it is very easy to see it leading to that in the future."
Ixquick, which started the same year as Google in 1998, and its sister site Startpage had fewer than a million visitors a day in January 2012 when Google changed its privacy policy to combine user information from its various services. Within two months the alternative sites saw traffic double. By spring 2013, the number of visitors was up to about 2.5 million a day. Then Edward Snowden's revelations about government snooping led to a new wave of interest in the sites. Traffic today is more than five million users a day.
Another privacy friendly search site, DuckDuckGo, saw similar spikes in traffic at those junctions and now has nearly 4.5 million visits a day.
To be sure, Google crushes the competition in search. For the U.S. market in December, Google has 67.3 percent of the market with 12.3 billion searches a month, followed by Microsoft sites (18.2 percent), Yahoo (10.8 percent) and Ask (2.5 percent), according to comScore.
The reason for Google's dominance is clear: many users find the site more fulfilling than alternatives.
How do these privacy friendly sites work? Startpage uses Google results which it buys from the company (in a slightly less user friendly interface); its sister company Ixquick, as well as rival site DuckDuckGo, present results compiled from a series of different search engines. For example, DuckDuckGo says its sources are its own web crawler, Yahoo!, Yandex, WolframAlpha, Bing and crowd-sourced sites such as Wikipedia.
Another privacy option comes from Boston-based Abine, which offers a free Firefox browser plugin GoogleSharing that scrambles the records of Google searches among different users. With the browser, you use the same Google.com page, but it may not always work as smoothly as going directly to Google. About 50,000 people use the plugin daily.
"It looks like you are coming out of a big corporate network," says Abine CEO Rob Shavell says about Google's ability to track users of the plugin. "There are still some bugs so are we rebuilding the platform…It's a little bit of a cat and mouse game."
Are these search engine privacy companies making a big fuss over nothing? I contacted Google for their response. "Some privacy advocates say in the future Google could sell searches to insurance companies and others," I wrote. "Has that ever happened and could that happen in the future? What can the company say to calm any possible user concerns on this issue?"
The official corporate response avoided any direct response to that or other questions I posed. The spokesman also asked that his name not be printed, despite a specific request that a named official speak for Google.
"Google goes above and beyond to make sure your information is safe, secure and always available to you," the spokesman said. "Our commitment to the security of your data is absolute — we have more than 400 full-time security experts providing design reviews, consulting, training and education across the company, as well as building privacy and security technologies into our products."
I wrote again seeking more precise answers and perhaps the opportunity to talk with one of those 400 security experts. They did not write back.
Google makes billions of dollars through its beloved search engine by running ads alongside the results. The negative exploitation of an individual's search data forecast by Robert Beens of Startpage has yet to happen, as far as anyone knows. But it does seem that Google could do more to allay fears that someday search histories could come back to haunt.
For millions of users, that uncertainty means they turn to the privacy friendly alternatives, especially when looking up topics such as medical ailments or sensitive personal issues.
Also on Forbes:
A Better Question to Ask Google: Sometime soon when Google encrypts everything, Who ( which persons) will be entrusted with ensuring that personal privacy keys are shared with users.
How can you not mention anoox.com which is one of the best alt Search engines to google, since it is a Social networking based search engine, and it does not track you either.
Moreover, the example that this article gives for dangers of Google tracking your searches, that is:
"It could increase your premium if you search for a couple of specific keywords. It is not being done today, to my knowledge, but it is very easy to see it leading to that in the future."
ONLY applies in USA where we do not have Government run Universal Socialized health care (NHS) and as a result of which health insurance companies can American people more for having an illness whereas such a thing is considered criminal at best in all developed Nations that have NHS. And lets state that:
not 70%, not 80%, not 90%, but 100% of all developed Nations, that is all European Nations, Canada, Australia, Japan including Israel the beloved Nation of Republican lunatics & fraud Obama Democrats have had Government run Universal Socialized health care (NHS) for many Decades.
And WHY?
Because NHS gives health care to all their People for Taxes that they pay, while cutting health care spending by 50%! Repeat NHS gives health care to all their People while cut, repeat cut, health care spending by 50%, which means in case of US it would cut the Debt & Deficits that TEAPublican lunatics and right-wing Media supposedly all of a sudden, since 2009, became so worried about by about $1-Trillion Per Year.
So here is the real nightmarish fact: the same Wall Street Money that is behind Google is also behind American people not having NHS.
which is even more reason to use a search engine like anoox which is not-for-profit and the search results are controlled by US the People.
Consumer trust in Google is at an all time low and is still falling fast. This creates a huge opportunity for any search engine that's willing to make a privacy statement that Google won't of can't make. Lack in trust is growing and still in its early stages, but its is growing into a real shift, that will open the door for new competitors, as well as established players.
the selling of data is far more profitable then the actual revenues from click through. Since search engines no longer get to bill company A every single time you use the service to look up their address (use of cookies and today ISP's as well) search engines track how often you go to campany A and then make ads to you from Company A or worse competitors. Nothing is ever really free in this life except for STD's and you pay to get rid of those.
Since this is tax season for all you who think online services are free go read the agreement. Sure you do not pay to have your federal return done but they break the information into clusters and sell your data. It cannot by law give specifics but depending on how tight a mailing list I want I can know more about you then you would ever tell your family. It is far more profitable to sell data then to charge for service. I would hire a team of date entry people and prepare taxes both federal and state for free if as a preparer I could sell the data but I am prohibeted from doing so.
Blekko.com and DuckDuckGo are the alternative search engines I use most. Also consider using different browsers for different accounts.
For the times when I need to use Google, I use a "clean" anonymized browser for research. To view unfiltered news I use Firefox in "Private mode" — and never log in to a Google, Facebook or other social media account with this browser, along with blocking all ads. Otherwise, I use Chrome for one set of social media accounts, and Microsoft Internet explorer for another.
I use "anonymous" Firefox so the search engine will not customize news results. When I am finished with my research, and before I close Firefox, I delete all cookies, browsing history, etc.
All this discussion here about nothing – it is useless and ineffectual as none of you are going off the grid and that is the only way to live in the current world and not be tracked by some entity. Google is this year's whipping boy; suddenly this company is everyone's favorite bad corporation. So ridiculous. If you folks truly were unaware of the reality of the NSA and what it does for America, then you all need to pay more attention to your country's history and day to day governance. The NSA has been around for a very long time. During their existence there is not one American who can claim to have been injured in any way by the work of the NSA. Accordingly, whatever Google is doing every other web-based entity is also doing. Whether they admit to it or not. Why do I know this? Because the purpose of a business is to make money, the business cannot survive without income. Facebook is using your info, Amazon is using your info, Zappo's is using your info, Bed Bath & Beyond is using your info – there is no way to escape this short of doing the 'movin' to Montana' thing, and I suspect those folks are being tracked in some way along with the rest of us. So go to your "alternative" search sites, doesn't matter. Either these entities will cease to exist sooner rather than later (lack of income), or they too will make money off you in some manner, shape or form.
Adam you missed https://zeekly.com. Zeekly has done very well during its first 6 months online, also, and is getting a lot of attention. The site doesn't store search history data and is using 2048-bit SSL encryption.
No meantion of the only privacy based social network http://theWWWd.com given that social networks are the biggest trend online it makes me wonder if this is just an ad disguised as an article. I mean what is more dangerous that they record your search or all your private thought and converstations?


