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|Behaviorkelton has a recent post about "no debt? bad credit rating?" asking this question.
"What if I do this?:
No! That's exactly what I've done for years. Imagine my surprise today when our boat insurance renewal said "We did not give you our lowest possible premium due to the following information that we evaluated from your credit history:
1. You had no auto loans or leases reported opened within the last 10 years.
2. The average open date of all your reported loans and accounts was less than 20 years ago. (What???)
3. You have fewer than 2 open, satisfactory loans and accounts. "
We have one credit card account. DH and I each have our own cards (same #)and I pay it off monthly. Mortgage has been paid off for several years. We live within our means and anything and everything we might need or want goes on that one card. If I were to buy a brand new car, it would go on that card and get paid off because we get cash back and I really like the year end summary they send each year listing and breaking down charges.
You better believe I called the company to find out what's up. Answer: Insurance companies check credit reports to evaluate your likelyhood of submitting a claim. Evidently, because we have no loans (also no accident reports) we don't fall into their "norm" so instead of their best rate of $110. we get to pay $150. I've just begun digging into this.
Follow-Up Postings:
- Posted by western_pa_luann (My Page) on Thu, Jun 25, 09 at 21:58
|Your story has nothing to do with paying off the cards each month!
"3. You have fewer than 2 open, satisfactory loans and accounts. "
You say "We have one credit card account".
Paying off monthly is irrelevant.
- Posted by breenthumb (My Page) on Thu, Jun 25, 09 at 23:08
|That's exactly my point! The average is 4 per insurance rep but 2 might qualify. So we have to open more credit card accounts whether we want them or not. Can't wait to see what our credit score is.
- Posted by breenthumb (My Page) on Fri, Jun 26, 09 at 0:26
|And isn't that what he was asking?
- Posted by dreamgarden (My Page) on Fri, Jun 26, 09 at 15:58
|If you think that is bad read about this guy. He is definitely to blame, but its easy to see how you can be affected in other ways if you aren't careful about keeping up with your bills.
Jeffrey Slebodnick was hired last summer to work as an adjunct professor at a technical college.
He had a master's degree, excellent recommendations, and no criminal record.
"I was given four classes and I was excited to start the term," said Slebodnick, 47, from Perry, Mich. who teaches geography.
"But a week after I was offered the job I got a call asking if I had any student loans, which I did, and when I planned on paying them," he said.
Slebodnick says he was told he would not be allowed to start work at an ITT campus in Michigan, because a credit check revealed he had some $50,000 in outstanding student loans and had recently declared bankruptcy.
"He told me they wouldn't hire someone who defaults on student loans. It was a shocker to get that phone call and get those classes pulled from me."
|Hi breenthumb,
Rumour has it that there are other insurance companies. Granted, there are fewer than there used to be, as they, like most corporations, hate competition on their own level and will go to great lengths to get rid of competitors.
Some time ago I had a personal tax-deferred retirement account with a stockbrokerage, which had incurred no administration cost for years, as it had been grandfathered that way when that company took over another company.
When I came to the age where I had to reverse it from an account into which I paid in, into one into which I could no longer pay in, but must withdraw a certain percentage annually, which increases from about 7% at age 71 to 20% at age 90 and beyond, a problem arose. They said that there would be an annual administration fee, and my claim that it was a continuation/reversal of a fee-free account that I'd had with them for years fell on quite deaf ears.
So ... I did some checking with some other agencies, and came back to report that, since such and such a company and so and so company would agree to carry my account without an administration fee, I was considereing transferring my account ... they seemed to have a change of heart, for it appeared that they, too, could carry that account without an admin. fee. Which they've done for about 10 years, now: nice to have a little skill and effort save one well over $1,000., on occasion, right?
I didn't feel it necessary to include in my report the fact that I would be somewhat less inclined to use the other companies than the one that I had been with for years ... as Grandma used to say, "One should tell the truth ... but there's no reason that one should blab and tell all that one knows".
So ...
... if you don't, or haven't owed money for several recent years in several locations/circumstances ...
... they figure that your trustworthiness is suspect, do they?
As I've lived in over 20 locations in my 79 years (as I discovered when they asked over on KT in how many places one had lived), I've never owned a home ...
... so never had a mortgage.
As I live fairly frugally, I've had few loans. Which situation is aided by the fact that I tend to buy old cars and drive them into the ground, which usually takes 5 - 7 years ... which enables me to buy them for cash (having added a bit to emergency funds from time to time, and drawing on it to make those smallish purchases).
When I have substantial debt and must pay quite a lot of interest every month, it seems to me that, since much of our debt is usually non-deductible, if I have to pay $100. monthly in interest, and make $10.00 per hour, after-tax income ... that means that I work 10 hours/month for someone else, the holder of my loan(s).
