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|Feb 28, 2013, 10:09 PM
Joined Feb 2013
16 Posts
Thanks for the answer Phoam. I have the HZ Champ and am looking to upgrade to a 4 channel. Would you suggest the T-28 or the UM T-28 as my flying area isn't that big (acerage). Does the UM have the same wind characteristics as the larger ( other than weight obviously)? Is there a plane like the milenium master but smaller?
|Feb 28, 2013, 10:48 PM
Personally I would stay away from the T-28 with wind unless you upgrade the motor. Out of the box they are a bit under powered to fight a heavy breeze and possibly get you out of trouble at the same time.
If you are not opposed to building, I would suggest a Mojo 25 or any small profile. I run one with a park 480 and it is a blast to fly, but also handles up to 10-15 mph winds no problem. Just an opinion though.
|Feb 28, 2013, 11:09 PM
Clarkston, MI
Joined Apr 2005
102 Posts
My formosa with a brushless outrunner and 2100 mah battery used to handle a 15mph wind no problem. Use a large battery for extra weight and keep the speed up.
|Mar 01, 2013, 06:14 AM
Joined Sep 2010
4,133 Posts
|Mar 01, 2013, 10:20 AM
Yeah, the UM doesn't like much wind but can definitely be flown in smaller areas better than the full size. No, I haven't seen anything like the Millennium in a smaller scale.
|Mar 01, 2013, 11:22 AM
Albatross by Crash Test Hobby. Handles the wind, made out of EPP so it handles rough landings, pod mount for motor so the props doesn't get busted, can be used for learning FPV or fliming from the nose, good flight times with a 2,200 mAh battery. Hard to find something bad.
|Mar 02, 2013, 01:12 PM
Joined Feb 2013
16 Posts
So I looked at Crash Test Hobbies website and I like the albatross. Would the smaller Pelican (34" vs 46") work well in the wind? I have a smaller flying area so I'm thinking the albatross may be too big. Can you buy them somewhere already build?
|Mar 02, 2013, 08:49 PM
|Mar 02, 2013, 09:12 PM
My Mini Ultra Stick flies very well in the wind. I beefed up the landing gear area (CA and light ply) and use nylon bolts to secure the gear. Hard landings are no problem.
|Mar 02, 2013, 10:12 PM
It is also much easier to learn in a steady breeze that a gusty day. Just enjoy the experience.
The best plane might be the cheapest plan you have that has spares readily available that don't cost much that you are comfortable flying and not attached to.
|Mar 03, 2013, 01:29 AM
Fort Worth, TX
Joined Jan 2010
727 Posts
I'll get run out of town by a crowd with pitchforks and sticks o' fire for saying this (so sue me), but...
2lb. 'cheap' foamies fly just fine in 'near-gale' winds with a 3-axis gyro!
Turn the gain up, or down, on each axis independently for the amount of 'authority' you need. I've got one of the Hobby King Orange 3-axis ones in my Parkzone Icon A5, presently - but I only use it 15% of the time, and switch it off at my Tx when not needed (I use the 'gear' switch on my DX6i).
There are several around - between $12-30 or so, if you research.
It's no substitute for "good technique," in any event - but a real help in pretty strong wind!
|Mar 03, 2013, 01:59 AM
Livermore, CA
Joined Sep 2004
8,583 Posts
A lot of planes will fly good in the wind if you can.
It helps if the plane is set-up for the wind.
Here's a post from my Boomer Thread.
The first plane is a 6oz Boomer on a 2 cell batt, flying in 15mph winds gusting.
The second vid is a simple PC-9 parkflyer, set-up lite, 10.5ozs and modded for the wind, flying in winds gusting to 20mph.
|Mar 04, 2013, 02:42 AM
United States, TN, Crossville
Joined Jan 2012
392 Posts
My SUPERFLY delta does a great job in windy conditions.
|Mar 04, 2013, 03:12 AM
New Zealand, Auckland
Joined Dec 2008
641 Posts
I have a T28, AXN & a EPP profile plane.(& some others)
I dont want a wing either & are still looking for the best windy day plane.
The T28 struggles flying into the wind, but it is the best plane overall, not the best in wind.
The AXN is fun in the wind, the Bixler's & Muliplex's at the local park are just as good in the wind, if not better.
The AXN will survive REALLY hard crashes with minor damage. Thats a big plus +++. These type of planes have the motor in mid mounted, so a nose first crash is no big issue. Thats another big PLUS if you are learning. The Bixler may be the easier plane to fly
My Profile EPP plane is light weight, but is surprisingly unaffected by the wind.
I was very surprised flying this plane this weekend in wind, hardly seemed affected all all, launch was a bit scary though.
Epp does not like being crashed, it tears quite easily & the area around the motor mount will turn to mush after a few crashes.
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Grout and angled wall for mosaic tile?
I'm not going to install my backsplash myself. It is a mini brick mosaic of glass, marble, and mother of pearl.
I would like to think I can just trust the installer to choose the best materials and use them correctly. But even if John Bridge (assuming he was/is a real person with tile expertise) were my installer I'd have to double check his choices with GW, so I might as well know the right answers in advance.
Naturally I want grout that will in no way look or perform like porous, stainable, rough textured grout. And I can't quite imagine what should be done about the angle in the wall, which is about 135 degrees. I guess these tiny bricks have to be cut to form a smooth line on each side - and at the ends of the runs, as well?
Is the grout brand an easy decision, with a clear answer (like lower drawers vs doors) or something more complicated?
I have about 40 square feet, so if there is a grout made from hand harvested snail mucus that resists grape smudges for 17.6 seconds longer than "standard" grout, I'll go through the required spiritual cleansing rituals to gain admittance to the upscale tile store that has an exclusive contract with the noble eighth generation snail trackers. If there is a sealer, or pre-grout release product that has to be applied by the light of moon and with organic fair trade handspun cotton swabs, I'll clear my calendar. I'll even come up with a new way to trick my friends and family into choosing between four different shades of white (grey white! not tan white, not pink white, not yellow white) and then disregard their unanimous recommendation as I search for the right shade of 41.5% tinted gray (white grey! not muddy grey, greenish grey, or taupey grey). But I'd be so grateful if someone could give me a little nudge in the right direction by telling me what brand of grout (and other products) I need.
Love, love, love the tile. DId I say I love the tile:) Thanks for sharing since I hope to plan my small master bath around it. Please read my thread http://ths.gardenweb.com/forums/load/kitchbath/msg0917433816489.html
I did lots of research and will be sealing the grout with StoneTech Bulletproof Sealer I picked up on Amazon. When can we look forward to seeing this masterpiece?
Mapei and Laticrete are the two major brands. I would ask which he is planning to use. I think both are supposed to be excellent, but in my limited area, Mapei was my only choice and my installer was familiar with that brand. I am not keen on big box products, but Lowes does sell a limited amount of Mapei.
Glasstilestore does have installation instructions recommending white modified thinset and non-sanded grout. You don't want to scratch that beautiful glass and shell!
I didn't apply the sealer before because of the glass. I don't think any of the elements of your tile are porous, but you can ask many of these question on the John Bridge forum. They might even suggest a grout color/brand since they do this all the time. They are incredibly helpful!
I called tech support at StoneTech and they told me how to apply the sealer. Just be sure that your installer is familiar with glass!
The best way to get a great tile job is to get a great installer. I would worry less about the grout and more about finding the right installer.
I have a theory that tile people are a bit like pastry chefs, meaning that they are artists. Those folks require respect, I've learned, to get the best out of them. They will supply the grout, suggest the right type, make sure the angle is perfect and listen to all your concerns and be sure they are addressed.
Helping them do their job before even giving them a chance doesn't engender a feeling of trust.