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D. J. Smoot
A 100-year-old landmark burned to the ground early Sunday, the work of what some townsfolk believe was an arsonist.
Cody Austin Thompson, a next-door neighbor of the destroyed United Methodist Church, said his dog alerted him to the blaze. He stepped outdoors just before midnight Saturday to a thick haze of smoke. By the time he got to the phone to report his findings, Thompson said, the church "just started blazing and lit up my yard like a Christmas tree."
"My dog doesn't bark unless it's very important, so I knew something was wrong," he said. "I walked out onto the porch and thought my glasses were fogging up, the smoke was so thick, then just all of a sudden it just started blazing."
Police Chief Terry Gorman and firefighters on the scene Sunday morning stopped short of declaring the fire suspicious, but the Oklahoma State Fire Marshal's Office was called to investigate the origins of the blaze. Gorman declined to discuss the fire further, citing the investigation, or whether it might be connected to vandalism reported around town during the past couple of weeks.
Thompson and Sandra Gable, another neighbor whose family has attended the church for generations, held back nothing about their suspicions. Gable said vandals broke out a stained-glass window the same weekend that vandals struck the school.
"Last weekend they broke the windows out, and now they've burnt it down," said Gable, who was away from home camping Saturday night. "This is a terrible loss — that is God's house, and our church doors have always been open to anyone … anyone."
Gable said she found evidence a couple of weeks ago that indicated someone had tried to break into her garage. When the church windows were broken out, Gable said, she heard noises, but she thought the sounds were coming from the river to the south, so she never investigated.
"This is a crying shame," Gable said about the destruction of the church, which she called a historic landmark. "We need night patrols in our town — we're taxpayers here and we deserve protection."
Okay firefighter Mike Blackwell said that when first responders arrived early Sunday, the original structure was engulfed by flames. Firefighters were able to save most of a newer addition that adjoined the sanctuary.
"It was fully involved when we got here," Blackwell said. "When you have a structure that old, that wood gets dry, and the fire just took over."
Gorman said Sunday afternoon that it was unknown when an investigator from the fire marshal's office would arrive.


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A hockey tournament for physically and developmentally challenged players will be held Saturday, Feb. 2 at the Town of Oyster Bay's Ice Skating Center in Bethpage, according to the Town.
"These games will showcase some talented players, who, despite their challenges, play a very competitive game," said Supervisor John Venditto. "It's inspirational to see them overcome their obstacles by focusing on their abilities, not their disabilities."
Venditto said the Long Island Blues Special Hockey Winter Classic will be an opportunity for residents to enjoy some great hockey and the Town's state-of-the-art ice skating center, which has hosted many competitive and community events featuring some high-profile skaters.
"I expect many residents will appreciate the opportunity to see these outstanding special athletes compete and I hope our residents come out in large numbers to support them," Venditto said. "They serve as testament to what can be achieved through caring coaching, perseverance and determination."
For more information about the games and other programs at the rink, residents can visit the Town's website at www.oysterbaytown.com or call the Town of Oyster Bay Parks Department at 516-797-4125.
Reminders for the week:
- Monday is Martin Luther King, Jr. Day.
- Monday and Tuesday sanitation and recycling collections will be made Tuesday and Wednesday.
- The first day to apply for picnic permits is Wednesday.
- Mooring applications are mailed out Friday.
Mark your calendars:
Town Board Meeting
Where: Oyster Bay Town Hall North
When: Tuesday, 10 a.m.
Children's Magical Music & More
Where: Hicksville Public Library
When: Saturday, 2 p.m.
Distinguished Artists Concerts
Where: Syosset Public Library
When: Saturday, 8 p.m.


