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Back at work, Patriots defenseprepares to face rookie LuckBy HOWARD ULMAN
The Associated Press | November 15,2012AP FILE PHOTO
Indianapolis Colts quarterback Andrew Luck celebrates as he leaves the field following a victory over the Miami Dolphins in Indianapolis.FOXBOROUGH, Mass. Steve Gregory has seen enough of Andrew Luck from afar to realize the challenge the quarterback presents.
Poise. Strong arm. Ability to run and throw on the move. A rare knack for reading pro defenses in his rookie season. You name it.
Now Gregory and his teammates in the New England Patriots secondary must try to stop all that. The starting safety knows that Sundays game against the resurgent Indianapolis Colts will be a test for one of the NFLs worst pass defenses.
Well have to be on top of our game in order to contain the things that he does, Gregory said Wednesday. You could tell the guys a leader. Hes taken on the job and hes been a true professional about it, so hes definitely doing a great job over there.
And hes improving as the season goes on.
In his last game, Luck completed a season-best 69.2 percent of his passes. In the one before that, he threw for a season-high 433 yards.
The Colts have won their last four games after winning just two all last season and Luck has three of his top four completion percentages in that stretch.
Hes gotten better each week, Patriots coach Bill Belichick said. He does a real good job of avoiding the rush but also keeping his eyes downfield and not just pulling the ball down and trying to run or kind of panicking in the pocket.
He has a lot of poise.
Lucks ability to buy time by scrambling away from pass rushers puts a greater burden on defensive backs to stay with their receivers, but the Patriots have allowed the fourth-most yards passing in the NFL and have been vulnerable to long completions. Theyre coming off a 37-31 win over the Buffalo Bills in which Ryan Fitzpatrick threw for 337 yards despite being sacked three times.
The Bills had a chance to win, but Fitzpatrick threw an interception into the end zone with 23 seconds left when rookie wide receiver T.J. Graham ran the wrong route.
Just like every week, Gregory said, you want to get pressure on the quarterback.
The two Patriots who have done the best job of that are defensive ends Chandler Jones, with six sacks, and Rob Ninkovich, with five. Defensive tackle Vince Wilfork sometimes occupies two blockers, giving the ends more space to operate.
Their front four is incredibly stout. Wilfork is one of the best nose tackles-interior guys in the league, Luck said. They have very good edge rushers on the sides. They do get to the quarterback and even if its not a sack, they sort of harass, force a quarterback out of the pocket. So, thatll be a focus all week.
If Luck has plenty of time to throw, the onus will be on the linebackers and defensive backs to keep him from completing passes.
You want to disguise your coverages, Gregory said. That doesnt change really too much with who youre playing. Thats pretty much a staple of what you want to do defensively.
The Patriots will throw a wild card into the mix with newly acquired cornerback Aqib Talib. He completed his suspension when the Patriots played the Bills after he was traded from the Tampa Bay Buccaneers. He had to sit out four games without pay for violating the NFL policy on performance-enhancing substances. He said when he was suspended that he took an Adderall pill without a prescription around the beginning of training camp.
Talib did not talk with reporters after practice, Hes expected to do that on Thursday. Teammates responded briefly to questions about the former first-round draft choice.
Obviously, hes learning, Ninkovich said. Hes hitting the ground running. Were just here to help him out and help his transition. The great thing about him is hes a great athlete.
The Patriots will have their own rookie, like Luck, trying to keep building on his transition to the pros.
The best thing is having great people around you, said safety Tavon Wilson, a second-round draft choice from Illinois. The older guys here have been great, instrumental in my development. So he probably has those older guys there, like Reggie Wayne, bringing him along.
He doesnt play like a rookie. He doesnt make too many mistakes. When he does make those mistakes, we have to make him pay for them.
Online: http://pro32.ap.org/poll and http://twitter.com/APNFLMORE IN Wire SportsSAN RAFAEL, Calif. St-riike! ... And were talking outside of outside corners. Full StorySANTA CLARA, Calif. Full StoryNEW YORK Tom Bradys lawsuit against the NFL in which he wants his four-game suspension... Full Story
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Tiny test fan
I made a tiny Ducted fan with a depron hub and balsa blades (4). It has thin balsa stators sanded to a wing like shape. I didn't calculate angles, or put any twist into the blades. The blades take up the outer 1/3 of the fan diameter,with the hub making up about 2/3 of the diameter. This was setup for a little freeflight motor about the size of a n20 but rated for 3 cells. On 3 50 mAh cells it draws .52 A fresh and 3.68 V. Assuming a fairly low effeciency for this first test, what AUW should I be aiming at for flight (FF)? Is there a rule of thumb for a minimum power level for a ducted fan?
Joined Jan 2001
162 Posts
Try to measure static thrust.
I just hang two loops of cotton thread from the ceiling to act as a cradle and measure the thrust on electronic kitchen scales.
Then a trust to weight of 1:2 or 1:3 should do it.
You may have to use more cells than recommended if the thrust is lacking? If you can get say 1oz. of static thrust, then the sums should work out and you could build a 50-80 gm. model?
Sounds like a great idea. Now if I can only find our scale... This fan was/is more of a proof of concept. If the numbers look remotely close, then I will try to make a better version.
I'd be happy to hit 50-60% . I redid the fan blades using thiner sanded balsa with a bit of twist (10 deg or so) in them. The blades are each less than 1 cm long and I only have 4. I might need more.
Am I correct in thinking of the rotor blades in terms of prop pitch where the aim is to provide the same forward velocity through the air from the inner to the outer end of the blade (less pitch at the outside, as it travels faster)? I'm not sure about the curves for the stators, how does one compute the best curves for these? They are basically flow straighteners in our little fans? I figure that working with a fan, and observing it as well as reading what I can about them should help my understanding a great deal. For freeflight, I think there is a wider tolerance of low effeciency as there is less mass to be hauling around (generally) so a lower effeciency fan should be ok (as long as it has enough thrust to fly the plane, I'm not really concerned about long flights with ff either)
Joined Jan 2001
162 Posts
Just as an example. Using simple trig. and a calculator.
Dia of hub = 1". Distance travelled by blade in 1 turn of the motor = 1 x phi = 3.143"
Say you decided on a 3" pitch.
Angle of blade at hub = Tan^-1 3/ 3.142 = 40 degrees.
Dia of tips is say 1.75". Distance travelled by tip in 1 turn of motor = 1.75 x phi = 5.5"
Angle of blade at tip = Tan^-1 3/ 5.5 = 28 degrees.
So twist the blade to have 40 degrees at the hub and 28 degrees at the tip.
The figures for your fan will be different, depending on the dia. of the hub and fan and the pitch you finally opt for.
I agree. For free-flight, max efficiency is not required. A short flight with moderate/adequate power is all thats needed.
Good luck
[This message has been edited by steve glass (edited 07-13-2001).]
For a very simple design designing the rototr to have a constant pitch is OK, but by no means optimized. The chords are very important also. To calulated the stator angles you need to calculate how much swirl is being generated by the rotor. It's not the easiest thing to do. There are a few text books that give proper design methods.
A more efficient fan would allow a smaller battery.
Steve is bang on with his reply. aim for 1:2 thrust ratio to allow for the servos and reciever
Is the fan in a duct? if so make it short and put it way back in the body.
What airframe? a Sabre would be nice...or a Mig or a Lightning how about a simple stick and 1/16 balsa wing to test the fan?
You have many options but even a 1000 mile walk starts with the first step.
Hear come the micro EDF's..........
At such small sizes, how much better would an airfoil section perform than a flate plate? I suppose speed would be more the issue, as I think the airfoil will come into it's own above a certain speed. Hopefully I'll have some more time this weekend to work on the fan a bit. Would it be ideal to have the stators start at the same angle as the airflow and then work back to straight? Would rounded or sharp edged stators be better? I imagine rounded might be better for varying fan speeds to compensate for the differing flow angles better. I suppose it should be possible to "stall" stators as well, if the angle was off too far? Perhaps cassete tape mylar streamers would give a bit of an indication of flow direction after the fan (and stators for testing). I guess I should make some method of easily moving the fan and motor from shroud to shroud as well.
Joined Jan 2001
162 Posts
I made a rubber powered fan unit 2" dia. It gave an initial burst of 14gm. static and a cruise of 8gm.
It flew a 1oz. delta-shaped thing for two laps of the sports-hall....great fun and in my eyes a success.
For micro-electric-fans, could there be a benefit with a single-blader fan? Would this solve some of the design problems without needing the brains of a rocket-scientist?
How does the pitch of the fan-blade vary, if it is not constant?...or are we back into rocket-science.
Joined Jan 2001
162 Posts
Try to read the article on Pete Shepherds EDF300 unit in the March1998 EFI. Or buy an EDF300 unit.
This will show you how to work to the neccessay accuracy using very basic workshop practice.
You'll never have a singe blade fan. I seriously doubt the numbers would ever end up telling you a single blade is best. Ducted fans can't be compared to props in design. There are several factors and constants used to determineoptimum blade shapes. Then you have to decide if you can build the optimum and make a decision were to compromise.
For a prop single blade is "best" because you have to deal with tip vortices and such. Even this can be argued when you take into account weight and balance.
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Use good-quality vanilla ice cream for this heady, fragrant summer dessert. Served with Rustic Rhubarb Tart, it's the perfect ending to a meal.
2 cups vanilla ice cream
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Step 1: Let ice cream soften at room temperature for 20 minutes.
Step 2: Transfer to large bowl and stir in thyme until well combined. Return to freezer until firm.
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Jakarta Globe
Bank Muamalat, an Islamic lender in Indonesia, is planning to raise Rp 800 billion ($85 million) from the sale of subordinated Islamic debt this week.
The bank, which is partly controlled by the Islamic Development Bank, is offering the 10-year Islamic notes to investors today and plans to list the debt on the Indonesia Stock Exchange next Monday.
The offering will be the first as part of Bank Muamalat's long-term plan to raise Rp 1.5 trillion within two years, the lender said in a brief prospectus published in Investor Daily on Monday.
Indonesia is the world's largest Muslim population country, with Muslims comprising 85 percent of its 240 million population.
Many companies, including lenders, have been seeking funds from the market to capitalize on low borrowing costs in Indonesia.
In a bid to boost economic growth, the country's central bank, Bank Indonesia, kept its benchmark rate at 5.75 percent earlier this month, a record low since it was introduced in July seven years ago.
Bank Muamalat is 32.74 percent owned by Islamic Development Bank, 19.3 by Kuwait's Boubyan Bank, 17.91 percent by Atwill Holdings, 6 percent by the National Bank of Kuwait and the rest by various shareholders.
It has 56 branches across the country, the prospectus showed.
There are 11 Shariah-compliant lenders in Indonesia, including Bank Syariah Mandiri and Bank Mega Syariah.
The 11 lenders held total assets of Rp 152.3 trillion as of March this year.
Bank Muamalat has hired Bahana Securities, Danareksa Sekuritas and Indo Premier Securities to help arrange the sale of the Islamic bonds.
Islamic bonds, known as sukuk, comply with Shariah law by using asset returns to pay investors instead of offering interest.


