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Payday Lending News
The latest news on payday loans and the payday lending industry from the Center for Responsible Lending.
- Pesky Fees That Could Surprise You Are Out There, And They Can Add Up In a Hurry
Detroit Free Press 03 May 2012
Although most consumers are familiar with annoying fees, many of them often go unnoticed. In Michigan, for example, lenders can charge a 45-cent verification fee for each payday loan transaction verified through a state database that makes sure individual consumers do not take out too many loans at the same time. Failure to repay the loans on time also attracts fees. Payday lenders can charge a returned check fee of $26.88, regardless of whether the loan was for $100 or for $600. "People can get into trouble because this can snowball into a bigger problem," according to Lisa Ross of the Michigan Office of Financial and Insurance Regulation. Some credit unions and banks charge fees of up to $5 for mail returned from an invalid address, so consumers should promptly update their addresses if they move. When buying or selling a home, the average home inspection should run about $350 to $700, but some places will try to charge as much as $1,000. Some scams try to charge individuals $20 to claim a fake sweepstakes prize, a practice that the Federal Trade Commission is cracking down on. There are also fees associated with secured credit cards, such as for raising the credit limit or a processing fee. Consumers looking to buy a car should also watch out for inflated documentation fees.
- Bank Regulator Urged to Stop Community Choice Financial Inc., Going Public May 8, From Using Prepaid Card Payday Loans to Evade State Law
U.S. Politics Today 03 May 2012
The National Consumer Law Center (NCLC) has issued a press release that sounds the alarm on an emerging predatory financial practice: providing payday loans on prepaid cards. Specifically, when Arizona imposed a 36 percent interest rate limit on payday loans in 2010, payday lender CheckSmart dodged the regulation by offering cash advances on prepaid cards issued through Florida-based Urban Trust Bank. It also has started to provide the loans, which bear annual percentage rates of 390 percent and greater, in Ohio -- which in 2008 limited payday interest to no more than 28 percent. NCLC and more than two dozen other consumer groups have responded with a letter to the Office of the Comptroller of the Currency, in which they press the regulator to stop Urban Trust Bank from issuing prepaid cards sold by CheckSmart in Arizona, Ohio, and other states where CheckSmart cannot legally make direct loans. "Prepaid cards and payday loans just don't mix," according to NCLC's Lauren Saunders. "Prepaid cards should be safe alternatives to bank accounts, not vehicles for evading state law with predatory loans that trap people, often those with the least means, in a spiral of debt."
- Texas Cities Take Action to Regulate Payday Lenders
Texas Tribune 03 May 2012
City councils throughout Texas are ramping up efforts to regulate payday and auto title lenders -- which critics say drag borrowers into a cycle of debt -- but are being met with opposition from industry lobbyists. Governments in cities that include Dallas, Austin, San Antonio, Brownsville, and Irving all have passed zoning ordinances to limit the growth of these businesses in their jurisdictions. Legislators pushed through statewide regulations in 2011, but many city councils did not find them comprehensive enough. Under the state law, payday and auto title lenders must post a visible schedule of fees in their businesses. Meanwhile, a dozen U.S. states have banned payday lending altogether; and others have capped the maximum loan amount, but that amount remains unlimited in Texas. While the Texas Constitution forbids annual rates of interest of more than 10 percent, payday lenders get around this regulation and charge as much as 500 percent interest by registering as "credit service organizations." Ann Baddour of the nonprofit advocacy group Texas Appleseed says, "There was a huge push to have some consumer protection ... that would reduce the cycle of debt and the huge charges that are part of [the payday and auto title lenders'] business model. Nothing that directly addresses the business model passed the Legislature last session. The cities have felt the pressure to take action." They are getting wide support from a number of statewide religious organizations, including the Texas Catholic Conference and the Texas Baptist Christian Live Commission.
- Dueling Bills Aim to Reform Payday Lending
The Valley Breeze 02 May 2012
Two bills in Rhode Island's General Assembly could reform check cashing laws there and limit the annual percentage rate charged on payday loans. State law currently allows up to 260 percent annual interest for short-term loans, a practice often called "predatory." Rhode Island is the only state in the Northeast that allows the high-interest loans. Seventeen states plus the District of Columbia have imposed annual rate caps of about 36 percent. The two Rhode Island bills, meanwhile, have stalled in legislative committees. House Bill 7588 would reduce the permitted amount of interest for payday loans to 130 percent annually, but many say the measure does not do enough to protect consumers. Rep. Frank Ferri (D-Warwick) sponsored the other proposal, which would reduce the rate cap to 36 percent. A corresponding bill in the state Senate, S-2307, has 26 signers.
