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D The dynamics of market credit for low-end consumers
Armstrong Williams | 6/27/2013, 2:04 p.m.
The issue of making consumer loans to people on the wrong side of the credit divide raises other issues that make lending to this group very expensive.
Despite a mid-July report by the S&P that says consumer credit default rates have decreased for the sixth consecutive month, the default rates among different demographics show a sharp divide. First, default rates among the poor are much higher than among the rich. Therefore, everything else being equal, loans to the poor will reflect premium pricing to cover the higher default risks. Second, because these are riskier loans, the banks will be forced to have higher capital requirements to support these loans, leading to higher capital costs. Third, because these loans are smaller than similar loans to the wealthy, the expense of issuing and servicing the loans must be amortized over a smaller loan principal. This also makes a loan relatively more expensive to the poor. Fourth, loans to consumers tend to be subject to much more government consumer and banking regulations than loans to businesses. This too adds to the costs of low-income consumer loans.
Given the high cost of low-end consumer lending, it is no surprise that high-cost payday loan companies and pawn shops have arisen to serve these low-end markets. It also should not be a surprise that the large commercial banks shun these markets.
The Fed is principally tied into the regulation of the financial system through the commercial banks. When the Fed introduces stimulus into the banking system, it's the commercial banks lending to the upper tier of the economy that first gets the lower rates and the stimulus. The low-end financial institutions like the payday loan companies and the pawn shops are the last in the financial food chain to the feel the stimulus impact of the Fed's easy money policy.
Furthermore, high-end borrowers pay interest rates closer to the risk-free market interest rate. So if the Fed reduces the risk-free rate by 1 percent, interest rates to the high-end borrowers would decline from say 5 percent to 4 percent. That is a meaningful 20 percent decline in borrowing costs. On the other hand, low-end borrowers usually pay high credit and servicing costs, as discussed above, so a 1 percent decline in interest rates might take one of these loans down from 20 percent to 19 percent. That is a negligible 5 percent decline in borrowing costs.
Given the dynamics of the market for credit, there is very little the Fed can do to make additional credit and lower rates available to the lower end of the market. If the Fed wants to go around the market and introduce rationing, it can force commercial banks to make loans available to the lower end of the market they do not normally serve. However, rationing would have unintended consequences, like high losses on low-end consumer loans for commercial banks, which will impair their capital and thereby reduce their ability to lend additional capital to other segments of the market. Smaller loans have higher transactional costs relative to the loan amount.
While government regulations designed to "protect consumers" may be well intended, if the result is to prevent lenders from recovering those costs, then the unintended result will be denial of credit to otherwise creditworthy consumers.
Armstrong Williams is the author of the brand-new book "Reawakening Virtues." More content can be found on RightSideWire.com. Come join the discussion live 4-5, 6-8 p.m. EST at www.livestream.com/armstrongwilliams or tune in 4-5 p.m. EST on S.C. WGCV, Sirius/XM Power 128, 6-7 p.m. and 4-5 a.m. EST. Become a fan on Facebook and follow him on Twitter.


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|Men's Golf » News
|» News » Schedule » Roster » Coaches » Old Corkscrew » 2013-14 Statistics » Record Book » Individual Career Summaries » Archive
Men's Golf Takes Fifth at the Lonnie D. Small Memorial
BUIES CREEK, N.C. - At the 2007 Lonnie D. Small Spring Classic hosted by Campbell at Keith Hills Country Club No.1, the FGCU men's golf squad had two golfers finish in the top-15 and took fifth place the second tournament of the spring season.
The 36-hole event was played on the 6,703 yard Par 72 Club layout. The teams played 18 holes on Monday (Mar. 3) and a final 18 on Tuesday (Mar. 4).
The Eagles recorded a composite team score of 596, two strokes ahead of sixth place USC Upstate, during the tournament's 36 holes.
Kyle Henderson was the Eagles' top finisher in the two-day event when he turned in a one-over 145 to finish in ninth place. His best round came on Monday when he shot a 71.
Robert Taylor came in second on FGCU's scorecard with a two-round total of 147 (+3) which tied him for 15th place individually. His best round of the event was a 3-under 69 on Monday.
Michael Hart recorded a score of 152 after posting 4-over 76's in both rounds. Both Kyle Hammond and Daniel Mazziotta rounded out FGCU's scorecard by recording 11-over 155's, placing them T-52nd.
The Eagles will be back in action on Mar. 10 at the North-South Invitational in Jacksonville, Fla.
Lonnie D. Small Spring Classic
Keith Hills CC No. 1
Buies Creek, N.C.
March 3-4, 2008
Par 72, 6703 Yards
Final Team Results:
1. Campbell 583
2. Elon 584
3. Gardner-Webb 589
4. Radford 592
6. USC Upstate 598
7. Longwood 602
8. San Francisco 606
9. Davidson 607
10. Stetson 609
11. Seton Hall 613
12. James Madison 619
13. George Mason 620
14. Towson 628

subset: commoncrawl


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Well that was fast. Queens Assemblyman Rory Lancman sent out a statement this evening blasting Bob Turner for voting to prohibit the National Labor Relations Board from trying to block Boeing from operating a new $750 million aircraft assembly line in South Carolina. "My new Congressman's honeymoon ended when his first vote in Washington was to undermine Read More
Rory loves the media attention and now he has away to keep his name in the media's eye.
So I say who is going to run in this "OPEN SEAT" now that Rory is eying another seat.
Lets hear those "Names"
Before there was the "Oracle at Delphi" there was Count Vampire J. Machiavelli
VJ Machiavelli
The Legislative Budget is Too Damn High
Queen's NY Has Always Been Run By Leftist-Socialist Democrats. It's About Time To Give A Republican a Chance To Show How Conservatives Save Money And Create Jobs. The City Of New York's Democrat Party Is More Concerned About Welfare For 'All'Then The Working Citizens That Have To Pay For Their 'LAVISH' Handouts To Illegal Alien's And Their Children, Housing, Welfare,Food Stamp Crowd'!


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This tiny Maltese's heartfelt excuse for barking might make his ear-piercing yelps easier to endure…but only for a little while. This signed print is based on an original painting by New York City artist and comedian, Christopher Rozzi. His Tiny Confessions series captures the innermost thoughts of our loyal companions.
Unframed. Signed by artist.
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The number of people in the United States with kidney stones has been increasing over the past 30 years.
Each year, more than half a million people go to emergency rooms for kidney stone problems. It's believed that one in ten people will have a kidney stone at some point in their lives.
In the late 1970s, less than 4 percent of the population had had kidney stones and by the early 1990s more than 5 percent.
The peak age for kidney stones is between 20and 50 years old. Those who have developed a stone are at approximately 50 percent risk for developing another within five to seven years.
What are kidney stones?
Kidney stones are small "pebbles" of salt and mineral in the urine. The most common symptom is severe pain. Most stones pass on their own, but medical procedures are used to remove some kidney stones.
Kidney stones have many causes and can affect any part of your urinary tract — from your kidneys to your bladder. Stones often form when the urine becomes concentrated—such as when you become dehydrated, allowing minerals to crystallize and stick together.
Signs and symptoms
Different types of kidney stones?
Doctors have found four main types of kidney stones, with the most common types of stones containing calcium. Calcium is a normal part of a healthy diet. Calcium that is not used by the bones and muscles goes to the kidneys. In most people, the kidneys flush out the extra calcium with the rest of the urine. People who have calcium stones keep the calcium in their kidneys. The calcium that stays behind joins with other waste products to form a stone.
People can have calcium oxalate and calcium phosphate stones. Calcium oxalate stones are more common.
Treatment and prevention
The treatment for kidney stones usually depends on their size and what they are made of. Kidney stones may be treated by your regular doctor or by an urologist—a doctor who specializes in the urinary tract. You may need treatment if you have symptoms or if a kidney stone is blocking your urinary tract.
Small stones don't usually need treatment. Still, you may need pain medicine. You should also drink lots of fluids to help move the stone along. If you are vomiting often or don't drink enough fluids, you may need to go to the hospital and get fluids through a needle in your arm.
If you have a large kidney stone or your urinary tract is blocked, the urologist can remove the stone or break it into small pieces with the following treatments:
Shock wave lithotripsy: The urologist can use a shock wave machine to crush the kidney stone. The shock waves go from the machine to your body. The smaller pieces of the stone then pass through your urinary tract.
Ureteroscopy: The urologist uses a long, tube-like tool with an eyepiece, called a ureteroscope, to find the stone. The tool is fed into the urethra and through the bladder to the ureter. Once the stone is found, the urologist can remove it or can break it into smaller pieces with laser energy.
You can help prevent kidney stones by making changes to how much you consume of the following:
Drinking enough fluids each day is the best way to help prevent most types of kidney stones. You should drink 2 to 3 liters of fluid a day.
To get in touch with Dr. Campbell, you can head to his website, Facebook page or message him on Twitter.


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Bluebonnets L-Theanine 150 mg Vcaps provide a special free-form L-theanine called Suntheanine, which uses a patented enzymatic fermentation technology that yields an isomerically pure form of L-theanine in easy-to-swallow vegetable capsules for maximum assimilation and absorption.
Warnings: Keep out of reach of children. As with all dietary supplements, consult your healthcare professional before use. See product label for more information.


