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I have lived here since November 2014. I never had any complaints about noise or parking from my apartment. The maintenance team is horrible! My place came with a washer/dryer (all in one) it never worked from the first time I… Full Review ▶
Don't move here they like to enter your apartment without the courtesy of prior knowledge beforehand. Then when people began to change locks due to the uncertainty of who may come in and out on any given day, they send out… Full Review ▶
a murderer lives here. they wont let some ppl in but they will let a murderer live here. this is y i left in jan last yr Full Review ▶
I would like to say that, honestly, this complex gave me an ideal living experience. Being a college student and living alone for the first time is difficult in itself, but the staff at York Towne really did make it a… Full Review ▶
DO NOT MOVE HERE!!!!! Do not let the new paint on the outside fool you! It's still the same old appliances that are not energy efficient. The carpet is terrible! The worst part is the crime along with the break ends!… Full Review ▶
What a GREAT place! I viewed their two bedroom town homes and LOVED it! Paul was so VERY helpful, nice, and he made it an easy choice to go with York Towne. He made me feel wanted and like the world… Full Review ▶
What a great place to live Jen and Paul are great!!!! They made my move in way better then any other place I have ever lived. I highly recommend you move here. The move in process was quick and painless and… Full Review ▶
I recently moved in at the end of May 2013. I am very pleased on how it is going to so far. The application process was very smooth and they had everything in order in a timely manner. The staff is… Full Review ▶
So, i have moved to just about EVERY apartment..... complex in greensboro/High point area..and this one by FAR IS THE BEST!! The staff is awesome, they work with you if you are late for payments (sometimes we get into a jam,… Full Review ▶
I have lived at the York Towne Apartments for a little over seven months and I have been very impressed with the quality of the apartments as well as the professionalism of the staff. The staff are always pleasant to interact… Full Review ▶
This is not the place anyone wants to live as I found out once I moved here. There are so many things in the apartment that broke down and if you want to deal with that all the time then this… Full Review ▶
YorkTowne Apartments is a place I would call home!! The management staff is very compassionate, efficient, and courteous at all times. In addition, the manager is inviting and welcoming which helps you to feel comfortable and at ease. The maintenance staff… Full Review ▶
I have been living here at York Towne Apartments for 9 years going on 10. I never had an bad experience during my 9 years tender. The Staff and Maintenance workers are very nice and friendly. They also will take care… Full Review ▶
Unfortunately there is a lack in customer service everywhere, however, there is a sub-par level of customer service and living accommodations at this place. I am a resident who has lived in many other cities prior to Greensboro during my military… Full Review ▶
Don't be fooled. The office staff is alright but definitely not great. The manager (Jennifer) can be rude at times in her approach to residents. I have encountered a smug attitude from her a few times and I have also witnessed… Full Review ▶
If we didn't have to move due to military orders, we would stay here! The manager is awesome and understanding/caring. The 3 bedroom townhome we had/have is very roomy for my family of 4 plus two dogs. Maintenance is always available… Full Review ▶
We recently rented a 3 bedroom townhouse at York Towne and many of the older reviews on this site kept me hestiate, but boy am I glad that we chose this community. It is an older community, but the premises are… Full Review ▶
I have lived at York Towne for about 6 years. I love the space that I have w/my three kids. You cannot find another complex that has the space for a better price. Every requests or maintenance need I have called… Full Review ▶
I've been living in York Town for almost 3 years and I love it. It has a great staff working in the office and i feel safe at all times... Ever since Jennifer has taking over this apartment complex has done… Full Review ▶
My wife and I have lived at York Towne Community since July 4, 1997. It is a great place to live. There is a friendly atmosphere in the community, it is safe, and has lots of room for kids to play.… Full Review ▶
MANAGEMENT SENT OUT A MEMO STATING THE KIDS ARE NOT ALLOWED TO PLAY IN THE FRONT OF THE APARTMENT. THEY ARE ONLY ALLOWED TO PLAY IN THE BACKYARD. MANY KIDS HAVE BIKES AND SCOOTERS TO RIDE. WHEN -------- WAS ADDRESSED WITH… Full Review ▶
I put in a application. They kepy calling me, every time i called them back, they were always away for lunch or too busy to talk. then when i did get them on the phone. They asked me for the number… Full Review ▶
I've lived here for about 2 1/2 years. When I first moved here, it was a little noisy, but after I was here for awhile, things calmed down alot, and they are still calm. I was very happy living here until… Full Review ▶
I lived here for 5 years, and i watched this place go wayyyyy down. to keep this short. it is overrun by students or people who just dont care, you will hear music through your walls at all times of the… Full Review ▶
I've lived in York Towne for 3yrs now and I have never had a problem with any of the office staff and ------ is not rude,but she is one of those managers that will put her foot down if she needs… Full Review ▶
This is going on my 4th year at Yorktowne, and I'm staying there because it was my first apartment from when I was a junior in college. It was actually ok at first, but as time goes on, it gets worse.… Full Review ▶
York Towne really got me for a min and my parents the first yr I lived there. Going into my second year I cant stand this damn place ------ is the rudest woman I have ever met and I cant wait… Full Review ▶
I lived there for about 2.5 years and never had a problem with bugs or any other type of pest. Only negative thing that did arise was that people would park in my spot from time to time in which it… Full Review ▶
I have lived here for nine months now and I have hated just about every minute. The manager ------ is one of the rudest people I have every come across and recently see hired a mini------- to work the front dest.… Full Review ▶
I have been living here in yorke towne for 7 months and when that 9 month mark hits- I am GONE! I've lived in a couple of apartment complexes and None have been as bad as this. The walls are PAPER… Full Review ▶
The place is old yeah and there all plenty of small spiders in every corner of the house, but the carpet is nice!? And yeah maintenance is slow and the circuitbreaker cannot handle modern electronics but the parking is okay?! Well… Full Review ▶
This apartment is one of the worst by far. First the apartments were built who knows how many years ago but you won't know that by the outside looks. The parking is horrible. You might come home and even though your… Full Review ▶
1st apartment on my own, loved it! Wouldn't live there if didn't have to Full Review ▶
We lived there for six months and loved it, and we had friends who lived there for three years and loved it. Lots of space for the money, friendly folks who responded to our requests. Nice neighbors. So we don´t make… Full Review ▶
I currently live here and when my lease is up hopefully before my lease is up, I am running. First of all when you sign your year lease, you don´t get the full year.
Second of all this place is the… Full Review ▶
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Cats Allowed
Small Dogs Allowed
Large Dogs Allowed
Pet Deposit Required
Pet Rent Required
Some Breeds Restricted
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Police kill mountain lion found at Rapid City, S.D., home
June 24, 2012 at 7:07 pm in Grand Forks Herald
A mountain lion has been put down after injuring a family pet in Rapid City, S.D. It's the second cougar shot in town by Rapid City police in eight days. Continue Reading

