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Senate passes bill to delay flood insurance hikesap file photo
Sen. Pat Toomey, R-Pa., speaks with reporters on Capitol Hill in Washington, as the discussion about flood insurance rates continued this week.
WASHINGTON Hundreds of thousands of homeowners in coastal and flood-prone areas would win protection from sharply higher federal flood insurance premiums under legislation muscled through the Senate on Thursday after angry constituents inundated Capitol Hill with complaints.
The 67-32 vote reflects widespread alarm about changes enacted two years ago to shore up the programs finances. In many cases the changes produced unexpected, sky-high insurance rates that are unaffordable for many homeowners in flood-prone areas whose insurance has historically been subsidized by the government and other policyholders.
Something is just terribly wrong when homeowners are more worried about raging flood premiums than they are about raging floods, said Sen. Jeff Merkley, D-Ore.
The bill would delay for up to four years huge premium increases that are supposed to phase in next year and beyond under new and updated government flood maps. It also would allow homeowners to pass below-cost policies on to people who buy their homes. People who have recently bought homes and face sharp, immediate jumps in their premiums would see those increases rolled back.
Opponents of the bill say it unravels long-sought reforms of the flood insurance program, which has required numerous taxpayer bailouts and owes $24 billion to the Treasury Department as a result.
Its simply irresponsible for the Senate to gut reforms they overwhelmingly adopted just a year and a half ago, said Steve Ellis, vice president of Taxpayers for Common Sense. He called the bill an empty, feel-good, four-year delay that will keep people in harms way, accelerate the insolvency of the program, increase uncertainty about future rates, and cost taxpayers billions.
The measure goes to the GOP-controlled House, where theres tension between supporters of the Senate approach and top Republicans like Financial Services Committee Chairman Jeb Hensarling, R-Texas, who is largely standing behind the 2012 changes. Hensarling spokesman David Popp said the chairman wants free-market alternatives to the government-run flood insurance program.
But allies of delaying the rate hikes demonstrated in a 281-146 vote last year in the House that they have sweeping support for delaying premium increases. That vote, on an amendment by Rep. Bill Cassidy, was included in this months government-wide funding bill. It effectively guarantees a few months relief to those facing increases late this year because of new maps but doesnt allow people to pass below-market rates on to people who buy their homes.
At issue is the government-run flood insurance program, in which taxpayers and other homeowners subsidize below-risk rates paid on older homes in both coastal areas threatened by hurricanes and big storms and inland areas near flood-prone rivers. A sweeping overhaul that passed virtually unanimously in 2012 was designed to make the federal flood insurance program more financially stable and bring insurance rates more in line with the real risk of flooding.
The Federal Emergency Management Agency, supporters of the legislation say, is doing a poor job of producing new, accurate flood maps. The bill would also make it easier for homeowners to challenge faulty maps.
The rates that would be imposed if the law doesnt get changed will be impossible not just impractical, impossible, said Sen. Roger Wicker, R-Miss. Its being implemented with faulty data and we need to go back to the drawing board.
Projections of the new rates have caused anxiety among hundreds of thousands of homeowners. The loss of subsidies when homes are sold has put a damper on the real estate market and threatened home values. Some homeowners are snagged in a Catch-22.
They face rates that, once phased in, they wont be able to afford. But because of the higher insurance rates, they also face having to sell their properties at distressed prices.
Hours before the final vote, the Senate by an almost 2-1 margin rejected an alternative plan by Sen. Pat Toomey, R-Pa., that would have capped the premium increases on most properties including homes being sold at 25 percent per year until the premium reflected the true flood risk. Ten Republicans sided with unanimous Democrats to reject the idea.MORE IN World/National BusinessWASHINGTON Long-term U.S. Full StoryNEW YORK Its not just the musical Hairspray that will air live on NBC tonight. Full StoryOXON HILL, Md. Far from the Las Vegas Strip, MGM Resorts International opens its $1. Full Story
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The Super Bowl has never gone into overtime, but advertisers Pizza Hut and Taco Bell are planning to extend their Super Bowl marketing beyond game day ads with digital promotions and systemwide giveaways after the final gun sounds on the National Football League's Feb. 3 championship game. The two chains, both owned by Louisville, Ky.-based Yum! Brands Inc., have pregame commercials planned to introduce new products, including a Cantina Bell Steak Burrito at Taco Bell and an ...
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Flex-a-lite Compact Cooler 4130
Light Duty And Fuel - 4500 GVW - 6 AN Fittings
Pricing: $68.67
Flex-a-lite - Compact Cooler P/N 4130 Features:
- Great For Cramped Spaces
- Supplied With Gator Clips
- With #6AN Fittings Standard
- Made In The U.S.A.
Product Documents:
We at Flex-a-lite have been leading the way in cooling product technology for over 40 years. We pride ourselves on our product design, manufacturing and marketing -– but it is our focus on continual process improvement and customer satisfaction with exceptional value and service that keeps us in the forefront of our markets. The brand name "Flex-a-lite" serves, the passenger car, or automotive aftermarket, with belt-driven engine cooling fans, electric fans, transmission and engine oil coolers. The brand name "FAL" offers the same products to the younger sport compact market, and also offers poly carbonate windows. We designed the first plastic Heavy Duty truck fans in 1968 for Class VI & VIII trucks, and produced the first one-piece plastic truck fan in 1977, followed by the first injection molded truck fans in 1979. In 1978, Flex-a-lite developed the first electric engine cooling fan for the U.S. Aftermarket. In 1982, the company began producing vertical incubator systems for salmon and trout hatcheries worldwide under the brand name "MariSource". We also manufacture various metal and plastic components with high-volume and high tonnage punch presses, precision press brakes of various sizes for local customers. We sell products globally through distribution channels that are handled by direct sales managers employed at the company who then use manufacturer representatives to augment the sales effort. Fisheries products are sold directly to State and Federal government agencies, truck fans are sold through various distribution channels including Paccar, Freightliner, Volvo, GM, and Navistar. In 1997, land was purchased in Fife, Washington and our company moved the entire manufacturing plant to our current 65,000 square feet facility. We share a 35,000 square foot outside storage area with our sister company, Cascade Plastics Co., and own 9 adjacent acres for future growth.
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On the wall next to my desk is a small framed piece of calligraphy, a gift from a friend with a talented hand, with this passage from Psalm 127:
Lo, sons are a heritage from the LORD, the fruit of the womb a reward.
Like arrows in the hand of a warrior
are the sons of one's youth.
Happy is the man who has his quiver full of them!
He shall not be put to shame when he speaks with his enemies in the gate...


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Helping students gain understanding and self-confidence in algebra.
mabasamunashe wrote:The period T, of a simple pendulum is dwefined by the function T=4pi rut(l/g) where g is the constant gravitational acceleration and l the length of the pendulum.find the %change in the period caused by lengthening the pendulum by 2%.please help i diffrentiated to get dt/dl=pi/rut lg .I'm stuck there.
mabasamunashe wrote:thus the exact formular now the problem ask to find a %change in the period T given the %change in L length to be 2%.Help me solve the problem.


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Preceptorship in Orthodontics
The Division of Orthodontics at the University of California, San Francisco offers a 3 month Preceptorship program in the specialty of Orthodontics to overseas-qualified dentists. The program is offered through the Continuing Education Program within the School of Dentistry at the University of California, San Francisco.
The goal of the preceptorship is to provide educational experiences in the discipline of orthodontics to trained professionals in the dental field. The program is designed to provide the preceptor with an improved understanding of orthodontics and dento facial orthopedics and an opportunity to improve his/her knowledge in one or more areas of clinical practice, teaching or research. The UCSF Educational Support Services will complete the necessary paper work for enrollment. The orthodontic director(s) will determine the optimal time for the visit and provide faculty resources and courses.
The program offers full participation in the didactic program and clinical observation in a modern orthodontic clinic working with our highly qualified faculty. In addition, there will be opportunities for limited research experience.
All preceptors are expected to conduct a limited research project during their tenure. Upon completion of the program, the preceptor will recieve a "Completion of Preceptorship Certificate" as documentation of their participation in the program.
International preceptors who require visa sponsorship will be supported on the J-1 Student-Non Degree visa. For information on the J-1 Student Non-Degree visa, please visit the UCSF International Student and Scholars Office website at https://isso.ucsf.edu/node/386 or send an e-mail to firstname.lastname@example.com.
In order to qualify for this opportunity, the candidate must have completed dental school from an accredited University in their home country, and have at least two-years of either private practice experience or been on the faculty at a university program.
The applicant must submit documentation to verify their dental education and also provide at least two letters of recommendation from faculty in the dental school from which they graduated. A TOEFL test is required to ensure proficiency in the English language.
There is a one-time, non-refundable application fee of $250 USD. You may pay by credit card (MC, VISA, AMEX) or by check - please make checks payable to UC REGENTS. If accepted, the fee for the three month program is $15,000. The preceptors are responsible for their own living, housing, health insurance and visa expenses related to the program.


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"The work of Catholic Answers was instrumental in bringing me back to the Church. With the help of God's grace, I was then able to help bring my wife back too. Keep up the good work!"
"There is one jewel for my poor soul, in a life which desires not sin; it is the beads... Suitable are these for a gift; bits of the tree of Him Who redeemed us."


