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How to Short the Student Loan Bubble
Jordan is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
Houston, we have a problem.
After years of more and more aid, more loans, and fewer jobs, the student loan bubble looks ready to pop. The Federal Reserve Bank of New York released a report that indicated that 35% of people under 30 who have student loans are at least 90 days late. Despite all the talk of an economic recovery, more people under 30 are now late on their payments than in 2008.
How you can short student loans
Student loans cannot be discharged in bankruptcy, and they stick with the student for life. A system of laws ensures that every dime is paid back in full. The government even allows lenders to garnish wages to ensure payments are made on time.
Unlike in the housing bubble, there's no clear short when it comes to the loans themselves. Banks aren't the ones feeling the pinch from defaults and delinquencies.
The best way to short the student loan bubble is to short the most questionable recipients of Federal student aid and loans: for-profit universities. Lawmakers in Washington, D.C. are already investigating the economics of for-profit colleges and coming to the conclusion that the value they provide to the United States is significantly less than the amount of money Uncle Sam sends to for-profit schools. For-profit colleges leave their graduates with fewer jobs and higher debt levels.
Some potential shorts include companies that receive all or most of their revenues from federal aid. These publicly traded for-profit colleges are:
DeVry (NYSE: DV)
DeVry takes in 75% of its total revenues from Title IV funding, which includes federal grants and loans. State grants made up 2% of revenues, while private loans made up 1% in 2011, the last year data was available. Students supplied the remaining 22% of their education expenses.
The company operates online and offline universities with enrollment of more than 80,000 students. At 12 times earnings, and 10 times forward earnings, the stock's cheap so long as federal aid keeps coming in. If the gravy train stops, though, the company doesn't have much of a balance sheet to fall back on. Its reliance on offline programs makes it a higher-cost institution than others.
Apollo Group (NASDAQ: APOL)
The owner of the University of Phoenix, this company is by far the largest for-profit college operator in the United States. In 2012, some 84% of its revenues came from federal aid programs, which was down slightly from 86% in 2011 and 88% in 2010.
Most concerning is the level of defaults among graduates. The company's graduates had a 17.9% default rate on their loans as of 2010. The company trades at only 6.1 times forward earnings because it suffers from 13% year over year declines in enrollment. The University of Phoenix has lost its valuable goodwill that enables it to bring in more and more profitable students.
ITT Educational Services (NYSE: ESI)
Students who attend this well-known for-profit university obtain 80% of their tuition assistance from the federal government, most of which comes from the Stafford loan program. The company trades at a single-digit earnings multiple as it is already undertaking steps to cut enrollment to stay within the 90/10 rule for tuition assistance and Federal aid limits.
This stock will be least responsive to the threat of cuts to federal aid because investors are already pricing it for big changes in enrollment. ITT Educational Services makes a bet on Apollo and DeVry look that much more attractive.
With the government budget being a primary focus in Washington D.C. and family dinner tables, the title IV funding to for-profit universities will be a talking point for some time to come. While the regulatory environment is anything but predictable, the number of graduates coming out of for-profit universities with record debt loads and no possibility for employment solidifies my belief that a combination of regulatory action and changing perceptions of for-profit colleges will eventually end the industry.
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Home › Sports & Teamwear › Performance & Fitness › Spiro › Spiro La Femme Team Spirit Polo
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EMBROIDERYSetup: FREE Existing logos: FREE New logos: £25 set up charge No minimum quantity for embroidery. £1.95 application per position per item. * £1.95 is based on 10,000 stitch count. Fees may vary for larger stitch counts.
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- Back To School
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To automatically re-order this item before you run out, select the recurring order option during checkout.
D'Addario Phopshor Bronze mandolin strings are acclaimed worldwide for their great, long-lasting tone. Phosphor Bronze was introduced to string making by D'Addario in 1974 and has become synonymous with warm acoustic tone. D'Addario mandolin strings are the choice of professionals such as David Grisman, Ricky Skaggs, Ronnie McCoury, Rhonda Vincent, Mike Marshall and more.
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Comments about D'Addario J74 Medium Phos Bronze Mandolin Strings (11-40):
....strings in the world!!!!


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- ADED Home
- Overview of ADED
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All coursework is conducted online using asynchronous technology. Students will be able to communicate with professors and learn needed material at their convenience without the hassles of trying to find a parking space or making it to class on time.
More information about online learning can be found at www.wku.edu/online.
Courses generally are accessed using Blackboard, WKU's online course delivery system.


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State Electrical License
Journeyman Electrician
Person demonstrating knowledge competent to supervise the installation of associated electrical systems.
Electrical Exam Dates, Exams begin at 7:45 am
If you did not receive your card or have a question about your certificate/license renewal, contact: Revenue Collection at 704-336-3801.
If you have questions about the examination process, eligibility or the scope of the certificate/license, contact: Gerald Harvell (704) 786-5000 or (704) 301-8656 (cell) or Terry Cromer (336) 854-8354 or cell (336) 382-1928 or Joe Weathers at (704) 336-5379
Download an application for Journeyman Exams. Please print the application and bring it by NCAEC's office or mail it with your check made payable to NCAEC Mail to: NCAEC 3707 Alliance Dr. Greensboro, NC 27407
CONTACT:• For general permit information, please call 704-336-3830• For general electrical code questions, please call CTAC 704-432-4668• For Code Interpretations, please call Joe Weathers, Electrical Code Administrator, 704-336-5379


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Rihanna was the picture of elegance and class – no, really – as she toured Coco Chanel's Paris apartment in one of the legendary designer's white suits on Tuesday (June 4). The "Pour It Up" singer kept it cute, leaving her denim thong and micro-bikinis at the hotel, while she took happy snaps and reenacted some of the fashion icon's famous poses.
RiRi even took some time to review her own Rihanna For River Island designs in the same space that Coco dreamed up chic outfits and glamorous gowns. No doubt, Breezy's ex was seeking inspiration and guidance. Does this mean we can look forward to a new, demure look?
Later that day, the Instagram addict hit the local stores for some retail therapy.
Click through pics of Rihanna's Parisien adventure above.
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Tribesmen on the loose! A bunch of clueless Viking raiders have stranded on a group of tropical islands - much to the annoyance of the local Natives. Help the tribesmen settle their disputes in this fast paced realtime strategy game.
Sep 7th, 2011 0 people agree 0 people don't
Very fun and entertaining!


text: Home- Offices and Services- Counseling Center Counseling Center The center, located in Conant House, focuses on helping students to ameliorate problems that might be obstacles to their growth and development. Quicklinks: Make a First Appointment | Contact Us | Emergencies | Services | Policies | Confidentiality | Staff Transitioning to College Transitioning to college can be exciting and stressful for both first year students and their parents. Starting college is an opportunity for students to grow and further develop their identities as individuals. In addition to the layers of campus support available for students, Transition Year is a fantastic resource for students and their parents. Dealing with first semester issues? Are you feeling homesick? Having difficulty with your transition back to Colgate? Drop in for Comfort Zone, a group that helps students manage this change. Starting on September 4th, Comfort Zone will meet Thursdays from 4:15-5:15 p.m. at the Counseling Center. Concerned About a Friend? Report an incident or concern if you are concerned about a student. It is important to share that information so we can seek to provide assistance. Offices and Services Accounting and Control Campus Safety Commencement Communications Office Counseling Center Contact Us Services Policies Resources Issues Familiar to College Students Dean of the College Document Services Environmental Health and Safety Equity and Diversity Facilities (B&G) Finance and Administration Grants Information Health Sciences Advising Health Services Information Technology Institutional Planning and Research International Student Services Libraries Mail Services Provost/Dean of Faculty Purchasing Registrar Treasurer's Office Working at Colgate RELATED LINKS


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Teen Staff in the Spotlight
Published on Tuesday, April 16, 2013 - 10:20am
The graphic novels he excels at may be full of mystery, adventure and no small dose of suspense -- as is Mr. Brandon, the man himself! I was fortunate enough to snag a few top-secret words with him ... which I then leaked to this website. Shhh, don't tell!
So, Mr. Brandon -- is that your undercover alias, or am I not allowed to know?
No comment.
How long have you been an agent of Operation Teen Space?
For six months, but my previous posting -- let's just say the details are still classified.
What's something great about this library that not enough people know about?
The databases we make available to the public.
If the last copy ever of your favorite graphic novel fell into the gnarly hands of your most merciless archnemesis, what would you do?
Check to see if there's a digital copy on Overdrive, and if not, well, things could get ugly.
What ultimate deep agent advice do you have for making the most of Martin Luther King Jr. Memorial Library?
Take advantage of all the great resources available.
Make sure to check back next time for more miraculous behind-the-scenes info about our Children's and Teen staff. Who knows what surprises are right around the corner!


