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American homeowners overpay millions of dollars a year in unnecessary private mortgage insurance.
Thanks to the Homeowners Protection Act, which goes into effect today, American homeowners will continue to overpay millions of dollars a year.
The law establishes when homeowners stuck with the insurance, called PMI, can get rid of it. Borrowers can request that PMI be canceled when they pay down the principal balance of their mortgage loans to 80 percent of the purchase price. Lenders must automatically cancel PMI when the balance hits 78 percent. But the act has substantial holes in it:
So the bottom line for homeowners and home buyers, then, is the same today as it was yesterday: Stay on the ball, watch the value of your home and ask your lenders to drop PMI as soon as you can. If your home appreciates in value, you could be paying too much for years before the protections of the new federal law kick in.
What PMI does PMI is the friend of homeowners who are caught short on their down payments for conventional mortgages. Borrowers who can't afford at least 20 percent down have to get PMI to get their mortgages. The borrower pays it, but the lender gets the benefit -- PMI assures the lenders will get back their money if the borrower defaults. People who don't have a big stake in their homes are considered a higher risk; PMI is a policy that persuades lenders to take that risk.
About 1.5 million of the 4.97 million home buyers in 1998 were saddled with PMI policies.
Borrowers may request that PMI be canceled when:
Lenders must cancel a borrower's private mortgage insurance when:
They're not cheap. Under the current rates from one large company, PMI costs about $39 a month for someone who puts down 10 percent on a $100,000 home; $62 a month at 5 percent down.
The coverage is supposed to expire when the borrower surpasses 20 percent equity -- just like the homeowner who put 20 percent down, a homeowner with a 20 percent equity stake in a property is considered a good enough risk to do without the extra insurance.
But PMI is often a friend that stays around too long.
Early payments on an amortized loan are mostly interest, so it takes years before home buyers pay down their mortgages to 80 percent of the purchase price. It takes 10 years, two months with a 10 percent down loan, and 12 years, four months with a 5 percent down loan, based on a 30-year, fixed-rate mortgage taken out at 7.56 percent, the Bankrate.com national average for July 28.
But even after that point, because homeowners didn't always ask for the coverage to be dropped and lenders didn't tell them they could be, unwitting consumers are often socked with extra PMI payments for years.
Ballyhooed law The Homeowners Protection Act of 1998 was passed to make sure PMI went away, and establishes when. The law covers mortgages originated July 29, 1999, and later.
The act adds extensive disclosure requirements to demystify PMI. It requires lenders to offer borrowers an initial written notice stating that PMI is required, and that it can be canceled at a later date. Lenders also must follow up with annual disclosure statements reminding borrowers of their right to cancel PMI. The annual disclosure requirement is the one section of the law that applies to all mortgages with cancelable PMI; the rest of the law just applies to mortgages issued today and afterward.
Lenders will also be required to refund all "unearned" PMI premiums. They will have 45 days after insurance terminates to repay any premiums they collected from borrowers for coverage beyond the date the insurance should have ended. The law leaves it up to individuals to sue for damages if lenders fail to repay them.
"The bottom line is that thousands of hardworking American homeowners overpay PMI each year because they don't know what it is or how to get rid of it," said Rep. James V. Hansen, R-Utah. He crafted the law when he had trouble getting rid of the PMI policy on his own property. "We would not let an auto mechanic charge customers for work that is not needed or a doctor charge patients for procedures that were not performed."
Law protects lenders However, in the compromise of lawmaking, the law was set to apply only to future mortgages. It also is drawn carefully to protect lenders from having to drop PMI if homes depreciate in value. It does not, however, let consumers get rid of PMI faster if homes appreciate in value, increasing their equity. The language of the law requires that borrowers pay down the balance of the mortgage to reach "80 percent of the original value of the property" before they can ask that PMI be dropped. The law also defines the original value as the lesser of the purchase price, or the appraised value at the time of purchase.
The difference between the original value and current value is an important one: Every dollar of real estate appreciation after purchase is a dollar of equity that goes on the homeowner's side of the balance sheet.
Someone with a home originally worth $150,000, for example, who enjoyed appreciation of 4 percent a year would have a home worth more than $180,000 in just five years. That appreciation alone is enough to give that homeowner 20 percent equity, even if it was bought with no down payment at all.
Under the law, however, that lender who gave a 0 percent down, $150,000 mortgage, wouldn't have to drop PMI until 14 years and three months had passed, sticking the homeowner with more than nine years of unnecessary payments.
So what's a savvy homeowner to do? Stay on top of the property values in your neighborhood and contact your lender to ask about its policies toward PMI. Many lenders will offer to drop the PMI policy when asked, although they may first require you to pay for an appraisal to show you have reached 20 percent equity.
Several other factors enter into it -- among them, existing state laws, your payment history, compliance deadlines, the fine print in the mortgage -- so borrowers should go ahead and request PMI cancellation if they think they might be eligible.
That holds especially true for people who have made extra mortgage payments to lower their principal balance and people who find out home values are appreciating in their area. Either a rise in home values or a fall in principal balance adds to equity and draws the 20 percent PMI finish line closer.
* Mortgage rate may include points. See rate tables for details. Click here. * To see the definition of overnight averages click here.
Bankrate.com ®, Copyright © 2015 Bankrate, Inc., All Rights Reserved, Terms of Use.


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How to Get Money From Car Accident Claims and Personal Injury Settlements
Where to Start
To understand the claims and settlement process, please visit the following sections:
Getting money from your car accident compensation claim and personal injury settlements can be really difficult.
Auto accidents are extremely expensive. It can cost you thousands of dollars to pay for your car damages, personal injuries, and increased auto insurance premiums.
What makes things worse is that the whole process of getting money from the auto insurance companies is confusing and stressful.
You don't know what to do and end up getting a fraction of what you should have received from your insurance claim.
On this site you will find lots of helpful tips on how to get more money from your car accident claims and personal injury settlements.
Being in an auto accident is not fun. But dealing with insurance companies, starting personal injury settlements, and struggling to pay for car repairs and medical bills is also not fun.
Every day, thousands of people get into auto accidents. If you are fortunate enough to avoid a fatal car crash, you still have to deal with the financial and emotional aftermath.
There are a lot of things you have to deal with. You have to get your vehicle fixed, pay medical bills for your painful injuries, negotiate your accident settlements, hire personal injury lawyers etc.
All of these things cost money, which you need to get from the insurance companies.
Unfortunately, getting more cash after your auto accidents can be a confusing process. Most people have no clue on what to do after their accidents. The result is you get frustrated, waste your time and lose money you should have gotten for your damages.
No one wants to be in car accidents but most of us will be in one or more within our lifetime. You can learn from my experiences and knowledge, to avoid the same costly mistakes I have made and unfortunately most drivers still make.

subset: commoncrawl


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A friend of mine sent me this link, I thought it was pretty clever how it works, and it really caught me off-guard. I'm still laughing over this (I think?).....
Clicking on the link below, will take you to a website that is in spanish. Don't worry about knowing spanish, you'll easily figure out what's going on.
Put your first name in the first box where it says "seu nome", then put your last name in the second box. Don't put in your email address, there's no need, just leave it blank. Just below all of that click on the word "visualizar". That's all you need to do, just sit back and watch the short commercial.
Bar da Boa


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Agriturismo Villanova, Levanto
Editor's Pick
Italy 19015
Tel: 39 01 8780 2517
Concierge.com's insider take:
Just one train stop from Monterosso, the mellow resort of Levanto is a good base for the Cinque Terre. For post-trekking rest and relaxation, head for this rural retreat perched on the hillside above town. An 18th-century family estate set amid terraced olive and fruit groves, Villanova now offers hospitality along with its farm products, including wine, olive oil, and honey. There are three suites in the handsome main villa, and five more in a farmhouse further up the hill, plus a couple of self-catering apartments on the grounds. The design scheme is jazzed-up Italian country style, with walls of yellow ocher or baby blue, pretty stenciled wardrobes, and lots of artsy prints and drawings. Breakfast, served in the garden, is based on homemade or locally sourced organic produce. There's no pool, but plenty of space for sunbathing. Those without a car will probably want to take a taxi from Levanto stationthough if you're traveling light, it's a pleasant (but steep) 20-minute walk.
Closed early January through mid-February.


