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DETROIT - It appears an odd question to ask.
For those among us who do not know much about Chapter 9 municipal bankruptcies [and that would be most of America!] there are three stages. First is whether the community in question is eligible to even file. If found eligible, the community is then required to negotiate a "plan of adjustment" with its creditors. This plan divides whatever money it has available and pay those owed money. This usually means pennies on the dollar and large losses for unsecured creditors. [Unsecured means there is no dedicated income stream to cover their costs]
Thereafter, the third question is does the plan of adjustment allow the community to properly function financially after emerging from bankruptcy? Usually the plan includes a budget the community must follow.
Right now, even though the City of Detroit filed for Chapter 9 in July, it is still in phase one. Just as an aside: in many cases the eligibility process can take a year or more. This brings us to Detroit: bankruptcy Judge Steven Rhodes will hold an entire trial to decide just this eligibility issue later this month. Those who object to a community filing Chapter 9 can argue whether the filing was legal and justified.
According the Plunkett Cooney Law Firm's Chapter 9 Bankruptcy quick reference guide, there are a number of bases the filing municipality must touch to qualify. First it must show it is insolvent on a cash flow basis, desiring to adjust debts. Next, it must show one of four things:
1.) Has obtained the agreement of creditors holding at least a majority in amount of the claims of each class than the municipality intends to impair under a plan.
2.) Must have negotiated with creditors in good faith but has failed to reach an agreement
3.) Is unable to negotiate with creditors because to do so would be impracticable: or
4.) Reasonably believes that a creditor may try and obtain an avoidable preference.
For the purposes of this blog, we are going to concentrate on numbers 2 and 3 because they are the issues that came up during Gov. Rick Snyder's deposition in Lansing today.
Story: In rare step, Michigan governor agrees to speak under oath about Detroit bankruptcy decision
The American Federation of State, County and Municipal employees brought in attorneys from their Washington D.C. office to question [or depose] the governor in an historic meeting. They along with attorneys from the United Auto Workers spent the better part of three hours trying to get the governor to admit a couple of crucial things.
First, that he intended for there to be a bankruptcy filing all along, even before he hired the current Detroit Emergency Manager Kevyn Orr. That would mean the governor never intended to negotiate with the City's 40 separate unions to try and gain efficiencies and cost reductions that might have allowed the city to stay out of bankruptcy.
Second, that when Kevyn Orr took the job, the experienced bankruptcy and turnaround lawyer was hired for the specific purpose to take the city into bankruptcy and he was under orders not to negotiate with the unions.
Of course, Gov. Snyder made no such admissions in his testimony based on what AFSCME attorneys told us when they came out of the deposition this afternoon. But they did say the governor's actions in hiring Orr, his admitted [under oath in questioning] requirement that the emergency manager needed to be an experienced bankruptcy and turnaround expert, was evidence on its face that bankruptcy was the end game here. They said the governor felt there were negotiations with the unions prior to the bankruptcy filing and since those negotiations stopped he felt the need to pull the lever on allowing the City of Detroit's bankruptcy to move forward.
Most disconcerting to the union attorneys was the governor's admission there is no plan in place that would create a soft landing for retirees who stand to lose substantial amounts of their city-promised pensions. They pressed the governor hard on this issue, wondering if he had an opinion on this. They claim he had none. They wanted to know if there is not a plan in place now, would a plan be forthcoming? The governor's apparent answer was no. Now, there is likely more to this answer but portraying the governor as a heartless bureaucrat without feeling for those who will stand to suffer in this bankruptcy has been the union mantra from the beginning. This discussion is no surprise. The video tape of this deposition will likely come out tomorrow and we will let you know the governor's full answer to these questions to more fully flesh out this line of questioning and the governor's stated reasoning.
Ultimately the unions believe they came away from today's deposition with enough information to prove the city is ineligible for Chapter 9 because it is demonstrably provable the city not only did not engage in good faith bargaining but that it conducted no negotiations of any kind. As Michael Artz of AFSCME put it, "Inviting people to meetings and then saying the meetings are not negotiations, that they are just discussions, just talks but not negotiations and putting down a take-it-or-leave it proposal is not good faith negotiations." This will be their case against the city in the hopes it can salvage the pensions of its membership and keep Detroit out of bankruptcy.
This lack of negotiations has been troublesome from the start. You will recall back in June with Kevyn Orr met with the City's creditors out at Metro Airport and put out a 134-page document that laid out his idea of a turnaround plan. Yet, his office has since said it was also his idea of a "plan of adjustment." Orr said at the time this was how he saw the city's turnaround going and unless someone had a better idea this was what they would use.
The AFSCME attorney is correct that there were meetings with union representatives and there were discussions about possible changes to union contracts but none were ever made. Orr's office has maintained since June the unions never once came to the table with a counter offer or proposal. The unions have said since June they were not told who they would negotiate with, and their idea of negotiations usually starts with sharing information and looking at the books. They claim no information backing up the numbers ever came from the emergency manager's office. Also, they say, in a normal contract negotiation the unions, after agreeing on the numbers, discussions and give and take surrounding existing contract changes could be made that would bring costs down. None of this happened.
This could be a problem for the city when Judge Rhodes hears the case in that it is up to the city to prove it negotiated in good faith. But there is the thorny gray area of what legally does it mean to have negotiations in good faith? Are we speaking of changing contracts or reinventing an entire city?
This brings us to option number three. Kevyn Orr's argument at trial will be that he was unable to negotiate with creditors because to do so would be impracticable. Here is his reasoning: Orr said at his creditor meeting in June that the numbers in his turnaround plan are the numbers, there was no need to spend months debating whether the numbers are correct. What's more Orr said to them at the time the clock was ticking and if there were proposals or ideas they needed to come to the fore quickly. None ever showed up. Orr's office has said repeatedly the unions were thinking they could do what they usually do in a contract negotiation and take three to six months just to agree on the numbers and then start to deconstruct the existing contract.
Orr's office said that wasn't on the table, that the old way of negotiating a contract had nothing to do with negotiating the restructuring the city. Instead what the unions did, particularly AFSCME, was to sue the city and the state at every turn.
AFSCME Activist Robert Davis may be able to wallpaper half of city hall with his legal pleadings trying to derail the emergency manager and the bankruptcy. Orr's office believes those lawsuits were evidence the unions had no intention at all of negotiating anything, thus negotiations were impracticable.
So, if you stayed with me here, you just read what our stories will look like later this month when the eligibility case is heard. We do not know how Judge Rhodes will rule, but certainly what the governor had to say in today's deposition and what State Treasurer Andy Dillon will say in his deposition scheduled for tomorrow will play an important role in Rhodes ruling.
Local 4 will be there to keep you up to date.
Copyright 2013 by ClickOnDetroit.com. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Willmar School Board: Croonquist, Mathiasen and Streed elected to four-year terms
WILLMAR -- Dan Croonquist, Linda Mathiasen and Nathan Streed were elected to four-year terms on the Willmar School Board in Tuesday's election.
The three were chosen from a field of seven candidates. An eighth candidate listed on the ballot, Brian Bollig, withdrew from the race after the ballots were printed.
The vote totals were Croonquist, 4,139; Fenske, 3,026; Gould, 2,614; Mathiasen, 3,047; Mueske, 2,590; Streed, 4,948; and Thorpe, 1,896.
All of the candidates but Thorpe had supported the district's operating levy, which was voted down 4,627 no to 4,411 yes.
Croonquist, 45, of Kandiyohi, is a Lutheran pastor.
Mathiasen, 39, is a self-employed business communications specialist.
Streed, 38, is a mortician and partner in the Harvey Anderson and Johnson Funeral Homes.

