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This article is an open-access article distributed under the terms and conditions of the Creative Commons Attribution license (http://creativecommons.org/licenses/by/3.0/).
Harmful algal blooms (HABs) of the toxic dinoflagellate,
Harmful algal blooms (HABs) occur worldwide and have been identified as one of the key threats to human health [
Florida red tide is known to affect human health through two routes: neurotoxic shellfish poisoning (NSP) and inhalation. NSP results from consumption of contaminated shellfish, but has been well controlled through on-going shellfish monitoring programs. Inhalation of aerosolized toxins is also a route for human exposure, as the toxins produced by
Recent studies have suggested that airborne brevetoxins produced by red tide may be more harmful than health officials previously thought, with response to Florida red tide toxins possibly extending beyond initial acute reactions [
Animal models indicate that brevetoxin exposure has the potential to affect the immune system in many species, including manatee [
The long-term effects associated with brevetoxin exposure are unknown and evidence is accumulating that brevetoxins may compromise health. Characterization of cellular consequences of brevetoxin exposure in the immune system is critical to fully understand the impact of recurrent red tide events on human health. The purpose of this investigation was to further current understanding of the effects of brevetoxins on immune cells. Using a Jurkat cell line, cell viability, cellular metabolism, and apoptosis were investigated following
Experiments were conducted to determine effects of toxin congeners PbTx-2, -3, and -6 on cell viability using a Jurkat cell line as target cells. The Jurkat cell line is a transformed cell line derived from human T-lymphocytes and is widely used to investigate a variety of cellular effects and immune system responses, due to the fact that these cells have many features in common with primary human T lymphocytes, including T-cell receptor, ion channels, and essential signaling pathways [
With short-term incubation (3 h), cell viability did not decrease in response to treatment with toxins in concentrations as high as 10 μg/ml, with viability greater than 94% after all treatments. Cell viabilities following incubation of Jurkat cells with PbTx-2, -3, or -6 in concentrations of 0 – 10 μg/ml for 24 h are shown in
The metabolic activity of brevetoxin-treated Jurkat cells was used as an indication of cell proliferation and was measured using MTT. Effects of brevetoxins on cellular metabolic activity in Jurkat cells after 1 – 3 h are shown in
Cell metabolic activity in cells treated with brevetoxins for 24 or 48 h is shown in
The effects of exposure to PbTx-2, PbTx-3, and PbTx-6 on apoptosis induction were determined by caspase-3 activity using a fluorescent microplate assay (
Jurkat cells exposed to brevetoxins
Although several studies have led to the suggestion that respiratory effects associated with red tide toxin exposure may not represent the full impact of brevetoxins on human health, the effects of brevetoxins at the cellular level are not well understood, particularly in immune cells. The objective of the present study was to contribute to current understanding of potential effects of brevetoxin exposure on immune cells using
Although useful, it is difficult to make assumptions about cellular effects about environmental exposure based on studies with transformed cell lines such as the one used here. Although it is unlikely that results similar to the
Brevetoxins remain in blood for several hours to days post-exposure [
Several potential mechanisms of action on immune system components have been suggested, including inhibition of cathepsin active sites [
Previously published reports on effects of brevetoxin on cell proliferation have included use of a reagent based on mitochondrial dehydrogenase activity, WST-1 [
Although many methods can be used to detect apoptosis, activation of caspase-3 is among the more commonly used. In the present study, caspase-3 activity was used to measure apoptosis in Jurkat cells exposed to brevetoxins
Apoptosis primarily occurs through two defined pathways: the death receptor, or extrinsic, and the mitochondrial, or intrinsic, pathways. The extrinsic pathway, initiated by a family of cell surface death receptors, generates an apoptotic signal which may not involve mitochondria. The intrinsic pathway, on the other hand, is triggered by various signals which lead to disruption of mitochondrial function and activation of caspases, including caspase-3. Activation of caspases is responsible for events leading to morphological changes associated with apoptosis, such as DNA degradation, chromatin condensation, and membrane blebbing. The intrinsic pathway is regulated by the Bcl-2 family of proteins which includes Bax/Bak as integral components. The intrinsic pathway of apoptosis also involves disruption of mitochondrial function by affecting the transmembrane potential across the mitochondrial membrane and leading to the release of cytochrome c. The results reported here in which a decrease in cell metabolic activity, i.e., mitochondrial function, was demonstrated in immune cells exposed to brevetoxins
The data presented here consistently indicate that PbTx-3 exerts fewer effects on Jurkat cells compared with PbTx-2 or -6. Reports of effects of different toxin congeners vary, with some studies reporting no measurable differences in cellular effects elicited by toxin congeners either
Brevetoxins have been shown to undergo cellular metabolism through known xenobiotic biotransformation pathways for detoxification, primarily in the liver [
The objective of this study was to determine how brevetoxins, naturally produced in the marine environment, may potentially affect cells of immune origin. Harmful effects of brevetoxins on the health of sealife have been well-documented [
The human leukemic T cell line, Jurkat clone E-6, was obtained from the American Type Culture Collection (Manassas, VA). Cells were cultured in RPMI 1640, pH 7.4, containing 10% heat-inactivated fetal bovine serum (FBS; Hyclone, Logan UT), 100 units/ml penicillin-streptomycin (Sigma Chemical Co., St. Louis, MO), and 100 μg/ml amphotericin B (Sigma). Cells were cultured in a humidified 5% CO2 atmosphere at 37 ºC and media renewed every 2–3 days as recommended.
Brevetoxin congeners PbTx-2, PbTx-3, and PbTx-6 were obtained from Dr. Dan Baden, University of North Carolina, Wilmington, NC. Individual neat toxin standards were reconstituted at a concentration of 500 μg/ml in a solution of 80% ethanol in HPLC water. To confirm purity and toxin concentration, brevetoxin analyses were performed by liquid chromatography mass spectrometry (LC/MS) using a ThermoFinnigan AqA LC/MS (Thermo Electron Corp, Madison, WI) single quad system scanned from 204–1216 AMU according to the procedures of Pierce
Effects of toxin exposure on cell viability were determined using trypan blue exclusion [
For this study, metabolic activity of viable Jurkat cells was used as a measure of cell proliferation. Cellular metabolic activity was measured using an MTT (1-(4,5-dimethylthiazol-2-yl)-3,5-diphenylformazan) assay which is now widely used to quantitate cellular proliferation and cytotoxicity [
To synchronize the cells, Jurkat cells were incubated in serum-free medium overnight at 37 ºC in a 5% CO2 humidified atmosphere. Experiments were done in quadruplicate using separate cell cultures. After 24 h, cells were centrifuged, supernatant carefully removed and cells resuspended in cell culture medium (RPMI 1640 containing 10% FBS) containing brevetoxins in concentrations ranging from 0 – 10 μg/ml. Cultures were incubated for 1, 2, 3, 24, or 48 h time periods. Ethanol controls were included in all experiments. After the incubation period, 25 μl MTT from a 5 mg/ml stock solution prepared in PBS was added to each well. Plates were returned to the incubator for 4 h. After the 4 h incubation period, 100 μl of a solubilizing solution (0.1 N HCl, 10% SDS) was added and the plates incubated overnight at 37 ºC. MTT conversion was measured using a microplate reader (BioTek ELx800) with absorbance read at 570 nm and background absorbance at 630 nm subtracted. Cell proliferation or metabolism was expressed as percentage of ethanol control cells. Statistical analyses were conducted on raw data to compare cellular metabolic activity in brevetoxin-treated cells compared to ethanol control cells, with a
Apoptosis occurring in response to treatment with brevetoxin was measured using a caspase-3 fluorescent microplate assay (Molecular Probes, Eugene, OR). Jurkat cells were adjusted to a concentration of 2 x 106 cells/ml and distributed in 100 μl volumes into wells of a 96-well microtiter plate and incubated with 0 – 10 μg/ml PbTx-2, PbTx-3, or PbTx-6. Staurosporine (2 μM) was used as a positive control. After 3 h incubation at 37 ºC, 5% CO2, cells were pelleted by centrifugation at 600 x g for 5 min and washed once with PBS. Cells were resuspended in 50 μl lysis buffer (20 mM Tris, pH 7.5, 0.2 M NaCl, 2 mM EDTA, 0.02% Triton X-100), lysed by incubating on ice for 30 min, and pelleted to remove debris. Supernatant was transferred from each sample to wells of a black microplate. Substrate (Z-DEVD-R110) was added with reaction buffer (10 mM PIPES, pH 7.4, 2 mM EDTA, 0.1% CHAPS) and incubated at room temperature in the dark for 30 min. In some wells, 20 μM Ac-DEVD-CHO, a potent inhibitor of caspase-3 [
Statistical analyses were conducted using SigmaStat Version 3.11. Statistical comparisons were made using either the Student's
The authors gratefully acknowledge the use of the facilities at MML (Sarasota, FL). This research was supported by NOAA/OHHI Award No NA05NOS4781248 and the Pediatric Clinical Research Center of All Children's Hospital and the University of South Florida, and the Maternal and Child Health Bureau, R60 MC 000003-01, Department of Health and Human Services, Health Resources and Services Administration. K Strohbehn was a participant in an NSF-funded REU program at Mote Marine Laboratory. The authors would like to acknowledge PC Blum and MS Henry for help with toxin preparation, and H Cox and J Kinsey for technical assistance. The authors would like to gratefully acknowledge D Baden for providing toxin standards.
Percent viability of Jurkat cells treated with PbTx-2, PbTx-3, or PbTx-6 for 24 h. Data are represented as percent of ethanol control viability. Cells treated with PbTx-2 or PbTx-6 had significantly lower viability compared to corresponding ethanol controls and compared with viability of cells treated with PbTx-3 at concentrations indicated by *. Statistical differences compared to ethanol controls were determined using a
Effect of PbTx-2, PbTx-3, and PbTx-6 on cell metabolic activity in Jurkat cells exposed to 0 – 10 μg/ml toxin for 1, 2, or 3 h. Cellular metabolic activity was measured using MTT and reported as percentage of ethanol control. Cells treated with PbTx-2 and -6 had significantly lower metabolic activity compared with corresponding ethanol controls at 5 and 10 μg/ml, as indicated by the *. Cells treated with PbTx-2 or PbTx-6 had significantly lower metabolic activity compared to cells treated with PbTx-3 at 5 and 10 μg/ml, as indicated by the +. *Significantly less (
Effect of PbTx-2, PbTx-3, and PbTx-6 on cell metabolic activity in Jurkat cells exposed to 0 – 10 μg/ml toxin for 24 or 48 h. Cellular metabolic activity was measured using MTT and reported as a percentage of ethanol control. Cells treated with brevetoxins had significantly lower metabolic activity compared with corresponding ethanol controls at concentrations indicated by *. Cells treated with PbTx-2 or PbTx-6 had significantly less metabolic activity compared to cells treated with PbTx-3 at concentrations indicated by +. *Significantly less (
Caspase-3 activity in Jurkat cells incubated with 0 – 10 μg/ml PbTx-2, PbTx-3, or PbTx-6 for 3 h. St = Staurosporine; EtOH = ethanol control.
Effect of the caspase-3 inhibitor, Ac-DEVD-CHO, on caspase-3 activity in Jurkat cells exposed to 10 μg/ml PbTx-2 or PbTx-6 for 3 h without inhibitor (No Inh) or with 20 μM of Ac-DEVD-CHO (Inh). The data presented are an average of two trials of the experiment.


