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It was the year of the Crusaders in New Jersey as Bergen Catholic went wire-to-wire in the Garden State once again. Read that story and others as we take a look back at the '14-'15 wrestling season
DePaul Catholic High School Photos
Less than 48 hours after an emotional Bergen County Tournament championship win over Bergen Catholic , the Don Bosco Ironmen were back on the field with their NJSIAA playoff lives on the line.
Photos from Don Bosco's 7-0 win over DePaul. 5/26/15
DePaul defeats Wayne Valley 19-4 in boys lacrosse
With the lights shining bright on senior night at DePaul Catholic High School, the Spartans rallied from an early 3-0 deficit against Wayne Valley, and exploded for a 10-1 run over the next quarter to take control and send their 13 graduates off with a 19-4 win.
Wayne Valley and DePaul Catholic will battle it out under the lights in Wayne, New Jersey on Wednesday night and the game can be seen live on MSGVarsity.com at 7:00 p.m.
Joe Anker faced just two batters over the minimum to pick up a 4-2 victory in six innings of relief and Dan Abate drove in two big runs for Wayne Hills.
The finals are set in Atlantic City for the New Jersey State Individual State Championships.
Bergen Catholic tied the modern NJSIAA record with four state individual state champions on Sunday including freshman Shane Griffith's Most Outstanding Wrestler award.
St. Peter's Prep's Connor Burkert had a huge win on Friday afternoon with a pin that sent him to the 138-pound quarterfinals.


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Wonderland of Rocks - North Mostly climbing260 routes in area
- 99% Unknown .4%Trad .4%Aid
- Grades: US
- Ascents: 73
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theCrag.com is a free guide for rock climbing areas all over the world, collaboratively edited by keen rock climbers, boulderers and other nice folks.
You can log all your routes, connect and chat with other climbers and much more...
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Local Brews Local Grooves series by ListenLocalSD. We play 8-9pm
Sounds Like: Paul Kelly, Lucinda Williams, Cracker, Neil Young, the Beat Farmers
Bio: The Cactus 5 have been serving up their unique mix of indie, folkie, rock ditties and power pop to San Diego since 2011. Off kilter stories of headless pirates, shipwrecks, shark-bitten surfer girls, multinational ghost towns and oat bran cigarettes. Heartfelt songs that are both refreshingly ori...See Full Bio
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London Sutton/Big Yellow Car Rental
|12 Kimpton Park Way
|SM3 9QS Sutton GB +44-844-4993399
|GDS - Code:
|10:30 - 17:00
|Tu. - Fr.
|09:00 - 17:00
|10:00 - 12:00
|11:00 - 13:00
|Bank holiday
|11:00 - 13:00
Welcome to London Sutton/Big Yellow Sixt rent a car
Location details
Opening Hours
|10:30 - 17:00
|Tu. - Fr.
|09:00 - 17:00
|10:00 - 12:00
|11:00 - 13:00
|Bank holiday
|11:00 - 13:00
Contacts / Lost & Found
SIXT # London Sutton/Big Yellow LONC36
|12 Kimpton Park Way
|SM3 9QS Sutton
|Phone no.
Location plan - how to find us
Please note whilst we do keep great cars in this location in specially marked Sixt parking bays, we are not in an office and are therefore offering a personal Meet & Greet experience. Upon arrival at the location a friendly member of the Sixt team will meet you at the reception of the Big Yellow Storage. Please provide your e-mail address and mobile number to ensure the best possible service.
1. Depart from Grove Road (A232). 2. Turn right onto Sutton Park Road and bear right onto Cheam Road. 3. Turn left onto St. Nicholas Road then turn left onto West Street 4. Turn right onto Robin Hood Lane and continue straight ahead onto Collingwood Road, turning right onto A217. 5. At the second set of traffic lights turn left and we are located on the left hand side.
1. From the A235, turn right onto Lower Coombe Street (A212). 2. At the roundabout take the 2nd exit onto A236, continue straight ahead onto A232 then turn right onto the A23, Purley Way. 3. Turn left onto Croydon Road (A232) then right onto West Street (B278). 4. At the roundabout take the second exit onto Reigate Avenue, at the lights turn left onto Kimpton Park Way, our location will be on the left hand side.
By Train: Get the train to Sutton Common then follow bus directions or walk ten minutes. Directions to the branch: 1. Head north up Sutton Common Road. 2. Turn left onto Clensham Lane. 3. Turn right onto Stayton Road. By Bus: From Sutton Common take the S3 on St Johns Road towards Malden Manor. Directions to the branch: 1. Get off at Sutton Cheam Tesco. 2. Turn right onto Wealdston Road. 3. Turn left onto Kimpton park way.
Categories and services at this location
- Compact Cars & Sedans
- Sports cars & convertibles
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Scientists say they can create meteors on demand
July 7, 2015, 1:45 p.m. by Sarah Lewin, SPACE.com
In addition to their beauty, these man-made meteors could be a boon to researchers.
Check out the scorpion in July's night sky
July 7, 2015, 10:45 a.m. by Joe Rao, SPACE.com
Scorpius is a treat to behold, and it contains some of the finest, visible deep-sky objects.
Glitch won't affect New Horizon's Pluto flyby
July 6, 2015, 10:33 a.m. by Mike Wall, SPACE.com
The probe went into safe mode due to 'a hard-to-detect timing flaw.'
New theory suggests the universe is ringing like a giant bell
July 1, 2015, 7:16 p.m. by Bryan Nelson
Not only might the universe be expanding, but it may also be 'ringing' at the same time, which could profoundly change how we understand the cosmos.
World Asteroid Day reveals threat to our planet from near-Earth objects
June 30, 2015, 2:07 p.m. by Michael d'Estries
First-ever event aims to raise awareness of the cataclysmic potential of asteroids and how we might stop them.
SpaceX rocket failure doesn't threaten ISS crew
June 29, 2015, 9:46 a.m. by Calla Cofield, SPACE.com
NASA has a number of contingencies in place for these sorts of setbacks.
Weird planet exudes a cloud of gas
June 25, 2015, 11:17 a.m. by Charles Q. Choi, SPACE.com
The cloud is estimated to be 2 million miles in diameter and 9 million miles long.
Watch a massive solar storm charge up the aurora borealis
June 23, 2015, 9 a.m. by Catie Leary
Catching the aurora borealis during a massive solar flare is an experience of a lifetime. Just ask this photographer.
8 jaw-dropping photos from NASA's new image gallery
June 22, 2015, 9:20 p.m. by Michael d'Estries
The space agency's new online repository of more than 100,000 photos is now available to all Earthlings.
15-year-old intern discovers new planet
June 20, 2015, 1:30 p.m. by Jenn Savedge
Instead of running errands, Tom Wagg used his one-week internship to earn a place in history.
Support of religious groups may bolster space journeys
June 16, 2015, 3:31 p.m. by Elizabeth Howell, SPACE.com
Believers whose leaders discuss science in a positive light are more likely to be keen on space travel.
Comet lander Philae calls home after months of silence
June 15, 2015, 10:06 a.m. by Tariq Malik, SPACE.com
The European Space Agency's spacecraft received enough sunlight to charge up its solar battery.
How to spot asteroid Pallas in the sky this week
June 12, 2015, 3:28 p.m. by Geoff Gaherty, LiveScience
At 224 million miles away from Earth, you'll need binoculars or a telescope to see this rocky asteroid.


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(PRWEB) September 03, 2013
According to The Intelligencer / Wheeling News-Register article on 8/28, Curbing Abuse of Painkillers, that in Ohio, prescription drug abuse is rising at a very high rate and is a leading cause of death in the state, passing the rate of deaths on the highways. Abuse of powerful painkillers such as oxycodone and hydrocodone are the main reasons for the alarming statistics including a death rate of four people a day between 2006 and 2008, according to the Ohio State Medical Association.
Whether someone suffering from a drug dependency, it is highly important to seek the professional counseling and assistance found at a qualified detox center such as Harbor Village. A 24/7 medically supervised facility, Harbor Village allows each client to receive private drug treatment in a luxury, state-of-the art environment. Located in South Florida, clients are welcomed with upscale accommodations including a suite with satellite television, 30,000 square feet of outdoor lounge area, spa, salon, massage and acupuncture services, Internet and NetFlix access, nutritious, gourmet dining and a results proven plan for recovery.
As posted in the article, Curbing Abuse of Painkillers, even though a new law was enacted in 2011 to slow down drug abuse, misuse of potent prescription drugs has only increased.
Abuse of prescription drugs has much i
|Source: PRWeb
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Israel considers drafting its Arab citizens
Plans to reform Israel's draft law include the possibility of requiring Arab citizens of Israel to perform non-military national service. Serve us first, many of them say.
Baz Ratner/Reuters
Thousands of Israel's Arab citizens could soon be asked to do national service for their country, but many are pushing back, saying Israel has yet to serve them.Â
"When the moment comes and we are asked to perform civil service, we will resist," said Nizar Hilawa, an Israeli Arab activist at a recent festival in the Israeli town of Nazareth. "Israel wants us to do service to the state, but first of all this state has to treat us as equal citizens."
Israeli Prime Minister Benjamin Netanyahu has made military draft reform a top priority, primarily to "share the burden" of military service between Israel's secular and ultra-Orthodox Jews, who are currently exempt from serving in the Israeli Defense Forces. This month Mr. Netanyahu proposed a bill suggesting that by 2016, some 6,000 ultra-Orthodox Jews should serve in the IDF.Â
The bill also includes a less-talked-about provision that would require 5,000 Arab citizens of Israel to perform national service. Resistance is coalescing among Israel's 1.5 million Arabs, who make up about 20 percent of Israel's total population. Like the ultra-Orthodox, they have been exempt from compulsory service since Israel's inception.Â
Netanyahu's office ruled out the possibility of compulsive military service – a scenario Israel's Arab community has long feared – earlier this month, but it will become a reality for civil service, says Mark Regev, an Israeli government spokesman. "We want to see an incremental process where more and more Arabs perform the service," Mr. Regev says.
Skepticism about equality abounds
Previously, Israeli Arabs could volunteer to do various types of national service. The number who choose to do so has increased by 60 percent since 2011, reaching 2,400 Arab volunteers in 2012, Israeli newspaper Haaretz reported. Israeli officials have emphasized that national service opens doors and job opportunities for Arabs and have criticized Israeli Arab leaders for their opposition.
Under the new law, national servants would work in various social service and health-care institutions, such as hospitals, schools, and community centers (similar to those volunteering already). In theory, performing such national service would entitle Israeli Arabs to the perks that a Jewish Israeli who has completed military service enjoys: cash grants, discounted mortgages, better access to government jobs, and financial aid and housing at Israeli universities.
But many Arabs in Israel think they'll continue to be discriminated against, despite performing national service intended to make them equal to Jewish Israelis. And while about 41 percent of the Jewish public agreed that Arabs should be required to perform military or civil service at the age of 18, according to a June survey by the Israel Democracy Institute, about 45 percent said the current situation, where Israeli Arabs serve on a voluntary basis, should remain.
According to a 2009 survey conducted by the Israeli-Arab youth association Baladana – as part of the organization's effort to convince Israeli Arab youth not to volunteer for national service, according to Haaretz – 64 percent of Israeli Arabs between the age of 17 and 20 believed then that national service "was an impractical solution for creating equality between Arab and Jewish Israeli citizens."
As a non-Jewish minority in a state that defines itself as Jewish, Arabs often complain about unequal access to land and discriminatory legislation, such as the Citizenship and Entry into Israel Law, which prohibits Palestinians from the West Bank or Gaza who are married to Israeli citizens from acquiring Israeli residency. Most of them strongly identify with Palestinians.
In a recent report, the International Crisis Group described Arab citizens of Israel as "politically marginalized, economically underprivileged, ever more unwilling to accept systemic inequality."Â
No benefits, no loyalty
One of the speakers at the festival held in Nazareth last week was Fida Zidan, a 23-year-old woman from Israel's Druze community. The Druze have enjoyed a special status in Israel and are officially treated as an ethnic and religious group distinct from Arabs. Most important, they have been required to serve in Israel's army for decades, with the exception of the Druze of Syrian origin who live in the Golan Heights.Â
"The Druze gave Israel loyalty because they thought they will get full rights in return. But today we see that this loyalty has not brought us much," Ms. Zidan says.Â
Two of Zidan's brothers died while serving in the IDF. One died in an accident; the other during fighting in south Lebanon. She says she and her only remaining brother have since rediscovered their Arab identity, and now emphasize their solidarity with Palestinians, not their fellow Israeli citizens.
"Many Druze don't really feel Israeli, just like Arabs," she says.
"The Druze made a historical decision to serve in the army, but a younger generation realizes now it was a mistake," says Ilan Pappé, an Israeli historian and professor at Exeter University. "They have hardly benefited economically or socially from this."
Mr. Pappé, who is a prominent critic of Israeli policies toward Palestinians, says that today's Arab citizens of Israel understand that contributing to the common good by performing national service will not make them equal citizens.
"Non-Jews in Israel will never be equal citizens, whether they serve in the army, do national service, or not," he says.