I'd rather wait until I can afford to pay cash ... and pay myself, instead.
Learning how money works is an interesting hobby ... that pays well ... and I hope that you're developing increasing shrewdness at managiong your income and assets effectively: to benefit you rather than the other guys (with the exception of worthy charities).
Hope you're part way into a happy weekend.
One nice thing about retirement is ... that every day is weekend. A nice benefit of learning skillful management of money may well be/quite likely will be ... early retirement (at your choice, not because your company downsizes when you're about 50 ... leaving you out in the cold).
ole joyful
P.S. I could qualify, as I've had a Line of Credit, usually unused, for about 10 years, and have had a credit (actually "debt") card for several years, which I use infrequently. I recently took on another, which offered 1.9% on transferred balances for most of this year, figuring that I'd buy some stock using the original card, then transfer the balance, as the bank, which had usually charged me bank prime on my loans (fully secured), they recently said that prime was 3.5% ... but they needed a 1.5% surcharge, to total 5%. Now, however, they say that the interest on my Line of Credit will be 2.25% ... so I'll take that, instead of jockeying on credit cards - not a good idea to shift from one horse to another while crossing a stream, I figure.
Most cards charge full rate (often 18% on mainline cards: 28% or so on store-issued cards) from the date of the advance until it is paid in full, and I'd not be sure how long it would take to transfer to the second card.
o j
- Posted by breenthumb (My Page) on Sun, Jun 28, 09 at 11:06
|Right you are, OJ. There are several companies and I'll be checking their rates. Starting with my real insurance co. (who no longer covers boats, so they partnered with this one just for boat policies). I want to be sure they are not doing the same thing with all my other policies without sending the disclosure page. We have been with them for over 40 years and they've been really good the few times we had a claim so I'd hate to have to change. The credit card I use is also with them so they know all my payment history on policies and credit.
As far as paying interest, I always look at it as ultimately paying more--often much more-- for anything I buy. Why look for a good price then add to it by paying interest?
Hope you're having an enjoyable weekend as well.
|"He told me they wouldn't hire someone who defaults on student loans. It was a shocker to get that phone call and get those classes pulled from me."
I'm shocked that he was shocked.
|Hi again breenthumb,
There's something about your comment that drew my attention.
You say, "Starting with my real insurance co. (who no longer covers boats, ....", and my reaction is that a
Which make them, in my book, more a thing than a person - a "which", rather than a "who".
I'm not meaning to be critical of your message: I intend this an a comment/observation rather than a criticism ...
... but it seems to me that precision of language leads to precision of thought, and vice versa.
I've said to a number, over the years, that one of the major issues that affects how successful we are in life is our ability to communicate our thoughts/images as they are in our mind into someone else's mind, via ear (or eye, and other ways) as precisely as it was formed in ours, with as little misunderstanding as possible.
And the quicker and more effectively that we have proved ourselves capable of doing that has a major effect on our reputation with others.
May I add, even more so in these days when, rather than earlier by face to face contact or telephone, where other nuances are apparent, modern communication is increasingly be email and the like, where the nuances aren't apparent.
End of rant.
ole joyful
- Posted by breenthumb (My Page) on Fri, Jul 10, 09 at 21:40
|So our insurance co. ( which no longer covers boats) checked and no, we aren't being charged more and checking credit is not yet one of the ways they determine rates. But she had heard about that from other customers and assured me we would be notified beforehand if/when they do. Policy then would include the disclosure form too.
Five minute phone call to another company and we could drop our yearly boat policy cost from $150. to $94. for the same coverage.
But, from the conversations I had, it did sound like that credit check may become the norm for insurance companies. So I'm going to open more credit cards in an effort to appear "normal".
- Posted by breenthumb (My Page) on Fri, Jul 10, 09 at 22:58
|On the other hand it might work against me just because it's newly opened and looks like I need more credit. Just dunno.
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Check out what our teachers are wearing this week!
Some of our teachers and students experienced the Frosty 5K this year!
Aleesha was our Champion today, and Michael was our Runner-up in today's 5th Grade Geography Bee.
4th and 5th grade Chorus members put on a wonderful Holiday Program featuring holidays around the world.
NLE students on Team Idea Engineers take home 1st prize!
Jeff Grimm, parent of Luke in 3rd grade, donated an ipad to NLE through his company, UDig.
FTS International donated money to help us start up an after school robotics program.
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subset: commoncrawl


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Caregiving can drain families and their financesNovember 25,2012I watched my father-in-law take his last breath.
Since midsummer, my husband and I had been caring for his father, who was 83 and had lung cancer. A nurse working for the hospice company had warned us that we might not have much more time with him.
