text:
Laws governing the initiative process in Utah
Citizens of Utah may initiate legislation as either a direct or indirect state statute. In Utah, citizens also have the power to repeal legislation via veto referendum. Citizens may not initiate constitutional amendments. The Utah State Legislature, however, may place legislatively-referred constitutional amendments on the ballot with a two-thirds majority vote of each chamber.
Crafting an initiative
Of the 24 states that allow citizens to initiate legislation through the petition process, several states have adopted restrictions and regulations that limit the scope and content of proposed initiatives. These regulations may include laws that mandate that initiatives address only one topic, restrict the range of acceptable topics for proposed laws, prohibit unfunded mandates, and establish guidelines for adjudicating contradictory measures.
Single-subject rule
- See also: Single-subject rule
In Utah, each proposed measure must address only one subject clearly expressed in its title.
See law: Utah Constitution, Article VI, Section 22 & Utah Code, Title 20A, Chapter 7, Section 202(5)(d)
Subject restrictions
- See also: Subject restrictions (ballot measures)
Any initiated measure that would "allow, limit, or prohibit the taking of wildlife or the season for or method of taking wildlife" requires a two-thirds supermajority in Utah.
See law: Utah Constitution, Article VI, Section 1(2)
Competing initiatives
Utah law provides that in the event that two measures conflict, the measure with the most affirmative votes supersedes the other. The Governor of Utah is responsible for determining whether two measures conflict--his decision can be appealed to the Utah Supreme Court.
See law: Utah Code, Title 20A, Chapter 7, Section 211
Starting a petition
Each initiative and referendum state employs a different procedure for filing petition applications. Some states require preliminary signatures while others do not. In addition, several states review each proposed statute, verifying that the law conforms to the style and conventions of state law and recommending alterations to initiative proponents. Some of these states also review the law for more substantive considerations of content and consistency. Also, many states conduct a review of the ballot title and summary, and several states employ a fiscal review process which analyzes proposed laws to determine their impact on state finances.[1][2][3]
Applying to petition
- See also: Approved for circulation
At least five sponsors (each a Utah resident who has voted in the past three years) must apply in order to start a statewide petition. Along with a form identifying the sponsors, proponents must submit the full text of the measure, a descriptive title, and a statement regarding their planned use of paid petition circulators. Applications should be submitted to the Lieutenant Governor.
- The sponsor application form can be found here.
See law: Utah Code, Title 20A, Chapter 7, Section 202
Proposal review/approval
- See also: Approved for circulation
Once an application has been submitted, the Lieutenant Governor reviews the measure. The application will be rejected if the measures is "patently unconstitutional," "nonsensical," could not become law if passed, contains more than one subject, or does not clearly express the subject in its title. Compliance with the state's limits on re-attempting initiatives is also assessed. At this time, the measure is also submitted to the Governor's Office of Planning and Budget for a fiscal analysis.
Although other states require public hearings on proposed measures, Utah is the only state where that process is part of the review/revision process. After the fiscal review has been complete and prior to collecting signatures, sponsors must host seven meetings around the state to gather feedback. Rules regarding the geographic distribution of these hearings are set forth by state statute and sponsors are required to make a record (audio, video, or detailed minutes) for publication by the Lieutenant Governor. After the final hearing, sponsors have two weeks to submit modifications to the proposed measure. The changes must be germane to the original text of the measure and are also subject to review by the Lieutenant Governor and Office of Planning and Budget.
See law: Utah Code, Title 20A, Chapter 7, Section 202 & Section 204.1
Fiscal review
- See also: Fiscal impact statement & Utah House Bill 422S01 (2014)
Once the Governor's Office of Planning and Budget has received the proposed measure, it must prepare an "unbiased, good faith estimate of the fiscal impact" of the measure. This estimate should also list any funding sources for the measure and the effect of the proposal on public indebtedness. It may also contain a caveat concerning the reliability of the estimate if the effects of the measure are difficult to predict. The estimate is included on the petition, in the voter information pamphlet, and on the ballot. This fiscal impact report must also include the estimated legal impacts of the measure, which includes the costs of possible or likely litigation and settlements.
For referendums, a similar fiscal and legal impacts statement is required.
See law: Utah Code, Title 20A, Chapter 7, Section 202.5, Section 203, Section 209 & Section 702
Collecting signatures
Each initiative and referendum state employs a unique method of calculating the state's signature requirements. Some states mandate a certain fraction of registered voters while others base their calculation on those who actually voted in a preceding election. In addition, many states employ a distribution requirement, dictating where in the state these signatures must be collected. Beyond these overarching requirements, many states regulate the manner in which signatures may be collected and the timeline for collecting them.
Petition form
Any signature petition sheet for an initiative must contain a statement saying the signer has read and understands the law proposed by the initiative. For a referendum petition, a statement must be included that says the signer has read and understands the law that the referendum petition seeks to overturn.
See law: Utah House Bill 192 (2014)
Number required
- See also: Utah signature requirements
The number of required signatures is tied to the number of votes cast in Utah for the office of President in the most recent Presidential election. Before 2011, the basis for signature requirements was the gubernatorial election. For directly initiated statutes and veto referendums, proponents must gather signatures equal to 10% of the total votes cast for President. For indirectly initiated statutes, proponents must get 5% of this vote. If the legislature chooses not to adopt the measure, proponents must collect another 5% to place the measure on the ballot.
|Direct statute
|Indirect statute Round 1
|Indirect statute Round 2
|Veto referendum
See law: Utah Code, Title 20A, Chapter 7, Section 201, Section 208 & Section 301
Distribution requirements
- See also: Distribution requirements
In Utah, ballot measures are subject to a distribution requirement. For directly initiated state statutes, signatures must be collected from each of at least 26 of the 29 Utah State Senate districts equal to 10% of votes cast for President in that district.
For indirect initiatives, signatures must be collected from each of at least 26 of the 29 Utah State Senate districts equal to 5% of votes cast for President in that district. If a second round of signatures is collected, the signatures as a whole (equaling 10% of the vote cast for President) are subject to the requirement for direct initiatives.
For referendum petitions, signatures must be collected from each of at least 15 of the 29 counties in Utah equal to 10% of votes cast for President in that county.
See law: Utah Code, Title 20A, Chapter 7, Section 201, Section 208 & Section 301
Restrictions on circulators
Circulator requirements
- See also: Petition circulator
In Utah circulators are forbidden from signing the petition that they are circulating. Each initiative petition contains a mandatory circulator affidavit. Circulators are not required to sign these affidavits before a public notary, but must swear to and sign a statement, under the penalty of law, that they personally witnessed every act of signing the petition.[4] Paid circulators must be at least 18 years old and meet the residency requirements of Section 20A-2-105. When petitions are being circulated by paid circulators, the sponsors of the initiative must file a report with the lieutenant governor.[5] Once circulation is completed, the petition sponsors must deliver each signed and verified initiative packet to the county clerk of the county in which the packet was circulated.[6]
See law: Utah Code - 20A-7-203, 20, 20A-7-205, 205.5 & 20A-7-206
- See also: Pay-per-signature
Utah does not ban paying circulators by the signature.