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Pot Latch Flower Pot Hangers (3-pack)
Quickly hang terra cotta pots from nearly any vertical surface with the Pot Latch.
With the Pot Latch Flower Pot Hanger, you can quickly and easily hang a potted plant from nearly any vertical surface. Simply mount the Pot Latch to drywall, masonry, wrought iron, or wood using the included screw. Alternatively, you can use cable ties, rope, or even Velcro straps to affix the Pot Latch to areas around your house where you don't want to use a screw.
Get creative and hang terra cotta pots up to 9" in diameter and up to 30 pounds in weight with the Pot Latch. Each set includes three pot hangers.
Features & specs:
- Dimensions: 5.25" x 1" x 1.75"
- Size capacity: pots up to 9" in diameter
- Weight capacity: 30 lbs
- Mounting screw included
- Includes three Pot Latches
Watch our Pot Latch Pot Hangers (3-pack) video
Notes on this video:
- 0:19 - Pot Latch holds pots up to 9" in diameter (not 11").
Hang your potted plants from nearly any vertical surface
The Pot Latch Flower Pot Hanger is an incredibly nifty gadget. Its unique design allows you to hang a terra cotta pot (up to 9" in diameter and up to 30 pounds in weight) to nearly any vertical surface.
Simply screw in the Pot Latch, insert the pot, and you're done!
Clever design makes the Pot Latch easy to use
Simply insert your terra cotta pot as shown below and the Pot Latch, well, latches onto the pot. It's really as simple as it looks.
Hang a pot in less than a minute
The Pot Latch only requires one screw. So, once mounted to your wall, it will take about five seconds to hang your pot.
The Pot Latch can go almost anywhere
The design of the Pot Latch Flower Pot Hanger is such that it doesn't have to be mounted using the included screw. Use Velcro straps, cable ties, or rope to affix the Pot Latch in creative and unexpected places.
Have fun and display your flowers and plants with flair
Each set includes three Pot Latch Flower Pot Hangers
Each purchase includes three of these convenient pot hangers along with the necessary mounting hardware.
Burning Questions: You Ask and We Answer
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Now, if there is something that you need to know about this product that we've omitted, please send us an anonymous question and we promise to answer it within 1 business day.
Please excuse the shameless cross promotions!
Thermos Soda Can Insulator (2-pack)
Keeps soda icy cold 10 times longer.
Create bubbles up to 35 feet long!
The amazing personal, portable water filter.


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R. Lopez de Heredia Vina Tondonia Gran Reserva Rosado, Rioja DOCa, Spain
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Whether you are an international student enrolled in a full degree program, an exchange student, or a visiting scholar, York International welcomes you to the York community as a part of our 5000-strong international student population.
If you are already studying at York and wish to study or work abroad, we can can help you to Go Global!
York International is here to provide assistance to all visiting international students as well as facilitating Global Learning Experiences such as an exchange, summer abroad or international internship/placement for all York students, Canadian or international.
We look forward to welcoming you in person. Please make sure to visit us when you are on campus – we are here to help!
York International is located at 200 York Lanes on the Keele Campus. Detailed directions to our office can be found here.
Check out recent coverage about York International in the news.


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Welcome to AIA's United States Website
Don't miss the 5th European Mediation Training for Practitioners of Justice (EMTPJ) in Brussels on August 18 - 30 of 2014. The focus will be on cross border mediation in civil and commercial matters.
Why to come?
- The EMTPJ offers both theoretical and practical training from a European perspective. It provides a solid basis for mediators and legal professionals to develop and expand an international mediation practice.
- Recognition by 18 ADR centers in and beyond Europe.
- Open to professionals from various different fields whether they have a background in mediation or not.
- Truly international learning environment with students and teachers from all over the world in Brussels, the heart and political center of the Europe Union.
- Flexibility: participants can pick and choose individual subjects or the entire program at their discretion
Media Partners
AIA Submission on investment protection and investor-to-state dispute settlement in the Transatlantic Trade and Investment Partnership Agreement
The Second Session of the Future of Mediation in Belgium (FMB) Initiative Report: 17th of March 2014
The 2014 study 'Rebooting the Mediation Directive: Assessing the limited impact of its implementation and proposing measures to increase the number of mediations in the EU' has been published by the European Parliament .
Recent Publications
Getting the Deal Through – Arbitration 2014
Johan Billiet and Tatiana Proshkina have written the contribution for Belgium.
Reproduced with permission from Law Business Research Ltd. This article was first published in Getting the Deal Through – Arbitration 2014, (published in January 2014; contributing editors: Gerhard Wegen and Stephan Wilske of Gleiss Lutz ) For further information please visit www.GlobalArbitrationReview.com.
Click here to read the publication.
An extract from The European, Middle Eastern and African Arbitration Review 2014 - www.GlobalArbitrationReview.com.
Johan Billiet and Tatiana Proshkina have written the contribution for Belgium.
Click here to read the publication.
Getting the Deal Through – Mediation 2014
Johan Billiet and Olivia Staines have written the contribution for Belgium.
Reproduced with permission from Law Business Research Ltd. This article was first published in Getting the Deal Through – Mediation 2014, (published in October 2013; contributing editor: Renate Dendorfer-Ditges of Heussen Rechtsanwaltsgesellschaft mbH) For further information please visit www.GlobalArbitrationReview.com.
Click here to read the publication.
European Mediation Training for Practitioners of Justice (with DVD)
The course "European Mediation Training for Practitioners of Justice" ©, organised by the Association for International Arbitration, allows successful participants to apply for accreditation throughout the whole EU and establishes, thereby, a category of truly 'European Mediators'. The book and the enclosed DVD are the result of this 100-hour course program, divided into theoretical and practical parts. The topics in the book vary from more general, such as differences between mediation and litigation or role of a mediator, to such specific practical issues as a refusal to mediate, dealing with deadlocks, and multiparty mediation. Articles in this book have been authored by recognized mediation professionals working in different jurisdictions across the EU and providing EMTPJ training sessions. This book may be regarded as the unique guide on mediation in Europe and on how to become an EU qualified mediator. The DVD contains a mock mediation conducted during a regular practical session of EMTPJ 2011, which is commented by one of the EMTPJ lecturers.
Qualifying Assessment Program (QAP) approved by the International Mediation Institute (IMI)
The AIA is pleased to announce that we now have a Qualifying Assessment Program (QAP) approved by the International Mediation Institute (IMI).
IMI is unique as it is the only organization in the world to cultivate global, professional standards for experienced mediators, advocates and others involved in the field of ADR. In addition, lMI convenes stakeholders, promotes understanding and disseminates skills all in a non-service provider capacity.
Establishing the European Mediation Training for Practitioners of Justice (EMTPJ) represented an important milestone for mediation as it allows participants to apply for accreditation in numerous jurisdictions both within and outside Europe thereby creating truly 'European Mediators'. The AIA offers the assessment in different languages after agreement between the AIA and the candidate.
Since then, it has become increasingly important for the AIA to obtain IMI approval in order to have an assessment recognized on a global scale that would cater to experienced, competent mediators, with the overall aim of promoting mediation as a profession.
Those who take part in the AIA's qualifying assessment program and successfully become qualified and then IMI Certified will form part of a worldwide community of experienced mediators whose profiles are freely searchable by users through the IMI open search engine.
AIA is now open for registrations; applicants must have 200 hours mediation experience and 20 mediation cases. For details please email us at: firstname.lastname@example.com
AIA also supports the Young Mediators Initiative (YMI), which was established under the umbrella of IMI, with the aim of encouraging, connecting and assisting young mediators worldwide.
Upcoming Activities


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Godhra Riots (India, 2002)
Sri Sri Ravi Shankar has been at the forefront of proactive action to foster communal harmony in India.
When communal riots broke out between Hindus and Muslims in Gujarat in 2002, he not only rushed a team of volunteers to provide trauma relief to the victims, but was also one of the first leaders to visit the relief camps. The communal carnage had led to death and displacement of thousands of people from both the Muslim and Hindu communities.
Sri Sri himself visited the affected areas after the riots and interacted with people sheltered in relief camps run by the Hindu and Muslim communities. He held discussions with community leaders on how to restore normalcy and build trust between communities.
People from both the communities welcomed his intervention and said that they were with him to be in peace and love.
Working with leaders of both communities
The Art of Living volunteers also worked with the local community leaders to restore harmony among people from different communities. As a result of one such engagement, five Maulvis and 35 prominent Muslim leaders from Godra, the worst affected area, undertook a joint peace rally, joined by 150 people from both communities across Devgarh, Baria and several other Muslim dominated areas. Following this peace measure, violence stopped in the area.
The peace initiatives of The Art of Living were a great success in restoring confidence, a sense of trust and belongingness among people. The people started to see The Art of Living volunteers as the bridge between the administration and them.
Trauma relief to ease fear and distrust
Trained volunteers of The Art of Living made themselves available in 25 camps to bring solace to the people affected by the riots. Trauma relief programs were conducted to help them to overcome the pain and trauma of the violence and the loss of near and dear ones.
In Kutub-e-Aalam Dargah camp in Ahmedabad, the recovery was so fast that within a month and a half the residents were able go back to their homes and the government could close the camp. Seven hundred fifty people, including 300 students who were appearing for the standard ten board examinations, attended the trauma relief programs at the camp.
These workshops also helped to ease the atmosphere of distrust, allowing people to cope with feelings of revenge, betrayal and hatred and to extend a helping hand to members of both communities.


