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Showing 289-384 of 815 items
Courtyard by Marriott Chicago O'Hare
The newly renovated Chicago O'Hare hotel promises greater comfort and enhanced productivity with redesigned guest rooms and added business features. The Bistro offers healthy choices, a variety of breakfast and dinner options, an evening bar, and specialty beverages made with Starbucks coffee.
CITY: Des Plaines
Busse Woods
The Busse Woods Trail system is located within Ned Brown Forest Preserve, a 3,700-acre property in the western suburbs of Chicago. There are 11.2 miles of paved trails for cyclists, equestrians and pedestrians. The main loop is nearly 8 miles, circling some lakes and meadows, while a couple of much shorter side loops will take you to the north and south end of the forest preserve. The Busse Woods Trail connects with the Schaumburg Bikeway on the west, and on the north, Busse Woods links to the Rolling Meadows Bikeway system. Some key features of the forest preserve include fishing, boat rentals and a small herd of captive resident elk. The trails are open from sunrise to sunset.
CITY: Elk Grove
Staybridge Suites Hotel - Glenview
Extended-stay hotel offering short-term and long-term housing. Located in The Glen, the fully furnished 120-suites each contain a fully equipped kitchen, living room area, desk and ergonomic chair, 40+ stations including HBO, a DVD/CD player, and free high speed internet access. Hotel amenities include complimentary breakfast, fitness room, indoor pool, and free guest laundry.
CITY: Glenview
Wine & Roses Restaurant
Accommodates 260 between a sports bar and formal dining room. Specializes in meat.
CITY: Algonquin
Lake County Fairgrounds
The annual Lake County Fair runs for five days beginning the last Wednesday in July. Our Expo Building is available for rent for meetings, shows, weddings, and events year-round. Monthly events including antique shows, swap meets, crafts shows, dog and horse shows, and much more. Visit our website for event schedule.
CITY: Grayslake
Morton Grove Historical Museum Haupt-Yehl House
Located in Harrer Park, this 1888 Victorian farmhouse features period furnishings and a museum on its lower level with rotating displays.
CITY: Morton Grove
Buca di Beppo
Even before you succumb to the powerful flavors of immigrant Italian cooking, you'll be drunk on the decor at this exuberant send-up of post-war Italian-American supper clubs.
CITY: Wheeling
Radisson Hotel-Northbrook
A full service hotel in Chicago's prestigious northern suburbs, just 9 miles from O'Hare Int. Airport and 20 minutes from Downtown Chicago. All guest rooms have Select Comfort Sleep Number Beds.
CITY: Northbrook
CITY: Des Plaines
Highwood's Evening Gourmet Farmers Market
Held at Everts Park, this feast of local produce, gourmet cheeses, homemade pastas, baked goods, breads and pastries, and a variety of Italian, Mexican, French, and Irish delicacies offers something for everyone. With its Evening Concert Series and live cooking demo's in the Gourmet Chef's Corner, this energetic farmers market has become a tradition for friends and family looking for great food, spirits and entertainment. Additionally, Art in the Park will be back for its second year, showcasing local artists unique jewelry, fashion, and art, alongside 60 vendors.
CITY: Highwood
Renaissance Chicago North Shore Hotel
Awarded the prestigious AAA 4 Diamond award, this luxury North Shore Hotel is home to Ruth's Chris Steak House and Pancetta's Regional Kitchen + Bar and located near many Fortune 500 companies, Northwestern University, Chicago Botanic Garden, Ravinia Festival, world-class restaurants and great shopping malls. The hotel boasts 385 renovated guest rooms, an indoor pool, sun deck, and exercise room.
CITY: Northbrook
Skokie Valley Symphony Orchestra
The Skokie Valley Symphony Orchestra features local and national musical talents, and perfoms four concerts each year.
CITY: Skokie
C.J. Arthur's
C.J.'s is a great place to eat, drink and hang out. Special concerts monthly.
CITY: Wilmette
The Algonquin Sub Shop
Located in Algonquin, Illinois, Algonquin Sub Shop serves the very best gourmet subs in the Chicago area. Fans come from all over the state to get a legendary sub prepared by the friendliest crew around. Relax at our establishment and enjoy everything from subs to homemade soups to our big deserts!
CITY: Algonquin
Barrington Area Library
This full-service library presents a variety of arts events throughout the year.
CITY: Barrington
The Village Tavern of Long Grove
The Village Tavern has been in continuous operation since 1849. This family-owned restaurant, in classic road house style, has been a favorite "watering hole" for generations. A spacious dining room and antique bar area preserve the establishment's rustic authenticity. Especially popular is the massive 35-foot mahogany bar, which survived Chicago's "Great McCormick Place Fire" in the 1960's. The warm and friendly "pub" atmosphere of this classic restaurant attracts locals and tourists alike. There is live entertainment six nights a week. Known for our great steaks, 1/2 lb. Angus beef hamburgers, hearty sandwiches, and fish fry.
CITY: Long Grove
Lake Bluff Brewery
Lake Bluff Brewing Company is a small craft brewery devoted to upholding the lofty standards of quality craft beer being produced by so many fine Chicagoland microbreweries. Striving to create the finest beer available while minding the rich traditions of the brewing craft. Limited menu includes sandwiches, appetizers and pizza. Craft beers on tap that changes from time to time.
CITY: Lake Bluff
Francesca's Tavola
Contemporary, casually sophisticated trattoria ambience with authentic rustic cooking, friendly service, and fair prices. perfect location for a great night out or a private party.
CITY: Arlington Heights
Red Tail Golf Club
This 18-hole championship golf course has been rated 4 stars by Golf Digest, 4-1/2 stars by Chicagoland Golf, and has been voted one of the best values in all of Illinois.
CITY: Crystal Lake
Francesca's North
Part of the popular chain of Francesca restaurants that began in 1992 with the original Mia Francesca in Chicago, the menu here features the same generous portions of Northern Italian food with dishes from Rome and the surrounding areas of Tuscany, Umbria and Lazio. The menu changes daily to utilize seasonal ingredients, and there are additional off-the-menu specials.
CITY: Northbrook
Morton's The Steakhouse
Morton's, the Steakhouse has been synonymous with The Best Steak anywhere for over 30 years. While USDA prime-aged beef is Morton's claim to fame, there's more to savor: succulent seafood...fine wine...classic cocktails...decadent desserts...the best of everything.
CITY: Northbrook
Pinstripes Bowling, Bocce & Bistro
Pinstripes features a distinctive entertainment and dining venue. Celebrate sophisticated fun in our warm and inviting 45,000 square foot indoor/outdoor facility complete with eighteen bowling lanes, six bocce courts, exceptional Italian-American bistro and wine cellar, outdoor patio and fireplace and beautifully appointed event and party rooms that can accommodate groups from 20-600.
CITY: Northbrook
Harper College Performing Arts Center
Concerts, plays, musicals, and more. Free backstage tours for groups.
CITY: Palatine
Arlington Heights Historical Museum
The Coach House, a replica Log Cabin, the 1882 home of F.W. Muller and the 1908 Banta House tell the story of Arlington Heights over the last 150 years. Tour guides introduce you to the life of early residents. Tours: Sat. & Sun. 2pm & 3pm Heritage Gallery & Gift Shop: Fri.-Sun. 1:30pm-4:30pm
CITY: Arlington Heights
Residence Inn by Marriot Deerfield
Residence Inn Chicago Deerfield offers you magnificent accommodations that feel like home, whether it's for a night, a week or a long-term visit. Enjoy convenience to area businesses, the Chicago Botanic Gardens, Ravinia Festival and Six Flags Amusement Park. Start your day at this Marriott hotel in Deerfield IL with our complimentary breakfast buffet in our Gatehouse. Each suite at our Gurnee Mills mall hotel includes a fully equipped kitchen with full-size appliances. All Flatware, Chinaware, Glassware, pots, pans and utensils are provided for you. No time to shop? We will do it for you! Just drop off your shopping list and take advantage of our complementary grocery shopping service! Whether traveling for business or pleasure, our friendly and proficient staff at Residence Inn Chicago Deerfield takes pride in anticipating and satisfying your needs.
CITY: Deerfield
Homewood Suites by Hilton Lincolnshire
All of the beautifully designed 1 & 2 bedroom suites offer a wide range of amenities for the comfort of both short and extended stays. Take advantage of great facilities such as separate living and sleeping areas, a fully-equipped kitchen, with full-size refrigerator, microwave and coffee maker and TV's with on-demand movies. Enjoy a complimentary hot breakfast seven days a week and an evening Manager's Reception Monday through Thursday. Some of the fantastic amenities include an indoor swimming pool, fitness center and room service. For the business traveler there is a business center, meeting rooms and a complimentary printing service. Close to Arlington Park, Chicago Botanic Gardens, Historic Long Grove Village and Six Flags Great America.
CITY: Lincolnshire
Annie's Old Fashioned Pancake House
Annie's is a traditional breakfast eatery. Come on in and try some warm pancakes topped with apples and cinnamon or pecans, as well as our French toast and omelets.
CITY: Skokie
Marriott Residence Inn Deerfield
Newly renovated extended stay hotel. Offering 3 suite options: studios, penthouses & 2 bedroom suites. All have full kitchens however, a daily complimentary full breakfast buffet and light dinner is available. Internet access, grocery shopping service.
CITY: Deerfield
Lehmann Park
CITY: Lake Villa
Village of Lincolnshire
CITY: Lincolnshire
Gale Street Inn
Gale Street Inn is a Family Owned Restaurant in business since 1963. Our House specialty is BBQ Baby Back Ribs and Roast Prime Rib. We have an extensive offer of fine cuts of meat and fresh seafood. Join us for lunch or dinner and experience our breath taking views of Diamond Lake.
CITY: Mundelein
Wingate By Wyndham Arlington Heights
Complimentary continental hot breakfast, free airport and local shuttle (Monday through Friday), whirlpool, exercise room, guest laundry, Jacuzzi suites, and meeting rooms available. High-speed wired and wireless Internet access throughout the hotel. 5 miles from Schaumburg Convention Center. Easy access to I-90. Minutes away from O'Hare Airport. Only 3 miles from Woodfield Mall. Complimentary Manager's Reception Monday through Thursday.
CITY: Arlington Heights
The Crazy Toucan Margarita Grille
Like most any restaurant you'll find in the tropics, The Crazy Toucan specializes in refreshing tropical drinks for all ages! Located in the KeyLime Cove Indoor Waterpark Resort, the ambiance is sheer island fun and includes crazy and colorful décor, classic beach music, huge plasma TVs, and everything from Jerk Chicken Salad and Pulled Pork Sandwiches to Toukie's Fresh Catch the Day. A fun gathering place where great food and good fun are the special of the day, every day. Enjoy a refreshing tropical drink with or without the kick.
CITY: Gurnee
Holiday Inn Express - Vernon Hills
Just minutes from the shores of Lake Michigan, this hotel is conveniently located less than 25 miles from Chicago's O'Hare Airport and the Great Lakes Naval Base. Families staying at our hotel will enjoy exploring Lake County with attractions including Six Flags Great America. This hotel offers one and two-room suites and Jacuzzi and kitchenette suites which all include a free hot breakfast buffet, free high speed wireless Internet access and a complimentary Manager's Reception Monday - Thursday. Relax in the indoor pool and whirlpool or work out in the fitness center. Two meeting rooms totaling 1200 sq. ft. accommodating 100 people are also available for special events or meetings.
CITY: Vernon Hills
Lyons School
Lyons school is the host to the Glenview Art Fair that showcases over 110 jewelers, printmakers, stain and fused glass artists, representational and abstract artists, photographers, potters, ceramists and more.
CITY: Glenview
Days Inn - Great Lakes
Business or pleasure, the newly renovated Great Lakes/North Chicago Days Inn offers you the convenience of a great location coupled with fabulous amenities. Ideally located between Chicago Downtown and Milwaukee off I-94, Exit IL 137 East Buckley Road, on Hwy 41. The newly renovated facility includes new carpeting, newly upgraded lobby furniture, an upgraded breakfast area, and a plasma TV in the lobby. Guaranteed a great room at a great rate, with breakfast included and the opportunity to shop, dine, explore - all while earning Wyndham Rewards points.
CITY: North Chicago
Sweety Pies Bakery
A family-owned operation since 2007, Sweety Pies is a bakery, cakery and cafe serving up delicious handmade goodies in he heart of downtown Skokie. Featured are family favorites such as buttery cinnamon rolls, scones, croissant, quiche and famous pies. Specializing in custom cakes, cupcakes and old-fashioned handmade desserts. Also serving omelets, sandwiches and homemade soups.
CITY: Skokie
Fradillios Restaurant
Fast, casual dining that includes salads and sandwiches. Gyros, beef sandwiches.
CITY: Algonquin
Taylor Stevens Salon and Spa
Hair and nail service, esthetics, spa body treatments, bridal services, massage therapy.
CITY: Algonquin
Cadwell's Grille
Contemporary American Cuisine with local flair. Located in the Embassy Suites Chicago/North Shore. Sink your teeth into the "Chi-town" ribs, flat bread pizzas, or Black Angus prime rib dip. If seafood is your preference, try the cedar plank salmon or grilled calamari with champagne oregano white truffle vinaigrette. Come by Cadwell's Grille in Deerfield, IL for a memorable dining experience in a truly relaxing atmosphere.
CITY: Deerfield
Lake House Inn Bed and Breakfast
First bed and breakfast on Fox Lake (Chain O'Lakes).
CITY: Ingleside
Staybridge Suites by Holiday Inn Lincolnshire
All suite hotel featuring studio, one-bedroom and two-bedroom/two-bath suites. Each room comes equipped with a full kitchen along with separate work and living areas. Hotel provides complimentary hot breakfast, evening receptions, fitness and complimentary laundry room, high speed internet access and an indoor pool. The suites are perfect for corporate travelers visiting the area for training, long term projects, relocations and meetings while the size of the rooms are great for families or those who just want more space.
CITY: Lincolnshire
Visit this store and find the latest runway looks, sought-after in-season styles, from real designer names you know. These are the same labels you'll find in the finest department stores, but at Loehmann's they are 30-65% less. Real designers really discounted. Their staff can help you find the perfect outfit for every occasion for the whole family.
CITY: Northbrook
Lake County Discovery Museum
Hands-on interactive exhibits introduce the history of Lake County in a fun learning environment. The Museum also displays the nation's largest permanent exhibition on the history and significance of postcards. Changing exhibits throughout the year.
CITY: Wauconda
Wilmette Historical Museum
Learn about the history of Wilmette, the North Shore area and Gross Point. Housed in the former Gross Point Village Hall, the museum also offers a research library.
CITY: Wilmette
Courtyard By Marriot- Deerfield
Courtyard surrounds travelers with the conveniences that make business and pleasure travel easy. Newly renovated in 2001.
CITY: Deerfield
Hampton Inn & Suites - Lincolnshire
A 3-story, newly constructed, beautifully decorated hotel featuring a combination of traditional hotel rooms and fully equipped one bedroom suites.
