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Is a short sale of my house a viable option?
February 11, 2010
I need to get out of my house, and it's not all due to financial reasons. Is short sale a viable option?
Over the last year and a half, my wife and I have been through utter hell. Many, many situations have come up that are stretching us to our emotional and financial limits. I'll spare you the details on anything but the relevant bits. I'm suffering from chronic stress to the point that I'm worried about being headed for a heart attack, and my wife has developed severe anxiety problems to the point where she doesn't feel comfortable driving or even leaving the house without me. We've both independently come to the conclusion that we
, not want, to move out of the area as soon as possible. We're planning on renting and staying within the state when we are able to get out. I'm trying to look into our options and minimize the damage, which is the focus of my question.
The house is in bad shape. We discovered and got rid of several areas of mold which were severely affecting my wife's health. The house was not well-maintained, which probably contributed to the mold problem and others. A lot of babies got thrown out with the moldy bathwater - we have no flooring other than the bare cement foundation throughout most of the house, the master bathroom is stripped to the studs and missing every fixture except a toilet, the cabinets and about 2 sheets' worth of drywall were removed from the kitchen. We cannot afford to hire anyone to fix the place, so we've been doing it all ourselves and learning as we go. We've put a lot of work and over $10k into the house so far, including remodeling the front bath and master bedroom, laying flooring, replumbing, etc. I doubt that my HOI will help me at all; the mold is already gone, it's never been assessed by a professional, and the mold wasn't localized to one problem with the house like a single leak (As a state, Florida learned all about separate claims and separate deductibles the year we had multiple hurricane hits).
We have a lot of debt. Most of mine was incurred at a time that we thought we could handle it, and now our situation is considerably worse than it was at the time. My wife has a great deal of debt in collection, mostly from a previous marriage in which she was literally starving. We haven't even started to touch her debt yet and have kept financially separate. The plan from the beginning was to take care of my obligations first and then tackle hers when we're ready.
Our house is underwater and will be for some time, even when you consider full market value rather than the house's actual condition. I'm current on all my payments right now, and all of our bills and
debt are current as well. Financially we have the ability to stay current on our payments for several more months, but can't continue to make any headway on our other problems at all - we're paying the minimums on our debt now, and the home repair costs are really eating into anything that's left over.
I contacted a real estate attorney through a friend and explained my situation to him. All he essentially said was that I should go for a short sale. This isn't his specialty, but he recommended a particular Realtor who works with short sales. I sent a long overview of our financial and personal situation, which was forwarded to the Realtor. When she called me yesterday, she confessed that she hadn't read the entire writeup, but the first question out of her mouth was, "how far are you behind in your mortgage payments?". She seemed surprised when I told her that we were current. I explained myself as best I could to try and clear up any misperceptions - I'm sure that most of the people who come to her are already at the ends of their financial ropes, and it's an easy enough assumption to make. After talking, I took away the following from her:
• We shouldn't bother doing any more work to the house; we'll never see the proceeds.
• We should stop paying on our mortgage now (!) to show hardship, and start negotiating a short sale after we're delinquent (very scary proposition)
• We wouldn't be responsible for the tax burden if the balance of the mortgage is forgiven (my checking confirms this part)
• We also wouldn't be responsible for the balance of the mortgage (this part doesn't jibe with what I've seen elsewhere)
• If we stop paying on the mortgage, we could even move before the sale - using the unmade mortgage monies to pay rent - and complete the process through her remotely.
What I gathered from her sounds wonderful, if that's the whole truth of the situation. Somehow I don't think it'll be this easy, though. I'm certainly not willing to make a move like this without a second opinion, which I'm seeking now from here and from other real estate professionals.
A look over our bank statements and charges would probably show that we're not completely broke - yet. We still manage to inexpensively go out one night a week, and we buy more for ourselves than just survival items. We have drastically cut back expenses in some areas, and we've had negative net cash flow for some time now. Still I don't think we could illustrate a pattern of complete financial ruin. In fact, I don't think we could conclusively demonstrate any single hardship that's "big enough" to justify this action. If we were to list our debts jointly, I think we probably could qualify for bankruptcy. Having the debts removed would help, but I fear that with all the protections around the primary residence in bankruptcy we could end up even more tied to this place.
This is a step that neither I nor my wife take lightly. I'm not normally the type to fall down on my obligations when I'm able to meet them, but a lot has gone into this decision. I'm not completely averse to any risk, but want some assurances that we'll be able to survive somehow if we walk away from this house. I'm not good with negotiations, and would much prefer to have a Realtor or attorney take care of any dealings with my lender.
Other relevant information: We're in Central Florida, and we plan to stay in Florida but move to a different part of the state when we get the chance. We plan to rent a house and do not have any major purchases planned that would require a decent credit score. I work from home, so will not have to change jobs.
Credit checks are standard for employment in my line of work, so if I were to lose my job a short sale could affect my future employability (also, isn't there a box on most applications asking if there are any judgements or liens against you?), but as I said earlier I'm willing to take a risk. I'm also willing to sign a promissory note as part of the short sale, so long as the payments allow me enough left over to keep us fed, clothed, and sheltered. I imagine that I'll need to find out my limits of acceptability and give my representative authorization to work within those lines… Am I correct that this is how the game is played?
Any and all advice welcome. Please be gentle. I can't possibly convey to you how much we've been through, and it's hard to make reasoned decisions from where I'm sitting. About the debt - some of it was frivolous, but it was under control before we walked into WWIII and some of the reasons for going into debt were quite legitimate in my mind.
Income: ~$96k / year
Credit Card Debt: ~$45k, min payment ~$1070 / month
Auto Loan: ~$17k, payment $455 / month
Wife's Debt: Still compiling information, but probably around $20k currently in collection or default
Lived in house as my primary residence since 1999, refinanced twice.
Only one mortgage on the property at a fixed rate.
Market Value (Zillow): ~$135k
Mortgaged: ~$182k, payment $1200/month
Tax Burden: ~$1800/year
HOI: ~$1900/year
Throwaway email: email@example.com
posted by
Home & Garden
(10 answers total)
Caution: depending on where you live, a short sale can take a VERY long time to go through. I put an offer down and waited four months before I had to back out of the sale to rent an apartment close to my work. This happens a lot, and every time a buyer like me does that (sorry, I couldn't handle a 4-hour commute to work while doing graduate school), you have to start the process all over again.
The thing that takes so long is this: the bank you got the mortgage through has to agree to the sale for it to go through. And say that the bank does. It still can take months to process the transaction, and longer still if you have more than one bank involved with the mortgage--each one has to agree. Not many banks are happy to take that sort of loss, and it's very hard to get them to accept a short sale until you're in even more dire financial straits than you appear to be. Your credit takes a very serious hit in the process, and it's hard to recover from.
Have you considered renting out some livable part of your house? I don't know if it'll help balance your debt/ income ratio, but it's pretty common and can bring in $500-600 a month even if it's a single room. (the one without the bare studs and cement floor, I dunno). If you've got a working bathroom in the house and a kitchen, you might be able to find a tenant. Best case scenario, use the money to finish the repairs, and if you still want to move, rent the place out after you go to take care of most/ all of the mortgage. It's a pain, but it keeps you paying on the mortgage, and you may be able to use the equity you build to help pay down your other debts as you go along.
Again, this depends on the part of the country that you're living in--I know nothing of Florida. If the housing market is booming near you, you might be able to sell relatively quickly, and maybe get more of the value out of the house than you think. In some areas investors are snapping up properties to be converted into rentals because prices are so low. They pay cash, which makes the banks happy and willing to move things along.
I'm basing this on my attempt to buy a short sale and the experience of a friend who was in a similar situation, and I don't claim any expertise in this matter. If you're serious, talk to your bank.
posted by
on February 11, 2010
I think your second opinion should be from an attorney, not a real estate agent. What do you plan on doing if the realtor gives them bad advice, sue them for giving bad advice? They're not your lawyer, and they won't be held to the same standard that a lawyer will. Getting advice from a lawyer serves three purposes: 1) The advice is theoretically more sound than what you'd get from a realtor, 2) the lawyer's loyalty lies only with you, which can't always be said about realtors, and 3) the lawyer is VERY likely to have malpractice insurance, so if he screws up, you have options.
Caveat: I'm not your lawyer and I don't practice real estate law. I hope you can make a good decision here, it's obvious you're trying to put a lot of thought into your course of action.
posted by
on February 11, 2010
Why are you considering a short sale rather than simply walking away from the mortgage? As
this New York Times piece
very eloquently points out, that's exactly what your bank would do if they owned a property that was underwater.
I appreciate your sense of duty to make good on your prior commitments, but your mortgage company has as much responsibility for this situation as you, and it is unfair that you should carry all the burden.
posted by
on February 11, 2010
Presumably the op is not walking away because he indicated that he works in and industry for which credit checks are a condition of employment.
posted by
on February 11, 2010
I am a banker who has been in mortgage lending and collections for ten years. While I am not your lender and can't speak for them, I do mortgage loans every day and have collected and foreclosed on them as well.