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Sleeveless Dotted High-Low Shell Top
Style: 570115927
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Flowing silky layers drape across this cut-in shoulder top with modern polka dotted print in classic black and white contrasts. Ruffles fall from the neckline over a peak-a-boo keyhole and modest high-low hem.
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- 100% polyester. Machine wash, cold. Imported.
- Regular: Approximately 27" at front and 29.5" at back.
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Read more… Read less…


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My Top 10 White Sox Moments of the Decade
White Sox communications guru Scott Reifert has asked Sox fans, through Twitter, to weigh in on their Top 10 moments of the decade. Here are my my picks. I really had no other choice but to list seven of the 10 from the 2005 postseason.
10. Dewayne Wise's spectacular catch to save Mark Buehrle's perfect game in July of
9. Buehrle's perfect game.
8. Jim Thome's home run and John Danks' gem against the Twins in Game 163
to help the Sox clinch the 2008 A.L. Central crown.
7. El Duque Hernandez retired the side with the bases loaded and no outs in the
sixth and pitched three scoreless innings in all in the deciding game of the '05
American League Division Series.
6. Joe Crede's two-out ninth inning double to left field in Game 2 of the '05 American
League Championship Series that scored Pablo Ozuna to give the Sox a 2-1
victory to tie the Series at one. It capped off a miracle inning that started with
A.J. Pierzynski's now-legendary sprint to first base on a dropped third
5. Paul Konerko's thrilling grand slam in Game 2 of the '05 Series to put the Sox
ahead 6-4.
4. Scott Podsednik's unimaginable game-winning homer off of Brad Lidge in the
ninth inning of Game 2 to put the Sox up 2-0 in the '05 Series.
3. Geoff Blum's line drive homer in the 14th inning of the longest Series game ever
played broke a 5-5 tie. The Sox scored another and took a commanding 3-0 game
lead in the '05 Series.
2. Jermaine Dye, the eventual '05 Series MVP, singled up the middle to score Willie
Harris with the lone run in Game 4 of the Fall Classic.
1. Orlando Palmiero swings…past Jenks…Uribe has it…throws to Konerko…
Out, Out, the White Sox win the World Series!!
What do you think? How do your lists compare?
4 Comments
I root for the other Sox but that truly was a great moment when the ChiSox won for the first time since 1919. I love Ozzie Guillen so I was cheering along with you.
Congrats on being the featured blog.
Hey, congrats on being the featured blog of the week! Keep up the good work. Are you going to make it to any Sox games this season?
I love these best of the decade things. It makes me sort of nostalgic yet excited for the next season! I still can't believe its almost 2010. That's crazy. Great blog!
The walk off home run by Joe Crede in late September 2005 vs the Indians that kept distance between the Sox and the Indians when it seemed like the Indians won EVERY day in September was the biggest home run (regular season) in Sox history.


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Home List of Titles A pilot study of the microbiological quality of culturally diverse, ready-to-eat foods from selected retail establishments in Melbourne, Australia
Please use this identifier to cite or link to this item: http://hdl.handle.net/1959.3/85997
- Title
- A pilot study of the microbiological quality of culturally diverse, ready-to-eat foods from selected retail establishments in Melbourne, Australia
- Author(s)
- McLean, Sarah K.; Dunn, Louise A.; Palombo, Enzo A.
- Abstract
- In recent years, there has been an increasing number of foodborne outbreaks linked to the consumption of culturally diverse foods. This appears to be because of the increasing quantity of culturally diverse foods available and a preference to store these foods, some of which are considered potentially hazardous, at ambient temperature. This practice may contravene temperature requirements defined by the Food Standards Code. A lack of understanding of the hazardous nature of some culturally prepared foods also poses difficulties in applying the Australian food safety legislation by regulators. This pilot study examined the normal microbiota of four culturally diverse foods: nem chua, che dau trang, kueh talam, and banh tet nhan man, which are traditionally stored and consumed at ambient temperature. Challenge testing was conducted to investigate the ability of these foods to support the growth of foodborne bacterial pathogens. Two of the products (kueh talam and che dau) were found to be microbiologically unsatisfactory because of the high standard plate counts. Challenge testing indicated that kueh talam, che dau, and banh tet nhan man were able to support the growth of Bacillus cereus, Escherichia coli, Staphylococcus aureus, and Salmonella (1-2 log increases over 6 hours at 25 degrees C), suggesting that these foods may require temperature control during storage. However, nem chua was unable to support the growth of test bacteria, probably because of its acidic nature (pH 4.5), suggesting that ambient storage of this food may be safe. This study provided some preliminary evidence to support the need for further sampling and challenge testing of these products.
- Publication type
- Journal article
- Source
- Foodborne Pathogens and Disease, Vol. 7, no. 5 (Jul 2010), pp. 585-588
- Publication year
- 2010
- FOR Code(s)
- 06 Biological Sciences; 09 Engineering; 11 Medical and Health Sciences
- Keyword(s)
- Cultural diversity; Food safety; Foodborne illnesses; Melbourne; Microbiological quality; Ready-to-eat foods
- Publisher
- Mary Ann Liebert
- 1535-3141
- Publisher URL
- Copyright
- Copyright © 2010 Mary Ann Liebert, Inc.
- Peer reviewed


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Farm bill extension stirs mixed reactionAP FILE PHOTO
Holsteins are shown at the Simpson dairy farm in Braintree. Congress recently approved the extension of the current farm bill until September.
While many wanted a new five-year farm bill to emerge from the fiscal cliff negotiations, a debate is on as to whether the extension of the current farm bill until September that was included in the deal is a good thing.
Annie Cheatham has little doubt about where she stands. Shes the executive director of the New England Farmers Union, a lobbying group, and she called the extension a disaster for farmers in the region.
Under the extension, funding for programs is no longer guaranteed, and how to deal with the fluctuating milk market is an issue.
Cheathams main concern is that the new five-year farm bill approved by the Senate and the House Agriculture Committee was not included as part of the fiscal cliff deal and essentially was killed.
She said she was disappointed that nine months of hard work done on a bipartisan level was ignored and a new bill will have to be created. She blamed Senate Minority Leader Mitch McConnell, R-Ky., and Vice President Joe Biden for not including the proposed farm bill in their fiscal cliff agreement.
Don Stewart, communications director for McConnell, wrote in an email that both sides agreed on an extension because there was no consensus on the new farm bill.
When asked why the bill wasnt included since the Senate had already passed it, Stewart wrote: There were a lot of things that COULD have been put into the bill. That doesnt mean the bill would have passed with those things in it. Rather than let the programs expire, Republicans and Democrats, Congress and the White House, agreed to do an extension.
Bidens office did not respond to a request for comment.
Cheatham said the upshot of the extension is that local agricultural programs that previously could count on guaranteed funding will now have to plan on discretionary funding, meaning the money is no longer guaranteed. Those programs include one that provides grants to improve farmers markets and the Rural Energy for America program, which offers incentives for farmers to install new systems and make improvements to their operations to reduce energy use.
As part of the extension, the Milk Income Loss Contract Program will be continued. The program, which pays farmers for income lost to lower milk prices, had ended in September, when the previous farm bill expired.
Sen. Patrick Leahy said he was able, as a member of the Senates senior leadership, to put that program back in place for Vermonts farmers. He said the program will be retroactive to October so anyone who may have been eligible for the money during the three-month lapse in the program will receive it.
While Leahy said his office has been flooded with calls from Vermont farmers saying, Thank you for protecting us, he is disappointed the new farm legislation passed by the Senate did not become law.
He said the leadership in the House refused to even bring the five-year farm bill to the floor for debate, even though the legislation would have saved $23 billion in federal spending.
As for the prospect of reduced discretionary funding at the local level, Leahy said that as senior member of the Senate Appropriations Committee, if theres money to be had for Vermont farmers, hell get it.
Leahy said the next step is to try to recreate the farm bill under the new fiscal rules and get it passed. He still expects to face opposition in the Republican-controlled House.
When you have the tea party in the House they dont care what they do to agriculture or anything else its going to be more difficult, he said.
Clark Hinsdale is president of the Vermont Farm Bureau, a nonprofit trade association of agricultural producers. He called Cheathams characterization of the extension as a disaster ridiculous.
Hinsdale said that while he is also disappointed the new farm bill was not approved, he is happy to have any programs at all. That might not be the case, he said, had Congress left the extension out of the negotiations, or if it had simply let the country go over the cliff.
No matter how disappointed we may be ... the fact of the matter is we still have a functioning set of agricultural programs here in the Northeast, he said.
He said the extension is a kind of placeholder so work on a new farm bill can start back up.
Hinsdale was also happy the extension will run only until Aug. 31, because it will force Congress to get the new farm bill enacted and fund some of the programs it would create.
One of the programs, the Dairy Security Act, would replace the MILC program. Hinsdale said the MILC program pays farmers only for their losses due to falling milk prices. The new program instead would address the problem causing the falling prices: surplus milk.
Hinsdale said farmers who sign up for the new program will be compensated just as before, but they will also agree to cut back production of milk if there is a surplus, theoretically bringing the price back up.MORE IN Central VermontMIDDLEBURY According to WebMD, Dystonia is a movement disorder that causes a persons muscles ... Full StoryTiffany Briggs and Kayla Jackson eyed each other across the table, clasped hands, and then it was... Full StoryMARLBORO Police are investigating a burglary on Higley Hill Road. Full Story
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Active gardening begins in spring and ends in autumn. But the indoor gardener reaps rewards year round! Each month this calendar brings you striking, closeup photos of the endearingly familiar and dramatically exotic indoor plants that bring flower power into our homes.
Be sure to pick up enough copies for yourself and for holiday gifts. You'll see a variety of beautiful blossoms that will bring flower power to your home – even if you don't have a green thumb!


