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Comments about 'Doug Robinson: Don't pay players 'till college football is off welfare'
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The Prestigious Pac 12 University of Utah is a boon to the local economy and a
source of great pride for Utahns.
I am more than happy to subsidize
great sports programs as we compete for Pac 12 and national titles.
Go UTES
- 10:45 a.m. Sept. 20, 2013
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The boosters are also humanitarians that contribute to many charities.
There are many contributions to the educational side of college also.
the stadium is full than obviously the fans consider the product worth the price
of the ticket.
I agree with Chris that the Utes in the Pac12 are a
benefit to the University and the community.
- 11:45 a.m. Sept. 20, 2013
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Thanks Doug! This is a great article! The unfortunate side effect of such spending and disproportionate focus on athletics at the collegiate level is that it trickles down to the high school level and places a brutal burden on schools in small rural or less affluent communities. It would be refreshing if athletics were once again an extracurricular activity rather than expensive obsession.
- 11:56 a.m. Sept. 20, 2013
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Good article, Doug. The world of college is out of control. I see the only
remedy as creating two separate leagues and letting each university make its
choice. One league would be like a semi-pro conference where anything goes,
booster recruitment, no NCAA regulations, players can make $$$, and they would
not attend school at all. Basically the school would rent mercenaries to compete
under their banner. This league would have their own championship. And they
would be required to offer a 4-year fully paid college scholarship to their
players whenever they choose to attend school in the future.
The 2nd
league would be comprised of student athletes and with all of the rules that
every other sport lives under. Similar to what we have today but without the
I suspect universities like Notre Dame, Vanderbilt,
Stanford, BYU, and others would opt for the second league while Alabama,
Michigan, Texas, USC and others would opt for the new league. I suspect only
about 40 schools could reasonably take this mercenary approach. The rest of
college football would go back to being a student-athlete sport. And ALL of us
would feel better about no longer pretending.
- 12:51 p.m. Sept. 20, 2013
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I noticed how carefully Doug quoted "Athletic Department" budgets in his
article. If we look a little closer and deeper Men's Basketball and
Football we find they are already self sufficient at most major universities.
The reason Athletic Department budgets are in need of student, booster and tax
funds is because football cannot be expected to subsidize of all the non revenue
Say Doug, didn't you attend school on a track
- 1:03 p.m. Sept. 20, 2013
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The truth is that football is not on welfare, it is the other non-revenue sports that are on welfare by using the funding generated from the football program.
- 1:12 p.m. Sept. 20, 2013
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THANK YOU Doug Robinson! I wish sports fans would quit making excuses. Yes
some sports make money, but the rest of the university never sees that money.
It stays in the athletic department. If you want to support sports pay with
your ticket price and donations, etc., but don't expect college
students' tuition to pay for it. So wrong! What is the real reason for a
university? It used to be education...
My brother, who teaches at BYUI,
was so thrilled when they got rid of athletics. No more making exceptions for
them and getting pressure from the athletic director/coaches. He could get down
to the real job of teaching and educating.
- 2:25 p.m. Sept. 20, 2013
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How many buildings are left on the U campus that don't say "Eccles"? Sincere thanks, Spence and family, for making the U a better place for all students!
- 3:55 p.m. Sept. 20, 2013
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I agree.... why don't we stop subsidizing all students educations. None of
them are profitable to the university... well... ok a few generate money for the
schools in the form of grants for research.... but the rest of them.... free
loaders I tell ya. Lets have every student pay their fully loaded cost to be
The problem I have with the argument made here is it
pretends all students are subsidized in one way or another.... they are all on
the educational welfare role. If we are going to pick out students who
aren't carrying their weight, lets do it to all of them.
I think
there is a way to make these players whole. I agree, you sell a Johnny Football
Jersey - ok - it doesn't have his name on it but everyone knows whey people
by a number 2 Texas A & M jersey... and it isn't because all the number
1's were sold out - that some how, eventually, some portion of those
proceeds should filter his way, along with his team mates.
So it
is a problem.... but it isn't a welfare problem. Next thing you know they
will be part of the 47% discussion...
- 9:51 p.m. Sept. 20, 2013
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I fear that college football is soon to be dead as we know it. Only the biggest
of the biggest schools will keep it going despite all those fans who want to
subsidize it. Concussion related issues will probably do it all by itself, but
if they decide to pay athletes, that will guarantee it. Concussion lawsuits are
coming along with "image" (ala Ed O'Bannon) and schools are going
to have to pay up in the tune of thousands in lawyer fees and millions in
settlements or tens of millions in damages.
BYU-I is looking smart in
my opinion for changing their athletics to a student centered and internal setup
with highly-competive and school sponsored intramural leagues.
- 5:30 a.m. Sept. 21, 2013
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When are people going to wake up and realize that colleges are nothing more than sports franchises and that almost all of their programs are total scams? My degree can't even buy a token on the subway. I should've taken the money I spent on college and started a business instead.
- 10:52 a.m. Sept. 21, 2013
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Every student at college is not paying there total cost of the education. Tax payers subsidize all schools rather public or private just through grants and loans. That doesn't even mention the tax breaks and money from the govemment. A student athlete is not able to work on the side. Between practice, school, study and travel to games there is barely enough time for some sleep. Just because you are an athlete doesn't mean you have a full scholarship, most sports only have scholarships for 1/3 of the players except football. Just do a search of NCAA scholarship limits. If you have do have a full scholarship, you still need school supplies, toiletries, and a little spending money. If your parents can't afford to give you any you got problems. These kids need some spending money, they money that people think they should make is only like $150 a month, which wouldn't go far.
- 1:38 p.m. Sept. 21, 2013
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I'd be hard pressed to to improve on what this article is saying. I am not
a sports person. When I attended USU I didn't attend one game. I
don't know how much cheaper tuition would have been if my tuition
hadn't subsidized the athletic teams, but I'd like to know that
I like the approach BYU Idaho takes, they have intramural teams
where everyone plays with other students at the same and that's it.
- 2:51 p.m. Sept. 21, 2013
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Chris B:
Even with the big win over the Y the Utes are not going to
contend for anything in the PAC-12, let alone a national championship. After
the honeymoon is over, the fan frenzy will lessen and stadium will be half-empty
as many bemoan another 5-7 season.
