text:
Palestinian official: Israel imperils Gaza cease-fire if it ignores talks
Girl lightly injured after rocks thrown at bus in Jerusalem
Ireland demands review of UN Golan Heights mandate
Final Gaza war casualty laid to rest
Netanyahu focuses on threats, as Kerry and Livni looking to re-start talks
Netanyahu ally says government failed to properly explain Gaza operation to public
Tibi bill seeks to give Israeli Arabs official national minority status
Israel's opposition rails against 'cruel' budget cuts which 'harm the poor'
Ministers to discuss large budget cuts following Operation Protective Edge
Israel squad reassembles for short camp
Eventful day at the office for Mac TA's Pako
Israel soccer coach Gutman names national squad for Shefayim camp
Yellow-and-blue sent packing from Europe
Energy, Economy ministries issue grants to convert 16 factories to gas
Peres Center director Sharir to head Science, Tech Ministry
*Putting their heads together*
Apple co-founder Steve Wozniak in Israel for 2014 EduAction Forum
Analysis: Talansky retrial could seal Olmert's fate on Holyland appeal
Raising a glass to Israeli wines in Jerusalem
Orlando Cinemas chain to open new theater in Jerusalem
Netanyahu hints he will agree to convene regional peace conference, Lapid says
Lapid slams West Bank land appropriation: Why anger US and world?
EU threatens Israel with total ban of poultry unless it marks products from settlements
Riot in east Jerusalem mars first day of school
Birthright alumni more supportive of Gaza op than general population
Thousands in Britain rally against rise in anti-Semitism
Report: Joan Rivers being brought out of induced coma, family to sue doctors
Displaced Jews in Ukraine are once again in harms way
French authorities arrest Muslim girls planning attack on synagogue
Syrian rebels demand ransom, removal from terror list in order to free captive Fiji troops
Fighting breaks out along Syrian border, with captured Fiji troops nearby
Iranian FM hopeful to reach nuclear agreement within 3 months
Turkey's new premier says 'no hope' of normalizing ties with Israel unless Gaza blockade lifted
PA chief Abbas: Hamas leader Mashaal is a liar
Israel's energy horizon
Architect of the Cold War
Borderline Views: Pyrrhic victories
No holds barred: 'The New York Times' censors our anti-ISIS ad
This is not David Harris' sermon
Hamas vs humous: What's the difference?
Teaching Israelis some finesse
Marking the end of 'youthful obnoxiousness'
The essential, ongoing role of the bar/bat mitzva
A song for ELUL: 'The song of the land
סִדְרַת סְטֶנְד-אַפְּ חֲדָשָה: קוֹמֶדִי בִּיט
גִיבּוֹרֵי יִשְׂרָאֵל מְקַבְּלֵי עִיטוּר הַגְבוּרָה
גֶ'אז בְּעִבְרִית
Grapevine: Leket Israel HQ suffers fire, but work continues
Not your average museum
Huge culture festival to be held in Afula for first time
Wading through widowhood: You don't have to be Jewish
A subversive movie
In pursuit of justice
Budapest falsifies history
Restless in Zaatari
From tragedy to charity
Shabbat planet
This week in Jerusalem: Peggy Cidor's round-up of city affairs
Rolling through summer
Starting the countdown to the next Gaza war
Facing chaotic instabilities
Iran's golden summer
Can Hamas be deterred?
When 'Romeo and Juliet' are Reuven and Jamila
Hitting the books
The king of impersonators
Women who run… and bike...and swim
Gossip is a form of trespass
WATCH: Lady Gaga greets fans in Israel before Tel Aviv show
Jon Stewart: I am not anti-Israel
Surfing in more ways than one
Mazel Tov on your wedding Angelina Jolie and Brad Pitt!
Israël a perdu la guerre du web
De parking en hôpital d'urgence : la métamorphose
Meshaal : une élimination ratée
Faut-il tuer les leaders du Hamas ?
Revisiter le sionisme
Préserver l'héritage des Juifs de Tunisie
Ton peuple sera mon peuple
Pessah, de la première à la dernière délivrance
Les ,ésaventures de Sainsbury
Crispation de l'allié allemand
La paix, version palestinienne
David Azrieli, 1922-2014
Dimanche 13 juillet
Deux familles, une histoire
Il était une fois en Israël
Sale temps sur les routes israéliennes
« Ma petite fille ne parle toujours pas »
Avoir un fils autiste en Israël
Under Hamas Fire, KKL-JNF Paves a Security Road for Kibbutz Sufa
Canada-Israel Solidarity Rally in Jerusalem
Respite Activities for Families on the Gaza Border
JNF USA Solidarity Mission Visits Southern Israel
Children from Moshav Tekuma Take a Break from the Rockets
IDF Soldiers Volunteer in Carmel Forest
New Single Tracks for Cyclists in the Western Galilee
Returning to the Well of Ziklag and ANZAC
KKL-JNF and Fair Planet in Ethiopia–Seeds of Hope
KKL-JNF at United Nations Committee of Forestry Conference
Argentine Province of Misiones Minister for Agriculture Visits the Negev with KKL-JNF
Nice-Netanya Scientific Seminar 'Mare Nostrum: A Vision for Tomorrow'
Nevatim Celebrates 60 Years and Dedicates a New Reservoir
Mexican Parliamentarians Visit the Biofilter for Urban Runoff in Kfar Saba
Agriculture and Nature Coexist at the Galilee's Eilon Reservoir
European Leadership Conference 2014 - Brussels, Belgium
The KKL-JNF Europe Young Leadership Conference
KKL-JNF Office Opens in New Zealand
KKL-JNF Leaders at ELC meet with the EU Parliament
Addressing Climate Change Conference
Nurturing the Foresters of the Future
Saving the Sabras
Ma'alot 360 Scholarship Recipients from Australia Tour Israel
02.09.2014 | 7 Elul ,5774
Rioting resumes throughout east Jerusalem Saturday night
MK calls to ban Secret smartphone application
Confirmed: Body of Aaron Sofer found in Jerusalem Forest
US: Israeli police harassing another Abu Khdeir cousin
With another yeshiva student arrested, haredi 'draft dodgers' could soon number in hundreds
Missing American's parents meet with Jerusalem police chief
Ayala Hasson, first woman to head Channel One News Division
Bar-Lev: Allow siblings' names on IDF headstones
Sa'ar denies presidential deal with haredim
Police heighten security ahead of haredi protest in capital
Analysis: US tries policy of 'shame' to stem Chinese cyber-hacking
Abu Khdeir murder suspect recounts grisly killing
National News
18/10/2012 22:05
Thousands of Beduin protest Negev town demolitions
Beduin take part in protest in Beersheba 521.
(photo credit:Reuters)
Beduin soldiers who will soon be serving on the front lines as trackers
completed their basic training phase with a grueling five-hour march on
Thursday.Signicant numbers of Beduin youths continue to join the IDF,
where many put the age-old Beduin knowledge of maneuvering land on foot – gained
through a rich history of nomadic movements – in the service of Israel's
national security.Pvt. Kasem Juamis, of the Western Galillee village of
Zarzir, was one of the soldiers who completed the monthand- a-half basic
training this week, and was cited by his commanders for being the most
outstanding recruit."From here, we will go on to 3.5 months of advanced
training. Eventually, we will be spread out and join IDF forces on all the
borders to search for infiltrators," Juamis told The Jerusalem Post last
week."We search for footprints, and then follow tracks until we catch up
with infiltrators," he added."I enjoy being in the field," he said. "We
Beduin know the territory well."Juamis said other youths from his
village have joined a variety of units in the security forces, including the
IDF's Nahal and Golani Brigades, and the Border Police.He expressed
pride over his citation, adding that his family joined him at the ceremony
marking the completion of basic training."What makes the Tracking Unit
such a quality force is the fact that its soldiers are exempt from conscription,
but choose to join anyway, on behalf of the State of Israel," said Lt.-Col.
Zohir Falah, commander of the IDF Tracking School."The trackers undergo
professional training that helps them deal with every incident in the best way,
and to provide the fastest response." The trackers have prevented many terrorist
infiltration attempts in the past."There are attempts to cross into
Israel every day," Juamis said. "I feel we will be ready to stop them."
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There is a FLOOD sale on at the moment you might want to have aquick look.Big savings on certain stuff eg chains.cassettes, mechs, shifters.
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June 17th, 2014
Steal: Selena Gomez's Studio City Topshop Blue Short Sleeved Ribbed Knit Top and MOTO Ripped Mottle Leigh Jeans
Selena Gomez was spotted at the mall in Studio City in a $35 Topshop Blue Short Sleeved Ribbed Knit Top and $65 MOTO Ripped Mottle Leigh Jeans:
She completed her look with nude pumps and a Versace Straw Palazzo Bag from the brand's Spring 2014 collection.
Her baby blue knit top features short sleeves and a cropped silhouette.
Her bleached jeans showcase a skinny cut, mid-rise, ankle-grazing length, and a five-pocket silhouette.
