text:
Lockport grad, Toledo star Fluellen misses game vs. UB due to injury
TOLEDO, Ohio — Lockport native David Fluellen, the Mid-American Conference's second-leading rusher, sat out Tuesday night's nationally televised game against UB as he continues to recover from injury.
This was the second straight game Fluellen has missed since suffering a Achilles injury in an Oct. 26 game at Bowling Green. A senior, Fluellen entered the week ranked second in the MAC in rushing yards to UB's Brandan Oliver.
Rockets coach Matt Campbell had been saying for at least a week that Fluellen's status would be a game-time decision. The former Lockport High star is considered in some circles among the top five senior running backs available in this year's draft. The expectation is he will go in a late round or sign as an undrafted free agent.
Toledo will lose Fluellen, quarterback Terrance Owens and star receiver Bernard Reedy after this season but don't expect the program to stumble backward. Freshman Kareem Hunt impressed again at running back Tuesday night, sophomore Alonzo Russell is solid at wideout and the quarterback-in-waiting is Phillip Ely, who transferred out of Alabama over the summer. He had been listed as co-No. 2 on the depth chart behind Tide starter AJ McCarron.
The Rockets also returned everyone on the offensive line except center/NFL prospect Zac Kerin and nine of 11 players on defense.
UB turned the ball over twice, once on a series of desperation pitches late in the first half and once when Oliver was stripped late in the third quarter.
It was Oliver's first true fumble this season. The fumble was caused by defensive end Jayrone Elliott, marking the fourth time in six games he's separated an opponent from the ball.
Oliver finished with 102 yards on the ground after managing just 24 in the first half, He carried 24 times.
UB punter Tyler Grassman is an athlete, as he showed in retreating to chase down an errant snap in the second quarter. Grassman recovered the ball and, under duress, got off a rugby-style kicked that resulted in a net 31 yards. He kicked it from about 30 yards behind the line of scrimmage.
Khalil Mack went into the final three games of the season needing one forced fumble for a six-way share of the NCAA career mark of 14. Mack also remains on track to take a run at the NCAA mark for career tackles for loss. He went into Tuesday with 67.5 in 42 career games, good for third all-time. The record of 75 by Western Michigan's Jason Babin was set in 47 games. No. 2 on the list, George Selvie of South Florida, produced 69 TFL in 52 games.
Mack was a whirlwind. He tied his career high with 15 tackles, two of them for losses, and was credited with one quarterback hurry.
NFL organizations continue to take keen stock. Scouts from six NFL teams requested seats for the game, including two each from Arizona and Cleveland. Cardinals General Manager Steve Keim was among those in attendance.
UB went 8 for 8 on second-half third-down conversions after a 3-for-11 first half. ... The Bulls were without running back James Potts (shoulder) and remained without linebacker Adam Redden (knee). Running back Devin Campbell played after missing last week's win over Ohio with an ailing back. ... The MAC's uneven division breakdowns (seven teams in the East, six in the West) can create some scheduling peculiarities. This was UB's first game in Toledo since 1995. The Bulls have never won here. ... Joe Licata remains one of only two MAC quarterbacks to have thrown for a touchdown in every game. Jordan Lynch of Northern Illinois is the other.
email: email@example.com


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Roof racks & winter
Winter is coming quickly which will put my outdoor riding into hibernation. I bought a trainer so I don't have to battle the darkness, snow, ice, and cold. My question is in regards to my Yakima roof rack. Should I take the rack off before it snows or is it okay to leave it on all winter?
What is there to be damaged on your rack? If you think there is a problem area, then I would take it off. If you don't see any problem area then I would leave it on.
The snow and ice won't do the rack any good, and the ultraviolet will accelerate wear on the soft parts (straps, plastic stuff, whatever you have up there). Having said that, though, you have to replace that stuff every few years anyway and you might not notice any difference.
What I wonder, though, is why anyone would even THINK of leaving a rack on if you're not going to use it. I put mine on and take it off for every ride that requires transport (not many; I'm lucky to live in an area where I can do good rides from home). Installing or removing the rack takes less than five minutes (I can take it off in less than two). Leaving it on increases wind noise dramatically on the highway and cuts my gas mileage from around 32-34 to 27-29. Makes no sense to drive around with it on the car if I'm not going to use it until April.
Velo Dog - It's a roof rack that is mounted and locked onto my roof. It's not something that can be done in 5 minutes or less. I have a fairing on the front so there is no wind noise and I have noticed no difference in gas mileage, I checked.
Thanks for the input, I think I'll go ahead and take it off.
Mine stays on all winter as I need it to transport my bike all winter. :)
The question is: why leave it on if you're not using it?
Roof racks & winter
If it isn't hurting gas mileage and you don't have any parts that will wear out and you don't want to take it off, don't take it off.
If you don't need it, take it off. Some of those parts will rust a lot slower if you garage your rack.
|All times are GMT -6. The time now is 03:38 PM.

