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The deadline for comments on the proposed Volcker Rule was Monday night and hundreds, if not thousands, of letters arrived at the last minute to rail against the rule, mostly from Wall Street. The Volcker Rule — which would prohibit banks from trading with their own money — was proposed last summer by former chairman of the Federal Reserve Paul Volcker, who said in a letter to President Obama that they shouldn't be gambling with money guaranteed by the taxpayers. Big losses by government-backed banks that were trading in risky securities such as mortgage-backed assets precipitated the financial crisis in 2008 and set up the need for federal bailouts of those banks.
The idea behind the rule is simple: Prohibit banks from making "proprietary trades" that are unrelated to traditional banking practices such as making loans and clearing checks. Putting such rules down on paper however is proving to be daunting and giving the banks affected a chance to buy some time.
Volcker's letter to President Obama was three pages long. The rule incorporated into the Dodd-Frank act was 10 pages long. By the time the four regulatory agencies empowered to oversee its implementation — the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve, the Comptroller of the Currency, and the Securities and Exchange Commission (SEC) — got done with it, the Volcker Rule encompassed 298 pages.
The public comment period started when the FDIC signed onto the bill on October 11, and ended Monday, February 13 at midnight. The draft offered for comment contained 1,300 questions on 400 topics so that the agencies would be able to "discern" the right, proper, and appropriate course of action to take with the final draft. Implementation of the Volcker Rule is scheduled for July. This gave the banks a perfect opportunity to delay the whole process by complaining among other things that the bill is far too complicated for the banks to be able to comply by then.
As of Monday the SEC had already received over 14,000 letters, at least one of them 365 pages long. Some attempted to respond to all 1,300 questions with answers of their own while others posed new questions and offered significant revisions to the bill's language.
But that was Monday. By midnight another 200 letters from the primary target of the bill—Wall Street banks and investment houses—were expected. Lawyers representing Goldman Sachs, Morgan Stanley, and Citigroup as well as the trade group itself, the Securities Industry and Financial Markets Association (SIFMA), spent the weekend holed up in hotels in downtown Manhattan cranking out long and detailed responses to the proposed bill.
The strategy is clear: Delay the matter until after the elections when the entire game could change, including the need to reintroduce the legislation for congressional and presidential review, probably with many new faces perhaps more favorable to tabling the matter altogether. Dennis Kelleher, president of Better Markets, a nonprofit pro-regulation group, said, "It's part of their ongoing strategy—if you can't kill the


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How to cook the perfect spaghetti carbonara. A dish whose principal ingredients are eggs and bacon was always going to be a shoo-in for the British palate: certainly spaghetti carbonara was a regular in my dad's repertoire when pesto was only a glint in a supermarket buyer's eye.
As with so many Italian foodstuffs, it has a disputed history, although most people accept that carbonara probably originated in, or near Rome. It's apparently named after the carbonai, or charcoal burners, allegedly because it was a favourite of these grimy men who spent months deep in the Apennines, relying on foodstuffs that could be easily transported, stored and then prepared over a fire.
Sophia Loren claims to have happened upon a group of these lucky fellows while filming Two Women in the mountains in the late fifties – who obligingly cooked her a slap-up carbonara lunch. Essential Weeknight Recipe: Quick Tomato Sauce with Pasta. Speaking of spices, I really like the flavor of smoked paprika in this dish.
But that's me. I've also been known to throw in a teaspoon of chili powder for a Southwestern spin. Which is maybe a little weird, but I think it's tasty all the same. Hugh Fearnley-Whittingstall. Let's face it, you might as well be in the kitchen.
The biting cold and flint grey skies are not good for much – except maybe a 10-minute constitutional to bring on a raging appetite for something savoury and comforting. Or perhaps motivate you to teach yourself a new skill from which you can reap the heartiest of rewards. If you've never made your own pasta before, perhaps now's the time to start. I realise there are quite enough noisy chefs out there waving the Italian flag, and you really don't need me to join the olive oil-gargling, bunched fingertip-kissing, mamma mia-shouting throng. But I do make my own pasta once in a while. Lunch. The vibrant and hustling streets of Tel Aviv are flooded with falafel stands.
They usually open up shop around noon for the on-the-go lunch crowd and stay open late, catering to the energetic night owls looking for cheap grub. My father was born and raised in Tel Aviv and remembers going to the neighborhood cart and ordering the only thing they had: basic fried chickpea fritters, served in a white flour pita and topped with tahini, and maybe some chopped salad — if you were lucky. Today's falafel options are endless. Storefronts offer organic varieties, whole wheat pita options, different flavors, colors, and extensive all-you-can-eat salad bars.

subset: commoncrawl


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Running on Empty
On June 9, 2008, Lake Delton disappeared, leaving businesses badly bruised and a billion-dollar tourism industry in flux. A year later, the water has returned, a hopeful sign that the Wisconsin Dells is back in action.
After a turbulent year, Kathy and Steve Zowin of Lake Delton Watersports are still in business PHOTO by Peter F. Castro
(page 1 of 2)
The rain is unbelievable. For two days it pours, the sky opening its belly and shedding its burden like a theatrical set, some cosmic stagehand yanking rope after rope and releasing buckets of water below. In thirty years of boat rentals and sales,
Kathy and Steve Zowin have never seen the lake this high. It's a small body of water, and not very deep, so in a particularly wet or dry year they've seen it fluctuate as much as two or three inches, but never anything like this. They spend all of Sunday racing to stay ahead of the flooding, Steve and a couple of the guys from the shop pulling boats out, picking debris, watching the waters rise. Kathy and Steve can't sleep that night so they go for a drive to the other side of Lake Delton. Around two a.m. they stop on Highway A where the police have it closed off, watch the water streaming across the road and the hundred or so people sandbagging the dam. The water just keeps on rising.
At seven the next morning Kathy, a member of the Sauk County Land Conservation Committee, takes a meeting at the nearby Mirror Lake dam, a seventy-year-old structure that's holding its own for now but is a source of concern—if it fails it will force all of Mirror Lake through the already swollen Dell Creek and into Lake Delton, where they're worried about the Delton dam, the one they were sandbagging a few hours earlier. Plus, for Steve and Kathy, that small channel where Dell Creek feeds Lake Delton, right below the tiny Adams Street bridge, is where the water sports business they've been running for three decades sits. Right next door to their home.
What is normally a small feeder creek already looks to Steve's trained eye like Class 5 rapids. After the meeting, Kathy rushes back to tell Steve the strange thing the committee chair Joe Van Berkel told her. "Joe said, 'I don't think the dam's gonna be a problem,'" Kathy tells her husband. "But, he said, 'I think you're gonna lose your lake.' He said, 'I think it's gonna go right out through County A.'"
An Ill-Fated Rescue
Steve doesn't have the luxury right now of letting Joe's prophecy register; this is a time for action. Besides, he tells himself, it doesn't make any sense. For two days they've been concentrating on their end of Lake Delton, the Mirror Lake side, not the Highway A side, and they've been preparing for a flood not the opposite, not losing the lake, no way. The water is rising, not dropping. He tunes out the thoughts and gives in to his body, works the motions it's known since boyhood, focuses on the lake he knows as well as he knows himself.
Kathy goes back in to man the phones at the store, and Steve and his son, Steve Jr., slide back into the lake. But somewhere around ten a.m. the whole lake starts dropping, like somebody pulled the plug out of a 267-acre bathtub. The phone in Steve's pocket shrieks and it's Kathy back at the shop, telling him the police dispatcher has called about a problem on the lake, the one they both already know is happening. The cops order everyone off but they let Steve and his son stay because those guys know what they're doing better than anyone, and they keep working desperately to save as many boats as possible. They go after them, tie them up, tow them to safety and stack them like sardines on the shore, go back in for more.
Steve focuses hard on the bizarre task at hand, and tries not to think about the business he's breathed and bled for three decades. He tries not to think about his house. He barely registers the rush of debris in his wake, the pontoon flipped and crushed against the bridge, the staccato drumbeat of his heart.
He and Steve Jr. press on and on as the water drops an inch and a half per minute, until they're scraping the bottom of what was once the middle of Lake Delton and they can no longer force their boat back toward home. They abandon it, climb out, and walk the block or two back in a daze, shell-shocked—because three hours after Kathy's land conservation meeting, Joe Van Berkel's prediction comes true.
The Making of Boom Town
"Timme's Dam" is actually what Kathy Zowin calls the dam at Mirror Lake, named for the family who operated it from 1893 to 1925, when Sauk County bought and repaired it. The area of Lake Delton and Wisconsin Dells (usually lumped together in the mind of the public) is a small community where everybody knows everybody, and where it almost always comes down to family names.
Glacial flooding was the original architect of the area, and for a long while the Dells was famous mostly for its stunning rock formations along the Wisconsin River. But in the twentieth century, people took over the job. Boat rides (including steamboats and rowboats), the Stand Rock Indian Ceremonial and the Original Wisconsin Ducks were the main attractions until 1951, when Tommy Bartlett and his water-ski show came to town.
In 1979, the Waterman family built Noah's Ark, and the Dells cemented its status as a bona fide tourist destination. In 1994 the Polynesian Resort Hotel put a roof over its water attraction to become the first indoor water park in the country. From then on a friendly but wildly competitive game of one-upmanship began in earnest, particularly among a number of guys who went to high school together in the '70s.
Meanwhile, smaller proprietors grappled for their share, and today the town sort of resembles a cobbled bed of painted seashells pocking the natural landscape. The businesses seem dropped in waves by the decade, radiating outward from the downtown river district strip and butting up against the shore of I-94 where the monster indoor water park resorts now reign, kings of the sea.
The Wisconsin Dells population sign on the edge of town says 2,481, and yet according to a 2007 economic impact report, the area provided 23,911 jobs that year. It's big, big business. But for all the money in the Dells, it's still small-town Wisconsin. Everybody knows each other at the grocery store, their kids play together at school, and when disaster strikes, it takes only a couple of phone calls to get a hundred people sandbagging in the middle of the night.
Part of it is good old-fashioned neighboring, but here in the Dells there's more at stake: This town is a product. The entire place sinks or swims as one, and everybody knows it. Of the more than five hundred businesses, only about twenty-five rim Lake Delton, and yet the entire community was profoundly impacted by the breach—from a tourism standpoint. If you watched the news at all last summer, from the local stations all the way up to CNN, you would have thought the whole town had shuttered.


