text:
Transcription from video completed in August 2012, using pre-recorded footage of Stephanie Kwolek from 2007 and original interview with Neil Gussman from February 2012. Learn more about Stephanie Kwolek and additional resources connected to the film.
The thing that impressed me most was I loved learning. And I loved learning new things and making discoveries.
Chapter 1. Stephanie Kwolek: Curiosity and the Discovery of Kevlar
Stephanie Kwolek was born in 1923 near Pittsburgh to Nellie and John Kwolek.
When I was a child, I was a very creative child. I watched my mother sewing and making patterns. I imitated, actually, what she did, except that I had all these paper dolls; and I remember, uh, just lying on the floor and drawing, making costumes for these paper dolls. And, of course, when I was slightly older, then I made actual clothes from fabric.
I used her sewing machine when she wasn't around; it was fun, and it was creative, and it gave me a great deal of satisfaction.
While her mother encouraged creativity and even a future in fashion design, her father was a naturalist and inspired Stephanie's curiosity about the outdoors.
I had a father who was very much interested in plants and trees. He and I spent a lot of time just roaming through the woods looking for animals and snakes and leaves and wild plants, and I put all these things in a scrapbook.
I, of course, got help from him as to names for all these things. And I watched him. We grew vegetables and flowers and so forth; so it was almost like living on a farm. I remember seeing my father when he would come home from work sit and read the newspaper and books and so forth.
I spent four years, in grades one to four, in a public school, and it was a small school in the country. A lot of the classes were a combination of two classes.
That was quite an experience (laughs) because if you spoke out of turn, as I did once upon a time, you could make a lot of boys very angry, especially if you knew the answer to a math problem—and you spoke up.
What you really did was you learned two grades at one time. I really found it an advantage.
You know, I did much more reading than was intended for someone in my years. In addition, I had an excellent memory, and I could remember everything I read for several pages at a time (laughs) so that I was very fortunate that way.
I was different from a lot of the students there. This probably made me what I am today.
Chapter 2. Where Creativity Meets Chemistry
In 1942 Stephanie enrolled in the Carnegie Institute of Technology—now Carnegie Mellon University—as a chemistry major.
I think when I was in college that I was greatly influenced by a woman professor that I had who taught me chemistry—Dr. Clara Miller. You know, it was not an easy time for women then.
It surprised me that, uh, she was as enthusiastic as she was. And she also was very bright. She had a great deal of influence over me—more so than the men teachers did. (laughs)
In fact, during her first year working at the University of Pittsburgh the faculty there invited her to join a panel and present her current work, an appointment that pleasantly surprised the young chemist.
I considered myself very green, but they were asking a number of people there to give a talk. And it really surprised me that they asked me to give a talk on my work. So I thought to myself, "You know, I must be pretty good." (laughs)
I was interested in a number of careers, and I thought that I might be a designer, a dress designer. Then I thought I might be a teacher. Then I thought I might be an M.D. doctor. But I didn't have the money to become a doctor.
In 1946 she graduated a Margaret Morrison chemistry major with a bachelor's degree and got directly to work earning her way closer to her dream.
And I thought, "Well, I'll go out and work, save my money, and then I'll go to medical school."
When I entered the workforce in 1946, not many women were being hired, but the few that were, were hired because there were so few men available. They were at war or just coming back from war.
So, uh, women were being made offers, and many women did not stay very long; and particularly women with Ph.D.s in chemistry—they left after about two years and went into teaching.
I was stubborn, and I decided that I was gonna stick it out and see what happened.
When I graduated from college, I had a choice. I could work for Gulf Research, or I could work for DuPont. I thought if I was gonna work, I wanted to do research, and I thought DuPont had greater potential, even though I didn't expect to spend the rest of my life there.
At DuPont, Stephanie joined a team of chemists called the Pioneering Research Laboratory, just a few years after DuPont's monumental creation of the world's first synthetic fiber: nylon.
I started out immediately doing research, of course under a supervisor. And I, uh, still intended to go to medical school. But, uh, eventually the work became so interesting, and I had the opportunity to make discoveries.
I made up my mind then that I would stay with the work that I was doing, particularly since I found it very satisfying.
Well, I would say that I discovered that chemistry was the field I wanted to be in when I actually started working for DuPont.
I was very fortunate that I worked under men who were very much interested in making discoveries and inventions. They were very much interested in what they were doing, and they left me alone (laughs). And I was able to experiment on my own, and I found this very stimulating. It appealed to the creative person in me.
Chapter 3. "I seem to see things that other people do not see."
In 1965 there was talk of a gasoline shortage. So DuPont issued its researchers a challenge: look for the next-generation high-performance fiber to take the place of steel wire in tires because lighter tires would ensure better fuel economy.
I was assigned to look for this super-strong, super-stiff, but lightweight fiber. In the course of that work I made a discovery.
I was working with these very long-chain, extended, uh, they're called extended-chain polymers, where you had a lot of benzene rings in them.
They were difficult to dissolve, and I found a solvent, uh, to dissolve them in—and the solution was very peculiar. It was not the typical polymer solution, which is sort of like syrup. But instead, this was a very thin solution; it was very watery. Not only was it watery, but it was opalescent.
Transforming a polymer solution from a liquid to a fiber requires a process called spinning. A spinneret forces the liquid through tiny holes to create strands, then spins them—similar to the way cotton candy is made—to build the fibrous material.
The fellow who does the spinning looked at it and said, "This solution is too thin; it's too watery; furthermore, it has particles in it, and it's gonna plug up my equipment." And actually what it was doing was interpreting the opalescence there as particles.
I filtered this solution, and I knew there were no particles in it, and he still refused to spin it. So I think eventually after a few days—he had a guilty conscience or something (smiles)—and he came and said he would spin that thing. We spun it, and it spun beautifully.
It was very strong and very stiff—unlike anything we had made before. I knew that I had made a discovery. I didn't shout "Eureka!" (laughs) but I was very excited, as was the whole laboratory excited, and management was excited, because we were looking for something new. Something different. And this was it.
DuPont Kevlar fiber makes hundreds of household and industrial items safe and cut resistant. It's lightweight and extraordinarily strong—five times as strong as steel.
Best known for its use in ballistic and stab-resistant body armor, Kevlar has heroically helped to save the lives of thousands of people around the world.
From vehicles and industrial clothing to fiber optics and city roads, Stephanie's persistence in the lab back in 1965 has led us to a new world by inspiring unimaginable possibilities.
I really did not think of the bulletproof vest. We had Dr. Joe Rivers who at that time was already looking for fibers to use to, uh, in making bulletproof vests.
And I remember the very first time that I spun the 1-4B that he came over and he said, "If you can possibly spare a tiny bit of that fiber, I would like to test it and see if it'll be useful in a bulletproof vest."
It's the vest, you know, it's made up of many layers. It isn't just a single layer of cloth.
I'm Sergeant Neil Gussman of the Second of the 104th Aviation, Fort Indiantown Gap, Pennsylvania.
In 2009 our unit deployed to Iraq. Before we went everybody got a Kevlar vest and a Kevlar helmet because they're our primary personal protection.
No matter where we are we have to have our helmet and vest with us and our weapon. It's not full protection, but it's way better than what we used to have.
I first enlisted in 1972, and back then they didn't have Kevlar vests and they had steel helmets. And while the steel helmets had some advantages, compared to a Kevlar helmet they just didn't work as well at stopping shrapnel.
In fact, four-pound helmets lined with Kevlar are up to 40% more resistant to shrapnel than old steel helmets.
Today's ground troops—as well as most journalists—must wear helmets and vests lined with Kevlar for vital body protection.
Essentially, the weave of the fabric has a bit of give and absorbs the blow of a high-velocity object, distributing its force across the other fibers instead of being pierced by it.
A lot of what happens in Iraq or any other war is fragments. I mean, there's explosions, and both fragments from the explosive itself and anything that's blown up in an explosion gets thrown around.
So if a car explodes, uh, pieces of the car, pieces of the engine become shrapnel, and Kevlar is great at stopping these flying chunks of metal. And a Kevlar vest and helmet cover most of your upper body and your head. But it protects your vital organs from damage.
STEPHANIE (voiceover)
When a bullet hits this vest, it's slowed down and finally stopped as it meets the fabric made of Kevlar.
A low-velocity bullet like a pistol, or for pieces of metal flying through the air, it'll bend but not break. And that means that the fragment doesn't get through. You get bruised, but you don't have a piece of metal going through you, which is a huge difference.
And you can more confidently go places, you know, dangerous places, both as any kind of first responder, police officer, firefighter, or in a war zone because you know that you and your buddies are protected.
STEPHANIE (voiceover)
When I look back on my career, I'm inspired most by the fact that I was fortunate enough to do something that would be of benefit to mankind. It's been an extremely satisfying discovery.
I don't think there's anything like saving someone's life to bring you satisfaction and happiness.
Stephanie was the only chemist at DuPont to do this kind of work without a Ph.D. She worked with a bachelor's degree throughout her career.
In 1995 Stephanie was inducted into the National Inventors Hall of Fame, only the fourth woman to earn this prestigious honor.
Stephanie has retired from chemistry and currently lives in Delaware.
Follow the adventures of eight leading women in chemistry and celebrate their life-changing, chance-taking, thrill-seeking love of science.
Learn more about women's contributions to science through CHF's Women in Chemistry oral histories.
Listen to career insights and stories of scientific adventures from women in chemistry.
Core Memory Plane
©2010–2016 Chemical Heritage Foundation


