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Remember: Always wear sunscreen when you're out for a run.
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Dr. Jordan Metzl explains the importance of taking care of your skin when working out.
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CardioGenics to File for 510K Clearance With the United States Food and Drug Administration by Q4 2011
MISSISSAUGA, Ontario, Feb. 3, 2011 /PRNewswire/ — CardioGenics Holdings Inc. (CGNH.OB) announced today final plans for testing of its QL Care(TM) (QLCA) Analyzer. The data that will be collected from the testing at 4 hospitals in North America will be used as a key component of the Company's 510K application with the United States Food and Drug Administration. The 510K application will allow the FDA to determine whether the QLCA is equivalent to another device that is currently approved by the FDA for commercialization. Upon approval of the application, CardioGenics will begin marketing the QLCA throughout the United States.
The Company has determined that it will use the Siemens ADVIA Centaur Analyzer and its related Troponin-I test as the reference standard for its clinical testing. CardioGenics has already identified four hospitals that use the Siemens ADVIA Centaur and will obtain approval from these hospitals to conduct comparative clinical testing of its QL Care(TM) Analyzer and Troponin-I test at their sites. The goal of this comparative testing is to confirm that the results from the CardioGenics QL Care(TM) Analyzers and the Siemens ADVIA Centaur systems are equivalent. CardioGenics expects to begin enrolling patients in this comparative trial upon approval of the Institutional Review Boards, which approvals it expects to receive by May 2011. The comparative trials will take approximately 45 days to complete.
Upon successful completion of clinical confirmation, the Company will then finalize protocols and commence trials for the FDA application for approval of its QL Care(TM) Analyzer and Troponin-I test. This final testing is expected to start during early Q3 2011 and complete two months later.
Yahia Gawad, MD, Chief Executive Officer of CardioGenics Holdings Inc. said, "Over the past few months, we have completed development of the QL Care(TM) Analyzer. We have solved many of the technological challenges that still affect the performance of other point-of-care devices on the market today. Our goal has always been to create test products at the point of care that compare favorably to the large and expensive lab-based machines."
Dr. Gawad continued, "Originally, we had planned to test our device and related tests against Beckman Coulter's Access II analyzer and their AccuTnl Troponin test kit. It is our understanding that this option is no longer available to us as, according to Beckman Coulter's SEC filings, Beckman Coulter is in the process of resubmitting a renewed application to the FDA for commercialization. Therefore, Siemen's product offering which is on the market was the logical choice."
Dr. Gawad concluded, "We would like to thank our shareholders for their continued support through the development and approval process. We are glad to deliver the news of these positive developments."
About CardioGenics Holdings Inc.
Through its operating subsidiaries, the Company develops ultra-sensitive analyzers and other products targeting the immunoassay segment of the Point-Of-Care IVD testing market. It has developed the QL Care(TM) Analyzer, a proprietary and ultra-sensitive Point-Of-Care immuno-analyzer, which will run a number of diagnostic tests under development, the first of which will be a series of cardiovascular diagnostic tests. As part of its core proprietary technology, the Company has also developed a proprietary method for silver coating paramagnetic microspheres (a fundamental platform component of immunoassay equipment), which improve instrument sensitivity to light. The Company's principal offices are located in Mississauga, Ontario, Canada. For more information please visit www.cardiogenics.com.
Safe Harbor Statement – Certain statements made herein that are not historical are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995 and may contain forward-looking statements, with words such as "anticipate, "believe," "expect," "future," "may," "will," "should," "plan," "projected," "intend," and similar expressions to identify forward-looking statements. These statements are based on the Company's beliefs and the assumptions it made using information currently available to it. Because these statements reflect the Company's current views concerning future events, these statements involve risks, uncertainties and assumptions. The actual results could differ materially from the results discussed in the forward-looking statements. In any event, undue reliance should not be placed on any forward-looking statements, which apply only as of the date of this press release. Accordingly, reference should be made to the Company's periodic filings with the Securities and Exchange Commission.
SOURCE CardioGenics Holdings Inc.


text:
Mountaintop removal: Battle for the mountains
While activists against mountaintop removal grow, miners of the region defend their practices as a way of life.
Fri, Aug 07, 2009 at 04:55 PM
Between 1985 and 2001, more than 700 miles of Appalachian streams were buried by the mining practice known as mountaintop removal, in which the tops of mountains are blasted off to expose coal seams.
(Video: Chris Carmichael/Powering a Nation)
Organizers in West Virginia have mounted a vigorous fight against the practice, which they say creates air and water pollution as well as increased flooding. This summer, waves of protesters risked arrest by engaging in civil disobedience, even going as far as to chain themselves to enormous earth-moving machines. But miners, too, are growing aggressive in defense of their livelihood. The debate has been fueled by mixed messages from Congress and President Obama, who has called for scrutiny of mountaintop mining but has yet to declare a moratorium on the practice. Until legislators can make up their minds, the battle for the mountains will continue.
—Chris Carmichael/Powering a Nation
Learn more:
• Information graphic: Moving mountains
Powering a Nation is a News21 project by students of the School of Journalism and Mass Communication at the University of North Carolina at Chapel Hill. The project was conceived, reported and produced entirely by the student journalists.
More Powering a Nation stories on MNN:
More West Virginia stories on MNN:
MNN homepage photo: Silvia Alba/Flickr


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Our Bureau
NEW DELHI: The Chief Executive Officer of SAS, Mr Jim Goodnight, has been named to the World Economic Forum's India Steering Committee. The committee identifies key issues and themes for the annual India Economic Summit of the World Economic Forum and the Confederation of Indian Industry, an SAS release said.
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A near-disastrous second quarter failed to sink the Sweetwater boys basketball team here Monday, which used a big third-quarter rally to overcome a 10-point halftime deficit. But the Mustangs saved the best for the very end in defeating Colorado City, 49-47, on Taylor Jones' buzzer-beating shot at Mustang Gym.
After losing at Abilene High this past Friday, the Sweetwater girls were back home Monday to continue their three-game gauntlet against Class 5A competition. But the re-sult was no better, as the Lady Mustangs lost to San Angelo Central, 61-48.
Alicia Finn's 13 points led Sweetwater (3-2), which will host Abilene Cooper today. Suede Shir-ley had nine, Shelby Cason and Candice Hernandez six, Kendra Crosson five, Kinsey Browning four, Hayley Brownlow three and Kathleen Campbell two for the Lady Stangs.
Sweetwater will be hosting a high school football playoff doubleheader at Mustang Bowl this Friday.
Abernathy (10-1) and Holliday (9-2) will start the twinbill with a Class 2A, Division II regional matchup that is set to kick off at 3 p.m. The winner advances to the quarter-finals to face either Cisco or Idalou, who play Friday night at Colorado City.


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The elected representatives seem to be toying with the idea of expanding the boundaries of Vijayawada city and converting it into Greater Vijayawada Municipal Corporation – a long-cherished dream of people here.
Credence to this thinking comes from the fact that State will be divided into two and Seemandhra region needs to develop its own cities. Even as the agitation against the bifurcation of State is on, it is learnt that the Greater Vijayawada proposal is gaining momentum.
The prime reason: the city could be showcased as better option to become capital in the event of the State getting bifurcated. A vast chunk of Government land will be part of the Greater Vijayawada Municipal Corporation if the dream comes true.
The government lands available in the neighbouring villages could be used for creating infrastructure for the new capital. The authorities are working on land availability in the vicinity, sources say.
The infrastructure in the surrounding panchayats can be developed on a par with the city and that will augment the Corporation revenue.
The VMC authorities, sources say, had already begun working on the Greater Vijayawada proposal. The boundaries of Vijayawada will expand phenomenally if the proposals eventually materialise.
The total area of the city will swell to more than 403 sq. km., from the existing 61.88 sq. km.
As many as 45 villages will need to be merged with the city, sources say. The Corporation had in the past proposed merger of only 15 surrounding villages with a total extent of 125.52 sq. km. But the current proposal seeks merger of 30 more villages with an extent of 216.30 sq. km.
The Corporation wishes to extend the boundaries up to Gannavaram, Ibrahimpatnam, Kankipadu and Penamaluru in view of the fast growing needs and the necessity to plan for the next 20 years.
For instance, the growth rate in Gannavaram is 47 per cent and it is only 37 per cent in the city. Penamaluru and Kankipadu mandals are abutting the National Highway and agro-based industries are located there.
The VMC passed the resolution a couple of times seeking merger of 15 surrounding villages and sent them to the government.
The government even asked the VMC to send its clarifications on certain issues raised by it. The VMC officials had then prepared a map with new boundaries.


