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An actuary analyst uses data to measure risk for a company or organization, such as insurance company or a financial services business. Common functions performed by an actuary analyst include coordinating, preparing, and performing actuarial analyses, which are required by companies when developing new products, projecting future results, repricing existing products, and/or determine financial strength. An actuary analyst is usually expected to work under minimal supervision and must be able to perform moderately complex work assignments and problem resolution.Read More...
In the course of their work, the actuary analyst must acquire and apply maturing knowledge of the business, its products, and its processes. An actuary analyst often uses actuarial modeling software driven models for pricing, valuation, and/or risk management. Being able to enter data and tables, runs models, and generates reports is essential. An actuary analyst may make adjustments and improvements to models, when appropriate.
A bachelor's degree in a related field, such as accounting, is generally preferred, although four years relevant work experience may be substituted by some employers. Some actuarial experience is preferred by most employers seeking an actuary analyst. Actuary analysts also must have basic knowledge of actuarial technique and procedures, data analysis tools, and industry data sources. Two to three Society of Actuaries exams successfully completed is a preferred requirement; four or more is highly desired. Possessing excellent oral and written communication skills is expected.
For Actuarial Analysts, comfortable salaries can be found at Liberty Mutual Insurance Group; in fact, median earnings sit around $74K, the highest in the area.
Not only do salaries lack room to grow — pay ranges from $51K to just $77K — but Mercer LLC offers the lowest pay in town to boot, with a median paycheck of $62K.
Actuarial Analysts report using a wide range of professional skills. Most notably, skills in SAS, VBA, Microsoft Access, and Data Analysis are correlated to pay that is above average. At the other end of the pay range are skills like R and Statistical Analysis. For most people, competency in Data Analysis indicates knowledge of SAS.
With a pay rate for Actuarial Analysts that is 19 percent greater than the national average, Los Angeles offers a comfortable salary for those in this profession. Actuarial Analysts will also find cushy salaries in Hartford (+13 percent), San Francisco (+13 percent), Boston (+10 percent), and New York (+6 percent). In Montpelier, salaries are 17 percent below the national average and represent the lowest-paying market. Omaha and Nashville are a couple other places where companies are known to pay below the median — salaries are 14 percent lower and 11 percent lower, respectively.
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Waterstones eleven: Kevin Maher on The Fields
Journalist Kevin Maher's debut novel The Fields is our Waterstones eleven choice for March. Writing exclusively for Waterstones blog, Kevin tells how he came to write the novel, and in a video interview with us he discusses how his knowledge of the world of film has fed his fiction...
Set in the 1980s in Dublin and London, The Fields tells the vividly evocative story of Jim Finnegan's unfairly interrupted adolescence, which Maher describes in our interview as being "violently autobiographical"...
I get sick of watching movies. Yes. That's how it starts. Really. It's London 2001, and I'm the film editor of a hipster bible called The Face magazine and I've seen a million movies (actually around two and a half thousand – I counted), and I can't take it anymore. So I up sticks with the wife and only child and head north, far north, to a tiny Scottish fishing village. There I begin what will eventually become The Fields.
I spend these days admiring sunrises, jogging on the beach, hanging with the family, and writing. We live sparsely, off incoming London rent (certainly not my writing), and I do about fifty good pages of story before my hipster head takes over and I decide to go all postmodern and critic-y, and write a book about the death of a book, an anti-book about anti-story and the impossibility of narrative. Naturally, it sucks. People read it and tell me that the first fifty pages are great, but the rest is really awful.
18 months pass. I get sick of jogging on the beach and admiring sunrises. So we move, all of us, the family, back to London. I start writing about films again and, in my spare time, I attempt two different novels, again both postmodern and smart-alecky and ain't I so clever that I'm, like, totally above storytelling. Of course, they also suck.
Eventually, 10 years after it began, I return to those original precious fifty pages. At this stage I have three children, to whom I tell bedtimes stories at night. I am older, but not too old. And I am not scared of story. In fact, I know now that there is only story, and nothing else. So I return to those precious fifty pages and I tell the story that wanted to be told. Of a fourteen-year-old boy bounced between the two grand narratives of 1980s Ireland – of IRA violence, and of the menace of clerical abuse – but a boy, all the same, with very simple needs. The need to be loved, to love, and know fully that so much of life around him is transient and absurd when compared to the delicate lyrical beauty of dancing to Soft Cell or Bronski Beat in a suburban box bedroom with a true and loving friend by his side.
The book, of course, is my life and not my life. It's the feeling of my early life transposed to other events. Thankfully. It's the distillation of the pell-mell senses of an 80s Irish childhood crashed right up against the quietly beguiling trauma of that big biographical move from Dublin to London, and the kind of Oz-like experience that it can be, in every possible sense.
In the end, I like to think, with my smart-alecky, postmodern, critic-y head on, that the journey of the book – from Scottish scribblings to now – is a journey towards an embrace of story and a love of the once-upon-a-time-ness of everything. Because all that The Fields really says is that once upon a time there was a boy whose cat died. And the boy loved that cat, but he loved his father more. And he didn't want his father to die. And so, this is what he did.
Kevin Maher, for Waterstones.com/blog
Read an extract from The Fields now.
You can buy The Fields at your local Waterstones bookshop (http://bit.ly/s6sdlu) or online at Waterstones.com (http://bit.ly/Y1QJTw)

subset: commoncrawl


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Reid with dropped int, missed tackle but an assist on a forced fumble. Reid has been playing outstanding though. I liked the pick because I thought he could come in from the get go but didn't expect him to do this well this early. No big passes given up from what I can remember. Making all the people who cried about trading an extra 3rd for trading up to get him. Whitner playing a lot better than last year as well.
[ Edited by Gore_21 on Oct 6, 2013 at 8:04 PM ]