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Holiday On Ice: Speed
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suggestion - yeah another one....
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Join Date: Dec 2009
Location: denver, colorado, usa
Posts: 664
Re: suggestion - yeah another one....
Originally Posted by
The biggest problem I see with gear questions on the forum are the ones that start off with, "What is the best.........." Fill in the blank. I try to ignore those because you get 25 answers that are mostly opinion and since we don't know the person and their taste, or their budget, those questions are all but impossible to answer.
unfortunately it appears most of the forum is this way, which is why i thought it would help. even when somebody says "i'm looking to get this sound" still tons of people answer with remo is the best head, no, evans is the best head. thats great and all and i enjoy those posts looking at others point of views and hearing all the opinions on gear and especially looking at all the pictures... mmmmmmmm. when i want to know what a 10 mil 2 ply coated reso would sound like i hate wading threw 100's of "ec2's are the best, no, amb's are the best, i love attack and aquarian is my favorite" and maybe, just maybe after a few hours of reading and searching somebody will say 'well a 2 ply head will create this sound, coated will change it this way and the thickness means this". i think it would be very helpful just to be able to go to one article, read it and decide for myself if thats the sound i want and rather or not i should waste my money to try it.
then again it could also be very educational to those of use who really don't understand how all these different factors relate in the end. i would read that article just for the sake of learning rather i had a specific question or not. maybe it doesn't have to be a buying guide, just an article on how everything contributes to a drums sound.
i agree this site has got just about everything you could ever need in one place or another and it's basically became my encyclopedia for anything i wanna know about drums, but i would like to be able to find what i want quicker, easier and get back to fun stuff like drooling over other people's kits.
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WHEREAS, Merrill Lynch, Pierce, Fenner & Smith Incorporated ("Merrill Lynch") is a broker-dealer registered in the state of Missouri, with a Central Registration Depository ("CRD") number of 7691; and
State securities regulators from multiple jurisdictions have conducted coordinated investigations into the registration of Merrill Lynch Client Associates ("CAs") and Merrill Lynch's supervisory system with respect to the registrations of CAs; and
Merrill Lynch has cooperated with regulators conducting the investigations by responding to inquiries, providing documentary evidence and other materials, and providing regulators with access to facts relating to the investigations; and
Merrill Lynch has advised regulators of its agreement to resolve the investigations pursuant to the terms specified in this Consent Order (the "Order"); and
Merrill Lynch agrees to make certain changes in its supervisory system with respect to the registration of CAs, and to make certain payments in accordance with the terms of this Order; and
Merrill Lynch elects to waive permanently any right to a hearing and appeal under Section 409.6-604 and 409.6-609, RSMo. (Cum. Supp. 2008) with respect to this Order; and
Solely for the purpose of terminating the multi-state investigations, including the investigation by the Enforcement Section of the Missouri Securities Division ("Enforcement Section", and in settlement of the issues contained in this Order, Merrill Lynch, without admitting or denying the findings of fact or conclusions of law contained in this Order, consents to the entry of this Order.
NOW, THEREFORE, the Commissioner of Securities, as administrator of the Missouri Securities Act of 2003, hereby enters this Order:
Merrill Lynch admits the jurisdiction of the Commissioner of Securities in this matter.
Background on Client Associates
The CAs function as sales assistants and typically provide administrative and sales support to one or more of Merrill Lynch's Financial Advisors ("FAs"). There are different titles within the CA position, including Registered Client Associate and Registered Senior Client Associate.
The responsibilities of a CA specifically include:
Handling client requests;
Resolving client inquiries and complaints;
Determining if client issues require escalation to the FA or the branch management team; and
Processing of operational documents such as letters of authorization and client check requests.
In addition to the responsibilities described above, and of particular significance to this Order, some CAs are permitted to accept unsolicited orders from clients. As discussed below, Merrill Lynch's written policies and procedures require that any CAs accepting client orders first obtain the necessary licenses and registrations.
Notably, FAs might have a "primary CA" and a "secondary CA". As suggested by the designation, the customary practice is that the primary CA would handle the FA's administrative matters and client orders. However, if the primary CA was unavailable, the secondary CA would handle the FA's administrative matters and client orders.
During the period from 2002 to the present, Merrill Lynch employed approximately 6,200 CAs per year.
Registration Required
Pursuant to Section 409.4-402, RSMo. (Cum. Supp. 2008), it is unlawful for an individual to transact business in this state as an agent unless the individual is registered under this act as an agent or is exempt from registration as an agent under subsection (b).
Pursuant to Section 409.1-102(26), RSMo. (Cum. Supp. 2008), "Sale" includes every contract of sale, contract to sell, or disposition of a security or interest in a security for value. Accepting unsolicited orders in Missouri without being registered as an agent constitutes transacting business in the State of Missouri.
Pursuant to Section 409.4-402(d), RSMo. (Cum. Supp. 2008), it is unlawful for a broker-dealer engaged in offering, selling, or purchasing securities in this state, to employ or associate with an agent who transacts business in this state on behalf of broker-dealers unless the agent is registered under subsection (a) or exempt from registration under subsection (b).
Merrill Lynch Requires Registration of Client Associates
In order for a CA to accept client orders, Merrill Lynch generally required each CA to pass the series 7 and 63 qualification exams and to register in the appropriate jurisdictions.
At all times relevant to this Order, Merrill Lynch's policies and procedures specified that each CA maintain registrations in the same jurisdictions as his or her FA, or broadly required that each CA maintain registrations in all necessary jurisdictions.
Regulatory Investigations and Findings
In May 2008, the Enforcement Section received a tip alleging that Merrill Lynch was failing to ensure its CAs were in compliance with jurisdictional registration requirements and its own procedures. The tip alleged that Merrill Lynch CAs were registered in two jurisdictions - the CA's home state and one neighboring state - because Merrill Lynch only paid for registrations in two jurisdictions.
The Enforcement Section opened an investigation into Merrill Lynch's practices in connection with CA registrations.
During the summer of 2008, Merrill Lynch received inquiries regarding CA registrations from a number of state securities regulators.
Because Merrill Lynch's relevant trade records were maintained in hard copy and only at branch offices across the country, the Enforcement Section's investigation focused on systemic issues with Merrill Lynch CA registrations and related supervisory structure instead of attempting to identify each incidence of unregistered activity. Specifically:
After accepting a client order, CAs accessed the electronic trading system to enter the order;
The CAs did not have to identify themselves during the order entry process. Therefore, there is no electronic record that identifies which orders were accepted by CAs;
Instead, Merrill Lynch maintained a daily report that recorded the identity of the person who accepted and/or entered each order. However, this report was not maintained electronically, and was only maintained at the branch office where the order was entered. Merrill Lynch represented that this daily report was the only record that could identify who accepted a client order.
Merrill Lynch's trading system checked the registration of the FA, but did not check the registration status of the person accepting the order to ensure that the person was registered in the appropriate jurisdiction.
The Enforcement Section's investigation found that although the FA was registered in Missouri many CAs who accepted orders were not registered in Missouri as agents of Merrill Lynch. This difference in registration status increased the possibility that CAs would engage in unregistered activity.
The Enforcement Section's investigation found that certain Merrill Lynch CAs engaged in the sale of securities in Missouri at times when the CAs were not appropriately registered in Missouri.
Merrill Lynch's Remedial Measures and Cooperation
As a result of the inquiries by the Enforcement Section and other state regulators, Merrill Lynch conducted a review of its CA registration practices.
Merrill Lynch's review found that as of June 30, 2008, the firm had 3,780 registered CAs. Approximately 2,200, almost 60%, of those registered CAs were only registered in their home state or their home state and one additional state.
Consistent with the fact that many Merrill Lynch CAs were only registered in one or two jurisdictions, Merrill Lynch's review found incidences of trading by CAs not properly state registered.
In October 2008, Merrill Lynch amended its registration policy to require that each CA mirror the state registrations for the FAs that they support.1 Merrill Lynch's Registration Compliance personnel participated in calls with branch management to advise the field about this requirement.
As Merrill Lynch worked on a more permanent solution, it also developed a temporary report intended to identify instances where a CA's registration did not match the FA or FAs the CA supported.
Between October 1, 2008 and January 28, 2009, four hundred and twenty seven (427) CAs registered with the Commissioner of Securities as agents of Merrill Lynch. Yet, data as of February 28, 2009 indicated that significant gaps remained between the registrations of CAs and their FAs.
However, Merrill Lynch, as a compliance enhancement, also developed an electronic system that will prevent a person from entering client orders from a state in which the person accepting the order is not registered. Merrill Lynch has represented to the Staff that the firm began implementing this new system in June 2009 and expects it to be fully implemented by December 31, 2009.
Merrill Lynch provided timely responses and substantial cooperation in connection with the regulatory investigations into this issue. Furthermore, as displayed by the corrective actions described above, Merrill Lynch has acknowledged the problems associated with its CA registrations and supervisory system.
The Commissioner of Securities has jurisdiction over this matter pursuant to the Missouri Securities Act of 2003, Chapter 409, RSMo. (Cum. Supp. 2008).
Merrill Lynch's failure to establish an adequate system to monitor the registration status of persons accepting client orders constitutes a failure to reasonably supervise its agents pursuant to Section 409.4-412(d)(9), RSMo. (Cum. Supp. 2008) and this conduct constitutes grounds under Section 409.4-412(b), RSMo. (Cum. Supp. 2008), to revoke, suspend, condition, or limit its registration in the State of Missouri.
Merrill Lynch's failure to require its CAs to be registered in the appropriate jurisdictions constitutes a failure to enforce its established written procedures, and pursuant to Section 409.4-412(d)(9), RSMo. (Cum. Supp. 2008), constitutes grounds under Section 409.4-412(b), RSMo. (Cum. Supp. 2008), to revoke, suspend, condition, or limit its registration in the State of Missouri.
Pursuant to Section 409.4-402(d), RSMo. (Cum. Supp. 2008), Merrill Lynch's sales of securities in Missouri through unregistered CAs constitutes grounds under Section 409.4-412(d)(2), RSMo. (Cum. Supp. 2008), to revoke, suspend, condition, or limits its registration in the State of Missouri.
Pursuant to Section 409.6-604, RSMo. (Cum. Supp. 2008), Merrill Lynch's sales of securities in Missouri through agents not registered in Missouri constitutes grounds to order Merrill Lynch to cease and desist engaging in the sale of securities in Missouri through unregistered agents.
Pursuant to Section 409.6-604(h), RSMo. (Cum. Supp. 2008), the Commissioner is authorized to issue administrative consent orders in the settlement of any proceeding in the public interest.
The Commissioner finds this Order to be in the public interest, necessary for the protection of public investors and consistent with the provision of Chapter 409, RSMo. (Cum. Supp 2008).
Merrill Lynch hereby undertakes and agrees to immediately establish and maintain a trade monitoring system that prevents any person from entering client orders that originate from jurisdictions where the person accepting the order is not appropriately registered.
Merrill Lynch further undertakes and agrees to file with the Enforcement Section, within sixty days of the date of this Order, a report describing Merrill Lynch's improvements in its ability to monitor the identity and registration status of each person who accepts a client order entered on Merrill Lynch's trading system.
For the period from the date of this Order through December 31, 2010, Merrill Lynch further undertakes and agrees to notify the Enforcement Section if it finds that any person associated with Merrill Lynch accepted a client order in Missouri as an agent of Merrill Lynch without being registered, or exempt from registration with the Commissioner.
On the basis of the Findings of Facts, Conclusions of Law, and Merrill Lynch's consent to the entry of this Order, IT IS HEREBY ORDERED:
This Order concludes the investigation by the Enforcement Section and any other action that the Enforcement Section could commence against Merrill Lynch under applicable Missouri law on behalf of Missouri as it relates to unregistered activity in Missouri by Merrill Lynch's CAs and Merrill Lynch's supervision of CA registrations during the period from January 1, 2004 through the date of this Order.
This Order is entered into solely for the purpose of resolving the referenced multi-state investigation, and is not intended to be used for any other purpose. For any person or entity not a party to the Order, this Order does not limit or create any private rights or remedies against Merrill Lynch including, limit or create liability of Merrill Lynch, or limit or create defenses of Merrill Lynch, to any claims.
Merrill Lynch is hereby CENSURED.
Merrill Lynch is hereby ordered to cease and desist from engaging in the sale of securities in the Missouri through persons not registered as agents of Merrill Lynch with the Commissioner.
Merrill Lynch is hereby ordered to pay the sum of three hundred sixty-seven thousand dollars ($367,500.00) to the Missouri Investor Education Fund by sending this amount to the Missouri Securities Division at 600 West Main Street, Jefferson City, Missouri 65201, within ten days of the date of this Order.
Merrill Lynch shall pay up to a total of twenty six million, five hundred sixty-three thousand, ninety four dollars and fifty cents ($26,563,094.50) in fines, penalties and any other monetary sanctions or payments among the 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands pursuant to the calculations discussed with the multi-state working group.
However, if any state securities regulator determines not to accept Merrill Lynch's settlement offer, the total amount of the payment to the State of Missouri shall not be affected, and shall remain at three hundred and sixty-seven thousand ($367,500.00).
Merrill Lynch is hereby ordered to comply with the Undertakings contained herein.
This order is not intended by the Enforcement Section to subject any Covered Person to any disqualifications under the laws of the United States, any state, the District of Columbia, Puerto Rico, or the U.S. Virgin Islands including, without limitation, any disqualification from relying upon the state or federal registration exemptions or safe harbor provisions. "Covered Person," means Merrill Lynch or any of its affiliates and their current or former officers or former officers, directors, employees, or other persons that would otherwise be disqualified as a result of the Orders (as defined below).
This Order and the order of any other State in related proceedings against Merrill Lynch (collectively, the "Orders") shall not disqualify any Covered Person from any business that they otherwise are qualified, licensed or permitted to perform under applicable securities laws of Missouri and any disqualifications from relying upon this state's registration exemptions or safe harbor provisions that arise from the Orders are hereby waived.
This Order shall be binding upon Merrill Lynch and its successors and assigns as well as to successors and assigns of relevant affiliates with respect to all conduct subject to the provisions above and all future obligations, responsibilities, undertakings, commitments, limitations, restrictions, events, and conditions.
Merrill Lynch shall pay its own costs and attorneys' fees with respect to this matter.
Merrill Lynch hereby acknowledges that it has been served with a copy of this Consent Order ("Order"), has read the foregoing Order, is aware of its right to a hearing and appeal in this matter, and has waived the same.
Merrill Lynch admits the jurisdiction of the Commissioner, neither admits nor denies the Findings of Facts and Conclusions of Law contained in this Order, and consents to entry of this Order by the Commissioner as settlement of the issues contained in this Order.
Merrill Lynch agrees that it shall not claim, assert, or apply for a tax deduction or tax credit with regard to any state, federal or local tax for any administrative monetary penalty that Merrill Lynch shall pay pursuant to this Order.
Merrill Lynch states that no promise of any kind or nature whatsoever was made to it to induce it to enter into this Order and that it has entered into this Order voluntarily.
Teresa M. Brenner represents that she is Associate General Counsel of Merrill Lynch and that, as such, has been authorized by Merrill Lynch to enter into this Order for and on behalf of Merrill Lynch.
Dated this ____ day of __________________, 2009 .
Title: _______________________________________
SUBSCRIBED AND SWORN TO before me this _____ day of __________________, 2009.
[Affix seal]
Notary Public in and for the
State of North Carolina
My Commission expires:
[1] It should be noted that Merrill Lynch's policy required CA/FA registration mirroring prior to 2006. In 2006, it amended the relevant policies and procedures to more broadly require that CAs maintain appropriate registrations.


