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Physical therapy exams, treats, and instructs individuals in methods to correct, alleviate, and limit physical disability. Physical therapy, which is the care and services provided by or under the direction of a physical therapist, includes the following activities:
As of October 1996, the United States had 155 accredited physical therapy programs (48 at the bachelor's level, 102 at the master's level, 2 at the doctor of physical therapy level, and 195 accredited physical therapy assistant programs. The Commission on Accreditation in Physical Therapy Education of APTA determines the accreditation status of education programs for the physical therapist and physical therapist assistant. To meet the increasing need for qualified faculty, APTA recently initiated a program to support doctoral education for qualified physical therapists.
According to APTA, the United States has an estimated 97,000 licensed physical therapists. Of this number, 74 percent (71,780) practice


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Do all people have the same normal body temperature?
- Q: Do all people have the same normal body temperature?
- A: Typically, normal body temperature is defined as 98.6 degrees Fahrenheit. However, everyone has a different body temperature, and what is normal for one person may not be normal for another. Some people have even documented having a normal body temperature of 96.5 degrees Fahrenheit. In order to find out what an individual's normal body temperature is, a daily temperature log should be taken over a couple of weeks, or a month, and then averaged. If a group of people do this, and compare their results, you should notice some variation in everyone's temperature. For more specific information, consult with your doctor or pharmacist for guidance based on your health status or current medications, particularly before taking any action. Megan Uehara, PharmD
Related Questions
- Q: What causes low body temperature and what are the symptoms?
- Q: What is a normal pulse rate?
- Q: Can Bactrim DS and/or Macrobid 100mg an increase in body temperature and/or tingling in the legs and hands?
- Q: Can cold temperatures or foot drop worsen RLS?
- Q: Is there a diuretic that I can take that does not cause me to lose potassium?
If this answer isn't what you were looking for, then ask a question of your own:
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subset: commoncrawl


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Immunity Shields JetBlue, Ticketing Agent, Judge Says
An airline and its former employee are immune from the claims of a passenger who sued after her arrest for allegedly making a bomb threat, a judge ruled.
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21-day weight loss kickstart
You know by now how much I love PCRM and Dr. Neal Barnard. Well, he's written a new book.
The 21-Day Weight Loss Kickstart helps retrain your taste buds to like the foods that are the most nourishing for your body.
The book is easy to read and understand, especially for flirts and anyone with the primary goal of losing weight. It gives you the basics and could be great for newbies.
The 21-Day Weight Loss Kickstart is available on Amazon in paperback, hardcover and kindle editions.
My mother-in-law has done the 21-Day Kickstart program and seems to really like it. And of course, I also encourage you to read The Kind Diet for yummy recipes to make as you flirt with committing to a plant-based or superhero lifestyle.
Have you tried the 21-Day Weight Loss Kickstart? Have you read the book? What did you think? Share your experience in the comments below!
More kind resources:
ANNOUNCING! winners of a signed copy of the kind diet
"The Kind Diet" Paperback Edition is Here!
Kind Chocolate Cake
My Kind Gift Guide
Success Story: Jen & IBSOctober 29th, 2014
Kind Organics: Clean Tablet TechnologyOctober 27th, 2014
Have A Green HalloweenOctober 17th, 2014
An Interview With World-Renowned Yogini Sharon GannonSeptember 17th, 2014
Kind Coats for Fall & WinterSeptember 12th, 2014


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The 11th annual Nevada City Film Festival is Thursday through Sunday August 18th through the 21st at the Nevada Theater, Miners Foundry and the Magic Theater in Nevada City. The big feature is 'We Are Wizards' that takes a look at the Harry Potter phenomenon and its cultural effects as well as short films from 10 different countries, animated short films and a variety of comedians are on the schedule. Director of the festival Jessie Locks says there is something for everyone at this year's festival and it's easy to determine if a showing is appropriate for younger viewers that may want to attend the events.
"There are a lot of programs that are PG/ PG-13 and then there is some stuff that is a little heavy for kids and we do have disclaimers on all of this programming."
The festival is a nonprofit organization and is raising funds for a young artists program called Magic lantern.
"It is a program that we're kind of developing. It will be a yearlong film society where we can actually develop some programs that work with young people in producing their own films."
You can buy a VIP Pass for all the programs or you pay for individual shows. For a list of shows and times go to Nevada city film festival.com