First-in talking to a realtor who specializes in short sales, you are not getting unbiased advice. Your first call should be to your lender. Explain the situation and that you want to know if they would consider a short sale. Ideally, you want to talk to someone in loss mitigation rather than your garden variety customer service/collection person. If your mortgage is with a huge bank halfway across the country, you may have less luck with this but I'd start there. They may be willing to play ball, especially seeing as you are in FL, which has had more than its fair share of short sales recently. Moreover, her assumption that you are not going to be responsible for the leftover balance is mistaken. Sometimes you are and sometimes you are not. I know some states do not allow judgments after a short sale but most do.
Keep in mind that the whole short sale discussion is predicated on the idea that you could sell it. Is this even realistic to think about in your area?
Second-be very careful in deciding not to make your mortgage payments. This will trash your credit and even landlords check credit these days before renting a place out. So when you say you have no big purchases coming up, that's not really true. You need a place to live and a landlord who sees that you defaulted on a mortgage isn't going to see you as a great credit risk. Nor is your insurance company who also runs your credit to set your rate, and of course your future employers. Moreover, if you decide to stop making payments when you still have the money, that's not going to buy you much credbility with the lender who you are hoping to negotiate a short sale with. Yes, defaulting will get their attention, but at what cost?
My advice...
1. Don't worry about your wife's debt right now. It's already in collections and is already ruining her credit. Focus on fixing what you can.
2. Can you do anything about the car payment just to ease up the cash flow? With that kind of balance, the payments seem high. Contact a local bank or credit union you trust and stretch those payments out as far as you can to free up some cash flow for yourself. This is normally bad advice but in your case, given your situation, best thing is to free up monthly cash. Your credit is still good so fix this while you can. Same for your credit cards. Call them up, ask about lower rates. Be careful settling for less than is owed as it does damage your credit, but not nearly as much as foreclosure does. Try to negotiate that monthly expenditure down to give yourself some breathing room.
3. Get on the phone with your lender. They don't want you to default. Ask for help. It may be available in the form of a loan mod or something similar.
4. Contact your HOI provider. You never know. If the problem was internal water (ie pipes) you may get a decent adjuster and get a break on something.
5. Talk to some local realtors. What are the odds you could sell the place at a price that the bank would go for, even in short sale?
5. Calm down. You will make it through this, both of you. Financial ruin is not the end of the world and lots of people are in this boat with you. If none of this works, talk to a credit counselor (a reputable one) and seriously consider bankruptcy.
Speaking as a lender, bankruptcy is more common than you think. If it happens, it'll suck for a few years but you will bounce back. However, I have to tell you, foreclosure seems less common and is a nasty business. Avoid this if you can.
I realize you want to be able to walk away from the mortgage and the house. Recognize that this might not be possible or even desirable, long term. If you can get rid of everything else through bankruptcy, maybe you can make the house livable, at least for a couple years until the market bounces back and you can sell it for what its worth.
posted by
on February 11, 2010 [
2 favorites
IANYL or accountant or your anything else...but here's what I would do if I were in your shoes:
--stop making mortgage payments
--put enough money aside to get into an apartment when the time comes
--throw all extra money at your debts
--when the house forecloses move into as cheap a place as you can find
--pay off your debts ASAP (with $96k income and $85k debt you can easily have all of your debts paid off in less than two years if you live frugally for a couple of years)
Side notes:
--a foreclosure isn't as bad as a bankruptcy on your credit report
--LOTS of people have less than stellar credit these days, don't know how much this will impact your business
--a short sale seems highly unlikely by the description of your home's current condition (ie: the bank may short sale $20k-$50k but not $100k)
--STOP using credit and debt to finance your lifestyle! If you don't have the cash to pay for something, you can't afford it!
--take Dave Ramsey's Financial Peace University class with your wife, it may make you lots less stressed and give you more hope for getting out of debt
--you may still be forced into bankruptcy because of the house but hopefully by the time that debt rolls around you may be able to make a settlement offer with the bank and actually have the money to pay it because by then all of your other debts will be paid off and you will still be earning $100k per year
Good luck and RELAX...this isn't the end of the world even though it feels like it
posted by
on February 11, 2010 [
1 favorite
I'm going to be slightly contrary and say that late payments are worse than bankruptcy for your FICO score. A bankruptcy with no late payments is pretty easy to recover from in short order as long as you keep some credit lines open through the process so you have a continuation of good payment history.
The point being, do what you have to do before it gets to the point that you can't pay your bills. Most everyone considers knowing when to cut your losses and move forward a mark of good character.
If Florida is a recourse state, you are correct that they can come after you for the remainder of the mortgage. If not, they can't. Period. You give up the collateral and you no longer owe them any money. If the Realtor told you that you wouldn't be on the hook for the money, they are probably correct unless there's something unusual about your history with the house or you lied on your loan application.
Even if Florida is a recourse state, you can always file for bankruptcy and give up the house. You're not required to affirm any debts you don't want to.
Either way, don't be scared of bankruptcy. It's not a big deal unless you are the sort that
credit. It won't even keep you from getting a house somewhere else in a couple of years. They'll just want to know why you had to take that route. Saying you were $200,000 underwater on your mortgage and your wife had $20,000 in delinquent debt and describing the steps you've taken to prevent a recurrence of the situation will be all that is required.
posted by
on February 11, 2010
Nthing MsKim's advice, especially Dave Ramsey for your non-house debt. I've recently met several young couples in over their heads who cut their mega debt down to zero in a couple years.
posted by
on February 12, 2010
Some folks are recommending foreclosure, but you may want to listen to this
NPR podcast interview
with a real estate lawyer regarding "strategic defaults". Her advice is specific to Arizona, but she does make an interesting point that you can't compel your mortgage holder to foreclose on you, and it may not be in their interest to do so. Regardless, someone like her might be worth talking to; it sounds like a common situation these days.
posted by
on February 12, 2010
I am not your lawyer, etc., and I do not have firsthand experience with consumer bankruptcy. I have no idea how "bad" a bankruptcy is for your credit score, but I'd expect it's pretty bad.
The reason why I'm responding at all is that you seem to have some misconceptions about bankruptcy. There is no need to "qualify" for bk -- you don't have to prove that you have negative net worth, for example. However, there is now something called the "means test" which generally works by looking at your income and expenses and forcing you into Chapter 13 if you make too much money (according to the test). The "protections around the primary residence" that you speak of are drastically different in a Chapter 7 (liquidation) and a Chapter 13. Again, speaking very roughly, home mortgage creditors are in a far better position (and you in a worse position) in a 13. Even in this case, a lawyer with experience in consumer bk could advise you on your options.
This is all by way of confirming what others have said above: if you possibly can you should contact an attorney, and if you're considering bankruptcy you should (also) contact a bankruptcy attorney.
posted by
lex mercatoria
on February 12, 2010
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John has started his re-look at team's top prospects for half way through the year over at minorleagueball,com. While he has yet to post the Dodger list, he says they are next. Here is the list that he produced December 26th... Lets see what the TBLA community thinks the list should like now,,,
1) Dee Gordon, SS, Grade B+: Terrific '09 season in the Midwest League. Tremendous tools, especially speed, but needs to polish defense. Plate discipline at higher levels may also be an issue, but overall I love this guy.
2) Chris Withrow, RHP, Grade B+: Needs to improve his command, but stuff is excellent and he was rather inexperienced for the California League. If he lowers the walks and stays healthy, has number one/two potential, but they really need to give him time to sharpen his control and gain experience.
3) Ethan Martin, RHP, Grade B: Similar to Withrow: great fastball/curveball combo, has dominance potential but needs to sharpen control.
4) Aaron Miller, LHP, Grade B: Ceiling isn't quite as high as Martin and Withrow, but I like his combination of athleticism, stuff, and better-than-anticipated pitchability.
5) Josh Lindblom, RHP, Grade B: Hard sinking fastball/curveball combo should work very well in relief, could be a closer eventually.
6) Scott Elbert, LHP, Grade B-: Power lefty stuff is very attractive, but command and durability issues keep him from a higher grade in my opinion. Dodgers fans are really in love with him.
7) Andrew Lambo, OF, Grade B-: I think he's better than he looked last year, doesn't turn 22 until August, could put up huge numbers in Albuquerque thin air. I don't think he'll be a star but I can see him as a solid player. People were too enthusiastic about him entering '09 and are probably too negative entering '10.
8) Garrett Gould, RHP, Grade B-: Hard-throwing athletic high school pitcher could follow in the footsteps of Withrow and Martin.
9) Ivan DeJesus, Jr, SS, Grade B-: Down one notch due to lost injury season, will have to see how the recovery goes, won't stand in Gordon's way in the long run but should have a good career.
10) Allen Webster, RHP, Grade C+: Another high-ceiling young arm, greatly improved his command in 2009.
11) Trayvon Robinson, OF, Grade C+: Toolsy outfielder had breakthrough season repeating the California League. Want to see him repeat this against better competition before I buy in completely.
12) Kenley Jansen, RHP, Grade C+: Catcher conversion drawing notice this fall/winter with 8527 MPH fastball. Not really, but you'd expect that given the hype he's already getting. Let's see if he can throw strikes.
13) Nate Eovaldi, RHP, Grade C+: Dodgers fans like him a lot more than this, but his performance has not lived up to scouting reports yet. Command issues hold him back from higher ranking for me.
14) Kyle Russell, OF, Grade C+: Loads of power, can steal a base, draws walks, also struck out 180 times as a college player in the Midwest League. Left-handed-hitting Rob Deer?
15) Brett Wallach, RHP, Grade C+: The Dodgers love bloodlines. I like the scouting reports about Wallach but we need a larger sample size.
16) Jonathan Garcia, OF, Grade C+: Toolsy outfielder from Puerto Rico did well in the Arizona Rookie League, showing more polish than expected, though he'll need to show plate discipline at higher levels.
17) Lucas May, C, Grade C: Made progress with the bat, but he was repeating the level and defense is still an issue with 20 passed balls in 65 games.
18) Xavier Paul, OF, Grade C: Season ruined by injuries. I still think he can be a solid fourth/fifth outfielder.
19) Tony Delmonico, C, Grade C: I like his bat, but he needs more work behind the plate.
20) Pedro Baez, 3B, Grade C: Still has the impressive power potential, but lots of problems with the strike zone.