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Latest UCSD News
SDSC/UC San Diego Researchers Hone in on Alzheimer's Disease
Researchers studying peptides using the Gordon supercomputer at the San Diego Supercomputer Center (SDSC) at the University of California, San Diego (UCSD) have found new ways to elucidate the creation of the toxic oligomers associated with Alzheimer's disease.
Calit2 Director Honored with Golden Goose Award
Larry Smarr, a physicist whose work at the University of Illinois at Urbana-Champaign on calculating black hole collisions led him to champion a federal commitment to dramatically enhance U.S. computing power – which in turn led to the development of NCSA Mosaic, the precursor to web browsers – was named today as the first 2014 recipient of the Golden Goose Award, which goes to three or four winners annually.
Memorial Tribute to Late Actor and UC San Diego Alumnus James Avery Set for March 1
The University of California, San Diego will host a special tribute to James Avery, the late acclaimed actor, poet and UC San Diego graduate of 1976, on Saturday, March 1 at 2 p.m., at the campus's Mandell Weiss Forum. The event, which is open to the public, will include an afternoon of theater, live music, personal reflections and poetry readings in Avery's honor. Best known for his portrayal as the charismatic Uncle Phil Banks on "The Fresh Prince of Bel-Air," Avery was a classically trained UC San Diego actor and scholar. He died on December 31, 2013, due to complications from heart surgery. He was 68.
UC San Diego a National Leader for Long-Term Study Abroad
Competition to Give Back: UC San Diego Kicks Off Annual United Way/CHAD Campaign
UC San Diego Chancellor Emerita Marye Anne Fox Honored With Clark Kerr Award
Theatre and Dance Professor Wins Design Award
Maverick of Science Finds His Match
Donated Dr. Seuss Works May Lead to New Books
Fans of the whimsical collection of Dr. Seuss children's books may one day be treated to new volumes in the wildly popular series. More than 1,500 new materials from the personal archive of author Theodor Seuss Geisel have been donated by Audrey Geisel to the UC San Diego Library, including a variety of unpublished projects, such as "Cat Ballooning," "The Pet Shop," "Bee Watches," "How Welk Can You Spelk," "The Clock Book," and "Arabian Adventures."
Four New Hires Underscore Campus's Commitment to Diversity
The University of California, San Diego is deeply committed to making positive changes to improve our campus climate and increase the richness and diversity of our community and curriculum. The UC San Diego strategic plan emphasizes our commitment to ensure a welcoming and diverse campus. Through strategic recruiting—which helps the university realize its mission and vision for equality, diversity and inclusion—UC San Diego welcomes four new hires: Gerardo N. Arellano, director of the Raza Resource Centro; James Bond, coordinator of the Veterans Resource Center; John Jacinto Duca, director of development, campus initiatives/diversity; and Barney Wilson, director of strategic initiatives, admissions and enrollment services.
Art by UC San Diego's Fred Lonidier Showing at Whitney Biennial Exhibition
Photographer Fred Lonidier—an alumnus and professor emeritus of UC San Diego's department of visual arts—is among 103 artists whose work has been selected for inclusion in the 2014 Whitney Biennial. Described by the New York Times as "America's most closely pored-over show," the 77th Biennial is on view in New York City March 7 through May 25.
Study Evaluates Role of Infliximab in Treating Kawasaki Disease
A study led by physicians at the University of California, San Diego School of Medicine and Rady Children's Hospital-San Diego looked at intensification of initial therapy for all children with Kawasaki Didease in order to prevent IVIG-resistance and associated coronary artery abnormalities by assessing the addition of the medication infliximab to current standard therapy.
In Memoriam: Arthur M. Wolfe 1939-2014
Arthur M. Wolfe, an American astrophysicist who for a decade directed the Center for Astrophysics and Space Sciences at the University of California, San Diego and achieved widespread recognition for his discoveries about star formation and the early universe, died on February 17 following a battle with cancer in La Jolla, Calif. He was 74.
Satellite Data Reveal Rapid Darkening of the Arctic
The retreat of sea ice in the Arctic Ocean is diminishing Earth's albedo, or reflectivity, by an amount considerably larger than previously estimated, according to researchers at UC San Diego's Scripps Institution of Oceanography.
Scientists Call for New Stewardship of the Deep Ocean: Earth's Last Frontier
The deep ocean, the largest domain for life on earth, is also its least explored environment. Humans are now encroaching more vigorously than ever into the ocean's deep regions, exploiting the deep's resources and placing its wealth of vibrant habitats and natural services for the planet at risk.
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One of the most striking portraits by the leading New York painted William Merritt Chase, this dramatic likeness of his talented student and...
Hiroshige's One Hundred Famous Views of Edo
Hiroshige's 118 woodblock landscape and genre scenes of mid-nineteenth-century Tokyo, is one of the greatest achievements of Japanese art.
Animal-shaped pottery vessels mounted on oversized wheels had a long history in the ancient Middle East. This early example has the head of ...
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Once again we check in with our blue neighbors for Saturday's semifinal. Brian from Royal Blue Mersey.com was kind enough to answer our questions, and I did the same over at their site.
Everton come rolling into this on the back of four wins in five matches. What's been the key ingredient?
Once again we have finally hit our stride in the second half. With the exception of the derby match and I believe our loss to Arsenal we are unbeaten since January. Darron Gibson and Stephen Pienaar have both been welcome additions, but the biggest key has been a striker that can score. Jelavic gives us both an aerial threat, as well as someone who can pull the trigger and put it on frame. If Jelavic can get some opportunities on Saturday I think he will convert at least one.
We've made no secret of our admiration for David Moyes and his run at Everton. But it's come without shiny things. If Everton go on to lift the FA Cup, do Everton fans fear that may be the perfect coda to his days at Goodison before he leaves for greener pastures, which few Evertonians would argue he hasn't earned?
At this point I think Moyes only leaves for the right job, and since I can't see him leaving England that leaves only a few teams he would go to. The obvious one is Manchester United once Ferguson retires, but besides that and maybe Spurs, I don't see many clubs Moyes would really want to go to. Chelsea and manchester City would be poor fits for him, and he already refused a lateral/step down move to Aston Villa this past summer. Even if Everton manages to lift a trophy this year I don't see him leaving unless either Spurs or United have an opening.
Would the European place that comes with it be enough for him to stay?
We asked about him last time, and then Moyes didn't play him. But this Jelavic looks like he's only gotten tastier since arriving...
In all four of the wins Everton have kept a clean sheet. Just the normal defense or has something kicked into gear lately?
What is most important for Everton to do or not do to win Saturday's match?


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Visitation will be today, April 15, 2014, from 6 until 8 p.m. at Kilgore-Green Funeral Home.
Funeral services will be Wednesday, April 16, 2014, at 11:30 a.m. in the Kilgore-Green Chapel with burial following in the Flint Creek Baptist Cemetery. Donnie Elliott will officiate.
Norris was preceded in death by her parents, Billy and Lorene Breedwell.
She is survived by her husband, Brian Edwin Norris; children, Nicholas Moore and Michael Moore; step-daughter, Casey Norris; sister, Nancy Daniel (Randy); special aunt, Mary Kosis; sister-in-law, Beth Thomas (Jerry Gosnell); niece, Adrianna Thomas; nephew, William Thomas; special friend, Danny Denham; and a host of aunts, uncles and nephews.
You may sign the online register www.kilgoregreenfuneralhome.com.
Kilgore-Green Funeral Home, Jasper; 205-384-9503


