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Network devices such as routers, access points and DSL modems are an integral part of today's home and small office networks. Typically, these devices will have been provided by a user's ISP or bought to extend a user's existing infrastructure and are usually managed by people who do not have any special technical knowledge. Often poorly configured and vulnerable, such devices are an easy target for network-based attacks, allowing cybercriminals to quickly and easily gain control over a network. Surprisingly perhaps, these seemingly innocuous devices can also offer a perfect hiding place for malware.
The weakest link in any IT security chain is in fact the user, and this holds true for network threats and devices also. It's obvious that a highly trained and competent administrator can provide resilient protection for most networks, while someone without the necessary experience and training can easily expose network users to significant risk. Big companies that manage huge numbers of users typically have expensive professional networking equipment and hire qualified and experienced network specialists. However, small businesses with 10-15 workstations can hardly be expected to buy expensive hardware and employ a network professional. Moreover, it cannot be assumed that those with a router or modem at home will be in the least bit familiar with network management - it's like expecting every single computer user to be an IT professional. Home users generally assume that everything will work just as it should, relying on a device's default settings without referring to complex technical manuals. Therefore network providers and hardware vendors need to be aware of their responsibilities in maintaining network security on the devices they sell.
Small, user-friendly network devices that simply need to be plugged into the network are becoming more and more popular. But how secure are their default settings? Can we use them without modifying their default configurations and still feel secure? Alas, in most of cases, the answer is no. Let's assume you don't change the default password on your newly purchased router. This could pose a great risk because the default passwords are usually widely known, and even if not, they tend to be quite simple to guess or to crack. This is the greatest weakness of small network equipment, but not the only one. Sometimes the manufacturer enables remote administration by default or even creates a hidden administrative account for use by technical support! Additionally, most modern household routers are UPnP-enabled, which means that in some cases they allow applications to change router settings without any authentication. This is sufficient to pwn the devices of non-technical users and careless professionals.
Unfortunately, even the most attentive user cannot ensure that their equipment is 100% secure. This is down to the numerous vulnerabilities in device firmware, especially in their web interfaces which are particularly prone to authentication bypass, XSS and CSRF attacks. This problem is not limited to devices found in homes and small offices - there are known exploits targeting professional networking equipment produced by several large vendors. Moreover, both users and vendors do not seem to be fully aware of the security issues and do not pay them enough attention. Even for firmware bugs that are easily fixed, updates for network devices are at best slow to be released and at worst left unresolved, and users do not usually care or are unaware of how to install these device updates. If there are implementation errors, it's impossible to eliminate them without making significant changes, so most of these defects persist for years.
Summarizing the previous paragraph, there are specific issues concerning network devices:
All these issues make a router/modem an easy target for cybercriminals. But why would someone want to attack a network device? The reason is always the same - money. Permanent and transparent network monitoring, data theft, redirecting users to malicious websites - having access to the router makes all of the above possible. Also, such devices can provide the perfect hideaway for malware, which may transparently reinfect connected computers or build a huge botnet from infected devices.
So while the above is fresh in our minds, let's recall the possible consequences of unauthorized router access:
Most of the above issues are associated with targeted attacks, but not many people know that they are often related to malware. At present, it seems that the most interesting thing for cybercriminals is the changing of DNS settings and the creation of DDoS capable botnets, but there are far more possibilities, like extracting valuable data from captured traffic, hiding PC malware inside a router's RAM or spreading router ransomware. The sky is the limit, as they say.
The process of URL to IP mapping is crucial to the security of users who browse the Internet. If these settings are nefariously modified, known and trusted URLs may be associated with rogue IP addresses and thus a user might be exposed to phishing, exploits or other malicious websites. This redirection is completely transparent from the user's point of view: they just type the URL into the browser and wait to see the expected content. It only takes one malicious change – it's not hard to imagine how devastating the damage caused by a rogue DNS server can be.
The process of changing URL -> IP associations is widely known as pharming. First to use this attack were Trojans altering the Windows hosts file. The second step in the evolution of this method was changing DNS addresses in the Windows registry. A more sophisticated piece of malware that used this attack vector appeared in 2007 in the shape of the Zlob/DNSChanger Trojan. Apart from modifying registry settings, this malware checks if the router is connected to an infected computer, and if so, tries to gain access by brute forcing the password and then altering its DNS servers.
How can a user protect themself from such attacks? Well, in this case the answer is simple:
The situation gets more complicated when the attack is conducted without the use of malware installed on a user's computer. Such a situation occurred at the beginning of 2011, when a targeted attack was conducted against an ISP company. Lots of customers' modems were compromised by changing their DNS settings, probably via a hidden administrative account meant for remote technical support, implemented on each device. The attack probably included some kind of automation component which was deleted from the devices after the DNS changes were applied. In such cases a user is effectively powerless. The ISP should ensure the security of modems/routers before providing them to their customers, especially in terms of access passwords and remote access. Connections from a WAN should be prohibited by default and any IP addresses able to establish a remote connection should be strictly specified.
This technique was described in the proof-of-concept paper by researchers from the University of Indiana in 2006. The first in-the-wild drive-by pharming attack occurred one year later in Mexico and targeted the CSRF vulnerability of 2Wire routers. An email infected with an exploit was spammed to millions of users with the main goal of stealing online banking credentials. The exploit consisted of a request to the router's web interface to change the IP association of the www.banamex.com URL to a malicious address. Once the user visited their online banking website, they were transparently redirected to a phishing site. This site was of course almost the same as the original one, except for an additional field: NetKey. Suffice it to say that NetKey is a randomly generated value used for authorizing online transactions in this bank.
Figure 2: Phishing site (Source: blog.hispasec.com)
Similar attacks continued to occur for months afterwards, but not every email was malicious - sometimes a CSRF attack followed right after a user clicked the malicious link and was redirected to a malicious website.
As this vulnerability is more an implementation issue, it is not possible for the user to eliminate it unless there is a firmware update available. From the vendor's side, there are relatively few solutions available for fixing the problem. One of them is to use a unique token which is sent along with a request as a hidden form value.
The previously mentioned attack was only possible if there was no router password set or if the user was logged into the web interface when the attack occurred. Essentially, it means that people who have set strong and unique passwords on their devices are at less risk. But what if there is a method that allows the router's settings to be changed without any authentication at all?
Universal Plug and Play is a set of protocols that simplifies cooperation between networked devices such as PCs, printers, phones, routers/modems and access points, etc. It specifies rules about how these devices automatically discover each other and establish communication. Once connected to the network, a device that is UPnP enabled does not require any user intervention to set up a working configuration. Great for the non-technical user, but as with pretty much everything designated 'user-friendly' - it is rarely good from the security point of view. Suffice it to say that UPnP does not offer any authentication method and thus it does not need any credentials to perform administrative actions such as changing a device's crucial settings. Moreover, most contemporary routers/modems have UPnP enabled by default.
Let's take a look at how UPnP works in detail:
As this is a serious implementation problem concerning UPnP and to a lesser extent, Flash format design, this is not easily rectifiable by either the user or the vendor. Of course, we can simply switch UPnP off - thereby solving the issue immediately - but that is a fairly primitive solution. Manually configuring every device in the network and every application that uses networking resources would be tiresome, if not impossible in many cases. The only way is to re-write the UPnP specification to include a strong authentication method. A temporary solution that users might consider is to disable Flash in their browsers, but this does not provide 100% assurance as there may be other ways to exploit the UPnP vulnerability without using Flash.
Simple Network Management Protocol is designed to provide centralized management of all devices in the network. Although not always implemented in household devices, its weaknesses are worth mentioning as it can be used as another vector of attack.
SNMP consist of three elements:
All messages contain a so-called community string, which acts as a kind of password to ensure that the communication is trusted and to distinguish between read-write and read-only rights. But here is where the SNMP protection comes to an end. There is no encryption available, so even the community string is sent in plain text. Moreover, the default strings are widely-known and extremely weak - there is no string change enforcement either. However, the worst is yet to come: a lot of devices have SNMP enabled by default despite most users not even being aware of SNMP's existence! It's like a hidden feature which - in some cases - may act as a backdoor as well. These issues are enough to allow a successful attack on a router with SNMP enabled and a default or weak community string.
Once an attacker is able to use SNMP requests on the router, they will have plenty of possibilities to obtain information and play with the device's settings. On some devices modifying crucial settings may not be possible via SNMP even if write access is enabled, but an SNMP injection attack can still be used successfully. This kind of attack injects malicious code into the HTML pages of a web interface and thus silently redirects users to phishing or infected websites or performs other actions like CSRF attacks.
Figure 3: SNMP – having community string set to default may result in code injection into the web interface of the router
As this is once again an implementation issue, it means that SNMP security is not in the hands of users. Although the recent version of the SNMP specification (SNMPv3) partially addresses these insecurities by adding encryption to the messages, its designers decided to change some conceptual elements and thus this version is not widely supported by the major hardware vendors. This is a very important and immediate problem, especially where business networks are involved, and vendors should be paying close attention to this as they are putting their customers at risk.
If you are thinking of buying new network equipment for your office and you need it to be SNMP-enabled, it is a good idea to look for something that supports SNMPv3. Generally speaking, in the context of a small home network SNMP is practically useless. Thus if your household router has SNMP enabled, the best thing to do is to disable it unless you really need to use it. In such a case, changing the default community string to a long and non-dictionary phrase is absolutely essential.
The first known router malware that operated automatically appeared in 2008 in the form of an open-source tool. It was managed by IRC and its main purpose was to access routers using brute force methods for the purposes of performing DDoS attacks. Getting access to the router was possible by either using a built-in list of default passwords or with the use of a D-Link authentication bypass exploit.
Figure 4: Part of Readme file, distributed with Hydra sources
Before compiling the code, the malicious user had to edit one of the source files in order to provide the URL address of the C&C IRC server as well as the link to download the malicious binary.
The tool was published on the author's blog in April 2011, but had been doing the rounds on underground forums since 2008. All further MIPS malware found in the wild is more or less based on Hydra.
Psyb0t is the first in-the-wild binary malware infecting network devices themselves. It was discovered by the Australian researcher Terry Baume in January 2009, when he noticed strange attempted attacks in his firewall logs. It drew still more attention in March of the same year when a botnet consisting of infected routers performed a DDoS attack on the DroneBL portal.
Basically, Psyb0t is an IRC bot which connects to the server, joins the channel and looks up the topic for commands. When it was discovered and the bot was still active, the command included in the topic was to scan all devices in the network and try to gain access to routers/modems by using the default username and password, or if unsuccessful, a password gained through a known authentication bypass exploit. This meant that the malware self-proliferated across the network, infecting all vulnerable devices as it went. Apart from code for proliferating, Psyb0t also contains numerous commands for initiating various types of DDoS attacks, brute forcing the router password, executing shell commands and brute forcing access to other services like MySQL, PHP MyAdmin, FTP servers, SMB shares, etc. As the router firmware is usually read-only, Psyb0t resides exclusively in RAM and a simple reboot results in the machine being disinfected. Nevertheless, vulnerable devices will be re-infected all over again unless the password has been changed and/or the firmware upgraded to the patched version.
Growth in public interest was probably the reason why its creator deactivated the botnet. On 22 March, 2009, the creator changed commands in the IRC channel topic to make all bots kill their processes and exit. He also left a message in the topic saying that the botnet reached 80 thousand infected machines and suggesting that the purpose was research-oriented, a claim which is fairly dubious.
Psyb0t was designed to work on Linux-based systems running on the MIPSel platform (e.g. OpenWRT, DD-WRT, MontaVista Linux, VxWorks, etc.). MIPSel is a RISC architecture with little endian encoding and is mainly used in embedded devices. Unlike ARM, which is the main platform for mobile phones and mobile devices, MIPS/MIPSel is at the core of most contemporary network equipment.
The binary itself was packed with the UPX packer, although the headers had been corrupted in order to impede analysis. Actually, it is more like a primitive obfuscation than a real anti-reversing technique. To unpack the file with the standard UPX unpacker, one just needed to fix the headers by inserting the missing "UPX!" string in the proper places.
Figure 5: Psyb0t - corrupted UPX header
Some of the strings inside the file were obfuscated in order to keep them secret, if only for a short while. Here's what some of these strings look like before decryption:
Figure 6: Psyb0t - encrypted strings
...and after:
Figure 7: Psyb0t - decrypted commands
The decryption routine is simple: it takes a specific key, which is hardcoded into the binary, and subtracts each subsequent byte of the key from each subsequent byte of the encrypted string.
Figure 8: Psyb0t - decryption routine
The very first thing the bot does after joining the IRC channel is to check the commands in the topic. The most important command here is the scan command, or its variants: rscan, lscan and rlscan. It issues a search for network devices in a specified address range and attempts to login using the default username and password (root/[Aa]dmin). If the attempt is unsuccessful, the bot tries to use the exploit code to retrieve the password from the device's configuration file. It exploits the authentication bypass vulnerability in the web interface by sending a specially crafted request to the cgi-bin/firmwarecfg, which results in the malicious user receiving the entire contents of the configuration file, including the password in plain text. This vulnerability concerns several different devices, of which D-Link and Telecom are but two, and although it was fixed in newer versions users who have older hardware are still vulnerable to such attacks.
Figure 9: Psyb0t - authentication bypass exploit
After gaining access to the shell, Psyb0t searches the list of running processes looking for its own process. If the router is not infected already, Psyb0t uses either wget or tftp to download its body from the server and execute it. Next it sends a message about the successful attack to the botnet owner and goes on to the next host.
The first thing the newly-launched process does is to create a zero-sized file called udhcpc.mtx, the extension mtx probably being an abbreviation of mutex. It then decrypts certain strings before disappearing into the background where it executes the following commands:
It creates a backup copy of the /var/tmp/hosts file, connects to the password-protected IRC server and joins the #mipsel channel with a randomly-generated nickname consisting of [NIP] - prefix and nine random letters and numbers. If the reply from the server is ERR_NOMOTD, the bot also sets the channel modes.
Figure 10: Psyb0t - connecting to the IRC server
Figure 11: Psyb0t - joining IRC channel
Figure 12: Psyb0t - setting channel modes
The bot performs commands included in the channel topic and loops, waiting for other commands that may be sent in private messages.
Here is the complete list of commands that this version of the bot is capable of interpreting:
In most cases the command names are self-explanatory. We have some IRC-related commands (login, logout, rejoin, silent, mode), malware self-management commands (kill, killall, exit, sleep, upgrade, wupgrade, ver, report, split, *sel) and system information acquisition commands (tlist, getip, getinfo, uptime, viri). Additionally, it has the capacity to download additional files (wget), visit specified web pages (visit), modify the hosts file (spoof) and execute system commands. Probably the most interesting commands, however, are the DDoS-related ones which are used for SYN, UDP and ICMP attacks (*flood), plus various scan commands. Apart from the standard scan command and its variants described above, there is a group of commands that all use the same routine inside the file, with each command performing a specific action: pscan activates port scanning, r00t makes an attempt to brute force a device's access password, while the fscan, sql, pma and smb commands perform the same attacks against FTP server, SQL server, PHP MyAdmin panel and SMB respectively.
Figure 13: Psyb0t - password used for brute force attacks
Although the Psyb0t botnet was shut down in late March 2009, this is not the end of the router malware story. A few months later, in December 2009, researchers from the Masaryk University located in the Czech Republic discovered another router IRC bot which in many ways reminded us of Psyb0t. The C&C centre of this new botnet was located in Italy and the strings and function names inside the malicious binaries also indicate that the code is of Italian origin. The malware contained the text ''In nome di Chuck Norris", a phrase which occurs several times in the code, and thus the botnet's nickname became ''Chuck Norris''. Kaspersky Lab's signature for this malware is Trojan.Linux.Uteltend, which comes from another string in the file - a command used to prevent the utelnetd service from running on an infected machine.
Figure 14: Chuck Norris - some strings inside the binary
Let's look first at what Chuck Norris and Psyb0t binaries have in common:
Chuck Norris consists of more than one file. The main binary performs a port scan using a Linux tool called pscan and a range of IP addresses taken from either the ip.txt file on the router, if it exists, or from a list encoded into the binary:
Figure 15: Chuck Norris - IP ranges
It then tries a brute force access of each network device using a set of default passwords. The command it executes afterwards is also stored in encrypted form:
Figure 16: Chuck Norris – decrypting the commands
The name of the main binary is syslgd and it imitates the name of a legitimate Linux process - syslogd - which is responsible for logging system messages. This is an attempt- albeit a very primitive one - to mask itself in the system. Additionally, this command causes the malware to try to download the small SSH server/client which is compiled especially for MIPS architecture. Among the other components found on the malicious server there was a binary with IRC bot functionality that is detected by Kaspersky Lab as Backdoor.Linux.IrcShell.c, and a Linux Trojan compiled for MIPS architecture (Trojan.Linux.Small.e).
Figure 17: Tsunami – decrypting channel name and password
Figure 18: Tsunami - IP addresses
One new thing that we hadn't seen in any of the previous x86 Tsunami versions, or indeed Chuck Norris, were attempts to change the DNS settings – in this particular sample the name servers were set to Open DNS addresses - and it blocked a range of ports from 22 through to 80:
Figure 19: Tsunami – blocking ports, changing DNS
Tsunami bot commands are easily readable thanks to the bot's built-in help. Most of these commands are renamed or modified Kaiten commands:
As all the above mentioned binary malware only resides in RAM it is easy enough to disinfect the device. However, just restarting the router means that it is highly likely that the router will be re-infected. The most important things to do in order to protect the router are to change the password, secure the router's settings and update the firmware to the latest version.
Isn't it all just a lot of fuss about nothing?
In summary, over the last 4 years the MIPS platform has seen a few drive-by pharming attacks and a handful of malware incidents. Not that much compared to other platforms, even mobile ones, so why the hue and cry? Why is the topic still important?
First of all, if something has already been invented and has been seen in-the-wild more than once, it's very likely to occur again and again, especially if the attacks were profitable for the cybercriminals. As we recall from history, the beginnings of malware for each platform seem to be similar. For example, right now the numbers of malicious files for mobile and 64-bit platforms are still minute compared with x86 malware, but no one can deny that they are growing fast and will probably dominate the malware market once the older architectures fade away.
Attacks via MIPS devices are relatively new and have enormous potential to do significant damage. Let's take a look at some of the reasons why malware for network devices could become a major issue:
Another thing worth mentioning when talking about the scope of the MIPS malware threat is that it's actually very difficult to track how widely spread such malware really is. Up until now, those cases that were detected were discovered accidentally when they affected security researchers themselves. The average home user with little or no knowledge of network security has almost no chance of detecting such malware unaided. This poses a question: how many MIPS botnets continue to operate undetected? Also, if the only goal of the cybercriminal is to change the DNS settings, it doesn't require malware to constantly run on the device. A malicious process can exit just as soon as it has applied its configuration changes, leaving the device apparently uninfected. This approach would make the process of tracking attacks even more difficult. It seems like a very interesting area for further research.
What can be done to reduce the security risk?
Users should ensure that they use strong passwords, check their security settings and update their firmware and any relevant software regularly – at present, these are the only things they can really do. The rest is squarely in the hands of the vendors - the only people who can change the devices' designs. The first step should be to implement randomly-generated default passwords, unique for each single device. Some vendors already do this. Also, some newer devices have many more secured settings than their predecessors - which do not allow remote access with default credentials. However, there is still a lot of work to be done. UPnP implementation needs to be rewritten and SNMP should be used in its secured version only. Greater emphasis should be placed on firmware vulnerabilities and firmware security, so every device should be thoroughly security tested before being released.
What does the future hold?
All malware evolves and multiplies and we must expect MIPS malware to follow this pattern too. Here are some predictions that I made while writing this article:
As they say, the sky is the limit. Let's see how the situation changes in the next few years. Most importantly though, let's not be passive about this – it's not too late to change the way in which network device security evolves.
3 comments
2011 Sep 08, 14:33
Impressive article...
...not to mention timely!
2012 May 15, 23:05
Firmware infection?
I am seeing some strange things with a router provided by the ISP and wondered if the firmware had been altered or replaced. The symptoms do not change when the router is reset.
2012 Jun 13, 19:53
Our analysis on Hydra
Over at Insecurety Research, we obtained the source of Hydra and a sample of Psyb0t, both of which are undergoing continuing analysis work as we are looking for things other vendors have missed. We also would love any more samples you guys have of router malware (Chuck Norris, etc), even if they are just variants of the Hydra kit.


