text:
- Report: #914060
Report - Rebuttal - Arbitrate
Complaint Review: EasyCare
EasyCare6010 Atlantic Boulevard Internet United States of America
EasyCare Automobile Protection Corporation Company denied VSC coverage to repair my car's transmission. Company stated my VSC is invalid. Internet
*Author of original report: EasyCare came through in the end.....
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I elected to purchase a EasyCare TOTALCare vehicle service contract (VSC) at the time of vehicle purchase. My EasyCare contract clearly stipulates "add-on" term and mileage of 60 months/100,000 miles. This "add on" coverage results in VSC coverage up to June 11, 2015 or 133,801 miles whichever occurs first. The cost of this VSC was $1,985.00.
Last week I noticed my transmission beginning to shudder and slip in reverse when the drivetrain was at normal operating temperature. I took the vehicle to the service department at the selling dealer (Sharrett Automotive, Inc.) on Monday, July 16, 2012 for service. The mileage on the vehicle is currently 103,500 (well below the maximum allowable of 133,801. [continued below]....
When the Sharrett Automotive, Inc. service department personnel contacted EasyCare to obtain service authorization, EasyCare denied coverage stating that they do not issue VSC's with "add on" mileage in excess of 100,000 miles. This despite my having a signed copy of the VSC that clearly indicates the "add on" term and mileage.
Section J of the terms and conditions (T&C) of the VSC state that by signing, both parties have waived their right to file a law suit to settle a dispute and agree to mutual arbitration instead. I researched this and found that just the initial filing fees for a arbitration claim with a limit of $3,500.00 would be nearly $500.00 and then I could expect attorney fees on top of that. All this with no guarantee of winning my case.
At the moment, I'm at my wits end and would sincerely appreciate any assistance you can provide. I truly believe that I am being treated unfairly by this company. I paid almost $2,000.00 for a VSC in good faith and now the company is not willing to honor their end of the commitment. I find this totally unacceptable and irresponsible on their part. Unfortunately, I'm just the "little guy" with limited resources available to go up against a large corporation in arbitration and win. I will be glad to provide any additional supporting documentation that you need. Thank you in advance for your support and assistance.
This report was posted on Ripoff Report on 07/18/2012 04:34 PM and is a permanent record located here: http://www.ripoffreport.com/r/EasyCare/internet/EasyCare-Automobile-Protection-Corporation-Company-denied-VSC-coverage-to-repair-my-cars-914060. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 Author of original report
EasyCare came through in the end.....
AUTHOR: Debbie Fair - (United States of America)
SUBMITTED: Friday, August 03, 2012POSTED: Friday, August 03, 2012
On Monday July, 23 2012, an EasyCare representative named Cheryl contacted me regarding my complaint - apparently after seeing it posted here on Ripoff Report.
Cheryl stated that after reviewing the facts, even though the vehicle service contract (VSC) was written up incorrectly, the problem was still the responsibility of EasyCare and that I was entitled to this repair.
In return for them honoring their committment, I prepared and signed a statement agreeing to consider the remaining portion of the VSC null and void and not attempt to have any more repairs authorized. I also agreed that upon successful repair of my car, that I would update my Ripoff Report accordingly.
I was instructed to take the car to AAMCO in Hagerstown, MD for repairs. AAMCO proceeded to completely rebuild my transmission and all it cost me was my $100.00 deductible. EasyCare even provided the use of a rental car for five days while my car was being repaired.
So in the end, EasyCare made good on their committment and I got my car repaired satisfactorily. Thank you for all of your help with this Cheryl. Your support and assistance is greatly appreciated.
Hagerstown, MD
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Holdays.net Home
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Posted 24 December 2012 - 03:00
Posted 24 December 2012 - 03:09
Let's imagine that you have cancer and that you are a believer. You pray to God for a cure, you undergo surgery and chemotherapy, and the cancer does in fact go into remission.
What cured you? Was it the chemotherapy, or was it God?
In other words, is there any way to know whether God is playing a role or not when we pray?
The problem is that, in this imagined case, there is ambiguity. The Christian believes that God answered the prayer, but it could also be a simple coincidence.
The way to remove the ambiguity is to say a prayer that cannot be answered by coincidence. For example, instead of praying that God cures one person's cancer, pray that God eliminates all cancer tomorrow. There is only one way for that to happen. God would have to exist, and God would have to reach down from heaven and explicitly work a miracle on earth.
Posted 25 December 2012 - 13:56
A miracle, to me, would be a cure without any man-made intervention. Once man gets involved and you get cured, it's no miracle..
Posted 25 December 2012 - 21:32
Posted 25 December 2012 - 21:33
If you go by that definition there are no miracles, only things we don't understand.
Posted 25 December 2012 - 23:11
If you go by that definition there are no miracles, only things we don't understand.


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Berko: Dow, S&P may move higher in 2013 as Fed money machine pumps on
Send this to a friend
- Malcolm Berko | For Business First
Dear Mr. Berko: I am convinced the Standard & Poor's 500 is headed to 1,600 or higher this year.
I've completed detailed calculations concluding the S&P 500 will earn $107.42 and trade at 15.1 times earnings. Then by extrapolating these numbers, I place the Dow industrials at about 15,864. My calculations agree with the top analysts at Goldman Sachs, Citigroup and Bank of America, each of who believe the S&P will top 1,600 this year.
Since you did not present your usual forecasts for 2013, I'd like to know if you agree with our projections. – G.H., Gainesville, Fla.
