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Every 3 years, the Federal Reserve undertakes a massive survey of nearly 5,000 US families. The interview process is comprehensive, covering all manners of financial information — and its intensive, taking between 80 minutes and 2 hours.
Its the Federal Reserve's Report on U.S. Family Finances, and it quantifies what most people already know: The average family is not making much economic progress:
"After growing rapidly during the boom of the 1990s, the net worth of the typical American family rose only 1.5% after inflation between 2001 and 2004, the Federal Reserve said in an update of a survey it does once every three years.
The Fed said the net worth of the median American family — the one smack in the statistical middle — was $93,100 in 2004. Net worth, the difference between a family's assets and liabilities, rose a robust 10.3% between 1998 and 2001 and 17.4% in the three-year interval before that.
A booming housing market boosted the typical American family's wealth between 2001 and 2004, but stagnant stock prices and rising debt offset many of those gains."
The Fed helps explain what many politicans have been unable to grasp: the disconnect between rosy economic headline data and real life experiences for most families.
The report also gives lie to much of the foolish spin we have heard from some politicians and from the economic charlatans — those people who know better (or at least should know better), but knowingly deceive the public in pursuit of their own political or economic agenda.
A few items pop out from the report:
• Rising debt has offset the boom in housing;
• Inflation continues to eat into family cash flow;
• Income remains stagnant;
• Savings has slipped to zero;
click for larger graphic
courtesy of WSJ
And, its no surprise that the gap between economic strata has widened. This is part of the ongoing squeeze on the middle class:
"The report, the most comprehensive survey of household wealth, also found a widening of the gap between households at the top and the bottom of the economic ladder. "While the typical American household basically ran in place, less affluent households actually lost ground," said Stephen Brobeck, executive director of the Consumer Federation of America.
The net worth of the typical family in the richest 10% rose to $831,600, a 6.5% increase from 2001, adjusted for inflation. In contrast, the net worth of the typical family in the bottom 25% fell 1.5% to $13,300.
Meanwhile, the typical family took on more debt. After declining for years, mortgage and other debt as a percentage of total family assets rose to 15% in 2004 from 12.1%, the Fed said. "The largest part of that increase was attributable to debt secured by real estate," the report said. "As debt rose over the period, families devoted more of their incomes to servicing their debts, despite a general decline in interest rates."
All of the above has been very visible in the economic data, if you ignore the headlines and dig into thge underlying data: Job creation, income, inflation, debt, savings rate, foreclosure and bankruptcy.
Which ever political group figures this is the primary basis for the disconnect between the so called official data and the self reported economic concerns — and responds to it — stands to do well in the next election . . .
Typical U.S. Family's Net Worth Edged Up Only 1.5% in '01-'04
WSJ, February 24, 2006; Page A4
Recent Changes in U.S. Family Finances:
Evidence from the 2001 and 2004 Survey of Consumer Finances
Brian K. Bucks, Arthur B. Kennickell, and Kevin B. Moore
Federal Reserve Board, Division of Research and Statistics
February 2006
Category: Consumer Spending, Data Analysis, Economy, Federal Reserve, Inflation, Psychology
Please use the comments to demonstrate your own ignorance, unfamiliarity with empirical data and lack of respect for scientific knowledge. Be sure to create straw men and argue against things I have neither said nor implied. If you could repeat previously discredited memes or steer the conversation into irrelevant, off topic discussions, it would be appreciated. Lastly, kindly forgo all civility in your discourse . . . you are, after all, anonymous.
32 Responses to "Fed: Stagnant Net Worth for Typical US Family"
Things aren't so good down here in the trenches.
Our congressional districts have been so gerrymandered and our neighborhoods so balkanized in their social structures that how we vote has little to do with the (predetermined?) political outcome. Just look at the percentage of congressional incumbents winning reelection.
Slightly off topic for which I apologize, but has anyone ever condisered the effect on the unemployemet rate by all the employees that are fired and then brought back as contractors, when they are laid off? They cant collect unemployment so are they counted as unemployed or self-employed?
I think we have been discussing this topic in many ways for the past months. Now relatively hard data to back it up. Sooner or later all markets adjust. Sooner or Later.
The perma-Bulls might find themselves saying: "Where did all that positive economic data go? But i have charts and statistics……"
I think if current trends continue as described in this piece the consumer will have no choice but to stop current spending levels.
When that happens lets see what rabbits get pulled out of what hats.
i've been saying, for nearly 3 years now, that the logical outcome of bush-league economics is stagflation lite. the evidence is all around us.
as with iraq, it's not something i'm happy about being right about.
Look on the bright side, stagnant incomes mean no inflation, right? Oil doesn't count after all. More tax cuts anyone?
you mean, net worth has declined in the days since NASDAQ 5000? Does this really surprise anyone? If this is surprising, how are you reading this blog?
and now, debt is higher, but, the article says this is mostly mortgage debt. The nexus between this rising debt and "people are in deep trouble" or "tapped out" isn't crystal celar. . .
finally, on the overall numbers, how do we ensure that there isn't a selection bias in the numbers? And how would we account for it? If immigration is high, and it is, shouldn't we expect the lower percentiles to lose ground?
a critical reader should require a little more information to make a good judgement about this. . .
I have a report (Mortgage Interest Reset from First Amercian Real Estate Solutions) that shows that 29% of mortgages originated in 2005 have no equity. If prices go down by 10%, 47.7% of these mortgages will have no equity. Since most homeowners have refinanced in the last few years you can see that these numbers are pretty dire.
Glad to see you address this. Frankly, your title should be:
"Stagnant Median Net Worth of Families Masks Growing Inequality: Rich Get Richer & Poor Fall Further Behind"
Maybe that sounds radical, but its also exactly what the Fed report says.
critical thought critically examines the report and demands another larger report. An investigation maybe.
Were there any Mexicans among those 5000 participants? [Were the standards the same as the pervious reports? Should they have been?]
In that upper eschelon, the top 1%, (here a mere 50) did some brag it up or hide or claim to be too busy to complete the 2 hr report? [Does the report catch the top 0.1%? the top 0.01%? Should it?]
I'd say this report coming from the Fed is going to under report the disparity in wealth. But I do have some concerns that the 'net worth' of the 2 previous periods was distorted by stock values that later plunged.
Overall, persuasive (only for the somewhat critical) confirmation that the economy is growing only for a very few.
Quick question — I couldn't find this anywhere — How is the fed defining 'Net Worth'? Surely it's not assets less ALL liabilities (such as real estate) because that would put nearly everybody in the US at a negative net worth.
calmo, remember that only roughly half of US households own stock, and the median level of ownership is somewhere in the mid 5 digits, so while admittedly there was probably some degree of "distortion," i suspect it was relatively modest for most households.
Steve, why do you think that? there aren't that many homeowners underwater….
I'm not saying their homes are underwater, but rather I know a lot of people in homes that they owe $200k-$400k on and they do not have nearly as much in assets. Suppose they have $100k in assets, then would their net worth be -$300k?
Is the fed making some of this data available somewhere? Like complete series of wealth / from stock / from house / other, a few distributions could be interesting to look at.
Thanks in advance,
steve, i'm still not following: if your home is not underwater, then your net worth within that home is the current market value minus the mortgage outstanding (i.e., you owe $200K but the house is worth $250K, hence your equity value in the house is $50K).
so someone who had another $100K in assets free and clear would have a net worth of $150K in that example.
does that help?
Laurent, go here:
if you click through on the 2004 link, you'll see that the detailed data will be posted on march 3. if you look at a previous version, you'll see that there's a tremendous amount of detailed data made available.
you can also take a look here to get a lot of interesting material from the census bureau regarding household net worth as of 2000. the fed study is more detailed, but, of course, merely a survey set, whereas the census bureau material is based on…the census!
Howard, in that previous period, the study would have captured the stock market near its apex. Not only a fair chunk of the hoi polloi jumped onto that band wagon but many respectable looking pensions decided that they, too, needed something less conservative.
If the snap shot is taken only a year later, the previous period would not have that robust stock component.
Likewise the current net worth includes real estate values that may turn south, (unlike the mortgages on them).
Small quibbles really. Tom Bozzo at Marginal has some more detailed numbers, but I still think it gives us no picture of the ~$100M+ segment. I refuse to believe that everyone is not doing as well –I am such a crank.
Taxes: Fed; Stagnant Net Worth for Typical Family
This site, along with many others includes discussion on public school finance. Public education money is currently generated from local property taxes, fees and redistributed state and federal funds (via income, energy and other taxes. Barry Ritholtz …
howard, many thanks for the pointers!
Thanks Howard. I was missing the market value of the home part of the equation. I was just taking the liabilities part of it.
Does anyone know if the Fed takes into account savings in 401K, IRA's and college funds? Also when calculating credit card debt do they use the total debt available or what is actually serviced?
Thre reason I ask is I read in the past an analysis from one of the investment houses who proposed it is not as bad as described for the median american household if retirement and college accounts are taken into account and acounting for credit card debt that is actually serviced.
Thanks in advance.
Taxes; Fed: Stagnant Net Worth for Typical Family
This site, along with many others includes discussion on public school finance. Public education money is currently generated from local property taxes, fees and redistributed state and federal funds (via income, energy and other taxes. Barry Ritholtz …
Net worth: I would imagine that the Fed calculates net worth in accordance with the way that net worth is defined. Quite simply, net worth is the difference of your total assets (at market value–which would include the net present value of any annuitized assets) less liabilities–actual liabilities, not potential liabilities such as the unused line of credit. Accordingly, your home and investments would be at current market value and your net worth is subject of the vagaries of the residential and equity markets. If you were receiving a 20 year annuity payment, you would compute the NPV using the stated or calculated interest rate to discount to NPV. Mortgage debt is based on the current loan balance, not the face value. Unused lines of credit are NOT counted, but naturally lending/credit institutions look at them for the potential debt load you can incur. I personally feel that the real estate muddle of interest only loans at 100% of market value are going to send a few institutions south should there be a recession. I would avoid any investment highly levered to mortage lending, mortage assets. If the real estate market makes a hard landing coupled with a recession, I suspect that we will see an astronomical rate of foreclosures. There is no room for even the smallest margin of earning error for tapped out homeowners.
kmr, basically, yes, they do take all of this into account. i'll have to root around for a recent study (i should have bookmarked it) about stock ownership and american households (it's where i got the numbers i mentioned to calmo at 7:31), but basically, when i say that half of american households own stock, that's including retirement accounts, college accounts, and all other forms of stock ownership. iirc, something like 1/3 of those 50% only own stock (or mutual funds) via retirement accounts.
there are, of course, multiple complexities: for example, some people argue that because of things like mileage-reward credit cards, we are seeing an overstatement of credit-card debt, and what matters is the debt people roll over on their credit cards, not the "inflated" amount that is paid off when due. i actually have a link to a study a hedge-fund analyst friend sent me on this, but it's in my office computer, not the home computer from which i'm typing this. i'll try to get back to you on it later this weekend. it's basic point was that if you make an adjustment, instead of monthly minimum payments on credit card debt being at an all-time high, it's only nearly an all-time high, which some people regard as a positive for reasons beyond me.
calmo, i don't know that we're disagreeing: i can't actually tell! all i'm saying is that regardless of the point when you take the snapshot, the vast majorities don't own enough equities in general for NASDAQ bubbles to have made much difference.
more broadly, sure: any snapshot is subject to the vicissitudes of the moment in time (i need to double-check, btw, since it's been a few months since i looked at the 2001 study, as to whether the fed's work is only a "moment" in time or many moments in time, adjusted in some fashion). Still, this particular study is regarded as the most detailed household study there is, and so, with the proper grains of salt, is highly useful.
laurent, steve: you're welcome.
In Reno, there were 1800 new listings in Jan 06. There were already 3300 new listings. Only 500 houses sold in Jan 06 in Reno. I would say that there is a major economic distress about to happen here. I see many more houses going on the market this year as Bernanke continues to raise rates to clip inflation and these interest only and arm loans become adjusted. This may be a long process, but in Reno, you price your house LESS than your neighbors if you even want a chance at selling.
Net Worth: For Average American Families, It's Stagnant
In the last five years, the tax relief you passed has left $880 billion in the hands of American workers, investors, small businesses, and families — and they have used it to help produce more than four years of uninterrupted
Net Worth: For Average American Family, It's Stagnant
In the last five years, the tax relief you passed has left $880 billion in the hands of American workers, investors, small businesses, and families — and they have used it to help produce more than four years of uninterrupted
Hey Larry,
Your anger management class called and wondered why you weren't there last week.
A. Inch
net worth for individuals should exclude house value and corresponding mortgage debt. that would leave all liquid assets such as checking, savings, stocks and money market accounts measured against loans and charge account debt as well as all other persaonal debts. we all have to live somewhere so house values vs, mortgage debt is illusory.
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post cod is 8198917658
Average Income of Americans Compared to Presidential Candidates
Perhaps only one word can be used to describe all of the leading presidential contenders: multimillionaire.
Rudy Giuliani – 40 Million Dollars
Mitt Romney – 100 Million Dollars*
Hillary Clinton – 51 Million Dollars
John McCain – 35 Million Dollar…