subset: commoncrawl


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It's Bravo, the most popular teenage magazine in Germany and one of the most widely read general-interest youth publications in Europe. Target reader age: 10 and up.
Sandra's parents gave permission for her to pose nude. Her spread comes in the same issue as a free sheet of fake tattoos, a feature about Harry Potter, and an exclusive report on the German boy band currently making girls swoon.
Bravo's editors say the full-frontal pictures are intended not to be lewd, but to be instructive and reassuring to teenagers just learning about the birds and the bees.
Source: The Charlotte Observer
The images aren't intended to be salacious or pornographic; instead, they are intended to help teens feel more comfortable about and with their bodies. They accompany a regular column by "Dr. Sommer," which answers teens' questions about sex, sexuality, and their personal lives.
"I am often asked if it's even necessary. People think our society is very sexualized, and naked bodies and sex are everywhere, and young people should know everything. But they don't know anything sometimes." [said Eveline von Arx, who has been writing the Dr. Sommer column for three years]
Each weekly issue of Bravo now features photos of two nude teenagers - male and female, generally between the ages of 16 and 20. The feature is called "That's Me," and the pictured teenagers talk about their bodies and their experiences with love and sex.
You can bet that conservative evangelical Christians would complain that such features only "encourage" sexual behavior, but it's fact that teen pregnancy in Europe and Germany is much lower than in America.
[Bravo's deputy editor-in-chief, Alex] Gernandt points to Germany's lower teenage pregnancy rate as proof of which approach is better.
About 85 out of 1,000 U.S. young people ages 15 to 19 become pregnant, compared with 16 out of every 1,000 in Germany.
"We are more liberated," he says. "We try to deal with (sex) as something normal."
In Europe, adults have come to terms with the fact that teens will have sex so efforts are invested more into making sure that sexual behavior is conducted wisely, safely, and responsibly. Adults in America resist this and deny that sexual behavior among teens is inevitable. I suppose I should use the term "adult" here loosely, since it's probably a sign of adulthood that one is able to accept what reality is and is able to deal with reality rather than their own wishful thinking.
Christian Right & Christian Nationalism:
i grew up an American in Germany, from ages 9 to 18 (84 to 94). Their attitudes towards sex/nudity, substances and socioeconomics are far advanced of our own. The have some issues with free speech and individualism, but overall they were doing pretty well. i watched the wall fall and the economy grow.
Of course it is easier to have great social programs when your defense is provided by another country. But that's another topic. The point is….
Liberal attitudes allow people to learn for themselves and think for themselves. When they can do that, they tend to make better choices. If having legalized prostitution reduces spread of STDs and the incidence of rape, great! If letting kids drink booze early on means they are less likely to binge drink, drink and drive or become alcoholics, awesome! And so on.
Military graft and corruption do not defend freedoms. People using their freedoms defend freedom. The Cold War was as bogus as the War on Terror. The Russians offered Eisenhower a chance to end the arms race, but he turned it down.
Money is not the root of all evil. Instead, it amplifies all evil. The combination of teenage nudity and money would probably unleash a storm of corruption over here. (Then maybe not.)
"The Russians offered Eisenhower a chance to end the arms race, but he turned it down."
John Hank is a historical idiot. Russia didn't even exist until after the Cold War ended. The SOVIET UNION began to fail when Konstantin Chernenko DIED. The end of the Cold War began when Mikhail Gorbachev came to power.
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On The Line Podcast: Week 2
Bud Elliott from Tomahawknation.com and Adam Kramer from the Kegs N' Eggs Blog join Drew Collins to discuss what went on during the first week of college football. On this week's podcast the crew discuss some nice covers and bad beats from Week 1 and then give their thoughts on the full slate of games for Week 2. Adam, Bud, and Drew all like the Under in the Bama-Penn State match-up as well as totals in the UGA/USC & ND/Michigan games. Have a listen.


