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Buying Out A Partner - With Complications
First of all I love the information on the site. I've done some research into buying a home and have talked to several people who have bought homes and I can never believe the stories I've heard. My response is always "why didn't you just walk out . . it's only a $2000 deposit . . . you're paying that in the first year with the difference in interest you are getting now" but after reading your site it seems to me you would have to get lucky to find a good mortgage broker and get a good loan where what you are told is what you get. The rule seems to be if you want a house "getting screwed" is just a part of the process. In this market (DELETED) you would need to be especially lucky to find someone who is willing to be honest . . . it's a risk and, again, it seems to me being honest is will just lead all clients to the fibbers who, frankly, tell people what they want to hear.Anyway, back in May 2003 I was looking for a house and a friend of mine was looking to invest $70,000 (that he got from another land sale) so he wouldn't have to pay taxes on it. We ended up buying a $150,000 home where I live now. By "we", I mean "he" because my name couldn't be on the loan for tax purposes (at least that's what they told us . . . it's hard to get good information). And, I know, I know, I have no rights and he can do whatever he wants and I understand that. If anything I've had a place to live where the rent was relatively low (but it sucks that I didn't get a house when they were affordable). I've been living in this house and paying the mortgage for more than 3 years now. I'm in a much better financial situation now and I'd like to buy the house from him. He also has another $70,000 from another land sale (I'm not sure of the details but suffice to say he is thinking about paying off the mortgage). Anyway, once all this happens I want to buy the house from him at a price way below market (similar houses are now around $300,000 but there is no way I'm paying $300,000 when I could have gotten it for $150,000 when I moved in). My question is: can a seller also be a lender? Where do I start? I've talked to a few people and they won't touch it . . . in fact, they have no advice whatsoever beside for me to move out and get my own house (which they would be happy to help me with). What are the tax implications of all this?
Thanks again.
If it was inevitable that you would get screwed as part of doing a real estate transaction, most of the information on this website would be useless and pointless. Furthermore, if it was inevitable, I'm not certain it would be appropriate to call it "getting screwed," if it happened on every transaction - it would simply be the way things are. But that is not the case - better outcomes are possible, and not uncommon. What I'm trying to do here is give folks the tools to get correct relevant information, make rational informed choices, find honest competent service providers (it is not as difficult as I may make it seem sometimes, but neither is it easy!), and in general have a better outcome, which is the target you really want to hit. How much effort you want to spend is up to the individual reader. If you want to do only the easiest and most basic items, it should still make a significant difference. If you want to go whole hog, you should see much larger benefits.
Now, as to your specific situation, here are the issues I see:
First off, I have never heard of a situation where you cannot be on the title "for tax purposes." The only tax purposes that would serve is allowing the other person to get the entire deduction, which he would anyway from being the only person on the loan. As soon as the loan is recorded, there is no reason why there could not have been a quitclaim from him to him and you (in whatever manner you desired to hold it, most likely tenants in common in this case). This would have started the clock on having you on title, and since you cannot refinance for cash out within six months of having your name put on title via quitclaim, this constrains your options as well as putting you at your friend's mercy. You may have been paying the mortgage, but even if you can prove it this is unlikely to give you any legal rights if your friend decides not to play it straight. That's what I'm told anyway - talk to a lawyer in your state to be certain.
The next issue, relatively minor, is that you have no verifiable history of paying either rent or mortgage payments at this point. Those checks you have been writing to pay the mortgage in your friend's name? Well, that mortgage is being reported as paid, but your name is not on it. Rent? Not there either.
However, assuming this really is a friend who intends to play it straight with you, this situation is very workable. If it was someone who wanted to work you over, you would be well and truly hosed. You bought for $150,000, of which your friend furnished $70k. The loan for the remainder that you have been paying for sure looks like your contribution to me! By my reading, this makes him approximately 7/15ths owner, and you 8/15ths, but if your friend has been playing it straight, he's done you a pretty big favor not just by tying up his money in the down payment, but by allowing his credit to be used for your loan. This has effects on his debt to income ratio if he wants another loan, among other things. I wouldn't mind ceding him a larger share of ownership were I in your shoes.
Whatever the amounts of ownership you agree upon, however, you are also going to need to agree on a method for valuation. Assuming you're not actually going to sell the property (in which case the net sale price would be the value) I'd probably agree to something like the average of a Comparative Market Analysis of sold properties in your area, and an appraisal. Appraisals are not what you could get on the market in the current conditions, and don't try to think that they are, but both measurements can be manipulated. Pay for each of them in equal shares. As compared to each of your investments, it's small potatoes, and a worthwhile guard.
You have an agreed valuation, and an agreed upon share of ownership. Out of that, you currently have a loan on your share, but that should probably be your issue, not the partnership's. So from that, you can figure what your friend's current share of ownership is, and therefore what he is due upon buy out. You should still have a pretty good ownership equity, roughly $80,000 by the rough amounts and ownership shares in the previous paragraph. So you need to come up with about $80,000 to pay off the current loan, plus about $140,000 (again, by the computations as to ownership share above, subject to revision per your agreement) to pay off your friend. Total owed: $220,000.
Your friend actually want to go from owner to lender, and I don't know of anything wrong with that, although in all truth I've never encountered it before in this context (seller carrybacks happen all the time in this market). Furthermore, he wants to invest an additional $70,000 in being the lender. Whereas this will not qualify for 1031 tax deferred treatment as far as I can see (consult a tax professional), this means you are going to have two loans on the property, one from a regular lender, and one from your friend. The specifics of this are difficult to see without more information, and shopping your situation around (I'm not licensed in your state, so I can't put my wholesalers through that for no potential pay off!). It could well be that your friend's loan ends up in second position, but it strikes me as more likely appropriate for a first, as the guidelines for Home Equity Loans and Home Equity Lines of Credit are more likely to have this whole situation be acceptable to your lender for the balance.