After the job is done sealer can be applied to the grout (it wipes off the tile). With mosaic the lines are so small it's hardly an issue. Even if you have a turmeric soup explosion on your counter, the backsplash should wipe clean. If not, there's Oyxclean.
This post was edited by rococogurl on Tue, Sep 24, 13 at 10:07
I agree that your tile installation will only be as good as the installer. I had the best in my area and had to wait for an appointment. He was not at all insulted by my questions. I believe a professional is confident in their abilities and not afraid of a couple of questions like what are you using for thinset and grout? If you go to the John Bridges forum, the experts will disagree at times. I averted a disaster by being informed ahead of time and wanted to pass on this advice.
I do agree-bottom line--get a great installer!
We have walls that are angled also. Are you redoing your floors too or have you already redone them? Can you tell me about your floors, I am just wondering how you handled the angled walls with your flooring. Our tile installer had a very very difficult time because of the angles. I agree get a great installer. And the tile for your backsplash looks very nice.
Thanks, all. One downside to using a GC shop is that I can't choose my installer, it will be one of his employees and "they are all good". IME, the more I know in advance, the better. I don't disagree with you in general, Rococogurl, but in this situation I need to verify, then trust.
Robinle, my 5" plank engineered wood floors run diagonal, which involves slightly more labor and waste but really works for the flow of my house.
Kks I would say you need to know what questions to ask before they start. One thing I would ask if you're supplying the tile, is how they will handle that angle, is the tile sturdy enough to miter without cracking? Is there enough extra to cover that? How do they select grout and who does that? Does the installer have mosaic experience with this particular material?
Have you called the tile source and discussed the angle installation in advance? Is there a piece of tile in the range that could be ordered on a worst-case basis? In case they can't mitre or it will be off.
Sure all the contractor's guys are "good." You'd maim him if he sent you someone 'bad.' That's not the question.
Let him know you have expensive material and you are prepared to be a PITA. I tell them I'm calling to nudge them. That I'm fussy. If I can get them laughing about how particular I am I find it can go a long way towards getting what I want.
I'd honestly be more concerned with how the angle is handled than grout. With multi-material mosaics each one can cut differently as each material is different.
They should be able to get an angle but it's never the easiest thing because the tiles have to meet & match perfectly. I would expect that would mean 1/2 tile on each half of the corner -- so it looks like a single tile. I'd surely ask in advance at Bridge. Making that come out exactly is no easy thing. They might want to start there and work towards the corners where a different cut might be less noticeable as it's adjacent to molding or dying into the wall.
I learned this because I had a 4 color tile design on my splash and it was handmade tile and not even in size. It also had to turn a corner.
It might possibly be the setter wants to put a vertical line of pencil pieces over the corner and tile up to it. That slightly blunts the edge. They could use pencil pieces from the range (if they exist). Or, they could do a line of single mosaics of one material cut off the mesh (not as nice but acceptable if done well). Only way to know how it will cut is if someone had worked with that exact mosaic before.
But I wouldn't want to have the setter come to that realization with wet thinset on the wall IYKWIM. Or think a crappy looking or uneven joint there will be ok when it certainly won't because it wasn't discussed and they started at the back.
If someone tells you bullnose should go there, tell them you think it's too "bathroomy" and what else can you do?
Might be a good idea to loop in the contractor in advance. He likely isn't focused on any of these issues. I'd ask if he could look at the time and the angle and tell you how it will look and if any special tile pieces might be needed.
Thank you, Rococogurl. For a little while there I hoped this would magically be easy and I wouldn't have to learn or do much to get awesome results...go ahead and laugh at me, it was an absurd thought!
Anything that can go wrong, will. It isn't the normal way of my life, but it is the way of the kitchen remodel so far.
I don't think there are any special pieces available, but I'll do more research tomorrow by calling the glasstilestore. Starting from the angle and working out to the sides makes a lot of sense, as does being prepared for any absurd suggestions like bullnose.
I really appreciate the help, learning the right questions is the hardest part of getting good answers.
I found the store reluctant to give too much information other than what was indicated on the site. As one young man there explained, he has seen tile installations in their store, but they don't install it.
I think your best bet is to post on John Bridges forum/advice. Post a photo of your tile and angled wall, and state your concerns. Their experts are so generous with their time and so very patient with questions.
I used AS basics, ceramic custom color, in a kitchen. They have tons of specialty pieces. I had drawn the 2x4" subway 'splash to scale and discussed the tile-in window over the sink with the tile contractor.
Based on his calculations of the windows and what he spec'd I ordered a ton of bullnose. Then he called and started screaming at me that the pieces were wrong. They weren't. He was. It should not have been bullnose and I didn't need anywhere near the quantity. I now use some of the pieces as paperweights.
The marble was gorgeous and he gave me marble window sills. He was a nightmare and I learned never to take corners and angles for granted.
It will come out well -- you will see. You're way out in front of it and can have the conversation ahead.
Thanks for the backstory on the bullnose paperweights, Rococogurl.
Annalyn, I'll definitely visit John Bridge in the next few days.
Holly-kay, thanks! I'm glad it gave you a smile. I've decided that for my own mental health I have to work a little harder to find the humor. I don't see how this job is ever going to get finished, so I might as well enjoy my new life as a person who is having a kitchen remodeled instead of waiting to be someone who has a remodeled kitchen. I felt like this when one of my pregnancies went way, WAY past due (more than 5000 minutes) - I eventually gave up and accepted that I'd be pregnant "forever". "Forever" only lasted a few thousand more minutes, but they were easier ones.
We wrapped a window and a wall in similar (maybe the same?!) tile. I would make sure your GC knows that's it is imperative that you have an installer who has done your type of work in the past. A great installer should be able to educate ou on the products needed; if they just say "whatever you want ma'am" I'd move on to the next contractor.
Too beautiful and too funny!
I think the snail grown grout will do fine but only if the moon is a quarter full and is waxing not waning.
Love the combination of materials in your bs. My mother of pearl bs makes me happy. It looks different every time the light changes. Some pieces truly sparkle.
I hope you love yours too.
Good luck!
Thank you all. Having a place to vent and crack up is a great help. I'll be out of town more than I'm home this month, so the snail's pace at which my kitchen is being finished will slow considerably. It is fine, we'll soon be into fall weather and can cook outside.
I did look to a specialty forum for detailed advice, but when I tried to post this message with the link to it I got a pop up screen asking me not to mention it! I really appreciate the encouragement to find experts there, however, and will be taking their advice. Thank you.


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File -- Bloodstains seen on the street and damage buildings following a suicide bomb explosion at a World cup viewing center in Damaturu, Nigeria June 18, 2014. (AP Photo/Adamu Adamu)
KANO, Nigeria: At least eight people were killed and 20 wounded by an explosion at a college campus in the heart of the northern Nigerian city of Kano during school hours on Monday, police said.
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Crowd kills girl suspected to be a suicide bomber in Nigeria
Blast rips through bus in northeast Nigeria: witnesses
More than 160 Boko Haram sympathisers held in Niger: police
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Crowd kills girl suspected to be a suicide bomber in Nigeria
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A blast ripped through a bus in Potiskum, northeast Nigeria, witnesses say, in the latest explosion to hit the...
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Nigeria's military claims it has destroyed the headquarters of Boko Haram in Gwoza, a town in northeast Nigeria
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A Journey Down the Ganges River
By Julian Crandall Hollick
(Island Press, Hardcover, 9781597263863, 296pp.)
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Combining travelogue, science, and history, Ganga is an extraordinary journey through northern India: from the river's source high in the Himalayas, past great cities and poor villages, to lush Saggar Island, where the river finally meets the sea. Along the way Julian Crandall Hollick encounters priests and pilgrims, dacoits and dolphins, the fishermen who subsist on the river, and the villagers whose lives have been destroyed by her. He finds that popular devotion to Ganga is stronger and blinder than ever, and it is putting her—and her people—in great risk.