subset: commoncrawl


text:
" Address: 26416 Dubai / United Arab Emirates "
Wild Wadi is a themed water park on Jumeirah Beach in Dubai. We had a day there on our recent trip and enjoyed it more than we thought we would and I'd recommend a visit if you are in the area. It is competing against the more famous Atlantis Water Park on The Palm, but when you compare prices and value for money, Wild Wadi is probably better. My hard to please niece and nephew have been to both and said that Wild Wadi is far superior - so there you go!
===Location and Getting There===
Getting there is fairly easy. It is located right next to the Jumeirah Beach Hotel (sometimes called The Wave) and if you are staying at this hotel, you can get direct access from the grounds (and it is free to enter!). Otherwise get the sky train to Mall of the Emirates and then either walk or get a taxi along the mile or so straight road from there to the park's entrance. We walked and it took us about 25 minutes, walking at a pretty leisurely pace.
===Getting In===
It isn't cheap to enter - but nothing is in Dubai, so comparably the price is about normal. Even so, you can expect to part with about £40 per person for a day pass. If you want to go in the afternoon, you can save about £5 on that price if go in two hours before closing. We found the way they did the entry fee to be really odd. From what we could see on the sign outside, it was going to be £40 each for entry and then a further £10 for a locker. What actually happened was that we paid £40 and then got £10 credit per person to use on lockers or food. If you don't use the credit, you get back at the end of the day. I couldn't for the life of me understand why they didn't advertise this because it is quite a good thing. We got a locker (despite me balking at the £10 cost!) and then got the other £10 back.
You get a wristband as your entry ticket and the credit that you have is stored on this wristband, which is very handy since they are waterproof. if you do buy anything, you just swipe it as you would a touch less credit card. You also have the option of adding extra credit onto it when you go into the park if you think you might need it for souvenirs and food. You also swipe it again on the way back to get your credit back.
===The Rides===
There are lots of rides in the park requiring different levels of competency. But the main selling factor is the series of slides that take you around the park without having to walk a step called the Master Blasters. They are pretty funky because they take you up hill and down. Beware though, you might have to hang on to your swimming costume when you are going uphill because it doesn't half send you off with a blast! You go around the travel slides in a rubber ring either for one person or two and then at each junction, you have the option of hopping off down the ride or continuing to the next one. It is a really fun way of getting around and beats climbing up and down stairs. The rides that come off this system are the more tame ones, so you don't have to worry about ending up on a death defying ride by accident!
The thrill seekers rides are separate to this system and include some real white knuckle ones. Tantrum Alley is a ride for up to four people. You sit on an inflatable and then are push down a pretty hefty dip into a sort of big barrel that you fly up and down the sides of. The thrill of the ride depends on whether you are going backwards or forwards when you go into the barrel. To be honest I can't decide whether it's better to see what is coming or not! Burj Surj is downhill ride for up to five people that goes pretty fast and empties you out into a bowl which you spin round in before dropping into the pool below. It's a bit tamer than the first one but good fun all the same. Jumeirah Sceirah is an almost vertical drop slide that is ridiculously fast. They also have a lazy river which is where you end up if you go around the Master Blaster system I mentioned before.
There is a wave pool that wasn't actually open when we visited because they were repairing it, which is a shame because it would have been nice to have somewhere to relax a bit between rides as there is nowhere else aside from this - there are no general pool areas. Near to this is a children's area with water buckets and small slides, but this was also closed. If you are visiting with younger children, I'd recommend asking what is closed before you enter because if either of these is closed, there's not much else for smaller children. Having said that, they are good at telling you what is closed on a particular day - we were told twice before we paid for our ticket, by two different people that the areas were closed.
Aside from all of this there is a couple of surfing type rides that they are very proud of. We didn't actually go on them because, as far as I am aware, you have to pay extra for them. They did look quite good though.
===Other Stuff===
There are lots of places you can spend your money throughout the park as you would imagine. There are restaurants where you can get a meal, like burgers, fries, pizzas and so on. There are also lots of places in between where you can get a snack to tide you over! They have ice creams, sweets, bagels, donuts and sweet corn stalls. The food isn't particularly cheap, but you would get a meal for your £10 with a drink and snack included.
There is a gift shop on the way out. It has all the usual overpriced tat that you can take home as a souvenir of your stay. It also has all your essentials that you may have forgotten - towels, swim wear and lotions for example. I'd recommend remembering everything though because it'll cost you a fortune here!
There are sun beds scattered around the park and plenty of them, so you can have a nice sit down. i noticed that a lot of people tended to use them as stop off points and left their stuff there whilst they were on rides. I wouldn't recommend leaving things unattended, but the whole park seemed very safe and there were lots of staff everywhere.
The park is open different hours throughout the year, depending on the season. Generally it is open from around the 10am mark until six or seven in the evening. You can get up to date details on the website - https://www.jumeirah.com/en/hotels-resorts/dubai/wild-wadi/. You can also book tickets online here if you want.
===Worth A Trip?===
I would say yes. As you might have gathered, I don't think it is particularly cheap. But like I said nothing in these parts is and it is quite a fun day out, especially if the weather is nice.
If you are in Dubai then you must pay a vist to the Wild Wadi water park, which is situated between the 7* Burj Al Arab hotel and the Jumeirah Beach Hotel. Located right on the seafront it is a main attraction off the sheikh zayed road (the main road the runs along the sea front).
The park entrance fee is quite expensive at around 30GBP per person, however if you stay in one of the Jumeirah brand hotels you get a free trip to the water park. Also when I stay in the Mina Salam hotel, they provide a free buggy transfer to and from the hotel to the waterpark, travelling by the side of the Burj and allowing you to take in the magnificant views. There are lockers at the front of the park as you walk in and they are quite big, big enough to have all your clothes and a bag in anyway, however you do have to pay to use these. There are plenty of spaces around the park to leave your belongings on loungers for free. Also one of the bonuses is that free towels are provided. If you are worried about carrying cash around with you, on entrance to the park you are able to get a wrist band which you can use all day to make payment, and then settle the bill when you leave.
There are several restaurants throughout the park to choose from which include burgers and chips, pizza, salad, ice creams and refreshments. However as you expect in Dubal the food is quite pricey but really nice and filling, and all of the restaurants offer meal deals.
There are also shops on site, offering souvenirs and beachwear including towels, goggles etc.
The park itself has 30 rides and is advertised as the only water park in the world with water slides that shoot you upwards not down. The rides include:
The Master Blaster
Jumeirah Sceirah
Juha's Journey
Breakers Bay
Wadi Wash
Flood River
Ring Rides
Juha's Dhow etc
I was to chicken to go on the big drop, as it is soooo high on the Jumeirah sceirah, a speed slide that hurtles you at speeds of up to 80 kms per hour, cascading a breathtaking 33 metres. However did really enjoy Master Blaster, a series of high-powered water jets to take you on an aquatic roller coaster ride.
As with all of Dubai, dont wear your tiniest little bikini and speedos, as you will get a few stares. The majority of local women wear full burka's or wet suits (in 50 degrees of heat) in the water and around the water park in general, however there is a ladies only evening one night of the week.
The water park is pretty big, and if you are travelling in a large group it may be advisable to suggest a meeting point, as it is quite easy to get lost. Overall the water park is a good day out, however I would of been a bit disapointed if i had paid £30 each to get in, but it is definatly worth a trip!
The Wild Wadi water park is situated in between the famous 7* Burj Al Arab hotel and the Jumeirah Beach Hotel, it is on the seafront and is the only themed amusement park in the United Arab Emirates. It is roughly 25 minutes from the city centre.
The park entrance fee is £35approx (depending on exchange rate) and although it is pricey it is for the whole day, although food and drinks are not included. There are lockers at the front of the park as you walk in and they are quite big, big enough to have all your clothes and a bag in anyway.
There are 6 restaurants throughout the park to choose from, they offer burgers and chips, pizza, salad, ice creams and refreshments, like any theme park, food is quite pricey but nice, I had some chips and really enjoyed them, we were drinking more than anything due to the heat and obviously we didn't want to get sun stroke or de-hydrated.
There are 5 shops on site as well, offering souvenirs and swimming costumes and all your water needs including towels, goggles etc. Personally we weren't bothered and didn't buy anything.
The biggest worry I had was keep cash on us, but as you enter you are given a waterproof band to wear on your wrist and you can buy anything from food to gifts on it, and settle the account at the end of the day. It is a great idea and then you don't have to worry about going back to the lockers to get cash or worse still losing money on any of the slides.
The park itself has 30 rides and is advertised as the only water park in the world with water slides that shoot you upwards not down. The rides include:
The Master Blaster
Jumeirah Sceirah
Juha's Journey
Breakers Bay
Wadi Wash
Flood River
Ring Rides
Juha's Dhow and many more.
We visited the park in August and it opened at 10am and closed quite late, 8pm, by this time it's dark and the Burj Al Arab is all lit up, which is an amazing site especially as we were running around below it.
The only thing I would say is perhaps don't wear your skimpiest bikini, I wore a rainbow bikini that wasn't in hindsight the best idea, due to the heat (50 degrees) you can imagine we dumped our towels in a locker at the entrance as we thought we'd dry off in the sun, we did. However the locals, are mostly Muslim and the women actually wear full burka's or wet suits (in 50 degrees of heat) in the water and around the water park in general. So perhaps the guys just aren't used to women's flesh but boy they don't mind making you feel uncomfortable about it.
I am not complaining or moaning as I know the culture is vastly different the only problem being my ignorance and completely forgetting if I'm honest where I was and acting like I would in the UK or somewhere less different to the UK. Anyway it can be very intimidating, I personally didn't feel comfortable and would advise girls to cover up as much as possible, it can be scary.
My only disappointment about this park particularly is that some of the rides, more so the ring rides, you sit in an individual ring and when you start from the bottom you know you're all heading up in the same direction, on some rides though you get mid way and there are different routes, it is NOT GOOD when you get split up, i.e. Me up one and my boyfriend on another, and both ending in completely different parts of the park, and not finding each other due to both walking around and missing each other. PICK A MEETING PLACE. It was horrid and probably more scary being on my own and gawped at.
Themed around the tale of Juha, a popular character from Arabian folklore, the waterpark boasts 30 rides and attractions situated within the only themed amusement park in the UAE.


text:
This script is Copyright (C) 2012-2016 Tenable Network Security, Inc.
Synopsis :
The remote Scientific Linux host is missing one or more security
Description :
Moritz Jodeit discovered a denial of service bug in the tcpdump IEEE
802.11 processing code. An attacker could inject a carefully crafted
frame onto the IEEE 802.11 network that could crash a running tcpdump
session if a certain link type was explicitly specified.
An integer overflow flaw was found in tcpdump's BGP processing code.
An attacker could execute arbitrary code with the privilege of the
pcap user by injecting a crafted frame onto the network.
In addition, the following bugs have been addressed :
- if called with -C and -W switches, tcpdump would create
the first savefile with the privileges of the user that
executed tcpdump (usually root), rather than with ones
of the pcap user. This could result in the inability to
save the complete traffic log file properly without the
immediate notice of the user running tcpdump.
- the arpwatch service initialization script would exit
prematurely, returning a successful exit status
incorrectly and preventing the status command from
running in case networking is not available.
See also :
Solution :
Update the affected arpwatch, libpcap and / or tcpdump packages.
Risk factor :
Medium / CVSS Base Score : 6.8
Family: Scientific Linux Local Security Checks
Nessus Plugin ID: 60310 ()
Get Nessus Professional to scan unlimited IPs, run compliance checks & moreBuy Nessus Professional Now


text:
TOKYO -- The first Japanese version of a Wal-Mart supercenter -- operated by Seiyu, a major supermarket chain now under the umbrella of its largest shareholder, Wal-Mart Stores, Bentonville, Ark. -- debuted earlier this month in the city of Numazu, southwest of Yokohama.
The one-story, 87,000-square-foot supercenter, modeled after the ones operated by Wal-Mart in the U.S., has all merchandise -- from food and clothing to home products -- displayed on one floor. The Numazu store is a "


text:
ATLANTIC CITY - The Atlantic City Indoor Races already were a big deal.
The featured race, the Gamblers Classic on Saturday, was first held at historic Boardwalk Hall in 1938. The midget cars draw big names from around the auto racing world.
This year, though, the event - which starts at 7 p.m. today - means a bit more.
"This is the Super Bowl," event organizer Len Sammons said Thursday.
That's because this year the two nights of races at the hall are the culmination of the inaugural Fatheadz Eyewear Indoor Racing Series, which also features events in Providence, R.I., and Baltimore.
Sammons has run the Atlantic City Indoor Races since 2003.
The Gamblers Classic had been on hiatus since 1981 before he took it over.
"Atlantic City was always the stalwart of indoor racing," Sammons said. "We took it over, this is our 11th year, and the drivers kept asking for more races."
So five years ago, Sammons started the Providence event, which this season was held on New Year's Eve.
And this season he added Baltimore for the first time, in November. With the third and fourth races today and Saturday at the Hall, there was enough for a series.
The series has Three-Quarter Midget and Champ Kart divisions.
The Atlantic City Indoor Races also include 600 Micro and Slingshot classes. The Gamblers Classic is Saturday's Three-Quarter Midget race.
"It's pretty cool," driver Ryan Smith said. "You're chasing points. You're doing three, four races. It makes almost like a little season out of it."
NASCAR Whelen Modified Tour star Ted Christopher leads the Three-Quarter Midget standings with 190 points after finishing fifth at Baltimore and winning at Providence. Anthony Sesely (170) and Matt Janisch (160) are his closest competitors.
Christopher has won the Gamblers Classic twice. His team co-owner, Don Preece, said Christopher should be the favorite in both Three-Quarter races this weekend, but this year might be the toughest yet because the racers were able to use the previous two races as tuneups.
"The caliber of driver is better," Preece said. "The caliber of car is better. People are really stepping up their game."
The fact remains that for most of the drivers, this is something they do on the side. Most of them race in bigger series whose seasons start soon, such as the Whelen Modified.
The indoor races provide entertainment and a way to stay in shape in the offseason.
For that reason, Sammons said don't expect his series to expand in the future. Instead, he's focusing on developing the three events further. His goal is to eventually get at least the Atlantic City races on television.
"We're developing new fans," Sammons said. "You can have little alternate races to build the momentum up and then you come for the big race at the end of the year in Atlantic City."
In reality, drivers said, that is what the Baltimore and Providence races are: A tuneup for Boardwalk Hall.
"If I was to win one, it'd be here," Smith said. "This is the predominant race to win."
Contact Jason Mazda:
Atlantic City
Indoor Races
What: Midget cars and go-karts
Where: Boardwalk Hall, Atlantic City
When: 7:30 p.m. today (practice starts at 1 p.m.) and 7 p.m. Saturday (qualifying starts at 3 p.m.)
Tickets: $17-$27 for today, $20-$30 for Saturday ($2 more if purchased on Saturday), available through Ticketmaster and at the Boardwalk Hall box office.


