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The Accumulation of Bank-Owned Homes
October 30, 2009
Moderator: Welcome to the Federal Reserve Bank of Atlanta's Foreclosure Response podcast series. I'm Karen Leone de Nie with the Federal Reserve Bank of Atlanta. Today we're talking with Dan Immergluck, an associate professor of city and regional planning at the Georgia Institute of Technology in Atlanta. Dan conducts research on housing markets, fair lending, community development finance, neighborhood change and segregation, and related public policies. At Georgia Tech he teaches courses in housing policy, real estate finance, and research methods.
Across the country increasing numbers of homeowners are facing foreclosure. While some will be able to maintain homeownership by refinancing, loan modifications, or other strategies, some others will not. What happens with these homes, and what is being done to return them to a productive use, is the subject of today's discussion. We're talking to Dan about his research on bank-owned, also known as real estate–owned properties, or REO, in the United States. Dan, thanks for joining us.
Dan Immergluck: Thank you, Karen.
Moderator: Dan, can you explain what is meant by REO?
Immergluck: Sure, Karen. REO (real estate–owned) properties are the properties, the homes, that banks take back at foreclosure. So, basically, someone goes through the foreclosure process. It's possible for someone else to buy that home at the foreclosure auction, but nine out of ten times, especially nowadays, the bank ends up taking the home back, and then it becomes owned by the lender, and then they try to market it and sell it.
Moderator: Why is this important to be looking at these bank-owned properties?
Immergluck: Well, REO properties, especially one- to four-unit (what are called single-family) homes are typically vacant. And if they're on the market for a long time (typically they're on the market for at least three or four months, but it can be a year or longer) then they basically create a drag on the local housing market. They do this in a number of ways. First, a surge in REO properties in a neighborhood basically is creating an excess supply of housing in that neighborhood. And when you have a sudden surge in supply of housing, that means property values in the neighborhood drop, so that becomes a problem for everybody in the neighborhood. A second way is that, especially when they stay on the market longer and especially in markets that are already weak and have some issues, the vacant properties can become vandalized, they can have the copper stripped out of them, and so the properties are devalued in that way, and they create blight, you get boarded-up properties in a neighborhood. And then finally, in some cases, vacant and abandoned properties, especially that are boarded up, that are stripped of their value, can become basically havens for crime—spots where violent and property crime are kind of drawn into the neighborhood.
Moderator: I know that your research has looked at the accumulation of REO properties. Can you explain how the inventory of these properties varies by different types of metropolitan areas?
Immergluck: Sure. Basically, what my research over the last year or so has shown is that at a metropolitan level there are three types of metropolitan regions in terms of REO. First, there are a lot of cities, a lot of metropolitan areas, where there's been increases in REO properties but the foreclosure rates have not gone up a tremendous amount. Property values have been relatively stable—of course most metros have seen some property value decline. And I call these Type 1 metros.
Then there are mostly larger, older metropolitan areas, some of these that have had weak housing markets for a while, losing population, that I call Type 2 metros. And many of these cities had relatively high levels of REO even before the national foreclosure crisis—their foreclosures hit sooner [and] they had other kinds of vacant property problems. Most of these cities, as I said, are what folks call weak market cities. But also cities like Atlanta had high levels of REO even before the national crisis. Cities like Chicago, but also cities like Cleveland and Detroit, fall into this category.
And then the third category of metropolitan areas are what people think of as, sometimes, the bubble markets, the "boom-bust" metros—the California metros, the Florida metros, Phoenix, Las Vegas, some East Coast metros—and these areas saw a real housing boom, rapid price appreciation during the high-risk lending boom and then sudden and rapid price declines...At the beginning of the national crisis in 2006, [they] really had no foreclosures because people would be able to sell their house very easily. But then [they] saw very rapid increases to the extent that by late 2008 those metros had really much higher REO levels and REO inventories than the Type 2 cities (the Chicagos, Clevelands, Atlantas, cities like Riverside, California, Las Vegas, Phoenix). So those cities kind of surpassed and became the real foreclosure hotspots in the area—REO hotspots nationally.
Moderator: So you're talking about metro areas throughout the country. And it makes me wonder: How do state laws affect the volume of REO inventories?
Immergluck: In particular, state foreclosure policy can really affect how fast REOs accumulate in a metro and how much they accumulate. And there's a couple of different ways they do this. One is, states have widely varying what are called preforeclosure periods, and that's the time between when you get the foreclosure notice in the mail, or it's in the newspaper and it says you're in foreclosure, and the time … your house actually goes to auction at the courthouse steps or in the court there is what's called a sheriff sale. That period can vary from a month or month-and-a-half to a year, depending on state law. So if it takes a long time to go through that process, kind of obviously, then in some states that accumulation of REO is going to be slowed down. So we see a slower accumulation of REO in places like Florida than we do in Georgia, where the foreclosure process is very fast. The other thing that that foreclosure period can do is give people the longer periods—can give people more time to find alternatives to foreclosure. So there's some evidence that, actually, longer foreclosure periods reduce the foreclosure rate in a state.
And then the other part of the foreclosure process that's a bit less common, meaning not all states even have this, is what's called the postsale redemption period. So in some states, after the foreclosure sale happens, you have as owner of the house maybe a month, maybe as much as six months or a year even, to stay in the house and have the potential to get the house back, although that potential is very limited. It's very hard to get the house back after that foreclosure sale. But what it means is the property is technically in REO—it's not completely owned by the bank, but it's functionally owned by the bank, yet they can't sell it. So it's in this kind of limbo. And what we see in states like Michigan, Minnesota, and some others with fairly long postsale redemption periods is metros in those states tend to have very high levels of REO. And it would be one thing if people were actually living in the properties, and in some cases they are during that period; then you might not really think it's a problem because the vacancy problem doesn't occur. But, in fact, anecdotally at least, in many places folks on the ground tell me and others that people tend to leave their houses during that period, often early in that period, because they know they can't get the house back. So then you basically have a house in limbo for six months, and that really doesn't serve anybody's purposes.
Moderator: You know, we're talking about vacant properties, and I know that people tend to think of vacant properties as a distinctly urban issue. But in your research on REO accumulation, I wonder what you're seeing in terms of this problem in urban areas versus suburban areas?
Immergluck: Good question. The problem is disproportionately urban/central city, meaning there are, on average, if you take a neighborhood or a ZIP code that's in a central city versus a suburb, on average across all neighborhoods in the country you will tend to see a higher level of REO per property—a higher fraction of properties will be in REO in cities versus suburbs. On the other hand, the notion that it's an entirely central city or urban problem is really not correct at all because there are so many suburbs. And because there are so many suburbs—and the 75 percent of metropolitan areas, on average, are suburban—we see more neighborhoods (in this case I have measured them by ZIP codes) that have very high levels of REO, that are suburban [rather] than urban. In fact, the number of what I call high-REO ZIP codes that are suburban outnumbers the urban ones by about two-and-a-half to one. And in fact when I talked about the different types of metropolitan areas, what we also see is—in the boom-bust, what I called Type 3, metros that have really seen very large increases in REO volumes and inventories—in those it is more suburban than it is in the Type 2 metros. So in the Type 2, the older cities, it tends to be more urban—the Clevelands, the Chicagos, the Detroits. But in the Riversides, the San Diegos, and in Las Vegas, it's either both central city and suburban or a majority suburban problem.
Moderator: And so you've been talking about a lot of different cities dealing with these issues, and so, what are they doing to respond to the foreclosure crisis and, specifically, these REO properties?
Immergluck: There's been a lot going on, and it's interesting because some of these metros really didn't have a foreclosure problem before 2008, and certainly not before 2007, especially the Type 3 metros, the boom-bust areas. But a lot of other cities, especially the Type 2 metros, had REO problems earlier, not at the scale that they have today, so especially in those places, and especially in their central cities, there had been on the ground a variety of work going on for quite a while to respond to the foreclosure problems. And there's both a kind of a front-end and a back-end part of the response. On the front end, it's about counseling and working on loan modifications, and on the back end it's dealing with the REO problems and issues around homelessness caused by foreclosures. Some communities have geared up fairly rapidly, but I would say that the communities where there was a problem before 2007 have an advantage. Chicago's the city that comes to mind a lot, as well as Cleveland. Neighborhood housing services in Chicago had a really quite successful foreclosure (both loan modification and foreclosure counseling and property reclamation) REO reclamation program starting as early 2002–2003. But then the second wave of foreclosures hit during the national crisis, and it was very hard for them to keep up with that scale of the problem.
Moderator: So, in conclusion, what are local governments doing going forward to deal with the foreclosure challenges?
Immergluck: Good question. On the front end there's still a lot of work trying to get people loan modifications to reduce the continuing stream of foreclosures. The nature of the foreclosure problem has shifted some from a subprime problem to a broader problem that's being really accelerated by unemployment and a variety of just general economic distress. So folks are having to reach out. The problem is definitely more suburbanized everywhere because of the nature of the loans that are going into foreclosure; so the problems are spreading. And, again, it's partly about suburban governments not having history of dealing with these problems before.
On the back end, on the REO side, local governments are starting to pull down funds from the federal government through the Neighborhood Stabilization Program. And this is a roughly $6 billion program now ($4 billion in Phase 1, $2 billion in Phase 2), and they're pulling down the Phase 1 monies to be able to buy properties and reclaim them for different uses, primarily housing uses. So they might be buying vacant houses that need a lot of work, working with nonprofits and for-profits to rehab those. Some of those will become, again, owner-occupied housing, some will become rental housing. But the main focus is to reduce the negative affects I talked about earlier from vacant properties in a neighborhood, to get those properties reoccupied and, in some cases, to demolish some properties. But that's really what local governments are focusing on—and also just getting credit markets working so people who really should be homeowners or can be homeowners can get access to loans and to buy those homes and to keep markets more stable.
Moderator: Well, Dan, thank you so much for joining us today.
Immergluck: Thank you.
Moderator: For more information on foreclosure and REO, see the "Community Development" section on the Federal Reserve Bank of Atlanta's Web site at frbatlanta.org. We've been speaking with Dan Immergluck of the Georgia Institute of Technology. This concludes our Foreclosure Response podcast on bank-owned properties. Thanks for listening. If you have comments or questions, please e-mail email@example.com.