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Anunnaki, Nibiru created a stable genetic stock, eventually became so numerous some of us were expelled from the Annunaki city centers
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[quote:Aikan:MV8xOTk4NTIyXzMzNTcyMDIwXzk3OTg3Mjc3] snuck into the garden that he had once had dominion over. and there he found a beast. and he took the beast aside, and he gave him the knowledge, the knowledge of 'knowing each other'. and he taught one male what he could enjoy with the female... and you have to understand, that prior to this time, all mating, all unions of the beast were absolutely controlled, by the gods, by the technicians, by lord ea himself at some point.. [/quote]
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Ea Enki Enlil were inhabitants of the planet Nibiru that passes through our solar system every 3,600 years.
They are part of the Anunnaki race inhabiting Nibiru.
As the planet Nibiru gets close, on its eliptical orbit,
the inhabitants of that high technology planet came here to look for gold to spread in their atmosphere.
By the way, are you aware that earth is the only planet that has gold? start at 2:45 minutes..
link to www.youtube.com
the lord of creation prince ea fled to africa and there he began his experiment anew.. this experiment started about 2 million years ago. and he tried once again to create a new andama, a new beast with a little more intelligence, a little more awareness, and being a little more perceptive..
in time however, the experiment known as adama, prince ea could no longer stand the abuse. he could no longer stand the outright ruthlessness which with the lord of the command, the lord of the word was dealing with the animals, dealing with the beasts. and so, on one given evening, a very fateful night, the lord of creation, prince ea..
snuck into the garden that he had once had dominion over. and there he found a beast. and he took the beast aside, and he gave him the knowledge, the knowledge of 'knowing each other'. and he taught one male what he could enjoy with the female... and you have to understand, that prior to this time, all mating, all unions of the beast were absolutely controlled, by the gods, by the technicians, by lord ea himself at some point..
in order to get the appropriate offspring, one had to have the right male with the right female. all matings were controlled. all matings were scheduled. no deviation would be permitted or the experiment would be ruined. prince ea, the genesis scientist wore on his sleeve the logo of all the genesis scientists..
the primitive beast who looked at these dna strands on the sleeve. the beast looked at these intertwining stands of dna and he saw snakes.
..and so as lord of the genesis scientists, as lord of the creation, as lord of the serpents, prince ea.. snuck into the garden and he exposed the beast to the knowledge of knowing each other.
and the beast, for one moment in its miserable and wreched life, could be of the gods.. the beast that worked in the mines and worked until death was able to have a moments pleasure..
he had the way of the gods at his hands.. he was able to make a choice.. and so the beast began to spread the knowledge, the ilicit knowledge. and the lord of command, the lord of the word. walking in the garden one day, noticed that there were two beasts mating. the ultimate sin. the blasphemy and the sacrilege. the ruining of the experiment. who knows what kind of offspring would be born? of an uncontrolled, unscheduled, unsupervised mating. and so he immediately had the offending beasts thrown out of the garden.
he discovered that in fact there were other beasts who were enjoying the knowledge of the gods, the wisdom of the gods, the ablility to have pleasure at any moment. and they were tossed out of the garden. the lord of the word got extraordinarily upset.. and he began to pass new commands. the first edict that he issued was that his brother, the lord of creation would henceforth never be allowed in the garden. and that anything and everything that was attributed to him would be considered to be evil.
prince ea, in breaking the very backbone of the rules of the system, by destroying the breeding experiment, personified evil. in the syrian and orion star systems, that which has the greatest evil. the greatest connotation of evil, is that which was anti-system. prince ea personified the worst, the most henous crime that one could commit.
In the creation story that we are all familiar with, it is prince ea, the lord genesis scientist, the lord of creation. the very one who created man in the very beginning. the one who wanted the experiment to achieve destiny, to achieve free will.
it is that very same lord of creation who went in and gave man an opportunity to get kicked out of the garden.
all offending beasts were removed and the lord of the word labeled anything and everything that was connected with lord ea as evil. the commands for all the beasts were then once again renewed. the first command, thou shall have no other lords before me. prince ea is no longer the lord of creation.
any and all of his technicians are no longer the lords. 'I am the one and only lord, so sayeth I, the lord of the word.' Henceforth, all beasts must attend on the 7th day, they must attend one of my houses inwhich they will praise me. they will promise to obey me. they will follow my every command. and pledge undying loyalty to only me. so sayeth I, the lord of the word.
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He's not a household name like his colleagues Michelangelo or Da Vinci. Piero de Cosimo wasn't like them in a lot of way. For one thing, unlike his contemporaries who worked on commission, Cosimo painted mostly for himself, famously saying that he found inspiration in stains on walls.
And even when he painted on commission, his imagery came out like no other. His portrait of the noblewoman and a Medici's mistress, Simonetta Vespucci, is bare-breasted – something unheard of in Renaissance portraits. Contrast the painting of Simonetta to the one of Mona, painted only a dozen years later, and you know how offbeat Cosimo's work was. Throw in Simonetta's necklace entwined with two black snakes and her ornate hairdo, and the unadorned Mona she's not.
A retrospective of Cosimo's work coming to the National Gallery of Art in Washington in February is billed as the first-ever comprehensive show of his paintings. Called "Piero di Cosimo: The Poetry of Painting in Renaissance Florence," the show offers 40 works on subjects both heathen and holy.
Ultimately, Cosimo's work is vintage Renaissance in that he represents states of mind along with well-formed bodies. But he was thought a weirdo in his day. Reclusive and disinterested in everyday tasks such as food preparation, he was known to live on boiled eggs, cooking up to fifty at a time while boiling his glue to make best use of the fire.
He was often so focused that when a topic was being discussed, it was necessary to go back to the beginning and restate everything for him. And he was known for never being happy unless wrapped in his own thoughts.
It goes without saying that he couldn't stand for anyone to see him work. On one occasion, when he refused a patron's request to see the progress of a painting, the patron threatened to withhold payment. Piero countered with his own threat to destroy what had already been done, which forced the patron to his will.
To hear Renaissance historian Vasari tells it, "If Piero had not been so abstracted... he would have won recognition for the great talent he possessed, whereas through his brutish ways he was rather held to be a madman. "
Clearly, Cosimo was born at the wrong time. A couple of years ago, Elite Daily, The Voice of Generation-Y, proclaimed weirdness the new cool. Living in our time, Cosimo would likely be a big get on all the late night talk shows.
NOTE: You might like to read a column I wrote on the Hampton Art Hub about the problems of the Museum of Contemprary Art in North Miami. Here's the link:


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Jess CornaggiaMcDonough School of BusinessGeorgetown UniversityWashington, DC 20057ph: email@example.com
Curriculum Vitae
SSRN Page
McDonough School of Business
Internet Appendix to "Credit Ratings and the Cost of Municipal Financing" with K. J. Cornaggia and R. Israelsen
Internet Appendix to "Revolving Doors on Wall Street" with K. J. Cornaggia and H. Xia
Internet Appendix to "Does Banking Competition Affect Innovation?" with Y. Mao, X. Tian, and B. Wolfe
Internet Appendix to "Do Local Capital Market Conditions Affect Consumers' Borrowing Decisions?" with A. Butler and U. Gurun
Internet Appendix to "Does Regulatory Certification Affect the Information Content of Credit Ratings?" with V. Bruno and K. J. Cornaggia
Internet Appendix to "Credit Ratings across Asset Classes: A Long-Term Perspective" with K. J. Cornaggia and J. E. Hund
I am an Assistant Professor of Finance at Georgetown University's McDonough School of Business. I conduct empirical research in the areas of corporate finance, financial intermediation, credit ratings, and household finance. I teach Applied Financial Management at the undergraduate level. Welcome to my webpage!
Copyright 2010 Jess Cornaggia, Ph.D.. All rights reserved.
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Sure, VEVO's new Android update looks great, but if that's all you noticed, then you're missing the boat. That's because while the new flashy design is commendable, it's the new 24/7 stream of original programming, called VEVO TV, that really makes the update worth getting. The new feature, launched Tuesday at the SXSW conference in Austin, adds a new dimension to the playlist music video format previously used on the app.
The channel is meant to be watched linearly like a cable station, and the programs include music video shows from many different genres, along with live events and original programming like VEVO's "Music Is My Sport".
Of course nothing is free in this world, and that means you will have the inevitable ads and sponsor banners, but they seem to be a lot less intrusive than the ads you've become used to on network T.V.
Along with the update on the Android platform, VEVO TV is also available on iOS and Windows Phone.


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This list of conjunctions will knock your socks off. If you want to get super smart, you should see the conjunctions page.
Quick Refresher
Conjunctions are words that join two or more words, phrases, or clauses.
List of Coordinating Conjunctions
Coordinating conjunctions join sentence elements that are the same. They can join words, phrases, and clauses.
There are only seven of these, and they are easy to memorize if you use the acronym FANBOYS.
for, and, nor, but, or, yet, so
cookies and milk
into the house and out the door
He came and she left.
This sentence diagram shows us that coordinating conjunctions connect two or more elements because the conjunction goes on a dotted line between the things that they connect.
That diagram shows a coordinating conjunction joining two independent clauses. Sentence diagramming rules! Learn to diagram coordinating conjunctions.
Subordinating conjunctions are conjunctions that join dependent clauses to independent clauses.
I will eat broccoli after I eat this cookie.
There are many subordinating conjunctions, so keep in mind that this list does not include all of them!
A after, although, as, as if, as long as, as much as, as soon as, as though
B because, before, by the time
E even if, even though
I if, in order that, in case
L lest
O once, only if
P provided that
S since, so that
T than, that, though, till
U unless, until
W when, whenever, where, wherever, while
You can see that these connect dependent and independent clauses by looking at the sentence diagram. The subordinating conjunction goes on a dotted line between the two clauses. Learn to diagram subordinating conjunctions.
These do the same thing that coordinating conjunctions do except that they are always used in pairs.
This cookie contains neither chocolate nor nuts.
both... and
either... or
neither... nor
not only... but also
whether... or
Sentence diagrams give us a way to show how the words in a sentence are related to each other. They are like little picture of sentences that SHOW you the relationship between the words. Neat, huh?
If you want to teach or learn grammar the easy way, then follow a step-by-step program that clearly lays everything out for you and allows you to move at your own pace. The Get Smart program is presented in a logical sequence, so it's not an overwhelming mishmash of information. Before you know it, you'll be a grammar and sentence diagramming pro!The whole program is online, so you have instant access to these lessons and videos. It's easy and fun. You can get it at www.English-Grammar-Revolution.com/daily-diagrams.html
Elizabeth O'Brien is the creator of Grammar Revolution.
Her lessons are guaranteed to give you more confidence in your communication skills and make you smile. :)
Did you like this list of conjunctions and these sentence diagrams? Good!
Learn more about sentence diagramming! (You'll be happy that you did!)
Read the list of conjunctions? Click here to learn more about them.
Back to English Grammar Home Page