A colorful or even metallic bag would've been less heavy here, but this look was great for a bit of an uplift on Spring casual.
Get Selena's top and jeans for a steal here and here.
4 Responses to "Steal: Selena Gomez's Studio City Topshop Blue Short Sleeved Ribbed Knit Top and MOTO Ripped Mottle Leigh Jeans"
Are her shoes jimmy choo?
Love the whole look
I need those jeans
What sunglasses are those?
Leave a Reply
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Independent Reviewing Officers (IROs)
IROs are experienced senior managers employed by the local authority. We work separately from social workers and all other professionals that looked-after children and their families have contact with.
We have a legal responsibility to make sure that the local authority is doing everything possible to meet the looked-after child or young person's needs. This includes making sure realistic plans are in place for the child's future.
What we do
- Make sure looked-after children contribute to and have a copy of their "Care Plan".
- Make sure people involved with the child do what they say they will do without delay.
- Keep in touch with looked-after children in between reviews where appropriate.
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Contact Details
Independent Reviewing Officers
The Safeguarding and Review Service
Moulsecoomb Hub South
Hodshrove Lane
Brighton, BN2 4SE
IRO Service main number: 01273 295973
E-mail: email@example.com
More Information
- Reviews - A Guide for Parents (MS Word 31kb)
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New Haven, Mystic, and the Coast Sights
Yale University
Yale University Review
New Haven as a manufacturing center dates from the 19th century, but the city owes its fame to merchant Elihu Yale. In 1718 Yale's contributions enabled the Collegiate School, founded in 1701 at Saybrook, to settle in New Haven, where it changed its name to Yale University. This is one of the nation's great universities, and its campus holds some handsome neo-Gothic buildings and noteworthy museums. The university's guides conduct one-hour walking tours that include Connecticut Hall in the Old Campus, which has had a number of illustrious past residents.
- Address: Yale Visitor Center, 149 Elm St., New Haven, CT, 06510 | Map It
- Phone: 203/432–2300
- Cost: Free
- Hours: Tours weekdays at 10:30 and 2, weekends at 1:30
- Website: www.yale.edu/visitor
- Location: New Haven
Contact Information
Fodorite Reviews
Be the first to review this property
View deals in New Haven, Mystic, and the Coast for vacation packages, hotels, airfare, and more from our partners!More


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Rep. Barney Frank will announce later today he will not seek a 17th term in Congress next year, his office said in a statement this morning. Frank will make his announcement at the Newton City Hall this afternoon.
(PICTURES: Who's Leaving the House?)
The Massachusetts Democrat, first elected in 1980, serves as the ranking Democrat on the House Financial Services Committee. During a four-year stint as chairman of the panel, he helped shepherd the Dodd-Frank overhaul of the nation's financial regulations.
He won a closer-than-expected re-election bid in 2010, taking 53 percent of the vote, his lowest total since first winning his Newton- and Tauton-based district in 1980.
Don't Miss Today's Top Stories
Chock full of usable information on today's issues."
Michael, Executive Director
Concise coverage of everything I wish I had hours to read about."
Chuck, Graduate Student
The day's action in one quick read."
Stacy, Director of Communications
Great way to keep up with Washington"
Ray, Professor of Economics


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Tag Archives: Bro setta stone
We're taking a departure from our first two editions and are proud to bring you a Las Vegas themed Bro-setta Stone. This past weekend was
A few weeks ago, I provided some common female-to-male translations, which I dubbed Bro-setta Stone. Based upon the mixture of both positive


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Taking the career of Danish physicist-philosopher Hans Christian Orsted as an organizing theme, this book reveals perspectives on the intellectual map of Europe in the age of revolution and romanticism. more...


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Kelly Clarkson, Bruno Mars Set to Perform on The Voice Finale
By mj On 12/12/2012 · 15 Comments · In Kelly Clarkson, The Voice
Kelly Clarkson, Bruno Mars, Rihanna and The Killers are set to perform on next Tuesday's The Voice finale.
Read the press release below:
NBC BOLSTERS SEASON FINALE OF 'The Voice' WITH PERFORMANCES BY MARQUEE STARS RIHANNA, KELLY CLARKSON, BRUNO MARS AND THE KILLERS
New Season Champion Also Will Be Crowned in Live, Two-hour Show on December 18
UNIVERSAL CITY, Calif. – December 12, 2012 – NBC announced a star-powered marquee of guest stars for the live, two-hour finale for its third cycle on Tuesday, December 18 (8-10 p.m. ET) with Rihanna, Kelly Clarkson, Bruno Mars and The Killers set to perform. The finale that night will conclude when a new champion is crowned.
In addition, "The Voice" season finale will have other surprise guest performers to be announced later.
The series' musician coaches are Christina Aguilera, CeeLo Green, Adam Levine and Blake Shelton
Rihanna will sing her hit song "Diamonds" while Clarkson will perform one of her latest singles from her "Greatest Hits" album in "Catch My Breath." The Killers will be singing their hit "Runaways" and Mars will debut "When I Was Your Man" from his sophomore album "Unorthodox Jukebox."
Rihanna made pop music history when "Unapologetic," her seventh studio album in seven years for Island Def Jam, debuted at #1 on the Billboard 200 Albums chart, the first #1 Soundscan album of her career. "Unapologetic's" arrival built on the success of "Diamonds," Rihanna's record-breaking 12th Hot 100 #1 hit. Rihanna has six Grammy Awards, three MTV Video Music Awards, six American Music Awards, 18 Billboard Music Awards, and the hard-earned title of Facebook's most-liked public figure with 62 million likes to her name. She was also named the world's #1 social media star by Forbes, with over 2.9 billion views on YouTube/VEVO, the most ever for any female artist, and over 26 million Twitter followers.
Since bursting onto the music scene 10 years ago, Clarkson has released five studio albums ("Thankful," "Breakaway," "My December," "All I Ever Wanted" and "Stronger"), sold over 20 million albums worldwide, 10 million albums in the US and has had 10 singles in the top 10 on the Billboard Hot 100 Singles Chart. She is the recipient of two Grammy Awards, four American Music Awards, three MTV Video Music Awards, two Academy of Country Music Awards, one Country Music Association Award and 12 Billboard Music Awards. Clarkson's most recent effort "Stronger" debuted at #2 on both the Billboard Top 200 and Digital Albums Chart. The album is certified Platinum by the R.I.A.A. and produced the smash singles, "Mr. Know It All" and "Stronger (What Doesn't Kill You)" which marks Clarkson's ninth and 10th Top 10 hit. "Stronger (What Doesn't Kill You)" was #1 on Billboard's Hot 100 Chart for two consecutive weeks (three weeks total) marking her third #1 on the Hot 100 chart after 2002's "A Moment Like This" and 2009's "My Life Would Suck Without You." Clarkson was recently a mentor on ABC's "Duets" as well as a guest mentor for Team Blake on "The Voice." She was recently nominated for a 2012 CMA Award for Female Vocalist of the Year. She recently released "Greatest Hits – Chapter 1" on November 19, which features three new tracks as well as a compilation of some of her greatest hits to date. In addition, Clarkson was recently nominated for four Grammy Awards, including Record of the Year, Song of the Year, Best Pop Vocal Performance and Best Pop Vocal Album.
Mars is a 14-time Grammy Award nominee who has sold more than 50 million singles worldwide and has one billion views on YouTube. His debut album, "Doo-Wops & Hooligans," was released in October 2010 and has been certified 40-times platinum worldwide. The album, which was named, "the year's finest pop debut: 10 near-perfect songs" by Rolling Stone, included the 12-time platinum blockbuster single "Just the Way You Are," which hit #1 in multiple countries across the globe and won the critically acclaimed artist a Grammy for Best Male Pop Vocal Performance. "Doo-Wops & Hooligans" claimed two additional hit singles, the 10-time platinum "Grenade" and six-time platinum "The Lazy Song."
Mars has also received the ASCAP Song of the Year for "Just the Way You Are," a BRIT Award for International Male Solo Artist, an American Music Award for Favorite Male Artist in Pop/Rock and the People's Choice Award for Favorite Male Artist. In 2011, Mars was named one of Time magazine's 100 Most Influential People in the world. His latest single, "Locked Out of Heaven," from his sophomore album "Unorthodox Jukebox," is proving to be yet another sensation for Mars, currently sitting at #1 on the Billboard Hot 100, marking the artist's fourth #1. "Unorthodox Jukebox" is receiving rave reviews from critics, noted by Rolling Stone as "a record that makes the competition sound sad and idea-starved by comparison," and named Mars a "master song-crafter." Entertainment Weekly lists the album at #1 on this week's Must List, claiming Mars "aims his croon at a range of targets — reggae, soul, Prince-inspired pop – and hits the mark every time," while Billboard says the "boldly ambitious and gloriously irreverent 'Unorthodox Jukebox' is made for – and gets better with – as many repeat plays as you can manage."