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Root Catalog
AirFree P1000 Air Sterilizer$219.00
Here's a natural solution to asthma, respiratory allergies and mold that you have been battling all these years. Airfree P1000 Air Sterilizer works by destroying microorganisms at its heated capillaries, it ceramic core uses air convection to destroy micro organisms at very high temperatures. Because it uses heat to purify air, there are no side effects or dangerous emissions that you need to be worried about. Designed for rooms up to 450 sq. ft. (42m²), Airfree P1000 can be used in air conditioned rooms and it is also recommended that you leave it on even when you leave your home. Airfree's sterilization process is natural so you are assured that this is the most natural means to combat all the allergens in your home and reduce the incidence of allergies among your family members.
How would you like to replicate nature's purifying process using technology? You can clean the air in your home effectively with the help of air sterilizers. That means you can assure a clean, fresh and healthy environment for you and your loved ones. It has been recognized that hot air sterilizers ensure the complete destruction of bacteria, viruses and fungi, so if you are looking for one that you can use in your home, login to GoVacuum.com. Usage is simple as all you need to do is simply place your instruments inside your room, and it will get to work to clean the air in your room. Compare reviews and prices of the Airfree brand of air sterilizers and find quality products at great prices online.
Product Features: • 450 sq. ft of air purification and bacteria removal • Electric consumption: 45W • Voltage: 120V • Completely silent
Airfree P3000 Air Sterilizer$299.00Airfree is the right solution for allergy and asthma suffers. It is also highly indicated for mold problems. This is the air purifier which uses heated air to destroy airborne mold, bacteria, viruses, dust mites, and pollens. Unlike commonly available ion Learn More
Airfree Platinum P2000 Air Sterilizer$269.00Airfree is the right solution for allergy and asthma suffers. It is also highly indicated for mold problems. This is the air purifier which uses heated air to destroy airborne mold, bacteria, viruses, dust mites, and pollens. Unlike commonly available ion Learn More
Airfree Onix 3000 Air Purifier$299.00Airfree Onix 3000 Air Purifier Learn More
AirFree P-1000 Air Sterilizer and Purifier Air Filter - Ionic free + Ozone Free$438.00AirFree P-1000 Air Sterilizer and Purifier Air Filter - Ionic free & Ozone FreeThe AirFree P-1000 Air Sterilizer and Purifier Air Filter uses heated air to destroy airborne mold, bacteria, viruses, dust mites, and pollens. Unlike commonly available ionic units, it does not produce harmfully elevated ozone levels; it also reduces existing indoor ozone, which the EPA indicates can be a serious respiratory irritant and asthma trigger. With no filters to replace or clean, the compact cleaner pulls air into the internal chamber which is heated to 400F to silently destroy airborne mold, bacteria, viruses, pet dander, pollen and common household dust mites in a room up to 450 sq. ft.. Despite its high internal heat level, the purifier will not change the room temperature. For the highest level of air purification, it is recommended for use 24-hours a day, every day, yet it draws less power than a 60-watt light bulb. A soothing adjustable night light is built in. 10 1/2" H x 8 1/2" Diam. (2 1/2 lbs.)Independent TestsRemember, don't just take our word for it. Airfree offers copies of independent tests in real working conditions, assuring Airfrees outstanding efficiency in drastically reducing airborne microorganisms. On top of this there are dozens of testimonials from delighted users.So, before you buy your next air cleaner, ask yourself the following questions and find out why Airfree is the best option:1. Does the manufacturer have independent tests to prove their claims?2. Does the air purifier generate ozone? Is it safe?3. How does it purify the air?4. How much will it cost to run? What about hidden costs?5. Is it noisy?6. Is the technology clean and environmentally friendly?7. What about size and portability?8. How long does the warranty last? Learn More
AirFree P1000 Air Purifier$219.00AirFree P1000 Air Purifier Learn More
Airfree P-2000 Filterless Silent Air Purifier - 550 Sq Feet$269.00Airfree P-2000 Filterless Silent Air Purifier - 550 Sq Feet Learn More
AirFree Fit Wall Mounted Home Air Sanitizer Purifier$169.00AirFree Fit Wall Mounted Home Air Sanitizer Purifier Learn More
AirFree Home Desk Room Air Sanitizer Purifier$159.00The Airfree T800 uses the same technology as other Airfree models but made to fit smaller spaces. The Airfree T800 measures 6.1"W x 3.5"D x 11.8"H and can virtually be placed anywhere. Uses 110V electricity and covers 180 sq. ft. Airfree has the only technology that safely destroys airborne allergens, mold spores, mildew, dust mite allergens, viruses, bacteria and pet dander. It does not use harmful emission such as UV light or ozone. It uses heat instead with no noticeable heat contribution to the room temperature. Airflow is quietly achieved through air convection generated by Airfree's patented Thermodynamic Sterilizing System (TSS) that sterilizes air at high temperatures. Cooler air is then continuously drawn into the Airfree. No moving parts, no noise and best of all, no maintenance! Two-year warranty. Learn More
Hayden SV5000 Super Vac 5000$529.95p>Hayden has emerged as the leader in manufacturing of central vacuum systems and their SuperVac Power Units boast of improved filter systems and quieter operation. The Hayden SV5000 is designed for homes that are less than 5,000 square feet. The SuperVac's cyclonic separator cone and a high efficiency cloth filter is what separates dirt from the air with maximum efficiency. The top section self contains the heavy duty bypass motor and its overall design and power provides sustained cleaning power, and easy maintenance. Its dirt receptacle needs to be replaced 2-3 times every year.
Just as central heating and air conditioning systems have gained prominence over the years, the usage of central vacuum cleaners have increased too, mainly because they are convenient to use, easy to install and there are no messy bags to deal with. They even increase the value of your home. The central vacuum unit, pipes and inlets, and vacuum hose and accessories are the various parts of the central vacuum system. If you want to find one for your home, please browse through the products on offer at GoVacuum.com. The site features a number of central vacuuming systems and also spares and replacement parts for your existing vacuum cleaning system.
Product Features: • 550 Air Watt • 128" Maximum Vacuum (Water Lift) • 114 CFM Maximum Air Flow • Self-Cleaning Cloth + Paper Bag for filtration • Recommended for homes less than 5,000 square feet
Hayden 6000T Tall Boy Kit$795.95Specifications: For homes up to 12,000 sq. Ft. 30' gray wire reinforced super pack with new swivel handle and universal Cuff 3 inlet kit including 2 stop Couplings, 2 sweep 90˚ ells, 1 short 90˚ ell, 1 sweep 90˚ ell 8 Learn More
Hayden 7000 Super Vac SV7000$599.95Hayden 7000 SuperVac SV700 Learn More
Hayden SuperVac Premier Central Vacuum Unit$428.94The SuperVac Premier uses the largest vacuum motor designed to run on regular household current. This powerful unit has the strength to perform with optimal efficiency in any size home. The Premier also comes with the most advanced vacuum filter, the washable cartridge filter. Features 10 Year Warranty VacTracktrade; included SoftStarttrade; included 568 Air watts 103 C.F.M. airflow 147quot; Waterlift 18L dirt Capacity Cyclonic and cartridge filtration Washable filter included Learn More
Hayden SuperVac 9000 Central Vacuum Unit with Attachment Kit$709.95The SuperVac Premier uses the largest vacuum motor designed to run on regular household current. This powerful unit has the strength to perform with optimal efficiency in any size home. The Premier also comes with the most advanced vacuum filter, the wash Learn More
Hayden 793375W 3 Inlet Super Valve Central Vacuum Installation Kit$69.99Hayden central vacuum installation kit for 3 inlets. Great for new installation and retrofitting homes. Comes with all fittings, wire, and glue needed for installation. Learn More
Hayden 804336RV 35Ft Ivory Hose with Pigtail$199.95Hayden 35 ft ivory wire reinforced with pigtail central vacuum hose part # 804336RV. This Hayden 35foot cvac hose will work with any system such as Beam, Nutone, Vacuflo, etc. Learn More
Hayden 35ft Burgundy Hose Sock$29.95Hayden's 35 foot hose sock with zipper in burgundy. This hose sock is made for any central vacuum hose. Part # 801451BG35V Learn More
Hayden 3 Standard Inlet Installation Kit 793317W$79.99This is the Hayden 3 Inlet Installation Kit. all three inlets are standard and do not carry high voltage. 793317W Learn More
Hayden Universal 30ft Central Vacuum Kit 805830GHRK$499.99This is a OEM Hayden Universal Central Vacuum Kit. Comes with a 30ft Central Vacuum hose with Pigtail or Direct Connect. Part number 805830GHRK Learn More
Hayden Model HA-6000T Central Vacuum Cleaner Canister Kit$795.3710 Year Warranty/484 Air Watts/137" Water Lift/100 cfm Air Flow/Capacity 18L/Cyclonic Separation Primary Filtration/Cartridge Filter Secondary Filtration/No Bags To Buy/Ametek Motor/Injection Molded Canister/For Homes Up To 12000 SQ FT/12 AMP 2 Stage 7.2" Motor/LED On/Off Display With Vactrack Electronic Control/30' Gray Wire Reinforced Superpack With New Swivel Hose Handle And Universal Cuff/3 Inlet Kit Includes: 2 Stop Couplings, 2 Sweep 90 Degree Ells, 1 Short 90 Degree Ell, 1 Sweep 90 Degree Ell, 80 Ft Of Pipe, 1 Vac Sock, 1 Exhaust Muffler, 1 Vent Cap, 1 Vacusweep Dust Pan Learn More
Hayden Central SuperVav TM 7000, 07-4123-04$795.35Works with: Hayden HA-SV70, Hayden SV7000, Hayden 07-4123-04 Learn More
Hayden Central Vac Filter Retainer / Gasket$18.73Hayden Central Vac Filter Retainer with foam gasket. Holds the Hayden central vac filter in place. Foam side of retainer helps seal out leaks. Retainer is not threaded and is for central vac units made before October 2003. Measures about 4 7/8 inches in diameter. Genuine Hayden central vac part. Learn More
Hayden Super Vac Model HA-7000 Central Vacuum Cleaner Canister$599.35For Homes Up To 12,000 SQ Ft/13 AMP 3 Stage 7.2 Motor/147" Water Lift/103 CFM/LED On-Off Display With Vactrack Electronic Control/Cyclonic Cartridge Filtration/10 Year Warranty Learn More
Hayden Central Vac Cartridge Filter - Genuine$51.97Hayden Central Vac Cartridge Filter fits SuperVac SV2400BU, SuperVac 3600, SuperVac 6000 and SuperVac Premier 9000 models. Measures 5 1/2 inches tall and 7 inches across. Genuine Hayden part. Learn More
Hayden Central Vacuum Attachment Kit BI-5729 CENTRAL VAC ATTACHMENT KIT$468.99Works With: Hayden BI-5729 Description:* 30ft Crush Proof Electric Direct Connect Hose with SuperHose orthopedic handle * 14 full-width Cleaning Electric Power Head with easy-step 4-position height adjustment, furniture guard, high intensity light * (2) Metal Wands * Bare Floor Brush * Upholstery Tool * Dusting Brush * Crevice Tool * Clip On Tool Caddy * Crevice Tool Bag * Hose hanger BI-5729 Learn More
Hayden 805830GUVDC 30ft Direct Connect CrushProof Hose$199.99Hayden 805830GUVDC 30ft Direct Connect CrushProof Hose Learn More
Hayden 818744MTMH Washable Filter Fits SV7000 & SV9000 Central Vacuum Cleaning Systems$80.00Hayden 818744MTMH Washable Filter Fits SV7000 & SV9000 Central Vacuum Cleaning Systems Learn More
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The application period for School of Urban and Public Affairs scholarships for Academic Year 2013-2014 has ended. To learn more about SUPA Scholarships, visit the Scholarships page.
SCHOOL OF URBAN AND PUBLIC AFFAIRS (SUPA)Facebook | Twitter | Blog601 S. Nedderman Dr. 511 University Hall Box 19588 Arlington, TX 76019Main: 817-272-2338Institute of Urban Studies: 817-272-3305Dean's Office: 817-272-1758© The University of Texas at Arlington. All rights reserved.