- 7:13 p.m. Sept. 22, 2013
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Currently the tuition and fees at USU for 12-18 credit hours is
$3092.32 per semester. Of that $456.05 is fees and of that $129.38 goes to
- 7:57 p.m. Sept. 22, 2013
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Neymar signs 5-year contract with Barcelona - 0 Comments
BARCELONA, Spain — Neymar completed his transfer to Barcelona on Monday in a deal that unites the Brazilian star with Lionel Messi in what should be a formidable attacking partnership.
Neymar signed a five-year contract with club president Sandro Rosell after choosing Barcelona over Real Madrid.
The 21-year-old jogged onto the Camp Nou field for the first time in his new Barcelona jersey with "Neymar Jr" on the back.

subset: commoncrawl


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Valentine's Day is always fun around our house. I love love and I love sugar. So it's a perfect match. Aside from swapping gifts with my true Valentine, I enjoy crafting with my kids for their friend's gifts, and making treats for my ballet students. Last night I made Valentine cards for my students and wanted to share the easy DIY with […]
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Applications may be held up where documentation (such as references) is missing so you should try to submit your application in as complete a manner as possible. Unconditional offers cannot be made until all relevant documents (including transcripts and relevant proof of English proficiency where necessary) have been received.
Have a look at our MA FAQs page to see if you can find a quick answer to your query.
You can also contact the Postgraduate Administrator, Joanna Fryer, by email or by phone (020 7679 1340).
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Principles For Mobile Marketing Success
Posted by Melissa Parrish on February 8, 2012
Most marketers know that there are opportunities for them to engage consumers on mobile devices: consumers are increasingly buying smartphones, using them more frequently, and using them as a supplemental resource for content and communication. So it's great to see that marketer spend in mobile is increasing. However, we find that most efforts still treat mobile as a translation of PC-based campaigns, or are otherwise experimental. And while it's smart to start with those kinds of programs, we think it's important that marketers begin to evolve their mobile marketing strategies so their programs can be as sophisticated as their customers.
In our latest report, we've identified a few steps you can take to move your mobile marketing strategy forward:
1) Know what phase of mobile marketing evolution you are in.To get where you're going, you first have to know where you are. We've has outlined five phases of mobile marketing evolution and the accompanying approach, resources, goals, and tactics for each so that you can see which phase you are in today: Foundation, Experimentation, Device Strategy, Channel Strategy, and Comprehensive Strategy.
2) Use the three pillars of mobile strategy to guide your marketing programs in each phase:
a. Immediacy: Provide content that is timely and actionable in the moment.
b. Simplicity: Provide programs elements that are easy to see and navigate on a mobile phone.
c. Context: Send relevant messages based on time, location, and mobile behaviors.
3) Work with the right partner to enhance your strategy. Mobile is still emerging as part of the interactive marketer's toolbox and that means there's still a lot of learning to be done. We suggest that marketers grow their internal expertise by partnering with one of two types of partners: 1) A digital agency that excels in mobile marketing and can help guide your thinking and integrate your mobile strategy with other efforts, or 2) a specialist that can help you with mobile-specific tactics, such as a 2D bar code or SMS campaign.
If you're a Forrester client, you can see all the details in this report. In the meantime, I'd love to know what phase of mobile marketing your organization is in, and how quickly you think you'll need to move to the next one to meet the needs of your customers.
Agreed that mobile marketing
Agreed that mobile marketing is an ongoing evolution. With regard to the three pillars, I would emphasize action along with immediacy. One of the advantages (and difficulties) of mobile is that it's so fast and easy for users to take action in response to an ad or marketing campaign. This makes it important for marketers to think very clearly about the target action and make it appealing to mobile users. If it's not clear what users are intended to do--when presented with a large, not-so-mobile-optimized website, for example--or if it's not easy for the user to do that--long, complicated form with more text entry than mobile should require--the opportunity to have them act is lost.
SnapHop provides tools to integrate offline and online engagement points, but we're finding so far that most companies are still in the experimentation phase and don't have a clear idea how to use mobile for best results.
Mobile Marketing
Great Post! For many mobile marketing is slowly rising to the top, as being the key source of marketing versus traditional black and white marketing. Many people have not yet picked up, that everywhere one goes their is a function for one's phone to see that marketing ad right from our phones.
Mobile Marketing
Having researched the future of mobile marketing, which is expected to double each year through 2016, I am excited to educate and position myself as the go-to mobile marketing specialist in my area. This post not only enhances my research on the subject, but also reinforces the need for specialists in this area as well as my decision to move forward in this direction.
Rick Clark
Mobile marketing has
Mobile marketing has definitely helped me in increasing my store sales. I have read alot about how mobile marketing is very helpful these days due to the increase in users who use mobile devices. For my mobile marketing strategy, I use the service of brick&mobile (www.brickandmobile.com) because they provide the different tools for mobile marketing, like SMS platform and at the same time mobile websites. Through these tools, I was able to get the attention of many customers and the comeback rate of my customers to my store generally increased. I'd definitely recommend business owners to get into mobile marketing and use brick&mobile as a mobile marketing provider.
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Dustin Schneider
Shared publicly -It's been a long while since I've been on here. I've been thinking about cranking this baby back up. So here's a shot from a recent shoot before it got freezing cold here in North Texas.
Great effect and background...I won't say anything about a Stevie Nicks pose
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For $200 they received 60 design concepts from 18 designers!
Over 40,000 of the world's best entrepreneurs and small businesses trust crowdSPRING with custom logo design, web design and writing services. 96% of them recommend that you try us too.
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Ends:15-May-14 6:59 p.m. GMT
Award 1: $200, was awarded to panaah
Layered PSD, GIF
Preview: crowdSPRING Contract
File 1: superheroine_dark_with... (581.9 KB)
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Superhero banner ad
We provide a cloud based service that is used by development teams to ensure their software is of high quality. Please look at our short animated video to get a better understanding http://reqtest.com/about-us/
We need six different variations but in until we pick a final design we would like you to focus on 300x250.
As a final delivery we would like the following variations:
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728 x 90
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We need six different variations but in until we pick a final design we would like you to focus on 300x250.