See law: Utah Code, Title 20A, Chapter 7, Section 205 & Section 205.5
Out-of-state circulators
Utah requires petition circulators to be residents of the state.
See law: Utah Code, Title 20A, Chapter 7, Section 205 & Chapter 2, Section 105
Badge requirements
- See also: Badge requirements
Utah does not require signature gatherers to disclose their paid or volunteer status.[7]
See law: Utah Code, Title 20A, Chapter 7, Section 205 & Section 205.5
Electronic signatures
- See also: Electronic petition signatures
Since electronic signatures are an emerging technology, the constitutionality of bans on e-signatures and the legality of e-signatures in states without bans is largely untested. Utah does not permit electronic signatures.
See law: Utah Code, Title 20A, Chapter 7, Section 101 (18b)
Deadlines for collection
- See also: Petition drive deadlines; Circulation period
All signatures for Utah initiatives must be submitted within 316 days of the initial filing or by April 15 of the general election year--whichever is sooner. The first round of signatures for indirect initiatives are due on the November 15 prior to the general session where the petition will be considered. Signature sheets must be submitted to the county clerk in the county where the sheets were circulated.
See law: Utah Code, Title 20A, Chapter 7, Section 206
Getting on the ballot
Once signatures have been collected, state officials must verify that requirements are met and that fraudulent signatures are excluded. States generally employ a random sample process or a full verification of signatures. After verification, the issue must be prepared for the ballot. This often involves preparing a fiscal review and ballot summary.
Signature verification
- See also: Signature certification
In Utah, each signature is verified by the county clerks in the county where the signature was collected. County clerks follow a two-stage process for signature verification. First, the signatures are examined, and any signatures by non-Utah residents or persons under the age of 18 are noted and reported to the county attorney and the state Attorney General. Next, the signatures are checked against the state voter registration database. Once the county clerks have reviewed and certified the signatures, the petition forms are delivered to the Lieutenant Governor who counts the total number of certified signatures and declares the petition either sufficient or insufficient.
See law: Utah Code, Title 20A, Chapter 7, Section 206 ; Section 206.3 & Section 207
Ballot title and summary
- See also: Ballot title
In Utah, each initiative or amendment is assigned a number or letter, respectively. For each general election, the numbering (lettering) begins at 1 (A). In addition to this generic title ("Initiative 1," "Amendment A"), each Utah ballot measure also receives a ballot title drafted by the Office of Legislative Research and General Counsel. The ballot title is a statement of 100 words or less impartially summarizing the measure--it may differ from the descriptive title chosen by sponsors prior to circulation. The ballot also includes the fiscal impact statement drafted by the Governor's Office of Planning and Budget.
See law: Utah Code, Title 20A, Chapter 6, Section 107 & Chapter 7, Section 209 & Section 202.5
The election and beyond
Ballot measures face additional challenges beyond qualifying for the ballot and receiving a majority of the vote. Several states require ballot measures to get more than a simple majority. While some states mandate a 3/5 supermajority, others states set the margin differently. In addition, ballot measures may face legal challenge or modification by legislators. If a ballot measure does fail, some states limit how soon that initiative can be re-attempted.
Supermajority requirements
- See also: Supermajority requirements
Any measure that would "allow, limit, or prohibit the taking of wildlife or the season for or method of taking wildlife" requires a two-thirds supermajority in Utah. All others require only a simple majority.
See law: Utah Constitution, Article VI, Section 1(2)
Effective date
If an indirect initiative is adopted by the Legislature, it takes effect 60 days after the adjournment of the legislative session. Unless otherwise specified in the measure, direct initiatives take effect five days after the Governor proclaims the official election results.
See law: Utah Code, Title 20A, Chapter 7, Section 212
- See also: Ballot measure lawsuit news
Any three of the petition sponsors may challenge the ballot title. This challenge must be filed by July 30 (sponsors must be mailed notification of the ballot title decision by July 21). Within 20 days of the delivery of the fiscal impact statement to the Lt. Governor, any three sponsors may challenge in the statement. In both of these cases, the challenge should be filed with the Utah Supreme Court. There is a rebuttable presumption that the state's title and statement are fair and accurate.
Any person may challenge the Lt. Governor's determination of sufficiency. Such challenges should be filed with the state Supreme Court by June 15. The deadline for the Lt. Governor to make his or her determination is June 1.
See law: Utah Code, Title 20A, Chapter 7, Section 202.5209 ; Section 207 & Section 209
Legislative tampering
- See also: Legislative tampering
The Utah State Legislature may amend any initiated statute by a simple majority vote. When presented with an indirect initiative, the Legislature may make technical corrections to the proposed law.
See law: Utah Code, Title 20A, Chapter 7, Section 208 & Section 212
Re-attempting an initiative
Once signatures have been filed, no "identical or substantially similar" measure may be submitted for circulation (initial filing/application) for two years.
See law: Utah Code, Title 20A, Chapter 7, Section 202(5f)
Funding an initiative campaign
Some of the notable features of Utah's campaign finance laws are:
- Utah bans labor unions from making donations to referendum campaigns as a condition of membership.
- All corporations who donate $750 or more in a referendum campaign must register with the Lieutenant Governor of Utah.
- Utah bans unapproved political advertising, only with the express consent of a registered committee's leadership.
- Utah bans public entities from donating to campaigns in support or opposition of a referendum.
State initiative law
Article VI of the Utah Constitution addresses initiatives.
Title 20A, Chapter 7 of the Utah Code governs initiatives.
External links
- Vote.Utah.gov, "On My Ballot--Issues and Propositions"
- Utah Lieutenant Governor, "Utah Initiatives"
- Utah Lieutenant Governor, "Utah Referenda"
- Utah Lieutenant Governor, "Forms and Fees"
- ↑ NCSL, "Drafting the Initiative Proposal," accessed May 19, 2011
- ↑ NCSL, "Preparation of a Fiscal Analysis," accessed May 19, 2011
- ↑ NCSL, "Preparation of a Ballot Title and Summary," accessed May 19, 2011
- ↑ Utah Legislature, "Utah Code - 20A-7-203, 205," accessed September 9, 2013
- ↑ Utah Legislature, "Utah Code - 20A-7-205, 205.5," accessed September 9, 2013
- ↑ Utah Legislature, "Utah Code - 20A-7-206," accessed September 9, 2013
- ↑ NCSL, "Paid vs. Volunteer Petitioners," June 17, 2010
State of Utah
Salt Lake City (capital)
|Ballot measures
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Utah State Constitution | House of Representatives | Senate | Office of Legislative Research and General Counsel |
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Sunshine Law | Transparency Legislation | Transparency Advocates | Transparency blogs | State budget | Taxpayer-funded lobbying associations |
State |
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|Ballot law
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|Ballot Law Update
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| Laws governing
local ballot measures
|1 Laws and procedures
|2 Changes in the law
|2.1 Proposed changes by year
|2.1.1 2012
|2.1.2 2011
|2.1.3 2010
The following laws have been proposed which modify ballot measure law in Utah.