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2008 Dodge Ram 1500
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Cruz R.
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2008 Dodge Ram 1500
I am about to buy a 2008 Ram 1500 4.7L 2wd with a little less than 96k miles. it is completely stock. i was wondering what kind of mileage i should be expecting with this....i have a few mods i want to do like: Tow mirrors, 20x10" XD Monsters or 22x14" Fuel hostage wheels. and then tires to fit them, then around an 8 inch lift. so then 37" tires, running boards, smoked out halo headlights and fog lights, smoked brake lights and 3rd brake light. the light bar under the tailgate. L.E.D. interior lights and all exterior lights that i can, all new system stuff, component 6.5" KS series kicker speakers for rear doors, and KS series 6x9 speakers for the front doors. and then a nice headunit (radio), 2 10" Kicker CVX subs or 2 12" Kicker CVR subs...i have the 12's already, but would sell for the CVX 10"s.
but for real performance stuff...i want to to dual exhaust, CAI, and i want to do a chip/programmer/tuner...but i need help with that. but after everything but the chip/tuner...what should my mileage be?? and is there anything else i can do performance wise that would help?? please series comments. i know the lift and rims and tires won't help. but i want that done...and will work around that.
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Someone who would chat up practically anything with a pulse, also likely to get off on anything stumbled accross in picture/ vid/ dvd form if apparent that it would have a pulse!
Be careful, x has been known to be a real pulsator.
by Nice kitty. January 18, 2005


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Just prior to the Arthamptons opening, I met with Ruth Appelhof, Executive Director of Guild Hall, who will receive the Arthamptons Lifetime Achievement Award on July 5. Over eggs Benedict at the Maidstone in East Hampton, we talked.
The world continues to be stunned and confused by the announcement that Kristen Wiig and Will Ferrell are starring in A Deadly Adoption, a Lifetime movie premiering this weekend.
The first-rate revival of Arthur Miller's tragedy All My Sons at Guild Hall's John Drew Theater is a reason to celebrate theater out east. With a cast led by Alec Baldwin and Laurie Metcalf, under Stephen Hamilton's direction, the drama moves quickly through the moral dilemma of an American family post-World War II.
Supermodel Kate Moss is in hot water after being escorted off of a plane in Europe last weekend for "disruptive behavior." While this is a short-term hit to her reputation, it could be a winner in the long run if she plays her cards right.
The glamorous Cannes Filmfestival is much more than just a film festival where the French welcome world cinema. Apart from one of the most prestigious festivals, it is also a marketplace for many things.
The familiar Googie-styled "Welcome to Fabulous Las Vegas Nevada" sign is iconic and instantly recognizable. The designer Betty Willis has recently passed away.The Welcome sign was installed in 1959 where it has been welcoming Hawaii people ever since.
There are currently no female flavors of Ben & Jerry's ice cream (even Tina Fey would agree that, while "Greek frozen yogurt" is certainly a healthy ice cream alternative, it is not the same as ice cream).
Gopi Kallayil, the Chief Evangelist at Google, inspired a room filled with close to 300 guests in formal attire to stand up and practice yoga with him at he Bent on Learning Inspire Gala. We were there to celebrate the incredible work of an organization that brings weekly yoga classes to thousands of students in the New York City Public Schools.
If you know her seemingly effortless performances, you what he means. She went on to present the first lifetime achievement award of the night, for visual art, to photographer Ralph Gibson.
On October 11, 1975 NBC's Saturday Night with host George Carlin debuted on NBC. At the time, ABC had a program called Saturday Night Live with Howar...
As always none of what has been written here should be construed as advice, except to recommend that you go and see Still Alice.
Stewart's character is the only one who can face her mother, illness and all, head-on with love, sympathy and the innate decency not to treat her any differently. Alice's relationship with Lydia is the tie that truly binds.
Each month the show's creators, Alistair Barrie and Nick Revell, stir a pot of lively discussions featuring journalists and comedians. This month it's Hal Cruttenden, Michael Deacon, Jo Jo Smith and first-timer James O'Brien (who normally serves as the host for the show.)
There was such a spirit of joy, of connectedness and hope at the Be Beautiful, Be Yourself Fashion Show. The outpouring of love was reflected in an outpouring of support as a wonderfully executed live and lively auction brought out cheerful givers, open hearts and open pocketbooks.
Radiant in black taffeta on Guild Hall's stage after the movie Still Alice screened, Julianne Moore said the way you play a woman with degenerating ea...
The war in Vietnam still conjures volatile emotions for those who lived during that heady time in the '60's and '70's. That's why Alec Baldwin insiste...


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It is a cold winter day and this chic girl is preparing to go to a fancy party where she and her friends are going to have a lot of fun. She is a very trendy and stylish person and she would like to look perfect for this occasion, to be admired by all the other guest. Help her get dressed as cool as you can, check out her chic winter wardrobe, her fancy accessories and the hairstyles available in this game and find the perfect ones to give the girl a glamorous look. Enjoy!
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Media Player Classic, now part of the mpc-hc project4,922 weekly downloads
Audacity Remote Controll
A little external scheduler for Audacity. Win32 only.1 weekly downloads
Computer Musicians\' World
Computer Musicians\' World is a music creator, modeller and manipulator program. With texture analysis you can represent the structure of music. A score editor, wave editor and a tracker also included as other types of music models.0 weekly downloads
Dallamolo, a note programming standard
Dallamolo is a program plays notes you programmed from a text file. It has a syntax reader. You can program rhytym patterns and accords with it.0 weekly downloads