Dear G.H.: You conspicuously used the words "our projections." Am I to conclude you're collaborating with Citigroup, Bank of America and Goldman Sachs, three of the deadliest snakes on Wall Street?
I'm not making a prediction for 2013 because I can't read the tea leaves as clearly as you and those friends. But thanks for your mathematical construct, which is too impressive for my linear thinking.
My dad used to say: "Son, don't think you are so smart. Thousands of years before our ancestors began to have afternoon headaches from trying to think, the lowly turtle had a streamlined body, a hard top, a mobile home, retractable landing gear and lived twice as long as the average human."
Your projections may be on the mark. I remember a time when growing revenue and earnings moved stock prices higher. Today the primary reason for higher prices is that the Federal Reserve is engorging the economy by purchasing $85 billion of Treasury bonds and mortgages every month.
This massive influx of cash into the banking system has gone into the stock market, precisely what the administration and Fed Chairman Ben Bernanke ordered. They figure a rising market will give business and consumers enough confidence to spend and grow our GDP by 3 percent or more in 2013.
The Fed thinks it can inflate the economy to health, arguing that a rising tide lifts all boats. So it continues to create more money, realizing that if the printing presses stop, the economy will sink deeper into recession.
Ben and the administration recognize:
Consumers account for 71 percent of our gross domestic product.
Consumer debt has reached record altitude and is perilously high.
New jobs are paying less and most family incomes are lower today than in 2007. So except for taking on additional debt, American families have little spending room left.
This economy is facing a social crisis; a debt and tax crisis; a congressional crisis; Social Security and Medicaid and Medicare crises; municipalities are teetering; our infrastructure is in stages of serious disrepair; real unemployment is more than 10 percent; pension plans can't keep their promises; and our welfare system is wobbly due to an inexorable public demand.
It's becoming apparent that the costs of Obamacare will bankrupt the economy.
Our largest trading partners – Europe and Japan – are in a recession and China is floundering. European workers are hurting, their income and safety nets are imploding, causing U.S. exports to decline.
The Obama administration won't pull out of the fighting in Iraq or Afghanistan because returning troops would swell unemployment.
The Mideast, a trouble spot for 5,000 years, may erupt into a major conflict.
Finally, solutions to avoid the "fiscal cliff" will be temporary and political rather than economic and permanent. This cowardice shifts the problems to the next administration.
Bernanke and the Obama administration are mindful of this. They know falling stock prices would devastate consumer confidence and voters would stridently blame Congress for the economic mess. So they continue feeding new money to a sickly economy because the economy can't feed itself. I doubt this feeding frenzy can ever stop.
Therefore, I believe the averages could rise to your projections.
At some point these trillions of new dollars will inflate our currency so that a 15,864 Dow Jones Industrial Average will be a 9,000 Dow in today's dollars. That's scary.
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Palin Mocks Time And Obama Over Person Of The Year Selection
CNN provides some of the details, which seem oddly similar to an article at the Atlanta Black Star (read both, and realize that the ABS article was posted before the CNN article, and is trending on several news aggregators), minus the Palin Derangement Syndrome
(CNN) Managing editor Richard Stengel wrote Obama deserved the recognition because he "forged a new majority, turned weakness into opportunity and sought, amid great adversity, to create a more perfect union."
But Palin, who along with 2008 GOP presidential nominee Sen. John McCain, lost to the Democratic presidential ticket four years ago, said "those are some silly words chosen to describe Barack Obama."
"When I first heard that, the first thing that popped in my mind was: What the heck has he done? Really, what has he done, except drive us over a fiscal cliff," she said. "What has he done to unify and make our nation a more perfect union? For the life of me, I don't know."
Well, he is giving free stuff to people. Paid for by borrowing 46 cents on every dollar the United States federal government spends. He's increased the debt by over $6 trillion dollars. He's made Americans even more divided. He blames everyone else, and demonizes private citizens and entities.
(Atlanta Black Star) Palin offered this assessment of the proper path "toward a more perfect union."
"The path toward a more perfect union is our Constitution and I think we've seen examples of our President not necessarily following the Constitution," she said. "In fact, he's wanting to change the Constitution because he see it as a charter of negatives…and he's made statements in the past about his view of our Constitution. And following the Constitution is the blueprint toward a more perfect union."
If the Founding Fathers truly agreed with Palin, they wouldn't have seen the need to continually add amendments to the constitution. But let us not pick nits with the former governor.
Ah, but the Founding Fathers left a path for adding amendments, but until such time, elected officials are legally required to follow what the Constitution says.
Palin also had a few things to say about Benghazigate and the former Marine being held in Mexico, which team Obama is doing nothing about. The media doesn't want to focus on those, obviously.
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text:
Royals willing to trade David DeJesus, hoping to trade lesser veterans
Jun 15, 2010, 2:45 PM EST
He's not willing to recall Alex Gordon from the minors despite the former No. 2 overall pick's great numbers at Triple-A, but Royals general manager Dayton Moore told Bob Dutton of the Kansas City Star that he'll be looking to trade veterans between now and the July 31 deadline.
David DeJesus figures to be the most attractive target for many teams, as the 30-year-old can play anywhere in the outfield and is currently sporting career-highs in batting average (.314), on-base percentage (.392), and slugging percentage (.479). He's also signed for reasonable money through next season, making $4.7 million this year with a $6 million option or $500,000 buyout for 2011.
