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Overview | Experience | Hospital Quality | Appointments & Offices |
10 Steps to Pick the Right Doctor
Whether you need a primary care doctor or a specialist, these 10 steps will ensure you find the right doctor for you. View Slideshow
Dr. Levi's Experience
Procedures Dr. Levi Performs
Dr. Levi does not have any procedures listed. If you are Dr. Levi and would like to add procedures you perform, please update your free profile.
- Chronic Kidney Diseases
- Hypertension
- Hypertensive Heart and Chronic Kidney Disease
Background Check for Dr. Levi
Education & Training
Medical School
- Albert Einstein College Of Medicine Of Yeshiva University
- Graduated in 1977
Internship Hospital
- North Shore University Hospital
Residency Hospital
- North Shore University Hospital
- University Of Co School Of Med
Fellowship Hospital
- U Colo Med Ctr
Languages Spoken by Dr. Levi & Staff
- English
- Spanish
- Turkish


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search results - Road Bike Shop
Road Bike Shop
Product Search Results For "Pearl Izumi Ultrastar Short Sleeve Women's Jersey"
Sugoi Neo Jersey - Short-Sleeve - Women's
Save some pennies, pick up the Sugoi Women's Neo Jersey, and pedal in comfort. You'll have more cash for that beach vacation you've been dreaming about, and you still get all the performance you need to cycle with the ladies. Without breaking the bank, this jersey has all the basics and it also... |
Price: $49.95
Sugoi RPM Jersey - Short Sleeve - Women's
While there are plenty of options for the dedicated racers, riders who want competition-quality jerseys without the tight fit or major price tag are often left with compromised designs. Not so with Sugoi's RPM Short-Sleeve Women's Jersey. It not only looks sleek, but its proprietary technical... |
Price: $64.95
SUGOi RS Ice Jersey - Short Sleeve - Women's
Sugoi knows that riding in the heat drains your energy, which is why it developed a new jersey specifically for the sweltering weather. The Sugoi RS Women's Ice Jersey uses your own sweat to keep you cool so that every watt you have goes directly to the pedals. Sugoi constructed the RS Ice from... |
Price: $124.95
Sugoi RS Pro Jersey - Short-Sleeve - Women's
Hot weather requires more than optimal hydration. The Sugoi RS Pro Jersey features Gobi 3. 0 which sets a new benchmark for fabric performance in hot weather, and the fit is nothing shy of pro-tier cut and quality. Gobi 3. 0 is featured on the main panels of the RS Pro jersey. This ultra-light... |
Price: $109.95
Sugoi RS Short Sleeve Women's Jersey
As you zip into your Sugoi Women's RS Short-Sleeve Jersey, there isn't a doubt in your mind that you are going to rock the course today. You can practically feel the wind slipping over your aerodynamic jersey and see the dotted lines flying past under your wheels as you shave seconds and make new... |
Price: $84.95
Sugoi Tuscana Jersey - Short Sleeve - Women's
An invisible front zipper allows you to open up the Sugoi Women's Tuscana Jersey when the heat of the summer sun starts to beat down on the pavement. As you zip along the road, this jersey helps to keep you cool, it stretches to move with you, and the slight drop tail covers up your lower back... |
Price: $74.95
Terry Bicycles Bella Jersey - Short Sleeve - Women's
Bellissima might just be what you'll exclaim when you first put on Terry Bicycles' Bella Jersey. And then your friends will exclaim the same thing every time you wear it. Constructed from a super soft polyester and spandex blend, the Bella jersey wicks moisture away and is cool against your skin.... |
Price: $98.95
Terry Bicycles Peloton Jersey - Short Sleeve - Women's
Just when you thought the heat was going to get the best of you, you grab Terry Bicycles' Peloton Jersey. Designed by the company whose name is synonymous with women's cycling, it's sure to keep you cool and turn heads all at the same time. Constructed from synthetic polyester, the Peloton jersey... |
Price: $89.95
Twin Six Argyle Jersey - Short-Sleeve - Women's
If your riding wardrobe is looking bland, spice it up with the Twin Six Argyle Short Sleeve Women's Jersey. It takes the snazzy print that everyone loves so well, and puts it on a jersey that you'd be glad to have on your back, even if it weren't so darn eye-catching. After all, why blend into... |
Price: $79.95
Twin Six Grand Prix Jersey - Short-Sleeve - Women's
Take a trip down memory lane on your next ladies' ride in the Twin Six Grand Prix Short Sleeve Women's Jersey. The lightweight polyester fabric keeps perspiration from your pedaling efforts wicked away from your skin, while the refreshing, retro-inspired graphic pays subtle homage to simpler days... |
Price: $79.95

subset: commoncrawl


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Fashion Scoops
Accessories News
Fashion Scoops
Burberry to Celebrate Rodeo Drive Flagship
Burberry will throw its splashiest L.A. party to date when it rolls out the plaid carpet April 16 at the Griffith Observatory.
— March 2, 2015
Duvetica Sets Product, Retail Expansion
The down jacket specialist has introduced cashmere sweaters.
Front Row at Giorgio Armani
Director Sergio Castellitto and actress Jasmine Trinca were in town for the Armani-sponsored premiere of their new movie.
Care Label Sets Milan Store
The denim labels was founded in partnership with Lapo Elkann.
— March 1, 2015
Max Mara Planning Resort Show
Add Max Mara to the list of European fashion houses planning to stage an itinerant fashion show for resort.
Front Row at Salvatore Ferragamo
Freida Pinto, Hanneli Mustaparta and Leigh Lezark were among the guests.
Rumors Swirling at Marc by Marc Jacobs
As the Marc Jacobs brand continues to move toward an IPO, rumors have been percolating about possible changes underway there.
Italian Investors in Talks for MSGM Stake
According to market sources, DGPA SGR, the Italian investment fund that owns Golden Goose, is in talks to take a majority stake in Massimo Giorgetti's fast-growing contemporary label MSGM.
Front Row at Roberto Cavalli
Michelle Yeoh, Daisy Lowe and Amber Le Bon took in the show.
— February 28, 2015
The transaction concerns a business, retail, residential and garden complex.


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The challenge in this project was to convert an unsightly and dangerous alleyway between two existing buildings into a central public gathering space for the community as well as students. The new school commons would eliminate the need for upperclassmen to walk outside to the existing dining hall at the east end of the campus.
Architect: Dake | Wells Architecture
Location: Stoutland, Missouri, USA
Project Area: 14,000 sqf (New Construction), 40,000 sqf (Renovation)
Project Year: 2007
Photographs: Architectural Imageworks
The solution inserts a simple steel frame into the alleyway wrapped with a clerestory of glass and colored panels. The panel density responds to solar orientation, minimizing the effects of solar gain and glare while flooding the interior with daylight. A new white ribbon surrounds the space below the clerestory and stitches the new construction into the old. A new administrative office block is anchored by a glass reception box with clear views of the entry and commons.
This converted alley now serves as the most public of gathering spaces in a rural farm community where school sporting activities are the primary social functions. Bold graphics and a contemporary approach to fluorescent lighting brings a new sense of pride to the school. Designed to LEED Silver standards, this commons is the anchor to a project that also included daylit corridors, classrooms and mechanical system upgrades that received a grant from Missouri's Department of Natural Resources for roughly 10% of the project's construction cost for its energy conscious approach.


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Featured Rides
11 Spring Gran Fondos We Love
Boone Roubaix Gran Fondo
4 / 11
Calling itself a "gran fundo," this ride is purely for the sake of enjoyment, as a gran fondo should be. Taking place in North Carolina, this ride complements the Boone Roubaix Spring Classic road race. The course is referred to as the "hell of high county," taking place over mixed terrains with 10-miles of unpaved roads and 3,900ft of climbing.
Location: Boone, NC
Date: March 30th, 2014
Distance: 20/55/105 miles
Info: booneroubaix.com
Related Content
- Training: Gran Fondos: Part Bike Ride, Part Cycling Race, All Fun
- Weight Loss: 5 Motivation Tricks to Lose Weight
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Get the Bicycling email newsletter FREE. Receive tips & timely articles about the latest in bikes & gear, training, nutrition & more.


