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Pharmaceutical Sciences
Department Chair
Dr. Jagdish Singh
Department Location
102 Sudro Hall
Telephone Number
(701) 231-7661
Degree Offered
Application Deadline
March 15 for fall semester and November 15 for spring semester, if positions are available.
Test Requirements
GRE (300 or more)
English Proficiency Requirements
TOEFL ibT 79
Program Description
The Department of Pharmaceutical Sciences offers graduate study leading to the Doctor of Philosophy degree. Advanced work may be selected from pharmaceutics, pharmacokinetics, pharmacology, and medicinal chemistry.
The pharmaceutical sciences curriculum consists of a core of courses involving both basic and pharmaceutical sciences. In addition, students will select courses that will prepare them to be competent scientists in their fields.
Admission Requirements
The Department of Pharmaceutical Sciences graduate program is open to all qualified graduates of recognized universities and colleges. In addition to the Graduate School admission requirements, the applicant must have adequate preparation in pharmacy or a biological or physical science related to pharmaceutical sciences.
Financial Assistance
A limited number of assistantships is available. To be considered for an assistantship, the student must have completed a Graduate School application, be accepted by the department, and submit a formal letter to the department chair requesting an assistantship.
Degree Requirements
The Doctor of Philosophy program requires the completion of 30 semester credits of letter-graded course work with a GPA of 3.0 or better. Out of the 30 credits at least 18 credits must be at 700 level. Candidates defend their dissertations. Candidates for the Ph.D. will be required to take an examination directed at determining competency in the pharmaceutical sciences.
The department requires the following core courses:
PSCI 611 Pharmacodynamics and Applied Therapeutics I
PSCI 670 Pharmacokinetics
PSCI 790 Graduate Seminar
BIOC 701 Comprehensive Biochemistry I
BIOC 702 Comprehensive Biochemistry II
STAT 725 Applied Statistics
Bin Guo, Ph.D.
State University of New York at Buffalo, 1999
Postdoctoral: Burnham Institute, La Jolla, CA. 1999 - 2003
Research interests: Molecular and cell biology of apoptosis; cancer
Yagna Jarajapu, M.Pharm., Ph.D.
University of Strathclyde, 1998
Glasgow Caledonian University, 2002
Postdoctoral: University of Florida, and Wake Forest University 2003-2008
Research Interests: ACE2/Angiotensin-(1-7) and Bone Marrow Progenitor Cells in Diabetes
Benedict Law, Ph.D.
University of Manchester, 2002
Postdoctoral : Massachusetts General Hospital/Harvard Medical School, 2002-2007
Research Interests: Drug delivery, imaging, and nanotechnology
Estelle Leclerc, Ph.D.
University Paris XI, 1994
Postdoctoral: ETH-Zurich (Switzerland): 1994-1998 The Scripps Research Institute (La Jolla, CA): 1998-2003 Junior Group Leader Children's Hospital Zurich (Switzerland): 2004 Research Assistant Professor Florida Atlantic University (FL): 2005-2009
Research Interests: Biopharmaceutics
Sanku Mallik, Ph.D.
Case Western Reserve University, 1992
Postdoctoral: California Institute of Technology, 1993-95
Research Interests: Synthetic medicinal chemistry
Stephen T. O'Rourke, Ph.D.
University of Wisconsin, 1985
Postdoctoral: Mayo Clinic and Foundation, 1985-87
Research Interests: Vascular Pharmacology
Steven Qian, Ph.D.
The University of Iowa, 1999
Postdoctoral: National Institute of Environmental Health Science (NIEHS, NIH) 2000-2004
Research Interests: Roles of lipid-derived and protein-derived free radical metabolites in all kinds of health related problems
R. Craig Schnell, Ph.D.
Purdue University, 1969
Jagdish Singh, Ph.D.
Banaras Hindu University, 1982
Postdoctoral: University of Otago, New Zealand, 1985-88; University of California--San Francisco, 1992-94
Research Interests: Novel Dosage and Drug Delivery Systems, Biopharmaceutics
Kristine Steffen, Pharm.D., Ph.D.
North Dakota State University, 2002
North Dakota State University, 2007
Postdoctoral: Neuropsychiatric Research Institute, 2007-2009
Research Interests: Pharmacokinetics, Bariatric Surgery, Eating Disorder and Obesity Pharmacotherapy
Chengwen Sun, M.D., Ph.D.
Norman Bethune University of Medical Sciences, 1983-1988
Immunology, Norman Bethune University of Medical Sciences, China, 1990-1996
Postdoctoral: Department of Physiology, Medical College of Wisconsin, 1996-2000
Research Interests: Central blood pressure control and hypertension gene therapy
Stefan Vetter, Ph.D.
Swiss Institute of Technology (ETH) Zurich,1998
Postdoctoral: The Scripps Research Institute, La Jolla, 2000-2005
Research Interest: Medicinal Protein Biochemistry
Erxi Wu, Ph.D.
Sheffield University, 1998
Postdoctoral: Dana-Farber Cancer Institute/Harvard Medical School, 1998-2004
Faculty: Children's Hospital Boston/Harvard Medical School, 2005-2008
Research Interests: Cancer therapeutic targets, drug discovery, natural products, blood biomarker for cancer


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Ghost Photos: Real or Fake? Take the Challenge
What better proof of the paranormal than a ghost caught on camera? Many however, are not quite what they seem. If you think you can spot the difference between a genuine ghost photo and a clever fake, test your skills with our collection.
The Top 10 Most Haunted Places in the World
Everyone has heard tales of haunted houses, but how many really live up to their reputation? From war-torn battlefields to abandoned asylums and ancient castles, here is our list of the top 10 most terrifying, haunted locations in the world.
RMS Queen Mary, California, USA
The RMS Queen Mary is one of the most famous cruise ships of all time. Paranormal activity that has been reported throughout the ship include the sounds of knocking, doors slamming and high pitched squeals and drastic temperature changes.
The Whaley House Hauntings, California, USA
Whaley House has been long known to be haunted. In fact, it is commonly referred to as the most haunted house in California, and is only one of two properties recognised by the United States government as being officially haunted.
Goldfield Hotel, Nevada, USA
The Goldfield Hotel has featured on Fox Channel's 'World's Scariest Places' and on Sci-Fi Channel's 'Scariest Places on Earth'. It is Nevada's most haunted building and is one of the top ten most haunted buildings in America.
Flitwick Manor Hotel, Bedfordshire, England
When builders were brought in to do some repairs at Flitwick Manor, a wooden door was discovered which opened into a hidden room. After the room had been opened, staff at the hotel noticed an ominus change in the Manor's atmosphere.
Avebury Lodge, Wiltshire, UK
Avebury Lodge was once the home of Sir John Lubbock, First Baron Avebury, and a Gentleman who kindly invented Bank Holidays and owned much of the Stone circle. A former occupier believed Avebury Lodge to be the most haunted house in England.
Arreton Manor, Isle of Wight, England
Arreton Manor is an early Jacobean Manor steeped in history and dates back to as early as 872. It is said that the manor is haunted by the ghost of Annabel, who is often seen in the grounds, and that her voice can be heard calling out "Mamma, Mamma".
JFK and President Lincoln's Reincaration
The lives of President Kennedy and President Abraham Lincoln had so many parallels that it cannot be dismissed as pure coincidence. To many, these parallels are evidence of history repeating itself and evidence of reincarnation.
Portchester Castle, Portsmouth, England
Portchester Castle is reputed to be haunted by several ghosts, a black monk, and a spectral horseman seen riding through the grounds. There has been evidence of satanic witchcraft rituals found within the graveyard, inside the castle walls.
Highclere Castle, Berkshire, England
Highclere Castle is a country house in Hampshire, England built in the Jacobean style, it is surrounded by a 1,000-acre (400 ha) estate and park. It is also the main filming location for the British television period drama Downton Abbey.
The Garrick's Head Inn, Bath, England
The Garrick's Head pub in Bath has a reputation for being haunted, with numerous firsthand accounts of supernatural happenings. It is haunted by a number of ghosts, most famously a shadowy figure that lurks by the entrance and the Grey Lady.
The Smurl Poltergeist, Pennsylvania, USA
From 1974 to 1987 one of America's most terrifying haunting's took place. It was at the home of Jack and Janet Smurl. Although their house was exorcised three times and investigations conducted by demonologists, the entity refused to leave.
Devil Eyes
I have experienced lots of different types of paranormal activity, from voices, breathing, screaming, touching, pushing, cold sensations and visual appearances. But the One memory that stands out in my mind, is the story I call, 'Devil Eyes'.
Wem Town Hall Ghost Photo, Shropshire, England
On November 19th, 1995, Wem Town Hall burned down to the ground. Tony O'Rahilly was one of the on-lookers who took photos of the scene. One photo showeded what looks like a small, partially transparent girl standing in the doorway.
The Haunted Bureau Ghost Photo
This early 20th Century photo is of a beautiful Queen Anne style bureau, and was taken at the request of a furniture dealer. The photograph was taken by Montague Cooper, a well-known and respected photographer of the day.