CITY: Lincolnshire
Di Pescara
Lettuce Entertain You's newest restaurant on the North Shore. Serving an eclectic menu of fresh seafood, steaks, and tasty appetizers in a contemporary yet warm environment. With a modest price range, reservations accepted. Open for lunch and dinner daily.
CITY: Northbrook
Plaza Del Lago
Beautiful, historic outdoor shopping center on Chicago's famous North Shore.
CITY: Wilmette
Wide variety of food from fish, chicken, and pasta; including a breakfast menu served all day.
CITY: Algonquin
Hampton Inn & Suites - Hoffman Estates
Comfortable guest rooms or spacious two room suites, fitness room, cable television, meeting room (15 to 20 persons).
CITY: Hoffman Estates
Fleming's Prime Steakhouse and Wine Bar
Stylish, contemporary dining, the highest quality prime beef, chops, seafood, chicken, salads, inventive sides and indulgent desserts. Award-winning wine list with 100 offered by the glass. Private dining available.
CITY: Lincolnshire
Trackside Waukegan
Trackside Waukegan offers a casual, comfortable setting to wager on horse racing from around the world, broadcast on 250 television monitors. Watch and bet on races in the Finish Line Restaurant and Lounge, Grandstand Bar, Teletheater or Backstretch Deli.
CITY: Waukegan
North Point Marina - Lake Michigan Charter Fishing
Enjoy the beautiful blue of Lake Michigan aboard one of over one hundred charter fishing boats on the Lake County harbors of Waukegan and North Point. You will find the Coho running in the late spring, Lake Trout biting in mid-summer, and the Chinook come home to spawn in late summer and early fall. Whatever time of the year you go, you'll find expert charter fishing captains ready to make your time on the water a great one. For information on charter fishing opportunities and hotel information, please contact us.
CITY: Winthrop Harbor
RA Sushi
The stylishly-edgy sushi bar and restaurant is located at The Glen Town Center in the heart of Glenview. RA Sushi, an unconventional dining concept, blending fresh sushi, hip music and contemporary décor all rolled up into one flavorful experience.
CITY: Glenview
Homewood Suites by Hilton Lincolnshire
1 & 2-bedroom suites. Complimentary hot breakfast buffet served daily, evening reception held Monday-Thursday and high speed internet access. We also have an indoor pool, whirlpool, and 24-hour fitness and business centers. Located at I-94 and Route 22
CITY: Lincolnshire
Wright Woods Forest Preserve
The Wright Woods Forest Preserve located in Mettawa offers 4 miles of scenic trails: a short loop for hikers, bicyclists and skiers that circles a pond, and a 3-mile loop for hikers, bicyclists, skiers and horses. This preserve also has footbridge spanning the Des Plaines River, which links Wright Woods to Half Day Forest Preserve.
CITY: Mettawa
60th Art Fair on the Square
Art fair consisting of selected exhibitors' work in a variety of disciplines including: ceramics, digital art, drawing/pastels, fiber, glass, jewelry, metal, graphics/printmaking, mixed media, painting, photography, sculpture & wood. Silhouetted against classical architecture and stately mature trees, the artists set up their outdoor galleries around historic Market Square. There will also be a children's art tent for the creative little ones.
CITY: Lake Forest
Countryside Golf Club
At Countryside Golf Club, play two challenging, award-winning 18-hole golf courses. The Prairie course, with bentgrass tees, wide-open greens and sand bunkers offers golfers a chance to challenge their game. The Traditional course, with bentgrass tees and tree-lined fairways, offers golfers scenic and challenging rounds of golf.
CITY: Mundelein
Candlewood Suites-Northbrook Wheeling
An extended stay property for the leisure or business traveler. Full kitchens, free local calls, free high speed internet access; weekly maid service, complimentary guest laundry, comfortable accessible rooms.
CITY: Wheeling
Winnetka Historical Museum
The growth and history of Winnetka since 1830 is chronicled in this museum, which includes the Carlton Washburne Library.
CITY: Winnetka
Embassy Suites - Chicago North Shore
CITY: Deerfield
Hilton Northbrook
Luxurious accommodations and exquisite hospitality await you at the Hilton Northbrook on Chicago's North Shore. 248 guest rooms offer deluxe amenities designed to pamper you. Enjoy remarkable cuisine in the award-winning Allgauer's on the Riverfront or relax in the indoor pool, whirlpool spa and sauna. The Hilton is ideally located just north of Chicago O'Hare International Airport, Ravinia Festival, Chicago Botanic Garden, Six Flags Great America, and spectacular shopping.
CITY: Northbrook
Hotel Indigo
Boutique all-suite hotel features the "Phi" Bistro & Bar with a full-service Starbucks coffee bar through the "We Proudly Brew" program and room service for breakfast and dinner, indoor heated pool, 24-hour fitness center, 24-hour business center and wireless Internet access. Guest suites are 25% larger than standard hotel room & include 32" flat-panel TV, MP3-player alarm clocks, spa-inspired showers, sofa sleepers (most suites) and work desks with smart lamps. Within 1 mile of over 200 stores, fine and casual dining and much more.
CITY: Vernon Hills
Comfort Inn O'Hare
The Comfort Inn® O'Hare hotel is conveniently located less than two miles from the O'Hare International Airport, Allstate Arena and the Donald E. Stephens Convention Center. This Des Plaines, IL hotel is also close to the Rosemont Theatre, the Woodfield Mall and Arlington Park horse racing venue. The Comfort Inn O'Hare hotel offers a prime location for business and leisure travelers. Make us your home away from home when visiting the Des Plaines and Chicago areas.
CITY: Des Plaines
Baymont Chicago Glenview
This three-story hotel offers 142 guestrooms accessible via interior corridors. All rooms at the Baymont Chicago offer work desks with ergonomic chairs and phones with voice mail. Wireless Internet access and local calls are complimentary. Located eight miles from O'Hare International Airport. The hotel provides 24-hour front desk, free continental breakfast and a gym/fitness center. Near I-294.
CITY: Glenview
Sullivan's Steakhouse of Lincolnshire
A vibrant neighborhood American Steakhouse featuring the finest steaks, seafood, hand-shaken martinis and live music. With 20 locations across the U.S., we offer comfortable fine dining in a lively atmosphere. Whether it's for business, pleasure or both, we look forward to quickly becoming your favorite local steakhouse.
CITY: Lincolnshire
Old Country Buffet - Vernon Hills
Homestyle buffet serving a variety of different foods daily.
CITY: Vernon Hills
Marriott Suites Chicago Deerfield
his hotel features 248 suites with a private parlor room separated by French doors. Suites include a spacious bedroom with a separate living area with sleeper sofa, wet bar, microwave, refrigerator, coffee maker, Plug-In Panel to connect your laptop, iPod
CITY: Deerfield
Grayslake's Fall/Winter Farmers Market
Come out to downtown Grayslake on Saturdays for the Fall Farmers Market. The market will offer seasonal produce, baked goods, wine and cheeses, spices, organic selections, ready-to-eat food, live entertainment and much more. The fall market is located at Centennial Park 147 Center Street in downtown Grayslake. For details and vendors please visit the website.
CITY: Grayslake
Flight Restaurant and Wine Bar
Flight is the north shore's premier destination for food, wine and fun. At Flight connect comfort with style, tradition with innovation and the everyday with the extraordinary.
CITY: Glenview
Rooks Corner
A Modern American Bistro where classic cuisine meets the flavors of the American market with a menu reflecting the changing seasons and a focus on the simplicity of fine ingredients. Rooks Corner is our interpretation of the new generation of bistros which offers creative cuisine in a casual, comfortable and contemporary setting. The eclectic, modern feel of the restaurant makes it the "place to be." Serving breakfast, lunch and dinner. Next to a hotel.
CITY: Northbrook
Chalet Hills Golf Club
This championship 18-hole golf course with 6,950 yards offers bent grass fairways, and beautiful rolling hills and vistas. Power carts are required Friday through Sunday and holidays.
CITY: Cary
Railroad St. Market
An 1847 Blacksmith and Wagonmaker's shop featuring two floors of country pine, oak, walnut, mahogany furniture and accessories. Some architectural artifacts.
CITY: Crystal Lake
Fairfield Inn by Marriott - Glenview
At Fairfield Inn,® you'll be surprised at how comfortable a room can be at a price that's friendly to your budget. Enjoy extra space, crisp linens, free high-speed Internet access, complimentary breakfast plus ergonomic work areas.
CITY: Glenview
Lovell's of Lake Forest
The beautiful, quaint house setting decorated with out-of-this-world (literally) artifacts from the chef-owner's father, Apollo 13 astronaut Jim Lovell, provides the backdrop for a wonderful selection of tasty New American plates at this Lake Forest standout. The service contributes to a soothing ambiance; it's truly a magical place to dine. For a more causal dining experience, try the downstairs Captain's Quarters for a casual evening with additional bar food selections and live music Friday and Saturday nights.
CITY: Lake Forest
Bob Chinn's Crab House
Committed to providing the freshest food from around the globe. Seafood is delivered from the highest quality providers from around the world.
CITY: Wheeling
Akai Hana
Akai Hana serves a variety of Japanese and sushi dishes.
CITY: Wilmette
Doubletree Hotel Chicago Arlington Heights
Newly renovated hotel located in Chicago's Northwest Business Corridor. 228 rooms and 13 suites
CITY: Arlington Heights
Wyndham Garden Hotel - Buffalo Grove
Two story, garden style property perfect for business or leisure traveler.
CITY: Buffalo Grove
Chapel Hill Country Club
Enjoy the delightful rural atmosphere at this semi-private facility located near the banks of the Fox River in lovely McHenry. Accept the challenge to play the longest hole in Illinois, measuring over 700 yards.
CITY: McHenry
Skokie Heritage Museum
Explore Skokie's heritage by visiting the historic Engine House and the original (1847) Log Cabin. These two cites have much to offer with local and seasonal exhibits, special interest classes, and educational school programs.
CITY: Skokie
Zhivago is a restaurant and ballroom with a beautiful atmosphere and excellent food. Featuring European-American cuisine with a Russian twist.
CITY: Skokie
Butt'ry Heartwarming Kitchen
The food is just as the name describes, butt'ry and heartwarming.
CITY: Wilmette
Tavern '45
A tavern with a modern twist. Crafted menu around distinctive American pub fare with a focus on unique, quality ingredients. A drink menu with an extra emphasis on local craft beer and an atmosphere to enjoy the company of those around you. Outdoor patio also available.
CITY: Buffalo Grove
La Quinta Inn - Hoffman Estates
A great place to unwind. Rooms have enhanced lighting and expanded bathrooms. King plus rooms offer recliners. Free local calls. Children uner 18 free in parent's room.
CITY: Hoffman Estates
During this fun-filled event for all ages, you can meet live crocodilians, including Bubba the world famous American Alligator who will be on hand until 2pm. The expert staff and members of the Chicago Herpetological Society and the Madison Area Herpetological Society will give short talks about crocodiles and their kin, while also providing some close up encounters with a variety of reptiles. There will also be kid-friendly activities, face painting a story teller, craft vendors, the WDC's Wildside Store, food and refreshments.
CITY: Lake Forest
Material Girl Fabric Shop
Material Girl Fabric Shop located in downtown Crystal Lake, formerly The Fabric Shop, features fresh and modern fabric designers such as Anthology, Free Spirit, Westminster Including: Amy Butler, Kaffe Fawcett, Riley Blake, Alexander Henry, Michael Miller - Including Anna Griffin, Moda, Henry Glass, Kaufman, Hoffman and more. We offer an extensive variety of fabrics, trims and notions for Crystal Lake and the surrounding McHenry County area. In addition, we continue to add more fabric lines and designers such as RJR, Batik Textiles, Red Rooster, Andover, Art Gallery, Lecien, Clothworks, Dunroven House, James Thompson & Co., Marcus Fabrics, Oilcloth, Intl., P & B Textiles, Quilting Treasures, Shannon Fabrics, Studio E, and Mary Flanagan Wools. We now offer Sewing Classes and Sewing Instruction right here in our Crystal Lake store. These classes will be for beginners as well as experienced sewers of all ages looking for new ideas and inspirations.
CITY: Crystal Lake
Courtyard by Marriott Glenview
The newly remodeled is located off I-294 and is 15 minutes from O'Hare International Airport. Courtyard Chicago Glenview puts you within easy reach of area businesses, local attractions and downtown Chicago. A complete hotel renovation unveils a "reinvented" Courtyard designed to meet all of your travel needs with 137 guest rooms and 12 suites, Free WI-FI Internet access, HD televisions and free in-room coffee. Heated indoor pool and whirlpool.
CITY: Glenview
Wyndham Glenview Suites
The seven-story, 253-room, all-suites Wyndham Glenview Suites features separate bedroom and living rooms. The suites are complete with flat-screen TV's, complementary wireless Internet, mini bar, microwave and refrigerator. Guests can enjoy two restaurants or the workout room with an indoor pool and whirlpool. Ten pet-friendly guest rooms are available.
CITY: Glenview
The King and I
Get swept off your feet all over again when East meets West in this beloved Rodgers and Hammerstein musical. The friendship that grows between the lovely tutor Mrs. Anna and the larger than life King of Siam transcends their conflicting cultures. Set against the exotic backdrop of 19th century Siam, timeless classics like "Getting to Know You," "I Whistle A Happy Tune" and "Shall We Dance?" spring forth with unforgettable grace and splendor. Journey with us to this captivating land of music, dance and enchantment.
CITY: Lincolnshire
Extended Stay America - Skokie
The hotel, conveniently located off I-94, is designed for America's "Road Warriors" and available for overnight or long-term visitors. Rooms are approximately 300 square feet with room to spread out. Accommodations include well-equipped kitchens.
CITY: Skokie
Shallots Bistro
Innovative, upscale Bistro cuisine featuring aged steaks, chops and wild fishes. Intimate elegant dining room - perfect for romance or business. Highly acclaimed cuisine with desserts, full bar with whimsical martinis, international beers and wines.
CITY: Skokie
Hampton Inn & Suites Deer Park
Our promise to you includes a clean, comfortable hotel room. In fact, we have 104 of them! If you're traveling with your family, you may opt for a room with two beds. Or, if you're here by yourself on business, why not book a room with a plush, king-sized bed so you can stretch out and relax?
CITY: Deer Park
The Grand Station Restaurant & Cocktails
This grand gathering place dishes up classic American comfort food complemented by a selection of grand desserts. The Grand Station, where comfort abounds in grand proportions.
CITY: Arlington Heights
Jolane's Café & Wine Bar
Abt Electronics CEO Bob Abt always wanted a restaurant of his own. Adjacent to his famous electronics store in Glenview is a Austrian-style café featuring an outdoor patio, an eight-foot long glass pastry case tempts with an array of croissants, Danish pastries, scones, Viennese tortes and slices of cake. The café serves three hearty meals daily. Coffee, of course, maintains its Old World dignity. The cafe also offers a full bar, 22 wines, three types of beer, including a Belgian Trappist ale.
CITY: Glenview