subset: commoncrawl


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The effect of microaggregation by individual ranking on the estimation of moments
Microaggregation by individual ranking (IR) is an important technique for masking confidential econometric data. While being a successful method for controlling the disclosure risk of observations, IR also affects the results of statistical analyses. We conduct a theoretical analysis on the estimation of arbitrary moments from a data set that has been anonymized by means of the IR method. We show that classical moment estimators remain both consistent and asymptotically normal under weak assumptions. This theory provides the justification for applying standard statistical estimation techniques to the anonymized data without having to correct for a possible bias caused by anonymization.
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Volume (Year): 153 (2009)
Issue (Month): 2 (December)
Pages: 174-182
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| Web page: http://www.elsevier.com/locate/jeconom
References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Matthias Schmid, 2006. "Estimation of a linear model under microaggregation by individual ranking," AStA Advances in Statistical Analysis, Springer;German Statistical Society, vol. 90(3), pages 419-438, September.
- Matthias Schmid & Hans Schneeweiss & Helmut Küchenhoff, 2007. "Estimation of a linear regression under microaggregation with the response variable as a sorting variable," Statistica Neerlandica, Netherlands Society for Statistics and Operations Research, vol. 61(4), pages 407-431.
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Uniontown native works hard to make beautiful dream come true
Tiffany Fluhme is a walking advertisement for her company.
The tall, 31-year-old, drop-dead gorgeous blonde has near-perfect skin. Her makeup is pristine.
As CEO of her cutting-edge cosmetics company -- Fluhme -- she has made it her mission to empower women and create beauty from the inside out.
"I started Fluhme to enhance the appearance, self-esteem and lifestyle of women," says the Uniontown native, who recently took her South Hills-based business national. "It's a tremendous gift that we offer to others."
Interest in makeup and skin care is in her blood, says Fluhme, who would often apply blush, lipstick and eye shadow as a child, following in her cosmetologist mother's footsteps.
Fluhme's natural beauty led her to modeling and acting in her teens and early 20s. She went on to become a physician's assistant for several prominent Pittsburgh plastic surgeons and noticed that women who routinely take care of themselves exhibit greater self-confidence. She began providing makeup and makeovers to plastic surgery patients, and soon expanded her line by holding house parties in which she demonstrated her techniques.
Today, Fluhme's line is sold in more than 25 states. She hopes to launch a division to handle events, such as bridal makeup parties.
Fluhme started with 16 beauty artists in November 2009 and now has more than 200 in Pittsburgh who hold parties to sell the Fluhme line. She created a trendy, chic, sexy and cutting-edge cosmetics company with two lines of products produced by top Italian manufacturers, including a medical grade anti-aging skin care line and a completely customizable line of makeup products with stunning color palettes.
"I have tried probably every product Fluhme makes, and it's addictive," says Jody Lackey of Cecil. "You will see a total difference in your skin within two weeks. I started using it and now a lot of my friends are using her products, too. .... I have had complete strangers tell me how nice my skin looks."
Lackey was introduced to the line by Daneen Friel, who earned the No. 1 spot in personal sales last year.
"The products are wonderful, and once you meet Tiffany you know how dedicated she is to this company and to the products," Friel says. "I love selling the products because I believe in them."
In addition to buying through beauty artists, Fluhme's products are available through her website and in some salons.
"I love the line," says Lisa Campbell, owner of Posh salon in Upper St. Clair. "And I trust Tiffany. She is smart and everything she does is thought out. She tests all of her products. I think one reason I like her products so much is they are baked mineral and not messy. It is nice coverage but still very natural at the same time.
"She is also one of the nicest people. She truly is. She is so beautiful and really sweet and smart. You can tell she loves what she does."
Details: Here


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PARIS, May 13 (Reuters) - The leader of France's far-right National Front party pledged on Friday to raise wages and salaries for the poorest, unveiling an economic plan that could push President Nicolas Sarkozy to adopt more populist positions.
While National Front leader Marine Le Pen is seen as very unlikely to win next year's presidential race, she is ahead of Sarkozy in opinion polls, threatening to knock him out of the second round and hand victory to the opposition Socialists.
With Sarkozy keen to woo back her voters, analysts say her agenda is pushing the president's campaign towards populism.
Announcing her economic plans on Friday, she said Sarkozy's conservative government had not done enough to help French citizens to maintain their standards of living during the economic crisis.
She said she would lift a freeze on public sector wages, except for the highest earners, and increase pensions for low-earners. She would slash fuel tax by 20 percent, funded by a surcharge on oil companies' profits. "Enough talk ... We need to use a serious weapon: corporation tax," she told a news conference.
Le Pen, who took over the leadership of the National Front from her father in January, has sought to moderate the party's reputation and to attract mainstream French voters frustrated at immigration, stubbornly high unemployment and static wages. [ID:nLDE73Q251]
Opinion polls show that Le Pen is running second to a potential Socialist candidate, IMF chief Dominique Strauss Kahn, and she could prevent Sarkozy from reaching a second round runoff between the top two candidates.
Her father, Jean-Marie Le Pen, ran for president five times, placing second in a surprise upset in 2002 that forced the main candidate of the left, Lionel Jospin, out of the race. Conservative Jacques Chirac won that second round runoff easily. (Reporting by Gerard Bon; Editing by Peter Graff)


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Latest Posts
Weekly News Wrap-Up 11.08.13
By Greg Hunter's USAWatchdog.com
Obama Care is the top story, and the problems keep piling up for folks losing their insurance. One reader on the USAWatchdog site told me his family plan doubled to more than $1,600 a month with much higher deductibles and co-pays. I have not had a single person on the site write me and tell me they are paying less. (more…)
Headed for Total Complete Chaos in Health Care-Kerry Lutz
By Greg Hunter's USAWatchdog.com
Financial writer and radio host Kerry Lutz predicted six months ago the ObamaCare website would be a train wreck. Lutz says, "Hospitals wouldn't know, insurance companies wouldn't know if you had insurance or not. This thing was going to be total chaos, and that's what we're headed for–total complete chaos in health care." (more…)
Fate of Dollar is the Fate of U.S. Power-Dr. Paul Craig Roberts
By Greg Hunter's USAWatchdog.com
Former Assistant Treasury Secretary Dr. Paul Craig Roberts says, "The fate of the dollar is the fate of United States Power." Dr. Roberts goes on to say, "The whole question of the dollar's longevity depends on the willingness of other countries to continue holding dollars and dollar denominated assets while the Federal Reserve prints a trillion dollars a year to prop up the big banks and to finance the federal budget deficit." (more…)
Weekly News Wrap-Up 11.1.13
By Greg Hunter's USAWatchdog.com
My top story this week is Israel and the warning it issued late last week about Iran's nuclear program. A report says Iran may have enough nuclear material to produce a bomb in as little as a month. Iran has repeatedly said its program is for the peaceful production of energy, but many countries in the West, including Israel, don't buy it. (more…)
Annihilation of U.S. Dollar Coming-Jim Sinclair
By Greg Hunter's USAWatchdog.com (Revised)
Renowned gold expert Jim Sinclair says financial calamity is just around the corner for America. Sinclair contends, "We are facing the annihilation of currency. We are facing the shift of America as the leading and most influential nation of the world to some form of banana republic. . . . If it wasn't for food stamps, we would be facing long lines of people waiting for free food." (more…)
U.S. System Dependent on Crime and Fraud -Catherine Austin Fitts
By Greg Hunter's USAWatchdog.com (Early Sunday Release)
Former Assistant Housing Secretary Catherine Austin Fitts says all U.S. citizens are partly responsible for banker fraud. Fitts, also a top Wall Street Banker, says, "What popular opinion has said again and again and again is it wants the dirty money. . . . It wants the U.S. to play this geopolitical top dog game to the extent it provides subsidy to them. We can't have our cake and eat it too. . . . If we have a model that is dependent on crime and fraud . . . we have to change the model." Fitts calls what we have today "the Central Banking Warfare Model." (more…)
Weekly News Wrap-Up 10.25.13
By Greg Hunter's USAWatchdog.com
The big story this week is Saudi Arabia and what its officials there are calling a "major shift" in relations with the U.S. The Saudis are outraged over how the U.S. is handling the Syrian crisis. The Kingdom is also angry at America's increasingly cozy relations with Iran. One official said the U.S. was "blatantly perfidious." That's a nice way of saying the U.S. was untrustworthy and disloyal. (more…)
Obama Care Will Crash If Healthy Don't Enroll-Karl Denninger
By Greg Hunter's USAWatchdog.com
Analyst/trader Karl Denninger says Obama Care is doomed to failure because of pre-existing conditions of many signing up for coverage. Denninger explains, "If you are an insurance company and you only sell insurance to those who have already lit their house on fire, you're not going to be in business very long. You have to have people who buy insurance who are not likely to have fires." (more…)
U.S. Not a Super Power and Not Credible Anymore- Karen Hudes
By Greg Hunter's USAWatchdog.com
Former World Bank lawyer Karen Hudes says the global opinion of America is tarnished. Hudes contends, "Is the United States a credible super power? The answer to that is 'we are neither.' We're not a super power and we are not credible." Hudes goes on to warn, "The biggest game changer is something that people are just ignoring, and they ignore it at their peril, and that is the creation of a fourth credit rating agency. . . . (more…)
Weekly News Wrap-Up 10.17.13
By Greg Hunter's USAWatchdog.com (Revised)
The Democrats think they won the debt ceiling debate, but they did not–at least not in the long run. Nobody won when you consider the fact the U.S. needed to borrow or print more money just to pay its bills. We are running a trillion dollar a year shortfall. Yes, I know the government said the latest shortfall was only $700 billion, but that is a one off accounting trick. The sad fact is we are spending about $1 trillion more than we take in every year. (more…)
Early Stages of Hyperinflation Next Year-John Williams
By Greg Hunter's USAWatchdog.com
Economist John Williams says the U.S. budget and debt ceiling circus is not the real problem. Williams contends, "The issue here, very simply, is the long term solvency of the United States of America. . . This gap based deficit is going to kill us . . . We are going to be in very serious trouble in this next year, and the global markets know this is happening." (more…)
Yellen Heading Fed very Bullish for Gold-Peter Schiff
Greg Hunter's USAWatchdog.com
Money manager Peter Schiff thinks the nomination of Janet Yellen as Fed Chairman is "very bullish for gold." Yellen has admitted she did not see the 2008 financial meltdown coming which was caused by an enormous housing bubble. Schiff goes on to say, "Not only was she not warning about the housing bubble, she was trying to quiet some of the concerns other people had. She was saying, 'hey some people are worried,' but really we shouldn't worry." (more…)
Weekly News Wrap-Up 10.11.13
By Greg Hunter's USAWatchdog.com
Deal or no deal. The battle to reopen the government and raise the debt ceiling is progressing. At least the two sides are talking, but I still feel like we are being forced to watch a sadistic game show where everybody ends up losing. In the end, I think everybody will lose because it is not the so-called debt ceiling that is the real problem, it is the enormous debt. (more…)
Paul Craig Roberts-Obama Could Govern as a Dictator
By Greg Hunter's USAWatchdog.com
You can forget about any default in the debt ceiling crisis. Former Assistant Treasury Secretary Dr. Paul Craig Roberts says, "The debt ceiling will be raised. No government wants to lose its power or lose its ability to borrow. So, if they don't raise the debt ceiling, it is just a way of Washington committing hari-kari. It simply removes the United States as a super power." (more…)
Systems are Breaking in Treasury Bond Market-Dr. Jim Willie
By Greg Hunter's USAWatchdog.com (Early Sunday Release)
Financial analyst Dr. Jim Willie says forget about the government shutdown and the debt ceiling. It is the Treasury market that is the big problem. Dr. Willie says, "What's going on with the Treasury bond market right now is systems are breaking . . . they broke the interest rate swaps. They are not functioning anymore. . . . Foreigners are dumping Treasuries." (more…)