I had feared a business trip would keep me from being there. I arrived home an hour and half before he passed away.
He waited for me. I believe that was his gift to me to be able to have closure. Im so grateful that I was with him, along with my husband and the long-term care aide who gave so much of herself during the last year of his life.
You probably didnt know that November is National Caregivers Month. And you probably didnt know because there arent any big celebrations to mark the occasion. No, the 65 million people who give their time and money to care for sick or disabled relatives, most of them elderly, do so in relative obscurity.
Following one of my more difficult moments caring for my father-in-law, a friend sent me a link to a public service announcement created by the Ad Council and AARP. You can find it on YouTube. Search for Caregiving: Ad Council PSA Silent Scream. The 32-second video captures caregivers silently screaming from the frustrations, paperwork and money issues that come with the job. I cried while watching it. Still the ad made me feel better knowing that I wasnt alone or wrong in wanting to let my emotions show.
Family caregivers are really a national treasure, said John Schall, chief executive of the National Family Caregivers Association.
The association began promoting the celebration of family caregivers in 1994. One of the pressing concerns facing our leaders is rising health care costs, especially for sick, disabled and elderly citizens.
Immediately after the election, talk turned to the fiscal cliff expiring tax cuts and major across-the-board federal spending cuts facing the nation. But theres another looming crisis, the caregiver cliff. Caregivers are taking time off from work, and thus risking their jobs, or tapping into their limited resources to provide care. They are stressed and often neglect their own health needs.
Consider these statistics collected from various studies by the National Family Caregivers Association:
The value of the services family caregivers provide for free is estimated to be $450 billion a year. This is almost twice as much as what is spent on home care and nursing home services combined, Schall said.
About 66 percent of family caregivers are women. More than 37 percent have children or grandchildren under 18 living with them. As the mother of three, I certainly can attest to the struggle of being sandwiched between two generations that need your help on a daily basis.
Family caregivers spend an average of 20 hours per week providing care. Thirteen percent provide 40 hours of care a week or more. By the time my father-in-law came to live with us, he needed care around the clock. He couldnt perform any activities of daily living such as feeding, bathing or dressing himself. Even with two shifts of aides, there were gaps that had to be filled by my husband and me.
Nearly 80 percent of adults in need of long-term care depend on family and friends as their only source of help.
My father-in-law was a good saver and had enough money to pay for aides. But so many others arent so fortunate. During the 2009 economic downturn, one in five family caregivers had to move into the same home with their relative to cut expenses.
Theres another figure that I need to point out. Forty-seven percent of caregivers who work say that paying for caregiving expenses has caused them to use up all or most of their savings.
The answer in this crisis isnt that we rely less on family caregivers. Its not solely depending on government assistance. Its going to take a combination of solutions. For example, legislation introduced this year in the Senate would establish a federal tax credit to assist with the costs of caring for an aging family member. Or, Schall said, we could give Social Security credits for those who become full-time caregivers.
From a national perspective, if we are serious about reducing health care costs, we have to invest in family caregiving, he said.
This issue affects so many people. If not you, then probably somebody you know.
Readers can write to Michelle Singletary c/o The Washington Post, 1150 15th St., N.W., Washington, D.C. 20071. Her email address is email@example.com IN National / World BusinessNEW YORK Can the U.S. Full StoryJACKSON CENTER, Ohio Bob Wheeler still gets the question sometimes when people find out he runs... Full StoryNEW YORK Natural gas, the nations most prevalent heating fuel, is getting cheaper just as... Full Story
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For Sale: 2002 Chevrolet Camaro
anniversary edition
Ad #182236303 Posted:2014-07-05 00:01:37
This ad expired 84 days ago.
Original owner selling this 2002 Anniversary Edition SS convertible. Garage kept and flawless. This car was taken care of. This is the one per dealer car with special wheels brakes badging interior stripes show mat window sticker. The car was washed every time it was driven and the paint is flawless. 301-518-2735 clean car fax never been damaged. Only 12k miles and the car was serviced every year.
Seller Phone Number: (301) 518-2735
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GAITHERSBURG, MD Get Directions To This City
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Beaulieu-sur-Mer, France
2 Boulevard Eugene Gauthier, 06310 Beaulieu-sur-Mer, France – Show map
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Outdoor Pool, Terrace, Sun Deck
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Bar, Breakfast in the Room
WiFi is available in public areas and is free of charge.
WiFi is available in the hotel rooms and is free of charge.
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Appart'Hotel Odalys Les Hauts de la PrincipautéThis modern residence is in Beausoleil, at the foot of Mont des Mules. It is 10 minutes from Larvotto Beach and the Mediterranean Sea. It features free Wi-Fi access.
