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The Macroeconomics of the Credit Crisis: In Search of Externalities for Macro-Prudential Supervision
AbstractIn the analysis of the credit crisis of 2007-2010 a clear distinction should be made between (i) the initial shock; (ii) the propagation and amplification of the initial shock to the systemic crisis of the financial markets; and (iii) the transmission of the credit crisis to the real economic sector causing a major cyclical downturn now known as the great recession. This paper argues that banking supervision failed to anticipate and repair the market failure that caused the huge amplification of the relatively small initial shock. As the repair of market failure is the only sound economic argument for regulation, banking supervisors should now focus on the externalities that caused the amplification of the shock and use that knowledge for adequate macro-prudential supervision in the future. Macro-economic models can be helpful in this search for externalities. The character and timing of future shocks are unpredictable, but contagion in the propagation mechanisms should be mitigated as much as possible.
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Bibliographic InfoPaper provided by Tinbergen Institute in its series Tinbergen Institute Discussion Papers with number 10-052/3.
Date of creation: 17 May 2010
Date of revision:
Handle: RePEc:dgr:uvatin:20100052
Contact details of provider:
Web page: http://www.tinbergen.nl
Related researchKeywords: credit crisis; externalities; macro-prudential supervision; contagion; fallacy of composition;
Find related papers by JEL classification:
- E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
- E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies
- G38 - Financial Economics - - Corporate Finance and Governance - - - Government Policy and Regulation
This paper has been announced in the following NEP Reports:
- NEP-ALL-2011-02-26 (All new papers)
- NEP-BAN-2011-02-26 (Banking)
- NEP-CBA-2011-02-26 (Central Banking)
- NEP-MAC-2011-02-26 (Macroeconomics)
- NEP-PKE-2011-02-26 (Post Keynesian Economics)
- NEP-REG-2011-02-26 (Regulation)
ReferencesReferences listed on IDEAS
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- Ingo Fender & Janet Mitchell, 2009. "The future of securitisation: how to align incentives," BIS Quarterly Review, Bank for International Settlements, September.
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main index
The Doctor: Ah! You want me to volunteer, is that it? And if I don't?
The Guardian: Nothing.
The Doctor: What? Nothing? You mean nothing will happen to me?
The Guardian: Nothing at all. (pause) Ever.A godlike guy in a casual white suit, the White Guardian, interrupts the Doctor's puttering around in the TARDIS to give him a quest: find all six segments of the Key To Time. Why and how and what the thing does isn't explained just yet, but the Black Guardian apparently wants it too. The parts have to be gathered before... well, there's a deadline, but it's not entirely clear when it is. But sooner would be better.True to form, the White Guardian gives the Doctor some supernatural aid. Her name is Romanadvoratrelundar. She's a still-wet-behind-the-ears Time Lady, fresh out of the Time Lord Academy, where she acquitted herself rather better than the Doctor ever did. And she can out-smug the Doctor.Romana reads the TARDIS Owner's Guide and effects a perfect materialisation on the icy, remote, pre-contact world of Ribos, location of Plot Coupon #1. They quickly track it to the royal bling room, where it's been disguised as a huge glowy blue lump of jethrik, an incredibly rare and expensive subtance.But all is not as it seems. The jethrik has been planted there by one Garron: ostensibly a real estate agent showing the planet to a client (Graff Vynda-K, a psychopathic ex-dictator with a talent for shouting and grinding his teeth at the same time). But Garron is really a Snake Oil Salesman running a Violin Scam. Together with his friend Unstoffe, he's trying to trick the Graff into paying an inflated price for the allegedly (but not really) jethrik-rich planet. It works, and the Graff's million-opek down payment is stored in the royal treasury for the night. The Genre Savvy will not be surprised to learn that, next morning, the money and the jethrik are gone, and the guards have no idea what the Graff Vynda-K is ranting about.When the Graff finds out he's being scammed, both team TARDIS and the scammers have to make a run for it, avoiding the treasure room's watch dragon in the process. Unstoffe is rescued by a heretic named Binro, who was cast out for saying the planet moves in relation to the stars. Unstoffe is deeply impressed by Binro's theories and kindly tells him that he's right — he's from the stars, and one day, people will speak of Binro as the prophet of the future. Their Action Film, Quiet Drama Scene is interrupted when Garron contacts Unstoffe via radio and tells him to run. Unstoffe hands Binro his radio device in order to protect him. It has rather the opposite effect, and Binro is brutally murdered by the Graff for helping Unstoffe.In the ensuing battle, the Graff's best friend dies as well, and the Graff suffers a severe Villainous Breakdown as a result. Since the local prophet-woman has been saying that only one person will survive, he immediately proceeds to murder her and strap a bomb to his one remaining soldier, telling the man that he's destined to make a Heroic Sacrifice. The Graff, now having war flashbacks, walks away while the soldier stays behind to get blown up. Unfortunately for the Graff, the soldier is actually the Doctor in a bucket helmet, who strapped the bomb to the Graff with a bit of sleight of hand and merrily laughs as the Graff gets blown to pieces. He then pulls a similar trick on Garron and Unstoffe, leaving them with a worthless rock while he takes the jethrik, which he converts into the first segment of the Key.
This is another one from the man who was probably Doctor Who's greatest writer, Robert Holmes, and as such it's well-regarded. Watch it here

subset: commoncrawl


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Playoffs are the goal. Wildcard would be sweet, winning the division would be even sweeter. But how can they make the playoffs?
A top running attack is pretty much the Raider's only hope at making the playoffs. Without a franchise QB pounding the rock will be the only way to move the chains while keeping the pressure off the QB. Whether it's Schaub or Carr both will need plenty of help.
The raiders franchise player on offense is probably the center Wiz. Not exactly the recipe for success in the modern nfl pass first league. One thing the raiders did do this offseason was surround Wiz with beef. Howard, Jackson, and Barnes are significantly bigger then last years inside depth of Bergstrom Nix and Brisel. Watson and McCants also have another year experience and a combo of Sparano and a familiar Olson just might be the recipe that could get Penn back in form.
The OLINE looks good on paper especially since they are all healthy. But who's going to be the ball carrier behind this new beefy line? My money is on MJD. The hope is he regains some speed after a full year recovery from a foot injury that slowed him down last year ( that and Woodson;)
DMC will not be able to stay healthy so even if he wins the job out of camp it will only be a matter of time until MJD gets his shot. Murray and Sheets are both question marks at this point and Jeremy Stewart has been more of a special teams body. When they switched Taiwan Jones back to RB when Jennings and DMC were injured you have to think they don't have much confidence in Stewart. If Murray and Sheets showed potential and ability to play special teams one would for sure take Stewarts spot and possibly even McFaddens. Especially since Reece could most likely hold down whatever carries DMC would leave uncounted for.
.MJD hasn't really had a chance to play in a good offense since Fred Taylor and David Garrard were helping him out. This might very well be the best OLINE he's played with for a while as Jacksonville wasn't giving him any favors by trading Eugene Monroe last year not to mention Gabbert was the starter when healthy. Even so MJD finished strong last year and the trend could continue behind this new beefy line. I fully expect Olson to use a committee of backs but expect MJD to be the lead.
MJD was the number 1 back in pass protecting last year. He told Jennings he would fight him if he hurt the raiders. His grandma is finally coming to his games. Plus he has a huge chip on his shoulder from Jacksonville and the rest of the league not wanting to pay him. Lookout for MJD to prove everyone wrong this year and with the help of a solid defense and smart QB play, playoffs could very well be in reach boys.


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CATEGORIES UnscriptedMatthew McConaughey, Owen Wilson and a bevy of rock stars ...
Over the past decade, Kate Hudson has captivated audiences with her big-screen romances, fulfilling many a female's fantasy by bedding a rock star, seducing a handsome pastor and landing shirt-hating sex symbol Matthew McConaughey (twice!).
But her dating adventures haven't all been on screen -- tabloids are rife with accounts of her high-profile relationships with the likes of Black Crowes frontman Chris Robinson, comedic genius Owen Wilson, cycling champ Lance Armstrong ... and the list goes on. Check out Moviefone's recap of Kate Hudson's many on- and off-screen loves.
The Many Loves of Kate Hudson
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Lionsgate / Everett Collection
Michael Buckner, Getty Images
Bryan Bedder, Getty Images
Mike Guastella, WireImage.com
Warner Bros.
Vince Bucci, Getty Images


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Tyler Perry is offering a $100,000 reward for information in the cold-case of two missing Florida men, Terrance Williams and Felipe Santos. The men went missing from the Naples-area three months apart in 2003.
Tyler Perry was joined at a news conference on Thursday by Rev. Al Sharpton and NAACP head Ben Jealous to discuss the missing-person investigations of the two men. Terrance Williams and Felipe Santos disappeared after crossing paths with Collier County Sheriff's Deputy Steven Calkins. He was never charged but was fired in 2004.
I echo Tyler Perry's sentiment that the media doesn't pay too much attention to missing-persons cases involving blacks and Hispanics. Terrance Williams was black and Felipe Santos was an illegal immigrant from Mexico.
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- Don Lemon: National Guard Heard Using N-Word to Describe Ferguson Protesters - August 20, 2014


