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September 28, 2009
Contact: Meg Casper, email@example.com
BATON ROUGE, La. – Members of the Postsecondary Education Review Commission recommended increasing admission standards to improve graduation rates today. The motion, introduced by David Voelker and accepted unanimously by the commission, is below:
"The management boards for the Louisiana State University System, the University of Louisiana System, and the Southern University System work with the Board of Regents and the Legislature to strengthen admission requirements at all four year universities. This process should begin immediately so that the following goals are met by 2018.
- The SREB I university should raise admission requirements to a level that projects at least a 75% graduation rate for the freshman class that enters in 2012. This goal should also apply to the admission of transfer students.
- SREB II institutions should raise admission requirements to a level that projects at least a 60% graduation rate for the freshman class that enters in 2012. This goal should also apply to the admission of transfer students.
- All other four-year institutions should raise admission requirements to levels that project at least a 50% graduation rate for the freshman class that enters in 2012. This goal should also apply to the admission of transfer students.
- All four-year institutions should significantly reduce and minimize the use of exceptions to admission policies, including (1) the admission of students who are in a certain percentage of their high school graduating class without regard to quality, (2) the lack of a required minimum grade point average on the core curriculum, and (3) the admission of students requiring developmental courses
- All four-year institutions should be required to (1) clearly articulate criteria for exceptions to admission policies, which should be based on legitimate educational disadvantages and the student's potential for success, and (2) regularly publish the rationale for any exceptions granted.
The Board of Regents shall create and provide for the implementation of a policy that underwrites the achievement of these goals with incentives."
In Louisiana, Louisiana State University A&M is a Southern Region Education Board-I (SREB-I) university. Louisiana Tech University, the University of New Orleans, the University of Louisiana at Lafayette are SREB-II institutions. Louisiana's other four-year institutions include Grambling State University, Louisiana State University at Alexandria, Louisiana State University at Shreveport, McNeese State University, Nicholls State University, Northwestern State University, Southeastern Louisiana University, Southern University A&M, Southern University at New Orleans and the University of Louisiana at Monroe.
The next meeting of the Postsecondary Education Review Commission will be November 16-17, 2009. The topic of the two-day meeting will be academic programs including role, scope, and mission of colleges and universities and how they serve their geographic areas. The December meeting is scheduled to focus on funding for higher education including discussions on tuition.
Those unable to attend the meetings in person can watch the proceedings live via the internet by logging onto the Postsecondary Education Review Commission's website, www.laperc.org. Additionally, the public may provide input to the commission in two ways – by attending the meeting, or by clicking on the "Tell Us What You Think" section of the website.
The 2009 Louisiana Legislature, with strong support from Governor Jindal, passed legislation sponsored by House Speaker Jim Tucker (Act 309) creating the Postsecondary Education Review Commission to study the governance, facilities, funding, operations, and number and alignment of degree programs at Louisiana public colleges, and to provide a written report of findings and recommendations to the Board of Regents by February 12, 2010. The Board of Regents will review the report and submit comments to the Legislature no later than February 26, 2010.


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For Immediate Release
For more information contact:
Ali Glisson
, Public Affairs Director
(813) 274-8262
Mayor Buckhorn Hosts Celebration of the City of Tampa's History with Our Mayors
Tampa, FL
November 18, 2013
- Mayor Bob Buckhorn host a Celebration of the City of Tampa with our Mayors on Tuesday, November 19, 2013, at 4 p.m., in the City's Courtyard between Old City Hall and the Tampa Municipal Office Building at 315 E. Kennedy Boulevard.
Mayor Buckhorn will join Mayor Greco, Mayor Freedman, Governor Martinez, and Mayor Poe for the celebration. The event, which recognizes all 126 years of history of the City of Tampa, is free and open to the public.
Several exhibits will be on display inside and outside of Old City Hall. These include the official Mayoral portraits produced by Ric Savid, Tampa's ninth Photographer Laureate; copies of The Mayors of Tampa book, which covers the history of all the mayors from Joseph Lancaster to Bob Buckhorn; a Lego replica of the block surrounding City Hall; and a Tampa Bay History Center exhibit.
A brief program will commence at 4:00 p.m. with presentations by Mayor Buckhorn. Musical entertainment will be provided by Saxophonist Sam Allen and the City of Tampa Gospel Choir.
For additional information, please contact the Office of City Clerk, at 813-274-8397.
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text:
Weather Tests M&A Climate
January 3, 2008 12:55 PM
Landmark Communications president and CEO Decker Anstrom confirmed a report that appeared in the New York Times today that the company has retained JPMorgan Chase to sell the Weather Channel and Lehman Brothers to handle Landmark's other holdings that include two powerhouse TV stations in Las Vegas and Nashville and several newspapers.
Among the interested buyers of the Weather Channel and its popular weather.com site are General Electric, News Corporation and Comcast Communications. Anstrom told me those companies were potential buyers but also said there were others.
He said he expects the sale to go quickly and that he probably would not be a part of the transition if a sale indeed takes place. "I am the biggest redundancy," he said about what role he might play with a new owner.
The Weather Channel assets alone are expected to fetch north of $5 billion, but a deal is far from done, although Anstrom suspects it will happen quickly.
Staffers were notified by email that a sale might be pending and business unit managers held town meetings to openly discuss what was going on at the privately held company. A deal indeed sounds imminent, given that employees were given details about severance, 12 weeks for all employees who might be affected, plus two weeks per each year of service.
Whether a deal happens quickly is another story in this economic climate. CNBC reported today that merger and acquisition activity for 2008 has had its slowest start out the gate in eight years.
So, for the oddsmakers out there, which media giant will buy the Weather Channel and how long will the deal take, given the business climate so far?