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About This Blog
Hello! I'm Jennie (known to many as SB, due to my handle, or The Yorksher Gob because of my old blog's name). This blog is my public face; click here for a list of all the other places you can find me on t'interwebs.
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On Friday, November 2, 2012, about 11:00 P.M., a hand-held laser was pointed at a San Jacinto officer's patrol car while driving in the 1900 block of Villines Street in the city of San Jacinto. The Riverside Sheriff's helicopter responded to assist in searching for the suspect.
As the helicopter searched the area, the suspect pointed the laser at the aircraft multiple times. The helicopter crew was able to direct officers to a residence on Villines Street from where the laser was emanating. Officers contacted 32-year-old Irene Marie Levy who was arrested for the violations and booked into the Larry Smith Correctional Facility. Levy has been arrested for similar incidents in the past.
The San Jacinto Police Department would like to remind the community that pointing a laser at vehicles and/or aircraft is dangerous and a criminal offense.
Anyone with information regarding this incident is encouraged to contact the San Jacinto Police Department at (951) 654-2700 or after hours at (951) 776-1099.


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View the article online at http://citywire.co.uk/wealth-manager/article/a757061
How will next leg of price war hit discretionaries?
by Eleanor Lawrie on Jun 18, 2014 at 07:00
The retail distribution review (RDR) has sparked a price war, with the next battleground expected to be the charges levied by platforms and discretionary fund managers (DFMs).
Asset managers have already gone head-to-head on fund charges – last month Fidelity cut fees on its passive range to their lowest ever level. Platforms and DFMs are not expected to be immune from this downward pricing pressure, but are mounting the case for value for money versus cost alone.
Daniel Godfrey (pictured), chief executive of the Investment Management Association, said: 'The next leg of competition is going to be around platforms and that will be healthy for consumers. Ultimately what we see is that clients are willing to pay for what they believe will be the best returns. So if they are confident a manager can deliver alpha, they are willing to pay for it.'
Value for money is something Andrew Denham-Davis, director of business development at Brooks Macdonald Asset Management, said his firm offers.
Denham-Davis defended the fees his company charges, which at 50 basis points (bps) is more than double some of its competitors. He said Brooks Macdonald would not be able to maintain the quality of its business if it dropped its charges.
'I'm not sure it's possible for us to go to 20bps. We have to make sure we look after people and can maintain the quality of our business. Selling on price is very different to being price competitive, and it's difficult to get that compromise,' he said.
'Post RDR, what has really come into the spotlight is the need to be able to demonstrate what we are doing for what we are charging. I think the industry is barking up the wrong tree, and this is about longevity, and value for money.'
David Tiller, Standard Life's head of adviser platforms, said Standard Life Wealth charges 30bps plus VAT for discretionary services, which he considers 'pretty competitive'.
He agrees strong brands could thrive in the new era of transparency. 'There will be some pressure, but the flipside of that is people will pay for quality. It is particularly important when you look at discretionary management. It's not purely about cost, it's about whether you believe they will deliver your outcome, whatever that is.
'With the guys that have good brands and strong reputations, people are willing to pay their fees. It's the smaller businesses that maybe do not have the track record that might struggle.'
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3 comments so far. Why not have your say?
Jun 18, 2014 at 09:21
All this downward pressure on everyone except the IFAs themselves many of whom INCREASED from 0.5% to 1.0% ongoing annual fee as they went "new model" but then reduced the time cost by outsourcing through using platforms and DFMs whilst still retaining a 1.0% annual charge. I haven't seen articles on IFAs having to be more competitive on price or price wars of IFAs.
Don't get me wrong, I've been serving as an IFA for 12 years now so it's nice to be on this side of the fence. I'm just looking at it honestly and objectively.report this
Jun 18, 2014 at 10:08
One silent issue here is the fact that there is a wide range of DFM services. They range from merely running model portfolios (pseudo fund of funds without the protection?) with the model selection done by the IFA to bespoke multi-level mandates for clients where CGT, income, and targeted returns over specific periods are actively managed.
Shimply quoting DFM charges like 0.3%, 0.5% and 1.0% in the context of price pressure is meaningless and makes assessing value for money impossible.
For those people reading this driving a BMW, Audi or Merc why are you paying so much when you could have a Renault? The fact is the former don't compete with the latter for good reason and it applies here also.
Each DFM needs to decide where in the quality range they sit and charge accordingly. Let's not kid clients that a model portfolio run on the cheap by a DFM that has no interest in who they are or what they want is in the same league as the more bespoke offerings. Of course there will be variations and a few bad apples but generally you'll get what you pay for and that's the key.
For the IFA, they need to look at overall costs and benefits and that includes assessing where they add value in relation to their charges too.report this
Jun 18, 2014 at 10:15
IFAs are leveraging their client base to their own advantage, which may not be very nice, but is understandable.
To be honest, 50 b.p. for deciding asset allocation (which is what these so-called DFM services essentially provide) is on the high side. The bigger they are, the more likely it is that they can only recommend closet tracker funds, so their clients will tend to underperform the market in real terms.
But by the time you add the IFA's 100 bps to Brooks Macdonald 50 bps, and add this to the true annual costs to a unit-holder of an OEIC of between 150 and 225 bps, there's one hell of a hurdle to jump before the underlying client can hope to outperform an index - at least 3%, perhaps as much as 3.75%.
To be honest, the only folks in this sector who are actually doing their best to provide value for money to their clients are the small independent DFM's. Whether they consider themselves to be stockbrokers or discretionary investment managers, they are all focussed on performance in a way that seems to be alien to the large groups, who seem to focus these days on risk, and mainly regulatory risk as that.
What appears to have escaped them is that if you engineer out all the risk, you engineer out most of the reward. No-one has yet come up with a consistent approach that delivers risk-free reward. In contrast, there are plenty of assets, starting with gilts, that offer reward-free risk.
I feel there is a bit of a sea-change in the offing - it may just be that the DFM landscape may be in for some further changes, at least some of which will, for once, be in the clients interest. Always assuming those smaller firms are prepared to stay the course, which isn't a given under our current regulatory burden.
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Local leaders are giving the public an opportunity to get more information on the City of Bishop's financial picture by providing a snapshot of the budget online.
Acting on a request from Bishop Councilmember David Stottlemyre, on Dec. 10 the City Council unanimously approved a month-to-month contract with the Delphi company to provide an Internet service that will provide residents with an inside look at the city's finances.
Stottlemyre said he attended an Eastern Sierra Council of Governments meeting where representatives from Delphi discussed the program and its benefits to citizens.
"I see this as a pretty cool opportunity for us to be one of the leading agencies, getting up front on this software," Stottlemyre said earlier this month. "It's really quiet easy to work with."
The City Council approved a six-month agreement to pay $249 a month for the software on a month-to-month contract that can be terminated at any time.
Stottlemyre said he has recently seen articles on government transparency in Western Magazine and other publications. "There's a huge push for doing this," he said. "In our case, it's not necessarily a transparency issue, but a convenience. I would really like to give it a try."
Bishop Accounting Secretary and Budget Manager Cheryl Solesbee said it is currently unclear who would use the free online program, and what for, but she did add that she could see some benefits.
"The benefits are going to be for the departments," who will have easy, user-friendly access to their council-approved budgets when looking into projects and funding, Solesbee said. "I don't know how much the public is going to use it, and what for, but we can stop it at any time."
Solesbee added that she will be the first to try the new software. "I'll be able to let you know if it doesn't work," she said.
One resident at the council meeting asked if local contractors would be able to check to see if the city has budgeted for projects it is going out to bid for.
"Our level of transparency will be whatever we put up there, and it can be added on to, but I don't really think that information will be available," Solesbee said.
Solesbee said that she could see the Bishop Area Chamber of Commerce utilizing the program to check on the city's budget and Stottlemyre said he already plans to use the information that will be posted. He added that the program can hold up to 50 years worth of city budget information.
"This is a more smart technology," Stottlemyre said. "I would really like us to give it a try."
With the council's approval, the Delphi company transparency software will be up and running on the city website in early 2013.