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Outreach, Communications and Consulting - August 2010
Stan North Martin – Outreach, Communications and Consulting
Throughout July, new students flocked to campus, many with parents in tow, for New Student Orientation. A big percentage of Outreach, Communications and Consulting (OCC) staff, as well as staff from many other OIT units, has been getting the word out about campus IT offerings, computer security, recommendations for new and used computers, cable TV and phone service and lots more. Over the course of the 17 sessions for freshmen and two transfer sessions, staff spoke with thousands of students and parents during welcome receptions, information fairs and sessions with both students and parents.
Earlier in the summer, staff put together another outstanding edition of the Computing@NC State newsletter that all new students and their parents receive. Also, by the time you read this, the OIT Student Services Calendar should be off the presses and into our hands. The calendar provides students living in University Housing and beyond with 12 months worth of information about the services OIT offers, how to get help, how to play it safe with their computer, as well as a listing of many useful campus events. Copies of the calendar and Computing@ NC State are provided in the residence halls. Extras are also available in the Walk-in Center, Hillsborough Building and Avent Ferry Technology Center.
One of the newest features for residents this fall will be the IPTV pilot. Students who sign up for cable television service can now watch more than 25 channels of content via their computers. OCC staff have been collaborating with staff in Communication Technologies (ComTech) and Enterprise Application Services (EAS) to get the pilot rolled out. This service is being evaluated as the replacement for the campus' aging coaxial cable TV plan.
While OCC has been involved with lots of other activities this summer, another big one has been students' transition to Google Apps. After a successful beta launch last spring, with more than 8,000 students converting their accounts to Google Apps Education Edition, another 30,000 accounts were migrated over the course of a few weeks this summer. While not without bumps, the reception so far has been overwhelmingly positive. The transition would have been impossible without the incredible efforts of so many people within OIT—and a number of our campus partners as well. A huge thanks to each person who has had a hand in the process.

subset: commoncrawl


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Lawmakers drafting a Vikings stadium bill say they're leaning toward using revenue from electronic pulltabs to pay for the state portion of the project.
"We are absolutely looking toward that direction," Sen. Julie Rosen, R-Fairmont, said after a two-hour meeting Thursday night of the legislative working group that's been trying to put together the legislation. "There was a very favorable response to charitable gaming," she said.
The consensus is that the other leading funding contender - installing slot machines at horse-racing tracks - wouldn't be able to get enough support as part of a stadium package, Rosen said.
Group members still had questions about e-pulltabs, Rosen said, and another meeting is scheduled for next week to try to get answers, but it's clearly the odds-on favorite.


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Supporters of the indigenous people who have been occupying the old Indian Museum are grabbed by riot police as they blocked the road outside the museum in Rio de Janeiro, Friday, March 22, 2013. The clash Friday is a bid to expel the group, some of whom have been squatting in the crumbling complex for years. The Indian museum has been at the center of a drawn-out legal battle between the several dozen Indians who've been living there for years and state and local authorities. Officials initiall


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Ms. Maddox says she is tired of seeing good cops and innocent citizens die because we insist on continuing the same prohibition policies. "Our failed drug policies are nothing more than a killing field, battering communities, pillaging minority families and subjecting generations of Americans to poverty, violence and a depth of hopelessness from which not even the strongest child can emerge without scars that serve as lifetime haunts."
Leigh believes we have to stop focusing on "the war" on drugs and instead advocate for a new approach of treating substance abuse as a health problem, creating politically and socially definitive actions for a post-prohibition world.
Leigh now serves as a Visiting Assistant Professor at the University of Maryland School of Law and is cross designated as a Special Assistant State's Attorney for Baltimore City. She received her BS from John Hopkins University and her JD from the University of Maryland, School of Law.
The mention of the Office of the State's Attorney for Baltimore City solely
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text: The venue is a working artist's studio dealing with digital illustration, traditional oil painting and drawing. Paul Zdepski is a working illustrator and college professor in the arts, and is willing to answer questions about the business of illustration, painting and design. Review his website for a taste of his work and style. Appointments are necessary due to the limited space and scheduling criteria. Please call for an appointment.