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Rice with Black Beans
My Plate Certified Recipe
6 Servings
(about 1 cup soup and 1/3 cup cooked rice each)
Prep time: 10 min.
Total time: 25 min.
2 tbsp. GOYA® Extra Virgin Olive Oil
1 tsp. GOYA® Ground Cumin
1 tsp. GOYA® Minced Garlic
1 tsp. GOYA® Oregano Leaf
1 packet Sazón GOYA® Natural and Complete
2 tbsp. GOYA® Golden Cooking Wine
2 cans (15.5 oz. each) GOYA® Low-Sodium Black Beans, undrained
2 GOYA® Bay Leaves
1 tsp. brown sugar
1 tsp. GOYA® White Distilled Vinegar
&frac; tsp. GOYA® Adobo Light All-Purpose Seasoning with Pepper
1 cup CANILLA® Extra Long Grain Rice, cooked according to package
Finely chopped white onions
Fresh cilantro leaves
|Heat oil in medium saucepan over medium heat. Add cumin, garlic, oregano and Sazon Natural and Complete to pot. Cook until fragrant, about 30 seconds. Add wine; bring to a boil. Add 1 cup water, beans, bay leaves, brown sugar and vinegar to pot; bring bean mixture to a boil. Reduce to medium-low and simmer, uncovered, stirring occasionally, until mixture thickens and flavors come together, about 15 minutes.
|Season beans with Adobo Light; discard bay leaf.
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Pasted in this message is a press release announcing protective football practice equipment, already adopted in Colorado and Georgia, now available in Texas and already put to use by at least one high school. As you know, concussions are a threat to football players of all ages, not just professionals. The damage can start at a very young age without the coaches, players or parents even knowing the symptoms, and as we've now discovered, the effects can last for years. This equipment has been designed, developed, and tested to reduce the potential of football-related concussions by up to 1/3. It is meant to be used during practice where an estimated 90 percent of concussions occur. I hope you will review the information and that you find it interesting, and timely. Please let me know if you have any questions. Thank you.
Here is additional coverage that was done in another state: http://kdvr.com/2012/04/23/guardian-protects-kids-from-concussions/ Media Contact: Karen Johnson firstname.lastname@example.com 512-632-9636 Guardian Caps Announces Soft Shell Helmet Cover - Impact Reduction Technology - for Football Now Available in Texas Testing at three independent labs confirms impact reduction of up to 33 percent; no reported concussions on field testing of 600 middle-and high school children Austin – June 7, 2012 – POC Ventures, maker of Guardian Caps, announces that the Guardian is now available for sale in Texas and throughout the nation.
With the majority of sports headlines featuring concussions and concerns coming from big names in the league, the Georgia company decided to be proactive and use its material science background to design an impact reducing soft shell football helmet cover. Sweeny High School, near Houston, is one of the first in Texas to order this progressive football safety technology designed to reduce the repetitive impact that occurs in everyday football practice. According to the Center for Disease Control, 90 percent of football concussions occur in practice. "It is my belief that our ultimate job as educators is to protect our kids with every resource at our disposal and if the Guardian can help us do that while they are playing football for our youth leagues, our middle schools, and Sweeny High School, then we are going to utilize it," says Brett Sawyer, Athletic Director and Head Football Coach at Sweeny High School, TX.
The Guardian was tested at Penn State and Wayne State Universities, as well as the Oregon Ballistics Lab. These tests demonstrate that the Guardian can reduce the head injury criteria and severity index up to as much as one-third. Field testing was conducted during the 2011 fall season with 600 players participating. Says football coach Gordon Powers of Model High School in Rome, Georgia, "Not only did we not have any concussions with our players wearing the Guardian in practice, we didn't have to sit anyone out [on suspicion of any type of head injury]." Coach Powers was speaking to the "When in Doubt, Sit Them Out" rule as established by the University Interscholastic League.
In Texas, a concussion oversight team must observe and be able to identify possible signs of a concussion, and remove the affected player from play, even if they are unable to positively identify that a concussion has occurred. The player cannot return to practice or competition until evaluated and cleared according to UIL guidelines. Recent news reports, such as the suicide of football standout Junior Seau and the announcement of Clemson fullback Chad Diehl that he is stepping away from football after suffering a concussion in rookie minicamp just a few months after a January concussion, have catapulted the significance of repeated head trauma into the public arena. It is an awareness that is welcomed to some who have a love for the game, but want available technology to be utilized by every player.
"Texas loves football, and every coach, parent and fan should embrace a technology that can make it safer for our players," says Mike Feeley, who oversees Guardian Cap sales in South and Central Texas. "When many people are questioning whether their kids should even play youth football because of the number of hits they take to the head, the Guardian could alleviate some of that concern."
The Guardian is a one-size-fits-all helmet cover made of a soft urethane material that is easily attached to the outside of any football helmet. It is waterproof, has a low coefficient of friction, is lightweight (1/3 of a pound), and protects the helmet from wear and tear in practice. The helmet covers were scientifically designed by material scientists who analyzed all available materials for the best energy dissipation from impact blows.
The caps are priced to be affordable for all players at $69.95 per cap, with discounts available for team and league orders. To learn about the Guardian, go to www.guardiancaps.com, and contact the Texas representative, Mike Feeley, at 512-917-4923 or email@example.com.


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As Election Nears, Ohio Gets More Attention
By Scott Horsley • Oct 10, 2012
Originally published on October 10, 2012 6:48 am
With the presidential race tightening, both candidates are eying the same prize: Ohio. President Obama and Republican rival Mitt Romney both campaigned there Tuesday. It was Obama's second visit to Ohio in five days.


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Ronald K. Baker Sr.April 20,2013Ronald K. Baker Sr.
SPRINGFIELD Ronald K. Baker Sr., 78, died Wednesday, April 17, 2013, at the Springfield Hospital.
He was born Nov. 13, 1934, in Danby, the son of Kenneth and Esther (Harrington) Baker. He attended schools in Springfield, and graduated from Springfield High School.
He served in the Vermont National Guard for many years.
On April 19, 1952, he married Marion Lilley in Salem, N.Y. She predeceased him in 2012.
He was employed as a maintenance supervisor at Idlenot Dairy in North Springfield for more than 25 years. Following his retirement from Idlenot, he worked for many years with the Springfield Housing Authority, working until just recently.
He was a member of the North Springfield Baptist Church.
He enjoyed woodworking.
Survivors include two sons, Ronald K. Baker Jr. of Bethel and Bruce Baker of Bellows Falls; a daughter, Karen Beardsley of Springfield; a sister, Carol Koledo of Springfield; eight grandchildren, six great-grandchildren and several aunts, nieces, nephews and cousins.
He was predeceased by a son Kim Baker, and by a sister Berniece Robinson Fettinger.
A memorial service will be held Saturday, May 11, 2013, at 11 a.m. at the North Springfield Baptist Church. The Rev. George Keeler, pastor, will officiate.
Burial will follow in the Pine Grove Cemetery in North Springfield.
Memorial contributions may be made to the Springfield Family Center, 365 Summer St., Springfield, VT 05156.
Arrangements are under the direction of the Davis Memorial Chapel in Springfield.MORE IN ObituariesCharles T. Baker
Charles T. Full StoryMarguerite Hoose
Marguerite Alice Peggy Hoose, 90, of Rutland, Vermont, died December ... Full StoryLouise S. Full Story
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WOODSTOCK – David Shinabarger is a 2009 graduate of Woodstock High School studying abroad in Guatemala for a second semester in the Latin American Country.
He sent the following email to the Northwest Herald.
• • •
"This fall semester I will be returning to Guatemala, the land of eternal spring! I spent the Fall 2011 semester in Antigua, Guatemala, and thanks to the Gilman Scholarship, I have the opportunity to return. I am very excited to continue learning Spanish, examining the culture, and experiencing Guatemala.
Under Spring Arbor University's Guatemala Semester Abroad program I will be living with a host family, where I will eat authentic Guatemalan food, speak Spanish, and drink delicious Guatemalan coffee.
I will be taking four-hour a day, five days a week of one-on-one Spanish lessons at La Union Spanish School for six weeks. After this, I hope to volunteer with a micro-financing organization. In addition, a professor from SAU who lives in Guatemala will teach me in sociological research and statistic classes, as well as a class called Faith, Spirituality, and Justice.
Guatemala is a beautiful nation full of volcanoes, coffee, and a strong Mayan culture. Approximately half of the population in Guatemala speaks an indigenous language as their first language, meaning Guatemala has one of the strongest indigenous populations in the world.
Antigua, the city I will be staying in, literally means Antique. Antigua was the old capital of Guatemala, and first capital of all of Latin America. It held the first printing press in all of the Americas, and contains cobblestone streets, and colorful people, houses, and culture.
Sitting at 5,000 feet above sea level they call it the land of eternal spring because the daily high temperatures are typically between 60-80 degrees.
This trip would be impossible without the Gilman Scholarship. The Gilman Scholarship is a federal scholarship available to any college student interested in studying a language abroad. For more information on this scholarship visit www.gilmanapplication.iie.org."
David Shinabarger is Global Studies Senior at Spring Arbor University in Spring Arbor Michigan and a 2009 Woodstock High School Graduate from Woodstock, Illinois. Follow his blog at www.dshinabarger.wordpress.com.


