text:
Banged Up, Perkins Can Still See Woes Clearly
|01.18.10 at 11:39 pm ET
BOSTON ' Kendrick Perkins walked into the locker room with a bandage on his cheek. The big man caught an elbow from Dirk Nowitzki while he was trying to block a shot and ended up with six stitches under his right eye.
In spite of the battle wound, Perkins could still see the Celtics' problems clearly. They have dropped the past three games at home after giving up a 12-point lead to the Mavericks on Monday night. The Celtics are now 11-7 in Boston this season and 4-6 in their last ten games.
'We're not putting together a full game, obviously, so we're playing in spurts,' he said following the C's 99-90 loss. 'We're not playing for 48 minutes. The first half was pretty great tonight. Second half, third quarter we gave up 34 points and we can't do that.'
In addition to blowing a third quarter lead to the Mavericks, the Celtics have been outscored in the fourth quarter in their last four games. They are 1-3 during that stretch, except for a win over the Nets. Extended minutes and fatigue all come into play late in the games. So does the absence of a leader whose intensity is heightened down the stretch.
'You need Kevin [Garnett], we needed Kevin tonight,' said Perkins. 'I think [the Mavericks] match up pretty well with this defense and the way Dirk stretches the court, Kevin could guard guys like this. So I guess we needed him, but we couldn't do it.'
Even with the bandage under his eye, Perkins has a clear perspective on the Celtics' recent woes.
'[It's been an] up and down season,' he said. 'I think we're playing in spurts during the season so some games we look like a championship team, some games we look pretty old, but we've just been playing in spurts.'
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Hillsdale Inn
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... so glad to have it cut as am feeling like a shaggy dog.
We had a light tea about 6.30pm at a diner just near our hotel and walked around Macy's then went walking but there was such a cold wind and the streets are very steep so we decided to come back to our room and keep warm.
Hopefully tomorrow we will wake up feeling great and ready to check out the rest of San ...
Getting Anxious For Our Trip
We leave one month from today! All reservations are made and all paperwork is in order. We will fly to Toronto and then onto Istanbul for 3 days before boarding the Emerald Princess on May 23, 2015. We will meet our friends Carol and Peter at the hotel in Istanbul and do some touring and sight seeing with them. We have made arrangements with a tour company in Istanbul through a good friend of ours here in California.
Day 2 - Visit to the Academy of Science and Tuba!
Just a quick note, if you double click on the first picture you will get a slideshow of all the pictures in this blog. Some pictures have a comment attached that you can see in the slideshow.
Day 2 of our trip saw Maureen and I do a lot of walking, close to 7 miles by the time the day was over. We walked from our location to the Starbucks on the corner of ...
The Highs and Lows of San Francisco
... shops around and a Saks Fifth Avenue department store. It was all a bit fancy for us so we cut back through to Market Street and continued to walk down to the ferry building by the seafront. Well… I'm not sure if we missed something or what but there was nothing on the rest of the street. As for the main shopping downtown area I cannot see how this is it at all. It was extremely underwhelming.
The ferry building had a bunch of posh food shops and we had ...
Bladders, Bear Boxes, Boyz to Men and Bibi Harusi
... straight talking consultant from Toronto, and Lotus and Tom, well if you have been diligently reading this blog, you know who already. They all met in San franscisco, an edgy, crumbling chic of a city with tourists, natives as they like to call themselves and unfortunately a whole lot homeless. Katy, who had developed a fetish for open bus tours that whirled us around the city listening to the same jokes the tour guide had dished out that day and many days before. We walked across ...

subset: commoncrawl


text:
It looks like the Dow Jones Industrial Average and Russell 2000 Small Cap Index have already broken below their 200dmas. So S&P is lagging here. Interesting because that's exactly what Tom DeMark was saying about his indicators a few weeks ago on CNBC. Has $SPX put in its 13 top yet?
So could $SPX bounce and retest the 200dma or even break above it? Perhaps, see June. But overall, price action is looking weak. The U.S. Dollar Index is also testing its 200dma on the upside. The Distressed Volatility market polls so far see $SPY, the S&P 500 ETF, trading around 120 on December 31, 2012. $SPY closed at 137.95 today. Vote in the market elections by 11/15 on the left sidebar to make these polls more efficient. The fiscal cliff, EPS deflation (2) and volatility in the eurozone could affect the market going forward.
$SPX (S&P 500 Large Cap Index)
$INDU (Dow Jones Industrial Average)
$RUT (Russell 2000 Small Cap Index)
charts courtesy of stockcharts.com


text:
Compatible Car/Auto Charger for Apple iBook, PowerBook G4 Series (65W)
Item No.: Dekcell - AL-3213-CAR
Ratings: (2 reviews).
Availability: In Stock, Ships within 24 Hours
Good 2nd Source to power my Mac
Ships from U.S Warehouse. Most customers receive within one week.
Price: $26.95
Note: Order placed before 12:30PM Pacific Standard Time will normally be processed in the same day.
- Replacement Apple Car/Auto Power Charger for iBook, PowerBook G4 A1021
- Input: 12-36V, DC; Output: Output: 24.5V 2.65A, DC (65W)
- Brand new, one year warranty!
- For following Apple Laptop Model Number: iBook (14.1 LCD 16 VRAM), iBook (14.1 LCD 32 VRAM), iBook (14.1 LCD 900MHz 32 VRAM), iBook (14.1 LCD), iBook (16 VRAM), iBook (32 VRAM), iBook (800MHz 32 VRAM), iBook (900MHz 32 VRAM), iBook (Late 2001), iBook (Opaque 16 VRAM), iBook G4 iBook G4 (14-inch), iBook G4 (Early 2004), PowerBook G4 (12-inch 1.33GHz), PowerBook G4 (12-inch DVI), PowerBook G4 (12-inch), PowerBook G4 (15-inch 1.5/1.33GHz), PowerBook G4 (15-inch FW800), PowerBook G4 (17-inch 1.33GHz), PowerBook G4 (17-inch 1.5GHz), PowerBook G4 (17-inch), PowerBook G4 (1GHz/867MHz), PowerBook G4 (DVI), PowerBook G4 (Gigabit Ethernet)
Compatible Apple Model Number
Compatible Apple Part Number
Product Reviews
Avg. Customer Rating: (5.0 out of 5) based on 2 reviews. Write Your Review
1. another headline
By tony from san juan on Jan 15, 2010
my car doesnt have an ac output.. kinda a waste of money
2. auto adapter for my ibook
By jlugzbz from New York on Dec 23, 2009
i can use my ibook in my car, play games or see news.


text:
Close to midnight Wednesday, the House of Representatives approved an amendment to the 2013 farm bill introduced by Congressman Kevin Cramer.
The amendment to the Federal Agriculture Reform and Risk Management (FARRM) Act of 2013 modifies policy on wetlands mitigation to ensure agriculture producers will be subject to no higher than a 1-for-1 acreage basis when enhancing, restoring or creating wetlands. Under the amendment, the Natural Resources Conservation Service (NRCS) can no longer subject farmers to higher requirements for wetlands restoration based on its own arbitrary judgment of land quality.
"I am pleased the House has accepted this important reduction in the regulatory burden facing our food producers. This amendment further strengthens the farm bill for North Dakota farmers and landowners as our chamber moves closer to a vote on the full legislation," said Cramer.
Source: http://cramer.house.gov/media-center/press-releases/cramer-farm-bill-amendment-approved-by-house-of-representatives-in-late


text:
NewsHour Poetry Series
Bringing Persian Poetry to Western Readers
The works of 14th century Persian poet Hafez are iconic in Iran. Poet and scholar Dick Davis has spent years bringing the medieval writer's words to the West. Jeffrey Brown talks to Davis about his experiences with Persian culture, the challenges of translating, and his new book, Faces of Love: Hafez and the Poets of Shiraz.
Other Information
Browse Poemsloading...
- Learn More
- Visit teacher resources for NewsHour Poetry Series at
- http://www.pbs.org/newshour/poetry
NewsHour Poetry SeriesEngaging a broaderaudience through a series of throughful, in-depth reports on contemporary poets and poetry.
Favorite Poem Project
Classical Baby (I'm Grown Up Now): The Poetry Show
Poetry DocumentariesShort features on poets and poetry
A Child's Garden of Poetry
Garrison Keillor on loving poetry 'as clear statement'
In college, Garrison Keillor studied poetry as an English major. But when the host of "A Prairie Home Companion" and "The Writer's Almanac" returned to...
After fatal gun accidents, children can find comfort in poetry
In a shocking accident, a nine-year-old girl shot and killed her instructor last week at an Arizona gun range. When children are involved in fatal...
Poet remembers fallen friend James Foley
James Foley—an American journalist who was murdered as a hostage by the Islamic State group—met poet Daniel Johnson many years ago, and the two became...
Poet finds solace in elegy of departed son's wild energy
When Edward Hirsch lost his son to a drug-related cardiac arrest, the poet began collecting his memories. Overwhelmed with grief, Hirsch turned his reflections into...
Storymoja festival celebrates flourishing African literature
In September, writers and readers gathered at Storymoja, an annual literary festival in Africa. A celebration of books and ideas, it was also a time...
Using poetry to uncover the moments that lead to racism
Poet and playwright Claudia Rankine says that the small moments that carve gaps of misunderstanding between Americans lead to big, national moments of misunderstanding, like...
Say what? Half the world's languages will vanish by the end of the century
There are over 6,000 languages spoken around the world today. But by the end of this century, fewer than half of them will remain. That's...
Poet Lawrence Ferlinghetti laments a changing San Francisco
Ninety-six-year-old Lawrence Ferlinghetti settled in San Francisco in the 1950s, where he opened the City Lights bookshop and publishing house. But today San Francisco is...
Revisiting the Great Migration through paintings and poetry
The Great Migration of 6 million African-Americans from the rural South to the urban North was a shift that reshaped America forever. Artist Jacob Lawrence...
After her husband's sudden death, Elizabeth Alexander writes their love story
In a new memoir, "The Light of the World," Elizabeth Alexander writes of love and catastrophe -- falling in love with the man who would...
Jeffrey Brown translates his reporting life into a new book of poetry
NewsHour audiences know Jeffrey Brown for his reporting on breaking news, as well as on books, culture and poetry. Now he's the author of his...
From the fields to the Library of Congress, Juan Felipe Herrera took a winding path to poetry
Juan Felipe Herrera is the author of more than 20 books of poetry, novels for young adults and collections for children, most recently "Portraits of...
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For MacArthur fellow Ellen Bryant Voigt, nature has always served as an inspiration for her poetry. She speaks about her love for natural beauty and...
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Frank Espada was a man of many vocations: artist, photographer, community organizer, civil rights activist and father. As a Puerto Rican immigrant in 1960s America,...