Moore said that he expects "a busy trade market" because the Royals have "some nice pieces" to deal and "will evaluate what comes our way if anything does come our way." However, my guess is that Moore is dramatically overestimating the market for guys like Jose Guillen, Rick Ankiel, Scott Podsednik, Willie Bloomquist, Kyle Farnsworth, and basically anyone not named DeJesus.
Kansas City might be able to unload a couple of those mediocre veterans, but they certainly won't be getting anything resembling promising prospects in return for them and in the meantime the Royals are wasting at-bats on 30-somethings while 20-somethings like Gordon and Kila Ka'aihue crush Triple-A pitching. In the past three offseasons Moore has spent $80 million on Guillen, Ankiel, Podsednik, Farnsworth, Bloomquist, Jason Kendall, Ron Mahay, Brett Tomko, Juan Cruz, Horacio Ramirez, and John Bale. Seriously.
- Sheriff Blalock - Jun 15, 2010 at 3:18 PM
If you go back one more year, you can add Gil Meche and $55 million to that list.
- Dayton Moore - Jun 15, 2010 at 3:26 PM
Sorry Royals fans, I'm just a nincompoop.
- Steve C - Jun 15, 2010 at 3:28 PM
Someone will probably convince DM to throw Grienke into the deal to sweeten the pot a little bit.
- YankeesfanLen - Jun 15, 2010 at 3:31 PM
It's not that bad- I'm sure they can get $75 and a '73 Chevy Vega for Farnsworth.
- ecp - Jun 15, 2010 at 3:46 PM
Perception nothwithstanding, Dayton Moore is generally not known for simply giving away his players for nothing, and the likelihood of him "throwing in" anybody is slim. What he IS known for is acquiring people he simply should not be acquiring. Yeah, he's made a couple of clunker trades, but so has every other GM.
- Mann of Sandd - Jun 15, 2010 at 4:03 PM
Would love to see the Braves get DeJesus for a bullpen arm or two. With Dayton's ties to the organization, I could see that getting done.
- Joey B - Jun 15, 2010 at 4:09 PM
"Moore said that he expects "a busy trade market" because the Royals have "some nice pieces" to deal and "will evaluate what comes our way if anything does come our way."
It would of been interesting to see who he thought the nice pieces were. Using age 30 as the cutoff for those who he'd like to trade, probably only DeJesus has real value. I doubt anyone would take Kendall or Guillen if they were DFA's, let alone trade for them. Though certainly they could eat salary and get something back. Pods might be of interest as a #4 somewhere. Maybe Farnsworth for a B/C prospect.
- Curious George - Jun 15, 2010 at 4:26 PM
Another step in the process pushing the Royals just that much closer to a World Series victory. Can you taste it?
- mike in MN - Jun 15, 2010 at 4:39 PM
Didn't they let some ok catcher go, so they could sign a 400 year old guy? How's that guy doing?
- Jimmy Gobble - Jun 15, 2010 at 4:43 PM
Say what you will but he managed to get salvageable talents like Josh Fields and Chris Getz for Mark Teahen.
And in signing Podsednik, he pushed the White Sox to give up two pitchers, John Ely and Jon Link for a more expensive but less productive Juan Pierre.
If he can con more division opponents into stupid moves, the Royals might become a contender again.
- Charles Gates - Jun 15, 2010 at 10:17 PM
If he can con more division opponents into stupid moves, the Royals might become a contender again.
You've got some fangled quasi Sun Tzu going on there; 'the enemy of myself is my friend.' Wait, but that means…
So, sign under performing old dudes for above market prices, therefore blocking prospect maturation at the additional opportunity cost of players that could, you know, help the team. But if that causes the ChiSox to make a net (maybe) loss with a Podsednik/Pierre roster move, the Royals come out ahead?
Trust the process.
- jake - Jun 15, 2010 at 10:59 PM
call me crazy but halting kila and gordon's service time isn't the worst thing in the world. the royals wont be competitive for atleast 2 to 3 years. might as well as save some service time on those 2 guys
- JBerardi - Jun 16, 2010 at 1:16 AM
One, it's not good from a player development standpoint for them to be playing against inferior competition for that long; and two, they need to find out just exactly what these guys can do at the major league level (especially Kila). How can you plan to compete when you don't know what your available resources are?
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How To Make A Woman Fall In Love
Once you know how to make a woman fall in love, she will be yours. Be confident in your ability to be irresistible. Choose a beautiful woman you have chemistry with, and with whom you share interests and passions in life. Be sure you have respect for this woman. After all, you don't want just anybody to fall in love with you.
- Smell good and look good. Wear nice fitting, clean clothes that have a little style. Wear cool shoes. Keep your hair and face well groomed. Stay really clean. This will make a woman want to get closer to you.
- Always wear just a little of your signature fragrance. The olfactory sense of smell is the most primal. Your scent will become an aphrodisiac for her if you play your cards right. She'll want you to hold her close so she can nuzzle your neck.
- Listen and pay attention. Women like it when you are really with them. When you listen, don't always try to solve her problems. She just wants to know that she's been heard. Try repeating back the gist of what she's told you in different words. Be sure to ask some genuine questions. She'll feel trust in a man who demonstrates he truly cares by listening. When she trusts you, she'll open up to you in every way.
- Be comfortable. Relax and be calm. Hold her hand. Hold her close. Make her feel safe and loved. She'll melt when you do this, and will want more and more physical love.
