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Please, be gentle. I'm sitting here bawling my eyes out and have no one IRL I can talk to. I'm such a mess, I need outside input.
Thought I had an amazing marriage..blablabla..you know the story if you are on BHB. I live in a small, tight, religious community that would not react well to what I am dealing with.
Went downstairs where DuH was studying. LO (little one) knocked his phone over, so I bent to pick it up. He flips. I look down, it's open to text messaging. Some weird ass text with a number, no name attached to it. Someone texts him asking how he is doing, when he will be back in the area. Ends by saying that they miss my DuH.
I pick LO (little one) up and leave room. He follows, begs, cries, it's not what I think. I start packing up a bag.He pitches fit, crying, I text person on phone. Story starts off as this is a guy DuH met at a bar, they are just friends, wanted to see how he was doing. Then it's some chick who was just texting him.
Long story short, I conforton him, after I find a slip of paper in his car with a girl's name and number on it. She has been selling him pot - he says he's only done it 3 x. Or so he says, I'm lost. Don't know what to do, or believe.
I left everything and everyone I knew and loved for this douche. So question: What would you do? How would you go forward? Would you just leave and screw him over as much as you could?
ETA: DuH works long hours, is salaried, no way of finding his actual work hours, and is out of town frequently for business.


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Gigaset C610A Duo Digital Cordless Answerphone Full Specifications
A nice high-quality answerphone with ECO mode
Great phone packed with useful features! The Gigaset C610A is a moden looking DECT phone with an impressive 45 minute recoring time on the answer machine. Direct call button is great for youngsters and the ealderly you designate a number that gets dialled with just one click on any button, integrated baby phone calls any number you specify internal or external as soon as the sound reaches a certain level in the babys room.
Handsfree, ECO Mode, Brilliant HSP sound are just a few more features that makes this phone a must for any family home
ECO DECT: Pure energy savings and radiation-free1
The energy-saving power supply of the Gigaset C610A Duo consumes less electricity3, so its kinder to the environment, and kinder to your wallet. Like all Gigaset cordless phones, it variably reduces the transmitting power from the handset to base station depending on their distance apart. You can also reduce the transmitting power of the Gigaset C610A Duos base station by 80%4 simply by selecting the ECO Mode. Furthermore, radiation-free5 ECO Mode Plus turns off the transmitting power when the phone is in standby.

subset: commoncrawl


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Bone Disorders Message Board
feels like someone is trying to pull out a bone in my spine HELP PLZ
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I saw a news story that purtox is going to someday be available as an alternative to botox. Will it be better or the same as botox injections? I guess it may help cut the cost of botox since they don't have competition now.
PurTox vs Botox: Will PurTox Be Better Than Botox?
Doctor Answers 3
Purtox will be another variety of Botulinum Toxin (Botox)
Purtox will just be another variety of Botulinum Toxin. There are several versions of Botox on their way to being approved (not yet) for use in the USA. These include Purtox and Reloxin. They each have slightly different formulations, but all work by the same mechanism.
So, one may have a quicker onset of action or a longer duration of action. However, we will not know for sure until they are used clinically. I think you are right that have more than one brand of Botulinum Toxin approved will help lower the prices.
Dr. David Shafer
Learn more: http://www.doctorshafer.com
Purtox vs Botox
I have been waiting for the release of Purtox which should have already been available.
From the knowledge that I have, it is as effective as Botox. Year after year, Allergan the distributors of Botox (they did not invent it), has raised its price. Of course, except this year which they held off in anticipation of the release of Reloxin and Purtox.
Since I intially purchased Botox in 1997, it has nearly doubled in price. My charges to the patient have remained the same. Many practicioners are eagerly awaiting the release of new products which can realistically challenge the virtual Allergan monopoly over the market. However, any of the emerging competitors have benefitted from the Allergan price increases because they can price their products at a higher purchase point then they could have several years ago.
PureTox vs. Botox vs. Dysport
Consumers and aesthetic physicians should welcome pending approval of PureTox. All of these botulinum toxins will be comparable in efficacy and longevity. There will be marketing efforts to distinguish nuances. Hopefully it will create greater competition among these aesthetic manufacturers to bring out more attractive promotion and cost savings.
Learn more: http://www.drwilliamting.com/Botox_Dysport.html
You might also like...
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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Silvia Kristel in Emmanuelle
This blog originates from the suggestions of two of our particular friends: S in Vancouver and B from Germany. In looking at erotic films it joins a very crowded part of the blogosphere but it is not, like some of its alternates, looking at any particular genre or type of erotic film. It is just an extension of what we have done recently in Venus Observations, where we started a series, which will continue, examining some films we went to see with a girlfriend in the eighties.
Rather than looking at dramas with erotic scenes we have decided, on the whole, to look at films whose prime motivation was erotic effect; although we have to say that with some French films, in particular, the overlap is such between serious drama and eroticism that the distinction is difficult to make. So we will just look at any erotic film that takes our fancy and some of the actresses in them. In this way the blog will combine some of the themes of its companion blogs, Venus Observations (which looks at solo women) and The Seduction of Venus, which looks at their interaction with others.
Oral fun in Betty Blue
Rather than looking at dramas with erotic scenes we have decided, on the whole, to look at films whose prime motivation was erotic effect; although we have to say that with some French films, in particular, the overlap is such between serious drama and eroticism that the distinction is difficult to make. So we will just look at any erotic film that takes our fancy and some of the actresses in them. In this way the blog will combine some of the themes of its companion blogs, Venus Observations (which looks at solo women) and The Seduction of Venus, which looks at their interaction with others.
Ingrid Pitt fails to resist the magnificent bust of Madeleine Smith in Hammer's The Vampire Lovers
Looking back in time to our early teens, mostly our burgeoning appreciation of the erotic in film had been confined to James Bond films and, in particular, Maurice Binder's enticing opening title sequences. We didn't see any sexy scenes on film until we caught late night showings of some of the Hammer Horrors of the Seventies on TV. Certainly The Vampire Lovers (1970) with its scenes of heretofor (at least for a teenage Triple P) undreamt of Sapphic seduction made a strong impression.
Ava Cadell in The Golden Lady (1979)
Whilst our memories of the first sexy film we saw on TV are somewhat blurred our memory of our first such film in a cinema is much clearer. We went, alone, to a midweek matinee showing of a double bill of Flesh Gordon (1974) and The Golden Lady (1979) one rainy day in Oxford. The film we wanted to see was Flesh Gordon, as we were interested in SF movies and had read about this in a book on science fiction films we had. In those pre-video days we thought we would never be able to see it so grabbed this rare opportunity. It was The Golden Lady, a just-released, low-budget British erotic thriller, that made the greater impression, however. One scene stuck in the mind, where a young, full-frontal Ava Cadell insouciantly walks towards the camera, a knowing smile on her face. That tiny scene carried more erotic charge than the rest of the film put together and showed that it was not just explicitness per se that was important in creating an erotic moment but how it was done. We will see more of Dr Cadell when we look at some of the films of Andy Sidaris in the future.
An unusual book rest in La Letrice
It was only when we first started going out with S in the late eighties that we started to seek out erotic films in the cinema. Or, rather, S did, as she chose many of the continental films we went to see at the National Film Theatre of London's South Bank. The NFT always had a good selection of racy European films on its monthly schedules and it was really the only place that you could catch movies like La Letrice (1988).
Rob Lowe and Meg Tilley in Masquerade
It wasn't all art-house fare though and, perhaps, in those days Hollywood was a bit bolder as regards sex scenes in films than they are now. Watching many of these films with S had a definite influence on her behaviour afterwards as she, at first perhaps, unconsciously and then more overtly, reenacted the scenes we had experienced together when we got back to her flat afterwards. There was a scene in Masquerade (1988) where Meg Tilley's character has her legs wrapped around Rob Lowe's in an energetic sex scene which caused S to comment, on our way back to the station, "that he must have been really deep inside her". Back at her place later that night she abandoned her usual girl-on-top attitude for a knees up to her shoulders missionary position; and very deep it was too.
Laura Gemser and Karin Schubert in Black Emanuelle (1975)
We didn't see any hardcore action (it was effectively banned in the UK then) until we started travelling to Rome a lot in the late eighties and early nineties. Our local Italian girlfriend picked up something for us to watch in her apartment one evening. We were surprised you could get hardcore so easily in Italy (certainly compared with the UK) but then Italian TV was much racier as well, with game shows including full frontal stripteases not uncommon. We can't be certain but we think the film in question was Emanuelle Nera (1975) starring the incomparable Laura Gemser which had a few hardcore inserts (rather badly) added to what had been originally been shot, as was not uncommon in this period where different versions were produced for different countries. This was the first time we had watched an erotic film with a girl in a domestic environment rather than a cinema. Apart from the slight surprise in discovering that some women wanted to watch explicit films, the films became a sort of foreplay in an even more immediate way than seeing them in a cinema.
Ai No Corrida (1976)
In 1991 the British Film Institute released the controversial Japanese film known as in the Realm of the Senses under an 18 certificate for showing in UK cinemas. We went to see it twice whilst it was showing at the Prince Charles cinema off Leicester Square which always had a reputation for showing racy movies. The first time we went with our male friend HMS and the second time with S, the original racy film girlfriend. We had moved on to different partners by then and she had moved to a different part of London so we didn't see each other so often.
Our trip to the cinema was her suggestion as a get-together. She chose the film on the basis that she liked Japanese art and had, in the past, given us a book on ukiyo-E art called Images of the Floating World by Richard Lane, which we still own. This book contained a couple of erotic shunga images and we assumed that she was aware of the nature of the film.
The girl gets the bird in Ai No Corrida
Having just seen it before we knew when the most explicit scenes were coming but we could sense her surprise and excitement as the film continued. What got her particularly in a tizz was a scene where a group of geishas penetrate one of their number with a wooden dildo carved in the shape of a bird. S said later that when they started to wave this object about at the beginning of the scene she had no idea what it was until it was graphically shoved into place. This directly led to her buying a dildo and getting Triple P to use it on her. Who said that watching films doesn't effect behaviour?
Jane (Rosa Caracciolo) thanks Tarzan (Rocco Siffredi) for saving her from the pygmies
Even more hardcore exposure followed when we started to visit Canada regularly from 1994. This was where we met S from Vancouver, who very quickly seduced us (the day after we met) in our hotel room in the Intercontinental in Montreal (still one of our favourite hotels even though it has been renovated to look quite different from its appearance in the nineties). We discovered, much to our amazement, that hardcore film channels were available on the hotel's TV system and S and Triple P spent many happy hours actually trying to find something that had some artistic merit in addition to explicit content. We were both quite taken by a Rocco Siffredi film about Tarzan, which was nicely photographed on location in Africa.
Jill Kelly and Chasey Lain in Chasey Saves the World (1996)
Triple P's friend Agent DVD went to live in Switzerland for a couple of years in the nineties and during a visit to see him we visited his local laserdisc (remember those?) shop. Triple P discovered a small adult section and, as an impulse buy bought Chasey saves the World which turned out to be a somewhat strange SF/zombie film which did have the odd good scene. We prefer our erotic films to have some semblance of a plot!
Tricia Devereaux and Tony Tedeschi have fun in the office in Bad Wives
We started to travel internationally very extensively from 2000 on and found a good source of the more exotic films was the DVD shop at Copenhagen airport. We tend not, on the whole, to like US produced hardcore movies but one of the better ones we got was Bad Wives (1996) which opened with an excellent sequence of a man and his secretary on the boardroom table which had a lot of resonance for Triple P at that point in time!
So much for the introduction, next we must start with our first film...but which one?