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By Catholic Online (NEWS CONSORTIUM)
12/26/2013 (7 months ago)
Catholic Online (www.catholic.org)
"Sexting," the sending of explicit nude photos and sexual messages through Smartphones is as prevalent as ever among the nation's teenagers. A new study has found that teenagers who engage in these practices, especially young girls, put them in danger of engaging in risky sexual behavior.
By Catholic Online (NEWS CONSORTIUM)
Catholic Online (www.catholic.org)
12/26/2013 (7 months ago)
Published in Marriage & Family
Keywords: Sexting, teenagers, explicit photos, teenage sex
LOS ANGELES, CA (Catholic Online) - The three-year study into teenagers' sexting habits yielded interesting findings about these teens' sexual behavior. "Teen Sexting and Its Association With Sexual Behaviors," as published in July's issue of Pediatrics & Adolescent Medicine, examined 1,000 subjects, aged 14 to 19 years of age. These subjects were from seven public high schools in Texas.
Researchers found that 28 percent of the teens said that they have sent a nude picture of themselves via text or email. Fifty-seven percent said that they have been asked to send nude photos.
In regards to "sexts" - sexually explicit text messages, there wasn't much of a statistical difference between boys and girls. There was a significant gender discrepancy when it came to how those sexting practices affected their other sexual decisions.
It was found that teen girls who engaged in sexting behaviors also had a higher prevalence of risky sex behaviors, including multiple partners and using drugs or alcohol before sex. Researchers concluded that the use of sexting behaviors coincides with a much higher engagement in risky sex behaviors.
Teenage boys, on the other hand, for whom only having been asked for a sext was related to risky sex behaviors. Sexting, like actual sexual behaviors, is perceived more permissively and positively for boys, and thus not considered a risky behavior. In conclusion, it was less likely to be associated with other risky behaviors.
Girls also reported being "bothered" by requests for nude photos more than boys - by a margin of 27 percent to three percent. Most teenage boys, it was learned, either didn't mind or actually liked receiving such a request.
There is also a racial disparity as in who was sending and receiving sexts. Whites and African Americans were found to be far more likely to be engaging in this behavior than Hispanics or Asians.
Sexting remains a fairly common practice among today's youth. Many believe that the practice is not harmless. Another recent survey has linked teen sexting to depression and other forms of psychological distress.
Whatever the position people take on this practice, experts agree that parents must include the topic whenever discussing sex with their teenage children.
St Ramon Nonato Holy Card
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By Catholic Online (NEWS CONSORTIUM)
With a freakish head 37 inches in circumference, a three-year-old Indian girl has underwent surgery to reduce her deformity. Arduous hours of surgery later, she's smiling for the first time with a more normal-sized head. LOS ANGELES, CA (Catholic Online) - ... continue reading
By Adelaide Mena
Is the disordered homosexual lifestyle destroying our great American culture? Strasbourg, France, (CNA/EWTN News) - The European Court of Human Rights ruled that the refusal to recognize same-sex "marriages" does not violate the European Convention on Human ... continue reading
By Andrew M. Greenwell, Esq.
There are many Catholics who are "unready" Catholics, that is, operating under ill advice or bad counsel. They have adopted the counsel of sophists, satanists, or doubt-sowers, and have departed as a result from the teachings of the Church. Their ... continue reading
By Andrew M. Greenwell, Esq.
The first step for a Catholic to recognize his obligation to oppose same-sex "marriage," if he does not see it or comprehend it, is to rid himself of the flawed moral heuristic (a moral rule of thumb or short cut) some ideologue has chosen and which may be blinding him ... continue reading
By Catholic Match
Every couple that meets on CatholicMatch moves at their own pace. For some, it's important to move from online connection to a face-to-face date as soon as realistically possible. For others, it's important to let things grow gradually. Matt and Katie fell into the ... continue reading
By Catholic Online (NEWS CONSORTIUM)
There is no community as sacred as the family. When we reflect on the Holy Family, Jesus, Mary and St. Joseph, we see modeled for us how to be as a member of our own family. Whether we're a father, a mother, or a child, the Holy Family shows us how to be. It is ... continue reading
By Catholic Match
Laura was tired of the dating scene or at the very least the relationship scene. By the time the 24-year-old from Maryland got to CatholicMatch, all she wanted was to go on some dates with nice guys, but to keep it casual, just have dinner, and maybe hear that she was ... continue reading
By Deacon F. K. Bartels
The American cultural lens of late has warped the way in which children are viewed to the point that they are seen not as gifts but as burdens. Many people no longer recognize children for who they are: precious jewels of indescribable beauty and worth whose growth, ... continue reading
By Catholic Match
Deanna, 24, and Michael, 28, had never dated before they meet each other on CatholicMatch. Michael had been discerning the priesthood for four years, and it seems God had placed a bubble around lovely Deann a saving her just for Michael. They were married on October 5, ... continue reading
By Catholic Online (NEWS CONSORTIUM)
A few readers have messaged Catholic Online, asking about Catholic Online's "Global Heartbeat of the Family Month" celebration, what it is and how it works. We wanted to take a moment to share our vision with readers so each family can participate. LOS ANGELES, CA ... continue reading


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Follow Eagan Patch on Twitter | Like us on Facebook | Sign up for our daily newsletter | Blog for us
Editor's note: Eagan Patch regularly posts selections taken from the Eagan Police Department incident reports. All addresses in the reports are approximate.
Jan. 6
7:10 a.m.—Police responded to a theft call at a department store on the 1300 block of Town Centre Dr. The caller told police two people walked out of the store with shoplifted TVs.
8:32 a.m.—Police responded to a burglary report on the 4000 block of States Ave. The caller told police that items had been taken from three cars overnight. The caller acknowledged that he or she left the garage door open.
Jan. 7
9:47 a.m.—Police responded to a threats/stalking call at a child care facility on the 3500 block of Federal Drive. The caller told police that a local college student had threatened her and swore at her over the phone. The student claimed that a child at her care center had damaged his car.
10:25 a.m.—Police responded to a threats/stalking call on the 4900 block of Slater Road. The caller told police her estranged husband was threatening to commit suicide, and had also threatened to kill her attorney. The couple was going through divorce proceedings.
12:53 p.m.—Police responded to a theft call at a department store on the 1300 block of Town Centre Dr. Officers took two shoplifters into custody during the incident.
1:28 p.m.—Police responded to a personal injury accident at the intersection of Blackhawk Road and Deer Hills Trail. The caller told police a car had struck a child riding a bicycle. The child was transported to Regions Hospital with injuries.
3:39 p.m.—Police responded to a medical call on the 1000 block of Kettle Creek Rd. The caller told police a female had intentionally overdosed on unidentified pills. The woman, who ingested 35 pills, was transported to United Hospital.
6:53 p.m.—Police responded to a damage to property call on the 4200 block of Rahn Rd. The caller told police someone put a hose in her basement and now the basement was flooded.
Jan. 8
2:51 p.m.—Police responded to a mental health crisis incident. The reporting party, a female, visited the Eagan Police Department to report that she sees dead animals along the road all the time, and that she believes a past co-worker is stalking her. Police contacted mental health authorities and requested the woman be evaluated.
3:40 p.m.—Police responded to a theft call at a business on the 1900 block of Shawnee Rd. The reporting party told police someone stole $500 worth of scrap metal from a dumpster over the weekend.
Jan. 9
2:16 p.m.—Police responded to a theft call at a department store on the 1300 block of Town Centre Dr. The caller told police two shoplifters just fled from the business in a black car. Loss prevention officers chased both of them out into the parking lot but were unable to get a complete license plate number for the vehicle.
2:36 p.m.—Police responded to a suspicious person call on the 2000 block of Safari Heights Trl. The caller told police a possibly intoxicated man who seemed "out of it" had parked his SUV in front of their driveway, urinated in the street and began digging in a trash can. When the caller went out to speak to the man, he began talking about the Batman movie. Police transported the man to a nearby facility for medical care.


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Heidi Yergler Hermann got her wish—sort of.
After weeks of campaigning to step in front of the , Hermann was heard at the Wednesday, June 20, meeting of the board. Hermann, whose fourth-grade daughter was bullied for much of the previous school year, .
"I think the parents, the community presence really helped me make my point," Yergler Hermann said. "I really do feel that things are going to change for the better."
Although Superintendent Steve Stein and Board President John Troy were absent from the meeting, Herrmann said that just getting some time before the board was good. Even better, she said, is that the board placed a review of the district's bullying policy on its July 18 agenda.
"It shows that everybody on the board was interested to make a positive change," Yergler Herrmann said.
During board discussion at the meeting, acting Board President Patrick Markham said that it was important to each member of the board to hear Hermann out and to make sure the policy is examined.
Although Herrmann only had a few brief words with the board during the meeting, she did spend several minutes with Principal Mike Rolinitis after the meeting. The two spoke candidly about Hermann's daughter, the current state of bullying in District 159 and what can be done.
Herrmann wasn't the only parent in attendance at the meeting concerned about bullying, as Cha Martinez expressed herself during public comments at the end of the meeting, saying she was very concerned and that bullying is a "serious problem," in the district.
The next District 159 Board of Education meeting is at 7 p.m., Wednesday, July 18.
Want more news on District 159? Check out these previous stories.


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I invite you to join me at the 2012 Green Tie Gala and Auction, where you'll have the opportunity to support the DPNC's goals and have a great time, as well. We'll have an exciting live orchestra and great food and drinks, including our ever popular signature drink.
There will be over a hundred auction items for your bidding pleasure. Come and check out the fabulous vintage Chanel Handbags and Adventure Trips where you can experience real Astronaut Training, hang glide, tandem sky dive, go rafting or just take a quiet balloon ride in Napa Valley. Bid on a dinner prepared just for you and your friends, or learn something new at a wine tasting experience right in your own home.
The event will be November 17th, 2012 from 7 - 11 p.m. at the Mystic Aquarium.
Go to the Nature Center's website at www.dpnc.org to learn more and to buy tickets!