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For the first time in five years, the Springfield Police Department held a gun buyback event on Saturday.
It did not take long to realize the event was a success.
"We did not know it was going to be this overwhelming response," said Sgt. John Delaney, as he addressed the Western Mass residents gathered inside police headquarters.
The department was so busy, they ran out of their $50 gift cards within the first two hours. So, the police went back to their sponsors.
"I made phone calls this morning," said Delaney. "When I told them we were running out of gift cards, they bankrolled the rest of it. So every gun that comes in here, they are going to get a Convenient Visa Card that is worth $50 for every gun they turn in, guaranteed."
In all, the department collected 333 guns in seven hours. That means more than $16,000 was handed out. Event sponsors were pleased to see the public show up and hope the event will make an impact down the line.
"I am a pediatric surgeon, so we take care of a number of children that have accidental injuries," said Dr. Kevin Moriarty, an event sponsor and trauma surgeon at Baystate Medical Center. "So, it is injury prevention number one, and number two, it is crime prevention."
Into the afternoon, dozens constantly packed into the police department lobby, wanting sell back their guns and gain some peace of mind.
"A safer place for it is probably here at the police station rather than my mother's house or unattended in her attic," said David Gamblin, an Agawam resident.
The turnout was surprising to organizers. The department last held a buyback five years ago and took in a total of 70 guns.
This time around, they surpassed that number in the first hour.
"It is telling me that there are a lot of guns out there," said Delaney. "[The guns] are kept in basements, closets and when somebody breaks into a house, they are looking for money and guns."
The event was privately funded.
The sponsors for the buyback were Convenient Cards, The Springfield Business Improvement District, Baystate Medical Center trauma unit doctors and the Sheraton in downtown Springfield.
Copyright 2013 WSHM (Meredith Corporation). All rights reserved.


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Klivans, Elinor.
Adult Nonfiction TX693 .K65 2006
Summary: With succulent fillings under their golden toppings, it's no wonder that potpies have such a universal appeal. Author Elinor Klivans offers a huge range of filling options from vegetables and eggs to meats, chicken, or fish. And the variety of toppings is a real eye-opener: homemade crusts; story-bought phyllo or puff pastry; tortillas; quick-mixing corn bread or biscuits; even nuts, potatoes, or bread. These 50 recipes go from classics like beef and vegetable potpie or everyone's favorite chicken pot pie, to new takes like the Breakfast Special Potpie: Eggs, bacon, and potatoes with an Irish soda bread crust is a great new option for brunch. Also included are plenty of meatless versions, such as the sublime Spinach, Ricotta, and Parmesan Potpie topped with a delicious cream cheese crust. Advice about assembling and baking potpies assures that all parts of the fillings will be cooked just right and toppings will stand at crispy and proud attention. With useful ideas for do-ahead preparation, storing, freezing, and re-heating, there's nothing like Potpies .
Be the first to add a comment! Share your thoughts about this title. Would you recommend it? Why or why not?
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text:
OverviewThe PAL® carry bag is the perfect accessory for your PAL radio.
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If you are 18-35 and want to meet other young adults HLAA has the place for you. HearingLossNation is an HLAA social networking site developed by Patrick Holkins for HLAA when he was an intern with HLAA. Patrick was a student at Harvard University at the time and realized the need for young adults to meet and share stories and get good information about hearing loss.
Visit www.hearinglossnation.org and join a growing group of dynamic young people sharing ideas on living and working well with hearing loss.


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Montgomery police are investigating after an attempted murder-suicide at James Avenue in the Capitol Heights neighborhood.
Authorities tell WSFA 12 News that they responded to a 911 call around 5:30am Tuesday.
When officers arrived on the scene, they found a woman who had sustained a gunshot wound. She was transported to an area hospital with life-threatening injuries.
At 4:00pm, investigators confirmed that the unidentified woman's condition was upgraded to "stable" and her injuries are no longer considered life-threatening
Inside the residence, the police found a male who died from a gunshot wound.
No further details are available at this time.
Copyright 2012 WSFA 12 News. All rights reserved.
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Tottenham 09/04/2004 20:00
Everton virtually assured Premiership safety for another season by cruising to a 3-1 victory over Tottenham Hotspur at Goodison Park, a win that lifts them to 12th in the table.
The Blues began brightly and twice during the opening minutes, the intelligence of Steve Watson provided openings for Tomasz Radzinski.
The first effort was wide and the second was saved by Casey Keller.
The chances served notice of Everton's intent and the Blues' approach play was slick and purposeful with Spurs having little answer.
Indeed, Nigel Martyn's first meaningful save was a safe gather from a deflected shot by Robbie Keane after a quarter of an hour.
The first-half floodgates were prized open on 17 minutes when Unsworth repeated his feat of 12 years ago on his Blues debut - volleying a goal past Tottenham Hotspur!
Seven minutes later it was 2-0.
Everton were awarded a free-kick 20-yards from goal on 24 minutes and as Goodison waited for Thomas Gravesen to fire the ball goalwards, Gary Naysmith stepped forward and curled a super shot over the wall and into the net.
It was a fitting way for the Scot to celebrate his 100th start in an Everton shirt.
The Blues were rampant and it was all one-way traffic, drawing fond comparisons with the 4-1 FA Cup Semi-Final win exactly nine years ago to the day.
The lively James McFadden pulled a low drive off target and then forced Keller to save with another effort from distance and Kevin Kilbane headed over from a Gravesen corner but the third goal wasn't long coming.
Four minutes before the break Everton once again won a free-kick in a position identical to that of Naysmith's goal and the same two players stood menacingly over the ball.
This time it was Gravesen who rifled the ball through the wall and when Keller found it too hot to handle, Joseph Yobo pounced for his second goal in six days.
David Pleat introduced Freddie Kanoute for the second period but it couldn't quell the Blue tide with McFadden and Radzinski again stretching the over-worked Spurs rearguard with entertaining regularity.
The crowd were lapping it up and the chants of 'Thierry Henry' were as much to taunt the travelling Spurs fans as the Liverpool supporters watching on television!
The second period was an altogether more scrappy affair with neither goalkeeper really tested until the visitors set nerves fluttering slightly with 15 minutes to go when Stephen Carr ran onto a through pass from Rohan Rickets to slide home a rare goal.
The Irishman's joy was cut dramatically short 30 seconds
later when he felled McFadden and was sent-off for a second yellow
McFadden was replaced shortly after by Francis Jeffers and fully deserved the standing ovation he was afforded as he trotted off the field.
A Gravesen error allowed Michael Brown a run on goal in the 85th minute and it needed a good save from Martyn to keep out the well-struck shot.
At the other end, Keller was similarly well-placed to smother a low shot by Kilbane, who had been teed up by Jeffers and with the last action of the evening Robbie Keane curled a free-kick just past the Everton post.


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GREEN BAY, WI (WTAQ) - Green Bay police are investigating an armed robbery overnight.
Around 1:30 a.m. Wednesday a pizza delivery guy was robbed in the 900 block of South Greenwood Avenue.
The suspects are described as 4 black males, 2 of which were armed with a gun. All 4 were last seen running east from the area.
A K-9 track was done, but unable to come up with anything.
The pizza delivery driver was not hurt.