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Pittsburgh Post-Gazette Profiles David Bird '02, Who Made Two SCOTUS Appearances in One Month
From the Post Gazette website:
Just as every peewee football player fantasizes about appearing in the Super Bowl, law students who plan to be litigators dream of representing a client before the U.S. Supreme Court some day.
For most attorneys, that dream never comes true -- according to its website, the Supreme Court receives about 10,000 petitions every year, but typically hears only 75-80 cases.
But at the tender age of 37, David J. Bird, a senior associate for Reed Smith's Pittsburgh-based national appellate practice, appeared twice before the nine Supreme Court justices -- in just one month, November.
"To have them both come up for arguments in the same month is very unusual," said Mr. Bird, who ended up spending much of the month in Washington, D.C., with a welcome break for Thanksgiving to spend with his family at home in Shadyside.


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There may be a Link between Eating Disorders and Financial Income
Several mental health professionals that specialize in eating disorders often report a common ground with financial income and eating disorders. Doctors believe there is a common ground between the two.
Financial Aspect
The financial aspect is two sided even though the individual may earn a decent or even a very good income they may choose to spend the money on items besides food. Especially if they have an addiction such as cigarettes, alcohol and gambling. Therefore, the money to provide proper nutrition for themselves and even their family becomes a low priority. Often times in the eyes of a young girl or boy who does not know or understand that they money is being spent elsewhere may feel like they need to eat less so the entire family can eat. This is very common in girls with low self-esteem they may not feel worthy of the food provided for them if it is minimal and this can be an eating disorder trigger.
Low Income
With low income families the situation is similar the young girl or boy may choose not to eat much or at all and this too can lead to any eating disorder.
Of course, the parent(s) do not realize their daughter or son may be developing an eating disorder as a result of their actions. Kids are very good at hiding their emotions and eating disorders.
Source: http://www.businesswire.com/news/home/20110126006058/en/Eating-Money-Dis...
Find a Treatment Facility Near You
Click on a state below to find eating disorder treatment options that could be right for you.
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Other Articles By Rev. Paul Tellstrom:
At times, it does seem that we are climbing in place. And when we are at that place of doubt on the road, we can do one of two things; cave in to our doubts and fears about our purpose in life, or hear "Be Still and know that I am God", and we can feel that the ground is firm under our feet, and we can know that we are not alone on our respective journeys.
Uncovering Art


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Funeral History Unfolds in Houston
Odd, a little strange, and verging on just plain weird, Houston's National Museum of Funeral History offers plenty to see -- and plenty to talk about.
It's one of the last places you want to visit - the funeral home that is. But there is a rather odd and special museum in Houston that offers an interesting look into the past history of a profession that rarely gets the credit it deserves for the public service it provides.
Okay, perhaps it does seem a little strange at face value, perhaps a little dark or morbid. But one visit to the National Museum of Funeral History in the Space City and you'll understand this institution is serious about honoring those in the funeral industry who have paved the way for our proper burials - past and future. After all, where we would be without them?
With a national slogan like "Every day above ground is a good day," you can appreciate the rather odd sense of humor traditionally associated with the generally stoic individuals of the funeral industry. We have portrayed them in the movies as carrying around tape measures and sizing up just about everyone in town for future business. We honor them in our communities as rather quiet, caring individuals who are always available, night or day, to lend a hand at a difficult family time.
But in truth, most of us know very little about the rich history of the industry and how it has evolved from wrapping mummies in the Egyptian desert to the sophistication of modern day funeral services.
With over 20,000 square feet of exhibition space, the National Museum of Funeral History is the largest educational center on funeral heritage in the United States - perhaps the world.
Where else could you see an exhibit on Civil War embalming, or view a circa 1900 exhibit that shows how caskets were once made? The museum even sports a Hall of Fame section honoring the individuals who have significantly contributed to the industry down through the years.
A 1921 Rock Falls motorized hearse graces the museum exhibit area, an intricately made 19-foot hearse made of several types of fine woods. The historic hearse looks more like a piece of art than a last ride to the cemetery. This restored hearse exemplifies the elegance of craftsmanship among hearse builders of the 1900's.
On display at the Museum are 12 coffins carved to resemble forms ranging from animals to objects representative of the life of the deceased. The exhibition, presented in "A Life Well Lived: Fantasy Coffins of Kane Quaye" are coffins of a KLM Airliner, a Mercedes Benz, a Fish, a Fishing Canoe, a Leopard, a Chicken, a Bull, a Crab, a fish Eagle, a Lobster, a Shallot, and a Yamaha Outboard Motor.
These brightly colored and intricately designed wooden coffins were crafted by the Ghanaian sculptor Kane Quaye, also known as Seth Kane Kwe, in his homeland and by members of his workshop in Accra, Ghana. Each of the coffins is designed to capture the essence of the departed - be it a character trait, an occupation, or a symbol of one's standing in the community.
Quaye began crafting these "Fantasy Coffins" more than 30 years ago at his dying uncle's request for a special coffin. Because his uncle was a fisherman, Kane built him a coffin in the shape of a fishing canoe. Following the highly favorable response of the local community to his coffins, Kane opened his own workshop to produce personalized coffins, a craft he elevated into high art.
Pictured on the right are examples of the finely crafted caskets made in Africa. The unique designs are limited only by the imagination of those having them made. Coffins carved like wild animals, airliners, cars, footballs, tools, etc., and have been made and shipped worldwide.
For more information about the museum connect to their Official Web Site.
The National Museum of Funeral History
415 Barren Springs Drive
Houston, TX 77090
Phone:281-876-3063 Fax:281-876-4403


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Eadie on the road back
Page Tools
Burly sprint cyclist Sean Eadie will today saddle up for the next part of his Olympic quest and comeback from a serious knee injury when the Australian track cycling championships begin in Sydney.
The 35-year-old Eadie returned to international racing two weeks ago at the Manchester World Cup meeting after a nine-month lay-off, and was greatly encouraged by the speed he mustered. But, having been disqualified in the first round of the sprint because of an illegal move, he is also turning his attention to brushing the cobwebs off the tactical side of racing.
"To qualify fifth in 10.5 (seconds in Manchester), I was very, very happy with that. I was sort of looking at riding 10.6 at that stage," Eadie said yesterday.
"But then, I was a bit rusty on the old racing skills so I'll certainly be looking to try and brush those up this week before the World Cup in Sydney in two weeks' time.
"With probably another good 10 to 12 races in me this week, it will certainly give me a lot more of a feel back for the racing aspect of it," he said.
Eadie has set his sights on a number of targets at the nationals - to be held at Dunc Gray velodrome - as he aims to secure Olympic qualification: winning the standing lap in a time of 18 seconds or less, which "if I could do that, I'd be doing cartwheels of happiness to tell the truth", riding similar times to those he did in Manchester, and winning the sprint title.
Joining Eadie in the hunt for Australian titles this week is four-time world champion Shane Kelly, Queensland sprinter Anna Meares, and Sydney cyclist Rochelle Gilmore, who has temporarily departed the road in a bid to win her third consecutive Australian title in the points and scratch races.
The track cyclists are currently engaged in an important block of competition, with the Sydney leg of the World Cup to be held in two weeks, and the world championships to follow in Melbourne at the end of May.
Meanwhile, Italian Davide Rebellin continued his career revival by winning the 258-kilometre Liege-Bastogne-Liege one-day classic to record his third victory in a week.
Rebellin, the winner of last week's Amstel Gold Race and the Fleche-Wallonne on Wednesday, finished the fifth race of the 10-leg World Cup ahead of Dutchman Michael Boogerd and Kazakh Alexandre Vinokourov.
Five-time Tour de France winner Lance Armstrong continued his build-up to July's Tour by comfortably claiming his first victory in an American stage race since 1998.
Armstrong came into the final 142-kilometre stage of the Tour de Georgia with a 24-second lead and simply had to make sure that German Jens Voigt, in second place, did not break away.
- with AFP, AP