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Payne funded by Guilford County Partnership for Children
Dr. Chris Payne (Center for Youth, Family, and Community Partnerships) received funding from the Guilford County Partnership for Children for the project "Promoting Positive Development: Bringing Out the Best." Social-emotional development and school readiness/success in young children is clearly linked with children who have behavioral or emotional challenges being at risk not only for later mental health challenges but also for school failure. This project will increase school readiness/success by improving the quality of the daycare/preschool experience for these infants and young children, the abstract notes.
Additionally, Payne received funding from the Guilford County Partnership for Children for the project JCITI: Supporting Vulnerable Children and Families. The purpose of the Juvenile Court Infant Toddler Initiative (JCITI) is 1) to increase awareness among all those who work with maltreated infants and toddlers about the negative impact of abuse and neglect on very young children, and 2) to change local systems to improve outcomes and prevent future court involvement in the lives of very young children, thereby reducing the risk for abuse and neglect among infants and young children in Guilford County.


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Viewpoint: Investment in our students is vital to the future
Published 3:13 pm, Monday, March 18, 2013
Visiting schools across San Antonio—from Sam Houston High, Bowden Elementary, and Highland Hills Elementary to Washington and Schulze Elementary schools, I have spoken of the importance of investing in our vital neighborhood public schools, teachers, and students.
Early Childhood Education is a family tradition. During his State of the Union address, President Barack Obama discussed the importance of equipping our nation's children with the tools they need to succeed in school from the very beginning and empowering parents to give their children every opportunity to achieve their God-given potential.
Early childhood education is not just a policy for my family, it is a tradition. My wife Libby was a first grade bilingual teacher before becoming a national leader in pre-k education.
Currently, she connects some our most vulnerable families to a range of services to better ensure their children are healthy and prepared for school and life. My daughter Cathy is also a leader in early childhood education.
Investing in education is the key to keeping Texas and America on the cutting-edge and competitive.
Local Channel
- Two arrested for sex trafficking after girl reportedly escapesmysa
- SAPD remembers Detective Marconimysa
- Man accused of fatally shooting S.A.-area teen arrestedmysa
- Simulation: Harvey-level storm floods in San Antoniomysa
- Eddie Van Halen's $100K guitar stolen from Hard Rock Cafemysa
- Lt. Gen Steven Kwast takes reins of air education and training commandpremiummysa
- Mi Tierra customer performs knockout mariachi serenademysa
- SAPD: Convenience store employee assaulted child in back roommysa
- Amber Alert Rescue missing childrenFox7
- 5 Things to know about the supermarket chain Lidlmysa
San Antonio has made pre-k a priority—and I am sure that this effort, coupled with my commitment to these initiatives at the federal level, can make a real difference for some of our youngest Texans.
More education is a key to "more opportunity" in life. In previous State of the Union addresses, Obama spoke of his support for my "more education"— or American Opportunity Tax Cut that is good for $2,500 toward the cost of tuition and textbooks for students seeking more education after high school at places like the University of Texas at San Antonio and Alamo Colleges.
Though this vital tax cut was recently extended for five years in legislation to avert the so-called "fiscal cliff," it is my hope that Congress can come together on a bipartisan basis to make it permanent.
Every student should be able to achieve as much education for which he or she is willing to work.
Finding a balanced solution on sequestration to avoid education cuts is important.
I expect that on both sides, there's been some overstatement, but I believe that the effect on public services like our vital neighborhood public schools over the next several months is a significant one and that we can avoid it if we have a combination of spending and revenue changes.
Texas will lose approximately $67.8 million in funding for primary and secondary education. Head Start and Early Head Start services would be eliminated for about 4,800 children in Texas.
I recently voted against the Republican's bill to continue to fund the government through the end of the fiscal year because it locked these spending cuts, or sequestration, in place. Instead, I continue to work on a balanced solution to end the sequester immediately.
Whether working to ensure the federal dollars for Texas schools actually go to help in our classrooms or funding more programs like Head Start and Early Head Start in San Antonio, I am committed to putting our students first.
U.S. Rep. Lloyd Doggett is congressman for Texas' 35th Congressional District that includes parts of the San Antonio metropolitan area.


text:
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text:
To those engaged in such a clamor over the massive collection of phone records constituting an invasion of their privacy, I would ask them to consider the following: With a billion new bits of such data a day, it has to be obvious that
human eyes could only look at a tiny fraction of that huge universe.
And, the few records actually accessed are only if there is a known terror connection ("Lawmakers briefed on NSA programs," June 12) and that can only be done under a legal court sanction. No content is available, so the government is not going to know about your Aunt Suzy's secret sauce recipe.
Now contrast the hue and cry over the NSA with the reality that we have all been grudgingly accepting of the serious breaches of our privacy when the TSA rightfully inspects our person and all of our personal effects every time we fly. I believe both processes are warranted for our security, but the phone stuff is nothing compared to what we live with at the airport.
Bill Leonard
Del Mar Heights
President Obama's defense of mass telephone surveillance is completely bogus. It's good, if true, that the National Security Agency isn't listening to the content of everybody's calls. Nevertheless, by tracking who calls whom, the program abuses the right of assembly. It lets the government map out every connection we make. That capability will inevitably be abused to persecute those whose legitimate political activity happens to be inconvenient to somebody in power. Protesters, advocates for peace, transparency, labor and human rights, even environmentalists at odds with powerful interests are all potentially at risk. Mass surveillance, even if it only uses metadata, makes perilous the peaceable political agitation without which our democracy will fail.
William F. Avrin
San Diego
Edward Snowden is neither traitor nor hero. He's a "red herring" designed to take the heat off President Obama and (Attorney General) Eric Holder.
Snowden only released an overview of the program that has been in effect since 1978. He has not given any specifics. This is the first "scandal" of the Obama administration that the left/Democrats have not circled the wagons around Obama but rather condemning it with faint outrage.
Snowden himself is out admitting to the "leak" and acting self-assured and that prosecution is not his concern. Obama/Holder were on the national hot seat and directly involved with the IRS mess, whereas, they are not directly involved in the NSA revelations. This is another cover-up with a new twist. If only the Obama administration could run the country as well as it can cover up its illegal screwups!
Richard Anaya
El Cajon


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Anyone who has read George R.R. Martin's "A Song of Ice and Fire" novels already knew what type of happy endings (or lack thereof) to expect when the first season of HBO's uber popular "Game of Thrones" series debuted two years ago. In short: a highly detailed fantasy world where the good guys don't always win, and the bad guys don't always lose. Hell, I think over five books, the bad guys actually win more than the good guys! (Or at least, it seems that way.)
But what if you had never read the books and were introduced to the wonderful world of Westeros through the show? I think your reaction might be a little something like this mash-up of "The Princess Bride" and plot points from "Game of Thrones".
I don't even wanna imagine Buttercup and Wesley stuck in the "Game of Thrones" world. Who wants to see Prince Humperdinck win and enslave Buttercup? Imagine all the, er, dirty things he'd do to her. (I bet ol George could envision that, though…)
"Game of Thrones" Season 3 commences this March 31st on HBO.
Via : io9


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Virgin birth not just a by-product of captivity
Snakes in the wild sometimes forgo the mom-and-dad method of reproducing and have babies without having sex, researchers have confirmed with genetic testing.
Occasional no-sex reproduction has been seen in captivity among snakes, Komodo dragons and sharks. But until now there has been no conclusive evidence for wild virgin birth among species that normally reproduce sexually, says Warren Booth of the University of Tulsa in Oklahoma. (In about 80 kinds of vertebrates, a single sex carries on the species quite well on its own.)