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Results 1 to 30 of 58
Thread: Dipesh sketchbook
September 4th, 2010 #1
Dipesh sketchbook
Hi, i want to become a game designer so please critic on my work so i can improve on it please.
This is my first attempt to draw an apple, using photoshop and a tablet please commnet on it so i know how to improve on it
hi this is my first attempt please tell me how i can improve it please.
this is my outline
this is putting on the bold colors
this is adding on the details
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Hide this ad by registering as a memberSeptember 5th, 2010 #2Registered User
- Join Date
- Sep 2010
- Posts
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- Thanked 1 Time in 1 Post
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Well Done
This is really good for your first design work. I think you shouldn't quit because most of the users that do a first design on Concept Art was rubbish. Good Luck in your Career Mate.
The Following User Says Thank You to Drake Parker17 For This Useful Post:
September 5th, 2010 #3
thank you drake, have you got any advice on how to improve on it ?
September 9th, 2010 #4
Hey! To improve try to draw like mad man everyday and everything. Before drawing digitally, try to get comfortable with an ordinary pencil and paper. Study as much as possible - Bridgmeman, Loomis, Hogarth books. Draw from life, from references and a little from mind.
And you should improve in notime. Just work hard!
The Following User Says Thank You to vanaga For This Useful Post:
September 16th, 2010 #5
thank you vanaga!
i will post some still life drawing as much as possible and quickly as i can
September 19th, 2010 #6
Here are some sill life drawing please comment
Last edited by Dippesh25; September 19th, 2010 at 05:44 PM.
September 19th, 2010 #7
September 19th, 2010 #8
September 19th, 2010 #9
October 7th, 2011 #10
still life drawing
October 7th, 2011 #11
please comment
October 8th, 2011 #12
custom planet
this is my first planet i created on photoshop. please comment, tell me what i can do to make it look better. thank you
October 9th, 2011 #13Registered User
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- Oct 2011
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Nice man!
Hello Dippesh25 that planet really surprised me. Look like what transformers if you heard of the film. You have really inspired me to draw now. Thanks a Bunch keep up the good work and your future will be good mate.
The Following User Says Thank You to TheBobGuy For This Useful Post:
October 9th, 2011 #14
October 10th, 2011 #15
hey guys! this is my first concept drawing of a robot, it may not look amazing as other people's drawing but i tried. please comment and it would be great to get some helpful advice. thank you
October 10th, 2011 #16
planet with stars
hey guys, i made another planet with some few upgrades . hope you guys like it. please comment and critics are welcome as always thank you.
October 12th, 2011 #17
this is portrait of obama, i did my best to draw it as an exact replica, its my first time so please comment any helpful tips would be grateful thank you .
Last edited by Dippesh25; October 12th, 2011 at 03:22 PM.
October 16th, 2011 #18
Mecha robot
this is my second concept of a mecha robot, doesnt look great i know but its still a learning process right? please comment any tips would be grateful
October 29th, 2011 #19
Portrait of Diane Kruger
November 18th, 2011 #20
here a landscape design
Last edited by Dippesh25; November 18th, 2011 at 06:48 PM.
November 27th, 2011 #21
Digital painting of an Eye
Here a reference photo
Here a digital painting off it
i just concentrated on the mail details of the eye itself, i left the eyebrows and the hair out
December 10th, 2011 #22
Ear digital painting
here a reference photo
here my digital painting, i just focused on the ear itself
please comment
December 10th, 2011 #23
here a digital painting of a nebula. i didnt use any reference. just my imagination
please comment
December 11th, 2011 #24
axe weapon
i had this design in my head. please comment
December 11th, 2011 #25
still life drawing
December 11th, 2011 #26
still life drawing
still life reference photo
here a digital painting of it
December 11th, 2011 #27
here a digital painting of an amour. doesnt look realistic i know.
please comment
December 13th, 2011 #28
still life
here a digital painting of an apple,not the most interesting to look at. but i wanted to see my improvement from the last apple design i did.
Last edited by Dippesh25; December 14th, 2011 at 03:51 PM.
December 16th, 2011 #29
here a concept drawing of a starship. Orion .
Last edited by Dippesh25; December 16th, 2011 at 12:06 PM.
December 27th, 2011 #30
human male body


text:
All Truck & Equipment Sales
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The Bird, The Frog n' The Pond
1st Edition
by JuanJose Arbocco
A tale of a little Bird who discovers the wonders of companionship in an unlikely place and with an unlikely friend.
Born in 1981, Lima-Peru. Graduated from San Francisco State University with a B.S in international Business. I am an amateur photographer and writer.
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teatro de vida
Published May 18, 2014
Letras Furtivas
Published March 01, 2013
Start your own book today from US $3.99.
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From the title you can see i am looking for a way to delete a file from a different directory. All i can find on the subject is the unlink(), but from what i read in the documentation and from testing that function is it deletes the file name from the code you put it in. Makes me think it's quite similar to closing the file. What I am trying to do is actually delete a file using code so my user doesn't have to manually go to the folder and find the song they just deleted from the mysql database.
Take the 2-minute tour ×
Stack Overflow is a question and answer site for professional and enthusiast programmers. It's 100% free, no registration required.
unlink() will delete the file off your server
rmdir() will delete a directory off your server
Note: Once it's gone, it's gone.
unlink truly deletes the specified file from the disk
Run your filepath through realpath, then check if the returned path exists and if so, unlink it.
We can delete files by giving its URL or path in PHP by using unlink command. This command will work only if write permission is given to the folder or file. Without this the delete command will fail. Here is the command to delete the file.


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Our Fancy Nancy™ Dollhouse is based on the magical world of everyone's favorite children's book character. With its doors that open and close, hanging tree swing and one-of-a-kind roof design, this is a darling mansion that Fancy Nancy herself would love to live in! Features include:
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- Packaged with detailed, step-by-step assembly instructions
- Made of composite wood materials
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Loko works 18 hours a day, but still struggles to feed her children.
With your help, we can provide cows to give women like Loko a better future.
Christian Aid is a registered charity in the UK (no. 1105851). Christian Aid is a key member of ACT Alliance.
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OLFA®Utility Blades for SK-10, 10 pack (SKB-10/10B)
OLFA®Utility Blades for SK-10, 10 pack (SKB-10/10B)
In Stock
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- Made from high-quality carbon tool steel
- Four-point safety blade
- This blade is for SK-10 knives
Product Reviews
OLFA® Satisfaction Guaranteed Policy
OLFA cutter & non-disposable scraper handles, locking mechanisms, and 9mm standard duty blades, 18mm heavy duty blades, 25mm extra-heavy duty blades, safety and trapezoid-shaped blades and scraper blades are subject to the World Kitchen d/b/a/ OLFA - North America satisfaction guaranteed or replacement policy.*
If at any time you are dissatisfied with these "Satisfaction Guaranteed" products, World Kitchen d/b/a/ OLFA - North America will provide an equally valued replacement. Please allow 4 to 6 weeks for delivery of replacement product. Should you be dissatisfied with any such product, please keep it. You may be asked to return it. Please contact our Consumer Care Center for warranty claims.
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The blade in this OLFA® knife is concealed, giving you continual blade exposure as well as enhanced safety. The knife also features a cutting channel that holds the material in place and builds force for greater cutting ease. Use this knife to cut light to heavy-duty materials such as cardboard, packaging, film, trimmings, shrink wrap and strapping. (SK-10, #1096854)


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Kenny Miller and Kris Boyd have both returned to Ibrox this summer, while the club had Jon Daly on the books already. All three are players that Houston has worked with closely but he is more concerned by the prowess of his own side.
"I don't think you'll find any other team in the league saying they'll worry about that too much," said Houston. "They'll worry about their own standards."


