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How to File Bankruptcy
Tasks involved in filing for Chapter 7 bankruptcy
To file for bankruptcy, first you need to learn enough to know where to start.
This site helps you do that. It will give you an overview of the bankruptcy process and connect you with a wide variety of resources (information, products, services, and lawyers) that can help you through the bankruptcy maze.
This site is free. Unlike other bankruptcy sites, you don't need to register or provide any identifying information to use the means test calculator. If you want to contact an advertiser, that's up to you, but this website isn't after your name or email address.
Do you need to file for bankruptcy?
You may not need to file for bankruptcy.
Chapter 7 bankruptcy is the neutron bomb of debt management and asset protection. A Chapter 7 is quick (a few months), and quite complete when it comes to wiping out unsecured debt like credit card and medical debts. You may want to save it for when you really need it--you can use Chapter 7 bankruptcy only once every seven years.
On the other hand, your particular combination of debt, income, and property may be a perfect fit for bankruptcy protection. The vast majority of people who end up filing for bankruptcy really do need it.
A lot has been written lately about whether bankruptcy makes sense for people, in light of the economic downturn, including these articles:
- NPR/Talk of the Nation: Sometimes, Filing For Bankruptcy is Best - (April 20, 2009. Jane Bryant Quinn explains why it makes sense to go bankruptcy to preserve your retirement accounts and other exempt assets. Know your rights!)
- The New York Times: Debt Settlers Offer Promises but Little Help (April 19, 2009)
- The Chicago Tribune: In this economy, bankruptcy may be an answer for many (March 15, 2009)
- The New York Times: Bankruptcy as a Step to Solvency (Jan 23, 2009)
- Jane Bryant Quinn in Newsweek: When Bankruptcy Makes Sense (Jan 3, 2009)
- MSN MoneyCentral: Liz Pullman Weston: When bankruptcy is best (no posted date)
- Credit Slips Blog on "Should I File for Bankruptcy" (Jan 23, 2009) ('rules of thumb' about when it's appropriate to file).
- More news...
Info is not advice
This site will point you to numerous books, articles and services that can help you figure out whether it makes sense for you to file for bankruptcy.
However, this website cannot answer whether you, specifically, should or should not file for bankruptcy.
If you have questions about whether bankruptcy is right for you, you may want to seek credit counseling from a reputable agency or consult a lawyer. A free or low cost consultation with an experienced credit counsellor or attorney can help you identify the relevant factors of your specific financial situation that ultimately determine whether bankruptcy is an appropriate, financially prudent option at this point in your life.
The typical bankruptcy filer is a person already in fragile economic circumstances, often with large amounts of credit card debt, who then suddenly faces a spate of hard luck (loss of job, injury, divorce, uninsured medical expenses), resulting in mounting penalties and an unpayable amount of debt.
Bankruptcy law is designed to help people just like this, who need assistance in making a clean break -- a "fresh start" on life, rather than spend the rest of their lives being crushed by the burden of unpayable debt.
Even if you're facing unpayable debt, you still may not need bankruptcy to protect your assets. Under the Exemption Laws of Virginia, you may already be "judgment-proof." If so, you need not fear credit card companies simply because you owe them. Unsecured creditors (like credit card companies) can't take your stuff if it's exempt. If there are harassing phone calls, you can stop them with a simple phone call or letter. (However, interest and penalties on your debt will continue to accumulate and bankruptcy will put a stop to that.)
But exemption laws do not protect property from all types of debts or all types of creditors. For example, exemption laws typically do not protect you against collection of child support or tax debts. And if you bought property and pledged it as collateral for the purchase-money loan (for example, a car loan or mortgage), the lender can take the property regardless of any exemption law.
Finally, there are some kinds of debts that bankruptcy simply cant get rid of. These are called "nondischargeable" debts. This generally includes child support, most student loans, and most tax debts.
Where to Find More Information
There's much more to be said about this topic than can be said on a Web page. Any decision to file for bankruptcy versus other alternatives requires a thorough, systematic review (by you or someone you hire) of your income, debts, and property.
For less than $30, you can purchase and/or download Nolo's book, How to File for Chapter 7 Bankruptcy, which I wrote with attorney Steve Elias and Robin Leonard. Chapter 1 will walk you through a self-analysis of your situation and explain your options in plain English. The rest of the book offers step-by-step discussions of exempt property, keeping your home, and how to prepare and file your bankruptcy forms. The book includes line-by-line instructions for the official bankruptcy forms, complete with filled-in examples. Throughout the book, you are alerted to situations that are particularly troublesome and should not be handled without an attorney. (See Amazon.com reviews [here] and press reviews [here].)
This website supplements the information in the book by providing quick access to local (county-by-county) information and services.
For more money, there are other types of help available:
If you just need help with preparing the forms, you can hire a bankruptcy petition preparer.
If you want legal advice and analysis of the details of your specific situation, you can hire a Virginia bankruptcy lawyer to advise you. You'll find listings in the Lawyers section of this site. These listings are not endorsements. They are simply designed to help you quickly connect with service providers in your area.
Whether you decide to do it yourself or hire professional help, this site will help you become a smarter, better-informed consumer and help you steer clear of shoddy services.
What kind of bankruptcy do you qualify for?
Virginia Median
Median Income standards effective November 15, 2013 through March 31, 2014
|Persons in Household
Source: U.S. Trustee, U.S. Department of Justice (for bankruptcy cases filed on or after April 1, 2014)
Note. The means test is but one of several hoops you must jump through. Even if your income is low, a judge can prevent you from filing Chapter 7 if it appears that you have enough income to repay a substantial portion of your debts in a 3-year Chapter 13 plan.
There are two main types of bankruptcies for consumers:
Chapter 7 allows you to eliminate most unsecured debts in a matter of months in return for giving up all "non-exempt" property -- if you have any.
Most people who file for Chapter 7, have no available non-exempt property or equity. Whatever they still own by the time they file is either protected by exemption laws, or pledged to a secured creditor as collateral for a debt, and therefore not available to pay off unsecured creditors.
These are known as "no asset" bankruptcies, and most Chapter 7s are of this type.
Chapter 13 takes 3 to 5 years. Instead of giving up property, you repay a portion of your debts and live within a strict budget that is monitored closely by the bankruptcy court trustee. If you can't make the required monthly payments, your Chapter 13 bankruptcy fails and your debts will remain (unless you convert to a Chapter 7 bankruptcy).
Chapter 13 is commonly used by people who are behind on secured debt payments (e.g., mortgages) and want to propose a Chapter 13 plan to catch up on these payments over time.
Under the new bankruptcy law, which took effect in October 2005, a mathematical formula called the "means test" establishes an initial determination of the kind of bankruptcy you qualify for: Chapter 7, Chapter 13, or either. This formula takes into account:
- your monthly income
- the amount and kind of your debts, and
- other aspects of your financial situation.
If your annual income is less than the Virginia median income for your household size, then you can file for Chapter 7 or Chapter 13, (assuming you meet other qualifications). If your income is higher than the state median, you must first complete a long list of expense deductions to estimate what your 'disposable income' will be over the next five years. The result of this calculation determines whether you can file for Chapter 7, or are left with Chapter 13 as your only option.
Although this form is rather long and complicated, the free, online Bankruptcy Means Test Calculator on this website can do the math for you and tell you how you would fare under the means test. This calculator is free and anonymous; you do not need to disclose your name, your email address, or any other identifiable personal information.
More info & resources...
- Means Test Calculator for Chesterfield County (based on Official Form 22A; helps determine whether you meet the threshold requirements for Chapter 7? (most people do..) and incorporates official spending allowances used in the bankruptcy means test for Chesterfield County)
Where to file for bankruptcy
If you have lived in Virginia for at least 91 of the past 180 days (six months), you may file at the court described below. If you've moved recently, you may have to file at the court that served your old zip code.
The 23831 zip code and all of Chesterfield County are in the jurisdiction of the
Virginia Eastern District Bankruptcy Court
Most of your interactions (including the filing of your forms) can be done by mail. However, you will need to go the courthouse, in person, at least once for a meeting with the bankruptcy trustee. (There's more about that meeting in Chapter 7 of How to File for Chapter 7 Bankruptcy.)
See the list below for more information about your court, including addresses and maps to the courthouse(s).
Check the court website for updates to this information before relying on it.
Newport News
Street Address: U.S. Bankruptcy Court 101 25th Street Room 106 Newport News, VA 23607 Mailing Address: U.S. Bankruptcy Court P.O. Box 1938 Norfolk, VA 23501-1938 New 341 Hearing Location Effective July 18, 2005, the Newport News 341 Hearing Room, for
Street Address: U.S. Bankruptcy Court 600 Granby Street 4th Floor Norfolk, VA 23510 Mailing Address: U.S. Bankruptcy Court P.O. Box 1938 Norfolk, VA 23501-1938 Public Office
Street Address: U.S. Bankruptcy Court 1100 E. Main Street Room 301 Richmond, VA 23219 Mailing Address: U.S. Bankruptcy Court 1100 E. Main Street Suite 310 Richmond, VA 23219-3515
Street Address: U.S. Bankruptcy Court 200 S. Washington St. Alexandria, VA 22314-5405 Mailing Address: U.S. Bankruptcy Court 200 S. Washington St. Alexandria, VA 22314-5405
General Information
Official Website for the Virginia Eastern District Bankruptcy Court:
What to look for there:
Here are a few basic things to look for on any court website:
- The local rules
- Local forms
- Some kind of web page, or downloadable plain English information about bankruptcy in its most general terms.
- Some kind of plain English information about court filing requirements.
- Specific instructions on how the court wants you to prepare and format a "mailing matrix" of creditor addresses.
Is your court willing to help someone without a lawyer?
Most bankruptcy court websites make little or no effort to help non-lawyers or provide important information in plain English. However, a few stellar courts do an outstanding job of providing practical, relevant information in plain English. There is no reason all courts can't do this; taxpayers should demand it.
See the LegalConsumer Court Ratings to see how well your court serves the public.
Steps 2 & 3. Buy What You Need & Get Help If You Need It
What bankruptcy costs
The cost of filing for bankruptcy is more than just the filing fee. There are fees for:
- mandatory pre-filing credit counseling
- mandatory debt management 'education'
- advice and information to help you decide whether to file
- preparing your forms for filing, making the required number of copies, and assembling them in the proper order
- other court procedures that may be required or beneficial.
Here's a rundown of the costs you're likely to incur:
Where to Find These Resources
To simplify your search for the bankruptcy resources you need, whatever they might be, this website offers of a wide range of free information, tools, and links to useful bankruptcy products and services.
Free Bankruptcy Forms and other info from the Virginia Eastern District Bankruptcy Court
Listings of required forms and links to free downloadable files all federal bankruptcy forms.
Other info from the Virginia Eastern District Bankruptcy Court
Links to local rules and information from your court specifically designed for non-lawyers. Free downloadable files all federal bankruptcy forms.
Means Test Calculator
Based on Official Form 22A, this calculator will give you a sense of whether you qualify for bankruptcy based on the official formula stated in federal law (11 U.S.C. 707(b)). The calculator applies local expense standards published by the U.S. government.
Virginia Bankruptcy Laws (Property Exemptions)
When you fill out your bankruptcy forms, you are asked what property you claim as exempt -- and the citation for it. This page gives you those citations and exemptions in summary fashion.
Professional Services
Step 4. Get on With Your Life
Congress changed the bankruptcy laws to make it harder for people to file. I created this website to make it easier.
The "Bankruptcy Reform and Consumer Protection Act of 2005" (BAPCPA) is a bad law. Some lawyers and law professors have taken to calling it the "Bankruptcy Abuse Reform Fiasco" (BARF). It's based on false assumptions about why people get into financial trouble and imposes additional rules and paperwork on people already overwhelmed by bad luck and unpayable debt.
Despite these new obstacles, bankruptcy law still provides valuable benefits to those who need it. It helps you get on with your life. Indeed, "getting on with your life" is the whole point of bankruptcy -- to put your debts behind you and go forward with a "fresh start." This website helps you learn about the benefits of bankruptcy and how to obtain them. It lists relevant and affordable products and services that can help you file for bankruptcy with a minimum of expense and hassle.
Information is not advice. Although this website will give you a lot of information about bankruptcy law and procedure, it does not -- and cannot -- tell you, specifically, how this information applies to your exact situation. Nor can it advise you which course of action is right for you.
Likewise, the listings of bankruptcy products and services are not endorsements. They are intended to expose you to the full range of tools and services that can help you file for bankruptcy. Think of these listings as a phone book, not a referral. It is up to you to evaluate the quality of those products or services and make your own purchasing decisions. If there are third-party reviews of products or services, I attempt to quote or link to them.
Remember to bookmark this website if you have found it helpful so far. You won't find a more comprehensive collection of bankruptcy resources and information anywhere on the Web. Make it your starting point for your bankruptcy research. And tell your friends.
Best of luck to you as you traverse your financial troubles,
Albin Renauer
co-author of How to File for Chapter 7 Bankruptcy, (Elias, Renauer & Leonard :: Nolo, 2013)
In Paperback and eBook (Adobe Reader)
Pub. Date: May 2011
Edition: 4th
Pages: 419 pp
Press Reviews
ADVERTISEMENTS - Services listed in advertisements are not endorsed or reviewed by LegalConsumer.com
Is bankruptcy right for you?
Total Bankruptcy can connect you with a bankruptcy attorney near you. Fill out the evaluation form or call (877) 257-9043.