Proposed changes by year
Utah House Bill 119 (2012): Requires the Lieutenant Governor of Utah to conduct a study regarding online signature gathering for ballot measure, new party, or candidate petitions.
Utah Senate Bill 165 (2011): SB 165 changes the basis of Utah's signature requirements from the number of votes cast in the last gubernatorial election to the number of votes cast in the last presidential election. This will raise the number of signatures required. In addition, the bill bans electronic signatures for ballot initiatives. Citizens in Charge Foundation rating: Reduces initiative rights.[1]
Utah Senate Bill 280: Bill description/summary: "This bill modifies the Election Code to establish procedures for submitting a nonbinding opinion question to the voters of Utah."
Utah Senate Bill 72: Bill description/summary: "This bill: requires an initiative to contain no more than one subject to the same extent a bill may not pass with more than one subject under the Utah Constitution; authorizes initiative petition sponsors to change the text of a proposed law following public hearings; and requires the Governor's Office of Planning and Budget to update an initial fiscal impact estimate if the text of a proposed law is changed."
The following proposals were made during the 2009-2010 session of the Utah Legislature:
Utah House Bill 44 (2010): HB 44 changes how certain terms in Utah's initiative laws are defined. The bill passed by a 70-2 vote on January 25, 2010 in the Utah House of Representatives. The bill passed the Utah State Senate by a 24-0-5 vote on February 25, 2010 and was signed into law by the Governor of Utah on March 29, 2010[1].
Utah Senate Bill 119 (2010): SB 119 requires that any special election involving bonding, levies, or sales taxes must have a 2/3rd's vote from the governing body requesting the election.[2]
SB 177: Modified signature requirements for Utah initiative petitions. The bill died in committee without a floor vote in either house of the Legislature[3].
Utah Senate Bill 275 (2010): SB 275 changes the procedures for the withdrawal of signatures from initiative petitions, removing the requirement for a notarized statement. This requirement is replaced by a requirement for a signed statement, including voter's identification info and address.[2]
State of Utah
Salt Lake City (capital)
|Ballot measures
List of Utah ballot measures | Local measures | School bond issues | Ballot measure laws | Initiative laws | History of I&R | Campaign Finance Requirements |
Utah State Constitution | House of Representatives | Senate | Office of Legislative Research and General Counsel |
|State executive officers
Governor | Lieutenant Governor | Attorney General | Treasurer | State Auditor | Superintendent of Public Instruction | Commissioner of Insurance | Commissioner of Agriculture and Food | Director of Natural Resources | Commissioner of Labor | Utah Chairman of Public Service Commission |
|School boards
Utah Supreme Court | Court of Appeals | District Courts | Juvenile Courts | Judicial selection in Utah |
|Transparency Topics
Sunshine Law | Transparency Legislation | Transparency Advocates | Transparency blogs | State budget | Taxpayer-funded lobbying associations |
State |
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- Laws governing the initiative process, by state
- Ballot measure law, Utah
- States with initiated statutes
- States with veto referendum
- States with a single-subject rule
- States with subject restrictions
- States with a superseding initiative rule
- States with a supermajority requirement
- States with a distribution requirement
- States with fiscal impact statements
- States with a residency requirement
- States with a limit on re-attempting initiatives
- Petition verification, actual
- Circulation period, less than one year


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Rembrandt Self-Portrait Found To Be Authentic
June 10 2014 10:22 AM EDT
A Rembrandt self-portrait has been declared an original work of the 17th-century painter.
Massimo Vignelli, NYC Subway Map Designer, Dead At 83
May 27 2014 3:42 PM EDT
Italian-born designer Massimo Vignelli, famous for redesigning the New York City subway map, died Tuesday in his Manhattan home. He was 83.
The Day In Pictures [SLIDESHOW]
May 22 2014 7:58 AM EDT
10 photos from around the world.
Christie's Art Sale In New York Rakes In Record Amount
May 14 2014 7:50 AM EDT
The two-day sale brought in $879.5 million, the highest total in art-market history.
$27M Monet Sale Belies Auction House's Bad Night
May 07 2014 9:57 AM EDT
The Christie's auction of impressionist and modern paintings started strong, but major works brought millions less than projected.
Fancy A Monet From China?
April 24 2014 11:26 AM EDT
The village of Dafen produces more than 100,000 copycat paintings each year.
New Warhol Artwork Pops Out Of 30-Year-Old Floppy Disks
April 24 2014 11:05 AM EDT
New artwork belonging to pop artist Andy Warhol was found on floppy disks from 1985 thanks to a project led by Carnegie Mellon University's computer club.
Chinese-American Artist Claims Ignorance After Being Charged In $33M Art Scam
April 23 2014 2:48 AM EDT
Pei-Shen Qian claimed that he was "unfamiliar with the names" of the artists whose signatures he allegedly forged on paintings.
Banksy Strikes Again: 2 Striking Murals Show Up In UK
April 14 2014 7:23 PM EDT
In his two most recent pieces, Banksy comments on government surveillance and our increasingly technology-dependent lives.
Coming To The Rescue In Detroit: Chinese Money
April 10 2014 4:00 PM EDT
For Chinese investors, items in the Detroit Institute of Arts collection would be a point of national pride, not just portfolio pieces.
'Holy Grail' Of China's Art World Sold For Record $36M
April 09 2014 3:05 AM EDT
The "chicken cup," which was sold to Shanghai collector, Liu Yiqian, would likely go on display in his Long Museum in Shanghai.
Japanese Architect Wins 2014 Pritzker Prize
March 25 2014 1:54 AM EDT
The architect is known for designing low-cost recyclable buildings for disaster victims using unconventional material.
Animatronic Doll Performs 'Disturbing' Dance In New York City Art Gallery
March 24 2014 4:44 PM EDT
An animatronic doll created by artist Jordan Wolfson has amassed a viral following.
2014 Sony World Photography Awards: The Winning Photos
March 19 2014 12:40 PM EDT
The World Photography Organization announced the winners of the 2014 Sony World Photography Awards. Take a look at the winning shots here.
Italian Government Angry With American Arms Manufacturer
March 10 2014 7:44 AM EDT
Michelangelo's David, at the Accademia museum in Florence, is considered a masterpiece of the Renaissance and was created in the early 1500s.
Will Cuba's 100 Stolen Art Pieces Find Their Way Home?
March 04 2014 3:48 PM EST
Almost 100 works of art have been stolen from Havana's Art Museum. The FBI investigates, but mystery remains deep.
Your 2014 Guide To Carnival Season
February 28 2014 5:19 AM EST
Gather all your feathers, strap on your samba outfit and prepare to earn some beads. Carnival season has arrived!
Money Smugglers Develop A Taste For Art
February 21 2014 10:58 AM EST
Fine art has emerged as a surprisingly convenient channel for wealthy Chinese to send their illegal cash abroad.
US 'Facing An Imminent Clown Shortage'; Really?