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David Guetta
Guetta's carefree attitude -- that he only produces good music while he's having casual fun -- kept the DJ from releasing anything until 2001's "Just a Little More Love." The track featured American gospel singer Chris Willis, who met Guetta while on vacation in France. Another slow burner, "Just a Little More Love," kept popping up in sets for the next two years, first in an electro version and later in a pumped-up Wally Lopez remix. During this time, Guetta snuck out a bootleg remix of David Bowie's "Heroes," retitled "Just for One Day." Bowie gave the go-ahead to release the track officially, and Guetta soon had a massive hit on his hands. Guetta featured the liberated boot on his first mix CD, F**k Me I'm Famous, named after Guetta's successful Ibiza-based party.
The fun-loving slacker DJ finally got around to releasing a collection of his own productions in 2004, Just a Little More Love on Astralwerks. Guetta Blaster arrived that same year, followed by Poplife in 2007. Chris Willis sang lead vocals on the latter album, which spun off multiple dance singles in multiple countries. F**k Me I'm Famous: International, Vol. 2 was then released in July 2008, giving listeners a taste of the stylish sounds that orchestrated Guetta's summer club events in Ibiza. A year later he released One Love, a platinum-selling album featuring the singles "When Love Takes Over" with Kelly Rowland, Sexy B**ch with Akon, and "Gettin' Over" with Chris Willis.
In 2010 Guetta received five nominations at the 52nd Grammy Awards, two of them related to the One Love album and the other three for his work on the Black Eyed Peas massive worldwide hit I Gotta Feeling. That same year, One Love was reissued as One More Love, featuring a bonus disc of remixes and new tracks. A superstar guest list -- featuring Akon, Lil Wayne, Flo Rida, Usher, Chris Brown, and others -- would figure into his 2011 release Nothing But the Beat, but this time the DJs songwriting was inspired by dramatic rock bands like Coldplay. ~ David Jeffries, Rovi
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Track List: Nothing But The Beat
Track List: One More Love (Explicit)
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Track List: Nothing But The Beat (Disc 2: Electronic Album)
Track List: She Shot Me Down Big Beat / Atlantic
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Track List: The World Is Mine (Single)
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(if you already liked the songs then ignore step 2)