Score from 661 reviews Excellent
Hôtel Carlton is 320 yards from the Baie des Fourmis Beach in Beaulieu-sur-Mer, and just over a quarter mile from the Beaulieu-sur-Mer Train Station and Bus Stops.
Score from 308 reviews Good
Located opposite Cros-de-Cagnes port, La Locandiera is on the French Riviera between Nice and Cannes. This stone villa offers free access to the hot tub in the garden.
Score from 18 reviews Exceptional
Located between Nice and Monaco, this hotel provides comfortable accommodations in the center of Beaulieu-sur-Mer. It is across from the train station, close to the beaches and casino.
Score from 212 reviews Very good
the woman who checked me in was lovely, nice pool, nice roofdeck, great location, mini bar
the standard room was from the 1950's, old yellow paint, a lumpy bed, blankets that should be in a homeless shelter, two pillows that were not the same, no blind in the bathroom so the light woke me up from the window as there was no door, put some money into the room . the man who checked me out did not even look me in the eye as he gave me my credit card and receipt back, he just passed it to me while looking down
Great buffet breakfast overlooking marina. Nice pool.
Too close to railway tracks.
Great spot on beach, very clean and great pool.
WiFi, terrible
Lovely pool and roof terrace, with a great view of the harbour. The hotel was immaculately clean and the staff were very helpful. Perfect location for getting about the area and visiting other towns.
The internet was hit and miss and you can only use one device.
Location & near-by facilities Transport links General arrangement Superb pool and roof top terrace Simplicity and cleanliness English speaking Value for area
The location of this hotel is second to none in Beaulieu. Across from the marina with wonderful sea views from our balcony. The room was comfortable and the bathroom very new and luxurious. There is a swimming pool and plenty of sun beds. However the beautiful beaches are a few minutes walk away as are very good restaurants.
-Clean, spacious rooms with gorgeous views...especially from sea view rooms and the rooftop terrace available to all guests. -Friendly and professional staff from front desk to housekeeping. -Breakfast area was quite comfortable. -Pool was clean and inviting -Beach & marina front location was fantastic.
-Free WiFi was weak and intermittent, and annoying. - Continental breakfast could have been a little more substantial considering the price of 10€ per person per day.
Views of harbour and mountains, rooftop patio quiet and huge, rooms great for sleeping with metal blinds, close to town, railway station, beaches, trails and many towns
Noisy on balcony at times, noisy around pool
The location was fantastic, front and centre on the world famous French Riviera. The unpublicized roof top terrace afforded magnificent uninterrupted views of the marina and Bay.
The hotel is run down, paint peeling and outdated. 1960'S feel about it. The roof top neon light "hotel" had obviously been broken for quite awhile and this reflects the rest of the hotel. Lift is small (3person) and typical of older European hotels but is inadequate to service 4 floors and domestic staff. Wifi facilities were limited to one service per room - this straight away indicated a sub standard service and we had problems with it from the start. We also heard 3 other guests complain. To the point where we had to completely discount it, had to rely on the pizza place across the road which had excellent Wifi service. In this day and age it is not acceptable to not offer Wifi in a hotel of this type. To advertise it and not supply a reliable service is even worse. Breakfast was very basic.
unhelpful staff on reception
Close to beach and port, nice pool, roof terrace and friendly staff. very good value for area. Good breakfast.
no restaurant in hotel, minor problem. no option given for sea or mountain view. Wifi kept dropping out.
Pool. Staff. Location. View. Balcony.
Wifi very inconsistent, I was constantly disconnected and had to keep logging back in. Breakfast choices could have been a bit wider, bacon, choice of eggs cooked for you, etc.
Panorama view, great terrace, with perfect shuttles to make dark in the room, great sun cover, luxurious shower
good location near train line. pool is small but was never over crowded when we were there. hotel is spotless. hotel is a good base but traffic passing by creates a lot of noise. There are shutters on the windows which block out the noise at night but its noisy during day if you are sitting on balcony. Room 226 had lovely views of the bay
WIFI is non existent in the hotel. Once you log in you are logged out and its most frustrating. The restaurant across the road has good WIFI
The sea view, the excellent location (15 mn drive from Nice, 5 mn walk from a supermarket, 2 mn walk to the marina, 20 mn drive to a fantastic medieval village Eze)
Poor soundproofing, located near a roundabout.
Swimming pool Standard of cleaning Location
Stained upholstery in room Bath very old and in need of resurfacing Some staff very unfriendly Internet service sketchy and could only be used by one of us at a time due to password
The hotel was partly renovated but we stayed in a non renovated room that smelled awful. There was mold in the bathroom and a broken tub, and a carpet full of stains we were scared to walk barefoot!!!! This room should not under any circumstances be offered! It is hazardous to a client's health! Very disappointing experience!