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Kleiner Perkins said it would invest up to $20 million in social messaging app Snapchat, valuing the company at nearly $10 billion, Dow Jones reported Tuesday, citing sources. According to the report, Snapchat said it now has 100 million monthly active users, nearly half that of Twitter. Snapchat, a smartphone app that allows users to share self-destructing images, has become popular among teenagers in the U.S. and its currently one of Apple iTunes' top 10 free apps. [CNBC]
Posted in:
Mark Zuckerberg Out Of Money To Buy Dick-Pic Messaging Service
By Bess LevinAlso, he got a deal on WhatsApp, for which he's got a 5 year plan. Read more »


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With the support and marketing employees are reliable and professional, PT Lippo General Insurance Tbk is always ready to serve customers spread across the country with a variety of products that we offer. A fast growing General Insurance with supported by strong capital base is looking for qualified candidates with very strong analytical thinking, result oriented, innovative and good interpersonal skills to fulfill challenging position as :
Client Advisor (30 People)
- Client Advisor is responsible for the professional who offer financial protection products / insurance and building good relationships with clients.
- Male / Female, age 20-30 years old
- Education SMA/SMK/D3
- Preferably have experience in sales and marketing
- Neat and attractive and have good communication skills
- Having a relationship / network wide
- Open for 30 people to fill these positions
- Work placement in Jakarta and Tangerang
- Basic Allowance per month
- Unlimited income
- Career opportunity that is open wide
- Training programs are certified
email: firstname.lastname@example.com


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ERW Airless Bicycle Tires: Never Get A Flat Again
Anyone who's gotten a flat tire on their bike before knows how painful it can be to change it out. However, if you're running runflat tires, this won't be a problem, since your tire won't have any innertube or air chamber at all.
This airless bicycle tire concept is by Colorado-based designer Brian Russell. The tire would eliminate the need for air, preventing punctures, tube replacement, and pressure checks. The Energy Return Wheel (or ERW) uses rubber that's stretched over a series of carbon nanotube-reinforced composite rods to provide cushioning. These rods can be adjusted to change the tension in the tire to suit different terrain.
While it won't be suited to all terrains, it should work pretty well in most situations.
For now it's just a prototype, but I have no doubt that this, or something very similar will be made someday.
[via designboom]
MORE:Future Tech | Strange + Wonderful | airless | bicycle | concept | runflat | tire
Comments (2):
So I can't purchase a set of these tire's for my
bicycle at this time then?
Do you have these for road bikes? Do they require a certain type of rim? Want 'em now!


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This year has been exceptionally good for fishing in Campbell River and Quadra Island, and it's not over yet. There's still lots of Pink salmon out there and the Chum are on their way. For the latest, check out Dwayne's report below.
This year seems to have no end of happy surprises for the anglers of Campbell River. First was the excellent early season Chinook fishing at the Hump and the Lighthouse, then in June we saw an influx of Coho like this area hasn't seen for twenty years. After that was the incredible migration of Pink Salmon destined for the Fraser River that even now sees bag limits for every angler that wants to try.
And now the big Northern Coho are starting to show in significant numbers. Up at Painter's Lodge the guides are reporting spirited scraps with fish in the 15 pound range and while most of the fish are wild and therefore have to be released, there is the occasional hatchery Coho in the mix. Spoons, hoochies, plugs, bottle caps – Coho are such voracious feeders that they will hit anything – you can even rediscover your old school mooching techniques if you have any medium sized herring just laying around.
Another nice surprise is that the Chum Salmon are already starting to show up. Those in the know are well aware that the Chum is the perfect fish for smoking, especially if you like candied salmon. And they put up a wicked fight too. So, if you head out to Separation Head you may well hook into one of these beasties. In fact, dropping a pink hoochie down to 70 feet this time of year might hook any one of the five Pacific salmon species. It is always good fun to see if you can catch the grand slam of one each – Chinook, Coho, Chum, Pink, and Sockeye – just make sure that you are up on your species identification and catch restrictions before you bash one on the head!
Until next week,
Tight lines and keep on fishin'


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Policy: Fair, Responsible and Acceptable Computer Use Dept. Responsible: Information Technology Effective Date: March 1, 2010 Revised Date: December 20, 2009
Information technology is a powerful tool in advancing the mission of the University. Common sense and mutual respect underlie all rights, privileges and responsibilities of those who utilize these technologies. It is the intent of the University that the community shares these resources in creative and exciting ways in advancing our goals. Inappropriate use can result in the loss of the privilege of accessing Butler Systems or data. It can also lead to disciplinary action, potential termination or legal action. The purpose of this policy is to outline what constitutes fair and acceptable use of computer technologies at Butler University.
This policy applies to all users of Butler University's computer and voice systems (hereafter referred to as "Butler Systems"): This includes all computer systems, Butler provided devices, data storage, related communication technologies, and information transmitted or maintained on these technologies.
1) Fair & appropriate use:
2) Inappropriate use:
The oversight of this policy is the responsibility of the CIO, and should be reviewed annually.
Computer Use Master Policy
Privacy of Personally Created Content
Employee Code of Responsibility for Security & Confidentiality of Information
Identity Theft Information - Storage, Disposal, Breach & Red Flags
Federal HIPAA (Health Insurance Portability and Accountability Act)
Federal FERPA (Family Educational Rights and Privacy Act) see Student Handbook
Approved by the Board of Trustees: February 26, 2010 Approved by Sr. Administrative Group: January 19, 2010 Approved by the Information Management Council: December 20, 2009 Created 12/20/2009 as complete rewrite from Computer Use Policy, June 2002


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Herington Disc Golf Course
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Year Established:
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Picturesque; set among 100 year old oaks, with 5 elevated tees, water hazards, and ample OB. Short but challenging.
Course Details
# Holes: 9
Target Type: Chainstar
Tee Type: Grass
Course Length: 2,500ft
Alternate Length: 0ft
Hole Length: Under 300ft: 3 | 300 - 400ft: 6 | Over 400ft: 0
At Hwy 77 & 56 junction, go west on Trapp to Broadway, north 10 blocks to swimming pool.
First Tee:
(-96.945067,38.6751 )
Contact Name: Dennis Vahsholtz
Contact Phone #1: 785-258-2494
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September 2012 Issue 3 Volume 3 › Practice › The dangers of faecal incontinence in the at-risk patient
The dangers of faecal incontinence in the at-risk patient
01/09/12 | Complex wounds, Skin integrity, Wellbeing and concordance | Janice Bianchi, Teresa Segovia-Gómez
- Bliss DZ, Zehrer C, Savik K, Thayer D, Smith G (2006) Incontinence associated skin damage in nursing home residents: a secondary analysis of a prospective multicenter study. Ostomy Wound Management .52;12: 46-55
- All Wales Guidelines for Faecal Management Systems, 2010 http://welshwoundnetwork.org/dmdocuments/all_wales-faecal_systems.pdf
- Bliss DZ, Johnson S, Savik K, Calbots CR, Gerding DN (2000) Faecal incontinence in hospitalised patients who are acutely ill. Nurse Res 49;2:101-108
- Bayon Garcia C, Binks R, De Luca E, Dierkes C, Franci A, Gallart E, Niederalt G, Wyncoll D (2012) Prevalence, management and clinical challenges associated with acute faecal incontinence in the ICU and critical care settings: The FIRSTTM cross sectional descriptive study. Intensive Critical Care Nursing. Feb 29( Epub ahead of print)
- Borrie MJ, Davidson HA (1992) Incontinence in institutions: cost and contributing factors. CMAJ 1:147:3;322-328
- Bale S, Tebble N, Jones V, Price P (2004) The benefits of implementing a new skin care protocol in nursing homes. Journal of Wound Care 14;2:44-50
- Nix DH (2002) Validity and reliability of the Perineal Assessment Tool . Ostomy Wound Management 48;2:43-49
- Driver DS (2007) Perineal dermatitis in critical care patients. Critical Care Nurse 27;4:42-46
- Gray M (2004) Preventing and managing perineal dermatitis: a shared goal for wound and continence care. Journal of Wound Ostomy and Continence Nursing. 31;(1 suppl):S2-S9
- Fleur M World wide wounds http://www.worldwidewounds.com/2009/September/Flour/vulnerable-skin-1.html
- Beeckman D, Schoonhoven I, Verhage S, Heyneman A, Defloor T (2009) Prevention and treatment of incontinence-associated dermatitis: literature review. J Adv Nursing 65:6;1141-1154
- Gray M, Ratliff C, Donovan A (2002) Perineal skin care for the incontinent patient. Advanced Skin and Wound Care 15;4:170-178
- Allman RM, Goode PS, Burst N, Bartolucci AA, Thomas DR (1999) Pressure ulcers hospital complications and disease severity: imact on hospital costs and length of stay. Adv Wound Care 12;1:22-30
- Ousey K (2012) The Identification and Management of Moisture Lesions Wounds UK 8:2 s3
- Bianchi J (2012) Top tips on avoidance of Incontinence Associated Dermatitis. In: The Identification and Management of Moisture Lesions Wounds UK 8:2 s6-s8
- Bianchi J, Johnstone A (2011) Moisture Related Skin Excoriation: a retrospective review of assessment and management across 5 Glasgow hospitals. EPUAP meeting Oporto
- Gray M, Bliss DZ, Doughty DB, Ermer-Seltun J, Kennedy-Evans KL, Palmer MH (2007) Incontinence -associated Dermatitis: A Consensus. Journal of Ostomy and Continence Nursng. 34;1:45-54
- Durnal A, Kommala D, Chen Y (2009) Budget impact of adopting a faecal management system in a hospital intensive care unit: A single centre experience. ConvaTec Ltd
- NHS Midlands and East (2011) Pressure Ulcers. www.stopthepressure.com
- Declaration of Rio 2011 Available at: http://silauhe.org/img/Declaracion%20de%20Rio%20-%20Ingles.pdf
- Benoit RA, Watts C (2007) The effect of a pressure ulcer prevention programme and the bowel management system in reducing pressure ulcer prevalence in an ICU setting. J Wound Ostomy Continence Nurse 34:163-175
- Beldon P (2012) The latest advances in skin protection. In: The Identification and Management of Moisture Lesions Wounds UK 8:2 s6-s8
- Jones S, Towers V, Welsby S, Wishin J, Bowler P. Clostridium difficile Containment Properties of a Fecal Management System: An In Vitro Investigation. 2011; Ostomy Wound Manage 57: 38-49 24. Kennedy KI, Lutz I (1996) Comparison of the efficacy and cost-effectiveness of three skin protectants in the management of incontinence dermatitis. In: Proceedings of the European Conference on Advances in Wound Management. Amsterdam