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Metazen is an online fiction zine that publishes short fiction and poetry by various authors. Metazen is a flytrap for metafiction, existentialism and absurdism. It harbors all kinds of filth such as neurotic characters, obscure philosophies, love for inanimate objects and quests toward enlightenment. Sometimes the same people who write these sorts of stories make films that are just as absurd and/or existential, with characters just as despicable and unrealistic as anything you're likely to find depicted in the written word.
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Part of Massey University's Wellington campus.
Buckle St, Mt Cook, Entrance D, Wellington
Part of Massey University's Wellington campus.
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6 signs Affleck-Garner divorce was nigh
No Klum, but Under the Gunn is more than stitch and bitch
TV shows learn from past stereotypes
Review: The Emperor's New Clothes
Patrick Ness's The Rest of Us Just Live Here is young adult fiction at its best
How to write a great short story: advice from Stephanie Johnson and Paula Morris
Stephen Colbert's bizarre interview with Eminem
Review: Charlotte Grimshaw's Starlight Peninsula charts Auckland's glitterati
Vincent O'Malley: The Best Books I Never Wrote
Julia Roberts cast in Garry Marshall's Mother's Day, world despairs
Michael Fassbender, Kate Winslet and Seth Rogen star in new Steve Jobs biopic
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WORKING PAPER SERIES Do Casinos Export Bankruptcy? Thomas A. Garrett and Mark W. Nichols Working Paper 2005-019A http://research.stlouisfed.org/wp/2005/2005-019.pdf March 2005 FEDERAL RESERVE BANK OF ST. LOUIS Research Division 411 Locust Street St. Louis, MO 63102 ______________________________________________________________________________________ The views expressed are those of the individual authors and do not necessarily reflect official positions of the Federal Reserve Bank of St. Louis, the Federal Reserve System, or the Board of Governors. Federal Reserve Bank of St. Louis Working Papers are preliminary materials circulated to stimulate discussion and critical comment. References in publications to Federal Reserve Bank of St. Louis Working Papers (other than an acknowledgment that the writer has had access to unpublished material) should be cleared with the author or authors. Photo courtesy of The Gateway Arch, St. Louis, MO. www.gatewayarch.com Do Casinos Export Bankruptcy? Thomas A. Garrett Research Division Federal Reserve Bank of St. Louis P.O. Box 442 St. Louis, Missouri 63166-0442 (314) 444-8601 email@example.com Mark W. Nichols Department of Economics Mail Stop 030 College of Business Administration University of Nevada, Reno Reno, Nevada 89557-0016 (775) 784-6936 firstname.lastname@example.com JEL Codes: R10, D12, L83 Keywords: Casino gambling, bankruptcy, export Abstract This paper measures the extent to which destination resort casinos export bankruptcy back to visitors' home states. Previous literature has alluded to this possibility, but to date studies have only examined the influence of local casinos on local bankruptcy. Using various survey data, we calculate the number of visits from each state to casino resort destinations in Nevada, New Jersey, and Mississippi. We find strong evidence that states having more residents who visit out-of-state casino resorts have higher bankruptcy filings. This effect is dominant in the south, suggesting that casinos located in wealthier regions are less likely to export bankruptcy. * The views expressed here are those of the authors and do not necessarily reflect the views of the Federal Reserve Bank of St. Louis or the Federal Reserve System. Molly D. Castelazo and Lesli Ott provided research assistance. Do Casinos Export Bankruptcy? I. Introduction Casino gambling has now established itself as a major economic and social presence in the United States. Commercial casino gambling is available in 11 states and Native American casinos are present in 23 states.1 In 2003, adjusted gross revenue from commercial and Native American casinos totaled nearly $44 billion, or nearly 60 percent of all gambling revenues in the United States (Christiansen, 2003).2 Thirty-eight percent of U.S. casino revenue was generated from three jurisdictions: Nevada ($9.6 billion), Atlantic City, New Jersey ($4.5 billion), and Mississippi ($2.7 billion).3 Casinos in Nevada, New Jersey, and Mississippi are predominately tourist destinations, or what Eadington (1998) has termed "destination resort casinos." These destination resorts are characterized by the presence of multiple casinos, thousands of hotel rooms, gourmet restaurants, multi-day stays by visitors, and other amenities typical of a vacation resort, such as spas, golf courses, and nightclubs. Clearly, the casino resorts in Nevada, New Jersey, and Mississippi differ from others areas of the country, such as small Native American and commercial casinos in the Midwest, which draw gamblers mostly from the local community and offer a less formal gambling environment. Visits to these destination resort casinos are not trivial. For example, according to the Las Vegas Convention and Visitors Authority, 35.5 million people visited Las Vegas in 2003 1 Commercial casinos refer to casinos owned by publicly traded corporations. 2 Available at http://www.grossannualwager.com/. Adjusted gross casino revenue is equal to total wagers minus player winnings. Other sources of gambling revenue include state lotteries, pari-mutuel racing, and racinos (gaming devices located at pari-mutuel tracks). 3 Revenue figures were gathered from various gaming control board websites. For an excellent centralized source of casino revenue data, see the UNLV Gaming Studies Research Center at http://gaming.unlv.edu/resources/statistics/revenue.html. 2 and spent $32.7 billion dollars. Forty-percent of these visitors lived outside the western United States, and 30 percent of visitors to Las Vegas were from California. Reno had 4.8 million visitors in 2003, with 44 percent visiting from California and 7 percent visiting from both Oregon and Washington. Laughlin, Nevada had approximately 4.3 million visitors in 2003, with 40 percent originating from California and 23 percent from Arizona. The Atlantic City Convention and Visitors Authority reports that 32.3 million people visited Atlantic City in 2003. According to the New Jersey Division of Tourism, nearly 64 percent of all tourist visits to New Jersey, including visits to casinos, are from out-of-state. The Mississippi Gulf Coast Convention and Visitors Bureau estimates that 78 percent of Gulf coast gaming revenue is generated from out-of-state visitors, and the Mississippi Gaming Commission reports that, on average, only 33 percent of visitors to Mississippi resort casinos live in the state of Mississippi.4 Destination resort casinos create the greatest number of jobs, tax revenue and other economic benefits (Eadington, 1998, 1999). By attracting visitors from outside of the region, destination resort casinos effectively export gambling services to those regions where tourists originate. While these casinos provide entertainment for millions of visitors who contribute to the local and state economies, an interesting question is the extent to which various problems associated with casino gambling, such as bankruptcy and addiction, are also exported to the regions where tourists live. Barron et al. (2002) note the possibility that a destination resort 4 Data for Las Vegas are from http://www.lasvegas24hours.com/pdf/historical_visitor_statistics.pdf. Reno data are from the 2003 Marketing Report, available at http://www.visitrenotahoe.com/about/2003marketingreport.pdf. Laughlin data are from http://www.lasvegas24hours.com/press/laughlin_profile.html. Atlantic City and New Jersey data are from http://www.atlanticcitynj.com/resources_research.asp and http://www.state.nj.us/travel/industry/research.shtml. Information for Mississippi is from the Mississippi Gaming Commission (http://www.mgc.state.ms.us) and "Fiscal Year 2003 Economic Impact for Tourism in Mississippi," available at http://www.visitmississippi.org/press_news/Total_fy03_TR_report.pdf. Both Nevada and Mississippi also have Native American casinos, but none qualify as a destination resort casino based on the definition by Eadington (1998). 3 casino may be a net exporter of 'negatives' given the fact that many of its patrons are tourists who take their problems, including financial losses, home with them. This paper attempts to quantify the extent to which destination resort casinos export negatives back to a visitor's home state. Specifically, we explore the influence that out-of-state visits to destination resort casinos have on personal bankruptcy rates in visitors' home states. II. Personal Bankruptcy and Casino Gambling The number of personal bankruptcy filings in the United States increased about 126 percent between 1990 and 2004, from just over 700,000 in 1990 to nearly 1.6 million in 2004. Figure 1 demonstrates this rising trend in personal bankruptcy filings, despite declines in 1993 and 1994 as well as 1999, 2000, and 2004. [Figure 1 about here] Various social, economic, and demographic factors have been hypothesized to contribute to the growing number of personal bankruptcies. These factors include rising debt levels and easier access to credit (Shephard, 1984a; Domowitz and Sartain, 1999), higher divorce rates (Shephard, 1984a; Heck, 1981), changes to bankruptcy laws (Shephard, 1984b; Boyes and Faith, 1986), changes in economic conditions (Eckstein and Sinai, 1986; Domowitz and Eovaldi, 1993), and a decreased social stigma attached to bankruptcy (Sullivan et al., 1988, 1989). The simultaneous spread of casino gambling and rising bankruptcy rates in the 1990s has been noted and studied for evidence of a causal relationship. Research has provided mixed results. The Treasury Department (1999), using data from 1962 to 1998 and applying an intervention model, found no measurable effect of gambling on personal bankruptcy rates in 4 Mississippi and New Jersey. Expanding on the study performed by the Treasury Department, de la Vina and Bernstein (2002) examined county level bankruptcy rates for the years 1988 to 1996. After controlling for county-level fixed effects and the unemployment rate, the authors found no significant relationship between casino gambling available within 50 miles and personal bankruptcy filings. Thalheimer and Ali (2004) examined personal bankruptcy rates over the period 1990 to 1997 in the riverboat gambling states of Iowa, Illinois, Missouri, and Mississippi. Controlling for various social, economic, and legal factors, the authors found that access to casino gambling had no significant influence on personal bankruptcies. However, Thalheimer and Ali (2004) estimated that personal bankruptcy rates, on average, would have been 0.4 percent lower in the absence of casino gambling. Nichols et al. (2000) used a difference-in-difference methodology to compare bankruptcy rates in eight communities that adopted casino gambling during the 1990s with a group of control communities, matched by a set of fifteen economic and demographic characteristics. Bankruptcy rates in seven casino communities were higher than their matched group of control communities after the casino opened, but only five of the seven cases were statistically significant. In one community studied, Biloxi, Mississippi, bankruptcy rates were lower after the casinos opened, but this change in bankruptcy was not statistically significant. Evans and Topoleski (2002) used a difference-in-difference methodology similar to Nichols et al. (2000) to examine the influence of Native American casinos on surrounding communities. Counties with Native American casinos and counties within fifty miles of a 5 Native American casino were compared to non-gaming counties between 1989 and 1999.5 Evans and Topoleski (2002) found that personal bankruptcies significantly increased by 10 percent in counties with Native American casinos and 7 percent in counties within fifty miles of a casino four years after the casino opened. However, the authors noted that while this increase was large, it accounted for only a small percentage of the total increase in personal bankruptcies over the last fifteen years. A recent paper by Barron et al. (2002) echoes the local, but small, aggregate influence of casino gambling on bankruptcy. Using county-level data for the period 1993 to 1999 and controlling for numerous economic and socio-demographic factors, such as the level of consumer debt, income, job tenure, divorce rates, health insurance coverage, and wage garnishing laws, Barron et al. (2002) found that casino gambling had a positive and significant influence on personal bankruptcy. They noted that without gambling, counties with or adjacent to casinos would have had bankruptcy rates that were 5.4 percent lower in 1998. Nationwide, however, the reduction in bankruptcies would have only been 1 percent. All of the above studies examined the localized influence of casino gambling. That is, they explored the influence of local casino gambling on local bankruptcies. No study to date has explored the influence that destination casino resorts such as those in Nevada, New Jersey, and Mississippi have on bankruptcy filings for individuals living in communities across the country that visit these resorts. As noted by Barron et al. (2002, page 454), "it is certainly possible and perhaps likely that some of the ill effects of casino gambling are exported back to the counties where tourists reside." 5 Excluded from the analysis were states with no Native American owned casinos (New Jersey, Delaware, Illinois, Indiana, Missouri, and West Virginia), states with Native American and non-Native American owned establishments (Colorado, Iowa, Mississippi, Nevada, and South Dakota), and Oklahoma. 