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Read An Excerpt
England, Historical Fiction, Historical Romance
To my surprise, considering that my bed was a pallet on the floor in an unused and dusty chamber, I tumbled headfirst into a dream that was no dream.
I stood in Tewkesbury Abbey, beside one of the heavy pillars of the nave, a cloak falling straight from shoulder to floor, a deep hood hiding my face. At the center of the nave stood a small group of men. If I had stretched out my hand I could have touched any one of them, but they paid me no heed. All showed signs of the recent battle, still wearing some remnants of armor, still smeared with dust and sweat and blood. There was the reek of death about them. Of danger. They had come straight here from the battlefield.
There was Edward of York, King Edward. He had removed his helm with its gold circlet and dropped it against the rood screen. His tabard blazed with the sun in splendor despite the gloom that hemmed us in. With him was Clarence, sword still in hand. And Gloucester. My Richard. Feet firmly planted, legs braced, he made up the trio of royal brothers, no less impressive for the coating of muck and gore from a hard fight. His eyes were hard, gleaming like obsidian, his face lined and weary. His hands where rings glinted were clasped on his sword belt.
He still wore my ring.
My eyes moved on. Surrounded by guards, there stood the Prince, my husband. He had suffered rough handling. Apparently unhurt but disheveled, hair awry, one sleeve all but rent from the body of his tunic, he looked less than princely. Mud was smeared from forehead to chin and the ostrich feathers barely showed through the filth on his breast. Face pale, he stood with guards restraining him, gripping his arms. I knew how he must have hated that.
"So you would fight against me." King Edward broke the silence.
"I would," the Prince snapped. "And I will, until there is no more breath in my body."
"See!" The King gestured. "A traitor by your own words. You have no right to the crown."
"More right than you! My birth is beyond question. You'll not deny me my birthright." Petulance blossomed. His fair skin flushed with anger, his sneer ugly. "Challenge me to single combat—if you dare! You know I would be the victor. I am the true King."
The King tilted his head, considering, lips pressed firm.
"A traitor condemned out of your own mouth. The penalty for such is death. After victory on the battlefield it is my right to deal out summary justice."
The threat lay heavy, thick in the air to fill my lungs so that breathing was well-nigh impossible, white-hot as a lightning strike. Red as blood. I was held in its grip. So I stood as witness to the final event.
"The penalty is death!" the King repeated.
"You cannot kill me. I claim the right of sanctuary."
"There is no sanctuary."
The Prince stared wildly around. "Usurper!" he spat with no lessening of aggression. "I will have my father's heritage. . . ."
The Prince leaped at the King. With what intent? Impossible to know, but I saw Richard slide a long-bladed dagger from his belt. My attention was gripped and held by that bright metal. I could not look away.
And Richard struck. He buried the long blade in the Prince's gut, a final vicious upward thrust to pierce his heart. There was a cry. The Prince gasped with shock, eyes wide and staring in pain, in astonishment, his hands clasped tight to the hilt as if he could undo the deed. He slid to the floor in a graceless heap as his blood and his life drained away.
Aghast, I looked at the body. Murder? Was this murder? Blood seeped through the fine linen of his tunic to stain the already mired feathers. It spread on the floor to creep toward me. When I looked down it lapped my shoes; my skirts were spattered by it. Beside the Prince the knife had fallen on the slabs of paving. I was transfixed by it, by the glint of metal through the blood.
I cried out in denial. But whose name I could not hear. Was it the Prince's or Richard's? No one heard.
They turned away, the deed done. In my dream, I was alone with the body of my husband.
I crouched beside him.
Then I was alone no longer. There was Queen Margaret in a sweep of black mourning, touching my shoulder, gripping it in frenzied fingers. "So you have seen my son done to death. Gloucester murdered my son. Does this please you? Your lover murdering your husband?"
"No. It does not please me."
"Now you are free. Free to go to him."
I woke abruptly with dry throat and staring eyes as the horrors of the dream stayed with me. This was not a battlefield killing in hot blood. It was revenge, deliberate blood-soaked murder by Richard's hand, just as the messenger had told the Queen. I lay still. If I could, I would have pulled the covers over my head and hidden from the world.


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Group Discussions
Blue Label
5 years ago
Lily great postings..
5 years ago
The camel with the lips moving is just to funny! Thanks Lily
5 years ago
Oh Lily, these are awesome!!! This last photo, is that a panther? Absolutely beautiful creatures you posted. Thank you.
(closed) Going SAFARI
5 years ago| Blue Label
This topic is closed


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Rugby Union
Select a team
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Nils Mordt
Double boost for Sarries
Monday 31st May 14:36
Saracens have completed their signings for the 2010/11 season by adding Nils Mordt and Matt Parr to their squad.
Nine set to leave Quins
Wednesday 12th May 10:03
Harlequins have confirmed that nine players will be leaving The Stoop in the summer.
Quins swoop for Mordt
Thursday 1st October 18:36
Harlequins have signed centre Nils Mordt from their Guinness Premiership rivals Northampton.
The Off Load: The best and worst from the world of rugby
There was loads of great rugby to enjoy over the weekend including a masterclass from New Zealand!
Guinness PRO12: Stuart Barnes backs Munster to end Leinster's run
Munster were last crowned PRO12 champions in 2011 and since then have seen their fierce rivals Leinster leading the way as far as the Irish teams are concerned.
Good Week/Bad Week: We take a look at the winners and losers from the last seven days
So much can change in a week of sporting action and, sure enough, there have been plenty of highs and lows over the past seven days.
Experts & Blogs
Phil Edwards
Read the thoughts and opinions of Phil Edwards with skysports.com


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Reykjavik Apartment Rental Photos and Description
Location of this beautiful and luxurious 3 bedroom apt. doesn't get any better. Only few minutes walking from the best restaurants, coffee houses, shopping, and entertainment that Reykjavik has to offer. Also, only steps away from the main street 'Laugarvegur'. It's a very spacious apartment and sleeps 6 people very comfortably.
- Suitability:
- children welcome
- non smoking only
- pets not allowed
- Minimum Age Limit for Renters
Ingimar O Petursson
A well educated professional, with a good experience in the tourism and leisure industry, yet with that personal touch!
It's location in the heart of the city, walking distance to all the main attractions. 3 bedrooms, which is not common in the city center. In addition, the apartment is beautiful, spacious, sleeps 6 comfortably, and has everything you might need during your stay.
The street, Skolavordustigur, is one of the most beautiful streets in Reykjavik. Everything you will need is in walking distance, the best restaurants, coffee houses, shopping, and entertainment that Reykjavik has to offer.


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Grizzlies acquire rights to Calathes from Dallas
Posted: 07/22/2013 - MEMPHIS, Tenn. (AP) - The Memphis Grizzlies have acquired the rights to guard Nick Calathes from the Dallas Mavericks.
Posted: 07/22/2013 - MEMPHIS, Tenn. (AP) - The Memphis Grizzlies have acquired the rights to guard Nick Calathes from the Dallas Mavericks.
Posted: 07/21/2013 - Chris Tillman pitched eight effective innings in his return from the All-Star game and the surging Baltimore Orioles beat the Texas Rangers 4-2 on Sunday night to sweep a three-game series between 2012 playoff teams.
Posted: 07/21/2013 - Tony Romo was waiting in California when the Dallas Cowboys arrived for training camp.
Posted: 07/21/2013 - Phil Mickelson has won the British Open with a spectacular finish.
Posted: 07/21/2013 - Joey Logano held off Sam Hornish Jr. to win the NASCAR Nationwide race at Chicagoland Speedway on Sunday.
Posted: 07/21/2013 - Chris Froome won the 100th Tour de France on Sunday, having dominated rivals over three weeks on the road and adroitly dealt with doping suspicions off it.
Posted: 07/19/2013 - Matt Wieters homered, Wei-Yin Chen pitched into the seventh inning and the Baltimore Orioles beat the Texas Rangers 3-1 on Friday night.
Posted: 07/19/2013 - The Dallas Mavericks have signed free agent center Samuel Dalembert, putting them a step closer to securing another overhaul of their starting lineup.
Posted: 07/19/2013 - All-Star right fielder Nelson Cruz is out of the Texas Rangers' lineup because of a migraine headache.
Posted: 07/19/2013 - DALLAS (AP) - A Dallas judge has ordered attorneys to be careful about their public comments in the intoxication manslaughter case of ex-Cowboy Josh Brent.
Posted: 07/18/2013 - The Texas Rangers have released left-hander Brad Mills from his minor league contract so that he could sign to play in Japan.
Posted: 07/18/2013 - The Texas Rangers are coming out of the All-Star break as chasers instead of leaders for the first time in four seasons.
Posted: 07/18/2013 - Dallas Cowboys defensive tackle Josh Brent says he is retiring from football as he faces trial for a fatal crash that killed a teammate.
Posted: 07/18/2013 - The Dallas Mavericks have reached a deal with Samuel Dalembert, who will likely be their fifth starting center in the past five seasons.
Posted: 07/17/2013 - Adrian Beltre has his quirks.
Posted: 07/17/2013 - NEW YORK (AP) - Mariano Rivera pitched a perfect eighth inning in his final All-Star appearance, Jose Bautista, J.J. Hardy and Jason Kipnis drove in runs to back a night of pulsating pitching, and the American League beat the National League 3-0 Tuesday night to stop a three-year losing streak.
Posted: 07/16/2013 - Mavericks rookie guard Shane Larkin has undergone surgery to repair his broken right ankle.
Posted: 07/16/2013 - HAMPTON BAYS, N.Y. (AP) - Brooklyn Nets coach Jason Kidd has pleaded guilty to a misdemeanor drunken driving charge.
Posted: 07/15/2013 - Yoenis Cespedes has won baseball's Home Run Derby, becoming the first player left out of the All-Star game to take home the crown.
Posted: 07/15/2013 - Texas A&M quarterback Johnny Manziel has pleaded guilty to a misdemeanor charge stemming from his arrest last year for fighting outside a bar near campus.
Posted: 07/15/2013 - The Atlanta Hawks have signed free agent Elton Brand.
Posted: 07/14/2013 - Justin Verlander held Texas hitless until the seventh inning, and the Detroit Tigers backed their ace with three home runs in a 5-0 victory over the Rangers on Sunday.
Posted: 07/14/2013 - Brian Vickers pulled into the lead late and took off on the green-white-checkered finish to win Sunday at New Hampshire Motor Speedway.
Posted: 07/14/2013 - Nineteen-year-old Jordan Spieth outlasted David Hearn and Zach Johnson on the fifth hole of a playoff to win the John Deere Classic on Sunday, becoming the youngest winner on the PGA Tour in 82 years.
Posted: 07/13/2013 - Max Scherzer's unbeaten run ended Saturday night when the Texas Rangers tagged the Detroit All-Star with his first loss of the season, defeating the Tigers 7-1.