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Search the collections
Booklet - 'Las Palmas', Shaw Savill Line, circa 1960s Reg. No: HT 6489
- Summary:
- Book issued by the Shaw Savill Line, circa 1960s. It contains local information on Las Palmas, a port of call on one of the routes offered by Shaw Savill. It is part of a collection of 175 items of post-war ship memorabilia collected by John McKay. John began collecting shipping brochures as a boy through an interest in travel and later used some of the material in his professional capacity as a Geography and Social Studies teacher. He finally made a voyage himself in 1957-1958, to England to attend a scouting jamboree, although he ended up staying for 18 months. He remembers lots of Australians going over at that time, and references to Earls Court as 'Kangaroo Alley'.
- Description:
- Eight page, landscape format brochure with yellow card cover, stapled in centre. The front cover contains on an illustraion of a flag, the title of the brochure and the Shaw Savill name, all in black ink.The information contained inside the document comprises information regarding the Canary Islands in general and then, more specifically, Las Palmas. There is a line map of the town and two black and white photographic images of local attractions.
- Acquisition Information:
- Donation from Mr John McKay, 2003
|20.5 cm (Width), 14.0 cm (Length)
More information
|Tagged with:
|advertising, shipping, ship memorabilia, pamphlets
|Themes this item is part of:
|Migration Collection, Transport Collection
|Primary Classification:
|Secondary Classification:
|Ports of Call
|Tertiary Classification:
|guide books
|Front cover;
Back cover;
'SHAW SAVILL LINE Passenger Office: 11A, LOWER REGENT STREET, LONDON, S.W. 1/ LAS PALMAS AGENTS MILLER Y CIA, S.A./ The Agents of the Line and BLANDY BROS. & CO. who are officially licensed Travel Agents will be pleased to give passengers further information and will arrange any Hotel and Excursion reservations that may be required'
|Shaw, Savill & Albion Co. Ltd (Shaw, Savill & Albion Line), England, Great Britain, circa 1960s
|Place & Date Published:
|England, Great Britain, circa 1960s
|Mr John McKay, Australia, circa 1960s
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text:
D-League rookie draft set Thursday
The PBA D-League Rookie Draft is set Thursday with 143 players hoping to strut their wares in the fourth season starting Oct. 24 at Ynares Sports Arena.
Café France, which owns the No. 1 pick, is expected to select Filipino-Italian guard Chris Banchero in the 2 p.m. proceedings at the PBA office in Libis, Quezon City.
Banchero, who starred in San Miguel Beer's title romp in the Asean Basketball League recently, leads 27 foreigners with Filipino roots who signed up for the draft.
Second-generation players Jerrold Nielsen Asaytono, son of former PBA star Nelson Asaytono, and Joma Adornado, son of three-time PBA MVP Bogs Adornado, also submitted their names along with players from various collegiate leagues.
Cebuana Lhuillier will choose second, followed by Boracay Rum, Big Chill, Blackwater Sports, NLEX, Cagayan Valley, Hog's Breath and Jumbo Plastic.
The PBA requires foreign players with Filipino roots aged 25 and below to play at least two conferences in its developmental tournament.
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- Amherst ReadsAmherst Reads
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- March 2014: Portrait of a Novel: Henry James and the Making of an American Masterpiece
- February 2014: Forged: Why Fakes are the Great Art of Our Age
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- April 2013 - Masters of Disaster by Chris Lehane '90
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- December 2012: Arcadia by Lauren Groff
- November 2012: The Hidden Europe by Francis Tapon '92
- October 2012: The Price of Inequality by Joseph Stiglitz '64
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- June 2010: Ballet's Magic Kingdom by Professor Stanely Rabinowitz
- May 2010: Ecological Intelligence by Daniel Goleman '68
- April 2010: Andean Express by Adrian Althoff '04
- March 2010: Freefall by Joseph Stiglitz '64
- February 2010: Beautiful Creatures by Margaret Stohl '89
- December 2009: What to Read When by Pam Allyn '84
- November 2009: On Poets and Poetry by William H. Pritchard '53
- October 2009: Julie & Julia by Julie Powell '95
- September 2009: Rules for Old Men Waiting by Peter Pouncey
- August 2009: The End of Overeating by David Kessler '73
- July 2009: The Mirror Effect by Dr. Drew Pinsky '80
- June 2009: Art and Politics of Science by Harold Varmus '61
- May 2009: Hold Tight by Harlan Coben '84
- April 2009: Passing Strange by Marni Sandweiss
- March 2009: Skeletons at the Feast by Chris Bohjalian '82
- February 2009: Loneliness as a Way of Life by Tom Dumm
- January 2009: Painter from Shanghai by Jennifer Cody Epstein '88
- December 2008: The Monsters of Templeton by Lauren Groff '01
- November 2008: The Most Famous Man in America by Debby Applegate '89
- October 2008: The Thing Itself by Dick Todd '62
- September 2008: Are We Rome by Cullen Murphy '74
- Search the Catalog
Full Upright and Locked Position: A Conversation
A conversation between Mark Gerchick '73, P'13 and Al Checchi '70, Chairman of the Advisory Board of Checchi Capital Advisers.
"A full airplane is a very densely packed place. Adding to that is the fact that carriers are reducing the seat pitch, the distance between seats. If you take one inch from each row of seats and you put those together, you've made enough room for an additional row of seats, which is pure revenue."
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Al Checchi '70 is currently Chairman of the Advisory Board of Checchi Capital Advisers which employs technology to quantify risk and create individual investment portfolios capable of mirroring and segmenting the global securities market. In 1989, Al co-founded Wings Partners to acquire and reposition Northwest Airlines, the fourth largest airline in the United States. Despite recession and a war in Iraq that lead to the bankruptcy of six major U.S. airlines, Wings Partners joined with KLM Royal Dutch Airlines to create the most profitable and extensive airline joint venture/alliance in the world and repositioned Northwest to become the most profitable airline in the U.S. from 1993 through 1996. Al served as Chairman and Co-Chairman of Northwest through 1996. In 1997 Al left the company to seek the Democratic nomination for Governor of California. He was defeated in a three-way race by Gray Davis.
Before forming Wings Partners, Al was a principal with Bass Brothers Enterprises, where he negotiated the profitable purchase, sale and financing of several businesses, including Arvida Corporation. In 1984, he negotiated an exchange of the stock of Arvida for stock in the Walt Disney Company and led the Bass family to purchase control of Disney, restructure its management, and change its strategy. The initial $20 million investment in Arvida eventually reached a market value of more than $2 billion.
From 1975 to 1982, Al worked at the Marriott Corporation, where he became Vice President of Corporate Development and Treasurer, responsible for managing all hotel development, foreign and domestic, and raising all corporate and project capital—in effect managing the nation's largest real estate merchant bank.
Al received a Bachelor's degree in Economics and American Studies from Amherst College in 1970 and received a Masters in Business Administration from the Harvard Business School in 1974. He is the author of several dozen articles and two books: The Checchi Plan, A Vision for California in the 21st Century, and The Change Maker, Preserving the Promise of America. Al is married with three children.