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The Melting Pot - Seattle
- Address:
14 Mercer Street
Seattle, WA 98109Neighborhood:
Seattle Center / Lower Queen Anne
- Cuisine:
FonduePrice: $31 to $50
The Melting Pot - Seattle
- Dining Style: Casual Elegant
- Website: http://www.meltingpot.com/seattle/specials
- Phone: 2063781208x
- Hours of Operation:
Monday-Friday: 5:00pm - 10:00pm
Saturday: 4:00pm - 10:30pm
Sunday: 4:00pm - 10:00pm
Bar Hours:
Monday-Friday 4:30pm-11:00pm
Saturday and Sunday 4:00pm- 11:00pm
Happy Hour in the Bar/Lounge:
7 Days a Week 4:30-6:30
Every day Late Night 9:00 - close
Happy Hour in the Bar Only:
Friday 4:30-6:30 & Late Night 9:00 - close
5 Items for $5: Pure Chocolate Fondue, Cheese Fondue, Any Salad, On Tap and Bottled Beer, and Happy Hour Wines.
- Payment Options: AMEX,Discover,MasterCard,Visa
- Cuisine: Fondue
- Dress Code: Casual Dress
- Accepts Walk-Ins: Yes
- Additional Details: Banquet/Private Rooms, Bar Dining, Bar/Lounge, Beer, Fireplace, Full Bar, Gluten-free Menu, Happy Hour, Late Night, Non-Smoking Restaurant, Personal wines welcome, Personal wines welcome (corkage fee applies), Private Room, Wheelchair Access, Wine
- Catering: Bring Home The Flavors Of The Melting Pot!
Our Garlic & Wine Seasoning, House Dressings, Chocolate Bars, Beautifully Hand Dipped Strawberries, & more are available for purchase
- Private Party Facilities: We offer the perfect location to celebrate a special occasion with family or friends, host a luncheon, or hold a business dinner. Our managers are there every step of the way to guarantee the success of your event & to create a memorable & successful experience for you.
We can accommodate personal & professional parties of all sizes:
The Champagne room is a semi-private space & holds up to 36 people.
The Bordeaux room is located upstairs & holds up to 14 people.
Special Occasion Packages:
Whether you're joining us for a romantic evening for 2 or creating memories with family, friends, & colleagues, Celebration Packages & Keepsakes are available & will be set at your table, ready to surprise & delight upon your arrival!
- Private Party Contact: Charles Montgomery 2063781208x
- Entertainment: Happy Hour in the Lounge
Monday - Friday 4:30-6:00 & Every Day Late Night 9:00 - close
$4 off cheese & pure chocolate fondues; $4 off brie plates; $2 off all salads. $5 well drinks & $7 select wine pours. Beer specials.
- Special Events: Ladies Night Thursdays!
Ladies receive happy hour drink prices all night long PLUS enjoy cheese fondue, salad, & chocolate fondue for $20 per person
A word from The Melting Pot - Seattle
Situated in the hub of Queen Anne, the Mercer St. location provides a casually elegant, intimate atmosphere. The relaxing 4 course experience begins with cheese fondue prepared tableside. Fresh salad follows while your entrée pot heats up. You'll simmer a variety of tantalizing meats, seafood, & vegetables. Each morsel is hot, fresh, & flavorful. Entrees are accompanied by an array of dipping sauces to add to the fun. Your choice of chocolate fondue is the grand finale, served with a variety of delicious dippers. Many have stopped by to satisfy that fondue craving after a concert at The Key, an Opera at McCaw Hall, or a family outing at the Seattle Center.Continued
We feature an extensive wine list, fresh trendy cocktails, & specialty martinis.
It's the perfect place to celebrate a birthday, anniversary, overdue date night, family night, or a group gathering!
We feature an extensive wine list, fresh trendy cocktails, & specialty martinis.
It's the perfect place to celebrate a birthday, anniversary, overdue date night, family night, or a group gathering!
Foodspotting photosSee all photos
Awards voted by OpenTable diners
- Diners' Choice WinnerRomantic
- Diners' Choice WinnerSpecial Occasion
The Melting Pot - Seattle - Best Restaurants in Seattle Center / Lower Queen Anne ›
The Melting Pot - Seattle reviews from OpenTable diners
114 reviews since May 26, 2014
- Food4.3Service4.5
- Ambiance4.1Noise LevelModerate
special occasion (95)romantic (82)good for groups (42)fit for foodies (38)notable wine list (16)late-night find (13)neighborhood gem (10)hot spot (9)kid-friendly (8)great for brunch (4)great for lunch (4)vibrant bar scene (1)Show More
- OpenTable Diner Since 2011Dined on 9/21/2014Everything was great outside of we had to wait over 20 minutes after our reservation time.I would recommend this to a friend.
- Service is questionableHeartSeattleVIPDined on 9/19/2014The hosts at the front are snarky and non-responsive. Then, our server seemed uneducated about the entirety of the menu and took extra time to explain our order. For a restaurant that charges the type of money as The Melting Pot - they should make sure their staff are very helpful, friendly, and provide superb service.
- Good for special occationsOpenTable Diner Since 2013Dined on 9/18/2014Its a unique experience basically cooking your own food. If you've been to a Korean BBQ before where you grill your own food, this is the same except with broth. Quality of meat and seafood is nice. Ambiance and service is higher end but you are also paying for it. If you have unlimited budget, this is your place. Those on a budget, the food is costly, on average about $50-$75+ for a person (meal and desert). Add in wine and your are in the $100 range. This is one of those "one in a while" type of restaurant. Basically bringing your friends who hasn't done it before.Special Features:
- Great surprise - I'll be back!FrequentdinerDined on 9/14/2014I have been to the Melting Pot before and felt underwhelmed for the price. I am not sure if they have changed the menu or the options, but it was one of the most fun evenings with my husband and I. The service was great (we had even an old bottle of wine that was corked and she accepted this without concern) We had an amazing variety of food, so much. The lobster was new to me there - and a highlight, as was the wonderful dipping sauces and the Coq au Vin fondue. Exceptional all around - I am glad I ventured out again. We'll be back!Special Features:
- nightout2Dined on 9/14/2014The food was very good. Parking was a bit pricey but that is typical for Seattle. Overall, we had a good experience and our friends seemed to enjoy the meal as well.Special Features:I would recommend this to a friend.
- Timing and veggies.OpenTable Diner Since 2014Dined on 9/11/2014I have been to the melting pot on numerous occasions and this is the first time they didn't ask when we were ready the next course. Like they were rushing us out of there almost. Then the main course came and they dumped all the veggies in the broth instead of letting us do it. That way they were ready before everything else and then they were child. Wtf?Special Features:I would recommend this to a friend.
- Great for romantic occasions!MathliabilityDined on 9/8/2014It was our 6 month anniversary of dating. I've been to the Melting Pot a couple times before and it never fails to amaze. Perfect for single dates or a fancy double date. Great ambiance and the food is wonderful. A little on the expensive side, but you definitely get your money's worth. If you limit the expensive drinks you get, you can easily have an excellent time for under $100.Special Features:I would recommend this to a friend.
- Great experiencexxchuyDined on 9/7/2014Been to Melting Pot in several locations before, but he first time in Seattle. Lived up to standards, per usual. Had a fun date!Special Features:I would recommend this to a friend.
- Still great to visitOpenTable Diner Since 2007Dined on 9/6/2014My wife and I typically go for the Big Night out where we get all of the fondue options plus a salad. It always tastes great and the service is impeccable. But if you go here frequently, or at least once a year like we do, be prepared to notice the changes. For one, it seems the fondue portions keep shrinking, regarding the cheese and chocolate courses. We always seem to have bread and apples left over with no cheese left to dip. In the dessert chocolate fondue, we were accustomed to getting a slice of cheescake to dip but instead, we get a couple brownie bits and more angel food cake. And as I stated before, the chocolate ran dry before we finished the selection.Special Features:I would recommend this to a friend.
- Outstanding!OpenTable Diner Since 2010Dined on 9/6/2014The food was excellent but the key was the exceptional service. Our server patiently and pleasantly explained all the nuances to us and provided us with a most pleasant evening. Would definitely return.Special Features:I would recommend this to a friend.
- RevisitedArbuckleDined on 9/4/2014Last Pot visit was in Dallas. This Seattle location is definitely better than the last. And we loved the search and find spoon, something they did not offer in Dallas.Special Features:I would recommend this to a friend.
- A skewered review!BurgerbeckyVIPDined on 9/4/2014Since you're eating with a skewer, it's a slow, pleasant dining experience unlike anything else in Seattle! I got the "Pacific Rim" assortment of meats and all of the selections were delicious. Caution should be used to allow your food to stay in the pot long enough to cook thoroughly. I used my stopwatch function on my phone to cheat. ;) Dessert was sweet and decadent!Special Features:
- Fun but priceyMjmeatsDined on 9/3/2014We bought a groupon for $55, but ended up spending another $100 or more on wine and dessert. It was fun, but the food is pretty basic for the cost. Our waiter was excellent tho, which made the overall experience worth it. Would we go back? Probably only with a large group.Special Features:
- First and last timeOpenTable Diner Since 2014Dined on 9/3/2014It was the worst dining experience ever. We had reservations at 5:30 and didn't leave until after 8? Over 2 1/2 hours for dinner? Our Waitress was training a new girl and my daughter tried to get the new girl's attention and she just looked at my daughter and kept walking (twice!). I thought that was pretty rude. The service was slow, we waited too long for the food to come out. The bill came to be almost $200, I would've expected better and faster service.
- Fun Dining ExperiencerestaurantreviewsDined on 9/1/2014I love the Melting Pot. It reminds me of the fondue parties my parents had when i was growing up. It's a fun dining experience. Everyone should try it at least once and then they will be hooked.Special Features:
- The Melting Pot--SeattlekillaquadsDined on 8/28/2014I was not impressed with this restaurant. The food portions are very small for the price you pay, so, I would not suggest this spot for hungry diners unless you are willing to spend around 70 dolllars PP, and that's not including any beverages. I get the idea of this restaurant that it is the "experience." Would not do this again.
- First TimerdblgDined on 8/25/2014A visit to The Melting Pot has been on my list for sometime. I finally made it and will return. I thought parking would be a hassle, but we pulled right up to a spot across the street and walked right in for a nice dinner and dessert.Special Features:
- Great Experience!OpenTable Diner Since 2014Dined on 8/23/2014We had a wonderful experience. It was my first time dining at a Melting Pot but my husband has been before. We both enjoyed the quite atmosphere and the food was great! The new Alpine cheese was really good. They gave us plenty of food in the four course that we didn't eat some of it and was offered more. Overall we will dine again at the Melting Pot.Special Features:I would recommend this to a friend.
- Very Impressed!ChristinaDined on 8/23/2014My husband and I had never been to The Melting Pot before and had been given a gift card for the restaurant for our Christmas gift, so we decided to go there to celebrate our first wedding anniversary and were absolutely blown away by the hospitality and service at this location! As soon as we walked in and told them the name we had our reservation under, both the hostess and her trainee wished us a happy anniversary and were even able to seat us early because we showed up 30 minutes before our reservation. Our server, Nicholas, and his trainee, Corey, were both very warm, friendly and helpful, especially when explaining to us newbies how the whole experience worked. The food was delicious, the service incredible. We will be back!Special Features:I would recommend this to a friend.
- OpenTable Diner Since 2014Dined on 8/23/2014Melting Pot is a fun one-time place. Overpriced for the quality of food, but the idea is really fun and they are pros.Special Features:
- GrouponSMALLSDined on 8/22/2014Our server Nicholas (or Nick) was sooo great:) We got 5 star service, even with a Groupon. In the past, I've noticed sometimes the service isn't up to par with these coupons, but not with Nick. He was charismatic, funny and made our dining experience one I really enjoyed. The food was outstanding too. Definitely a good group dining experience or even a romantic one.Special Features:
- Overall ExperienceOpenTable Diner Since 2012Dined on 8/22/2014I love The Melting Pot! I took my date there for the experience that you can't capture many other places. The building appeared to be an old building, the architecture was admirable. The atmosphere was a very romantic setting for me and my date and sharing a variety of good eats is never a bad thing. I will continue to visit The Melting Pot when I am looking for a nice place to share food and drinks with a special someone and most importantly looking for a reason to get dolled up.Special Features:
- Cheese, Beef, (Seafood), ChocolateSeattleDinerDined on 8/22/2014We were seated in the balcony: a dark space with a "warehouse" feel. I would request a seat near the daylight i.e. the front windows. (The high balcony would seem more like a retreat on a dark and rainy night.) The menu overwhelmed us first time diners but our knowledgeable server helped us figure it out. There's more choices than I would've imagined for "fondue". I would return: for either the cheese (first) course alone, (before an event at the Seattle Center) or for the desert course alone. My dinner companion, however, liked the steak fondue and the chocolate fondue (desert) course best.Special Features:I would recommend this to a friend.
- Awesome EveningfunwithfriendsDined on 8/17/2014We had never been to The Melting Pot and it had been a long time since our friends had been there. We had a great time it was alot of fun, the food was great, service was awesome. We will definitely go again.Special Features:I would recommend this to a friend.
- CindybeeDined on 8/16/2014This was my first time at the Melting Pot and I had a great experience. I went with a small group for my birthday. Our server was very friendly and he was very good at giving reccomendations and what entrees went well with the best cooking styles. All in all my party had a great time! The food was good, the ambiance great! I can't wait to go again! One thing I would reccomend to a newbie it, if you do choose the 4 course option like we did, give yourself plenty of time as we were there for 2 and a half hours and rushed at the end because we had a show to catch!Special Features:I would recommend this to a friend.
- Not worth the price you payOpenTable Diner Since 2014Dined on 8/3/2014Service was incredibly slow, my wife spent most of the night with nothing to drink waiting for a refill. The music they play is so loud we could barely hear our waiter. Drunken people at the bar were very annoying. The potatoes they give you are supposed to be partially cooked but ours weren't and never got cooked even though they were in the broth the whole time we were eating our main course. The meats were good but you get very little for what you pay. Cheese and chocolate courses were the best.Special Features:
- Great night out12forlifeDined on 8/1/2014My wife and I were celebrating our fifth wedding anniversary and decided to try something new. Someone had recommended The Melting Pot but I was hesitant when I heard we had to cook our own food. That changed when our server explained everything and the experience was fun and we will definitely return in the future and tell our friends about it. The only down part was the music was really loud. Service was excellent.Special Features:I would recommend this to a friend.
- Fabulous experienceLuv2findnewplacesDined on 7/31/2014Staff were welcoming and did a great job explaining how the fondue experience works. A nice change from the norm and a great way to have time to truly break bread with friends & family.Special Features:I would recommend this to a friend.
- Amazing food and atmosphere.bigfoodieDined on 7/27/2014The food was to die for and the experience was magnificence. I would reccomend this as a great date night dinner for any romantic couple looking for a mini adventure.Special Features:I would recommend this to a friend.
- OpenTable Diner Since 2014Dined on 7/26/2014Very good Appetizer, Spectacular desert. Good, but spectacular entree. Great value if you get the gift card at Costco ($100 for $59.99) and do the three-course dinner.Special Features:
- Great once againPatrickDined on 7/25/2014It seems like every time we go to the Melting Pot we are talking about how great it was for the next couple of days. The service was impeccable as usual. We got there a little too early and they fit us in. Unusual because they are usually completely booked. A nice surprise.Special Features:I would recommend this to a friend.
- Let's Celebrategoodeats18Dined on 7/24/2014Enjoyed a fun evening celebrating my son's accomplishments and enjoying good food. Service was excellent. I'm disappointed that they've taken the WI Trio off their cheese fondue menu as that has always been my families favorite but the updated food selections for the four course meal is terrific. The dessert speaks for itself and I must say, don't be afraid to tell them what you'd like in your chocolate fondue as if they have it, they will accommodate. We went with dark chocolate, caramel and sea salt to which the left the shaker so we could add more. This was perfect.Special Features:
- Wonderful BirthdayplastikkannibalDined on 7/21/2014Took my boyfriend here for his birthday and he was loving it. Our wonderful waiter made sure we were well taken care of and even gave a complimentary dessert with a candle in it to help celebrate.Special Features:I would recommend this to a friend.
- Never disappointsAmythystDined on 7/16/2014I haven't been to the Melting Pot in Seattle for at least five years, bit it is still amazing. Our server was excellent. He seemed to enjoy his job and his recommendations were honest (he told us what he didn't recommend as well as what he did) and correct. Overall, a lovely evening of fantastic company and food. I will definitely return the next time I'm in Seattle.Special Features:I would recommend this to a friend.
- One of my favoritesDragonflyDined on 7/14/2014I have loved the Melting Pot since it opened, and always look forward to a delicious ambiant dining experience.Special Features:I would recommend this to a friend.
- so deliciousOpenTable Diner Since 2014Dined on 7/11/2014It was such great food. The waitstaff was super friendly and helpful. I can't wait to go back again.Special Features:I would recommend this to a friend.
- Lovely EveningfoodieVIPDined on 7/9/2014My friends and I went to The Melting Pot per my last dining experience with a server named Kelsi - she was awesome, so friendly and fun. She completely made the night! I brought 3 girlfriends with me on this trip - we got there and were promptly seated by the hostess. Our server was Duncan, who throughout the entire evening was helpful and patient in explaining how things work with the fondue and made some great recommendations. All in all it was another great time at the Melting Pot and would recommend going there - the shrimp and chicken pot stickers were my favorite.Special Features:
- Absolutely fantasticShrimpMeatFondueLoversDined on 7/5/2014My girlfriend and I were in Melting Pot Seattle last July 5th celebrating our anniversary. I made a reservation almost one month before this date and, since then, I have no complains at all. Our dinner lasted 2 hours, but it seemed like really quick. The food was amazing, no rush to cook in any moments, service was kind all the time and so on. I truly recommend if you want to have a special dinner with your loved one. (:Special Features:I would recommend this to a friend.
- waiter with no patienceAttitudeDined on 7/5/2014My friend and I wanted a new experience and a co-worker suggested "The Melting Pot". I had been there before, over 3years ago. The waiter seemed irritated to have to explain the ordering system to us. He didn't know of any of the specials that we read about online. He also never went to find out if they even had any specials. By the end of the night he got REALLY snotty and made a snide comment when my friend asked for a little more chocolate to finish her dessert. He said "we are one of those restaurants that charge you for more food". My friend got so embarrassed that she left the restaurant!!!Special Features:
- The Melting PotOpenTable Diner Since 2009VIPDined on 7/5/2014No free or validated parking. Overpriced for what you get. I loved the cheese course, but the meat course was way too complicated and too fussy.