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Girls With Tattoos
MTV's Tattooed Sledneck: ToscaNovember 11 2014
As we become more and more of a global society MTV keeps finding bombastic regional communities (see: Jersey Shore, Party Down South) that allow us to see how the other half hangs. Sure, the antics on these shows are outlandish,… [ read more ]
Leah Jung Washes Off Body PaintNovember 11 2014
Inked Girl Leah Jung does a lot of cool things with the art world. Apart from getting tattooed by some of the best artists around the world, she also seems to like body paint. After having a pair of ripped "denim"… [ read more ]
More Tattooed Bits and PiecesOctober 8 2014
When creating lists we often focus on specific types of tattoos or body parts. From time to time that can seem like a bit of overkill, we crave variety! In order to satiate that need we like to round up… [ read more ]
Tattooed Model Cara MiaSeptember 30 2014
You may remember tattooed model Cara Mia from the cover of our Pinup issue. We adore Cara's curves and ink and couldn't wait to share some more photos of her with you. If you want to check out what Cara… [ read more ]
Tattooed Model Makani TerrorSeptember 29 2014
Germany's Makani Terror is one of the most beautiful tattooed models on the entire planet. She has graced the pages of Inked Girls on multiple occasions but we just keep craving more, so we put together this list of some… [ read more ]
The Sexiest Inked Girls in PortlandSeptember 26 2014
Gallery follows the text. For years you readers have been telling us that we should visit Portland, that no other town compares in love of ink and chill vibe. Well, we couldn't ignore the call from the Pacific Northwest and… [ read more ]
Tattooed Model MadzillaSeptember 16 2014
The beautiful Madzilla has appeared in Inked Girls multiple times, but that didn't seem like any reason not to create a gallery of some of our favorite pictures of her. The gorgeous model has plenty of curves that drive us… [ read more ]


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Home > News > World
Monday March 17, 2014 MYT 6:02:47 AM
Monday March 17, 2014 MYT 6:02:47 AM
by stephen kalin
BEIRUT (Reuters) - At least three people were killed when a suicide car bomber struck a Hezbollah stronghold in Lebanon's Bekaa Valley on Sunday in an apparent response to the fall of a rebel-held town to government forces across the border in Syria.
A security source said two of the dead from the blast in Nabi Osmane were members of the Lebanese Shi'ite Muslim militant group Hezbollah whose fighters backed the Syrian army earlier in the day in their takeover of Yabroud.
Hezbollah has been the target of repeated car bombings and rocket fire inside Lebanon during the past year over its involvement in Syria's civil war. It is backing President Bashar al-Assad, whose minority Alawite sect is an offshoot of Shi'ite Islam, against a Sunni Muslim-led insurgency.
Many in Lebanon accuse Hezbollah of dragging the country into the Syrian conflict, and radical Sunni groups have pledged to keep attacking it in Lebanon - even in purely civilian areas - until it withdraws from Syria.
Two radical Islamist groups with suspected ties to Sunni al Qaeda militants in Syria quickly claimed responsibility for the Nabi Osmane bombing in separate statements posted on Twitter.
The Nusra Front in Lebanon, linked to al Qaeda's official affiliate in Syria, called the attack "a quick response to the bragging and boasting of the party of Iran over their raping of Yabroud" and pledged to "silence their tongues".
The comments were a clear reference to the Iranian-backed Hezbollah, whose supporters in Lebanon celebrated the fall of Yabroud earlier in the day by shooting into the air, setting off firecrackers and riding through the streets of south Beirut on motorcycles.
Another Sunni Muslim group with suspected links to al Qaeda called Liwa Ahrar al-Sunna in Baalbek also claimed the bombing, which it named "revenge for Yabroud." It warned Hezbollah and the Lebanese army to "prepare for the battle of Yabroud inside Lebanon".
About two thousand rebels fled Yabroud earlier in the day as Syrian forces took full control of the town. Many of them withdrew to nearby Syrian villages but others are thought to have crossed into Lebanon. The Lebanese army stopped several vehicles full of militants attempting to cross the border.
Hezbollah-operated Al Manar television broadcast images from the site of the blast at a petrol station in Nabi Osmane showing the twisted metal of a burnt-out car.
What appeared to be the structure of a petrol station and an adjacent building were heavily damaged. Civilians, soldiers and emergency response workers were on the scene.
The Lebanese security source said the bomber detonated his explosives after the two Hezbollah members began to approach him. Ten other people were also wounded.
One person was killed in the same town on Saturday after several rockets were fired from near Arsal, a Leabense border town about 10 km (6 miles) to the southeast which anti-Assad rebels have used regularly to cross into Syria.
(Editing by Mark Heinrich)
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Brookings tops Marlin girls in state opener
WATERTOWN — Hallie Theodosopoulos scored nine goals to help the Brookings Rangers beat the Mitchell Marlins girls' varsity hockey team 12-2 in the quarterfinals of the state tournament at the Maas Arena in Watertown Friday.
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Someone will probably have to port over the 5120 or 5100 firmware in order to try it since it doesn't' have the phone software installed. Give it some time.
Does anyone know for sure??? if you can or cannot use the note 8 lte as a phone like the overseas version? So far no joy. Is it hardware or can we load some kind of app to make it work like the note 2?
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capital one health care finance
Has anyone had anything to do with this plan as far as dentistry? I guess you find out how much money you're looking to spend on your teeth and then you can spread it over up to 5 years. Is this a real health plan or some kind of scam?
I would certainly want to pay attention to the fine print.
This is copied from their site.
We offer installment loans with low, fixed rates from 1.99% APR to 23.99% APR*, or interest-free loans** for 3, 6, 12, or 18 months to qualified applicants. Either way, you'll be able to find an option designed to fit within your budget.
I do see though that they have a payment calculator with payments up to 60 months.
seems a good bit like so many credit card plans...rate is determined by your credit score...as low as 1.9* (whatever * means...lol)...maybe after a 'fee' is paid for the great 1.9% rate...or maybe 1.9% for a partial term of the loan.
Prepayment penalties?
The rate would likely go up for any number of reasons...like one late payment anywhere that gets reported to the crdit bureau.
Buyer beware is my thought on them.
Here is a link that might be useful: Capital One Healthcare Finance


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The Marine Department appealed yesterday for ship operators to look at increasing the number of lifejackets for children following last week's fatal ferry crash off Lamma in which 39 people died, including eight under 12 years old.Friday, 12 October, 2012, 2:54pm
Watching the world go by from the waterfront in Stanley last week, our eye was caught by a sign in the back window of a Mercedes Benz: 'Princess on Board'. Thanks for sharing, we thought, before pondering whether her little highness would be wearing a seatbelt.24 Jun 2012 - 12:00am
There are fung shui factors that may explain your company's losses, in addition to reasons attributed to the state of the economy.14 Aug 2010 - 12:00am
Six people were killed and nine injured on an amusement park ride in Shenzhen last week.
They were riding on Space Journey, a spacecraft simulation ride, at the Evoventure Valley amusement part in the OCT East complex. The accident happened when the 11 cabins holding four passengers each were about to land.5 Jul 2010 - 12:00am
At my home in Pok Fu Lam there is a steady stream of school minibuses, four times a day. Many are fitted with child seat belts but I am lucky if I see one child in each bus using them. Why should they? What example is given to them? My home is served by a green minibus route and a number of them are also fitted with passenger seat belts.2 Feb 2010 - 12:00am
A woman was injured by debris from a fire extinguisher that exploded as she was being taught how to use it at a retraining centre in Tuen Mun yesterday.8 Nov 2009 - 12:00am
A minivan driver was thrown out of his cab and killed yesterday in Sha Tin when he lost control and crashed into the kerb, apparently with his seat belt unfastened.4 Jan 2009 - 12:00am
More than 260 summonses and verbal warnings were issued to public light-bus passengers found not wearing seat belts during a special 24-hour police operation that ended yesterday morning.