As a final delivery we would like the following variations:
468 x 60
728 x 90
300 x 250
336 x 280
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160 x 600
Software and InfoTech
The typical user or decision maker is a person working within IT or with product development (still within IT). They are 40+ in age and typically have the role of a project manager. There range of technical skills is very wide. Some are hardcore techies and other have low computer knowledge (but are good project managers). Most are probably somewhere in between. Gender is 50/50. The ads will primarily be used in the US.
Our customers are mostly within insurance, finance, public sector which means we don't work with the latest Silicon Valley hyped up internet companies (speaking in general).
Trust - the ads will show on new markets which means this is about brand building and giving the feeling we are trustworthy and have been around for a long time.
No.1 - We are considered the No1 choice within our niche.
Call to action - this can be that they can "learn more" or "register a trial". This part shouldn't be too prominent (we don't want to look as a B2C ad) but still be there as an important element.
our tool is superior in usability so getting started with new projects is done in no time.
First of all, it should reflect the design we use on our web so the gap isn't too wide from clicking on the ad and coming to our web.
We prefer graphics and not photos.
Again, the importance is to reflect the feeling of our web. Doesn't have to be an exact match, but visitor should recognize itself going from add->web
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Let us match you up with one of our very best Creatives and work 1-to-1 in complete privacy. You'll have all of the same tools and features as our regular projects!


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PVE Restoration Druid Guide
Current as of Patch 5.3
Role | Talents & Glyphs | Stat Priority | Reforging
Cooldowns | Single Target Healing | AOE Healing
This guide aims to provide all of the most critical information that you need to know so that you can play a Restoration Druid, at level 90 in PVE content. It covers talents, glyphs, stats, reforging, and rotations.
This guide will assume that since you are level 90 you will be able to take the basic information and run with it, simple topics like addons, macros, targeting, and more are not covered.
The Role of a Restoration Druid
As a Restoration Druid your role in a group is to provide healing. A restoration druid provides much of their healing in the form of Heals Over Time (HOT). This is different than most other healers who provide most of their healing as direct healing. This makes them ideal for keeping groups of players up or for providing steady healing over time to a tank while a direct healer takes care of the spike healing. Just a few of the abilities and benefits that a Restoration Druid can provide to a group in addition to healing are as follows:
Druids have some of the coolest looking sets but you rarely see them because you spend so much time in different forms.
- Provides Mark of the Wild which grants a 5% boost to most stats.
- Druids can resurrect even while in combat with Rebirth.
- Can provide Barkskin buff to anyone that requires it to reduce incoming damage by 20% for a short time.
- Innervate can provide some mana back to themselves or other players.
Restoration Druid Talents and Glyphs
Restoration Druids has seen multiple different talent rebuilds over the years, so it should come as no surprise to players that they changed yet again in Mists of Pandaria.
The new talent system in Mists of Pandaria means that for the most part you are free too chose talents and glyphs that you like rather than specific ones. There are a few specific talents and glyphs that are required for the best healing performance in PVE content. As a Restoration Druid you should strongly consider selecting the following talents and glyphs, but in any other slot take whatever talent or glyph you like best.
Nature's Swiftness (Tier 2 talent) - This talent grants you the ability to cast several of your spells instantly and for free on a 1 minute cooldown. Those abilities heal for 50% more and last 50% longer.
This talent is pretty much manditory as it provides an "oh crap" heal button. You can instantly cast your big Healing Touch spell instantly and for 50% more healing. There isn't really another choice that is even close at this level.
Incarnation: Tree of Life (Tier 4 talent) - This talent increases your healing by 15% and your armor by 120% for 30 seconds on a 3 minute cooldown.
This is a great cooldown that allows you to heal quite a bit more, as well as protecting you from some incoming damage. Make sure you stack it with nature's vigil for best effectiveness.
Nature's Vigil (Tier 6 talent) - This talent provides a 3 minute cooldown ability that boosts all healing and damage by 20% for 30 seconds. In addition any damage that is caused heals nearby allies for 25% of the damage done and any healing done deals 25% damage to a nearby enemy.
This is another great talent that provides a solid healing boost on a 3 minute cooldown. It will also allow you to do some minor damage while healing, which is fun, but pretty meaningless. Combine this with your Incarnation: tree of life and any other cooldowns you can, such as heroism.
Glyph of the Lifebloom (Major Glyph) Â Grants whatever the current stacks of lifebloom where on your previous target to your new lifebloom target.
This is a great glyph for several reasons. The most obvious is for tank swaps in a fight, as it allows you to instantly have a full stack of lifebloom up on your new target right away. The second reason is equally important if slightly more akward. It is for those times you screw up and hit lifebloom on a player that you meant to put a different heal on. This glyph allows you to cast it back on the tank right after and you will have only lost 2 global cooldowns (1 for the mistake and 1 to move the stack back to the tank) instead of 6 (1 for the mistake and 5 to bring the tank back up to a full stack). These things happen, and this makes it less of an issue.
Glyph of Healing Touch (Major Glyph) Â Reduces the cooldown of swiftmend whenever you cast Healing Touch.
This is a great glyph for if you are a tank healer since you will be using healing touch anyway. If you are a raid healer it is still useful as your go to heal when you get an omen of clarity is healing touch, but it is not as useful.
Glyph of the Wild Growth (Major Glyph) Â Wild Growth heals 1 more target but the cooldown is increased by 2 seconds.
This is a good glyph if you primarily raid heal in 25 player groups. Here the extra healing provided is well woth the 2 seconds extra on the cooldown.
Restoration Druid Stat Priority
It is critical to understand your stat priority for any class as going after the wrong stats can dramatically lower your healing output.
The stat priority for a Restoration Druid is as follows:
Spirit > Intellect > Haste (to breakpoint) > Mastery > Crit
Important Notes:
- Spirit - This stat is key to maintain enough mana throughout the fight and therefore is the highest priority for you as a healer. However, once you have enough spirit to last through a fight and still have mana left it loses its place as the top priority.