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Rangers Photos
Photos: Rangers test vertical jumps, share laughs at Saturday's training
Photo: Louis DeLuca/Staff Photographer
Texas first baseman Jim Aducci catches a pop up as teammates watch during Texas Rangers baseball spring training in Surprise, AZ on Saturday, February 22, 2014.
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I can't believe nobody has mentioned Bois du Portugal!
Also, TOBS Sandalwood is quite powdery.
Domenico Caraceni 1913.
Type: Posts; User: rorschuck; Keyword(s):
I can't believe nobody has mentioned Bois du Portugal!
Also, TOBS Sandalwood is quite powdery.
Domenico Caraceni 1913.
I've actually never seen it compared to BdP (of course, I sometimes go days without checking BN (usually by accident)). I found it because it was compared to the reformulated (current version) Derby...
And then New York and Azzaro PH would tag-team Ten's punkass after the bell! :beer:
I love this scent, but never in a million years would I have guessed there's lavender in it! I obviously need to revisit it...
In my opinion (not worth much), it would probably be vintage Derby, by Guerlain.
That's classic!
I can only say that I've heard they are pretty different, and most people - so far as I can tell - seem to prefer the original. I can say the the original is pretty darn good and it's hard to...
There can be only one: Sonoma Scent Studio's Fireside. Smells like a campfire. Great juice.
Great scent, but definitely sample first; I'm not sure how you can possibly claim you "can't get a sample": there are planty of places to score a sample of this stuff in the U.S. (not to mention...
Aside from the fact that I disagree with your basic premise ("PPH is widely regarded as the finest men's fragrance ever released"), I'll answer: no.
Gris Clair is a bit... strange...
While they are not weird, I really really like C&S Oxford & Cambridge and SL's Encens et Lavande. Marvelous.
The only aquatic I've ever liked has been Taylor of Old Bond Street's St. James, which is very nice (but has poor longevity on me). And since I jsut posted a list of summer scents in another thread,...
Eau Sauvage you know about. and I hearily second and third that nomination. I'd also look at Guerlain's Eau de Guerlain; it's a straightforward eau de cologne done very very well. Penhaligon's...
I own and love APH (the only time I've ever liked anise). I also have Chrome and Visit, and don't care for either one. It's not that they are bad fragrances, they just aren't great like their older...
I did get a call from my Creed rep at Neiman's who told me Cuir de Russie is being "put back in the Creed vault", for what that's worth.
On the bottom of the flacon bottle (the underside).
New York by Parfums di Nicolai is often compared to Derby. I find it has more in common with the new (reformulated) Derby than with the old Derby, which is spicier/more jagged (which I like).
I am also an avowed Vanilla-Hater.
It's so... vanilla! There are hundreds of them out there, and they are all the same.
Except there are two - only two - which I actually like:
They absolutely do use 100% natural ingredients... but they also use 100% fake ones.
Uh... none.
I hate commercials, and rarely buy a product because of one (though I frequently boycott products because of commercials I hate).
About the only ones that work on me are Taco Bell...
Dior Eau Sauvage
Dior Fahrenheit Summer
Lauder Beyond Paradise Men
Guerlain Eau de Guarlain
TOBS St. James
Creed VIW
Creed Bois de Cedrat
Tommy Bahama Set Sail St. Bart's
C&S Cambridge &...
HA! That's excellent! Amusing *and* it might actually smell pretty fantastic. Love the "Vernian" sandalwood note!
I agree that it's rather generic; reminds me of dozens of boring vanilla department store scents.
I will say, however, that as far as boring vanilla scents go, I actually kind of like it, and...
I don't normally like their scents (though there are many I've not tried because the sods don't offer samples at all), but BPAL's Steamworks line may be perfcect. Touches of metal to many of them.
I couldn't agree more. It's over-the-top coying, intense and just in-your-face. Something very very very few people actually like, though it seems like many might lie and say it smells nice just to...
I hate to derail the thread completely, so let me add my two bits briefly and say that these reviews (for Mogul and Dragon, anyway) are spot-on. I actually paid for my samples, just being very...
An excellent scent! I normally despise fragrances with strong sweet/vanilla/tonka accords but this one is wonderful. The first sweet vanilla scent I liked and still really the only one I like...
Yes, I think the 'motor oil' note is much more pronounced than it used to be. Maybe I'll fall back in love with the new Fahrenheit.
I thought the discontinuation of DC 1913 turned out to be...
Boring, uninspired, cloying, redundant and overpriced is my opinion of Bond.
I can't believe nobody has mentioned Aurora by Farmacia SS. Annunziata dal 1561!
My personal favorite cinnamon scent, it's pure, dry and warm; reminiscent of an old-world spice shop.
I was just thinking the other day as I wore Fahrenheit for the first time in a very long time, "this smells nothing like I recall it smelling".
I knew absolutely NOTHING about fragrances then (and...
A toss-up between Sonoma Scent Studio's Winter Woods and SL's Encens et Lavande
Tom Ford's Ambre Absolute (about the only TF I really like): *monster* sillage, extrordinary longevity.
The version currently in production is VASTLY different from the original formulation, and - IMO - inferior in every way. There's no comparison between the old and the new.
Wow. That's pretty bleak! I think I need some Prozac ;)
Couldn't possibly name one, but MPG and PdN vie for top spot, with Sonoma Scent Studio nipping at their heels and honorable mention to Serge Lutens.
Fumerie Turque
Encens et Lavande
Sonoma Scent Studio's Winter Woods
Definitely try the MPG. Tom Ford's Ambre Absolute is about the only TF I can wear, and I really quite like it, though it may be drier and more incense-y than you'd like, and it's got a fairly formal...
St. James by Taylor of Old Bond Street is about the only one I like.
Yup, them decanters are everywhere!
All of these can be had for under $40, even though some are discontinued:
Montana d'Homme (red box): wonderful and dry: does for saddle leather what Havana did for tobacco
Woods of Windsor: ...
Right now:
Parfums di Nicolai
Sonoma Scent Studio, which narrowly edges out Serge Lutens.
AOS Sandalwood, Penhaligon's Endymion, Uomo?Moschino, TF Ambre Absolute, MPG's George Sand and Winter Woods from Sonoma Scent Studio all vie for the top spot.
I love Derby (original formulation), though I don't wear it all that often (it's so just powerful and stiff).
I think Geo F. Trumper's Spanish Leather is actually fairly similar, and PdN's New...
You saw an ad and didn't click on it, eh? Is this unusual? ;-)
I will second (third? fourth? fifth?) the votes for Montana (Red Box). Very similar; does for saddle leather what Havana did for tobacco.
Nutmeg: Floris No. 89
Clove: MPG Secret Melange, Penhalighon's Racquets
T&H: Grafton!
I think Guerlain's Derby (original) can be categorized as an oriental, maybe... if so, that gets my sole vote.
Wow! What an amazingly good resource! Thanks for taking the time to educate me; I can't thank you enough.
Does anybody know for certain if there is a way to tell Guerlain's Original Derby vs the reissued 2005 version? Are the bottles/boxes different? How? Exactly the same? (that would be...


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22 Facts About California That Make You Wonder Why Anyone Would Still Want To Live In That Hellhole Of A State
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[quote:Anonymous Coward 1231298:MV8xMzM3NTM3XzIxOTkxMDM0X0JENzMyMTUw] [quote:Anonymous Coward 1160682] [quote:Anonymous Coward 1231298] Two facts about California, it's 66 degrees right now. Pot is legal. Eat a dick. [/quote] Yup, that ^ proves ALL the intelligent folks have left the state [/quote] Fucker I work for a Fortune 500 tech company that you most likely use everyday when you hop on your firefox browser, whether you know it or not. But hey I like pot, and good weather, I especially like smoking pot during my lunch breaks downtown while greeting the police with a friendly hello... [/quote]
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link to endoftheamericandream.com
The following are
22 facts
about California that make you wonder why anyone would still want to live in that hellhole of a state
#1 The California state government is facing a potential state budget deficit of 19 billion dollars this year, and California debt is rapidly approaching junk status. One way or another the taxpayers of California are going to have to pay for this mess somehow.
#2 California Governor Jerry Brown recently unveiled a "draconian" budget plan for 2011 that includes 12 billion dollars more in spending cuts and that maintains 12 billion dollars in recent tax increases.
#3 The state of California currently has the third highest state income tax in the nation: a 9.55% tax bracket at $47,055 and a 10.55% bracket at $1,000,000.
#4 California has the highest state sales tax rate in the nation by far at 8.25%. Indiana has the next highest at 7%.
#5 Residents of California pay the highest gasoline taxes (over 67 cents per gallon) in the United States.
#6 California had more foreclosure filings that any other U.S. state in 2010. The 546,669 total foreclosure filings during the year means that over 4 percent of all the housing units in the state of California received a foreclosure filing at some point during 2010.
#7 Home prices in some areas of California have completely fallen off a cliff. For example, the average home in Merced, California has declined in value by 63 percent over the past four years.
#8 725 new laws (most of them either completely pointless or completely stupid) went into effect in the state of California on January 1st.
#9 20 percent of the residents of Los Angeles County are now receiving public aid of one kind or another.
#10 The number of people unemployed in the state of California is approximately equal to the populations of Nevada, New Hampshire and Vermont combined.
#11 In some areas of California, the level of unemployment is absolutely nightmarish. For example, 24.3 percent of the residents of El Centro, California are now unemployed.
#12 Residents of California pay some of the highest electricity prices in the entire nation.
#13 The state of California ranks dead last out of all 50 states in the number of emergency rooms per million people.
#14 According to one survey, approximately 1 out of every 4 Californians under the age of 65 has absolutely no health insurance.
#15 At one point last year it was reported that in the area around Sacramento, California there was one closed business for every six that were still open.
#16 In the late 70s, California was number one in per-pupil spending on education, but now the state has fallen to 48th place.
#17 In one school district in California, children as young as five years old are being forced to watch propaganda films that tout the benefits of "alternative lifestyles", and parents are being told that no "opting out" will be permitted.
#18 The crime rate in the San Diego school system is escalating out of control. The following is what San Diego School Police Chief Don Braun recently told the press about the current situation....
"Violent crime in schools has risen 31 percent. Property crime has risen 12 percent. Weapons violations (have gone up) almost 8 percent."
#19 Oakland, California Police Chief Anthony Batts announced last year that due to severe budget cuts there are a number of crimes that his department will simply not be able to respond to any longer. The crimes that the Oakland police will no longer be responding to include grand theft, burglary, car wrecks, identity theft and vandalism.
#20 Things have gotten so bad in Stockton, California that the police union put up a billboard with the following message: "Welcome to the 2nd most dangerous city in California. Stop laying off cops."
#21 During one recent 23 year period, the state of California built 23 prisons but just one university.
#22 The farther you look into the future, the worse California's financial problems become. According to an article in the Wall Street Journal, California's unfunded pension liability is estimated to be somewhere between $120 billion and $500 billion at this point.
So could the state of California actually go bankrupt?...
California will drop off the map but maybe it will be financial (first) instead of the big earthquake.
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I thoroughly enjoyed this interview with award-winning composer, Omar Thomas, about his new album, 'We Will Know', a monumental work of art that breathes new life into the word "movement". Inspired by the popular civil rights protest song, "We Shall Overcome", Omar has just gifted the (U.S.) LGBT civil rights movement with their very own soundtrack, one which is sure to spark powerful conversations about what it means to exist at the intersection of struggle, triumph, and history, as both black and gay.Read More
Call for Submissions (Poetry, Prose, Photography): Walking the Tight Rope: An African LGBTI Anthology
Walking the Tight Rope: An African LGBT Anthology seeks poets, writers and photographers within Africa and the Diaspora to share their stories. DEADLINE: April 15, 2014
Please share widely.Read More
I know it's been a while. I've had a lot going on. 2013 was quite a year – one that I'm not likely to miss but will always remember for how much it grew me.Read More
Today is Nigeria's Independence Day, but I can't focus on my country's progress. It's challenging to remain optimistic in the face of landlords telling you they won't rent to you because "you're a single woman who could potentially use the apartment for prostitution." Until "Nigeria" addresses its treatment of women and LGBT people… oh shoot, I just moved back home, didn't I? Guess I best get back to dealing with the country as it is.Read More


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Beat writer David Moore answered questions in a chat Tuesday. Here are some highlights.
Question: Why does Jerry Jones come out and say how close the Cowboys were to drafting Manziel? Seems like a huge distraction and not helpful in the least.
David Moore: It's a media distraction. It's not a distraction among the players in this camp. You've heard the phrase it is what it is. This was Jerry being Jerry.
Question: Is Dez Bryant the second best wide receiver in the NFL behind Calvin Johnson? With Josh Gordon gone, I think so!
David Moore: A.J. Green might have something to say about that. Same with Demaryius Thomas, Brandon Marshall and a few others. But he's in the conversation.
Question: Do you think the Cowboys should bring Josh Brent back? Feels morally wrong.
David Moore: They're giving him a chance to resume his career. Would every team make that choice? Probably not. But I don't think the Cowboys are morally wrong because they choose to give him this chance. He will have served his sentence. The Cowboys aren't guaranteeing him a job.
Question: Honestly, I don't know how the Cowboys defense could be any worse than a year ago. They were horrible. Opposing punters golfers on Sundays. The offense should be as good or better, so this squad should be in the 7-9 to 9-7 range. What's your prediction?
David Moore: Would like to hold off on the record for the moment since there have been only two, full contact practices in this camp. But you're description echoes what Jerry and Stephen Jones have said. Asked why this defense will be better, both have said because it can't be worse. It's younger, faster and deeper than past versions, so that should help. And remember, this was a top 5 offense last season. The blueprint for success is this: the Cowboys should be as good statistically on offense as they were last season and even more efficient. That's a reasonable expectation.