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SOMETIMES the best ideas just pop into your head.
Three Adelaide entrepreneurs have developed a hi-tech toaster that may be the best thing since sliced bread - or at least since the invention of the pop-up toaster nearly 100 years ago.
Employing sensor technology to determine exactly how toasted the bread is, rather than simply how long it's been toasting as appliances do now, the toaster developed by SA firm SensAbility has earned the company a $50,000 State Government grant to develop its product.
The idea was inspired by Dr Andrew Richardson's complaints to his colleagues that his landlord's habit of freezing bread meant the toaster's timer was set too high and he'd have burnt toast for breakfast.
Co-founder Dr Sean Manning said he, Dr Richardson and Dr Kristopher Rowland thought there must be a way to use technology to overcome this and, three years later, they are almost ready to market a toaster that will stop toasting once the desired shade is reached.
"The biggest problem with bread is there are so many different sorts," Dr Manning said.
"If bread is a little stale it will take less time to cook and raisin toast tends to burn quickly because of all the sugar, whereas when bread is frozen it takes longer," he said.
He said changing the dial on conventional toasters only adjusted the length of toasting time, but the sensor technology would make sure toast always came out the same shade, no matter what sort of bread was used.
Skills Minister Grace Portolesi said sometimes it was the small things that made a big difference to everyday living.
"We have great talent in SA and the government is pleased to support businesses like SensAbility to develop their ideas," she said


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Neil Lennon leaves Celtic after almost four years in charge at Parkhead
NEIL LENNON has quit Celtic after four years in charge at the Scottish club - but insists he has no new job lined up even though he says he wants a fresh challenge.
Lennon's agent Martin Reilly said that after three title wins, the former club captain had decided he wanted something new..
"Four years is a good spell to be manager of a club like Celtic but now Neil wants to look ahead to the next chapter of his career," Riley said.
Reilly insists his client has not agreed to any job offer yet while Lennon himself wouldn't rule out a return to Celtic at some in the future.
Reilly added: "He has nothing lined up. He just feels now is the time to move on to the next challenge."
In a statement, Lennon said: "I can't thank Peter Lawwell and the board enough for their backing and support during my time as manager.
"The club are in a very strong position and I wish the fans and the club all the very best for the future."
The club has yet to confirm his departure but is expected to make a statement later today.
Lennon, a former Northern Ireland international, has been in charge at Parkhead for just under four years.
The 42-year-old has been heavily linked with a move to relegated English side Norwich City and top flight West Bromwich Albion, while his former Celtic team-mate Henrik Larsson emerged as the surprise bookies' favourite to succeed him at Parkhead and is now as short as 8/15 favourite.
Larrsson is currently in charge of Swedish club Falkenbergs. STV quoted the retired striker - who struck 242 goals in 315 games during seven seasons in Glasgow - as saying: "I can see myself back at Celtic, whether it's now or in future, time will tell.''
"There may be a lot of rumours in Scotland but nobody is talking about it in Sweden. I talk to Henrik every day but we have not spoken about the Celtic job," Falkenbergs sporting director Hakan Nilsson told the Daily Record.
"There has been no contact from Celtic."
Lennon won five top flight titles, four Scottish Cups, two League Cups and reached a UEFA Cup Final during his playing days with the Bhoys.
During his tenure as manager, Lennon has led Celtic to three straight SPL titles, the knockout stages of the Champions League and a memorable win over European giants Barcelona.
He has also won the Scottish Cup on two occasions although the domestic cup competitions have remained a stumbling block.
This season Celtic were knocked out of the League Cup at home by relegated Championship side Morton and out of the Scottish Cup by Aberdeen.
Lennon originally signed as a player for the Glasgow giants in 2000 during Martin O'Neill's reign as Parkhead boss.
He won five titles in seven seasons and helped the club reach the 2003 UEFA Cup Final.
He left the club in 2007 to join Nottingham Forest but was later tempted back to Celtic Park a year later when Gordon Strachan offered him a role on the Hoops' coaching staff.
But after Mowbray's disastrous reign ended following a 4-0 humiliation away to St Mirren in March 2010, Lennon was given the top job.
He suffered an embarrassing Scottish Cup semi-final defeat to Ross County just three games into his stint in charge and was pipped to the Scottish title by Rangers a year later after his first full season in charge.
But at the end of that season, he told the Parkhead crowd: "This is not the end, it's just the beginning."
He stayed true to his word as he became only the fourth Celtic boss to lead the club to three titles in a row, joining Willie Maley, Jock Stein and Strachan in an exclusive club, as he made the most of Rangers' demotion to the bottom tier of the Scottish game.
However, controversy has never strayed far from Lennon during his time in Scotland.
He was given a four-match touchline ban following a spat with then Ibrox assistant manager Ally McCoist back in March 2011.
That same month, a parcel bomb addressed to the Celtic boss was intercepted by Royal Mail staff, while he was attacked in the dug-out at Tynecastle in May of that year after a supporter leapt from the Hearts end and charged straight for him.
Despite those ugly incidents, Reilly insisted Lennon had enjoyed his time in Glasgow's east end.
"It's been a fantastic journey for Neil since at Celtic," he said.
"He's enjoyed his time as a player, coach and now manager of the club and it's been fantastic for him.
"He has had good backing from the board and believes Celtic is a fantastic club, one of the biggest in the world. He wishes the club and the board all the very best for the future."
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A FAMILY from Colne are celebrating after their little battler took his first steps using prosthetic legs.
Brave Louie Jenkins, of New Bath Street, was forced to have his legs amputated below the knee when he contracted meningitis one year ago.
The tot, who is now 18-months-old, also lost fingers on his left hand and the tips of fingers on his right.
But showing just how far he has come, the youngster, who loves dancing and listening to music, has defied the odds and started to walk independently — leaving his mum Julie (30), dad Warren (31) and sister Francesca (6) delighted.
The next step, according to Julie, is to get the youngster, who regularly attends physiotherapy sessions, to stand up by himself.
Julie, who with the help of her family set up the Little LAMB (Louie's Amazing Meningitis Battle) Appeal to raise funds for Louie, said: "It was fantastic, and it is really the next step. It is a wonderful thing to see.
"We have been doing quite a lot of work with his balance and his walker. We would never have thought that in a year he would be in this position.
"We always had it in our mind, but we didn't think it would happen as quickly as it has done.
"It is a case now of getting the right legs for the right activities. "
Next week Louie, who started private swimming lessons late last year, will be visiting the hospital so that he can test a new pair of stronger prosthetic legs.
It is hoped that by the time he gets older, there will be enough money to buy specialist legs for when he wants to play sports. The legs are valued at around £7,000 each.
Louie's story is regularly updated on the Little LAMB Appeal's Facebook page, which was set up to raise awareness of the signs, symptoms and conditions caused by meningitis and meningococcal septicaemia.
Recently writing to Louie on the Facebook page, Julie said:"Something that has come from this disaster is our families strength to get through the tough times and teach people about what has happened to you and the signs and symptoms to watch out for.
"It is my dream that you will have the same strength that we have acquired and will grow up a confident young man who is very proud of everything he is and can do.
"Please ensure if someone around you is ill and suffering from flu like symptoms, keep an eye on them and check for meningitis symptoms."
Also thrilled with the news of Louie's progress is Pendle MP Andrew Stephenson, who said: "I know the story about Louie touched many people's hearts and that it was touch and go whether he'd survive.
"I'm delighted to hear he's progressing well with his prosthetic legs. I would encourage people to join the Facebook group and help support the LAMB campaign. I wish Louie and his family all the best for the future."
To make a donation e-mail Julie on firstname.lastname@example.com


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Paris Takes Her Self Promotion to New Heights
Paris Takes Her Self Promotion to New Heights
In addition to endorsing her line of hair extensions at the 41st Cosmoprof Fair in Bologna, Paris Hilton proudly wore her name on her chest (in hot pink, no less) and casually sipped on her own canned prosecco. It's a rare day that Paris doesn't make her presence known, but now she's going to have to work overtime. Apparently Mischa Barton is about to join her as a fellow groupie girlfriend, following around her own boyfriend whose band Rooney is opening for Good Charlotte. Paris is already jealous about sharing the spotlight, but we think they should just open up some more prosecco and call a truce.
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Things To Do In Dallas Tonight: Oct. 8
Happy Columbus Day. I plan on watching that not-great film starring Val Kilmer in celebration. Since it's a heist movie, it's actually only unrelated if you don't consider Christopher Columbus' discovery of America some sort of elaborate land theft. But for now, excuse me while I interrupt our regularly scheduled things to do missive for the tweeny version, just for a second.
Because, well, if you know/live with a Nickelodeon fan, chances are you've at least seen bits and pieces of the show Victorious. And have an inkling about the show's star, Victoria Justice, who happens to be out and about promoting her new movie, Fun Size, in theaters later this month. Justice will be at the State Fair tonight, acting as master of ceremonies for the nightly Reliant Starlight parade around the grounds, and then she'll do a Q&A with Billy the Kid on the Chevrolet Main Stage. The parade kicks off around 7:15 p.m., she'll be on stage around 8 p.m. And if you're planning a trip to the fair anyway, check out Carol's compilation of healthier food options (with a printable, pretty PDF).
Meanwhile, it's a good day for families with younger kids to visit the Dallas Arboretum, since they've got tons of activities planned around their Autumn at the Arboretum pumpkin extravaganza, and two concerts with children's entertainer Eddie Coker all lined up. There's a petting zoo, face painting, and arts and crafts until 2 p.m.
Over in Deep Ellum, New Jersey's Screaming Females play Club Dada. There's only one female in the group–lead singer Marissa Paternoster, and back in May, she made Spin Magazine's list of the 100 Greatest Guitarists of All Time. You could do way, way worse things tonight than checking out this show. The Chloes and War Party support, and as always, I highly recommend drinks a couple doors down at Black Swan Saloon.
For more to do tonight, go here. For other State Fair events, go here.