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This discussion is for us to discuss questions and answers, information discovered, etc, about the the hotel / lodging tax, also known as the Transient Occupancy Tax (TOT) (currently set at 14%), and the Tourism Improvement District (TID) Fees (currently either 1% or 2%, depending on your geographic location) in San Francisco.
Many people question whether we need to pay these so-called "hotel taxes" when we are operating vacation rentals or guest rooms; we are not hotels in the traditional sense of the word.
Also, the San Francisco Treasurer's web site is very unclear about this stuff. So it makes it difficult to find answers.
Another problem is that there appears to be no enforcement at all of the city's regulations regarding the hotel tax. So .. if there's no enforcement, what's the point of paying the tax? Would you drive under the speed limit if there was never a chance of getting a speeding ticket? Heck, would you even pay your income tax if you thought nobody in the government really cared?
Does the City's lack of enforcement create an unfair business environment for those who pay the hotel tax and those who do not? Can the City of San Francisco be held legally responsible for creating this unfair business environment?
There are all questions we can discuss here. Feel free to add your own issues or other ideas to the discussion.
Regarding the hotel tax (TOT) and TID fees ... from what I have seen on the listings, it seems that many vacation home owners in San Francisco are not charging these taxes and fees to their guests and are not remitting the taxes and fees to the City.
In my neighborhood, we started a network of vacation home owners where we get together and talk about issues. One thing I have heard, from my neighbors, is that people figure that they don't need to pay the hotel tax because they never registered as a Business. The problem is, it's the other way around. You need to pay hotel tax if accepting stays of 29 days or less; therefore, in order to pay it, you must register as a business.
That's per regulations. Now what about per "real life" ? I have talked with one member of the City Council as well as four different people in the Tax Assessor's Office. The people in the Tax Assessor's office say that yes, you are required to pay these fees, and if you don't pay them you will get all sorts of penalties assessed against you. BUT: they do not have any staff in the hotel tax payment section of the Tax Assessor's office assigned to enforcement. This is what they actually told me over the phone. (The guys from City Council said it was an important issue and had one of his staffers send me a couple e-mail's, but they never answered my question.)
So! We have people who have been operating their vacation rental for 10 years or so ... and have never paid hotel tax, and no one from the City has ever cared. Will the City ever start to care? We don't know.
Also, could it be that our attorney has interpreted the regulations incorrectly, and that the Tax Assesors Office gave me the wrong information also, and that in fact, we really ARE NOT required to pay hotel tax, per regulation?
This is a place for us to discuss these kinds of questions.
If you're one of the many vacation rental owners who are not paying hotel tax, don't worry ... I personally am not trying to do any kind of witch hunt here. Anyway, it's very easy to see from your web site and listing, whether you are sending in the hotel tax or not. It's no secret. Personally, I blame the City for the lack of information on this issue ... the regulations are ABSOLUTELY NOT clearly explained on the City of San Francisco web site. It's not your fault. And besides, we have no idea if the City will ever start enforcing the hotel tax, so it may be that you will never have to pay it.
If you want to be anonymous on this forum, why not pick an anonymous username. This way, you can post whatever you want, and no one will be able to connect you or your vacation rental to the username. In other words, DON'T PICK a name that is the same as your web site URL, the way I have done!
I know it's a bummer to hear about the hotel tax, which means less money coming in for us, since all the guests are looking for a bargain and price point. But I believe it's good for all of us to know what the regulations actually are. This way, if the City ever does start enforcing the hotel tax, none of us will be caught off guard or surprised.
So, I am unclear about the hotel tax thing as it relates to the taxes we pay (and losses we deduct) when our unit is vacant? If I understand my accountant correctly, it makes sense to stay above board, pay the tax, and then deduct losses from our other income. Since we are just starting out, our unit will be vacant much of the time so it makes sense to take a loss and get a break on other taxes. Is anyone doing this? Is it cost effective?
sfrental wrote:
So, I am unclear about the hotel tax thing as it relates to the taxes we pay (and losses we deduct) when our unit is vacant? If I understand my accountant correctly, it makes sense to stay above board, pay the tax, and then deduct losses from our other income. Since we are just starting out, our unit will be vacant much of the time so it makes sense to take a loss and get a break on other taxes. Is anyone doing this? Is it cost effective?
Note that the hotel tax / TID fees are a percentage (14% + 1% or 2%) of the occupancy fees / rent, and the hotel tax / TID fees are PAID BY THE GUESTS WHO ARE STAYING AT YOUR PLACE.
So .... whenever your apartment is unoccupied, I assume there is no one paying occupancy fees / rent to stay there ... and that means you won't be collecting any hotel taxes / TID fees for the nights when the apartment is unoccupied.
For example ..
Last year (2011) we had about 1 month that was unoccupied (January), so there was very little hotel income received, and therefore very little hotel tax / tid fees paid for that month. Then we had 9 months booked solid with short-term (less than 30 days) rentals, and our guests paid about $4500 in hotel taxes/ tid fees. Then we had 2 more months which were booked solid with a 30+ day long-term rental (actually 4 months extending into 2012), so there were no hotel tax / tid fees collected on those last 2 months. In the end, we collected about $4500 in taxes / TID fees from our guests, for 9 months of short-term rentals in 2011, and we submitted these amounts to the City of S.F. Treasurer's Office.
(Imagine if we had booked it with short-term rentals for 12 months ... it would have been $6000 extra income for the city !!! This is income the city never expected to receive. The city should be totally loving the short-term / vaction rental business, I do say !!! )
So on Schedule E - Rental Expenses, there is a line for taxes, and we had something like $8500 on that line.
Because it was about $4000 for the property taxes and $4500 for the hotel tax / TID fees ... all of these were taxes that we paid for the vacation rental property during 2011.
sfrental, hope this info helps you !
For anyone isn't paying the hotel tax for short-term rentals and wants to learn how to do it, here is some info that may help you.
Assuming you are accepting stays of 29 days or less, then you DO need to pay the hotel tax.
And that means you DO need a business license.
The business registration costs $25.00 per year.
According to the new Year 2011 rules, the $25.00 business license renewal fee is due on or before:
May 31 of each year. If you start up your business AFTER May 31, then you just pay $25.00 on the day you get started. You may have to pay an extra $25 for the previous fiscal year, too, if you happen to be starting your business in June (in limbo between 2 fiscal years).
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The Student Government Association (SGA) is the governing organization for all students at the University of Baltimore. The UBSGA listens to students and work together with other UB governing bodies to improve the UB community.
Student Events Board (SEB) is the student programming committee at UB. Funded by student activities fees, SEB leaders are responsible for planning, promoting and executing events and programs for UB. Interested in event planning or think there is "nothing to do on campus," SEB is the place for you!