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Consult the medical resource doctors trust
UpToDate is one of the most respected medical information resources in the world, used by more than 600,000 doctors and thousands of patients to find answers to medical questions.
Related articles
|AuthorsPeter A L Bonis, MDSanjiv Chopra, MD, MACP
|Section EditorAdrian M Di Bisceglie, MD
|Deputy EditorsAllyson Bloom, MDConstanza Villalba, PhD
Contents of this article
Hepatitis is the medical term for inflammation of the liver. It can be caused by a number of factors, including alcohol abuse, large doses of certain medications, poisons, and viruses, among them the hepatitis C virus.
Most people infected with the hepatitis C virus have no or only mild symptoms, so they do not always know they are infected.
In some people, over time, chronic infection with the hepatitis C virus can damage the liver and lead to cirrhosis. Drinking alcohol and being overweight add to the risk of developing cirrhosis. (See "Patient information: Cirrhosis (Beyond the Basics)".)
Many people with hepatitis C infection do now know how they were infected. The hepatitis C virus is spread by contact with blood. The most common ways people have gotten infected are:
●Sharing needles, syringes, or other paraphernalia used for injection drug use
●Receiving a blood transfusion before 1990, when blood was not routinely tested for hepatitis C or other infections
●Having sex with an infected person
It is also possible to get the hepatitis C virus by:
●Getting body piercings or tattoos done with improperly sanitized equipment
●Sharing cocaine straws
●Sharing toothbrushes, razors, or other things that could have blood on them
●Getting stuck with a sharp object that has contaminated blood on it (as might happen in a healthcare setting)
Pregnant women can rarely spread the virus to their fetus.
There is no evidence that any of the following activities lead to transmission of hepatitis C:
●Kissing or hugging
●Sneezing or coughing
●Casual contact or other contact that does not involve blood
●Sharing food, water, eating utensils, or drinking glasses
Acute versus chronic hepatitis c infection — When people are first infected with the hepatitis C virus, they develop what is called an acute infection. Some people are able to fight off the infection at this stage and become cured. But most people – 60 to 80 percent of those infected—go on to develop a chronic infection. That means the virus remains active in their body, even if they do not know they have it.
Prevalence — Hepatitis C is fairly common, affecting almost 3 percent of the population worldwide, and about 1 percent of the population in the United States. In recent decades, the rates of hepatitis C infection have been declining, probably owing to cleaner injection practices among intravenous drug users. Nevertheless, hepatitis C remains a concern, especially among people born between 1945 and 1964, many of whom are unknowingly infected.
Most people with hepatitis C have no symptoms or only mild nonspecific symptoms that are difficult to attribute to the infection. Among those who do have symptoms, the most frequent complaint is fatigue. Other less common symptoms include nausea, decreased appetite, muscle or joint pain, weakness, and weight loss.
Healthcare providers diagnose hepatitis C using two types of test. One type of test checks the blood for antibodies—proteins made by the immune system in response to the virus. The other type of test checks for a substance called RNA made by the virus itself. Most people who have a negative antibody test do not have hepatitis C infection and do not need additional testing. However, healthcare providers may also order an RNA test if they suspect acute infection or if the person being tested has a potentially compromised immune system (such as those with HIV infection). People who have an active chronic infection will have both a positive antibody test and a positive RNA test. People who have a positive antibody test and a negative RNA test either had a false positive antibody test or had the infection at one time but were able to fight it off.
Home testing — The United States Food and Drug Administration has approved a hepatitis C antibody test kit that you can buy without a prescription and use at home. To take the test, you collect your own sample of blood and send it to a lab, which will return the results in 4 to 10 business days. Data presented to the FDA suggest that the at-home test is about as accurate as the test that hospitals use.
Who should be tested? — Healthcare providers generally test for hepatitis C in people with specific risk factors for infection (such as a history of injection drug use) or when a person shows signs of liver disease—usually in the form of abnormal blood tests. Experts also recommend routine testing for people born between 1945 and 1965, because the risk of infection is high in this group.
Determining the virus genotype — Once a diagnosis of hepatitis C is made, it's important to identify the variant of the virus a person has. There are several forms of the virus—called genotypes—each of which must be treated differently. In the United States, genotype 1 is the most common, but genotypes 2 and 3, and less commonly 4, also occur.
Assessing the degree of liver damage — Another important aspect of hepatitis C diagnosis is to determine the condition of the liver at the time of diagnosis. Healthcare providers can asses the degree of liver damage using a number of blood tests, an imaging test called ultrasound-based transient elastography (which is not available everywhere), or, in some cases, a liver biopsy. (See "Patient information: Liver biopsy (Beyond the Basics)".)
Checking for other infections — People who have hepatitis C are at risk for infection with HIV and hepatitis B, in part because these infections can be transmitted in the same way as hepatitis C. They are also more vulnerable to any infection that targets the liver. As a result, after diagnosing hepatitis C, healthcare providers often do followup tests for HIV, and hepatitis A and B. People whose tests show they are not immune to hepatitis A and B should get vaccinated against these infections.
There are a number of medications to treat hepatitis C and more are expected to be approved soon. In most people, these medications have a good chance of curing the infection. However, for some genotypes, future treatments are expected to be more effective and better tolerated than what is currently available. Thus, waiting for these future treatments might be an appropriate decision for some people.
Decision to treat — People diagnosed with hepatitis C must decide—in conjunction with their healthcare providers—whether and when to treat their infection. Since new, potentially better hepatitis C medications are expected to be approved soon, some people may elect to put off treatment until other treatment options become available.
Factors that go into deciding whether treatment is appropriate include the condition of the person's liver, the person's overall health, and the genotype the person has. Other factors to consider include whether the person has other illnesses, such as kidney disease and whether the person already had a liver transplant.
Treatment regimens — People who do undergo treatment must use two or more medications for several months. The specific combination of agents and the duration of treatment are determined based on the genotype involved, the person's individual characteristics, and the person's response to treatment (as measured by levels of virus in the blood). The table lists the currently available hepatitis C medications, the genotypes for which they are used, and some of the most common or serious side effects (table 1).
Most hepatitis C medications can interact with other medications. Before you go on any medications for hepatitis C, make sure to tell your healthcare provider about all the medications you take, including herbal and non-prescription medications.
Side effects caused by hepatitis c medications — People being treated for hepatitis C sometimes develop medication side effects, some of which can be serious. If you are being treated for hepatitis C, you should call your healthcare provider any time you develop a side effect that bothers you. Some of the medications used to treat hepatitis can make you tired, depressed, or feel like you have the flu; some can cause a problem called anemia, which is when you do not have enough red blood cells to carry oxygen around your body; and some can cause a serious skin rash.
If you get any side effects that bother you, tell your healthcare provider. If you get a rash, call your healthcare provider right away. He or she will want to see your skin so he or she can decide how bad the rash is. Your healthcare provider will also want to know right away if you start feeling light-headed or extremely weak or breathless, as these can be signs of severe anemia.
In very rare cases, people need to stop taking their medications because of side effects. But DO NOT STOP TAKING YOUR MEDICATIONS because of side effects until you speak with your healthcare provider. Only he or she can tell if you need to stop the medications. Besides, your healthcare provider might have a way to deal with the side effects so that you can keep taking the medications. For example, if you are itchy, your healthcare provider might give you a medication to relieve itch. If you have anemia, your healthcare provider might lower the dose you take of the medication causing the problem. There are often ways to deal with side effects so that you are comfortable enough to keep taking your medications.
Even if your healthcare provider can't make your side effects go away completely, remember that you only need to take these medications for a while. If you put up with some side effects, there is a good chance you will be cured.
Will I be cured? — If you take your medications exactly as directed, the chances of being cured are good. With the newest treatments, people who have not been treated for hepatitis C before are cured 80 to 90 percent of the time. People who have failed treatment before or who have cirrhosis have a slightly lower chance of cure. But cure rates are improving with newer treatments.
Three to six months after discontinuing treatment for hepatitis C, your healthcare provider will give you a blood test to see if you are cured. If there is no trace of the virus in the blood, this is referred to as a Sustained Virological Response and is considered a cure. If you are not cured after your first course of treatment, he or she might suggest trying treatment again or waiting for new medications to come out.
Importance of taking hepatitis c medications as directed — If you are being treated for hepatitis C and you take the medications the wrong way, they probably will not work as well as they should. You can also end up doing yourself more harm than good. With some of the medications, if people skip doses or do not take all their medications, the hepatitis C virus can quickly become "resistant". That means that the virus learns to outsmart the medications, and so the medications will not work.
To help you remember to take all of your medications at the right time, use special reminders called "memory aids." For instance, use a "talking pill box" or a wrist watch or smart phone app that can be set to tell you whenever it's time to take your pills.
Over time, the liver inflammation caused by hepatitis C can cause serious damage to the liver. In some people, this develops into cirrhosis, which is when the liver becomes severely scarred and cannot function normally. Cirrhosis is discussed in more detail elsewhere. (See "Patient information: Cirrhosis (Beyond the Basics)".)
Successful treatment of hepatitis C prior to the development of cirrhosis prevents this complication. Even people who have already developed cirrhosis from hepatitis C have a reduced risk of liver-related complications and death after being cured of hepatitis C.
There are aspects of treating hepatitis C not directly related to tackling the infection. People with the disease need certain vaccines, and they need to avoid alcohol, recreational drugs, and certain medications.
Vaccines to protect the liver — Vaccines against hepatitis A and B (in those who are not already immune) can help prevent further damage to the liver. It's also important to get other vaccines, including vaccines to protect against the flu (once a year), pneumonia (at least once), diphtheria and tetanus (once every 10 years) and pertussis (once during adulthood).
Avoid alcohol and other drugs that could harm the liver — People with hepatitis C should avoid all substances that are known to damage the liver. This includes:
●Some supplements and herbal remedies, such as kava kava
●Some prescribed medications
People who also have cirrhosis have additional medications they should avoid. (See "Patient information: Cirrhosis (Beyond the Basics)", section on 'Avoid alcohol and other drugs that could harm the liver'.)
To find out if anything you take could harm your liver, put all the bottles of all the medications you take into a bag and take them with you to the doctor who manages your liver disease. Include all over-the-counter medications, supplements, and herbal drugs, as well as any prescriptions you take. Never start any new medications or supplements without first checking with your doctor.
Screening tests — If you have hepatitis C and cirrhosis, you should have an ultrasound done every six months to check for signs of cancer. You might also need a procedure called an upper endoscopy to check for esophageal varices (enlarged veins in the esophagus). (See "Patient information: Esophageal varices (Beyond the Basics)".)
Support — Sharing your concerns with others who have the same diagnosis can help you learn to live with hepatitis C. The American Liver Foundation has helpful advice and a list of support groups (www.liverfoundation.org).
New treatments for hepatitis C are actively being developed and studied in people enrolled in clinical trials. A clinical trial is a carefully controlled way to study how well new treatments or new combinations of known therapies work. If you are not a good candidate for currently available therapies, check with your healthcare provider to see if there is an open clinical trial of a hepatitis C treatment regimen that you would qualify for.
Ask for more information about clinical trials or read about clinical trials at http://clinicaltrials.gov/.
Your healthcare provider is the best source of information for questions and concerns related to your medical problem.
This article will be updated as needed on our web site (www.uptodate.com/patients). Related topics for patients, as well as selected articles written for healthcare professionals, are also available. Some of the most relevant are listed below.
Patient level information — UpToDate offers two types of patient education materials.
The Basics — The Basics patient education pieces answer the four or five key questions a patient might have about a given condition. These articles are best for patients who want a general overview and who prefer short, easy-to-read materials.
Patient information: Hepatitis C (The Basics)
Patient information: Vaccines when you have hepatitis C (The Basics)
Patient information: Cirrhosis (The Basics)
Patient information: Blood or body fluid exposure (The Basics)
Patient information: Treatment for hepatitis C (The Basics)
Patient information: Liver transplant (The Basics)
Beyond the Basics — Beyond the Basics patient education pieces are longer, more sophisticated, and more detailed. These articles are best for patients who want in-depth information and are comfortable with some medical jargon.
Patient information: Hepatitis A (Beyond the Basics)
Patient information: Hepatitis B (Beyond the Basics)
Patient information: Blood donation and transfusion (Beyond the Basics)
Patient information: Liver biopsy (Beyond the Basics)
Patient information: Cirrhosis (Beyond the Basics)
Patient information: Esophageal varices (Beyond the Basics)
Patient information: Pneumonia prevention in adults (Beyond the Basics)
Patient information: Influenza prevention (Beyond the Basics)
Patient information: Adult vaccines (Beyond the Basics)
Professional level information — Professional level articles are designed to keep doctors and other health professionals up-to-date on the latest medical findings. These articles are thorough, long, and complex, and they contain multiple references to the research on which they are based. Professional level articles are best for people who are comfortable with a lot of medical terminology and who want to read the same materials their doctors are reading.
Characteristics of the hepatitis C virus
Clinical manifestations and natural history of chronic hepatitis C virus infection
Clinical manifestations, diagnosis, and treatment of acute hepatitis C in adults
Diagnosis of hepatitis C virus infection in patients on dialysis
Epidemiology and etiologic associations of hepatocellular carcinoma
Epidemiology and transmission of hepatitis C virus infection
Epidemiology, natural history, and diagnosis of hepatitis C in the HIV-infected patient
Extrahepatic manifestations of hepatitis C virus infection
Hepatitis C and alcohol
Hepatitis C and transfusion: A 'lookback' primer
Hepatitis C virus infection and renal transplantation
Hepatitis C virus infection in patients on maintenance dialysis
Investigational therapies for hepatitis C virus infection
Liver transplantation for hepatitis C virus infection
Management of the side effects of peginterferon and ribavirin used for treatment of chronic hepatitis C virus infection
Vertical transmission of hepatitis C virus
Pregnancy in women with pre-existing chronic liver disease
Screening for chronic hepatitis C virus infection
Overview of the management of chronic hepatitis C virus infection
Treatment of hepatitis C virus infection in the HIV-infected patient
Immunizations for patients with chronic liver disease
Treatment regimens for chronic hepatitis C virus genotypes 2 and 3
Predictors of a sustained virologic response following treatment with peginterferon and ribavirin for chronic hepatitis C virus infection
Diagnosis and evaluation of chronic hepatitis C virus infection
The following organizations also provide reliable health information:
●National Library of Medicine
●National Institute of Diabetes and Digestive and Kidney Diseases
All topics are updated as new information becomes available. Our peer review process typically takes one to six weeks depending on the issue.
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Phakic Intraocular Lenses (cont.)
In this Article
FDA-Approved Phakic Lenses
To find detailed information about specific medical devices, including diagnostic tests, FDA developed a new resource, the
Devices@FDA. Use this web site to:
To see a list of FDA-approved phakic intraocular lenses, use the Devices@FDA search. Please note that new listings are not added until approximately five working days after the last day of the month in which the device was approved. In some cases, it can take as long as five weeks to appear.
Medically reviewed by William Baer, MD; Board Certified Ophthalmology
Medically Reviewed by a Doctor on 3/3/2014
Patient Comments
Viewers share their comments
Phakic Lenses - Patient Experience Question: Did you experience any complications with Phakic lenses? If so, what were they?


