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Susan L. Lees, EVP and GC, Allstate Insurance Co.
Susie Lees didn't follow a straight path to heading the legal department of the country's largest publicly held personal lines property and casualty insurer. A career in business came before law school, and so did some part-time work while raising a family.
Now executive vice president and general counsel of Allstate Insurance Co. and a member of Allstate's senior leadership team, Lees is also president of the board of directors for the Riverside Foundation, a nonprofit organization offering life enrichment opportunities to adults with developmental disabilities. Lees serves on the boards of the Rand Institute for Civil Justice, Institute for Legal Reform and the Association of Life Insurance Counsel.
WIPL spoke recently with Lees about how she originally didn't want to be a lawyer, staying true to one's self and why women still need to be less judgmental of each other.
What first drew you to a career in the law?
After college, I was actually working in business. I worked at a law firm during the summer, which was my only real exposure to the law. I worked with M&A lawyers at a time when M&A was booming, and the lawyers were working around the clock. My parting words to the lawyers were that I would never do what they did.
But when I was working in Houston after college in a business position, the ability to move forward was limited. I saw people in meetings in suits who had interesting things to say, and they were business lawyers. It turns out, I liked law just not operations of the law that I'd seen.
During law school, I was very focused on not working for a law firm. I wanted to work in business and have work-family balance, although I didn't know that the term existed at the time. I would have ended up at a law firm, except I moved and I refocused my search on companies.
What is the most important issue facing your company and industry and the legal profession now?
In the legal profession, law firms have to get the economics figured out. The system is just not working and needs huge changes. The industry will have to come to terms with some long-sacred cows, like the hourly bill.
The insurance industry and our company are facing a couple of major issues. One is the regulatory environment, which has changed a lot in Washington and the states ever since Dodd-Frank. Technology is also huge, especially for those in the automotive insurance space around areas like driverless cars and connectivity with customers.
What has been the biggest change you have seen in the legal field since you began practicing law?
It's really a 24/7 experience now. There is no end to how quickly the demand is to turn everything around. It used to be that you could put a package in the mail with the latest changes to a document and it wouldn't get delivered for three days. So you could go work on something else. Today, the demand and pressure on lawyers is incredible. That really forces you to think on the spot sometimes and you have to channel a lot of information more quickly than ever before. You never have the luxury of time to reflect.
What professional accomplishment has made you most proud?
It couldn't be better than becoming a GC. I still pinch myself on occasion when I'm being introduced as that. I started here part-time, and the GC told me then that if I needed a full time job I should maybe go somewhere else.
We have an initiative within the law department that will allow us to better structure to meet the needs of the business partners, develop talent and install new software system.
What advice would you give to women looking to advance in their legal departments?
You have to know who you are, what you are good at and what your priorities are. When you try to be something other people want you to be, you aren't happy and you are not necessarily good at it. You have to be in touch with yourself so you know what you do well, and what's important to you.
For me, it was somewhat decided in advance. I had two of my three kids while in law school, and expectations were also different then. Women were also expected to be wives and mothers then. So it wasn't hard for me to turn down really good offers because I knew what I wanted. Today, young women often struggle with the expectations society has imposed. I've always been realistic, but I also didn't have as much coming at me from TV or social media.
Were there specific people or opportunities that helped you throughout your career?
From an opportunity standpoint, working on big transactions gave me exposure to senior leaders at Allstate.
In terms of people, Michele Mayes was GC here before I was. In a conversation early on with her, she asked about my external networks. I thought at the time that my external networks were all about carpooling. That truly made me uncomfortable, so I realized I really needed to get out there. I distinctly remember that meeting, and I don't remember a lot of meetings. I spent a lot of time in the following years getting involved with industry associations. It made me better prepared for this position, and it made me a better leader.
Do you see a difference in how women network with and mentor other women, compared to working with men?
Men are very good at networking in business. You see them having lunch together in the cafeteria. They aren't running errands during lunch, like a lot of women. I think women are getting better at it, though.
I also think women continue to be mean and judgmental to other women, although women are getting better at that too. But women still need to be more supportive of other women, particularly through sponsorship. Women aren't competing against each other, we're all competing against everyone now.


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I had the chance to catch up with some of the recent creative initiatives that have burst forth from the beating heart of LBi London. It was an interesting experience!
In particular, I wanted to share this one video because the whole project was done entirely for charity. It also answers that very common and popular question. "Who would win in a fight? A banker or an agency-type?".

subset: commoncrawl


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LAKE BUTLER, FL -- Funeral services were held Thursday afternoon, July 7 at Lake Butler Church of God for Mrs. Grimes, 92, formerly of Lebanon. Mrs. Grimes, of Lake Butler, Fla. died Sunday, July 3, 2011.
She was born in Homerville, Ga., to the late Henry and Katie Pittman.
In 1939 she married Harold B. "Shot" Jackson and moved to Jacksonville, Fla.
In 1955 she married her late husband, William "bill" Grimes and moved to Lake Butler.
Mrs. Grimes retired from South Central Bell with over 37 years of service. She was a member of Lake Butler Church of God and served as church secretary for 25 years.
She moved to Lebanon in 2009 to live with her son Harry and his family.
Services were conducted by the Rev. Randolph Murray and the Rev. Alvin Lane.
Survivors include: sons Harry (Anita) and David (Susan) Jackson; daughter Aleene Jackson; stepdaughter Mary Lou Newton; 11 grandchildren; and 19 great-grandchildren.
Arrangements by Archer Funeral Home, Lake Butler, FL.


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Actress Selma Blair and her beau Jason Bleick enjoyed a stroll together through their Los Angeles, Calif. neighbourhood with son Arthur Saint on Christmas Eve. The couple had just enjoyed lunch at a local Chipotle Mexican Grill.
The 4-month-old cutie looked as mellow as ever as he bopped along in his signature BabyBjörn carrier.
Recently, the new mom admitted that, like many parents, she and her partner have to "schedule date nights" in order to spend quality time together.
"My friend watched the baby Friday and tonight's a date night, so it's a big deal," she explained to Us Weekly in the fall. "They're few and far between, but we appreciate them."
Arthur is baby no. 1 for the Hellboy star and her fashion designer boyfriend.View Slideshow »»


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Property Location With a stay at Aparthotel Adagio Access München City Olympiapark in Munich Milbertshofen - Am Hart, you'll be convenient to Olympia Shopping Mall and BMW World. This aparthotel is within close proximity of Olympiahalle and Olympic Tower.Rooms Make yourself at home in one of the 160 air-conditioned rooms featuring kitchenettes. Complimentary wireless Internet access is available to keep you connected. Conveniences include phones, as well as safes and desks.Rec, Spa, Premium Amenities Take advantage of recreation opportunities such as a fitness center, or other amenities including complimentary wireless Internet access and a television in the lobby.Dining Grab a bite from a grocery/convenience store serving guests of Aparthotel Adagio Access München City Olympiapark.Business, Other Amenities Featured amenities include a 24-hour front desk, luggage storage, and laundry facilities. Self parking subject to charges is available onsite.
City Centre


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ADCB introduces new ADCB All-in-1 Current Account
As part of its drive to introduce new products and upgraded facilities, ADCB has introduced a new ADCB All-in-1 Current Account that provides numerous benefits to the customer.
Customers using this new account will be able to maintain a zero-balance account and benefit from addition offerings such as Regular Overdraft, insurance products and a medical card, they can also access the branch for up to 10 transactions per month. However as part of a special promotion for the launch of the account, customers applying before December will be able to avail of an unlimited number of transactions. In addition, the Contact Centre is always available for unlimited free telephone banking transactions.
"Our ambition is for each customer to walk away with an unequalled banking experience when dealing with ADCB. Developing such products proves our constant and unwavering commitment to our customers," said Eirvin Knox, CEO, ADCB.
© 2004 Mena Report (www.menareport.com)


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The Federal Communications Commission (FCC) sent a letter to Verizon demanding answers about why it increased early termination fees for smart phone users as well as whether customers are charged for inadvertently accessing Verizon's Internet services.
At dispute is that Verizon doubled early termination fees (ETF) for new customers that signed up to its wireless services with a smartphone. The company also charged a $2 fee of a number of customers who accessed its mobile Web by inadvertently loading their browsers.
A Verizon spokesperson responded to the inquiry, telling Gigaom, "Nobody is required to pay an ETF. You always have the choice of buying a mobile phone at full price with no ETF. Or you can buy a device at a discount with a 1- or 2-year contract. If you stay with your contract, you don't pay a fee at all. We've heard from very few customers who accidentally accessed their web browsers, and we immediately credited them $1.99 per month for the problem."
Of course, that response dodged the question about ETFs doubling for smart phone customers. This is just my guess, but it might have something to do with the recent availability of the Droid.
However, Verizon will have to respond to the FCC, which has increased its role as a consumer watchdog. If this is how the FCC is going to act going forward, I'm pleased -- so long as the industry's position is respected as well.
This story, "Verizon's Going to Have to Answer to the FCC (and Customers)" was originally published by Technologizer.