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Recently bought a new laptop (Samsung 700Z) and installed ubuntu 12.04. Most stuff works out of the box, but some details are driving me crazy. I installed the fglrx driver to shut down the fans and also the samsung-tools, so I can change the fan behaviour. But:
Keys for the keyboard backlight do not work also they are mapped in /lib/udev/rules.d/95-keymap.rules. The cd ejection key does not work. Keyboard and screen backlight settings are not stored, so after each reboot, suspend and even screen locks both backlights are set to maximum.
Using acpi_backlight=vendor in grub does not fix that behaviour, it makes it even worse: I cannot set the screen backlight to high values, just about to 30 percent of the possible max. Any help would be very appreciated!


text:
TechCrunch is holding its annual technology conference, TechCrunch Disrupt NY 2014 through Tuesday at the Manhattan Center. Speakers throughout the industry will be on panel discussions posted on the TechCrunch website. Yesterday, Peter Smith, COO, of Blockchain.info and Susan Athey, Professor of Economics at Stanford University took the stage at Disrupt NY 2014 yesterday to talk about the state of bitcoin on the panel event titled: "Magical Internet Currency: Navigating Bitcoin".
Over last few months there have been F.B.I. arrests of major exchanges and the total collapse of Mt. Gox leading to volatility in the value of Bitcoin. The question before the experts was asked: Can Bitcoin weather the events? Smith and Athey focused on the lessons learned from recent events and how not to buy and hold bitcoin.
Smith pointed out that when investors sent bitcoins to Mt.Gox, they moved into a master account and that was the how "not to" have a bitcoin account. The investors relied upon the centralized trust and management responsibilities of CEO Mark Karpeles. How could anyone place fiduciary trust into Karpeles without a system of accounting audit and other transparent procedures in place?
He questioned Xapo and its centralized position as its business model as a question on security for the investor. Smith proceeded to compare what he called the two buckets, centralized management or self-control, pointed to the options of no control to control. Athey and Smith both agreed upon the attention to control and avoiding a centralized pool.
Blockchain COO, Smith, went on in his explanation of the philosophy for management is that a company, such as, Blockchain, provides security and transparency to your bitcoin management with its open-source software. The bitcoin investor has their private keys. This is the investor's control to protecting and accounting for their wallet. Blockchain cannot view a wallet or watch the exchange in and out of the wallet. It is private to the account holder.
Susan Athey, Professor of Economics at Stanford Management School of Business, currently focuses her research on the design of auction-based marketplaces and the economics of the internet, primarily on online advertising and the economics of the news media. She weighed in on the flags that Mt.Gox sent up with its freezes placed on withdrawals. She was not surprised at the failure of the exchange due to its centralized process of keeping bitcoin in that manner.
Athey pointed out that valuation was important when a transaction to buy and sell bitcoin for liquidation was in process. Otherwise she viewed bitcoin in investment holding and applied the valuation tracking to it as such.
Moderator Kim-Mai Cutler asked whether bitcoin startups should get together and create a bitcoin association. Smith supported the job that the Bitcoin Foundation has been doing well in the area of money laundering activities. He believes that the Foundation needs to focus on another area and that is one of consumer protection. Education is an assistance to help the consumer. Smith would like to see the Foundation take a more active role in regulation support, also.
Smith updated questions regarding Blockchain. It has a positive revenue stream that supports a team of twenty and has 1.6 million users. Both Smith and Athey concluded that Bitcoin is here to stay and will continue to impact the world of cryptocurrency.
The Disrupt NY 2014 event will continue through Tuesday and information is found on the TechCrunch website.


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Date: January 01 2013
Queenslanders John Millman and Ashleigh Barty received New Year boosts in the form of wildcards to play in the main draw at this month's Australian Open.
The 23-year-old Millman, who won through qualifying to play this week's Brisbane International, was rewarded by Tennis Australia for a strong year in which he hauled his world ranking up from No.541 to 199 after playing 25 tournaments.
Sixteen-year-old Barty also made a big move in 2012, rising from No.669 to 175.
The 2011 junior Wimbledon champion was excited to get the news of her second Australian Open start at the Hopman Cup mixed teams tournament in Perth where she was teamed with Bernard Tomic for Australia.
"Hopefully I can bring out some of the tennis I've been producing here at the Hopman Cup so far," said Barty, who is coached by Jason Stoltenberg and Jim Joyce.
This material is subject to copyright and any unauthorised use, copying or mirroring is prohibited.
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Adult and Long Term Care Services protect and care for the disabled, frail, and elderly and assist Veterans.
Employment and Benefit Services provide services and benefits to low-income adults and families.
Family and Children's Services protect children from abuse and neglect to keep children safely in their homes.
The Workforce of Santa Cruz County network of Career Centers offers no cost services for businesses, employees, and job seekers.
For more information view the 2016 calendar in English and Spanish.
Find out if you are eligible at the Cal EITC 4 Me website.
Reports of unsolicited calls, requesting personal information, from what appears to be the SNAP CalFresh toll free information line. More information.
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George Dyer, MD
to the Harvard Combined Orthopaedic Residency Website
I am pleased that you are exploring the HCORP Website and hope that
it provides you with an adequate introduction to the program. The
residency has existed for over 100 years and we are proud of the
rich tradition of educating outstanding clinicians and leaders.
The program's strengths are the residents (drawn from medical
schools across the country and world), the numerous world renowned
faculty, the four major teaching hospitals, and its close affiliation
with Harvard Medical School, Harvard School of Public Health, Harvard
College, and Massachusetts Institute of Technology (MIT).
Four Harvard-affiliated teaching hospitals participate in the HCORP
program - Brigham and Women's Hospital, Beth Israel Deaconess
Medical Center, Children's Hospital of Boston, and Massachusetts
General Hospital. These Hospitals and their staff comprise one of
the largest and most comprehensive orthopaedic teaching faculties
and clinically rich patient populations in the country.
Residents in the HCORP program also have access to one of the finest
musculoskeletal research communities in the country. The laboratories
span the continuum from basic science to clinical studies and serve
as leaders in the fields of bioengineering, implant development,
tissue engineering, robotics, molecular biology and gene therapy.
The opportunities are strengthened by ongoing collaborations with
Harvard Medical School, Harvard School of Public Health and MIT.
The cornerstone of HCORP's didactic program is the four hours
of CORE each Wednesday morning after Grand Rounds. Specialty conferences,
journal clubs, surgical skills sessions, and the summer anatomy
course for Orthopaedic residents at Harvard Medical School augment
these faculty and resident-lead lectures. On a more informal basis,
I meet with the residents at least monthly for lunch after CORE
to discuss important issues of concern to the residents. Dr. James
Herndon, the immediate past Program Director will continue to educate
residents about the practice of medicine in today's changing
healthcare environment and to discuss methods of improving patient
safety. Social highlights, of the year include an annual golf outing,
the traditional chief residents parties, and graduation dinner.
As is true of all outstanding educational programs, residents participate
in the evaluation of faculty and the residency program. HCORP has
a Resident's Council with members elected by and from each
class, that meets regularly and that make specific recommendations
to the Program Director. As Program Director, I meet with each resident
at least twice a year to provide formal feedback, make recommendations
of how to improve, and listen to each resident's thoughts
about their educational progress, their career goals, and their
criticisms of the program.
In every aspect of the residency, faculty are guided by the belief
that we must simultaneously provide an outstanding educational experience
for residents and superior patient care. The goal is to educate
the next generation of world-class clinicians, scientists and leaders.
The faculty expect graduating residents to be excellent surgeons,
careful diagnosticians, prepared to continue their lifetime of learning,
and capable of succeeding at any and all opportunities available
to an orthopaedic surgeon. We are proud of HCORP and the long tradition
of graduating orthopaedic surgeons that have served their communities
and our profession. I hope you will consider HCORP for your education.
HCORP is a Partner's residency program. Partner's GME
office offers extensive support for all residents. One of most important
benefits is PORT (Partners Office for Resources for Trainees). This
program assist residents and their spouses manage all of the issues
that arise during residency, from housing issues, financial and
legal advice, to how to find a nanny. PORT is ready to assist applicants
once accepted into a residency sponsored by Massachusetts General
Hospital or Brigham and Woman's Hospital (the Partner's
System) to facilitate their finding housing, moving to Boston, and
the host of other issues that need to be done before actually starting
the residency.
With best regards,
George Dyer, M.D.
Director, Harvard Combined Orthopaedic Residency Program
Feedback | Credits |
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| Home | Welcome | Program Description | Applications & Contacts | | Research | Alumni & Fellowships | Related Links |


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Drone, Skeet, also Designated KD2C-2
The Skeet, also designated KD2C-2, was a pulsejet-powered, air-launched expendable U.S. Navy drone designed for conventional fleet gunnery training. It was unusual in that its pulsejet was internally mounted. The endurance of the drone was 30 minutes and top speed was 300 knots.
The Skeet project was started in 1945 by the Curtiss-Wright Airplane Company, and their first experimental model was produced in 1947. The internally mounted pulsejet arrangement was found unsatisfactory since it produced low speed and high fuel consumption in both wind tunnel and flight tests at the Navy's Missile Test Center at Point Mugu, California. The project was cancelled in 1949. The Skeet was donated to the Smithsonian in 1971 by the U.S. Navy.
Transferred from U.S. Navy
- Country of Origin
- United States of America
- Manufacturer
- Curtiss Aeroplane Company
- Type
- CRAFT-Missiles & Rockets
- Materials
- Overall aluminum, sheets inside reading AA-13 ALCLAD; steel around external plug receptacle on top of body; steel suspension hooks attached to top of fuselage; tips of radar, steel; flush rivets, steel; separate spark plug, ceramic; insulators for radio receiver, ceramic; gauges, two, possibly brass, with glass faces; screw fasteners to panels, steel; hoisting lug, non-ferrous, probably aluminum; larger hoisting lugs on each side, steel
- Dimensions
- Overall: 5 ft. 2 in. tall x 11 ft. 11 in. wide x 17 ft. 4 in. long x 10 ft. 11 in. wing span, 825 lb. (157.48 x 363.22 x 528.32 x 332.74cm, 374.2kg)


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Thank you for your interest in obtaining a position with Technical Hot and Cold. We look forward to hiring the best technicians in Metro Detroit to uphold the standard and reputation of Technical Hot and Cold. Please fill out the employment application form below to help us assess your skills. The information you provide will help us determine a position that best suits your qualifications.
Please enter your contact details and a short message below and I will try to answer your query as soon as possible.