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The World's Largest Purveyor of luxury candles. Celebrating 11 Years in Business!
D.L. & Co.'s Absinthe Candle is a sweet yet powerfully herbal scented candle created from Star Anise, coriander and of course, grand wormwood (Artemisia Absinthium), the ingredient which won its menacing, seductive reputation. D.L. & Co. Absinthe Candle is a frosted green vessel scallop vessel in a black silk hat box wrapped with a gold stamped black silk ribbon.
Unusual and often mysterious botanic specimens are the source of inspiration for this beautiful collection. D.L. & Co. Candles are a patented blend of soy, maple and palm waxes that diffuse in a signature scallop glass bowl and packaged in a signature silk hat box with satin ribbon.
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In light of the holiday season, we thought it might be appropriate to reintroduce you to the cranberry. This little fruit which graces the tables of Americans during Thanksgiving and finds itself strung around Christmas trees with popcorn as garland has been consumed for generations. Using Cranberry for kidney health has a long and storied history in the United States. Some of the first uses of cranberry for kidney health traces back to the Native Americans, as tribes used extracts from cranberries to treat various medical conditions, including kidney infections.
There is some evidence that cranberry juice for infections can be beneficial when it concerns urinary tract infections, especially in women. Studies have shown cranberry juice or specifically, the chemicals in cranberries, may play a role in inhibiting bacteria from sticking to cells along the urinary tract, thus preventing urinary tract infections (UTI). There is, however, no evidence that supports cranberries is effective against treating UTI. The evidence points only to the promotion of urinary health at this point.
Although cranberries for kidney health may be true in the case of the urinary tract, the same may not be the case for the support of other kidney related health issues. The excessive use of cranberry juice in an effort to treat kidney stones as an at-home remedy may make the problem worse. Cranberry and cranberry extracts contain a chemical compound known as Oxalate. There is existing scientific evidence that points to cranberry consumption increasing the amount of oxalate in the urine by as much as 43% due to its high concentration of Vitamin C. The composition of kidney stones consists primarily of oxalate and calcium that may lead to developing kidney stones. If kidney stones are a part of a your family medical history, you may want to consult your health care provider who may suggest reducing the amount of cranberry juice or extract in your diet.
Important to urinary health is the consumption of adequate water as well. Be sure to not rely on juice or other beverages alone to hydrate yourself. Clean water daily is imperative to maintaining good kidney and urinary tract health. Cranberry supplements in the way of liquid extracts or capsules can help promote urinary health, but be sure to take the right dose.


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Clifford Smart Middle School evacuated for threat, classes dismissed
Updated On: Apr 19 2013 06:13:41 PM EDT
Clifford Smart Middle School in Commerce Township was evacuated Friday for a threat and classes have been dismissed for the day.
In a letter to parents, principal Brian Kaplan said a hand-written threat was found on a bathroom wall.
"We do not believe this threat was credible; however, we are treating it very seriously," Kaplan wrote.
All after-school activities were also canceled.
Buses were taking students home.
The school is on Commerce Road near Union Lake Road.
Full letter from school:
Dear C. H. Smart Parents/Guardians,
This afternoon a hand-written threat on a restroom wall was discovered.
We do not believe this threat was credible; however, we are treating it very seriously. We evacuated to Edgewood Country Club and buses are arriving to take students home, The Oakland County Sheriff Department has been dispatched to assess the school.
Please have a conversation with your student about the dangers of such threats and significant disruption and expenditure of valuable resources. In light of recent events, it is important for students to feel empowered to affect positive change so please encourage your student to share any relevant information in regard to this matter.
We are doing everything possible to ensure the safety of our students. The Oakland County Sheriff's department is working with us to execute our safety plan. We are hopeful we will identify the person or persons involved in writing this.
Please know that your children are safe and we will keep you apprised of any developments.
Brian Kaplan
Principal, C. H. Smart Middle School
The views expressed below are not those of Click On Detroit, WDIV, or its affiliated companies. By clicking on "Post," you acknowledge that you have read the Terms of Service and your comment is in compliance with such terms. Readers, please help keep this discussion respectful and on topic by flagging comments that are offensive or inappropriate (hover over the commenter's name and you'll see the flag option appear on right side of that line). And remember, respect goes both ways: Tolerance of others' opinions is important in a free discourse. If you're easily offended by strong opinions, you might skip reading comments entirely.


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I'm trying to add mass and weight onto my frame but i have a very fast metabolism. I've heard different things from different people about whey protein shakes and weight gainers. Some say weight gainers aren't healthy and recommend taking protein shakes as an alternative. I had planned on taking protein shakes immedietly after working out and reserving weight gainers for non work out days. What would you recommend?
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Piano Festival | Competition | Applications | Programme | Concerts | Artists | Sponsors
Festival Applications
In order to apply 8th International Pera Piano Festival events you may download the relevant event's specification and application form to your PC's, read them carefully, fill them in complete and deliver them to Pera Fine Arts High School with the relevant documents by hand or by mail.
Festival Application Address
Pera Güzel Sanatlar Lisesi
Sıraselviler Cad. Billurcu Sok. Billurcu Çıkmazı No:10 Taksim 34433 - İstanbul
Phone: (0212) 245 30 08 pbx Fax : (0212) 252 30 82
E-Mail : firstname.lastname@example.com | firstname.lastname@example.com


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Consolidate credit bills into one easy monthly paymentPay off your debt faster Lower your interest rates regardless of credit score Stop collection calls Eliminate late fees and over-limit charges
Consolidate credit bills into one easy monthly payment
Pay off your debt faster
Lower your interest rates regardless of credit score
Stop collection calls
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Tackle your debts, drill sergeant style with help from InCharge's Sergeant Debt
Watch as he takes on your budget, teaches debt destruction, teaches savings tips and much more
Order The Military Money Transition Guide Today at No Cost.
CLICK HERE to download the eBook at the iTunes Store
I am considering taking out a home equity loan to cover this cost, borrowing around $10,000. I got a great deal on my house and it continues to grow in value even with this economy. Your thoughts on this?
On Aug. 28, 1963, Dr. Martin Luther King Jr. led a March on Washington that focused in part on economic equality.
This week, I came to understand the many employees who've experienced dread when their companies are sold. The Washington Post is being taken over by Amazon.com founder and chief executive Jeff Bezos.
We know that many students have to borrow in order to attend college. On top of that, the interest rates on many new federal student loans doubled on July 1 from 3.4 percent to 6.8 percent.
One of my workshops, "Choose to Change," encourages participants to figure out why they make bad financial choices.
I get a chill whenever I listen to James Brown soulfully sing "It's a Man's Man's Man's World."
I especially like to shout "you got that right" when he says, "but it wouldn't be nothing, nothing without a woman or a girl."
With my 17-year-old daughter headed to college, I tried out the new college scorecard tool launched by the Obama administration following the president's State of the Union address.