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Search for Courses
Las Vegas, Arizona, California, Florida, Hawaii, Chicago, Denver, DC, Oklahoma, Oregon, Tennessee, Texas, Virginia, Wisconsin and more!
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Members of a Macon-Bibb County consolidation committee approved an organizational chart for the new government Monday.
In addition, the transition task forces Human Resources Committee approved a 222-page personnel policy and procedures manual for employees of the new government.
Both the chart and manual have gone through several iterations over the past few months, but they are now in a position to be approved by the full task force.
Only minor changes were made to both documents during Mondays meeting.
State Rep. Nikki Randall, D-Macon, told members of the committee she thought the proposed nepotism policy in the manual was a bit overreaching, since the proposed language wouldnt allow any relative of anyone holding a position of authority in the new government to get a job with Macon-Bibb County. For example, a relative of a department head, such as the IT department, couldnt get a job in the Public Works Department because of wording in the manual.
Macon Mayor Robert Reichert proposed changing the policy, limiting it to people in authority not having a relative working directly under them. The committee eventually changed the language, as well as adding a provision saying that relatives of the new governments mayor, commissioners, county manager and assistant county manager couldnt work for the new government, since those positions work with all departments.
During the discussion about the organizational chart, Randall and other officials asked that the Macon-Bibb County Fire Department be its own branch reporting to the county manager rather than reporting to the Macon-Bibb County Emergency Management Agency. That change was approved.
Task Force chairwoman Miriam Paris noted that with the new government set to take over Jan. 1 -- fewer than three months -- time is of the essence to finish up the transition work.
Weve got to expedite things at this point, she said.


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text:
Archive for October, 2011
How To Find Notes: TelemarketingPosted by: | Comments
Telemarketing is the most under-used and under-rated technique for finding discounted real estate notes. You can get the telephone numbers of most note holders by sending your diskette to TeleMatch (800) 523-7346 or (703) 658-8300. For a very nominal cost they will add phone numbers to your list of Note Holders.
The most important goal of telemarketing is not to buy the note, but to get the note seller to send you the appropriate documents. We have found that if a note seller will go to the trouble of finding the documents on the note, we can close the sale about 2/3 of the time. The problem is, what do you say to potential note sellers when you get them on the phone? The chances for rejection are astronomical, and your tolerance for that rejection will determine your success.
This is a game of numbers. And the more phone calls you make the more success you will have. If you have the telephone numbers of one thousand note holders, a good list of note buyers, and the skill and perseverance to telemarket, you are on your way to huge profits. The structure of a successful telemarketing campaign has four phases:
The Opener
First, develop credibility with the note holder. This must be done within the first minute. We like people who are like ourselves. The first thing in telemarketing is to demonstrate that we are like the party with whom we are speaking. The odds are very good that the person will "like us back," and we'll be rewarded with a possible note to purchase.
Evidence shows that people can tell with 90% accuracy whether we are smiling and whether we have a positive or negative attitude toward them, simply by listening to our voices!
There are a variety of ways to make the opening very effective.
You can mail people things. ("We have a special report on how to profit on your note. Would you be interested in a free copy?"
You have sent them something already. ("We sent you a special report on how to profit from your note. Do you have any questions?")
The Market Study Approach. ("We are conducting a market study on note holders. Do you mind if I ask you a few questions?")
The Urgency Approach. ("We are buying notes this week only for a special price. Is there any reason you would not be interested?")
The New Idea Approach. ("We have new and interesting way to buy notes that can give you extra cash, AND you can still keep the note. Is there any reason you wouldn't be interested?")
An effective opener depends on your credibility, your manner and your approach.
The Description
The second step is to describe what you can do for the note holder. I have found that it pays to mention only two to four benefits. Note holders have short attention spans and tend to be impatient. They will allow you to move to the close based on the importance of a few benefits.
This is where your active listening skills combine with your ability to communicate the advantages of selling their note to you. A good description is concise and directly meets the needs of the note seller based on your evaluation of why he needs the cash. If you can determine the note seller's needs, you can craft an offer that will meet them.
"Mr. Note Seller, if we could give you $48,000 now, and you would receive the next eighty-four payments as well, is there any reason you wouldn't be interested in letting us evaluate your note? We can fund the note quickly, give you best price and service the note for you. Is there any reason you wouldn't be interested in knowing more?"
The Close
This is the most important part of the telemarketing session: getting the note seller to commit to bringing you the documents. This is not the time to have him sign a contract or commit to any money transaction. It is
sufficient to have him agree to locate the original note, closing statement and mortgage or trust deed and to meet with you, mail, or fax them to you.
Three types of closes are very effective over the phone, according to Dr. Gary Goodman in his book You Can Sell Anything By Telephone!
The "Assumptive" Close
ou assume agreement; you put your self in control of the conversation, so it is relatively difficult for the note holder to say "no." You might say, "What we will do, Mr. Note Holder is set up a meeting, so we can evaluate the note you wish to sell. We can give you your money in three weeks."
Notice you didn't ask if he would sell the note. You assumed it. Unless he says, "I do not want to sell," you can continue to get him to commit to finding the documents and send them to you or meet with you.
The "Check Back" Close
If you find the "assumptive" close too aggressive, you can soften it by checking back with the note seller to assure him that you are proceeding based upon genuine desire. This is not difficult to do. You can say, "So, I'll drop by your house tomorrow at 4:00pm to pick up the documents. Is that okay?" The word "okay" is a very persuasive word because the note seller is conditioned to respond positively when they hear it, and they can decline if they want to.
The "Choice" Close
This is the most common type of close, and it is very effective. It offers the prospect the choice between one thing or another. When being asked to select an option, it is unlikely that the note seller will walk away from the conversation with nothing.
The "choice" close is useful in setting appointments by telephone. You can say, "My schedule shows that a good time for me to meet with you would be on Tuesday morning between 9:00 and 10:00, or will Wednesday be better for you?"
It becomes difficult for the prospect to decline an appointment at some time because we have phrased the request in the manner of a choice. If we had asked if we could come by at all, this would make it easy for the prospect to decline altogether.
The Confirmation
When the note seller agrees to meet with you, confirm his
wisdom and understanding of what you expect. You should:
1. Repeat that you will meet him on Wednesday at 7:00pm at his house to look over the loan documents
2. Congratulate him on a wise decision
3. Clarify what you will do and what you expect of him
4. Allow him to ask questions
5. See if you can gauge how likely he is to find the papers and follow through on the meeting
End the conversation on a positive note
"Fine, Mr. Note Seller, we'll meet at 7:00pm on Wednesday at your house. You will have a copy of the note, deed of trust, and closing statement for me to review. Once again, we work with national companies. We can get you your money in less than three weeks and you can still retain the payments for the next two years. Are they any questions you would like to ask me? Great, I want to thank you for your time and your patience. I will let you get back to Monday Night Football, and I will see you on Wednesday."
If you have a scripted idea of what you want from each phone call, you will have a much better chance of getting the results you want. If you have some knowledge of how to make people like you and can develop rapport with the seller, you will be closer to doing a deal.
Remember, the point of the telemarketing program is not to buy the note, but to get the documents. If a note seller will go to the trouble of finding the documents on the note, you can close the sale about 66% of the time.
About the author…
Jon Richards was the founder of NoteWorthy Newsletter, the major newsletter for buyers and brokers of cash flows on the secondary market. It has been published monthly since October 1989 and is the largest paid subscription newsletter in the industry. Jon was the publisher of the NoteWorthy Newsletter until his death in 2003. Jon was a licensed real estate broker, long time real estate investor and an expert in finding, appraising, buying and brokering discounted notes and mortgages. He was the professor and tenured instructor of Real Estate at the College of Alameda in California.
"REAPS is the oldest – and largest – Professional Association for the real estate investor this side of the Mississippi. We provide education and networking resources for real estate investors, those who want to be investors and anyone who provides value to our members. Our goals are to motivate and support our members and guests through education, discussion, legislative action and networking. We host over 40 live events a year around Puget Sound and they are all open to the public. If you've never attended one of our meetings, just email our office at [email protected] and be our guest for free!"
How to Get Higher Return In Your Self-Directed IRAPosted by: | Comments
With the implosion of our economy, most Americans have been affected in some way. Whether it's loss of job, income, house, investments or savings, we've all suffered.
What does this have to do with IRAs? Everything! IRAs are our safety net for our financial future and retirement. Social security, for anyone younger than 40, is uncertain at best.
Most institutional IRA custodians offer limited options for you to invest your funds and thus you are at the mercy of their investments. Typically, these are geared toward the investor who desires to have little input on his or her financial future and would rather hire someone to make decisions. Doing this leaves your financial future up to the best guesses of your advisor and the random fluctuations of the market.
Do you want to gamble with biased investment opportunities with an institutional custodian or do you want to be involved in protecting your financial future? Self-Directed IRA custodians like Equity Trust Company allow you to take control of your IRA investments. That is, you provide direction regarding your investments and hey follow your instructions as long as it's within the guidelines set by the IRS. But, with so many investments available, what should you invest in? When considering your investment choices, keep in mind that every investment has two components that are invariably interwoven: degree of risk and rate of return. Usually the higher the rate of return, the more risk involved. As we get older and approach retirement it's quite normal to look for more safety in our investments instead of the rate of return. It's very painful to lose a piece of your nest egg and then try and make up for it when you're older. When you're younger, you have more time to recover from any losses that may occur due to higher risk investments. In the end, a loss of capital at any age will severely impact your overall accumulation of wealth.
Real estate and real estate byproducts have been one of the best bets for stability over the long run. Set aside the recent foreclosure debacle that was fueled by runaway lending practices. Real estate and byproducts of this industry such as, rental properties, mortgages and options are still one of the safest places to put monies – IF DONE CORRECTLY!
Owning Real Estate in Your IRA
The silver lining in today's real estate market is that opportunity abounds for cash buyers. Forget about the days of negotiating the terms of sale, as this REO market is purely discounted cash purchases on volume acquisition. The real estate landscape has changed and knowing which markets and structuring safe investments in your IRA is paramount.
The problem with owing real estate is your IRA is the liability that comes from property ownership. You never want to expose your IRA to lawsuits. It is much safer for your IRA to be a lender instead of an owner. What if you could get the benefits of ownership by being a lender? That is, receive the cash flow and the "buy in equity" without going on a title. That is exactly what can be accomplished by using an EQUITY PARTICIPATION NOTE (EP). An equity participation notes keeps you off the title and is secured by a recorded mortgage. Thus, your investment is protected by the recorded mortgage, which puts you in the chain of title. The terms of the note could be that you receive 50% or 99% of all the cash flow and future income from the sale of the property.
Equity Participation Note Example
Recently, an investor bought a 50% interest in one of our properties. We own the property in a land trust and the investor paid us $30,000 for 50% of the net rent and future cash out to the lease/option occupant.
Here are the numbers: $30,000 paid by Investor The net monthly income, after expenses, is $650 per month. The investor receives $325 monthly, which is cash on cash rate of return of 13%. That's a safe rate of return and the kicker is when the occupant closes out the option at $90,000 the rate of return will exceed 52% if closed in one year.
There are many variations on the theme of Equity Participation Notes and they are an IDEAL investment for self-directed IRAs. You can allow the investor to receive the first six months or 12 months of cash flow and their return is ever higher. In addition, the percentage of the EP notes could be higher. The key is well-selected properties bought under value that are managed properly from the onset.
Turn Your IRA into a Bank to Ensure a Secure Investment for Absolute Returns – That is, be a pure lender.
Let's assume a house is worth $85,000 in today's market, based on a lease option purchase price. There is a tremendous lack of credit in today's institutional lending environment, which opens up the door for private investors to fill the void. How would you like to lend $35,000 for a first mortgage position on this house at 8% amortized in full over seven years? That would be a payment each month of $545.52. An 8% yield in your IRA is like a 16% yield outside your IRA when you factor in state and federal income taxes. From a safety standpoint, this investment is very sound and your loan to value is approximately 42%. And what if the borrower didn't pay? You'd have terrific equity in a house and could rent it forever. These are the kind of opportunities that are opening up for investors in every part of the country.
Self-Directed IRAs Provide a Tax-Free Vehicle for Higher-than-Average Returns These types of investments are not available at traditional IRA custodians. They limit you to their own financial products like mutual funds and CDs that just don't provide the kind of return that alternative investments can. You must have returns that beat inflation. CD's don't do that and there is an inherent risk in the stock market.
Only a truly self-directed IRA can offer you the control you need to make the right investment choices to ensure you own financial future. When you combine a strong and secure investment with the tax-free environment offered by a self-directed IRA, you truly have an unbeatable combination. For more information on owning real estate in your IRA through Equity Participation Notes and achieving above average safe yields, sign up at AllInvestorNetwork.com (you'll also get a free property analyzer). You will be notified of our upcoming webinars and receive our newsletter. Call anytime 813-435-1551 ext. 1000 for more information.
About the author…
Jim Case is a real estate investor with over 30 years of experience and cofounder of The All Investor Network. The All Investor Network (AIN) is a free online community for Professional Real Estate Investors and those just starting out. It has been designed to help you promote and grow
your business. Disclaimer: Equity Trust is a passive custodian and does not provide tax, legal, or investment advice. It does not endorse or recommend any contributor, company, or specific investments. Any information communicated by Equity Trust Company is for educational purposes only and should not be construed as tax, legal, or investment advice. Whenever making an investment decision, please consult with your legal, tax, and accounting professionals.
REAPS is the oldest – and largest – Professional Association for the real estate investor this side of the Mississippi. We provide education and networking resources for real estate investors, those who want to be investors and anyone who provides value to our members. Our goals are to motivate and support our members and guests through education, discussion, legislative action and networking. We host over 40 live events a year around Puget Sound and they are all open to the public. If you've never attended one of our meetings, just email our office at [email protected] and be our guest for free!