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|Quantitative analysis of multi-slice Gd-DTPA enhanced dynamic MR images using an automated simplex minimization procedure.
MedLine Citation:
|PMID: 7808266 Owner: NLM Status: MEDLINE
|Quantitative analysis of Gd-DTPA enhanced dynamic MR images has potential for discriminating lesions, especially because the introduction of clinical fast imaging techniques has enabled good sampling of the relatively rapid Gd-DTPA wash-in curves. Analysis of such data requires curve fitting to a nonlinear model, which to date has been performed using a nonlinear least squares (NLLS) fitting procedure. However, this method often fails to converge to the appropriate minima without good initial parameter estimates when multi-exponential models are involved, making automated analysis of complete multislice or volume data sets problematic. In this report we demonstrate the robust performance of a simplex minimization procedure compared with NLLS, by the method of Marquardt, using a Monte Carlo simulation. Further, we illustrate the applicability of such a technique to the analysis of dynamic contrast enhanced images on a pixel-by-pixel basis. As a preliminary example, the technique is applied to a breast lesion but is expected to be suitable for examination of many lesion types.
|D L Buckley; R W Kerslake; S J Blackband; A Horsman
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Publication Detail:
|Type: Comparative Study; Journal Article; Research Support, Non-U.S. Gov't
Journal Detail:
|Title: Magnetic resonance in medicine : official journal of the Society of Magnetic Resonance in Medicine / Society of Magnetic Resonance in Medicine Volume: 32 ISSN: 0740-3194 ISO Abbreviation: Magn Reson Med Publication Date: 1994 Nov
Date Detail:
|Created Date: 1995-02-02 Completed Date: 1995-02-02 Revised Date: 2006-11-15
Medline Journal Info:
|Nlm Unique ID: 8505245 Medline TA: Magn Reson Med Country: UNITED STATES
Other Details:
|Languages: eng Pagination: 646-51 Citation Subset: IM
|Centre for MR Investigations, Hull Royal Infirmary, United Kingdom.
Export Citation:
|APA/MLA Format Download EndNote Download BibTex
|MeSH Terms
Breast Neoplasms / pathology
Carcinoma, Ductal, Breast / pathology
Computer Simulation
Contrast Media*
Gadolinium / diagnostic use*
Gadolinium DTPA
Image Enhancement / methods*
Image Processing, Computer-Assisted / methods*
Magnetic Resonance Imaging / instrumentation, methods*
Models, Theoretical*
Monte Carlo Method
Neoplasm Invasiveness
Organometallic Compounds / diagnostic use*
Pentetic Acid / analogs & derivatives*, diagnostic use
Signal Processing, Computer-Assisted
Reg. No./Substance:
|0/Contrast Media; 0/Organometallic Compounds; 67-43-6/Pentetic Acid; 7440-54-2/Gadolinium; 80529-93-7/Gadolinium DTPA
Erratum In:
|Magn Reson Med 1995 Feb;33(2):282
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Domestic worker gets life for killing bossComment on this story
Pretoria - "You are a greedy, heartless and cruel woman." These were the words of a Pretoria High Court judge as she gave the domestic worker who was involved in the brutal killing of Brooklyn resident Susan Vermaak in her Clark Street home a severe tongue lashing, which lasted nearly an hour, before she sentenced her to life imprisonment.
Don Mashadi Maloka, who worked for the Vermaaks for about a month before she and a group of her son's friends stabbed and suffocated Vermaak to death, loudly shouted out in shock as Judge Lettie Malopa told her she was being jailed for life.
Maloka covered her face with her hands as she was told she would have to serve a further 15 years for robbery, of which the judge ordered eight should run concurrently with her life sentence.
Her son Samuel Maloka, who was convicted earlier of conspiracy to rob the Vermaaks, was sentenced to an effective five years' imprisonment. Family members of the Malokas cried bitterly as mother and son were led down to the holding cells to start serving their sentences.
Henry Vermaak, widower of Susan, said he was satisfied with the sentence, but according to him this was only round one. He said he would now try to ensure that the police also arrested (at least) two other youths who were involved in the murder, but who weren't caught.
Asked whether this chapter would at least bring him some closure, Vermaak said he doubted that anyone could get closure after something like this. He and his wife were due to celebrate their 38th wedding anniversary at the time of her murder.
The 64-year-old former ballet teacher and estate agent was overpowered in her home on December 18, 2006, as she returned from the gym. Her attackers pulled a plastic bag over her head after stabbing her in the heart. She was tied up and left in a room in the house.
Vermaak's body was later discovered by her husband when he returned from work that afternoon.
He also discovered Maloka in the study. She was "loosely" tied up. She claimed both she and Vermaak had fallen prey to house robbers.
Vermaak's husband testified earlier that she was a stylish woman who had jewellery custom-made for her. Some of this jewellery, taken from the house, was later discovered by the police in the possession of a family member of Maloka's boyfriend. She said Maloka gave it to her as a Christmas gift.
It was also discovered that a large amount of money, as well as other items, were taken from the house.
Maloka was the girlfriend of the Vermaaks' handyman, Abraham Mphela, who had worked for them for 13 years. He got her the job as a domestic worker for the Vermaaks.
Mphela testified earlier that Maloka's son told him his mother asked him to recruit two of her friends to rob the Vermaaks - which he did. Things, however, went wrong and she was killed during the robbery.
It also emerged after her conviction that Maloka was no stranger to murder or clashing with the law. When she started to work for the Vermaaks, and unbeknown to them, she had served a stint in jail for a previous murder. She also had four other convictions, including assault and housebreaking, to her name.
In testifying in mitigation of sentence, Maloka begged for mercy and said she wanted to apologise to the court and the Vermaaks for what she had done. As she denied killing Vermaak, the State asked her what she had to apologise for. Maloka said it was because "she was present" when Vermaak was killed.
The judge said Maloka plotted with the accomplices to rob her employer.
"You were in a position of trust. She gave you the freedom of her house and what did you do? You went there with co-perpetrators to rob and kill her - a woman who was a mother and a wife.
"You left the family distressed… her husband and son could not cope for two years after that.
"They suffered because of your deeds."
The judge also scolded her for being a bad mother to her son, by involving him. She, however, told Samuel Maloka that he could have said no to his mother.
Pretoria News
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Eastside Fire & Rescue proposes 2.6 percent budget increase
September 27, 2011
Wage and health insurance costs are the prime drivers of a proposed 2.6 percent increase in Eastside Fire & Rescue's proposed 2012 budget. Some board members, however, said they wonder if parts of the projected budget may be off.
EFR's board got its first look at the $21.5 million spending plan Sept. 19. The budget is about $546,000 more than last year.
Born on Sept. 11, 2001
September 20, 2011
History is intertwined for Issaquah girl and 9/11 attacks
Larisa Tutkur and a tragedy share a moment in history — Sept. 11, 2001, was Larisa's birthday.
The bright and outgoing girl learned about the connection after she turned 6, and her parents explained the catastrophe.
"When I first found out, we did talk about it," she said. "Then, after a few years, we just looked at it as my birthday and nothing else. We didn't want to talk about it because it's a really, really sad day."
Larisa is among the 13,238 babies born in the United States on Sept. 11, 2001, and the only such child in the almost 17,000-student Issaquah School District.
The fourth-grader at Sunset Elementary School turned 10 on a day many people spent reflecting on a tragedy from a decade ago.
Larisa's parents, Maida and Omer Tutkur, resettled in Washington from war-torn Bosnia and Herzegovina months before the 9/11 attacks.
Maida Tutkur, then six months pregnant, landed in the United States on June 28, 2001, not long after her husband settled on the Eastside.
Woman robbed, stabbed in Issaquah Highlands
August 9, 2011
Police said a man stabbed and robbed a 36-year-old woman early Aug. 8 in a typically quiet apartment complex in the Issaquah Highlands.
The incident occurred at about 12:15 a.m. in the 1700 block of 16th Lane Northeast in a parking lot at The Highlands at Wynhaven, a complex next to Grand Ridge Elementary School.
The woman said a man approached her as she returned to the apartment after parking her car. Investigators said he then punched and stabbed her, stole her purse and fled.
The woman described her attacker as a stocky white or Hispanic man dressed in dark clothing and a dark-colored baseball-type cap. She last saw him running east as he fled.
Birth: Isabella Carmel Edwins
August 9, 2011
Tyler and Angelina Edwins welcomed daughter Isabella Carmel to their Snoqualmie home June 22, 2011.
She was born at Overlake Hospital Medical Center, in Bellevue, weighing 9 pounds, 1 ounce and measuring 21 inches.
She joins brother Brody, 3.
Grandparents are Steve and Melinda Sanelli, of Issaquah; Debbie Edwins, of Sammamish; and Tom Edwins, of Redmond.
Great-grand parents are Floyd and Carmel Sanelli, of Bellevue; George Miller, of Kirkland; and Richard Smith, of Snoqualmie Pass.
Angelina is a 2000 graduate of Issaquah High school. She is a substitute teacher for the Issaquah School District.
Tyler is a 1999 graduate of Skyline High School. He is a drafter for Collons & Smith Structural Engineers, in Issaquah.
Truck rollover snarls Interstate 90 traffic through Issaquah
August 9, 2011
Emergency crews converged on westbound Interstate 90 between Front Street and state Route 900 just after 8 a.m. Aug. 5 after a tractor-trailer toppled across three lanes, snarling the morning commute.
The tractor-trailer was heading westbound in the center lane when the driver attempted to make a lane change to the right, Washington State Patrol Trooper Julie Startup said. In the process, the truck bumped into a car in the adjacent lane.
The truck driver, realizing the rig had bumped the car, attempted to correct to avoid a more serious collision, but lost control and ended up in a brush-filled ditch on the left road shoulder.
Then, as the truck driver attempted to pull out of the ditch, the rig flipped and landed on its side, blocking most of the westbound interstate.
Medics transported the driver of the car, a 29-year-old Sumner man, to Overlake Hospital Medical Center in Bellevue for treatment of minor injuries. The truck driver, a 30-year-old Auburn man, escaped uninjured.
The state patrol's commercial vehicle inspectors plan to inspect the tractor-trailer as a standard part of the investigation. Startup said the tractor-trailer driver is unlikely to face charges in the incident.
Crews managed to right the toppled rig after 8:30 a.m. and reopened lanes to traffic at about 9:15 a.m. Traffic backed up for two and a half miles as state troopers closed the lanes to investigate and clean up. Startup said the toppled truck had been hauling hay.
"Luckily, the hay stayed inside the vehicle today," she added. "That could be a mess. But hay is much easier to clean up than a load of marbles."
Truck rollover snarls Interstate 90 traffic through Issaquah
August 5, 2011
UPDATED — 9:20 a.m. Aug. 5, 2011
Emergency crews converged on westbound Interstate 90 between Front Street and state Route 900 just after 8 a.m. Friday after a tractor-trailer rolled over, snarling the morning commute.
State troopers closed three lanes to traffic due to the crash. Traffic backed up for more than two miles.
Crews managed to right the toppled rig after 8:30 a.m. and reopened lanes to traffic at about 9:15 a.m.
The tractor-trailer had been heading westbound in the center lane when the driver attempted to make a lane change to the right, Washington State Patrol Trooper Julie Startup said. In the process, the truck made contact with a car in the adjacent lane.
Issaquah girl, 9, is in critical condition after 14-vehicle pileup
July 20, 2011
NEW — 4:45 p.m. July 20, 2011
The 14-vehicle pileup along westbound Interstate 90 in Bellevue on Wednesday morning involved six Issaquah residents, including a 9-year-old girl sent to Harborview Medical Center in critical condition.
Just before 8 a.m., as traffic slowed due to congestion near the Interstate 405 interchange at 133rd Avenue Southeast, a tractor-trailer jackknifed into a loaded logging truck in the adjacent lane.
"For whatever reason, whether the semi truck was going too fast, wasn't paying attention or a combination of the two, for the conditions, he didn't seem to see that traffic had stopped until the last second," said Sgt. Keith Trowbridge, a Washington State Patrol spokesman. "At that point, he tried to put the brakes on, but he jackknifed and went into the log truck."
The impact dislodged the rear axle of the logging truck.
Swedish emergency room services to relocate July 14
July 12, 2011
Swedish Medical Center administrators and physicians plan to transfer emergency room services from the standalone facility near Lake Sammamish to Swedish/Issaquah early July 14.
The relocation is poised to unfold in a careful choreography as the initial phase of the hospital opens to patients. Dispatchers plan to direct ambulances to the hospital ER in the Issaquah Highlands starting at midnight.
"We're doing this transition in the middle of the night because that is our lull point. Typically, the lowest census in any emergency department is that kind of 3-4 a.m. range," said Dr. John Milne, a Swedish emergency physician and Issaquah resident. "Most sane people are asleep."
The portion of the hospital for inpatients does not come online until November.
Jeff Griffin, Eastside Fire & Rescue deputy chief of operations, said agency administrators continue to update ambulance crews about the change. EFR emergency crews also toured the Swedish/Issaquah ER to prepare for the transition.
Overlake hosts local cancer-prevention event
June 14, 2011
One hundred and fifty people attended the Learn and Live Well Cancer Prevention Event presented by Overlake Hospital Medical Center on June 11 at Eastridge Church in Issaquah.
Participants visited booths and listened to presentations about reducing stress, making exercise easy, and helping prevent cancer and other chronic diseases.
Pam Rock, director of Overlake's Cancer Center, said the hospital has a real commitment to providing education events to the public.
"Our hope for this event is to increase awareness of choices people can make to reduce their chances of cancer," she said.
Saddle up for Issaquah bike safety fair Saturday
June 8, 2011
NEW — 4 p.m. June 8, 2011
Learn the importance of safe riding Saturday and Sunday as The Optimist Club of Issaquah & the Eastside hosts free bike safety fairs in Issaquah and Bellevue.
In Issaquah, the fair is noon to 3 p.m. Saturday at Issaquah Valley Elementary School, 555 N.W. Holly St. in Issaquah. In Bellevue, the event is noon to 3 p.m. Sunday at Newport Heights Elementary School, 5225 119th Ave. S.E. Call 829-7864 to learn more.
The attractions — geared for children in kindergarten to fifth-grade — include obstacle courses and free bike helmets. For the obstacle course, children who bring bikes can participate and receive free bike tune-ups. Other attractions include bike registrations and face painting, plus adult resources on health, safety, education and recreation.