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Williams-Sonoma's Next Big Thing
NEW YORK ( TheStreet) - Williams-Sonoma (WSM - Get Report) reported better-than-expected second quarter earnings on Wednesday, but the real exciting part of the company's story how it's using West Elm - its largest growth brand -- as a platform for innovation.
Besides its flagship Williams-Sonoma brand, which sells kitchen gadgets, cookware and gourmet foods, it is the parent company to the ever-popular Pottery Barn group of brands and West Elm, both of which cater to upper middle-class homeowners and home decorating enthusiasts.
On top of that, the company has smaller extension brands such as Rejuvenation, which it acquired in 2011 and offers high-end lighting and hardware, Mark and Graham, its late 2012-launched personalization gift brand, among others.
By focusing on social media and creating partnerships that give the upscale home furnishings and gourmet kitchen gadget company more unique product offerings, the company may be on to something here for its West Elm brand.
"We believe that West Elm is at the forefront of a transformational change in retail, where consumer preferences are influenced by the opinions of other like-minded consumers and enthusiasts," CEO Laura Alber said on the earnings call yesterday. "From its award-winning blog, Front & Main, to its pioneering use of Pinterest, to collaborations with Etsy, West Elm is building its brand and driving profitable sales with a carefully orchestrated infusion of social media into its marketing mix." The San Francisco-based Williams Sonoma said on Wednesday its profit rose 13% from a year-ago to $48.9 million, or 49 cents a share, beating analysts' estimates of 47 cents a share. Shares on Thursday fell 0.19% to $56.86. Also see: Williams-Sonoma Beats Earnings Estimates; Results Leaked Also see: Nordstrom: Earnings Beat, Revenue Misses Also see: 5 Crafty Entrepreneurs Jolly With Etsy Success Company revenue rose 12.3% to $982.2 million in the second quarter beating estimates of $940 million, while overall company comparable store sales rose 8.4%, it said. Of course one cannot ignore the fact that Williams-Sonoma is taking full advantage of the housing recovery as well as the fact that high-end consumers are faring better than low-income customers that shop at stores such as Wal-Mart (WMT). It's worth noting that about half of Williams-Sonoma's revenue comes from its direct-to-consumer (its online channel, which also includes catalog business). The company said yesterday 49% of its total second-quarter revenue, or $478 million, comes from direct to consumer. West Elm is the fastest-growing Williams Sonoma brand, generating 26% revenue growth, and comparable sales rising 16.5% last quarter. Still it's a small portion of the overall company, with just 58 of the company's overall 583 stores. West Elm accounted for $430 million, or 11%, of Williams-Sonoma's 2012 revenue, according to its annual report. Williams-Sonoma believes that West Elm has the potential to be a $1-billion brand. "West Elm is such an exciting growth story. And across the country, we are seeing strong response to the brand's high design, its authenticity and the craft that it brings to the customers," Alber said. "There's still room for margin expansion in that brand, and we continue to push, as I've said, on expansion and category, dimensional size and in authentic design." Wedbush Securities analyst Joan Storms says the brand has the potential to rise to 15% to 20% of the company's overall revenue. "It's a very different concept than the more traditional Pottery Barn brand," Storms says. "To me it's a little more hip, urban, a little more down to earth. It's a price point that has broader accessibility to a younger demographic and also sort of emphasizes value. And they've used social media to a big degree to attract that type of customer that cares about the local community." "I think it has the potential definitely to be at least $1 billion," she adds. Indeed the use of handmade furnishings by so-called Etsians (just look at any West Elm catalogue for instance) is an example of how more big retailers can partner with small businesses for maximum exposure, benefiting everyone, instead of placing an unfair competitive advantage of big vs. small. In the case of selling Etsy products, West Elm is taking advantage of the exploding trend by consumers -- most identifiable through Etsy's success -- for more unique and handmade items. "We are focused on growing our assortment of handmade products, which is a key differentiator in the marketplace. Customers love knowing how and where their products are made," Alber said on the call. In contrast, Williams-Sonoma's traditional brand saw comparable sales fall 0.4% in the quarter, which the company blamed on soft sales for seasonal items. The Williams-Sonoma brand will end the year with the most store closings. The company plans to close 15 Williams-Sonoma stores, while opening just seven, whereas it expects to open 11 West Elm stores in 2013 (with one closure). Innovation-focused companies like Williams-Sonoma and Gap (GPS) are doing plenty to position themselves for the long haul. We don't see it happening at big dinosaurs like J.C. Penney (JCP) or Sears (SHLD). -- Written by Laurie Kulikowski in New York. Follow @LKulikowski To contact Laurie Kulikowski, send an email to: firstname.lastname@example.com. >To submit a news tip, email: firstname.lastname@example.com TheStreet on Twitter and become a fan on Facebook.
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Who cares if you cause " negative biomechaincal alterations" as long as it takes the patients' pain away? Most people do very well with fasciotomy so apparently all the biomechanical theory is just that.
Point-Counterpoint: Recalcitrant Plantar Fasciitis: Is Fasciotomy Ever Necessary?
This author says there is still a very important role for plantar fasciotomy in the treatment of recalcitrant plantar fasciopathy, citing high success rates and minimal complications.
By Stephen L. Barrett, DPM, MBA
First, let us get the nomenclature right. "Fasciitis" is incorrect as it is not an inflammatory condition but a degenerative one. Therefore, we should really call the condition either plantar fasciopathy or plantar fasciosis.1,2 It is well established that there is a certain subset of cases of plantar fasciopathy, perhaps higher than 10 percent, which simply does not respond to other treatments, either conservative or minimally invasive ones.
Since the introduction of the endoscopic plantar fasciotomy (EPF) procedure in 1990, surgeons have performed more than 1 million of these procedures worldwide.3 Even with the incredible advancements that have been made with extracorporeal shockwave therapy (ESWT), ultrasound guided partial plantar fasciectomy and other modalities, there are still thousands of patients who need a plantar fasciotomy. For the record and contrary to much outside opinion, I do not like to cut the plantar fascia and will do everything possible to avoid having to perform an EPF. However, when needed, the EPF is highly efficacious with minimal complication and postoperative morbidity.4-6
With today's technology, especially high-resolution diagnostic ultrasound, not only can physicians make an assured diagnosis of plantar fasciopathy within minutes, they can also accurately measure the level of severity of the degeneration within the plantar fascia itself. Ultrasongraphy is definitive for the diagnosis of plantar fasciopathy. If normal or mildly affected fascia is present, this takes the consideration of plantar fasciotomy out of the debate.7-11 This technology allows for the institution of better treatment paradigms with faster and more beneficial outcomes for patients who suffer from this condition.
The fact of the matter is there are some patients — and with grading we know who they are — who will not get relief with lesser invasive or conservative techniques. For example, a patient who has a symptomatic plantar fascia, which measures greater than 7.5 mm in thickness with a severe hypoechoic signal intensity (Grade IV C), will not likely benefit from anything less than a fasciotomy.12 In my experience, this even includes treatments such as ultrasound guided partial plantar fasciectomy with autologous platelet concentrate (APC+) and ESWT. There is also a high level of association of nerve entrapment with plantar fasciopathy and the use of modalities such as the Pressure Specified Sensory Device (PSSD) proves extremely valuable in determining the true pain generators responsible for a patient's heel pain.13-16
Certainly, much of the controversy over the use of plantar fasciotomy to treat recalcitrant plantar fasciosis (plantar fasciitis) stems from potential biomechanical consequences. Additionally, prior to the introduction of endoscopic and minimally invasive techniques, open heel "spur" surgery had significant postoperative morbidity, which made the use of fasciotomy a last-ditch attempt to treat the patient with plantar heel pain due to fasciosis. The severe postoperative morbidity also masked many of the biomechanical sequela, such as lateral column stress, simply because the surgery was associated with so much pain the patient, in many cases, could not walk for months. Accordingly, this eliminated signs of biomechanical breakdown.
Many foot specialists would advise folks that they were better off suffering from their condition as opposed to possibly developing a painful amputation neuroma of the medial calcaneal nerve or being off their feet for a year or more. I was certainly in that camp prior to developing the EPF because I had seen such horrific situations after open heel surgery in my residency training.