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Why we have fictionThere's a joke the gods like to tell in heaven"A man decided to get up in the morning"And they laugh and they laugh and they laughI kissed a girl the other nightShe didn't run away so I did okayI said a witty thing before I kissed herAnd I said a witty thing after I kissed herAnd that made me feel pretty goodSometimes, I watch when things happen to meOr when I happen to thingsAnd I think to myself, wellThis would be very funny if I read it in a bookOr very sad if I saw it in a filmOr very wise if a poem was to be written about itBut since it is happening to meOr I am happening to itIt is complicated and messy and rough around the edgesStories in real life never end on the good bitWhich is why we have fictionI kissed a girl the other nightI said a witty thing before I kissed herAnd I said witty thing after I kissed herAnd she loved it and she kissed me backAnd we lived happily ever afterThe End
One of my many superpowersSometimes I walk home with a painful bursting bladderpast a dozen weeing menjust to feel superior.
My Father 1When he was 30my father had built and torn downand rebuilt again a shedwith his own hands;had planned a future for himself and his wifeand the two children he knew he'd have.My father had serious hobbies.I remember the oscilloscopes and the smellof ammonia.He would come home from work and pore overfinancial documents, figure out how to keep ussafe and secure and comfortable.Because that is what grown-ups do.And he'd worry and frown and talk seriouslyto serious men.It was clear to me then that there was a linebetween child and man, and that I wason this side and he on the other.That was fine. The line would come closerand one day I'd leap over itand be a serious man, too.I am still waiting.--I am 30 now.It is not what I thought it would be.It is no different from being 16, only that nowI have no one to send me to bed at 11,so I stay up until 5,I have no one to tell me to get my finances straight,so I don't.And I am not alone.We are not grown-ups, but overg
2nd person fiction and YouYou like fiction written in the second person. You may not admit it to yourself, but deep down, you really do. It teases you with its confrontational otherness, its flamboyantly displayed post-modernism, its teeth.Do not look at its teeth. You do not want to look at its teeth.Fiction written in the second person and you have a long history of denial. At first, you were sure it couldn't be done. Then it was done, and it was done to you, and you liked it, too, but it was only the one time and you were kind of drunk. It was an experiment, and it was interesting as an experiment, but that was all it was.Only, of course, it wasn't.Fiction written in the second person has invaded your dreams, and what's worse, your sexual fantasies. You'd be picturing a luscious blonde, rubbing her rubbables, yearning for your touch, when suddenly a voice would pop into your head, calmly narrating what you were doing: "You are picturing a luscious blonde," the voice would say, "rubbing her rubbables. Hey
Fuck you, grapefruitFuck you, grapefruit. Fuck you right in your sickly dark-red ass.Grapefruits are the Nigerian spam of the world of fruit. Yay, I just got $20,000,000 off this Nigerian prince on the internet. Wait, why is my bank account empty? Yay, oranges! Wait, grapefruit.In every way that oranges are awesome, grapefruits are awful. Just look at them! Oranges are joyful, bright, full of life--they're orange! Grapefruits are the sickly pale hue of a nerd that sits in front of his PC 20 hours a day grinding quests in World of Warcraft. "That's not all I do," Grapefruits insist in their whiny high-pitched voices. "I have other interests! For instance, let me show you my 15 terabyte collection of racist hentai. I'm the only collector outside of Japan!" Go away, grapefruits. "This one is about a nazi officer who summons demons by raping Chinese mothers to death." Fuck you, grapefruits.Look at their flesh! Oranges are brimming with positive orange-ness. You can see all the sun they stored up, convenien
The ShamblerThe following letter was found in the quarters of the High Inquisitor after he had taken his life.Your Highness,We arrived at first light. The courthouse lay in ruins, as was reported. The locals assured us they had not entered the ruins since the fire, and judging from the distance they are keeping from the smoking piles of rubble even now we are inclined to believe them. They warned us that some evil entity resided inside still.Our scouts found no signs of life, evil or otherwise, at all. We are still identifying the corpses we found within. Some are entirely incinerated, others have barely been touched by the flames. All of them are badly mutilated, as if by large cutting instruments.One thing we cannot account for at this time is the number of limbs we found. According to copies of court documents, the hearing that morning was closed, so we have a good estimate of the number of people inside the building at the time of the fire: twenty-four. However, we have found only thirteen
Bluegrass and BirdsongBluegrass and BirdsongFor Maria, who dared meThe city has sirensand strangers who pukeOut in the countryThe faces are friendlyThat eye-bulge and heaveThe city has sinnersYou watch from a distanceWho are careless, unwholesomeOr misunderstoodAnd you want to run with themAnd see where they take youBut it's late and there's workAnd you better go home.Out in the countryThe night-air is colderThe silences longerAnd nowhere is nearerAnd upon returning you think to yourselfWhat a fool that I was to ever have leftThe silence, the faces, the foresty placesAnd the memories of youthful thoughtsBut the hours were wastedWith the same friendly facesAnd the circuitous thinkingThat forests provokeThat rhythm was safety.Until you left, of course.---When one leaves safe things behindOne often finds that newness is not onlyAusschließlichIntoxicatingWie ein Gedicht fügt die GeschichteOf a change in your lifeSich unwillig zusammenAnd there is more silenceThen
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"Large company, great learning experience. "
- Comp & Benefits
- Work/Life Balance
- Senior Management
- Culture & Values
- Career Opportunities
I worked at AIA as an intern (less than a year)
Large company with clear structures. Adapt western style of office procedure. Nice environment and great benefits. Peers are nice and approachable. Department banquets are really common.
Most works are lack of creativity because of the system. Supervisor does not contribute time on interns. Out of date office equipment.
Not only do superficial work but really understand what employees want.
"Standardized workforce with hardcore selling technique emphasized "
- Comp & Benefits
- Work/Life Balance
- Senior Management
- Career Opportunities
I have been working at AIA
ProsGet to know about how this organization grows and how insurance get its market growing. Good for summer job
ConsNo future development opportunity. A salesman no matter how high the ladder you are at. Limited scope after you exploit your existing network
Advice to ManagementAdviceManagers are nice and try hard to maintain a harmonious environment. Good corporate culture but things are not carried out properly somehow
Approves of CEO -
"No comment "
- Comp & Benefits
- Work/Life Balance
- Senior Management
- Career Opportunities
I worked at AIA
ProsGood working environment
Nice boss
Nice colleaguesConsLow pay
Not much benefits
The location is not good, quite far away from my homeRecommendsNo opinion of CEO -


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Popular Martin Luther King, Jr. Quotes
A genuine leader is not a searcher for consensus but a molder of consensus.
- Permalink: Genuine Leadership
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The ultimate tragedy is not the oppression and cruelty by the bad people but the silence over that by the good people.
- Permalink: Ultimate Tragedy
- Recent Views: 0
Our lives begin to end the day we become silent about things that matter.
- Permalink: Things That Matter
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Never, never be afraid to do what's right, especially if the well-being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way.
- Permalink: Doing What's Right
- Recent Views: 0
Darkness cannot drive out darkness; only light can do that. Hate cannot drive out hate; only love can do that.
- Permalink: Darkness
- Recent Views: 0
Love is the only force capable of transforming an enemy into friend.
- Permalink: Love
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I have decided to stick with love. Hate is too great a burden to bear.
- Permalink: Hate
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I believe that unarmed truth and unconditional love will have the final word in reality. This is why right, temporarily defeated, is stronger than evil triumphant.
- Permalink: Truth
- Recent Views: 0
An individual has not started living until he can rise above the narrow confines of his individualistic concerns to the broader concerns of all humanity.
- Permalink: Individualism
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There comes a time when one must take a position that is neither safe, nor politic, nor popular, but he must take it because conscience tells him it is right.
- Permalink: Playing it Safe
- Recent Views: 0
Life's most persistent and urgent question is, 'What are you doing for others?'
- Permalink: The Meaning of Life
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The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy.
- Permalink: Measure of a Man
- Recent Views: 0


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Golf: Leishman leads early at Firestone
AKRON, Ohio — Australian Marc Leishman upstaged the game's biggest games as he charged into a one-shot lead in the opening round of the elite the WGC- Bridgestone Invitational on Thursday.
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Fishing from Kayaks and Canoes | New Topic | Printer Friendly Version |
Posted by: old_user on Aug-08-12 7:28 AM (EST)
One other thing I would recommend is a rudder. I use my rudder a lot when casting, I can actually get one or two more cast just by moving my rudder to help position my boat. Also, look around and use what the river gives you. I fish a lot of deadfalls for bass so I have a bungee that I wrap around a small branch then I can work the treetop with a worm or jig then let loose and move on.
Pull-Up Strap Handle Kit | Heel and Pegpads� | Pro Coolers | Kayak Seats | Reflective Hull Decals |
Table of Contents |