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It is true what they say, dogs are like children that seem to stay young and never grow up. Many of us can follow that way of life and have a more carefree life; except that we as humans have many more stresses than our pooches to deal with. Either way, it is important that your dog does get healthy, happy fun play time each day. You can find so many wonderful things for your dog to play with at your local Rockford-area Petsmart or Petco as listed below or one closest to your home.
Toys and games for your dog are not an option but a necessity. Dogs need to play since it is not only a way to ward off boredom but it stimulates their minds and keeps them active. Some toys will inspire your dog while others may not, so you have to experiment with your pet for things that will keep its interest. It is important to find toys that your dog loves and doesn't tire of. Ensure that you also provide several interactive, challenging toys that makes your pooch uses its brain and thinks out a solution.
When visiting your pet supply store, choose several puzzle-type toys that can provide hours of fun for your pet, whether you are there or not. Most of these toys require that you place treats inside of the toys, enticing your dog to "work at it" until all of the treats are reached and eaten. For daily fun, choose several interactive puzzle toys and switch them off, offering a different toy each day. That way, it appears to be new and fun rather than the same old thing!
Of course, when you are home, interactive fun with your dog is important as well, to include such fun as a brisk walk or jog, tossing a ball or Frisbee, fun in the water or any other activity your pet enjoys. Keeping your pet active with playtime is a way to keep your dog healthy and happy; important for a long, fulfilling life.
Take your dog to the doggy park; Rockford's two locations are Dog Park USA - Rockford or check out this site - Rockford Dog Parks
Rockford area pet parents that are planning your pet-friendly vacation, much great useful information is available at this site - Pet Friendly Travel
If you are looking for wholesome, natural and homemade treats for your favorite canine best friend, Led foot's Pet Bakery near the Rockford area is happy to meet your needs. Check out the website at Ledfoot Bakery. Contact Susan Weitzel at 815 784-6358, Ledfoot Bakery Contact.
If you are seeking Veterinary assistance in the Rockford area, you can check out one of these at - Rockford Vet Clinics, Bellwood Vet, Rockford Veterinarians, Perryville Veterinarian , Cat Veterinarians Specialists
For all your pets needs and accessories in the Rockford area, go to your local PETCO - 6305 East State Street, Rockford, IL 61108, (815) 229-0184 - Petco or your local PETSMART - 6320 East State Street, Rockford, IL 61108, (815) 397-7880 - Petsmart -Petland, (815) 332-4200 - Petland
For many of your pet essentials, visit your local Rockford-area CVS pharmacies. There are four convenient locations - 3134 11th Street, Rockford, IL 61109, (815)398-0048 - 110 S Alpine Rd, Rockford, IL 61108 - 3718 Main Street, Rockford, IL 61103, (815)877-9620 - 2454 S. Alpine Rd., Rockford, IL 61108, (815)399-5421 - CVS Pharmacy


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With around 60 million iPhone users in the US today and more than 80 million smartphone users predicted by the end of 2011 (estimates vary), I have one thing to ask you…
Is your site optimized for mobile?
As the user base of smartphones grows, businesses must adapt.
If your website doesn't load properly on a smartphone, you're leaving a Ginormous demographic behind. Even people who have desktops and laptop computers often use the internet on their phones for on-the-go usage.
Smart is Being Mobile Friendly
For one, you can easily tell your user's browser to adapt its page width to whatever width the device is, using the meta viewport tag (below). That means that whether someone's looking at the screen from a computer, an iPhone, iPad or an Android, they'll all see a web page that fits exactly according to their screen.
<meta name="viewport" content="width=device-width" />
Or, even easier perhaps, you could use a plugin for WordPress. While there are quite a few of them, this is the one that impressed me: WP Touch


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Aug 6, 2014 9:45 AM
The weirdest thing about these David Lynch Leggings ($170) is the fact that they're David Lynch leggings, part of the director's collaboration with Live the Process, a guide all about the "constant quest for balance" which apparently involves buying overpriced activewear. These stretchy bottoms are made out of the limited edition David Lynch Floral, which, after several minutes of staring and zooming in and out in Photoshop, seem to hold no clues - to Laura Palmer's murder or any of the eccentric artist's next moves.
If you've got a product or service that you'd like to promote on Outblush, click here to find out about our advertising opportunities.
Outblush is a blog for girls who love to shop. Our staff digs up the best clothes, home stuff, beauty items, and more. New items are posted every day — bookmark us and check out:


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Join the attack!
Packing and delivering nearly 7,500 Sack Suppers takes the love and support of nearly 250 volunteers each week day -- plus many others who lead food drives, decorate Sack Suppers, and more! How will you be part of the attack on childhood hunger?
To inquire about volunteering at Kids' Food Basket please fill out a volunteer inquiry form below. Kids' Food Basket is unique in that we have volunteer opportunities for individuals, families, and groups ages 5-95. We are thrilled that over 33% of volunteers hours served come from youth ages 18 and under. We ask that volunteers ages 5-16 be accompanied by an adult. Thank you so much for giving your time and talent. We appreciate your support!
Click the link below for the area you would like to volunteer in!
*Muskegon volunteers - Please be advised that creating an account in the VolunteerHub system does not sign you up for a volunteer shift. If you wish to volunteer, please create an account and then register for a time slot that works for your schedule. If you have any difficulties please call Lynn or Sue at the Muskegon office at; (231)747-8575. We appreciate your patience as we transition to our new volunteer scheduling system!
Are you a school group, youth group, or other kids group? Great! We would love for you to volunteer as a part of our Kids Helping Kids program! To volunteer as a kids group, click the button below for more information and to register.
Click below to learn more about volunteer opportunities:
- Sack Supper packing and delivery
- Food and juice box drives
- Trail mix and Snack Sack projects
- Sack Supper decorating
- Other volunteering ideas
Common questions
Do you offer group volunteering?
Yes! We would love to have your company, team, church or other group join us for a volunteer project. We have some groups that come regularly and others that participate in a one-time volunteer project. Please contact us for more details.
Do you offer volunteer opportunities for kids and teens?
Yes! Around 33% of the hours volunteered at Kids' Food Basket come from youth under age 18. We encourage families to volunteer together, and we also offer youth-led volunteering through our Kids Helping Kids program.
Are there opportunities to volunteer off-site (not at Kids' Food Basket)?
Yes! We need your help, and not always at our facility! While many people think about volunteering by packing Sack Suppers, there are many other ways to get involved. You can lead a food and juice box drive, pack snacks and trail mix, decorate Sack Supper bags, and more. If you have a specific idea in mind for a project, please contact us.
Do you need help with administrative support?
Yes! There are many important jobs our staff does each day that allow us to communicate the important information to our volunteers and donors. If you like working with computers and are good with words, this might be perfect for you! Thank you letters, helping with events, volunteer appreciation activities, and database work are just a few ways you can help! Please contact us to learn more.


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The Department of Public Health has made a list of valuable resources available to Massachusetts residents if you are looking to help with the disaster in Haiti.
The 7.0 magnitude earthquake that struck near the Caribbean city of Port-au-Prince in Haiti on Tuesday afternoon was the worst earthquake in the past 200 years. The collapse of buildings and homes has left over 140,000 people dead and thousands more still missing or without a place to live.
Countries all over the world are sending rescue teams to Haiti to help where they are able, but it's going to be a long haul before order is restored. According to information posted by the American Red Cross here's a list of resources so MA residents can help bring relief to the thousands of families that fell victim to such a tragedy:
- The Red Cross is accepting financial donations. Visit www.bostonredcross.org or call 800-564-1234 to learn more.
- Cell phone users may text "HAITI" to 90999 to donate $ 10 to the Red Cross relief effort. Users will see the charge on their next phone bill.
- Families can register the names of people unaccounted for in Haiti on the ICRC Family Links website, www.icrc.org/familylinks. Postings are viewable by the public.
- Hands On Disaster Response is accepting financial donations. Visit www.hodr.org to learn more.
- Volunteers interested in responding directly to Haiti can visit www.hodr.org.
- The Salvation Army is accepting financial donations. Call 617-542-5420 to learn more.
- The Evangelical Lutheran Church of America is accepting financial donations. Visit www.lssne.org for more information.
- HOPE worldwide is accepting financial donations and working with its partners in Haiti to deliver funds. Visit www.hopeww.org for more information.
Keep in mind that the immediate need is for money donated to any established relief organization to best support the victims of the earthquake. Visit www.interaction.org to get a list of credible organizations for international emergencies.


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Ford Earns NCBWA All-America Honors, Lone Ivy League Selection
Princeton junior Mike Ford was named by the National Collegiate Baseball Writers Association (NCBWA) an All-America Third Team utility selection. The pitcher/first baseman is one of 58 NCAA Division I players recognized on the three-team list and the lone Ivy League representative, it was announced Wednesday.
The 2013 Ivy Player and Pitcher of the Year was also named a Gregg Olson Award semifinalist and to the Olerud Two-Way Player of the Year Watch List this spring.
Ford batted .320 (47-for-147) with 38 RBI, 31 walks and six home runs, while going 6-0 on the mound with a 0.98 ERA. In nine starts, he tossed five complete games and a shutout over 64 innings. The righty tallied 32 strikeouts, gave up only seven earned runs and opponents hit .191 against him.
The three-time All-Ivy selection previously was named a 2011 College Baseball Louisville Slugger Freshman All-America.