- Stay mysterious. Plan little surprises. Treat her to some creative dates, like flying in a hot air balloon or going horseback riding. Leave little love notes here and there, so she'll find them randomly. Always leave her wanting more of you. She'll perceive you as exciting, and will want to share her life with you.
Now you've made a woman fall in love with you, so treat her well. She will love, respect, and treat you like royalty when you do the same for her.
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The Books have a terrific sense of humor-- and it makes The Way Out, an album built on eccentric vocal samples, a good-natured discovery instead of a cheap piece of mockery. Imagine if a blog had posted these clips of goofball hypnotherapist and meditation consultants, or found a tape of a boy and a girl swapping violent threats with each other: You'd chuckle and move on. But when the Books use these samples, they give them integrity. You find yourself engrossed with people who are alien but also familiar. The flotsam and jetsam of American culture aren't a cheap joke to the Books, but a source of endless discovery and joy.
The Way Out is the fourth LP-- and the first in half a decade-- by the collage art/folktronica/post-New Age/indescribable duo of guitarist/singer Nick Zammuto and cellist Paul de Jong. Their new album is experimental for sure, but just like their early works, it wasn't designed for slow chin-scratching. It works best when it works like a joke: A strange sound or sample clicks in your ears, and then you're on to the next one.
Is "A Cold Freezin' Night", a track featuring a recording of one kid threatening to torture another to death, a commentary on how early and how easily little kids assimilate violent fantasies and gender roles? You could read it that way, but mostly I just enjoyed the jolt of recognition: It's a striking example of the way kids talk to each other when nobody else is listening. Likewise, "Beautiful People" is pretty straightforward: It's a tribute to Zammuto's favorite irrational number, which is a pretty geeky thing to do, but Zammuto connects that number to God, and so he makes it a hymn. Back it with a disco beat and tack on a meticulously constructed brass fanfare at the end, and you have a Books pop song-- one of the only ones they've written.
The band's good humor stops us from mocking "I Didn't Know That", where kids and adults shout, "I didn't know that!" with unironic gusto. My guess is that the samples come from a kid's television show, but the source doesn't really matter. The Books take the speakers and high-five them again and again, with a boisterous melody and a verse that features distorted, hiccupping vocal snippets arranged into musical phrases and emerging as a kind of scat singing. Which, you know, is something you would normally just get up and perform, but instead they do it this way, and it must have taken them a long time to put it together.
When the Books actually get up and make jokes, they tend to shoot themselves in the foot. And maybe that's the point: they want to say they're not trying to sound prophetic. Don't take this so seriously. But they score a misfire at the end of "Chain of Missing Links", which features a self-help guru who's trying to lead us to a higher consciousness. He soothes us and seeks out our pain-- "You're old and used up at the atomic level"-- and while he sounds silly, the music plays along with him. It complements his message, matching the tension and the transcendence in his words. You almost start to wonder if he's onto something. But the track ends on an easy joke, editing the speaker to make a crack about eating brains, and the music leaves him looking foolish. It seems kinda cruel.
The album is book-ended with excerpts of these self-help records, and the funniest thing about that is that the Books really are a boffo meditation band. As smart and complex as they are, their albums are also super-serene, and they could function as New Age music for people who are too skeptical for the real thing. After all, it's soothing to hear two guys digest and synthesize a mountain of information and pass back an orderly whole-- something that most of us information worker-types try and fail on a daily basis.
The Way Out is a step forward for the band, as producers and in Zammuto's case, as a singer: dig his glowing lead vocal on "All You Need Is A Wall". But it's not their best record. Even "Beautiful People" can't match the subtler beauty of The Lemon of Pink's interplay between analog and digital sources, where a glitch and a handclap can form a percussion part, and a vocal line can blend seamlessly with bowed cello. The second half of the album flags, and while it has some eerie moments, "The Story of Hip Hop" is a one-joke song. (They start with a children's story about a rabbit, and guess what kind of a beat they add?) That stuff was fun on their debut, 2002's Thought for Food, but today those easy jokes seem like a waste of their skills. Better to seek out the greater mystery of those weird and splendiferous sounds, and those voices that seem so close and so unknowable in the same breath.
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Original Contribution
Fitness costs of Cry1F resistance in fall armyworm, Spodoptera frugiperda
Article first published online: 28 NOV 2013
DOI: 10.1111/jen.12092
© 2013 Blackwell Verlag GmbH
Journal of Applied Entomology
Volume 138, Issue 5, pages 315–325, June 2014
Additional Information
How to Cite
Vélez, A. M., Spencer, T. A., Alves, A. P., Crespo, A. L. B. and Siegfried, B. D. (2014), Fitness costs of Cry1F resistance in fall armyworm, Spodoptera frugiperda. Journal of Applied Entomology, 138: 315–325. doi: 10.1111/jen.12092
Publication History
- Issue published online: 14 MAY 2014
- Article first published online: 28 NOV 2013
- Manuscript Accepted: 18 SEP 2013
- Manuscript Received: 29 APR 2013
- Abstract
- Article
- References
- Cited By
- Bacillus thuringiensis ;
- Cry1F corn;
- high-dose refuge;
- insect resistance management;
- resistance;
- transgenic corn
Transgenic corn, Zea mays L., expressing the Bacillus thuringiensis Berliner (Bt) protein Cry1F has been registered for Spodoptera frugiperda (J. E. Smith) control since 2003 in the USA. Unexpected damage to Cry1F corn was reported in 2006 in Puerto Rico, and Cry1F resistance in S. frugiperda from Puerto Rico was documented. The study of fitness costs associated with insect resistance to Bt insecticidal proteins is important for understanding resistance evolution and for evaluating resistance management practices used to mitigate resistance to transgenic corn. Currently, no studies have addressed the fitness costs associated with Cry1F resistance in S. frugiperda. In this study, susceptible and resistant strains with similar genetic background and their reciprocal crosses were used to estimate Cry1F resistance fitness costs. Comparisons between life-history traits and population growth rates of homozygous susceptible, heterozygous and homozygous resistant S. frugiperda were used to determine whether the resistance is associated with fitness costs. Major fitness costs were not apparent in either heterozygotes or homozygous resistant insects. However, there was a slight indication of hybrid vigour in the heterozygotes. Additionally, two lines in which the frequency of the resistant alleles was fixed at 0.5 were followed for seven generations, after which the frequency of resistant alleles slightly decreased in both lines. The lack of strong fitness costs associated with Cry1F resistance in S. frugiperda indicates that initial allele frequencies may be higher than expected in field populations and will tend to remain stable in field populations in the absence of selection pressure (e.g. Puerto Rico).