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124 Royal Street, New Orleans, LA | Directions 7013029.953442 -90.068800
Open Daily 24 Hours ; Open Holidays
Neighborhoods: French Quarter - CBD, Central Business District
A good place to spend a few reckless days on a budget – Stayed here during the Mardi Gras. It gets crowded during festivities so the service left much to be desired however the location is very convenient if you want to experience the french quarter. With little more than a blocks walk to bourbon street and a straight shot to the city center and the riverfront you can see all the french quarter has to offer. The best way to describe the Royal Street holiday inn would be accommodating.
Things have changed.. – The first time I ever came to NOLA, I stayed here. We won the airfare and hotel stay at this hotel. In 2004 it was really nice. We got here this Thursday and I am writing the review in the room now. Thursday night I saw a small black beetle like insect (if you know what I mean, Citysearch flags the real word) on the desk here. The kind that indicates lack of cleanliness. Its been like pulling teeth to get our room cleaned, or any fresh towels. We had to make a call to the front desk to remind them to clean today. The Checkered Parrot Restaurant (formerly TGI Friday's the last time I stayed here) had equally bad service and the food wasn't wonderful. It took forever for them to take and fill our breakfast order Friday morning and they kept forgetting things. Parking is easy, as it is a garage right here at the hotel. The automated parking card is also a plus. I'd say this place has really gone downhill in the last few years.
POOR customer Service!! – VERY poor customer service! Took four phone calls, last one to the manager on duty to get a trash can for the room. My brothers room didnt have toilet paper. There was a cover off of his phone (Room #1003). We were in Room #1012 and no phone books, no room service menu, no trash can. Cute advertisement suggested we call Ext #2164 to specifically request one of four pillow types for our bed. Never did receive them! Room however was clean. There are a quick turnaround hotel so they will not honor late checkout requests. Also very hard to get a room before 5pm on the day you checkin. Would not return here. We loved the Chateau Sonesta on Bourbon Street where we stayed last Fall. They were just booked up this time.
For more than 50 years, this hotel's familiar green sign has signaled budget-friendly lodging for families and business travelers. – In Short
Since its 1952 debut in Memphis, Tenn., Holiday Inn has become one of the most recognized hotel brands in the world. Kids rule here: Children age 19 and younger stay for free when sharing a parent's room and as many as four children per family (age 12 or younger) eat for free at hotel restaurants. Other amenities include 24-hour business services, an in-room coffeemaker, iron, hair dryer, room service, a swimming pool and a fitness center.
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On Susan's first date with Ian, his in-laws show up at the same restaurant. So as not to alarm them, he introduces Susan as "Dr. Mayer." She fakes an emergency phone call to make her escape when they start peppering her with medical questions.
She tells Ian they should just be friends and he says he thinks of her as more than a friend, so she replies she can't see him anymore.
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New Student Institute (NSI) is a required orientation program to welcome incoming students and their parents. We've been working hard to plan fun, informative, and meaningful events for both family and students. Each student will connect with upperclassmen, faculty, staff, and other peers in a family group setting enabling new friendships within the student body. New Student Institute, which begins on Friday, August 16th, will help you feel welcome, get settled in, and get ready for your first year as a student at SNU.
Orientation and Housing Check-In: Orientation Check-in is from 9am-2pm at the Centennial Plaza in front of the Webster Commons on Friday, August 16th. 2013.
Housing Check-in is from 8am-1pm at each students' Residence Hall on campus. *Family includes parents, siblings, and any other guests attending orientation to support their SNU student.
For more information, view the complete NSI Schedule.
Friday, August 16th- Sunday, August 20th 2013
What is a Family Group?
The NSI Office is located in the basement of the Webster Commons. You can also contact our office by phone or e-mail.
Director for Student Success
Office of Student Development
Support | Emergency Info | Contact


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Dungeon Siege 3 Trailers & Videos for PS3On: PS3, Xbox 360, PC Check Price
TV Spot
Welcome back couch co-op!
Launch Trailer
Available on PC, PlayStation 3 and Xbox 360 from Friday, June 17.
Demo Trailer
Download the demo for PC from Tuesday, June 7.
Spells and Empowerments Trailer
Learn about the spells and powers of each character.
Co-Op Trailer
Seamless drop-in, drop-out co-op multiplayer for up to four players.
Reinhart Character Vignette
As a scholar of arcane magic, Reinhart Manx bends the forces of creation and destruction to his will.
Katarina Character Vignette
Katarina weilds the power of long range combat and magic for the ultimate offensive presence.
Loyalty Trailer
Loyalty lights the way.
Gameplay Trailer
A first look at Dungeon Siege 3 in action.