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Roth IRA Facts
Filed under: IRA
I write about ROTH IRAs quite a bit, but someone recently asked me to explain ROTH IRAs so here we go:
A ROTH IRA is best defined by how it's different from a regular (Traditional) IRA. Here are the differences:
- You cannot deduct contributions to a ROTH IRA, so whatever money you invest into a Roth—you're going to pay income tax on the year you invest it.
- If you satisfy the requirements, your ROTH distributions are tax-free.
- You can still make contributions to a Roth IRA even after you reach age 70 and ½.
- You can leave your money in your Roth IRA as long as you live. (This is important for people who want to leave behind money for their heirs. It also means you don't have any required minimum distributions (RMDs) like you have with Traditional IRAs. )
- You must designate the IRA as a Roth when you set it up (the default IRA setting is for a Traditional IRA.)
So why am I so gung ho about Roth IRAs? I like things that are tax free. The distributions are tax-free, the earnings are tax-free, and if you die, they go to your heirs tax-free. That's a lot of tax-free going on there.
Here's another thing I really like about the Roth IRA—not only are the distributions tax-free, but the distributions don't count towards your Adjusted Gross Income. I realize I'm going into Tax Geek Speak here, but hear me out, because this is important.
Let's say you've got a kid in college. You haven't saved enough money for tuition and you need $10,000 for the tuition payment. Now you can take that money out of your Traditional IRA and not pay a penalty (because you won't pay the penalty for early withdrawals when you use it for tuition), but you'll still have to pay the regular income tax on it. So if you're in the 25% tax bracket, you'll pay an additional $2500 in taxes to take that $10,000 out of your Traditional IRA.
Now, if you need the whole $10,000 then you'll need to actually take $13,333 out and withhold $3,333 in order to have the $10,000 and still pay your taxes on it. Plus, the IRA money that you take out goes on your tax return as income. So if you're applying for financial aid, your aid will be reduced because you're showing $13,333 more in income than if you didn't take any money out of your IRA. (And you could use the financial aid—you couldn't afford the tuition, right?)
Now, if you had a Roth IRA, you'd take out that $10,000 tax-free. The $10,000 wouldn't have an impact on your tax return and therefore, wouldn't have the same negative impact on your FAFSA application. See why I like the Roth IRA?
Here's another example of where it's useful. Let's say you're retired and receiving Social Security income. If your money is all in a traditional IRA or pension, your extra income can make your social security taxable—up to 85% of your Social Security income can be taxed. But if you take money out of your Roth IRA, that will have no effect on whether your Social Security gets taxed or not. The more you have in your Roth IRA, the more opportunity you've got to maneuver.
If you're looking for a place to put some retirement money, my first choice is a Roth IRA. Start saving today, you'll be glad you did.
For more information about Roth IRAs, here's a link to the IRS website: http://www.irs.gov/Retirement-Plans/Traditional-and-Roth-IRAs
ROTH IRA Strategy for High Income Earners
Filed under: IRA
Perhaps you've heard about how great a ROTH IRA is: You put your money in an account and it grows tax free and when you take the money out at retirement time you get it all tax free. Awesome, right? Zero percent is a good tax rate. But if you're in a high income bracket (see the chart below), you're not eligible to contribute to a ROTH. But there may be a way around that for you. It's called a ROTH IRA conversion. Here's how it works:
Even though your income may prevent you from making a ROTH IRA contribution, there is no income limit for a Traditional IRA contribution. This is important—there is no income limit to making a Traditional IRA contribution. There are income limits as to whether it is deductible or not—but no limits as to your ability to make an IRA contribution.
For example: let's say you earn $200,000 a year and you have a 401(k) plan at work. You can't make a ROTH IRA contribution and you can't have a deductible Traditional IRA contribution either. What you can do is make "non-deductible" contribution to a traditional IRA.
A non-deductible contribution to an IRA pretty much does the same thing as a ROTH—it grows tax free and at retirement it you can take it out tax free. The problem with the non-deductible IRA is that when you take it out, you take it out proportionately with your taxable IRA money.
For example: let's say you have $20,000 on non-deductible IRA invested and another $80,000 in a traditional IRA that you rolled over from your 401(k) account for a total of $100,000 in IRA funds. You want to take the $20,000 of non-taxable money out. You can't do it. If you take $20,000 out, the IRS is going to tax $16,000 of it because the non-taxable money comes out proportionately to the taxable money.
(Geek time: 20K + 80K = 100K
20K divided by 100K = .2 or 20 percent
$20,000 times 20% = $4,000 that is tax free
$20,000 – $4,000 = $16,000 taxable IRA)
So this is where the ROTH IRA conversion comes in. If you don't have any money in a traditional IRA yet, then you can take that non-deductible IRA and convert it to a ROTH IRA with no tax consequences. There are currently no income limitations on doing a ROTH IRA conversion.
If you convert your money into a ROTH IRA, then when you want to take that money out—you're taking it out of the ROTH. There is no equation determining how much is taxable or non-taxable—it's all in the ROTH and it's all non-taxable.
Now if you've already got money in a Traditional IRA, this strategy might not work for you because you'd be taxed on those funds during the conversion. If the total amount is fairly low, you might want to consider rolling it all over and taking the tax bite. You'd want to discuss that with your financial advisor and tax person before attempting that.
But if you don't have any Traditional IRA funds, the non-deductible Traditional IRA contribution and ROTH IRA conversion might be a good strategy for setting aside some tax free retirement income for you.
Incomes where the ROTH IRA is completely phased out (2013):
Married filing jointly: $188,000
Single or head of household: $127,000
Married filing separately: $ 10,000
Time Value of Money and Taxes
Filed under: Taxes
"Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn't … pays it."
-Albert Einstein
You probably have come across time value of money in one your finance classes or at least have a basic understanding of the idea. Time value of money, as defined by Investopedia.com, is "the idea that money available at the present time is worth more than the same amount in the future due to its potential earning capacity." Basically, money is worth more now than it is later. This idea would not exist however, if there was no concept of "interest".
There are two types of interest – simple and compound. Simple interest is interest paid on a beginning principal balance only. If you are receiving monies, the interest earned in a given period is not added back to the principal and then applied the interest rate again and appears perfectly linear on a graph. Compound interest is interest paid on a beginning balance and any interest that has accumulated in given a period of time. On a graph compound interest appears with a geometric (or exponential) growth pattern.
The present value of a future sum is the core formula for the time value of money. All time value of money equations are based off this formula so it is extremely important to review. It is expressed as such:
PV = FV / (1 + i)^n
PV = Present Value
FV = Future Value
i = interest rate
n = number of periods
The future value of a present sum is expressed as FV = PV * (1 + i) ^n. We won't discuss perpetuities or annuities in this post nor will we execute any actual calculations with the TMV formulas.
So how can we use this time value of money concept for tax optimization and more importantly, individual wealth?
Retirement Planning: We have all seen the example where Johnny starts an IRA at age 35 while Susie starts one at 21 and the amazing difference of the account values when they both reach age 59 and a half. This is because Susie's IRA endured 14 more years of compounding. The choice between a roth and a traditional IRA has important tax implications and time value of money has some influence in the decision. With a Roth IRA for example, the taxpayer can receive tax free distributions of earnings at age 59 and a half while with a traditional IRA, the taxpayer receives an above the line deduction on IRA contributions – given that AGI thresholds are not crossed – and is taxed on the distributions. If your income is expected to increase as you get older and your marginal tax rate is also expected to increase, then a Roth IRA makes more sense – naturally. Do the immediate tax savings of traditional IRA contributions outweigh Roth IRA tax free distributions?
Tax Planning: Accelerate deductions, postponing income recognition. This concept goes hand in hand with the time value of money concept – money today is worth more than money tomorrow. By accelerating deductions you essentially reduce your taxable income and end up with a bigger refund or smaller balance due. Some examples include prepaying your home mortgage interest in a given year, making an alimony payment in December as opposed to January, and writing off an asset using section 179 expensing or bonus depreciation as opposed to depreciating it over several years. The amount of tax savings probably doesn't have enough compounding power for individuals to make a huge substantial presence but for well established businesses it most definitely does. Examples of postponing income are increasing your retirement plan contributions to a 401(k) plan, legally deferring compensation, and delaying the collection of any debts you are owed.
Investment Planning: Younger people can be more aggressive because they have more time to make up for their losses. A younger person's portfolio can afford more risky securities such as stocks. As one gets older, the switch to dividend producing stocks and bonds usually happens because the "interest rate" is more stable.
With time value of money, the uncertainty of the interest variable is the most difficult to tame. Those who can predict its patterns the best, tend to make the most money.
Is Your 401(k) Helping or Hurting You?
Filed under: Taxes
I usually tell people that they should be putting money into their IRAs or 401(k)s to save for retirement. And while for many people I still think that's a good idea, after this past tax season, I'm having second thoughts. Here's why:
If you are not retired you should not be receiving income from your IRA or 401(k).
Now I understand life happens and sometimes people need to tap into those funds. But if you need to tap into your retirement funds for something other than retirement, then it means that you don't have enough funds in your regular savings.
Here's what happens—people tap into their 401(k) when they wind up in financial trouble. It doesn't really matter how they got there, maybe its medical bills, maybe it was a tornado. The point is they needed money and the retirement fund was all that was available.
They get hit with taxes on the money they withdraw and they also get dinged with a penalty for early withdrawal of the funds. So they wind up being double taxed when they're already in financial dire straits. Often, the withdrawal bumps them into an even higher tax bracket, making the hit even worse. If they would have had that money is a savings account that they could access—then there would have been no tax implications for getting at that money.
Okay I can hear you now, "Look, Sherlock, I already tapped out my savings account before I went to the IRA. I'm not stupid, I was desperate." And yes, I do hear you. Where I'm coming from is that as a country, we all don't put enough money into savings. We all, as a nation, are better at putting money into our IRAs and 401(k)s. We get tax incentives to do it. Sometimes our employers sign us up without our even realizing it. And it makes the IRS happy because they wind up getting more money out of us by giving us a tax break.
What's that? Yes, the IRS makes more money off of us by giving us a tax break on our 401(k)s because we break into them so often. The sales pitch is put money into your 401(k) and you don't pay tax on that money. Then, when you take it out, you're supposed to be in a lower tax bracket so you "win". The reality that I'm seeing these days is—people are putting their money into their 401(k)s while in the 25% tax bracket and taking it out while still in the 25% tax bracket and paying an additional 10% penalty on the money. The only winner I see here is the IRS!
So what's the solution? Put money into a savings account. A real savings account—not a "this money is for our Disney vacation account" — I mean this money is for "Dorothy and Toto blew away with the house and Auntie Em is in the hospital" account.
Savings accounts aren't sexy. You don't get any tax incentives to have one. Heck, you don't even get a toaster anymore! (I still use a frying pan that my mom got for opening a bank account back in the late 40's or early 50's. It's a great frying pan.)
But if it makes you feel better, think of your savings account as your way of cheating the IRS out of a little unearned bonus money. That might be all the incentive you need.
The Retirement Saver's Credit – Cool Cash for Smart Young People
Filed under: Tax Credits
The Retirement Saver's Credit sounds like an old person kind of tax credit, but, for the most part, it's really more of a young person's credit and it gets totally ignored. The coolest part about the Saver's Credit is that it's a credit, not a deduction. That means that it's a dollar for dollar reduction of your tax liability. A $100 tax credit would reduce your taxes by $100. A $100 tax deduction would reduce your taxes by $10 to $35 depending on your tax bracket. See the difference? Tax credits are better than deductions. The Saver's Credit is for people with lower incomes so we're looking at 10 to 15% tax brackets.
The Saver's Credit can be worth up to $1,000 ($2,000 if you're married filing jointly), so it's pretty valuable. Basically, it's like the government is giving you money for saving for retirement – how cool is that?
Who's eligible?
- You have to be 18 or over
- You can't be a full time student
- You can't be claimed as a dependent by someone else
So what are the income limitations?
- Single, married filing separately, or qualifying widower – $28, 250
- Head of Household – $42,375
- Married filing jointly – $56,500
So what do I have to invest in to get this tax credit? That's the easy part, you can invest in any of the following:
- A traditional or Roth IRA
- Most any employer sponsored retirement plan
The one thing that doesn't qualify is rollover contributions. Also, if you've taken money out of a retirement plan, it could reduce your ability to qualify for the credit.
So if I put $1,000 into an IRA the government is going to give me a $1,000 tax credit? No. I said it's easy, but it's not that easy. It works on a sliding scale: the lower your income, the larger the percentage you get, somewhere between 10% and 50% of your contribution. The form you need is form 8880. Here's a link: http://www.irs.gov/pub/irs-pdf/f8880.pdf
Let's say you're single, you made $18,000, and you put $2,000 into a Roth IRA. You'd qualify for a $400 tax credit. You can figure that out by looking at the chart and you'll see you qualify for a 20% tax credit.
The coolest thing about the Retirement Saver's Credit is that you can play with it. Let's go back to the example above – you're single and made $18,000. You have until April 15th to put money into an IRA, so you don't have to have this all done before tax time. At $18,000 income, you qualify for a 20% tax credit, but at $16,999 you qualify for a 50% tax credit. So if you put $1,001 into a traditional IRA (instead of the $2,000 you were going to put into the ROTH), it will lower your overall income, making your "adjusted gross income" or AGI, $16,999. Now, instead of getting a $400 tax credit on $2000, you get a $500 tax credit on $1,001 – and you still have another $999 left over to save or spend.
So you might be thinking, "Cool, I'll just put it all into an IRA!" And you can, but you reach a point where the credit doesn't do you any more good. The Retirement Saver's Credit is what's called a "non-refundable" credit. That means that once you zero out your tax liability, you don't get anything more.
Let's go back to our example: you're single, you make $18,000. This time you put the whole $2,000 into a traditional IRA. Now your AGI is $16,000, that means your taxable income is $6,500 and your tax liability is now $658. So you complete form 8880 and you see that you qualify for a 50% credit which is $1,000 but since your tax liability is only $658—that's all the credit you get.
Now if you have $2,000 to put into savings, I am 100% behind you saving the full $2,000. But, you may be better off putting some of that money into a regular savings account instead. It's something to play with. Never sneeze at a 50% return on your investment. Let's be real, that's what this is. Even the 10% and 20% return is a good deal. But once you've maxed out that return, then you need to look at what other options you've got. That's why I like IRAs. You can figure out your tax return first before make the investment. The absolute best part – you can make the investment with your income tax refund! You can actually do your tax return, plan out your IRAs, and not fund them until after you've gotten your refund.
Not everyone will qualify for the Credit for Qualified Retirement Savings Contributions, but if your income is anywhere close, you'll definitely want to at least look into it.
IRAs for Dummies
Filed under: IRA, Uncategorized
Updated June 1, 2013
Okay first and foremost, you're not a dummy! But I wanted to make a simple post with simple explanations about IRAs. This isn't the be all end all of IRA stuff. But hopefully it will give you a little clue about them.