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London (CNSNews.com) - Britain said Thursday it would become the first country in the world to outlaw the cloning of human beings, but pro-life campaigners called the announcement an attempt to mislead voters, arguing that limited embryonic cloning recently legalized in Britain was in fact tantamount to human cloning.
UK Health Secretary Alan Milburn in a speech in northern England announced that legislation to ban "reproductive cloning" would be introduced within months.
The practice is already ostensibly covered in secondary legislation here, restricted to scientists who must apply for licenses. But the government has decided to enact new legislation in a bid to quell fears raised by recent advances in genetic technologies, and by Britain's recent legalization of "therapeutic cloning."
The pro-lifers attacked attempts to draw a distinction between "reproductive" and "therapeutic" cloning, saying both were unacceptable ethically.
"Reproductive" cloning is the manufacture of a human being in a laboratory by inserting the genetic material of a born person into a woman's egg that has been stripped of its own. It's envisaged the cloned embryo would then be implanted in the womb of a surrogate mother, and carried to term.
A controversial Italian scientist recently caused an international storm when he announced he would attempt this shortly, and in doing so thanked Prime Minister Tony Blair for making it possible to go ahead with his own plans.
Britain earlier this year became the world's first country to authorize what the government calls "therapeutic cloning." An early-stage human being is likewise cloned in a lab, but in this case the embryo is destroyed after 14 days, once researchers have harvested it for stem cells - immature cells with the ability to transform into other types which may be used to help treat serious diseases.
For those who believe life begins at the moment of conception, the primary difference between the two is the lifespan of the two cloned beings.
What the new legislation would actually ban, said the Society for the Protection of Unborn Children, was "the introduction of cloned human embryos into wombs of women ... but the creation of human clones for the purposes of destructive experimentation and the extraction of stem cells would still be allowed."
Another pro-life charity, Life, said Thursday Milburn's announcement was "pure political spin, designed to make the government look good in time for the general election," expected within the next several months.
Life's research director, Peter Garrett, said the government was trying to make people believe that therapeutic cloning was not really cloning.
"But of course it is," he said. "It creates copies of born human beings who are allowed to live up to 14 days, when they are cannibalized in order to provide stem cells for research. Those human beings are to be produced with the deliberate intention of destroying them once their stem cells have been plundered.
"Strictly speaking, this procedure is reproductive because it produces human beings who are allowed to develop up to the embryonic stage," Garrett said.
"Far from being the first country to ban human cloning, as some claim, we have become the first to legalize it. The Labor government is the architect of this form of exploitation of human life, not its opponent."
Britain's only overtly pro-life political party, the Pro-life Alliance, added its voice to the criticism, saying in a statement the same government that "approved human cloning" and forced it through parliament last January, now "proudly claims that Britain will be the first country worldwide to ban human cloning."
"The rest of the world will think our country has finally lost its senses and is running round in circles."
"If the government really wants to gain the respect of international communities and conform to ethical standards, it should take note immediately of the European Convention on Human Rights and Biomedicine, which opposes both reproductive and therapeutic cloning, as does any scientist of integrity," a spokesperson for the Alliance said.
Milburn made his announcement Thursday in the context of a speech also outlining ways in which the government planned to make Britain a world leader in the genetic healthcare revolution.
It would increase the number of health and scientific specialists working in genetics and provide funding for genetics research institutions. Investment would also be made in the field of genetic screening, and women with an inherited risk of breast cancer would be offered free genetic tests.
Milburn gave an assurance that insurance companies would not be able to use the results of genetic tests to discriminate against patients with a genetic predisposition to a serious disease.
Consumer groups have expressed concern that some people may find themselves "uninsurable" or have their premiums hiked because their insurers discover a genetic weakness.
One UK newspaper reported that a consultation paper circulating among insurance companies recently suggested that policies may either have to exclude certain cancers altogether, or premiums would have to rise in general.
Liam Fox, the Conservative Party's health spokesman, said in a recent speech to party activists that the genetic revolution carried "moral, ethical and philosophical consequences which must be confronted."
At the same time, he warned, "there is always the danger of the unpredicted outcome or the unforeseen consequence."
Fox, who holds strong pro-life views, said he believed all reasonable people would accept that "just because we can do something it does not follow we should do it."
He called for the establishment of "a moral and ethical framework within which all citizens are obliged to operate when considering whether scientific boundaries should be pushed back."
Fox said a future Conservative government would as a first step set up a National Ethics Committee.
See Earlier Story:
Cloning Of Human Embryos Passes UK Parliamentary Hurdle (Jan 23, 2001)


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Improve design of theme. Simple
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Euro delivery Discount on Options for M6?
Does anyone know what I should expect to pay for a fully-loaded M6 convertible, with Euro delivery to U.S. -- preferably Virginia, but willing to consider anywhere on the east coast. One salesperson has said that the discount is 7% for the base price ($115,595), but no discount on options ($20,155) -- therefore, total of $135,750 before any discount. A salesperson from a different dealership has said that they only make about 9% on the options, and therefore, 7% on the base price and up to 9% on the options. I am looking to take delivery in Germany in April 2013.
2013 Euro Delivery M6 convertible me too
I also am planning an April delivery can you get pricing?
At the top of the column on the right change U.S.A. Port of entry to Euro Delivery Munich Pickup. Then select all the options you want.
Ps. Here is a link to that website:
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AUSTIN, Texas -- Outside of a Texas Longhorns message board, who honestly had heard of Carrington Byndom and Quandre Diggs a year ago? What was out there, if anything, likely wasn't all that positive.
They were Texas' young, unproven cornerbacks, and not much was expected of them. Byndom had played in a handful of games as a freshman. Diggs was a freshman.
"Nobody thought we'd be any good," said secondary coach Duane Akina, who is in his second stint at the school known to some as "DB U." "People thought we'd be down there (ranked) in the 100s. We were too young, too short, too this ..."
Now, though? They are considered one of the top 1-2 corner combos in the country. That thought made Byndom laugh, given where they were last July.
"That's kind of how it is," he said, shaking his head. "You're no one, you're someone. It's all the same to us."
Texas' cornerbacks are just one position group around the country that has a high ceiling, a great potential for growth and improvement this fall based on youth and the ability of those returning. Others in the five major conferences are in similar spots.
Even if the outside world didn't know much about Byndom and Diggs, Akina had a pretty good feel for them exiting their first spring together.
Byndom (6-foot, 180 pounds) and Diggs (5-10, 200) weren't going to appear physically imposing to anyone on first glance, but they were solid corner guys in the base man coverage -- and they'd knock your block off. That was especially the case for Diggs, the younger brother of former Longhorn and current San Diego Charger Quentin Jammer.
"What you can't measure," Akina said, "is the type of individuals they are."
That was on display as they learned on the job. They got turned around often when the Longhorns surrendered a season-high 367 passing yards in an embarrassing rout against Oklahoma in the Red River Rivalry. But they improved as the fall went along.
"I think we started to feel more comfortable in the spot that we were in," Byndom said. "We knew we were going to be considered the inexperienced guys, things like that. We had a lot of questions behind our names. We're not big stars or anything.
"Getting out there in each game, just the knowledge and experience came with it. But we knew, the way we played, that we'd be just fine."
The Longhorns didn't surrender a passing touchdown of more than 20 yards until the regular-season finale, against Baylor and Heisman winner Robert Griffin III. The overall numbers were impressive, too. Despite playing in a league with several accomplished QBs (RG3, Brandon Weeden, Landry Jones, to name a few), Texas finished in the top 10 in the country in both yards per pass attempt allowed and passing efficiency defense.
Between the corners and the defensive line, bookended by Jackson Jeffcoat and Alex Okafor, Texas looks capable of improving on last year's finish as the No. 11 defense in the country.
Clemson Tigers linebackers
Brent Venables comes to the Tigers after coaching the linebackers position at Oklahoma since 1999, when Bob Stoops arrived in Norman. He wants his defense to be grounded in fundamentals, and he has said that's what he tried to drill into his players this spring.
Tony Steward and Stephone Anthony, highly touted prospects, are both sophomores who were forced to play a number of snaps as freshmen. Justin Parker and Lateek Townsend were likewise big-catch recruits, now soaking up Venables' teaching. Corico Hawkins, the senior leader at the position, was third on the team in tackles in 2011.
If the Clemson defense is to improve in 2012 -- and it needs to, following an offseason of jokes about giving up 70 points in the Orange Bowl -- then it will be the linebacking corps leading the charge for change. The talent is there, in a new, simplified scheme, to make it happen.
Big Ten
Ohio State Buckeyes defensive ends
Urban Meyer didn't just inherit a quarterback that fits well in his system; the Buckeyes are loaded on the defensive front, with All-American John Simon on one end and Johnathan Hankins -- who ranked 11th on Mel Kiper's first 2013 Big Board -- on the other.
Simon and Hankins combined for 27 tackles for a loss, 10 of them sacks, this past season. Supporting those stars are the No. 2 (Noah Spence) and No. 7 (Adolphus Washington) overall prospects in the ESPN 150 for the 2012 class. Spence and Washington, both ends, could be ready this fall to provide rotational depth for Simon and Hankins.
What will be interesting to watch is former Buckeyes standout Mike Vrabel's evolution as a coach. Now in his second year as an assistant (and first with the D-line), there's bound to be more comfort within Luke Fickell and Everett Withers' defense.
The Buckeyes' defense was good last season (34th nationally in yards per play allowed), but a step up in performance from the talented D-line would give them an opportunity to be great in Meyer's debut campaign.
Big 12
Oklahoma Sooners safeties
The ball sailed over their heads quite a bit last season, when the Sooners gave up 241.5 passing yards a game (79th in FBS), but Mike Stoops is back at OU and he didn't wait long to start making personnel changes.
Tony Jefferson was a more natural fit at free safety than linebacker -- Jefferson played free the final two games of the season in 2011 -- and Javon Harris, often the goat on the breakdowns, moved to the strong side. That's where Aaron Colvin had been, but he was injured in the spring. He could still stick at strong, if Harris doesn't pan out, but the preference is that he play the corner opposite Demontre Hurst.
With Jefferson and some combination of Colvin and Harris, this unit figures to be a lot stronger. The Stoopses are counting on it. And for a team that took two of its three losses last season in large part because of a leaky pass defense (a combined 920 passing yards allowed in losses to Texas Tech and Baylor), that could be a real difference-maker in 2012.
UCLA Bruins quarterbacks
Regardless of whichever QB plays for first-year coach Jim Mora Jr. -- he has said it will be determined in the middle of August -- at least there will be no more pistol formation with which to reckon.
Redshirt freshman Brett Hundley certainly appears to be the leader, even if Mora isn't saying it. He used his redshirt season to bulk up to 6-4, 225, and he appears physically ready to play in the Pac-12.
If Hundley falters, Richard Brehaut might also be capable. He showed adept touch on the deep ball in the spring game, finishing with as many touchdowns (four) as incompletions.
The question for Hundley and Brehaut is whether the line in front of them will allow for enough time to make throws. If not, that's where Hundley's running ability could come in handy.
Additionally, the Bruins' offense may not have been as bad as it appeared last season. Although they ranked 87th in the nation in points per game, they finished 39th in yards per play (and 25th in yards per pass attempt). That's a pretty significant disparity, one that was undoubtedly influenced by their high turnover numbers (they gave away the ball 26 times last season).
A breakthrough playmaker named Steven Manfro is another reason why UCLA's QBs will have the opporunity to shine in 2012.
Tennessee Volunteers receivers
Just imagine how stacked this unit would be if DeAnthony Arnett hadn't transferred to Michigan State. Even so, Tennessee is very quietly loaded at the receiver position, much to quarterback Tyler Bray's pleasure.
One SEC assistant coach said Justin Hunter and Da'Rick Rogers could be this year's version of West Virginia's Stedman Bailey and Tavon Austin -- a nearly impossible-to-cover tandem on the outside. But that statement did come with caveats: if Hunter is 100 percent in returning from the torn ACL that cut short his 2011 -- and if Rogers, who caught 67 balls for 1,040 yards last season, can keep his attitude in check (Bray will need to stay healthy this season, as well).
And there are factors beyond those talented top two pass-catchers, including tight end Mychal Rivera and junior college transfer Cordarrelle Patterson. Don't be surprised if the Vols' passing attack makes a breakthrough in 2012.