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A lymph node biopsy is the removal of lymph node tissue for examination under a microscope.
The lymph nodes are small glands that make white blood cells (lymphocytes), which fight infection. Lymph nodes may trap the germs that are causing an infection. Cancer often spreads to lymph nodes.
Biopsy - lymph nodes; Open lymph node biopsy; Fine needle aspiration biopsy; Sentinel lymph node biopsy
A lymph node biopsy is done in an operating room in a hospital, or at an outpatient surgical center. The biopsy may be done in different ways.
An open biopsy is surgery to remove all or part of the lymph node.
For some cancers, a special way of finding the best lymph node to biopsy is used. This is called sentinal lymph node biopsy, and it involves:
The sample is then sent to the laboratory for examination.
A needle biopsy involves inserting a needle into a lymph node. This type of biopsy is done less often because the results are not as helpful as with an open biopsy.
Tell your health care provider:
Your doctor may ask you to:
You must sign a consent form.
When the local anesthetic is injected, you will feel a prick and a mild stinging sensation. The biopsy site will be sore for a few days after the test.
After an open biopsy, the pain is mild and you can easily control it with an over-the-counter pain medication. You may also notice some bruising or fluid leaking for a few days. The wound should heal in 10 - 14 days. During this time, avoid any type of intense exercise or heavy lifting.
The test is used to diagnose cancer, sarcoidosis, or an infection (such as tuberculosis):
The results of the biopsy help your doctor decide on further tests and treatments.
If a lymph node biopsy does not show any signs of cancer, it is more likely that other lymph nodes nearby are also cancer-free. This information can help the health care provider decide about further tests and treatments.
Abnormal results may be due to many different conditions, from very mild infections to cancer.
For example, enlarged lymph nodes may be due to:
Hunt KK, Green MC, Buchholz TA. Diseases of the breast. In: Townsend CM, Beauchamp RD, Evers BM, Mattox KL, eds. Sabiston Textbook of Surgery. 19th ed. Philadelphia, Pa: Sauners Elsevier; 2012:36.
McMasters KM, Urist MM. Melanoma and cutaneous malignancies. In: Townsend CM, Beauchamp RD, Evers BM, Mattox KL, eds. Sabiston Textbook of Surgery. 19th ed. Philadelphia, Pa: Sauners Elsevier; 2012:32.
Last reviewed 7/10/2012 by Shabir Bhimji, MD, PhD, Specializing in Cardiothoracic and Vascular Surgery, Midland, TX. Review provided by VeriMed Healthcare Network. Also reviewed by David Zieve, MD, MHA, Medical Director, A.D.A.M. Health Solutions, Ebix, Inc.
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- Seasonal (22)
Bursting with colorful blooms, this easy wreath is easy for kids to make and pretty to hang on any door or window.
Watch Dora Every Day on Nick Jr.
Snip the flower stems and leaves so that they are only about 1 to 3 inches long. It's ideal to create a slightly varied height of the flowers and leaves.
Kids press the stems into the polystyrene, alternating colors as they go.
On the outside and inside of the wreath form, add the ribbon with either straight pins (parents only) or craft glue.
Print the Dora image and "Welcome Spring" message, and cut it out.
Cut a piece of colored foamie or construction paper that covers up the hollow circle. Glue the Dora image onto the foamie/paper, and then glue or pin the foamie/paper to the back of the wreath form. Trim away edges as needed. Pick your own color for the foamie based on your color choice of flowers.
Add a small loop of wire for hanging.
To avoid the cost of artificial bouquets and to get your preschooler more involved in making the craft, make a Dora Paper Flowers Wreath instead.
Make a door sign that will bloom in any room!
Shower your little flower with quality crafting time!
Make this simple cut-and fold-card before Easter!
Make a colorful Dora craft that's inspired by spring!
Perfect for catching springtime breezes, this is no garden-variety kite!
Get kids ready for Easter egg hunts by crafting a beautiful basket!
Turn a cereal box into a craft that will aMAZE your kids!
It's paper dolls with a modern twist!
Tick, tock, Dora and Boots are inside this clock!
Turn a cereal box into a cute storage box for kids
Kids will be blown away by this beautiful outdoor decoration!
Invite your child's favorite Nick Jr. friends to the kids table with this printable craft
The race is on between Dora and the Ice Witch!
Greet visitors with a colorful display featuring your child's Nick Jr. friends
Make a plain t-shirt or tote spectacular by adding our exclusive Dora decal
Create your very own trick-or-treat bag with Dora!
Kids can help get ready for the feast by adding color to this printable centerpiece!
To celebrate Hispanic Heritage month Dora tours Latin America
Customize kids' skates with an amazing shrink film craft
Gear up for Dora's Great Roller Skate Adventure with this exclusive t-shirt design!
If kids can't wait to skate, create this cereal box playground!
Make a new memory game in minutes with our easy printable templates
This goody bag is dressed up for Dad's special day!
Dress up cones with cute Nick Jr. characters!
Make this simple paper puppet and play fetch with Dora's little puppy!
Make lollipops even sweeter with these a-DORA-ble covers
Make a do-together craft kids can proudly display on their door
Who's that peeking out of Benny's barn? Paste a photo & surprise your little pop star
Help Dora and her friends find their way to the party at Benny's barn!
Turn a cereal box into a barnyard and host a big bash with Benny & friends!
Add some Easter cheer to your home with these egg wreaths!
Make a door sign that will bloom in any room!
Shower your little flower with quality crafting time!
Create this simple paper basket and make it a Hoppy Easter!
Spring into action to create a high-flying hanging craft
Add some blooms to your kids' rooms with their favorite guppies!
Make a colorful Dora craft that's inspired by spring!
Make this mobile and swing into spring!
Show your kids how to tell time with this paper plate peek-a-boo clock!
This eco-friendly house shows some "serious" courtesy to your little feathered friends
Crafty kids' kites made from paper bags
Kai-lan and friends are preparing for spring. Watch their garden grow!
Adorn your table with this easy, eye-popping Backyardigans craft
Perfect for catching springtime breezes, this is no garden-variety kite!
Make a bunch of beautiful blooms for Mom!
If you're a rockin' mom, make matching tees to wear with your little rockstar!
Make tropical music with the sounds of the rain forest
Plant the seeds of future growth with this easy Diego craft
A handy case with a friendly face!
Rescue an old T-shirt and recycle it into a comfy Diego pro-green snuggle pillow
Dora says, "Let's go green!" And by recycling an old T-shirt, you can make a huggable snuggle pillow


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ON THIS PAGE: You will find some questions to ask your doctor or other members of your health care team, to help you better understand your diagnosis, treatment plan, and overall care. To see other pages in this guide, use the colored boxes on the right side of your screen, or click "Next" at the bottom.
Talking often with the doctor is important to make informed decisions about your health care. These suggested questions are a starting point to help you learn more about your cancer care and treatment. You are also encouraged to ask additional questions that are important to you. You may want to print this list and bring it to your next appointment, or download Cancer.Net's free mobile app for an e-list and other interactive tools to manage your care.
- What is the stage of my disease? What does this mean?
- Can you explain my pathology report (laboratory test results) to me?
- What are my treatment options?
- What clinical trials are open to me?
- Can chemotherapy control my cancer?
- What is the goal of each treatment? Is it to eliminate the cancer, manage my symptoms, or both?
- What treatment plan do you recommend? Why?
- What are the possible short-term and long-term side effects of each treatment?
- Who will be part of my health care team, and what does each member do?
- Who will be coordinating my overall treatment and follow-up care?
- How will this treatment affect my daily life? Will I be able to work, exercise, and perform my usual activities?
- Could this treatment affect my sex life? If so, how and for how long?
- Could this treatment affect my ability to become pregnant or have children? If so, should I talk with a fertility specialist before cancer treatment begins?
- If I'm worried about managing the costs related to my medical care, who can help me with these concerns?
- How can I keep myself as healthy as possible during and after treatment?
- What follow-up tests will I need, and how often will I need them?
- What support services are available to me? To my family?
- Whom should I call for questions or problems?
To continue reading this guide, choose "Next" (below, right) to see some additional resources that may be helpful to you. Or, use the colored boxes located on the right side of your screen to visit any section.