Location Swimming pool Roof terrace and the views Friendly staff
I like everything, view, the area around, the stillness
Location , Stuff .
i think they should care more about maintenance as the door of the toilet didn't close at all . i think the locker was broken or something .
The fantastic sea views from the balcony, the breakfast available till 10.30, the roof terrace, the pool. Really helpful, friendly staff and a lovely place to stay. Good cafe opposite with wifi, bus stops very nearby and station a few minutes away; very easy to travel around without a car.
Initial problems with aircon affected sleep quality, but management resolved this by moving us to another room, while they waited for a repair.
Location, clean, bright,modern, good facilities in room, friendly staff, nice pool and roof terrace area, good continental breakfast (for the money charged)
Perhaps needs coffee maker in room - or is that an English thing?
Brilliant location opposite marina Excellent air con all rooms and great pool
Wifi poor
The rooms with a sea view are the best as they have been refurbished & are very good.
When the other rooms have been refurbished the hotel will be great. Everything else is very good. We have stayed at the hotel 2013 2014 & we will go again,a great location .
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Sunday, August 18th (All times Eastern)
Washington Nationals (60-62) at Atlanta Braves (75-48), 1:35 p.m.
Probable Starting Pitchers: Washington - Gio Gonzalez (7-5, 3.42) Atlanta - Julio Teheran (9-6, 3.08)
(Sports Network) - The Atlanta Braves will try to bounce back and take care of the Washington Nationals without extra innings Sunday in the finale of a three-game series from Turner Field.
The Braves needed 10 innings to post a 3-2 win on Friday courtesy of Justin Upton's game-winning home run, but the Nationals returned the favor with Saturday's 8-7 triumph in 15 innings. Adam LaRoche led off the top of the 15th with a home run and Kris Medlen was dealt the loss.
Jason Heyward had a big night with two home runs and three RBI, while Freddie Freeman and Brian McCann both went deep. McCann finished with three hits for the NL East-leading Braves, who lost for only the third time in the previous 21 games and are 14 1/2 games in front of Washington in the division.
Mike Minor started for the Braves and was forced out after just 1 2/3 innings, as he surrendered four runs and four hits.
"They were a lot more patient tonight," Minor said of the Nats' hitters.
Atlanta is 5-3 on its nine-game homestand and will start a six-game road trip next week against the New York Mets and St. Louis Cardinals.
Julio Teheran draws the start for Atlanta Sunday and he is looking to pitch his club to another series win. The Braves haven't lost a series since July 19-21 against the Chicago White Sox and are 4-1 in Teheran's last five starts.
Teheran, though, is coming off a loss to Philadelphia on Monday and gave up four runs in six innings of a 5-1 setback. He is 9-6 in 23 starts to go along with a 3.08 earned run average and defeated Washington on Aug. 6, tossing six innings of one-run ball in a 2-1 victory at Nationals Park. He is 1-1 in four starts with a 3.75 ERA lifetime against the Nats.
The Nationals had so much promise heading into the season, but things have taken a turn for the worse. They're playing well of late and still sit 8 1/2 games off a wild card spot.
LaRoche had a big hit in the 15th inning and Ryan Zimmerman also homered, while Wilson Ramos added three hits and two RBI and Denard Span collected a trio of hits at the plate.
"Just a full team effort. We used up everybody we had, plus one of our starters coming out and closing the game so pretty awesome," LaRoche said.
Stephen Strasburg yielded two runs in an inning of work and Craig Stammen picked up the win with three scoreless innings of relief. Strasburg was ejected for throwing behind Braves shortstop Andrelton Simmons twice on Saturday.
"I can't really explain it. I really didn't feel good out there," he said.
Dan Haren was called on to close out the Braves and fanned two batters in the 15th.
Washington, which has won six of eight games, is 1-1 on its 10-game road trip and will also visit the Chicago Cubs and Kansas City Royals.
Gio Gonzalez gets the call for the Nats Sunday and he is 0-2 in his last five starts. Gonzalez tossed four shutout innings in a 4-2 win over San Francisco on Tuesday before it started raining. Gonzalez is 7-5 in 24 starts to go along with a 3.42 ERA and lost to the Braves on Aug. 6, as he surrendered both runs in seven innings of a 2-1 loss.
Gonzalez, a left-hander, is 2-5 with a 5.24 ERA in eight career starts against the rival Braves.
The Braves are 11-4 against the Nationals this season and had won the last six matchups between the clubs. Atlanta recorded a three-game sweep over the Nationals last week in D.C.
