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Religious Studies: What to Expect
Religious Studies majors at the University of South Carolina will receive a high degree of individual attention, be exposed to challenging coursework, and work with outstanding faculty who present a wide range of methods and perspectives. As a Religious Studies major, you will take courses that emphasize writing and critical thinking through essay exams and research papers. You will develop key skills including analytical thinking, well constructed writing, and literacy in global perspectives. You may also have the opportunity to be a part of experiences beyond the classroom, including service learning opportunities or courses that involve travel. As a Religious Studies major, you will be able to pursue some individual research such as the Magellan scholarship or internship opportunities. Studies majors can also choose to pursue an intensive track, which includes a senior thesis.
The following courses fulfill some of the course requirements for a Bachelor of Arts with a major in Religious Studies:
- Introduction to Religious Studies
- Old Testament
- New Testament
- Introduction to Islam
- African-American Religious Experience
- Faith, Doubt, and God
- Literature and Film of the Holocaust
- Religious of South Asia
- Origins of Western Morality
- Jewish Messiansim
Religious Studies majors who choose to pursue the intensive track, taking two additional courses including a senior thesis, may be eligible for a degree with honors. A detailed list of degree requirements can be found in the Undergraduate Bulletin.
Enhancing your Experience
Study Abroad allows you to earn academic credits toward your USC degree while seeing the world! Overseas study can complement any academic program or major. Religious Studies majors have traveled to Turkey, Greece, and Israel to enhance their educational experience while at the University. While abroad, you will learn about world religions in a cultural context and develop self-reliance and global perspective. You may also choose to intern, volunteer, or conduct research abroad. You are encouraged to visit the Study Abroad Web site for more information on opportunities to broaden and extend your knowledge and perspectives. The Religious Studies newsletter (http://www.cas.sc.edu/relg/news/newslett.html ) tells stories of Religious Studies majors who spent a summer abroad.
Student Organizations can be instrumental in helping you adjust to life on campus and network within your field. The University of South Carolina has a family of nearly 300 student organizations. You can get involved in more than 30 religious student organizations. We encourage majors to become involved in the American Academy of Religion or Society for Biblical Studies on the regional or national level which have student organizations. Getting involved in an organization that interests you can help you network, meet new friends, and develop leadership skills. You can also seek out volunteer opportunities that relate to your major. Find a student organization on campus that interests you!
Graduate School is one of many possibilities following graduation. Religious Studies majors typically pursue graduate programs in Religious Studies, Counseling, and Social Work; or may pursue advanced degrees in Anthropology, Literature, History, or Philosophy. Many Some graduates also go on to receive their Master of Divinity and Doctor of Divinity in Theology or Pastoral Ministry but there is great need for those who understand the complex meanings of religion in global contexts across many fields.
Distinguished Faculty of the Department can help enhance your overall academic experience while at the University. Dr. James Cutsinger is Professor of Theology and Religious Thought. He has received numerous teaching awards including the University's Michael J. Mungo Undergraduate Teaching Award. Dr. Stephanie Mitchem is an internationally recognized scholar in the areas of women's theology, healing and religion, and African and African Diaspora religions. Dr. Kevin Lewis is another outstanding faculty member and has published numerous works including "American Lonesomeness." Dr. Lewis and his wife served as the start-up Principals for the University's first residential college, Preston, from 1995-1998. Religious Studies majors will also be able to learn from two exciting new faculty who have joined the department: Dr. Katja Vehlow, teaching in the area of Jewish Studies and Dr. Erin Roberts, in Early Christian Thought. Both of these professors bring innovative and contemporary scholarship with strong interdisciplinary ties.
Departmental Scholarships may be awarded to outstanding students. The Department of Religious Studies offers a couple of scholarships each year. Religious Studies majors can compete for the Michael J. Mungo Pre-Seminary Scholarship for students planning to enter seminary, and the Rutledge Scholar Award given for a paper selected by faculty as the most outstanding.
Internship and Research Opportunities
Internships can be an important asset to your overall educational experience. Internship experiences often help you confirm your career interests, give you hands-on experience in a professional setting, help build your resume, reinforce what you've learned in class and can often lead to full-time employment. Likewise, pursuing professional research opportunities as an undergraduate student can also help enrich your academic experience while at the University. As an undergraduate student, you can work closely with faculty research mentors and explore a discipline that interests you. Both internship and research opportunities help you build a competitive edge in the job market.
As a USC student you will have numerous resources at your disposal to assist you with locating internship and research opportunities. The USC Career Center is the central location at USC for assisting students with internship preparation and finding an internship. In addition, be sure to visit your academic department as many programs offer supplemental internship guidance specific to your major. The Office of Undergraduate Research assists all USC undergraduates by providing research and scholarly experiences in their chosen fields.
Student Spotlight
Religious Studies and History major Erik Grayson had the opportunity to conduct research through a Magellan Scholars Award. During his summer research experience, Erik visited a Greek Orthodox, Roman Catholic, and modern ecumenical monastery to conduct a comparative study of monastic seclusion. "I am exploring how monastic faith communities maintain traditional boundaries and doctrine in an increasingly mobile and technologically invasive society," he said. As a double major, Erik was able to combine his religious and history studies through his senior seminar, a course exploring the University of South Carolina's early history in slavery. His research focused on former South Carolina College's, as the University of South Carolina was originally named, president and theologian, James Henly Thornwell. President Thornwell is well-known today for his biblical defense on slavery. "It is important for students to be aware of our state and university's history to better inform our future decisions," Erik said. "I have thoroughly enjoyed my studies of religion and history. Both of these focuses of study will prepare me for graduate studies in seminary, but also have real bearings on my present extracurricular activities." Erik is very involved on campus, serving as a student leader in campus ministry and local church activities. Through his research experience, Erik believes he has "been able to contribute new insights to Bible studies, leadership, worship, and service and mission projects." Erik plans to attend divinity school to pursue a call to the ordained ministry following his graduation at the University of South Carolina. "My studies at the University of South Carolina have helped shape me as a future professional and have positively influenced my activities as a student."
Career Opportunities
Religious Studies majors might pursue careers in education or ministry, but the study of religion brings more opportunities than just those paths. Students may use their degrees to shape a career in law, anthropology, or international studies. Graduates in Religious Studies find their education providing unique insights and global understanding which makes them valued employees in many businesses and organizations. Recent graduates of USC Religious Studies have gone on to work for international relief organizations, schools, and law enforcement.
You can find more information about career options in the US Department of Labors Occupational Outlook Handbook.
The USC Career Center offers numerous resources which provide more information about career opportunities for students in this major. Once admitted, a Career Development Coach
Alumni Spotlight
Cannon Fulmer graduated suma cum laude from USC in 2008 with a double major in History and Religious Studies. He then entered the MA graduate program in Religious Studies and is receiving his Masters degree in August of 2011. Cannon said that in considering what direction to take when he got his BA degree, he felt that an MA in Religious Studies would be more applicable in the job market. He was interested in studying Christian theology in more depth and also saw the study of Islam in particular as having real practical value in whatever type of work he might pursue. Working toward these goals, Cannon took courses in Islamic studies and worked as the teaching assistant for the professor of Islamic studies during his graduate program. In 2010, while completing his MA degree, Cannon applied to the Columbia police department and entered the police academy. He had an interest in working for a government agency in some capacity and heard that the police department was hiring. After successfully completing his training at the academy, he was hired with the police force. He says that he has found his studies in religious studies have given him a wider perspective in his work, the ability to think about things from different points of view. He finds he appreciates the wide diversity in other people's outlooks. And the skills of critical thinking and the ability to accomplish difficult goals, which he has developed in Religious Studies, will serve him well in whatever career path he pursues. Cannon enjoys his work with the police department and can see himself working in law enforcement or other government work into the future. He also thinks about possibly going on to further graduate studies at some time. He feels that he is capable of entering any number of fields of employment but that his religious studies background gives him a unique value in whatever type of employment he enters. He sees his knowledge of diverse religious traditions as an advantage in any work environment in which he may find himself.
About the Department of Religious Studies
The Department of Religious Studies at the University of South Carolina offers interdisciplinary approaches to the academic study of religious beliefs and practices, through a variety of theories and methods. The focus of study incorporates connections with literature, history, philosophy and anthropology. Many different religious traditions are studied with attention to religious beliefs and practices in their historical, cultural, and philosophical contexts. Various ways of studying the phenomenon of religion – psychological, linguistic, and anthropological – are also addressed. Religious Studies majors can specialize in theology and religious thought or religion and contemporary culture; they can explore ancient religious traditions or the major world religions. The Department of Religious Studies is in the College of Arts and Sciences.
Points of Pride
- Dr. Vehlow (in 2010) and Dr. Lewis (in 2011) were both awarded Arts and Humanities Grants from the USC Provost Office.
- Dr. Cutsinger was the 2011 recipient of the Michael J. Mungo Teaching Award.
- Dr. Mitchem was invited to present research at the 2011 Gender, Religion, and Human Rights Conference in Linkoping, Sweden.
Religious Studies Website
College of Arts and Sciences Website
University Career Center
Undergraduate Bulletin