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Don't remember saying a gig of ram. But, you are correct. You don't need as much machine as I said. But *I* would still use a machine of that caliber. Besides, it will be a newer machine so the disk drive will have more time left on it before failure. Tho my experience with old hardware is that if it lives to be called old, then it will probably live close to forever! I've still got fax servers out there running DOS on a 386 machine! Bob > -----Original Message----- > From: pctech-bounces@xxxxxxxxxxxx > [mailto:pctech-bounces@xxxxxxxxxxxx] On Behalf Of Adam Lang > Sent: Tuesday, October 28, 2003 10:04 AM > To: PC Technical Discussion for iSeries Users > Subject: Re: [PCTECH] RE: IP-Cop Firewall > > > You were passing off an 800 Mhz as neccessary. I was just > stating that > there is no way you should need that much hardware for a > firewall system. > > Just as a comparison. The Cisco Pix 515, which I use at my > office, will > handle over 100,000+ simultaneous connections and 2000 3DES > VPN connections > and it uses a 400MHz processor and 64 MB of RAM. > > So, saying you need 800 MHz and 1 gig of RAM is above and > beyond overkill. > I don't want you to possibly scare anyone off becasue they > think they need a > big piece of hardware to run a firewall, whether they build > it themselves > from a normal OS install or run a pre-packaged system. > > ----- Original Message ----- > From: "Bob Crothers" <bob2@xxxxxxxxxxxxxx> > To: "'PC Technical Discussion for iSeries Users'" > <pctech@xxxxxxxxxxxx> > Sent: Tuesday, October 28, 2003 9:46 AM > Subject: RE: [PCTECH] RE: IP-Cop Firewall > > > > I use a 233 at home and a 400mhz here at the office. > > > > You could go to the ipcop.org website and get decent > > recommendations for hardware. But I've got machines hanging > > around in that speed range. Only our lowliest sales puke gets a > > machine below 800mhz. > > > > Besides, I'd rather have to much hardware in critical locations > > than not enough. > > > > BTW, it is very easy to move IPCop between platforms. > > > > Bob > > _______________________________________________ > This is the PC Technical Discussion for iSeries Users > (PcTech) mailing list > To post a message email: PcTech@xxxxxxxxxxxx > To subscribe, unsubscribe, or change list options, > visit: http://lists.midrange.com/mailman/listinfo/pctech > or email: PcTech-request@xxxxxxxxxxxx > Before posting, please take a moment to review the archives > at http://archive.midrange.com/pctech. >
This mailing list archive is Copyright 1997-2015 by MIDRANGE dot COM and David Gibbs as a compilation work. Use of the archive is restricted to research of a business or technical nature. Any other uses are prohibited. Full details are available here. If you have questions about this, please contact


text: Just pop in a CompactFlash card and go! Transfer your photos to and from any computer with an available FireWire port. With no drivers required for modern operating systems, the reader is ready for immediate use. It accepts all CompactFlash cards (Type I and II) and is equipped with a LED status indicator that indicates when files are being transferred