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SOURCE Robert R. McCormick Foundation
The McCormick Foundation's "Why News Matters" Project aims to promote news literacy
CHICAGO, June 12, 2014 /PRNewswire/ -- In today's 24/7 news cycle, journalists must often decide between breaking news quickly versus accurately. At the same time, any user online has the power to publish content, giving rise to blogs and satire as popular forms of media. Closely tied to information overload and the preponderance of content types online today, research coordinated by the Robert M. McCormick Foundation finds that an increasing number of consumers are unable to identify fact from fiction, opinion or propaganda.
Phil Zepeda, Director of Communications at the Robert M. McCormick Foundation, discusses how the organization plans to promote news literacy through the "Why News Matter Project" in his latest blog post.
The Robert R. McCormick Foundation is committed to fostering communities of educated, informed and engaged citizens. Through philanthropic programs, Cantigny Park and museums, the Foundation helps develop citizen leaders and works to make life better in our communities. The Foundation was established as a charitable trust in 1955, upon the death of Colonel Robert R. McCormick, the longtime editor and publisher of the Chicago Tribune. The Robert R. McCormick Foundation is one of the nation's largest foundations, with more than $1.5 billion in assets. For more information, please visit www.McCormickFoundation.org, follow us on Twitter, and "Like" us on Facebook.
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Car ban will sink sea cadet group (From Essex County Standard)
Get involved: send your pictures, video, news and views by texting ECS to 80360, or email »
Car ban will sink sea cadet group
9:19am Monday 3rd February 2014 in News
SEA cadets say plans to close a road leading to their headquarters will ruin their group.
Colchester Sea Cadets, based at King Edward Quay, on Colchester's Hythe, face being cut off under proposals to stop vehicles using a 40m section of Distillery Road.
The road leads to their base on TS Colne Light.
Highways bosses want to turn Distillery Lane into a footpath and cycle route.
It would mean parents would not be able to pick up or drop off the cadets and the squad would not be able to hold its annual fundraisers by the quay.
Gillian Bolderstone, a leader at the cadet group, said: "If this goes ahead, our ship is sunk.
Essex County Council has said approval was granted with a condition attached to create a cycle path alongside a pedestrianised area.
Comments (11)
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10:16am Mon 3 Feb 14
hughie-s says...
10:39am Mon 3 Feb 14
Slamdoor312 says...
Oh no, kids don't do that, Door to door car service nowadays
11:19am Mon 3 Feb 14
MartinF1 says...
That's almost 50 steps each way - if that's going to sink the Sea Cadet Group then perhaps they're not worth saving. I thought that the idea of cadet's - be it air, sea or army was to promote health & fitness. If those poor diddems' aren't capable of walking such a short distance, then perhaps the venue allocated to them should be given to a group who is more robust & is capable of putting one leg in front of the other for at least two minutes!
11:25am Mon 3 Feb 14
romantic says...
Also, in a year or so, there will be a large amount of student housing there, which would surely have an entrance onto the quay. So if driving is the only option, pull up in there, the kids can go through, and then you can swing round the back and park along the quay.
12:06pm Mon 3 Feb 14
Reginald47 says...
12:47pm Mon 3 Feb 14
hughie-s says...
Did the Sea Scouts object to the proposals, if not why not? Did they ask the purpose of the car park, perhaps they could have asked to use it
1:13pm Mon 3 Feb 14
Jack222 says...
1:16pm Mon 3 Feb 14
romantic says...
Leaving aside the question of whether it will actually look anything like this, there does seem to be access direct from flats to quayside.
9:00pm Mon 3 Feb 14
Say It As It Is OK? says...
Jack222 wrote:But these cadets have Sea Legs.....
If they cant walk that distance then the Cadets deserve to be sunk.
9:19am Tue 4 Feb 14
Jess Jephcott says...
6:23pm Tue 4 Feb 14
colcestrian says...
hughie-s wrote:As you have always been able to do ! I do not believe that before this section of Distillery Lane was resurfaced a few years ago that they didn't go along Haven Road and use the Quay already !
What a load of.............. you just go further along Haven Road, past the foot of Whitehall Road and turn left onto King Edward Quay. In fact for some people coming down Whitehall Road is the more direct route.
Another case of someone not checking the facts before commenting
Comments are closed on this article.


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It's a scary proposition when the very people dedicated to keeping you well and curing your sickness can do you in.
Yet that's the reality of seemingly simple acts such as going to the doctor, getting a drug from a pharmacy or spending time in a hospital. According to the Institute of Medicine in Washington, D.C., up to 98,000 Americans a year die in hospitals (and thousands more are injured) because of medical mistakes.
The latest mistake to come to public light in 2001 involved a 41-year-old New York man who underwent two operations – one to remove a blood clot from the left side of his brain, and another when doctors discovered the clot was on the right side of his brain (they were subsequently suspended by the Brooklyn hospital where they worked). The mistake? The patient's brain scan had been hung up backwards for viewing in the operating room.
Whether consumers know it or not, medical mistakes are common.
Sometimes, patients are given the wrong medicine or the wrong dose. Doctors operate on the wrong body part. Health problems are missed or misdiagnosed. Sometimes, miscommunication, bad information and sheer neglect play a role. A shortage of nurses or other health-care professionals adds to the fray.
Hospitals have cut back on staff, such as licensed practical nurses and nurses aides,'' says Mike Donio, spokesman for The People's Medical Society, a patient consumer group in Allentown, PA. "Maybe there's only one pharmacy technician on duty when there used to be three. It sounds so mundane, but communication is one of the most important things. You've got to make sure that you and your physician and/or practitioners are all on the same page when you're going to have any kind of treatment, be it medical or surgical.''
It also pays to take charge of your own health, and here are a few practical things you can do to lessen the chance that you're one of those bad-scenario statistics or news headlines.
· Get to know your doctor well. Many people today have to choose their family physician or specialist off an insurance company list, but it's a critical choice. Interview several doctors, if necessary, to find one whose philosophies, office practices and personality you like. Ask friends for references. Contact local and national medical societies to check a doctor's credentials. The Center for the Study of Services lists the nation's top doctors at www.guidetotopdoctors.org. Public Citizen Health Research Group also publishes a list of questionable doctors at http://www.citizen.org/HRG/QDSITE/QDHOMEPAGE/QDHOMEPAGE/qdhome.html.
· Be drug savvy. Mistakes with over-the-counter and prescription drugs are common reasons for life-threatening and potentially disabling side effects. Keep a list in writing of every drug you're taking, including prescription drugs, over-the-counter drugs, herbal supplements, vitamins and minerals. Let all your doctors know what you're taking, even if it was prescribed by someone else. In the hospital, ask the same questions you would at the pharmacy counter window about doses, timing, side effects, benefits and disadvantages.
· Don't take chances with surgery. Make sure everyone on your medical team and everyone in the operating room knows exactly what kind of surgery you're having and where. Before they give you anesthesia, ask them to repeat the surgery they intend to perform to make sure it's correct. If necessary, use a pen or Magic Marker to draw a circle around the body part that's going to be operated on. "It may sound goofy, but if someone only writes 'knee surgery' on your chart, at least they'll know which one when they pull back the gown and find your arrow saying, 'this knee,' " Donio says.
· Ask lots of questions of your doctor. Why this treatment or procedure? What can I expect from it? What are the advantages? What are the disadvantages and side effects? How many times you have done this particular operation or procedure? What are you results with this specific technique?
· Get a second opinion. For major surgery or invasive procedures, always get a second opinion, if possible. If necessary and within your budget, get several opinions.
· Find a hospital buddy. If you must spend time in a hospital, take a friend or family member with you. Let the hospital staff, including, doctors, nurses, technicians, orderlies, etc., know that your self-appointed advocate will be involved in your care and decisions. Let this third-party advocate know it's his/her job to keep a watchful eye over everything that happens or is done to you.
· Read the fine print. It's not as exciting as a Tom Clancy novel, but your insurance plan provides valuable information. Read your booklet cover to cover. Know what's paid for and what you're responsible for, including doctor's visits, emergency room care, mental health benefits, drugs, tests, ambulance service and checkups.
· Be honest. Many families are ashamed or embarrassed of their medical or family past, especially if certain diseases or problems exist (depression, mental illness, abuse, sexual problems, heart disease, diabetes). The more information you share with your medical team, the better it is for you.
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The University Bookstore will host a book signing from 3 p.m. to 4:30 p.m. Wednesday, Nov. 14, with UMaine student and author Kris Sproul Devine autographing copies of her first novel, "Beaten, Blinded by Love." Devine, writing as Kris Sproul, is a native of Cherryfield, Maine, and a journalism major at UMaine.
University Bookstore will have copies of Sproul's crime novel available for purchase.
"We're excited to be a part of Ms. Sproul's promotion of her first novel," says Keven Higgins, associate director of the bookstore. "It's important to us to support UMaine authors, whether they are alumni, faculty, staff, or in this case, a current student."
"Beaten, Blinded by Love" is about a police officer who is the granddaughter and daughter-in-law of the dual heads of an inner-city crime family. A series of life-threatening events force the woman to disappear with her young son to start a new life, but as she dives into a new identify in a new home, events of her past begin to complicate matters and again jeopardize their lives.
Contact: George Manlove, 207.581.3756


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World Wrestling Entertainment: A Short SWOT Analysis
Value Line • Tue, Aug. 12 • 6 Comments
- World Wrestling Entertainment has had an interesting year. The integrated pro wrestling exhibitor is in the midst of a dramatic transition as it enters the digital media market.
- So, which types of investors are best suited for the company's stock?
- In this article, we will attempt to address that question by taking a brief look at World Wrestling Entertainment's business and performing an easy-to-follow SWOT analysis.


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Overall Experience:
Overall very happy with my decision to chose Athens State University. I have been to another university that was not helpful and set me up for failure but her i feel important and feel like i have another cheerleader routing me on for success.
Overall Experience:
I saw that there are many organizations for jobs and internships which are all very exciting to a new student like myself.
I am not much if a night life person but seems to be plenty of things to do to enjoy yourself!
Local Atmosphere:
Very happy with the atmosphere its very friendly and inviting.
I can not say just how helpful and amazing the staff has been through my transfer process. I know that i will be able to succeed with this university because they are here to help.
Overall Experience:
The admissions process is great, and the school is wonderful.
Campus Strictness:
They are strict where they need to be and lenient enough where it doesn't negatively affect students.
Campus Dining:
There's only one "cafeteria" on campus and it is used by a local restaurant. The prices aren't great, and the menu isn't great.
Guys & Girls:
I met my boyfriend on campus. There is an extremely wide variety of single people from all sorts of backgrounds and ages.
There are a ton of foundation scholarships here, but they are all only a couple hundred dollars per semester. Money is money, though.
Off-Campus Housing:
I live in an apartment complex near campus, and it's wonderful. Close to campus, affordable, and great landlady.
Greek Life:
We don't really have Greek Life here at Athens State.
Local Atmosphere:
Great atmosphere. College town, but great Southern charm.
There definitely is a lot of diversity on campus.
I love my program. I love to learn, but if I had to do things over again, I'd try the business degrees as opposed to the religious degree. I've become very interested in learning to manage finances lately. I do have concerns finding a job in the religious field, since it seems to be mostly missionary work/traveling, and I am unable to travel.
I was simply able to enter. : )
I feel like there's quite a bit of diversity on campus as far as religion/ethnicity/and socio-economic background is concerned.
Health & Safety:
Although campus police aren't around, the police station itself is just a few miles away, and the staff (and students) would undoubtedly help anyone in danger.
I'm not involved in any athletics.
The distance learning is great. The workloads are reasonable. The professors are knowledgeable and friendly. The variations of degrees offered are exceptional.
I'm unaware of any specific opportunities, aside from school events and job fairs.
Local Atmosphere:
Beautiful area, very welcoming people.
The staff in particular are very friendly. They are very helpful and polite with any problem I have, and genuinely want to resolve issues. They care about their students and it shows.
I don't live on campus.
Campus Dining:
I don't dine on campus. I don't live on campus either.
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Phase 1
- Clancy's Strand ~ Boardwalk (Treaty Stone - Curragour Bund)
- Curragour Bund ~ Mini Park / Boat Slipways
- Clancy's Strand ~ Promenade (Curragour Bund- Sarsfield Bridge)
- O'Callaghan's Strand ~ Promenade / Boat Slipway (Sarsfield Bridge – Condell Bridge)
- Steamboat Quay ~ Skateboard Park
My overall impression so far is very positive. The boardwalk is very nice to walk on, but not really nice to look at from castle side of the river. The building materials used for the promenades are top, alas some uneven surface parts on O'Callaghan Strand to be seen.
Are people happy with it so far?
Proposed Costs
Possible Timetable


