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DEFINITION of 'Savings Incentive Match Plan For Employees Of Small Employers - SIMPLE'
A retirement plan that may be established by employers, including self-employed individuals. The employer is allowed a tax deduction for contributions made to the SIMPLE. The employer makes either matching or non-elective contributions to each eligible employee's SIMPLE IRA and employees may make salary deferral contributions.
INVESTOPEDIA EXPLAINS 'Savings Incentive Match Plan For Employees Of Small Employers - SIMPLE'
The employer has two alternatives when it comes to making contributions. The first is to match the amounts that each employee makes toward his or her own elective-deferral contribution up to 3% of the employee's annual compensation. The second alternative is for the employer to make a flat 2% nonelective contribution to all qualified employees, regardless of whether the employee makes any contributions.
Contributions to SIMPLE IRAs are immediately 100% vested, and the IRA owner directs the investments.
To learn more about the rules governing retirement plans, check out Can I contribute to my Roth IRA while participating in my employer-sponsored retirement plan?
Employee Savings PlanA pooled investment account provided by an employer that allows ...
Individual Retirement Account - ...An investing tool used by individuals to earn and earmark funds ...
Traditional IRAAn individual retirement account (IRA) that allows individuals ...
Roth IRAAn individual retirement plan that bears many similarities to ...
Simplified Employee Pension - SEP ...A retirement plan that an employer or self-employed individuals ...
Saver's Tax CreditA non-refundable tax credit available to lower income individuals ...
When are Simple IRA contributions due?
I work for two companies. How much can ...
Tax-Saving Advice For IRA Holders
Retirement Savings Plans For Kids


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100 - 500 downloadsAdd this app to your listsTweets por @Appszoom
The mission of Super Dr.Dog is to find the catty cat and defuse the bomb, but remember that it's top secret. All u have to do is save the world!
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Brought in my new Jetta Sport Wagon TDI for a small warranty repair. Greeted promptly, good explanation of what to expect. Within about 45 minutes I was on my way ... all fixed, completely washed, and even a small door ding was polished out ... no charge! What a great experience ... so glad I found this dealership, as we are brand new to Arizona. Very cool place! - William D
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It's well-known that California's a "progressive" state, and it seems that no place is more so there than Sacramento: every Lefty knows that humans cause global warming, and they seem to have taken decisive action in the capital city. They built light rail, and while its effectiveness as a transit option may be open to question, it's proving hugely successful at reducing the general population.
It appears that someone gets hit by one of the trains on an almost weekly basis there. And although in this morning's incident, a guy reportedly laid down on the tracks, a 15 year-old high school girl was run down and killed just five days earlier, a mere 200 yards from the site of this morning's incident.
One of my news feeds focuses upon light rail, and just about every week, there's a vehicle/light rail wreck or, increasingly, someone getting killed. As they're discovering in Sacramento, if you're interested in safety then you don't run trains in or along roadways.
You only do that if your real goal is population reduction.


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Ophelia Payne
Editor in Chief of Persephone Magazine, Ophelia spends most of her time in front of a monitor.She writes long, rambling emails in her free time.
Latest posts by Ophelia Payne (see all)
- Changes Afoot at Persephone Magazine - April 1, 2011
- Ladyguide: How Persephone Gets Made - March 15, 2011
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To all our American readers celebrating with family and friends tomorrow, have a safe, happy, and very tasty holiday. We'll have a little post from me in the morning, but otherwise we gave everyone tomorrow off. We'll be back on Friday with a lighthearted day, focusing on the food we all ate on turkey day, Black Friday adventures and little … Read More


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Thursday night was a good night for the Oliver Springs Middle School Bobcats and Lady 'Cats as both teams picked up wins over visiting Rockwood.
In the girls game, points were hard to come by as Oliver Springs won a defensive slugfest, 21-16.
The Oliver Springs Bobcats and Kingston Lady Yellow Jackets picked up a pair of impressive road wins on Thursday.
The Lady Jackets visited nearby Lenoir City and knocked off the Lady Panthers, 45-42.
The Kingston Lady Yellow Jackets ran their season record to 2-0 Friday night with a 51-43 victory over Meigs County in a TSSAA Hall of Fame game played at Roane County High School.
The news wasn't as good for the home team in the final game of the evening, as Meigs County came out hot and never looked back in picking up an 88-67 victory.
The public is welcome to experience the joy of Christmas during the two-day Rockwood Christmas Tour of Homes.
The tour, from 1 to 6 p.m. Dec. 6-7, is hosted by Rockwood 2000.
Rockwood's Christmas Home Tour has been synonymous with Rockwood for more than 20 years.
Ticketholders will have access to beautifully decorated homes and a horse and carriage ride.
There will also be a gingerbread house display, carolers, shopping at downtown businesses, holiday refreshments and Santa Claus.
After opening its season with a trio of losses, Michelle Christopher's Oliver Springs Lady Bobcats picked up their first win of the year Tuesday evening with a 66-56 victory over previously unbeaten Harriman (2-1).
The Midway Lady Green Waves ran their record to 4-0 at home Friday night with a 46-31 win over Oakdale (0-4).
In the second game of the evening, Oakdale used a huge third quarter to pull away from Midway for an 83-63 win. Midway dropped to 1-3 on the season with the loss while Oakdale jumped to 3-1.
After losing eight seniors from last season, Rockwood Lady Tigers head coach Amy Breazeale felt her team might suffer some growing pains early on in the 2014-15 campaign.
After losing at the trial level, the Houston brothers are seeking relief in the U.S. Court of Appeals for the 6th Circuit, where their federal convictions are being challenged.
Leon Houston, 55, was convicted in November 2013 for using a telephone communication to threaten to kill Cleveland attorney James Logan.
U.S. District Judge Danny Reeves sentenced him to the maximum five years in March.
The 6th Circuit covers Kentucky, Michigan, Ohio and Tennessee.
The U.S. Attorney's Office must file a brief in the case by Dec. 22.
Rock Creek Campground, part of the Obed Wild and Scenic River, should soon reopen after construction activities.
The campground was scheduled to be closed through Nov. 21 for construction of a new comfort station that is compliant with the Americans with Disabilities Act and is accessible to mobility-impaired visitors.
Campsites were also to be upgraded with new picnic tables, campfire grill rings, and wildlife-proof food storage lockers.
Call 423-346-6294 for more information.
Copyright © 2014
The Roane County News is your source for local news, sports, events, and information in Roane County and Kingston, Tennessee, and the surrounding area.