The Killers are a Las Vegas-based, four-piece band who formed in 2002 featuring the talents of singer/keyboardist Brandon Flowers, drummer Ronnie Vanucci, guitarist Dave Keuning and bassist Mark Stoermer. The band has received numerous accolades for its artistic achievement, including multiple Grammy Award nominations, American Music Award nominations, MTV Video Music Awards, NME Awards, BRIT Awards and more. They have sold over 14 million albums worldwide; their first album, "Hot Fuss," was released in 2004 to worldwide acclaim. The band toured for two years straight behind "Hot Fuss," playing more than 400 shows, and eventually returned to Vegas to begin to work on the follow-up album with legendary producers Alan Moulder and Flood. The result, a love letter of sorts to their hometown, is titled "Sam's Town," was released in 2006 and spent 42 weeks on the Billboard Top 200.
Their third studio album, "Day & Age," was released to widespread critical praise in 2008. The following tour saw the band headlining two of America's most prestigious festivals, Lollapalooza and Coachella, as well as selling out Madison Square Garden for the third time. The Killers released their newest album, "Battle Born," in September 2012. Critically acclaimed upon its release, "Battle Born," like its namesake and the band that created it, is an album that does not back down from its own strengths.
The Killers have appeared three times on NBC's "Saturday Night Live," in addition to performances on NBC's "The Tonight Show with Jay Leno" and "The Late Show with David Letterman," among others.
"The Voice" is a presentation of One Three Media (a Hearst/Mark Burnett company), Talpa Media USA Inc. and Warner Horizon Television. The series is created by John de Mol, who executive-produces along with Burnett, Audrey Morrissey, Stijn Bakkers and Lee Metzger.
Tagged with: Bruno Mars • Kelly Clarkson
http://twitter.com/tukicarreno Tuki
Wow! Great lineup… Really looking forward to it.
Really great lineup. I had stopped watching The Voice but will be watching for sure.
http://pulse.yahoo.com/_PSHFTD4YV3QOE3INABJUXZSWMU hillstreetblooz
O/ Kellyyyyyyyyyyyyyyyyyyyyyyyy!
I haven't watched 1 episode of this show, but nothing will keep me from this finale… Bruno Mars and Kelly? Effing awesome.
http://pulse.yahoo.com/_NDYOWBIIPZU6PBRHGOPT2ZZJXQ sweetmm
This season's result shows had been great and I'm pretty sure they'll deliver the main result show brilliantly :)
http://twitter.com/cheeseE1 EH
Wow, this will be even better than last night's 1-2-3 punch of Juliet Simms, Chris Mann and Raelynn!
Shows how big the voice has gotten that they got some a listers there. Wonder who'll do xf
I always look forward to duets with today's major stars… And keep wondering what happens if a13yo who sings older ballads wins .. how do you market a girl whose never sang an upbeat pop song
I'm most looking forward to The Killers out of that line-up. Good for Kelley though.
http://pulse.yahoo.com/_ENXWTPQX7WDUGFKDMOUHAWCQMY Van
Always enjoying seeing Kelly on tv :) She'll also be singing "Catch My Breath" on VH1 Divas this Sunday!
BRUNOOOOOOOO!!!! I love his laid-back style!
Perhaps only Clay has divorced himself form Idol more than Kelly Clarkson. She seems to be more than willing to slap the face of the show that gave her a start. She is never asked back unless it is for a finale & all the winners are there & if she is asked to perform anywhere it is on another competing show. It all began when she booted her management contract with 19. They no longer have an incentive to promote her so she dangles.
What an amazing lineup! Especially looking forward to Kelly and Bruno, two of my favorite performers.
I don't think Kelly is at all "divorced" from Idol. Kelly has performed on Idol many times on non-finale nights. She didn't perform this past season but the season prior she sang her duet with Jason Aldean; she sang MLWSWY another season and I'm quite sure there were other appearances — all occuring after she left 19M.
arkboy: Perhaps only Clay has divorced himself form Idol more than Kelly Clarkson. She seems to be more than willing to slap the face of the show that gave her a start. She is never asked back unless it is for a finale & all the winners are there & if she is asked to perform anywhere it is on another competing show. It all began when she booted her management contract with 19. They no longer have an incentive to promote her so she dangles.
Kelly was originally scheduled to perform on AI s11 (not sure what happened there) and like mmb says she performed Don't You Wanna Stay with Jason Aldean on AI during s10. That's just the last 2 seasons. Kelly also said her manager Narvel gave AI a heads up before taking on The Voice coaching gig. Meanwhile AI is only too happy to continue touting her many accomplishments as a reflection of the talent this show has discovered.
Too, if you read the prologue and epilogue of Kelly's Greatest Hits liner notes (which Kelly wrote), there are prominent mentions of how much AI meant for her.
I appreciate AI alums who are loyalists to the show. Kelly may not be a loyalist since she's done other singing shows but, as much as she's mentioned Idol in this 10th year since she won (she even tweeted on her Idol winning anniversary to celebrate it), there's definitely no "divorce". Besides, Idol isn't even on the air right now.
Adam Lambert (Season 8 American Idol) gives lots of praise to American Idol and he performed in the finale of the Voice in China in 2012, and on the X-factor in Australia and Finland in 2010…
Yeah, and Kelly Clarkson was on another continent during her world tour when they asked another American Idol (AI) alumi to be a mentor on the AI show in Season 9.
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It is rare for Xinhua's Cankao Xiaoxi (Reference News) to lavish a whole page on one report.Sunday, 15 January, 2012, 12:00am
Twenty years after proclaiming the end of history, Francis Fukuyama has returned to his favourite subject. His new book, The Origins of Political Order, is a fascinating, sweeping chronicle of man's political development - and the re-engagement seems to have had a sobering effect.19 Jun 2011 - 12:00am
As the Asia-Pacific region marks the 60th anniversary of the end of the second world war today, and after what seemed to be a one-way detour following September 11, 2001, the 'End of History' is back on the agenda.15 Aug 2005 - 12:00am
Who would have thought 20 years ago, that Russia would be holding free elections to choose its leaders? It all makes me think that in another 20 years, China may finally be free of its geriatric dictators to become a place where individuals will have a say in running their country's affairs. I like to think this is possible, but I may be dreaming.19 Jun 1996 - 12:00am


text:
Authorities in Phoenix said a man is dead after his car rammed into a tree along 35th Avenue south of Northern early Friday morning.
Police said they think the 27-year-old driver may have fallen asleep. Impairment does not appear to be a factor.
Both directions of 35th Avenue south of Northern were closed while investigators worked the scene. It was re-opened shortly before 6 a.m.
Police have not released the name at this time.
Copyright 2013 CBS 5 (KPHO Broadcasting Corporation). All rights reserved.
844 Government
Baton Rouge, LA 70802
(225) 383-9999
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text:
CUSTOM Wood Flask
Free U.S. Shipping on orders over $100
Designed + Crafted in USA
The WOODCHUCK flask has a stainless steel body with a real wood finish, handcrafted in our Minneapolis workshop. Each wooden facing is individually selected for unique grain and quality, ensuring authenticity and bold distinction.
Through a sleek and innovative design, WOODCHUCK flasks add an elegant piece of nature to your lifestyle. Our 3 oz flasks are compact and slip easily into your suit or coat pocket.
- Customizable
- 3oz – 3"x4"
- 100% real wood
- Stainless steel interior – 100% real wood exterior
- Small steel pouring funnel included
Customization Guidelines
Black and white vector artwork is going to translate the best. We want to spend as much time as possible making cool stuff for all of you, so please have artwork for custom jobs as close to print-ready as possible. We accept the following file types in order from most favored to least:
- .ai (Adobe Illustrator)
- .eps (Encapsulated Post Script)
- .png
- .jpeg
- .tif
Image size and quality requirements specified:
- High Res preferred (240dpi - 300dpi or 500 kilobytes minimum)
- Raster-based images must be Bitmapped
Much of our team comes from a design background (including our founder and our head of production). We take all steps necessary to make sure the artwork you send us translates to your custom WOODCHUCK.


text:
Definition: 'Staphylococcus Hominis'
Staphylococcus hominisType: Term
1. coagulase-negative staphylococcus indigenous to human and mammalian hosts.
The information shown above for Staphylococcus hominis is provided by Stedman's.
* Stedman's, part of Lippincott Williams & Wilkins, provide a comprehensive line of health-science publications for healthcare professionals and medical students.
Medical Dictionary Copyright © 2006 Lippincott Williams & Wilkins. All rights reserved.


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Handicap Village dba Opportunity Village Reviews
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December 22, 2010
My brother has lived at the Village for along time.The staff are wonderful people.He considers this his home.He has a job,friends and very caring staff.There is no better place to call home for him than the Village.
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keep it the way it is now.