As to the structure of the transaction, it's going to look like a sale, but don't expect real estate agents to want to work through that without a commission, which you are probably not going to want to pay, because all of the hard work to the transaction is kind of irrelevant in your case. On the other hand, good loan officers do these all the time. However, the commission structure for Home Equity Loans and Lines of Credit leaves them not making a whole lot of money unless you agree to pay them a flat fee for going through all of this, and for all the times I tell people that transactions aren't as difficult as some loan providers would have you believe, this is a very difficult transaction. I normally work on less than one point of total compensation for loans but I'd probably want to see about $6000 in order to put this transaction through, and that's if everything else is perfect. I don't know about your state's predatory lending law (most states have one, limiting total loan costs to a certain percentage of the loan), which may well prevent them from getting paid enough to make the transaction worthwhile for them. By comparison, on a loan of about $80,000 plus transaction costs, which is what the computations above suggest, California's predatory lending law limits total cost of the loan (and also total lender compensation via another law) to $4800. In most cases, direct lenders can basically ignore this by jacking the rate up so that they can sell the loan for more on the secondary market, but brokers cannot. And whereas that's way more than plenty in most situations, in this case it is not.
On top of everything else, this is a related party transaction. You are effectively selling from a partnership to one of the partners. That is going to mandate shopping lenders not only for price, but for willingness to do the transaction based upon the situation.
When I first wrote this, the loan was difficult but possible in that way. Today, I wouldn't even try without an upfront compensation agreement. You're going to need a very flexible lender. A paper Fannie Mae/Freddie Mac is right out, and due to changes in the market flexibility in lending standards is mostly a thing of the past. I might be able to find a portfolio lender that'll do it, or maybe not. We are going to have to document an awful lot of stuff, and there are a number of points on which the loan can fall apart. You're also probably going to want this to be a short term loan without a pre-payment penalty, so that you can refinance after you've been on title six months or so, because you'll be able to get a better rate then (unless rates have skyrocketed). All this stuff adds to the complexity, and whether the loan will get funded or not is not something I can control by paying attention to underwriting guidelines like I can in other cases. This requires a lender who's willing to issue some waivers and exceptions, and I might have to submit this loan several times to different lenders over a period of months before it actually funds. That's probably the reason nobody wants it: They can't get paid enough to make it worthwhile. The predatory lending law may have good intentions, but in this particular case it's making life difficult for the consumer because brokers and correspondents can't get paid enough to make it worth their while, and any given direct lender (especially the ones that consumers see, which tend strongly toward the A paper cookie cutter loan tailored to the pickiest of secondary market guidelines) is unlikely to have sufficiently flexible guidelines. You could go to a hard money lender, of course, but those rates are about fourteen percent or so, which causes most consumers to say, "Never mind!"
There is one other alternative. He could use that cash to buy you out, at which point he is left with basically his current loan, and I think this might even qualify for 1031 deferral (but consult a qualified tax professional before doing anything). If he can't rent it out for enough to have a positive cash flow under those circumstances, something is very badly wrong. He verifies that you've been paying rent/mortgage/whatever, and away you go with $70,000 or so in your pocket and all the leverage a qualified buyer has in a very strong buyer's market, and yours becomes a very easy transaction. I think you could do very well for yourself, given what little I know of your particular market at this point in time.
Caveat Emptor
Original here
Buying and SellingLogical failures (straw man, ad hominem, red herring, etcetera) will be pointed out - and I hope you'll point out any such errors I make as well. If there's something you don't understand, ask.
Nonetheless, the idea of comments should be constructive. Aim them at the issue, not the individual. Consider it a challenge to make your criticism constructive. Try to be respectful. Those who make a habit of trollish behavior will be banned.
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Pau Gasol (toe) decided he could play just before game time on Tuesday and came through with 20 points, 12 rebounds, three assists, a steal and two blocks on 9-of-13 shooting in a loss to the Cavaliers.
Klay Thompson scored 31 points to lead the Warriors in a win over the Celtics on Sunday, adding two boards, one assist and three 3-pointers in 32 minutes.
Stephen Curry dropped 21 points on 6-of-16 shooting in a win over the Celtics on Sunday, adding 11 assists, four boards, two steals and one 3-pointer in 33 minutes.
DeMar DeRozan snapped a three-game offensive skid with 25 points on Sunday, adding one 3-pointer, six rebounds, four assists and two steals without any turnovers in 35 minutes.
D.J. Augustin exploded for a career-high 35 points while taking over the Pistons' starting PG job on Sunday, hitting 12-of-20 shots with five 3-pointers, four boards and eight assists.
Kawhi Leonard briefly left Sunday's game against the Bucks with a tweaked ankle, but returned shortly after to the tune of 19 points, 14 boards, two assists, three steals, one block and one 3-pointer in 36 minutes.
Khris Middleton tied his season-high with 21 points in a loss to the Spurs on Sunday, adding five boards, two assists, three steals and three 3-pointers in 30 minutes.
Brandon Knight scored just 10 points in a loss to the Spurs on Sunday, adding five boards, five assists, one steal and two 3-pointers in 35 minutes.
Tyreke Evans racked up 24 points and a season-high 12 assists in Sunday's home win vs. the Mavericks, making 11-of-19 shots with one 3-pointer, one steal and three turnovers.
Monta Ellis notched his seventh 30-point game of the season on Sunday, pouring in 36 points on 16-of-27 shooting in a narrow road loss to the Pelicans.
Tyson Chandler returned from a scary knee injury to finish Sunday's loss in New Orleans with four points, seven rebounds, two assists and three blocks in 33 minutes.
Pacers rookie Damjan Rudez erupted for 16 points in the final quarter on Sunday, finishing with a season-high 18 points on 7-of-10 shooting with four 3-pointers.