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REFILE-RPT-EXCLUSIVE-Duo tracks double-dipping in U.S. oil firms' toxic tank cleanup
(Refiles to reformat links to graphics for some subscribers)
* Environmental engineer, lawyer unravel a mystery
* Detective work helps cash-strapped U.S. states
By Mica Rosenberg
BIRMINGHAM, Alabama, Feb 10 (Reuters) - A pioneer in cleaning up toxic messes, Thomas Schruben long suspected major oil companies of being paid twice for dealing with leaks from underground fuel storage tanks - once from government funds and again, secretly, from insurance companies.
Schruben, a detail-oriented Maryland environmental engineer who helped draft government pollution rules going back 30 years, looked for a lawyer to help ferret out what he believed could in some cases be fraud. He found a partner in Dennis Pantazis, a buoyant, mustachioed son of Greek immigrants in Alabama known for bringing environmental and civil rights cases.
"Together we started unraveling the mystery," Schruben said.
The U.S. Environmental Protection Agency, Schruben's former employer, has called the rusted, leaky steel tanks the single largest threat to groundwater in the United States. Often built for gas stations during the 1950s and '60s highway construction boom, the tanks corroded over time, spilling gas and diesel with potentially cancer-causing chemicals under properties and into aquifers.
The two men assembled a team of lawyers, investigators and experts to search public records and case files for evidence and brought their findings to state governments, hoping to be hired as advisers or legal counsel. New Mexico paid more than $1 million in attorney fees after one $5.2 million settlement from Chevron last September.
They now are involved in around 20 cases across the country and officials in several states said they could never have brought the cases without Schruben, Pantazis and their team.
Court documents show many of the cases and settlement agreements follow a similar pattern, accusing the oil companies of "double-dipping" by collecting both special state funds and insurance money for the same tank cleanups. Some states say any insurance payouts should have gone to them since they covered the cost of the work.
"It appears this was a really common practice and it's very disconcerting," Colorado Attorney General John Suthers said in a phone interview. "Basically the companies were defrauding the state." Colorado has so far signed settlement agreements with three companies for $35 million, according to documents seen by Reuters.
While the underground tank expert and the lawyer are reluctant to discuss details of ongoing litigation, Reuters found nine states have won settlements worth more than $105 million with four companies in the past three years - Chevron , Exxon, ConocoPhillips and its downstream arm Phillips 66, and Sunoco.
In none of the settlements or comments to Reuters did companies admit wrongdoing.
Lawsuits are pending in at least seven other states.
Pantazis declined to say whether he was involved in all the cases Reuters found.
Some oil companies said they were cooperating with officials. Exxon, in particular, said it informed the states about cases in which it found it was paid twice. In the settlement documents, companies say they followed the law when receiving reimbursement from the funds.
The settlements represent a tiny amount of money for oil firms but can make a big difference for cash-strapped states.
Schruben left the EPA in the 1990s to work at insurance companies and as an independent consultant. After years working on the tank cleanups in and out of government, he started developing suspicions. But it took a deeper look at documents from state tank funds and insurance litigation, some going back as far as the 1940s, to start uncovering answers.
He laid out the kind of information the group found in a PowerPoint presentation given in 2009 to Arizona's Department of Environmental Quality, which oversees that state's underground tank fund. It was obtained by Reuters through a Freedom of Information request.
The first slide declares: "The state cleanup fund paid for the clean up: Major oil collected the same dollars from their insurance carriers!"
It shows how the team - with documents uncovered by their legal research - matched specific gas stations covered by multimillion-dollar insurance payouts with the same stations that had received state funds.
Insurance companies are not named as parties in any cases and the policies cited go back many years and cover a wide range of liabilities, not just underground tanks.
Approximately 40 states and the District of Columbia have special funds to cover the costs of removing and replacing the old tanks, excavating tainted dirt and pumping out dirty groundwater.
Since 1988, there have been more than half a million leaky tanks reported across the country. Nearly 80,000 spills still are waiting to be cleaned up.
In the New Mexico settlement last September, court documents show the origin of the case against Chevron was a sealed lawsuit filed by Schruben and Pantazis' team in 2009 under a state law designed to protect taxpayers from fraud.
One document from 2006, for example, shows Chevron received a check for $19,000 from the state to clean up and monitor a leak at a gas station in the small, southern New Mexico town of Artesia. On the application to receive money from the tank fund, the company checked "No" next to the question: "Do you have insurance?"
The lawsuit accused Chevron of receiving insurance payouts to deal with many kinds of environmental contamination, including policies that would have covered leaks at the gas station in Artesia - a fact it kept hidden from the state.
"When I first saw these cases, I thought this is kind of incredible," said New Mexico assistant attorney general Seth Cohen, who handled the lawsuit for the state. "The oil companies have, in effect, profited off polluting."
Cohen said prosecutors would not have known about the problem if the duo and their team had not filed the lawsuit.
Chevron spokeswoman Sheila McNulty said the company had negotiated with the states in good faith to reach agreements in which the company does not admit any fault.
Chevron "takes seriously any allegation that it made misrepresentations or otherwise acted improperly (and) is conducting on-going dialogue with various state officials," she wrote in an email.
A separate case against Exxon is pending in New Mexico.
Exxon spokesman Todd Spitler said that in 2004, the company told 24 states it had discovered insurance payouts it received on top of state claims and, in some cases, voluntarily offered compensation.
"ExxonMobil has always sought to act transparently and honestly with all of the state funds - both in the communications of our actions and in the filing of reimbursement claims," Spitler wrote in an email.
Some companies challenged the accusations in court. For example Phillips 66, the arm of ConocoPhillips, denies in court documents that its insurance policies covered underground storage tank leaks. A ConocoPhillips spokesman declined to comment beyond the court filings.
Other companies involved in lawsuits, including Shell and Sunoco, said they do not comment on ongoing litigation. A BP spokesman said, "The claims in the complaints are without merit, and BP plans to defend itself against the allegations."
The lawsuits against the oil companies allege fraud or other civil, not criminal, claims, which have a lower burden of proof and do not lead to jail time.
Pantazis said the companies were largely cooperating to forge settlement deals and were interested in partnering with the states to clean up the legacy of petroleum leaks.
"In some instances you might say these were intentional actions. In some instances it may have been a case of the right hand not knowing what the left hand was doing," Pantazis said.
More settlements are expected. In Arizona, Chevron and Exxon settled claims out of court, with Chevron paying $14 million last April and Exxon paying $11.5 million in 2011. In November, Utah settled a case for $2 million with ConocoPhillips/Phillips 66, according to documents from the office of the attorney general.
New Mexico has around $13 million per year to spend on cleaning up leaky tanks and returned about $4 million to the fund, said Cohen, the state's assistant attorney general.
"They certainly can put this money to very good use." (Editing by Howard Goller, Peter Henderson and Grant McCool)
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This is a pretty tasty beer, I think it's only released in British Columbia and Alberta right now though:http://www.brewtosaurus.com/news/ric...ter-lager.html
Very good feel to it, makes me think about finally using that bag of oak I bought last year
Looks like I'm the only one who enjoys this beer, so I'll share with myself here the recipe I made to clone it. Now that it's aged some, I'd adjust it for a bit more sweetness, add some crystal 20 in there, even replace the c80 with 1lbs of c20 maybe...
Mash at 152, note that I got awesome efficiency on this (87%) so the volumes are a bit weird, I was shooting for a 4g batch. Racked into secondary on oak chips for 11 days.
Recipe: Oakheart
Brewer: Mike
Style: Wood Aged Beer
TYPE: All Grain
Recipe Specifications
Boil Size: 5.37 gal
Post Boil Volume: 4.83 gal
Batch Size (fermenter): 4.25 gal
Bottling Volume: 4.25 gal
Estimated OG: 1.052 SG
Estimated Color: 12.2 SRM
Estimated IBU: 21.6 IBUs
Brewhouse Efficiency: 87.00 %
Boil Time: 40 Minutes
Amt Name Type # %/IBU
5 lbs Pale Malt, Maris Otter (3.0 SRM) Grain 1 78.7 %
4.0 oz Caramel/Crystal Malt - 80L (80.0 SRM) Grain 2 3.9 %
1.6 oz Chocolate Malt (150.0 SRM) Grain 3 1.6 %
1.00 oz Tettnang [4.50 %] - Boil 40.0 min Hop 5 16.8 IBUs
0.50 oz Tettnang [4.50 %] - Boil 15.0 min Hop 7 4.8 IBUs
1.00 Items Whirlfloc Tablet (Boil 15.0 mins) Fining 6 -
2.00 oz Oak Chips (Secondary 7.0 days) Flavor 9 -
1 lbs Brown Sugar, Dark (50.0 SRM) Sugar 4 15.7 %
1.0 pkg American Ale (Wyeast Labs #1056) [125.00 Yeast 8 -
I liked this better than their Cardigan. Your clone recipe looks good though!
Fermenter 1 - Mynx and Maple's Too Wild Mild
Fermenter 2 - 2 Hearted Clone
Bottle conditioning - Nothing
Drinking - Aged Porter, APA
I will have to head down to the liquor store and try this out. I live in kelowna as well. Where do you buy your ingredients from? I have been buying from hopdawgs, I pay shipping because I'm too lazy to drive down. I have been thinking about taking a drive to gambrinus in Armstrong but I'm not sure the minimum amount of grain they will sell. It would be nice to find some local homebrewers who might be willing to go in on some bulk grains. I think it's around $25 for a 55lb sack of 2 row
Primary 1 Hoppy birthday IPA
Primary 2 Citra blonde
Secondary: Do people still use secondaries?
Drinking: Beer from the store :(
Did a review on this for my brew club's website not too long ago:
"Rickard's Oakhouse Winter Lager is a clean, pleasantly oak-infused lager that will impress most fans of wood-aged beers and convince lager brewers that their cold-fermented cousins to traditional ales may be worthy of experimentation with wood aging. Perhaps the easiest way to describe this beer is that it is extremely similar to the vanilla/oak offerings of Innis & Gunn.
The beer's aroma is heavily of oak, with little malt and no hops on the nose. It pours brilliantly clear with the expected amount of carbonation for a light lager. Its colour is deep golden, approaching amber, and the beer has a persistent creamy head and nice legs in the glass.
This lager has perhaps slightly less oak flavour than the aroma would suggest, which is probably a good thing. The oak contributes a few tannins to the beer's character, and though not unduly harsh, they do result in a slight hint of astringency in the beer's finish. The mouthfeel is excellent; smooth and creamy with a clean finish brining out subtle vanilla notes that linger on the palate.
There is a pleasant maltiness to the beer, but it is nevertheless well-attenuated and does not give the impression of being sweet. There is no hop flavour but good supporting bitterness, resulting in a very well-balanced beer.
Overall this is quite an enjoyable lager, clearly defined by the presence of oak as the name promises. Best enjoyed cool as one would expect of a lager, this beer should not be your "winter warmer" of choice but is worth exploring if you are a fan of the lighter styles of wood-aged beer. I grade this beer an 8 out of 10."
2012 Canadian Brewer of the Year
2013 Canadian Brewer of the Year
I enjoyed it as well. We have had in Montreal for several months now....