text: Worthersee 2014's Best- Volkswagen Air-Cooled Builds Share Comments Worthersee 2014 was one for the recordbooks. Coming in at roughly six times larger than Waterfest, there was plenty to see and do around the lakeside town of Reifnitz during the roughly two week invasion of cars manufactured by the Volkswagen Group. To streamline things a bit, we have gone through our nearly two thousand photos to bring you the best of the best. Here is our list of the best fourth, fifth and sixth generation Volkswagen Air-Cooled models in attendance in no particular order. On day seven of our coverage, Si Gray saw this squareback parked in the town of Reifnitz sporting great patina and stance. This single cab was seen on day four of our coverage, and turned out to be one of our favorites from this year's event. Si Gray found this Karmann Ghia on day 6 of his coverage, looking very well executed with redone bright work and cosmic-style wheels. Our own George Achorn saw this Beetle running around town on day 14 that was lowered with amazing patina and a period correct aftermarket Air Conditioning unit. This single cab was seen in the Werk 34 booth in Reifnitz on day 14, with excellent patina and lowered on Porsche Fuchs-inspired wheels. This split window Beetle was either a real 82E, or played the role quite well. The 82E was a Beetle which rode on a Kubelwagen chassis, and just 688 were built. This late model beetle looked incredible with fresh paint, shaved bumpers and chrome wheels. This Beetle was done extremely tastefully as a sort of mild rest-mod with period-inspired modifications. Of the many Beetles at Worthersee, this as one of the best. Fresh black paint, red steel wheels and white wall tires made this one stand out. Finally, this custom green Beetle had flared fenders and a tough stance, which turned quite a few heads. So how did we do? Be sure to let us know in the comments, and check out the entire gallery from Worthersee, right here.

subset: commoncrawl


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26 June 2017 18:25
A LIFE-SAVING team in the Ceiriog Valley has benefited from a new donation.
Wood panel manufacturer Kronospan provided the Ceiriog First Responders group with a new cabinet to store their life-saving defibrillator.
Dafydd Morris from the group wrote to the Chirk-based firm asking for sponsorship to help buy the vital piece of kit.
Thanking the company, he said: "Kronospan's generous donation has enabled us to purchase a special cabinet in which to store the defibrillator in my garage. This will enable it to be easily accessed by all members of the team as well as keeping the defibrillator at an ambient temperature to ensure that the battery does not go flat."
The Ceiriog volunteers provide an essential service in the rural community. They are trained by North Wales Ambulance service to respond to any incident within the seven-mile radius of the Ceiriog valley, which includes Chirk, when the ambulance is called.
All the volunteers have been trained to use the new defibrillator machine which is needed when someone is in cardiac arrest and fighting for their life.
Ben Hipkiss, Kronospan's human resource manager, commented: "We are very pleased to have helped the Ceiriog First Responders with this new cabinet which will help the volunteers to act quickly which is crucially important in saving lives."
n The Ceiriog First Responders are always looking for more volunteers so anyone interested should call Dafydd Morris on 07973 731763.
* To view the map you will need to have Javascript turned on


text:
Whenever a manufacturer uses the "DJ" tag alongside its headphones, an alarm sounds at Trusted towers. It means there's only one thing we can go in expecting - a low-end as bloated as Mr Cresote's belly pre wafer thin mint. And unfortunately it's what you get here.
This low-end isn't well well-controlled, deep or taut. In technical terms, it's a poor show. However, to ears less pedantic than ours, it could well sound good. The success of the massively popular Sennheiser CX300 series is partly down to that earphone's tendency to inflate its bass above what's strictly accurate.
Detail is unspectacular, lending vocals a veiled sensibility. If you're after accuracy and insight, the Radiopaq Duo shelf is the wrong one to alight at. However, their sound is also inoffensive - unless you have truly irrational expectations from £20 headphones. Treble isn't beautifully smooth, but it's not harsh either, and that DJ bass gives an impression of warmth - if not a particularly high-grade one.
The ear (well, the brain technically) will acclimatise quickly to the non-sibilant tone of the Duo headphones quickly, so you could do worse if the looks of these orange beauties have your heart all a'flutter. After EQ'ing down the bass, we were able to find a sound we'd happily listen to.
There are several very convincing arguments to be made against the Radiopaq Duo though - the cast of on-ear headphones available in the £20-30 price range. The classic Koss PortaPro, the Sennheiser PX100 and HD218, and the MEElectronics HT-21 all offer better sound for the same price - or a little bit more. Of course what they don't have are the Radiopaq Duo's neat colours. And that could mean a lot if you're looking for a present for an adolescent, or sub-adolescent, kid. In contrast we can't imagine many tweens happy to wear the Koss PortaPro - which look like they've been lost in the post since 1982.
The Radiopaq Duo are cheap, and with five metallic shades to choose from, they're more cheerful than an episode of Glee. However, like many "DJ" branded headphones, they're far too bassy for their own good - filling-in the low end with bloat rather than taut, refined bass.
You might ask, what do you expect for £20? Well, rivals like the Koss PortaPro prove that you don't need to spend a penny more to get better sound. The Radiopaq Duo may look better to most retinas, but how much does style matter to you?
More information -
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text:
Kroll, a global leader in risk mitigation and response solutions, recently released its third annual Cyber Security Forecast, a prediction of the most significant cyber issues organizations will confront in 2014. The latest forecast highlights seven trends identified by Kroll and suggests that a changing tide in cyber standards, both social and legal, will require organizations to take stronger actions and safeguards to protect against reputational, financial and legal risks.
Related Topics : Unisys, Stimulus Package, Security Breaches, Symantec, Electronic Surveillance
IT staff, organization leaders, and the average citizen have all expressed levels of concern over the FCC about-face in regard to ISP privacy. Here's what the security experts say. ... More >>
Executives at several top tech firms outline the skills they need now and in the near future, including IaaS and IoT security expertise. Other skills listed may surprise you. ... More >>
Security professionals are in demand right now, and entry-level security jobs generally fall into either an engineer or analyst role. Find out more about required skills and career paths. ... More >>


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Just wanted to drop a note to say "thanks" to the anonymous "wikignome" who has been hard at work on the wiki. You've spent a lot of time the past few days adding a significant amount of information on distance learning sources of credit, including costs and credit levels for each. One of the first questions I had after finding this forum and learning about the Big 3 concept was "what schools can I use for distance learning classes?" The answer was buried among several different threads and usually resulted in google searches that were not always fruitful. What you are doing helps everyone else answer that exact question.
I'd also like to say thanks again to all the other "wikignomes" who have worked on the site in the past couple of months. There have been some significant cleanups and additions to the site and your work does not go unnoticed.
Thanks for making it better for everyone!


text:
Two things this week. Although I didn't write about GOOP yesterday, I did read it, and in it, they are looking for questions from readers just like you. They even provide an e-mail address. So, if you have a question for Gwyneth, please write it in the comments and then e-mail it to [email protected] The question I want to ask her other than the obvious ones about whether she has ever been to a grocery store or sleeps in a coffin is the topic that has been all over the news this week.
Presuming it is legal as has been claimed, would you eat a lion burger?


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Paul Walker's brothers helping filmmakers
NEW YORK — Paul Walker's brothers are stepping to help finish filming on "Fast & Furious 7," the film Walker was in the midst of making when he died in November.
Caleb Walker and Cody Walker have been enlisted to complete their brother's action scenes and "fill in small gaps left in production," Universal Pictures said in a statement Tuesday on the film's Facebook page.
"Having them on set has made us feel that Paul is with us too," read the statement.
Production on "Fast & Furious 7" recently resumed after it was suspended following Walker's death.
Walker, 40, died in a car crash on Nov. 30 outside Los Angeles along with his friend Roger Rodas. A police investigation found the Porsche that Rodas was driving was traveling up to 94 mph when it went out of control.
The release of "Fast & Furious 7" was delayed until April 2015 following Walker's death.
o o o
LOS ANGELES — Miley Cyrus is in the hospital and unable to perform her "Bangerz" concert in Kansas City, Mo., as planned.
A spokeswoman for the singer says she canceled her performance Tuesday after she was hospitalized for a severe allergic reaction to antibiotics. Publicist Meghan Prophet says in a statement that Cyrus, 21, is on "medical rest" at her doctors' advice.
Cyrus said on Twitter that she's heartbroken to miss the show. She also posted a photo of herself wearing what appears to be a hospital gown.
Tickets for the concert at Sprint Center are being refunded.


