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You Can Help With Snow Removal-- Winter Preparedness Tips
The state and the county do not clear snow and ice from public walkways (sidewalks and trails). While not legally obligated, residents and businesses are asked to help keep sidewalks safe. They should, as soon as feasible, clear snow off the sidewalks in front of their property so that all pedestrians, especially school children, those with disabilities and the elderly, may walk securely. Homeowner associations may require members of their communities to clear walkways abutting their property. Contact your association or property manager for further information.
10 Simple Steps to Help With Snow Removal
1. Start a neighborhood team to help shovel snow for elderly and
those unable to shovel.
2. Residents and businesses should ensure all accessible parking spaces for people with disabilities are cleared of snow and ice.
3. Don't put trash cans and recycling bins out until after the plows have come.
4. If possible, remove parked cars from the road. Navigating around objects severely hampers a plow or heavy equipment driver's ability to clear the roads and costs valuable time.
5. Clear snow away from fire hydrants in your neighborhood. Ask neighbors to adopt a fire hydrant and clear snow and ice away from all hydrants so that they are easily visible in the event of a fire.
6. Shovel snow into the yard instead of into the street to minimize the problem of the snowplow covering your driveway with snow after you've just shoveled it.
7. Keep the openings of storm drains clear of snow and debris to help alleviate potential flooding and to protect the environment. (At no time, however, should a resident attempt to enter a storm drain to remove debris.)
8. Remove all portable basketball hoops from the road when possible.
9. Volunteer to use equipment you may have such as small snow blowers for a community removal effort.
10. Driving on snow is dangerous and packs the snow into compact sheets that turn to ice, making it much harder and more expensive to remove. If possible, don't attempt to drive before the plows come to your neighborhood.
More Information


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The Sewerage & Water Board issued a precautionary boil water advisory for the East bank of New Orleans, including the Lower 9th Ward and New Orleans East, due to a drop in water pressure.
eGov Services • 1300 Perdido St, New Orleans, LA 70112 • (504) 658-4000
Home » Mayor's Office » Press Releases » 2012 » 20121219 Mayor Landrieu, City officials and Hospital Service District Board to commence construction
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NEW ORLEANS, LA — Tomorrow, Mayor Mitch Landrieu, City officials and the Orleans Parish Hospital Service District "A" (HSD) Board will break ground on the $130 million New Orleans East Hospital project. When open, the full-service hospital will support many New Orleans residents and will provide economic revitalization to the New Orleans East community.
WHO: New Orleans Mayor Mitch Landrieu
Hospital Service District
Archbishop Gregory Aymond
City Officials
Elected Officials
WHEN: THURSDAY, December 20, 2012
WHERE: New Orleans East Hospital
5620 Read Boulevard
(The site of the former Pendleton Memorial Methodist Hospital)
Last updated: 5/18/2016 2:33:23 PM

subset: commoncrawl


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This Promotional Seven-In-One Game Set includes seven games packed in convenient sturdy promotional wooden case.
Take time to unwind at home or in the break room with this fun Fireside 6-in-1 Promo Multi-Game Set featuring 6 classic games.
No need for a game room when you can take this fun foosball desktop logo game with you anywhere you go!
Associate your brand with the game that's sweeping the world with the Promotional Electronic Handheld Sudoku Game.
This attention-getting Wooden Mental Block Promotional Puzzle focuses people's attention on your logo! Six imprints for the price of one.
Perplexia Promotional Master Wooden Pyramid is a brain-bender that requires assembling solid wood blocks into a three-dimensional pyramid.
A water globe promotional puzzle where all you have to do is get the golf ball on the tee. Which is not as easy as it sounds.
Show off your winning attitude with this top-quality 300-Piece Promo Poker Set in Aluminum Case!
Executive Solid Wood 500-Piece Promotional Poker Set in solid wood showcase comes with with two decks of playing cards and imprinted poker chips.
Promotional poker set packed in elegant wood box with metal security latch.


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It has been a week, and it has cost coach Monty Williams $25,000, but the Hornets and forward Anthony Davis are now putting the concussion he suffered in the team's second game behind him. Williams told the media after shootaround on Friday that Davis will return to the starting lineup for tonight's game against the Bobcats.
Davis suffered a mild concussion in the first half when he was inadvertently elbowed by fellow rookie and teammate Austin Rivers. Williams told the media that Davis felt well enough to play, but the NBA's new concussion policy—instituted last December—prevented his return until he had passed a series of protocols. Williams was critical of those protocols, and was fined by the league for it.
Davis, the top pick in last year's draft, had a successful debut game against the Spurs, scoring 21 points with seven rebounds. He had eight points, six rebounds and two blocks in 14 minutes when he left the Utah game last week.
Williams also told reporters that Rivers, who missed Wednesday's game with an injury to his left index finger, would be in the starting five tonight, too. Rivers has struggled in his three games to date, averaging just 6.0 points on 20.0 percent shooting.


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An unknown sphere, more real than I dream'd, more direct, darts awakening rays about me -- So long!
Whitman's friend and fan William Sloane Kennedy wrote in 1923:
Remember my words -- I may again return,
I love you -- I depart from materials;
I am as one disembodied, triumphant, dead.
The salutation of parting -- 'So long!' -- was, I believe, until recent years, unintelligible to the majority of persons in America, especially in the interior, and to members of the middle and professional classes. I had never heard of it until I read it in Leaves of Grass, but since then have quite often heard it used by the laboring class and other classes in New England cities. Walt wrote to me, defining 'so long' thus: "A salutation of departure, greatly used among sailors, sports, & prostitutes -- the sense of it is 'Till we meet again,' -- conveying an inference that somehow they will doubtless so meet, sooner or later." ... It is evidently about equivalent to our 'See you later.' The phrase is reported as used by farm laborers near Banff, Scotland. In Canada it is frequently heard; 'and its use is not entirely confined to the vulgar.' It is in common use among the working classes of Liverpool and among sailors at Newcastle-upon-Tyne, and in Dorsetshire. ... The London Globe suggests that the expression is derived from the Norwegian 'Saa laenge,' a common form of 'farewell,' au revoir. If so, the phrase was picked up from the Norwegians in America, where 'So long' first was heard. The expression is now (1923) often used by the literary and artistic classes.


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See http://www.accesstoinsight.org/lib/auth ... el277.html for Bhikkhu Bodhi's text analyzing the Sutta in detail.
I was inspired by the waterfall about 100 m away from Dhammapala monastery, and I made this video with Sutta quotes:
Dhammas flowing over into dhammas
Transcendental Dependent Arising - Upanisa Sutta, the "Discourse on Supporting Conditions".
Then also there is a new video with Bhante G:
Supporting Meditation
Bhante Gunaratana on the Upanisa Sutta (A 11), the holistic approach to supporting meditative development through cultivating virtue.


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Once again, Vance Publishing Corporation, parent of AgProfessional, Dairy Herd Management, Drovers CattleNetwork, PorkNetwork and Bovine Veterinarian, wants to recongize the industry's young leaders who help meet the challenge of feeding the world's projected population of 9.1 billion people in the year 2050.
Nominees can come from any agricultural sector of production to biotechnology and university research.
To be eligible, individuals must be nominated by a colleague or fellow professional active within America's food system. Nominees must be 40 years or younger by July 30, 2014. Deadline for nomination is July 31, 2014.
This year's award winners will be announced in September and will be featured in Vance publications.
For more information or to nominate an individual, visit http://40under40ag.com.


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Message from the Chief of Police
Welcome to the Texas A&M University-Texarkana Police Department web site. Thank you for taking the time to visit. Hopefully, you'll find some useful and interesting information.
The A&M-Texarkana Police Department is committed to providing excellent police services to all members of the campus community. In order to do that we're providing well trained, State certified police officers whose main goal is to protect, serve and educate the population of A&M-Texarkana.
The University Police Department will do everything in its power to enhance the quality of life on campus in order to make it a safe place to live, learn and enjoy campus life. The Police Department can't do this alone however. In order to maintain a safe campus environment for everyone, it requires the commitment of every student, staff and faculty member. We cannot do our job effectively without the help and support of the campus community.
I think you'll see by comparing A&M-Texarkana to other universities that we have one of the lowest crime rates of any four-year residential university in the State. We have a small but dedicated staff of officers.
After you browse our site, please feel free to contact any of my listed staff and offer suggestions, concerns, or comments. If you need to speak to me personally about something, you can reach my office by dialing 903-223-3114. Remember, UPD is here to serve you and is available 24 hours a day.
Alex Serrano
Chief of Police


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Nothing will add a the look and sound of power to your Power Stroke like a set of Smokers from MBRP. MBRP turboback single and double stack Smokers for your 6.0, 6.3 or 7.3 liter Ford Super Duty truck are available in both stainless or aluminized steel and with or without stacks so you can customize the look of your truck to any taste. MBRP even gives you the options of a single or double stack configuration! Whether you wan straight, slash cut or Aussie style stacks, you can bet that MBRP Smokers will transform your plain old truck to a snorting, growling, smoking monster. The faint of heart need not apply!
Features & Specs:
- Deliveres rich, mellow exhaust note
- Available in single or double outlet
- Fully customizable, available with or without stacks
- Available in T409 stainless steel or aluminized steel
- Compatible with a wide range of stack designs
- Please Note: Smoker kits are turboback systems and will delete the factory catalytic converter
Nobody has reviewed this product yet! Want to be the first one?


