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Limits on big student-housing units urged
9 task force recommendations head to City Council Tuesday
Published: Tuesday, November 19, 2013 at 3:30 a.m.
Last Modified: Monday, November 18, 2013 at 11:39 p.m.
After more than three months of discussion and debate, the final recommendations of Mayor Walt Maddox's Student Rental Housing Task Force were unveiled Monday night. The recommendations, if approved by the Tuscaloosa City Council, would limit the location of new rental properties for students and put a moratorium on building student apartment complexes with 200 or more beds.
Task force report
The mayor's Student Rental Housing Task Force has made nine recommendations. They are:
1. That until the city's Comprehensive Plan is updated the Planning and Zoning Commission and City Council deny any rezoning request to allow the development of a student housing complex of 200 bedrooms or more outside of the area that the task force has defined as "the box."
2. That the Planning and Zoning Commission and City Council deny any rezoning request to allow multifamily or attached housing in any historic district or historic district buffer in areas where these types of housing are not currently allowed.
3. That the Planning and Zoning Commission begin immediate efforts to update the city's Comprehensive Plan and the City Council allocate resources to allow that process to proceed. Additionally, the task force recommends the city update this Comprehensive Plan on the same five-year timetable that is used by the University of Alabama and coordinate the plan with the university's.
4. That the City Council study the use and implementation of "impact fees" on multifamily housing projects. These fees, which are popular across the country but City Hall currently does not levy against any kind of development, would be used to offset the strain that large-scale apartment complexes place on the city's existing infrastructure. The fees also could be used to fund the maintenance, expansion and improvements to the city's infrastructure network.
5. That the City Council eliminate the provision within the city's landscape ordinance that allows for a reduction in parking requirements for multifamily housing projects.
6. That the Zoning Ordinance of Tuscaloosa be amended to prevent more than three unrelated persons from sharing one living space in MX-5 zones. Currently, the ordinance allows for four people.
7. Eliminate the allowance of apartment-only buildings within the MX, or mixed use, zones.
8. Should future capacity demands require additional student housing complexes with four- and five-
bedroom units, the Planning and Zoning Commission and City Council should limit them to areas in the University Area Neighborhood that surround the UA campus. This area, according to a 2004 study, is bordered to the north by Jack Warner Parkway, the west by Queen City Avenue, the south by 15th Street and the east by Hackberry Lane, Meador Drive and Cloverdale Road.
9. The City Council should eliminate the R-4S zoning provision from the Zoning Ordinance of Tuscaloosa. The zoning's sole purpose, according to the task force's findings, is to allow the construction of large-scale student housing complexes outside of "the box."
The list of nine task force suggestions addresses the influx of private student-based housing complexes in the city over the past few years. The list was presented to the Tuscaloosa Planning and Zoning Commission on Monday.
The commission voted unanimously to adopt the recommendations, which will go to the City Council today for consideration.
"We worked very diligently over the past few months to put together a balanced and fair assessment of the local student rental housing market," said Bill Wright, a planning and zoning commissioner who also served as chairman of the Student Rental Housing Task Force. "I think (the recommendations) are solid, well thought out ... and I look forward to presenting these recommendations to the City Council."
Maddox formed the task force in June, asking it to address the boom in new student housing developments.
The task force's goal was to develop a series of policies for the City Council to consider.
The task force, which eventually grew to 19 members, held its first meeting in August. Over the course of the meetings that followed, it heard from a number of experts and members of the apartment housing community.
One report cited data that claimed Tuscaloosa had an overabundance of private student housing complexes.
Two apartment complex managers told of the growing struggle in filling their units with students each year. And real estate forecasters, in a study that also will be presented to the City Council today, made predictions indicating the glut of student housing complexes will not stop unless action is taken.
"We heard, examined and analyzed current market data that, in our collective judgment, indicates that the current student housing rental market is overbuilt relative to the University (of Alabama)'s on-campus enrollment," said the task force's final recommendation report. "More urgent, we saw evidence indicating that the supply of new student bedrooms in the building pipeline for delivery in 2014, 2015 and beyond, relative to UA's anticipated on-campus enrollment, will introduce even more bedrooms into a market that cannot easily absorb its current supply. This eventually will further widen the gap between the supply and estimated demand of student bedrooms."
The members of the Planning and Zoning Commission and City Council already reviewed five of the recommendations in a preliminary report.
Only one — the suggestion that rezonings for 200-plus unit complexes gain no consideration by either body until an update of the city's Comprehensive Plan — was modified by the City Council.
Council members voted to extend this moratorium policy suggestion citywide instead of to areas only outside "the box," as the Housing Task Force recommended. This box was defined by the task force as areas south of the Black Warrior River, north of 15th Street, west of McFarland Boulevard and east of Queen City Avenue.
The City Council also may vote to adopt this change into the Task Force's final list of recommendations.
The four new recommendations include protections for historic districts, modifications to the Zoning Ordinance of Tuscaloosa and limitations on where four- and five-
bedroom unit complexes can be built.
Reach Jason Morton at firstname.lastname@example.com or 205-722-0200.
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About the Book
"Sophie Jordan is one of a kind!"<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />
—Samantha James
Wicked Nights With a Lover is the final installment of New York Times and USA Today bestselling author Sophie Jordan's smart and sexy historical romance series in which students from the Penwich School for Virtuous Girls rise from simple beginnings to conquer the hearts of the ton's most sought after bachelors. A wonderful Victorian romantic adventure, Wicked Nights With a Lover will thrill readers of Lisa Kleypas and Sabrina Jeffries, as a dedicate young lady, falsely believing her days are numbered, prepares to take a lover—and ends up being abducted by the wrong man!
What should a proper lady do when she believes her days are numbered?
Step One: Take a Lover . . .
After being told she will not survive beyond the year's end, prim and lovely Marguerite Laurent intends to live what remains of her life to the very fullest. Though she may never know love, she will know passion—and she agrees to a whirlwind romance with a former admirer. But hours before embarking upon her grand adventure, Marguerite is abducted—by an unscrupulous rogue who boldly announces his intentions to bed and wed her before the week is out!
Step Two: Live With No Regrets . . .
Ash Courtland pulled himself up from the gutter to become a successful man of business, and now he wants revenge on his one-time partner for betraying him. Still, his enemy's bewitching daughter is most certainly not about to surrender her innocence to the infuriating—if shockingly attractive—cad who took her captive. Yet with no more than a touch, Ash makes her tremble with desire . . . and resisting the heat of his passion could cost Marguerite her last, best chance for ecstasy.
Educator and Librarian Resources
Product Details
- Imprint: Avon
- On Sale: 11/30/2010
- Trimsize: 4.188 in (w) x 6.75 in (h) x 0.96 in (d)
- Pages: 384
- List Price: 7.99 USD
- BISAC1: FICTION / Romance / Historical / General

subset: commoncrawl


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Let's face it: In life, muck happens, but Mudderella New England's motto — "Own Your Strong" — suggests people...
A recorded voice instructed me in several languages to get off the train and admire the massive waterfall, Kjosfossen, to my left.
The Chris Robinson Brotherhood will play a 6:30 p.m. show Sunday at The Flying Monkey Movie House and Performance Center, 39 Main St., Plymouth.
Advanced search! Our online archive of 25 years of news, sports and opinion from the pages of the New Hampshire Union Leader.
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Wed 16th Jan at 7:45pm - 10:30pm
Tristan Town
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Also appearing: Paul Langton
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Comedy Virgins: Tristan Town, Paul Langton
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Ontario County Sheriff's deputies reported a two-vehicle crash Thursday morning at Routes 96 and 332 resulted in a Victor woman ticketed with passing a red light.
Deputies said they responded about 11:30 a.m., along with firefighters, to the intersection where a 2004 Chevrolet suburban driven by Betty Cherock, 66, of 7777 Dryer Road, Victor,had been westbound on Route 96. Deputies stated Cherock turned left at Route 332 into the path of a 2008 Hyundai sedan driven by Jeffrey Conger, 27, of 190 Parrish St, Canandaigua.
Cherock complained of rib pain and declined transport to the hospital. Deputies ticketed Cherock with passing a red light. Deputies said a grandchild in the car was properly secured in a child restraint seat and not injured.
A passenger in Hyundai, Catherine Lagott, 27, of 190 Parrish St., complained of neck and shoulder pain. Lagott was taken by Victor Farmington Ambulance to Thompson Hospital for her treatment.
Location, ST | website.com


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Lighting fireworks on the Fourth of July will be permitted in certain areas of Pocatello after all.
In a majority decision announced Monday afternoon, Pocatello Mayor Brian Blad and the City Council decided to lift the citywide ban on the discharge of "safe and sane" fireworks within city limits, but only on Wednesday from noon to midnight.
However, there are still several areas of the Pocatello community where the discharge of all fireworks is still illegal. (See PDF attached to this story in full story view.)
"Please, please, please continue to show extreme caution given the conditions we are experiencing," said Blad in a news release. "Remember to buy only 'safe and sane' fireworks and keep a bucket of water or a water supply nearby for emergencies.
Pocatello is still reeling from last week's Charlotte Fire, in which 66 homes were destroyed.
The restrictions in Chubbuck have also been lifted, and fireworks can only be lit in that city during the same time frame as in Pocatello.