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Monday, March 11, 2013
Beginning ESL
Time: 6:00pm-8:30pm
Location: Edmond
Beginning English as a Second Language (ESL) teaches students how to improve their conversational and listening skills in English. Register by calling 682-7873 or with the instructor the first day you attend class. Class and materials are free.
Co-Sponsor: OCCC

subset: commoncrawl


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HomeSaver Pro Insulation Kits
We put our Foil-Face FlexWrap insulation in a kit so you can get everything you need for a typical relining job as simply and easily as possible.
If you use one of our HomeSave Pro insulation kits with its matching relining kit you'll find the insulation is cut perfectly for the liner size you order. The liner kits come in 25', 30', and 35' lengths which means you will not have to measure and cut the insulation yourself, we've done that for you. Let's face it, the less you have to handle FlexWrap the better. as great a product as it is for insulating, it is not much fun to measure and cut.
But there's more
Our new HomeSaver P ro insulation kits come with 1/2" insulation. That means you only have to use a single wrap of insulation on the pipe, not the two wraps required with 1/4" insulation. Since one wrap of 1/2" gives a smaller outside diameter on the finished prodcut than two wraps of 1/4" or one wrap of 1", you'll have even more clearance for getting HomeSave Pro down the flue.
Naturally we've got HomeSaver Pro UL Listed for one wrap of 1/2" insulation so, when you follow our instructions , you can assure you customer that his system is completely UL Listed.
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These kits were made specifically for HomeSaver Pro and may not fit other brands of relining pipe due to differences in outside diameters.
With these options, why would you even consider buying anything but HomeSaver Pro when you want a premium relining product?
HomeSaver - we make it easier and easier for you.
Product Reviews
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The Goal Club is an association of dedicated College friends and alumni who support Iona's 21 Division I teams, club sports and general athletics programs. Annual membership to the Goal Club provides the needed equipment, facility upgrades, team transportation and academic support services for our student-athletes.
As a Goal Club member, you and your family will enjoy the fellowship and benefits of the club. As a member, you are the only individuals who have the opportunity to attend exclusive events, receive premium Goal Club merchandise, have first priority to purchase MAAC and post-season tournament tickets (based on availability), meet the coaches, and various other benefits associated with your giving level. Most importantly, members feel the pride and satisfaction of providing student-athletes with a quality education and a winning advantage as an athlete, student, and individual.
Join us by renewing or initiating a gift to the Goal Club. Your membership will ensure that Iona has the resources to continue positioning itself as a leader in the Metro Atlantic Athletic Conference.
Check out our:
- Events page
- Virtual hall of fame
- History of the Goal Club
- *make a gift online today*
- learn how to join and become a member of the "Team Behind the Teams"
*Be sure to select "Goal Club" as your designated fund*
In addition be sure to view the virtual hall of fame for an opportunity to nominate a potential Goal Club Hall of Fame inductee.
Owen Salvestrini
Assistant Athletic Director for Development
Iona College
715 North Avenue
New Rochelle, New York 10801
(914) 633-2071