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Joan Smalls
Best known for her work with clients like Burberry, Gap and Gucci, and designers such as Oscar de la Renta and Diane von Furstenberg, she was featured in the spring/summer 2011 advertising campaigns of Roberto Cavalli, Gucci and Stella McCartney. Oh, did we mention she's also been the face of Estée Lauder, has been modeling for Victoria's Secret and is the co-host of MTV's fashion series, House of Style.
AppealAs a Puerto Rican native, Joan Smalls has a smooth, exotic complexion that is perfectly accentuated by her piercing eyes and pouty lips. Throw in a pair of long legs, a slim model figure and a smile that could supply electricity to a small country, and you have a recipe for sexy trouble. That said, trouble is part of the Joan Smalls vocabulary. A lady who describes herself as strong, humorous and loving, she enjoys a low-key industry profile (read: no known eating disorders, drug scandals or sexual shenanigans) and prefers to spend her nights meditating rather than partying.
When she's not busy enjoying some quiet time in her New York City dwellings, Smalls voyages back to Puerto Rico every chance she gets. One of the reasons she enjoys returning to her homeland is that it allows her to visit her favorite spots -- the beaches of Pinones, which are quiet, spacious and romantic. There are few things in life that would be more enjoyable than a beach picnic with a model, but Smalls already has her beach dates reserved for her boyfriend, so the rest of the guys are out of luck.
SuccessUp until recently, Joan Smalls had the reputation of being a relative newcomer with catwalk and print experience for companies like Ports 1961, Liz Claiborne, Diane von Furstenberg, Oscar de la Renta, and Nordstrom. Occasional editorials in Cosmopolitan and V as well as a Ricky Martin music video were a few of Smalls' other industry projects, but nothing in her portfolio suggested she would ever take things to the next level.
The switch from Elite Model Management to IMG Models has provided Smalls with opportunities to begin building the lucrative and rewarding career she's been keen to have since her earliest days in Puerto Rico. Since making the change, she's formed valuable partnerships with Estée Lauder, Gucci and Givenchy and landed a cover shot for WWD in May 2010 that led to her being photographed for editorials in the January 2011 American issue and February 2011 Paris issue of Vogue. Not only has Joan been walking for Victoria's Secret since 2010, but she's also become the host the MTV series House of Style. An honor of the highest order, Joan appeared in Beyonce's 2013 video for her song "Yonce." That same year, Forbes ranked her as the 8th highest-earning model.
Joan Smalls Biography
Joan Smalls (Joan Rodriguez) grew up in Puerto Rico, where she discovered modeling by way of television. Originally using the TV to watch Sesame Street while sandwiched between her two pet dogs, Smalls later gained a healthy addiction to fashion-related shows. Frequent comparisons of her body type against the models on the tube convinced Smalls that she could make it in the industry, while an episode of E! True Hollywood Story provided her with enough industry insights to believe that a modeling salary could mean a better life for her and her family.
In 2007, Smalls jumped ship from Puerto Rico to New York City, where she promptly found professional representation with Elite Model Management. From there, she was chosen by Tory Burch as a fall show headliner, something she would also do for Heatherette, L'Wren Scott, Tracy Reese, and Benjamin Cho. Besides a gig for Liz Claiborne that would see her in a print campaign with Anouck Lepere, Smalls' biggest exposure that season would come from modeling the new Nordstrom catalog as well as being the closer for Ports 1961.
joan smalls works with ricky martin and oscar de la renta
On the heels of her fall appearance for Ports 1961, the company chose Joan Smalls as its new face in 2008. The subsequent ads featured the model's naturally exotic features contrasted against a desert background, and she later represented the company in its Fall 2008 New York show. At the same show, Smalls also teamed up with the likes of Sass & Bide and Diane von Furstenberg before landing her first major magazine editorial for Cosmopolitan. Shortly thereafter, she hit the music circuit with an appearance in Ricky Martin's music video for "It's Alright."
In June of 2008, Smalls graced the cover of the American magazine Bond -- her first cover shoot as a professional model. The momentum of this appearance led to a special editorial in V to highlight the beauties of Elite Model Management and also carried over to the runway, as Smalls found an industry ally in the Oscar de la Renta label. The prestigious designer's label hired her to flaunt its ready-to-wear collection for spring/summer 2009 and its pre-fall 2009 line. In addition to this work, Smalls would again walk for Ports 1961 while also wearing the clothes of Harlan Bell, Sophie Theallet and Rachel Roy.
joan smalls models for givenchy and gucci
Before 2009 was over, Joan Smalls made one of her most important career moves by switching her representation from Elite Model Management to IMG Models. Having been on the brink of true modeling stardom for several years, this move paid off immeasurably in 2010 when Smalls was chosen by Givenchy's creative director, Riccardo Tisci, to appear as an exclusive in the company's spring Paris couture show.
Suddenly the demand for Smalls increased tenfold and in the spring of 2010, she walked no less than 40 industry shows, with fashion stalwarts like Gucci, Prada, Burberry, Valentino and Yves Saint Laurent making requests for her services. Smalls received another vote of confidence when Gucci and Givenchy both hired her as a face for their 2010 campaigns. She returned to the Paris runway in the summer of 2010 for Givenchy and also for Christian Dior and Jean Paul Gaultier.
The increased runway exposure for Smalls was matched by a number of high-profile magazine shoots in 2010. Under the lens of industry-praised photographer Steven Meisel, she was photographed for an editorial in the April 2010 issue of Italian Vogue, which was followed a month later with a second editorial put together by Patrick Demarchelier for German Vogue.
Finally, Smalls added another crowning achievement to her substantial 2010 accomplishments with a group cover shoot for WWD with fellow beauties Tatiana Cotliar, Ilvie Wittek and Hind Sahli. It was a fitting career surge for the Puerto Rican beauty and an exemplary sign of great things to come.
joan smalls catapults to stardom
Now, after years in the industry as a successful commercial model -- and after lending her irresistible legs and pout to a number of the top names of the fashion world -- Joan Smalls continues to make serious headway into high fashion. She was named Paris Fashion Week's Top Model and made AskMen's Top 99 Most Desirable Women 2011 list. She became the face of Estée, continued to appear in multiple Vogue and W editorials and is currently ranked as models.com's No. 1 model. In January 2014, she graced the cover of Elle Magazine, causing many to call her a true "supermodel." We're not going to argue with that.


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PQI & G. Skill: New Choices in 2-2-2 Memoryby Wesley Fink on October 9, 2004 11:35 AM EST
- Posted in
- Memory
PQI 3200 TurboPQI is another new name in memory at AnandTech. PQI has US Offices in Fremont, CA and offers a full line of memory products, including flash memory manufactured by the parent PQI Corporation. More information on product line, the lifetime warranty on memory, and the company itself is available at www.pqimemory.com.
The PQI 3200 Turbo comes in a wrap-around bubble package that stands out from the standard memory packaging.
Test DIMMs were a matched pair of PC3200 512MB modules. Like most other 2-2-2 rated DDR400 memory, the PQI is based on Samsung TCCD memory chips.
PQI 3200 Turbo Specifications
|PQI 3200 Turbo Memory Specifications
|Number of DIMMs & Banks
|DIMM Size
Total Memory
|Rated Timings
|2-2-2-5 at DDR400
|SPD (Auto) Timings
|Rated Voltage
10 Comments
View All Comments
adamofwales - Thursday, November 11, 2004 - linkI am considering purchasing a matched pair 1024MB total, of the PQI Turbo 2700, 2-2-2-5 timings, (PQI2700-1024DAL) and I was wondering, do you think that it will overclock as well as the 3200 with the same timings? I read somewhere that the PQI 2700 Turbo 2-2-2-5 512x2 will run at 2-3-2-5 at 3200 speeds.
What do you think?
Wesley Fink - Saturday, October 16, 2004 - link#3 - We have NEVER implied you need an FX53 to review memory. We have , however, stated the need for a standardized memory test bed and the FX53 is the CPU we have chosen. The trends over spped would apply to any Athlon CPU since they are all unlocked below the stock speed.
Others - We are planning a Value RAM roundup in the near future - after the huge number of new equipment launches for the rest of October. Since every memory vendor now has a Samsung TCCD memory it should be clear that TCCD is now at the top in almost everyone's mind. Samsung TCCD chips are also expensive, which is why we have reviewed alternative brands based on those chips. Reply
MadAd - Thursday, October 14, 2004 - linkyup, i have to agree
Its difficult to complain at the tremendous quality of memory reviews here at AT but I too believe it would be useful to have a catchup on how the other half of the memory market is shaping up.
If it was a case of 'this months exculsive is next months mainstream is a 6 months time bargain' like gpu/cpu/etc then it wouldnt matter so much, but its not, leaving a gap in the product review landscape.
Infact, what is value ram at all these days? Lower speed binned chips from a recent stepping silicon (like gpu) or seperatly RND'ed low cost engineering or even lower purity processes?
You see, theres an article in the making already :) Reply
CalvinHobbes - Tuesday, October 12, 2004 - linkI'd love to see a comparison of cheaper memory as well. I'm in the market for some new ram and I just want to know if I can spend $170 for 1GB or is it really worth while to spend the $245+ for the 2-2-2 stuff. Reply
Zebo - Monday, October 11, 2004 - linkSup Concillian;):P
It's almost like AT only reviewing FX's and EE's on the processor side.
I really feel AT is doing a diservice to the community by continually pimping this overpriced RAM in every review. Even for overclcokers this holds true, since much budget ram scales the same as the boutique ram when pushed..albeit with mybe a little looser timings and a little slower.
But sure as heck ain't 100% slower to justify boutiques ram 100% price premium. Especially when most users are on fixed budget and thier money is better spent on a better video card, more HD space or something else.
But comming to AT, as a builder, you'd think this overpriced RAM is your only choice since that's all they like present and are getting your budget jammed on the front end for almost nothing in return.:( Reply
Zebo - Monday, October 11, 2004 - linkWould you guys *PLEASE* test some budget ram like crucial 8T to show what a ripoff this boutique stuff is price/performance wise? Reply
Concillian - Monday, October 11, 2004 - linkIt is very interesting to see the very high performance results of the best memory out there. However, I feel it would be useful to compare this to some of the common forms of value memory.
As a consumer about to go spend hard earned dollars on a new motherboard/CPU/RAM, the question I ask myself is:
Is it worth it to spend the bucks on super fast memory, or do I spend about HALF and get decent PC3200 CAS 2.5 value memory from the likes of OCZ, Mushkin, or Corsair and use a memory divider when overclocking an A64.
In reality, the typical memory showcased here on Anandtech is very expensive, roughly twice the price of typical value memory.
When you can get an A64 2800+ and motherboard for around $200, I can't be the only one questioning whether $250-$300 just on a gig of memory to overclock a $200 mobo/CPU combo, when closer to $150 may work almost as well. I can't help but wonder if the extra ~$150 (or a nearly 40% increase in cost of the total package mobo + CPU + 1gig RAM in this case) is really worth the system performance. Reply
Uff - Monday, October 11, 2004 - linkThis is the second memory test that claims that you need an FX-53 to test memory speed because it's completely multiplier unlocked. I don't see you going above the multiplier 12 anywhere in these tests, thus you could do the exact same thing with 3400+ (2.4GHz version), 3700+ or 3800+, as all the AMD CPUs are multiplier unlocked downwards.
Secondly, do you have any further information on the Corsair 2-2-2 sticks? My own tests have shown they can barely run at 3-4-4-10@218MHz fsb and fail to reach 240MHz at any timings :( Reply
Wesley Fink - Sunday, October 10, 2004 - linkThe timings used at each speed are included in the Test Results tables on pages 6 and 7.
There is only so much information you can include in a chart before it gets too confusing, but we always include timings and voltages for each speed in the Test Results tables. Reply
AkumaX - Sunday, October 10, 2004 - linknice article! were all different memory speeds (actual: 200, 233, 250, 275) at 2-2-2-5|10 also? Reply