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No Magic Player's College is Safe from Upsets
People around the globe have massive pride for their colleges and universities, especially in sports and more precisely in the aspect of college football. Case in point for the Orlando Magic, Channing Frye is a very proud Arizona Wildcats alum. Over a week ago Frye made a friendly punishment wager with his wife and Luke Ridnour on the result of the Wildcats road game against the...
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Appalachian TrailHike 88 miles of this national treasure in our mountains, and stand at its highest point here.
BeachesGo hang gliding, take a surf lesson or encounter wild horses on 300 miles of barrier island beaches.
BikingHit the trail in Pisgah National Forest, at the U.S. National Whitewater Center or on a coastal byway.
Blue Ridge ParkwayTravel 250 miles of America's Favorite Drive for breathtaking views and mountain heritage.
Extreme SportsHang glide, rock climb, kiteboard, zip line or skydive for the ultimate adrenaline rush.
Fishing & HuntingCast a line in mountain trout streams, central lakes, coastal sounds or the Gulf Stream.
Forests, Parks & SeashoresExplore the outdoors in the Great Smokies, Cape Hatteras, Cape Lookout, state parks and more.
Rivers & LakesFloat gently down an ancient river or take a thrilling tumble through Class IV-V rapids.
Scenic Byways & DrivesDrive roads that double as destinations from the Cherohala Skyway to the Outer Banks Byway.
Biking in Transylvania County: Cycling Capital of the SouthTransylvania County features some of the highest peaks in the East, which means some of the most thrilling mountain biking trails as well.Read more »
Cape Hatteras and Cape Lookout National SeashoresFour lighthouses, a herd of wild horses and hundreds of miles of beach and shoreline to explore await on the Outer Banks and Crystal Coast.Read more »
Gardens in Central North CarolinaIn the low, rolling central plain, visit churches, colleges, historic sites and gardens lush with blooms, flowering shrubs, herbs and trees.Read more »
North Carolina's National ForestsThe Croatan, Uwaharrie, Nantahala and Pisgah National Forests offer visitors the chance to play, explore or just relax.Read more »
Zip Your Way Through a Vast North Carolina CanopyWith mountain peaks, rolling hills and an abundance of waterfalls, North Carolina is a natural choice for zip lines day, night and year-round.Read more »
Western North Carolina Fly Fishing TrailWith hundreds of miles of creeks, streams and rivers to fish, catching a personal best brook, rainbow or brown trout is no problem here.Read more »
Outdoor Adventure on the CoastFor exciting activities in, on or above the water, our shores offer pristine beaches, expansive marshes, depths to dive and skies to fly.Read more »
Hang Gliding in Kitty HawkWhether you take a low-altitude flight on the dunes or a mile-high flight with an instructor, you'll experience thrills you won't soon forget.Read more »
Transylvania County, Land of WaterfallsThis area in the Great Smoky Mountains is home to 250 waterfalls, including the highest in the East and some that starred in Hollywood movies.Read more »
Lake Norman Nature AdventureJust north of Charlotte on Interstate 77, Lake Norman offers Metrolina Greenhouses, the Carolina Raptor Center and other nature attractions.Get planning »
Museums, Music and More in CharlotteCharlotte has much to offer in art, history and culture. Spend three days here and discover a great sampling of museums, music and more.Get planning »
Pottery Road Scenic BywayThis 50-minute drive takes you from the golf community of Pinehurst north to Seagrove, home of the nation's largest community of potters. Get planning »
Wilmington and Its Island Beaches Wilmington and Carolina, Kure and Wrightsville beaches wait with gardens, shopping, great dining and plenty to do for the entire family.Get planning »
Road to Nowhere and Waterfalls in the Great Smoky MountainsThe Road to Nowhere ends at a tunnel inside Great Smoky Mountains National Park. If you want to venture farther, you have to do it by foot.Get planning »
Lighthouses and Maritime Sights on the CoastThe Outer Banks and Crystal Coast attract visitors to enjoy historic lighthouses, maritime history, charming fishing villages and sunny shores.Get planning »
Forest Heritage National Scenic BywayThis two-hour drive in the Great Smoky Mountains is a great way to see waterfalls, rhododendron blooms and lush, beautiful forests.Get planning »
Outer Banks National Scenic BywayThis daylong drive and ferry tour traces the coastline, exploring the maritime history of our sounds, barrier islands and coastal villages.Get planning »
Visit Lake Lure, Asheville and CherokeeThis region offers 75-mile views from atop Chimney Rock, Cherokee history and great shopping for mountain crafts in Asheville and Dillsboro.Get planning »
Cape Fear Historic BywayThis 40-minute drive takes you through one of the most scenic urban areas in the nation as it travels beside the tranquil Cape Fear River near the coast.Get planning »
Family Adventure in the Great Smoky MountainsWhat's more fun than hiking, picnicking and splashing in cold mountain streams? Grab this three-day trip, pack up the kids and head for the hills.Get planning »
Cruise the State's Southeastern WaterwaysGo boating along the Intracoastal Waterway to visit coastal spots such as Beaufort, Jacksonville, Wilmington and the Brunswick Islands.Get planning »
Hiking Getaway: Cold Mountain and AshevilleThis trip takes you on a trek to the top of Cold Mountain for breathtaking views, starting and ending in Asheville for a weekend of outdoor fun.Get planning »
Relax and Unwind at Lake NormanThis revitalizing trip encompasses a relaxing spa visit, a wine cruise, a day out on the lake and great nightlife.Get planning »
Racing, Wine and Wild AnimalsYou'll find many things we're famous for near Asheboro and Lexington, including the Childress and Petty racing museums, the North Carolina Zoo and barbecue.Get planning »
Blue Ridge Parkway, America's Favorite DriveThe Blue Ridge Parkway is a must-do mountain drive, winding 252 miles among scenic vistas and historic sites.
A Rich Maritime World at Bald Head IslandBald Head Island offers visitors a rich maritime world, from pristine beaches and sea turtles to Old Baldy Lighthouse.
Hang Glide on the Outer BanksAt Jockey's Ridge State Park on the Outer Banks, novice and expert hang gliders alike can enjoy a bird's eye view of the sun, sand and sea.
Winter Sports in the High CountryWhen winter comes to North Carolina, head to the High Country for skiing, snowboarding, tubing, ice skating and snowshoeing.
Sliding Rock in the Pisgah National ForestSlip down Sliding Rock, a 60-foot natural water slide with a cool pool at the bottom, in the Land of Waterfalls.
Fishing on the Pamlico RiverNorth Carolina's coastal rivers and sounds offer great year-round angling for a variety of fish including speckled trout.
Chimney Rock State ParkStand atop 315-foot Chimney Rock and see 75-mile views of Hickory Nut Gorge, Lake Lure and central North Carolina.
Hawksnest Zipline & Snow TubingIf you're looking for adventure, head to Seven Devils, home to the largest tubing park in the East and a 20-cable, year-round zip line course.
Lighthouse WaterSportsSouthport Lighthouse WaterSports is a eco tour company that specializes in guided kayak and boat tours for exploring nature,… View on mapRegion: Coast
Hurricane FleetCalabash Located in quaint Calabash, Hurricane Fleet offers eco-dolphin educational cruises, shrimping and dolphin adventure…TripAdvisor Traveler RatingBased on 60 reviews View on mapRegions: Coast, Brunswick Islands
Cheoah Beach & CampgroundsRobbinsville Cheoah Point Recreational area has a beach, boat launch & campground. There is a gradual slope into the water with… View on mapRegion: Smoky Mountains & Cherokee
Creekside Park & Disc Golf CourseArchdale Amenities include tennis courts, baseball/softball/t-ball fields, picnic shelters, shuffleboard courts, horseshoe pits,… View on mapRegion: Greensboro & Winston-Salem
Fun JunktionElizabeth City The 133-acre public park features swimming area, playgrounds, skatepark, lakes, nature trail, picnic areas and other… View on mapRegion: Coast
Helms Christmas Tree FarmVale Pre-cut Fraser Fir, Leyland Cypress, White Pine, Red Cedar, White and Colorado Blue Spruce trees available bailed and… View on mapRegions: Piedmont, Charlotte Region
Lake Norman Miniature GolfCornelius 18-hole Lake Norman Miniature Golf.TripAdvisor Traveler RatingBased on 27 reviews View on mapRegions: Piedmont, Charlotte Region
LookoutBeaufort Sails to Cape Lookout. Dolphin watches and sunset sails depart from Beaufort waterfront.TripAdvisor Traveler RatingBased on 50 reviews View on mapRegions: Coast, Crystal Coast
Uwharrie National ForestTroy Covers 50,000 acres in parts of Randolph, Davidson and Montgomery counties. This forest has the scenic Uwharrie, Yadkin… View on mapRegions: Piedmont, Greensboro & Winston-Salem
Bluff Mountain OutfittersHot Springs Outdoor recreational supplies and services. Natural foods. Shuttle service for Appalachian Trail hikers. Advice on… View on mapRegions: Mountains, Asheville & the Foothills
$500 - Valentine's Romantic Getaway C.W. Worth House Bed and BreakfastWilmington Valid: Feb 8 - Mar 31
$15 - Brewery Tour with Take-Home Craft BeerAviator Brewing CompanyFuquay-Varina Valid: Feb 23 - May 1
Fresh Daily: The Durham SweepstakesIf you're looking for a place where every day is a new experience, look no further than Durham, North Carolina. Enjoy a chef-driven food scene,…