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Nearly 200 people gathered at Harbor Links Club House in Port Washington Wednesday afternoon to hear North Hempstead Supervisor Jon Kaiman deliver his tenth State of The Town address. The presentation was hosted by the League of Women Voters of Port Washington-Manhasset.
Kaiman highlighted the town's preparation and response to Superstorm Sandy, the town's finances and its building department. He also touched on a plan to challenge Nassau County's tax assessments.
While Sandy didn't cause the kind of devastation seen on the South Shore and elsewhere in the region, three North Hempstead residents lost their lives, he said.
Sandy's wind damage and power outages affected 90 percent of the town, and saw a storm surge that caused the waters to rise 24 feet. During and after the storm, the town's 311 call center fielded 37,533 calls. And its solid waste facility took in over 80 million pounds of tree debris.
And while millions of dollars are being spent on restoration and mitigation, Kaiman said, "it is not clear how this storm will impact us financially," adding that the billions of dollars coming into the region will "most certainly be a stimulus to our economy."
But the town's finances, he said, remain stable, pointing to the town's bond rating to Aa1 or its equivalent. He attributed that stability to managing "municipal affairs, while making improvements, while paying down debt, while bringing in grants to cover new programs and projects, and all the while keeping our tax burden fairly steady."
He added that the town is pursing national accreditation of its buildings department. With its application submitted, the town will be assessed by the International Accreditation Service this spring. The buildings department in 2012 issued 5,340 permits, up 5.2 percent from 2011. The department also issued 4,795 certificates for construction-related projects, up 13 percent from 2011.
The town is looking to initiate a North Hempstead alert, "taking a page from the Port Washington/Manhasset OEM," Kaiman said. "This program will allow all town residents to be contacted through cell phones via text messaging during an emergency," reaching "tens of thousands of residents at little expense and in real time."
Speaking of the Nassau County property assessment, Kaiman said the town may soon assist filing a tax challenge with the county on behalf of its 75,000 homeowners. "Almost everybody now who challeges their assesment wins," Kaiman said. It's a system, he added, where those who don't challenge their assessments could pay as much as $5,000 more in taxes to make up for the losses for those who won, putting stress on the town and schools. Those whose homes were destroyed by Sandy would be welcome in the discussion in the coming months.
The full speech will be available online and on the town's cable channel and on North Hempstead TV.


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Shaver Elementary
3701 NE 131st Place
Portland, OR, 97230
Phone: (503) 408-2850
Fax: (503) 408-2890
As a Shaver staff, we are committed to providing high level instruction for our students. Our instructional focus is to provide a rigorous and systematic academic instructional program that is aligned to the Common Core State Standards. Our school offers the SUN program which provides a partnership with our community through an after school program with an academic focus as well as a weekly food pantry. As a district, we are implementing the AVID (Advancement Via Individual Determination) system to help develop critical thinkers who achieve at high levels. Our goal is to prepare all students to be college and career ready.
In addition to AVID, our school utilizes PBIS (Positive Behavior Intervention System). We expect our students to Be a Learner, Be Responsible, Be Respectful and Be Safe. PBIS practices are rooted in explicitly teaching behavior expectations in all settings of the school and reinforcing positive student behaviors through a variety of classroom and schoolwide methods.
The staff at Shaver believes that teaching children is a team effort. You are your child's first teacher and we have much to learn from your experiences and knowledge in order for your child to be successful in school. You and your child are important members of our team. You are welcome to attend our monthly assembly focused on college/career readiness and PBIS. We hope that you will find community with our growing parent group that meets monthly. We welcome volunteers and look forward to working with you.
Renee Caballero
Shaver Vision Statement:
Honoring each student with high expectations in an engaging, safe environment in partnership with our community.
Shaver Mission:
We believe in high expectations for all, strengthened by diversity, promoted by best practices and nurtured in a caring and safe environment.
This is an art project that was created by Ms. Tucker's 4/5 grade class. They are going to be competing with other schools and districts. Their art project will be voted on, and if they win they will get to eat lunch with the Chief of Police! Good luck Ms. Tucker's class!
Important Info:


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AACC Interior Design Students Earn Regional Honors
Anne Arundel Community College interior design students won first and second place in the annual Chesapeake Home and Living and American Society of Interior Designers (ASID) awards for exceptional design.
Ashby Walsh Williams of Annapolis took first place for her Eastern Shore Retreat window treatment and Sophie C. Honeywell of Crownsville took second place for De Kooning's "February" Screen, both in the Design Element category of the student competition.
Design is a second career for both women. Williams, a first-year AACC student enrolled in a degree program, worked in communications for a nonprofit organization before deciding to pursue her interest in interior design. While working in a furniture showroom in Washington, D.C., her interest grew into a passion. As part of "Introduction to Interior Design" (ACH 100) , Williams' design is a window treatment she created for a client who wanted her son's room to double as a guest room while he was away at college.
Honeywell, who has a Bachelor of Science degree from Syracuse University and worked as an assistant store manager for Gucci in Boston and Salvatore Ferragamo in New York City, hopes to use her skills in management, customer service and display as she switches her career to interior design. She is in her second year at AACC and expects to earn her degree after the fall 2012 term. Her design was based on her final exam project for "Textiles and Textile Applications" (ACH 105) to create a work of fine art out of textiles. She was inspired by a Willem De Kooning painting, "February" and wove fabric into wire poultry net to form a screen that resembled that painting.
The awards were announced in the October/November issue of Chesapeake Home and Living magazine. AACC's Architecture and Interior Design program, which has had award winners for at least the last five years, offers both instruction and hands-on experience on real-life projects, such as renovations or structures for nonprofit groups or government agencies. The program includes Associate of Applied Science degrees in Architecture, Construction Management and Interior Design, as well as certificates in Advanced Interior Design, Architectural CAD (Computer-aided design), Architectural Illustration, Construction Management, Construction Management Entrepreneurship, Interior Design and Landscape Architecture Design.
For information, call 410-777-2442 or visit www.aacc.edu/architecture.
About Anne Arundel Community College
Anne Arundel Community College is an award-winning, fully accredited public two-year institution serving approximately 53,000 students each year through classes offered at more than 100 sites in Anne Arundel County or online. National and regional award-winning studies can lead to a degree, certificate, industry credential, transfer to a four-year institution or career enhancement, personal enrichment and lifelong learning. AACC began celebrating its 50th Anniversary this fall.