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Editors' Picks:
- Beretta leaves Maryland over gun laws, heads for Tennessee
- Neal Boortz defends Hillary Clinton for representing child rapist
- House task force to recommend National Guard on border, faster deportations
- Top federal judge uses pizza to explain complex Obamacare situation
- Obama, Biden overhaul job training programs
- Drought-plagued Californians turn to paint to keep lawns green
- ISIL now forcing Iraqi shopkeepers to veil mannequins in Mosul
- 11 parents of Nigeria's abducted girls die
- Genetic mapping triggers new hope on schizophrenia
- Turkish P.M. Erdogan won't speak to Obama, but he'll take calls from Biden
EDITORIAL: Obamacare in intensive care
The president could pay the full price for ignoring Congress
Topic - J. Viso
Related Stories
Andretti team is clear favorite for Indy pole
Everything seems to be lining up for Michael Andretti this May.
"They always play that game," Viso added with a smirk.
"We have a stronger car today than what we started the week with," said Viso, who is from Venezuela. "It's all about finding as much mechanical grip as possible and when it comes time to trim it, you should be in a good position if you do your homework."


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Here is your opportunity to stay in a luxurious designer 2 bedroom, 2 bath condo in Hendersonville's premier downtown location. Beacon Commons is just one block off Main Street – stay just steps away from shopping, dining, theater, and festivals. This lovely fully furnished condo is approximately 1575 square feet with hardwood floors and high ceilings. Cable TV and wireless internet are included for your relaxing stay at The Bluebelle at the Beacon.
This condo features 2 covered parking spaces, elevator, huge master suite with oversized walk in closet and private bath, guest room with 2nd full bath, washer/dryer, gourmet kitchen, dining room, large living room, bar area, desk and balcony
We are located only minutes away from the Historic Downtown Hendersonville home of the NC Apple Festival, The Village of Flat Rock which is home to Connemara -The Carl Sandburg National Historic Site and The Flat Rock Playhouse - The State Theatre of NC, Saluda NC - home of the annual Coon Dog Day Festival, Tryon - home of the Steeple Chase and the ever popular Blue Ridge Bar-B-Que Festival, Brevard - home of the Brevard Music Center, waterfalls galore & the annual White Squirrel Festival, Asheville, our sister to the north, is world famous for the Biltmore Estate, Grove Park Inn & Belle Chere Festival.
Other Activities: Bird Watching, Water Tubing, Snow Tubing
|Rate Period
|Weekend Night
All Year
Jan 1 2014 - Dec 31 2014
4 night minimum stay
|Pet Fee
|Payment Policy: One half of the payment is required upon making a reservation. Payment in full is required 45 days prior to arrival date. If payment is not made with a credit card, we do require a credit card to be on file for any damages that may occur during your stay. Until payment is made we cannot hold a reservation; by making your reservation, you are agreeing to our cancellation policy.
|Tax Rate
|Cancellation Policy: All cancellations must be made in writing or by e-mail. In the case of cancellations more than 45 days prior to check-in, we will refund the entire amount less $100 cancellation fee. If your notice of cancellation is received less than 45 days prior to check-in, you will forfeit the entire amount paid. We strongly encourage trip insurance for those who have any concerns.
Payment is usually accepted in the quoted currency (USD) unless the currency and the amount is specifically agreed in advance with the owner / advertiser.


