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Town Square
Didn't like robo call from Dave Miller
Original post made by Ptownlife Voter, Bridle Creek, on Apr 22, 2013
We got a Independent, Republican and Democrat at our place
Did anyone else get ths kinda call??? Who's pay'n his bills for this kinda stuff??!
a resident of Another Pleasanton neighborhood
on Apr 22, 2013 at 11:19 pm
Well, of course....Pleasanton is just a stepping stone for Miller to gain cred to run for higher 'partisan' office. He's using the people of Pleasanton. Karun has spent 2 decades doing the hard work on committees, boards, Planning Commission, and Parks & Rec Commission. Narum is all about all the people of Pleasanton.
a resident of Another Pleasanton neighborhood
on Apr 23, 2013 at 12:50 am
I got one too. Sounded like a normal politician's call. I guess he's supported by people who agree with his views. Many of which are very sensible. Obviously the unions are supporting other candidates and they have plenty of money too.
a resident of Another Pleasanton neighborhood
on Apr 23, 2013 at 7:50 am
Aren't "robo" calls supposed to state who paid for the robo call? I remember hearing that information in prior elections. Does anyone know if that is a requirement? Miller's robo call did not include that. I was annoyed with a late robo call last night.
a resident of Another Pleasanton neighborhood
on Apr 23, 2013 at 8:31 am
It's rather comical when the tables are turned on the local political machine. Last week it was campaign signs, now it's robocalls and who's paying for them.
I didn't hear any complaints about the clown who stands on the corner of Valley and Hopyard before elections, looking like a SWAT team reject waving an American Flag. That's because he was touting Obama and the Democrat slate. Nor, was there an outcry when every corner of that intersection was populated with a representative of Sal's "Silent Majority" during a recent election. (And, I presume we can expect a similar event from Narum supporters within the next week, or so.)
When David Miller's supporters recently tried the same thing at Hopyard and Valley, they were branded as people disrupting traffic, and a hazard. Some disgruntled citizens even phoned the police to complain about the distraction.
I don't like people who disrupt traffic or robocalls, regardless of who they're from -- but I get my share from both sides. I'll live with it. And, I see the front-yards with five signs for Narum ~ and, the yards with multiple signs for Miller. Stop the whining about robocalls and signs -- Just run your campaign.
I happen to think we desparately need some changes in the way we're doing things in Pleasanton ~ I'm certainly not impressed with a candidate's credentials of multiple years of previous "public service" in this town, because I think the way it's been run needs to change.
If David Miller wins, the local machine will certainly be upset ~ and, that just might be a good thing for Pleasanton.
a resident of Foothill Knolls
on Apr 23, 2013 at 12:56 pm
Miller can't do anything without two other votes. He can complain but he can't get anything done without building relationships.
Narum has spent two decades sitting on the fence. Politically she does what is safe. She will continue to do that on the council. I see experience but where is the leadership?
The only choice is Olivia. She is intelligent, thoughtful, willing to take a stand with 21rst century business skills. She volunteers and participates because of the way she was educated. She is a product of this community and example of what we do well. She has no special agenda. She is willing to take a stand and do what is best for the community.
a resident of Another Pleasanton neighborhood
on Apr 23, 2013 at 1:07 pm
Olivia is scripted by Cook-kallio. If you have any doubt just look at the union endorsements for Olivia. Especially the teachers union who don't get involved in city council elections.
a resident of Another Pleasanton neighborhood
on Apr 23, 2013 at 9:49 pm
Ooh those teachers. watch out for them, they might even teach something. What would the teacher's agenda be? Like maybe they want to support someone who thinks schools are important.
a resident of Canyon Oaks
on Apr 25, 2013 at 1:34 pm
Vote No on Miller-
I see one of his goons driving around in a truck, towing a sign with vote 4 miller on it. + the guy gets out every now and then and plants one of those signs on private property. Actions speak louder than signs and a truck. Speak up or step down- This town does not need another clown.
a resident of Another Pleasanton neighborhood
on Apr 25, 2013 at 8:46 pm
We have had people waving on street corners and advertising their candidacy on trucks for a long time (decades).
I appreciate a grassroots type of campaign like this. Better than campaigns funded by special interests (developers, public employee unions, etc.).
a resident of Birdland
on Apr 25, 2013 at 9:36 pm
So, the tea party candidate is not funded by special interests, huh? What a laugh that is.


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I arrived in Madrid on Sunday, Oct. 4 with written instructions that I would be met at the airport. Well, of course, they had simply forgotten to meet me and weren't answering their phone–so I took a cab. Because I was working on Friday, I missed some screenings on Sunday and was unable to serve as a judge this year (last year I judged feature films and we gave the top awards to Kolya, Jude and Lorca).
After being in transit for 13 hours and encountering a 9 hour time difference, I was exhausted and went to bed. That didn't prevent my internal clock–tuned to some western-U.S. circadian rhythm–from awakening me at 2AM. I read much of the night, being held helpless captive of my rebellious biological clock!
The next morning, I discovered my old friend Walter Lassally, BSC at breakfast (Walter has shot 69 movies including Zorba the Greek and Tom Jones–he won the Oscar for Zorba). Walter is championing a universal 1.75 aspect ratio to be a new common film and TV standard and replace everything but "scope." (More about that later.)
I struck up a conversation with German cinematographer, Arthur Ahrweiller at the same breakfast (where the real heavy-duty networking happens) and he told me that about 40% of television in Germany is letterboxed 16×9(!!!). The German government gives a small financial supplement to anyone shooting 16×9 (1.78) to hasten public acceptance of the new format and encourage investment in the new digital television technology. The fact that the German public readily accepted letterboxing delighted me because our US networks are terrified that the public won't accept black bands at the top and bottom of their TV screens.
I found that throughout Europe, television production is routinely framed for 16×9 and letterboxed. In England–fearful of a public reaction to letterboxing–they are adding a little more to the top and bottom of the frame to narrow the black lines and ease into showing 16×9, but the rest of Europe seems to be shooting and displaying 16×9 with no problems. The question is: "If Europeans can easily accept a wider format without the need to shoot & protect, why can't we?"
I lunched with Walter and the distinguished British cinematographer Alex Thompson, BSC who was here to show Kenneth Branaugh's Hamlet. The discussion turned to Brent's Rule, the proposed legislation to limit the entertainment industry's working hours. Britain has a rule that everyone gets $40/hour after 12 hours. The unions used to be able to really control the hours and limit their working day to 8-10 hours, but now producers are trying to buy out unlimited hours and work the crew as long as they wish, just like in the U.S.
I attended Alex Thompson's talk about shooting in 65mm. He shot Hamlet with Panavision 65mm cameras and praised them for their excellent service; but also praised the newer, quieter Arri 765 camera he used on the project for four days. Because 65mm can only be processed in Hollywood, London or Munich, there was a five day delay in getting dailies, and the 35mm reductions used for editing were not sharp–it was almost impossible to tell if the extremely critical focus was on. The lightest 65mm sound camera weighs 93 lbs. so all those fast moving shots that looked like Steadicam were actually shot from an Elemack dolly on an extremely level and smooth floor.
Although most of the guests stay at the Hotel Sueza, most of the Madrid Imagen events are held at the gorgeous, rococo Circulo de Bellas Artes which is a few doors down the street and houses a center for the arts complete with theatres and cafes. This is a beautiful building with a grand, marble double staircase winding upward past six stories of stained glass windows. Some of those levels are themselves three stories high with ornately decorated, gilded internal domes.
Later in the day, as part of a demonstration, I shot a test of the new Kodak 200T stock. Using an 85mm Zeiss lens at T2.1 (wide open), I shot a charming Spanish actress moving from full wide shot to closeup and stopping at six separate marks with six different lighting effects. I then shot the same scene on 5279 (Vision 500) for comparison. I shot the Kodak Gray Card as a timing reference and expect to screen the results tomorrow. I'm also trying to find the Spanish distributor of Money Talks to try to get a print here. Playing hookey the screening of a Spanish film, I returned to my room ready to sleep–finally. Unfortunately, a fully letterboxed, Spanish-dubbed version of Shadowlands was showing on television and I spent about an hour taking in Roger Pratt's beautiful scope compositions before I finally fell asleep.