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The Peekskill Titans Pee Wee Pop Warner football team was honored by the Peekskill Common Council Monday for their victory over the Northern Dutchess Raiders in the Mid Hudsn Conference chamionship game in December.
Peekskill Mayor Mary Foster presented proclamations to each player on the team. Players also received championship rings commemorating the title.


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For a new 12-inch of Lindstrom remixes, Oneohtrix Point Never goes for an ecstatic, stuttering drone collage, which truncates the original "Call Me Anytime" almost in half and makes the calling in question sound like something from higher. The record, which also includes contributions from Ariel Pink and Mark McGuire will be out June 25th, check out the tracklist below.
Stream: Lindstrom, "Call Me Anytimes (Oneohtrix Point Never Remix)"
Side 1:
Call Me Anytime (Ariel Pink's Haunted Graffiti remix)
Side 2:
Call Me Anytime (Oneohtrix Point Never remix)
De Javu (Mark McGuire Roadchief remix)


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When the Angels added Josh Hamilton in the off-season to what was already the most expensive team in franchise history, the expectation was that the results would be historic.
And they have been, just not in the way the Angels had hoped.
Because with Sunday's 8-4 loss to the Baltimore Orioles, their ninth in 12 games, the Angels (11-20) matched their worst 31-game start. They're already nine games behind first-place Texas in the division race and, five weeks into a season in which they were supposed to compete for a championship, they find themselves heading off on a six-game trip Tuesday that is shaping up as crucial.


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Facing a Diagnosis of Terminal Cancer
Certain people have the skills to cope well and go gently into the night.
Leonardo da Vinci once said, "While I thought I was learning how to live, I have been learning how to die." While many people die unexpectedly with no clue that the end is coming, metastatic cancer patients and those with other terminal diseases often do have the opportunity to prepare for the end. And how they deal may determine whether they go agonizingly or gently into the night.
Elizabeth Edwards, wife of former presidential candidate John Edwards, has been dealing with breast cancer that has spread to her bones by writing a new book called Resilience. (Here's her interview with U.S. News.) Carnegie Mellon professor Randy Pausch gave his famous last lecture, which became popular on YouTube and was expanded into a book. "Several studies suggest that one way people cope with terminal cancer is by engaging in life projects that enhance connections with their loved ones and help them prepare to die in peace," says Joshua Fogel, an associate professor of behavioral science at Brooklyn College in New York.
How people respond to a diagnosis of incurable cancer is very individualized, says Holly Prigerson, director of the Center for Psycho-oncology and Palliative Care Research at the Dana-Farber Cancer Institute in Boston. In her research, she's found that about 20 percent of terminally ill patients are both cognitively aware and emotionally accepting of their deaths. "Those are the resilient types," she says. "They appreciate their time is limited and choose not to freak out about it." Of course, everyone goes through a grieving process, the initial shock and numbness, the denial, anger, despair. But more resilient folks move through that to a state of acceptance in which they take on those life projects and have conversations with their kids, friends, and spouses about dying. They are more likely to spend their final days in hospice, getting pain relief and saying goodbye.
Unfortunately, the majority of people don't fare so well, says Prigerson. They never come to terms with the fact that they're dying. Studies of terminally ill patients show that four months prior to their deaths, very few actually acknowledge that the end is near. The worst off, though, are the ones who understand that death is imminent but aren't emotionally accepting of it, fighting to stay alive at any cost. "They're at a much, much greater likelihood of spending their last days in pain, attached to a ventilator," says Prigerson.
That reaction, she adds, is why oncologists often fear preparing their patients for death. Far better to live in a state of blissful denial (aka hope), they figure, than a state of constant fear and anxiety. "We recognize that some individuals will neither want nor have the capacity to accept loss peacefully," she writes in a recent editorial in the British Journal of Psychiatry. "What we are suggesting is that enhanced degrees of acceptance, and reduced grief, appear associated with less suffering, implying there may be benefits to promoting acceptance."
More research needs to be done to determine which patients benefit from specific types of grief counseling. In the meantime, though, terminal cancer patients can turn to a palliative care specialist, psychotherapist, or social worker (most cancer centers now employ them), or they can check out this resource on palliative care.