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Native Plants
Q. Who is Mr. Smarty Plants?
A: There are those who suspect Wildflower Center volunteers are the culpable and capable culprits. Yet, others think staff members play some, albeit small, role. You can torture us with your plant questions, but we will never reveal the Green Guru's secret identity.
Did you know you can access the Native Plant Information Network with your web-enabled smartphone?
Ask Mr. Smarty Plants is a free service provided by the staff and volunteers at the Lady Bird Johnson Wildflower Center.
Need help with plant identification, visit the plant identification page.
rate this answer
Friday - March 21, 2008
From: Pflugerville, TX
Region: Southwest
Topic: Rare or Endangered Plants, Compost and Mulch, Trees
Title: Native plants for Pflugerville, TX in blackland soil
Answered by: Barbara Medford
QUESTION:Mr. S-P, I'm perusing the plant sale list for a couple of tall shrubs to plant on the sunny southwest side of my house, in Blackland soil. It is generally dry there because of the sun, but can get soggy from roof runoff in a monsoon such as last summer's. I have lost both rhus virens and cenizo in that location from too much rain. Well-established in that bed are rhus aromatica, lonicera sempervirens, ilex decidua, Eysenhardtia texana, salvia greggii, and muhlenbergia dubia (it's a long, narrow space). I am considering Philadelphus ernestii, Bauhinia lunarioides, Cercocarpus montanus, Cordia boissier, or Mimosa borealis. The location has morning shade, hot mid-day sun, and a little shade in the very late afternoon. If I build the soil up and incorporate granite sand, would I have luck with any of the above-listed plants? I want something at least 4 feet tall.
Thank you for being interested in our annual Plant Sale and for going so far as to research the plants on sale. Generally speaking, you can count on the plants sold there doing okay in this area. That's what we specialize in at the Lady Bird Johnson Wildflower Center sales, plants that we know can be grown here because they ARE being grown here. We do understand your considering adding something like granite sand or decomposed granite to the soil, as all these plants seem to be found in nature in rocky, limestone areas. Obviously, you need to amend the soil or raise the level of the bed for drainage from your roof. You might consider that those plants grow where they do in the wild because that's what there is, rocky soil. They all need good drainage, true, but perhaps raising the level of the bed, and adding compost for drainage might be just as effective. Another suggestion is just not to try raising plants that are basically desert plants in an area that is going to get drenched when there is rain, like we had last year, or at least installing some guttering.
Philadelphus ernestii (canyon mock orange) In the wild, this plant is considered rare and needing protection. It will adapt to different conditions, but does need some shade and a protected location.
Bauhinia lunarioides (Texasplume) This plant is rare in the wild in Texas; it is winter hardy in Austin but farther north needs to be planted in a protected, south-facing location.
Cercocarpus montanus (alderleaf mountain mahogany) This is considered a Chihuahuan desert plant, but apparently can adapt to different conditions.
Cordia boissieri (anacahuita) This is rarely found in the wild, but is considered a good flowering tree to have in the landscape near a house, as its roots are not too intrusive. The fruit attracts birds and other wildlife, but is not recommended for human consumption.
Mimosa borealis (fragrant mimosa) Grows in the brushy, limestone areas of the Trans-Pecos.
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June 02, 2012 - 3 native 5-year-old oaks kept old leaves until March and are not leafing by the end of May. The few leaves that have emerged are shriveled. WHAT'S WRONG?
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November 02, 2012 - I need some puppy-friendly short(< 30') privacy from the gigantic windows of my next door neighbor. But- there are power lines above the area that I needed to plant! I had planned on an aspen grove, ...
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May 18, 2013 - Hello, We have a tulip tree that has some bark splitting I guess I would call it. The tree is older and very tall. On the north side of it starting at the bottom of the trunk to about 8-9 feet up i...
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text: We stayed in Toi Toi unit for one night and loved it! We were exploring The Catlins so used Waikawa as one of our stop-over nights. The unit is one bedroom with a lounge, kitchenette, a comfortable bed/room and large bathroom. The free laundry facilities were a welcomed, unexpected bonus. There is a lovely view out to the estuary and... More