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Tyler State Park Lake Loop Trail is a 2 mile moderately trafficked loop trail located near Tyler, Texas that features a lake and is rated as moderate. The trail offers a number of activity options and is accessible year-round. Dogs are also able to use this trail but must be kept on leash.
dogs on leash
mountain biking
nature trips
road biking
trail running
wild flowers
Parking access at Group 3 picnic area.
We did loop A which was 2.5 miles or so. Great variety of hills and climbs not too rocky or steep either. Extremely humid at this park so I highly recommend a morning or evening ride specially in the summer time. I have never sweat so much in my life. Take plenty of water and your also supposed to pay a park fee. Beautiful trees!!!!!
We did all the trails here.. the nicest was the lake trail however the longer two A and B were fairly nice. Just a ton of bikes and not much room of the trail.
I give this trail 5 stars, however, I give this description of the trail 1 star. First of all, this trail isn't called "Tyler State Park Loop Trail". The actual name of this (hiking only) trail is called the LAKESHORE Trail. Secondly, the map of the trail is correct, except according to the official trail map issued by Tyler State Park the trail is a 2.1 mile loop and the trailhead actually starts in the Brown's Point day use area of the park. This trail does NOT include the A loop, B loop, C loop, D loop, EZ Loop or Blackjack Nature trails. As for the Lakeshore Trail, it is quite a beautiful trail, mostly flat on the north side of the lake, but quite hilly on the south side of the lake. Beaver Pond on the far east side is a real treat and has a really great view of both the lake as well as the runoff ponds behind the lake. Great place to view birds and turtles!!! The walk across the spillway also has nice views of the lake. You will pass 2 fishing piers along the way as well as an island and a playground. There used to be a 3rd fishing pier at the playground but it was recently torn down.
My husband and I hiked 1/16/17 with our two boys (5 and 2.5) and we really enjoyed our time there. We started hiking the C Loop and somehow ended up on the D Loop at the end! Still, it was a beautiful and somewhat challenging hike and we can't wait to do it again!
Great family camping and trails
If you do the easy loop the trail is closer to 10 miles. The A and B loops are pretty easy while the C&D loops offer more technical trails. Love these trails. For anyone wondering, the bridge has been repaired so the full trail is again available.
Just hiked trails A and B. Trails are well worn so it is easy to stay on path. Some nice hills, but generally easy terrain.
I enjoyed these trails that I've been back multiple times. The park does charge $6 per person for day-use entry as there is a swimming area, canoe rentals, and bikes are allowed. Driving around the lake is enjoyable by itself as there are some steep hills and curves. The trails range from easy to moderate. I've hiked them all. Loops B,C, and D allow bikes so listen and watch. Mostly shaded with thicks pines as this is in East Texas, part of the Great Piney Woods. Scenery is heavily forested but does open up. The loop around the lake itself is relatively easy and pleasant. It does have elevation changes but offers wonderful views of the lake. Very enjoyable compared to the other parks in east Texas.
The monotonous views along this trail is like listening to a U2 album on repeat and you're unable to cover your ears. I turned around 2 miles in.
Beautiful trail. Lots of shade
Very cool trail and pretty well maintained. I hiked loops A, B, C, and D. Temperatures ranged from 98-102 but the tree cover made hiking in the heat easier. One bridge is out on loop B. Terrain and elevation change made this trail challenging but very enjoyable.
Did C & D loops on warm afternoon. Great trails! Full canopy throughout, easy inclines and declines, well maintained. Bikes are allowed on this trail, so keep ur eyes and ears open!


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― Jarod Kintz,
The Tax Factor was created to educate individuals and small-business owners about taxes. Let's face it, nothing in life is guaranteed except death and taxes. Okay, maybe that sounded pretty depressing but the goal of this blog is to help you find the information to learn how to make taxes work for you. Taxes can be extremely complicated but knowing about deductions and credits can save you thousands of dollars per year.
Dec 9, 2013
Things I can learn about taxes from a Newborn child: Part #2
― Jarod Kintz,
8 comments:
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Every new experiences teach new lesson. And which are good for us.
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- December 10, 2013 at 7:14 AM
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- January 5, 2014 at 8:04 AM
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- Jack said...
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- February 10, 2015 at 3:42 AM
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- January 23, 2016 at 5:43 AM


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J.E. STRICKER DIES AFTER AN OPERATION; Former Middlesex Prosecutor Began the Investigation of Hall-Mills Mystery. SIXTH DEATH DURING INQUIRY Rumor of Suicide Unfounded -- Death in Hospital Due to Peritonitis.
Special to The New York Times. ();
October 03, 1926,
, Section , Page 2, Column , words
LONG BRANCH, N.J., Oct. 2. -- The sixth death to occur among persons intimately concerned in the investigation of the Hall-Mills murder case came this morning when Joseph E. Stricker, former prosecutor of Middlesex County, who was the first man to direct the investigation four years ago, succumbed to peritonitis following an operation for acute appendicitis a week ago.
October 03, 1926
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Latest Articles
Whosoever is Closing
Thank You for a Great 18 Years!
By stepping away from Whosoever, I am, by no means, turning my back on the LGBT Christian community, but it is time for me to pass the torch to a new, dynamic generation of leaders in our movement. As an elder in this movement, however, I still intend to serve as a resource and as a source of support for anyone who struggles to live authentically into their sexuality or gender identity. This will always be a core piece of my ministry and I hope people will continue to reach out to me when they need that kind of support. I will always be here.
Visit Candace Chellew-Hodge's new blog Spiritual Apocalypse!


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What's on Tap: Busted Sandal is S.A.'s newest microbrewery
Updated 10:00 pm, Friday, April 18, 2014
Busted Sandal Brewing Co., San Antonio's newest microbrewery, slipped into the local scene quietly late last summer, debuting with its El Robusto Porter. Since then, it's added several more beers to the lineup as the operation has matured, with other seasonal beers planned for the near future.
As its name suggests, the porter is indeed robust in some ways. It comes in at 7 percent alcohol by volume, which is stronger than what's typically found in the robust porter style. In taste, however, it is a closer approximation of the lighter brown porter style, favoring chocolate or toffee flavors over the stronger burnt notes that heavier porters have.
Another of its regular features is the Slippery Rock IPA, which as IPAs go, is not overly bitter, emphasizing hop flavor and aroma instead. It has copious amounts of pleasant grapefruit and lemon aroma to go with a fairly straightforward malt base.
In the fall, Busted Sandal created its first seasonal beer, El Gourdo Pumpkin Porter, by tweaking its regular porter and adding pumpkin and a variety of spices, including nutmeg, allspice and cinnamon. It has mostly disappeared from bars and restaurants by now, but is still pouring in the brewery's taproom, where it's remained very popular. When it was first released, some of the spices overshadowed the rest of the beer, but after a little fine-tuning of the recipe and a couple of months' time for the flavors to meld, it is now very enjoyable. It has a fair similarity to Anchor Christmas, which I think is a noteworthy accomplishment.
In January, Busted Sandal introduced Headlights IPA, a special release that benefits breast cancer awareness charity Susan G. Komen San Antonio. Its recipe includes oats, which normally are found only in stouts, but are used to great effect to add a smooth mouth-feel and a creamy long-lasting head. It features Nelson Sauvin hops, a variety grown in New Zealand, which adds interesting apricot- and grape-like undertones to the aroma.
A walk through Busted Sandal's brewhouse shows that the three brewery founders, Michael DiCicco, Robert Garza and Joseph Alvarado, love to tinker and build things. They've come up with ingenious ways of getting by without some of the most expensive parts of a traditional brewery setup. If you're a homebrewer, this is one tour you want to take.
Food & Drink Channel
As do most of today's breweries, it plans to expand. After the owners complete an obstacle course of paperwork and permitting, they will soon more than double the footprint of their brewery, which will allow them to eventually ramp up their production six-fold from where they are now. Currently, all their beer is draft only, but they plan to begin bottling in bombers soon.
Markus Haas is the beer writer for the Express-News. Follow him on Twitter @saen_beerguy or email firstname.lastname@example.com.