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|Bankruptcy No. 05-01016
|Chapter 7
|Adversary No. 08-09023
This matter came before the undersigned on January 8, 2009 on the Complaint to Determine Dischargeability. Plaintiff Sarah A. Jackson was represented by attorney Richard L. Boresi. Debtor/Defendant Stephen Kyle Bryant was represented by attorney Henry E. Nathanson. After the presentation of evidence and argument, the Court took the matter under advisement. The time for filing briefs has now passed and this matter is ready for resolution. This is a core proceeding pursuant to 28 U.S.C. § 157(b)(2)(I).
Plaintiff Sarah A. Jackson alleges that debt owed by Debtor Stephen Kyle Bryant to Wells Fargo Bank Iowa ("Wells Fargo") is not dischargeable under 11 U.S.C. § 523(a)(5) or (a)(15)(2004). 1 Debtor pleads that the debt is dischargeable because the evidence satisfies at least one of the prongs of § 523(a)(15) which permit discharge of dissolution debt.
Plaintiff and Debtor divorced on April 22, 2003. In the dissolution settlement agreement, Debtor agreed to refinance the first and second mortgages on their former home. Pl. Ex. 9 at 4. The purpose of this provision was to eliminate Plaintiff's liability on the mortgages. Id. In return, Plaintiff signed a Quit Claim Deed in favor of Debtor on June 18, 2003. Pl. Ex. 8. Debtor succeeded in refinancing the first mortgage but failed to refinance the second mortgage held by Wells Fargo. Debtor filed his Chapter 7 petition on March 16, 2005. Pl. Ex. 10. As a result of Debtor's bankruptcy, Wells Fargo sought repayment of $28,106.03 from Plaintiff. Pl. Ex. 11 at 1.
Since the dissolution, Debtor has remarried. Debtor is a finance manager with Charles Capper Auto Center, Inc. and his wife is a finance director at Johnny Ketelsen RV, Inc. Debtor previously worked at Cedar Rapids Dodge but lost his job in March of 2008. He obtained his current job in June of 2008. According to Debtor's Schedule I, the combined income of his family is $104,988 per year. Def. Ex. H at 2. Debtor lives with his wife and stepchild in a condo owned by his wife. There is no equity in the condo.
Plaintiff has also remarried. She works part-time as a plant liaison at Clipper Windpower, Inc. Her husband is a computer architect at Eagle Technology Management and consults part-time. Plaintiff's combined family income is approximately $109,000 per year. Pl. Ex. 3 at 1. Plaintiff lives with her husband, her two children from the marriage with Debtor, and a younger daughter. Plaintiff and her husband own two properties, their current residence and another property which they rent out.
Section 523(a)(15) provides an exception to the discharge of debt if the debt was incurred by the debtor in the course of a divorce or in connection to a separation agreement unless (1) the debtor is unable to pay; or (2) the benefit to the debtor of discharging the debt outweighs the harm to a former spouse. The plaintiff has the burden to prove that the debt at issue falls within the scope of § 523(a)(15). In re Moeder, 220 B.R. 52, 56 (B.A.P. 8th Cir. 1998). A plaintiff can establish this by showing that the debt was incurred by the debtor through a settlement agreement arising out of a divorce proceeding. In re Ahlf, 354 B.R. 884, 888 (Bankr. N.D. Iowa 2006).
Neither party contests that the debt arose out of their dissolution settlement agreement. The settlement agreement requires that Debtor refinance the second mortgage in order to release Plaintiff from liability. Pl. Ex. 9 at 4. Therefore, the burden shifts to Debtor to prove, by a preponderance of the evidence, that he is either incapable of paying the obligation or that the balance of harm weighs in favor of discharge. Moeder, 220 B.R. at 56; In re Brown, 302 B.R. 637, 643 (Bankr. N.D. Iowa 2003). To obtain a discharge of this obligation, Debtor must establish one of the two prongs of § 523(a)(15). Ahlf, 354 B.R. at 888.
The first prong of § 523(a)(15)(A) permits discharge of dissolution debt if "the debtor does not have the ability to pay such debt from income or property of the debtor not reasonably necessary to be expended for the maintenance or support of the debtor or a dependent of the debtor." This Court applies the Chapter 13 disposable income analysis to § 523(a)(15) based upon the similarity in the language between § 1325(b)(2) and § 523(a)(15). Brown, 302 B.R. at 644. To determine the ability of the debtor to pay the debt, courts consider a number of factors: (1) the debtor's current and future earning potential; (2) whether the debtor's expenses are reasonably necessary; and (3) whether the debtor has sufficient excess income to pay the debt within a reasonable time. In re O'Shaughnessy, 301 B.R. 24, 30-31 (Bankr. N.D. Iowa 2003). The Court may include the income earned by Debtor's spouse when determining Debtor's ability to pay. In re Eiklenborg, 286 B.R. 718, 722 (Bankr. N.D. Iowa 2002).
Itemized expenses must be evaluated to determine whether they are reasonably necessary. O'Shaughnessy, 301 B.R. at 31. This Court has adopted a "lumping method" to determine whether the debtor has the funds necessary to satisfy the debt. Id. This method divides the expenses into two categories: discretionary and non-discretionary. Id. The Court does not require a debtor to "live on bread alone." Debtors are allowed some discretionary spending on items such as entertainment, clubs, recreation, and charity. Id. On the other hand, the debtor must make a "serious effort to pay creditors by eliminating unnecessary and unreasonable expenses." Eiklenborg, 286 B.R. at 722.
Finally, the debtor must be capable of paying the debt within a reasonable time. O'Shaughnessy, 301 B.R. at 31. A reasonable period of time is not limited to the three- or five-year term of a Chapter 13 plan. Id. This Court has previously held that a payment period of ten years was reasonable. Id.
Debtor earns substantial income as a finance manager even when taking into consideration the deterioration in Debtor's earnings from 2002 to 2008. Furthermore, Debtor's wife contributes income to the household. According to Debtor's Schedule I, the combined family income equals slightly less than $105,000 per year. Debtor argues that his future earning potential is tenuous given the state of the national economy and the fact that he only has a high school degree. However, Debtor's ability to obtain a nearly identical position within three months of being terminated from his previous position demonstrates that his experience and skill are a valued asset in his industry. Debtor provided no evidence, beyond the general state of the economy, that indicates his current job is endangered.
Despite Debtor's relatively high income, he claims that his expenses exceed his income by $154 per month. Def. Ex. H at 2. After reviewing Debtor's Schedule J, it is apparent that areas exist where Debtor can eliminate expenses to pay Wells Fargo. Debtor's expenses include a number of discretionary items including Tai's college fund, Debtor's IRA, housekeeping supplies, miscellaneous expenses which include recreation and entertainment, and an "additional personal allowance." The total amount of these categories equal $786 per month. Merely reducing this discretionary spending by 42% frees $330 to pay down the debt. An additional $100 per month will be available when Debtor's legal fees are paid in full and Debtor's wife completes her education. If Debtor reduces these discretionary expenses, he can pay off the debt within ten years, utilizing a 7% interest rate. Debtor's income and expenses are sufficient to pay the second mortgage within a reasonable period of time.
In summary, Debtor has not met his burden to prove he is incapable of repaying the second mortgage.
The second prong of § 523(a)(15)(B) permits discharge of dissolution debt if "discharging such debt would result in a benefit to the debtor that outweighs the detrimental consequences to a spouse, former spouse or child of the debtor." In order to compare the impact of the debt on Debtor and Plaintiff, it is necessary to compare their living standards. "If the [d]ebtor's standard of living is equal to or greater than [p]laintiff's, then discharge of the debt is not appropriate." O'Shaughnessy, 301 B.R. at 32.
Debtor's standard of living is similar to Plaintiff's. This case has few similarities to the case cited by Debtor in his brief, In re Hardin, No. 06-30037, 2006 WL 2662707 (Bankr. S.D. Iowa August 21, 2006). In Hardin, the debtor was starting a career as a chiropractor. Id. at *1. She had relatively low earning potential as the median salary for chiropractors was $53,000. Id. The debtor had $210,000 in education loans and would likely need to borrow another $50,000-$80,000 before she could start earning any income in her profession. Id. The plaintiff had a stable career, earned approximately $76,000 per year, and had undisclosed business income. Id. at *2. Given the significant difference in the income and debt burdens of the debtor and the plaintiff, the court found that the debtor's former spouse was in a better position to repay the debt in question. Id. at *4.
Debtor and Plaintiff each have combined family incomes between $100,000 and $110,000. Unlike the debtor in Hardin, Debtor is an experienced finance manager and not carrying an unmanageable debt load. Debtor and his wife have incurred $24,000 in credit card debt since Debtor's bankruptcy. Def. Br. 3. The budget cuts contemplated above provide for both the credit card debt and payment of the second mortgage while leaving a reasonable amount for the living expenses of Debtor and his dependents.
Neither party owns significant assets that could be pledged to pay for the debt. Plaintiff and Debtor each own their residences but neither has any equity. Plaintiff owns another home that she rents to others but the rent from that property is less than the mortgage payment. Plaintiff has tried to sell the house without success. Finally, Plaintiff has additional expenses from having a larger family. Plaintiff and her husband support a family of five with a yearly income of $109,000. Debtor and his wife support a family of three with $105,000 in yearly income.
In summary, Debtor has not met his burden of prove that the benefits of discharge outweigh the detrimental impact of the discharge on Plaintiff.
The debt owed by Debtor Stephen Kyle Bryant to Wells Fargo falls within the scope of § 523(a)(15). Debtor has failed to prove that he is incapable of paying this debt or that the burden on Plaintiff from discharging the debt is outweighed by Debtor's need for a fresh start. Therefore, this Court concludes that the $28,106.03 owed by Debtor to Wells Fargo is excepted from discharge under § 523(a)(15).
Plaintiff's complaint also includes a claim for relief under § 523(a)(5). Compl. ¶ 9. The record contains no evidentiary support for this claim. Therefore, this claim for relief is denied.
WHEREFORE, Plaintiff's Complaint to Determine Dischargeability is GRANTED.
FURTHER, the debt owed by Debtor Stephen Kyle Bryant to Wells Fargo Bank Iowa is excepted from discharge pursuant to § 523(a)(15).
FURTHER, Plaintiff's claim under § 523(a)(5) is DENIED.
FURTHER, judgment shall enter accordingly.
Dated and Entered: February 3, 2009
|Paul J. Kilburg
|Chief Bankruptcy Judge
1. As Debtor filed his Chapter 7 petition prior to October 17, 2005, this Court applies the version of the Bankruptcy Code in effect prior to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.