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Zafu Meditation Cushion - KapokThe Zafu meditation cushion is designed to maintain good posture and ease pressure on legs and knee joints. This Zafu cushion features a soft, yet durable cotton twill fabric cover. The Zafu is filled with nearly 3 pounds of Kapok, a natural tree fiber found in Indonesia. Zafu measures 16" in diameter and 6" tall. The zafu has a convenient side handle for easy portability to your favorite meditation space. Our Zafu features a concealed zipper allowing easy removal for cleaning or to adjust the volume of the filling.
Available in your choice of colors: Burgundy, Navy Blue or Zen Black.
SALE $29.95(Reg. $34.95)


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Slayton v. Universal PropertyAnnotate this Case
Download PDF
IN THE DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA FIFTH DISTRICT JULY TERM 2012 NOT FINAL UNTIL TIME EXPIRES TO FILE MOTION FOR REHEARING AND DISPOSITION THEREOF IF FILED THERESE SLAYTON, Appellant, v. Case No. 5D11-2716 UNIVERSAL PROPERTY AND CASUALTY INSURANCE COMPANY, Appellee. ________________________________/ Opinion filed November 30, 2012 Appeal from the Circuit Court for Orange County, John Marshall Kest, Judge. Jeremy L. Hogan, Orlando, for Appellant. Jason R. Urbanowicz, of Rissman, Barrett, Hurt, Donahue & McClain, Orlando, for Appellee. EVANDER, J. Therese Slayton appeals from the entry of a directed verdict in favor of Universal Property and Casualty Insurance Company ( Universal ) on her breach of contract claim. The trial court concluded that Slayton did not establish that the insurer had failed to comply with the terms of the insurance policy in question. We affirm. It is undisputed that on April 15, 2009, Universal issued a homeowner s insurance policy to Slayton covering her Orlando home. The policy provided that the covered property losses to buildings would be settled as follows: b. Buildings under Coverage A or B at replacement cost without deduction for depreciation, subject to the following: (1) If, at the time of loss, the amount of the insurance in this policy on the damaged building is 80% or more of the full replacement cost of the building immediately before the loss, we will pay the cost to repair or replace, after application of deductible and without deduction for depreciation, but not more than the least of the following amounts: (a) The limit of liability under this policy that applies to the building; (b) The replacement cost of that part of the building damaged for like construction and use on the same premises; or (c) The necessary amount actually spent to repair or replace the damaged building. On July 25, 2009, Slayton s home suffered damage from a windstorm. Universal estimated that the cost of repair would be $28,915.87. Slayton, however, submitted an estimate prepared by a public adjuster for $61,638.00. Universal subsequently tendered a check to Slayton in the amount of $27,915.87, the total of Universal s estimate minus the $1,000.00 deductible. On February 10, 2010, Universal notified Slayton in writing that the amount of $27,915.87 does not necessarily constitute a full and final settlement of your claim for damages associated with your claimed loss and that Slayton could submit supplemental claims for any damages discovered in the covered reconstruction and repair of the above mentioned property. 2 Slayton negotiated the check but did not submit any supplemental claims to Universal. Instead, on March 29, 2010, she filed the instant lawsuit and the case ultimately proceeded to trial. At the conclusion of Slayton s case, Universal moved for a directed verdict arguing, inter alia, that its decision to pay the amount of its estimate (less the deductible) and then consider supplemental claims for additional damages discovered during or arising from the repairs was consistent with the terms of its insurance policy. That argument had merit. The insurance provision cited above unambiguously limited Universal s liability for the replacement or repair costs to the lesser of the policy limits, the replacement costs for like construction and use, or the necessary amounts actually spent to repair or replace. On appeal, Slayton argues that the provisions cited above violated section 627.7011, Florida Statutes (2009).1 Specifically, section 627.7011(3) states: (3) In the event of a loss for which a dwelling or personal property is insured on the basis of replacement costs, the insurer shall pay the replacement cost without reservation or 1 Section 627.7011 was substantially altered by the legislature in 2011. Among the changes, the 2011 amendment deleted subsection (3) and substituted the following: (3) In the event of a loss for which a dwelling or personal property is insured on the basis of replacement costs: (a) For a dwelling, the insurer must initially pay at least the actual cash value of the insured loss, less any applicable deductible. The insurer shall pay any remaining amounts necessary to perform such repairs as work is performed and expenses are incurred. If a total loss of a dwelling occurs, the insurer shall pay the replacement cost coverage without reservation or holdback of any depreciation in value, pursuant to s. 627.702. 3 holdback of any depreciation in value, whether or not the insured repairs the dwelling or property. We decline to address Slayton s argument because the limited record provided to us reflects that this argument was not preserved below. See Sunset Harbour Condo. Ass'n v. Robbins, 914 So. 2d 925, 928 (Fla. 2005) ( In order to be preserved for further review by a higher court, an issue must be presented to the lower court and the specific legal argument or ground to be argued on appeal or review must be part of that presentation if it is to be considered preserved. (quoting Tillman v. State, 471 So. 2d 32, 35 (Fla. 1985))). Our decision does not preclude Slayton from submitting supplemental claims to Universal. It does preclude Slayton from recovering for attorney s fees incurred in pursuing the action below or for this appeal. AFFIRMED. GRIFFIN and BERGER, JJ., concur. 4


text: FOR IMMEDIATE RELEASE CIV THURSDAY, APRIL 24, 1997 (202) 616 2765 TDD (202) 514-1888 SHREVEPORT ATTORNEY PAYS $130,000 TO SETTLE HOUSING FRAUD SUIT WASHINGTON, D.C. -- A Shreveport, Louisiana, attorney will pay the United States $130,000 to settle allegations he assisted in a fraudulent scheme to illegally obtain Federal Housing Administration (FHA) insured mortgages, the Department of Justice announced today. Assistant Attorney General Frank W. Hunger of the Civil Division and U. S. Attorney Michael D. Skinner of Shreveport said the agreement settles claims that William Robert McKenzie defrauded the FHA by assisting former Shreveport real estate developer Michael Willis in fraudulently obtaining favorable FHA mortgages on 25 townhouse properties in the same subdivision in 1985. FHA regulations prohibited a single individual from obtaining mortgages on more than seven properties in a single subdivision. The government alleged that Willis, with McKenzie's knowledge, paid a number of individuals to act as "straw buyers" for the properties to evade the seven property restriction. In exchange for a payment of $2,000 from Willis, the fictitious buyers used their good credit records to obtain approval for FHA- insured mortgages. The FHA is a Department of Housing and Urban Development agency which enables people with low incomes to purchase homes by insuring their loans. At the real estate closing in McKenzie's office, the straw buyers immediately conveyed the properties back to Willis, who made all down payments and closing costs, even though documents submitted to HUD falsely stated that the straw buyers were the real mortgage holders. The mortgages eventually went into default, and the FHA was forced to pay insurance claims on the loans. The agreement settles a suit, United States v. William Robert McKenzie, filed by the Department in U.S. District Court in Shreveport. The case was conducted jointly by the Department's Civil Division and the U.S. Attorney's office in Shreveport with the assistance of HUD's Office of Inspector General in Ft. Worth, Texas, and HUD offices in Shreveport and Washington, D.C. ##### 97-172


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The Most Misleading Health Food Claims
"Whole grain"
Companies love to slap this term on labels because fiber-rich whole grains are healthier than refined grains and flours. But don't be fooled: They'll claim "made with whole grains" even if they use mostly highly processed white flour and then add a pinch of whole grains at the end. The term "multigrain" is misleading, too. It usually means that a product contains refined wheat and corn flours – but not whole grains. The only claim you can trust to be healthy is "100 percent whole grain."


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Archive for Thursday, May 29, 2008
Johnson County Sheriff's report
May 29, 2008
Tuesday, May 27
3:37 p.m., non-injury accident, 200 block E. K-10, De Soto.
Friday, May 23
10:30 a.m., auto theft report, 31200 block of W. 83rd Street, De Soto.
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about the experience
For many, the Taji 100 Challenge is among the most difficult and most challenging events they will ever face. One hundred miles in twenty-eight days is not for the squeamish, the weak, or the unfocused. You come out on the other side of mile 100 a different person, a better person. We think our past runners say it best:
— Megan W, San Francisco, CA
— Shelly R
"I'd like to take a moment and reflect on the inaugural Taji 100 challenge last February. Put simply, it's an amazing and simple challenge – walk, jog or run 100 miles during the month. As a guy who didn't run much, this program got me out and about, despite extremely cold temps on the East Coast. After getting used to making exercising a routine, I used Taji 100 to motivate myself to drop 20+ lbs!!! Lastly, the idea of getting a bunch of people together with one common goal, really helped motivate me when it would have been easier to watch TV !!! Thanks a million to Paul, Coach "B", Ali, Coach "J" and the new friends I acquired a year ago. I look forward to February!!!! "
— Denny the Bull, Baltimore, MD
"The Taji 100 was a great race to participate in because it helped keep me running and walking during the cold, winter months. I set goals for myself each week and each day so that I could finish the 100 miles in a month and felt satisfied reaching it. This is an event that can be accomplished by anyone that puts their mind to it! "
— Diana K, Silicon Valley, CA