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Analyst calls: Bristol-Myers upgraded
Alon USA Energy is initiated with a 'buy,' and Ferro is downgraded to 'neutral.'
- Bristol-Myers (BMY) upgraded to Neutral from Underweight at Atlantic Equities
- Facebook (FB) upgraded to Outperform from Underperform at BMO Capital
- PMFG, Inc. (PMFG) upgraded to Buy from Hold at Needham
- Ferro (FOE) downgraded to Neutral from Buy at Monness Crespi
- Alon USA Energy (ALJ) initiated with a Buy at Goldman
- Alon USA Partners (ALDW) initiated with a Neutral at Goldman
- Galena Biopharma (GALE) initiated with an Overweight at Piper Jaffray
- WhiteHorse Finance (WHF) initiated with an Outperform at RW Baird, and with a Buy at Stifel Nicolaus
- TranS1 (TSON) initiated with an Outperform at Barrington
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
It's been a rough road for the car-rental company. Analysts downgrade the stock after the news.
Top Stocks provides analysis about the most noteworthy stocks in the market each day, combining some of the best content from around the MSN Money site and the rest of the Web.
Contributors include professional investors and journalists affiliated with MSN Money.
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Savvy Senior Movies
At 2:00 p.m. on the 2nd and 4th Wednesday of the month, the Main Library hosts films about and starring seniors.
Aging is not lost youth but a new stage of opportunity and strength.Betty Friedan
At 2:00 p.m. on the 2nd and 4th Wednesday of the month, the Main Library hosts films about and starring seniors.
Performing, for me, has always been a very inner processBarbara Streisand
A monthly showcase of short new works and works-in-progress by local artists in many disciplines. One Sunday a month, come see new pieces in music, dance, writing, film, theater, performance art and the like, each 12 minutes or less.
Let food be thy medicine and medicine be thy foodHippocrates
Learn about the many health benefits and culinary uses of gourmet and medicinal mushrooms in an event presented by the Biocentric Bros.
The Salt Lake City Library hosts art exibits throughout the year. We also lists citywide exhibits here and in our events calendar. If you are a local artist, click on "Call for Entries" to get involved.
Exhibits are chosen by a staff committee according to the needs and interests of the community, the variety of shows, the artistic quality of the works, and the suitability of format for each library's physical space.


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Are those who have never heard of Christ going to hell?
That's one of the most emotionally laden questions that a Christian can ever be asked. Nothing is more terrifying or more awful to contemplate than that any human being would go to hell. On the surface, when we ask a …Read More
Is there a difference between being baptized with the Holy Spirit and being filled with the Holy Spirit?
At times when we read the New Testament record of those who are baptized in the Spirit or filled with the Spirit, it seems that these terms are used interchangeably, that they refer to the same phenomenon. At other times …Read More
What can Christians expect from God in regard to healing?
I don't know how many times I've seen on the walls of pastors' studies or in Christian homes the little sign, Expect a Miracle. If a miracle is something we can expect, like we expect the postman every morning, it …Read More
How does one convince a nonbeliever that the Bible is the Word of God?
Before I try to answer that question directly, let me make a distinction that is important at the outset. There's a difference between objective proof and the persuasion or conviction that follows. John Calvin argued that the Bible carries both …Read More
What are the characteristics of the Christian God that differentiate him from other gods?
Perhaps the most unique characteristic of the Christian God is that he exists. The other ones don't. Of course, that is a matter of profound debate, as we all know. I would say the chief and most critical differences have …Read More
There seems to be a difference of opinion as to whether a divorced Christian can ever remarry. When, and under what conditions, is this permissible?
It is difficult to sort out Jesus' teaching on this, partly because, when he addressed the problem, it was in the context of settling a dispute between different rabbinical schools of the day. The religious scholars came to Jesus and …Read More
What happens to children who die before they can accept the gospel?
In my own theological tradition, we believe that those children who die in infancy are numbered among the redeemed. That is to say, we hope and have a certain level of confidence that God will be particularly gracious toward those …Read More
Questions AnsweredHere you'll find responses to numerous questions R.C Sproul has been asked over the years.
- All
- Atonement
- God
- Heaven and Hell
- The Holy Spirit
- Jesus Christ
- Last Things
- Man and Sin
- Sacraments
- Salvation
- Systematic Theology
- Apologetics
- Christianity and Culture
- Ethics
- Philosophy
- Bible Interpretation
- Bibles
- Controversies in the Church
- Marriage and Family
- Practical Theology
- Spiritual Growth
- Sanctification and Growth


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I'm posting these for Shopp'n Cubs,
Looks like there may be more Cubs to be had.
Bigdog maybe we could team up???
Shopp'n Cubs Pics
Farmall Cub Forum -- Questions and answers to all of your Cub related issues.
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Shopp'n Cubs Pics
I'm posting these for Shopp'n Cubs,
Looks like there may be more Cubs to be had.
Bigdog maybe we could team up???
Last edited by Donny M on Fri Jan 09, 2004 4:50 pm, edited 1 time in total.
I seem to need some help in this.
Didn't want to do it this way but as brain dead as I am today....
Lets try this. http://www.novswr.com/shopp%27n_cubs.htm
Donny, you round 'em up, I'll haul 'em!
If you can't fix it with a hammer, you've got an electrical problem.
My wife says I don't listen to her. - - - - - - - - Or something like that!
Thanks Donny for the pics.
Big D/Donny
This guy was great. He and his brother ran a implement biz a number of years ago and he got into Cubs then. He had seven at one time. Still had five there today. A w&y flat face loboy, two '54-56 and two late '40 cubs. Plus two rusty AC G's.
He was telling me stories of how they used to unload the Cubs from rail cars right into the back of waiting customers pickups.
It will be hard for me to wait,:cry: but it is best. I am having a barn built this spring. So if I got the cub right now either it or my "other" kub (Kubota) would have to be parked under the deck! (Although I did put down some gravel under the deck this fall just incase... hmmm.)
'55 Cub, (but always shopp'n!) '02 Kub, '57 Ford 640
That is one sharp lookin Cub. Enjoy, looks like you got yourself a real deal!
Confusion breeds Discussion which breeds Knowledge which breeds Confidence which breeds Friendship
More '55 envy for me.
I have been hooked solid on the Cub, especially the '55.
Ever since I saw George Tackaberry's (Tack's Toys) '55 Loboy at the Athens Ontario Red Roundup in 2002.
Shopp'n, that's some mighty fine shopp'n for sure.
Some day, sooommmmeee day, I'll get my '55 too.
Almost bought a '56 Loboy last year, but $3600Cdn. plus hauling was enough to stop that one.
For me, it's mostly the smooth lines, compact size, and inner bigness.
Just Do It !
Remind's me when my local dealer had them lined up out front and a shed out back full of Cubs.
Young man for work, old man for advice
Yea Ron, I went for the hydraulic. He had a 48 with hand lift there and had told me on the phone he had a '50 with hydraulic. I walked in the shed and saw that grill and chrome "Farmall Cub" on the side and said "THAT ain't no '50"!!
I agree with many of the posts about the '55. I just love that chrome!
This one has the draw bar and back light. He said the rear light is one that you can turn red? I guess I have not heard of that before, is there a red lens or something inside the light? He said you just turn the knob on top.
Thanks for all the comments. It IS going to be hard to wait. But the shed they are in is not heated and about 5 mile away from this guys shop. Not sure how I would go about thawing out the Cub well enough to get it started and up on the trailer. He is about 90 miles away from me. If you guy's have any suggestion...
The blade would not be too bad to get off the ground/ice/snow. A good torch and pry bar would make fairly quick work of it I would think.
SEE now therr I go listen'n to you guys... it's been less than 12 hours! How the hell am I going to last tell April!!
'55 Cub, (but always shopp'n!) '02 Kub, '57 Ford 640
Pull the 3 pins that attach the blade to the frame, and winch the cub onto the trailer, that way you can get it started at your leisure.
"The Constitution is not an instrument for the government
to restrain the people, it is an instrument for the people to restrain the
government lest it come to dominate our lives and interests." Patrick Henry
Isn't that a coincidence.... I have a '55 (hydraulic) and a '48 (hand operated). If you can see on my Avatar, I'm on the '55 and my wife is on the '48 (she knows nothing about this picture as my avatar). Oh... she's also a 1948 model (now I'm really in trouble!!)
I think you'll be taking a few 1 1/2 hour drives before April. Especially on the Feb & Mar warm up days. And we know you will figure something out to get that puppy home sooner than April! And remember, you can mount that blade either in front as a snow plow or under the belly as a grader. See Rudi's web page for info.
I have the same light. Real neat job! It has a red bulb in the lower half of the reflector. When you turn the switch, the clear bulb goes out and the red one lights up!
I think it is neat. I like it a lot better than the single bulb version I had originally.
Confusion breeds Discussion which breeds Knowledge which breeds Confidence which breeds Friendship
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Barnard Buy New: $6.40 as of 8/20/2014 01:44 EDT details In Stock New (14) Used (88) from $0.01 Publication Date:2007 enlarge Turn Off the Fat Genes: The Revolutionary Guide to Losing Weight Author: Neal Barnard List Price: $16.00 Buy New: $3.99 as of 8/20/2014 01:44 EDT details You Save: $12.01 (75%) In Stock New (28) Used (65) Collectible (1) from $0.01 Publication Date:December 2001 enlarge Healthy Eating for Life for Children Author: Physicians Committee for Responsible Medicine List Price: $16.95 Buy New: $3.78 as of 8/20/2014 01:44 EDT details You Save: $13.17 (78%) In Stock New (34) Used (47) Collectible (1) from $0.01 Publication Date:January 18, 2002 Showing items 1-10 of 95 ‹ Previous 1 2 3 4 5 6 7 8 9 10 Next › CERTAIN CONTENT THAT APPEARS ON THIS SITE COMES FROM AMAZON SERVICES LLC. THIS CONTENT IS PROVIDED 'AS IS' AND IS SUBJECT TO CHANGE OR REMOVAL AT ANY TIME. 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Narrow your search
A wonderfully clean interface and strong features make Microsoft's Outlook.com a promising new player in e-mail, and a clear alternative to Google's Gmail.
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This attractive app is great client for any Android user with a Microsoft e-mail account (Outlook.com or otherwise).
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The founders of the German daily deals site have bought back the company from Google.
If you're a frequent shopper on Amazon.com, looking for a way to access the site from your phone, then download Amazon Mobile now.
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The search giant has acquired German company DailyDeal for an undisclosed sum. DailyDeal operates in Germany, Austria, and Switzerland.
The retail king gives its website a much needed revamp with some Amazon-like features.
Partnering with a facial recognition company, the dating site reportedly wants to help you get over your ex by finding you a duplicate (for a mere $5,000.)
With Father's Day almost here, you might have some shopping to do. How'd you like a gift certificate to an online retailer that sells just about everything?
The e-commerce design site plans to cut 80 to 90 employees from its New York operations this week.
Microsoft spiffs up Outlook.com with more advanced rules, new undo options, and in-line reply functionality.