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Meeting new dogs: What's the best approach?
As an experienced assistance dog handler, you may consider yourself to be a total "dog person," but that doesn't mean you should assume it's OK to approach every unknown dog. For me and Whistle, getting up close and personal isn't always the best approach.
When I am out alone with Whistle and an unknown dog approaches us, it always makes me somewhat leery until I can discern whether the unknown dog is friendly or unfriendly.
Experts at Cornell University's College of Veterinary Medicine give guidelines on various situations and say that in many cases, it's best to not approach unknown dogs at all.
- Is the dog tethered with no person with them?
An unattended dog on a leash or tether might be more aggressive than usual. Even a wagging tail is not a surefire sign of a happy dog. It can also mean the dog is excited or aggressive. If the dog is in "his territory," such as their yard, it could be an even worse situation, with the dog feeling trapped and that he needs to defend his territory.
- Is the dog leashed with their owner?
Always ask permission before approaching any dog, no matter how friendly they might appear. Once you have permission, invite the dog to approach you rather than vice versa. Don't pet the dog on top of his head but offer a closed hand for him to sniff. Use a soft voice.
- Is the dog unleashed with their owner?
Whether you're in a dog park or out on the street where the owner just isn't following the leash law, it is not safe to initiate an interaction with the dog. In this scenario a dog might feel like it needs to protect the owner.
- Is the dog unleashed with no owner nearby?
Avoid contact with dogs in this situation. You really can't always read the dog's body language. If the dog approaches you and appears aggressive, you should stand still and avoid eye contact.
When I got my first assistance dog, I was trained to use my wheelchair as a buffer between an unknown dog and my service dog. And, in an extreme case, I was taught how to use my wheelchair to protect myself and my dog. Fortunately, I have only had to use this tactic once or twice during my life with a service dog partner. But, I can tell you that the aggressive dog did not like having a 200 pound wheelchair roll over his paw and it was a great diversion to give me and my dog some time to get out of that situation.
In one extreme case, my husband, Franz, had to intervene when a unknown dog came running out of a florist shop to attack Ramona when she and I were entering an outside elevator in Washington, D.C. Franz had to get aggressive with the dog in order to get him to stop the attack. It was a scary experience and it definitely had a negative impact on Ramona's psyche. After that incident, she became more sensitive to unknown dogs.
Have you had any issues with unknown dogs? And, if so, what tactic worked for you and your assistance dog?


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Kids behind bars: Where rates are highest
Published On: Mar 16 2012 08:11:26 AM PDT Updated On: Mar 19 2012 01:32:05 PM PDT
The Supreme Court is considering the constitutionality of sentencing minors to life without parole. Check out the states with the most juveniles in prison.
The views expressed are not those of this company or its affiliated companies. By posting your comments you agree to our Terms of Use.


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Home > Cookstr Recipes > Lemon, Lime and Peppermint Sorbet
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On this day: August 15
Published On: Aug 12 2012 11:13:29 PM CDT Updated On: Aug 15 2016 01:00:00 AM CDT
The Panama Canal opens for business, "The Wizard of Oz" comes to Hollywood, World War II comes to an end, and "3 days of peace & music" starts up in Bethel, N.Y., all on this day.
The views expressed are not those of this company or its affiliated companies. Please note by clicking on "Post" you acknowledge that you have read the Terms Of Service and the comment you are posting is in compliance with such terms.


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Do you think D'Antoni is the 2nd comming of Jesus Christ? This team is not that talented for the NBA level. It does not matter who is the coach, this roster is still full of flaws and needs to be gutted.
Give D'Antoni and Walsh time before you want to pull the rug out. The best thing about D'antoni is the NBA star's like him and would love to play for him in New York.


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Authorities are investigating a complaint by two young girls in eastern Iowa that a couple tried to abduct them.
The Linn County Sheriff's Office says they received a complaint Tuesday that a man and woman attempted to lure a 10-year-old and 12-year-old into a dark blue Mazda sedan in Fairfax. The car had rust on the rear passenger side.
The girls told authorities the woman was driving the vehicle. They say she has shoulder length grey hair that was curly at the ends. The girls say the man appeared to have a thin built, short grey hair and a pointed goatee. At the time he was wearing a tan coat and plaid shirt.
Authorities say the incident appears to be isolated.


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by Anton Shilov
A hacker has discovered a special debugging mechanism within central processing units (CPUs) made by Advanced Micro Devices. The mode potentially allows to learn more about how exactly AMD's chips work, reverse engineer them and make further discoveries regarding their capabilities. It should be understood that that present all the assumptions regarding the mode are just theories.
According to a discovery made by hackes who names himself Czerno AMD processors (Athlon XP and better) have included firmware-based debugging features that expand greatly over standard, architecturally defined capabilities of x86. For some reason though, the manufacturer has been tightly secretive about these features; hint of their existence was gained by glancing at the list of undocumented machine specific registers (MSRs).
There are at least four new machine specific registers (MSR) that are involved in the expanded debug facilities. All those MSRs are "password" protected against casual access : read/write access (RDMSR/WRMSR) to the registers is granted only if EDI holds the correct password value (9C5A203A), otherwise, a GPF exception occurs. All these registers default/reset values are zero.
Potentially, those registers may do something with built-in self test of microprocessors. They may also be required to properly implement processor's microcode during development. Considering the fact that nobody knows what exactly has been found, consequences of the discovery are hard to imagine.


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Found Archival Footage
The interns have been working overtime.
And lately, they think I've been too soft on my lugubrious and oft embarrassed colleague, Mr. Allen Krause.
No more, dear readers!
So here is some archival footage of Mr. Krause and I, as youths, playing little league baseball. He's on the mound. I'm at the plate.
And I don't like the look he's giving me…
Take that, brother.
Also, the Tigers suck.
Hate me 'cuz I don't pull punches, just don't hate me 'cuz I'm right.
5 Comments
We all knew you had the talent physically Jeff.
Guess Alan should have thrown you a backdoor slider or maybe just hit you in the thigh.
Awesome footage and shows the budding baseball fanatic we all have grown to….tolerate.
Just kidding,. Maybe Alan will toss a few to you again and we can see you take a round triper with Alan cursing into his mitt.
Rays Renegade
I don't know, looks like this could be the work of some pretty skillful editing. And is that the sounds of two ball strikes I hear? Are we seriously supposed to believe that this was the work of a lone baseball?
I cry conspiracy😉
I got popped in the leg with a shot like that when I was pitching. Hopped around a bit, chased the ball, then crumpled to the ground. Hadda be hilarious to watch.
RR — Dude, I've gone about 2 years without saying anything, but I can't stay quiet anymore, his name is "Allen", not "Alan". Just sayin'… I mean, I hit him in the face, yeah, but I spell his name right😉
Blithe — Editing? I don't know no stinking editor! LOL
Prince — I think it's always funny when people get hurt… wait, did I just say that? I take that back.
Jane — Yeah, Al was okay. Just a bit…. slow. That's all.