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GMP named 2013 Utility of the YearOctober 22,2013Staff Report
Green Mountain Power was named 2013 Utility of the Year by Solar Electric Power Association for city solar initiative.
GMP CEO Mary Powell is in Chicago receiving the award today.
Mayor Louras said at a press conference today, the award and GMP initiative is putting Rutland on the map as solar capital of New England.
Powell said in a press release regarding the award, rather than fear solar, as many utilities appear to do, we embrace it.MORE IN This Just In
The Rutland City Fire Department responded to an alarm Friday at the General Electric plant... Full Story
A driver ran a red light and crashed into another vehicle Friday afternoon at the entrance of... Full Story
WEST HARTFORD — A teenager was killed and another person was critically injured when... Full Story
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Mortgage Fraud News
Mortgage 'Rip-Off' Victim Gets Good News, Not So for Lawyer Involved
Lawyer Investigated By ABC News for Repeated Customer Complaints Now Disbarred
Britain's Face of Hate: EDL Founder's Shocking Decision
in London. Since we shot the story, there are updates on the people we covered. Tommy Robinson was in prison for mortgage fraud . Charges he claimed were brought to silence him. Mean style, the shariah patrol are recruiting the streets, minus
NJ 'Housewives' Couple Plead Guilty to Fraud
looking like there was something that went on here that was against the law and especially. Against when you talk about mortgage fraud and bank fraud and wire fraud. These are the kinds of things that the government wants to make an example out of state
More Legal Headaches from the Mortgage Mess and Bernie Madoff
of destruction from the mortgage mess is still working ..... been found liable for mortgage fraud . The bank's Countrywide ..... borrowers who couldn't make mortgage payments. More legal ..... over the sale of flawed mortgage products. ABC News has
JPMorgan Chase May Be Penalized in Madoff Case
over the sale of flawed mortgage products. ABC News has ..... of destruction from the mortgage mess is still working ..... been found liable for mortgage fraud in a verdict was returned ..... borrowers who couldn't make mortgage payments. Starbucks is
'Real Housewives' Stars Face Jail for Alleged Fraud
housewives of new jersey." In federal court today, facing mortgage fraud and other charges. They are known for fierce battles ..... the giudices allegedly submitted false and fraudulent mortgage and other loan applications from 2001 to 2008. The documents
20/20 06/21: The (Almost) Perfect Crime
being Authorities had mailed the cross dressing dead to rights. He was arrested and charged with Grand Larceny and mortgage fraud . In another bizarre twist parking gives this rambling statement to police saying when he gave his mother CPR the night
7 Richest Snitches: Time to Rat Out Your Boss?
25 million; March 2012 BofA in February agreed to pay fines to settle a federal probe of alleged underwriting and mortgage fraud involving subsidiary Countrywide Financial. A suit by whistleblower Kyle Lagow helped spark the investigation, and
Wells Fargo Fires Employee For Stealing a Dime in 1963
a customer service representative at Wells Fargo Home Mortgage in Des Moines until he was fired in July. The reason ..... said. "The spirit of the law was to prevent widespread mortgage fraud but does not apply to my client, who is a customer service
The Big Lie: Real Life Norman Bates
being mad Authorities had the cross dressing crook. Dead to rights he was arrested and charged with Grand Larceny and mortgage fraud . In another bizarre twist parking gives this rambling statement to police saying when he gave his mother CPR the night
Pushing Reality Show Limits
Hot chicks and chairs having a good time happened to be having a good time here we'll they weren't I think our mortgage fraud . The real. We see yeah answer them some are quietly. We thought it was a problem in and people and society rolling
Texas Company Sues Homeowners With Foreclosed Second Mortgages
675,000 in 2005. His mortgage was about $540,000, and he took out a second mortgage of $135,000 to cover ..... he pay back the second mortgage . "They said, 'You ..... We are suing people for mortgage fraud ," he said. "They lied
California Man Commits Suicide Before Foreclosure
long battle over their mortgage held by Wells Fargo ..... solicited to refinance their mortgage and became locked into ..... settlement over allegations of mortgage fraud . The bank filed a response ..... enough time to make the mortgage current, according to
2011 Was Worst Year for Suspected Financial Crimes on Record
scams borne out of the mortgage crisis have swamped federal ..... fraud, debit card fraud, mortgage loan fraud, casino fraud ..... the marketplace, from mortgage financing to Ponzi schemes ..... the number of suspected mortgage fraud crimes may have spiked
'Whistleblower' Says Mortgage Securitization Still an Issue for U.S. Homeowners
deny that the issue of mortgage securitization is a problem ..... have a $7 trillion in mortgage -backed securities that ..... fraud issues involving mortgage -backed securities and ..... are coming out of this mortgage fraud settlement," she said
Fed Announces $25 Billion Foreclosure Deal
nation's five biggest mortgage lenders. To provide relief ..... interest rates. Lower mortgage balances or provide a ..... banks from claims. Of mortgage fraud . Certain civil claims ..... preserves extensive its mortgage securitization activities
New Fed Task Force Subpoenas 11 in Mortgage Fraud Probe
was created today to investigate mortgage fraud that contributed to the 2008 financial ..... general's offices to investigate how mortgage backed securities were created ..... selling, and valuing of residential mortgage -backed securities." Holder said
GOP to Wall Street: 'Richard Cordray Sleeps with the Fishes'
and confounded by their mortgage lenders. And just this ..... why: The late-stage mortgage boom of the mid-2000s ..... easy money they made from mortgage fees to change course ..... protect consumers from mortgage fraud , payday loans charging
FBI Finds Gangs Expanding, Even to U.S. Military
trafficking, and prostitution. Gangs are also engaging in white collar crime such as counterfeiting, identity theft, and mortgage fraud , primarily due to the high profitability and much lower visibility and risk of detection and punishment than drug and
San Diego Man Gets Prison For Bilking Homeowners in Massive Mortgage Fraud
homeowners lower the principal on their loans and reduce their mortgage rates to "as low as 2 percent." ABC News found that ..... federal prosecutors in 2003 of charges connected to a mortgage fraud scheme in Baltimore. Both men received jail sentences
Top 10 Pink Slip Capitals
Capitals More from Forbes: America's Fastest-Growing Cities Cities With The Most Billionaires The 10 Worst States For Mortgage Fraud Best Places To Buy a Home Right Now Cities With The Biggest Home Price Discounts
Rochester and Pittsburgh offer plenty of housing bargains.
forbes.com/davidwhelan and blogs.forbes.com/nathanvardi. More From Forbes: Surprising Home-Energy Hogs America's Biggest And Least Gas-Guzzling Cities Cities With the Biggest Home Price Discounts The Worst States For Mortgage Fraud
Iowa Attorney General Reviewing Case of Couple who Got Free Home
law. The $320,000 mortgage of Matthew and Jamie Danielson ..... that both spouses sign a mortgage agreement. Only Matthew Danielson signed the mortgage in May 2007 in what he ..... worse she has committed mortgage fraud against the industry in
FHA slow to flag problem lenders, stop them
Administration stopped a New York mortgage company from making FHA ..... federal authorities of mortgage fraud . The Justice Department ..... with or convicted of mortgage fraud . Since 2005, at least ..... brought criminal or civil mortgage - fraud cases against them
Harry Reid: 'Time To Get Back To Work'
legislation more than a quarter century we had no input from Republicans. National service legislation passed that mortgage fraud legislation then we did that he had the work that we did Wall Street reform. We get credit card direction come back
Citigroup Claims No 'Robo-Signings' Despite Using Foreclosure King
rubber-stamp thousands of mortgage documents, Citigroup ..... competing with every other mortgage lender," Reich said ..... investigations into the mortgage mess as politically motivated ..... Fisher, a professor and mortgage - fraud expert at Seton Hall
Florida's Foreclosure King Investigated For Questionable Practices
But it's the booming mortgage -servicing industry ..... Across the nation, mortgage -servicers, which include ..... Fisher, a professor and mortgage - fraud expert at Seton Hall ..... Stern and the rest of the mortgage -servicing industry
Homebuyer Beware
that if you. Do it right you can still. Own your own home. And how you can avoid some of the predatory lending and mortgage fraud and scams and whatnot but it is it's in reach for a lot of folks citizenry as its Ilyce. That's good to that's
Anti-Government Sovereign Citizens Taking Foreclosed Homes Using Phony Deeds, Authorities Say
million-dollar homes," he said. "Shocking." They have been charged with a variety of RICO crimes as well as theft and mortgage fraud . Last week, sheriff's deputies in nearby Rockdale County busted a husband and wife team who were allegedly pulling
FBI Keeps Wall Street in Its Crosshairs
that were doomed. A case involving mortgage derivatives and the biggest fish ..... were in reality laced with risky mortgage -backed derivatives. Butler was ..... resources are being added to address mortgage fraud and related financial crimes. In
Hundreds Attend Arkansas Funeral for Cops Slain by Man and Teen Son
a man with strong anti-government views who toured the country with his son offering seminars on what he called " mortgage fraud " and debt avoidance, according to interviews and Kane's Internet video. Kane had given a two-day seminar in Las
San Diego Men Indicted in Alleged Mortgage Scam
country to individuals behind on their mortgage payments," said a statement from ..... principal on their loans and reduce their mortgage rates "as low as 2%." However ..... in 2003 of charges connected to a mortgage fraud scheme in Baltimore. Both men received
Wall Street Regulators Tout Progress Before Financial Crisis Panel
but to deter such future conduct as well," he said, noting that the FBI is investigating more than 2,800 cases of mortgage fraud , an almost 400 percent jump from five years ago. Mary Schapiro, head of the Securities & Exchange Commission , which
Fighting Mortgage Scams: Governments Team Up
in California, three mortgage brokers were arrested ..... message: if you perpetrate mortgage fraud , we will find you and ..... foreclosure scams and mortgage modification fraud ..... than 2,600 pending mortgage fraud cases under investigation
World News (07.23.09)
homeowners are falling victim to mortgage modification scam Brian Ross investigates ..... They've become vulnerable to mortgage modification scams and there are ..... prison in 2003. For his role in a mortgage fraud scheme in Baltimore. Can I ask