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MINTURN - This fall, the Global Cardboard Challenge invites the world to build anything awesome out of cardboard, recycled materials and imagination. Cardboard Challenge events can be of any scale and are being planned around the world. The Vail Valley event will take place in Minturn. The Cardboard Challenge is Saturday at Magustos, 101 Main Street, Minturn, from noon to 4 p.m.
"Come out to play, celebrate creativity and imagination," said Jodi Jahrling, executive director of the Minturn Community Fund (MCF). "Eric (owner of Magustos) stopped in and showed me the 11-minute short film that inspired the event (www.cardboardchallenge.com) and we decided this would be fun to do in our community."
Magustos, in partnership with the Minturn Community Fund, are hosting the event. Basic materials (cardboard, tape, scissors, and markers) for building will be provided - participants are welcome to bring additional recycled items to use. Kids will have three hours to make their creations and the last hour will be for viewing the creations. The event is inspired by cardboard arcade games, but any creation with cardboard is welcome.
Kids are also welcome to bring a cardboard creation to the event, so it's encouraged to work on this project leading up to the event as well. Magustos is already in the process of collecting cardboard. So stop by if you'd like to start working on your project now. No minimum or maximum age requirements to enter your creation - kids of all ages are welcome - even kids at heart.
"We do have a limited space, so let us know if you're coming to build or plan on bringing a completed piece to display," Jahrling said.
The event is free. Spectators will have an opportunity to view the making and completion of the creations too. A donation box will also be on site where proceeds will benefit future events like this one.
"Anything that brings the community together is what we are all about," Jahrling said. "It's great that our businesses want to do the same."
For more information call 970-306-6553 or visit www.minturnmatters.org to RSVP as a creator.


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Settai is an upcoming Tamil Movie. Directed by R. Kannan. Starring Arya, Hansika Motwani, Anjali, Premji Amaren and Santhanam in Lead Roles. The film is a remake of the 2011 Hindi blockbuster 'Delhi Belly'.
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Thousands of mourners have turned out in the Yemeni capital of Sanaa for the funerals of anti-government protesters shot dead on Friday. Snipers loyal to President Ali Abdullah Saleh sprayed a university sit-in with gunfire, killing as as many as 50 demonstrators. The protesters want him to resign after 32 years in power. The killings prompted Saleh to declare a state of emergency and soldiers have been given orders to shoot demonstrators. Yet the opposition remain defiant. Former government minister Haoumd al-Hattar told the crowd that "threats, intimidation and repression would only reinforce their persistence." An estimated 300 people were injured in Friday's violence. A group of Muslim clerics have called on Yemeni security forces to disobey Saleh's orders to shoot demonstrators, blaming him for the slaughter.
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This morning, July 9, at approximately 6 a.m., MO 79 is one-way-traffic only northbound into Hannibal from Continental Cement to the Route E and N junction near Saverton with a reduced speed limit of 35 m.p.h.
Delays should be expected. Allow ample driving time to your destination or take an alternate route during construction. A detour will be signed over Routes T and N for motorists traveling southbound on MO 79 to destinations south of Continental Cement. Commercial vehicles will be routed over US 36, US 61, Business 61, and Routes V, T and N to MO 79.
Location, ST | website.com


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Assistance League of Stockton members and Thrift Shop customers donated more than 600 books for children in October as part of the National Assistance League Book Drive. The books were donated to the Child Abuse Prevention Council. From left: Thrift Shop Manager Charlotte West, Assistance League of Stockton President Camilla Wolak, CAPC teacher Stacey Carter, and Fourth Vice President Bertha Cooley.
Location, ST | website.com


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Ep#20 – Like a Box of Chocolates (Just a Show Radio)
Guest: Guitarist Zeb Cruikshank. Zeb talks about his start in music, the two bands he currently plays with ("The Brute Squad" and "Jess and Zeb"), and the release party for his upcoming jazz fusion CD "Long Time Coming".
Also on this episode: Shawn attends a birthday party at Pump It Up and gets to act like a kid. Keith has to start paying attention now that his baby has started crawling. Keith gives a friend who is on bed rest all three volumes of the "Just a Show" tv show as a way to pass the time. Weekly Rant: Bikers.
To learn more about Zeb Cruikshank, visit his website at http://www.zebcruikshank.com. The release party for his CD "Long Time Coming" is on Sunday, September 18, 2011 at The Artist' Quarter in St. Paul, MN from 6-8 pm. The CD will also be available on his website, as well as on Amazon, iTunes, and at other online music retailers. Zeb also has a full calendar of gigs with his two bands in and around the Twin Cities, which is available on his website.
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Just installed the latest beta build 409, and it never gives me a GUI. Clicking on the icon in the task bar does nothing.
The debug log shows a LOT of stuff happening repeatedly, but the program is non responsive.
Will see if there is an older build somewhere I can try to see if it is this version in particular.
Anyone else see this.
I used the link in the fist thread to download.


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Sometime you may need to recover a table when all you have is the .ibd file. In this case, if you try to load it into a new instance, your likely to encounter some errors about the table id not matching. And there is not really a way around this.
However, I've found two work-arounds for this:
Note: You will need the .ibd file and the CREATE TABLE statement for each table you want to recover using these methods.
- Simulate the internal InnoDB table counter. That is, create work tables (with innodb_file_per_table enabled) until you have the internal pointer of table id equal to (1 - id_of_ibd_table_you_need_to_restore). (See Method #1)
- Manually hex …


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Today's letters: Unhealthy option
Published: Sunday, March 10, 2013 at 4:30 a.m.
Last Modified: Friday, March 8, 2013 at 4:36 p.m.
To the editor: In the March 3 Mountain Views section, you published dueling essays on the Affordable Care Act (so-called Obamacare). The essay against was by Grace-Marie Turner, head of the Galen Institute.
Ms. Turner has been shilling for the for-profit health care industry for almost 20 years. The Galen Institute is funded by the for-profit health care industries. On its website, you see no actual medical professionals on staff. Its all corporate figures. This outfit opposes meaningful health care reform because it will cut into its sponsors bottom lines.
State Sen. Tom Apodaca and state Rep. Chuck McGrady have drunk their Kool-aid and imposed on the people of North Carolina a politically driven mandate to deny our state funds for Medicaid. This will endanger our states level of health care and will cost all of us higher insurance premiums.
If you think you are not affected, consider this: What happens if you go to a doctor outside your policys network? How much do you pay for medications not included in your policys formulary? Who do you think ultimately pays because the poor must use hospital emergency rooms? You pay $18 for an aspirin.
Opposition to the ACA is unhealthy for all of us.
Philip J. Bentley
Womens safety
To the editor: Our U.S. Congress has just voted to reauthorize the Violence Against Women Act (VAWA). This bipartisan legislation improves programs and strengthens protection for all victims of domestic violence, a huge problem in Henderson County. It is an outrage that Rep. Mark Meadows (R) voted against this crucial bill supporting womens safety.
A portion of VAWA funding goes to support local domestic violence shelters (Mainstay), law enforcement, courts, rape crisis centers, childrens services, prevention and other state and local programs providing services for victims and families.
Yet Rep. Meadows said no. Is the welfare of women just not important to him?
At least we have Sens. Richard Burr and Kay Hagan, who both voted yes. Maybe we need to send a woman to represent District 11 in D.C. Otherwise, were on our own, ladies.
Sharon Mills
Famous words
To the editor: Those who deny freedom to others, deserve it not for themselves; and, under a just God, cannot long retain it. Abraham Lincoln, 1863.
To be prepared for war is one of the most effectual means of preserving peace. George Washington, 1790.
To announce that there must be no criticism of the president, or that we are to stand by the president, right or wrong, is not only unpatriotic and servile, but is morally treasonable to the American public. Theodore Roosevelt, 1903.
And so my fellow Americans, ask not what your country can do for you; ask what you can do for your country. John Kennedy, 1961.
What do you want me to do? Barack Obama, March 1, 2013, press conference.
Barry Coombs
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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Cops: Pocket dial, low battery led to Ohio burglar
Published: Friday, February 8, 2013 at 7:19 a.m.
Last Modified: Friday, February 8, 2013 at 7:19 a.m.
SIDNEY, Ohio (AP) — Authorities in Ohio say a pocket-dialing prowler got himself arrested after his cellphone turned informant. Twice.
Investigators say an emergency operator traced an accidental 911 call on Tuesday night to a home in Sidney, about 60 miles northwest of Columbus.
Shelby County sheriff's deputies dispatched to check on the house found a window forced open. They arrested Douglas Wolaver, of Piqua, inside.
The sheriff's office says Wolaver was found in a bathroom after his phone's low-battery alert led deputies to his hiding place.
Wolaver is charged with breaking and entering. A phone listing for him was disconnected.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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Top Ten Reasons To Buy This Candle
- Everyone else is buying mom flowers for Mother's Day this Sunday.
- Febreze doesn't come in "burger" yet. You long for the scent of sliders and onions in your living room.
- You named your kids Harold and Kumar.
- Saturday night is date night with your wife. (And candelight ups the romance factor.)
- May is National Hamburger Month (which is second only to Autism Awareness Month).
- It's your new boyfriend's birthday. You know … the fastest way to his heart is through his stomach (…or his nose).
- You're on the South Beach Diet – and miss your fast food fix.
- It's sold out online, so it gives you another reason to grab lunch at White Castle.
- Your office deserves to smell delicious, too! If you spend $25 in the House of Crave, you get the air freshener for free.
- Every $10 White Castle candle sold benefits Autism Speaks.
Special thanks to those who made this happen – our corporate partner White Castle, Autism Speaks' board member, Laura Slatkin, and her company, NEST Fragrances. Laura and her husband, Harry, who founded the New York Center for Autism, have a son with autism. The Slatkins are long-time supporters of Autism Speaks.
May 7, 2010 at 9:30 pm
Get a great patch for your hat, shirt or jacket and give a needed donation. Check it out.
May 7, 2010 at 9:35 pm
The meat industry is a horrific mess of factory farms and suffering animals. Why take dirty money Autism Speaks? Helping the suffering of some with the suffering of others. What a shame.
May 7, 2010 at 11:26 pm
Wow your ignorant, why flame "any" good cause, u ever rant on Ronald mcdonald house too? shame on YOU, such an a$$, I mean for real?…. Why don't you try and appreciate the fact that word is spreading?! Awareness is spreading, I still meet people who don't know what autism is, hell, I didn't know till my daughter was diagnosed, so say thank you and try to push positives rather than spread your negatives, damn…. There's always at least one, isn't there, and by one, I mean the jerk that brings a shroud of darkness and misery to an otherwise beautiful day
May 7, 2010 at 9:50 pm
also, just so we are aware.. May is also ASTHMA awareness month…..the other cause close to my (and others') heart
May 8, 2010 at 8:19 pm
May 12, 2010 at 5:19 pm