subset: commoncrawl


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Local news: Record Fair DJs share their dream finds
The winter edition of the semi-annual D.C. Record Fair is this Sunday, giving vinyl obsessives - and non-obsessives as well - a chance to dig through the crates of 30 East Coast dealers in an effort to find rarities, new discoveries and bargains. The last installment attracted an overflowing crowd to Comet Ping Pong but there should be more room to breathe this time as the Fair moves to the mainstage of the Black Cat.
As an added bonus, Fair organizers The Vinyl District, Som Records and DC Soul Recordings have assembled a mighty impressive lineup of DJs who will provide the soundtrack to the afternoon. So we asked each of them what their dream find would be at a fair like Sunday's. Their "white whale" - or maybe their white vinyl original pressing.
Kid Congo Powers: The last few years I have been trying to find a 45 rpm single titled "Loco te Patina el Coco" by Juan "El Matematico." It is a Mexican artist and the song is a truly loco version of "Wild Thing" with crazy screaming lyrics that make little to no sense. Truly demented,wild, wooly, obscure and impossible to find. It pops up on a few LP compilations, but I need the 45 version to blast away any blues I may get. Nightly, I pray for a miracle!
Geologist (of Animal Collective): When it comes to the white whale, I'm not really a collector in that sense. Even though I know it's out there and can easily be bought on eBay, I always hope to come across "An Electric Storm" by White Noise by accident. It's been a favorite of mine for many years and was a big inspiration on early music we made in Animal Collective in terms of combining pop and abstract electronics. Sometimes in specific places we tour I have certain records I look hard for but have yet to find. For example in Argentina I went everywhere looking for a copy of "Artaud" by Pescado Rabioso, and when in Peru I always look for an original of "Telegraph Avenue." When we toured New Zealand I looked for the first Snapper EP but never found it. Honestly these days nothing seems that hard to find with eBay; you just have to decide if you want to pay that much for it.
(Eric Hilton, Ian MacKaye, members of Casper Bangs and Bluebrain, after the jump.)
Eric Hilton (of Thievery Corporation): I'd have to say Prince Buster's "Shaking up Orange Street" on 7-inch. I'm a big rudeboy/rocksteady fan and that one is a big tune.
Rob Pierangeli (of Casper Bangs): There's not a specific record I look for, but I will usually look to the classics to see if I can find old pressings of records I love. I own a lot of reissues, but it would be great to grab a monophonic pressing of "Pet Sounds," [Beach Boys] or an original pressing of "Kinda Kinks." I've always wanted to own "Black on Both Sides" by Mos Def on vinyl; I love that record. I've never been able to find that on vinyl.
Ryan Holladay (of Bluebrain): One of the records that I would love to have in my collection is actually one I used to own and lost. It's an old Ink Spots record; a compilation of some of their earlier songs. The Ink Spots have been through so many incarnations and, for every song, there are about 10 versions out there, many of them not good. This collection was simply incredible and captured many of these songs when the group was at its peak, particularly the standout "My Prayer." The artwork and design of this record was also hugely influential on us. And by that, I mean we ripped it off completely for the cover art of the first CD we ever made.
Ian MacKaye (Fugazi, Minor Threat, the Evens): Sorry to say that I don't have a "white whale" record. I don't get out to many record fairs, but when I do go, I'm mostly interested in coming across music that I didn't know about. That's the thing with music ... there's always more.
David Malitz
February 12, 2010; 11:52 AM ET
Local news
| Tags: Animal Collective, Bluebrain, Casper Bangs, Fugazi, Kid Congo Powers, Thievery Corporation
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Olav is a simple and geometric lamp that brings to mind a Scandinavian design in which the reflection of light occurs through the top section. Thanks to the opal blown glass in a cylindrical shape the light generated is direct as well as diffuse: an excellent treatment of light. This is why both versions, suspended and ceiling, achieve the goal of illuminating with a soft light without being loud.
Brand Story:
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be nice to yourself
May 4, 2012
be nice to yourself by emily mcdowell. available for purchase here.
wrap up: {art} {emily mcdowell} {inspiration} {nice} {quote}
May 4, 2012
be nice to yourself by emily mcdowell. available for purchase here.
wrap up: {art} {emily mcdowell} {inspiration} {nice} {quote}
May 3, 2012
have you heard of blog brunch? when i discovered it via august empress, i thought, how fun! in a nut shell, blog brunch is a live question and answer chat that takes place on twitter every first saturday of each month. hosted by two lovely bloggers, megan and ms. pink, people from all over the globe meet to discuss our favorite subject – blogging!
each month, they spotlight a different hot topic which allows bloggers of all sorts to network, ask questions, share information and most importantly- build relationships.
if you missed last month's, you can catch up with this handy recap right here.
the next brunch is this saturday, may 5th at 1pm EST and 10 am PST. mark your calendars and join in- i'll meet you there! and don't forget to use the tag #blogbrunch
wrap up: {blog brunch} {blogging} {greet} {meet} {questions} {social} {twitter}
May 3, 2012
i've got a thing for floor cushions, poufs and pretty things- so these poufs by little miss loolies immediately caught my eye! made from upcycled sweaters, they are handmade, eco-friendly and cute as a button. visit little miss loolies to see more, and make sure to check out her beautiful diy supplies as well!
May 2, 2012
birds songs, spring blooms and warm breezes all mean it's time to start digging in the dirt!
one: twig plant markers
two: garden task photo
three: goats at play
four: herb garden plant markers
five: organic heirloom seed packets
six: honey for my honey
seven: pastel rose gardening gloves
eight: garden apron
wrap up: {apron} {bag} {dirt} {garden} {spring} {supplies} {tools}
May 2, 2012
if you dream of curling up like a fox on the forest floor, or traveling beneath the trees to distant places, you're sure to get lost in linda kim's artwork. inspired by wanderlust- it's magical, wondrous and thought provoking.
May 1, 2012
in addition to a monthly birthday gift guide, i also plan to start creating a monthly desktop calendar for you! this will be the first of many, and i would love your feedback. do you like to use monthly calendars as your desktop background? i hope so, because i sure loved creating this for you!
to download: click on the image above, then select your preferred size (most likely, 'original'). right click and select 'save as desktop background'.
please note: all images and elements © bonnie christine. you may not reproduce, re-create or sell in any way, but please feel free to download for your own personal use. if you share on your own blog (i'd be flattered!) please direct your readers to this post to download the file. thank you!
wrap up: {background} {calendar} {desktop} {download} {free} {may}
May 1, 2012
happy may, everyone! in order to celebrate, i thought a gift guide might be fun. if you'll be celebrating a may birthday this month, you might consider one of the handmade gifts above!
may facts:
* may's birthstone is the emerald which means love or success.
* may's birth flower is the lily of the valley.
* no other month begins or ends on the same day of the week as may in any year.
* may was named for the greek goddess maia, who was the roman goddess of fertility.
* may is national brain tumor awareness month.
1. lily of the valley – $28
2. tiny emerald and sterling silver stacking ring – $32
3. may your year be filled with sunshine card – $5
4. may – $1650
5. may you be happy always card – $4.50
6. turk head knot necklace – $14
7. days of summer pencil set – $8
8. emerald bracelet – $60
9. organic white lily valley seeds – $2.25
10. emerald green ring – $74
11. custom 14k script name necklace – $60


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University of Vermont
Undergraduate Program
Civil Engineering
Educational Objectives
Graduates of the Civil Engineering Program are expected to:
- Practice civil engineering, use their program knowledge in other avenues, or enter graduate school;
- Apply engineering principles and an understanding of civil engineering issues to analysis, design, construction, management, and preservation of natural and engineered systems;
- Participate in comprehensive design activities carried out in interdisciplinary settings that involve applying current and emerging practices in civil engineering;
- Actively participate in professional and/or community-based service (local, national, or global) that benefit the profession and the public;
- Be capable of effective leadership and communication;
- Be capable of professional licensure, and eager and able to engage in further study and professional development; and
- Consider the social, economic, and environmental aspects as part of the engineering solution and problem definition.
Program Outcomes
At graduation, students in the Civil Engineering Program will have attained minimum levels of accomplishment in the following program outcomes. These encompass ABET's Criterion 3.
- an ability to apply knowledge of mathematics, science, and engineering to civil engineering problems;
- an ability to design and conduct experiments, as well as to analyze and interpret data;
- an ability to design a civil system, component, or process to meet desired needs;
- an ability to function on multi-disciplinary teams;
- an ability to identify, formulate, and solve civil engineering problems;
- an understanding of professional and ethical responsibility of civil engineers;
- an ability to communicate effectively to technical and nontechnical audiences;
- the broad education necessary to understand the impact of engineering solutions in a global and societal context;
- a recognition of the need for, and an ability to engage in life-long learning;
- a knowledge of contemporary issues; and
- an ability to use the techniques, skills, and modern engineering tools necessary for civil engineering practice.
Undergraduate Enrollment Data for Past Three Years
Total Number of FT and PT students: 156 (2014-15), 135 (2013-14), 141 (2012-13)
Number of BS Degree Graduates: TBD (2014-15), 30 (2013-14), 46 (2012-13)