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« Video: Future f/ Kelly Rowland – 'Neva End (Remix)'
New Music: Solange – 'Lovers in the Parking Lot' »
Video: Lil Wayne f/ Detail – 'No Worries'
Tunechi trips out in Sin City in the Colin Tilley-directed video for "No Worries," which was inspired by the 1998 movie Fear and Loathing in Las Vegas. The Young Money chief rocks a bucket hat, shorts, and shades like the film's star Raoul Duke, while his co-star Detail plays Duke's attorney, Dr. Gonzo.
High on acid, the two make their way through a Las Vegas casino, navigating the swirling carpet under their feet and hitting up a strip club for some more fun.
"We didn't really follow any script. I just really enjoyed the movie. I told [the director] I was interested in the movie and he wrote a spoof to it," said Weezy, who previously shot the video for "Lollipop" in Vegas.
"No Worries" is the latest single off Lil Wayne's upcoming album I Am Not a Human Being II, due February 19, 2013.
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Up-and-coming brand PRAISE NY releases the lookbook for their Fall/Winter 2013 collection which pairs familiar prints from high fashion's finest against mesh tops and bottoms. The lookbook features "King of the Youth" Ian Connor who most recently appeared in Faci Tampa's lookbook sporting a different side of the current streetwear landscape. All of this season's pieces are available now straight from the source.
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Short-Term Stay Rental Retirement Community
PressThe BUZZ around town about the Timbers of Shorewood.
Joliet Herald News - Nov. 22, 2013
Aid and Attendance for veterans pays for extra care
Ann O'Connor of the Timbers of Shorewood could afford to pay for extra care for her husband John O'Connor thanks to an Aid and Attendance for wartime veterans benefit.
Joliet Herald News - July 5, 2013
This 'prom' bridges the generation gap
Being crowned queen at the Timbers' "senior prom" was thrilling for Marie Smeets. But it was second to the excitement of whirling about the ballroom dance floor with a "super" boy.
Morris Daily Herald - June 20, 2013
The Heart of our Community
When it comes to serving the Shorewood community, Faith Ann Varga is there. With a motto of "24/7 care," Faith is busy non-stop.
Joliet Herald News - Feb. 13 2013
The fine art of relaxation
Thompson first became interested in tai chi 25 years ago. He adapted his program into a senior-friendly one and began offering classes.
Joliet Herald News - Feb. 28, 2013
In touch with technology
"This is one of the best things that's happened to me in my lifetime," the 98-year-old Shorewood man says while enjoying the iPad his daughter bought for him.
Southtown Star - Sept. 13, 2012
Del Bergeson Orchestra swings big band action
The Del Bergeson Orchestra is continuing Jay Mau's legacy of traditional Big Band melodies at the Timbers of Shorewood.
Joliet Herald News - Feb. 14, 2011
A message of hope and love on Valentine's Day
Second-graders from Trinity Christian School visited residents Friday morning at The Timbers in Shorewood, a retirement community near Joliet.
Joliet Herald News - February 6, 2011
A volunteer who's known to be 'there'
Volunteering at the Timbers of Shorewood brings back fond memories of the years she worked with seniors.
Joliet Herald News - March 18, 2010
Easter bunny coming to Shorewood
I've been writing about the Timbers kid-friendly events since my column began, and the senior independent and assisted living retirement community never ceases to amaze me.
Joliet Herald News - June 21, 2009
Wedding a first at retirement community
Margaret Wisniewski and Ed Brown announced they would be married at the Timbers of Shorewood retirement community.
News ReleasesBelow are some press releases about the great things happening at the Timbers of Shorewood:
October 29, 2014
Jada Procarione joins The Timbers of Shorewood as Business Manager
Lifetime resident of Shorewood, Jada Procarione, has been hired as the new business manager. She is responsible for overall financial management of the facility and oversees human resource operations.
Sept. 16, 2014
A toe-in-the-water approach to assisted living
A short-term stay may be the answer for a safe and nurturing place to enjoy while adult children are away. Another reason might be a protected place for recovery from an illness, but the most common reason is to sample life at The Timbers.
July 29, 2014
Mother follows in daughter's footsteps to volunteer
As a result of 85-year-old volunteer, Virginia Shemwell, the Timbers store now boasts more than 100 items. From toiletries to snacks, the on-site convenience store offers something for everyone.
May 20, 2014
Kim Jackson Named Activities Director
Kim Jackson of Plainfield has joined the Timbers of Shorewood retirement community as the new activities and events director. Formerly, she worked more than six years at Leeza's Place in Joliet, helping caregivers become educated and empowered through support groups, activities and events.


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Daily entries from the 17th century London diary
Mr Cresset. Francis Cressett) , Groom of the Privy Chamber extraordinary since Aug. 1660, became Groom-in-ordinary in Dec. 1667. A John Cresset(t) was Groom-in-ordinary from March 1669. (Companion)
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Best Evolving Gallery District Denver 2011 - RiNo
26th St. (between Blake and Larimer Streets)
Denver, CO 80205
River North, with its active enclave of studios and workshops, has always stood by its motto "Where Art Is Made." But increasingly, it's also where art is seen, as more and more galleries open their doors in the neighborhood. These days, the funky and the tony rub elbows happily in RiNo, as evidenced by the recent move to the area by the highly regarded Rule Gallery, hot on the heels of the more freewheeling Wazee Union's debut. They could, in fact, change that motto to "Where All Art Is Made," as the district has morphed over the past few years into a beehive of creative — and connected — endeavors. Charge on, RiNo!


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GSD Course Bulletin - Spring 2013
FACULTY DETAILS - Judith Grant Long
Last updated on 11 OCT 2013 16:42:28.
05421: Introduction to Local Economic Development (SES 0542100)
Judith Grant Long
Urban Planning and Design
Lecture - 4 credits
Tuesday Thursday 11:30 - 1:00 Gund 517
05422: Tourism Planning and Economic Development (SES 0542200)
Judith Grant Long
Urban Planning and Design
Lecture - 4 credits
Friday 9:00 - 12:00 42 Kirkland 1G
Federal law now requires Harvard to disclose certain information about the textbooks instructors have assigned for courses at the School of Design. The Harvard COOP has agreed to provide this information to students, who may access it via the Central Course Catalog website. Individual course pages on the Central Course Catalog site contain hyperlinks to updated textbook information on the Coop's website.


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FDA has launched a nationwide search for Director, Center for Drug Evaluation and Research (CDER). The open period for applications continues through Friday, February 1, 2008. The detailed job announcement and instructions for applying are available on the USAJOBS site. See Job Announcement Number FDA-AD-2008-01.
About FDA and CDER
The Food and Drug Administration is responsible for protecting the public health by assuring the safety, efficacy, and security of human and veterinary drugs, biological products, medical devices, a significant portion of our nation's food supply, cosmetics, and products that emit radiation. We are also responsible for advancing the public health by helping to speed innovations that make medicines and foods more effective, safer, and more affordable; and helping the public get the accurate, science-based information they need to use medicines and foods to improve their health.
The Center for Drug Evaluation and Research (CDER) performs an essential public health task by making sure that safe and effective drugs are available to improve the health of people in the United States.
As part of the U.S. Food and Drug Administration (FDA), CDER regulates over-the-counter and prescription drugs, including biological therapeutics and generic drugs. This work covers more than just medicines. For example, fluoride toothpaste, antiperspirants, dandruff shampoos and sunscreens are all considered "drugs."
The largest of FDA's five centers, CDER has about 2,200 employees. Approximately half of the staff is made up of physicians or other kinds of scientists, including chemists, biostatisticians, and epidemiologists.
For more information about the Center for Drug Evaluation and Research, please see the CDER Overview.
Job Summary
The CDER Director will have the unique opportunity to help define drug regulatory policy for the next generation. With increased resources and user-fee funding, the Director will lead CDER in the expedited review of applications for new drug products; work to make innovative, new medical treatments available to the patients with greater assurance of safety, effectiveness, and quality; reduce the time to conduct reviews on generic drug applications; conduct post-market surveillance and regulation throughout the product's lifecycle; improve communication with and education of consumers and healthcare professionals through more accurate and timely information about drug products and potential hazards; and enforce and ensure compliance to guarantee that companies market only the highest possible quality products.
This leadership position also has a critical role in supporting the development, availability, maintenance and deployment of medical countermeasures to biological, chemical, and radiological/nuclear threats and incidents, in the event of natural disaster, terrorist events, or other emergencies.
Candidates must clearly show that they possess the experience, knowledge, skills and ability to perform the duties of this executive position. Typically, experience of this nature will have been gained at or above the GS-15 grade level in the Federal service or its equivalent with state or local government, the private sector, or nongovernmental organizations.


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Sunday, Dec. 21, Wednesday, Dec. 24 and Thursday, Dec. 25 for Christmas.
Sunday, Dec. 28, Wednesday, Dec. 31 and Thursday, Jan. 1, 2015 for New Year's.
World War I Military Portraits is comprised of more than 32,000 photographs, typewritten volumes, and service records. The items were compiled from collections of the American War Mothers Milwaukee County…
New books, old books, audiobooks, big books...all are together again at your East Branch Library!
Book searching coming soon. For now use County Cat
The main portal for discovering all EBSCO database subscriptions available at the Milwaukee Public Library. Most of the databases are provided as part of Wisconsin's BadgerLink program.
Sorry, this event has already happened. Please explore our event calendar for events in the future.