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Leonard Hankerson, WR, Redskins
|NFL Team
|4 years
There is no 2014 profile for this player yet. Here is his 2013 profile:
2013 Outlook: Super Sleeper (high risk/potential)
Update (8-20): Hankerson hauled in a spectacular one-handed catch for a 10-yard touchdown in the Redskins' preseason win over the Steelers on Monday night. The third-year receiver also left the game early with a right knee injury, the severity of which remains unclear. Assuming the injury is minor, Hankerson remains a risk-reward option worth considering in the final rounds for owners in 12-team leagues. The risk is the 6-foot-3 target remains the inconsistent and injury-prone player he has been through two seasons. The reward is he's the Redskin receiver to own after Pierre Garcon, though that's not saying much. He finished with two receptions for 26 yards.
Everyone loves looking for sleepers. Wide receivers entering their third season are always a popular spot to search for flyers. When fantasy owners do, they will come across the 6-foot-2 Hankerson, who showed good pop as a sophomore after injuries and inconsistency wrecked his rookie season. Last year in 16 games, the former product from the U hauled in 38 receptions for 543 yards (more than Josh Morgan on 10 few grabs) and three scores. Outside of Pierre Garcon, Hankerson has the freakiest physical gifts of the Redskins wide outs and offers RGIII a sincere Red Zone threat. Seeing as Morgan is more of a blocking option and Santana Moss is closer to the end than the beginning of his career, opportunity exists for Hank to emerge as a primary threat (though he'll likely start as a WR4 in Washington). Moss has more immediate fantasy value as a spot starter, but Hankerson has more home run potential. Don't sleep on this sleeper in the late rounds, assuming he builds on his more consistent second season during his third training camp.Last updated on Aug-21-2013 by Ben Standig
2013 Mock Draft Results
2013 FFToolbox Staff Mock Draft #1
June 18th, 2013
|DLF.com - TheFFGhost - Pick made based on My Draft Queue
2013 FFToolbox Expert Mock Draft #2
July 2nd 2013
|FFToolbox - An under achieving flier in the 17th round. Maybe RG3 can make the most of his talent. Garcon is injury prone and is known to miss time.
2013 FFToolbox Expert Mock Draft #3
July 9th, 2013
|DraftSharks - I don't believe in Hankerson, but there's not a lot of other upside in Washington's WR corps. RG3 made all of his pass-catcher better last season and should do so again. The question will be whether Hankerson can seize the bigger role his coaches hope for or prove he's just a big, fast guy who can't turn into an NFL starter.
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Tags: Leonard Hankerson, Redskins, Washington


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Q: I know that The Revolution and The Chew will be airing on WFAA this fall and that unfortunately, Katie Couric will also be invading homes in 2012. I just saw a promo for Anderson Cooper's new show to air this fall at 3 p.m. What time slot will WFAA give to General Hospital this coming fall? It currently has the 3 p.m. slot. Just so you know, like many other outraged soap fans, I will not be tuning in to the new "lifestyle" shows on ABC. General Hospital and Dr. Oz will be the only daytime programming worth watching.
A: Thank you for the email, Mary. Regret to know you are not a fan of ABC's decisions. As you know the network and not stations such as WFAA initiated these changes. The Chew is scheduled to air at 11 a.m. in place of All My Children. News 8 Midday airs at Noon followed by One Life to Live (probably until January 2012, however we do not have a firm last telecast date from ABC at this time) at 1 p.m. and General Hospital at 2 p.m. In terms of WFAA programming, we will air Anderson, which is scheduled at 3 p.m., taking the place of Dr. Oz, which moves to 4 p.m. replacing Oprah this fall. The WFAA changes happen on September 12. We hope this information is useful. Thank you again for taking the time to write: we very much appreciate that.


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PRAN JHA is a partner in the Corporate practice group in the firm's Chicago office. His principal areas of practice are Mergers and Acquisitions and Corporate Finance as well as General Corporate Counseling.
Mr. Jha has extensive experience representing purchasers and sellers in a variety of merger and acquisition transactions, including cross-border transactions. Transactions in which he played a major role include Smith & Nephew plc's offer for Centerpulse Ltd., NTT Communications Corporation's purchase of Verio, Inc., Smith & Nephew plc's purchase of ORATEC Interventions, Inc., the purchase of CareerBuilder, Inc. by Tribune Company and Knight Ridder, Inc., Owens Corning's purchase of Fibreboard, Inc., the sale of The Chicago Dock & Canal Trust to Cityfront Center, LLC, the sale of Helene Curtis Industries, Inc. to Unilever plc and the sale of EMPHESYS Financial Group, Inc. to Humana Inc. Mr. Jha also has experience with spin-offs, having represented Marshall & Ilsley Corporation in its sponsored spin-off of Metavante Corporation.
Mr. Jha has extensive experience with companies that develop and market medical products and pharmaceuticals, having represented such companies (and underwriters for such companies), including Baxter International Inc., Cephalon, Inc. and Smith & Nephew plc, in a variety of mergers and acquisitions, financing transactions and general corporate matters. Mr. Jha also has been involved in the structuring and formation of numerous joint ventures involving industries including internet media, medical products and consumer products.
In addition, Mr. Jha has extensive experience in representing issuers, underwriters and investors in public offerings and private placements of debt and equity securities. Mr. Jha also has experience in representing private equity investors and entrepreneurs in the formation and funding of early stage companies.
Mr. Jha has been recognized by PLC Life Sciences as a leading lawyer in the area of corporate law, by Legal 500 as a leading lawyer in the area of life sciences corporate law and by Who's Who Legal as a leading life sciences transactional lawyer. He has also recently been featured as a Life Sciences Star in the inaugural edition of LMG Life Sciences 2012 for his outstanding transactional work.
Mr. Jha is an Adjunct Professor at the Northwestern University School of Law.


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Bishop finished 11th out of 23 starters, including being the second-top finisher among Division III competitors in the meet. She recorded a throw of 47.4 meters, or 155'6".
The Pride return to action this weekend as it travels to Smith College for the New England Women's and Men's Athletic Conference (NEWMAC) Championships.