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By Brad Grupe
(CEDAR RAPIDS, IA 07/25/03)- Santa Claus made
an early visit to Hawkeye Downs Speedway on Friday night as Rexco Bobcat
presented Christmas In July. Joining in the celebration were the regular
divisions of the "ASA Papa Johns Cup Iowa Wireless Stock Car Championship" were
the Special K Motorsports IMCA Stock Cars. The past couple weeks have seen the
best racing of the season at the point battles stay tight.
Scott Wennermark of Cedar Rapids has come close to victory since joining the Budweiser Late Model Sportsmen division but Friday night he emerged as the winner of the 30-lap feature. The race featured some hard fought close quarters racing throughout with Wennermark using an outside pass on lap 22 to grab the point from Brian Franks. The two had battled sided-by-side for a couple laps before making slight contact.
Wennermark, the 1999 rookie of the year in the Modified division, started in eighth. Andy Duggan, who visited Coca Cola Victory Lane last week, finished in second after starting 10th. Brian Franks finished in third after starting in 6th.
Mike Ehde, who makes the trek to Hawkeye Downs from Prarie Du Chien, WI., edged out Johnny Spaw and Jim Ross by the narrowest of margins to post the win in the Performance Concepts Late Model feature. Ehde's margin of victory was a scant 57-thousandths of a second over Ross according to Alliant Energy Timing and Scoring. Johnny Spaw finished right behind Ross.
Ehde, started in sixth before taking the win while Ross started fourth and Spaw ninth. The finish puts Ross and Spaw tied for the points lead with 436 points, while Ehde is just four points behind.
Max Corporon picked up his third win of the season in the Miller Time Modifieds, crossing the stripe comfortably ahead of Chad Willet and points leader Larry Clausen. Corporon started his GM Crate Engine powered machine in fourth. Willett started 6th on the grid while Clausen was back in tenth as the green dropped.
The Barron Motor Supply Super Stocks feature win went to Randy Filling as he posted a 1.8 second win over Bob Ahrendsen. Filling, who was second in his last outing, started inside the third row and took the lead from polesitter Ron Fisher at the halfway mark of the race.
Ahrendsen started in tenth and cruised through the pack to claim the second spot. He sits third in points. Paul Walder finished in third after an eighth place start.
The Special K Motorsports IMCA Stock Cars returned to action of Friday night also with Chad Siems finding his way to victory lane, which was decorated with Christmas lights and decorations for the event. Siems started on the pole and head off Doug Simon and Ronnie Godwin for the win in the 15-lap feature.
HAWKEYE DOWNS SPEEDWAY-Cedar Rapids, IA
Results for July 25,2003
1. Chad Siems, Mt. Auburn
2. Doug Simon, Marion
3. Ronnie Godwin, Earlham
4. Norman Chesmore, Garrison
5. Cliff Gray, Waterloo
6. Brian Sterling, Oskaloosa
7. Kurt Bohnsack, Iowa City
8. Larry Silbaugh, Jefferson
1. Randy Filling, Toddville
2. Bob Ahrendsen, Cedar Rapids
3. Paul Walder, Cedar Rapids
4. Scott Grady, Walker
5. Arnie Reif, Hiawatha
6. Aric Becker, Cedar Rapids
7. Jim Janson, Cedar Rapids
8. Chad Siems, Mt. Auburn
9. Cory Houdek, Anamosa
10. Dave Mccalla, Cedar Rapids
11. Greg Hentrich, Hiawatha
12. Don Johnsson, Cedar Rapids
13. Wendy Carnahan, Cedar Rapids
14. Ron Fisher, Shellsburg
15. Roland Bohnsack, Clutier
16. Sonny Parker, Cedar Rapids
17. Jayson Scott, Cedar Rapids
18. Kurt Bohnsack, Iowa City
19. Kevin Franks, Cedar Rapids
1. Max Corporon, Marion
2. Chad Willett, Cedar Rapids
3. Larry Clausen, Cedar Rapids
4. Bob Gase, Cedar Rapids
5. Brian Allen, Hiawatha
6. Landon Cassill, Fairfax
7. Jim Williams, Atkins
8. Tim Plummer, Norway
9. Rodney Rocarek, Cedar Rapids
10. John Baker, Cedar Rapids
11. Darrell Long, Cedar Rapids
12. Jerry Keeney, Cedar Rapids
13. Aric Becker, Cedar Rapids
14. Kyle Hinrichs, Swisher
15. Shawn Stinger, Palo
DNS- Steve Lindell, Marion
1. Scott Wennermark, Cedar Rapids
2. Andy Duggan, Marion
3. Brian Franks, Central City
4. Johnny Mudd, Cedar Rapids
5. Curt Van Der Wal, Oskaloosa
6. Martin Ballard, Marengo
7. Tom Burke, Nevada
8. Craig Bender, Cedar Rapids
9. Mel Schappert, Cedar Rapids
10. Kevin Korsmo, Atkins
11. Bob Ahrendsen, Cedar Rapids
12. Robb Keeney, Cedar Rapids
13. Lyle Williams, Center Point
14. Bob Hosier, Cedar Rapids
15. Gene Peterson, Des Moines
16. John Henecke, Hiawatha
1. Mike Ehde, Prarie Du Chien, WI
2. Jim Ross, Cedar Rapids