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The Friends of the Rahway Public Library is a volunteer 501(c)(3) non-profit organization that provides fundraising and support to the library. Since 2010, we have raised thousands of dollars through activities including annual book sales, fundraising dinners, scavenger hunts, and other fun activities. These events have helped bring the community together and focused attention on the library as an important community hub.
The funds raised have helped support children's activities and educational programs, purchased additional books for lending, and provided necessary items not covered in the ordinary budget. Won't you help support our efforts and join the Friends of the Rahway Public Library? Simply complete the form found here, enclose your payment (cash or check), and return it to the Rahway Public Library in person or by mail.
Thank you for your support!
The 2013-2015 officers of the Friends of the Rahway Public Library are (left to right): Cathy Keefe, Treasurer; Joanna Miles, Vice President; and Colin Gittens, President. Not pictured: Diane Canizio, Secretary
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My mom emailed me this picture of me and my brother Coe, delivering Uncle Johnny (see previous post) a balloon on his birthday. Coe still lives next door to Johnny and visits him often.
Fifth grade was the year of turtlenecks and printed vests. And tapered jeans with flats. And a slicked backed pony tail with huge poofed bangs. Oh. It's so painful to relive.
You know you had your own awful youthful fashion choices. Spill it in the comments.
Oh My! I can't stop laughing. I think my favorite fashion statement was the stirrup pants with flats. I also loved the unit belts. Oh, and Eskimo Joes shirts (in every color). Which reminds me, ropers (in every color)were too cool for school. If you had a nice pair of pink ropers to match your pink pearl-snap shirt, you were totally cool.
Cutoffs were the rage! I will never forget talking my brother into giving me his old jeans so I could cut them off and be 'so cool'. Larry was an easy sale. I had and have a cool older brother. Mom was a harder sale....Running out the door with cutoffs and no shoes, that was the life!
Oh yes! Unit belts were my thing. Although I only had one that actually came from the Units store, the rest were "homemade" (thank you, mom). I remember desperately trying to make my hair do that "wing" thing on the sides right next to my ears. What do you want to bet that all those 80's styles will be making a new comeback soon. Somehow, those thing will be cool again - you just wait!
Also, loved the post on "Uncle" Johnny. Maybe you can visit him when you come "home" this weekend.
I was all about the tight-rolled jeans!
Girl, you are mild. You actually look normal. Those were the days. I do think I have you beat though, take a peek at my wedding pics, hehe. Girl, big hair and thick eyebrows are you kidding me. Although, I have to say, I still think big hair will return sooner than people think. Girl, I'm so there if it does. I can work that hair. HJ
I can't believe no one has mentioned MC HAMMER PANTS!!! I wore them the first day of 7th grade (along with half the other students in school). Absolutely and wonderfully hysterical. I had the bangs too, Starr. Maybe you remember, or were we past that by 8th grade when we met? I don't remember when they went out of style. So funny! Thanks for the trip down memory fashion lane, ladies.
Leggings. We wore a lot of neon patterned leggings in my day.
I'm Starr Cliff. A domestically-challenged mom, climbing over mountains of laundry to bring you my stray observations and amusing stories about my kids. (more)


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Narrow your search
Get great Black Friday deals on tech.
In the UK, many items on Amazon suddenly appear for a price of one penny. Retailers rail, while Amazon blames third-party software.
The world's largest social network has stopped showing results from the search engine.
The restaurant's branch in Brooklyn has a very modern festive idea. Until the drone goes off course and strikes a photographer in the face.
Why not let a drone pressure you into kissing the person sitting next to you at a chain restaurant? Better skip the garlic fries.
A security audit earlier this year showed gaps in the way the movie studio monitored its computer systems, according to a Recode report.
There are lots of cheap laptops and tablets in stores, but these are the ones that are actually worth checking out, from $99 laptops to rare price cuts on MacBooks.
This Black Friday is flush with tablet deals aimed at nearly everyone, from casual users to movie-buffs.
There's a lot of stuff that looks like a Black Friday deal but isn't. Here are the bargains really worth checking out.
So are any of the TVs listed in those crazy Black Friday ads any good? David Katzmaier, CNET's TV expert, takes a look at the deals and identifies the ones actually worth considering.
The first trailer for "Star Wars: The Force Awakens" has been viewed, remixed, parodied and shot in Lego form. Tell us if it fires up your lightsaber or if you're sensing a disturbance in the Force instead.


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336 pp., 6.125 x 9.25, 29 halftones, 8 maps, 2 tables, appends., notes, bibl., index
An Eighteenth-Century Couple's Spiritual Journey in the Atlantic World
2014 James A. Rawley Prize in Atlantic History, American Historical Association
Jean-François Reynier, a French Swiss Huguenot, and his wife, Maria Barbara Knoll, a Lutheran from the German territories, crossed the Atlantic several times and lived among Protestants, Jews, African slaves, and Native Americans from Suriname to New York and many places in between. While they preached to and doctored many Atlantic peoples in religious missions, revivals, and communal experiments, they encountered scandals, bouts of madness, and other turmoil, including within their own marriage. Aaron Spencer Fogleman's riveting narrative offers a lens through which to better understand how individuals engaged with the eighteenth-century Atlantic world and how men and women experienced many of its important aspects differently.
Reynier's and Knoll's lives illuminate an underside of empire where religious radicals fought against church authority and each other to find and spread the truth; where Atlantic peoples had spiritual, medical, and linguistic encounters that authorities could not always understand or control; and where wives disobeyed husbands to seek their own truth and opportunity.
"An unusually revealing view of the transcontinental networks and radical thought and behavior in the tumultuous 18th-century Atlantic world. Recommended. All levels/libraries."
"A compelling, deeply researched, and accessibly written microhistory of one couple's journeys throughout the eighteenth-century Atlantic world."
--William and Mary Quarterly
"Fogleman offers a lens through which to better understand how individuals engaged with the 18th century Atlantic World and how men and women experienced many of its important aspects differently."
--NIU Today
"A rich microhistorical narrative."
--Journal of American History
"In Aaron Fogleman's delightful book, the human dramas and the distinctive characters of the Reyniers come through with clarity and poignancy--to read the first few pages is to want to read the rest. Fogleman portrays them shrewdly, sharply, compellingly, and compassionately. His scholarship is capacious and even audacious in its sweep and in its depth. In the telling of the Reyniers' story, we learn much about the tumultuous and brutal Atlantic world."
--Michael Zuckerman, author of Almost Chosen People: Oblique Biographies in the American Grain
"The eighteenth-century Atlantic world comes into surprising new perspective as Aaron Fogleman follows an adventurous missionary couple in Europe, the American colonies, and the Caribbean. In his deft hands, Maria Knoll and Jean-François Reynier come to life, both in the extensive networks of religious conversion and in the intimate exchange of a sometimes uneasy marriage. Two Troubled Souls is a great read, absorbing from start to finish."
--Natalie Zemon Davis, author of Women on the Margins
© 2014 The University of North Carolina Press
116 South Boundary Street, Chapel Hill, NC 27514-3808
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Alcohol & Drug Counselor
Fr. Alfred Center is a year long, free, residential drug and alcohol treatment program for men located in San Francisco. It is a program of St. Anthony Foundation (please see www.stanthonysf.org for more information including the full text of the job announcement).
The Counselor position assists residents in developing a solid 12-step oriented foundation for recovery from alcohol and drug addiction through a social model- based program, providing assessments, one-on-one counseling, educational and group counseling sessions to a caseload of approximately 10 to 12 residents. The Counselor also provides general oversight and support services to all residents.


text: The French are dropping arms by air to the rebels. UN Resolution 1970 imposes an arms embargo on Libya. I am reminded of fascist Italy's attack on Ethiopia in 1935. Both were League of Nations members. I guess the rule of international law, such as it is, is something like "Open covenants openly arrived at and openly disregarded." The larger powers are slowly but surely undermining the UN. (This is an observation on the politics, not an endorsement of the UN.)4:35 am on June 29, 2011 Email Michael S. Rozeff