text: Like every other WoW killer...Maybe SWTOR has an actual good chance to survive as an MMO. I just finished the beta this weekend and while I was not "blown away", I definitely had a good time playing it. But when people say that WoW will die from another MMO, that's bogus. Look at all the other MMOs that killed WoW like everyone else said they would.


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Heifer's Peru Adventure
13 Jan 2013 at 17:25
Mrs. Graciela explains to Anna, "In the women's trainings we learned to be better organized. When we get together we talk about our gardens and how to raise our animals better."
With Anna
Press | FAQ | Terms of Agreement | Privacy Policy | Copyright © 2011 Flatter World Inc.
FLAT STANLEY® is a trademark of the Trust u/w/o Richard C. Brown f/b/o Duncan Brown. Used with permission. All rights reserved


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It's good to be back home again but now I need another vacation. I'm tired -- You know what I mean, right? A good vacation takes a lot of work.
When you return you have to unpack, too. After all there's two weeks worth of dirty laundry in your suitcases. Then there's all that mail waiting for you - mostly bills to pay. Oh, there's just so much to do. In my case I returned just in time to go back to work. Yuck! That other stuff is just going to have to wait.
If you currently subscribe or have subscribed in the past to the Cedar Key Beacon, then simply find your account number on your mailing label and enter it below.
Click the question mark below to see where your account ID appears on your mailing label.
If you are new to the award winning Cedar Key Beacon and wish to get a subscription or simply gain access to our online content then please enter your ZIP code below and continue to setup your account.
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Morrissey: Preventing dog bites
May 21, 2012
"Safety begins with understanding dogs and educating people," a sage quote from Victoria Stilwell at the National Dog Bite Investigation, Treatment and Prevention conference I recently attended in Atlanta.
In the past 16 years, the number of hospital admissions due to dog bites has doubled. An overwhelming majority of these are children ages 3-9 years old.
Where there is a child, there needs to be an adult. Supervision of children and dogs at all times is critical. Very young children do not have the ability to make sound decisions about approaching or touching a dog any more than they can understand not to stick their hand in an electric socket or run into the street. If a parent cannot directly supervise a child/dog interaction, the safest alternative is to simply physically separate the child and dog into different rooms with a closed door.
Most of the bites reported come from the family dog or a dog the person knows. Why? Because the elegant language of dogs needs to be learned by the humans who surround them. If a dog walks away from a situation, it is a clear sign that they have had enough. Dogs should always be allowed to leave a situation they are uncomfortable with and should always be given a clear and safe "escape route." When dogs lick their lips and they are not at a dinner bowl, pant heavily without being hot or having exercised, yawn when they are not tired, they are stressed and are trying to calm themselves down. Other signs of stress include an overall tense body, tail between the legs, ears flat against the head, the whites of their eyes showing, stress lines around the muzzle and a very tight mouth. If a dog is showing any of these signs, please immediately give her/him a quiet, secluded space away from children or whatever is causing them stress.
Children should also be taught not to approach, grab or hug a dog they do not know. In fact, it is not enough to ask the dog's owner if they may pet the dog. Instead, at a distance, they need to invite the dog to them. If the dog does not want to come over to the child, his/her decision must be accepted. Never force a dog to come to a child just to "be friendly" or because the parent thinks their child "is good with dogs."
When approached by a dog they do not know, children need to be taught to be quiet, fold their arms in and look at the ground. Running around or from dogs can stimulate the canine chase instinct. Again, two adults should theoretically be around. At least one for the dog and one for the child.
Recommended Stories For You
Safety involves supervision and education. Working together, we can all decrease the tragic incidences of dog bites.
A great source of more information can be found at http://www.doggonesafe.com or the Liam J Perk Foundation at http://www.liamjperk
Louisa Morrissey is a Certified Professional Dog Trainer (CPDT-KA) and owner of Skijor-n-More. She is also a professional member of the Association of Pet Dog Trainers and a licensed Victoria Stilwell Positively Dog Trainer. http://www.skijornmore.com


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McClaren's decision to drop Paul Robinson, who had started the first 11 qualifiers, in favor of Scott Carson in goal on the final day of qualifying for the 2008 European Championship proved as disastrous as Ryan's decision to drop Hope Solo in favor of Briana Scurry.
Like Scurry, who had the bad luck in Hangzhou to start of her evening with an own goal, Carson had no business playing on Wednesday night. As former Arsenal goalie Bob Wilson described him, Carson looked like a "frightened rabbit." He set the tone for a disastrous evening by letting Niko Kranjcar's long-range shot skip through his gloves in the eighth minute. With England down 2-0 at the half, McClaren would have probably otherwise subbed Carson, but he needed to bring on reinforcements for his sputtering attack.
But similarities between Ryan's U.S. women and McClaren's England don't end there. Both teams have been living off their reputations for some time but have been overtaken in their respective games. The bottom line is that England, like the U.S. women, is overrated.
England came back -- thanks to McClaren's halftime substitutes Jermain Defoe and David Beckham -- to make it 2-2, but the tie it needed to qualify wouldn't last long as Mladen Petric -- give acres of room to shoot, like Kranjcar early in the game -- again beat Carson from distance. Would any team worthy of calling itself a world power have given Petric so much room with the game on the line?
Yes, Carson was at fault (on the first and, to a lesses extent, third goals), but it was in midfield, which decides games these days, England lost its way to Euro '08. Steven Gerrard? Frank Lampard? Big names? Yes. Great players. Hardly.


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Section 508 Website Accessibility
[Return to Directory Listing]
Department Chair of Accounting and Associate Professor
Phone: (239) 590-7342
E-Mail: email@example.com
Office: Lutgert Hall 3327
Ph.D. in Accounting, University of South Florida (2000)
TANYA BENFORD, Department Chair of Accounting and Associate Professor, received a Ph.D. in Accounting with Information Systems as a supporting area of interest from the University of South Florida (2000). She has published numerous refereed journal articles and successfully competed for both internal and external research grant funding. Her research interests include business process controls and corporate governance as well as the impact of information technology on judgment and decision-making in accounting. Prior to entering academia, she was Director of Finance for the Atlanta Symphony Orchestra. She also has held senior management positions in both the airline and insurance industries and began her career as a staff accountant at Coopers & Lybrand (PwC) in Miami, Fl.


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New wood grain inspired Qee releases...
For a great selection of action figures and collectibles, check out BigBadToyStore.com, Urban-Collector.com, BriansToys.com, ClarkToys.com, ToyWiz.com, SmallJoes.com, VNCToys.com, PastGenerationToys.com, MonkeyDepot.com, RPMDiecast.com, YesAnimation.com, and SuperheroToys.com.
For a great selection of pop culture t-shirts and apparel, check out TShirtGurus.com.
Toy2R continues its run of wood grain inspired Qee releases with two new Qee Bears dropping in the middle of December. Introducing the Wood Grain Teddy Bear Collection. Two 8" Qee bears in both light and dark wood style finishes. Currently available for order through APEX Trading Company.