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Influenza cases are on the rise throughout the entire country, and area schools and hospitals in Waukesha County are seeing a huge increase in the illness this year compared to last year.
Muskego-Norway Schools seem to be immune, however. Superintendent Kelly Thompson told Muskego Patch that the increase from Jan. 2012 to 2013 for absentees has been only 0.6 percent.
Flu cases in the Milwaukee area have increased to an "intense" level, significantly exceeding moderate levels in 2011-12, according to Google Flu Trends.
Wisconsin is among 42 states to have a widespread flu outbreak, according to the Centers for Disease Control and Prevention. All 50 states are reporting symptoms, with Hawaii only reporting sporadic cases.
More than 1,200 people in Wisconsin have been hospitalized because of flu symptoms, creating crowding problems at Milwaukee-area hospitals, according to Today's TMJ4.
The increase of flu cases isn't isolated to Milwaukee County. ProHealth Care in Waukesha County saw between 20 and 22 hospitalizations during the entire flu season in 2011-12. This year, they've already suprassed 100 hospitalizations at Waukesha Memorial Hospital and Oconomowoc Memorial Hospital, according to Andre Pells, a nurse in ProHealth Care's infection control department.
About 90 percent of patients admitted are over age 65, Pells said.
"It is typically our older population who are requiring hospitalization," Pells said.
A few "sporadic" cases of influenza among a younger population have also required hospitalization, Pells said.
"On any given day, we are seeing children, teens, 20s, 30s, 40s – all the way up," Pells said. "Their illnesses are not requiring hospitalization."
Let Patch save you time. Get great local stories like this delivered right to your inbox or smartphone everyday with our free newsletter. Simple, fast sign-up here.
Peggy Eckart, manager for the infection control department, said 98 percent of state flu tests show the influenza strain is the same throughout the area. The flu strain "is typically harder on the older population," Eckart said.
It's difficult for ProHealth Care officials to gauge how many patients have the influenza. Once it is diagnosed in a family, other cases in the household are treated without testing. However, the urgent care clinics saw twice as many patients than normal during the week between Christmas and New Year's with the majority of the patients having flu symptoms.
Once a person becomes sick with the flu, Eckart said they should contact their physicians because medication can help lessen the symptoms and shorten the duration of the flu.
"It is important to get it early on in the illness," Eckart said. "Ideal is within the first 48 hours."
It's not too late to receive flu shots. The state and public health departments are encouraging the influenza vaccination as it not believed the flu season has yet hit its worst point.
And the flu season still lasts for a few more months. This year's flu season is the worst in five years in Wisconsin, and it hasn't reached its highest point yet. The season peaks in a few weeks, according to Fox 6 News.
"Since we had such an early onset this year and an early peak, could we see a second peak in the February, March time frame? I think that is an unknown," Eckart said.
Flu Symptoms
The influenza is contracted through drops of moisture spread through the air when a person cough, sneezes or talks, according to the Wisconsin Division of Public Health. Symptoms can take between one and three days to appear. Infected people can be contagious for one day before the illness and up to five days after the illness. Its onset is generally sudden.
According to the Wisconsin Division of Public Health, symptoms are:
- Fever
- Chills
- Headache
- Dry cough
- Aching in the muscles and joints
Where to Get a Flu Shot
While the best time to receive the influenza vaccination is in October and November, there are still flu shots available. If you're considering getting a flu shot, here are some places in Muskego that offer the vaccine:
- Walgreens - west side
- Walgreens - east side
- Pro Health Care
- Aurora Health Care - Moorland
- Aurora Health Care - Parkland
The Centers for Disease Control and Prevention offers the following information:


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-- Washington is in early lead in NL East; if they contend all year, they'll have a huge decision to make as far as Strasburg's innings go. They want to keep him around 170 IP this year, but what if they're a contender?
-- Angels are 3-6; they don't have much of a bullpen.
-- Dodgers are off to a 9-1 start, their best start since 1981.
-- Mike Tirico was saying today it takes around 40 people to change the Staples Center from a basketball arena to a hockey arena. Laker game ended around 6:00; Kings' game started at 10:45. Pretty cool.
-- Sad to report the passing of former Florida Gator Dwayne Schintzius (43) and former Rams' center Rich Saul (64). Life is short; lets have fun.
-- Temps in the northeast are expected to be in low 90's Monday, way too hot for the Boston Marathon. Hope everyone stays hydrated.
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Bottega Veneta Launches Pop-Up Store at Salone del Mobile
MILAN, Italy–In conjunction with Salone del Mobile, Bottega Veneta will feature a pop-up store of Japanese wares. It is part of the company's week-long celebration of Japanese design and craftsmanship, as the company will also highlight the winning furniture designs from its recent student design competition, in collaboration with Tokyo University. Located on the fourth floor … More »


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1ap·proachverb \ə-ˈprōch\
: to move or become near or nearer to something or someone
: to move or become near or nearer in time to something
: to get close to (an amount or level)
Full Definition of APPROACH
Examples of APPROACH
- The cat approached the baby cautiously.
- Ease off the gas pedal to slow down as the bend in the road approaches.
- We are approaching the end of the fiscal year.
- This weekend we're expecting temperatures approaching 100 degrees.
- The success rates approach 90 percent.
- He has a wild laugh that sometimes approaches hysteria.
- a reproduction that approaches the quality of the original painting
- The supervisor is quite easy to approach, so don't hesitate to bring up any problems you have.
- We were advised to never be too aggressive when approaching a potential client.
Origin of APPROACH
Related to APPROACH
: a way of dealing with something : a way of doing or thinking about something
: the act of moving or becoming near or nearer to someone or something : the act of approaching : an act or occurrence in which something comes nearer
: the act of speaking to someone for some purpose (such as to ask a question or make a request)
Full Definition of APPROACH
Examples of APPROACH
- trying a more healthy approach
- The cat made a cautious approach.
- The quiet afternoon was interrupted by the approach of a motorboat.
- A loud growl warned us of the bear's approach.
- With the approach of summer came longer, hotter days.
First Known Use of APPROACH
ap·proachnoun \ə-ˈprōch\ (Medical Dictionary)
Medical Definition of APPROACH
Learn More About APPROACH
Previous Word in the Dictionary: appro
All Words Near: approach
Seen & Heard
What made you want to look up approach? Please tell us where you read or heard it (including the quote, if possible).