subset: commoncrawl


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LAUNCH (Leadership Academy and Urban Network for Chicago), Chicago, Ill.
|Chicago Public Schools (CPS), Chicago Principals & Administrators Association, Chicago Public Education Fund, Northwestern University
|Program Initiated
|Admission Requirements
|Master's degree; Illinois Type 75 Administrative Credential; six years teaching experience; previous leadership
|No. of Participants
|(2004) 21
|Participant Demographics
Gender: 76% female
Ethnicity: 44% African American, 28% Hispanic, 28% White
|Length of Instructional Program
|Twelve months that include: 4-week summer institute, 10 full-day professional development classes; 5-day case study project; 2 (fall and spring) retreats; yearlong full-time internship.
|Certification, Credits Earned
|Illinois Administrators Academy recertification hours
Like many large urban school districts, Chicago Public Schools (CPS) faces a shortage of well-qualified principals. But the need for quality leadership is made even more pressing by the district's ambitious improvement plan, Every Child, Every School. "Our goal," says CPS's chief executive officer, is "to make every Chicago public school a school of choice, and by that I mean that it must be a school that families of every income choose to attend, no matter what the obstacles or challenges." A core strategy for achieving that goal is to ensure that an effective principal guides every school.
Begun in 1998, the Leadership Academy and Urban Network for Chicago's aspiring principals--LAUNCH*--is one of five professional development programs created under the aegis of the Chicago Principals and Administrators Association and operating as part of the Chicago Leadership Academies for Supporting Success (CLASS). CLASS seeks to develop leaders who embody the knowledge, skills, attitudes, behaviors, and aspirations needed to pilot Chicago's schools to increased student achievement. Three of the programs provide professional development for principals at a different point on the experience continuum: aspiring, beginning, experienced. The fourth helps principals and other CPS leaders meet legislated requirements for professional development.
LAUNCH is guided by an executive director and a director--both recognized as exemplary principals--who provide direct, hands-on leadership for all program components: marketing, recruiting, selection, program development, curriculum design, follow-through with fellows, and assessment and evaluation. Their vision, shared by CLASS and supported by CPS, is having a highly qualified principal in every Chicago public school ready to lead that school to high achievement by continuously improving teaching and learning so that every child realizes his or her educational potential.
Selection Process
Marketing and recruitment activities seek to draw strong assistant principals, teacher-leaders and other promising individuals who meet the requirements. LAUNCH asks current principals and other administrators to nominate applicants who have demonstrated leadership potential. In addition, during its most recent recruitment campaign, LAUNCH sent 3,200 brochures to attract prospective applicants.
LAUNCH eligibility requirements include a master's degree in education, at least six years of experience as a teacher, an Illinois Type 75 Administrative Certificate in Supervision and Administration, and some prior leadership experience. Beginning in November 2003, the program posted its online application and requirements on the CLASS Web site. Applicants must submit a completed application packet by the date specified for a particular cohort.
A careful screening process by program directors and mentor principals seeks to identify the best possible candidates. The process considers a range of factors: thoroughness of application; coherence of ideas; recommendations for leadership potential; self-awareness; passion for improving student learning; and knowledge of leadership and school improvement and of instructional improvement research and literature. About 30 percent of applicants move forward to the interview process.
LAUNCH staff invite selected candidates to participate in panel interviews with three-person teams of experienced principals, administrators and representatives from the foundation community. Building on the application analyses, these probing interviews focus on candidates' ability to clearly state personal theory of leadership; self-awareness; passion for improving student learning; understanding of how to work through adults to achieve school improvement; knowledge and ability to articulate instructional improvement strategies; and ability to work as an effective team member. Also considered is the coherence and articulateness of candidates' verbal responses.
As a result of the 2004-05 application process, which began in November 2003, 21 candidates were accepted for the program out of an applicant pool of 175.
Program Design and Practical Learning Experiences
LAUNCH fellows participate in a rigorous educational program designed to accelerate, intensify, and deepen the knowledge, skills, and experience of principal candidates. It includes three integrated components: a Summer Leadership Academy, a yearlong internship, and the Urban Network.
The Leadership Academy is a five-week intensive program at the James L. Allen Center of the Kellogg Graduate School of Management on the campus of Northwestern University. Fellows benefit from the expertise of LAUNCH staff, faculty from the Kellogg Center, and nationally recognized researchers, authors, leaders, and educators from across the country and Canada. (The Kellogg Center provides its faculty and conference facilities to LAUNCH at no cost.) Fellows spend their first and last weeks on campus to develop a community of practice that will sustain their collegial interdependence.
The academy curriculum is aligned to seven leadership proficiencies directly related to Chicago's Educational Improvement Plan, Every Child, Every School: school leadership; parent involvement and community partnerships; creating a student-centered learning climate; professional development and human resource management; instructional leadership (improving teaching and learning); school management and daily operations; and interpersonal effectiveness.
Fellows assess themselves on these proficiencies, using a rating system that includes Mastery, Competency, Learning, and No Experience. Based on this self-assessment, they create their own professional growth plan, which is used to guide the apprenticeship experience and to assess progress throughout participation in the program.
After completing the summer academy, LAUNCH fellows begin a semester-long, full-time paid apprenticeship, working with mentor principals recognized throughout CPS as extraordinarily successful leaders. (Mentor principals, selected through an application and screening process, attend the Summer Leadership Academy and Mentor Seminars on coaching and feedback.) During the apprenticeship, funded by the district, each fellow completes both an elementary and a secondary experience.
For each site experience, fellows and mentor principals complete an apprenticeship contract that clearly delineates each person's responsibilities and roles. Fellows work to address proficiencies identified in their self-assessment and they maintain a portfolio that documents the planning and completion of pertinent proficiencies. During the apprenticeship, the group of fellows meets monthly for a full-day seminar with the LAUNCH staff and other members of the summer academy faculty.
Finally, the Urban Network provides ongoing professional development, support, and networking opportunities for LAUNCH fellows. The network is a dynamic and vibrant social structure that sustains fellows' commitment to LAUNCH goals, serving as a source of accurate information, expertise, assistance, and collegial interactions. It brings together fellows across all cohorts to participate in two-day seminar retreats each quarter--two at the Kellogg Center and others in similar conference settings. Fellows also participate in other events, such as issues meetings, career forums, and reunion dinners. The strength and liveliness of the Urban Network distinguishes LAUNCH from other principal preparation programs because it is a continuing source of professional support throughout the careers of its graduates. It also publishes an online newsletter that keeps fellows connected to one another and provides them with information updates, meeting schedules, and a resource directory.
Fellows graduate in June following their year-long apprenticeship, and are then eligible to apply for school leadership positions in Chicago schools. Fellows make a commitment to stay with the Chicago Public Schools for four years following their involvement in LAUNCH.
Success Factors
Over 188 individuals have completed the program, and of those, 65 currently serve as principals, while 64 are assistant principals. Because of the strong connection between LAUNCH and CPS's Every Child, Every School improvement strategy, CPS continues to support the program financially. Since 1999, CPS has invested over $4.8 million in LAUNCH. Other LAUNCH funding partners have included the Chicago Public Education Fund ($545,000 since 2000), the John D. and Catherine T. MacArthur Foundation, and Northwestern University.
LAUNCH aspires to develop transformational leaders capable of turning ineffective schools into successful organizations that work for all students. It has translated the ISLLC standards into its own Principal Competencies, which form the foundation of the program's standards-based curriculum, instruction, and assessment. The five standards and 24 performance indicators represent the goals that successful candidates will achieve. To facilitate candidates' success, LAUNCH provides candidates with a self-assessment tool they are expected to utilize throughout their program experience. To support its use, LAUNCH has created an assessment guide that lays out its five standards and 24 performance indicators in a page-by-page format. Each page includes one of the five standards, its performance indicators, a description of each indicator at the highest performance level, a list of competency-based learning opportunities, and a four-stage rubric that describes developmental stages of competency, from rudimentary to transformative. This document enables candidates to continuously assess their progress, and it also provides a focus for coaching and mentoring. Candidates use this feedback to develop a professional growth plan, and then use that plan as a tool for setting developmental goals. Candidates document their work in a professional portfolio that is assessed by LAUNCH staff members, coaches, mentors and others, using a rubric that is well known to the candidates.
Several external evaluations have reported the progress and outcomes of LAUNCH in relation to its goals. The Chicago Public Education Fund supported several studies by the Consortium of Chicago School Research at the University of Chicago. Early data suggest that LAUNCH principals perform at higher levels of effectiveness than their counterparts, have a deeper understanding of the school district's improvement plan, and are more effective in aligning their school improvements with the district's goals. Anecdotal data from district administrators describe LAUNCH principals as being able to step into the principalship and begin solving problems like a veteran.
The Broad Foundation selected LAUNCH as a showcase program in its benchmarking study. Broad plans to hold a two-day conference to highlight the findings of the study to allow other districts to learn from the knowledge and experiences of Chicago and then, with Broad support, accelerate the use of that knowledge to increase gains in student achievement by increasing the level and quality of school leadership.
One 1999-2000 fellow said she takes pride in being able to identify herself as "a LAUNCH leader" because the program's reputation is that it produces well-trained principals. She stated that the best thing about the program is, "Once you finish, you're not really finished. You always come back. As a principal, I'm always [facing dilemmas] that have no clear answers. If I have a problem or a question, I can call other principals from my cohort and we pool our expertise [to resolve the issue]."
LAUNCH staff and participants cite the following factors as key to the success of the program:
A vision of a new model of school leadership focused on instructional improvement and student learning;
A strongly held core belief that all children can and will learn when the principals of their schools are effective, knowledgeable instructional leaders;
An authentic, research-based, job-embedded curriculum;
Attention to adult learning conditions and personalized professional development plans;
Alignment of the curriculum with state and local leadership standards and performance indicators;
Consistent use of data and feedback to strengthen the program;
Direct and frequent feedback to candidates from faculty, field supervisors, and mentors; and
Tight articulation among standards, curriculum, instruction, and assessment.
* LAUNCH is one of three preparation programs chosen by CPS to ready principals for district schools. The other two are the University of Illinois at Chicago and New Leaders for New Schools, which is also featured in this guide.