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I've always liked Kessler and I just watched his fight with Calzaghe and he did pretty good. I had it 8-3-1 for Calzaghe. I hate Joe's guts he has to be my least favorite fighter of all time but he looked very good in this fight, IMO better than his performances over 43 year old Hopkins and a shot Roy Jones Jr. I think this was Calzaghe's best win because he was fighting a real talented young fighter.
Anyway, the pace seemed to be too much for Kessler and I have to give Calzgahe credit for conditioning he has insane stamina.
How would Kessler do against Dawson and Bute? He is clearly a level above everyone else at SMW..except maybe Taylor.


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Ireland: Wild Atlantic Way Set to Open in MarchBy Larry Habegger and Dani Burlison | Permalink | No Comments | December 20th, 2013 | Trackback
Visitor numbers are up in Ireland and Tourism Ireland officials are hoping to keep it that way, luring more travelers to the west with The Wild Atlantic Way, a coastal touring route set to open in March 2014. Running 1500 miles along the west coast from the Inishowen Peninsula in Donegal to the southern region of Kinsale in County Cork, the route connects many of Ireland's finest attractions, including the Cliffs of Moher and the Ring of Kerry. Officials expect the route to bring more visitors, but there's no need to wait for the route to be official. These areas have always been accessible by scenic roads.
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Speed bounce champion leaps to national success (From Crewe Guardian)
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Speed bounce champion leaps to national success
7:00am Sunday 13th April 2014 in Sport
A Sandbach Boys' School student enjoyed national success after leaping to victory in the UK Sportshall Speed Bounce final.
Jack Williamson, from Leighton, was crowned the Speed Bounce under 13s boys' national champion in the UK final at Manchester's Sportcity.
The 12-year-old saw off competitors from the UK and Northern Ireland with a gold medal-winning score of 92 – one bounce off the UK record.
Speed Bounce events are part of the Sportshall series, designed for encouraging indoor competition among school students.
Competitors are required to perform as many two-footed jumps, taking off and landing on both feet, over a wedge as possible in a certain time period.
Williamson qualified for the national final after claiming two golds at regional level, speed bounce and obstacle relay, and a bronze in the six-lap paarluff.
He added to his UK speed bounce gold with a silver medal while representing the north west in the obstacle relay alongside Cheshire teammates Jacob Birtles, Kian Nolan and Marcus Grayson.


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Local restaurant helps give back to detective's family
WEST ALLIS -- A West Allis detective will be laid to rest tomorrow - Stacie Napoli died last week after giving birth to twins. Her husband now faces the task of raising the twins without his wife. But he's not alone.
Donations are pouring in for the Napoli family from Sobelman's Pub and Grill. Owner Dave Sobelman never met Stacie. But, as a husband and father, he was inspired to help her family.
Stacie Napoli's twins may have lost their mother, but they have a community behind them.
"It sounds like she was a very loving person," remarks Wendy Audley of Merton. "Just having that memory and to have people talk about their mom to them - I'm sure that they'll have a wonderful life."
Sobelman's is donating a dollar for each burger sold today, to the Stacie Napoli fund. Customers also donated money in this blue bucket.
"I'm sure it doesn't help ease the pain, but it's going to help the family through a tough time right now," adds Audley.
It's normally packed here on Sundays, but this crowd is more than they usually get. A lot of customers traveled from near and far specifically to help the family.
Alice Lippe didn't know the family either - but the news of Napoli's untimely death touched her.
"I thought it was very tragic, being a mother and a grandmother myself," says Lippe. We had been talking about coming here to eat at some point this winter, and when we heard about this, we decided, let's go on Sunday."
Owner Dave Sobelman says the money for the twins, Ellie and Parker, has been pouring in.
"I think we can get to $1,000 easily," notes Sobelman. "I'm going to probably give up about $800 or so from the burgers. One customer Friday night came in with a $200 check."
I talked to one of Stacie's co-workers from the West Allis Police Department. He tells TODAY'S TMJ4 even though the twins were born premature, they are doing well.
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wintery moscow: where people wear fur and lamposts wear scarves
We barely scratched the surface but still enjoyed our sampling of sprawling, bustling, glitsy Moscow in wintertime. First step, learning to navigate the extensive metro system. The tricky part: it's all in Cyrillic We could have passed the entire day … Continue reading
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What do Life after Drogba mean for chelsea? Chelsea will of to adopt a different playing system to suit the strengths of
Torres. Torres flourish at liverpool playing in a 4-2-3-1 system with steve G playing in the hole and javier mascherano and xabi alonso in the double pivot.
after the jump we'll look at how key these players in the hole and pivot can help get the best out of Torres
when using a double pivot its important to get the right pairing;
A deep-lying midfielder: who's main job in the pivot is to spray pass to the wings or balls over the top to the forward to run on to when counter-attacking. Its also key for this player maintaining possession and dictating the flow of the game and to be an expert of manipulator the football as well as reading the game.(xabi alonso,sahin,xavi,modric)
destroyer: main purpose of having a destroyer is to shoulder the work for his deep-lying midfield to control the game tempo.Being a destroyer your main purpose on the team is mainly to do the dirty work( break up play and win the ball and pass it off to the more talented players). mascherano,mikel.parker,lucas
Playing in the hole behind Torres you'll require to have great vision and creativity to match his excellent off the ball movement to unlock a defence so having a good close control and being technical sound would help to give you the time that's needed to spot his run. (mata.silva.ozil)
note:To either side of the playmaker, there are two wider players whose job it is to create chances from the flanks as well as cutting in.There is also an onus on these three players to help out defensively, particularly those playing in the wide roles. When on the back foot, these players should be helping their full-backs, and the formation will look more like a 4-4-1-1.
Its safe to say in order for Torres to successful at chelsea we'll of to more of an passing team that move the ball at speed to help torres can find space while the defence is shifting
ps i really think we could use an walcott type of winger in the team


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11 Broadway Shows Turned Films from the 2000s
With "Jersey Boys" hitting theaters this Friday, we look back at some other recent jumps from Broadway to film!
11 Broadway Shows Turned Films from the 2000s
With "Jersey Boys" hitting theaters this Friday, we look back at some other recent jumps from Broadway to film!
Bryce Pinkham's 7 Strategies for a Long and Successful Acting Career
Pinkham stars opposite Jefferson Mays in the new Broadway musical "A Gentleman's Guide to Love & Murder," which starts previews Oct. 22.
Auditions Announced for Broadway 'Breakfast at Tiffany's'
Casting directors Ilene Starger and Zoe E. Rotter are holding auditions in October for a new stage adaptation of Truman Capote's classic 1958 novella, starring Emilia Clarke as Holly Golightly.
CD Duncan Stewart's Submission and Audition Advice
The casting director of "Chicago," "La Cage aux Folles," and more on getting cast.
5 Acting Tips from 'Vanya and Sonia and Masha and Spike's' Billy Magnussen
Magnussen chatted with Backstage about his worst audition, his fitness regime, and how to get the roles you want.
Tony Nominee Patina Miller Makes Magic in 'Pippin' on Broadway
Two-time Tony nominee Patina Miller re-invents the central role of the Leading Player in Diane Paulus' circus-filled revival of Stephen Schwartz's "Pippin."
Nora Ephron's 'Lucky Guy' Begins Casting, Opening on Broadway in 2013
Casting directors Jordan Thaler and Heidi Griffiths are holding auditions in early October for the late Ephron's last play, set to open on Broadway in 2013 with Tom Hanks.
5 Great Theater Destinations for the Vacationing Actor
If you're looking for a vacation filled with live theater and memorable performances, consider one of these cool destinations!
Which Regional Musicals Might Be Coming To Broadway?
Some of the buzziest musicals this year, such as "Honeymoon in Vegas," "Sense & Sensibility The Musical," "Fly by Night," and "Zorro," aren't on Broadway. Yet!
'Smash' Recap: Episode 14, 'The Phenomenon'
This week on "Smash," Kyle is dead. Also, Kyle is dead. Some other stuff happened in between there. Jimmy sang a song to himself. Karen artfully removed six strands of hair from her intentionally messy side-braid. Megan Hilty waited around for her plotline to come back. But mostly, Kyle is ...