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Top 10 Most Comfortable 2012/2013 Cars Under $30,000
Top 10 Most Comfortable 2012/2013 Cars Under $30,000 – A luxury car is not always a comfortable car. There are many low to medium prized cars that have comfortable to ride. Whether you're looking for a soft, quiet highway ride, supportive seating or sheer roominess, you can indeed have it all for less than $30,000. There are the list of Top 10 Most Comfortable 2012/2013 Cars Under $30,000 by KBB.com.
10. 2012 Ford Taurus
The 2012 Ford Taurus is a supportive car with spacious seating for five.It's also features a hushed cabin and a suspension that soaks up potholes. The 2012 Taurus price starts at $26,350 MSRP.
9. 2012 Chevrolet Cruze
The 2012 Chevrolet Cruze features triple-layered door seals, an acoustic-laminated windshield, and wheel-well liners for a quiet cabin. There are available supportive front seats matched with perhaps the smoothest highway ride in the segment. The 2012 Chevrolet Cruze price estimate at $17,595
8. 2012 Buick Verano
The 2012 Buick Verano is more quiet and comfortable than the old Verano. The 2012 Verano features a hushed cabin and compliant yet controlled ride. The 2012 Buick Verano price is at $24,670 MSRP.
7. 2012 Toyota Camry
The 2012 Toyota Camry is a smooth-riding car that now quieter on the highway and nicer inside than ever with more in-cabin technology. It's a great comfortable car for modern buyers. The 2012 Toyota Camry price available at $22,815 MSRP.
6. 2012 Buick Regal
The 2012 Buick Regal is one of most comfortable cars. It's as quiet and smooth as any Buick should be. The 2012 Regal is sport-tuned car that powered by a 270-horsepower. The price of 2012 Buick Regal starts at $29,375 MSRP.
5. 2012 Honda Odyssey
The 2012 Honda Odyssey delivers a level of comfort that exceeds any minivan in the category. Boasting class-leading interior volume, generous legroom for all rows of seats and a supremely quiet cabin. This 2012 Honda Odyssey minivan price starts at $29,205 MSRP.
4. 2012 Subaru Legacy
The 2012 Subaru Legacy is supportive car with well-bolstered seats grip bodies. Ir's features a spacious interior, easy-to-navigate controls and good visibility. The 2012 Legacy is one of recommended car that has great comfortable. The 2012 Subaru Legacy price starts at $20,745 MSRP.
3. 2012 Volkswagen Passat
The 2012 Volkswagen Passat comes with superior driving dynamics and comfort ride. It's one of most comfortable car under $30,000. The 2012 Volkswagen Passat price available at $20,765 MSRP.
2. 2013 Chevrolet Malibu
The 2013 Chevrolet Malibu is one of most comfortable car under $30,000. It's offering the practicality and affordability of a typical midsize sedan. The 2013 Malibu features a roomy, upscale cockpit and a suspension system. the 2013 Chevrolet Malibu price starts at $26,095 MSRP.
1. 2012 Chrysler 300
2012 Chrysler 300 is the top recommended comfortable car under $30,000 from our list. It's a big, rear-drive, and a American sedan. The 2012 Chrysler 300 is a quiet, stylish, comfortable, well-appointed luxury sedan. It's also features a big 8.4-inch touchscreen, a keyless entry and start and dual-zone auto climate control.


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Profile Info
- Gender:female
- Member since:April 29, 2010
- Last Broadcast:July 26, 2013
- Sexual Preference:bicurious
- Relationship Status:committed
- Age: 27
- Location: United Kingdom
- Spoken language(s):English
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- Drink:regularly
- Body Type:slim/petite
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- Hair Length:long
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We are looking to get back into Cam4 after a few years away, can't wait to show ourselves off again. We are into group sex, send us a PM if you live in the UK :)
Sex Questionnaire
Do you enjoy cyber-sex? yes
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Do you enjoy oral sex? yes
Do you enjoy anal sex? yes
Do you enjoy porn movies? yes
Are you interested in sex with multiple partners? very
Do you enjoy BDSM? yes
What other types of sex are you interested in? lots!
What is your favorite sexual fantasy? threesome with a guy in a public place.
What do you look for in a sexual partner? filthy mind!
Who is the one person you would most like to have sex with? hmmm
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Boca Raton Luxury Lifestyle 101
Picturesque white sand beaches, the intracoastal waterway perfect for boating, year-round golf and tennis, fine dining, Boca Raton luxury real estate and shopping are just a few of the Boca Raton luxury lifestyle amenities that come with living in Boca Raton Florida. Located on South Florida's East coast, Boca Raton is within a short drive to the bustling cities of West Palm Beach, Fort Lauderdale, and Miami. In Boca, you can live the Miami lifestyle without the hindrances of living in a large metropolitan city. Boca Raton is the ideal place for those looking to live the relaxing South Florida lifestyle with that five star sophistication. So whether you are looking to live in one of the many luxury condominiums in Boca Raton or considering one of the glorious Boca Raton luxury homes overlooking the Intracoastal Waterway, or perhaps you're just visiting our beautiful City from up North or Overseas, enjoy the following overview of the Boca Raton Luxury Lifestyle you've probably heard so much about.
Beaches and Boating: Boca's Best Assets
Much of the allure of living in South Florida comes from the close proximity to the Atlantic Ocean and its beautiful beaches. Living in Boca Raton, you are never more than a short drive from the Intracoastal Waterway and Atlantic Ocean. Within the city, there are three oceanfront parks with beach access. The majority of the beaches of Boca Raton are free of any structures; they are left in a natural state of dunes and plant life. In some areas, the beaches are so quiet and natural that they feel private. Best beach for the kids is Red Reef Park and also try Spanish River Park – both have ample parking – best kept secret in Boca Raton is the annual Beach Parking Pass available from the City of Boca Raton – cost is currently $45 for the year (good for all City of Boca Raton Beach Parking). There are many Boca Raton luxury homes located on historic A1A that do offer private beach access. In Boca Raton, you can literally have the Atlantic as your backyard. One of the best ways to experience this pristine coastline is by boat. From the privacy of your own vessel you can cruise the Intracoastal Waterway and even venture out into the Atlantic as you pass some of the finest Boca Raton luxury real estate and some magnificent Boca Raton luxury homes. Being on the East coast, the sunrises are breathtaking when experienced from the shoreline. Many residents enjoy a leisurely walk, while others swim, bike, meditate and do yoga with the brilliant sunrise as their background.
Play Time: Luxury Golf Course Communities and Tennis Clubs
Florida is home to the most golf courses in the United States and also the home of Golf in America – The PGA National Resort, and is famous for its golf lifestyle. The most luxurious of these courses are in South Florida; Boca Raton being no exception. In Red Reef State Park there is an oceanfront golf course where you can tee off practically on the beach. The Royal Palm Yacht and Country Club even boasts a Jack Nicklaus signature golf course. There are countless other golf courses and country clubs in the city of Boca Raton as well as in the surrounding areas, for example – St. Andrews, The Country Club At Boca Raton, Boca Teeca, Mizner Country Club, Boca West with 5 golf courses, Boca Grove and numerous others for the golfing aficionado.
Tennis is another very popular activity for the residents of South Florida. There are numerous public courts (Patch Reef Park, The Swim and Racquet Club of Boca Raton with both clay and hard courts and The Tennis Center at Boca Raton) as well as private clubs, such as Boca Bath and Tennis Club and the Boca Raton Resort and Club. The USTA training headquarters is located in the city of Boca Raton. Many tennis clubs offer lessons and teams to play on. There are even USTA leagues to play on in Boca Raton, and of course, Chris Evert has her own academy based here and Andy Roddick has a Boca Raton luxury home. If your sport is golf or tennis, Boca Raton offers many opportunities for you to perfect your technique and play the game.
Dining at its Finest
Whether you crave authentic American cuisine, traditional Italian, Asian flavors or the absolute freshest seafood brought straight from the Atlantic to your table, Boca Raton has a restaurant for you. Offering some of the highest rated dining in South Florida, Boca serves as a culinary tour of some of the finest flavors of the world. A hotspot for bars, live music, upscale shopping, and fine eateries such as Ruth's Chris Steak House, Mizner Park is a popular destination. On any given Friday or Saturday night, Mizner Park is bustling with residents of Boca Raton enjoying the music, bars, and delicious restaurants. Some Boca Raton luxury restaurants that we love include: Trattoria Romana; Arturo's Ristorante; Seasons 52; Abe & Louie's
Luxury Shopping Destinations
All the most luxurious shopping destinations are in your backyard when you live in Boca Raton. Unique boutiques, large department store chains, designer brands of all kinds as well as specialty retailers can all be found within city limits. Not to be forgotten, you are just a short drive away from the shopping experiences of West Palm Beach, Fort Lauderdale, and Miami. No matter what you shop for, Boca Raton has a bit of everything. The Town Center Mall off Glades Road and Saint Andrews is definitely an all-day event! Some luxury brands that have stores at The Town Center Mall include Cartier, Tiffany's, Sacks Fifth Avenue, Louis Vuitton and Armani– Try lunch at Mariposa in Neiman Marcus (2nd floor) – casual elegant fare. Mizner Park also has some luxury shopping and wonderful boutiques and pay a visit to the Old Crocker Center (now called The Boca Center).
Experience the Art and Music of Boca Raton
Boca Raton has its own art museum conveniently located in Mizner Park. Attached to the museum is an amphitheater where there are concerts throughout the year. Just a short drive away from Boca Raton is the Bank Atlantic Center where many of the world's most famous acts and musicians play concerts for you to enjoy. If you wish to experience fine art and music, Boca Raton is the place for you.
The luxury Floridian lifestyle can only be truly experienced in South Florida. Away from the noise and commotion of the metropolis that is Miami, Boca Raton offers something for everyone. Whether you desire to boat, experience the Atlantic Ocean, play golf, tennis, dine, shop, or experience art and music, Boca Raton is the place to be.
Boca Raton Luxury Real Estate
Boca Raton luxury Real Estate is unparalleled – whether you are looking for a Boca Raton luxury condominium overlooking the Atlantic Ocean or a premier estate property on the Intracoastal Waterway, Boca Raton luxury homes and luxury condominiums in Boca Raton are frequently featured in luxury magazines and travel shows for a reason – the opulence, splendor and eye-catching architecture will enamor you, and the resort style amenities will endear you. Some wonderful Boca Raton luxury condominium developments and Boca Raton luxury Apartments that literally have to be seen to be believed include: Luxuria Boca Raton, One Thousand Ocean, Excelsior Boca Raton, The Addison, The Aragon and Beresford. If Boca Raton luxury homes rather than luxury condominiums in Boca Raton is more your style, then no visit to Boca is complete without visiting some of the following Boca Raton luxury real estate communities: Royal Palm Yacht and Country Club; St Andrews Country Club; Le Lac; Lake Rogers; Old Floresta; Boca Bay Colony, Harbour East, Blue Inlet, Boca Marina & Yacht Club and The Sanctuary Boca Raton
For additional information please call our Office at 561-395-8418 and ask for Gia Freer or Grant Freer, or email us at: firstname.lastname@example.com