February 18 2014 8:34 PM EST
Kids just don't want to clown around anymore, according to a new report that claims clowns are a dying breed.
Miami Painter Breaks Ai WeiWei Vase Worth $1M
February 18 2014 4:39 AM EST
Maximo Caminero reportedly told the police that he was protesting against the museum because it failed to exhibit work by local artists.

subset: commoncrawl


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Mass transit, emphasis on mass
The Secaucus train station is a zoo. Stairs upstairs at a standstill. #SB48 pic.twitter.com/OG4680cNHM— Dan Poss (@PossPhotography) February 2, 2014
Live coverage of the 2014 Super Bowl (Super Bowl XLVIII, for those who enjoy Roman numerals). Game analysis, all of the ads and everything you might want to know about the big game.
The Secaucus train station is a zoo. Stairs upstairs at a standstill. #SB48 pic.twitter.com/OG4680cNHM— Dan Poss (@PossPhotography) February 2, 2014
Malcolm Smith's postgame press conference was briefly interrupted by a man who stepped to the podium and said, "9/11 was perpetrated by our own government."
He was quickly ushered off the podium, but it was a rather shocking security lapse. Smith initially looked stunned, then recovered and said, "Somebody check his press pass."
The man's identity was not immediately know, although it wasn't Pete Carroll, whose own 9/11 beliefs were the subject of a Deadspin story last spring.
Some whacko interrupted Malcolm Smith's press conference to say 9/11 was a conspiracy. http://t.co/MlfCTK5X0Q / pic.twitter.com/nX1JqAar8l— Sporting News (@sportingnews) February 3, 2014
H/T SB Nation for the Vine
There was massive congestion as fans rode trains to the game and, when the Super Bowl was over, the congestion was back.
In fact, New Jersey State Police and MetLife Stadium officials were urging fans to stay for a while rather than head for the NJ Transit train ride to Secaucus Junction.
Fans leaving by train encouraged to enjoy the stadium atmosphere until congestion dissipates. pic.twitter.com/b8eyAVL2rd— NJSP - State Police (@NJSP) February 3, 2014
Trains are at @MLStadium station now for those fans heading home - they are operating on a load-n-go basis for the remainder of the evening— NJ TRANSIT (@NJTRANSIT) February 3, 2014
Quite the line to get on the train out of the stadium pic.twitter.com/hOHTSVUNEr (via @jayg33, @JeffDLowe)— darren rovell (@darrenrovell) February 3, 2014
There are still thousands of #SB48 fans jammed on the @NJTRANSIT platform trying to go home. #superjersey pic.twitter.com/XgVKaPfYAo— Andrew Mills (@Andy_Mills_SL) February 3, 2014
Richard Sherman left MetLife Stadium on crutches and in a walking boot after injuring his ankle in the Seattle Seahawks' victory over Denver.
"I caught a bad play on a screen play," he said on the NFL Network after the game. "I got twisted up, my ankle got sprained pretty bad. I tried to take some pills and go out there and keep playing. They ran a curl route and I gave it my all. I put my foot in the ground knowing it was going to hurt and it popped again. I was able to make the play and help my team. I knew we had the guys to step in when I stepped out, but I didn't want to let my teammates down."
The team announced that Sherman has a high ankle sprain and that X-rays were negative.
Marshawn Lynch, a running back of few words, was asked if winning the Super Bowl was the greatest day of his life.
"Next to being born."
The Seattle Seahawks might not have made it to the Super Bowl if Malcolm Smith hadn't caught the pass tipped by Richard Sherman in the NFC championship game and he followed that up with a pick-six of Peyton Manning on Sunday night.
One a night when all the Seahawks played well, Smith was just a little better and the linebacker was named the game's MVP.
"No way," Smith said, when Michael Strahan asked him if he had any idea what lay before him in Super Bowl XLVIII. "It felt good, though. I woke up, jumping, bouncing and it turned out great for us tonight."
Pete Carroll grabbed hold of the Vince Lombardi Trophy and promised to take it back to the "12th man," Seattle's fans.
But first, he talked about the road to the championship.
"This is an amazing team. These guys started a long time ago. It took four years to get to this point. They've never taken a step sideways or backwards from going forward. … I'm so proud to be part of them, all the work that [General Manager] John [Schneider] has done to put this team together. These guys right here would not take anything but a win in this ballgame."
Russell Wilson described the Seahawks' season-long mentality and focus in a postgame interview.
"It's a true blessing. God is so good. We believed that we would get here. At the beginning of the season I told the guys, 'Why not us?' We believed that we could get here. We have the talent, we have the coaching staff, we have the best fans in the National Football League," he told Pam Oliver. "We wanted to win it all. … That was our mentality throughout the whole thing. We continued to grow, we continued to fight together. We have great teammates, man. I couldn't have done it without all the guys."
The influence of his late father led Wilson to this moment — and away from playing baseball for a living (as Kent Babb wrote).
"He used to always tell me, 'Russ, why not you?' What that kind of meant was 'believe in yourself, believe in the talent God's given you…you can go a long ways.' That's why I decided to play football and to go against the odds a little bit."
Naturally, you can follow the puppy on Twitter.
Well that was a dumpster fire of a Super Bowl, so here are the final stat leaders. The Broncos have now lost more Super Bowls than any team in history, while the Seattle Seahawks just got their first.
Russell Wilson: 18 for 25, 206 yards, 2 touchdowns
Peyton Manning: 34 for 49, 280 yards, 1 TD, 2 INTs
Percy Harvin: 2 rushes, 45 yards
Knowshon Moreno: 5 rushes, 17 yards
Doug Baldwin: 5 catches, 66 yards, 1 TD
Demaryius Thomas: 13 catches, 118 yards, 1 TD
Budweiser's tale of interspecies friendship was already one of the most popular commercials days before it even aired. It even has a parody version!
Teams wearing the white jersey in the Super Bowl have now won 12 out of the last 16 games
— darren rovell (@darrenrovell) February 3, 2014
There are three minutes left and the Seattle Seahawks are up 43-8 so that means it's time for Tarvaris Jackson, backup quarterback and human victory cigar, to appear and run out the clock.
A reminder about Tarvaris Jackson's Super Bowl prep: http://t.co/T8jS5Uyoxo pic.twitter.com/69kqanfNP3
— SB Nation (@sbnation) February 3, 2014
Chris Clemons swipes at Peyton Manning as he throws and forces the fumble. Seattle defense for MVP?
Yeah, sure…
Oops…Sorry for the typos. We were #TweetingWithMittens. Wasn't it supposed to be colder? Enjoy the game! #GoTeamUSA pic.twitter.com/e8GvnTiEGl
— JCPenney (@jcpenney) February 3, 2014


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|Iowa signs 21 to letters of intent
|Written by Admin
|Wednesday, 06 February 2013 13:37
That's a trait that could serve him well this week. The Hawkeyes announced their latest class on Wednesday, a group that recruiting services have rated near the bottom of the Big Ten.
The 21-player class is ranked 52nd nationally by both Rivals.com and Scout.com. Rivals has the class slotted eighth in the 12-school league while Scout ranks it 10th.