- Haste Haste decreases the time it takes to cast spells as well as increasing the number of ticks that your HOTs generate. The important thing to know it that you gain extra ticks of your HOTs at certain amounts of haste, but then you do not gain another for quite a while and therefore haste is not as good unless you can get enough to reach that next break point. This means that you will often switch priorities as you collect more gear.
Common breakpoints to aim for are 3045 and 6655. The first grants an extra tick to rejuvenation, wild growth, and tranquility, as well as 2 ticks to lifebloom. The second common breakpoint will grant a further extra tick to wild growth, lifebloom, and a tick to regrowth.
Reforging as Restoration Druid
When reforging simply follow the stat priority above for Restoration Druids and move the lowest stat to the highest stat that the piece does not have on it. Remember to adjust priorities if you have enough spirit to last through a fight, or if you have more haste that a breakpoint but not enough to reach the next.
If your gear has these two stats | Reforge this stat |
 to this stat |
Spirit + Int |
Do not reforge |
Do not reforge |
Spirit + Haste |
Do not reforge |
Do not reforge |
Spirit + Mastery |
Mastery |
Haste |
Spirit + Crit |
Crit |
Haste |
Int + Haste |
Haste |
Spirit |
Int + Mastery |
Mastery |
Spirit |
Int + Cirt | Crit | Spirit |
Restoration Druid Cooldowns
There are several cooldowns available to you as a Restoration Druid. They are as follows:
Incarnation: Tree of Life  This is best used in combination with Nature's Vigil. It provides 15% extra healing for 30 seconds on a 3 minute cooldown.
Nature's Vigil - This stacks with Incarnation and should be used while it is active for best effect.
Nature's Swiftness This is a one minute cooldown that lets you cast your next spell (from a select list) instantly and for free. Healing spells will heal for 50% more and if the spell has a duration, it lasts 50% longer. You are best using it with Healing Touch for a big heal or Rebirth to do it without the long cast time.
Rebirth - This is a major cooldown as it is one of the few abilities that can bring a player back to life during combat. It has a 10 minute cooldown, so it is really only once per fight. Save it for a tank or another healer.
Innervate - Use this in any boss fight that you are in as soon as you are down to about 75% mana, that way in a long fight you may get a chance to use it again. If you have enough spirit that mana is never an issue then you should use it as soon as another healer is down to about 85% mana at the start of a boss fight, so that you can use it again later.
Restoration Druid Single Target Healing
The most used heals for a Restoration Druid healing a single target are:
1 - Lifebloom  Keep a full stack of 5 up on your main healing target. Do not refresh with lifebloom but instead use any direct heal to refresh it (nourish, healing touch, and regrowth all refresh the stack).
2 - Rejuvenation  Keep this HOT up at all time on your main healing target, also allows Swiftmend.
3 - Healing Touch or Regrowth - Use whenever Omen of Clarity procs and makes these heals free. Use to heal or just to refresh lifebloom for free.
4 - Nourish Use whenever you need to refresh lifebloom but have not proced omen of clarity.
5 - Swiftmend - Use whenever you need a quick heal on the target. Also heals everyone nearby.
Restoration Druid AOE Healing
Druids make awesome AOE raid healers and better yet the abilities are fairly easy to figure out and use.
When raid healing you should base your healing on the following:
1 - Wild Growth - Use this on cooldown to heal groups of players nearby.
2 - Rejuvenation - Keep active on players taking damage so that you can use swiftment on them for AOE healing and to ensure omen of clarity procs.
3 - Swiftmend - Use whenever there are several players with lost health.
4 - Wild Mushrooms - Use for mass AOE healing. Ussually best setup before a fight, or only as needed in fights that require mass AOE healing at certain phases.
5- Tranquility - Use whenever the whole raid has lost significant health.
Comments on Restoration Druids
Do you have something to add on how to get the most out of a Restoration Druid in a PVE setting? Let us know by sharing in the comment section below.


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The Completed Robe
This quest was marked obsolete by Blizzard and cannot be obtained or completed. Wait for Menara Voidrender to complete your robe and then speak to her again. | Wait for Menara Voidrender to complete your item |
I will put the robe together for you now. It will take but a few moments. Do not go far.Rewards
You will receive:Enchanted Gold Bloodrobe |
Upon completion of this quest you will gain:- 4,900 experience


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Community Garden
The past few weeks, I had been toying around with the idea of creating a community garden. My own vision for the garden was one that would directly involve students from several surrounding schools in the efforts, from planning to planting. It could serve as another opportunity for the Muslim community to work with their non-Muslim neighbors and continue to build relationships. On Tuesday, I met with three teachers from Universal School in Bridgeview to discuss the project. I was put in contact with these teachers, Ms. Jody, Ms. Mustafa, and Ms. Shabaneh, by the principal of Universal because all three have been looking to start a community garden. We had a really great brainstorming session where we talked about who we would involve, how we would raise funds, and what we would grow. The possibilities seem endless!


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steve wariner
20 Years Of Number Ones – Return To Greatness
Now that our 20 Years of Number Ones Weekend is over, I am still compiling stats for many different things, from most number ones, to biggest gaps between number ones, to one hit wonders, but now let's take a look at some artists that made their return to number one in this 20 year period after past number ones.
Pictures From Garth In Nashville
Was everyone else as impressed with Garth Brooks in concert as I was? I was lucky enough to attend Garth's concert on Friday, December 17th and let it me tell you, it was amazing. Not only did Garth play a heck of show, he had a few guests join him on stage as well including his wife Trisha Yearwood, Nashville songwriter Steve Wariner and one of his backup singers, Karyn Rochelle, opened up the show. Check out some pictures from the show.


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Mizzou Sports
Pinkel expresses pleasure with Gabbert's poise
The sophomore quarterback has not thrown an interception this season.
1976 RV takes maintenance but becomes site of great tailgate parties
Sully Fairchild and Kevin Reichert are among eight friends who maintain a tailgate RV for Missouri football games. The group bought and retooled the RV last year.
ESPN to air Children's Hospital, Missouri School of Journalism commercials
The Children's Hospital and Missouri School of Journalism will be featured in the ESPN broadcast of the MU-Nebraska game Thursday evening.
AP pollsters talk Missouri football
The Missourian asked some of the Associated Press pollsters from around the country about their rationales for ranking the Missouri football team, and what would need to happen for the Tigers to imporve their ranking.