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Marcin Gortat says he's unhappy with role, denies it
Dec 16, 2013, 5:38 PM EDT
Marcin Gortat is playing well for the Wizards, but that doesn't mean he's happy.
Gortat, via J. Michael of CSN Washington:
"I just don't like the position I play. I'm constantly drifting more and more away from the basket. Quite honestly, that's not my game. I'm capable of making or two plays like that but I feel more comfortable underneath the basket," Gortat said. "I just got to talk to coach and clear things up. Just make sure we're on the same page." It's something point guard John Wall has noticed. "He's just not taking the same shots we're used to him taking, especially in pick-and-roll situations. He's turned a lot of those down the last couple of games," Wall said. "He's got to get his confidence back, especially in the fourth quarter when guys are going to trap me on pick-and-rolls. It's up to him to make the play. We still believe in him to make those shots, to make those extra passes. He's just got to get back into a rhythm."
The numbers back up those assessments. Gortat is taking just 43 percent of his shots at the rim, by far his career low.
But that doesn't tell the whole story. When playing with Nene, a big man much more capable of stepping out of the paint, Gortat is actually getting shots at the rim in line with his time with the Suns.
Nene recently injured his foot, and that has put Gortat in the somewhat uncomfortable position of being the big who spaces the floor.
So, Wizards coach Randy Wittman doesn't have to completely re-work his offense to appease Gortat, merely just tinker with sets while Nene is out.
Or maybe Wittman needn't do anything. Gortat (hat tip: Matt Moore of CBSSports.com):
Thats BS …. People trying create drama within our team! I know my role and im not frustraded!!!—
Marcin Gortat (@MGortat) December 16, 2013
There are degrees of frustration.
Players are often frustrated with their roles, but they're usually not so frustrated that they say so publically. When stuff like this slips out, it often indicates that the player's frustration outweighs his ability to filter himself.
The Wizards have lost four straight since Nene's injury, so that makes it even more likely Gortat just reached another level on the frustration ladder. Issues that would get swept under the rug on winning teams come out on losing teams.
My best guess is Gortat fell somewhere in between rungs – frustrated enough to say he's unhappy with role, but not so frustrated that he wanted to stick with his statement publically after a chance to take a deep breath and filter himself.
When Nene returns, this should take care of itself. The Wizards are more likely to win with him, and Gortat is more likely to get touches where he wants him.
But considering how frequently Nene suffers injuries, Wittman should prepare an offensive scheme that better utilizes Gortat when Nene is out.
- adoombray - Dec 16, 2013 at 6:21 PM
"I'm still capable of helping this team, and regularly recording a double double, but when the ball sticks to one person on offence, it's hard to find a good rhythm."
-Gortat on Dragic last year
This guy is an awful teammate. Must be a bummer having Steve Nash turn him into a star for like 2 seasons then having the bottom fall out so hard he's suck on the Wizards.
- shanelsweet - Dec 16, 2013 at 6:23 PM
Beal is back tonight against the Knicks, and maybe Nene as well but more likely for him on Wednesday.
Getting those 2 starters back will lead to a winning streak so that Gortat can get back to happy camper status. Wall is right, though, the Wiz could sure use Gortat to step up big at the end of games. That's what the Wiz get from Nene that they really need. When they have another big pick and role buddy for Wall, they'll start closing folks out late. I'll be curious to see what they get from back up big man Seraphin tonight after his 16 point game last time out.
- 00maltliquor - Dec 16, 2013 at 10:41 PM
This guy is never happy, no matter where he is.
- timberwolvesbrisin - Dec 17, 2013 at 9:32 AM
The guy is very immature, and I often hears scouts say he is very overrated. I havent seen enough to say myself.
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The NFL off season is upon us, but Minnesota Vikings fans can beat the winter blues with a Daily Norseman photo caption contest. We're dusting off our famed Burger King crown and we're looking for...
Daily Norseman readers submitted their entertaining creations for the Jim Kleinsasser photo caption contest. Find out whose caption won.
MN Vikings fans continue to make their own fun with a caption contest winner and an Ultimate Misery Mix 2011 Track 4 challenge. With a season like 2011, Vikings fans need a little fun.
Things continue to look both bleak and annoying for MN Vikings fans, but don't fear--we have caption contest winners for you. Because, you know, that's almost as good as cheering for a winning team.
Frank Martin talks to Stan Weber at halftime of the Fort Hays State exhibition game. What is Frank saying? What is on his mind?
Caption contest! Missouri offensive coordinator David Yost thoroughly enjoys his team's matchup with K-State. But he needs a better caption. Let's see what you got. Congrats to BlackCats for winning the last caption contest by likening Arthur Brown to Puss in Boots. I have a feeling a certain linebacker may want to have a word with you soon.
Caption Contest! Arthur Brown rests on the sideline after becoming the first player to intercept a Robert Griffin III pass this season. But c'mon, it's Arthur Brown, he needs a better caption than that. Congrats to MadCat for winning the caption contest for the Scheme Doctor. Fire away! Rec your favorites!
Got a couple of hours to kill before game time and someone just brought this totally awesome SI cover photo to my attention. I'm not sure if I have anything to give away, but this should be fun...
"Mystery" cellphone caption contest.
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Route Guide - iPhone / Android - Partners - Forum - Photos - Deals - What's New - School of Rock
These are a series of spires/rock towers just a bit northwest of Devil's Head. There has not been much development, but there is potential for a lot. Some routes are listed in Hubbel's guidebook but not many. These spires stick up in the air away from the ridge (except 2nd and 3rd, which are on the windward, SW-facing side), so they stay sunny and clear off early. It is unlikely you will see anyone all day at any time of year. The rock is typical Pike's Peak granite with good quality and very little exfoliation. This area was not involved in any of the Buffalo Creek area fires, and so the slopes are treed. Water is not available.
Getting There
From Sedalia, head west on CO 67 until you get to Sprucewood, turn left (south), and drive about 7 miles (2.6 miles?) on the curvy road until you get to Trail 677. You can take this, or drive another mile or so south and pull out to the right (west) on a forest road access (used for thinning) with a green gate. Hike west and then north on the path of least resistance, using old logging/thinning roads and eventually crossing TR 677, heading north until you hit the South Noddle (4th Noddle). Expect 45 minutes minumum to get to S. Noddle, a bit longer to get to 1st, 2nd, or 3rd Noddles.
Climbing Season
8 Total Routes
The Classics
Browse More Classics in Noddle Heads
Mountain Project's determination of some of the classic, most popular, highest rated routes for Noddle Heads:
Beau Knows 5.8 5b 16 VI- 15 HVS 4c PG13 Trad, 2 pitches, 200' North Noddle Head (First No...
Featured Route For Noddle Heads
Too High to Die 5.8 5b 16 VI- 15 HVS 4c CO : South Platte : ... : South Noddle Head (Fourth N...
This is a great crack climb which you will enjoy if you like cracks. The first pitch is a hand crack, and the second pitch is a bigger crack which can be liebacked in some places. You should save your #4 Camalot for about 3/4s of the way up the second pitch. You can get to the top of the rock from the end of the second pitch, but it is not recommended....[more] Browse More Classics in CO
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Sign up for Yardbarker's daily Top 10 newsletter, the Morning Bark! Customize to get news on your favorite sports and teams.
Found October 29, 2011 on NESN.com:
PLAYERS: Rolandan Finch
TEAMS: Boston College Eagles
TEAMS: Boston College Eagles
COLLEGE PARK, Md. -- With a performance as miserable as the weather, Maryland absorbed another lopsided defeat and dropped into last place in the Atlantic Division of the ACC. Rolandan Finch ran for 243 yards and two touchdowns, and Boston College rolled past the Terrapins 28-17 Saturday for its first conference win. Maryland (2-6, 1-4) gave up a touchdown on the Eagles' first possession and never caught up. It was 21-3 early in the second quarter, and it stayed that way until the Terrapins finally reached the end zone with 6:39 left in the game. By then, it was too...
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Boston College 28, Maryland 17
Finch carries Boston College over Maryland
W. Volleyball. North Carolina Sweeps Boston College
M. Ice Hockey. No. 1 Boston College Defeats UMass-Lowell, 6-3
M. Ice Hockey. No. 1 Boston College Earn 4-2 Win At UMass-Lowell
Boston College lays Maryland low in their house
W. Volleyball. Volleyball Meets UNC, NC State in ACC Tilt
W. Soccer. Deacons Down Boston College 3-2 in ACC Quarterfinals
No. 1 Boston College Earn 4-2 Win At UMass-Lowell
M. Cross Country. MXC Produces Six PRs at ACC Championship
Boston College, Maryland meet in duel of ACC also-rans
Plenty gained by back
Field Hockey. No. 19 Wake Forest Downs Boston College 1-0
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Yahoo's updated e-commerce platform builds in security features
Yahoo Stores features 'automatic' PCI compliance for secure payments, among other options.
Yahoo's updated e-commerce platform builds in security features
Yahoo Stores features 'automatic' PCI compliance for secure payments, among other options.
Amazon's new California warehouse fulfills state tax deal
The fulfillment center will be the e-retailer's fifth in the state following a 2011 tax deal that requires it to collect sales tax from ...
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A recent Javelin study found 34% had bought online in the prior week.
An annual study released today by Javelin Strategy & Research finds that U.S. online consumers are shopping on the web more often.
In a survey of 2,300 consumers conducted in August, 34% of respondents said they had made an online purchase within the prior seven days, compared to 30% who said so in the 2010 survey and 27% in 2009.
This year's survey also finds that 77% of consumers said they made a purchase online within the prior 90 days, compared with 76% who said the same last year and 68% in 2009.
In the study, the "2011 Online Retail Payments Scorecard: New Options to Maximize Online Shopping Revenue," Javelin also noted online payment figures from an earlier study that project that web sales will steadily increase its share of total retail sales over the next several years, increasing from $285 billion or 7.0% of sales this year to $443 billion or 9.2% of sales by 2015.
The founder of a merger and acquisitions consulting firm examines how e-retailers can know the ...
Posted 08/18/14
Besides Alibaba, Chinese e-commerce companies like LightInTheBox and DinoDirect are seeking deals to get goods ...
Posted 08/14/14
If there's something you've bought offline that you weren't able to buy online, we're probably thinking about that."