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Pinhead model kit from Hobby Japan EX, Autumn 1993.
Pinhead model kit from Hobby Japan EX, Autumn 1993.
Hellraiser: Revelations (2011)
I don't think I can actually bring myself to watch this …
Hellraiser (1987)
Hellraiser (1987)
Hellbound: Hellraiser II, 1988
Hellraiser (1987)
Hellraiser (1987)
Hellraiser (No.7, 1991)
Art by Steven E. Johnson
Hellbound: Hellraiser II (1988)
Hellbound: Hellraiser II (1988)
Hellraiser (1987)
The Hellbound Heart by Clive Barker
So, I read the inspiration for the original Hellraiser film the other night, "The Hellbound Heart" by Clive Barker. The occult nature of the novella resonates on a different level than the film and creates a unique alternate to the original film.
Being a big fan of the first two films of the series and someone who does not endorse remakes of films - I'm beginning to think if explored differently a remake could really make this sinister world stand apart from anything we have already witnessed.
Read the book - it's worth it.
Hellraiser IV: Bloodline (1996)
Hellraiser: Hellseeker (2002)
Clive Barker's Hellraiser #2 (2011)
art by Leonardo Manco
I'm a little disappointed Manco's art is not in the third issue … his style is perfect for this.


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John Cusack
John Cusack Search Results
Capsule reviews: `Fast Five,' `Prom' | Story | WonderwallThere's a tall, misfit character named Lloyd (Nicholas Braun) who resembles "Say Anything ..."-era John Cusack — a...Wonderwall
'Twilight' Hunk's Review of 'Eclipse'! | Video | WonderwallJohn Cusack and Amanda Peet Talk '2012' Shelley Long Appears on 'Modern Family' Christie Brinkley and Peter Cook in...Wonderwall
Vampires, werewolves, liars lead fall film cast | Story ...John Cusack heads the cast of "2012" as survivors of worldwide cataclysms struggle on in the action tale from Roland...Wonderwall
50 Stars Turning 50 | Gallery | WonderwallJoan Cusack. Birthday: Oct. 11. With Joan hitting this major milestone, it won't be long before her brother John joins...Wonderwall
'Sixteen Candles': Where are they now? | Gallery | Wonderwall"Sixteen Candles" marked the second of 10 times that Joan Cusack would co-star with her brother, John. Other Joan-John...Wonderwall
New Yorker fans flock to see fave writers at fest | Story ...At a panel on character acting, thespians like Joan Cusack and John Turturro considered the joys of not having to play...Wonderwall
`Toy Story 3' doesn't shine quite as brightly | Story ...Neither is the voice cast, led once again by Tom Hanks, Tim Allen and Joan Cusack, ... The premise is compelling: Andy...Wonderwall
Celeb birthdays for the week of May 22-28 | Story | WonderwallSinger Morrissey is 52. Actress Ann Cusack ("Jeff Foxworthy Show," "A League of Their Own") ... Actor John C. Reilly...Wonderwall
The Office Series Finale: 5 Key Moments From Dunder ...And to Steve Carell, John Krasinski, Rainn Wilson, Jenna Fischer, ... The best question, though, comes from a woman...Wonderwall
From Elle
From Crowd Ignite


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Recently reviewed restaurants [Pictures]
Browse photos and information of restaurants recently reviewed by The Baltimore Sun. For more dining coverage, check out the Baltimore Diner blog.
Image 1 of 97
Rosario's Italian Kitchen( Kenneth K. Lam, Baltimore Sun / June 17, 2014 )
Restaurant information: Rosario's Italian Kitchen, 7301 Pulaski Highway, Rosedale; 410-866-6181; rosariosbaltimore.com
Review: Rosario's Italian dishes are classic and capable
- Bread and Butter Pickles - Savory Simple: Recipes, Food Photography and Cooking Techniques
- It's been almost six weeks since I was laid off, which is... - NAPTOWN PINT
- Local beer tasting + sailing = the most Annapolis thing ever.... - NAPTOWN PINT
- Gingered Blueberry Shortcake - three beans on a string
- Chocolate Cherry Pancakes - Savory Simple: Recipes, Food Photography and Cooking Techniques
- How was our Fourth of July in Annapolis? Oh, you know.... - NAPTOWN PINT


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After five years of serving as the head of the Bolingbrook Chamber of Commerce, Mike Evans will now take his experience to the Naperville business community.
The Naperville Area Chamber of Commerce named Evans as its new president and CEO last week.
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"I am thrilled to be taking the reigns of the Naperville Area Chamber, which has an outstanding reputation as an advocate for businesses and a resource for Members," Evans said in a news release. "Thanks to the board and staff, in particular my colleague and interim president Tami Andrew, this chamber is in an extremely strong position."
"I am confident we will capitalize on past successes and deliver outstanding results for the membership," Evans added.
Naperville Area Chamber of Commerce Chairman Shane Beard said Evans exhibited the right skills, energy and experience after serving as Bolingbrook Chamber of Commerce CEO since 2007.
"We selected a leader who is innovative and results-driven," Beard said in a news release. "Mike Evans has the creativity, vigor and track record that will help the Chamber achieve success for our membership and community."
Under his leadership, the Bolingbrook Chamber of Commerce experienced significant growth in membership, brought new programs to market and developed a reputation as an advocate for the business community, according to the release.
"The Naperville Area Chamber has a well deserved five-star reputation and is considered one of the elite business advocacy organizations in the country," Evans said in the release. "While the staff has helped lead this chamber to success, I know ultimately it's the outstanding Members who make this Chamber second to none in the region. I look forward to accomplishing great things together."
Dr. Cathy Subber chaired the selection committee, which included several board members and outside community business leaders. The selection committee recommended Evans based on his record, but was also swayed by his passion and enthusiasm for the chamber industry, according to the release.
"Leading a chamber requires a unique mix of talents; being a great networker, connecting the community's varied interests, having an outstanding work ethic, possessing political savvy and having the ability to channel the talents and interests of 1,400 businesses," said Dr. Subber, who is also the incoming chair of the board. "I know when the membership has a chance to meet and work with Mike, they will be impressed with his dedication to help our business community succeed."
Evans is anticipated to officially assume duties of the president and CEO of the Naperville Area Chamber Dec. 10.
Information from the Naperville Area Chamber of Commerce


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Hello to all the Folks thinking to or that plan to race at the Ctyomax Benicia Criterium this Saturday. I wanted to let you know that I, Joseph Mendes, am donating 24 $25 primes for the day's races. Most races will have three $25 primes. As the Realtor and Mortgage Broker for Every Cyclist, I am excited to continue my sponsorship of local cycling races.
Best regards,
Joseph Mendes, MBA
Realtor & Mortgage Broker
iStar Real Estate/Pro Capital Mortgage
http://www.JosephMendes.com [1]
Cell - 925-963-2366