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The Financial Reporting Council's (FRC) latest audit quality inspections of BDO and Grant Thornton reveal a number of listed company audits required "significant improvement".
The profession's watchdog found issues with professional scepticism in several audits from both firms.
In one case, the auditor failed to appropriately challenge the inputs to management's collective impairment model; while in another there was a lack of challenge in relation to valuing plant, machinery, land and infrastructure on a fair value basis...
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Jamal Munshi, Sonoma State Univesity, 1993
A careful algebraic derivation of the well-known Hamada equation for levered beta (Hamada 1972) reveals a refinement that implies that the Hamada equation under-estimates the effect of leverage on beta. When there is no projected growth of cash flows, the modified Hamada equation predicts that the cost of capital and the value of the firm are independent of capital structure. The additional tax savings due to debt are exactly offset by the increased riskiness of the equity holdings. This result is in agreement with the Irrelevance Theorem postulated by Miller (Miller 1977).
When the projected growth rate is positive, the modified equation shows a steady decrease in firm value when debt is added to the capital structure. This result is contrary to that predicted by the Hamada equation and supports the agency cost explanation of capital structure described by Jensen and Meckling (1976). Debt only reduces the accounting value of the firm and not necessarily the value of the firm net of agency costs. The results are consistent with the idea that with agency costs taken into consideration the net firm value may first rise to a maximum as savings in agency costs outweigh the loss of accounting value.
In deriving his equation, Hamada set the corporate cost of debt to the risk-free rate to simplify the algebra. This restriction was overcome in a later revision of the equation by Conine and Tamarkin (1985). However, since later works use Hamada's equation as the starting point, they suffer from the same under-estimation problem. In this paper, a generalized form of the equation is presented that makes no assumption about the cost of debt. The equation is simple and easy to implement into spreadsheet models for analyzing capital structure effects. A complete spreadsheet model that allows for risky debt and preferred shares is included in the paper.
We Start with the equation for accounting returns to common shareholders of the levered firm (kL) as
kL = (NIAT - j*P)/E
where NIAT is net after-tax income, j*P represents dividends payable to preferred shareholders at a rate of j on a total outstanding value preferred shares of P. The variable E is the value of common equity. We further define I as the interest payable to debtholders as the product of i*D where i is the interest rate in debt and D is the debt outstanding. Imposing these accounting definitions we obtain,
kL = [t*(NOI-I)j*P]/E
Where t is 1 minus the corporate tax rate (or the `keep' rate), ROI is the return on assets, P is preferred equity outstanding, and j is the rate of return on preferred equity.
The result is, in somewhat more general form, what is known as the DuPont Model. In the absence of debt the middle term disappears and we have
kU = t*[ROI]+[t*ROI-j]*P/E
Substituting this expression for ROI in the equation for kL to get
kL = t*(kU - j*P/E)/(1+ t*P/E) + t*D/E)*((kU - +j*P/E)/(1+ t*P/E)-i) +
Now substitute the CAPM relations
kL = Rf + bL * (Rm - Rf)
to obtain
Collecting terms we get
This equation simplifies considerably if we assume that i = Rf and that is what Hamada did. We thus obtain the correct Hamada equation as
bL = bU + (D/E)*bU +(D/E)*Rf/(Rm - Rf) -(D/E)*(1-t)*Rf/(Rm - Rf)
Denoting Rf/(Rm - Rf) as r and the capital structure D/E as d we have,
bL = bU + dbU + drt
bL = bU(1+ d) + drt
We will refer to the corrected Hamada equation as the Jamada equation. It differs from the Hamada equation normally stated as
bL = bU(1+ d(1-t))
A more interesting point to note is that the assumption of i=Rf is not really necessary since the equation is still quite manageable if we retain i as risky debt and use the second form of the Jamada equation.
bL = bU(1+ d) + dr[1 - z(1-t)]
Where z is the ratio of the interest rate on corporate debt to the risk free rate (i/Rf).
Under the assumptions of the Hamada equation, the Jamada equation predicts a larger effect of debt on beta and the additional effect exactly offsets the apparent advantage of debt financing predicted by the Hamada equation. This means that under the same set of assumptions Hamada predicts a decreasing cost of capital with debt while Jamada predicts that the cost of capital and therefore the value of the firm is invariant with capital structure. These relationships are developed below.
The weighted average cost of capital (WACC) of the firm with w fraction of its assets supported by debt and (1-w) supported by equity may be written as
WACC = wRf(1-t) + (1-w)[(bu+d(1-t))(Rm-Rf) + Rf]
expressing d as w/(1-w) we get
WACC = wRf(1-t) + (1-w)[(bu+w(1-t)/(1-w))(Rm-Rf) + Rf] = wRf(1-t) + (1-w)Rf + (1-w)(Rm-Rf)bu + w(1-t)(Rm-Rf) = (1-w)Rf + (1-w)Rmbu - (1-w)Rfbu + wRm(1-t) = Rf + Rmbu - Rfbu + w[Rm(1-t)-Rf-Rmbu+Rfbu]
The first derivative of WACC with respect to w is
d/dw[WACC] = (1-t)Rm - [Rf + (Rm-Rf)bu]
and the second derivative is zero. The Hamada relation thus predicts a linear relationship between the debt ratio and cost of capital
The returns from the unlevered firm ku may be expressed as ROI(1-t) where ROI is the operating income per dollar of total assets. The equation shows that as long as ku is greater than Rm(1-t) or ROI is greater than Rm debt reduces the cost of capital and the `optimal' capital structure (for maximum firm value) would be all debt. If ku=Rm(1-t), or Rm = ROI then firm value is invariant with capital structure. And if ku is less than Rm(1-t) or ROI is less than Rm, firm value falls with debt, i.e., the optimal capital structure is all equity.
Baxter Leverage, Risk of Ruin, and the Cost of Capital, Journal of Finance, Vol.22 No. 3, September 1967
Black, F. and Myron Scholes, The Pricing of Options and Corporate liability, Journal of Political Economy, May/June 1973.
Boquist, John A., and William T. Moore, The Inter-Industry Leverage Differences and the DeAngelo-Masulis Tax Shield Hypothesis, Financial Management, Spring, 1984
Bowen, Robert with Lane Daley and Charles Huber, Evidence on the Existence and Determinants of Inter-Industry Differences in Leverage, Financial Management, Winter, 1982
Bowman, Robert, The Importance of a Market Value Assessment of Debt in Assessing Leverage, Journal of Accounting Research, Vol 18 No 1, Spring 1980
Bradley, Michael with Gregg Jarrell and Han Kim, On the Existence of an Optimal Capital Structure: Theory and Evidence, Journal of Finance, July 1984
Brennan, Michael with Eduardo Schwartz, Corporate Income Taxes, Valuation, and the Problem of Optimal Capital Structure, Journal of Business, January 1978
Brennan, Michael, Optimal Financial Policy and Firm Valuation, Journal of Finance, July 1984
Conine, Thomas and Maury Tamarkin, Divisional Cost of Capital Estimation: Adjusting for Leverage, Financial Management, Spring 1985, p54
DeAngelo, H. and R. Masulis, Optimal Capital Structure Under Corporate and Personal Taxes, Journal of Financial Economics, March 1980
Fischer, Edwin with Robert Heinkel and Josef Zechner, Dynamic Capital Structure Choice: Theory and Tests, Journal of Finance, Vol 44 No 1, March 1989
Hamada, Robert S., The Effect of the Firm's Capital Structure on the Systematic Risk of Common Stocks, The Journal of Finance, May 1972, p435
Jensen, M. C. and W. H. Meckling, Theory of the Firm: Managerial Behaviour, Agency Costs, and Ownership Structure, Journal of Financial Economics, October 1976
Kane, Alex with Alan Marcus and Robert McDonald, How Big is the Tax Advantage to Debt, The Journal of Finance, Vol 39 No 3, July 1984
Kim, Wi Saeng and Eric Sorenson, Evidence on the Impact of the Agency Cost of Debt on Corporate Finance, Journal of Financial and Quantitative Analysis, Vol 21 NO 2, June 1986
Mandelker, Gershon, and S. Ghon Rhee, The Impact of the Degrees of Operating and Financial Leverage on Systematic Risk of Common Stock, Journal of Financial and Quantitative Analysis, Vol 19 No 1, March 1984.
Miller, Merton, Debt and Taxes, Journal of Finance, Vol 32 No 2, May 1977
Modigliani, Franco, and Merton Miller, The Cost of Capital, Corporation Finance, and the Theory of Investment, American Economic Review, Vol. 48 No. 3, June 1958
Myers, S. C., Determinants of Corporate Borrowing, Journal of Financial Economics, November 1977


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|Sidewall Type
|Price Per Tire
|Special Offers


text:
Sean Marks is general manager of the D-League's Austin Toros, which he considers an initial step in his career as a front office executive.
"Being GM of my own team is a dream, for sure," Marks said. "I know I have a long way to go, but I have a great stepping stone now with the opportunity I have had to learn from Pop, Danny (Ferry), Dennis (former assistant GM Dennis Lindsey).
"The way R.C. handles it is amazing: He says, 'Here, have fun with it; it's your team, run it. He doesn't micromanage, and until he gets sick of me asking question after question, I'll keep picking his brain."
The Spurs have been the launching pad for current NBA general managers such as Ferry, Dell Demps, Sam Presti, Rob Hennigan and Kevin Pritchard.