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"Six Days" with Krista Vernoff...
Original Airdate: 1-11-07
The first thing I wanna say is, my three least favorite words in television are "To Be Continued." Truly. I hate it and I'm so sorry to have done it to you. It was not my intention. I wrote this episode as one hour. But we shot it and it came in at 61 minutes and we only get 43 minutes per hour and so we were faced with the choice of either cutting 18 minutes – which really would have just destroyed the episode – or shooting 4 more days and making it a two-parter. It hurt. It was painful and laborious and I was terrified that the decision to go two hours would compromise the episode creatively and it really was such a beautiful episode at 61 minutes… Anyway, we did what we had to do, and I think that in the end, we made it work as two hours and I hope that you don't hate us too much for making you wait a week for the pay-off. It's worth it, I promise.
Here's the thing though. There's just not that much I can talk about in this blog without giving away stuff that happens next week. I could tell you how much I love the stuff you've seen and how much I think you'll enjoy where it's all going but… I'm thinking maybe instead I'll save any further discussion of "Six Days" till next week and use this time to talk about some questions you guys have been writing us. (Also, I did the podcast this week – so if you aren't technophobic, like me, and you actually know how to download and listen to a podcast , you can hear me and Susan, our wonderful editor, talk about this week's episode in detail.)
What I want to talk about first is reruns. Yes, there've been a lot lately and I know it sucks. We had been scheduled to air a new episode on January 4th but when Six Days became a two-parter, it became impossible to write, shoot and edit all the new scenes and get something on the air by January 4th. The GOOD thing about the change is – we were going to air a new episode on January 4th then have another repeat on 1/11. So – yes, you had to wait an extra week for a new episode, but you will now have 7 WEEKS IN A ROW of new episodes. Yeay. We hope you enjoy each and every one of them. We do know how frustrating the repeats can be, but if you break down the math – that the TV season is 40 weeks long and that we can only physically produce 24 episodes in a season – well, there's gonna be a lot of repeats. That's just the way it goes.
Second, I want to talk about the process – as in – how and why we do the things we do because a lot of you have been asking. Here's how it works: at the end of season two, we spent about 5 weeks discussing season three – really planning out all the arcs for the whole season. Then we went on a 5 week hiatus and when we came back, we started breaking story (which is what we call outlining episodes.) As we break story, we usually veer from what we had planned either a little or a whole, whole lot. Because sometimes things that work in theory do not work in execution and sometimes things that we think are BRILLIANT by 7pm on a Friday seem absurd by 9am on Monday. It's not a perfect process, it's not a linear process, it's a creative process. And that process sometimes involves Shonda sitting up in bed at three a.m. having had an epiphany that completely destroys all of our plans but ultimately works out really well for the season. Or sometimes, we read a script and think it isn't working and sit and try to brainstorm ways to make it work and we come up with major story points that way.
For example, in "Break on Through" last season, Izzie having given up a baby for adoption was never discussed in the writers' room. I read the script and felt like it was missing a personal connection and I went to Shonda and the writer of the episode and said "what if Izzie had a baby she gave up for adoption" and they liked it so we put it into the script and put the script out and the writing staff was as surprised as Katie Heigl was because sometimes we get so far behind and so tired we forget to even put out a memo saying, hey, by the way, Izzie gave a baby up for adoption. (And that, my friends, is what we call a run-on sentence. High Schoolers reading this should NOT, I repeat NOT, try to learn anything from my syntax.) My point is, we work hard, we plan things and then just as in life, plans change and it's one of the things I love about writing for TV. Plus we have a phenomenal writing staff – they roll with the punches and very rarely burst into inappropriate tears when things change at the 11th hour. (Usually, these days, it's me bursting into inappropriate tears but that's because I'm very pregnant and wow, those hormones are killer. Greg Yaitanes, who directed "Six Days" parts one and two, stopped calling me Krista and just started calling me "Pregnant Lady." As in, "Hey, Pregnant Lady, here's what I'm thinking of doing with this scene." One might hear that as patronizing, but after spending 12, 13, 15 hours a day with me for three and half weeks shooting these episodes and watching me burst frequently into inappropriate tears, I felt he had earned the right. But really – which of you didn't cry after George saw his dad post-op for the first time and shaking, grabbed Mer's arm and said "He's my Dad, He's my Dad." ?? The problem is I burst out crying ON THE SET which …y'know…inappropriate.) Okay, I digress. I was talking about process.
I have heard it asked repeatedly how much influence you fans have on our storytelling. And I know one of the writers blogged that what y'all have to say carries a lot of weight in the writers' room. And I think to a degree that's true. And by that I mean, we read your comments – maybe not all of them but a lot of them – and sometimes we use them as a jumping off place for discussion in the room. Like, "A lot of fans don't like this character right now. Why is that?" We talk about the character and the things he or she has been doing and where we want to go -- we also usually discuss the fact that, for every fan who doesn't like a character, there's one who does. That's one of the things I love about our show – that it is polarizing. (I used to have an acting teacher who said, "If the audience is on their feet at the end of the play, you've done your job. If the audience is booing and throwing stuff at you at the end of the play, you've also done your job. What you never want is to receive "polite" applause.) If our characters were less flawed, if say, they were just plain sweet and likable, then you would all agree that you liked them and then where would we go? How much growth is possible in a character who never makes bad decisions? How much drama is possible if people are never f**ked up, never bitchy, never raw? So…our discussions that are prompted by your feedback often lead us down interesting paths, but they never end with us going, "Yeah, some of the fans don't like that, we should just stop it." Ever. Because it's our to keep you on the edge of your seats, it's our job to inspire you to write us in a feverish rage, it's our job to sometimes piss you off and hopefully, always, to keep you coming back for more.
Speaking of coming back for more…I have to go do work now – the writers' room is calling. So, because I dedicated this blog to giving you some answers – I will read and answer the first five questions you write me after reading this. (As long as you aren't asking me to reveal future story points cause you know I can't do that.) Okay? And then next week, I promise, I will talk about 6 days, parts one and two in great detail. Alright then, Happy New Year. I hope this finds you all healthy and happy and loving your lives.
More soon,
(oh, and P.S, I wanted to say thanks to those of you who went to see my play in NYC. It was an honor and a privilege to meet some of you and I so appreciated your support!)


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Beyonce — world-running music diva, political activist and philanthropist — performed a concert in Detroit, Michigan on July 20 and covered Sam Cooke's soul classic "A Change Is Gonna Come" in tribute to the bankrupt city. An official video has now been released and it's extremely moving. Not only do you get to hear Mrs. Carter's gorgeous vocal in high quality but the black-and-white visuals capture Detroit's troubled history and fighting spirit beautifully. Bey is such a class act. Watch her latest triumph above.
Are you a fan of Beyonce's rendition? Tell us in the comments below.
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Our mountains, rivers & lakes offer an abundance of activities in every vacation season! Boating, skiing, hiking, whitewater rafting, camping, or simply curling up by the fire—our area's natural beauty is the perfect destination whether you seek days full of activities or just plain relaxing. There's a Deep Creek Experience awaiting every member of the family in the Deep Creek Lake area and Garrett County, Maryland.
Direct highway access makes it easy to drive from anywhere! We're just 3 hours from Baltimore, MD & the Washington, D.C. area, 2 hours from Pittsburgh, PA, 4 hours from Columbus & Cleveland, OH and 45 minutes from Morgantown, WV & Cumberland, MD.
Fun in Garrett County!
Boating, Kayaking, Farmers Markets, Fishing, Biking, History, Spas & so much more! Learn More
Best Fall Color Town in the U.S.
Travel & Leisure Names Garrett County the Best Town in America for Fall Colors Learn More
47th Annual Autumn Glory Festival
Fall Foliage Tours, Parades, Craft Shows & more October 8 – 12, 2014 Learn More
Hot Deals
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Check Out Our Visitors Guide
Get area details with our electronic Visitors Guide Learn More
View Our Activities Guide
While you're in town, use our Activities Guide to find things to do, events & more! Learn More


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The presidential debate spurred a record amount of online chatter between voters.
People watching the presidential debate sent out 10.3 million tweets during the 90 minute showdown between President Barrack Obama and Mitt Romney.
The debate quickly became the most tweeted event in political history according to twitter.
According to USA Today people sent 500,000 tweets in 2008 for all four debates.
Wednesday night, people sent 2 million tweets in the first 2 minutes.