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Linux in the Freight-Transportation Industry
TransCore's Commercial Services, providers of technology-based business tools for the freight-transportation industry, recently released an operations-management software and hardware package called Keypoint for Brokers. The interesting part of this announcement, from our perspective at least, is that the hardware part of the package is the Sun Cobalt Qube 3 server and the software runs on Linux. The basis of TransCore's decision to use the Qube and Linux came directly from their and their customers' experience with the stability, extended up-time and speed that Linux offers.
Here's the full text of their announcement:
TransCore's Commercial Services, which provides technology-based business tools for its transportation intermediary and carrier customers, today announces the release of TransCore's Keypoint for Brokers, an operations-management software and hardware package that complements the company's popular freight-exchange and -matching services. TransCore's Keypoint for Brokers is the industry's most affordable software and hardware tool that enables users to track shipments and equipment, manage their customer data and have instant access to TransCore's DAT Services' load and truck network.
TransCore's Keypoint for Brokers, available on a subscription basis, is the first operations- management software tool of its kind to include prepackaged network solutions so users can securely host their information and handle business communications throughout the day in their own office network. The new tool also facilitates negotiation of freight movements online with trading partners and manages numerous routine business processes more efficiently. Keypoint for Brokers includes the following features:
Operations Management: Keypoint for Brokers captures order information for shipments and trucks; automates load matching; maintains and evaluates historical data as it relates to customers, consignees and carriers; and tracks activity on any shipment from acceptance to delivery.
Accounting/Financial Management: Keypoint for Brokers facilitates accounts receivable and accounts payable and generates aging and cash-management reports.
Records Management: Keypoint for Brokers manages customer, shipper, carrier, driver and equipment and vendor databases.
"Keypoint for Brokers is the next step toward TransCore's goal to provide integrated, end-to-end solutions that enable intermediaries to both manage their internal business processes and negotiate capacity and demand electronically," said Marc Cameron, COO of TransCore's Commercial Services. "Users of TransCore's Keypoint for Brokers package will notice measurable improvements in their back-office efficiency and enjoy the added benefit of having instant online access to the TransCore trading community of 20,000 companies that actively share load and truck availability across North America."
TransCore's research indicates that 72 percent of its broker customers do not have a commercial-grade operations management system. While numerous technology vendors have tried to address this market opportunity, few small- to medium-sized companies have embraced such software due to its complexity, high price and difficulty integrating with popular freight-matching systems. In a move to succeed where competitors have failed, TransCore has designed its operations management tool to be affordable, intuitive, and easily integrated with TransCore's suite of end-to-end solutions.
About TransCore Commercial Services
TransCore's Commercial Services is headquartered in Beaverton, Ore., a suburb of Portland, and is a part of TransCore, a privately held transportation services company with 1,800 employees and more than 80 locations throughout the United States and abroad. With installations in 37 countries, more than 160 patents, and a world-class manufacturing facility, TransCore's expertise in providing technology-based applications that improve transportation efficiency is unparalleled. TransCore's Commercial Services includes DAT Services, Keypoint and Link Logistics. TransCore's freight-exchange network was recently featured in Forbes' "Best of the Web: B2B." For more information, visit www.transcore.com or www.dat.com.
email: email@example.com
As Linux continues to play an ever increasing role in corporate data centers and institutions, ensuring the integrity and protection of these systems must be a priority. With 60% of the world's websites and an increasing share of organization's mission-critical workloads running on Linux, failing to stop malware and other advanced threats on Linux can increasingly impact an organization's reputation and bottom line.
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Most companies incorporate backup procedures for critical data, which can be restored quickly if a loss occurs. However, fewer companies are prepared for catastrophic system failures, in which they lose all data, the entire operating system, applications, settings, patches and more, reducing their system(s) to "bare metal." After all, before data can be restored to a system, there must be a system to restore it to.
In this one hour webinar, learn how to enhance your existing backup strategies for better disaster recovery preparedness using Storix System Backup Administrator (SBAdmin), a highly flexible bare-metal recovery solution for UNIX and Linux systems.
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Recent Comments
Aubrey O'Day Bares Bum in Sheer Lace Skirt
Reading comprehension skills need to be further stressed in our schools.
Aubrey O'Day Bares Bum in Sheer Lace Skirt
"you bore me. " --- Obviously Im not that boring if you keep coming back to continue this discussion with me. "your just blabbing on and trying to turn this on me" --Turn this on you? How? All I did was quote you dear. "and trying to say that you never said any of this stuff but babes, you indeed said all that trash." --- Read dear. If you physically scroll up the page under beatles comment, she said that she she called the paps. I didnt. "you said her flame was put out so clearly yourt rying to say that no one cares about her anymore" --- When I said that her flame was put out, I was saying that shes not as big a star anymore. She's no longer in the spotlight. Did you mss that part when I said "once youve been a celebrity you will always have some sort of fans, whether it be a million or 15"? If I was saying no one cared about her, I wouldnt have said shed always have fans. Thats contradictory. @Carlee Trying not to look like the bad guy? What have I said to be the "bad guy"? And saying that Im trying not to loook like the bad guy would imply that Im retracting what I previously said, which I've never done. Scroll back up, and read.
Aubrey O'Day Bares Bum in Sheer Lace Skirt
1. I never said she called the paps, that beatles person did. 2. I dont know why my opinion about Aubrey O'Days outfit "concerns you. I'll never know" "Why do people still fangirl over her and paps still want to get photos of her? answer that for me ok mate" --- Once youve been a celebrity youll always have some sort of fans, whether it be a million or 15. I never denied she had fans, I just see that requests for Aubrey O'Day are far and few in between. Second, most paparazzi rely on these pictures for a paycheck. They will take pictures of just about any celebrity. Im almost 100% sure that if Beyonce, Rihanna, Adele or anyone else more relevant walked by at that very moment, the paps would forget Aubrey was even standing there. I never denied she was good looking, and I liked her in Danity Kane. In my opinion, she had more star quality and staying power than any of the other girls.
Hotter After Heartbreak
In my opinion, Demi Moore looks so frail in this photo. It almost looks like shes holding on to rumor for support. She looked a LOT better before and during her relationship, than she does now.
Hotter After Heartbreak
She looks lovely as a blonde.
Hotter After Heartbreak
That bathing suit looks awesome on her!
Hotter After Heartbreak
Sandra Bullock has great legs!
Hotter After Heartbreak
In my opinion, Katie Holmes beauty is WAY overrated. Shes not an ugly girl at all, but without the makeup and the glam her looks would blend into a crowd.
Celeb Snaps! Hottest Star Sightings - Tuesday 07.10.12
Is it just me or does he look like a wax figure?
Aubrey O'Day Bares Bum in Sheer Lace Skirt
Hotshot? Please pump your breaks dear. Most celebrities either keep walking and ignore the paps or try to get away from the paps, while shes clearly hamming it up for them. And lets not forget this is coming from a star whose flame was put out quite some time ago. These looks like an attempt to stay relevant. Like I said, if she was on her way to the pool or the beach, then lovely, but for a casual stroll down the street, its over-the-top.
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The Hottest Celebrity Skin Pics of the Week – 12.28.14


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Conversely, those who choose not to come out are finding it harder than ever to protect their privacy. Over the past decade, the press has become more hostile to, and aggressive about, celebrities who are perceived to be closeted to exactly the same degree it's become more accommodating to those who come out. As the media have realized that being out has gotten easier, they've granted themselves the right to knock harder than ever on the closet door. Until a few years ago, coming out was understood to be a high-risk decision. With that in mind, the non-tabloid press adhered to a tacit pact that there was a difference between public figures who lied about their homosexuality (and were thus fair game for ridicule, along with their embarrassing starlet marriages and unconvincing awards-show dates) and those who just didn't discuss it and therefore had the right to be left alone in a gray zone of discretion. In that ''glass closet,'' their homosexuality was common knowledge in the industry, in the press, and among gay people. But they wouldn't be bothered as long as, in Lily Tomlin's words, they ''never denied anything, but...never said anything specific.''
That understanding is beginning to erode. Last month, a New York appeals court overturned decades of precedent by ruling that calling someone gay, even inaccurately, is not in itself defamatory. And legalities aside, the inherently insistent and impolite nature of the Internet has given so many people the ability to stare into that glass closet that the notion of ''not out, but not in'' has become very difficult to sustain. It's impossible to imagine that 15 years ago the chief television critic of The New York Times would have dared to belittle Anderson Cooper during the first week of his syndicated talk show, complaining that ''the one thing he hasn't done yet and the lacuna grows more obvious and awkward with each show is talk about his love life. It's hard to see how he can continue to leave that out selectively.''
That particular no-man's-land (well, perhaps that's not the best choice of words) has created any number of convoluted discussions. Nearly five years after Jodie Foster, at an awards breakfast, thanked ''my beautiful Cydney, who sticks with me through all the rotten and the bliss'' with no subsequent allusion to a same-sex relationship writers, editors, and gay-rights advocates are still arguing among themselves about whether that counted as coming out. Welsh actor Luke Evans (Immortals, Clash of the Titans), who had been out since 2002, was recently the target of ridicule when a publicist tried to dismiss his earlier, spectacularly unequivocal record of public comments as stemming from being ''inexperienced,'' creating a new category known as ''out until being cast in The Hobbit.'' And recently, when it was perceived that Queen Latifah had come out by reportedly referring to ''my people'' while performing at a gay-pride event in Long Beach, Calif., she found herself explaining to EW's Melissa Maerz that no, actually, she hadn't come out. Which leads to a question that begins, ''If you have to explain that you're not coming out...'' and is probably best left uncompleted.