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A brand with a distinctive old-school feel, adidas Originals is a collection of casual sports apparel and is adidas' heritage line. The brand uses the iconic Trefoil logo, which first appeared in 1972. Inspired by adidas' signature 3-Stripes, the flower shape with three stripes running through symbolizes the brand's diversity. It was the corporate symbol until 1997, when the 3 Bars design was adopted. Today, pieces in the adidas Originals collection are based on fashion from the 1960s through the 1990s. From flat bill caps to graphic tees, and from track pants to crewneck sweats, the adidas Originals collection is made to be noticed.


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Specialty Dice Sets
Special sets of dice, including 10d6 dice sets, crystal dice sets, and more.
7-piece Set of Swirly Crystal RPG Dice (Orange)$9.75A complete set of 7 swirled crystal dice: 1D4, 1D6, 1D8, 2D10, 1D12, and 1D20. This orange- and black-swirled crystal dice set is like looking into a fire, its flames licking upward into the void of night. Orange and black with gold numerals. Learn More


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Career Center > Careers in Statistics > Which Industries Employ Statisticians
Tim K. Keyes, GE Capital Commercial Finance
If you have a credit card, you may be aware that information about you is used at the point of sale by someone who wants to loan you money. If you are in good credit standing (whatever that means) and can afford the new item, you get "approved"; otherwise, you get "denied" (too bad, so sad).
Sometimes, and often for no apparent reason, the clerk may ask you to surrender your card and then stare at you as you walk away nonplussed. Luckily, more often than not, you'll receive a bonus for having successfully managed the card (e.g., a discount on your desired purchase or a coupon for other purchases).
What, exactly, is going on here, and who's in charge, anyway? What personal information is being used? How?
You've probably guessed that a statistician or data miner is working somewhere behind the scenes, making mathematical guesses about your future payment behavior. You're right! The talents embodied by these people are a necessary ingredient to the effective management of the millions of credit applications and billions of purchase requests each year.
From a statistician's point of view, this application is extremely exciting and gratifying: Billions of dollars worth of credit decisions are made each year from the integration of statistical models into practical business solutions.\
The Federal Reserve Board estimated that credit cards in 1998 carried $550 billion of debt in the United States alone. In few other ways can a statistician or data miner have so much impact!
Consumer Credit
Let it be stated that you (the credit holder) are in charge (forgive the pun), so long as you manage your spending patterns. It helps to know what information about you is collected, managed, and used. Visit The Credit Report Site for general information.
People who want to loan you money want to know as much about your financial habits as possible. Fortunately, it's impossible to quantify this exactly. (Wouldn't statistics be boring otherwise?) Nevertheless, credit grantors collect a wealth of information about you, and people like you, from various sources. This information is used only to manage their risk of extending credit.
When you apply for credit at a bank for a car, at a retailer for a credit card, etc., some basic personal information is requested. Your name, address, and income, for example, are required entries on a typical credit application at your local CompuGlobalHyperMegaNet store that sells software. The clerk may issue you a temporary "credit line" (i.e., the ability to charge up to some nominal amount, say $500). How did they arrive at that number? Why not $425 or $750?
Based on the store type and location and your application information, credit grantors will "score" you with a prediction of payment behavior (i.e., they associate these characteristics with a likelihood that you'll fail to make a payment). How?
Many thousands of individuals like you have applied for credit in the past at similar stores and demonstrated the ability, or inability, to pay off their accumulated purchases. This historical database represents a rich "model-building" data set for credit grantors to use in the construction of statistical models (for the interested reader, they're chiefly logistic regression models), which predict your likelihood of failure to pay.
For good or bad, you get a predicted response based on the behavior of all the people who are just like you-in terms of the few variables collected on the credit application (and to whom the retailer has historically extended credit). You can thank Sir Francis Galton for all this-he invented the idea of regression.
The prediction will say something like, "applicant has a 2% chance of defaulting on one of first six months' payments." Below some threshold risk, say 5%, you'll be extended an initial credit line that is balanced against the retailer's (and card issuer's) appetite for losing money. Above the threshold … too bad, so sad … you're denied. Try again later.
After you establish your credit history, other decisions such as credit line extensions, interest rate decreases, and bonuses are based on similar statistical models, built from your continuing financial and purchasing characteristics and those of all creditees who came before you.
Why are statistical models required? Primarily because they can be programmed into a computer, which aids in the efficient disposition of large volumes of credit applications. Secondarily, statistical models are not given to the inherent inconsistencies we humans are when we process large volumes of information, day-in, day-out.
So long as the data are gathered with as much accuracy as practical, and the statistician uses good practices when building the models, it is reasonable to expect that appropriate credit decisions will be made in a routine way.
It is always necessary, of course, to review the models for degradation. Statistics definitely has its benefits, but it has its limits, too!
Commercial Credit
When commercial businesses-CompuGlobalHyperMegaNet, for example-apply for credit, they go through essentially the same process consumers do. However, the loan amount sought is typically much larger-on the order of millions, rather than hundreds or thousands.
Another key difference is that businesses seeking large loans may be required to offer collateral security (i.e., something of value in case of default). Loans may be secured by property, such as buildings or land, or by inventory, such as CompuGlobalHyperMegaNet's PC inventory.
Statistical models also can be built to estimate the value of collateral offered, which further aids the credit-granting decision process when large numbers of businesses are under consideration.
The credit industry is an enormously exciting and gratifying place for a statistician/data miner to work. It's exciting principally owing to the fact that billions of dollars are at stake, and it's gratifying chiefly because statisticians and their models are playing a huge role in the disposition of many, if not most, credit decisions.
In short, we get to 'see' the results of our endeavors measured against key corporate initiatives and revenue targets. There is always the possibility of downside risk, but a statistician's role (and responsibility) calls for the appropriate use/mix of traditional decisionmaking, along with statistical models, to make sure the right credit decisions are made at the right time with the right effect.
All this gets even more exciting as data 'minable' information becomes available via the Internet. It's a great time to be a statistician!


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ingredient information
Milk Pasteurized Part Skim
Most milk packs a nutritional punch and contains protein, calcium, phosphorus, vitamins A and D, LACTOSE (milk sugar) and riboflavin. On the minus side, milk's natural sodium content is quite high. Most milk sold in the United States today is PASTEURIZED, which means the microorganisms that cause diseases (such as salmonella and hepatitis) and spoilage have been destroyed by heating, then quick-cooling, the milk. Pasteurization eliminates the possibility of disease and gives milk a longer shelf life. Most commercial milk products have also been HOMOGENIZED, meaning that the milk fat globules have been broken down mechanically until they are evenly and imperceptibly distributed throughout the milk. The end result is that the CREAM does not separate from the milk and the liquid is uniformly smooth.


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Portsmouth Herald: Air Force tanker fuels optimism for future of base
Congratulations to the Pease Air National Guard Base � home to the 157th Air Refueling Wing � on being selected as the U.S. Air Force's top choice to receive 12 new KC-46A refueling tankers. This long-anticipated decision protects the Pease ANG against future base closures and provides the local economy with a significant boost.
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Microsoft Reveals Revenue From Surface Tablet
Microsoft for the first time has said how much revenue its Surface tablets have brought to the software company.
The number, for the year ended June 30, was $853 million–a smaller amount than the $900 million charge that Microsoft recently took on on the product line.
Microsoft disclosed the Surface figure in its annual financial report, which was filed Tuesday with the Securities and Exchange Commission. The company started selling Surface last October, but Microsoft previously has been coy about how the device has sold.
Partners that help Microsoft make one of the versions of Surface, called Surface RT, previously have said sales fell short of their expectations. Microsoft earlier in July slashed prices of that model–which uses an ARM-based chip and a variant of Windows 8 that can't run older software.
At the revenue Microsoft disclosed for Surface–and assuming all units sold were the $499 Surface RT–unit sales would at most have been 1.7 million in the 12 months ended in June. By comparison, Apple sold 14.6 million iPads in a single quarter ended in June.
Microsoft said that the $900 million charge reflected costs associated with making the price cut move and writing down the value of associated components.
Following the disclosure Tuesday, a Microsoft spokesman sent a statement by email.
"We recently reduced the price of Surface RT by $150," he wrote. "We're confident this pricing adjustment, along with our dramatically expanded geographic availability and distribution channels, will help accelerate Surface adoption and position us better for long-term success.
"Surface is currently available in 29 markets and more than 10,000 retail locations. We also broadened the availability of Surface to our business and institutional customers through a new channel-expansion program that allows commercial customers to purchase Surface devices from authorized resellers in the U.S., and we will be expanding this program to additional countries in the months ahead."