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The mystique of magic depends on hiding the technique of the original trick, and no legal steps
the secrets behind the tricks. Since the be- can be taken to keep it secret.
ginning of modern stage magic, organizations On the other hand, if the aforementioned bullet-such as the Society of American Magicians and the catching routine relied on a special mechanism to
International Brotherhood of Magicians have enforced perform the trick, a patent could be issued. Inventions
codes of ethics and oaths of secrecy, to prevent the such as levitation harnesses, magic hats, or anything
willful exposure of secrets to the public and, maybe that constitutes a "conjuring device" are eligible
even more importantly, to recognize and respect the for patents, and can be successfully protected. But
ownership rights of magic effects inventors. then, of course, the patented invention is no longer
Unfortunately, some knaves will break these a secret, and a clever person will be able to create
codes in order to steal a particularly astonishing an effect just different enough to fall outside the
effect. This means magicians must resort to copy- claims of the patent.
rights and patents to protect their inventions. The tradeoff between protecting an effect and
Copyrighting a magic trick can protect the holder, revealing the secret behind it wasn't too bad until the
but only so far. For instance, say an illusionist had web began linking to patent databases. But today,
a big dance number that involves a new bullet- the gimmicks behind countless tricks are available at
catching technique. The entire routine could be your fingertips. For some examples of secrets behind
copyrighted and no other magician could legally well-known tricks, go to google.com/patents and
reproduce the act. But copyrighting doesn't protect search for the patent numbers provided here.
Saw a Person
in Half
This 1923 patent by
Horace Goldin was the
first for sawing a woman
in half, and although
it was not the last,
it did a lot for boosting
this trick's exposure.
(no. 1458575)
Make: 75
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Mitchell Guttman is a new assistant professor of biology on campus. He just arrived last month, having recently completed a fellowship at the Broad Institute of MIT and Harvard.
Determining cause and effect is complex and fraught with difficulty, from our intuitive—but often mistaken—sense of the causes of events in our daily lives to the perils of structuring and inte
On Sunday, September 22, Caltech extended a formal welcome to new undergraduate students, graduate students, parents of new students, and postdoctoral scholars at its 11th annual Convocation at Bec
When certain cells in our bodies are missing or nonfunctional, the only current options are to treat the symptoms with drugs or try to acquire transplants.
The Indian Department of Space / Indian Space Research Organisation (ISRO) has established a fellowship at the California Institute of Technology (Caltech) in the name of Satish Dhawan (1920–2002),


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"Anderson recognized he played, right? Now he has to talk to his team and review concepts. No one can judge nobody but I really think he played so much. I didn't think how I would act on Demian Maia's shoes but I think he did what he could and acted correctly. Anderson is very, very good and Maia tried all the ways. It's complicated. Perhaps we would watch a balanced fight on the floor".
Mauricio "Shogun" Rua shared his remarks on Silva-Maia match last Saturday in an interview to Abril.com in which he affirmed the desire of fighting the middleweight champion if he does fight in the light heavyweight division, as it has been rumoured for some time. Shogun says there's no perfect formula to beat Anderson but the answers for a potential clash among them is "yes". What would be the right game plan to stop Silva? What Shogun could do smash the Spider and interrupt his undeafeated status in the UFC? Split your thoughts right here, maniacs.


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Humanist philosopher, writer, Renaissance architect and artistic theorist, Leon Battista Alberti (also Battista Alberti; sometimes spelled Leo or Leone Battista Alberti) is considered by many scholars to be the quintessential Renaissance "universal man" of learning. In addition to painting, designing buildings, and writing scientific, artistic and philosophical treatises, Leon Battista Alberti wrote the first book on Italian grammar and a groundbreaking work on cryptography. He is credited with inventing the cypher wheel, and it was said that from a standing position, with his feet together, Leon Battista Alberti could jump over a man's head.
Battista Alberti was born into a wealthy Florentine family, and although he and his brother were illegitimate, both were well-loved and cared for by their father, Lorenzo Alberti, and received all the benefits of education available. Battista (he took on the name "Leo" or "Leon" later in life) acquired a love of mathematics from his father, which would serve him well in the field of art as well as engineering.
At about age 10 Battista went to a boarding school in Padua, where he received classical training in Latin and literature and became an accomplished writer. At age 20 he wrote a Latin comedy that was proclaimed the work of an ancient Roman playwright, and which was still published as such in the late 16th century. Battista's formal education was completed at the University of Bologna, where he received a doctorate in canon law in 1428.
But law held no great allure for Battista Alberti, and he chose instead to accept the position of a literary secretary. Taking holy orders, he became a secretary in the Papal Chancery and took on a commission from an ecclesiastical patron to rewrite the lives of the saints in classical Latin. Thenceforward Alberti earned his livelihood from the Church; but although he stuck to his vows and led a clean and celibate life, his interests were largely secular.
Alberti's position in the Chancery gave him opportunities to travel and meet a variety of important people of the day. Influenced and inspired by some of these friends and colleagues, Alberti wrote on a range of subjects, from philosophical dialogues to technical treatises to the observations on the principles of art and architecture for which he is best known.
One of Alberti's earliest significant works was Della famiglia (On the Family); it is the first of several dialogues on moral philosophy, written in the vernacular, for a population not tutored in Latin. In these moral dialogues, Battista Alberti combined the ethical ideals of ancient Rome with a contemporary viewpoint that valued labor as a virtue -- a particularly humanistic outlook.
Leon Battista Alberti could and did paint, but barely a painting of his survives. However, in 1435 he wrote the book On Painting, which set out the rules for drawing a three-dimensional picture on a two-dimensional surface for the first time. These principles of perspective had been rediscovered and demonstrated by Filippo Brunelleschi. Leon Battista Alberti's work coalesced these ideas and set them forth with clarity; On Painting would guide dozens of Renaissance artists in producing more realistic, perspectival artwork.
Alberti did not confine himself to philosophy and art. He developed a friendship with the Florentine cosmographer Paolo Toscanelli, who would later provide Columbus with the map that guided him on his first voyage. They collaborated on studies in astronomy; and, probably strongly influenced by Toscanelli, Alberti would produce a treatise on geography that laid out the rules for surveying and mapping a land area. Later geographical depictions of the 15th and 16th centuries, notable for their advances in accuracy, would be produced with the instruments and methods Leon Battista Alberti described in this treatise.
In 1438, Alberti met the Marchese Leonello at the Este court in Ferrara. Leonello encouraged Alberti to turn his attentions to the field of architecture. Alberti's earliest work still stands: a miniature triumphal arch, which supports a statue of Leonello's father on horseback. At Leonello's urging, Alberti undertook a thorough study of architectural theory and began restoring the text of the architect and architectural theorist Vitruvius of classical Rome.
When Nicholas V became pope in 1447, Alberti became his architectural advisor. Alberti and Nicholas collaborated on a series of building projects in Rome, including the reconstruction of St. Peter's and the Vatican Palace. In 1452 Alberti at long last completed his study of Vitruvius and finished his own completely new architectural text, De re aedificatoria (Ten Books on Architecture). This monumental work would serve as a guideline for virtually all succeeding Renaissance architecture.
For the next two decades, Leon Battista Alberti contributed to a number of notable buildings, including the facades of Sta. Maria Novella and the Palazzo Rucellai, the Tempio Malatestiano, and the Church of San Andrea. Though he continued to travel to various cities and courts of Renaissance Italy, Rome and Florence remained significant to his outlook.
In the tradition of civic Humanism, Leon Battista Alberti always turned his talents to the kind of work that would benefit others, be it writing instructional guides or designing buildings of worship. His last dialogue was De iciarchia (On the Man of Excellence and Ruler of His Family), a prime example of the public spirit that had come to characterize his work and his life. He died several years later, in Rome, at the age of 68.