Who was Kenji Jackson before he was a Tiger?
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Pinkel admits Missouri's running game needs improvement
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The Jayhawks, now 4-0, relied on a late touchdown and defensive stops to hold off Southern Mississippi at home Saturday
So far, Gabbert's passing numbers impressive
After Missouri's 4-0 start, Missouri quarterback Blaine Gabbert is at or near the top of the national rankings in several passing categories.
Mizzou just misses AP Top 25
After four winning games, including a victory against Nevada, Missouri still falls short of the rankings by one. With many upsets over the weekend, the polls for teams below the top three rankings struggled to place the other football teams.
Missouri football team uses bye week to prepare for Nebraska
Players said the upcoming bye week is a good opportunity to rest and get healthy for the next home game Thursday against Nebraska.
New Missouri softball assistant coach is university legend
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Wide receiver Danario Alexander caught nine passes for 170 yards, and the Tiger defense forced a key fumble early in the fourth quarter. Missouri beat Nevada, 31-21.
Missouri running game struggles, but produces big plays
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QUARTER-BY-QUARTER: Missouri-Nevada
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The Wolf Pack plays in "The biggest little city in the world," but did you know that they used to take the field as the "Sagebrushers?" The Missouri football team will be traveling to Reno for its first true road game of the year.
Missouri punt returner looking for running room
Carl Gettis, a third-year starter at cornerback who is in his first season returning punts for the Tigers, has four returns for 21 yards.
Missouri cornerbacks aim for fun season
Missouri's cornerbacks say playing loose yet focused this season is important for getting better results after finishing 117th nationally in pass defense last season.
Coach's question motivates Missouri defense
"Who do you want to be?" It's the favorite catchphrase of new Missouri defensive coordinator Dave Steckel. And it's the question that lies at the center of the new-look Missouri defense's effort to create a new attitude and legacy.
Students, staff must relocate cars for MU-Nebraska game
The weeknight game on Oct. 8 will force 7,000 students and 800 employees who typically park near Memorial Stadium to move their cars before 4 p.m. to parking spaces north of Rollins Street.


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H&E Equipment: Exposure To Oil Is Misunderstood Presenting Strong Upside Case [View article]
In my assessment I would have more comfort initiating a position in $URI based on its relative stability of its past EPS both long term (5yr $URI 48.2% vs $HEES 0.6%) and short term $URI 41.7% vs $HEES 7.5% Q/Q). (source Finviz).
Further, it appears to me that the smaller fall of $URI is on a considerably larger volume (avg 2.62M $URI vs 0.594M $HEES). This is significant. It indicates that it is being held in stronger hands and hence a more stable holding. I own neither but I am considering $URI.
These are just my views and not meant as recommendations.
Thank you for sharing your views.
Yahoo: An Easy Way To Profit From Alibaba [View article]
Rite Aid And Wendy's Are Facing A Similar Situation [View article]
While the two have seen similar price action there a so many differences that we should not overlook. Many come to mind. Below is one example that hopefully will help show the complexity of this.
The majority of $RAD sales are driven by Rx sales/services and are paid by third parties (insurance/govt). Not only does $RAD not control the menu, (prescribers write Rx -menu) they compete with payers such as $CVS and others for the same revenue stream. Further, the payers often decide whether or not they will pay for any menu item via controlled formularies. One may wish to compare this to $WEN.
One may wish also to look at distribution and breadth of competition.
I can't help but agree that in any service business, service must be viewed as its core. -
Competition In Pharmacy Sector Fails To Dampen CVS's Spirit [View article]
The $CVS profit model, as you outline, should over time offset
many of the competitive pressures and tobacco elimination losses
that may ensue. -
Data Mining Rite Aid's 10K For Clues On Future Performance [View article]
Good article and comment.
I think we should also keep in mind when using LIFO/FIFO not just inflation but also the current impact of generics. They are acquired at much lower costs can substantially effect inventory value. Also note switching brands has some indirect effect on inventory value (not related to LIFO and FIFO) that is more difficult to quantify.
As you have noted this effect on inventory valuation definitely has an effect on COGS and thus earnings. -
Las Vegas Sands: Attractive Again On Recent Dip [View article]
I must agree fundamentally for the long term, though, I hold no position at this time.
It appears to me, that technically, we are in a short term transition.
We'll very soon see if the direction will turn upward or continue the current bias.
I very much appreciate your views and review of this stock.
Thanks! -
I'm A BlackBerry Buyer On Monday, No Questions Asked [View article]
Can this downward push be sustained?
Look at ADX, RSI, STOCH -down trend is abating with price approaching lower limit of Starc- and BBand. Look at the volume that was required to hold it back on Friday. Assess the pre-market rise in volume and price and the volume required to reverse it. Can this continue? Look at last 5 X 1 min of trade -price is well above regression line and with a volume that is many times the 50 bar average.
You 're on target here. Near term target is $ 11.20 and long term well north of $ 15. Let's thank the bears for this opportunity! Long $BBRY. -
Wal-Mart Stores In India: What Investors Should Know [View article]
I have now a better appreciation of the challenges that exist not just for $WMT but also for other retailers, consumers and government. -
Caution Or Optimism? Rite Aid At 7-Year High [View article]
I very much appreciate it ! -
Caution Or Optimism? Rite Aid At 7-Year High [View article]
To provide clarity to you point (re: "Not that $GS is always right" ), what is worth noting on April 14/2013 their target was $ 2.60 with a neutral rating which I understand they had changed from $ 1.75 nine days prior. (http://bit.ly/1hjQiPQ)
Sadly, as you state, many have been negative on $RAD.
As you know this has not been my position.
It is encouraging to see that there is some acknowledgement of $RAD's worth, here. We have risen considerably in the past year, however. A pause is plausible to me.
With regard to your view on technical indicators I choose to use any tool that helps my ability to perceive. To use your analogy of reflections: when driving forward I still prefer my rear and side view mirrors as well as glancing back to determine my position relative to others on the road. This is especially so if I need to change lanes. I know I have some blind spots.
I know this is much debated and is just my view.