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AOL's Participation in the Digital Content NewFronts Highlighted by Cynopsis
Apr 9, 2012
Cynopsis, a well-read industry publication for the television, media, digital, and sports TV industries, has profiled a series of NewFront participants over the last few weeks where each executive speaks in general about their company's digital content strategy. Today, AOL's participation was highlighted through a Q&A with Janet Balis, SVP and Head of Sales Strategy, Marketing and Partnerships.
With over 59,000 newsletter subscribers Cynopsis is a must read for people in content, distribution, technology, ad sales and creative services.
AOL joined forces with Digitas, Hulu, MSN, Yahoo! and YouTube to bring the Digital Content Newfronts to market to showcase online content for consumers, brands and their investments, and agencies. AOL is deeply committed to original, high-impact digital experiences and the Digital Content Newfronts will give us an opportunity to showcase the creativity of our ideas and solutions.
Read more at Cynopsis.
.@AOL's Participation in the Digital Content NewFronts Highlighted by @Cynopsis aol.it/HuDDKY
- AOL PR (@AOLPR) April 9, 2012


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The Amazing Race
The Amazing Race 21
'The Amazing Race' eliminates Racers Rob French and Kelley Carrington-French
By Elizabeth Kwiatkowski, 11/05/2012
The Amazing Race
eliminated Rob French and Kelley Carrington-French during Sunday night's sixth broadcast of the CBS reality competition's 21st season.
The "Married Monster Truckers" became the fifth team eliminated from the around-the-world competition after they arrived at the Race's sixth Pit Stop at the Savarona ship, which was originally purchased for the founder of the Republic of Turkey, in Istanbul, Turkey in last place.
"I tell you what, without Kelley, I'm nothing. You might think that I'm this big strong bold guy, but I'm so blessed to have this woman in my life and for somebody to love me the way that she loves me," Rob said following his team's ouster.
"Worth more than a million dollars?"
The Amazing Race
Phil Keoghan
"Way, way more than a million dollars," Rob noted.
The sixth episode of
The Amazing Race
21st season began where last week's broadcast left off, with the Race's seven teams meeting with Phil and leaving the course's fifth Pit Stop at Lok Shilpa Jadughar, a folk art and craft museum.
Since they had been the team to finish in first place at the Race's fifth Pit Stop, "Friends" James LoMenzo and Mark "Abba" Abbattista were the first team to depart the museum at 8:30AM.
Following James L. and Abba were "Dating Divorcees" Abbie Ginsberg and
Ryan Danz
at 11:04AM, "Twin Sisters" Natalie Anderson and Nadiya Anderson at 12:10PM, Rob and Kelley at 12:31PM, "Dating Couple" Trey Wier and Alexis "Lexi" Beerman at 12:53PM, "Chippendales Dancers and Best Friends" Jaymes Vaughan and James Davis at 1:30PM, and "Goat Farmers and Life Partners" Josh Kilmer-Purcell and Brent Ridge at 3:04PM.
Upon opening their departure clues, the teams were instructed to travel 3,700 miles to Istanbul, Turkey. Once they touched down, they were required to make their way to Kabatas Ferry Terminal, where they would find their next clue.
At the airport, all the teams eventually learned there was only one available flight out of Bangladesh at 6:25AM the next morning, which was at their earliest convenience. While figuring out their plans, James L. and Abba dropped the $100 they were given for this leg of the Race.
Natalie and Nadiya found the wad of cash at the airport and decided to steal it. They convinced Trey and Lexi not to say anything and thought the best thing to do would be to keep the money for themselves and not return it to James L. and Abba. James L. and Abba soon found out they had lost their money and panicked. They ended up begging locals for money and surprisingly earned the exact amount they had started with, so they could continue on with the Race.
Meanwhile, Natalie and Nadiya split the $100 with Trey and Lexi to relieve some of their heavy guilt.
Upon arrival in Istanbul, the teams rushed off to the Kabatas Ferry Terminal via taxi or subway. Jaymes V. and James D. and Rob and Kelley were the only two teams who took the subway, as they believed it would be faster to travel without hitting any traffic on the roads. All the other teams took taxis, and that became the faster of the two ways.
Jaymes V. and James D. started to worry that maybe the subway was taking too long after noticing there wasn't any traffic. Therefore, the team decided to jump off the subway mid-route and take a taxi the rest of the way, leaving Rob and Kelley on the subway alone. Rob and Kelley believed the "Chippendales" had made a mistake, so they stayed put.
James L. and Abba were the first team to arrive at the ferry terminal. They were soon followed by Abbie and Ryan, Natalie and Nadiya, Trey and Lexi, Josh and Brent, Jaymes V. and James D., and Rob and Kelley.
Once at the terminal, the teams were instructed to take a ferry to the Asian side of Turkey and search the Uskadar Terminal for their next clue.
James L. and Abba, still maintaining their lead, were the first team to make it to the clue box at the Uskadar Terminal. They were then followed by Trey and Lexi, Josh and Brent, Abbie and Ryan, Natalie and Nadiya, Jaymes V. and James D., and Rob and Kelley.
The teams then learned they must make their way by taxi to Misir Carsisi and search for shop No. 14 for their next set of clues.
Trey and Lexi managed to hop in front of James L. and Abba thanks to their quick cab driver, arriving at the shop before any of the other teams. Following Trey and Lexi and James L. and Abba were Natalie and Nadiya, Abbie and Ryan, Josh and Brent, Jaymes V. and James D., and Rob and Kelley.
It then became time for the teams to complete one of two Detour tasks: "Simit" or "Scrub it."
"Simit" required the teams to transport Turkish bagels known as simits to three different addresses. They first had to figure out how to stack their simits on large trays. Afterwards, they had to wear a block on their heads and balance their cargo while walking through the streets of Istanbul. Once all the cargo got delivered, they'd receive their next clue.
"Scrub it" required the teams to pick up bathing items and then make their way to a 16th century bath house. After choosing a bath attendant, they'd be cleaned like never before. Once the Racers were "squeaky clean," according to Phil, they'd receive their next clue.
However, before being able to receive their own set of Detour instructions, Josh and Brent were forced to complete an additional Speed Bump task as a penalty for finishing the prior non-elimination leg of the Race in last place.
The Speed Bump task required the men to find a marked Turkish vendor, buy two scoops of Turkish ice cream and then eat the cones before continuing on the Race. Josh and Brent assumed they had an easy Speed Bump task until they realized they had originally gone to a random vendor that was not marked with
The Amazing Race
colors. As a result, they had to do the task all over again and each eat another scoop of ice cream after watching the vendor's little juggling performance.
Meanwhile, Trey and Lexi, Abbie and Ryan, Natalie and Nadiya, James L. and Abba, and Jaymes V. and James D. opted to take on the "Scrub it" task, while Rob and Kelley chose to attempt the "Simit" Detour task. Once Josh and Brent completed their Speed Bump, they also tried the "Simit" task.
Josh and Brent seemed to have the most trouble with the Detour task because they struggled to find the three locations where they were supposed to deliver their Turkish bagels. "Scrub it" seemed like the easier way to go, as the teams didn't have to do much themselves and the bathing process didn't appear to be lengthy.
Trey and Lexi were the first team to complete their Detour task and they were soon followed by James L. and Abba, Abbie and Ryan, Natalie and Nadiya, Jaymes V. and James D., Josh and Brent, and finally Rob and Kelley -- who were still lagging behind.
Upon finishing the Detour, the teams were instructed to make their way to Kapali Carsi and search for the marked fountain inside the bazaar.
Trey and Lexi were the first team to find the fountain, and they were soon followed by Abbie and Ryan, James L. and Abba, Natalie and Nadiya, Jaymes V. and James D., Josh and Brent, and Rob and Kelley.
Once there, the teams learned it was time to complete a Roadblock task. For the Roadblock, one member of each team was required to serve up Turkish sherbet in the form of a drink. Dressing up as a local vendor, each Racer had to carry a large teapot and serve 40 glasses of the refreshment in order to earn $20. Once they achieved that, they'd receive their next clue.
Lexi opted to do the Roadblock task for her team. She was later joined by Ryan, Abba, Natalie, James D., Brent, and Kelley.
The Roadblock task proved to be most difficult for James D. and Ryan because it took them awhile to figure out a successful selling method. The girls seemed to breeze through the task, as their cheery outgoing personalities efficiently attracted customers.
Trey and Lexi were the first team to complete the Roadblock task. They were then followed by Abbie and Ryan, James L. and Abba, Natalie and Nadiya, Jaymes V. and James D., Josh and Brent, and Rob and Kelley.
Upon completion of the Roadblock task, the teams were instructed to find Savarona -- a ship which would serve as the Race's sixth Pit Stop.
Trey and Lexi managed to make it to the Pit Stop mat in first place before any of the other teams. Phil welcomed them and told the team that they had won a trip for two to Australia.
Abbie and Ryan followed closely behind and arrived at the Pit Stop in second place. Securing third soon afterwards was James L. and Abba. Natalie and Nadiya subsequently finished the leg in fourth and were followed by Jaymes V. and James D. in fifth place.
Josh and Brent then made it to the Pit Stop mat in sixth place, leaving Rob and Kelley to finish in seventh -- and last -- place. The married couple seemed well aware they had finished in last place when they first arrived at the Pit Stop, so they were expecting their fate in the competition.
"Rob and Kelley, you're the last team to arrive, and I'm very sorry to tell you that you have been eliminated from the Race. Rob, I can see you're a man with big sensitivity," Phil told the team as Rob got a little teary-eyed.
"[He has] a big heart," Kelley interjected.
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text:
I'm so glad that I didn't find this site till after my last semester was over. Graduation is this weekend, and I can guarantee it would have been a harder path to get there if I had access to this amazing procrastination tool.
The Useless Web is a curated collection of the most useless, yet wildly entertaining, site on the internet.
To navigate the site all you have to do is press the pink Please button, and a useless website will open in a new tab. Don't like that web page? Close the tab and click the Please button again to generate a new one.
In the time I wasted there today, I was directed to site where a guy got slapped in the face with an eel when you move the mouse cursor, a dancing dinosaur, a site where when you move your mouse cursor a trail of ducks appears, a site that simulates falling, and the passive aggressive password machine. They were all fairly hilarious but completely useless.
I hope you enjoy this random mix of time waster sites, go on, check em out!
Tags: boredom, fun, procrastination, time waster, useless site