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- Home
- The Filler Detective
The Filler Detective
Item #12730 Brand: AAC
filler; tells you where, and how deep!
- Sound alert for location and depth of hidden previous damage
- 9 Volt Duracell battery (included) operated,no charger to lose
- Fits in standard shirt pocket
- New technology, patent pending
- Low battery indicator
- 1 Year limited warranty
- Protective Micro-fiber contact pad to prevent paint scratches
- Includes Stainless steel belt clip, lanyard and screwdriver for battery cover
- Portable verification plate for accuracy confirmation
About The Filler Detective
The Filler Detective will find hidden body damage and body filler on a car,truck or motorcycle. It will tell you where it is, AND how deep it is. THIS METER DOESN'T MISS. This is a one-button tool that lights up and sounds of when it detects exactly where the body filler is that was used to repair any damage. You can spot check the body of the vehicle, or safely slide it on the micro-fiber nose over a whole panel. The sound is detectable even in noisy environments such as auctions, car shows, or large crowds.Operates on a standard 9 volt battery, included.
Hold the Filler Detective perpendicular to the surface to be tested, using the arrow for spotting, press button and move meter along the surface you are testing. When filler is spotted a sound will occur and the appropriate LED light will light up. GREEN- No Filler, BLUE- 1/16", YELLOW- 1/8"ORANGE- 3/16" and RED- 1/4" of body filler present Follow packaging instructions for more detailed operations and resetting.
Do not use lacquer thinner or any aggressive agent to clean you Meter.This is a sensitive electronic device and should be cared for as such.For no-charge replacement protective strips, contact 310-832-8336
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Sands all types of flat and contoured surfaces; use wet or dryOnly $59.99
10,000-rpm cleaning disc for 4" and 4-1/2" electric grindersOnly $11.99
Applies like a plastic filler, but reinforced with fine aluminum particlesOnly $39.99


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A Bridge Not Too Far
With few natural reefs remaining in Lake Pontchartrain, the best fishing typically occurs near several bridges including:
The Causeway - The parallel Causeway stretches 24 miles across the widest part of Lake Pontchartrain. The first span opened in 1956, followed by the second in 1969. The spans suffered limited damage from Hurricane Katrina in 2005.
Interstate 10 - Opened in 1965, the 5.5-mile-long "Twin Bridges" across the eastern section of Lake Pontchartrain suffered severe damage from Hurricane Katrina. In July 2006, construction began on the first of two new spans.
U.S Highway 11 - Officially 4.78 miles long, the "Five-Mile" Bridge opened in 1928 as one of the longest bridges in the world at the time. Although officially called the Maestri Bridge after a former New Orleans mayor, many old-timers still call it the "Masonry" Bridge since builders mixed mortar with lake water to construct it on the spot. Renamed the Watson-Williams Pontchartrain Bridge, it escaped damage from Hurricane Katrina.
Seabrook - Although it doesn't actually span the lake, the Seabrook Bridge (officially the Senator Ted Hickey Bridge) crosses the Inter Harbor Navigation Canal, or Industrial Canal, where it enters Lake Pontchartrain near New Orleans Lakefront Airport.
Others - A railroad trestle dating to 1884 spans Lake Pontchartrain near Highway 11. Another railroad track crosses both the Chef Menteur and the Rigolets passes. U.S. Highway 90, dating to 1930, also crosses the passes. A new Rigolets bridge opened in January 2008 near Fort Pike, but the old bridge remains across the Chef.
A Bridge Not Too Far


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Different Shades of Green -- Storage and Data Infrastructure Power and Cooling - SD New York City 2007
- Reducing your data footprint
- Intelligent storage provisioning
- Tiered storage
Download this year's exclusive "Products of the Year" issue of Storage magazine to discover which storage products were ranked as the "best of the best" by our panel of expert judges.... Download Now!
Private Cloud, Public Cloud, Cloud Computing Infrastructure
Data Storage for a Virtual Environment, File Virtualization, SAN Virtualization and Consolidation, Storage Network Virtualization, Virtualization Strategy
ISCSI SAN, SAN switch, SAN (storage area network) management, Multiprotocol or unified storage, Fibre Channel (FC) SAN
Clustered NAS, NAS hardware, NAS management
Disk arrays, Disk drives, Solid-State Storage, RAID
Disk-based backup, Tape backup and libraries, Data storage backup tools, Data reduction and deduplication
Disaster recovery and planning, Remote data protection, Secure data storage
Data storage compliance and archiving, Primary storage capacity optimization, Data management tools, Tiered storage, Remote and offsite data storage
Enterprise storage, planning and management, HPC storage, Outsourced storage and storage service providers, Small business storage, Storage management jobs and salaries, Storage vendors, Storage market research reports, Data center storage
Learn about the benefits of hybrid cloud-based backup and business continuity technology, including strengthened data protection, less downtime and improved redundancy.Click Here
Colm Keegan explains why some cloud storage providers are moving to an all-flash platform and how bursting workloads into an all-flash cloud can reduce costs.
Learn how PCIe-based server-side flash stacks up against emerging in-memory flash technology in this tip from Marc Staimer of Dragon Slayer Consulting.
Eric Slack of Storage Switzerland outlines the various types of server-side flash available today and the strengths and weaknesses of each.
VSAN management wasn't an issue for early adopters of the hyper-converged storage, but getting it to work with re-purposed hardware was a challenge.
Expert Jon Toigo explains how virtual SAN vendors such as DataCore and StarWind aggregate storage capacity to better make use of cache memory.
Like VMware, Maxta wants to sell its software-only, hyper-converged storage platform integrated on standard industry hardware.
Service provider outages should be a warning to customers that keeping data safe in the cloud is a shared responsibility.
When cloud durability is added to the mix, cloud providers are able to tout a high number of nines of availability.
Cloud storage can be less expensive from a cost-per-gigabyte perspective, but it's important not to lose sight of other benefits as a value proposition.
Budd Van Lines is running three SwiftStack nodes with 40 TB of storage each, and plans to outfit remaining offices this year.
In the event of an emergency, UBCV officials will be able to use DLAN's web-based communications system to monitor, assign and track equipment and assets, and better manage the crisis.
Zerto now supports VMware and Microsoft Hyper-V replication, and prepares to enter beta testing for VMware-to- Hyper-V replication.
Colm Keegan of Storage Switzerland discusses ways to prevent performance issues associated with virtual backups.
Independent backup expert Brien Posey outlines the reasons why mobile data protection and security are increasingly important and whether organizations are on top of the issue today.
In the final part of our three-part series on modernizing backup and DR, Jason Buffington explores how cloud and virtualization advancements are changing disaster recovery.
News of a Nirvanix partnership filled in some details about Dell's cloud storage strategy, but the company still treats its cloud plans as a secret.
In our latest Storage Radio podcast, SearchStorage.com editors discuss the Riverbed Whitewater cloud data backup appliance for enterprise backups.
Deduplication is an important strategy for disaster recovery. Learn more about data dedupe solutions in this expert tip by Paul Kirvan.
Learn the benefits of becoming a Hitachi Data Systems reseller partner with our Partner Program Checklist.
Learn the benefits of becoming a Yosemite Technologies reseller partner with our Partner Program Checklist.
Learn about data management software vendor CommVault, Inc.'s partner program in this standardized checklist.