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Elf Warrior Adult Mens Costume
Tis said the little people rule the earth and perhaps it's true - the elves shall rule on Halloween. Be one of the winners when you don this green and brown Elf Warrior adult mens costume and scout the party in search of spoils or trouble.
Warrior Elf Adult Womens Costume
You'll appear from an exotic and mythical land when you show up to the party wearing this Warrior Elf Adult Women's Costume. Green dress with ruffled chest, brown lace up bodice and loose flapping skirt comes with flowy cuff sleeves and green headband with attached pointed ears.
Elf Adult Costume
Elves Unite, says the ringleader in this Elf Adult Costume! Go on strike from Santa's Workshop (at least until Halloween has passed) in this fun elf costume, complete with a green and red cone Hat, green Overcoat with attached black belt, red Pants, and pointy black Shoe covers. Elfin Ear Tips are…
Lil Elf Costume
Celebrate Christmas with all the bells and whistles - this cute Lil Elf romper has a matching red and green elf hat trimmed with jingle bells! Comfy red and green romper costume will keep your little one warm, happy and in the holiday spirit. Make merry!
Lil Reindeer Romper Costume
Oh Dancer and Prancer and Blitzen, say hello to the tiniest reindeer of all!Suit up your little onein this charming Lil Reindeer costume and create a new holiday tradition.Family pictures and lasting memories will be made with thiscomfy costume that's picture-perfect. It's beginning to look a lot…
Elf Kids Costume
Dress your child up as Santa's little helper in this adorable Elf child costume. The green and red tunic of this elf costume comes complete with a collar, pants, shoes, a tie belt and matching hat. You'll jingle all the way to a fun Holiday!
Tainted Fairy Makeup Kit
Make Up Tips Haunt the night as a messenger from the darkness with this Tainted Fairy makeup kit. With its palette of purple, black and silver, this kit complements any fallen angel, vampiress, or goth chick costume (all sold separately). The glitter tattoos and false eyelashes add the perfect final…
Holiday Fun Elf Adult Mens Costume
If Halloween isn't your favorite holiday, it's never too early to start celebrating Christmas! Prance around in festivity wearing this Holiday Fun Elf Adult Mens Costume complete with faux velor forest green jacket with white fuzzy collar and sleeves, red cutoff pants, black buckle belt, and jingle…
Christmas Elf Womens Plus Costume
They'll be green with envy at the sight of you in this festive Christmas Elf costume that lets you make merry in a big way. Sexy green dress has a jagged hem to highlight your great legs, even more attractive in the green and white striped thigh high stockings that will have him wanting to offer…
Santa Plush Hat
How do you know it's really Santa? Why, his plush red hat with thefurry white trim, of course! Convince even the Grinch that Santa Claus is coming to town with thisauthentic Santa hat. Great for Santa's helpers too!
Green Hairspray
Transform your look in seconds! Spray in and wash out. This great temporary hair color is perfect for a St. Patrick's Day costume, football costume, punk costume, or anything else that comes to mind! Don't forget matching Halloween accessories and Halloween makeup.


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- Game Info
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Mortal Kombat heads onto next-gen.
Latest Articles for Mortal Kombat X
Mortal Kombat X will see the return of an '-ality', but which one?
Babality, Brutality, Animality and more could be included.
Mortal Kombat X gameplay video features Kano
Ed Boon talks fans through Kano's character variations and play styles.
Mortal Kombat creator guides fans through Raiden's character variants & play styles
Take a look at Thunder God, Displacer and Storm Lord fighting styles.
Raiden confirmed for Mortal Kombat X
Thunder God becomes latest playable character as new trailer is revealed.
Mortal Kombat X: The stupidest game I've ever seen
We got up close and personal with the latest Mortal Kombat… and it's utterly ridiculous.
Related Topics
Mortal Kombat X Preview in Article Comments
All we know about the story is that Kotal Kahn is the new ruler of Outland and that the story mode takes place during his rise and fall from power. Sonya Blade/Cage and the Brutality are heavily...
Mortal Kombat X: Kano Gameplay Trailer in Article Comments
game looks Good really improoved graphics
Raiden confirmed for Mortal Kombat X in Article Comments
Thunder God becomes latest playable character as new trailer is revealed.


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The Confessions (Vintage Spiritual Classics)by Augustine
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"God is our home but many of us have strayed from our native land.
The venerable authors of these Spiritual Classics are expert guides--
may we follow their directions home." --Archbishop Desmond Tutu
Writing in the last years of the fourth century a.d., Saint Augustine of Hippo created what is at once the first true autobiography in Western literature and among the most sophisticated yet accessible theological arguments in the history of Christianity. With extraordinary candor and psychological acumen, Augustine recounts his passage from a life of sensuality, Manichaean superstition, and empty careerism to a genuine spiritual awakening, and he articulates views on marriage, morality, and faith that have shaped our discourse ever since. The Confessions allows us to appreciate both the startling modernity of Augustine's insights and the imperishable poetry of his voice. With a new Preface by MacArthur Fellow Patricia Hampl,
author of Virgin Time and A Romantic Education.
In the annals of spirituality, certain books stand out both for their historical importance and for their continued relevance. The Vintage Spiritual Classics series offers the greatest of these works in authoritative new editions, with specially commissioned essays by noted contemporary commentators. Filled with eloquence and fresh insight, encouragement and solace, Vintage Spiritual Classics are incomparable resources for all readers who seek a more substantive understanding of mankind's relation to the divine.
Writing in the last years of the fourth century A.D., St. Augustine of Hippo created what is at once the first true autobiography in Western literature and among the most sophisticated yet accessible theological arguments in the history of Christianity.
About the Author
Robin Lane Fox is Fellow of Magdalen College, Oxford, and the author of Pagans and Christians and Alexander the Great.
Philip Burton teaches at the School of Greek, Latin and Ancient History at the University of St. Andrews in Scotland.
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The jackpot for Wednesday's Powerball lottery drawing has grown to $500 million, reportedly the largest in Powerball history.
No one has won since Oct. 3. If you want to break that streak, here are some Emmaus Patch retailers that sell Pennsylvania Lottery products, including the $2 tickets for Powerball:
- Weis Markets
- Don's Food Market
- Emmaus Smoke Shop
- 7-Eleven
To find other Powerball vendors in the Lehigh Valley, plug an address or ZIP code into the Pennsylvania Lottery website's retailer-locator application.
The drawing takes place at 10:59 p.m. Wednesday. Ticket sales for that drawing end no later than 10 p.m.; check with your local retailer to find out its cutoff policy.