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Hi everyone:
Last year I struggled with tight tension.
Now, my dilema is: I have many, many patterns for fair isle sweaters. All done on circular needles (which I love). My problem is that the sweater sizes go up to a standard 46-48 inch chest. My aunt has asked me to make one for my cousin who is considerably larger. 56-58" chest. Changing needles (not an option) would make a larger sweater, however, I would like this sweater to be thicker and warmer. Does anyone know how I might enlarge an existing pattern? I am totally at a loss. You know I see lots of people with big fairisle sweaters and often wonder how they get them to fit when the patterns don't exceed an X-large. Sue |
Follow-Up Postings:
Your best bet, even though you have many patterns already, would be to buy one in the size you need. Especially with the desired sweater being a fair isle. Tami |
Tami, Thanks so much for responding, however, I have not seen the fair isles, nordic knits, Lopi sweaters in a size larger than an XL. I am totally at a loss. I don't object to buying new patterns at all. It's just where do I find them? Sue |
- Posted by damascusannie (My Page) on Thu, Aug 28, 08 at 8:29
Well, if you jump the yarn and needle size, you will end up with a bigger sweater, but you will have to make the necessary adjustments for the length, which will also grow. The first sweater I ever knitted had a Fair Isle yoke and although the directions specified sport weight yarn, I knitted it in worsted. I was 5'2"/110 lbs at the time and the sweater ended up fitting my DH who was 5'10"/180! However, a search of "Plus size knitting patterns" turned up this site: |
Here is a link that might be useful: Plus size patterns
- Posted by daylilydayzed (My Page) on Thu, Aug 28, 08 at 10:28
Damascusannie I want to thank you for that website link. I found that they offer XXS patterns for men and I have been looking for a sweater that was sized for that with out having to sit down and figure out the math for reducing a pattern |
damascusannie, thank you so much for the terrific Plus Size pattern link. I guess when I do a search, I give too much information and come up with nothing! Thanks again. Sue |
- Posted by damascusannie (My Page) on Thu, Aug 28, 08 at 23:34
I'm glad I could help--I was just lucky I think! Annie |
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Sat, Oct 8, 05 at 16:59
I am moving and cannot take all my plants with me. They are all tropicals. This is for pick-up only, I WILL NOT SHIP! You will need a truck, as some of the plants are large. I am just outside of Indy. Here is a partial list: several named Brugmansia Dr. Moy Ginger Duranta Walking Iris African Iris Salvia Bougainvillea several cactus/succulents That is all I can think of off the top of my head, but there are more. Anyway, if you are local, I can set you up. Please e-mail me and we will iron out the detail. Thanks, Susan |
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- Posted by hija_de_lamadre IN5 (firstname.lastname@example.com) on Thu, Oct 13, 05 at 20:43
ME Me Me, I would LOVE them. My Brug bloomed 3 times this year. I Am so excited. I would love to take your plants, |
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5 Pillars of Security Framework™
Click here to download the picture
VigiTrust treat security as an ongoing process, it needs constant attention to achieve success.
New Vulnerabilities are constantly arising; your organization needs to be in a position to deal with such vulnerabilities, including such threats as viruses and phishing attacks. While such issues need to be addressed, there are less obvious vulnerabilities that organizations need to defend against. Some such examples include:
• M&A: when organizations merge it is vital that secure system control occurs when their systems are integrated
• Outsourcing: In cases where an organization outsources work, it is necessary that all measures are taken to ensure that data and networks are
• Internal threats: Measures should be put in place to guard against attacks from disgruntled staff members.
• User awareness: Security begins with staff and it is with this basic premise that makes it vital that all staff are aware of and understand the importance of treating data with necessary care.
• Asset control: It is imperative that organizations exercise strict control on how their infrastructure is used, especially mobile hardware such as PDAs and Laptops.
VigiTrust believe that organizations need to continuously check and improve their security. In the same way that an organization would not update its accounts at the start of the year and assume profitability for the remainder of that year, an organizations security should be treated with the same ongoing vigilance.
VigiTrust specializes is enabling organizations to take control of their security on an ongoing basis. VigiTrust can help organizations not only with technical solutions, but more importantly with putting a proper framework in place to address their security on an ongoing basis. VigiTrust empower companies not only to address the obvious vulnerabilities but to address those vulnerabilities which have yet to emerge


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All Aboard the Fast-Casual Bandwagon
Read More About
Fast casual has dominated foodservice success stories in recent years, with the category sporting an 11 percent sales hike in 2013, according to Technomic. That success has inspired several traditional quick-service brands to jump on the fast-casual bandwagon with wholly new sister brands, the latest example being Taco Bell with its new U.S. Taco Co. and Urban Taproom brand.
With its edgy "Day of the Dead" theming and upscale fusion menu items, U.S. Taco Co. aims to stand out from both Taco Bell as well as other fast-casual operators.


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Some of you know that I only started running 3 years ago. I've been going out by myself, setting myself goals and achieving them. As with all things in my life, there's been ups and downs.
Since April when I completed my first public 5km run I've had back & leg problems and haven't run so much. I lost my confidence. As with a lot of things, one small knock and it sets us back a long way. So, I decided to join in the coaching sessions at the local athletic club that the boys go to, Chorley Athletic & Triathlon Club.
I'm loving it! If someone had told me a few months ago that I'd enjoy running up and down steps for fun, I'd have laughed at them! But that's just it! I'm slower than all the 6 year olds, but it doesn't matter. Everyone is there to have a good time and get fitter and stronger in their own way. Yes, there are some better athletes who go, and a lot of them compete, but I've been welcomed in to enjoy this activity in my own way.
I guess I've welcomed being part of a team and having other people encourage me, even my family. They have helped me regain my confidence. I'm still not running as many times a week as I was, but I'm spending time strengthening other parts of my body that have been neglected these past few years.
I still have some goals, but they're no longer as important as enjoying the Tuesday night coaching sessions. Adults and Juniors train at the same place, and sometimes I join the seniors, sometimes the juniors. I do what I feel able to, whilst still challenging myself. I ache today, but I'm chuffed with my session last night. I know I've got people I can ask questions of if I'm unsure about something. A specialist in their field. A coach.
I had a business coach for a short time in my business life, and it was great. It helped me focus and develop areas I wasn't confident in. I love working with the Bra Lady team as we all support each other to develop our businesses. I love being part of a family unit where we learn and develop together, and share experiences. So why has it taken me so long to get a supportive team around me in my activities? No idea!
We've heard a lot recently about TeamGB, and the support Olympic athletes get from being part of a bigger organisation. We wish all our athletes well for London 2012.
Have you selected your support team, or has it just happened? What other support do you need to achieve your goals?