text:
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UNIT is a handy, simple application designed to help you perform unit conversions. Most conventional units are built in but the program allows the user to compose truly exotic conversions (e.g. mph to femtofurlongs per megafortnight). An ASCII data file allows for the addition of user-defined units.
Publisher: Marv Klotz
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text:
Norwegian Newbies
View Single Post
Junior Member
Join Date: Mar 2011
Posts: 2
My wife and I went on our Honeymoon Cruise this past November on the Norwegian Gem. This was our first crusing experience.
The Gem is a beautiful ship. We had a balcony room, which was nice. You really aren't in the room very often, so if you are looking to save money, thats where I would start.
Here are a few tips about saving some $$$:
*Everyday, there is a different specialty drink offered. The drinks are served in a souviner cup. You can save $2.00 per drink if you ask them to bring it to you in a glass, rather than the souviner cup. This is true for all drinks, not just the special of the day. We ended up with over a dozen souviner cups which we just threw away, and cost us an extra $2.00 per drink.
*Dont buy into the "free soda package". It costs about $7.00 a day and we hardly used it. They give you a reusable insulated cup to carry around with you and it got annoying. The waiters in the restaurants wont ask you if you want soda either..they just bring out water. You have to innitiate. By the way...iced tea, water coffee and tea are free in the restaurants.
*There are photographers EVERYWHERE....you will have your pictures taken a zillion times, and then be offered to buy them in the photo gallery. Very pricey.
*The free restaurants are really good, especially Magenta. You can grab a fantastic French meal at Le Bistro, and it's well worth the $15 or $20 a head to dine there. Especially the dessert. We did not feel the Italian/Chinese/ or Mexican specialty restaurants were worth the additional fee. The Blue Lagoon is open 24 hrs, but the food is not very good, and less than fast-food quality. I guess you cant go wrong with the wings or panini snadwich, but nothing else was decent.
*With all the restaurants, you can order as much as you want from the menus.
Dont be shy to order 2 or 3 different appetizers each, so you can both sample and share. The same is true for the main courses and desserts.
*If you are porting and going on an excursion, get in line at least 1 hour before....the lines were ridiculous and frustration to leave the ship in ports of call. Also, get in line extremely early for the Chocolate Buffett....trust me!
Hope this helps..let me know if I can be further assistance.
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U.S. Bank® Believers and Achievers
Believers and Achievers is a state-wide program designed by U.S. Bank® and the NSAA to give recognition to Nebraska's future leaders. The award honors those students who show a commitment to good citizenship and involvement in school and community projects. more
The U.S. Cellular® "Game(s) of the Week"
U.S. Cellular® and the Nebraska School Activities Association will feature 15 football "Game(s) of the Week" during the 2016-2017 school year. Numerous local authorized U.S. Cellular agents across the state are partnering to promote various NSAA activities and schools. 15 lucky fans will gain FREE admittance to these specified games compliments of U.S. Cellular!
Click HERE for a list of upcoming "Game(s) of the Week".
To see all supporting U.S. Cellular locations, click HERE.
The NSAA Cup
Each year, the Nebraska School Activities Association recognizes the most successful interscholastic high school activities programs in state championship-level competition. Public and private NSAA member schools in four classifications of three divisions earn awards. more
NCPA Academic All-State Award
Each year the Nebraska School Activities Association and the Nebraska Chiropractic Physicians Association will recognize students who have been nominated by their schools, based on their individual academic excellence, leadership and significant contributions made to their NSAA activity. more
Pump & Pantry School Spirit Award
The Nebraska School Activities Association has partnered with Pump & Pantry to bring the "School Spirit Photo Contest" to NSAA member schools. Throughout the year, fans will tweet photos to @nsaahome emphasizing their student body exhibiting School Spirit! Eight winners will be selected and may be featured on the NSAA website, Twitter, Facebook, Publications and NSAA Championship signage. Winners will also earn a $250 gas card for their school! School Spirit Photo Contest Details
- September 2016 Winner: Hershey High School
- October 2016 Winner: Northwest High School
- November 2016 Winner: Oakland-Craig High School
- December 2016 Winner: Kearney High School
- February 2017 Winner: Sumner-Eddyville-Miller High School
- April 2017 Winner: Fremont High School
- May 2016 Winner: Omaha Central High School
Chocolate Milk: The Official Beverage of the NSAA!
The Midwest Dairy Association, dairy farm families of Nebraska and the Nebraska School Activities Association are pleased to announce Chocolate Milk as the official beverage of the NSAA! The Midwest Dairy Association represents more than 189 dairy farm families in Nebraska and are committed to assisting in educating high school activity participants, coaches, administrators, parents and fans on the nutritional benefits surrounding Chocolate Milk and other dairy products. To learn more about the nutritional benefits of dairy products, visit the NSAA's Sports Medicine Page: Nutrition, Health and Safety.
NCA/NSAA "Cheer 4 Your Team" Sportsmanship Banner Contest
The Nebraska Coaches Association and the NSAA have partnered together to present the "Cheer 4 Your Team" Sportsmanship Banner Contest. All NSAA member schools are encouraged to participate. Click HERE for contest details!
- 2013-14 West Holt High School Winning Design
- 2014-15 Cedar Bluffs High School Winning Design
- 2015-16 Blue Hill High School Winning Design
NSAA Distinguished and Outstanding Service Awards
- NSAA Distinguished and Outstanding Service Awards Nomination Form (PDF)
- NSAA Distinguished and Outstanding Service Awards Winners (PDF)
Sportsmanship Award History
- 2009-2010 Winning Schools
- 2010-2011 Winning Schools
- 2011-2012 Winning Schools
- 2012-2013 Winning Schools
Corporate Partnership Opportunities
- NSAA Corporate Partnership Opportunities
- NSAA Championships' Program Advertising: If you are interested in advertising in the 2016-17 NSAA Championships Programs, please contact the NSAA Office (402) 489-0386.


text: SPARTANBURG, S.C., Feb. 4, 2013 (GLOBE NEWSWIRE) -- Synalloy Corporation (Nasdaq:SYNL), a producer of stainless steel pipe, fiberglass ("FRP") and steel storage tanks, specialty chemicals and a fabricator of stainless and carbon steel piping systems announces that the fourth quarter of 2012 produced net sales of $53,138,000, up 32% compared to net sales of $40,241,000 for the fourth quarter of 2011. Net earnings for the fourth quarter of 2012 were $965,000 or $0.15 per share. This compares to net earnings of $1,017,000, or $0.16 per share for 2011's fourth quarter. Sales for the entire year of 2012 were $197,659,000, up 16% compared to net sales of $170,575,000 for 2011. Net earnings were $4,235,000 or $0.66 per share for 2012 compared to $5,797,000 or $0.91 per share for 2011. Inventory losses arising from fluctuations in nickel prices in our Metals Segment had a larger negative impact on the Company's reported earnings for 2012 compared to the prior year. The approximate effect of inventory losses on 2012's total year results was a reduction of reported earnings by $0.48 per share while reducing reported earnings per share for 2011 by $0.17 per share. In addition, the Company recorded $252,000 and $881,000 of acquisition costs associated with the acquisition of Palmer of Texas ("Palmer") in the fourth quarter and total year of 2012, respectively. Also included in the fourth quarter and entire year of 2012 was $540,000 of intangible asset amortization expense associated with the Palmer acquisition. Both of these cost categories associated with the acquisition reduced earnings per share for the fourth quarter and total year of 2012 by $0.08 and $0.15 per share, respectively. Finally, the fourth quarter of 2011 reflected a lower effective tax rate of 20.7% compared to 34.5% used for the fourth quarter of 2012. During the prior year, the Company had a large favorable tax adjustment resulting in the 20.7% rate. If the 2012 fourth quarter effective tax rate was used in the prior year, earnings per share for the fourth quarter 2011 would have been $0.03 lower.


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SARASOTA - At Sarasota Military Academy, add rigorous exercise to the "Three Rs" of education. At a time when a Florida legislator proposed eliminating mandatory physical education in middle schools, the decade-old academy on Orange Avenue near downtown has made fitness a focus of its curriculum.
"I tell the students when they're first coming in that there are going to be push-ups in their future," says Dan Kennedy, the charter school's founder and headmaster. He designed the curriculum based on his belief that a sound body makes a more sound mind. Long before he sits down at his office computer, he gets up before 2 a.m. each day to exercise. "I run about 60 miles a week and I know the positive effect exercise has on just about all aspects of your life," he says.
Every student at the school participates in the ROTC program, and drills five days a week. Elective classes include volleyball, martial arts, fencing and horseback riding. This counters an increasingly prevailing view that schools need to focus on subjects tested by the FCAT, especially since school grades rely so heavily on it. State Rep. Larry Metz, R-Eustis, sponsored a bill that would eliminate the requirement that Florida middle schools teach physical education, telling ABC News that it was difficult for some schools to devote resources and time for gym classes while trying to focus on academic achievement.
Kennedy doesn't buy it. "We have found that the kids that are more physical generally have the highest GPAs," he says. They do well on the FCAT, too, he says. SMA earned an A-rating from the state in 2010 before slipping to a B last year, and he says that 97% of SMA students go on to college. For students raised on video games, cell phones and television, it can take some adjustment when they first arrive here. "For some of them," Kennedy says, "I think it's quite a drastic culture shock."
Students also say that the rigorous exercise does not detract from the reading, writing and arithmetic. "It actually helps," says junior Brianna Keaton. "It keeps me aware and not sleepy."
"Run, work out (and) you feel energized, pay attention in class," says senior German Bolanos.
Even the school music program centers around a marching band.


text:
August 3, 2011
This weekend the IFBB Pro League heads south for the Jacksonville Pro. 2008 Mr. Olympia Dexter Jackson has proven himself to be as good of a contest promoter as he is a bodybuilder. This contest has grown year by year and is always recognized as a favorite by the athletes. See below for more information and the complete list of competitors.
WHAT: 2011 IFBB Jacksonville Pro 202, Figure, & Bikini Championships
WHERE: Jacksonville, FL
WHEN: Friday & Saturday, August 5-6, 2011
TIME: IFBB Pre-Judging at 6pm on Friday / IFBB Finals at 6:00pm on Saturday
FOR MORE INFO: Go here