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Fooch's Note: Thanks to mountaindew77 for putting together this Madden simulation of the 49ers-Chargers matchup. It's not a pretty result so let's just hope it's not the most accurate heading into tomorrow night's matchup.
Hello Niner Nation, and welcome to another installment of the Madden "simulation." Before I say anything else, I want to let everyone know that I in no way, shape, or form believe these "simulations" to be any indication of what will happen in real life. Madden is a video game after all, and these posts are just for fun.
With that said, let's do this thing. The game is Madden NFL 11 on Xbox 360. I will simulate it with 14 minute quarters and 25 second play-clock run off to get the most realistic amount of plays possible. The game is set on All-Pro difficulty. I watch the game, provide a sort of play-by-play commentary for you folks reading.
1st Quarter-
The opening kickoff is taken by Ted Ginn to the 27 yard line where the first offensive drive for the Niners will start. On 1st down, Alex Smith drops back out of the I-Formation and tries to hit Crabtree in one-on-one coverage, but it is batted down by Quentin Jammer. On 2nd down the Niners come out in Shotgun, but it is a draw play to Westbrook who tries to break it out right but is brought down at the line of scrimmage. 3rd and 10. Again out of the Shotgun, Smith takes the snap, looks around and throws it deep for Crabtree again and... He's got it! A beautiful turnaround catch on the 41 yard completion and the 49ers are on the Chargers 32 yard line. On 1st and 10 the 49ers again stay in the Shotgun. Smith takes the snap, stands in the pocket for far too long, and tries to force a throw to Kyle Williams and it's picked off by Eric Weddle. So much for that.
The Chargers start their first drive on their own 32. On 1st down it's a play-action to Mike Tolbert... and Philip Rivers hits a wide open Antonio Gates out to the left who runs up the sideline for a 21 yard gain into San Francisco territory. The Chargers hand off on 1st down to Tolbert who meets Patrick Willis for the first time and gets a 2 yard gain. On 2nd down the Chargers come out in the Shotgun, but run a draw play. Tolbert is again met immediately by Willis, but he shakes him off. Luckily Franklin is right behind to stuff him for a loss of 3 though. 3rd and 11. Rivers drops back, sees Floyd open in the middle... Floyd catches it, but Reggie Smith hits him immediately and forces Floyd to drop it. Incomplete! The Chargers elect to punt from the SF 48. Ginn allows the punt to bounce and it's a touchback.
The 49ers start their second drive on 1st and 10 from their own 20. It's a handoff to Westbrook up the middle for 3 yards. Out of the Shotgun on 2nd down Smith hits Ginn on the slant route over the middle for an 8 yard gain and a 1st down. From their own 31, Smith drops back and tries to throw it up for Morgan down the left sideline, but he was hit and the ball was way overthrown. 2nd and 10. Norris motions to the right, and Westbrook gets the handoff for a gain of 2. 3rd and 8. Smith drops back, sees nothing that he likes and throws his infamous check down pass, but Williams catches it out of bounds. Andy Lee with a nice punt and Sproles returns it for 3 yards and the Chargers start on their own 21.
1st and 10. Rivers drops back, Lawson blitzes the right side and comes in untouched, forcing Rivers to check down to Gates for 2 yards. 2nd and 8. Rivers doesn't like what he sees and audibles... He drops back, has absolutely no pressure from the 3 man rush, hits Legedu Naanee out to the right who breaks a couple tackles and makes it out to the 35. 1st down. Tolbert hits a wide open hole and sees daylight. He is not touched until the Niners' 35 and makes it out to the 31 for a 34 yard run. Ugh. Rivers pitches out to Tolbert to the right, but is immediately brought down by Willis for a 1 yard loss. Sproles is subbed in at RB and gets the handoff, but again to no avail, as Parys Haralson brings him down for no gain. 3rd and 11 and we need a stop. Rivers takes the snap out of the Shotgun, tries to hit Gates on the out route, but Nate Clements has him blanketed and drops the easy pick! That would have been a pick 6. The kicking unit comes out and Nate Kaeding drills the 47 yard FG and makes the game 0-3 with 3:51 left in the first.
Ginn takes the return back to the 29.The Niners come out on 1st down in the Shotgun, 4WR set. Smith throws it out left to Ginn on the deep curl route for a nice 15 yard gain and a 49er 1st down. From their own 44, they run a screen play out to Westbrook who is dropped immediately for a 1 yard loss. Good call, poor execution. They come out on 2nd down in the Taser...? Westbrook takes the snap but gets nowhere and it's another 3 yard loss. Bad call, worse exectution. Smith drops back on 3rd down, has little time and tries to throw it while he's hit, but it's batted down. Worst set of downs ever. The Almighty Andy Lee boots another nice punt Sproles lets it bounce... and it takes a wonderful bounce and sits at the 5 yard line where Will James picks it up.
1st and 10 from their own 5. Rivers drops back, and hits a wide open Vincent Jackson over the middle for a 25 yard gain... So much for that punt. After looking at the replay, Jackson just made Spencer look silly at the line of scrimmage and that's how he got open. From their 30, they hand off to Tolbert who again has a gaping hole and isn't brought down until the Niners' 48. A 22 yard run. Rivers with the play action... gets no pressure from the 4 man rush, throws it deep to Floyd in one-on-one coverage. Reggie Smith doesn't even turn around, and by the time he does, Floyd has it for the touchdown. 3 plays, 95 yards, 1:14 drive. This could get ugly. 0-10 Chargers, and that will end the 1st quarter.
2nd Quarter
Ginn takes the kickoff to the 29. On 1st down, Norris motions right, Smith hands off to Westbrook who tries to cut up field but is stopped for a measly 1 yard gain. 2nd and 9. Smith escapes from pressure and throws it out to Ginn who is covered well and the ball is batted away. 3rd and 9. Out of the Shotgun, Smith takes the snap looks around and ... throws it away? He wasn't even pressured. This is heading south quickly. Andy Lee does his thing and Sproles gets a 2 yard return to the Chargers 27.
On 1st down, Rivers throws over the middle to Jackson for an 18 yard gain to the 45. Mike Tolbert breaks a tackle and fights his way to a 5 yard gain. 2nd and 5. Rivers throws it out to McMichael on the flat who catches it for a 6 yard gain and a 1st down, ball at the SF 45. It's a pitch out left to Tolbert, who absolutely bulldozes Takeo Spikes and then stumbles his way to a 10 yard gain and it's 2nd and inches. Tolbert up the gut again for another 8 yard gain and a 1st down. Can this guy be stopped?? Play-action to Sproles, Rivers steps up and Lawson nails him as he throws and the ball falls incomplete. 2nd and 10. Naanee with the slant across the middle and Rivers hits him and he gets stopped inches short of the 1st down at the 17. On 3rd and inches Lawson comes in untouched again, but Rivers just gets it out to Gates in the flat who makes a great over-the-shoulder catch for a 2 yard gain and another San Diego 1st down. Tolbert runs up the middle for another 9 yard gain. This tackling performance is horrendous. On 2nd and short Rivers drops back, but Patrick Willis comes in unscathed, and Rivers barely gets to throw the ball but it falls incomplete. That hit from Bam Bam was brutal though. On 3rd and 1 at the 6, Rivers drops back, hits a wide open Antonio Gates out right on the flat, and he walks in the touchdown... 0-17 Chargers.
Ginn gets to the 24 yard line on the return. Vernon Davis motions out left, Smith takes the snap, hits Davis out left... He takes a few steps and Antoine Cason strips Vernon Davis of the ball! Antwan Applewhite picks it up and returns it back to the SF 34. Even when they get a play right, it goes wrong.
1st down on the ensuing drive, Rivers takes it out of the Shotgun, feels pressure from his right, and misses his target, Tolbert. A rarity. 2nd and 10. Rivers out of the Shotgun. Has some time in the pocket, but can't find anyone. By the time he does attempt to throw it, Justin Smith has him and the ball falls incomplete. 3rd and 10. Rivers catches the snap with one hand, hits Sproles on the curl route in the middle, but Tarrell Brown knocks it out of his hands and it is the 3rd straight incompletion for Philip Rivers. Nate Kaeding and the FG unit come out for a long 51 yard field goal. It's a line drive and... it's good. 0-20 Chargers. The Niners better do something before half if they want any shot at this game.
Ginn gets the return out to the 25, where he gets drilled by Kevin Burnett. On 1st down the Niners get lined up, and a flag comes out. False start on Anthony Davis. Come on rookie you're not helping! 1st and 15 from the 20. Alex out of the Shotgun. It's a draw to Westbrook who finds a hole... and there's no one in front of him! HE! COULD! GO! ALL! THE WAY! TOUCHDOWN 49ERS!!!! But wait... there's a flag..... The official announces clipping on the offense. Only you Niners. Only you. It was a stupid penalty too because Westbrook was 7 yards ahead of everyone when Vernon tripped the guy up. Luckily the penalty only brings it back to midfield, but that still hurts. Out of the Gun, Smith has a nice wide pocket and hits Crabtree who makes a nice run after the catch for a 15 yard completion and a 49er 1st down. From the SD 35, it's another draw to Westbrook out of the Gun for a 7 yard gain. 2nd and 3. Out of the Singleback formation, Alex pitches out left to Westbrook, who tries to get outside, and gets a 2 yard gain and that brings up a big 3rd and inches. Dixon comes in on 3rd down and gets the handoff. He breaks through the line for the 1st down and then some as he fights his way for a nice 12 yard gain. That's Fooch's guy! The Niners hurry back to the line for some reason with 3:17 left in the half. They get in the Gun, Smith gets nice protection from his line again, and finds Moran Norris out left for a 12 yard gain to the 1 yard line. The Niners come out in the I-Formation with 2 TE's on the line. But it's a pass, as Smith tries to hit Ginn, but the ball is deflected by Antoine Cason. On 2nd down it's the same formation, but this time Anthony Dixon gets the handoff, runs over a defender, and is in for the touchdown!!! The Niners are on the board. 7-20 with 2:28 left in the half.
Sproles returns the ensuing kickoff to the 28. Rivers runs the draw to Tolbert on 1st down out of the gun, but Patrick Willis will have none of that and stuffs him for a 3 yard loss. 2nd and 13. Out of the Gun again, Rivers dumps it off to Tolbert who fights his way for 13 yards and a 1st down. They run the hurry up and get back to the line. Rivers stands for far too long in the pocket and gets hit from behind by Aubrayo Franklin on what looks like a fumble, but his arm was apparently going forward and it's incomplete. 2nd and 10. Out of the Shotgun, Rivers gets the snap. Tarrell Brown comes in on the corner blitz, and Rivers tries to get it out to an open Vincent Jackson... but Brown jumps and makes a nice deflection. 3rd and 10 from the 40. Rivers takes the snap, doesn't like what he sees and checks down to Jacob Hester who runs out of bounds for a 1 yard gain and stops the clock at 1:31 on 4th down. The Niners still have all of their timeouts. Scifres boots an awful punt off the side of his foot and the ball goes out at the 49er 37. We could be in business.
On 1st down, Smith takes the snap out of the shotgun, gets nice protection, and throws a deep ball... Ginn jumps up for the catch... and it gets batted out of his hands as he went up. It appears Alex took too long to throw it as it was nowhere near in-stride for Ginn. On 2nd down the 49ers stick with the spread. Smith feels the pressure from the right, gets it out to Ginn, but he has to come to his knees to catch it and is immediately touched for no gain. 3rd and 10. Out of the hurry up, Smith looks around, sees Crabtree in one-on-one coverage. He throws it up, Crabtree turns around and jumps... and he catches it! He was even able to hang on after Weddle collided with him in midair. What a beautiful play by Crabs and the Niners are down to the San Diego 34 yard line. Continuing out of the Shotgun, Smith hits Morgan out right on a short curl for a 5 yard gain. On 2nd and 5 Smith rolls out to the right, tries to force a pass into Crabtree and it's deflected by Quentin Jammer. A crucial 3rd down coming up. Vernon Davis motions to the left side. Smith has some time, has Morgan out to the right, but throws it way over his head in Alex Smith fashion. Jeff Reed comes out for the 46 yard FG. He nails it through the uprights and he is still perfect as a 49er. A somewhat disappointing end to a drive that could have potentially put the Niners one score out. 10-20 Chargers with :36 left in the half.
Sproles takes the kickoff back the the 27, and the Chargers will run out the clock and go into halftime with a 10 point lead.
Haltime Thoughts
Well this game was ugly right from the opening drive, with the offense starting off anemic, and the defense unable to stop Philip Rivers, Mike Tolbert, and the rest of the Chargers' offense. Things looked downright hopeless when the Niners went down 0-20 early, but they have since been fighting back, as the offense seems to have got some life. The defense will have to step up in the second half and the offense has to keep the momentum going if the 49ers want a chance to win this game. Back to myself in the booth.
3rd Quarter
The Chargers get the ball to start the second half and the rookie Seyi Ajirotutu takes the kickoff. He runs out right, sheds a tackler, and makes a nice return out to the 40, but there is a flag. Holding on the kicking team. Phew. The Chargers will instead start from their own 23. On 1st down the Chargers come out in the Shotgun, Rivers looks to pass, throws a bomb deep down the middle for Seyi Ajirotutu... and he makes the wide open catch for a 49 yard pass and San Diego is already at the SF 28. On the ensuing play Rivers looks to throw again, but Haralson hits him as he throws it and Spencer is able to jump out in front of Vincent Jackson and knock it away. On 2nd down San Diego commits a false start and it's 2nd and 15. Rivers drops back, hits Malcom Floyd on the short pass to the right and he runs for a gain of 11. 3rd and 4. Rivers drops back, tries to get It out to Antonio Gates on the curl, but Ray McDonald lowers a shoulder into the chest of Rivers and the ball falls way in front of Gates. 4th down. Kaeding nails the 39 yard field goal and it's 10-23 Chargers with 13:12 left in the 3rd.
Kyle Williams collects the return and takes it to the 26. On 1st down Delanie Walker motions right, Alex pitches it out left to Westbrook, who gets absolutely smashed by Kevin Burnett. 2nd and 11. Smith drops back, has Vernon on the crossing route, but he doesn't even turn his head and it's incomplete. 3rd down and this is not looking good. Out of the Gun, Smith has Morgan crossing the field... and he hits him for the 13 yard gain and a 49er first down! 1st down from the 38, San Francisco comes out in the Gun, Smith stands around for entirely too long, finally decides to throw it, but gets nailed as he throws. The hit causes an errant throw and it falls into Stephen Cooper's lap for the easy pick. To add insult to injury, Vernon Davis grabbed the facemask of Cooper on the tackle, and the Chargers have the ball at SF's 27.
Rivers drops back and hits Naanee over the middle for the easy completion and SD is at the 8 yard line and ready to put the game away. Tolbert gets the ball up the middle, makes a couple moves and easily scores the TD. The 2-point conversion failed however, and it's now 10-29 Chargers.
Williams returns the kickoff to the 26. The Niners elect to handoff on first down and Westbrook gains 6 yards. On 2nd down, it is yet another run, and Westbrook is stuffed by Phillips for a loss of one yard... They do know we're down by 19 points, right? The Niners come out in the Singleback, 4WR set, and Smith finds Ginn out to the right who fights his way for a 1st down. Ginn has got a lot of catches today it seems. Just 4, actually. A lot for him I suppose. On 1st and 10 from the 37, Dixon gets the handoff up the middle and gets stuffed by Burnett for a gain of 2. On 2nd and 8, Smith hands off to Dixon again on a draw, and he gains nothing... again. This play-calling is bass ackwards. 3rd and 8, and Smith connects with Josh Morgan over the middle, but he is only able to pick up 6 and it's 4th down. Andy Lee boots the punt out of the end zone.
1st and 10, and the Chargers are in the Gun. Rivers catches the snap, gets hit as he tries to throw, and the ball bounces off Vincent Jackson's head for the incompletion. On 2nd down, Vincent Jackson makes Spencer look silly yet again, getting wide open with no safety help, and Rivers connects with Jackson who sheds Spencer off, and has no one else to stop him. Touchdown Chargers on the 80 yard pass. That'll do 'er folks. Nothing to see here. 10-36 Chargers.
Ginn takes the kickoff and finally has a decent return, taking it to the 43. Little late there, Teddy. The 49ers officially give up and hand off the first 2 downs to Westbrook for a total of 9 yards. 3rd and 1. Smith with the play-action... Rolls right, sees a man downfield... But is unable to get the pass off as Phillips brings him down for the sack and a loss of 8. Worst. Playcalling. Ever. Andy Lee has the play of the game, as he is able to stick a punt literally inches from the goal line. MVP.
Jacob Hester gets the handoff on 1st down and easily picks up 5 yards. 2nd and 5 and Tolbert gets the run this time, picking up 4 yards leaving 3rd and inches. Tolbert will get the handoff again and picks up 6 yards and a first down. On 1st down with 4 seconds left in the quarter the Chargers elect to throw and Rivers connects with Randy McMichael for no gain. That will finish off the quarter.
4th Quarter
Tolbert runs for a gain of 2 on 2nd and 8. Rivers connects with a wide open Malcom Floyd for the easy 1st down. Philip Rivers is not yet done embarrassing the 49ers, as he hits Naanee for a 22 yard gain on 1st down. I sure do miss Norv Turner. From the SF 44, it is yet another throw, this time to Jacob Hester in the flat for an 11 yard gain and another first down. The Chargers run a play-action, and Rivers rolls out right. He stands around for what seems like 10 minutes and Patrick Willis finally gets pissed off and goes to hit him. Rivers is apparently blind and does not see Willis in his face and he gets punished. Incomplete pass. 2nd and 10. Another play-action, Rivers does some sort of dance in the pocket, and throws it incomplete. The Chargers finally elect to run and Sproles gets the carry. He gets 9 yards downfield and the ball is stripped. It is recovered at the bottom of a pile by Will James. Yippee.
Westbrook runs up the middle for 3 on 1st down. 2nd and 7 from the 28. Smith does some sort of QB keeper out of the Gun and gets blasted for a 2 yard loss. On 3rd and 10 Crabtree makes a nice sideline grab for a 1st down to the 36. Dixon gets the carry to the right, sheds a tackler for a 6 yard gain. Smith drops back on 2nd down, gets about 3 defenders in his face in a matter of 2 seconds and throws a desperation ball for Walker deep downfield. Quentin Jammer jumps in front of it for what should have been an easy pick, but it's incomplete. 3rd and 4 from the 41. Donald Strickland comes from the right on the corner blitz, and torches Alex Smith, driving him into the ground for the sack. The Niners will go for it on 4th and 14 from their own 32. Smith looks around, heaves up a ball deep downfield for Ginn. He jumps up... and grabs it. No one is able to bring him down and he scores on the 68 yard pass from Smith. Yippee. 17-36 Chargers with 8:43 remaining.
The Chargers start on their own 29. They run yet another play-action, Rivers throws it out to Hester who Clements wraps up quickly for a 1 yard loss. Out of the Shotgun (lol) it's a draw play to Tolbert for 3 yards. On 3rd and 8 Sproles gets a few nice blocks and picks up 15 yards and a 1st down with ease. Tolbert gets gains of 6 and 1 on the next 2 plays. 3rd and 3 on their own 48. Sproles picks up 2 yards and it's 4th and 1. The 49er fans in the crowd are still excited, anticipating a 19 point comeback with 3:28 left to play. Scifres kicks it out of bounds at the 49er 26. On 1st and 10, Smith drops back, sees nothing downfield, and runs for 11 yards and a 1st down. Smith gets sacked for a loss of 10 on the next play, and on 2nd down gets brought down for a 1 yard gain after attempting to run. On 3rd and 19 he connects with Ted Ginn for a 14 yard gain. On 4th and 5 Alex throws a desperation pass downfield, but it is knocked down. Turnover on downs.
Tolbert comes out on the ensuing drive with runs for 0, 3, and 6 yards as the Chargers expire the clock and put this one in the books.
Box Score
Old Spice Swagger Player of the Game - Philip Rivers, of course. He made the 49er secondary look silly.
49ers Chargers
286 Total Offense 534
61 Rushing Yards 160
225 Passing Yards 374
11 First Downs 17
3 Turnovers 1
6-14 3rd Down Conv. 5-13
QB Philip Rivers - 21/35 60% 374 YDS 3 TD 0 INT 125.1 QB RATING
QB Alex Smith - 16/31 51% 257 YDS 1 TD 2 INT 63.5 QB RATING
HB Mike Tolbert - 21 ATT 127 YDS 6.0 YPC
HB Brian Westbrook - 13 ATT 29 YDS 2.2 YPC HB Anthony Dixon - 5 ATT 20 YDS 1 TD
WR Vincent Jackson - 3 REC 124 YDS 1 TD
WR Malcom Floyd - 3 REC 74 YDS 1 TD
WR Ted Ginn Jr. - 6 REC 111 YDS 1 TD
WR Michael Crabtree - 4 REC 97 YDS
LB Patrick Willis - 8 TKL 3 TFL
LB Stephen Cooper - 5 TKL 1 SACK 1 INT
Post-Game Thoughts
As I mentioned at halftime, if the Niners couldn't somehow find a way to stop Philip Rivers, there was no chance. Rivers had his way with the 49ers' secondary and Mike Tolbert made the usually stout 49er run defense look silly. At least this was just Madden. Let's hope for much better results on Thursday.
Go Niners!