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Ballpark cost for a 42" Pompei type oven?
Is there any way to ballpark the cost? I'd like to know if I'm out of my league.
Looking at a very basic structure nothing fancy, do it yourself.
Re: Ballpark cost for a 42" Pompei type oven?
Depends on where you live. I noticed you are from the northwest, so I'm assuming Oregon/Washington. Also price will depend on if you can get materials at wholesale or retail.
If you are in Oregon or Washington everything you need to build a 42 inch oven is available through Mutual Materials. I can get everything from them at wholesale for around $800.00. Retail will put you well over $1200.00. That is just concrete, block, brick, mortar, etc the "guts" so to speak. The finish materials vary so widely from stucco at almost no additional cost to real stone which can triple your finished cost.
Re: Ballpark cost for a 42" Pompei type oven?
Such excellent information. This is not beyond my budget. Woo hoo!
Re: Ballpark cost for a 42" Pompei type oven?
I recieved this quote from a masonry landscaper. $8,450. Is this a reasonable number for the scope of work?
This would include prepping and pouring the footing, building up the block base using either a 6 or 8 by 16 anchoring to the footing, pouring that, forming up the floor of the oven and pouring that, laying a firebrick floor, building up the dome of 46 interior oven, doing 2 to 3 layers of lightcrete or high heat material, building up the tunnel and installing flue liners or something similar, facing all sides of the base with a standard red brick, applying stucco to the dome and striking all joints.
Included is all material, delivery, disposal and labor.
Re: Ballpark cost for a 42" Pompei type oven?
I can't comment on your quote, but I see no mention of insulation under the oven floor. If I were hiring someone to build an oven, I'd learn as much as i could beforehand, and watch them like a hawk. We've heard about more than one beautiful oven that didn't cook at all well because of insulation issues.
Re: Ballpark cost for a 42" Pompei type oven?
Check out Dino pizzas "cost" spreadsheet He did all the work and it was in the $5000 range. I scoured craigslist and scrounged and am in at around $1200 right now and maybe another $500 to go. So I guess the real question is Do you want to do the work or do you just want an oven. Precast would be your other option...Check out the Forno Bravo store
Good Luck
Re: Ballpark cost for a 42" Pompei type oven?
Thanks for pointing me to Dinos spreadsheet. From an initial look he is doing a fancier oven than I am planning. Will go over it in more detail later.
I would love to build this myself, but have back problems that make that impossible. I'll also take a look at some of Forn Bravo offerings.
Re: Ballpark cost for a 42" Pompei type oven?
Does this "masonry landscaper" have any experience building wood-fired ovens (or even fireplaces)?
I have no idea the contracted cost of a WFO, but IME you need an itemized quote that separates materials from labor to have any clue. I did not keep track of my hours to build specifically, but lots of guys here probably did in addition to being able to supply you with an itemized materials cost sheet for reference purposes. That would be a useful comparison vs. if this guy hasn't built a WFO before and he's just pulling the labor bid out of his a**. If this contractor does not have pictoral or in-person viewable experience of WFO building, ask yourself if you want to pay someone to learn...? Do you trust this persons judgment about what and how it should be done vs. what you can and will know by reading the instructions yourself? Is HE going to read and follow the pompeii instructions or just make it up? There's more than one tale of that around here, mostly after the screwed up fact.
Most of us who frequent the forum are proof that an oven build is do-able without prior experience, but for some reason many construction contractors seem to be allergic to learning, reading or following directions and that's always where the contracted ovens I've read about get into trouble. It would suck to pay that much money for something that doesn't work right.
Re: Ballpark cost for a 42" Pompei type oven?
And FWIW, I think I spent right around $2K or a bit less on materials including the (relatively inexpensive) exterior finish but not including the $500 bucks I just blew on some seriously fabulous tile for the front of my enclosure.
Re: Ballpark cost for a 42" Pompei type oven?
Appreciate the words of warning. This fellow has built a few ovens, though I'm not sure how well they perform. When I spoke to him and said I wanted a Pompei style oven he said it sounds like I've been to the Forno Bravo website. :) Made me feel he at least had some familiarity with the product. If I accept his bid he'll send me references, but in reality this bid is way over my budget.
It's very true you have to educate yourself about any construction project and I have and plan to continue reading and learning about this.
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Joined: Jun 2011
Location: Ohio
Oddometer: 14
130 miles on a scoot and a BMW
Hey all,
This is my first ride report - though I lurk in here all the time.
This is my scoot - a 2009 Piaggio BV250. Normally I do not have the Givi bag on the passenger seat but needed it for this ride.
My father in law just purchased his 1200RT Beemer and I convinced him to go on a day trip to the Rocky Boot company store in Nelsonville, Ohio. We picked a date and stuck to it.
We headed out early in the morning to hopefully avoid some of the mid morning traffic headed to the flea markets and antique shows.
The air was cold and bracing. Even though I had on my vented riding pants, I wasn't too cold. I did need to close the vents on my helmet though.
I don't think my father in law had any issues since he has heated....well....everything on his bike.
From A-B the trip was about 65 miles each way give or take. About 50 miles in we needed to take a quick bathroom break and stopped for a quick photo.
After that is when the craziest thing happened to me.
I was riding around 70-72 indicated (probably 63-64 on my bike) and a car full of college kids pulls up on the left hand side of me and the driver looked a bit frantic. She kept looking around like she was trying to get over. I slowed down to let her over when I saw the passenger side rear window open. Oh shit, I thought to myself, these idiots are going to throw something at me! Still traveling around 60, in the blink of an eye a girl's head pops out the window and explodes with a violent, fast puke . I didn't have much time to react, as they were only a car length or two in front of me and trying to pull off onto the shoulder. When I saw this happening, it was almost slow motion. I watched the puke catch the air and sail right over me. I was so close to this I could smell it and almost had to pull off and puke myself. Nasty and amazing at the same time. Not even a spec of it hit me. If it did, I'm not sure I would have had time to pull over, take off my helmet and ralf myself. My father in law was far enough behind me that he didn't even know what happened. All he saw was the car pulled over when he passed.
After that experience, we made it to Rocky Boot
Their selection wasn't enough for my father in law since he wears between a 13-14 but they did have some really cool stuff!
We then headed down the street to a local place called "The Mine" for burgers and sodas. The place was actually quite good and very inexpensive. I'm sure it would be a fun place to tip a few back if you didn't have to ride anywhere for sometime.
The ride back was smooth and uneventful and the scoot didn't miss a beat. I love that bike, 65mph (realistic) all day no problems.
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Find hotels & motels in Badalona using the list below. Search for cheap and discounted hotel and motel rates in or close to Badalona, Spain for your upcoming personal or group travel. Discover the most favored Badalona hotel rooms. Review the Badalona hotel list below to find the perfect lodging. We also have a map of the Badalona hotels. Need 5+ Rooms? Secure Badalona Group Hotel DealsThe Badalona center point is approximately 3 miles from Barcelona Convention Center and 3 miles from Casa Vicens.
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Scream Queens | Finale
It's all come down to this. Seven weeks of battling through every imaginable horror scenario has pared the competition down to three actresses. Now they must put everything they've learned to the test in the most grueling, exhausting, and emotionally difficult challenge they've ever had to face: The Scream Queen gauntlet.
Scream Queens | Episode 107
One contestant returns from elimination in a rage that threatens her place in the competition. The four remaining actresses must face their own personal horror as they act out their final moments during a "Blair Witch" challenge.
Scream Queens | Episode 106
The five remaining actresses must get in touch with their dark side as the competition focuses on the "altered states" of horror. After the girls try their hand at being possessed, one continues to struggle with her self-confidence.
Scream Queens | Episode 105
Diving into a pool of disgusting blood and gore. Being shoved into a body drawer in a morgue. Covering yourself with thousands of cockroaches. It's all in a week's work for the six remaining actresses vying for the breakout role of a lifetime in SAW VI.


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Alan Ayckbourn's Surprises (2012)
Click on the links in the blue bar at the top of the page or in the right hand side bar to find out more about Alan Ayckbourn's Surprises.
World Premiere: 17 July 2012
Venue: Stephen Joseph Theatre, Scarborough
London Premiere: N/A
Venue: N/A
Play Number: 76
Published: Faber
Short Synopsis: Several intertwined love stories set in a near future where longevity advances have significantly extended human life. But how does this affect who and how we love?
Amateur: Details at www.samuelfrench-london.co.uk
Professional: Contact email@example.com


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Toyota readies its SEMA show cars
From a 750bhp drift GT86 to a super-low orange IS, the big T is going modding mad in Las Vegas
Posted: 01 Nov 2013
Steve Aoki x Scion FR-S
Steve Aoki is a disc jockey. Naturally then, a car known for its innate driftability is the perfect choice to pack a fully operation mixing station, custom Pioneer sound system with multiple speakers, a deck lid-mounted LCD display and even a fog machine. The FR-S, of course, boasts another fog machine: it's called THE REAR AXLE.


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Consumers Explore Streamlined, Less Costly Funeral Services
Posted: August 17, 2013 at 1:10 a.m.
Jan Lightner knows how she wants to go.
This story is only available from our archives.
Religion, Pages 8 on 08/17/2013
« Previous Story
Presbyterian Puppets
What did you do this summer?" one puppet asked another. "Got braces," came the reply. In reality, Miles Higman... Read »
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!Forest Hills Church in Bella Vista, 1702 Forest Hills Blvd., offers a coffee and sweets fellowship at 9 a.m. each Sunday, followed by worship services at 9:45 a.m. and 10:... Read »
I do not know why there are not any green burial sites in NWA.
August 17, 2013 at 10:44 a.m. ( permalink | suggest removal )
This was an excellent article and I am looking forward to reading the series. As a social worker I've had many clients who were still paying for the funeral of an adult child or spouse then facing death themselves, knowing they did not have funds to pay for their own funeral. Many who are 'old-old' cannot accept any funeral plan other than a formal service and burial, cremation is just not an option. We need much, much more education on this topic. Thank you.
August 18, 2013 at 11:17 a.m. ( permalink | suggest removal )


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What Is 50 Cent & Crew Doing In This Video
I'm not going to tell you what the blog world is saying, I just want to know what you think is happening in this video with 50 Cent and crew at the round table. You can skip to 1:33 on the video and watch closely. Then observe everyones behavior after that.
Hint: It rhymes with poke.
[coolplayer width="480" height="380" autoplay="0" loop="0" charset="utf-8" download="0" mediatype=""]
50 Cent & Crew Caught On Tape
Alicia Keys Attends The 54th ONDA Awards in Barcelona, Spain
Upon first glance, I thought wow, Alicia Keys looks amazing, then a saw the second set of pictures and thought something entirely different. Can anyone tell me what's wrong with this picture? I can't quite put my finger on it, oh wait, I don't want to put my finger on it.
Read More
Amy Winehouse Just Keeps Getting Better
Oh my what is she doing? After I think she hit rock bottom, I find she has a bottomless pit, her standards keep getting lower and lower. I feel bad because I just bought her album, Back to Black, and I feel like I am now contributing to this behavior. Amy Winehouse, please keep your pants on. All your clothes for that matter, the other day she was shirtless, and now she is pantless…I guess we all know what's next.
Read More
Preparing For Christmas Pictures
Since this is my blog every once in a while I will give you a glimpse into my personal life. Yesterday, I was taking pictures of my boys to prepare for Christmas pictures. It took a few tries just to get one picture that mommy really liked. My youngest is quite wild, and he kept pulling my older sons hair during takes and trying to escape to get a toy. Well, anyway here are my two favorite pictures.
Read More


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A pie in the face for our host Matt Westerhold.
The following real estate transactions were the highest for the week ending March 8, in Erie, Huron and Ottawa counties.
Ohio Attorney General Mike DeWine took questions about the apparent failure that occurred in following the requirements of state law during the selection process for the Limberios grand jury in October.
"From a tiny sprout, the greatest trees grow and flourish. May the seeds of your mind be equally fruitful."
Erie County Clerk of Courts Luvada Wilson was our guest today on Between the Lines.
The program is available in the player below.
President Obama appeared on Between Two Ferns with Zach Galifianakis.
Watch the video below
SandTown, Sandusky's own "Motown, R&B, Oldies Review," will play at Sandusky State Theatre from 8:30 p.m. to 10:30 p.m. Friday.
Sandusky's city commissioners deserve praise for making courageous decisions to balance the city's budget. A budget crunch left the city $1.1 million in the red before the cuts were made.
Milk futures are near an all-time high as California suffers through a severe drought that is threating dairy production.
There was a time when many considered the Ohio State Highway Patrol the gold standard with regard to the functionality of a law enforcement agency. It was responsive, thorough and professional.