text:
Nov. 9, 2012
Recap | Final Stats | Photo Gallery
Postgame Notes: Nov. 9, 2012 vs. Montana
- Final Score: Colorado State 72, Montana 65
- Attendance: 5,833
- First-half starting five:
o Colorado State: Dorian Green, Wes Eikmeier, Pierce Hornung, Greg Smith and Colton Iverson.
o Montana: Keron DeShields, Kareem Jamar, Jordan Gregory, Mathias Ward and Eric Hutchison.
- Second-half starting five:
o Colorado State: Daniel Bejarano for Greg Smith
o Montana: Same
- CSU's Sixth man: Daniel Bejarano
- Largest scoring runs:
o Colorado State:
§ 8-0 from 19:29 mark (Colton Iverson free-throws) to 17:00 mark (Daniel Bejarano jumper) of the second half.
§ 8-0 from 8:42 mark (Colton Iverson three-point play) to 7:22 mark (Wes Eikmeier free-thows) of the second half.
o Montana:
§ 9-0 from 7:01 mark (Eric Hutchison free-throws) to 3:16 mark (Jordan Gregory free-throws).
- Largest leads:
o Colorado State: +8 at 5:46 mark of second half (Greg Smith free-throws).
o Montana: +10 at 1:33 mark (Jordan Gregory layup).
- Statistical leaders:
o Colorado State
§ Points: Colton Iverson (18)
§ Rebounds: Pierce Hornung (16)
§ Assists: Dorian Green (3)
§ Blocks: None
§ Steals: Five players (1)
o Montana
§ Points: Keron DeShields (17)
§ Rebouds: Kevin Henderson (4)
§ Asissts: Kevin Henderson (3)
§ Blocks: Keron DeShields/Kareem Jamar (1)
§ Steals: Kareem Jamar (2)
Game Notables
- CSU started 0-for-7 from the field. First points came on Colton Iverson free throws at 15:20 mark of the first half.
- Jon Octeus gave CSU its first lead of the game, 11-10, with a short jumper at the 11:44 mark of the first half.
- Colorado State outrebounded Montana 21-10 in the first half, and ended the game with a 44-21 advantage on the boards.
- CSU took the lead for good, 53-50, on a three-point play be Wes Eikmeier at the 7:37 mark of the second half.
- The Rams shot just 28.6 percent (8-for-28) from the field in the first half, and trailed 34-27 at the break. The Rams 37.7 percent (20-for-53) for the game.
- CSU has won 32 home openers in a row, dating back to the 1980-81 season.
- CSU is riding a 14-game home win streak dating back to last season. Entering the game, the streak tied for the ninth longest nationally.
- CSU's 14-game home win streak ties for the longest in the history of Moby Arena. The Rams also won 14 straight games in 1989-90 and between the 2001-02 and 2002-03 seasons.
- Larry Eustachy is now 20-2 in season openers for his career.
- CSU head coaches are now 14-5 in their debuts as head coach of the Rams.
- Five different Rams scored in double figures (Iverson, Bejarano, G. Smith, Green, Eikmeier)
- The Rams outrebounded the Grizzlies 44-21 and 19-2 on the offensive end. This was the offensive rebounding total for the Rams since March 15, 2011 when the Rams pulled down 20 offensive boards against Fairfield in the NIT.
- Colorado State committed only nine turnovers, including just two in the second half.
- CSU had 17 second-chance points, while Montana failed to record any second-chance points.
Individual Stat Notables
- Double-digit scorers
o Colorado State
§ Colton Iverson (18) – CSU is 1-0 all-time when Iverson scores 10+ points.
§ Daniel Bejarano (12) – CSU is 1-0 all-time when Bejarano scores 10+ points.
§ Greg Smith (11) – CSU is 20-9 all-time when Smith scores 10+ points.
§ Dorian Green (11) – CSU is 29-22 all-time when Smith scores 10+ points.
§ Wes Eikmeier (10) – CSU is 24-14 all-time when Eikmeier scores 10+ points.
o Montana
§ Keron DeShields (17)
§ Jordan Gregory (10)
- Double-digit rebounds
o Colorado State
§ Pierce Hornung (16) – CSU is 13-2 all-time when Hornung records 10+ rebounds.
Career highs
o 12 points
o 6 rebounds
o 2 assists
o 1 steal (tie)
- Jon Octues
o 2 points
o 1 rebound
- Gerson Santo
o 4 points
o 1 rebound
Download Schedules: Add to calendar
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Omogbo earns invitation to Portsmouth...
Senior forward was one of 64 invited to the first NBA pre-draft camp of the year
Clavell named Associated Press All-America...
The senior guard becomes the fourth CSU player ever honored as an All-American, joining Bill...
Eustachy named NABC District Coach of the Year;...
Head Coach Larry Eustachy picks up his third award this year, while Gian Clavell and Emmanuel...
Recap: CSU ends its season with an 81-63 loss...
Rams unable to recover in the game as the Roadrunners advance in the postseason
Preview: CSU continues postseason play hosting ...
Rams and Roadrunners will do battle at Moby Arena on Monday night at 9:15 pm
Recap: CSU earns First Round NIT victory over...
Rams pick up their 11th postseason victory in program history in win over Cougars
Preview: CSU opens play in 2017 NIT hosting...
The No. 4 seed Rams take on the No. 5 Cougars in Moby Arena, tipping at 7 pm MT
Gameday Central for Monday's NIT Game Against...
Get all the key information for attending Tuesday night's first round game, tipping at Moby Arena...
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text:
Eight years later, a tribunal of the accountancy profession's joint disciplinary scheme (JDS) fined Coopers & Lybrand, auditor of several Maxwell companies, £1.2 million plus £2.1 million costs. The firm was also heavily censured for its "incompetence", "lack of independent judgment" and "a lack of robust implementation" of audit procedures.
Coopers accountants John Cowling, Stephen Wootten, Ian Steere and Nicholas Parker were also admonished, fined or ordered to pay costs. Michael Stoney, the former deputy managing director (finance) of MGN, was heavily censured and excluded from membership of the profession, but he is known to have worked since.
BCCI: The Bank of Credit and Commerce International collapsed in 1991. Thousands mainly Asian investors lost some £800million in the crash, one of the biggest frauds in banking history, when corrupt managers illegally siphoned off funds.
An initial investigation into the BCCI auditors, accountancy firm Price Waterhouse, was halted by the Court of Appeal in 1993 because of pending litigation by the bank's liquidators against its management. The court case was settled in 1999 and a fresh JDS investigation is now under way - 11 years after the scandal.
POLLY PECK: The fruits, packaging and electronics conglomerate was an Eighties wonder stock led by flamboyant Turkish Cypriot entrepreneur Asil Nadir. The company collapsed in 1990 with £700million of shareholders' money missing. Nadir fled Britain and still lives in Northern Cyprus. The company's UK accountants Stoy Hayward were investigated by the JDS and fined £75,000 plus £250,000 costs.
In May 1998, a JDS tribunal excluded Polly Peck's former group chief accountant John Turner from membership of the Institute of Chartered Accountants, saying his failure to question what he was told by Nadir amounted to "clapping the glass to his sightless eye".
Investigations into the three partners at another Polly Peck auditor Erdal & Co are ongoing.
BARINGS: Britain's oldest merchant bank collapsed in 1995 after debts of more than £800million were racked up by "rogue trader" Nick Leeson. Barings's London auditor, accountants Coopers & Lybrand, and one of its partners, Gareth Davies, were investigated by the JDS and heavily criticised. Coopers & Lybrand were fined £1million and given a severe reprimand. Davies was fined £65,000 and also severely reprimanded. The fines were reduced on appeal to £250,000 and £25,000 respectively.
VERSAILLES GROUP: Versailles, a money-lending firm, collapsed in December 1999 amid claims of fraud and false accounting. Former lead auditor Thomas Dales, a founding partner of accountancy firm Nunn Hayward, is facing two complaints being investigated by the JDS. It is claimed he breached the accountancy profession's code of ethics and failed to carry out his work "with due skill, care and diligence".
- More about:
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text:
*From the University of California, San Francisco, Cardiovascular Research Institute, San Francisco, CA.
Correspondence to: Michael A. Matthay, MD, FCCP, Cardiovascular Research Institute, 505 Parnassus Ave, HSW-825, San Francisco, CA 94143-0130; e-mail: firstname.lastname@example.com
laboratory has reported previously that endogenous and exogenous
β-adrenergic agonist stimulation can upregulate the rate of alveolar
liquid clearance in several species, including sheep, dogs, rats, and
mice as well as in the ex vivo human lung.1–3
Recently, we have also investigated catecholamine-independent
mechanisms that can upregulate vectorial sodium and fluid transport
across the alveolar epithelium.4–6 Other investigators
have also investigated catecholamine-dependent and independent
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Holiday Cards, Scholarship Cards, and Events Checkout →View Cart
One Voice has gift cards ($35 per card) available that you can give as presents to your friends, family and business associates. In their name, each card provides one low income family within our community with a basket of food for Christmas. These cards make wonderful personal or corporate gifts that will share the meaning of the holidays by helping a family in need.
One Voice has Scholars Program gift cards ($50 per card) available that help low income high school students realize their dreams of attending first-rate colleges.