- Initiative Organizers Optimistic Issues Will Get on Ballot
Columbia Daily Tribune (MO) 02 May 2012
Organizers collecting signatures for petitions to put new payday lending restrictions and minimum-wage requirements on the November ballot say they will submit nearly 300,000 signatures on May 5 -- about three times as many as required -- despite an estimated 5,000 signatures being stolen from a vehicle owned by the executive director of one of the organizers. Assuming that all signatures are deemed valid and the measures go on the ballot on election day, voters will decide whether to cap interest rates on payday loans at 36 percent. They also will cast their ballot for or against a proposal to up the minimum wage to $8.25 per hour.
- Payday Loan Limits Advance
Delaware News Journal 02 May 2012
Legislation to regulate payday lending in Delaware passed the state House on May 1 and is moving to the Senate, where it has bipartisan backing. If passed, the new law would limit the number of short-term, high-interest loans a borrower can obtain in a 12-month period to five transactions of up to $1,000 each. The proposal also would establish a database in the Banking Commissioner's Office to track the number of payday loans and how they are repaid. Lead sponsor Rep. Helene Keeley (D-Wilmington South) and other House Democrats have tried unsuccessfully to pass a payday lending reform bill for about 12 years. Kent County Republican Sen. Colin Bonini, a co-sponsor of HB 289, said the bill has a good chance in the Senate.
- Santa Clara County Supervisors Ban New Payday Loan Shops
Marin Independent Journal (CA) 01 May 2012
On May 1, supervisors in California's Santa Clara County unanimously approved a ban on new payday loan shops in unincorporated areas. The move came after numerous consumer advocacy groups and the public decried the industry for charging excessive fees and trapping low-income and minority borrowers in a nasty spiral of debt. While the city has just one payday lender on unincorporated land, the ban will remain in place until the county's permanent ordinance takes effect in June. The council is expected to consider ordinances for the industry at an upcoming meeting.
- Keep Out Payday Lenders: Pa. Should Not Let Them Prey on Our Most Vulnerable Citizens
Pittsburgh Post-Gazette 30 Apr 2012
Under a new bill being introduced in the Pennsylvania Legislature, payday lenders would be able to obtain an exception to the state's Consumer Discount Company Act, allowing previously banned short-term lenders to return to the commonwealth. House Bill 2191 argues that to ensure that consumers do not borrow money from online payday lenders from different states, they should borrow from in-state, regulated lenders. The bill is being touted as a "consumer protection" measure. Industry lobbyists claim that active military families would have special protection, even though federal laws already protect military families from nefarious payday lending activities. While the interest on the proposed bill would be capped at 28 percent, the excessive fees would likely add up to hundreds of percentage points. The bill claims to limit roll-over loans. However, it allows borrowers to take out new loans the very next day. Despite the industry's best efforts, it is clear that the four components that define payday and predatory lending would remain intact: exorbitant rates, short payback periods, balloon payments, and automatic transfers.
- Profits Are the Reason for Fees, Not Risk or Costs
New York Times 29 Apr 2012
Consumer advocates have been warning American consumers to avoid check cashers and payday lenders by placing their money in a bank. However, they are changing their tune as some banks have become just as bad. While overdraft fees have been a problem for a while, now some banks are also making account advances, which are very similar to payday loans. The short-term loans often come with triple-digit annual percentage rates and the ability for the bank to repay itself by taking money out of the consumers' bank account. The trend of banks offering such short-term loans is spreading, leaving vulnerable members of society such as working families and the elderly to pay the price. While the banks claim the fees are due to the risk they must take to lend to consumers with poor or no credit, the loans are incredibly profitable, allowing banks to reap billions in profits every year.
- San Jose Planning Commission Approves Payday Lending Curbs
Santa Cruz Sentinel 26 Apr 2012
In California, the San Jose Planning Commission tightened its proposed restrictions on payday lenders after hearing two hours of public testimony. The proposal will be considered on May 15 by city councilors. It calls for a minimum one-quarter-mile distance between payday lending establishments, an increase from the 500-foot restriction originally proposed. Also under the changed proposals, no new payday businesses would be allowed into low-income census tracks. City staff will provide council members with information on how to pursue a cap on the number of payday lenders. Across the state, an increasing number of cities and counties are trying to place restrictions on payday lenders. San Jose currently has 38 payday lending stores.
- Chasing Fees, Banks Court Low-Income Customers
New York Times 26 Apr 2012
Large U.S. banks increasingly are striving to land low-income customers with alternative products that can bear high fees -- including prepaid cards, check-cashing services, and short-term emergency loans -- partly because such products are largely excluded from recent financial regulations. Kimberly Gartner of the Center for Financial Services Innovation says unbanked ...
- City Council Votes to Restrict Payday Lender Growth
Your News Now 26 Apr 2012
City councilors in Austin, Texas, have approved legislation to limit where payday lenders can open a business. Short-term loan outlets will not be permitted to open within 1,000 feet of another similar business or within 200 feet of an interstate. The decision came after a coalition of Austin faith leaders voiced its support, due to congregants suffering from high interest rates. The Austin Catholic Diocese said about $1 million in charity has gone to Texans who owe a debt to payday lenders.