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New for 2014 is the introduction of fly-by-wire brakes, or brake-by-wire, where the connection between the driver's brake pedal and the brake system is electrical rather than mechanical. This is to give better control over the front-to-rear brake balance when the ERS (Energy Recovery System) is in...»
Like most teams', Sauber's front brake assembly has stayed more or less the same as in 2013, but with increased complexity to the machining detail (highlighted) of the calipers to help cut weight. Some calipers now take over 40 hours of CNC machining. Weight saving for 2014 has been imperative as...»


text: Posted Online: Nov. 21, 2012, 8:00 pm Old school vs. new school: Alleman, Rochester offenses are quite contrasting Comment on this story By Daniel Makarewicz, firstname.lastname@example.com More photos from this shoot Photo: Brett Roseman Alleman senior running back Adam Hoogerwerf prepares for a hit during the Class 4A state quarterfinal at Evergreen Park. The Pioneers' option-style offense has been a staple of the program in recent memory. Photo: Ted Schurter/The State Journal-Register Rochester's Austin Green heads for the end zone for a first quarter touchdown against Harrisburg in the Class 4A state semifinal. The Rockets' up-tempo, spread formation has carried them to the state championship game for the third consecutive season. Out of all the ways to describe how the Alleman football team operates on offense, senior running back Sean Wetherell chooses to say it is designed to grind it out. Another statement he added seems appropriate, too. "It's pretty old school," Wetherell said. Built to control the flow of the game, the Pioneers' option-style offense is impressive for its effectiveness and rarity. What used to be a popular system gave way to the fast-paced spread offense that Rochester, which meets Alleman in Friday's Class 4A state championship game, has used during its run to state prominence. In other words, the Rockets are new school. "Our tempo is going to be fast," Rochester coach Derek Leonard said. "We want to score as many points as possible." Since Leonard's tenure started seven years ago, the goal is to create a track meet. "We want to apply pressure, and we want (the opponent) to feel uncomfortable," Leonard said. "We want to go fast, score a lot." A frantic pace has Rochester seeking its third consecutive state title. Alleman is attempting to stop the Rockets' bid at history, hoping it can win a first-ever state championship by controlling the tempo and the clock. Who can set the tone will be a major factor in this game considering the contrasting speeds and styles both teams want to play. Alleman hopes to secure 8-minute minute drives like it did to seal a 23-7 win at Evergreen Park in the state semifinals. On the other end, the Rockets hope for the 2-minute drill on every offensive series. "Something's got to give," Leonard said. "It's a matter of who gives the most and who gets their way." So far this season, Rochester has had little trouble getting its way. The Rockets average 45.4 points and 448.4 yards per game with an offense using five wide receivers on the pass and reads on the run. Only once have they failed to score at least 35 points in a game. Leonard adapted the offense his father, Ken, used to win three state titles at Springfield Sacred Heart-Griffin. The offensive philosophies between the two coaches are similar, but Derek added some wrinkles he learned as a player at Illinois College and as a Fairbury Prairie Central coordinator. As one Rochester observer puts it, the system is "sophisticated." "Kids love it," Leonard said. "It's like in basketball — going up and down the court." In reaching the state title game for the third time in seven years, the Pioneers have done so with a system that preaches patience, execution and commitment. During Dave DeJaegher's tenure as the Alleman head coach, the three-back, option-style scheme has kept the program atop the Western Big 6 Conference and state landscape. A solid gain in the Alleman offense is four yards, a total the team wants to get consistently. "We are who we are," DeJaegher said. "We've got to go with it." Still, the Pioneers are no offensive pushover. Alleman scores 33.8 points and tallies 327.8 yards per game. During the season, it eclipsed the 35-point mark eight times. The only thing missing are the big plays that Rochester prides itself on getting. "We go up the middle, run hard," Alleman senior quarterback John Tracey said. "We've got to do what we've got to do. It might not be too entertaining." Nor is it easy to duplicate. "We can't run that offense in practice," Leonard said. "But they can't do what we do." Alleman would not want to use the spread anyway. "Absolutely not," Wetherell said. "With the success we've had, why change anything?" That's the definition of old school.


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AVAILABILITY: Unavailable for immediate shipment.
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- 91% Nylon, 9% spandex
- Hand wash
- Made in USA
- Center back to hem: 8" (20 cm)
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Rated 5 out of 5�by 1 reviewer.
Rated 5 out of 5�by fahsiongirl23 Cute and Stylish Top ? Get Ready for Summer! I got both of these colors, the black and white stripe and the orange and white stripe. They fit true to size according to your Bebe fit. They are really comfortable and easy to wear. They also have a little bit of stretch and do a great job of concealing any little tummy flaws ? so you can?t go wrong with these. I plan to wear them with a gold necklace and a cute purse, from Bebe of course! June 15, 2014
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Hala Khalil, whose first feature, Ahla al awkat (The Best of Times), received so much acclaim from Arabic media, returns with another story that deals with young people looking for ways to achieve their dreams. It's the story of Gamilla (Hanan Turk), whose only way to emigrate from Egypt to New Zealand is to marry an Egyptian man, Youssef, she hardly knows and whom she met in unlikely circumstances. The only common ground between them is that he is also looking for ways to leave Egypt and in finding it difficult to meet New Zealand's immigration criteria. One of the best movies this year, Cut & Paste is quick to pinpoint the pain of its characters and to understand their motives and needs. Like most Egyptian films, it is one for the whole family.
Cast & Credits
- Director: Hala Khalil
- Producer: Youssef El Deeb
- Cinematographer: Tarek Al-Telmisany
- Editor: Khaled Marey
- Composer: Tamer Karawan
- Cast (in alphabetical order): Fathi Abd El Wahab, Hanan Turk, Marwa Mahran, Sawsan Badr, Shirif Mouneer


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wet behind the ears. on We Heart It. http://weheartit.com/entry/1378572
I'm into all kinds of shows, music, video games and books.
I love to sing, dance and act.
The Family is pure gold. The Friends are colourful.
The Followers are awesome.
Lana Del Rey is my queen.
And I ship HiJack... a lot.
☺☺☺☺☺☺☺☺☺☺☺☺☺☺And well, there's a guy called Soap.


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Energy Efficiency and Conservation
Learn more about saving energy
North Dakota 's electric cooperatives consistently promote energy efficiency and conservation by offering several energy programs including:
Even though North Dakota's electric cooperatives belong to a larger state and national electric alliance of cooperatives called Touchstone Energy, each individual cooperative is independently owned and operated by its members. Therefore each cooperative's board of directors and management decides on the energy efficiency and conservation plan that best serves its member-owners. To find out more about each cooperative's program visit their local Web site here.
Heating assistance available
The Low Income Home Energy Assistance Program (LIHEAP) provides home energy assistance to eligible low-income households.
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text: SHEBOYGAN, Wis. (WHBL) - There's already a race shaping up for the office of Sheboygan Mayor. Incumbent Terry Van Akkeren announced today that he will seek re-election in April. And yesterday, former County Board Chairman Mike Vandersteen took out nomination papers for the office. In making his announcement this morning, Van Akkeren said he's proud of the many positive things that have happened during the past 9 months since he won the recall election. He cited the agreement on Joint dispatch, the Sheboygan River Dredging, and working to keep the south side Piggly Wiggly open. Vandersteen said today that his campaign will emphasize several things including investing in the infrastructure, neighborhood safety and progress by teamwork. Candidates have until January 2nd to turn in nomination papers.


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instagram and twitter follow @jayyehhm
Jazmin : 19. queer . Socal :)
"One love, one heart
Let's get together and feel all right"
That ..
amazing feeling you get when you come out to your parents and they accept you they support you…
they love you for who you are!..and don't try to change you.
yeah that moment <3
Just cuz (: <3
I have NO shame in WHO I AM..Have NO shame in WHO YOU ARE.
growing up i knew i was a lil' different.
Never knew there was a specific word to call this "difference"
i like girls. Knew this since back when i was five years old.
i didn't know any better thought it was normal.
Growing up i found out that liking girls wasn't so normal.. kept it to myself.
at the age of 12 going on 13 i started to pay more attention to
my attraction towards girls. told myself no i don't to yes i do like girls. (very confusing time in my life )
came out at the age of 14.
I'm 17 now i'm OUT and im proud to be a lesbian . I could care less what others think.
As long as my mother,my father my family and close friends accept me i dont give a damm who judges me.
i can say i am blessed with a family who loves me for who i am. I know some people don't have that. So i am truely thankful for that.
i am NOT ASHAMED of who I AM . and neither should anyone else. <3
amen! :p
(via loveincolororg)