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Diversity and cross-cultural issues in Albania
|Diversity and cross-cultural issues in [[{{#explode:Diversity and cross-cultural issues in Albania| |5}} {{#explode:Diversity and cross-cultural issues in Albania| |6}} {{#explode:Diversity and cross-cultural issues in Albania| |7}}]]
|In fulfilling the Peace Corps' mandate to share the face of America with their host countries, Peace Corps is making special efforts to see that all of America's richness is reflected in the Volunteer corps. More Americans of color are serving in today's Peace Corps than at any time in recent years. Differences in race, ethnic background, age, religion, and sexual orientation are expected and welcomed among our Volunteers. Part of the Peace Corps' mission is to help dispel any notion that Americans are all of one origin or race and to establish that each of us is as thoroughly American as the other despite our many differences.
|See also:
In fulfilling the Peace Corps' mandate to share the face of America with our host countries, we are making special efforts to see that all of America's richness is reflected in the Peace Corps. More Americans of color are serving in today's Peace Corps than at any time in recent years. Differences in race, ethnic background, age, religion, and sexual orientation are expected and welcomed among Volunteers. Part of the Peace Corps' mission is to help dispel any notion that Americans are all of one origin or race and to establish that each of us is as thoroughly American as the other despite our many differences.
Our diversity helps us accomplish that goal. In other ways, however, it poses challenges. In Albania, as in other Peace Corps host countries, Volunteers' behavior, lifestyle, background, and beliefs are judged in a cultural context very different from their own. Certain personal perspectives or characteristics commonly accepted in the United States may be quite uncommon, unacceptable, or even repressed in Albania.
Outside of Albania's capital and a few larger regional towns, residents of smaller towns and rural communities have had relatively little direct exposure to other cultures, races, religions, and lifestyles. What people view as typical American behavior or norms may be a misconception, such as the belief that all Americans are rich and have blond hair and blue eyes. Albanians are justly known for their generous hospitality to foreigners; however, members of the community where you live may display a range of reactions to cultural differences that you present.
To ease the transition and adapt to life in Albania, you may need to make some temporary, yet fundamental compromises in how you present yourself as an American and as an individual. For example, female trainees and Volunteers will not be able to exercise the independence available to them in the United States; political discussions need to be handled with great care; and some of your personal beliefs may best remain undisclosed. You will need to develop techniques and personal strategies for coping with these and other limitations. The Peace Corps staff members will lead diversity and sensitivity discussions during pre-service training and will be on call to provide support, but the challenge ultimately will be your own.
- 1 Overview of Diversity in Albania
- 2 What Might a Volunteer Face?
- 2.1 Possible Issues for Female Volunteers
- 2.2 Possible Issues for Volunteers of Color
- 2.3 Possible Issues for Senior Volunteers
- 2.4 Possible Issues for Gay, Lesbian, or Bisexual Volunteers
- 2.5 Possible Religious Issues for Volunteers
- 2.6 Possible Issues for Volunteers With Disabilities
- 2.7 Possible Issues for Married Volunteers
Overview of Diversity in Albania
Peace Corps staff in Albania recognizes that adjustment issues come with diversity and will endeavor to provide support and guidance. During pre-service training, we will offer several sessions to discuss diversity and coping mechanisms for dealing with unwanted attention. We look forward to having male and female Volunteers from a variety of races, ethnic groups, ages, religions, and sexual orientations, and hope that you will become part of a diverse group of Americans who take pride in supporting one another and demonstrating the richness of American culture.
What Might a Volunteer Face?
Possible Issues for Female Volunteers
Gender stereotypes are much more evident and accepted in Albania than in the United States. By tradition, women are expected to cook and to look after the needs of their husbands and children even if they work outside the home.
Albanian women lead much more restrictive lives than American women do. Women do not go out alone at night, and jogging or walking alone for exercise is uncommon. Outside of downtown Tirana and in the larger city centers, women almost never smoke or drink alcohol in public. Young women are sometimes verbally harassed by groups of men in the streets, and looking foreign or walking alone on the street will heighten the likelihood that harassment will occur. Your adjustment to Albanian customs will be difficult and frustrating at times, but you must modify your behavior to avoid compromising yourself and your host family.
Possible Issues for Volunteers of Color
There are very few people of color in Albania, and many Albanians have never met anyone of color. Some older Albanians may have met Chinese technicians and workers in the 1960s and 1970s, when Albania was aligned with China. They may have unpleasant memories from that period. Although there are currently foreigners from a variety of countries and races in Tirana, there are very few people of color in the smaller towns and rural communities. Many Albanians will not know what to make of a person of color who calls herself/himself an American. If you are of African, Hispanic, or Asian descent, you will probably be the only such person in your community and might be the only such person within the group of Volunteers in Albania. There may be no role models for you among the Peace Corps staff.
You may encounter varying degrees of harassment in your day-to-day life because of ignorance, stereotyped cultural perceptions, or Albania's historical involvement with certain countries. You may be evaluated as less professionally competent than a white Volunteer. You may be stared at, pointed to, and commented on. You may hear comments that would be considered completely inappropriate in the United States. Children and teenage boys can be particularly insensitive and hurl comments or even rocks. In those situations, your greatest support will be your host family and local counterparts—people with whom you have established strong relationships—who consider you a friend. They will introduce you to others in the community and intervene with children and others who may bother you. You will have to learn to live with a constant level of attention that you've never had to face before. It can be very difficult.
Possible Issues for Senior Volunteers
Respect comes with age in Albania. Younger Volunteers may have to work harder than their older colleagues to be accepted as professionals. There are situations that senior Volunteers will find challenging, however. Younger counterparts at your assigned organization may feel that the Peace Corps let them down by not assigning them a younger and presumably more energetic, eager Volunteer. It may take some time for them to see that age has nothing to do with energy or eagerness. Older people in Albania generally are less active than older people in the United States, and your Albanian friends may assume that you would rather stay home than socialize. You may also feel isolated within the Peace Corps community because the majority of other Volunteers are likely to be in their 20s.
Possible Issues for Gay, Lesbian, or Bisexual Volunteers
On whole, Albanian society is homophobic, but some are open to the idea of different sexual orientations. This perspective is mostly divided between generations. The older generations are more closed to differences in general. The younger generations have a growing interest in LGBT issues and ideas. Since March of 2009, there has been and active and ever growing LGBT community, mostly located within Tirana. The LGBT community is fighting for a freer, more open Albanian society and a place within the population at large. There are currently two active LGBT NGO's working in Tirana. The LGBT community is welcoming of foreigners and especially of Peace Corps Volunteers.
Possible Religious Issues for Volunteers
Albanians' religion generally varies by location. Some areas of the country have more Muslims, some have more Albanian Orthodox people, and some have more Roman Catholics. Though Albania is sometimes characterized as 70 percent Muslim, this refers more to heritage than to religious beliefs and practices. Most Albanians identify with one of the three religions because of family history, but tend to be non-practicing members. All religions are fairly well tolerated in Albania, and practicing your religion is not likely to be an issue. The Peace Corps forbids Volunteers from proselytizing or participating in other religious activities that could impair their effectiveness as Volunteers.
Possible Issues for Volunteers With Disabilities
As a disabled Volunteer in Albania, you will face a special set of challenges. People with disabilities are often kept out of public view in Albania, and there is very little infrastructure to accommodate those with disabilities. There are no ramps in public places, and roads and sidewalks are uneven or otherwise in poor condition. Traffic throughout the country is chaotic. Nevertheless, the Peace Corps Office of Medical Services determined that you were physically and emotionally capable of performing a full tour of Volunteer service in Albania without unreasonable risk to yourself or interruption of your service. Peace Corps/Albania will work with disabled Volunteers to make reasonable accommodations in training, housing, and job sites to enable them to serve safely and effectively.
Possible Issues for Married Volunteers
Married couples in different sectors may be required to live separately during their pre-service training. If you do live separately, it will be a matter of logistical necessity based on the design of the training program. It is not intended to unfairly burden married couples. Reasonable efforts will be made to accommodate proximity and visitation concerns. All married couples will live together following pre-service training, when they move to their permanent sites as Volunteers.
Married couples may face challenges stemming from traditional Albanian gender roles. A married female Volunteer may find herself the object of gossip among older Albanian women, who may wonder whether she is taking proper care of her husband, can cook and preserve enough vegetables for the winter, or spends too much time with other men. While the wife may be expected to do all the domestic chores, the husband may be expected to assume an overtly dominant role in the household. In addition, the independence exercised by each member of an American couple may be perceived as immoral behavior. Still, married couples are serving effectively in Albania without having to make unreasonable compromises.


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Please consider sharing your stories and photos with other mothers for publication in our magazine, New Beginnings.
Email your contributions or ideas to firstname.lastname@example.com
All submissions will be acknowledged and are subject to editing.
If you have ever read another mother's breastfeeding experiences and benefitted by doing so please consider sharing your own!
Thanks in anticipation,


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ya your grandpa does like to hang out there quit a bit
He's still hanging there....
ya your grandpa does like to hang out there quit a bit
having abs because you are skinny is like a women having tits because she's fat
time to trim that tree...
I'll get there or Die trying...
i confirm
it's me
Shake the tree hard enough you never know what will fall out. I hate to break it to you but the truth is if you go back far enough you yourself come from a nigger !! Time to stop being ignorant and understand we all bleed red. If you hate "niggers" so much blame the United States for creating them, because blacks dont act like the in the R.O.W.
wow. much racist. so prejudice.
Cumming day and night.
I bet you that you might be surprised with the racial mix in your family.
PrunaGrow.com, the only Myostatin inhibiting geriatric Follistatin peptides that I trust 100%!!!
NOW 10% OFF ON ALL YOUR SUPPLIES!!! Promo Code: Oldfartrep#1
I wish I was Jewish
I have Scots- Irish, Greek, Fnish, and Native American in mine. Lol I had no chance to avoid being a functional alcoholic.
Sent from my DROID RAZR HD using Tapatalk
im your daddy
your mother calls me mandingo
Azzas family tree only has 1 side, benefits of having brothers and sisters marry and u save on xmas/bday gifts.......downside is u can defib worth a damn and that fatigue is a real IFBB career ending situation.....
jk lolz
Nothing is so common as the wish to be remarkable.... ~ Shakespeare
Just cut the rope, then bury or cremate him. But, make sure you take out his family if possible so they don't come back and try to get in your other family trees of your house. make sure you don't have any watermelons growing in the garden, or anything else that might lead to another infestation. It's hard to believe that it's no longer cruelty to animals, but an actual homicide.


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My (almost) 9 month old has been eating solids since about Christmas. I've been giving him whole foods, not pureed jared foods. He eats asparagus, kiwi, carrots, sweet potatoes, apples, green beans, avacado, apples, pears, cold cubed oatmeal, and more, I just can't think of anything else at the moment. This past week he's had a total of about half a banana. He had a high fever and was so uncomfortable with this last tooth that broke through about a week ago that I broke down and gave him some Tylenol.
He's never been an everyday pooper, about twice a week is all. But this last BM he's had SUCH hard stools. We've been taking him to the toilet when he starts showing signs he's about to poo, and he'll go there. Well, last night he was stiffening up and screaming and we could tell he had to poo. So hubby took him to the toilet and well, one got stuck. Poor baby. I gloved up and helped him out. It was sooo hard, poor little guy. He's still struggling today. Gets stiff and really hollers. So far nothing's come out today, but it's not for his lack of trying.
I'm guessing maybe the banana caused him to be constipated? What else might cause it and what can I do at this point to help him out with his current BM that's needing to come out?
Oh, and he drinks nothing other than breastmilk.
Thank you!!!