text: Food & Nutrition7 Healthy Eating Tips for the Holidays Fitness Gifts27 Brilliant Holiday Gift Ideas Nails5 Chic Nail Art Designs Tips10 Easy Exercises You Can Do Lying Down Drink Recipes15 Wines to Try This Holiday Season By Bethany Cianciolo | 18 hours agoAs much as we all love a tall glass of vino, settling on a bottle is almost as stressful as planning the holiday dinner menu. That's why we called up Gillian Ballance, one of the few females in the world to become a master sommelier. The golden rule of wine-buying during holiday time? Stick to delicate, fruity notes (think: bottles with more acidity and less alcohol). "When you have a table with so many flavors, you want the meal to take center stage and the wine to accent the high notes," says Ballance. Whether you're looking to splurge, save, serve, or spot the perfect hostess gift, we got the scoop on what to uncork. More AccessoriesThe Workout Gear You Need This Winter By Bethany Cianciolo | 18 hours agoThere are only so many indoor workouts you can do before going stir crazy (#fitnessgirlproblems). That's why we turned to winter sports pros to find out what you'll need—mentally and physically—to make this the best, most active winter ever. More Healthy DessertsTop 10 Delicious Paleo Desserts By Karla Walsh | 1 day agoThis might just be the sweetest news you receive all day: Desserts don't need to go extinct if you're following a paleo diet. Sure, the caveman-inspired meal plan eschews sugar, but these 10 inventive bloggers found creative (and delicious!) ways to make your cravings go the way of the dinosaurs. Preheat your ovens now and prepare to enjoy some tasty paleo desserts. More FashionHow to Rock Track Pants on Thanksgiving By Katie Maguire | 1 day agoEver finish Thanksgiving dinner so full you need to unbutton your pants? (Uh, us neither.) 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Liverpool v Tottenham: Reds are not reliant on Steven Gerrard, insists Brendan Rodgers
The captain has scored crucial goals throughout the season
Friday 28 March 2014
Liverpool captain Steven Gerrard continues to deliver in the big moments but manager Brendan Rodgers insists his side are no longer reliant on the midfielder - or anyone else - for inspiration.
The 33-year-old's superb free-kick broke the deadlock in the 2-1 victory against a resolute Sunderland side in midweek to put him within one goal of club icon Kenny Dalglish's tally of 172.
To get close to such a number is testament to the England skipper's quality and longevity and after nine goals in his last 13 matches, including four in his last four, he is enjoying his best Premier League goalscoring season since 2008-09 (when he scored 16 goals) with 11 playing in a midfield holding role.
"It is incredible really," said Rodgers of Gerrard moving close to equalling Dalglish.
"Moving him back into that controlling position has not stopped his goal threat and he can dictate the game from behind.
"For most of his career he has played as an attacking player and been one of the world-class players so to get to those numbers and to maybe equal someone of Kenny's quality and status just shows you the true quality the guy has.
"He has a few more years left to go yet to hopefully score more goals."
While Gerrard's influence to Liverpool cannot be underestimated he has a number of players around him now which means he is not the sole source of inspiration and game-changer.
Prior to Wednesday's match Sunderland manager Gus Poyet suggested Liverpool would be a mid-table team - instead of second - without the 28 League goals of fellow Uruguayan Luis Suarez.
"That is probably quite disrespectful to the other players," added the Reds boss.
"In my time here we've had Luis out and won games, we've had Steven, (Philippe) Coutinho, (Daniel) Sturridge out and won games.
"When Luis was playing the team finished eighth and seventh (in the previous two seasons) so it is not just about one player, it is about creating a collective spirit and quality to our game and that is what we have done."
However, Gerrard remains their biggest presence on the pitch and the sight of him berating his defenders after they conceded a soft goal at a corner against the Black Cats, or audibly shouting at Raheem Sterling to "get it in the corner" as they tried to see out the game, highlighted that.
"He is a guy who steps up in the big moments in games; when we need something special in the game the other night he stepped up and scored so there is no doubt people look to him - but it shouldn't just be Steven's responsibility," said Rodgers.
"You saw him the other night giving orders to the team, which is important because it is too late if you are in the changing room and have conceded a goal.
"He is very short, sharp and concise with his information but his qualities are continual every day and it is not just at this point in time, his leadership is first class.