text: AdWeek [ Darkly Funny Parody of British Tourism Ad Invites You to Riot [VIDEO] By Jeremy Taylor August 12, 2011 | theFW.com A British tourism campaign called 'VisitBritain,' in which English celebrities "invite" tourists to vacation in Great Britain, has been pulled from all overseas markets due to the rather uninviting rioting currently plaguing our cross-Atlantic cousins. Read More Category: Videos Tags: British, funny, Parody, Riot, Tourism, video Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


text: In the car yesterday, riding home from a dentist's appointment, L. and I got to talking about "the old days." "This is really nice," L. said to me. "You know, just you and me spending time together, like it used to be." "I love doing this," I told him. "I really miss how that used to be," L. said. "Do you miss it, too?" Oh, L., how I miss it. How I miss it with every fiber of my being. And I told him so. L. wanted to know if he'd have "time off" between elementary school and middle school; not just the summer, but a whole year, maybe, like it used to be, a long, long time ago when L. was very small, in those golden days L. still remembers, and clings to so much. "Why can't kids ever go back to that?" L. wanted to know. "How come once you start school that's just it, and you keep on going and going and never go back?" His question both stumped me and broke my heart, too. I felt it crack a little, inside, like it does when my children ask me an unbearable question, a question that needs a better answer than the one I can give. I thought about all those cliches--ones about how we all have to grow up one day, or how about that one about life being like a merry-go-round--you get on and you can't get off. Instead we talked about life's "necessary losses"--the ones that are a vital part of everyone's lives, sooner or later. Life's losses and gains are inextricable from each other, and it is through that perpetual rocking between the two that the most emotional and even physical growth occurs. I don't know if my answer satisfied L.--I'm not sure it fully satisfies me. ************ Settling into a school routine here is still very much a work-in-progress, even though L. just completed his fifth week of school. The first half of the school year is always a difficult time for us. Every year since kindergarten it has taken L. months to get acclimitized to the conditions of the new classroom, the teacher, the expectations, the curriculum. Nothing we seem to do each year has helped cut down on this process. L. just doesn't do well with change, or with learning new ropes. Until he feels comfortable in a situation his body and mind are always in a state of panic and stress. This year has been no different. We've been logging a lot of hours lately in e-mail correspondences, letter writing, school visits, teacher meetings. One to two times each week one of us has had to drop by L.'s school--sometimes to pick him up because of a nervous stomach or headache, other times just to reassure him that something physical he's worried about isn't, in fact, something to worry about (hence the dentist's appointment yesterday). My theory about all this is that when he's in a state of anxiety and stress his senses become over-sensitive, so that even the smallest thing--a bruise on his arm, a sore gum, for instance, suddenly turns into an frightening problem, and this feeds his anxiety. It's a good thing, really, that both Scott and I work five minutes from L.'s school. All this is to say we're very ready for the weekend. I'm looking forward to the chance to dip our toes back into those summer days--sleeping in, going to the pool, spending time with the kids without worrying about the clock, or where we need to be next, or how much has to be done. Happy weekend--I hope it's just the weekend you need!


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Alfonso Solis
Alfonso Solis, 65 years old, died on Dec. 23, 2013, at his family home surrounded by his family in Las Cruces. He was born on Nov.15, 1948, in Anthony, Texas, to Guadalupe Mendoza [auth] and Alfonso Solis. He married Rosa Gonzalez on July 13, 1970. He graduated from Gadsden and attended New Mexico State University and had a fellowship at the John F. Kennedy School of Government at Harvard University.
Alfonso enlisted in the military and was sent to Vietnam during the last Tet offensive. After returning to Ft. Bliss, he became a member of the military police and later a criminal investigator for the Army and was sent to the Canal Zone for undercover operations. He was awarded the National Defense Service Medal, Vietnam Service Medal and Army Commendation Medal. He was then hired by the El Paso County Sheriff's office as an investigator. In 1977, he began his career with the United States Marshal Service and worked various assignments in California, Arkansas, Texas, Puerto Rico, Florida, New Mexico and Washington, D.C. His responsibilities included overseeing the witness protection program and apprehending fugitives from all over the world.
In 1987, President Ronald Regan nominated Alfonso Solis as the U.S. Marshal District of New Mexico, where he served until 1992. In 1996, he went to Washington, D.C. to become the assistant director for the U.S. Marshal Service in Investigative Services. This division handled working with Interpol and other foreign law enforcement agencies to locate and arrest fugitives overseas. In 1997, he became assistant director of the Prisoner Service and the Justice Prisoner Transportation System, also known as "Con Air." He served 30 years in law enforcement, 21 of those years in the U.S. Marshal services and during that time received awards for distinguish service, special achievement and outstanding performance while serving in the U.S. Marshals.
After retiring, he became the Dona Ana County Detention Jail administrator. In 2006, he moved to Roswell to become the jail administrator for Chaves County. On January 14, 2011, he became Roswell chief of police. He held that position until he retired in August 2013. In addition, during 2011, he was appointed by Gov. Martinez as interim secretary of Corrections for two months until the position could be filled. In September 2013, at his retirement ceremony, he was awarded the Exceptional Service Award from the Department of Public Safety.
Alfonso Solis is survived by his wife, Rosa (Rosie) Solis; and his daughter, Rebecca Solis-Ruiz and her husband Delfino Ruiz, of Las Cruces; and his cousin Mary Hall, and her children: Robert Lazarin, Nicole Ortiz and Carlos Lazarin. He is also survived by his brothers-in-law: Tony Gonzalez, Manuel Gonzalez (wife, Rosie), Daniel Gonzalez (wife Nancy); and sister-in-law, Teresa Saucedo. He is also survived by his nephews: Rolando Gonzalez, Eugene Gonzales, Ray Gonzalez, Andrew Saucedo, Adam Gonzalez; and nieces: Marisa Saucedo, Debra Ramirez, Erika Gonzalez; and several great-grandnieces and nephews.
He was predeceased by his mother, Guadalupe Mendoza; and uncle, Carlos Mendoza; and aunt, Delores Mendoza; mother-in-law, Ramona Gonzalez; sisters-in-law: Dolores Gonzalez and Florence Parker; brothers-in-law: Juan Gonzalez and Chris Saucedo; cousin, Rita Flynn; and nephew, Julian Ramirez.
Visitation will be held at Immaculate Heart of Mary Cathedral on Monday, Dec. 30, 2013, from 6 to 7 p.m., followed by a prayer vigil at 7 p.m. Funeral Mass will be held at Immaculate Heart of Mary Cathedral on Dec. 31, 2013, at 10 a.m., followed by a graveside service at Masonic Cemetery. Father Bill McCann will be officiating. Pallbearers will be Daniel Gonzalez, Tony Gonzalez, Manuel Gonzalez, Rolando Gonzalez, Angel Cordova and Ray Lopez. Arrangements are with Getz Funeral Home 1410 E. Bowman Ave, Las Cruces NM 88001. To sign the online guest book, visit GetzCares.com.
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text:
On Thursday, Twitter launched the music app that was nothing but a rumor for the past several weeks. Twitter released the app early Thursday, and called it Twitter #music, with a hashtag in the title to reflect the popular feature from the social networking site. The app integrates a number of other music streaming services such as Rdio and Spotify … Read More
Hidden Radio Icons in iOS 6.1 Suggest Music Streaming Service from Apple Coming Soon
Apple has been widely rumored to be working on subscription based music streaming service for iOS devices. When Apple purchased LaLa, many believed that the company would introduce a streaming service. However, the purchase turned out to be to acquire talent to develop iTunes Match service. Evad3rs released their 'evasi0n' unthethered jailbreak for iPhone5 on Tuesday and now 9to5Mac points … Read More
Spotify Releases iPad App for its Streaming Service
Music streaming service, Spotify, gained popularity in Europe before debuting in the United States last July, allowing users to stream music from major music labels on their Macs, PC's, and portable devices. Spotify is one of the first streaming services to combine users music libraries, as well as online streaming and allow them to sync their devices. Today we're extremely … Read More
Napster App For iOS Stream Millions Of Songs To Your iPhone
After months of waiting, Apple has finally approved the Napster music application for iOS and it's available to download from the App Store today. Napster's app is free to download to your device, but to gain access to the music, you'll need to sign up to their 'Napster Plus Mobile Access Plan,' which is $10 per month. There is a … Read More
LaLa service discontinued. Is iTunes streaming coming soon?
Apple acquired the popular music streaming service LaLa.com as they were interested in their experience with cloud-based music services. Recent news reports and patent filings indicate that Apple is all set to launch its cloud-based music streaming service. Last month we reported that LaLa would be shutting down their service and today the service was finally discontinued. This has lead to further speculation … Read More


text:
Welcome to St. David's HealthCast
Welcome to St. David's HealthCast
This presentation is a case based, practical approach to evaluation and treatment of female sexual dysfunction.
Watch Now
Dr. Shaw discusses the recent changes and controversies regarding the new prostate screening guidelines and prostate cancer.
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Thiru V. Lakshman, MD, discusses robotic surgery and its application to colorectal surgery.
Watch Now
Featured CME
Physician Hot Topics
The Acute Ischemic Stroke Patient
Dr. Elizabeth Carroll explains why every patient with focal neurologic symptoms should be considered for tissue plasminogen activator and why every person involved in their care plays an important role in the time it takes to give it.
Innovations in the Treatment of Ischemic Stroke and Brain Aneurysms
Dr. James Waldron discusses the current role of endovascular therapy in acute ischemic stroke and the natural history, treatment options and clinical decision making for brain aneurysms and subarachnoid hemorrhage.
Deep Brain Stimulation for Movement Disorders: Clinical Treatment and Current Research
Parkinson's disease is not merely a "movement disorder" – it also involves cognitive (mental) and affective (emotional) symptoms. Deep Brain Stimulation therapy itself is complex and multifaceted.