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Cyber Monday
I love online shopping and usually do most all of my shopping this way.
Yes that is where I do most of it, plus why buy in the store when you can shop online through places and earn money back?! :) I love my monthly rebate checks.
As much as I can, the shops are brimming with people full of indecision just stopping deadstill without a thought for the people behind. Prices so much better online too.
I don't know where to look for deals and if there is anything I would need.


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The Rock Restaurant in Zanzibar is taking sea-to-table to an entirely new level with its completely unconventional location. Built on an old fisherman's post, the restaurant gets its namesake from the rock that anchors it to the ocean floor.
Read Whole Story
Every child has the same human rights as adults. These include the right to life, food, health, education, development, a clean environment and the right to be heard.
In addition to game reserves, beaches, and national parks, Tanzania boasts a robust dining scene, with everything from swank seaside eateries to hole-...
There are fewer African names more attractive and magical than Zanzibar. Turquoise sea, palm-packed beaches, timeless fishing villages and the smell of exotic spices make Zanzibar a magical and unique travel destination.
No amount of money that I donated to a non-profit was going to do anything more than- possibly - provide a bowl of rice somewhere, which is a lot like sticking a Band-Aid on an amputation. What people needed more than anything were opportunities.
Soak up barefoot island life and explore the pristine surroundings of these idyllic spots.
As a young man, Rohit Oza joined his father on photography trips through the streets and coastlines of the African island of Zanzibar.
Now 62-years...
With the fifth annual Envision Festival in Costa Rica just around the corner, what better way to spread the vibes than with a pre-party? Lu Fam Pro and Luminous Movement presents the official Envision Fest L.A. Pre-Party on Wednesday, January 28th, 2015.
In today's topsy-turvy environment, all bets are off. Rather than focus on critical upcoming legislative elections and a major conference to help attract investments to Egypt's struggling economy, TV channels seem sidelined by matters that raise eyebrows and questions given their timing.
The Indian Ocean is an azure-blue expanse strewn with startlingly beautiful islands that live up to all the clichés of swaying palm trees and white-sand beaches -- but let's assume you already know that.
TV personality and chef Anthony Bourdain takes time out to talk to us about his unforgettable experience of filming in Tanzania and Zanzibar.
Big dates make us pause, review where our lives have taken us, reevaluate our priorities and set new goals. For those who do not have children, a change of scenery to clear your head and make a difference for communities in need can help.
Why is it that so few men get excited about coming to help local communities in Africa? What are the true motivations for most volunteers? Do women have very different reasons for volunteering abroad from men?
I often find it hard to express complex and intense emotions in words. But the word "Karibu" says so much. It captures the heart of Tanzanian and broader East African culture.
In a land far, far away sits the restaurant of your dreams.
During low tide, you can walk to The Rock, which sits out on the water off Zanzibar's ...
From a candle-lit desert oasis to a dreamy tropical archipelago, here are the 10 best honeymoon destinations in Africa.
If you've ever dreamed of sleeping under the sea, à la The Little Mermaid, your dreams can soon become reality at the Manta Resort's new underwater r...
Between affordable safaris to the legendary Serengeti ($150/night!), to the turquoise beaches of the Indian Ocean, to remote villages scattered among lush foliage, to lazy nights of drinking conyagi in Zanzibar... Tanzania is something the heart remembers.
ZANZIBAR, Tanzania — Tanzanian police say a Catholic priest was attacked by acid at a busy business area on the island of Zanzibar.
Regional Po...
Kirstie Trup and Katie Gee, British charity workers who were victims of an acid attack in Tanzania on Wednesday, have returned to the United Kingdom a...
By Fumbuka Ng'wanakilala DAR ES SALAAM, Aug 8 (Reuters) - Men riding a motorbike threw acid at two British teenage girls in Tanzania'...
Don't know much about geometry. But I do know this: Summer = Vacation. It's a simple algebraic equation.
Wedding season is upon us and where there are nuptials, there are newlywed holidays to follow.
"Playing soccer gives children time to feel good and experience joy, to bond with teammates, and to be healthy in unhealthy circumstances. The "beautiful game" builds self-esteem and teaches them to treat each other with respect."
This torrent of money flowing into OPEC, especially into the Persian Gulf States, raises the question how this massive windfall is being put to use other than providing fresh capital for the world's largest sovereign wealth funds, as those of Saudi Arabia, United Arab Emirates and Kuwait.
Get top stories and blog posts emailed to me each day. Newsletters may offer personalized content or advertisements. Learn more.


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As the 16 January, 2015 deadline for responding to the controversial P2P draft report draws near, and in the interests of balance and representing the whole community, Phoenix Rising presents two differing views on how to react. Today, Clark Ellis flags up important content to...
Discuss the article on the Forums.
baclofen sleep cfs/fibro
Discussion in 'General Treatment' started by heapsreal, Mar 27, 2010.
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The darker-than-dark electronics of the impressive Blackest Ever Black label are on show at Corsica tonight, a fitting venue for their wide-ranging carcophony of edgy, soul-searching sounds, taking in industrial, drone, doom, ambient and anything far left of centre and a bit tortured. The ghostly works of Vatican Shadow - in his debut UK performance - will be on show, and atmospheric D&B act Source Direct's Jim Baker will play a rare DJ set. Plenty to get excited about at this nice night.
BleeD Presents Blackest Ever Black
|Event website:


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Ice Skating in Louisiana
Here is the list of Ice Skating in Louisiana. Each listing on this category include information you need to plan your trip, holidays, weekends, dating (address, map, phone number, website, reviews by real people, comments and more).
Results 1 - 1 of 1
3607 NW Evangeline Trwy, Carencro, LA, 70520
Results 1 - 1 of 1


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Remember Me
Willie Nelson has announced the lineup for the 2011 Country Throwdown road show. Joining the Red Headed Stranger this year are Jamey Johnson, Randy Houser, Lee Brice, Brantley Gilbert, Craig Campbell and Lukas Nelson & Promise of the Real. Side stage acts will be announced later. A portion of the ticket price will benefit Unite the United. Ticket pre-sale begins Thursday, February 11 and sale to general public begins February 18 at 10 a.m.
To read comments and participate in this story, please visit the Articles forum »