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Director Lauren Greenfield has scored a legal victory in the lawsuit filed against her over the documentary "The Queen of Versailles," which debuted last year at the Sundance Film Festival.
A Florida judge ruled in an evidentiary hearing Thursday that time-share mogul David Siegel's claim that no one from his company signed the filmmaker's release form is "inconsistent and incredible and thus lacking weight," according to a report by The Hollywood Reporter.
Because the release form signed by Siegel's son Richard, a vice-present in his father's company, Westgate Resorts is valid, the case must be taken to arbitration, rather than being fought in court, THR reported.
The elder Siegel had sued Greenfield and her producers for defamation, citing the description of the time-share company (which operates resorts all over, including one in Park City) as a "rags-to-riches-to-rags" story.
Initially, Siegel sued Sundance for publishing that description in November 2011, when the 2012 festival slate was first announced. Sundance was later dropped from the lawsuit.

subset: commoncrawl


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localhost.us 03
Use All Five
Tuesday, September 9, 2014 from 7:00 PM to 10:00 PM (PDT)
Who's Going
San Francisco, California
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Event Details
Localhost.us is a conversation on the intersection of culture and technology.
Hosted by J.J. Kaye and Levi Brooks
Technology is woven into the cultural fabric of the 21st century metropolis, Los Angeles is no exception. We're a city of cross disciplinary creators who view technology as part of and essential to the creative process. Localhost.us brings together creators, educators, and technologists for a night of conversation, drinks, and inspiration. We'll hope you join us.
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YouTube Spaces
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Los Angeles,
Tuesday, September 9, 2014 from 7:00 PM to 10:00 PM (PDT)
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Craft: Magazine, #2
The new issue of Craft hits newsstands this week! I've barely had a chance to flip through it, but already I want to sew the Fitz Patterns cape, make some repurposed house slippers, and create felted fruits and veggies.
The first issue was fantastic, so if you didn't get around to picking up a copy in the stores, you can order it online. (Back in November, the SF Chronicle ran a story on my attempts at several of the projects in the debut issue.)


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Father: Erastus R. DUNN b: 1884
Mother: Louie Ella ADAMS b: 1887
Marriage 1 Ida Mae MCLAMB b: 5 JUN 1902
Marriage 2 Maude Esther WEEKS
Marriage 3 Hettie MCLAMB b: 16 OCT 1906 in Harnett County, North Carolina
RootsWeb.com, Inc. is NOT responsible for the content of the GEDCOMs uploaded through the WorldConnect Program. If you have a problem with a particular entry, please contact the submitter of said entry. You have full control over your GEDCOM. You can change or remove it at any time.


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Terror police tighten bomb dragnet
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Three coffins containing the Newcastle victims of the bombings are moved from the Sanglah morgue to the airport last night.
Photo: Wade Laube
THE police dragnet for those behind the Bali bombing is closing in on Solo in Central Java, after reported sightings of alleged masterminds Azahari Husin and Noordin Mohamad Top, and a phone call from the wife of another Jemaah Islamiah leader to Bali shortly before the attacks.
Three suspects, seized in police raids in the past 48 hours, are being questioned, but police believe Noordin escaped from a village outside Solo while they waited for reinforcements.
Informants have told Solo police at least one of the bombers was living there this year.
One of the men being questioned is believed to have leased a house to a man named Agus, who police believe is Noordin, another lives nearby and the third, a Malaysian cleric, is also suspected of links to JI.
Police have set up roadblocks on the border between Central and East Java, searching for three vans seen near the attacks in Bali and believed to have fled to Java by ferry soon after.
Police said the wife of JI military commander Zulkarnean called Bali from her home in Solo three days before the attacks. The woman, who lives near the school run by imprisoned alleged JI leader Abu Bakar Bashir, which most of the original Bali bombers attended, denies making the call.
Central Java police chief Chairul Rasyid said investigators were close to identifying two of the three Bali suicide bombers.
Solo police chief Abdul Madjid said police were told early on Friday that Noordin was sheltering in Purwantoro village. They delayed a raid because of fears he had explosives. But villagers doubted police had the right man. They said he looked nothing like the wanted posters.
Noordin and fellow Malaysian fugitive Azahari are the leading suspects for organising last weekend's bombings. Police believe Noordin was in Bali shortly before the blasts.
Meanwhile, an Indonesian newspaper reported that police three months ago botched intelligence pointing to an attack on Bali, thinking it was going to be on Borneo.
Despite photos of the three bombers' heads being circulated widely in Indonesia they have still not been identified for certain.
At the bombsites yesterday locals and tourists insisted it was business as usual. Life, and shoppers,returned to busy Kuta Square after police removed investigation tape on Friday.
Perth resident Shelley Samata said she had decided two days after the attacks to go to Bali. "We have had a great holiday," she said. "Obviously we are a bit worried about going into crowded places, but other than that it's been pretty good."
Sydney doctor Matthew Cullen refused to cut short his 10-day family holiday after the bombs exploded, even though he had seen the devastation when he rushed to help Australian victims at Sanglah Hospital.
"I love the country. I also think that you can be safe if you are careful of what you do you can't give in to terrorists, you have to live your life," he said.
Indonesia's Tourism Minister, Jero Wacik, said the response to the bombings was positive. Three years ago there was a mass exodus of 10,000 from Bali, while this time 2611 people left the day after the attack. But some who planned Christmas holidays in Bali are cancelling. About 250 package bookings for January have been cancelled.
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Results 1 to 10 of 10
Thread: long stabilizers
Hybrid View
- Join Date
- Jan 2005
- Location
- Morgantown, WV
- Posts
- 9
long stabilizers
Shooting a long stabilizer is something new for me. I am moving from hunter class to open class and am increasing my stabilizer length. Do I have to have a counter balance offsetting to the rear (v bar style unit) or can I just screw on a 30" stabilizer and forget the rest. Reason is, with the price of doinker stabilizers, I would like to purchase a 30" stabilizer and a quick release only. If I need the counter balance with the longer stabilizer then I will purchase it, but to save a buck, do I really need it?
- Join Date
- Jan 2005
- Posts
- 12
I had the same problem when moving from a short to a long stabalizer. Try to save money (ie shoot b4 you but ) is always essential. A quick answer to your question is no it is not needed right away. It has alot to do with shooting style. You might find that you might need one left or right depending on hand torque. I wouldnt purchase the rear stabalizer as a weight counterbalance until you have shot a while,tried several,and then determined it would be helpful. Thats my 2 cents
Some do some don't?
I personally have Doinker,and I have used the v-bar setup on the back.
I know you can get away with just a sidemount and a small amount of weight on one side but It depends what the bow is doing...
If you hang the bow on a string from the top cam you can see what that level bubble is doing for usually the fact of the sight's weight on the other side of the bow makes it canter up on the left.
I also just don't look at getting that level,it's a matter of how well the bow sits in my hand when in full draw.This is why I on three different bows now hve done dfferent things to make that bow in perticular sit in full draw the way that I prefer it to be.When I hold the bow infull draw it sits like a rock on the bullseye and then when the shot goes off the bow then drops forward gradually on the followthrough.
A proshop or shoot might be the place to go and ask if you can try theirs and see what it does on your bow.
I do know I change weights occasionally just to give me more or less holding capabilties,If there is wind or I maybe drank too much caffeine,I can add weight.
You can usually always add weight....if you by one too heavy your stuck with what you got.
This will also give you some advantages of what work best for what kind of stabilizer,v-bar,sidemount,acc.you might really need.
- Join Date
- Feb 2005
- Location
- Nashville,TN
- Posts
- 14
I would make one suggestion in chosing a stablizer. Stick with one that is 18 to 26 inches. Hualing around a 30 to 36 inch stablizer can get very tiring on a 3D course.
I myself only use the front stablizer, as vbars usually throw me off when trying to site in on the target and keeping to bow level. It basically comes down to your shooting style as what works for one doesn't work for the other.TNArcher
- Join Date
- Feb 2005
- Location
- western pa
- Posts
- 9
I also wondered the same so thanks for the answers!!!!
- Join Date
- May 2005
- Location
- norwood ny
- Posts
- 2
i shoot without adding any counter balance works great
Similar Threads
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Tillie Odde had keen interest in Campbell County history
Funeral services for Matilda "Tillie" Odde, 89, of Pollock, were held Monday, June 25, 2012, at the Pollock Lutheran Church.
Burial was in the Kvernes Cemetery under the direction of Kesling Funeral Home of Mobridge.
Tillie passed away Thursday, June 21, 2012, at the Selby Good Samaritan Center.Matilda "Tillie" Odde was born Nov. 28, 1922, to Gunder and Gena (Fjeldheim) Sjomeling on a farm south of Pollock where she grew up and attended school. She graduated from Pollock High School in 1941 and attended Northern State Teachers College at Aberdeen, then taught country school.
On June 26, 1944, Tillie married Carl Odde at Trinity Lutheran Church in Mobridge. Carl and Tillie had four children. They lived southwest of Herreid, and in March of 1945 Carl was inducted into the U.S. Army and served in the Pacific Theatre. He was discharged in December of 1946, and they moved to a farm six miles southwest of Mound City. In 1949, they moved to a farm 13 miles southeast of Pollock. Carl passed away April 4, 1976. Following Carl's passing, Tillie continued to farm with her son Larry. She moved to Pollock in 1997 and in the fall of 2009 she moved into the assisted living center in Herreid. She most recently resided at the Good Samaritan Home in Selby.
She was a member of the Pollock Lutheran Church, Pollock American Legion Auxiliary, Friendly Neighbors Club and the Mound City Garden Club. Tillie was the leader of the Jolly Hustlers 4-H Club for many years. She taught Sunday school, held several offices of Pollock Lutheran Church Women and served as president of Pollock Lutheran Church. Tillie had a keen interest in history, especially Campbell County. Tillie enjoyed sharing her personal library of regional history with friends and family.
Tillie is survived by her children, Larry (Bea) Odde of Pollock, Marilyn (Kenneth) Brockel of Java, Kenneth (Arlene) Odde of Manhattan, Kan., and Robert Odde of Mound City; seven grandchildren, Sarah Odde, Jason Brockel, Carl Odde, Brent Odde, John Odde, Brian Odde and Ross Odde; four great-grandchildren, Hope Brockel, Haley Brockel, Carson Odde, and Aubry Odde; brother, Howard (Katherine) Sjomeling of Herreid; sisters-in-law, Mary Ann Sjomeling of Mobridge, Shirley (Don) Ochsner of Aberdeen, Beverly Odde of Aberdeen, and Emilie Odde of Minneapolis, Minn.
She was preceded in death by her parents, husband Carl, and two brothers, Erling Sjomeling and Glenn Sjomeling.