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What makes the New Year's Eve drink of choice different from other sparkling wines? The answer: location, location, location! Champagne is not only the name of a sparkling wine, but more specifically, it's a region in France. Aside from Champagne being one of the northernmost wine producing regions of the world, it's easily one of the most misunderstood wines.
All that glitters is certainly not gold and all that bubbles is not Champagne. Only wines that are made within that delimited region can carry the hallowed name "Champagne". The secret to Champagne? In its still wine stage, Champagne undergoes a unique second fermentation while in the bottle. Other wines are simply shot full of carbon dioxide while in a tank, then bottled. The choice is yours.
Here are my top 5 favorite non-vintage bubbles:
Champagne stands out because of its blending. Cellar masters use three grapes: Chardonnay, Pinot Noir and the obscure Pinot Meunier. Remember that all great wines begin with great grapes - Champagne is no different. The best grapes from Grand Cru or Premier Cru vineyards, within the Champagne region, are specified when making that first fermentation of still wine before the yeast and sugars are added to start that magical secondary fermentation. This quality is reflected in the complexity, flavors and length of finish in the final product. Remember that a vintage bottle of Champagne contains grapes coming entirely from the year on the bottle. It should be a better bottle as not every year is declared a vintage year in the region. A non-vintage bottle, however, will always carry that "house style" as it's a blend of several years (vintage and not) that are stored in caves at the domain. The wine world is full of paradigms and sayings that are rather, well… they're sayings. But one that I will stick by is that once you've had GOOD Champagne, all others will seem like bubbly grape juice. My advice? Save most of the Cava's (Spain), Prosecco's (Italy) and Sekt's (Germany) for delicious Mimosa's (Orange Juice) or Bellini's (Peach Nectar) and break out the true Champagne for your New Year's toasts. Champagne comes in all degrees of dryness, fullness and flavor profiles that not only make them excellent for New Year's toasts, but can be drunk throughout the main meal given the right pairings. Cheers to a healthy 2012!
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The Streak Is Buried Gift Pack - 20 Pirates Smileys and a Jolly Roger Flag$24.99
Pittsburgh Pirates Gift Basket - Black and Gold Mug and Pirates Smiley Cookies$32.99
Pittsburgh Gift Baskets - Black and Gold Cookie Gift Basket$32.99
The Double Header - 24 Pittsburgh Pirates Smiley Cookies in a Gift Box$32.99
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Extremely fast and powerful 1900 watt motor, optimum cutting performance for most sawing tasks. 40cm bar length and 12 m/s chain speed. Chrome chain. Rapid reaction kick-back brake - operates in under 0.1 seconds, 30% faster than industry standards recommend. Automatic oiling and oil level indicator enables clean lubrication and avoids running the chainsaw dry. Large steel gripping teeth.
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Beagle Puppy
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Wandering Acres Kennel
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Location: St Cloud, Minnesota


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- Scot Wilcox
- Provo, UT
- United States
This conversation is closed.
Do right and wrong exist?
I'm curious about objective right and wrong. If you believe in God, this is a no-brainer. Some things are wrong, some things are right, simply because God says so and He knows. But if you don't believe in God, can you still believe in objective morality? I personally don't think you can. I mean, what do you base it off of? How do you find out what's objectively right or wrong? (By objective I mean "existing independent of thought or an observer as part of reality." from dictionary.com)
Sure, there's subjective morality. Any idea of right or wrong come up with by a human is by definition subjective. That's all well and good. Problem is that it only applies to people who believe in it and it gives them no authority to proclaim anything as "what we should be doing." Very often everybody disagrees with each other and we don't get anywhere. (Just look at Congress for an example of this.)
Maybe you disagree with me and you think there is objective morality but no God. That's fine. I would like to ask you to answer a question for me though. Let's pick an easy one. Why is rape objectively wrong? Don't misunderstand me, I can't think of a single instance where rape wouldn't be wrong. I believe very strongly that sexual abuse is one of the greatest evils in the world. Why is it evil? If you can answer me without using a God-based or subjective argument, I'll concede the point.
That point is this: Without God, there is no such thing as right and wrong, only the things we call right and wrong. And since nobody can agree on what to call what, we're all in a lot of trouble.
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Louise KyteFeb 23 2013: This is for Mark, because he tried to argue against wrongness=death. Nice try, Mark. But this has been grappled with successfully for millennia. This is why as a group we know to be sad when someone dies young, but not so sad when they've passed at 90 or 100. And the latter particularly if they lived a full life. We all have a pretty good idea of what a full life means around here. I can't imagine that's not true where you live.
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Dir: Max Ophüls
Scr: Annette Wademant
Orig Story: Cécil Saint-Laurent
Prod Co: Gamma Film
Cast: Martine Carol, Peter Ustinov, Anton Walbrook
1955 / West Germany/France / Colour / 35mm / French / Eng Subtitles / 114min
The best renowned of Max Ophüls's films is the director's last work and his first in colour. Lola Montès is so rich in style and emotions that it demands repeat viewings, each time guaranteeing a fresh experience. Based on the life of the beautiful courtesan Lola Montez, the film is an ornately orchestrated film that confronts our idea of romance, womanhood and fascination with celebrity. It was met with overwhelming scorn in its initial release and was subsequently butchered in various forms. Some of the original material has thus been lost.
Restoration for Lola Montès started as early as 1966, involving detective work all over Europe in search of the missing material. This restored version was spearheaded by la Cinémathèque francaise with the participation of Technicolor Foundation and other parties and was completed in 2008. Much of Ophüls's intent was reinstated, though some original footage is still missing.
|2:00pm *
|Cinema, Hong Kong Film Archive
|Cinema, Hong Kong Film Archive
* Post-screening talk with Fung Ka-ming in Cantonese
The contents of the programme do not represent the views of the presenter.
The presenter reserves the right to change the programme should unavoidable circumstances make it necessary.


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Availability: Usually Ships Within 24-48 Hours
Andalou Naturals Conditioner Moisture Rich Sweet Orange & Argan - 11.5 oz.
Andalou Naturals Conditioner Moisture Rich Sweet Orange & Argan benefits dry, curly, textured hair. Andalou Naturals Advanced Fruit Stem Cell Science improves hair follicle longevity and vitality for healthy hair from root to tip. Sweet orange revitalizes follicles and healthy circulation. Omega rich Argan oil deeply penetrates each strand, repairing and restoring moisture, elasticity and strength, minimizing split ends and frizz with amazing luster and shine.
Benefits: Dry, Curly, Textured Hair
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Does this product contain sulfates?Their products are made naturally without sulfates, GMO, petrochemicals, phthalates, parabens, synthetic fragrance, colors or preservatives
Is this product safe for color treated hair?All of their products are safe for color-treated and processed hair.
About Andalou NaturalsAndalou Naturals embodies beauty in action. They infuse the best of nature and knowledge into mindful and effective products that are good for people and the planet. They value knowing where our ingredients come from, the farmers who grow them, and connecting the human chain of hands that make every step possible from farm to bottle, soil to skin, and botany to beauty. Their skin care, hair care and body care products are made thoughtfully and beautifully, blending advanced Fruit Stem Cell Science with natural and fair-trade ingredients, with a minimum 70% certified organic content, for visible and healthy results. At Andalou, they champion social responsibility and giving-back by establishing A Force of Nature as a philanthropic asset of the company, supporting sustainable trade, eco-conservation and collective relationships, while bestowing a true reason to succeed. The meaning of Andalou is 'Path of Light', and they believe it best reflects their intention to foster good things in the world and enrich the lives we touch, one responsible product at a time. For Andalou Naturals, it's simply the way business should be done.
Fruit Stem Cell Science Their Advanced Fruit Stem Cell Science provides 'universal cells' to renew, repair and regenerate healthy skin; by increasing the longevity of skin's stem cells, defending against key aging factors, including UV and oxidative stress, and repairing skin's DNA to combat the visible signs of aging. Solar Vitis Fruit Stem CellsSolar Vitis fruit stem cells, from the rare Gamay Teinturier Freaux grape, are characterized by extremely high anthocyanin content. Anthocyanins are powerful antioxidants and free radical scavengers, enhanced by the interaction of special epigenetic factors and metabolites to help protect the skin and epidermal stem cells from UV radiation and premature photo-aging. Solar Vitis (Grape) Stem Cells:
Malus Domestica Fruit Stem CellsMalus Domestica fruit stem cells, from the Uttwiler Spatlauber apple varietal, are rich in phyto-nutrients, proteins, and long-living cells. This unique composition of self-renewal growth characteristics awaken dormant skin cells, making them behave like younger cells, while enhanced longevity properties contribute to healthy cell duration and age-delaying protection. Malus Domestica (Apple) Stem Cells:
The BioActive Pyramid
Apex LevelAndalou Naturals Advanced Fruit Stem Cell Science provides 'universal cells' to renew, repair and regenerate at the cellular level with Solar Vitis (Grape) and Malus Domestica (Apple) fruit stem cell cultures.
Core LevelBioActive 8 Berry Complex, with bilberry fruit stem cells, provides a potent portfolio of super antioxidants to combat environmental stressors, support cell turnover, increase collagen and elastin, and strengthen dermal immunity.
Support LevelCertified Organic Aloe Vera polysaccharides best prepare, soothe, oxygenate and replenish, providing the optimal dermal delivery for our bioactive ingredients.
Andalou Naturals Reasons To Succeed Andalou Naturals ProductsTo create skin care, hair care and body care products that are simply good for you. Made thoughtfully and beautifully, blending natural, organic and fair-trade ingredients with quality standards and meaningful ethics.
Andalou Naturals CustomersTo exceed expectations with products that are beneficial for both people and the planet, specifically designed to help rather than harm at every stage of their lifecycle, providing natural, efficacious formulas, truthful labels, and recyclable packaging with exceptional customer service.
Andalou Naturals PartnersTo build strong and enduring business relationships, by keeping their commitments, managing efficiently, communicating clearly, negotiating fairly, and consistently delivering premium products with integrity, reliability and merit.
Andalou Naturals TeamTo be respectful, supportive and compassionate to one another; to be productive, creative and open minded in our daily lives; to achieve, advance, and thrive in a healthy workplace.
Andalou Naturals Shareholders To ardently create wealth through profits and growth by means of responsible and sustainable business practices.
Andalou Naturals ResponsibilityTo champion meaningful pursuits; to support equality by example and collaboration; to foster sustainability, ecologically, economically and collectively; to infuse good things into the world and enrich the lives we touch; to be a force of nature.
Key IngredientsArgan Oil (argania spinsosa): Deeply moisturizing, each strand is restored and strengthened to minimize split ends and improve luster and shine.Amino Acid Complex: Strengthens and nourishes, inducing the regeneration of hair fibers.Sweet Orange Oil (citrus aurantium dulcis): Revitalizes hair and follicles for renewed vibrancy.Shea Butter (butyrospermum parkii): Replenishes essential vitamins to restore moisture for soft healthy hair.
Ingredients:Aloe Barbadensis Juice*, Stearylkonium Chloride, Glyceryl Stearate, Cetearyl Alcohol, Glycine Soya (Soy) Milk, Argania Spinsosa (Argan) and Persea Gratissima (Avocado) Oils*, Vanilla Planifolia and Citrus Aurantium Dulcis (Orange) Extracts*, Manuka Honey, Butyrospermum Parkii (Shea) Butter*†, Theobroma Cacao (Cocoa) Butter*, Panthenol (Pro-Vitamin B5), Tocopherol (Vitamin E), Amino Acid Complex (Arginine, Threonine and Serine), Sorbitol, Fruit Stem Cells (Malus Domestica, Solar Vitis) and BioActive 8 Berry Complex*, Borago Officinalis (Borage), Rosa Canina (Rosehip) and Simmondsia Chinensis (Jojoba) Oils*, Aspalathus Linearis (Rooibos) and Camellia Sinensis (White Tea) Extracts*†, Sodium Benzoate, Citric Acid, Potassium Sorbate, Ethylhexylglycerin, Citrus Aurantium Dulcis (Orange) Oil* *Organic † Fair Trade
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After winning one, drawing one and losing one so far this campaign, Stuttgart will be hopeful of getting a positive result to introduce some early momentum as the games begin to come thick and fast in Germany.
Bordeaux play at Valenciennes this week and will be aiming to build on the two draws they have had so far. Les Girondins have had a tricky start to their Ligue 1 season so they'll be looking to get into gear this weekend.
On Sunday, Malmo play host to Elfsborg as they look to gain ground on the leading pack in the Swedish Allsvenskan. The defending champions sit in mid table with games in hand over their rivals and are aiming to finish the season with a flourish.
Tottenham face Man City in a lunch time clash in the English Premiership on Sunday. Spurs, who progressed in the Europa League earlier this week, have played one game less than most of the other teams in the league and will be hoping to make the most of home advantage to pick up their first points of the season.
Let us know how you think they'll get on!