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Home » Opinion » Columns
Jonah Goldberg: Is there more than madness to Obama's methods?
Where to begin? Perhaps with Obama's initial refusal to support the moderate rebels seeking to overthrow Syrian dictator Bashar al-Assad, a puppet of Iran and bagman for Hezbollah. Or we might start with Obama's refusal to support the Green Movement in Iran, which sought to overthrow the Iranian regime, which would have been a triumph for both our principles and national interests.
Obama doesn't believe he needs authorization from Congress to strike Syria, he just wants it. He's like a kid desperate for a prom date, but too vain to admit it.
As even Nancy Pelosi's own grandkid now knows, we mustn't call it a war. "The President is not asking you to go to war," Secretary of State John Kerry told Congress. He's merely asking them to authorize a sustained cruise missile attack on military installations to "degrade" the regime's "capabilities."
In Stockholm on Wednesday, the President said that the credibility of the world, America, Congress and the international community is on the line. Everybody is on the hook for his red line, except for the one person who actually drew it.
Jonah Goldberg is an editor-at-large of National Review Online and a visiting fellow at the American Enterprise Institute. You can write to him by email at firstname.lastname@example.com.
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Dance/USA Presents 2014 Dance Forum, 1/10
When: January 10, 2014, 9am - Noon
Where: New York Hilton Midtown, 1335 Avenue of the Americas at 54th St., NY, NY 10019
Cost: FREE, APAP Registration is not required
On Friday, from 9am - Noon, Dance/USA, is pleased to announce the 2014 Dance Forum.
At this FREE convening, Dance/USA will examine the ACA and how it impacts dancemakers based across the country, with sessions led by experts in policy, health insurance, and dance. Additionally, the Dance Forum will include Dance/USA updates for the year ahead and serve as a valuable networking time for the dance field.
The Forum will feature four expert speakers: Sarah Dash, The Center on Health Insurance Reform, Georgetown University Health Policy Institute; Eric Rettig, Small Business Majority; and Renata Marinaro, The Actors Fund; and Brandon Gryde, Dance/USA and OPERA America. Read more about the expert speakers here.
The main program will consist of two parts. Part I will be dedicated to an overview of the ACA
led by Dash, including a discussion of the ACA's implications on the dance field, and general implementation timelines and details. The second half of the morning will allow for in-depth conversations for small organizations, led by Rettig, and another session for independent artists, led by Marinaro. The morning will provide relevant information to dancemakers based across the country. There will be a Q&A session at the conclusion of the ACA overview as well as at the end of each breakout session.
Videos of the sessions will be posted on the Dance/USA website following the Dance Forum.
Dance Enrollment Days
When: January 13-14, 2014, 10am - 5pm.
Dance/USA is proud to partner with Dance/NYC and the Actors Fund to offer Dance Enrollment Days in conjunction with the 2014 Dance Forum. New York based artists will have the opportunity to enroll in the New York state exchange, New York State of Health. Three locations will be available for enrollment consultations:
160 Schermerhorn Street (Between Smith & Hoyt Street) Brooklyn, NY Al Hirschfeld Free Health Clinic, 475 West 57thStreet (57thSt and 10thAve) New York, NY 729 Seventh Avenue, 10th floor (Between 48thand 49thStreets) New York, NY
The Actors Fund recommends that artists begin the enrollment process prior to any consultation during Dance Enrollment Days. Read more about Dance Enrollment Days here including a list of information artists need to bring to their consultation.
About Author
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Estimate: $30,000 - $40,000
This beautifully restored 1935 Ford pickup shows the somewhat fuller dimensions that were beginning to develop in Dearborn's car and truck models of the era. The well-dressed Maroon pickup's flathead V-8, 3-speed transmission and 2-speed rear end gave it great flexibility at work, while dual exhaust, dual chrome horns and mirrors, bright hubcaps and trim rings and wide Whitewalls confer a touch of sportiness.
- Beautiful frame-off restoration
- Flathead V-8 engine
- 3-speed standard transmission
- 2-speed differential
- Dual exhaust
- Dual chrome horns
- Dual outside mirrors
- Maroon painted wire wheels
- Trim rings and hubcaps
- Wide whitewall tires
- Maroon with Black interior