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Rachael Elizabeth Deck, of Danville, has accepted membership in The National Society of Collegiate Scholars (NSCS).
"NSCS is more than just a symbol of academic achievement. Membership gives students access to a number of amazing benefits, including career and networking resources, scholarships, travel and service projects both on campus and in the community," said Stephen E. Loflin, NSCS Founder & Chief Executive Officer.
NSCS is a member of the Association of College Honor Societies and is the nation's only interdisciplinary honors organization for first-year and second-year college students. Loflin said.
Membership is by invitation only, based on grade point average and class standing, Loflin added.
NSCS has nearly one million lifetime members and 300 chapters in all 50 states, the District of Columbia and Puerto Rico.
For more information about The National Honor Society of Collegiate Scholars, please call 1-202-265-9000, or visit the NSCS's Web site at www.nscs.org. You can also contact Rachael Elizabeth Deck at email@example.com

subset: commoncrawl


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Cell companies add new feature
Ring-back tones a hit with youth
Instead, they are greeted by Alicia Keys' "Karma," one of Verizon Wireless' popular "ring-back" tones for cell phones. Last month, Verizon became the first major U.S. cell phone carrier to offer the ring-back tones, a billion-dollar industry abroad, particularly in Japan and South Korea.
Denson, 35, said he chooses songs that reflect positively on him and his business. He's thinking of changing the Alicia Keys song in another week.
"I love it," he said. "Everybody asks me about it. They ask where I got it, how I got it on my phone, what the song selection's like. It's phenomenal."
Music and wireless integration has become a key emerging market for wireless companies, aiming aggressively at its most techsavvy, demanding and profitable market: youth.
According to the Yankee Group, a technology research firm, the target audience for ringback tones and other services dubbed "mobile data content" - including text messaging, cell photos, Web browsing, ring tones and cell phone gaming - are teenagers. Teens "make significantly greater use of mobile data services than other users," according to the group.
"Although key to a cell phone is still the voice feature, additional features are what attract people more and more, especially young people," said Jimmy Divall, regional spokesman for Verizon Wireless. "The younger demographic is a crucial market, since they are early adapters. "They want new technology, they want it sooner rather than later, and they're going to use it.
"These kids are wanting to pimp their phone out. They can own ring tones, ring-back tones, photos and everything through a phone. It's part of who they are."
Although Verizon was the first major U.S. carrier to offer ringback tones, ring tones have become commonplace ways for cell phone users to personalize their phones, as popular songs play every time their phone rings externally. The phenomenon has become so popular that Billboard has begun to rank ring-tone downloads in addition to song and album purchases.
Music companies are quickly signing agreements with wireless carriers - Verizon's ring-back tones are supplied by Universal Music Group, and Cingular's ring tones come from Sony BMG - as both companies have found a new revenue stream.
Frank Merriman, regional spokesman for Cingular Wireless, said Cingular has considered offering ring-back tones, but would not offer further details. Merriman said the youth market is a priority for Cingular as well, evidenced by a specially designed Web site marketed specifically to teenagers: RUCingular.com.
A Sprint PCS representative did not return calls.
Contact Brad Olson at 886-3764 or firstname.lastname@example.com


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Every Monday during the season, Daniel Martin of CSNBaltimore.com and Greg Crawford of CSNNW.com will come together to give you the NCAA Hoops East/West Power Rankings, a ranked list of the nine best teams from the West and the nine best teams from the East and Midwest in college basketball. Below is this week's edition.
9. Cincinnati - The top of the AAC will present a challenge for the Bearcats, but the bottom really struggles. A few games peppered in against UCF and USF help when Memphis, Louisville, and UConn come up on the schedule.
8. Wisconsin - After getting off to a red-hot 16-0 start, the Badgers had lost three games in a row. Offense was been the problem in those losses, but they got back to Wisconsin basics by holding Purdue to just 58 points in a win over the weekend.
7. Villanova - The loss to Creighton looks really, really bad. But when a team hits 21 shots from three, that's not only demoralizing, but hard to beat, too. They came back with a strong overtime win against Marquette, which should help to right the ship.
6. Creighton - The Bluejays caught a tough break by losing Grant Gibbs for a time, but that didn't seem to matter when they hit 21-of-35 shots from three in a win over Villanova. Add a win over Georgetown this weekend and this team looks solid. Oh, and that Doug McDermott guy.
5. Florida - While the Gators wait on word from the NCAA on Chris Walker, they keep rolling. Granted, their early SEC schedule has been weak. Billy Donovan's team beat Tennessee this weekend.
4. Michigan State - This is where the road gets tougher for the Spartans and the loss Saturday to Michigan proves it. On the horizon is Iowa and then Georgetown. You can't drop them too far after this weekend's loss, though.
3. Kansas - It took some time, but everything is finally coming together for coach Bill Self and Kansas. Joel Embiid is an emerging star and don't forget that Andrew Wiggins is hitting his stride and starting to put up some gaudy numbers (i.e. 19 rebounds vs. Iowa State). The freshman went for another 27 points, five rebounds, and five assists in a win over TCU.
2. Wichita State - Hopefully Tekele Cotton's monster slam against Illinois State was enough to wake the nation and help them take notice of Wichita State. This is a veteran basketball team that has all the pieces to make a legitimate run in the tournament. Seventeen-point win over Drake this weekend? Yawn.
1. Syracuse - No losses, no need to move the Orange. Tyler Ennis & Co. passed their first test in a while over the weekend, grinding one out against a tough Pittsburgh team. If they can avoid another trip-up against Wake Forest, they'll welcome Duke to the Carrier Dome with a still-unblemished record.
[RELATED: Cameras take you inside Maryland's practice]
9. Utah Valley State - Playing in the WAC Conference does not get you much attention, but the Wolverines are playing great right now, have won six straight WAC games and 10 of their last 12 overall.
8. California - The Bears dropped both games over the weekend on their Southern California trip, but still are strong enough at 14-6 and 5-2 in Pac-12 play in stay in the top nine. Favorable schedule the rest of the way in Pac-12.
7. Northern Colorado - Somewhat of a surprise, but you have to be good to win seven out of your last eight games and be tied for the Big Sky lead with Weber State. At 13-4 on the season, there is a very good chance the Bears will see some type of postseason play.
6. St. Mary's - It was suppose to be down year for the Gaels, but Randy Bennett's clubs never seem to be down. They are the only WCC team that has a realistic chance right now to catch Gonzaga for league title. Gaels are one game behind the Zags, but do get them at home in February.
5. UCLA - Tough trip this week on the road to face the unpredictable Oregon schools, but UCLA has played really well in the last month with an overall record of 16-4, being 5-2 in Pac-12 play, but having little chance to catch Arizona for the league title, as the two teams do not play each other again.
4. New Mexico - The power of the Mountain West Conference allows the Lobos a fourth place. They also are playing great right now, winning seven of their last eight, the only loss being in overtime to UNLV. Can they beat San Diego State, that remains to be seen.
3. Gonzaga - With star player Gary Bell back now from hand injury, that will only add help to what has already been a good season for Gonzaga. The Zags lead the WCC by one game over St. Mary's, but something to watch is the Zags play six out of their last nine WCC games on the road, including the last four.
2. San Diego State - There are no stars on this team, but they just keep winning. The last loss was in November to Arizona and at 17-1, the Aztecs are a lock to make the NCAA tournament and probably do some real damage in the Big Dance. Steve Fisher truly is a hall of fame coach.
1. Arizona - At 20-0, leading the Pac-12 and the number one team in the nation in every poll. Plenty of great athletes on this team, it will be interesting to see if the Wildcats can run the table in the Pac-12 regular season and head to the Pac-12 tournament undefeated.


text: Slide 17. Defining the USPSTF (2) Presentation describes the methods used by the US Preventive Services Task Force to develop recommendations. Defining the USPSTF (2)The Federal Government established the USPSTF in 1984 to make prevention recommendations for the country.The USPSTF conducts rigorous, impartial assessments of the scientific evidence for the effectiveness of a broad range of clinical preventive services, including screening, counseling, and preventive medications.Previous Slide Contents Next Slide Page last reviewed October 2014 Internet Citation: Slide 17. Defining the USPSTF (2). October 2014. Agency for Healthcare Research and Quality, Rockville, MD. http://www.ahrq.gov/professionals/quality-patient-safety/quality-resources/tools/ppip/ppipslides/ppiplongsl17.html


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Specially designed strap for the bigger bodied players that can enjoy the extra room to groove.
Monkey Man Straps are designed to hang your guitar low. At 69" in length, it's the longest strap around, ideal for the taller player out there, tired of being choked out by standard guitar straps. Choose your color from the drop-down menu.