"I think his status as one of the leading players in the world over the last number of years means he has that respect and I think you have seen from his performances he still has that big quality in his game."
Liverpool's title chances will be tested again this weekend when Tottenham visit Anfield and while Rodgers has continually defended his squad's ability to cope with the pressure he has now had to assess his own suitability due to his relative inexperience.
"In terms of management this will have been my fifth season but I've been stood on the touchline for 20-odd years and this year I have been able to put into practise what I have been working on for many years," said the 41-year-old.
"Although there is still a lot for me to learn, it is not as if I am new to it.
"Other squads have much greater depth and maybe better individuals than us but we are showing we are developing and we are looking to put something in place not just for one season.
"We are looking for sustainable success and that might be different for other clubs.
"If there is any pressure it is on other teams."
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Leave a legacy.
These are three simple words that laid the foundation for what has become the most successful football season at Utah State since 1979.
The last time the Aggies won seven regular season games, Jimmy Carter was president of the United States; the Pittsburgh Pirates defeated the Baltimore Orioles in Game 7 to win the World Series, and it was the first year of the ever-popular McDonald's Happy Meal.
The last time the Aggies ventured to a bowl game was in 1997. Bill Clinton was president and legendary quarterback Brett Favre won his first Super Bowl title in leading the Green Bay Packers over the New England Patriots.
In 1997, Utah State played in the inaugural Humanitarian Bowl in Boise, Idaho. This week, they will head to the same city to play in the newly renamed Famous Idaho Potato Bowl.
"They started out this season with a goal to leave a legacy, and that's exactly what they've done," said head coach Gary Andersen. "They've done a tremendous job of taking the next step. This team has been a crew of fighters all year long."
During fall camp, the team, led by the senior class, set a series of goals for the season. With a Western Athletic Conference title and a bowl game in mind, they set off with positive attitudes and driven hearts. However, the season did not start as smoothly as expected. Game after game ended in heartbreak.
More than halfway through the season the team was at a 2-5 record.
Ask any Aggie, fan or player, and they will tell you the Hawaii game was the turning point of the season. At halftime, USU was down 28-7. Starting freshman quarterback Chuckie Keeton was hurt and had been taken to the hospital. After a motivating halftime discussion, the team came out of the locker room with a changed mind-set.
Junior quarterback Adam Kennedy came in and turned the game around. With that, he turned the Aggies' season around.
"Everyone just kind of looked each other in the eye and asked what had been going wrong," Kennedy said. "It wasn't necessarily blaming anyone, but just finding out what wasn't working, and what we needed to do to make it work. Looking at the guy sitting next to you had a lot to do with the turnaround."
Senior running back Michael Smith said the halftime talk was fairly simple.
"We basically looked at each other and realized our option was to win or to lose," Smith said. "We chose not to lose. We chose to fight. We started playing as a team, as one."
Senior defensive end Levi Koskan added when he said the team finally realized the potential they had.
"A couple guys got in each others' faces, and we just realized that we're a great team," Koskan said. "There's no way we should be at the point we're at. We're better than this. We deserve to be better. Let's go out and do something about it."
The Hawaii game stirred something in the hearts of the Aggies. It showed them they could win. They recognized the talent they had. They went on to win the rest of their regular-season games, ending the season with a 7-5 record.
"Anytime that you're losing, you're never as happy as you are when you're winning. They handled it very well," Andersen said. "I think they always thought they were a good football team. They had the mind-set they could win physically and mentally every game."
This football team has fought hard year after year. For this class of seniors, a season like this one has been all they have worked for.
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Cozumel Ruins
Travel Groups
Island & Reef Maps
Weather/Dive Conditions
Car Rentals
Cozumel Island History
D.I.Y. Snorkel Tour
Island Adventure Activities
Cozumel is an expansive island offering quite a wide variety of activities both in water and out. Of course, ocean lovers have plenty to do here with everything from scuba diving to beachcombing for shells at sunrise. However, for those of you who don't necessarily want to get your feet wet, take comfort in knowing that there are still vast expanses of virgin jungle all over the island and various ways to get to see some of it. So if
, discovery and adventure
are frequent words in your vocabulary, check out some of these excursions to add a little spice to your Cozumel experience!
Cozumel Island Adventures for the Entire Family!
Submit Feedback
Cozumel Dolphin Royal Swim Program
"Action" and "speed" pretty much describe this popular dolphin program! Get a handshake, a kiss and then you give them one. Feel the strength of your new friends as they push you across the water from the bottom of your feet in the thrilling foot-push. It is "the experience of a lifetime!"
US$ 149/Adult / US$ 89 child
Cozumel Atlantis Submarine Adventure
Dive to depths of 100 feet in a REAL submarine piloted by a professional and licensed crew and experience why Cozumel remains one of the top dive destinations in the world.
$105/Adult, $65/Child
Cozumel Dolphin Swim Adventure
A unique opportunity to swim with dolphins and get to know them better! Experience the joy of a dolphin kiss, hugs and handshake and then marvel at the dolphins strength as you are towed through the water with a "belly ride." You will fall in love with their gentleness during this activity created especially for you to bond with dolphins!
US$ 119/Adult / US$ 89 child
Cozumel Playa Mia All Inclusive Day Pass
Enjoy a relaxing "all inclusive" day at this white powder sand beach featuring top notch facilities and tons of activities for kiddos like water cannons, twin water slides as well as a 200 foot long pool and a pirate ship! Here there is an underwater Mayan City, organized games, kayaks, paddle boats, hobie cats and more!