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Sonnet Technologies Tempo set E4P drivers
Filename: Driver_son_tec_tem_set_e4p.exe We would advice to use a new Sonnet Technologies Tempo E4P driver for your device what's available. Don't forget to check from time to time for a new Tempo E4P Sonnet Technologies driver on our software portal. Make an effort to have a restore system point before your Controller device driver utility was set up. It will be effective if a wrong Sonnet Technologies Controller driver was set. Errors or bugs could be shown up if your Tempo E4P Controller device hardware is out of date or not supported by your vendor - Sonnet Technologies. Here you may find latest Tempo E4P software drivers for your Sonnet Technologies gadget in a Controller category. Check our portal for a latest drivers in Controller devices. Write Tempo E4P driver reviews, download or upload your own in our catalog. Click and download Sonnet Technologies Tempo E4P driver utility for your hardware. Please be advised that all Tempo E4P driver software and utilities are the property of their respectful vendors - Sonnet Technologies. Use only official driver program or utilities for your Sonnet Technologies hardware. OS supported: XP, Vista, Windows 7. Related models: |


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(CHAPEL HILL, N.C.) December 21, 2011 — The National Center for Safe Routes to School announced today the selection of its newest mini-grant recipients — a program made possible through the federal Safe Routes to School program. Twenty-six schools, municipalities and organizations from across the country will receive $1,000 to support projects designed to encourage students and their families to safely walk and bicycle to school. The mini-grant activities, many of which are driven by students, will occur during the spring semester of the 2011-2012 school year.
"This is our fifth round of mini-grants, and we continue to be impressed with how communities can leverage a little bit of funding and a lot of commitment to develop new programs and to build upon strategies that may already be working well," said Lauren Marchetti, director of the National Center for Safe Routes to School. "The community and student leadership recognized here exemplify the forward-thinking mindset that can lead to communities that offer a variety of transportation options."
Safe Routes to School (SRTS) programs are sustained efforts by schools, parents, schoolchildren, community leaders and local, state, federal and tribal governments to enable and encourage more children to walk and bicycle to school. The National Center, which serves as the clearinghouse for the federal SRTS program, received 212 eligible SRTS mini-grant applications from schools and community organizations nationwide during this fifth award cycle. Proposals selected in the highly competitive process distinguished themselves by identifying a need and proposing a sustainable program to address it.
Proposed mini-grant activities include creating peer mentor programs for walking safety, teaching students how to repair their own bicycles and supporting bicycle helmet usage. Some schools will produce student-designed brochures and provide training for volunteers to enhance oversight of children on their way to and from school.
"These mini-grant recipients represent a collection of great ideas and great need," Marchetti continued. "Some proposals were highly innovative, while others used road-tested methods. The flexibility and creativity shown by the communities who develop strategies to increase safe routes is what makes the mini-grant program work so well."
The selected 26 mini-grant recipient organization programs and activities include:
For more information about the National Center's mini-grant program, visit www.saferoutesinfo.org/funding-portal/mini-grants.
Established in May 2006, the National Center for Safe Routes to School assists states and communities in enabling and encouraging children to safely walk and bicycle to school. The National Center serves as the clearinghouse for the federal Safe Routes to School program. The organization also provides technical support and resources and coordinates online registration efforts and provides technical support and resources for U.S. Walk to School Day and facilitates worldwide promotion and participation. The National Center is part of the University of North Carolina Highway Safety Research Center with funding from the U.S. Department of Transportation Federal Highway Administration. For more information, visit www.saferoutesinfo.org.


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Still not sure if you want to delve into Content Marketing? Not quite sure if you have enough content to keep your customers interested? Guess what we all worry about that, you are not alone.
Even if you still aren't sure if this is the best avenue for your company, Content Marketing Institute raises 3 ways that this can actually help to enable sales. I mean the bottom line is we all want to get customers in the door to pay for our services right?
1. Content can be used a preparation tool- Email new content out to your customers or sales reps. Let everyone know what is new, so they can research it and come to your business to buy it.
2. Content can be used as a marketing tool- Here is where you can do testimonials, demonstrations via video, power point slides, slide share. Explain the product out to your audience.
3. Content can be used as an analytics tool- Find out where your customers are. Are they online reading emails, are they focused on videos and presentations, or are they on social media. Great way to target your core audience.
So who is not afraid of a little online content marketing? Let's try it together!
3 Ways Online Content Marketing Can Do More to Enable Sales.
Related articles
Content Curator Laurie Thompson
Laurie Thompson is the ship's captain at SiteMast, where WordPress and Social Media meet. She obtained SiteMast over a year ago, and is thrilled to keep SiteMast's legacy going for the coming years. Originally, SiteMast dealt with WordPress only, but slowly and surely the boat is sailing into the busy waters of Social Media. Laurie's goal is to help smaller companies dive into the WordPress and Social Media waters, and have a smooth sailing experience.


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The Lightning Jordan 4, previously pulled from a rumored March release, has been tentatively confirmed to release November 16th, 2013.
Originally releasing in 2006 as part of a package including a T-Shirt, original retail was $250. Today, deadstock pairs fetch over $700, though after the Thunder 4 re-release, prices fell as collectors dumped pairs for fear of a re-retro.
With today's news, prices are most likely going to fall once again, as more of these sought after Jordan 4s will become available in the coming months.
Cop or not? Let us know with a vote!


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Unpredictable hours, short staffing in some offices while others are not billable. Industry focus to each office makes cross-staffing difficlt (eg. if we have a pharma client, we likely cannot staff someone in the energy practice on our project)
Given a small local office, work/life balance can be difficult and unpredictable when resources are scarce. Events related to the economic downturn have made the overall work experience significantly less pleasant (lay-offs, salary cuts, etc.)
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Vineyard Haven , Massachusetts
Tel: 800 332 1236 (toll-free)
Tel: 508 693 3333
Concierge.com's insider take:
Set on two and a half wooded acres, this romantic retreat is great for couples. (Children aren't forbidden, but they're discouraged; and there's a strict double-occupancy rule, so if you are bringing the kiddies, be prepared to rent an additional room.) This place is decidedly not for fans of contemporary furnishings: It's antiques all the waysometimes to the point of mustiness. And while the inn now has Wi-Fi, which is, at least, a nod to the 21st century, a slight overall refreshing would be a good idea. Three buildings house 14 large rooms with four-poster beds, wood-burning fireplaces, whirlpools, and balconies; room 1 has a hot tub on a private screened porch and several have a private entrance. The main 1908 classic Craftsman-style bungalow once housed guests of the estate's owner, John Herbert Ware, a Chicago grain merchant. Carriage-house rooms are more secluded, but for absolute solitude, ask for the private cottage with its own deck and garage. Fuel up with hearty egg and cheese strata or cheddar French toast in the two dining rooms, or continental breakfast in bed (just don't expect a mimosa, as Vineyard Haven is a dry town).
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Cooked/Leftover Chicken Ideas
jump to the recipes
These recipes are a great way to use up leftover cooked chicken. Budget tip: buy family size packages of chicken breasts. Cook all the chicken when you are making dinner and reserve the extra to use in these recipes. Simply chop or dice and you are ready to make dinner.
Made with cheddar cheese, salsa, sour cream, flour tortillas, chicken breast, bell pepper, tomato, onion, non-stick cooking spray
Use up leftover cooked chicken in this simple casserole dish made with spiral pasta, mayo, mixed veggies, and cheddar cheese.
microwave, stovetop
Made with milk, refrigerated crescent rolls, cooked, cubed chicken, cheddar cheese, cream of chicken soup, cream of mushroom soup
oven, stovetop
Made with cheddar cheese, flour tortillas, cream of chicken soup, ranch dip, green onions, chicken, buffalo wing sauce
A tasty kid-friendly casserole made with cooked chicken or turkey, mixed vegetables, chicken soup, and topped with tater tots. Grownup-friendly too.
stovetop, oven
Made with black pepper, chicken broth, chunk chicken, egg noodles, Colby-Jack Cheese, poultry seasoning, salt
stovetop, oven
Made with sugar, salt, baking soda, vegetable oil, buttermilk, egg, cooked chicken breasts, yellow onion, celery
oven, stovetop
Made with cooked chicken, egg noodles, condensed cream of chicken soup, milk, Parmesan cheese, black pepper
Made with almonds, chicken broth, chicken, onions, celery, brown rice, white wine
crock pot
Made with black pepper, cooked chicken, chicken broth, dried basil, vegetables, noodles
Made with French fried onions, chicken, cream of chicken soup, water, instant rice