- Credit Union Short-Term Loans a Payday Lending Role Model: CUNA
Credit Union Times 24 Apr 2012
The credit union short-term lending model is in line with the Consumer Financial Protection Bureau's mission of protecting consumers from predatory payday lenders, according to Credit Union National Association (CUNA) assistant general counsel Luke Martone. CUNA presented the position to CFPB as a response to the agency's January field hearing on payday lending in Alabama. CUNA considers the National Credit Union Administration's Short-Term, Small Amount Loan program a template for responsible payday lending. Under the initiative, credit unions are restricted to principal amounts between $200 and $1,000, six-month maximum terms, application fees of no more than $20, and a restriction against rolling over the loan. State-chartered credit unions are not eligible for the program, though some offer similar programs.
- San Jose and Santa Clara County City Leaders Push for Curbs on Payday Lending
Santa Cruz Sentinel 24 Apr 2012
In California, South Bay officials are looking to rein in payday lending. This week, San Jose planners will consider a proposal to bar payday lenders from establishing their businesses in low-income neighborhoods. Next week, Santa Clara County supervisors will decide whether to make permanent a temporary freeze on all new payday lending stores in unincorporated areas. Although many states and the U.S. military are eliminating or restricting payday lending, the California Legislature has allowed the industry to grow. The number of payday storefronts has declined in the state in recent years, but the number of payday loans swelled from 10 million to 12 million between 2006 and 2010 and the number of customers increased from 1.4 million to 1.6 million. Many local communities are trying to amend land-use and zoning laws to make it more difficult for payday loan businesses to set up stores. In San Jose, city leaders are considering measures just short of a total ban. The current proposal stipulates that new payday business applicants would be blocked from moving into low-income neighborhoods but could open elsewhere in the city, staying 500 feet from other payday lending establishments. However, Ginna Green, spokeswoman for the Center for Responsible Lending, argued that the city already has 38 payday shops and that officials should impose stricter measures.
- Payday Lenders Up Their Contributions to Candidates
Washington Post 19 Apr 2012
Battered by negative press and anticipating further scrutiny from the Consumer Financial Protection Bureau (CFPB), the payday loan industry is spending more money on lobbying and political candidates this election cycle. According to the group Citizens for Responsibility and Ethics in Washington (CREW), 11 big payday lenders and the industry's two trade associations hiked their spending on lobbying to $4.5 million last year from $730,000 in 2005. One of the trade groups, the Financial Service Centers of America, relocated its headquarters to Washington in 2011, indicating a growing focus on federal regulation. The top three political recipients of industry money, meanwhile, also are vocal critics of the CFPB: Rep. Jeb Hensarling (R-Texas), chairman of the House Republican Conference; Sen. Richard Shelby (R-Ala.), his party's top-ranked member on the Senate Committee on Banking, Housing, and Urban Affairs; and Rep. Spencer Bachus (R-Ala.), GOP chairman of the House Financial Services Committee. In 2010, the three top recipients of industry money were Democrats, who controlled the House at the time.
- Bill Could Allow Payday Lenders Back Into Pa.
Pittsburgh Post-Gazette 18 Apr 2012
A bill introduced in the Pennsylvania House of Representatives would make it legal for out-of-state payday lenders to set up operations in the commonwealth. HB 2191 was introduced by Rep. Chris Ross (R-Chester) and now has the bipartisan support of more than 50 House co-sponsors. Although it does incorporate some consumer protections, the measure essentially would sanction a form of high-interest lending not permitted under current state law. Diane Standaert, legislative counsel for the Center for Responsible Lending, is visiting Pennsylvania to meet with community groups to draw attention to the bill and the risks of trapping low-income consumers in a cycle of high-interest debt. Ross said in a memo that the bill will include "the strongest consumer protections available in other states that regulate the practice." These include limits on loan size, restrictions on fees and interest, upfront disclosures, and limits on the ability to "roll over" loans. Interest rates would be limited to 28 percent on payday loans, but the bill also allows for an origination fee of 10 percent of the principal amount loaned and a $15 "verification fee" on each loan. Standaert said that, for a $300 payday loan due in full in two weeks, that would be the equivalent of an annualized rate of 419 percent. About eight legislators have recently withdrawn their sponsorship of the measure.
- Report Rips Banks on 'Payday' Loans
Minneapolis Star Tribune 17 Apr 2012
Besides storefront and Internet payday lenders, four major U.S. banks also participate in the fast-cash industry, charging interest rates up to 365 percent, alleges a new report by Minnesotans for a Fair Economy. The banks -- Wells Fargo, Fifth Third, Regions, and U.S. Bank -- sometimes charge even higher fees and interest rates for emergency loans than payday lenders, according to the report, but they use their charters help them avoid the regulation that governs the payday sector. They also have become more aggressive in marketing their products, says Uriah King of the Center for Responsible Lending. Representatives from Wells Fargo and U.S. Bank say the banks do not offer payday lending but do have services called "checking account advances" or "direct deposit advances," available only to people who have checking accounts with them and make regular direct deposits. They claim to charge straightforward fees for these loans and do not calculate an annual percentage rate (APR) on interest. According to Minnesotans for a Fair Economy, a $500 advance repaid over a typical 10-day term would cost $50 at U.S. Bank, the equivalent of an APR of 365 percent, and would cost $37.50 at Wells Fargo, amounting to an APR of 274 percent. State law caps the fees that can be charged on payday loans, depending on the amount. For loans between $350 and $1,000, the limit is 33 percent annual interest plus a $25 administrative fee. Minnesota Attorney General Lori Swanson already has sued eight non-bank Internet payday lenders for charging unlawfully high annual interest rates of up to 782 percent.