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Ohio senior U.S. Senator Sherrod Brown will host 40 Ohio college presidents Tuesday in Washington at an education conference focused on strengthening higher education.
The gathering of academics in Washington comes amid reports that show most jobs now and into the future don't require more than a high school education, and the more educated our populace becomes the more wages will struggle to increase for those who land them.
The higher education watering-hole event, to be held at the United States Capitol Visitors Center, is the seventh annual Ohio College President's Conference in Washington D.C. hosted by Sen. Brown, who won his first term in 2006 and was reelected in 2012. The summit meeting will bring attending college presidents to the nation's capital to meet with Members of Congress, Administration officials, and education policy experts to address strengthening our state's higher education system and promoting access and affordability for all students, particularly those from disadvantaged backgrounds.
The keynote speaker for the event will be Dr. Freeman Hrabowski, President of the University of Maryland, Baltimore County, who in 2012 was named one of TIME Magazine's "100 Most Influential People in the World."
Other featured speakers include Rohit Copra, the Student Loans Ombudsman for the Consumer Financial Protection Bureau, run by Richard Cordray from Ohio, and Jamie Studley, the Acting Under Secretary for the U.S. Department of Education.
List of Ohio college presidents attending this year's conference is at the end.
In related news, the story many of those attending Sen. Brown's summit tomorrow may not want to hear is the relationship between education, jobs, and income in these United States these days isn't what it's cracked up to be.
Performed every two years by the Bureau of Labor Statistics, the "projection of job growth in the next decade" study shows that a large majority of jobs now and in the future require no education beyond high school. The carefully compiled BLS data is ignored, according to a post at Working-Class Perspectives [WCP], "leaving the field clear for everybody from the editorial pages of The Wall Street Journal to President Obama to proclaim that 'education is the answer' to economic inequality, poverty, and low wages.
According to the BLS, in 2012 only 22 percent of all jobs required a bachelor's degree or more, and of the more than 50 million job openings the BLS projects by 2022, only 22% will require a bachelor's or more, Jack Metzgar wrote at WCP. He adds, "if all you have is a bachelor's degree, there are only 17 percent of jobs now and 17 percent of job openings projected by 2022 that require that degree and no more. The problem, he says, is that about 32 percent of the population over the age of 25 has a bachelor's, and among young people ages 25 to 34, it is a bit higher at 34 percent. Metzgar concludes that there "are only two jobs for every three persons who have a bachelor's degree, and the number of people getting bachelor's degrees is growing faster than the number of jobs that require that degree – or anything close to it."
In 2012, 26 percent of jobs in 2012 did not even require a high school diploma, and another 40 percent required only a high school diploma. BLS statistics project that by 2022, the situation worsens with nearly a third of all job openings not requiring more than high school. The sad and inconvenient truth is that America's population is overeducated for the available jobs now and into the future.
There is an oversupply of jobs that require high school or less (66%) compared to the 42 percent of people whose education fits those jobs, WCP reported. On the other end of the spectrum, America has an oversupply of people with some postsecondary education (58%) for the 33 percent of jobs that require that level of education.
The Pew Research Center released a study that looks at how income correlates with earnings. The report, "The Rising Cost of NOT Going to College," showed what is already known: high school graduates make $7,000 more a year than those who do not graduate, those with "some college" make an additional $2,000, and those who get bachelor's degrees make an additional $13,000.
More education leads to more earnings, PRC says, adding that unemployment rates and poverty rates, among other indices, also trend toward being better educated. The dark side of this education gradient means that while "there are and will be plenty of jobs for people who do not graduate from high school and for those whose education ends with a high school diploma, these jobs generally pay miserable wages – almost uniformly less than $30,000 a year, and most much less."
The dilemma now and in the future is that if all or most 18-year-olds go to college, the conditions of economic inequality, low wages, and poverty are not solved. If anything, things could become worse.
How does that work?
The increasing imbalance of supply and demand—more college graduates than jobs that require them—puts downward pressure on the wages of jobs that require higher education and ensures that more college graduates will be forced to take jobs that do not require college, WCP wrote based on a fuller understanding of both the BLS and PRC reports.
Pew found that more than one-third of the recent college graduates it surveyed were currently working in jobs that do not require any college. Likewise, as more college graduates take jobs that require only high school, more high school graduates are forced to take jobs that do not require a high school diploma, and those who did not graduate from high school have great difficulty finding and keeping any job.
"It's a perfect formula for cheapening all labor," Metzgar wrote, adding, "More and more education is required to attain a decent standard of living, but as more and more people gain higher levels of education, they further flood those higher-paying job markets, leading to lower average wages and living standards for everybody."
In separate news on the education front in Ohio, Ed FitzGerald, the already nominated candidate by the Ohio Democratic Party to challenge incumbent Republican Gov. John Kasich, told an editorial board recently that the best way to help the state's economy grow is to invest more in education. In an interview with the editorial board of the Cincinnati Enquirer, FitzGerald said the state should consider universal preschool, which he says would cost the state about $500 million a year.
"That's a lot of money, but you'd have to say, 'Compared with what?'", FitzGerald, a former FBI agent and Ohio mayor said, according to the Enquirer. "If you (don't) spend $200 million on failing, for-profit, online charter schools, you're almost halfway there."
1. Fred Finks, Ashland University
2. Mary Ellen Mazey, Bowling Green State University
3. Denvy Bowman, Capital University
4. Barbara Snyder, Case Western Reserve University
5. Bonnie Coe, Central Ohio Technical College
6. Cynthia Jackson-Hammond, Central State University
7. Jo Alice Blondin, Clark State Community College
8. David Harrison, Columbus State Community College
9. Alex Johnson, Cuyahoga Community College
10. Mark C. Gordon, Defiance College
11. Laura Meeks, Eastern Gateway Community College
12. Cristobal Valdez, Edison Community College
13. Thomas Chema, Hiram College
14. Debra L. McCurdy, James A. Rhodes State College
15. Roy Church, Lorain County Community College
16. Joseph W. Bruno, Marietta College
17. Ann Schiele, Mount Carmel College of Nursing
18. Dorey Diab, North Central State College
19. Jay Gershen, Northeast Ohio Medical University
20. Mark A. Smith, Ohio Christian University
21. Peter Cimbolic, Ohio Dominican University
22. Roderick J. McDavis, Ohio Universtiy
23. Rock Jones, Ohio Wesleyan University
24. Joseph A. Alutto, The Ohio State University
25. Kathy A. Krendl, Otterbein University
26. Kevin Boys, Southern State Community College
27. Para Jones, Stark State College of Technology
28. Jerome Webster, Terra Community College
29. Grafton Nunes, The Cleveland Institute of Art
30. Katherine Fell, The University of Findlay
31. Roger Sublett, Union Institute & University
32. Santa J. Ono, University of Cincinnati
33. Barbara Gellman-Danley, University of Rio Grande
34. Lloyd Jacobs, University of Toledo
35. Bradley Ebersole, Washington State Community College
36. Jim Reynolds, Wilmington College
37. Grant H. Cornwell, College of Wooster
38. David Hopkins, Wright State University
39. Ikram Khawaja, Youngstown State University
40. Paul Brown, Zane State College
The news article Ohio college presidents to attend Sen. Brown's DC education conference appeared first on Columbus Government Examiner.
Subscribe. It's ALWAYS free. Send news or tips to email@example.com. Join me on Google+, Pinterest or Twitter, or watch my 60 Second Ohio videos on YouTube.


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Extracurricular Activities
At Covenant, we desire to have a school life that is vibrant and joyful. We want our students to find wonder and delight in their academic studies and to have opportunities to explore and develop other interests as well.
After-school extracurricular opportunities for Covenant students may include:
- Sports
- Basketball
- Dodgeball
- Indoor Soccer
- Volleyball
- Cross Country
- Track & Field
- Fine Arts
- Choir
- Symphonic Band
- Dance/Ballet
- Drama
- Photography
- Art
- Scrapbooking
- Spanish
- Greek
- Certamen
- Lego Robotics
- Film as Literature
- Creative Writing
- Book Club
- Chess
- Debate
- Young Authors
If you have talents that you would like to contribute to an extracurricular activity, please contact us. We welcome parent input and participation.


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Update 7/23/14: WBIR News has reported that Tazzie has been found and she is in good condition.
According to Tuesday's 11 Alive News, a man who was travelling from Charleston, S.C. to Colorado ran into trouble late last week when he got a flat tire along the way and his dog disappeared after teens stole his vehicle.
The problems began last Thursday when Michael Buckley's Ford Explorer got a flat tire in Atlanta, Ga. After stopping to make the repair and deciding to secure a hotel for the night, Buckley stopped at a fast food restaurant and asked three teens for directions to the hotel.
After speaking to the teens, Buckley walked to the back of his Explorer to check on his English bulldog, named "Tazzie." Two of the teens jumped into the front of the SUV and drove away.
Buckley described the frantic moment:
I couldn't believe it was happening,"
"I chased after it, I tripped and fell. I must have looked like a fool but all I could think about was my dog."
On Friday, the Atlanta Police found the stolen vehicle in a wooded area behind Washington Park, but Tazzie was nowhere to be found.
Days have passed and Buckley's best friend has still not be found - in an effort to find his missing companion, Buckley has decided to stay in the Atlanta area to continue searching for his missing dog.
Buckley told 11 Alive News:
"You know I don't really want to leave Atlanta until I've exhausted every option finding this dog so I'm here a couple more days at least, hoping she turns up,
Anyone who has spotted Tazzie is asked to call Buckley's mother, who resides in Washington, DC at 202-494-8480. The Fulton County Animal Control is also aware of this situation; information about Tazzie can be called in to 404-613-0358.
If you would like to continue receiving the latest dog-related news, tips and advice, please click the word "Subscribe," near the top of the article. Follow along on Facebook and Twitter for more stories and updates.