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In the top of a double boiler melt ½ cup butter, Stir in 1 Cup flour, and cook the toux slowly for a few minutes but do not let it take on color. Gradually add 4 cups of the strained lobster broth, stirring constantly until the sauce reaches a boil, and cook the sauce over gently boiling water for 1 hour. Strain the sauce, and add the coral and the tomalley, 1 cup cooked artichoke bottoms. quartered, ½ cup Sherry, and salt, pepper, and lemon juice to taste. Add the tail meat. If the sauce is too thick, add ½ cup hot cream.
Arrange the lobster meat from the body shells on a large flat serving platter and cover it with a trellis of the following herbed puff pastry: Follow the directions for puff paste (June, 1958), making 3 turns and sprinkling the dough with 1 tablespoon mixed, parsley, dill, and tarragon, all finely minced, each time it is rolled out. After chilling the dough for the last time, toll it out ¼ inch thick, cut it into ¼-inch strips, using a limed pastry wheel, and twist each pair of strips together to make long double strands.
Measure the platter on which the lobster will be served. On a wet cooky Sheet, lay twisted strips of puff paste to approximate an outside border for the lobster platter. Lay diagonal strips across the outside Strips from top bottom and from side to side to make a lattice-work of paste. Press down well at all edges and joints and bake the puff paste in a very hot oven (450° F.) for 10 minutes. Reduce the heat to moderate (350° F.) and continue baking the puff paste until it is brown. Cool the puff paste, loosen it carefully from the cooky sheet, and slide it onto the lobster platter. Place the claw meat in the openings of the trellis, and decorate the other openings with parsley. Serves 12.
Kalbsbraten Tberesia (Noisettes of Veal with Pill6)
Select 2 or 3 noisettes of veal, or 2 boned veal loins. If loins are used, roll and shape them into 2 cylinders and tie them with rows of string, knotting each string separately so that the meat may be cut into small round slices. Cover the bottom of a roasting pan with slices of larding pork and cover these with a layer of carrots and onions, both sliced. Lay the veal on the vegetables and add a sprig of parsley. Place the veal in a hot oven (425° F.), add 2 cups stock, and toast the meat until it is brown. Add 3 cups more stock and 1 cup light white wine, and cover the meat with buttered paper. Reduce the heat to moderately slow (325° F.) and continue roasting it. basting it Frequently until it is done, about 2 hours in all. Remove the meat from the roasting pan. boil the stock until it is reduced by half, and strain it. Keep it warm to serve as a sauce.
Untie the meat and carefully cut it crosswise in even ½-inch slices. Lay a slice of hot leber parfait between each 2 slices of veal, reconstructing the loin shape, and lay an overlapping line of very thin lemon slices along the ridges of the roasts. Dust the meat very generously with 1 cup roasted slivered almonds and ½ bunch of parsley, fried in butter, return it to the oven for 5 minutes, and serve it immediately with the hot stock in a separate sauceboat. Serves 12,
Leber Parfait (Calf's Liver pâté)
Wash 2 pounds sliced calf's liver and 4 chicken livers and wipe them dry. Sauté 1 chopped onion in 2 tablespoons melted butter, add the livers and 2 ounces Sherry, and cook the mixture, covered, for 10 minutes. Drain the livers, reserving the pan juices, and put them through the finest blade of the food chopper with 2 slices of crisp bacon. Mix in the reserved pan juices, 1 tablespoon soft butter. 2 slices of bread, soaked in milk and pressed dry, 2 eggs, and salt, pepper, and grated lemon rind to taste. Press the mixture into a long narrow buttered mold of approximately the same diameter as the veal slices. Cover the mold and steam the pâté in a kettle of boiling water for ¾ hour. Cool it slightly before slicing.
Spargelkobl Roulade (Broccoli Roll)
In a saucepan melt ½ cup butter, add 1 small onion, chopped, and stir it over low heal until the onion is transparent. Add ¾ cup Hour and stir until the flour is golden. Remove the saucepan from the heat and add 1 cup warm milk, stirring until the mixture is smooth. Return the pan to the stove and simmer the sauce, stirring constantly. until it thickens. Cool the sauce for 5 minutes and beat in 4 egg yolks. Add 1 ½ cups pureed cooked broccoli and Salt and pepper to taste. Fold in 4 stiffly beaten egg whites and ½ cup grated Parmesan.


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Today's guest is Plain Dealer reporter Tim Rogers, who's leading a contingent of PD reporters and editors and local golfers on our second annual Summer Solstice Golf Challenge at Sweetbriar Golf Club in Avon.
Joining TR are local golfers Brandon Archibald of Painesville, Dorothy Kasper of Cleveland Heights, Rick Slovenec of Hinckley and Josh Bernhofer of Middleburg Heights.
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The PD hackers -- and we use the term both accurately AND loosely -- are Rogers, columnist Bud Shaw, Assistant Sports Editor Kristen Davis and all-around writer Dennis Manoloff.
They will be playing more than 16 hours, and you can follow every bad shot along the way at cleveland.com/golf and on Twitter at hashtag #solsticegolf.
SBTV returns Thursday with Joe Kotoch of probasketballdraft.com.


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quote:according to whose expectations
quote:continue to exceed expectations
quote:He had to have SOME leverage right?
quote:"I would be foolish to leave," he said.
quote:LSU under Les Miles is one of the most overrated teams in the nation. Rivals did an article a while back. Les disappoints yearly, finishing lower than where he starts in the preseason.
quote:Where they start vs where they finish and LSU under Miles is one of the most overrated teams in the nation.
quote:See my sig quote.....
quote:yes, his leverage is his record, the recruiting pipeline and the knowledge that, if he left, LSU would end up having to decide between Houston Nutt and Tommy Tuberville as it's next coach
quote:according to this site, LINK, LSU under Miles has finished post-season vs. pre-season... 2005 +1 2006 +6 2007 +1 2008 -17 2009 -7 2010 +11 2011 +3 So I'd say Rivals is full of shite...
quote:Really? His record isn't LEVERAGE. He is doing what he was under contract to do already.


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Hello everyone, My name is Kom and this is my first time here in the literature section. It's been a year now since I first came to the web and I've been visiting SNAFU on a regular basis since. I spent my time here quite a lot, mostly reading PPGD, GT , sometimes I clicked into the forum section to kill time. Anyways, I just stumbled into this section of the forum just hours ago and decided to stick around a little. After I read a number of threads here, I found this place to be one interesting community and found myself wanting to join it. I've been writing some short stories on my free time, but didn't have a place to share it. Well I did posted some stuff on Wattpad but I didn't really check it as much as I do here, and since I'm going to be here for some time, I think I should give it a go.
Truthfully, I'm not much of a writer myself and my English is not that good, but I'm going to improve those shortcomings eventually. So please, if there's anything wrong with my grammatical structure, or if my story seemed weird to the point of incomprehension, don't hesitate to point it out, it would be greatly appreciated. I hope you enjoy what I'm going to post here, and have a good day


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Golden Tulip Delhi-Chattarpur is an upscale hotel with five star facilities, in the vicinity of famous Chattarpur Temple. Spread over three acres, the hotel is a perfect blend of well appointed rooms, conference halls and lawn.
A range of 34 exquisitely designed rooms and suites overlooking the pool or garden area and tastefully done in contemporary design. All the rooms are well equipped with modern amenities of international standards.
Affiliate of Groupe du Louvre, which is owned by Starwood Capital Group private equity firm, Louvre Hotels Group currently has a portfolio of 7 brands, ranging from 1 to 5 stars. After forging a strategic alliance with Golden Tulip Hospitality Group, Louvre Hotels Group has become the 2nd largest in Europe and 8th largest hotel chain in the world, with 1072 hotels offering 83,000 rooms in more than 40 countries.