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Posts Tagged 'Late Show Ratings'
November 4th, 2010 at 9:44 am
'Late Show' Sweeps 'The Tonight Show' in Viewers, Adults 18-49 and Adults 25-54 for the First Time Since Jay Leno's Return
via press release: IT'S A CLEAN SWEEP FOR DAVE "Late Show" Sweeps "The Tonight Show" in Viewers, Adults 18-49 and Adults 25-54[Read-More]
October 28th, 2010 at 10:18 pm
Jay Leno's Tonight Show Ratings Still Below Conan's With Each In Repeats
Even in repeats, Jay was still below Conan from a year ago.[Read-More]
October 21st, 2010 at 10:06 am
Jay Leno's Tonight Show Ratings Stay Below Conan's For Yet Another Week
Jay still below Conan from a year ago.[Read-More]
October 15th, 2010 at 9:40 am
Jay Leno's Tonight Show Ratings Stay Below Conan's
Jay's ratings remained below Conan's, and tied Letterman's.[Read-More]
October 7th, 2010 at 10:26 am
Jay Leno's Tonight Show Ratings Again Fall Below Conan O'Brien's
Jay still having problems reaching Conan's ratings of a year ago.[Read-More]
October 7th, 2010 at 10:11 am
'Late Show With David Letterman' even with 'The Tonight Show with Jay Leno' In Adults 25-54 & 18-34
via press release: "Late Show" EVEN WITH "THE Tonight Show" IN ADULTS 25-54 AND ADULTS 18-34 "The Late Late Show" Tops "Late[Read-More]
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Fugitive lip biter arrested in California
Nov 6, 2014
Jonathan E. Benedict
Oct 30, 2014
Darrell W. Cook
Oct 2, 2014
Michael Polchies
Sep 25, 2014
Home » News » Crime
Woman who struck Amherst police cruiser prohibited from driving
Judge Martha Crocker of the 9th Circuit Court, Milford District Division, has ordered that Cheryl Nelson, 44, of Tyngsborough, Mass., not be permitted to operate any vehicle after Friday's incident in Milford and Amherst. Nelson is facing numerous charges after allegedly causing three accidents in a 15-minute time span Friday, according to police, who said she ended the incident after striking an Amherst Police Department cruiser with her car.
"There was a pretty decent amount of damage," said Amherst Police Chief Mark Reams. "It is one of our older cruisers, and my guess is that it might be totalled."
Reams said the driver of the cruiser, Sgt. Patrick Webster, was treated and released from a local hospital with undisclosed injuries.
According to court documents, Nelson was under the influence of drugs when her 2005 Ford Explorer first hit a 2006 Ford Escape occupied by Celina and James Antonellis Friday near 505 Route 13 South in Milford. Police say Nelson crossed the yellow double line and caused the Ford Escape to lose control and roll over.
Police said Nelson failed to stop at the accident scene and continued driving the wrong way around the Milford Oval when she then struck a 2004 Dodge Ram 1500 owned by Mark Keenan, again leaving the scene of the accident without stopping, according to court records.
While two police cruisers began a brief pursuit of Nelson's vehicle, she ignored the flashing emergency lights, turned her car around and struck the front end of Webster's patrol vehicle near 98 Spring St., according to Reams.
She is facing several charges for the incident, including three counts of reckless conduct, two counts of conduct after an accident, and one count each of reckless operation, criminal mischief, driving under the influence, simple assault and disobeying an officer.
In addition to the driving offenses, police allege that Nelson pushed a woman at the Amherst Police Department while trying to escape a booking cell and also wiped her urine-soiled clothing on the walls of the same booking cell, according to court documents.
During her arraignment Monday, a judge kept Nelson's bail set at $25,000 cash and also ordered that if she is released, she is prohibited from driving a motor vehicle.
Reams said Webster took two days off from work while he recovered and is expected to return to duty Tuesday.
New Hampshire State Police are investigating the accident involving the police cruiser, the chief said.
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U.S. Issues Pakistan Aid to Improve War Relations
U.S. Issues Pakistan Aid to Improve War Relations
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In her brilliant June 7 Wall Street Journal column, Debra Burlingame played the role of Paul Revere in alerting us to "The Great Ground Zero Heist." The heist to which she referred was that of the International Freedom Center planned for Ground Zero; she is is a member of the board of directors of the World Trade Center Memorial Foundation and the sister of Charles F. "Chic" Burlingame III, pilot of American Airlines fight 77, which was crashed at the Pentagon on September 11, 2001. This afternoon Debra appeared on the opening segment of the MSNBC Connected Coast to Coast show with Ron Reagan and Monica Crowley. She was exceedingly eloquent and restrained. I had the difficult task of following Debra on the show together with Bill Scher of Liberal Oasis.
Several sites have posted the video of the two segments regarding the International Freedom Center. Robert Shurbet of the Take Back the Memorial site has posted the video here (both segments), Ian Schwartz of The Political Teen has posted the video here (Debra) and here (me), and Mark Williams of Dem Bloggers has posted the video here (second segment only). Message: Take back the memorial.
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Recipe of the Day
White Chocolate Macadamia Nut Cookies III
I was served this cookie at a restaurant in Springfield, MO during a business conference. Went home and made up this recipe which has been a hit at any church gathering when I take them...better than the one I had at the conference.
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Supporters of Yemen's President Ali Abduallah Saleh stand on flag poles celebrating his return to Sanaa, Yemen, Friday, Sept. 23, 2011. President Ali Abdullah Saleh made a surprise return to Yemen on Friday after more than three months of medical...
Palestinians hold up shoes as they watch live footage of Israeli Prime Minister Benjamin Netanyahu's speech at the United Nations General Assembly in New York, in West Bank city of Hebron. Friday, Sept. 23, 2011. (AP Photo/Nasser Shiyoukhi) UNITED...
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A pair of five-run LSU innings were too much for Auburn's baseball team to overcome in an 11-3 loss Friday night at Plainsman Park.
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Kurdistan's Nature - 'The Switzerland of the Middle-East'
The Imperial Powers divided Kurdistan into 4 parts after World War I. Turkey, Syria, Iraq and Iran each got a slice of Kurdistan. The Kurds have been fighting for their freedom ever since. Hundreds of
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Location: Arbil, Kurdistan, Iraq | Leaked: Sep-20-2014 in Iraq, Other Middle East, Other Entertainment, Nature
Wheels of fire...
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Unethical human experimentation in the United States 20th century
Particularly in the 20th century, there have been numerous experiments performed on human test subjects in the United States that have been considered unethical, and were often performed illegally, wi
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Miko Peled – Israeli Jew, Son of Israeli Army General Exposes Truth About Israel
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Rangers going hard after Marlins' Jorge Cantu
Jul 25, 2010, 2:44 PM EST
MLB.com's T.R. Sullivan first reported it last night and now Ken Rosenthal of FOXSports.com is confirming. The Rangers, six games up in the American League West, are going hard after Marlins corner infielder Jorge Cantu in their ongoing search for a quality right-handed bat. Cantu, 28, isn't having the best July, but he was an…
O's activate Matt Wieters from the disabled list
Jul 25, 2010, 1:29 PM EST
Orioles catcher Matt Wieters has been activated from the 15-day disabled list and is batting seventh in Sunday's lineup against the Twins. Wieters was placed on the disabled list just…
Multiple teams looking to acquire Scott Downs
Jul 25, 2010, 12:18 PM EST