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Understanding Long-Term Care Insurance
Basics of health care insurance coverage
En español | For many Americans — in particular the 70 million-strong baby boom generation born between 1946 and 1964 — the phrase "long-term care" (LTC) is achieving new urgency. The oldest of the boomers are now less than a decade away from their 80s, the age at which many will start to need help in performing the activities of daily living (ADL).
What exactly is long-term care? The term comprises a host of services that vary widely. They range from home care and adult day care to residential care in assisted living or nursing home facilities. But long-term care is generally defined as hands-on assistance provided for an extended period of time to people (of any age, though older people are the primary users) who can't take care of themselves due to a prolonged disability, illness or cognitive impairment such as Alzheimer's disease.
You qualify for long-term care when a physician or other health professional certifies that you are unable to independently perform at least two ADLs, such as bathing, dressing and eating.
The cost of care
Unfortunately, long-term care doesn't come cheap: According to Genworth Financial, a private room in a nursing home averaged $92,378 in 2016, and a home health aide averaged $46,332. In expensive areas, those costs can nearly double. To estimate costs in your area, use Genworth's long-term care calculator. And contrary to common belief, Medicare and other forms of health insurance do not pick up the tab, because long-term care is not considered a medical expense. Medicare will only cover skilled nursing care and therapy services following a hospital stay.The upshot: Unless you're confident that you can pay for this care yourself (or you qualify for Medicaid, which occurs only when you've exhausted your resources and meet this government program's other eligibility requirements), you should probably consider purchasing long-term care insurance (LTCI).
To insure or not to insure
But the average consumer faces a dilemma: The cost of this insurance is almost as prohibitive as the cost of care. First comes sticker shock — a typical policy taken out by a Maryland couple in their mid-50s can initially run around $3,100 annually, and premiums can shoot up without warning — followed by the discovery that the LTCI landscape is confusing, unpredictable and unclearly regulated.
Two deterrents in particular — the high cost and the yearly "use it or lose it" nature of the product — have made LTCI unappealing to most Americans. Only about 8 million people have some form of long-term care coverage, according to Limra, an insurance-industry research firm and sales have been declining.
But experts in the field also believe that part of the problem is widespread denial by consumers. If you're a healthy 50-something, it's hard to imagine that one day you'll be frail and unable to care for yourself. Or you may believe that your kids or other family members will step in.
What's more, you balk at the idea of "wasting" money on pricey premiums for something you're pretty sure you'll never use. Why not invest that money and use it for care when and if the need arises? If it doesn't, your kids will inherit a nice nest egg.
These rationales, while understandable, overlook a few realities. First, even if you're lucky enough to have family members willing to care for you, they may not be able to provide the level of care you require — because they lack proximity, sufficient time, technical expertise, or adequate health or strength of their own. Consider this: 7 percent of family caregivers are 75 or older, and the average spousal caregiver is 62.3, according to AARP research.
As for self-insuring, many financial planners do favor this method, in part because they lack faith in LTCI products, but also because they believe that a diversified investment portfolio, compounded over 25 to 30 years, will yield sufficient funds to pay for most of an average person's care.
But you need to ask yourself whether you'll actually invest the money you'd spend on premiums, and whether your returns on your investments will keep pace with health care inflation, which has significantly outpaced general inflation for years. Also, keep in mind that should an earlier-than-anticipated need arise, a LTCI policy takes effect immediately, whereas it takes 30 years to amass 30 years' worth of investment earnings. If you have a financial adviser, have an in-depth discussion with that person about the pros and cons of LTCI.
Finally, this is insurance, a product that routinely involves paying premiums to protect you against a life event — a worst-case scenario — that you fervently hope never occurs. Which brings us to the question of need. Your chances of having either a car accident or a house fire are about 25 percent over your lifetime, yet those odds are unlikely to convince you to drop your auto or homeowners policy.
Now consider that the U.S. Department of Health & Human Services puts the likelihood that the average American turning 65 will need some form of long-term care at 70 percent. In truth, you have probably been wildly underestimating your own risk: The strong probability is that you will need long-term care at some point in your life.
Is a long-term care policy the answer? The conventional wisdom has been that if you have limited income and resources (defined by many experts as having assets, including your home, that total $50,000 or less) or you are very rich, you can forgo this insurance. In the former case, the government — i.e., Medicaid — will pay for your care, and in the latter you'll have sufficient resources to pay for it yourself.
But if you're somewhere in the middle, LTCI is probably the best way to preserve your assets for your heirs, spare them a large portion of the physical and financial burdens of your care, and enhance your chances of getting your personal choices of care met.
Keeping it affordable
As with any expensive purchase, you need to educate yourself before taking the plunge. Most important, you have to be sure you can afford the policy's premiums — not just now, but in the future. Premiums increase over time; while by law companies cannot single you out for an increase (nor can they ever refuse to renew a paid-up policy), they can seek approval from regulators on an annual basis to raise premiums on a class of similar policies in your state. These increases, while seldom as frequent as once a year, are often extremely steep, ranging from single digits to as high as 40 percent or even more. (These huge hikes reflect the insurance industry's flat earnings due to low interest rates and the larger-than-expected number of long-term claims it has been paying since LTCI was introduced approximately three decades ago.) If you can't keep up with the premiums, you could end up forfeiting the policy and losing the benefits you've already paid for. Note: Some states require policies to include a "nonforfeiture option" or "nonforfeiture benefit," which allows you to receive a reduced amount of benefits based on the premiums you've paid. Check with your state's insurance department.
If you do buy a policy, your goal is to maximize your benefits while minimizing your cost. Here are some steps you can take to realize this goal.
1. Buy young(ish)
Premiums are lower if you purchase a policy when you're younger (in your early to mid-50s, most experts advise) and in good health. LTCI policies have strict underwriting requirements and the chances of a disqualifying health event increase with age. True, you will be paying those premiums for a longer period of time, but waiting until you're older or have a serious medical condition will not only mean higher premiums but also the possibility that you could be denied coverage altogether.
2. Know the policy's provisions
Some insurance companies require you to use services from a certified home care agency or a licensed professional; others allow you to hire independent or nonlicensed providers or family members. Companies may place certain qualifications — such as licensure — or restrictions on the facilities or programs you can use. Make sure you buy a policy that covers the types of facilities, programs and services you'll want and that are available in your area. Typically, a comprehensive long-term care policy covers:
- Home care: An agency or individual who performs such services as bathing, grooming and help with housekeeping.
- Assisted living: A residence with apartment-style units that makes personal care and other individualized services, such as meal delivery, available when needed.
- Adult day care: A program outside the home that provides daytime health, social and other support services in a supervised setting for adults in need of help.
- Respite care: Temporary help to relieve family caregivers.
- Stays in a nursing home: A residential facility that provides a full range of skilled health care, rehabilitation, personal care and daily activities in a 24/7 setting.
- Alzheimer's care.
Some policies have a "future service option" that will cover a type of long-term care service that is developed after you purchase the insurance.
Be sure to note your policy's "benefit triggers" — the conditions that must occur for you to qualify for benefits. As mentioned above, the general yardstick for care is when you need help with two or three ADLs, the most common of which are bathing, eating, dressing, walking and remaining continent. Be sure the list of triggers includes bathing; it is often the first task that becomes impossible.
In short, read your policy carefully and be alert to the fine print. All policies have some conditions for which they exclude coverage — drug and alcohol abuse, mental disorders and self-inflicted injuries are standard exclusions — so review these with your agent. Some states still allow companies to require you to have been in a hospital or nursing facility for a specific number of days before qualifying for benefits, though most states have outlawed this exclusion.
Make sure that Alzheimer's and other common illnesses, such as heart disease, diabetes, certain cancers, are not excluded. An insurer also may turn down an applicant due to a preexisting condition. If you have a preexisting condition, the insurer can withhold payment for that condition for a specified period of time after selling you the policy. Do not buy a policy that specifies a period of time you find unreasonable. If you fail to notify a company of a preexisting condition, the company may not pay for care related to that condition.
3. Shop around
Premiums can vary a lot, even for similar coverage, so if you're looking for an individual policy for yourself or for you and your spouse (buying together can reduce premiums), compare information and estimates from at least three carriers. The National Association of Insurance Commissioners website (naic.org) should have a list of companies doing business in your state, and can also verify that your agent or broker is licensed in your state and has additional training in LTCI.
The American Association for Long-Term Care Insurance website (aaltci.org) lists companies with strong credit ratings. You can get info on a company's history with LTCI from Moody's Investors Service, Standard and Poor's and A.M. Best. Also find out how often and by how much the companies have increased their premiums.