November 12, 2010
I have worked with Opportunity Village on a few video projects and used their client services on several projects. The video projects were designed to capture what a typical day is like for clients that could be posted on the web and viewed by parents, potential residents, and others. Working with the staff of OP was wonderful and videotaping the residents was a heart-warming experience. Although a little "skeptical" at first, most warmed up to the camera and a few even became "Movie Stars"! The care and giving the staff provides is truely amazing. We have also used the Client Services for assembly of projects including an RV Safety Training packet. At first I was skeptical because even missing one manual from the kit would create a lengthy correspondence as well as shipping missing components and could jeapordize the project. After assembling over 3,000 kits, not one manual was missed! We have used them for several other projects and all have been performed professionally and exact to the task. Opportunity Village is staffed with not only the best professionals this industry could obtain, but also the best members of a community as they become part of activities and events throughout the course of the year. They are an embedded part of what makes this a great community. Thanks to the entire staff!
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Five Players to Watch: 2014 John Deere Classic
TPC Deere Run is host of the John Deere Classic, the last PGA Tour stop before the Open Championship. Jordan Spieth returns to the site of his breakthrough 2013 victory, and a host of stars are out looking to stake their own claim to glory.
If you like shootout golf, you're in for a treat this week, as birdies will be flying. If you can focus, keep your eye on the following five players as the week rolls on.
5. Harris English
5. Harris English
English seemed to get his groove back at the Travelers Championship, earning a tie for seventh and his first top-ten since February. The former Georgia Bulldog finished T-15 in his first trip to TPC Deere Run in 2012, and still ranks ninth on Tour in birdie average. He's got everything it takes to put up birdies in bunches, which is the key to success this week.
4. Ryan Moore
4. Ryan Moore
Moore, like English, was an early-season winner who went through some down times over the last few months. Also in common with English is the fact that Moore seems to be back on the upswing following a strong Travelers performance. Moore ranks in the top 10 on Tour in birdie-or-better conversion on both par-3s and par-4s.
3. Zach Johnson
3. Zach Johnson
A run of former champions begins with Zach Johnson, the 2012 winner. If you just look at Johnson's recent results, it's hard to pick him here, but he's just been far too consistent at TPC Deere Run over the last several years (four top-three finishes in five years) to ignore. He's one of the guys who pretty much owns this course, and that's good enough to crack my rankings.
2. Steve Stricker
2. Steve Stricker
Here are Stricker's results since 2009 at the John Deere Classic: win ('09), win ('10), win ('11), T5 ('12), T10 ('13). There aren't many "sure things" in golf, but it's starting to look more and more like Steve Stricker at TPC Deere Run is getting there.
No, he doesn't play much anymore, but does it matter? It's only a few hours drive from his Wisconsin home, and his confidence has to be through the roof here.
1. Jordan Spieth
1. Jordan Spieth
A little quick math for you: seven top-25 finishes in his last eight starts, plus a return to the site of his first PGA Tour win, plus another major on the horizon. Do you think Spieth might be a little amped up to go low this week in Illinois?
Ranked eighth in adjusted scoring average and birdie-or-better conversion, eighth in scrambling, and 24th in strokes gained putting. He doesn't have to hit every fairway, Spieth will find a way to win.


text:
Use the tools below to refine your search by only displaying reviews with a certain number of star ratings or to only show reviews from a certain time period. Eg click on '1 star' to just display the reviews we have which received a 1 star rating click or 'Within the last month' to display just reviews posted over the last month.
Written on: 08/08/2014 by WasteofMoneyTrashRubbish (1 review written)
Absolute waste of money. flowers didn't arrive on time and when they arrived several days late they were limp and starting to die. Very disappointing for sender and recipient. NEVER EVER USE THIS COMPANY… Read Full Review
Written on: 30/07/2014 by Rubbish90 (1 review written)
There is nothing i can say . other that what a waste of MONEY .......would NEVER use FLYING FLOWERS AGAIN… Read Full Review
Written on: 21/07/2014 by rwoolford (1 review written)
The flowers didn't turn up and they didnt know where they were. Go with Interflora… Read Full Review
Written on: 20/06/2014 by Estrellau447 (1 review written)
as we had used flying flowers before with satisfactory service we again ordered more flowers for an address in Erith, London. due to the casual and non-caring attitude of the post office employees these where delivered 3 days late having languished in the sorting office at Dartford. this was not of course the fault of flying flowers who had sent them to arrive on the monday. we phoned flying flowers to tell them of the dreadfull service and couldn't care less attitude of the post office who… Read Full Review
Written on: 09/06/2014 by rwAndersen438 (1 review written)
Ordered sympathy flowers, money went from my account but flowers never delivered, rang to find out what happened to be told order was cancelled as they said couldnt deliver to that area and they tried calling me which they didnt, very annoyed as they were going to a friend whose dad had passed away. Would nilot recommend and guy in customer service was an arrogant rude guy… Read Full Review
Written on: 27/05/2014 by mhoges (1 review written)
Ordered a bunch for my sister's bday (I live in Aus, she in NZ)...they got delivered 3 days after her bday. I was offered another bunch to be sent free of charge, however after informing them that this would be pretty much useless now they offered a refund...of just 20% ($9.00). Very disappointed and would never recommend or use these guys again… Read Full Review
Written on: 24/05/2014 by Helzi (1 review written)
Absolutely disgusted..... flowers I ordered for my mom were delivered a day late and they were dead. date of dispatch was 3 days before so no wonder they were dead. I was so disappointed… Read Full Review
Written on: 22/04/2014 by Beach165 (1 review written)
I wish to complain re bouquet I bought for my daughters anniversary There were 5 droopy roses 1 spray and 1 other stem half dead It was called something sorbet They were daylight robbery I shall not be purchasing from you again I intend to make sure my friends do the same… Read Full Review
Written on: 16/04/2014 by J100NEO (1 review written)
What an absolute shambles of a business. Tell me if I'm wrong but when you order flowers for someone it's usually a special occassion!!!! Well I ordered flowers on 11/04/2014 for my friends 40th birthday on 16/04/2014. I requested them to be delivered obviously on her birthday. I received an e-mail to confirm that my order was being processed and would be delivered on my requested date 16/04/2014. Patiently wait ll day at work for them to be delivered. Didn't turn up so I rang Flying flowers… Read Full Review
Written on: 14/04/2014
My husband ordered me a bouquet from Flying Flowers for Mother's Day using an offer advertised in the Daily Express. The flowers on arrival had broken stems, leaves falling off and broken flower heads. Part of the offer had been a free luxury ribbon (small piece of twine like ribbon), free chocolates (missing) and a free vase. On complaining to Flying Flowers they did apologise and sent another undamaged bouquet and, "as a gesture of goodwill", enclosed the chocolates that had been part of… Read Full Review
Written on: 08/04/2014 by Suzikins (1 review written)
Ordered for a friends special birthday. Ordered two weeks in advance. 3 days later they still haven't arrived. Disgusting service. Trying to get a refund but their customer service is a joke. DO NOT USE!!!… Read Full Review
Written on: 31/03/2014 by richardsg (1 review written)
Ordered a medium bunch of mothers day flowers. My sister made my mum call me who didn't want to upset me. Glad she did as what she got was half the size it should have been and half dead. Wish I had checked this site before hand as had used in the past and felt that they were OK. Clearly things have changed dramatically. Called them today to arrange a refund. Will check it has arrived as takes 3-5 days to process. Getting this right is so important as you the purchaser may not get to see the… Read Full Review
Written on: 31/03/2014 by Gleasonff116 (1 review written)
I ordered flowers for Mother's Day and they did not arrive in time. When I rang up to enquire the representative was not only very rude (he put the phone down on me) but he told me that it was often a problem that flowers arrived a day late and I should just live with it. He told me he could not look into the problem either. I definitely won't be using them again… Read Full Review
Written on: 31/03/2014 by Steve136 (1 review written)
Ordered two bouquets of carnations and chocolates for mum and mum in law. Arrived in time for Mother's Day, but Both had someone else's card in them and several of the heads of the carnations had broken from the stems. Both the boxes were intact and undamaged so post man not to blame. Really embarrassing made me look a cheap skate although not cheap. Would have got better quality bouquet off a garage forecourt. Do not use appalling. Very upset and let down, our mums are very special this… Read Full Review
Written on: 30/03/2014 by Ljg27 (1 review written)
Worst service I have ever received! Paid for courier service for definate delivery on the day I chose, flowers didn't arrive, had to ring them on a premium rate number to find out they had been delivered to wrong depot and would arrive next day, next day they still didn't arrive and I had to ring them again to be told they're still in the wrong depot and won't be delivered for another 3days! Absolutely disgusting service!… Read Full Review
Written on: 30/03/2014 by faultyflowers (1 review written)
My son & daughter in law who live in Australia ordered flowers for me for Mothers Day - arrived 29th March I did not have a problem with this- I did however have a problem on what was inside when I opened the box - Wilting & dead flowers - They had ordered roses & lilies - someone decided to send me dead daisies daffodils tulips & other flowers which i was unable to decide what they were supposed to be as they were dead. You may have numerous years of experience as have I regarding receiving… Read Full Review
Written on: 29/03/2014 by Janeyjanes (1 review written)
My poor mother received these flowers for Mother's Day and a bunch of daisies out of the field would Have been better.I ordered the luxury large sweet scented bunch,if that is large I would hate to see the small bunch ! All the heads are falling off and they look like they have been flying all the way round the world ! Three times!!! Very very disappointed. VERY POOR… Read Full Review
Written on: 29/03/2014 by Jayde123 (1 review written)
I was very disapointed when i recieved the flowers i got my for mam on mothers day they where dead and looked nothing like the picture and were deffinetly not indulgent, for £20 the bunch was tiny i could of got better from tesco. I will never order from flying flowers again!… Read Full Review
Written on: 27/03/2014 by hjw1 (3 reviews written)
If you want to order flowers during Mother's Day you can only choose flowers from their Mother's Day selection. There is no information on their website to state that you can't order flowers from any other range during the week up to Mother's Day but if you try and place an order the earliest delivery date is the 1 April! When I queried this I was told in writing it was due to a stock error. When I queried this and expressed disbelief I was told in writing that this was their policy as they… Read Full Review
Written on: 16/02/2014 by knfruitbat (1 review written)
This company used to trade from Jersey and were brilliant. Not any more. Ordered £40 of Flowers and Chocolates for my wife for Valentine's Day a week in advance. They didn't arrive. Contacted customer services, they said they can't guarantee delivery on a particular day, they should arrive the following day, and that was that. No apology, no flowers, nothing. If the flowers ever arrive who knows what state they are going to be in, doubt they will look anything like the glossy advertising or… Read Full Review
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text:
Select Route:
Secluded area near the summit boulders in the shade pretty much all day.