Thank you for the comment. -
Caution Or Optimism? Rite Aid At 7-Year High [View article]
to review the following:
1) On Feb. 3/14 $RAD closed at $5.33 and hit a high of $ 6.87
on Feb. 21/14 -hard for us to view this ~ 29% rise as consolidation.
2) In the past 2 months only 7 days were above 50 days average volume (two of these were yesterday and today after the announcement by $GS)
3) Yesterday's $ GS statement evoked a volume that, although high, was not even close to the ytd highest nor close to the highest in Feb. volume - something we should have expected in view of such a high profile announcement.
4) Using near term data your price is well above both +starc band & upper BB. (I'm not sure of your target wrt time frame).
As such I do not believe the current volume can continue to support the recent ~29 % growth rate nor the resistance target that you suggest for the near term.
Thanks for the comment. -
Caution Or Optimism? Rite Aid At 7-Year High [View article]
in the near term. Although, not discussed in detail, I do see some volatility.
I am not clear on your question about cost averaging with regards to options.
Thank you for your comment. -
Morguard Corp: A Diverse High Quality Real Estate Portfolio That Sells At A 50% Discount [View article]
Thanks for sharing your perspective. -
WhatsApp Vs. BBM Security? Let Google Decide [View article]
Thanx -
Bloomberg: BlackBerry to get major boost from Ford [View news story]
Absolutely, and -
Let's not forget the Canadian ones !
94 Comments


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Community help needed for "Operation Chill-Out"
By Ina Ronquillo. CREATED Jun 25, 2014
TUCSON (KGUN9-TV) - "Operation Chill-Out" has been in full effect since June 1, but The Salvation Army is still in need of summer survival resources for the homeless in our community during the hottest months of the year.
The Salvation Army has not had a favorable response to date for donations and with temperatures rising, they are once again asking for the community's help.
The Salvation Army is asking for donations of unopened bottled water, hats, sunglasses, sunscreen, lip balm, and umbrellas to be dropped off at any Naughton's store location or The Salvation Army Hospitality House at 1021 N. 11th Avenue.
- Latest


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Does this sound to good to be true?
Started by
, Dec 27 2012 04:16 PM
19 replies to this topic
#1Posted 27 December 2012 - 04:16 PM
So i'll try to make this short.. here goes.
We are looking at a car that would usually sell for 45-50 grand to buy used. So we see a car advertised for 41.000. that is perfection! We ring them, this is their story.. The car in question is leased, they need to sell the car to pay off the lease before they go OS. We saw the car advertised for 46.000 before xmas, but obviously they are heading OS next week and are getting despo so have reduced the price dramatically. Obviously we can't just trust them to give the 41,000 to the lease company! So I ring consumer affairs, and they say it is illegal to sell a car if it is under finance, and a lease is the same as finance. But what buyers usually do is pay the lease company direct. So we speak to the lease company, who have said we can make the cheque payable to them, and can get a final payout figure from them before we pay, so we can see that their is certainly no more owing on the car than the 41,000 asking price. And the sellers have been very honest and met all our requests thus far. One side of me thinks it should be fine if all thats said above is done. But the other side of me is worried about something going wrong, if these people leave the country and the lease company take the car. So my wise E.B-ers, i'm just asking for a fresh look at the situation, something me or DH may not have thought of etc etc. Or someone who may had had this experience. TIA #2Posted 27 December 2012 - 04:28 PM
Yep, spoke to the lease company about this car, obviously they couldn't speak to us about the sellers account.
And yes the seller is happy for us to give them a NN cheque written to the lease company AFTER we have seen a figure for the amount of the final payout. Edited by foxgirls, 27 December 2012 - 04:28 PM. #3Posted 27 December 2012 - 04:29 PM
Its not illegal to sell a car under market value, that's their problem.
I don't see any issue with the deal, but just make sure you have the car checked out mechanically before purchase, and that the encumbrance (title) has been removed before you take ownership (your bank will do this for you anyway). Just be aware though, that with the encumbrance on the car, it could take longer than a week to have everything finalised - this will be the only issue with the current owners heading overseas. #4Posted 27 December 2012 - 04:33 PM
If you aren't doing through financing, you can check the ownership and any encumberances on http://www.ppsr.gov.au/Pages/ppsr.aspx
#5Posted 27 December 2012 - 04:41 PM
JuliaD, we were told by legal aid that it is illegal for a person to sell a car if its under finance. Your right, the fact that it is well under market value is not an issue legally for either party.
Juki, we have paid the $30 odd dollars to ppsr, it showed the people who are selling the car are the owners, and the car is under lease/finance. So we have checked what the sellers are telling us, and it is true according to ppsr. I am worried that there is someway after we have paid out the lease, and they have signed the car in our name and all that usual stuff has happened, that something i had not thought of could pop up, and these people are in Germany. #6Posted 27 December 2012 - 04:42 PM
I thought it was pretty normal to make a cheque out to the lease company or the finance company who has an interest in the vehicle. How else would anyone with finance on a car sell it? You want the title clear before you drive it away and they cant payout the finance until you do it for them.
#7Posted 27 December 2012 - 04:54 PM
I have heard of scams around these kind of things.
Make sure you check rego papers and vin numbers against the documents from the lease company. It could be legit but tread carefully! #8Posted 27 December 2012 - 05:01 PM
I worked in finance/leasing for many years and what you have done is absolutely correct. Under the terms and conditions of the lease if the lessee wishes to break the lease early the leasing company can request the vehicle back, sell it themselves and work out any shortfall with the lessee. In my almost 10 years in this industry I didn't see that occur once, in all honesty it's too time consuming for the financier. By the leasing company providing a payout figure, they are telling you & the lessee they are happy to release the vehicle title/ownership once the outstanding monies are paid.