Police said the operation was part of ongoing efforts to encourage drivers and passengers to protect themselves from injury.17 Jul 2008 - 12:00am
Each week our two teenagers debate a hot topic. This week ...
Dennis Wu, 17, St Joseph's College4 Jun 2008 - 12:00am
Passengers should not be allowed to sit in the front seats on the top deck of double-decker buses that are too old to be fitted with seat belts, a political party said yesterday.
It made the suggestion in response to a survey that found eight out of 10 bus passengers would be happy to buckle up if seat belts were provided on public buses.20 Jan 2008 - 12:00am
A worker fell to his death from scaffolding outside the seventh-floor unit of a residential block in Sha Tin while renewing window frames yesterday - the second fatal industrial accident in the city in two days.
The Labour Department is investigating whether So Wing-kei, 61, was using safety harnesses when he fell.6 Dec 2007 - 12:00am


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Woman in her 20s died in blaze on Kenilworth Avenue North Wednesday
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If you're a serious athlete, you don't let winter hold you back. You still run — whether it's on concrete or on a carpeted indoor track. You still pedal, even if it's just on a spin bike at the gym. You stay consistent with your workouts, building strength and endurance until competition time comes around again.
But there's one important thing you must add when the weather turns cold — and if you don't do it, you can double the stress you put on your joints. They will wear out much faster. Instead of being in your athletic prime, you'll be in pain. You may even need surgery to fix a problem that you can actually prevent with one simple exercise: warming up your joints in cold weather before you get physical with them.
A joint is where two bones meet. The soft tissue, bone cartilage and ligaments that make up a joint can usually stand up to the heavy wear and tear of an active lifestyle, but only if they move without much friction. Just like a car engine, the best way to prevent friction in the human body is with sufficient lubrication. Of course, human joints don't use petroleum oil. Our lubrication is synovial fluid, a thick substance with the consistency of egg white. Most of the joints in the human body are synovial joints; which is to say that under optimum conditions, bones with moving joints — like the knee, elbow, fingers, toes, ankle, neck and so on — don't rub together. Synovial fluid provides a slippery surface for the bone ends, so that they don't rub together and the cartilage doesn't wear away.
When we're young, synovial fluid is produced in copious amounts. But as we get older, the body gets more conservative. Joints have to be stimulated to produce lubrication. The stimulation is, of course, movement. That's why you may feel a bit of stiffness in your knees or hips when you first begin a treadmill workout. After a short period of movement, the stiffness goes away because the joint is now warmed, and synovial fluid has begun flowing.
The big problem in winter is that many active people — you may be one of them — move less. In addition, we're exposed to cold temperatures, even if it's just getting out of the car to walk into the gym. The joints stiffen. They become a lot less flexible.
As an athlete, you already know how important it is to warm up before starting any strenuous activity. You know that warm muscles move faster and are capable of a lot more force. But the benefits of warming up your joints get a lot less publicity, even though it may be even more important to get joints well lubricated before putting them under stress. If you go from the cold outdoors onto an indoor basketball court and start forcefully throwing without warming up your shoulders, those bone surfaces are going to rub on each other. Stiff ligaments will pull, causing microscopic tissue tears that have a lasting limitation on flexibility. Why lower your athletic longevity when it's so easy to make it last longer?
Since movement is what stimulates the production of synovial lubrication, plan on spending at least 10 minutes warming up by gently moving every joint in your body. Wiggle your fingers and toes, turn your wrists and ankles, crouch into a squat, bend and flex your arms, move your shoulders and rotate your core to warm your spine. Since everyone is different, you may have certain body areas that take more time to warm up, especially in places where you've previously been injured.
But if you take the time to warm your joints in winter, you'll stimulate even more production of this vital fluid, and you'll be able to stay active, with fewer joint problems, for your whole life.
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A Rapid City dog is defying his couch-lounging ways to become a celebrated competitor in dog show circles.
Deb Davenport owns the Spinone Italiano pup Partito, whose name means "party" in Italian. Partito advanced to the final eight of his group at the annual Eukanuba National Championship dog show last month, to be televised Feb. 2. It's the furthest a dog of the relatively new breed has progressed in such a large show.
Davenport describes her pooch as an "everyday dog" that sleeps on the couch, barks at postal workers and chases squirrels. Partito likes to hunt, too.
Partito won best-in-breed, letting him compete with others in the sporting group. A wire fox terrier from California won top honors as Best In Show.
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This Catalyst plugin enables you to configure your Catalyst application with an external JSON file instead of somewhere in your application code. This is useful for example if you want to quickly change the configuration for different deployment envi...SAMV/Catalyst-Plugin-Config-JSON-0.03 - 24 Nov 2005 22:47:51 GMT - Search in distribution
Catalyst is a modern framework for making web applications without the pain usually associated with this process. This document is a reference to the main Catalyst application. If you are a new user, we suggest you start with Catalyst::Manual::Tutori...JJNAPIORK/Catalyst-Runtime-5.90085 (18 reviews) - 25 Mar 2015 18:58:11 GMT - Search in distribution
- Catalyst::UTF8 - All About UTF8 and Catalyst Encoding
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"Config::ZOMG" is a fork of Config::JFDI. It removes a couple of unusual features and passes the same tests three times faster than Config::JFDI. "Config::ZOMG" is an implementation of Catalyst::Plugin::ConfigLoader that exists outside of Catalyst. "...FREW/Config-ZOMG-1.000000 - 22 Aug 2013 22:55:55 GMT - Search in distribution
Config::JFDI is an implementation of Catalyst::Plugin::ConfigLoader that exists outside of Catalyst. Essentially, Config::JFDI will scan a directory for files matching a certain name. If such a file is found which also matches an extension that Confi...ROKR/Config-JFDI-0.065 (1 review) - 01 Jan 2011 22:12:16 GMT - Search in distribution
Config::Any provides a facility for Perl applications and libraries to load configuration data from multiple different file formats. It supports XML, YAML, JSON, Apache-style configuration, Windows INI files, and even Perl code. The rationale for thi...BRICAS/Config-Any-0.24 - 10 Sep 2013 18:45:32 GMT - Search in distribution
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This module embodies a web application for Creating, Retrieving, Updating and Deleting records in relational databases (hence the 'CRUD' acronym). The '"Auto"' part of the name is because the application automatically generates and immediately uses t...DAMI/App-AutoCRUD-0.10 - 23 Mar 2015 10:18:57 GMT - Search in distribution
This is the Catalyst view class for the Template Toolkit. Your application should defined a view class which is a subclass of this module. Throughout this manual it will be assumed that your application is named MyApp and you are creating a TT view n...JJNAPIORK/Catalyst-View-TT-0.42 (1 review) - 29 Dec 2014 19:58:09 GMT - Search in distribution
Catalyst::View::JSON is a Catalyst View handler that returns stash data in JSON format. CONFIG VARIABLES allow_callback Flag to allow callbacks by adding "callback=function". Defaults to 0 (doesn't allow callbacks). See "CALLBACKS" for details. callb...JJNAPIORK/Catalyst-View-JSON-0.35 (1 review) - 07 Jan 2015 16:25:54 GMT - Search in distribution
MojoX::Plugin::PHP establishes a PHP engine as the default handler for "php" files and templates in a Mojolicious application. This allows you to put a PHP template (say, called "foo/bar.php" under your Mojolicious application's "/templates" or "/pub...MOB/MojoX-Plugin-PHP-0.03 - 11 May 2014 05:59:15 GMT - Search in distribution