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NPR's Liasson touted McCain's "maverick conservatism," bipartisanship as "what voters are looking for now," ignoring voters' rejection of his view on Iraq
Research ››› ››› JOSH KALVEN
In reporting on recent speeches by Sen. John McCain, National Public Radio's Mara Liasson uncritically reported his argument that "his brand of maverick conservatism ... is what voters are looking for now" and asserted that the "role of independent and moderate voters" in the midterm elections "reinforces McCain's appeal as a general election candidate." She did not mention that McCain is at odds with a majority of voters on Iraq -- including most independents -- who disapprove of the war and favor some type of U.S. troop withdrawal.
On the November 17 broadcast of National Public Radio's Morning Edition, national political correspondent Mara Liasson reported that Sen. John McCain (R-AZ), in two speeches a day earlier, had made "the implicit argument that his brand of maverick conservatism and his history of working across party lines is just what voters are looking for now." Liasson went on to assert that the outcome of the midterm elections -- particularly "the role of independent and moderate voters" -- "reinforces McCain's appeal as a general election candidate." But Liasson's report ignored one of the key differences between McCain and most voters -- his continued support for the Iraq war -- a difference that undermines her assertion that the election "reinforces McCain's appeal." Independent voters cited their opposition to the war as one of their top reasons for voting Democratic this year.
In a November 17 New York Times article on the speeches, chief political reporter Adam Nagourney noted without challenge that McCain "used the talks to reiterate his position on Iraq, urging Washington not to take the wrong lesson from the election, and arguing that the way to success was through increased troop strength." Like Liasson, Nagourney failed to mention that exit polls from the midterms showed that a majority of American voters -- including most independents -- disagree with McCain's position on Iraq.
As Media Matters for America noted in response to a November 9 Washington Post article, the assertion that independents' role in returning control of Congress to the Democrats bodes well for McCain is contradicted by polling that shows that, while McCain continues to support the war, independent voters increasingly do not. Indeed, polls conducted in the weeks prior to November 7 and on Election Day show that independents' growing support for Democrats was largely a function of the Iraq war:
- An October 19-22 Washington Post/ABC News poll found that independent voters favored Democratic candidates over Republicans by a margin of "roughly 2 to 1 -- 59 percent to 31 percent." The poll further found that the largest share of voters -- 27 percent -- cited Iraq as the "most important issue determining their vote in November" and that "[i]ndependents are almost as likely as Democrats to cite Iraq as the single most important issue in the campaign."
- A November 9 New York Times article reported that approximately 60 percent of independents -- "driven by their distress over the Iraq war, disapproval of Congressional leadership and concern about the direction President Bush was leading America" -- voted for Democrats on Election Day, according to exit polls.
Nonetheless, in her report on McCain's November 16 speeches to the Federalist Society and GOPAC, Liasson uncritically reported McCain's "implicit argument" that "his brand of maverick conservatism ... is what voters are looking for now" and asserted that the "role of independent and moderate voters ... reinforces McCain's appeal as a general election candidate." From the November 17 broadcast of NPR's Morning Edition:
LIASSON: The speeches were McCain's attempt to lay claim to the message of last Tuesday's elections and to make the implicit argument that his brand of maverick conservatism and his history of working across party lines is just what voters are looking for now.
He urged Republicans to return to what he called common sense conservatism.
McCAIN: We were elected to reduce the size of government and enlarge the sphere of free and private enterprise. We increased the size of government in the false hope that we could bribe the public into keeping us in office, and the people punished us. We lost our principles and our majority, and there is no way to recover our majority without recovering our principles first.
LIASSON: What happened last Tuesday -- in particular, the role of independent and moderate voters -- reinforces McCain's appeal as a general election candidate. But he's still left with his vulnerabilities as a Republican primary candidate. David Kean, the chairman of the American Conservative Union, says the midterms elections should leave McCain feeling both elated and nervous.
In her report, Liasson never once mentioned the Iraq war or McCain's position on the issue.
But McCain did discuss Iraq during the speeches, as Washington Post staff writer Dan Balz reported in his November 17 article:
McCain said public frustration with the war contributed to the GOP's losses. "We're in one heck of a mess in Iraq," he said, "and the American people told us loud and clear last week that they are not happy with the course of this war. Neither am I. But let's be clear: That's the limit of what they told us about Iraq and the war on terrorism."
He said the United States has made "a great many mistakes in this war, and history will hold us to account for them just as the voters did last week." Defeat would be "a catastrophe," he said.
Earlier in the article, Balz had made clear that McCain's position on the issue of Iraq was at odds with the White House, the military, and the public at large:
McCain also defended his call for sending more troops to Iraq, a position that puts him at odds with the public and, so far, with President Bush and Army Gen. John P. Abizaid, the head of the U.S. Central Command and the overall commander of U.S. forces in Iraq. "Without additional combat forces, we will not win this war," McCain said.
In contrast, Nagourney noted McCain's insistence that Republicans not "take the wrong lesson from" the impact of Iraq on the election but ignored the results of exit polls from November 7 showing that a majority of voters supported withdrawing some or all troops from Iraq, while only 17 percent backed McCain's proposal to send more troops. From Nagourney's November 17 article:
But Mr. McCain also used the talks to reiterate his position on Iraq, urging Washington not to take the wrong lesson from the election, and arguing that the way to success was through increased troop strength.
"In no other time are we more morally obliged to speak the truth to our country, as we best see it, than in a time of war," he said. "So let me say this, without additional combat forces we will not win this war."
"As troubling as it is, I can ask a young marine to go back to Iraq," he said. "What I cannot do is ask him to return to Iraq, to risk life and limb, so that we might delay our defeat for a few months or a year. That is more to ask than patriotism requires."
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Cleaning services which provide maids and other home help are a lot easier to access these days. There are tons of new agencies which have popped up over the last five years, creating a competitive industry climate which has driven the prices down a lot. In most places across the world it is very common to have a maid in the home, even for people that don't make a ton of money, but the maid culture in our own country has only recently started to appear. The demand for cleaning services in the home is starting to pick up, and agencies such as, www.dkdustbusters.com, are beginning to see amounts of growth which could drive the home cleaning industry towards the top of the list of all home services. It is going to become more and more common to see people with maids in their homes in the near future. There are many different kinds of people who could benefit from having a maid in their home, so here we discuss some types of people that might want to consider a maid service.
Perhaps the largest consumer of maid services in the country today is the elderly. Older people need extra help around the house when they get older, and that is just a fact of life. Residential cleaning services can be hired to visit a home every day, or once a week. There is no minimum number of visits that a maid service places on their visits, since each job is paid for separately. Some older folks are in generally good health and need only an occasional visit from maid services, while others have more limited mobility and may require a maid services every day. Residential cleaning services are designed around the needs of each individual client. Maid services are not only there for washing and cleaning either, as most maid agencies have staff which are able to help out around the house in any number of ways. Maids can help take care of pets, do the grocery shopping and even pay bills if needed. There are very few older people who couldn't benefit somewhat from a maid service in their homes.
Single parents are another group which frequently requires a maid. The average single parent has a hard enough time working all day and trying to keep up with a child's school work without adding cleaning and cooking to the list of things they have to do at the end of their long days. Maid services are able to provide single parents with a huge amount of extra times which they would otherwise have to devote to taking care of things in the home. Single parents can worry less about washing the clothes and getting the food on the table, and instead they have more time to devote to spending relaxing time with their kids. In many states the government even provides financial assistance to single parents in order to make it easier for them to get help from a aid, or from a similar home assistance agency.