6 III. Data and Hypotheses The main focus of this paper is to test the hypothesis that visits to destination resort casinos in Nevada, New Jersey, and Mississippi increase bankruptcy rates in the states where tourists to these casino resorts reside. We also explore whether bankruptcy rates in the three casino resort states are higher than other states, both nationally and regionally. As noted in Eadington (1998), casino gambling may lead to an increase in local bankruptcies, or conversely, it may reduce bankruptcies via an increase in economic growth resulting from casino gambling. We obtain state-level non-business bankruptcy filing data (Chapter 7 and Chapter 13) for the 48 contiguous states for the years 2001 and 2002. These data are available from the Administrative Office of the U.S. Courts. Casino Visits and Availability Our variable of interest is the per capita number of visits from each state to the three casino resort states of Nevada, New Jersey, and Mississippi. Data were obtained from the 2002 and 2003 Profile of the American Casino Gambler: Harrah's Survey to calculate the number of visits from each state to Nevada resort casinos and New Jersey resort casinos. Data were obtained from the Mississippi Gaming Commission to calculate the number of visits from each state to Mississippi resort casinos.6 The casino resort destinations in each state are: Nevada - 6 The Harrah's Survey is based on surveys conducted by Roper Reports and NFO WorldGroup. Roper conducted face-to-face interviews of 2,000 men and women. NFO WorldGroup mailed a survey questionnaire to 100,000 adults and 3,300 adults who were pre-identified as gamblers. These surveys are done annually. The latest Harrah's Survey (2004) does not report the percentage of all visits to casino destinations, making our calculation of per capita visits impossible. Current and past surveys are available from Harrah's at http://www.harrahs.com/about_us/index.html. Quarterly visitation reports for Mississippi casinos are available at http://www.mgc.state.ms.us/. Data from these quarterly reports were summed to arrive at annual totals for 2001 and 2002. 7 Reno, Las Vegas, Laughlin, and Lake Tahoe; New Jersey - Atlantic City; and Mississippi - Tunica and the Gulf coast.7 For calendar years 2001 and 2002, the 2002 and 2003 Harrah's Survey lists the number of "gambling trips" (the number of gamblers times the number of casino visits) made by residents in each state and the percentage of these gambling trips that were made to casino resorts in Nevada and New Jersey (as well as other gambling locations). Similarly, the Mississippi Gaming commission reports the number of trips made from each state to Mississippi resort casinos as well as the total number of visits to Mississippi casinos. Using the information obtained by the Harrah's Survey and the Mississippi Gaming Commission, we calculated per capita visits to each casino resort state i, from state j as PCVISITi,j = {(GamblingTripsj) x (PercentVisitsi,j)}/POPj, where GamblingTripsj is the number of casino trips made by residents of state j, PercentVisitsi,j is the percentage of gambling trips to a casino resort state i from state j, and POPj is the population of state j.8 For the three resort states, PCVISIT = 0.9 If, as suggested by Barron et al. (2002) and others that visitors to destination resort casinos take their problems home with them, we would expect higher bankruptcy rates in states that have a greater number of per capita visits to these casino destinations. 7 Classification as a casino resort is done by authors and is based on the definition of a destination casino resort stated by Eadington (1998). 8 Several points: (1) If Nevada's resort casinos accounted for less than three percent of a state's total casino visits, no visitation data was reported in the Harrah's Survey. As a result, 2002 visitations to Nevada from Arkansas, Louisiana, Missouri, Mississippi, Maine, Montana, Vermont, Tennessee, and Wyoming were obtained from airline data compiled by the Las Vegas Convention and Visitors Authority (www.lvcva.com). (2) Visits to Nevada in 2001 from Louisiana, Maine, Mississippi, Montana, Vermont, and Wyoming use 2002 airline data compiled by the Las Vegas Convention and Visitors Authority. (3) Visits to Mississippi from Kentucky, South Carolina, and Virginia for 2001 and 2002 are from the Harrah's Survey. The Mississippi Gaming Commission did not report visits from these states, listing visits from these states in an 'other' category. 9 This is to ensure that the out-of-state, or exported, externality is the primary effect captured by PCVISIT. Residents of Nevada, Mississippi, and New Jersey clearly gamble in their respective states, however, so our empirical models include other variables that capture the localized influence of casino gambling on local bankruptcy filings. 8 Given that gambling is widespread across the United States, it is critical to control for the extent of casino gambling in the state where the tourists reside in order to determine the net effect that visits to our chosen destinations have on personal bankruptcy. We use data on total casino gaming revenue, including both commercial and Native American, for each state in 2001 and 2002 as a measure of casino presence.10 Commercial casino revenue is available publicly from the various state gaming agencies. Casino revenue figures for Native American casinos, however, are generally not available due to the sovereign status of Native American tribes. Therefore, we use a unique set of state-specific estimates provided by Meister (2005). The expected influence of casino gambling on same-state personal bankruptcy filings is ambiguous. The literature reviewed above offers mixed results, with some studies finding that casino gambling causes bankruptcy rates to rise while others find no effect. Based on past literature, we anticipate that states with a greater presence of casino gambling may have a higher, but possibly only marginally so, incidence of personal bankruptcy filings. Economic and Demographic Controls According to the Consumer Federation of America, income shocks such as divorce, unemployment, or medical expenses, are greater contributors to bankruptcy than a profligate lifestyle (Burke, 1998). Shephard (1984a, page 217) notes that "[bankruptcy] petitioners are more apt to be unemployed, recently divorced, members of racial minorities and heavy users of credit." As a result, several variables are included in our empirical models to control for these income shocks. 10 Revenue data from racinos (casinos at pari-mutuel tracks) is also included in total gaming revenue. Racino states include Delaware, Iowa, Louisiana, New Mexico, Rhode Island, and West Virginia. Some of these racinos (e.g. Delaware and West Virginia) are part of the state's lottery. 9 We include state-level per capita income to control for variations in income levels across states. Greater per capita income, an indicator of greater asset levels and also a key component of net debt, is expected to reduce per capita bankruptcy.11 To account for income shocks such as medical expenses, divorce, or job loss, we include the state unemployment rate, divorce rate per thousand people, and the percent of the population with privately or publicly provided health insurance coverage.12 States with higher rates of divorce and unemployment are expected to have higher bankruptcy rates, whereas states having a higher percentage of their population covered by health insurance are expected to have lower bankruptcy rates. Descriptive statistics and sources for all continuous variables used in the analysis are shown in Table 1. It is interesting to note that the average per capita bankruptcy rate is 0.005, or about five in 1,000 people. The average per capita casino visits is 0.4127, indicating that states average approximately one casino resort visit for every 2.5 people. Average per capita visits to Mississippi is roughly one in five people, whereas per capita visits to Nevada and New Jersey average one in 6.5 people and one in 17 people, respectively. [Table 1 about here] IV. Empirical Model and Results The basic model used to estimate the influence that visits to destination casino resorts have on personal bankruptcy filings is: 11 The level of debt is an important determinant of bankruptcy. Data on debt, however, are only publicly available at the national level. Moreover, changes in debt levels are likely to be more important in explaining changes in bankruptcy over time as opposed to across states or regions, where less variation is likely. We estimate models with both state and regional dummy variables to account for state and regional specific effects such as debt. 12 We also considered average job tenure in our empirical models. This variable was insignificant in all specifications and lowered the adjusted R2. A year dummy variable was also considered, but this variable was insignificant. 10 BANKPC j , t = β 0 + β 1PCVISITj , t + β 2CASREVj , t + β 3 PCINC j , t + β 4UNEMPj , t + (1) β 5 DIVj , t + β 6 HLTHCOV j , t + β 7 NV + β 8 MS + β 9 NJ + γREGION BANKPCj,t is the per capita bankruptcy rate for state j in year t, where t = 2001, 2002. PCVISITj,t is the number of visitors from state j in year t to resort casinos in Nevada, Mississippi, and New Jersey, examined both in aggregate (i.e., all three destinations combined) and individually. CASREVj,t is total casino revenue in state j in year t. UNEMPj,t, DIVj,t, and HLTHCOVj,t are the unemployment rate, divorce rate, and percent of the population with health coverage, respectively, for state j in year t. The remaining variables control for state and regional effects. Regional dummy variables based on Bureau of Economic Analysis definitions are included.13 Separate dummy variables for Nevada, Mississippi, and New Jersey are included to compare bankruptcy rates of these states with the bankruptcy rates in other states in the region and nationally. According to Eadington (1998), local casino gambling can have ambiguous effects on local personal bankruptcies. The large presence of casinos in these states may lead to increases in income and employment that are sufficient to reduce the incidence of bankruptcy. Alternatively, the greater presence of casinos, particularly for Nevada where gambling is very widespread, may lead to higher bankruptcy rates. The net result depends upon which of these two effects is greater. Four specifications of equation (1) are estimated and the results are shown in Table 2. The first three specifications are estimated by OLS. As a test for robustness, the fourth specification considers state-level random effects and was estimated by GLS.14 As seen in Table 2, the estimates from the random effects model are very similar to the OLS results. 13 The Northeast region is omitted in all regressions. 14 The Hausman test statistic for testing fixed versus random effects was 7.84, less than the χ2 five percent critical value of 12.59. We do not include state fixed effects because we wish to see how bankruptcy rates in casino resort state compare to other states in the respective region. The inclusion of regional dummies and state fixed effects 11 In all model specifications, the per capita visits variable is positive and significant at one percent, indicating that states with higher per capita visits to casino resorts have higher bankruptcy rates. This supports the hypothesis that some of the ill effects of casino gambling, bankruptcy in this case, are exported back to the states where tourists reside. Averaging the PCVISIT coefficients across the specifications, we find that visits to casino resorts increase other states' personal bankruptcy filings by approximately five per 10,000 residents (0.0012 · 0.4127). This is equal to an increase of 0.5 bankruptcies per 1,000 people. Since per capita bankruptcies average five per 1,000 residents (from Table 1), visits to casino resorts increase state per capita bankruptcies by roughly 10 percent on average. [Table 2 about here] The remaining coefficient estimates are generally consistent with our expectations and consistent across model specification. Higher rates of unemployment and divorce are associated with increased bankruptcy, whereas higher income lowers bankruptcy.15 Health coverage is not statistically significant in most specifications, possibly due to the low variation of this variable across the states.16 As is consistent with the literature on gambling and bankruptcy, the influence of casino gambling on bankruptcy is mixed, but always very small. For example, in column (1) of Table 2, casino gambling is found to have a small positive, but statistically significant impact on results in perfect collinearity. The average of state fixed effects is captured by the regional dummies. Since we only have two years of data for each state, the inclusion of state fixed effects significantly reduces our degrees of freedom. As mentioned in the text, the results from our OLS models with regional dummies and casino resort state dummies are very similar to the results from the random effects model. 15 In our specification we use contemporaneous income, unemployment, and divorce. Using lagged values of these variables did not change any of our conclusions. 16 We do find that health coverage is positive and significant at 10 percent in the third specification. One explanation for this counter-intuitive result is that people with no access to any health coverage (private or publicly provided) are the most indigent segment of the population. As a result, these individuals would have little or no assets to declare for bankruptcy compared to relatively more wealthy people. Adding the square of health coverage in the models did not provide additional information. In the end, making a definitive inference regarding health coverage is not possible given that the coefficient is far from robust across our various specifications. 