text: Students will develop products, to include, but not limited to: multimedia websites, animation, video, and computer programs using leading edge technologies such as the Adobe Creative Suite with a focus on Adobe Flash. This class is ideal for web designers, graphic designers, marketers, and educators. Meets concurrently with credit course INT-1901. Prerequisite: Proficient with Windows/Mac OS. Instructor: Michael Smith. Academic Level Continuing Education Level Subject Data Processing Department Continuing Ed - Open Classes Credits Not Available Prerequisites None Corequisites None Return to Noncredit Course Search Academic Calendar Class Schedules College Catalog Online Learning Bookstore Register For Classes Request Information


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Washington and Lee: Not A Game
Richmond Times-Dispatch
February 18, 2012
Washington and Lee's mock convention is not just an academic exercise. It is more than a game. It enjoys a reputation for accuracy because the participants take their assignments seriously. They study the candidates and the issues. The students do more research than the typical talking head.
Significant figures appear in Lexington as well. This year the gathering heard from Eric Cantor, majority leader of the House of Representatives. His talk served as a Republican response to President Barack Obama's State of the Union address.
Cantor outlined an agenda for growth. He cited the university's motto — "not unmindful of the future" – and its storied past. Cantor defined national exceptionalism not as a natural state but as a virtue the citizenry earns. He called upon Americans individually and collectively to be worthy of the trait.
His economic platform stressed the features that allow Americans to reach their potential. Cantor proposed a tax cut for small businesses and a reduction in red tape. Opportunity invites prosperity and social progress.
A few days after the mock convention predicted the nomination of Mitt Romney, the GOP's congressional leadership said it would support an extension of the payroll tax holiday and would not try to attach other issues to the proposal. Cantor delivered an excellent speech at Washington and Lee. His team made the right call.


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Posted on Sun, Sep. 03, 2006
[size=13pt]Stuck with Koren[/size]
Pioneer Press
It appears that a 13-year-old Huron, S.D., boy who mowed lawns to save $55 to buy a Koren Robinson Vikings jersey from a Mall of America store, then wanted to exchange it for another player's jersey after the former Vikings wide receiver was arrested last month, is stuck with the jersey.
Jeff Duffy, the father of seventh-grader Jarren Duffy, said the Vikings Locker Room store at Mall of America told him Saturday that because the jersey had been worn (once to a Vikings game) and the sale tag removed, it would not exchange it for that of another player. Duffy has the sale receipt.
A Vikings Locker Room manager refused comment when contacted Saturday by the Pioneer Press. The manager said the store is not owned by the Vikings and is independent of the NFL team.
"I went to buy his (Robinson's) jersey because he used to be my favorite player," Jarren, a wide receiver at Huron Middle School, said Saturday.
Jarren and his father were in Minneapolis to attend two Twins games and the Vikings-Raiders game. Jarren bought the jersey Aug. 12; Robinson was arrested Aug. 15 and charged with drunken driving and fleeing police. That is when Jarren decided to try to exchange his No. 81 Robinson jersey.
"I wanted a player who doesn't get into trouble and stuff like that," he said.
What Jarren would like now, he said, probably is a jersey of fellow South Dakotan Chad Greenway, the Vikings' first-round draft pick who has been lost for his rookie season because of a knee injury.
The Vikings Locker Room's refusal to exchange the Robinson jersey has resulted in a handful of offers nationally and internationally from people wanting to buy Jarren another jersey.
But, his father said Saturday, "I told all the people who offered that I can't justify them spending their hard-earned money on us. Fifty-five dollars doesn't break our budget. We don't want our money back, just a different jersey."
So now Jeff and Jarren are considering covering Robinson's name on the back of the jersey with white adhesive tape and replacing the name with that of whomever wears No. 81 this season.


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Herbed Pizza Dough: Eat Little, Eat Big
Ugh. I am a "yeast-challenged" cook. Notice, I said "cook", not baker. Oh, I can bake cookies, turn out a mean bundt cake, and pies and cobblers and pie crust do not intimidate me in the least. But just say the word YEAST and I start to sweat. Most all of my bread attempts that include yeast can be summed up like this: "Help, I've fallen and I can't get up!" Kneading is not my problem. Proofing my yeast before using is not my problem. Just getting the dough to rise at the right temp, well, that's my problem. When I saw this post, I promised myself I would fix this once and for all!! Susie who lives in Maui and blogs at Eat Little, Eat Big received Dee's blog, On The Move-In The Galley, who lives in Seattle half of the year, and cruises in their motor vessel, Rhapsody, the rest of the year. Susie said . . .
"I had never made dough with semolina flour before. It gave a nice structure and color to the dough. I loved adding in the herbs to the dough for more flavor. I did find the dough a bit persnickety when it came to shaping, but persistence paid off and we really enjoyed this new dough recipe. LOL, Mr. ELEB just walked by as I am typing this and said "That pizza was really good!" as he looked at the pictures. And there you go. What better endorsement?"
Check out the recipe for Herbed Pizza Dough.


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NCTA Mixed Doubles TournamentAug. 17-18
PLATTSBURGH — The North Country Tennis Association will hold its annual mixed doubles tournament the Aug. 17 and 18th at the Plattsburgh High School tennis courts. There will be two divisions: Men's Open and Women's Open, along with consolation rounds for each.
Deadline for entries is Aug. 14. Entry fees are $15 for members and $20 for non-members.
To register, contact tournament director Leigh Mundy at 572-9111 or firstname.lastname@example.com.
Seton Catholic seeking soccer coaches
PLATTSBURGH — Seton Catholic is looking for modified girls' and boys' soccer coaches. If interested, contact firstname.lastname@example.com.
TC Skills boys' basketball camphas openings
PLATTSBURGH — Session II of the TC Skills boys' basketball camp, run by the Plattsburgh State men's basketball coaching staff, still has openings and is accepting registrations. The camp runs from Aug. 12 to 15.
For more information, contact Cameron Conover at firstname.lastname@example.com or 564-4151. Walk-in registration is available at 8:30 a.m. Aug. 12 at Memorial Hall.
Kilkeary scholarship golf tourneyon Monday
PLATTSBURGH — The second-annual Mitchell Kilkeary Scholarship Golf Tournament will begin with an 8 a.m. shotgun start on Monday at Bluff Point Golf Resort. Golfers are asked to arrive at 7:30 a.m. for registration.
Hole assignments
1- Pat Reilly, Dan Kilkeary, Kevin Kilkeary, Joe Kilkeary
1A- Kevin Kilkeary, Tina Kilkeary, Eric Jacobsen, Candis Leopard
2- Mack Kilkeary, Alex Pierce, Raul Hernandez, Ethan Crockett
2A- Jake Kelly, Kevin Kilkeary Jr., Connor Good, Kyle Miller
3- Keith Kilkeary, Jake Kilkeary, Kevin Kilkeary, Bob Harris
3A- Rob Shumway, guest, guest, guest
4- Dylan Esposito, Michelle Esposito, John Esposito, Derek Lavigne
4A- Frank Buksa, Frank Buksa, Brandon Buksa, guest
5- Bruce Shiflett, guest, guest, guest
6- Hector Duquette, Gary Duquette, Dennis McCarthy, Dale Trombley
6A- Billy Hunt, Butch Proctor, Vinny Grom, Kerry Case
7- Rod Harvey, Bill Dann, Donald Green, Porky Johnson
7A- Jerry Maggy, Chris Maggy, Tom Murnane, Tom Murnane Jr.


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BeschreibungAccording to the ratings, this is an app you'll either love or hate. Half of the ratings are 5 stars, half are 1 star. Download to see which half you belong to.
If you're lucky you'll find the app packed with funny quotes, cool jokes, fun facts and random trivia. Share via SMS, twitter, and more.
Hope you'll enjoy.