3. Johnny Spaw, Cedar Rapids
4. Randy Coghlan, Toddville
5. Billy Bennett, Cedar Rapids
6. Brad Osborn, Janseville
7. Denny Osborn, Janesville
8. Matt Lundberg, Des Moines
9. Lorin Kurth, Waukon
10. Jeff King, Cedar Rapids
11. Brian Gibson, Walford
12. Scott Delsing, Cedar Rapids
13. Chris Sevey, Waterloo
14. JJ Meyer, Cedar Rapids
15. Wade Prasil, Cedar Rapids


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Hiking & Trekking Steady Brook, Newfoundland - My Newfoundland Adventures offers the very best in Day Trips and Newfoundland Family Vacations in Newfoundland CANADA - rafting, kayaking, sightseeing, gros morne national park, hiking, kite surfing, rock climbing, dog sledding


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Rating Change #8
Kensey Nash Corporation (KNSY) has been downgraded by TheStreet Ratings from buy to hold. The company's strengths can be seen in multiple areas, such as its revenue growth, good cash flow from operations and largely solid financial position with reasonable debt levels by most measures. However, as a counter to these strengths, we also find weaknesses including a generally disappointing performance in the stock itself, deteriorating net income and disappointing return on equity.
Highlights from the ratings report include:
- The revenue growth came in higher than the industry average of 6.5%. Since the same quarter one year prior, revenues rose by 18.0%. This growth in revenue does not appear to have trickled down to the company's bottom line, displayed by a decline in earnings per share.
- Net operating cash flow has slightly increased to $7.76 million or 8.02% when compared to the same quarter last year. In addition, KENSEY NASH CORP has also modestly surpassed the industry average cash flow growth rate of 3.78%.
- Despite currently having a low debt-to-equity ratio of 0.33, it is higher than that of the industry average, inferring that management of debt levels may need to be evaluated further. Even though the debt-to-equity ratio shows mixed results, the company's quick ratio of 4.27 is very high and demonstrates very strong liquidity.
- Return on equity has greatly decreased when compared to its ROE from the same quarter one year prior. This is a signal of major weakness within the corporation. Compared to other companies in the Health Care Equipment & Supplies industry and the overall market, KENSEY NASH CORP's return on equity significantly trails that of both the industry average and the S&P 500.
- Despite any intermediate fluctuations, we have only bad news to report on this stock's performance over the last year: it has tumbled by 30.17%, worse than the S&P 500's performance. Consistent with the plunge in the stock price, the company's earnings per share are down 36.58% compared to the year-earlier quarter. Despite the heavy decline in its share price, this stock is still more expensive (when compared to its current earnings) than most other companies in its industry.
Kensey Nash Corporation, a medical device company, engages in the field of regenerative medicine products and technologies to help repair damaged or diseased tissues. The company has a P/E ratio of 247.5, below the average health services industry P/E ratio of 660 and above the S&P 500 P/E ratio of 17.7. Kensey Nash has a market cap of $171.2 million and is part of the health care sector and health services industry. Shares are down 29.3% year to date as of the close of trading on Thursday.You can view the full Kensey Nash Ratings Report or get investment ideas from our investment research center.
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Maximilian J. Riedel Named President Of Riedel Crystal
KUFSTEIN, Austria, Feb. 19, 2013 /PRNewswire/ -- Effective July 1, 2013, a 10th change of generation will take place at glass manufacturer Riedel: Georg J. Riedel will hand over management of Riedel Crystal and its worldwide subsidiaries to his son Maximilian J. Riedel, the 11th generation family member to lead the heritage crystal house.
(Photo: http://photos.prnewswire.com/prnh/20130219/NY62593 )
Father and son have agreed that now is the time to transfer the business to the next generation. Georg J. Riedel, who joined the company in 1973, changed the fine wine drinking culture through his work with leading wine visionaries, including Robert Mondavi, Marcel Guigal, Angelo Gaja and others. Following his appointment to Chief Executive, he led the company to achieve great success, thanks to a keen economic prowess and commitment to innovative design.