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The following graphic compares the cost of living between Kavala, Greece and the Argyroupolis, Greece and assumes earnings of $50,000 in the base city.
If you are earning 50,000 Euro in Kavala, Greece you would need to earn 56,173 Euro in the Argyroupolis, Greece to maintain the same standard of living.
Currency in Euro


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English III Course Online – College Prep
Our online College Prep English III course is a convenient way to make up a class, get ahead or supplement your homeschool curriculum. Study online at your own pace from anywhere — home, work or while on vacation. This two-part course is accredited by AdvancED-SACS. Enroll anytime and be a step closer to graduating with your high school diploma!
High School Course Materials
You'll get textbooks, eBooks, and all study materials for one low price of $299. You also get teacher support, unlimited tutoring and access to the online student community for 24/7 assistance.
What You'll Study
The oral tradition; poetry; fiction; drama; non-fiction; the American revolution; short stories; novels; New England renaissance prose and poetry; the Civil War period and slavery; abolitionist voices; frontiers; contemporary literature; developing writing skills; using grammar correctly; proofreading; editing; broadening your vocabulary; speaking and listening; research skills; letters and forms; writing on the job.
Course Name: English III – College Prep
Subject Area: English
Credits: 1
Track: College Prep
Study Method: eBooks, Textbooks


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Defending against drought
A State Climate Office discussion of "lessons learned and issues" from the 2007 drought includes a simple, cartoonishly illustrated graphic that speaks volumes about human nature and weather crises.
It sketches "the Hydro-Illogical Cycle," which goes from drought, to awareness, to concern, to panic, to rain, to apathy and back to drought again. Sounds familiar.
But lessons learned from that drought, which extended well into 2009 although at less serious levels, have sunk in, so to speak, with the City of Durham and Duke University.
Duke, a high-volume user of city water with critical needs for serving not only the university but its vast medical complex, has been working for years to reduce its dependence on the municipal water supply. Its efforts by next year will cut its dependence on city water by about one-fifth -- and save the university about $400,000 a year.
That, of course, will also be about $400,000 out of the city water system's income. No worries, though, say city officials -- in fact, taking that demand off the system will allow it to accommodate Durham's continuing strong growth while postponing expensive investment in new capacity.
Duke's new self-provided water supply will be used to run the university's chiller plants, so it will free up city water treated more highly than those needs require.
"We wouldn't be getting as much revenue from selling water to them, but our overarching goal is to make sure we're providing safe drinking water for potable-water purposes," Vicki Westbrook, the assistant director of the city's water department, told The Herald-Sun's Ray Gronberg last week.
Meanwhile, Durham is also putting the finishing touches on its request for an additional 6.5 million gallons of water a day from Jordan Lake, about 65 percent more than it is allowed to draw from the lake now. That will help supplement the water stored in the city's reservoirs at Lake Michie and Little River, which sank to worrisomely low levels in the drought.
For Duke, the $9 million "reclamation pond" taking shape very visibly off Erwin Road west of the vast medical center complex is the culmination of efforts to ensure a sustainable water supply. The lake will collect rain water from about a quarter of the campus to supply the chilling equipment.
Duke's new reservoir will have a landscaped perimeter and the site will include a pavilion and a walking path. "We decided we weren't just digging a hole," said Steve Palumbo, Duke's energy manager. "We're making it more of a campus amenity."
Duke becomes more comfortable with its water supply, it saves money and combined with conservation measures lessens its overall demand for water, it gets an attractive water feature on the edge of campus and the city buys time before having to expand its infrastructure.
The project sounds like an unalloyed win on many fronts.