Those aren't the kind of numbers likely to entice a fan base that watched Iowa finished last season with six straight losses and a 4-8 record. But coach Kirk Ferentz said he couldn't tell much difference between this year's class and last year's - which was ranked in the top half of the Big Ten.


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Aphids already
Found the little buggers on my tomatos yesterday. I reckon its gonna be a rough season.
Check for ants in your garden beds - chances are, if you've got lots of ants, you'll have aphids. I had a rough time with aphids last year, but this year hasn't been bad at all...just found them one time on my Zinnia seedlings. The difference is that this year I have treated my beds a couple of times for ants, using Green Light Dust, and I had my entire yard treated for ants using a commercial granular product. My battle this Spring has been with White Flies...Lord! what a battle it has been, too. They nearly destroyed my Gardenia, but after several very thorough repeat sprayings with insecticidal soap, I've mostly gotten them under control. (fingers and toes crossed)
Good Luck!
My HUGE problem with aphids this year is on the new Knockout roses I put in earlier! They are simply covered with them in spite of repeated blasts with the hose and even spraying with a plant based insecticide. And Knockouts are supposed to be very aphid resistant. Well...not so far. I'm especially annoyed but not sure if I'm more aggravated by the bugs or the apparently overstated claims for the roses.
I have had aphids on my roses. I just used a little dish detergent in water and squired them off. I have not seen any since. With all the recycling going on I find myself throwing out the soapy dish water on all my plants. Keeps some bugs down.
Ants will very often "farm" aphids on plants. I have watched them do this. Very interestingly the ants will keep the aphid colonys clean and fed (by bringing them nectar), then cart off the fat ones home to the family.
Chapelhillgardener...I'm sure finding that out! (And so far, I'm not really impressed with that deadheading thing.) But before I decided to put them in my garden I was deceived by such as this: http://www.waysidegardens.com/webapp/wcs/stores/servlet/StoreCatalogDisplay?storeId=10151&catalogId=10151&langId=-1&mainPage=gatepage&gate=GPKnockOutRoses&cid=wpp000007
and this:
Actually, there are lots of ads claiming Knockouts are resistant to Japanese beetles; fewer claiming the aphid resistance. But, well...I should be old enough by now not to believe everything I read!
Thanks Chapel Hill Gardner! I'll try it this weekend!
This is an article I found a few weeks ago about soapy water and aphids:
Nasty green "bugs"
Dear Roger: I have 2 roses in a pot on front veranda in direct sun that I planted last year.
I pruned them back three weeks ago and have new early buds showing.
Yesterday I noticed tiny green "bugs" on all the new buds.
I also have a new ÂKnockout rose that I put in the ground to the side of my veranda, also in full sun. This one was in a bag. And on checking, I also saw the tiny green "bugs."
I spayed them with a solution of soap and water and today the "bugs" could be rubbed off.
What could they have been ? Â Betsy, Whiteville
Dear Betsy: The bugs sound like aphids, which are very common on new growth of roses in spring.
Your treatment of these insects was just right. They may return. But another squirt or two of soapy water should do them in. The soap removes the wax that protects them from drying out. They soon dessicate and die.
Hope that helps everyone!


text:
A culture rich in tradition, the fish exported from the Moroccan region comes with a unique flavor and taste. Maroc Export showcased this quality through an onsite chef tasting at the show featuring Chef Vincent Bru from the Moroccan catering company Rahal. Dishes featured aimed to spotlight a new style of Moroccan cuisine which included a traditional Moroccan salad composed of red peppers, tomatoes, spinach and olive oil served with shrimp and swordfish with lentils and Moroccan spices.
The goal of Maroc Export and the intention for organizing this Pavilion was, first, to communicate the opportunities and benefits of Moroccan seafood exports for the U.S. market. These benefits include distinct and exceptional taste, diversity, abundance and availability of fish (Halieutis Plan works on preserving this quality and the abundance to ensure sustainability)
Secondly, Maroc Export looked to draw attention to the strategic location of Morocco and ability to become an important commercial hub towards Europe and Africa for U.S. companies due to its 3 important ports: in the north (Tanger), the center (Agadir), and the south (Laâyoune and Dakhla) of the country.
Since the 2006 free trade agreement was made between the US and Morocco, Maroc Export has worked to promote local fishers through both organized missions and trade shows. Morocco currently exports 68% if its seafood production to Europe and only 2% to the U.S. The launch of the Halieutis Plan for the fishery sector combined with the different transversal governmental plans (Logistics, Pact for Industrial Emergence and Maroc Export Plus) show the national will to improve the dynamism and internationalization of this sector.
In order to maintain these growing efforts, Maroc Export will again, for the 15th time, be present for the 2014 Global Expo in Brussels, Belgium, May 6-8. Exhibiting 50 companies on a large Pavilion, they will focus on reinforcing relations with traditional clients and open new markets in order to diversify opportunities in a key sector that generated 600,000 jobs in Morocco in 2013.
About Maroc Export:
Maroc Export, the Center for Promotion of Moroccan Exports, is a public institution created by Dahir N°1-76-385 dated 25 Hijja 1396 (December 17, 1976). Maroc Export operates with legal competence and financial autonomy under the supervision of the Ministry of Industry, Trade and New Technologies. It was established with the aim of promoting Moroccan exports, in particular exports of processed food products, services and any products which do not fall within the competence of other administrations or bodies by virtue of a legislative or statutory measure.
Linka International
Linka International


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Most cited paper award
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Abstract: We hope that the design of this most cited paper award will ... best minds to release their best work. Papers for this distinction are determined solely based on ...
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Computer-Aided Design 40 (2008) 409–410
Most cited paper award
The Publisher presents the second annual "Most Cited Engineering for his dissertation, he focused on developing
Paper Award" for Computer-Aided Design. Our most cited a three-dimensional shape-based search engine for CAD
paper award offers an alternative to committee-selected "best models. He then joined as Senior Design Engineer at Stryker
papers". The only objective and transparent metric that is highly Endoscopy. He further went on to work as Product Design
correlated with the quality of a paper is the number of citations. Engineer at W.L. Gore and Associates. His nonacademic
We hope that the design of this most cited paper award will interests included traveling, cricket, vegetarianism, music and
ensure fairness and equal opportunity for all authors published also learning German. Natraj died in a car accident on New
in the Journal. It is our hope that this award will stimulate the Year's Eve 2006 while visiting his alma mater. He is survived
best minds to release their best work. by his mother Vatsala Iyer and wife Emily Iyer.
Papers for this distinction are determined solely based on
the highest number of cites, excluding self-citations, received
for all journal articles published between the years 2005–2007
[data culled from SCOPUS reports (www.scopus.com) created
on January 15, 2008]. The winning paper, for the second year
in a row, is "Three-dimensional shape searching: State-of-the-
art review and future trends" by N. Iyer, S. Jayanti, K. Lou, Y.
Kalyanaraman, and K. Ramani, Comput. Aided Des., 37 (2005)
509–530. Iyer et al. was referenced 42 times between the date
of publication and December 31, 2007 when measured by the
above-referenced methodology.