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An Interesting IDB update! And how IDB got even faster. IDB is fast, reliable, and FREE to use. Just join and start posting!
Sandy Hook Scam Confirmed: Hard Evidence of Foreknowledge?
Sandy Hook Scam Confirmed: Hard Evidence of Foreknowledge?
Updated: January 14, 12:00 a.m.
Sandy Hook was staged. The purpose is to rob Americans of their guns and force them deeper into tyranny. It is also to create a cover-up for the Fast and Furious debacle, where both the Holder Justice Department and the Obama White House will likely be brought up on murder charges. That crisis involved gun running by the Obama White House, which led to the murder of Border Patrol Agent Brian Terry, along with hundreds of others. It was Terry who was murdered while protecting this country by Holder's Fast and Furious guns.
To bury the crimes of the Obama regime a cover-up, a scam of unprecedented proportions, was required, and Sandy Hook achieved this. Bit by bit brave Americans, as well as foreign nations, have systematically revealed this scam. They are to be commended for their efforts, many of them researching relentless in their search for not only truth but also justice.
This act was perpetrated by the combined forces of the Zionist-controlled media, Mossad-like operatives, and the federal government. The money for this hoax was extracted from the taxpayer largess, which makes this a doubly evil crime.
This conspiracy involves a vast number of individuals, all working vigorously against the peoples' interest. A key objective is to exploit the hoax to mobilizes forces against guns rights. One of these individuals who is involved in the premeditated attempt to impugn the right to bear arms is Cheri Lovre, and it is she who helped confirm the scope of this crime.
Lovre is the owner of an entity called Crisis Management Institute. The Institute provides a kind of social working platform to aid children enduring a wide range of disasters, including school shootings. Purportedly to assist the students of Sandy Hook she produced a PDF called "Talking with Children/Students About the Sandy Hook Shooting." The only problem is it was apparently
created on or before December 10th created before December 14, because it was posted before this time. As alerted by one poster the date of last modification of the PDF is December 14. However, was this really posted four days before the shooting? That can be seen in the screen shot above, which clearly records the 10th day of the month. T he following screen shot was taken directly from the Word-Press code on her Website, cmionline.org, on January 9th and, of note, nothing has been altered or manipulated. If studied closely, the number "10″ in the date code is seen (that screen shot removed).
One poster has added since this blog was first published that the time of uploading of the actual document on the parent Website is not within that code, but the last time of modification is known, which is December 14. This level of activity combined with the specific actions of Lovre's site against the AR-15 raises a high level of suspicion. This is especially true since the entire media campaign has been aimed at banning such weapons.
How was this posting of the Arlington Devils discovered? An alert Internet sleuth, posting on GodLikeForums.com, found a link to a school Website to Lovre's PDF, as follows: http://www.arlingtonlocalschools.com/news/2012/12/10/talking-with-your-child-about-the-sandy-hook-tragedy. Attempts have been made to confirm the date of receipt of this document, which have thus far been unsuccessful.
There is another issue at hand. This is the fact that this work isn't free. According to the Obama White House federal money has been doled out in 2012 for agents of all types, including social workers, to facilitate preparedness for violent crises, including school shootings. Incredibly, much of this money was delivered to the State of Connecticut beginning in November 2012. At the time this state suffered from a severe budget crisis. The question is was the state rewarded for the enactment of this false flag event?
Regarding the screen shot the Arlington Red Devils site gave this a different title than is found in the PDF, meaning that someone composed the paragraph. Underneath the title is clearly written "December 10, 2012." That makes sense, since this is the date on the PDF. That screen shot can be seen, here:
Diabolically, that means that the PDF was both sent and uploaded on this preemptive date. If that isn't sufficient, there is the call which was made to Ms. Lovre herself. When asked a number of questions, she confirmed three separate times that, in fact, this PDF was uploaded and circulated on December 10th. Thus, fraud can be readily confirmed by:
- the fact that the PDF which gives specific mention to the Sandy Hook shooting and how to help the children through it was posted on the Arlington, Ohio, Red Devils school Website
- the fact that the actual Word-Press code gives the date of the 10th day of December
- the fact that the producer of this PDF, Cheri Lovre, M.S., confirms that December 10th was the date of issue
If that isn't sufficient, perhaps more mining can be achieved. A more thorough check of Ms. Lovre, a person with clear foreknowledge, is a necessity. This check reveals the incredible, which is a Website produced no later than December 17, possibly earlier, which targets guns rights. It's not just anti-gun, it's rabidly so. Lovre is a staunch opponent of guns rights, specifically the guns targeted as a consequence of Sandy Hook: semi-automatic weapons:
The entire Website is rife with vitriolic attacks against America's guns, offering gushing praise of the President and all he represents. Turns out, Lovre is a socialist Democrat and long-term opponent of the right to bear arms. Below is another portion of the same page. Note the color-coding, with blood red against black. Note also the Satanic/Devilish references, again, aimed specifically at the AR-15 and its likes. Lovre is part of an organized campaign to achieve a ban on such weapons, while manipulating Sandy Hook as leverage. As well, incredibly, through these posts the devil comes into play twice, and who is a greater liar–and fraud–than he? Moreover, people can be certain that Dianne Feinstein had legislation ready to go well in advance of this event. Right upon the heels of Sandy Hook Michael Bloomberg demands action against guns, even saying that it is important to rush the issue, while the subject is hot. Once again, these actions are not mere coincidences but are, rather, evidence of a plot.
It is more than mere manipulation. As she herself revealed, this is a premeditated act. Thus, she is involved with a criminal enterprise. Worse yet, she and others knew about it in advance but did nothing, in other words, the people with foreknowledge, like those who photoshopped Adam Lanza's face and Victoria Soto's body, failed to alert the authorities? How could anyone disguise that information from the relevant authorities?
Yet, there is a final proof to this scam. This is the perpetration of a cover-up. After contacting Ms. Lovre action was taken. The date on the Arlington Devils site was changed. However, as only the divine hand can achieve even this was blundered severely. In the haste to disguise the crime the perpetrators didn't change the date, as expected, to December 14th or after but did so, instead, to December 13th. See this incredible finding, here:
There is no need for more proof than this, especially when combined with the brazen photoshopping of Adam Lanza. This is a coordinated effort to eliminate guns rights. Is the next hoax going to be to realize the blunder and change the date, again, to, say the 14th or 15th? The entire Sandy Hook event was a categorical fraud. It is a scam of the highest order, a charade, and, as many people have bravely posted on the Internet, a hoax.
Moreover, make no mistake about it these filthy lies are the work of the devil. The guns are perhaps the only defense left against this evil entity. Ask the family and colleagues of Brian Terry, Anwar Awlaaki, and more. They'll tell you who the real devils are.
If there is a simple explanation for this, it would do well for someone to provide it. For now, this Arlington Red Devils post adjoins the numerous other evidences of foreknowledge of a crime, including the deliberate alteration of the Adam Lanza photo graph by NBC/AP, the photoshopping of numerous Victoria Soto photos, the pre-knowledge of the Department of Homeland Security, the posting of donation/RIP pages for Soto and Emilie Parker in advance of the crime, and countless discrepancies and evidences of foreknowledge broadcast by the major media. At a minimum someone needs to explain how the date could be listed as the 10th and then changed to the 13th as soon as this was published.
Then, too, there were the Department of Homeland Security drills occurring within Connecticut simultaneously with the Sandy Hook event. That is the same corruption which occurred on 9-11 and the London tube bombings. This cannot be a coincidence and is itself proof of fraud. Nor is a coincidence that the entire region was quickly teeming with federal agents, who coordinated the heavy hitting propaganda campaign.
There's one good thing. Thank God they didn't kill the children.
Read/see more, including other evidence of foreknowledge (and motive):
http://www.youtube.com/watch?v=usresAlRQko (Fast and Furious)
|Post Date