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Arlington Park: Coalport, La Tia eye open stakes
ARLINGTON HEIGHTS, Ill. - The dominant winners of two Illinois-bred turf stakes Saturday appeared to have exited their races in good condition, and both are likely to return in open stakes July 13, Million Preview Day.
Coalport, who earned a career-best 98 Beyer Speed Figure winning the Black Tie Affair Stakes by 2 3/4 lengths, is being pointed to the Grade 3, $200,000 Arlington Handicap, trainer Wayne Catalano said.
"He won very nice," Catalano said. "He relaxed, did everything he was supposed to do."
La Tia relaxed in her own way – racing on the lead – on the way to a 3 1/2-length score in the Lincoln Heritage Stakes. The 4-year-old City Place filly now has won two turf races this season by more than eight lengths combined, and she has earned a start in the Grade 3, $200,000 Modesty Handicap.
"That seems like what we want to do," trainer Armando de la Cerda said. "So far, she looks good after the race. She was a little tired, but no more than normal."
◗ Catalano reported that Imposing Grace, winner of the Grade 3 Arlington Matron on May 25 in her most recent start, will be sidelined until later this year after undergoing surgery to remove bone fragments in her ankle joint.
"She's going to run again," Catalano said. "She should be back late in the summer."
The Matron was the first stakes win for Imposing Grace, a 4-year-old daughter of Empire Maker.
◗ Channing Hill, Arlington's leading jockey with 23 wins through June 16, will be out of action two or three weeks, his agent, Pat Cuccurrullo, said.
Hill went down in a one-horse spill June 8, took a few days off, breezed horses last Thursday, and rode one race this past Friday. But Hill's shoulder was too sore to properly fulfill his riding duties, and he will rest the injury in hopes of a fairly speedy return.


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Spring Valley boys drop seventh straight
SPRING VALLEY -- By now, the script for the Spring Valley boys basketball team is becoming familiar. A rebound here, a made shot there, and the result might have been different.
Instead, the Timberwolves dropped their seventh consecutive game Thursday night, falling to Ashland 66-61 on their home floor.
Spring Valley (2-7) took the lead in the final minute of the first half, only to see it erased by an Ashland 3-pointer at the buzzer.
Jacob Kilgore hit a three for the Timberwolves in the final minute of the third quarter to cut the Tomcats' lead to one, but Ashland (11-5) ended on a 6-0 run and started the fourth with four unanswered points, putting the Timberwolves in a hole for the rest of the contest.
"A lot of that has to do with our shot selection," said head coach Cory Maynard. "We take a quick shot or a bad shot, which becomes a turnover in essence and they're able to get out in transition and get some easy points."
A big part of the difference between the was Ashland's Dikembe Dixson, a 6-foot-8 sophomore who had a second consecutive double-double in scoring 21 points and grabbing 10 rebounds.
Spring Valley's third quarter comeback effort after trailing by five came with Dixson sitting on the bench with three fouls. He returned to score the first six points of the fourth quarter for Ashland, hitting two unanswered buckets and scoring again after Spring Valley's Kilgore hit another three.
"He is a tough matchup, and will continue to be a tough matchup," Maynard said. "I haven't seen anyone get that high up all year."
After transferring to Ashland from Huntington High, Dixson said he feels like he's starting to get rolling.
"I've gotten used to the team and the varsity game," he said. "I didn't get a lot of varsity minutes last year, and I just feel like I'm getting into it now."
Spring Valley is continuing to shoot the ball well, going 44 percent from the floor and 38 percent from 3-point range Thursday. And the Tomcats let the Timberwolves hang around, shooting 10-for-25 from the free throw line, with most of those foul shots coming in the fourth quarter as Spring Valley tried to extend the game.
"I think the thing (Spring Valley) does best is they screen well, and they shoot well," Ashland head coach Buddy Biggs said. "Obviously, the free throws killed us. We turned what could have been a 15-point win into a five-point nail-biter."
Maynard 's starting three sophomores and two juniors, and said it's a challenge to keep a young team focused as the losses keep coming.
"I'm proud of the boys; I'm proud of their effort," Maynard said. "They play hard and never quit.
"They just have to keep battling ... It wears on them, but if they come out here and play like that every night, we'll get some wins."
ASHLAND 17 16 18 15 -- 66: Dixson 21, Friley 15, Thompson 12, Hart 7, Miller 7.
SPRING VALLEY 14 17 13 17 -- 61: Kilgore 19, Keyser 15, Herbert 11, Robertson 8, Steele 4, Meade 4.


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Overview & Schedule
During the second year of Neurology residency the focus is on the management of the inpatient service. Residents spend 6 months caring for patients admitted for neurological problems, learning to perform a thorough history and neurological exam with an emphasis on localization, differential diagnosis, evaluation and treatment. PGY-2 year also includes rotations in Neuro-rehabilitation, Neuro-radiology, Stroke and 3 months in the outpatient clinic.
The third year of neurology training allows the resident to assume greater responsibility in the emergency room, outpatient clinics and inpatient wards. The resident acts as senior resident on the inpatient service for 2 months during the second half of the year. There is a one month electroencephalography rotation during which the resident learns to perform and interpret electroencephalograms (EEG). They receive training in evoked potentials and intensive monitoring techniques. There is also a one month rotation in Sleep Medicine and a Neuropathology and EMG rotation where the resident learns nerve conduction as well as electromyography techniques and participates in the clinical evaluation and treatment of neuromuscular disease. In addition to three months of outpatient clinic, the resident may choose one elective rotation.
In the final year, the Neurology resident receives progressively more responsibility in the capacity of senior resident. The senior resident oversees inpatient care teaching the residents and medical students. A three month rotation in pediatric neurology allows the resident to gain new skills and knowledge in problems unique to this population, as well as review principles of pediatric EEG. Senior residents spend three months in general and sub-specialty clinics and have the opportunity to do two electives.
Typical Schedule
3 months
3 months
1 month
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In a Roadrunner exclusive, RR UK spoke with Times of Grace masterminds Adam Dutkiewicz and Jesse Leach about their longstanding friendship and the work they have done together in a three part interview, which kicks off today in at RoadrunnerRecords.co.uk.
Two more parts of this interview are coming tomorrow and Thursday. The Hymn of a Broken Man is out January 18th and available for pre-order now.


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This message board is only an archive. Click here to go to the current message board.
Here you can find answers to questions about how the board works. Use the links or search box below to find your way around.
No. If I did that for one person, I would feel like I'd have to do it for a great many people and in a lot of cases you can read a page or two or three and just say to yourself, 'This is terrible.' But nobody wants to write that kind of letter, 'Dear so-and-so, I started to read your manuscript but it was just awful so I tossed it aside.' That makes everybody feel bad, including me, so I don't do it. There's another reason, and that's a legal one. I've been sued for plagiarism 8 or 9 times. Any writer who has deep pockets has been sued for plagiarism from time-to-time-that goes for J.K. Rowling, John Grisham, really everyone. For everyone who publishes best-selling fiction, somebody wants to think, 'Oh, he got that idea from me' and so it's just much easier and much safer to say I never read that book at all.
Stephen King
I get my ideas from everywhere. But what all of my ideas boil down to is seeing maybe one thing, but in a lot of cases it's seeing two things and having them come together in some new and interesting way, and then adding the question 'What if?' 'What if' is always the key question.
Stephen King