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- Haru no PETARU - Spring Petal
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Haru no PETARU
|Original / Romaji Lyrics
|English Translation
utsutta hitomi hanakagami
senobi shite mita kinou no keshiki
hadashi de miteru kyou no keshiki
I see my reflection in a flower mirror
I stretch to see yesterday's landscape
I'm barefoot to see today's landscape
Transliterated by Miyuki Mouse
Translated by Umi Kouno <firstname.lastname@example.com>
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My Little Pony Ties
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December 18, 2014
WASHINGTON (AP) - Mitt Romney said in an interview that one reason he's reluctant to release his tax returns is that it reveals how much money he and his wife have given to the Mormon church.
In an interview with Parade Magazine, Romney says his church doesn't publish how much people tithe. In the interview, to be published Sunday, Romney says he never intended for his donations to become public.
Democrats have hammered the Republican presidential candidate for refusing to release any tax returns beyond his release of his 2010 return and a summary of last year's tax information. He has said he plans to release his full 2011 return before the Nov. 6 election.
Romney hasn't previously mentioned his reluctance to reveal charitable donations as a rationale for keeping his taxes private.
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Model Karina Lombard (THE FIRM) plays Antoinette Cosway, a Jamaican Creole descended from pirates and slave traders. When some vengeful ex-slaves burn down her family's estate, her unstable mother (Rachel Ward) descends into madness and alcoholism, after also being a...
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A proper English gentleman is taken back by the sexual desire of his fiancee in a pre-arranged marriage.
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Sixth Circuit Real Property Cases
Cases filed
Cases 1 - 10 of 9,339
Andres et al v. ABN AMRO Mortgage Group, Inc. et al
as 1:2014cv01305
Defendant: ABN AMRO Mortgage Group, Inc. , CitiMortgage, Inc.
Plaintiff: Byron Andres , Nicole Andres
Cause Of Action: Petition for Removal
Tennessee Valley Authority v. Jones et al
as 1:2014cv00356
Plaintiff: Tennessee Valley Authority
Defendant: W. Allan Jones, Jr., Bates Bend Farm LLC, Jones Management Services Inc. and others
Cause Of Action: Trespass on Public Land
Type: Real Property Torts to Land
Billings v. Seterus, Inc.
as 1:2014cv01295
Plaintiff: Paul A. Billings
Defendant: Seterus, Inc.
Cause Of Action: Petition for Removal- Foreclosure
Reppuhn et al v. Countrywide Home Loans et al
as 2:2014cv14791
Plaintiff: Ross Reppuhn , Dayle Reppuhn
Defendant: Countrywide Home Loans, Comerica, National City Bank and others
Cause Of Action: Diversity-(Citizenship)
Radisavljevich et al v. Comerica Bank
as 2:2014cv14777
Defendant: Comerica Bank, a Texas Banking Association
Plaintiff: Lottie Radisavljevich , Gary Radisavljevich
Cause Of Action: Foreclosure
Fortkamp v. Timothy Roberson, ABN AMRO MTG. GROUP d.b.a. CT Corporation System et al
as 3:2014cv00458
Plaintiff: Yvonne Fortkamp
Defendant: ABN AMRO MTG GROUP, CitiMortgage, Inc.
Cause Of Action: Fed. Question: Real Property
Joann Yaldo v. Homeward Residential, Inc., et al
as 14-2593
Plaintiff - Appellant: JOANN MARY YALDO
Defendant - Appellee: HOMEWARD RESIDENTIAL, INC., RESIDENTIAL CREDIT SOLUTIONS, INC
Texas Eastern Transmission, LP v. 3.2 ACRES PERMANENT EASEMENT, AND 4.2 ACRES TEMPORARY EASEMENT OF LAND IN COLERAIN TOWNSHIP, BELMONT COUNTY, OHIO et al
as 2:2014cv02650
Plaintiff: Texas Eastern Transmission, LP
Defendant: 3.2 ACRES PERMANENT EASEMENT, AND 4.2 ACRES TEMPORARY EASEMENT OF LAND IN COLERAIN TOWNSHIP, BELMONT COUNTY, OHIO, Eleanor Yoder, Todd Charles Yoder and others
Cause Of Action: Natural Gas Act
Type: Real Property Condemnation
Brown et al v. AMERICA'S WHOLESALE LENDER, et al
as 2:2014cv14755
Plaintiff: Michael F. Brown, Margaret Brown
Defendant: AMERICA'S WHOLESALE LENDER, Mortgage Electronic Registration Systems, Inc. , Vita Title Agency, Inc. and others
United States of America v. Embry et al
as 3:2014cv00917
Plaintiff: United States of America
Defendant: Regina L. Embry, Any Unknown Spouse of Regina L. Embry, Deutsche Bank National Trust Company and others
Cause Of Action: U.S. Plaintiff