text:
Family Law
Family Law Questions? Ask a Family Lawyer Online.
That extension of time can be granted just by calling and asking opposing counsel - usually they grant it automatically.
Here is a sample - you would have to modify it with the correct party names, case number, etc.
DAVID F. EVANS, et al., Plaintiffs,
CITY OF DURHAM, N.C., et al., Defendants.
Case No. 1:07CV739
Plaintiffs David F. Evans, Collin Finnerty, and Reade Seligmann, by undersigned counsel, hereby move for an Order extending the time for Defendant Linwood Wilson to answer or otherwise respond to the Complaint to December 11, 2007. In support of this Motion, Plaintiffs state as follows:
1. On November 6, 2007, Defendant Wilson contacted counsel for Plaintiffs Evans and Finnerty to state that he has not yet retained counsel to represent him in this litigation and to request an extension of time in which to answer or otherwise respond to the Complaint.
2. At present, the deadline for Defendant Wilson to answer or otherwise respond to the Complaint is November 12, 2007; the deadline for Defendant Michael B. Nifong is December 11, 2007; and the deadline for all other Defendants is December 10, 2007. EVANS et al v. DURHAM, NORTH CAROLINA, CITY OF et al Doc. 15 Dockets.Justia.com
3. Defendant Wilson, pro se, and all Plaintiffs have agreed to the proposed extension to December 11, 2007.
4. Because Defendant Wilson is not yet represented by counsel, Plaintiffs represented that they would file this Motion to request the Court's approval of the proposed extension to December 11, 2007, and that they would serve Defendant Wilson with copies of this Motion and any communications with the Court concerning this Motion.
WHEREFORE, Plaintiffs request that the Court extend the time for Defendant Linwood Wilson to answer or otherwise respond to the Complaint to December 11, 2007.
Dated: November 7, 2007
Respectfully submitted, WILLIAMS & CONNOLLY LLP By: ___/s/ Charles Davant IV_____________ Brendan V. Sullivan, Jr.* Robert M. Cary* Christopher N. Manning* Charles Davant IV (N.C. Bar #28489)XXXXX N.W. Washington, D.C. 20005 Tel.(NNN) NNN-NNNN(202)(NNN) [email protected][email protected]Attorneys for Plaintiffs David F. Evans and Collin Finnerty (* admitted pro hac vice)
There is one of two ways this can go:
1) That you contact opposing counsel, request the extension of time to file your responsive pleading (answer and counterclaim)
2) That you file a motion requesting the court to grant an extention of time to file your responsive pleading.
If the opposing counsel grants the request - then just send them a letter confirming such - you need do nothing more but file your answer within the agreed time.
If the opposing counsel doesn't grant your request - then you will have to file a request for an extension of time with the court and have a hearing on the matter for the judge to rule on the matter.
I'll be honest with you - it would be easier to file your answer with counterclaim than go through all that. Then, when your attorney returns - you can file an Amended Answer and Counterclaim.
Retain a divorce attorney or attempt to navigate the divorce process yourself. According to Wake Family Law Group, you have 30 days to respond to the Petition for Dissolution of Marriage that was served on you.
Draft an answer to the divorce petition. The answer must be filed before, or at the same time as, your counterclaim. The answer should admit or deny each of the allegations and respond to any demands included in the petition.
Draft the Counterclaim for Dissolution of Marriage. If you agreed to something in the petition, put the same thing in the counterclaim. If you contested something in the petition, enter your request via the counterclaim. For example, if your wife requests primary custody in her petition and you do not agree, you should deny that request in your answer, and then, in your counterclaim, you should ask for primary custody.
Review your counterclaim, making sure you address child custody, child support, alimony, equitable distribution and any other issues that may be a part of the divorce case.
File your answer to the divorce petition and your counterclaim with the appropriate court (the court in which the petition was filed).
Basically here is a sample form:
COMES NOW the Defendant and for his/her Answer and Counterclaim for divorce states as follows: ANSWER 1. Defendant admits paragraphs #__________________________________of Plaintiff's complaint for divorce. 2. Defendant denies paragraphs #__________________________________of Plaintiff's complaint for divorce. 3. In further answer to Plaintiff's complaint Defendant states: ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ COUNTERCLAIM FOR DIVORCE
1. Defendant was lawfully married to the Plaintiff in (town) ________________________, (county) __________________, (state) __________, on ____________ (mo/date/yr.)
2. Plaintiff now resides in (town)_________________, (county)________________, (state)______.
3. Defendant now resides in (town)_________________, (county)________________, (state)______.
4. The court has jurisdiction because: (check all of the statements that apply): A. Defendant resided in Maine in good faith for six months before filing this Complaint; B. Defendant is a resident of Maine and the parties were married in Maine; C. Defendant is a resident of Maine and the parties resided in Maine when the grounds for divorce arose; D. Plaintiff is a resident of Maine.
5. Neither party has filed for divorce or annulment from the other before the filing of Plaintiff's complaint in this case except: A complaint for divorce or annulment was filed before in (court name, town and state of court)______________________________________________________________, Docket No. ______________________. That case: Was dismissed on ____________. Is still pending.
6. The parties have personal property, AND Either or both parties has an interest in real estate, OR Neither party has an interest in real estate.
7. Defendant hereby states that the grounds for divorce in this case is that irreconcilable marital differences exist between the parties
8. Defendant and Plaintiff are the parents of the following child(ren): Name Date of Birth Present Address ____________________________ ________________ ________________________ ____________________________ ________________ ________________________ ____________________________ ________________ ________________________ ____________________________ ________________ ________________________ A. The children have lived in the following places at the following times in the past 5 years: Name and present address of Dates child(ren) lived Town and State where child(ren) Person child(ren) lived with with that person lived with that person _________________________________ ____________________ _____________________________ _________________________________ ____________________ _____________________________ _________________________________ ____________________ _____________________________ _________________________________ ____________________ _____________________________
B. Defendant has not been involved in any way in, and has no information about, another court case in any state concerning the custody of the child(ren) except as follows: Protection from Abuse Protective Custody Other (describe what kind of other case)________________________________________ ______________________________________________________________________________ ______________________________________________________________________________
9. (Check all boxes that apply) No public assistance benefits have ever been received for the child(ren). OR Public assistance benefits have been, are now, or will be received for the child(ren). AND Defendant has sent a copy of this complaint to the Department of Human Services at the following address: Support Enforcement Division, Central Office Supervisor, State House Station 11, Augusta, MENNN-NN-NNNN/em>. (A copy must be sent when the child(ren) have been, are now or will be receiving public assistance benefits.) The Department of Human Services has issued a child support order regarding the child(ren). (If such an order has issued, a copy of the order must be attached to this Complaint). The Department of Human Services has been contacted to set up, review, change or enforce a child support order regarding the child(ren).
WHEREFORE, DEFENDANT REQUESTS that a divorce be granted and that the Court; (Check all boxes that apply) Determine parental rights and responsibilities regarding the minor child(ren), including child support; Set apart the non-marital property to each party and divide marital property; Order the alimony be paid to the Defendant by the Plaintiff; Award reasonable attorney's fees to Defendant's attorney; and Change Defendant's name to ________________________________________________.
Now your going to have to modify this using their complaint for divorce and copying the same headings, and case number XXXXX
Where this document used Maine - you use North Carolina.
You just have to follow the format from the Complaint/Summons you were served.
Small little format errors aren't really that consequential when the pleading is filed pro se - they hold attorneys to a different and higher standard.
What you want to make sure of is that you make the Counterclaim for equitable distribution and spousal support/alimony.
As to the divorce - you really can't fight the divorce itself - if he wants it he can and will get it so that's really just a waste of time opposing such. However, if you make the spousal support go on as long as possible before a divorce - that will help you in the short term getting support. After the divorce it turns into alimony and if you should get such depending upon your personal situation and facts.
What you have to fight for now is money - your economical survival now and down the road - so you want to make sure you file the Counterclaim for equitable distribution and alimony.


text:
Why teens should be imaged at Children's Hospital of Wisconsin
I am a radiologist and a mother of three. Over the years I have been asked, "Does a teen belong at a children's hospital?" My answer is always yes. Not only because of the training we receive as pediatric radiologists, … Continue reading →