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sony open hotel recs
planning a trip to the sony open next spring. any recs for the most convenient hotels to stay (other than the ritz carlton key biscayne, which is more than i want to spend)? the tournament website lists lots of choices with a shuttle to the tournament site, which i assume is the way to go, but it's hard to tell which ones will have an easier/shorter shuttle ride or which ones will manage the tournament crowds better. any recs based on convenience or any other btdt advice would be appreciated. will be our first time going to this tournament and will be traveling with a child, so a kid-friendly environment would be nice also. tia.
All the hotels that get listed and have shuttle service are fine - any of the ones on Brickell Ave and on Biscayne Bay (Hyatt, Marriott, Hilton.......etc) are excellent.
If you have the cash- ritz carlton. Its where fed stayed last year, and others as well.
I am lucky..had a condo hookup there. I walked everywhere..it was probably a mile from my door to the seo. The main thing is to try and stay on the key if you can afford it. The traffic on the bridge during that time is not fun.
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Will we ever run out of baseball books?
May 28, 2014, 1:08 PM EDT
Bryan Curtis of Grantland has a great story today about baseball books. About how there are so damn many baseball books. And more and more are published every year. Indeed, just by going through books published in 2014, one can read subjects spanning nearly every decade of baseball history. Go back decades and you find multiple books on any topic worth writing about and just as many on topics not necessarily worth writing about.
Curtis talks to a lot of people — myself included — about why that is. I think the biggest answer is nostalgia. People want to read about Willie Mays and Mickey Mantle and Ted Williams even if they've already heard it all. That's a dynamic I have tended to mock — aw, look at the Baby Boomers getting misty-eyed about their youth! — but I can't lie: I was excited as hell to read Dan Epstein's latest about baseball in the 70s and when we start getting carpet-bombed with books about 1980s baseball, I'll read every one of them and shake my fist at the youngsters who just don't understand how baseball was in its prime back then.
And then people younger than me will feel the same way about the baseball of their youth. Of the 90s and 2000s and steroid-era baseball. Curtis and I talked about it when he interviewed me:
McGwire and Sosa will be de-villainized, by their word processors or ours. "There's going to be such a revision," said Craig Calcaterra. In a recent talk at a bookstore, Calcaterra found that college students weaned on '90s baseball don't view that decade as the fall of the national pastime. It was their childhood. "They see it in very much the same terms that we saw Gaylord Perry," he said. "'Oh, look at that. Wasn't it quirky that that happened?' The sport always overtakes the tut-tutting of people in the media."
It won't be sepia-toned like a Mantle book may. But some guy in his 40s or 50s will pick it up, read it and shake his fist at his kids and tell them that baseball was so much better and simpler and pure back when they were that age.
- DelawarePhilliesFan - May 28, 2014 at 1:12 PM
I wonder what Craig's book will be called…..
- buggieowens - May 28, 2014 at 1:28 PM
"A Lifetime of Trolling Phillies Fans"
- yahmule - May 28, 2014 at 1:31 PM
How to Squeeze the Same Tired Agenda into a Misleading Thread Title for Beginners
- SocraticGadfly - May 28, 2014 at 1:43 PM
"Not Disrepecting."
- thetoolsofignorance - May 28, 2014 at 2:32 PM
"Wring About Baseball For a Living Which You Would Have Done For Free But Get Paid For It For Dummies"
- SocraticGadfly - May 28, 2014 at 3:15 PM
"How I Learned to Stop Hating the Bat Flip and Start Loving the Carlos Gomez." A hologram of Peter Sellers plays Craig in the movie version.
- zzalapski - May 28, 2014 at 3:20 PM
Don't know, but his daughter's book will almost definitely be titled "My Name is Not Mookie!"
- 18thstreet - May 28, 2014 at 1:25 PM
Someone should write a book about the 1975 World Series. There's only been 400,000 so far.
- yankeesfanlen - May 28, 2014 at 1:36 PM
The authors or ghost writers of baseball books make 80% of them unreadable. There's either an r we go the route of "a hot Tuesday double-header in Detroit, I walked in the 2nd and had a fly out in the 5th, couldn't make it home for my son's graduation, but he went into the service and became the #3 Oldsmobile salesman in eastern Kansas".
Then you happen upon a "56" which artfully combines personality, gamesmanship, identity and the social norms of the times, and have to re-evaluate why you hate so many baseball books.
- sdelmonte - May 28, 2014 at 1:44 PM
That article goes on too long, and has an anti-baseball headline even though Grantland usually has some great baseball writing (almost all of it by Keri).
I've read some books about other sports. Football lends itself well to behind the scenes things, like the rivalry between the two football teams in Dallas in the early 60s. Basketball has a lot of interesting quirky history prior to the Magic/Bird era. But no sport works as well as a sport in a book for me for some reason. Maybe it's just my love of baseball, but I think there's more to it. Football as a game is sometimes too complicated to expound on. Basketball is rather repetitive. Baseball finds a good place for a book, with variations on the theme but not too many.
But yes, there is also the nostalgia factor. And the simple fact is, I feel no desire to revisit the football or basketball of my youth, or earlier. Those games are kind of dull. Both sports have really changed, for the better. Baseball, even with the SABR revolution, is the same even as it's evolved. So I can easily get into a book about the '75 Reds and not, say, the '&5 Cowboys.
- kweber2014 - May 29, 2014 at 3:49 PM
The short answer is No. http://www.SummerGameBooks.com the first and only *baseball-only* publisher will continue delivering new and classic re-issue baseball books, so that we never run out!
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Quiet rural setting in Bellanaleck, just 5 miles from Enniskillen, Florencecourt and Marble Caves.
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Situated on the A4 Belfast to Enniskillen Road, 2 miles from Upper Lough Erne.
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Situated on the scenic route between Kesh and Castle Archdale with panoramic views.
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A modern house with ensuite rooms, TV, tea and coffee making facilities in rooms.
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Ideal for visiting all tourist attractions and central for touring Donegal, Cavan and Fermanagh.
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Tudor Farm Country House is a waterfront home situated 3 miles from Kesh and close to Lusty Beg.
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Ideal venue for outdoor pursuits. Central for water sports, pony trekking and fishing.
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Quiet farmhouse in scenic part of Fermanagh close to golf, fishing and horse riding.
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Family run B&B situated 4 miles from Enniskillen in the beautiful countryside of Co. Fermanagh. ...
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NITB 'Commended' Serviced Accommodation 2013.Excellent Four Star accommodation near Enniskillen.
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|Four Points Foxboro properties are listed below. Search for cheap and discount Four Points hotel rates in Foxboro, MA for your family, individual or group travels. We list the best Four Points Foxboro hotels/properties so you can review the Foxboro Four Points hotel list below to find the perfect place.
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Nate Taylor net worth? Nate Taylor's net worth is $300 thousand dollars. Nate Taylor is a New York-based advertising executive. Born in Arizona, he graduated from Westmont College in California, and then moved overseas. He worked for a number of ad agencies in Amsterdam, including Wiedon + Kennedy, before returning to the US. He has garnered national attention of late, as it was revealed that he is currently dating actress, Scarlett Johansson. The two were introduced by mutual friends, and have been dating for six months, according to various sources. Ms. Johansson has been in and out of the headlines over the last few years, due to a combination of high-profile film roles and an equally high-profile divorce from actor, Ryan Reynolds. Mr. Naylor is described as a very quiet, private person, and was briefly linked to another actress four years ago. He and Ms. Johansson have only recently begun appearing in public together.
Nate Taylor
Scarlett Johansson is an American actress, model, and singer. She made her film debut in North. In 1996, she was nominated for the Independent Spirit Award for Best Female Lead for her performance in Manny & Lo, garnering further acclaim and prominence with roles in The Hors...
Actor / Singer / Model / Voice Actor
Date of Birth
- November 22, 1984
- Scarlett Ingrid Johansson
- Scarlett Johanssen
- Scarlett I. Johansson
- Jewish people
- Danish American
- Poles
- Scandinavian American
- Ashkenazi Jews
- 5 ft 2 in (1.6 m)
- 126 lbs (57 kg)
- United States of America
View Full Profile
- United States of America
Notable Appearances
- A Good WomanMeg Windermere
- A Love Song for Bobby LongPursy Will
- An American RhapsodySuzanne
- Captain America: The Winter SoldierBlack Widow
- Don JonBarbara
- Eight Legged FreaksAshley Parker
- FallLittle Girl


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Nov 1, 2013
Policing Your Skin: The Importance of Good Bacteria and Probiotics
It is well established that our skin is home to large communities of bacteria, fungi, and viruses, both good and disease-causing. In fact, many of these good "bugs" can help us fight the bad ones. For example,...
Adam Friedman, MD
The Skin You're In
News and views from the world of dermatology research
Oct 2, 2013
Lesson Learned? After Skin Cancer, Many Patients Skip Sun Protection
It is well established that having just one skin cancer increases the risk of having another in the future (not to mention that having other forms of solid organ cancer also increases one's risk of skin cancer). Once...
Sep 24, 2013
You Are What You Drink: The Harmful Effects of Alcohol on Your Skin
It should come as no surprise that what we put into our bodies can impact how we look on the outside. In a recent Mail Online article, the author challenged one women to give up drinking her regular intake of alcohol as a...
Sep 3, 2013
Rosacea: Exciting Breakthroughs in Understanding and Treatment
Rosacea is a common skin disease causing a range of eye and facial skin symptoms ranging from facial flushing to pus filled acne like bumps. There are in fact four types of rosacea: Erythematotelangiectatic – Also known as...
Aug 8, 2013
You Are What You (Do vs Don't) Eat: Psoriasis and Weight Loss
Just about everything has been blamed for psoriasis – from junk food to wheat products to coffee and alcohol. There are also plenty of theories about which foods might be helpful, including herbal teas and fish oil...
Jul 9, 2013
Summer Skin: How to Avoid Bartender's Dermatitis, Seabather's...
Let's be honest, everyone looks forward to Summer – beach, outdoor sports, BBQs – no big surprise. While a lot of fun comes along with those months in the sun, so too is their potential for multiple summer skin problems....
Jul 2, 2013
4 Tips for July 4th: Enjoy the Sun and Not the Burn
With the much anticipated July 4th weekend rapidly approaching, a few quick tips to stay free of any related skin maladies: 1. Be sun safe: Apply a sunblock that's SPF 30 or higher, broad spectrum, and water-resistant...
Jun 13, 2013
MRSA Threat During Surgery: A Good Offense Is the Best Defense
Bacterial infections caused by Methicillin-resistant Staphylococcus aureus (MRSA) are unfortunately on the rise – in fact, it is estimated that MRSA is responsible for up to 19,000 deaths per year in the United States...
May 29, 2013
Scratching the Surface: Innovations in Our Understanding of Itching
Itch, a.k.a. pruritus, is the most common skin disease symptom, and it has a significantly negative impact upon patient quality of life. Itch is an unpleasant sensation experienced at least once in a lifetime that causes...


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Arriving in their individual campaign vehicles, Will Ferrell and Zach Galifianakis were at The Grove in Los Angeles today (July 17th) filming a promo for their new movie "The Campaign."
Given that it's an election year, the folks over at "The Campaign" have rolled out two new promo posters featuring the film's two main stars.
Will Ferrell and Zach Galifianakis are political rivals in the soon-to-be-released flick, gunning for each other in a Congressional race in North Carolina.
Facing off in the newly released movie poster, Will Ferrell and Zach Galifianakis are featured in the promo shot for their newest flick "The Campaign".
Warner Brothers Pictures released the poster via its Facebook page this afternoon (June 5) revving up even more excitement for the highly anticipated political comedy.
Given that it's an election year, it's no wonder "The Campaign" is so highly anticipated. And the new teaser trailer is here!
The Jay Roach-directed comedy stars Will Ferrell, Zach Galifianakis, Jason Sudeikis, John Lithgow, and Dylan McDermott, and looks to be nothing short of hilarious.
Coming back for a second year, the Comedy Awards folks have announced their nominees for this year's honors.
And Emma Stone is up for multiple nods thanks to her work in the fabulous film "Crazy, Stupid, Love."
Getting to work on his latest project, Zach Galifianakis was spotted on set of "Dog Fight" in New Orleans on Tuesday (December 13).
Dressed for his part, the "Hangover" actor was decked out in an outdated wardrobe in an effort to make his role all the more laugh-inducing.
It doesn't hit theaters until January 27, 2012 but a sneak peek of "Tim and Eric's Billion Dollar Movie" has just been released.
It's the family friendly flick everyone has been waiting for, and now, "Puss in Boots" has made its much-anticipated theatrical debut just in time for the weekend box office.