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Top 10 sports stories of 2013
Jan 3, 2014 | 2 Comments
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Re your top sports story of 2013, Linfield baseball team wins NCAA Div. III national championship. Story says coach Scott Brosius is a native of McMinnville. His bio on the Linfield Athletics website says he is a native of Milwaukie, OR.
• Amity man reported missing (7370)
• Pro and Con on Measure 88 — Alternative driver's license for undocumented immigrants (2654)
• County's economic development efforts questioned (2587)
• Highway 99W through Dundee has reopened (2057)
• Leaping ability (2055)
• Heavy rain on the way as fall's arrival brings first storm (1942)
• Inmate recaptured after brief flight (1936)
• Sheriff's union endorses Casey (1832)
• Amity runs past Sheridan (1751)
• Sheriff's union endorses Casey (20)
• Pro and Con on Measure 88 — Alternative driver's license for undocumented immigrants (11)
• Pain summit to address opioid abuse (6)
• County's economic development efforts questioned (5)
• Pro and Con on Measure 91 - Legalizing recreational marijuana (3)
• Not guilty plea in Oregon work-release homicide (3)
• Girl videos pair of assaults (3)
• Bypass work full-bore (2)
• Who will be our next filbert expert? (1)


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Did We Mention Brighton Is Growing? Like a Weed!
by Katie Ingold on 4.10.2012 in Company News, Public Relations 0
To assist with our growing client needs within our creative department, Brighton welcomes Kris Ahlemeyer and Lisa Wentzel, who will focus on our agriculture business.
Meet Kris Ahlemeyer!
What is your current role at Brighton? Production Manager
What does this role entail? As a production manager I oversee trafficking, scheduling, purchasing, and vendor negotiations while supervising creative and print production.
Can you share a "fun fact" about yourself? I live for my weekly American Idol parties—good food, great friends, a couple of adult beverages… (Vote for Philip Phillips!) So as not to be interpreted as a total loser, I should mention that I also volunteer at St Louis Children's Hospital. I love my kids!
Where do you currently reside? I live in South County and have two adult children, one grandson and one on the way.
Meet Lisa Wentzel!
What is your current role at Brighton? Project Coordinator
What does this role entail? Whatever is needed to get a job done! I'm a jack of all trades.
Do you have any hobbies? I love to shop at antique malls and dabble in jewelry-making. I love to collect old postcards, mostly seasonal ones, because the artwork and detail of the designs are amazing. I have some that were mailed in the early 1900s and still have the stamps on them.
Where do you currently reside? I live in South County with my husband and two sons, Eric and Matt, both in college at UMSL. My stepson, daughter-in-law and two adorable grandsons live in Virginia. And, after years of having a multitude of pets ranging from fish, birds, lizards, gerbils and dogs, we are currently pet-less!
Be the first to leave a comment!