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Jennifer Lynn Jackson Floyd
Missing since April 18, 1988 from Tupelo, Lee County, Mississippi
Classification: Endangered Missing
Vital Statistics
Circumstances of Disappearance
Floyd was last seen at her job at Hancock Fabrics in Tupelo, Mississippi on April 18, 1988.
She got a phone call at work and left the store crying at 09:30 a.m.
Floyd's vehicle was found at a Mighty Mart gas station on west Main Street the day after her disappearance.
She left behind a one-year-old daughter and her mother does not believe she would have willingly abandoned the child. Floyd resided in the 1000 block of Chickasaw Trail in Tupelo in 1988.
If you have any information concerning this case, please contact:
Captain Bart Aguire
Tupelo Police Department
Source Information:
Lee County Sheriff's Office
Crime stoppers
Return to the Unexplained Disappearances' Index


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Homes in this community could save you an average of $2,665 per year in energy costs »
From Bush International Airport: Take Hardy Toll Road North to the Grand Parkway West, and exit right onto Kuykendahl Rd. Stay on Kuykendahl approximately 3 miles to Hufsmith Rd, and turn left. Lakes at Creekside will be on your left in approximately 1 mile.
From The Grand Parkway and I-45: Go West on 99 (Grand Parkway); go to Kuykendahl Rd and go North; turn left on Hufsmith Road; Lakes at Creekside is on your left.
If using a GPS device, please inputs 9037 Huffsmith Rd., and the community will be on the right.
My Notes:
The Lakes at Creekside - 80's is a beautiful new M/I Homes community in Tomball, TX. Often referred to as "The Hometown with a Heart," Lakes at Creekside - 80's is located near The Woodlands and just 34 miles Northwest of Downtown Houston. Located just south of The Woodlands, this beautiful community can be found off of Huffsmith Road, about 0.25 miles west of Kuykendahl in Harris County. Residents of the Lakes at Creekside - 80's will have a short 1.5 mile drive to the Creekside Park Village Center, anchored by the newest HEB grocery store in the area, as well as quick access to pharmacies, dining and retail options. A mere 3 miles north of the Grand Parkway, the community is served by the Tomball Independent School District, which includes Timber Creek Elementary, Tomball Junior High School, and Tomball High School. You are sure to fall in love with this quaint city of more than 11,000 people. Steeped in rich energy history with a former nickname of "Oiltown, USA" due to Humble Oil Company, now known as Exxon Mobil, striking oil just southwest of the city, Tomball affords its residents quick access to local energy employers Baker Hughes, Southwestern Energy, and the aforementioned Exxon Mobil.
The Lakes at Creekside has a charm that you're sure to fall in love with! Ideally situated between Tomball and The Woodlands, this unique 286 acre community's highlights include numerous lakes with connecting walking trails, open green spaces and parks for the enjoyment of residents and guests alike. There are 0 80' lots available, all of which are in a gated section of the community. Additionally, the future recreation center will offer its own pool and splash pad, a community room, as well as a playground. If you're looking for more outdoor activities, the Augusta Pines Golf Club and the Woodlands Equestrian Club are located nearby as well!
Many of these 80' homesites are located on cul-de-sacs and/or offer water views, as well as beautiful green space! The available home plans will be 1.5 and 2 story single-family homes-perfect for growing families! Here, you will find architecturally enhanced, well-designed, smart floorplans featuring extra storage space, spacious bedrooms, as well as open areas for entertaining. We've streamlined the process of option and upgrade selections for you via our Design Gallery. You'll love this experience as you have the opportunity to personalize your brand new M/I Home with the assistance of a professional designer, making this home built just the way you like it.
M/I Homes of Houston is proud to build your home in Lakes at Creekside. Your new home will be built to our Whole Home Building Standards and will come with our 10-Year Transferable Structural Warranty! Sign up as a VIP today to be the first to learn new information about this community as it's released! M/I Homes has been building new homes of outstanding quality and superior design for more than 30 years.
Founded in 1976 by Irving and Melvin Schottenstein, M/I Homes has fulfilled the dreams of more than 90,000 homeowners. What started as a family business, M/I has grown into a national leader. M/I Homes of Houston offers a 10-Year Transferable Structural Warranty giving you peace of mind knowing that we stand behind every home we build. Each of our homes are also Whole Home certified, giving you extra peace of mind knowing that our homes are built with energy efficiency at the top of our priorities. Contact us today to learn more information about this community as it's released.


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Out, damned spot
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As I blotted - not scrubbed - the spilled tea from the new carpet with a clean, damp - not soaking wet - undyed dishcloth (those blue or yellow ones can transfer their colour and make things worse), I wondered whether I had fulfilled that most patronising of Wilde-isms and turned into my mother.
Because one of the most vivid mental images I have of my mama is of her on all fours, blotting stains from carpets. And quickly, mind. Before they set.
Many's the time I have seen her breaking land-speed records, weaving through the crowd at one of her parties holding a soda siphon aloft. Fizzy water is marvellous for carpet stains, you see.
And if it was red wine, she'd have the salt in the other hand.
Now she's gone high-tech and has a wonderspray guaranteed to zap all stains, dead, with just a few squirts. The only problem is that it gives off such pungent chemical fumes, I think it could have the same effect on small mammals, if not humans. And it has a half-life roughly equivalent to that of nuclear waste.
There was a whole area of her sitting room that we had to practically cordon off with hazchem tape after a Christmas wine spill, the wafts smelled so toxic. Couldn't see where the shiraz had gone over, though. Oh no. Gone.
The thing is, I am now wondering whether to purchase one of these deadly chemical stain sprays myself. If I'd had one to hand, I wouldn't be constantly confronted by the memory of the day I left a full mug of tea on the floor at the top of the staircase, when I was rushing back down to answer the phone, and my husband, quite forgivably, kicked it down the stairs.
I got most of it off the flat treads of the steps, but despite an hour or so of dabbing and blotting, you can still clearly see the tannin trail down the vertical part of one of the stairs. It's driving me tonto. As is the small round mystery mark on the landing outside the bedroom. What is it? And which bastard put it there?
Now it could be simple genetics that has turned me, with age, into a combination of Hyacinth Bucket and Howard Hughes, but I actually think it is simpler (and less insulting to my mother) than that. It's having new carpet.
I've never had this much new carpet before (halls and stairs, top to bottom) and certainly not such nice stuff. And, looking back, I remember it was having her first really nice carpet that turned my mum into the mad woman with the soda siphon.
At no time, while we were living in my childhood home, can I remember her sprinting to the kitchen for her stainsaver kit.
There must have been carpets in that house, but I can't really remember them and they certainly weren't special enough to warrant the soda siphon. I think they came with the house, and four children were left to do pretty much what they wanted with them.
But when we all left home and my parents moved to a split-level empty nest, like something from Thunderbirds, and sold off all the Georgian furniture in favour of Italian modern (I'm still not over it), they carpeted the place throughout in 100 per cent wool carpet.
In pale cream.
That was when stain-mania began and, despite another move to a more normal house where she put in more sensible carpet, it hasn't left her.
So I think it must be something to do with choosing the carpet yourself, paying for it (ouch), and then the utter gorgeousness of it when first fitted (like new cars, it even has a special smell) that brings this condition on.
If I ever have new carpet again, I'm going to throw a mug of tea down the stairs the first day and get over it.


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TV Buzz: FOX Tuesday Schedule Changes for 'X Factor'; ABC Family Kicks Off 13 Nights of Halloween
When will we see the end of Wednesday's The X Factor?
After the scheduling debacle with FOX's The X Factor, which was partially pre-empted due to the MLB playoffs, the network had originally announced it will re-air the entire two hour broadcast on Tuesday. On Friday, FOX announced that it will now air the one-hour conclusion of the "Judges Home" round at 9:30 PM on Tuesday, Oct. 23. This schedule change leaves most of the FOX Tuesday comedy block intact with new episodes of Raising Hope, Ben and Kate and New Girl airing in their respective timeslots form 8 – 9:30 PM that night. Freshman comedy The Mindy Project will still be pre-empted. [FOX]
Miley Cyrus. ABC's Last Resort also up in the ad-coveted demo with 7.3 million viewers respectively. Meanwhile The CW's reboot of Beauty and the Beast lost 40 percent of its audience from last week's premiere with 2 million total viewers tuning in. Meanwhile its lead-in, The Vampire Diaries, lost 25 percent with 2.7 million total viewers. [Variety]
Two of the boys of ABC Family's Pretty Little Liars are giving you the chance to ask them your questions before the premiere of the Pretty Little Liars Halloween special. Tyler Blackburn (Caleb) and Keegan Allen (Toby) are having a live one-hour Ustream at 3 PM PT/6 PM ET on Monday, Oct. 22. The chat will be hosted by Entertainment Weekly's Tanner Stransky and can be seen on the PLL Facebook page, EW.com, and Ustream. [ABC Family]
A day after Wyclef Jean tweeted a scantily clad image of himself on his hog, he tweeted another photo of himself fully clothed — actually in a very smart suit — which broke news: A recurring role on ABC's new series, Nashville. ABC confirms that he will appear on multiple episodes, but didn't disclose who he's playing. [Zap2it]
TNT's Dallas has found a sibling for Elena (Jordana Brewster). Mexican actor, Kuno Becker, will join next season. A troubled teen who straightened out in the military, the character may become a threat to the Ewing oil fortune. American audiences may remember him in a recurring role from the final season of CSI: Miami or on the short lived series, The Defenders. [TVGuide.com]
ABC is showing some confidence in its new dramas Last Resort and 666 Park. It has ordered two more scripts from both series. So far this fall season, NBC's Animal Practice and CBS' Made in Jersey have been pulled from airing. [TVLine]