We once again congratulate Drs. Iyer, Jayanti, Lou,
Kalyanaraman, and Ramani for accomplishing this great
Subramaniam Jayanti graduated from Purdue University, West
Lafayette, Indiana, with a Ph.D. in Mechanical Engineering
in August 2006. He is currently working as a computational
mechanics engineer in the application development group
at Third Wave Systems, Minneapolis. His research interests
include product design, CAD interoperability, and design reuse.
Natraj Iyer (1975–2006) was born in Thane, India. He received
his undergraduate degree in Production Engineering from the
University of Bombay, India. He completed his Masters and
Ph.D. in Mechanical Engineering at Purdue University, West
Lafayette, Indiana. During his doctoral study, he was also
a fellow of Innovation Realization Laboratory at Krannert
Graduate School of Management. While working at the Purdue
Research and Education Center for Information Sciences in
0010-4485/$ - see front matter
410 Announcement / Computer-Aided Design 40 (2008) 409–410
Kuiyang Lou is a Research Engineer at the Global Research summer faculty intern at Dow Plastics, Advanced Materials. He
Center of General Electric Company(GE). His research inter- was awarded the Dupont Young Faculty Award, the National
ests include computer aided design and analysis, knowledge- Science Foundation (NSF) Research Initiation Award, the
based process integration and optimization, shape representa- NSF CAREER Award, the Ralph Teetor Educational Award
tion and retrieval, artificial intelligence, and computing and in- from the Society of Automotive Engineers, the Outstanding
formation systems in engineering. He received a BS in Material Young Manufacturing Engineer Award from the Society of
Science and Engineering from Changsha Institute of Technol- Manufacturing Engineers, and the Ruth and Joel Spira Award
ogy, China (1987), and an MS in Materials Science and Engi- for Outstanding Contributions to the Mechanical Engineering
neering from Tianjin University, China (1994). He continued Curriculum. In 2002, he was recognized by Purdue University
his study at Purdue University and earned an MS in Computer through a University Faculty Scholars Award and won the
Science and a Ph.D. in Mechanical Engineering in 2004. NSF Partnership for Innovation Award. In 2005, he won the
Discovery in Mechanical Engineering Award for his work
in shape search. He won the Innovation of the Year Award
(finalist) from the State of Indiana in 2006. He has developed
many successful new courses - including Computer-Aided
Design and Prototyping. He also serves as the chief technology
advisor at Imaginestics, that has launched the world's first on-
line shape-based search engine. His interests are in digital and
computational geometry, shape design and analysis, search and
conceptual design. In 2007, he was the recipient of Purdue's
College of Engineering Wide Faculty Research Excellence
Award. He serves on the editorial board of Elsevier's Journal
of Computer-Aided Design. In 2008 he is a visiting Professor
in Computer Science at Stanford University.
Yagnanarayanan Kalyanaraman is a Doctoral student of
Mechanical Engineering at Purdue University, West Lafayette,
Indiana. His current research work is focused on developing
new 3D shape representations, used mainly for storing and
retrieval of 3D models. He is also working on creating new
tools for handling different tasks while dealing with huge
CAD model repositories. His other areas of interest include
product design and informatics, user interfaces, analysis in
CAD, artificial intelligence and pattern recognition.
Karthik Ramani is a Professor in the School of Mechanical
Engineering at Purdue University and also Professor by
Courtesy in the School of Electrical and Computer Engineering.
He earned his B.Tech. from the Indian Institute of Technology,
Madras, in 1985, an MS from The Ohio State University,
in 1987, and a Ph.D. from Stanford University in 1991, all
in Mechanical Engineering. He has worked as a summer
intern at Delco Products, Advanced Composites, and as a
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Warmer Drawer
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Most Liked Positive Review
So far, so good!
Ordered this range emergently after our old range failed, and did so without a lot of time to review options or read comments from other users. Unfortunately, we're around three years from a...Read complete review
Ordered this range emergently after our old range failed, and did so without a lot of time to review options or read comments from other users. Unfortunately, we're around three years from a kitchen remodel (where I was hoping to get a new 36" cooktop, new double ovens, etc). We wanted to get something for the interim which would work well without costing a lot. This Frigidaire model seemed like a good choice. And so far, it has been. It's a five burner model that replaces an old 4 burner unit. The layout of the burners is quite good. The burner grates abut evenly to provide a uniform platform for the cooktop... you can readily slide a pot-pan to another burner when needed. Burners provide excellent control over the heat. The high intensity burners put out lots of BTUs. The simmer burner provides good control of low level heat. The center burner is an oblong shaped unit that can accommodate large pans or can be fitted with the included griddle (nice bonus!). The griddle works well and gets fairly even heating... have only used the griddle for pancakes so far, but it worked well and cleaned up nicely. We've only used the oven a couple times so far... we're thankful there's an included easy way to adjust expected baking times... this is our first time using an oven with a convection fan. Overall, we're quite pleased. The range provides a wealth of features at a terrific price point. It does what it's supposed to do... help the cook get meals prepared.
Most Liked Negative Review
Knobs and front of oven get very hot
We have owned this oven for a week and have used it frequently due to the TG holiday. We discovered that when cooking at 400 for an hour the knobs for the...Read complete review
We have owned this oven for a week and have used it frequently due to the TG holiday. We discovered that when cooking at 400 for an hour the knobs for the burners are very hot to touch- so much that you need to use a towel to turn them on or off to avoid burns. Also, the area above the door also gets very hot. There is a heat shield that apparently can be added to the product. We are waiting for the installation in the next few days to see if it fixes the problem.hThe oven looks great and functions as I would expect otherwise. However, with small children I am not happy with this oven and the temperature of the knobs/front of oven.
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We love it!
By Ken
from Undisclosed
Comments about Frigidaire Gallery 30" Stainless Gas Range:
Easy to clean and cooks well. Would definitely buy again.
Bottom Line Yes, I would recommend this to a friend
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Great product
By Bill
The only thing I haven't tested is the oven probe, but I love the idea.I'm very pleased with the features on this product like the middle griddle and the full grid on top to have the ability to slide large pots.At this point, I am very happy about the purchase.
Frigidaire range is great.
By AJ
The new gas range is great. I haven't used the convection feature yet, but it has a rack that we removed part of so that the turkey would fit into the oven with the stuffing and the rolls.
Great Range
By rschef
Like the features such as the probe for cooking roast to preset temperature, plenty of power, only down side is keeping the black top looking good, everything shows up on it.
pretty cool range
By Bob
I love this range. Its fast and efficient. The oven is the best part. The probe is killer, the convection makes everything perfect. I cooked a turkey last week and it was amazing!
Great stove
By Bim
So happy with our new stove. Lots of burners. Probe included.The cook top has an even surface which is wonderful to cook on and slide pots and pans around. Would recommend to anyone!
Amazing Gas Oven
By MaxOnline876
I decided to buy this gas oven after ready various positive reviews about it. It looks and cooks great. Most importantly it is Made in the USA.
good buy
By bird
great value and easy use
I like it
By Diane
I like to cook and hear opera.