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Featured Book The Dragon and The Rose - Part 1: The Turning Point by Diane Hundertmark
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Short story and poetry collection
AmazonLuluBarnes & Noble.comLulu Lazy Afternoon is a collection of short stories and poems ranging from the dark to the romantic. An Unconditional Love and The Christmas Box, two award winning short stories, are featured inside, as well as an award winning poem, The Silence of the Fall.
Excerpt An Excerpt from An Unconditional Love "Bev! Oh my God, Bev!" He ran down the stairs as quickly as he possibly could to where her body lay lifelessly on the entryway floor. As he reached her, he carefully turned her over, and noticed that her neck appeared to be broken. There was also a large gash on her forehead from where she had hit it on the entryway table when she had fallen. "Oh Bev," he sobbed as he cradled her in his arms. He gently laid her back onto the floor, and after taking his jacket from the coat rack, he rolled it into a ball and placed it under her head. As much as he hated to leave her lying there by herself, he knew that he had to call an ambulance. "I'll be right back sweetheart," he said softly, even though he was fairly certain she was unable to hear him. He went into the kitchen, reached for the phone and quickly called 911. "This is Henry Fallon. I live on 246 Peach Tree Lane," he stammered into the phone. "I'm sorry sir, but if you can, please try to compose yourself. I'm having difficulty trying to understand you," replied the police officer on the other end of the phone. Henry took a deep breath before continuing. "I'm sorry, officer…but it's my wife. She fell down the stairs …and now she's just lying there…" his voice broke off as he began to sob. "It's okay sir. Try to remain calm. We'll have someone there as quickly as possible, but just be careful not to move her." "You don't understand. I can't feel a pulse and she has a large cut on her forehead. I think she might be…" and he stopped. He was unable to bring himself to say the words. "Okay, sir. I understand. We'll be there as soon as we possibly can." Henry stood there motionless for a few seconds before hanging up the phone. As he walked back to the entryway, he stood over his wife, looking for some sign of life. If it were not for the gash on her forehead, she almost looked as though she were sleeping. He slowly lowered himself to the ground and placed a thumb on each of her eyelids, gently prying them open. "Bev?" He whispered, but as he looked at her eyes, he was certain she was dead. "Don't worry, Bev. I'll stay here with you until the ambulance comes," and he watched as her face became wet with his tears. They had known one another since they were just kids and had attended school together. He had loved her even then. He was two years older than she was and he had waited until her sixteenth birthday to ask her out on a date. One date had turned into several, and before they knew it, they were an item. While she had been in her last year of high school, he had enlisted in the service, and before leaving for Korea, he had asked her to marry him when he returned. She had said yes and promised to wait for him, but six months before he returned home, she had sent him a letter, telling him she was marrying somebody else. It had nearly killed him at first, but in time, he adjusted, and he returned home a town hero, having been decorated with a Purple Heart. He had never married, although he came close a few times, and ten years after he returned from Korea, he had learned from his sister that Bev had been divorced for well over a year. He took it as a sign and called her, asking her out to dinner. When he saw her after all the years that had gone by, he thought she was even more beautiful than he had remembered, and in a short time, they had become very close. She had two little girls that he simply adored, and it was obvious how they felt about him. Less than a year later, he had asked her to marry him, and she had said yes. Although he had been head over heels in love with her, he had known clearly the reason for her acceptance, and it had had nothing to do with love. She had liked what he had been able to offer her and her girls. Henry had always been level headed, a hard worker and a good provider. But he was crazy about her, had lost her once and was not about to let it happen again. Life with Bev had been extremely difficult almost right from the very beginning. She had controlled every instance of their life together and was always the final decision maker. Henry had worked hard six days a week before semi retiring and sometimes twelve-hour days. Sunday had customarily been his day off, but Bev had always made certain Henry kept himself busy. Henry had been a carpenter and a good one too. When he was not at work, or repairing their own house, Bev had him doing side jobs for other people. It had saddened him to never be at home in the beginning, especially when the girls were growing. He had wanted to be a real father to them, but he was grateful because he knew that they loved him and treated him as though he was their real father, so he rarely complained. There were many things about Henry's life that upset him. He had been a man with many interests. He had skied, fished, hunted and enjoyed boating and scuba diving, but Bev had made sure that there was no time for hobbies or leisure activities. They had never taken a vacation together, unless it was over a Labor Day weekend, and it had always been some place that Bev had chosen. And then there had been the other men in Bev's life.
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Chiefs announce rookie free agents
Bill WilliamsonThe Kansas City Chiefs just announced that their rookie free-agent class is signed. Here is the team's release: WR Josh Bellamy (6-0, 206) played in 26 games (17 starts) in two seasons at Louisville, compiling 53 catches for 681 yards (12.8 avg.)...
Blog | May 11, 2012 -
Star-studded tribute to Junior Seau
Bill WilliamsonThe San Diego Chargers have announced the speaking lineup for the celebration of life in honor of legendary linebacker Junior Seau on Friday at Qualcomm Stadium. Former Chargers legends Dan Fouts, LaDainian Tomlinson and Rodney Harrison, former Sa...
Blog | May 09, 2012 -
Around the AFC West
Bill WilliamsonPosted by ESPN.com's Bill Williamson Denver New coach Josh McDaniels is working the quarterbacks hard. My take: Quarterbacks are McDaniels' specialty. This is how he made his mark at such a young age. McDaniels' success in Denver depends ...
Blog | June 04, 2009 -
Harrison remembers San Diego days
Bill WilliamsonPosted by ESPN.com's Bill Williamson Rodney Harrison departs the NFL for the broadcast booth having last played for the New England Patriots, but it would be remiss not to remember where Harrison began his NFL days. Before he was a Patriot, Harr...
Blog | June 03, 2009 -
Evening AFC West news and notes
Bill WilliamsonPosted by ESPN.com's Bill Williamson Dallas has cut defensive end Greg Ellis, making him available to several teams showing interest, including Kansas City, Denver and New England. If Ellis ends up in New England, it could end the Patriot...
Blog | June 02, 2009 -
Draft value, AFC West style
Bill WilliamsonPosted by ESPN.com's Bill Williamson Here is a look at the players drafted by AFC West teams who made the top-50 draft value list. No. 7: Terrell Davis, RB, Denver, 1995, Sixth round Comment: The catalyst of Denver's two Super Bowl championsh...
Blog | April 23, 2009 -
Dawkins gives Denver a defensive presence
Bill WilliamsonPosted by ESPN.com's Bill Williamson Brian Dawkins certainly stands out as the highlight of Denver's free agent signings. Denver has begun the Josh McDaniels era by being the busiest team in the league. Denver has signed nine players with mor...
Blog | February 28, 2009 -
Broncos-Patriots news and notes
Bill WilliamsonPosted by ESPN.com's Bill Williamson Postgame news and notes: Bailey If the Broncos have to play without Champ Bailey for a long period of the time, this defense is going to be in trouble. Dre' Bly has been exploited often since coming to Denver. ...
Blog | October 21, 2008