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Srilekha Parthasarathy's theatre experience helps her to connect with the audience better as a singer
There is an actor in every singer. Popular playback singer Srilekha Parthasarathy is no exception, but her theatrical skills are not widely known.
"As the cultural secretary of the college music society, I was an automatic choice for the National School of Drama workshop and it helped me hone my skills," says the Delhi-born Srilekha.
She performed with a professional theatre group. "Once I had the opportunity to don the role of Cleopatra," she says.
"It was a mock performance in a sense. I was actually an old lady in that play who imagines herself as Cleopatra. It was tough wearing heavy attire under the lights. I got good reviews for the performance."
Srilekha also worked with a street theatre group but soon quit acting to prevent strain to her voice. "In those days there were no lapel mikes and we had to shout to communicate to the audience," she says.
She then focused on her singing career. "I started singing right from four years old," she says. "I had won first prize in Nehru Bal Mela in Delhi. I was crowned the Nightingale of Delhi Tamil Educational Association School when I was in the final year of my school." Her initial inspiration was her maternal grandfather P.S. Varadhachari, a retired principal of the Madura College who had done research in Physics and Music.
She cut her teeth on college cultural festivals, jingles, cover albums and wedding mehndi music and eventually came to Chennai in pursuit of greener pastures.
Her parents supported her, but she had no contacts in the business. "Those were tough days for me," she says. "I had nobody in the film industry to back me. Like a sales call, I get numbers of music directors from the directory. Fix a target every day, talk to them, fix up an appointment, wait for hours, meet the composer, give my demo CDs, get back and follow up. This routine went on for three years. But I am happy that nobody is responsible for my success today except my family members."
It was an ad jingle that put her in the public eye, she recalls, 'Dhinanthorum Vaanguveer Idhayam'.
"The ad featured Jothika, who was a popular actor, and it gave me enough confidence to do one more round of visits to the offices of music composers. It fetched me good results."
Her demo CDs reached composer Harris Jeyaraj, who was looking for a fresh voice for the movie Lesa, Lesa. She sang 'Edho ondru, edho ondru' in that movie. "The film took three years to hit the silver screen," she says. But when it was finally released, Srilekha became popular overnight. A string of successes followed with 'Vinodhane' for the movie Thennavan.
Yuvan Shankar Raja was the music composer for that movie and he gave her another offer to sing in Kurumbu.
She feels the duet with S.P. Balasubrahmanyam, 'Kadhalagi kanindhadhu...', for the movie Pop Corn has been her most challenging song. "I had to sing the lines in one breath," she says. "It was tough. I was struggling but he did it with ease. I watched him in awe. I practised a lot and finally it came out well. It was a tremendous satisfaction when S.P.B. sir appreciated my effort."
Srilekha is known in the industry as a natural singer. Her voice is original and she hates imitating. "You have to produce your own substance as it is important for your sustenance," she feels. "Only thing I am not sincere with is with my riyaz (practice)."
Srilekha believes people can be healed with music and she is working on a project to use music as therapy. "I have personally seen coma patients responding to music," she says. "I am planning to attempt a fusion with Hindustani classical music. I will be singing alaaps, mantras and keerthans to produce that healing effect on patients."
As she is into yoga and meditation, she also has plans to use the 'nadha aradhana' in yoga. "I don't do yoga as an exercise," she says.
"I plan to do yoga with music. After the asanas, the music will be played while cooling down the muscles. Basic idea is to re-energise people."
Having sung 80-odd songs in Tamil, Telugu and Malayam, and participated in over 600 concerts all over the world, Srilekha's dream now is to sing for Ilayaraja and A.R. Rahman.
Greatly impressed with the voice presence of Shankar Mahadevan, she also would like to perform a full-fledged stage show with him.
Keywords: Srilekha Parthasarathy, playback singer, film music


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Featured video and audio clips on Andre Iguodala brought to you by Boston's WEEI Sports Radio.
second-highest total in the voting. Williams appeared on 122 of 130 ballots, as Jamal Crawford (131 points), Andre Iguodala (100), Tristan Thompson (33), Nikola Mirotic (24), Marreese Speights (20), Corey Brewer (12), Manu
their lead by holding Golden State's frontcourt — Draymond Green, Harrison Barnes, Andrew Bogut , David Lee and Andre Iguodala — to combined 4-of-20 shooting in the opening 24 minutes. That's especially impressive considering the Celtics
just 33 percent from 3-point range. He's been slowed mainly by a string of tough matchups -- Joe Johnson , Andre Iguodala , LeBron James -- as well as a knee injury. But he's still scoring 20 points and night, and he's living at the free throw line
thought that was huge. It was a big step for him." Pierce fouled out with just over four minutes left and after Andre Iguodala hit a 3-pointer, their lead was down to three. That's when Rondo took over in a way that he rarely has before
Kevin Garnett , Paul Pierce , Ray Allen and Rajon Rondo are all bigger names than Philly's biggest and only one -- Andre Iguodala . And maybe it's just that these two teams are battling it out for the chance to be routinely dispatched
which was an indictment of his thin depth as well as a nod to their importance. Pierce had done what he can against Andre Iguodala , scoring 88 points in the last four games. He's lived at the free throw line, making 36 of is 40 free throws
varying views of the momentum-turning play. Sixer coach Doug Collins thought it was the two missed free throws from Andre Iguodala on a clear-path foul. Rivers thought it might have been an offensive foul call on Kevin Garnett that brought the crowd
of his 22-year NHL career 'NET RESULTS (mobile users, check the website to see the videos): Warriors guard Andre Iguodala shows off a nice crossover and behind-the-back pass to David Lee for a layup during Thursday's loss to the
Ronnie Price loses his sneaker, picks it up and throws it in an attempt to knock the ball away from Warriors guard Andre Iguodala , earning him a technical foul. Via MaxPreps, here are highlights of Logan Routt, a high school quarterback
3-pointer on the next possession, but he clanked the shot and Boston (13-24) dropped its 10th game in its last 11. Andre Iguodala paced the Warriors with 22 points, and dynamic guards Curry and Klay Thompson added 19 and 17 points, respectively
victory over the Flames on Thursday night 'NET RESULTS (mobile users, check the website to see the videos): Andre Iguodala hits a 3-pointer at the buzzer to give the Warriors a win over the Thunder , who had gone ahead on a Russell
D wight Howard , Andre Iguodala and Andrew Bynum were the three big names involved in a blockbuster four-team trade in August of 2012. Both Howard and Iguodala


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I think Hillary Clinton deleted all the emails from her server pertaining to deflategate.hobbes27 05-25-2015 01:33 AM
https://www.youtube.com/watch?t=26&v=LgmbvhqtmuAPatrick Sullivan 05-24-2015 10:23 AM
This is you and me versus most NFL regular seasons, I think.Matt Kocsan 05-23-2015 05:20 PM
Uniform basis, huh?
https://www.youtube.com/watch?v=GhnLZ3RyccgPatrick Sullivan 05-20-2015 10:07 AM
Brauneyz vs. The NFL Off-Season:
Well, OK then...
So much for that discussion on confirmation bias and all that.
F Robert Kraft! F Fraudger GODdell! F the NFL!
There, that's my contribution for 2015. ...
Looks like the Patriots' penalties will stand. So its only a matter of whether Brady's suspension...hobbes27 05-19-2015 02:04 PM
As I said in the weekly thread, this guy has been a super fan for more than a quarter century. To see his fellow fans turn on him like that is pretty bad. I'm sure he's a self-promoter, but the culture stinks around some big teams. I imagine alcohol plays a part in all of this, too.
The contrast with soccer fans in England is interesting. By and large, over there they have a code of not booing the team. So it follows that they wouldn't constantly berate a fellow fan.
I think this is news, in that it is another example of our society going downhill. Something I noticed before I stopped attending Bengals games was how much crowd behavior had spiraled downward.
For example; as a kid when Cleveland was the opponent I always remembered hearing some very colorful language in the mens room. I'd smile because that was the only place I'd usually hear it and as a kid when you think you're getting away with something you like it. Now you hear the same foul language in the seating bowl. And though it is a reflection of society in general, that does not make it a good thing.
Seeing what to me in some ways is the face of Jets fans, and a Fireman at that, being attacked is a pretty sad commentary. If he was standing and leading the cheer during plays I can understand others want him to stop because he would be blocking their view,though I don't think he ever did that.
To attack any fan because of the jersey they are wearing, what is wrong with people?
Have I ever laughed at someone because of the jersey they had on? Absolutely. Though I never confronted them about it or tried to make it an issue.
wax's comment about soccer is interesting. A sport that at times has to deal w/ jerkwad hooligans, but even they have the common sense not to atttack fans of the same team.
I, personally, do not need cutaway shots of Fireman Ed every couple of minutes during a broadcast of a Jets home game, which is often what I get. I've never met the guy, but he's basically the NFL fan equivalent of 'famous for being famous.' I do not understand at all his relationship to the team or his role in the organization, if there is an official one--and I'm not saying he's paid, but it looks like the Jets built some sort of perch at the stadium from which to lead cheers, or something? So, he's just a (very visible) fan who announces his retirement (from...something) in an op-ed in a giveaway paper (a venue which I think probably more accurately reflects his actual significance). That's...fine, I guess.
I'm all for passionate fans, but I'm with Pruitt. I would hate sitting near him. I can enjoy being surrounded by raving lunatics or I can watch the game with calmer, more rational people, but being near one Fireman Ed would drive me insane. It sounds weird, but I know I would hate that guy.
I have to admit that, to me, as much as I respect Ed for being a great fan, it made my week even better to know my team broke the Jets, the crowd, and the most famous Jets fan of all - except Namath - in a 57 second timeframe on national tv.
Maybe that makes me evil, and if so I accept it. After all, I do root for Darth Hoody!
I don't care about Ed.
But wax brought up a fine point. Fans don't boo their own teams in soccer. But they do get into it with other fans (that will always happen).
By the way, you have very few incidents in the NFL considering the amount of booze been consumed. I shudder to think what it would be like in Chile.