text: Professional Development January 18, 2013 NYSUT hosting 2013 Advanced Placement Summer Institute Source: NYSUT Education & Learning Trust The NYSUT is sponsoring the Advanced Placement Summer Institute® July 22-25 in the Conference Center at NYSUT headquarters, 800 Troy-Schenectady Road Latham, New York. Course offerings include: AP® Biology AP® Calculus AB AP® Chemistry AP® English Language & Literature Combined AP® Spanish Language Culture AP® US History Classes are held from 8 a.m. – 4 p.m. You must attend each day to receive in-service credit. For those new to AP® courses, or experienced but desiring new strategies and methods to improve their teaching. The fees are $725 for inservice credit $650 if register before June 3. Tuition fee includes course materials, continental breakfast and lunch each day. Lab fees are extra. For more information, download the FAQ, the flyer, visit www.nysut.org/elt or call ELT at 1-800-528-6208. Download Flyer (152K PDF) Download FAQ (18K PDF)


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Hustler Turf Equip Lawn Mowers & Turf Care Equipment |
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Price of a 07 fastrack 42?
I have a 07 Fastrack 42 with bagging system. Mower is in great shape. My dad gave it to me. Has only mowed his residential yard and my little yard last year. Just wondering what a decent price to ask for it is? It has the kohler courage 17hp engine. I know they are around 5k new. Thanks for the help.
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Check the weather. Feel that nip in the air? Notice that the sun doesn't warm your hide as much as it did a mere month ago? Dude, fall is coming. And as much as that means you have an excuse to stop taking three-hour rides ("Bro, I don't wanna ride; It's cold and rainy, whaaaaa!") there's no excuse not to go race 'cross.
And don't let the drop bars fool you. Cyclocross isn't a roadie race on dirt. Anyone who rides singletrack can outcorner the skin-and-bones types because you know how to ride in the muck, you know that sliding is fun, not scary, and you know that mud on your jersey is a sign of pride, not a sign that you need to schedule your Gucci garb for another dry cleaning appointment.
Best of all, 'cross races are short, so even though the road bunch will likely have better lungs than you, the pain is short-lived, and the post-race high fives are worth the effort.
The bike for the job should be something tough, reasonably light, and worthy of admiration from your peers even if you come in dead last. Like the Van Dessel Gin and Trombones that recently arrived on our back porch, complete with a very bright Team Maxxis paint scheme (click on the above image to enlarge). This bike ain't no wimpy 'crosser with braze-ons for racks, fenders and the handlebar mounting of your milk-frothing espresso maker. The triple-butted, 7005-series aluminum tubing is oversized and stout and this bike rides fast and squares off corners like a laser level. This machine is all about speed, not subtlety. Some sting is taken out of square-edged hits thanks to the carbon rear triangle, but the straight-bladed fork is rigid enough to make you swear it's made of steel, not carbon. Then again, it steers so well, you're not going to wish for something cushier.
Oh yeah, Gin and Trombones? Edwin Bull, who runs tiny Van Dessel in, of all places, New Jersey, is Belgian-born and in Belgium, where the entire nation is cuckoo for cyclocross, fans line the courses and play trombones while drinking gin. How else are you going to beat the nasty storms blowing in from the North Atlantic in January?
As for our test rig, the 19.5 lb. Ultegra-spec bike you see here retails for $2,299, which is really a killer deal (consider that most Ultegra-clad road frames go for much more). Some deviations from the menu: Our tester got the Cane Creek Volos wheelset that comes on the more expensive Dura-Ace build of this bike; normally you'd get the Strados. It's also shod with the just-out Maxxis CX Raze tire, an improvement over the predecessor Locust CX model. Other highlights include a lightweight and very slick FSA SL-K crankset with 36-46 gearing. And we've made a few mods of our own, going with a shorter-nose Titec seat for smoother dismounts, and swapped the FSA post for a lighter, Ultegra model. Frame-and-fork-only the Gin and Trombones sells for $799.
We'll campaign this bike this fall in a few races and let you know how we do. Even if we get dead last, we'll look good and have fun, and that's what 'cross is all about.


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New International Reader's Version (NIRV) | New International Version (NIV) |
15 I said to Zedekiah, "Suppose I give you an answer. You will kill me, won't you? Suppose I give you good advice. You won't listen to me, will you?" | 15 Jeremiah said to Zedekiah, "If I give you an answer, will you not kill me? Even if I did give you counsel, you would not listen to me." |
Holy Bible, New International Reader's Version® Copyright © 1995, 1996, 1998 by Biblica. All rights reserved worldwide. (New International Reader's Version Bible Online) | Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online) |


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Williamsburg -
- Elevator / Ground Floor: No
- Wheelchair Accessible: No
- Child-Friendly Art: Yes
- Pet-Friendly Building: Yes
- Strollers Welcome: Yes
Artist Statement
Pursuing art is never an easy task. That's why I play. The playfulness of art makes me want to create more art.
My subject matter is usually my daily life. But I also dream; I dream about being in a different place, somewhere I have never been before. I play with the colors of my childhood to make this dream come to life.
I used to look at a children's dictionary. The illustrations were simple and direct; I perceive life in the same way (well at least my studio life).
I also write, curate and produce major shows.


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Who are ja?
German Premier League stars on why they love England
AFTER the 4-1 drubbing England suffered at the hands of Germany in the 2010 World Cup, our old enemies are rubbing our noses in it again.
Wembley plays host to the Champions League Final on Saturday – and for the first time it is an all-German affair.


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Desert Reef Poodles are located in Utah's beautiful southwest corner, a 2 hour drive north of Las Vegas. We are a small hobby breeder committed to raise happy, healthy, sound and beautiful Standard and Miniature Poodles.
We carefully plan litters with health, temperament, beauty and 'easy to live with' as top priorities. Genetic Health testing is done to aid in proper breeding with intensive pedigree research for lesser health risks.
All of our dogs are family members, residing inside our home as pampered pets. (As are all puppies!) The adults 'earn their keep' by being the friendly door greeters at our Natural Pet food store, 'Bone Appetit!' Come visit!
We are natural rearers, weaning to a raw food diet and vaccines kept to a minimal. Puppies get lots of daily attention and socializing from adults and children of all ages. By the time they leave for their new homes they are well on their way to being house, crate and leash trained, with a couple of car trips to familiarize them to the motion and sounds.
We temperament test at 7 weeks to help with the best possible placement. Pets are on limited registration and a spay/neuter contract... health and temperament warranty, refunds are given for titles achieved, including CGC.
Be sure to visit our website for more information and pictures.
Health Screening: VWD, CERF, OFA hips, SA, Thyroid, NE, some JRD, yearly blood work
I am a country breeder of Standard Poodles. We live against the Wasatch Mountains where the poodles love to run and play. Our poodles are family members and live inside our home, where they sleep on beds, and make our lives full with love and entertainment. Standard Poodles are the best friend anyone could ask for. They are loyal, trust worthy, loving and kind. They are also beautiful, regal dogs that love attention.
I have been a breeder for 12 years. I enjoy sharing this special breed of dogs. We have a Standard Poodle play group that meets in Park City once a month where the dogs run and socialize. All the owners enjoy visiting, but the poodles enjoy it the most.
My dogs are from Amazing Champion lines, Pinafore - Bay Breeze - Minarets. Health testing completed; OFA hips good, eyes cerf, normal rating on (DM) (NEwS) (VWD) and AKC DNA.
Puppies are graded and temperament tested at 8 weeks of age. Daily socializing and training begins at birth by myself and my large family of 7 children and 2 grandchildren. Before placement puppies are crate trained, begin doggie door training, leash training, commands, and car trips for grading and socializing. Vaccinations are started at 5 weeks and puppies are available to go home with their forever families at the age of 8 weeks. They are sold with a spay/neuter contract unless pick of litter which is sold with a show/breed contract.