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Danni Boatwright Links
Season 1 Complete
Survivor Game
This page will direct you to the latest news and best sites about Survivor: Guatemala Contestant Danni Boatwright
About Survivor Guatemala Contestant Danni Boatwright
Danni Boatwright is from Tonganoxie Kansas and is best known for being the runner-up in the 1996 Miss USA pageant. She also appeared on Star Search at the age of 17 competing as a spokesmodel. Most recently she worked as a sports radio talk show host on 610 Sports in Kansas. Her birth date is July 13, 1975. Danni was the winner of Survivor Guatemala.
News Articles about Survivor Guatemala's Danni Boatwright
People 7/30/12 Life After Survivor: 10 Winners Tell All
Green Bay Press Gazette 8/31/06 Make football fantasy reality
WIBW 8/14/06 Survivor to ESPN?
Lawrence Journal World 7/9/06 Survivors lend a hand at party
Wichita Business Journal 6/6/06 Survivor winner scheduled to speak to sports commission banquet
Toledo Blade 5/13/06 'Survivor' winner relies on God
Toledo Blade 5/7/06 Area women's conference to host winner of 'Survivor'
Kansas City Star 4/10/06 'Survivor' easy compared to scrimmage
News Sentinel 3/22/06 `Survivor' values: Winner sticks to her beliefs
Kansas City Star 3/8/06 Time to stop rocking this Boat
Kansas City Star 3/1/06 Boatwright finds herself caught up in WHB-KCSP drama
Reality News Online 2/16/06 "Never Get Comfortable in the Game": An Interview with 'Guatemala' Winner Danni Boatwright
WIBW 2/15/06 Life Good for Winner out of the Jungle
Access Hollywood 2/7/06 'Survivor' Winner Learns From Hatch's Mistakes
Blue Springs Examiner 2/4/06 Survivor winner on tour, visiting BS
Tonganoxie Mirror 2/1/06 Boatwright named chamber's 2006 Citizen of the Year
Kansas City Star 1/28/06 'Survivor' winner wows them in Topeka
Lawrence Journal World 1/28/06 Students, 'Survivor' celebrate Kansas
Tonganoxie Mirror 1/18/06 Boatwright to speak at upcoming event
Kansas City Star 1/18/06 Iowa farm boy floats Danni's boat right
Inside Pulse 1/4/06 Brain Spill: The Best Woman Ever
PR Web 1/2/06 Danni Boatwright, Chooses Hot Handbag from Frostedbrownie.com at the Radio Music Awards in Las Vegas
Click here for previous news articles
This site is not affiliated with Danni Boatwright, CBS Network, the Survivor Guatemala show or its producers
Copyright © 2000 - 2013 All Rights Reserved Privacy Policy Terms of Service


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Can't stand all these extra-large and heavy digital cameras anymore? Right for such customers Minox has revealed the latest version of its miniaturized digital classic camera, the Minox DCC 14.0 that will easily fit even in the palm of your hand. This camera is all things high qaulity, functionality and style.
The camera features a 14-megapixel sensor, a fixed lens and an optical viewfinder and it comes in two colours – you can take it in either black or silver for US$240/piece. This retro camera only looks like an old-dated gadget, but to tell the truth it is fully automatic.
The tiny device easily shoots JPEG images or AVI video at a modest 640 x 480 pixels.


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Skydiving.com now has a network skydiving location serving Dry Creek and Beauregard Parish in Louisiana. Call Skydiving.com at 1-800-617-7948 for details, free information and specials on skydiving in Dry Creek, LA today!
Popular Tags for Skydiving Dry Creek:
Skydiving Dry Creek, Skydiving in Dry Creek, Sky Diving Dry Creek, Skydive Dry Creek LA, Skydiving 70637, Dry Creek Skydiving, Skydiving Dry Creek Louisiana, Skydiving near Dry Creek, Skydiving in Dry Creek Louisiana, Dry Creek Sky Diving, Skydive 70637, Skydiving Dry Creek LA, Skydive Dry Creek, Skydiving Beauregard Parish, Skydive in 70637, Skydiving LA, Sky Diving Dry Creek LA, Dry Creek, Louisiana
Sign up for our newsletter and receive updatesand specials on skydiving across America!


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Content server for Optus?
Hi guys,
Recently I've been getting painfully slow downloads within Steam. It used to max out my connection but now sometimes I only get 20KB/s. Tried quite a few differerent Australian content servers but they're mostly all the same. My friend on Internode doesn't seem to have the same problem.
Anyone think it's my ISP? (optus). All other internet bandwidth is pretty fast. Can get downloads of 1.2MB/s.
You were probably just downloading a game from an overseas server that was getting particularly hammered at the time.
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Oct 11, 2011 8:45 AM
iPhone moms across the web are jumping for joy thanks to this clever creation! The Fisher Price Laugh & Learn Apptivity iPhone Case ($15) is perfect for the tot that thinks your phone is really hers....and you're just borrowing it when it rings. Anyway this super cool case is very durable and has grasp handles for your wee one's hands. Plus the mirror and rattle beads on the back are just another way to entertain your nosey rosey.
Doubtblush. I'm sure there may be great educational apps out there but this girl's $700 electronic toy does not belong in the hands of babes.
If you've got a product or service that you'd like to promote on Outblush, click here to find out about our advertising opportunities.
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LOS ANGELES (Ivanhoe Broadcast News) -- According to the Epilepsy Foundation of America, 2.3 million people in the United States have epilepsy. Often diagnosed at a young age, many patients can go years -- even a lifetime -- with inadequate control of their seizures. Now, more aggressive treatment is getting patients back into life.
With intense concentration and steady hands, Margaret Weems pours her soul into these keys. "I've been involved in music since 3," she tells Ivanhoe. "Music is just something that exercises every part of the brain."
Diagnosed with epilepsy at 12, Weems never knew if her performances would be seizure-free. "I pretty much could not ever be left alone." Even on medication, she had up to five seizures a week.
UCLA Neurologist Jerome Engel, Jr., M.D., Ph.D., says 30 percent of epileptic patients are not controlled with medication. "There is no specific approach to the medical treatment, and it's trial and error by most physicians," he tells Ivanhoe.
When drugs fail, surgery is often used as a last resort -- partly because of the fear of brain surgery. Dr. Engel is leading a study to find out if surgery earlier in the disease is a better option: "Epilepsy itself is much more dangerous than surgery. The risk of death from seizures is much greater than it is from surgery."
Surgery may be the best bet for many patients. Studies show one-third of patients remains seizure-free two years after surgery. Weems had the surgery at 16. Now 29, she hasn't had a seizure since. She says: "It's been awesome. It's been amazing."
It took about a year to recover from not having seizures, but it was worth it. "To go through one year of hard work of recuperating vs. the rest of your life of being frustrated, that's just a slam dunk," Weems says.
Dr. Engel says it often takes years for patients to go through the many different medications for epilepsy before it's determined that none of them will control their disease. By then, surgery is still an option, but the damage from the seizures is already done. The trial to determine whether surgery or medication is best in the early stages of the disease is taking place at 19 sites nationwide.
This article was reported by Ivanhoe.com, who offers Medical Alerts by e-mail every day of the week. To subscribe, go to: /newsalert/.
If you would like more information, please contact:
National Institutes of Health(800) 352-9424
National Institutes of Health(800) 352-9424
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Pieris japonica Forest Flame
This larger evergreen shrub has spectacular foliage colour. New growth is fiery, brilliant red then changes to pink, cream and eventually green. Produces masses of little white bell flowers in the spring. Slow growing. A sensational garden accent. Can be grown in full sun to partial shade.
Pieris Forest Flame growing information
Botanical Name: Pieris japonica 'Forest Flame'
Other names: Japanese pieris
Genus: Pieris
Variety or Cultivar: Forest Flame
Info: Pieris japonica 'Forest Flame' is an evergreen shrub with green foliage that starts off red, changes to pink and cream and finally becomes green. Panicles of small, cream flowers are produced in spring.
- Cultivation: Grow in moderately fertile, humus-rich, acidic soil in full sun to partial shade. May need protection in winter until established.
- Suggested uses: Architectural, Banks and Slopes, City, Cottage/Informal, Flower Arranging, Beds and borders, Low Maintenance, Containers, Woodland
- Soil types: Loamy, Sandy
- Soil drainage: Moist but well-drained, Well-drained
- Soil pH: Acid
- Light: Partial Shade, Full Sun
- Exposure: Sheltered
- Specific pest(s): Lacebugs
- Specific diseases(s): Leaf spot, Phytophthora root diseases
- Propagation method(s): Semi-hardwood cuttings, Softwood cuttings
- Pieris japonica 'Katsura' is: Evergreen
- Flower: Cream in Spring
- Foliage: Green, Pink, Red, Cream in All seasons
- Habit: Compact
- Ultimate height: 4 meter
- Ultimate spread: 2.5 meter
- Time to maturity: 10-20 years


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Jul 29, 2009 8:48 AM
Lately we have been stuffing our closets beyond belief with footwear that only seems to fall under one trend: gladiator. To offset such an overflow of the trend we have been trying to find pieces in our closets that will match effortlessly and compliment a sometimes complicated shoe. Look no further ladies, behold the Mossimo Black Blousen Dress ($25), quite possibly the perfect daytime dress to pair with those Roman-inspired sandals of yours. The t-shirt top and loose fitting shape makes this easy piece all the more enticing and with a price like that? It's a surefire purchase.
If you've got a product or service that you'd like to promote on Outblush, click here to find out about our advertising opportunities.
Outblush is a blog for girls who love to shop. Our staff digs up the best clothes, home stuff, beauty items, and more. New items are posted every day — bookmark us and check out:


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|« Mar
February 27th, 2014
A Guide to Social Security Disability Benefits
by Molly Clarke
If you are caring for an individual with a disability, you may be eligible to receive Social Security Disability benefits on his or her behalf. These benefits can be used to cover the cost of day-to-day expenses like food, shelter, and clothing.
Although disability benefits are intended to make life easier, qualifying for and receiving these benefits can be quite overwhelming. To help you begin the application process, we have provided you with a step-by-step guide to the benefits available to you.
1. Explore your Options.
The Social Security Administration (SSA) oversees the two main disability benefit programs in the United States. These programs are Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).
SSDI benefits are offered to disabled workers and their eligible family members. To qualify, applicants are required to have worked and paid Social Security taxes for a significant amount of time.
SSI benefits are offered to disabled individuals of all ages who earn little to no income. To qualify, applicants must fall within the financial limits set by the SSA. These limits govern the amount of income and financial resources a person can have.
To learn more about eligibility for these two programs, visit the following page: http://www.disability-benefits-help.org/disability-tips/difference-between-social-security-disability-insurance-ssdi-and-ssi
2. Research the Social Security Disability medical requirements.
To qualify for SSDI and SSI, applicants must meet the SSA's standards of disability. The SSA uses the following criteria to measure an applicant's eligibility:
• The applicant cannot do the work they did prior to becoming disabled;
• The applicant has a physical or mental condition that prevents them from engaging in Substantial Gainful
Activity (SGA). In 2014, a person is considered to be performing SGA if he or she earns more than $1,070 per month; and
• The applicant's condition has lasted, or is expected to last, at least one year or result in death.
These criteria make up the SSA's definition of disability. Unfortunately, individuals who do not meet this definition will not qualify for disability benefits.
In addition to meeting these basic requirements, applicants will also be assessed based on their specific disability or illness. To gauge the severity of a person's condition, the SSA refers to a guidebook of disabilities—known as the Blue Book. The Blue Book contains listings for different conditions and groups of conditions that qualify for disability benefits. Prior to beginning the application process, we suggest you look through the Blue Book listings to determine whether or not your loved one meets the criteria pertaining to his or her specific condition. Access all Blue Book listings, here: http://www.ssa.gov/disability/professionals/bluebook/AdultListings.htm.
3. Prepare and submit your application.
Once you have determined that the person in your care is eligible for disability benefits, it is time to prepare for the application process. To do so, you should collect copies of records pertaining to the applicant's health condition, finances, and employment history. For a complete list of required records, visit the Adult Disability Interview Checklist.
The actual application is made up of several different forms. It is important that you take your time when completing these. Any incomplete, false, or missing information could result in the denial of your claim. These forms can be filled out on the SSA's website or you can schedule an appointment to fill them out in person at a local Social Security office.
4. Receiving a decision.
On average, it can take anywhere from a month to a year to receive the SSA's decision on your initial application. Wait times can fluctuate drastically depending on the nature of the applicant's disability, how quickly medical evidence is obtained, and how quickly the applicant responds to the SSA's requests for more information.
If you are approved, you will receive a letter in the mail that outlines the benefits you will receive. If you are denied, you will receive a letting in the mail containing the reason for denial and the instructions for filing an appeal.
If you are denied, do not be discouraged. More than half of all initial applications are denied. In fact, more disability claims are approved during the appeals process than after the initial application. If you remain persistent in your efforts—no matter how frustrating it gets—you have a better chance of receiving the benefits you need.
For more information regarding Social Security Disability benefits, visit the Social Security Disability Help blog or contact Molly Clarke at firstname.lastname@example.com.
Molly Clarke writes for the Social Security Disability Help blog. Click here to read more by Molly.
For help with social security disability claims legal help might be needed. IF the process is not handled correctly major delays could occur. An experienced lawyer could help through the process and gain approval for your claim.
All comments must be approved by the moderator. Thank you.


text: Le samedi 17 mars 2007 à 21:10 -0400, Louis E Garcia II a écrit : > Any reason why CONFIG_SYSFS_DEPRECATED is set? Which user land bits > still need this? Is work being done to eliminate the need for this? Run a kernel without this option, test, report problems IMHO if we wanted we could target F7 without this. So far I've only found lm_sensors broken because of class changes, and upstream promised me a fixed version last week (running with a local patch I tested for them now) -- Nicolas Mailhot


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2.1. What's New
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3.1. Exhibitions
3.2. Collection
3.3. Search the IMMA Collection
3.4. Education and Community
3.5. IMMA Residency Programme
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3.6.1. Current Projects 3.6.2. Forthcoming Projects
3.6.3. Recent Projects
3.6.4. How to get involved
3.7. IMMA Online: New Developments
3.8. Events at IMMA/RHK
Page Body
29 Aug 2014
15 Nov 2014
Parallel Visions: Sculpture and installation from the IMMA Collection
Parallel Visions takes place at Highlanes Gallery, Drogheda and F.E. McWilliam Gallery & Studio, Banbridge. Across the two galleries, works by 28 artists, Irish and international, have been selected, covering a period from the 1930's to 2009.
14 Jul 2014
27 Sep 2014
Patrick Scott: Image Space Light - Glebe Gallery and Regional Cultural Centre, Co Donegal
Following the sucessful exhibition at IMMA and VISUAL Centre for Contemporary Art, Carlow, The Regional Cultural Centre and Glebe House and Gallery, present Patrick Scott: IMAGE SPACE LIGHT as a single exhibition across the two venues.
4.1. Press Office
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The New Orleans Saints sputtered a couple times in October, losing two road games in lackluster fashion and admitting their energy level fell a little "flat" at times. Now, however, they're rolling on a two-game win streak with crucial victories against division rivals Tampa Bay and Atlanta.
And with just six games remaining after this week's bye, the Saints (7-3) should have their proverbial foot planted firmly on the pedal from here on out.
"The bye week's coming at a perfect time, especially when you look at two weeks ago, we were 5-3, the division race was tight and we had two division games in a row coming up," Saints quarterback Drew Brees said Wednesday. "It was a huge challenge, finding a way to win those games. We weren't always at our best, we were banged up, but we found a way to win and got ourselves atop the division with six weeks left.
"We have the opportunity really now during the bye week, to take a break, recharge our batteries, get guys healthy. And get focused and ready to make a late-season push."
Saints Coach Sean Payton said the challenge for every team during the course of a season is to remain consistent and try to improve every week. He said he was excited by the way his team responded after "tough losses" at Tampa Bay in Week 6 and at St. Louis in Week 8. And he hopes that improvement continues down the stretch, starting with a Monday night home date against the New York Giants on Nov. 28.
As of now, the Saints and Giants (6-3) are in a tight battle for the No. 3 seed in the NFC, behind Green Bay (9-0) and San Francisco (8-1).
"This six-game stretch, without a doubt, becomes that race each weekend, trying to put distance behind you and the teams in your division," Payton said. "More importantly, it's that race to improve each week and challenging yourself to be playing your best football at the end of the year."
The Saints are seemingly set up great, with a 1 1/2- game lead over the Falcons in the NFC South and just two road trips left on the schedule. After they host New York, they'll host the Detroit Lions. Then comes back-to-back trips at Tennessee and at Minnesota, followed by home dates with Atlanta and Carolina.
"Nothing's easy. It's gonna be a tremendous challenge," Brees said, stressing that the team won't get too comfortable playing with a lead in the division. "


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Meghan F. Rodden, MD
Bon Secours Neurology Clinic at Memorial Regional
8262 Atlee Road
MOB III, Suite 201
Mechanicsville, VA 23116
Phone: 804-325-8720
Fax: 804-764-7351
Maps and Directions
Hospital Affiliations
St. Mary's Hospital
Memorial Regional Medical Center
Education and Training
Clinical Neurophysiology Fellowship
Emory University
Neurology Residency
Emory University School of Medicine
Transitional Medicine Internship
Mercy Hospital in St. Louis, Mo.
Medical Degree
University of Missouri-Kansas City School of Medicine
Dr. Rodden received her Bachelor of Arts and medical degree from the University of Missouri-Kansas City School of Medicine. After medical school, Dr. Rodden completed a transitional medicine internship at Mercy Hospital in St. Louis, Mo. Dr. Rodden then went on to complete her neurology residency at Emory University School of Medicine in Atlanta, Ga. Following her last year of residency, Dr. Rodden completed a clinical neurophysiology fellowship with a focus on epilepsy also at Emory University. She specializes in treating patients with all types of neurological diseases and has a subspecialty emphasis on patients with seizures and epilepsy. Dr. Rodden is board eligible for neurology and clinical neurophysiology by the American Board of Psychiatry and Neurology.


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Presenting Birthday Couture's exclusive UNO first birthday clothing line.
One of our favorite theme's for a first birthday party is a UNO themed party, based on the classic game. Decorate in classic UNO colors - red, turquoise, kelly green, and yellow for a fun festive atmosphere. Make cupcake toppers by hot-glueing UNO cards on popsicle sticks.
Even if you're not having an UNO themed birthday party, our UNO line is perfect for first birthday pictures.
Boys UNO First Birthday Ringer Bodysuit
Boys UNO First Birthday Short Sleeve Shirt or Onesie
Girls Classic Uno 1st Birthday Dress
Girls Uno Pink and Black Birthday Ruffle Fanny Romper