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personal finance: FSA iii RDR
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The Ermine takes the shaft from the RDR and the FSA
Stirred from its long slumber of ages, the Financial Services Agency has decreed that trail commission has been a scam. And that It Will Stop, Forthwith.
And I've just taken the shaft. Not in a huge way, but it still pissed me off. I've always been a firm believer that organisations that charge me money just to hold an account with them are taking the mickey and to be avoided. I don't mind paying for a service when I use it, but paying just because the account exists hacks me off.
Which is why I've used iii for my ISA. You can get more touchy-feely service with the likes of Hargreaves Lansdown but in the end as Monevator/TA keep on reminding us, fees kill your returns.
III didn't charge any annual fees and their per-trade charges of £10, while not the lowest were reasonable. It appears what made this possible was the trail commission on active funds paid by other people 😉
I was dismayed to receive a missive (appended at the end of this post) to the effect that iii were going to charge £80 annually as well as £10 per trade. Geez. Thanks, guys. The only thing that is stopping me telling Tomas Carruthers to stick his fees where the sun doesn't shine is that all other ISA platforms are probably either dearer or moving to charging annually (many others do). It is only when all this kerfuffle has settle down in a year or so that it's worth looking at alternatives.
Moving a S&S ISA is a major pain, because you usually get ripped for a transfer cost per holding. So you have to sell everything down to cash, so a S&S ISA transfer to new provider, and then recreate your ISA on the new platform. Or not, if you come to the conclusion you don't want the same holdings though then you should ask yourself the question why didn't you change this on the old platform 😉
That of course invokes two lots of dealing charges plus a 0.5% hit on the total value from stamp duty. Even in the case of my modest 30k ISA that alone is a £150 hit, so in practice S&S ISAs are sticky because of the cost and hassle of moving. You can open another one for future year's ISAs, but rebalancing across such an ISA estate gets hard and it's all a right pain.
There are other subtle changes here. For instance I will get right out of funds on iii as they are now charged at the same rate as ETFs. I will sell my HSBC FTAS trackers holding I have built up over the last year or so and buy the corresponding Vanguard ETF product. The historical fund preference over ETF logic because of the absence of trading costs has now been eliminated, and the forward pricing model of funds is not worth tolerating so I may as well minimise the TER.
I may have to find another platform and use DW's ISA allowance to implement this approach to Grexit – I was about to start doing it for European index funds in my iii ISA but that's been KO'd now. Of course, there are no guarantees that another platform may not do the same as III and start charging dealing charges on funds, so all in all I could have done without the friendly help of the FSA's RDR to queer the pitch at this interesting time. Perhaps RDR will hammer the very raison d'etre of index funds as opposed to ETFs.
Anyway, here's what III have to say:
Dear Ermine,
Here is a message from the CEO describing just how we are going to obfuscate our previously simple offering to you. We will obscure things by bundling some services, charging more for others and complicating the process of comparing our charges with other ISA providers. Of course we are going to make out that we are doing you a favour, but basically we want you to trade a lot more often so as we get more money. Geddit? No, well, what we will do is charge you for two trades a quarter, constraining what you can do, and enticing you to churn more. Oh and we'll wrap it all up in fluffyness of how we believe in the stuff we've been forced to do. Unfortunately, Mr Ermine, you weren't using any of the funds that we were stealing some of the proceeds from every year, because you identified them as a ripoff. So you get to take the shaft, this time, buster. That OK with you? Because if not you know what you can do but it'll cost ya. Bwahahahahahaha
Obviously they didn't say that, and dressed it up somewhat, but I think my version is more succinct a summary 😉 I've critiqued the Tomas Carruthers' missive describing how I will be shafted in future using this colour.
Dear Ermine
Thank you for investing with Interactive Investor. More than ever individuals need to take increasing control of their own financial futures as successive governments and employers reduce their responsibilities in this area.
At Interactive Investor we consider it our duty to provide you with the dealing tools and information you require to actively manage your financial future, to do so with confidence and charged at a fair price. This is why we are now announcing important changes to our charging structure to take effect from 1 July 2012.
Funny you should say that, Tom old boy. Maybe the Ermine is getting a bit simple in his old age, but no annual fee and a straight £10 a trade charge or £1.50 batch trade sounded a lot more like a fair price than £80 a year whatever I do even if I don't trade at all. This. Is. Not. An. Improvement.
New Pricing Changes
We are introducing a quarterly fee of £20, which gives you:
The first two real time trades (funds or equities) you make in each quarter, or
A combination of regular monthly investments and real time trades up to the value of £20 in each quarter.
To buy or sell funds we are introducing the standard charge of £10 for a real time trade or £1.50 for regular monthly investments.
Well that's just pissed on the fireworks of this idea then, looks like IG index or another ISA provider may get that business instead.
We will pass on to you ALL income we receive from any fund investment you hold with us. On a typical fund with a 1.5% Annual Management Charge, this would be 0.64% of your investment every year
This is in addition to our existing highly competitive pricing that you will continue to benefit from:
- Buying or selling shares at £10 per real time trade or £1.50 for regular monthly investments
- International share trading also at £10
- Our frequent trader rate, which allows you to buy or sell shares from just £5
Why introduce a £20 quarterly fee?
We believe that customers should be engaged with their investments and actively manage their portfolios. To support this, we are introducing a quarterly fee of £20. This fee is the only one we will charge you and you will not have to pay any other management, ISA or administration fee.
Ermine thinks to himself don't bullshit me Carruthers, you'll still charge me a dealing fee, which is not what the only fee we will charge you used to mean when I went to school!
If you already trade twice or more a quarter then this fee will make no difference to what you pay – it is effectively an advance payment of those first two trades for the quarter. If you are trading less than that then you will still have the right to your two trades in each quarter without any additional payment and hopefully feel encouraged to more actively manage your investments.
Well if you don't mind me saying, Carruthers, you are a most impudent little toe-rag telling me when and how often I should trade. While I am in no way a passive investor, I aim to be a catatonic trader once I am fully invested, and that decision is up to me, not up to you you slimy little berk. Have you ever heard of Warren Buffet's 20-ticket punch card investing model, ya sonofagun?
We will, of course, continue to provide you with the day-to-day custody services, including corporate actions and dividend processing, regardless of the investment types you choose.
We will repay all income we receive from your fund investment
We are not alone in believing that ongoing commission does not fit with independent investing. The FSA is banning it for investment business introduced by financial advisers from 1 January 2013. The FSA has not yet banned this income for execution only business, so we are leading the way by passing on all income that we receive back to our customers.
Writing, meet Wall is what I think you meant to say here Carruthers. Did it ever occur to you that salami-slicing your customer's property would normally be considered stealing in any other walk of life? Howsabout you give me 1% of your income to Ermine Enterprises, after all, I enable your nice li'l lifestyle Tom? No, thought not. So why did you think this was okay until you got told not to, hein?
Still, it's nice to see an old lag reformed, I guess, amazing what a little bit of heavy-handed regulation does to a chappy caught with his hand in the till. Any other offences you'd like the court to take into consideration?
Our competitors may repay a portion of the income they receive but do not always make it clear how much they are keeping.
No, you weren't that clear on that front either until your Damascene moment, oddly enough coinciding with when the FSA made you do it. Funny old world, Carruthers, isn't it?
We will pass on ALL of the income we receive on your fund investments. This can make a significant difference to your overall returns, for example:
If you invested £10,000 each year for the next ten years, the rebate you'd receive with Interactive Investor would be worth £3,520. After 20 years, the total rebate would be £13,440. See how much you can save with our income rebate calculator
Oddly enough this calculation never appeared before as the fact that some iii customers have been ripped to the tune of £3k over the last decade. It really is a strange world we live in today, don'tcha think, Tom?
If you have fund holdings elsewhere, you can benefit even more by consolidating your fund investments with us.
You do not need to take any action as these changes to pricing will take place automatically with effect from 1 July 2012. You can find out more information and contact details from the FAQs on our site.
Continuing to improve our service to you
We will also continue to introduce special trading days, new tools and research for trading customers to further support informed and confident trading decisions. For example:
- Our free ISA and free US stock trading days
- Our new mobile trading app available on iPhone and iPad being introduced this summer
- Privileged access to trading insights and new tools coming later this year
- Our recently launched model portfolios which invest in a range of different assets – and we'll continue to expand this range
All set up to jolly us along to trade more on the old 'special offer everything must go' model? What happened to the old KISS model you used to run round there parts?
When we set up Interactive Investor 17 years ago it was to let private investors control their own trading activities and financial future – something that barely existed at the time.
Hmm, and I was such a cynical sonofagun as to be under the impression you were in it for the money you could rake off rather than as such a social service. Life's such a bitch when you're so misunderstood Carruthers.
Nearly two decades later the investing landscape has changed beyond recognition. We intend to stay at the forefront of that change and work on your behalf to give you better trading access, information, value and service.
We look forward to supporting your trading and investment plans now and in the years to come.
Yours sincerely
Tomas Carruthers
Hi Ermine
TDWaterhouse could be worth a look. Providing you have £5,100 or more in the ISA there is no annual fee. The negative to them was that you couldn't hold Vanguard funds however now Vanguard have introduced ETF's buying Vanguard becomes a possiblility within the ISA.
The added bonus is that they also have no charge for hoding ETF's within the ISA unlike Hargreaves Lansdown who steal 0.5%.
As you know I'm really sensitive to fees and I'm happy with them (don't yet hold Vanguard though as that element of my portfolio is with SippDeal and the Vanguard ETF's aren't quite what I want or the lowest cost for me). Only negative seems to be that trades start at £12.50 but for somebody who also doesn't trade often the damage is minimised.
by Lemondy
I am in two minds about this.
On the one hand, £80/year seems like a hell of a lot.
On the other hand, I have no idea how much trail commission they are getting from my fund holdings, and I think transparent pricing is a good thing.
I suspect the platforms will all pitch their fees high in the race to RDR and hopefully they will come down a bit next year.
by Guy
Hi Ermine,
This is an issue that has been on my mind for some time now – I have a HYP-style ISA with one provider whose fee structure, amongst other niggles, has irritated me to the point of deciding to move. However, to do so I'll either have to cash everything in and transfer or pay the transfer fees, either of which will cost me hundreds of pounds.
This is one of several reasons for changing tack and following an indexing strategy (based on the Tim Hale portfolio from the excellent Monevator) but this raises a new quandary: making regular investments into ETFs would incur a trading charge, which is massive in comparison to the small monthly contributions. The best I could come up with, to be able to use Vanguard funds and at the same time to minimise costs, was to open a new ISA with BestInvest (quarterly fee of £12.50+VAT :/) and to use a (non-ISA) sharebuilder account for the ETFs, only trading quarterly to reduce the fees further.
Still haven't decided what to do with the HYP but the annual fee there is about 0.2% so not a massive deal.
Best regards,
by ermine
by Lemondy
"holding fee of 0%"
I'm pretty sure that is not the whole picture.
The platforms have been getting trail commission even from low-cost passive index funds. Have a look here:
The "supermarket fee" column is the trail commission received back by the platform. That is 0.1% for all the HSBC index funds.
So you would need to have £80K in HSBC index funds you should get £80/year back in trail commission via iii, I think.
Hi Ermine,
I got the email yesterday too and spent the night crying. I used to be such a supporter of interactive investor but since the change of platform, they've become a nightmare to deal with. I had a count up of times I've had to ring or write to them about missed dividends, dividend re-investments not working, missing money, etc. over the last 6 months and I've had to chase them over 30 times. They are a shower of **** as a company these days and Thomas Carruthers-la-de-dahs letter has just put the bloody icing on the cake.
I really don't know what to do now. To liquidate everything and move will cost at least £300 I think. Hardly the purpose of tax-free, low-cost investing. In fact the whole thing would be better off sitting in a cash ISA. What does that say to the private investors of the UK?
Going forward, I'm thinking that the funds may be worth keeping as some of have management fees in the 1-1.2% range and that must give a bit of rebate back each year which may counter the £80 rip-off. However, new purchases into funds would only be able to be done on the regular investment day ( 23rd of each month), but of my £100 each month £1.50 will be swallowed in transaction fee! The few HYP shares I have will have to share that fate too (or maybe wait for their promised free transaction days, although of course they aren't really free any more as we now pay £80 / year for the privilege of having an ISA.)
I've had a look around, like you guys have, and think that maybe iweb-sharedealing.co.uk may be the best. They don't charge for the ISA, fund trades are free, the rest are £10, and they do a regular investment for £2 on four separate occasions per month. Operated by the Halifax share dealing service that iii used to have. I don't know anything about them though.
If anyone has any other bright ideas on what to do to minimise costs then please share.
by Oliver
Hi Ermine,
Interesting backward step from iii. I'm with Selftrade, who have gone in the other direction. They have decided to abolish their management fee (which as £44 pa +VAT) IIRC, and have gone for an inactivity fee of £8.75 +VAT per quarter, which actually works out fractionally better for a 'catatonic trader', but ANY trading activity (even dividend reinvestment) in a calendar quarter means that the charge won't be applied for that quarter. I haven't spotted any sneaky changes in commission etc to compensate (though I haven't looked all that closely). I decided when I opened the account that I would rather pay a modest and flat rate rather than try to get something from free, since lunches usually aren't. I'm hoping that continual gentle feeding may prevent them from biting tha hand that feeds, which it looks like iii have done. Methinks they might face an exodus.
I have attempted to make a spreadsheet based on trading costs I've found on the various share broker sites. You may find it useful.
Another chap has written a template for the iii dilemma if anyone wants to use it.
I'm more in Lemondy's camp here. These fees are annoying, but something is going to have to be paid somewhere. At least these fees are fixed and known costs, and their not percentage fees or similar. The difference with old style hidden percentage based fees is night and day.
Of course you might do as RIT suggests and chase the next one not charging anything, but I do wonder if any will be sustainable in the long term. I suppose it depends how confident they can be that they can up-sell you into trading or doing something else more lucrative for them.
Anyway, as passive holding grows in popularity and scale of funds invested, these platforms have clearly decided where the wind is blowing.
I preferred the situation 3 days ago to today — and my co-blogger The Accumulator will have some tips soon on how he sees the best way forward for passive investors — but I'm not surprised and this isn't the end of it.
Personally I would look for a cheap option that ticks a whole load of other boxes (customer service, platform, security, whatever) then the dirt cheapest option by a few tens of basis points that probably won't stay that way anyway.
Just my thoughts! 🙂
by Guy
@Ermine – indeed, iii would have worked out nicely; sadly I've already committed! With costs soon to be at 10%, you're making the right decision in moving. The separate accounts approach will work for now – when I build up a decent amount (i.e. transfer fees under 1%, for a rough target) I'll switch the sharebuilder holdings into my ISA.
@Monevator: Agreed, they've got to make money somewhere and at least it's quantified. As I think HL said a while back, they weren't to be the first to make changes as a result of the RDR changes. My annoyance with them goes beyond that though and so I was pretty set to move anyway.
All the best,
I've been fairly happy with TDW. A good platform if not the cheapest, so I await future developments under RDR with interest.
I really don't like standing charges but I guess with expected levels of activity over the next 3-5 years they might not be so bad.
[…] of the RDR not to my liking from the comments on the iii fee changes Thanks for all the great info in those comments, which helped me get things clearer in my head. I've mulled this over and this is the […]
by ermine
[…] can read the letter and enjoy it being taken apart by one outraged customer at the Simple Living In Suffolk […]
by Interactive Investor wind their necks in about exorbitant charges « Simple Living in Suffolk
[…] Looks like the angry hordes of Monevator's men and Martin Lewis's moneysaving experts have brought some pressure to bear in iii, formerly known as a reasonably good deal execution only broker until chief exec Tomas Carruthers and his band of merry men had brainstorming meeting on the topic of 'how can we make more money' resulting in a sudden rush of blood to the head and this arrogant missive to the punters. […]
by Bruce
Alliance Trust Savings have written to me to say they will charge £10+VAT per quarter per account. I have two accounts an ISA account and a non-ISA account with then.
by A look back at three years of a high yield portfolio and a look forward to 2013 « Simple Living in Suffolk
[…] actions like NG's rights issue shenanigans. Paradoxically I had to sell some index funds when iii threatened to start charging transaction fees on those, other than that I've sold n'owt since going HYP, with the exception of a slug […]
by The trouble with a HYP strategy now is everyone else is trying it too. Cash is still evil… « Simple Living in Suffolk
[…] platform arena due to the change in regulation of funds, called the RDR. I have already taken one hit from the RDR last year. For this year I am going to sit tight, accept the risk of TD Direct going wrong, which I […]
by Aaargh – More RDR fallout as TD does an Interactive Investor on me and starts charging to hold funds « Simple Living in Suffolk
[…] when Interactive Investor decided they would charge me regularly to hold an ISA with them I told them to get on their bike. They also did some dodgy stuff in the runup to that, like charging to buy funds as if they were […]
by Beating the market is really hard…but is it actually what you want to do? « Simple Living in Suffolk
[…] Yes, I lose on the opportunities that selling dogs and investing in bulls offer. However, when I was on iii I tried one simple thing. You can run multiple virtual portfolios on there, and every time I sold a […]
by Ian
The original letter from III must have passed me by all that time ago. My account had been dormant with them, just a little cash and a few shares from 2011. I haven't heard a word from III for over 2 years and then last month they dropped a bombshell and told me that they were charging £180 in fees and would sell my shares to pay themselves. Nice scam iii Interactive Investor!
by ermine
by What I learned about financial advice and pension freedoms « Simple Living in Suffolk
[…] is the second bloody hit I have taken from that damn RDR. I don't particularly thing that saving rich people from their own stupidity/laziness is a […]