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Gold Coin Auctions
OK, this is personally my favorite way to collect gold. Why you ask? Well first of all, most gold coins are officially minted and therefore are a very safe and reliable way to know you are getting what you are paying for. With an officially minted coin there is no question as to it's gold value content.
Also many of these coins can gain in value based simply on there availability. It's like collecting and investing all at the same time.


text: The Denver Nuggets might lack a bonafide superstar, but the team has something a lot of other teams don't — depth at pretty much every position. Even with injuries to some key players, Brian Shaw has a lot of pieces he can throw into different lineups and he experimented quite a lot early in the season. The rotation is pretty solid now and with a decent sample size we can begin to examine the trends.


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Love Birds Tea Towel 2 2
I Love These I just saw these in the store and had to buy one. They are really cute, especially with the different colored, ruffled edge. March 15, 2012
Not as pictured The background on the towels are much much darker than pictured, they are almost a chocolate brown. It's a shame, because the birds are cute, but these will be going back. April 13, 2013
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This year's Report was presented by The Treasury and Resources department on 16 November 2012.
Read about the extension to the 10% tax rate band and other changes in the budget 2013
© 2013-2014 PricewaterhouseCoopers CI LLP. All rights reserved. PwC refers to the Channel Islands member firm and may sometimes refer to the PwC network. Each member firm is a separate legal entity. Please see http://www.pwc.com/structure for further details.


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In Sustaining Beauty: Reflections from the Memoirs of Ninah May Holden Cummer, The Cummer Museum's founder comes to life in this one-woman play created in partnership with Jacksonville Beach theater Players By the Sea. With assistance from museum Curatorial staff, the piece is written and performed by Barbara Colaciello, who spent a year in our archives researching Ninah. Learn more about this generous, forward-thinking woman on April 5 at 7pm. Admission to the play is just $5.
Tag Archives: Sustaining Beauty
The Ninah Cummer Project: An Interview with Barbara Colaciello
by Amber Sesnick, Visitor Services & Marketing in Events, Legacy Archives
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Find great deals on quality Santander, Spain hotels & resorts, or indulge at one of our luxury resorts. Take advantage of the many amenities that can be included with your stay such as in-room internet access, wifi, room service, fitness center, pool, hot tub, steam room, and shuttle services to and from the airport. Browse our Santander, Spain hotels and resorts and plan your Santander, Spain vacation today!
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Santander, Spain Hotels & Resorts - Chiqui Hotel is situated at the most beautiful site of El Sardinero beach, its privileged situation will let you listen to the sea, peacefully sitting
Santander, Spain Hotels & Resorts - The hotel was built in 1917 in the neo-French style of the great European palaces at the initiative of citizens of Santander in honor of King Alfonso XIII
Santander, Spain Hotels & Resorts - The Vincci Hotel Puertochico enjoys a location in the old town, close to the docks and the edge of the stunning coastline in Puertochico, Santander, offering
Santander, Spain Hotels & Resorts - This Little Gem of a 19th-Century Palace Has Been Carefully Renovated and Tastefully Decorated, With Attention Having Been Paid Even To the Most Minute
Santander, Spain Hotels & Resorts - The Apartments Are Ideal For Stay As a Family or Couple, in This Elegant and Tranquil City. Can Also Bring Your Pets Here.
Finestrat, Spain Hotels & Resorts - Mountain Hotel in Finestrat, centrally located to all Costa Blanca Climbing area. Sella, Calpe, Echo Valley, Puig Campana minutes away. Quality rooms with ensuite bath, a/c, heating, TV, swimming pool, private terrace view to mountain and sea.
Madrid, Spain Hotels & Resorts - Ada Palace Hotel is the perfect option for holiday stays and business trip alike, owing to its location in the historic quarter of Madrid.
Puerto Alcudia, Spain Hotels & Resorts - The beach hotel provides 244 guest rooms. All rooms have air conditioning at the manager
Madrid, Spain Hotels & Resorts - The Petit Palace Ducal Chueca Hotel is located in an old palace dated from the end of the 19th century at the city center on the corner of the Gran Via
Malaga, Spain Hotels & Resorts - Hotel Atarazanas Malaga is located in the heart of the historical centre of the city, next to the emblematic central market of Atarazanas...