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2007 Scion tC • 4 cylinder FWD Manual • 38,000 miles
Shop doesnt want to pull transmission until can get to run. Says dont want to charge to have put in and then still have motor issue with not starting. I advsd sounds like the TOB. But they say they pull code for the cranksshaft postion sensor. But they say that everything turns but car will not start. They are recommending another shop take look at that deals with more motor stuff. Once again push clutch in and turn key it just makes a noise and kinda to hard to describe. Sounds kinda like when u have a car started and you to turn the key to start while already started. Kinda like a squeal sound.
December 1, 2010.
December 1, 2010.
Alright here what's going on. I've been driving around and notice that clutch started slipping. Started only in 5th gear and during 3-5 under a lot of acceleration. Then started to get worse and other gears doing same. Well ordered new clutch and flywheel. Well been driving back and forth to work cause only 3 miles away. So on to the next and my main worry. Went to start car and pressed in clutch and started but started to shutter and made some noise I made sure was in neutral and went to start and and started and shut off. And now when I press clutch in and start it make a whine noise. And doesn't start. Everything lights up and got plenty of juice. Makes noise like if car is started and u crank it again. Kinda only way I can describe the sound. So what could this be other than clutch?
Dec 1, 2010.
Dec 1, 2010.
Based on your description, it sounds like the bendix is bad on the starter and not fully engaging with the flywheel. Have the starter removed and bench tested. Most parts stores will check it for free.
Let me know what you find. As far as the trans shop, my hat is off to them. If they don't want to remove the trans until the engine is running and they are sure the trans needs removed, it sounds like they are honest.
Let me know what you find. As far as the trans shop, my hat is off to them. If they don't want to remove the trans until the engine is running and they are sure the trans needs removed, it sounds like they are honest.
Dec 1, 2010.
Dec 1, 2010.
Well I have to taken to shop. Now they say that head has bent valves. So they wanna charge 450 to pull head. Then take to machine shop where they say that all but one valve was bent and will cost 450 to fix. And now they say have to replace vvt and timing chains and few other parts. Then all the labor to put back together. Which now adding up to almost 3000 in parts and labor. This really is putting me in bind and is alot of money and thats not even putting the clutch in car. Does this even sound right?
Dec 8, 2010.
Dec 8, 2010.
Did they tell you the timing chain broke? The engine is an interference engine. That means if the timing chain broke, the top of the pistons would have come in contact with the valves and bending them. That would have caused the fast cranking (no compression) and what I thought was a starter not engaging and just spinning. I will say this, it is very uncommon for a chain to break. The vehicle is still somewhat new. I know it came with a 3 year 36K warranty as a minimum. I think you may be able to fight this with them. Do you know what the powertrain warranty is on the vehicle?
Dec 9, 2010.
Dec 9, 2010.
1998 Ford Mustang : I recently took my Mustang GT into a Ford service center for a slipping clutch. They told me that I have a self-adjusting clutch and that the clutch assembly needed ...
2 answers • 1998 Ford Mustang
1995 Nissan Maxima SE. Clutch began slipping about a week ago, then 'broke' loose and went to the floor as I was downshifting from 5th to 4th. Kabam! all the way to the floor and no ...
3 answers • 1995 Nissan Maxima • 270,000 miles
My car has been revving up even while in 5th gear and running on unusually high rpm's when any gas is applied, and it has had a burning brake smell if I drove it very far. Recently,the ...
2 answers • 2003 Mitsubishi Lancer • 130,000 miles


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Cowboys Photos
Inside Cowboys vs. Chargers: Numbers, facts, figures, faces past and present
Photo: Jeff Gross/Getty Images
It's a good bet that Cowboys tight end Jason Witten will end up in Canton someday. But flying under the radar this season is Chargers tight end Antonio Gates, who's been bothered by toe ailments the last few seasons, but is off to a good start in 2013. Gates, who has scored 84 career TDs to Witten's 46, is averaging five catches and 76 yards per game in 2013.
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Quick question: I noticed some ladies are talking of being induced earlier. Is that because of size or purely GD?
My Dr mentioned doing a NST - is that a reason to induce before 40 wks?
My GD is pretty bad. Insulin 3x daily. I'm worried...
NST is a piece of cake... you just sit and listen to the baby's heartbeat for 20 minutes. I have one every other week, alternating with growth scans. They monitor for a certain level of increases and decreases in the heart rate.
I have had 2 growth scan/biophysical profile ultrasounds. One at 32 weeks and one this week at 34. Yesterday we learned that my little stinker turned breech, I am not happy with him. I have delivered 2 kids vaginally and would prefer not to have a c-section, but we'll do whatever it takes to get him out safely.
As far as the induction... the increase in glucose can cause deterioration of the placenta and/or umbilical cord. My OB won't let me go past 40 weeks, maybe even 39 if baby starts measuring too big. That seems to be pretty standard among OB/Gyn's.
Mommy to Hannah (8), Brandon (5), and Micah (16 months)
Oh, my little guy was also in the 80th percentile at 32 weeks. He's slowed a bit now, except his head is 80.9%. I have a big round head, he gets it honestly.
Mommy to Hannah (8), Brandon (5), and Micah (16 months)


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Definitions for FIS
This page provides all possible meanings and translations of the word FIS
fis is the E. coli gene encoding FIS protein. The regulation of this gene is more complex than most other genes in the E. coli genome, as FIS is an important protein which regulates expression of other genes. It is supposed that fis is regulated by H-NS, IHF and CRP. It also regulates its own expression. Fis is one of the most abundant DNA binding proteins in Escherichia coli under nutrient-rich growth conditions.
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Definitions for malnutritionˌmæl nuˈtrɪʃ ən, -nyu-
This page provides all possible meanings and translations of the word malnutrition
Princeton's WordNet
a state of poor nutrition; can result from insufficient or excessive or unbalanced diet or from inability to absorb foods
a lack of adequate nourishment
Origin: mal- + nutrition
Webster Dictionary
faulty or imperfect nutrition
Origin: [Mal- + nutrition.]
Malnutrition is the condition that results from eating a diet in which certain nutrients are lacking, in excess, or in the wrong proportions. The verb form is "malnourish"; "malnourishment" is sometimes used instead of "malnutrition". A number of different nutrition disorders may arise, depending on which nutrients are under- or over-abundant in the diet. In most of the world, malnutrition is present in the form of under-nutrition, which is caused by a diet lacking adequate calories and protein—not enough food, and of poor quality. Extreme undernourishment is starvation, and its symptoms and effects are inanition. While malnutrition is more common in less-developed countries, it is also present in industrialized countries. In wealthier nations it is more likely to be caused by unhealthy diets with excess energy, fats, and refined carbohydrates. A growing trend of obesity is now a major public health concern in lower socio-economic levels and in developing countries as well. The World Health Organization have reported hunger and related malnutrition as the greatest single threat to the world's public health. Improving nutrition is widely regarded as the most effective form of aid. Nutrition-specific interventions, which address the immediate causes of undernutrition, have been proven to deliver among the best value for money of all development interventions. Emergency measures include providing deficient micronutrients through fortified sachet powders or directly through supplements. WHO, UNICEF, and the UN World Food Programme recommend community management of severe acute malnutrition with ready-to-use therapeutic foods, which have been shown to cause weight gain in emergency settings. The famine relief model increasingly used by aid groups calls for giving cash or cash vouchers to the hungry to pay local farmers instead of buying food from donor countries, often required by law, to prevent dumping from hurting local farmers.
U.S. National Library of Medicine
An imbalanced nutritional status resulted from insufficient intake of nutrients to meet normal physiological requirement.
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"malnutrition." Definitions.net. STANDS4 LLC, 2015. Web. 27 Nov. 2015. <http://www.definitions.net/definition/malnutrition>.