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Debt does have a few useful purposes: it allows us to establish a credit history (hopefully a good one) and enables us to acquire things before we have the all of money to pay for them.
Conventional wisdom breaks down debt into two kinds: good debt and bad debt. The theory goes, when debt is used to acquire items that will appreciate in value (or increase over time) it is "good" and when debt helps us buy things that steadily depreciate (or decline in value) it is "bad".
For example if you want to buy a house but can't pay cash for the whole asking price, getting a mortgage-a loan secured by the value of the house-will enable you to purchase it. Provided you've done your homework on the location, condition and comparative pricing of the house and you can afford the loan payments, this would seem to be a smart move taking on "good debt." The common belief is that a home will increase in value over time while the mortgage loan is gradually being paid down, resulting in an increase in your net worth (asset value minus debts). A student loan is considered "good debt" because it will enable you to become more educated, increase your net worth, and make you eligible for higher-paying jobs with a better career path. Additionally, taking out a loan with an interest rate of 4% to purchase a stock paying a dividend of 7% should be a profitable and thus a "good" move.
On the other hand if you want to buy a car but don't have the money to pay up front, you may be able to get a car loan to finance the purchase. This is also a secured loan, backed by the value of the car. However, if you're purchasing a new car and have taken out a loan that is 85% of the purchase price, it's highly likely that the value of the car will be less than the loan value within a year. A new car will lose about 15% of its value as soon as you've left the dealer lot and within the first year it will probably decline in value another 5-10%. At that point you will find yourself "upside down" where your loan value is more than the value of the car.
Unfortunately, over the last 3 years we've come to realize that this "good debt/bad debt" theory hasn't held up well in terms of the "good debt" adding to a person's net worth. According to the updated Case-Shiller 100-year chart tracking the inflation-adjusted value of homes over the last 100 years, the current trend is projected to take home values back to where they were in 1985. The stock market has taken a dive and some major companies have cut their dividends. Many college graduates are carrying loads of student loan debt with no job offer in sight.
It is true that the Fair isaac Corporation (FICO) scoring model gives bonus points for having a mixture of good and bad debt: e.g., mortgage, car loan, credit card, personal loan, student loan. However, given what we've experienced recently, debt isn't "good" just because it falls under an assumed scenerio. In fact, of late most of our economic assumptions have gone out the window.
The only certainty is that a loan is a debt that has to be paid back. Whatever is purchased with the help of that "good" loan or "bad" loan may go up or down in value over time. Debt is still debt. The trick is to only borrow what you need and what you can afford to pay back. Ideally, you should save up until you can put a large down payment on a house. Then getting a mortgage allows you to own and live in a nice home where you can easily afford the mortgage payments, insurance and taxes., and this cost of living compares favorably to what you would pay if you were to rent. The cost of shelter is a basic expense that needs to be paid regardless, like the cost of food or electricity.
Before buying a house or a car, picking a college, or purchasing an investment with borrowed money, plan and save way ahead of time, become an educated consumer, and understand the consequences. Ask yourself these two questions: What's the worst that could happen ? Does it make sense to get into big-time debt or are there other ways to get what I need and can afford? If you don't like the answers then don't bury yourself in debt, "good" or "bad"


text: Aug 27, 2011 01:20 Miles confirms Lee as starting quarterback Miles confirms Lee as starting quarterback LSU quarterback Jarrett Lee (12) looks downfield for a receiver as LSU center P.J. Lonergan (64) blocks during their college football game against Tennessee in Baton Rouge, La. Saturday, October 2, 2010. LSU won 16-14. Lee was confirmed as the starting quarterback by LSU Coach Les Miles on Friday, Aug. 26, at a post-practice news conference. Scott Rabalais| Advocate sportswriter Aug. 26, 2011; 6:39 p.m. Comments LSU Football Coach Les Miles has confirmed that Jarrett Lee will be the starting quarterback for the team. Miles made the announcement at a post-practice news conference on Friday. More in The Advocate on Saturday. Get The Advocate in your inbox Subscribe


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IRVING - Thomas Marshall Brooks, 89, died Wednesday, Nov. 27, 2002.
Services will be at 2 p.m. Saturday in Brown's Memorial Funeral Home Chapel. Burial will be in Oak Grove Memorial Gardens.
Mr. Brooks was born in Wellington to Pearl Starkey Brooks and J.W. Brooks in 1913. Tom and Gladys, his wife of 63 years, moved to Irving in 1965 where he was an investor in and officer of several business ventures, including Data Automation Co. and Brooks International.
Later, in semiretirement, he operated a Realty World franchise in Irving and built and sold homes in the area. Prior to moving to Irving, he lived in Pampa, and later in Amarillo, where Mr. Brooks owned and operated an electrical contracting company, Brooks Electric. He was a member of Church of Christ and a former member of Kiwanis Club in Pampa and Irving.
He was preceded in death by three sisters; and a brother.
Survivors include two daughters, Meredith Parrish of Dallas and Kay Lynn Meadows of Irving; a son, Richard Brooks of Irving; eight grandchildren; 11 great-grandchildren; and a sister, Jackie Lisemby of Lubbock.
The family suggests memorials be to Baylor Irving Healthcare Foundation, P.O. Box 153705, Irving, TX 75015-9942.
Visitation will be from 6 to 8 p.m. Friday at the funeral home.
Amarillo Globe-News, Nov. 28, 2002
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I'm unable to connect to my server on port 22 or 80. When I run netstat, I see that there are a few connections, all of them stuck in SYN_RECV. Googling revealed mostly questions about DDOS. Since there are very few connections this seems unlikely (although I am on a shared host (slicehost)).
What else could be causing this?


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Responding to the World
HTLC and its members support a number of ministries and organizations that have touched and continue to touch the lives of many people locally and around the world.
- We have raised money for an infirmary at Makimura School in Tanzania
- We sent relief workers to Mississippi after Hurricane Katrina
- We provide financial support to many organizations such as Ministers Assisting Neighbors in Need with Agape (MANNA), First Step Family Support Center, Volunteers in Medicine of the Olympics, Healthy Families & other local organizations as well as Lutheran World Relief, ELCA Disaster Response, ELCA World Hunger, Food for the Poor and many others.
Addressing AIDS in Uganda. Rebuilding homes destroyed by hurricanes on the Gulf Coast or a tsunami in Indonesia. Supporting schools in the Holy Land. Supporting new congregations in Malawi. In today's world, there are countless important ways we as a church work together with our neighbors at home and around the world.
The ELCA, through its missionaries, companion churches, and partner agencies, works every day to proclaim the love of God and make the world a better place to live. While we are the Evangelical Lutheran Church in America, our hands reach out in partnerships across the globe.
Learn about some of our programs, and be sure to visit our Stories of Faith in Action to see real-life examples of how we share God's boundless love with the world.


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"Dear Steve,
We have an upside down mortgage. In order to make mortgage payments we pretty much maxed the credit cards. We were told by Bank of America the only reason we did not qualify for HARP was b/c we were 30 days late paying June 2012's mortgage. They told us that since we did not have any other lates if we paid on time for the next 6 months we'd qualify for HARP. So we borrowed money from my in-laws for the mortgage and used the credit cards to make our other monthly bills. Since then BoA has turned us down for HARP. They've turned us down for a modification last year. Not only that but we have since found out that they sold our mortgage and as of May 31st 2013 they will no longer our servicer.
For the next 3 months BoA can't help us and what's worse it that once we are officially with our new company Green Tree they can't help us because they can not loan in the state of New York. My wife has called around a few different places to see if they can refinance us. These are the places we see and hear ads for because the local banks won't do anything because the house is under water.
She called Quick-in-loans the other day and they turned us down for 2 reasons. The first being we had that late payment in June 2012. The rep said that the guidelines they follow say we have no have had no late in 12 months.
The 2nd reason they turned us down was because we did not have enough income. My wife has been unemployed for a while. The rep said if my wife was able to find a job and show proof of working there for 30 days and pay 3 more months mortgage we would fall under the no lates in the 12 month category. It was at this point my wife told the rep that this probably wouldn't happen because we've been borrowing from the family for months and we would/could not ask again.
My question is this: Quick-in-loans called twice today and left us messages stating we should call them back because they might be able to do something. Something about us being selected for a "2nd look." I have not called them back yet because I'm starting to wonder if Quick-in-loans is a reputable company? If they are not can you recommend some company that is reputable? Our goal is to stay in the house if at all possible. Thank you.
Dear Jeffrey,
You need to know that no bank is required to modify any mortgage. And I admit that trying to get a bank to modify a mortgage, even when they have an internal program is painfully difficult and there is no guarantee they will ever approve you. Readers have said that even after years of trying they have not been able to get the loan modified.
In your case, if the modification is what you want to try to do then I would suggest you call a free government subsidized HUD Housing Counselor. They can help you to determine if there is a program you qualify for that your bank participates with.
Regarding Quicken Loans, they are a legitimate loan broker but it sounds like you are getting a follow-up sales job. Since you have a fairly specialized issue you might want to find a local mortgage broker you can deal with face to face and develop a relationship with. The local mortgage broker will represent a number of different resources and can help guide you to a lending program that will fit your situation.
Mortgage Help
Be sure to first read How Not to Get Scammed by a Mortgage Loan Modification Company.
Debt-to-Income Calculator
First you'll need to determine your current debt-to-income ratio. The target debt-to-income ratio under the Home Affordable Modification program is 31%. Use this free online DTI calculator.
Mortgage Modification Calculator
The mortgage modification eligibility calculator will ask you several questions and then show you which programs you may be eligible for.
The free mortgage modification calculator can be found here.
Free Mortgage Modification Help and Counseling
If you have questions about the process or eligibility you can call 888-995-4673 and get connected with an mortgage modification adviser for free. This help is provided by government subsidized HUD Housing Counselors and they can be a big help in navigating the modification process.
In order to assist you, the housing expert will need to gather some information from you. Have the following documents handy:
- Information about your first mortgage, such as your monthly mortgage statement.
- Information about any second mortgage or home equity line of credit on the house.
- Information about the monthly gross (before tax) income of all household members contributing to pay the mortgage, including recent pay stubs if you receive them or documentation of income you receive from other sources.
- Information about your savings and other assets.
- Account balances and minimum monthly payments due on all of your credit cards.
- Account balances and monthly payments on all your other debts such as student loans and car loans.
- Your most recent income tax return.
- It may also be helpful to have: A letter describing any circumstances that caused your income to be reduced or expenses to be increased (job loss, divorce, illness, etc.), if applicable.
You can also get free help and housing counseling from a local HUD approved counselor. You can find your local free housing counselor, here.
Contact Your Mortgage Company
Not sure if your mortgage company offers modification programs? Not all do. You can contact your mortgage company to ask them about mortgage modification programs you might be eligible for. Click here to find your mortgage company.
NPV Calculator
Want to know the net present value (NPV) of your home for the mortgage modification process? No problem, use the free NPV calculator to find out. The NPV calculator is right here.
The calculator can be used by homeowners who have been denied a HAMP modification because of their NPV result or can also be used by homeowners prior to applying for a HAMP modification to help them better understand the NPV evaluation.
No Advance Fees
The Federal Trade Commission has a Mortgage Assistance Relief Services Rule which prohibits advance fees for mortgage rescue services or mortgage modification help.
Please post your responses and follow-up messages to me on this in the comments section below.
Big Hug!
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