text:
Related Publications
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Chanting: A Mishkan for Healing
By Shefa Gold
Josh Rolnick, The Sh'ma Institute, June 2011
Topic: Prayer, Health and Healing
Name of Publication: Sh'ma: A Journal of Jewish Ideas
Editor: Berrin, Susan
Volume/Issue: Vol.41/no.681
Page Number(s): 7
Genre: Article
Coverage: United States
Language: English
Copyright Holder: Publisher
Copyright Information: Download for personal use, freely distribute link
Bibliographic Information:
Gold, Shefa. Chanting: A Mishkan for Healing. Sh'ma: A Journal of Jewish Ideas. Josh Rolnick, The Sh'ma Institute. June 2011: 7. http://www.bjpa.org/Publications/details.cfm?PublicationID=11712
» View Publication
(PDF, 100 Kb)


text:
Welcome to Charleston
Located in the heart of Downtown Charleston on historic King Street with it's exposed brick, eclectic vibe and unique upstairs bar and back patio - the Mellow Mushroom Charleston has become a staple for College of Charleston students, young professionals, beer connoisseurs, visiting tourists and those in need of a gluten-free or vegan menu. Come on by and #getmellow with us.
The Mellow Mushroom: Serving craft pizza, craft beer and craft cocktails with a side of unique vibes since 1974.


text:
Everneath by Brodi AshtonYes, I did what I said I was going to do in my review. I walked into Barnes and Noble at 9 AM sharp and had them go get a copy from the back. Then I danced my jig and stroked the pages and squealed. :D
The Book Thief by Markus Zusak
I've never read this book before, but after reading a few pages in the bookstore I had to get it (25% off!) and I plan on reading it soon!!
The Hobbit by J. R. R. Tolkien
Never read this one, either! I'm very much looking forward to it, especially since Part 1 of the movie comes out this winter!
Annexed by Sharon Dogar
I'm sooo looking forward to this one! I've been waiting for a good sale or the paperback...and finally I had the paperback and a giftcard! Yay!! :D
Sovay by Celia Rees
I've had my eyes on this book for seemingly forever, and have even picked it up, only to put it down for lack of time. But now I own it. I will conquer it.
The Whisper by Emma Clayton
Wanna know how much I love The Roar? Well, the first answer to that is: "READ IT!" The second answer is: "Review coming soon!!!!"
The Price of Freedom by A. C. Crispin
I'm a Pirates Junkie. Call me P.J. - put it on my luggage! (If you don't know what I just referenced to, then shame on you!) Ok, no seriously. My sisters and I have a Pirates marathon once a year, complete with a million facebook updates a day and LOTS of fangirling and sometimes, on my part, crying over my beloved Will Turner.
So, um, this should be good.
The Stash.
I forgot to include a picture, but I also purchased a used copy of Peter and the Starcatchers for $.25. Pretty good deal!
From NetGalley
And now, may I present to you, THE SISTER EDITION. (Btw, you should go friend her on Goodreads.)
SOVAY. It's a matter of intensity.
SHHHH we're whispering!
Super duper happy Peter Pan?
Sorry sis, I don't think so.
"I think she's really gunna do it..."
"Steal that book."
To all the offended Hobitses out there:
This is not an accurate representation.
She morphed into Anne Frank for a minute and started smooching all over the poor guy.
Ummm... after about 10 attempts I finally got her to say "ARGH" and make a serious (well, sorta) Pirate face and to actually curl her finger into a hook. Well, sorta.
And my favorite. I'm a bit biased toward this book already, and this was just genius. Actually, it was the start of all these pictures.
Hope you enjoyed THE SISTER EDITION. I'm sure Emmy will be popping up around here more and more often. ;)