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1. Fats, Oils & Grease Disposal
Fat-free drains. There is FOG in the sewers --but it's not that misty stuff that fills the air. The term "FOG" stands for fats, oils and grease. Originating in our kitchens, it clogs sanitary sewer systems across Hampton Roads and is a harmful threat to the environment. When poured or washed down the drain, FOG builds up on pipe walls, restricting the flow of wastewater exiting our home's plumbling. Over time, FOG leads to blockages that result in overflows into our homes or onto our streets, Read more...
Tags: Fats Oils & Grease Disposal, Food Service Establishments, Food Waste Disposal
3. Fat Free Holidays in Hampton
Thanks to the City of Hampton's Public Works Department, visitors to the Hampton Main Library are in for a real treat with this "Grease Can Christmas Tree." The ornaments are actually reusable lids that will fit on top of any soup or vegetable can. Simply pour your leftover cooking grease into the can, top it with the lid, and store it in the fridge to let it harden. When the can is full, toss it in the trash and reuse the lid for another day. It's the gift that keeps on giving and it's yours Read more...
Tags: cooking grease, Food Waste Disposal, grease can, grease disposal, green home
6. Why Do We Put Poop In Little Plastic Baggies?
Our Neighbors like us too. It makes our dog feel important It keeps the poop from being washed into our storm drains. Select them all and that is "two paws up" for you! But there is another important reason to pick up after your pet: water. When pet waste is left behind, it washes into storm drains and ditches. From there, it heads straight into our local waterways. No filters no cleaning…swimming anyone? Help protect our water quality... Remember stoop, scoop and drop those little baggi Read more...
Tags: clean water, Environmental-friendly, pets, Storm Water, waterways
7. It Takes a Community to Drain a Street &
During heavy rain events, Hampton Roads takes a beating, especially since we are barely above sea level. But there are steps you can take to make a difference in your community to keep the storm water flowing. Dispose of leaves and yard waste properly. Leaves and yard waste may be recycled by placing the debris in clear plastic bags for disposal during your regularly scheduled trash day or through composting. Place litter, trash and debris in closed trash cans and recptacles. Trash that is not Read more...
Tags: drains, Environmental-friendly, Hampton Roads Green, household tips, leaves, Storm Water, trash, waterways, yard waste
8. Help Us Spread the Word – FREE Pet Waste Stations Available in Hampton Roads
Don't let your neighborhood go to the dogs! Hampton Roads residents can now apply for a free pet waste station through a new grant program offered by askHRgreen.org. Geared toward property managers, neighborhood associations, and community groups that are committed to making scooping the poop a priority, the grants will be awarded on a first-come, first-served basis. Applicants may apply online. For those who qualify, askHRgreen.org will provide a free pet waste station, which comes read Read more...
Tags: grant, pet waste, pet waste station, pet waste station grant program, prevent water pollution, Scoop the Poop, Stormwater Runoff, water pollution
9. April Showers…
…Fill Up Rain Barrels! That's right! Spring is the perfect time of year to stop thinking about it and do it! Get a move on installing that rain barrel! Collecting rain water during the spring rains and summer storms can help offset the needs of your thirsty summer garden or lawn. Use your new source of water to wash your dog, your car, your muddy boots, and your hair. It's great for a quick, easy fill-up of the kids' water guns during the hot summer months. Your plants prefer it be Read more...
Tags: askHRgreen.org, Environmental-friendly, Gardening, Going Green, green home, green living, Lawn & Garden Care, Storm Water, stromwater, use water wisely, water conservation
10. Are You About to Blow It with Fallen Leaves?
Autumn leaves are lovely to look at as they paint Hampton Roads in golden shades of orange, yellow and red. But once these leaves start drifting to the ground, we all know what a mess will be left behind. If you've been blowing those annoying leaves into the street and down the storm drain for years – you've blown it! Leaves should never be blown or raked into storm drains. When leaves enter storm drains, they clog the pipes and cause street flooding. And if they aren't removed, Read more...


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Grand Canyon University takes a proactive approach to supporting faculty and students so that academic work is original. The Turnitin resource allows both students and instructors to check written work to make sure it is of the highest integrity when it comes to the originality of text. GCU sees Turnitin as a support tool to better assist students as they learn about proper citation and giving credit to others while the student crafts their own thoughts into written form. By checking the originality of text, students and instructors can work together to improve the student's work and limit the dangers of plagiarism.
All GCU faculty are encouraged to utilize the Turnitin tool as a preliminary resource before grading student papers.
Citation and Quotation Tips
Speak with a live representative and have your question answered now!
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Home Congregations About Us Bookstore Press Room Giving
Page Navigation
In "Harvest the Power," a Tapestry of Faith program
For now we see in a mirror, dimly, but then we will see face to face. Now I know only in part; then I will know fully, even as I have been fully known. — Christian scripture, I Corinthians 13:12
Take your timeline home to share with family members or friends. Invite others to identify their own turning points or moments of grace. Find a way to celebrate how those moments have helped make you the person you are.
Consider with others how leaders might work to ensure the congregation asks "Are we doing right things?" along with "Are we doing things right?" Entrust a volunteer or two from your group to write a newsletter piece explaining turning points and moments of grace. Create a forum for others to respond with their own turning point stories.
Find Out More
You may wish to add resources that informed this workshop to your congregation's leadership library:
Beldon, Kenneth, editor, Wrestling with Adulthood: Unitarian Universalist Men Talk About Growing Up ( Boston , Skinner House Books, 2008)
Heifetz, Ronald A., Leadership Without Easy Answers (Cambridge, MA: The Belknap Press of Harvard University Press, 1994)
Hochswender, Woody, Greg Martin and Ted Morino, The Buddha in Your Mirror: Practical Buddhism and the Search for Self (Middleway Press, 2001)
The Unitarian Universalist Service Committee's partnership model for social justice work.
For more information contact web @ uua.org.
This work is made possible by the generosity of individual donors and congregations. Please consider making a donation today.
Last updated on Saturday, October 29, 2011.
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Learn more about the Beliefs & Principles of Unitarian Universalism, or read our online magazine, UU World, for features on today's Unitarian Universalists. Visit an online UU church, or find a congregation near you.