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Misfire help!
I have a 98 tj 4.0l with 160xxx. A few months ago the jeep was constantly over heating and had a bad misfire(cyl 3&4). After looking it over, I found coolant in the oil and experienced other signs that the head gasket was blown. I recently replaced the head gasket, cylinder head, cylinder head bolts and all appropriate gaskets. I also replaced the spark plugs, wires cap&rotor and the coil. The jeep does not over heat anymore and runs well but I still have a slight misfire and occasional CEL with misfires in cylinders 3&4. I also hear a slight ticking noise(can be only be heard while up close to the engine). I changed the injectors for those cylinders and checked the oil pan for metal residue. Any and all suggestions would be great.
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If you're the type of person who prefers the conventional way of cooking, then the Elba 5260SS gas stove might be just be the one for you. It has that vintage design that brings memories back to life, while you heat up your family's classic recipes to serve.
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text:
San Jose vs Montreal Recap - Sharks Win 2-0
San Jose's defense, led by netminder Antti Niemi, shut down Montreal 2-0 at Bell Centre on on Saturday.
Bettors who backed the Sharks were rewarded as -111 favorites at sportsbooks. Over-Under bettors saw the total score go UNDER the closing total of 5.5.
San Jose got goals from Logan Couture (2) in the victory. Couture opened the scoring at 6:20 of the second period.
Antti Niemi turned in a 22-save effort for the Sharks.
Montreal got a 33-stop effort from Carey Price in the loss.
On the power play, San Jose went 1-for-4, while the Canadiens were 0-for-1 with the man advantage.
Montreal lost the shots on goal battle to San Jose by a margin of 35-22.
Next game, San Jose takes its act on the road to face Ottawa looking for another win. For Montreal, they head on the road to face New York.