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Bolton Wanderers Football Club
- Nickname:Wanderers
- Founded:1874
- Manager:Dougie Freedman
- Ground:Reebok Stadium
- Capacity:28000
- Last Game: 03-Mar-2015 20:00
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Reading1 - Full match report
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Holden targets Bolton return
06 Apr 2010 - 16:12:04
Bolton Wanderers' American midfielder Stuart Holden is hopeful of being able to return to action before the end of the season, having been sidelined for more than a month due to a broken leg.
The 25-year-old was injured while on international duty with the USA, but is hoping to be back in full training within the next fortnight.
He told the club's official website: "It's actually progressed well, so I'm looking to start running, jogging next week and then getting full blast toward the end of the week and then hopefully back in full training in two weeks.
"I have to start training and build up a bit of fitness again, but I think I've targeted in my own mind the last two games - Tottenham away and Birmingham at home.
"Those are two games I'm looking to play in and help contribute and hopefully we're safe by that point and building for next season."
Related Bolton Wanderers News
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Extracting oil and gas out of the ground is one thing, but having access to the necessary infrastructure in order to distribute those resources appropriately is quite another.
Fortunately for Antero Resources (NYSE:AR), it has mastered both sides of the equation.
The Denver, Colo.-based oil and gas explorer and producer has mostly focused on two geographic areas: the Marcellus Shale in northern West Virginia and southwestern Pennsylvania, and the Utica Shale in eastern Ohio.
View Enlarged Image
The company went public last October and had 7.6 tcfe (trillion cubic feet equivalent) in proved reserves at the end of 2013. By volume those reserves were 88% natural gas, 11% natural gas liquids and 1% oil. The proportion of liquids is expected to rise to 15% by 2016.
In Marcellus, Antero has 350,000 net acres, where it's currently running 15 rigs. That area accounts for approximately 80% of Antero's reserves. While the liquids portion of the production vs. dry gas is rather small right now, it is expected to grow to at least 15% of the production by 2015.
"If you look at some of the operating metrics there, they've found some huge wells, they operate a large number of rigs in that region and really continue to refine their production techniques, so they're able to extract more gas per well," said David Beard, energy analyst at Iberia Capital Partners.
The company is very quick at getting the best land position, he said. "These are very prolific wells. A lot of it has to do with geology, and then you also have to have the right people to go out and sign the leases. The whole leasing process is very complicated."
Antero has also amassed some of the best acreage positions in the Utica Shale. It has 106,000 net acres in the core rich gas and condensate area and operates five rigs. Utica has been an emerging play, with its production run rate growing from nearly zero in 2012 to 13% in 2013, and anticipated to keep expanding in 2014 and beyond.
Working The Wells
The company's overall goal is to drill out its substantial — approximately 25-year — inventory of high-return, low-cost well locations, writes Beard in a research report.
In addition to its solid drilling activities, Antero has also been the frontrunner in establishing firm contracts and building out the necessary infrastructure to get its gas into the pipelines and out of the region.
A key competitive advantage for Antero, noted Beard, is "they've really done a good job getting what they call midstream capacity, so that's not only building their own gathering systems but then securing takeaway capacity on pipelines.
"And they are big enough to negotiate room on the pipeline, because the pipelines need them as much as they need the pipelines."
The company estimates its cumulative year-end 2014 total capital investment in midstream to be $1.6 billion. This includes gathering pipelines, compressor stations and water-distribution pipeline and storage facilities.
A natural gas drilling rig operates in western Pennsylvania, part of the rich Marcellus Shale region stretching from Virginia north to New York. AP View Enlarged Image
"I think they've been a little bit more forward-looking with how they lock up their takeaway capacity agreements," said David Deckelbaum, analyst at KeyBanc Capital Markets. "They've been certainly ahead of peers in that regard. That's a pretty big differentiating factor. You're looking at almost over 1.5 bcf (billion cubic feet) a day of gas firm capacity in 2015."
Range Resources (NYSE:RRC), EQT (NYSE:EQT) and Cabot Oil & Gas (NYSE:COG) are some of the other operators in the space.
To monetize its midstream assets better, Antero filed a registration statement with the Securities and Exchange Commission on Feb. 7 for an initial public offering of its midstream business as a master limited partnership, or MLP.
"From a pricing perspective ... the benefit there is that you could potentially get a better multiple for your midstream business than what you're getting for your consolidated business right now," said Deckelbaum. "As an Antero holder right now in the upstream, you would be able to benefit from the company getting a certain percentage of proceeds from that deal."
The company can use some of the money to fund growth endeavors in 2014 and 2015. Beard expects production to grow in the 60% to 65% range in 2014 and the 30% to 50% range through 2016.
Given the ramp-up in drilling and production, Antero is expected to need $2.3 to $2.6 billion per year for capital expenditures. This need is driven by drilling up to 250 wells per year and adding an additional $850 million in infrastructure spending, writes Beard.
Operating cash flow would increase from $500 million in 2013 to $2.3 billion by 2016. As a result, the company's net debt could climb from the $2.1 billion on its books at the end of last year to $4.3 billion by 2016, Deckelbaum notes. Antero raised about $1.6 billion in its IPO.
The company currently has a $2 billion revolver and the potential for additional credit lines. It also has access to the high-yield credit markets and may raise additional capital at some point in the future, according to analysts.
Risk Profile
Due to the abundance of natural gas, especially in the Marcellus Shale, there is always a risk of a collapse in gas prices. Such a collapse happened in April 2012 as natgas prices sank to $1.90 per thousand cubic feet (mcf). Because of this sensitivity, Beard says each $0.50/mcf change in gas prices would equate to a $9 change in share value.
Other risks include problems or delays with the infrastructure, resulting in a shortage of takeaway capacity. While there have been some challenges recently, the company's guidance has allowed for some production that cannot be put to sale.
Issues with deployment of new technologies can also pose risks. Beard notes that hydro-fracturing has come under increased scrutiny by environmental and regulatory groups, and that some groups believe "fracking" is damaging to the environment.
"The science of fracturing is probably not causing a lot of these problems, but that's only one step in many, many steps to get gas to your stove," Beard said. "And it only takes one innocent mistake or an unscrupulous operator to cut corners and bad things happen."
Antero's management has a solid track record, with CEO Paul Rady and CFO Glen Warren, Jr., having been in the oil and gas business for a long time. Private equity firms Warburg Pincus and Yorktown Energy Partners V have stakes in the company, Beard notes.
"Management definitely has a vision and they have proven themselves to be world-class operators as it relates to getting some of the best wells in the Utica and certainly in the Marcellus," said Deckelbaum. "They've done a very commendable job of managing midstream needs with upstream production. I think that's very evident in the level of production they have. I think they've done a good job."
Stocks opened down, then quickly edged up into mixed territory early Wednesday. The Nasdaq reversed course and toggled between fractional gain and loss. The Dow Jones industrial average and the S&P 500 each eased less than 0.1% into the red. The stock market today appeared to feel some drag ...
The Houston-based independent exploration and production company earned 23 cents a share in Q4, up 27.8% from a year earlier, beating views by a penny. Revenue rose 26.8% to $618 mil, beating views of $550.36 mil. Cabot Oil & Gas (NYSE:COG) lowered its '15 capital spending budget to $900 mil ...
Cabot Oil & Gas (NYSE:COG) reported earnings and revenue above Wall Street estimates Friday but scaled back its capital spending because of lower oil prices. The Houston-based independent exploration and production company's fourth-quarter earnings rose 27.8% to 23 cents per share, just above ...
While energy stocks have been pummeled, shares of pipeline operator EQT Midstream Partners (NYSE:EQM) have been far more steady. The company last week reported Q4 earnings that topped Wall Street's expectations. Profit of $1.12 a share marked an 81% increase over the year-earlier period. Its ...
Stocks trimmed some losses in late afternoon trading Friday, but still ended the session with a sharp decline. The Dow Jones industrial average slipped 0.9%, the S&P 500 0.8% and the Nasdaq 0.7%. The session closed quietly, with volume down 15% on the Nasdaq and 7% lower on the NYSE, according ...
All built up with a game-changing buy, Martin Marietta Materials has laid the groundwork for a healthy growth spurt amid upbeat prospects for its end markets in construction materials. Martin Marietta (NYSE:MLM) is a major supplier of aggregates — crushed stone, sand and gravel — and ...
With the announced rollout of more than 20 new nonstop routes and the purchase of eight used planes, Allegiant Travel Co. seems to be on a spending spree. But the low-cost air carrier isn't prone to splurging. Its unique strategy has led some analysts to call it "the best business model in the ...
When Greg Waters took over as CEO of Integrated Device Technology in January 2014, he had a pretty good idea of how to turn the integrated computer solutions (ICS) maker around. At the time, Integrated Device Technology (NASDAQ:IDTI), or IDT, had just begun to emerge from a lengthy run of sales and ...
After getting some mixed messages from homebuilders earlier in the year, investors received a flurry of cheery news from the industry in the last several days, including strong quarterly financial results from Toll Bros., highlighting buoyancy in the luxury end of the market. Toll Bros. (NYSE:TOL) ...
Business was picking up at a steady clip at the Foot Locker store in Times Square on the frigid cold morning of Feb. 23. Customers were lined up at the cash register, carrying boxes of men's basketball shoes, brightly-colored women's running shoes and sneakers for everyday wear, to name a few. NBA ...


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Home, Kitchen and Bath store reopens
Nobody likes to receive a call like Patti and John Bender got on the Fourth of July.
They closed their store, Home Kitchen and Bath, for Booster Days weekend and their upstairs renter went out of town. When their tenant returned it was discovered that the washing machine hose had burst. Water had been filling that area of the apartment and more.
"The water went all the way to the basement," said John. "We really don't know how long it was running."


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Autopano Pro / Autopano Giga 2.6.2 RC1
Friday, January 27th, 2012
Thanks to these 2 new tutorials, you can learn: - how to use your own graphical theme in Panotour Pro, to replace the standard buttons offered by the app, - how to create your own virtual tour templates, that defines not only graphical items but also the positioning and behavior of each element of the theme that you can save and use on future tours. |
After the big release of version 2.6 (read "What's new in Autopano Giga 2.6"), version 2.6.1 brings some bug fixes. Improvements have been made on the blending as well as in the Papywizard and Gigapan plugins. |
Prepare for the impending launch of Panobook 2012 panoramic competition! The contest will open in a few days and this year, you will be able to win beautiful prizes!
Kolor Panobook is an annual panoramic photo contest open to all and that leads to the publication of a unique book composed of the winning panoramas. Everyone's invited to join the contest! No entry fee, no obligation to use a particular image-stitching application ; all you need to have is to prepare a selection of your most beautiful, original, inspired panoramas. (read more…) |
After the big release of version 2.6 (read "What's new in Autopano Giga 2.6"), version 2.6.1 will fix some bugs. Here is a first preview of version 2.6.1. You can find the bug fixes just below. |
Yasushi Kumon has just published a very detailled book about image-stitching and VR photography. The author reviews several hardware items including Nodal Ninja panoramic heads and a selection of software applications, including Autopano Pro / Autopano Giga and Panotour Pro. This book is written in Japanese. We are proud to be in it and we hope the publisher will translate it in English and other languages |


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Articles in NASCAR - Sprint Cup Series
By Jeff Hood | Senior Writer
BRISTOL, Tenn. – In a hastily-scheduled press conference, Denny Hamlin met with reporters behind his Joe Gibbs Racing team hauler just after 2 p.m. on Friday to discuss the $25,000 fine imposed against him by NASCAR.
Hamlin, who refused to pay the fine, announced on Thursday that he won't appeal the [...]
By Rick Minter | Senior Writer
BRISTOL, Tenn. – Denny Hamlin declared a victory of sorts over NASCAR in his first session with the media since it was revealed that he wouldn't appeal his $25,000 fine for his comments about the racing at Phoenix International Raceway and that NASCAR would deduct the fine from his future [...]
Kenseth held off Kasey Kahne in a 26-lap green-flag run to the finish Sunday to win the Kobalt Tools 400 Sprint Cup race at Las Vegas Motor Speedway.
The win is Kenseth's first in a Joe Gibbs Racing Toyota as he moved to the team following the 2012 season.
"I just knew it," he said. "I just [...]
Rick Minter | Senior Writer
In light of NASCAR's $25,000 fine imposed on Denny Hamlin for his mild criticism of the Generation-6 race car and the kind of racing it produced at Phoenix last week, racing that saw Carl Edwards lead the final 78 laps without a serious challenge and others complaining about the difficulty of [...]
Rick Minter | Senior Writer
In an era in which the entire sport of NASCAR seems to roll out the red carpet, so to speak, for cross-over open-wheel drivers like Danica Patrick and Juan Pablo Montoya, it's hard to imagine that it wasn't always that way.
Among the career accomplishments of the great Mario Andretti is a [...]
Carl Edwards held off five-time champion Jimmie Johnson, defending champion Brad Keselowski and an emptying fuel cell to win Sunday's Sprint Cup Series race at Phoenix International Raceway.
The victory broke a 70-race winless drought for the Roush Fenway Racing driver.
"One of the coolest wins of my life," Edwards said in Victory Lane.
Edwards appeared headed to [...]
Mark Martin won the pole Friday for Sunday's Sprint Cup race at Phoenix International Raceway.
Martin, 54, was the only driver in time trials for Sunday's Subway Fresh Fit 500 to top 138 mph. Martin's lap at 138.074 mph, a record for the spring event at PIR, was good enough to edge Kasey Kahne (137.862 mph) [...]
By Deb Williams | Senior Writer
Twenty years ago Tony Gibson was a fabricator and the gasman for Alan Kulwicki's 1992 NASCAR Cup championship team. Danica Patrick was 10 years old.
Neither person knew the other existed and until last fall, it never seemed probable their career paths would cross. Yet, last October Stewart-Haas Racing decided Gibson [...]
Jimmie Johnson won Sunday's Daytona 500 at Daytona International Speedway. The victory was the five-time Sprint Cup champion's second in the big race as he did it in 2006.
Dale Earnhardt Jr., Johnson's Hendrick Motorsports teammate, was second and Mark Martin of Michael Waltrip Racing was third.
Defending Sprint Cup champion Brad Keselowski was fourth and Ryan [...]
By Rick Minter | Senior Writer
DAYTONA BEACH, Fla. – Sitting on a carpet of grass, barely 100 yards from Victory Lane at Daytona International Speedway, is a replica of the 1963 Ford Galaxie that Tiny Lund drove to victory in the Daytona 500 on a Sunday afternoon 50 years ago to the day from this [...]