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79 Attending
34 Attending
10 Attending
Tue, 17 Dec 2013
Iranian born Reza Athar came to our attention with a series of exceptional playlists and mixes. Naturally, we thought it only right and proper to ask him to record something for us. And the result is quite special, a mix very much in keeping with the Clandestino ethos. Now residing in Nijmegen, Netherlands Reza promotes the Horizon party, inviting such calibre of guests as Trevor Jackson, Chloe and Jennifer Cardini.
This week's guest is Reza Athar from Nijmegen. A name most of you probably haven't heard of. But Reza is without a doubt one of the most serious talents in Holland to be reckoned with. His mixes for TheNewWorck already caught our attention once, but this mix is just insane. In this spacious and balearic mix he reaches out to cosmic heights, on a level that few DJ's from the Netherlands understand.
Tue, 27 Mar 2012
Sat, 22 Oct 2011
Fri, 29 Apr 2011
Sat, 11 Sep 2010
Mon, 21 Jun 2010
Tue, 07 Jun 2016
Post a comment
The two-day Dutch festival returns to the Amersfoort open-air amphitheatre in September.
Tue, 10 May 2016
2 comments
The Amsterdam club's sixth two-night session goes down from June 10th through 12th.
Tue, 06 Oct 2015
3 comments
The free event will run from Friday night to Sunday morning.
Thu, 20 Feb 2014
Ewan Pearson will headline the Amsterdam party's next event.


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Ruling could limit options for property owners
A ruling by the Minnesota Supreme Court has pretty much eliminated the ability for cities to grant variances. That means residents who want to deviate from the city's building ordinances will likely be turned down.
"This will limit our ability to be flexible," said city administrator Dwight Johnson of the ruling.
While the June ruling won't affect a large number of Rosemount property owners, it will likely irritate some.
City planner Eric Zweber said the city has considered 20 variance proposals since 2003. It has approved about two-thirds of the requests.
"It's not a big request for us, but it was a tool in the development box," said Zweber.
The issue went before the court after a lawsuit filed by the neighbor of a Minnetonka property owner who had been granted a variance to expand a garage.
The Minnesota Supreme Court ruled that variances are not permissible based on the interpretation of a state statute. The Supreme Court reversed the decision of two lower courts.
Before the ruling, Rosemount officials interpreted the statute to mean that as long as owners could prove an "undue hardship" a land use variance was permissible. Zweber said the interpretation of the Supreme Court does not agree with that.
While the ruling limits what the city can approve, Zweber said city staff will work with residents to make sure they can do as much as possible with their property.
"People doing expansions will have to be more conscious but we will work with them," said Zweber.
The state legislature could step in and reword the text of the statute to make it less strict for cities. Johnson said they hope the state legislature will address the issue during the next session.


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Available in Europe: Air Jordan 10 Retro GS "Bobcats"
Just in at Nike.com in Europe is the "Charlotte Bobcats" colorway of the Air Jordan 10 Retro. However, the sneaker is not available in men's sizes but you can score a pair in the GS size range that is made for boys and can also fit women.
Air Jordan 10 GS
Wolf Grey/Dark Powder Blue-Cool Grey-Atomic Orange
Style# 310806-026
£95 / 120 €


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This is kinda gross but bear with me. I have a large collection of costume jewelry. Nothing elaborate or expensive, but just cute stuff I like to wear.
After several wears, I notice that my earrings will turn green and develop a green film on it over time. I never sleep in my earrings and I always take them out at the end of the day. I shower daily and yes, I wash my ears. I am not dirty so why does this keep happening and what can I do to prevent it?
Most Helpful Guy
There is copper in them. That's how copper reacts to skin & sweat. It turns green.
Unfortunately there's nothing you can do.11|00|0


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Renowned for bold yet classic pieces, Maria Francesca Pepe cleverly blends the past with the future. The award-winning designer has... Read More
Maria Francesca Pepe
Hoops I Did It Again Ring
Pierced Set Of 3 Rings
Capsule 23k Ring
(h)oops! Three-ways Double Ring
'beverly Hills Dolls' Chevalier Ring
Ear Cuff With Encased Pearl Gold
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About the Book:
2 girls + 3 guys + 1 house – parents = 10 things April and her friends did that they (definitely, maybe, probably) shouldn't have.
If given the opportunity, what sixteen-year-old wouldn't jump at the chance to move in with a friend and live parent-free? Although maybe "opportunity" isn't the right word, since April had to tell her dad a tiny little untruth to make it happen. But she and her housemate Vi are totally responsible and able to take care of themselves. How they ended up "Skipping School" (#3), "Throwing a Crazy Party" (#8), "Buying a Hot Tub" (#4), and, um, "Harboring a Fugitive" (#7) at all is kind of a mystery to them.
In this hilarious and bittersweet tale, Sarah Mlynowski mines the heart and mind of a girl on her own for the first time. To get through the year, April will have to juggle a love triangle, learn to do her own laundry, and accept that her carefully constructed world just might be falling apart . . . one thing-she-shouldn't-have-done at a time.
About the Author:
April's This or That List
April is Sarah Mlynowski's super fun character in Ten Things We Did (And Probably Shouldn't Have.)
Physical or Electronic Books? Physical. You can't take an eBook into Hula (our hot tub). Wait. Can you?
Werewolves or Vampires? Vampires. I am a compulsive Vampire Nights fanatic. All the way, everyday.
Beach or Lake? The Long Island Sound, since that's what's outside our house. Although my history with the Sound hasn't been perfect. First, drunken mermaid impressions, then swimming in Vi's dress on my birthday.
Ketchup or Mustard? Ketchup and mustard and mayo. The more sauce the merrier.
Hero or Heroine? How about a Hudson? Swooooon.
Cats or Dogs? Cats! Of course. I'd do anything for my little snookums. Love you, Donut!
Fruits or Vegetables? Ice cream with chocolate sauce. Oh. Was that not an option?
Lemonade or Ice Tea? Anything other than wine coolers.
Wendy's or Burger King? Chipotle.
Pizza or Spaghetti? Pizza for a night in, spaghetti for a night out.
Romance or Urban Fantasy? Romance.
TV Shows or Movies? Vampire Nights forever!
One lucky winner will receive Ten Things We Did (And Probably Shouldn't Have)!
US Only!
Winner has 48 hours to respond
Mandatory Entry:
Leave a comment answering the following question:
Name one thing you did (but probably shouldn't have.)
Winner #24 - Melissa C.
Winner #24 - Melissa C.