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From the Publisher"The discussion of societal, legal, economic, and governmental issues go well beyond the sphere of pharmogenomics." (American Journal for Medical Genetics, September 1, 2005)
"...indispensable guide...as timely as it can be...an impressive multidisciplinary analysis...a 'must read'..." (Bioethics, Vol 18(4), August 2004)
"…Pharmacogenomics is highly recommended for anyone with an interest in the field…. Given this book's uniqueness…libraries at any institution teaching pharmcogenomics should have a copy of this book." (Journal of Pharmacy Technology, Sept/Oct 2003)
"...well written, clear, and informative...a restrained sense of excitement...permeates throughout...clearly...a solid contribution to the discourse." (Nature Biotechnology, May 1, 2003)
"...chapters offer fascinating glimpses into fields that may not be familiar to geneticists, genomicists, or clinicians...they will be informative...and provide a reminder that many people outside this field are going to be paying a lot of attention as discoveries...are reported." (New England Journal of Medicine, July 24, 2003)
"...an excellent summary of aspects of phamacogenomics...a solid reference for those working in the field and a unique textbook for those new to the subject area." (Clinical Chemistry, Vol. 49, No. 9)
"...a welcome addition to the growing body of literature...highly recommended for anyone with an interest in the field...should be required reading for anyone conducting pharmacogenomic research and for all clinicians who use pharmacogenomics..." (Journal of Pharmacy Technology, Vol. 19September/October 2003)
"...addresses the ethical, legal, and social implications of the individualized medicine that pharmacogenomics stands to create..." (Genetic Engineering News, Vol 23(14), 2003)


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Showing 289-302 of 302 items found in Outdoors & Play
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Rickshaw Rick's Tours & Taxi
Let us save your soles today! We'll take you for a ride, give you a tour, provide shuttles for your party or even run errands with our fleet of pedicabs (aka bicycle rickshaws). Call us at 773-771-3922 or visit www.rickshawrick.com. Catch us at the Oak Park Visitors Center, Frank Lloyd Wright Home & Studio, Write Inn, Harvey House, Under the Ginkgo Tree B & B and other fun spots.
CITY:Oak Park
KidsWork Children's Museum
KidsWork is an interactive educational experience for ages 0-8. Two floors of exhibits including a theater, art room, tot spot, pet vet, dino dig and more! Visit the KidsWork website for events, programming and new exhibits!
Lan-Oak Park District
The Lan-Oak Park District manages 23 park sites, the Eisenhower Fitness & Community Center and the Pennsy Greenway (Bike Trail) which is part of the 475-mile Grand Illinois Trail.
Northwestern University
A Big Ten school and one of the leading universities in the U.S. Its Evanston campus is on the shores of beautiful Lake Michigan. Founded in 1851, this renowned educational institution is rich in stunning architecture. More than 150 historically significant and interesting sites on campus are featured in various walking tours, each taking approximately 30 minutes to complete. Highlights include the Arch, University Hall and the Arts Circle.
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Batavia Riverwalk
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Little Beans Cafe - Chicago
Little Beans is a family café and imaginative indoor playground for kids. Their café boasts a delicious assortment of coffee drinks and snacks where parents can enjoy the ambiance of our comfortable café with their tiny tots. At Little Beans, kids have the freedom to play, learn, imagine and create in their custom interactive indoor village and playground. They are truly a destination that is fun for the whole family.
Skokie's Backlot Bash
Skokie's downtown summer street festival is held annually over three days in late August featuring carnival rides, events for all ages and a concert stage with regional and national acts. Since its inception, Skokie's Backlot Bash has presented some of the nation's most eclectic Rock, Blues and R&B artists. This year includes Fabulous Thunderbirds, Pychedelic Furs and more!


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Motor City Casino
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Michigan Matters Exclusive! President Barack Obama is coming to the Motor City for a $1 million pizza party being thrown for him compliments of Denise Ilitch, daughter of Little Caesars' founders Mike and Marian Ilitch.
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Michiganders may soon have an opportunity to vote on whether they'd like eight more casinos to be built throughout the state.
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A group of women who were involved in a brawl at the Grand River Deli inside Detroit's MotorCity Casino have been banned from the building.
Sounds Like Love: Best Bets For Live Music On Valentine's Day In Detroit
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Best Casino Bars And Clubs Near Detroit
Winning spirits abound in several casino bars and clubs near Detroit. Among the best are Amnesia at the Motor City Casino, V Nightclub at the MGM Grand Detroit, The Colosseum at Caesars Windsor and O Zone at the Odawa Casino Resort.
Negotiation Deadline Extended For Casino Contract
A contract deadline has been extended for another 24 hours for Detroit's casinos and their employee unions.
Union Workers Contract With MotorCity Casino Hotel Extended
The contract between the union and the MotorCity Casino Hotel was extended for two days Sunday, just hours before it was set to expire.
'Freedom Weekend X' Shines National Spotlight On Detroit
Freedom Weekend X promises to be a Mega-Weekend of "Edu-tainment" with a full roster of activities that will appeal to all.
Dream Cruise To Lose Motor City Casino Sponsorship
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Best Ways To Spend Mother's Day In Detroit
If you are looking for a creative way to spend Mother's Day, you don't have to go much farther than Detroit.