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EAGLE - 'Comedy Night at the Bowlmor' returns to The Back Bowl in Eagle Saturday at 8 p.m., with the reprise performance of Miller Lite Comedy Champion, Chris Voth.
Voth was one of the first - and funniest - acts to grace the Bowlmor stage during the first two years of the Comedy Night series. He has appeared for three seasons on NBC's Last Comic Standing and is a two-time finalist on the popular comedy show. He has received accolades for his performances at the prestigous Great American Comedy Festival as well as taking top honors at Denver's Comedy Works Competition.
He continues to hone his craft by working clubs around the country both as a headliner and as an opening act for some of today's premier names in stand-up, including: Kevin Nealon, Dave Chapelle, Dana Carvey, Tommy Chong, Larry the Cable Guy, and many more.
He offers a unique perspective on relationships and his razor sharp wit leaves audiences clutching their sides with laughter. Voth's reputation for "clean" shows means his routine appeals to wide-ranging crowds wherever he goes.
Opening the second show of Comedy Night's summer season is Comedy Works mainstay, J. Marc. Already known as one of the hottest comics on Denver's highly competitive comedy scene, this is his second appearance at the Back Bowl.
Tickets are on sale now for $12 in advance and $15 on the day of the show. Tickets can be purchased in person at The Back Bowl, or by phone with a credit card.
For more information, contact The Bowlmor Lounge at the Back Bowl at 970-328-BOWL, or visit www.thebackbowl.com


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EAGLE — A man already in jail is facing three new felony charges for allegedly stealing a car and robbing a motel at gunpoint.
Forest Mangus, 31, of Rifle, was in the Garfield County jail on six other criminal charges — five of them felonies — when evidence led police investigators to him in connection with a carjacking in Gypsum two weeks ago.
Police say that on the evening of Feb. 10, a masked assailant robbed Eagle's Comfort Inn at gunpoint. The gunman fled the hotel and jumped into a getaway car parked at Eagle's City Market, just several dozen yards from the hotel.
The getaway car was described as a maroon and silver Subaru hatchback.
About a half hour after that, a woman who was washing her car at the Big Dog car wash in Gypsum was robbed at gunpoint by a man who police say was the same assailant. The man put a gun to her temple and demanded her keys and all her money.
He drove her car, a white 2011 Subaru Outback, west out of Gypsum.
Twelve days later, on Feb. 22, the Rifle Police Department located the 2011 white Subaru Outback station wagon that was stolen. A citizen notified Rifle Police Department that an unfamiliar vehicle had been left unattended for several days in a residential area of town.
A joint investigation involving the Eagle County Sheriff's Office, Rifle Police Department, Eagle Police Department and Garfield County Sheriff's Office led to Mangus, who was already in the Garfield County jail.
Mangus is being held without bail on three new felony charges: aggravated robbery, a class 3 felony; felony menacing, a class 5 felony; and aggravated motor vehicle theft by a previous offender, a class 3 felony.
Staff Writer Randy Wyrick can be reached at 970-748-2935 or email@example.com.


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Last year I joined a fantasy baseball league. In the past I had taken part in fantasy football, but this was my first go with roto-baseball, which I always thought was too intense. I was kind of right as it is fairly intense, but that is what hooked me.
I play in a league with a college buddy of mine, Joe Deaux, that is about as old-school as it gets. Last year's draft was done by phone. No internet draft app that can recommend the next best player to draft. I shouted my pick into the receiver and checked the name off a list of available players that had been sent to me a couple weeks before. It hasn't changed much in the decades this league has been going.
As a child, Joe remembers a large, thick envelope coming in the mail for his dad. Inside were about 12 pages of stats from his dad's fantasy baseball league, in which he played in with two of his closest friends.
"The front page had everybody's record," he said. "Then each page had weekly stats of every player on everybody's team and showed how many points they scored."
There were three teams in the league: the Orioles, which belonged to Joe's father, Paul; Dwain O'Quinn owned the Reds, and the Yankees were managed by Joe's uncle and Dwain's brother, Lindell O'Quinn.
The three were best friends growing up. Lindell first met Paul, who later married Lindell's sister Sharon, in the fifth grade. The league got its start in 1989, when work moved Lindell from Jacksonville, Fla. to Plano, Texas, and he wanted a way to stay in touch, saying that in his experience when people move they lose contact.
"It started out as a desire to ensure there was continuous communication," said Lindell, who oversees the league. "We just started playing what is now known as fantasy baseball."
In 1989, there was no Internet or database full of player stats readily available for fantasy enthusiasts like there is today. In fact, there really wasn't fantasy baseball as we know it today. The three guys, all in their late 30s, simply made up a game based on certain player stats and categories. Fantasy baseball had been invented already, but they hadn't heard of it yet. Their version was loosely based on a game Lindell and Dwain would play as kids in the 1960s with baseball cards and dice. You would pick your starting nine out of a deck of cards and roll a die to see what they did. A 12 would've been a home run for example.
"That was the thought process that started for me," Lindell said. "What if we just drafted players and use their stats. There wasn't a name for it at the time."
To make any changes to your team, the other two had to call Lindell; to check statsm they opened up the paper.
"I remember I use to keep up with my team," said my college buddy Joe, who joined the league when he was 8 years old in 1994, though his dad mainly managed it till he was in high school. "I'd go to the newspaper, the Florida Times-Union in Jacksonville, I'd open up the sports section, then I'd open up the National League and the American League stats, box scores and I'd just circle all the players that I had."
The league eventually started to grow as the guys saw it as a way to keep in touch with other family members as well. The league now has two of Lindell's daughters, two nephews, and until last year, Lindell's youngest sister and her husband.
"It's interesting how people talk now that fantasy will keep me in touch with other people, well Lindell knew that back in '89," said Joe. "When I showed interest, and then his girls, my cousins, they love baseball, they love sports, they just thought it was a good idea to bring family into it.
"The reason I talk to my uncle is because of fantasy baseball. Otherwise I don't really talk to him about much. I don't contact him to be like, 'Hey, how have you been?' It's like, 'Hey, have you been watching baseball?'"
The league now has 12 teams and features a mix of family and friends, but in the 22 years that it's been around, not much has changed. The rules are essentially the same, though value to different stats has been adjusted. They play two head-to-head games per week instead of three, a restriction put on by the website they now use to keep track of stats, and they also draft minor league players.
It is a keeper league, meaning that you are allowed to keep up to 11 players from the previous season on your roster and you can keep the minor league players on your team for years in case they make it to the majors. As much as this is a family thing, it's also a competitive thing.
"We want the league to be as competitive as we can," said Lindell. "What we don't want is someone to get their line-up and ignore it for six months."
With that said, there hasn't been much competition for Lindell over the years, whose Yankees team has never featured any Red Sox. He has only lost three times since they started the league, with the first season going to Paul and Dwain finally getting a win in 2009.
"He played almost 20 years before he won his first one," said Lindell.
Lindell didn't pull out last season - neither did I for that matter - and it seems like even more changes are on the way for the league. This is the first year that we will draft online, though you can still call in. But while the some things will be altered over time, the purpose of the league still stays strong.


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It's crucial you know what your guests are thinking. It's estimated that only 1 in 20 people will complain where they have a problem in a restaurant. The problem for the operator, is that many of these people simply don't come back.
A well-conceived Guest Comment Card system will give you immediate and ongoing feedback of how your guests' perceive your restaurant, both good and bad. While it's always nice to hear the accolades, it's actually better to get the bad news - so you can do something about it! If you respond to a complaint quickly and show you genuinely care, you have a good shot at retaining customers before they decide to leave and never come back.
Have your Comment Cards available at your host/hostess stand, in a box on your counters and have servers present them with the check. Some restaurants offer incentives like a complimentary dessert or beverage to guests for filling out a card. Get the bounce-back effect by making the complimentary items redeemable on their NEXT visit!
You'll probably be surprised at how much valuable feedback you get in the first week!