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In 2004, G.H. Bass sold it's operation to an out of state company, ceasing all production, shipping and warehousing from the Wilton and Jay, Maine facilities. Steve Barker, whose entire adolescent and adult life up until then was spent as an employee for the company, most recently as the manager of facilities, found himself without a job along with over 200 other employees. Steve's ambitious and positive attitude prompted him to purchase one of the Bass warehouses located on 67 East Dixfield Road. His goal was to remain in the community and to build a business "for and with" the community. His main focus was on reducing, reusing and recycling. He first opened "North Jay Redemption Center" and "J and I Indoor Yard Sale" soon followed. Most recently, Steve has set his sights on another mode of recycling. He has become a distributor of alternative heating sources in the form of wood pellets. SIB Enterprise Wood Pellet Warehouse is proud to offer premium hardwood and softwood pellets as a means of alternative heating. The prices are very competitive and you will find the sales and service to be of the utmost professionalism. Steve Barker is building a solid reputation as the most trusted business for this area and is committed to providing quality service to the community. He and his son James can be seen on the road daily as they deliver pellets state-wide.
$229 per ton & $5.00 bag for MWP hardwood
H.J. Crabbe & Sons 100% Softwood Pellets
$269 per ton & $6.00 bag
**Cash Prices on delivery
** Prices are subject to change and do not include a drop charge **
Call today to secure your order
If you would like to place an order, you may send us a request on our "Contact Us Page" and we will get back to you with a convenient delivery date, or call James at (207) 645-3064


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I took some pictures of my potted Lovage in its second growing season. I sowed this lovage at July 2012. I don't have the pictures of the first growing season because I didn't have a camera back then. The plant never got big; it grew a foot tall before the winter dormancy set in (October). It exited its dormancy at late February when the red tip raised from the ground, but it took some time until leaves merged. By my best guess, it's about three times bigger than its first growing season's peak, already. And it's still growing. Between first and last picture, the duration is 38 days. If you don't know what is a lovage, its leaves taste like celery so I like to use these leaves in soups and salads. I've read a lovage pesto recipe somewhere someone made so I'd like to try that someday. It's also said around here, they're not ideal for the containers. I gave it a shot and it's doing well so far. I'll update this thread with new pictures until dormancy sets (or something unexpected happens to it.) |
Follow-Up Postings:
- Posted by fatamorgana 5/6 (My Page) on Mon, Apr 22, 13 at 16:22
Very nice. It is always so useful for gardeners (especially new ones) to see the young foliage as it sprouts and changes it appearance. Thanks for sharing! FataMorgana |
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About | Projects | Docs | Forums | Lists | Bugs | Get Gentoo! | Support | Planet | Wiki
Kumba wrote: > Re-run binutils-config manually, as this will fix the ldscripts bug, and > then source /etc/profile. Binutils-config doesn't do this > automatically, so it's caught a few people off guard. Any special parameters to do this? I've already done this (as this was mentioned in bug 171486) and did it now again. As I have only one version of binutils I just added the "--mips" parameter. It finished without error. I still get this error after compiling the kernel: http://bugs.gentoo.org/show_bug.cgi?id=171486#c7 ... UPD include/linux/compile.h CC init/version.o LD init/built-in.o LD vmlinux lib/lib.a: could not read symbols: Archive has no index; run ranlib to add one I still have to check the NESTED EXCEPTION bug... -- Mathias Weigt -- firstname.lastname@example.com mailing list
Updated Jun 17, 2009
Summary: Archive of the gentoo-mips mailing list.
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Healthy recipes
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Each of the following links will take you to a specific set of recipes with a single theme. Bon appetit!
Eating for energy
- Energizers
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Ten-minute meals
To cook or not to cook? If you don't have time to cook a big dinner, try out these recipes for meals that can be prepared in 10 minutes or less. If that is still too long, check out our tips for eating right if you have to get carry out.
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One dish meals
Formerly the casserole, one dish meals have been updated to meet the needs of today's hectic time schedules. One dish options range from skillet stir-fries to the traditional baking dish or Dutch oven. Add a fresh salad and you have created your own super simple gourmet meal.
Pasta fits today's busy lifestyles. It is quick to cook, low fat, inexpensive, and can be served with an almost endless variety of toppings and fillings. From cold pasta salads to warm main dishes, pasta helps satisfy our need for healthy and nutritious meals.
The salad vernacular
From the simplest combination of fresh greens to main dish entrees, salads provide a special flare to our meal time fare. Salad no longer implies a mound of lettuce. Tossed salad seems a bland reflection to our salads of today. With hundreds of items in the produce section, the beginnings of salad are vast, exciting and often unpredictable.
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The "bare bone" facts for avoiding osteoporosis; includes recipes.
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These recipes are designed for anyone who eats alone, at least some of the time. Whether you live alone or in the midst of a busy household with time demands, these recipes are designed to provide healthy solutions for quick meals
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Recipes and facts about carbohydrates.
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Select () or exclude () categories to narrow your recipe search.
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Find exactly what you're looking for with the web's most powerful recipe filtering tool.
I love Spa Water! Have been collecting recipes and researching the benefits of water/hydration for my new Book "Spa Water" (released in Sept 2010) for 3 years now.


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To obtain project documents please contact the World Bank's Infoshopat tel: 202-458-5454, fax: 202-522-1500, email: Enquiries
WASHINGTON, June 24, 1999 The World Bank's Board of Executive Directors today approved a three-component, $160 million project designed to benefit almost 1.7 million of the poorest people in China, but, in an unusual move, agreed that no work be done and no funds be disbursed for the $40 million Qinghai component of the project until the Board decides on the results of any review by the independent Inspection Panel. .
The Inspection Panel is a three-member, fact-finding body created by the Board of Executive Directors of the World Bank in 1993 to provide an independent forum to private citizens who believe that their rights or interests have been or could be directly harmed by a project financed by the Bank because of lack of compliance with the Bank's policies and procedures in design, appraisal or implementation. Affected people may bring their concerns to the attention of the Panel by filing a Request for Inspection.
The outcome was supported by the Chinese government and a majority of Board members representing the Bank's 182 member governments. The Chinese government notified directors that it will facilitate visits to the project site by diplomats, government officials, members of parliaments and the media, before, during and after implementation of the component, "any time at their convenience. The visitors are welcome to have extensive contacts with the local people, unattended by Chinese officials," the statement said.
The Inspection Panel review, which was requested by two non-government organizations, will look at ways to strengthen and improve the project, and ensure that the Bank has complied with its own rules and operating procedures. The review will focus on the component in Qinghai Province, which has been criticized by environmental and Tibetan groups.
The Western Poverty Reduction Project focuses on Inner Mongolia Autonomous Region ($50m cost, benefiting 674,000 people), Gansu ($70m cost, benefiting 930,000 people) and Qinghai ($40m cost, benefiting 57,750 people who are moving out, 110,000 people who are staying, and 4000 people in and around the host area). The project provides significant health, education, employment and farming benefits to people in remote and inaccessible villages. They now have incomes between about $25 and $60 a year.
The project would give households in the three areas the opportunity to increase their incomes and, in some of the most desperate cases, to move from dependence on food subsidies and government handouts to a level where food supplies are predictable and secure. It follows 31 other poverty-oriented projects in China. The Bank has lent $680 million of a total of $1.3 billion in such projects, for the benefit of 6.3 million people. The partnership between China and the World Bank has already had a measurable impact, and has helped to achieve significant results in China as a whole, with the number of people living in poverty being reduced from 280 million to 80 million in the past decade.
A History of Poverty Reduction
The World Bank and China have long shared the goal of alleviating chronic poverty in remote areas. In 1994 China launched a program to reduce poverty in 592 designated counties in inaccessible mountainous and semi-arid areas in the central and western parts of China. The 1994 program aims to raise the living standards of about 80 million people now living in abject poverty. This goal is affirmed in the latest Country Assistance Strategy prepared by China and the World Bank, and has been at the heart of World Bank-China relations for many years.
Consistent with this longstanding goal, the World Bank is contributing a total of $160 million to the $311 million Western Poverty Reduction Project - $100 million in concessional funds from its International Development Association, and $60 million from the IBRD (International Bank for Reconstruction and Development). The money will help to support farmers by providing seeds, fertilizers, and forestry development; irrigation and land improvement; construction of basic roads ; provision of drinking water (some people have to walk up to four hours for water now); basic health and education services; and credit to non-state rural enterprises.
The World Bank President and Chairman of the Board of Executive Directors, Mr. James D. Wolfensohn, said "This has been a particularly grueling project for all of us, in view of the criticisms that have been leveled at the Bank with regard to the handling of environmental and minority issues in China. I am very happy that the government of China and the Bank have agreed that the Inspection Panel should be given a full opportunity to examine this controversial component.
"I believe that an independent review by the Inspection Panel allowing for full and complete exploration of all issues is the appropriate way to deal with this problem. The fact that this component of the project will not start, nor will any monies be drawn for it until the results are known, should allow critics and supporters alike the space and time for full and open consideration of all issues.
"I believe that we have a dedicated and extraordinarily competent staff. We must support and encourage their efforts at the same time that we must be responsive to the welcome comments and criticisms from civil society and others interested in our activities and the achievement of our shared objectives."
The Regional Vice President for East Asia and the Pacific, Mr. Jean-Michel Severino, said "the Western Poverty Reduction Project aims to help poor people have a better life. In Inner Mongolia and Gansu, we are able to do that by assisting them to grow more food and earn more income where they are. In Qinghai, that option does not exist, and the project will enable us to move a proportion of the many people who want to leave their present, unsustainable way of life, and start afresh on farms in what is now a barren desert area. We know of no alternative for these people, and to stay would mean continued malnourishment, even starvation."
Mr. Severino said "The project has been prepared with a view to ensuring that the lives of ethnic minorities in the areas will be better as a result of the project. The project provides special schools and health services for minorities, as well as a guarantee of continued autonomy for Tibetans and Mongols in Haixi prefecture. The project component in Qinghai already provide careful monitoring of environmental impacts at both the area people are leaving and the area to which they are moving."
The project is expected to take six years to complete. The Qinghai component, which involves the voluntary move of 57,750 farmers from heavily eroded hillsides in the east of the province, will begin with a small pilot phase if the government proceeds to implementation after the Inspection Panel review. The pilot phase will involve only about 200 households and will allow close monitoring to ensure that the environmental issues, irrigation systems and health and education services achieve their stated goals before any further investment is made in the project. The pilot phase will also allow an opportunity to establish a basis that the overall status of the ethnic groups is protected and preserved in the new shared surroundings.
Chinese Government's Assurances
The government said that "we are in favor of transparency. Transparency brings to light facts and scorches rumors."
Further information on the project can be found at the World Bank's website at: http://www.worldbank.org/html/extdr/offrep/eap/projects/china/wprp/chindex.htm.
Further information on the Inspection Panel can be found at:http://www.worldbank.org/html/ins-panel/