- Advocates Say U.S. Bank, Wells Fargo Loans Prey on Low-Income Borrowers
Minnesota Public Radio 17 Apr 2012
US Bank and Wells Fargo target low-income customers by charging lofty fees on short-term loans, according to a report by Minnesotans for a Fair Economy. The fees, the group claims, are equal to or even higher than those from traditional payday lenders. Minnesotans for a Fair Economy has asked Wells Fargo and US Bank to discontinue the loans. Currently, customers at US Bank and Wells Fargo can obtain one of these loans if they have a bank account in good standing and receive paychecks, Social Security checks, or other income via direct deposit. Customers can request up to $500 in a cash advance -- which the banks will deduct, plus fees, from the next direct deposit. US Bank charges $2 for every $20 borrowed, a 10-percent fee; while Wells Fargo charges $1.50 for every $20. A US Bank customer would pay $10 in fees for a $100 cash advance. If the loan is paid back in 10 days, the fees equal a 365 percent annual interest rate, the report calculates. A 2011 report by the Center for Responsible Lending found that customers who rely on payday loans are in debt for an average 175 days a year. The banks offer certain limits on these loans; but some consumer advocates say these are ineffective and have called on federal regulators to ban bank payday loans. Banks are not required to follow state regulations that restrict traditional payday lenders.
- Los Altos Moves Against Pay Day Loan Operators
Los Altos Patch 13 Apr 2012
The Los Altos, Calif., city council voted unanimously on April 10 to impose an "urgency" ordinance that prevents payday lending and check cashing businesses from opening up in the city for a period of 45 days. There are no businesses of that type currently in Los Altos, nor any requests for new business licenses for payday lenders. However, speakers told the council that a tide of payday lending companies is flowing into California to take advantage of the state's most financially vulnerable. The average payday borrower takes out 10 loans annually -- largely due to the triple-digit loan rates, which set up a cycle in which borrowers who cannot repay a loan before the next payday must take out another loan to cover the first. City staff will compose legislation in the next 45 days and begin to send it through the approval process.
- Missouri's Appeal Aims to Preserve Initiative to Cap Payday Loan Interest
Kansas City Star 11 Apr 2012
The Missouri secretary of state's office has said it will appeal a judicial ruling that invalidated the summary it drafted for a ballot initiative to limit payday loan interest rates. Cole County Circuit Judge Daniel Green said the summary being circulated was "inadequate" and "likely to deceive petition signers." Additionally, he rejected the cost estimate generated by the office. If the ruling is not overturned, any signatures collected to get the measure on the ballot would be deemed null and void. The Missourians for Responsible Lending are moving forward with the petition campaign in hopes that the signatures collected will count. The secretary of state's office declared that the summary fairly and accurately describes what the measure would do: cap the annual interest rates on payday, car title, and other short-term loans at 36 percent.


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Ahrefs.com FAQs
1 What is Ahrefs.com?
Ahrefs.com is an independent tool for SEO analysis with a wide range of features. It is designed, first of all, for SEO specialists and site owners but may be of interest to other concerned Internet researchers.
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subset: commoncrawl


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Second, churches must contact their political leaders. In DC, the Missionary Baptists are leading the way with a postcard campaign, calling for a vote from the people to decide on this important issue. Other groups (such as the Progressive Baptists) are mobilizing. Hopefully, the Southern Baptists (whose lobbying influence is huge) will stand up and be counted. Nationally, church headquarters from every denomination must start a letter writing and lobbying campaign to key congressmen.
Until now, church activism has rarely been multi-racial and multi-ethnic. Yet, the recent victories of marriage amendments in Arizona, California, and Florida have demonstrated a new model for moral and political engagement. As part of this new unified approach, black churches must communicate with the Congressional Black Caucus. Hispanic leaders must also contact the Hispanic Caucus.
Finally, there must be grassroots mobilization and education. The most effective blocking mechanism to foil the advances of gay marriage has been informed grassroots voters, especially when they threaten to throw politicians out of office.
There have been 29 votes in states across the country as to whether gay marriage should be legalized. In every vote, the people have reaffirmed their support for traditional marriage, rejecting the prospect of legalizing gay marriage. The important reasons why a majority of voters oppose same-sex marriage often do not get fully reported and discussed during a contentious campaign, where the news reports tend to be of the "he said/she said" variety.