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By Kari Hawkins, USAG RedstoneFebruary 18, 2010
REDSTONE ARSENAL, Ala. In a little less than a week, Garrison commander Col. Bob Pastorelli will be showing his boss -- the commander of the Army's Installation Management Command -- why Redstone Arsenal and its Garrison employees are among the best in the Army.
And, oh, what a show he will be able to present.
From the new Army Materiel Command headquarters under construction to the spacious and kid-friendly School Age Services building, from the modernized guard gates to the new Child Development Center being built on Mills Road, from the expanding and state-of-the art bowling center to airfield upgrades, Garrison employees are indeed shaping the future look, capabilities and services of Redstone Arsenal. About 2,000 Garrison workers provide services for a community of about 33,000 employees, 3,287 active duty Soldiers with 8,218 family members and 78,843 retirees with 157,686 family members.
Topics like Enhanced Use Lease, family readiness groups, road upgrades, expanding on-post shopping and dining offerings, community-related activities and providing the best services possible for the Arsenal's growing community will likely be reviewed and discussed during the Feb. 22-23 visit of IMCOM commander Lt. Gen. Rick Lynch.
And, hosting Lynch's visiting agenda will be Pastorelli, who serves as the unofficial mayor of Redstone Arsenal.
"Lt. Gen. Lynch is currently working on his campaign plan (that will guide IMCOM's mission focus during the next few years)," Pastorelli said of the new IMCOM commander.
"He has given us his commander's intent for IMCOM (to be 'The Sustainable Army Community of Excellence') with guiding principles in four areas - installation readiness, Soldier and family well-being, leader and work force development, and Soldier and family readiness. And we've been given the initial guidance to go forward with that as we transform the Army and its installations into what they need to be for the future."
For Pastorelli, sharing with Lynch what Redstone Arsenal is all about will be an opportunity showcase what the Garrison work force has accomplished and the goals it is focused on for the future.
"2009 was an outstanding year for the Garrison," said Pastorelli, who relies on an 18-member management team to coordinate Garrison programs.
"We were able to accomplish many goals and objectives, and those accomplishments are carrying over into 2010 to make this a good year, also. In everything we do, we want to be the Army premiere Garrison for customer service now and into the future."
In 2009, much of the Garrison's focus was on "maintaining visibility and tracking of BRAC (base realignment and closure) construction and the movement of people," the colonel said. "Part of that means we must continue our success in building new and stronger relationships within Team Redstone and the community."
Although the Arsenal's Soldier population is relatively small and diminishing due to BRAC changes, Pastorelli said the Garrison's support to the Arsenal's civilian and contractor community has a positive effect on Soldiers Armywide who rely on Arsenal technology, products and services to be successful.
"We want to ensure that our tenants are successful in their mission. That is the key to our success," he said. "We hope our customers see us as value added. We have their interests at heart. We want to be a force multiplier for all Garrison customers."
Many of the Garrison's goals are visible to the entire Arsenal community because they often involve brick and mortar. In 2009, the Garrison celebrated the opening of the 2nd Medical Recruiting Battalion and the School Age Services building, upgrades to guard gates at several Arsenal entry points, the beginning of construction on the Redstone Test Center's new airfield facility and headquarters, and completion of the initial development plan for the Arsenal's privatized housing project.
Other goals that were less visible to the entire community - but that improved customer service and quality of life - included enhancing ICE (interactive customer evaluation) and other feedback mechanisms, putting extra guards on Gate 9 during early morning rush hour traffic, transitioning computer support services from the Garrison to the Army Network Enterprise Technology Command, conducting a full-scale force protection exercise, hosting several community, state and Army dignitaries, providing biodiesel fuel for government vehicles, hosting Retiree Appreciation Days, and offering several Family and Morale Recreation and Welfare activities, including the summer concert series with Sugarland and Oktoberfest.
In 2010, as construction continues on buildings for the Army Materiel Command, Missile Defense Agency and Redstone Test Center, among others; as older facilities, such as the Program Executive Office for Missiles and Space headquarters, receive upgrades; and as other new tenants look for Arsenal locations for new facilities or expansions, Pastorelli's staff will continue to provide support. The year will bring yet another tenant - the Army Contracting Command - moving from Fort Belvoir, Va., to the Arsenal.
"That means we will have the senior contracting headquarters for the Army right here at Redstone Arsenal," Pastorelli said of the 300-employee command.
One top program for 2010 will be establishing the Enhanced Use Lease program, which will involve 470 acres of land near Gate 9 that will be converted to office space for administrative needs, educational programs and related businesses.
"We want to conduct a groundbreaking and the initiation of the construction effort on EUL this year," Pastorelli said. "EUL is essential to our expansion in order to help with the over 1 million square-foot shortage we have for space requirements on the Arsenal. It will continue to build and enhance the Arsenal community."
Also at the top of the list is the expansion of Martin Road, which will include upgrades to Gate 7, addressing the need for dining options along Martin Road and energy efficiency.
"Martin Road is the number one priority that is a challenge for us," Pastorelli said. "As we expand so does the need for the Martin Road expansion. We also have to focus on cafeteria requirements for the Army Materiel Command, and enhancing efficiencies postwide. Energy conservation has not yet come to the forefront of what we do."
Last year, the Arsenal consumed $62 million in energy usage. The Garrison must find ways to reduce energy consumption by 2 to 3 percent per year.
Other programs for 2010 include the transition of gate guards from contractor to Department of the Army civilians, the reorganization of the Garrison Directorate of Logistics with the Directorate of Materiel being aligned with AMC and the Directorate of Services remaining with the Garrison, supporting a growing list of programs for military families, increasing efforts in the area of work force revitalization, and working with community leaders on Arsenal-related road projects, educational initiatives and work force development programs.
"Community outreach is essential to our growth," Pastorelli said. "We must work with local, state and federal representatives in addition to schools and other specific groups to bring improvements to Redstone Arsenal as well as to Madison County and North Alabama."
In 2010, the Garrison will be involved in a community-wide recommitment to the Army Family Covenant and the Army Community Covenant.
Even as the Arsenal's population grows - and with it the demand for Garrison services - Pastorelli said Garrison employees must keep a close eye on budget issues.
"We have to balance the cost culture versus the budget culture," he said. "We have to continue to sustain quality services while also producing savings, avoiding extra costs and improving efficiencies.
"The Garrison budget is our biggest challenge. We have to continue to look at ways to save money while still supporting customers at the level of support they expect. We're still reviewing all segments of the Garrison budget. The Garrison mission is to provide services. But there may be a need to cut back on certain services."
Even with budget concerns to address, Pastorelli remains confident the Garrison will continue to provide high quality services to the Arsenal's tenants.
"I remain optimistic that the Garrison will indeed rise to the occasion in providing the best customer service on Redstone Arsenal," he said. "The Garrison staff is second to none throughout IMCOM. Employees are fully focused on the customer and we are always looking introspectively to ensure we are always moving in the right direction to meet customer needs. We have some of the best professionals in the Army right here at the Garrison."