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2011 Archive
Tarot Card For November 6, 2011
Three Day Planet Forecast Past-November 4, 2011 Safina's Choice-The High Priestess Present-November 5, 2011 Planet Venus Inconjunct Planet Jupiter: Planet Venus (represents love), The Inconjunct (represents that both Venus and Saturn do not want to form a relationship with each other), Planet Jupiter (represents good fortune). What does this all mean? Relationships are stressed and more
Tarot Card For November 5, 2011
Three Day Planet Forecast Past-November 3, 2011 Planet Venus Trine Planet Uranus: Planet Venus (represents love), The Trine (represents harmony and acceptance); Planet Uranus (represents new beginnings and sudden changes). What does this all mean? We are ready to move forward and take new risks. We are not ready to commit to anything because we more
Tarot Card For November 4, 2011–Safina's Choice
Source: Copyright-U.S. Games Systems, Inc. The High Priestess is connected to the Moon, that ephemeral ruler of the ocean's tides and of our emotions that change and fluctuate just as the Moon itself. During the changing phases of the Moon, we may receive mixed messages between our heart and our mind and this red flag more
Tarot Card For November 3, 2011
Three Day Planet Forecast Past-November 1, 2011 Planet Venus Square Planetoid Chiron: Planet Venus (represents Love); The Square (represents tension); Planetoid Chiron (represents the wounds from the past). What does this mean? We are not sure if we want to invest the time re-kindling a relationship or the relationship from the past. Planet Venus squares more
Tarot Card For Today
Three Day Planet Forecast Past-October 31, 2011 Planet Venus Square Planet Neptune: Planet Venus (represents love); The Square (represents tension); Planet Neptune (represents illusion and mystery). What does this all mean? Love relationships are going through highs and lows, the ups and downs, endings and new beginnings. Planet Venus squares planet Neptune and stirs up more
The Blue Dinosaur
My Experience With The Lovers Tarot Card In the fall of 1999, my brother was living with me and nagging me on a daily basis to start dating again. He would say, "Sis, it's about time that you got back out there again!" He suggested that I put an ad in the personals to find more
The Ace of Cups
Source: Copyright-U.S. Games Systems, Inc. The Ace of Cups is connected to the element of water and the zodiac signs of Cancer, Scorpio, and Pisces. Water signs lead with their heart and they are emotional, secretive, intuitive, and healers. The Story Of The Ace Of Cups Tarot Card And Symbol Interpretations The "Ace of Cups" more
February Song
© Mackon | Dreamstime.com I Heard A Voice Say, "You Need To Buy A New Music CD!" As I remember, it was the month of January when my guides told me to go buy a new music CD. I wondered why, since I had just bought new CDs. But my guides continued to prompt me more


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Danielle Mercatante Carrick, Ph.D., M.H.S.
Program Director, Host Susceptibility Factors Branch
- Telephone: (240) 276-6749
- Fax: (240) 276-7921
- E-mail: firstname.lastname@example.com
Epidemiology and Genomics Research Program
Division of Cancer Control and Population Sciences
National Cancer Institute
National Institutes of Health
9609 Medical Center Drive, Rm. 4E224, MSC 9763
Bethesda, MD 20892
(For express delivery, use Rockville, MD 20850)
Interest Areas
- Immunology, infectious diseases, and autoimmune diseases associated with cancer risk
- Pharmacoepidemiology and pharmacogenomics in relation to cancer risk
- Biospecimen research
- Translational medicine
- Ph.D. - Pharmacology
University of North Carolina at Chapel Hill - M.H.S. - Clinical Research
Duke University - B.S. - Biology
University of Richmond
Dr. Danielle Mercatante Carrick is a Program Director in the Host Susceptibility Factors Branch (HSFB). She is responsible for managing a research grant portfolio related to genetic and immunologic factors that influence personal susceptibility to cancer.
Dr. Carrick has worked for more than 14 years as a molecular pharmacologist and clinical researcher with experience conducting epidemiological, biomedical, genetic, and pharmacological research studies with a focus on cancer, biospecimen science, autoimmune diseases, infectious diseases, immunology, and transfusion medicine. Prior to joining EGRP, she worked for seven years at Westat, Inc., serving as Co-Deputy Project Director and Biospecimen Lead for the National Cancer Institute's Prostate, Lung, Colorectal, and Ovarian (PLCO) Cancer Screening Trial and Epidemiologist for the National Heart, Lung, and Blood Institute's Retrovirus Epidemiology Donor Study II (REDS-II).
Dr. Carrick completed her post-doctoral training as an Intramural Research Training Award (IRTA) Fellow in the Office of Clinical Research at the National Institute of Environmental Health Sciences (NIEHS). She conducted studies to examine potential genetic associations with cancer, autoimmune disorders, asthma, and congenital hydrocephalus and to develop laboratory tests that measured immune regulator gene expression levels in whole blood and monocytes in response to environmental factors. While at NIEHS, Dr. Carrick was selected to receive training in epidemiology through the NIH-Duke Training Program in Clinical Research.
Delwart E, Slikas E, Stramer SL, Kamel H, Kessler D, Krysztof D, Tobler LH, Carrick DM, Steele W, Todd D, Wright DJ, Kleinman SH, Busch MP; NHLBI-REDS-II Study Group. Genetic diversity of recently acquired and prevalent HIV, hepatitis B virus, and hepatitis C virus infections in US blood donors. J Infect Dis. 2012 Mar 15;205(6):875-85.
Kleinman SH, Triulzi DJ, Murphy EL, Carey PM, Gottschall JL, Roback JD, Carrick D, Mathew S, Wright DJ, Cable R, Ness P, Gajic O, Hubmayr RD, Looney MR, Kakaiya RM; National Heart, Lung, and Blood Institute Retrovirus Epidemiology Donor Study-II. The Leukocyte Antibody Prevalence Study-II (LAPS-II): a retrospective cohort study of transfusion-related acute lung injury in recipients of high-plasma-volume human leukocyte antigen antibody-positive or -negative components. Transfusion. 2011 Oct;51(10):2078-91.
Carrick DM, Norris PJ, Endres RO, Pandey S, Kleinman SH, Wright D, Sun Y, Busch MP; National Heart, Lung, and Blood Institute Retrovirus Epidemiology Donor Study-II. Establishing assay cutoffs for HLA antibody screening of apheresis donors. Transfusion. 2011 Oct;51(10):2092-101.
Carrick DM, Blackshear PJ. Comparative expression of tristetraprolin (TTP) family member transcripts in normal human tissues and cancer cell lines. Arch Biochem Biophys. 2007 Jun 15;462(2):278-85.
Carrick DM, Chulada P, Donn R, Fabris M, McNicholl J, Whitworth W, Blackshear PJ. Genetic variations in ZFP36 and their possible relationship to autoimmune diseases. J Autoimmun. 2006 May;26(3):182-96.


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This morning we saw Bill Plaschke get the vapors over Yasiel Puig "clearing benches, raising tempers, risking everything" in "a first-inning plunking incident that nearly started a brawl." This was bad, see, because the brawl could've injured someone or gotten someone suspended and represented an irresponsible loss of cool. Bad, Puig. BAD, BAD Puig!
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Information about the Lost and Found Policy is available here or you can contact the Information Desk at 480-965-5728.
Lost something? Feel free to report it using the form below.
If we have received an item and it matches your description,we will do our best to contact you.Please be as descriptive as possible so that we can distinguish your item from the many similar items we receive.Please note: You will only be contacted if we believe that we have received your item.
Proper identification and a physical description is required to claim items from the Lost and Found.
The Memorial Union information desk serves as the campus wide lost and found and all lost items eventually make their way to our lost and found. To claim a lost item, a physical description and a valid ID card is required.
Please note: Some departments/buildings may keep lost and found items from their respective areas for a short amount of time before it is turned in to the Memorial Union information desk. Please feel free to check the department/building where your item might have been lost.
Every item is logged into our database with an adequate description and it is automatically assigned a number. Every effort is made to identify the owner of an item so that the owner may be contacted.
All items are held for up to 90 days, after which they are audited and donated to a charitable organization in compliance with state law.
Last updated: August 19, 2010 by Memorial Union WebTeam


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Politicians and celebrities are increasingly turning to reputation management companies to push out unwanted search results that reflect on them in a negative way.
A reputation management company has reported a 70 percent surge in British politicians, businesses, and pop stars who are secretly using its services to push out unwanted "damaging" information.
Over 90 percent of web users go straight to search engines when looking for information. As such, for people or businesses that depend on reputation, it's awkward for them when unwanted details are near the top of search results - whether they are true or not.
The claim, from reputation management company Veribo, says its work covers "global household names", including international businesses and "public figures and executives for whom protecting their online reputations is worth millions of pounds".
Veribo's CEO, Roei Deutsch, is Israeli Minister of Finance Yair Lapid's top new media advisor, and has cultivated a Facebook following for the politician.
A spokesperson for Veribo told TechEye, in brief, what the company does.
"In short, Veribo uploads and promotes relevant content and websites while pushing down unwanted search results," the spokesperson said. The company does this "by creating content and websites that will overcome existing results and blend in naturally in the individual's search results page.
"Veribo push down unwanted search results by pushing up positive or neutral ones," the spokesperson said. "They create relevant content and use their special tools to promote and optimise it along with the existing content that the individual is happy to showcase".
The spokesperson said the company mainly works on search engines to alter the visibility of search, rather than affecting actual content.