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(From left to right) Director of the Hispanic Theological Initiative at Princeton Theological Seminary Dr. Joanne Rodriguez, ACF Region II Regional Administrator Joyce Thomas and ACF Special Assistant Laura Irizarry show off Spanish translated materials at the symposium.
On Feb. 25, Administration for Children and Families officials rolled out the Spanish-language ACF Program Directory and Community & Faith-Based Guide to Resources at an all-day symposium with Hispanic community leaders in New Jersey.
More than 50 leaders attended the event hosted by Health and Human Services and ACF Region 2, along with the New Jersey Department of Health and Human Services and Department of Children and Families, in collaboration with the Hispanic Theological Initiative.
"It was a great meeting of committed and engaged Hispanic stakeholders who are looking forward to working closely with state and federal agencies to improve the quality of life in the Hispanic community," said Laura Irizarry, Special Assistant to the ACF Assistant Secretary, who presented at the symposium held at Erdman Center in Princeton University.
For the past year, Irizarry worked with ACF staff to identify key ACF program materials to translate into Spanish, Chinese, Vietnamese and Korean. The first installment of translated materials is being made available to the public this week. Currently, these materials are available online in PDF format:


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Iowan charged with shooting hunting dogs
Published On: Apr 01 2013 09:56:42 AM CDT
A southeast Iowa man has been charged with animal cruelty, accused of shooting two dogs that had been chasing a raccoon on his rural property.
The Hawk Eye reports that 51-year-old William Totemeier surrendered at the Des Moines County Jail on Friday and has already posted bond for his release.
He told officers the dogs had been chasing his cattle when he shot them the previous weekend. The hunters say the dogs were nowhere near any cattle when they were shot.
Totemeier's attorney, Steven Ort, says Totemeier regretted taking the actions he did to protect his livestock.
Copyright 2013 by The Associated Press. All Rights Reserved. This material may not be published, broadcast, rewritten or redistributed.


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|July 19, 2016
|Estate Planning Checklist For Wills
|no comments
|December 18, 2013
|Know Your Rights: Can My Spouse Disinherit Me
|no comments
Estate planning is an intimidating task that some people prefer to avoid. Except Everybody needs to prepare for estate planning sooner rather than later. To help get the ball rolling, here is a checklist that can help take care of you and your family through a will, power of attorney, living will, and more.
Retirement planning in Queens, NYC is challenging as most people are uncomfortable thinking about death. Though taking control of matters and knowing just what will happen will provide a comforting feeling like no other. It'll actually remove stress rather than cause it.
The Question:
Can my spouse disinherit me? Can I disinherit my spouse? I have been disinherited, do I have any rights? As a New York estate attorney, I frequently hear these and other related questions. Whether it is planning your estate or dealing with the probate process after the death of a spouse, it is important to know New York's spousal right of election rules in order to protect your rights and advance your interests.
The Law:
In New York, even if a spouse is left nothing under a will, they are entitled to receive the following automatically as per EPTL 5-3.1:
Money or cash equivalents up to $25,000. This includes cash, checking, savings, and money market accounts, as well as CDs.
One automobile with a value up to $25,000.
Household items up to $20,000 including furniture, appliances, jewelry, and clothing of the decedent
Books, computers, discs, software, family pictures up to 2,500.
Domestic and farm animals and farm machinery up to $20,000 (we don't see this often in New York City).
In addition to the aforementioned property, a surviving spouse can choose to exercise their "spousal right of election" under EPTL 5-1.1A which entitles them to receive the greater of $50,000 or 1/3 of the decedent's net estate. The net estate consists not only of probate assets (property which is capable of passing by a will), but also of "testamentary substitutes". Testamentary substitutes include jointly owned property, assets in living trusts, payable on death accounts (also known as Totten Trusts or "in trust for" accounts), pension funds, and even gifts the decedent made one year prior to death. By having such a broad definition of the "net estate", New York seeks to prevent a spouse for completely disinheriting the other by keeping his money in assets which avoid probate. The surviving spouse has the right of election regardless of whether the decedent left a last will and testament or not. Consequently, even if there was no will, the surviving spouse could elect against the net estate if that would entitle them to a larger share.
The Procedure:
If the surviving spouse did not receive the greater of $50,000 or 1/3 of the net estate, the statute gives them six months from the issuance of letters testamentary or letters of administration, but no later than 2 years after death, to claim their right of election, although there are exceptions to the rule which are outside the scope of this article. The spouse must mail a notice of election to executor or administrator and file and record the original along with proof of service in the Surrogate's Court. If the will has not been admitted to probate, notice should be sent to the nominated executor.
The spouse has a right to examine necessary parties to determine the nature, location, and size of the net estate. Ultimately, the judge makes the decision as to what the spouse is entitled based on the evidence submitted to the court. The judge has the power to require beneficiaries to give back their portion to satisfy the spouse's elective share, regardless of whether assets are probate or non-probate. If the decedent had joint accounts which passed automatically to the other owners, or even if the decedent left accounts with beneficiaries who already received their inheritance, the court can ask those beneficiaries to turn over a portion of their share to the surviving spouse.
You may be reading this and wondering if there is any way to exclude a current or intended spouse from claiming their right of election; I frequently get this question from clients. The law provides an exception if a surviving spouse "abandoned" the decedent or failed to support him financially when she had a duty to do so, and the abandonment lasted until death. Abandonment is a tricky thing to prove, but courts have typically defined it as the spouse leaving without consent, without justification, and without intent to return. The easier, and more common approach, is for the couple to waive the rights in a prenuptial (before marriage) or postnuptial (after marriage) agreement. Both spouses should have separate attorneys review the agreements prior to signing them. Failure to do so may allow a court to disregard the agreement because it wasn't properly understood by the spouse. Just because a couple may have waived their rights in a prenup or postnup does not mean that they can't designate each other as beneficiaries in the will; it just means that the surviving spouse can not take anything other than what was intentionally left for them.
As with all complex legal situations, an attorney should be consulted in order to properly achieve your objectives, whether they be to successfully recover your spousal right of election, defend the estate against it, or plan to avoid it.
Roman Aminov, Esq. is an estate lawyer concentrating in estate planning, elder law, and probate. He is also a Medicaid attorney experienced in the drafting of trusts, wills, powers of attorney, and health care proxies. For a free consultation, contact us at: Law Offices of Roman Aminov 147-17 Union Turnpike, Flushing, NY 11367 (347)766-2685 http://www.aminovlaw.com
Written by: Roman Aminov on 12/18/2013
attorney advertising


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I have a 3 1/2 week old little boy and he not only grunts after a feeding, but when he is lightly sleeping. I am glad to know that I am not the only one - I was constantly worried that there was something very wrong. I could not sleep because of this.
My doc said partly due to the larynx not quite developed as well. I suppose we just have to wait to grow out of this. I did not realize that so many babies were noisy sleepers - it was quite shocking to me.
Hopefully soon I will learn to not worry quite so much and just wait it out.


text:
Seems like good news, if anything. Takes away a prime competitor to swoop in on a Melo trade.
Plus, trading for Richardson would have taken us out of being able to get Melo by trade or signage, assuming we didn't just trade him to be a rental.
This is a sick trade for ORL, though. And apparently they are getting Arenas for Rashard.
I don't think Chandler would be good, either, in any event. He's overpaid and will want starter money even if he accepted a role as not being a starter for us. We either need a C who fits the teams style like a glove and can move and has offensive skills (Gasol), or we need a guy who will be a role, albeit key role playing big man, who will be coming off the bench while Amare still logs minutes being a 5 (Gortat, not that he's an option, or just a guy like Glen Davis who isn't a C, per say, but we wouldn't be going for a traditional 5, so much as a bruiser of a big man who can be good off the bench and situationally and won't command starting C dollars)


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Deep in New Hampshire's White Mountains, Appalachian Mountain Club staff members rely on our warmest parka to keep them dry and comfortable – even on the coldest winter days.Play
Hi. I'm Taylor, with the Appalachian Mountain Club. The Baxter State Parka is the perfect jacket for being up here (at Carter Notch Hut on Wildcat Mountain in New Hampshire). I really don't want to have to put on a hundred different layers to be able to go outside. It's really nice to be able to just have this one thing that I know I can wear and be comfortable in pretty much any weather.
This hut is definitely a little bit different than your average household. There's no heating up here. We have a woodstove that we fire up at night to get it warm while people are having dinner and whatnot. But beyond that, we have no electricity, no running water. So every morning, we go down to the lake with our five-gallon buckets and fill up water from there and bring it back in to the hut.
There are things that I have to do on a daily basis, several times a day, so it's nice to be able to be really comfortable out there. And it really keeps your whole core warm. By doing that, it allows your body to spend energy on heating your hands and your legs and everything. And it's really just the one layer that you need – you don't need anything else.
This would be the perfect thing to have around the house, just right next to your front door, to be able to grab, going outside to shovel the driveway, to go chop your wood. I guess the difference about having this at home would be running water. It's a little more comfortable. And... a nice hot shower.