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by InvestorPlace Staff | February 17, 2012 1:17 pm
Tax season is stressful enough. Workers often have to hunt a stray piece of paperwork, find that shoebox of receipts, hope the line at the H&R Block (NYSE:HRB[1]) isn't too long and then pray you didn't leave something out, lest the IRS heavies come knocking down your door a couple months later.
So the last thing anyone wants to do is worry about being scammed. But it's a big worry. Taxes involve sensitive documents with sensitive information, and there's countless people out there that want to get their hands on them.
But give the people at the Internal Revenue Service a little credit. Much as we dread and dog them, their annual "Dirty Dozen" report[2] shows they're at least looking out for us. The report is an annual ranking of tax scams meant to help taxpayers spot schemes and protect themselves from identity theft, among other pitfalls.
Here's a look at the transcript of the IRS' report. A complementary video also can be found at the end.
Topping this year's list Dirty Dozen list is identity theft. In response to growing identity theft concerns, the IRS has embarked on a comprehensive strategy that is focused on preventing, detecting and resolving identity theft cases as soon as possible. In addition to the law-enforcement crackdown, the IRS has stepped up its internal reviews to spot false tax returns before tax refunds are issued as well as working to help victims of the identity theft refund schemes.
Identity theft cases are among the most complex ones the IRS handles, but the agency is committed to working with taxpayers who have become victims of identity theft.
The IRS is increasingly seeing identity thieves looking for ways to use a legitimate taxpayer's identity and personal information to file a tax return and claim a fraudulent refund.
An IRS notice informing a taxpayer that more than one return was filed in the taxpayer's name or that the taxpayer received wages from an unknown employer may be the first tip off the individual receives that he or she has been victimized.
The IRS has a robust screening process with measures in place to stop fraudulent returns. While the IRS is continuing to address tax-related identity theft aggressively, the agency is also seeing an increase in identity crimes, including more complex schemes. In 2011, the IRS protected more than $1.4 billion of taxpayer funds from getting into the wrong hands due to identity theft.
In January, the IRS announced the results of a massive, national sweep cracking down on suspected identity theft perpetrators as part of a stepped-up effort against refund fraud and identity theft. Working with the Justice Department's Tax Division and local U.S. Attorneys' offices, the nationwide effort targeted 105 people in 23 states.
Anyone who believes his or her personal information has been stolen and used for tax purposes should immediately contact the IRS Identity Protection Specialized Unit. For more information, visit the special identity theft page at www.IRS.gov/identitytheft[3].
Phishing is a scam typically carried out with the help of unsolicited email or a fake website that poses as a legitimate site to lure in potential victims and prompt them to provide valuable personal and financial information. Armed with this information, a criminal can commit identity theft or financial theft.
If you receive an unsolicited email that appears to be from either the IRS or an organization closely linked to the IRS, such as the Electronic Federal Tax Payment System (EFTPS), report it by sending it to firstname.lastname@example.com[4].
It is important to keep in mind the IRS does not initiate contact with taxpayers by email to request personal or financial information. This includes any type of electronic communication, such as text messages and social media channels. The IRS has information that can help you protect yourself from email scams[5].
About 60 percent of taxpayers will use tax professionals this year to prepare and file their tax returns. Most return preparers provide honest service to their clients. But as in any other business, there are also some who prey on unsuspecting taxpayers.
Questionable return preparers have been known to skim off their clients' refunds, charge inflated fees for return preparation services and attract new clients by promising guaranteed or inflated refunds. Taxpayers should choose carefully when hiring a tax preparer. Federal courts have issued hundreds of injunctions ordering individuals to cease preparing returns, and the Department of Justice has pending complaints against many others.
In 2012, every paid preparer needs to have a Preparer Tax Identification Number (PTIN) and enter it on the returns he or she prepares.
Signals to watch for when you are dealing with an unscrupulous return preparer would include that they:
For advice on how to find a competent tax professional, see Tips for Choosing a Tax Preparer[6].
Over the years, numerous individuals have been identified as evading U.S. taxes by hiding income in offshore banks, brokerage accounts or nominee entities, using debit cards, credit cards or wire transfers to access the funds. Others have employed foreign trusts, employee-leasing schemes, private annuities or insurance plans for the same purpose.
The IRS uses information gained from its investigations to pursue taxpayers with undeclared accounts, as well as the banks and bankers suspected of helping clients hide their assets overseas. The IRS works closely with the Department of Justice to prosecute tax evasion cases.
While there are legitimate reasons for maintaining financial accounts abroad, there are reporting requirements that need to be fulfilled. U.S. taxpayers who maintain such accounts and who do not comply with reporting and disclosure requirements are breaking the law and risk significant penalties and fines, as well as the possibility of criminal prosecution.
Since 2009, 30,000 individuals have come forward voluntarily to disclose[7] their foreign financial accounts, taking advantage of special opportunities to bring their money back into the U.S. tax system and resolve their tax obligations. And, with new foreign account reporting requirements being phased in over the next few years, hiding income offshore will become increasingly more difficult.
At the beginning of this year, the IRS reopened the Offshore Voluntary Disclosure Program (OVDP) following continued strong interest from taxpayers and tax practitioners after the closure of the 2011 and 2009 programs. The IRS continues working on a wide range of international tax issues and follows ongoing efforts with the Justice Department to pursue criminal prosecution of international tax evasion. This program will be open for an indefinite period until otherwise announced.
The IRS has collected $3.4 billion so far from people who participated in the 2009 offshore program, reflecting closures of about 95 percent of the cases from the 2009 program. On top of that, the IRS has collected an additional $1 billion from up front payments required under the 2011 program. That number will grow as the IRS processes the 2011 cases.
Flyers and advertisements for free money from the IRS, suggesting that the taxpayer can file a tax return with little or no documentation, have been appearing in community churches around the country. These schemes are also often spread by word of mouth as unsuspecting and well-intentioned people tell their friends and relatives.
Scammers prey on low income individuals and the elderly. They build false hopes and charge people good money for bad advice. In the end, the victims discover their claims are rejected. Meanwhile, the promoters are long gone. The IRS warns all taxpayers to remain vigilant.
There are a number of tax scams involving Social Security. For example, scammers have been known to lure the unsuspecting with promises of non-existent Social Security refunds or rebates. In another situation, a taxpayer may really be due a credit or refund but uses inflated information to complete the return.
Beware. Intentional mistakes of this kind can result in a $5,000 penalty.
Including income that was never earned, either as wages or as self-employment income in order to maximize refundable credits, is another popular scam. Claiming income you did not earn or expenses you did not pay in order to secure larger refundable credits such as the Earned Income Tax Credit could have serious repercussions. This could result in repaying the erroneous refunds, including interest and penalties, and in some cases, even prosecution.
Additionally, some taxpayers are filing excessive claims for the fuel tax credit. Farmers and other taxpayers who use fuel for off-highway business purposes may be eligible for the fuel tax credit. But other individuals have claimed the tax credit when their occupations or income levels make the claims unreasonable. Fraud involving the fuel tax credit is considered a frivolous tax claim and can result in a penalty of $5,000.
In this ongoing scam, the perpetrator files a fake information return, such as a Form 1099 Original Issue Discount (OID), to justify a false refund claim on a corresponding tax return. In some cases, individuals have made refund claims based on the bogus theory that the federal government maintains secret accounts for U.S. citizens and that taxpayers can gain access to the accounts by issuing 1099-OID forms to the IRS.
Don't fall prey to people who encourage you to claim deductions or credits to which you are not entitled or willingly allow others to use your information to file false returns. If you are a party to such schemes, you could be liable for financial penalties or even face criminal prosecution.
Promoters of frivolous schemes encourage taxpayers to make unreasonable and outlandish claims to avoid paying the taxes they owe. The IRS has a list of frivolous tax arguments[8] that taxpayers should avoid. These arguments are false and have been thrown out of court. While taxpayers have the right to contest their tax liabilities in court, no one has the right to disobey the law.
Filing a phony information return is an illegal way to lower the amount of taxes an individual owes. Typically, a Form 4852 (Substitute Form W-2) or a "corrected" Form 1099 is used as a way to improperly reduce taxable income to zero. The taxpayer may also submit a statement rebutting wages and taxes reported by a payer to the IRS.
Sometimes, fraudsters even include an explanation on their Form 4852 that cites statutory language on the definition of wages or may include some reference to a paying company that refuses to issue a corrected Form W-2 for fear of IRS retaliation. Taxpayers should resist any temptation to participate in any variations of this scheme. Filing this type of return may result in a $5,000 penalty.
IRS examiners continue to uncover the intentional abuse of 501(c)(3) organizations, including arrangements that improperly shield income or assets from taxation and attempts by donors to maintain control over donated assets or the income from donated property. The IRS is investigating schemes that involve the donation of non-cash assets –– including situations in which several organizations claim the full value of the same non-cash contribution. Often these donations are highly overvalued or the organization receiving the donation promises that the donor can repurchase the items later at a price set by the donor. The Pension Protection Act of 2006 imposed increased penalties for inaccurate appraisals and set new standards for qualified appraisals.
Third parties are improperly used to request employer identification numbers and form corporations that obscure the true ownership of the business.
These entities can be used to underreport income, claim fictitious deductions, avoid filing tax returns, participate in listed transactions and facilitate money laundering, and financial crimes. The IRS is working with state authorities to identify these entities and bring the owners into compliance with the law.
For years, unscrupulous promoters have urged taxpayers to transfer assets into trusts. While there are legitimate uses of trusts in tax and estate planning, some highly questionable transactions promise reduction of income subject to tax, deductions for personal expenses and reduced estate or gift taxes. Such trusts rarely deliver the tax benefits promised and are used primarily as a means of avoiding income tax liability and hiding assets from creditors, including the IRS.
IRS personnel have seen an increase in the improper use of private annuity trusts and foreign trusts to shift income and deduct personal expenses. As with other arrangements, taxpayers should seek the advice of a trusted professional before entering a trust arrangement.
Source URL: http://investorplace.com/2012/02/12-tax-scams-to-watch-for-irs-dirty-dozen/
Short URL: http://invstplc.com/1nxRZxW
Copyright ©2017 InvestorPlace Media, LLC. All rights reserved. 700 Indian Springs Drive, Lancaster, PA 17601.


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Will You Splurge On Yourself This Holiday Season
A recent survey by the National Retail Federation find the average holiday shopper will spend $749.51 on gifts, decor, greeting cards and more.
Six in ten shoppers, the most in survey's histor, plan to spend an average of $139.92 on "self-gifting" this holiday season. Which means we're going to buy something for ourselves! Money is tight, and buying gifts for kids and family can be overwhelming, but just think about it…You're in a store looking around and you spot something you would love…What the heck go for it! You deserve it!
The biggest portion of the holiday budget will go towards gifts for family members, with the average person planning to spend $421.82 on their kids, parents, and other family members.
Will you buy yourself a Christmas present? Have you started your Christmas shopping yet?