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How to Fill Out Bankruptcy Schedule E/F: Creditors Who Have Unsecured Claims
On bankruptcy Schedule E/F, you list priority unsecured debts and nonpriority unsecured debts. Learn what those are and how to fill out the form.
When you file for bankruptcy, you must fill out a large packet of forms and provide information about your income, property, debts, and financial transactions. On one of those forms, Schedule E/F: Creditors Who Have Unsecured Claims, you must list all of your creditors that have unsecured claims against you. An unsecured claim is a debt that is not secured by property (debts secured by property include your mortgage or car loan). Priority unsecured debts—such as unpaid taxes and family support arrearages—get special treatment and are paid before nonpriority unsecured debts—such as credit card debt and medical bills.
For more information on how to complete other required bankruptcy forms, see our Completing the Bankruptcy Forms topic area.
How Bankruptcy Works
In a Chapter 7 bankruptcy, most of your nonpriority unsecured debts are wiped out, or "discharged," although there are exceptions. You're allowed to keep enough property to live and work, called "exempt" property. But you must give up nonexempt property. The bankruptcy trustee sells this property and uses the proceeds to pay your creditors. (To learn how this works, see Bankruptcy Exemptions: What Do I Keep When I File for Bankruptcy?)
In a Chapter 13 bankruptcy, you make monthly payments for three- to five-years using your discretionary income, which is the money left over after paying for necessary monthly living expenses. The bankruptcy trustee pays your creditors in the order set by bankruptcy law. Once you successfully complete your plan, the balances of your dischargeable, nonpriority unsecured debts are wiped out.
What Are the Differences Between Secured and Unsecured Debts?
You likely realize that if you don't pay your mortgage or your car payment, your creditor can foreclose on your home or repossess your car. When you bought the property, the creditor required you to "secure" repayment of the loan by agreeing to allow the creditor to sell your house or car—called "collateral"—if you fail to pay your bill. Although there are other ways to secure debts, it's always tied to property you must give up if you don't fulfill your payment obligation. (To learn more about this see Secured v. Unsecured Debt).
In contrast, unsecured debt is not secured by property. If you don't make your credit card payment, or you fail to pay a medical bill, your creditor can't take back the ski pants you bought, or reverse your medical treatment.
What Are the Differences Between Priority and Nonpriority Debts?
Priority claims are typically nondischargeable debts that receive priority treatment. This means that they don't go away in bankruptcy and that they get paid before your other obligations. The most common priority claims include alimony, child support, and certain tax obligations. But there are several other types of priority claims. To learn more about priority debts, see What Is a Priority Claim in Chapter 7 Bankruptcy?
Examples of nonpriority, unsecured debts include credit card debt, medical debt, personal loans, student loans, utility service arrearages, judgments from lawsuits, and the like. Most of your nonpriority, unsecured debts you list on Schedule E/F will be discharged at the end of your bankruptcy. Of course, some of those creditors might be paid in full or part during the bankruptcy if you have nonexempt property that the trustee sells in a Chapter 7 bankruptcy, or if you make payments through a Chapter 13 bankruptcy.
However, there are some types of unsecured, nonpriority debt that are rarely or never discharged. Examples include:
- student loans (to learn more, see Student Loans in Bankruptcy: The Brunner Test)
- fines, penalties, or restitution imposed by a government as punishment
- court fees
- intoxicated driving debts, and
- homeowner's association fees assessed after you file for bankruptcy.
What You Must Disclose on Schedule E/F
On Schedule E/F, you'll list all of your debts that aren't secured by property. In other words, all debts that you didn't already list on Schedule D: Creditors Who Have Claims Secured by Property. You'll list your priority unsecured debts first, followed by your nonpriority, unsecured debts.
How to Complete Schedule E/F
Schedule E/F contains detailed information regarding how you should complete the form. So if you read the instructions carefully, you should have no trouble filling it out. Below, we discuss some of the information that will be required and provide additional tips that may be helpful in completing the form.
Creditor information. Identify any creditors by listing their name and address where indicated.
Who incurred the debt? If anyone else is responsible for this debt along with you, you'll check the appropriate box (you don't have to list your spouse again if you filed a joint bankruptcy petition). You will list your codebtor's contact information on a different form called Schedule H: Your Codebtors.
Account number. You'll enter the last 4 digits of the account number.
When was the debt incurred? Here you'll disclose the date you incurred the obligation.
Contingent, unliquidated, or disputed. If your potential liability for a claim is based on some event that has not yet occurred, the claim is considered contingent. If the exact amount of the debt is not yet known, it's an unliquidated claim. If you don't believe that you owe the debt or it's incorrect in some way, it's a disputed claim. If you believe that any of your claims are contingent, unliquidated, or disputed, indicate that on the form by placing an X in the appropriate spot.
Types of priority claims. If you have any debts that match a specific priority claim category listed on Schedule E/F, check the box next to that type of claim.
Total claim. You'll list the entire amount of the debt.
Priority amount. If only part of the claim is entitled to priority, list the priority amount here. Make sure to review the dollar limits for certain priority claims to determine what portion of a claim is entitled to priority.
Nonpriority amount. If only a portion of the claim is entitled to priority, list the amount that is not entitled to priority here.
Type of nonpriority unsecured claim. Here you'll report whether the debt is a student loan, a family law-related obligation that you didn't report as a priority debt, or a debt to a pension or profit-sharing plan by checking the appropriate box.
This article provides general information only. There are many legal issues involved and important decisions to be made when filing for bankruptcy. You must understand the entire bankruptcy process, learn about the applicable federal and state laws, and determine how those laws will affect your particular situation before you complete the bankruptcy forms. In many cases, it's best to consult with an experienced bankruptcy attorney. If you want to file bankruptcy without a lawyer, use a good do-it-yourself book like Nolo's How to File for Chapter 7 Bankruptcy to ensure you make well-informed decisions about your bankruptcy case.
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Teaneck Public Library
840 Teaneck Road, Teaneck, NJ 07666
Tel.: (201) 837-4171 | Fax: (201) 837-0410
Teaneck Manager Likely to Step Down
Deputy Would Take Over Temporarily
By Adam Lisberg, Staff Writer
The Record, December 19, 2000, p. L3
Township Manager Gary Saage is expected to announce tonight that he is closing the book on more than three decades of watching over the business of Teaneck.
Saage, a 66-year-old Teaneck resident, declined to discuss his plans before tonight's Township Council meeting. His last day of work will be Jan. 12, but he will stay on the payroll until June 1 by virtue of unused vacation time.
Helene Fall, who was hired as Saage's deputy two years ago, has been groomed to succeed him and is expected to be named acting manager when Saage leaves. She has already taken over some of the position's major responsibilities, such as preparing next year's budget and negotiating new contracts with Teaneck's labor unions.
Saage is the chief executive officer of Bergen County's most populous municipality (38,345 in 1998), overseeing a $40 million budget and a staff of 400; the heads of every municipal department report to him.
"I have a lot of praise for Gary. He's done a lot of good for this town," said Mayor Paul Ostrow. "He's firm but fair to employees, and he runs the town like a business."
Saage started working for the town in 1967 as a fiscal officer, and is known as a sharp-eyed guardian of Teaneck's funds. He resigned from the township in 1990 after a conflict with the manager at the time, but when council members fired that manager less than a year later, they asked Saage to take the post.
In addition to his $121,637 salary, Saage receives five weeks of vacation and three weeks of sick time each year. When his resignation takes effect June 1, he will be compensated for half his unused sick time.
He still works with a calculator and a ledger book. There is no computer in his office.
Under his leadership, Teaneck became one of the first self-insured communities in New Jersey, saving millions in insurance premiums; the township also carries no long-term debt. However, Saage has been criticized as an autocratic manager who created adversarial relations between municipal managers and employees.
"He's opinionated and he's stubborn, but he's willing to listen," Ostrow said.


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Thanks to SNMH
December 26, 2012
I am recovering from breast cancer surgery performed at the Sierra Nevada Memorial Hospital by Dr. Minor Ward.
This letter is my public thank you to the surgical staff, Breast Imaging Center, oncology and radiation departments, Dr. Ward's office, the attending nurses and everyone connected with Sierra Nevada Memorial Hospital. The surgery was successful, and I know caring, concern, and compassion of everyone involved made it happen.
We are lucky to have this hospital and such a wonderful cancer center. Thank you.
Patricia Harper
Nevada City
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Patients can refuse a flu shot. Should doctors and nurses have that right, too? That is the thorny question surfacing as U.S. hospitals increasingly crack down on employees who won't get flu shots, with some workers losing their jobs over their refusal. "Where does it say that I am no longer a patient if I'm a nurse," wondered Carrie Calhoun, a longtime critical care nurse in suburban Chicago who was fired last month after she refused a flu shot.
Hospitals crack down on staff refusing flu shots - CBS News
Current Status: Published (4)
Seeded on Sun Jan 13, 2013 9:06 AM
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HONG KONG: Apple has told a prominent Chinese environmental activist that it will soon launch independent environmental audits of at least two suppliers' factories in China, the activist said.
The audits come as Apple faces mounting criticism about toxic pollution and factory injuries at overseas suppliers' factories. The environmental reviews would be separate from an independent probe of working conditions at the China factories of Apple suppliers, including Foxconn Technology, that began last week.
Ma Jun, the founder of The Institute of Environmental and Public Affairs, said Apple agreed to the independent audits late last month in response to two reports that the institute and other environmental groups released last year documenting hazardous waste leaks and the use of toxic chemicals at suspected Apple suppliers.
The audit, which could begin next month, will start with two suppliers, but might expand to others, said Mr Ma, one of China's leading environmental activists.
The audits will focus on environmental issues, including whether Apple suppliers are discharging toxic waste into the water supply and soil. Mr Ma's group in Beijing and other members of the Green Choice Alliance, a coalition of 41 Chinese organisations, will participate in the investigations, to be conducted by a professional auditor.
Apple has long conducted internal audits of suppliers. But an independent review is necessary to "make sure that the audit is done in a transparent way", said Mr Ma, whose group has met and had calls with Apple half a dozen times since mid-September.
An Apple spokeswoman, Carolyn Wu, declined to comment. Apple says on its website that it insists that suppliers "provide safe working conditions, treat workers with dignity and respect, and use environmentally responsible manufacturing processes".
The environmental audit reports, when released, will disclose the names of the suppliers examined after they've been given an opportunity to fix any problem identified, Mr Ma said. Of the two dozen suspected Apple suppliers named in the reports last year, Apple has confirmed it works with at least seven: Foxconn Technology, Meiko Electronics, Unimicron, Ibiden Electronics, Wintek, Nan Ya Printed Circuit Board and Compeq Manufacturing.
Apple also plans to use a pollution database that the Institute of Environmental and Public Affairs has on its website, containing records of more than 95,000 environmental violations by Chinese suppliers, to monitor existing suppliers and check on new ones, Mr Ma said.
The institute's report last August detailed how Meiko Electronics' factory in Wuhan, in central China, discharged large amounts of waste into surrounding rivers and lakes. A chlorine accident at Meiko Electronics in 2008 also led to the poisoning and hospitalisation of 18 workers, according to the report. Meanwhile, residents in Kunshan, in eastern China, complained that they couldn't open their windows because of fear they would choke on acid gas and dust from another supplier, Unimicron.
Apple's decision to launch independent audits at its overseas suppliers is a move in the right direction for Chinese workers who tend to face harsh working conditions and low pay, according to Gary Liu, deputy director of the China Europe International Business School's Lujiazui International Finance Research Centre.
"Apple now realises that its brand name will suffer if it continues to be blind to the misbehaviours" of suppliers, said Mr Liu.
The development could increase pressure for improvements at other Chinese suppliers. Apple joins Adidas, Nike, Patagonia and others that have supported such monitoring to improve labour conditions in contract plants.
Apple's size gives it a leadership role among US companies: "If Apple doesn't change, then it could serve as a very bad model for other companies," Mr Ma said.
USA Today