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This section lists the some of the components (and plugins) that are available to extend the runtime functionality of Catalyst. Most components are not distributed with Catalyst but should be available from CPAN. They typically require additional mod...ETHER/Catalyst-Manual-5.9009 (3 reviews) - 13 Dec 2014 18:22:20 GMT - Search in distribution
- Catalyst::Manual::Tutorial::02_CatalystBasics - Catalyst Tutorial - Chapter 2: Catalyst Application Development Basics
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This plugin provides a means of setting data that can then be queried by a client in a different request. This is useful for making things such as progress meters and statistics amongst other things. This plugin provides an API for storing data, and ...BOBTFISH/Catalyst-Plugin-Snippets-0.03 - 05 May 2012 13:36:41 GMT - Search in distribution
Catalyst::Controller::REST implements a mechanism for building RESTful services in Catalyst. It does this by extending the normal Catalyst dispatch mechanism to allow for different subroutines to be called based on the HTTP Method requested, while al...FREW/Catalyst-Action-REST-1.19 - 06 Feb 2015 15:40:56 GMT - Search in distribution
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This module contains an application which will automatically construct a web interface for a database on the fly. The web interface supports Create, Retrieve, Update, Delete and Search operations. The interface is not written to static files on your ...OLIVER/Catalyst-Plugin-AutoCRUD-2.200002 (1 review) - 14 Feb 2015 10:26:37 GMT - Search in distribution
RapidApp "Modules" are special object classes, specific to RapidApp, that encapsulate a fully working interface, usually with an embedded ExtJS panel/component front-side view, which is designed to render via Ajax within other rendered Modules (such ...VANSTYN/RapidApp-1.0204 (2 reviews) - 27 Mar 2015 22:55:03 GMT - Search in distribution
This module sets up a basic Plack application to use RDF::LinkedData to serve Linked Data, while making sure it does follow best practices for doing so. See the README for quick start, the gory details are here. MAKE IT RUN Quick setup for a demo One...KJETILK/RDF-LinkedData-0.74 - 04 Mar 2015 15:45:33 GMT - Search in distribution
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Published: February 17, 2015
Tarzan's Treehouse
Walk-Through Exhibit
Published: February 17, 2015
A revamped version of the old Swiss Family Treehouse, with a new entrance and Tarzan paraphenalia.Tweet
Tarzan is a good walk-through attraction, though it may seem lackluster, especially when compared to nearby attractions. On busy days, the pathway can easily become a bottleneck of people, though at least it is a single pathway and not a mess of paths.
Meh. I would love to have this massive tree house in my backyard, but at Disneyland it is simply something to do when all the other lines are too long. However, the views from the top are pretty neat, if the people slogging behind you are patient enough for you to wait and enjoy them.
It is what it is, a short walk through attraction. It's a nice place to get a birds-eye view of Disneyland's "west side". If you've got 15 minutes to spare or are waiting for an Indiana Jones fastpass to become active, than give this a shot.
I must be the only person out there who prefers this to the Robinson, but that isn't saying much. It's a good walkthrough, but it still needs to be "alive". They should bring back the waterworks and bring in some animatronics. 5/10
interesting scenery but nothing else
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1 STATE OF CALIFORNIA 2 BUSINESS, TRANSPORTATION AND HOUSING AGENCY 3 DEPARTMENT OF CORPORATIONS 4 5 TO: Freedom Financial Network, LLC 6 Freedom Debt Relief, Inc; Freedom Debt Relief, LLC; Freedom Debt Relief; FDR Alivio Holdings, LLC 7 Bills.com, Inc.; Bills.com, LLC; Bills.com Freedom Tax Relief, LLC 8 Alivio Mortgage, LLC 9 1875 S. Grant Street State of California - Department of Corporations San Mateo, California 94402 10 Andrew Housser, Founder and Co-CEO of Freedom Financial Network, LLC 11 285 Ridgeway Road Woodside, California 94062 12 Bradford Stroh, Founder and Co-CEO of Freedom Financial Network, LLC 13 25 Saddleback Drive 14 Portola Valley, California 94028 15 16 ORDER WITHDRAWING DESIST AND REFRAIN ORDER 17 It is hereby ordered that the Desist and Refrain Order issued on May 29, 2008, against the 18 above named persons is withdrawn as of the date set forth below. 19 Dated: December 22, 2009 Los Angeles, California 20 21 PRESTON DuFAUCHARD 22 California Corporations Commissioner 23 24 By 25 Alan S. Weinger 26 Deputy Commissioner Enforcement Division 27 28 ORDER WITHDRAWING DESIST AND REFRAIN ORDER 1 STATE OF CALIFORNIA BUSINESS, TRANSPORTATION AND HOUSING AGENCY 2 DEPARTMENT OF CORPORATIONS 3 4 TO: Freedom Financial Network, LLC Freedom Debt Relief, Inc; Freedom Debt Relief, LLC; Freedom Debt Relief; FDR 5 Alivio Holdings, LLC 6 Bills.com, Inc.; Bills.com, LLC; Bills.com Freedom Tax Relief, LLC 7 Alivio Mortgage, LLC 1875 S. Grant Street 8 San Mateo, California 94402 9 Andrew Housser, Founder and Co-CEO of Freedom Financial Network, LLC State of California - Department of Corporations 10 285 Ridgeway Road Woodside, California 94062 11 Bradford Stroh, Founder and Co-CEO of Freedom Financial Network, LLC 12 25 Saddleback Drive Portola Valley, California 94028 13 14 DESIST AND REFRAIN ORDER (For violations of sections 12200, 22104, 22153 and 22154 of the Financial Code) 15 16 The California Corporations Commissioner ("Commissioner") finds that: 17 1. In 2002 Andrew Housser ("Housser") and Bradford Stroh ("Stroh") founded Freedom 18 Financial Network, LLC ("FFN"), a Delaware limited liability company, and during all relevant times 19 acted as its co-chief executive officers. Previously, Housser worked for Lorantec Systems, a 20 suspended California corporation, and for Abenona Networks, Inc., a dissolved corporation, both of 21 which were located at the same address, 1052 Penleton Avenue, Sunnyvale, California. On March 22 10, 2003, FFN first filed with the California Secretary of State's Office its articles of organization. 23 2. FFN operates in Sacramento, California and Tempe, Arizona, but has its headquarters at 24 1875 S. Grant Street, San Mateo, California. Other entities co-located with FFN's include, but are 25 not limited to, Alivio Holdings, LLC; Alivio Mortgage, LLC; Bills.com; Bills.com, Inc.; Bills.com 26 LLC; FDR; Freedom Debt Relief; Freedom Debt Relief, Inc.; Freedom Debt Relief, LLC; Freedom 27 Mortgage; and Freedom Tax Relief, LLC. FFN and affiliated entities are in violation of the laws 28 found in the California Financial Code that govern proraters, bill payers, finance lenders and brokers. -1- DESIST AND REFRAIN ORDER 1 3. Housser and Stroh state that FFN is the umbrella company and that its five divisions 2 include: "Bills.com, Freedom Debt Relief, Freedom Tax Relief, Freedom Student Loans and 3 Freedom Mortgage". Housser and Stroh represent they began business in late 2002 and Stroh states, 4 "we're already one of the biggest companies in the industry. And we're doing well." 5 4. FFN and its affiliates solicit consumers via the Internet on sites they developed and 6 maintain that include, but are not limited to, www.bills.com, www.freedomdebtrelief.com, 7 www.freedomdebt.net, and www.financialfreedomnetwork.com. They also use toll free telephone 8 numbers and advertise through print and other media. 9 5. During all relevant times Doug Nunes ("Nunes") acted as an adviser to Housser, Stroh State of California - Department of Corporations 10 and Freedom Debt Relief. Nunes is featured and quoted in materials that Housser and Stroh 11 presented to the public. However, they failed to disclose to consumers that on October 25, 2002, the 12 Commissioner issued a Desist and Refrain Order for unlicensed activities to Nunes, President of 13 AmeriDebt, Inc. and AmeriDebt pursuant to the California Check Sellers, Bill Payers, and Proraters 14 Law. The Commissioner's Order issued to them was not contested and continues to remain in effect. 15 6. On March 18, 2003, Housser filed a fictitious business name statement for his company, 16 Freedom Debt Relief. Housser described Freedom Debt Relief's business as "Credit & Debt 17 Counseling Services". 18 7. On September 9, 2003, Housser filed with the California Secretary of State's Office 19 documents for Freedom Debt Relief, Inc., stating it is a non-profit corporation located at 1875 S. 20 Grant Street, San Mateo, California. However, on June 29, 2006, the California Secretary of State 21 suspended Freedom Debt Relief, Inc., for its failure to comply with legal requirements of the 22 California Corporations Code and tax provisions. Freedom Debt Relief, Inc. continued to remain a 23 suspended California corporation until the San Mateo's District Attorney's Office inquired about the 24 company in 2007. After these inquiries by the District Attorney's Office Freedom Debt Relief, Inc. 25 was revived as a non-profit corporation and contemporaneously dissolved on February 1, 2008. 