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Jerusalem (CNSNews.com) - Israeli opposition leaders say Prime Minister Ehud Barak and President Clinton are trying to tip Israeli public opinion in favor of withdrawing from the Golan Heights by getting Congress to approve huge sums of financial aid, and they believe Barak is once again relying on Clinton advisor James Carville to help him win support for the move.
Any deal Barak makes with the Syrians involving the handover of territory must first receive an absolute majority of 61 out of 120 votes in the Knesset and it must also win approval in a public referendum.
Barak could thus conceivably make a deal that could never be enacted because it is not ratified by both the Knesset and the people.
When Barak and Syrian Foreign Minister Farouk Shara went into a first round of talks last month, analysts said Israelis were split down the middle over a withdrawal from the Golan Heights.
Now opposition Likud party leader Ariel Sharon says Clinton and Barak are not playing fair.
At a meeting of the party's lawmakers Tuesday, Sharon charged that the U.S. administration is trying to buy off Israeli voters by getting Congress to approve billions of dollars in financial aid.
He said opinion polls commissioned by Likud and Barak's Labor party show that an $18 billion cash supplement from the United States would increase Barak's chances of winning a referendum by 10 percent.
An official in Sharon's office told CNSNews.com the information had come from "American sources."
However, a report in The Jerusalem Post said party officials understood the information was provided by the offices of American political strategist James Carville.
According to the report, Sharon alleged that the public relations firm that deals with Clinton's image also is attending to Barak's affairs ahead of a referendum.
American political strategists played a key role in the last Israeli election, and it was no secret that Clinton sent Carville to promote Barak's campaign. Now it appears Carville is back on the campaign trail again, this time to convince Israelis to trade the Golan Heights for a peace treaty.
Tal Ziberstein, head of the Labor party's information campaign, said he was not giving interviews because there is no agreement with the Syrians yet, and thus no campaign.
However, a source in the Labor party told CNSNews.com any "campaign" would not focus on withdrawal from the Golan Heights but on promoting the peace process.
Senior Likud party member Moshe Arens said the shift toward dependence on American aid was troubling. Arens said he was "disturbed by the tremendous emphasis that our prime minister puts on assistance from the United States."
"We've never had anything like that before," Arens told Israel Radio.
"Israel has for 51 years been an independent country, a proud and independent country that has received some aid from the United States but basically [has been] dependent on itself and only on itself.
"That's the way its got to be done in the future, otherwise Israel's future's going to be very bleak," he said.


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"On a normal day, Korea might be good for one-quarter of a percent," scoffs the managing director at one bank.
Abandoned by an alcoholic father, he served in the Air Force and discovered martial arts while stationed in Korea.
Perry laid out three options to substantially reinforce the 37,000 U.S. troops already in Korea.
In Korea, the Ministry of the Knowledge Economy is working with LG and Samsung.
For five decades in times of war and peace, Hope crisscrossed the globe visiting troops in places like Korea, Vietnam and Lebanon.
The name of the country in which this little boy lived is Korea.
India ranks about third; China and Korea produce about the same quantity.
In Korea the door is shut, and Japan has made entrance to the other spheres of little advantage.
We want America to know that our faith in the Independence of Korea has not died!
The conclusion eventually arrived at was to neutralise the Japanese action by opening Korea to the whole world under treaty.
from Chinese Gao li, name of a dynasty founded 918, literally "high serenity." Japanese Chosen is from Korean Choson, literally "land of morning calm," from cho "morning" + son "calm." Related: Korean (1610s).
Historic region consisting of North Korea and South Korea; peninsula off northeastern China separating the Yellow Sea and Sea of Japan, two arms of the Pacific Ocean.
Note: Korea was under Japanese rule in the early twentieth century. At the end of World War II, Korea was divided at the thirty-eighth parallel of north latitude into two zones, with troops of the Soviet Union in the north and troops of the United States in the south. By 1948, two separate governments had emerged, the communist Democratic People's Republic of Korea in the north and the noncommunist Republic of Korea in the south. American and Soviet troops were withdrawn by 1949. The Korean War (1950–1953) began when North Korean forces invaded South Korea. Forces of the United Nations under General Douglas MacArthur aided South Korea, whereas Chinese forces aided North Korea.


text: > Hi all, > Hi > Warning: this is a long email :-). In the last few days, I fixed a > number of > outstanding issues with the Midi Kit, and I would like to let you know > what > I did and where we stand now. > Next time make a newsletter ;) > THE SOFTSYNTH (PART 1) > > > Jerome, this is different from what you wanted to do. BSoftSynth is a > replacement for your SynthConsumer class. If you are still interested in > working on the softsynth, you should use BSoftSynth for that. I did not > use > your MidiFileProducer and MidiFileConsumer. Instead, I used BMidiStore to > implement BMidiSynthFile. But it was good to have your code, because it > saved me a lot of work :-) Thanks. > As soon I will have some time I will work on it. I have write this 3 class because Midi1 are on death time and that's stupid to use it for using MidiFiles or softsynth we will use it on OpenBeOS R2. For class MidiFileXxx most of my work are based from your work on BMidiFile. > THE SOFTSYNTH (PART 2) > Jerome, I hope you don't mind that I am looking at an alternative for > your > synth. I know that you are very busy and don't have a lot of time to > work on > it. Ideally, we would like to be able to demonstrate a fully working Midi > Kit at WalterCon (mid June this year) and for that we need the synth. Of > course, if yours turns out to be better, we will use that instead ;-) > I'm not thinking about that. Don't worry. But have you test it or it doesn't work at all becausse at home that work pretty good. Still a lot of unimplemented features and lot of bugs. Thanks again for the work you do Matthijs -- A+ Jerome


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Small banks and financial institutions will be granted a reprieve by global regulators from tough new liquidity rules, sparing them from higher funding costs.
The revelation from Australian Prudential Regulation Authority chairman
"There appears to be little that will directly create lower residential mortgage pricing," Moody's senior vice-president, Patrick Winsbury, said.
Moody's said in a report that small institutions would struggle to achieve the Aaa ratings that investors sought on their covered bonds.
The bonds – which form part of Labor's banking competition package – give bondholders added "cover" by entitling them to make a claim on a bank's deposits in the event of a default. Treasurer
Mr Swan proposed a $4 billion injection of funds to the residential mortgage-backed securities market through the Australian Office of Financial Management.
But Mr Symond said a directive to the AOFM that major banks and their subsidiaries be excluded from the funds had caught Aussie in its net because it was 33 per cent-owned by
"I will be pursuing the Treasurer's office directly," he told the Senate inquiry into banking competition, noting the impact could ultimately result in higher rates for Aussie borrowers.
Dr Laker revealed yesterday during his testimony before the Senate inquiry that small institutions would evade the most onerous measures proposed by the Basel Committee on Banking Supervision, the global body leading financial system reform.
Banks will learn as soon as this week the full extent of the so-called Basel III reforms prescribed by the Basel Committee, which is revising the capital and liquidity standards all banks have to comply with under a mandate from the Group of 20 nations in the aftermath of the global financial crisis.
While the higher capital requirements are well understood, a lingering area of concern has been what kind of instruments qualify as liquid assets. Dr Laker said the Basel III reforms to liquidity "will acknowledge that Australia has unique circumstances when it comes to the supply of high-quality liquid assets needed for that buffer".
"We will also be saying that the smaller institutions will not be subject to that LCR [liquidity coverage ratio] regime," he said.
"Now smaller building societies, maybe a couple of banks, but also our credit unions work on a simpler liquidity framework that serves those complex institutions well. They will stay on that."
APRA declined to specify which institutions fell within the smaller end of its supervisory field.
The regulator will begin a process of consultations with each deposit taker in 2011 over the application of Basel III.
Sparing small banks from an LCR averts a potential situation whereby the second tier of Australian credit providers would have to compete with the big four for liquid assets that are in short supply. A liquidity coverage ratio is a measure of the capacity of a bank's balance sheet to withstand crisis. It ensures banks can meet the demands of depositors if credit markets seize up.
Liberal senator David Bushby, who is chairing the banking inquiry, said before the second day of hearings began yesterday that Labor had made no substantive proposals to introduce more competition.
"While Mr Swan's proposals directly reflect some needed reform pushed on him by the Coalition and community concerns, the hearings appear to show there is still a long way to go before we see a real and substantive increase in competition," Senator Bushby said.
Mr Swan retaliated by saying the Liberals had no real banking reform agenda and were "captive to the big banks".
The Australian Securitisation Forum – which represents issuers of mortgage-backed securities – said it was too early to rule out benefits to smaller lenders.
"The European experience gives us every confidence that non-majors will be able to reap the benefits alongside the major banks," ASF chief operating officer Alex Sell said.
An analysis by its covered bond working group had also found that lower-rated lenders would receive more of a pricing advantage than the majors from covered bonds, he said.
The financial services sector continues to dissect the impact of a covered bond market in Australia for the first time. Investors interested in the asset class overwhelmingly want top-rated Aaa securities.
Moody's said the major banks could use the bonds to diversify their funding sources and refinance their government-guaranteed bonds.
Dr Laker signalled that APRA was ready to consult with the government on legislative reforms to pave the way for the issuance of covered bonds.
The Treasurer has committed to opening up the domestic capital markets to covered bonds in a bid to diversify funding sources and stimulate competition.
Until now, APRA has stopped banks from issuing such bonds because they jeopardise the rights of depositors, which is prohibited by the Banking Act. In his first comments since Labor's banking package was released, Dr Laker said that with the right framework, depositors' interests would not be compromised.
"We look forward to working with the government on a legislative framework that would allow covered bonds to be introduced in Australia, at the same time balancing the interests of depositors," Dr Laker said.
While he would not be drawn on the prospects for further competition among lenders, he noted that before the financial crisis strong competition had posed a dilemma for the regulator by driving down credit standards.
The regulator had been concerned by the deterioration of lending standards stemming from the credit wars when competition was rife, he said.
"We did see quite strong competition in housing lending which took the form of a dilution of credit standards and that was a form of competition which we were uncomfortable with," Dr Laker said, citing credit underwriting standards and the prevalence of low-doc loans.
"That's competition which does raise prudential concerns and of course if you look at the sub-prime experience in the United States, you see that writ very large."
Yesterday's inquiry also heard from the peak body for mortgage brokers. Mortgage and Finance Association chief Phil Naylor said a blanket ban on mortgage exit fees could force some smaller lenders to put up their interest rates, undermining plans to step up competition against the big four banks.
The Australian Financial Review


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I cannot believe that Chanukah and Thanksgiving are almost here. I thought I would put easy links to recipe favorites of mine. I hope you and yours have a wonderful Holiday week.
Turkey [1]
Stuffing [4]
Yam Bake [5]
Latkes [6]
Brisket [7]
Pumpkin Pie [8]
Apple Pie [9]
Apple Hives [10]
Cranberry Sauce [11]
Sufganiyot [12]
Bumuelos [13]