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I had an interesting discussion with a student via email today. Since the name of my Home Study Course is called "Millions in Real Estate With no Cash and No Credit" ™ this student wanted to know how they could buy real estate with no cash and no credit. That is a fair enough question. And here is the answer.
My Home Study Course starts out by showing the real life scenarios of the first ten houses that I purchased all with no money down. People often are confused by the concept of no money down thinking that indeed there is "no money down". While that would seem to be the case it is not and this is an incorrect assumption.
No money down simply means "none of your own money" down. You could use Uncle Bob, Aunt Sally or your next door neighbor to put the money down. If it is not your money then it is no money down (as far as you are concerned).
There is a lot of confusion on the concept of no money down because people look at it conventionally like they would look at a mortgage. Since a mortgage usually requires a 20% down payment and in the giddy days of easy mortgage lending some companies were offering almost 100% financing many people think that this is the same thing as no money down. However it is not. It is an entirely different thing.
Let me show you an example:
Assume a house is in move in condition and needs no repairs
Assume that this house is worth $100,000 and would appraise for $100,000
If you could buy that house for $100,000 using a conventional mortgage you would usually be required to put down 20% or $20,000. If you had good credit you could probably get a mortgage for the other 80% or $80,000. The bank would loan you $80,000 if you put down $20,000 as long as you could show capacity to pay.
But what if you could but the same house for $60,000? And what if the only thing that the seller wants is cash? What if they don't want to wait for you to get approved for a mortgage? Maybe they can't wait for whatever reason – it could be divorce, foreclosure or a variety of reasons. So the sales price is drastically reduced to $60,000 but they insist that it must be cash and they want to close quickly like next week.
Now if you went to the same mortgage broker for the same house as in the example above and now told him that you wanted to buy the house for $60,000 cash and wanted a loan for all of the $60,000 what would he tell you? The first thing that he would tell you is that there is no way that he can get you a loan in a week. The second thing that he would tell you is that you need to put down 20% regardless of the purchase price. If you put down 20% the bank will give you the other 80%. In other words if you were buying the house for $60,000 if you put down $12,000 they will give you the other $48,000.
What if you could buy this same house for $40,000? The bank would tell you the same thing. Put down $8,000 and they will give you the other $32,000. However in reality you would now be below their $50,000 loan minimum so ironically they would not give you the loan.
So regardless of how cheap or below actual market value you can buy this house, the bank will still go by the same formula. This formula says that the bank will loan you 80% of the purchase price which is the amount on the purchase contract. Notice that the purchase price has nothing to do with the value of the house!
The bank loans you the money based on the purchase price and your capacity to pay and their loan is not based on the value of the house (only on one appraisers opinion). The bank uses an appraisal as a fail safe measure to make sure that they don't mess up and loan you too much if your purchase price is too high for the house.
So how did that work out for the banks over the past few years? Not so great I think you would agree! Well the banks have not learned. Now with real estate prices at record lows the bank will still not lend money to most borrowers. This is kind of strange if you consider that when prices were high they were loaning money to everyone with a pulse. If you think about it this makes no sense at all. Or maybe it does. I speak to asset managers in California arguing with me about the value of a property in Florida and they have never even set foot in the state! How would they know? Their valuation model is computer based at is mediocre at best.
So in a scenario like this if you could actually buy this house for $60,000 what do you do? Well if you have the cash then there is no problem but what if you don't have any money? The answer is simple. Borrow money from someone that does. You should preferably borrow money from a family member or someone that you know that will lend you money at a reasonable interest rate. I would consider 8% to be a reasonable interest rate from a family member. They would get a much higher return from you than they would in the bank and you get to leverage their money without being charged an arm and a leg.
As an example, let's say you could buy this $100,000 house for $60,000 cash. Let's say you go to your Uncle Bob and ask him to borrow $60,000 to buy the house. You tell him that you will pay him back in less than 12 months by refinancing the house (assuming you have decent credit). You also tell him that you will sign a promissory note and secure the note with a mortgage (just like the bank does) so that if you don't pay him then he can take the house away from you.
You also point out to him that the house is worth $100,000 and you are only borrowing $60,000. In other words the loan is secured by a property and there is collateral (the house). Now Uncle Bob is a business man and he knows that loaning you $60,000 at 8% interest sure beats the less than 1% interest that he is earning right now in his checking account. He does some research on the value of the house and being the businessman that he is he decides to loan you the money.
Fast forward 6 months and you order up an appraisal on the house. The house appraises for $100,000 just like you thought it would. You go to your mortgage broker and ask him for a loan in order to refinance your mortgage with Uncle Bob. After all Uncle Bob wants his money back within 12 months as promised and why pay 8% interest if you can refinance and get a mortgage with the bank at less than 4%?
So you get the house appraised and the appraisal comes through at $100,000. You call up the mortgage broker and tell him you want to refinance your mortgage and what does the mortgage broker tell you? The bank will loan you 80% of the appraisal amount or $80,000.
When the mortgage comes through the first mortgage to Uncle Bob is paid off and Uncle Bob gets back his $60,000. But the bank is loaning $80,000 so there is still $20,000 left over. Now the bank holds a new mortgage against the property as collateral and replaces Uncle Bob. What happens to the extra $20,000? After Uncle Bob is paid off there is $20,000 left of which $5,000 goes to the mortgage broker for closing costs and fees. The $15,000 that is left over goes to you.
So at this point let's analyze this deal. You now have $15,000 cash in your pocket (from the refinance) and you also own a house that is worth $100,000 with a mortgage of $80,000. This means there is $20,000 in equity in this house. Add the $15,000 cash from the refinance to the $20,000 in equity and your net worth has increased by $35,000.
And how much did you spend of your own money to buy this property? Zero, zilch, nadda! You bought this house with no money down meaning none of your own money down. You used Uncle Bob's money. And that my friend, is how no money down deals happen.
So the big question is can you really do this? Yes you can! I show you the first ten houses that I did in my Home Study Course that I purchased just like this. You can do this too.
All you need is two things. The first is a private lender like uncle Bob. The second is the ability to find great houses at way below market value like in the example above. To find private lenders start going to your local monthly real estate investor association meetings (ours are on the first Tuesday of every month at 7 p.m.).
To learn how to find great houses below market value get some training like we offer at our Distressed Real Estate Boot Camp.
The hard part is not finding a private lender. The hard part is finding a $100,000 house for $60,000 cash. In today's market you are most likely to find that this kind of deal will be a short sale or a bank owned property. If you find a house like that we can find you a cash buyer for it and you can make a quick profit selling it. Do that a few times and you will have no problem finding private lenders.
How easy is it to find a $100,000 house for $60,000? Well it does take work – and if you are afraid of working a little then this is not for you. But it can be done. I have trained hundreds of students how to do it. I even trained a 21 year old kid who was working at Wendy's for $6.75 how to do this. He has flipped 8 houses this year. I can train you too!
To your success in real estate!


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Anne Hathaway reveals an obsessive quality that she stresses over in the upcoming issue of Glamour Magazine.
Celebrity news updates and pictures direct from the world's leading paparazzi news agency.
Discover the best in original web series.
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As the Montgomery County Council heads on its monthlong August recess, a bill to establish public campaign financing remains unfinished, and some members are questioning what problems, if any, the reform bill solves.
Written by Councilman Philip M. Andrews, the bill would establish a public financing system for local elections by conditionally matching private contributions with public funds. The bill would allow candidates to receive public money to help fund their campaigns, but places limits on the size of contributions for candidates who accept it.
"The question is, 'What is the problem that we're solving?'" Councilwoman Nancy Floreen said.
All nine members of the council signed onto the bill when Andrews proposed it in February, but Council President Craig L. Rice said the June 24 primary left him questioning what the proposed reforms could accomplish. He noted that the bill would not stop a political action committee or independent expenditure committee from raising its own money and spending it on behalf of a candidate it supports.
Andrews (D-Dist. 3) of Gaithersburg argued the reforms would, among other things, boost voter turnout, which was a low 16 percent of registered voters in the primary.
"Given the extremely low turnout in this election, it is clear that there needs to be changes made to how elections are conducted," Andrews said.
By matching individual contributions, the bill encourages candidates to seek more individual contributors, providing a strong incentive for those who donate to vote, he said.
Not all his colleagues agree.
Rice (D-Dist. 2) of Germantown said there's no connection between voter turnout and campaign finance, a sentiment Floreen shared.
"I don't think the amount of money spent affects turnout," said Floreen (D-At large) of Garrett Park.
Low voter turnout, she said, could also result from an electorate that is satisfied with its representation and governance.
While Councilman George L. Leventhal supports the bill and the changes it would make, he doubted if it would significantly affect turnout.
"I think [public financing] engages more donors in that small contributions become worth more," he said. "But small donors are a small circle of politically active people."
Candidates, though, would be able to spend less time dialing for dollars and more time engaging voters under a public financing system, said Leventhal (D-At Large) of Takoma Park.
Councilman Marc B. Elrich argued that the bill is needed to balance the large developer contributions made to some council candidates.
Proponents of national campaign finance reform often condemn large contributions by special interests, saying the donations influence votes.
Asked if similar special interest spending and influence is a local concern, Elrich (D-At large) of Takoma Park responded, "Are you serious? Have you looked at the numbers?"
Elrich, who eschews developer dollars, said developers have made significant contributions to some of his colleagues and believes that does influence decisions on the dais.
Regardless of who cuts him a check, Leventhal said, he does not vote with his donors in mind.
"Trying to pressure me is never a successful tactic," he said. "I have always made every decision in what I believe is the public interest. I have never allowed a campaign contribution to cloud my judgment or change my thinking."
For candidates who openly shun certain contributions from special interests, public financing has a unique appeal, Floreen said.
"For people who have made their mark by saying they don't accept donations from PACs and things, it sort of makes them feel better," she said. "These things sound good but once you read the details, there are questions: 'What is the problem we are solving? Is it too much money spent?' I don't know. I certainly think it is worth a conversation."
The bill is pending in the Government Operations and Fiscal Policy Committee, chaired by Councilwoman Nancy Navarro (D-Dist. 4) of Silver Spring.