Nice appliance
By Len
from Elgin, Il
About Me Casual Cook
The sales rep recommended this for us. So far it's been performing well. Nice to have the convection feature, storage in the lower drawer, and a plug in thermometer.
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Globe Skateboards has paired up with two of the funniest characters on television to create this masterpiece of a skateboard. The Globe Butthead Complete Skateboard Cruiser is the perfect board for cruising to the nearest convenient store with your friends. The Globe Butthead Complete Skateboard Cruiser comes complete with 60mm 83a wheels which are perfect for riding fast and gripping the road. The Globe Butthead Complete Skateboard Cruiser Features:
This Globe Butthead Complete Skateboard Cruiser ships factory fresh and ready to skate straight out of the box.
If you are not 100% satisfied with your purchase, you may return it to Warehouse Skateboards within 30 days of your receipt date.
If you're a novice skater and you don't want to build a custom complete skateboard, check out our selection of pre-assembled completes. Warehouse Skateboards offers complete skateboards that are built from the same quality parts offered separately on our site.
This is great for a novice skater who doesn't feel like reading this entire breakdown but wants to choose all the right parts. It's also great for the skate-masters who know precisely what they want, since many of our completes are built from our top selling components.
Decks come in many different widths. If you are a beginner to skateboarding, choose your deck according to the width, not the length or wheelbase. The width you need depends on your size, skating style and personal preference. Here are some general guidelines.
7.5" to 8" - Standard board for adult riders skating streets or doing more technical tricks
8.0" to 8.25" - Skating pools, ramps, and parks
8.25" and larger - Vert, pools, cruising, and just going old school
Check out our massive selection of skateboard decks.
If you still have questions about skateboard decks, please visit our Skateboard Deck Buying Guide.
Looking for your Egift Card Shopping Cart? Click here.


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Watch Us Play Infamous: First Light
Well, Kirk wasn't a fan in his Infamous: First Light review so let's play the opening half hour and see what happens. »
Well, Kirk wasn't a fan in his Infamous: First Light review so let's play the opening half hour and see what happens. » 8/29/14 12:30pm 8/29/14 12:30pm
Hyrule Warriors, the new game that crosses the world of Zelda with that of Dynasty Warriors, is already out in Japan. So join us as we talk a bit about what it is and how it plays. » 8/26/14 6:20am 8/26/14 6:20am
Oreshika: Tainted Bloodlines is a turn-based JRPG with an amazing-looking traditional Japanese art style. But that begs the question, does it play as good as it looks? » 8/12/14 6:00am 8/12/14 6:00am
Luke already wrote a bit about Eidolon, the zombie-less, crafting-free survival game, but I figured I'd give it a try as well. The game is massive and mysterious, a ringing, pristine silence after a disaster. It really is incredible to explore, even if not a lot happens sometimes. Watch my video and see for yourself. » 8/07/14 6:30pm 8/07/14 6:30pm
I did not expect to be playing Resogun in the summer of 2014. I thought I was done with it. I was wrong. The new $5 Resogun Heroes expansion for the PS4 launch game has a great new mode with it, a mode that has taken over my gaming life. Watch the video above for details. » 7/01/14 4:15pm 7/01/14 4:15pm
Indie developers are always on the lookout for people to give them feedback, so it's not uncommon for them to release a public alpha. All the better for you! » 6/27/14 2:30pm 6/27/14 2:30pm
Shovel Knight is out today! And if you saw Jason's excellent review of it, you'll know it's definitely worth your time. But how does it play? What does it look like? » 6/26/14 6:00pm 6/26/14 6:00pm
Have you been wondering what a game filled with cute versions of your favorite Persona 3 and 4 characters plays like? Well wonder no longer. We've got you covered. » 6/17/14 8:00am 6/17/14 8:00am
Games as recruiting tools aren't anything new, but this little free browser game was more entertaining to me than America's Army ever was. » 6/13/14 4:15pm 6/13/14 4:15pm
Among The Sleep, the horror game you play as a toddler, is officially out today on Steam. We've shown you what early levels where you roam your childhood home look like—but that's not the only location you get to play. » 5/29/14 3:30pm 5/29/14 3:30pm
It's the game that just keeps on giving. Cookie Clicker released a beta version of its newest feature, which adds randomly generated dungeons and a tiny hero to venture through them in search of more cookies. » 5/22/14 12:06pm 5/22/14 12:06pm
Were you not convinced of the wonders of time travel by our review? Well let Evan Narcisse take you on an adventure through the internet of the future with Jean Rambois and Dolphin Lundgren. » 5/19/14 7:00pm 5/19/14 7:00pm
Henk is a Dutch male first name. Action Henk is a video game where you run an action figure named Henk through Hot Wheels-style tracks as fast as you can. » 5/09/14 11:31am 5/09/14 11:31am
Daniel Linssen took the theme of the latest Ludum Dare game jam — "Beneath the Surface" — quite literally. In this game, you hit a key to go through the walls and floor, where gravity reverses and launches you back out. » 5/05/14 12:50pm 5/05/14 12:50pm
Last week, I chronicled my adventures in winning the heart of a virtual girl in the Japanese dating sim New Love Plus+. Now, I invite you all to join me as I take her on our first date—and once again prove I am not quite the Don Juan of dating sims. » 4/29/14 8:00am 4/29/14 8:00am
Mushroom 11 is a very different type of post-apocalyptic game. Instead of a human fighting zombies and looking for supplies, you play a green blob. Developer Itay Keren showed me some of the game and talked about the concept of playing a blob. » 4/21/14 5:00pm 4/21/14 5:00pm
The Kotaku crew spent last weekend at PAX East 2014, and we saw a whole bunch of great games. Take a look at some of the best games we saw, along with other great videos from this week on Watchlist. » 4/18/14 8:30pm 4/18/14 8:30pm
Listen, Space Partner, if we don't figure out how to work together, the space bunnies are going to die horrible, lonely deaths. Stop screaming at me and upgrade those shields! » 4/18/14 11:30am 4/18/14 11:30am
Someone recommended that I play "this weird dancing game" at PAX East. I wasn't sure what to expect when I saw people spinning around with an iphone between them, but Bounden is easily one of the most fun games I played all weekend. » 4/17/14 2:00pm 4/17/14 2:00pm
Life Goes On embraces death in a way that most games don't. Sure, lots of platformers embrace death in the sense that they know that landing the perfect jump will first require a lot of trial and error, but few make you intentionally kill yourself to get across from point A to point B. » 4/17/14 11:00am 4/17/14 11:00am


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If you like fairy tales, youreally should know whoAndrew Lang is!
Fairy tales have a unique place in our spectrum of stories. They are almost always about realistic people faced with fantastical situations caused by unreal creatures, such as witches and fairies, giants and dwarves, ogres, elves, gnomes and trolls. Not to mention a few talking animals as well! They open up a world inhabited by humans which is infused with magic.