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Strategic Alignment, Predictable Performance, and Confident Decisions
SAP BusinessObjects offers a broad portfolio of tools and applications designed to help you optimize business performance by connecting people, information, and businesses across business networks.
Solutions for Large Enterprises
* Business intelligence solutions – Leverage SAP BusinessObjects business intelligence (BI) solutions that can empower your users to make effective, informed decisions based on solid data and analysis.
o SAP BusinessObjects Explorer – Take advantage of an intuitive path to quickly search and explore data for instant insight into your business.
* Enterprise information management solutions – Take advantage of SAP BusinessObjects enterprise information management (EIM) solutions that can help you deliver integrated, accurate, and timely data – both structured and unstructured – across your enterprise.
* Enterprise performance management solutions – Capitalize on the value of your corporate data, enabling your organization to become more agile and competitive by providing organizational alignment, visibility, and greater confidence.
* Governance, risk, and compliance solutions – Proactively balance risk and opportunity across business processes and respond faster to changing business conditions using a preventative, real-time approach to governance, risk, and compliance.
* Analytic applications – Gain actionable, industry-specific insight into your business performance, so you can empower your team to make agile decisions and gain sustainable competitive advantage.
Solutions for Small Businesses and Midsize Companies
* SAP BusinessObjects Edge solutions – Benefit from interactive, open business intelligence and performance management solutions for midsize companies.
* Free trials – Benefit from fully functional software available as a free download for a 30-day trial.


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If you've got a little one that will be entering kindergarten in the fall, the West Bloomfield School District is looking to make the transition a little easier.
Later this month, the district will be presenting "Kindergarten Roundup," an informational session for parents and students at the district's three elementaries which offer kindergarten next year. At the round-ups, parents can see the school their child might attend, visit with teachers and get their questions answered. School officials advise that children should attend the sessions.
According to legislation passed in late spring 2012, children must be five years old by Dec. 1 in order to enroll in kindergarten. That date moves to Nov. 1 in 2013, Oct. 1 in 2014 and Sept. 1 in 2015.
In addition, the Board of Education voted to close Ealy Elementary in the fall of 2013. The closing of Ealy and reconfiguration of Doherty Elementary (now offering grades K-2) and Sheiko Elementary (no longer offering kindergarten) is driven by declining enrollment and diminishing state financial support, according to school officials.
Round-ups scheduled include:
- Roosevelt Elementary: 7 p.m. Monday, Jan. 28
- Doherty Elementary: 9:30 a.m., 11 a.m., and 1:30 p.m. Tuesday, Jan. 29
- Gretchko Elementary: 5:30 p.m. Wednesday, Jan. 30
Click the corresponding links for more information on the individual schools.


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"Democracy is the theory that the common people know what they want, and deserve to get it good and hard."--H.L. Mencken
With the presidential election a little over a week away, partisan bickering is reaching a fever pitch over two candidates who seem utterly opposed to one another and yet agree in almost all respects on foreign policy while having enacted virtually identical laws reforming the most socially controversial and fiscally nettlesome issue of our day, health care. The key difference between them today is that one claims he will undo what the other one did, now that he sees it as a danger to the other forty-nine states which he did not save by enacting it in the first place. Or something like that.
One says he would fire the head of the Federal Reserve (the man with the real power in the country) and the head of the Fed obligingly takes that issue off the table by claiming he will retire just after the election. Meanwhile few people (other than those willing to be dismissed as conspiracy theorists) even care about the Fed, and hardly anyone realizes that the President's choice of Fed Chairman is entirely trammeled: he gets to pick from a shortlist given to him by the Fed itself, and all that remains is a Senate confirmation.
For Democrats, the Federal Reserve represents a colossal (and ignored) irony: the very founder of their party, Andrew Jackson, fought a death match against a central bank. It is hardly the only irony: Jackson supported a small and limited government, championed the ethnic cleansing that saw Native Americans forcibly relocated so that whites could take their places, and he was in favor of slavery. The bank in question was headed by Nicholas Biddle, and under him it had sent a great deal of gold and silver to European creditors, creating many of the same hardships for American businesses and farms that had prompted the American Revolution in the first place. When Jackson beat the bank by denying it a renewal of its twenty year charter, he soon faced an assassination attempt, but luckily both pistols plunged into his abdomen misfired.
Eighty years later, another Democratic President, Woodrow Wilson would be the one to cement its successor permanently into place. Ever since then during its near hundred year history, no personally ambitious Democrat or Republican has dared breathe a word against it. In fact, both Democrats and Republicans sing from hymnals having striking similarities to each other, and both have significant differences from the founding documents of this nation. Many of those ditties seem to have been penned by Edward Mandell House, the Warren Buffett of his era. The pseudonymous author of a bizarre novel in which a dictator saved America before vanishing (paging Ayn Rand!), House was one of the men who met at Jekyll Island to hatch the Federal Reserve, and he backed Wilson as well as founding the Council on Foreign Relations, the unofficial finishing school for Washington politicians and apparatchiks regardless of party affiliation. And under his Federal Reserve, American "free banking" ended and the money flow to Europe was finally restored.
On one hand, the "behind the scenes" cooperation of ostensible partisans seems to give posthumous comfort to founding father John Adams, who said "There is nothing which I dread so much as a division of the republic into two great parties" (a sentiment largely shared by George Washington); but what those men really feared was the kaleidoscope of national opinion being reduced to only two monoliths, much less a pair who only pretended opposition, and only then on largely inconsequential points puffed up to prominence by a press enthralled by the same monied interests.
And what those giants of democracy feared came true: America's first two major parties were the Federalists and the Anti-Federalists, succeeded by the Democrats and Whigs, and later the Republican Party succeeded the Whigs. The United States simply never developed the kind of multi-party system seen on much of the Continent, with parties being born and dying on a regular basis, governing in ad-hoc coalitions and generally keeping anyone from gaining a permanent grip on the levers of power. Instead, when the CFR decides we should go to war, off our boys go. When the CFR decides that its Wall Street masters can make more money on free trade, off (to China) the jobs go. There is no countervening "Council on American [Sovereignty, Dignity, Prosperity or any other happy noun the Founding Fathers would recognize]," only a large body of Americans who can feel in their gut that something isn't right, but whose aspirations are thrown into chaos by a press that parrots the CFR line, even at the cost of millions of disenchanted readers who stop subscribing or change the channel in disgust.
Based on the disappointment they feel when their newly elected savior instead toes the CFR line, some people conclude that their vote doesn't matter. Others claim that a vote not cast for one of the two factions whose antics seem almost scripted by professional wrestling (hey, didn't Vince McMahon's wife run for office?) is a vote thrown away.
If I could dispel any notion, it would be that a vote not cast for a Democrat or Republican is a wasted vote. Anytime you suggest that you might vote for a Gary Johnson or a Roseanne Barr, someone will always tell you that you are really voting for the mainstream candidate that you absolutely despise. But that kind of positively Orwellian thinking is what keeps everyone trapped in the same boxes.
The fact is, a vote is a vote. If a large number of people begin to vote third party, the people who really run the show will get a wake up call. If the third party voting gets stronger, the CFR crowd will have to recognize the new populism. If they can't hang on, their academics, businesspeople and politicians will need to go somewhere else with their elitist ambitions. It has happened before: the Trotskyites fled Stalin to Mexico, where many of them ... came to the U.S. and eventually donned the mantle of neoconservatism. They like to get us into wars, and for a couple of decades they've been very good at it.
So while it's crucial that you vote, it's even more important that you vote for the candidate whose thinking aligns with yours, regardless of party. As closely aligned as they really are on the issues that matter--the ones hardly mentioned and over which you are repeatedly and condescendingly told you have no influence, at least one of the two major parties is obsolete, and it's time we sent the small-brained dinosaurs a chilling message.
A Vote is a Vote, and Don't let Anyone Tell You Otherwise
The notion that you can throw away your vote is a laughable one that we should all ignore.
"Democracy is the theory that the common people know what they want, and deserve to get it good and hard."--H.L. Mencken
This post is contributed by a community member. The views expressed in this blog are those of the author and do not necessarily reflect those of Patch Media Corporation. Everyone is welcome to submit a post to Patch. If you'd like to post a blog, go here to get started.
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"I contend we are both atheists, I just believe in one fewer god than you do. When you understand why
you dismiss all the other possible gods, you will understand why I dismiss yours." ...Stephen F Roberts
Faith is believing something as though it were fact when you have no logical
reason to do so. Stamping out the frighteningly popular misconceptions
about faith and the faithful is the duty of every person who considers
delusional thinking bad enough in and of itself without people wearing it like
a badge of honor. All persons clear of mind and strong of heart are welcome
to peruse these musings about the faithful sheep and their shepherds.
updates list
Welcome to The War On Faith
Home page