Jon Paul Morosi of FOXSports.com reports that the competition to acquire Blue Jays reliever Scott Downs has become "fierce" between the Red Sox and Yankees. The Mets, Reds, Twins and Rockies have also expressed interest…
Zambrano throws two scoreless innings at Triple-A Iowa
Jul 25, 2010, 11:40 AM EST
Carlos Zambrano took another big step toward returning from his team-issued suspension on Saturday night with two scoreless innings of relief for Triple-A Iowa. This according to Paul Sullivan of the Chicago Tribune. Big Z used 29 pitches. He allowed only…
Brad Ausmus, 41, says he will retire after this season
Jul 25, 2010, 10:38 AM EST
Veteran catcher Brad Ausmus told Tony Jackson of ESPN Los Angeles on Saturday that he intends to retire at the end of the 2010 season. "This year is it," Ausmus said. The 41-year-old inked a one-year, $850,000 contract with the Dodgers in the offseason and was also given a $1 million mutual option for 2011. …
Tigers interested in Boston's Mike Lowell
Jul 25, 2010, 9:51 AM EST
Joe McDonald of ESPN Boston reports that the Tigers have begun making a push for Red Sox infielder Mike Lowell. The Tigers lost starting third baseman Brandon Inge to a fractured left hand…
UPDATE: Velez struck in dugout with liner, taken to hospital
Jul 25, 2010, 8:42 AM EST
Eugenio Velez was struck in the dugout by a Pat Burrell foul ball on Saturday at Chase Field and had to be rushed to a local hospital…
Magglio has fractured ankle, out for next 6-8 weeks
Jul 24, 2010, 9:18 PM EST
As first reported by Jeff Blair of the Toronto Globe and Mail, Tigers outfielder Magglio Ordonez has been diagnosed with a fractured right ankle and will miss the next 6-8 weeks. The 36-year-old had been battling…
Rays may promote Jeremy Hellickson as a reliever
Jul 24, 2010, 8:44 PM EST
Rays fans have been pushing for the club to promote top pitching prospect Jeremy Hellickson since early May, but fifth starter Wade Davis, 24, has looked better as of late and it's been hard for manager Joe Maddon and Co. to find a fit for the highly touted 23-year-old. That could change in a few…
Position-by-position trade deadline preview: Third base
Jul 24, 2010, 7:30 PM EST
This is the fourth in a series of articles looking at players who might be available in the days leading up to the July 31 trade deadline. Jose Bautista (Blue Jays) – Bautista has played twice as much right field as third base this year and it's quite possible that he'd be a full-time outfielder…
Phillies prospect J.C. Ramirez scratched from Sunday start
Jul 24, 2010, 6:57 PM EST
During an appearance on Saturday's Mets-Dodgers game on FOX, Ken Rosenthal said that Phillies prospect right-hander J.C. Ramirez was a healthy scratch from his Sunday start for Double-A Reading. This could mean nothing, of course, but it is especially curious during this time of year. Rosenthal noted that the Phillies remain in talks for Roy…
Andy Pettitte hopes to return ahead of schedule
Jul 24, 2010, 6:03 PM EST
Andy Pettitte, who went on the disabled list Monday with a groin strain, played catch for about five minutes from 60 feet on Saturday, according to the Associated Press. Diagnosed with Grade 1 strain, the veteran left-hander isn't expected to return until mid-to-late August, however he told reporters Saturday that he doesn't think that timetable…
UPDATE: Corey Hart sidelined with wrist injury
Jul 24, 2010, 4:52 PM EST
UPDATE: No surprise here. Hart is out of the lineup against the Nationals tonight. He told Tom Haudricourt of the Milwaukee Journal Sentinel that his wrist is still too sore to even try to swing a bat. "It's sore," he said. "Hopefully, it won't be too long, especially the way things have been going for…
Gary Matthews Jr. opts out of his contract with the Reds
Jul 24, 2010, 3:45 PM EST
I'll interrupt all this talk about the upcoming July 31 non-waiver trade deadline to bring you this moment of levity. According to John Fay of the Cincinnati Enquirer, Gary Matthews Jr. has officially opted out of his contract with the Reds and is now a free agent. Matthews, who signed a minor league contract with…
The Diamondbacks want a lot for Dan Haren
Jul 24, 2010, 2:47 PM EST
According to Buster Olney of ESPN.com, the Diamondbacks are asking the Tigers for top pitching prospects Andy Oliver and Jacob Turner in exchange for Dan Haren. Oliver just recently posted a 7.36 ERA over his first five starts in the big leagues, but the 22-year-old left-hander is 6-4 with a 3.61 ERA and 1.28 WHIP…
Ben Sheets could miss rest of season with elbow injury
Jul 24, 2010, 2:10 PM EST
Here we go again. According to Susan Slusser of the San Francisco Chronicle, Ben Sheets is headed to the disabled list after yet another injury to his right elbow. Sheets told Slusser that his elbow has been "too swollen" over his past two or three starts. When asked if he is looking at missing the…
John Maine has season-ending shoulder surgery
Jul 24, 2010, 1:50 PM EST
According to Andy Martino of the New York Daily News, John Maine underwent season-ending arthroscopic surgery Friday to clean out scar tissue in his right shoulder. Maine was 1-3 with a 6.13 ERA over his first nine starts this season before going on the disabled list with right arm fatigue on May 21. The Mets…
Roy Oswalt would be open to restructuring contract
Jul 24, 2010, 1:15 PM EST
Roy Oswalt confirmed Friday that he would be willing to restructure his $16 million club option for 2012 given the right situation, according to Joe Strauss of the St. Louis Post-Dispatch. "I'm going to find a way to get it done," Oswalt told a gathering of Houston reporters. "I'm not going to go somewhere where…
Jason Bay is Friday's human highlight reel
Jul 24, 2010, 12:31 PM EST
This hasn't been a fun year for Jason Bay. Signed to a four-year, $66 million contract over the winter, the 31-year-old outfielder is batting a modest .260 with six homers and 47 RBI. This time last year, he had 20 homers and 72 RBI. The Mets just haven't gotten what they paid for. After going…
Ted Lilly could be traded this weekend
Jul 24, 2010, 11:29 AM EST
Major league sources told Chris De Luca of the Chicago Sun-Times that Ted Lilly could be traded by the end of the weekend. Interest in the veteran left-hander has skyrocketed after he tossed 7 1/3 innings of one-run ball against the Astros on Wednesday. Naturally, the Cubs appear quite content to sell high. Sources tell…
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Slash Pens Score for Universal Studios Hollywood 'Clowns 3D' Halloween Attraction
Slash has lent his guitar talents to penning a score for the upcoming 'Clowns 3D Music by Slash' maze at Universal Studios Hollywood's Halloween Horror Nights.
Slash has lent his guitar talents to penning a score for the upcoming 'Clowns 3D Music by Slash' maze at Universal Studios Hollywood's Halloween Horror Nights.
Vote for either Chevelle's 'Hunter Eats Hunter' or Slash's 'World on Fire' in this Loudwire Cage Match.
Former UFO bassist Pete Way has secured guest spots from Slash and Nikki Sixx for his upcoming solo album.
With anticipation building for Slash's new album 'World on Fire,' his band's takeover of Los Angeles' most iconic venues has been announced.
In celebration of Guitar Center's 50th anniversary, Slash and company will play three shows over the span of a week. The first show is at the Troubadour on Sept.
Last week, the first ever Alternative Press Music Awards took place and featured a number of memorable performances.
Slash discusses his rehab and what it was like the first time he returned to the stage playing sober.
Slash speaks with 'Loudwire Nights' host Full Metal Jackie about the 'World on Fire' disc, his band and touring this summer with Aerosmith.
Scott Weiland recently offered that he'd like to return to Velvet Revolver for some "easy money" shows, but Slash says the band is still seeking a replacement.
Linkin Park's Mike Shinoda, Slash and more delve into the loss of audio from compression in the informative new short film, 'The Distortion of Sound.'
Before jumping on the Aerosmith North American Tour run followed by their own European stretch, Slash featuring Myles Kennedy and the Conspirators rolled into the Casino Ballroom in Hampton Beach, N.H. on July 9 for one of a handful of intimate headlining shows this summer.