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Sized just under 20" wide, the freestanding FS408BL7 can be paired with our FF521BL7 auto defrost all-refrigerator to create a matching set. For a built-in version of this model, see the FS408BLBI7.
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|100% CFC Free
|Environmentally friendly design with no ozone-damaging chemicals


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@ All,
Just noticed we have Symbister House down as being built is both 1823 and 1830, anyone know which of the two years is the correct one?
Ghostrider 19:54, 9 December 2007 (MST)
- All I do have confirms the info for 1830. Islandhopper 01:50, 10 December 2007 (MST)
I did a google for it and first answer was this page:
http://www.undiscoveredscotland.co.uk/whalsay/whalsay/ which states 1823.
Also Mike Finnie's book states 1823, built 'at the great expense of £30,000' by the 6th Robert Bruce of Symbister. It was Oddrun who put in 1823,, she's not home yet so not sure where she found it from, but I would assume one of these sources.
Robbie 09:13, 10 December 2007 (MST)
Just came in, Robbie is right, and I also have this page, the Schoolpage, If you scroll down, You'll find a drawing and a decription....all I have says 1823...
--Oddrun 09:24, 10 December 2007 (MST)
- I wonder if one date is when the foundation was laid and the other is for the completion of the building, and that's causing the confusion. A building of it's size and complexity almost certainly didn't get built terribly quickly back then, especially if all the stonework had to be rafted across from Nesting. None of the sites seem to make mention whether 1823 was a start of finish date though, which is a pity.
- Ghostrider 09:36, 10 December 2007 (MST)
Most searches come up with 1823, although these say 1830
I'm beginning to think that the 1823 is the most believable, although one of the above sites states 'finished in 1830'. This could mean that as the Bruce family were nearly 'oot da erse' with the costs, perhaps some work was delayed, and total completion wasn't until 1930. This would be fairly possible, but we perhaps should accept 1823 as the building year, that way staying in line with the Museum, Finnie, Undiscovered Scotland, etc.. Although I would err on the side of caution, and add a completion date, or something like that.
Robbie 10:14, 10 December 2007 (MST)
- Generally: For such questions we should not refer to "tourist information websites" which dunno show a proper reference. Despite that we do have Finnie/Shetland Museum saying 1823 in contrast with RCAHMS publications saying 1830.
- The "truth" may be in between that's to say what's on the Gresham College website quoting Brian Smith: Symbister House finished in 1830 ... ;-) ;-) Islandhopper 17:16, 10 December 2007 (MST)
I thought that site said it was finished in 1830 until I read it again,, "Gables are of the same granite as Symbister House finished in 1830 (stone quarried at Staveness in Nesting). ", and realised that, assuming it is not punctuated wrongly, it was the gables of pier house which were finished in 1830, using the same stone as Symbister House.
I think there is too much evidence pointing to 1823. Even the museum picture which shows the image with a caption "1824 -", which would perhaps indicate, finished in 1824', but again pointing to 'built in 1823'
I think the key words here are 'built' and 'finished'. Irregardless of when it was finished, we should accept our entry as 1823. This would be in keeping with other buildings in 'Years', which are dated by the laying of the foundation. If we subsequently find hard evidence of an actual completion time, we can always add it later.
How does that sound?? :-)
Robbie 21:56, 10 December 2007 (MST)
- ... good ;-) go ahead !
- ... despite that I do assume that it is an "punctuation thingy" because - as far as I do remember - the gables (upper parts) of the böd were reconstructed in the 1960s or 1980s ... ;-) (private note about the böd: When I first visited the site it was called Bremen Böd but the Hamburg flad was flown. So I asked the Senade of Bremen to send a Bremen flag to be flown properly above the böd. So it happened but in between the name changed to Hanseathic Booth and for some time the Bremen flag was presented only in the show room>/coffee shop that existed not in the "pier house" but in the more recent building which incorporates the original former "böd". Some of the correspondence survived - the floorplans of the böd in the articles resulted from the info - but for the moment I don't have the time to check it out properly ... ;-) ) ... and only the upper parts are made from the said granite using left over or recycled stones from Symbister House ... ;-) Islandhopper 15:41, 11 December 2007 (MST)
Re. the böd. Finnie states that (Alteration c.1830, is indicated by cut granite blocks in the gables.), which is why I assume that website is referring to the böd for 1830.
He continues (Fine restoration in 1984 by Richard Gibson using traditional methods of construction.), which will be the restoration you are thinking about.
Having said that, the way that Finnie writes the article, referring to the "Pier House", complete with picture of "Böd", then referring to the "Bremen Booth", as though it was a different building, makes me, as usual, question his facts. ;-) :-) :-).
We'll go with 1823 just now, and see what else crops up during future research.
Robbie 21:54, 11 December 2007 (MST)
- RE: Böd -
- >>>... referring to the "Pier House", complete with picture of "Böd", then referring to the "Bremen Booth", as though it was a different building, ...<<<
- I have not got my copy back but that confused me for years, too ;-).
- Nevertheless, Finnie is right. We do have structure 1 known as Bremen Böd, Hanseatic Booth or Symbister Pierhouse – it served as crane, living quarter and interim storage … but that was most probably not the hanseatic trading booth. Again: Up to this point Finnie is right. The remains of what probably was "the booth" are incorporated in the building to the east of the little harbour basin, with a second "booth" and / or an additional warehouse incorporated in the complex to the south of the basin (the structure with the wall slits filled with stones in modern times and the arched entrance in the seaward gable) … and another booth just 1 mile to the north ... that all together makes Symbister an unique industrial monument … ;-) Islandhopper 14:15, 12 December 2007 (MST)
"Industrial Munument" ;-) :-)))
That reminds me of the story about a university professor who visited Shetland, researching old ruins and monuments. One day he stopped at an old croft house and asked the woman, working hard in the kale yard, if she knew of any ruins or monuments in the area.
She rested from her task for a few seconds, looked around here, then said, "Weel Sir, Wir byre yunder is a total bloody ruin, an as fur wir Jeemie sitting yunder i da restin shair,, is du ever seen a mair useless moaniment i dee time?"
But seriously, Symbister needs a lot more written about it's history.. Now there's a challenge for someone ;-)
Robbie 14:44, 12 December 2007 (MST)