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Driveway lined with Bradford Pears in Pawnee County Oklahoma.
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Pearl Ring is a flyover, connecting the shopping mall and the office tower, and will be finished in the end of April.


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Sometimes when I'm shopping for toilet paper, I'm tempted into thinking the stuff is made from sliver instead of trees. It is so pricey!
In the past, I always bought my toilet paper at Walmart and my local grocery store. I looked for the cheapest stuff on the shelf and hoped I was getting a decent deal.
It had never crossed my mind to buy TP at an office supply store. Then I figured it out. Now I spend as little as pennies a roll:
- Enroll in the Staples Rewards program and get 5 percent off everything you purchase. You'll shave a few sheets off the toilet paper bill and save on ink cartridges and paper (with coupons).
- Speaking of ink cartridges, don't toss them! Take them to Staples and earn $2.00 in rewards for each one you recycle (up to 10 per month). If you print a lot of coupons, those ink cartridge recycling rewards will add up. It's like exchanging a used ink cartridge for a $2.00 coupon for your toilet paper—and you're not limited to one per purchase.
- Wait for a sale. Every 4 to 6 weeks, Staples offers Charmin Basic 16 double roll packs for $5.00–$6.00. These regularly cost $10.00. It may not be the best toilet paper on the market, but it works. Anything more expensive and it's like flushing money down the toilet (Lame joke alert).
- Use a coupon. Every month in the P&G coupon insert there's typically a coupon for a Charmin product. Lately, it's just been $0.25 off of one. "Like" the Charmin Facebook page for coupon promotions. A few weeks ago I was able to snag a coupon for $1.00 off one Charmin Basic product. Also, keep an eye out in magazines, and be sure to sign up for all the P&G samples and mailers as they almost always come with good Charmin coupons.
Now, put your Staples Rewards 5 percent discount, ink cartridge recycling rewards, sale price, and coupon together to get an excellent deal on toilet paper.
Here is what my last transaction looked like a few weeks ago:
- $12.00 for two packs of Charmin Basic 16 double roll (32 regular rolls)
- $0.60 Staples Rewards 5 percent discount
- $2.00 for two $1/1 Charmin coupons
- $8.00 for four Ink Cartridge Recycling rewards
Total: $1.40
That is less than a nickel for each regular roll and only $1.40 for two packs that would regularly cost $20.00. I don't know about you, but that is almost as good as free to me! By the time I need more tissue, I usually have accumulated a decent amount of ink cartridge rewards and the toilet paper will go on sale again. Now, I never have to cringe while paying $5.00 or more for 12 rolls of store brand toilet paper.
This has been a guest post by Jennifer from Pelzer, SC
Find out more about the KCL Contributor Network
Leave a Reply
24 thoughts on "Roll Up Savings: How to Save on Bathroom Tissue"
I liked your comment about toilet tissue; too bad we do not have Staples in our town; but I buy my toilet tissue at the Dollar General stores, I wait until they give me a coupon for $5. off for a $25 purchase; then I take 5-$1. coupons for 12 rolls of Extra Soft toilet tissue, I buy 5 packs of 12 for $15. with tax $16.40. It is better to pay $3. than $5. and I like Scott tissue. I, some times get Scott paper towels also.
I have been doing coupons for years. And have been reading KCL. But you guys have put in MQ's. What is a MQ???
Manufacturers coupon
So glad I have a 1-2 year supply of tp. The new puppy has discovered how much fun it is to play with when he's in time out in the bathroom
PS – normally, you can recycle up to 10 ink cartridges per month… (oops sorry – you already mentioned that…) =)
Hey Jennifer! I use my ink recycling rewards to get hand soap from Staples for free….their "Lucky" brand is $1 for a big bottle, and I always stock up when I get my rewards each month…I'm glad I'm not the only one who uses Staples for something other than office supplies! =) Great article BTW!
The nearest Staples is an hour from me
Now that's a BUMMER!! They have great deals on many things. Glad I only have to drive about 10 miles to my closest Staples.
I use a lot of HP cartridges on my work computer. I've been saving them and now I'm going to use them! I've really been struggling with a low stock pile of TP and paper towels. Looks like I'll be shopping at Staples!
I like charmin strong. Looking for what is a stock up and stockpile price for that
Thanks so much for sharing! I have been doing this for almost a year now and you're right, Charmin Basic may not be the best tp, but it certainly is not the worst. Also, look for sales on Bounty Paper Towels that you can also get for cheap or even free. When I have a good supply of tp, I use 2 months worth of Staples Rewards that is usally $40.00 and buy ink cartridges. I hate paying money for tp and ink!
this is so true…i have been buying Lysol (3pack/tall cans) from our Lowe's Hardware store for only $5.40 plus they take MQ's!!!! This is how much you would pay for one can in most stores….also Mr. Clean products are marked down frequently as well as 3pk of Lysol wipes for just $2!!!!!!!!
Great article! Thanks for sharing.
WoW! Definitely going to give this a try, thanx for the tip!
How is it on the extreme couponing show on tv they always get coupons for tp that are for free ($9.99 or the price of the tp)? Just wondering cause I can never find these anywhere.
Kelly, there were some big issues with the authenticity of such coupons. I believe the one episode where they used Quilted Northern coupons was completely off because those coupons were fraudulent. In my experience, I have never seen such mega cents off coupons or coupons for free products (unless you had a complaint about one of them and they replaced it for you). I wouldn't give that show too much thought.
You are rught… And not only with TP but with sodas and other products… I mean, seriously, the TP and PT Qs are for $0.25 lately!!! If you are lucky it can be $1.00 off… I don't like how that program misleads people…
Great info, I have 2 empty cartridges already. Will be trying this, thanks!!!
Wow that's amazing.. So if I turn in 4 ink cartridge, I can get 8.00 in rewards I can use towards the toilet paper as a coupon and stack it with a manuf? Do they accept all kinds of ink or is it just ones that they carry? cause I have a kodak printer .. This sounds too good to be true tho! Thanks for the info!
You can use any ink cartridges, however – IF you use hp ink, you can often get up to $6 per cartridge back when staples advertises it in their flier. That's when it's best to hold on to your cartridges until that kind of deal comes around. I have Lexmark ink (boo), but it's still nice to get that money off to put towards other things. dh and I do the tp deals too!!
Presently they accept ALL cartridges.
I think I will do this. Thanks for sharing.
What a great idea! Thanks for sharing!
Thanks for the info!