12 bankruptcy (about 1.5 bankruptcies per 10,000 residents at the mean). However, when controlling for casino resort state and regional effects, the casino revenue variable is either no longer significant (column 2) or it is negative and significant at 10 percent (column 3). A scatter plot of the raw casino revenue data and per capita bankruptcy data, shown in Figure 2, can explain the change in the sign and significance of the casino revenue coefficient across specifications. Figure 2 reveals a large 'Nevada effect' - the two outlying points in the scatter plot are Nevada in 2001 and 2002. Thus, once we control for Nevada in our empirical models, the relationship between casino revenue and per capita bankruptcies is no longer positive and statistically significant. [Figure 2 about here] The results from the regressions that include casino resort state dummies are reported in column (2) and column (3) of Table 2. The results indicate that both Mississippi and New Jersey have a higher incidence of bankruptcy than other states even when controlling for the presence of casino gambling and other economic and demographic factors. Moreover, although only significant at 10 percent in the second specification, the coefficient for Nevada reveals that per capita bankruptcy rates in that state are nearly twice the national average. Various pairwise t-tests of the three casino state coefficients reveal that most differences in the estimated coefficients are not statistically significant. Only Nevada is statistically larger (at α = 0.05) than New Jersey in the third specification. Regional dummy variables are included in the third specification of Table 2. The Midwest, South, and West all have higher bankruptcy rates than the Northeast. The casino resort states have higher bankruptcy rates than their regional peers as indicated by the magnitude and significance of the casino resort state coefficients. Here again the magnitude of 13 the coefficient on Nevada stands out, showing the high level of bankruptcy in that state even when controlling for the presence of gambling. Pairwise t-tests reveal that average per capita bankruptcies in Nevada are statistically greater than the average rate of bankruptcy in western states (at α = 0.10) and average per capita bankruptcies in New Jersey are statistically greater than the average rate of bankruptcy in northeastern states (at α = 0.05). The results from regressions that disaggregate per capita visits by casino resort state are presented in Table 3. Many of the results are consistent with those presented in Table 2. However, after disaggregating the per capita visits variable, only visits to Mississippi casinos have a statistically significant influence on per capita bankruptcies, although an F-test rejects the null hypothesis that all three coefficients are jointly equal to zero. Based on the mean per capita visits to Mississippi reported in Table 1 and the estimated per capita visits coefficient of 0.0016, bankruptcies nationwide are predicted to be 0.00032 (0.0016 · 0.2004), or 3.2 per 10,000 people greater as a result of visits to Mississippi casinos. [Table 3 about here] One explanation for the statistical significance of Mississippi relative to New Jersey and Nevada is the different demographic makeup of the tourists that each destination attracts. In particular, even though we are controlling for income, unemployment, divorce, etc., the fact remains that Mississippi is a regional destination, drawing most of its tourists from the South. According to statistics from the Mississippi Gaming Commission, during the fourth quarter of 2002, most tourists to Mississippi casinos arrived from Tennessee (12.6 percent), Alabama (10.0 percent), Florida (9.9 percent), Arkansas (9.7 percent) and Louisiana (9.2 percent). Tourists to Mississippi casinos are therefore predominantly from a region with lower income and consequently may be more susceptible to bankruptcy-inducing economic shocks, i.e., large 14 gambling losses, than tourists to either Atlantic City, which draws primarily from the wealthier Northeast, or Nevada, where Las Vegas attracts tourists both nationally and worldwide. As further evidence of this, consider the additional comparison of the three casino resort destinations: Atlantic City and Mississippi are very similar destinations in that both are primarily regional destinations. Atlantic City had just over 33 million visitors in 2002 with 24.6 million, or roughly 75 percent, arriving by automobile. Mississippi had over 54 million visitors in 2002, and of these, over 23 million visited the coastal region of Gulfport/Biloxi. According to the Gulfport/Biloxi Regional Airport Authority, however, there were only 816,653 boardings at the airport, so most visitors clearly arrived by automobile. In contrast to both Mississippi and Atlantic City, however, Las Vegas had roughly 35 million visitors in both 2001 and 2002. Approximately 6 million (17 percent) visitors arrived by car from Southern California, whereas McCarran International Airport had 35 million enplaned/deplaned passengers.17 Finally, although Las Vegas and Atlantic City each attracted approximately 35 million visitors in 2002, total casino gambling revenue for Las Vegas was $7.63 billion versus $4.38 billion in Atlantic City. Mississippi, in contrast, had more visitors, nearly 55 million, but only amassed $3.37 billion in gaming revenue, thus suggesting much less affluent visitors more prone to bankruptcy than gamblers traveling to either Las Vegas or Atlantic City. Consistent with Barron et al. (2002) and Thalheimer (2004), the influence of Mississippi casinos nationwide is very small and localized. As presented earlier, bankruptcies nationwide are predicted to be 3.2 per 10,000 people greater as a result of Mississippi casinos. However, the average per capita visits for the states surrounding Mississippi (Tennessee, 17 Not all enplaned/deplaned passengers will have Las Vegas as a final destination. Data for Las Vegas are from http://www.lasvegas24hours.com/pdf/historical_visitor_statistics.pdf. Atlantic City data are from http://www.atlanticcitynj.com/resources_research.asp. Information for Mississippi is from www.gulfcoast.org/gpt and from quarterly reports prepared by the Mississippi Gaming Commission http://www.mgc.state.ms.us/. 15 Alabama, Florida, Arkansas, and Louisiana) is 1.544 (compared to the national average of 0.4127), suggesting an increase of 0.0024 (0.0016 · 1.544), or 2.4 bankruptcies per 1,000 people. Thus, in this case the regional influence of casino gambling on bankruptcy is much greater than the nationwide influence. V. Summary and Conclusions Casino gambling in the United States has spread from just two states (Nevada and New Jersey) in the early 1990s to over thirty states by 2005. During this period, much has been written about the positive and negative aspects of this expansion. Indeed, the growth in casino gambling even led to a federal government inquiry into the consequences of expanded gambling (National Gambling Impact Study Commission, 1999). Due in large part to work by Eadington (1998, 1999), it is generally agreed that destination resort casinos provide the greatest economic benefit by "exporting" casino gambling, i.e., attracting tourists and bringing in dollars from outside of the community. However, there is less agreement on the negative aspects of gambling, as demonstrated by the mixed findings in the literature regarding the link between gambling and bankruptcy. Moreover, all previous studies on this issue only examined the influence of local casinos on local bankruptcy filings. Less is known about the negative influence that destination casino resorts have on communities where tourists reside. This paper used data on the number of gambler visits to resort casinos in Nevada, New Jersey, and Mississippi from all other states, and has demonstrated that destination casino resorts do indeed "export" bankruptcy along with gambling services. 16 This negative influence is not uniform across the three destinations studied here. In particular, only visits to Mississippi resort casinos are found to have a statistically significant influence on bankruptcy filings in other states. Consistent with other studies, this influence is greatest in the region that Mississippi heavily draws from (roughly 2.4 bankruptcies per 1,000 people), while the nationwide impact is small (roughly 3 bankruptcies per 10,000 people). The finding that the influence of casino resorts on personal bankruptcy filings is not uniform across all jurisdictions has important policy implications with regard to the future expansion of casino gambling. In particular, it was noted earlier in the paper that the characteristics of visitors to the various resorts are quite different. While Atlantic City, Reno and Laughlin, Nevada, and Mississippi are all regional resorts, they draw from very different regions. Atlantic City draws from the wealthier Northeast, Reno and Laughlin attract approximately 40% of their gamblers from California, while Mississippi draws from the less wealthy South and Southeast.18 Indeed, Atlantic City has higher gambling revenue despite having fewer visitors. Las Vegas has approximately the same number of visitors as Atlantic City, but has nearly twice the gambling revenue, suggesting an even more affluent gambler. Negative income shocks, such as gambling losses, are therefore likely to be more easily absorbed by gamblers frequenting Atlantic City or Las Vegas compared to gamblers that frequent Mississippi resort casinos. This suggests that the location of a casino destination resort is an important factor in determining its cost-benefit ratio. Casino resorts placed in wealthier regions are less likely to significantly export bankruptcy. 18 Reno and Laughlin are a small part of Nevada's casino gaming industry, so Nevada's influence on other states' bankruptcy rates will predominantly reflect casinos in Las Vegas. In 2003, gaming revenues in Nevada totaled $9.6 billion. Revenues for Washoe County, which includes Reno and North Lake Tahoe, were $1 billion, whereas Laughlin revenues totaled $552 million. In contrast, revenues for the "Las Vegas Strip" were $4.8 billion. Excluding Laughlin, Clark County (city of Las Vegas) accounted for 76 percent ($7.3 billion) of Nevada's total gaming revenue. Statistics from Nevada Gaming Control Board, http://gaming.nv.gov/documents/pdf/cyrr03.pdf. 17 Figure 1 - U.S. Personal Bankruptcies 1990 to 2004 (in thousands) 2000 1600 1200 800 400 0 90 92 94 96 98 00 02 04 19 19 19 19 19 20 20 20 Year Source: The Administrative Office of U.S. Courts, http://www.uscourts.gov/bnkrpctystats/bankruptcystats.htm 18 Figure 2 - Casino Revenue (in millions) and Per Capita Personal Bankruptcies $10,000 casino revenue $7,500 $5,000 $2,500 $0 0 0.002 0.004 0.006 0.008 0.01 0.012 Per Capita Bankruptcies 19 Table 1 - Descriptive Statistics and Data Sources Variable Mean Source (Standard Deviation) Per Capita Bankruptcy 0.0049 Administrative Office of the (0.0017) United States Courts Casino Revenue (millions) 858.9403 Meister (2005) for Native (1,593.10) American revenue; state gaming agencies for commercial casino gaming revenue Per Capita Visits to 0.4127 2002 and 2003 Harrahs Survey Casino Resorts (0.5330) and Mississippi Gaming Commission. See text for computations. Per Capita Visits to Nevada 0.1546 2002 and 2003 Harrahs Survey Casinos (0.2406) and the Las Vegas Convention and Visitors Authority. See text for computations. Per Capita Visits to 0.0577 2002 and 2003 Harrahs Survey. New Jersey Casinos (0.1594) See text for computations. Per Capita Visits to 0.2004 2002 and 2003 Harrahs Survey Mississippi Casinos (0.5279) and Mississippi Gaming Commission. See text for computations. Per Capita Income 28,567.25 U.S Bureau of the Census (4,234.97) Unemployment Rate 4.9229 U.S. Bureau of Labor Statistics (1.0185) Divorce Rate (per 1,000) 4.1222 U.S. National Center for Health (1.0760) Statistics, Vital Statistics of the United States, annual. Health Insurance Coverage 0.8558 U.S. Bureau of the Census, (0.0369) Current Population Survey. Annual Social and Economic Supplements. Note: data are at the state-level for 2001 and 2002. Number of observations = 96. 20 Table 2 – Casino Gaming and Non-Business Bankruptcies Variable (1) (2) (3) (4) Constant -0.0004 -0.0004 -0.0080* 0.0048* (0.76) (0.77) (1.70) (1.64) Per Capita Visits to Casinos 0.0011*** 0.0013*** 0.0014*** 0.0010*** (3.70) (4.07) (4.46) (3.25) Casino revenue 0.178e-6** -0.199e-6 -0.385e-6* 0.186e-6 (2.36) (0.84) (1.82) (1.53) Per Capita Income -0.914e-7*** -0.723e-7** 0.155e-7 -0.789e-7* (2.96) (2.09) (0.47) (1.67) Unemployment rate 0.0003** 0.0003** 0.0004*** 0.0003*** (2.28) (2.63) (3.21) (5.31) Divorce Rate 0.0004*** 0.0003* 0.0003* 0.0002** (3.02) (1.72) (1.74) (2.12) Health Coverage Percentage 0.0047 0.0046 0.0087* -0.0005 (1.03) (1.00) (1.77) (0.18) Nevada ------- 0.0043* 0.0059*** ------- (1.80) (2.81) New Jersey ------- 0.0018** 0.0015** ------- (2.27) (1.99) Mississippi ------- 0.0025*** 0.0033*** ------- (3.23) (4.26) Midwest ------- ------- 0.0018*** ------- (5.63) South ------- ------- 0.0020*** ------- (4.59) West ------- ------- 0.0016*** ------- (3.81) Adjusted R2 0.408 0.429 0.525 ------- Note: Dependent variable is per capita non-business bankruptcies. Absolute t-statistics in parentheses. *** denotes significance at 1 percent, ** at 5 percent, and * at 10 percent. Casino revenue is in million of dollars. Northeast is the omitted region. Specifications (1) through (3) are estimated by OLS, specification (4) considers state random effects estimated by GLS. Number of observations = 96. 21 Table 3 – Casino Gaming and Non-Business Bankruptcies – By Resort State Variable (1) (2) (3) (4) Constant 0.0006 -0.0002 -0.0079* 0.0042 (0.13) (0.05) (1.71) (1.48) Per Capita Visits to NV Casinos 0.0003 0.0011 0.0013 -0.0001 (0.42) (1.31) (1.65) (0.19) Per Capita Visits to MS Casinos 0.0013*** 0.0016*** 0.0016*** 0.0016*** (3.55) (4.02) (4.21) (4.37) Per Capita Visits to NJ Casinos 0.0002 -0.0004 0.0003 -0.0004 (0.31) (0.57) (0.40) (0.37) Casino revenue 0.174e-6** -0.297e-6 -0.438e-6 0.169e-6 (2.29) (1.01) (1.64) (1.40) Per Capita Income -0.764e-7** -0.392e-7 0.304e-7 -0.454e-7 (2.52) (0.97) (0.82) (0.92) Unemployment rate 0.0003** 0.0004*** 0.0004*** 0.0003*** (2.62) (3.06) (3.25) (5.34) Divorce Rate 0.0004** 0.0002 0.0001 0.0002** (2.50) (1.01) (1.21) (2.12) Health Coverage Percentage 0.0034 0.0038 0.0087* -0.0007 (0.69) (0.80) (1.78) (0.25) Nevada ------- 0.0054* 0.0066** ------- (1.82) (2.36) New Jersey ------- 0.0017* 0.0014 ------- (1.86) (1.54) Mississippi ------- 0.0029*** 0.0035*** ------- (2.84) (3.79) Midwest ------- ------- 0.0016*** ------- (4.97) South ------- ------- 0.0019*** ------- (4.53) West ------- ------- 0.0016*** ------- (4.21) Adjusted R2 0.417 0.443 0.523 ------- Note: Dependent variable is per capita non-business bankruptcies. Absolute t-statistics in parentheses. *** denotes significance at 1 percent, ** at 5 percent, and * at 10 percent. Casino revenue is in million of dollars. Northeast is the omitted region. Specifications (1) through (3) are estimated by OLS, specification (4) considers state random effects estimated by GLS. Number of observations = 96. 22 References Barron, J., M. Staten, and S. Wilshusen. "The Impact of Casino Gambling on Personal Bankruptcy Filing Rates." Contemporary Economic Policy, 20(3), 2002, 440-55. Boyes, W.J. and R.L. Faith. "Some Effects of the Bankruptcy Reform Act of 1978." Journal of Law and Economics, 29(1), 1986, 139-49. Burke, A. "Why Americans Go Broke." The American Prospect, 9, 1998, 34-8. Christiansen, E. "2003 Gross Annual Wager." Christiansen Capita Advisors LLC, 2003. de la Vina, L. and D. Bernstein. "The Impact of Gambling on Personal Bankruptcy Rates." The Journal of Socio-Economics, 31, 2002, 303-9. Domowitz, I. and T. Eovaldi. 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Original recipe yields 4 servings
Amount per serving ({{servings}} total)
Based on a 2,000 calorie diet
Ready In
These are absolutely fantastic. And a little hint to those who didn't like it... ummm... it helps if you like pineapple in the first place. Why attempt to make a 'pizza' with something you don't...
Good simple recipe. Great for kids. Not sure why the people who don't like pineapple even bothered making it... never mind rating it.
I didn't like these too much. Managed to eat 1 of the 4 I had made for me and a friend. Was just too sweet for me, needed more of a taste other than just pineapple. Only reason I'm rating thi...