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Who says the the New York Jets can't score? Well, maybe not on the field. But off of the gridiron, quarterback Mark Sanchez is beginning to look like Joe Namath.
The beefed-up Jets signal-caller was spotted having a casual supper with actress Eva Longoria outside a Bedminster, N.J. restaurant where the couple shared bites from each other's plates.
Friday night's sighting of the lovebirds is the latest in or around Sanchez's New Jersey home this summer and quite a change from when Longoria, 37, the ex-wife of NBA star Tony Parker, wore a blond wig as a disguise at a Manhattan restaurant.
Earlier this summer, Sanchez and Longoria were spotted grocery shopping together and, according to InTouch magazine, were rumored to have jetted off to the Caribbean for a romantic weekend.
Now only if Sanchez could make that kind of connection with one of his wideouts.
It's nice to see Sanchez and Longoria taking their relationship out in the open. Better yet for Sanchez, he must be happy to see his name in the papers without Tim Tebow next to it. Oops, couldn't help it.
Who Hasn't?
Come on folks...can't U see...this is true love...don't U believe in luv at first site...two mesicans...two tamales wit alot of salsa...now if Eva would try my brutha Mike Vick then she would stay wit da brutha...
ROFLMAO! Nice ONE!
It's a shame she like that young stuff and it always breaks her heart,find someone closer to your own age and maybe it will work!
Up next for Longoria since Housewives is done, Cougartown?
37 is not old and she is still very hot and probably took tony to the cleaners ask tiger how it works
It appears that sanchez is thinking with the wrong head. When you see him during a game while the defense is on the field. He looks uninterested, like, I don't need to study their defenses. And it seems like he doesn't really care. he also, runs scared when the defense is coming. Step up into the pocket and complete a pass; or, throw it out of bounds.Look at all the beautiful women he has dated. he can't connect with any of these young gals either. Longoria,she's hot but, not that hot. Sanchez is a player and I don't mean football.
What could she possibly want with that loser. He's a joke, but then so is .......
Yuk! She would be so much better off if she'd stay out of politics......
Eva is a latina who has let her bit of fame go straight to her little head, she screwed up her 1st marrage by not being a wife, now she is all over any body who can get her in the news since she is scrambling to be discovered again Eva's a real bitch that can't get over her self and gives great head
i agree, she should find a man her age, she may look petite but she's 37 not 23. stop trying so hard to look cute. i saw her at one of the late nights show on tv, she was wearing short, short and low cut top that busted due to it's tightness, not a very nice sight. yes, she has no place in politics. i woudn't value her political opinion.
Cozy? More like the formaldehyde signed in. How much will buy signed out. EWWWWWWWWWWWWW! GroSSSSS!!!! (San Fran 'S'). Drift and die like this coming season in the NFL. Any opposing team can score a field goal and beat this team! YES! Easy $$$. Long LIVE 2012!!!!!!!!! :DDDDDDDD
Now I KNOW Sanchez is nothing more than second rate. SKANK!!!
OK...well you know Mark Sanchez has been bringing attention to the NY Jets since the day he joined the team. posing for magazines etc. and now, he's cozying up with Ms. Longoria. too bad he doesnt spend as much time on the field with undivided concenration for the game. then maybe he NYJets wouldnt be in the dump. and Eva...quit collecting boyfriends and bring some respect to yourself. you may be cute..but it does get old and worn looking.
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San Mateo's Best Sunday Brunch
Savor San Mateo's most delicious buffet brunch at Café Florian at the Crowne Plaza, San Mateo, Foster City, California near San Francisco International Airport. Sip on Mimosas in view of a cascading waterfall and peaceful pool of swimming Koi fish while enjoying An amazing spread of fresh shellfish, seafood, an abundance of salads and entrees with carvery stations and desserts, desserts and more desserts. Whether you're looking for the perfect place to take mom for Mother's Day brunch or just a special place for Sunday brunch, Café Florian offers a fantastic combination of dining delicacies and airy garden ambiance. Available every Sunday from 10:30am - 2:30pm.
Reservations: (650) 295-6123
Hotel Main: (650) 570-5700
San Mateo's Best Brunch.Sunday Champagne Brunch is an amazing spread of fresh shellfish and seafood and abundance of salads and entrée with Carvery stations and dessert, desserts and more desserts.
- Sunday Brunch 10:30am - 2:30pm
- For reservations please click here and include your name, phone number, party size and time requested. E-mails are responded to Monday-Friday, 8am-5pm. For all other hours, please contact the front desk at 650-570-5700 to reserve. We look forward to having you!
Sunday Brunch Menu
Foster City's Favorite Holiday Sunday Brunch.We offer special menus and pricing for Holiday Brunch
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The Museum of Modern Art, MoMA Highlights, New York: The Museum of Modern Art, revised 2004, originally published 1999, p. 65
A monumental image of joy and energy, Dance is also strikingly daring. Matisse made the painting while preparing a decorative commission for the Moscow collector Sergei Shchukin, whose final version of the scene, Dance (II), was shown in Paris in 1910. Nearly identical in composition to this work, its simplifications of the human body were attacked as inept or willfully crude. Also noted was the work's radical visual flatness: the elimination of perspective and foreshortening that makes nearer and farther figures the same size, and the sky a plane of blue. This is true, as well, of the first version.
Here, the figure at the left moves purposefully; the strength of her body is emphasized by the sweeping unbroken contour from her rear foot up to her breast. The other dancers seem so light they nearly float. The woman at the far right is barely sketched in, her foot dissolving in runny paint as she reels backward. The arm of the dancer to her left literally stretches as it reaches toward the leader's hand, where momentum has broken the circle. The dancers' speed is barely contained by the edges of the canvas.
Dance (II) is more intense in color than this first version, and the dancers' bodies—there deep red—are more sinewy and energetic. In whatever canvas they appear, these are no ordinary dancers, but mythical creatures in a timeless landscape. Dance, Matisse once said, meant "life and rhythm."
In March 1909, Matisse received a commission from the Russian merchant Sergei Shchukin for two large decorative panels, Dance and Music (now in the Hermitage Museum, St. Petersburg). This painting was made quickly as a compositional study for Dance, which was intended to hang on the landing of a staircase, approached from the lower right. This may be why the lower figure leans into the painting, increasing the sense of movement, and why the figure at left is so large, slowing it. Drawing visible beneath the paint shows that Matisse started with two smaller figures where the large figure is now.
MoMA Audio: Collection, 2008
Curator, Ann Temkin: In 1908, the year before he made this painting, Matisse was quoted as saying, "Suppose I want to paint a woman's body. First of all, I imbue it with grace and charm, but I know that I must give something more. I will condense the meaning of this body by seeking its essential lines. The charm will be less apparent at first glance, but it must eventually emerge from the new image, which will have a broader meaning, one more fully human."
When Matisse first painted this work, its early audiences weren't able to find the charm and grace at all. What they saw were five figures that did not seem to be capturing the essence of women but seemed almost to be more like paper dolls. One hundred years later, this painting and its companion called Dance (II) are very much seen as quintessential evocations of grace.
What matters to Matisse isn't some realistic description of what a ring of dancers would look like, but the way that this ring of dancers would fill the dimensions of this rectangular canvas, and thus you have things happening like the very long reach between the two dancers in the foreground at the far left and then at the bottom right, where you see their arms reaching and barely touching each other's and, in fact, the way in which the woman on the far left's right hand is painted, it almost looks like it's unfinished, but for Matisse, that was enough. Matisse painted it in a very quick amount of time, less than a week, and he did something that was so shocking, in a sense, in making a painting that's essentially a few colors.
Another radical thing is that the sky and the earth are not given any detail whatsoever. It's just a purely flat expanse of this one blue color and this one green color, painted in such a way that you realize that you're not in some kind of specific place that can be identified, but rather some kind of ideal place in the mind's eye.
Director, Glenn Lowry: This painting was restored in 2003 and 2004.
Conservator, Jim Coddington: The restoration of Dance (I) was an instance of removing varnish from a picture that was not meant to be varnished at all. We know that Matisse did not want this painting varnished. He mentions it in letters, he talks about the other version of Dance, and its unvarnished state. So it's very clear that he did not want varnish on this painting.
One of the interesting things that became apparent in the course of the cleaning was how areas where he painted more thinly, where the canvas texture was still more evident, looked to the eye to be more diffuse, more matte because the texture of the canvas diffuses the light. The presence of the varnish tended to diminish these differences and that's not what Matisse had in mind at all.
One of the interesting things that occurred as we took the discolored varnish off was that each of the figures has slightly different hair color. The figure on the far left is somewhat redder. The figure in the upper right is greenish. One of the figures is slightly brown and the other two are somewhat blackish. So Matisse was actually very subtly achieving some personality to each of these dancers with these different hair colors. It's subtle, but it's definitely there, and it was quite muted by the discolored varnish.
If you are interested in reproducing images from The Museum of Modern Art web site, please visit the Image Permissions page (www.moma.org/permissions). For additional information about using content from MoMA.org, please visit About this Site (www.moma.org/site).
© Copyright 2011 The Museum of Modern Art


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Tightening laws and increasing punishments
Legal rights are diminishing for lesbian, gay, bisexual, transgender and intersex (LGBTI) people across the African continent.
It's already illegal to be gay in Uganda. If you're found to have had a same-sex relationship, you can expect to spend seven years in prison. But Uganda's anti-gay laws have become even harsher.
In December 2013, the notorious Anti-Homosexuality Bill was passed by Uganda's Parliament. It has lengthened sentences for consensual homosexual sex, and extended punishments to those 'promoting' homosexuality.
Nigeria already outlaws same-sex relationships. But the conditions of imprisonment have become wider, and the punishment much harsher, when Nigeria's President passed amendments to existing laws in January 2014.
Illegal or legal? Breaking it down by country
Death penalty
Mauritania, Sudan, Northern Nigeria, Southern Somalia
Algeria, Angola, Botswana, Burundi, Cameroon, Comoros, Egypt, Eritrea, Ethiopia, Gambia, Ghana, Guinea, Kenya, Liberia, Libya, Malawi, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Nigeria, Sao Tome and Principe, Senegal, Seychelles, Sierra Leone, Somalia, South Sudan, Sudan, Swaziland, Tanzania, Togo, Tunisia, Uganda, Zambia, Zimbabwe
Benin, Burkina Faso, Cape Verde, Central African Republic, Chad, Congo-Brazzaville, Ivory Coast, Democratic Republic of Congo, Djibouti, Equatorial Guinea, Gabon, Guinea-Bissau, Lesotho, Madagascar, Mali, Niger, Rwanda, South Africa.
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13 Jan 2014, 6:28pm


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Five justices at the Supreme Court in London yesterday said Scottish prosecutors had breached Nat Fraser's right to a fair trial under the European Convention on Human Rights (ECHR).
Fraser, 52, of Elgin, Moray, was jailed for life in 2003 after a jury at the High Court in Edinburgh found him guilty of killing his wife Arlene, 33, a mother of two, who vanished from home in April 1998. He will now face a retrial.
Alex Salmond said the ruling threatens the independence of Scotland's criminal legal system. The First Minister, who did not directly discuss the case, said: "What needs to be addressed is the underlying issue: the principle that Scotland has, for hundreds of years, been a distinct criminal jurisdiction, and the High Court of Justiciary should be the final arbiter of criminal cases in Scotland, as was always the case.
"Before devolution, the House of Lords had no jurisdiction whatever in matters of Scots criminal law. The increasing involvement of the UK Supreme Court in second-guessing Scotland's highest criminal court of appeal is totally unsatisfactory."
Mr Salmond reiterated the Scottish Government's belief during its evidence to the Scotland Bill that the court "should have no role in matters of Scots criminal law, whether by way of devolution issues or appeal."
However, concern exists in legal circles over Mr Salmond's remarks. It was pointed out that the Supreme Court was established in 2009 to ensure people who believe their rights have been infringed did not need to take their appeals to the European Court of Human Rights in Strasbourg.
Labour's justice spokeswoman, Johann Lamont, said: "The independence of the Scottish judiciary is not challenged or threatened in any way whatsoever and it is disappointing this case has been used as an opportunity for yet further constitutional wrangling.
"Appeals to the Supreme Court must be on devolution issues only, such as whether someone's rights under the European Convention of Human Rights have been breached."
Arlene's family said the judgment was "bitterly disappointing." They added: "However, we fully support the Crown's intention to seek authority to bring fresh proceedings against Nat Fraser for Arlene's murder."
Fraser's mother Ibby Fraser, said her grandchildren, Jamie, 23, and Natalie, 18, were "delighted" and she hoped there would be no retrial.
Fraser was a fruit and vegetable seller at the time of Arlene's disappearance on April 28, 1998. Last night he was still in Addiewell Prison in West Lothian, where he is serving a minimum term of 25 years for the murder, but he could be released soon on bail.
The Crown Office said it would seek a retrial, a decision that is expected to be confirmed within days by judges at the Court of Criminal Appeal in Edinburgh. The Supreme Court judgment said that three of Arlene's rings had been the "cornerstone" of evidence against Fraser. They were found in the bathroom of her house on May 7, 1998.
Prosecutors suggested that Fraser had removed them from her body and placed them in the bathroom to make it appear that she had left home.
However, the judges said, it later emerged that prosecutors had evidence from police to suggest the rings were in the house on the night Arlene vanished.
Fraser's counsel argued that the failure by the prosecution to reveal that information to his legal team breached his right to a fair trial under Article 6 of the ECHR
Lord Hope, deputy president of the Supreme Court ruled: "The court holds that the trial would have been significantly different if the undisclosed evidence had been available.
"There is a real possibility that the evidence would have been sufficient to raise a reasonable doubt as to whether (Fraser) placed the rings in the bathroom on May 7.
"If that were so, the jury's verdict would have been bound, in view of the judge's direction, to have been different."