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The Washington Post informs us Sunday that the Air Force will soon be deploying new drone surveillance technology that the military claims will enable movements across an entire town to be monitored "in real time". Of course, there are significant questions about just how this technology will be of value, and the Post does a good job of pointing out the challenges that lie ahead in employing the technology. In the typical combination of hubris and unintended comic relief that has come to characterize the US military of late, the technology has been named "Gorgon Stare", under the assumption that the mere viewing of it by those being watched will turn them to stone, but Gorgon also means "anything very ugly or horrid", matching US policy and actions in the areas where it will be employed.
The Post describes the new system:
The system, made up of nine video cameras mounted on a remotely piloted aircraft, can transmit live images to soldiers on the ground or to analysts tracking enemy movements. It can send up to 65 different images to different users; by contrast, Air Force drones today shoot video from a single camera over a "soda straw" area the size of a building or two.
Of course, with so much data arriving, it is impossible to provide "real time" analysis, and the Post points this out:
Questions persist, however, about whether the military has the capability to sift through huge quantities of imagery quickly enough to convey useful data to troops in the field.
Officials also acknowledge that Gorgon Stare is of limited value unless they can match it with improved human intelligence – eyewitness reports of who is doing what on the ground.
And the Air Force is going to the "best of the best" for help in sifting through the mountains of video, as the Post reports that both ESPN and reality shows were visited while the system was being developed.
Furthering the comedy, here is an academic definition of Gorgon:
1. (Gr. Myth) One of three fabled sisters, Stheno, Euryale, and Medusa, with snaky hair and of terrific aspect, the sight of whom turned the beholder to stone. The name is particularly given to Medusa.
2. Anything very ugly or horrid.
Has Google been disabled on Air Force computers?
Just to remind us that this extremely expensive equipment will be at risk, Iran is claiming on Sunday to have shot down two drones. The one thing we can rely on as the Gorgon Stare technology is implemented is that taxpayers will be paying a lot more money for each drone that is lost.


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Alabama city plans upgrade of police radio system
An Alabama town plans to overhaul its police communications system in the next two years at an estimated cost of about $1.5 million.
The Tuscaloosa News reports (http://bit.ly/TH1qJZ) that Northport's communication system has had a hard time keeping up as the city limits have grown.
City Administrator Scott Collins says the existing radio system still works, but there are dead spots in some parts of the city.
Collins recently told the City Council that it doesn't work as well in the northern part of the city or in areas with deep hills or valleys. He said that in those areas, officers keep a backup two-way radio for communication just in case.
Also, Northport's current system can't be used to communicate with Tuscaloosa police or the Tuscaloosa County Sheriff's Department.
Information from: The Tuscaloosa News, http://www.tuscaloosanews.com


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Found the same room at a different price? Tell us, and we'll offer to match it.
De Vere Venues Latimer Place
4 | Self Classified Guest Accommodation | Ratings explained |
Impeccable service and venue excellence is the DNA of our business. It's the De Vere Venues difference - and it's why we're the first choice provider for meeting and training events throughout the UK.
Please note that this is a multi site venue and your room will be allocated on arrival by the venue, furthermore access to the main house is not guaranteed due to private functions - please phone the venue for further information.
* Please note that there may be a limited Restaurant & Bar offering due to private functions, and an alternative Restaurant to the Main House may be used. - Please phone the venue for further information.
* Please note that Ensuite facilities may be shower and not bath.
Complimentary Wi Fi is available in all bedrooms and public areas


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Welcome to Davis Lacrosse Association! DLA runs many youth lacrosse programs, including Fall Ball Sessions, Summer Camps, and a Spring League Teams. Every Spring and Fall, DLA offers a Lacrosse Clinic to introduce the sport to new players.
Here you'll be able to get news, information, schedules, rosters, game results, directions and much more. Check back frequently for the latest information.


text: From cottages to casinos, the Las Vegas we know today may have got its start 70 years ago, the El Rancho Vegas. El Rancho Vegas was the very first hotel and casino on the Las Vegas Strip which opened April 3, 1941. Up until 1942, it was the largest hotel in Las Vegas with 110 rooms. The hotel was destroyed by fire in 1960. In 1982 the former Thunderbird Hotel was rebranded El Rancho Casino, creating some confusion.