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Flames NewsFlames Home > Women's Soccer Home > News
Open Net with Ashley Nyholt
Nyholt, a goalkeeper, appeared in five games and started in four for the Lady Flames. She transitioned into the role of starting goalkeeper late in the season, and recorded four shutouts.
Nyholt was named the Big South Player of the Week for the final week of the regular season, and was also named to the Big South All-Tournament Team.
Nyholt, a graduate of St. Thomas Aquinas High School, posted the most shutouts in her final season with the Ontario Youth Soccer League. Her twin sister, Laura, is a midfielder for the Lady Flames.
Getting to Know Ashley Nyholt
What is your favorite Bible verse?
Proverbs 3:5-6: "Trust in the Lord with all your heart and lean not on your own understanding; in all your ways acknowledge Him, and He will direct your path."
I know it's not good for me, but I love to eat …
Canadian Oreos and milk
I came to Liberty because …
I wanted to go to a Christian school and play Division I soccer.
Share something about one of your teammates that someone outside the program would never know without you telling them.
Caitlyn Riley is a neat freak, and organizes everything. But I love her anyway!
My earliest memory while competing in my sport is …
Playing soccer in the hallway at my house with my dad and sister, Laura.
My dream job would be …
Those people on travel shows who go around the world to different resorts. That would be amazing!
The team that I'm most looking forward to competing against this year is (and why) …
Virginia – because their stadium is amazing.
What is the best book you have ever read (other than the Bible)?
Sophie's Heart
If you could have one super power, what would it be and why?
To be able to fly, so I could travel all around the world and not have to pay for airfare.
The TV show I can't live without watching each week is (and why) ...
Reba, because it makes me laugh every time.
If I were named "Coach for a Day", I would make my coaches (and why) …
Run the mile over, and over, and over, and over, and over again.
My favorite thing about being a part of the Liberty women's soccer team is (and why) …
Being surrounded by amazing girls every day of the school year.
If someone would look at the songs on my iPod, I would be embarrassed for them to see I have this song …
The entire soundtracks of Sound of Music and Mary Poppins.
What is the most exciting thing you did this summer?
Went to Michigan to see Amy Oberlin Frazee (former Liberty teammate) get married.
What is your favorite vacation spot?
Do you have any pre-match habits/rituals, and what are they?
Take a nice, long nap
What is the best advice you have ever received, and who gave it to you?
"Work as though everything depends on you, and pray as though everything depends on God." – My mom


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Hi at all,
I 've already read some posts in this forum about these tools working toghether but i got an unintended result.
Here is my set up with mentioned tools on the same host :
iptables :
iptables -t nat -A PREROUTING -p tcp --dport 80 - j REDIRECT --to-port 666
squid-cache 3.0 as transparent proxy the rest of squid.conf file is unchanged except:Code:
http thishost 3128
and except the http_access rules..Code:
http_port 3128 transparent
I tried to use sslstrip "piped" to squid transparent proxy(in the same evil host) when doing a MITM attack with ARPSPOOF method in a lan.Code:
proxychains sslstrip -l 666
Why squid? well, the next step will be to modify html content on the fly through squid and an icap server.
It doesn't work as i expect.
Squid duplicate every request to the same site to port 80 and the to port 443.
It seems squid try to get the requested http content from a site contacting it to port 80 and then to port 443 as it was in dubt about the nature(http or https) of the traffic it has to manage.
And in fact i got connections only to hosts accepting https connection!Code:
[S-chain] -<>- myhost:3128 -<><>- 22.214.171.124:80-<--denied
[S-chain] -<>- myhost:3128 -<><>- 220.127.116.11:443-<><>-OK
i.e trying to get google.com..i got encrypetd.google.com
I tested singularly all chain components and they work correctly.
Does proxychains tunnel via ssh the all the traffic catched by sslstrip?
p.s : i made a revert of this chain, i tried to proxify squid..but proxychains detached the squid process immediatly as strace command reports.
Thanks in advance.


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May 9, 2012
Buy Tickets Now
Championship Central
|Game Information
|No. 12/11 Penn
|Sunday, May 13, 2012
|1 p.m.
|Baltimore, Maryland | Ridley Athletic Complex
|Getting There
|Online Media
|Live Stats | Video | Audio
|Follow Us
|Facebook | Twitter
|Game Notes
|Complete Game Notes in PDF Format
Sunday's Game
• This will mark the first time that Loyola and Penn have met since 2005, while it will be the second time the two have met in the NCAA Tournament.
• Penn beat Loyola, 9-5, in the Greyhounds' first-ever NCAA Tournament game in 1983.
• Sunday's winner will advance to the quarterfinals to face the winner of UMass at No. 3 Maryland.
Loyola Greyhounds (13-5, 7-1 BIG EAST)
• Loyola is coming off its second-straight BIG EAST title and will be the No. 6 seed in the tournament.
• Sixteen Greyhounds have tallied goals for Loyola this year, while eight have reached double figures in scoring. Sophomore Marlee Paton leads the way with 84 points on 50 goals and 34 assists, while freshman Annie Thomas has 63 points on 36 goals and 27 assists. Paton is ranked eighth in the NCAA in points per game (4.67), while Thomas is the top freshman at 3.5 points per game.
• Freshman Hannah Schmitt is tied for second on the team in goals (36) and is third in points (44), while Sydney Thomas has 42 points on 21 goals and 21 assists. Junior Joanna Dalton has 29 points (25g, 4a) and classmate Cassandra Cursaro has 17 points (16g, 1a), while freshman Molly Hulseman has 16 points (15g, 1a). Freshman Kara Burke rounds out the Greyhounds in double figures with 13 points on 10 goals and three assists.
• Defensively, senior Kellye Gallagher leads the BIG EAST with 60 ground balls (ranked fifth nationally) and 48 caused turnovers (ranked second nationally), while classmate Ana Heneberry is ranked second in the league in caused turnovers with 36 (eighth nationally).
• In goal, senior Kerry Stoothoff has a 9.79 GAA and is stopping 46.5 percent of shots faced.
Scouting Penn (9-7, 6-1 Ivy League)
• Penn, the Ivy League regular season champion, lost to Dartmouth in the championship game of the conference tournament, 6-4, but earned an at-large bid to the NCAA Tournament.
• This will mark the Quakers' sixth-straight trip - and eighth overall - to the national tournament.
• Penn has played one of the toughest schedules in the country this year, with all seven of its losses coming at the hands of teams ranked inside the top-13 at the time of the meeting.
• Erin Brennan leads the Quakers with 31 goals this year and 26 assists for 57 points.
• Meredith Cain is second on the team with 30 goals and 35 assists.
• Maddie Poplawski has won a team-best 57 draw controls, while Cain has won 41.
• Defensively, Emily Leitner has won 47 ground balls and caused 15 turnovers.
• In goal, Leitner is allowing 9.46 goals per game while stopping 45.0 percent of shots faced.
Series Record vs. The Quakers
• Despite not meeting since 2005, Loyola holds a 15-4 advantage in the all-time series with Penn, including winning the last 13-straight games. Loyola's last loss was on the road in 1989, 6-5.
• In NCAA Tournament games, the Quakers defeated the Greyhounds in Loyola's first-ever tournament contest, 9-5, in 1983.
• The win also marked Penn's first-ever victory in the NCAA Championship.
• In Baltimore, Loyola is 9-1, but this will mark the first game at Ridley Athletic Complex.
NCAA Notes
• This mark's Loyola's 15th NCAA Tournament appearance and second straight.
• Under head coach Jen Adams, the Greyhounds are 1-1, as they knocked off UMass, 14-7, at home in the first round last year, before falling to North Carolina, 16-13, on the road.
• This will also be the second-year in a row that the Greyhounds have earned the No. 6 seed in the tournament.
• Loyola is 8-4 in the NCAA Tournament when playing at home and 1-0 at Ridley Athletic Complex.
• This marks the second-straight year that the Greyhounds have hosted a first-round game.
NCAA Tournament History
• The Greyhounds are making their 15th appearance in the NCAA Championship and their second-straight under head coach Jen Adams.
• Loyola is 12-14 all time in the tournament, including holding an 8-6 mark in first round action.
• The Greyhounds have advanced to the final four seven times, including playing in the national championship game in 1997, before ultimately falling to Maryland, 8-7.
• The last time Loyola made it to the final weekend was in 2003.
Path To The Title
• If Loyola is to advance, the Greyhounds will not face a familiar opponent until possibly the semifinal round.
• The winner of Sunday's game will face the winner of the Massachusetts at No. 3 seed Maryland game that will be played on Saturday, May 12 at 2 p.m. The Greyhounds did not face either of those teams this year.
• Loyola could also match-up against Syracuse, Towson or Penn State if it were to advance to the final game.
Versus NCAA Tournament Participants
• The Greyhounds went 4-3 against NCAA Tournament teams this year, beating Notre Dame twice and splitting two meetings with Syracuse. Loyola also defeated Penn State in overtime, but fell to Virginia and Towson.
• In the postseason, the Greyhounds are 2-0 against tournament participants, knocking Notre Dame out of semifinals of the BIG EAST Tournament, 11-9. Loyola then upset Syracuse, 13-7, in the championship game for its second-straight conference title and the automatic bid to the national tournament.
Sibling Rivalries
• Loyola's junior Joanna Dalton and senior J.P. Dalton are one of two pairs of brother/sister siblings trying to lead their respective schools to both a men's and women's NCAA Championship this postseason.
• Syracuse has the other pair, as Mallory Vehar is a freshman on the women's team and her brother, Griffin, is a redshirt sophomore on the men's team.
Elite Programs
• There are eight schools that advanced both their men's and women's programs to the NCAA Tournament.
• Of those eight programs, Loyola is the only one to advance both its men's and women's teams by automatic bids - as the men won the ECAC title and the women claimed the BIG EAST's automatic bid after winning the league title for a second-straight year. UMass also qualified both automatically, however the Minutewomen beat Canisius, 13-12, in a play-in game to advance to the first round.
• Syracuse and Notre Dame, from the BIG EAST, also advanced both its men's and women's teams, while the ACC is represented in both tournaments by Duke, Maryland, North Carolina and Virginia.
Maryland In The NCAA Championship
• Loyola is one of four teams from Maryland to compete for this year's NCAA title; Towson, Maryland and Navy are the others.
• All four teams could advance to the quarterfinals, as Towson, UMD and Loyola all have home games. Navy will head to UNC.
• Only three would be able to represent the state in the final four though, as Loyola and Maryland would meet in the semifinals if both advance.
Maryland Coaching Connections
• Maryland head coach Cathy Reese and Loyola's Jen Adams won the 1999 NCAA title at Maryland while playing for Navy's current head coach, Cindy Timchal. Reese and Adams also coached together at Denver and Maryland before Adams came to Loyola.
• In addition, Adams led Maryland to the 2000 and 2001 NCAA titles - her third-and-fourth straight as a Terrapin, while playing with Towson head coach Sonia LaMonica.
BIG EAST Championship History
• The Greyhounds are 4-1 in three tournament appearances; 0-1 in 2010, 2-0 in 2011 and 2-0 in 2012.
• Loyola won the 2011 title with a 12-10 victory over Notre Dame in the championship game and this year's title with a 13-7 upset win at No. 2 Syracuse.
• Loyola used a 4-0 run to close out the first half with a 7-3 advantage, marking just the third time the Orange have trailed at half this year. A 6-0 second half run gave the Greyhounds a 13-4 advantage, en route to a 13-7 upset win over No. 2 Syracuse for Loyola's seond-straight BIG EAST title.
• The Greyhounds' freshmen scored the first six goals for Loyola, including six of the seven first half tallies, while freshman Kara Burke led the way with a career-best four goals on the day.
• In goal, senior Kerry Stoothoff recorded her 500th career save and her 20th career 10-plus save game, turning back a game-high 11 shots, while limiting Syracuse to a season-low seven goals.
• Stoothoff and Burke, in addition to seniors Ana Heneberry and Kellye Gallagher, junior Joanna Dalton, sophomore Marlee Paton and freshman Annie Thomas were all named to the all-tournament team.
Loyola Knocks Off Notre Dame In BIG EAST Tournament
• The Greyhounds advanced to the BIG EAST Tournament title game for a second-straight year, knocking off third seeded and No. 6 Notre Dame, 11-9, in the semifinals.
• Senior Kellye Gallagher broke the school record for single season caused turnovers, moving her total to 46 this year by causing three turnovers in the game.
• Sophomore Marlee Paton led the attack with four goals and two assists, extending her scoring streak to 23-straight games, while junior Joanna Dalton added four goals.
BIG EAST Awards
• Senior Kellye Gallagher became the first player in program history to be tabbed the BIG EAST Defensive Player of the Year, earning the honor after leading the league in caused turnovers and ground balls.
• Sophomore Marlee Paton also earned a major award, being voted the league's midfielder of the year. She's the second Greyhound to earn the honor, joining Kate McHarg (2006).
• Joining Gallagher and Paton on the All-BIG EAST First Team is senior defender Ana Heneberry, senior goalkeeper Kerry Stoothoff and freshmen Annie Thomas and Sydney Thomas.
• Freshman Hannah Schmitt was named to the all-conference second team.