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November 29, 2015
Charges have been dropped in a Harlan County rape case.
It happened last July in Gray's Knob.
The Commonwealth's Attorney tells us the DNA evidence did not support the charges against Marcos Lopez.
He will now be turned over to immigration and customs enforcement.
Gustavo Salinas, who is also charged in the case, missed a court appearance earlier this week and there is now a warrant out for his arrest.
A third suspect was indicted last week.
At first, Ismael Lopez was thought to be a minor but they have since found that he is over 18.
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CÁRDENAS, JUSTO (?–?). Justo Cárdenas, journalist, fled from Monterrey, Nuevo León, to Laredo, Texas, after federal authorities proclaimed a state of emergency in Nuevo León. In 1886 he established the Imprenta y Casa Editorial de Justo Cárdenas in Laredo. There he founded two Spanish-language newspapers, El Correo de Laredo (1891–97) and El Demócrata Fronterizo (1900–19). Through them he defended the interests of Mexicans in Texas and criticized the abuses of Mexican president Porfirio Díaz. Though it was generally pro-worker, El Demócrata Fronterizo strongly criticized Mexican workers in Laredo's Federal Labor Union No. 11,953 when it decided to go on strike against the Mexican National Railway in 1906–07. Cárdenas was named an honorary member of the Primer Congreso Mexicanista, held in Laredo, Texas, in September 1911. The Primer Congreso was organized by Nicasio and Clemente Idar,qqv editors of La Crónica, in response to several incidents of racial violence against Mexicans in Texas.
Elliott Young, "Deconstructing La Raza: Identifying the Gente Decente of Laredo, 1904–1911," Southwestern Historical Quarterly 98 (October 1994). Emilio Zamora, The World of the Mexican Worker in Texas (College Station: Texas A&M University Press, 1993).
The following, adapted from the Chicago Manual of Style, 15th edition, is the preferred citation for this article.Elliott Young, "CARDENAS, JUSTO," Handbook of Texas Online (http://www.tshaonline.org/handbook/online/articles/fcahe), accessed November 27, 2015. Uploaded on June 12, 2010. Published by the Texas State Historical Association.
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Monday was a very busy news day. Major developments included Hurricane Wilma, Baghdad explosions, and the appointment of the first new Federal Reserve Chairman in nearly 20 years. A reputable news program could lead with any of these stories. But then there's the Hour of Spin. No way does Olby consider these insignificant matters worthy enough for the coveted opening segment, not when he can talk about The Great Leak Case!
And talk about it he does. Keith tries his best:
Is there any news, even scraps?
The Post's Jim VandeHei tries to let Olby down gently:
I'd like to say there is, but there really isn't.
So what if there's no news? KO can still spend the first ten minutes of the program talking about the fact that there's no news, and wondering if there will be news tomorrow. The key to propaganda is repetition, even where there is nothing to repeat.
For the second time in as many weeks, Olby shocks his audience by interviewing a Republican (Terry Holt). He brings up (for the third time, and we're still only in the first segment!) Sen Kay Bailey Hutchinson, who offended Keith by suggesting that an indictment for lying wouldn't be as serious as an indictment on the underlying crime.
Oh, and the appointment of Mr Bernacke to the Fed? KO disposed of it with a few sentences at the end of the segment, noting it was "another case of Mr Bush promoting from within".
#4 was the Baghdad bombing, handled with a recycled NBC report. Keith failed to note that this was another trick by Karl Rove to distract from the fact that there was no news about The Great Leak Case. #3 was the hurricane, #2 something about a CEO who spent a lot of money at a strip club, #1 baseball.
And then the "worst persons in the world". Who would KO bash tonight? Republicans? Conservatives? Fox News employees? How about all three? Yes, it's an Olby trifecta! Second runner-up: the Department of Homeland Security. First runner-up: Ann Coulter. Hmm, that leaves only some Fox news employee for the top spot. Now who exactly might that be?
Olby quotes Bill O'Reilly as saying:
Now in the Great Depression, every American got spanked. And those Americans went to war during World War II and won the very intense conflict and showed bravery across the board, the Greatest Generation. The Greatest Generation, almost down to the man, was spanked, 'cause that's the way we did it in America. OK?
Olby picks up the spin from the George Soros website that highlighted this statement, ripping away the context and putting his own (actually George's) frame on it:
The Big Giant Head again, explaining to his radio audience that we won the Second World War because of spanking.... He's about four minutes away from being committed.
It turns out that O'Reilly was talking about corporal punishment. His point (not unreasonable) was that kids got spanked in the 1920s and 30s, yet they grew up to be The Greatest Generation and won World War II. So it's wrong to suggest that corporal punishment, done responsibly, causes some sort of psyche-warping trauma. This becomes clear with O'Reilly's very next sentence, which Olby conveniently omitted:
So I'm not believing all these sociologists, these fruitcakes, who run around going, you know, you look at a kid cross-eyed, he's going to grow up to be a heroin addict. I'm not buying that.
Bill O'Reilly did not say "we won World War II because of spanking". Selectively editing his comment makes it look that way, but such dishonest propaganda tricks are merely an elegant way to lie. And that is the evil of Olbermann--loathsome villainy is disguised with a facade of faux sophistication. He isn't even truthful about himself.
Actually, it was pretty shocking of Sen. Hutchinson to suggest that lying under oath isn't important. Remember when we use to hear "everybody lies about sex" back in the Clinton days and "it's not a big deal to lie under oath in a civil suit".
Ah...the old days...when you could lie under oath, tamper with folks mere days before they testified before a grand jury (Betty Currie, Sidney Blumenthal) and it was no big deal because it was "just about sex".
Nowadays, telling Matt Cooper "I heard that too" is enough to put you in "serious legal jeopardy" by a "thorough" prosecutor (as opposed to the prosecutor who reminded Olbermann of Heinrich Himmler.)
BTW: Are there any Nazi war criminals with "big giant heads" for Bill O'Reilly to remind Olbermann of?
This post is now closed.