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Method And Apparatus For Producing Coke - Patent 8152970FIELD The disclosure relates to a method and apparatus for producing coke from coal and in particular to an improved methods and apparatus for quenching coke while reducing dusting problems associated with a coke making process.BACKGROUND AND SUMMARY Coke is a solid carbon fuel and carbon source used to melt and reduce iron ore in the production of steel. During an iron-making process, iron ore, coke, heated air and limestone or other fluxes are fed into a blast furnace. The heated aircauses combustion of the coke which provides heat and a source of carbon for reducing iron oxides to iron. Limestone or other fluxes may be added to react with and remove the acidic impurities, called slag, from the molten iron. Thelimestone-impurities float to the top of the molten iron and are skimmed off. In one process, known as the "Thompson Coking Process," coke used for refining metal ores is produced by batch feeding pulverized coal to an oven which is sealed and heated to very high temperatures for 24 to 48 hours under closely controlledatmospheric conditions. Coking ovens have been used for many years to covert coal into metallurgical coke. During the coking process, finely crushed coal is heated under controlled temperature conditions to devolatilize the coal and form a fused masshaving a predetermined porosity and strength. Because the production of coke is a batch process, multiple coke ovens are operated simultaneously, hereinafter referred to as a "coke oven battery". At the end of the coking cycle, the finished coke is removed from the oven and quenched with water. The cooled coke may be screened and loaded onto rail cars or trucks for shipment or later use or moved directly to an iron smelting furnace. Coal particles or a blend of coal particles are charged into hot ovens on a predetermined schedule, and the coal is heated for a predetermined period of time in the ovens in order to remove volatiles from the resulting coke. The coking processis highly dependentView doc
Processes For Preparing Pure Xylylenediamine - Patent 8142618S This application is a national stage application, under 35 U.S.C. .sctn.371, of PCT/EP2007/050679, filed Jan. 24, 2007, which claims priority of European Patent Application No. 06101145.8, filed Feb. 1, 2006.BACKGROUND OF THE INVENTION Xylylenediamine (bis(aminomethyl)benzene) is a useful starting material, for example for the synthesis of polyamides, epoxy hardeners or as an intermediate for preparing isocyanates. The expression "xylylenediamine" (XDA) comprises the three isomers ortho-xylylenediamine, meta-xylylenediamine (MXDA) and para-xylylenediamine. Crude xylylenediamine can be prepared, for example, by ammoxidizing xylene and subsequently hydrogenating the resulting phthalonitrile. Possible preparation processes are described, for example, in the applications mentioned below. U.S. Pat. No. 4,482,741 (UOP Inc.) describes the hydrogenation of phthalonitrile (PN) in the presence of ammonia, a specific catalyst and XDA as a solvent. EP-A2-1 193 247 and EP-A1-1 279 661 (both Mitsubishi Gas Chem. Comp.) respectively relate to a process for purifying isophthalonitrile (IPN) and to a process for preparing pure XDA. EP-A2-1 193 244 (Mitsubishi Gas Chem. Comp.) describes a process for preparing XDA by hydrogenating phthalonitrile which is synthesized in a preceding stage by ammoxidation of xylene, the vaporous product of the ammoxidation stage beingcontacted directly with a liquid organic solvent (quench) and the resulting quench solution or suspension being fed to the hydrogenation. The purification of the crude XDA obtained is also described in the following patent applications: JP 2002-088032 (Mitsubishi Gas Chem. Co, Inc.) describes a method for purifying XDA by feeding an inert gas to a condenser, the column toppressure being kept at 53 mbar or lower and the outlet temperature of the condenser being kept at 110.degree. C. or lower. The inert gas strips out components which have a lower boiling point than XDA, so that they are not condensed completely, iView doc
Pyrolytic Process For Producing Enhanced Amounts Of Aromatic Compounds - Patent 81375081. Technical Field The present invention relates to a pyrolytic process. More specifically, the present invention relates to a process for producing novel components or components in clearly unexpected amounts as compared to conventional processes heretoforeutilized. 2. Background Information Heretofore, pyrolytic reactors have generally utilized small amounts of materials at very high heat input rates. The material was typically thinly spread over the heating surface. Moreover, applicant is not aware of any prior art patents which teach or suggest applicant's process as well as the results obtained therefrom. For example, U.S. Pat. No. 3,714,038 to Marsh relates to a pyrolysis process wherein a mixture oforganic and inorganic wastes are pulped in a liquid such as water to form a slurry, dewatered, and then pyrolyzed or hydrogenated. As such, it lacks any suggestion of applicant's reactor size, slow heat input, a deep char bed, and the like. U.S. Pat. No. 3,822,218 to Whittaker relates to the addition of a carbonaceous binder to a rubber prior to the destructive distillation thereof. U.S. Pat. No. 3,823,223 to Liska relates to a destructive distillation of synthetic rubber scrap to produce a char which, when ground, can be used in reinforcement of rubbers. U.S. Pat. No. 4,123,332 to Rotter also relates to a process and apparatus for treating carbonizable materials such as tires. Various end products are produced. U.S. Pat. No. 3,085,038 relates to a process for recovering cellulose from vegetable materials via hydrolysis. U.S. Pat. Nos. 3,864,097 and 3,864,096 relate to a process for converting cellulose into an oil with a catalyst and at temperatures of between 200.degree. C. to 375.degree. C. U.S. Pat. No. 3,910,775 to Jackman discloses an apparatus and method for converting refuse, sewage, and industrial wastes into fuel substances. The waste material is converted to briquettes which can be burned as a fuel. U.S. Pat. No. 3,923,472, toView doc
Membrane-augmented Distillation With Pressure Change To Separate Solvents From Water - Patent 8128787The invention relates to production and dehydration of solvents, especially alcohols. In particular, the invention relates to combinations of distillation and membrane separation to produce a dehydrated solvent product.BACKGROUND OF THE INVENTION The production of dry solvents from raw aqueous mixtures is often costly and complicated. The preparation of dry ethanol is a good example. In the conventional process, the raw fermentation broth is stripped under moderate vacuum in a beerstill. Overhead vapor from the beer still is sent to a rectification column that produces an overhead product close to the azeotrope (about 93 wt % ethanol) and a bottoms product, which is essentially water. The condensed product from the top of thecolumn is evaporated under pressure and fed to a molecular sieve dryer, which produces ethanol of 99 wt %+purity. Such a process consumes almost 100 million Btu/h to produce 50 million gallons per year of purified ethanol from a feed containing about 11wt % ethanol. It is known to use two distillation columns in series to separate mixtures such as organic/water mixtures. Such processes are taught in U.S. Pat. Nos. 4,539,076; 5,035,776; and 7,297,236, for example. It is also known to use membrane separation to treat the overhead stream from a column. Such processes are taught in U.S. Pat. No. 4,978,430; in U.S. Published Application number 2006/0070867; in Japanese Published Application numberJP7227517; and in U.S. patent application Ser. No. 11/896,201. In addition, co-owned U.S. Pat. No. 7,732,173, issued Jun. 8, 2010, to Mairal et al., teaches a process for recovering ethanol involving membrane separation, followed by dephlegmation, followed by a second membrane separation step todehydrate the overhead stream from the dephlegmator. U.S. Pat. No. 5,105,029 teaches the use of two columns followed by membrane separation; and U.S. Pat. No. 4,405,409 discloses the use of two membrane separation steps in series to treat a colView doc
Process For Separating Diisopropylbenzene (DIPB) And Triisoproplybenzene (TIPB) From A Feed Comprising DIPB, TIBP, And Polyalkylate Heavies - Patent 8123913BACKGROUND 1. Technical Field This disclosure relates to processes for producing cumene More specifically, this disclosure relates to the recovery of polyalkylated benzene byproducts from the alkylation of benzene with propylene to form cumene, namely diisopropylbenzene(DIPB) triisopropylbenzene (TIPB), which can then be transalkylated back to cumene. 2. Description of the Related Art The alkylation of aromatics with olefins to produce monoalkyl aromatics is a well developed art which is practiced commercially in large industrial units. One commercial application of this process is the alkylation of benzene with propylene toform cumene (isopropylbenzene) which is subsequently used in the production of phenol and acetone Those skilled in the art are therefore familiar with the general design and operation of such alkylation processes The performances of alkylation processes for producing monoalkyl aromatics such as cumene are influenced by the stability and activity of the solid catalyst at the operating conditions of the process. For example, as the molar ratio of aromatic(benzene) per olefin (propylene) increases, current catalysts typically exhibit an improved selectivity to the monoalkyl aromatic--cumene. But even at these high molar ratios of benzene per propylene, polyalkylbenzene by-products such asdiisopropylbenzene (DIPB) and triisopropylbenzene (TIPB) will accompany cumene production. Although the formation of DIPB and TIPB might be viewed as by-products that represent a reduction in the efficient use of the propylene, both DIPB and TIPB can be readily transalkylated with the benzene using a transalkylation catalyst toproduce the more valuable cumene product. So-called combination processes combine a first alkylation process that produces primarily cumene but which also produces DIPB and small amounts of TIPB with a second transalkylation process that converts theDIPB and TIPB back to cumene in order to the maximize cumene production. Upstream of theView doc
Membrane-augmented Distillation With Compression To Separate Solvents From Water - Patent 8114255The invention relates to production and dehydration of solvents, especially alcohols. In particular, the invention relates to combinations of distillation, overhead vapor compression and membrane separation to produce a dehydrated solventproduct.BACKGROUND OF THE INVENTION The production of dry solvents from raw aqueous mixtures is often costly and complicated. The preparation of dry ethanol is a good example. In the conventional process, the raw fermentation broth is stripped under moderate vacuum in a beerstill. Overhead vapor from the beer still is sent to a rectification column that produces an overhead product close to the azeotrope (about 93 wt % ethanol) and a bottoms product, which is essentially water. The condensed product from the top of thecolumn is evaporated under pressure and fed to a molecular sieve dryer, which produces ethanol of 99 wt %+purity. Such a process consumes almost 100 million Btu/h/h to produce 50 million gallons per year of purified ethanol from a feed containing about11 wt % ethanol. It is known to use two distillation columns in series to separate mixtures such as organic/water mixtures. Such processes are taught in U.S. Pat. Nos. 4,539,076; 5,035,776; and 7,297,236, for example. It is also known to use membrane separation to treat the overhead stream from a column. Such processes are taught in U.S. Pat. No. 4,978,430; in U.S. Published Application number 2006/0070867; in Japanese Published Application numberJP7227517; and in U.S. patent application Ser. No. 11/896,201. In addition, co-owned U.S. Pat. No. 7,732,173, issued Jun. 8, 2010, to Mairal et al., teaches a process for recovering ethanol involving membrane separation, followed by dephlegmation, followed by a second membrane separation step todehydrate the overhead stream from the dephlegmator. U.S. Pat. No. 5,105,029 teaches the use of two columns followed by membrane separation; and U.S. Pat. No. 4,405,409 discloses the use of two membrane separation sView doc
Process For The Preparation Of Aromatic Amines - Patent 8110073The present invention relates to a process for the catalytic hydrogenation of aromatic nitro compounds and the working up by distillation of the aqueous amine solutions obtained thereby. In this process, it is possible to substantially free theamine of water in an energy-efficient manner and also to obtain the water free of amine and low boilers and to obtain the low boilers. It is known, for example from EP-A-0 223 035, that aromatic diamines, such as, for example, toluene diamine (TDA, diaminotoluene), can be prepared by catalytic hydrogenation of the corresponding aromatic dinitro compounds. The hydrogenation canbe carried out with the concomitant use of solvents, e.g., low-boiling alcohols such as methanol, ethanol or isopropanol. The hydrogenation is carried out with the aid of catalysts dispersed in the reaction mixture. The dispersed catalysts aresubsequently separated off by filtration or sedimentation and are optionally fed back into the process. The hydrogenation reaction is highly exothermic. A constant problem in the hydrogenation of, for example, dinitrotoluene (DNT) to toluenediamine(TDA) is, therefore, not to dissipate this heat as waste heat but to use it expediently. Accordingly, WO-A-96/11052 describes a reaction apparatus for carrying out sludge phase hydrogenations using the heat of reaction to produce usable steam. However,a sufficiently high temperature is essential for the usability of the steam, which in turn requires a correspondingly high reaction temperature. In EP-A-0223035, for example, steam is produced in a range from 5 to 30 bar. Taking into account the conventional temperature gradients in heat exchangers, a reaction temperature of 160.degree. C. or higher is required to produce such steam. In EP-A-0223035, temperatures in the range from 170 to 250.degree. C. are mentioned. Working up of the reaction mixture obtained in the hydrogenation has been carried out by freeing a mixture of aromatic diamines and water of reactionView doc
Purification Process Using Microchannel Devices - Patent 8101048This invention relates to methods of removingimpurities from compounds having a relative volatility equal to or less than 1.2, to form ultra high purity compounds. There are many unmet needs for ultra high purity compounds for use as feeds, intermediates, solvents or final products in materials processing and applications. As used herein, ultra high purity is defined as purity ranging from lower limits of10.sup.-10 wt % (1 ppt) to upper limits of 0.01 wt % (100 ppm). These compounds include but are not limited to distillable organics, including monomers, solvents for chromatographic applications such as HPLC, sublimable solids, electronic chemicals, andanalytical reagents. Traditional methods to purify compounds include distillation, crystallization, extraction, absorption, adduct purification, mass-selective ultracentrifuge, and chemical treatment combined with distillation. These methods and other relatedmethods, such as the distillation method disclosed in US Patent Publication No. US 2006/0016215A1 are often limiting because of the close boiling nature or low relative volatility of the desired compound and impurity(s), and the low impurityconcentration and driving force for mass transfer. Compounds with a low relative volatility, .alpha., (.alpha.=vapor pressure of impurity/vapor pressure of desired compound) equal to or less than 1.2 are especially difficult to purify by stagedprocesses employing vapor/liquid equilibrium thereby making ultra high purity materials unattainable by the conventional methods. Furthermore, there is often an economic constraint to the purity levels attainable with existing methods. Excessivecapital or operating costs can limit the attainable purity due to unacceptable yield loss, energy input, or process cycle time due to the physical and/or chemical properties of the impurities and the compound. For example, it is possible to estimate the minimum number of equilibrium stages required for distillation based on the relative volaView doc
Method And Apparatus For Purifying Water - Patent 8097128OF THE INVENTION The present invention relates in general to water purification techniques, and more particularly to methods and apparatus for purifying production water produced as a byproduct from oil and gas wells.BACKGROUND OF THE INVENTION The purification of liquids is often required for various reasons. Processes are available for removing impurities from liquids to separate the same in order to properly dispose of the impurities and utilize the pure liquid. Often this isrequired because the impurities are toxic and otherwise not suitable for ordinary disposal, but require special treatment and handling. In other situations, the aim is to obtain the pure liquid for subsequent use, irrespective of the manner in which theimpurities are disposed of using conventional or non-conventional techniques. In the latter category, the purification of ground water is a prime example where chemical impurities and particulate matter are removed so that a potable form of water isavailable for use. The purification of water and other liquids takes many forms, including simply filtering the water to remove particulate matter, treating the water chemically to remove both liquid and particulate impurities, and the processing of water bymulti-stage systems that accomplish all of the foregoing, in order to provide a purified form of water. Salt water is routinely processed to remove the salt content and other impurities so as to provide potable water. Waste water from ships, industrialfacilities, municipalities and other areas is processed to remove the contaminants so that the resulting water can be reused or disposed of in an environmentally safe manner. The field of petroleum and gas production is an area where a substantial amount of fresh water is used, and a high percentage of the same is returned in the form of highly contaminated water. Here, millions of gallons of fresh water areinjected under high pressure conditions into the well to fracture the ground formationView doc
Method And Apparatus For High Efficiency Evaporation Operation - Patent 8092656TECHNICALFIELD This process relates generally to a method and to a water evaporation system for the treatment of waters that contain dissolved organic materials and inorganic salts and in particular to a method that results in a non-scaling heat transfersurface. In various embodiments, this process relates to methods for feed water pretreatment that results in higher design concentration factors (higher recovery), an increase of the on-stream availability of the evaporation system, and an essentiallyscale free environment at the heat transfer surface.BACKGROUND In today's world of increased awareness of the environment along with the high costs and regulations that prohibit and/or limit wastewater disposal to publicly owned treatment services or the environment, there is a demand for water treatmentequipment that minimizes wastewater, promotes water reuse in the process, and lowers the quantity of fresh water that has to be imported from wells or public water supplies. The restraints put on many industries, such as steam-electric power plants, nuclear power plants, and oil production companies, have led to adoption of a Zero Liquid Discharge (ZLD) policy in many instances. A facility can achieve ZLD bycollecting and recovering most or all of the water from the wastewater. The resulting highly concentrated wastewater, or dry solids, are then held in ponds on site or the dry solids can be transported to a landfill. A variety of technologies have been developed to recover water from wastewater or to reduce the volume of the wastewater. These technologies have limitations of complexity and susceptibility to interruption of service or failure of componentsdue to corrosion, fouling, or scaling by the wastewater constituents, especially when feed waters vary from foreseen conditions. A continuing demand exists for a simple and efficient process which can reliably provide water of a desired quality, in equipment that requires a minimum of maintenance. In particular, itView doc
Dividing Wall Column For Fractionation Of A Multicomponent Mixture - Patent 8092655The present invention relates to a dividing wall column for thefractionation of a multicomponent mixture and a process for isolating pure ethylhexyl p-methoxycinnamate by distillation. In the fractionation of feed mixtures into more than two highly pure fractions, for example into low boilers, intermediate boilers and high boilers, it is normally necessary to use a plurality of distillation columns. To limit the outlay interms of apparatus, the fractionation of multicomponent mixtures consisting of more than two components is carried out using columns which are suitable for taking off liquid and gaseous media at side offtakes. However, the utility of distillationcolumns having side offtakes is greatly restricted by the fact that products taken off at the side offtakes are normally not completely pure. In the case of products taken off at the side in the enrichment section of a distillation apparatus, which areusually taken off in liquid form, the side products still contain proportions of low-boiling components which are normally taken off at the top. An analogous situation applies to products taken off at the side in the stripping section, which are usuallytaken off in vapor form and still contain proportions of the high boiler. When using such conventional side offtake columns, contaminated side products are virtually always obtained, so that the use of side offtake columns is unsuitable for theisolation of pure substances. For this reason, it is generally necessary to use column assemblies comprising at least two separate columns, especially for the isolation of intermediate-boiling pure substances from multicomponent mixtures. An advantageous alternative is provided by dividing wall columns. The use of dividing wall columns likewise makes it possible to isolate side products, i.e. intermediate-boiling components, in pure form from multicomponent mixtures. Individing wall columns, a dividing wall is installed in the middle region. This extends above andView doc
Method For Purifying And Separating A Krypton-xenon Mixture By Rectification And A Device For Carrying Out Said Method - Patent 8088258S This application is a U.S. national phase application of a PCT application PCT/RU2006/000699 filed on 26 Dec. 2006, published as WO2007/078212, whose disclosure is incorporated herein in its entirety by reference, which PCT application claimspriority of a Russian Federation patent application RU2005/141204 filed on 29 Dec. 2005.FIELD OF THE INVENTION The invention relates to cryogenic engineering. More specifically, the invention pertains to refining and separating a krypton-xenon mixture obtained at air-fractionating installations, and can be used in chemical, oil, and gas producingindustries.BACKGROUND ART AND OBJECT OF THE INVENTION Known in the art is a method for refining and separating a krypton-xenon mixture by rectification including: delivering the mixture in a preliminary separation column to form a krypton fraction and a xenon fraction, purifying each fraction byrectification to remove volatile and high-boiling components with the formation of a phlegm in evaporating condensers, due to the boiling of liquid coolant coming from a storage and from a cooling cycle, reception and pumping a production krypton andxenon in the cylinders (patent RU 22265778, 2005). The known method does not allow clearing production krypton and xenon from radionuclides, for example, from products of the radioactive decay of radon, contained in an initial mixture, and also this method is rather expensive.BRIEF DESCRIPTION OF THE INVENTIVE METHOD An object of the invention is to obtain krypton and xenon, cleared from radionuclides, for their use, for example, in the medicine and in order to enhance the efficiency. The object is achieved by providing an inventive method for purifying and separation a krypton-xenon mixture by rectification. The inventive method comprises: supplying a krypton-xenon mixture into a rectification column of preliminaryseparation of the mixture into krypton and xenon fractions, the column including an evaporator-condenser in its lower region and a sView doc
Solar Distillation System - Patent 8088257FIELD OF THE DISCLOSURE The present disclosure relates generally to a solar distillation system, and more particularly to a system for solar distillation of non-potable water, particularly in large quantities, to obtain potable water.BACKGROUND OF THE DISCLOSURE Rain patterns throughout the world are not readily predictable or reliable and irrigation from ground or riparian water is often the main source of agricultural water. Similarly, industrial and municipal water systems rely on these sources. Furthermore, hydraulic models predict diminishing water availability per individual over the next 25-50 years, with the greatest losses being in those areas now considered arid or semiarid. Desertification, the process of non-dessert becoming desert, isincreasing, not only in China and north Africa, but in the United States where more than 30% of the land west of the Mississippi shows signs of desertification. Thus, even on our blue planet which is covered over three fourths of its surface with water,less than 1% is potable. The present system is especially suited to producing fresh or potable water from sea water in west coast deserts in the rain shadow created by cold ocean currents offshore (e.g., the Sahara, Namibia, Australia, et al.). It is applicable in manyother areas as well. The present system may be implemented to provide large quantities of water from salty water to supply irrigation, industrial and municipal water by using inexpensive material, already widely available at low costs throughout theworld with minimal energy required and simple operation and upkeep. Attempts have been made in the past to provide solar stills capable of producing relatively large quantities of potable water. These attempts have proven to be costly and inefficient and have failed at producing large quantities of potablewater. Therefore, a need exists for an improved solar distillation system.SUMMARY OF THE DISCLOSURE In certain embodiments, a solar distillation system compriView doc
De - Download as PDF1. Field of the Invention This invention relates to devices for separating entrained liquid from vapor. In particular, this invention relates to de-entrainment trays used in distillation towers, especially with respect to hydrocarbon processing. 2. Discussion of Related Art Separation units, such as atmospheric distillation units, vacuum distillation units and product strippers, are major processing units in a refinery. Atmospheric or vacuum distillation units separate crude oil into fractions according to boilingpoint so downstream processing units, such as hydrogen treating or reforming units, will have feedstocks that meet particular specifications. Crude oil separation is accomplished by fractionating the total crude oil at essentially atmospheric pressureand then feeding a bottoms stream of high boiling hydrocarbons, also known as topped crude, from the atmospheric distillation unit to a second distillation unit operating at a vacuum pressure. The vacuum distillation unit typically separates the atmospheric unit bottoms into gas oil vapors based on boiling point, including light gas oil, heavy gas oil, vacuum gas oil, and vacuum reduced crude. The vacuum reduced crude is also knownas residuum or "resid" and leaves the vacuum distillation unit as a liquid bottoms stream. In atmospheric or vacuum distillation, lighter hydrocarbons are vaporized and separated from relatively heavier hydrocarbons so that they can be fed downstream for catalytic processing. Although the heavier hydrocarbons do not vaporize, theymay be carried into the lighter hydrocarbons due to entrainment. The entrained heavier hydrocarbons are typically contaminated with metals, such as vanadium or nickel, which can poison the downstream catalytic processing, such as hydrotreating,hydrocracking, or fluid catalytic cracking. In vacuum distillation, bottoms separated from crude oil by an atmospheric distillation unit are fed to a flash zone in the lower portion of the vacuum distillation uView doc
Process For Producing Allyl Alcohol - Patent 8083903The present invention relates to an azeotropic distillation method. More specifically, the present invention relates to an azeotropic distillation method comprising a reaction step and a distillation step for separating and refining (orpurifying) reaction product(s), wherein a portion of the reactant is supplied to the distillation step so as to improve the separation performance of the azeotropic distillation, in a system in which a reactant (or raw material for reaction) acts as anentrainer (or auxiliary agent) for the azeotropic distillation in the distillation step, whereby the energy required for the separation may be reduced.BACKGROUND ART An azeotropic phenomenon takes place in a combination of two or more components which may provide a maximum azeotropic point or a minimum azeotropic point. In an "azeotropic distillation" utilizing the azeotropic phenomenon, when a substance(generally called an "entrainer" or "auxiliary agent") capable of forming an azeotropic mixture with at least one of any of at least two substances, which are difficult to be separated from each other by simple distillation or fractional distillation, isadded to the mixture comprising the above-mentioned at least two substances, the separation performance of the distillation may be improved. Examples of the industrial fields in which the azeotropic distillation is applicable, may include: a step forproducing allyl alcohols through the hydrolysis reaction of allyl acetate (Patent Document 1 and Patent Document 2), or a step for purifying 2,3-dichloro-1-propanol (Patent Document 3). Patent Document 1 discloses a method for collecting allyl acetate from an azeotropic mixture comprising allyl acetate (which is one reactant component for a hydrolysis reaction), water, and allyl alcohol (which is a reaction product), through anextraction operation. However, in this Patent Document 1, all of the amount of the collected allyl acetate is supplied to the reaction step, and Patent Document 1 doView doc