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BARCELONA, Spain – NFC Times Exclusive Insight: Samsung Electronics has unveiled its Apple Pay rival, which it calls Samsung Pay, a mobile-payments service that, as expected, supports technology from Samsung's recent acquisition of LoopPay combined with NFC.
NFC Times Exclusive: A long-anticipated but delayed launch of an NFC case for the iPhone 5 is finally ready to go forward, following remaining approvals needed from Visa and Apple, NFC Times has learned.
U.S. Bank, the No. 5 commercial bank in the U.S.
U.S. Bank has announced the "beta" launch of its Go Mobile service in two cities, using microSDs and an NFC-enabled case for the iPhone.
Bank of America has not yet tipped its hand about how it plans to roll out mobile payment in the U.S., but it is unlikely to use microSD cards–that is, if a recent evaluation of the technology by a bank representative is any guide.
BARCELONA – Isis, as expected, has named the first three banks planning to issue payment applications for its Isis Mobile Wallet, JPMorgan Chase, Capital One and Barclaycard US.
2012 was going to be the year that the new era of NFC-based mobile commerce had finally arrived–with Google Wallet rolling out widely, mobile operators in the U.S. and Europe making significant inroads with their own mobile wallets and big Asian m-commerce players generally commercializing NFC, as well.
In a first for the U.S. market, one of the country's largest banks plans to begin issuing dual-interface EMV cards targeted at international travelers.
Wells Fargo bank will reportedly test contactless-mobile payment this fall in association with Visa Inc., using microSD cards and a payWave application onboard.
NFC Times Exclusive Insight – Adding mobile payments capabilities to flagship smartphones appears to be a must-have feature as OEMs fight for market share in China's hotly contested phone market.
NFC Times Exclusive Insight – Contactless reader and NFC vendor On Track Innovations reported lower expenses and says it has positioned itself to earn more revenue from services in addition to its reader sales and possible NFC patent income–all in hopes of making the company profitable for the first time in its history. The question of when that will happen remains unanswered, however, and OTI doesn't provide guidance.
NFC Times Exclusive Insight – Apple has responded to a request to regulators by four major Australian banks to jointly negotiate terms for their adoption of Apple Pay and to boycott participation during the negotiations with a strongly worded letter, branding the group's proposed action worthy of a "cartel" that would "harm consumers, lead to less competition and less innovation and set a troubling precedent."
NFC Times Exclusive – Fourteen banks in Taiwan launched mobile payments using host card emulation late last week or plan to do so in coming weeks, but none of the cards that the banks' customers can load into their new Android wallet apps will sport the Visa logo–one of the two main bank card brands in Taiwan.
NFC Times Exclusive Insight – Credible reports say that Chinese smartphone manufacturer ZTE plans to join the "OEM Pay" club, and that the company has signed an agreement with payments network China UnionPay to deploy an NFC-enabled mobile payments service in China.
NFC Times Exclusive Insight – Chip maker STMicroelectronics is hoping its $77.8 million-plus acquisition of the NFC assets of Austria-based ams AG will help it accelerate its move into the Internet of Things market, especially for wearables.
NFC Times Exclusive Insight – More than a dozen Taiwanese banks and their mobile payments joint venture along with Mastercard plan to announce Thursday the launch of mobile payments using host card emulation, with more banks to follow.
NFC Times Exclusive Insight – NXP Semiconductors reported growth in its Secure Connected Devices unit, which includes its NFC chips and secure elements, as the Netherlands-based chip maker is benefitting from the rollout of mobile payments services by smartphone OEMs and renewed interest in NFC transit ticketing in China.
NFC Times Exclusive Insight – Apple's boast this week that its mobile payments service accounts for three out of four contactless payments in the U.S. says little about the number of contactless transactions it is recording stateside, but does indicate that Apple has maintained its lead over rival NFC-enabled wallets.
NFC Times Exclusive – A few days ahead of the official launch of Apple Pay in Switzerland earlier this month, Swiss consumer protection group Konsumentenschutz SKS filed a complaint with the Swiss competition officials, contending that Apple's policy of locking down the embedded chips in its NFC devices is "monopolistic" and is a violation of the country's antitrust laws. The regulator, however, has declined to launch a formal investigation, deciding to continue to observe the market for now, NFC Times has learned.
NFC Times Exclusive Insight – In an unprecedented move, four major Australian banks, including three of the country's big four financial institutions, have asked the
NFC Times Exclusive – Mastercard's planned acquisition of UK payments company VocaLink may offer the final boost needed for VocaLink's Zapp unit to launch its long overdue mobile payments service, the Pay by Bank app.


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7 Best Haircuts for Curly Hair
Put down the flat iron. Follow these expert tips for getting a great curly haircut that will work for -- not against -- your waves
Step 1: Apply a smoothing serum like Pureology SuperSmooth Smoothing Elixir, $18, and comb the middle section of your hair back.
Step 2: Blow dry hair with a diffuser, using your fingers to pull hair gently to preserve the natural texture as much as possible.
Step 3: Apply a curl cream to define pieces in the front and combat frizz that resulted from drying.
Step 4: Take a curling iron like De Fabulous Clipless Curling Rod, $150, and identify some key spots around your face that you want to dress up, says Mancuso. "Curling just a few sections of hair will give you a nice mix of spirals and softness."
SEE NEXT PAGE: Best Curly Haircuts: Andie MacDowell's Long, Thick Waves
Older comments
I have to find my diffuser..
by talecon Sunday, April 14, 2013 at 06:01PM Report as inappropriate
Love it... very helpful
by Candice11 Sunday, March 17, 2013 at 01:00AM Report as inappropriate
by aishak55 Saturday, January 26, 2013 at 07:40PM Report as inappropriate
Most of these women don't even have curly hair...it's just wavy or has obviously been heat styled and isn't naturally curly. The cuts are good suggestions though.
by amber.flute Thursday, January 10, 2013 at 03:31PM Report as inappropriate
Great advice. My hair's a mix of curly and wavy, as well as medium and coarse textures. It can be complicated, but once I learned how to style it, it's become my best asset!
by luckygal79 Monday, December 31, 2012 at 01:24PM Report as inappropriate
Thanks for the tips. I have wavy hair and love it.
by toddfan Sunday, December 30, 2012 at 03:25PM Report as inappropriate
My daughter has a challenge with her curley hair.
by EricaF123 Thursday, December 27, 2012 at 01:41PM Report as inappropriate
The women in photos do not do their hair. Stylists have told me it is hard for most people to to blow dry hair to make it look great. Ones has curly hair and to do it straight takes her long time. Wonder what they look like on their days off. When their hair is not professionally styled.
by geewhiz44 Monday, December 24, 2012 at 08:23PM Report as inappropriate
Thanks for tips for us Curly Girls.
by Sari Wednesday, October 17, 2012 at 11:24AM Report as inappropriate
I love AnnaLynne McCord's hair. I have curly/wavy hair and my hair is in layers. It gives volume and it's more manageable
by yestfl Tuesday, October 16, 2012 at 09:27AM Report as inappropriate
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Ben Fry has updated his salary vs. MAY 17 2007
Ben Fry has updated his salary vs. performance graph for the 2007 MLB season...it plots team payrolls vs. winning percentage. The Mets and Red Sox should be winning and are...the Yankees, not so much. Cleveland and the Brewers are making good use of their relatively low payrolls.


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A high rate of illness among students shut down Noxubee County schools Thursday and Friday.
School superintendent Dr. Kevin Jones said up to 35 percent of elementary students and 25 percent of the high school were out with flu-like symptoms this week.
Jones said the health department advised that the building be sanitized.
"Because the children were ill they will be able to make up anything that they've missed because it's not their fault. We will be working with parents, working with students, to insure these students who were ill who may have missed some instruction prior to us releasing early for the weekend on Thursday," said Dr. Jones. "They will be allowed to make that up in sufficient time when they feel better."
Jones said the two days during which school was suspended this week would have to be made up at a later time.
wtok.com: Extended Web Coverage
How the Disease is Spread
What Should You Do?
Source: http://www.cdc.gov/ncidod/diseases/flu/fluinfo.htm (The Centers for Disease Control and Prevention Flu Facts Web site) contributed to this report.


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Trey Anastasio Band,
Monday, 03/05/2001
The Fox Theatre, Atlanta, GA
Set 1: Gotta Jibboo, Acting the Devil, Come On Baby, Let's Go Downtown[1], Burlap Sack and Pumps, It Makes No Difference, Drifting, Nothing But an 'E' Thing, I Done Done It, O-o-h Child
Set 2: Happy Coffee Song, In the Wee Wee Hours, Push On 'Til the Day > Tube Top Flop, The Way I Feel, The Chicken, Sand
Encore: Back on the Train[2], Bathtub Gin[2], Signed, Sealed, Delivered I'm Yours
[1] Dedicated to "Chris and Kevin."
[2] Trey solo acoustic.
Notes: Trey dedicated "Come on Baby Let's Go Downtown" to his friends Chris and Kevin. Trey performed "Back on the Train" and "Bathtub Gin" solo, acoustic. This second Fox Theatre show was not originally scheduled as part of the tour; it was added the day before, with tickets going on sale at midnight the day before the gig. "Sand" included extended thanks from Trey to Paul, the crew, and the fans.
Musicians: Trey Anastasio, Dave Grippo, Jennifer Hartswick, Russ Lawton, Tony Markellis, Andy Moroz


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THE BAD: Probably the worst part about this show is just that the soundboard does not circulate!
ETC: Look for Dave's Energy Guide teases in Stash (8:10) and Bowie (8:25). I Didn't Know was dedicated to the Blokes and there's a reference to the "ancient sounds of England". Tweezer contains inaudible and eerie Trey whispering (a la 12/29/94 Bowie) as well as a heavy-metal jam. Listen to Trey describe Poor Heart as "Vermont Grass" as well as an I Dream of Jeannie tease by Page in Fluffhead (8:23).