text: MSAC boys: Hurricane blanks Winfield 2-0 By Tommy R. Atkinson October 6, 2012 Story Share Chip Ellis Hurricane's Ian Miles (left) and Winfield's Steven Taylor vie for a loose ball as the Redskins try to clear it out of their own end in Saturday's MSAC boys title game. So what does Hurricane do for an encore after winning the Mountain State Athletic Conference championship?"We look at the next game,'' said Redskins coach Jim Dagostine. "We don't care who we're playing, we don't care where it's at and we don't care what it's for. You get that result and move on from there.''That mantra has served Hurricane well as it won its 17th straight game Saturday afternoon behind two goals from Felipe Thompson and another air-tight performance from the defense in dispatching Winfield 2-0 in the all-Putnam County title matchup.A crowd of about 100 attended the showdown of Class AAA state-ranked teams at Andrew Jordon Field at the Trace Fork Soccer Complex."One of the things I'm proudest of is as big and as much area [as] this conference covers, the two boys teams in the championship game are from our county,'' Dagostine said."I think that's pretty neat. But us and Winfield, we're part of a group of eight or 10 teams in our league and area, on any given day could beat each other.''Undefeated Hurricane (17-0), which has surrendered just eight goals all year, solidified its hold on the top spot in the state coaches association rankings. The Redskins defeated Winfield 1-0 earlier this year."Is the pressure of where we're at getting to us?'' asked Dagostine rhetorically. "Who knows? Whatever is supposed to be, will be. I know [our players] wanted to win this. I'm very proud of my guys.''The Redskins controlled play for most of the opening half, but had nothing to show for it until Thompson, a senior exchange student from Santiago, Chile, scored from the right post off a pass from senior Alex White for a 1-0 lead with 15:10 left before halftime. Thompson sent a laser into the net from midair after the ball took one bounce. Thompson struck again with 20:59 to go off a setup from senior Rodrigo Bevaqua, an exchange student from Brazil, to set the final score. Hurricane senior defenders Evan and Ian Miles allowed the No. 3 Generals (12-2-2) just one shot on goal and junior keeper Tim Hayslett, who was starting his second game, made the stop."I'm just the one who scores, but behind that is all the team working,'' said Thompson, who has a Kanawha Valley-best 33 goals scored. "I think we're a good team and we're just playing our next game and our next game. Just focusing on the next game. That's how you have to think.''"He's a good teammate and he is unselfish,'' said Dagostine of Thompson. "He does add another dimension to something we haven't been able to do for several years and that's maybe be a little more dangerous putting the ball in goal. Not only does his presence make a difference, he gives [his teammates] a little better opportunities.''Winfield goalie Bryce Boggs made 11 saves."We had a couple of breakdowns,'' said Generals coach Mike Foster. "It didn't bounce our way. I'm proud of our boys the way they played. [Hurricane] just beat us. I think we're doing fine. We'll be all right.''Thompson said he is grateful for how his teammates have welcomed him with open arms. "They're my friends,'' he said. "We know how to keep going and just win. If we lose, we will continue because we're a team.''Reach Tommy R. Atkinson at email@example.com or 304-348-4811. Story Share Story Share Trending Now 1 Man charged after motorcycle pursuit early Sunday 2 Deer in 8 WV counties found dead from EHD 3 Former State Police captain now chief in Winfield 4 Innerviews: Dual-identity surgeon riding high in horse racing world 5 Preston County delegate Tony Lewis dies Roberts rules again for UC Previous Story MSAC girls: Princeton rises up, shuts down GW Next Story


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Shaking Up Glengarry Glen Ross
From its nontraditional casting to its recognition of the play's enduring relevance long after winning the Pulitzer Prize in 1984, AU's production of David Mamet's Glengarry Glen Ross is sure to make audiences react to its relentless depiction of desperate characters in desperate times.
The production will run from November 8 to November 10.
The play examines two days in the lives of real estate salesmen trying to peddle two developments, Glengarry Highlands and Glen Ross Farms. The first act opens in a restaurant, where the audience is introduced to the characters. Mamet also introduces their dirty dealings and back stabbing, showing how real estate business was conducted.
Act II, which takes place in the real estate office, begins with a robbery. Someone has broken into the office and stolen the sales leads, the "golden chalice" of real estate. That is when everything begins to fall apart.
"It's a little bit of a whodunit," says Javier Rivera, the play's director and assistant professor in the College's Department of Performing Arts. "In Act II you see this office that was running pretty smoothly is suddenly falling apart, and you see the results of selfish behavior of humans when it is not kept in check."
According to Rivera, Glengarry Glen Ross also mirrors the way that government was run in the early 1980s. "It addresses the lack of regulation, as well as the rampant actions of people doing anything at any cost to achieve the 'prize,' no matter who is hurt along the way," he says.
Rivera and the students are also using the opportunity to make several statements. They imagine audience members walking away with a different view of the world and contemplating the current state of the nation. "I am trying to make a broader statement in this production," Rivera continues. "People should come expecting to be enlightened in some way. I think they will either learn something new, they will have their beliefs reinforced, or they will be completely provoked and upset with the show; but they will definitely feel something at the end. That is the goal."
Rivera also points out that the issues being addressed in the play are directly related to the issues the United States' economy is currently facing. He notes that Mamet was a visionary in writing about something that would directly affect the world for decades.
"I want the show to reflect our current economic and political state, because Glengarry Glen Ross does serve as a time capsule of sorts," he says. "It was written in 1984, and I believe that the financial wheels that are currently affecting us were set in motion in the early 1980s. It is no coincidence that the play deals with a real estate market and the reckless, irresponsible behavior associated with it, and that in 2007, the first thing to go was the real estate market. No coincidence at all. I have a feeling that he saw things coming, as playwrights often do; they see things in clearer ways."
The AU production will have quite a twist, however. While Mamet originally wrote the play for seven male actors, Rivera constructed an all-female cast. The point of the casting change is to address the issue of gender, equality, and sexism in the workplace. "It is amazing that this is still an issue," says Rivera. "We are asking the question, 'Would we be in this mess if more women were in a higher, more visible position of power back in the early '80s?' I'm not talking about Geraldine Ferraro. She was an icon for the feminist movement, but she was never in a position to affect any kind of real change. We had no Condoleezza Rice, no Madeleine Albright, no Hillary Clinton in this country at that time. That is a fairly recent phenomenon."
Mamet himself signed off on the all-women cast for his male characters. When Glengarry Glen Ross was written, Mamet was an admitted misogynist. He wrote for men, and specifically against women, in many of his plays.
Rivera explains: "He beat up women emotionally and physically. It is interesting that the messenger we are utilizing is not Arthur Miller or Sam Sheppard; it is David Mamet. He gave us permission to do this, even though at the time he wrote the play, he wouldn't have. But now he has two daughters, and he writes for women. His latest play stars two women. He has completely changed as a human."
Glengarry Glen Ross will run evening performances from Thursday, November 8, through Saturday, November 10, at 8 p.m., and a 2 p.m. matinee on November 10. All performances will be in the Studio Theatre in the Katzen Arts Center. For more information on the play and the AU Department of Performing Arts, and for ticket information, visit the AU Arts web site.


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Yes, Jonathan Green's Natural Beauty Lawn Fertilizer and Jonathan Green's Organic Lawn Fertilizer. Both are one hundred percent organic and fortified with rich, complex, natural food ingredients such as Soybean Meal, Blood Meal, Bone Meal, Wheat Shots, Amino Acids and Humic Acid.
Natural Beauty All Organic Lawn Fertilizer is fortified with primal humates, which are the decomposed remains of plant and animal life from the time of the dinosaurs. The primal humic shale from which humus is mined is a wonderful food source for the countless billions of beneficial micro-organisms in your soil. Our Natural Beauty will restore lawn soil life and fertility.
Jonathan Green Organic Lawn Fertilizer contains most of the same complex natural food ingredients that you'll find in Natural Beauty but in a natural fertilizer formula designed for long term lawn maintenance. One bag of Organic Lawn Fertilizer will feed your lawn for ten weeks.
Be sure to ask for my new Organic Products Guide, it's free at your local garden center or hardware store. And, while you're there, please pick up a Jonathan Green Organic Gift Certificate Coupon – it's good for $5.00 on every bag of Organic Products up to six bags. That's up to $30.00 back to you to spend as you see fit. Or you can download it and other offers here.
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Herumph, my butthurt-o-meter just pinged a zillion -_-.
You left again!!
Holy crap. She's alive?? She's alive!! Lol welcome back girl, stay around for awhile this time
Oh it was so good I dont remember it at all...Except eating pizza really.
Hope your daughter's feeling better and you had a better weekend this time.
*GAAASSSPPPPP!!* Meeee? Have a sense of humor? You must have the wrong guy . Ask anyone, I'm certainly not one of the most random people here. Pfffttt humor....ohh you
Indeed, been a great weekend! I'm as happy as a retard with some chicken soup and arm floaties to keep from drowning in it
It's alright.
Weekend hasn't been too bad, mostly relaxing and a bit of work related nonsense but not too much.
Hope yours was good.
It's ok!
Had a decent weekend thus far. Went for a few drinks last night, was great to go for a few after beign ill!
Awesome! I might have to go and see it myself if I get the chance!
yea I was telling you that RObKO is no good lol....
That's okay no problem at all.. door is always welcome if you ever decide to give it ago, thanks for taking the time to consider it and getting back to me with a response.
Fresh Member
Black Ninja!
Featured Blogger
© 2011 eWrestlingNews, All Rights Reserved.


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I lost mine in the snow today about 3 to 4inches of it.And it will be a good month until the snow melts and wash away.
Any Color, 166g to 174g in good condition well season but not on brink of Death.
Just P.M. me and check out my list I'm sure we can trade.


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As the planet warms, Earth's climate zones are shifting at an accelerating pace, says a new study led by a scientist at the Cooperative Institute for Research in Environmental Sciences, a joint venture between the University of Colorado Boulder and the National Oceanic and Atmospheric Administration.
The acceleration of change means that the species inhabiting each zone have less time to adapt to the climatic changes, said lead author Irina Mahlstein, a CIRES scientist who works at NOAA's Earth System Research Laboratory in Boulder, Colo. "The warmer the climate gets, the faster the climate zones are shifting. This could make it harder for plants and animals to adjust."
The study is the first to look at the accelerating pace of the shifting of climate zones, which are areas of the Earth defined by annual and seasonal cycles of temperature and precipitation, as well as temperature and precipitation thresholds of plant species. Over 30 different climate zones are found on Earth; examples include the equatorial monsoonal zone, the polar tundra zone and cold arid desert zone.
"A shift in the climate zone is probably a better measure of 'reality' for living systems, more so than changing temperature by a degree or precipitation by a centimeter," said Mahlstein.
The scientists used climate model simulations and a well-known ecosystem classification scheme to look at the shifts between climate zones over a two-century period, 1900 to 2098. The team found that for an initial 3.6 degrees Fahrenheit of warming, about 5 percent of Earth's land area shifts to a new climate zone.
The models show that the pace of change quickens for the next 3.6 F of warming as an additional 10 percent of the land area shifts to a new climate zone. The paper was published online in the journal Nature Climate Change on April 21.
Certain regions of the globe, such as northern middle and high latitudes, will undergo more changes than other regions, such as the tropics, the scientists found. In the tropics, mountainous regions will experience bigger changes than low-altitude areas.
In the coming century, the findings suggest that frost climates -- the coldest climate zone of the planet -- will largely decrease. In general, dry regions in different areas of the globe will increase, and a large fraction of land area will change from cool summers to hot summers, according to the study.
The scientists also investigated whether temperature or precipitation had a greater impact on how much of the land area changed zones. "We found that temperature is the main factor, at least through the end of this century," said Mahlstein.
John Daniel at the NOAA Earth System Research Laboratory and Susan Solomon at the Massachusetts Institute of Technology co-authored the study.