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- Filed Under
The Senate this past week passed legislation that would allow state lawmakers who go through the same training as police officers to carry guns in most places.
But the bill by Sen. Bret Allain, R-Franklin, explicitly excludes schools, college campuses and the State Capitol.
Ministers who are displeased with the amount of interest the poorest of their congregations have to pay for taking out payday loans, armed themselves with powerful weapons to go inside the Capitol and confront the same senators and their colleagues in the House.
Their weapons? Bibles.
Each issue of the 144 copies of the King James Version had a sticker on it with the name of the targeted legislator.
"We took notice that some legislators wanted to make the Bible the state book," said the Rev. Lee T. Wesley of Baton Rouge. While the ministers take no position on that legislation, "if legislators want to give the Bible special standing, they should start off by reading it."
The ministers and members of Together Louisiana tracked down lawmakers to deliver the Bibles
Tucked inside each book was a sheet of passages from the Old and New Testament citing scriptures that warn of the evils of usury and charging interest on loans to the poor.
There's Exodus 22:25, which in the King James Version reads "If thou lend money to any of my people that is poor by thee, thou shalt not be to him as an usurer, neither shalt thou lay upon him usury."
Another translation of the same scripture reads "If you lend money to one of my people among you who is needy, do not treat it like a business deal; charge no interest."
It's doubtful that even the ministers or legislators who want to clamp down on payday loan operations would go that far. They just want to reduce the likelihood that their constituents would remain in debt to payday lenders for the rest of their lives.
It's interesting that while the ministers distributed the King James Version, when they cited scripture it was written in a much friendlier, more modern tongue.
For example, the Rev. Ed Chiffriller of St. Francis Xavier Catholic Church in Baton Rouge, read a much easier to understand translation from Chapter 5 of Nehemiah in which Israelites were complaining that they were losing their land and having to sell their children into slavery because lenders were charging such high interest rates.
"I heard them when they cried out. And I burned with anger when I heard what they were saying. I thought it over for a while. Then I brought charges against the nobles and officials. I told them, 'You are forcing your own people to pay too much interest!' And I called together a large group of people to handle the matter." (Nehemiah 5:6-7)
"We are here today because we are at a Nehemiah moment in our community," he said. "Our sons and daughters also are facing the injustice of oppressive lending."
It's hard to tell if the moral attack on the Capitol will have any lasting effect. A Senate committee did pass a bill limiting to 10 the number of payday loans a borrower could secure in one year.
Larry Murray, one of many lobbyists hired by the payday loan industry, said the lenders provide valuable services to communities. He cited an example that a borrower who didn't pay the $55 fee to take out a payday loan to pay a credit card bill could end up paying $5,000 in interest and fees because he didn't pay the bill on time.


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About the Authors
Fran Ferder, FSPA, PhD, DMin, and John Heagle,
MA, JCL, LMHC, are the co-directors of Therapy & Renewal Associates
(TARA), a counseling and renewal center in Seattle, WA. They also
serve as adjunct faculty in the School of Theology and Ministry
at Seattle University, an ecumenical graduate program that prepares
women and men for professional ministry. They are internationally
recognized leaders of workshops and conferences, authors of several
articles, tapes, and books on spirituality, ministry, and human
relationships, including Your Sexual Self: Pathway to Authentic
Intimacy (Ave Maria, 1992) and their most recent book, Tender Fires:
The Spiritual Promise of Sexuality (Crossroad, 2002).
Fran and John co-founded Therapy & Renewal Associates in 1985
at the invitation of Archbishop Raymond Hunthausen. TARA is dedicated
to the support and healing of individual and families in an ecumenical,
holistic setting that respects personal faith and spirituality.


text:
- KNIA / KRLS - http://kniakrls.com -
City Council Approves Contractor For Section 42 Housing Project
Posted By News On November 9, 2013 @ 6:26 am In Today's Local News | Comments Disabled
At this week's Knoxville City Council meeting, after hearing three proposals from three different firms, the council voted to approve contractor Jim Bergman, to allow his firm to apply for a section 42 housing development project proposed for Knoxville. City Manager Harold Stewart tells KNIA KRLS News that the possible areas for development are off Willett's Drive, near the VA campus, or behind Walmart. He says Bergman is working to acquire one of the properties currently, and Stewart expects to know more within a week or two.
Article printed from KNIA / KRLS: http://kniakrls.com
URL to article: http://kniakrls.com/2013/11/city-council-approves-contractor-for-section-42-housing-project/
Click here to print.
Copyright © 2009 KNIA/KRLS. All rights reserved.


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December 1, 2015
MIAMI (April 13, 2014) As hundreds of thousands of diabetics begin to use health coverage obtained under the Affordable Care Act, insurance companies are aggressively targeting this glut of new patients because they're expensive to treat and often lax about taking medications and following their diets.
Insurers are calling diabetics when they don't pick up prescriptions or miss appointments, arranging transportation to get them to the doctor's office, and some are even sending nurses on house calls.
It's all part of an effort to avoid costly complications that will have a big impact on the insurance companies' bottom lines.
The Affordable Care Act no longer allows insurance companies to refuse those with pre-existing conditions, making early intervention even more critical if insurers want to rein in costs.
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Atlas Executive Search is the leader in recruiting
Executive Recruiting
Atlas Executive Search, places permanent candidates both locally and on a national level. We serve new and existing clients, focusing on assisting hiring managers and directors in recruiting, staffing and retaining quality employees. We truly understand and appreciate the challenge of identifying and hiring high caliber, qualified candidates.
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Atlas Staffing is an employee centric, philosophically driven organization with a service driven model that focuses on adding value to the customer while respecting the dignity and worth of every staffing associate. Our innovative solutions bring a balanced, inventive approach to the customer, staffing vendor and staffing associate relationship. Support when you need it.
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Bernard G Mills
Bernard G Mills
Pompidou Centre, Paris. November 2005. From the series: Looking Up. Archival Inkjet print 60 x 40 cm.
Bernard G Mills is an independent fine art photographer.
This website is a portfolio of current work which includes several ongoing series of photographs and an archive of
photographs taken since the 1960s.
Alongside my own long term projects, I also produce work for other people and photograph the work of other artists
and musicians.
Photographs for artists, designers, exhibitions, galleries, publications and catalogues
Photographs of apparently obsolete technological devices 2006—
The view vertical 2008—
Distressed graphics and markings on the vertical plane 1996—
Photographs made in art galleries and at art events 2007—
Portrayal by shelf contents 2000—
Figurative, situational and representative 1965—
Photographs taken in European cities 1995—
APEC's responses to the cinematic. 2011
Books on shelves, in boxes and in stacks. 2008
A silent video sound installation. 2007
Photographs of a record collection as an aid to identity. 2005
Photographs of the characteristic cliffs, undercliff walk and features at Rottingdean,
Saltdean and the coast near Brighton. 1997
Photographs are available to buy as prints. Details can be found on the Purchase page. If you are interested in buying
a print that is not listed as for sale, contact me and I can supply it at the required size.
All images are copyright and may not be used in any way without permission.
This website is continually added to and was last updated in February 2013.
Documentation of Anniversary—an act of memory.
Documentation of Xenon: an exploded opera.
Documentation of exhibition at Grey Area Gallery, Brighton.
Paintings photographed for catalogue and archives.
Paintings photographed for catalogue and archives.
Paintings photographed for catalogue and archives.
We Are Shadows at the Unit 2 Gallery.
Portrait and paintings.
Threads on canvas.
Documentation of exhibitions and installations for the Gallery's archives.
Exhibitions documentation and a demonstration.
Food, fashion and interiors.
Perfume launch event in 2008.
Getting in Touch Conference 2001.
Performance at the Zap Club, Brighton in 1996
Jerry Dammers' kitchen in Coventry circa 1978.
On stage at the Birmingham nightclub circa 1978.
Circa 1976 at the Golden Eagle with Pete King and Mike Horseman.
Circa 1977 at the Golden Eagle with Mike Horseman
Early work:
Photographs from the archive