US$73 Adult / US$63 Child
Cozumel Playa Mia Day Pass
Enjoy a relaxing day at this fantastic white powder sand beach featuring top notch facilities and tons of activities for kiddos like water cannons, twin water slides as well as a 200 foot long pool and a pirate ship! Here there is an underwater Mayan City, organized games, kayaks, paddle boats, hobie cats and more!
US$ 30 Adult / US$ 25 Child
Cozumel Punta Sur Ecopark, Lighthouse & Snorkeling
Cozumel's largest natural eco-park featuring a lighthouse to climb, Mayan ruins to see, coves to snorkel, a nautical museum, sea turtle nesting areas, a crocodile sanctuary an enormous mangrove lagoon where Spoonbill Flamingos nest and Egrets go hunting daily along with a multitude of other animal species that call the park home. Experience Cozumel's wildlife up close personal here!
Adult $ 125 / Child $ 115
Cozumel's Most Complete Island Jeep & Snorkel Tour
You'll see more in one day than others see in a lifetime!
$ 85 Adults/$ 50 Kids
Cozumel Design Your Own Island Tour!
Have a big group and want to charter a bus or van to do your own thing? Not seeing an excursion that exactly fits how you and your family would like to spend your day here in Cozumel? No problem! Design an island sightseeing excursion just for you and your group!
From US$ 300 for 4.5 Hours!
Cozumel Marine Turtle Observation & Baby Liberation Events with FP&M
Sign up for an observation and education session about Cozumel's nesting sea turtles and the volunteer brigades that help in their conservation. Learn about these amazing creatures in the Fundacion de Paques & Museos program and help release hatching baby turtles as they make their way to the sea.
From $ 40 - 70 / person donation
Cozumel to Cancun Whale Shark Snorkel Day Trip
Shorter day trip whale shark snorkel experience with boat departing from Cancun! Personal service from a professional guide who escorts guests the entire way from Isla Cozumel to Cancun!
US$ 179 per person
Cozumel to Holbox Whale Shark Snorkel Day Trip
Spectacular day trip whale shark snorkel experience with boat departing from Isla Holbox! Personal service from a professional guide who escorts guests the entire way from Isla Cozumel to Isla Holbox!
US$ 210 per person
Cozumel Atlantis Submarine Adventure
Cozumel Design Your Own Island Tour!
Cozumel Marine Turtle Observation & Baby Liberation Events with FP&M
Cozumel Design Your Own Island Tour!
Cozumel Punta Sur Ecopark, Lighthouse & Snorkeling
Personal Experiences
Submit Feedback
Two friends and I booked the dolphin swim AND got the manatee encounter for 15 minutes for thru Cozumel Insider. The manatee was FREE. The price, including the park, was only $88 when booked in advance. The park fee alone is $21...that's $77 PP for both a dolphin swim with about 11 others, incl. 4 children, AND the manatee. Our party of 3 were the only ones to get the manatee and she was a highlight of our trip. We got to feed her lettuce for almost 15 minutes as the guide explained her life to us. We are grateful for both experiences at such a great price. Thanks, Sherri. I can see where it's harder to find your story on your site. Can you repost it? It's very unusual and inspirational to others. Cheryl & Michael, MA
C. Pimental ~ Hingham, MA
I just wanted to let you know we really enjoyed our experience with the turtle salvation program this week. It was an amazing evening I will never forget. I will be sure to share the info with my local dive shops and SCUBA club when I return. I know that many others would love to participate and support the turtles. Thanks again and if you could pass along our appreciation to the biologists and other volunteers, we know it is all of your dedication that helps the turtles.
J & D Lamb ~ Tucson, AZ
We just came back from our Cozumel trip. We had a great time and really enjoyed the dolphin program. Thanks for giving our daughter such a great childhood memory!!!! By the way we came back to snow. Hope you are all enjoying the sunshine there!!
The Francis family ~ Columbus, OH
Hey ~ I just wanted to follow up and say what a great time we had swimming with the whale sharks. I also wanted to commend our tour guide Cesar. He was very knowledgeable of the people, the land, the culture, and the history. I would highly recommend him to anybody wanting to tour Mexico.
Thanks again for all of your help,
Matt Brosh ~ Austin, Texas
Just wanted to sayThank You for your webcam. We Love Cozumel and miss it so much. It is nice to be able to look at the webcam every day and see what is happening and the beautiful water. Your website has also been very helpful when planning our trips. Keep up the good work.
amy ~ southern Utah
Copyright © 2000-2014 Sherri Davis, All Rights Reserved. All website content is the property of Cozumel Insider unless otherwise attributed and cannot be used, displayed or reproduced without express written permission from Cozumel Insider. Contributors retain the copyright to their work where applicable; please do not take art or words without permission. Other graphics and reference materials are used and attributed as per the Fair Use Provision of The Copyright Act and individual terms of use.
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Honest, Queen's Head Pub, London
Tuesday 08 March 2011
If each of us were to masturbate into the same cup, it would "produce more of worth to the British taxpayer" than the section of the civil service called the Strategic and Tactical Development Team (acronym STD. T) where Dave, a young Welshman living in London, has the misfortune to work. Nursing a Coke and an existential hangover and clad in a dark suit and tie, Dave – portrayed with a wonderfully nutty charm by Trystan Gravelle – makes us his captive audience in the panelled snug room of the Queen's Head pub in Denman Street near Piccadilly Circus. The epic futility of a bureaucracy effective only at sustaining its own pointless existence has made Dave come unhinged. As he points out, even the name of his department is an offence against reason – "strategic" and "tactical" cancelling each other out and "development" meaning anything you like.