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We're still a bit iffy about the whole Android gaming console concept but (check out our review of the OUYA) but apparently Huawei thinks it's an area worth looking at. Its Tron mini-console, showed off at CES 2014, seems quite compelling.
The OUYA Competitor
Running on a skinned version of Android Jelly Bean version 4.2.3, the Tron mini-console consists of a cylindrical hub and a Bluetooth controller that looks like it took a couple of design pointers from the Xbox 360's. Despite the movie inspired name, we don't see anything from the design that looks anything Tron-like. It would have been nice if there were some flashing blue neon lighting on it. Or maybe it wouldn't.
It's kitted out with some decent specs too. Powered by the Tegra 4 chipset, the Tron has 2GB of RAM and will come in 16 and 32GB configurations. Don't worry about saving space on it though: you'll be able to buff up to 64GB via a microSD slot located at the base of the console. There are also the usual suspects like Ethernet support, Bluetooth, USB 3.0 and Wi-Fi. 4K video playback is also going to be possible.
Huawei hasn't mentioned anything about pricing yet but we wouldn't expect it to top the US$99 price tag of the OUYA. It's going to be a China-only release in the second quarter of this year, but Huawei did mention that they do have plans for market expansion.
Source: Engadget
CES 2014 - the biggest news, live from Las Vegas
2014 CES Hot Stuff Awards - the 10 best launches from the show


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John Barton, American Folklife Center (AFC), developed the project plan and managed the production of The Center for Applied Linguistics Collection.
Lisa Cope performed the digital image production at the Library's Information Technology Services (ITS) Scan Center.
Barak Stussman, ITS, was responsible for programming the indexing and display of documents. Christa Maher, Office of Strategic Initiatives (OSI), provided database support. Colleen Byrne, Web Services, OSI, was responsible for designing and creating the Web pages. Mike Fitzella (OSI) coordinated vendor support.
AFC's Margaret Kruesi, Cathy Kerst, and Megan Halsband, and AFC intern Greg Stall, created subject headings for the website.
AFC's Stephen Winick and Ann Hoog copy-edited the framing materials.
Felice Cherry and Hope O'Keeffe, Office of the General Counsel (OGC), provided legal guidance.
David Mindel (AFC intern) conducted permissions research.
Donna Christian, Center for Applied Linguistics (CAL) provided advisory support throughout the project.
Thanks to CBS News Corporation for granting permission to post the audio recording of Hugo Black being interviewed by Eric Sevareid and Martin Agronsky.


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Lord, I Trust You..
Lord, I trust you and will follow you all the days of my life. I know when I hand it all back to You, YOU always turn my sadness into Joy. Thank you for my many Blessings. ~Karen Kostyla
The Secret Of Happiness..
There Is A Child Inside Each One Of Us,


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Google Inks MoU With Andhra Pradesh
- The Andhra Pradesh Government signed a MoU with the Google India.
- The AP Society for Knowledge Networks (APSFKNW), formerly known as Institute for Electronic Governance (IEG) Exchanged Memorandum of Understanding (MoU) with Google India (P) Ltd at the Office of Minister for Information Technology & Communications., Govt. of Andhra Pradesh.
- Google has signed a Memorandum of Understanding for first time in India under its Education Initiative.
- The MoU is exchanged to train engineering students from various Jawahar Knowledge Center (JKC) Colleges on latest technologies like Mobile and Cloud Computing.
- Google will also train the trainers / mentors of AP Society for Knowledge Networks and provide required Software, Services & Training Material at free of cost.
- The government-owned APSFKNW runs Jawahar Knowledge Centres in selected engineering colleges.
- Google Inc, a Fortune 100 company with net worth of $200 billion, has set its research and development center in Hyderabad, the first of its kind in Asia-Pacific.
- It has occupied over eight lakh square feet builtup space and employs close to 3,000 software professionals located in three IT parks.


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Hey everybody, we're considering dropping AutoTrader from our list of vendors. We've been a long time AutoTrader customer, but we have not seen the performance we'd like to for the type of money we're spending with them. Our Used Cars Manager strongly supports keeping them, but we're not all of the same opinion. His salespeople have done a terrible job of marking advertising sources, so according to our CRM, we're only selling about 5 vehicles a month off of it. Has anyone else dropped AutoTrader recently? If so, how has that affected your used car sales?
Try peeking through here and see if it helps at all. Good luck! http://forum.dealerrefresh.com/f43/see-you-later-autotrader-2495.html


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Lavenham x SHIPS 35th Anniversary Edition
Established in 1969, English brand Lavenham started out creating high quality quilted products, especially catered for the equestrian industry. They have also produced horse blankets for horses ridden by Queen Elizabeth, as well as items for other royal families in Europe. Japanese fashion brand SHIPS reached out … READ MORE
SHIPS x Keds – Main Sail II
SHIPS might be a relatively unknown name outside of Japan, but it is amongst the top fashion companies in Japan, catering for men, women and kids. Their simple styles draw influence from traditional garment designs, which explains their latest collaboration with Keds. The Main Sail II model … READ MORE