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In April 1783, Portland was brought forward as titular head of a coalition government whose real leaders were Charles James Fox and Lord North. He served as First Lord of the Treasury in this ministry until its fall in December of the same year.
In 1789, Portland became one of several vice presidents of London's Foundling Hospital. This charity had become one of the most fashionable of the time, with several notables serving on its board. At its creation, fifty years earlier, Portland's father, William Bentinck, 2nd Duke of Portland, had been one of the founding governors, listed on the charity's royal charter granted by George II. The hospital's mission was to care for the abandoned children in London and it achieved rapid fame through its poignant mission, its art collection donated from supporting artists and popular benefit concerts put on by George Frideric Handel. In 1793, Portland took over the presidency of the charity from the Right Honourable Lord North.
Along with many other conservative Whigs (such as Edmund Burke), Portland was deeply uncomfortable with the French Revolution, and ultimately broke with Fox over this issue, joining Pitt's government as Home Secretary in 1794. He continued to serve in the cabinet until Pitt's death in 1806 - from 1801 to 1805 as Lord President of the Council, and then as a Minister without Portfolio.
When Pitt's supporters returned to power after the collapse of the Ministry of all the Talents in March, 1807, Portland was, once again, an acceptable figurehead for a fractious group of ministers who included George Canning, Lord Castlereagh, Lord Hawkesbury, and Spencer Perceval.
Portland's second government saw the United Kingdom's complete isolation on the continent, but also the beginning of recovery, with the start of the Peninsular War. In late 1809, with Portland's health poor and the ministry rocked by the scandalous duel between Canning and Castlereagh, Portland resigned, dying shortly thereafter.
He was Recorder of Nottingham until his death in 1809.
The Portland Vase of Roman glass was given its name due to it having been owned by Portland at his family residence at Bulstrode Park.
The department of Manuscripts and Special Collections, The University of Nottingham holds a number of papers relating to the 3rd Duke: the 3rd Duke's personal and political papers (Pw F) are part of the Portland (Welbeck) Collection; and the Portland (London) Collection (Pl) contains correspondence and official papers of the 3rd Duke, especially in series Pl C.
The Portland Estate Papers held at Nottinghamshire Archives also contain items relating to the 3rd Duke's properties.
On 8 November 1766, Portland first married Dorothy Cavendish, a daughter of William Cavendish, 4th Duke of Devonshire and Charlotte Boyle. They were parents of six children
Portland is a great-great-great-grandfather of Queen Elizabeth II (see Ancestry of Elizabeth II of the United Kingdom).


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The Secret Circle
Sneak Peek Photos for The Secret Circle Season 1, Episode 16: "Lucky"
Cassie catches Blackwell (guest star Joe Lando) sneaking around the abandoned house. After confiding in Adam, he tells her he knows Blackwell was looking for a device to drain witches' powers and clearly back to his old ways. Faye shows up at Lee's house to invite him to the school fundraiser, but is taken aback when Eva (guest star Alexia Fast) greets her at the door claiming to be Lee's girlfriend. Meanwhile, Melissa encourages Diana to date a normal guy and points her in the direction of a new, handsome guy in town (guest star Tim Phillipps). Dawn runs into Blackwell at the school but the reunion isn't quite what she expected.
Original Air Date: March 15, 2012 at 9 p.m. on The CW!


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Joining us for this segment were Tim Flannery, author of the new book THE WEATHER MAKERS....HE'S BEEN AN EXPLORER, SCIENTIST AND CONSERVATIONIST....HE'S TAUGHT AT HARVARD AND IS NOW A PROFESSOR AT THE UNIVERSITY OF ADELAIDE and the director of the South Australian Museum.
Marlo Lewis, Jr. is a Senior Fellow at the Competitive Enterprise Institute, where he writes on global warming, energy policy, and other public policy issues.
Marlo has been published in the Washington Times AND HE'S appeared on various television and radio programs, and his ideas have been featured in radio commentary by Rush Limbaugh and G. Gordon Liddy.
He holds a Ph.D. in Government from Harvard University and a B.A. in Political Science from Claremont McKenna College.
TIM FLANNERY writes that WE ARE REACHING A GLOBAL TIPPING POINT IN WHICH ONE OUT OF FIVE LIVING SPECIES WILL BECOME EXTINCT BECAUSE OF THE GROWING LEVELS OF GREENHOUSE GASES. During this program our two guests debated the speed at which global warming is ocurring; the cause of the melting of glaciers, mountain snow and icecaps; whether the problem will seriously effect life on earth and what government policy should be.comments powered by Disqus


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Search the Collection
Joanna of Navarre (1370?-1437), Queen of Henry IV
Sitter in 2 portraits
Joanna was the widowed Duchess of Brittany, and daughter of Charles II, King of Navarre. She became the second wife of Henry IV whom she married by proxy in 1401 and in person at Winchester in 1403. Her eccentric interest in astrology led to her becoming the centre of a witch-hunt and she spent her latter years first in protective custody at Pevensey from 1419-22 and then in private retirement.
by Elkington & Co, cast by Domenico Brucciani, after Unknown artist
electrotype, 1875 (circa 1408-1427)
On display in Medieval stairs: North at the National Portrait Gallery
'The Kings and Queens of England: From the Conquest to Queen Victoria'
by Henry Hering
albumen carte-de-visite photomontage, 1862
NPG Ax131392


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The Faeries of Arcadia go cavorting with the peers of the British House of Lords in Gilbert & Sullivan's deliciously eccentric Iolanthe. Some of Arthur Sullivan's most ambitious music coupled with WS Gilbert's charming libretto produce a whimsical and romantic yet sharp-toothed political satire that promises to delight audiences young and old.
Ed Dixon appeared at the Huntington in Iolanthe and A Midsummer Night's Dream.
Larry Carpenter is an American theatre and television director, and producer.
Daniel Pelzig's previous Huntington credits include The Jungle Book, Candide, H.M.S. Pinafore, The Mikado, Company, and A Christmas Carol.
Mariann Verheyen has designed for the Huntington since its premiere season. Her most recent credits include Fences and Present Laughter (IRNE Award).
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February 23, 2015 Classroom Update | Ms. Erin Sorel
Dear Parents, It seems like the weeks and months are flying by! Ms. Susie and I wanted to send our thanks for the treats and valentines and also to those of you who provided items for our class Valentine's Day party. Last week we also got a taste of Mardi Gras as Ms. Susie presented… Read more »


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Remote-controlled, dissolvable electronic implants have been created that could help attack microbes, provide pain relief and stimulate bone growth.
The spread of bacteria resistant to antibiotics – popularly called superbugs – is threatening to put the clock back 100 years to the time when routine, minor surgery was life-threatening. Some medical experts are warning that otherwise straightforward operations could soon become deadly unless new ways to fend off these infections are found.
Bacteria often evolve clever ways of evading chemical assaults, but they will always struggle to resist the old-fashioned way of killing them: heating them up. It takes only a relatively mild warming to kill bugs without discomfort or harm to tissues. So imagine if little electric heaters could be implanted into wounds and powered wirelessly to fry bacteria during healing before dissolving harmlessly into body fluids once their job is done.
This is just one potential application of the bio-absorbable electronic circuits made by John Rogers of the University of Illinois at Urbana-Champaign and his co-workers. The idea itself is not new: Rogers and others have previously reported biodegradable flexible circuits and electronic devices that can be safely laid directly onto skin. But their success in making their circuits wireless could prove crucial to many potential applications, especially in medicine.
The hope is that radio waves can be used both for remote control of the circuits – to turn them on and off, say, and to provide the power to run them, so that there's no need for implanted batteries. This kind of radio-frequency (RF) wireless technology is becoming ever more widespread, in food packaging, livestock labelling, tagging of goods in shops for security and in dustbins to monitor recycling, for example.
To make RF circuits, you need semiconductors and metals. Those don't sound like the kinds of materials our bodies will dissolve, but Rogers and colleagues used layers of non-toxic substances so thin that they disintegrate in water or body fluids. For the metal parts, they used films of magnesium at least half as thin as the average human hair. Magnesium is not only harmless but in fact an essential nutrient: our bodies typically contain about 25g (0.9oz) of it already. For semiconductors, they used silicon membranes 300 nanometres (millionths of a millimetre) thick, which also dissolve in water. They used magnesium oxide as an insulating material when required.
One of the simplest but most important components of an RF circuit is an antenna, which picks up the radio waves. Rogers and colleagues made these from long strips of magnesium foil deposited onto thin films of silk. Being non-toxic, biodegradable, strong and relatively cheap, silk makes the ideal base for such devices. These antennae, typically about four inches long, dissolve completely in water in about two hours. Although being buried beneath radio wave-absorbing body tissue would hamper performance, they should still receive enough signal for low power applications the researchers are considering.


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PTM Alumnus Honored as Professional of the Year
- PGM Major Interns in Arizona as Retail Coordinator
- 7th International Vernon Smith Prize
- PR welcomes Tom Hanley
- MIM students attend NAMM
- Corey Bledsoe wins Anita Benedetti Scholar
- Ethan Henderson: Amerisure Commercial Marketing Underwriter
- Graphic Design Success Spotlight: Ryan VanDyke
- PGA merchandise Show in Florida
Dan Beedle, a 2012 graduate of the Professional Tennis Management program, has wasted no time in earning recognition within the tennis industry as an outstanding professional. Among other successes since graduation, Beedle was recently honored as the 2013 USTA/Louisiana Tennis Professional of the Year as well as the 2013 USTA Southern Tennis Professional of the Year.
Currently, Beedle serves as the Head Professional at the Querbes Tennis Center in Shreveport, La. where he maintains a busy schedule that lead to his recent recognition. Since graduating from Ferris, Beedle has maintained his commitment to education by attending numerous educational events throughout the year including a 10 & under workshop, the USPTA Southern Convention, Cardio Tennis and TRX Cardio Tennis workshops to become a licensed provider, and the USPTA World Conference in Orlando, FL.
Beedle spends time working with USTA League teams, junior tennis teams, coaching USTA ranked juniors, and served as the tournament director for multiple events. His schedule has him on-court teaching 35-40 hours a week and serving as the primary stringer for the tennis center.
Additionally, Beedle volunteered over 50 hours to work with at risk youth, spending 2 hours a week helping children with learning tennis. He also volunteers with the Fun, Friends, and Fitness program designed to introduce new players to the game of tennis and donated lessons as prizes to the local community tennis association city circuit tournaments. Beedle has also served as mentor for a current PTM student completing their summer internship at Querbes Tennis Center.
Beedle has demonstrated how the Ferris State University core values of collaboration, diversity, excellence, learning, and opportunity can be applied to a career and lead to remarkable success. Dan Beedle is only at the beginning of his young career and by evidence of this past year we can expect great things as he looks to the future.