text:
by Simon Shorvon
Epilepsy is a common condition, and approximately 3% of the general population will experience a seizure at some point in their lives. Part of the Oxford Neurology Library, this pocketbook is intended to serve as a practical guide for the busy clinician and to summarize, in a clear and concise manner, the clinical presentations, differential diagnosis and investigations and management of this condition, in children and adults. The treatment of epilepsy has been much improved in recent years by the introduction of many new and effective antiepileptic drugs—and this book places strong emphasis on the principles and practices of antiepileptic drug treatment. This book will serve as a useful quick reference to all clinicians who treat patients with epilepsy.
This book is in NVA format. Download NVA Reader here!


text:
Group Booking Terms and Conditions
Because you are making a Group Booking, there are additional Terms and Conditions that apply. Please read them and click 'I Accept' below to continue with your booking
General Group Booking Terms
By making a group reservation through Hostelworld.com you agree to the following terms and conditions as set by Hostelworld.com and as set by the hostel in question.
- In order to make a group reservation on Hostelworld.com it is necessary to pay a deposit. The balance is due directly to the hostel according to their payment conditions.
- The booking deposit is non-refundable.
- Please note that any cancellations must be notified directly to the hostel at least 24 hours in advance of your scheduled arrival date, unless otherwise stated in the hostel's conditions.
- Hostelworld.com are not responsible for changes or amendments to your reservation once it has been processed. All correspondence with regard to changes to your booking need to be dealt with directly with the hostel.
- Cancellations for reservations must be made directly with the hostel and must conform with the individual hostels cancellation policy (see below)
- It is your responsibility to pay the balance of your accommodation cost to the hostel in accordance with their payment conditions (see below). Failure to do so may result in your reservation being cancelled by the hostel.
- Individual hostels may have special booking conditions relating to group stays, please read the hostel booking conditions carefully before making your reservation.
Hostel Specific Terms & Conditions
The remainder of the amount due will be charged to your credit card ???? Should numbers or room selection change, the per person deposit times the number of people who actually travelled will be deducted from the total accommodation charge levvied by the hostel.
The following group types are not accepted by this hostel: Holiday with Friends, Junior / Primary School, High / Secondary School, College / University, Business Trip, Stag/Hen/Bachelor Party, Sports Group, Cultural Group If you have misrepresented the type of group you are booking for, your booking may be cancelled by the hostel.
Any cancellations resulting from agreement to these terms and conditions under false pretences will result in loss of deposit.
Tutarlı bir şekilde yüksek müşteri puanları ve üstün kalite notlarıyla beğenimizi kazandı.
Hostelworld diyor kiÇeviren Daha az göster Daha fazlasını göster
özellik Açıklama
Son Değerlendirme
" Very new, clean and modern hostel. Breakfast is amazing (you get toast, different jams, Cornflakes, coffee, tea, chocolate, nuggets, sausage, salad and egg) and they have some snacks all day long for free. Location is perfect, directly next to Khaosan (2 Minute walk) but not on the loud Khaosan Rd. If you're looking for a great place to stay come here - if you're looking for a party hostel - don't. Only thing missing is the "Backpacker vibe" but still lots of cool people in there! "- anonim
Hostelworld Mobil Uygulamaları
Yeni Hostelworld mobil uygulamalarıyla hareket halindeyken rezervasyon yapın.