text:
Changing NIMH Clinical Trials: Efficiency, Transparency, and Reporting
Nitin Gogtay, M.D., and Tom Insel, M.D., National Institute of Mental Health
Recent reviews have painted a dismal picture of treatment development for mental disorders.1 Industry has reduced its investment in clinical trials, and the pipeline of new compounds appears depleted. At the same time, the public health burden of mental disorders is becoming ever more apparent, emphasizing the need for new and better interventions.2 Given the unmet public health need, the National Institute of Mental Health (NIMH) has been exploring how federal investments might stimulate research to deliver the next generation of therapeutics.
While promising scientific opportunities are emerging,3 there are also some concerns about the current clinical trial enterprise. These concerns were raised in a 2010 Institute of Medicine (IOM) report critical of the National Cancer Institute's (NCI) approach to clinical trials, noting, among other issues, the slow pace of completion of NCI clinical trials and the lack of scientific innovation in the context of direct, tangible benefits to patients.4 A subsequent report in the British Medical Journal showed that fewer than half of NIH-funded trials resulted in papers published in peer-reviewed journals within 30 months of trial completion, and a third still had no published results after a median of 51 months.5 The U.S. Congress, concerned about the need for new treatments, created the Cures Acceleration Network within the Patient Protection and Affordable Care Act to find more efficient pathways to new treatments.6
What changes did Congress call for? First, improved efficiency, measured in time for approval, recruitment, and completion while maintaining the quality of subject selection and trial design. Second, increased transparency, as witnessed through the registering of trials, monitoring of human subject protection issues, and posting of results in a public database. And third, more comprehensive reporting if needed, to address concerns about the failure to publish, publication bias, or lack of access to raw data. As one indication of the changing expectations, the European Medicines Agency recently announced a draft policy requiring sharing of patient level data for all clinical trials in the European Union; in addition, the U.S. Food and Drug Administration (FDA) has announced similar plans to expand sharing of data submitted in regulatory applications.7
All of these issues, which were directed at NIH-funded trials, are relevant to NIMH-supported clinical trials. For this essay, the definition of a clinical trial is based on definitions found at ClinicalTrials.gov , and used by the World Health Organization and International Clinical Medical Journal Editors (ICMJE), as "A clinical study in which participants are assigned to receive one or more interventions (or no intervention) so that researchers can evaluate the effects of the interventions on biomedical or health-related outcomes." Elsewhere we have described the need for next generation trials focused on target validation using an experimental medicine approach.3 The issues of efficiency, transparency, and reporting are independent of the experimental medicine approach. This essay reviews the "how" rather than the "what" of NIMH's investments in clinical trials for treating mental disorders.
Clinical Trials at NIMH
In 2012, NIMH supported over 250 clinical trials for a total investment of roughly $100M. Almost half of these trials (49%) were R01 grants, with many other exploratory R34 or R21 grants (16%). The trials covered a range of therapeutics including small molecules, devices, psychosocial and behavioral interventions, and single- as well as multi-site trials. Over half of the NIMH portfolio was focused on psychological or psychosocial treatments, reflecting the traditional role of NIMH as developer of psychosocial interventions, in contrast to the traditional role of industry as developer of medications for mental illness.
How are these projects performing? For trials with over 150 subjects, the NIMH tracks recruitment every 4 months. This captures roughly two-thirds of trials from R01 grants and nearly all U01 (cooperative agreement) and contract projects. A check of recruitment in 2012 revealed that the majority of these projects had difficulty enrolling subjects within the first year of the Notice of Grant Award. Measured as 80% of target recruitment, for all trials with over 150 subjects, 64% were behind schedule in 2012. In contrast to most trials in industry, which are completed within 3 years, the mean time to reach target enrollment for NIMH trials approximates 4 years.
What about registration of NIMH trials? Like grantees from other Institutes and industry, NIMH grantees are subject to two broad policies. The first policy, originally part of the FDA Modernization Act (FDAMA) of 1997, mandated the registration of Investigational New Drug application trials for serious and life-threatening diseases and conditions. A public registry, ClinicalTrials.gov , was created by the NIH through the National Library of Medicine to house this important new database. Subsequently, the policy was significantly expanded in 2007, through the FDA Amendments Act (FDAAA), which required that all intervention trials (e.g., drugs, biologics, devices, etc.), including early phase and behavioral trials, be registered in ClinicalTrials.gov. Observational studies were exempted. Importantly, FDAAA required that results also be shown within 12 months from primary completion within ClinicalTrials.gov.
A second policy, developed in 2004 by the ICMJE, required prospective registration of intervention trials of all types in ClinicalTrials.gov as a prerequisite for publication in one of its member journals. ICMJE policy exempted observational studies but included behavioral interventions. As of this writing, about 150 studies are listed as open for recruitment in ClinicalTrials.gov with NIMH as lead funder or co-sponsor.
Are NIMH trials being published promptly? The definition of prompt, of course, must consider not only the time to analyze and report data but also the journal's time for review and publication. As of March 2012, less than half of NIMH trials ending in 2008 and 2009 (36 and 24 months, respectively) had reported results, which is consistent for NIH generally.5
Modifying NIMH Trials
The results cited above suggest that NIMH is no different than other NIH Institutes in the conduct of its clinical trials: There is a clear need for improvement in efficiency, transparency, and reporting. A workgroup of the National Advisory Mental Health Council (NAMHC) reviewed the state of our clinical trials portfolio and recommended a number of changes.8 Additional conversation with both the NAMHC and stakeholder groups have stressed that "time matters," given the urgency for new and better treatments and the new ecosystem in which large pharmaceutical companies are reducing investments in treatments for mental illness. With this recent retreat of industry, NIMH recognizes the need for shifting the balance in its portfolio, from traditional efficacy trials to focus more on target validation and experimental therapeutics for both biomedical and psychosocial interventions. The goal of this new approach is to identify new targets for treatment development, or identify therapies that directly influence disease outcome or knowledge of the disease. In this context, it will be important that trials be designed such that negative as well as positive outcomes will be equally informative. But this new approach will be accompanied by several changes in our expectations for the conduct of clinical trials.
A common complaint from investigators is that many of the regulations for the conduct of clinical trials add time without clearly improving rigor or safety. As one example, multi-site trials require approval from individual Institutional Review Boards (IRBs). This delays the launch of trials in all sites without necessarily improving the quality or safety of the trial. Several experiments are underway within the Clinical Translational Science Award (CTSA) program as well as within individual NIH Institutes to accelerate review without reducing the quality of the process.9 Going forward, for multi-site trials, NIMH will mandate the use of a single IRB of record.
In the past, many NIMH-funded investigators have applied for extensions or competitive renewals of their clinical trials without demonstrating the performance metrics noted above. NIMH will require accounting for time to enrollment, rate of recruitment, and time to completion before funding extensions or renewals for all trials. Additionally, NIMH will monitor these milestones, as a requirement for continuation of funding and will consider past performance as an additional criterion during the grant review process.
The new Funding Opportunity Announcements (FOAs) announced in the fall of 2013 reflect the shift of NIMH portfolio to the experimental medicine model. NIMH will also move more of its clinical trials portfolio from research project grants (i.e., R01s and related mechanisms) to contracts and cooperative agreements. The New Experimental Medicine Studies: Fast-Fail Trials (FAST) for psychotic spectrum disorders, autism, and mood and anxiety disorders were awarded as contract trials in fall 2012. Also, the Rapidly-Acting Treatments for Treatment-Resistant Depression (RAPID) contracts, awarded in 2013, reflect a new mechanism for supporting clinical trials for compounds with potentially rapid antidepressant activity with a priority on efficiency and quality. Contract trials are monitored carefully for their progress to ensure that the stated goals and objectives are met on time.
Registration and Regulatory Oversight
In accord with FDAMA and ICMJE guidelines, all NIMH-funded trials (except observational studies) must be registered in ClinicalTrials.gov prior to receiving funding. This applies to studies of medications, devices, psychological, and psychosocial interventions in both our extramural and intramural programs. Registration will be a requirement specified in every notice of grant award for future clinical trials and will be monitored by extramural program officers and the intramural Office of the Clinical Director.
Publication and Data Sharing
It is not clear if the low and slow rates of publication reflect failed trials, publication bias, or delays in the publishing process. Whatever the reason, NIMH will continue to monitor the rate of publishing results from our clinical trials portfolio. Reducing the trial duration, monitoring progress, and encouraging data sharing should also help improve the publication rate.
Currently, a data sharing plan is expected for all projects over $500K/year in direct costs. Moving forward, NIMH will expect a data sharing plan for all clinical trials. The investment of public funds as well as research participation of subjects in clinical trials entails a commitment to the public good. We are developing a process for standardizing, integrating, and sharing clinical trials data that will be expected of all grantees.
Increasing Impact
NIMH could improve the performance, the transparency, and the reporting of our clinical trials but still fail to reduce the burden of mental illness. We have heard from our stakeholders that too many of our trials are scientifically rigorous and academically interesting but clinically irrelevant. The public is looking for impact, defined by either the development of new treatments or the demonstration of the best use of current treatments. The 2010 review of our portfolio by the NAMHC Workgroup raised questions about the impact of many of our trials, irrespective of their results.
The current dire situation for treatment development can be traced largely to the absence of new targets, based on an insufficient understanding of pathophysiology. Clinical trials have heretofore validated targets and demonstrated the importance of target engagement for modifying disease. The next generation of NIMH trials, supported by new Funding Opportunity Announcements (FOAs), will test for target engagement itself as a potential mechanism of disease. These studies, with either biomedical or psychosocial interventions, should prove informative even when the intervention does not prove efficacious because the goal of the trial is to learn about the disorder and not simply to demonstrate efficacy of the intervention. Information for applicants and reviewers what NIMH expects to be a new wave of clinical trials of great impact can be found here: http://www.nimh.nih.gov/funding/opportunities-announcements/clinical-trials-foas/index.shtml.
Doing More with Less
The NIMH budget cannot replace what industry has invested historically in drug development for mental disorders. Our role is different and our goals extend well beyond drug development. What we have done and will strive to do in the future is improve our understanding of pathophysiology so that both federal and private investment in treatment development can be targeted. But the kinds of trials described above are expensive, adding the costs of mechanistic studies to the already high costs of trials due to regulatory requirements and the challenges of recruitment. As a result, NIMH may well support fewer trials than in the past, but we expect greater yield because each trial should advance the field of therapeutics.
As federal support for research is being reduced,10 how can we propose to take on even more expensive trials? Going forward, we will need to leverage investments whenever possible. As just one example, the previously mentioned CTSA program is an investment of almost $500M to support the infrastructure of clinical research and clinical trials at academic health centers across the nation. The CTSAs have already developed a range of tools for electronic data capture, patient recruitment, and statistical support that should be considered by every NIMH applicant. Another opportunity for "doing more with less" is the use of large health care systems, often outside of academic medical centers. Bringing "practice to research" is increasingly popular for studies of services and epidemiology. Large health care systems can also be used for pragmatic trials, with cost-efficiency, speed, and impact that might not be possible in traditional academic research settings.
The future of clinical research requires a modification of how we do trials as well as what we study. In 2012, NIMH funded over 250 trials, investing about $100M. We are implementing significant changes to increase efficiency, transparency, reporting, and impact of our trials. We are mindful that clinical trials research is already challenged by regulatory burden and increasing costs on those whom we trust to perform trials. Some of the new tools developed by the CTSA network can facilitate the early stages of trials without increasing costs. We are developing mechanisms to ensure that trials are completed with efficiency, within budget, and to streamline the process for clearer, transparent, and uniform monitoring. The comprehensive and prospective use of ClinicalTrials.gov should provide greater transparency for our trials and a standard database for monitoring the duration to completion and publication of results.
There are extraordinary opportunities for innovation to develop the next generation of therapeutics.3 However, to ensure that we deliver on this promise, we need a better system for launching, completing, and reporting trials of both biomedical and psychosocial interventions. Clearly, the cost of inaction would be unacceptably greater than these steps towards developing more efficient and informative trials.
1. Hyman SE. Revolution stalled . Sci Transl Med. 2012 Oct 10. 4(155): 155cm11.
2. Fineberg NA et al. The size, burden and cost of disorders of the brain in the UK . J Psychopharmacol. 2013 Sep;27(9): 761-70.
3. Insel TR. Next-generation treatments for mental disorders . Sci Transl Med. 2012 Oct 10; 4(155): 155ps19.
4. Nass SJ et al. A national cancer clinical trials system for 21st century: Reinvigorating the NCI cooperative group program . Institute of Medicine Report. 2010.
5. Ross JS et al. Publication of NIH funded trials registered in ClinicalTrials.gov: Cross sectional analysis . BMJ. 2012 Jan 3; 344: d7292.
6. Olson S, Clairborne A. Accelerating the development of new drugs and diagnostics: aximizing the impact of the cures accelertion network . Institute of Medicine Report. 2012.
7. Mello MM et al.Preparing for responsible sharing of clinical trial data . N Engl J Med. 2013 Oct 24;369(17): 1651-8.
8. From Discovery to Cure: Accelerating the development of new and personalized interventions for mental illness. National Advisory Mental Health Council's Workgroup Report. 2010 Aug.
9. Marsolo K. Approaches to facilitate institutional review board approval of multicenter research studies . Med Care. 2012 Jul;50 Suppl: S77-81.
10. Wadman M. The NIH faces up to hard times . Nature. 2012 Sep 26.