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The Securities Law Subsection of the Colorado Bar Association sponsors luncheons that provide the opportunity for securities attorneys engaged in private practice and securities regulators to meet on a monthly basis to discuss current topics and to become acquainted socially. Approximately 100 attorneys and regulators attend these meetings at which a speaker makes a presentation on a securities law topic, and the topic is then discussed by the audience. One CLE credit is earned for attending each meeting. Anyone who is interested in joining the Subsection and attending the luncheon meetings should contact the Bar Association (303-860-1115) and request that his or her name and address be added to the Subsection's mailing list.
The Co-Chairs of the Subsection serve a two-year term, and always consists of either a practicing securities law attorney or one securities law regulator. The Co-Chairs are responsible for organizing the monthly luncheon meetings and finding speakers. If anyone is interested in making a presentation, he or she should email Elizabeth Karpinski Vonne (firstname.lastname@example.com) or Jordan Factor (email@example.com).
In addition to sponsoring the monthly luncheon meetings, members of the Subsection actively participate in the initiation and review of legislation involving securities law matters.
2013-2014 CBA Securities Subsection
Elizabeth Karpinski Vonne and Jordan Factor
CBA Staff Liaison: Jill Lafrenz
Tuesday, August 20 at 5:00pm: Happy hour at Coohills
Wednesday, September 4 at noon: Lunch at Brown Palace Hotel
SEC Enforcement Cases and Trends from a Trial Perspective
The SEC plays a key role in regulating the financial markets and protecting investors. Dugan Bliss and Nic Heinke – both Trial Attorneys in the SEC's Denver Regional Office – will discuss the SEC's enforcement program, including recent trends in the types of enforcement actions the SEC is pursuing, with a focus on trial work. They will also discuss programmatic initiatives to encourage cooperation with the SEC, including the SEC's new whistleblower authority.
Monday, November 11 at noon: Lunch at Brown Palace Hotel
General Solicitation in Action and Novel Ways to Raise Capital Under the JOBS Act
This panel will address two aspects of the JOBS Act: General solicitation in action and innovative crowdfunding potentials.
Title II of the JOBS Act allows companies to generally offer their securities to the public—including through advertising—while still maintaining the benefits of a non-public offering, so long as the securities sales are made solely to accredited investors. Jim Carroll, a partner at Faegre Baker Daniels who practices in this area, will report on how Title II is working so far. Jim will address questions such as:
· How are issuers taking advantage of general solicitation?
· How should issuers plan ahead to use general solicitation?
· What lessons have been learned so far?
Title III of the JOBS Act authorizes the "crowdfunding" of securities, defined as the online sale of small amounts of unregistered securities to all adults, accredited or not. Andrew Schwartz, an Associate Professor of Law at the University of Colorado Law School who recently published on the subject, will address how Title III may play out once the SEC issues final rules, and how issuers can use crowdfunding in ways that they may not realize, including issue debt.
James H. Carroll, Partner, Faegre Baker Daniels
Andrew A. Schwartz, Associate Professor of Law, University of Colorado School of Law
Tuesday, January 14 at noon: Lunch at Davis Graham & Stubbs LLP
2014 Proxy Season and Executive Compensation Update
This update will summarize the key elements of the new rules, guidelines and trends that companies will encounter in 2014. Michelle Shepston and Jonathan Marks of Davis Graham & Stubbs LLP will explain these developments and provide insights learned from the previous season. The presentation will also include a discussion of emerging trends in executive compensation and how companies are responding to them.
If you have any specific questions on executive compensation, equity compensation plans or proxy preparation that you would like the presenters to address, please email the questions in advance to email@example.com. There will also be a Q&A session after the presentation.
Tuesday, February 14 at 7:30a.m.: Breakfast at Four Seasons Hotel
2014 Enforcement Update
Tuesday, April 22 at noon: Lunch at the Hotel Monaco (Panzano's)
The Intersection of Securities and Bankruptcy Law
Presenter: James S. Helfrich of Allen & Vellone, P.C.
We look forward to seeing you.


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Monday, June 16, at 10:00 AM
Part of a $481,740 FEMA Grant Award, giving the Museum the ability to track our effectiveness when school children tour the museum through our educational initiative offered at the Museum.
Thanks to the talents of local software developer, Mind Over Data, award winning design firm, Design 500 and the University of Memphis validation and stamp of approval through their Education Department, kids will be entertained playing fun fire and life safety interactive games, while we gather the data of what they have learned, giving us the ability to share with area Fire Departments.
Father's DayPosted on June 9, 2014 by Admin User
The Fire Museum of Memphis will be closed on Father's Day, June 15th.
Summer HoursPosted on June 2, 2014 by Admin User
The Fire Museum of Memphis is now open extended hours and Sundays between Memorial Day and Labor Day. We will be closed on July 4th so that our employees will be able to celebrate America's Birthday with their families.
Visit our permanent exhibits.
|Fire Safety Education
Learn more about our Fire Safety Tours and Field Trips.
|Host an Event
The Fire Museum of Memphis is a great place to host your child's birthday party or other type of special event.
|Online Store
Find all the Memphis Fire Department memorabilia and Museum merchandise.


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Join us and enjoy the results together with ArtistPortfolio.
Trevor Quillmann
Description: All logos are 100% original, can be supplied in vector format, .eps, .tiff, .tif, .psd, .jpg, .gif, .png, .bmp, etc. Contact me for purchasing details, I prefer paypal but anything can be arranged.
Price: 150 US Dollars ($)
Style category: Portrait, Technology, Abstract
Medium category: Computer Art, Graphic Design, Mixed Media
Show Discussion


text:
Vinod Agarwal
- Ph. D. University of California - Santa Barbara
- 2043 Constant Hall
- Norfolk, VA 23529
- 757-683-3526
- email@example.com
Vinod Agarwal, Director of the Economic Forecasting Project and Professor of Economics, earned his doctoral degree from the University of California at Santa Barbara. He served as a member of the Virginia College Building Authority for the Commonwealth of Virginia from July 204 through June 2012. He was a member of the Governor's Advisory Board of Economists from 2006 to 2010. Professor Agarwal also served as the Chairman of the Old Dominion University Economics Department from 2001 to 2006. His research interests are in the area of applied economics. His articles have appeared in various journals such as Cornell Hotel and Restaurant Quarterly, Journal of Travel Research, Economic Development and Cultural Change, Eastern Economic Journal, Economics of Education Review, Growth and Change, Journal of the American Real Estate and Urban Economic Association, Social Science Quarterly and Southern Economic Journal. He is author or co-author of more than 60 professional journal publications and research monographs. In addition to citations in professional publications, Professor Agarwal's work has also been cited in more than 130 newspapers, magazine and wire reports throughout the U.S., including the Dow Jones Newswire, Associated Press, The Economist, and USA Today.


text:
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View our past shows »
Lab Innovations welcomes new exhibitors - a unique platform for launching new technology
Maintec celebrates 40th year
Packaging show crammed with creativity takes over the capital
Should I send printed or electronic invitations?
Who should I invite to an easyFairs show?
We had a good show. How do we keep up the momentum?
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Boresighting aligns the optical sight on top of the gun barrel with the axis of your bore, and should be the first priority after mounting your scope. This ensures that your first shot will be on a large piece of target paper at a distance of about fifty yards. Boresighting not only gives you a reference point from which to actually start sighting in your gun, but saves time, ammunition expense, and occasionally your shoulder from recoil.
Bore sighting will NOT sight in your gun. This must be done by firing a specific type of ammunition at a certain distance.


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ANDOVER — The CEO of a local ambulance company put his training to work Thursday when he came to the rescue of a woman having a seizure in her car on Interstate 495.
David Daly of PrideStar EMS was riding in a car on 495 South near Route 133 around 1:15 p.m. with a business associate when he saw a car in front of him crash into the guardrail on the right side of the highway then travel across three lanes of traffic and go into the grassy median strip in the middle of the highway.
Daly told the driver to pull up behind the car.
"She was driving erratically, going about 70 mph," he said. "She went into the median so we pulled over."
He then hopped out of his car to tend to the woman, who was "actively convulsing," said Daly, a paramedic as well as CEO and owner of the company.
"She kept putting her foot on the gas and brake," he said, so the vehicle kept rolling slowly along the grass, going about 3 or 4 mph. The windows and doors were locked, so Daly asked a woman who had also stopped to grab something he could use to break the window.
The woman brought him a club of some sort and just as Daly was dialing 911 and was getting ready to smash the passenger-side window, the car sped up. The woman's foot had apparently slipped and pressed the gas pedal, so the vehicle sped up to about 10 mph, he said.
"I said, 'If this keeps going, she'll go into the northbound side of the highway, then we'll really have a problem,'" he recalled. So he smashed the window and climbed in to the passenger side of the car, reached over and pressed the push-button start and put the car in neutral. It then coasted to a stop in some bushes.
Andover Fire Department Lt. Robert Stabile said Daly's actions were helpful to firefighters, who arrived on scene shortly after.
He said the patient, a woman in her 20s, was sitting outside the car by the time firefighters arrived.
"She had crawled out and was sitting by the car," he said. "They tended to her until we arrived."He said the woman was treated and released at Lawrence General Hospital.