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It looks like you're new here. If you want to get involved, click one of these buttons!
2013 and earlier Lexus RX 350 / RX 450h Lease Questions
rimini Posts: 14You are right on target Patsfan2:) I got the car at $1000 below invoice. Whether you believe me or not is up to you. Call Lexus of Edison and mention the name of Mark Yuzovitskiy (name of the actual leasee). Also, just to clarify things, the included tax and DMV fees were for Pennsylvania and not NY. The tax for PA is 9%. When dealer sells the car at below invoice he still makes money on the deal, just less money))) The dealer has a so-called cashback incentive from the manufacturer.
Good Luck!
Gene K -
carlovernj Posts: 71Hi Gene,
Congrats on your new Lexus.
I am in the market for the same vehicle. When I calculated your lease numbers, it appears you paid slightly over invoice price (not below). Your list price must have been approx, $45,866, up front fees must have been around $1,000, 36 month residual 10k should be 57%, money factor .00155, $1500 out of pocket, 9% sales tax. If these numbers are correct, you paid slightly above invoice price ($40,700).
Still a great deal. -
gotlogos1 Posts: 5My dealership in Houston charged us .00225 for our money factor on a 36 month lease with 12K miles per year.
We were told we had excellent credit. I am seeing money fatcors here of .00155. Is this what we were supposed to get during the sales event in December? and...can I get this rectified if so? -
gotlogos1 Posts: 5Just to add to this information - the dealership said they were absorbing the sales tax on this vehicle as part of their promotion for December. Is there normally a sales tax that is added to the purchase price of a LEASE or is it normally added to the monthly payment?
Here is the deal we made:
2008 Lexus RX 350 FWD w/ Nav, Prem. Plus, Heated seats & Rain sensing wipers, Liquid Graphite 18 inch wheels, Cargo mat and wheel locks
+ $300.00 Front Tinted Windows (dealer installed)
+ $200.00 pin stripe
$41,000.00 (Paid, savings of $3, 966.00)
+ $134.05 (Title, License, Registration fees)
+ $600.00 (Acquisition fee)
+ $506.00 (L&M fee and Doc fee)
$42,240.05 (total capitalized cost for the LEASE)
$632.70 monthly (36 month/ 36K Lease with .00225 money factor, $632.70 due at signing which was first month payment)
(Dealer provides free loaner car for services except oil change and free pickup and delivery for any major service such as the 15K service. All services are free for first 25K - I am assuming this is standard for any Lexus new car lease or purchase? Except for the free pickup and delivery for the 15K service?)
It appears from this forum that the BUY rate for this lease is .00155 from LFS to the dealer, during the December to Remember Sales Event. The dealer has to work from this. I understand there will probably be some mark-up, but at this point, I am wondering if I paid too much of a mark-up at .00225? I am not sweating it though, I didn't find this forum until too late. I am educated for my next rendevous. They did start at .00255 and reduced it to .00225. They themselves told us we had excellent credit.
I would appreciate any feedback on this deal and also, what are the facts with sales tax on a lease? Did I indeed receive a 'special deal' on this that you normally don't get outside of their sales events, where they 'absorb' the sales tax cost? They charged the L&M fee (1.25 percent) as part of that 'deal', giving me a net savings on sales tax of about 1800.00 or so (??).
The market is Houston, Texas.
TIA for any feedback! -
briegel Posts: 139I'm not sure how it is done in Texas, but in Washington the sales tax is added to each lease payment. You didn't state the residual used in your lease calculation, but assuming it is 56% (which is what CarMan provided in earlier posts) then I get a lease payment of $625.56 without adding any tax. A calculation using the Tier-1+ money factor of .00155 gives a lease payment of $578.37. Adding a 9.1% tax to that would give a payment of $631.00. I think your dealer is "absorbing" the sales tax (and more) by charging you the much higher money factor! Deceptive!
gotlogos1 Posts: 5Thanks briegel...It appears in Texas, not sure, but you pay the tax up front otherwise, no matter what the promotion, they would have to show a monthly breakout of the sales tax on the financing disclosure, which they do not, it simply lists the payment.
Two dealerships mentioned this sales tax promotion, so I think it is very legitimate. I would like to hear what other Sales event customers have experienced this month.
Maybe it is because of the sales tax absorption, basically a gimmick (shrugs), that they may not have had the room to provide a lower money factor. But I am sure I could have negotiated a few points lower if I knew their buy rate.
Overall I feel good about the deal, but i woul dfeel very good if I could confirm that I indeed saved a legit 1.5-2 grand in the deal via sales tax gimmick.
And of course, I learned much from the experience and I do love the car. -
amybwhite Posts: 3Thanks Car man. Just leased my 2008 Lexus RX last Friday. Decided not to get Navigation System. Felt I didn't really need it. Anyway, here is the deal I got with the Lexus Dealer in Birmingham, AL.
Got the 2008 Lexus RX Luxury Value Edition, with memory seats, rainsensing wipers, and towing prep package for $37,000. 36 month lease with .00155 money factor, 15,000 miles per year. Monthly payment including lease tax is $546. Paid $965.00 up-front fees. Considering there is not much competition for the dealer in our area, I feel I got a pretty good deal. I'm VERY HAPPY WITH MY NEW LEXUS!!! Thanks for your help. -
gotlogos1 Posts: 5Just to make sure we have FACTS here, to help us all...They spoke of L&M money and this was listed on the sales/lease contract as part of the fees.
They mentioned that Lexus, not them, was payin 5 percent of the sales tax. Subtracted from our 6.25 percent rate in Texas for new car purchases. They essentially aborbed about 1800.00. We paid the other 1.25 percent via the L&M fee itemization.
They started at .00255 at the one dealership in town and when we mentioned to the dealership that we eventually bought from that the other dealership offered .00225 money factor, they matched it with no questions.
Both dealers volunteered the sales tax promotion info so I don't think this was a sales gimmick/sleazy tactic ONE of the dealers used. I think it is a GIMMICK but somehow it comes from LFS and is either regional or national. The GIMMICK does seem to save you money but its playing games, confusing to the customer, I certainly would rather not play games.
I'm just curious if other purchasers this month were told about the sales tax promotion and what kind of MF they paid. I want to know if we way over paid on the MF. If so, I have issues with my local dealership. Of course it is contingent on what the bottom line out-the-door lease payment was...i.e. if they did indeed play games with numbers but we still got a good overall deal because they gave us a higher discount on the car, then ok, but I know next time I will be a much better informed lease customer. -
gotlogos1 Posts: 5
jules08 Posts: 3Longo Lexus through their Internet dept (This is the 4th car my husband and I have bought/leased from Longo Internet dept.) I would recommend them for Toyota and Lexus. They don't tack on "paint protection" "lojack" or any "extras" as many of the other SoCal dealers seem to do. We have found the best price their, probably because they are the biggest dealer in SoCal.
fromboston Posts: 3
fromboston Posts: 3
kendallcat Posts: 8I just got back from the dealership and here is the offer they made to me on a 36 month lease on a new RX350 - I wanted to see what everyone thought concerning if this was a good deal or not. The deal is for $507 a month, and I am paying the first month, lic, fees.. in the amount of $1500 to sign and walk away with the vehicle. The money factor is good at .00135, and I have not seen any deals as good as this one. The only caveat is that I have to do it by the 2nd of January. Any thoughts would be appreciated.
kendallcat Posts: 8The mileage is 12K a year for 3 years. For 15K in mileage it goes up to the high $520's. I was offered the deal a few days ago, but I was looking at another vehicle as well from a different brand. They started to change the numbers at the other auto brand so I walked away from the deal despite having taken the care home that night for the wife to see. We were 99% sure we were going to do the deal, but when I looked at the numbers I told my wife we can get a Lexus for that amount so I went back to Lexus to see where we were. Thanks for the feedback.
kendallcat Posts: 8
carlovernj Posts: 71Thanks, I know how to calculate leases. I can let you know how good the deal is. Please let me know the following piesces of information:
List Price: $42,000 (is this the exact amount)
Purchase price: (this is part of the formula for how the lease is calculated.
Residual %: I think its 56% for 3yrs, 12k miles/yr.
State Tax %
With this information, I can let you know what the monthly amount should be. I would be interested to know close the purchase price is to the invoice price. -
kendallcat Posts: 8
dude12 Posts: 1Here's what I've been offered. I've learned that if you apply for Lexus credit through the Lexus website, you can lock into the 'December Remember' rates for 30 day period.
Philadelphia area. This is a lease through Lexus Financial...
Selling price $39,300.00 ($500 over invoice)
Money down (includes first payment) $779
Monthly payment with tax $572.79
10K miles/36 Months
Residual value $24,578.97 (57%)
Money factor is 0.001550
--- -
scotty_shark Posts: 1Hello All,
I have been watching this forum and I can tell you that all these messages have been really helpful. We just took delivery of our new RX 350 and are pleased to say that we closed the deal that we negotiated with Lexus of Massapequa. They are Great about not playing any games once the deal is done!
Here are the the stats:
2008 RX 350 lux + NAV, MSRP 45771.00
CapCost = $40448.00
12k Miles
36 month
56% residual
.00155 money factor (710 FICA)
$3000 + 1st payment of $514(includes tax, bank fee, etc)
Are we satisfied? Very much so. Quite too often dealers try and screw you somewhere in the deal (usually finance).But this dealer did not. This is our first RX and we very satisified.
Happy New Year!
Scott -
carlovernj Posts: 71
This discussion has been closed.


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Comment: Maybe if they used graphene to make it... (Score 2) 187
Comment: Re:Traditional (Score 1) 62
the strengths of traditional compiled languages....zero-overhead Java platform integration
I never thought I'd hear someone say that Java integration is a traditional strength of compiled languages...
...and you didn't. The text you quoted neither says nor implies that that's a traditional strength. (In the text you quoted, the word traditional is used as an adjective modifying "languages".)
Comment: My iPod Classic has 160GB of capacity... (Score 5, Insightful) 269
Comment: Re:Boy that will win more users.... (Score 2) 415
Comment: I hate these misleading statements... (Score 4, Insightful) 388
... caught trying to deliver schematics for an aircraft carrier to the Egyptian government.
No, he was caught trying to deliver schematics for an aircraft carrier to the FBI. Since he thought he was trying to deliver them to the Egyptian government, that makes him a scumbag, but let's not pretend an actual crime that would have occurred without the FBI's action has been thwarted here. They didn't step in and stop something bad from happening, they just found some guy who likes money more than ethics and made a good headline out of him. Arguably doing so maybe has some deterrent effect, but don't misrepresent what happened or blow it out of proportion.
Comment: Re:They're leaves. (Score 2) 194
They work fine, and without lasers.
Eh, okay, maybe they're adequate, but they have the huge disadvantage you noted: no lasers!
Comment: Re:What's wrong with calling it (Score 1) 128
Comment: Re:The Star Wars universe has always been impracti (Score 3, Insightful) 390
Comment: Re:Had a realization (Score 1) 390
I just realized that all of JJ Abrams' movies are the same style. That only hit me while seeing this trailer.
I don't know where you get that with this trailer. It looks like every other SW trailer that I have seen.
Yes, but, as has been pointed out, that's because SW is a very good fit for JJ Abrams' style. This kinda drives that home.
Comment: Re:Almost made it ... (Score 3, Informative) 48
The mission did not succeed in most of its stated objectives. By definition that makes it a failure.
It's not a complete failure, and we can learn from what failed to attempt to design future missions to avoid these particular failure modes, and we can even celebrate the successes that we did get from the mission, but we cannot truly call the mission as a whole a success.
The mission did not fail in most of its stated objectives. By definition that makes it a success.
It's not a complete success, and we can learn from what failed to attempt to design future missions to avoid these particular failure modes, and while we can lament the failures that did occur, we cannot truly call the mission as a whole a failure.
Comment: Re:Do they have choise but.... (Score 1) 473
Single player was part of contract that backer bough...
There is no such contract. When you back any project on Kickstarter, you're agreeing to fund the game and (if it was part of the package) receive a copy when it's done. There's no contract for specific features, things can change in development, and all you're guaranteed to receive is the game when it's done, with whatever feature set it ultimately ends up with. Programs often don't have the exact feature set on completion as they were estimated to have at the start of a project, so they make sure their estimated feature set is not set in stone as part of any contract.
In any case, the game still supports single-player mode. It just requires an internet connection, since it's getting data from the servers as it goes.
Comment: Re:stood on the shoulders of Knuth, creator of Tex (Score 1) 42
Comment: Re:Wait a Minute (Score 1) 78
Comment: Re:The science is settled, stop doing science! (Score 1) 350
Not at all. His message is, if you think it's real, then start doing science! He doubts it's real because the people who claim it is refuse to even try actual science -- you know, that thing where you document experiments and publish with sufficient levels of detail that allow the results to be independently verified.
Even if you think it's real, you have to admit that what they're doing is not science. Or at least, you have to admit that if you're honest and know what "science" is. It might be invention, but it absolutely isn't science.