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I don't do any work over the weekends, so I'm playing some catch-up on Saturday's April Fool's Madness in the search world. What have we got?
- Google Romance was launched
by Google.
- RhymeRank
was unveiled by Ask.
- MSN Search Spoof was either resurrected from
last year
or rediscovered by those hoping for an April Fool's prank from MSN.
- Yahoo seems to have taken the weekend off, like me.
- Google's Matt Cutts
went to work for Yahoo, while...
- Yahoo's Jeremy Zawodny
went to work for
Google, while...
- MSN Microsoft Windows Live's Robert Scoble
went to work for Google as well.
- Google
launches new "larger than life" display ads along with one-pixel sales.
- Google launches Google Rooms.
What's New for 2015?
You spoke, we listened! ClickZ Live New York (Mar 30-Apr 1) is back with a brand new streamlined agenda. Don't miss the latest digital marketing tips, tricks and tools that will make you re-think your strategy and revolutionize your marketing campaigns. Super Saver Rates are available now. Register today!


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Wiki Headlines
18th Nov: We've switched servers and will be updating the old code over the next couple months, meaning that several things might break. Please report issues here.
main index
David Brin is an American Science Fiction writer, creator of the Uplift universe. He is also the author of a highly amusing (and packed end to end with puns and references) novel called The Practice Effect, and wrote the storyline to Ecco The Dolphin: Defender of the Future.Brin gained a measure of notoriety among Star Wars fans for printing a blisteringly critical series of essays regarding that universe's philosophies and messages. These were later compiled into a book with Matt Stover called Star Wars on Trial.Brin is probably the best known of the authors sometimes referred to as "the Killer B's", which also includes Greg Bear and Gregory Benford. The three are often credited with helping to revitalize hard SF after the rise of Cyberpunk. They became associated when each wrote one volume of a prequel trilogy to Isaac Asimov's Foundation series.
Works by David Brin with their own trope pages include
Tropes found in his other works include


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You are viewing the Writing Complete Sentences Collection
Form a Sloth Sentence
This sloth is talking verrrry slowwwwly, can you make a sentence with his words? Help your first grader build his reading and writing skills with this beginner's writing worksheet. Have your student rearrange the jumbled words to make a complete sentence, and write it out on the line below.
Topics: First Grade, Writing Sentences, Handwriting
Updated on Dec 19, 2013
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Fresno State
Rebs Win
LAS VEGAS (AP) _ Nicolai Bornand made a 33-yard field goal in overtime, lifting UNLV to a 30-27 victory over Fresno State on Friday night in a game of missed opportunities for both teams.
Vlog This!: The Royal Las Vegas Bowl
We had some fun with Chad this week. After a well devered vacaation, he has to gear up for the Las Vegas Bowl. With the confutuion on coaches and his "on-screen performance", we meshed together a few takes until he got it right.
Fresno State, USC Will Meet In Las Vegas Bowl
The Trojans and Bulldogs will meet in the 2013 Royal Purple Las Vegas Bowl at 12:30 p.m. Dec. 21 at Sam Boyd Stadium.
Heisman Watch: Fresno State's Derek Carr Gets One Last Chance
Few quarterbacks in college football have put up the kind of passing numbers Fresno State's Derek Carr has this season. Carr has passed for a nation-leading 4,462 yards and 45 touchdowns while being picked off just five times all year.
Fresno St. Transfer Cleared to Play for the Rebels
Kevin Olekabie could soon be wearing Rebel red. The NCAA has approved a waiver for UNLV, allowing the senior guard to play basketball immediately without penalties.
UNLV Goes Down to Fresno 38-14
Fresno quarterback Derrick Carr threw for 412 yards and four touchdowns to lead the 17th ranked Bulldogs past the Rebels 38-14.
Vlog This!: Won Four, Bring On Five
UNLV has won four games and Chad can't be happier.
Rebels Go Down on Senior Day, 61-52
In the last regular season game for seniors Justin Hawkins, Anthony Marshall and Quintrell Thomas the Rebels were upset by visiting Fresno State 61-52 on Saturday.
Rebels Go Down On The Road Again
The Runnin' Rebels road woes continued Wednesday night in Fresno, as the Bulldogs upset the Rebels, 64-55.
Maaco Bowl Hits Las Vegas
As part of a highly sought matchup of teams boasting an undefeated record in four BCS games, No. 10/10 Boise State will make its first-ever appearance in the MAACO Bowl Las Vegas when the high-powered […]


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laicizeLine breaks: lai|cize
Pronunciation: /ˈleɪɪsʌɪz /
(also laicise)
Definition of laicize in English:
verb[with object] formal
Withdraw clerical character, control, or status from: when his priestly vocation no longer satisfied him he had asked to be laicized
More example sentences
- Some argue that to laicize clerics who have abused minors would be to deprive them of the oversight and support the Church should give them, and to increase the likelihood that they will abuse again, and thus to increase risks to children.
- Talk about returning laicized priests to active ministry is just beating a dead horse.
- Dwyer cites a shrinking clergy and the failure to laicize church administration as envisioned by Vatican II, and the absence of a plan for the church in America 'ten years from now, twenty years from now in terms of secular worldly power.'
- 1
laicism noun
- Example sentences
- I submit, therefore, that a great deal of thought and probably some experimentation are needed to arrive at the correct via media between clericalism and laicism.
- Today we have other models, which we sometimes follow blindly, models which arouse and strengthen religious indifference: relativism, laicism, unrestrained consumerism, and other models.
- Therefore, secularism demands positive obligations, while laicism is limited by negative obligations.
- 2
- Example sentences
- No one is arguing that abusers be placed back in ministries with children, but is expulsion and laicization always and in every instance the right response, especially for onetime offenders?
- In some cases the bishop puts pressure on them to apply for laicization, even though they protest their innocence and ardently desire to live out their vocation as priests.
- In Los Angeles, where 12 priests have been suspended, Cardinal Roger Mahony said that any priest or deacon found to have sexually abused a minor would 'never return to active ministry' and should seek laicisation.
Pronunciation: /-ˈzeɪʃ(ə)n/noun
Definition of laicize in:
- US English dictionary
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Word of the day ingratiate
Pronunciation: ɪnˈɡreɪʃɪeɪt
bring oneself into favour with someone through flattery…