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Kate Kendall teaches the basics of yoga in this six-part series. In the fourth instalment,...
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By CHRISTIN COYNE
A suspect in a Parker County child molestation case who investigators say posed as a youth-pastor-in-training was recently arrested on an additional charge involving another child, raising concern from some parents about the man's contact with other children.
Ethan Charles Stringer, 22, was arrested March 28 in Weatherford on a Nolan County charge of sexual assault of a child, jail records indicate, and was held on $100,000 bond before being transported to Nolan County.
The Sweetwater Police Department declined to release any information Tuesday other than to confirm Stringer had been arrested.
However, Parker County Assistant District Attorney Robert DuBoise confirmed that authorities charged Stringer with indecency with a child in an incident that is believed to have occurred prior to the Parker County incident.
Delayed outcries are not unusual in child sexual assault cases, according to DuBoise.
Stringer was reported to be involved with the junior rodeo in Nolan County at the time.
The mother of the Parker County boy, who the Democrat is not naming to avoid identifying an alleged sexual assault victim, said she is concerned that Stringer may have sexually abused other boys, as well.
The mother told Weatherford detectives that her son met Stringer about six months prior and Stringer told her that he was studying to be a youth pastor.
The mother reported that Stringer told her he would watch over the boy, who was 13 years old at the time, would not let anything happen to him and "would keep him 'on the right path,'" according to police.
Stringer reportedly spent the night with the family in April 2012 and was planning to go to church with the boy Easter morning.
However, the boy told his mother that Stringer entered his room and molested him during the night, according to the probable cause affidavit.


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August 2, 2014
November 5, 2007
Al Groh sat down with Marc Davis for his weekly interview and discussed Virginia's one point victory against Wake Forest, and how certain areas of his team are developing. Coach Groh also discussed Saturday's game against Miami.
Click in the above video link to view this week's interview.


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The Roll Bama Roll/Well That's Cool Sunshine Express begins its journey to Tuscaloosa on the left coast where volunteers in Southern California had collected heaps of stuff to send east.
The Roll Bama Roll / Well That's Cool Sunshine Express gets started on its epic journey today in Los Angeles.
Roll Bama Roll and Well That's Cool are collaborating to bring a truck from the west coast for the tornado relief efforts. We plan to pick up donations along the I-10, I-20 route to T-town.
That, my friends, is my uncle's house in Pleasant Grove. His is the only one in the neighborhood that had walls of any type still standing. We need to remember the small towns between Tuscaloosa and Birmingham also have a lot of needs. Let's keep up the good work.
Roll Bama Roll continues to try and keep up with the disaster relief efforts but the sheer outpouring of support for those affected by last Wednesday's tornadoes is making it a real challenge.
Roll Bama Roll gives the daily roundup on news related to the deadly Tornadoes that scoured the South last Wednesday.
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Hey dude sori for pissin u abt with dump valve byn wrkin away but ill pass ur number onto my mate who wanted it if u still got it.
were are you based pal
is that altringham?
altham, 25mins from manchester.
yeah 40 quid
Could meet you today, whenever you want, dunno a service station?
Best...i ment lol. Spell check i hate it lol
Ok mate yeh i could meet you. When would you be able to meet and wher would be beast?


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Design: PD2249
Prom Romance Personalized Playing Card Cases
Personalized Playing Card CaseFAVCDP
Made to Order - 1 business day processing+shipping
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Qty. of 288 - 431 price $2.49 each
Qty. of 432 + price $2.29 each
Celebrate Prom with a long-lasting favor.
The Prom Romance Personalized Playing Card Cases feature a Prom design with your own custom wording to represent your prom. Each Prom Romance Card Case measures 2 1/2 inches wide x 3 3/4 inches high x 7/8 inch deep and is made of white metal. Hand out to each prom guest for a fun favor.
Please allow ample time for delivery. Our ship date for this product is noted in your shopping cart. Many items are shipped separately, so please allow extra time for these items to arrive. Shipping charges are based on the value of the merchandise and not the number of shipments. For additional shipping information, contact our Customer Service Department at (firstname.lastname@example.com or 1-800-227-2789).
Detailed shipping information
Detailed shipping information