text:
ED Magedson – Founder
Ripoff Report
Amerigroup Mortage Corportation6090 Central Avenue Saint Petersberg, Florida United States of America
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
SPECIAL UPDATE: August 18 2012: Mortgage Investors Corporation remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. Mortgage Investors Corporation is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.
To date, Mortgage Investors Corporation has made good faith efforts to resolve all complaints reported on Rip-off Report. Based on our experience, the member business has proven to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business.
Over time and since becoming a member, Mortgage Investors Corporation has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever Mortgage Investors Corporation remains committed to improving customer satisfaction.
Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.
Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!
*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at firstname.lastname@example.com
Amerigroup Mortage Corportation, Division Of Mortgage Investors Corporation misleading, intimidating, high pressure Dallas Texas
I got a solitation notice in the mail for a "VA Mortgage Payment Reduction Program" with phone number 1-866-747-6504. I called to find out details about what the current rates were and to get a good faith estimate. They said they could not give me any information on the phone and that they would send a loan officer to my home. I said I prefer to give them all my information as to my current loan balance, insurance, taxes and get a good faith estimate. Then if I am interested, I can meet with a loan officer.
This report was posted on Ripoff Report on 04/28/2009 03:01 PM and is a permanent record located here: http://www.ripoffreport.com/reports/amerigroup-mortage-corportation/saint-petersberg-florida-33707/mortgage-investors-corporation-review-scam-complaints-review-mortgage-investors-corpora-447230. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 UPDATE Employee
SUBMITTED: Saturday, December 18, 2010POSTED: Saturday, December 18, 2010
Mortgage Investors uses sale tactics, yes. They call a lot, yes. Are they a scam? No. This corporation is legitimate; as is the Streamline Refinance Program. Just because it doesn't help some people does not rule it out as an option for our Military Veterans. It disheartens me that some Military Veterans would rather risk losing their home, incurring bad credit amongst other things before they even take a look at what is available to them. Mortgage Investors ultimate goal is to put the Veterans & Active Duty Military Members in a better financial situation than they are currently in. All we ask is an opportunity to show you what we can do for you. If you don't find a benefit we understand that, but please don't ruin the chance for others to save money by venting on the internet, running others down for the sake of whatever animosity you have towards our mortgage company. I stopped watching the news recently due to an abundance of negativity. I don't believe everything I see, everything I read nor everything I hear. I just wish that our vets & active duty could use their own judgement to determine whether or not our program is right for them, not the judgement of others. If I let others determine my opportunities I probably wouldn't work & still live at home. Does this make sense? If not I would love to elaborate a bit more. Thank you for reading & have a Merry Christmas!
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#2 Consumer Comment
SUBMITTED: Friday, December 03, 2010POSTED: Friday, December 03, 2010
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#3 Consumer Comment
SUBMITTED: Friday, September 24, 2010POSTED: Friday, September 24, 2010
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#4 Consumer Comment
SUBMITTED: Thursday, August 12, 2010POSTED: Thursday, August 12, 2010
I recieved a phone call from Mortgage investors corp today. I never heard of them but after checking found they are a division of Amerigroup. They too tried to make a appointment to come to our home. The lady on the phone she said her name was Susan would not answer any of my questions. I mean none!!! red flag. She would only say we work off of your current loan papers??? Well how could that be ? This company has nothing to do with the title on this house so in my opinion they are probably con artist like most brokers in today's market. Do u self a favor and check these so called investors out. I started with the BB ORG and then consumers affairs. I found more negative then good on this company. Thank you Alwayshonest in Garland, Texas for ur comment.
Honestaswell el mirage,arizona
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#5 General Comment
SUBMITTED: Friday, July 23, 2010POSTED: Friday, July 23, 2010
To those who say that the program offered through Amerigroup/MIC has been approved by the VA so it must be good for Vets:
The program is approved by the VA is the Interest Rate Retuction Loan (IRRL) - one of two different refinancing options approved by the VA. This program merely allows veterans to refinance an existing loan at a lower interest rate without using up additional VA eligibility.
A veteran can take out multiple VA loans .. up to a certain total amount. A refincance loan is considered a new loan. If you already have multiple pieces of property using up your eligibility or the original loan amount and the refinance amount total more that your eligibilty you would not be able to refinance without this program. Example: Total eligibilty - 100k. Original Loan - 60k. Current/refinance balance - 55k. Withouth IRR, you can't refinance because you only have 40k of eligibility left.
HOWEVER, while the VA has approved the program .. they have nothing to do with setting the terms of the loans. I.e. - an IRRL can come as a fixed, ARM, or "hybrid" loan. The only requirement is that at the start of the loan the interest rate be lower than your existing interest rate. This does not mean that an IRRL will categorically benefit a Veteran. If it is an ARM or hybrid loan that will lower the interest rate for a short time, but will end up increasing in 5 years (and increasing the payment along with it) ... then in the long run and IRRL could hurt a Veteran and run them into a foreclosure.
Bottom line, figure out the maximum payment you can afford and make sure that 7 years from now after the interest rate has gone up to 7.5% and your payment has increased by over $300 per month that you will still be able to afford it. Because, that's what will happen if you have a 200k mortgate and the interest rate starts going up by 1% a year in three years. 7 years from now you will still have over 170k on the mortgage and your interest rate will have doubled. Sure paying double the iterest rate on half the original balance sounds great, but on a 30 year mortgage it takes 19 years to pay half the original loan... no matter what the interest rate is. (if you don't believe me there are many mortage calcuators online that can give you a break down of each month's payment and how much interest and principle is paid and see for your self how the numbers break down.) And believe me, you can very easily reach your 8.5% cap long before 19 years rolls around.
I've got an appointment with Amerigroup on Wed, but they're probably not going to like my terms ...
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#6 General Comment
SUBMITTED: Monday, March 22, 2010POSTED: Monday, March 22, 2010
It's very clear that those who take the time to get on here and vent, don't understand the va program and want someone to blame because they hating banks. Listen, I hate banks too, however, the VA is in charge here and won't let anything bad happen to the veteran and the VA is the one actually offering the program NOT MIC. MIC just loans you the money on the program, so there is no need to vent on them.
Yes, we had a rep come out to the house, and no, he couldn't possible give me everything we needed to know in 15 minutes. I'm a big girl, I understand that, but if they say 2 hours on the phone, no one would set an appointment. If they said adjustable on the phone, no one would set an appointment, and if they said "we require a good faith deposit" (which is returned) then no one would set an appointment.
He sat down and begin to work the numbers for us. We were jolted when the word "adjustable" was used, however, he immediately said that reaction is normal but please here him out. We'll, he had already driven to our house and we had made the appointment, so we went ahead and listened because I know how to say NO. He made it clear that this was a VA pogram and since the VA was already guarenteeing the loan that the VA wouldn't have another program that would hurt us. That made sense.
So we listened. We understood the CAPS that the VA put in place, no more than 1 up or 1 down for a total of 5 max, but the beauty of this program was that the rate was only calulated on the existing balance, not the original loan amount. There is not another loan on the market that gives you that opportunity. Fixed Rates always want payments from the original loan amount reguardless of what your balance is. For example, if you have a $200,000 mortgage with a 5% Fixed payment of $1400, that will be your payment when you pay it down to $100,000 too and $50,000, and $10,000. The VA is very creative to offer this benefit to veterans. And they protect us from rates going out of control. I would much rather pay 7% on a $100,000 balance than a 5% based on $200,000.
This was created by the VA and submitted to Congress. Congress approved it for all veterans and rolled it out. It's not available to anyone who hasn't been in the service.
If people can't understand that basic concept and want to get on here to rant and rave, then that's their own short comings. MIC is doing a service to veterans by being the only bank I know that is offering this program. I'm sure other banks have it but don't want to offer it because their isn't as much money to be made on this loan than a fixed rate. They'd rather get that same payment reguardless of what your balance is, so why would they offer a loan that let's you pay on what you actually owe?
So you need to understand that this program is offered by the VA not MIC, they are just loaning us the money so we can have the benefit of this program.
People rarely get on the internet to praise people because that's boring and no fun, but when they are angry and upset, they have no problems getting on here and ranting and raving. Take it with a grain of salt because not one of these people are customers of MIC and NONE of them accepted the VA's program, so they are stuck making the same payment based on their original loan amount and when they look at their paperwork that shows what they will end up paying back, that should raise some eyebrows about the loan they chose to stay on.
And I'm glad they sent someone out to my house because I feel that's how business should be done. Someone (an actual body versus a voice on a phone) to sit down and break in down for us. How many banks do that? None that I know of. That shows professionalism and that they care enough to explain the program. Why ask for a deposit? Well, I don't care, as long as you give it back (which they did). I'm sure it cost them money to get my loan fom A-Z so if a deposit was required to save me around $100,000 in interest, then so be it. It was returned just as promised.
Understand that everyone who gets on here to say bad things about any company, not just MIC, are disgruntialed and feel they have been mislead. Sure, I felt misled too when the word adjustable came out, but had I not taken the time to have a rep come out, I would have never know about this VA program and I would have continued to over pay for my house. Got a mortgage for $200,000 on a 5% Fixed and after all payments made, would have paid back more than $430,000. (that fixed rate doesn't look so good now). With the new VA 3/1 hybrid, I may pay around $330,000 back, so I thank MIC for taking the time to explain the VA's program to me and oh, I benefitted $5900 upfront to get started, so you can NOT go wrong with this program. The VA won't allow it.
I just hate reading negative after negative things about MIC when it's the VA offering it to us. So thank you Bill Edwards and MIC and VA for allowing us to pay back alot less on our home than we originally agreed to on the Fixed Rate program.
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#7 UPDATE EX-employee responds
SUBMITTED: Friday, February 26, 2010POSTED: Friday, February 26, 2010
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#8 Consumer Comment
SUBMITTED: Friday, February 19, 2010POSTED: Friday, February 19, 2010
I would stop short of calling anyone stupid for not checking up on something as important as refinancing a mortgage. In fact, I'd think you foolish if you didn't.
When the loan officer came to my home to go over what AMC (MCI) could do for us, I too was a bit skeptical after all was said and done. I asked if he wouldn't mind if I checked the Internet for more information before he left. He not only agreed, but helped me find all the negative comments here in Ripoff.com. He pointed out that all negative accusations were geared around the loans not being assumable and that the rates were adjustable and not fixed. He asked if I thought he had misled me on any of those issues. He had indeed been up front about all the issues brought up by Ripoff complaints.