Better yet are group policies or individual policies with discounted rates offered by your employer. These are not only less expensive, but they also often do not include underwriting, which means you won't have to meet health requirements. These policies are usually portable if you leave your job. Professional or service organizations may also offer group-rate LTCI policies to their members.
Joint policies — a single policy that covers two related adults, such as husband and wife — are another way to economize because typically, there is a maximum benefit that applies to everyone on the policy. If a couple has a policy with a $150,000 maximum benefit, for instance, and the first partner uses $70,000, the other would have $80,000 left for his or her care. (The risk, of course, is that the first user could deplete the funds that the other might need.)
Be sure to ask your insurance agent whether the LTCI policy you're considering qualifies under your state's partnership program (available in most states), which allows you to keep a specified amount of assets and still qualify for Medicaid. For more information, check out the State Health Insurance Assistance Program website at shipnpr.acl.gov.
4. Be flexible. You can often adjust some of the terms of a LTCI policy or make certain trade-offs to make the premiums more affordable. Here are a few suggestions:
- Limit the terms. A typical LTCI policy offers a term of three or five years and a total-dollar limit that corresponds to the cost of that much care in your area. While, of course, no one knows exactly how long you might need long-term care, realize that the average stay in a nursing home is 2.6 years for women and 2.3 years for men. So unless you have special risk factors (such as a family history of Alzheimer's), there's no point in paying for extra coverage that you won't use.
Or consider splitting the term with a spouse or partner with a flexible joint policy (see above) that allocates two years of care for each of you, plus a floating year that either can use — a strategy that lowers the odds that you'll be paying for insurance that goes unclaimed. Some couples play the odds by buying just one policy for the younger spouse, on the assumption that he (or more likely she) can care for the older spouse. But when it's the younger spouse's turn for long-term care, she, lacking a similar caregiver, will likely have to rely on insurance.
- Choose a longer elimination period. Most traditional policies have an "elimination" or "waiting" period of 90 days before your coverage kicks in, during which you're responsible for 100 percent of your costs. The shorter the elimination period is, the higher the premiums are. Find out if you can extend the elimination period (which a good policy requires you to satisfy only once during the life of the policy rather than with each new instance of care) to, say, 120 or even 180 days. You could reduce your premiums considerably over many years of payments — though your out-of-pocket costs at the time of care could go up by $30,000 or more
- Stretch your coverage with the right policy. Long-term care policies can pay different amounts for different services (such as $50 a day for home care and $150 a day for nursing home care), or they may pay one rate for any service (which, if you're using a less-costly service, could deplete your total benefit amount sooner than it should). "Pooled benefits" allow you to use a total-dollar amount of benefits for different types of services. With this coverage option, you can combine services that meet your particular needs.
- Don't go overboard with coverage. Although the average annual cost for a private room in a nursing home patient in 2016 was $92,378, or about $250 per day (in today's dollars), no rule says you have to buy that much coverage. Just as you can save money by limiting the term of your policy (see above), you can also shave your premiums by buying a smaller amount of daily coverage ($150, for example) and assuming you'll use savings to pick up the difference.
As experts point out, this may be less onerous than you might think since being in long-term care may dramatically reduce your other expenses, including discretionary spending on travel, shopping and entertainment, and will likely subsume most of your medical and meal costs. Besides, no policy is likely to pay all your costs once you're in long-term care; in almost every case you should count on out-of-pocket expenditures.
Incidentally, it's worth pointing out that a LTCI policy essentially buys you a certain dollar amount's worth of benefits. Even if you buy your policy in an expensive state, it can be used in a cheaper one, where those benefits might go farther (though of course, the reverse is also true). Most policies sold in the U.S., however, cannot be used outside the country.
- Do spring for inflation protection. This feature adds to your cost, but it's important because it helps your benefits keep pace with the ever-increasing cost of care over the 20 to 30 years between the time you purchase the policy and the time you claim benefits. Ideally, you'll choose the recommended 5 percent compounded inflation protection. But that's the most expensive option, and you may be able to reduce premiums by choosing a lower percentage of protection (3 or 4 percent, say) and opting for simple rather than compounded growth. But this feature is complex, and you should read more about it before making a decision.
Hybrids and other alternatives
Perhaps the most important development in LTCI over the past several years has been the industry's introduction of hybrid — or "linked-benefit" — products. The chief appeal of these products, which have proved very popular, is that they combine life insurance with long-term care benefits, typically by adding a long-term care rider to a life insurance policy. Whether you use the long-term care benefits or never touch them, your policy will pay out some portion of its death benefit — a welcome antidote to the "use it or lose it" nature of traditional policies. In addition, these policies usually don't require underwriting (meaning you won't be rejected for health reasons), and rates are fixed and not subject to the swift, unexpected hikes that characterize traditional LTCI. There are also tax advantages to choosing certain hybrids, which you should go over with your tax adviser. An annuity, too, can sometimes be combined with a long-term care rider. If you own a traditional life insurance policy or annuity, by law you may be able to exchange it for one of these hybrids. Speak to a knowledgeable adviser before making a decision; there are pros and cons to each product.
Other ways in which a life insurance policy can be leveraged to cover long-term care include purchasing a policy with an accelerated death benefit, or ADB. This is a feature that essentially allows you to get an advance on your death benefit to pay for care while you're alive. There are downsides, though, and these policies may interfere with your ability to qualify for Medicaid. You can also borrow against a life insurance policy to pay for long-term care, or, more conclusively, in a process known as life settlement, sell the policy to a third party and use the proceeds, which are taxable, to pay for long-term care. This option is generally available only to women age 74 or older and men age 70 or older. Finally, there is an option known as a viatical settlement. It is similar to a life settlement — it also involves selling your life insurance policy to pay for care — but this option can be exercised only by the terminally ill and approval can be difficult to obtain. Realize that all these options will reduce or eliminate the benefit that your life insurance policy would otherwise pay upon your death.
Not all financial experts believe that these hybrids and other life insurance options are superior to typical stand-alone LTCI policies. It's important that you consider all the possibilities and make an informed decision based on what you believe is best for you and your family. In nearly every state, you have 30 days to review a signed policy. If you change your mind during this time, you can return the policy for a full refund.
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text:
Missouri State Fair apologizes for Obama-mocking performance
SEDALIA, Mo. - Missouri State Fair officials issued an apology Sunday after a performance in the rodeo Saturday night caused an uproar.
A clown wearing a President Barack Obama mask appeared at a rodeo and the announcer asked spectators if they wanted to see "Obama run down by a bull."
According to a post on the liberal blog Show Me Progress, the announcer asked the crowd if it wanted to see Obama run down by a bull while another clown bobbed the lips on the Obama mask. A bull then charged toward the clown, forcing him to run away while the crowd cheered.
"The performance by one of the rodeo clowns at Saturday's event was inappropriate and disrespectful, and does not reflect the opinions or standards of the Missouri State Fair," said state fair spokeswoman Keri Mergen. "We strive to be a family friendly event and regret that Saturday's rodeo badly missed that mark."
Sunday night, the Missouri Rodeo Cowboy Association issued an apology for the "inappropriate act."
The statement reads:
"The MRCA Board of Directors and over 600 members do not condone nor approve of this sort of activity. The MRCA Board of Directors is dealing with the situation firmly and quickly as this type of behavior will not be tolerated. The Sport of Rodeo is not meant to be a political platform. We are taking measures by training and educating our contract acts to prevent anything like this from ever happening again. All Members of the Missouri Rodeo Cowboy Association are very proud of our Country and our President."
The president of the Missouri Rodeo Cowboy Association says he didn't know that the clown planned the act that critics on both sides of the political aisle have deemed disrespectful to the president.
Mark Ficken is the rodeo association's president and was the rodeo announcer. He is also listed as the superintendent of the Boonville R-1 School District.
His attorney, Albert S. Watkins, said Monday that the clown was acting unscripted and it was the clown, wearing a microphone, who made comments riling up the crowd.
Watkins says Ficken's only comment was to say, "Watch out for that bull Obama!"
Missouri Lt. Gov. Peter Kinder, a Republican, wrote on Twitter that he condemns the disrespectful actions and that he hopes Gov. Jay Nixon will hold someone accountable.
"I condemn the actions disrespectful to [the President of the United States] the other night. We are better than this," Kinder said.
Sen. Claire McCaskill, a Democrat, emailed a statement condemning the performance and calling on someone to be held accountable.
"The State Fair is funded by taxpayer dollars, and is supposed to be a place where we can all bring our families and celebrate the state that we love," McCaskill said. "The young Missourians who witnessed this stunt learned exactly the wrong lesson about political discourse—that somehow it's ever acceptable to, in a public event, disrespect, taunt, and joke about harming the president of our great nation. Missouri is better than this, and I expect someone to be held accountable."
Republican Mo. State Rep. Caleb Rowden, whose district includes parts of Boone and Randolph counties, also took to Twitter to condemn the performance.
"I don't agree with this [President] on many things," Rowden wrote. "But he is deserving of respect and shouldn't be the object of political stunts. Out of line!"