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September 3, Prologue: Edmonton (ITT) 7.3km
Dennis, Ludvigsson complete the podium
Peter Sagan (Cannondale) took control of the Tour of Alberta Tuesday with a blistering performance over the 7.3km prologue time trial course, covering the route in 8:28, 13 seconds faster than runner-up Rohan Dennis (Garmin-Sharp) and 14 seconds better than Argos-Shimano's Tobias Ludvigsson, who held the fastest time for most of the day before the top contenders hit the streets.
"After Colorado I felt very good, and I was also trying to do well here," said Sagan, who won four out of seven stages last month at the USA Pro Challenge in Colorado and also took the prologue time trial at last year's Tour de Suisse in front of Fabian Cancellara. "I knew the first day was important, and I was hoping for the stage victory today. I felt very, very good and really tried to win this prologue."
Dennis also raced in Colorado and said the preparation there and at the Tour of Utah in early August prepared him well for this week in Alberta.
"I'm not surprised by my fitness," the 23-year-old Australian said. "I'm coming up from Utah and Colorado, which are both pretty hard races and both at altitude, so I've been seeing the progression through both of those races, and they've been great preparation leading to the Tour of Alberta and the next two races in Montreal and Quebec and then worlds."
General classification favorites Cadel Evans (BMC) and Ryder Hesjedal (Garmin-Sharp) finished fourth and 10th, respectively. Evans was 20 seconds off the lead pace, and Hesjedal was 30 seconds back. Orica-GreenEdge leader Pieter Weening was seventh on the day, 29 seconds down.
Sagan now has a nice buffer between himself and the rest of the GC hopefuls with five relatively flat stages that offer time bonuses to the winners. Hesjedal indicated that Sagan now has a good head start toward taking the overall, but he'll have a fight on his hands.
"I think it was better to try and put time into him today for anyone who wants to win the race," Hesjedal said. "He's proven himself many times, and if he rides like he can he's very capable of winning this race.
"He's not a traditional GC rider," Hesjedal continued. "But he can definitely win the GC here based on his abilities and the courses. That's if things go by the normal script, but we all know things can change and anything can happen, so that's why we all show up and start the bike race."
How it happened
The course through downtown Edmonton featured 12 tight corners, a swooping descent and a short 1km climb that was timed to determine who would wear the first KOM jersey. Although most of the competitors chose straight time trial machines, several riders opted for road bikes.
Ludvigsson, a 22-year-old who finished 4th on stage 9 of this year's Giro d'Italia, started 14th out of 117 riders and set the best early time with a mark of 8:42. Belkin's Robert Gesink started 11 riders later and climbed to within 16 seconds of Ludvigsson but couldn't overtake the young Swedish rider's time.
Garmin-Sharp's David Zabriske was the next rider to get close to Ludvigsson, but the five-time US time trial champion fell 15 seconds short. And so it continued, with US time trial champion Tom Zirbel (Optum-Kelly Benefit Strategies) coming within 15 seconds, Orica-GreenEdge's Weening finishing 14 seconds in arrears, BMC's Brent Bookwalter closing the gap down to six seconds and Optum's Chad Haga coming within eight seconds of Ludvigsson.
But it wasn't until Dennis, starting an hour and a half later in 94th position, that Ludvigsson's time finally fell. Dennis covered the course in 8:41, eclipsing the previous best mark by a little more than one second.
The Garmin rider was happy with his ride and held out some cautious optimism about the final result.
"I knew there was still Cadel to come and Peter – and Ryder Hesjedal – but I was pretty confident I would get top three. But Peter destroyed me by 13 seconds or something. I didn't expect him to be beat me by that much."
Dennis held the lead for just 13 riders before Sagan crossed the line with a new best mark. With just two riders left on course, Sagan's spot on the podium was assured, but BMC's Evans finished 20 seconds behind the Slovakian road champion and hometown favorite Hesjedal finished 30 seconds down.
The final tally left Sagan in firm control of the race. Now it's up to him and his five teammates to control the race for the rest of the week if he wants to put on the final yellow jersey when the race ends in Calgary on Sunday.
"I feel good and I will try to hold yellow," he said. "But I'm still preparing for Quebec and Montreal. But we will see during the race what I can do with the team day by day."
Peter Sagan (Cannondale) won the prologue of the Tour of Alberta
Photo credit © Jonathan Devich/epicimages.us
Read more on: Cyclingnews.com
3/25/2013 12:00:00 AM TECH NEWS!Review: FSA's stiff, comfortable Energy stem and Compact bar
3/23/2013 12:00:00 AM TECH NEWS!Pro bike: Manuel Fumic's Cannondale Scalpel 29er
3/22/2013 12:00:00 AM TECH NEWS!Gallery: BH-SR Suntour-KMC kicks off season with team camp
1/2/2013 12:00:00 AM TECH NEWS!FSA SL-K Compact Carbon Handlebar
10/26/2012 12:00:00 AM TECH NEWS!Pro bike: Logan Owen's Redline Carbon Conquest Team
5/30/2012 12:00:00 AM TECH NEWS!Understanding the BB386EVO
10/16/2013 12:00:00 AM TEAM NEWS!Movistar claim 2013 WorldTour team title
10/16/2013 12:00:00 AM TEAM NEWS!Tour of Beijing: Intxausti wins overall
10/14/2013 12:00:00 AM TEAM NEWS!Tour of Beijing: Intxausti holds off Daniel Martin
10/9/2013 12:00:00 AM TEAM NEWS!Berden outsprints Johnson to win day 2 in Providence
9/23/2013 12:00:00 AM TEAM NEWS!Tony Longo crowned Marathon Italian champion on the Etna
9/16/2013 12:00:00 AM TEAM NEWS!Peter Sagan wins Grand Prix Cycliste de Montréal
7/28/2014 12:00:00 AM NEWS!Nibali wins the Tour de France
7/25/2014 12:00:00 AM NEWS!Tour de France: Nibali stamps his authority on Hautacam
7/24/2014 12:00:00 AM NEWS!5-hour ENERGY presented by Kenda Racing Team Gets Results at Tour of Qinghai Lake
7/22/2014 12:00:00 AM NEWS!Lisa Rabensteiner and Andrea Righettini new UNDER 23 Italian Cross Country Champions
7/10/2014 12:00:00 AM NEWS!1,2,3,4: FSA on the podium of 5th stage at Tour de France!
7/9/2014 12:00:00 AM NEWS!Second Tour of Austria stage win for Gatto


text:
First Carolina Postal Credit Union
of Goldsboro, NC has
1,928 members and assets of $17 million.
The credit union, opened in 1952, has 8 full time employees and 1 part time employee
, or 241 members per employee, compared to a national average of 455.
First Carolina Postal
First Carolina Postal is classified as a state chartered natural person credit union.
Automation: First Carolina Postal credit union features a website for Internet home banking, has an automated telephone banking system and provides ATM access to your account.
Electronic services include check balances, share draft orders, pay your loan online, see your account history, account transfers and pay bills online.
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Online newspapers and TV stations serving Goldsboro and North Carolina: The News & Observer, USA Today, or view a national listing of newspapers.
Thinking of buying a car? See North Carolina car dealers listed alphabetically by city.