Supporters of same-sex marriage have recently begun to frame their case by saying that religions should not be forced to solemnize any marriages that are inconsistent with their faith, but that the state should grant civil marriages to all in the name of "equality." They claim that you can separate civil marriages from religious marriages cleanly and simply. But you can't.
For the vast majority of our citizenry, marriage does have spiritual elements that cannot be easily ignored. The institution of marriage, which predates our country by thousands of years, brings together the two halves of humanity to form mutual sacred commitments. This has been taught by virtually every faith to every generation of humankind.
Now, because gay activists have succeeded for the first time in making marriage a political issue, we are being told to put aside thousands of years of history and the teachings of almost every faith community and simply accept same-sex marriage in the words of San Francisco Mayor Gavin Newsom "whether you like it or not."
Over 300 gay-affirming clergy will descend on Washington for two lobbying days, May 4th and 5th. They intend to let their voices be heard in the halls of Congress, advocating for every piece of legislation that zeroes in on gay interests. This same group will undoubtedly make major campaign contributions along with their requests for help. These kinds of lobbying efforts mean that biblically faithful churchgoers and conservatives must engage more than ever before. We cannot just assume that since the majority of citizens believe like us that our elected officials will simply do the right thing. We must let our voice be heard loud and clear…now!
Bishop Harry Jackson is chairman of the High Impact Leadership Coalition and senior pastor of Hope Christian Church in Beltsville, MD, and co-authored, Personal Faith, Public Policy [FrontLine; March 2008] with Tony Perkins, president of the Family Research Council.
Whether Gun Violence or Abortion Violence, Harming Innocent Human Life Is Always Wrong | Ryan Bomberger
TPP Would Authorize Obama to Set $15 Minimum Wage, Card Check, and CO2 Emissions Regulation—All By Executive Fiat | Michael Hammond
The Heart of the Pro-Life Movement Is a Heart of Compassion: A Response to Colorado | Congressman Diane Black
McCain: Let's face it, Trump's rhetoric is turning Muslims all over the world against us | Allahpundit


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Coalwood, West Virginia, located in McDowell County, was a company owned town founded by George Lafayette Carter in 1905.1 6
The first inhabitants of the area had founded the community of Snakeroot at the junction of Wolfpen Branch and Clear Fork Branch, and the post office was established on September 20, 1869.1 6 The Coalwood post office was founded on March 12, 1903, the same year that Carter founded the Carter Coal Company purchased 20,000 acres of land for the underground coal reserves.
In 1904, work began on constructing the West Virginia Southwestern Railway from its junction with the Norfolk & Western Railroad at Gordon along the Tug Fork west of Roderfield.4 5 The 9.93-mile branch was completed to Coalwood on April 10, 1905,. It was operated by the Norfolk & Western as their Clear Fork Branch. The first shaft coal mine opened in 1914.
In 1922, Carter sold the mining operations and Coalwood to the Consolidation Coal Company. Consolidated Coal constructed a larger clubhouse,1 and owned the property until March 16, 1933 when it went into default.1 3 6 Carter regained control of the mine and town until his death three years later, when it was assumed by his son James.
In 1924, the first mines at Caretta opened. The mines were later unionized in 1933, which led to some tension in 1945, when Carter refused to sign a standard union contract.1 6 What followed was weeks of intense debate and argument until the U.S. Navy was sent in to put the workers back to work due to the onset of World War II.
In 1947, the coal operations and town were sold to a group of industrialists from Youngstown Sheet & Tube Company, Interlake Iron Corporation, and the Steel Company of Canada who renamed the company to the Olga Coal Company, founded December 22. In 1956, the Coalwood mine was connected to the Caretta mine, which was also owned by Olga. Just three years later, all coal was being shipped via the tipple and processing plant at Caretta, and the operations at Coalwood were closed and later dismantled.1 6 Beginning in 1959, the Norfolk & Western Railway began dismantling the Clear Fork Branch.
In 1980, the Olga Coal Company was purchased by the LTV Corporation, and the Coalwood mine was closed six years later.1 6 At that time, the houses and businesses were still company owned – one of the last in the United States, and were sold to the respective residents and business owners.
At its height, Coalwood had over 2,000 residents and had a diverse housing stock, schools, company stores, churches and medical services.3 Dental services were free, thanks to Carter hiring a doctor and subsidizing the costs of treatment.2
- "History Timeline." Coalwood, West Virginia. N.p., n.d. Web. 5 Apr. 2011. Article.
- Hickam, Homer H. October Sky. New York: Dell Publishing, 1998. Print.
- McGehee, Stuart. "Historic Coalwood." Goldenseal Summer 2001: 52-56. Print.
- Virginia State Corporation Commission. "Norfolk and Western Railway Company History." Annual Report. Vol. 6. Richmond: n.p., 1909. 696. Print.