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By Emily Bialkowski
Caledonia Argus
It's tough times for the Caledonia School Distric. Despite an additional $83,000 in state aid, brought about by the recently adjourned legislative session, the district is teetering on a budget tight rope and cannot afford to add an additional administrator as hoped.
With the resignation of building and grounds manager Blaine Moe and athletic director Dave Meyer, the school board had hoped to create an elementary principal/building and grounds manager/athletic director position. That plan collapsed after the finance team plugged in the most current numbers available for 2013-14.
"We reduced $350,000 and at the end of the day we thought we were being very conservative, but what we found out is that if we didn't have the money of Blaine [Moe] leaving and the athletic director piece we wouldn't have met our mark," Superintendent Ben Barton told the school board during a special meeting June 7.
"That was the most disheartening thing of all this," Barton admitted.
Since funds aren't available to add an administrator, Barton recommended the following:
• Replace the outgoing building and grounds manager with one full time janitor while using the former manager as a month-to-month consultant.
• Divide the duties of the athletic director between the middle school/high school principal and a part time activities coordinator.
The athletic director duties under this structure break out as follows:
Principal takes on these extra duties:
– Hiring and supervising coaches
– Evaluating coaches
– Budget
– Policies and procedures
– Supervision of events
Activities coordinator takes on these duties:
– Scheduling games
– Scheduling officials
– Scheduling workers for events
– Coordination of event set up
These measures produce cost savings and keep the budget in the black.
School board members had a lot to say about the recommendations.
Kelley McGraw asked why the building and grounds position couldn't be reposted and filled as it was before. "I think that gives us more stability," McGraw said.
"I recommend we replace the [building and grounds] position but look at the duties and what we're looking for when we advertise," Jean Meyer said.
"I think we give it a shot with a consultant since it's only month-to-month," Jarred Barnes said.
The athletic director position also received attention.
"I think this is a good concept; I just worry is this too much on one person's plate," Meyer said.
"We can't be spreading you guys so freaking thin," McGraw said.
Meyer also questioned if the district could find an activities coordinator on their budget. "You think someone is going to come aboard for $6,500?" she asked.
Barton said the Wabasha-Kellog school district uses this type of structure and finds that it works.
Despite significant discussion and concern over burnout, the board decided they were not ready to act on the recommendations. They agreed to let the issue percolate at the committee level and will reconvene discussion at their June 17 regular meeting.
A small beacon of help awaits the district during the 2014-15 school year when the state begins funding all-day, five-year-old kindergarten. The change represents an additional $277,000 for the district.


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by Snake Jagger
About the Book
An overview of the artwork of Snake Jagger over the last 25 years. From his iconic desert landscapes to the Mediterranean, the tropics, and Catalina island. Included is a lengthy interview with the artist.
Features & Details
- Category Fine Art
Small Square, 7×7 in, 18×18 cm
120 Pages
- Publish Date Nov 04, 2010
- Language English
- Tags people, space, mediterranean, catalina, Jagger, snake, canvas, acrylic, paintings, art, whimsical, surrealism, Landscapes, Desert, mixed media
About the Creator
I have been drawing and painting since I was six years of age. Without any formal training, I guess you can say I am a self taught artist. And though I dabbled in art throughout my life, I did not get serious about it until I was about 25 or so. I have since developed my own unique style of portraying the desert southwest that I have come to love. My early influence's include such masters as Leonardo Da Vinci, Thomas Hart Benton, and modern influences such as Peter Max, Noble Richardson, MC Echer, and my personal favorite, Rene Magritte. These days I spend a lot of time doing what I love to do, creating my manicured landscapes, incorporating a touch of whimsy and surrealism. Along with the desert, I enjoy painting space scapes and scenes with a Mediterranean flavor, like regions such as the Greek islands or Vineyards of Tuscany. My work can be viewed by going to my web site at snakejagger.com. I hope you enjoy my visions of the desert landscape that I call home.
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Bam Margera Hospitalized After 100 Ft Fall
Bam Margera, from MTV's Jackass, has been hospitalized after falling 100 feet off of a cliff in Oregon.
According to TMZ, Margera was attempting to win a Darwin Award by kayaking off of the 100 ft cliff, but ended up landing in the hospital instead.
While it's not clear if his partner, professional kayaker Steve Fisher, sustained any injuries, Margera had to go through an emergency hernia. He tweeted a picture of him kayaking off of the cliff on Thursday (May 31). He also tweeted a picture of himself in the hospital but later deleted it.
Get well soon.


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Civil War artifacts on display at ITOW Veterans Museum
"Celebrating Minnesota in the 1800s" is the theme of the exhibits on display at the ITOW Veterans Museum in Perham through the end of December.
Including in the exhibits are photographs and artifacts from the Prospect House and Civil War Museum of Battle Lake which houses an extensive collection of civil war artifacts from James A. Colehour who settled in Battle Lake shortly after the war.
Also on display are a selection of documents and photographs from the Becker County History Society and a number of articles that belonged to members of the Grand Army of the Republic. The G.A.R. was a veterans organization that was formed after the Civil War to give support and aid to veterans.
The ITOW Veterans Museum's winter schedule is Monday - Friday, 11 a.m. to 3 p.m. Sunday closed. Saturday hours are still uncertain. Call (218) 346-7678 or (218) 346-7676.


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>Racing>Marine Corps Marathon questions...
Any MCM vets?
My first marathon... Can't wait.
I've got some friends and family showing up to cheer me on - just trying to figure the best way for them to bounce around on race day.
Is MetroBus or MetroRail the way to go?
Do Metro cards need to be pre-purchased?
With all the stops throughout the metro-area, is it likely that they will be able to hit a few different locations to see runners?
Thanks for any help!
I prefer the subway. Think of it this way... some streets will be clogged up and/or closed for the race. The subway? Won't get stopped for the race. Some of the stations may be crowded.
Metro cards do not need to be pre-purchased. There are ticket booths at the stations. But at a crowded station (like after the race, in Rosslyn), it surely is nice to already have a prepaid card. DC locals can most certainly give you better skinny than me.
Absolutely possible to hit a few different locations. Georgetown, stuff around the Capitol, and Crystal City. The start/finish (though this will be crowded). Very accessible.
Options,Account, Forums
I've heard about terrible lines afterward at Pentagon, and at Arlington, and at Rosslyn (different years, I think). The year I did it, we shuttled over to Crystal City (MCM had a shuttle for that), and Crystal City metro was fine.
So maybe keep an open mind about which station to use afterward, depending where the crowds go. Or probably better to plan ymmv's idea (Court House). And yeah, have a metrocard prepaid for afterward, cause there will be out-of-towners who don't know how to use the machines to buy/recharge cards, and they will very likely be clogged up -- but you can do that when you first board in the morning -- just buy enough to include the afterward trip too.
DW reported that, as a spectator, there was nowhere to buy food whilst spectating -- she spectated via metro, popping around the course. We had worked out estimated time points at different places.
It's a 5k. It hurt like hell...then I tried to pick it up. The end.
Just one suggestion. Whatever you do, do not try to take the Rosslyn metro after the race. At MCM in 2010, the lines were phenomenal and not moving at all. We accidentally found a shuttle bus to Georgetown a couple blocks from Rosslyn and took it to the metro stop near campus.
Not exactly on point to your original questions, but whatever you do, avoid Rosslyn.
Good stuff. Thanks all!
I've never run MCM but as a local, I think Metrorail is the way to go. Metrobus is for the professionals.
+1 on buying a Metro card with the amount they'll need beforehand and not having to wait for people to figure out the farecard machines on race day.
Again, I've never done the race, but if Rosslyn is a nightmare, you may want to walk to Arlington Cemetary if it's open and you're staying on the Blue Line.
FWIW, last year, I had two friends running and wanted to cheer on both of them. I used the 14th Street bridge to see them shortly after the start as they entered Hains Point and jogged back to the Pentagon to see them at Mile 20 (as I was crossing back into Virginia, I also got to see the front runners, which was kinda cool).
Good luck at the race! (Even though I don't know anyone running, I'm planning to cheer people on at the Pentagon again this year).
"What counts is not necessarily the size of the dog in the fight – it's the fight in the dog. – Dwight D. Eisenhower
My blog is JT Running DC. It's awesome.
PRs: 5k May10: 22:53 10 miler Oct 09: 1:23:32 20K Aug 10: 1:44.44 1/2 Marathon Sept 09: 1:56:33 Marathon Nov 09: 4:30:41
Upcoming races:
Leesburg 20k 8/14/11
Virginia Beach Rock & Roll Half 9/4/11
Steamtown Marathon 10/9/11
Marine Corps Marathon 10/30/11