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Most Popular Articles
Products & Newsletters
NAB2007 Radio magazine Pick Hit Winners Announced
Las Vegas - Apr 19, 2007 - The Pick Hit Awards are the original technology award presented at the NAB convention. First awarded in 1985, the awards recognize innovation in product development with an eye to meeting the practical needs for radio. The winners are selected by a panel of radio professionals who work independently and anonymously to find the top new products introduced at the convention. Here are the NAB2007 Radio magazine Pick Hit Award Winners:
Learn more about these products and why they were chosen by the judges in the June NAB wrap-up issue.
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Today in Radio History
Milestones From Radio's Past
The history of radio broadcasting extends beyond the work of a few famous inventors.
EAS Information More on EAS
NWS XML/Atom Feed for CAP Messages
The feed provides feeds for all US states and territories.
Wallpaper Calendar
Radio 2014 Calendar Wallpaper
Need a calendar for your computer desktop? Use one of ours.
The Wire
A virtual press conference
Information from manufacturers and associations about industry news, products, technology and business announcements.
Current Issue
Northern Community Radio Expands: An Engineer's Perspective
When Northern Community Radio set out to build a new community radio station in rural northern Minnesota 38 years ago, naysayers said that it would be broadcasting "only to a bunch of gophers
Browse Back Issues[an error occurred while processing this directive]
Also in the July Issue
- Trends in Technology: Robust IP STL
- LPFM on The March
- RF Engineering: Modern Modulation Techniques
- Field Report: Tascam TH-2000 Headphones
- Battery Maintenance: Testing and Charging


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Frequently Asked Questions about The National Letter of Intent & Financial Aid
What is the National Letter of Intent?
What happens if I sign a National Letter of Intent then decide to go to a different college?
For further information, visit the National Letter of Intent website.
What are the National Letter of Intent signing dates?
Can a college or university reduce or cancel my scholarship during the academic year?
Institutional financial aid based in any degree on athletics ability MAY NOT be reduced, canceled or increased during the period of award:
How long does a scholarship last and can the college cancel my scholarship after the first year?
If a student-athlete is receiving institutional financial aid based in any degree on athletics ability, the institution must notify the student in writing on or before July 1 whether the aid has been renewed or not renewed for the next academic year. This written notification comes from the institution's financial aid authority and not from the athletics department.
If the institution decides not to renew the aid, or is going to reduce the aid, the institution must notify the student-athlete in writing that he or she has the right to a hearing. This hearing is held before the institutional agency making the award.
Keep in mind that the decision to renew or not renew the financial aid is left to the discretion of the institution, to be determined with its normal practices for students generally.
Please contact the FSU Compliance office at 850-644-4272 if you have any further questions. You may also contact the NCAA membership services staff at (317) 917-6222.


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Fact Sheets & Briefs
NOTE: We are currently experiencing technical difficulties with our Fact Sheets section. If you are interested in accessing our comprehensive fact sheet on missile defense, please click here.
Arms Control Association fact sheets provide a brief summary of a treaty or subject. They are intended to give you a snapshot of the most important information on a particular issue. Fact sheets are a good place to begin researching an unfamiliar topic or to review the most important elements of any arms control issue. To speed your search, we have organized the fact sheets into the following categories: Country Profiles, Chemical/Biological Arms Control, Conventional Arms Issues, Missile Defense, Nuclear/Ballistic Missile Nonproliferation, Nuclear Testing and Strategic Arms Control and Policy. Scroll down for the various sections.
My Account
ACA In The NewsIAEA worried about slow progress in Iran nuclear probe- sources
July 22, 2014
Iran nuclear deadline extended to Nov 24
Agence France-Presse
July 18, 2014
Iran nuclear talks: gaps remain as deadline approaches
The Guardian
July 18, 2014
Missiles are now so easy to get that it's a miracle more planes haven't been shot down
The Washington Post
July 18, 2014
Toward a Final Nuclear Deal with Iran
Center for American Progress
July 17, 2014
Keep Negotiating on Iran's Nukes
The New York Times
July 16, 2014


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SPECIAL OFFER: - Limited Time Only!
(The ad below will not display on your printed page)
The holiday season is packed with parties -- and with those invitations comes what-to-wear panic! To help you choose the right outfit for your big events, read on for our breakdown of party dress code speak:
White Tie The dressiest, most formal type of event. Long, very formal evening gowns are expected; gloves are optional. This is the time to go all out with beading, fur stoles, and Manolo Blahnik pumps. Hair and makeup should be elegant and understated: think updos, French manicures, and expertly applied red lipstick (no false eyelashes or body glitter, please).
Black Tie Less dressy than white tie, but still quite formal. Good clothing choices include long gowns in satin or velvet; shorter knee-length dresses with glamorous heels; and dressed-up separates, like a beaded skirt and shell set. Hair and makeup follow the same rules as white tie: elegant and polished.
Black Tie Invited/Black Tie Optional Again, formal, but not the utmost in dressy. Black tie optional usually refers to men's clothing (your date can choose to wear a tuxedo or a simple dark suit); women can simply follow black tie dressing rules.
Creative Black Tie Formal, but with a trendy twist. Modest gowns give way to more fun (but still formal) options, such as a cashmere sweater with a satin ball-gown skirt, tuxedo pants and a silk halter, or a red-carpet-inspired dress by a hip designer. Hair and makeup can reflect the trends, too. Try sleek, straight hair worn down a la Gwyneth Paltrow, a shimmery body lotion, or a fun lipstick color like purple or orange.
Cocktail Attire Festive and fun; not as dressy as black or white tie. Stick to knee-length dresses with details like lace or cutouts, paired with kitten-heel shoes or sexy, strappy sandals. Another option: Tailored trousers and a dressy top, such as a beaded shell or patterned silk tube. Cocktail parties call for festive hair and makeup, too, such as a high ponytail or messy braided bun; and shimmer or glitter on eyes plus glossy lips.
Dressy Casual/Elegant Casual Informal and relaxed, but still chic. Almost anything goes, apart from denim and sweats. Try a pair of slim slacks with a sweater set in a bold color like fuchsia; a straight, knee-length skirt and cashmere shell; or man-tailored trousers and a silk blouse (think Banana Republic style). For hair and makeup, keep things simple and subdued, as you would at the office.