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The AJL Podcast brings you the best talks on Jewish literature and the Jewish library world, with respected experts and popular authors. Please check back periodically, as new lectures will be added to the series.
You can subscribe to the AJL Podcast via iTunes or by entering http://feeds.feedburner.com/ajlpodcast into your favorite feed reader. You can also receive new posts via email. Or listen to the latest episode by phone at (651) 925-2538.
Use the links on the left to select a category of interest or to use our index.
The winner of the 2013 Sydney Taylor Book Award in the Teen Readers Category was Intentions by Deborah Heiligman. Hear her award acceptance speech from the 2013 Association of Jewish Libraries Conference in Houston, Texas.
The winner of the 2013 Sydney Taylor Book Award in the Older Readers Category was His Name Was Raoul Wallenberg by Louise Borden. Hear her award acceptance speech from the 2013 Association of Jewish Libraries Conference in Houston, Texas.
The winner of the 2013 Sydney Taylor Book Award in the Younger Readers Category was Hannah's Way by Linda Glaser, illustrated by Adam Gustavson. Hear their award acceptance speeches from the 2013 Association of Jewish Libraries Conference in Houston, Texas.
In this session, Jackie Ben-Efraim shares resources to help you prepare an emergency plan for your library and fill out a one page document to share with fellow staff members so that they have a plan of action beforehand.
Presented by Jackie Ben-Efraim at the 2013 AJL Conference in Houston, TX.
The staff at Sinai Temple Library in Los Angeles has developed an online catalog with many new features that are fun to use. Library director Lisa Silverman shares what they have learned about how libraries can offer tools to patrons such as e-books, Kindle books, databases and lists of "newest" or "most popular" titles that can be accessed directly from the catalog page within the Alexandria software program. Those who use other online systems will be able to adapt their catalogs to include all these features.
Presented by Lisa Silverman at the 2013 AJL Conference in Houston, TX.
Author Linda Glaser enjoys demystifying the writing process almost as much as she enjoys writing. She talks about her first drafts, revisions, rejections, and behind-the-scenes secrets along with some things you may be surprised to know about creating a book.
Presented by Linda Glaser at the 2013 AJL Conference in Houston, TX.
Join EBSCO's Tim Heiges for an informative discussion on how EBSCO can help you maximize teh value and accessiblity of your library collection with EBSCO Discovery Service (EDS).
Presented by Tim Heiges at the 2013 AJL Conference in Houston, TX.
Ephemera have a storied and stormy history in archives and special collections: they live in a space between printed, non-unique material and unique materials, and pose preservation challenges for librarians and archivists. yet ephemera are among the most interesting materials in libraries and archives. As researchers start to utilize ephemera, catalogers must address the need for using ephemera. This presentation demonstrates challenges facing catalogers of ephemera in all types of institutions, including Judaic collections, and offers some possible solutions. While few standards are offered to catalogers, methods exist to allow users access to collections.
Presented by Dina Herbert at the 2013 AJL Conference in Houston, TX.
Learn how to build and develop a film collection for your library as well as the ins and outs of hosting film screenings and film-related programs and events. Find out about new Jewish interest and Israeli feature films and documentaries and tips for keeping up with the latest releases. Copyright law and licensing will also be discussed.
Presented by Rachel Kamin and Lisa Silverman at the 2013 AJL Conference in Houston, TX.
The Posen Library is collecting more than 3,000 years of Jewish cultural artifacts, texts, and paintings, selected by more than 120 internationally recognized scholars. One volume, covering the contemporary period, was published in 2012. This presentation discusses the philosophies, choices, and overviews of the forthcoming volumes. Attention is given to how librarians and teachers might make use of both the paper editions and the planned digital site.
Presented by Joyce Rappaport at the 2013 AJL Conference in Houston, TX.
Jennie Maas Flexner (1882-1944) was the first readers' advisory librarian at the New York Public Library from 1928-1944. She was a champion for immigrants to the city, an advocate for adult education, and author of books revealing a strong service philosophy to library patrons. As a pioneer in readers' advisory services, her patron-centered philosophy is inspiring and relevant, serving as a model to librarians today.
Presented by Douglas Campbell at the 2013 AJL Conference in Houston, TX.
Debra Winegarten discusses her experiences leading workshops and giving presentations on the subject of "Being Jewish in Texas" over the past year. She shares stories she's gathered from other people's experiences, both Jewish and non-Jewish, and talks about how these experiences can be used to educate others on the importance of recognizing and honoring diversity among all people.
Presented by Debra Winegarten at the 2013 AJL Conference in Houston, TX.
Since its origins as the Museum of the Southern Jewish Experience, the Goldring/Woldenberg Institute of Southern Jewish Life (ISJL) has been a leader in the documentation and interpretation of Jewish history in the American South. Josh Parshall, ISJL oral historian, will discuss the history and mission of the organization, including the Online Encyclopedia of Southern Jewish Communities - a unique resource for learning about Jewish history in the region - and his own work conducting oral history research in Southern communities. the session will include video excerpts from the ISJL collection and tips for conducting and archiving your own oral history interviews.
Presented by Josh Parshall at the 2013 AJL Conference in Houston, TX.
Starting with Rosh Hashanah and looking at stories, poems and activities to use with the youngest library users, we share ideas for good books and follow-up activities that can be used in the library or classroom through the year. Library lessons introduce young children to the library, the concept of borrowing and returning, book care, parts of a book, and good listening skills. Preschool skills such as color and shape recognition, identifying sounds, counting and alphabet will also be integrated int o the storytimes.
Presented by Susan Dubin at the 2013 AJL Conference in Houston, TX.
Connect with the 2013 winners: Linda Glaser, Adam Gustavson, Louise Borden adn Deborah Heiligman, as they provide in-depth discussion of their books and methods.
Presented by the authors at the 2013 AJL Conference in Houston, TX.
Join us as we reveal the criteria used to evaluate books submitted to the Sydney Taylor Book Award committee. The positive merits of the winners, honors and notables will be discussed and we will divulge the exceptional qualities that made them worthy of distinction. Not only will you get insight into the work of the committee, but you can use the same criteria to evaluation books in your own collection. Practical tips to use STBA winners for programs will be shared and we will also point out books that did not measure up tot he standards of the STBA committee, but may be appropriate for individual library collections.
Presented by Aimee Lurie, Chair, and the Sydney Taylor Book Award committee members at the 2013 AJL Conference in Houston, TX
Only through knowledge and understanding can another Holocaust be prevented. Dr. Babaknia's four volume work on the Holocaust in Farsi is a 2013 AJL Judaica Reference Award Honorable Mention winner.
Presented by Dr. Ardashir Babaknia at the 2013 AJL Conference in Houston, TX.
The "Kitab-i Qissah'namah-i Hizaro Yik Shab" is a Judeo-Persian book published in 1915 in Kokand, Uzbekistan. Princeton University Library recently acquired volume two. Yaari has no record of it, and it seems not to be represented in any other library. The book is a translation or transliteration of stories from the "Thousand and One Nights," a cultural artifact which is not indigenous to Persian, Jewish or Uzbek culture. This paper considers the conditions that made this most unlikely book possible.
Presented by James Weinberger at the 2013 AJL Conference in Houston, TX.
Two related sessions in one podcast recording:
Strategic Planning for AJL: Process, Methods, Timeline and Members' Participation
the world of libraries is experiencing rapid changes in technology, modes of access, costs of delivery and professional training. The world of Judaica Librarianship is also affected by the ways in which Jewish institutions change, redefine themselves, allocate resources, and reach out to constituents. The AJL has been in a state of flux over the last few years, reflecting these realities, and in order to survive and thrive, we have embarked on a strategic planning process. The process entails a review of AJL's vision, mission and all its operations, and aims to create an effective plan of action that will ensure the survival and promote the growth of the association. This presentation describes the process that begain in January 2013, what was accomplished up until June 2013, and plans for the next six months.
Presented by Dr. Yaffa Weisman at the 2013 AJL Conference in Houston, TX.
What AJL Can Learn from Other Professional Organizations
These are challenging times for Judaica librarians and for AJL, but we're not alone. How are other professional library organizations dealing with the sluggish economy,membership drop-off, conferences and other issues? This panel discussion features AJL members who are active in other library organizations who will share their insights.
Presented by David Hirsch, Elliot H. Gertel and Sharon Benamou at the 2013 AJL Conference in Houston, TX.
While most "law" books in Hebrew characters are either Jewish, or in recent years, Israeli law, there are some odd exceptions. These are books written in a Jewish language, probably Hebrew but perhaps Yiddish, on the non-Jews' legal system. Some reflect an author trying to inform the Jews of the non-Jews' laws that might recently have become applicable to them, or to discuss their impact in a language that was more familiar and perhaps allowed more freedom than writing in a language that could easily be read by the non-Jewish population. While these books may be important for studying legal history, they are largely inaccessible to mainstream legal scholars due to being in Hevbrew script, and the context would bwe hard to appreciate by Judaica scholars lacking legal training, though their very existence is perhaps an interesting source for studying how Jews related to the non-Jewish environment.
Presented by Aaron Kuperman at the 2013 AJL Conference in Houston, TX.