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You and me don't charge enough for our games
On March 22 here's the top sellers list of indie games on Steam: https://twitter.com/Over00/status/447447417265201154
Beside Papers, Please with a 50% discount and Garry's Mod which has been on the top sellers list since the Big Bang it seems all games are priced $15 or more. What's the point? Well there are a tons of indie games with discounts on Steam and yet the top sellers are mostly game with no discount at all sold for $15 or more … That's the point.
When you get your game on Steam I really don't understand why you'd want to sell it for peanuts. People already expect that your game will have some discount one day (Christmas sales, summer sales, whatever day sales, etc.) so there's really no point to set your basic price to the same amount people would be ready to buy it with a discount.
Discovery by price
Discovery by price seems to be a popular belief and a tempting one. There's always someone telling you that you charge too much for your game and when a game doesn't sell we're always tempted to blame it on the price. Maybe there's a limit at which price can influence things ($40, $50, $100?) but I think most of us just got the wrong value in mind and we're just hurting ourselves. There are tons of cheap games on Steam that nobody heard about. If discovery by price was valid then all those cheap games would be very well-known.
To make the same revenue as selling 1,000 units at $15 but at a price of $10 you have to sell 500 more units. That's half of what is required for a $15 title. The question you must ask here is how many of these 500 units you'd have sold anyway at a $15 price. Of course it's hard to figure the answer but my point is that the price we put on our games is often related to fear and not business decisions.
Pricing by comparison
The first thing strangers on the Web will do is to compare your game to some other top seller. "FTL only cost $9.99 so you can't possibly charge more than that for your game!". You're lucky if they don't compare it to Trine or Trine 2 which seem to constantly have some ridiculous discounts and are beautiful games most of us can't dream to match.
While other games can give an idea of what kind of price range can be appropriate we must be careful not to make direct comparisons. Chances are that you didn't release the next FTL and that you'll sell a lot less copies. It doesn't mean however that you can't make a nice revenue but if you price it too low you won't.
We must price our games based on our reality. It must be a business decision and not an emotional one involving what others did. FTL might make a ton of money but it doesn't do so because it's $9.99. It performs well because it's an acclaimed game. I'm sure it would have done very well even at $14.99 but that's the tricky part. We will never know what difference it could have done. You can tell me it would have sold less copies and I can tell you that the devs would still have made more money.
Price can go down but can never go up. With that said what are your expectations? Do you need to sell 100,000 copies to make a profit or only 3,000? If you really believe that you won't sell 3,000 copies because of a high price then the problem might not be the price at all. Not all indies are after the smashing success of some very well-known titles. I mean we all secretly hope for it but it's not a requirement to still be successful.
Since few of us will release a smashing hit putting a price too low just hinder our capacity to keep working on games. We must do our best to get out of our head the idea that the number of copies sold is more important than the money we actually make. If you got something interesting it's not a $15-20 price that will scare people. Sure, some will complain but that comes with the job. You could still sell something for $5 that some would still find a way to tell you it's too pricey.
So we must cut the noise and look at our business. It's way easier to sell your game for $5 more than having to sell 500 more copies …
Pricing is tricky, because despite economic theories people are not rational.
In general, you want to see what games your game will be compared with. Does your game have an advantage over the others? If not, you probably want to compete on price. Note that sometimes just being newer is an advantage.
The other thing to keep in mind is that it's easier to lower your price than raise it. Having an initially high price is a little better, because it's easier to lower it. Several indie games have had an introductory discount, where you can get the game cheaper by pre-ordering it, or for buying it in the first week/month, etc. But, you'll be hard-pressed to find a game that has started out with a low base price and then was able to increase it later; Minecraft being a kind of exception, although it was eventually positioned more like an early discount.
So, I'd say charge the highest you think you can get away with, but then do a 25% or so discount at the start. This motivates people to buy the game sooner rather than later, too.
When I buy old games on GOG, I expect them to be almost free. When a publisher has previously given away his/her game for free, don't expect players to buy it at a hefty price. For example, I've got roller coaster tycoon from cereal boxes and other games as well. I'm not going to pay 15$ for it. But if I lost the cd, I could buy the game for 5$ on gog.com I know I can download it from some illegal sites but not talking about illegal downloads here.
On the other hand, if I really really really want to play Battlefield 3 I will buy it 60$ in pre-release to get that extra bonus. When it launches the retail price will still be 60$ but without the bonus stuff.
if I don't relly want to play Battlefield 4, which is the case, I will wait for the price to drop super low before considering spending cash on it. In fact, like 3-4 weeks ago it was on discount but I let it go. I'm still satisfied with BF3. That means even on discount I still thought it wasn't worth it.
in my comment I talked about old games and some AAA title. To me, it doesn't matter if it's indie or not. I'm not going to buy a game because it's indie, that's not what I'm looking for. I'm looking for a game that I will play and like to play again and again. Indie is just a tag, in my opinion. If I like the gameplay, the visuals, sounds, whatever, then I will be happy to buy and play. And maybe recommend!
By the way, I would still like to play Golemizer even after 2 years offline. I don't have much spare time these days, but I would consider it well spent if it was on that particular game, which happen to be from indie dev I know it was a heavy-maintenance game but I would be very happy to enjoy it again. Or maybe a newer version, that would be acceptable too.
I don't look at prices..
Unless the game is 75% off weekend special on steam like Dino horde where I bought a pack of 4 for next to nothing.. What a great game.. Before that I had bought 2 of 7 days to die and was disappointed as the price difference between the two games.. $50(i think) for 2 – 7 days to die compared to $10(I think) for 4 Dino Horde keys.. If you create hype on a game people will pay a lot if it anchors into their hearts, maybe watching game play, hearing it from a convincing friend.. you'd buy it ? I did lol. And then I was just browsing steam games.. never heard of DIno Horde and thought wow this is cheap so I bought it and it's really fun. So Id go with, if you know your game is great, then sell it for $20-$30-$40.. If your game isn't that great but it's how you make money and so forth.. you should still sell it for these prices. People will buy it if it's going to satisfy them which is why you created your game in the first place.. to satisfy people and thus they will pay.
I'm not a psychologist, but there's an interaction between price and perceived quality.
You'd be willing to pay up to a large value ($50+) for something about which you've heard great things or know in advance meets your interests.
You'd be willing to pay moderate value for something that looks/sounds like it may meet your interests ($15-50?).
It's when something is in the <$10 range that things get weird. If it's that item you know about and really want, you're thrilled at the discount. However, if it's some extreme unknown and all you have are screenshots, a video, and some blurbs, unless it really hooks YOU personally, there's often the assumption that cheap price means cheap product.
Thus pricing in the mid-range may drive greater quantity of sales, along with greater per-unit price.
Note that discounts do interact with those unknown items. If an unknown item is 75% or 90% off, it can trigger the "folks must not be purchasing at full price, must not be worth full price, may not be worth discount price" thoughts. While 25%-50% does not seem to trigger this negative response nearly as often.
Bottom line – mid-range prices paired with mid-range discounts could be the best bet for an indie.
P.S. Ever since you announced it, I've hated "Human Extinction Simulator". It sounds like a Sim game, not a Strategy game. I suspect the wrong demographic would look at the game, be disappointed by videos/screenshots/description, and move on, while the desired market would skip past based on the title. The original title of "The Stars Remember" was melancholy and space-operatic. It also cues the at least the space environment, if not the strategy styling.


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Here's What's Happening in Email Marketing
Have you seen these recently-released resources? If you haven't, dig into articles about email marketing relevance, social media trends and design strategies. Here's what's happening in email marketing.
Email Marketing: The benefits email campaigns can have for your business
There's no doubt email marketing works. The statistics prove it. But it works even better when marketers view it as a tool to discover more about their customers. Instead of just focusing on email metrics, you should be focusing on where emails take your customers and how you can personalize your messages.
Why marketers should keep sending you emails
Having trouble convincing a higher-up email is important for your business? Here are a few tactics to make your case from the experts at Marketing Sherpa.
Marketer Quarterly: The Relevancy Ring Report
The Marketer Quarterly just released an excerpt of the "The Relevancy Ring" report which evaluates ESPs based on a number of attributes including penetration and performance in the inbox. Find out how WhatCounts scored!
Social Media Trends of 2014 – What Do They Mean for YOU?
Although email is king, social media has a place in your marketing strategy, too. This article lists some trends on the way in 2014. Find out how they may affect you and what you should do about them.
Life Above and Beyond the Fold
It's a mantra journalists, designers and marketers have held to for a long time: Most important content goes above the fold (upper third). This still holds true, but there are ways you can draw readers' eyes farther down the page or screen. Here are some tips for doing just that.
Thoughts? Comments? Questions? Let's hear them in the comments section below.
Joy Ugi
Digital Marketing Coordinator, WhatCounts
Twitter: @ugigirl


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Kate Baltzell, first year fellow, attended the Association of Zoological Horticulture's annual conference in Jacksonville, FL entitled 'Flora Meets Fauna'.
The five day conference at the end of September was sponsored by the Jacksonville Zoo and Gardens. The schedule was packed full of informative presentations covering a range of topics including: the design of the new gardens at Jacksonville Zoo, bee keeping efforts at the Pittsburgh Zoo, invasive plant issues, and plant conservation partnerships. The opportunity to meet and network with other professionals within the field was a great learning experience. Kate looks forward to maintaining these relationships through thesis work and future ventures. During the conference, the group of zoo professionals had the chance to tour Kanapaha Botanical Garden and Jacksonville Zoo. Kate was excited to see the Longwood Hybrid Victoria Lily at both locations! Thanks for the great introduction into AZH and a fulfilling first time conference…See you next year!