- "General Remarks: Branches and Extensions." Ninth Annual Report, Norfolk and Western Railway Company. Vol. 9. Philadelphia: Allen, Lane & Scott, 1905. 13. Print.
- Schust, Alex P. "Coalwood (Snakeroot)." Billion Dollar Coalfield. Ed. Linda Graves. Harwood, MD: Two Mule Publishing, 2010. 408-412. Print.


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How can something you DIDN'T do be a flop? Sure, Microsoft-Watch has captured some of our…how shall I put this….less great moments but not doing a version of Linux? Does that really count? Several of the others featured in PC World's 25 Worst Tech Products of All Time so I think a more unusual list would have been the Top 10 cool stuff Microsoft has done. I suspect that doesn't make as good copy but here is my starter for 7….wanna help me add 4 more?
[UPDATE 1] nice to see The Guardian agrees with me :)[UPDATE 2] well this little post has generated a good bit of interest. What do I add….ummm, Flight Sim Pivotal Tables, .NET Framework, intellisense, Small Business Server. Choices, choices. I'm going to sit on them for a few days and then decide which to add. (hoping I get more!!). Maybe folowing that I'll do the list Matthew asked for on ten worst Microsoft things. Does the speed that free fruit from our pantrys disappears :) ?


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Newegg.com - A great place to buy computers, computer parts, electronics, software, accessories, and DVDs online. With great prices, fast shipping, and top-rated customer service - once you know, you Newegg.
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Newegg.com - Computer Parts, Laptops, Electronics, HDTVs, Digital Cameras and More!
Press Release
Mushkin Enhanced announces new Callisto Deluxe Solid-State Drives.
ENGLEWOOD, Colo., June 22 /PRNewswire/ -- Mushkin Enhanced, (www.mushkin.com), a global leader in high-performance computer products, announced today the release of a new solid state drive series, Callisto deluxe™. The Callisto deluxe Series offers new improvements that increase the drives' IOPS (input/output operations per second) to up to 50,000.


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Businesses for Sale
Office Space Available for Sale or Rent: Contact Jeff Schmid at (402) 367-3251!
Restaurant Space for Sale or Rent
Exciting opportunity for a cozy restaurant,cafe, coffee, cake shop, etc. located right on the David City Square!
Building is equipped with a commercial refridgerator, commercial mixer, 6-bay warmer, ice cream machine, hot dog machine, cake display, and utensils.Long bar, booths, and tables provide seating options for 30-40 patrons.
Available at a budget-friendly investment for sale or rent! This is a great space for folks looking to break into the restaurant industry in a family-friendly community!
Matt Schumacher


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Home > News > New rules to help patent office settle inventors' disputes
January 20th, 2005
New rules to help patent office settle inventors' disputes
Nanotechnology innovators may avoid getting bogged down in legal disputes over who was the first to invent something with the recent reissuing of rules by the U.S. Patent and Trademark Office. The rules are intended to speed up the process used to resolve instances where two parties apply for a patent covering the same invention.
|Related News Press
A new form of real gold, almost as light as air November 27th, 2015
Medical and aerospace electronics powered by Picosun ALD November 26th, 2015
MIT mathematicians identify limits to heat flow at the nanoscale: New formula identifies limits to nanoscale heat transfer, may help optimize devices that convert heat to electricity November 25th, 2015
Physicists explain the unusual behavior of strongly disordered superconductors: Using a theory they developed previously, the scientists have linked superconducting carrier density with the quantum properties of a substance November 25th, 2015
Patents/IP/Tech Transfer/Licensing
Electric fields remove nanoparticles from blood with ease November 24th, 2015
Calling All Industries: Get Your Graphene By The Kiloton November 21st, 2015
Nanotech-based sensor developed to measure microRNAs in blood, speed cancer detection November 19th, 2015
Arrowhead Late-Breaking Clinical Data Shows that ARC-520 Can Produce Deep and Durable Reductions of Hepatitis B Viral Antigens and DNA November 16th, 2015
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Take a look at the entire new and used automobile stock of Waterloo Dodge dealers at Autobytel.com Search for new or used cars in a variety of different ways including by: year, make, fuel economy, price, or location. It is simple to locate Dodge dealers in Waterloo. Choosing what car to buy can be tough. Proper research is necessary to get the most for your money. See the inventory Waterloo Dodge dealers currently have on-hand.
Cyberspace has become the first place that car shoppers look when starting the car buying process. Do not waste an entire day by driving to every Dodge dealer Waterloo. A better way to browse automobile listings from Dodge dealers in Waterloo is to visit Autobytel; which has hundreds of autos listed in your area. There is a ton of data on current cars and those that are out-of-production. You can compare multiple vehicles at once. And see the MSRP of a new or preowned car. This is just the tip of the iceberg. The Autobytel website is packed with additional information. Find the technical specs of a car, crash test results, entertainment options, and engine details just to name a few. Search for Waterloo Dodge dealers with one easy click of a mouse.