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Our Mission: Santa Cruz Branch The Santa Cruz Community Credit Watsonville Branch 324 Front Street Union is a nonprofit financial 1428 Freedom Boulevard Santa Cruz, CA 95060 cooperative that promotes Watsonville, CA 95076 Phone: (831) 425-7708 Ext. 2304 economic justice. Phone: (831) 460-2233 Fax: (831) 425-4824 Fax: (831) 786-1979 CUSTOMER CHECKLIST FIRST TIME HOME BUYER PROGRAM WITH SOUTH COUNTY HOUSING/CALHOME DOWN-PAYMENT ASSISTANCE PROGRAM MOBILE HOMES/MANUFACTURED HOMES This checklist is for your convenience and to ensure that your application is complete. Please include the following items: □ Your complete and signed application □ Pre-qualification from the South County Housing □ Agreement of Sale for the property □ For Mobile Homes purchases, written park approval and a copy of the rental agreement which is to be executed prior to or at loan closing □ A check made payable to Santa Cruz Community Credit union for $30.00 (for a credit report) □ Copy of Trust Agreement (if property will be owned by a Trust) and/or a copy of Power of Attorney (if applicable) □ An appraisal will be required. An Appraisal fee will be paid to Santa Cruz Community Credit Union. The Credit Union will hire the appraiser and pay the fee directly (generally $350 to $400). □ Signed Real Estate Settlement Procedures Act (RESPA) Disclosures. Income Documentation (Please supply copies) Salaried Employees: □ Paycheck stubs for the last 30 days PLUS copies of the last three (3) years' Federal Tax Returns, including W-2 statements. Self-Employed and/or depending of rental income, interest income or commissions: □ The last three (3) years Federal Tax Returns (signed) including all schedules; □ The last three (3) years Business Federal Tax Returns (corporate, partnership or other entity) including profit and loss statements and K-1 statements. Retired: □ Social Security Award Letter □ Pension and/or Annuity Statement □ IRA, 401K or 403(B) Statement Santa Cruz Community Credit Union REAL STATE SETTLEMENT PROCEDURES ACT (RESPA) 1 of 8 CONSENT We hereby give our consent to have Santa Cruz Community Credit Union obtain any and all information concerning our employment, checking and/or savings accounts, obligations and all other credit matters which they may require in connection with our application for a loan. This form may be reproduced or photocopied and that copy shall be as effective consent as the original which we have signed. _______________________________________ ________________________________________ Signature Date Signature Date I hereby certify this to be a true and correct copy of the original. By: ___________________________________________ _______________________ SCCCU Representative Date Santa Cruz Community Credit Union REAL STATE SETTLEMENT PROCEDURES ACT (RESPA) 2 of 8 THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR LENDING NOTICE It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of: 1. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice: OR 2. Race, color, religion, sex, martial status, national origin, or ancestry. It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change or is expected to undergo change, in appraising a housing accommodation or in determining whether or not or under what terms and conditions to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of one to four unit family residences occupied by the owner and for the purpose of the home improvement of any one to four unit family residences. If you have any questions about your rights or if you wish to file a complaint, contact the management of this financial institution OR: State Credit Unions-Department of Financial Institutions Consumer Information Desk 1810 13th St Sacramento, CA 95814 (800) 622-0620 Equal Credit Opportunity Act The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on a basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program or because the applicant has in good faith exercised any right under the Consumer Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is Federal Trade Commission, Equal Credit Opportunity, and Washington, D.C. 20580. Fair Credit Reporting Act As part of processing your application for a real estate loan, we may request a consumer report bearing on your creditworthiness, credit standing, and credit capacity. This notice is given pursuant to the Fair Credit Reporting Act of 1970, Section 601 to Section 622, inclusive. You are entitled to such information within 60 days of written demand therefore made to the Credit Reporting Agency pursuant to Section 606 (b) of the Fair Credit Reporting Act. Acknowledgment of Receipt I/We have received of copy of this notice: _______________________________________ ________________________________________ Signature Date Signature Date Santa Cruz Community Credit Union REAL STATE SETTLEMENT PROCEDURES ACT (RESPA) 3 of 8 IMPORTANT TERMS OF OUR FIRST TIME HOME BUYER PROGRAM AVAILABILITY OF TERMS: All of the terms described below are subject to change. SECURITY INTEREST: The Credit Union will take a mortgage on your mobile home/manufacture home. You could lose your home if you do not meet the obligations in your agreement with the Credit Union. POSSIBLE ACTIONS: The Credit Union can require you to pay the entire outstanding balance in one payment, and charge you certain fees if: You engage in fraud or material misrepresentation in connection with the loan. You do not meet the repayment terms. Your action or inaction adversely affects the collateral or the Credit Unions rights in the collateral. FEES AND CHARGES: You will be responsible for paying for an independent appraisal by one of the appraisers from our approved list prior to approval. A park evaluation may also be required. You will also be responsible for payment of credit report fees. Appraisal Cost: approximately $400.00 (full appraisal) or $250.00 (drive-by appraisal) or, when appropriate, $25 for a property valuation. TAX DEDUCTIBILITY: You should consult a tax advisor regarding the deductibility of Interest and charges for the line. PROPERTY INSURANCE: You must carry insurance on the property that secures this plan. TYPES OF LOANS: 20 year Fixed or 20 year fixed rate amortized for 30 years rates available for Purchase 1st Mortgage. PROPERTY TYPE: Mobile Home/Manufacture Home must be sited in a Mobile Home Park (standard or Co-op) or owner occupied land. In the case of purchase, documentation shall show that the above condition shall be met upon completion of sale. LOAN LIMITS: Minimum Loan Amount: $20,000.00, Maximum Loan Amount: $250,000.00 MINIMUM DOWN PAYMENT/EQUITY: 10% cash contribution from borrower and remainder from CalHome Down-Payment assistance program (Silent 2nd DOT accruing at 3% simple interest; Due on sale) PURCHASE: 75% Up to 15 years old or newer (single, double & triple wide) OCCUPANCY: All units must be owner occupied. REFINANCES: Are Not Acceptable. PRE-PAYMENT PENALTIES: There are no pre-payment penalties. I acknowledge receipt a copy of Adjustable-Rate Mortgages Booklet and Mortgage Settlement Costs Booklet: _______________________________________ ________________________________________ Signature Date Signature Date Santa Cruz Community Credit Union REAL STATE SETTLEMENT PROCEDURES ACT (RESPA) 4 of 8 FORECLOSURE WARNING DISCLOSURE PLEASE READ VERY CAREFULLY * This line of credit is secured by your home * Failure to make your payments according to the Terms of this agreement may result in the loss of your home. _______________________________________ ________________________________________ Signature Date Signature Date Santa Cruz Community Credit Union REAL STATE SETTLEMENT PROCEDURES ACT (RESPA) 5 of 8 HAZARD INSURANCE DISCLOSURE You have applied for a loan or credit accommodation that will be secured by real property. As a condition of the loan or credit accommodation, SCCCU requires you to maintain hazard insurance coverage for the real property, including any risks to the improvements on the property. However, you are not required to provide hazard insurance in an amount exceeding the replacement value of the improvements on the property. HAZARD INSURANCE REQUIREMENTS 1. The Original Insurance policy must be provided on or before the day the loan is to fund. Premiums should be paid in escrow or you must furnish us with a paid receipt. NOTE: BINDERS ARE ACCEPTABLE 2. The insurance policy is required to have the Lenders Loss Payable Form No. 438-BFU. Have your agent contact the escrow company for instructions. 3. The insurance company must be California licensed with an A rating in the current Best's Insurance Guide. 4. We, the lender, require the very minimum amount of insurance coverage to be at least equal to the loan amount or replacement cost, whichever is less. Please consult with your insurance agent to determine adequate insurance limits. 5. We will contact you if Flood Insurance will be required. 6. Renewal Procedures: Original renewal policies or continuation certificates are to be furnished at least fifteen (15) days in advance of renewal date, accompanied by premium billings for those loans which include impounds for insurance. HAZARD INSURANCE AUTHORIZATION I have read and understand these hazard insurance requirements. I agree to abide by these requirements. I acknowledge responsibility to: A) Provide, at my expense, fire insurance and other types of hazard insurance as may be required by the lender. This acknowledgment does not limit the terms and conditions of the Deed of Trust that secures or will secure the loan applied for. B) To continue to maintain such insurance without lapse of coverage throughout the life of the loan. C) To deliver such prepaid insurance policies to my escrow company on or before the day when the loan is ready to fund. _______________________________________ ________________________________________ Signature Date Signature Date Santa Cruz Community Credit Union REAL STATE SETTLEMENT PROCEDURES ACT (RESPA) 6 of 8 RIGHT TO RECEIVE A COPY OF AN APPRAISAL DISCLOSURE You have the right to copy of the appraisal report used in connection with your application for credit. If you wish to have a copy, please write to us at the following mailing address: Santa Cruz Community Credit Union P.O. Box 1877 Santa Cruz, CA 95061 We must hear from you no later than ninety (90) days after we notify you about the action taken on your credit application or no later than (90) days after you withdraw your application. Upon your request, the appraisal report will be sent to: ._______________________________ ._______________________________ Providing the following information will assist us in scheduling a timely appraisal. Property address: For access to property call: _________________________________ Residence: (_____) ____________________ _________________________________ Business: (_____) ____________________ _________________________________ Cell: (_____) ____________________ APPLICANT ACKNOWLEDGMENT I/We acknowledge that I/We have received a copy of this Disclosure of Right to Receive a Copy of an Appraisal. _______________________________________ ________________________________________ Signature Date Signature Date Santa Cruz Community Credit Union REAL STATE SETTLEMENT PROCEDURES ACT (RESPA) 7 of 8 RESPA SERVICING DISCLOSURE STATEMENT NOTICE TO MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED. FEDERAL LAW GIVES YOU CERTAIN RIGHTS. READ THIS STATEMENT AND SIGN IT ONLY IF YOU UNDERSTAND ITS CONTENTS. Because you are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. §2601 et seq.) You have certain rights under that federal law. This statement tells you about those rights. It also tells you what the chances are that the servicing for this loan may be transferred to a different loan servicer. "Servicing" refers to collecting your principal, interest and escrow account payments. If your loan servicer changes, there are certain procedures that must be followed. This statement generally explains those procedures. Transfer practices and requirements If the servicing of your loan is assigned, sold, or transferred to a new servicer, you must be given written notice of that transfer. The present loan servicer must send you notice in writing of the assignment, sale or transfer of the servicing not less than 15 days before the date of the transfer. The new loan servicer must also send you notice within 15 days after the date of the transfer. Also, a notice of prospective transfer may be provided to you at settlement (when the title to your new property is transferred to you) to satisfy these requirements. The law allows a delay in the time (not more than 30 days after a transfer) for servicers to notify you under certain limited circumstances, when your servicer is changed abruptly. This exception applies only if your servicer is fired for cause, is in bankruptcy proceedings, or is involved in a conservatorship or receivership initiated by a Federal agency. Notices must contain certain information. They must contain the effective date of the transfer of the servicing of your loan to the new servicer, the name, address, and toll-free or collect call telephone number of the new servicer, and toll-free or collect call telephone numbers of a person or department for both your present servicer and your new servicer to answer your questions about the transfer of servicing. During the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer before its due date may not be treated by the new loan servicer as late, and a late fee may not be imposed on you. Complaint Resolution Section 6 of RESPA (12 U.S.C. §2605) gives you certain rights, whether or not your loan servicing is transferred. If you send a "qualified written request" to your loan servicer concerning the servicing of your loan, your servicer must provide your with a written acknowledgment within 20 business days of receipt of your request. A "qualified written request" is a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, which includes your name and account number, and your reasons for the request. Not later than 60 business days after receiving your request, your servicer must make any appropriate corrections to your account, and must provide you with a written clarification regarding any dispute. During the 60-day period, your servicer may not provide information to a consumer reporting agency concerning any overdue payment related to such period of qualified written request. Damages and Costs Section 6 of RESPA also provides for damages and costs for individuals or classes of individuals in circumstances where servicers are shown to have violated the requirements of that Section. Servicing Transfer Estimates by Original Lender The following is the best estimate of what will happen to the servicing of your mortgage loan: 1. __ We do not service mortgage loans. We intend to assign, sell, or transfer the servicing of your loan to another party. You will be notified at settlement regarding the servicer. OR 2. _X We are able to service this loan and presently intend to do so. However, that may change in the future. For all the loans that we make in the 12-month period after your loan is funded, we estimate that the chances that we will transfer the servicing of those loans is between: _X_ 0 to 25% _____ 26 to 50% _____ 51 to 75% _____ 76 to 100% This is only our best estimate and it is not binding. Business conditions or other circumstances may affect our future transferring decisions. 3. This is our record of transferring the servicing of the loans we have made in the past: Year Percentage of Loans Transferred (Rounded to nearest quarter - 0%, 25%, 50%, 75% or 100%) 2006 0.00% 2007 0.00 % 2008 0.00 % The estimates in 2 and 3 above do not include transfers to affiliates or subsidiaries. If the servicing of your loan is transferred to an affiliate or subsidiary in the future, you will be notified in accordance with RESPA. ______________ _______________________________________ DATE LENDER (Signature Not Mandatory) INSTRUCTIONS TO PREPARER: For applications received in calendar year 2006 after the effective date of this Notice, the information in 2. above will be for calendar year 2006 only; for applications received in 2007, this information will be for calendar years 2006 and 2007; and for applications received in 2008 and thereafter, this information will be for the previous three calendar years. ACKNOWLEDGMENT OF MORTGAGE LOAN APPLICANT I/We have read this disclosure form, and understand its contents, as evidenced by my/our signature(s) below. I/We understand that this acknowledgment is a required part of the mortgage loan application. _______________________________________ ________________________________________ Signature Date Signature Date Santa Cruz Community Credit Union REAL STATE SETTLEMENT PROCEDURES ACT (RESPA) 8 of 8
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Bankruptcy in the pulp and paper industry: market's reaction and prediction
- Chun-Yu Ho,
- Patrick McCarthy,
- Yi Yang,
- Xuan Ye
- … show all 4 hide
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This paper examines North American pulp and paper company bankruptcies that occurred between 1990 and 2009. We demonstrate that shareholders suffer substantial losses (37 %) during the month a bankruptcy occurs. Encouragingly, we show that financial ratios are useful in predicting firm failure and that failed firms are less profitable, more liquidity constrained and higher in debt leverage. Using a binary logit model in the spirit of Ohlson (J Acc Res, 19, 109–131, 1980), we predict financial distress for pulp and paper firms 1 to 2 years ahead of the bankruptcy. We also adapt and re-estimate the empirical model on a sample of pulp and paper firms and perform in-sample and out-of-sample forecasts. For the out-of-sample analysis, our re-estimated Ohlson models correctly predict 93 % of bankruptcy and non-bankruptcy outcomes.
- Altman, E (1968) Financial ratios, discriminant analysis and the prediction of corporate bankruptcy. J Finance 23: pp. 589-609 CrossRef
- Aivazian, VA, Callen, etJL (1983) Reorganization in bankruptcy and the issue of strategic risk. J Bank Finance 7: pp. 119-133 CrossRef
- Begley, J, Ming, J, Watts, S (1986) Bankruptcy classification errors in the 1980s: an empirical analysis of Altman's and Ohlson's models. Rev Acc Stud 1: pp. 267-284 CrossRef
- Beaver, W (1966) Financial ratios as predictors of bankruptcy. J Acc Res 6: pp. 71-102 CrossRef
- Beaver, W (1968) Market prices, financial ratios, and the prediction of failure. J Acc Res 8: pp. 179-192 CrossRef
- Boritz J (1991) The "Going Concern" assumption: accounting and auditing implications. research report. Canadian Institute of Chartered Accountants (CICA), Toronto
- Bulow, J, Shoven, J (1978) The bankruptcy decision. Bell J Econ 9: pp. 437-456 CrossRef
- Clark, TA, Weinstein, MI (1983) The behavior of the common stock of bankrupt firms. J Finance 38: pp. 489-504 CrossRef
- Esteve-Pérez, S, Sanchis-Llopis, A, Sanchis-Llopis, JA (2010) A competing risks analysis of firms' exit. Empir Econ 38: pp. 281-304 CrossRef
- Hamer, M (1983) Failure prediction: sensitivity of classification accuracy to alternative statistical methods and variable sets. J Acc Public Policy 2: pp. 289-307 CrossRef
- Hillegeist, S, Keating, E, Cram, D, Lundstedt, K (2004) Assessing the probability of bankruptcy. Rev Acc Stud 9: pp. 5-34 CrossRef
- Ivashina, V, Scharfstein, D (2008) Bank lending during the financial crisis of 2008. J Financ Econ 97: pp. 319-338 CrossRef
- Lang, LHP, Stulz, RM (1992) Contagion and competitive intra-industry effects of bankruptcy announcements. J Financ Econ 32: pp. 45-60 CrossRef
- Li, X, Buongiorno, J, Ince, PJ (2004) Effects of size and age on the survival and growth of pulp and paper mills. J For Econ 10: pp. 3-19
- MacKinlay, AC (1997) Event studies in economics and finance. J Econ Lit 35: pp. 13-39
- Maddala, GS (1983) Limited-dependent and qualitative variables in econometrics. Cambridge University Press, New York CrossRef
- McCarthy, P, Lei, L (2010) Regional demands for pulp and paper products. J For Econ 16: pp. 127-144
- Mei, B, Sun, C (2008) Event analysis of the impact of mergers and acquisitions on the financial performance of the U.S. forest products industry. For Policy Econ 10: pp. 286-294 CrossRef
- Myers, S (1977) Determinants of corporate borrowing. J Financ Econ 5: pp. 147-175 CrossRef
- Niquidet, K (2008) Revitalized? An event study of forest policy reform in British Columbia. J For Econ 14: pp. 227-241
- Ohanian, NK (1994) Vertical integration in the U.S. pulp and paper industry, 1900–1940. Rev Econ Stat 76: pp. 202-207 CrossRef
- Ohlson, J (1980) Financial ratios and the probabilistic prediction of bankruptcy. J Acc Res 19: pp. 109-131 CrossRef
- Pesendorfer, M (2003) Horizontal mergers in the paper industry. Rand J Econ 34: pp. 495-515 CrossRef
- Santos, J (2010) Bank corporate loan pricing following the subprime crisis. Rev Financ Stud 24: pp. 1916-1943 CrossRef
- Sun, C (2006) Lifetimes of US paper and allied products mills: insights from a duration analysis. South J App For 30: pp. 5-12
- White M (1984) Bankruptcy, liquidation, and reorganization. In: Loque D (ed) Handbook of modern finance, chap 35. Warren, Gorham & Lamont, Boston, MA, pp 1–49
- Title
- Bankruptcy in the pulp and paper industry: market's reaction and prediction
- Journal
Empirical Economics
Volume 45, Issue 3 , pp 1205-1232
- Cover Date
- 2013-12-01
- 10.1007/s00181-012-0661-6
- Print ISSN
- 0377-7332
- Online ISSN
- 1435-8921
- Publisher
- Springer Berlin Heidelberg
- Additional Links
- Topics
- Keywords
- Forest Products
- Pulp and Paper
- Industry studies
- Bankruptcy
- Corporate finance
- Industry Sectors
- Authors
- Chun-Yu Ho (1)
- Patrick McCarthy (2)
- Yi Yang (3)
- Xuan Ye (4)
- Author Affiliations
- 1. School of Economics, Antai College of Economics and Management, Shanghai Jiao Tong University, Shanghai, 200052, People's Republic of China
- 2. School of Economics and the Center for Paper Business and Industry Studies (CPBIS), Ga Tech, Atlanta, GA, 30332, USA
- 3. Capital One, McLean, VA, 22102, USA
- 4. Stern School of Business, New York University, New York, 10012, USA