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New species of fish and coral found in Bali
Having been in Bali a couple of months and dove a lot of the sites in the area, I have to remind myself not to take for granted the array of life on offer in the seas around the island. When the last survey was completed, nearly 1000 different species of fish and 400 different types of coral were identified in the seas surrounding Bali. The survey was carried out by Conservation International, an organisation that strive to ensure a healthy and productive planet by working with various communities, countries and societies to protect the worlds different biodiversities. They have been working on a 20 year RAP (Rapid Assessment Plan) at the request of the Bali provincial government and the Department of Fisheries and Marine Affairs to assess reef health and provide management recommendations for 25 areas proposed to be developed into a network of Marine Protected Areas in Bali. Last month they embarked on a 2 week survey based mainly right here in Tulamben, as well as other as well as Nusa Dua, Gili Manuk and Pemuteran. Data was collected from these sites at depths between 10-70 metres at 33 different sites in total around these different areas.
"There was a tremendous variety of habitats, surprisingly high levels of diversity and the coral reefs appeared to be in an active stage of recovery from bleaching, destructive fishing and crown-of-thorns starfish outbreaks in the 1990's" - Dr. Mark Erdmann, senior advisor for the CI Indonesia marine program
- On top of this good news, they went on to reveal that they had found 8 new species of fish and a new species of coral whilst carrying out the survey. Among the potentially new species documented were two types of Cardinalfish, two varieties of Dottybacks, a Garden Eel, a Sand Perch, a fang blenny, a new species of Goby and a previously unknown Euphyllia bubble coral. Not only have they released the information stating that they have found all these new types of fish right on our doorstep, they even had the decency to release high quality photographs courtesy of Mark Erdmann for all to see! [gallery link="file" columns="4"] This is great news for the future of diving in Bali, and shows that both the marine life and the coral in the areas surrounding the island are on the road to recovery after previous bleaching back in 2005. Alongside the efforts of companies such as Conservation International, there are companies who are are out to change the way people dive and increase our knowledge on reef conservation. Project Aware is a registered nonprofit organization, who in partnership with scuba divers and water enthusiasts combine efforts to conserve aquatic resources in more than 180 countries and territories of the world. They address issues such as:
- Underwater Cleanups and Marine Debris Prevention
- Coral Reef Conservation, Monitoring and Data Collection
- Shark Education, Reporting and Conservation
- Improved Management Policies and Marine Protection Efforts
- Environmental Training for Divers and Education Programs for Kids
Another affiliated company alongside Project Aware is Coral Watch. They focus primarily on monitoring the health of different coral reefs around the world, via the use of a tool called a 'Coral Health Chart'. This Chart is basically a series of sample colours, with variation in brightness representing different stages of bleaching/recovery, based on controlled experiments. It is an inexpensive, simple, non-invasive method for the monitoring of coral bleaching and assessment of coral health. In the field, users simply compare colours of corals with colours on the chart and record matching codes. Even if you do not actively assist with these projects, you can still take measures to aid the survival of healthy coral reefs while you are diving. Probably the most important aspect is an elective skill learnt in the Advanced Open Water course. Peak Performance Buoyancy greatly increases your ability to navigate your way around the underwater world, in doing so making you able to avoid causing unnecessary damage to your surroundings, whether it be coral reefs, wrecks or wildlife. Even a slight knock from a fin or a stray hand can damage decades of coral reef growth, so being aware of your surroundings is a vital part of your role in protecting the underwater environment whilst diving.
Original Post by Andrew, DMT at Dive Concepts: http://www.diveconcepts.com/news/new-species-found-in-bali/


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Do people often tell you that you're artistic? Is it because you often sit by yourself in the corner and rock slowly back and forth? Yeah, they're actually using a different word. But for those of you who still consider yourselves creative we have a once in a lifetime opportunity for you to earn cash and immortality: design a banner for T-Shirt Hell. We are looking for your most creative, crudest and rudest banners that really capture the spirit of our shirts and our site.
10 prizes for First Place winners (
$100 each
20 prizes for Runners Up (
$50 each
That's $2000 in cold hard cash up for grabs.
For the new banners we are only looking for Leaderboards
(728 x 90)
and Medium Rectangles
(300 x 250)
. Please do not submit any other sizes.
You can make an animated banner, but static banners are preferred.
Banners should be in .jpg or .gif format. File size should not exceed 50k.
Feel free to use any graphics from our site including shirt graphics/whore pics.
Too lazy to think of your own slogans? Use one of
if you'd like.
Submit your entry via email to
[email protected]
. Enter as many times as you want. Contest ends January 25th. We will email you if you've won.
For inspiration, check out our current banners
. These banners are outdated and too small. We need to update to web 2.0 and this is your chance to win some cash.


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Understanding Medicare
January 18, 2011 | Medicare
By Insure.com
Last updated Jul 6, 2010
Medicare is a health insurance program for people age 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (ESRD). According to the federal Centers for Medicare & Medicaid Services (CMS), Medicare serves about 40 million beneficiaries.
The large majority of Medicare beneficiaries have original Medicare. This is the traditional fee-for-service arrangement, which means you can go to any health care provider who accepts Medicare. You must pay a deductible, and then Medicare pays its share of the costs and you pay your share.
Medicare & You
You can call the Medicare Choices Helpline at (800) 633-4227 and ask for a Medicare handbook.
This toll-free number is staffed by English- and Spanish-speaking customer service representatives from 8 a.m. to 4:30 p.m.
Hearing-impaired individuals using a telephone device for the deaf can call (877) 486-2048.
You can also view the handbook on Medicare's official Web Site.
How does Medicare work?
Original Medicare, also called traditional Medicare and Medicare fee-for-service (FFS), is the most widely used and best understood choice through which Medicare beneficiaries receive their health care. Health care providers are paid based on the services they provide.
In general, your choices are less restricted with traditional Medicare than with other Medicare choices. For example, you can go to any doctor, hospital, or other health care provider who accepts Medicare. But your costs are likely to be higher than with other choices because you may also need to buy Medicare supplement (Medigap) insurance. Medigap policies can help defray some of the costs not covered by traditional Medicare.
Who pays for Medicare?
Medicare is financed by federal taxes and administered by the CMMS. Beneficiaries also have "out-of-pocket" costs: They must pay Medicare premiums, deductibles and co-payments, and Medigap premiums if they choose to purchase this supplemental insurance. Beneficiaries must also pay for their own routine physicals, custodial care, most dental care, dentures, routine foot care and hearing aids.
Who is eligible for Medicare?
To be eligible, you or your spouse must have worked for at least 10 years in Medicare-covered employment, be age 65 or older, and be a citizen or permanent resident of the United States. A younger person with a disability or with chronic kidney disease also might qualify for Medicare.
Are there income limits or medical requirements?
There are no income limits for Medicare. There are medical requirements for the delivery of services, because an individual must have a medical need for those services.
How do I enroll in Medicare?
Some people are enrolled in Medicare automatically. Enrollment is automatic if you are not yet age 65 and you already are receiving Social Security or Railroad Retirement benefits. If you are disabled, you will be automatically enrolled in both Part A and Part B of Medicare beginning with your 25th month of disability.
Most people have to enroll in Medicare. The enrollment period begins three months before you turn age 65 (or right away if you require regular dialysis or a kidney transplant) and continues for seven months. Applying early can help you avoid a possible delay in the start of your Part B coverage. If you have questions about Medicare eligibility or enrollment, call Social Security's toll-free number, (800) 772-1213, weekdays from 7:00 a.m. to 7:00 p.m., EST. You may also enroll online by visiting www.socialsecurity.gov.
To apply for Medicare, contact any Social Security Administration office. (If you or your spouse worked for the railroad, contact the Railroad Retirement Board.) If you don't enroll during these 10 months, you'll have to wait until the three months beginning on Jan. 1, and your Part B coverage won't start until July.
What happens if I wait to enroll?
Don't put off signing up for Medicare. If you wait 12 or more months to enroll, your premiums are likely to be higher. However, you have some options if you have group health insurance based on your own or your spouse's (or a family member's) current employment.
Even if you continue to work after your 65th birthday, you should sign up for Part A of Medicare. Part A might help pay some of the health care costs not covered by your employer plan.
Part B is a different story, however. It might not be a good idea to sign up for Medicare Part B if you have health insurance through your employer. You would be required to pay the monthly Part B premium, and your Part B benefits could be of limited value when the employer plan is the primary payer of your medical bills. However, under some circumstances you will have to pay an extra 10 percent per year penalty for not immediately signing up for Part B.
What is a Medicare HMO?
Medicare health maintenance organizations (HMOs), where available, provide all Medicare-covered services under Parts A and B and may provide additional benefits — such as prescription drug coverage — that are not offered with traditional Medicare. However, Medicare HMOs are not widely available in some regions of the country.
What is a Medicare private fee-for-service (PFFS) plan?
PFFS plans are Medicare plans offered by private health insurers and are hybrids of Medicare HMOs and traditional Medicare fee-for-service plans. There is no provider network, which could be particularly important to beneficiaries who live in rural areas that historically have lacked private Medicare insurance options.
Can I join more than one plan?
No, you can't join more than one Medicare health plan at the same time.
What if I want to leave a Medicare HMO or PFFS plan?
You must take care when you change how you receive Medicare services. This is particularly true when you leave a managed care plan, whether voluntarily or involuntarily. Because Medigap insurance is not needed when you're in a managed care plan, beneficiaries returning to traditional Medicare have certain rights to buy Medigap insurance.
Where can I get help when changing plans?
You should contact your State Health Insurance Assistance Program (SHIP) for help.
If you have questions about Medicare, or if you are interested in changing the way you receive Medicare-funded health care services, contact your local SHIP office. Special rules and consumer protections sometimes apply when you change health plans. Additionally, if you or your spouse have health insurance through a former employer or union, contact your benefits representative before you make any new plan choices. Otherwise, you could lose future options or benefits.
Financial help and benefits
There are several programs available to help low-income Medicare beneficiaries pay for some of their Medicare out-of-pocket expenses. For each of these programs the income requirements vary.
What programs can help you if your income is low and you can't afford the premiums, deductibles or Medigap?
The Qualified Medicare Beneficiary (QMB) Program pays for your Medicare premiums, deductibles, and coinsurance.
The Specified Low Income Medicare Beneficiary (SLMB) Program pays for your Medicare Part B premium.
The Qualified Individual 1 (QI-1) Program pays for your Medicare Part B premium.
The Qualified Individual 2 (QI-2) Program pays a small portion of your Medicare Part B premium. Individuals who may be qualified for any of these programs can apply at their local Medicaid offices.
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An institutionalized ex-prisoner who tried to rob a Canberra service station with a beer bottle committed the crime because wanted to go back behind bars, a court has heard.
Jason Jerrard is being sentenced in the ACT Supreme Court for holding up a Braddon service station with a longneck bottle in June last year.
The court today heard the 42-year-old demanded cigarettes and a mobile phone recharge card from his victim but walked off empty handed.
His lawyer said Jerrard walked 100 to 200 metres away and waited for the police to arrive and arrest him.
The defence lawyer argued his client, who suffers from schizophrenia, had become so institutionalised he struggled to live outside a correctional centre.
Jerrard was already on bail at the time for smashing a window and, when police arriving, telling them words to the effect of 'I think you're looking for me'.
The defendant has already spent almost 350 days in custody in relation to the incidents.
But the court heard Jerrard was now ready to adapt to life in the community and accept treatment for his mental illness.
The man's lawyer said his client was now "lucid, objective, reasonable" and taking his medication.
And lawyers at both ends of the bar table urged Justice Hilary Penfold to make a psychiatric treatment order part of her eventual sentence.
The judge will hand down a sentence next month.