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We (educators) have made lots of progress in education over the last few years, but know one really knows about the work we have done. Yes, much of it has been blood, sweat, and tears. We have many good teachers in our profession and they were not born with the talent of being good. They did it through tears, sweating, going the extra mile, reading, learning, praying, late evenings, Sunday afternoons. It did not just happen. We gave our life and soul for the kids we serve, but all we can say we have made progress. But who is really paying attention.
President Obama nor Mitt Romney. Neither one of these great men are talking about education.
People in our professional are not making the really big decisions about what matters in education! We keep talking about what really matters, but our voices only seem to get heard by the choir. The public talks about what they know about education and what they think matters, their voice is heard. Our politicians hear their voices.
We have done a better job in articulating What Really Matters! But we have to do it better so that our parents, our community leaders, the business leaders, and our politicians hear us. We have to engage them in that conversation! We have to find a way to listent to them and them listen to us!
I can go further and make a list of the many things that matters in education, but I want to focus on one BIG thing that has the potential to change our culture of learning, our culture of public education!
Common Core State Standards (CCSS)
CCSS goes to the heart of preparing my sons and daughters to be College and Career Ready (CCR)! The standards tells us what they must be able to do in order to be CCR. We need our students to be
- communicators,
- collaborators,
- able to work together in teams,
- be independent learners,
- build strong content knowledge,
- respond to the varying demands of audience, task, purpose, and discipline,
- comprehend ideas as well as critique them,
- to value evidence, use technology and digital media strategically and capably, and
- and come to understand other perspectives and cultures.
And this REALLY MATTERS!
From Kindergarten through the 12th grade the CCSS calls for students to have these experiences in our classrooms each year starting in K. And this REALLY MATTERS!
The anchor standards describe a portrait of students who are able to read, speak, write, listen, and use language well to do these task. "They are able to exhibit with increasing fullness and regularity these capacities of the literate individual."(from the ELA CCSS) And this REALLY MATTERS!
"Students who meet the Standards readily undertake the close, attentive reading that is at the heart of understanding and enjoying complex works of literature. They habitually perform the critical reading necessary to pick carefully through the staggering amount of information available today in print and digitally. They actively seek the wide, deep, and thoughtful engagement with high-quality literary and informational text that builds knowledge, enlarges experience, and broadens worldviews. They reflexively demonstrate the cogent reasoning and use of evidence that is essential to both private deliberation and responsible citizenship in a democratic republic. In short, students who meet the Standards develop the skills in reading, writing, speaking, and listening that are the foundation for any creative and purposeful expression in language." (from the ELA CCSS) And this REALLY MATTERS!
I want this for my own two children! Students need to see that learning involves struggling and not always coming up with the correct answer. Many times there is no correct answer. CCSS calls for every student attending our schools to be taught like this! And this REALLY MATTERS!
This is the opportunity for us to change the culture of learning in this nation! But here is my fear! Smarter Balanced and PARCC Assessments. Once as a school system we understand the assessment, will we revert back to what happened the last ten years in education with testing and data collection? Will the test change the intention of the writers of the CCSS? What will the public say? How will the politicians react! Folks this REALLY MATTERS!
We have to start now finding ways to have this conversation about What Really Matters with our communities! We need to find as many ways we can ask it and start forums! This may be our last effort to reform public education as we know it! As we all know there is a force- a political force- working agains what we believe to be true the need for public education in this country!
And this REALLY MATTERS! We MUST be more COMPELLING!


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Welcome to Arnouts Insurance Agency
Arnouts Insurance Agency is the leading insurance agency in Okemos and Lansing. We are a locally owned, independent insurance firm founded in 1999. Since then, we have grown into one of the most trusted and respected insurance agencies in the State of Michigan. Based in Okemos, Arnouts Insurance Agency is proud to serve the diverse insurance needs of individuals, families and businesses all for both the Upper and Lower Peninsulas of Michigan.
The insurance experts at Arnouts Insurance Agency take the time to effectively evaluate your unique insurance needs so that your most important assets are protected at the most cost-effective rates. We provide comprehensive risk-management solutions that cover a wide range of risks, giving you the peace of mind you need and deserve. We offer all the expertise, professionalism and caring you expect from a well established, community-centered insurance agency. We can provide expert insurance solutions for your home, auto, life, and health. We are also now offering flood insurance options for Mid Michigan homeowners.
Give us a call today! Have one of the insurance experts at Arnouts Insurance Agency help you learn your coverage options today and see how easy we make it for you to switch!
If you need to report an after-hours EMERGENCY CLAIM, please contact the company directly using the phone number below. Please use these phone numbers only for after-hours EMERGENCY CLAIMS. Thank you!
Emergency Claims Phone Numbers:
Auto Owners 888-252-4626
Citizens 800-628-0250
Hastings Mutual 800-442-8277
Progressive 800-274-4499
Accident Fund 866-206-5851
Allied Insurance 866-322-3214
FirstComp 888-500-3344
The Hartford 800-327-3636


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$2 billion in great art: Luscious paintings such as Wayne Thiebauds Island River Farms (Acquavella, booth C4), Ai Weiweis intricate wood-and-metal sculpture (Neugerriemschneider, C15), and a selection of exquisite Calder sculptures from the Beyeler Foundation (C1) and Hammer Galleries (D2) are among the many works (total value just under $2 billion) that make this years Art Basel Miami Beach a standout. At the Miami Beach Convention Center.
Automotive art: Torque that zips from 0 to 60 mph in 2.5 seconds, seats spacious enough for a ball gown and handling so facile you can steer with one hand are enough to qualify a Bugatti as art. French artist Bernar Venet has taken it a step further with a one-of-a-kind design that incorporates formulas used in the cars unique engineering on the hood and embroidered into leather in the interior door panels. Oh, and its for sale, too. If you have to ask how much See it at the Rubell Family Collection, 95 NW 29th St.
Lam: Wifredo Lams Afro-Cuban sensibilities have so enthralled collectors that finding more than a handful in a single fair is unusual. At the Leon Tovar booth (C7) in Art Miami, you can see almost a dozen in one place, with still more at the Cernuda booth (A30).
Architecture for dogs : Dont call them dog houses. The structures divined by a dozen renowned architects engaged by Japanese designer Kenya Hara are anything but. Bring your own canine friend to play in them from 3 to 5 p.m., Saturday and Sunday, 180 NE 39th St.
Railroaded: Artist Chul Hyun Ahns Railroad Nostalgia reflects both viewers and times past. The only thing missing is the light at the end of the tunnel. Art Miami, C. Grimaldis Gallery (B9).
Crystal palace: From the outside, the 20-foot high house designed by British architect Asif Khan and studded with 1.4 million Swarovski crystals is mesmerizing. Stand inside, and youll be completely wowed. Design Miami/, across from the Miami Beach Convention Center.
What a girl wants : Designer Ted Noten really does know. His clever 7 Necessities items, made of hard plastic, includes a Dior edition pistol with lip gloss in the silencer and diamonds in the bullet pendant. The medieval chastity belt has a wave video inside and is opened with a key only the wearer can access. Clever. Ornamentum booth at Design Miami.
Destination District: Bypass the glossy shops and head straight for the art; special exhibits and the de la Cruz Collection are open Saturday night as well as Saturday during the day and Sunday. Worthy stops include Mestizo City, an installation exploring style and sensibility along the Tex-Mex border (40th Street near Miami Avenue); Luis Pons Deflation of the Inflatable Villa, referencing Miamis real estate bust-and-boom; and STOREFRONT, an exhibition of Miami artists arranged by the de la Cruz Collection and District developer Craig Robins (180 NE 39th Street, Suite 120).
Gator in the Bay : If you havent yet seen the 100-foot, 40-ton gator floating in Biscayne Bay, youll get a chance this weekend, when it will be swimming between the Julia Tuttle and Venetian causeways or stationed at the Miami Yacht Club, 1000 MacArthur Cswy. It is designed to promote Everglades restoration.
Art miniature: Look into Kenji Sugiyamas Institute of Intimate Museums on their eye-level pedestals, and the view is of long hallways going on and on, filled with gallery-goers and art works. But step to the side and you see these little dioramas are set up vertically in the stands, with a single mirror creating the amazing illusion. At Standing Pine-cube (D07) SCOPE art fair, 110 NE 36th St., Midtown Miami.
Art bar: Art Week sometimes seems to be about parties, but it isnt. It really is about the art. And so is the Absolut art bar designed by Los Carpinteros, part of the Art Public sculptures installed between the Bass Museum and the sand at 21st Street and Collins Avenue. The structure is splendid. And if you do drink, well, avoid the spicy chili cocktail. Caliente.
Anne Tschida, Anna Edgerton, Galena Mosovich and Jane Wooldridge contributed to this report.