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West High's Wyatt Lohaus drives past Dubuque Senior's Seth Bonifas during the first half Friday in Iowa City.
- Filed Under
It apparently will take more than a height disadvantage, its two best players being in foul trouble and facing the second-ranked team in Class 4A to derail the West High boys basketball team.
Top-ranked West overcame all those obstacles to defeat second-ranked Dubuque Senior 66-56 Friday at West.
The Rams cut the deficit to 55-51 midway through the fourth quarter, but West answered with back-to-back baskets by seniors Jeremy Morgan and Dondre Alexander. West also made 7-of-10 free throws in the final 1 minute, 7 seconds to secure its 34th consecutive victory dating back to last season when ...


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Condominium developers scored a major coup last night, as the United States Senate voted unanimously to pass a bill that exempts condos from filing and registration requirements mandated by the Interstate Land Sales Full Disclosure Act, commonly referred to as ILSA. [more]
Posts Tagged 'interstate land sales full disclosure act'
A bill that exempts condos from filing and registration requirements mandated by the controversial Interstate Land Sales Full Disclosure Act (ILSA) has made its way to the United States Senate. Sen. Charles Schumer (D-NY), on behalf of himself, Sen. Kirsten Gillibrand (D-NY) and Sen. Dean Heller (R-NV), introduced the bill, known as S 2101, on March 10. [more]
The U.S. House of Representatives handed condominium developers a significant victory Thursday, unanimously passing a bill that exempts condos from filing and registration requirements mandated by the Interstate Land Sales Full Disclosure Act, commonly referred to as ILSA. [more]
A Manhattan federal judge has ruled that a couple who sued the developer of the Arris Lofts in Long Island City can get out of their contract to buy a penthouse apartment, despite already moving into the unit. The decision marks the first post-closing victory for a New York condo buyer in a case involving the Interstate Land Sales Full Disclosure Act. [more]
From left: 505 West 47th Street and Ian Reisner and Mati Weiderpass,
co-founders of Parkview Developers
A federal district judge late last week ruled that 35 buyers at the 505 Condominium in Hell's Kitchen should get their escrow deposits refunded, overturning an earlier verdict for Parkview Developers in this closely watched case involving the Interstate Land Sales Disclosure Act.
In June 2009, 53 buyers filed suit in U.S. District Court alleging that Parkview, led by Ian Reisner and Mati Weiderpass, failed to provide the buyers with property reports at the building, at 505 West 47th Street. Eighteen of the buyers settled with the developers or closed on their purchases before a federal district judge dismissed the case in December 2010.
On Sept. 28, Judge Lawrence McKenna reversed the 35 buyers ruling, citing a reversal earlier this year in the case by Lola Bodansky against the Fifth on the Park condominium. … [more]
[Updated 1:15 p.m., April 15, 2011 from a previous version of the story] Trump Soho hotel-condo recently entered discussions with a number of brokers, including Prudential Douglas Elliman, on a potential deal to replace Prodigy International, according to sources familiar with the discussions.
Developers and lenders have been in furious discussion about how to revive sales at the luxury tower, located at 246 Spring Street, following a 2010 deal with Los Angeles-based CIM Group to recapitalize more than $295 million in debt.
When asked about this last week, Elliman declined to comment, while a spokesperson for Trump Soho denied the move. "There has been no change in the sales and marketing team," the spokesperson said.
… [more]
In one of the nation's most closely watched Interstate Land Sales Full Disclosure Act cases, a federal circuit court yesterday overturned a controversial lower court ruling involving two New York condominiums, forcing the release of millions of dollars in escrow funds and potentially ending the debate over whether the federal statute applies in New York City real estate.
The U.S. District Court previously ruled that Harlem's Fifth on the Park condo and One Hunters Point condo in Long Island City were exempt from ILSA laws because even though the condos were larger than the federally mandated 100-unit limit, the developers sold less than 100 units when they got the temporary certificate of occupancy from the New York City Department of Buildings. … [more]
An Interstate Land Sales Full Disclosure Act case brought against the 505, a new 108-unit Hell's Kitchen condominium, has been dismissed in U.S. District Court, the developer announced today, marking a defeat 35 buyers.
Fifty-three buyers filed ILSA claims, starting in June 2009. Subsequently, 18 of those either settled with the builder Parkview Developers or closed on their units at 505 West 47th Street.
But while a statement from Parkview said the developer intends to seek legal fees from the claimants, the buyers' attorney Lawrence Weiner said that his clients intend to appeal. … [more]
Fifth on the Park, the Harlem condominium that saw a landmark Interstate Land Sales Full Disclosure Act case earlier this year, has switched up its marketing team after selling 51 percent of its 160 units since launching sales in April 2007. Halstead Property Development Marketing will become the exclusive sales team for the development, located at 1485 Fifth Avenue between 119th and 120th streets. Prices there range from $489,000 for a one-bedroom unit to $1.74 million for a four-bedroom apartment. Stephen Kliegerman, executive director for Halstead Property Development Marketing, was not immediately available for comment.
Yoav Haron, CFO with Artimus Construction, a partner with the development team, Uptown Partners, said in a statement that the team has "been very pleased with the progress made up until this point." … [more]
Three buyers, led by "Royal Pains" actress Anastasia Griffith, won the right to get their deposits back at 80 Metropolitan Avenue in Williamsburg.
U.S. District Court Judge Andrew Peck ruled that developer Doug Steiner's Steiner Studios failed to register the 123-unit condominium, and was not exempt from the Interstate Land Sales Full Disclosure Act despite selling less than 100 apartments at the property.
"When plaintiffs… signed their purchase agreements, the condominium was publicly announced as consisting of 123 units," Peck wrote. "Therefore the condominium was not exempt from ILSA registration and disclosure provisions under the 100-lot exemption unless 24 units were exempt at that time." … [more]
From left: Adam Leitman Bailey, the Edge and its developer, Jeffrey Levine of Douglaston Development
At least nine apartment buyers, represented by attorney Adam Leitman Bailey, are now trying to back out of their contracts at the Edge, a 575-unit condominium at 22 North 6th Street on the Williamsburg waterfront. Bailey, who just won a similar case at the Brompton on the Upper East Side, is using the Interstate Land Sales Full Disclosure Act to fight for his clients, Curbed first reported. "Our client purchasers at the Edge are entitled to a full refund of their deposit and to rescission of their purchase agreements," Bailey said in a statement. TRD … [more]
A series of recent rulings in New York and other states allowing buyers to recoup their deposits after backing out of signed contracts has enraged developers, the New York Times reported. The buyers are successfully using a 1968 federal law — known as Interstate Land Sales Full Disclosure Act –intended to protect buyers of out-of-state land from corrupt developers or brokers. But instead, attorneys for these buyers are finding fault in wording that technically violates the law in contracts or other documentation. Lawyers have won back deposits for errors as simple as failing to give buyers a legal description of the property. Experts say that these decisions could lead to more buyer lawsuits. "The crash of the market resulted in people losing their jobs, No. 1, and No. 2, the tightening of the credit market meant they couldn't get the loans they needed to buy the property," said attorney Adam Leitman Bailey, who has represented buyers in several cases involving ILSA. "We had to find some law to help these people, and that's what ILSA did. Desperation inspired creativity." A handful of recent ILSA cases saw judges finding in favor of buyers. Earlier this month, at 20 Pine Street in Lower Manhattan, a judge denied an attempt by the sponsors to have two cases brought forward by buyers thrown out. In September, a judge ruled against Related Companies in an ILSA case, order the developer to return a $510,000 deposit on a unit at the Brompton on the Upper East Side. [NYT]
… [more]
A federal district court judge denied an attempt by the sponsors of the 20 Pine Street condominium to throw out two … [more]
The Related Companies must return a $510,000 deposit, plus interest, to the Greek shipping executive who bought at the 22-story Brompton condominium on the Upper East Side, a federal judge ruled yesterday in a decision that could have broad implications for developers and condo buyers in New York and nationwide.
The Brompton buyers, Vasilis Bacolitsas and his wife, Sofia Nikolaidou, had signed a contract in May 2008 for a $3.4 million three-bedroom unit and later decided to back out, making use of a 1968 federal law called the Interstate Land Sales Full Disclosure Act. The obscure law, originally intended to be applied to the sales of large plots of undeveloped land, requires contracts in large developments to be in a form that can be filed with the city register.
At the Brompton and most other new condominiums, lenders stipulate that buyers are only allowed to register their contracts after they've closed on the purchase because a recorded agreement would result in a lien against the property. The decision, therefore, said the buyers' attorney, Adam Leitman Bailey, entitles "every buyer in a newly constructed condominium which has sold more than 100 units within the last three years to obtain a refund of their down payment."
Lawyers for the sponsors said the decision could be a death sentence for existing and future new development in the city and intend to appeal. [NYT]
… [more]
More than half of the owners at Arris Lofts — a 237-unit condominium conversion in Long Island City located in the former Eagle Electric building — are suing developer Andalex Group for $20 million, seeking damages for alleged negligence, including misappropriated funds and breaches of warranty, Crain's reported. The attorney representing the 120 apartment owners involved in the lawsuit, Steven Sladkus of Wolf Haldenstein Adler Freeman & Herz, said he is finalizing a formal complaint outlining all the allegations. While the developers no longer own apartments in the building, they maintain control of the condo board. In their suit, the owners claim that the developers were inappropriately using funds to pay for things like construction material, and that they "exhibited a total lack of interest in calling board meetings and doing what is necessary on behalf of unit owners," Sladkus said. Calls by Crain's to Andalex Group and their attorney, James Hausman of Meister Seelig & Fein, were not returned. Meanwhile, a couple who lives in a $3 million penthouse at Arris Lofts and invoked the Interstate Land Sales Full Disclosure Act are seeking to quash an apartment contract. That case is pending. (note: correction appended) [Crain's]
… [more]
A ruling in favor of two homebuyers reneging on their contract in Northern Virginia may have revived hope for contract holders in New York City, according to the Wall Street Journal and as The Real Deal first reported. While many New York City homebuyers have tried to use the Interstate Land Sales Full Disclosure Act — a decades-old law known as "ILSA" — to back out of contracts that went sour in the market downturn, few have found success. But the Virginia ruling, which allowed a couple to ditch a $2 million
contract when their developer pulled out, could set a precedent for
contract-holders in other states, according to industry insiders. … [more]
A state Supreme Court judge has dismissed a lawsuit by a Prudential Douglas Elliman agent who sued to back out of her contract at the Andaz at 75 Wall Street, claiming her agreement was a sham deal that was designed to promote sales to foreign buyers. Elliman broker Hela Miodownik filed suit in August 2009 alleging that
the developers, led by the Hakimian Organization, did not allow her to
close on apartment 21D after all the remaining units in the building
were sold, as she had planned.
She also claimed that the developer improperly used a broker from Corcoran Sunshine Marketing Group instead of a lawyer to negotiate the condominium unit contract. … [more]
Uptown Partners' 5th on the Park in Harlem has slashed prices by as much as 15 percent. The asking price for unit 26A, for example, was $1.9 million last month from $2.25 million previously. There are 70 units out of 160 still available at the project at 1485 Fifth Avenue on the corner of 120th Street. Uptown Partners made news in January when it scored a victory against two buyers who wanted to get their deposits back at the project. It was the first time in 20 years in New York that a federal judge ruled on a case in which buyers tried to use the Interstate Land Sales Full Disclosure Act, or ILSA, to cancel contracts and get deposits back. Griffin Real Estate Group is handling marketing and sales for the project.
Condominium buyers at a luxury Harlem project filed court papers yesterday to begin an appeal of a recent decision that was the first ruling on the Interstate Land Sales Full Disclosure Act, or ILSA, in New York state in the last two decades. Buyers of two condo units at Uptown Partners' 5th on the Park, the 160-unit condo development at 1485 Fifth Avenue at 120th Street, filed a notice of appeal in Manhattan federal court yesterday, the filing shows. They sought to overturn a decision issued Jan. 30 by federal judge Denise Cote who ruled that the developers of the project were exempt from the ILSA statute, thereby rejecting buyers' efforts to break their contracts and get their deposits back. The federal ILSA law requires that developers who have divided land into 100 or more units, file a property report with the U.S. Department of Housing and Urban Development. Buyers must also be given a report before signing their contract. The little-known law has been used in dozens of cases in New York City where buyers are trying to back out of their contracts. … [more]
From left: Attorney General Andrew Cuomo, Secretary of Housing and Urban Development Shaun Donovan and the Rushmore
The U.S. Department of Housing and Urban Development has launched an investigation into the Rushmore condominium, amid allegations that the lawyers for the developer, Extell Development, held previously undisclosed meetings with state Attorney General Andrew Cuomo's office to prevent existing buyers from backing out of their apartment contracts.
HUD officials said that as of May 11, 2009, Extell "voluntarily suspended" the building's registration under the Interstate Land Sales Full Disclosure Act (ILSA), a federal law that protects consumers in newly constructed condos with more than 99 units. The move would allegedly be a way for the developer to shield itself from ILSA-related claims.
HUD opened the probe after media reports mentioned that 34 buyers filed complaints with the AG's office. While officials did not disclose why Extell would suspend, documents obtained by The Real Deal show the Rushmore developer was facing an ILSA-based lawsuit prior to the filing. … [more]