The result is that he has gone on two simultaneous binges – one alcoholic, the other a reckless spree of truth-telling. The main section of this driven, scabrously funny monologue by D C Moore takes Dave on a booze-fuelled odyssey that begins at an office party in a night club off Regent St, where they play "80s music so tedious it could literally make your heart stop" and where he treats his pseudo-cool, vacant boss to the news that he's a useless "posh spastic". We then see nocturnal South London through his manically perceptive, bracingly reductive gaze. Trendy Clapham, he reports, is like an AGM comprised of every graduate who happened to be "the biggest fucking prick" of their year. Lobbing an opened can of lager at a group stood outside a pub, he reckons that "there's not a single moment of doubt between them – or honour."
The show packs more into its 40 minutes than many a two-hour marathon.
To 3 April (020 7478 0100)
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More than Wages for the Working Poor
May 10, 2012
Russell Sykes
Proponents of an increase in New Yorks minimum wage argue that no full-time worker â especially a head of household raising children â should have to live on $7.25 an hour, or $15,000 a year.
But heres the thing: No one has to live in such poverty.
Low- and modest-income workers in New York receive more than $4.6 billion annually in wage supplements from the federal, state and New York City provision for an Earned Income Tax Credit. The credit is now claimed by more than 1.6 million working households in the state â one out of every five income tax filers â yet is often ignored in debates over the minimum wage, welfare reform and the perceived fairness of New Yorks tax system.
A single mother raising two children in New York and working full time at the minimum wage can claim a total of $6,646 from the federal and state EITC, increasing her annual income to $21,726. This is the equivalent of a job effectively paying $10.44 an hour, rather than the nominal minimum wage of $7.25 an hour.
The EITC is based on income tax returns, so it is a benefit available only to people who work. And, the credit is refundable, meaning that if it exceeds the amount of taxes owed, the difference becomes a refund. As a result, it puts money directly into peoples pockets, effectively acting as a negative income tax. In fact, more than 85 percent of EITC benefits are refunded.
Estimates by the Internal Revenue Service and others show that 75 percent to 80 percent of all eligible EITC households receive the benefit. The federal EITC is a major anti-poverty tool, lifting 6.3 million people including 3.3 million children out of poverty in 2010. The state EITC, set at 30 percent of the federal credit, adds an additional anti-poverty effect for working households.
Unlike a minimum wage increase, the EITC provides income support only to workers who really need it â without leading to job loss, deterring hiring or raising the cost of labor across the board.
By contrast, based on a comprehensive analysis of minimum wage studies, economists David Neumark of the University of California at Irvine and William Wascher of the Federal Reserve Board concluded that a higher minimum wage "neither helps low-income families or reduces poverty." They found that the EITC "subsidizes earnings for low-income working families and creates incentives for employment among families with no workers â pursuing much the same goals as suggested by the rhetoric, if not the reality of minimum wages."
Few minimum wage earners are the primary source of household income. A 2007 study by economists Richard Burkhauser of Cornell and Joseph Sabia of the University of Georgia found that only 13 percent of workers earning a wage of $7.25 or less were the primary earner in a household, while 46 percent were in families with incomes at or above three times the poverty level. The study concluded: The majority of low wage workers are not household heads ... and an even greater share are not poor household heads."
In another study, particular to New York, the same researchers concluded that an increase in the state minimum wage from the then $7.15 to $8.25 hourly would result in the loss of 29,000 jobs.
The state EITC increases tax progressivity, making New York the most generous state in the nation when it comes to taxing poor workers. Among the 42 states with income taxes, New York has the highest tax thresholds in the nation â the income at which earners begin to pay state income taxes â at $34,600 for a family of three and $40,300 for a family of four.
Debates will continue about adequate wages, whether New York taxes are fair and what more can be done to alleviate poverty. But in the interest of full disclosure, its time for decision makers to stop ignoring the existing EITC and the $4.6 billion it provides to New Yorks low-income earners annually.
Original Source: http://www.timesunion.com/opinion/article/More-than-wages-for-the-working-poor-3547158.php
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Institute for Policy Research, Inc. All rights reserved.
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Blackmagic is now giving away their popular Eyeon Fusion Software for free! Get the details in the following post.
There are a lot of really great discounts on post-production softwares available to students. We rank them from best to worst in the following post.
Check out the updates in Adobe Speedgrade CC 2014 and get the most out of the new features.
If you upgrade, will your video editing application work in OS X 10.10 Yosemite?
Blackmagic Design as acquired high-end compositing and effects app Eyeon Fusion, marking their entrance into another segment of film/video production.
4K video doesn't have to be expensive. In the following post we take a look at 9 of our favorite 4K cameras under $4,000.
Full frame DSLRs unlocked the potential of shooting in extremely low light situations by delivering great results at high ISOs. However, the vast majority of DPs today are not shooting full frame and need to think outside of the box when it comes to capturing images in low light.
Succeeding in film school isn't just about getting good grades. In the following tutorial we share 10 tips for maximizing your college experience.
It's easier than ever to make a low-budget film with high production value, yet so many filmmakers still create films that look unpolished. Here are 5 tips that are often overlooked on smaller-scale films.