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I Know Why the Caged Bird Sings
I Know Why the Caged Bird Sings Chapter 14 Summary
- Back in Stamps it's the same old same old.
- Maya and Bailey become mini-celebrities, and Bailey takes up sarcasm to answer their questions about "up North."
- After the rape, Maya can't think very well, but people don't get mad at her here. In Stamps, she is "tender-hearted" (14.26) and she feels understood—especially by Bailey.
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31 posts found | |
Hey, guys! I've noticed EQ Next is getting a lot of buzz lately and a lot of you seem to be hyped for this new Everquest MMO. So I wanted to ask why all the hype? Sorry if this question sounds rude, but I haven't seen any footage of the game nor any information regarding its features. I'm quite honestly amazed how many users and mmo news sites are discussing EQ Next. I've been wondering this for some time now, but with the SOE Live event close by, the amount of hype around EQN is even more visible than before. I feel like I've missed some important tidbit or detail that explains how awesome EQN will be. I'd hate to be the only one not excited for a new MMO. |
My guess is that it is just because of the EQ universe. If this title was maybe called "LoreQuest", there would be very little hype. Another reason is a person called Smedley, who has a way of causing a bit of drama to hype up the community. |
Dunno, maybe you missed the whole "Everquest was one of the games that started the whole MMO craze" or the "Hey, Everquest is still going on after 14 years" or the "Everquest 2 is still going on after 8 years". I mean, it was pretty easy to miss all of those things..... |
Advanced Member
Joined: 7/08/10 The strong are sometimes wrong but the weak are never free. |
Because the official reveal of the game is at SOE Live this weekend. It is the nature of the beast. Long time EQ/EQ2 fans have been looking forward to it for a long time. Further, what little information about the nature of the game that has gotten out has indicated that they will be doing some new and interesting things. People always look forward to new things.
All die, so die well. |
Originally posted by christwood EQ as a franchise has been around for almost 15 years. It has a loyal following and a pretty (overall) fantastic community. EQN will the 3rd game in the series, so the fans are pretty excited about that in and of itself. The other aspect to the hype is that we have very little real information on the game itself. SOE has decided to black box EQN until this Friday, where all the details for the game will be released over the weekend. So, with no definitive information, all we have had is a very dedicated teaser and hype campaign from the top management of EQN to stir the pot and get people excited. Word bites, cryptic messages, and a whole lot of dialogue designed to get people to guess, think, and, most importantly, talk about EQN. Its viral marketing and these hype threads are the result of all that, pure and simple. Also, you are going to hear a bunch of people chime in with bulleted facts about what EQN will be. Ignore that. Just wait until Fri and Sat of this week and you'll find out what's really going on. |
Why not?
http://kck.st/Xo38HT |
The hype is because it's EQ, but most importantly we've been teased by the developers saying it's a basically the biggest thing since sliced bread. The mmo sites saw the game or trailer or whatever at E3 and gave it their "Game of the Show" award, saying it's WAY beyond anything we've seen before in other games. And the fact that the entire development has been surrounded in this "Black Box" so that nobody knows anything about the game and the HUGE information release is coming this Friday. We've all been "dreaming" of what it "could be" and discussing the possibilities. That further creates unintended hype. |
One of the most recognised IP's in the genre Pretty much the father of modern MMO games One of the leading software houses in the industry Releasing the 3rd title in a hugely popular franchise withing the RPG genre Claiming to have a revolutionary game in the making various sites agreeing that the game is what it promises ... Yeah, no idea why the game is geting hype myself :) Personally I hope what they release makes a lot of people eat their words because so many people on this and other site are so short sighted, stuck in their ways, lacking vision and pretty much too dumb to imagine what can be done with an MMO. I hope people gasp when they see what is being done. Will they? No idea but rather then get caught up in the hype I wait patiently hoping that they really do have the balls to go next gen. |
Although the question was probably rhetorical, the answer is that there is not that much to be exited about. at the moment when it comes to mmo's.
It takes one to know one. |
Thanks for adding to the plethora of "Why the Hype?" threads. Search function is your friend and thanks for spamming more pointless threads. Hype trains bother you, we get it. What you don't get is that hype is an issue you have to deal with internally not externally. Nobody cares if it bothers you. You stay sassy! |
Smedley said EQN will be the largest Sandbox MMO ever. Both MMORPG.com and Ten Ton Hammer, whom got to see it, gave it Best in Show at E3. Smedley said you'll get your hands on a release version of what they're doing this year. I would say those are the biggest contributors for the hype. |
Originally posted by christwood Ah I see what you did there - annoyed that people are excited about a game without many details, but trying to word it in a way that sounds like your being interested :) If you look on this very forum, you will see lots of people asking the same thing, with lots of replies explaining it. If you spend 10 minutes reading through, then you will understand and either a) also be interested or b) still angry. If b) probably best to go and have a little lay down for a bit. By the way, if you played WoW for 10 years, and then WoW 2 was announced with no details yet, I guess you would probably be interested in how it was going to be too? No? "When people don't know much about something, they tend to fill in the blanks the way they want them to be filled in. They are almost always disappointed." - Will Wright |
Its like all hype, generated without all that much to really support it. It helps greatly that its Everquest, the series that started the MMo scene we know today (something which people neglect to give credit WoW took a majority of their design from). The original Everquest was a big thing in the day and a great game at that. |
Originally posted by jdnyc This ^-^ Plus it is is EQ! |
Originally posted by Kniknax How patronizing. The OP just sounded perplexed and curious to me, and I happen to agree. Unless you were involved in the last 2 months of discussions (which were 99% speculation) it all doesn't make a lot of sense as there really isn't a base for the threads aside from pure hype. Asking for a source for 30+ pages of hype (this forum alone) isn't out of the question. All he asked was, "Why?". |
There hasn't been a new EQ since 2004. A large amount of the hype is the promise of new ideas and not doing the same old shit (FF14 and Wildstar). EQ in a sandbox.... Also, a little thing called nostalgia.
Thanks for all the replies! Especially those who were kind enough to give their honest opinions why they are looking forward for EQN or why they believe others are. And I'm sorry for those who felt like I was wasting their time. Just to specify - I'm not against hype. Not at all, I'm actually one of those gamers who get hyped really easily. Sometimes I even feel I enjoy the wait for a new MMO more than actually playing it. I suppose that's why I got a lil' worried when suddenly everyone around here started talking EQ and I was left baffled. I've played EQ, but not too much. I got into the MMO scene too late to truly appreciate the magnitude of Everquest. But I'm now definitely interested in the SOE event reveal, more than I was before making this thread =) |
Originally posted by christwood it's just the only thing to hype atm. for a real hype you need a minimum of infos. if you have more than that, you can't hype. "I'll never grow up, never grow up, never grow up! Not me!" |
I think the topic title should have the "y" in the word Hype replaced with an "o".
Death is nothing to us, since when we are, Death has not come, and when death has come, we are not. |
Hype? I guees alot of it is due to people being ready for challenging sandbox mmo's to make a comeback, though personally I am quite skeptical due to SoEs track record this last decade. That said, if SoE is able to properly learn from theyr past mistakes, and manage to tie together some of the truely amazing stuff some of theyr mmos had, they have the opportunity to make something truely amazing. |