26 8. In addition to forming Freedom Debt Relief, Inc., Housser filed articles of organization 27 on October 29, 2004, with the California Secretary of State's Office documents for Freedom Debt 28 Relief, LLC, stating it was a Delaware limited liability company. -2- DESIST AND REFRAIN ORDER 1 9. Freedom Debt Relief, Inc. and Freedom Debt Relief, LLC also use the business names 2 "Freedom Debt Relief" and "FDR" and operate in the same offices, through their affiliates and their 3 websites. The websites that describe the debt reduction program of Freedom Debt Relief offered to 4 consumers does not disclose whether the debt reduction program is with Housser's fictitious business 5 name, Freedom Debt Relief, Freedom Debt Relief, Inc., Freedom Debt Relief, LLC, (hereinafter, 6 "Freedom Debt Relief") or one of their affiliates. The websites for FFN and Freedom Debt Relief are 7 linked, are similar in appearance and content and offer a "Debt Reduction Guarantee" that a consumer 8 will be completely debt free in as little as 12-36 months. Freedom Debt Relief's website states: 9 Our "Debt Reduction Program" is an innovative solution for consumers State of California - Department of Corporations struggling with large debt burdens. FDR uses debt negotiation to 10 dramatically lower both your debt levels and your monthly payments. . . 11 We can help you save more money than simple consumer Credit 12 Counseling while protecting you from the harsh impacts of bankruptcy. 13 • Be debt free in as little as 12-36 months! 14 • Lower debts down to as low as 50% of what you owe! 15 • Service Fee Money Back Guarantee 16 • Better alternative to bankruptcy, debt consolidation or credit counseling 17 • One Simple Monthly Payment 18 These websites also include "testimonials" from consumers but completely fail to mention the 19 numerous complaints received about Freedom Debt Relief's services, including those filed with 20 the Better Business Bureau ("BBB"). The BBB has processed at least 110 complaints from 21 consumers about Freedom Debt Relief and nine (9) complaints about Freedom Tax Relief and 22 their business practices. Consumers' complaints concern the exorbitant fees they were charged, 23 non-settlement of debts, failure to communicate with them or their creditors, lack of refunds, etc. 24 10. FDR, Freedom Debt Relief, Freedom Debt Relief, Inc., and Freedom Debt Relief, 25 LLC in concert or participation with others begin the debt settlement process for a consumer only 26 after they have obtained extensive and detailed personal and financial information about a 27 consumer's identity, credit cards and bank accounts. 28 /// -3- DESIST AND REFRAIN ORDER 1 11. In exchange for the future services that they promise to provide to a consumer the 2 above-named entities immediately begin to charge and require payment of several fees. A 3 consumer must pay (1) a "retainer fee" exceeding several hundred dollars due in several monthly 4 installments and (2) a separate "service fee" payable in installments for over a year until the total 5 retainer and service fees of approximately 15% of the consumer's debt have been received. The 6 "retainer fee" and "service fee" are combined and included as part of a consumer's single monthly 7 payment. Freedom Debt Relief requires a consumer to pay their retainer and service fees by 8 authorizing automatic withdrawals (debits) from a consumer's bank account each month via 9 electronic debit or automatic check relay. Moreover, in connection with one's debt reduction State of California - Department of Corporations 10 program a consumer must pay numerous additional fees including activation fees, maintenance 11 fees, ACH electronic check fees, ACH deposit fees, phone pay fees, miscellaneous fees, etc. 12 12. Regarding consumers' funds earmarked for their creditors, Freedom Debt Relief states 13 it is affiliated with and operates in connection with other entities, including Global Client Solutions, 14 LLC, which is not presently and never has been a bona fide financial institution. 15 13. A consumer is required to provide Freedom Debt Relief with a power of attorney that 16 requires the consumer to grant to Freedom Debt Relief, its agents, assigns (including Global Client 17 Solution, LLC) as an "attorney-in fact" full power and authority to do and perform each and every 18 act and thing which may be necessary, or convenient in connection with any handling of a 19 consumer's financial settlements with a consumer's creditors. Thus, a consumer is required to fully 20 authorize Freedom Debt Relief and its agents to act as his or her attorney-in-fact and to authorize 21 them complete access to withdraw and disburse funds from his or her bank accounts. 22 14. One of the other "divisions "of FFN is Freedom Tax Relief, LLC, a Delaware limited 23 liability company, which filed with the California Secretary of State's Office on October 29, 2004. 24 Freedom Tax Relief, LLC operates at 1875 S. Grant Street, San Mateo, California and via its 25 website, freedomtaxrelief.com. Freedom Tax Relief, LLC offers to provide consumers bill paying 26 services that include ACH processing, returned check processing, and credit card processing. 27 /// 28 /// -4- DESIST AND REFRAIN ORDER 1 15. In 2005 Housser and Stroh created Alivio Holdings, LLC. It acts as FFN's parent 2 entity and holding company and is also located at 1875 S. Grant Street, San Mateo, California. 3 Alivio Holdings, LLC first filed with the California Secretary of State's Office on January 10, 4 2005. Housser and Stroh are the only members and managers of Alivio Holdings, LLC. 5 16. On November 14, 2005, Alivio Holdings, LLC arranged for Bills.com to provide bill 6 payment services. Housser stated his companies, Alivio Holdings, LLC and FFN, were very 7 excited about the acquisition of Bills.com and saw it as a key step in enhancing their brand and 8 profile in the consumer debt management industry. Housser also stated they "were looking 9 forward to entering the fast growing bill payment space." State of California - Department of Corporations 10 17. On June 21, 2006, Housser filed articles of incorporation with the California Secretary 11 of State's Office for Bills.com, Inc., showing its business address as 1875 S. Grant Street, San 12 Mateo, California. On February 1, 2008, Housser filed a statement with the California Secretary of 13 State's Office listing himself as the president of Bills.com, Inc. 14 18. Two months after creating Bills.com, Inc, on August 7, 2006, Housser filed articles of 15 organization with the California Secretary of State's Office for Bills.com, LLC. Housser listed 16 himself as its member and manager of this limited liability company and stated its business address 17 was also located at 1875 S. Grant Street, San Mateo, California. Housser described the business of 18 Bills.com, LLC as "debt negotiation services." 19 19. Bills.com advertised on FFN's website that it offers a comprehensive Resource Center 20 on many different financial topics and provides various debt consolidation sources. Bills.com also 21 offers services that include debt consolidation, mortgage refinancing, bill payments, payment 22 protection insurance, and consolidated credit card bill payments. Both Housser and Stroh provide 23 audiovisual presentations to consumers on Bills.com's website. FFN's website also provides a link 24 to the website for Bills.com. The Bills.com website fails to disclose if it is for Bills.com Inc. or 25 Bills.com, LLC or both entities. Bills.com states that since 2002 it has served more than 30,000 26 customers nationwide while managing more than $500 million in consumer debt. 27 /// 28 /// -5- DESIST AND REFRAIN ORDER 1 20. On September 4, 2007, Housser obtained from the California Department of Real Estate 2 ("DRE") a real estate broker's license (DRE number 01815317) for Bills.com, Inc. Housser also has 3 a real estate license (DRE number 01758735) and is the designated officer of the corporation, 4 Bills.com, Inc. The locations for both Housser's personal California real estate license and the 5 California real estate broker's license for Bills.com, Inc. are at 1875 Grant Street, San Mateo, 6 California. 