text:
an emo scene boy is a exactly as it sounds. it is often used in terms of when people are acting melodramatic and bitchy.
"i am so pissed that we couldn't get those good seats, i feel like crying and not talking!"
"...stop being an emo scene boy!"
"...stop being an emo scene boy!"
by miss_sixty March 12, 2006


text:
Beyond Unraveled: The Marc Dreier Story
We go behind the scenes on one of the largest financial fraud cases in America.
The twisted story of Manhattan lawyer Marc Dreier is one of fascinating greed, exuberance, and moral contemplation; a story that captures the attitudes of Wall Street immediately before the Lehman Bros. crash, as well as the target of anger felt by the 'one percent' protestors of last year.
Marc Drier, was arrested in late 2008 for financial fraud, In May of 2009, Dreier was charged on eight counts, including money laundering, securities, and wire fraud.
What compels a man to steal hundreds of millions of dollars is simple. To that man, at that time, the amount is trivial; and to him it isn't stealing, it's borrowing with the intent to return it. However, when the line is crossed and the realization that one has borrowed beyond their means, there remains two choices: change methods or prepare for a descent into hell.
In Dreier's case, hell had its benefits, and offered a lifestyle worth falling for. Perhaps Dreier thought a ladder could be found half way down—the best of both worlds. Except, that's not what happened…
Dreier opened his own law firm in 2002, Dreier LLB. He rented a prestigious address on Park Avenue in New York City and set to work attracting the industry's best and brightest to his ranks. To sustain the growth of his firm in 2004, Dreier engineered a simple strategy to gain access to quick capitol funds and fuel his business expansion: borrow money, while using someone else's credit. It was a plot that backfired and just four years later Dreier was looking at 20 years in prison after pleading guilty to scheming to sell promissory notes worth $700 million dollars from 13 different hedge funds.
Marc H. Simon, a former legal counsel for Dreier's firm, directed the 2011 documentary, Unraveled, shot before Dreier's incarceration. With the documentary being released later this week after spending the last year on the film festival circuit, it's an opportune time to shed some additional light on the story with Simon's participation
Prior to speaking with Simon, I was unaware of his previous position with Dreier's firm. Obviously a potential point of contention—specifically how the film would remain unbiased, was a general concern. Unlike the similar, but much more publicized Madoff scheme that was uncovered weeks after Dreier's, opinions were kept under lock and key, with only Vanity Fair and 60 Minutes gaining press time.
When the time came to speak with Simon, he easily acknowledged his past with Dreier, and how it was that very relationship that gave him a "unique opportunity to get inside a financial criminal, who is emblematic of this current era of many financial fraudsters and criminals."
When Dreier LLB folded, almost 800 people lost their jobs; clerks, lawyers, admin, and maintenance. In Dreier's position, I would expect that last group of individuals I would want making a documentary of my life would be former employees who single handedly I had taken their livelihood from.
Upon asking this of Simon, There was a faint chuckle.. He responded slowly, "sadly, that was (Dreier's) least concern."
"It doesn't make its way onto the film, but Dreier's on record saying he has no remorse about the employees who lost their jobs. His belief is that businesses go under all the time, and he went so far to say, that he kept the fraud going for a period of time in large part because he knew that when the music stopped, so to speak, that all of these employees would lose their jobs."
Dreier began laundering in 2004 by approaching hedge funds under the guise of a representative for real estate mogul Sheldon Solow, and asking for short-term loans at an attractive interest rate. The hedge funds were forthcoming as a prominent real estate mogul such as Solow would have the demonstrated need for financial liquidity in buying properties. By misrepresenting Solow and forging his accounting documents and potential investments that would require funding, Dreier was able to secure cash, which he envisioned he would pay back through growth of his own funds.
But how did Solow remain ignorant of these proceedings, and what made Dreier so sure that he wouldn't find out?
Upon asking this Simon confidently replied, "Absolutely nothing, just one hundred percent hubris. The only thing that I think you can admire about him is the sheer audacity of the man. To do what he did takes serious cojones. Then he turns it around and wants to say to the public, 'the reason a lot of people don't do this is because they don't have the opportunity and they don't have the fear of getting caught.'"
The film's opening montage features Dreier in Toronto realizing that if he doesn't raise USD$40M, he risks living as a fugitive for the rest of his life. At this point in time, he attempts to gain access to funds from the OTPP, a billion dollar plus pension plan and his last chance to pay back loans which were due. Despite having millions transferred into his bank from his client's escrow accounts and being on international soil, why doesn't he run? As Simon reminds me, Drier had two other chances to do the same: Once in Dubai where no extradition treaties exist; and another time on his yacht in St. Bart's. Even then, with up to $100M in personal accounts, Dreier had enough money to live comfortably as a fugitive for the rest of his life.
"One, I think he still believed that some way he could talk himself out of this. He was still in denial about the depth of the mess he had created. Two, I think that there….again, it's part of his image, part of it I think is on a humanistic level with his family, he knew that if he was to live as a fugitive, that would be far more damaging to his family and his children than coming back and serving the penalty for his crimes. I think he connected to that, and it was for those two principal reasons I don't think he had an understanding of how great the penalty would be. "
Most of Unraveled is shot in Dreier's slick $10M Manhattan apartment, and it is here that the audience is treated to a relatively calm, collected man spending time with his son Spencer and faithful dog; most of Simon's questions are answered as expected with pitch-perfect responses and regrets of his downfall. Dreier's explanations feel almost forced—too perfect, likely due to the fact he is not truly remorseful, at least not on an emotional level. Dreier didn't care about his employees losing their jobs, and I can imagine he doesn't feel repentant for the hedge funds he stole for or the clients he impersonated, especially after using their his clients' own boardrooms to conduct the schemes to feign legitimacy
Simon's true success in the film is his handling of Dreier's personal relationships, and attempting to break through to him on an emotional level.
In this scenario, Dreier's strongest moment in the film is his emotional vulnerability when questioned about his 88-year old mother whom at the time was paying tens of thousands of dollars to pay Dreier's private security while under house arrest.
Simon presented me with a couple of notable elements that the audience needs to keep in mind. "We're dealing with an unreliable narrator. The one area where I believe that Dreier did have some emotional connection was to his family. That's where cracks in the armor could be exposed. But as soon as the crack would start to show, he would want to pull back. Look, he's a son, he's a father, and he's a brother. When he contemplates what his crimes did to his family—that's where it starts to hit him."
But, why then? Were Dreier's dealings motivated simply by success and the recognition of that success? Wouldn't being locked up or ending up as a fugitive be counterproductive to the image he was trying to sustain? Was it the game of risk that he was engaging in that exhilarated him to continue?
I posed these questions to Simon, who quickly pointed out that Dreier had not "confess(ed) that being the case. Dreier absolutely got gratification out of, and it's why he kept doing it, it was the result."
"I do think the so-called entrepreneurialism of the fraud excited him. He wasn't going to say it did but moreover it was the recognition money allowed him to have, to hang around with athletes and celebrities, to be the big man on campus and be recognized. That's what he so desperately wanted and that's the universality of what his story, of what this portrait represents. "
It's an interesting summation that characterizes the documentary or 'portrait' as Simon refers to it. One that finds its place at a crossroads between the visually dark resume of a man and his attempts to rationalize his behavior by delineating himself as a contemplative character who understands, and accepts his wrongdoings.
But how is Simon able to remain unbiased at the helm? "I would say going into filming that was certainly my biggest concern. I called in my copilot on the production, my cinematographer Bob Richmond and every day before we would enter into this guild, this cage of house arrest, we would go over the days agenda, and I would say to him, 'If you don't see or feel me pushing hard on any issues, make sure you prod me and/or jump in yourself.'"
What would the audience take from the film? Would some feel like I did, questioning his motives; or would others tap into Dreier's story of remorse and feel twinges of sympathy?
"I think that there is a certain percentage of the audience that he does convince, there's a percentage of the audience that he absolutely does not convince—and probably irritates more than that, and then there's a third percent of the audience that they catch themselves feeling sympathy for him; and get frustrated and confused of why they're feeling sympathy for this guy who did such an awful thing. I said that's what makes this film unique, I want to say that's the goal in the film, for audiences to be conflicted. I want them to judge this guy and make their own decisions and I don't expect universality of opinion."
Unraveled will be released on Friday in select theaters and nationwide on VOD.
Check out more at www.unraveledthefilm.com


text: I thought I would put all the Great OGM winning performances together, since there are not many if you consider a single discipline. Pick upto 4 that you consider the greatest. You can either pick one from each discipline or pick multiple performances from the same discipline (e.g. you can even pick 3 men and one from another discipline). To keep it simple I have picked 3 from each discipline, and avoided two for the same skater(s)- e.g. G&G 88 and 94- to split votes for that skater. Since there are only 12 options, the usual 'Other' is not available but you can always comment.


text:
[Date Prev][Date Next][Thread Prev][Thread Next][Date index][Thread index]
Re: st: Creating a new variable with information from other observations
"Teresio Poggio" <email@example.com>
Re: st: Creating a new variable with information from other observations
Sun, 18 May 2008 15:15:05 +0200
On Sun, May 18, 2008 at 3:12 PM, Teresio Poggio <email@example.com> wrote:
> Dear Davide,
> from your dataset I'd build a just capitals dataset:
> - select just the capitals (drop if cityid !=capitalid)
> - in the new dataset keep just capitalid and latitude
> - rename latitude into latitude_capital
> - sort the data by capitalid and save it
> then open you original data set and sort it by capitalid,
> merge it with the new "just capital dataset" using capitalid as a key
> and the option uniqmaster
> (help merge for details)
> Hope this helps.
> Teresio
> On Sun, May 18, 2008 at 2:22 PM, Davide Cantoni
> <email@example.com> wrote:
>> Hello,
>> I am having a rather intricate problem in creating a new variable in a
>> panel dataset, and I appreciate any help you could offer. I hope the
>> problem can potentially be of general interest.
>> I have a panel dataset of cities and their characteristics in
>> different countries. I know the latitude of each one of these cities,
>> but now I want to create an additional variable reflecting the
>> latitude of the capital city of the country a given city lies in. So
>> for example: for the cities of New York, Chicago, etc., I want this
>> new variable to contain the latitude of Washington, DC.
>> Here is a description of the dataset's structure: it is a panel in
>> long form, with cities in different countries, observed over different
>> years. Each city has a unique numeric identifier, "cityid". Then there
>> is a country identifier, called "countryid". Finally, there is a
>> variable that repeats the capital city's cityid for each city in a
>> given country, "capitalid". For instance, if the cityid of London was
>> 135, all cities in the dataset that are in the UK would get a value of
>> 135 in the variable "capitalid". Finally, there is a variable called
>> "latitude" that refelcts the latitude of each city.
>> How would I now proceed to create this new variable, call it
>> "latitude_capital", by using the variables above?
>> Basically, the problem I'm having is
>> - tell stata to look up for each city its capitalid
>> - browse the dataset until you find a city that has the cityid equal
>> to this capitalid
>> - find out the latitude of this capital city
>> - go back to the original city and replace "latitude_capital" with the
>> latitude you've just retrieved
>> The additional problem I encounter while trying to construct something
>> with "foreach..." (that, at least, is what I was trying so far) is
>> that the values that the capitalid variable takes are of course not a
>> clean numlist (like "1(1)100"), but rather a sequence of numbers
>> without any regularity, such as 11 12 50 54 60 131... and so on.
>> Thanks for your suggestions!
>> Davide Cantoni
>> *
>> * For searches and help try:
>> * http://www.stata.com/support/faqs/res/findit.html
>> * http://www.stata.com/support/statalist/faq
>> * http://www.ats.ucla.edu/stat/stata/
> --
> ____________________________________________________
> dr. Teresio Poggio
> LaboR - Dipartimento di Sociologia e ricerca sociale
> Universitŕ degli studi di Trento
> Piazza Venezia, 41
> 38100 Trento, Italy
> Tel +39 0461/881406
> fax: +39 0461/881348
dr. Teresio Poggio
LaboR - Dipartimento di Sociologia e ricerca sociale
Universitŕ degli studi di Trento
Piazza Venezia, 41
38100 Trento, Italy
Tel +39 0461/881406
fax: +39 0461/881348
* For searches and help try:
* http://www.stata.com/support/faqs/res/findit.html
* http://www.stata.com/support/statalist/faq
* http://www.ats.ucla.edu/stat/stata/
|© Copyright 1996–2017 StataCorp LLC | Terms of use | Privacy | Contact us | What's new | Site index


text:
not a tube gun, well maybe square tube, but very scratch built:
Weaponeer Forums
I've been looking through the subgun BIY and it got me wondering if anyone else has ever built thier own subgun (semi) from scratch or mix and match parts. I have a running idea and sketches for a sub caliber carbine that uses AR15, sten, sterling,grease gun, and other subgun designs to produce a sub-caliber plinker. Has anyone else ever tried to make a bolt and receiver set from scratch and adapt parts to work?
My idea uses an AR15 FCG, upper tube receiver, lower square channel receiver, and some custom made parts. The barrel is retained like the AR barrel with a large threaded nut and an indexing pin in the barrel (although if its just a plinker and sights are mounted on the receiver it may not matter about indexing the barrel). Its also possible to build a pistol using another smg barrel if that route proves to be easier, or use a simple wire folding or non-folding stock made from bent 1/2" round bar and put the receiver on an F1.
Hold Mah Beer and watch this sh*t.
It has all been done for STENS and various others.
Hold Mah Beer and watch this sh*t.
One of the problems inherent in converting an open bolt SMG to a closed bolt semi is a lot of subguns use what is known as "advanced primer ignition". An open bolt smg commonly has a firing pin machined into the breechface, as the bolt chambers a round and closes on it, the pin dents the primer and sets it off before the bolt is fully forward. We're talking a fraction of an inch here, but that adds the forward momentum of the bolt to the weight of bolt/recoil spring equation when it comes to figuring what is needed to keep it closed long enough for the pressures to drop. Some designers may have been walking the very edge of what is "heavy enough" and when the forward momentum is removed from the equation it comes up a bit short.
As a type 07/02 I have been planning an open bolt 10mm with some features of the CZ26 and a layout similar to the Beretta PM 12. If it works I had planned to build a semi variant but I haven't gotten into the semi design phase yet. FA first, SA somewhere after that.
there have been alot of sgn 9 build going on since the article came out. that seems to fit your criteria. im working on a spin off of it. the build itself is posted on other sites. ill post pics here when its done.
cant do a open bolt, has to be a closed bolt, or the feds will get you
Any semi must fire from a closed bolt which has a separately driven firing pin.
And, a tube build to support an open bolt firing system is considered a MACHINE GUN.
Look at your cards good before you play the hand!