A fixed rate is by far a better deal than an adjustable rate unless you can't get a lower fixed rate. There is no guarantee out there that rates won't eventually top 15% like they did in the Carter years. The AMC deal is better than most adjustable rates in that it will never go above 8.5%. Plus, you are locked into 3.5% your first three years. Then, it can only jump 1% maximum each year, no matter how high the FED raises the rate. The smartest thing to do with this deal is to not pay the minimum payment each month but to continue with the same payments you have already gotten used to. That way, you will pay your principle down greatly during the first three years while the rate is so low. You would be smarter to double up on payments during that time if you can afford it. Think about it.... It will take a total of nine years before you ever reach the ceiling of 8.5% under the worst FED conditions. You could almost pay your mortgage off by that time and would have saved a small fortune in interest.
MIC was required to appear before the Federal Trade Commission (FTC) last year to answer complaints that they were misleading customers. When the banking debacle happened, many claimed they couldn't pay their loans after their adjustable interest rates went up. Some claimed they were misled and that MIC did not do a good job of explaining adjustable rate financing. None of MCI's critics could produce one shred of paper saying they had a fixed rate deal. In bold letters on all closing papers submitted were the words, "VA LOANS ARE NOT ASSUMABLE". And, every customer had signed the affidavit explaining the minimum and maximum terms of the loan.
My wife and I researched all this in detail for a week before making the deal with AMC. We even hired an attorney to check up on them and that's where we found about the FTC investigation. We recently closed on the refinance and have already received our earnest monty back as promised. Our first payment isn't due until two months from now. There were no surprises at closing. The $11,500 in closing costs was a bit steep; however, it was only $900 more than my last refinancing with CHASE on a fixed rate loan.
The deal offered through AMC (MCI) is no scam. You just have to decide if you want an adjustable mortgage rate or stay with a fixed one. They will not mislead you, but will do their best to sell you what they have available. It is no different than buying a car. It is the salesperson's job to move the product and yours to ask the right questions.
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#9 REBUTTAL Owner of company
SUBMITTED: Saturday, December 05, 2009POSTED: Saturday, December 05, 2009
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When Kolm Meets Mirrless: ELIE
This article discusses the properties of Kolm's ELIE proposal in the Context of optimal income taxation "à la Mirrlees". It first shows that ELIE gives rise to non-standard type-dependent budget sets, which has important implications in terms of a minimum labour requirement. Second, it adopts the Mirrleesian framework to characterize ELIE as a first-best tax scheme and casts light on the very specific shape of the distribution of social weights that generate it. Third, it shows that ELIE is incentive compatible only when both gross income and time worked are verifiable, which seems to be a strong assumption for a non-negligible number of taxpayers.
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|27 pages
|Date of creation:
|Nov 2008
|Date of revision:
|Aug 2008
|Contact details of provider:
| Postal: 2, rue de la Charité 13002 Marseille
Phone: 04.91.14.07.70
Fax: 04.91.90.02.27
Web page: http://www.idep-fr.org/
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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Frank A. Cowell, 1990. "Cheating the Government: The Economics of Evasion," MIT Press Books, The MIT Press, edition 1, volume 1, number 0262532484.
- Dasgupta, Partha & Hammond, Peter, 1980. "Fully progressive taxation," Journal of Public Economics, Elsevier, vol. 13(2), pages 141-154, April.
- Mirrlees, James A, 1997.
"Information and Incentives: The Economics of Carrots and Sticks,"
Economic Journal,
Royal Economic Society, vol. 107(444), pages 1311-1329, September.
- Mirrlees, James A., 1996. "Information and Incentives: The Economics of Carrots and Sticks," Nobel Prize in Economics documents 1996-1, Nobel Prize Committee.
- J. A. Mirrlees, 1971. "An Exploration in the Theory of Optimum Income Taxation," Review of Economic Studies, Oxford University Press, vol. 38(2), pages 175-208. Full references (including those not matched with items on IDEAS)
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|Property type
|Minimum Stay
|4 nights
Tierneevin, Gort, Co Galway, Ireland
Shawe-Taylor's Old School House is a wonderful place for golf, walking and relaxation. The name Tierneevin is an Irish word meaning 'A Beautiful Place', so the name speaks for itself. This is a most luxurious building and we are very proud of the finish provided. We are certain that our discerning guests will enjoy holidaying in this beautiful part of Ireland. Charming period school house (ca. 1820), recently restored to its original splendour. Eco friendly interior finished with breathable products such as lime mortar on walls, pitch pine and traditional flag on floors. Insulated throughout, the schoolhouse has a high energy rating. With its cathedral style ceilings, wooden beams and a mezzanine/balcony bedroom, it is beautifully presented with antique furniture throughout, adding enormous warmth and character. This is a wonderful place to get away from all the stress in an area of outstanding natural beauty and geology.
Ideally suited for a golfing and/or walking holiday. Gort Golf club is literally on your doorstep with very reasonable rates available, and an excellent clubhouse and restaurant. This superb 18 hole Championship Golf Course is set on 160 acres of picturesque parkland, overlooking the Burren and the Clare Hills. The Golf Course was designed by the 1989 Ryder Cup hero Christy O'Connor. It consists of four outstanding par-3's, a testing par-5 ninth and a terrific par-4, carved through by Burren stone and natural waterways. From the property you can take a delightful 3 mile circular walk, which runs through the Burren landscape. The scenery, birds and wildlife, botany, geology and archaeology - all can be enjoyed on this short walk. Also close by is Kilmacduagh Monastery with several churches and a round tower. The Monastery was established in the 7th century by Saint Colman Mac Duagh, hence the name Kilmacduagh (the church of the son of Duac). Kinvara and Ballyvaughan are nearby fishing and farming villages both on the edge of Galway Bay. For shopping there is Galway City and Ennis, both only 20 minutes' drive from the property. There are many fine restaurants close by in Gort and Kinvara.
Keywords: Old School House self catering home a wonderful place for golf, walking and relaxation
My name is John Casey my occupation is Auctioneer & Estate Agent. I have been in the property business for over 25 years. I am married to Brid and we have 3 grown up sons. Together we successfully ran a farm guesthouse for 20 years and we certainly know how to look after guests. I love my leisure time, a keen golfer I play in two wonderful golf courses Lahinch and Gort. Walking is another one of our pleasures sometimes we organize walks in the beautiful Burren countryside. We love music and singing and sometimes organise singing nights in our local pub. We are nearing retirement age and hope to spend much time with my guests.
The Owner purchased this house in 2008
We fell in love with this beautiful old cut stone schoolhouse two years ago and personally renovated it ourselves to a very high standard, retaining all of its traditional features. It is a building steeped in history. It was first a schoolhouse in 1840 with the principal being a Captain Shawe-Taylor, the owner of the property. It closed after a number of year and then it was a soup house during the Famine. The area surrounding this property is wonderful countryside. The four big attractions would be: Gort Golf Club, Kilmacduagh Monastery, which was founded in the 7th century and plundered in the 13th century, Coole Park, the former home of Lady Gregory, and the Burren countryside, as well as the beautiful harbour villages of Ballyvaughan and Kinvara.
This is a wonderful place to relax, so bright and the sun shines in every window. It is fantastic place to read and unwind. There is always something to keep you occupied: golf, walking, shopping, beaches - all of life's pleasures are on your doorstep.
The house was ideal as a base for my husband and two daughters and I to explore counties Galway and Clare. The Burren is a hidden treasure, and Galway is one of our favorite places to visit in Ireland. We loved Innis Oirr and Doolin, and the drive there from the house is spectacular.
The property has so much character...restored to a wonderful open air but cabiney feel home with all of the conveniences you just cannot get in a hotel or B&B. Loved wakening each morning to the donkeys braying for carrots :), and a light and airy home to have coffee in while planning the day.
John was a terrific host, leading up to our arrival, and then most accommodating when we arrived later than planned. He stopped to give a tour and familiarize us w/ the mechanics of the house soon after our arrival. Irish hospitality at its finest.
This was our first VRBO rental and we were pleased that we tried it.
Thanks, John.
The most beautiful house to stay in, in a stunning part of Ireland. We loved everything about the house. Beautifully furnished, well equipped, really comfortable beds. The hosts couldn't have been more helpful - staying up until 11.30 at night to await our very late arrival. We had 3 adults and 2 children in our party and there was so much space.
We were completely blessed with the hottest and sunniest week in Ireland so we didn't get to use the cosy fire in the house but instead took advantage of the lovely courtyard and stone table.
A great location to explore this beautiful part of Ireland - we did lots of water based activity and cycling as it was fantastic weather.
And the kids loved helping John and Brid to get their mum and baby cow from the field into the trailer.
A complete gem of a house and one we would highly recommend to anyone visiting.
We were 4 adults and a little dog. There are more than enough place for us.
The whole house is furnished as you're in the antique shop. It is kind of been sent back in time to grandparents' house. And, really, sitting in a front of fire place, drinking morning coffee surrounded with antique furniture, looking through the windows to the green fields with lots of black and white sheep lazy moving around, seems that you would not be surprised if you see Charles Ingalls from Little House On The Prairie passed the house riding his horse. Really great atmosphere in and around the house.
Location? Great! We travel with a car, and the house is very central placed to drive to our points of interest. Cliffs of Moher (of course) Burren Centre, Klifenora Cathedral, Aillwee Cave and Birds of Prey, Corcomroe Abbey, Caherconnell Sheepdog Demonstrations, Killarney National Park, Ring Of Kerry (of course, of course)… are some of the places we have had on our list. Organize your sightseeing places according to area where they are placed and you can really make good use of house placement to visit lots of them.
And at last, but not least – the hosts. You will not notice or see them because they are not living at same place. BUT, believe me, if you need them, Brid and John will do anything to assist you. Wonderful people! Great people. In this time of moneygrubbing where the profit is a God it is touching hearts to experience people like Brid and John.
Brid and John, thank you very much for helping us to manage that week when our son was admitted to hospital.
Another set of happy customers! There's not much for us to add to all the other very positve reviews about this cottage. We too are full of praise for this beautiful property which welcomed us into a 'home from home' environment. The cottage itself is decorated to a high standard and the kitchen is very well equipped. The location is idyllic and we loved looking out the window to the donkeys. Thank you John and Brid.
Cannot say enough about our wonderful hosts and this special property. This is more a home than a holiday rental and stay was really memorable. Personal introductions and friendly advice only add to the superb quality of the school house itself. Large but cozy in the Autumn chill and very well appointed with everything you need. It is perfectly located to give you access to everything from shopping to major and less well known attractions in the region, and beyond.
Just got back from a wonderful stay at this gorgeous house in Gort. It was everything and more the description stated. The location was very central to seeing the sights of the region. The house was immaculate and beautiful. Everything that you could need while there was provided. The donkeys out back were a real hit with my two boys and Mum. They added a real country feel to the vacation. Mr. Casey could not have been
nicer or more helpful. I felt I could have contacted him for anything and he would have helped. Luckily there was no need b/c all was so well taken care of. Can not recommend this house enough! Truly a wonderful experience!
|Rate Period
|Weekend Night
|Monthly *
Apr 1 2017 - May 31 2017
4 night minimum stay
Jun 1 2017 - Aug 31 2017
4 night minimum stay
Sep 1 2017 - Sep 30 2017
4 night minimum stay
Oct 1 2017 - Dec 31 2017
4 night minimum stay
My Standard Rate
4 night minimum stay
* Approximate monthly rate. Actual rate will depend on the days of the month you stay.