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Enjoy breathtaking Red Sea views from the Hilton Taba Resort & Nelson Village. The hotel boasts a unique position just 10 kilometers from Eilat, overlooking three countries—Jordan, Israel, and Saudi Arabia. Wander down the golden sands of the private beach or get active at the Aqua Sports Center offering fun activities like water-skiing and sailing. Explore the pristine coral reefs on a scuba diving or snorkeling excursion or simply relax at the pool complex with a fruity cocktail from Pirates Bar. Indulge with a massage at the beauty salon while the children have fun at the Kids Club.
Sample delicious Egyptian and Asian cuisine in atmospheric surroundings at Marhaba Restaurant or dine al fresco at the international buffet theme nights at Palm Court restaurant. Taste the freshest seafood while taking in stunning Gulf of Aqaba views at Casa Taba restaurant and sip a cold beer at Nelson Village Pub. With nightly entertainment, a disco and a casino, there is plenty to keep you entertained.
Host weddings, large meetings, and events for up to 550 guests in the ballroom or use the smaller events room for up to 90 guests. Rely on the supportive business services and WiFi to ensure meetings are a success.
Recuperate in a comfortable guest room with mountain views and modern amenities. Take in sea views from the private balcony in a suite with separate areas for living and sleeping.
Dive and snorkel at the hotel's private beach, exploring the incredible sea life of the Red Sea. Take a trip to Pharaoh's Island, a few miles away for the ultimate in marine discovery. Soak up the sun on the boat before swimming right by the coral reef, alongside the brightly colored tropical fish. Cross the border to Eilat, Israel only a mile from the hotel.
Marvel at King Solomon's Pillars, natural geological formations 20 miles north of the Gulf of Aqaba or head over the border to Jordan and explore the unique and historical city of Petra, carved into rock. Watch the Red Sea tropical fish at the Underwater Observatory Marine Park in Eilat with an extensive collection of fish-filled aquariums, stingray pool and daily shark feedings. Enjoy a game of golf in the middle of the desert at Taba Heights Golf Course, overlooking the expanse of the ocean.
Mena Travel Award 2014
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Shopping: the best shops, boutiques and department stores in Barcelona by Time Out Barcelona. Follow your guide and find out reviews, tips, dates and much more
The best of La Rambla
Our guide to shops, restaurants, cafés, bars and art from a street that's unlike any other
Made in Barcelona
15 shops where you can find home decorations, fashion and accessories, all from local designers and artisans
Original souvenirs and gifts
Want an original and authentic gift to remember Barcelona? We've got you covered with these 15 shops.
Vintage & second-hand
Shops, fashion and accessories from times gone by
Allergy-friendly Barcelona
Got food allergies? Find shops (and restaurants) where you can get safe and scrumptious food and ingredients
Great shopping ideas
Shop reviews
With an interior design that looks more like a clothes shop than an exclusive ice cream parlour, Vioko has more than 50 flavours of ice cream, some of them...
Timeless, modern, tactile and streamlined: four adjectives that define the design principles of COS, the high-end collections of clothing giant H&M. The...
This tiny and quirky pastisserie, which looks a bit like the setting for a fairytale, is where Manuela Carusso bakes his cakes. Of German mother and Italian...
A visit to Chandal feels like a trip into the past: not only does this retro concept shop with an eye-popping assortment of inventory sell records from...
When you're shopping for a souvenir for yourself or someone back home, it seems like you keep going in and out of the same shop over and over. But no more....
Cafés el Magnífico
The Cafés El Magnífico shop has a tasting area where you can sample a carefully prepared coffee.In the Cafés El Magnífico shop – where you can get yourself...


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Rep. Michele Bachmann went after Rick Perry on Monday night for the Texas governor's ties to pharmaceutical giant Merck & Co. Inc. But Bachmann herself is no stranger to contributions from the pharmaceutical industry, according to the Center for Responsive Politics.
None of the roughly $146,400 the Minnesota lawmaker received from the pharmaceutical industry over the course of her career came from Merck, the nonpartisan research group said. Still, that sum ranks the pharmaceutical and health-products industry as her No. 15 career campaign contributor.
Bachmann suggested that Perry tried to mandate the inoculation of girls in Texas against the virus that causes cervical cancer partly because Merck — which made the vaccine — contributed to his campaign. Perry acknowledged receiving $5,000 from Merck.
The outspoken Texas governor said he's "offended" by the suggestion he could be bought for $5,000. He issued the executive order mandating the vaccine in 2007. Perry says he regrets the order, which was later repealed by the Texas legislature.
A report on Tuesday said that Perry actually low-balled his contributions from Merck. Citing records from the Texas Ethics Commission compiled by the National Institute on Money in State Politics, National Journal reported that Perry got a total of $28,500 in contributions from the company's political action committee from 2002 to 2010.
Perry and Bachmann will soon have another opportunity to go head to head over contributions. Those two and other GOP presidential hopefuls will debate next on Sept. 22. In the meantime, Bachmann is keeping up her line of attack.
"I think it's important to point out that this donor, like so many other of the governor's donors, received appointments, received political favors," she told Fox News after the debate on Monday night. I think that we're going to hear a lot more about that in the course of the campaign because this is what the American people don't want. They don't want crony capitalism."
– Robert Schroeder


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"You Make the Call: Learn to Be an NFL Official"
Upper West Side
Until Sun Mar 23 2014
- $
Courtesy Children's Museum of Manhattan
Not yet rated
Time Out says
Thu Dec 5 2013
The Super Bowl is coming to MetLife Stadium, the home of the New York Giants and the New York Jets, in 2014, and to celebrate, the NFL is partnering with CMOM to bring kids up to speed on the art of officiating football games. Young visitors can try out a facsimile of the NFL's instant replay system and learn the various signs and signals officials use to communicate their calls. There's also the NFL Play 60 obstacle course, which teaches kids kids how important fitness is to the job. All ages.
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Chad Bettis
Rockies Promote Butler From Minors To Start Vs. Padres
The Colorado Rockies have recalled right-handed pitcher Eddie Butler from Triple-A to start Sunday against San Diego.
Rockies Activate 1B Morneau, LHP Logan From DL
The Colorado Rockies have activated first baseman Justin Morneau and left-handed pitcher Boone Logan from the disabled list.
Rockies Place RHP Jhoulys Chacin On DL
The Colorado Rockies' beleaguered starting rotation took another blow as right-hander Jhoulys Chacin was placed on the 15-day disabled list Monday with an inflamed shoulder.
Rockies Recall LHP Matzek, Send Down RHP Bettis
The Colorado Rockies have recalled left-hander Tyler Matzek from Triple-A Colorado Springs and optioned right-hander Chad Bettis to the Sky Sox.
Rockies Put OF Cuddyer, RHP Butler On 15-Day DL
The Colorado Rockies put outfielder Michael Cuddyer and right-hander Eddie Butler on the 15-day disabled list and selected the contract of right-hander Christian Bergman to make his major league debut.
Rockies' Chatwood Headed To DL With Elbow Strain
The Colorado Rockies have placed right-hander Tyler Chatwood on the 15-day disabled list with a right elbow strain and recalled righty Chad Bettis from Triple-A Colorado Springs.
Rockies Give Up Slam In The 11th, Lose 12-10 To Giants
Hector Sanchez hit two of San Francisco's six homers, including a grand slam in the 11th inning Wednesday that gave the Giants a wild 12-10 victory over the Colorado Rockies.
White Sox Hit 6 Homers In 15-3 Win Over Rockies
Jose Abreu and Avisail Garcia each hit two of Chicago's six homers, powering the White Sox to a 15-3 win over the Colorado Rockies on Tuesday night.
Oswalt Struggles Again, Padres Rally Past Rockies
Pinch-hitter Nick Hundley delivered a three-run double in the seventh inning that lifted the San Diego Padres to a 5-2 win over the Colorado Rockies on Sunday.
Rough 1st Inning For Bettis In Rockies' Loss To SF
Five solid innings by rookie pitcher Chad Bettis couldn't make up for a rough opening on Tuesday night.


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Young Invincibles and Assist DC: Capital City Area Health Education Center will educate and enroll young DC residents at Union Market during a local festival. Event on-site contact: Tristan Wilkerson (202) 203-9844; email@example.com. To get a copy of the enrollment checklist, visit www.dchealthlink.com.
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Ask the DC DMV Director.
Find a pool or spray park near you.