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101 Dalmatians: The Series is based on Disney's famous animated movie 101 Dalmatians. There's always lots of fun with 101 Dalmatian puppies as they grow and play. 1st Season of 101 was on ABC. 2nd season ran on Syndication. 65 episodes were made. 12 on … View The Show
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Television's most popular true-crime series, investigating shocking cases and compelling real-life dramas with journalistic integrity and cutting-edge style.
This in-depth approach has earned the program and its teams numerous awards including three Peabodys, 17 Emmys and five RTNDA Edward R. Murrow Awards.
The program was … View The Show
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Reverend Eric Camden (Stephen Collins) and his wife Annie (Catherine Hicks) have always had their hands full caring for seven children, not to mention the friends, sweethearts and spouses that continually come and go in the Camden household. This year, Eric and Annie will find … View The Show
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Detective Inspector Jack Frost is a disorganised DI for the Denton Police Force and will do anything to see that justice is done, even if he has to break the rules.… View The Show
In this satirical British sitcom, which became a cult hit on American cable, a grotesquely self-centered fashion victim chain-smokes, swills champagne, abuses drugs, munches caviar, terrorizes her daughter, and tries in vain to mingle with the beautiful people — all in the company of her … View The Show
Æon Flux is set in a bizarre, dystopian, future world of mutant creatures, clones, and robots. The title character is a tall, bondage gear-clad secret agent from Monica, skilled in assassination and acrobatics. Her mission is to infiltrate the strongholds of the neighboring country of … View The Show
Poirot is a UK series that brings to life Agatha Christie's Belgian detective, Hercule Poirot (played by David Suchet), whose sleuthing belongs chiefly in the 1920s and 1930s. Based in London, with the very English Captain Hastings (Hugh Fraser) as his Dr Watson, Poirot 's … View The Show
Aladdin, the clever hero of Agrabah, continues his adventures with the help of his fiancee Princess Jasmine, his pet monkey Abu, Magic Carpet, Iago the greedy parrot, and of course his best friend the semi-cosmic Genie.… View The Show
The Tanner family is an average American family. One day, they discover that they have a visitor. He's small, he's furry, he's arrogant, and he's an alien from the planet Melmac. Unsure what to do, they name him ALF: Alien Life Form. Alf soon decides … View The Show
For the last 35 years, America has been entertained by the trials and tribulations of Pine Valley, Pennsylvania. On 5 January 1970, ABC premiered one of their most famous soap operas, All My Children. Through good times (Susan Lucci's finally receiving a Daytime Emmy) and … View The Show
Ally McBeal is an American comedy-drama series which aired on the Fox network from 1997 to 2002. The series was created by David E. Kelley, who also served as the executive producer, along with Bill D'Elia. The series stars Calista Flockhart in the title role … View The Show
Animated series about three chipmunk brothers, Alvin, Simon, and Theodore. The trio have been adopted by and are living with Dave (human). Each show finds the boys getting into trouble and new and unusual situations.
Alvin, Simon, and Theodore were not the only chipmunks in … View The Show
America's Funniest Home Videos is ABC's longest-running comedy series. The show began with original host Bob Saget (Full House)The series was an instant sensation on Sunday nights and ran for seven successful seasons. The show was re-launched with new hosts John Fugelsang (a stand up … View The Show
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Warner Bros.' follow-up to Tiny Toon Adventures was a show even nuttier than its predecessor. The two Warner Brothers "talky Yakko and Liverpool-accented Wakko" and their Warner Sister, Dot ("I'm cute") had supposedly been created in the 1930′s, but their cartoons were too screwball for … View The Show
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Based on the popular BBC series running since 1979, the PBS Antiques Roadshow combines history with discovery. Each year, the show visits a handful of cities to appraise items brought in by viewers. Are these items worth a lot of money, more than the visitors … View The Show
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Listen up, all you Casio G'zone Commando users – Gingerbread's waiting for you. Verizon's delivered build C771M070 and alongside the upgrade to 2.3 you're getting a lag fix, the ability to add signatures to SMS and MMS messages, the ability to brighten the display by touching it while docked and a fix for the errant proximity sensor. If that sounds good enough for you head over to About Phone under Settings, Hit System Updates and check to see if it's there.
Call Features
- + Screen will brighten upon touch when phone is docked during a voice call.
- + Proximity Sensor accurately senses presence during a voice call.
Email and Messaging
- + Auto signature can be enabled within SMS/MMS messages.
- + Device will no longer generate a draft message when opening a message.
Additional Device Features
+ Privacy Caution screen will now appear during Setup Wizard. + V CAST Media Manager now comes preloaded.
+ Reduced device lag.
Continue reading:
- Casio G'zOne Commando receives build C7
- Casio G'zOne Commando to receive C771M1
- Casio G'zOne Commando blessed with free
- Casio G'zOne Commando Software Update R
TAGS: Casio G'zOne Commando


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The Army's top officer and a relative of President Susilo Bambang Yudhoyono has denied rumors of a coup d'etat later this month, saying the military would never back such a move.
"God willing, there will be no coup," Gen. Pramono Edhie Wibowo, who is the brother of the first lady, Ani Yudhoyono, said at the Indonesian Military headquarters in Jakarta on Thursday.
He argued that in order to be successful, the coup would have to have the backing of the military, and insisted that the military would do no such thing.
Pramono, the Army chief of staff, also said that top officers had been told to quash any talk about a coup in their units.
"I have already told [them] to not spread the coup rumors. Let's all just abide by the law. The military will not launch a coup, I can guarantee that," he said.
Rumors about the coup stemmed from an intelligence report that suggested it would start with a major demonstration planned for next Monday.
The speculation was further fueled when Yudhoyono held closed talks last week with a group of seven retired but influential generals, although they later said that they only discussed the upcoming presidential election.
Pramono urged an end to the speculation, warning that it could scare investors away if sustained for long enough, thereby hurting the country's economic growth.
Fadli Zon, the deputy chairman of the Great Indonesia Movement Party (Gerindra), said earlier that the talk of a coup was mere bluster and would not be acted on.
"The rumor should be stopped. It's unproductive and assumes that the public is stupid," he said on Wednesday.
"There is no tradition of coups in our country, unlike what we see in other countries in the region. Even if there are those intent on carrying out a coup, who would mobilize it and with what?"
He added that most coups involved active military leaders or at least government officials, and argued that with Yudhoyono loyalists heading all three branches of the military, there was no way that such a coup would take place.
There is also the so-called self-coup, Fadli went on, usually committed by the government with the military's help in a bid to gain extra constitutional powers, like what happened in Peru in 1992 under Alberto Fujimori.
This, the Gerindra politician went on, was the likelier scenario but still a very remote possibility.
"Given Indonesia's current condition, a coup from outside [ex-military or government officials] is very unlikely," Fadli said.
Tubagus Hasanuddin, a retired general and current deputy chairman of the House of Representatives' Commission I, which oversees defense and foreign affairs, agreed that any coup attempt without the backing of the armed forces would be pointless.
"A coup in Indonesia will only be effective if carried out by the military or by [rogue] military members who are armed," he said on Wednesday.
"Now, is there any sign that the military will launch a coup attempt? In my opinion, it's very unlikely."


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We review the two completed matches of Day 9 as well as the handful of games played in the other four encounters. Scanning the forecast, another day of chronic delays should lie ahead on Wedesday.
Azarenka d. Stosur: For those familiar with their history, the first set confirmed expectations when the top seed dropped a breadstick on a feckless defending champion. To her credit, Stosur rallied bravely from that ghastly start to win her first set ever against Azarenka with an avalanche of timely forehands that skidded off the fast court. But Vika continued to threaten in most of her return games, subjecting the Australian to pressure that eventually bore fruit with a break early in the third set. Continuing to muster impressive resistance, though, Stosur recaptured not only that break but another later in the set before holding serve with her back to the wall to force a tiebreak. There, Azarenka surged ahead yet again to build a 4-0 lead, only to drop five of the next six points. A pair of fortuitous ball bounces, one on the net and one on the baseline, ended a match in which little separated the two competitors over the last two sets. Although Azarenka reaches her first US Open semifinal and third major semifinal of the season, the greater headline perhaps belongs to Stosur for battling so vigorously against a perennial nemesis of hers. This US Open title defense ended as well as she could have expected, while her opponent should fancy her chances to reach a second straight final at a hard-court major.
Ferrer d. Gasquet: Like Azarenka and Stosur, this pair had not produced any encounter of excitement before. Also like Azarenka and Stosur, they managed to collaborate on their most closely contested match to date, although much of the intrigue stemmed from Ferrer's struggle to finish off the Frenchman late in each set. Each of the first two sets reached 5-5 as both men squandered several opportunities to charge ahead, and both men struck second serves slower than many WTA second serves. Despite serving below 50% with eight double faults, Ferrer again managed to win the key points and return from a lengthy ran delay without losing his focus. He has reached the quarterfinals at every major this year, a remarkable achievement for anyone outside the top four.
Sharapova vs. Bartoli (susp. 0-4): Having led their previous meetings 4-0, the 2006 champion quickly trailed their fifth by the same score in games. Through the first four games, Sharapova won just seven total points as lethargy afflicted her footwork. By contrast, Bartoli began where she ended her previous upset over Kvitova, brimming with energy during and between points. The rain intervened not a moment too soon for Sharapova, who used a similar delay to regroup in the fourth round against Petrova. If the match does start according to plan at 11 AM, an unlikely possibility considering the forecast, she may struggle to rouse herself at an hour much earlier than she normally plays.
Roddick vs. Del Potro (susp. 6-6): When the umpire finally decided (much too late) to suspend play, the 2003 champion had won the first point in a first-set tiebreak from the 2009 champion. Roddick probably should have closed out the set well before then, starting with almost flawless serving and even swinging through his backhand with confidence. Soon trailing 2-5, 15-30, Del Potro looked listless and lost for ideas—until a flurry of untimely errors brought him back into the match on serve. Once at 5-5, he began to seize the initiative with precisely measured forehands and more efficient returning. As the tiebreak began, then, one would have handed the favorite a slight edge. The home hope must recover from the disappointment of failing to secure the first set when he served for it at 30-0, not a situation in which he usually falls short.
Djokovic vs. Wawrinka (susp. 2-0): On court for less than ten minutes before the rain intervened, the defending champion escaped a slightly shaky opening service game and then won five straight points in a return game that he initially trailed 40-0. The impending weather interruption appeared to distract the players, both of whom rely on a more rhythmic style. For Djokovic, should he win, awaits the prospect of possibly contesting three best-of-five matches in four days. Fortunately, however, the elements appear likely to forestall that nightmare and require a fifth straight Monday final.
Tipsarevic vs. Kohlschreiber (susp. 5-2): The forgotten match of the day, this understated Grandstand encounter moved in the expected direction without much ado. Seeking his second straight quarterfinal in New York, Tipsarevic survived a difficult opening service game and broke the German not long afterwards. When the rain arrived, Kohlschreiber tottered within two points of losing the set, serving at deuce. The winner will find himself at a disadvantage against Ferrer in a projected Thursday quarterfinal, not that the Spaniard needed any external assistance against one of two opponents clearly below his level.