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Reverse Osmosis
RO/DI SystemsWe carry a large variety of RO and RO/DI systems that remove impurities—chlorine, chloramines, pesticides, phosphates, heavy metals and many others—from tap water. DI (De-Ionizing) cartridges do an excellent job of removing phosphates, silicates and nitrates from tap water. They are highly recommended for reef tanks.
Seachem Pinnacle + RO/DIRead 2 Reviews FROM ONLY$499.98
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Motorola handsets are superbly crafted and feature some of the latest smartphone technology to ensure that you get a mobile experience unlike any other.
Running on the popular Android operating system, Motorola combines slick functionality with a designer feel, so your smartphone is not only practical, it looks good too!
Motorola has sent out invites to an upcoming event in January to announce a new device for the European market. Could this mean that the UK will finally be getting its own version of the Moto X?
Two stunning smartphones that offer looks, top specs and amazing value square off against each other!
Motorola has been fairly quiet recently, and releases here in the UK have been few and far between, or so it seems, compared to other manufacturer's recent activity. It is a surprise that there is no real headline release scheduled just before Christmas, however, has Motorola surprised us all with the Motorola Moto G?
The idea of a fully-customisable smartphone has been the holy grail of personalisation in the mobile industry, but it looks as though we are one step closer in the form of the Motorola Ara.
Wearable tech is all the rage at the moment, we are beginning to see an influx of smartwatches hitting the market.
American mobile brand Motorola are synonymous with many things; from sleek looks to extensive functionality and great value. With fantastic phone deals on some of their latest models, such as the Motorola Razr and the Motorola Defy, take a look at we have to offer and compare the specs of these fantastic smartphones.
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Republican Senator Mark Kirk made a surprising announcement on his blog Tuesday: He now supports gay marriage. It's the highest-profile switch by an Illinois politician since President Obama had a similar change of heart.
The senator suffered a massive stroke in January of 2012, and went through months of rehabilitation. He was welcomed back to work one year later, climbing the U.S. Capitol steps flanked by applauding colleagues.
AUDIO: Sen. Kirk on supporting marriage equality
Kirk says that when he returned to work, he did so with an open mind and with a greater respect for others.
"Same-sex couples should have the right to civil marriage," Kirk said. "Our time on this earth is limited. I know that better than most. Life comes down to who you love and who loves you back - government has no place in the middle."
Kirk told the Illinois Radio Network his friend's path breaking gay marriage ended quickly in one of the first gay divorces. He said two other things changed his outlook: the stroke last year that left him partially disabled and a recent movie about Abraham Lincoln ending slavery.
"I must say I've been pretty influenced by the latest Spielberg movie about Abraham Lincoln," Kirk said. "You just think about, as a Republican leader, my job is to make sure that each generation is more free."
Some of Kirk's fellow Republicans rejected the comparison to Lincoln and accused Kirk of betraying the party's platform and principles.
"The top leadership in the Republican Party continues to divorce itself from the grassroots support that elects at least a few some of them in Springfield," says Kane County Board Chairman, Chris Lauzen. "I think that it weakens our party even further."
Kirk is Illinois' ranking Republican lawmaker. His announcement comes less than three weeks after Sen. Rob Portman of Ohio became the first Republican in the Senate to say he supported gay marriage and one week after the U.S. Supreme Court held two days of oral arguments on the subject.
It also comes as the Illinois Legislature is giving final consideration to a measure that would make Illinois the 10th state in the nation to allow same-sex marriage.
"People are changing their minds. They're thinking this through. They're talking to their neighbors," says North Lakefront Democratic Representative Greg Harris. "They're talking to their families. And they're saying, "You know, look. We need to stand up for what's right."
The Illinois Senate voted in February to lift a state ban on same-sex marriage. The legislation also was approved by a House committee, but has yet to be called for a floor vote. Speaker of the House Michael Madigan said recently he believes supporters are a dozen votes short of what they need for the bill to pass.
Gov. Pat Quinn, a Chicago Democrat, has said he would sign the measure.
Kirk's announcement could give political cover to Republicans in the Illinois House who are considering a yes vote but are fearful of a backlash -- or a primary challenge -- from social conservatives.
The news was greeted with enthusiasm by supporters.
"We continue to see the momentum behind marriage equality grow, especially among Republicans." said Rick Garcia, Director of the Equal Marriage Illinois Project and Policy Director for The Civil Rights Agenda, Illinois' largest gay rights advocacy organization. "The momentum is stunning and we welcome it."
Kirk served five terms in Congress representing Chicago's northern suburbs before he won the 2010 race for President Barack Obama's vacated Senate seat.
He previously voted to end the policy barring gays from openly serving in the military, known as "Don't Ask, Don't Tell," and is a lead co-sponsor of a bill to ban employment discrimination based on sexual orientation.
He also supported Illinois GOP Chairman Pat Brady after Brady announced his support for same-sex marriage earlier this year, drawing the ire of his party's social conservative wing. When some members of the state central committee attempted to oust Brady, Kirk said Brady had his full support.
Kirk is only the second sitting GOP senator to support same-sex marriage.
The Associated Press contributed to this report.
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WASHINGTON -- Nationals general manager Mike Rizzo was named the Executive of the Year by the Boston chapter of the Baseball Writers' Association of America. Rizzo will officially receive the award, presented annually since 1967, at a ceremony on Jan. 24 in Boston.
Rizzo is the third member of the Nationals to win a postseason award. Outfielder Bryce Harper was named National League Rookie of the Year, while Davey Johnson won NL Manager of the Year honors.
Rizzo was one of the biggest reasons the Nats won their first NL East title this past season. The GM made the trade for left-hander Gio Gonzalez last winter, and Gonzalez went on to lead the Major Leagues in victories with 21.
Rizzo also has the distinction of selecting pitcher Steven Strasburg and Harper in the First-Year Player Draft in 2009 and '10, respectively.
But Rizzo's best signing of all might have come in June 2011, when he inked Johnson as manager.
Under Rizzo, the Nationals have won at least 10 more games each of the last three years (59 wins in 2009, 69 in '10, 80 in '11, 98 in '12). The last team to do so was the Boston Red Sox from 1906-09.
Prior to this past season, Washington's Minor League system was named the best in baseball per the 2012 Prospect Handbook, which is published annually by Baseball America. The Nats' No. 1 ranking stands in stark contrast to the 2007 season, when their system ranked 30th.
Bill Ladson is a reporter for MLB.com and writes an MLBlog, All Nats All the time. He also could be found on Twitter @WashingNats. This story was not subject to the approval of Major League Baseball or its clubs.