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National Water-Quality Assessment (NAWQA) Project
More Information about Volatile Organic Compounds
Volatile Organic Compounds National Synthesis Project
Sorted by: | Publication Date (newest first) | Publication Date (oldest first) | Author (A-Z) | Author (Z-A) | Title (A-Z) | Title (Z-A) |
Showing results 151 to 176 of 353.
Go to page: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
Kalkhoff, S.J., 2000, Summary of the major water-quality findings from the Eastern Iowa Basins study unit of the National Water-Quality Assessment Program: Iowa Groundwater Quarterly, Fall 2000, vol. 11, no. 3, p. 20-21. Available Online
Kleiss, Barbara A., Coupe, Richard H., Gonthier, Gerard J., and Justus, Billy G., 2000, Water quality in the Mississippi Embayment, Mississippi, Louisiana, Arkansas, Missouri, Tennessee, and Kentucky, 1995-98: U.S. Geological Survey Circular 1208, 36 p. Available Online
Lapham, Wayne W., Moran, Michael J., and Zogorski, John S., 2000, Enhancements of nonpoint source monitoring of volatile organic compounds in ground water: Journal of the American Water Resources Association, vol. 36, no. 6, December 2000, p. 1321-1334. doi: 10.1111/j.1752-1688.2000.tb05729.x Available Online
Lopes, Thomas J., Fallon, James D., and Maluk, Terry L., 2000, Compositing water samples for analysis of volatile organic compounds: Journal of Environmental Engineering, August 2000, p. 769-773. Available Online
Lopes, Thomas J., Fallon, James D., Rutherford, David W., and Hiatt, Michael H., 2000, Volatile organic compounds in storm water from a parking lot: Journal of Environmental Engineering, December 2000, p. 1137-1143. doi: 10.1061/(ASCE)0733-9372(2000)126:12(1137) Available Online
McPherson, Benjamin F., Miller, Ronald L., Haag, Kim H., and Bradner, Anne, 2000, Water quality in southern Florida, 1996-98: U.S. Geological Survey Circular 1207, 32 p. Available Online
Moran, Michael J., Clawges, Rick M., and Zogorski, John S., 2000, Identifying the usage patterns of methyl tert-butyl ether (MTBE) and other oxygenates in gasoline using gasoline surveys: in Proceedings of the American Chemical society, 219th ACS National meeting, 2000: San Francisco, CA, American, American Chemical Society, vol. 40, no. 1, p. 209-218.
Moran, Michael J., Halde, Mike J., Clawges, Rick M., and Zogorski, John S., 2000, Relations between the detection of methyl tert-butyl ether (MTBE) in surface and ground water and its content in gasoline: in Proceedings of the American Chemical society, 219th ACS National meeting, 2000: San Francisco, CA, American, American Chemical Society, vol. 40, no. 1, p. 195-198.
Moran, Michael J., Zogorski, John S., and Squillace, Paul J., 2000, MTBE in groundwater of the United States--Occurrence, potential sources, and long-range transport: Soil, Sediment & Groundwater MTBE special issue, p. 57-62. Available Online
Myers, Donna N., Thomas, Mary Ann, Frey Jeffrey W., Rheaume, Stephen J., and Button, Daniel T., 2000, Water quality in the Lake Erie-Lake Saint Clair Drainages, Michigan, Ohio, Indiana, New York, and Pennsylvania, 1996-98: U.S. Geological Survey Circular 1203, 35 p. Available Online
Parnell, James M., 2000, Shallow ground-water quality in the Platte River Valley alluvium, Nebraska, October-November 1997: U.S. Geological Survey Fact Sheet FS-151-00, 6 p. Available Online
Ruetter, David C., and Dunn, David D., 2000, Water-quality assessment of the Trinity River Basin, Texas--Ground-water quality of the Trinity, Carrizo-Wilcox, and Gulf Coast Aquifers, February-August 1994: U.S. Geological Survey Water-Resources Investigations Report 99-4233, 56 p. Available Online
Ruhl, James F., Fong, Alison L., Hanson, Paul E., and Andrews, William J., 2000, Water-quality assessment of part of the Upper Mississippi River Basin, Minnesota and Wisconsin--Ground-water quality in an agricultural area of Sherburne County, Minnesota, 1998: U.S. Geological Survey Water-Resources Investigations Report 00-4107, 33 p. Available Online
Sadorf, Eric M., and Linhart, S. Michael, 2000, Ground-water quality in alluvial aquifers in the Eastern Iowa Basins, Iowa and Minnesota: U.S. Geological Survey Water-Resources Investigations Report 00-4106, 46 p. Available Online
Savoca, Mark E., Sadorf, Eric M., Linhart, S. Mike, and Akers, Kymm K.B., 2000, Effects of land use and hydrogeology on the water quality of alluvial aquifers in eastern Iowa and southern Minnesota, 1997: U.S. Geological Survey Water-Resources Investigations Report 99-4246, 38 p. Available Online
Sheets, Charlynn J., and Kozar, Mark D., 2000, Ground-water quality in the Appalachian Plateaus, Kanawha River Basin, West Virginia: U.S. Geological Survey Water-Resources Investigations Report 99-4269, 25 p. Available Online
Squillace, Paul J., and Moran, Michael J., 2000, Estimating the likelihood of MTBE occurrence in drinking water supplied by ground-water sources in the Northeast and Mid-atlantic regions of the United States: U.S. Geological Survey Open-File Report 00-343, 10 p. Available Online
Stackelberg, Paul E., Kauffman, Leon J., Baehr, Arthur L., and Ayers, Mark A., 2000, Comparability of nitrate, pesticides, and volatile organic compounds in samples from monitoring and public-supply wells, Kirkwood-Cohansey aquifer system, southern New Jersey: U.S. Geological Survey Water-Resources Investigations Report 00-4123, 78 p. Available Online
Thiros, S.A., 2000, Analysis of nitrate and volatile organic compound data for ground water in the Great Salt Lake Basins, Utah, Idaho, and Wyoming, 1980- 98, National Water-Quality Assessment Program: U.S. Geological Survey Water-Resources Investigations Report 00-4043, 20 p. Available Online
Thiros, S.A., 2000, Quality of shallow ground water in areas of recent residential and commercial development in Salt Lake Valley, Utah, 1999: U.S. Geological Survey Fact Sheet 106-00, 6 p. Available Online
Anderson, Robert M.,Beer, Kevin M., Buckwalter, Theodore F., Clark, Mary E., McAuley, Steven D., Sams III, James I., Williams, Donald R., 2001, Water quality in the Allegheny and Monongahela River Basins, Pennsylvania, West Virginia, New York, and Maryland, 1996-98: U.S. Geological Survey Circular 1202, 32 p. Available Online
Baehr, Arthur L., Charles, Emmanuel G., and Baker, Ronald J., 2001, Methyl tert- butyl either degradation in the unsaturated zone and the relation between MTBE in the atmosphere and shallow ground water: Water Resources Research, vol. 37, no. 2, p. 223-233. Available Online
Clawges, Rick, Rowe, Barbara, and Zogorski, John, 2001, National survey of MTBE and other VOCs in community drinking-water sources: U.S. Geological Survey Fact Sheet FS-064-01, 4 p. Available Online
Cordy, Gail E., Gellenbeck, D.J., Gebler, Joseph B., Anning, David W., Coes, Alissa L., Edmonds, R.J., Rees, Julie A.H., and Sanger, H.W., 2001, Water quality in Central Arizona Basins, Arizona, 1995-98: U.S. Geological Survey Circular 1213, 38 p. Available Online
Dawson, Barbara J. Milby, 2001, Ground-water quality in the southeastern Sacramento Valley Aquifer, California, 1996: U.S. Geological Survey Water-Resources Investigations Report 01-4125, 24 p. Available Online
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text:
February 3, 2003
Members Present: Jim VanAlstine (chair), Dominique
Karlsson, Ken Hodgson, Lowell Rasmussen, Maddy Maxeiner, Andy Lopez,
Ken Crandall, Jackie Thorvaldson, Dennis Templeman
Absent: Carol McCannon, Clare Strand, Amy Ackerman, Shaun Hainey, Ferolyn Angell, LeAnn Dean
Jim Mootz, Gary Strei
(In these minutes: Discussion of Admissions;
Continued discussion of budget process; Budget Open Form)
Introduction of new student member Dominique Karlsson who replaces Jeffrey Xiong.
Minutes of January 27, 2003 approved on a motion by Lopez, second by Crandall.
Jim Mootz offered his thanks to the committee for inviting him to the meeting and said he was happy to be on campus. UMM is not presently where we should be for fall 2003, but the Admissions staff is working diligently to improve those numbers. He added that the reason there was no mention of UMM in the article in the Star & Tribune was because he had nothing good to tell the reporter. The average ACT for fall 2003 is 25.3, last year is was 24.9; the average high school rank is 81st percentile, last year it was 82nd percentile. Financial aid awards will go out starting March 1. He has talked to Residential Life and housing requests have already been sent to students. He has also spoken with the division chairs asking them to support a letter writing campaign to newly admitted students. We are understaffed in the admissions office for what we expect of them. He added that Andy Lopez has been very, very helpful. VanAlstine inquired about the March 1 financial aid date and how we compare with other schools. Mootz said that timeline is normal within the University system. However, we're at a disadvantage because we compete with the private schools and they've already made their awards by that date. Lopez said some of the work is done ahead of time, for example, students are told of automatic scholarships at the time of admittance. Crandall asked if minority student scholarships have an actual deadline date. Mootz said there was one deadline date set for publication purposes, but that would be open until the funds were exhausted. Hodgson inquired about our average ACT of 25.3 and whether or not there is a significant pool of students in that proportion to fill our enrollment. Mootz responded that many students who fit that profile have already been grabbed by other schools because private schools certainly want the image that they are only attracting the best. Hodgson said he knows some students who don't even apply to UMM because they assume they will not get in. Mootz explained that they use AAR (two times ACT + high school rank), that score is usually around 115. Admission is not a black and white decision--they look at the classes students have taken and at their essay. Hodgson also asked if we are approaching the breakeven point with the private colleges because they are so well endowed. Mootz said that yes we are losing students to private colleges. Everyone area at Morris is underfunded and understaffed. He also added that private schools usually have an excellent lobby system. Crandall added that he has seen an increase of students interested in football because of the switch in division and wondered if Admissions reps could be here on Saturdays to help recruit. Mootz said the staff is already putting in 12 hour days and they can't do that six days a week. However, he would like to have us open Saturday mornings. Hodgson added that he appreciates everything Mootz and the Admissions staff are doing. VanAlstine said Mootz was welcome to be an adjunct member of this committee. Rasmussen inquired about the changes in the financial aid and wondered if the committee needs more information. Mootz suggested Pam Engebretson attend a future meeting to address this issue.
Budget and Open Forum
Strei distributed the following budget handout:
UMM Budget - July 1, 2002 - June 30, 2003
Funds received from U of M
Estimated tuition revenues $ 9,613,464 38%
Total UMM Budget $25,293,453
Major Expense Items Already Committee:
Fringe Benefits $ 4,150,373
Sequestered Deficit $ 386,470
Enterprise Tax (1.25% of salaries) $ 173,800
IRS Tax (6.3% of revenues) $ 1,600,000
SE&E Already Spent (12/31/02) $ 3,150,671
Total Expenses $23,364,864
Crandall said that 55% of his budget is spent on campus and commented
that he has to make cuts it ultimately affects someone else on campus.
Strei added that there could be a real negative impact on self-support
departments on campus and could impact the community as well. Crandall
then wondered if there are some entities on campus that are making money
and whether or not he was being overcharged. He also asked if the
vice chancellors will simply be listening today at the forum or offering
ideas and what we expect from the Open Forum. VanAlstine added that
he has been asked to serve as moderator and he hopes the forum will provide
information to the campus and that suggestions or comments will be made.
Karlsson asked how much more it costs to operate a remodeled building on
campus. Rasmussen said the costs go up from about $3 up to $10 gross
square footage. Hodgson said he wish we had a brilliant plan to prevent
us from losing students because of the budget deficit.
Adjourned at 3:45 p.m.