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Toy Story Of Terror! spoiler-free review
Mark takes a spoiler-free look at Pixar's Toy Story Of Terror!, airing on Sky Movies in the UK on the 27th of October...
While rumours abound that a fourth Toy Story feature is still on the cards, Pixar Animation Studios has found another, very successful outlet for their most beloved characters. 2010's Toy Story 3 wrapped up a pretty much perfect trilogy, but Woody, Buzz and the rest of Bonnie's toys have carried on in a series of hugely enjoyable Toy Story Toons.
Now, just in time for Halloween, they're the stars of Pixar's first TV special, Toy Story Of Terror! Bonnie and her mother are forced to stop off in the SleepWell motel during an overnight drive, while the toys are kept awake by a horror movie, and by Mr Pricklepants' disturbingly accurate comparisons between their situation and the classic dramatic structure of that genre.
Starting with Mr Potato Head, the toys begin to disappear one by one, tumbling into a mystery that will force Jessie to find a way of confronting her greatest fear. It's in that much at least that Jessie takes centre stage for this special, exploring her character in more depth than we've seen than the soul-shaking When She Loved Me number in Toy Story 2.
One of the big pleasures of this one is in seeing how writer-director Angus Maclane has revisited certain aspects of Toy Story 2, particularly involving the value of Woody and Jessie as collectables, but the continuity references don't stop there either.
The major new toy character this time around is Combat Carl, voiced by Carl Weathers. If the name rings a bell, we saw Sid blow one of them into smithereens in his backyard in the first film. As a character, he seems appropriately traumatised, and Weathers has some great moments, referring to himself in the third person and launching himself into the thick of the action.
As far as voice acting goes, it's Timothy Dalton who steals the show as Mr. Pricklepants, one of the less explored characters introduced in Toy Story 3. This time around, he's hilariously re-purposed as a meta-hedgehog of horror, creeping out the other characters with his ominous and slightly excitable tour of genre tropes and clichés.
And if you're slightly put off by the shonky voice acting in the otherwise lovely Sky Movies advert that has promoted the special in the UK, then have no fear- Tom Hanks, Tim Allen, Joan Cusack and all the other original voice actors are back on board here, just as they were for the Toy Story Toons.
As in those shorts, the special also dedicates screen time to exploring areas of toy life that were unexplored in the main features. This time around, we see how Pez dispensers get on when nobody's around, a really funny spoof of a Transformer, and a brief, but completely satisfactory answer to one of my personal burning questions about Toy Story- what happens to Lego?
If there's a criticism of Toy Story Of Terror!, it would only be that the script isn't quite up to the standard of what has gone before. It's longer than the shorts, but not quite long enough to really get its teeth into the kind of storytelling that has characterised the franchise. But if it feels a little rushed, it's only because it's so enjoyable, at its best.
It's also most likely to send a shiver up your spine for the lack of Hamm - it's understandable that certain characters are missing, especially with the strong Jessie arc at the centre, but something about Toy Story without John Ratzenberger's snarky money bank just feels wrong. Likewise, it's always nice to see the little green men, but they're seemingly cut in order to keep it straightforward too.
As to the actual terror - sorry, I mean, Terror! - those viewers who have young fans in the house needn't be too worried about the special being scary. Although it pays some quite lovely and often hilarious homages to the genre, including Predator, Psycho and Night Of The Living Dead, there's nothing that will really terrify young kids here.
That said, Maclane makes particularly ingenious use of how tough it can be for a toy to manoeuvre through an environment in which you're only 1/16th the scale of the people who live there. Michael Giacchino, (who is quickly establishing himself as the next great movie composer) also helps to ramp up the spook factor, with his excellent score. But if anything, this is less intense than the sequences in Sid's room from Toy Story, and kids should enjoy those scary parts as much as the very funny comedic side.
What we have instead is an instantly rewatchable Halloween special that should become a fixture in the slightly repetitive viewing patterns of young kids, right alongside the trilogy of feature films and the excellent short Toons.
Even if it feels a little madcap and hectic, Toy Story Of Terror! packs a lot into its twenty minutes, including a laugh-out-loud hilarious credits scene and even some further character development for some of our heroes. Even a structural stickler like Mr. Pricklepants can appreciate how this turned out. And he actually does, metatextually. Meta-hedgehog!
Toy Story Of Terror! will premiere in the UK on Sky Movies on October 27th.
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Sky Movies only? gah! We don't have that.... ah well, hopefully It'll come on Sky One at some point.
ooh shock, so to see this, I'll have to subscribe to Sky movies and line Sky's over priced pockets to see it. No chance, I'll wait till the DVD appears.
*cough* Torrent *cough*
why is everything weeks and months ahead of time, its not halloween yet for weeks this should be on on halloween night texco have had xmas craps since september
its only the 19th of October. why is everything weeks and months ahead of time, its not halloween yet for weeks this should be on on halloween night texco have had xmas crap since september
Because they'll be trick or treating.
I watched this is a quadruple bill along side Small Fry, Party Saurus Rex and Hawaiian Vacation.
Of the four, TSoT was easily the weakest. Whilst still good, it lacked the real depth of imagination when it came to the detail of the every day life of toys. Each of the other TS shorts had more going on in under 10 minutes than this one did in nearly twenty. I don't know how the reviewer found it hectic!
The concept of the piece is fairly sound, but there was more than a little over lap with TS2 and once established, it felt it took a while for the inevitable conclusion to play out.
The new characters were good, I especially enjoyed how they used the Pez dispenser.
If this makes any sense, it was good despite being the worst bit of the Toy Story universe to date. They set their bar incredibly high.
Guess who bids for woody?? It's AL for toy story 2. If you recorded the show and pause at the part where the hotel manager is packaging woody the shipment document says AL and it is going to the toy barn.


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Although batik is produced in other parts of the world, Indonesia can be considered its spiritual home and where the art form has been developed to the greatest level of sophistication. Batik cloth is probably Indonesia's most famous artistic and cultural legacy and was recognized by UNESCO in 2009 as part of the Intangible Cultural Heritage of Humanity; an award that reflects the continuing importance that batik plays in the cultural life of the Indonesian people.
Batik in Indonesia plays many roles: a sophisticated art form; a vital part of the nation's cultural heritage; a symbol of national identity (particularly in batik-producing regions); a promotional tool for tourism, both as an image of the country and as a draw for special-interest tourists; and as a contributor to economic development. Batik production employs hundreds of thousands of people throughout the country, mainly in small enterprises, contributing effectively to the development of often quite poor villages and small towns.
Batik is popular for a number of reasons. For many Indonesians it offers a link to the traditions of the past, particularly in Java where it is a symbol of identity and still used in cultural ceremonies. Batik is also appealing because it is so striking: in color and in design. Batik is produced in a wide variety of colors and with huge variation of motifs making it extremely versatile. Traditional hand-painted baju batik is extremely durable, meaning that a single quality piece can last for generations. For many tourists, batik is a perfect memento of a holiday in Indonesia: exotic, traditional and colorful. Other than for clothing, batik cloth can be used in a number of different ways, such as for accessories, home furnishings and wall hangings, as well as a medium for painting. A final, perhaps understated reason for the popularity of batik can be found in its largely stylized or geometric motifs, inspired by Islam, which means that batik can have an intrinsic, universal appeal.
For centuries, Indonesian batik played an important role in the cultural and social life of its community; clothing kings and commoners alike; used in wedding ceremonies and rituals associated with the harvest; and cast into volcanoes to appease the gods. In the 1960s however, batik began to be associated with Indonesian nationalism. The batik shirt was popularized as a formal alternative to the Western-style suit for Indonesian men, as the newly independent nation tried to create a new identity and distance itself from the colonial regime. Batik lost popularity in the following decades as the country modernized and Western fashions became increasingly ubiquitous. However, batik sarimbit around the turn of the new millennium, interest in batik was renewed, in part due to efforts by Indonesian fashion designers who incorporated innovative designs into traditional forms of clothing such as the kebaya. Batik is becoming increasingly more fashionable, particularly amongst the young, and is often worn instead of a Western suit at work or at wedding receptions. Following the UNESCO announcement in 2009, the Indonesian government encourages the wearing of batik in workplaces on Fridays. Indonesian President Susilo Bambang Yudhoyono often wears batik shirts, as do many other politicians and public figures, and Nelson Mandela, former President of South Africa is also fond of batik.
There was widespread jubilation in Indonesia when UNESCO recognized Indonesian batik as an important cultural item, partly due to a disagreement with Malaysia over which country could claim historical origins of the art form. There has been a long running rivalry between the two nations, on occasion over territory but more commonly due to disputes over shared cultural practices. Malaysia has developed a sophisticated tourist industry that dwarfs its neighbor's but many Indonesians felt that this was in part because it was claiming to be the origin of various cultural practices, such as songs, dances and batik production. The dispute went as far as the governments of the respective countries, who were moved to make pronouncements to calm the ill-feeling. The argument has since settled down, on the Indonesian side largely due to UNESCO's recognition which offers a safeguard to a proud local tradition. The reality of the matter is that while the two countries are culturally very close, and regions of Indonesia and Malaysia both produce batik, the finished product is actually quite different, in color, design and technique. The dispute could be seen as arising from the fact that the two countries use the same word for what is often a quite distinct art form.