A Dodge dealer Waterloo can do more than just sell you a car. Waterloo Dodge dealerships should have a leasing branch too. There will be a massive amount of factory car parts on-hand at a Waterloo Dodge dealer. Free maintenance is offered on some new car purchases. And most Dodge dealers in Waterloo will service your automobile for free if covered. Waterloo Dodge dealers have certified mechanics that can fix any automobile even if the car is out-of-production. There are other assets offered by a Dodge dealer Waterloo including a body shop and a certified pre-owned sales department.
Its easy to leave your comments about Waterloo Dodge dealerships at the Autobytel website. Find out how people feel about their experience at a local dealer. This could be a saving grace. A Waterloo Dodge dealer definitely wants to make a good impression on any car shopper. Make sure to do proper diligent research in order to find the best Dodge dealers in Waterloo. This analysis can go along way in saving you time and money.


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Relight kits can replace obsolete systems and offer energy-efficient recessed lighting components that quickly and easily install into existing fixtures while eliminating the need to enter the ceiling plane. The one-to-one fixture replacements come in LED or fluorescent options and won't cause disruption to businesses during a retrofit.
They also eliminate the visually uncomfortable checker-board or cave effect created by parabolic and lensed troffer systems, offering a more soothing light for increased productivity. By generating less heat, they also reduce air conditioning loads.
In a climate control emergency, you can trust Sunbelt Rentals to provide expert solutions for all of your cooling, heating and dehumidification needs. 24/7. Nationwide.
Spot Coolers commercial portable heating & cooling. Nationwide Emergency service 24/7. Your source for portable air conditioning rentals and sales.
The BUILDINGS brand serves commercial building owners and facilities management professionals for commercial real estate. BUILDINGS brand offers its audience of commercial building owners and facilities management professionals information on the development, construction, modernization, management and operations of commercial buildings as well as the products and services needed to support such commercial buildings and facilities management. With the information we offer, we help facilities management professionals make smarter decisions for commercial buildings.
BUILDINGS delivers relevant and timely information that equips commercial building owners and facilities management professionals with the knowledge and support they need to solve critical issues; energy management, lowering operating costs, new products for commercial buildings, security, and much more.
BUILDINGS provides facilities management professionals commercial buildings tips and trends trough online webinar events (BuildingsVIP), monthly newsletters, whitepapers and case studies.
In addition to content, BUILDINGS features a comprehensive list of products and services and is your link to the companies that provide these valuable facilities management and commercial buildings resources.
You also have the opportunity to maintain your commercial buildings certifications with BUILDINGS. Continuing Education Units are available with approved content from BOMI.
©Copyright 2014 Stamats Communications, Inc. All rights reserved / BUILDINGS


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I'm a really happy person who loves to laugh and enjoys being social and active. I love to host get togethers with my friends, I'm always looking for great live music, and planning my next great adventure is always a high priority (this year it's a bike tour of Iceland).
What I'd love to find on this site is an adventurous person that's up for pushing me beyond my comfort zone...You only live once :)


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The third annual ALS Awareness Halloween Game was a huge success as the Oklahoma baseball and softball teams teamed up Thursday night.
Eleven new arms enter the fold for the Oklahoma baseball pitching staff in 2016.
Oklahoma baseball coach Pete Hughes and softball coach Patty Gasso have teamed up to host the Third Annual Halloween Game, October 29 at 6pm.
The Oklahoma baseball Fall World Series was won by Team World in a 5-4 walk-off as World erased a four-run deficit.
Jake Elliott pitched 5.2 innings of one-run ball and Hunter Haley went 4-for-5 with four RBI to lead Team Texas to an 11-1 win over Team World.
Team World came out for nine early runs en route to a 10-6 win over Team Texas in the Oklahoma baseball intra-squad Fall World Series.
Head coach Pete Hughes announced the Sooners' 2016 schedule on Monday afternoon. Oklahoma opens the season February 19 vs. Northeastern.
The University of Oklahoma baseball team defeated the Ontario Blue Jays, 16-3, at L. Dale Mitchell Park on Sunday afternoon.
The Oklahoma baseball team will host the Ontario Blue Jays in an exhibition game on Sunday and begin its Fall World Series on October 12.
Follow the Sooners on their journey to 19 Ways; a community service initiative to impact the Norman/OKC area.
Head coach Pete Hughes has announced the addition of Rudy Darrow to the Oklahoma baseball coaching staff as the team's volunteer assistant.
University of Oklahoma head baseball coach Pete Hughes announced the arrival of a 22-player incoming class on Monday afternoon.


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Brooklyn Nets
Seth Wenig/Associated Press
News about the Brooklyn Nets, including commentary and archival articles published in The New York Times.
Nets Edge Past the Pistons With a Late Surge
The Nets scored the final 6 points after trailing by 2 with 1 minute 21 seconds remaining for the win at home.
November 30, 2015, Monday
Late Shot by James Pushes Cavs Past Nets
The Nets slipped to 1-10 on the road with the loss in Cleveland.