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Celebrating the festival of lights
To mark Diwali and Bandi Chhorr Divas the Swinburne Punjabi Club hosted Diwali Mela 2010 at the university.
The celebration featured a fire and lights show, Desilicious Djs, live Dhol performance and other cultural dance and music performances, Indian food and henna tattooing.
Punjabi Club president Preet Sagar Singh Sanghera said cultural events such as this seek to promote diversity and cultural understanding among different communities living in Melbourne.
"The Punjabi Club not only represents Punjabi culture, which is an integral part of Indian society, but also promotes all Indian traditions to bring people together from many different backgrounds,"
"Since the club was formed in 2007, we have provided international and Australian students with a place to socialise and exchange ideas outside of work and study and at the same time, bridge any cultural gaps."
Diwali, known as the 'festival of lights', is one of the biggest Indian celebrations and signifies the victory of good over evil. The festival runs for five days, where the third day is celebrated as the main Diwali festival. This year, Diwali will be held on 5 November.
Bandi Chorh Diwas takes place on the same day as Diwali and recognises the day that Guru Hargobind Sahib Ji was released with 52 kings from Gwalior Prison. When he reached Amritsar in India, the people lit up the city with thousands of lights and lamps.
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The Donkey aka the Equus asinus aka the Ass, has always been looked down upon.
Merely because of the fact, that it is hard-working, good tempered and loyal.
Therefore is widely known as a slave animal.
The 2 WORKING DONKEYS is a project made up by 2 working donkeys (go figure!)
Donkey 1 has spent most of his adult life working with Ass music(Music for asses... well...DONKEY MUSIC!) spinning records on Ass clubs for other Asses... making them shake their...well you know.
Donkey 2 has been more of a Hermit ,spending most of his waking hours in the Studio,cooking up everything from electronica to music for computer-games (not for Donkey Kong though)
At some point Donkey 1 ran into Donkey 2 at a social Donkey function, and the 2 newfound friends set out to spread the gospel of the Jackasses.
The gospel of the Jackasses consists of deep minimal Techno & House, spiced up with layer upon layers of quirky sounds...
2 Working Donkeys has been hoofing all across Europe over the last 7 years under other aliases, but are now ready to let the world know them for who they really are...2 WORKING DONKEYS..no more...no less...HEE HAWW!!!
PS: Donkeys have larger ears than horses!!!