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3/8" MNPT Brass Countersunk Plug
VALUE BRAND| Zoro #: G1152724| Mfr #: 6AYZ9
Zoro #: G1152724Mfr. Part #: 6AYZ9
$1.11 /ea
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Technical Specifications
|Zoro #: G1152724 Mfr #: 6AYZ9
|Pipe Fitting Material: Brass
|Fitting Connection Type: MNPT
|Basic Fitting Material: Metal
|Standards: SAE, ASME, ASA
|Basic Fitting Shape: Plug
|Temp. Range: -65 Degrees To 250 Degrees F
|Max. Pressure: 1200 psi
|Item: Countersink Plug
|Specific Fitting Shape: Plug
|Pipe Size (Fittings): 3/8"
|Country of Origin (subject to change): India
Product Description
Countersink Plug, Pipe Fitting Material Brass, Pipe Size (Fittings) 3/8 In., Fitting Connection Type MNPT, Standards SAE, ASME, ASA, Max. Pressure 1200 psi, Temp. Range -65 Degrees to 250 Degrees F
Restrictions and Compliance
- *1 : California Proposition 65 : This product contains a chemical known to the State of California to cause birth defects or other reproductive harm.
- *2 : California Proposition 65 : This product contains a chemical known to the State of California to cause cancer.
- This product is not intended for potable water applications (human consumption – drinking and cooking) and has not been designed to be compliant with the "Safe Drinking Water Act" requirements for low lead in potable water applications. This item is for use, only, in non-potable (non-human consumption) water applications.
- ***
- This is a restricted item. It cannot be used in the USA for potable water applications.


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CORRALITOS -- The Corralitos Padres were at it again Saturday, peddling food to raise funds for kids.
It remains to be seen if the first Corralitos Country Barbecue will be as popular as the group's Lumberjack Breakfast, which the Padres have held on Memorial Day weekend since 1959.
But it looked promising on a clear, warm Saturday with three live bands on an outdoor stage, and crafts, a bounce house, Ping Pong and more for children. Local food and wine merchants and artisans had tables ringing the grassy field behind Padres Hall on Browns Valley Road.
This year, Padre member Curtis Cobb decided it would be good to have a fall fundraiser, too, to add to the kitty for the scholarships, sports teams at Aptos and Watsonville high schools, scouting troops, Little League teams and more that the Padres support.
The group also operates a food booth at the county fair every year, he said.
"The breakfast is such a success that I thought it would be fun to have a kid-friendly event in the fall," said Cobb, who works as a contractor.
He said pre-sales were good, with about 250 tickets sold.
The inaugural barbecue included help from Boy Scouts Troop 599, and some of the seating came courtesy of redwood picnic tables created by Eagle Scouts Michael Heffner of Aptos and Jake Ecklund of Santa Cruz.
Jack and Nancy Gordon of Watsonville were sitting at Heffner's table Saturday, enjoying the live music.
The couple said they like to support local groups when they eat out.
"We go to the breakfast every year but we were in Arizona and missed it this year, so we decided to come out for this," Nancy Gordon said. "It's very nice and I like that it supports youth groups."
Padres President Roger Wildey said several community members and businesses stepped up to help with the event
Wildey, a retired sheriff's lieutenant, said he moved to Corralitos from Eastside Santa Cruz about 13 years ago and has found it to be a uniquely friendly, tight knit community.
"And the Padres is a nice organization," he said. "Everyone pitches in; it's a real community effort. And all our money goes to youth organizations."
Follow Sentinel reporter Cathy Kelly on Twitter at Twitter.com/cathykelly9


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Medicom, Bandai, Megahouse, and more
HobbyLink Japan continues to carry a fantastic selection of Japanese import goods, action figures, models and collectibles including...
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Find all these great collectibles and much more at HobbyLink Japan!


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Students Teaching Students
Office of Public Affairs
12000 Government Center Parkway, Suite 551
Fairfax, VA 22035-0065
July 17, 2003
Students Teaching Students
The Fairfax County Youth Leadership Program will hold an all day meeting on July 24 to create PowerPoint presentations for middle school students. The meeting will be held from 9 a.m. to 4:30 p.m. in Rooms 4 and 5 in the Government Center, 12000 Government Center Parkway, Fairfax.
The Fairfax County Youth Leadership Program was created to help high school students gain an understanding and appreciation of how local government works. The curriculum and activities are designed to develop citizenship skills and encourage participants to become active citizens in their community.
The participants of the Youth Leadership Program are selected through an application process in November of their junior year. One or two students are chosen from each high school in the county. This year there are 29 students from 24 high schools participating in the program which began in January 2003. The participants will graduate from the program on Dec. 10. The Youth Leadership Program consists of 10 three-hour meetings throughout the year and a three-week internship from July 7-25.
The Youth Leadership Program meetings focus on several aspects of Fairfax County government. The topics include affordable housing, human services, budget, recreation, public safety and land-use policy. These meetings provide the students with a better understanding of what takes place in the community.
The leadership program also includes an internship. Each of the 29 students is assigned to a different county office to work three 40-hour weeks. Some students from this year's program are working in the County Attorney's Office, Fire and Rescue Department, Office of Public Affairs, Park Authority and the Office of the Sheriff.
The students are given a variety of learning experiences in the program. They are given assignments after every meeting, which help strengthen writing and evaluation skills. The participants are also given the chance to create their own questions for an interview with members of the Board of Supervisors. This spring the students were divided into groups by district and instructed to develop questions for an interview with their district supervisor.
"Interviewing Chairman Hanley was a wonderful experience," said Rebecca Schwartz, Fairfax High School representative, "This program has given me so many awe-inspiring opportunities to learn and participate in my local government."
The next project for the program participants will be to create a PowerPoint presentation for middle school students at the July 24 meeting. The goal is to generate interest about local government by presenting the information through a young adult's perspective. The presentations will contain digital photos from the participants' internships and information that they have learned throughout the program.
The participants of the program indicate the experience is rewarding. "I have been granted a rare opportunity to work with many extraordinary individuals," said Malcolm Jones of Marshall High School.
For more information, call Martha Reed, Department of Management and Budget, 703-324-4062, TTY 711.


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Don't want to call?
Service Questions
Apollo Valves' Long Tradition of American Made Quality
Sep 10, 2013 12:44:49 PM
Since 1928, Apollo Valves has made valves that have become the quality standard in the commercial diving and hyperbaric industries. Apollo Valves' state-of-the-art manufacturing plants are vertically integrated to ensure a consistency of production, testing, quality and availability.
While Apollo Valves makes butterfly valves, backflow prevention devices, pressure reducing valves, safety relief valves and much more, the consistent best-seller here at Amron International are their Ball Valves. In fact, the company's Series 70 Ball Valve is the most specified ball valve in the world. More than 6 million Apollo Bronze Ball Valves are put into service every year, making it America's most trusted Ball Valve Brand.
Besides the Apollo Series 70 Ball Valve, Amron also offers the Series 71, Series 76 and the Series 77 Ball Valves. Many other options and valve types are available. If you don't see exactly what you need in the Apollo Valves section of our website, contact our friendly and experienced sales professionals at 760-208-6500 or email@example.com to custom order the Apollo valve you need.
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STATE FAIR and THE BRAND NEW KID Play Orlando Rep, July-Aug 2012
The Orlando Repertory Theatre (The REP) invites families to experience the Youth Academy's production of Rodgers & Hammerstein's State Fair. Performances of this show take place as part of the 6th Annual Target Family Theatre Festival in Loch Haven Park, from July 20- August 5, 2012.
Rodger's & Hammerstein's State Fair comes alive on The REP's stage, featuring some of Central Florida's most talented youth from seventh through twelfth grades. Set against the colorful backdrop of an American heartland tradition, State Fair follows the Frake family as they leave behind the routine of The Farm for three days of adventure at the annual Iowa State Fair. Mom and Pop have their hearts set on blue ribbons while their daughter and son find romance and heartbreak on the midway. Set to the magical strains of an Academy Award-winning score, State Fair is the kind of warm-hearted family entertainment only Rodgers & Hammerstein could deliver.
State Fair's director is Orlando theatre veteran Steve Mackinnon. MacKinnon returns to The REP after having previously directed PINKALICIOUS: The Musical, The House at Pooh Corner and The REP Youth Academy's productions of Annie Jr. and Rodgers & Hammerstein's Cinderella. He has also served as musical director for the runaway hit A Nutty Nutcracker Christmas and the summer blockbuster Hairspray. Elsewhere in Orlando, he has achieved critical success with standout productions of Avenue Q, Songs For a New World, Miss Nelson Is Missing, Annie, Altar Boyz, and Chicago.
"I am thrilled to be able to introduce our students and audiences to this rarely done gem from the Rodgers & Hammerstein library," says MacKinnon. "While many theatres are clamoring to always do the 'next big thing' or the newest show available, I think it is important for our children to be well rounded in not only their talents, but also their experiences. This show is a classic from a time gone by, with a relatively new story for a younger generation, and a wonderful introduction to the music of Rodgers & Hammerstein."
The creative team also includes music direction by Chris Endsley, choreography by Kim Ball, scenic design by Cindy White, costumes by Marcy Singhaus, lighting design by VAndy Wood, sound design by John Valines, prop design by Matt Rudman and is stage managed by Carrie Kasten Smith.
Tickets are priced at $15, but The REP is offering a 2 Show Pass for $20 to see both State Fair and Katie Couric's The Brand New Kid ($10), also being performed this summer at the Target Family Theatre Festival.
Fresh from performing in Miami, Ft. Lauderdale, and West Palm Beach, Katie Couric's The Brand New Kid is presented at The REP on July 21-29, 2012 and is a co-production with Miami's City Theatre and directed by The REP's Artistic Director Jeff Revels. Adapted from Couric's popular picture book, the musical proves that it is always best to be yourself. Lazlo S. Gasky is the new kid in school and because he does not look or speak quite like the others, the teasing and taunting begin. When Ellie McSnelly realizes how tough Lazlo has it, she risks being ridiculed herself to spend an afternoon with him. After playing soccer, eating strudel, and making new friends, the two teach their classmates a valuable lesson- the need to give others a chance.
All performances take place at the Orlando Repertory Theatre at 1001 East Princeton Street Orlando, FL 32803. Please call the Box Office at 407-896-7365 or visit www.orlandorep.com for tickets or more information.
About Orlando Repertory Theatre - The REP is a professional theatre for young audiences with a mission to enlighten, entertain and enrich children and adults by producing theatre of exceptional quality. The award winning REP Youth Academy provides classes, camps and workshops for children along with professional development opportunities to local classroom teachers. Housed in a three-theatre complex in Loch Haven Park, The REP is also home to the University of Central Florida's MFA in Theatre for Young Audiences graduate program.