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Make sure your apps take advantage of the great new features in OS X Mountain Lion when the world's most advanced operating system ships to millions of customers worldwide. Download OS X Mountain Lion GM seed and Xcode 4.4 GM seed, now available on the Mac Dev Center. Build your apps with these latest seeds, then test and submit for review. You can also submit iOS apps that take advantage of the new cross-platform Game Center Groups, so they'll be available when OS X Mountain Lion ships. Learn more.
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Updated: Apr 18, 2014
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The LAI is committed to the instruction of Less Commonly Taught Languages (LCTL) as a means of fostering a greater understanding of Latin American issues and strengthening the capacity of leaders in world affairs. Identified by the Department of Education as a LCTL, the LAI has supported the instruction of Kichwa (Quechua) at UCLA for over 15 years.
What is currently a program of instruction of Kichwa (Quechua), initiated as project to provide supportive and authentic multimedia language learning materials led by linguistics professor Roger Anderson. Our most recent collaboration with the Spanish and Portuguese department resulted in the appointment of a Kichwa (Quechua) lecturer in 2009 and since then, Luz Maria de la Torre, has offered hundreds of scholars, students and members of the public a means of exploration and celebration of indigenous languages of the Andean region of Latin America.
Kichwa Ayllu
UCLA student website designed for other Kichwa apprentices and those entering the venture of the wonderful Andean Kichwa world. Student coursework is sampled.
Language: Kichwa, English (some)
Dirección Nacional de Educación Intercultural Bilingüe (DINEIB)
Ecuadoran government initiative designed to provide a quality intercultural and bilingual public education for the populations pertaining to the 14 nationalities and languages comprising the nation.
Language: Spanish
Radio Iluman
Radio station that stemmed from an initiative to strengthen cultural identity and promote education within the Kichwa community. It now serves as a means of bilingual (Spanish and Kichwa) intercultural communication.
Language: Spanish, Kichwa
Otavalos Online
Kicwha virtual community - news, music, information, chat, etc.
Language: Kichwa
Free online Kichwa course for first-time Kichwa language learners.
Language: Spanish
Published: Friday, September 07, 2012
© 2014. The Regents of the University of California. All rights reserved.
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Le haut de tennis Nike Pure pour Femme présente une coupe féminine qui vous met en valeur et un tissu anti-transpiration extensible pour vous garder au sec lorsque le match devient intense.
Restez sec
Tissu jersey Dri-FIT éliminant la transpiration pour vous permettre de rester au sec et à l'aise.
Style classique
L'encolure caractéristique vous garantit une liberté de mouvement optimale.
Bougez en toute liberté
Manches très courtes pour une plus grande liberté de mouvement et une protection idéale.
Caractéristiques du produit
- Composition : Dri-FIT 87 % polyester / 13 % élasthanne
- Lavable en machine
Technologies Intégrées
Dri-FITCette matière haute performance en microfibre polyester débarrasse la peau de la sueur et l'entraîne vers la surface du tissu, où elle s'évapore. La matière Dri-FIT vous permet donc de rester au sec et à l'aise pendant l'effort.
Nike Pure Haut de tennis pour Femme CUSTOMER REVIEWS
Written By
Absolutely lovely top. Feels very soft, is light, has a great fit and is very feminine. It's double lined on the front, no bra cups, and signle lined at the back. Great cut on the neckline that stays in place during workout. In regards to size, both XS and S suit me fine, but for most Nike tennis tops I prefer XS. I bought this one on S to use for running too and while it is slightly looser, it still fits great. Will definitely buy in more colours.
Love the texture, don't love the cling.
Written By
L2kids Charlottesville, VA, USA09/07/2012
I wasn't planning on using this top for tennis, but was in the market for a v-neck workout top for jogging, cycling, and all around aerobic classes. I really liked the texture of the fabric; it felt great against my skin and was a nice weight. However, it was way too clingy, even though there was plenty of material. On me, it highlights lumps and bumps as well as the contour of my sports bra - not a great look. Granted, I have lumps and bumps that I'm trying to minimize so perhaps on another, slimmer frame, it would be more flattering.
Must have
Written By
tennisforlife Arizona, USA07/26/2012
This is an extremely comfortable shirt. I typically wear a M, but needed a L for this one. I like that it comes in a variety of colors as I'm coming back to purchase another one.
Love Them
Written By
jennyhensley1 mooresville, NC, USA04/29/2012
We had a couple team members wear this shirt with the purple line this spring and it looked awesome with a white bottom. I purchased an orange and a white one and they look like they are new after every wash. Double lined in the front as another reviewer stated and a very feminine look and the coverage is great. Great assortment of colors..so thank you
Love it.
Written By
Bear Bruiser denver, CO, USA09/03/2011
Double lined so not see through, this shirt is both comfortable and stylish. I wear between a XS and S and didn't want the shirt too tight, so the S is perfect.


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First you can drive all the ground rods you want to but it will do nothing to remove the "trickle shock" hazard between the shore and the water. There is not a motel somewhere underground that electrons retreat to nor is there some kind of electron party that take place underground. Every one of those little electrons are doing their best to return to their source and the improper installation is forcing them to seek a path back through earth.
The size of the conductors supplying the dock disconnect will be determined by the load served. To size these conductors everything being served will need to be calculated. Without the size of the pump motor, lift motor and other items it is impossible to say what size these conductors need to be.
If 240 volts is needed for items such as the water pump and boat lift then a four conductor feeder will need to be installed to the dock disconnect. ALL conductors supplying the dock will need to be insulated something that won't be found using a UF cable.
The disconnect for the dock will need to have its own grounding electrode system established with the neutral being isolated from the insulated equipment grounding conductor. This equipment grounding conductor should be size 12 or larger.
An Equipotential Plane will need to be installed at this dock panel that reaches out no less than three feet in all directions.
Everything at the dock will need Ground Fault Circuit protection. I recommend GFCI breakers in the dock panel.
This code compliant installation is the only way to stop the "trickle shock"
Remember that people die every year from shocks received from dock electrical power.


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Peter at TED Talks
Peter's recent contribution at TED Talks earlier in the year can now be viewed online. He joined a panel of three others including Neil Gershenfeld, Diana Reiss and Vint Cerf to present the idea of an 'Interspecies internet'.
"The Interspecies Internet is being created to explore,encourage and facilitate communication between species.It will initially connect pioneering researchers in the field and their non-human subjects and help to explore and develop appropriate tools and apps.The extraordinary growth of the Internet was, in part, because choice and control were placed directly in the hands of the user. The main focus of the nets creators was to provide a good service - not to define how it could, or should, be used.These will also be the goals of the Interspecies Internet.Many of the phenomena of the net, universal communication, open access to information and education, group behaviour and social networks will have their parallels in the Interspecies Internet. Although it will clearly be used by beings of the same species for communication a special emphasis will be made on communications between species, including our own.It will also allow us and our children many insights into the nature of the other species , or sentient beings, with whom we share the planet." - Peter Gabriel


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Orem >Heating & Air Conditioning > Air Force Heating & Air Conditioning
61 W 220 S, Orem, UT | Directions 8405840.292944 -111.696833
M-Sat 8am-5pm
Neighborhoods: Orem North
Provided by CityGrid
If your furnace or air conditioner isn't working, give us a call and we'll come determine what the problem is. Better yet, if you have us repair the equipment, the diagnostics fee is free.
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Professor of the History of Christianity; Director of Assessment
faculty bio
My wife has a hobby that takes us to small towns and large cities all across the Midwest. One of the things that I have noticed in all these travels is that in every single town and city you will find a United Methodist Church. Sure there you will find other churches in each town, but the only church that we find in every town is a United Methodist one. For almost 150 years, United has been sending pastors out to those churches. As we drive by these churches (and sometimes stop), the church historian part of me wonders about all the lives that those churches have touched, all the pastoral calls that have been made, all the marriages that began there, the baptisms celebrated, and the lives offered back to God. I love teaching at United because our students yearn to help write the next chapter in those churches' histories. They come to us to help prepare them for the mission and ministry of Jesus Christ in the world. To be able to help people get ready for that task is an awesome and wonderful responsibility and gift. That is why I am here at United and why I love teaching here.
When I came to United in 2005, I had an idea for a book project. I wanted to know how the bible, with its stunning story of God hearing the cry of slaves in Egypt came to be one of the most important tools for justifying slavery in the American South. I work mostly on the Reformation, which is also the same time that the Transatlantic Slave Trade was beginning. With the support of United, I was able to bring that book idea into reality as The Curse of Ham in the Early Modern Era: The Bible and Justifications for Slavery.
My three years of seminary were, without question, the three best years of my education. Yes, seminary was overwhelming at times, but it was also magnificent. I had the opportunity to probe my own faith, investigate what I believed and why, and deepen my relationship to God. Take the time in seminary to reflect, to probe, and to ask all the questions you've been dying to ask. There is no better time nor any better community in which to do it!