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Скачать "Janusz Korczak's Children" by Gloria Spielman, with ill. Matthew Archambault бесплатно
25 августа 2009 | Автор: Admin | Рубрика: Художественные книги » Мемуары. Биографии | Комментариев: 0
"Janusz Korczak's Children" by Gloria Spielman, with ill. Matthew Archambault
Kar-Ben Publishing | 2007 | ISBN: 1580132553 | 42 pages | PDF | 5 Mb
Janusz Korczak was a champion of children, dedicating his life for them and, in the end, comforting them at the death camp Treblinka. Because this is a book geared toward younger readers, it treats Dr. Korczak's final years with sensitivity. Moreover, Ms. Spielman devotes most of the book to Janusz Korczak's boyhood and his running his orphanage at 92 Krochmalna Street in Warsaw, Poland. Throughout the book, the kind Doctor is portrayed as the caring, sensitive man he was and how he served the children nobody else wanted.


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Saturday, October 7, 2017 at 08:00 AM
In consideration of being allowed to participate in any way in this particular competition, race, related events and/or activities (collectively, the "Event"), I, the undersigned, acknowledge, covenant and agree that:
1. Risks Associated With The Event. The risk of injury and/or death from the activities involved in the Event is significant including, but not limited to, the following: (i) drowning; (ii) near-drowning; (iii) sprains; (iv) strains; (v) fractures; (vi) heat and cold injuries; (vii) over-use syndrome; (viii) injuries involving vehicles; (ix) animal bites and/or stings; (x) contact with poisonous plants; (xi) accidents involving, but not limited to paddling, climbing, biking, hiking, skiing, snow shoeing, travel by boat, truck, car, or other convenience;(xii) heart attack and (xiii) the potential for permanent paralysis and/or death. While particular rules, equipment, and personal discipline may reduce this risk, the risk of death or serious injury nevertheless exists. Furthermore, I know that there are natural and man-made obstacles and hazards, surfaces, and environmental conditions and risks, which in combination with my actions or other's actions, can increase the potential for severe or even fatal injury. I also know that there may be traffic on the course route, and assume the risk of running in said traffic.2. Assumption of Risk. I AGREE THAT I HAVE TAKEN AN ACTIVE ROLE IN UNDERSTANDING AND ACCEPTING THE RISKS, CONDITIONS AND HAZARDS ASSOCIATED WITH THE EVENT AND AFTER THE OPPORTUNITY TO FULLY INFORM MYSELF ABOUT THE EVENT, I KNOWINGLY AND FREELY ASSUME AND ACCEPT ALL SUCH RISKS, BOTH KNOWN AND UNKNOWN, AND ASSUME FULL RESPONSIBILITY AND ALL RISKS FOR MY PARTICIPATION IN THE EVENT.3. Significant Hazard. I voluntarily agree to comply with the stated and customary terms and conditions for participation. If, however, I observe any unusual and/or significant hazard during my presence or participation, I will remove myself from participation and bring such hazard to the attention of the nearest official.4. Waiver & Release. I, for myself and on behalf of my heirs, assigns, personal representatives and/or next of kin, forever WAIVE, RELEASE, DISCHARGE and COVENANT NOT TO SUE the organizer of the Event (the "Event Organizer"), Haku App Corporation, Inc. and their officers, directors, representatives, officials, principals, agents and/or employees, subsidiaries, and/or assigns, as well as their independent contractors, sponsoring agencies, sponsors, advertisers, volunteers, and if applicable, owners and lessors of the premises used to conduct the Event (collectively, the "Releasees"), WITH RESPECT TO ANY AND ALL INJURY, DISABILITY, DEATH, and/or loss or damage to person or property, incurred by me in connection with participation in the Event. I further agree to indemnify, defend and hold harmless Releasees from any loss, liability, cost, claim or damages arising from my participation in or association with activities and events organized and sponsored by the Event Organizer or connected with the Event. This release extends to all claims of every kind or nature whatsoever, foreseen or unforeseen, known or unknown.5. Training; Medical Insurance. I attest and verify that, unless otherwise indicated below, I am over 18 years of age, am free from all illnesses, injuries and defects that could interfere with my safe participation in the Event. I further attest that I am physically fit and sufficiently trained to participate in all activities associated with the Event and have not been advised otherwise by a qualified medical person. My participation in the Event is entirely voluntary. I am solely responsible for my safety and health while I train, prepare, condition and/or take any other actions or proactive measures of any kind in preparation for, or in anticipation of, the Event.6. Medical Treatment. I agree to abide by any decision by an Event official relative to my ability to safely complete the Event. I further consent to administration of first aid and/or other medical treatment in the event of injury or illness and hereby release and indemnify Releasees from any and all liability or claims arising out of such treatment. I understand that any and all costs resulting from any medical attention and/or treatment that I receive shall be solely my responsibility and the Releasees shall in no way be liable or responsible for any of these costs.7. Force Majeure; Refunds. The Releasees reserve the right, in their sole and absolute discretion, to postpone, cancel, or modify the event due to weather conditions, Acts of God or other factors beyond the control of the Releasees that might affect the health and/or safety of the participants. I also understand no refunds shall be granted should the Event be postponed, cancelled or otherwise modified.8. Release; No Compensation. I irrevocably grant unlimited permission to Releasees, to use, reproduce, sell and distribute any and all photographs, images, videotapes, motion pictures, recordings, or any other depiction of any kind of me or of my participation in the Event or related activity for any legitimate purpose in perpetuity and I understand that I shall not be entitled to any compensation therefore. Furthermore, I hereby irrevocably and absolutely grant permission to the Releasees to film, videotape and record gratis my performance in the Event and subsequently to telecast, sell, distribute and otherwise utilize the same in whatever manner Releasees shall deem appropriate. Such permission shall include granting the unlimited and irrevocable right to Releasees, without compensation of any kind to me, to use, reproduce or broadcast, my name, nickname, image, likeness, voice, photograph, signature facsimile, and biographical information in connection with the Event without compensation of any kind to me. I acknowledge that Releasees and their representatives shall have the unlimited right throughout the world to copyright, use, reuse, publish, republish, broadcast and otherwise distribute depictions of or information about me and all or any portion of the Event in which I may appear on any and all radio, network, cable and local television programs and in any print materials and in any other format or media (including electronic media) now known or hereinafter devised in perpetuity and without compensation to me. In consideration and in return for being allowed to participate in the Event, I release and agree not to sue the Releasees from all present and future claims regarding my participation in the Events that may be made by me, my family, estate heirs, or assigns.9. Minors Under The Age of 18. In the case that the participant of the above Release (the "Participant") is under the age of 18, I hereby certify, warrant and represent that I am the legal parent or guardian of said Participant. Furthermore, after fully informing myself regarding the nature and risks of the Event, I give my permission for Participant to participate in the same. Furthermore, I fully ratify, accept and agree to all of the terms of the above Release both for myself individually and as legal parent or guardian of the Participant.
ALL PARTICIPANTS IN ZOOMA WOMEN'S RACE SERIES ACTIVITIES AND ALL ACTIVITIES AND EVENTS CONDUCTED OR SPONSORED BY CBR ZOOMA JV, LLC, PREMIER SPORTS PRODUCTIONS, LLC, BE INSPIRED EVENTS, INC THEIR AFFILIATES AND THEIR RELATED EVENTS ("EVENT") ARE REQUIRED TO, AND HEREBY DO, ASSUME ALL RISK OF PARTICIPATION IN THE EVENT BY SIGNING THIS GENERAL RELEASE AGREEMENT: The undersigned person ("Participants") on behalf of himself/herself and on behalf of Participant's personal representatives, assigns, heirs, executors, and successors hereby fully and forever release, waives, discharges and covenants not to sue CBR ZOOMA JV, LLC., BE INSPIRED EVENTS, INCS AND its affiliated corporations and charities, municipalities or other government entities, all sponsoring or co-sponsoring companies or individuals related to the Event, together with their officers, directors, shareholders, successors and assigns (collectively, "Releasees") from all liability to the Participant, his/her participating child, and his/her property or resultant death, whether caused by the active or passive negligence of all or any of the Releasees or otherwise, in connection with Participant's participation in the Event. Participant represents and warrants that he/she is in good physical condition and is able to safely participate in the Event. Athlete is fully aware of the risks and hazards inherent in participating in the Event and hereby elects to voluntarily participate, knowing the risks associated with the Event. Participant hereby assumes all risks of loss(es), damage(s), or injury(ies) that may be sustained by him/her while participating in the Event. Participant agrees to the use of his/her name and photograph in broadcasts, newspapers, brochures, and other media without compensation. Participant acknowledges and agrees that CBR ZOOMA JV, LLC, and BE INSPIRED EVENTS, INC in its sole discretion, may disable access to the Event for any reason. Participant agrees and understands that Participant hereby assumes liability and responsibility for any and all medical attention required and expenses incurred as a result of training for and/or participation in the Event, including but not limited to ambulance transport, hospital stays, physician and pharmaceutical goods and services. Participant warrants that all statements made herein are true and correct and understands that Releasees have relied on them in allowing Participant to participate in the Event. PARTICIPANT HAS READ THE FOREGOING AND INTENTIONALLY AND VOLUNTARILY SIGNS
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ATLANTA (AP) Georgia Tech freshman Thaddeus Young entered his name in the NBA draft, but he hasn't hired an agent and could still return to the Yellow Jackets for his another season.
Coach Paul Hewitt said Tuesday that Young submitted his name "primarily to get more detailed information from NBA personnel regarding his status."
"I'm enjoying my experience at Georgia Tech, both with the basketball program and in school," Young said in a statement released by the school. "Right now, my focus is in finishing out this semester and then gathering more information from the NBA people."
Hewitt said that Young and his family did not want to comment beyond the statement because the 6-foot-8 forward is concentrating on final exams, which begin Monday. Afterward, he plans to discuss his situation.
"Per NBA rules, players and their families cannot speak with NBA personnel unless they are entered in the draft," Hewitt said. "Many players have entered the draft as a means to gather information and then returned to school. Right now, Thaddeus is working on finishing this semester, and he intends to take classes this summer."
Young tied for the team lead in scoring this past season with 14.4 points a game. He teamed with another freshman star, point guard Javaris Crittenton, to help the Yellow Jackets to a 20-12 record and a berth in the NCAA tournament. They were knocked out in the first round by UNLV.
Singletary exploring draft optoins
CHARLOTTESVILLE, Va. — All-ACC guard Sean Singletary of Virginia said Tuesday he will declare for the NBA draft but is not planning to hire an agent, giving him the choice of deciding to withdraw his name and return for his senior season.
"I want to continue to consider all of my options and learn as much as I can about the process," the 6-foot junior guard, who maintained repeatedly this season that he would be back for his senior year, said in a news release issued by the school.
Virginia coach Dave Leitao reportedly has encouraged Singletary to keep his options open, and said going through the process would allow him to gain a lot of information.
"Sean and his family want to be sure they've considered and evaluated all of his options," Leitao said. "I understand Sean's interest in learning more about the process and feel this step will enable him to gather a great deal of information."
The deadline for applying for early entry to the June 28 draft is April 29; players who don't hire an agent can withdraw their names up until June 18 and return to school.
A co-captain for the last two seasons, Singletary averaged 19 points, 4.7 assists and 4.6 rebounds this season. He also made 87.2% of his 218 free-throw attempts.
Virginia finished 21-11, shared the ACC regular-season title with North Carolina and reached the NCAA tournament for the first time since 2001, advancing to the second round.
Utah State guard Carroll will enters NBA draft
LOGAN, Utah — Utah State guard Jaycee Carroll will enter the NBA draft but won't hire an agent to retain the right to withdraw by June 18 and return for his senior season.
The 6-foot-2 Carroll, of Evanston, Wyo., averaged 21.3 points per game last season to lead the Western Athletic Conference.
"Our coaching staff understands and supports Jaycee on his decision to explore the NBA," coach Stew Morrill said.
Morrill said unless Carroll is guaranteed to be a first-round pick on June 28, the junior should return to school.
NBA teams will evaluate players May 29-June 4 at a camp in Lake Buena Vista, Fla.
"I think it is important for the development of my game to see how I compare against the best collegiate basketball players in the country," Carroll said in a statement Monday.
WAC reprimands Nevada coach Mark Fox for conduct
RENO — Nevada basketball coach Mark Fox was reprimanded by the Western Athletic Conference on Tuesday for unsportsmanlike conduct with referees during two games in March.
He was spared a fine or suspension by the league.
The more serious of the two incidents involved Fox yelling profanities and appearing ready to use force toward a police officer and game officials after the Wolf Pack lost to Utah State in the WAC tournament on March 9 at Las Cruces, N.M.
New Mexico State University campus police filed a police report but agreed to WAC Commissioner Karl Benson's request at the time to let the league handle an investigation into the matter.
"The WAC has a set of standards by which all coaches, student-athletes and administrators are expected to follow when it comes to exhibiting good sportsmanship," Benson said in a statement Tuesday. "Coach Fox violated those standards."
Fox also issued a statement Tuesday apologizing for his behavior.
"I take full responsibility for my actions that resulted in this and apologize to all those involved," Fox said. "I have renewed my commitment to adhere to the WAC's sportsmanship policies in the future."
Benson was attending a meeting Tuesday on the Bowl Championship Series in New Orleans and was not immediately available for additional comment, WAC spokesman Dave Chaffin said.
Chaffin said he did not know if the league considered fining or suspending Fox for a game. He said the reprimand carried no additional penalties.
"A public reprimand is just pretty much what it says," Chaffin told The Associated Press from WAC headquarters in Denver. "It's not really penalizing. It would go in the file and next time something like this happens, more stringent penalties could occur."
On March 1, Fox bumped an official after a foul was called against Wolf Pack star forward Nick Fazekas in the final minutes of a loss at Utah State.
Last month, the WAC also reprimanded New Mexico State coach Reggie Theus for violating the league's sportsmanship policy during a tournament game. Theus left the bench and went onto the court after a New Mexico State player was intentionally fouled during the March 8 game against Boise State, the conference said.
The last time the WAC suspended a coach was on Feb. 10, 1998, when then-Texas El Paso coach Don Haskins was suspended for one game, Chaffin said.
Haskins had been reprimanded earlier in the season after an altercation with an official earlier. He then publicly criticized officials after he was ejected from a game on Feb. 7, which led to the suspension.
Capel: Point guard Bobby Maze to leave Sooners
NORMAN, Okla. — Bobby Maze, who emerged as Oklahoma's starting point guard last season, will not return to the team next season, coach Jeff Capel said Tuesday.
"Bobby and I met last week and we came to an agreement that he and our program will part ways," Capel said in a statement. "This decision is best for Bobby and for our team. I appreciate Bobby's efforts this past season and certainly wish him well in the future."
Maze averaged 5.6 points and 2.1 assists last season as a freshman. He started five of the Sooners' final six games, yielding to Kellen Sampson on senior night.
Maze played high school basketball at Suitland (Md.) High School and was on the same Amateur Athletic Union team as Texas' Kevin Durant, the college player of the year, and North Carolina's Ty Lawson.
He was the first recruit to sign with Oklahoma after Capel was hired last year. After high school, Maze played at The Patterson School, the same North Carolina prep school as Oklahoma guard Tony Crocker.
Austin Johnson, who started 23 games at point guard for Oklahoma before Maze took over, will be a junior next season.
Copyright 2007 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
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RAM Revolution Rod Holders - $27.88
Both of these well-rounded rod holders feature RAMs patented ball-and-socket as well as a ratchet action for unlimited rod positioning. Available: The Cradle-Style Revolutions over-center bail latch is fast and reliable. The open-side design permits fast removal by pushing down on the rod butt and sliding it out. Front notch for pistol-grip reels. Fits casting, trolling and spinning reels and all rods up to 1-1/2 in diameter. The Tube-Style Revolution solidly holds straight-handled rod/reel setups. Its perfect for drifting fast rivers, big water and for trolling with downriggers and planer boards. Type: Rod Holders. Tube. - $27.88