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Been here? Rate It!
Pizzeria Trta: One of the best thin crust pizza
It is housed in an old river bank villa, with the ~150 year old (claimed) vine (trta in Slovenian) in the front face, it is a very down-to-earth pizzeria with friendly wait-staff (well rehearsed in English). The thin crust pizzas here are one of the very best I have eaten in this part of the world. Ask for fresh rocket on your pizza.
With Euro being so strong pizza are on the order of 15 $ each.
very comfortable atmosphere, crowded for week-day lunch.
Pizzeria Trta: Great pizzas!
This is one of the best pizza places in Ljubljana. Pizzas are delicious, baked in a stone oven with thin crispy dough. Worth going there.
Favorite Dish: Pizza :-)
Trta (vine): Great pizzas
Nice restaurant situated near Ljubljanica river in Prule district. Nice place to have your meal. Closed on Sundays and holidays.
Favorite Dish: They have great pizzas here!
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VIEWS: 7 PAGES: 1 CATEGORY: Personal Finance POSTED ON: 7/18/2010 Public Domain
Accounting Retail Salestax document sample
LICENSING OFFICE MACFest 55 N Center St. PO Box 1466 Mesa, Arizona 85211-1466 (480) 644-2316 Tel (480) 644-3999 Fax www.mesaaz.gov/salestax Tax Licensing for MACFest Events Displaying the Tax License The City of Mesa requires a Transaction Privilege (Sales) Tax license The transaction privilege tax license shall be on display to the public in for sales of tangible personal property in the City limits. This includes the licensee's booth in a conspicuous place. Posting the license at all all sales at special events such as an art and cultural event. You can times avoids delays while conducting business when tax department rep- obtain a City license application on the Tax & Licensing webpage at resentatives make compliance checks to verify that vendors are licensed. http://www.mesaaz.gov/salestax or at our Licensing Office at 55 N Center St., Mesa. Tax Rate on Retail Sales at Events The City of Mesa tax rate is 1.75% of the taxable income. The total com- Sales of Artwork bined rate is 9.05% for retail sales. (6.6% state + 0.7% county + 1.75% city). The sales of paintings, sculptures or similar works of fine art, provided that such works of fine art are sold by the ORIGINAL ARTIST, are exempt from city tax. However, the sales of "art creations", such as Calculating the Tax jewelry, macramé, glasswork, pottery, woodwork, metalwork, furniture, Although transaction privilege tax is usually passed on to the customer, it and clothing, when such "art creations" have a dual purpose, both aes- is actually a tax on the vendor for doing business in Arizona. The tax can thetic and utilitarian, are not exempt, whether sold by the artist or by be added to the sales price or included in the sales price. another. See Mesa Tax Code, Section 5-10-465 (t). Please contact the Arizona Department of Revenue for information on the State tax. Factoring Transaction Privilege Tax When a business "factors" transaction privilege tax, it means the tax is Photography included in the total price rather than shown as a separate charge. If you The sales of photographs and all charges by a photographer resulting in choose to factor the tax, the tax must be calculated using a factoring for- the sale of a photograph (sitting charges, developing, making enlarge- mula. There are many different factoring formulas depending on the city ments, retouching, etc.) for services that occur prior to transfer of tangi- tax rates, state and county tax rates or differences in allowable city tax ble personal property are taxable. Regulation 5-10-100.2 D.4. deductions. Tax Factor for the State, Maricopa County & City of Mesa tax rate of Brokers 9.05% is: A broker acting for a seller, lessor or other similar person deriving gross income shall be liable for the tax. See Mesa Tax Code, Regula- .08298945 Retail (Art Sales) tion 5-10-100.1. Retail Sales & Tax Reporting Example: Sold taxable art item for $100 and tax is included. If you sell tangible person property, including art (even if you consider it a hobby) at events in the City of Mesa, you are responsible for trans- Take the amount collected times the tax factor for retail to calculate the action privilege tax under the Retail Tax classification. All taxpayers tax on the item. are required to report transaction privilege taxes monthly. You need to report your gross sales and take a deduction for items that qualify as $100 X .08298945 = $8.30 Total City, State, & County Tax. exempt on the back of the tax return. The taxes are due the 20th of the month following the month that the sales occurred. Mesa City Tax =$100.00 gross – 8.30 tax = 91.70 net x .0175 = $ 1.61 State & County Tax = $91.70 net x .073 = $ 6.29 Total Tax $ 8.30 Out of State Sales All the following requirements must occur for an out of state exempt sale of tangible personal property; Merchants Providing Store Space for Outside Artists or Vendors The order is placed from without the State of Arizona; and Space or booth rentals to vendors or artists are taxable as licensing for use The property is delivered to the buyer at a location outside the State; of real property. See Mesa Tax Code, Section 5-10-445. This tax is im- and posed on any individual renting property or space to vendors. The tax The property is purchased for use outside the State. may be added to the vendor's rental fee or included in the charge. Persons engaged in a business claiming out-of-State sales shall main- .01719902 Licensing for Use of Real Property tain accounting records indicating: (Exempt for State & County) Booth rental Information regarding location of order placement; and Example: $100 x .01719902 = $ 1.72 tax on licensing for use income Shipping, delivery or freight documents showing where the buyer took delivery; and FOR LICENSING INFORMATION CONTACT: Location of use or storage of the property sold to such buyer. 480.644.2316 email@example.com FOR TAX INFORMATION CONTACT: 480.644.2051 firstname.lastname@example.com
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Jak and Daxter User Blog
Falling Into The Trap Of Playing Cult Classics264d ago ... During the spring and summer of 2014 I decided to go into my videogame backlog. My backlog at the time was deep and had a large number of games listed as follows: Max Payne (entire series), Vanquish, Tomb Raider (2013), Alan Wake, Bayonetta , Fallout: New Vegas, God of War: Ascension, Gears of War: Judgement, Ratchet and Clank HD collection, Jak and Daxter collection and many old games for the...
Some Gaming Taste Buds911d ago ... New and impressive games are coming out all the time; whether they're small, independently developed titles or big budget, triple A titles. So many games beg for our gaming attention, and usually, the big budget games are the first to take hold. I enjoy playing a lot of these games as well, especially games like Grand Theft Auto, Assassin's Creed, Far Cry 3, and Skyrim. Some of these games neve...
The age of innocence of Playstation is almost over2077d ago ... I believe that a strong part of the Playstation brand was the fact that there were 'kiddy' games which adults could also play too, right back to the original Crash Bandicoot to Medievil, Spyro, Ape Escape and then moving onto the PS2 with Jak and Daxter, Ratchet and Clank and the Sly series. The Playstation and PS2 had this brilliant split between child friendly platformer franchises and adult...
Back to Jak. Not Jak to the future.2278d ago ... On the 1st of April 2009 (known as April Fools 2009) a day after a worldwide (except UK) PS2 price cut, Sony announced a new Jak and Daxter game was to be released on the PS Blog, not made by the creators Naughty Dog and not on the PS3. At this point, I'm pretty sure every Jak fan was in shock, I can only imagine the pure chaos on official J&D forums
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text: Artonius Tsetsuna Artonius Tsetsuna Raleigh, United States Looking for some musical exposure? Checkout the program "ReAnimix" broadcasted on TINDEX TV. Want to be a part of this? Get more info: http://www.tindextv.com Melodious Sovereigns Equinox Rising is here! http://melosov.bandcamp.com/album/equinox-rising I just love making and hearing music. I'm all about growing in sound and musical expression. I really like sound engineering since it's really a skip from my daytime career, web engineering, ha. Just a hobbyist who wants to make good music with other like-minded people. I love to work with MC's that just love making good music. All of my music is free to the public, as long as they aren't trying to make a buck off them. I think we're all in this together. Let's keep doing it! Here are people that I've done collabs with so far: https://soundcloud.com/wolm-shamir https://soundcloud.com/champthepoet https://soundcloud.com/yagmha https://soundcloud.com/glyphickcommunicatorious https://soundcloud.com/nextwon https://soundcloud.com/cor-3 https://soundcloud.com/missb250 https://soundcloud.com/pinstrypekouzin http://soundcloud.com/azure_gyver http://soundcloud.com/jt-eastside http://soundcloud.com/manonwire-2 http://soundcloud.com/cornaspittaz http://soundcloud.com/akira82 http://soundcloud.com/bearnt http://soundcloud.com/amphibian_707 http://soundcloud.com/mrpricemusic Influences: Really people who like to push the envelope when it comes to their sound. Who are constantly trying to try different things and look beyond the boundaries. I tend to float to people like that. Join the For The Love of Music FB family! It's all love and all about musical growth! http://www.facebook.com/groups/146862232065953/ Enjoy! Sounds Bring You The Hit (feat. Millen) by Artonius Tsetsuna published on 2014/11/20 03:40:45 +0000 Something Simple (collab w/ DJ Evi Denz) by Artonius Tsetsuna published on 2014/11/05 13:06:57 +0000 Untitled - 10-17-2014 by Artonius Tsetsuna published on 2014/10/22 16:23:00 +0000 Da Hizzouse by Artonius Tsetsuna published on 2014/09/23 00:32:45 +0000 The Programmer x JT X Kkimmestry X Artonius by Artonius Tsetsuna published on 2014/08/08 19:09:51 +0000 melosov - Equinox Rising - Island Getaway - http://melosov.bandcamp.com/album/equinox-rising by Artonius Tsetsuna published on 2014/06/16 12:46:25 +0000 The most ghetto, yet LIVE bowling alley EVER w Cor Stidak and Negrosaki - from HARP dl in desc by Artonius Tsetsuna published on 2014/05/06 00:14:48 +0000 Make Me New - feat. Champ The Poet by Artonius Tsetsuna published on 2014/02/24 17:46:27 +0000 Cypher - Reflection features in description, prod. by Artonius by Artonius Tsetsuna published on 2014/01/26 19:54:11 +0000 Water(logged) by Artonius Tsetsuna published on 2014/01/06 22:49:57 +0000