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Are You Ready To Start Up Your StartUp Company?
During the past couple of decades, I've discussed business plans with thousands of start up entrepreneurs and emerging company CEOs in hundreds of different industries located all over the world.
As a long time entrepreneur myself, I know the kind of excitement that comes with starting something from scratch and growing it from an embryo.
Virtually all of those thousands of entrepreneurs who needed a business plan felt that same exhilaration – and they couldn't wait to get to their own vision's successful Point B. Regardless of type of industry or geographic location, entrepreneurial exuberance seems to be a universal constant!
However, besides the shared kind of enthusiasm each had for their own company, a large majority of these entrepreneurs shared another common trait.
The problem was that most of them weren't yet ready to start their business plan. They simply had not yet thought through some of the fundamental business issues that require decisions before you can even answer the driving assumptions that are necessary for planning.
The upshot was that too many chose wrong answers and made wrong decisions about these driving assumptions – and these up front mistakes ended up becoming fatal road blocks for many of these entrepreneurs, often waylaying them with dead end trails so they never got to their successful Point B.
The good news is that I've discovered a quick, straight forward, very cost-effective solution for quickly and easily destroying many of these road blocks – and minimizing dead end trails and "analysis paralysis." More about that solution in a minute.
What Are Your Driving Assumptions For Your StartUp Company?
Before you are ready to produce a meaningful business plan for your start up or emerging company, you need to have thought through a series of 60+ pivotal issues in order to end up with a realistic plan for implementation.
- Which of the following questions about your new or emerging company are the ones that are currently unanswered?
- Which dozen questions are the ones that are your biggest concerns?
- Which dozen questions are the ones that deal with your biggest roadblocks to success?
These are the pivotal questions I've learned how to answer over my past three decades of experience that I've gained from starting my own four dozen companies, raising $25 million from investors for my own deals and helping over Two Thousand entrepreneurs and CEOs in 49 of the 50 states, in more than 40 countries on six of the seven continents.
No Cookie Cutter Business Plans For Your Start Up Company!
The following 60+ questions are the ones that almost all start up and emerging companies MUST answer correctly for success.
And, there's no room for useless "cookie cutter" answers.
Your answers to these questions need to be very specifically tailored to your company, your approach to formation, implementation and operation of your business and how you want to fund your company's growth.
This is what it takes so you don't end up with a meaningless "cookie cutter" business plan!
Don't get overwhelmed or intimidated with what I am about to ask you.
Whether we work together or not, try your best to develop your own detailed, comprehensive answers to all 60+ questions – before you attempt any business plan.
Some Questions That Need Specific Answers For Your StartUp Company
- What are the basic concepts of your company?
- What are your ideal yet realistic major objectives for the company after you are in business for five years?
- What do you want MOST to have accomplished after five years?
- What are the company keys – for success, risk, business challenges, market differentiation and technology factors?
- What exactly ARE you selling? Products, services, both? Now? Five years from now? Are they REALLY the best right here, right now, products or services for you to start with? How soon can you earn a dollar?
- What are your strategic and tactical foci for your marketing and sales?
- What is YOUR calculated cost of acquisition for each of your typical customers?
- Have you established an affordable marketing and advertising campaign within your budget constraints that matches your customer acquisition costs and your revenue targets?
- What is your SWOT?
- Who are your competitors? (If your answer is "none", you are NOT ready for a business plan!)
- What is your value proposition? Ignoring motherhood words, why WILL customers buy from you instead of their alternatives?
- What are your sales channels? Who will close each sale? How will you motivate and compensate your sales force?
- What are your strategies regarding ad agencies / creative content / advertising, budget issues and costs – how will you REALLY rise above the noise level? Are you sure you don't need this? Are you sure your budget is right?
- What are your best strategies and tactics for attacking the market and generating both fast sales and reaching positive cash flow?
- What are your forecasts for the products and services that will be sold? How many of each will be sold during each month for the first two years and yearly for the next 3 years?
- What are your target price points and why? Are you too cheap? Are you too expensive? Are you sure?
- What are your costs of goods? Are there better alternatives?
- What is the most likely ramp up for sales, in units, of each product and service?
- What are your constraints to growth? Personnel? Capital? Product and service diversification? Market demand? Sales channels?
- What would you do differently if you had $1 million more than you think you need? $5 million?
- What would it take to increase your Year 5 revenues by a factor of 10? Are you sure?
- Have you developed a realistic organizational structure?
- Will it support your sales forecast?
- Have you established job definitions and salary requirements for every position?
- Are YOU the ideal CEO for your own company? Now? In five years?
- How much are you going to pay YOU? Are you sure?
- Have you laid out a K&T Chart mapping the credentials, experience and capabilities of the ideal candidate for each key position?
- Do you have a realistic timeline for hiring each person? This includes hiring them at the right time so you don't waste payroll – and properly reflecting the time required to interview, decide, offer, negotiate, hire and have them actually start working and being productive for you.
- Have your capital needs and cash flow calculations taken into account all the hiring costs associated with using headhunters, Monster.com, etc.?
- What, exactly, have you decided to do about stock options, founder's equity, bonus pools and other incentives for key personnel?
- Who will serve on your board of directors / board of advisors? Have you taken into account all the issues? Who are your candidates? What is their compensation?
- Do you know your W3 – Who? Is going to do What? When?
- Do you have the right Who?
- Do you have a definite list of all the What?
- Does the When match the timeline you need to capitalize on your ideas and the marketplace?
- Have you fully defined realistic operating costs?
- Do they reflect the direct and indirect implications of both the sales forecast and the organizational structure?
- What kind of facilities will be required for the number of people working for the company? How many sq. ft. of space are required for offices? For warehousing? What rent per sq. ft.? What are the costs for utilities? Taxes? Insurance? How does all this change over the next five years?
- Is your production internal or outsourced?
- How much capital will be consumed by inventory?
- What systems and procedures will be needed?
- What are the detailed steps required for fulfillment?
- Have you taken all three dozen kinds of typical operating costs into account? (MAJOR risk factors if you overlook the wrong costs.)
- What are the industry-specific and company-specific operating costs you have beyond the usual three dozen line items?
- What are your start up capital requirements?
- What will you have in start up costs – what dollars will need to be spent in the first 30 days after kick off if you are going to do it "the right way?"
- How much money will you need for everything? Are you sure? Do you know how much will be left in the bank account when you start generating positive monthly cash flow? What will you do if you start to run out of money to pay the bills?
- How much in reserves do you want to add to what you THINK you need for start up capital? How much do you need for reserves for you to be able to sleep at night since you KNOW that it ALWAYS takes longer and ALWAYS costs more?
- What is your fundraising strategy?
- Equity or debt or self-funded?
- If equity, what structure? What will you give up? What kind of ROI will your investors enjoy if everything goes right? Are you sure it's enough? Are you giving away too little or too much? What happens if everything does NOT go right?
- Do you fully understanding the laws regarding fundraising? Do you know the constraints of state and federal securities laws and the VERY onerous penalties for even a slight technical violation?
- Investors – do you know how to find them? How to motivate them to write the check? What kind of communications you need to send them? What about their rights and your obligations?
- Do you know the "deviled details" involved in raising the money?
- Do you know how to start legal / stay legal?
- What is your exit strategy? What if your investors want a different strategy?
- What will your company be worth in five years?
- What are your major milestones for the next five years – to get from where you are now to where you want to be? Will those milestones accomplish all the five year objectives you established?
- Does your business model REALLY make sense – for you, for your family, for your team, for your investors? Is the risk / reward ratio good enough for YOU to adequately receive the ROI that YOU deserve for all the investment of time, energy, money and life it will take to get you there?
- Your other questions: What else do you need to know? What other issues, what other questions, particular to your business, do you need answered?
If you already know, in detail, most or all of the above questions – you have my heartfelt congratulations! You truly understand your new business and are genuinely ready to establish realistic driving assumptions for your business plan.
No Arm Waving, Trite Or Easy Answers Allowed About Your Start Up!
Make sure you are not approaching the answers to these question with arm waving, trite or quick and easy answers. If you are, then you probably don't have the answers that will help you avoid failure. Generalities at this point on your path to your vision will keep you from getting to your Point B.
Imagine doing an action plan for each question with every major and semi-major step required for complete implementation.
Imagine if someone was working for you and you had tasked them with giving you a thorough action plan, what level of detail would you expect to get from a great employee to convince you that they knew and understood what was needed?
What level of detail would you require to motivate you to fund their request for the implementation dollars?
Your answers to those questions, in that role, is the level of detail you need now. After all, you now work for yourself…so, in this case, you are both the boss and that employee!
First of all, invest in the time to write down your answers to every question. Start with one full paragraph answers to each question. Then expand each answer to fill one full page, or more.
Each of the answers to your 60+ questions need detailed answers so that you really understand the scope of the issue, the real cost, the real timeline and exactly what resources will be required and what those resources will cost you.
One example is sales and marketing. Think in terms of every major and semi-major milestone you will face, just for sales and marketing, during the first 12 month after you really start your company. Consider this small sampling:
- How much is your budget? Is it enough to rise above the noise level?
- Where, exactly, will you advertise? How much, exactly, will each ad cost?
- Where does your top competition advertise? How often? What size banner ad or print ad? What do they spend each month and each year?
- Who will develop your creative concept? Who will generate your ad and web site copy? What about the art work?
- What about Google Ad-Words? Who will run the campaign? What's the budget just for this?
- Etc. – more details that are specific to your start up company, your industry, your micro-niche.
Now, once you have drilled down on your sales and marketing, use this same written approach for each of those 60+ questions and for each of the resulting milestones.
List out, in writing, your W Cubed = WHO is doing WHAT, WHEN?
The Kick Start Plan – For Your StartUp Company
I offer you these questions for free. I want to make sure you have the best probability for success – and if you can avoid the arm waving and the trite and easy answers – the DETAILED AND CORRECT answers to these 60+ pivotal questions can GREATLY reduce your risk and help you get to your Point B.
If you find that many of these 60+ questions and concepts are new to you, don't feel badly. Most entrepreneurs simply don't have an extensive background in many of these areas – nor have they had meaningful experiences with these broad ranging issues.
If you don't know enough about certain areas covered by these questions to answer a full page of details, find the answers from someone who does know.
If you can't list the W Cubed = WHO is doing WHAT, WHEN? for each question, then you need a genuinely knowledgeable resource to help you quickly get those real life answers – so you don't get bogged down for an eternity with analysis paralysis.
You can probably sense that these 60+ questions cover a lot – even if this isn't everything – that you need to know to greatly increase your probability of success with your new or emerging company. Your know that your own expertise, training and experience are in other crucial areas that will be equally needed for the success of your new or emerging company.
But what are you going to do about these questions so they don't become a road block keeping you from your Point B?
You can already sense that once you have drilled down and have detailed answers to many, if not all, of the above questions, your vision will be more clear for your company's Point B! And, the clearer your vision, the higher the probability of your success.
So, what are your realistic options for finding these answers – and knowing the right driving assumptions for your business plan? Who are you going to call that can really help with you with this kind of decision making?
My Kick Start Plan Service is one of the ways I can help – by mentoring you, and consulting with you, by phone and email to help you find your best answers possible for many of these questions, you can much more quickly and accurately implement the steps necessary to get to your vision's Point B.
The mentoring, consulting and brainstorming will be specific answers and solutions for your company, your vision and your Point B so you have realistic driving assumptions – so you don't end up with a cookie cutter business plan that will have little to do with your company's specific Point B!
Ready To Get Started – And Get Your Start Up Company Rolling?
I recommend we start with my simple Kick Start Plan Service: Two hours of mentoring and consulting by phone and email – specifically focused on helping you to answer your dozen most important questions out of the above 60+ questions. The costs is only $550.
We'll start with the above questions and issues that are your dozen biggest concerns so that you get the most bangs for your buck, up front. Then, we can move on to the secondary questions and issues to start filling in those blanks as we have time. Of course, depending on how much prior drill down you have done on these questions, we won't be able to explore all 60+ questions in only two hours.
But we should be able to focus on destroying your dozen biggest road blocks.
After those initial two hours, you can decide if you want to stop – or go for additional hours of mentoring and consulting – or if you decide that you would best benefit from my Deviled Details Strategic and Action Planning Service. Or, we can move on directly to my various business plan services for your startup company if you are ready.
If this sounds like the best next step for YOUR start up company, please click Kick Start Plan For Your Start Up Company for more information.
No ongoing obligation. No long term anything.
Just greatly improved clarity – destroyed road blocks – and some pivotal answers for your business plan's driving assumptions.
All the best,
Robert Lee Goodman, MBA
Ceo & Chief ImpleMentor
Ceo Resource LLC
PS: Limited Time Offer – Free $97 Funding Foreplay Audio Course Included
For a limited time, clients signing up for my Kick Start Plan Service will receive a hard copy version of my Funding Foreplay Audio Course that sells on Amazon for $97.
Funding Foreplay is a four module audio training course that is designed to teach start up company CEOs like you – how to properly prepare and present the dozen documents you must have to successfully romance and seduce angel investors and VC to invest in your company.
With this Funding Foreplay Course, you get a dozen real life documents I used for one of my own companies, PhotoGraphic LLC. Mock up sample documents are one thing…but with real life documents, all congruently integrated with one another, you gain much better clarity from the consistency of seeing one company's document trail, start to finish.
In addition to these dozen documents, you also receive the two Worksheets that will help define your own company when we get to Module 4 and cover your own business plan.
All 14 of these documents will show you the kinds of questions you will need answered for your own start up. ..What you will need for the flirting, courting, seduction and consummation of your funding.
Click Funding Foreplay for more details!
PS: Here's some other topics and links that you might find interesting:
Deviled Details– See how well you have already defined your own strategy and tactics for your start up or emerging company. Do you know what your W Cubed is for every major and semi-major milestone for the next 12 months? Find out if my Deviled Details Service can help you more fully define your critical strategy and tactics – and help you avoid the potentially lethal mistakes that kill so many start up and emerging companies.
Real Estate ImpleMentor Service – Need help with capitalizing on the current real estate market? Need help on finally implementing all the steps necessary to finally get rolling with your own real estate company? If so, find out if my Real Estate Implementation Service might be your very best next step.
Funding Foreplay – Learn how to romance and seduce investors with the right dozen documents. Find out if this five hour audio course, with it dozen sample documents, might be your very best, and most cost-effective, starting point for preparing your business plan and offering documents to legally raise funds from angel investors.
Finding Your Funding – Do you know what you need to know to legally raise investor capital for your company? Avoid jail time by watching this short video.
Virtual-Exec Service – Need cost-effective, senior-level executive help with your start up or emerging company? Need a Virtual Chief Operating Officer to implement all those Deviled Details necessary to get to your Point B?
Recent Clients – See the hundreds of industries I've helped with my consulting services in 49 of the 50 states, in over 40 countries and on 6 of the 7 continents. Find out if you are in the one state I am offering a major discount for my first client with headquarters in that state.
Testimonials – Read the comments from several dozen past clients about how my services have helped them get much closer to their desired Point B.
Profile – Find out if my background, credentials, expertise and experience is a good match for your current consulting needs.
Blog – Check out my blog on start up and emerging companies.
If you are faced with immediate needs or opportunities, I invite you to let me know how I can best help you and your startup company.
PS: Click here to check out my Funding Foreplay Audio Course at Amazon.com if you need startup company help to raise investor capital.
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Launched for 2009 her reasonably recent interior design and decor reveals the forward thinking emanating from the boards of Terence Disdale Design / Greenline Yacht Interiors
DUBAI used to be named project/yacht name (Project Platinum) Golden Star. This 162 m (532 foot) luxury yacht was made at Platinum Yachts in 2006. Motor Yacht DUBAI is a vast superyacht
The motor yacht AL SAID is a 155 m 509 (foot) imposing steel ship which was crafted at Lurssen Yachts and her design is by Lurssen and Espen Oeino
This motor yacht AL MIRQAB is a 133 m 437 (ft) colossal steel boat which was crafted at Kusch Yachts and concieved by Kusch Yachts and Tim Heywood. Accommodating 60 guests and 60 crew members, motor yacht AL MIRQAB was formerly (Project May)
The motor yacht RISING SUN is a 138 metre 454 (foot) major steel ship which was crafted at Lurssen Yachts and conceived by Lurssen and Bannenberg Designs Ltd