text:
Eyelid Surgery Q&A
Time Between + Eyelid Surgery
Will Blepharoplasty Affect my Previous Lasik Surgery?
I just have my Lasik done in Jan 09, currently planning for the upper blepharoplasty in May 09? It is around 4 months interval. What are the risks... READ MORE
Lower Eyelid Sagging After Zygomatic Reconstructive Surgery? (photo)
5 weeks ago I underwent reconstructive surgery for repairing my zygoma (cheek) and blow-out orbital floor fracture. My surgeon used a... READ MORE
Is It Safe to Have Blepharoplasty After Juvederm Injection?
Can you have an upper Blepharoplasty done if you have undereye/eye contour filler, such as Juvederm in place? The filler is in the tear trough area... READ MORE
How long after a lower bleph should one wait before having filler under the eyes and tear trough?
I had an upper and lower bleth. it has been 17 weeks. My lower eyes are very hollowed now and mt tear troth on one eye is more pronounced. I was told... READ MORE
Double eyelid and lasik eye surgery.
Im in my 20s, short sighted with astigmatism since i was young and Im thinking of doing lasik in the beginning of 2015 but I also want to do double... READ MORE
How Soon Can I Have Full Face Ulthera After Having a Lower Bleph?
You think 6 weeks is too soon? READ MORE
How long after ptosis surgery can you do eye exercises?
Dear doctors, I am going to have ptosis repair surgery in two weeks, i have a mild ptosis on left eye and a latent ptosis in the right one. I have... READ MORE
Sexual activity wait time after blepharoplasty? Both eyes lower.
How long would one have to wait before resuming regular sexual activity after surgery ? I was told in can be up to 3 weeks? Is this correct ? READ MORE
Surgery unsuccessful on one eye. Is revision on same suture line (to attach to levator muscle) safe and too soon? (Photo)
For upper bleph, my Ocuplastic Surgeon removed 3mm of skin then sutured. 2 days later, I was distraught as my left eye's suture was shallow and... READ MORE
Thermage After 'Double Eyelid Surgery'?
I had double eyelid surgery about a year ago so I have permanent sutures creating the folds. I'm considering Thermage to tighten the upper eyelids as... READ MORE
How long after eyelid surgery I can have eyeliner tattoo?
I had eyelid surgery 3 months ago is it safe to have eyeliner tattoo? READ MORE
When you have a blepharoplasty, do you typically have to have it revised or repeated several years down the line?
If so, how long is average time for revision and how many patients typically have to have this redone? Thanks! READ MORE
How soon can I have filler done after bleph surgery? (Photo)
I have upper and lower done 2 months ago and now have hollow eyes. It makes me looks strange and scary. I wear glasses all the time to cover my eyes.... READ MORE
How Long After Blepharoplasty Can I Have Smartxide Dot Laser Treatment?
Hi on friday im having upper and lower eye lid surgery. i would also like smartxide laser after. is 2 weeks after surgery enough time to leave. im... READ MORE
Blepharoplasty 2 weeks ago. I need revision - incision too low, raised big scars, bags. How soon can I get revision? (Photos)
How soon can I get a revision? - I feel so awful about these results. Will someone be willing to revise another surgeon's work? Is it best to look for... READ MORE
How soon after an upper and lower blepheroplasty can I start a series of 3 micro-needling sessions on the face?
Hi, I had an upper and lower blepheroplasty performed on 4/2/15. The results are great, but I am getting married in September and I was hoping to fit... READ MORE
After lower bleph, how long to wait for filler in tear trough?
I had a lower blepharoplasty done one month ago. I like the results, everything seems tighter and is healing nicely, but there's still the tear trough... READ MORE
Will my eyes ever look normal again? What can be done? (photos)
I had upper & lower (transconjunctival) blepharoplasty & a temporal brow lift 6 mos ago. My right eye is droopier and doesn't look normal to... READ MORE
Which surgery should I do first, eye lids or facelift?
I am planning to do either lower and upper eye lids surgeries or a facelift this year. I can only afford to do one procedure this year and one in a... READ MORE


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Fat Transfer Q&A
4 Months Post-op + Fat Transfer
Is There Any Risk if I Redo the Fat Transfer from Tummy to Cheeks?
I had fat transfer 4 months ago, the result was great on the first one month & half,my face looked round in a beautiful way, then the fat started... READ MORE
I'm 31 yrs old, 5'4, and 114 lbs. I had fat transfer 4 months ago. How do I make my breasts bigger without implants? (photos)
I did nAtural fat transfer to breast 4 months ago, I did lost at least 40% . I do like my breast, they are fuller but still small, I am 5,4 114 lb... READ MORE
Removing Fat Injections Under Eyes?
I got them under my eyes 4 mo ago. They were lumpy and mismatched and still are. 3 mo ago my Dr. both injected hyaluronidase and tried to needle... READ MORE
What is the Optimal Healing Time After Fat Injections to Remove?
I had fat injected into my upper cheeks with small injections in multiple layers from my stomach 4 months ago and I'm not fond of it. How long I... READ MORE
Fat Transfer Cheeksbones and Lips. What's Left After 3/4 Months is Pernament As in Forever?
Fat transfer is expensive because it should be pernament. So I expect that the fat that stays after 3/4 months is permanent especially because I am... READ MORE
Can you I reverse fat grafting in my cheeks?
I had facial fat grafting 4 months ago & I'm very unhappy with the results. My face is too full & one side is bigger than the other. It looks like a... READ MORE
Will a Second Fat Transfer After 4 Months Be a Disruption of the Originally Grafted Fat?
What could be swellings of fat grafts areas 4 months later the injection? (Photo)
I had fat graft in face and my ankles ..no complications right after the surgery except swelling.. i had prophylactic antibiotics and it was ok... 4... READ MORE
Fat transfer lips. What's left after 4 months is permanent as in for many years almost for ever?
It's been 4 months post op fat transfer to hips and still look straight. Help!
I had a fat transfer to my hips from my flanks and stomach. I still seem straight when wearing clothes and do not have that hourglass figure. My waist... READ MORE
How soon can I get full face fat transfer touch up?
I had fill face fat transfer 4 months ago. My naselabiol line didnt take the fat that well. How soon can I get a touch up? READ MORE
Had Fat Grafting go wrong so tried to deflate it will Hyaluronic Acid now it looks even worse. What should I do? (photos)
I have fat grafting under my eyes on July 20th. I'm 4months post op. After one month one of my eyes went down and looked regular however the other eye... READ MORE
Pain after fat transfer to calves. (photos)
5 september 2016 i had fat trasferred to my calves....last week i went for a touch up on 9 january 2017........its now been 10 days...one of my legs... READ MORE
Fat injections to lower eyelid to correct hollowness has resulted in bags under eyes. (photo)
The doctor suggested fat injections to correct the hollow trough under eyes but my after pictures look worse than the before. Before I had no bags... READ MORE
Will the uneven surface improve on my stomach where fat was removed? 4 months post small fat graft. (photo)
I had roughly 30 ml of fat removed from stomach to improve assymetry issues on breast. I have noticed some slight unevenness on stomach. Will this... READ MORE
I had fat grafting 4 months ago (February). Since a month ago my skin texture is worse.
I had a fat grafting in feb. Since a month ago my skintexture is worse. Small white dots (not pimples), and the texture seem odd. Bigger poores. I... READ MORE
4 months post op full face fatgrafting - How soon can i get a touch up?
I am in the thirties and got full face fat grafting 4 mo tha ago. The swelling for my nasalobial line has subsided and i realized that area didnt take... READ MORE
4 months full face fat transfer post-op. Face is stoll really bloated. Is that that norml?
I used to have a very define jawline before the fat transfer. I have been looking bloated, especially cheeks. Is that normal after 3 months? Will it... READ MORE
Mid-face procedure w/ fat-grafting (4 mo out). Face looks more youthful but a bit "fat." Dropped my body fat down but no change.
Would appreciate understanding whether this plump look may diminish over time. I realize that this volume may actually be an indicator of youth in... READ MORE
I have had a fat graft in the cheeks, the surgeon overfilled the area extremely, and too low in the face. Any suggestions?
I had micro lipo by another surgeon from corners of the mouth, he removed it from the superficial layer, Whilst he was removing the fat he said "this... READ MORE