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How can I set -up a postfix-based mail server so that it will not only receie messages incoming via SMTP, but also act actively and download (via IMAP) messages from another server if there are any there?
Take the 2-minute tour ×
Server Fault is a question and answer site for system and network administrators. It's 100% free, no registration required.


text:
Headline of the Week!
Who knew overpriced swimwear could be so entertaining?
Who knew overpriced swimwear could be so entertaining?
by Sophie Elmhirst Published
"Protective army for diamond-studded bathing suit".
It just contains so many elements, doesn't it? A bathing suit, diamonds, the strange but alluring notion of a protective army for an inanimate object. We have Sabah, a Turkish newspaper, to thank for this story -- which comes from the front line of Istanbul Fashion Days. That's right, not Istanbul Fashion Week, just Days. I don't know if they're being commendably literal or just couldn't quite summon the energy to stretch to a week. But I quite like that they call it Days. Call a spade a spade, for heaven's sake.


text: On Wed, 18 Jul 2001, Jeffrey W. Baker wrote: > > But that's exactly my point. The kernel's version of DRM is not useful > for testing. It is always out of date relative to the DRI CVS, and if you > post on dri-devel that you had such-and-such problem with the code from > kernel x.y.z, you'll be told that the kernel version is out of date and > either that problem is already fixed or could you please test the CVS > version. Note that this is at least partly due to the fact that there has been no point to even try to import things from the DRI tree (or even the standard XFree86 CVS tree, which I _do_ have uptodate on all machines I personally use, for example). Because the kernel historically has not been able to import the DRI tree due to binary incompatibilities. > Also I'm not seeing why regular users would be excluded. Lots of people > use and test ALSA, and it is entirely outside the mainline kernel. Most > people who currently test the DRI are building XFree86 from scratch > anyway. And do you ever want DRI to be a feature that people take for granted? That's the question, really. Do you want DRM to remain a "for X hackers only" thing? Or do you want to make it available to people who do want to recompile their kernel for some reason? If DRM wants to be taken for granted, then that implies that DRM has to take these kinds of versioning problems seriously. It should just work. Which implies that it should have a BIG push to make sure that things are binary compatible, and that people realize that bianry incompatibilities are really really bad because it means that you cannot mix and match things. This is not DRM-specific, or even kernel-specific. Remember why people get excited about LSF and things like that? You want your programs to work across multiple vendors, and across different versions of libraries and kernels. The library people are spending a lot of effort on being binary compatible across releases. So are the compiler people. And so are we kernel people. I don't require that people upgrade their libc when they upgrade their kernels. Even if libc obviously is the main user of most of the interfaces the kernel exports. Libc people don't require that people upgrade all their applications when the library is exported. Yes, you have major upheavals every once in a while. They're considered bad, and are done only in extreme cases to rectify major problems and design mistakes. Do you think DRM would be any different if it expects to be ubiqutous? Linus


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Hotel Maryelen, Rome
- Free WiFi
Main amenities
- 14 smoke-free guestrooms
- Breakfast available
- Bar/lounge
- Airport shuttle
- 24-hour front desk
- Coffee/tea in the lobby
- Air conditioning
- Daily housekeeping
- Front desk safe
- Luggage storage
- Tour/ticket assistance
What's around
- In Esquilino
- Basilica di Santa Maria Maggiore (0.2 mi / 0.4 km)
- Teatro dell'Opera di Roma (0.3 mi / 0.5 km)
- Diocletian Bath (0.4 mi / 0.7 km)
- Roman Forum (1 mi / 1.6 km)
- Colosseum (1.1 mi / 1.8 km)
The hotel room and facility is very clean. There are elevator and stairs. The elevator is…
Lovely, friendly staff. Very accommodating. The rooms were spacious and adequate with…
Enter dates to check prices
Hotel Info: 866-539-8117from $56
- Single Room
- Double Room
- Double Room Single Use
Recommended hotels
At a glance
Key facts
Hotel size
- This hotel has 14 rooms
- This hotel is arranged over 2 floors
- Check-in time starts at 11 AM
- Check-out time is 10 AM
Required at check in
- Cash deposit required
- Government-issued photo ID required
- Minimum check-in age is 18
Travelling with others
- Children (3 years old and younger) stay free when occupying the parent or guardian's room, using existing bedding
- Pets allowed
- Restrictions apply *
- Free WiFi in public areas
- Free WiFi in rooms
- Airport shuttle (available on request) *
- No parking
Other information
- Smoke-free property
Nearby Two Star Rome hotels
In the hotel
- Continental breakfast daily (surcharge)
- Bar/lounge
- Room service (during limited hours)
- Coffee/tea in the lobby
- 24-hour front desk
- Tours/ticket assistance
- Luggage storage
- Number of buildings/towers - 1
- Elevator/lift
- Safe-deposit box at front desk
In the room
- Air conditioning
- Coffee/tea maker
- Iron/ironing board (on request)
- Pillowtop mattress
- Private bathroom
- Shower only
- Hair dryer
- Flat-screen TV
- Free WiFi
- Refrigerator
- Daily housekeeping
- In-room safe
Top Rome hotels
Recently reviewed hotels in Rome
- 1&1 Liberty RomeFrom
"Matilena is so friendly. She had already made comments about restaurants in Rome we might visit before our arrival. We arrived early and she was very flexible. Room and bathroom…"Jun 22, 2015
- Hotel Casa ValdeseFrom
"Nice no frills hotel in a quiet neighborhood a couple blocks from a metro stop and bus line. Very convenient and quiet location with a friendly staff willing to help if asked. Had…"Jun 22, 2015
- Hotel Fontanella Borghese
"Stayed for business with the hope to see Rome in the evenings. Perfect location for walking to tourist sites and plenty restaurants were within a 5-20 min walk. Comfortable (a/c)…"Jun 22, 2015
- A Casa di Serena a San PietroFrom
"I stayed nights with my daughter, very good price , friendly people, helpful, very clean, nice breakfast, wi fi, air conditioning, safe location and very near the Vatican city. I…"Jun 22, 2015
Hotel Maryelen, Rome's small print
Also known as
- Hotel Maryelen
- Guia Turistica De Roma
- B&B Maryelen Roma
- Hotel Maryelen Rome
- Maryelen
- Maryelen Hotel
- Maryelen Rome
- Maryelen Hotel Roma
- Maryelen Rome
- Maryelen Hotel
Cash transactions at this property cannot exceed EUR 999.99, due to national regulations. For further details, please contact the property using information in the booking confirmation.
Pet-friendly rooms can be requested by contacting the property at the number on the booking confirmation.
For transfers, guests must contact the property before arrival at the number on the booking confirmation.
Mandatory fees
You'll be asked to pay the following charges at check in or check out:
- A tax is imposed by the city: EUR 3 per person, per night, up to 10 nights. This tax does not apply to children under 10 years of age.
Optional extras
Parking is available nearby and costs EUR 14 per 24 hours
Rollaway beds are available for EUR 20 per night
Continental breakfast is offered for an extra charge of EUR 5 for adults and EUR 5 for children (approximately)
Cribs/Infant beds are available for EUR 15 per night
Airport shuttle service is offered for an extra charge of EUR 25 per person (one way)
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.