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by David Brown
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Want to add music to your backyard, porch, patio, or pool? We'll show you different options for enjoying your music in the great outdoors.
Learn about what to look for when choosing outdoor speakers, including weather-readiness and the speaker designs best-suited for different setups.
Get tips on planning your outdoor speaker system, including where to place your speakers and the other items you'll need to complete your setup.
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The newest Wranglers prove that it's possible to combine the rugged, go-anywhere capability Jeep enthusiasts demand with the comfort mainstream audiences expect. In 2011, Jeep rolled out some changes that made the Wrangler's interior a much nicer place for an aftermarket stereo.


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The Chaco Meridian: Centers of Political Power in the Ancient SouthwestPaperback
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- Publisher: AltaMira Press,U.S.
- Format: Paperback | 240 pages
- Dimensions: 152mm x 224mm x 13mm | 386g
- Publication date: 28 March 1999
- Publication City/Country: California
- Illustrations note: Illustrations, maps
Product description
Southwestern archaeologists have long pondered the meaning and importance of the monumental 11th-century structures in Chaco Canyon. Now, Stephen H. Lekson offers a lively, provocative thesis, which attempts to reconceptualize the meaning of Chaco and its importance to the understanding of the entire Southwest. Chaco was not alone, according to Lekson, but only one of three capitals of a vast politically and economically integrated region, a network that incorporated most of the Pueblo world and that had contact as far away as Central America. A sophisticated astronomical tradition allowed for astrally aligned monumental structures, great ceremonial roads and-upon the abandonment of Chaco Canyon in the 12th century-the shift of the regional capital first to the Aztec site, then Paquime, all located on precisely the same longitudinal meridian. Lekson's ground-breaking synthesis of 500 years of Southwestern prehistory-with its explanation of phenomena as diverse as the Great North Road, macaw feathers, Pueblo mythology, and the rise of kachina ceremonies-will be of great interest to all those concerned with the prehistory and history of the American Southwest.
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Author information
Stephen H. Lekson teaches at the University of Colorado.
Review quote
Lekson is one of the few archaeologists who writes with a distinctive voice, one of the few who prefers to work without a net... His account of political history of the ancient Southwest ... is a reconstruction that cannot be ignored by those interested in ancient Pueblo history and in the development of political complexity and social inequality. -- Mark D. Varien American Anthropologist Once every generation or so a new work appears that radically changes how we perceive some aspect of the world. [The Chaco Meridian] is one of those 'paradigm-shifting' events in archaeology...It is a fun yet thought-provoking book, a must-read for anyone interested in modern archaeology. -- David Anderson, National Park Service Chaco ... Why would such a thriving civilization grow in such an inhospitable environment? Why would it suddenly disappear? What was its relation to other flourishing areas of the 11th, 12th, 13th centuries? In this remarkable book Lekson overwhelms readers with his answers to these questions. Why are Chaco, Paquime (in Mexico), and Aztec on almost the same 'meridian?' Why were the objects of trade and symbolism in all three similar?
Table of contents
chapter 1 Acknowledgments chapter 2 Apologies chapter 3 1. Pourparler chapter 4 2. Mondo Chaco chapter 5 3. Meridian Nexus chapter 6 4. "A Beautiful Fact Killed by an Ugly Theory" chapter 7 5. Conclusions? chapter 8 Appendix 1: T-Shaped Doors chapter 9 Appendix 2: Culiacan chapter 10 References chapter 11 About the Author


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Friday, December 7, 2012
The Next Door is pleased to announce that Dennis Carlson is its 2012 Volunteer of the Year. Since 2006, The Next Door has been recognizing outstanding volunteers to receive the Dana Lance Volunteer of the Year award, named in honor of founding board member Dana Lance.
This past year, Next Door employees voted unanimously in favor of Dennis Carlson to receive the award. Carlson, a Master Gardener, has been instrumental in the setup of both the Klahre House School garden and the Raices/Roots Community Garden, located on Barker Road.


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July 31, 2015
College Station police say two Bryan brothers reportedly stole $20,000 worth of electronics between December 2008 and January 2009.
One brother has bonded out of jail, the other is on the run.
Chad Shannon, 25, was arrested January 30 and charged with theft. His younger brother, Dustin Shannon, 20, is wanted by police.
The two are accused of stealing flat screen televisions, GPS devices and several other electronic items from numerous retail stores in Bryan-College Station. Police say the duo then sold the goods at local pawn shops.
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- 1
- person in the U.S. has this name View Billye Avery on Whitepages
Meaning & Origins
The meaning of this name is unavailable
|4,824th in the U.S.
English: from the Anglo-Norman French personal name Auvery, a Norman form of Alfred. It could also be from a variant of the Anglo-Norman French personal name Aubri (see Aubrey). At least in the case of the original Puritan settlers in New England, there has been some confusion with Averill.
|846th in the U.S.
Nicknames & variations
Billie, Bill, Billy, Billi, Billee, Bille, Billey, Billa, Billlie, Billia
Averill, Averett, Averitt, Avera, Averette, Aversa, Aber, Aversano, Avers, Averhart


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Pronunciation: /ˈSHo͞odē/
Definition of shootie in English:
A woman's ankle-high bootlike shoe.
Example sentences
- Wear your legging-and-blazer outfit with "shooties" or boots to complete the look.
- Shooties look great with knee-length skirts and dresses, and they're still a perfect choice for anybody whose calves are too fat for knee-length boots.
- These flowing, movable pieces were combined with custom-designed chunky, strappy, gladiator shoes and shooties that gave a youthfulness to elegant dressing.
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Eating Out
What do you do when a restaurant's food is just bad?
We went to a new restaurant the other night and the food was just... bad. Nothing was improperly prepared, but nothing was good, either. Every time our waitress checked on us, we told her it was fine, because technically, nothing was WRONG. It was exactly the way the kitchen (and Sysco) intended it.
I put something on twitter, and the restaurant replied, wanting to know how to improve. I really don't know what to say -- the entire concept of the restaurant is flawed and everything is fundamentally bad. The thing is, I genuinely want them to succeed--the restaurant's in my neighborhood and the owners also own my favorite pizza place.
What should I do?
Talk is closed, but that doesn't mean the conversations have to stop!
Check out this post for a more thorough explanation, and jump onto our Facebook page or our Twitter feed to keep the conversations going!