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Exhibitors - Please join us for the 9th Annual MaMHCA Job and Career Fair this coming May 8, 2015 - the only Job Fair to focus exclusively on mental health positions.
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1999 Ford Torino • 90,000 miles
The heater is blowing cold air & we have changed the thermostat but it still blows cold. What else could be the problem.
October 28, 2012.
October 28, 2012.
Check the actuators in heater box, eitehr for a vacuumleak or not getting power.
Oct 29, 2012.
Oct 29, 2012.
Well I,m freezing my butt off ! Anyway the heater motor works but it blows out cold air as well as luke warm but when I,m going down the road, there must be a hole somewhere under the ...
10 answers • 1991 Ford Tempo • 150,000 miles
My car heater only just warms up a little when running round town and stays cold on long run .temp gauge says tempreture ok .fan cuts in approx after just half way .coolant in expansion...
1 answer • 1998 Vauxhall Astra • 91,000 miles
I replaced my radiator and thermostat after the old radiator cracked, but I used a Gates 180° thermostat instead of the OE 170° thermostat. Since installing it 3 days ago, I've only ...
10 answers • 1995 Nissan Altima • 130,000 miles
In my 2007 saturn relay my rear heater works great, but the front heater only blows cold air..... there is plenty of coolant, the heater and a/c works in the back of the vehicle, and ...
5 answers • 2007 Saturn Relay • 68,000 miles