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"I was able to personalize the address labels the way I wanted for my baby shower invitations. I had no problems with the paper or printing! My guests thought the labels were so cute!"
"These prop plane address labels are a must-have for every little boy! The simple, yet fun design will catch anyone's eye."
"I got these labels as a promotion, I was not expecting much because of this, but I was pleasantly surprised. The design, photo and color quality were very nice."
"My husband and I travel constantly, so this label fitted our lifestyle. The only thing I was not thrilled about was the small swirl the plane leaves in the air. In the label, the picture is light, and this swirl is hard to see, and therefore looks like a marking or a printing mistake. I would either enhance the color to make it stand out more or remove it altogether. Other than that, I am very happy with the labels."
"Easy to customize label. I used mine as a book plate. As described, the colors are vibrant. The "review/edit" process was quick. The delivery was also quick- just a few days. I even ordered more labels & had the new order even faster. This was an inexpensive way to get the exact book plate I needed. I will definitely order through Tiny Prints again and will recommend it to my friends. Glad I found this website."
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Just the Rules: Tosca's Guide to Eating Right
This book of 51 diet laws helps you stay healthy.Top Rated Diets of 2017
- Established: 2011
- Founder: Tosca Reno
- Accessibility: Book
- Diet Type: Eating clean
- Gender: Female
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Tosca Reno has written another book on being healthy and eating right. Her latest book Just the Rules: Tosca's Guide to Eating Right offers a clear cut guide to eating clean and getting healthy the right way. Reno is a New York Times Bestselling author and is widely known for her books on eating clean. This book is portable and offers you 51 different food laws that you can use no matter where you are. Just the Rules: Tosca's Guide to Eating Right gives you plenty of information on eating clean in a very concise way.
Some food basics are covered as well as recommended changes you can make for a healthier lifestyle. Tosca Reno has become an authority figure on the subject of clean eating since she was able to lose weight and become a fitness model in her 40s. She writes monthly columns and articles for Oxygen, Clean Eating magazines and many other fitness publications.PRO
- Promote clean eating
- Serves as a quick reference guide
- Offers 51 different food laws that can be used anywhere
- Written by bestselling author Tosca Reno
- Encourages a healthy lifestyle
- Takes eating to what our ancestors ate
- Complaints that the information can be found in other places
- Contains nothing new that wasn't in her previous books
- Encourages purchasing additional books for recipes and other information
Just the Rules: Tosca's Guide to Eating Right offers tips on eating clean that you can take with you wherever you go. This book includes 51 different laws that will allow you to make important changes in your diet. The types of foods you will be eating with this book include those that are natural, fresh and unprocessed. This book is great for busy moms, those that frequently travel, students or anyone wanting to make some quick changes. You are encouraged to eat more because you will be eating the right foods. Following the eat-clean diet involves eating five to six meals each day that include lean protein and complex carbs. One way to encourage this is going back to the basics of eating like a baby. This is because babies eat several times per day. Eating clean means eating every three hours to fuel your body. Some of the foods that should be avoided are those high in sugar, starch, fat, and those that include empty calories.
You are also encouraged to track your eating through a food journal. This will include portion sizes, when you eat and what you eat. Each week you can reflect on your previous journal and make any necessary changes. Setting goals is another important element with this Just the Rules: Tosca's Guide to Eating Right. Those that write down their goals are 50 percent more likely to succeed. Some of the other rules that you will find relating to food in this book include:
- Eat living foods – eat foods as close to their natural source as possible
- Color up – incorporate bold colors into your meals
- Eat more grass – make sure the meat and dairy products you consume come from grass-fed animals
- Celebrate in moderation and with thought – call unclean foods treats instead of cheats and think these through before eating
Exercise is an important element within Just the Rules: Tosca's Guide to Eating Right. You are encouraged to get moving and add some exercise into your routine. You are encouraged to start slow, especially if you have a lot of weight to lose. Some of the exercises you might engage in include:
- Elliptical machine
- Walking
- Jogging
- Dance classes
- Aerobics classes at the gym
- Bicycling
Just the Rules: Tosca's Guide to Eating Right is a nice follow up to Tosca Reno's other books on the subject of eating clean. This book gives more of an overview and includes several helpful hints and tips that you can start using right away. Those that are fans of clean eating and Tosca Reno will enjoy this book. This book can help you get on the right track towards eating clean and getting into the best shape of your life if you follow the directions given.Common Misspellings
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Definition of counterpoint
1a : one or more independent melodies added above or below a given melodyb : the combination of two or more independent melodies into a single harmonic texture in which each retains its linear character : polyphony
2a : a complementing or contrasting item : oppositeb : use of contrast or interplay of elements in a work of art (such as a drama)
Examples of counterpoint in a Sentence
The guitar and bass are played in counterpoint.
The dressing is a refreshing counterpoint to the spicy chicken.
The painting is a pleasant counterpoint to his earlier works.
The music works in counterpoint to the images on the screen.
Origin and Etymology of counterpoint
Middle English, from Middle French contrepoint, from Medieval Latin contrapunctus, from Latin contra- counter- + Medieval Latin punctus musical note, melody, from Latin, act of pricking, from pungere to prick — more at pungent
First Known Use: 15th centurySee Words from the same year
Definition of counterpoint
transitive verb
1 : to compose or arrange in counterpoint
2 : to set off or emphasize by juxtaposition : set in contrast counterpoints the public and the private man — Tom Bishop
Examples of counterpoint in a Sentence
The violence of the movie is counterpointed by ironic humor.
First Known Use of counterpoint
COUNTERPOINT Defined for English Language Learners
Definition of counterpoint for English Language Learners
music : a combination of two or more melodies that are played together
: a melody played in combination with another
: something that is different from something else in usually a pleasing way
Definition of counterpoint for English Language Learners
: to put two things together in a way that shows how different they are from each other
Learn More about counterpoint
See words that rhyme with counterpoint Spanish Central: Translation of counterpoint Nglish: Translation of counterpoint for Spanish speakers Britannica.com: Encyclopedia article about counterpoint
Seen and Heard
What made you want to look up counterpoint? Please tell us where you read or heard it (including the quote, if possible).


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Raptisandesh (New)
Business Journal (New)
NSA National Open and Age Group Swimming Championship from Saturday
Nepal Swimming Association (NSA) is all set to organise the Second NSA National Open and Age Group Swimming Championship at the Satdobato Swimming Pool from Saturday.
Oganising a press conference on Thursday, NSA informed that some 181 swimmers including 126 men and 55 women are set to participate in the event.
According to NSA general secretary Jagat Man Shrestha, the swimmers will compete for 58 gold medals including 24 in Open and 34 in age group categories.
The championship is also a part of selection of swimmers for the upcoming Asian Swimming Championship scheduled to be held in Dubai in November and 11th FINA World Championship to be held in Istanbul, Turkey in December, according to Shrestha.
Similarly, NSA also announced Rs. 5,000 cash reward to each player who sets new national records during the three day event. nepalnews.com