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The Congress will pass a debt-reduction plan and you can be sure the Military will be shafted when they do.!!!
Primary tabs
Will Congress pass a deficit-reduction plan?
11 Comments
History teaches us that a Dysfunctional Congress is caused by an INCOMPETENT PRESIDENT.
In my seventy years of watching Government I can tell you for sure that a DYSFUNCTIONAL Congress, is always caused by an INCOMPETENT President.
Do you remember 1981? The national debt was fast approaching $1 trillion. Remember the TRIM campaign calling for "No Trillion Dollar Debt"?
And here we are in 2013 and Congress is about to increase the debt by nearly $1 trillion in a single increment.
It is a sad state of affairs when we add an amount equal to an amount that took over 200 years to accumulate, and it is expected to last only 14 months!
In the last 32 years the debt has increased by a factor of 16.3. If it increases by the same factor over the next 32 years, by 2045 the debt will exceed $265 trillion. A quadrillion dollar debt would occur in the lifetime of today's youth. This is unsustainable.
Are you certain your numbers are correct? For arguments sake, I'll accept them for now. In any event, if we're to reduce the deficit in any meaningful way, we cannot keep sustaining corporate welfare, or purchasing the newest toys for the military to test, and we simply MUST stop invading countries without a moral cause, like "they bombed our people".
Now, our hysteria over terrorism is classically over-the-top American bullshit, because now we are letting the spy agencies throw away whatever civil rights were left and are copying and storing every communication within or outside our national borders. This includes tracking license plates, cell phones, and ATM transactions as well as SMS, email, chat rooms, et al. Remember when the fringe few warned that the govt would insert markers under skins better to track our movements and associations? All they have to do now is monitor the airwaves and store as much data as possible.
The attacks on 9/11 were not the beginning of a New America; however, The Patriot Act signaled the beginning of the End of the America envisioned by the Founders. And, if that's not bad enough, we now have to contend with elected officials who'd rather resort to political terrorism than find common ground. The ACA was conceived by the Heritage Foundation, a very conservative think-tank. It was the GOP's best and most comprehensive plan to assist marginalized folks back into a better healthcare system! Yes, Jimmy! "ObamaCare" is an idea borrowed from conservatives. It was the PRIMARY reason President Obama was re-elected by another landslide. Granted, The President has not done a good enough sales job for this promising new policy. Instead of working with the Executive Branch to bring bi-partisan support for a great idea, the Tea Party types decided that saving the lives of 40,000 to 50,000 fellow Americans every year was not important enough to be seen working with a distinguished man of color. Besides, the only people who'll see increases to their premiums are wealthy enough to afford it.
Now we're back to debating whether tax policy should lessen the burden on the wealthiest and by how much while our nation's economic foundation is shifting away from those who desperately need and want well-paying jobs necessary for long-term growth of the economy. The middle 80% is what makes or breaks America. We in deep trouble, child.
Comparing the 2013 deficit to 2009, when it was well over $1 trillion is the punch line to a bad joke. The deficit this year will be over $600 billion, which is NOTHING to brag about. The government will not "shut down". Mandatory payouts, i.e., Social Security, defense, law enforcement, etc., will continue as necessary. The sky is not falling, and budgetary discipline is needed now, more than ever.
I do hope there is not a Government shut down. I need my husband's and my (Federal) retirement to pay for his nursing home costs! What do I do if we don't get paid? This is a ridiculous situation. We vote these politicians into office and then they put us in a terrible situation!
The deficit is already falling dramatically, the most and fastest in over 50 years. It is half what it was in 2009 and falling even more. As was said above, what is before Congress is not deficit reduction nor should it be at this point. They need to fund the government and pay our bills, anything less is extortion. It could not be any clearer than that.
During last year's presidential campaign, then Congressman Ron Paul proposed a deficit reduction plan. Not one else has ever done so. The best that has been proposed, aside from Ron Paul, have been plans to reduce the rate of increase of the deficit, but not to actually reduce the deficit. Politics as usual.
The matter before the Congress is a continuing resolution on funding the operations of the Federal government. It is not a deficit reduction plan.


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Halloween 2013: Top 10 BEST Costumes
- By Bossip Staff Categories: CELEBRITY, For Discussion, For Your Information
Halloween isn't officially until Thursday but everyone celebrated the spooky holiday this past weekend. Aside from the ugly racism and costume controversies, it was an enjoyable time filled with hilariously creative costumes that won the internet.
Here are the ten BEST Halloween costumes of the year. Take a look.


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|Length Overall
|19' 2''
|Dry Weight
|1,700 lbs.
|Tested Weight
|Weight Capacity
|Draft Up
|Person Capacity
|Draft Down
|Fuel Capacity
|37 gal.
|Air Draft
|Water Capacity
|Length on Trailer
|Max Headroom
|Height on Trailer
|Bridge Clearance
|Trailer Weight
|Total Package Weight (Trailer,Boat & Engine)
|Prices, features, designs, and equipment are subject to change. Please see your local dealer or visit the builder's website for the latest information available on this boat model.
|Std. Power
|Not Available
|Tested Power
|1 x 220-hp 4.3L MerCruiser
|Opt. Power
Not Available
|Vectra Vectra
Choose Your Adventure with Vectra's 192 Fish and Ski
By Capt. Rob Smith
The is a cross-over design with the big trolling motor and fish finder on the bow, but she still had the lines of a typical ski boat. With just a few simple changes you can leave the fishing gear behind for a great day of cruising and fishing, or load it on, pick up the bait and catch dinner.
At the Bow
Up on the foredeck, the 192 has a Lowrance X-50 D6 so you can keep up with the bottom and find the stealthy fish. Next to that is a Minn Kota PD55 trolling motor with tethered foot control. Converting the bow, you can add a casting chair pedestal and bring one of the aft jump seats up to be a casting chair. The cup holders in front of the windshield are within reach to keep your coffee or cold beverage ready. A few changes and you have room for two to relax. A locker in the bin under the bow cushion fit an anchor and rode. The trolling motor batteries are tucked into the side lounger benches up front. The full-framed wrap-around windshield protects you well from spray and chilly breezes and has a wide walk-through to get back to the cockpit.
Cross-Over Features
In the cockpit, there is a large sole locker to store all your skis and extra gear. The locker is painted inside and has a sturdy lid. The edges seemed a little sharp to me, so I would round them off to protect little fingers that may try to open it. Both the helm and companion seats are comfortable and feature slide and swivel adjustments. There is plenty of space to keep your favorite lotions and sunglasses handy in the side pockets and the safety grab bars give the timid something to hang on to when it's rough. For those who like to be their own DJ, a MP3 jack is in the side panel to hook up your iPod or MP3 player through the stereo. The stereo is mounted in the upper glove box and the lower glove box is large enough to store wallets and other important items. Flipping the lid down you find it two cup indents to hold your drinks at anchor. Although the speakers are mounted in the foot wells, the sound still seems to be ok. Over at the helm, you have a typical ski boat set up with padded three-spoke sport wheel with rack-and-pinion steering. Analog gauges are supplemented by a digital depth gauge and lighted rocker switches.
Seating & Storage
The cockpit has room across the back with two fold-down seats that can be lifted out and put on casting pedestals in the front or back. A bench seat in the center adds more storage space for tackle and lines. Cargo net storage pockets at the back are handy for ski gloves and/or fishing tools. Drink holders are on either side for the jump seat riders. On the port side of the aft deck is a livewell right next to the casting seat location so it is easily reached while fishing. Underneath the deck was a 4.3L MerCruiser on our test model. Taking advantage of the engine heat is a bin on the starboard side where you can keep the wet lines and life jackets. On the stern is a LED light to light up the swim platform, concealed three-step swim ladder and a JBL stereo remote to control the tunes from the water on our test ride.
The 192 Fish and Ski measures 19'2" length overall and has a wide, stable beam width of 98". She weighs in at about 1700lbs without the engine and carries 37 gallons of fuel to keep you running all day long.
I tested her in some pretty stiff winds and finally found a cove with some protection. She handled quite smoothly with good turning radius and no cavitation. Around the docks she worked just as well. I found her top speed to be about 44.8 mph at 4800rpm with a cruise speed of 37.8rpm at 4000rpm. At cruise, she should deliver 134 miles on a full tank. She is on plane in 4 seconds and up to 30 mph in 7.8 seconds. Obviously, with a top revolution rate of only 4800rpm, some adjustments in propeller may be necessary, but I was very impressed with her zip and pep.
Whether you like to wet the hook or hook a wake, you are going to have a ton of fun with the Vectra 192 Fish and Ski!
= Standard = Optional
|Warranties change from time to time. While BoatTEST.com has tried to ensure the most up-to-date warranty offered by each builder, it does not guarantee the accuracies of the information presented below. Please check with the boat builder or your local dealer before you buy any boat.
Full Warranty Information on this brand coming soon!