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Hardwood flooring is definitely becoming quite popular amongst homeowners these days. In terms of home renovation projects as well, majority of the people are opting for hardwood flooring. This is because not only does it help in adding a completely new and different look to the entire home, many people have also agreed that it definitely falls within their budget. Nothing could be considered to be greater news than this! In addition, thanks to the wide variety of hardwood floors that are being made available, people are just being spoilt for choice.
That being said, if you are going for hardwood floor installation Belvidere NJ, that too by yourself, there are certain things which you would need to keep in mind. This is because the installation of hardwood flooring is not exactly as easy and simple as people make it out to be. There are certain complex aspects which needs to be taken in to consideration. In addition, it is definitely not something which you will be able to learn by just watching a couple of tutorial videos. However, wood floor installation Belvidere NJ, is also not something which has been deemed impossible. Once you get the hang of it, it might actually be quite fun to do as well. So there is absolutely nothing to despair about. Thanks to our easy and detailed instructions, you would not be facing any kinds of problems when installing your hardwood floors.
How to go for hardwood floor installation Belvidere NJ by yourself
If you are going with the option of installing your hardwood floor by yourself, then it is absolutely necessary that you prepare yourself sufficiently beforehand. Some of the ways in which you will be able to do it are as follows:
- Make sure that you read all the detailed instructions before going with wood floor installation Belvidere NJ
- Make sure that the floor you are laying over is completely flat, clean, as well as dry. If that is not the case, then the hardwood flooring would not be done in a successful manner
- Gently remove the millwork, the base of the wall, and any kinds of trimmings which you will be able to use again
- Make sure that you have all the equipment and tools ready at hand which have been recommended. This can help in speeding up the process to some extent
- According to the instructions, acclimate the hardwood flooring in a proper manner.
The wood floor installation Belvidere NJ process
- Choose the hardwood widths and board species for the installation of the room
- Measure the length and width of the room and then multiply in order to derive the square footage. In addition, when you would be going for the ordering of hardwood flooring, keep it in mind to order at least 10-15 per cent of extra flooring. This is because you would have to take in to account the cutting mistakes or any irregular boards
- Check the subfloor to make sure that there are no kinds of squeaky sounds being emitted. Remove the shoe-molding from the room and then clean and sweep the entire place in a thorough manner
- Roll out strips of vapor barrier paper. In addition, keep at least four inches for overlap. Where the joists have been located, mark along the baseboards with the help of a pencil
- Start the installation process at the largest wall which has been unobstructed
- By selecting a long board, start placing them one by one in a straight line
- After hardwood floor installation Belvidere NJ has been done for the first few rows, drill the pilot holes down the tongue of each board
- With the help of a nail gun, staple the boards together so that it remains in place
- After all the boards have been placed, make sure to look out for any gaps. After these gaps have been found during wood floor installation, make sure that you cut the edges properly so that you do not end up cutting more than you should have
- Lastly, after fitting the last board in place, get a wood putty which matches the color of your hardwood floor. After that, get rid of all the excess mess.
Why get hardwood floor installation Belvidere NJ done by a professional contractor
Even though you have the option of going for wood floor installation Belvidere NJ on your own, the opinion of the majority is that you should still be hiring a professional to get the job done for you. This is because these people are actually experts when it comes to the installation of hardwood floors. They have been in the business for so long that they actually have a very good idea about what seems to work and what does not. In addition, the extent of knowledge and experience that they possess is bound to surpass your own. They have even encountered many kinds of unique situations which they have been quite capable to deal with.
Majority of these professional contractors are also licensed, certified, and bonded. This shows that they do indeed have the necessary skills and requirements in order to conduct their own business operations. The fact that they are also insured could definitely be considered to be a cherry on top. This is because it means that in case if something tends to go wrong, both the parties would be completely protected.
One of the other major benefits which can be enjoyed from getting hardwood floor installation Belvidere NJ by a professional is that the entire work would be done in a very quick and efficient manner. What would normally take you a week or two, these people can get you the work done in almost less than a week. This means that your house would be possible to go back to the normal situation in no time at all.
However, another thing which you would have to keep in mind when hiring a professional contractor for the installation of hardwood flooring is the budget. This is because this kind of work would need to fall within your budget as well. Belvidere NJ