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America's Next Top Model
America's Next Top Model 17
Exclusive: Laura Kirkpatrick talks 'America's Next Top Model' (Part 2)
By Elizabeth Kwiatkowski, 12/07/2011
Laura Kirkpatrick
became the eleventh girl eliminated from
America's Next Top Model
all-stars edition's eleventh episode during last Wednesday night's broadcast on The CW.
On Thursday, the 22-year-old who previously appeared on Top Model's thirteenth season, talked to Reality TV World about her
America's Next Top Model
experience -- including whether she thought she had the potential to win the competition and how far she saw herself making it, why she regretted telling fellow contestant Angelea Preston that she lacked confidence, and what she plans to do next.
Below is the second half of our exclusive interview with Laura.
Click here
to read the first portion.
Reality TV World: During last week's episode, they showed just a little bit of the blogs you girls had to write and a short conversation between Nigel Barker and Franca Sozzani. Looking back, how do you think your blog came out and would you mind discussing a little what it was about? What was your inspiration?
Laura Kirkpatrick
Oh yeah, no problem. I will not lie. As soon as we started writing our blogs, I completely forgot what we were supposed to write about. So, I was just like, "You know what? I'm just going to make it fun and about Greece."
I figured that had to be something about it. (Laughs) But I just kind of made up this story that was totally fictional about a Greek goddess and how history has to do with her fashion, and then if she came back today as a Greek goddess, what she would wear.
I thought it was really fun to read. It wasn't a true story or anything and I just thought it was fun. I talked a lot about Greece and fashion. I kind of think she liked it, but maybe, it didn't really hit head on what we were supposed to talk about. But like I said, I totally forgot. (Laughs)
I was never good at those kind of assignments in school anyway, so I knew that challenge wasn't for me. She also said I was sexy, and I was like, "I think that's a good thing!" But apparently, they just keep thinking that it might not be the best.
Reality TV World: You came to
Dominique Reighard
's defense during last week's episode when you told Angelea during the "judge your peers" exercise with Miss J. Alexander that she deserved to win the competition least of all the girls because she had a confidence issue and it showed in her modeling performance. Why was it so clear to mostly everyone in the house that she didn't really believe in herself, especially since she strongly argued the accusation aloud?
Laura Kirkpatrick
I think, well one, I didn't know -- I guess there was past history with Dominique and Angelea that I didn't know about, and that's what made it so heated there and all that for them two, which I did not know about or I never would have said anything about it. But we had always said like, "Angelea, you're very beautiful. You need to -- I don't think you know how beautiful you are."
She always knew that I said that to her and in my confessionals and all that. So, that was not a surprise -- me saying that. But I don't know. I think when you live with someone, you pick up on stuff maybe they don't pick up on. We were with each other every single moment of the day for so long, so we kind of know each other better than we know ourselves.
You pick up on stuff and you have deep conversations and I don't really know -- I can't speak for everyone why they thought Angelea maybe needed more confidence, but I know that I was actually kind of close with Angelea and I always told her that, "You're more beautiful than you know."
Reality TV World: After you saw Angelea's reaction, did you regret saying anything at all, especially since you knew you were just being nice and trying to help her?
Laura Kirkpatrick
I only regret saying something at that moment. It wasn't the right time to say something because it was such a really touchy time to say it, because obviously we were on edge and had to judge each other. But I would have said the same thing -- just at a different time.
Reality TV World: When you girls had to rank each other on who deserved to win the competition all the way down to who had the least modeling potential, Allison Harvard was ranked as having the least potential, while you got ranked the highest. However,
Lisa D'Amato
was shown basically saying you only won because you were not threatening competition, while Allison apparently was and so putting her at the bottom helped the other models' cases. What was your reaction when you heard that and would you say the list was accurate in your opinion?
Laura Kirkpatrick
I don't really think those were her exact words, because I don't know. It's not like we got to talk to each other about who we voted for. It wasn't a conscious -- that hadn't been a conscious, planned decision for everyone to vote me because I wasn't a threat.
So, I don't think that's true at all. It's just talk, so I definitely think a lot of the girls respected me as a model because when I first came in, I know Lisa was like, "Who brought this kid in?!" Because I'm short and I do look young and like a little kid, and I'm just sweet and bubbly.
So, I know a lot of the girls didn't really see me as competition, and then they see me actually shoot, and they respected me as a model. I think that's why they voted me as having high potential and Allison, she hates runway. It's not a surprise and she's very open about how she hates runway.
I think maybe that put her in the bottom a little bit, but she's still a great, wonderful model. All of the blogs online say that she is one of the best -- okay, so I guess technically, she has more fans than any
Top Model
ever. So, that speaks in itself alone.
Reality TV World: Was it basically a general consensus amongst you girls then that Allison was less passionate about modeling?
Laura Kirkpatrick
Oh yeah, definitely. I'm really close to Allison too, but I was really close with all the girls because they didn't find me threatening. So they would open up to me. Allison, definitely, modeling is not her number one passion.
She just happens to be good at it naturally. Like with me, maybe I may not be naturally good at it, but I have such a passion for it that I've learned a lot in such a short time. But yes, it's not -- I think a lot of people know that it's not her number one passion.
Reality TV World: Who did you think was your biggest competition while you were on the show and why? I know you said you thought you were going to make it all the way to the end before you got eliminated, so who did you envision yourself standing next to?
Laura Kirkpatrick
Well, I guess I really did think I was going to stand next to Allison. I just know
loved her. I knew
would love her because she's so high fashion, and I really thought Allison had the most potential. I know I voted her most potential on my little card [during] that challenge.
Reality TV World: When I talked to previously eliminated contestants this season, a lot of the girls told me they weren't very happy with how executives pitched the show to them because they thought it ended up being something totally different. Some people thought the show was going to be focused on branding but then turned into the same modeling competition as their prior seasons. What are your general thoughts about that? Did the show end up being exactly what you had expected it to be or were you disappointed with how things turned out?
Laura Kirkpatrick
Well, I see both sides. I went in -- I wasn't told anything specifically. So I went in with a really broad look on it. There was -- I did think a little bit that it was a modeling competition, but at the same time, it's
America's Next Top Model
, which is a competition. So, I just kind of went into it with an open mind and I wasn't really disappointed because I didn't really know what to expect.
Reality TV World: What were your goals for going on
America's Next Top Model
? Do you feel like you accomplished them?
Laura Kirkpatrick
Yeah, definitely. You know, the first time I went, I had a blast. I was a small-town girl and I was doing something that I had never done before and that nobody in my area has ever done before. It was a once in a lifetime opportunity. So then to come on a second time was like huge. I was a working model in LA, but I decided to do it again because I had a great time the first time.
I know a lot of girls go home not thinking so positively about it, but it's what you make of it and just because I had down times on
Top Model
-- all the girls did -- but I still made it into a wonderful experience that I go home with. Now I had a once in a lifetime opportunity twice.
Reality TV World: What are your plans for the near future?
Laura Kirkpatrick
Well, I definitely plan to keep on modeling. I'll do it until they reject me. (Laughs) But I'm starting my own T-shirt brand. Before I was on the show, I was actually an art major, which people don't really know about me. So, I started to put my love for fashion and my love for art together, and now I'm designing all these urban T-shirts.
They're not just T-shirts. They're like all kinds of fashion shirts and I'm really excited about that. I just now started, so it's really small, but people have to hang in there with me until I really grow. But it's something that I accomplished myself and I'm really proud of.
Emily Maynard denies dating 'Most Eligible Dallas' star Matt Nordgren
ABC reveals 'The Bachelor' star Ben Flajnik's 25 new bachelorettes
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'America's Next Top Model' alum Lisa D'Amato welcomes second child live on Facebook
Angelea Preston sues Tyra Banks and The CW over 'Top Model' win
Angelea Preston finally reveals alleged reason for 'America's Next Top Model' disqualifcation, suing
Lisa D'Amato and husband Adam Friedman welcome a baby boy
Lisa D'Amato expecting a baby boy with husband Adam Friedman
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Carly Waddell and Evan Bass announce gender of first child together
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'The Bachelor' couples now: Whom did 'The Bachelor' stars and their final picks ultimately end up with? (PHOTOS)
Kristina Schulman -- 5 things to know about the 'Bachelor in Paradise' bachelorette
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Park Rapids cross-country teams featuring contrasting situations
Kerry Johnson will have to contend with contrasting situations for the Park Rapids boys and girls cross-country teams this season.
The girls have high expectations after finishing fifth at last year's state Class A meet. However, the Panthers can't afford any injuries as only seven runners reported for the first two weeks of practice.
The boys don't have a problem with numbers as 17 runners are competing this season. The return of 11 runners from last season has Johnson expecting an improved season from the boys this fall.
"I'm working with a great bunch of kids. Last year both the boys' and girls' teams earned the silver academic award. I was really proud of that. I know they can go for the gold inside and outside the classroom," said Johnson. "The keys to meeting expectations are to keep working hard, have some positive peer pressure in practice and beyond, and staying injury free. I tell the kids they need to get after it each and every practice. They can't dog it and expect great things. There are so many tough teams in our section. We have many untested runners, so it's hard to know just how they will do. What really matters is the end of the season when we're even better conditioned and have even more eye of the tiger. Then we'll see what we are really made of. I'm excited for the season."
Girls seek another state trip
Having four girls returning from last year's Mid-State Conference champion and state-qualifying team provides a solid nucleus for the Panthers to contend for another state berth this season.
Looking to lead the Panthers back to state are senior Tiffany Deitchler, junior Lydia Lutz, and sophomores Kaylee Hilmanowski and Morgan Olson. Deitchler will serve as captain this season.
Lutz returns as the Panthers' top runner after winning the conference title, placing second at the Section 8A meet and placing 20th overall at the state Class A meet to earn all-state honors. Lutz placed 30th at state in 2007 and 34th at state in 2008.
Olson was the team's No. 3 runner at the conference meet by earning all-conference honors by placing fifth and was the Panthers' No. 4 runner at the section meet by placing 27th. Olson placed 109th overall and was the team's No. 5 runner in her state debut.
Hilmanowski rounded out the Panthers' team score at the conference meet by placing 15th and at the section meet by finishing 30th. In her state debut, Hilmanowski was the team's No. 4 runner by placing 96th.
Deitchler, who placed 69th as a state participant in 2007, placed 16th at the conference meet, 31st at the section meet and 129th at the state meet last season.
The Panthers have three key spots to fill. Victoria Lutz graduated after qualifying for state as an individual and placing 40th overall last season. Summer Ellefson, who was the Panthers' No. 3 runner at the section meet (placing 17th) and state meet (placing 75th), elected not to go out for cross country this year. Sophie Shogren, who was the No. 7 runner at the section meet (placing 49th) and state meet (placing 150th) decided to go out for volleyball.
Looking to fill those spots will be junior Shelby Pierce, sophomore Lora Remus and freshman Alex Pederson.
"As far as expectations go for the girls, they are very high," said Johnson. "We lost some talented girls, so that worries me a bit. The three girls who joined us are doing well and I look to them to get even better as the season progresses."
Staples-Motley should challenge the Panthers for the conference title again this season while defending champion Perham, Warroad and Staples-Motley should join the Panthers as the favorites to claim the two state berths in the section.
"If these girls stay healthy and work hard, they could do quite well," said Johnson. "We would love to make it back to state and try to place even higher. I think these girls can do it."
Boys looking to move up
A year of experience should lead to an improved season for the Park Rapids boys team.
A year ago, the Panthers finished sixth at the conference meet and 11th at the section meet. Johnson expects Park Rapids to move up in both the conference and section standings this fall.
Returning from last year's team are seniors Taylor Kimball, Zac Haugland, Josh Hays, Kevin Merfeld and Matt Sullivan; junior Ryan McBrady; sophomores Jake Waggoner, Jacob Hays and Ben Kading; and eighth graders Isaac Overmyer and Matt Konshok. Sullivan will serve as captain.
Kimball returns as the Panthers' top runner after placing 19th at the conference meet and 47th at the section meet in his first year of running last season.
Haugland was the Panthers' No. 2 runner, placing 30th at the conference meet and 49th at the section meet.
Waggoner also competed in cross country for the first time last season and was the team's No. 5 runner at the conference meet by placing 35th and No. 3 runner at the section meet by placing 76th.
Jacob Hays capped off his first season in cross country as the Panthers' No. 4 runner at the section meet by finishing 81st.
McBrady rounded out the Panthers' section team by finishing 101st as the Panthers' No. 7 runner.
Sullivan and Merfeld rounded out the Panthers' conference team by placing 38th and 39th, respectively.
Looking to challenge for varsity spots are four first-year runners: senior Travis Deitchler, sophomores Tanner Otterness and Nate Carlson, and freshman Bailey Mueller. Eighth graders Adam Mackley and Wesley LaCoursiere are also out for cross country for the first time.
"It's an exciting time for boys in cross country," said Johnson. "The numbers are growing and many of them ran over the summer. That has been one of the biggest changes I have seen. The guys came into the season in better shape. That helps so much. I think these guys could surprise a few teams this year."