7 21. Affiliated with both Freedom Debt Relief and FFN is Alivio Mortgage, LLC, a Delaware 8 limited liability company that filed with the California Secretary of State's Office on October 29, 9 2004. It is also located at 1875 Grant Street, San Mateo, California. Alivio Mortgage, LLC is 100% State of California - Department of Corporations 10 owned by Alivio Holdings, LLC. 11 22. On September 19, 2005, Alivio Mortgage, LLC applied for a license as a California 12 Finance Lender and Broker from the Commissioner of the California Department of Corporations, 13 which has jurisdiction over and regulates finance lenders and brokers pursuant to the California 14 Finance Lenders Law ("CFLL") found in California Financial Code section 22000 et seq. 15 23. On December 13, 2005, the Commissioner granted a license as a finance lender and 16 broker (Department of Corporations CFLL File No 605-3240) to Alivio Mortgage, LLC, which is 17 conditioned on its compliance with the applicable provisions of the Financial Code. After being 18 granted the license Alivio Mortgage, LLC moved its location without approval from the Department 19 as required by Financial Code section 22153. In fact, Alivio Mortgage, LLC did not even inform the 20 Department about its desire to change its place of business and violated Financial Code section 21 22153. 22 24. Alivio Mortgage, LLC as a licensee was required at all times to maintain a minimum 23 net worth of at least $25,000 pursuant to Financial Code section 22104. Alivio Mortgage, LLC's 24 income statement for 2007 shows a net loss of over $115,000. Its balance sheet dated December 25 31, 2007, shows it failed to meet the statutory net worth requirement and instead had a net worth 26 deficiency of over $4,600. Alivio Mortgage, LLC is in violation of Financial Code section 22104. 27 /// 28 /// -6- DESIST AND REFRAIN ORDER 1 25. Alivio Mortgage, LLC, co-located with the other above described businesses of 2 Housser and Stroh, conducted business at a place in which business other than making loans is 3 engaged in without either written notification to and the authorization of the Department, which is 4 in violation of Financial Code section 22154. 5 26. Alivio Mortgage, LLC advertises its mortgage services as mortgage brokers, mortgage 6 companies and real estate loans through the Yellow Pages. Alivio Mortgage, LLC marketed its 7 services via the Internet, a call center and through other organizations. Alivio Mortgage, LLC did 8 not disclose to the Commissioner its advertisement materials, including its website as required, 9 which is in violation of California Code of Regulations section 1550. State of California - Department of Corporations 10 27. Consumers complained that they were sued even though FDR, Freedom Debt Relief, 11 Freedom Debt Relief, Inc., or Freedom Debt Relief, LLC were purportedly contacting their 12 creditors to negotiate settlement of the consumers' respective debts. After consumers contracted 13 with FDR, Freedom Debt Relief, Freedom Debt Relief, Inc., or Freedom Debt Relief, LLC to 14 negotiate with creditors and after consumers were sued by their creditors then Alivio Mortgage, 15 LLC would offer its services to consumers in the form of loans (new and additional debt owed by 16 consumers) that would enable consumers to pay their creditors who sued them. 17 28. On April 2, 2008, Housser filed with the California Secretary of State's Office for his 18 Company, Freedom Lending, LLC, listing its address at 1875 S. Grant Street, San Mateo, California. 19 29. The Department of Corporations has jurisdiction over and regulates bill payers and 20 proraters under the Check Sellers, Bill Payers and Proraters Law ("CSBPPL") set forth in California 21 Financial Code section 12000 et seq. California Financial Code section 12200, states: 22 No person shall engage in the business, for compensation, of selling 23 checks, drafts, money orders, or other commercial paper serving the 24 same purpose, or of receiving money as agent of an obligor for the purpose of paying bills, invoices, or accounts of such obligor, or acting 25 as a prorater, nor shall any person, without direct compensation and not as an authorized agent for a utility company, accept money for the 26 purpose of forwarding it to others in payment of utility bills, without 27 first obtaining a license from the commissioner. 28 -7- DESIST AND REFRAIN ORDER 1 The definition of proraters, found in Financial Code section 12002.1, states: 2 A prorater is a person who, for compensation, engages in whole or in part in the business of receiving money or evidences thereof for the 3 purpose of distributing the money or evidences thereof among creditors 4 in payment or partial payment of the obligations of the debtor. 5 30. All non-exempt bill payers and proraters in this state are required to be licensed by the 6 Commissioner. FDR, Freedom Debt Relief, Freedom Debt Relief, Inc., Freedom Debt Relief, LLC, 7 FFN; Freedom Tax Relief, LLC, Bills.com, Inc.; Bills.com, LLC; Bills.com; Housser, Stroh and their 8 affiliates can not satisfy the criteria to meet any statutory exemption from the CSBPPL licensing 9 requirement. Thus, during all relevant times they have been unlicensed and unauthorized to act as State of California - Department of Corporations 10 either bill payers or proraters in the State of California. 11 31. Additionally, Freedom Debt Relief and FFN are unlicensed in other states. For example, 12 in November 2007, the Rhode Island Department of Business Regulation's Division of Banking 13 issued an order to Freedom Debt Relief and FFN to immediately cease and desist their unlicensed 14 debt management plan activities in their state and ordered them to refund all fees received relating to 15 all debt management plans currently being serviced. Neither Freedom Debt Relief nor FFN have 16 disclosed the existence of the Rhode Island's Cease and Desist Order to consumers or the public. 17 32. Alivio Mortgage, LLC is the only entity described above licensed by the Department 18 of Corporations. Although it holds one CFLL license, it is operating in violation of Financial Code 19 sections 22104, 22153 and 22154 and California Code of Regulations section 1550. 20 Based upon the foregoing findings, the Commissioner is of the opinion that FDR, Freedom 21 Debt Relief, Freedom Debt Relief, Inc., Freedom Debt Relief, LLC, Freedom Financial Network, 22 LLC; Freedom Tax Relief, LLC, Bills.com, Inc.; Bills.com, LLC; Bills.com, Alivio Holdings, LLC, 23 Housser and Stroh and their affiliates, in concert or participation with others, have been engaging in 24 business as a bill payer or prorater as defined in the Check Sellers, Bill Payers and Proraters Law 25 without a license from the Commissioner and in violation of that law including overcharging 26 consumers in violation of Financial Code sections 12314 and 12314.1. 27 /// 28 /// -8- DESIST AND REFRAIN ORDER 1 The Commissioner is also of the opinion that Alivio Mortgage, LLC, in concert or 2 participation with affiliates or others has engaged in business in violation of the California Finance 3 Lenders Law. 4 Pursuant to Financial Code section 12103, the Commissioner hereby orders FDR, Freedom 5 Debt Relief, Freedom Debt Relief, Inc., Freedom Debt Relief, LLC, Freedom Financial Network, 6 LLC; Freedom Tax Relief, LLC, Bills.com, Inc.; Bills.com, LLC; Bills.com, Alivio Holdings, LLC, 7 Housser and Stroh and their affiliates, in concert or participation with others, to desist and refrain from 8 engaging in business as a bill payer and prorater unless and until they are licensed or exempt and from 9 violating Financial Code sections 12314 and 12314.1. State of California - Department of Corporations 10 Pursuant to Financial Code section 22712, the Commissioner hereby orders Alivio Mortgage, 11 LLC and any and all officers, directors, employees, independent contractors, agents, and affiliates 12 operating on its behalf to desist and refrain from the following: 13 (1) changing locations without notification to and the approval of the Commissioner; 14 (2) failing to maintain minimum net worth of $25,000; 15 (3) conducting business at a place in which business other than making loans is engaged 16 in without either written notification to and the authorization of the Department; and, 17 (4) using advertising without prior approval from the Commissioner. 18 The foregoing Orders are necessary, in the public interest, for the protection of consumers and 19 remain in full force and effect until further order of the Commissioner. 20 Dated: May 29, 2008 Los Angeles, California 21 PRESTON DuFAUCHARD 22 California Corporations Commissioner 23 24 25 By________________________________ 26 ALAN S. WEINGER 27 Lead Corporations Counsel Enforcement Division 28 -9- DESIST AND REFRAIN ORDER
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WVU medical faculty and students are at the leading edge of scientific studies of the biological processes of life and at the forefront of efforts to bring health advances to residents of West Virginia's cities and rural areas. The School of Medicine serves students who want to study medicine, physical and occupational therapy, laboratory science, exercise physiology, research and graduate education and more.