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The 2002 First-Year Player Draft may in the future be recalled as one of the best ever. Only hindsight is crystal clear in such events.
But for the present, drafting tendencies seemed to bear out the prevailing sentiment going in: That this year's talent pool didn't have a deep end.
By the end of the process, no obvious trends emerged. When you put this many rounds and names in the blender, it is unlikely to end up with significant variations year-to-year.
Nevertheless, the most reliable confirmation of that acknowledged talent shortage is the absence of traditional baseball powerhouses at the top tiers of the draft. In a typical year, the cream flows from magnet universities in California and the South.
USC, a traditional darling of scouts? Not until No. 334, midway through the 10th round, when the Indians took first baseman Bill Peavey.
Right from the beginning, this was a draft of concessions.
The Pittsburgh Pirates spent their valuable first pick on a fourth-year college pitcher whom they themselves immediately labeled as a best-case scenario No. 3-type starter.
Ball State right-hander Bryan Bullington became the first pitcher taken overall No. 1 in the draft since 1997 (Matt Anderson, by Detroit), and the first thing he had to hear was ways he can improve.
"We still look at him as a couple of years away," said Pirates general manager Dave Littlefield. "On the plus side, that may mean ... he'll be an even better pitcher than we see now. He's improved a lot and, beyond the radar gun and the things that are easy to measure, he's a smart guy, he's very competitive and very determined."
The things you normally hear about Nos. 1 aren't so tentative or tempered.
The next eight teams picking all went for high-school players. Or, by definition, for "futures."
Tampa Bay spent its No. 2 selection on a spindly shortstop; B.J. Upton has the potential to be great, but not for several years. Heck, last year's No. 2 (Mark Prior) is already in the Cubs' rotation.
A total of 17 high-school players went in the first round, the most since 1996. Last season, only 12 of the first 32 picks came out of the preps.
Oddly, while a lot of their competition focused on young players whom they can develop, the Oakland A's went in the opposite direction. This was significant, because of the considerable pressure on the A's to ace this draft after the loss of several free agents endowed them with seven picks within the first 39.
And Oakland spent all seven of those, including four in the first round alone, on college players. Going further, each of the A's first 23 selections was of a college player.
Even bountiful drafts include many selections whom clubs have no immediate plans to sign, but want to reserve the right to do so if the player improves sufficiently in the next 12 months, prior to the ensuing draft. Hollywood calls it "taking out an option." Baseball refers to such prospects as "draft-and-follow" guys.
The 2002 draft entered the draft-and-follow stage a little earlier than usual.
Tom Singer is a reporter for MLB.com. This story was not subject to the approval of Major League Baseball or its clubs.


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Customer Reviews
Questions & Answers
Do you have questions about this product?
get answers from real customers and in-house experts with AnswerBox.
Q:Does the rose argan body conditioner come in this gift? It shows it in the main photo but doesn't show up under "what's in this gift" so I'm not sure!Asked on 4/15/2013 by Samantha from Florida
1 answer
A:Rosie does contain the Ro's Argan body conditioner as well as the Amandopondo bubble bar, Rose Jam bubbleroon, and Rose Queen bath bomb!Answered on 5/18/2013 by Melissa S from LUSH Direct


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While Nebraska is doing better financially than they were in the Big XII, the other Big XII schools have since passed Nebraska in terms of league revenue. But that changes in 2017, when Nebraska...
I see your $52 million lawsuit and raise you $105 million!
A breakdown of the different Texas candidates from an OSU perspective.
UT President Bill Powers testified before a Texas house committee on Wednesday that his running battle with members of the board of regents cost the University over $1 million while also damaging...
#4 Iowa and #15 Iowa State set to battle Sunday at 2:00PM
Come share what you hate about UVA!
Waxing poetic on an ACC "rivalry" that never quit panned out.
Alabama vs. Mississippi State: This week Saban said that Mississippi State is maybe the best 4-5 team in the country.-This is hilarious, because Florida is 4-5.-As are Northwestern, UNC, Indiana,...
Let me be the first to welcome our new YUM! Brand overlords.
"Maryland, Clemson and the Struggle for National Relevancy" During football season in College Park, MD, it always rains. A lot. It's an autumnal rite of passage for Terps fans and a dreary...
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Books & Publications
In the Shadow of Chance, Julian L. Taber (2001)
Explores the gambler's distortions of thought, personal agony and social destruction caused by gambling addiction.
Pathological Gambling: A Critical Review, National Research Council (1999)
In depth review and information on prevalence of pathological and problem gambling as well as its effects on individuals, relationships, and society.
The Chase, Henry R. Lesieur (1984)
A study of the social forces facing the compulsive gambler.
When Luck Runs Out, Robert Custer and Harry Milt (1985)
A complete examination of pathological gambling and its treatment.
When the Chips are Down, Rachel A. Volberg (2001)
Provides readers with an understanding of the challenges posed by problem gamblers to policy makers and the general public.
For Friends and Loved Ones:
Behind the 8-Ball, Linda Berman and Mary-Ellen Siegel (1992)
Written as a supportive guide for spouses and those affected by the behaviors of a compulsive gambler.
Losing Your Shirt, Mary Heineman (1992)
Reviews approaches for families in dealing with problem gambling.
Don't Leave it to Chance, Federman, Drebing, and Krebs (2000)
Review of research and general information and practical advise on problem gambling.
For Treatment Professionals:
Counseling Problem Gamblers, Joseph W. Ciarrocchi (2002)
Comprehensive, user-friendly source for understanding and treating pathological gambling.
Understanding & Treating the Pathological Gambler, Robert Ladouceur (2002)
An overview of treatments that have been used for pathological gambling and a review of the difficulties encountered in the process of therapy.
Additional Website Resources>>
|Resources Policy:
Inclusion of resource links on the Nevada Council website should in no way be construed to constitute an endorsement of any individual, agency, or organization, nor should exclusion be construed to constitute disapproval. The Nevada Council does not control the content of other sites, but provides these links to assist our visitors in their continued search for problem gambling related information. The Nevada Council encourages all visitors to evaluate and use the resources they deem appropriate to their interest and needs.


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Scald burns from hot water and other liquids are the most common burns in early childhood. Because burns range from mild to life threatening, some can be treated at home, while others need emergency medical care.
If your child is severely burned, call 911 right away. While you wait for help, begin these treatments:
Reviewed by: Steven Dowshen, MD
Date reviewed: April 2014
© 1995-2014 KidsHealth®. All rights reserved.


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CNHI News Service
CENTERVILLE, Iowa — Police said a man whose gun accidentally fired in his pants pocket while at Walmart on Sunday kept on shopping, paying for his items and leaving as though nothing had happened.
Christopher William Strube, 50, was arrested Monday and charged with discharging a weapon within city limits.
Strube was shopping Sunday afternoon with his .45-caliber gun in his pocket, when a bottle he was carrying bumped into the gun and caused it to fire one round, police said. Strube told police that after the gun went off, he paid for his items and left the store.
Employees and customers said they heard a gunshot and smelled gun powder. Police later found a .45-caliber bullet inside a can of beans.
No one was injured, and Strube does have a valid concealed weapon permit, police said.
Details for this story were reported by The Daily Iowegian in Centerville, Iowa.