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Today the benefits of anti aging are apparent everywhere. Nowhere more than the workplace, where attitudes to think young look refreshed and stay relevant abound. With men staying in the workforce longer and choosing second careers, they're turning to anti-aging treatments for help. The American Society of Plastic Surgeons reports that in 2013 men had 944,000 minimally invasive procedures. The number one service was botox, or as some call it Bro-tox. And three of the top five procedures were anti-aging treatments, including peels microdermabrasion and facials. These services rejuvenate and soften the effect of aging. So are men really sensitive creatures, as it turns out only about their age.
If your looking to vaporize the years away, laser may just be the treatment for you. Over the last few years the request for laser has tripled and the technology just gets better and better. In the quest to look our best lasers are the magic wand to remove scarring, discolorations, and sun damage. Lasers also tighten and re-texturize the skin. Laser treatments focus a wavelength of high energy light on the skin. Different laser types produce various wavelengths, to create different results. One wavelength will treat skin pigmentation while another one will rejuvenate the skin. Lastly, laser is a superpower that is only as good as the providers experience and technique, so check their credentials before you zap away the years.
Fraxel laser treatment repairs damaged skin pixel by pixel with non-invasive microscopic laser columns that affect the epidermis and dermis. There is little downtime because the skin quickly heals itself after this laser skin resurfacing procedure. Fraxel improves texture and pore size, erases unwanted brown spots, smooth's wrinkles around eyes and acne scars and rejuvenates neck, chest and hands. Fraxel laser treatment can help you restore the radiant skin of your youth.
Laser skin resurfacing with the Fraxel laser treatment gives patients the youthful skin they desire without the need for invasive surgery, or harsh chemical peels. Perfect for patients with all skin types, Fraxel treatments are safe, non-invasive methods addressing varying needs for skin repair- from patients looking to maintain and prevent damage to their skin before it happens, to patients seeking a treatment for severely damaged skin. Less aggressive Fraxel treatments for El Paso patients have taken 3 to 6 treatments. Patients with more extensive skin damage from acne, scarring, and sunspots may require more aggressive laser skin resurfacing treatment, which still only requires about one week of healing time.
Source: Dr. Lyle D. Weeks, MD, FACS
The newest research points to a woman's hands as the first area to betray her age. With so many options to look younger, now you can wave goodbye to old hands. With fat transfer you are only a couple of injections away from youthful hands. A small amount of fat is harvested under local anesthetic from your own body, mostly from the stomach and thigh areas. The harvested fat is then processed and re-distributed in your hands, to wipe away a decade. There is no scaring and the results are soft and natural looking, and can last for several years. Fat transfer is also great for plumping facial wrinkles. So wave good-bye to the aging hands of time.
The first quickie injectable bar is here, creating an anti-aging revival. Even doctors and Med-Spa's are in on the action. Now you're just a walk-in away from a new you. A customized treatment of fillers and Botox may be just what the doctor ordered to lift your spirits. These services work in tandem to freeze, lift, plump, and soften facial lines and create a more appealing look. We all know an ounce of prevention is worth a pound of cure, today's injectables are touted as a preventative treatment for aging. When done on a regular basis in moderate amounts they create beautiful results without dramatic proportional changes. So walk-in and walk away to revive your look today.
For patients desiring a minimal incision facelift surgery, the S-lift surgery may be the solution. The S-lift, also called the short scar facelift, can be performed at our office under local anesthesia. By design, S-lift surgery produces 50% less scarring than a traditional facelift procedure. Performing the S-lift under local anesthesia, and requiring 50% less incision makes the S-lift surgery amenable and safe to perform at our local office setting. By undergoing this facelift procedure in our own office, patients can avoid general anesthesia and added expenses from the hospital and an anesthesia provider. Patients can expect improvement from the cheek-bone area down to the neck. The S-lift is of benefit to men and women seeking a less invasive way to achieve a more youthful natural appearance.
S-lift surgery patients often comment on their natural and more youthful appearance, experiencing minimal downtime and a rapid return to normal activities. Patients are also typically pleased with the minimal scarring.
This minimal incision facelift surgery is designed to improve and restore a youthful look to the lower face and neckline in a refined jaw line, a smooth neck and a clean neck line.
Unlike a typical facelift procedure, an S-lift does not restore the area of the cheeks. S-lift surgery primarily focuses on the lower face and neck, and can be performed at the same time as other rejuvenating procedures, such as chemical peels and brow lifts. S-lifts can be performed on a patient of any age, as long as they are healthy.
Source: Dr. Lyle D. Weeks, MD, FACS
Now you can transform yourself without surgery with the revolutionary CoolSculpting procedure. CoolSculpting is a non-invasive way to achieve permanent fat reduction with no downtime. It's called stubborn fat for a reason: no matter how much you eat healthy and exercise, it's virtually impossible to lose those annoying muffin tops, love handles, and belly pooch. CoolSculpting targets fat cells alone, eliminating them in an easy, non-intrusive fashion that exercise and diet can't achieve as quickly or as effectively.
Areas commonly treated with CoolSculpt:
Procedures that use laser, sonic waves and even surgery to remove fat can actually destroy other tissue in the process by burning, shattering or extracting non-fat cells. This requires downtime for your body to heal. Fortunately, CoolSculpting doesn't burn, shatter or extract any cells. Developed by Harvard scientists, FDA-cleared, patented procedure uses a targeted cooling process that kills the fat cells underneath the skin, literally freezing them to the point of elimination. Only fat cells are frozen. Your skin cells remain. No knives. No suction hoses. No needles. No scars. Once crystallized, the fat cells die and are naturally eliminated from your body. In a few months, say hello to a new you.
Source: Dr. Lyle D. Weeks, MD, FACS
The Thermage CPT Procedure is an FDA approved method for tightening skin and smoothing wrinkles. This cosmetic procedure does not require invasive surgery, chemicals, needles, or lasers. Ideal candidates for Thermage CPT have mild to moderate facial laxity. The Thermage CPT procedure can also be used to treat patients who have areas of skin that are still loose after a surgical face lift.
The term "CPT" stands for "Comfort Pulse Technology." With this technology, Thermage has become a much more comfortable and much more effective procedure for skin tightening. There are two ways in which Thermage CPT improves patient comfort. First, instead of one continuous unbroken pulse, the CPT technology breaks up the Thermage pulse into a series of micro-pulses. Second, the CPT technology delivers the Thermage pulses with vibration. The vibration reduces the sensation of heating, which also leads to improved patient comfort.
The greatly enhanced patient comfort allows us to make many more passes over the tissues. Depending on the area being treated, we now make 8-12 passes over the tissues with Thermage CPT instead of the 4-5 passes that we used to make with the earlier generation of Thermage. As a result, Thermage CPT treatments are not only much more comfortable for our clients but also much more effective than the earlier generations of Thermage.
There is no special care needed after treatment, and most patients return to their regular activities immediately.
Source: Dr. Lyle D. Weeks, MD, FACS
Exfoliations role in rejuvenation dates back to 300 BC so there must be something to it! What is exfoliation? It is the removal of the skin's outermost layer using different tools such as pumices, chemicals, topical's and technologies. By lifting the dead skin cells, the lymphatic system and blood flow is increased, this rejuvenates the skin. Many cultures have embraced exfoliation, Cleopatra and the Egyptian's are the first credited for using milk baths that contain natural lactic acid as a way to remove dead skin cells and create a youthful appearance. Today skincare experts continue to use countless forms of exfoliation to give you the royal treatment and a timeless look of youth.
For the past couple of years it's been all the hype! Have you thought about giving juicing a try? For those who aren't so fond of their fruits and veggies, this may be a good solution. There are several health benefits to drinking fresh squeezed fruits and vegetables including protection against disease and cancer. Juicing is a process that extracts juice from the plants tissue. You can have fun with juicing and try out various recipes. Our personal favorite is the green machine which has apples, kale, lemon, cucumber, ginger and celery. The first step is purchasing your juicer today!
Be sure to check in with your local professionals to help promote the best lifestyle possible!
Mean Green-
Are you bothered by your underarm sweat? Do you frequently apply antiperspirant? Are you frustrated over constantly ruining clothes? Are you worried about underarm sweat outbreaks?
Now, there is a lasting solution that can make embarrassing sweat a thing of the past.
Get lasting results with a quick, non-invasive procedure performed in your physician's office.
The procedure uses precisely controlled energy to eliminate underarm sweat glands. Because the sweat glands don't grow back once eliminated, the results are dramatic and lasting.
Other treatment options, including antiperspirants and toxins, aim to temporarily disable the sweat glands for various durations – requiring repeat treatments to maintain effectiveness. And other options involve surgery, which contain inherent risks.
Only the miraDry procedure gives you lasting results with a non-invasive solution.
With the miraDry Procedure, you can get on with your life and leave the burden of excessive sweat behind.
Source: Dr. Lyle D. Weeks, MD, FACS
Whether you are 60 or 20 years old skincare should be important to everyone. Be pro-active now and look into the options as to what you can do to improve your skin today. One treatment we would highly reccomend is microdermabrasion which is still a top requested treatment and no longer just a trend. There are so many amazing benefits to this simple treatment and it has been dubbed the instant face lift. Here are some additional benefits to micro derm:
-It takes as little as 30 minutes to produce lasting results
-Zero downtime and minimal risk
-Painless and requires no needles or anethesia
-Reduces finelines, sun spots/damage, blemishes and acne marks.
-Affordable treatment averaging $100-$200 per session
The science behind microdermabrasion is the spraying of fine particles or crystals resurface the skins outer most layer. This helps speed up your skins own natural mechanism of exfoliating.The earlier systems used a vacuum pressure that drew out impurities within the skin. Newer technologies reverse the vacuum pressure to infuse active skincare ingredients. Either way microdermabrasion can help reverse the signs of aging, so treat the skin your in with Microdermabrasion!!
The topic we are discussig this week is the new generation of skin peels. Better known as the miracle treatments, skin peels can literally peel away the years. Not sure about you, but we spent our youth worshiping the sun and putting on way less sunscreen than we should have. Today we're paying for the damage and a skin peel can certainly help rejuvenate your skin. The myth is that peels have to burn or be extremely aggressive, but truthfully that isn't the case. Peels can range from light, mid-depth and deep depending on what you're looking for.
Chemical peels are now the super exfoliators, the newest combinations use layered enxymes or acids. The ingredients are derived from natural sources such as milk, fruits vegtables and plants. These amazing combos digest and remove the skinds dead surface layer. Why spend over $100 for a cream only to apply it to dead skin?!
Skin cell renewal is a key to anti-aging and youthful appearance, so peel away, and lift off the years!
Want to know more? Here are additional benefits to skin peels:
Be sure to have your skin evaluated by a skin expert prior to trying any of these!
Is your skin looking a little under the weather? In other words, are you fighting acne, blemishes, hormones or stress which can all effect our skins appearance? Aside from the various skin treatments that can help, there are several foods you can eat that can help clear your skin.
1) First, try berries which are jammed with skin clearing antioxidants.
2)Next are tomatoes containing vitamin c that helps tighten your skin.
3) Another food is kale, which has a wide range of vitamins that your body needs regularly.
4) Finally drink your water to flush out the toxins in your body. T
aking care of our bodies and putting in clean healthy foods can really make a difference. Give some of these a try today and clear up your skin! Also, be sure to reach out to your local professional to help provide the best skin care advice for you!
Did you know that our daily dietary habits play a major role in what our skin looks like? Everyone loves to look their best and making your skin glow is always a bonus! Here are some foods you can eat to help make your skin glow.
1) First are pumpkin seeds. You can add them to salads, smoothies or just snack on them.
2) Next, are veggies, broccoli, kale and radishes to name a few contain a number for minerals, vitamins and components benefiting your skin.
3) Another food to try are sweet potatoes which have vitamin c which we all know smooths the wrinkles we all dread.
4) Last, a bonus! Dark chocolate that has an antioxidant reducing roughness in our skin.
Be sure to give these a try today and get your glow on. Also, be sure to visit your local professionals for the best advice on how to get the skin you are looking for.
Never underestimate the power of drinking water! Keeping our bodies properly hydrated has so many amazing benefits including skin improvement. Not everyone is great at drinking water, so here are a few tips to ensure you are properly hydrated to keep your skin looking its best.
1)First, have a glass of water with every snack or meal you have.
2) Another great tip which helps is to carry a re-usable water bottle with you at all times and refill all day.
3)When exercising, drink before, during and after your workout.
4)Drink a full glass of water every time you are hungry. Our body often confuses hunger for hydration.
Remember, hydrated skin is happy skin. Be sure to visit your local professionals in town to help with more tips and advice on how you can improve your skin!
Looking to improve your skin's complexion? Who isn't?! Have you ever thought about how the food we put in our mouths can effect the way our skin looks? Today we have some tips on top foods to try that can help make your skin look beautiful.
1) First is seafood which contains fatty acids that help your skin glow and clear up.
2)Another food to implement in your diet are fruits with vitamin c which helps fight inflammation and produce collagen.
3)Next are green vegetables which have vitamin A that will brighten and smooth your skin.
4)Finally, another food to help improve your skin are nuts that have vitamin E making your skin soft and youthful.
We all want our skin to looks its best so give these food a try!


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This Week at Art MoCo
Anne Faith Nicholls creates paintings so full of seemingly disparate details that one feels as though in a dream.
Judy Ragagli paints the many faces of Barbie.
Fabian Geyrhalter's photos can be incredibly busy or hauntingly stark.
Tithi Kutchamuch reminds us that if we want it to be, a chicken drumstick can be a beautiful thing.
Rocky McCorkle's new series of photos are like stills from a technicolour movie with an old couple in the leading roles. SM
More at Art MoCo.


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Administrative Services
Meetings and Events
Mon Mar 09 @ 6:30PM - 08:00PM City Commission Meeting |
Tue Mar 10 @ 6:30PM - 08:00PM Planning & Zoning Board Meeting |
Wed Mar 11 @ 4:30PM - Youth Advisory Council Meeting |
Employment Opportunities
The City of Alachua is committed to employ, in its best judgment, the most qualified candidates for open positions while engaging in recruitment and selection practices that are in compliance with all applicable employment laws. It is our policy to provide equal employment opportunity for employment to all applicants and employees. Preference will also be given to eligible veterans and their spouses.
The City of Alachua is a drug-free workplace. Selected candidates will be subject to a drug screening and background check as a condition of employment. Employment will be considered provisional until the drug screening and background check are completed. The City of Alachua is an Equal Opportunity Employer. Veterans' Preference will be given to eligible veterans or eligible spouses of veterans.