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"Kroll Ontrack wanted to remain in Secaucus because of the strong mass transit system, as well as access to the Lincoln Tunnel and major highways," said Sean Brady of Cushman & Wakefield's East Rutherford, N.J. office, who teamed with Tim Gibson of the firm's New York office, to represent the tenant.
"The company did consider the entire Meadowlands market, and there were a number of opportunities,"
Kroll Ontrack provides a range of services, including data recovery, computer forensics, information management, and more. The Secaucus operation includes data center labs focused on computer forensics, primarily serving the region's legal communities.
Owned by Rego Park, N.Y.-based Samson Management, 300 Meadowlands Parkway is a six-story, 126,000-square-
"With Bank of America vacating over 50,000 square feet at the end of 2012, the landlord has put his best foot forward to maintain the quality of the asset while implementing an aggressive concession package for new tenants," said Recine. "The activity has been substantial, and we believe we will have the space spoken for before the end of the year."


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|ISSN 1088-6842(online) ISSN 0025-5718(print)
Perfect multiple error-correcting arithmetic codes
Abstract | References | Similar Articles | Additional Information
Abstract: An arithmetic code is a subgroup of , with the arithmetic distance , for , for . A perfect e-error-correcting code is one from which all , are within distance e of exactly one codeword. Necessary and sufficient (assuming the Generalized Riemann Hypothesis) conditions for the existence of infinitely many perfect single error-correcting codes for a given r are known. In this paper some conditions for the existence of perfect multiple error-correcting codes are given, as well as the results of a computer search for examples.
Retrieve articles in Mathematics of Computation with MSC: 11T71, 94B40
Retrieve articles in all journals with MSC: 11T71, 94B40
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Mod Review on Dec 16th, 2013
An excellent Half-Life 2 mod with a level of quality that makes it feel as though it was taken from the game itself.
Mod Review on Aug 30th, 2012 - 3 people agree 2 people don't
All in all a very Knight Rider mod for GTA: SA. Still not super stable in my experience (which is understandable as it's in beta) and some features don't work perfectly, but the fundamentals are firmly in place (turbo boost FTW!) and overall it seems very nice. : DD
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On Sunday's new episode of True Blood, Hoyt and Jessica will fight; Pam will confront Bill over what Marnie did to her face; and a TV Fanatic favorite will re-appear.
To whom are we referring? And what advice does this individual have for Eric? Find out below - and then return later in the day for a rundown of the True Blood panel at Comic-Con.