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The Miami International Ballet Festival has been going on for a little on now. Tonight the Balletto Teatro di Torino from Italy will perform at the Broward Center in Fort Lauderdale. I might go, if i don't find anything more appealing to do tonight. If so I will report back.
XVI Miami international Ballet FestBallet Teatro di Torino-(Italy). 09/16
Started by cubanmiamiboy , Sep 16 2011 12:59 PM
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MADISON, WI (WTAQ) - Wisconsin motorists will again face a high risk of colliding with deer this fall.
Car-deer crashes are a problem throughout the year -- but it gets worse in October and November during the deer mating season.
Almost 19,000 vehicles struck deer in the Badger State last year. Dane County had the most with 851 crashes, followed by Shawano County with 800 and Waukesha with 710.
Deer were involved in more than half of all traffic crashes last year in Taylor, Green Lake, and Shawano counties.
The DOT's David Pabst says drivers must slow down whenever they see deer close to the roadways.
If a driver cannot avoid striking a deer, Pabst says it's safer to hit the brakes and hit the animal, instead of swerving to miss it -- thus avoid a rollover crash or striking something else.


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42 U.S. Code § 2653 - Limitation or repeal of other provisions for recovery of hospital and medical care costs
Source(Pub. L. 87–693, § 3,Sept. 25, 1962, 76 Stat. 594.)
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
|Description of Change
|Session Year
|Public Law
|Statutes at Large
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


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If you would like to see what our Facebook fans recommend then take a look at their picks here
A visit to Lake Wanaka wouldn't be complete without getting out and going for at least one short walk - but why stop there. With over 750km of tracks in the area you will be spoilt for choice. The easiest option however is to start in town and head around the lake in either direction for as long as you want. Read more
Organise a lovely picnic of fresh local produce, grab a homemade gelato ice cream or fish and chips and then head to your favourite lakefront spot to relax and watch the world go by. If you like go for swim, hire a kayak or water toy and have some fun but be sure to get wet.
Unique and quirky, weird and wonderful, Wanaka has some great attractions to have some fun in. Puzzling World is a must for all ages but Transport & Toy Museum, Warbirds and Wheels, BaseCamp Wanaka and Have a Shot are also worth a visit. Read more
Nowhere does winter like Wanaka and with the largest skiable terrain in New Zealand it is THE place to be and for apres ski, Wanaka has been voted as one of the top 25 ski towns in the world . Read more
For the more adventurous try some of our great day walks. Rob Roy Glacier, Roys Peak and Diamond Lake to the top of Rocky Mountain are some of the favourites. But for something different try the Fern Burn Track and the Blue Pools Link Track are also great day walks in the area. Read more
The Lake Wanaka region is two wheel heaven with a mix of single tracks in Sticky Forest, wide tracks for the whole family and some really challenging terrain for the really adventures. Don't forget to check out Deans Bank and Lismore Street jump park. Hire a bike here or bring you own wheels. Read more
Lake Wanaka is all about water, so make sure you get into it and enjoy it. Hire a kayak, paddle board or water toy for some fun or take a jetboat up a river or a lake cruise out to an island. Fish, cruise, paddle or just splash. Read more
A small classic movie theatre located in Wanaka. Lonely Planet travel guide lists this Wanaka cinema as a Must Do. The homemade cookies and ice cream at the old fashioned intermission are a must as well! Read more
A World Heritage Area, Mt Aspiring National Park is New Zealand's third largest with a mixture of high mountains, glaciers and beautiful river valleys. It is a walker's paradise and a must for mountaineers. Easily accessible from Wanaka there is everything from a 5 minute walk to overnight adventure in backcountry hut. Read more
If you're coming to Lake Wanaka then why not come when we have a special event on. From the athletic to the inspirational we have an event to suit everyone. Music, drama, art, sports, craft, warbirds... read more
Tess's picks:
Geoff's Picks:
James's Picks:


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26 U.S. Code § 935 - Repealed.
Section, added Pub. L. 92–606, § 1(a),Oct. 31, 1972, 86 Stat. 1494; amended Pub. L. 108–357, title VIII, § 908(c)(4),Oct. 22, 2004, 118 Stat. 1656, related to coordination of United States and Guam individual income taxes.
Amendment Subsequent to Repeal
Pub. L. 108–357, title IX, § 908(c)(4), (d),Oct. 22, 2004, 118 Stat. 1656, 1657, applicable to taxable years ending after Oct. 22, 2004, amended section, as in effect before the effective date of its repeal, in introductory provisions of subsec. (a), by substituting "who, during the entire taxable year" for "for the taxable year who", in subsecs. (a)(1) and (b)(1)(B), by inserting "bona fide" before "resident", in subsec. (b)(1)(A), by inserting "(other a bona fide resident of Guam during the entire taxable year)" after "United States", and, in subsection (b)(2), by striking out "residence and" before "citizenship".
Effective Date of Repeal
Repeal applicable to taxable years beginning after Dec. 31, 1986, with certain exceptions and qualifications, see section 1277 ofPub. L. 99–514, set out as an Effective Date of 1986 Amendment note under section 931 of this title.
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
|Description of Change
|Session Year
|Public Law
|Statutes at Large
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


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05 Aug
Huey Lewis and The News to play the Sun Valley Pavilion August 17
Huey Lewis and The News will perform at the Sun Valley Pavilion Wednesday, August 17, 2011 to kick-off the 35th Annual Danny Thompson Memorial Golf Tournament and Auction Gala. Tickets on sale May 18.
Huey Lewis and The News have sold over 20 million albums worldwide with pop hits such as "Heart of Rock & Roll," "Stuck With You," and "If This Is It" to name a few.
Concert tickets on sale May 18 at the Sun Valley Recreation Center Box Office: (208) 622-2135 or online at: seats.sunvalley.com
For more information about the Danny Thompson Memorial Golf Tournament and Auction Gala please call (208) 726-1049 or go to: www.dannythompsonmemorial.com
Tags: Danny Thompson Memorial Leukemia Fund, Huey Lewis and The News, Sun Valley Pavilion


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Alternative Apparel 3/4 Sleeve Raglan Henley
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Comments about Alternative Apparel 3/4 Sleeve Raglan Henley:
This shirt is very good with anything
especially with Levi 501. Since I'm a model, it really brings out my chest
which was a plus for me going on a date
Love the comfort, soft.
Comments about Alternative Apparel 3/4 Sleeve Raglan Henley:
Sick button up shirt! I was amazed by the fitting around the chest and arms!
I was looking great the night I put this on with my Ed hardy jeans and timberland boots! I know the girl in the white was looking at me! Amazing must copp ASAP!


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It has been a big week for Microsoft, with the introduction of its Windows Surface tablets on Monday, and now a sneak peek at Windows Phone 8. While the Surface tablets look great, Windows Phone 8 is something very exciting indeed.
Taking a similar approach to Apple and Google, Microsoft looked at a number of key aspects of the next version of Windows Phone, to help us understand what changes it will bring.
New Homescreen, New Look
Windows Phone's look is changing. The two columns of Live Tiles will become four, but each Tile can be resized to your liking, meaning you can have one massive tile all across the screen, two mid-size ones, four little ones or a mixture of your choice.
This gives the user the chance to completely customise the look, based on which apps and services they use the most. Microsoft has released a brilliant video showing the changes in detail, and its flexibility should win it a lot of new fans. If you like the old look you can have it, but if you want a mass of information on screen at the same time, you can have that too.
New Hardware
Microsoft's outdated hardware restrictions have been lifted and new Windows Phone 8 devices will have dual-core processors, higher definition screens, NFC and the chance to add more memory with a microSD card.
The new screen resolutions include the standard 480 x 800, plus 1280 x 768 and 1280 x 720, both of which qualify as 720p, and vary only in screen ratio. This should make those ever-changing Live Tiles look fantastic.
New Software Means New Apps
Windows Phone 8 has a lot in common with the desktop iteration of Windows 8, and apps which work on one platform will be a breeze to convert over to the other, so we can expect the Windows Marketplace to grow at an even faster rate as the year comes to a close.
Internet Explorer 10 will make its mobile debut with Windows Phone 8, and it'll come with improved Javascript and HTML5 performance, as well as SmartScreen, which blocks malicious websites.
NFC and Mobile Payments
Windows Phone 8 will have a new NFC Hub, where credit cards and store cards can be kept in a new Wallet app, ready to make real-life purchases (eventually), and interestingly, virtual ones inside the Marketplace too. Microsoft's Wallet app even supports a new in-app purchase system.
NFC will make it easy to share files too, with a tap between compatible devices being all that's needed.
Skype and Multitasking
Microsoft has integrated Skype into Windows Phone 8, making incoming calls through the VoIP service look just like regular calls, plus both it and location services now run in the background.
Nokia Maps will replace Bing Maps, which is great news for non-Nokia Windows Phone users, plus the virtual assistant has been improved and opened up to developers, allowing them to build voice control into their apps. Finally, Microsoft has pledged to continue supporting Windows Phone 8 hardware with updates for at least 18 months.
Even after this brief look, Windows Phone 8 appears to be a big step forward over the previous version, and the hardware changes are positive too, allowing phones to at least keep pace with the competition. Sadly, Microsoft still hasn't provided an exact release date, so we're working on a rumoured autumnal launch. It really can't come soon enough.