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When: Wednesday 7 p.m.
Where: 15 N. Third Ave.
- EMS Levy: Authorize agreement with Walla Walla County for levy payment of $1,336,227 to provide ambulance service to county residents.
- Rear Load Refuse Truck Purchase: Authorize contract for two rear-load refuse collection trucks for $455,415 from Solid Waste Systems of Spokane.
- Ambulance Purchase: Authorizes purchase of an ambulance from Braun Northwest for $140,139.
- North seventh avenue at moor street: Set public hearing for April 13 for right-of-way vacation of alley east of N. Seventh Avenue and north of Moore Street.
- 2011 goals: Adopt council goals, which include identifying big-box locations, joint Port/City light industrial park, Alder Street LID among other goals.
- Habitat for humanity: Authorize waiver of utility connection fee of approximately $4,500 for Habitat house project.
- Reser road and fern and howard avenues: Authorize reimbursement agreement with Walla Walla County regarding construction of utility improvements in the amount at approximately $333K.
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ICBA's Immediate Past Chairman Speaks Out on CRA
Washington, D.C. (Dec. 22, 2004) - Independent Community Bankers of America (ICBA) Immediate Past Chairman C.R. "Rusty" Cloutier, president and CEO of MidSouth Bank, N.A., in Lafayette, La., appeared on the Public Broadcasting Service news show "NewsHour with Jim Lehrer" to speak out about proposed changes to the Community Reinvestment Act (CRA).
The segment discussed the effect CRA has had on rural communities since 1977, and what regulatory changes proposed by the FDIC would mean for community banks and those they serve. The FDIC proposal, supported by ICBA, would allow more community banks to focus resources locally by undergoing streamlined exams that establish more flexible investment options under CRA. Organizations that find CRA-related investment opportunities for banks, often hundreds of miles away from the banks' communities, oppose the FDIC's proposal.
Cloutier said that community activists are barking up the wrong tree, spending all their time on community banks when, "the 10 largest banks in America control 77 percent of the deposits. That's where the money is."
"The fact is, I do serve my community," Cloutier continued. "We would do that if we had a CRA or not because there are just things that are right to do, and improve the community and make it a better place to live." The FDIC's proposed regulatory changes are designed to help more community banks like MidSouth Bank direct their financial resources to low- and moderate-income neighborhoods in the communities they serve. Currently, the regulations are forcing many community banks to invest in projects far away from the communities they serve.
"We're glad to be involved in investing in our communities," said Cloutier, "but to hold us to an investment test in buying investments in other parts of the country just doesn't make a lot of sense."
More information on CRA and ICBA's document "The Truth about CRA," outlining the facts regarding the change to the CRA asset-size limits, is available at www.icba.org/advocacy/index.cfm?ItemNumber=1775.


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Welcome to the site of Stuart Carlson, W8SRC: 19-year-old General class amateur radio operator from Dexter, MI. I am active mainly on my local area VHF/UHF repeaters, and I am on HF (40/20/15/10m) mainly during a major CW or SSB contest. I am almost always available on my own repeater. More info here. If you're in southeastern or south central lower Michigan, you can find me during these next scheduled events (see below). Feel free to look around the site, become a member, post on the forums, like me on Facebook, and invite your friends to do the same!
73 de W8SRC


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MMA News
Donald Cerrone vs. Rafael dos Anjos to co-headline UFC on FOX Sports 1 2
UFC officials announced that Donald Cerrone (20-5 MMA, 7-2 UFC) would be fighting fellow lightweight contender Rafael dos Anjos (19-6 MMA, 8-4 UFC) in the co-main event of UFC on FOX Sports 1 2. The announcement came via the Indianapolis Star.
UFC on FOX Sports 1 2 takes place Aug. 28 at Bankers Life Fieldhouse with the main card airing on the soon-to-debut FOX Sports 1 network.
Cerrone is coming off of a dominating unanimous decision win over K.J. Noons at UFC 160. With this win Cerrone moved to 3-1 in his last four fights. Donald Cerrone is a fan favorite and puts on exciting fights every time he fights.
Rafael dos Anjos is on a four-fight win streak with his last victory a controversial decision win over Evan Dunham at UFC on FX 8. A win over Cerrone would elevate the Brazilian Jiu-jitsu black belt to the top of the UFC lightweight division.
This fight will co-headline the event along with Carlos Condit vs. Martin Kampmann.
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Lisa Douglass
Clinical Supervising Attorney and Lecturer in Law
Lisa Douglass is a lecturer and supervising attorney in the Community Law Clinic in East Palo Alto where she directs the Clinic's Social Security Disability practice. Lisa supervises clinical law students in their representation of clients with severe mental and physical disabilities at hearings to obtain federal disability benefits. She works with students as they develop the cases from initial investigation to final written and oral advocacy. She also supervises student work in the Clinic's other practice areas, such as housing matters. Lisa also co-teaches the seminar and workshop portions of the clinic, training on issues of trial advocacy, client-centered lawyering, and other topics.
Lisa is also the director of the SLS Social Security Disability Pro Bono Project, through which students assist homeless and formerly homeless clients apply for disability benefits. The project sessions take place at the Opportunity Services Center of the Mid-Peninsula, a homeless drop-in service center and housing facility in Palo Alto.


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Soccer as Life
For lovers of the beautiful game
Posts filtered on Category
Guest blog: MLS parity
Hi people. Here's our blog's first guest contribution. I hope you enjoy it, and maybe even consider doing one yourself. As I mentioned at the start of this blog, it a collaborative effort. Drop me a line at firstname.lastname@example.com if you think you have a soccer specialty we'd be interested in. Now, drum roll, please, welcome Graig Carbino. What's up […] [Read More]
NY Red Bulls-LA Galaxy
Red Bulls 2 Galaxy 2 OK, summertime is here and most leagues are dormant, except for Major League Soccer, which threw down in a glorious match on Saturday night in New Jersey between the Red Bulls and Galaxy. In front of a MLS season high 46,754 fans, the David Beckham-captained Galaxy leaped out to a […] [Read More]
ESPN – Extra Soccer Please Now!
ESPN officials were extremely satisfied with viewership and the quality of play at Euro 2008, despite Wednesday's frustrating 18-minute coverage blackout during the end of the pulsating Germany-Turkey semi-final. In a media conference call on Thursday, ESPN executives and broadcast announcers called this year's European tournament one of the best in terms of […] [Read More]
High-def weekend
I have seen the future, people, and it is very beautiful. Muy bonito. Bellisimo. The digital television world has reached world soccer. Euro 2008 and the U.S. men's national team World Cup qualifiers were played this weekend, and both were offered in HD – or High-definition. It makes viewing a real fine experience. Spain-Sweden, Czech Rep.-Turkey and the U.S.-Barbados were all […] [Read More]
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Baby Quasar Blue Light Therapy Device for Acne is a powerful anti-acne skin care device that kills bacteria causing acne and treats inflammatory acne vulgaris. It's gentle, natural and painless solution to cure acne and give you a smoother and cleaner skin.
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Please contact us at (1-888-696-0423)


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Enjoy the downtown location and superior amenities of the Hilton Charlotte Center hotel. Our hotel in Charlotte, NC, is directly across from the Charlotte Convention Center.
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Once again Inter wasted numerous scoring opportunities and were denied by heroic Simone Scuffet for a 0-0 draw with Udinese.
Click here for the full match report.
Think you know your Italian football? Share your knowledge, tips and comments to win cash prizes in OLBG's tipster competition - £11,000 to be won monthly!


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Thordon Bearings has received an order to supply its COMPAC system to two Alaska Ferry newbuilds under construction at the Vigor Industrial shipyard in Ketchikan, Alaska.
A new high-tech unmanned vessel, launched with the help of Google, will use innovative technologies from the boatbuilding and mapping fields to map shorelines and
Mitsui O.S.K. Lines, Ltd. earned recognition from the ports of both Los Angeles and Long Beach, California, today, for its efforts to ensure compliance with
Heidmar announced the promotion of Duncan Ross to Fleet Manager.
Duncan joined Heidmar's London office in 2012 as vessel manager. Prior to joining Heidmar,
Diana Shipping Inc. today reported a net loss of $14.1 million and net loss attributed to common stockholders of $15.5 million for the second quarter of 2015, compared to net loss of $5.
U.S. energy firms added 5 oil rigs this week after putting 21 rigs into service last week, the most in over a year, despite a collapse in U.S. crude prices from recent highs in June,


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A Charleston-based radio station owner is extending its reach down the South Carolina coast.
Apex Broadcasting Inc. has agreed to buy WLHH-104.9 FM in the Hilton Head Island area in a deal valued at $682,500, according to filings with the Federal Communications Commission.
The seller is Low Country Radio LLC.
Apex also is acquiring the rights to sell airtime on and otherwise operate WLHH under a separate agreement. The financial terms of that deal with Low Country Radio weren't disclosed.
WLHH is a oldies-format station nicknamed "The Surf."
The CEO of Hilton Head-based Low Country Radio is former Charleston radio personality C.J. Jones. He was part of the "CJ & Buzz" morning show in the 1970s and 1980s on WTMA-1250 and on WCSC-1390.
Apex Broadcasting is headquartered on Clements Ferry Road and is owned by Dean Pearce.
It operates five local FM stations: Kickin' 92.5; Mix 95.9; 99.3 The Box; Star 99.7; and 101.7 Chuck FM. Apex also has several stations in the Florida panhandle serving the Destin and Fort Walton Beach markets.
Editor's note: A previous online version of this story contained the incorrect call letters for WLLH-104.9.
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Screening Retro-Venus
Hey i'd just like to quickly say that when Venus is Retrograde, you can't necessarily expect to hear from whom you're expecting to hear from, if you know what i mean. But it's a good idea to screen your calls as you're more likely to hear from the peeps you're not expecting to hear from, lol.
How, btw, do you guys cope with those unexpected calls that you have somehow answered?
I'm really slack with a lack-lustre 'hi' and then a ridiculous excuse that i can't talk because i'm being evacuated from somewhere but that i'll call back later.
"Call back in another dimension" is obviously what i mean but not everyone gets that.
i think that's standard Piscean-Aqua Rising evasion protocol, yes?