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Insurance law
Professor Hector MacQueen
Team members
Gillian Swanson, Project Manager
We are assisting the Law Commission for England and Wales with this project.
Latest news
Our joint Report on Insurance Contract Law: Business Disclosure; Warranties; Insurers' Remedies for Fraudulent Claims; and Late Payment has been published (17 July 2014). A summary and news release are also available.
Annexed to the Report is a draft Bill which would implement our recommendations if enacted. In June 2014, HM Treasury consulted on the draft Bill and, we are pleased to report, on the same day as the publication of our Report, introduced a version of the Bill into Parliament. That Bill includes all of our recommendations apart from two provisions: the clause relating to late payment, and the clause concerning warranties and other terms relevant to particular descriptions of loss. These were omitted as HMT did not consider them suitable for the special procedure for uncontroversial Law Commission Bills. We will continue to work with stakeholders to find a workable solution on these points, to be introduced at the next legislative opportunity. The summary identifies the corresponding
provisions in the draft Bill and the Bill as introduced into Parliament.
The Bill also corrects a defect in the Third Parties (Rights against Insurers) Act 2010, so that that Bill can be implemented.
The Insurance Bill and accompanying Explanatory Notes are available at: http://services.parliament.uk/bills/2014-15/insurance.html. The Bill will follow the procedure for uncontroversial Law Commission Bills. The Government's announcement can be found at: https://www.gov.uk/government/news/government-takes-action-to-modernise-100-year-old-insurance-industry-rules.
Several stakeholders have asked how the duty of fair presentation under the Insurance Bill would apply where a single insurance contract covers a number of different people and/or legal entities. We have therefore produced a note setting out our interpretation of the current law and the position under the Insurance Bill.
The recommendations in our joint Report on Insurance Contract Law
Much of the current law is governed by the Marine Insurance Act 1906. The 1906 Act codifies principles developed in the eighteenth and nineteenth centuries. Although the 1906 Act only appears to relate to marine insurance, most of its principles have been taken to reflect the law for all insurance on the basis that it embodies the common law. The law is now seriously out of date and out of line
with modern commercial practices.
A duty of fair presentation in non-consumer insurance
The 1906 Act imposes a duty on a prospective policyholder to disclose to the insurer "every material circumstance" which would "influence the judgment of a prudent insurer" in fixing the premium or deciding whether to take the risk. Many businesses have little idea of what might influence a prudent insurer. Yet the penalties for failure to disclose information to insurers are harsh. If a policyholder fails to disclose material information, the insurer may treat the policy as if it does not exist and refuse all claims under it.
We identified several problems with the current law, including:
• The duty of disclosure is poorly understood.
• Knowing how to comply with the duty is difficult, particularly for large companies.
• The law encourages data dumping by businesses.
• The law encourages underwriting at claims stage.
• The remedy for failure is too harsh.
We therefore recommend:
• Replacing the duty of disclosure with a duty of fair presentation based on developments in case law, covering what should be disclosed and the form of disclosure.
• Encouraging insurers to take a more active role.
• Setting out rules concerning attribution of knowledge, particularly to non-natural persons such as companies.
• Putting the common law "inducement test" on a statutory footing.
• Providing a regime of proportionate remedies in the event of breach by the policyholder based on what the insurer would have done if it had received a fair presentation.
Warranties and other terms
An insurance warranty is a promise made by the policyholder to the insurer which, if broken, has harsh consequences for the policyholder. The general principles of insurance warranty law are founded on the rulings of Lord Mansfield in the eighteenth century, and codified in the 1906 Act. A warranty "must be exactly complied with, whether material to the risk or not". If not, then "the insurer is discharged from liability from the date of the breach of warranty". Once a warranty is breached, the policyholder "cannot avail himself of the defence that the breach has been remedied, and the warranty complied with, before loss".
We identified several problems with the current law:
• An insurer may refuse a claim for a trivial mistake which has no bearing on the risk.
• The insured cannot use the defence that the breach was remedied before any loss occurred.
• Breach of warranty discharges the insurer from all liability, not just liability for the type of loss in question. For example, a failure to install the right sort of burglar alarm would discharge the insurer from liability for a flood claim.
• A statement may be converted into a warranty using obscure words that few policyholders understand. For example, if a policyholder signs a statement on a proposal form that their answers form the "basis of the contract", this can have draconian consequences.
We make three recommendations in this area:
• Abolish "basis of the contract" clauses in business insurance, having already done so for consumer insurance in the Consumer Insurance (Disclosure and Representations) Act 2012.
• Where a warranty has been breached, the insurer's liability should be suspended, rather than discharged. Where a
breach has been remedied before loss, the insurer should be brought back on risk.
• Where a term relating to a particular type of loss, or loss at a particular time or in a particular location, is breached, the insurer's liability should only be suspended in relation to that type of loss or loss at that time or place.
(The last of these recommendations was not included in the Insurance Bill introduced into Parliament by the Government on 17 July 2014.)
Insurer's remedies for fraudulent claims
The law should provide clear remedies for the insurer where a policyholder makes a fraudulent claim, yet the current law appears confused and contradictory. Under the common law, the fraudster forfeits the fraudulent claim. However, section 17 of the 1906 Act gives the insurer a statutory remedy of avoidance of the whole contract in the event of a breach of good faith. In theory, this allows the insurer not only to refuse to pay any part of the fraudulent claim, but also to avoid the entire policy from the outset, with the parties being returned to their pre-contract position. This means the insurer could recover from the policyholder any sums previously paid
out on genuine claims. Although, in practice, the courts have been reluctant to apply the remedy of avoidance, its status is still uncertain. As a result, it is not clear whether the insurer is liable to pay other genuine claims, whether they arise before or after the fraud.
We recommend:
• Where an insured makes a fraudulent claim, the insurer should not be liable to pay the claim and should be able to recover any sums already paid in respect of it.
• In addition, the insurer should have the option to treat the contract as having been terminated at the time of the fraudulent act.
• The insurer should remain liable for genuine losses before the fraudulent act.
Damages for late payment
Where an insurer has unreasonably refused to pay a claim or paid it only after unreasonable delay, the current law in England and Wales does not provide a remedy for the insured. Notably, the insured is not entitled to damages for any loss suffered as a result of the insurer's unreasonable actions. This differs from the law in Scotland and most major common law jurisdictions, where such damages are available. The legal position in England and Wales is anomalous and out of step with general contractual principles. We consider that a policyholder should have a remedy where an insurer has acted unreasonably in delaying or refusing payment. However, we recognise that insurers need a reasonable time to investigate claims, and that the length of time required will depend on factors such as the type of insurance and the complexity of the claim. We also understand that the speed with which a claim can be paid may depend on the insured themselves, and other factors outside the insurer's control. Furthermore, insurers have an obligation to ensure that only valid claims are paid.
We recommend:
• An implied term in every insurance contract that the insurer will pay sums due within a reasonable time. Breach of
that term should give rise to contractual remedies, including damages. In Scotland, a statutory provision would serve to confirm and clarify the position already established at common law.
• Guidance as to factors to be taken into account when considering what constitutes a "reasonable time".
• Insurers should not be liable for delays caused by genuine disputes.
(The recommendations relating to late payment were not included in the Insurance Bill introduced into Parliament by the Government on 17 July 2014.)
Good faith
The law currently provides for avoidance of the insurance contract where either party breaches the duty of good faith. We recommend removing this remedy. Good faith should be retained as an interpretative principle.
Consumer Insurance
The Consumer Insurance (Disclosure and Representations) Act 2012 came into force on 6 April 2013. It derives from the recommendations in our joint Report on Consumer Insurance Law: Pre-Contract Disclosure and Misrepresentation (Scot Law Com No 219) further details of which can be found on the completed project page. The Scottish Government gave their initial response to the Report in March 2010 and gave a further response following the successful passage of the Bill through the UK Parliament.
Background information
The project began in January 2006. The joint team issued a scoping paper, inviting views on which areas of insurance contract law were in need of reform. In the light of the responses received, a paper setting out the scope of the project was published. The first joint consultation paper, published in 2007, covered pre-contract issues in both consumer and business insurance but the emerging scale of the project led the Commissions to introduce a phased programme of work, dealing with pre-contract consumer and business issues separately.
Our first report on Consumer Insurance Law was laid before Parliament in December 2009 and the Consumer Insurance (Disclosure and Representations) Bill was introduced in the House of Lords under the Special Bills Procedure in May 2011. The Bill, now the Consumer Insurance (Disclosure and Representations) Act 2012, received Royal Assent on 8 March 2012 and, as stated above, came into force on 6 April 2013.
The Law Commissions' second joint consultation paper (2011) covered post contractual issues: damages for late payment, remedies for fraudulent claims, insurable interest and policies and premiums in marine insurance. Our third joint consultation paper (2012)
covered disclosure in business insurance and warranties. Some of the results of these consultations fed into the second Report and draft Bill, published on 17 July 2014. That Report covers disclosure in business insurance, warranties, remedies for fraudulent claims, and late payment. All of these papers, and other papers published in relation to the project, can be accessed by means of the links
Next step
We are currently considering how best to deal with the issues on which we have consulted but not yet reported. These include matters such as insurable interest and policies and premiums in marine insurance.
Summary table of papers published so far:
If you require any further information on the Insurance Contract Law project, or if there are matters you wish to raise, please email: firstname.lastname@example.com.
If you would like to be kept informed of future publications and events we should be happy to add you to our email mailing list on request.


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Anderson Cooper Comes Out
July 2, 2012 by Maureen McCarty, HRC Associate Director of Digital Media
Longtime journalist Anderson Cooper has publicly acknowledged that he is gay in an email to Andrew Sullivan of The Daily Beast.
Cooper explained that though he has long been a figure in the public eye he preferred to maintain his privacy. He said he recently began to reconsider his decision after weighing the "unintended outcomes" of not publicly acknowledging his sexual orientation.
"I've also been reminded recently that while as a society we are moving toward greater inclusion and equality for all people, the tide of history only advances when people make themselves fully visible."
Sullivan reached out to Cooper for his opinion on the importance of LGBT visibility in media and then, with Cooper's blessing, published his response.
Read Cooper's email below:
Andrew, as you know, the issue you raise is one that I've thought about for years. Even though my job puts me in the public eye, I have tried to maintain some level of privacy in my life. Part of that has been for purely personalreasons. I think most people want some privacy for themselves and the people they are close to.
But I've also wanted to retain some privacy for professional reasons. Since I started as a reporter in war zones 20 years ago, I've often found myself in some very dangerous places. For my safety and the safety of those I work with, I try to blend in as much as possible, and prefer to stick to my job of telling other people's stories, and not my own. I have found that sometimes the less an interview subject knows about me, the better I can safely and effectively do my job as a journalist.
I've always believed that who a reporter votes for, what religion they are, who they love, should not be something they have to discuss publicly. As long as a journalist shows fairness and honesty in his or her work, their private life shouldn't matter. I've stuck to those principles for my entire professional career, even when I've been directly asked "the gay question," which happens occasionally. I did not address my sexual orientation in the memoir I wrote several years ago because it was a book focused on war, disasters, loss and survival. I didn't set out to write about other aspects of my life.
Recently, however, I've begun to consider whether the unintended outcomes of maintaining my privacy outweigh personal and professional principle. It's become clear to me that by remaining silent on certain aspects of my personal life for so long, I have given some the mistaken impression that I am trying to hide something - something that makes me uncomfortable, ashamed or even afraid. This is distressing because it is simply not true.
I've also been reminded recently that while as a society we are moving toward greater inclusion and equality for all people, the tide of history only advances when people make themselves fully visible. There continue to be far too many incidences of bullying of young people, as well as discrimination and violence against people of all ages, based on their sexual orientation, and I believe there is value in making clear where I stand.
The fact is, I'm gay, always have been, always will be, and I couldn't be any more happy, comfortable with myself, and proud.
I have always been very open and honest about this part of my life with my friends, my family, and my colleagues. In a perfect world, I don't think it's anyone else's business, but I do think there is value in standing up and being counted. I'm not an activist, but I am a human being and I don't give that up by being a journalist.
Since my early days as a reporter, I have worked hard to accurately and fairly portray gay and lesbian people in the media - and to fairly and accurately portray those who for whatever reason disapprove of them. It is not part of my job to push an agenda, but rather to be relentlessly honest in everything I see, say and do. I've never wanted to be any kind of reporter other than a good one, and I do not desire to promote any cause other than the truth.
Being a journalist, traveling to remote places, trying to understand people from all walks of life, telling their stories, has been the greatest joy of my professional career, and I hope to continue doing it for a long time to come. But while I feel very blessed to have had so many opportunities as a journalist, I am also blessed far beyond having a great career.
I love, and I am loved.
In my opinion, the ability to love another person is one of God's greatest gifts, and I thank God every day for enabling me to give and share love with the people in my life. I appreciate your asking me to weigh in on this, and I would be happy for you to share my thoughts with your readers. I still consider myself a reserved person and I hope this doesn't mean an end to a small amount of personal space. But I do think visibility is important, more important than preserving my reporter's shield of privacy.
H/T The Daily Beast
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