text:
Advertisement - Continue Reading Below
Cooking a Holiday Brunch Video
Simple and delicious recipes for a holiday party
8 Things You Never Knew About the Fourth of July
For starters, we probably shouldn't be celebrating on the Fourth.
8 Father's Day Gifts for the Guy Who Loves Food
Spoil your favorite fella with one of these finds.
Red, White, and Blue Desserts for the 4th of July
Patriotic sweet treats for July 4th.
More From Holidays


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You can now invite anyone to meet at your favorite Starbucks.
Limited-time feature
48 year old woman | Fremont, CA, USA | Seeking men 45-60 within 75 miles
Active within 1 hour
hmmm......what to put here.....
About me.....I guess you could say I'm a girly girl who doesn't mind getting dirty (camping, hiking, working out). I love long drives on warm nights with the top down on my car, nice jeans (with heels), camping (with toilets), room service, and the beach any time of day (especially when it rains). I enjoy roaming around downtown areas or old towns and discovering things you would miss if you were to only visit "hot spots". I'm so ready to travel too! A note about my children....I actually have three. Match doesn't allow for multiple selections. I have two adult children (27 and 25) who are out on there own and a 16 year old at home. I'm very hard working. I'm very proud of my professional and personal accomplishments. My family means the world to me. I'm a very giving and caring person. Genuine and trustworthy. I'm very grateful for everything in my life. I feel fortunate for all that I have. Looking for a man who's respectful, open, honest, supportive, funny, and open to exploring new things (anything!). I'm very independent, but would love to come home from work and reconnect at the end of the day. I'm all for making each others lives easier. I'm hoping to find someone to have fun with who's caring and takes a mutual interest in relationships; someone who can make me laugh and influence me to try new things.
Camping , Coffee and conversation , Dining out , Gardening/Landscaping , Hobbies and crafts , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Performing arts , Shopping/Antiques , Travel/Sightseeing , Volunteering , Watching sports , Wine tasting
Aerobics, Walking / Hiking, Weights / Machines, Yoga
I exercise 3-4 times per week.
Middle of the Road
Love San Francisco, Sausalito, San Diego, and New York. I need to get out more though. I've been focused on my career and children. I'm craving excitement and new surroundings.
I'm a country music girl at heart, but also enjoy most other types of music (except rap). I enjoy laughing with family and friends. Christmas. Warm days. Driving to the beach on a rainy day.
I enjoy being outside in the fresh air. I'd love to get lost in unfamiliar places and explore more. I'm at the point in my life where I'd like to travel. Sporting events are fun; especially football! Love taking pictures. Documenting life.
Reading is important to me. I have to admit..... I love my magazines. I subscribe to a lot of them (fashion, health, quilting, scrapbooking). I read a lot of reports at work, so in the evening, I read for me.
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What she is looking for
|5'8" (172cms)
|5'10" (177cms) to 6'11" (210cms)
|Body type:
|About average
|No preference
|No preference
|Dark blonde
|No preference
|No Way
|No Way
|Social Drinker
|Never, Social Drinker, Regularly
|Other profession
|No preference
I'm Sr. Manager of the Regulatory Affairs and Document Control departments for a medical device company that manufactures angioplasty devices. I work with FDA and other regulatory agencies to get our catheters on the market and into physician's hand
|No preference
|Widow / Widower, Currently Separated, Divorced
|Have kids:
|Yes, and they sometimes live at home (1)
|Yes, and they sometimes live at home, Yes, and they live away from home, Yes, and they live at home
|Wants kids:
|No, but it's OK if my partner has kids
|White / Caucasian
|No preference
|Spiritual but not religious
|No preference
|I'll tell you later
|No preference


text:
How to Recycle an Ink Cartridge
How to Recycle an Ink Cartridge from Overstock.com. Learn about one way you can go green with your electronics.
I always used Original Brother Toner in my Brother Multi-Function Machine with excellent results. However, last year I decided to try a less expensive comparable toner and have had numerous problems as well as less than optimal printer and copying results. So, I thought this was due to my ageing Brother Multi-Function Machine and maybe it needed to be replaced. As a last ditch effort before replacing my Brother Machine I decided to replace the comparable toner that I bought last year with a new Original Brother toner. The results were fantastic! Now, all is well with my printing and copying. I no longer blame my Brother Multi-Function Machine for the bad print problem. I blame the comparable toner as the root of the problem. Please only buy Original Brother Toner and Products for your Brother Printer and copy machines. I have learned that lesson the hard way....
7000 Page(s) Black - Toner Cartridge(s)
Product Reviews
5 Stars
4 Stars
3 Stars
2 Stars
1 Stars
Questions & Answers
Shopping Tips & Inspiration
Shipping & Returns
Usually leaves our warehouse in 1-2 business days. *
Standard Return Policy:
Items must be returned in new or unused condition and contain all original materials included with the shipment. More Details
FINAL SALE EXCLUSION: Items marked as FINAL SALE are not returnable unless the problem you experience is the result of our error.
Shipping Information:
Our standard shipping method is ground shipping. We also offer expedited shipping for most items. Your final
shipping cost and estimated delivery timeframe will be available at checkout.
* For your protection, all orders are screened for security purposes. If your order is selected for review, our Loss Prevention Team may contact you by phone or email. There may be a two business day delay to process your order.
** Most Oversize orders are delivered within 1-4 weeks. Some orders may take 6 weeks to be delivered.


text:
I have the following script
import gtk
gtk.Clipboard().set_text("exciting clipboard contents")
gtk.Clipboard().set_can_store(None) # not sure if these last two lines are useful
When I run this like so:
python clip-test.py
it doesn't work. The clipboard is unchanged. We can elucidate the issue by running it in interactive mode and not letting the process finish:
python -i clip-test.py
Before leaving interactive mode, try pasting somewhere. The clipboard is changed; it works. After closing python, the clipboard returns to what it was before.
One thought was that this has something to do with which
display and
selection clipboard the code is accessing by default, but I've tried varying those parameters and I still can't get it to work.
I'm using Python 2.7.3 and python-gtk2 2.24.0-3build1, running Kubuntu 13.04.
What gives?


text:
The Ultimate 4th of July Playlist (and Most Misinterpreted Songs)
What Beach Boys Music is Brian Wilson Most Proud Of?
Alternative Press Magazine Celebrates 30 Years with a special exhibit at the Rock Hall
VIDEO: The Story of Slash's Guns N' Roses-era Custom Leather Jacket
Noel Gallagher Interview: What is Rock, Being a Solo Artist, Singing and Neil Young
Sneak Peek of the 2015 Rock Hall Induction Performances with Green Day, Joan Jett and More!
Eric Clapton, Buddy Guy Remember B.B. King and Live Performance
Beatles Bandmates Paul McCartney and Ringo Starr Share the Stage at Inductions
Bill Withers, Stevie Wonder, John Legend and a Rare Performance at the 2015 Inductions
A Moving Tribute to the Late Lou Reed at the 2015 Hall of Fame Inductions
Pink Floyd wouldn't have been a good bet to survive the 1960s, let alone the century. Original defining songwriter Syd Barrett was a sidelined acid casualty by 1968, when guitarist David Gilmour arrived. The group played to a cult ...Categories: Songs That Shaped Rock and Roll, Today in Rock, Inductee
Based on a drawing by Keith Breeden and sculpted by Aden Hynes and John Robertson, the Division Bell sculptures appeared on the cover of Pink Floyd's last studio album, The Division Bell, in 1994. It was the fourth ...Categories: Inductee, Exhibit
John Covach's December 29th column in The Plain Dealer, "Why no Yes in the Rock Hall?" offers a provocative view on the Rock and Roll Hall of Fame Induction process. Covach correctly pointed out that the Rock and Roll ...Categories: Other


text:
I try to stop
solr server on Heroku (already have the Websolr $20 addon installed) but I'm not being able to do so.
$ heroku run rake sunspot:solr:stop
Running `rake sunspot:solr:stop` attached to terminal... up, run.1
java version "1.6.0_20"
OpenJDK Runtime Environment (IcedTea6 1.9.9) (6b20-1.9.9-0ubuntu1~10.04.2)
OpenJDK 64-Bit Server VM (build 19.0-b09, mixed mode)
rake aborted!
No PID file at /app/solr/pids/production/sunspot-solr-production.pid
Tasks: TOP => sunspot:solr:stop
(See full trace by running task with --trace)
Any idea why is this happening?


text:
Each month we will highlight one of our Southern California Relocation Council members on our website and via social media.
Lucy Donaldson of PRC Relocation & Consulting Services
1. What is your full name? Lucy Donaldson
2. What company do you work for? PRC Relocation & Consulting Services
3. What is your Job Title? President & CEO
4. In one sentence, what services do you offer? PRC is a full service Relocation Management Company specializing
5. How many years have you been an SCRC Member? (Really? lol) I think it has been over 22 years now!
6. What is one thing you enjoy about SCRC? I love the relationships I have developed with industry professionals over