Now that you have established there is an encumberance you need to request the vendor to obtain a payout letter from the finance company. This will provide you with the exact payout figure, payment details and an expiry date. To protect yourselves you need to make the payment to the finance company directly and then any additional funds in a separate payment to the vendor. DO NOT give the full amount to the vendor and expect they will pay out the loan, this will leave you wide open to danger. You want to make sure that finance is paid in full. You can request the finance company provide some sort of letter/receipt once payment is received and advising of their intention to release the encumbrance on the vehicle. The vendor may also want this confirmation from the finance company before releasing the vehicle to you anyway. It can be worth completing another encumberance check a month or so afterwards to ensure the encumberance has been removed as it can be a hassle when you try and sell if it's something that has been left on there - and years earlier! As long as you get the vendor to sign the transfer papers prior to them leaving the country I cannot see any issues with the sale. It all seems fairly genuine to me. Enjoy your new car! #9Posted 27 December 2012 - 05:03 PM
I should add (as PP pointed out) to check that the names match on the payout letter/rego papers etc and all identifiers match - rego, chassis/vin, engine numbers etc.
#10Posted 27 December 2012 - 05:12 PM
As long as you follow the excellent advice from kelliev, I can't see any problem at all. Good luck, the timing has worked for you by the looks.
#11Posted 27 December 2012 - 07:18 PM
Thank you so much to all of you for your replies. Kelliev you are a champ, thanks for that info, so valuable! So do you think there is any way the vendor can stuff around with a cheque that is specially written to the lease company? The lease company may only have offices in the city that works mon-Fri and we can't pick it up (DH working tomorrow) til sat.
Vendor is getting a final payout release thingo tomorrow so will be sure to re-check the names of rego, seller and the pprs check we did today also. Thanks again everyone ... So helpful #12Posted 27 December 2012 - 07:46 PM
I bought a car from a bank manager this way. I paid him, he paid out lease company and the rego was transferred to us. I think it was a novated lease. It sounded dodgy but it went smoothly. I would do it again but would always still check the background etc.
#13Posted 27 December 2012 - 07:57 PM
I work in finance - kelliev is correct. No they can't stuff around with a cheque. Check with the lease company who the cheque should be made payable to, to pay out that lease. It is possible that the cheque may need to be made payable to the seller's name, as the account with the finance company is more than likely in the sellers name. I would be asking for bank transfer details to get it through faster/safer to the finance comany if I was you.
#14Posted 27 December 2012 - 07:58 PM
We have done this before, just recently when we purchased my BMW and if you follow PP's excellent advice then everything seems above board.
Good luck and happy buying. #15Posted 27 December 2012 - 08:02 PM QUOTE To protect yourselves you need to make the payment to the finance company directly and then any additional funds in a separate payment to the vendor. DO NOT give the full amount to the vendor and expect they will pay out the loan, this will leave you wide open to danger. I agree with this... We have brought vehicles before and this is how it was all handled #16Posted 27 December 2012 - 08:08 PM
No big deal. I've done this before - the seller told me the car had finance on it. I checked and paid XX to the finance company directly and XX to the seller. All was fine.
#17Posted 27 December 2012 - 08:10 PM
The only thing I can think of is that I would make sure you give both cheques to the seller at the time you take possession of the car. DON'T pay out the finance company & then give the reminder to the seller afterwards.
If you pay out the finance company (by DD or sending a cheque) before the handing over of the car has happened then what is to say they won't just do a runner & not give it to you now that you've kindly paid off their car!! Edited by TillyTake2, 27 December 2012 - 08:12 PM. #18Posted 28 December 2012 - 12:30 PM
I used to work in vehicle finance, so I can chime in and say this is a common type of sale with leased vehicles, happens all the time. It protects everyone's interests. You pay the leasing company directly, so in the worst case scenario where the seller didn't hand over the vehicle, you'd get your money back, since you don't owe the leasing company anything. The seller doesn't worry about your money not clearing, since they won't give you the vehicle until it's been paid out.
Bear in mind, the leasing company can't confirm any info with you (payout figure, bank account, account number) unless the seller either calls or fills out a letter of authority to give you permission to talk to the leasing company. Nor can the leasing company confirm any amount was received unless you have this permission. The seller could also call them in your presence for your peace of mind, or show you letters on their letterhead. The seller can also request that the leasing company sends you an email/letter confirming the vehicle was paid out in full. If there is a shortfall (i.e. the sellers owe more than you're buying it for) then they need to make that shortfall payment to the leasing company. Then the leasing company will issue a payout letter, confirming the exact amount that needs to be paid - which should be the amount you & the seller agreed upon. If you need to pay the seller more than the amount of finance owing, then you pay the e.g. $40k to leasing company, and $5k to the seller when you take possession of the vehicle. Next step is making payment directly to the leasing company. If I recall correctly, we only accepted cheque or bank transfer - no direct debits or credit cards. The clearance time was 2-5 business days. We got a lot of frustrated people who waited till the eleventh hour to arrange the sale, and were cranky about the clearance periods. But what can you do? The leasing company needs to have received the money in full and it must clear before they will release the encumbrance over the vehicle. On occasions, we would accept RTGS payments, so the title could be lifted asap - the same or next business day. It wasn't info we were allowed to volunteer though. This would probably only work if the seller politely called the leasing company, requested RTGS and had a friendly supervisor willing to go the extra mile for them. But they don't have to do this, so the seller can't expect it. The title is on the PPSR, and we normally lifted them in bulk once or twice a week. Again, with the seller going overseas, I would advise the seller to call the leasing company, be friendly and build some rapport with them, and ask for it to be manually discharged once the seller knows the funds should have been received & cleared. Hope this helps, enjoy the new car. Edited by aussiecita, 28 December 2012 - 12:33 PM. #19Posted 28 December 2012 - 12:38 PM QUOTE (TillyTake2 @ 27/12/2012, 08:10 PM) <{POST_SNAPBACK}> The only thing I can think of is that I would make sure you give both cheques to the seller at the time you take possession of the car. DON'T pay out the finance company & then give the reminder to the seller afterwards. Paying the money directly to the seller, and then hoping the seller pays all outstanding monies to the finance company is a really risky strategy for the buyer! Also, writing a cheque to the seller is a painful way to make the final payout. If the OP pays the seller, then the seller deposits it in their bank and pays the finance company, you're looking at two different mandatory clearance periods before the finance company will lift the encumbrance and the vehicle can legally transfer hands. Much quicker and safer for the buyer to pay the finance company directly. QUOTE (TillyTake2 @ 27/12/2012, 08:10 PM) <{POST_SNAPBACK}> If you pay out the finance company (by DD or sending a cheque) before the handing over of the car has happened then what is to say they won't just do a runner & not give it to you now that you've kindly paid off their car!! This is well-meaning but bad advice. The OP doesn't owe anything to the finance company. If she pays and the seller doesn't hand over the vehicle, then she has recourse to have her funds returned by the finance company. If the seller did a runner, then they owe money to the finance company, and the finance company will chase them. Edited by aussiecita, 28 December 2012 - 12:42 PM. #20Posted 28 December 2012 - 04:37 PM
we've actually had to do this ourselves as the seller!