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Redfield Revolution Scope
The American-made legend returns, and better than ever. The Redfield® Revolution™ Scope features Rapid Target Acquisition (RTA) ensuring you never miss a shot because you couldn't find the ''sweet spot'' behind the eyepiece. Illuminator Lens System™ uses premium lenses and cutting-edge coatings to deliver superior light transmission, especially in critical low-light periods. Accu-Range™ reticle excels at long range; 100% waterproof, fogproof, and shockproof. Manufacturer's lifetime warranty.
- Rapid Target Acquisition (RTA)
- Illuminator Lens System™
- Premium lenses and cutting-edge coatings deliver superior light transmission
- Accu-Range™ reticle excels at long range
- 100% waterproof, fogproof, and shockproof
- Manufacturer's lifetime warranty
An American original returns, with a sharper focus!
No-nonsense optics for everyone. John C. Redfield's vision for his company, developed more than 100 years ago, is as valid today as it was then. After nearly a century of making top-notch optical equipment available to hunters at affordable prices, however, the company closed its doors in 1998. Sadly, the hunting industry had lost one of its legends.
Fast-forward to 2008. Leupold & Stevens, Inc., the U.S.-based maker of Leupold® optics, purchased Redfield, revived the brand, and prepared to once again make great optics in keeping with the traditions of the name.
Redfield products today are made for real hunters—those who scout, set up blinds, and wake long before dawn. Whether you're after a trophy buck or a full freezer, Redfield optics will get the job done, season after season, and without breaking the bank.
Outdoor Answers
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SAN ANTONIO — Emmy-winning actress Ann B. Davis, who became the country's favorite and most famous housekeeper as the devoted Alice Nelson of "The Brady Bunch," died Sunday at a San Antonio hospital. She was 88.
Bexar County, Texas, medical examiner's investigator Sara Horne said Davis died Sunday morning at University Hospital. Horne said no cause of death was available and that an autopsy was planned for today.
Bill Frey, a retired bishop and a longtime friend of Davis, said she suffered a fall Saturday at her San Antonio home and never recovered. Frey said Davis had lived with him and his wife, Barbara, since 1976.
More than a decade before scoring as the Bradys' loyal Alice, Davis was the razor-tongued secretary on another stalwart TV sitcom, "The Bob Cummings Show," which brought her two Emmys.
Over the years, she also appeared on Broadway and in occasional movies.
Producer Sherwood Schwartz's "The Brady Bunch" debuted in 1969 and aired for five years. – Associated Press


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Dallas Cowboys and the NFL
Latest news on the Cowboys
Monthly Archive for April, 2010
Spears, Octavien sign tenders
Starting defensive end Marcus Spears and backup linebacker Steve Octavien, a pair of restricted free agents, signed their tenders today. Spears had his best season as a pro last year, starting 15 games and recording 50 tackles, 2.5 sacks, two tackles for loss and 16 quarterback pressures. He joined the Cowboys in 2005 as the […] [Read More]
Jerry Jones says farewell to Adams, Hamlin
The Dallas Cowboys just released a statement from Jerry Jones regarding the decision to release Flozell Adams and Ken Hamlin. Unfortunately, Jones doesn't discuss the reasons for cutting the two. Jones on Adams: "Having a left tackle of Flozell Adams caliber has been a luxury for the Dallas Cowboys for the past 12 years. That […] [Read More]
Adams, Hamlin sent packing
Offensive tackle Flozell Adams and safety Ken Hamlin are no longer Dallas Cowboys. The team released the two veterans Friday morning, shaking up a roster that many believe is one of the league's most talented. Adams was the club's longest-tenured player, holding down the vital left tackle spot the last 12 seasons. A second-round pick […] [Read More]
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We are committed to providing a high quality service. Last financial year we invested £80m in our bus fleet, and ordered 100 low emission hybrid buses.
Go-Ahead is one of the UK's largest bus operators. With a fleet of around 4,600 buses, we carry almost two million passengers every day. Our operations are focused on high density urban areas and along commuter growth corridors. We are the largest operator in London, with around 24% market share, where we provide regulated services for Transport for London (TfL). We operate deregulated services in Oxford, the South East, Southern and North East England.
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Telephone 0191 232 3123,Fax 0191 221 0315
Registered company number: 2100855.Registered in England & Wales.


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By Paul StoneAmerican Forces Press Service
WASHINGTON, Dec. 24, 2003 Transformation of DoD budgetary practices during the past few years is having a rippling effect, reaching far outside the Pentagon and positively influencing how private industry views working with the Defense Department.
That's the assessment of Dov Zakheim, DoD's undersecretary of defense (comptroller) and chief financial officer.
Zakheim, one of the chief architects in the effort to transform DoD budgetary practices, said in a recent interview that private industry including both established defense contractors and those with whom the department has not traditionally conducted business now view DoD as a more attractive business partner.
He credits this primarily to changes in the way that DoD programs funding and how it looks at its budget.
Zakheim said the first step he took upon taking office was to streamline the budget process and provide a "degree of consistency that wasn't there before." He explained that budget process basically was broken down into two parts: the program review, performed by the Office of Director of Program Analysis and Evaluation, and the budget review, performed by Zakheim's office -- two processes that were more independent than integrated at the time.
"The program review traditionally looked at programs -- did you want to buy an F-16, as opposed to an F-18, as opposed to an aircraft carrier - - and they were decisions made in the summer prior to the start of the new fiscal year," Zakheim explained. "What then happened was we would review the actual budget proposals, and those who didn't get what they wanted in the program review looked at the budget review as a vehicle for overturning prior decisions. And in many cases, that happened. The two reviews did not share a common database, nor did they harmoniously integrate the people who were managing each of the reviews."
Today, all that has changed. Zakheim said that during the past year, the two staffs have become fully integrated, working hand-in-hand to ensure that what happens during the program review does not change in the budget review. "We simply issue a document that confirms, in budgetary terms, the decisions made in programmatic terms," he said.
Another significant change is Zakheim's initiative to examine the budget from a two-year perspective. "This has allowed us to make a commitment not to tamper with financial resources from one year to the next," he explained. "So in effect, what we're doing is carrying forward the full vision of transformation that really began last year."
What this means for those who do business with DoD, Zakheim said, is it gives them an increased sense of security that what DoD commits to invest in one year will not disappear the next. "Industries are always concerned about planning stability," he said. "Corporate planners want to know what their orders will look like next year and the year after that. And by incorporating that (long- term) view into our practices, by minimizing changes, and by building on previous (budgetary) decisions, we're giving industry a better sense of where we're going."
Zakheim used the shipbuilding industry as an example. "Each year we promised that the following year (we) would do something more with shipbuilding. And it's not unfair to say that the shipbuilding account is more stable than it has been in years," he said. "That's important, because it's a volatile industry in which people move out very quickly if they don't see jobs. They go elsewhere and don't come back. And it's extremely hard and costly to get started back up again."
Transformation of budget practices is also attracting business outside of the traditional defense firms, and Zakheim credits that, in part, to integration of some corporate practices in the DoD budget process.
"My emphasis on having clean audits financial statements that make sense to the outside world I believe is helpful," he said. "It shows them that we understand how they do business and it helps them understand us."
As a result, Zakheim said that increasingly more businesses from the high-tech sector are showing interest in doing business with DoD, especially as they recognize how much the department now relies on information-based technologies.
"My colleagues in acquisition and technology have also tried very hard to create a more company-friendly environment so we can attract the leading edge of American business," he said. "And we believe that has begun to occur.
"So now we have two constellations: One is (made up of) traditional vendors, and the second is (made up of) less traditional vendors, many of which sell off the shelf," he continued. "The result is we've expanded our reach and probably increased competition in ways people haven't thought about, which means a better price for the taxpayer. And the end product is pretty clear. We are unchallenged around the world. That doesn't happen by accident."


text: The faux hawk works for short hairstyles for men too. This short faux hawk is a simplified version of the look, with just the hair at the middle of the top forming the distinctive mohawk peak. The key to the look using product that isn't visible or greasy. The rest of close cropped hair is worn gladiator style, down the forehead. Sideburns, as always, are optional.