Georg J. Riedel acknowledges that "As owner, I will remain associated with the company; I am proud of my son, who has expanded Riedel's North American operations with exceptional success, significantly contributing to the company's growth through his extraordinary talent and creativity." He further reveals that "My daughter Laetizia Riedel-Rothlisberger will assist her brother in her capacity as corporate lawyer and brand ambassador."Of his new position as President, Maximilian J. Riedel says, "I'm proud to follow in the footsteps of my father and build upon his successes. My vision is to strengthen the core European market, to expand our China subsidiary and to open new markets in Latin America within the next three years." For more information on Riedel Crystal, please visit the all-new www.riedel.com. SOURCE Riedel
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Everybody's Perfect Masterpieces - Volume One
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Everybody's Perfect Masterpieces - Volume One edited by Carole L. Bigler and Valery Lloyd-Watts. For solo piano. Graded Standard Repertoire; Masterworks; Piano Collection. Alfred Masterwork Edition. A collection of exciting recital repertoire for early levels of piano performance. Masterwork. SMP Level 2 (Late Elementary). Collection. Standard notation, fingerings and introductory text (does not include words to the songs). 16 pages. Published by Alfred Music (AP.3381).
ISBN 0739000640. With standard notation, fingerings and introductory text (does not include words to the songs). Masterwork. 9x12 inches.
Graded piano recital repertoire in four volumes, edited by Carole Bigler and Valery Lloyd-Watts. Each volume includes a rich selection of the works of the greatest masters from all eras.
This title has selections that range in difficulty from SMP Level 1-2.
About SMP Level 2 (Late Elementary)
5-finger patterns still used but position changes are more frequent including one octave scale passages. Some 3 note chords.
- Allegretto, Op. 117, No. 5 Composed by Cornelius Gurlitt
- Allegretto in D Composed by Cornelius Gurlitt
- Allegro in C Composed by Alexander Reinagle
- Bagatelle in F Composed by Daniel Gottlob Turk
- Bagatelle in G Composed by Daniel Gottlob Turk
- Children's Song Composed by Louis Kohler
- Dance Composed by Cornelius Gurlitt
- Etude in C Composed by Ferdinand Beyer
- Etude in G Composed by Louis Kohler
- Fanfare, Op. 117, No. 8 Composed by Cornelius Gurlitt
- March in C Composed by Daniel Gottlob Turk
- Meldoy, Op. 39, No. 1 Composed by Dmitri Kabalevsky
- Scherzo, Op. 39, No. 12, from "Twenty-Four Pieces" Composed by Dmitri Kabalevsky
- The Shepherd Pipes Composed by Tat'iana Salutrinskaya
- A Song Composed by Anton Diabelli
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Everybody's Perfect Masterpieces - Volume One
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Most Popular
.- Bishop Mario Moronta of Los Teques, Venezuela, said this week the Church in that country is able to continue operating its schools but that to do so requires the support of the government.
As president of the V Session of the Venezuelan Plenary Council, Bishop Moronta reminded participants that the Church is able to greatly collaborate in improving the level of education for Venezuelans.
Nevertheless, he reiterated that the State should provide ways for the Church to serve. "The Church wants to make education available to those who have very little or nothing, and therefore She calls on the State to provide support for her schools," the bishop explained.
Bishop Moronta expressed his hopes that criticism of federal funding for Catholic schools would cease. "Education is not merely the providing of information; it is the formation of the person and his or her socialization in order to live with others in peace, tolerance and democracy."
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.- The president of the Chilean Bishops' Conference, Bishop Alejandro Goic, has said the stereotyped image of the elderly must be changed for one that is more realistic, and that the value of older adults amidst a society that exalts youth must be recovered.
"Beginning with the modern era, youthfulness began to be exalted, a certain form of beauty and of efficacious productivity, provoking a change in the way people look at being old, and in many cases, leading to a form of psychological abuse: the devaluing, marginalization and at times even scorn for the elderly," the bishop said during a seminar for World Elder Abuse Awareness day. During his speech, Bishop Goic denounced the cultural beliefs that "facilitate the mistreatment and abuse of the elderly," such as the idea that being successful means earning money and prestige. "A society made for mass consumption, centered on business profits, leaves out those who are not active consumers," the bishop said.
Likewise, he warned that a society "in which violence occupies a central place in interpersonal relationships," ends up marginalizing the weak: the elderly, women and children.
Bishop Goic emphasized that old age is a natural part of life and is the fruit of the experiences each person, a result of the decisions and steps taken throughout the years.
* The number of messages that can be online is limited. CNA reserves the right to edit messages for content and tone. Comments and opinions expressed by users do not necessarily reflect the opinions or beliefs of CNA. CNA will not publish comments with abusive language, insults or links to other pages