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Credit: Thomas Nuffer
1. Eric Young defeated Zema Ion
2. Velvet Sky defeated Gail Kim
3. Gunner defeated James Storm
4. The Wolves defeated The BroMans via disqualification
5. Mr. Anderson defeated Bobby Roode
6. Magnus defeated Samoa Joe inside a steel cage to retain the TNA World Heavyweight Championship.
Note: There were about 1,500 fans in attendance and the show was very disorganized, according to multiple fans in attendance.
How was it disorganized? Examples of how unorganized it was would have been better news than a list of matches.
It wasnt its just a way to bash tna because they cant bash them over the attendance
The fact that TNA got a half decent house show attendance doesn't merit a positive spin. Instead let's focus on a rumour that the show was disorganised. What a pile of wank this site can be sometimes.
A wrestling show disorganized? Well I never.. Since when are any wrestling shows organized, it's usually just, lets make a line of some sort and wait. Nothing new. Disorganized usually means you get more, because they are delivering a lot so it's harder to plan for. Usually organized means, we give you nothing, sit down here. Simple and organized but deliver nothing extra.


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Type of Document Master's Thesis Author Wright, Christine Michelle URN etd-1112102-125556 Title Significance of Variations among Ancient Deltaic Deposits in the Arkoma Basin, North-Central Arkansas Degree Master of Science (M.S.) Department Geology and Geophysics Advisory Committee
Advisor Name Title Arnold H. Bouma Committee Chair Laurie C. Anderson Committee Member Phillip Bart Committee Member Keywords
- provenance
- variability
- delta
- deposits
Date of Defense 2002-09-30 Availability unrestricted AbstractThe Arkoma Basin is one of several foreland basins formed in association with the Ouachita orogeny. The Arkoma Basin has been studied in depth with regard to stratigraphy, depositional environments, structure and its relationship to the Appalachian-Ouachita orogenic event. This study focuses on the variability of the deltaic deposits within the Arkoma Basin and the significance of the variables to both the delta complex and the overall tectonic setting.
The specific characteristics to be investigated include variations in paleocurrent directions, bed thicknesses, bed geometries, organic contents, sand/shale ratios, mineral assemblages and fossil assemblages. In the case of the Arkoma deltaic deposits, bed thickness is a function of the duration and rate of the depositional event, assuming no scour has occurred. Bed geometry is controlled by the location of the deposit within the delta complex. The organic content, and thus trace fossil abundance, is controlled by the course of the river, as well as wave and tidal influences on the delta. The mineral assemblages are determined by the composition of the parent rock as well as the effects of weathering as the sediments are transported. Paleoflow in a deltaic system is controlled by the course of the river as well as specific branching of distributary channels.
Traditional QFL data have been unable to resolve the conflict over source area. Two source areas have been proposed for this system: 1) a northern cratonic source and 2) an eastern Appalachian source. Detrital tourmaline chemistry provides an alternative method for determining provenance in this system. Tourmaline analysis suggests an eastern Appalachian source is more probable.
Filename Size Approximate Download Time (Hours:Minutes:Seconds)
28.8 Modem 56K Modem ISDN (64 Kb) ISDN (128 Kb) Higher-speed Access Wright_thesis.pdf 10.92 Mb 00:50:32 00:25:59 00:22:44 00:11:22 00:00:58


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To The Editor: Much of the debate about the Marlington School Districts 8.5 mill operating levy miss
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Susser Holdings Continues Growth in 2007
Meanwhile, total revenues and profits fall for the company on lower fuel prices.
CORPUS CHRISTI, Texas -- Susser Holdings Corp., operator of 325 Stripes convenience stores in the U.S., opened 16 new locations in fiscal 2006, and plans to open two additional stores in the first quarter of 2007, while continuing construction on seven other units, the company said in its fourth quarter and year-end fiscal report.
Also during the fourth quarter, nine of the company's low-volume stores were closed. For the remainder of 2007, Susser estimates it will open 18 to 22 new retail stores, all of which will include a Laredo Taco Co. quick-serve restaurant. Currently, the restaurants are in place at 146 of the company's locations.
"We continued to see strong year-over-year growth in merchandise sales and merchandise gross margins during the fourth quarter, and we are especially pleased with the continued growth of our Laredo Taco Co. restaurant business," said Sam L. Susser, CEO. "As expected, fuel margins declined from the record high levels we saw in the third quarter of 2006, although we still achieved full year fuel margins that were slightly ahead of last year's and consistent with our long-term average," he said.
The company's wholesale operations saw 30 new dealer sites added to its portfolio, while discontinuing an additional nine sites, to bring total dealer sites to 367 as of year-end. In the first quarter of 2007, the company plans to add seven or more dealer sites, and 25 to 35 additional sites in the remainder of 2007.
Susser's store rebranding initiative from Circle K to Stripes and its fuel rebranding from CITGO to Valero was completed in the company's first quarter of 2007. An ongoing advertising campaign will begin this month in the Christi, Laredo and the Rio Grande Valley areas of Texas, which includes television, radio and billboard advertising promoting the Stripes brand and the Laredo Taco Company as a place for fresh, delicious food and beverages, the company stated.
Fourth quarter 2006 merchandise sales for the company totaled $88.7 million, a 9.9 percent increase from the $80.7 million recorded in the year-ago period. Also, total revenues for the company in its fourth quarter fell to $488 million, compared to the $509.1 million seen in the same quarter in 2005. The company attributed the fall to lower retail and wholesale fuel prices compared to the fourth quarter of a year prior.
Earnings before taxes were negatively impacted by an $8.5 million decline in fuel gross profit, causing profits to fall to $5.9 million from the $13.8 million seen in the fourth quarter of 2005. Retail fuel margins for the quarter were 9.2 cents per gallon, compared to the 14.8 cents per gallon seen in the fourth quarter of 2005. An 11.2 percent increase in non-fuel gross profit -- totaling $3.5 million -- did not offset the affects of lower fuel margins on profits.
"Overall, we're very pleased with our fourth quarter and full year results, and we continue to expect strong operating performance in 2007," Susser added. "With the December 2005 recapitalization, the October 2006 IPO, the re-branding to Stripes and the conversion to Valero now behind us, our management team looks forward to focusing its time and energy on growth initiatives going forward."


text: SANDPOINT, Idaho, Oct. 14, 2013 (GLOBE NEWSWIRE) -- Coldwater Creek Inc. (Nasdaq:CWTR) today announced that its Board of Directors has authorized the evaluation of strategic alternatives to enhance value for stockholders. The Executive Committee of the Board will lead this process and intends to consider a broad range of alternatives, including, but not limited to, partnerships, joint ventures or a sale or merger of the Company. Perella Weinberg Partners is serving as exclusive independent financial advisor to assist the Board of Directors in the evaluation of possible strategic alternatives. There can be no assurance that the exploration of strategic alternatives will result in a transaction. The Company has not set a timetable for completion of this process and does not intend to disclose further developments with respect to this process unless and until its Board of Directors approves a specific transaction or otherwise concludes the review of strategic alternatives. Business and Guidance Update The Company noted that the negative comparable retail sales trend identified in the second quarter has accelerated. Despite the benefits from its ongoing cost cutting initiatives and real estate optimization activities, the Company expects third quarter results to be below its previous guidance. In addition, and concurrent with the announcement that it will evaluate strategic alternatives, the Company stated it would suspend its practice of providing quarterly guidance until such time as its business returns to a more predictable cadence. "The Coldwater Creek Board and management are committed to taking all appropriate steps to enhance stockholder value and have determined that undertaking a thorough and deliberative evaluation of strategic alternatives, with the assistance of its financial and legal advisors, is in the best interests of the Company and all of its stockholders," said Jill Dean, President and Chief Executive Officer of Coldwater Creek. "As a result of an increasingly challenging retail environment, we are continuing to take the necessary steps towards improving our financial position as well as our long-term prospects as a more competitive and successful company. In that regard, we will continue to concentrate on maximizing shareholder value with a relentless focus on driving sales and customer loyalty, as well as prudently right-sizing the business to today's environment."