Getting There
Head south from the summit boulders towards the boulder with the yellow cross take an easy down climb on a slab towards a tree and continue south. This leads you to the den.
Climbing Season
1 Total Routes
The Classics
Browse More Classics in Fox's Den
Mountain Project's determination of some of the classic, most popular, highest rated routes for Fox's Den:
Denizen V4 6B Boulder, 15'
Featured Route For Fox's Den
Low start matched with right hand on undercling left hand on the slopey top. Follow the ar�te eventually pulling a long move left to the side pull jugs on the face pull a long move to the right hand jug then hit the hidden jug up top then pull the easy top out. Fantastic ar�te climb with long powerful moves....[more] Browse More Classics in TX
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text: Q&A ON FEDERAL TAX ASPECTS OF HEALTH SAVINGS ACCOUNTS (PRINT FOR YOUR RECORDS) IMPORTANT NOTE: This UMB Bank, n.a. Q&A on Federal Tax Aspects of Health Savings Accounts ("the HSA Q&As") is provided by UMB Bank, n.a. as a service to persons who are considering opening a Health Savings Account (HSA). However, the HSA Q&As are furnished to individuals with the understanding that (i) qualifications for opening and maintaining an HSA are complex, (ii) these HSA Q&As are believed to be accurate as of December 6, 2005, (iii) future changes in the law or interpretations of the law may occur that could make the information in these HSA Q&As incorrect or incomplete, and (iv) UMB Bank, n.a. is under no obligation to update the information in these HSA Q&As. Furthermore, these HSA Q&As are furnished with the understanding that an individual considering whether to open an HSA is doing so only after having read these HSA Q&As and, to the extent necessary, after having consulted with the individual's own accountant or tax advisor. UMB Bank, n.a. is not responsible for providing tax advice to any individual. These HSA Q&As only describe information relating to the tax treatment of HSAs under the Federal Internal Revenue Code (the "Code"), and do not address any other information or laws that may apply to HSAs (including state laws or laws of any other taxing jurisdiction). OVERVIEW AND ELIGIBILITY REQUIREMENTS What is a Health Savings Account? A Health Savings Account ("HSA") is a tax-exempt trust or custodial account created for the purpose of saving and paying for qualified medical expenses in connection with a high deductible health plan. Authorized by Section 1201 of the Medicare Prescription Drug Improvement and Modernization Act of 2003, an HSA is established for the benefit of an individual, and is "portable." This means that if you change employers or leave the work force, the HSA stays with you rather than with your former employer. Your HSA at UMB Bank, n.a. is a custodial account that consists of all funds you or your employer contributes to your HSA, all investments you make with or through Custodian using those funds, and all earnings on those funds. Who is eligible for an HSA? An "eligible individual" may establish an HSA. An "eligible individual" means, with respect to any month, an individual who (i) is covered under a high deductible health plan as of the first day of the month, (ii) is not also covered by any other health plan that is not a high deductible health plan (with certain exceptions for certain types of permitted coverage, as discussed more fully below), (iii) is not entitled to Medicare benefits, and (iv) may not be claimed as a dependent on another person's tax return. What is a "high-deductible health plan" that makes someone eligible for an HSA? A "high-deductible health plan" is a health plan that: (1) has an annual deductible of at least $1,050 for individual (self-only) coverage or (2) has an annual deductible of at least $2,100 for family (coverage of more than one individual) coverage. In addition, the annual out-of-pocket expenses required to be paid under the plan cannot exceed $5,250 for individual coverage and $10,500 for family coverage. (These dollar amounts are the amounts in effect during 2006, and are subject to change for later tax years.) Out-of-pocket expenses includes deductibles, co-payments, and other amounts the participant must pay for covered benefits, but do not include premiums or amounts incurred for noncovered benefits (including amounts in excess of usual, customary and reasonable amounts, and financial penalties). Can a health plan that imposes a lifetime limit on benefits still qualify as a high-deductible health plan? A plan does not fail to be treated as a high-deductible health plan merely because it imposes a reasonable lifetime limit on benefits provided under the plan. In such a case, amounts paid above a lifetime limit will not be treated as out-of-pocket expenses in determining the annual out-of-pocket maximum. Can a health plan that does not have a deductible for preventive care still qualify as a high-deductible health plan? A plan does not fail to be treated as a high-deductible health plan merely because it does not have a deductible (or has a small deductible) for preventive care. For this purpose, preventive care includes such items as periodic health evaluations, routine prenatal and well-child care, child and adult immunizations, tobacco cessation programs, obesity weight-loss programs, and certain screening services. Who can offer a high-deductible health plan? A high-deductible health plan may be offered by a variety of entities, including insurance companies and health maintenance organizations (HMOs). Can you be covered by another health plan and still be eligible for an HSA? Except as provided below, you are ineligible for an HSA if you are covered under another health plan that is not a high-deductible health plan (whether as an individual, spouse or dependent) in addition to your qualified high deductible health plan. What other types of health coverage can you maintain without losing eligibility for an HSA? You remain eligible for an HSA if, in addition to a high-deductible health plan, you have any one or more of the following: insurance under which substantially all of the coverage relates to liabilities from workers' compensation laws, torts, or ownership or use of property (such as automobile insurance); insurance for a specified disease or illness; insurance paying a fixed amount per day (or other period) of hospitalization; or coverage (whether through insurance or otherwise) for accidents, disability, dental care, vision care, or long-term care. You may also have coverage under an Employee Assistance Program ("EAP"), and you may have a discount card that enables you to obtain discounts for health care services or products at managed care market rates. Are HSAs allowed under a cafeteria plan? A high-deductible health plan can be provided as part of a cafeteria plan. Such a high-deductible health plan can be used in conjunction with an HSA. The HSA can be established under a cafeteria plan. Can an employer allow you to elect an HSA mid-year if offered as a new benefit under the employer's cafeteria plan? An employer may offer an HSA mid-year as a new benefit under a cafeteria plan, and allow you to elect an HSA, so long as your election for the HSA is made on a prospective basis. In such a situation, however, you may have other coverage under the cafeteria plan that cannot be changed (e.g., coverage under a health flexible spending account), which may prevent you from being an eligible individual with respect to the HSA. ESTABLISHING AN HSA How do you establish an HSA? If you are eligible for an HSA (as described above), you can establish an HSA with a qualified HSA trustee or custodian. No permission or authorization from the Internal Revenue Service ("IRS") is necessary. The trustee or custodian will furnish you a written HSA custodial or trust agreement. Who can serve as an HSA trustee or custodian? Any insurance company or any bank (including a similar financial institution as defined in Section 408(n) of the Code) can be an HSA trustee or custodian. In addition, any other persons already approved by the IRS to be trustees or custodians of IRAs are automatically approved to be HSA trustees or custodians. Q&A ON FEDERAL TAX ASPECTS OF HEALTH SAVINGS ACCOUNTS (PRINT FOR YOUR RECORDS) Can you revoke your HSA? For a period of seven (7) days following the date on which you enter into a Health Savings Account Custodial Agreement with UMB Bank, n.a., you have the right to revoke the Agreement. To affect a revocation, please write UMB Bank, n.a., P.O. Box 419226, Kansas City, Missouri 64141, or call toll free (866) 520-4HSA (4472). In the event notice is mailed, the postmark date (or date of certification or registration, if sent by certified or registered mail) will be deemed the date of delivery, provided that normal mailing procedures are followed. If you revoke your account within the foregoing time limits, you are entitled to a return of the entire amount deposited to your account without reduction for any fees, expenses, or commissions and without any adjustment for any investment gain or loss. However, a 10% excise tax may apply to the amounts distributed in connection with the revocation if the funds are not used for payment of qualified medical expenses. CONTRIBUTIONS TO HSAs Who may contribute to an HSA? Any person (an eligible individual, an employer, a family member, or any other person) may make contributions to an HSA on behalf of an eligible individual. What are the rules regarding contributions made by your employer? If your employer makes a contribution to the HSA, your employer will be subject to a "comparability test." If your employer provides a high-deductible health plan and makes HSA contributions for some employees, then your employer is required to make available comparable contributions on behalf of all employees with comparable coverage. For this purpose, the term "comparable contributions" means contributions that are either (i) the same amount, or (ii) the same percentage of the annual deductible limit under the high-deductible plan. In what form may contributions be made to an HSA? Contributions to an HSA must be made in cash. As custodian of your HSA, UMB Bank, n.a. ("UMB") will accept contributions by check or direct deposit. UMB will also accept rollovers or transfers of assets from an Archer MSA or an HSA, in accordance with the requirements of the Internal Revenue Code. The custodian will require that those rollover contributions be in the form of cash. All contributions to your HSA will initially be made to an interest bearing HSA Deposit Account at UMB Bank, n.a. Other investments may be available within your custodial account as disclosed by us from time to time. How much may be contributed to an HSA? The maximum amount that may be contributed to an HSA for any year is the lesser of 100% of the