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Children visiting the Marine Corps Air Ground Combat Center practice Marine Corps drills during a mock combined arms exercise on Felix Field in Twentynine Palms, Calif., Nov. 26, 2013.
U.S. Marine Corps Lance Cpl. Paul Martinez
U.S. Army Sgt. Stephen Ogden provides security for potential threats at an Afghan border police checkpoint near Forward Operating Base Torkham in Afghanistan's Nangarhar province, Nov. 18, 2013. Ogden, a team leader, is assigned to 10th Mountain Division's Company C, 2nd Battalion, 30th Infantry Regiment, 4th Brigade Combat Team.
U.S. Army photo by Sgt. Eric Provost
U.S. Marine Corps Maj. James Fleming, left, speaks with a local police officer with the help of his interpreter, right, at the police outpost in Delaram in Afghanistan's Helmand province, Nov. 16, 2013. Fleming spoke with police at the outpost about their training and security operations.
U.S. Marine Corps photo by Cpl. Paul Peterson
U.S. Navy Seabees use a 40-ton hydraulic crane to replace a 6,000-pound transformer that powers portions of Kadena Air Base, Okinawa, Japan, Nov. 21, 2013. The sailors are assigned to Naval Mobile Construction Battalion 3.
U.S. Navy photo by Petty Officer 1st Class Chris Fahey
Paratroopers prepare to conduct airborne training with T-10D parachutes on Fort Bragg, N.C., Nov. 21, 2013. The paratroopers are assigned to the 82nd Airborne Division's 4th Brigade Combat Team.
U.S. Army photo by Sgt. 1st Class Joseph Armas
Army Sgt. Jon Garcia inspects the safety equipment inside a UH-60 Black Hawk helicopter during phase three rappel testing on Fort Hood, Texas, Nov. 20, 2013. Garcia is an air assault instructor. During the 10-day course, soldiers qualify to conduct air mobile and air assault helicopter operations including aircraft orientation, slingload operations, proper rappelling techniques and fast-rope techniques.
U.S. Army photo by Sgt. Ken Scar
The East Coast Marine Corps Combined Band marches in Macy's Thanksgiving Day Parade in New York, Nov. 28, 2013. The band includes 80 instrumentalists from the Marine Corps' three largest East Coast installations; Marine Corps Base Quantico, Va., Camp Lejeune, N.C., and Marine Corps Air Station Cherry Point, N.C.
U.S. Army photo by Sgt. A.J. Rasure
U.S. Army Command Sgt. Maj. Christopher T. Crawford, left, gives U.S. Army Spc. Victor W. Stephans, his tray of food while serving lunch at the Koele Dining Facility during Thanksgiving Day on Bagram Airfield, Afghanistan, Nov. 28, 2013. Crawford, the senior enlisted advisor, and Stephens, a mechanic, are assigned to 101st Special Troops Battalion.
U.S. Army photo by Sgt. Sinthia Rosario
CJCS Addresses Students at Seminar
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SECDEF Testifies On Challenges In Middle East
℠2015 - Secretary of Defense Ash Carter testified before the Senate Armed...
GEN Dempsey: Iran Deal Will Not Change Military Options
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I do a lot. Mostly stuff. A bunch of things. And of course an occasional "why the heck am I doing that." And to keep track of all of my stuff, things and "why the heck am I doing that's" I have a list. A to-do list. But not just any old to-do list. I use an app on all of my devices to make sure that my time sucking little friends follow me wherever I go. I tackle each and every one of the … [Read more...]
Do the Impossible
I believe that we all have a purpose. Something bigger than ourselves. Something to point our life towards. Something that actually matters. It usually comes in the form of a nagging feeling that you were meant for more than this. Whatever this is for you. Maybe your job leaves you unfulfilled. Or you've fallen out of love with the way you spend your day. Or maybe you just woke up one morning … [Read more...]
So, Now What?
Perhaps you don't realize it. Or maybe you just aren't always aware of it. But we all have a constant onslaught of questions swimming around in our heads. These questions determine how we define what we are going through. They are the lens through which we see life. And ultimately how (or if) we take action. The problem is that the majority of these questions go something like … [Read more...]
An Incomplete List of Things that Piss Me Off (The E-mail Edition)
If I was forced to point towards the one thing that I felt would someday usher in the demise of our existence as a species, it would not be terrorism. Or the result of an international nuclear pissing match. It would have nothing to do with religion. And I'm pretty sure it wouldn't involve aliens (although an alien invasion would be pretty freaking cool). It would be e-mail. That's right. … [Read more...]
The Tale of Inspiration, Perspiration, Preparation and Celebration
It was Thomas Edison that was once quoted as saying "Genius is 1 percent inspiration and 99 percent perspiration." While I'm pretty sure that was just his passive aggressive way of telling his wife to crank up the a/c (don't quote me on that), I do believe there is a lesson in there somewhere. But first, I believe that his little equation needs a couple of tweaks to make it look a little more … [Read more...]
Are You a Hero or Just One of the Regular People?
I saw a trailer for the movie "Wish I Was Here" the other day. It's the one with Zach Braff. The guy from Scrubs. Which, not to get off topic so soon, is a little like calling Neil Patrick Harris the guy from Doogie Houser. Anyway. There was a line towards the end of the trailer that broke me down to tears. Literally. And we're not talking the funny ones either. Or even the feel good ones. … [Read more...]
Does Networking Work? Or Why Chris Brogan is Writing a Book Entitled "Marc Was Right!"
I like Chris Brogan. He's one of a few people I know of online that has genuinely figured out how to succeed at the service of others. As opposed to the expense of others like most. Chris is a good egg. Which is why it pains me to have to publicly shame him in front of the hundreds of millions of people that read my blog each and every day*. *Actual number of readers may not be … [Read more...]
Pretty Ugly
I can remember it like it was yesterday. I was in third grade and had just moved to a new town in the middle of the school year. I was a pretty normal kid. Except maybe for the awkwardly curly hair, buck teeth, braces, thick brown glasses and the trombone I was carrying. Other than that? Totally normal. On my first day at my new school, one of the girls in my class came up to me and … [Read more...]
The Pussification of the Internet
Well, it was just a matter of time before our little playground called "The Internet" was ruined. Beaten to a digital pulp by what seems to be the only thing left that we as a group can tolerate. Intolerance. That undercurrent of hypersensitive hyperbole (ironic, isn't it?) spewed the moment you express an opinion that is different from the rest of us. It's not that you aren't allowed to … [Read more...]
15 People Ruining Social Media
I like social media. I really do. I use it everyday. I even have a Google+ t-shirt. But I'm tired of reading blog post after blog post about how to "win the game" of social media from your friendly neighborhood guru. It's not a game. And there is no way to win at it. But lucky for us, there are plenty of ways to lose. Here are a few of the biggest offenders: The Quoter Hey Socrates, we all … [Read more...]
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Video:Treating Chicken Pox Symptomswith Dr. Deborah Jaliman
Chicken Pox can become debilitating if it isn't treated with the proper care. Here are some of the best ways of easing the symptoms of chicken pox, from cold compress to steroids, from a pediatrician.See Transcript
Transcript:Treating Chicken Pox Symptoms
Hi, this is Dr. Deborah Jaliman, a board certified dermatologist in New York City, for About.com talking about how to treat the symptoms of chicken pox.
What Chicken Pox Look and Feel Like
When you get chicken pox, you have blisters and crusts all over the body from the trunk to the extremities to the face. Quickly, the blisters turn into crusts, especially since they're very itchy, and people often scratch them. This causes the blisters to break and turn into this crusted area. It's very important not to itch these areas because you can very easily make scars.
Chicken Pox Treatments
So, one of the things we do as dermatologists is to use antihistamines to prevent the itching. We also use cool compresses made of half skim milk with half water. We also use topical steroids for the area. But if somebody has a very bad case of chicken pox, you may use antivirals that are given by mouth, or if it's a very severe condition, you may need hospitalization.
If you have any other questions about treating chicken pox, please go to About.com.


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Defending your land against fire
Excerpted from the Capital Press, May 11, 2007
Don't think it can't happen. That's the advice of Pat Houghton, intelligence officer for the Northwest Interagency Coordination Center, which helps state and federal agencies manage and monitor wildfires in Oregon and Washington.
"Basically, prepare your [home] and outbuilding area for the possibility of a fire. Getting into that mindset is the most valuable thing you can do," Houghton said. He warns that people in rural areas can't always count on timely assistance, and says, "The more proactive you are, the better."
Landscape for fire
Keep plants containing resins, oils, and waxes (such as western redcedar or pine) at least thirty feet from your home or other structures. Replace them with vegetation that has a high moisture content such as maples, dogwoods, spirea, daylilies and wild strawberry. Pruning trees and shrubs and removing debris also helps. "You don't want a bunch of needle litter next to your house," Houghton said.
OSU has a complete list of fire resistant plants at extension. oregonstate.edu/catalog/html/pnw/pnw590. Buy a hard copy for $6 by calling 800-561-6719, or email puborders [at] oregonstate [dot] edu. To best protect your home and property, Houghton offers this advice:
Be vigilant
Machinery can spark fires or heat up to the point where fine fuels burst into flame upon contact. "On hot, dry days, if you're out operating equipment, before you head in for the night, be sure to take a pass around where you've just been working."
Have equipment ready
If fire threatens, earth-moving equipment can be used to remove debris and create a fuel break around your home. If you don't own this equipment, coordinate a plan with a neighbor who does. However, Houghton notes that you should not put your life in danger while trying to save your property. "Anybody who does [this] should know there's a lot of risk involved and shouldn't take any silly chances."
Talk to the experts
When you develop a plan to deal with wildfire, share it with local firefighters. They may have tips on how to improve it. "Be in touch with local fire officials," Houghton said. Being proactive can literally make the difference between saving your investment and seeing it burn up. If firefighters have the key to your gate, for example, or know where to find it, it can change the outcome of a disastrous situation. In reference to Nevada wildfires in the 1990s, Houghton said, "Engines couldn't respond because gates were locked."
Local contacts
Local fire fighting districts: Scappoose Rural Fire District (503 543- 5026) and Tualatin Valley Fire and Rescue (503 649 8577). Always dial 911 to report a fire.
Visit firewise.org and nfpa.org for more tips on creating a plan for household members in the event of a fire, as well as more ideas for safeguarding your property.


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Since 1985, the First Care Health Services, Inc. family of companies has built a solid reputation for providing quality home health care to Southside and Central Virginia.
During the growing home health care environment of the 1980's, Commonwealth Home Health, Inc. was organized with a dedication to quality, compassion, and innovation. Located in South Boston, Virginia, Commonwealth Home Health has provided the area with home health services since July 1985.
Founded with the same principles, First Dominion Home Health Care was organized in April 1988 in Lynchburg, Virginia. This company provides an array of home health services to the surrounding area.
In January 1992, Personal HomeCare, Inc. was organized to provide personal care and private duty services to the Lynchburg community. In July 1992, Personal HomeCare opened a second office in Halifax, Virginia.
During 1992, First Care Health Services, Inc. was established to provide administrative and support services, such as payroll and accounting, to the above agencies. Hence, all of the agencies "came under one umbrella."
In June 2002, Personal HomeCare, Inc. opened a third location in South Hill, Virginia.
Commonwealth Home Health, Inc. and First Dominion Home Health, Inc. both provide skilled care services, and Personal Homecare, Inc. provides personal care and private duty services, and emergency response systems.
Serving a broad area in Southside and Central Virginia, we strive to continue to expand upon the principles of the first agency.
The HomeCare Elite™ is the definitive compilation of the most successful Medicare-certified home health care providers in the U.S. This review recognizes the Top 25 percent of agencies based on an analysis of quality outcomes, quality improvement, and financial performance. In addition, the HomeCare Elite Top 100 and Top 500 agencies receive special recognition.
The National Association for Home Care & Hospice is the nation's largest trade association representing the interests and concerns of home care agencies, hospices, and home care aide organizations. View our listing.
© First Care Health Services, Inc.
website developed by Glerin Business Resources, Inc - custom website design & development since 1996