text: Prentiss Findlay is a Georgia native and a graduate of Wake Forest University who started his journalism career in Texas. He also worked at newspapers in North Carolina and Georgia before coming to The Post and Courier, where he has covered a wide range of topics including government, crime, courts, transportation and television. He currently reports on the east Cooper area and transportation issues.


text:
There's nothing like baseball under the lights! This Desk Lamp features your favorite squad's hat design highlighted by neon lighting, adding a new wrinkle to your game-room decor. The Lamp sits atop a resin base. Stands 12"h. 120V.
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Getafe vs Real Mallorca Preview
La Liga surprise package Real Mallorca will be looking to extend their unbeaten start and break a club record when they take on Getafe.
Three win and two draws have seen Joaquin Caparros' side equal their highest-ever points total after five top-flight games, and another victory would take the current squad into uncharted territory.
With only seven goals scored, their flying start has been built on a strong defence.
And Ximo, a key figure in their in-form back line, told AS: "It would be nice for the team to make history but the important thing is to get the three points.
"The team has started very well, we did not expect to start this well. We have not lost and we have to make sure the first defeat comes as late as possible.
"The season has just started and eventually the team will lose, but we are calm and we will try to continue this good run."
Giovani dos Santos is progressing well in his recovery from an injury suffered on Olympic duty with Mexico but is likely to have to wait until Sunday's clash with Granada to make his debut.
The game also comes too soon for Javi Marquez and Alvaro, though both are on the comeback trail along with Dos Santos.
Getafe coach Luis Garcia has called on his team to improve their own defending as they bid to improve on a record of seven points from five games.
"We must cut down on chances," he told his club's website. "We have to be more together and compact.
"And when we have the ball, we have to be more aggressive and clinical.
"Mallorca live on counter-attacks and set-pieces, and I mean that as a compliment.
"They have started very well. They are very intense, they defend together and seize every opportunity to score.
"They will be very confident and we have to be at our best to beat a team on a roll."
Alexis Ruano begins a two-game ban after his dismissal in the defeat to Celta Vigo last time out.


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Liverpool v City: Updated ticket Information
- 17 August 2012 15:09
- Posted by Nicola McCarthy
Liverpool v Manchester City
Sunday 26th August 2012
Kick off – 4pm
Please note; only restricted view tickets remain for this game.
The Club has received an allocation of 2,900 tickets, priced as follows:
£48 Adult (restricted view seats priced at £47 and £45)
£15 Junior (restricted view seats priced at £14 and £12)
£36 Over 65s (restricted view seats priced at £35.50 and £34)
£36 Disabled (please note all wheelchair spaces have sold out, walking ambulant supporters who do not need an assistant may purchase an available restricted view seat at £35.50 or £34).
All tickets are sold subject to availability. Tickets cannot be returned in the last week of sale.
Tickets will be available online at www.mcfc.co.uk/tickets, by telephone on 0161 444 1894 (option 1, option 1, option 2)* and to personal callers at the ticket office above the City Store at the Etihad Stadium (please note on Sunday, sales will operate from the Stadium Ticket Office in City Square – behind the stage) for supporters that meet the following criteria;
Updated selling criteria for this game is as follows:
- 2012/13 Platinum/Gold Members with 6,000 or more loyalty points – Friday 17th August at 9am.
- 2012/13 Platinum/Gold Members with 5,750 or more loyalty points – Saturday 18th August at 9am.
- 2012/13 Platinum/Gold Members with 5,500 or more loyalty points – Monday 20th August at 9am.
The Club received an allocation of 8 wheelchair spaces with provision for a free assistant which has now sold out.
Should any tickets remain; further selling criteria will be announced on the website.
*Tickets purchased over the telephone will be subject to a £2.50 booking fee per ticket. Phone lines are open 24-hours, 7 days a week. No booking fee payable on tickets purchased online.
To assist you in locating where supporters will be seated for the match, please view the stadium plan http://www.liverpoolfc.com/tickets/anfield-seating-plan
Please note, if the supporter number used is that of an adult, then only an adult ticket may be purchased. This also applies to under 16s and over 65s.
Gold Members will be awarded 20 loyalty points for attending this fixture. Platinum Members will be awarded 40 loyalty points.
Coach travel for this match is now available priced £12 for Adults, £8 for Juniors and Over 65s. Travel tickets are sold subject to availability. To book coach travel, please telephone MCFC Supporter Services on 0161 444 1894 (option 1, option 3) or book 'in person' at the ticket office above the City Store at the Etihad Stadium.
Departure times are as follows;
St Crispins 12.00pm
Chorlton Street 12.15pm
Etihad Stadium 12.30pm
Moston Lane 12.45pm
Getting to Anfield:
Plan your journey following the directions as advised by Liverpool Football Club. http://www.liverpoolfc.com/travel/getting-to-anfield
We would like to remind everyone why we have the best supporters in the country. On your visit to Anfield, please respect the stewards and staff at the Club and we ask that you:
- Remain in the seat that you have purchased
- Keep your ticket with you at all times
- Do not block the aisles or gangways
- Do not smoke
- Follow the ground regulations
Duplicate Ticket(s)
Should you misplace your ticket, we can arrange for a duplicate to be collected on the day of the match from the Liverpool Ticket Office, situated at the Kop end of Anfield Stadium http://www.liverpoolfc.com/travel/getting-to-anfield
Please contact the MCFC Supporter Services Team on 0161 444 1894 (option 1, option 3) who will be happy to help. Failure to provide the correct information in advance or on the day may result in either club not being able to provide a duplicate ticket. Identification may be required at the Liverpool Ticket Office.
The Ticket Office and Supporter Services Team are available Monday - Saturday, 9am to 5:30pm (closed Sunday & Bank Holiday). Supporter Services will open for all scheduled First Team away fixtures until kick-off, please call 0161 444 1894 (option 1, option 3).
All tickets are sold subject to availability and issued subject to Liverpool Football Clubs 2012- 13 Match Ticket Terms and Conditions and the Ground Regulations (terms of entry) of the opposing Club http://www.liverpoolfc.com/tickets/ticket-terms


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Please note the location of this event:
Ravinia Festival
200 Ravinia Park Road
Highland Park, IL 60035
Phone (847) 266-5100
Email Us >
Shopping Cart >Manage My Account >Season Calendar >Subscriptions >
This concert will be performed at the Ravinia Festival in Highland Park, IL.
For tickets please call 847-266-5100 or visit the Ravinia Festival website >
Chicago Symphony OrchestraLudwig Wicki, conductorThe Lakeside Singers Chicago ChoraleChicago Children's ChoirKaitlyn Lusk, vocalist
Howard Shore The Lord of the Rings—The Two Towers * (with complete film and lawn screen)
All 2014/15 Single Tickets and CYO Packages will be on sale August 8, 2014.
Selected performances will be on sale July 2014. Details to be announced.
In the meantime, 2014/15 single tickets can be purchased online by adding a subscription package to your cart, which will activate next season's single ticket purchase options at special subscriber prices. You MUST have a 2014/15 subscription package in your cart or pricing will not be adjusted.
Current subscribers please call 312-294-3000 to purchase add-on single tickets by phone.


text:
Deconstructed 19th C. English Wing Chair
Inspired by the unadorned beauty of their grandfather's 19th-century wing chair – liberated from its velvet upholstery and the frame exposed – the Van Thiels replicated the Old World artistry in the English Wing Chair. Character belies comfort. A distressed walnut frame, accented with nailheads, is complemented by the texture of burlap and fabric. This is furniture for the ages.
Show product details...
- 34"W x 34"D x 45"H
- Clearance needed for delivery: 35". Learn more.
Shown in sand Belgian Linen.
Deconstructed 19th C. English Wing Chair
Upholstery Swatches
$0 - $3


text:
Event Details
FREE - Vectorworks Spotlight Training for Vectorworks Service Select Members
Vectorworks Service Select members enjoy many benefits, including exclusive training. Add these exciting courses to your team's calendar by signing up today. Each training course includes industry-specific Renderworks™ and Fundamentals features and concludes with a question and answer session. Contact us at 888-646-4223 or firstname.lastname@example.com learn about becoming a Vectorworks Service Select member.