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Sale or Lease of former Textielfabriek Hatefa B.V. / Romania
Location: Pucioasa, Romania
Land: 96,909sqm
Buildings: Fifteen (15) = 18,872sqm
Pucioasa Factory's History and Present Day:
Pucioasa, Romania is a city with a long tradition in textiles and holds a large
base of skilled textile workers. Pucioasa is located 100km from Bucharest
and 350km from the Port of Constanta. The Factory is located 4km from the
German-owned Sun Garden textile factory; producing "Home Textiles" for
the outdoor/ garden area.
Until 2003, the Pucioasa Factory was a government-run unit employing over
3,200 workers, engaged in the weaving and finishing of textiles. After its
closure in 2003, the Factory was purchased by a Romanian real-estate investor
who later leased the Factory to Textielfabriek Hatefa B.V. (a global textile
manufacturer based in the Netherlands).
Until 2009, Hatefa B.V. operated the Factory employing 500 skilled textile
workers producing "Technical Textiles" in the printing, coating & finishing
of fabrics.
Today, some of the Factory's (15) buildings are currently leased to: an
Italian Co. producing "capacitors", a German Co. producing "polyester-pellets",
a local Romanian Co. producing "bed linen, tablecloths/ covers" for export to
France, Germany and Belgium and an Italian Co. producing "sofas".
Pucioasa Factory's Labor Cost:
Pucioasa's minimum costs for skilled textile labor - including taxes - are
€ 450/month. Twenty-nine percent (29%) of a worker's taxes are paid by the
employer and thirty Percent (30%) are paid by the worker.
The Romanian government provides a "Labor Incentive" – paying fifty
percent (50%) of workers' salaries for one year (1 Yr.) – provided the workers
are employed at the factory for three years (3 Yrs.).
Pucioasa Factory's Utilities:
Water Channel to the Dambovita River, only 40m from Factory
All Buildings have Electricity; Electric Panels from (1975-1989)
Two (2) Buildings currently connected to Factory's Natural Gas Line
Pucioasa Factory's Buildings (S1 thru S15):
(S.1-3) These Buildings house the Factory's mechanical workshops, electrical
workshops and some warehouses for paints and chemicals.
(S.4) Building houses the Factory's industrial Water Station.
(S.5) Building is comprised of 5-warehouses covering 1800sqm in area.
One Barrack is currently rented to the before mentioned Germany Co.;
producing polyester-pellets.
(S.6) Three-story Building constructed in 1975 and covers an area of
5085sqm. It is supported with reinforced concrete beams. The first two
floors are productions areas, having ceiling heights of 6m. The third
floor is comprised of outfitted office space – with an additional
production area – which is currently leased to the before mentioned
Italian Co.; producing capacitors. Building includes all utilities, two
loading ramps and a mechanical-lift system.
(S.7) Building was constructed in 1982 and covers an area of 3800sqm. It is
supported with reinforced concrete beams and has brick walls. The
building is divided into production areas covering 2850sqm and two
warehouses covering areas of 700sqm and 250sqm. The Building
includes a loading ramp. In 2007, modern offices were added with
central heating. A portion of this Building is currently being leased to
the before mentioned Romanian Co.; producing bed linen, tablecloths/
covers" for export to Western Europe.
(S.8) Two-story Building constructed in 1975 covering an area of 6631sqm.
It is supported with reinforced concrete beams and includes
two loading ramps. The first floor is industrial area with a ceiling height
of 6m and the second floor is comprised of offices. 1000sm of the
Building is currently leased to the before mentioned Italian Co.;
producing sofas.
(S.9) Building was constructed in 1984 and covers an area of 2562sqm. It is
supported with reinforced concrete beams with a ceiling height of 6m.
This building has some roofing problems (needs € 20.000 in repairs).
(S10) Building covers an area of 1389sqm. It is supported with reinforced
concrete beams and has brick walls.
(S.11-13) *These Buildings cover areas of 310sqm and 580sqm. They comprise
the Factory's Admin. building and a building housing the Factory's
Main Steam Boiler (1996) – capable of producing steam for all Factory
Buildings and the textile printing machinery within the Factory.
(S.14) Two-story Building constructed in 1978 and covers an area of 300sqm.
The Building has brick walls. Ground floor has a 7-car garage and the
second floor contains offices.
(S.15) Building was constructed in 1989 and covers an area of 215sqm. The
Building contains offices.
*Much of the metal piping connecting the Main Steam Boiler to the Factory's
buildings and textile machinery was removed in 2009. To re-activate the Main
Boiler to the Factory, an investment to re-install steam-piping will be required.
European Structural Funds (20% to 50%) Romanian Grants:
Capital Investments made for the Redevelopment of the Pucioasa, Factory:
- Factory Improvements to Factory's Buildings and Land
- Purchases or Refurbishment of Factory's Capital Equipment
- Purchasing of New Production Machinery and Factory Technologies
are Pre-Qualified for EU Grants funding for up to € 4.000.000,00 in investment.
Pucioasa Factory's Capital Equipment:
Main Steam Boiler – (needs piping re-installed throughout Buildings):
Powered Total Factory until (2003)
Year: 1996
Capacity: 10.000kg Steam/hour
Pressure: 12-6 Bar
Temp.: 194 °C
PIFATI Steam Boilers:
Powered Buildings S.6 & S.7 plus all former Hatefa B.V Machinery:
Year: 2007
Qty: 3
Large Capacity Air Compressor – was Powering 120-Picanol Air-jet Looms:
Textile Production Machinery: (purchased from Hatefa B.V. in 2009)
**STORK Printing Plant Machinery (can be sold separately from Factoy)
Year: 1992
Width: 2800mm
Year: 1994
Width: 1850mm
Year: 1994
Automatic System for mixing Printing Paste
Dosing System (Carousel with 40 Positions)
Year: 1992
Width: 2800mm
Capacity: 320ml
LÜSCHER Design Scanner – Drum Type
JOHANNES ZIMMER RSL – Coating Machine
JOHANNES ZIMMER RSL – Clima-Box
JOHANNES ZIMMER RSL – Polymerization Oven
Year: 1993
Type: CDS 3000
**Pictures of STORK Printing Machinery are on website – under Asset Sale
– Reference No.: 8675539


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Isaac brings higher gas prices in the South, the North and Grand Forks
August 29, 2012 at 5:01 pm in Grand Forks Herald
On Tuesday, the average price of a gallon of regular unleaded in Grand Forks was $3.769. On Wednesday, it was $3.823. Analysts say the disruption of the storm in the Gulf of Mexico rippled into the Midwest. Continue Reading


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Showing All "Øya" Posts
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In its 12th year, Øya Festival brought another diverse set of artists to Oslo's Medieval Park over four days last week. Among the performers were Blur, the Knife, Kraftwerk, Kendrick Lamar, Slayer,…   Read Story »
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The always-eclectic Øya collected dozens of big name international acts and local bands to Oslo's Medieval Park and neighboring clubs over four days last week. Among them: Björk, A$AP Rocky, the…   Read Story »
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Øyafestivalen hosted a diverse array of local talent, American indie bands, and international stars (Kanye, Pulp, Aphex Twin) in Oslo, Norway last week. Among the visiting groups you'll also…   Read Story »
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Beyond taking place in beautiful Oslo, Norway one of Øya Festival's strongest points is its eclecticism: When I attended in 2006 (and met Amrit), I was excited by Enslaved, the Knife, and Morrissey…   Read Story »
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One thing to know about Oslo: Most people are honest (except cabbies), friendly (except customs agents), extremely beautiful (no exceptions), and obsessed with the export of their arts. So Øya is…   Read Story »


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Emily, a troubled teenage girl pushed by bad choices, becomes trapped and has no other option but to confront her problems. She realizes what went wrong between her and her family and may never be able to set things right. Showing at Secret City Film Festival: Saturday, Oct. 11, 2008, 3 p.m.
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Swell Skin Face Treatment - $25
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Both products will last you at least 6 months when used as directed.


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I. B. Tauris
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Unique insider account of the enigmatic Putin from a former Kremlin adviser. Ground breaking material on the complex inner workings and private world of Putin¿s circle. Distinguished foreign correspondent with extraordinary personal contacts. Sheds lights on the rise of a new self-confident Russia Highly topical portrait of a tense struggle for power prior to Russia¿s presidential elections
Table of Contents
"A serious book that portrays a Russian administration at sea in a world most of its officials did not comprehend. Putin himself emerges as a more complex character than the epithet "strongman" would suggest…Every chapter of this book is worth reading." – The Independent (UK)
"[A] lively and absorbing study of the Putin years." - The Guardian (UK)


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All Schools
(1) All Schools
(1) Public Schools
(4) Public Schools
(1) All Schools
(1) Public Schools
(4) Public Schools
There is 1 private school in zipcode 53090, WI, serving 112 students.
Minority enrollment is 4% of the student body, which is less than the WI state average of 23%.
The student:teacher ratio of 18:1 is higher than the state private school average of 13:1.
53090, Wisconsin Private Schools
- School Location Students Grades
West BendSt. Mary School
415 Roosevelt Dr
West Bend, WI, 53090
(262)338-5602(Roman Catholic)112 students | Gr. K-9
Zipcode Statistics
|About This Zipcode (53090)
|Zipcode Statistics
|(WI) State Statistics
|Population (Approximate)
|21,873 people
|5,651,612 people
|Age 25+ w/College Degree
|Median Household Income
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