Fairy tales may have grown out of the more dramatic retellings of folktales. And folktales were dramatic by necessity. Early folk tales were meant for both children and adults, and a storyteller had to weave deep truths into an exciting, entertaining story. As the stories became bigger and stranger, they included elements of fantasy. In some ways fairy tales are the forerunners of modern fantasy fiction, except they don't use an alternative universe a la The Wizard of Oz or The Lord of the Rings .
Many fairy tales have been told over the years and across cultures. Several compilations of fairy tales have been made over the years as well. The Panchatantra , believed to be written in the 3rd century BC, is one of the oldest. Between 1889 and 1910 Andrew Lang and his associates published one of the most comprehensive modern compilations of Western fairy tales in 12 volumes, which are collectively called Andrew Lang's Fairy Books . Lang did not transcribe these stories from the oral versions himself, but he collected his stories from a very wide range of sources, including the Brothers Grimm and The Arabian Nights .
Lang faced much resistance early on from educationists who believed fairy tales to be harmful for young children and of no use to adults. However his books were very successful and he greatly popularised fairy tales in the late 19th century.
Besides fairy tales, Lang has made contributions to many other fields. The Scotsman wrote about religion, mythology, parapsychological phenomena, ancient Greek literature and history, among other things. He was the oldest of eight children and grew up in Selkirk, a town near the English border. A well-respected poet and journalist, the Andrew Lang lectures at the University of St. Andrews, Scotland, are named after him.
The next time you read a fairy tale, remember, Andrew Lang probably edited it somewhere along the way!


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A quick tour of ESA's Patrick Studios, the venue for (in)Xclusion Festival.
(in)Xclusion Festival will be taking place on the 25th/26th of February 2012.
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text: Waterstone Financial Company Profile (NASDAQ:WSBF) Tweet Analyst RatingsEarningsDividendsInsider TradesCompany ProfileSocial ActivityToday's Chart Consensus Ratings for Waterstone Financial (NASDAQ:WSBF) (?) The ratings breakdown includes the most recent rating from each analyst that has rated the stock within the last twelve months. The ratings score is a calculation of the average number of sell, hold, buy and strong buy ratings (0-1.5 = Sell, 1.5-2.5 = Hold, 2.5-3.5 = Buy, >3.5 = Strong Buy). The consensus price target is a mean average of the most recent price target set by each analyst that has set a price target for the stock in the last twelve months.Ratings Breakdown: No ratings tracked in the last 12 months.Consensus Rating:N/A (Score: NaN)Consensus Price Target: N/A Analysts' Ratings History for Waterstone Financial (NASDAQ:WSBF) Show: All Ratings For This Stock Only the Most Recent Rating From Each Brokerage DateFirmActionRatingPrice TargetDetailsShare5/20/2013TheStreetUpgradeHold -> BuyView (Data available from 3/27/2013 forward) Earnings History for Waterstone Financial (NASDAQ:WSBF)No earnings announcements for this company have been tracked by Analyst Ratings Network Dividend History for Waterstone Financial (NASDAQ:WSBF)AnnouncedPeriodAmountYieldEx-Dividend DateRecord DatePayable DateShare3/19/2015quarterly$0.051.54%4/8/20154/10/20155/4/2015 12/23/2014quarterly$0.051.56%1/8/20151/12/20152/2/2015 9/24/2014quarterly$0.051.73%10/8/201410/11/201411/3/2014 6/19/2014quarterly$0.051.73%7/9/20147/11/20148/1/2014 3/18/2014quarterly$0.054/9/20144/11/20145/2/2014 (Data available from 1/1/2013 forward) Insider Trading History for Waterstone Financial (NASDAQ:WSBF)Transaction DateInsider NameTitleBuy/SellNumber of SharesAverage Share PriceTotal TransactionSEC LinkShare12/3/2014Stephen J SchmidtDirectorBuy3,000$12.40$37,200.00View 11/18/2014Kristine A RappeDirectorBuy4,000$12.33$49,320.00View 9/5/2014Allan Robert HosackCFOBuy18,830$11.60$218,428.00View 9/2/2014Allan Robert HosackCFOBuy15,500$11.46$177,630.00View 6/3/2014Kristine A RappeDirectorBuy4,600$10.75$49,450.00View 5/16/2014William F BrussCOOSell4,500$10.59$47,655.00View 5/14/2014Kristine A RappeDirectorBuy4,718$10.58$49,916.44View 5/12/2014Ellen Syburg BartelDirectorBuy5,000$10.68$53,400.00View 5/6/2014Rebecca M ArndtVPSell7,500$10.60$79,500.00View 12/14/2012Eric J EgenhoeferInsiderBuy10,600$6.75$71,550.00View 11/19/2012Eric J EgenhoeferInsiderBuy2,100$5.25$11,025.00View 11/2/2012Eric J EgenhoeferInsiderBuy5,000$5.25$26,250.00View (Data available from 1/1/2013 forward) About Waterstone Financial Waterstone Financial, Inc. (Waterstone Financial) and its subsidiaries, including WaterStone Bank, is engaged in attracting deposits from the general public in the areas surrounding its eight banking offices and nine automated teller machines (ATM), including stand-alone ATM facilities, located in Milwaukee, Washington and Waukesha counties, Wisconsin. The Company invests those deposits, together with funds generated from operations, primarily in residential real estate mortgage loans. As of December 31, 2011, residential real estate mortgage loans comprised 88.5% of its total loans receivable. The residential real estate mortgage loan portfolio was comprised of first mortgage loans secured by one-to four-family residences (39.7%), and over four-family residences (44.0%). The residential real estate mortgage loans consisted of home equity loans and lines of credit (4.8%) secured by a junior position on one-to four-family residences. Headlines: (3/18) Waterstone Financial Declares Regular Quarterly Cash Dividend (3/18) Waterstone Financial : Declares Regular Quarterly Cash Dividend (3/18) Waterstone Financial Declares Regular Quarterly Cash Dividend (3/17) Key Executives - waterstone financial inc (WSBF) (3/6) Waterstone posts 4Q profit (12/4) Waterstone Financial Director Stephen J. Schmidt Buys 3,000 Shares (WSBF) (12/7) Waterstone Financial Director Stephen J. Schmidt Acquires 3,000 Shares (WSBF) Industry, Sector and Symbol: Sector: Financials Industry: Thrifts & Mortgage Finance Sub-Industry: Thrifts & Mortgage Finance Exchange: NASDAQ Symbol: WSBF CUSIP: 94188810 Key Metrics: Previous Close: $12.8450 Day Moving Average: $12.90200 Day Moving Average: $12.47P/E Ratio: 33.79P/E Growth: 0.00Market Cap: $416.23MCurrent Quarter EPS Consensus Estimate: $N/A EPS Additional Links: View WSBF on Google FinanceView WSBF on Yahoo FinanceView WSBF's Company Profile on ReutersSearch for Waterstone Financial, Inc. on Google Waterstone Financial (NASDAQ:WSBF) Chart for Friday, March, 27, 2015 (Chart Provided by Yahoo Finance)