At the West Virginia University School of Medicine, we educate health professionals, provide thousands of people with medical care, and conduct lifesaving research. Our students work side-by-side with doctors and scientists in the University's modern hospitals, clinics and laboratories.
As one medical school with three campuses, our students also have a chance to learn from professionals that practice at medical offices, clinics and hospitals across the state.
WVU Department of Surgery Visiting Professor Jack H. Mydlo, M.D., will present "AUA Urotrauma Guidelines and Review Update for 2015" on Wednesday, April 8. He will lecture at 6:30 a.m. for Urology Grand Rounds in room G152F and at 8 a.m. for General Surgery Grand Rounds in room 4080.
Dr. Simpkins will receive $5,000 in professional support from the Claude Worthington Benedum Foundation Endowment at WVU. He is focused on discovering novel compounds for the treatment of stroke and age-related brain disorders, including Alzheimer's disease.
The ninth winner of the Patricia "Pat" Fedeles Award for Compassion in Physical Diagnosis was presented to Sarah Lively on March 24. This award is presented to the second-year medical student who portrays ongoing compassion, friendliness and an overall caring attitude toward patients, peers, faculty and staff.
On Friday, March 27, the West Virginia Alpha Chapter of Alpha Omega Alpha (AΩA) Honor Medical Society will induct 15 students and several residents, faculty members and alumni into the AΩA. University of Iowa professor Michael B. Edmond, M.D., M.P.H., M.P.A., will speak at Grand Rounds.
March 28
Spring Recess
Spring recess extends Saturday, March 21 through Sunday, March 29.Read More
March 29
Spring Recess
Spring recess extends Saturday, March 21 through Sunday, March 29.Read More
April 3
Friday Before Easter Recess: University Closed
Friday Before Easter Recess: University ClosedRead More
April 4
Passover (Day of Special Concern)
Passover (Day of Special Concern)Read More
The Robert C. Byrd Health Sciences Center at West Virginia University is a comprehensive institution with a full range of undergraduate, graduate, and professional degree programs to prepare you for a future in the fields of science and health.
The extraordinary array of real-life, hands-on experiences, bring you an unsurpassed education in advanced patient care, diagnosis, treatment, disease prevention, health and wellness.
Learn more about our academic offerings or visit the Student Corner.
During my pharmacy rotations I found myself chasing down the next procedure and staring at MRIs and CT scans. I developed a passion for the diagnostic end of medicine.
Sarah Bowen
MD Degree | Class of 2017


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You may read this title and think, "There is no Zen for the parent of a teething puppy!" True, a teething puppy requires extra supervision and care, but with the right precautions you and your pet
Baby sea otter has good taste in dog toys
Aniak is the proud mother to a baby Northern Sea Otter at the Seattle Aquarium. This new baby girl arrived January 14th, 2012 and a month later was already starting to explore her surroundings and beginning to swim. At the time of this photo, this little Sea Otter still had not been named. What was known was that she had taken to playing with her water dog toys: Zisc and Tux from West Paw Design! These dog toys are great for water play since they float... and are good for otter play since they are so durable!
Our human friends at the Seattle Aquarium have shared in the past that they love that the toys are so durable and float. It is evident that the otters find the toys fun, but we are told the otters especially love the Tux dog toy when it is stuffed with shrimp - who wouldn't love that?! Yum!
Does your dog spend the day playing in the water? Take the advice of our Otter-ly good friends and get a durable water toy from West Paw Design!
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San Francisco's Rental Consultant
Bay Area Rental AdvisorsBay Area Rental Advisors is a full-service residential leasing company. As a team of licensed rental specialists, we handle everything from when a tenant moves out to when a new tenant moves in. We give your property maximum exposure to attract the most qualified tenants through innovative use of technology and marketing skills through our key business contacts.
Our "New Listing Alert" is the latest way to be notified of a new property match without searching through endless sites. We stay abreast of changing market conditions. Our first concern is attention to our client's needs, but most of all, we are passionate about building long-term relationships with our clients.
We look forward to meeting you soon!
Broker, Leasing Advisor, CCRM
Pam O'Brien - Broker, Leasing Advisor, CCRMWhen it comes to living, working and having fun in San Francisco, Pam O'Brien aka "The Rental Gal" gets it. Pam grew up on the peninsula and has her finger on the pulse of this extraordinary city's rental market. She is ready to use her expertise to facilitate your goal to obtain a great nesting place.
After graduating from USC Business School with a degree in entrepreneurial business and obtaining her Real Estate Broker's license, Pam specialized in e-marketing at Homes.com and residential/commercial lending. Her in depth knowledge of real estate and its intricacies have armed her for excellence. Pam strives to give exceptional results and find just the right match using state of the art technology and personal communication to connect with her clients!
Pam is a California Certified Residential Manager, a member of San Francisco Apartment Association, California Apartment Association and Small Properties Owners of San Francisco Institute. She also belongs to the Golden Gate Yacht Club and she enjoys snow and water skiing too.
Leasing Advisor, CCRM
Tracy Ballard - Leasing Advisor, CCRMTracy has rented more than 500 homes in the Bay Area for property owners. She purchased her first property at age 22 and that's when she discovered her passion for real estate! Tracy owns rental properties with her family and has helped manage those properties for the last 20 years. This experience gives her the perspective of the property owner in every transaction.
Tracy donates a portion of every commission earned toward construction of a new home for a family in need through a non profit called Home for a Home. In her spare time, Tracy manages a 40 unit apartment building in Noe Valley that generates approximately $1,000,000 a year in revenue.
Prior to moving to San Francisco in 2001, Tracy was born and raised in Alaska. She obtained her business management degree at University of Alaska, Anchorage. Yes, it's cold there, and no, she's not ever planning to move back. Living in San Francisco is her dream come true! Her passions include yoga and music festivals.