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iPad 2, iPhone 5 to include NFC, Apple to become massive money machine?
Bloomberg citing an analyst citing "engineers who are working on hardware for the Apple project" reports that Apple will be including NFC (Near-Field Communications) technology in their upcoming iPad 2 and iPhone 5 product revisions, along with the killer iTunes Store transactional system to back it up.
The main goal for Apple would be to get a piece of the $6.2 trillion Americans spend each year on goods and services, Crone said. Today, the company pays credit-card processing fees on every purchase from iTunes. By encouraging consumers to use cheaper methods -- such as tapping their bank accounts directly, which is how many purchases are made via PayPal -- Apple could cut its own costs and those of retailers selling Apple products.
NFC is an RFID-related technology that allows for secure, close range data transfer including but not limited to payment information. Google has already begun including NFC in their Nexus S Android handset though they lack an iTunes-like infrastructure with millions of active, international users to bolt it onto. Similarly traditional credit card companies and other online checkout systems like PayPal lack incredibly popular consumer electronic devices as front ends.
The report also claims Apple is exploring loyalty/rewards/referral programs, tying in iAds to NFC data, and even offering subsidized or free processing terminals to small retailers to blow out deployment.
While not all of this may turn out to be accurate or true, if Apple can accomplish an NFC front end to an enhanced iTunes payment system it could redefine yet another industry and potentially its largest ever.
Are you ready for a future that's cash, credit, or iTunes?
There are 32 comments. Add yours.
I was initially against this kind of thing for security reasons, but if this feature could be turned on and off as needed, it would actually be safer than carrying a radio card in your wallet that can be scanned by any passerby with the right equipment. So I may like this.
Having a Nexus S myself, I can say (at least with Android's implementation) the option can be turned on and off. And if Japan has been using it for a decade or more with no serious problems, I'm sure security isn't much of an issue.
I don't get the "be everything" mentality of companies these days. The more Apple diversifies, the weaker each individual product becomes. Thus far, it isn't hugely noticeable - but as it stacks up it will become that way.
Is Apple wanting to be like Taco Bell in Total Recall?
uhhh sounds stupid. NFC is supposed to be like a credit card. Just one way of accessing your bank account. Theres no point in trying to tie it to itunes because itunes doesn't even exist in the real world. You just click buy and youre done. NFC is for REAL WORLD transactions.
Yea but if you could link the NFC to your iPhone banking app, then a person could use there phone as a credit card.
This sort of thing shouldn't make anyone but Apple excited. How is it easier to wave my iPhone over a receiver than swiping my bank card? It's just like the stupid "blink" feature on Visa cards. I never use it because it's not easier.
I think the implementation of NFC is a bit better than Blink.
I get what you saying though, because two jobs I worked at used Blink and it was dumb (except for the American Express version). Every other one had you tap it...but you still had to do prompts and sign for it.
I think NFC will be like the AX version...where once you tap it, you're good to go. And it being tied to your phone...well in this day in age, who ISN'T carrying around a phone? So it's inherently easier to snap it off your clip and scan rather than pull out your wallet/purse, card, swipe, make sure you put your card back, and so on and so forth.
It just seems to me like a ploy to get a piece of Visa/Mastercards cut and companies are selling to the public like it's going to be so great.
Well...that's exactly what it is, lmao.
But it is a simpler way of doing things in a phone-centric world also.
I would say as long as it doesn't cost us, then it's all good. But seeing as only Nexus S owners (which me number in the VERY small minority) are the only ones with that tech...it will cost for everyone to get in on it...so eh. :(
Depends on how it's implemented.. if swiping my phone with NFC chip means getting the receipt automatically sent to my phone . . that would be perfect for business transactions especially.
Rene...this iTunes addictions is all good...but I think you forget one thing to have "unity" amongst other NFC providers.
Google has Google Accounts, or better specified, Gmail. Millions upon millions. SImply log in with that and you're tied into whatever NFC system they wanna use.
PayPal has the access of apps. Seeing as the NFC feature will be dependent on hardware anyways...PayPal will have access to both Android, iOS, and whoever else implements this.
A last option (although I would hope it never does happen) would be to simply have the carrier host it also. But that would be a horrible mess. Blah!
No. I'll pass, and I agree that Apple is trying to diversify too much (Ping, anyone?). A little diversification is fine, and necessary, but they seem to want their finger in every orifice now and it's hurting their focus.
Very nice, i really liked reading this article and thanks for sharing it !!
I have been through with another blog which was about the same news; if you are interested so you can visit that blog as well... it was http://www.imakerz.com/blog
I don't know of any company with NFC/RFID already in use other than gas stations and Best Buy in the US. My debit card has this and I don't find it any more/less convient than just swiping the magnetic strip like we have been doing.
Having to worry if this NFC stuff is turned off on my phone to be protected from pocket scanners in crowds is a hassle I do not want or need. Seems un-Apple to introduce something we have to think about it.
Oh yea and having something like this tied directly to my bank account is the last thing I want. Credit/Debit cards off another layer of fraud protection that many people want.
I agree with you really. I don't need to have to worry about losing my phone or something like that and thus losing my bank account with it. I'm fine pulling my wallet out and swipping my card for transactions like I have been doing for years and years.
come on people .. enough...
how is it any different than losing your credit card? if anythign it's even better. you can always set some of password protection on ur phone if that worries you...you can also kill your phone quicker than you can cancel your credit card..
so how is it any worse?
The on and off problem could easily be remedied by having it set like BT discovering. You can quickly and easily turn it on. You forget to turn it off, it cuts off after a set amount of time.
But as I stated earlier, if it's been used in Japan for this long...there has to be more security to it than we're seeing.
I'm going to have to look more into this.
Well a bit of Google'n and these are the perceived aspects of security problems that could present itself:
NFC offers no protection against eavesdropping and is also vulnerable to data modifications. Applications have to use higher-layer cryptographic protocols (e.g., SSL) to establish a secure channel.
The RF signal for the wireless data transfer can be picked up with antennas. The distance from which an attacker is able to eavesdrop the RF signal depends on numerous parameters, but is typically a small number of meters.[13] Also, eavesdropping is extremely affected by the communication mode. A passive device, which does not generate its own RF field is much harder to eavesdrop on than an active device. An Open source device which is able to eavesdrop on passive and active NFC communications is the Proxmark instrument.
Data modification
Data destruction is relatively easy to realize. One possibility to perturb the signal is the usage of an RFID jammer. There is no way to prevent such an attack, but if the NFC devices check the RF field while they are sending, it is possible to detect it.
Unauthorized modification of data, which results in valid messages, is much more complicated and demands a thorough understanding. In order to modify the transmitted data an intruder has to deal with the single bits of the RF signal. The feasibility of this attack, i.e., if it is possible to change the value of a bit from 0 to 1 or the other way around, is amongst others subject to the strength of the amplitude modulation. If data is transferred with the modified Miller coding and a modulation of 100%, only certain bits can be modified. A modulation ratio of 100% makes it possible to eliminate a pause of the RF signal, but not to generate a pause where no pause has been. Thus, only a 1 which is followed by another 1 might be changed. Transmitting Manchester encoded data with a modulation ratio of 10% permits a modification attack on all bits.
Relay attack
Because NFC devices usually include ISO/IEC 14443 protocols, the relay attacks described are also feasible on NFC.[14][15] For this attack the adversary has to forward the request of the reader to the victim and relay back its answer to the reader in real time, in order to carry out a task pretending to be the owner of the victim's smart card. One of libnfc code examples demonstrates a relay attack using only two stock commercial NFC devices.
Lost property
The very simple problem of losing the mobile phone and therewith opening access to any finder of the property is not addressed. Either the NFC RFID card or the mobile phone will act as a single-factor authenticating entity, beyond the fact that the mobile phone is protected with the PIN code, again as a single authenticating factor. Hence the basic way of defeating the lost-property threat requires an extended security concept including more than one physically independent authentication factor.
Walk off
Once lawfully opened, access to a secure function or data is usually protected by time-out closing after a period of inactivity. Modern attacks may succeed, despite provisions to shut down access when the user turns inactive. The distance of a successful attacker to the locus of lawfully granted access is not addressed with any of the described concepts
If it's as easy to use as my current credit card and as safe or safer, then I'm all for it. I could stop carrying the two credit cards I tote around. To me, it's all about pocket bulk ;)
But if it's four on-screen prompts followed by a confused Jewel employee like CardStar, then I'll pass.. I don't really see how it could become mainstream enough to let me ditch my cards successfully.
NFC = National Football Conference to me. This other stuff, what's that about? Boring. When vending machines, fast food joints, stores, basically a lot of places, I'll think about it. Today, boring. NFC on the hand. Love the hysteria in Chicago!
I wonder if that will legally make Apple a "bank". For example, will they have to be regulated by the Fed/Treasury?
I think will lead to a new product called "iPay"
Anything that scares Visa, MasterCard and Paypal is good news. Those companies are in need of having some fresh competition.
you guys are acting as if credit cards are any safer..
the most important thing is to get a provider who offers protection against fraudulent charges... all my credit cards have had that.. so I'm all for this technology
I think it was from Wired or something, but part of the reason why iTunes is so financially viable/affordable is that unlike other creditors who charge per transaction, iTunes normally aggregate transactions so that the credit card transaction cost is drastically lower.
If Apple and or iTunes can transfer this kind of aggregation for other retail use, those other retailers could have big gains.
Why yes I am! Of course there will be consumer protection, including FDIC insurance for Apple...Bank...
Apple Bank! That sounds right. I'll have my desktop, cell phone, tablet, TV and newspapers all through Apple and why wouldn't I want to just do an auto-pay so that my Apple Bank checking account automatically pays for all of my (Apple) products and services? It would only make sense. In fact, I want Apple for President and so as to stop all the bickering in DC, Apple for both Houses of Congress. We could put the iMac on the $5 bill, the Magic Mouse on $10, Mac Pro goes on the $100 and let's not forget the founder, on the $1, the #1 man of the millennium, Steve Jobs.
I'm for it! No, really! :D
I must know where you got your layout from im trying to start my own blog and yours is the coolest.


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Bexley Council responds to South London Healthcare Trust report (From News Shopper)
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Bexley Council responds to South London Healthcare Trust report
2:37pm Thursday 13th December 2012 in News By Tim MacFarlan, reporter
BEXLEY Council has issued its response to a report on the future of healthcare in the borough.
The council has broadly backed the proposals of Trust Special Administrator Matthew Kershaw after he delivered his views on the future of South London Healthcare Trust at the end of October.
A council statement offers support for investment in health services at Queen Mary's Hospital in Sidcup and favours a new approach to community-based care for older people.
Other points included the retention of the name 'Queen Mary's Hospital' rather than 'Health Campus' and concern over the potential closure of A&E and maternity units at Lewisham Hospital.
Bexley Council leader Councillor Teresa O'Neill said: "Given the severity of South London Healthcare Trust's financial problems there is clearly a need for swift and decisive action to get things back on track.
"Provided the proposals are implemented quickly and efficiently we think they will generally be good news for local residents."
Consultation on the proposals will end at midnight tonight (Thursday, December 13).
Visit tsa.nhs.uk to register your views and bexley.gov.uk to see the council's full response.
Matthew Kershaw was appointed to run SLHT after it was plunged into administration in July having ended 2011 with a deficit of £69m.
He will make his final recommendations on the trust's future to health secretary Jeremy Hunt early next year.
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Sudbury Public Schools has announced it has closed school for the day on Monday, Oct. 29, due to the impending storm.
Superintendent Anne Wilson said in an email to Sudbury Patch that a message has been sent to all parents and staff in regards to the school closing.
"We will update families by tomorrow evening regarding whether or not school will be open on Tuesday, Oct. 30," Wilson wrote. "Student safety is our first priority and this along with information available regarding power outages, road hazards, etc. will guide our decision for Tuesday."
Hurricane Sandy is expected to be at its worse tomorrow afternoon, and Gov. Deval Patrick at a press conference this afternoon requested all schools, public and private, be closed Monday. Additionally, he's asking that private companies allow their employees to stay home.
Check Sudbury Patch for more details on the storm as it unfolds.


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From way out east, "That Guy" Jeff hosts the show, while "This Guy" Marshall is in Studio "A" for another entertaining episode of the winnipegwhiteout.com Jets Hockey Podcast.
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Led Zeppelin Launch New Film In London
The three band members were on hand for a press conferenceJohn Paul Jones, Jimmy Page and Robert Plant were in London today to give the media a preview of their brand new live film, Celebration Day, and to take part in a Q&A.
While there were no particular revelations Jimmy Page and Robert Plant teased fans by refusing to rule out another live show. When asked about the possibility of further shows Page simply said "Can I just ask you all if you enjoyed the film?", and when pressed for an answer Plant said "That would be kiss and tell" (which, if memory serves, is the first time he's not emphatically ruled out a reunion since 2007)
They also spoke about the night of the reunion show at the O2, with Page saying that it felt "right" from the very first note and Plant adding that it felt "amazing" to be playing together, even if it does prove to be the last time.
Celebration Day will land in UK cinemas on 17 October before a general DVD, Blu Ray and CD release on 19 November.
The band also released another clip from the film to whet your appetite before the film comes out:
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