text:
Welcome to students.fvas
Intensives at Dookie
Studying or doing fieldwork at Dookie campus is an exciting experience. Dookie Farm enterprises (dairy, broadacre cropping, sheep, piggery and orchard) are managed as commercial ventures, incorporating research and educational programs.
Internships can help you decide on a career path you would like to follow. They provide hands on experience and can lead to other opportunities for work or study.
Masters by Coursework Research Projects
A research project subject is an opportunity to undertake detailed independent inquiry on an issue. When undertaking a research project, you will be guided by an academic supervisor.
Exchange and Study Abroad
Add an international perspective to your studies. Taking part in an exchange or study abroad program you can immerse yourself in a different social, cultural and intellectual environment.
Student Clubs and Societies
Joining a club is a great way to connect with other students and learn new skills
Scholarships and Prizes
The Faculty of Veterinary and Agricultural Sciences has a range of scholarships to support current and commencing students. Prizes are awarded each year according to academic merit.
Manage your studies
The University of Melbourne offers an extensive range of services for you to access. Stop 1 can assist with student administration, enrolment services, skills development and support services.
Information specific to FVAS students is given below. For all other matters, contact Stop 1.
- Assessment Information and Policies
- Enrolment Changes
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- FVAS Writing Style Guide
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- Q Fever screening and vaccination
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Getting Started
Learn about orientation and induction, how to get involved and stay in touch with your supervisor and how to access facilities and office space.
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Information on the code of conduct and intellectual property, supervision and the advisory committee, milestones and confirmation, candidature management, getting help, travel, research ethics approval and examination and completion.
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Information of scholarships, prizes, bursaries and travel funds.
Meet the FVAS Research and Partnerships team.


text: I have never restrung a racquet because I bought my first racquet a while ago. I bought a Prince O3 Hybrid Hornet MP, and I was wondering if I bought a pack (sorry if that is not the correct term) of string that had a string length of 40 feet, if it would be enough to string my racquet. I assume this is a newbie question, but I just don't want to go wrong


text:
DENVER (AP) — U.S. Labor Secretary Hilda Solis is visiting Denver for meetings with Latinos about the president's jobs bill.
First on Monday, Solis will join Gov. John Hickenlooper, congresswoman Diana DeGette and others for a roundtable discussion with Latinos about the impact of the American Jobs Act could have.
Later, Solis will meet with Latinos who are receiving unemployment insurance at the Denver Workforce Center.
President Barack Obama and his new commerce secretary have also visited Colorado to promote his $447 billion package of tax cuts and new spending.
It would cut payroll taxes that pay for Social Security for a year. It would also extend jobless benefits and help state and local governments retain teachers and emergency workers.
(© Copyright 2011 The Associated Press. All Rights Reserved. This material may not be published, broadcast, rewritten or redistributed.)


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By: Rachel Benbrook, IATG ContributorAugust 5, 2016
Kendall Brown is THAT girl.
Today, Kendall Brown is a confident staff member of the Hillary Clinton campaign in Ohio. But it wasn't that many years ago that she was struggling to battle debilitating health problems that shaped her into the fighter that she is today.
When Kendall was in the 8th grade, she received a diagnosis of Crohn's Disease. This diagnosis came after years of battling unknown health problems that interfered with her school and her daily life. A doctor saved her life by making a last minute decision to send her to a specialist. It later became known that she might have only had another 48 hours to live, if this doctor had not made this decision.
Kendall learned to manage her health, and it wasn't until college that she began to struggle again. "The ACA (affordable healthcare act) had not yet been passed, and as a result I had come off of my mom's insurance. Because of this, I was not going to the doctor as regularly as I should have been," Brown said. As a result of not seeking care, Kendall occasionally had relapses in her health and difficulty managing her disease.
The next few years led to Kendall seeking treatments in different free clinics in Oklahoma and struggling to manage her health conditions. She saw first hand the type of people who were struggling to get proper health care and received treatment alongside them.
All of this inspired Kendall to help others, and she passionately went into politics to try and spread more awareness on these types of issues.
Currently, Kendall serves as the deputy digital director for the political campaign in Ohio. "I work in the field a lot gathering research," Brown said. In addition to sharing her inspiring story, she said that her work has made her more appreciative of others and has given her a platform to connect.
"This [job] has taught me that every single person has an interesting personal story, and it's my job to pull that story out of them."
In addition to her fieldwork, Kendall has been able to mentor younger staffers, a role she accredits to helping her achieve her success in her chosen career of political campaigning. "I get to work with some great young staffers. I look back at where I was at 22 or 23, and I can't imagine being able to move to a new state and do all that they are doing."
Kendall Brown is THAT GIRL for her strength to use her personal experiences to help others. She did not allow her physical conditions to debilitate her; she used her struggles and stories to help others by making a platform to advance awareness on health care and health care reform issues. She uses her compassion to help relate to others and her vulnerability to help advance causes in this world.
Let's Chat!
Just like Kendall, we can be THAT girl! How can you use your story and personal experiences to help and inspire those around you? Take some time today to get vulnerable with those around you. You never know who needs to hear your story.
About Rachel:
Rachel is a graduate of Oklahoma State University and the University of Leeds where she studied Political Communications. She is a passionate advocate of strong friendships, caffeine, social justice, current events, travels and adventures, as well as all things peanut butter. She enjoys watching Parks and Recreation, as well as teaching English to new language learners.


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Comment #2 Friday, October 18, 2002 10:14 AM
Comment #3 Friday, October 18, 2002 12:31 PM
Seems the CAD works when the welcome screen is not used.
There is another way I believe by changing the status to a server or something like that
To remove the name . . . START > RUN > GPEDIT.MSC > USER CONFIGURATION > ADMINISTRATIVE TEMPLATES > START MENU AND TASKBAR > FIND REMOVE USER NAME FROM START MENU > RIGHT CLICK PROPERTIES > CHECK ENABLED > OK
Comment #4 Friday, October 18, 2002 4:59 PM
Um... up on the title bar did you program in that "SMILE" "BE HAPPY!" or is that something I just never noticed before. You are always putting in some extra really unique and happy surprise somewere in your skins! I really like your happy sense of humor!
Comment #5 Friday, October 18, 2002 8:38 PM
TX Tramp???
What's that about?
Anyway cool skin.
Comment #6 Friday, October 18, 2002 9:05 PM
Comment #8 Monday, December 16, 2002 3:34 PM
There have been many changes and improvements. Including a Webblinds throbber and cursors to accompany the skin.
I might have to re-release it with a new name to get on the list. Seems my updated skins never make the big updated skins list.
The new version will definately have a 6.5 rating
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text: Galchin, Vasili ha scritto: > Hello, > > Frank mode on ... ;^) In terms of functionality, where is Haskell > superior vs inferior to ML, Caml, OCaml, F#, Erlang, etc.? E.g. in terms > of library functionality? > The "advantage" of F# is that you get all the .NET framework (but this leaves me some doubts, it is not possible to write an optimal framework that needs to be accessed by different languages). The advantage of Erlang is its robust and tested support for writing scalable concurrent applications. Many programmers don't like Erlang syntax, but, like for SQL, Erlang just works and you just use it. Haskell in this area is not as mature as Erlang, and it does not have support for master/slave architecture. > Regards, Vasili > Manlio Perillo


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The Frossia series of hand-blown glass pendants showcase clean design and subtle curves. In this modern display of simple elegance, slender frosted shades are accented by a clear tip and fine polished chrome.
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text:
LAS CRUCES, N.M. — New Mexico authorities say all four people aboard a medical flight were killed when the plane crashed in Las Cruces.
New Mexico State Police say the twin-engine aircraft had just left the Las Cruces airport and was headed to Phoenix before it crashed and burst into flames Wednesday evening.
State Police identified the crew members as 29-year-old pilot Freddy Martinez, 27-year-old flight paramedic Tauren Summers and 35-year-old flight nurse Monica Chavez, all from El Paso, Texas. The patient was identified as 59-year-old Fredrick Green.
Green's brother, Leslie, says his brother had been staying with him in Las Cruces while he underwent radiation treatment for a brain tumor. He says he was being flown back to the Phoenix area, where he lived and was originally treated, because his condition had deteriorated.


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