high-deductible health plan's annual deductible or a certain amount established by the IRS for each year (depending on whether you have single coverage or family coverage). The amounts established by the IRS for 2006 are $2,700 for individual coverage and $5,450 for family coverage. You should check with your legal or tax advisor to determine the limit that applies to you for the current year. The same annual contribution limit applies regardless of whether the contributions are made by an employee, an employer, or both. For any year in which you are eligible for an HSA during some months of the year but are not eligible during the other months, the annual contribution amount must be prorated. In computing the prorated contribution amount, you may count only those months during which you (or your spouse) were covered by a high deductible health plan for the entire month. You determine your monthly limit by calculating your annual limit as if you were eligible for the entire year and then dividing by 12. Even though the annual limitation is calculated on the basis of monthly prorating, the total contribution for the year can be made in one or more payments at any time up to your tax-filing deadline (without extensions.) However, if you wish to have a contribution made between January 1 and April 15 treated as a contribution for the preceding taxable year, you must provide written notification to UMB at the time such contribution is made. Otherwise, it will be treated as a contribution for the current taxable year. The annual limit is decreased by aggregate contributions to a medical savings account (Archer MSA). When may "catch-up" contributions be made to an HSA? If you are age 55 or over, you can make additional "catch-up" contributions to your HSA. The amount of this additional "catch-up" contribution is $700 for 2006. This additional "catch-up" amount increases by $100 for each year after 2006, but for 2009 and later years, the maximum additional "catch-up" contribution is $1,000. As with the annual contribution limit, the catch-up contribution is computed on a month-to-month basis. What is the tax treatment of an eligible individual's HSA contributions? When you make an eligible contribution to an HSA, the amount of your contribution (up to the maximum contribution limit discussed above) is deductible in computing your adjusted gross income. This means that your contributions are deductible whether or not you itemize deductions. In addition, any person who may be claimed as a dependent on another taxpayer's return may not claim a deduction for a contribution to an HSA. A special rule applies to certain married individuals. If either spouse has family coverage under a high-deductible health plan, both spouses shall be treated as having only such family coverage (and if such spouses each have family coverage under different plans, as having the family coverage with the lowest annual deductible). The amount allowable as a deduction after application of this rule shall be divided equally between the spouses unless they agree on a different division. What is the tax treatment of employer contributions to an HSA? If your employer makes a contribution to an HSA for you, you are not allowed to deduct that contribution on your income tax return. Your employer, however, will be able to deduct the contribution up to your maximum contribution limit for that year. Although you cannot deduct your employer's HSA contribution, the contribution is not taxable to you or subject to income tax withholding or other employment taxes if it does not exceed your maximum contribution limit for that year. When is the deadline for contributions to an HSA for any particular year? You may make HSA contributions for a particular year no later than the deadline, without extensions, for filing your federal income tax return for that year. For calendar year taxpayers, this is generally April 15 following the year for which the contributions were made. However, UMB will treat any contribution made between January 1 and April 15 as a contribution for the current taxable year unless you provide written notice to UMB at the time of such contribution that the contribution is for the preceding taxable year. What happens when HSA contributions exceed the amount that may be deducted or excluded from gross income? A contribution made by you or your employer to an HSA that exceeds the amount allowed by law, or which is made during any year when you are not eligible to contribute, is called an "excess contribution." Excess contributions are not deductible by you or your employer and are included in your gross tax for each year they remain in your HSA. However, you may avoid this excise tax if the excess contribution income if made on your behalf by your employer. In addition, excess contributions are subject to a 6% excise is not deducted and if you remove the excess contribution from your HSA, together with any net income attributable to the excess contribution, before the due date for filing your federal income tax return, including extensions, for the year for which the excess contribution was made. In that case, the net income attributable to the excess contribution would be taxable as income for the year in which the distribution is made, but, the removed excess contribution would not be taxable as income to you. Rollover contributions do not count in determining whether an excess contribution has been made. Q&A ON FEDERAL TAX ASPECTS OF HEALTH SAVINGS ACCOUNTS (PRINT FOR YOUR RECORDS) Who is responsible for determining the amount of eligible contributions? You are responsible for determining your eligibility for an HSA and the amount of eligible contributions during any year. You are encouraged to speak with your tax advisor about these matters. As custodian, UMB has no responsibility for determining or advising you whether any contribution complies with the requirements and limitations of the Code. When will the custodian return excess contributions? The custodian will return contributions that the custodian believes in good faith would exceed the sum of the maximum annual family coverage deductible plus the catch-up contribution amount as determined by the IRS. Since maximum annual contribution limits may vary depending on whether you have individual or family coverage, your policy deductible amount and your age, you should not rely on us to determine whether your contributions exceed the maximum annual contribution. The custodian will also return contributions when you notify us that you have made an excess contribution. You may be charged a fee if we return a contribution. ROLLOVERS AND TRANSFERS What are the rules regarding rollovers and transfers of HSA? You may withdraw any portion or all of the funds from one HSA or Archer MSA and roll them to an HSA account with another custodian or trustee. However, you are required to roll the funds into a new HSA within 60 calendar days of your receipt of the funds. Another rule provides that you are only allowed to make one HSA rollover in a 12-month period. The 12-month period begins on the date you receive the distribution, not on the date you roll it to another HSA. In addition, you may transfer your Archer MSA or HSA funds directly from one HSA custodian or trustee to another without ever having direct control or custody of the funds. Rollover and transfer contributions are not deductible and do not count against the annual contribution limits discussed earlier in these HSA Quash. TAX TREATMENT OF HSA What is the tax treatment of earnings on amounts in an HSA? Earnings on amounts in an HSA are not taxable prior to distribution from the HSA. However, Has are subject to the taxes imposed by Section 511 of the Code (relating to tax on unrelated business income of charitable, etc. organizations). In addition, under certain circumstances, distributions from an HSA may have tax consequences (see the following section regarding taxation of distributions). What are the tax consequences of a "prohibited transaction"? If you or your beneficiary engages in a "prohibited transaction" as described in Section 4975 of the Code with respect to your HSA, the HSA will lose its tax exemption and its fair market value will be added to your gross income for the year in which the prohibited transaction takes place. In addition to any regular income tax that may be payable, the 10% premature distribution penalty tax may also be applicable. Are there any tax consequences to pledging your HSA as security for a loan? Any portion of your HSA that you pledge as security for a loan will be treated as being distributed to you in that year. In addition to any regular income tax that may be payable, the 10% premature distribution penalty tax may also be applicable. Will your custodian provide any tax advice in connection with your HSA? As custodian, UMB will provide no tax advice concerning your HSA. The tax consequences of your HSA, including all contributions to and distributions from your HSA, are your sole responsibility. You are encouraged to discuss any questions with your own tax advisor. DISTRIBUTIONS FROM HSA When can you receive distributions from an HSA? You can take a distribution from your HSA at any time. A transfer of funds from your HSA Deposit Account to another investment made available through us is not considered a "distribution," and remains part of your HSA custodial account at UMB Bank. How are distributions from an HSA taxed? Distributions from an HSA for the qualified medical expenses of yourself or your spouse or dependents who are covered by the high-deductible health plan are generally excludable from income for Federal income tax are covered by the high-deductible health plan are purposes if such expenses are not covered by insurance. Distributions used for any other purpose are includible in income and may also be subject to an additional 10% tax (see below). When are you subject to the 10% premature distribution penalty tax? Generally, if an HSA distribution is included in your gross income because it is not made for "qualified medical expenses," it will also be subject to an additional 10% premature distribution penalty tax. This 10% penalty tax does not apply to distributions made after your death, disability or attainment of age 65. What happens if you receive an HSA distribution as the result of a mistake of fact due to reasonable cause? If there is clear and convincing evidence that amounts were distributed from an HSA because of a mistake of fact due to reasonable cause, you may repay the mistaken distribution no later than April 15 following the first year you knew or should have known the distribution was a mistake. Under these circumstances, the distribution is not included in your gross income or subject to the 10% additional tax, and the repayment is not subject to the 6% excise tax for excess contributions. What