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Mocavo.com offers halp with your online searches while you are sleeping, reading, or just off having a good time. This pictureis part of an email displaying results of a research request entered into mocavo (after the Free signup for a Mocavo account). The results are compiled while you are doing other things (on the computer or off) and sent to your email address. Clicking on the link takes you to a page where you can go to each item found and see if it helpful in your research. Since Mocavo adds new places to search on a regular basis, the search will be repeated in the future and sent to you. This is a great feature of this search engine/service.
Filed under: Computer Tips, Resources, Tips Tagged: | Mocavo.com


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Idaho Rules of Civil Procedure Rule 83(f). Notice of Appeal - Contents.
A notice of appeal to the district judges division of the district court filed pursuant to this rule shall contain the following information and statement:
(1) The title of the court from which the appeal is taken.
(2) The title of the court to which the appeal is taken.
(3) The date and heading of the judgment or decision from which the appeal is taken.
(4) A statement as to whether the appeal is taken upon matters of law, or upon matters of fact, or both.
(5) A statement as to whether the testimony and proceedings of the original trial or hearing were recorded or reported, together with an identification of the method of recording or reporting and the name of the party or person in whose possession such recording or reporting is located.
(6) A statement of the issues on appeal which the appellant then intends to assert in the appeal; provided, such statement may be filed separately within fourteen (14) days after the filing of the notice of appeal and any such list of issues on appeal shall not prevent the appellant from asserting other issues on appeal thereafter discovered by the appellant.
(Amended effective July 1, 1977; amended December 27, 1979, effective July 1, 1980; amended April 19, 1995, effective July 1, 1995.)
Chief Justice Jim Jones
Justice Daniel T. Eismann
Justice Roger S. Burdick
Justice Warren E. Jones
Justice Joel D. Horton
Chief Judge John M. Melanson
Judge Sergio A. Gutierrez
Judge David W. Gratton
Judge Molly J. Huskey
Promoting Openness In The Courts
Do you have suggestions about how we can better serve you?


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Make a Gift, Make a Difference
The Annual Fund at Utah State University provides an opportunity for all alumni, friends and parents to positively impact the educational experience of each and every Aggie student. Gifts to the Annual Fund are generally unrestricted, and allow President Stan Albrecht and our administration the flexibility to address critical needs and develop new initiatives at USU. Annual Fund gifts might also be used to support:
- Scholarships and Tuition Assistance
- Research and Discovery Opportunities
- Improvements and Upgrades for Learning Facilities
Each gift to the Annual Fund is an investment in the potential of our institution and our students, and reflects the donor's pride in his/her involvement in the Aggie community.
The Annual Fund at Utah State University
1421 Old Main Hill
Logan, UT 84322-1421
Director, Annual Giving - Ryan Baldwin, 435-797-2143, email@example.com
Assistant Director, Annual Giving – Sian Smith, 435-797-0863, email@example.com
Giving questions? Please contact:
Wendy Oliverson
Assistant Director of Gift Management


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A new technique for improving the eye symptoms of ocular rosacea, a possible biochemical clue to its diagnosis and a potential link between Demodex and the development of corneal ulcers are among the advances from National Rosacea Society-funded researchers to appear in recent medical journals.
Dr. Edward Wladis, a previously funded NRS researcher, recently reported in the journal Ophthalmic Plastic and Reconstructive Surgery that probing to clear blockage of the meibomian glands — oil glands along the rim of the upper and lower eyelids — was a safe and effective technique to allay the tearing and discomfort associated with subtype 4 (ocular) rosacea.1
"Probing is a nice adjunct to what we can offer patients to alleviate many of the dry eye symptoms that patients with ocular rosacea face," Dr. Wladis said.
In the study, five men and five women with rosacea underwent the procedure, in which thin probes are inserted to clear blockages in plugged glands. All reported improvement in their symptoms, and were able to decrease their use of artificial tears. No complications were identified in the six-month follow-up period.
The meibomian glands, the oil glands inside the eyelids, are typically affected in ocular rosacea patients and may often be blocked, causing instability of the tears that lubricate the surface of the eye, and a gritty granular sensation indicates damage to the ocular surface.
"It's important that anyone with significant symptoms of ocular rosacea make an appointment with an ophthalmologist, as potential corneal complications may involve the loss of visual acuity," Dr. Wladis noted.
In the journal Ocular Surface, Dr. Mark Mannis and colleagues reported a study of the properties of glycans, a type of molecule, in the tears and saliva of healthy individuals and those with rosacea.2 They noted that O-glycans were dramatically increased in the tears and saliva of those with rosacea, while healthy individuals had high amounts of N-glycans. The researchers said that the identification of high levels of this specific molecule in individuals with ocular rosacea may lead to the discovery of an objective diagnostic test.
Dr. Kevin Kavanagh and colleagues found a possible link between bacteria found on Demodex mites and the development of corneal ulcers in rosacea patients, according to a recent report in the scientific journal Investigative Ophthalmology and Visual Science.3
In the study, skin cells from the cornea were exposed to proteins from the Bacillus bacteria taken from a Demodex mite on the face of a rosacea patient. Demodex mites are microscopic parasites that are normal inhabitants of facial skin, but are often found in greater numbers on rosacea patients.
The researchers found that the exposed cells showed an increase in genes linked to an abnormal wound healing response, and noted that these findings suggest a potential connection between the high density of Demodex mites on the eyelashes of ocular rosacea patients and the development of corneal ulcers.
The National Rosacea Society is a 501(c)(3) nonprofit organization whose mission is to improve the lives of people with rosacea by raising awareness, providing public health information and supporting medical research on this widespread but little-known disorder. The information the Society provides should not be considered medical advice, nor is it intended to replace
consultation with a qualified physician. The Society does not evaluate, endorse or recommend any particular medications, products, equipment or treatments. Rosacea may vary substantially from one patient to another, and treatment must be tailored by a physician for each individual case. For more information, visit About Us.


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I need tips to finishing at the basket. I am probably the worst finisher at the basket in America. I get to hoop and just blow the the lay up. I don't think i got blocked once this season but i did miss A LOT of layups like i was 4 for 40 i think. I need help bad, got any tips?
Get your eyes on the rim, and as far as layups go, aim for the near high corner of the box on the backboard. And, above all, make sure you are practicing short-range shots along with other stuff you might be working on.
Their are A LOT of things that could effect finishing at the rim, maybe your too short with the motion, maybe your trying to get the shoot off too far or too close to the goal.
The best advice is to watch some Professional videos, maybe even some videos of your favorite player finishing at the rim, and just try to get the fundamentals into your game, after you get the fundamentals, PRACTICE, PRACTICE, PRACTICE.
Practice makes perfect... WRONG, Perfect practice makes perfect.
Never drive to the basket I recommend you drive to your scoring spot. Also you can drive and perform a jump stop at the blocks. Remember it's a lay up not a shot when you are in motion towards the basket. I hope this helps you.
Finishing at the basket is a skill that takes mastery. Here are some tips to help you improve:
If you follow these tips you should be great at finishing in no time! Good luck and I hope this helps.
"Good, better, best. Never let it rest. Until your good is better, and your better is best." ~Tim Duncan
* "Dare to be great." *
"Hard work, a positive attitude, confidence, and a smile are the keys to success."
Basketball is life....#14
I was just like you at one point, but I downloaded Taylor allan's scoring secrets special and for some reason i have gotten quicker and better at everything. Also, use your eyes to sell the fake, the better you are, the more room you will get, and focus on the rim and getting away from your defender.
"I've missed more than 9,000 shots in my career. I've lost almost 300 games. 26 times, I've been trusted to take the game winning shot and missed. I've failed over and over and over again in my life. And that is why I succeed."-Michael Jordan
I am seinor in hs and am the starting pg for my team. I am small as well, but I dont mind getting blocked. Usually the guy who blocks me will block it out of bounds. Big deal, still my ball. If you get a step on your guy then just extend your arm and use your finger tips. Jump high up and shield your self from the defender. Shoot high but soft off the glass. Believe in yourself and good things will happen.
Keep ballen
Try to jump,as straight up as possible. Don't run full speed at the basket and throw something up. If you jump up, not stop and jump straight up, but get a good up motion you can stabilize yourself which will get you under control for the lay-up. Like what pghardworkaded said, jump high and shield from your defender. Also if you can get more halftime than the defender you can wait til he goes down, so work on your legs muscles.
Hang time! Not halftime. Sorry!
ACTIVE is the leader in online event registrations from 5k running races and marathons to softball leagues and local events. ACTIVE also makes it easy to learn and prepare for all the things you love to do with expert resources, training plans and fitness calculators.


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'Ugliest couch' contest
It's the ultimate elephant in the living room: the ugly couch. Email a current or previous photo of your unseemly sofa, disagreeable davenport or contemptible couch to reporter Angela Hill at firstname.lastname@example.com by Feb. 28.
We'll put together a slideshow of entries on www.insidebayarea.com, and the winning photo will run in the print edition.
Sofa sagas
Have you ever had a tough time getting rid of an old couch? Online posts don't always do the trick, charity groups are often picky about what they'll accept, and a trip to the landfill takes a truck and some bucks. So davenport disposal is sometimes a challenge.
If you have a fun story about trying to unload an unwanted sofa, contact reporter Angela Hill by Feb. 22 at firstname.lastname@example.com or 510-208-6493.