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I have a problem regarding routing and PPTP tunneling.
I use m0n0 at home as my firewall / NAT / GW and it works great, however
when working from home I need to connect to the office PPTP VPN this is
where Im having some problems. When connecting to the office VPN with my
desktop or laptop I can of course use this computer to do work related
stuff. Recently I started to connect and set up the PPTP tunnel from my
home server (also behind m0n0wall) by doing this I can reach the office
lan from any computer on my LAN (laptop, desktop etc) which is really
much better for me. By doing this I do need to specify all the routes
(static) on all computers to point to the home server running the PPTP
tunnel and appropriate iptables rules. This is the bad part of my setup
as I do not want to have static routes on all the computers on the LAN
or enter them (manually) in m0n0. What I want is to have these office /
work related prefixes set up dynamically when starting the tunnel and of
course removed when disconnecting the tunnel (this works fine on the
home server setting up the tunnel).
So to my question: Can I somehow inject routes on the m0n0 box from the
server? Or even better can I set up the tunnel from m0n0? thus just keep
the default GW pointing to my m0n0.


text:
TwiGGy BladeZ Model
atomphotoPhotographer Male Sandpoint, Idaho, US
Mayhem # 2541447
About MeI was born in Naples, Italy and traveled around quite a bit as my dad was in the airforce. Settling longest in the midwest I graduated with honors with a BA of Science and Technology majoring in Studio Photography, minoring in graphic arts at Central Missouri State University.
I interned with the CIA photo department in Washington, DC and followed my heart to the great northwest, I now live in Sandpoint, Idaho because I love being outdoors.
I worked in the Coldwater Creek Studio as a photo assistant, and with departure, I am doing quite well as a freelance photographer now. I primarily am shooting for women's collegiate apparel.
I love my wife who is expecting our first babe in July and our amazing dog, "Bleu".
I have a good attitude, and look for the same in the people I work with.
Have you worked with atomphoto? Add Credits for atomphoto! >>
TwiGGy BladeZ Model
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text:
A public servant has admitted the "light touch" of training guidelines for the $2.8 billion home insulation scheme contributed to the death of a young installer.
The royal commission into the Rudd government's failed pink batts scheme also heard former federal environment minister
Martin Hoffman, who was working in the office of the co-ordinator general in 2009, acknowledged there should have been a stronger definition of "supervision", which was required for installation companies who signed up to the program.
It was decided in May 2009 that only supervisors would need a licence, not installers, in the roll-out of pink batts into 2.2 million homes.
When questioned by Richard Perry, QC, who is representing the family of
"The light touch in this case – which allowed the insulation company who employed Matthew Fuller to come into the industry and allow them to use foil insulation and metal staples – contributed to his death?" Mr Perry asked.
"Yes," replied Mr Hoffman.
Mr Hoffman said there should have been tighter guidelines to stop shonky operators from flooding the market.
"In retrospect, the definition of supervision would have benefited from far more prescription," he told inquiry hearings in Brisbane on Wednesday.
"There was a large number of companies who failed to provide any supervision when they should have."
The inquiry heard the model chosen by the Rudd government had tight exit arrangements from the pink batts scheme, rather than for companies trying to enter the program.
The inquiry has been told former parliamentary secretary
The pink batts scheme started in July 2009 but was shut down in 2010 after four deaths and hundreds of house fires.
The inquiry earlier heard Mr Garrett and a senior bureaucrat had compared notes about the installation of insulation, describing it as a relatively simple task.
An email from Mr Hoffman to other public servants in the program, on April 6, 2009 said: "The secretary and the Minister compared notes on their personal experience in installing batts –'not that hard'."
He also noted in the email that a discussion about a 1800 information line solution for the "little old lady in Bondi" in relation to insulation had occurred.
Mr Hoffman admitted there had not been "significant activity" in co-ordinating occupational health and safety standards with state agencies in the roll-out of the scheme.
He agreed the larger number of people involved in the pink batts scheme would inevitably lead to more people taking short cuts and breaking the rules.
In his statement to the inquiry, Mr Hoffman said he believed Medicare, which was used as a payment vehicle for installation companies, and the Department of Environment failed to properly respond to a ministerial call for a crackdown on insulation industry standards by February 2010.
By this stage, a fourth installer had died of heat exhaustion in Sydney. Three others died from electrocution.
The inquiry also heard many installation companies went to the wall after the scheme was abruptly shut down in early 2010.
The inquiry continues.
The Australian Financial Review


text:
Indiana ranks 30 out of 50 states for overall child well being according to the 2013 Kids Count ranking. Nurse-Family Partnership is an Indiana program helping to address the risks of poverty, preterm births, other poor maternal and child health outcomes, high school dropout rates, domestic violence, and child maltreatment.
Nurse-Family Partnership in Indiana
Nurse-Family Partnership (NFP) is an evidence-based, community health program that helps transform the lives of vulnerable mothers pregnant with their first child. Each mother served by NFP is partnered with a registered nurse early in her pregnancy and receives ongoing nurse home visits that continue through her child's second birthday. Results from more than 37 years of research show how this unique relationship is turning lives around.
The Nurse-Family Partnership, implemented through Goodwill Industries of Central Indiana, began serving families in Marion County in November of 2011 with funding from the Affordable Care Act Maternal Infant and Early Childhood Home Visiting Program.
To inquire about bringing Nurse-Family Partnership to more communities in Indiana, contact the Nurse-Family Partnership Business Development Manager for Indiana.
NFP Indiana Annual Report - 2015
NFP Indiana State Profile
Indiana State Department of Health
Nurse-Family Partnership in Indiana
Start a new & rewarding carreer in public health nursing. More »


text:
Little Rock, Ark. -- Dillard's Inc. posted fourth-quarter net income of $161.4 million, up 14% over the year-ago period. It also reported its 10th consecutive quarter of same-store sales growth.
The department store company posted quarterly net sales of $2.106 billion, up 7% from $1.970 billion during the same quarter last year. (Net sales include the operations of the company's construction business, CDI Contractors LLC of Little Rock. Excluding CDI, total merchandise sales were $2.087 billion, up 7% from $1.946 billion during the same quarter last year.)
Same-store sales were up 3%.
"We are pleased to report a strong finish to a very successful year at Dillard's," said Dillard's CEO William T. Dillard II. "Our positive sales performance and gross margin expansion combined with expense control drove strong cash flow throughout the year. As a result, we were pleased to return cash to shareholders in the form of a $5 special dividend during the fourth quarter. Additionally, we purchased $185.5 million of Class A common stock during the year. As we mark our 75th year at Dillard's this month, we are proud of our progress and excited about the future."
As of Feb. 2, Dillard's operated 284 stores and 18 clearance centers in 29 states.