text:
Here is a photo of my homemade queen marking tube.
This is made from a pill bottle with a non child-proof cap, a piece of cardboard (single-face corrugated wrap would be nice),a piece of netting, a small slice of light foam rubber, and a piece of paper to dress up the plunger, some tape, and a dab of glue.
1. Tube is much lighter (8.7 grams as opposed to 24.3 grams)
2. The plunger goes straight in without wobbling about
3. The foam I used is less dense (compresses with approx. 1/2 the force)
4. The plunger is hollow (two wraps of cardboard), so the foam can flex downward


text: Used to own one and in my opinion absolutely useless. Not strong enough to shoot any of the more powerful 45LC's and I couldn't get more than 5 or 6 #6 shot in a coke can @ 5' so worthless for snakes as well. From my experience 410 slugs were more accurate than any of the 45LC I shot through it but as usual every gun is different... Aaron


text:
The growing use of mobile technology for sustainable food products in Sustainable Foods Summit.
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Jerome TOUVERON's curator insight, April 5, 7:48 PM
Shanghai is an ideal city for vertical farming... Discover here why...
Jerome TOUVERON's curator insight, April 1, 4:27 PM
A video showing and explaining a hydronic and vertical farming...
how does it work ? listen to the expert...
Cindy Burnside Peterson's curator insight, March 29, 11:53 PM
Getting back to knowing what we are putting in our stomachs -- sounds like a lot better plan to me.


text:
Sign up as an AKA INSIDER for guaranteed best rates and special offers
AKA White House in Washington DC has been wonderful. Who would have thought a suite in the center of DC would have such a large living space? I slept better in the AKA bed than my bed at home. I liked it so much I even inquired about buying an AKA bed for my home!
Business Traveler
World Bank
Staying with AKA is always a pleasure. Among all amenities and service, coming from another country it is nice to have access to a large range of foreign tv channels. Most may not notice this but when English is not your native language these are the touches that make you feel at home.
Business Traveler
Intl Monetary Fund
AKA White House is centrally located just two blocks from the nation's most important residential address, as well as in close proximity to many noteworthy business and arts institutions including the World Bank, the Treasury Department, the International Monetary Fund, and the Corcoran Gallery of Art.
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text: I'm ready to build my first horizontal Lang and my first question deals with the bottom board. I plan on using 3/4" plywood for bottom and 1x12 for sides, for those who've built one or more of these did you rabbit in the plywood, mount within the sides or attach directly to the bottom of sides? I plan on using the plywood as a template for keeping box square.


text:
Best Healthy Cooking Tips
32 Tips For Healthier Cooking
Photo 1 of 33
32 Tips For Healthier Cooking
If you grew up in a house where red meat and butter always took center stage, then healthy cooking techniques might feel a bit foreign in your kitchen. Whether you're a seasoned chef looking to make conscious changes or a cooking novice ready to get comfortable in the kitchen, there's a healthy and helpful tip on this list for everyone.
— Additional reporting by Susi May, Michele Foley, Leta Shy, Emily Bibb, Jenny Sugar, and Zelena Montminy


text: Many couples do not prefer baby soon after their marriage due to various reasons. Everyone has different attitude for living life, many couple need freedom for some time and therefore do not prefer child for few years after marriage. Some women avoid pregnancy due to their career while many couples plan for baby only after they find stable financial condition. For avoiding pregnancy women use different birth control method such as birth control pills, intrauterine device, condoms and other birth control methods.


text:
Freebore, what about simple off the shelf supplies ? say a year's worth max. i've never been able to find how long this stuff is good for. the codes on the cans are not for the consumer.
on a side note, i once read hot dogs in a landfill lasted 10 years !!
must have been that o'l red dye # 5. even bacteria won't eat oscar meyers


text: My experience Our founder, Jack Tordoff, always says that if you put customers first then they will do the same for you and at JCT600 we take our customers' experiences very seriously. We welcome feedback from our customers, whether positive or negative, and would encourage you not only to read what our customers have to say about us but also to tell us about your experience of JCT600. Please use the button below to complete our customer feedback form. Submit Feedback


text:
Fixed check engine light!
Reviewed By Josh B (VENTURA, CA) Reviewed for a 2005 GMC Sierra —9/8/2016 8:19 PM
Was easy to pop the old maf off and replace it with this new one. Was relieved to resolve a check engine light that would come on intermittently. Thank you autoanything


text: 2012 Society for Conservation GIS Annual International Conference. Wednesday, January 23, 2013 Sharon Grant Sciences, Environment & Conservation, Maps Each year the Society for Conservation GIS (Geographic Information Systems) hosts an Annual International Conference. The conferences are theme-based, addressing contemporary issues facing conservation efforts at all levels. For conservation GIS practitioners, the SCGIS Annual International Conference is one of the best forums to share their work and collaborate with colleagues. The 2013 Annual Conference will be held July 16-18, 2013 at Asilomar Conference Grounds in Monterey, California. Registration will open in early 2013.


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So I got those cans/belts I ordered from MG34.com... MAN are they nasty! Someone repainted a few of them with an ugly playground-swingset-green using a thick, thick brush. There are bristles stuck in the bottm seam of the cans, and the pain has frozen the dust cover's feed door and spring. NO JOKE! I can strip them down but it was kind of amusing to see them that way.
In comparison to my Hungarian cans, these have no "bullet points this way" embossing, the canvas straps are stretched out a significant amount, and the overall condition is "beat all to hell but still serviceable".
They still have the 250- and 100- round can/belt combo listed on their site. So for now at least, they are the only ones I know of that have them in stock.
I called ORF today and they have nothing for PKMs at all.
I found the "wide" strap that, according to pics in the AA-OK.com gallery, is in fact an E. German PK strap. I ordered one, so we'll see how it looks. It appears the E. Germans didn't put that pad on their straps.
Oh and at one time, http://www.winslowarmory.com/ had PKM buttstocks. They looked brand-new from the pics. I don't see them right now, but perhaps they'll get more in soon.
Stay tuned, more to come!


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Refers to the extremities of sexual deviations (paraphilias), e.g. shit fetish, snuff fetish, fisting, etc. The fact is, the human mind can be distorted so much that there really is no limit to sexual deviation. So the limit is in a metaphorical sense.
You may think the sexually disturbed sickos imprisoned for life in max security prisons have reached the limit of sexual deviation, but how can you be sure?
by Skyboy September 06, 2005


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Details of galleries that offer ceramics for sale. Member Galleries have fuller information and are listed first.
|Bevere Lane, Worcester, Worcestershire, UK, WR3 7RQ
+44 (0)1905 754484
Website |
Latest event: MAY FOCUS - 2017
'Bevere Gallery shows the best of modern/British studio ceramics, along with paintings and other crafts in an intimate setting. A regional gallery, showing national artists' David Whiting, Ceramics Critic.Bevere Gallery..
|14 Market Place, Holt, Norfolk, UK, NR25 6BW
+44 (0)1263 713312
Website |
Latest event: Clare Conrad ceramics
Acclaimed art gallery, established since 1988. The gallery stocks the work of over 200 artists and craftspeople, displaying a wide range of unique and beautiful art from East Anglia and beyond. Our innovative exhibition..
|50-51 Bluecoat Chambers, College Lane Entrance, Liverpool, Merseyside, UK, L1 3BZ
+44 (0)1517 094014
Website |
Latest event: Proteges -
The Bluecoat Display Centre is a haven for enthusiasts of everything exquisite in the field of contemporary craft and design. Situated in the heart of Liverpool.Our friendly and knowledgeable team consisting of Maureen..
|205 Halls Road, Tilehurst, Reading, Berkshire, England, RG30 4PT
+44 (0)118 9455933
Website |
The Bluematchbox gallery opened in June 2009. A gallery dedicated to handmade pottery and ceramic art from craftsmen, artisans and artists working today.Not only a gallery, but a working pottery (Tilehurst Pottery)..
|67 St John's Wood High Street, London, UK, NW8 7NL
+44 (0)2077 220686
Website |
Specialists in modern glass, studio ceramics, bronze, wood, mirrors, perfume bottles, and contemporary jewellery in precious and non precious metalsThe Cecilia Colman Gallery began its successful life December 1977 in what was..
|63, Great Russell Street, Bloomsbury, London, UK, WC1B 3BF
+44 (0)20 7242 9644
Website |
Latest event: Assembled Space
A retail gallery showcasing the best of British studio ceramics in the heart of LondonContemporary Ceramics Centre is the only retail gallery in London specialising exclusively in British Studio Ceramics. The gallery is a..
|Spiegelgracht 2a, (Souterrain), Amsterdam, Holland
+31 020 6223088
Website |
Our gallery is situated in Spiegelkwartier, the gallery quarter in Amsterdam that is very close to the Rijksmuseum. We exhibit and sell contemporary art. The emphasis lies on wonderful ceramics and paintings. Our collection..
|The Street, Walberton, Nr. Arundel, West Sussex, UK, BN18 0PQ
+44(0)1243 554818
Website |
Forge Gallery is a grade II listed building in a conservation area of West Sussex. The former village forge has been converted to provide an outlet for artists and makers, chiefly local. Mike's interest in ceramics (he has..
|9B Margarets Buildings, Bath, Avon, Somerset, UK, BA1 2LP
+44 (0)1225 319197
Website |
Gallery Nine is situated in the beautiful Georgian city of Bath in a small pedestrian street close to the Royal Crescent and the Circus.It offers affordable, original, contemporary works of art and specialises in British..
|81 High Street, Eton, Windsor, Berkshire, England, SL4 6AF
+44(0)1753 622333
Website |
Jam is a successful and established gallery in the heart of Eton, a stone's throw from both Windsor Castle and Eton College. The gallery has an additional studio and courtyard space to showcase and sell its large..
|43 Oxford Street, Woodstock, Oxfordshire, England, OX20 1TJ
+44 (0)1993 358707
Website |
Established in 2012, Junction Art Gallery is rapidly building a reputation for exhibiting fresh, contemporary fine art and craft. Based in the beautiful market town of Woodstock, Oxfordshire, the gallery aims to reflect..
|20 Market Street, Brighton, Sussex, England, BN 1HH
+44 (0)7803 589059
Website |
Latest event: Transcendence
...especially selected for youThe artist owned gallery is located in the prestigious, historical heart of the Brighton Lanes area, a fitting situation for a space sympathetic to the art of story-telling. The gallery..
|Studio & Museum, Higher Stennack, St Ives, Cornwall, UK, TR26 2HE
+44(0)1736 799703
Website |
Latest event: Japanese Connections - at St.Ives
Founded in 1920 by Bernard Leach and Shoji Hamada, the Leach Pottery is probably the most famous and certainly the most influential studio pottery in the world. For decades it forged the shape of studio pottery production..
|77 High Street, Old Town, Hastings, East Sussex, UK, TN34 3EL
+44(0)1424 434090
Website |
Leigh Gallery is in the heart of the 'Old Town' district in Hastings with its many galleries, restaurants and interesting shops. The High Street starts on the sea front with the fishing boats and tall wooden net shops on..