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North Carolina vs. VirginiaCredit: Raleigh News & Observer / Contributor
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North Carolina Tar Heels' James Michael McAdoo battles for an... News Photo 159049036Basketball - Men's College,Battle,Charlottesville,James Michael McAdoo,Motion,North Carolina Tar Heels,Offense,Rebound,Second Half,Sport,USA,Vertical,Virginia CavaliersPhotographer Raleigh News & ObserverCollection: McClatchy-Tribune 2013 MCTNorth Carolina Tar Heels' James Michael McAdoo (43) battles for an offensive rebound with Virginia Cavaliers' Darion Atkins (32) during the second half at John Paul Jones Arena on Sunday, January 6, 2013, in Charlottesville, Virginia. The University of Virginia defeated the University of North Carolina, 61-52. (Robert Willett/Raleigh News & Observer/MCT via Getty Images)


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What does ATW mean in Transportation?
This page is about the meanings of the acronym/abbreviation/shorthand ATW in the Governmental field in general and in the Transportation terminology in particular.
All The Way
Find a translation for ATW in other languages:
Select another language:
Discuss this ATW abbreviation with the community:
Use the citation below to add this abbreviation to your bibliography:
"ATW." Abbreviations.com. STANDS4 LLC, 2014. Web. 1 Sep. 2014. <http://www.abbreviations.com/term/65574>.
ATW also stands for:
- Advanced Tactics and Warfare
- All Things Warcraft
- All Things Written
- Appleton, Wisconsin USA
- Approximate Total Weight
... and 3 more »
Nearby & related abbreviations:
Alternative search:
- Search All The Way on Amazon.com
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To see the layout of a formal letter, put your pointer on Resources near the top of the page and click on Letter Writing.
To see how to address an envelope, click here.
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Discussion in 'Off The Beaten Track' started by tarotx, Sep 13, 2012.
Anyone else Watching?
they spend a lot of time doing not so much, only one audition so far
i wouldnt have turned my chair for girl #1's voice alone but she was really cute
That's probably why Page didn't go to The Voice (though maybe she did and didn't make it past the producers...) She won't get by with just her voice. Maybe they think she might be good in a good group.
Even though I vowed I wouldn't watch again after last season's horrible run, I just love snarky Simon so will tune in again and hope for much better production, and TALENT, this year. Tonight was okay. Loved how they played up the blonde bytch thinking she had so much talent, and you just knew come sing time she would suck big time. heh heh heh, I love it when they do that stuff to people like that. The trio of the 3 boys was catchy and will definitely get the heartthrob vote (and again loved how they played up the "I was in a boy band and toured all over Europe" dude who sucked). What I never get is how the people who are really REALLY bad are the ones who throw the most outrageous tantrums. De Nile ain't just a river in Egypt and I can't believe how people act knowing that this is gonna like .. be on television in front of millions of viewers! First, I don't see how their friends and family don't just flat out tell them "you can't sing don't embarrass yourself!", but then to act the way they do .... I'll never understand wanting to be on TV so bad you would want to humiliate yourself like that forever (YouTube never dies).
I heard Demi Lavato "sang" live on the Today show. Ugh. She and Britney Spears are going to be judging other singers?
I've never understood this type of criticism. I'm not a fan of either of these girls, but why shouldn't they judge? It's not a competition to find the best singer. It's a competition to find a star performer. The two don't go necessarily go hand in hand. I can look back on any decade and point out many popular performers that have questionable singing skills. I can also find many talented singers that have had marginal success because they weren't necessarily great performers.
For the record, I ended up sticking with The Voice. I flipped back and forth for a while, but I was drawn more to The Voice. Not sure if there's a real difference between the shows, but for me there is. What, I don't know.
Well, I don't think they're on the same nights starting next week, but I'm planning on watching The Voice live and DVRing X Factor for fast forward viewing over the weekend. I don't want to sit through the bad auditions.
I watched my DVR copy & I'm confused. I saw young skinny guy sing 1st & Simon told him he was terrible & he got 4 noes. Then crying girl came on & they took 30 mins with her backstory (which I thought was made up - she wasn't fat, she wasn't ugly, she apparently has lots of friends, what was there to bully her about?), then she sang (just ok), then she cried some more, then they gushed over her & gave her 4 yeses. Then they showed people who had gotten through but didn't actually let us hear their voices. Then the 2 hours were up. That was the worst audition show I've ever seen. This was my 1st time of watching. It will probably be my last.
I only saw a little part of the show, but I feel like Emblem 3 are trying to pitch themselves as the Avril Lavigne to One Direction's Britney Spears circa 2002. So silly. Candygirl man and Britney's old duet partner were also painful to watch.
that chubby illegitimate son of liza minnelli and liberace made my night
I watched my tape. I liked Page and the Ooh la la girl.
Candygirl man started out weird and went totally perv the minute he started describing his song. I understand why Britney would feel uncomfortable with him looking at her nevermind his singing.
I wonder what happened to the guy who used to record with her. If he ever had a good voice, he ruined it somehow.
The mini-bieber was forcing his voice way too much. And I hate age inappropriate songs. He's 13, he looks like he's 9, don't sing about love and sex.
I thought it was quite amazing that the bullied girl could sing at all while so emotional. She's not the winner type though.
So far the 13yr. old jazz girl is the best. This show is worse than Idol. The conversation between the selected contestants and their family/friends backstage looks very scripted to the point that it looks so fake. The talent pool is not very deep. Wouldn't it be weird if the over 30's group (if it exists this season) or older contestants were mentored by Demi Lovato?
It also seems that the focus is on the younger demographics. I don't see too many older contestants going through so far. Either that or not many older contestants are trying out after seeing last season.
That young girl was amazing ... hope they find a lot more talent this week
She has talent but I thought there was a lot wrong with her audition. For one thing, you don't belt out a Nina Simone song - it's ridiculous. There was absolutely no soul in her rendition. And she sounded really untrained to me.
Carly is decidedly not untrained. More like a plant. She's a New York theater kid.
To me it seems like they are probably only showing the good contestants that will be highlighted in Bootcamp or maybe even the ones that made it out of Bootcamp.
They are showing too many bad ones making it seem like the talent pool was dead this season. I personally watched/listened to a lot of the video/audio and there was a lot of talent and potential stars. Thank god only 2 more weeks of auditions and then this show got better last season and depending on how much of a reality tv aspect they show, it should get better this season. There was a lot of talent at Bootcamp.
I think I was impressed with Carly because no one else they've shown has been very good. Some not bad, she just stood out as the best so far. I don't think that's saying a lot though. That's why I added "I hope they find a lot more talent this week" So far there isn't much that's impressive.
Anyone know how long the auditions last before they hit boot camp?
Auditions: Septemeber 12-27
Bootcamp: October 3-10
Judges house: October 11-17
Live shows: November 1st-December 13th
Final/finale: December 19-20th
So a year on and correct me if I am wrong but nobody who took part last year made it in the music industry.
Rachel Crow seemed destined to success, especially with all the DESTROYER OF CHILDREN'S DREAMS business. But both her debut EP and her single "Mean Girls" failed to chart (not surprising given how terrible they were).
Melanie Amaro's single is out on the 18th and given how mediocre the song is, I am betting it's gonna meet the same fate.
Thanks tarotx
Thank you for this. I agree- it did nothing for me. My roommate was freaking out and I was just like I never like when people pick that song, its not a bad song its just overdone and never comes across as genuine. Of course she is good for 13, but I am not looking forward to seeing more of her, I am going to find her more irksome than Rachel I think.
I've seen Carly in many professional theatre productions. I know people who have worked with her in NY. She's not going to be irksome...she's always been praised for her maturity/adult-like qualities.
no one in the history of our species as been as irksome as rachel
I forgot about the girl who had been bullied in high school. She cried during her song. I thought she wasn't too bad either.
I've just watched all of the auditions so far.
And now I feel really abused. It's just painful. The show is very entertaining but the way they objectify and exploit people is just beyond disgusting.
Whilst half the auditions are showcasing people who are good at singing and performing, the other half go out of their way to make people look like shit.
When it's somebody like Lexa Berman, you can say that's what she deserved. I mean her attitude was just awful. Funnily enough in her case, the judges were actually quite sympathetic and gave her constructive criticism.
But then there were cases of exploiting clearly deranged people for ratings. Which I guess shouldn't surprise me because that's what X-Factor auditions essentially are but it felt particularly bad this time.
I mean if it's somebody like Quatrele, that is fine. He's not a great singer but he was funny and put on an entertaining show.
Kaci Newton and Vincent Thomas were clearly edited to make them look terrible. And I don't think they are. Vincent seemed really nervous and insecure and talking about his past boyband success was a way to boost his mood. And well he actually recorded and performed with a band that achieved (modest) international success which is something very few people can say.
Shan Armenta is obviously very deluded. Here at least Demi tried to be nice but I'd guess even the most constructive criticism wouldn't help as he seems very detached from reality.
Don Phillip is clearly not with it. He seems very emotionally disturbed, the strange rasp to his voice screams substance abuse and if it's true that they forced him to admit he's gay on the show, totally throwing him off balance as he wasn't out, it's just revolting.
Patrick Ford - obviously clearly disturbed. And Britney was a total bitch and looked constipated throughout when she could have just smiled, thanked for the flowers and said that she appreciates everything but it's not really right for him blah blah blah.
There were some very good performances too but all the above left a really bitter taste in my mouth.
Rachel is still doing acting parts on Nick from time to time. She might be better off in the acting business than in the music business.
no one in the world is as talented as leopard face thinks she is
Is there anything about this that is not totally and completely set up? This Kesha wanna be who started singing a horrible rendition of the Ghost song is now suddenly vamping it up and doing well to Aguilera? This woman was cast, you can't convince me otherwise.
the banter betw contestants sounds very very scripted and then badly acted by the planted contestants