November 29, 2015, Sunday
Thunder Win as Nets Sink at End of a Seesaw Game
Kevin Durant scored 30 points, and Oklahoma City pulled away in the fourth quarter of a game with frequent lead changes.
November 26, 2015, Thursday
Nets' Disastrous Deal With the Celtics Keeps Getting Worse
The 2013 trade with the Celtics for Paul Pierce and Kevin Garnett may not be the worst in Nets history, but since future draft picks are involved, there is still time.
November 24, 2015, Tuesday
Warriors Top Nuggets; 15-0 Start Ties Record
Brook Lopez and Jarrett Jack combined for 55 points to lead the Nets over the Celtics, who had beaten them by 25 points two days earlier.
November 23, 2015, Monday
Nets, Stung by Blowout, Get Revenge on Celtics
Brook Lopez and Jarrett Jack combined for 55 points to lead the Nets over the Celtics, who had beaten them by 25 points two days earlier.
November 23, 2015, Monday
Movie Studios Turn to Athletes to Create a Buzz
Major film studios arrange free private screenings for athletes on the road in the hope they will promote the movies on social media. The teams see the outings as a way to build camaraderie.
November 21, 2015, Saturday
Celtics Have Big 2nd Quarter On Way to Blowing Out Nets
Avery Bradley and Isaiah Thomas led the Boston Celtics to a 120-95 win at home over the struggling Nets on Friday night.
November 21, 2015, Saturday
Nets Let Opportunities Slip in Push for Late Comeback
Nicolas Batum had 24 points and 8 assists, and the Charlotte Hornets held off the visiting Nets, 116-111, on Wednesday night.
November 19, 2015, Thursday
Free Throws Carry Nets Over Hawks
Brook Lopez had 26 points, and Thaddeus Young hit two free throws with 1.4 seconds left to give the Nets a home victory over Atlanta.
November 18, 2015, Wednesday
Video Notebook: Heat Top Nets in Game 4
Brooklyn's Deron Williams discusses the possession that led to a Chris Bosh 3-pointer with just under a minute left in the game that gave the Heat the lead for good.
Video Notebook: Guarding LeBron James
Brooklyn's Paul Pierce talks bout guarding Miami's LeBron James on a night he tied a playoff career high with 49 points.
Video Notebook: Nets' Defense Steps Up
Brooklyn's Deron Williams talks about the Nets' defensive effort against the Heat's LeBron James in the second half of Game 3.
Video Notebook: Nets Beat Heat in Game 3
Brooklyn's Kevin Garnett talks about how the Nets were able to defeat the Heat at Barclays Center in Game 3 of their series.
Video Notebook: Game 7 for Nets-Raptors
Alan Anderson talks about the expectations of the Nets playing the Raptors in Toronto for Game 7.
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Devlin's Pointe Apartments2735 Westminster Circle, Allison Park, PA 15101
- Call for rates
- 1 - 3 Beds
Note : Prices & Availability Subject To Change
Note : Prices & Availability Subject To Change
Close to here, there and everywhere!
Located in Hampton Township near the Pennsylvania Turnpike, Devlin's Pointe, a James A. West Company, offers affordable elegance with quick access to Downtown Pittsburgh via Route 28. The neighborhood is located just minutes from UPMC Passavant Hospital, as well as a number of general and specialized medical practitioners along route 8. Nearby shopping,like Ross Park Mall, day care facilities, places of worship, and only minutes from North Park provide the Devlin's Pointe Community with a variety of neighborhood convenience and comforts. Devlin's Pointe residents are served by the excellent Hampton Township School System. Please call us today to set up a tour of your new home!
Devlin's Pointe is located in the Pittsburgh Area in the 15101 zip code. View this apartment on a map.
Why You'll Love Us
Hampton Township, easy commute via Rt. 28 to Downtown Pittsburgh. Close to Rt. 8 and minutes from North Park and UPMC Passavant Hospital. Sharpsburg, Strip District, Lawrenceville, Bloomfield, Children's Hospital, Northside, Allegheny General Hospital. Downtown Pittsburgh and all the entertainment and sporting events that the city has to offer.
Professionally Managed By: James A. West Company
Community Features
- Over 100 years of Management excellence
- Convenient to Turnpike & Route 28
- Unique Floorplans / vaulted ceilings
- crown molding /thermo pane windows
- heated swimming Pool
- 24 hour Fitness Center
- Gas Log Fireplaces*
- Cats Welcome
- Comcast Internet, Phone and Video
- 24 Hour Maintenance
- Apply online for pre-approval
Floor Plan Amenities
- Washer/Dryer in Unit
- Walk-in Closets
- Patio s & balconies
*Note: In Select Units
Pet Policies
Cat: Up to 2 are permitted
- All Cats.
- The $350 deposit is non-refundable. The $30 pet rent is per month per pet.
- Restrictions: Cats Only Allowed.
- Deposit: $350.00 Rent: $30.00