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No team in the Pac-12 is harder to assess than USC, and the on-field questions are only one source of the confusion.
NCAA scholarship sanctions figure to eventually catch up with the program. Right now, no matter how good the team is, it is not eligible to play in the new Pac-12 championship game, nor for a national championship.
Despite all their troubles, the Trojans still possess one of the most talented rosters in the conference.
If they are focused week after week, they'll be a dominant force in the South Division of the Pac-12.
If the idea of playing for nothing except pride isn't enough, there's a chance the Trojans could drift toward mediocrity.
"We're not thinking about the negative aspects of the season," quarterback Matt Barkley said. "We have so much going for us this year, so much talent and the special teams with the characters and leadership that we have on this team.
"We're not worrying about that time right now. When it comes, we'll deal with it. But as of now Minnesota is on the game plan. That's our schedule; one game at a time."
Depth, though, will be an issue. Even though the full wallop of the scholarship reductions hasn't been felt—that's two or three years away—the Trojans have suffered significant attrition in the past year and are more vulnerable to injuries than they have been in nearly a decade.
There are several sterling pieces left on second-year coach Lane Kiffin's roster, including Matt Barkley and Robert Woods, the best pass-catch combination in the Pac-12. Marc Tyler, who is suspended for at least the first game, and Dillon Baxter form a devastating tailback tandem, while safety T.J. McDonald is a star-in-the-making. There's talent at linebacker with Marquis Simmons, Devon Kennard and Chris Galippo.
In years past, the Trojans were so deep on the line that they could have weathered the loss of nearly any player. Not anymore. A suspect defense—USC yielded 400 yards per game last season—is vulnerable.
"We have to improve everywhere on defense," coach Lane Kiffin said. "There are a lot of areas to address, but specifically on defense."
There's also a lack of depth on the offensive line, where only two starters return in Matt Kalil and Khaled Holmes and uncertainty reigns. If the line manages to protect Barkley, USC's offense should be potent. Tyler rushed for 913 yards last season, while Woods is the league's most gifted receiver.
Central to USC's success this fall will be the contributions of eight players who enrolled last winter and the highly touted recruiting class that signed in February. Because of the need, a handful of freshmen may play significant roles for the Trojans in 2011.
2011 schedule
Sept. 3 Minnesota
Sept. 10 Utah
Sept. 17 Syracuse
Sept. 24 at Arizona State
Oct. 1 Arizona
Oct. 13 at California
Oct. 22 at Notre Dame
Oct. 29 Stanford
Nov. 5 at Colorado
Nov. 12 Washington
Nov. 19 at Oregon
Nov. 26 UCLA


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Does anyone have a different link to the service manual that Thunder posted on the first page? I tried to go there, but McAfee is reporting the site as having a bad reputation and will not allow me to continue. I'm at work, so I can't override.
where do we get the one you download for free?


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Celebrity Buzz
Your daily dose of hot news & gossip.
Posts filtered on Tag
Rosie Huntington-Whiteley blasts Jason Statham break-up rumor
British model and actress Rosie Huntington-Whiteley has dismissed reports suggesting she has split from boyfriend Jason Statham. The "Transformers: Dark of the Moon" beauty and the action star, who began dating in 2010, were said to have taken a break after a series of arguments. But speaking to the Metro at GQ's Men of the […] [Read More]
Rosie Huntington-Whiteley showed off her figure as she posed topless in a snap. NDN [Read More]


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Posted at: 11/18/2012 5:41 PM
By: KOB.com Staff
An Albuquerque district court judge was laid to rest Sunday.
The funeral was held for judge Bob Schwartz at the Congregation Albert Schwartz passed away Monday from pneumonia.
He was appointed as a judge in 2008.
He also served as the Bernalillo County District Attorney for two terms.


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Laker Leadership Programs
First Year Leadership Experience 10/7,14,21,28 and 11/4,11
October 7, 2014
Time: 6:30 p.m. - 8:30 p.m.
Location: Kirkhof Center: 2266 and 2263
More Information: gvsu.edu/leadership/first-year...
The First Year Leadership Exploration is a 6-week leadership emersion program designed to assist newer leaders in creating and enhancing their personal philosophy of leadership while developing basic leadership skills and learning about all of the leadership opportunities that the GVSU community has to offer. FYLE teaches leadership through interactive activities and discussion led by student leaders and GVSU staff.
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WASHINGTON -- Just one week old, June already is proving a cruel month for President Barack Obama and the Democrats — and it could get a lot worse.
The political blows from Tuesday's bitter loss in Wisconsin's gubernatorial recall and from last week's abysmal unemployment numbers, bad as they were, could multiply before the month is out.
The Supreme Court will pass judgment shortly on the president's signature legislative achievement — the 2010 law overhauling the nation's health care system — also will decide on his administration's challenge to Arizona's tough immigration law. If Chief Justice John Roberts and the court strike down all or part of the health care law, it could demoralize Democrats who invested more than a year — and quite a few political careers — to secure the bill's passage.
And in Arizona, aside from the big immigration case, the
Democrats are fighting to hold onto the House seat of Gabrielle Giffords, who resigned in January to focus on recovering from her gunshot wound. In Tuesday's special election, former Giffords aide Ron Barber is locked in a close race with Republican Jesse Kelly, who lost to her in 2010 by just 4,156 votes.
Facing an election-year summer fraught with political peril, the Democrats are struggling to revive supporters' spirits and counteract developments that could energize Republicans and solidify public opinion that the country is on the wrong track and in need of new leadership.
In a video pep talk to supporters this week, Obama campaign manager Jim Messina acknowledged the challenge. "We need to stay focused, work hard and ignore the ups and downs," he said.
Even before the votes were counted in Republican Gov. Scott Walker's win over Democrat Tom Barrett Tuesday night, there was hand-wringing and second-guessing among Democrats on Capitol Hill.
• The jobs numbers have them worried that they'll be running on a weak economy, with the White House — and them — getting the blame.
• Wisconsin's implications for the general election and for organized labor have some asking why Obama didn't get more involved than an 11th-hour tweet.
• The looming Supreme Court decision on the health care law has some Democrats insisting the White House and the party did a terrible job selling the overhaul to the American people.
In Wisconsin, millions of dollars spent on Walker's behalf trumped labor's get-out-the-vote effort in a swing state that suddenly moves up on the battleground list in the presidential race. Republicans also have set their sights on the seat of retiring Wisconsin Sen. Herb Kohl in a race that probably will pit Democratic Rep. Tammy Baldwin against the winner of the Aug. 14 GOP primary. Tommy Thompson, a former governor who was secretary of the Department of Health and Human Services under President George W. Bush, faces former Rep. Mark Neumann, state Assembly Speaker Jeff Fitzgerald and millionaire hedge fund manager Eric Hovde.
Eager to see a broad upside for the recall result, Republican presidential candidate Mitt Romney said voters in Wisconsin "recognize we just can't keep going down the same path that we're on. It ends up in calamity. … I'm convinced that the American people recognize, or they will by the time the election comes, that we've got a very stark choice, two very different paths."
There's no shortage of Democratic advice on how Obama should frame the message for voters in the next five months.
Hours before Walker's win, Rep. Alcee Hastings, D-Fla., said Obama should have gone to Wisconsin to help Barrett.
"I don't understand what he stood to lose in Wisconsin. I can't make that make sense," Hastings said in an interview. He wondered if Obama had been overly worried about alienating the "3 or 4 percent Republicans that may have voted for him the last time," and added, "Nobody, nobody knows what so-called independents are going to do." In 2008, Obama won the state, 56-42 percent.
On Wednesday, House Republicans emerging from their weekly closed-door meeting said the mood was clearly upbeat after the Wisconsin win and the task ahead will be keeping high political expectations in check.
Speaker John Boehner, R-Ohio, cast the message in economic terms and oft-repeated GOP arguments.
"The American people have had it with big government, high taxes and a regulatory system that knows no bounds, and they want elected officials to take control of the situation so the American job creators can go back to doing what they do best, creating jobs," Boehner told reporters.
The economy trumps all issues, and the worse-than-expected 69,000 jobs created in May and an uptick in the unemployment rate to 8.2 percent worry Democrats.
"That's a bad number so there's concern," said Rep. Peter Welch, D-Vt. "We can defend the Obama record. We've created jobs. The legacy of the Bush collapse is real. But what affects the mood, traditionally it's been the economy as perceived by voters about six months out. … All of us are obviously hoping for better job numbers."