text:
Item TypeJournal Article
MetadataShow full item record
With rare exceptions sociologists have traditionally had little to say about the British monarchy. In the exceptional cases of the Durkheimian functionalism of Shills and Young (1953), the left humanism of Birnbaum (1955), or the archaic state/backward nation thesis of Nairn (1988), the British nation has been conceived as a homogenous mass. The brief episode of the Sex Pistols' Jubilee year song 'God Save the Queen' exposed some of the divisions within the national 'mass', forcing a re-ordering of the balance between detachment and belonging to the Royal idea. I argue that the song acted as a kind of 'breaching experiment'. Its wilful provocation of Royalist sentiment revealed the level of sanction available to the media-industrial complex to enforce compliance to British self-images of loyal and devoted national communicants.
Law, A. 2002. Jubilee mugs: the monarchy and the Sex Pistols. Sociological Research Online. 7(1). Available from: http://www.socresonline.org.uk/7/1/law.html
RightsThis is the author's final version of this article. Published version (c)University of Surrey, available from http://www.socresonline.org.uk/7/1/law.html
The following license files are associated with this item:


text:
On 10/30/05, Claudio Castro <ccastro at unr dot edu dot ar> wrote:
> I was reading that due to ipfilter is not possible to access NATed
> services by the public IP address from LAN, THAT'S VERY SERIOUS!...
no it's not. that's a very common limitation of virtually every
commercial firewall too. not serious at all, it's trivial to work


text:
The crop of newly elected Missouri state representatives might just be thankful if they can snag a nap this holiday, because they're already working before taking the oath next January. The freshpersons gather Monday in Jeff City for what old-timers call "lawmaker charm school." They'll receive lectures on how to conduct themselves in the ornate House chamber, how to address the presiding officer ("Mister or Madame Speaker") and how to propose legislation. Also, where to find the restrooms, the cafeteria and, unofficially, the occasional hospitality wet office. After a couple of days confabbing under the dome, the lawmakers-to-be will head out together around the state. They'll visit public facilities such as prisons, mental hospitals and colleges. They'll have stops at venues for influential private interests with major Missouri investments and employment, such as Monsanto, BJC, Goldfarb School of Nursing and SSM Healthcare. There's a bit of underlined advice about some of the "sensitive sites" on the tour schedule: "any weapons concealed or otherwise are strictly prohibited."
2 Responses to "COMING SOON: FRESHMAN MISSOURI STATE LEGISLATORS"
You may think Berger is joking about checking guns at the door.
Some of these new law-givers had campaign fundraisers centering around giving away guns and shooting guns.
I only hope they can debate without unholstering their side arms!
I had to laugh at the Bergermeister's characterization of "charm school" for Missouri legislators. Charming !!
Some arrive charming. Others will flunk out of that school.


text:
» Career Center
Primary function is to provide high-quality veterinary care to animals in the care and custody of the Thomas J. O'Connor Animal Control and Adoption Center (TJO). Assists in developing, advancing, and implementing shelter medicine protocols and delivers and ensures humane medical treatment of all animals. This position also works with the District Attorney and law enforcement on cases of animal cruelty. This position reports to the Executive Director. Supervision is exercised over a team that includes veterinary technicians and clinic volunteers.
To view full job posting and to apply, please visit the city of Springfield, MA's website: http://agency.governmentjobs.com/springfieldma
To learn more about our TJO Center, please visit our website https://www.tjoconnoradoptioncenter.com
or find us on Facebook https://www.facebook.com/413animals
Two years of shelter veterinary experience.
MA veterinary license
Phone: 866.Macomb1 (toll free)
Phone: 586.445.7999 (local)
Email: firstname.lastname@example.com


text:
Thursday, September 07, 2006
It must be funny when the papers blared that the Malaysian market is at a 6 year high, and you look at it and it felt like a 6 year low. What is so great about hitting a 6 year high?? Tons of markets have went past that already. Let me qualify first, I still think KLCI will test 1,000 by year end and 1,050 by 1Q2007, even with that performance, there are deeper issues with listed Malaysian companies that needed to be addressed. Am I being harsh? Well, just look at the pre1997 crisis index levels, and where they are now:
KLCI 1,077. Now 955. -11%
Hang Seng 15,196. Now 17,096. +12.5%
Dow Jones 6,823. Now 11,373. +66%
Jakarta Composite 724. Now 1,470. +103%
Straits Times Index 1,921. Now 2,505. +30.4%
SE Thailand 527. Now 692. +31%
Philippines Comp 2,447. Now 2,405. -2%
I have selected the big ones for comparison, and the regional indices because they are most comparable as we all had the Thai baht crisis, and we all have had the SARS effect, etc... What is so amazing is that Thailand, which was where the Asian financial implosion started, and Indonesia, they both took IMF's remedy, are now 31% and 103% higher than precrisis levels - ???? Even Hang Seng which suffered horribly owing to the fact that they did not devalue (unlike the ringgit which is still 30% from precrisis levels vis-a-vis the USD), has now surged past precrisis levels, suicides with charcoal and jumping off buildings have subsided substantially in HK.
All that is most galling when oil prices have remained very firm over the last 2 years, and we have tons of it. Something is horribly wrong. I can explain the 2005 markets for Malaysia as foreign funds betted early for a free float of the ringgit but was pretty pissed off in the end. If you talk about fundamentals, not many realise that KLCI stocks present the best dividend yield among the regional markets, averaging 4.8%, while HK's was only 3.4%, Singapore at 3.9%, Thailand at 4.3% and Indonesia a paltry 2.6%. So is it a growth issue? Maybe... some ideas on what is wrong have already been said. So, even when KLCI hits 1,000... we shouldn't be that happy. Look at the volume, remisiers want to kill themselves already at a 6 year high!
5 comments:
- Rohan_888 said...
Yes, something is very wrong with the market. Getting confidence back will take a long, long time, too many people burned. Would be interested to see statistics about small time investors how they have done the last 10-15 years, my guess is that at least 95% of them lost money.
Still, not all the news is bad, looks like we have finally a good boss at the SC who means business. With a good female boss at Bank Negara, may be good idea to aim for a female PM?
Is there also something wrong with the currency, an oilrich country exporting more than it imports, with currency trading near all-time low, sounds rather strange to me. Is there something that is missing from the statistics?
- Salvatore_Dali said...
i would rate bursa boss performance at 6.5/10, and the Bank Negara lady at 7.5/10, and the SC lady boss at 8.5/10 despite being there for just a short time.... there are a lot of things bursa could do, the introduction of single stock futures, road shows, the charging for investment tutorial portal... all big mis-steps...
- boyplunger said...
What was the pre 1997 date use in your calculation for the total return.
I pressume it is from 7 Sep 1997 -7 Sept 2006?
- boyplunger said...
To add on
Would you have the performances return since May 1997? Thats the peak for all the markets at that time.
Thanks again
- Salvatore_Dali said...
i don't have those figures you wanted...


text:
Judit Polgar added another glowing chapter to her living legend this week when the all-time No1 female player, now a 35-year-old mother of two, reached the last eight of the World Cup and knocked out the top-seeded world No 5, Sergey Karjakin.
Polgar has competed little in recent years due to her family commitments but she outprepared and outgeneralled the 21-year-old Russian, who set out his stall for a draw by choosing the ultra-solid Berlin Wall. Polgar was ready and subtly weakened Black's defences. After Karjakin missed the best defence 21...Rh6! she found 24 Nc3!, netted a pawn, then converted it to a won ending.
J Polgar v S Karjakin
1 e4 e5 2 Nf3 Nc6 3 Bb5 Nf6 4 0-0 Nxe4 5 d4 Nd6 6 Bxc6 dxc6 7 dxe5 Nf5 8 Qxd8+ Kxd8 9 Nc3 Ke8 10 h3 h5 11 Rd1 Be7 12 Ne4 Bd7 13 b3 h4 14 Bg5 Rd8 15 c4 b6 16 Rd2 Bc8 17 Rxd8+ Kxd8 18 Rd1+ Ke8 19 Bf4 c5 20 e6 Bxe6 21 Bxc7 f6? 22 Bb8 a6 23 Ba7 Bd8 24 Nc3! Kf7 25 Na4 b5 26 Nxc5 Bc8 27 cxb5 axb5 28 a4 bxa4 29 bxa4 Re8 30 Rb1 g5 31 Bb6 Be7 32 a5 Bxc5 33 Bxc5 Re6 34 Rb6 Ng7 35 Be3 Nf5 36 Rb8 Re8 37 Ra8 Bb7 38 Ra7 Re7 39 Bc5 Rd7 40 a6 Bc6 41 Rxd7+ Bxd7 42 Nd2 Ke6 43 Nc4 Bc6 44 Nb6 Nd6 45 Bxd6 Kxd6 46 a7 Kc7 47 a8Q Bxa8 48 Nxa8+ Kb7 49 f4! 1-0.
Polgar then beat Cuba's Leinier Dominguez 4.5-3.5 after surviving an epic tie-break and now meets the six-time Russian champion Peter Svidler for a place in the semi-finals. Polgar v Svidler and the other quarter-finals are in progress morning (10am BST start) and can be viewed live and free on the internet.
Michael Adams, the British champion, has a fine record in global knockouts but was eliminated in round two by Denmark's Peter Nielsen. The game was a sharp Sicilian where Adams's crucial error was 18 Bc1? (18 Bh4!) allowing the classical tactic Rxc3! and Nxe4 which has won many games. Black has only knight and pawn for rook but his dominating central pawns and attack on the white king are hard to meet. When Adams erred again by 26 Nf1? (26 c3 Nf5 27 Nb3) Black's attack crashed through.
M Adams v P Nielsen
1 e4 c5 2 Nf3 d6 3 Nc3 Nf6 4 d4 cxd4 5 Qxd4 Nc6 6 Bb5 Bd7 7 Bxc6 Bxc6 8 Bg5 e6 9 Qd3 Be7 10 Nd4 0-0 11 0-0-0 Rc8 12 f4 Qa5 13 Kb1 Rfd8 14 g4 Be8 15 f5 Bd7 16 Rhg1 Qa6 17 Qf3 Rc4 18 Bc1? e5 19 g5 Rxc3! 20 Qxc3 Nxe4 21 Qf3 d5 22 Nb3 Qc6 23 h4? g6 24 f6 Bf8 25 Nd2 Nd6 26 Nf1? Bf5 27 Qb3 Nc4 28 Rg2 d4 29 Rf2 Be6 30 Qg3 e4 31 h5 e3 32 Rh2
3208 ...Na3+! 2 bxa3 (if 2 Ka1 Nxc2+ wins) Qc4! 3 Bxe3 (if 3 Bb2 Qxa2+ 4 Kc1 Ba3!) dxe3 and White resigned due to 4 Rxd8 Qa1 mate.