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If you don't know what Port Forwarding is yet, you might want to start by reading our What is Port Forwarding guide.
You might also be interested in our huge collection of Router Screenshots where you can see every page of every router that we know of.
To setup port forwarding on the Micronet SP3351 router your device needs to have a static IP address. You should complete one of the following steps first:
Now that you have setup a Static IP Address on your device, please enter the IP address that you assigned to your device here:
Now we need to know your routers IP address. You can find it a variety of ways.
It's ok if you don't know your Micronet SP3351 router's internal IP address. You can find it by doing one of the following:
Open a web browser like Internet Explorer or Firefox. Enter the internal IP address of your router in the address bar of your browser.
In the picture above the address bar has http://www.google.com in it. Just replace all of that with the internal IP address of your Micronet SP3351 router. By default the IP address should be set to 10.0.0.2.
You should see a box prompting you for your username and password. Enter your username and password now.
Click the Ok button to log in to your Micronet SP3351 router.
Please visit our Default Micronet Router Passwords page if the username and password shown below did not work for you.
If you can't login to your router because you forgot your Micronet SP3351 router username and password, use our How to Reset a Router Password guide to set your Micronet SP3351 router back to its factory settings.
If you are having trouble with this guide, then perhaps PFConfig may be your solution. PFConfig is a software tool that will automatically forward ports for your router to save you time and hassle.
Before we can forward ports for mIRC, we need to set the ports that Mirc uses. Here is a brief walkthrough on how to do that. Go ahead and open up mIRC.
Click View in the menu at the top of your screen. In the list that drops down click Options.
On the left hand side of this new page click the plus sign in front of Connect. In the list that drops down click the Options link. There should be an Advanced button on this page. Go ahead and click it now.
Make sure there is a checkmark in the DCC checkbox. We will be using 10051 through 10070 as our port range in this example, but you can choose any port range you like. If you decide to choose another port range, you will need to forward the ports you chose instead of 10051 to 10070. The port range we are using in this example gives us plenty of ports for DCC file transfers. Once you have set the ports to use click the OK button all the way out to mIRC's main menu.
Now that you are logged in to your Micronet SP3351 router you should see the following:
Click the Virtual Server link near the left of the page.
We will list a series of lines here that will show you exactly how to forward the ports you need to forward. mIRC DCC - IRC DCC requires you to forward the 1024-5000 ports. Go ahead and enter the settings shown above into the Virtual Server Configuration menu and then click Add This Setting.
|Public Port - Start
|Public Port - End
|Private Port
|Port Type
|Host IP Address
When you're finished, click Save Settings / Reboot near the left of the screen to save your changes.
And that's it! You're done!
Now that you have forwarded ports for mIRC DCC - IRC DCC on the Micronet SP3351 you should test to see if your ports are forwarded correctly.
To test if your port has been properly forwarded, you can use our Open Port Check tool. Our Open Port Check tool is the only online port checking tool with Guaranteed Results.
Didn't find the screenshot you were looking for? Check our our Micronet Router Screenshots. We have the Internets largest collection of Router Screenshots.


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Book your room at The Westin Stonebriar Hotel & Golf Club
Get an overview of this hotelSuburban resort adjoins championship golf course
Close to shopping
Located 2 miles from the Stonebriar Centre shopping mall and Dr Pepper/Seven Up Ballpark, this resort is 12 miles from Galleria Dallas and 21 miles from DFW Airport.
Leisure options
In addition to the 18-hole course designed by Tom Fazio, guests enjoy a health club and a lagoon-style outdoor pool with water slide, spa tub, and poolside putting green.
Heavenly Beds, Baths
All 301 nonsmoking guestrooms include Westin Heavenly Beds with pillowtop mattresses, Heavenly Baths, 37-inch flat-panel TVs, and high-speed and wireless Internet access.Would you like to give us feedback? Share it! Opens in a new window
The Westin Stonebriar Hotel & Golf Club1549 Legacy Dr Frisco TX 75034
Renovations & Closures
- Bar/lounge
- Lobby
Hotel Amenities
Hotel Amenities
Adjacent to an 18-hole golf course designed by Tom Fazio, the Westin Stonebriar is 12 miles from Galleria Dallas and within 22 miles of downtown and Dallas/Fort Worth International Airport.
Recreation facilities include a 24-hour WestinWORKOUT health club with free weights, cardiovascular and strength-training equipment. A meandering outdoor pool has a water slide, oversized spa tub, and poolside putting green. Spa services include massage treatment rooms and aromatherapy.
With a focus on steaks, the Legacy Grill offers indoor and patio dining overlooking the resort pool. Other dining options include the club-like Ernie's Bar, the lobby-level Peter's Café, and 24-hour room service.
The Westin's 24,000 square feet of meeting and event space includes 2 ballrooms and 12 multi-function conference rooms. Wired and wireless Internet access (surcharge) is available in public areas, including the 24-hour business center.
Complimentary transportation is provided to businesses and attractions within a 3-mile radius from early morning until late evening. Self parking is complimentary, and valet parking is available for an additional charge.
The Westin is entirely smoke-free.
Please note from Feburary 22, 2016 through March 31, 2016, the lobby will be under renovation. During this time, the Front Desk will be relocated to an area near the hotel entrance and the hotel Library will not be available. Additionally, from Feburary 22, 2016 to March 31, 2016, Ernie's Bar will be temporarily relocated. Please contact the hotel for further information.
- Valet parking (surcharge)
- Number of buildings/towers - 1
- Breakfast available (surcharge)
- Outdoor pool
- Poolside bar
- Spa tub
- Spa treatment room(s)
- Free newspapers in lobby
- Bar/lounge
- Restaurant
- Limo or Town Car service available
- Business center
- Meeting rooms
- Conference space
- 24-hour front desk
- Porter/bellhop
- Safe-deposit box at front desk
- Total number of rooms - 301
- ATM/banking
- Gift shops or newsstand
- Dry cleaning/laundry service
- Number of floors - 5
- Elevator/lift
- Golf course on site
- Coffee shop or café
- Express check-in
- Express check-out
- Fireplace in lobby
- Health club
- Free WiFi
- Wired (high-speed) Internet access - surcharge
- Library
- Multilingual staff
- Free self parking
- Smoke-free property
- Wedding services
Family Friendly Amenities
- Family Hotel
- Outdoor pool
- Free Wi-Fi
- Rollaway/extra beds available
- In-room childcare (surcharge)
- Refrigerator
- Cribs/infant beds (complimentary)
Available in all rooms: Wireless internet access ( USD 9.95 per day ), Wired high-speed Internet access (surcharge)
Available in some public areas: Free WiFi , Wired (high-speed) Internet access - surcharge
Free self parking, Valet parking (surcharge)
Room Amenities
- WiFi (surcharge)
- Wired high-speed Internet access (surcharge)
- Connecting/adjoining rooms available
- Free cribs/infant beds
- Premium TV channels
- Pay movies
- Video-game console
- Hypo-allergenic bedding available
- Premium bedding
- Room service (24 hours)
- In-room climate control (air conditioning)
- Free weekday newspaper
- Air conditioning
- Blackout drapes/curtains
- Phone
- Refrigerator
- Coffee/tea maker
- Daily housekeeping
- Designer toiletries
- Bathrobes
- Hair dryer
- In-room massage available
- Shower/tub combination
- In-room childcare (surcharge)
- In-room safe (laptop compatible)
- Down comforter
- Pillowtop mattress
- Satellite TV service
- Flat-panel TV
- Iron/ironing board
- Desk
- Rollaway/extra beds available
Where to Eat
The Legacy Grill - This elegant dining room has indoor and patio seating overlooking the lagoon-style pool. The American-regional menu focuses on salads and steaks with house-made rubs and sauces. Open for breakfast, lunch, dinner, and Sunday brunch.
Ernie's Bar - Adjacent to the Legacy Grill, this golf-themed lounge has leather sofas and chairs, a marble-and-wood bar, large flat-screen TVs, and a fireplace. Serving cocktails and light meals from midday until late night.
Aquabar and Grill - This poolside bar and grill is open seasonally.
Peter's Café - A lobby-level coffee shop serving Starbucks beverages, light snacks, and pastries. Open from early morning until mid-afternoon.
Nearby Things to Do
The 200-foot, lagoon-style pool has a water slide and oversized spa tub. A small putting green is poolside. The 24-hour health club offers the WestinWORKOUT, with free weights, two dozen cardiovascular machines, and strength-training equipment. Men's and women's locker rooms have steam rooms.
The resort is adjacent to an 18-hole championship golf course designed by Tom Fazio. Golf facilities include a driving range, pro shop, putting green, clinics, and private lessons.
A NHL regulation-size ice-skating facility is located at the Stonebriar Centre mall two miles away.
The recreational activities listed below are available either on site or near the hotel; fees may apply.
- Golf driving range on site
- Golfing on site
Spa Services
- Aromatherapy treatments
Hotel Policies
Minimum check-in age is 21
Check-in time starts at 3 PM
Special check-in instructions:
Check-out time is noon
Payment types
- Pets allowed
- Dogs only
- 1 per room (up to 40 lb)
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
Optional extras
- Fee for buffet breakfast: USD 18.95 per person (approximately)
- Fee for in-room wireless Internet: USD 9.95 per day (rates may vary)
- Valet parking fee: USD 15 per day
Hotel Name
- Stonebriar Westin
- Westin Stonebriar
- Westin Stonebriar Frisco
- Westin Stonebriar Hotel
- Westin Stonebriar Hotel Frisco
- The Westin Stonebriar Hotel Frisco
- Westin Frisco
- The Westin Hotel In Frisco Tx
- Westin Stonebriar Frisco Texas
- The Westin Stonebriar Resort
- Frisco Westin
We should mention
Children 18 years old and younger stay free when occupying the parent or guardian's room, using existing bedding. The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.