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- Filed Under
Lori and George Strunck of Rockaway, NJ proudly announce the engagement of their daughter, Jillian, to Eric Schneider, son of Janine and Gary Schneider of Dumont, NJ.
Jillian graduated from East Stroudsburg University with a BS degree and received her Master's in Special Education from St. Elizabeth's College in Convent Station.
She is a Special Education Teacher with the Bloomfield School District in NJ.
Eric is employed as a member of Local 1556 Dock Builder's Union, working in New York and New Jersey.
A July 2015 wedding is planned.


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Such surfaces can repel a wide range of liquids but be made to temporarily lose their liquid repelling properties using a technique known as "electrowetting." The research will be conducted in the Nanocoatings Subscale Lab at General Electric's Research Center in Niskayuna, New York.
General Electric joins a number of companies in its research and development of hydrophobic surface spaces including mPhase Technologies, Inc. mPhase has recently received a United States patent for the concept of a porous membrane made from silicon that is capable of controlling the flow of a wide range of liquids, including electrolytes, used in both primary and rechargeable batteries. The concepts behind the porous membrane are being used in the development of the Smart NanoBattery to create a new type of reserve battery that has a very long shelf life and can be activated or triggered on command based upon an external event.
mPhase CEO Ron Durando said, "Smaller companies like mPhase do a lot of the initial development of various technologies, and when these new technologies reach the cusp of commercialization, companies such as GE step into the market to leverage their deep pockets and research capacities -- following the trail mPhase and others have blazed. We believe that GE's interest in hydrophobic nano-engineering surfaces is another great validation of our research and adds value to our portfolio of intellectual property."
Source: http://www.mPhaseTech.com
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David Szymanski was recognized by Louisiana Tech's University Senate.
- Filed Under
RUSTON - Two Louisiana Tech University faculty members were recognized by the University Senate Tuesday, for teaching and research excellence, and their valuable contributions to the success of the students and the university.
David Szymanski, associate professor of kinesiology and strength and conditioning coach for Louisiana Tech baseball, received the 2013-2014 University Senate Chair Award and Rhonda Boyd, instructor of kinesiology and director of adult fitness, received the 2013-2014 Virgil Orr Junior Faculty Award. Both honors were presented during Louisiana Tech's ...