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Boogie Woogie is a 2009 comedy film set in the art world of contemporary London. It is based on the book of the same name written by Danny Moynihan, who adapted his own book on the New York art world of the 1990s and titled it based on Victory Boogie-Woogie, a Piet Mondrian painting.
Register to update information, save favorites, post photos, news stories and comments.


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Capcom hoping Resident Evil 6 will sell 7 million copies
May 13, 2012 by Khalil Daou
Filed under News, PC, Playstation 3, Xbox 360
Resident Evil 6 is due out in October, and here's Capcom firing bets, or let's say hopes that its sixth main entry in the never-ending T virus saga will sell 7 million copies worldwide.
Andriasang is reporting that the Japanese publisher has set a sales target of over 1 million for its upcoming titles. That includes DmC Devil May Cry, Dragon's Dogma and Lost Planet 3.
According to Capcom, Ninja Theory's rebooted Devil May Cry is expected to shift a good 2 million copies. As for the new fantasy RPG title, Dragon's Dogma, the publisher is aiming for 1.5 million units. Finally, Lost Planet 3 – which is planned for release early 2013, will accordingly yield the least of them all in terms of projected sales – 1.4 million.
Death's story told in latest Darksiders II video
May 13, 2012 by Khalil Daou
Filed under News, PC, Playstation 3, Video, Xbox 360
Dishonored release date announced
May 13, 2012 by Khalil Daou
Filed under News, PC, Playstation 3, Xbox 360
Bethesda has confirmed the release date for Arkane Studios' upcoming action adventure, Dishonored. The supernatural assassin action title will hit US shelves on October 9, Europe on October 12.
Dishonored is a steampunk-inspired stealth actioner in first-person perspective – it was recently announced by publisher Bethesda. Arkane Studios, the 2010-acquired studio by Bethesda parent ZeniMax, is onboard making the game. Corvo is the name of the game's protagonist; his combat relies on weapons and often spices it up with some superstitious abilities during his enemy encounters.
Dishonored is coming to PC, PS3 and Xbox 360. A playable build will be vacant at Bethesda's booth this E3.
Dragon's Dogma launch trailer summoned
May 13, 2012 by Khalil Daou
Filed under Game Trailers, News, Playstation 3, Video, Xbox 360
Hitman Absolution joining the gargantuan game releases this fall
May 11, 2012 by Khalil Daou
Filed under News, PC, Playstation 3, Xbox 360
You've all better been wisely saving plenty of coin for this fall. Simply put, a rather provoking, daring move from Square Enix, placing Hitman Absolution's launch schedule among nearly a gazillion of other high-profile titles from this fall. Agent 47's latest mission, for a lot of gamers, is one of the most anticipated undertakings of the year, and being a fan of the series myself, I do approve Absolution with arms wide open.
Now we've come to the pre-ordering part and the usual free goodies accompanied with bookmaking a videogame – yes, a practice which have become an obvious standard this generation. Once you pre-order Hitman Absolution, you'll gain access to a bonus game called Hitman: Sniper Challenge – playing that will unlock content for the game's main story such as the Silenced Agency Kazo TRG.
Hitman Absolution's release date is November 20 worldwide on PC, PS3 and Xbox 360.
Rockstar puts out Max Payne 3's official launch trailer
May 11, 2012 by Khalil Daou
Filed under Game Trailers, News, PC, Playstation 3, Video, Xbox 360
'Arctic Strike Map Pack' is Ghost Recon Future Soldier's first DLC
May 11, 2012 by Khalil Daou
Filed under News, Playstation 3, Xbox 360
Ubisoft has confirmed that the first DLC for its upcoming futuristic Ghost Recon shooter will be released some few weeks post-launch – July 3.
Dubbed The Arctic Strike Map Pack, the game's debut add-on will be available for 800 Microsoft Points via Xbox Live or $9.99 on the PlayStation Network. A PC version of the DLC wasn't mentioned.
The additional content expands the multiplayer with an unknown number of arctic-set maps, a new mode, a fresh map for the game's co-op 'Guerilla Mode' as well as six weapons not available in the core game.
Assassin's Creed III premiere gameplay trailer released
May 11, 2012 by Khalil Daou
Filed under Gameplay Video, News, PC, Playstation 3, Video, Xbox 360
BioShock Infinite release date pushed into 2013
May 9, 2012 by Khalil Daou
Filed under News, PC, Playstation 3, Xbox 360
BioShock Infinite has been delayed into February 26, 2013, publisher Take-Two has announced.
"When we announced the release date of BioShock Infinite in March, we felt pretty good about the timing. Since then, we've uncovered opportunities to make Infinite into something even more extraordinary," said Irrational Games Creative Director Ken Levine. "Therefore, to give our talented team the time they need to deliver the best Infinite possible, we've decided to move the game's release to February."
The Irrational Games creative director went on to say that the purpose of the delay was to give developers the space to ensure fans can get their hands on the finest version of BioShock… kind of the perfection Levine seeks for.
Infinite was originally pegged for the fall – the busiest schedules for big game releases. Though it's common to see anticipated titles from that period pushed forward to a relatively lighter time of the year, and this time it is BioShock Infinite has been kicked off the late 2012 skyline.
Alan Wake's American Nightmare out for PC this month
May 9, 2012 by Khalil Daou
Filed under News, PC
Turns out that Alan Wake's American Nightmare was a timed Xbox 360 exclusive, too. Remedy Entertainment confirmed that its critically-acclaimed spin-off release of the psychological thriller will be heading to PC on May 22 – that's few weeks from now.
The PC release of American Nightmare will be available on both digital services, Steam and Good Old Games. Both sites are currently holding a sale on the original Alan Wake. As for American Nightmare, pre-ordering the game at both stores will net you a 10% discount, bringing the original $15 price down to $13.50 – even better if you own Alan Wake on PC the pre-order incentive can be as wild as 25%.
As part of Steam's mid-week madness, Alan Wake is currently available for half of its initial pricing.


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If we can get just a few more players in the West Des Moines area, then the store may sponsor some 'real' GoT LCG tournys. Please post here if interested.
Looking to start league or tournament play in the WDM, IA area
Started by
, May 04 2011 09:33 AM
2 replies to this topic
Posted 04 May 2011 - 09:33 AM
Posted 03 July 2011 - 06:35 AM
Hey I live in the des moines area and my friends and i are looking for other players close by
Posted 09 September 2011 - 01:32 PM
rayge my friends and i live in the des moines area and have about a years experience with the game and are interested in the league


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Pop Tarts and Coronets : How brands find rebirth in the Now! Economy
Do we worship celebrities? Maybe. A while ago, a smart wag who was looking for a quick column inch to help promote a book identified a psychological condition: Celebrity Worship Syndrome. An unfortunate malady has developed from this type of homage. Certainly brands seek the endorsement of the gods of sport and entertainment, and over(…)


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We make every occasion special with memorable confections for you and your guests to enjoy and talk about for years to come. We save the creativity for the decorating.
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At the Pennsylvania Bakery we strive to offer as much quality and variety as possible to satisfy even the choosiest appetite. Our cakes are a work of art that is hand-made and artistically decorated.
Celebrate the most memorable day of your life with a wedding cake from About Weddings. We offer a wedding cake bakery that specializes in creating custom designed wedding cakes.
Sweet Confections is a small family owned business, located in Harrisburg, Pennsylvania serving both the east and west shores. Our focus emphasizes taste and quality confectionery artistry.
Let us create the happy ending to your own sweet beginning...Our wedding cakes are sure to be the perfect ending to your fairytale day.
Linda's Cakery can design a cake for your special occasion or special someone. From a 3D cake, grooms cakes, bridal showers or tiered cakes, we have them all.
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We can help you find the perfect wedding cake, the one of which you have been dreaming. Visit our wedding cake gallery to see examples of our delicious creations.
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Here at The Broken Cookie we know how special your wedding day is, and we want your cake to be just as special. We can create anything you wish: cupcake tower, 3-tiered cake or anything in between.
Our cake decorators have earned a reputation for their beautifully decorated wedding cakes, and special occasion cakes.
The wedding cake is one of the most dramatic elements of a wedding reception. We will make sure your wedding cake is the one everyone will love.
We offer not only gourmet cupcakes for your wedding, but also a source of entertainment. We offer a full Cupcake Bar and Favor Bar. As the Bride, you pick all the flavors, fillings and toppings. We cake-tend your reception or shower and build cupcakes to your guests dreams! They get to customize their dessert on the spot.
Rosie Rohrer, specializes in custom designed cakes for all occasions. Our cakes look extraordinary and their taste will be remembered long after your special occasion.
We create exceptional cakes for any occasion, starting with the finest ingredients and then adding our specialty decorations for a finishing touch.
The Red Brick Bakery & Tea Room does special order cakes for weddings, anniversaries and many other events.
Heaven Sent Cakes and Sweets specialize in homemade sweets (regular and sugar free), and made to order pies, wedding and all occasions cakes.
Your wedding cake is the centerpiece of your reception, Ady Cakes offers many elegant designs from which to choose, and also specializes in working with you to create a completely new design.