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Our Fit Improvement Team (F.I.T.) will help you get the right fit in the unlikely event that you incorrectly measured your blinds or shades, and we will correct the problem for FREE!**
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These Fabric Roman Shades seen exclusively on ABC's Extreme Makeover: Home Edition. SelectBlinds' Basic fabric roman blinds combine aesthetics with quality to guarantee you total satisfaction. Although these roman shades can be sold as Blinds at Huge Savings, they can transform any room in your home with their casual elegance and variety of options. These Basics come standard with the popular Flat Fold style, and can also be ordered with a Hobbled or Classic fold.
Fabric Care Instructions
Fabric Type and Repeats


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Your Credit Card Is Turning You Into Open Book
Safeguarding Your Financial Information and Identity
Your Credit Card Is Turning You Into Open Book
Whether you like it or not, your credit card use places you squarely on the grid for everyone to see what you do, where you shop, what you like to buy, and even predict what you might want to buy. Every swipe of your card unleashes a stream of data that is used by your bank and your retailers to build a profile of your shopping habits that can then be used to target you with ads, offers and discounts you are likely to want to see. The grocery chains have been doing this for some time with their club card programs which is how you end up with a coupon at checkout based on your preferences. Now the banks are working with retailers to do the same on just about any other type of purchase.
The major banks are now tracking your purchases and spending habits and creating shopping profiles that they sell to retailers who can then target customers based on those profiles. For instance, Bloomingdales would be interested in shoppers who frequent Nordstrom, so they can glean from the profiles Nordstrom shoppers who would be more likely to act on an offer from Bloomingdales. Consumers will then receive offers through the mail, email or even through text messages.
It's perfectly legal. We are assured that bank customers should not be concerned with privacy because the banks don't share any personal data. They only respond to a retailer's request for a certain profile. In the age of Facebook and Google, which have mastered the technology for harvesting your online information for advertising purposes, this new bank initiative is nothing new. In fact, for consumers who find themselves inundated with offers and ads, they may even find it more beneficial because, at least, they'll receive more relevant promotions.
Just thought you'd want to know.


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CNHI News Service
— Tornadoes and severe thunderstorms swept across the Midwest on Sunday, killing at least six people and causing significant damage in dozens of towns in Indiana and Illinois.
Two people were killed in the southern Illinois community of New Minden, and two others were killed further south in Massac County, officials said. A third was killed in Washington, Ill., near Peoria.
In Chicago, Soldier Field was evacuated and the Bears game delayed as the storms approached.
In Indiana, at least 12 counties reported tornadoes, or damage believed to be caused by tornadoes, Gov. Mike Pence said.
A presumed tornado left large swaths of the south side of Kokomo, Ind., in shambles, flipping cars, downing power lines and turning homes and businesses into rubble. High winds pushed the second story of a house into the middle of the road, trapping a woman beneath a car.
Although minor injuries were reported around the city, preliminary reports indicate there have been no deaths. The city declared a state of emergency and ordered residents to remain indoors until 6 a.m. Monday.
"The damage is unbelievable, but what's more unbelievable is that we had so few injures," said Kokomo Police patrolman Chris White.
A tornado is also believed to have struck Lebanon, Ind., destroying a Starbucks store, where travelers from the nearby Interstate 65 had sought shelter. Carly Arnold, 17, said she had just reported to work as a barista when a man told everyone to get into the bathroom.
"People were screaming and one woman was lying on the floor because she was too scared to move," Arnold said. "We heard glass shattering and metal twisting. Then it sounded like a train."
They were only in the bathroom a few minutes, and when they opened the door they saw the building had been destroyed.
"It only came to me now how scary it was," Arnold said.
The National Weather Service had issued warnings of damaging storms and late-season tornadoes Sunday. Meteorologists said the greatest risk existed in parts of Illinois, Indiana, Ohio and southern Michigan.
Details for this story were reported by The Kokomo (Ind.) Tribune and The Lebanon (Ind.) Reporter. The Associated Press contributed to this report.


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The training discusses the importance and ADA requirements of accessibility in health services.
The Citizen-Centered Leadership Development Community of Practice series is a unique combination of self-paced distance learning study, robust field work, interactive class assignments and live webcast instruction designed to advance theoretic and skill-based learning leading to quality outcomes in the lives of people with disabilities.
The Conference Board's September Book Discussion FREE webcast will feature Susanne M. Bruyère, Ph.D., CRC, Director of the Employment and Disability Institute and Associate Dean of Outreach at the Cornell University ILR (Industrial and Labor Relations) School, and co-author Linda Barrington, Ph.D., Executive Director of Cornell's Institute for Compensation Studies, as they discuss their latest book, Employment and Work – Disability Key Issues and Future Directions.
Speaker: Nancy Horton, Information Specialist, Mid-Atlantic ADA Center
The 2010 Standards for Accessible Design define requirements for accessible buildings and facilities, and include many specific provisions for hotels. Although ADA requirements have been in effect for several years, the new 2010 Standards include some significant changes, and there is a great deal to know to fully understand these requirements. This session will provide an overview of the new requirements that are important for the lodging industry, including requirements for swimming pools and other recreational facilities. Accessibility survey tools and other resources will be shared. There will be ample time for questions and answers. This session will be submitted for AIA credit.
The training explains the rights of people with mental disability under the ADA, including reasonable accommodation and answer the questions of the audience about this subject.
Person-centered work was never about disability. Everyone is born "in." Join your host Carol Blessing and featured guest Jack Pearpoint as he reflects on the origin and intention behind person-centered planning.
The Mid-Atlantic ADA Center presents:
20th Annual Mid-Atlantic ADA Update
Wednesday, September 18 & Thursday, September 19
BWI Airport Marriott Hotel
Baltimore, Maryland
Don't miss the region's leading conference on the Americans with Disabilities Act!
Learn the latest information on the Americans with Disabilities Act at our 20th annual conference featuring representatives from:
Keynote Speaker on September 18:
Kirk M. Bauer, JD
U.S. Army, Retired
Executive Director, Disabled Sports USA
This year's breakout sessions will include tracks on:
Continuing Education Credits
Stay current with government and regional practices and policies, hone your skills, and expand your network!
Registration fee is $299
(includes 2 full days, 2 continental breakfasts, 2 lunches)
For further information and to register:
For more information, contact the Mid-Atlantic ADA Center:
e-mail: email@example.com
phone: 1-800-949-4232 V/TTY
web: http://www.ADAinfo.org
People with disabilities represent one of the largest diversity populations in our country and in our workplaces. After over twenty years of the ADA, most leaders understand the basics around compliance. Yet, many leaders struggle with the "gray areas" of the ADA in real-life in the workplace, including questions such as:
· What can I ask job applicants about disability?
· If someone did not tell about a disability when hired, do they have a right to an accommodation if hired?
· How much leave do we need to provide as an accommodation?
· How medical information can we collect?
· Are job transfers a reasonable accommodation?
· What if I provide an accommodation and the worker is still struggling?
· What should I tell other workers about a co-worker's accommodation?
· What can I say to an employee who I believe might be struggling in a job because of a disability?
· How do I respond to an employee who I believe might have a mental illness?
· What if believe there is a safety issue involving an employee with a disability?
During this session, we will co-explore key situations and dilemmas around leading workers with disabilities. This will include hiring, disclosure, accommodation, retention, inclusion, disability inquiry and other issues. Also, we will consider recent changes in laws and policies that impact disability practices in the workplace. The interactive session will include film clip discussion, presentations, case studies and scenario analysis.
The trainer, with the assistance of a sign language interpreter, explain the effective communication rights of deaf people under the ADA and answer the questions of the deaf audience about it.
This course explores benefits and work incentives planning, the code of conduct of Benefits Practitioners and effective communication strategies using lecture, PowerPoint and written materials. This skill-building session provides opportunity for question and answer. Online polling will be used to test participant knowledge. A preparatory reading assignment will be provided and is required.
Too often, disability represents the "forgotten" diversity. Though people with disabilities represent one of the largest diversity populations in our country and in our workplaces, disability is often not meaningfully included in diversity initiatives. How is disability different? Why does disability matter in the CVS workplace? What hidden assumptions and expectations drive decisions about people with disabilities in the workplace? What are some strategies and practices to fully utilize the talents of people with disabilities in the CVS workplace? What are some emerging legal and policy issues that impact our disability practices?
In this workshop, we will co-explore emerging legal, human and practice issues around disability inclusiveness, including:
· Why should disability be included in diversity/inclusion initiatives?
· What automatic assumptions do we bring to disability? How does this impact our workplace decisions, such as hiring, development, assessment and succession?
· How many people with disabilities are in the CVS workplace?
· What about nonobvious disabilities?
· How can we interact appropriately with people with disabilities in the workplace?
· What about hiring and recruitment?
· What about coaching and performance management?
· What are accommodations? What is an accommodation request?
· What changes in the laws and regulations impact us?
· What's coming? Emerging disability issues: Veterans with disabilities, our aging workforce, emerging assistive technologies, etc.
The interactive session will include film clip discussion, presentations, case studies and scenario analysis.
This comprehensive discussion of SSAs disability standard, review and appeals process, uses PowerPoint, lecture and written materials to provide a detailed overview of the program the majority of American workers will depend upon should they become faced with a disabling medical condition. This detailed session provides opportunity for question and answer. Online polling will be used to test participant knowledge. A preparatory reading assignment will be provided and is required.
This session will review the following topics: • Quick overview of ADA • Does ADA apply to US territories? • Territorial disability law in Puerto Rico • Recent case law—Puerto Rico • Territorial disability law in the US Virgin Islands • Recent case law—Virgin Islands • Emerging trends & challenges for territorial disability law
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This week I had committed to volunteering at a nursing home that was filled on one floor with dementia patients. I questioned myself why I was doing this, and thought of cancelling. My thoughts of course were about my mom who suffers with Alzheimer's disease . I did not truly understand why I would place myself in such an atmosphere, that would only bring up my feelings about my own mother. Yet I felt that since I made the commitment I needed to live up to it and at least go this one time.
As I grew older, my father grew younger. I was 17 when my father ran away from home, leaving the television on behind him, the remote control lying at the base of the recliner that was still extended. I was supposed to be looking after him that afternoon as he sat in his recliner watching the stock market channel, staring at the numbers, forgetting each and every sign and symbol. I remember trying to keep my heavy lids from falling but finally giving in to the comfort of a woven, cotton blanket and familiar warm pillow. And when I finally awoke that afternoon, I saw that he was gone.
The saddest part is that my story isn't unique. Many who read this will have similar ones to tell. Noticing that my mom wasn't quite right was a scary revelation. Realizing that it was happening at the age of 55 was terrifying. She is a wife, mother, daughter, sister, friend -- roles that she taught me how to do well. She was an avid reader and trivia buff. She was a registered nurse at a nursing home for 22 years, a job she enjoyed tremendously. She has lived in one now for 7 years.