text:
The Graduate Center offers more than thirty doctoral programs in the arts, humanities, social sciences, and natural sciences, including History.
Learn about the Graduate Center's core faculty,
including Distinguished Professor David Joselit (pictured),
on the Faculty Profiles page.
Through its extensive public programming, the Graduate Center contributes to the intellectual and cultural vitality of New York City.
The Graduate Center has awarded nearly $1.7 million in dissertation fellowships to eighty-six doctoral candidates for the 2014–2015 academic year.
Support for the Graduate Center ensures continued excellence in arts and
sciences graduate education, research, and public programming.
Doctoral student Ian Pervil has received a $1,500 Clinical Psychology Dissertation Award from City College. His advisor is Tracey Revenson.
Submitted on: OCT 25, 2013
Category: Psychology, Students Honors, Awards, and Publications


text:
Don't miss your chance to see Brian Regan in Houston! Check out the schedule below for the concert date of your choice, then buy your Brian Regan Houston tickets before they sell out!
Sorry! We couldn't find any events for Brian Regan in Houston.
If you were searching to see if Brian Regan is coming to Houston, then you're in luck! For their latest tour, Brian Regan will indeed hold a concert in Houston. Have an awesome concert experience when you go to see Brian Regan in Houston. Get your Brian Regan tickets Houston and join fellow fans for a concert to remember!


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text:
Contact: Public Information Office
After his talk, "The 2010 Census: How Will We Know How Good It Is?" there will be an opportunity for questions, followed by media availability. The talk is free and open to the public.
Please RSVP by 5 p.m., Thursday, July 15, to the Public Information Office at 301-763-3691
or to <email@example.com>


text:
Sharpen those pencils! It's almost time to head back to school!
To help you get ready, Andersons Angels and Joy of Momma Joyner are hosting the Back 2 School Bash 2 Giveaway Event, and I'm participating too! Lots of blogs have teamed up to bring you the best in Back 2 School Prize Packages (valued at $25 or more). Be sure to visit each blog from the linky below and enter for your chance to win! This event will end on August 17th at 11:59pm EST. Continue reading


text:
Enhance style and comfort in your home or office waiting room with the Button Leather Sofa. Its upscale look and luxurious feel will have you lounging away in style.
Provide your guests and home with style and comfort, with the Button Leather Sofa. The front of this sofa is upholstered in genuine Italian leather, while the sides and back are upholstered in matching vinyl material. With solid wood legs, this couch is both durable and comfortable. Sofa height 28" seat height 17", width 78", seat depth 23" and sofa depth 30".


text:
Who's Holding That Library Card?
In order to view this object you need Flash Player 9+ support!
Powered by RS Web Solutions
Holiday Closings
The Main Library and All Branches will be closed on Friday, April 18th (Good Friday) & Saturday, April 19th (Holy Saturday).
JCFPL Winter - Spring 2014 Schedule
The JCFPL Winter - Spring 2014 Schedule starts Thursday, January 2 - Saturday Jun 14, 2014.


text:
Our Under-21s face a tough London derby away at Crystal Palace on Monday evening and manager Dermot Drummy is looking for a response from his team having seen them comfortably beaten at home by Liverpool just over a week ago.
After picking up four points from our first two matches of the season - against Manchester City and Wolverhampton Wanderers - we suffered a rude awakening when the Merseysiders ran out 4-1 winners at Griffin Park.
In truth, it was probably a fair reflection given the way the game had panned out, but Drummy is hopeful his young players will have learnt from such a disappointing result.
'It's a learning curve for some of the players,' he tells the official Chelsea website. 'Giving the penalty away as we were trying to keep ourselves in the game gave Liverpool an advantage, so we'll be looking to rectify that.
'We switched off at a corner, people were given jobs at half time and they didn't do their jobs.
'We weren't the better side; sometimes you get a draw or you nick a goal and get points you don't deserve, but moments change games when it's tight and hopefully they can learn from that.'
With both Rohan Ince and Conor Clifford back at the club following loan spells at Yeovil Town and Portsmouth respectively, competition for places in the weeks to come is sure to intensify, but having witnessed the impact losing influential players can bring, Drummy certainly won't be complaining.
'It showed with [Lucas] Piazon and [Lewis] Baker missing from our attack in the last game, we lacked a little bit, and the players are under pressure to perform to keep their places, just like the players in the first team have to do,' he says.
Tonight's game, which takes place at Selhurst Park, provides us with an opportunity to revert back to winning ways, and while the Blues boss has complete faith in his side, he has seen enough of our opponents to know we will need to be at our very best to secure all three points.
'I saw Palace play Liverpool, they lost 3-1 but they're very powerful, very organised and their academy always produces top players,' says Drummy.
'They put you under a lot of pressure physically so it will be a very tough game, we have to go there with a tough mentality to get the points.'
Crystal Palace Under-21s v Chelsea takes place at Selhurst Park tonight, kick-off 7pm.
Tickets are available at the stadium priced at £8 for adults and £1 for juniors and seniors.


text:
Creative Labs Creative WebCam Live! Free Driver Download
Also Supports:
VF0050, Creative WebCam Live!
Manufactured By:
Creative Labs
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Creative Labs
%szVersion% (2005-06-06)
Supported Operating Systems
Windows 95, Windows 98, Windows 98SE, Windows ME, Windows NT4, Windows 2000, Windows XP, Windows 2003, Windows Vista, Windows Vista x64
Uploader Notes
Creative really stinks for not making this driver available online. This is a zip file of the Windows Drivers in English.
Uploaded By
pikaso (DG Member) on 7/31/2007
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text:
Picture This
Seattle Times photographers offer a glimpse into what inspires their best visual reporting.
Blog Home | Picture This on Facebook | E-mail Picture This staff | Subscribe
Apr 20 - 4:23 PM Sunday Easter service
Apr 20 - 3:23 PM Hopping in the blossoms
Apr 19 - 8:49 PM Console to console at Sakura-Con
Apr 19 - 7:20 PM An egg-cellent find
Apr 18 - 10:15 PM Nurses, social workers visit homes to aid young children
We hope you have enjoyed your complimentary access. Subscribe now for unlimited access!Subscription options ►
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text:
WILSON AVP Illuminator Outdoor Volleyball
|Eligible for Free Shipping on Orders $49 or More! (see promotion details)
|Members of The League get 5% back when you spend $100! (see promotion details)
Product Details
The game must go on until the match is decided. So when the sun is setting, but the fun is not over, the WILSON® AVP® Illuminator volleyball lets you play on. The light-absorbing cover material will continue to glow well after darkness falls.
Get your new WILSON® volleyball today from Sports Authority.
- Cover Material: Synthetic
- Surface: Outdoor
- Weight and Size: Official
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- Glows in the dark
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Product Reviews
Reviewed by 3 customers
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- Retains Air
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- Recreation
Comments about WILSON AVP Illuminator Outdoor Volleyball:
Harder cover and feel especially when it gets cold.
- Was this a gift?:
- Yes
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I played with the volleyball for about twice and it already started to peel
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this ball is awsome.
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text:
- Size: 5/8"
- Auction House: Morphy Auctions
- Sale Date: March 2009
- Pre-auction Estimate: $100.-$200.
- Sold Price: $351.*
Interested in collecting marbles? Judith Miller in Buy, Keep or Sell? suggests looking for solitaire boards, avoiding marbles such as Cat's Eyes that were mass-produced after the 1960s and look for the original packaging.
From Morphy's Auctions:
A full house and a noticeable influx of new bidders contributed to a grand total in excess of $1.4 million in Morphy Auctions' March 5-7 Early Spring Sale.
The number of collectors pursuing marbles only seems to increase with each sale, according to Morphy. "Marbles are hot, period," he said. "They're small and easy to display, and each is an individual work of art. There seems to be strength at all price points in this category. The bidders were there across the board – low, medium and high levels – and it's a very positive sign that there were around 10 major new players at the top end."
*Include 17% Buyers Premium