Novated lease and moving overseas. 1 user(s) are reading this topic0 members, 1 guests, 0 anonymous users |
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What's hot on EBLast chance to win a year's supply of toysYou have less than a week left to win your child one of five Fisher-Price toy packs valued at over $600 each - hurry, enter today! Childcare is a big problem, but there's more to itLet's keep talking about these issues and not allow them to be put into a neat little box that's labelled 'Fix childcare and everything is solved'. Pink's awesome response to body-shaming trollsWhen trolls felt the need to comment on 35-year-old singer-songwriter Pink's weight, her answer was an awesome ode to body love. Fertility clinic offers egg donors $5000A national chain of fertility clinics is offering egg donors a $5000 payment to cover their expenses, a first for Australia which is raising concerns the money could act as an inducement. Baby boy abandoned in India amid fresh surrogacy concernsAustralian officials could do nothing to stop an Australian couple from abandoning their baby son, born through surrogacy in India, after they decided they did not want to bring him to Australia. Herd immunity and community responsibility: how free-riders can make kids sufferIndividual choice works for haircuts and handbags, but not for preventing infectious diseases that kill kids. Photographer captures 'unexpected beauty' of birthIf there is one thing Leilani Rogers knows about childbirth, it is that no two deliveries are ever the same. Expectations vs the reality of making a toddler's clothesNote to self: less sewing, more life. Not the party dress, but the party. The toddler, as usual, has it all figured out. Mum meets 'dead' daughter 49 years after birthIn 1965, Zella Jackson-Price was told her premature baby girl had died shortly after birth. How pregnancy probiotics can help you and your babyNew research suggests that taking specific pregnancy probiotics could be the answer to a range of common pregnancy side effects. 53 creative pregnancy announcementsAnnouncing that you're expecting can be a time to express your creativity, sense of humour and imagination. Check out how other parents and parents-to-be have broken the news to friends and family. IKEA hacks for the nursery and kids' roomsAre you one of those that know the whole IKEA catalogue by heart? Love their stuff but want to personalise it? Here's some inspiration to help you realise the potential of IKEA furniture and fittings. 36 baby names inspired by food and drinksA French court may have ruled out Nutella as a baby name, but that doesn't have to stop you from taking inspiration from the supermarket (or bottle shop). See what parents in the US have chosen for their delicious little ones. ENTER NOW!Win a year's worth of toysLast week to submit a picture of your baby at play for your chance to win. Visit the Play Wall to view our recent entries.


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Indian Beer
Salted LassiSweet lassi
$5.90 $5.90
Methode Traditionelle - Dry, mouth cleansing. Matches well with tandoori chicken, fish and samosas.
200ml $9.90 Bottle $24.90
Hot Beverages
Indian Masala tea $5.00Latte $4.50Espresso (long and short) $4.00Cappuccino $4.50Mochaccino $4.50Flat white $4.50Irish coffe $7.50Hot chocolate $4.00English Breakfast tea $4.00Earl Grey Tea $4.00Camomile Tea $4.00Ginger Tea $4.00Green Tea $4.00Peppermint Tea $4.00


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Top Video
Locks and dams one step closer to repairs
PEORIA, Ill. -- Aging locks and dams along the Illinois River are one step closer to much-needed repairs.
Boys and Girls Club receives grant for new computer labs
PEORIA, Ill. -- A grant will allow their members of the Boys and Girls Club to learn through advanced technology.
Peoria residents discuss solutions for violence in Peoria's south side
PEORIA, Ill. -- A standing room only crowd filled a local church Thursday night in search of solutions to the violence problems plaguing Peoria's south side.
Pekin Police host annual Night Out Against Crime
PEKIN, Ill. -- Local law enforcement officers educated thousands of central Illinois residents on public health and safety services during Pekin's annual Night Out Against Crime.
Week one of fall veto session ends; no progress on Pension Reform
SPRINGFIELD, Ill. -- The Illinois Senate followed the House's lead and canceled its Thursday session without having considered the state's $100 billion unfunded pension debt.
Senator Mark Kirk talks gun control during stop at CIRA
BLOOMINGTON, Ill. -- U.S. Senator Mark Kirk made a stop in Bloomington Wednesday afternoon to tour the Central Illinois Regional Airport.
Zombies are coming out for "Thriller"
PEORIA, Ill. -- Peoria District 150 is calling for all zombies.
Dozer Park hosts showing of World Series opener
PEORIA, Ill. -- Hundreds of people made their way to Dozer Park Wednesday night to support their team in the World Series opener.
State historic officials see how Hotel Pere Marquette utilized tax credits
PEORIA, Ill. -- Officials from the Illinois Historic Preservation Agency say they are impressed with renovations at the Hotel Pere Marquette.
Town hall meeting Thursday to combat Peoria violence
PEORIA, Ill. -- City leaders are trying to figure out the best way to combat crime in the River City.


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home plumbing
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Turn your leftover turkey and fresh vegetables into a cozy homemade turkey pot pie.
This creamy noodle casserole is so good, you'll wish you had more leftover turkey!
"I tried this recipe with leftover turkey from the holidays, but I now buy a turkey just to make this! :-) Loved it." – Kimba
"Awesome soup. I honestly was not optimistic that my kids would go for this soup. Boy, was I wrong! They asked for more!" – Shelly
"Wow! Presentation, Taste, Kid-Friendly, and Ease of Making all get 5 stars on this one. Everyone loved it." – brendenj
Recipe of the Day
Turkey Wild Rice Soup
Wild rice is cooked in chicken broth, then combined with turkey, bacon and cream in this warm soup seasoned with poultry seasoning and green onions. — Jordanna Novak
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