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Program helps kick off America Recycles Day
Come out to the November 30th Northwood Art and Wine Promenade
to Check Out the New Program
(West Palm Beach, FL) – Residents across West Palm Beach now have some new options when they recycle. It's all part of marking today, November 15th, as America Recycles Day.
The program is being established by a partnership that includes the City of West Palm Beach, several other communities, the Solid Waste Authority (SWA) of Palm Beach County and the American Beverage Association (ABA).
New recycling containers are being placed in several locations, including city parks, and along major walkways in the city's Northwood neighborhood.
On November 30th, the program will also be highlighted during the Northwood Art and Wine Promenade, as members of the City of West Palm Beach Office of Sustainability will be on hand highlighting the program.
"Encouraging recycling is one of our core priorities, and the easiest way everyone can play an important role in preserving our resources," said Penni Redford, City of West Palm Beach Sustainability Manager. "We are proud to be part of this program, and hope it encourages even greater awareness regarding the importance of this and other sustainability programs."
The goal of the "Recycle on the Go" program is to provide convenient opportunities for city residents and visitors to recycle their beverage cans, bottles, juice boxes and cartons, rather than disposing of them as trash in public venues such as parks, city streets and beaches.
As much as 30% of all beverage containers that are used by residents are disposed when they are out and about enjoying public space.
The launch has been planned to coincide with America Recycles Day – when communities and organizations across the nation celebrate recycling and bring attention to the many reasons why it is important to do so.


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P1 Photo of the Week: Active shooter prep
Submitted by: Scott Popick - Broward Sheriff's Office, Fla.PoliceOne wants to see some pictures of you in action or training. Submit a photo - it could be selected as our Photo of the Week! Be sure to include your name, department information and address (including city, state and ZIP code) where we can reach you - Photo of the Week winners now have a chance to win a PoliceOne.com T-shirt!
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Children want to investigate the whole world. Their high activity level and enthusiastic exploration of their surroundings makes prosthetic care of children and teenagers a special challenge.
This lightweight aluminum hip joint is ideal for children, and has a proximal socket attachment plate and distal tube clamp.
Adapters add the finishing touch, adding function or filling fitting needs for children's modular lower limb prostheses.


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May Joyful Music Fill the AirItem #: HL.08746899
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Arranged by Russell Robinson.
Voices Together. Voicing/Format: 2-Part. 6.75x10.5 inches. 8 pages. Published by Hal Leonard. (HL.08746899)
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Based on a canon by Thomas Tallis, this delightful setting for younger choirs maintains the beautiful melody and adds an accessible piano accompaniment and lyrics that speak of the beauty of music and singing. An excellent choice for contest or festival! Performance Time: 2:10.Available separately: SAB and 2-Part.
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Goodbye, Tank
Tank Johnson was picked up by police in Arizona at 3:30 a.m. Thursday night/Friday morning for being impaired to the slightest degree.?? Keep in mind, this was roughly just 30 hours after the Bears concluded their organized team activities and Lovie Smith implored his players to stay out of trouble over the next month prior to the start of training camp.
Regardless of what I personally think, now the Bears must cut Johnson. Many argued that the Bears organization comprimised their values last winter when they allowed Tank to stay with the team given one last chance. Now, absolutely, they will release him.
It's unfortunate, because once Tank does clean up his act in the eyes of the NFL, he will be playing successfully for another NFL team that will undoubtedly compromise its values for his production.


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Ugandan leader 'blocks anti-gay bill'Comment on this story
Kampala -
Ugandan President Yoweri Museveni has refused to approve a controversial bill that would see homosexuals jailed for life, saying there were better ways to cure the "abnormality", a report said on Friday.
In a letter to parliament, the president said homosexuality was caused by either "random breeding" or a need to make money. And lesbians, he said, choose female partners because of "sexual starvation" and the failure to marry a man.
But he said the best cure for the condition was to improve the African nation's economy, the independent Daily Monitor newspaper said.
"The question at the core of the debate on homosexuality is what do we do with an abnormal person? Do we kill him/her? Do we imprison him/her? Or we do contain him/her?" the president was quoted as writing in a letter to parliament.
"Even with legislation, they will simply go underground and continue practicing homosexuality or lesbianism for mercenary reasons," he argued.
The anti-gay bill cruised through the Ugandan parliament last month after its architects agreed to drop a death penalty clause.
Although he has refused to sign off on the legislation, Museveni left little doubt that his homophobic outlook remained intact.
"You cannot call an abnormality an alternative orientation. It could be that the Western societies, on account of random breeding, have generated many abnormal people," he said, adding that other people became gay for "mercenary reasons", or, in the case of lesbians, a lack of sex with men.
The report said the president believed that improving Uganda's economy - including rapid industrialisation and modernising agriculture - was the best way to "rescue" young people from the risk of "disgusting behaviour".
Homophobia is widespread in Uganda, where American-style evangelical Christianity is on the rise. Gay men and women in the country face frequent harassment and threats of violence, and rights activists have also reported cases of lesbians being subjected to "corrective" rapes.
In 2011, prominent Ugandan gay rights activist David Kato was bludgeoned to death at his home after a newspaper splashed photos, names and addresses of gays in Uganda on its front page along with a yellow banner reading "Hang Them".
Aids activists say that if passed the bill would have prevented gays from having access to essential public health information, such as how to protect themselves from HIV and how to access life saving treatment and support services. - Sapa-AFP
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EVANS, Wendell M., 10:30 a.m., Sproles Family Funeral Home, New Castle.
FLANNERY, Stephen W., 3 p.m., Gardens of Memory Cemetery,
HUBER, Charles A., 3 p.m., Thornburg Memorial Chapel, Parker City.
LANDLESS, F. Elaine, 7 p.m., Walker Funeral Home, Winchester.
STOCK, Mossaline J., 11:30 a.m., St. Mary Catholic Church.
TUTTLE, Carolyn Joann "Jo", 1 p.m., Elm Ridge Funeral Home.
BUCK, Terry G., 1 p.m., Noffze Funeral Home, Alexandria.
FELTON, Violet K., 11 a.m., Blountsville Congregational Christian Church.
GARRETT, Joseph V., 11 a.m., Marion National Cemetery.
KEARNEY, Flora McLaughlin, 2 p.m., Grace Episcopal Church.
OLIVER, Dorothy H., 10 a.m., Parson Mortuary.
POND, Joyce Elaine, 1 p.m., Parson Mortuary.
ROLLINS, Mildred Faye, 12 p.m., Garden View Funeral Home.
ULREY, Robert G., Sr., 2 p.m., Thornburg Memorial Chapel, Parker City.


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Hey guys, I'm new to this forum. A couple of months ago, my single speed/fixie combo got stolen. (Yes it was locked, they cut the lock) I've been riding my old road bike for the past few months.
I want to replace it sooooo badly but I also want to get a good deal.
I'm looking for a nice bike, but also with a good price. Any recommendations on websites, make/models, etc? I heard a Kilo is a good deal, I just want to make sure that I'm not really getting ripped off.
Also, has anyone seen those aerospoke wood grain rims? I WANT.
Thanks, and ride on!


text: Fire Destroys Home on Sedalia's North Side By Jack Miller April 16, 2013 Just after 10:00 Tuesday morning (April 16), the Sedalia Fire Department and the Sedalia Police responded to a house fire at the corner of Pettis and Lamine on Sedalia's north side. Read More|Comment Category: Accidents, News, Newsletter, Photos, Sedalia News Tags: Fire, North Side, Photo, Sedalia Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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text: For Those That Slept Yeah, we'll show you Kobe jumping the car too. Old-News • April 15th, 2008 by Willie G. Feel free to debate it's authenticity some more here- we'd like to hear each side. http://www.showstopperzcc.com Jose Kobe jumping the car.Can you just imagine what he has to lose the man is FIRE Hotttttttttttttttt.


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O'Neill keen on Cahill loanComment on this story
London – Sunderland manager Martin O'Neill is keen to snap up midfielder Tim Cahill to play for his side during the MLS off-season in the United States, the Press Association reported on Sunday
O'Neill wants to add some firepower to his attack during the January transfer window, and the former Everton star, currently on the books of the New York Red Bulls, would provide at least a temporary solution.
The 33-year-old Australia international Cahill scored 68 goals in 278 appearances during his eight seasons at Everton before moving to the United States last summer.
He enjoyed some success against Sunderland during his time in England, finding the net seven times in 14 appearances against them for the Toffees and also denying them an FA Cup Final appearance in 2004 with a semi-final winner for Millwall.
O'Neill's men have scored 21 goals in 20 league games to date this season with eight of them coming from summer signing Steven Fletcher and they are currently in 13th position five points clear of the drop zone. – Sapa-AFP
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Core Components
Sing and Share Kit
Designed to encourage social and emotional development, the Sing and Share Kit includes an Audio CD of 30 original songs and a large flip chart featuring children in familiar settings resolving conflicts, picking up after themselves, and being engaged in teamwork. The artists on the Audio CD include Grammy-award-winner Ella Jenkins, José-Luis Orozco, Suni Paz and Ramiro Fauve, and Greg & Steve.
- Track 1: Be a Good Friend!
- Suni Paz and Ramiro Fauve
Learn more about our Sing and Share artists by visiting their Web sites:


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