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LAKEPORT -- The judge in the Robby Alan Beasley double-murder trial Thursday denied the defense mistrial motion stemming from comments the alleged accomplice made on the stand last week.
Elijah Bae McKay claimed his co-defendant "talked about killing people before" while testifying Nov. 7. The court later learned he referred to statements made while he and Beasley were teens in Maine.
Judge Andrew S. Blum struck the remark from the record and instructed jurors to disregard it the next day.
After McKay finished testifying Thursday afternoon, the judge announced his decision to deny the pending mistrial motion.
"I have no doubt whatsoever that (jurors) can set that aside," Blum said while making his ruling.
Defense counsel Stephen Carter argued McKay's statement could prejudice the jury and affect Beasley's ability to have a fair trial.
Beasley, 32, of Clearlake pleaded not guilty to three felonies, including a pair of murder counts, in connection with the Jan. 22, 2010 shooting deaths of Frank and Yvette Maddox. The Maine couple's decomposing bodies were found in Lower Lake about six weeks later.
Authorities allege Beasley shot his friends after suspecting they stole marijuana from the Lower Lake apartment in which he grew plants indoors. He reportedly recruited the couple to work on an outdoor grow operation run by McKay in October 2009.
A key component of the prosecution's case is testimony from McKay, who faces murder charges for allegedly aiding Beasley. He is not standing trial at this time.
McKay, 30, of Lower Lake told jurors he gave Beasley the 9 mm handgun used in shooting and helped Beasley destroy evidence afterward.
Carter spent nearly six hours cross-examining the alleged accomplice over three days.
McKay told a story consistent with his testimony under direct questioning by deputy district attorney Art Grothe.
He said Beasley planned to scare Frank Maddox, 32, and Yvette Maddox, 40, at gunpoint to elicit confessions about the marijuana theft and convince them to return to Maine.
McKay testified that when he went to pick up Beasley from Morgan Valley Road the night of Jan. 22, 2010, a distraught Beasley was "freaking out" and admitted killing the Maddoxes.
The two drove to McKay's house and McKay burned Beasley's clothes, backpack and cellphone, according to McKay, who said he never called the police and his only thoughts initially were to cover up the killings.
"I wasn't glad they were dead, but I felt safer," he added.
The men moved the Maddoxes' truck the next day, and Beasley revealed more details about the shooting on the ride back to Lower Lake, McKay said.
Beasley admitted shooting Frank Maddox in the leg and then shooting husband and wife each in the head before dragging them down an embankment and firing again into their heads, according to McKay.
Under cross-examination Thursday, McKay denied killing the Maddoxes or conspiring to kill them.
He said he decided to testify after authorities threatened to arrest his fiancee, which could result in their son being taken away.
"I don't expect any leniency," McKay added. "I feel at best I got to tell what happened and clear my name."
The only other witness called was Ryan Gilman, who said he lived at the same Lower Lake apartment complex where Beasley grew marijuana. Gilman remembered hearing that Beasley had some pot stolen from there in early 2010.
The trial is set to reconvene this morning in Department 3 at the Lake County Courthouse.
Jeremy Walsh is a staff reporter for Lake County Publishing. Reach him at 263-5636, ext. 37 or firstname.lastname@example.com. Follow trial coverage live on Twitter, @JeremyDWalsh or #RobbyBeasley.


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Ten of the nation's largest mortgage servicers have reached an $8.5 billion settlement with regulators to end foreclosure reviews that were triggered over complaints of illegal foreclosure practices.
Under the agreement, the banks will pay $3.3 billion to eligible borrowers who faced foreclosure in 2009 and 2010. The banks will also offer about $5.2 billion worth of loan modification and loan forgiveness to borrowers. Borrowers whose primary homes were in any stage of foreclosure in those years and whose loans were serviced by one of the 10 banks in the agreement are eligible for compensation, according to a spokesman for the Office of the Comptroller of the Currency.
The servicers are: Aurora, Bank of America, Citibank, JPMorgan Chase, MetLife Bank, PNC, Sovereign, SunTrust, U.S. Bank, and Wells Fargo. The banks are among the 14 servicers that received orders from federal regulators in April 2011 to conduct independent reviews of millions of foreclosure files. The enforcement action required servicers to compensate borrowers who were victims of improper foreclosure practices, once the review process was completed.
This latest settlement puts an end to those reviews and satisfies the order from 2011 for 10 of those 14 banks. Four servicers were not included in this settlement.
Will settlement really benefit borrowers in the long run?
The OCC claims that the settlement is the quickest, most efficient way to get money to borrowers, but consumer advocates say it's too early to tell if this is actually going to offer borrowers a fair deal.
"Our new course of action will get more money to more people more quickly, and it will speed recovery in the nation's housing markets," says Comptroller of the Currency Thomas J. Curry.
The foreclosure review process that was in the works would certainly take longer to deliver any results to borrowers, but a quicker deal doesn't automatically mean a better deal, says Debby Goldberg, special project director for the National Fair Housing Alliance.
"Switching to something that is more streamlined is a good concept," she says. "But the details of the settlement are critically important."
Who gets a check?
Regulators have not disclosed the actual settlement yet and have not detailed how it will be determined how much each borrower will get.
According to the OCC, 3.8 million borrowers whose homes were in foreclosure in 2009 and 2010 will "receive cash compensation in a timely manner."
If all borrowers were to get equal compensation, that would translate into about $868 per borrower.
But the OCC says "Eligible borrowers are expected to receive compensation ranging from hundreds of dollars up to $125,000, depending on the type of possible servicer error."
How do you determine the type of possible error without reviewing the actual foreclosure file? An OCC spokesman says details aren't yet available on how the process will be conducted.
The agency says "a payment agent" will be appointed to administer payments to borrowers, and borrowers will get contacted by the agent by the end of March.
The deal with loan modifications and forgiveness
Regulators have not disclosed how banks will determine which borrowers will receive offers for loan modifications under the $5.2 billion part of the agreement. The servicers will also offer forgiveness of deficiency judgments to borrowers who lost their homes to foreclosure. Many borrowers are not aware that, in most states, lenders can pursue borrowers after foreclosure to collect the unpaid balance of the loan.
The release of liability on the balance of the loan would be a relief to many borrowers, but regulators did not specify the eligibility requirements to benefit from this part of the settlement.
"It's not at all clear how the banks will decide what option they will offer to each borrower," Goldberg says. It's also important to remember that the $5.2 billion is not actual cash the banks are going to pay out of pocket, she says. With the deficiency judgments, for instance, this is money that the lenders already weren't expecting to be able to recover, she says.
What if you filed a review request?
Matt Weidner, a foreclosure defense attorney in St. Petersburg, Fla., says several of his clients reached out to him in recent months asking whether they should reply to the letter they got in the mail urging them to request a foreclosure review. He encouraged them to do so.
"I didn't know they would be flushed down the toilet," he says. "The government asked for evidence of wrongdoing, but rather than saying we have a major problem here, they did the opposite. They said we are going to stop the investigation."
Follow me on Twitter @Polyanad.


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Patagonia Powder Bowl JacketMSRP: $399.00
The Women's Powder Bowl Jacket is not just for the woman who rides but also for the woman who ice climbs, snowshoes, snowmobiles, and who is an all-around outdoor enthusiast. Patagonia is all about quality, and the quality of the Powder Bowl Jacket isn't compromised even though 29% of its materials are made from environmentally conscious fabrics. It's also made of durable nylon and is only 23.4 ounces (1.46 pounds), so it is light and strong. New to this season is the addition of the Gore-Tex membrane. Its material has more than nine billion pores, and a drop of water is about 20,000 times larger than each pore. The result? Ultimate waterproof-ness, comfort, and a wonderful day on the mountain.
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Indians activate OF Michael Bourn from 15-day DL
CLEVELAND, OH - The Cleveland Indians today announced the following roster moves relative to the Major League roster:
Activated OF MICHAEL BOURN from the 15-day DL
Optioned LHP SCOTT BARNES to AAA Columbus.
Bourn has been on the disabled list since April 15 after suffering a lacerated right index finger against the Chicago White Sox the day before. Bourn spent two days (May 7-8) rehabbing with AAA Columbus and so far this season he is hitting .333 (14-45) with 7 runs scored, 4 2B, 1 3B, 2HR & 2RBI in 10 games (.975OPS).