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They are going ahead with a Justice League movie
View Single Post
September 25 2012, 06:03 AM
Nerys Myk
Fleet Admiral
Location: House of Kang, now with ridges
Re: They are going ahead with a Justice League movie
Professor Zoom wrote:
CorporalCaptain wrote:
Point taken, but I thought Batman's intellect and detective abilities were something like superpowers, just because he's that far out on the bell curve. Plus,
he has great martial arts skills
, not to mention his disguises and equipment.
Whoopdeedo. Next to Superman, Wonder Woman, Aquaman, The Flash, Green Lantern and Martian Manhunter, I'm sorry, martial arts mean nothing. All of them could kick his ass... The Flash before Batman was aware of it. Hell, most of them could just toss him into orbit.
Unless, of course, he had a chance to prepare.
This is why he keeps a flammable chunk of yellow kryptonite in his utility belt.
The boring one, the one with Khan, the one where Spock returns, the one with whales, the dumb one, the last one, the one with Kirk, the one with the Borg, the stupid one, the bad one, the new one, the other one with Khan.
Nerys Myk
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KYoung43 Wrote:
Mar 20, 2013 9:44 AM
The minimum wage should not be $22 an hour today because Elizabeth Warren, that lying piece of WHITE trash, is pulling the numbers out of her nose. The liberal professor she's questioning is also pulling the numbers out of HIS nose. Progressives will say anything to prove their (false) point. No business is in business to offer charity to workers by paying them huge sums per hour when they know NOTHING. Minimum wage is for inexperienced workers to learn how to keep a job--NOT training them to DO the job. Most jobs are lost because people are late often, slack off while on the clock, are dishonest, cannot work well with others and/or do not take direction well. A lack of PEOPLE skills is why people are let go.


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An East Texas firefighter is in a hospital Monday night after being in a head-on collision on the way to a call.
Texarkana Fire Department Battalion Chief Mike Norwood was driving his department-issued SUV in the 4700 block of Summerhill Road in Texarkana when he was struck by another vehicle, authorities said.
The wreck happened about 8:30 p.m., just 2 miles away from the scene of a house fire on Larry Drive, where Norwood, 42, was headed.
Reports indicate that the other vehicle, a white Lincoln Town Car, driven by James Collins, 32 of Texarkana, AR, was heading in the wrong direction at the time of the crash.
Police said Norwood had his Ford Explorer's emergency lights on when the wreck happened. Both drivers were rushed to CHRISTUS St. Michael's hospital and their conditions are unknown at this time.
The crash remains under investigation.
Be sure to stay with KSLA News 12 for updates as we learn more.
Copyright 2014 KSLA. All rights reserved.
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Translation fieldsHome » Translation » Translation fields
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Advanced cultural knowledge is necessary to translate tourism documents. For this reason, we systematically assign your translations to translators who are highly specialized in tourism. Their expertise and experience in this field is a safeguard against the inherent pitfalls in this type of translation.Read more
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IT translation and translation localization require advanced linguistic skills and knowledge of the field being covered.Read more
Legal translation
To translate a legal document, it is necessary to grasp the underlying meaning of a text written in a given language, in reference to a given legal system, and to render it in a foreign language in a way that can be understood by a reader who reasons according to a different legal system.Read more
Finance and economy translation
Economic and financial translation covers a rather wide field that ranges from stock market analysis to business communication, fixed income research, economic surveys and accounting.Read more
Technical and scientific translation
For scientific translation, vigilance in keeping with the technical nature of the project is a must. The quality of the final result depends on the translator's qualifications, and on the methodology used.Read more
Marketing and advertising translation
The rise in international advertising campaigns has put the translator on the front line and made possible what can be called the "advertising translation" boom.Read more
Website translation
Website translation is a crucial step for any organisation that wants to extend its market and reach foreign customers. Successful website internationalisation depends to a large extent on translation quality.Read more
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Beowulf: Tolkien's translation comes out 88 years later...
Putin on TF1: the French interview that sparked outrage...
The English translation of Joël Dicker's book on the verge of glory


text:
Dr. Susan "If John Edward Can Do It, Then So Can I" Lewis sits stiffly on her usual bench in the 55th Precinct. She'll miss that bench when she crosses back over to ER and has to stand around sobbing for a dead bald man with strange lips. Bosco and Yokas enter, prodding a passel of arrestees so that they'll march right on into the interrogation room, or wherever they put dirty, shifty extras who got paid decent money to shuffle around and let their pupils dilate. "Move faster, or I'll put my foot up your ass," growls Bosco. He manhandles a dude who'd dropped down next to Susan, throwing him in the correct direction. Susan peers warily up at Bosco. He meets her eye. "What?" he asks, defensive. "Any sign of my niece?" she asks nervously, Suzy's stuffed toy sitting next to her on the bench. Bosco shakes his head, allowing her a glimpse of his actual regret at this fact, and then leaves. Susan looks put-off. The credits pounce on this and roll with abandon.
A big lug of an officer named John "Oafish Protector With a Heart of Gold" Sullivan rolls awake to the sound of shattering porcelain. Grabbing his gun from the bedside table, he vows to teach that no-good stinking toilet a lesson. But when he inches out of the bedroom, a female voice calls out an apology. Sully enters the kitchen in shock and discovers the familiar face of Tatiana, his Ukranian bride, who'd fled his life when a crime lord from her country started getting all up in her shit. "I break a dish," she says pleasantly. "I want to surprise you. I was making eggs." Tatiana, for all you ER fans out there, reminds me of a slightly less edgy Randi. She's young and pretty. Sully gapes at her. "I miss you so much," she offers sweetly with a smile. Sully still can't think of anything to say. He looks as if he's searching his mind for the right words, or perhaps asking himself the universal question that so often plagues us all in times of confusion: What Would Cliff Huxtable Do?
Apparently, Cliff Huxtable would cut away to a new scene and throw on a Barenaked Ladies CD. Jimmy "Scorching Hot Hottie With A Heart of Gold" Whatever (Eddie Cibrian, of The Young and the Restless, Sunset Beach, and But I'm a Cheerleader ["and the boy band 3Deep" -- Wing Chun]) plays the song "If I Had a Million Dollars" while he activates the toaster. His son Joey roots around under the bed and finds treasure. I can't actually tell what it is -- it looks metallic and sharp, and I'm hoping it's not a knife because I don't want Jimmy to fail at fatherhood here, since he's going to be fathering a few of my children soon. When the Pop-Tarts bolt out of the toaster, as steaming hot as Jimmy himself, Joey drops whatever he picked up and wriggles out from under the bed so his father can toss him a tart. Ha ha. I said "tart." And I meant it. Cut to a cute scene in which father and son brush their teeth together and sing along, off-key, with the song. Then Joey helps Jimmy find his socks, and finally Jimmy stands and surverys the messy wreck that is his apartment. "Guess what we're doing tonight?" he grins. "Look at that -- we're cleaning this house." Joey cheerfully suggests getting a maid. "What, you think I've got a million dollars?" grins Jimmy. Aw. Cheesy, but cute. They leave together.


text: Tower Group, Inc. Announces Earnings Release and Conference Call Dates for Second Quarter Financial Results July 15, 2011 03:03 PM Eastern Daylight Time NEW YORK--(EON: Enhanced Online News)--Tower Group, Inc. (Nasdaq: TWGP), announced today that it plans to release its second quarter 2011 financial results on Monday, August 8, 2011, after the market close. Tower will also host a conference call and webcast to discuss these results on Tuesday, August 9, 2011, at 9:00 a.m. ET. Michael Lee, President and Chief Executive Officer, and Bill Hitselberger, Executive Vice President and Chief Financial Officer, will lead the conference call. This conference call will be broadcast live over the Internet. To access the listen-only webcast, please visit the Investor Information section of The Tower Group, Inc. website, www.twrgrp.com, or use this link: http://investor.twrgrp.com/events.cfm Please access the website at least 15 minutes prior to the call to register and to download any necessary audio software. If you are unable to participate during the live conference call, you will be able to listen to a webcast, which will be archived in the Investor Information section of The Tower Group, Inc. website at www.twrgrp.com. About Tower Group, Inc. Tower Group, Inc. offers diversified property and casualty insurance products and services through its operating subsidiaries. Its insurance company subsidiaries offer insurance products to individuals and small to medium-sized businesses through its network of retail and wholesale agents and specialty business through program underwriting agents. Tower's insurance services subsidiaries provide underwriting, claims and reinsurance brokerage services to other insurance companies. For more information, visit Tower's website at http://www.twrgrp.com/ Contacts Tower Group, Inc. Bill Hitselberger Executive Vice President and Chief Financial Officer 212-655-2110 email@example.com


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