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Samsung Galaxy stores could be the next big thing in tech retail
After all, Samsung already goes head-to-head with Apple in domestic and global smartphone market share. Arguably, it's time for Samsung to dive deeper into the U.S. market with a new retail channel to not only distinguish itself from Apple but also the rest of the Android ecosystem.
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Nouveau In Linux 3.20 Will Have A Lot Of Code Cleaning While the Nouveau pull request has yet to be issued for the DRM-Next merge window that will ultimately target the Linux 3.20 kernel, a look at the changes so far appear to mostly indicate this open-source NVIDIA driver is just going through a period of code cleaning and reorganization. Also: Linux kernels for a macbook pro retina | Android Leftovers
Debian 8.0 "Jessie" Installer RC1 Released The first release candidate for the Debian Jessie Installer in leading up to the Debian 8.0 "Jessie" release. While some Debian developers were hoping to release Debian 8.0 before February, it doesn't look like that will pan out given that the first release candidate of the installer surfaced today. Also: Debian 8.0 "Jessie" RC1 Is Here, Test Away | Firefox 35.0.1 Now Out – My God, It's Full of Fixes Two weeks after the release of Firefox 35, the Mozilla devs have pushed the first update out the door and they have fixed a number of important crashes and various other problems. |


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reviews & comments (27)
I've made this several times with very soft Fuyu persimmons. It is more cakelike, but that does not detract from its bar cookieness. This time used a mixture of dates and dried cranberries and made the glaze with blood orange juice rather than lemon juice. Yummy!
These came out good, like a spice cake. The persimmon is not really featured as prominently as one might hope; the puree/pulp just blends into the cake. I don't like dates so I used dried blueberries (with pecans, as called for), and I think it worked well. I also reduced the sugar by 1/3 cup and that was fine. Mine was not dry at all - very moist.
I'm not sure why the previous reviewer found it to be dry. Mine, made to the recipe, were moist and delicious. I used very ripe Fuyu persimmons from my tree and pureed the pulp rather than strain it. Persimmons have a mild taste and are very sweet when very ripe. For that reason, I only used 3/4 cup of sugar. Everyone who ate them raved about them, even my husband who usually doesn't like sweets. Great recipe for muffins also.
Definitely a cake. A very dry cake, but a cake, not a bar. This reminds me of the spice cookies my grandma used to make. All I could taste was the clove and cinnamon, not the persimmons at all. Too bad. I had 3 persimmons from my CSA basket and used them all up on this recipe. Still, it's not bad, just not very special or persimmon-y.
This is a delicious recipe. We added chopped almonds which were very good, but my biggest recommendation is to spend a little more and get Meyer Lemons for the glaze. We also made these as mini loafs vs. bars and it worked just great.
I followed this recipe exactly and the bars were delicious! When in season, I freeze persimmon pulp as they ripen so I have it on hand. Fantastic way to celebrate seasonal produce and lovely to the eye!
These were a major letdown. The cloves were overpowering (and I love cloves) and the persimmon did not shine through as a result.
Just terrific. I only had 2 hachiya persimmons but was able to achieve the 1 cup needed for the recipe. Delicious, and different.
I agree that these were definitely more of a thin cake than a bar, but that doesn't change their deliciousness. They were a lovely combination of sweet, spicy, and tart. I used Fuyu persimmons, which worked just fine. I simply peeled them and put them in the food processor. This recipe is great for using up the persimmon crop off of the old tree.


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This guest post has been written by Mike from The Dividend Guy Blog.
By giving us the opinions of the uneducated, journalism keeps us in touch with the ignorance of the community.
-Oscar Wilde-
Now that you have the liquidity ready to buy any stocks you want, that doesn't mean you should be in a hurry to do anything. I know people that are sitting on the sidelines for quarters and more. Let's be honest, that's not my style. I'm way too impatient for that ;-). But there are moments when it's easier to be impatient. The good news is that most opportunities on the stock markets are as visible as Black Friday Sales!
Trust the Media
The funny thing is that while the announcements are usually read, the wording doesn't match with the action you should take. My best source to know if I should be looking at which stocks to buy is definitely the media. When you read word like "crisis", "recession", "high level of debts", "unemployment rates", "Governments problem", etc. You should read only one word "buy, buy, BUY! I'll take what recently happened in 2011 as an example. While the companies are making higher profits than they were back in 2008 (before the crisis), their stocks are well undervalued compared to the same period in time.
After 2008, most companies cut down their costs, improved their productivity and restructured their debt correctly. This is why they are highly profitable and have tons of cash sitting in their bank account. However, this fact doesn't reflect the stock value. Why? Because there remains a lot of uncertainty around the Euro zone and the U.S. Government debts. While everybody is scared and worried, nobody figures that most companies don't have problems similar to Governments, and this is why they can go through a potential recession without much harm. These are the moments where you have to remember that you are not buying emotions when you are purchasing a stock. You are buying a company making money. So your only concern should be "will this company continue to make money in the upcoming years?". I guess you won't stop gassing your car, drop your cell phone or cease going to the grocery store in the upcoming years. So I also guess that well managed companies in those fields are pretty safe regardless if the Canadian Government budget shows a deficit, right?
Bad news and stock market panic are usually my favorite triggers to start looking actively for stocks to buy. I do that because I don't have much time to invest in managing my portfolio and the media are fairly reliable to emphasize any panic movement on the market. However, if you are more meticulous and have more time, you can also use the moving average to detect entry point.
Let's take a step back and look at what the moving average represents. The moving average is a statistical concept used to measure major trends in data. The moving average is usually used by technical traders. It helps trigger a buy or a sell action. You can use a moving average with any number of data points you want (10, 20, 30, 50, 100, 200, etc).
Moving Average Technical Analysis Example
Let's say that you have 50 data points and you want to calculate the 20 days moving average. You will take the data from 1 to 20 and make an average. This will be your first point. Then, you will take the data 2 from 21 and make another average. This will be your second point on the graph. You now take data 3 from 22 and so on. Along with your graph from 50 data points, you will also have a smoother line showing the current trend of your data; this is the moving average.
What is the point of using the moving average while trading?
The moving average will replicate the trend of the stock you are following (INTC in this example); therefore, it shows when the stock is on an uptrend or a downtrend. As you may know already, there is a huge psychological factor in any stock market.; consequently, if you can predict the trend of a stock or an ETF, you will know when it is the best moment to buy or sell. While this sounds pretty magical, it is far more complex than this wishful thinking. When the moving average added on the stock chart helps you determine what the major trend is.
How to apply the moving average to my stocks on the radar list?
Since the moving average will give you the general trend of a market or a specific stock, the key is to identify the moment where the stock price goes under the value of the moving average and goes back up to cross it upward. If you look at back at the INTC graph, you will see that I have circled in red the middle of the graph. This is because the stock price crossed the 200 days moving average and then crossed the 50 days moving average right after. I personally bought INTC in August, 2011 when there was a momentary drop under the 50 days, but not the 200 days. The moving average will tell you that the stocks should not decrease to a lower level (unless there is other very bad news on the market ).
This technique is not perfect as it can't predict the unpredictable (Black Swan Law). If you have selected solid stocks (thanks to your investment criteria!), you will at least buy the stocks at a lower price than if you simply bought the stock the same morning you found it.
Once You Bought Your Stock, When is the Right Moment To Sell?
The second great question that comes after buying a stock is definitely: when you I sell it? I cover this aspect in my book; Dividend Growth: Freedom through Passive Income. Make sure to take a look at it!