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Appliancist is an online magazine about the latest Home Appliances & Home Appliance Trends. Covering High-End Luxury Kitchen & Bathroom Appliances.
Rosewood - Woods Collection
For a completely streamlined and minimalist look, steal the identity of your wooden kitchen cabinetry and create a picture-perfect aesthetic with a like-for-like glass splashback, digitally matched to whatever finish of kitchen you want. Creating a true design match, flawless finish and ultimate contrast in texture, ICON GLASS is the new building material of the future.
Posted November 17, 2012 3:52 PM
Connor in Rhodolite, Amethyst and Obsidian
New Ravenna Mosaics announces a new collection of Plaid and Gingham mosaics designed by Sara Baldwin. Available in jewel glass and natural stone, the collection comprises 5 classic designs - Rory, Hamish, Bonnie, Conner, and McIntyre. The mosaics are all hand cut and assembled on the Eastern Shore of Virginia where New Ravenna Mosaics employs over 100 artisans to create their handcrafted tile designs. Baldwin grew up on a nearby farm and loved gingham and plaid fabric as a child. Her mother taught her to sew and it was these designs reminiscent of her Scottish McCaleb family ancestors that the aspiring designer used for her experiments in fashion and now employs in beautiful jewel glass and stone mosaic tiles.
Posted October 30, 2012 10:34 PM
clé introduces metallic tiles in porcelain, ceramic and limestone that have been painted, glazed, and printed with the glimmer of silver, gold, iron, platinum, and copper. Each artist has interpreted the glory of metal in their own way from the manipulation of intense heat to delicate brush strokes. In Italy, Adriano Ricchetti at Il Monile has devised a way to turn gold voluptuous, using his technical virtuosity to fuse ceramic with glaze until the two become one. Along with gold, the Byzantina rectangle series includes iron, platinum, and silver.
Posted August 14, 2012 11:24 PM
New Ravenna Mosaics, famous for its amazing mosaic backsplash designs, is proud to introduce their collaboration with product designer Erin Adams. Adams has been creating mosaics in a twenty year career that has also encompassed housewares and interior design. Known for her vivid palettes and experiments with stained glass, Adams celebrates folk art traditions to mid-century graphics while paying homage to the artists that have inspired her. In addition to the core selection of jewel glass colors offered by New Ravenna Mosaics, Adams has incorporated additional opaque hues and named them after the design icons she admires. Aalto, Girard, Knoll, Ponti, Zeisel and Eames all have a place in her personal color vocabulary. They certainly should find the way in your glass mosaic splashback.
Posted June 20, 2012 1:02 PM
Fiona jewel glass mosaic splashback
The fresh, vibrant colors of spring are celebrated in new mosaics from Sara Baldwin, founder and creative director of New Ravenna Mosaics. Made entirely by hand in Virginia, the glass mosaic splashback designs are inspired by the inlay technique which originated in the 17th century India. Baldwin interprets her fascination with the cultures of South Asia, replacing traditional bone and mother of pearl with brilliant jewel glass and natural stone. Fiona, Jacqueline Vine and Climbing Vine are delicate organic Glass mosaic splashbacks that represent growth and renewal.
Posted April 4, 2012 1:07 PM


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Jun 6, 2014 at 10:35 am
BUFFALO, Minn. (KNSI) A girl hit by a school bus in Wright County Thursday has been identified.
Sheriff Joe Hagerty says eight year-old Keira Devens was hit by the bus near the intersection of Padgett Avenue and 82nd Circle Northeast in Otsego.
She was treated and the scene and then was flown via air ambulance to a hospital in the Twin Cities. Her medical condition is being withheld at the request of her family, but Hagerty says the girl was concious at the time of transport.
The Wight County Sheriff's Office and State Patrol are investigating the crash.
News Director
Temp: 7°F (-14°C)
Dewpoint: -4
Wind: 12 SE
Weather: Mainly Cloudy
Mon December 1, 2014
Fri December 5, 2014
Sat December 27, 2014
Sat December 27, 2014
Wed December 31, 2014


text:
I also wonder if I am eligible for Unemployability on VA award
If you are receiving Social Security old-age benefits at your full principal insurance amount (PIA) then there are no additional benefits for your disability. If you are receiving "early retirement" benefits in which your PIA has been discounted, then qualifying for disability would restore your benefit to your full PIA.
I have changed your practice area away from "employment" to "Social Security ," and will try to add a VA tag.
Best wishes for an outcome you can accept, and please remember to designate a best answer.
If you are already rated at 100% by VA, you are nor eligible for a VA award of Individual Unemployability; you are already receiving the maximum benefit VA can provide.
Get free answers from experienced attorneys.
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Take your ship and start to fight!
Project One is a vertically scrolling boss-only shoot'em up with colorful and distinct graphics.
We're sorry, but no mods were found matching the criteria specified. We suggest you try the mods list with no filter applied, to browse all available mods.
Only members can submit new mods, so sign up and register one we are missing so people can share mods / addons / files / news related to it.


text:
1885 – Church of Our Lady, Wellingborough, Northamptonshire
Architect: S.J. Nicholl
Architect: S.J. Nicholl
Architect: Herbert J. Green Perspective biew after restoration by Herbert J. Green and published in The Building News, December 11th 1885.
Architect: Hippolyte J. Blanc
Architect: James Brooks
Architect: Greenaway & Newberry
Architect: Pugin & Pugin
Architect: Arthur W. Blomfield
Architect: Frank Freeman
Architect: T.E.C Streatfeild Published in The Building News, March 16th 1877.


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- Take an Extra 30% Off Any Book: Use promo code HOLIDAY30 at checkout to get an extra 30% off any book for a limited time. Excludes Kindle eBooks and Audible Audiobooks. Restrictions apply. Learn more.
Product Details
Would you like to update product info or give feedback on images?.
Really cute book! Bought it for my 2 year old son once we found out we were expecting our 2nd and we have continued to read it once his baby brother arrived. Read morePublished 2 months ago by H. Henry
You can rewrite the dialog because preschoolers can't read. I do this all the time. If the illustrations are super, just make up your own story but write it in so you can remember... Read morePublished 3 months ago by susan lord
To begin preparing my 2 & 3 year old boys for a new baby this fall, I purchased "There's Going to Be a Baby." This book became an immediate favorite to both of them. Read morePublished 5 months ago by Marisa
This book spans across all seasons during mommy's pregnancy. It also depicts questions from the young older brother. The story is sweet and nicely done.Published 10 months ago by J .J. A. Buda CMT
I purchased this for my granddaughter who is going to be a big sister in a few months. It was not what I had hoped and was of limited appeal.Published 14 months ago by Susan W
A lovely book for kiddos whose family is about to expand. The store is sweet and simple: a mother tells her son that they are going to have a baby. Read morePublished 15 months ago by sassymom
I loved this book. It shows sensitivity, wit, humour and the illustrations are magnificent. This is the first ever collaboration between two greats from the world of children's... Read morePublished 16 months ago by Storywraps
My cousin is expecting her second child now and I thought this would be a great gift for both her and her son. Read morePublished 17 months ago by Brittney Tibbetts