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Huawei MediaPad 10 FHD Pictures
Huawei MediaPad 10 FHD is the first tablet announced with HD display - 10.1" widescreen touchscreen with 1920x1200 pixels of resolution and allegedly sports very good colors and viewing angles. The Android ICS tablet will be powered by a quad-core processor and sports an 8MP rear camera and LTE as well. What is even more exciting is that Huawei MediaPad 10 is has included these top-notch specs in an 8.8 mm thin chassis, which is an impressive feat.


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|You are in: UK: N Ireland
Tuesday, 27 August, 2002, 20:13 GMT 21:13 UK
Omagh victim was 'humiliated'
Another woman injured in the Omagh bombing has said she felt humiliated while being examined by lawyers in her compensation claim.
Twenty-nine men, women and children died and hundreds were injured when the Real IRA detonated a car bomb in the County Tyrone town on 15 August 1998.
Mary Ellis was injured in her shoulder and leg and her eardrums were perforated.
She said she had to appear before a group of lawyers in her underwear, adding that one moved her bra strap for a better look at her shoulder.
"I went into this small room and stripped to my knickers and bra.
"All of a sudden I saw this drove of men men coming through the door," she said.
"One of the men pulled my bra over my shoulder down to my arm. I felt so bad that day I didn't want to go back.
Because of the experience at the High Court in Belfast, Mrs Ellis said she did not want any compensation but later accepted the first offer she was made.
Four years after the Real IRA attack she still suffers pain.
Her comments on Tuesday come a day after another Omagh bombing victim described a similar ordeal.
Rosemary Ingram, 53, had to strip in front of a group of six lawyers.
The 500lb car bomb, the single worst attack in Northern Ireland in over 30 years of the Troubles, left her with scars on her legs and back.
While being assessed for compensation, a panel of six lawyers - three men and three women - asked her to strip to her underwear in front of them to see those wounds for themselves.
Victims have been calling for a change in the procedures used when lawyers decide compensation pay outs.
Victims Minister Des Browne said he would investigate claims by some victims that they were treated "appallingly" by the Northern Ireland Compensation Agency.
"My understanding is that this practice, in looking particularly in looking at scars, is a practice that has been developed among lawyers and is long standing," he said.
"This procedure will not apply in criminal injuries compensation claims from now on."
The Northern Ireland Office said the greatest possible care was taken in assessing compensation and it recognised that it was a sensitive and painful issue for all concerned.
See also:
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Non-Firing Western Revolver Maintenance???
hey i took apart my non-firing replica western revolver last night because it was not working smothly.... i cleaned it up, much to my dismay there was alot of dirt in the internals :mad: ... i cleaned all of it up and lightly lubed it but i must say i forgot to see where everything was before i took everything apart....actually some of the springs went flying across my shop... fortunatly i found all of them BUT... i cannot figure out how to, and where to put the parts together at i know where and how to put the cylinder and the tringer and the hammer... but i have 2 springs and one part that conects to the hammer that locks the cylinder at full cock.... so i just need a basic layout of how and where to place all of my parts.... id be much obliged for any insight and info... thanks:)
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Near East Side Resident Describes Repeated Vandalism
A resident of the city's near east side described on Saturday how his car has been repeatedly vandalized.
Kevin Ulrich said he has had to replace windows in his car three times since moving to N. Monroe Ave. nine months ago. The most recent incident occurred the morning of May 5.
"There was all kinds of glass, debris, they opened up my console and dumped everything out of there," Ulrich said.
Ulrich said several of his neighbors have also had their cars broken into during his time living there.
"I can't believe that someone will actually take the time and actually vandalize someone's car to try to get something out that they may not get anything," said Ulrich.
He said the crimes have not been limited to smashing into cars. Ulrich said his 11-year-old son's bicycle was stolen off of their front porch.
My son, when he's with me, that's my number one priority. Coming to him and telling him that his bike got stolen is frustrating," Ulrich said.
He said he was not going to take chances with the safety of his son, and would be moving at the end of May.
Ulrich blamed the crimes on heavy foot traffic between E. Broad St. and E. Long St.
Watch 10TV News and refresh 10TV.com for more information.


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One big reason General Electric's (NYSE:GE) stock price has been heading higher recently is because it is moving its center of business to different emerging markets for greater profitability in light of its current emerging markets becoming less profitable. Due to increased prices of raw material input and labor costs in China, General Electric sees more profitable opportunities from other emerging markets. I say this because Latin America is seen as General Electric's chief engine of growth, with revenue from its industrial base increasing 36% compared to China's increasing 29%. General Electric does not want to give up a profit margin or 7% of more. I also see General Electric's business diversification, entering Australasia, Africa and the Middle East markets, is taking place due to available local lower labor and raw material costs.
I think General Electric's stock value is going to rise because the United Kingdom's North Sea is has undergone recent discoveries of huge reserves of oil and gas under the seabed. According to reports, this new "oil and gas" rush is prompting an increased demand for sub-seabed engineering solutions. These solutions are needed to mitigate and keep material, machines and workers safe. Because production of both oil and gas in the North has been precipitously declining since 1999, the new discoveries give new life to Britain's oil and gas industry with approximately 20 billion gallons of oil still to be recovered.
The North Sea is having an oil and gas "mini-boom" through its discovery of new, untapped fossil fuel underground. This discovery will in-fact give General Electric a financial boom because it indirectly and directly affects other companies. It directly and positively impacts drilling corporations including Transocean Limited (NYSE:RIG) as well as Diamond Offshore Drilling (NYSE:DO) because General Electric provides the engineering design-work. By providing finished materials such as piping, engines, and other drilling materials, General Electric stands to profit the increased business. As many in Britain and elsewhere have found out that this new discovery will keep the oil and gas industry going in this part of the world, General Electric has many years, if not decades of consulting and material creating and delivery profits.
In addition to the exploration and pre-drilling and drilling related services General Electric provides, many oil companies will use its refining and data management programs. Along with its inspection and engineering solutions at refineries, General Electric provides services and technical know-how which regulates everything from transporting oil from the ground to tankers to the moment energy is pumped into consumers' cars and homes. Since energy companies such as Petrobras (NYSE:PBR) and Exxon Mobil (NYSE:XOM) use and must replace parts involved in exploration, shipping, and retailing energy, General Electric will benefit because it is a world-wide and competitive supplier of these parts.
Potential Impact From Litigation & Product Recalls
While there has been serious litigation and potential product liability through product recalls, I believe General Electric's diversified business operations will insulate it from a loss. I say this because there are unproven allegations along with the lawsuit not directly impacting consumers. The Bank of New York Mellon sued General Electric's Mortgage Division because they alleged General Electric misrepresented the "nature, characteristics, history and quality" of the loans sold to Bank of New York Mellon. The lawsuit is seeking to compel General Electric to repurchase its loans back from the Bank of New York Mellon. This might be very deleterious for General Electric's business relationships because the lawsuit might potentially damage its reputation. But, these are only allegations that have yet to be proven. Therefore, if the allegations are believed to proven true, or before a final judgment is made, a settlement may be reached to save General Electric's reputation. If the allegations are believed to be determined to be untrue, General Electric still might settle so the media does not distort the lawsuit and paint General Electric in a bad light.
I anticipate the lawsuit that General Electric is facing from The Bank of New York Mellon will not have any effects on profits because of the lawsuit's circumstances and parties. Since the plaintiff is the bank and not one of the actual holders of the residential mortgages, it has not received nearly as much attention in the media. Unlike other lawsuits such as Taco Bell's parent company Yum! Brands (NYSE:YUM), which has received national news coverage because the beef's integrity was questioned as being genuine, this story has only received coverage in financial journals and news outlets. Therefore, I think that because there is less exposure and the parties to the lawsuit are not customers of General Electric, there is a lower chance of General Electric's profits being hurt.
Therefore, based on my analysis that General Electric is shifting its primary centers of business to hotter markets and its litigation has minimal exposure to customers that contribute to its profits, General Electric's stock price is poised to climb higher in the coming weeks and months.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.