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The Defense Contract Audit Agency, under the authority, direction, and control of the Under Secretary of Defense (Comptroller), (USD(C))/Chief Financial Officer (CFO), Department of Defense.
The DCAA, while serving the public interest as its primary customer, shall perform all necessary contract audits for the Department of Defense and provide accounting and financial advisory services regarding contracts and subcontracts to all DoD Components responsible for procurement and contract administration. These services are provided in connection with negotiation, administration, and settlement of contracts and subcontracts to ensure taxpayer dollars are spent on fair and reasonable contract prices. The DCAA shall provide contract audit services to other Federal agencies as appropriate.
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Festivals everywhere —OB, Adams Ave., Mission Valley, and Palomar Mountain
Switchfoot, La Jolla murals, Island fest, Summer film fest, chili cook-off, and summer solstice celebration
Scott Ellis 12:30 p.m., June 21
Hillcrest eateries will open their doors to foodies and tasters alike for the 14th Annual Taste of Hillcrest.
Sample flavors of the Middle East from Eba's Lounge and Bistro, spices of the East from Bombay Exotic Cuisine of India, and feel-good classics from Harvey Milk's American Diner.
Don't forget to indulge in some sweet delights at the famed D Bar San Diego, and quench your thirst with over ten sample sips from San Diego's micro-brews.
From quaint cafés and budding bistros to five-star dining decadence, enjoy all the global cuisine Hillcrest has to offer.
Take a ride on the complimentary trolley or walk off each bite at this tasting excursion.
$30 in advance; $35 the day of the event. All proceeds benefit the Hillcrest Business Association. Info: 619-233-5008.
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When former Heller Ehrman shareholder Nancy Sher Cohen thinks back on what it was like to live through the aftermath of that firm's 2008 collapse, the memories aren't pleasant. And one of the most difficult things about that period, she says, was the pressure she felt from those overseeing her former firm's bankruptcy to make what seemed like a no-win choice: repay the Heller estate money she felt she had rightfully earned in order to satisfy creditors or face the threat of litigation that could drag on for years.
"It is a pretty darned awful experience," says Cohen, who is now a partner at Proskauer Rose in Los Angeles.
Some 700 former Dewey LeBoeuf partners facing a similar choice presumably know how she feels. They must decide by Tuesday whether to opt in to a proposed $90.4 million settlement plan that requires them to pay the Dewey estate between $5,000 and $3.5 million apiece to offset excess compensation they received in 2011 and 2012, as well as additional money related to tax advances and unpaid capital contributions. Those who sign on to the so-called partner contribution plan must also agree not to sue anyone connected to Dewey. Partners who agree to participate will receive a waiver from all liability related to the firm.
When Dewey advisers first unveiled the plan on July 11, they drew sharp criticism for, among other things, failing to demand more from the firm's former leaders. Hoping to overcome that resistance, the estate presented a revised proposal two weeks later that asks former executive committee members to pay a premium and lessens the burden on retirees and junior partners. Those working to pay off Dewey's creditors, who are owed more than $225 million in secured claims alone, have stressed that if a quick settlement isn't reached, the case could wind up in the hands of a trustee and become much more litigious.
Cohen, who ultimately went along with the Heller settlement rather than risk being sued, says that even though the Dewey partners may be having a hard time agreeing to contribute to a plan with which they disagree, the alternative is not much more appealing. "My heart goes out to those Dewey people," she says. "They are trying to find a solution to this problem that will not drag them through the mud for years to come. … And that's a worthy thought."
If Dewey's advisers persuade the requisite number of partners to settle with the estate quickly$50 million has been identified as the minimum sum that needs to be raised for creditors to even consider accepting the planit would represent a first in a law firm bankruptcy: a tidy unwinding. A review of what happened in the wake of a half-dozen other major law firm failuresfrom Finley Kumble's 1987 flameout to Howrey's dissolution in 2011shows that prolonged, acrimonious fights over how much partners owe their former firms are more typical.
And while the speed and scope of Dewey's settlement plan are unique, the underlying principle has been applied many times before. Bankrupt law firm estates typically ask that former partners return money received in a variety of forms, including: profits distributed after a law firm becomes insolvent (which would constitute a fraudulent transfer); loans extended to partners (including advances used to make tax payments); and the payment of any unpaid capital. (Apart from the claims pursued against former partners directly, bankrupt law firms also spend years pursuing so-called Jewel v. Boxer claims seeking the return of money related to business taken by partners to other firms.)
If a sufficient number of Dewey partners, some of whom have continued to express doubts about the plan even since it was revised, fail to sign on by Tuesday, lead Dewey bankruptcy lawyer Al Togut's hope that this law firm bankruptcy will be "different"a sentiment he has voiced at nearly every Dewey meeting and hearing since the firm's filed for bankruptcy May 28may go unfulfilled. Contacted Friday about what kind of support the plan has garnered so far, Togut and chief restructuring officer Joff Mitchell declined to comment through a spokeswoman.
Togutwho was involved in two of the most notable law firm collapses in modern history, Finley Kumble's and the 1994 collapse of Shea Gouldknows firsthand how long such cases can linger.
In the case of Finley Kumble, 10 former partners were still embroiled in litigation with the estate a decade after the firm filed for bankruptcy. As for Shea Gould, news reports show it took four years for 141 former firm partners to agree to a settlement plan that paid the firm's estate $5.4 million. At the time, the firm's advisers were still pursuing a total of $600,000 from nine former partners who refused to cooperate.
About a decade after Shea Gould's death, San Franciscobased Brobeck, Phleger Harrison dissolved in February 2003, ultimately liquidating via Chapter 7. In November 2004, the trustee in the case, Ronald Greenspan, presented a plan calling for 223 former partners to contribute to the estate. When the proposal failed to yield much in the way of a response by January 2005, Greenspan began filing suits aimed at recovering $275 million paid to Brobeck partners in 2001 and 2002a period during which, it turned out, the firm was already insolvent. (In something of a twist, former Dewey partner Bennett Murphy, who has not yet joined a new firm, represented Greenspan in the matter for a time).
By now, settlements with nearly 200 of those partners have added about $24 million to the Brobeck estate's coffers. In one high-profile example of a former partner balking at Greenspan's plan, former Brobeck chairman Tower Snow fought the trustee in court. The estate was seeking $2.7 million from Snow, the largest sum asked of any former partner. Snow and the estate settled the dispute in 2006. Though the terms were confidential, Greenspan wrote in court filings that Snow was offered a "discount" to encourage him to end the spat.
Coudert Brothers, which was considered one of the first international law firms, was the next large firm to fail, filing for Chapter 11 protection in September 2006. In a 50-page memorandum filed with the bankruptcy court about a year and a half later, restructuring adviser Goldin Associates laid out the factors at play in its plan to collect $11.8 million from 265 former partners. Within a few months, it had settled with about 80 percent of the partners in conjunction with a broader dissolution plan. (Goldin is also working on the Dewey settlement proposal. But while it took the firm a more than a year to craft what it considered the perfect formula in the Coudert case, it took just a matter of weeks to put together the first version of the Dewey plan. )
For the Coudert plan to succeed, a large number of partners in other countries had to agree to opt in, recalls Thomas Brislin, a former Coudert partner and executive committee member who now works in the finance industry. "I was called by a pretty good number of partners outside the U.S. [for advice]," he says. "I did recommend they all do it."
The two large law firms that followed Coudert into bankruptcy did so in the depths of the so-called Great Recession: Heller Ehrman and Thelen, which dissolved in October 2008 and voluntarily entered Chapter 7 in September 2009.
Heller began pursuing former partners in earnest in 2009, holding mediation sessions to go over the proposed clawback plan. Updating the court on the proceedings in May 2010, Heller advisers noted that "vigorous opposition" to the plan was expected. The settlement model had evolved, Heller's lawyers wrote at the time, to "a conservative approach intended to give former Shareholders an incentive to settle now or soon in order to avoid burdensome and costly litigation."
Thomas Willoughby, a Sacramento bankruptcy attorney who represents the unsecured creditors in the case and was the driving force behind the settlement, says the sums being sought by the estate included $9.5 million in what were described as excess profits, as well as money tied to loans given to partners and additional profits the estate deemed above and beyond what each lawyer should have earned.
Four years after the firm went under, the Heller estate has collected some $15 million from former shareholders, according to Willoughby. Meanwhile, a handful of Heller shareholders are still fighting the settlement.
Pat Gillette, a former Heller shareholder who is now a partner at Orrick, Herrington Sutcliffe, says she believes she and her colleagues from the defunct firm should have fought harderand that Dewey partners should not be scared to do so.
"You ended up being out there on your own if you were going to litigate," say Gillette, who did not end up litigating with the estate. She says she wondered, "Why aren't we fighting? Why are we rolling over? … It was aggravating."
In the case of Thelen, 250 of the firm's former partners were targeted. So far, $6.17 million has been pulled in via settlements with 130 former partners; the holdouts are involved in either settlement talks or litigation. According to court filings, the amounts collected from former partners are between 39 percent and 73.5 percent of what the estate hoped to bring in.
Former partners from Howrey, the most recent large law firm to fold prior to Dewey's collapse, have so far not been asked to repay money to the firm's estate. They won't be spared for long, however. Howrey trustee Allan Diamond said in a recent interview that he will pursue former partners for excess compensation they received, but isn't ready to do so yet.
Even if enough Dewey partners agree to the settlement, the plan still has to pass muster with creditors. Willoughy, Heller's unsecured creditor counsel, says the lack of what he calls a key figurethe amount of over distribution given to partnersdoesn't appear to be part of the equation in the Dewey settlement, which could provide a hold up. On its face, Willoughy says he suspects the amount being asked is far below the amount overpaid to Dewey partners.
"The question is really: Is it going to be such a big number sitting by itself that even if it's a small percentage of over distribution and profits, everybody will say, 'Let's just do it,'?" Willoughy says. "There's a momentum just in the number."
Related Stories:
Revised Dewey Partner Contribution Plan Would Take Bigger Bite from Former Firm Leaders, July 26, 2012
Proposed Settlement with Dewey Partners on Hold, July 19, 2012
In Early Reviews, Former Dewey Partners Pan Settlement Plan with Mix of Skepticism and Anger, July 12, 2012
Ex-Dewey Partners' Price Tag for Settling All Future Claims: $103.6 Million, July 11, 2012


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Cuisine: Japanese
Location: East Perth
I was riding on the bus travelling through the Perth CBD and passed this new Japanese restaurant called Nagoya Japanese Restaurant. It must be new or I haven't been very observant so I had a quick look to try and find this restaurant to see some reviews and made the trip to try it out. Situated just before Victoria Avenue on Adelaide Terrace, the restaurant has a large dining area both inside and out. Nothing fancy, quite plain, but I wasn't too bothered. There's plenty to choose from the menu so I settled on chicken karaage bento. I grabbed my ticket after paying and waited for my number to be called out and then took my bento box, grabbed some cutlery, and took a table outside. Lovely sitting in the warm sun which got far hotter unfortunately as the day progressed.
The great thing about the bento box is the variety. My chicken karaage bento came with a decent serve of lightly battered tender chicken; steamed rice; shredded cabbage; 2 sushi; fruit salad; pickled ginger; and a sachet of soya sauce for the sushi. The chicken was tasty but not as good as Jun's. I enjoyed the fact some dressing was added to the shredded cabbage which brought out the freshness of the cabbage and made it enjoyable to eat. Other restaurants have no dressing so the cabbage is dry and tasteless. One vegetarian sushi was provided which had avocado and was lovely. The other sushi was filled with tasty roasted pork. I particularly enjoyed this sushi. The other elements were enjoyable and the meal was more than filling. Lovely afternoon lunch.
Nagoya Japanese Food Review Summary
Verdict: If you're in the mood for Japanese and you're in East Perth, head down to Nagoya for dine in or takeaway. They have a range of dishes to choose from and the place seems popular as there was a steady stream of people coming and going and taking tables to enjoy their lunch. I enjoyed my chicken karaage bento and was filling. A cheap eat that is still tasty.
Price: Bargain
Taste: Delicious
Value: Excellent
Recommendation: Recommend
Nagoya Japanese Restaurant Details
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