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Thanks for careing
Prayer Requests, Family Announcements, Weddings, Anniversaries, Birthdays, etc.
Moderator: Team Cub
15 posts • Page 1 of 1
Thanks for careing
I just wanted to thank all of those who have cared so much about my health lately. I so appreciate the well wishes and advice. Now all the tests are done , so I thought I would give ya all a rundown on what we found.
It started a month or so ago, I started having chest pain, radiating down my left arm. nope not a heart attack.
1) The Dr.'s decided I needed a stress test. It showed I had an area of my heart that was not getting enough blood flow.
2) They decided to do a heart catherization to check for any blockage. They checked my cholesterol-140-total They did the Cath. and found I had NO plaque-(Dr. commented he had never seen such a clear heart.) It did show that the heart is enlarged, twice the size of normal, and very weak.
3) They also found I have severe sleep apnea-I kept falling asleep during the Cath and would stop breathing.(sleep study is scheduled)
4) they decided to do another Eccocardiogram to check my valves. This showed my heart works at about 45-55% of what it should ( this has been true for quite a while)
5) my visit today was for pain in my left shoulder and elbow. I have severe tendinitis in both, probably radiating into my chest- thus explaining the chest pain-in conjunction with the enlarged heart.
So it appears I am not in much worse shape than I have been for a few years. The pain from tendonitis, tired because of sleep apnea. Just a good reminder i can't take my health for granted.
Thanks to all of you again for careing.
Re: Thanks for careing
Good to hear that you are doing ok Dale. Tomorrow you can play out in the barn.
1940 Farmall H, 1947 farmall cub, 1958 David Bradley SP, 1964 cub cadet 70, 1965 Bolens 1000, 1966 cub cadet 123, 1973 Mf 12 http://s222.photobucket.com/albums/dd207/truckguy_02/
Re: Thanks for careing
Thanks for the update. Good to hear the good news. You'll have to give us all a lesson on keeping a clean heart.
Take care of yourself, dude.
In the middle of every difficulty lies opportunity. - Albert Einstein
Roy Edenfield
Deep South CubFest
February 13 & 14, 2015
Re: Thanks for careing
Good news Dale take care i do want you want in reason
Re: Thanks for careing
just shows, you cant keep an ole man down. Take care Dale.
Re: Thanks for careing
So "that's the way Dale does it."
Seems a fitting view from what you said at Stonethrow.
Now you just got to get that truck a heart job.
"Life's tough.It's even tougher if you're stupid."
- John Wayne
" We hang petty thieves and appoint the great ones to public office."
- Aesop
Re: Thanks for careing
Dale, glad to hear they are getting things under control.
That is great results. If my total cholesterol ever fell to 140 it would be my doctor who would have the heart attack!!!!
High atop Hummingbird Hill
In the Missouri Ozarks
Re: Thanks for careing
Good news. Thanks for the update.
"The probability of life originating from accident is comparable to the probability of the unabridged dictionary resulting from an explosion in a printing shop." Edwin Conklin, biologist
Re: Thanks for careing
I had a sleep study about a year ago and it really helped me. They discovered that I had sleep apnea, plus acid reflux and restless leg syndrome. Now all of these are under control and I'm feeling MUCH better. You'll be amazed at how much better you feel after the sleep study and getting the things they discover under control.
Two 1953 Cubs, 1948 Cub, 22 mower, 10A disc, 144 cultivators, 189 plow, 54A blade, Johnny Bucket
1968 Cub Cadet 124, Cub Cadet 129 and Cub Cadet 782, mower decks, rototillers, front blades
Re: Thanks for careing
Thanks for the update. Sounds like your doctors are on top of the situation, and I'm glad for that. Pay attention to what they tell you to do, (and not to do!), and take it easy bud!
All good prayers and best wishes from Jawja!
I found this old Cub, Forgotten and Forlorn,
With pistons and valves frozen and worn.
Help from my buddies on Farmallcub.com,
And an engine from Ralph, (37's the one),
Now ole Corky is running and back to life,
Much to the surprise of my dear, dear wife!
Re: Thanks for careing
You know we love and care for you and we only want the best for ya. Mind the doctors and Jan and get well soon.
Re: Thanks for careing
Yeah what, Ellen said but I ain't hugging you
Re: Thanks for careing
Glad to hear that there are no blockages etc., and that your cholesterol is reasonable. The Sleep Apena can be a pita for sure, and many who have heart conditions also suffer from that. It will probably take some getting used to.. gotta pace yourself and not try to do what you did 25 years ago. I keep telling myself that, but it is still a hard sell ... However, as we age, we need to take good care of our parts... not like we can get replacements at the Parts Counter at our local dealer now can we So it is a life changing scenario I guess... but.. with faith, listening to your Doctors and taking care of yourself.. prognosis is probably 100%
We wish you good health, Peace (+) and continued prayers.
Confusion breeds Discussion which breeds Knowledge which breeds Confidence which breeds Friendship
Re: Thanks for careing
Dale, Dale, Dale to care of yourself and listen to the boss and the doctors . pace yourself brother. see ya soon.
' its just plain ole Ron '
Re: Thanks for careing
dale keep on doing the right thing, it's no joke and a serious peace of business. i have an enlarged heart also. michael
One Life , One Love , A Love Supreme
1955 michael e. pugh el
The only thing new is untold history, Harry Truman
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Avianca connects Colombia and South America with the world and is recognized by its high technical, operational, and service standards. TACA Airlines unites the American continent through its three hubs (El Salvador, Costa Rica, and Peru) and a wide route network that serves from Canada to Brazil. Joined Star Alliance 2008.
You earn Basic points on selected booking classes that count towards a higher membership level and you can spend points on all flights operated by Avianca and Grupo TACA that includes TACA International Airlines, LACSA, TACA Peru and Aviateca.Award reservations can be made up to departure provided that the trip can be booked to/from e-ticket destinations. Book through your local Member Service.
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Kent Education Learning and Skills Information
The Kent Education, Learning and Skills Information
website (or KELSI, for short), has
replaced the previous Kent Trust Web site as Kent County
Council's main website aimed at schools, settings and other
education, learning and skills professionals in Kent.
The quickest way to find something is to use the site search. We
also have an A to Z Policy
Index (coming soon) and, of course you can browse
through the site using the navigation on the left hand side of the
Headteachers and Principals
Bursars and Business Managers
Governors and Pre-school
Early Years Providers
Primary Schools
Secondary Schools
Further Education Colleges
Special schools / SEN
24 hour helpline: 08458 247 247 Text Relay: 18001 08458 247 247
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Home>What's On>Film>Summer>Art Documentary Screening
Free screening of a documentary about Della Francesca's 'The Resurrection'.
Part of a BBC arts documentary series called The Private Life of a Masterpiece which tells the stories behind great works of art.
Duration: 50 minutes.
The Taking of Christ was one of three works painted by Caravaggio for the Marchese Ciriaco Mattei in Rome in 1602, at a time when the artist was at the peak of his fame.
Find out more
Public Tour: Highlights of the Collection
Sunday 21 Sep13:30 –
Monday 25 August
Monday 25 Aug13:00 –
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Tel: +353 1 661 5133 | Fax: +353 1 661 5372 | E-mail: email@example.com
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COUSIN-Snap In Style: Metal Accents. Adding glitz and glamour to clothing and accessories is a snap! These metal accents are actually snaps that can be added to a variety of fabric projects to give them a personalized touch. Each piece consists of two parts--the back base portion that gets attached to the fabric and the front decorative portion that snaps onto the base. Each package contains one metal snap set. Available in several styles (each sold separately). Imported.