medical expenses are eligible for tax-free distributions from your HSA? Distributions made for "qualified medical expenses" are generally excludable from income. For this purpose, the term "qualified medical expenses" means amounts paid for the medical care, as defined in Section 213(d) of the Code, of yourself, your spouse, or your dependents, but only to the extent such amounts are not compensated by insurance or otherwise. This includes amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease or for the purpose of affecting any structure or function of the body, as well as for transportation primarily for and essential to such care. Qualified medical expenses do not include insurance premiums other than premiums for long-term care insurance, premiums on a health plan during any period of continuation coverage required by Federal law (e.g., "COBRA" coverage), or premiums for health care coverage while an individual receives unemployment compensation. Is your custodian responsible for determining whether HSA distributions are used for medical expenses? As custodian, UMB has no responsibility for determining whether distributions from your HSA are used for qualified medical expenses. It is your sole responsibility to determine the tax consequences of any distributions, for maintaining adequate records for tax purposes, and for paying any taxes and penalties arising as a result of any such distribution. You are encouraged to consult with your legal or tax advisor concerning any questions you may have. If you are a retiree and age 65 or older, may you receive tax-free distributions from an HSA to pay your contribution to your employer's retiree health coverage? After you reach age 65, you may receive tax-free distributions from an HSA to pay for your employer's retiree health insurance coverage. Although the purchase of health insurance is generally not a qualified medical expense that can be paid or reimbursed by an HSA, the Code provides an exception for coverage for health insurance once an account beneficiary reaches age 65. This exception applies to both insured and self- insured plans. If you are a retiree who is enrolled in Medicare, may you receive a tax-free distribution from an HSA to reimburse your Medicare premiums? Such a distribution will be tax-free. When premiums for Medicare are deducted from Social Security benefit payments, an HSA distribution to reimburse an amount equal to the Medicare premium deduction is a qualified medical expense. DIVORCE OR DEATH OF HSA ACCOUNT HOLDER What are the rules that apply if your HSA is transferred pursuant to a divorce decree? The transfer of your HSA to your spouse pursuant to a divorce decree is not considered a taxable transfer. After such transfer, the former spouse will be treated as the account holder of the HSA, but the former spouse must request UMB to transfer the account to his or her name, must provide UMB with a certified copy of the divorce decree and property settlement or transfer agreement, and must sign appropriate documents to establish the account in that person's name. What happens to your HSA upon your death? You have the right at any time to designate one or more beneficiaries to whom distribution of your HSA will be made upon your death. You also have the right to revoke a prior beneficiary designation and, if desired, designate different individuals as beneficiaries. To be valid, any such beneficiary designation must be delivered to UMB prior to your death on a form provided by or acceptable to UMB. Any designation of beneficiary form that you file with UMB will apply to all funds in your HSA Deposit Account with UMB Bank, n.a., as well as to any other investments you make through UMB with your HSA funds. In the absence of a valid beneficiary designation, UMB will distribute the assets comprising your HSA upon UMB's receipt of notice of your death to your estate. You should understand that in certain states, your spouse's consent may be necessary if you wish to name a person other than or in addition to your spouse as beneficiary or to change an existing beneficiary designation. You should consult with your attorney before making such a beneficiary designation. What are the tax consequences of HSA distributions following your death? If your spouse is the named beneficiary of your HSA, your HSA becomes the HSA of your spouse upon your death, subject to UMB's consent and the completion of applicable documents as required by UMB. The surviving spouse is not required to include any amount in gross income for tax purposes as a result of your death and he or she is subject to income tax only on those distributions which are not made for qualified medical expenses. If, at your death, your HSA passes to a named beneficiary other than your surviving spouse, the HSA ceases to be an HSA as of the date of your death, and the beneficiary is required to include the fair market value of the HSA assets as of the date of death in his or her gross income for the taxable year that includes the date of death. The includible amount is reduced by the amount in the HSA used, within one year of your death, to pay your qualified medical expenses incurred prior to death. If there is no named beneficiary of your HSA, the HSA ceases to be an HSA as of the date of your death, and the fair market value of the HSA assets as of the date of death is includible in your gross income for the year of death. STATEMENTS AND FILING REQUIREMENTS What information must be filed with the IRS? As custodian, UMB will send each year to the IRS and to you a form, showing a valuation of your HSA as of December 31 of the prior year, and a report of the contributions to your HSA for the prior year. Unless UMB receives either a certification from your employer that contributions were made by the employer, or a notification from you that a contribution is a rollover contribution, all contributions will be reported as tax-deductible contributions made by you. Distributions will be reported by UMB on Form 1099. Unless you provide written notice to the contrary, UMB will conclusively assume that any distribution, whether by check, debit card, or otherwise, is a "normal distribution" for purposes of tax reporting. Normal distributions include distributions for qualified medical expenses, and expressly exclude the following: return of excess contributions, distributions following your disability, distributions following your death, and prohibited transactions. If a distribution falls within one of these exceptions, you must provide written notification to UMB within seven (7) days following such distribution. MISCELLANEOUS Your HSA at UMB Bank, n.a. is subject to the terms of the UMB Bank, n.a. Health Savings Account Custodial Agreement. Your HSA Deposit Account at UMB Bank, n.a. is governed by the terms of the Health Savings Account Deposit Account Terms and Conditions. Both of those documents are part of this Enrollment Package. If collected funds in the Deposit Account exceed an amount (a "Peg Balance") that we establish from time to time, other investment options may be available. The particular investment options, the applicable Peg Balance for each such investment, a general description of investment options, how you may select those investments, and other important disclosures are available by calling 800-842-9999.


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Golf pro Phil Mickelson says he has NOT been sinking his putts where it doesn't belong … and now he's sicking his lawyers on the people who've plastered the Internet with accusations he fathered an illegitimate child.
Mickelson was pissed when he learned some jerkwad or jerkwads using the screen names "Fogroller" and "Longitude" had been posting scurrilous claims about him and his wife on a message board … which implied the Mickelsons are BOTH screwing around on each other Tiger Woods-style.
Phil claims he was able to track the I.P. address to an Internet service provider in Quebec. And now, he wants a Canadian judge to force the ISP to hand over any information which could identify the mystery poster – so Phil can tee up a defamation suit against the offender.
In the docs, the San Diego golf champ claims the allegations are vicious and absolutely untrue -- and worries the claims could damage his "impeccable reputation."
Phil, take a DNA test to prove it wrong
Several years ago I heard some rumblings about Phil Mickelson from some PGA insiders. The rumor was someone was going to come out with a tell all book about him. Some of the details were supposedly that he had a child out of wedlock, that he and his wife Amy are supposedly swingers, and that he was supposedly in the hole to Vegas casinos for a cool $30 million dollars. Another tidbit that I heard was that when he signed on with Callaway Golf, it was reported that they didn't give him any money but supposedly paid off about $9 million dollars of his purported gambling debts. Now that this one rumor has leaked into the public domain, I find it very interesting. Especially since I heard about these rumors many years ago.
While I appreciate Phil's efforts to catch the clowns doing this, he's not going to get that information out of Canada.
Canadian Service Providers can't be compelled to provide personal information about owners of IP addresses, they way they can in the US. That's the main reason the US can and does go after people who illegally download music etc. They just compel the ISP's to give up the names and addresses of the people involved. Those privacy rights are protected in Canada. It's going to be the same when Phil tried to get that info. Even if they involve the police, I don't believe they can get that info either.
I agree with previous comment. Take a DNA test and prove them wrong and move on!
It's probably Tiger Woods!
I've heard roundabouts from two PGA pros that there is a mixed-race love child in the Atlanta area...but it's probably just a nasty rumor.
He should get a grip. Why does he care about what someone says on an message board? If he and his wife trust each other and he knows tha it is false he should just ignore it. Going to such lengths because of rumors of a child is ridiculous. It is not like he is being accused of engaging in illegal activity. Doesnt he have anything better to spend his time on?
I can just see tiger woods sitting behind a computer in Quebec typing away about phil mickelson banging broads tiger woods style.
He has also been through a great deal the past few years with both his wife and mother suffering with breast cancer at the same time. He and his wife also have a Foundation that takes kids shopping for school supplies, etc every year....and he really is a nice guy and well liked
Hell Yeah... Go get em!
Okay, my name popped up on Google Alerts. Hey it's me, this is the only username that I was able to select to match my name.