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Compare Securities Offerings attorneys near you. Read reviews, see Avvo Ratings, and contact them directly.
Get the legal help you need at a fixed price. No hidden fees or long-term commitment.
Securities offerings attorneys help successful corporations raise money through the sale of shares or stakes in the company to the public. When you invest in a company, like General Motors, you become a part owner of the company; your ownership is represented by the value of your shares. Securities offerings are extremely complicated processes, requiring strict compliance with many legal regulations. Securities offerings lawyers allow the company to offer its shares for sale safely by ensuring that these requirements are met.


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There have been several panels with GeekMom writers in the past year, such as at New York Comic Con, PAX, and PAX East. I saw videos of those panels and they looked like quite a bit of fun. There had never been a GeekMom panel at Dragon*Con, so I worked with the Kaleidoscope track to make this panel a reality.
The Are You A Geek Parent? panel took place on Friday, August 31st at 1pm. We had a packed room of about 80 people and it was a great success.
I came up with the idea of trying to get a panel at Dragon*Con many months ago. The only track that I had any contacts with was the Whedonverse track, but I knew that wouldn't be a great fit for a GeekMom panel. I asked around to my friends and I got the contact information for the track director of the Kaleidoscope track from my friend and author Janine Spendlove. The Kaleidoscope track is a new track that is geared towards younger kids from the ages of 9 and 13. It was the perfect track for a GeekMom panel. It just took an email to the track director to get the ball rolling.
The Are You A Geek Parent? panel featured myself, GeekMom Patricia Vollmer, and GeekMom Ruth Suehle, and author and geek parent, Bryan Young. We also had a Kaleidoscope track member, Trish, who led our panel. She had a variety of topics for us to talk about.


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Pregnancy Exposure Registry for Tysabri®
- Full Text View
- Tabular View
- No Study Results Posted
- Disclaimer
- How to Read a Study Record
Crohn's Disease
Prenatal Exposure
Multiple Sclerosis
|Study Type:
|Observational [Patient Registry]
|Study Design:
|Observational Model: Cohort
Time Perspective: Prospective
|Target Follow-Up Duration:
|52 Weeks
|Official Title:
|TYSABRI® Pregnancy Exposure Registry
- Number of spontaneous abortions, fetal losses including stillbirths, and ectopic pregnancies [ Time Frame: Approximately 9 months ]
- Number of elective or therapeutic pregnancy terminations [ Time Frame: Approximately 9 months ]
- Number of Live Births [ Time Frame: 4 weeks after the estimated date of delivery ]
- Number of Live Births with Birth Defects [ Time Frame: 8-12 weeks post-birth ]
|Study Start Date:
|January 2007
|Study Completion Date:
|July 2012
|Primary Completion Date:
|July 2012 (Final data collection date for primary outcome measure)
This study was conducted in coordination with the TYSABRI® Global Observational Program in Safety (TYGRIS) observational study in the United States (US), Canada, and Rest of World (ROW).
The Coordinating Center (CC) monitored participants throughout their pregnancies and monitored the infants until 8 to 12 weeks of age in the US and Canada, and within 4 weeks after the Estimated Date of Delivery (EDD) in the ROW.
|Ages Eligible for Study:
|Child, Adult, Senior
|Sexes Eligible for Study:
|Accepts Healthy Volunteers:
|Sampling Method:
|Non-Probability Sample
Key Inclusion Criteria:
Females who become pregnant while they are taking TYSABRI® as part of the TYGRIS program, during a clinical trial with TYSABRI® that is sponsored by Biogen-Idec, or in the post-marketing setting may enroll in this Registry, as follows:
- Documentation that the patient was exposed to TYSABRI® within 90 days prior to first day of Last Menstrual Period (LMP) or during pregnancy. (If exposure dates are unknown, the reporter must be able to specify or estimate trimester of exposure).
- The outcome of the pregnancy must not be known at the time of enrollment. For pregnancies for which the outcomes are known at the time of enrollment, the information will be collected as retrospective reports and analyzed separately.
- For US patients, verbal informed consent must be collected at the time of enrollment. The Coordinating Center (CC) obtains verbal informed consent (if verbal consent has not already been obtained by the physician). The CC then mails the patient a Release of Medical Information form to sign and return. If the patient is a minor, verbal consent must be obtained from the parent or legal guardian and verbal assent must be obtained from the patient.
- For Canadian patients, a written informed consent must be collected by the TYGRIS investigator at the time of enrollment. A Release of Medical Information form will also be signed by the patient and returned to the CC.
NOTE: Other protocol defined Inclusion/Exclusion criteria may apply.
Please refer to this study by its ClinicalTrials.gov identifier: NCT00472992
|United States, West Virginia
|United BioSource Corporation
|Morgantown, West Virginia, United States, 26505
|Study Director:
|Medical Director
Publications automatically indexed to this study by ClinicalTrials.gov Identifier (NCT Number):
|Responsible Party:
|ClinicalTrials.gov Identifier:
|NCT00472992 History of Changes
|Other Study ID Numbers:
|Study First Received:
|May 11, 2007
|Last Updated:
|August 7, 2014
Keywords provided by Biogen:
Additional relevant MeSH terms:
Multiple Sclerosis
Crohn Disease
Demyelinating Autoimmune Diseases, CNS
Autoimmune Diseases of the Nervous System
Nervous System Diseases
Demyelinating Diseases
Autoimmune Diseases
Immune System Diseases
Inflammatory Bowel Diseases
Gastrointestinal Diseases
Digestive System Diseases
Intestinal Diseases
Immunologic Factors
Physiological Effects of Drugs
ClinicalTrials.gov processed this record on May 25, 2017


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This does not reserve your product, nor does it guarantee the current pricing. Product will be subject to price changes and/or pre-sales to customers who have pre-ordered this item. To reserve your product, order it today. Don't worry, we won't share your e-mail address with anyone.
To reserve this product today, simply place an order for it. We will not charge your credit card for this product until it actually ships. You may cancel your order at any time prior to shipment, at no cost to you, by calling 1-866-805-9385, 7 days a week.
Product No. 13418
The Pure Lens for the HK Army KLR Goggles will keep your vision clear while offering protection against the sun. Using a high grade of GE polycarbonate, the lenses are made to take paintball impacts while being optically correct for a clear range of vision so you can play all year long without a distorted view. The lens is a thermal system will prevent fog issues up to 80% by being dual layered while having a layer of anti-fog solution in the inside lens. Grab a few of these in your gear bag so you don't have to sit out a game if your lens gets too scratched up or broken!