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By road:
Please click on the map above for full driving details.
Public Transport:
The number 38 stops outside the building. Please ask for The Grange Public House.
On Foot from Derby station:
Alter Rock is about fifteen minutes walk from the centre of Derby and ten minutes walk from Derby Station. Please click on the full map for directions.


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On July 11, 1995, the remains of a female victim were discovered in East Caln Township in Chester County Pennsylvania. The victim is believed to have been 17 to 25 years of age at the time of death. Authorities believe that the estimated date of death is 3-7 days prior to discovery. Cause of death was homicidal violence.
According to her Doe Network File (147UFPA,) the East Caln Township Jane Doe's nude torso was found in a maroon suitcase covered with a green trash bag along the Brandywine Creek, on Valley Creek Road, South of Boot Road in Downingtown, near to the Downingtown and West Chester boroughs of Pennsylvania.
The victim's legs had been removed from her pelvis. The torso was wrapped in a sheet and then packaged in a plastic quilt bag. The quilt bag was wrapped in a quilt and placed in the maroon suitcase, which in turn was tied closed with wire and tape, and placed in the green garbage bag.The suitcase and quilt in which she was found wrapped were sold at Kmart stores.
According to information provided by authorities to the Doe Network, the victim was a light-complected white or Hispanic female, 4'11″-5'3″, with brown hair, brown eyes, pierced ears and no tattoos or scars. She was wearing a light-blue denim shirt with a collar, long sleeves, copper-colored buttons, and light-colored bands across the chest and back, and a denim skirt. Some clothing, bed sheets and a quilt were found in the suitcase.
Anyone with information is urged to call Pennsylvania State Police Trooper Henry Callithen at 610-268-2022. NCIC Number: U853071055
Unsolved Murder Spotlight: The Rising Fawn Jane Doe
Unsolved Murder Spotlight: The Slidell Jane Doe
Unsolved Murder Spotlight: The Racine County Jane Doe
Unsolved Murder Spotlight: The Clark County Jane Doe
Unsolved Murder Spotlight: The Napanee Jane Doe


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Webcam Hamburg, Germany: St. Pauli-LandungsbrückenA live webcam view of the current weather in HamburgThis webcam is currently offline!
This webcam is currently offline!
Hotels in the region of Hamburg
This booking service via booking.com is completely free of charge and no prepayments are required - you pay your hotel bill when leaving the hotel. The current weather conditions and weather forecast for Hamburg in in cooperation with wetter.com:
Here we have a list of places in Germany with webcams nearby. |


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In the end, the lure of the lemon was too strong for its competitors to overcome.
After a tense Tuesday in which Del's Frozen Lemonade and the Washington County Fair were repeatedly just a vote or two apart, Del's took a 42-vote lead into the home stretch Wednesday, then held off the Washington County Fair to win by 19 votes with 2,303 cast.
Here are the final totals:
Del's Frozen Lemonade, 912 votes (39.6 percent)
Washington County Fair, 893 votes (38.8 percent)
Roger Williams Park Zoo, 391 votes (17 percent)
Sand Hill Cove, 107 votes (4.6 percent)
We congratulate all the competitors, both in the final round and in the four rounds before it. Each of them is a great part of a Rhode Island summer.
And for much more about what will make this summer special, make sure to see our Providence Journal Summer Guide, which debuts in the newspaper and online on Friday.


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To Infinity and Beyond
By Marcia Faye
Ron Iden (M.P.A. '76), Senior Vice President of Global Security for The Walt Disney Company
Photo: The Walt Disney Company
"Just reach for the stars, and as it's probably been said at Disney, you never know where your future might lead you," says Iden, from his office at the Walt Disney Studios in Burbank, Calif., the company's international headquarters.
The son of a retired Chicago Police Department captain, Iden served for a decade as an Elk Grove Village police officer before joining the Federal Bureau of Investigation. He spent 25 years with the FBI before being appointed as director of the California Office of Homeland Security by former Governor Arnold Schwarzenegger. Iden accepted the newly created security role at Disney in 2004.
"At that point in time, [former] Disney CEO Michael Eisner and COO Bob Iger [now president and chief executive officer] recognized the value of having a security leader oversee the security components that were already in place throughout the company," explains Iden, noting that security directors at Disney's theme parks, cruise line, studios, and affiliated companies each reported to different heads. "They wanted to bring all of that under one security group for purposes of standardization and continuity, thereby elevating the overall security posture of the company."
Besides the United States, Disney security teams are in place in Europe, the Middle East, Africa, Latin America, and Asia. The newest venture is the Shanghai Disney Resort, slated to open in 2016.
China's other Disneyland, in Hong Kong, will soon unveil Toy Story Land, headlined by space ranger Buzz Lightyear and his sheriff friend Woody, from the popular motion picture series. Buzz Lightyear Attractions—interactive video game-inspired rides—are already in place at several parks, including Disneyland in Anaheim.
"Being the competitive sort that I am with a background in firearms training, I've found that challenging some of my security cohorts to the attraction is fun for us all," says Iden with a chuckle, about the Buzz Lightyear AstroBlasters game. "We talk about the Buzz Lightyear championship belt and who's going to wrest the belt from me. So far, I continue to hold it."