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Flying Wild Alaska Postcard iPhone 4 Case
(1 review)
(1 review)
Theyre Flying Wild Alaska. Theyre the Tweto family! How do they do it? They support their whole community on the Bering Sea coastline with their family business - ERA Alaska. From husband and wife, Jim and Ferno, to their daughters, Ayla and Ariel, the whole gang makes the business run flying critical cargo in -40F winters and torrential winds for months on end. Show them youre a fan with Flying Wild Alaska gear.
This iPhone 4 Case speaks to your fandom and style! Its sleek and modern design securely snaps onto your phone. Lightweight, smart and savvy, it protects your phone from damage and usual wear and tear.
- Cover attaches to back and does not cover screen.


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Balance-n-Brighten Baked Color Correcting Foundation is a unique Baked powder that can be used on its own or combined with your favorite base for a flawless finish. This newly formulated foundation is mineral oil and paraben free. It is also loaded with the age-fighting, anti-oxidant protection of Centella Asiatica and White Tea. Designed with swirls of soft tan and cream, its luxuriously smooth and silky texture helps offset ruddiness, brightens sallow tones, and balances most complexions.
Porcelain: Very fair skin, burns easily, with pink undertones
Fair: Fair skin with neutral undertones
Medium: Medium skin with cool undertones
Tan: Mediterranean skin tones, olive to tan skin with yellow under tones
Deep: Olive to deep skinned women of color with yellow undertones
How to Use
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I tried using this and it blends perfectly with my skin, doesn't clog my pores or break me out, and lasts for quite a while considering my skins oily nature. I would definitely recommend this product to any of my friends, and I will be purchasing it again for myself.


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The Five Biggest Contradictions in Fitness
Its no secret that when people contradict themselves, it has the effect of making the flaws in their actions or statements seem glaringly obvious. But what about when WE ourselves get caught contradicting ourselves by someone else?
Please click the "like" button for Facebook if you like the article and feel free to like it on Twitter.
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The early case for telecommuting — made most prominently by Alvin Toffler in his best-selling "The Third Wave" in 1980 — had a strong romantic flavor to it. For futurists like Toffler, the home office would be an "electronic cottage" that might "glue the family together again," provide "greater community stability," and even trigger a "renaissance among voluntary organizations." Forget about bowling alone: In Toffler's future, we'd all be telecommuting together! (Toffler, it must be said, was only popularizing ideas that had been aired many decades earlier. For example, Norbert Wiener, the father of cybernetics, had already speculated in his landmark book "The Human Use of Human Beings" about how an architect in Europe might use a fax-like machine to supervise the construction of a building in America.)
The business press eagerly swallowed such stories of emancipation through technology; the San Jose Mercury News enthused in 1983, "Home computers are nurturing working mothers." Back then, it didn't seem unreasonable to expect that the "electronic cottage" might one day allow us, as Karl Marx once put it, "to hunt in the morning, fish in the afternoon, rear cattle in the evening, criticise after dinner." For Toffler and his followers, humans would use computers to get more work done in less time while bypassing the alienating experience of a 9-to-5 city job.
It would be fair to say that Toffler's dream — let alone Marx's — is still a long way off. In some limited form, of course, telecommuting has taken off quite handsomely. Earlier this year, a poll from Ipsos/Reuters found that about one in five workers around the globe telecommutes frequently — a practice especially common in the Middle East, Latin America and Asia. Even there, many telecommuters worry that the lack of face-to-face contact with their bosses will hurt their chances of promotion. (One caveat on telecommuting research: Each study defines it slightly differently. In this case, it refers to "employees who work remotely from their office, communicating by email, phone or online chats, either daily or occasionally.") Pollsters didn't ask, but it seems reasonable to assume that few of those workers think of themselves as living in an "electronic cottage" of any kind. One of the reasons for it is that relatively few firms have fully embraced telecommuting. Sure, many permit employees to spend every second Friday working from home, but they still require some face time in the office.


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Discover More: Understand the wonders of the human brain, the most complex organ
in the human body, at a free workshop open to the public.
Brain Works was a "sold-out" event in 2013, with more than 500 people joining us for a fun-filled evening that included hands-on demonstrations, educational booths, and an engaging presentation by Dr. Eric Leuthardt and Dr. Albert Kim.
The date and location for Brain Works 2014 will be announced soon. Please fill out the form on this page to make sure that you're the first to reserve your seat.
Request a free DVD of Brain Works 2013
Last year's event filled up fast. Sign up to be the first to know when we announce this year's event:
Learn about the Brain-Computer Interface
Treating Brain Tumors with Intraoperative MRI (iMRI)


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Features Actual Space Flown Relic from Apollo–Soyuz
The Apollo–Soyuz Test Project was the first joint U.S.–Soviet space flight, and the last flight of an Apollo spacecraft. The flight launched in July 1975, and was the last manned US space mission until the first Space Shuttle flight in April 1981. The mission included both joint and separate scientific experiments and provided useful engineering experience for future joint US–Russian space flights, such as the Shuttle–Mir Program and the International Space Station. This photograph shows the Apollo spacecraft being recovered in the Pacific Ocean on July 24, 1975 after traveling over 3.5 million miles. In total, the spacecraft flew 136 orbits around the earth during its nine day mission.
This photograph is matted to include a piece of flown Kapton relic. This pressure-sensitive Kapton polyimide tape was part of the spacecraft's thermal protection subsystem and was removed from the heat shield after splashdown. Kapton is a polyimide film developed by DuPont which can remain stable in a wide range of temperatures, from −273 to +400 °C (−459 – 752 °F).
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- Season Calendar
- New Productions 2014/2015
- Revivals 2014/2015
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- NOW! Opera for you / Events for children and young people 2014/2015
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Christof Loy
Christof Loy is one of the most sought after directors of his generation. His incredibly thought out and finely detailed productions have won him many prizes and awards. He was voted "Director of the Year" by Opernwelt magazine in 2003, 2004 and 2008 (for Così fan tutte in Frankfurt and Die Bassariden/The Bassarids in Munich). His Così fan tutte won him a 2008 "Faust" theatre prize in for best operatic direction and his Tristan und Isolde at the Royal Opera House Covent Garden won a Laurence Olivier Award. A DVD of his Lulu (also at Covent Garden) was nominated for a 2011 Grammy Award. Other productions at Oper Frankfurt were Die Entführung aus dem Serail, Faust, La clemenza di Tito, La finta semplice, Arabella and Simon Boccanegra, Die Fledermaus and, most recently, La Fanciulla del West. His new Don Giovanni opens here in May 2014.. Christof Loy also works reguarly for other companies, including the Bayerische Staatsoper in Munich, the Deutsche Oper am Rhein, Théâtre Royal de la Monnaie in Brussels and Grand Théâtre in Geneva, as well as at the Glyndebourne, Aix-en-Provence and Salzburg festivals. His most recent new productions were Falstaff at the Deutsche Oper Berlin, Handel's Alcina at Zurich Opera and Bellini's La straniera at the Aalto Theater Essen.
Saison 2014/2015
(The Abduction from the Seraglio)
Wolfgang Amadeus Mozart DON GIOVANNI
Wolfgang Amadeus Mozart SIMON BOCCANEGRA
Giuseppe Verdi