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I stayed here earlier this year. The service was okay. But the building was quite far from the nearest bus stop or train station. The room was small but did not expect much as it is considered as a budget hotel
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Accounting for credit card fees
Is anyone aware of an accounting policy statement supporting treatment of credit card fees as an offset against revenue (e.g., cost of services sold) as opposed to an operating expense? Our company treats credit card fees this way but I need to pull together a policy memorandum supporting that treatment.
Good morning. My hospital records the credit card fees as an operating expense. This handling developed from relative amounts and the nature of our business - the credit card fees are a very small fraction of our expenses, and, as a hospital, our cost of sales relates more to medical suuplies.
I hope this helps.
I suggest you read this EITF and make a case for either gross or net reporting.
Thanks, great suggestion.
I found this free recorded webinar titled "Leveraging Analytics & Managing Debit Card Merchant Fees" which covers many aspects of this topic:
Proformative also has a
"Free Guide To Accounting Resources"
It's a handy list of resources for further info on accounting questions of all kinds.
I hope it helps!
Best... Sarah
Which EITF is Zach Koekemoer referring to? Could somebody post a direct link or let me know which article it is? Thanks!
I've never previously heard of a company classifying credit card fees directly against revenue. Here are a few thoughts pro/con.
Pro : Would want to see this on a seperate GL account or P&L Line item, treated as a sales discount/allowance. The argument here might be valid if you are following some cash method of accounting for revenues.
The Sales Discount/Allowance approach would seem to be the only potential argument. However, would expect SD&A's to be related to customer volumes, special deals, promotional pricing, sales price adjustments to resolve an issue with a customer to collect payment (in lieu of becoming a bad debt).
Cons : My experience in a variety of industries has been for this to be a G&A line item expense. It is variable in nature, driven by revenue and payment type mix. Have even gone as far to isolate on the GL account level each credit card type for the merchant processing fees, i.e. MV/Visa, AMEX, Discover, etc.
I consider credit card fees to be similarly related to collection fees/costs. In accepting credit cards, the business has decided to absorb these processing costs as a convenience to the customer, and as a way to turn sales into cash quickly vs. doing some direct AR billing, which can put at risk ever collecting the revenue from the sales, leading to another G&A line item costs for Collection Expenses and Bad Debts.
When/if you reserve for and/or write-off bad debts, where is this being classified. In following your company's accounting treatment vs. revenue for credit card fees, to be consistent, would expect bad debt accounting processes to hit revenue classification, which I think is a mistake.
Bad Debts - Once the goods or services have been delivered, you have a valid sale. This issue is collection of cash. The only instance to reduce revenue I've done is where the Sales Dept has decided to adjust prices or invoice amount to settle a dispute (quality, quantity, continuing relationship, etc.) But if Sales is not willing to do this, stands by the validity of the sale, revenue should not be impacted, the write-off cost goes to a SG&A expense classification. Since the credit card fees intent partially at least is to avoid this, why would this be a revenue reduction?
Also, ask the question - whenever you get a Credit Card charge back that the company "eats", how is this transaction recorded? Under what your company does to reduce revenue for the credit card fees, do they "unwind" the revenue, or classify this as a write-off. If hitting revenue, the COGS still exists.
Next would be accounting for and reconciling Sales Tax Liability. On the credit card charge back, Sales Taxe liablity is typically (or should be) reduced. You don't have to pay for sales taxes that you ultimately did not collect.
I like to be able to reconcile Sales Tax return receipts to revenue line items, without any significant distortion or complexitites. Credit card fees charged vs. revenue (an not isolated at the GL account level) are likely to create this reconciliation complexity.
Do you accept personal checks at the point-of-sale. If so, do you use a check acceptance approval service. Most of these typically run 2%-3% of the check amount, very similar to the cost of credit card fees. If you do this, how are these fees accounted for, should be the same as the credit card fees?
Hope this helps, Randy
Randal - your reference to Sales Tax recovery caught my eye. We don't currently do this. I don't think it would be material to our business but I sure don't see the point in leaving cash on the table. In your experience, is this a normal and accepted (by state tax authorities) practice?
Recording credit card fees netted against revenue strikes me as a cash-basis method of accounting, but it can later create a number of issues. You would need to ensure that returns / refunds are handled similarly. Also, credit card fees are different depending on the card type (VISA, AMEX, etc.) in addition to specific card characteristics (loyalty rewards card, CVV2 verification, etc.). This makes the handling of the discount at a transactional level extremely difficult - typically recorded once the credit card settlement statement is received.
Given all of this, I don't know what you gain by recording sales net of the discount. Practically, the discount is a cost of doing business - like staffing a collections department would be for open AR. Also, this would have a tendency to mask the opportunity to mitigate this cost when it is wound tightly into the sales side of the business. Many online businesses, for example, are turning to ACH-based methods of payment. Depending on how it is constructed, the cost of these range from a very small transaction fee to typical credit-card discount rates. Meanwhile, private-label cards with short-term financing options can offer very low discount rates on 90 day SAC type arrangements. I would find it more difficult to manage a dynamic payment method portfolio if it were wound tightly into sales.
Randy also raises a good point around credit-card chargebacks and chargeback recovery. If all of this is wound tightly into sales, I don't think it ultimately gets the attention deserved. Cash is indeed king, but financial classification and reporting is also about management of cash inflow and outflow streams.
We do expense our credit card fees as an offset within our cost of sale account (and we are accrual base accounting). However, we leave our revenue at gross and then offset all of our costs for revenue to get to our gross margin.
Our P&L looks like:
Business Line 1 $500.00
Business Lien 2 $700.00
Gross Revenue: $1200.00
Cost of Sale:
Business Line 1 ($50.00)
Business Line 2 ($75.00)
Total COS: ($125.00)
Gross Margin: $1,075.00
Most if not all of our clients have an operating expense line for card processing fees whether they sell a product or service. You ask an interesting questions...I've asked our accounting firm for some additional guidance. I'll let you know what I hear.
As long as you are recording the credit card fees as they are incurred and matching time period of recording fees against the relative revenue I don't think you have a GAAP or IFRS problem other than if the amount is material you might need to disclose the treatment in audited statements as this would not be the NORMAL classification. Since this is not a common practice, which would cause you to have gross profit percentages that were skewed and not comparable to industry norms, but it obviously won't change the bottom line net income.
Assuming you are US based you might also cause a red flag with the IRS as gross profit percentage is one of the criteria they measure to determine which companies to audit.
In a public co., our classification of credit card fees was as operating expenses (even if it was variable, based upon volume of transactions) was ok. Our external auditors agreed that it was similar to 'freight out' expenses.
Chargebacks, etc. were classified as 'Returns and allowances', a direct contra- to Revenues. A case can be made to call it 'bad debt' and include in COS, thereby grossing up revenues.
Business expenses are classified as Cost of Good Sold (COGS), Selling or General & Admin (G&A). COGS is deducted from Revenues to get Gross Profit. Operating expenses are either Selling or G&A expenses. Selling expenses include freight out, credit card processing fees, advertising, marketing/promo, etc. So, credit card processing fees are an operating expense.
Why should your business accept credit cards?
Why Accept Credit Cards? Every Business needs to accept credit cards for payment in today With a troubled economy consumers want choices when it comes making payments. All to often businesses lose customers when they don't accept credit cards as a from of payment. Let's take a closer look at this: A dry cleaning customer does $200.00 per month in dry cleaning their suits. The Dry Cleaner does not accept credit cards and tells the customer there is an ATM machine across the street; the customer never goes to that try cleaner again. Here are some of the excuses that businesses have for not accepting credit cards and when you think about it the business owner is stepping over a $200.00 sales just to save .40 cents.
'All my customers know me and I've never accepted credit cards"; "Credit cards acceptance is cost to much my customers pay cash" OK, you get the idea that accepting credit cards is an important door to your cash flow ad growing your business. By not accepting credit cards your business can only lose money and customers.
Now lets understand the process of accepting credit cards correctly and cost effectively.
There are two parts to accepting credit cards:
1) Your need a way to accept and process the credit card: ( Credit Card Machine, Online Processing, Virtual Terminal)
2) Their is a Rate you pay fro each transaction ( example : 1.69% and .19 Cents)
First let's take a detailed look at number 1
The Credit Card Machine:
There are many types of credit card terminals on the market today. Many of them are used, refurbished and Non PCI Compliant. My advice is to only get a brand new credit card terminal that is 100% PCI complaint. Here are the best terminals that are PCI compliant FD100 FD100ti FD200 FD300 FD400When you operate an old terminal you risk the terminal not qualifying the credit cards correctly resulting in penalty surcharges up to 5% on top of your rate. All it takes is a burnt out magnetic stripe reader to cause you to get a higher rate with out you knowing about it. Also if your terminal doesn't prompt you questions like - address and Zip code' for keyed in entries you will receive a penalty surcharge. Just know that your old terminal that you've had for many years which works just fine may be causing you to pay higher rates.
Rate is the most confusing part of accepting credit cards, the goal of this information is to explain things in a easy to understand way, so I will keep it simple.Visa and Master Card are an association and they set the interchange rates on every card type. Your credit card processing company must pay those fees on your behalf. So let's say the interchange rate for a Visa Corporate Card type 1 is 2.25% and .10 your credit card processing company will mark up that rate by a certain amount of basis points and that's called the discount rate. So you might see that for a Visa Corporate Card Type 1 your credit card processing company charged you 4.00% and .25 for the transaction. The end result is the credit card company made 3.75% and .15 in profit on that corporate card transaction. So how do you know what is the profit on each? You don't unless you really know how to read a credit card processing statement well. Good luck! It's really confusing to read a credit card processing statement and all statements are designed differently and again unless your more than a pro you will have a hard time trying to figure out your rates.
The easiest way to get an idea of your bundled rate is by dividing the your fees by the amount your processed and move the decimal point two to the right.
ExampleTotal Fees $800 Total Amount Processed = $20000 800 divided by 20,000 = 4% (which is a very high rate)