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The Caughlin Fire only burned for one day but the wind-driven fire destroyed 32 homes before fire crews were able to contain the blaze.
Just a couple of months later, the Washoe Drive fire claimed 29 homes and charred 3,100 acres.
Today, these areas, and many others are still prone to wildfire.
"We always worry about the Caughlin Ranch area because of the proximity to the wildland interface up in that area," Chief Michael Hernandez, Reno Fire Department said. "We worry about the Verdi locations. But in reality, we are surrounded by terrain that is of a risk."
The Caughlin Ranch area faces the threat of wildfire every year, with houses sitting right next to the wildlands that are often overgrown with cheatgrass.
That threat only gets worse as we head deeper into the summer.
"The area is starting to dry up," Hernandez said. "We're starting to go into that time of the year where we didn't get a lot of rainfall, the humidities are low, the winds are high, higher temperatures, and all of these combine to create a greater risk of fire danger."
Those factors are the reason for Tuesday's red flag warning.
Officials say the wind is often the most problematic because it often challenges traditional firefighting methods.
"We had wind-driven fires that were leap-frogging, sometimes a half-mile away from the leading edge of the fire," Hernandez said. "So, wind is a critical component to keep an eye on."
Chief Hernandez says people should have at least 30 feet of defensible space around their house, especially near wildlands or canyons.
"If you live in ravines, canyons, those types of areas, you need to be very, very careful and very aware of the conditions that are in those canyons," Hernandez said.
The red flag warning means you should be careful with anything that could ignite a fire, like cigarette butts, off-road vehicles and target shooting.
Hernandez says even if you plan on barbecuing, you should have a fire extinguisher nearby.
KTVN-TVPhone: (775) 858-2222Fax: (775) 861-4298
Mailing Address:4925 Energy WayReno, NV 89502


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AUBURN, Alabama -- Auburn's quarterbacks are usually off limits when it comes time for contact in scrimmages.
The Tigers' four-man race for the starting job kicked into high gear today with a scrimmage indoors at the Auburn Athletic Complex. The quarterbacks placed navy blue jerseys over their usual orange tops prior to the team huddling in advance of the 100-play scrimmage.
Practice report: QBs don blue contact jerseys heading into indoor scrimmage
Quarterbacks wearing orange jerseys are off limits from contact. Auburn coach Gus Malzahn said earlier this spring that quarterbacks would remain off limits in live scrimmages, but why the jersey change? Reporters will find out the reason for the pre-scrimmage wardrobe change after the Tigers' closed scrimmage ends Wednesday night.
You can watch quarterbacks Kiehl Frazier, Jonathan Wallace, Nick Marshall and Jeremy Johnson warm up prior to the scrimmage, which was originally scheduled to take place at Jordan-Hare Stadium, in the video attached to this post.


text: As I was just doing some touching up of my previous post about a possible Vikings outdoor stadium, I had the NFL Network on in the background. Yeah, cant you tell football and the Vikings are a big part of my life? Anyways, a rumor they announced is that The Tuna, Bill Parcells IS interested in running the Vikings day to day operations or as a guru. Talk about the sudden stoppage of typing when I heard that! While I would pass on him being a coach, I sure as hell would not pass him up being in the front office for 5 years. If this rumor becomes more persistant, it could sure change alot of things. Also, the word is, if given a front office job, he would have some say on coaching changes as well. Interesting to say the least!


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Democrat from New Jersey
Richard Codey is a Democratic state senator representing parts of Essex and Morris counties. Codey served as New Jersey governor from November 2004 to January 2006.
Recent statements involving Richard Codey
"And by the way, when I was governor, I did make the payment into the pension fund."
"One in every five families in the state of New Jersey has a loved one with a mental illness, a serious mental illness, and today, we don't care."
"Every president has raised the debt ceiling."
Recent stories featuring Richard Codey
Truth-O-Meter rules on Democrat claims:
Greenwald gets a True, Codey receives Mostly True on claims about income tax cut savings, pension obligations
We want to hear your suggestions and comments. Email the Truth-O-Meter with feedback and with claims you'd like to see checked. If you send us a comment, we'll assume you don't mind us publishing it unless you tell us otherwise.


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Angelina Jolie's Favorite Part of the Golden Globesby Free Britney at . Comments
Not that many women can blame her, but Angelina Jolie raised some eyebrows with a risque remark about Brad Pitt before the Golden Globes last night.
While Brangelina were both the model of sophistication during interviews, Jolie let her guard down towards the end of her trip down the red carpet.
Asked what she was most looking forward to from the evening, the Associated Press says she winked and whispered: "Getting into bed with Brad."
The best part of the Golden Globes for Angie? The after-after party, in bed!
Jolie did not get into specifics regarding their bedtime routine or discuss whether Brad's cane makes an appearance between the sheets, if you know what we mean.
We mean he got hurt recently and walks with a cane.
Despite the A-list roster of attendees, the Golden Globes have a reputation for being much more laid back and fun than the Oscars that follow in February.
To that end, Jolie's quip about Brad was one of several priceless celebrity moments from the Beverly Hilton Hotel that television viewers never got to see.
The audience did see plenty of quality moments, though, from Ricky Gervais' off-color monologue to Seth Rogen's massive erection confession.
[Photo: WENN.com]
Trust me guys she doesn't read these comments.. no celebrity does, so your sticking up for her and name calling and all that.. gets you no where.. I stated my opinion, she is not a good person.. I have never read anything about her that made me think she was awesome!
Everything I have read LOL
Who gave u the right to be so judgemental? What a bitch! You really believe that you know Angelina Jolie personally. You can only make assumptions. Did someone leave you?So Jennifer Aniston has enough class to lie to husband for nearly five years about having children. She should have told him before she married him. This shows she is a selfish bitch! Jennifer aniston isnt a saint. if she was wouldnt be hopping into an already failed relationship with any man.She ended a fourteen years relationship. MARK MY WORDS THIS NEW RELATIONSHIP WILL NOT LAST. Angelina Jolie will always be better than her. She has everything going for her including looks and career goals.
Wow Desiree you are a hateful cun* LMAO this was the funniest thing I have read in a long time.. very wrong about me BTW just don't like her.. :P
Shannon is just a big fat hater who probably looks like a big fat pig herself and she's just jealous cuz she lives in a barn and sh!its in the same place she sleeps! Get off this page with ur haterade u cow and leave this beautiful talented amazing humanitarian out of ur piggy thoughts! ;)
Ain't Nothing like the truth!!
Angelina has come a long way baby, and her remark about Brad is the same remark that millions of women would love to be able to make. At some birthday bash, or social event just knowing that you will be going home with the "love of your life" is absolutely Nothing to be ashamed of.
Dare I say it??
Angelina remains awesome!!
Shannon, if you know her so well why don't you just tell her that yourself?
Angelina Jolie is a pig. She has no talent, I don't care how many movies she is in. She is a homewrecker and just because she adopts a bunch of children from other countries does not make her queen of the good.. She is still and always will be that crazy psycho who carried around her husbands blood and made out with her brother. I have no respect for her and I think the only reason Brad is still with her is because she wanted children and was willing to do things Jennifer Aniston had too much self respect to do.. It is very sad.