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Tiger Cub John Griffin's High Upside Potential Picks
Meena is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
We can screen stocks for "upside potential" through the PEG ratio, which takes into account both a stock's price-to-earnings multiple and analyst expectations for future growth (we emphasize that this is only a measure of upside potential because analyst forecasts aren't always correct). Since we at Insider Monkey track 13F filings from hundreds of hedge funds as part of our work researching investment strategies, we can also look through individual managers' filings for ideas with high upside potential, which investors may want to research further. Here are five picks from Tiger Cub John Griffin's Blue Ridge Capital's 13F for the first quarter of 2013 that feature five-year PEG ratios less than 1 (or see the full list of the fund's stock picks).
Two large finance & insurance companies
Blue Ridge trimmed its stake in American International Group (NYSE: AIG) by 17% in Q1, but still closed March with 8.7 million shares in its portfolio. AIG lost its place as the most popular stock among hedge funds to Apple between January and March, but remained in the top three (check out the full top ten list). The insurer has outperformed the market over the last year but is still valued at a significant discount to book with a P/B ratio of 0.7, and given analyst expectations for the next several years its PEG ratio is just below 1.
According to the 13F, Blue Ridge initiated a position of 4.7 million shares in Citigroup (NYSE: C) in the first quarter of this year. Citi reported a 30% increase in net income in the first quarter of 2013 versus a year earlier, and while we'd certainly expect growth rates to cool over time, analyst expectations suggest that future earnings will be high enough to leave the stock undervalued. In addition, we'd note that, as with AIG, Citigroup's P/B ratio (of 0.8) suggests that the current market price represents a discount to book value.
More high upside potential picks from Griffin's portfolio
Griffin and his team kept their holdings of Liberty Global (NASDAQ: LBTYA) about constant through the quarter at 3.9 million shares. The TV, Internet, and phone company (which mostly operates in Europe and Chile) is expensive in terms of its trailing earnings (as well as its trailing EBITDA, if we consider its enterprise value as well) but the sell-side is optimistic about the future. Revenue rose by 9% in its last quarterly report compared to the first quarter of 2012. The most recent data shows that 14% of the float is held short.
Owens Corning (NYSE: OC) was another of the fund's high upside potential picks, as the filing disclosed ownership of 7.2 million shares. As a producer of glass fiber and building materials, it is one way to play further improvements in the U.S. housing market (the stock's beta of 2.0 shows the company's sensitivity to the broader economy). Bullish expectations from Wall Street analysts, who are generally positive on housing at this time, have the stock trading at only 12 times forward earnings estimates, with a PEG ratio well below 1, though revenue numbers have been flat recently.
Griffin was buying Wyndham Worldwide (NYSE: WYN) during the first quarter as well. Hotel stocks (though we would note that Wyndham includes a vacation ownership business as well) are generally priced at fairly high trailing earnings multiples in the current market, and Wyndham is no exception with a P/E of 21 on that basis. While analysts are optimistic about its future as well, earnings were down in its most recent quarter compared to the same period in the previous year, and even though revenue was rising we would still be cautious as a result.
We would avoid Liberty Global as well as Wyndham, and in the case of Owens Corning we don't find the valuation that attractive unless the housing market is in fact strong enough for the company to hit its targets- and there might be better options to play that macro thesis. Citigroup and AIG are certainly cheap in book terms, and the mega-bank offers strong performance numbers in recent reports; we'd be interested in learning more about these companies as potential value options and comparing them to their peers.
Many investors are terrified about investing in big banking stocks after the crash, but the sector has one notable stand-out. In a sea of mismanaged and dangerous peers, it rises above as "The Only Big Bank Built to Last." You can uncover the top pick that Warren Buffett loves in The Motley Fool's new report. It's free, so click here to access it now.
This article is written by Matt Doiron and edited by Meena Krishnamsetty. Meena has a long position in Citigroup. The Motley Fool recommends American International Group. The Motley Fool owns shares of American International Group and Citigroup Inc and has the following options: Long Jan 2014 $25 Calls on American International Group. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


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Return to Australia Housing Information Page
Sancta Sophia College is located within the grounds of the University of Sydney. It was originally founded as a residential college for Catholic women but it now provides houses up to 150 students including undergraduate women and graduate men from a broad range of religious, social and ethnic backgrounds. Academic excellence is prized at Sancta Sophia but they also encourage students to explore and participate in a variety of outside interests and extra-curricular activities, for example, sport, music, choir, drama, film and debating. All students living at Sancta Sophia College will be assigned a shared room and a mandatory full meal plan.
A supplemental fee exists for this housing option; please see program fee notes for more information.
UTS residences offer modern accommodation located in close proximity to the Haymarket campus, Sydney's transport hub and a variety of shopping precincts. Studio and shared apartments are available. Studio apartments are self-contained and include bedroom, bathroom and kitchen facilities. In shared apartments each resident has their own bedroom and share common areas such as living, kitchen and bathroom facilities with other residents in the apartment (2-5 people). The Student Residences have UTS security staff available 24 hours for emergencies.
These are fully furnished, self contained apartments/homes usually with 2-4 bedrooms. They are located in close proximity to the University of Sydney. Students will share a bedroom, and will share the apartment with other international students. They will be responsible for their own cooking, cleaning and laundry.


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News In Brief
Public trail requested
The county council planning and development committee began their review of the Birch Bay Community Plan March 23 and will continue to consider the plan at their next meeting April 6. The committee could present their recommendations to full council that evening, but amendments proposed to the staff recommendation so far would likely trigger another public hearing, which could be as soon as April 20.
In other Birch Bay news, Birch Bay steering committee Mike Ross has asked county hearing examiner Michael Bobbink to require the developers of Bay Crest to add a public trail to the development. The proposed trail would connect Bay Horizon Park and the back of the state park. Bobbink held a public hearing on Bay Crest North, the second phase of the Bay Crest Development, March 30.
management, kid-style
Blaine middle school is hosting a workshop designed to help parents teach their kids how to manage their money. The free workshop for parents of grade five through eight students is titled "Talking to Your Kids About Personal Finance and Decision Making." The goal is to provide parents with activities they can do with their kids to help create a solid foundation of positive decision making in their lives. Refreshments will be served and each parent that attends will receive a free family activity guide created by the National Council on Economics Education. WWU, Bank of America, and the Blaine school district are sponsoring the event.
The workshop will be held in the middle school library from 7-9 p.m. April 20. For more information, interested parents can contact Melanie Helt at the middle school at 332-0406. Sign-ups should be submitted by April 13, as there is only room for 30 people.
to sail
The newest additions to the Blaine and Birch Bay seafaring communities are meeting to start planning summer fun on the water and learn the skills to enjoy it safely. The Sea Scout program teaches young people 14 to 19 years old basic seamanship skills, from knots to navigation, and how to handle and maintain a vessel. Scouts will put their skills to use this summer on a variety of sailing trips, from day cruises in Semiahmoo bay to a flotilla trip up the Inside Passage to Alaska. Meetings are the first and third Tuesday of each month at Grace Lutheran Church on G Street in Blaine, starting at 7 p.m.
30,000 people need your help
The Whatcom Literacy Council will be hosting a volunteer tutor orientation for those interested in helping an adult learn to read and write or use English as a second language. Tutors must be at least 18 years old and have graduated from high school. No previous teaching or foreign language skills are needed. Training is provided and tutoring is done in your own community at convenient hours.
At the orientation on Wednesday, April 7 at 5:30 - 6:30 p.m. Whatcom Community College, Kelly Hall, Room 109 interested volunteer tutors can learn more about becoming a volunteer tutor. Many people are patiently waiting for your help.
It is estimated that one in five adults in the United States is functionally illiterate. This means that 30,000 adults in Whatcom County may need literacy services. The Whatcom Literacy Council is a non-profit organization.
For more information call 647-3264 or visit www.whatcomliteracy.org.
Up sale and auction
Blaine high school's Close-up organization is hosting its 14th annual family garage sale and silent auction on Saturday April 24 from 9 a.m. – 4 p.m. at the Blaine middle school gym. Silent auction items are from merchants all through the county. The bids for silent auction items will end at 3 p.m. The proceeds from the sale will help sponsor high school juniors attending a weeklong study of the federal government in Washington, D.C. Anyone wishing to donate items for the garage sale or silent auction should contact David Fakkema at the high school at 332-6045.


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Juanita MORE! / Performer
Juanita's musical taste is timeless and her viewpoint in choosing her musical numbers to lip-sync to belongs to her alone. She possesses a marvelous and rare appreciation for the classic jazz and big band tunes of the 30's, 40's, 50's and 60's. She loves the great ladies of song and she has an enormous respect for them. Onstage she is a powerhouse and has the ability to leave the audience stunned and moved.