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Introducing the ABB102J Loaded Subwoofer Ported Enclosure with Dual 10" Subwoofers. The subwoofers used in this enclosure feature a high-gloss cone made from high-strength carbon composite with laminated pulp reinforcement. This cone is much sturdier than paper cones, allowing for more aggressive operation.
General Features:
The KDC-HD548U from Kenwood has a built-in HD Radio Tuner so you'll be automatically treated to high quality radio streams from your receiver. You'll find a front panel AUX and USB inputs that will be very handy specially if you're wanting to connect your iPod and other sound sources. You'll be impressed with this Kenwood's built-in MOSFET amp's clean power, so turn your tunes up as much as you want. You can use the 3-band equalizer to tweak the highs, mids, and lows, while the preset EQ curves let you shift quickly to a tone setting that matches your music.
General Features:
Introducing the KDC-348U from Kenwood that offers a strong performance and useful features at the right price. You'll be able to enjoy all the music from your iPod once you have it connected to the receiver. You'll be able to search for a song alphabetically, or by jumping through your playlists in 10% increments. Expansion capabilities include a Front AUX Input (3.5mm Mini-Jack), Front USB Port, as well as being Satellite, HD Radio, and Bluetooth Capable.
You won't go wrong with the AVIC-X930BT from Pioneer featuring a 6.1" Touhscreen Monitor that shows crisp and clear video playback of MP3, WMA, ACC, DivX, JPEC, MPEG 1 on DVD, CD, SD Memory Card and USB. 16:9 Aspect Ratio with 800 x 480 WQVGA Screen Resolution, and Anti-Glare Coated LCD Screen. X930BT features advanced touch slide operation, advanced sound retriever, sonic center control, and wireless remote control. Navigation features4 GB Flash Memory for Map Data and Applications, Intelligent Re-Route, 12 Million Points of Interest, and Fuel Cost Report.
Detachable Control Pannel for Added Security
Rear-View Camera Input
Dual Zone Audio/Video
Spectrum Analyzer
5 Display Colors/112 Color Key Illumination
Multi-Language Display (English, Spanish, French)
Detachable Face Security™
Display Off Mode
Remote Control
Volume Control Rotary
Wired Remote Input
Advanced Touch Slide Operation
Built-In MOSFET Amplifier
EEQ (Easy EQ) Preset Equalizer
8-Band Graphic Equalizer
3-Mode Loudness Settings
Advanced Sound Retriever
Auto EQ (CD-MC20 required)
Sonic Center Control
3 Pairs of (4V) RCA Preouts
Wireless Remote Control
Introducing the S-2000.1D from Precision Power. The Power class amplifiers clearly represents what audiophile
quality car audio should be. Unparalleled sound quality stems from
multiple factors; top quality torroidial transformers, all N-channel
transistors, extremely low tolerance resistors and capacitors, and so
forth. The preamp section is extremely detailed with 4 different types
of crossovers: high pass, low pass, band pass, and subsonic. And just
to be sure that the amplifier's output is not ruined by cheap or noisy
input signals, we included balanced line inputs to be used with our BLT
transmitters for the ultimate listening experience!
General Features:
Class D
PWM MOSFET Power Supply
Turn On/Off Delay
High Level Inputs
Brushed Aluminum Finish
Tri Mode Capable
Variable Low Pass Filter (40-220Hz)
Frequency Response: 10-220 Hz
Subsonic Filter (10-50 Hz)
Signal-to-Noise ratio: 85dB
Damping Factor: >200
Variable Bass Boost (0,6,12 @ 55Hz)
Remote Bass Control Included
Dimensions: 19"L x 9-1/2"W x 2-3/8"H
Introducing the C508GTI MKII from JL Audio. These car speakers feature 5-1/4" deep-anodized aluminum woofer cones
with rubber surrounds and 1" edge-driven pure titanium dome tweeters for
amazing sound. Also features crossover with a 3500Hz fouth-order Linkwitz-Riley acoustic alignment. Air-core inductor design reduces magnetic saturation under high-power conditions and crossover features impedance compensation and tweeter protection circuitr.
Anodized Aluminum Cone
Nitrile Butadiene Rubber Surround
Titanium Dome Tweeters
Crossover with a 3500 Hz fourth-order Linkwitz-Riley acoustic alignment
Air-core inductor design reduces magnetic saturation under high-power conditions
Crossover features impedance compensation and tweeter protection circuitry
Crossover frequency: 3,500Hz @ 24 dB/octave
4 ohms impedance
2" Aluminum edge-wound voice coil
Top-mount depth: 2-3/8"
Designed specifically for competition, Audiobahn introduces the IMMORTAL
SERIES Subwoofer. Featuring Quad 2 Ohm Voice Coils can handle up to 2250
watts of continuous power. Feature elements like the 200 oz. triple
stacked Strontium magnets, proprietary tall excursion foam surrounds,
and 25mm top plates, all ensuring maximum cone excursion and subwoofer
efficiency. The Audiobahn IMMORTAL SERIES subwoofers packages these
advanced qualities into an ultradurable, cosmetically-appealing, chromed
3-dimensional die cast aluminum basket.
Proprietary Tall Excursion foam surround: allows for maximum excursion 14/15 and maximum cone surface area
Ultra light 2-layer Carbon Fiber, Kevlar Cone with aluminum dust cap
Triple Stack Magnet
Chrome plated 3-dimensional cast Aluminum Basket
25mm Top Plate for Increased Efficiency
2 Ohm voice coil wound on black anodized aluminum former
AWIS12J Specifications:
Size: 12"
Magnet Weight: 200oz.
Frequency Response: 23Hz - 700Hz
Efficiency: 95dB
Voice Coil: 3" Quad 2 Ohm
Operation: 0.5, 2 or 8 Ohm
Mounting: 8-5/8"
Hole Cut-Out: 10-7/8"
Outer Diameter: 12-1/4"
AWIS15J Specifications:
Size: 15"
Magnet Weight: 200oz.
Frequency Response: 20Hz - 700Hz
Efficiency: 97dB
Voice Coil: 3" Quad 2 Ohm
Operation: 0.5, 2 or 8 Ohm
Mounting: 9-5/8"
Hole Cut-Out: 13-3/4"
Outer Diameter: 15-1/4"
Play and charge your iPod or iPhone through this sweet-sounding Alpine
CD receiver. Just connect your player to the CDE-121's front-panel USB
input, and you can use the rotary controller to search for tunes. And
it's no problem if you have a lot of music, Alpine's Percentage Search
lets you jump through your list quickly using the radio preset buttons.
The CDE-121 will play your CDs, plus discs you've loaded with MP3, WMA,
and AAC files. You can also load your files on a USB thumb drive and pop
it in the front USB input. The front auxiliary input comes in handy for
connecting a Dock & Play satellite radio or another portable
General Features:
In-dash car radio
CD, CD-R, CDR-W Playback
MP3, WMA, AAC compatible
Display: White LCD (14 Segment)
Control Type: Rotary Encoder Knob
Face Color: Black
Illumination Buttons: Blue Illuminated Buttons
Auxiliary Input: Auxiliary Input (Front Panel) Auxiliary Input
Bass & Treble: Bass & Treble Controls
Fader & Balance: Fader & Balance Controls
Clock: Clock Built-In Clock
DIN Trim Plate: DIN Trim Plate Detachable Trim Plate
Detachable Face Plate: Detachable Face Plate
Power Antenna Lead: Power Antenna Lead Output
Remote Turn-On: Remote Turn-On Output
Remote Control: Remote Control Ready
PreOut: 1 PreOuts (2 V)


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How do I access my online classes?
In order to log-in to your online course, go to northeast.rsmart.com. Your online class will be available 1 week prior to the term start date. If you don't see course listed under the Quicklinks menu after logging into My Classes Online, select "My Sites" and look under the semester you are registered. If the course doesn't appear here, contact the help desk at
or contact the Registrar's Office.
Posted 4/17/2013 9:32:51 AM


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A two-tone stickbag with dual rows of internal pockets.
This Deluxe Stick Bag from Ahead has a durable denier exterior and a plush velvet interior. The interior also has two rows of pockets - one with a clear pocket to view spare parts and/or keys. The exterior also features a shoulder strap and clips to ensure you can mount the bag on your drums as needed.


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Diff tool for comparing text file version in Time Machine???
Is there a diff tool / application for comparing text file version in Time Machine???
Would love to be able to:
a) walk through files in directories in the tool
b) click a certain file & request diff
c) then get a 2 pane view with a diff between the 2 files
d) ability to change the version of the files in the panes (i.e. going back in time in time machine)
Umm if you have produced a document in Pages, Text Edit and the sorts, you can open them then in the File Menu, use the Revert To>Browse All Versions. Can that be any help too you ??
And to make you happy, it brings up *All Versions* in a Time Machine Type layout, with the Original on the Left and All Versions on the right, going back to the place you first saved the Document.
Apart from that i know of no App that does this. I have File Viewer from the MAS that can open any file and if its not supported it will suggest supported Apps, but you cnat have many files Tabbed, and side by side doesnt work unless you have a 27" iMac.
On that, what Mac do you have and What OS are you running. This info will help a lot.
thanks - hadn't come across the Revert To>Browse All Versions so this helps
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text: Creatas Best Summer Camp On The Southcoast For 2014 By Phil Paleologos May 29, 2014 We've come a long way since Allan Sherman's "Hello mudda, hello fadda, here I am at Camp Granada!" But the one thing that has remained constant is kids love fun activities that summer camp provides, and parents can go about doing their business knowing the kids are safe and happy. Read More|Comment Category: Entertainment Tags: family, kids, phil paleologos, summer camp Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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Sunday, October 6, 2013 - Sunday, October 6, 2013
2:00 pm
Rockville Little Theatre will be performing a production of "The Nerd" by Larry Shue at F. Scott Fitzgerald Theatre. This side-splitting comedy centers on Willum, who has it all - a promising career as an architect, devoted friends, and a serious girlfriend. He has often told his friends about Rick, a fellow ex-GI whom he has never met but who saved his life in Vietnam. Rick shows up unexpectedly and Willum discovers that Rick is the ultimate social misfit. Before long Rick outstays his welcome with a vengeance and turns Willum's life upside down. Performances are Sept. 27, 28, Oct. 4 and 5 at 8 p.m.; Sept. 29 and Oct. 6 at 2 p.m. Tickets are $16 for students and seniors 62 and up; $18 for adults. Tickets are available through the theater box office or by phone at 240-314-8690, 2 - 7 p.m., Tuesday through Saturday. http://www.rlt-online.org.
Event Contact Info:


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Matt Fanning
|Previous College:
|Holy Cross, 2007
|Running Backs Coach
Matt Fanning is in his first year on Tom Gilmore's coaching staff in 2008, serving as the running backs coach. A 2007 Holy Cross graduate, Fanning earned two letters as a wide receiver for the Crusaders. During his senior season in 2006, Fanning ranked fourth on the team in receiving with 35 catches for 475 yards and four touchdowns. He was also the team's top punt returner, averaging 10.4 yards on 20 returns. Following the 2006 season, Fanning received both the Msgr. George S. L. Connor Award and the Daniel Allen Sportsmanship Award. He was also selected to the Patriot League Academic Honor Roll as a junior in 2005. Fanning is single and resides in Marlborough. Fanning's Collegiate Coaching File
Years School Position 2008 Holy Cross Running Backs Coach


text:
Turkey lost 2-3 away against Bosnia-Herzegovina. Brazil managed a 1-1 draw against England after a late goal, this weekend. Brazil are using these friendly's to prepare for the Copa America.
Jun 23, 03 Brazil 2 - 2 Turkey
Jun 26, 02 Brazil 1 - 0 Turkey
Jun 3, 02 Brazil 2 - 1 Turkey
I believe that there is a good chance that this match can end in a draw like the Brazil vs England match did. And you can get pretty good odds on it as well.
Draw and Over 2.5 goals.]]>


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Baking and cake decorating schools
Recipes / Baking and cake decorating schools (1000+)
How To Bake A Cake (With The Help Of A Toddler)
1517 views
How To Bake A Cake (With The Help Of A Toddler), ingredients: HOW TO BAKE A CAKE (WITH THE
Sour Cream Chocolate Cake with Peanut Butter Frosting and a Chocolate Peanut Butter Glaze
190 views
and half Decorations: 2 sizes chocolate peanut butter candies Instructions: For The Cake
Tasty Cake Experiment
60 views
as an opportunity to hone my baking and cake decorating skills. This is one good example
Sticky Toffee Pudding - a guest post by Vineetha
30 views
the same passion when it comes to baking and cake decoration and that's what brought us so
Bake And Decorate: Family Chocolate Cake
439 views
Second, Bake and Decorate is about half cakes. Cakes of varying flavors and textures–this
27 views
using coconut milk and mashed potato. Am BAKED POTATO CAKE) Yield : One 7 in round cake
Baked Egg Cake and a Cash Out Check from Nuffnang
20 views
tea. My cake cracked a bit in the centre and had wrinkled as I might have over baked it
Chocolate Raspberry Coconut Almond Tart (Gluten/Grain/Dairy/Egg/Soy/Refined Sugar Free)
3 views
to runs. She shares her passion for baking and cake decorating over on her blog, Blahnik
Valentine Recipes for Two #SundaySupper...Featuring Baked Crab Cakes with Lemongrass-Ginger Mayo
166 views
your hand and pat into a cake shape. Place the crab cakes onto the baking sheet. Sprinkle
My first ever "decorated" cake – completing Wilton's basic cake decorating course 1
4274 views
and cake decorating
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Cake Decorating Tips & Tricks
12 members
Cake Decorating Tips & Tricks, Do s & don't s of the various decorating media out there
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1 member
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3 members
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cake decorating, a place to get together share tips, hints, shortcuts, links, recipes, and
Melinda Winner's Six Layer Key Lime cake
cake, Six-Layer Key Lime Cake with Cream Cheese Icing and
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baker can come and seek help with their baking dilemas., When you are baking anything, the
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Trusted Results with Baking and cake decorating schools
Decorating Cakes: The Basics - Allrecipes
See our Decorating Cakes: Advanced article for instructions on covering a cake with ganache or fondant. ... Cardboard cake circles (available at baking supply stores and craft ...
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Read All Hail the King Cake - The story behind this Mardi Gras favorite, plus a recipe to make it at home and other Holidays & Celebrations articles about Mardi Gras ...
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I have also taken several Wilton cake decorating classes and a Panoramic egg class. That ... I took a class several years ago and have added this to my baking resume. ...
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Check out the Latest News about Food, Wine, Cooking and Culinary Arts from the Editors at Epicurious.com in their Daily Blog.
Ocean Cake recipe from GroupRecipes.com. This cake is so cute! I got it from a really creative website and I made i
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I would imagine there's a fairly large demand for cake baking/decorating... and Father's day combined and I was the only baker doing the cake decorating. ...
Trishie's (not so) daily Dishie!! - My Allrecipes - Page 1
I love cooking and baking and am often asked to bake my speciality Banoffee ... and the children love decorating it with me. I also make one for my kids schools and ...


text:
8 hints to help sell your home fast
By Jenny
McCune Bankrate.com
a hurry to sell your house? Here are some ways to set a winning pace in the
home-sale race.
1. Hire a top-notch sales agent.
"You need a good agent, an agent who knows your neighborhood" says
Julie Greenwood, co-owner of Greenwood King Properties, a Houston real estate
2. Price it right.
The No. 1 thing that will sell a house quickly is price. "That's the name
of the game," says Tom Innes, president of Re/Max Commonwealth in Richmond,
Va. "If you price it right, it will sell. If you price it wrong, it won't
OK, so just how do you play the home-sale-version of "The
Price is Right"? That crackerjack agent you hired should have a good sense
of what price will help sell your home sooner rather than later. As the owner,
you are probably not objective, so give your agent free rein, within reason,
to set the price. The broker will look at the average days a home in your neighborhood
is on the market, how your home compares to others in the area and its condition.
3. Create an adjustable sales plan.
Come up with a sales strategy, but make sure it's flexible. What's your initial
asking price? How long will you insist on it before making a reduction? How
much of a cut will you accept? What about after that? Having a plan in place
will help you react quickly, according to Greenwood, and will move your home
that much more quickly.
4. Clear out the clutter.
"Get the clutter out of it," says Stephen Roulac, author of the forthcoming
"360 Housing Mistakes and How to Avoid Them." It will make your home
more inviting to buyers. "After you thought you got out the clutter, take
out more. Get it spare, open and fresh."
- advertisement -
5. Offer incentives.
Incentives can help shorten the sales cycle, but be careful. Agents are divided
on how much they help.
"I think it can be a fine line between wanting to sell a
house quickly and having it look like it's a fire sale," Greenwood says.
If prospective buyers get the idea that you're desperate to sell, they will
try to get you to accept a bargain-basement price.
Roulac, however, believes that adding premiums can help speed
a house sale. A popular incentive offered purchasers is closing-cost help. You
also can encourage your sales agent: Offer a higher commission for a speedy
sale or give your broker show tickets, a meal at a fine restaurant or some other
perk if the property moves quickly.
6. They buy houses, don't they?
What about those "cash for homes" ads you see on matchbook covers,
billboards and late-night TV? Agents say houses sold this way are heavily discounted.
You will sell your property quickly, but it will go cheap, probably at a price
that really won't make you happy. "If it's too good of an offer to be true,
it is too good of an offer," says Re/Max's Innes.
7. Ask for company help.
If you're relocating because of a job change or company transfer, you may be
eligible for home-sale help from your employer or a relocation company representing
your employer. "Generally speaking, these buyouts are fair," says
Todd Thornton, a real estate instructor, consultant and author of "Home
Buying Without the BS."
"An appraiser would appraise the property and the buyout
would be for the suggested fair market value less a sales fee," he explains.
"The company would then put the home on the market with a local real estate
While that's a great deal for the home sellers, Thornton notes
that many companies are scaling back on their relocation packages, so it may
not be an option.
8. Rent it.
If time runs out and you've got to get out of Dodge without selling your home,
consider renting it. Just be sure to strike a deal with the renters so your
home will be available for showing. For example, if a home such as yours normally
rents for $1,000 a month, offer a discount (say $750) in exchange for the renters
making the house accessible for showings to potential buyers.
The downside of renting a house that you're trying to sell is
that its condition probably won't be as pristine as you or buyers would like.
One way around this problem, says Innes, is to rent with an option to buy. "Let
people move in six months and pay rent and then close," he says.
Jenny C. McCune is a contributing editor
based in Montana.
-- Posted: July 1, 2003


text:
Wednesday at 3 on A Juneau Afternoon, Joan Pardis hosts.
We'll hear about the Early Learning Fair at Harborview Elementary School with Joy Lion;
Ida Barnack of St. Vincent de Paul will be here to tell us about the Walk for the Friends of the Poor on Saturday,
We'll learn about a workshop for starting and operating a specialty food business in Alaska from Sarah Lewis of the UAF Cooperative Extension;
And we'll speak with John Elliot about his Thursday night KRNN Spotlight Series concert at the Goldtown Nickelodeon theater.
That, Writer's Almanac, Bird Note, music and more, Wednesday at 3 on KTOO-NEWS.


text:
Hotels/lodging near Downtown Midway are provided in the list below in the order of their distance. Use our search tools to find cheap hotel rates near Downtown Midway (in Midway UT) for your personal or business travels.
We sell the best lodging close to Downtown Midway so you can review the discounted Midway UT hotels & motels below and discover the perfect hotel. Booking 5+ Rooms for a group? Book a Midway UT group hotel rate
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