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In the meantime Simmonds said that the chemicals behemoth will continue to seek out new SaaS security alternatives as they come to market.
Philippe Courtot, chief executive of Qualys, is recognized as one of the chief evangelists of security SaaS in general, just as Salesforce.com CEO Marc Benioff has become associated with pushing the hosted applications model into the enterprise software space.
Security SaaS becomes a new business model
However, with 37 Fortune 100 companies among its enterprise customers and a groundswell of interest from smaller firms driving what he labeled as rapid growth at the privately-held firm, Courtot claims that security SaaS is moving quickly from an emerging phenomenon into a widely-accepted business model.
"When we needed venture funding in 2001, no one wanted to back SaaS for the enterprise in general, but the time when we needed to evangelize security SaaS for customers of any size is pretty much over, it's becoming commonplace," Courtot said. "People don't have technical or financial resources to deploy traditional on-premise solutions. They're being told to reduce cost and do a better job of securing their operations, all of which works in our favor."
As an example of the economies of scale offered by security SaaS technologies, Courtot said his company recently completed a roll-out of its services to a global auto manufacturer covering vulnerability testing for 180 different applications operated in 65 different countries -- in less than three months. Addressing the same applications scanning project using on-premise tools would have taken years, he said.
Qualys counts Nissan Motors and DaimlerChrysler among its automotive clients.
"What is driving security SaaS are a few simple reasons: At the low end of the market, companies don't need IT people to do the work, and at the high-end, CIOs are being pressured to reduce costs and have fewer security incidents," Courtot said.
"In the past, you had security people doing the perimeter work, and you can still build that infrastructure," he said. "But as soon as you move to protect a company from the inside, to provide defense in depth as is needed, the degree of difficulty is beyond even the most sophisticated companies."
Other security SaaS advocates point to pricing and delivery advantages of the model as drivers of continued adoption of the tools.
Veracode CEO Matt Moynahan said that one of the biggest selling points of his company's binary code analysis service is the fact that customers only pay for the tests that they run using its hosted testing engine and that they don't pay for the upgrades to the service that his company is constantly working on.
"We're trying to blur the line between broken pricing models, a lot of our rivals price by the number of lines of code they're scanning or charge per CPU, but we allow companies to simply give us a URL where their binary code is and we only test that, and it doesn't matter what type of scan or test is involved, it's all part of the subscription," he said.
While Veracode, only launched in January 2007, it has signed on several major customers, including one of the world's largest networking companies and a large Canadian ISP, said Moynahan. He estimates that the SaaS model allows the firm to undercut its competitor's prices by anywhere from 20 to 40 percent.


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|PCHS graduates named Sen. Jeff Green Scholars
Nine 2013 graduates of Pendleton County High School have been named Senator Jeff Green Scholars by the Kentucky Higher Education Assistance Authority (KHEAA) for outstanding academic performance in high school. Students earn this designation by achieving a 4.0 grade point average each year of high school and scoring at least a 28 composite on the ACT.
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Do you want the best pure shooter in the draft? Someone who is 6'6" and we can slot him right into our massive hole at Small Forward. If we re-sign Nick Young it would be an absolute nightmare to have 2 excellent shooters who can create their own shot on the floor at the same time. People will say #6 will be too high to take him, but I say if he can fill that massive void at Small Forward then you don't worry about it being too high- You just make the pick!
Strenths analysis from nbadraft.net:
"Strengths: One of the top pure shooters on the college level ... Prolific outside shooter with a defined role for the NBA level ... Right hander who at 6'6 with long arms has good size for the NBA 2-guard position ... Shows an excellent feel having been around the game his entire life. Understands his limitations and plays within his game well ... Plays well off the ball. Stays active. Works hard to create scoring opportunities. Understands how to create shots for himself off the ball coming off screens ... Very good spot up shooter ... Comfortable handling the ball and can use the dribble to create shots ... Can use his left hand effectively ... Shows an advanced in between game with tear drops and the use of the glass ... Effectively uses pump fakes to draw defenders off balance ... Has perfect form on his shot and deep range. Squares to the basket. Quick, concise, fluid stroke with a high release ... Gets his shot off quickly and can do so without needing much space ... Exhibits prudent shot selection ... Large wingspan allows him to play more athletic than he appears. Can dunk on his defenders if he catches opponents napping ... Solid decision maker with a positive a/to ratio ... 1.6 steals per game as a senior showed his progression as a defender / anticipation ... Extremely level headed, doesn't show a great deal of emotion or get rattled easily ..."


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Results 1 to 5 of 20
Thread: Finally Here and Finally Named!
August 15th, 2013 08:02 PM #1Junior Member
- Join Date
- Mar 2012
- Posts
- 18
Finally Here and Finally Named!
We welcomed Daphne Evangeline last week!
After all the name planning and worrying and foruming, our little girl's name just came to us at the last minute. She is beautiful. Thanks to all your berries who helped us with name suggestions along the way!
August 15th, 2013 08:41 PM #3
Congratulations on the arrival of Daphne!Step-Mother to three lovely children - Josiah Lewis (14), Stella Evangeline (8), and Emma Catherine (4)
Expecting Baby Chicken on February 3, 2014
It's a boy!
Rhys Andrew, Milo Andrew, Conrad Henry, or August Henry/August Charles
August 15th, 2013 10:25 PM #5
What a gorgeous name! My sincerest congratulations on your darling baby girl.~ Larissa
Amaryllis Joy
Savannah Mayfair ~ Bellamy June
Isla Reverie ~ Holiday Elise ~ Cordelia Maple
Sage Aurora ~ Madeline Story ~ Laszlo Oliver ~ Darwin Blake
Gideon Levi ~ Fisher Gray ~ Jasper Elias
Simon Apollo ~ Orlando Archer
Phineas Jack
Crushing hard... Saylor Adeline ... Siri Genevieve ... Penrose Elizabeth
August 15th, 2013 11:21 PM #7Senior Member
- Join Date
- May 2012
- Location
- Canada
- Posts
- 148
Congratulations!Coraline "Corey", Georgiana "Georgie", Cecilia "Cici", Guinevere "Gwen", Rosamond "Rozz"
Everett "Rhett", Quentin "Quinn", Cornelius "Coren", Cormac "Mac", Heath
August 16th, 2013 12:41 AM #9


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Welcome to North Molton Primary and Pre School
Welcome to the new North Molton Primary School website.
I hope you find the information helpful and that the website gives you a taste of life at North Molton Primary School.
The new school in North Molton opened in March 1992.
Everyone at North Molton is immensely proud of our school.
It was rated 'Good' by Ofsted following our Inspection in September 2012.
North Molton is a caring school, with a team of dedicated professionals here to ensure children get the most from their education.
North Molton Primary School | Hosted by New Era Education | DB Primary


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15-05-2012 10:33
I have a nokia E90 that does not "see" when the lid is closed any more.
Both displays are functional, but the phone only uses the internal display, it does not recognize when I close or open it.
Does any one know how the phone detects the opening and closing of the internal display ? For sure there is an internal switch or something like that but I have open the phone and can't figure out where is the broken piece.
15-05-2012 13:20
Sorry, but discussion on anything related to Self servicing of Hardware issues is forbidden on this Nokia sponsored Forum ...
15-05-2012 14:18
Hey Altexandru, Welcome to the Nokia Forums!
As Farby above stated, conversation regarding self servicing of device hardware is not permitted as it can cause more harm to your device than good and can also void any existing warranty.
If you are experiencing problems with your device's hardware, I suggest that you take it to your nearest Nokia Care point to be repaired by an expert.
I hope this has helped!