Phil is my special buddy! We had a lot of fun together. Phil does not have a love child, so you haters quit saying things about him, or he will use Google alerts and track you down like he is doing the ones in Canada and sue you all!! I can see a bunch of you getting sued in the near future.
Wish me luck in my next tournament so I might win, good day to everyone.
I have heard that Phil has a multi-racial love child and major gambling problem from PGA insiders for many years. I was surprised that Tiger got caught first - Phil must have been very relieved. It was bound to catch up with him eventually.
"NOT been sinking his putts where it doesn't belong … and now he's sicking his lawyers..."
Do you mean sticking his putter...? Do you mean siccing? Do you use the same illiterate writers as Perez HIlton? Has there ever been a gossip site employee with a high school diploma?
I hate big government and I hate to say this but he's right, anyone's rep from no one's to presidential candidates and back again are smeared all day long and it's desensitizing the country from being civil in the least bit and foreign agent provacateours are mostly the culprits fomenting hate pretending to be right and left Americans. So don't fall for it.


text: PRELIMINARY DRAFT SCHEDULE FOR JCPA Plenum Saturday Sunday Monday Tuesday Wednesday March 5 March 6 March 7 March 8 March 9 Morning 7:15-8:45 am 7:45 – 9:00am 7:30-8:15 am Executive Committee Breakfast CRC Chairs Workshop/ Breakfast Community Breakfast/ Lobby Workshop 8:00-8:45 am 8:00-9:00 am 8:15 – 8:45 am New Delegates Orientation Breakfast Transportation to the Hill – exact time TBA Jon Ellis 8:45-10:30 am 9 – 10:45 am 9:00–10:30 am JCPA Task Force Meetings Plenary/ Hill Briefing Domestic Plenary EOSJ Reflections on the New Congress Civility & The Responsibility of the Media IWJIHR 10:30 am – 3 pm Strategic Planning Meeting JSBOR 10:45am-12:00 pm Domestic Forums 10:45 am–12:45 pm Welcome and Opening Plenary Jewish Relations with the Churches Steve Gutow John Wimberly Connie Giles David Neff Plenum Co-Chairs Rev. Dr. Katharine Henderson Amb Michael Oren The Nexus of Service & Advocay for the Jewish Coalition on Literacy Leibel Fein Jon Rosenberg Geri Palast Civility in Elections & Political Life Miles Rapoport Nancy Tate Noam Neusner Lunch 1:00-1:30 pm 12:00-1:30 pm 11:00 am -2:00 pm Lunch Lunch on own Hill Visits (bring lunches to workshops) 1:30-3:00 pm 2:00 – 3:30 pm Plenary – Balancing Energy and Security in the Capitol Hill Reception context of Jewish values Rabbi David Saperstein James Woolsey Speaker - TBD Afternoon 1:30-2:45 pm 3:15-4:30 pm Israel/Int'l workshops (5) Domestic Workshops (5) 3:00–4:30 pm 4:45-5:30 pm Israel/Int'l forums Plenary Sec. Arne Duncan – invited February 4, 2011 PRELIMINARY DRAFT SCHEDULE FOR JCPA Plenum Civic Equality in Israel 5:30 – 6:15 pm Ken Jacobsen Plenary Speaker - TBD Face to Face: A Conversation about Faith Rep. Keith Ellison Genocide and Mass Atrocities: What is Rev. Dr. Katharine Henderson America's Role? Introduction – Edith Everett Felice Gaer David Sullivan Michael Abramowitz Reaching the Younger Generations about Israel Israel at the Discotheque Wayne Firestone Jennifer Mizrahi Peter Beinart William Daroff - moderator 4:45-6:15 pm Plenary Session Richard Trumka 6:15-7:30 pm Leadership Appeal Speakier – TBD Dinner 7:30 pm 6:15-8 pm Chair's Dinner Honoring Paul S. Berger and Dinner on own Debra Joyce Herman Berger, z"l Program JCPA Board Election and other business Presentation of Program Excellence Awards Presentation of Tikkun Olam Award to Paul Berger Dinner Evening 7:00-7:30 pm 8 – 8:45 pm Welcome / Havdalah Presentation of the Chernin Award (Shabbat ends at 6:50pm) 10:00 pm Senator Ron Wyden CRC Directors/ CRC Chairs Social - tentative 7:45-10:00 pm 8:45 pm Program Resolutions Engaging the Next Generation: What's up on Campuses? (Late night programs) Stephen Trachtenberg – moderator Student Panel Saturday, March 5 Sunday, March 6 Monday, March 7 Tuesday, March 8 Wednesday, March 9 February 4, 2011


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Biotech Stock Mailbag: Keryx Pharma
It's a reasonable argument to make, except, "If the earlier perifosine data are so good, why hasn't Keryx been bought out yet," asks Ratain.
Good question!
When Ratain and I were working on our JNCI paper, we recognized that one reason micro-cap cancer drug stocks had a perfectly dismal record with phase III trials is because the drugs being developed had already been vetted by both the market (i.e., investors) and larger, more successful cancer drug companies and found to have a low probability of success.
Cancer drugs are scarce and valuable commodities. Larger drug companies are way more likely to acquire, or at least partner with, a smaller drug company if that smaller company has a cancer drug in development with a strong shot at being successful.Keryx has already stated publicly that it hopes to attract a buyer for the company. Yet, as Keryx nears the end of its colon cancer phase III study, the company is still independent -- no perifosine buyer, no partner either. [Aeterna Zentaris (AEZS), which owns ex-U.S. rights to the drug, doesn't count.] What's more likely to have happened already, says Ratain (and I agree with him) is that larger companies have already vetted the previous perifosine data and found it lacking. That makes Keryx look very much like the 21 micro-cap cancer drug companies included in the analysis done by Ratain and myself for JNCI. And that's not the group you want to be associated with. Keryx and perifosine is an ideal, prospective test of whether stock market value can predict cancer drug trial outcomes. I'm looking forward to early next year when Keryx announces the perifosine results. Some quick hits: I mentioned on Twitter last week that Rodman & Renshaw was inviting investors to a "non-deal" road show for Cell Therapeutics (CTIC) in New York City on Oct. 19. To which Zacks analyst Jason Napodano (@JNapodano) replied, "There's no such thing as a "non-deal" show with R&R." So true. Expect Cell Therapeutics to raise money again real soon. Alan P. asks me to predict the outcome of the shareholder vote on the proposed merger between Amag Pharmaceuticals (AMAG) and Allos Therapeutics (ALTH). The vote is scheduled for Oct. 21.
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Home > Health Resources >
Here are some ideas on how to make your child's school lunch healthier: Make sandwiches using whole-wheat bread. If your child likes mayonnaise as a sandwich spread, choose the low-fat or nonfat variety. Chicken and turkey are good, lower-fat sandwich choices. Besides the sandwich, pack some baby carrots or cherry tomatoes, as well as fruit. A healthy alternative to soda as a lunch beverage is nonfat chocolate milk or plain milk.
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SYSTEMATIX Inc. manufactures high quality, factory automation systems for diverse industries. Our machines are used for assembly, inspection, testing and other processes. Currently, we are looking to add an Electrical Designer to our multi-disciplined team.
Creates electrical drawings and panel layouts in accordance with customer requirements, and external (CSA, ESA, OSHA, etc.) and company standards and policies using Auto CAD Electrical.
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I just wanna be like Akeelah, an achiever
from Common – The Game Lyrics on Genius
A play on words, referencing the movie "Akeelah and the Bee".
With the guidance of Lawrence Fishburne, she became an achiever.
To help improve the quality of the lyrics, visit "The Game" by Common Lyrics and leave a suggestion at the bottom of the page


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Nadine Dorries 'would have considered other options'
Nadine Dorries has said that she "would have considered other options if she had not been reinstated as a Conservative MP."
Dorries was suspended last year following her appearance on ITV show 'I'm A Celebrity Get Me Out Of Here'.
Her acceptance back into the Tory fold comes amid speculation over Tory defections to Ukip.
She told ITV News Political Editor Tom Bradby: "There is no secret that I want out of the European Union."
Read more: Nadine Dorries reinstated as Tory MP


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Le Cam and Golding in cash dash (From Daily Echo)
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Le Cam and Golding in cash dash
3:02pm Tuesday 5th February 2013 in Sport
JEAN Le Cam admits he will not sleep tonight as he aims to pip Hampshire's Mike Golding to fifth place in the Vendee Globe around the world solo yacht race.
The Frenchman has a narrow lead over Golding, and knows to finish fifth off the French port of Les Sables will see him bank 40,000 Euros – 10,000 more than Golding would get for finishing sixth.
"I have gusts of wind up to 35/40 knots and I am not in the hard part yet," Le Cam reported this afternoon.
"I expect the worst from the Bay of Biscay, the state sea is going to be awful.
"After all that I have endured in the Vendée Globe, I did not think I deserve this!
"I would like to reduce my speed and take a little break but I cannot because of Mike.
"I must manage my advance to ensure that 5th place.
"Clearly, I will not sleep until the arrival tomorrow."
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