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Debi Smith named one of Atlantas outstanding real estate agents with fewer than 7% awarded.
Marietta, GA (PRWEB) August 28, 2014
Five Star Professional is pleased to announce Debi Smith, Atlanta Communities Real Estate Brokerage, has been chosen as one of Atlantas Five Star Real Estate Agents for 2014.
Five Star Professional partnered with Atlanta magazine to recognize a select group of Atlanta area real estate agents who provide quality services to their clients. Debi Smith is featured, along with other award winners, in a special section of the August issue.
It is a privilege to be named a Five Star Real Estate Agent for the second year and I am honored to be recommended by my clients. They are the reason I do what I do and I am so grateful for their loyalty and trust in me, Debi Smith of Atlanta Communities Real Estate Brokerage.
The Five Star Real Estate Agent award program is the largest and most widely published real estate agent award program in North America. Agents are measured using an objective, in-depth research methodology with significant focus on customer feedback and overall satisfaction.
Our list of local Five Star Real Estate Agents can be an invaluable resource for anyone looking to buy or sell a home. These agents are exceptional in their field and their commitment to client satisfaction; and are right in your backyard, Jim Olson, CEO, Five Star Professional.
Debi Smiths Five Star award profile can be viewed here.
About the research process:
Now entering its 12th year, Five Star Professional conducts in-depth, market-specific research in more than 45 markets across the United States and Canada to identify premium service professionals.
Five Star Professional contacts thousands of recent homebuyers to identify award candidates. Phone, mail and online respondents rate their real estate agent on 10 satisfaction criteria. Candidates with a qualifying client satisfaction rating move on to be evaluated on objective criteria such as experience, production levels and disciplinary and complaint history.
Real estate agents do not pay a fee to be considered or awarded. For more information, visit http://www.fivestarprofessional.com.
For the original version on PRWeb visit: http://www.prweb.com/releases/2014/08/prweb12126902.htm
Information contained on this page is provided by an independent third-party content provider. WorldNow and this Station make no warranties or representations in connection therewith. If you have any questions or comments about this page please contact firstname.lastname@example.com.


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Jimmy Dunne received the LIFETIME LEGACY ACHIEVEMENT AWARD in recognition of your commitment to end corporal punishment of children. May 23, 2014.
Signed by Katherine Kaufka Walts, J.D. Director,Center for Human Rights of Children
George Holden, Ph.D., Professor and Undergraduate Director, Southern Methodist University
People Opposed to Paddling Students or POPS, Inc.
Contact information: Jimmy Dunne, President
1306 W. Brooklake Dr., Houston, TX 77077 281.584.9707 firstname.lastname@example.com
Donations appreciated. Privacy statement:
personal and credit card information will remain strickly
confidential. Your name will not be shared with any other group or
Donate now!
See new POPS flyer 1.28.2011 Let us know how you like it.
Donations appreciated. Privacy statement:
personal and credit card information will remain strickly
confidential. Your name will not be shared with any other group or
Donate now!
See new POPS flyer 1.28.2011 Let us know how you like it.
Open letter to Texas Gov. Rick Perry; HOW TO REDUCE CHILD ABUSE IN TEXAS
I urge you to support Rep. Alma Allen's HB 916 which will abolish
corporal punishment in Texas schools. Thirty other states have studied
the issue and put away the paddles. School paddling is NOT discipline,
it is child abuse and it leaves BIG bruises on children's buttocks. It
also promotes child abuse at home. It's shocking that some children as
young as age 5 go happily to school in the morning and end up
in a hospital with injuries from a discredited school discipline
Think about it, hitting children with boards is child abuse whether
done at home or at school. We all need to protect children from child
abuse wherever we see it.
men hitting school children is wrong and would be a felony assault if
done away from your schools. Research shows that paddling lowers test
scores increases dropout rates and vandalism.
As a former teacher, I know that paddling is more of a reflection on the teacher than the student. A few teachers get sadistic pleasure
out of paddling. Students feel worthless and their academic success
falters. Ending paddling is good for the students and the schools.
Children have nightmares and are afraid of going to school. Is this
what we want of our schools? People are not for hitting and children are
people too.
Everyone should do what they can to stop child abuse wherever we see it. The law requires that.
Temple TX ISD
superintendent Dr. Robin Battershell greatly improved discipline by
requiring principals spend ten minutes per day in three classes (30
minutes total). This let the teachers and students know that a principal
could walk in at any moment.
paddling promotes more child abuse at home. Gov. Perry, you will be
proud of your support for reducing child abuse in Texas for the rest of
your life.
Jimmy Dunne, Pres. People Opposed to Paddling Students, Houston, 1306 W. Brooklake Dr., Houston, 77077 281.584.9707
organizations are The Hitting Stops Here!, Parents & Teachers
Against Violence in Education, Prevent Child Abuse Texas (PCAT), Texans
Care For Children, Texas ACLU, Human Rights Watch, National Youth Rights
Assn., and Coalition Against School Paddling.


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AIDS Project Los Angeles (APLA) believes in protecting the privacy of personally identifiable information gathered from visitors to our Web site and individuals who donate online, by phone, through the mail or at events. The policy below explains how APLA collects, utilizes and disseminates personal information when you donate or register to receive information from APLA. This policy may be changed or updated from time to time.
APLA uses hit counting and traffic analysis to look at trends, administer the Web site, track visitor movement and click-through behavior and gather broad demographic information that is not personally identifiable. This information helps us to better understand our visitors' site usage patterns and the types of content and information that may help improve your experience on the APLA Web site.
We gather personally identifiable information when you contribute to APLA online, through the mail, by phone or at events, or when you sign up to receive communications from APLA. APLA does not collect personally identifiable information about people without their permission.
We use your personally identifiable information to send you legislative updates and action alerts, information about APLA programs, events and activities, and information about local volunteer opportunities.
In order to make a donation or purchase on this Web site, by phone, through the mail or at events, a user must first complete a donation or order form, in which the user provides contact information (such as name and shipping address) and billing information (such as credit card number and expiration date). This information is used for billing purposes, to fill orders and to provide receipts for your donations. If we have trouble processing an order or donation, this contact information can be used to get in touch with the user. This information will be used to send the user materials, a tax receipt (if a donation is made) or purchased items. Unless you indicate otherwise by sending us an e-mail (see the "opt out" options on our Donate Now page and our APLA Store page) or let us know when you give by phone or through the mail, the user will be added to the AIDS Project Los Angeles mailing list.
To obtain the names of potential new supporters, APLA occasionally rents lists of names from like-minded organizations through reputable and trustworthy third parties. Because of the high cost of renting such lists, APLA will also occasionally, exchange its list of supporter names with other organizations for a one-time usage only. APLA does not make its list of supporters available on a rental basis under any circumstances.
Individuals who are added to APLA's mailing list may receive periodic mailings throughout the year. Only APLA donors, volunteers and fundraisers participating in AIDS Walk Los Angeles and National AIDS Marathon Training Program receive our printed newsletter. Occasionally, we may choose to exchange our mailing list with other like-minded organizations through a reputable third party. If supporters wish to have their names excluded from this exchange program, they may indicate their preference by checking the "opt out" button when providing their name and address or at a later date by sending an e-mail request.
If a user elects to use our "Tell a Friend" referral service to inform others about APLA events and communications, our site will request from the user the friends' names and e-mail addresses. Our Web site will automatically send those friends a one-time e-mail inviting them to visit the site. APLA will not keep their contact information or send them any other materials than the one-time e-mail.
Tell a Friend is processed exclusively by GetActive, a leading provider of online constituent relationship management services. For further details about their privacy practices and security precautions, please consult the GetActive privacy policy directly from the link on our donation page.
This Web site contains links to other sites. Please be aware that AIDS Project Los Angeles is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.
Web site donations and donations made by phone, through the mail or at events are processed exclusively by VeriSign®. VeriSign operates intelligent infrastructure services that enable and protect billions of interactions every day across the world's voice and data networks. For further details about their privacy practices and security precautions, please consult the VeriSign privacy policy directly from the link on our donation page.
When you make a donation to us through the Donate Now button on our Web site, VeriSign shares your personally identifiable information with APLA so we may acknowledge receipt of your donation for tax purposes.
When you send a donation in honor or in memory of someone and request that an acknowledgment be sent to another individual/family, we will use the name and address of that individual/family for acknowledgment purposes only.
We use cookies in our online store to remember your billing address and the items in your shopping cart. This allows you to leave the shopping cart and return without having to re-enter this information. You have the option to delete any of this information at any time. Your credit card information is entered once at the end of your transaction and is not stored by us in any way.
We use clear gifs in our E-Bulletins sent by e-mail to let us know how many were opened by the recipients. Clear gifs (a.k.a. Web Beacons/Web Bugs) are tiny graphics with a unique identifier. They help us better manage content on our site by informing us what content is effective. The clear gifs we use in our E-Bulletins only appear in e-mail programs that support HTML. If you have concerns about our use of clear gifs please do not subscribe to our E-Bulletin. Web sites maintained by APLA also make use of clear gifs for the purpose of anonymous traffic analysis.
If your contact information changes, or if you would like to be removed from our mailing list, APLA will correct, update or remove that information. To make such a change, please send an e-mail.
This Web site takes every precaution to protect our users' information. When you submit sensitive information via the Web site, your information is protected both online and off-line. When our donation or order form asks users to enter sensitive information (such as credit card numbers), the information is encrypted and protected. While on a secure page, such as the credit card number entry form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer will display as "locked."
We also do everything in our power to protect user-information off-line. All of our supporters' information, not just the sensitive information mentioned above, is restricted in our offices. Finally, the servers that we store personally identifiable information on are kept in a secure environment.
If you have any questions about the security at our Web site, please send an e-mail.
If we decide to change our privacy policy, we will post those changes on our Web site so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If we decide to change our privacy policy in a material way (for example, use personally identifiable information in a manner different from that stated at the time it was collected), we will post those changes prominently on our Web site for 30 days prior to taking effect. Users will always have a choice as to whether or not we use their information in this different manner.