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The new and improved AR-Stoner magazine for the 9mm features a stronger stainless steel body for longer service life than the typical standard aluminum bodied magazine. The enhanced 4-way anti-tilt follower and chrome silicon spring provide reliable feeding even after extended storage and use. Made in the USA to military specifications, the AR-Stoner magazine can be counted on at the range or in the field.
Technical Information
Technical Information
- Caliber: 9mm
- Capacity: 32 rounds
- Body: Stainless Steel
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- Spring: Chrome Silicon
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Delivery Information
Shipping Weight: 0.400 PoundsXThe total weight of the product, including the product's packaging as it sits on our shelf. Since some products ship directly from the Manufacturer, their weight may be unavailable. Because of variations in the manufacturing process, similar products may have differing weights. Unless the product is designated as "Ships Alone", Shipping Weight does not include the shipping box or packing materials associated with your order.
Ships Alone: NoXProduct ships from MidwayUSA, separate from any other products on your order due to its size. Products that are Shipped Alone incur separate "Per Order" and "Per Pound" shipping charges.
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Visit the tobacco plantations of Tetebatu, savour Balinese cuisine, snorkel vibrant reefs and dig your feet into white sand, explore Hindu temples, lay eyes on active volcanoes
Snorkel the warm tropical waters and watch Balinese shadow puppets dance in the night. Marvel at floating palaces and temples. Experience the best of Bali and Lombok on this adventure, offering you the perfect combination of guided excursions and free time to explore these fascinating islands at your own pace. Cool your heels in secluded waterfall pools and relax in the laid-back Gili Islands. Our CEOs will bring you off the beaten path, where you'll meet these islands' locals and gain insight into a completely different way of life.
That's right. Book your airfare when you book your G Adventures trip and we'll slice $100 off the price for you. Simply enter promo code G14PLUSAIR100 when prompted and we'll do the rest.
Offer valid for new bookings only with international air travel originating in North America added to a land booking. Not valid with any other discount, offer or promotion. Subject to availability. Must book by July 31, 2014, for travel by December 31, 2015. Subject to airline regulations and restrictions.
G Adventures' Classic trips provide meaningful small-group travel experiences to curious travellers eager to interact with the world as it truly is.Learn more
Arrive at any time.
Journey via hot springs and Lake Bratan temple to our home for the night and enjoy some delicious Balinese cuisine.
A drive through lush rice fields and up Gunung Batur to Kintamani. Optional village walk, hot springs or volcano hike.
Orientation walk upon arrival to the 'heart of Balinese culture'. Opt to visit Monkey Forest, numerous temples, rice paddies and markets.
Time to relax! Opt to visit the Tirta Gangga temple, take a diving course or visit some secluded beaches along the coast.
Ferry to Lombok and take time to explore the landscape surrounding Rinjani Volcano.
We hit the road and visit the tobacco plantations of Tetebatu.
Head by bus and boat to the stunning Gili Islands. Here, you'll have the chance to swim, snorkel or kick back and relax.
We head back to Bali by speedboat for our final night dinner and farewells.
Depart at any time.
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Aug. 20, 2013
Do you believe intelligent extraterrestrial life exists?
- Yes, and the beings are the source of many UFO sightings.(Your vote)
- 33% 18 votes ▼
- Probably, but I don't believe they have visited Earth.(Your vote)
- 11% 6 votes ▼
- I won't discount the possibility.(Your vote)
- 40% 22 votes ▼
- I strongly doubt it.(Your vote)
- 12% 7 votes ▼
- Absolutely not. Earth is the only place life exists.(Your vote)
- 1% 1 votes ▼
54 votes
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By Keith Kappes - Publisher
Oct. 17, 2012 —
So said the French philosopher, Jean Paul- Sartre.
Also, old Jean Paul could have been referring to a play based on actual historical events like "Bloody Rowan!" which played to sold out audiences this month in Morehead.
The players managed to kill off a dozen folks, burn down a house, shoot up several saloons, have rowdy courtroom trials, visit jail cells in two counties, hijack a train, drink lots of make-believe whiskey, flirt with another man's wife, fire off more ammunition than World War I, and utter more screams than a zombie movie.
Or, in the case of this well-written and well-directed play, words also were loaded rifles and shotguns and an occasional sharp knife.
So, you might be wondering, how do I know so much about this new play which folks raved about and clamored for tickets to see?
Actually, the illumination was done by a spotlight. I just got carried away with that line.
Amid the seemingly endless rehearsals and hours of waiting backstage for my three minutes of nightly fame, I realized that my acting career was not really coming back.
The other 35 cast members, including a gifted balladeer, did a great job and are a credit to community theatre.


text:
By Staff
New Castle News
NEW CASTLE — The pomp. The pageantry. The pairs. The pictures. Yes, it's prom season once again in Lawrence County and the New Castle News is on hand to document all the fun and excitement. We hope you enjoy our photo galleries! Today, Laurel High.


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One of the most common ways to talk about the future is with will, for example: I will call you tonight. We often call this the "future simple tense", but technically there are no future tenses in English. In this construction, the word will is a modal auxiliary verb.
Here are the three main ways that we use will to talk about the future.
No plan
We use will when there is no prior plan or decision to do something before we speak. We make the decision at the time of speaking. Look at these examples:
In these examples, we had no firm plan before speaking. The decision was made at the time of speaking.
We often use will with the verb think:
We often use will to make a prediction about the future. Again, there is no firm plan. We are saying what we think will happen. Here are some examples:
The verb be is an exception with will. Even when we have a very firm plan, and we are not speaking spontaneously, we can use will with be. Look at these examples:
The verb be is always exceptional!
Going to »


text:
Acura Las Vegas area | Findlay AcuraThank you for visiting Findlay Acura in Henderson Nevada. We are an Valley Auto Mall Acura Dealership serving Las Vegas that is DealerRater certified. We proudly serve nearby cities including North Las Vegas, Paradise, Winchester, Sunrise Manor, Hesse Camp, Boulder City, McKeeversville, Winterwood, Hillegas, Summerlin, Spring Valley, Whitney, East Las Vegas, Carver Park, Laughlin, Pahrump, St. George, Kingman, AZ and Victory Village, NV. Our top priority is to assist you in finding a New Acura or certified pre owned used luxury vehicle that you love while providing an extraordinary car shopping experience.
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Check out the Findlay Acura Facebook page or follow us on Twitter to stay on top of our current promotions and chances to win prizes. We encourage you to browse our new and pre owned inventory and find a vehicle that fits your lifestyle. Give us a call at 888-560-2131 to schedule a test drive at a time most convenient for you. If you prefer to save time you can easily apply for auto financing or a leasing before you come to the dealership. Findlay Acura is easy to find and centrally located at 315 Auto Mall Drive Henderson, NV 89014. We look forward to meeting you in person and providing you with impeccable service.
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