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Form 8805, Foreign Partner's Information Statement of Section 1446 Withholding Tax
This form is used to show the amount of effectively connected taxable income (ECTI) and the total tax credit allocable to the foreign partner for the partnership's tax year.
Current Products
Recent Developments
Other Items You May Find Useful:
Form 8804, Annual Return for Partnership Withholding Tax (Section 1446)
Form 8813, Partnership Withholding Tax Payment Voucher (Section 1446)
Comment on Form 8805
Use the Comment on Tax Forms and Publications web form to provide feedback on the content of this product. Although we cannot respond individually to each comment, we do appreciate your feedback and will consider all comments submitted.
CAUTION: We cannot respond to tax-related questions submitted using this page. Instead, please visit Tax Law Questions or call our toll-free number at 1-800-829-1040 (Individuals) or 1-800-829-4933 (Business).


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Sat, Apr 13, 13 at 9:51
This area is 100% shade during the summer due to the large trees in my backyard. I have no plan on removing the trees so would like ideas; tips or suggestions as to what I can do to liven up this area. The trees take all the water so its near impossible to have grass like the rest of the lawn. I tried clover last year but very limited results. One the plus side my lawn has a inground sprinkler system so getting water to the area is no issue but what to plant etc is my puzzle. Thanks for any help with this backyard project. I am open to just about anything. I came across Periwinkle Flowers but my concern is will they invade the rest of the property. See image of area in question. Thanks for any help or advice on this. |
This post was edited by BradWilliams on Mon, Apr 15, 13 at 6:52
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Brad: One possibility for this difficult area, that you might consider is Ajuga or Bugle Weed. It moves around well but is also easy to remove if it gets to be invasive. It has nice leaf colouring and even blue flowers in the spring. It is low growing and amasses well. Hope this helps. Ross. |
- Posted by BradWilliams none (My Page) on Mon, Apr 15, 13 at 6:57
Thanks for the feedback. I looked at images of Bugleweed, nice looking ground cover and may be the answer to my garden. |
Bugle weeds come in purple colours and also in large and smaller varieties. Choose a mix so it looks interesting. |
- Posted by BradWilliams 5B (My Page) on Tue, Apr 16, 13 at 18:33
Thanks Ianna, will try that for sure. |
Bugle weed attractive but is extremely invasive.Periwinkle will also spread, but is much easier to control. |
- Posted by BradWilliams 5b (My Page) on Fri, Apr 19, 13 at 9:35
Thanks Kel for the info, will look at periwinkle. |
- Posted by BradWilliams (My Page) on Sat, Apr 27, 13 at 17:21
Planted 4 one gallon Periwinkle (Vinca minor) plants today in the area in the photo where nothing really grows. Spaced them about 3 feet apart. Added a few clumps of moss near rocks in the other area, should be interesting to see how they both grow. Put some root boost on all the plantings to help a little with their intial growth. |
This post was edited by BradWilliams on Sat, Apr 27, 13 at 19:03
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Tournaments :: news
Walmart Bass Fishing League - Michigan
DETROIT RIVER (Sept. 22-23, 2001)
Trombly wins Wal-Mart BFL Super Tournament on Detroit River
WOODHAVEN, Mich. — Mike Trombly of Perrysburg, Ohio, topped 58 competitors on the Detroit River this weekend with five bass weighing 21 pounds, 14 ounces to win $4,595 and 400 points on the boater side of the Wal-Mart Bass Fishing League (BFL) Michigan Division season finale.
After qualifying for the final round of the two-day Super Tournament in fifth place with an opening day catch of five bass weighing 19 pounds, 2 ounces, Trombly out fished runner up David Hayward of Sylvania, Ohio, by 1 ounce to take the win.
Hayward qualified for the final round in eighth place with five bass weighing 17 pounds, 11 ounces and finished up with a final round catch of 21 pounds, 13 ounces to win $2,298. He also received a $500 bonus from Ranger Boats as the highest finishing participant in the Ranger Cup incentive program.
Donald Hewkin of Zion, Ill., took third place and collected $1,149 with 17 pounds, 2 ounces. Allen Huhra of Joliet, Ill., placed fourth and earned $996 with 16 pounds, 8 ounces, while David Reault of Livonia, Mich., placed fifth and earned $919 with 14 pounds, 7 ounces.
Huhra won the boater Big Bass Award and collected $580 with a 4-pound, 14-ounce bass that he caught on opening day.
First place in the Co-Angler Division and $2,298 went to Bob Snyder of Marion, Ind., who topped 58 competitors with a final round catch of five bass weighing 19 pounds, 4 ounces. Second place in the division and $1,149 went to Homer Stephens of Noblesville, Ind., with 14 pounds, 14 ounces, while Peter Merckx of Westland, Mich., took third place and $574 with 12 pounds, 13 ounces.
Joe Lindsay of Monroe, Mich., and Orlando Villarreal of Hudsonville, Mich., tied for the co-angler Big Bass Award with a 4-pound, 7-ounce bass that he man caught on opening day. Lindsay and Villarreal received $145 each.
Steve Clapper of Lima, Ohio, landed the Divisional Points Championship and $1,000 with 1,152 points won during five regular season tournaments. Floyd Siegel of Coldwater, Mich., landed the Co-Angler Points Championship and $500 with 1,103 points.
The top 30 boaters and top 30 co-anglers in the Michigan Division will advance to regional competition Oct. 9-13 on Chautauqua Lake near Jamestown, N.Y., where they will go up against top competitors from the Northeast, Buckeye and Piedmont divisions for a shot at qualifying for the BFL All-American, which features an estimated purse of $345,000 and ranks as one of the most lucrative post-season tournaments in competitive angling. The top two boaters and co-anglers may also qualify for the Ranger M1 tournament in Mobile, Ala., Feb. 27-March 2, 2002, where they can win up to $1 million in the world's richest freshwater tournament.
Awards for the 2001 BFL season could reach $5.7 million based on full fields at each tournament.
Sponsors of the 2001 Wal-Mart BFL are ALPO Pet Foods, BC Powder, BFGoodrich Tires, Black & Decker, Chevy Trucks, CITGO, Coleman, Conseco, Energizer, EverStart Batteries, Frito-Lay, FujiFilm, Garmin, Kellogg's, Land O'Lakes, Mercury Marine, Minn Kota, Pepsi, Poulan, Pure Fishing, Ranger Boats, Snickers Cruncher Bar, Stren, Shop-Vac, Timex, US Bank, Visa, Weed Eater, Wrangler and Yamaha Outboards. ACDelco is an associate sponsor of the Wal-Mart BFL.


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