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YEI Corporation
The YEI Corporation, formerly Yost Engineering, Inc. was founded in 1999 in Portsmouth, Ohio and serves clients across the United States and internationally, through its two operating divisions, YEI Healthcare and YEI Technology.
YEI Healthcare offers both off-the-shelf and custom medical necessity, coding, and compliance products, as well as a wide variety of data files and claim scrubbing services. YEI Healthcare's products can be accessed through software, web services, data subscriptions, back-end web interfaces and hosted solutions.
Visit YEI Healthcare for more information about these and other products and services.
- ABN Assistant™ WEB medical necessity, ABN generation, coverage and coding rules. Deployed by hospitals, health systems, and physicians throughout the United States for both Medicare and commercial insurance. Deployed as a hosted web application.
- EPStaffCheck™ for simple and efficient verification of employee and vendor excluded party status under the OIG, GSA SDN, and state programs, including EPLS, LEIE, OMIG, and others.
- YEI ClaimScrub™ for complete pre-submission claims scrubbing to ensure complete, clean, and payable claims, including standard and custom coding and medical necessity edits. Available in Provider, Payer, and Clearinghouse editions.
- Medical Necessity Tables. Comprehensive medical necessity files for NCDs and LCDs issued by CMS, MACs, FIs, and Carriers, as well as commercial payers. Single-facility or redistribution licenses. Standard and custom formats, including CPSI, Epic Systems, Merge / Fletcher-Flora (LabPak, FFlex eSuite), Iatrics (MNO, LAB e-Laborate), MediTech & other systems. Compiled entirely from original sources, updated daily. The most accurate data in the industry.
- EpiCoder™ WEB medical encoders
- Data Files and Services for medical necessity, coding information, CCI and other healthcare data, provided to regional and national HIT vendors to drive their software and services.
YEI Technology provides Attitude and Heading Reference Systems (AHRS) and servo controllers. We also provide custom development for clients with a need for products or services within our areas of expertise.
Visit YEI Technology for information on these and other products and services.
- YEI 3-Space Sensor™ high-precision Attitude and Heading Reference Systems (AHRS) provide a reliable, high-accuracy, low-cost, small-size solution to movement and orientation challenges. Exceptionally accurate attitude and heading information based on the three-axis accelerometer, three-axis gyroscope, and three-axis compass. Proprietary multi-reference vector mode increases accuracy and greatly reduces and compensates for sensor error, and a dynamic sensor confidence algorithm ensures optimal accuracy and precision across a wide range of operating conditions.
- YEI 3-Space HiPerGyro™ is an integrated system that utilizes a novel arrangement of sensing elements combined with advanced algorithmic processing to produce an ultra-high-precision, high-reliability, miniature, navigation-grade Attitude and Heading Reference System (AHRS) / Inertial Measurement Unit (IMU). The system exhibits size, weight, and power characteristics similar to MEMS-based solutions yet achieves performance characteristics previously only attainable in laser-ring and fiber-optic systems.
- ServoCenter™ controllers allow RC servo motors to be precisely timed, controlled, and coordinated for use in the most demanding robotics and animatronics applications. Available in USB, MIDI, and serial packages.
- SC-BASIC Sequencer / BASIC Interpreter allows ServoCenter 4.1 boards to be programmed to perform various tasks via the use of a simple tokenized BASIC-like scripting language. This feature can be used to implement customer specific logic, I/O, and servo control tasks without the need for a PC or other external command device.
- PScreen: An Intuitive Python Graphics Module provides simple 2D drawing and graphics functions as well as mouse and keyboard I/O.


text: We currently have Forthought as our vendor for our clinic and in my 15 years of professional work history, I have never worked with a more horrendous company. The internet connections and phone service is shoddy at best - ZERO reliability. They are not a complete company like they advertise - let me explain. They subcontract out ALL of their services, meaning YOU the customer gets to pick up the tab on service repairs for services you're already paying for!?? We advertise an emergency 24 hour phone line that MUST BE OPERATIONAL FOR PATIENT CARE AT ALL TIMES less an act of God. Well, God's apparently working overtime because the problems are daily - degraded lines, poor connectivity, internet crashes, sending the same fax 15 times hoping it will go through, phone lines mysteriously cutting off patients' mid-sentence, the list goes on. We call over and over and over again asking for them to provide the service they are contracted to provide or at least FIX the services they are contracted to provide. They magically have no record of our calls, so that's our fault according to them? There is no accountability, no reliability, and any money you think you're saving initially ends up coming out of your pocket in the THOUSANDS, that's right, THOUSANDS for their shoddy services. They also always recommend this company called Stonetree to be the "physical" arm of their company for service repairs (that they should be responsible for, right?) - that of course you have to pay for out-of-pocket. Stonetree is the second worst company ever. For example, to install Vipre on 5 computers they billed our company $1500.00. Vipre!? I couldn't make this stuff up. I feel like I'm taking crazy pills. They are not providing the services we are paying for - last time I checked that qualifies as an automatic breach of contractual obligation. So they are legally obligated to let us out of this nightmare contract, which of course is not happening. Now we have to drag this through the courts - IT'S A COMPLETE NIGHTMARE. Do yourself a favor and avoid this company like the plague. They only look good on paper. Quite honestly Westward, if you're endorsing this company then put your money where your mouth is. My office will take bets on how quickly you'll change your tune.


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One of every five Montanans too young for Medicare has no health insurance. What would happen if Medicaid coverage is offered to the 69,000 lowest income, uninsured Montanans?
- New federal dollars would flow into the state.
- New jobs would be created, mostly in health care but also in services and supplies to health care providers.
- Workers in these new jobs would pay taxes and spend their money in communities all across the state.
The estimate of 69,000 Montanans comes from two sources. First the Bureau of Business and Economic Research at the University of Montana conducted a detailed survey of Montana households in 2011. Data from that survey is in a BBER report presented in January to state insurance commissioner Monica Lindeen. Likewise, the U.S. Census Bureau recently estimated that 68,259 uninsured Montanans are under 138 percent of poverty level, which is the maximum income that the federal government will cover with Medicaid starting next year -- in states that choose to cover their residents.
For three years, the U.S. government will pay 100 percent of the Medicaid care costs for these newly eligible enrollees. After that, states would gradually be required to pay part of the care costs until in 2020 and future years, states would pay 10 percent and the federal government would pay 90 percent, under the federal health reform law.
Most low-income Montana kids already are eligible for Medicaid or the Children's Health Insurance Plan through the Healthy Montana Kids program. Forty percent of births in Montana are covered by Medicaid. About 60 percent of the elders in Montana nursing homes are Medicaid patients. Folks who have been certified as disabled by Social Security also qualify for Medicaid. Parents of young children whose income is a fraction of poverty level also may qualify for Medicaid.
Workers left out
The people left out for now are able-bodied non-pregnant adults between the ages of 19 and 64. Most of these Montanans are working in lower paying jobs. If they had Medicaid, an important sector of Montana's workforce would become healthier and more productive with fewer days lost to sickness.
No place in Montana has more at stake in the Medicaid debate than Yellowstone County. In the state's largest medical center and largest population center, Medicaid expansion would be a boon to both individuals and the area economy. Extrapolating from BBER statewide data, the Montana Budget and Policy Center estimates that 7,245 Yellowstone County residents would become eligible for Medicaid and that covering more Montanans would boost Medicaid spending in our county by $56 million annually while creating 1,450 jobs.
Business support
Small wonder that leaders of Big Sky Economic Development and Billings Chamber of Commerce are voicing their support for Medicaid expansion.
Montana hospitals and other health care providers are pushing for expansion because as the federal health care law covers more Americans with Medicaid, it will reduce payments to health care providers. In particular, hospitals will see decreases in Medicare's disproportionate share payments that now help compensate facilities that treat a lot of indigent patients. If Montana doesn't expand its Medicaid program, health care providers in our state will still still have their payments cut.
Although much focus of the Medicaid debate is on covering more Americans, just as important is the opportunity to reform the health care system.
"We've got to reform our system and do it better because it costs too much," said Cindy Stergar, health policy adviser to Gov. Steve Bullock.
Bullock has said he supports a Medicaid reform and expansion bill that House Minority Leader Chuck Hunter of Helena will introduce.
Neither Bullock nor Stergar revealed details of the bill in recent interviews with The Gazette. But Stergar said it will focus on principles such as integration and coordination of care, patient-centered care and accountability.
Montana ideas
She is encouraged that the U.S. Department of Health and Human Services recently has started saying it wants to hear Montana's ideas for Medicaid reform.
Those ideas ought to include:
-- Incentives for both providers and patients to use care appropriately.
-- To address concerns about financial sustainability, the state could start by offering the newly eligible the minimum Medicaid benefits allowed and requiring affordable co-pays for those who can pay something.
The Republican governor of Arizona has given her support to Medicaid expansion, but her state also included a "circuit breaker" that says the expansion would end if the state's share of costs rises to 20 percent. Cost conscious Montana lawmakers might consider a similar trigger.
Meanwhile, Montana has the opportunity to offer health coverage to 69,000 residents, to boost its economy with an estimated 11,000 new jobs that would add up to $477 million per year in labor income, according to the BBER.
That's an offer too good to refuse. We call on lawmakers to consider the full impact of Medicaid reform and expansion. We call on Bullock to get his proposal before the Legislature when members return from transmittal break and to work with them to get a good plan for Montana. Lawmakers who want to boost Montana's economy won't find a better opportunity this year than Medicaid.