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Naruto and Sakura defeat Kakashi in the survival challenge. Tsunade assigns them to a three-man squad led by Kakashi, who tells them they are now his equals.Auto-update my anime list NO Discuss this episode
The Akatsuki Makes Its Move
The Results of Training
The Jinchuriki of the Sand
The Kazekage Stands Tall
Mission Cleared
Run, Kankuro
Team Kakashi, Deployed
The Jinchuriki's Tears
Sealing Jutsu: Nine Phantom Dragons
The Medical Ninja's Student
The Retired Granny's Determination
A Meeting With Destiny
Naruto's Growth
The Secret Weapon is Called….
The Secret of Jinchuriki
The Death of Gaara!
Charge Tactic! Button Hook Entry!!
Traps Activate! Team Guy's Enemy
Hiruko vs. Two Kunoichi!
Sasori's Real Face
Chiyo's Secret Skills
Father and Mother
The Third Kazekage
Three Minutes Between Life and Death
Puppet Fight: 10 vs. 100!
Impossible Dream
Beasts: Alive Again!
Kakashi Enlightened!
Aesthetics of an Instant
The Legacy
Return of the Kazekage
The New Target
Formation! New Team Kakashi
An Unnecessary Addition
The Fake Smile
The Tenchi Bridge
Nine-Tails Unleashed
The Top-Secret Mission Begins
Orochimaru vs. Jinchuuriki
Sakura's Tears
The Secret of the Battle!
The Consequences of Betrayal
The Unfinished Page
Infiltration: The Den of the Snake!
Something Important…
The Picture Book's Story
The Power of the Uchiha
Robbed of Sleep
A New Enemy
Vicissitudes of Life
The Two Kings
The Jet-Black Signal Fire
Lockdown of Darkness
Revived Souls
Everyone's Struggle to the Death
Moment of Awakening
My Friend
The Quietly Approaching Threat
Akatsuki's Invasion
Under the Starry Sky
The Old Monk's Prayer
The Next Step
Climbing Silver
The Judgment
Unfulfilled Scream
Last Words
Sad News
Team Ten
Target: Locked On
Kakuzu's Abilities
Terrifying Secret
Shikamaru's Genius
When You Curse Someone, You Dig Your Own Grave
Wind Style: Rasen Shuriken!
The Price of Power
A Shinobi's Determination
Orochimaru's Hideout Discovered
Connecting Hearts
A Night of Rain
The Two Charms
The Unseeing Enemy
The Labyrinth of Distorted Reflection
The Target Appears
The Rampaging Tailed Beast
Inside the Mist
Everyone's Feelings
The Four-Corner Sealing Barrier
Breaking the Crystal Style
Battle over the Barrier
Red Camellia
Strange Bedfellows
Guidepost of the Camellia
Counterattack of the Curse Mark
Memory of Guilt
Shattered Promise
A Place to Return to
The Serpent's Pupil
Eye of the Hawk
Zabuza's Blade
Guardian of the Iron Wall
Jugo of the Northern Hideout
Kakashi Chronicles - A Boy's Life on the Battlefield - Part 1
Kakashi Chronicles - A Boy's Life on the Battlefield - Part 2
The Hunt
Tales of a Gutsy Ninja – Jiraiya Ninja Scrolls – Part 1
Tales of a Gutsy Ninja – Jiraiya Ninja Scrolls – Part 2
Infiltrate! The Village Hidden in the Rain
The Man Who Became God
Honored Sage Mode!
In Attendance, the Six Paths of Pain
The Tale of Jiraiya the Gallant
Banquet Invitation
The Longest Moment...
The Light & Dark of the Mangekyo Sharingan
The End
The Mystery of Tobi
Battle of Unraikyo
The Eight-Tails vs. Sasuke
Successor of the Forbidden Jutsu
The Successor's Wish
Rogue Ninja's Past
Heir to Darkness
The Forbidden Jutsu Released
Master and Student
Somber News
Following the Master's Shadow
The First Challenge
Surpassing the Master
Assault on the Leaf Village!
Power to Believe
Pain vs Kakashi
Mystery of Pain
Surname is Sarutobi! Given Name, Konohamaru!
Pain to the World
Explosion! Sage Mode
Danger! Sage Mode Limit Reached
Nine Tails, Captured!
Planetary Devastation
Fourth Hokage
The Two Students
Big Adventure! The Quest for the Fourth Hokage's Legacy – Part 1
Big Adventure! The Quest for the Fourth Hokage's Legacy – Part 2
Origin of Pain
Tale of Naruto Uzumaki
Hero of the Hidden Leaf
Rookie Instructor Iruka
Iruka's Ordeal
Iruka's Decision
Kakashi Hatake, the Jonin in Charge
Inari's Courage Put to the Test
Naruto's School of Revenge
Gaara's Bond
Naruto: Outbreak
Deploy! Team Tenten
Animal District
Ah, the Medicine of Youth
Gutsy Master and Student: The Training
Record of the Gutsy Ninja Master and Student
Sasuke's Paw Encyclopedia
Naruto and the Old Soldier
Kakashi Love Song
Neji Chronicles
The Man Who Died Twice
The Worst Three-Legged Race
Team 10's Teamwork
Drive Towards Darkness
The Sixth Hokage Danzo
Five Kage Summit's Eve
Enter the Five Kage!
Naruto's Plea
Painful Decision
Racing Lightning
Sasuke's Ninja Way
Power of the Five Kage
Declaration of War
Sakura's Feelings
The Tailed Beast vs. The Tailless Tailed Beast
As One's Friend
Danzo's Right Arm
The Forbidden Visual Jutsu
Danzo Shimura
Sakura's Resolve
Lost Bonds
The Burden
Two Fates
High-Level Shinobi
The Infiltrator
The Five Great Nations Mobilize
Kakashi Hatake, the Hokage
Prophecy of the Great Lord Elder
The Five Kage's Decision
The Young Man and the Sea
The Ninja of Benisu
The Cursed Ghost Ship
Battleship Island
The Forgotten Island
Fight! Rock Lee!
Eat or Die! Mushrooms from Hell
Revenge of the Shadow Clones
The Closed Route
The Girls Get-Together
Naruto's Imposter
Naruto's Favorite Student
The Kunoichi of Nadeshiko Village
Friends You Can Count On
Ah, My Hero Lady Tsunade!
Sai's Day Off
The Legendary Ino-Shika-Cho Trio
Kiba's Determination
Kakashi, My Eternal Rival!
Naruto's Vow
Land Ahoy! Is This the Island of Paradise?
Killer Bee and Motoi
The Next Challenge! Naruto vs. Nine Tails!!
The Orange Spark
Target: Nine Tails
The Fourth Hokage's Death Match
Thank You
Battle in Paradise! The Odd Beast vs. The Monster!
The Man Named Kisame
The Angelic Herald of Death
The Bridge to Peace
The Super Secret S-Rank Mission
The Artist Returns
Assemble! Allied Shinobi Forces!
For My Friend
War Begins!
Sai and Shin
Secrets of the Reanimation Jutsu
An Old Nemesis Returns
The First and Last Opponent
The Brilliant Military Advisor of the Hidden Leaf
Forbidden Words
Golden Bonds
Mifune vs. Hanzo
True Kindness
The Complete Ino-Shika-Cho Formation!
A Message from the Heart
Attack of the Gedo Statue
Unison Sign
Medic Ninja in Danger
White Zetsu's Trap
Aesthetics of an Artist
The Allied Mom Force!
The Secret Origin of the Ultimate Tag Team!
Two Suns
Helmet Splitter: Jinin Akebino!
User of the Scorch Style: Pakura of the Sand!
Things You Can't Get Back
One Worth Betting On
Danger: Jinpachi and Kushimaru!
Lightning Blade: Ameyuri Ringo!
Power - Episode 1
Power - Episode 2
Power - Episode 3
Power - Episode 4
Power - Episode 5
Power - Episode Final
Naruto Enters the Battle
A Father's Hope, A Mother's Love
Contact! Naruto vs. Itachi
The Acknowledged One
The Mizukage, The Giant Clam, and The Mirage
Terror! The Steam Imp
Ghosts from the Past
The Underworld Transfer Jutsu
The Vengeful
The Heart's Eye
Fade into the Moonlight
Crescent Moon Night
The A-Rank Mission: Food Fight!
The Fallen Castle
Prologue of Road to Ninja
The Old Master and the Dragon's Eye
Rain Followed by Snow, with Some Lightning
The Sad Sun Shower
Lingering Snow
The Reanimated Allied Forces
Shino vs. Torune
A Hole in the Heart: The Other Jinchuriki
The Soul Living Inside the Puppet
Run, Omoi!
Reinforcements Arrive
Madara Uchiha
The Five Kage Assemble
The Unbreakable Mask and the Shattered Bubble
Jinchuriki vs. Jinchuriki!
Four Tails, the King of Sage Monkeys
Nine Tails
Two-Man Team
Promise of Victory
Eyes That See in the Dark
The Will of Stone
The Risks of the Reanimation Jutsu
Sibling Tag Team
To Each Their Own Leaf
Kabuto Yakushi
The Izanami Activated
Izanagi and Izanami
I Will Love You Always
Reanimation Jutsu, Release!
Orochimaru's Return
Secret of the Transportation Technique
Who Are you?
Obito and Madara
I'm In Hell
World of Dreams
Creeping Shadow
The New Akatsuki
Kakashi: Shadow of the ANBU Black Ops – A Mask That Hides the Heart
Kakashi: Shadow of the ANBU Black Ops – Minato's Death
Kakashi: Shadow of the ANBU Black Ops – Hashirama's Cells
Kakashi: Shadow of the ANBU Black Ops – The Rogue Ninja Orochimaru
Kakashi: Shadow of the ANBU Black Ops – Orochimaru's Test Subjects
Kakashi: Shadow of the ANBU Black Ops – Their Own Paths
Kakashi: Shadow of the ANBU Black Ops – The Targeted Sharingan
Kakashi: Shadow of the ANBU Black Ops – A Shinobi of the Leaf
Kakashi: Shadow of the ANBU Black Ops – An Uchiha ANBU
Kakashi: Shadow of the ANBU Black Ops – Coup d'État
Kakashi: Shadow of the ANBU Black Ops – The Night of the Tragedy
Kakashi: Shadow of the ANBU Black Ops – Jonin Leader
Kakashi: Shadow of the ANBU Black Ops – Squad 7
Kakashi's Resolve
The Allied Shinobi Forces Jutsu
The Ties That Bind
Those Who Dance in the Shadows
The All-Knowing
Hashirama and Madara
Era of Warring States
My True Dream
Sasuke's Answer
Something To Fill the Hole
Team 7, Assemble!
The New Three-Way Deadlock
Kakashi vs. Obito
The Directive to Take the Nine Tails
Naruto vs. Mecha Naruto
The Ten Tails' Jinchuriki
An Opening
The Day Naruto Was Born
The Divine Tree
A Shinobi's Dream
Pursuing Hope
A Heart Filled with Comrades
Obito Uchiha
I'm Always Watching
The Promise That Was Kept
My First Friend
The Adored Elder Sister
Hanabi's Decision
Madara Uchiha Rises
The Hidden Heart
A True Ending
The New Chunin Exams
The Chunin Exams Begin!
The Three Questions
One Worthy as a Leader
The Night Before the Second Exam
Demon Desert Survival
As a Taijutsu User
The Ultimate
Escape vs. Pursuit
Unwavering Gutsiness
Tenten's Troubles
The Imprisoned Pair
The Place Where I Belong
The Yamanaka Clan: Secret Ninjutsu
The Cursed Puppet
Their Backs
The Hidden Plot Set Into Motion
The Targeted Tailed Beast
Neji's Judgment
Hopes Entrusted to the Future
On the Brink of Death
The Two Mangekyo
The Formation of Team Minato
You'll Be My Backup
The Blue Beast vs Six Paths Madara
Papa's Youth
The Eight Inner Gates Formation
The Sage of the Six Paths
The One Who Will Inherit
Naruto's Rival
To Rise Up
The Infinite Dream
The Infinite Tsukuyomi
To the Dream World
Where Tenten Belongs
Killer Bee Rappuden: Part 1
Killer Bee Rappuden: Part 2
To See That Smile, Just One More Time
The Loser Ninja
The Search Mission
Team Jiraiya
Order of Priority
The Masked Man
The Sealed Power
The Rules or a Comrade
The Child of Prophecy
The Caged Bird
Returning Home
The Mutual Path
The Difference in Power
Leaving the Village
Another Moon
The Shinobi Unite
Itachi's Story - Light and Darkness: Birth and Death
Itachi's Story - Light and Darkness: The Genius
Itachi's Story - Light and Darkness: The Pain of Living
Itachi's Story - Light and Darkness: Shisui's Request
Itachi's Story - Light and Darkness: Moonlit Night
Itachi's Story - Light and Darkness: The Darkness of the Akatsuki
Itachi's Story - Light and Darkness: Partner
Itachi's Story - Light and Darkness: Truth
She Of The Beginning
Kaguya Otsutsuki
Hagoromo and Hamura
A Fabricated Past
The No. 1 Most Unpredictable Ninja
Ninshu: The Ninja Creed
Ashura and Indra
The Tumultuous Journey
Ashura's Decision
The Successor
A Special Mission
Connecting Thoughts
The Two of Them...Always
You Better…
The Sharingan Revived
The Final Valley
The Final Battle
Naruto and Sasuke
The Unison Sign
Naruto Uzumaki!!
Naruto and Hinata
Sasuke and Sakura
Gaara and Shikamaru
Jiraiya and Kakashi
Naruto Shippuden, Sasuke's Story: Sunrise, Part 1: The Exploding Human
Naruto Shippuden, Sasuke's Story: Sunrise, Part 2: Coliseum