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- She was born in Turin on 24 April 1922.
- Her political career began in 1974 as the mayor of Monte Argentario, an office she retained until 1984.
- She was Under-Secretary at the Foreign Ministry in the Craxi, Goria and De Mita Governments and in the 6th Andreotti Government. In 1995, under Prime Minister Lamberto Dini she was appointed Minister for Foreign Affairs, as the only woman in the history of the Italian Republic to hold this office.
- That same year she attended the 4th World United Nations Conference on Women in Beijing.
- She represented Italy on the "European Grand Jury" which made the selection of the winner in the competition "A Motto for Europe".
Susanna Agnelli


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Die um 150 n. Chr. in Alexandria entstandene Geographie des universalen Naturwissenschaftlers Klaudios Ptolemaios spielte als geo- und kartographisches Referenzwerk bis in die Anf�nge der Neuzeit hinein eine ma�gebliche Rolle in der Wissenschaftsgeschichte. Trotz ihrer herausragenden Bedeutung und des Interesses, das sie gerade in j�ngster... more...
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Mammalian hairs in Early Cretaceous amber
- First Online:
- Received:
- Revised:
- Accepted:
DOI: 10.1007/s00114-010-0677-8
- Cite this article as:
- Vullo, R., Girard, V., Azar, D. et al. Naturwissenschaften (2010) 97: 683. doi:10.1007/s00114-010-0677-8
- Citations
- 211 Downloads
Two mammalian hairs have been found in association with an empty puparium in a ∼100-million-year-old amber (Early Cretaceous) from France. Although hair is known to be an ancestral, ubiquitous feature in the crown Mammalia, the structure of Mesozoic hair has never been described. In contrast to fur and hair of some Jurassic and Cretaceous mammals preserved as carbonized filaments, the exceptional preservation of the fossils described here allows for the study of the cuticular structure. Results show the oldest direct evidence of hair with a modern scale pattern. This discovery implies that the morphology of hair cuticula may have remained unchanged throughout most of mammalian evolution. The association of these hairs with a possible fly puparium provides paleoecological information and indicates peculiar taphonomic conditions.


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Medin dedicates 42 years of her life to BHS
Brainerd High School (BHS) Art Teacher Beth Medin has spent most of her life helping students bring out their creativity.
Medin — who started with the Brainerd School District in the fall of 1972 — has reached thousands of students during the past 42 years she has been with the district. And at the end of this school year, she will say her goodbyes and retire.
Medin, who turned 65 Monday, said through the years she has had a lot of her students come back to see her. She may have students contact her this week as it is National Teacher Appreciation Week.
"Watching kids create art is a gift," Medin said. "Watching these young minds ... they never cease to amaze me."
Medin said often times she showed her students a sample art piece and then had them draw or paint it.
"They are all looking at the same thing, yet they all create something different.
"After retirement I will need to come back here to sub to interact with these kids."
Brainerd Superintendent Steve Razidlo said, "Beth Medin has worked with students from every kind of background and she has challenged them to learn more about visual arts and thus about themselves. It is a remarkable thing to be a teacher, a remarkable thing to contribute to the artistic and personal development of a child, and a remarkable gift to our community that Beth shared her talents for 42 years. We will miss her tremendously."
Brainerd High School Principal Andrea Rusk said, "Beth Medin has served not only her students but the art community for more than 40 years. She is committed to pulling out every art thread from each student. She has a passion for the arts and has demonstrated through her work with students that all students can be artistic — it is finding the inner artist within.
"Beth is humorous, candid, committed and caring. She will be missed at BHS."
Medin graduated from St. Francis School in Little Falls in 1967. She graduated from St. Cloud State University (SCSU) with a bachelor's degree in education in the fall of 1971. She completed her student teaching in December of 1971 in Monterrey, Mexico. In the late '80s Medin earned her master's degree from SCSU.
Medin, who initially had no major selected, said in the first years of college she took all the classes she enjoyed, which were visual arts classes. Then it hit her — she wanted to be a teacher.
"It was just one of those things, where it came to me late in college," said Medin. "My dad was always telling me 'Be a teacher,' because it is the perfect job to be a mom and he was right.
"My mother was a visual artist."
When Medin graduated the only school that was hiring art teachers was Brainerd. She said Lance Hanfler, who was an art teacher and an athletic director in Brainerd, and Harvey Shew, the principal at the former Franklin Junior High, helped her get the job, which started out part-time and a year after became full-time. Medin said throughout her entire career she was an art teacher first at Franklin with Hanfler and also taught at the former Washington Middle School. She served the longest part of her career at BHS, where she currently teaches pottery, painting, drawing and self portfolio classes.
When asked about what art medium she enjoys teaching best, Medin said, "I'm more into teaching art then teaching the curriculum.
"Art on my own would be water colors, pencils or ink."
Medin said the most challenging part of her career has been the politics and money.
"We've had to make due in the tough times," said Medin. "We managed. It's frustrating when you see classes disappear. It never occurred to me that there would be fewer opportunities for students. When class sizes dropped the staff would have to be cut. It happened a few times in my career."
Medin said her biggest achievement in her career would be seeing students, whom people thought would not succeed, be successful. Medin said art is a great equalizer. There are students who get straight As in all their classes but not in art; then there are students who may be flunking out of all their classes but art, and they only show up to school so they can go to their art classes.
"Students tell me that their art class is their refuge," Medin said.
The most frustrating thing, Medin said, is seeing a student who has so much potential but who does not want to do anything.
Medin said she has had many successful students pursue art careers, including Karl Egenberger, who has been a designer for Max Factor and Disney; and Samantha French, an artist who lives in New York City.
"It makes me happy to know that many of my art students are doing well," said Medin.
"I cannot thank the community enough for providing the best kids, they have been such a joy for me.
"I have been so blessed to be here teaching these kids."
Medin lives in Fifty Lakes with her husband Carl. They have three children and she has three stepchildren.
When asked what she will do next?
"Whatever I want," she said. "I will do some art and be more involved in my church. I may go back to school. I love being a student. I may take some classes in theology or spirituality. I also love the outdoors."
JENNIFER STOCKINGER may be reached at email@example.com or 855-5851. Follow on Twitter at www.twitter.com/jennewsgirl.


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There's a new design in my Redbubble artist shop. The design is based on a Bengal tiger pen and watercolor that I drew as one of my daily drawings.
My wife is a Clemson football fanatic and the tiger is Clemson's mascot, so I felt compelled to create this monument to orange and purple!
Visit Redbubble, to get the Tiger as a sticker, art board, t-shirt, scarf, and many other items.


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Robert H. Abel
From Wikipedia, the free encyclopedia
|Robert H. Abel
May 27, 1941
Painesville, Ohio
|Short story person, novelist
|Alma mater
|University of Massachusetts
|Notable awards
Robert Halsall Abel (born May 27, 1941 in Painesville, Ohio) is an American short story writer, and novelist.[1]
Abel graduated from College of Wooster cum laude in 1964 with a B.A., Kansas State University with a M.A. in 1967, and the University of Massachusetts, with an MFA in 1974.[2][3] In 1968, he signed the "Writers and Editors War Tax Protest" pledge, vowing to refuse tax payments in protest against the Vietnam War.[4]
His work appeared in Colorado Review, Dim Sum, Glimmer Train, Manoa, The Massachusetts Review, Mind's Eye, and Writers' Forum. He is a member of the Authors Guild.
He lives in North Hadley, Massachusetts.[5]
- 1991 Flannery O'Connor Award for Short Fiction
- 1978 National Endowment for the Arts Creative Writing Fellowship
- "An Incident in Hohhot", Mind Sprocket, October 9, 2007
- Riding a Tiger: a novel. Hong Kong: Asia 2000. 1998. ISBN 978-962-7160-50-2. (reprint: Soho Press October 2002)
- Ghost Traps. University of Georgia Press. 1991. ISBN 978-0-8203-1252-1.
- Full-tilt Boogie: stories. Lynx House Press. 1989. ISBN 978-0-89924-064-0.
- The Progress of a Fire. Simon and Schuster. 1985. ISBN 978-0-671-50931-6.
- Freedom Dues: or, A Gentleman's Progress in the New World. Dial Press. 1978. ISBN 978-0-8037-2575-1. (reprint 1980)
- Skin and Bones. University of Colorado Press. 1978.
- "The Feng Shui Detective Goes South by Nury Vittachi". The Asian Review of books. May 8, 2002.
- ^ http://ntweb1.cpl.org/ocb/index.php?q=node/11&id=384
- ^ http://www.arabesques-editions.com/journal/contributors/robert_abel.html
- ^ Contemporary Authors Online. Farmington Hills, Michigan: Gale. 2010. ISBN 978-0-7876-3995-2.
- ^ "Writers and Editors War Tax Protest" January 30, 1968 New York Post
- ^ http://www.pw.org/content/robert_h_abel_3
External links[edit]
- 1941 births
- Living people
- People from Painesville, Ohio
- 20th-century American novelists
- 20th-century male writers
- American tax resisters
- University of Massachusetts Amherst alumni
- College of Wooster alumni
- Kansas State University alumni
- American male novelists
- American male short story writers
- 20th-century American short story writers