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We're all Invited to JT and Cammie's Wedding!
We're all Invited to JT and Cammie's Wedding!
JT insists that the couple have not set a wedding date, but when they do he promises to invite the press so they don't have to stress about keeping the day a secret. He says he would rather share the special day with everyone than deal with the efforts of protecting their privacy from the world. Sounds like what Nicole and Keith did and it worked out for them. We hope Cameron agrees with this plan since she is usually very unwilling to get her photo taken by the press... and if so, can POPSUGAR be invited? Here's more:
Justin tells British magazine OK!, "It is a full-time job. "To make lists, to choose a secret place and the subterfuge to forward the guests without the press getting involved to settle the orders with caterers. It is tiring in the end. "When we've decided, I will be sure to invite you, all right?"
We think they will get hitched at their new $24 million Hawaiian home. For more pics of Cameron


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AlienVault® Unified Security Management™ (USM™) is an innovative approach to security monitoring, delivered in a unified platform. The USM platform includes five essential security capabilities that provide resource-constrained organizations with everything they need for effective threat detection, incident response, and compliance management, in a single pane of glass.Advertisement
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Please register any adults & children for the carnival. Children over 10 are $20. Children 10 and under are free (two and younger will be placed in the nursery).
Make checks out to "Princeton Disabilities Awareness" and send to:
Nick Dreher
1581 Frist Campus Center
Princeton, NJ 08544
Email email@example.com with any questions and to confirm your registration.


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Missing Hancock, Minn., woman found after disappearing Sunday in S.D.
A Hancock, Minn., woman, who went missing Sunday near Hot Springs, S.D., has been found.
The the Morris Sun-Tribune and Rapid City Journal are reporting that Constance Beyer, 58, walked back into a South Dakota truck stop Monday morning after being missing for 24 hours.
Fall River County law enforcement reported Sunday that Beyer and her husband, Lanny, 59, had stopped at a Hot Springs, S.D., truck stop for fuel about 4 a.m. Sunday. The couple drives truck together.
The Morris Sun-Tribune reported that family members said Beyer had been abducted, taken into nearby hills, robbed of the cash in her pocket and then thrown into a ravine. She then started walking back toward the truck stop Sunday and arrived this morning.
Anyone having information on the circumstances surrounding Beyer's disappearance are asked to call the Fall River County Sheriff's department at (605) 745-4444.


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UWCCC Grand Rounds-Novel Experimental Therapies for Gynecologic Cancer
Please note new location for this Grand Rounds:
Room 1325
Health Sciences Learning Center
Contact: Gayla Garlick-Hansen
Featured Speaker:
Manish S. Patankar, PhD
Associate Professor
Department of Obstetrics and Gynecology
UW-School of Medicine and Public Health
To receive your CME credit each week, please fill out your speaker evaluation forms and leave the completed evaluation on the desk in G5/119 or return them weekly to K4/610 (Mail Code 6164).
The University of Wisconsin Medical School and Public Health is accredited by the Accreditation Council for Continuing Medical Education to provide continuing medical education for physicians.
The University of Wisconsin School of Medicine and Public Health designates this educational activity for a maximum of 1 AMA PRA Category 1 Credit(s) TM**. Physicians should only claim credit commensurate with the extent of their participation in the activity.
**AMA PRA Category 1 Credit is a trademark of the American Medical Association.
Carbone Cancer Center For Researchers Home


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Madison Vaccines Incorporated (MVI) is a clinical stage biopharmaceutical company focused on advancing innovative therapies for prostate cancer.
MVI is working toward a future where men with recurrent prostate cancer will live longer and healthier lives as spouses, fathers and grandfathers.
MVI is now uniquely positioned to achieve this with product-candidates in three distinct stages of prostate cancer, from pre-metastatic, to the start of metastases, to late-stage, castrate-resistant disease. We believe our products can make a meaningful difference in treating this disease.
MVI is developing plasmid DNA vaccines for prostate cancer patients.
These vaccines are readily manufactured, stable, and are administered by simple skin injection. We target patients with the highest risk of developing bone or other metastases after their initial therapy.
MVI DNA vaccines represent discoveries made in the laboratory of Dr. Douglas McNeel at the University of Wisconsin-Madison, and licensed to MVI.
MVI-816 is a plasmid DNA vaccine targeting prostatic acid phosphatase (PAP), a well-defined prostate antigen suitable for prostate cancer vaccines. MVI-816 is currently progressing in a randomized, placebo controlled Phase 2 trial in non-metastatic prostate cancer.
MVI-816 is also in a combination trial with a PD-1 inhibitor for late-stage prostate cancer.
A second vaccine, MVI-118 , is in a Phase 1 clinical trial in men with metastatic prostate cancer who are initiating androgen deprivation therapy (ADT). MVI-118 targets the human androgen receptor, the critical biological target responsible for driving prostate cancer progression and, in many cases, resistance to current therapies.


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Dallas Police In Search of Relatives of Mrs. J. J. Farley, The Country's Original Police Woman
DPD Captain Eva Farley and the rest of the so-called "Jail Crew" from the department's 1910 history-of
Courtesy the University of North Texas Libraries/Dallas Public Library
She had a first name: Eva. But you'd never know it. The myriad mentions of "the first regularly commissioned woman police officer in the United States," as she was referred to in the January-June 1913 edition of Municipal Works, only refer to her as "Mrs. J.J. Farley." As in:
Dallas has the distinction of having the first regularly commissioned woman police officer in the United States. While preparations were being made for the reception and entertainment of Mrs. Alice Stebbins Wells, a policewoman of Los Angeles, attention was called to the fact that Mrs. J. J. Farley, appointed police matron about seven years ago, has been in actual police service longer than any other woman. Dallas, it is believed, was the first city to realize the importance of the need for a woman police officer, and seeing this need it was but a step until the appointment followed. Captain Farley was installed as police matron of Dallas, with the rank of captain, on Washington's Birthday, seven years ago. Her appointment is the first recorded instance of where any woman was given the rank of police captain.
Here's another nod, from the official proceedings of the National Conference on Charities and Corrections, dated May 1915: "The city has paid tribute to her long and capable service by giving her the title and salary of captain, with a handsome gold badge to prove it." Even the DPD's own history of the department, published in 1910, only refers to her as "Captain J.J. Farley," and says in her bio "she would not give the exact date of her birth."
Reason I mention it: On Friday the DPD will dedicate the Eva Farley Terrace Conference Room, and it'd like some of her relatives to attend. Problem is: While the department believes her family lives in and around North Texas, they've yet to make contact with anyone. Hence the APB put out by the DPD's media relations office:
Mrs. Farley moved from Mississippi to Texas some time around 1870. She married Mr. John or Jack Farley on October 23, 1889 and lived in Denison, Texas with Jack and her son Frank Brown. We believe her maiden name may have been Cureton. Records show that her husband John/Jack passed away sometime between 1900 and 1910. It appears that in 1920 she married John Hubner and may have moved to Los Angles, California. If that record is correct, Mrs. Farley passed away in 1943.
Mrs. Farley was very active and contributed much to the community. We believe that she may have surviving relatives in the North Texas or Grayson County area. If there is anyone who knows of Mrs. Farley or any associates of her family, you are encouraged to contact the Police Media Relations Office at 214-671-4065.
Interestingly, DPD insists she was commissioned on February 22, 1896; Senior Corporal Kevin Janse says that's based on the department's personnel records. But as you can see from the lengthy excerpt taken from the 1910 DPD book on the other side, 100 years ago the department said it was February 22, 1906.
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Exclusive Interview With Southern Rockers Black Earth
Southern hard rockers Black Earth speak with us today about the state of rock music as well as their fantastic new release "Pink Champagne". Welcome to Independent Music Promotions, guys. I have to say,Read More »


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Need Appliance Repair Help? Ask a Technician for Answers ASAP
It will be the control or the element its self. Unplug the unit or remove power by the braker. Remove the oven floor. Inspect the bake element of a blow out. If you find one replace the element. If you do not find any thing test the element with an Ohm meter or take it to a local parts store. They will test it for you. Two screws at the back of the element and two wires to remove it. If the element is good then it will be your control. Order a new overlay with it in the color of the unit. Also check your owners manual the controls will sometimes have a longer parts warranty. Do not power up the unit with the element out of it!
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