Yes, it was just as obvious as the sketch at the beginning of the show between L.A. Reid, Demi and Britney. I'm sure that conversation was totally and completely real. It just makes me question each and every person who walks on stage and I can't get invested in anyone if I don't think they are real. The entire point, for me, is to see a REAL person with REAL talent go on to be a star. I don't care to see a scripted show where a contestant who was hand picked wins....as scripted.
Ugh, just switched over from the voice, and it feels from substance to going to the shallow end of a wading pool. So much arrogance, and b/s. Yargh
My first watching as well. The talent pool is probably equal to the Voice, but X-factor has none of the chemistry or humor. No contestants get to the judging stage without some talent. They aren't going for the "isn't this funny...let's humiliate this person." And while Xtina may dress more slutty than Brit, she looks better. Brittany looks rough.
It's Britney and she did look rough in San Francisco.
Panda was interesting. And the last girl.
I think the judging panel is really brilliant.
Demi is quite eloquent and funny, Britney is being a total bitch.
And I boycott The Voice because it pretends to be an "authentic", "non-gimmick" talent show whilst based on a huge gimmick of spinning chairs (plus battle rounds in a boxing ring...) and pretends it's all about the voice where the music industry is anything but.
Her eyes are completely hollow. It seems doubtful anyone is in there
That Panda lady cracked me up. I'm glad she ended up having a decent voice and wasn't there for ridicule. You could tell Simon was still cranky when he came back after missing a round due to being sick. Loved all the snarkiness from him.
Out of all the auditions so far, Carly Rose Sonenclar is definitely the outstanding one.
It's just incredible how amazing this girl is.
She just has the whole package.
Vocally, she's absolutely outstanding. But not just in technical terms. You can see she feels and understands the music. All of which is just incredible given her age.
She is very confident but not arrogant. She knows she's good but she's also humble and seems well mannered.
Loved her, but my money is on Jennel Garcia winning the whole thing. Great out of the box audition. Ditto Willie Johes.
Can't wait to see how they do.
The X-factor judging panel is brilliant? I thought Simon was good at finding talent on the 1st few years of AI but he's so arrogant & pretentious now that he's unsufferable. The other 3 have nothing useful to say IMO. And they spend so much time on background & judges' interviews before they sing & then they waste time after they sing, that it's boring, esp on contestants who don't even move on to the next round.
I never got the feeling that The Voice was being promoted on the fact that there are no gimmicks & I've never heard anyone connected to the show pretend to be authenic. I love the spinning chairs. I'm not crazy about the battle rounds so I hope they are planning something different this year to whittle the teams down.
Neither show has been that great on finding true commercial talent so far but I find The Voice entertaining & at least the judges are megastars who know what they are talking about. Britney is the only megastar on X-Factor but she is such an airhead that she should sing & never talk.
They showed too much filler and not enough of people singing during Boot Camp that I'm not even sure who is still around anymore.
But this I do know .... hate hate hate HATE that damn beyoth Cece. What the hell is that crap all over her face? Does she really think that looks attractive? Loved how she stood up there and totally lied about the other girl picking the song when Beyotch forced it on her. Man I hope she ends up getting cut after her snotty remark about how she should advance because she didn't forget her words. If she ends up making the live shows, I may have to quit watching.
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LOUISVILLE, KY (WAVE) – Saturday morning, fans and foodies pulled up to Lynn's Paradise Café only to be shunned away. Loyal customers didn't know the iconic restaurant was closed for business until they dropped by for a bite to eat.
Orange cones and a tight rope blocked the parking lot's entrance after the owner shut down the business overnight. There wasn't a note or a going away message. The only communication came from security personnel hired by the restaurant.
"I like Lynn's so I'm disappointed," said George Kushner who arrived to the restaurant anticipating meeting friends for breakfast. "Very disappointed. And quite honestly, shocked."
Neighbors speculated about the restaurant's future.
"I wonder if someone will buy it and keep it going. It's a possibility. It's an icon," Mile Spalding said.
Some stopped and snapped photos of the eclectic, Technicolor restaurant known nationwide.
"Lynn's is very well known - all over the country," said Kushner. "Airplane magazines and everything else, so I think it's a loss to the Louisville community."
"This was the spot in the area," Larry Pitt said.
The restaurant was a staple in the Highlands – a spot where celebrities were seen during the Kentucky Derby and a must-visit for tourists and those new to the area.
"My wife is from here and this is the first place she brought me," said Tim Acord. "It's definitely going to be strange if it's closed down."
In a brief statement released early Saturday morning, owner Lynn Winter said, "Thank you to all of our loyal customers and faithful employees for making it possible to a run a 22 year business. It's been a great run and we've had a ton of fun. The time has come to move on to new creative ventures."
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Baltimore, MD (Sports Network) - Justin Morneau smacked a go-ahead single in the top of the ninth inning to lift the Minnesota Twins to a 6-5 victory over the Baltimore Orioles on Saturday.
Morneau, who finished with three hits and two runs scored, singled home the game-winner after Baltimore first baseman Chris Davis had a ground ball slip through his legs, allowing Aaron Hicks to reach first and keep the inning alive.
"To this point we have been in all these games, and we have had opportunities," Twins manager Ron Gardenhire said. "The guys are really competing. We've been in all these games with some really good teams, and that says a lot about what is going on in the clubhouse.
Jim Johnson (0-1), who also issued a two-out walk to Josh Willingham, was dealt with the loss, his first since July 27 of last season.
Chris Parmelee added a two-run homer in a critical four-run third in the victory.
Minnesota reliever Josh Roenicke (1-0) pitched three strong innings of one-hit ball before Glenn Perkins spun a perfect ninth to earn his first save of the season.
Nick Markakis went 4-for-5 with two doubles and a run scored in defeat, while Adam Jones had two hits and three RBI.
Davis, who was chasing MLB history after homering for a fourth consecutive game to start the season, had one hit and an RBI.
Baltimore starter Chris Tillman struggled, allowing five runs on seven hits over 3 2/3 innings. The remaining Orioles relievers, however, gave up just two hits, but the final one was costly.
The Orioles struck early in the first with two runs as Jones' swinging bunt scored Manny Machado and then Markakis came around from second base after Minnesota starter Vance Worley's throw to first sailed past Morneau.
Worley gave up 10 hits and five runs -- four earned -- over five innings. He gave up three runs and eight hits in six innings in his Minnesota debut, a 4-2 defeat to Detroit on Monday.
The Twins got on the board in the second as Brian Dozier hit a sacrifice fly to center scoring Morneau. The visitors took the lead in the third as Ryan Doumit plated home a run with a single, followed by Trevor Plouffe's sacrifice fly and then Parmelee had the green light on a 3-0 count which he took over the right field wall to make it 5-3.
Jones tied the game with a single up the middle in the fifth scoring Nate McLouth and Machado.
"The defense, bullpen and everything is going to come together. We gave ourselves a chance to win. That is all you can really ask for," Davis said.
Davis has 17 RBI through the first five games of the season. He became just
the fourth player in MLB history to hit a homer in the first four games to
start the season with a game-changing grand slam in Friday's home opening win
over the Twins ... Tillman went 9-3 with a 2.93 ERA in 15 starts last season.
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Place the studs, explosives or other destructive items, and get ready to face the many multiple outnumbered the Vikings!
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Place the studs, explosives or other destructive items, and get ready to face the many multiple outnumbered the Vikings!
You are in the middle of the barren Plains and around you is teeming with zombies. Fortunately, you have a gun and a heavy dose of grenades.
Choose your own buggy and beat all your opponents on rustic track nature in 3D.
Mother nature comes with destructive storms, and it is only up to you how many people save through destruction. A fun game with a bus that constantly drifts in the 3D environment of the village.
Turn the color krychly at the right time and the right color on color kostu arriving. How will you succeed with gradually increasing speed.
3D fantasy bowling alleys such as Rome, the forest, the sea, San Francisco or Tokyo. Can you play a clean game?
These foreigners need to feed! Resolve complex logical puzzles and give them what they need in my life.
This cute astronaut found himself in a spaceship, which is filled with horror! Help him on his way for bezpečním.
Master the power of cloning and get elegantly from secure laboratories. A fun and creative jump'n run game, in which you solve logical puzzles.
Legendary inventor uses his vynálezi against the evil men who want to steal! Stand on the side of good and stop the evil power of electricity!
You are an elite sniper, which must complete its task at any price.
If you are a fan of classic 3D races with cool graphics and high-quality physics, then these plants are exactly for you!
Secret agent trying to penetrate into the depths of the enemy's laboratory, in which trials take place. Can you help him find out what's going on here?
Become a wizard Donutosaurovi and collect as many stars as you can handle!
Become the only person who will take the necessary supplies to okay military camps.
Help a little robot to complete his adventure task! You can splňit all 14 difficult levels?
Crazy shooter with a boy and a bazooka, which is full of special explosives!
Enjoy one of the greatest men of his time, Sherlock Holmes! Can you solve the murder mystery in the shop with tea?
The whole city sink into the darkness, since all the tombs were opened, and the city is full of zombies! Clean your tank their ranks drastically.
This city has a big problem with neukázněnými drivers. Take control of road traffic and resolve complex intersection.
Fast skill game in which you have bet on their own observation and prepared to overcome all the dangers.


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Thread: Anonymous Facebook page?
Mar 9, 2011, 15:13 #1
Anonymous Facebook page?
Someone asked me if I could create a Facebook fan page where the poster's profile would be blacked out if the posted on it. Is something like that possible?
Thank you.
Mar 11, 2011, 20:41 #2
I don't think that's possible. If the poster on your fan page wants to keep his/her profile exclusive only to his/her friends, he/she needs to set it in his/her privacy settings. That's the only best thing so far.
I have a fan page account in facebook, tried to edit the setting on my own privacy settings and found nothing that can keep my fans' profiles in private.Brand New Mitsubishi Adventure
Mar 14, 2011, 01:19 #3
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In my openion off your the first person to "like" it on the list . people will realize your the one who made it right away..


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