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Manage Requested Items
Requests on your library account
All items you request from our library catalog can be managed at the library or 24 hours a day using our online catalog.
Our Automated Telephone Circulation System is temporarily offline.
Suspend a Request
If you want to avoid having requested items arrive during a time when you are on vacation, out of town, or otherwise unable to pick up items, you can suspend the requests until the date that you will be available. Currently, you can only suspend a request by contacting your local library. We hope it won't be long until you can do this by logging into your account online.
You can also cancel the suspension if you become available to pick the item up earlier than expected.
Cancel a Request
To cancel an item you previously requested, log into your account online and viewing your Hold list.
Click the checkbox next to the item(s) you wish to cancel. Then click on the Update List button. You will get a confirmation that your hold items are being cancelled / updated. Answer Yes, and the item(s) will be removed from your Hold list.


text:
High Desert Power Plant Project
Docket Number:
97-AFC-01 (Application For Certification)
97-AFC-1C (C1) (Complaint Proceeding)
Project Status:
Licensed; In Compliance Phase. Operational: April 22, 2003.
2015 Amendment; In Review.
The California Energy Commission approved this project's Application for Certification on May 3, 2000. The Commission monitors the power plant's construction, operation and eventual decommissioning through a compliance proceeding.
Committee overseeing 2015 Amendment Proceeding:
Karen Douglas, Commissioner, Presiding Member
Janea Scott, Commissioner, Associate Member
Hearing Officer: Susan Cochran
Committee that oversaw Original Licensing Proceeding:
Robert A. Laurie, Commissioner, Presiding Member
William J. Keese, Chairman, Associate Member
Hearing Officer: Stanley Valkosky
Key Dates
- June 30, 1997 - Application For Certification (AFC) filed.
- December 3, 1997 - AFC deemed adequate.
- May 15, 1998 - Staff file draft Preliminary Staff Assessment.
- June 20, 1998 - Mojave Desert AQMD filed Preliminary Determination of Compliance.
- July 8, 1998 - Applicant notified Energy Commission that it would no longer pursue simple cycle project configuration.
- September 24, 1998 - Staff will file Revised Preliminary Staff Assessment.
- October 1, 1998 - Mojave Desert AQMD will file Revised Preliminary Determination of Compliance.
- January 21, 1999 - Staff file Staff Assessment.
- May 3, 2000 - Commission Approves High Desert Plant.
- November 9, 2001 - Chairman of Commission issues Notice of Complaint Proceeding.
- April 22, 2003 - Power plant on line and producing power.
- October 30, 2015 - Petition to Modify to Drought-Proof the Project
On March 5, 1997 the High Desert Power Project, Limited Liability Company (LLC) received an exemption from filing a Notice of Intention (Docket 97-SIT-1), which allowed the applicant to file an Application for Certification (AFC) for the project. On June 30, 1997, the applicant filed an AFC with the Energy Commission to construct and operate the High Desert Power Project (Docket 97-AFC-1). The project's co-sponsors are Constellation Power Development Baltimore, Maryland, and Inland Energy of Newport Beach, California. The applicant proposes to develop a 680 to 720 megawatt natural gas-fired merchant power plant on a 25 acre site on a portion of the Southern California International Airport (SCIA), formerly George Air Force Base, located within the northwest corner of the city of Victorville. More information about the project is contained in our Project Fact Sheet.
Energy Commission Facility Certification Process
The California Energy Commission is the lead agency (for licensing thermal power plants 50 megawatts and larger) under the California Environmental Quality Act (CEQA) and has a certified regulatory program under CEQA. Under its certified program, the Energy Commission is exempt from having to prepare an environmental impact report. Its certified program, however, does require environmental analysis of the project, including an analysis of alternatives and mitigation measures to minimize any significant adverse effect the project may have on the environment.
For Questions About This Siting Case Contact:
For Questions About Participation In Siting Cases Contact:
Public Adviser
California Energy Commission
1516 Ninth Street, MS-12 Sacramento, CA 95814
Phone: 916-654-4489
Toll-Free in California: 1-800-822-6228
E-mail: firstname.lastname@example.com
News Media Please Contact:
Media & Public Communications Office
Phone: 916-654-4989
E-mail: firstname.lastname@example.com
2015 Amendment Proceeding
Compliance Proceeding
- Submit e-Comment
- Submit e-Filing
- Documents for this Proceeding
(Docket Log)
- Exhibit List
- Proof of Service List
- Proof of Service Declaration Form MS Word or PDF
- Search Documents in this Proceeding
- Search All Power Plant Documents
- Legacy Compliance Documents Page
(No Longer Updated)
Original Proceeding
- Submit e-Comment
- Submit e-Filing
- Documents for this Proceeding
(Docket Log)
- Exhibit List
- Proof of Service List
- Proof of Service Declaration Form MS Word or PDF
- Search Documents in this Proceeding
- Search All Power Plant Documents
- Legacy Notices Page
(No Longer Updated)
- Legacy Documents Page
(No Longer Updated)


text:
Minor |
21 credit hours
Credits shown here reflect the number required to graduate for the given major. Your actual number of required credits may be higher or lower depending on your previous college experience. The actual number of credits you will need to graduate from BVU will be determined by a free official transcript evaluation.
The psychology minor prepares you for graduate training in psychology, counseling, school psychology, and social work, as well as being able to start as the basis for other advanced medical degrees. Understanding the human mind can help another person in distress, assist in breaking down a new market through advertising, or help diffuse a dangerous situation peacefully. It's amazing how far the mind (and its study) can take you.
Employment opportunities include:
- Psychologist or Psychiatrist
- Police officer
- Occupational counselor
- Marriage and family therapist
Psychology minors must receive a grade of C- or higher in the following course:
- PSYC 100 General Psychology or PSYC 102 The Science of Psychology
Psychology Courses (Choose 2 from)
- PSYC 201 Child Development
- PSYC 203 Social Psychology
- PSYC 220 Behavior Modification
- PSYC 230 Sleep and Dreams
- PSYC 239 Abnormal Psychology
- PSYC 265 Health Psychology
- PSYC 281 Introduction to Biological Psychology
- PSYC 291 Learning and Memory
Psychology Upper Level Classes (Choose 2 from)
- PSYC 329 Psychology of Gender
- PSYC 364 Industrial Psychology
- PSYC 369 Psychology of Personality
- PSYC 389 Introduction to Counseling
- PSYC 415 Sensation and Perception
- PSYC 429 Stereotypes and Prejudice
- PSYC 440 Cognition
- PSYC 480 Advanced Research
Psychology Electives
- Psychology electives (to reach 21 credit hours in psychology)
Tuition & Fees
Undergrad Tuition
2016-17 Tuition:$413 per credit hour
2017-18 Tuition:$421 per credit hour
How to Apply
Admissions Requirements
BVU's degree completion programs are classified as junior-senior level. Persons who have completed an associate degree or 60 credit hours from a regionally accredited institution qualify for admission. College level examination program credits (CLEP) and life experience credit may be available as described in the academic section.
Application Process
- Although personal interviews are not required, applicants are urged to confer with an advisor.
- Request that official transcript(s) from each college or university previously attended be sent to the BVU. Without official transcripts and records, a student will not be allowed to register beyond the initial semester.
- Complete the BVU Degree Completion Application
- If you will be applying for financial assistance including student loans, complete the Free Application for Federal Financial Student Aid (FAFSA) at www.fafsa.gov.
- Students who have previously earned a B.A. or B.S. degree may be eligible to earn a second bachelor's degree from Buena Vista University.
Financial Aid
Financial Assistance is available to qualified students at our traditional campus and to students taking degree completion and graduate coursework. All students are encouraged to fill out the Free Application for Federal Student Aid at www.fafsa.ed.gov. The FAFSA is processed by the U.S. Department of Education. You may request to have your FAFSA results sent to BVU. Even if you are currently unsure if you will attend, completing this free application will help determine your financial need.
BVU's institution code: 001847
Grants are funds that do not have to be repaid. Click on a grant below to see more information.
TEACH Grant
The Teacher Education Assistance for College and Higher Education (TEACH) Grant Program provides up to $4,000 per year in grants for graduate and undergraduate students who intend to teach full-time in high-need subject areas for at least four years at schools that serve students from low-income families. Students must meet all eligibility requirements.
Phi Theta Kappa Scholarships
Phi Theta Kappa transfer scholarships are also available for those who qualify.
Loans are made to students at low interest rates and must be repaid, but generally payments are not due until the student has completed his or her education or ceases at least half-time enrollment.
Tuition Reimbursements
Tuition Reimbursements are available through many area employers. Many companies will pay part or all of an employee's educational costs. Check with your company's benefits representative to see if you qualify. All tuition reimbursement benefits must be reported to the Office of Financial Assistance.
G.I. Bill and Yellow Ribbon Program.
All programs are approved for the G.I. Bill and Yellow Ribbon Program.
Have more questions?
In addition to the above information, our staff is happy to answer any questions you have about applying for financial aid. If you are in need of financial assistance, such as college scholarships in Iowa or scholarships for adults returning to college, please contact us at 712.749.1000 to receive more information about how affordable our programs can be.
Contact Us
Phone: 712.749.1000
Fax: 712.749.1470
E-mail: email@example.com
610 W. Fourth Street
Storm Lake, IA 50588


text:
About 60 hours after winning the Stanley Cup, the Chicago Blackhawks snapped back into business mode.
GM Stan Bowman told reporters on Thursday that the team will use its two compliancy/amnesty buyouts on winger Rostislav Olesz and defenseman Steve Montador if they go unclaimed. That means that about $5.9 million will come off the salary cap over the next two seasons—both were signed through 2014-15.
MORE: Blackhawks' celebration ranked
It also means that they've decided not to use one of the compliance buyout on winger Marian Hossa, who remains an All-Star-caliber player and two-way force, but is 34 and carries a $5.275 cap hit through 2021. The sooner he retires, the larger the hit Chicago takes under the so-called "cap recapture" rules that retroactively punish back-diving deals like Hossa's.
Under the new CBA, teams receiving a "cap advantage" from long-term contracts (defined as seven years or more) will be penalized if a player retires from or leaves the NHL before the contract expires. If and when that happens, the team will penalized the difference between the player's salary and cap hit for the remainder of the contract.
In Hossa's case, if he were to retire in, say, 2016, the Hawks would pay $3.675 millon against the cap until 2021, according to CapGeek.
Finally, according to both ESPN's Pierre LeBrun and TSN's Bob McKenzie, the team has center Dave Bolland on the market. Though Bolland scored the Cup-winning goal with less than a minute remaining on Monday night, he's probably already overpaid at $3.375 million against the cap, and won't be worth whatever raise he seeks.


text:
Build beautiful, healthy skin from within.
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Get Healthy Skin from the Inside Out
Healthy skin requires a combination of great topical skin care products and great nutrition for internal skin care that comes from the proper balance of nutrient minerals and vitamins. Murad skin care dietary supplements work to strengthen skin, boost antioxidant protection from environmental damage and ensure that you have the building blocks to promote and protect healthy, nourished skin. Whether your skin care concerns are aging skin or acne treatment, there's a Murad skin supplement solution to enhance your skin care regimen. Murad skin care supplements combined with topical skin care, as part of an Inclusive Health™ lifestyle, can get you healthy, glowing skin that's Better EveryDay®.
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