text:
To schedule, reschedule or cancel an exam:
Minnesota Board of Cosmetologist Examiners
Register for your next exam, find test information, or download handbooks/applications/forms from this page.
The Minnesota Board of Cosmetologist Examiners contract with Pearson VUE will be ending at close of business on November 30, 2014.
Pearson VUE will continue examination registration and administration through November 30, 2014. If you plan to test prior to November 30th, we encourage you to schedule as early as possible, prior to November 30th.
Examinations scheduled after November 30th (with Pearson VUE) will need to be cancelled. Any fees paid to Pearson VUE (for examination scheduled after 11/30) will be refunded.
Additional updates will be posted as they become available.
NOTE: Many of the exams for this program consist of two portions: a General portion and a State portion. Both portions are scored separately. You must pass both portions to successfully pass your exam. If you pass only one portion and not the other, you will need to retake the exam, but you will only be billed for the portion you did not pass. Additional details can be found in the Candidate Handbook.
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Please VERIFY that you have registered your LEGAL name as it appears on your government-issued ID and that your personal information is CORRECT. Contact Pearson VUE immediately to correct the spelling of your name or update your personal information if you notice any errors. It is very important that this information is correct, as it will appear as it was entered on the documentation provided to you after you have completed the exam, as well as on any reports to your licensing agency.
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|Candidate Handbook - English
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|Minnesota Cosmetology Instructors Candidate Handbook


text:
Wall Street's industry-funded watchdog is optimistic that its plan to let securities arbitrators immediately report frauds they learn about in the middle of a case will finally take effect.
"I feel comfortable that the rule is likely to go forward," Linda Fienberg, the Financial Industry Regulatory Authority's arbitration head, told reporters in New York on Wednesday. The watchdog runs its own arbitration system, which is used by brokerages and investors to resolve legal disputes.
The U.S. Securities and Exchange Commission is now taking a close look at the rule Finra wants to impose, the most recent development in a four-year process. The rule, if approved, would let arbitrators stop in the middle of a case to tell Finra's staff about possible frauds they learn of that could hurt the investing public.
Finra's staff would then decide whether its enforcement unit or the SEC should investigate the problem. Arbitrators must now wait until a case ends to air concerns.
The proposal dates to 2010, sparked by multibillion-dollar Ponzi schemes orchestrated by Bernard Madoff and R. Allen Stanford.
But it is not without controversy.
Lawyers for brokerages and investors worry how Finra would handle arbitrators who report suspicious behavior. Arbitrators who continue in a case after referring concerns to Finra, the lawyers say, may show bias against certain parties because they already may have come to conclusions before hearing all the evidence. That could make it easier for one party to later challenge a ruling.
Getting a replacement arbitrator up to speed also might prolong a case and increase legal costs.
Making arbitrators wait until the end of a case could allow massive frauds to operate for months to more than a year without intervention, Fienberg said on Wednesday. They should be able to speak up immediately, Fienberg said. The new authority, if approved, would apply only in situations where many investors are at risk.
Finra has tweaked the plan in response to the concerns. It resubmitted a revised version to the SEC in February.
Fienberg says he believes that arbitrators would rarely use their mid-case referral authority, given that frauds such as the one perpetrated by Madoff and Stanford Ponzi are rare.
But those situations would be more devastating if they become evident and arbitrators must remain quiet for months, Fienberg said. "That's not a happy prospect for regulators to have that information in its files," Fienberg said.
The SEC must review all changes to Finra rules, but its procedure for this proposal is more involved than usual, according to George Friedman, an arbitration consultant and former director of Finra's arbitration unit.
Agency staff will typically approve a new rule after collecting written views from the public and asking Finra to respond, according to Friedman. But this time, the agency itself has concerns about the proposal that it wants to address, Friedman said. Among them: that the plan protects investors, the SEC wrote in a notice on May 20.
The SEC can ultimately reject the plan. Its comment period for the proposed rule ends on June 26.
Finra Optimistic On Fraud Intervention Rule
June 13, 2014
Wall Street's industry-funded watchdog is optimistic that its plan to let securities arbitrators immediately report frauds they learn about in the middle of a case will finally take effect.
Financial Advisor Blogs
Portfolio Manager Insights
Expert Views
Inside the current issue
A Firm In Syncby Jerilyn Klein Bier
Debra Wetherby has partnered with employees to build a mega-size firm that has retained clients for generations. + Read more
Whose Risk Is It Anyway?by Ross Levin
Models can be changed so clients can spend more earlier. + Read more
A Life Well Spentby Mitch Anthony
Stepping back and valuing life more than money is the best course. + Read more


text:
Both New Berlin Eisenhower and New Berlin West moved on to the second round of the WIAA plays with regional victories on Tuesday night.
Top-seeded Eisenhower (24-6) beat 8th-seeded West Allis Central, 12-2, at home while third-seeded West (23-6) beat Wauwatosa West, 4-2, at New Berlin West.
Ike was led by Dan York who singled and tripled and drove in three runs, while Kyle Hegeman singled, doubled, drove in a run and scored twice. Kurt Hegeman and Eric Hesselbach each drove in two runs.
Alex McRae pitched three innings, allowing a hit and fanning seven, while Keith Kaiser and Hesselbach finished up with an inning each.
Brad Duggan stopped Tosa West on six hits in a pitchers duel with Tyler Gross, who allowed five hits. Zach Scholz and Darrin Sowinski each had two hits and Sowinski scored twice and drove in a run.
Ike will face Pius, who nipped West Allis Hale, 3-2, at 11 am at New Berlin West and the host Vikings meet second-seeded Marquette at 2 p.m.
The title game will be at 5 p.m. with the winner going to Stevens Point for the state tournament next week.
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- Eisenhower boys basketball team lacks experience
- New Berlin United spikers have dream season
- New Berlin West's Foley faces rebuilding job
- New Berlin West honors several swimmers
- New Berlin West's Madison Tew snares 200 freestyle state championship
- New Berlin West's Hewitt earns first-team all-conference honors
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- Paige Carter, Bella Passamani lead way for Eisenhower in state swim


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The Scottsdale Police Department has lost one of its most familiar faces and fixtures.
Patricia Sue Schulz, a parking control checker in downtown Scottsdale known as "Parking Patty," died Friday, according to the Scottsdale Police Department. She was 75.
A native of El Paso, Texas, Schulz began her career with Scottsdale police in 1990 as a parking control checker and was well-known among downtown business owners and regular shoppers.
Schulz is survived by her children, Timothy Schulz, Priscilla Torres Steffen and Aleta Reynolds; and four grandchildren.
A memorial service for Schulz will be at 10 a.m.today at Messinger Mortuary, 7601 E. Indian School Road, Scottsdale.