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Viewing entries tagged with 'LIVE'
Dragons claim first points of 2010
THE St George Illawarra Dragons have claimed first points of the new season, grinding out an 18 points to 12 victory over the Parramatta Eels at Parramatta Stadium tonight
Crusaders Colts 34 - 16 Liverpool Buccaneers
MATCH report of the Celtic Crusader Colts' weekend victory over Liverpool Buccaneers in the UK Conference National Premier division.
Brameley take their chances
LIVERPOOL again showed that they are going to be a match for anyone in their first season at this level, with a highly creditable performance in defeat.
Buffaloes receiving Liverpool!
AFTER three successive away games Bramley return to home ground this Saturday to receive the Liverpool Buccaneers...
Rabbitohs keep finals hopes alive
THE South Sydney Rabbitohs have scored an important 20-14 victory over the North Queensland Cowboys.


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December 03, 1999
The service-producing sector of the economy is projected to grow by 19.1 million wage-and-salary jobs between 1998 and 2008. This represents nearly 95 percent of total employment growth over that period. In the latter year, the service-producing sector will account for almost 3 out of every four jobs in the U.S. economy.
[Chart data—TXT]
Within the service-producing sector, the robust growth of the services industry division will continue. Employment in this diverse group of industries is projected to increase by 11.8 million by 2008, accounting for about 60 percent of total growth in the service-producing sector.
Within the services division, nearly three-quarters of projected job growth is concentrated in three industry groups—business services (4.6 million jobs), health services (2.8 million) and engineering, management and other services (1.1 million).
Projections of the industrial composition of employment are a product of the Employment Projections program. The services industry division is the sub-set of the service-producing sector of the economy that supplies services to other businesses and to individuals. Other service-producing industries include transportation, communications, utilities, trade, finance, and government. To find out more, see articles from the November 1999 issue of Monthly Labor Review.
Bureau of Labor Statistics, U.S. Department of Labor, The Editor's Desk, Service sector dominant source of new jobs on the Internet at http://www.bls.gov/opub/ted/1999/nov/wk5/art05.htm (visited September 23, 2014).
This edition of Spotlight on Statistics examines labor productivity trends from 2000 through 2010 for selected industries and sectors within the nonfarm business sector of the U.S. economy. Read more »


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According to tradition, St. David was the son of King Sant of South Wales and St. Non. He was ordained a priest and later studied under St. Paulinus. Later, he was involved in missionary work and founded a number of monasteries. The monastery he founded at Menevia in Southwestern Wales was noted for extreme asceticism.
David and his monks drank neither wine nor beer - only water - while putting in a full day of heavy manual labor and intense study. Around the year 550, David attended a synod at Brevi in Cardiganshire. His contributions at the synod are said to have been the major cause for his election as primate of the Cambrian Church.
He was reportedly consecrated archbishop by the patriarch of Jerusalem while on a visit to the Holy Land. He also is said to have invoked a council that ended the last vestiges of Pelagianism. David died at his monastery in Menevia around the year 589, and his cult was approved in 1120 by Pope Callistus II. He is revered as the patron of Wales.
Undoubtedly, St. David was endowed with substantial qualities of spiritual leadership. What is more, many monasteries flourished as a result of his leadership and good example. His staunch adherence to monastic piety bespeaks a fine example for modern Christians seeking order and form in their prayer life.
Join the new media evangelization. Your tax-deductible gift allows Catholic.net to build a culture of life in our nation and throughout the world. Please help us promote the Church's new evangelization by donating to Catholic.net right now. God bless you for your generosity.
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Linux Supercomputer Roadrunner Takes Petaflops Hurdle
The Roadrunner supercomputer developed by IBM for the Department of Energy at the Los Alamos National Laboratory is the first to take the Petaflops hurdle of 1.026 billion operations per second.
The hybrid machine running on a Red Hat Linux-based operating system easily outpaces the previous leader in the Top500 list of the world's fastest supercomputers, BlueGene/L (478 Teraflops) again by IBM, which achieves just half of Roadrunner's performance Roadrunner will mainly be used for military research into nuclear weapons, with some capacity also being dedicated to researching the human genome and to weather simulations. The hybrid machine combines the Cell processor designed for the PlayStation with AMD x86 processors, with no less than 6948 dual-core Opteron chips installed. 12,960 Cell processors form part two of the machine, which has no less than 80 terabytes of memory, residing in 288 BladeCenter racks and occupying a floor space of 6000 square meters. The supercomputer is comparatively frugal with respect to power requirements, clocking up 376 million operations per watt. IBM expects Roadrunner to take one of the top notches in the list of green supercomputers. The investment in the project was around US$ 100 m says IBM.
Issue 168/2014
Buy this issue as a PDF
Tag Cloud
Mozilla Labs Shuts Down
Mozilla's product think tank sinks silently into history.
Internet Giants Launch Collaboration to Improve Open Source
TODO group will focus on open source tools in large-scale environments.
Fedora Announces New Partition Manager App
New tool will look like GParted but support a wider range of storage technologies.
Mozilla Releases a New Firefox
New public key pinning feature will help prevent man-in-the-middle attacks.
Tool Predicts Which Websites Will be Compromised
Carnegie Mellon researchers say 3 million pages could fall down the phishing hole in the next year.
SSH Key Management Guidelines
The US government rolls new best-practice rules for protecting SSH.
Knoppix 7.4 Released
Klaus Knopper announces the latest version of his iconic Live Linux system.
PHP Attack Puts WordPress and Drupal at Risk
All websites that use these popular CMS tools could be vulnerable to denial of service attacks if users don't install the updates.
Heartbleed Bleeds On
According to a report, many potential victims of the Heartbleed attack have patched their systems, but few have cleaned up the crime scene to protect themselves from the effects of a previous intrusion.
Drone Brain Goes Open Source
DARPA and NICTA release the code for the ultra-secure microkernel system used in aerial drones.


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The Mohawk Valley Resource Center for Refugees (MVRCR) resettles refugees from around the world in the Utica area. MVRCR seeks to teach refugees practical life skills and enhance their ability to integrate into society. They offer services to help immigrants and refugees adapt to their new neighborhood. These services include Resettlement, Immigration and Naturalization, English as a Second Language and Employment.
The Adult Learning Center at MVRCR provides English education to immigrants and refugees in the Utica area. The Center has ten ESOL classrooms at varying levels, which are staffed by experienced ESOL teachers from the Utica City School District. Project SHINE coaches assist these classrooms throughout the semester. Coaches provide a valuable service by offering individualized attention to learners. Coaches work on a variety of topics ranging from beginning English (alphabet and phonics) to more advanced writing and speaking.
BOCES is a statewide organization that allows school districts to pool resources to provide special services. BOCES Consortium of Continuing Education educates and trains adults and prepares them for the future. BOCES offers basic English classes to refugees and immigrants.
Carola teaches well-attended classes five days a week in the morning and afternoon. Bob teaches an evening class three days a week. Both afford coaches the opportunity to work one-on-one or with a small groups of learners.
The Newcomer Program serves refugees and immigrants who are between the ages of 17-21 years old who may no longer be eligible to enroll in a regular high school program and are not quite old enough to participate in the courses provided by the Adult Learning Center. In addition to offering English class, the Newcomer Program is dedicated to teaching academic courses that help students obtain their GED. Coaches spend time working with small groups of students or in the classroom supporting a lesson.


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BUST Magazine
Date: Thursday, May 28, 2009 - 4:00 pm
Duration: 3 Hours
Repeat Event: Every Day
With famous ladies from Comedy Central, VH1, MTV, The Late Show, HBO and also some of L.A.'s almost famous future stars,the night with a little video, a little improv and a little stand up will be A LOT OF FUN! Also lots of FREE GIVEAWAYS from BUST Magazine, Happy Clothing, Ultra Clothing, gift bags from Make Love Not Trash,and other prizes! Doors open 7:30 Show starts at 8:00 The Echoplex:1154 Glendale Boulevard,Los Angeles
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