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Nasty Nate: Karns Dominates Again in Potomac Win
Seventh Straight Win for Karns who Tossed Six One-Run Innings
July 26, 2012 6:00 PM ET
Potomac opened the scoring with three runs in the fifth inning against Lynchburg starter Aaron Northraft who leads the Carolina League in strikeouts. Kevin Keyes doubled with one out. Michael Taylor reached on a low throw to first by Nick Ahmed that was ruled an error with Keyes scoring all the way from second on the play to make it 1-0 Nationals. Potomac scored two more runs on back-to-back doubles by Adrian Sanchez and Ricky Hague to increase the lead to 3-0. All three runs scored by Potomac were unearned.
Nationals starter Nathan Karns had faced just one over the minimum until the sixth inning when he ran into his first trouble of the contest. Emerson Landoni hit a solo homer over the left-center fence to bring Lynchburg within 3-1-- Landoni's second homer of the season for Lynchburg.
It was the first homer yielded by Karns in over 57 innings with Potomac. The run also snapped a 19 1/3 inning scoreless streak by Karns.
But the P-Nats bullpen tandem of Adam Carr and Neil Holland would shut the door with three scoreless innings in relief allowing just two base runners. Holland pitched the ninth for his fourth save in four chances.
Karns (7-2) has won seven straight decisions over his last eight starts with Potomac. He recorded seven strikeouts while walking one over six innings. Northcraft (8-8) took the loss despite not giving up an earned run. He struck out seven and walked just one over five innings.
Over the series, Potomac scored 14 runs with just three of them being earned in four games.
Tomorrow at 7:00 PM the P-Nats start a three-game series in Maryland against the Frederick Keys with RHP Adam Olbrychowski (4-8, 6.59) getting the start. The Nationals return home for a three-game set with the Salem Red Sox on Tuesday, July 31st. The Potomac Nationals are celebrating their 35th Anniversary of professional baseball and family fun, for all your ticket needs please visit www.potomacnationals.com.
This story was not subject to the approval of the National Association of Professional Baseball Leagues or its clubs.View More


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Hushcloth® Acoustical Foams are designed to provide maximum absorption of airborne sound with minimum thickness and weight. These flexible polyurethane open cell foam products are manufactured to optimize pore size, air flow resistance, and density.
Hushcloth® materials are a range of acoustical foams with a varied of profiles, facing materials and flammability properties.
Spaced Absorbers combine absorption and sound barrier properties in a series of unique and novel products which have the common property of being self supporting in their application.
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Whispermat™ Sound Barrier Materials
Barrier Materials are a range noise control materials specifically designed to achieve maximum attenuation over a broad frequency range. Whispermat™ combines dense, limp, flexible non- lead loaded barriers with Hushcloth® foams providing a total noise control system.
Barrier only - High density flexible vinyl sheeting that can be used as a lead free non-reinforced barrier septum.
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Viscoelastic inner layer for incorporating into a FRP laminate for built in constrained layer damping
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dBRock is a viscoelastic material in combination with a Whispermat™ barrier layer for added mass to improve the sound transmission loss particularly at mid to high frequencies that can be used to bond panels together, providing constrained layer damping to sheet rock walls and hardwood floors.


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Laser X-ray demo spurs hope for better imaging
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Peterborough, N.H. - The production of laser-like radiation at X-ray wavelengths has been achieved for the first time in a collaborative effort among the Max Planck Institute for Quantum Optics, the Vienna University of Technology and Germany's Universities of Wurzburg and Munich. Not only was the beam of photons coherent, but the researchers suspect that it may also have been the shortest pulse ever achieved: 0.1 femtosecond, or 100 attoseconds.
The experiment, led by Ferenc Krausz at the Max Planck institute, produced the radiation by striking helium atoms with 700-nanometer laser light, which then emitted coherent X-rays at 1-nm wavelength. The same technique has been used to create coherent radiation in the extreme-ultraviolet range (10-nm wavelength), but previous attempts to push the experiment to X-rays hit a wall. The laser light striking the helium atoms causes their electrons to oscillate, which in turn stimulates the emission of the shorter coherent radiation. To get to shorter wavelengths, more energy is required, but that in turn tends to tear the electrons from their helium nuclei, destroying the effect.
The new experiment got around that barrier by using shorter pulses, down to 5 fs, to let the electrons emit the X-rays before they are affected by the intensity of the beam.Toward practical apps
The researchers hope to enhance the experiment to yield a practical source of laser X-rays. The new form of X-ray would be a boon to medical imaging, since it would enable higher-resolution-image capture with far less intense beams than current X-ray systems use. The laser radiation would also allow imaging of soft tissue and could be used in other applications, such as microscopes that could resolve individual biomolecules.


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Imaginations Photographer
Darren KaneModel Male Ontario, California, US
My Website: FacebookMy MM URL: http://www.modelmayhem.com/sonofsalmon
Mayhem # 1084402
About Me
I am an artist who likes to express himself through various outlets. Although most of my experience lies in drawing and painting, I don't see modeling as being all that different. Just like any art form, it has the power to capture fragments of a person's spirit, to provide them with a means of communication and self discovery. I'd like to take my modeling as far as it can go and, with it, add more pieces to the mosaic of who I truly am and have the potential to be.
- Darren
I do TFP/CD.
Have you worked with Darren Kane? Add Credits for Darren Kane! >>
Credit Notes
I've worked with:
Derrick Demolition #1933185
Crystal Tears Photography #1615546
Alex Hemmerich
Jerry Cook #889381
Yellow Bubbles #1664956
Harajuku Marshmallow #1213402
Mourya Dandu #2354548
Red Photography #1908782
Aliona Kuznetsova #1482847
Carmilla Jo #2235512
ElexieL Grae #858830
Roezi Rebel #896820
Visual You Fashion Game Show (Fanime Con 2010)
Visual You
Prince Noir Design #2329668
Wysterium Wear #786856
Imaginations Photographer
Burlap and Light Photographer
Rip Williams Photographer
Eric Williams Photo Photographer
Daniel Migukov Retoucher
M A C H A Makeup Artist
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Buy Moon Living Abroad in Spain
Second Edition, October 2009
Pages: 360
Price: $19.95 USD
Price: $9.99 USD
Moon Living Abroad in Spain
Candy Lee LaBalle possesses unique experience in moving to Spain—her first attempt led her to return to the U.S. for three years, before trying again (this time, successfully) in 2003. Becoming immersed in the language, culture, and bureaucracy of Spain, Candy has made her home amongst Spanish friends, with a career in English consulting. In Moon Living Abroad in Spain, Candy helps newcomers navigate the ins and outs of relocating to this diverse country.
Moon Living Abroad in Spain is packed with essential information and must-have details on setting up daily life, including obtaining visas, arranging finances, and gaining employment. You'll get practical advice on education, health care, and how to rent or buy a home that fits your needs. The book also includes color and black and white photos, illustrations, and maps—making the moving and transition process easy for businesspeople, students, teachers, retirees, and professionals.
Here's what author Candy Lee LaBalle loves about Spain:
- A fine glass of Ribera del Duero vino rarely costs more than $2.
- No one thinks twice if you have a glass or two of Ribera del Duero during a workday lunch.
- When nightclubs play old Spanish pop everyone sings along with frightening enthusiasm.
- The more trash—napkins, toothpicks, olive pits, shrimp shells—on the floor of a tapas bar, the better the food.
- Bullfights are described in the Arts Section of the daily papers with language approaching poetry.
- A tortilla español may look simple, but there is an art to making a good one.
- Spaniards really do work to live, not live to work: consider 30 days annual paid vacation, over a dozen long weekends per year, four months maternity leave.
- Bad wine is easily fixed—add gaseosa (sweetened soda water) and you have tinto de verano—the wine of summer.
- Toast topped with olive oil and salt is a perfectly normal way to start the day.
- Greeting everyone as you get on an
ascensor (elevator) and saying goodbye when you get off.
- The legions of house-coated señoras who mop the cobbled sidewalks in front of their houses every morning.
- The fondo, a communal pot of money that friends contribute to when they go out—the money is used to pay for everyone's drinks.
- The number one flavor of potato chips is jamón (cured ham).
- Balancing a plate of tapas and a caña (small draft beer) while standing back-to-elbow in a crowded bar is not as hard as it seems.
- Deep-fried food is healthy as long as it is deep-fried in Spanish aceite de oliva (olive oil).
- Companies dole out massive goodie baskets at Christmastime jammed with half-a-dozen pork products and several bottles of Spanish wine.
- Listening to Manu Chao and watching the sun set over the Atlantic at a chiringuito—a ubiquitous beachside shack serving drinks, food, and beats right on the sand.
- The loofah-like quality of towels left to dry on a line in the Spanish sun.
Candy Lee LaBalle
Since moving to Madrid full-time in 2003, Candy Lee LaBalle has picked olives in Andalucía, stomped grapes in La Rioja, danced in the streets during Carnaval in Cádiz, white-water rafted in the Pyrenees, and eaten pulpo (boiled octopus) in Galicia. Along the way, she found her creative spirit. She has contributed articles about Spain to several publications, and is also the author of Moon Spain.
A sixth-generation New Orleanian, Candy did a stint in the army in West Germany, earned a degree in cultural anthropology, became part of the underground arts scene of inner-city Detroit, and was a party planner in Boston. She arrived in Spain on a whim, looking for a few weeks of adventure and a taste of la vida española. Instead, she fell madly in love with the country and stayed. More recently, she fell in love with a Spaniard and now lives la vida familiar in the suburbs of Madrid with her husband Alfonso and son Ian.