There are 3 ways credit card processing companies will usually set your rates up. Lets take a look at them. Most of the time believe it or not the business is set up incorrectly causing the merchant to pay high surcharges and fees. This is usually due to an inexperienced sales rep. most sales reps are poorly trained and hit the feild without knowing what their doing, it's important to have a knowledgeable sales rep. If they can't read your statement and explain to you where it really makes sense then chances are you will pay more than you should.
Rate Type 1: Rate Plus Transaction:
Rate Plus transactions is perfect for your business if you process monthly up to $50,000 and most of your cards are swiped at your terminal. Since there are many different card types out there and you have no control over which credit card type your customer will pay you with their will be a enhanced bill-back for cards that are not qualified If your business type is a retail store this is perfect for you.
Type 2 3 tier
Qualified Rate - Cards that are considered qualified ; present and swiped ( locked into a rate)
Mid Qualified Reward Cards and Keyed in entries ( locked into a rate)
Non Qualified ; Corporate cards, cards your old terminal did not qualify correctly due to the magnetic reader -or just Non Qualified.
Type 3 - Interchange Plus -
Interchange Plus is for business processing over $100K per month. example 40 basis points over the interchange rate. There are also Visa and MC assessment fees added in.
Credit card fees are typically accounted for as operating expense. There is no explicit phrase in either GAAP or SEC specifying accounting for credit card fees by entities accepting cards as payment. Most organizations charge the same price for cash or credit card transactions. with the fees on card transactions considered the cost of accepting that form of payment, and a contributor to increased margins from sales greater that "cash only" may generate. Offsetting against revenue is genrally not permitted and other topics. freight for example, are explicitly addressed by SEC guidance. Ratios based on sales will be distorted if credit card fees are offset. The practice is not "preferable".
Barrett's answer is spot on. I would call it an operating (selling) expense. The unanswered questions are: Are you a public reporting company, how material is the amount and what do your auditors say about the practice?
Barret, Thanks for your comment. I'm working on a transportation project, again, and I'd like to get the extra expense (approx.2% of sales) out of G&A. You comment, in addition to Lynn's up above Kevin's below make it clear that this should be a selling expense.
Yes, it is normal to obtain a refund of sales taxes paid on bad debts. Most states require the bad debt to be listed as a deduction, and not simply report net sales. California has a separate section of their returns for deductions, which includes sales for resale and BD. Florida allows bad debt deductions on line 6 = deductions, with a time limit of one year after the debt has been written off for Federal tax purposes.
While following GAAP is important, it is more important for company management purposes that the fees be recorded in such a way that they provide useful management information. I recommend that processing fees be recorded in a separate account and not as an offset to income. In this way, you can track your fees. You not only want to know the amount you're spending on credit card processing, but you want to make sure that you're continuing to be charged a fair percentage.
Where you classify the expense is different story. I've put them in at least three different places depending upon the client: as a sales expense, as a cost of sales or as G&A.
If you are considering classifying credit card fees as a cost of sale, seems you would classify bank fees there as well -- seems like a slippery slope. We keep them all in operating expense for our outside reporting, but for certain management reports I show them as cost of sales.
I disagree, that you can subtract Credit card fees, and calculate Sales Tax on left over amount. When I pay with credit card at the store, Sales tax collected on full purchase amount, and should be submitted as collected from the customer.
The IRS allows you to deduct certain expenses from your total income to arrive at taxable income, which is the portion of your earnings that is subject to tax. Some of these expenses include your payments of interest on a mortgage and for business loans. However, when you use a credit card for personal purchases, the interest you pay is nondeductible personal interest.
What is personal interest
Personal interest is interest you pay for goods and services you don't use for work or business-related purposes. Although not an exhaustive list, common examples include buying clothes, electronic equipment, cars and food using a credit card. When you make monthly payments that include interest, it is always nondeductible personal interest. This remains true even if you use the credit card to subsidize the purchase of your home.
If you use a credit card for business purposes. Generally many companies, whether a corporation or sole proprietorship, use credit cards to purchase equipment for use in the business, to buy necessary supplies and for many other daily transactions. When you use a credit card in this way, the interest payments you make on the credit card are deductible as a business expense. This means that you can reduce the amount of your business earnings that are subject to tax for these interest payments. However, if you use the credit card for both business and personal purposes, you need to insure that you only deduct the interest that accrues on the business-related purchases.
Interesting, I didn't notice any alluding to the fact the credit cards are just another form of factoring and should be treated as such. Thus the credit card fee is interest charged and is an expense.
What ever you call the fee is up to you, but it is an expense.
Treat them as expense and not an offset to revenue. Think of them as the reverse of cash discounts and actually figured into any product/service cost.
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White Pines Roller Rink
Fun for the entire family. Northern Illinois' largest roller rink. Top 40 music, live DJ, snack bar, arcade, complete supervision, birthday packages, private parties and group rates.
CITY: Mount Morris
White Pines Forest State Park
Enjoy recreation on 385 acres, much of it forest, with a state park lodge and provisions for tent and trailer camping. It is also noted for its vine-covered limestone bluffs.
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Van Raden Memorial Park
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Tj's Canoe Rentals
Enjoy a day on the beautiful Rock River. Take a 5 mile or 12 mile trip or canoe camp on the river. TJ's is 'Doin Canoein' on the Rock!. Check website for hours and months of operation.
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The Kable House Inn
The Kable House Country Inn Bed and Breakfast is beautifully situated on a nine acre site atop Sunset Hill and surrounded by the Sunset Golf Course in Mt. Morris; part of the Blackhawk Waterways region, stretching from the Rock River to the Mississippi and offering a multitude of recreational activities. They offer five suites with continental breakfast served in the privacy of your suite. Situated less than fifteen minutes from three state parks: Castle Rock, Lowden and the popular White Pines State Park which offer picnic areas, miles of hiking and a log cabin lodge for dining, also featuring a dinner theater.
CITY: Mount Morris
Taylor Park - Freeport
Taylor Park was originally a trotting-horse track and gives this park its oval shape and flat terrain. There are picnic areas shelters, playground areas, a three-diamond lighted softball complex, a tennis court, a basketball court, and a sand volleyball court. A concession stand is open during softball season.
CITY: Freeport
SK-8 Skateboard Heaven
This 11,000-sq.-ft. skateboard park features obstacles, ramps, rails, ledges, spines and bowls. Built specifically for skateboards and in-line skates, this facility is popular with both skaters and spectators.
CITY: Freeport
SK 8 Park
Located in Read Park, this skate park offers 11,000 square feet of skateboard heaven with obstacles, ramps, rails, ledges, spines and bowls. Built specifically for skateboards and in-line roller skates (sorry, no bikes allowed), the "street course" design mimics skateable features and obstacles found throughout the community. Helmets are required and pads are recommended.
CITY: Freeport
Rock River Valley Skydivers, Inc.
Student training. Tandem & sport/fun jumping. Demonstration jumping for events. USPA group member drop zone. Two Cessna C182 jump planes, visitors welcomed. Located at the Whiteside County Airport.
CITY: Rock Falls
Rock River Valley Self Help Enterprises Happy Trails
Five acres of walking paths, water gardens, a green house, five-hole miniture golf, swings, and gardens were all designed and maintained by the developmentally disabled clients of the Rock River Valley Self Help Enterprises.
CITY: Sterling
Rock River Cruise
For those with an urge to explore a genuine Illinois prairie, this ride takes you past one of the largest pieces of preserved prairie in the state. The Rock River Cruise is 34.7-miles of moderate difficulty, with a few small climbs along the way. Stop off and visit some of the many attractions along the way, including the John Deere Historic Site and the charming town of Oregon.
CITY: Franklin Grove
Robert F. Apple - Fishing Guide
Fishing guide - muskies, walleyes; all equipment furnished.
CITY: Chadwick
River Road Camping and Marina
30-acre full-service campground with heated pool open to the public. Canoe rental, boat ramp and launch, gas, general store, volleyball, basketball, game room and playground.
CITY: Oregon
Read Park
Read Park offers many recreational opportunities and is highlighted by the Read Park Family Aquatic Center, which includes a zero depth pool, water slides and play area, and by a state of the art 11,000 square foot skate park, SK8 Park. This scenic park also features baseball and softball diamonds, tennis courts, sand volleyball courts, an outdoor lighted hockey and ice staking rink, concession stand, picnic areas, shelters, and playgrounds. The Morgan Memorial, a charming statue of two children surrounded by fountains, is a serene spot to enjoy. Park attractions are open seasonally; please call ahead to confirm availability of specific attractions and costs.
CITY: Freeport
Prairie View Golf Course - Byron Forest Preserve
This 18-hole course has bent grass fairways, tees and greens, a practice area, full-service clubhouse, and rental carts with canopies.
CITY: Byron
Pineview Campground
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CITY: Amboy
Park Hills Golf Course
This award-winning (3 1/2 stars in Golf Digest) public course offers incomparable playing conditions on two 18 hole, 72-par courses. The gently rolling terrain, manicured greens and abundant wildflowers make Park Hills Golf Couse the destination for thousands of visitors every year. The West Course is 6600 yards, and the East Course is 6400 yards. Watered fairways, varying distance tees, a 300 yard driving range, clubhouse and pro shop are offered. Green Fees: Weekday - 9 hole: $16; 18 hole: $25, Weekend - 9 hole: $18; 18 hole: $28; Weekday or Weekend Cart Fees: 9 hole: $20; 18 hole: $32.
CITY: Freeport
Paone's Blackhawk Lanes
This bowling alley features 20 lanes, a pro shop and a lounge.
CITY: Sterling
Oppold Marina
Offers boat access to the Rock River, with a 50-ft. renovated boat launch. During the summer season, offers boat gas, concessions, paddleboat/rowboat/canoe rentals as well as 2 large shelters for family reunions and parties,
CITY: Sterling
Oakdale Nature Preserve
This Nature Preserve offers 133 acres of oak and hickory woodlands, restored prairies and shallow streams. Over four miles of winding trails are great for hiking, running, cross-country skiing, nature study and quiet reflection. Facilities, which are available to rent, include the Mogle Learning Center with meeting space for 20 people.
CITY: Freeport


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URS Corporation
based in San Francisco, CALIFORNIA (USA)
URS Corporation is a leading provider of engineering, construction and technical services for public agencies and private sector companies around the world. The Company offers a full range of program management; planning, design and engineering; systems engineering and technical assistance; construction and construction management; operations and maintenance; and ...
P S Analytical Limited
based in Orpington, UNITED KINGDOM
P S Analytical specialises in the design and manufacture of instruments for elemental analysis, from individual analysers to complete automated systems tailored to customer requirements. A range of mercury analyzers / mercury analysers.