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Embellished Pleat Neck Top
Style: 570113150
Out of Stock
Snake chain weaves through the pleats of this solid, sophisticated tee.
- Slightly contoured stretch fit.
- Cap sleeves.
- Fully lined.
- 95% rayon, 5% spandex. Hand wash. Imported.
- Hits at mid-hip (25.5" from shoulder).
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10. According to the Centers for Disease Control, Cat scratch disease is a bacterial disease caused by Bartonella henselae. Most people with CSD have been bitten or scratched by a cat and developed a mild infection at the point of injury. Lymph nodes, especially those around the head, neck, and upper limbs, become swollen. Additionally, a person with CSD may experience fever, headache, fatigue, and a poor appetite. Rare complications of B. henselae infection are bacillary angiomatosis and Parinaud's oculolandular syndrome.
Most people get CSD from cat bites and scratches. Kittens are more likely to be infected and to pass the bacterium to people. About 40% of cats carry B. henselae at some time in their lives. Cats that carry B. henselae do not show any signs of illness; therefore, you cannot tell which cats can spread the disease to you.
9. Barmah Forest virus is a mosquito-borne alphavirus, found only in Australia, which causes outbreaks of polyarthritis in humans. The disease is very similar to epidemic polyarthritis caused by infection with Ross River virus, another Australian alphavirus.
The CDC says the most common clinical features include polyarthritis, arthralgia, myalgia, fever, rash, and lethargy; in some cases, symptoms may persist for more than 6 months.
8. According to the CDC, Orf virus (genus Parapoxvirus, family Poxviridae) is endemic to most countries. The virus primarily causes contagious ecthyma in wild and domestic ruminants, mostly sheep and goats.
Human infections caused by occupational and household exposures have been described; they most commonly cause lesions on the hands.
7. Brucellosis is an infectious disease caused by bacteria. The CDC says people can get the disease when they are in contact with infected animals or animal products contaminated with the bacteria.
Animals that are most commonly infected include sheep, cattle, goats, pigs, and dogs, among others.
6. Cryptosporidium is a microscopic parasite that causes the diarrheal disease cryptosporidiosis. The CDC says both the parasite and the disease are commonly known as "Crypto." There are many species of Cryptosporidium that infect humans and animals. The parasite is protected by an outer shell that allows it to survive outside the body for long periods of time and makes it very tolerant to chlorine disinfection.
While this parasite can be spread in several different ways, water (drinking water and recreational water) is the most common method of transmission. Cryptosporidium is one of the most frequent causes of waterborne disease among humans in the United States.
5. Toxocariasis is the parasitic disease caused by the larvae of two species of Toxocara roundworms: Toxocara canis from dogs and, less commonly, Toxocara cati from cats.
Toxocariasis is considered one of the Neglected Parasitic Infections, a group of five parasitic diseases that have been targeted by CDC for public health action.
4. Rabies is a preventable viral disease of mammals most often transmitted through the bite of a rabid animal. The vast majority of rabies cases reported to the Centers for Disease Control and Prevention each year occur in wild animals like raccoons, skunks, bats, and foxes.
The rabies virus infects the central nervous system, ultimately causing disease in the brain and death.
3. Tularemia is a disease of animals and humans caused by the bacterium Francisella tularensis. The CDC reports, rabbits, hares, and rodents are especially susceptible and often die in large numbers during outbreaks. Symptoms vary depending upon the route of infection. Although tularemia can be life-threatening, most infections can be treated successfully with antibiotics.
In the United States, naturally occurring infections have been reported from all states except Hawaii.
2. Leishmaniasis is a parasitic disease that is found in parts of the tropics, subtropics, and southern Europe. It is classified as a Neglected Tropical Disease (NTD). Leishmaniasis is caused by infection with Leishmania parasites, which are spread by the bite of phlebotomine sand flies.
There are several different forms of leishmaniasis in people. The most common forms are cutaneous leishmaniasis, which causes skin sores, and visceral leishmaniasis, which affects several internal organs (usually spleen, liver, and bone marrow.
1. There are several different forms of leishmaniasis in people. The most common forms are cutaneous leishmaniasis, which causes skin sores, and visceral leishmaniasis, which affects several internal organs (usually spleen, liver, and bone marrow.
Humans are often very susceptible to the disease, and very few organisms may be required to cause infection.
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"Enough, gentlemen, my last word is this: the guillotine seems set up for good. Take me there. An oath against my conscience you will never get from me."
~ Sister Eugenie, Saint, of the Daughters of Wisdom; to the Revolutionary Committee of La Rochelle, during the murderous Reign of Terror in France.


text: Has anyone done any research about soya formula milk? I have found out alot of striking info on cows milk. I have now decided to give my baby soya milk instead of breast milk once i stop breastfeeding. I am from the UK and the professionals are aganist this and say i should give her soya only if she has a serious cows millk allergy. Any views, info sharing?