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National Child Traumatic Stress Initiative Community Treatment and Services (CTS) Centers―26 grant awards totaling $30.9 million over the next 3 years will be provided through the CTS Centers, which is one of the three types of centers under the National Child Traumatic Stress Initiative. The overall goal of the initiative is to help communities meet the special needs of children at risk or suffering from traumatic stress.
The grants enable community treatment and service organizations to provide expanded evidence-based prevention, screening, and treatment services for children who may be more susceptible to mental health problems because they have been exposed to natural disasters, abuse, neglect, or other traumatic events.
Grantees are expected to implement and evaluate effective treatment and services in community settings and youth-serving service systems, and collaborate with other Centers in the National Child Traumatic Stress Network (NCTSN) on clinical issues, service approaches, policy, financing, and training issues. Grantees will collaborate extensively within the NCTSN for these purposes and for developing child traumatic stress-related products and services for nationwide consumption and benefit.
Per-year awards for each of the 26 community programs are up to approximately $400,000 over the next 3 years. The actual award amounts may vary, depending on the availability of funds and the progress achieved by the awardees. SAMHSA's Center for Mental Health Services will administer the grants. [SM-09-017]
Offender Reentry Program―24 grant awards totaling
more than $28.7 million for up to 3 years to provide substance abuse treatment and related recovery support services to juvenile and adult offenders returning to the community from incarceration.
Organizations receiving funding under the Offender Reentry Program are expected to plan, develop, and provide a successful transition from incarceration to community-based substance abuse treatment and recovery support services for people in need, beginning in the correctional or juvenile facilities and before release.
The grants awarded under the Offender Reentry Program are projected to be funded up to $400,000 per year for 3 years. The actual award amounts are subject to the availability of funding as well as the progress achieved by the grantees. The grants will be administered by SAMHSA's Center for Substance Abuse Treatment. [TI-09-005]
State and Tribal Youth Suicide Prevention Grants―Up to $26.2 million total for 18 grant awards of up to $500,000 per year per grantee for up to 3 years to assist state and tribal efforts to develop and enhance services to prevent suicide among young people.
The grants will help fund crucial suicide prevention efforts especially geared for youth including early intervention and assessment services, referrals to mental health care and treatment, and information and outreach campaigns. The grants also will help promote training for communities on the latest youth suicide prevention services and approaches, as well as provide support to families of youth who may be at risk for suicide.
Continuation awards will depend on the availability of funds and grantee progress in meeting project goals and objectives. SAMHSA's Center for Mental Health Services will administer the grants. [SM-09-003]
Primary and Behavioral Health Care Integration Programs―13 grant awards of $500,000 per grantee annually for up to 4 years for Primary and Behavioral Health Care Integration Programs to address the needs of people with serious mental illnesses (SMI).
These programs are aimed at improving the physical health of people with SMI by supporting communities to coordinate and integrate primary care services into publicly funded community mental health and other community-based behavioral health settings. By building the necessary partnerships and infrastructure to support this goal, the expected outcome is for grantees to enter into partnerships to develop or expand their offering of primary health care services for people with SMI, resulting in improved health status.
Total amount of funding over the next 4 years to community programs across the country is $25.9 million. The actual award amounts to grantees are subject to the availability of funding as well as the progress achieved by the grantees. SAMHSA's Center for Mental Health Services administers these grants. [SM-09-011]
State and Community Partnership Grants for Healthy Transitions Initiative for Youth with Serious Mental Health Conditions―7 grant awards, each for up to $480,000 per year, totaling almost $16.8 million over 5 years to states for integrated home and community-based services and supports for youth and young adults with serious mental health challenges and their families. The Healthy Transitions Initiative will develop or build upon existing systems to provide these youth and their families with educational, employment, mental health, and other services designed to enhance their well-being and ensure their successful transition to adulthood and independence.
Continuation of these awards is subject to both availability of funds and progress achieved by the awardees. SAMHSA's Center for Mental Health Services will administer this grant program. [SM-09-008]
Expansion of Substance Abuse Treatment in Targeted Areas of Need―up to $15.3 million over 3 years to 13 grantees to expand substance abuse treatment capacity systems in communities that can most benefit from these types of integrated comprehensive services.
These grants will foster the development and utilization of local recovery-oriented systems of care to address gaps in treatment capacity by supporting person-centered and self-directed approaches for substance abuse (including alcohol and drug) treatment and recovery services in communities with serious drug problems.
The annual award per grantee amount is up to $400,000 for fiscal year 2009. Continuation award amounts may vary, depending on the availability of funds and performance of the grantee. SAMHSA's Center for Substance Abuse Treatment will administer the grants. [TI-09-001]
A set of guidelines for use of effective medications, such as naltrexone.
Substance abuse treatment programs: Here's a way to integrate evidence-based practices into their services.
Three new educational brochures for patients on medication-assisted treatment for opioid addiction are available.
To help support survivors of suicide loss, a new guide for funeral directors.
Nearly 8.3 million adults had serious thoughts of suicide in the past year.
Millions of dollars in SAMHSA funding is heading to state and community programs.
Boost your chances of crafting a winning grant proposal by following an expert's advice.
New ways to engage partners and the public in improving health through an ongoing dialogue.
Public health practice aligns with evidence-based communications to help establish "a common language."
20th anniversary events across the country marked this year's celebrations, which included a march across the Brooklyn Bridge.
SAMHSA's Dr. Westley Clark, Director of the Center for Substance Abuse Treatment, joined other VIPs to celebrate.
Among 12- to 17-year-olds, a significant decline was reported in past-month illicit drug use.
Fetal Alcohol Spectrum Disorders Awareness Day emphasized the message, "If you're pregnant, don't drink alcohol."
An annual average of 2.6 million Hispanics age 12 or older needed alcohol use treatment in the past year.
A recent report examines the 335 identified facilities serving the American Indian and Alaska Native population in 2007.
New data focus on the need for treatment for substance use and depression among adults age 18 or older by race/ethnicity.
Of the 28.8 million adults who received mental health treatment in the past year, about 5.5 percent also received support from a self-help group.
Categories for this year's awards to 27 organizations included substance abuse prevention, treatment and recovery support services, and more.
Trauma awareness through art was the topic of a recent presentation as part of SAMHSA's Consumer Affairs Seminar Series.
Sign up for SAMHSA email updates on topics of your choice, including SAMHSA News.
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Bank of America's multibillion-dollar blunder
Former CEO Ken Lewis' decision to buy Countrywide in 2008 has been bleeding the nation's largest bank -- and its investors -- ever since.
By Philip van Doorn, TheStreet
Reports that New York Attorney General Eric Schneiderman may challenge the recent $8.5 billion settlement by Bank of America (BAC) for bad mortgage securities inherited from Countrywide Financial underscore what a disaster the 2008 acquisition has been for the nation's largest bank.
Under the reign of its acquisitive former CEO Ken Lewis, Bank of America completed its acquisition of Countrywide in July 2008 in an exchange of shares valued at $4.2 billion, although the real cost of the deal at that time included the cancellation of $2 billion Countrywide preferred shares, purchased by Bank of America in August 2007.
When the acquisition was completed, Countrywide's mortgages were written down to fair value by $9.8 billion, and its mortgage servicing rights were written down by $1.5 billion. But those write-downs didn't address the bleeding that Bank of America would suffer from a seemingly endless array of mortgage repurchase demands from investors.
After announcing a $2.8 billion settlement of mortgage representation and warranty claims on securitized Countrywide mortgages by government-sponsored enterprises Fannie Mae (FNMA) and Freddie Mac (FMCC) in December, Bank of America in June announced its $8.5 billion deal to settle institutional investors' mortgage putback claims on Countrywide's private-label paper.
So what has Ken Lewis' decision to hang the Countrywide albatross around Bank of America's neck really cost the company?
"Back of the envelope, it is probably close to $25 billion," FBR Capital Markets analyst Paul Miller says, adding that "we don't know the expenses associated" with the servicing of the Countrywide mortgages.
Miller adds that most of the estimates are rough, "between $25 and $30 billion," and that "it's probably going to grow."
As of March 31, Bank of America reported that the outstanding balance of remaining securitized Countrywide loans was $281 billion, with $85 billion past due six months or longer. Based on those numbers, the $8.5 billion settlement of "all" remaining Countrywide repurchase claims, was a rather small number, even with an "an additional $5.5 billion" set aside for additional repurchase claims in the second quarter. The company also estimated another $400 million for servicing obligations under the settlement.
When announcing the Countrywide private-label settlement in June, Bank of America estimated that additional private-label mortgage put-back expenses could range up to $5 billion, but didn't spell out whether that figure might include additional Countrywide exposure.
Regarding potential exposure to GSE put-back claims, the company believed any remaining exposure would be "accounted for in the recorded liability for representations and warranties for these loans at quarter end," but addressed the additional political risk tied to the GSEs by saying it was not "currently able to reasonably estimate the possible loss or range of loss with respect to any such potential impact in excess of current reserves on future GSE provisions if the GSE behaviors change from past experience."
Finally, Bank of America said putback costs could be "materially impacted if actual results are different from our assumptions regarding economic conditions, home prices and other matters, including counterparty behavior and estimated repurchase rates."
Considering the company's track record of underestimating its mortgage repurchase expenses all through the credit crisis, that last statement sums up investor fears. The New York AG's actions and Congress's dithering on the future of the GSEs illustrate the ongoing political risk faced by Bank of America as it tries to move past its Countrywide debacle.
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Where were the Board of Directors when Ken Lewis was buying junk companies like Countrywide? Oh, yeah,....more than half were politically or militarily connected appointments made by Lewis to gain access to the right people, but were virtually useless to the banks financial health and welfare. It's called fiduciary duty in case anyone cares.
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Fed keeps important 'considerable time' language in reference to short-term interest rates, but dissents and dots leave doubts.
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Crews Repair Water Main Breaks In Nashville
NASHVILLE, Tenn. – Crews have been called out to fix multiple water main breaks across Nashville on Wednesday morning.
Crews were working to repair a break at Murfreesboro Pike and Lester Avenue around 8:30 a.m. Water had turned to ice along the sidewalk and on the side of the roadway due to the sub-freezing temperatures.
A wreck happened around 6 a.m. Wednesday on Thompson Lane near Nolensville Pike, where another water main break had earlier been repaired. Water runoff froze across the road after being salted.
It was unclear if anyone was injured in the crash.
Police had blocked off the area while they worked the crash.
Metro Police said the exit ramp from I-440E onto Nolensville Pike had thick slush/ice mix, and asked for a Public Works salt truck and plow.
- Latest


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Jake Gyllenhaal, Jennifer Lawrence tie for No. 1 on soft weekend
Story | Sep 23, 2012 | 9:16 AM
Jake Gyllenhaal, Jennifer Lawrence tie for No. 1 on soft weekend
Story | Sep 23, 2012 | 9:16 AM
'King's Speech' Tops Golden Globe Nominations
Story | Dec 14, 2010 | 9:26 AM
'Love and Other Drugs' premiere: Anne Hathaway did her research on Parkinson's [video]
Story | Nov 5, 2010 | 4:32 PM
Anne Hathaway is a serious actress. So don't you dare ask her about her workout regimen. That was the lesson one reporter from a celebrity weekly learned the hard way Thursday night at the Hollywood premiere of Ed Zwick's new...
Weekend Movies: 'Love and Other Drugs,' 'Tangled,' 'Burlesque'
Story | Nov 24, 2010 | 4:34 PM
Thanksgiving weekend means, for many of us, a long one -- all the better to see new movies. Here's what's stuffing theaters starting today. "Love and Other Drugs": Gyllenhaal. Hathaway. Nudity. Romance. How can this movie possibly go wrong? We'll be first...