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Ga. woman convicted of perjury to be sentenced
Ga. woman convicted of perjury to be sentenced
Aug. 20, 2013
DECATUR, Ga. (AP) — A woman whose former boss was convicted of fatally shooting her husband outside a suburban Atlanta preschool in 2010 is set to be sentenced after she was convicted of lying to authorities.
Jurors on Monday found Andrea Sneiderman guilty of nine counts, including making false statements and perjury.
Sneiderman's husband, Rusty Sneiderman, was shot in November 2010 outside a suburban Atlanta preschool. Her former boss Hemy Neuman was convicted in the killing in March 2012, but found mentally ill.
The victim's brother, Steve Sneiderman, began Tuesday's sentencing hearing by calling the defendant a liar and a criminal.
Prosecutors accused Sneiderman of lying to police and lying under oath during Neuman's trial.
Perjury carries a maximum sentence in Georgia of 10 years in prison. The other charges carry up to five years each.


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2012 Dodge Journey Values
Select a 2012 Dodge Journey trim level
2012 model year changes
The 2012 Journey gets further refreshing following 2011's substantial update. A new entry-level style has been introduced called the American Value Package, it is offered at $18,995-- $5,500 cheaper than the next level SE. Trim names have been changed. The Journey is now available as American Value, SE, SXT, Crew and R/T. New colors are available, including Brilliant Black Crystal, Mango Tango Pearl, Brilliant Red, Blue Pearl and Copperhead Pearl.
Competitive comparison
Updated handling, seating for up to seven, available all-wheel drive, powerful new V6 engine
Special features for 2012
Dodge continues to refine the Journey to make it even more competitive in the crossover segment. The new American Value Package helps make the Journey an even better value than before with a new lower starting price.
A mid-size crossover SUV with seating for seven, the 2012 Dodge Journey is powered by a standard 2.4-liter 4-cylinder engine, paired with a 4-speed automatic transmission, that produces 173 hp and 166 lb-ft of torque. For increased performance Dodge offers an optional 3.6-liter V6 engine, paired with a 6-speed automatic transmission, that yields 283 hp and 260 lb-ft of torque. Fuel economy falls within an EPA estimated range of 16 mpg city to 26 mpg highway, depending on engine selection. Features include 19-inch wheels, remote start, dual zone climate control, 6-speaker sound system, hands-free phone capabilities, dual bright exhaust tips, and LED tail lamps. Safety is comprised of 4-wheel anti-lock braking, front/rear head airbags, dual front side-mounted airbags, emergency brake assist, engine immobilizer, stability control, traction control, electronic brake force distribution, and tire pressure monitoring. The Journey is backed by a 3-year/36,000-mile warranty.

subset: commoncrawl


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Information Technology
Information Technology (IT) at Procter & Gamble is where business, innovation and technology come together to create competitive advantage. Our mission is to deliver IT to help P&G win with consumers. Our IT professionals are diverse business leaders who apply IT mastery to deliver game-changing, technology-driven business models and capabilities. Whether your role is to create an IT innovation strategy for a business, protect our critical information systems and assets, or manage a strategic supplier in our cutting-edge Shared Services organization, your technical mastery will be recognized and rewarded. Your passion for the industry will be further cultivated by our culture of continued learning and growth. A career in IT builds change leadership and influence skills, breadth of experience across multiple businesses, and depth of expertise in areas like Application & Integration, Infrastructure, Data & Analytics and IT Security & Risk.
IT Roles & Disciplines
P&G IT professionals develop their careers in the context of four Disciplines – defined groups of work unique to the IT function and needed to drive the business.
Application & Integration – Strategy, development, implementation, maintenance and governance of the Company's business applications. Roles include: Application Manager, IT Operations Manager, Solution Manager and Project Manager.
Data & Analytics – Strategy, architecture, management and governance of the Company's data, as well as applying advanced analytics and big data methods to drive unique and actionable insights. Roles include: Data Scientist, Data Architect, Business Analyst, Solution Manager and Project Manager.
Infrastructure – Strategy, governance and management of the hardware, software platforms and networks needed to support the development, delivery and on-going maintenance of the Company's applications and information. Roles include: Platform Manager, Architect and Regional Network Coordinator.
IT Security & Risk – Strategy, architecture, governance, risk management, threat protection and compliance of the Company's information, assets, infrastructure, policies and standards. Roles include: Risk Assessment Manager, Auditor, Cyber Security Analyst and Security Architect.
IT Driving the Business
P&G IT is a key business enabler that encompasses technology tools, strategic development, collaboration and decision-making. Our role goes beyond traditional "hardware and software" aspects of Information Technology -- we provide distinctive value by connecting business needs and information technology possibilities.


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My Samson SR-850 Review
5 Attachment(s)
You all have probably heard of Superlux headphones and the rave reviews they have been receiving. The Samson SR-850 is apparently a clone of the Superlux 668B. These headphones are apparently supposed to give you the best bang for your bucks and compete with $150+ headphones.
I founded the Samson SR-850 for $37 so I decided why not.
Initial Impression
The Samson SR-850 comes in a pretty nice and professional looking box.
Beside that, in the box, there isn't really anything else. The headphones are placed in a plastic bag with the cord zip-tied. There are also warranty card, a manual and advertisements, but that's about it.
Built Quality - 4/5
The built quality of the SR-850 is pretty good although not as good as its $150+ counterparts obviously. Nonetheless, the SR-850 is more than durable enough to withstand everyday abuse. The entire housing of the headphones are made out of lightweight plastic, but it does not feel cheap. The cable is thick and does not tangle at all.
Overall, the built quality is more than satisfying with no qualm for such an inexpensive headphones.
Comfort - 2.5/5
I founded the clamping force on these headphones to be too much. This cause too much pressure and discomfort for long duration. I also founded the earpads to be quite hot and hard. However, the SR-850 has the exact same housing shape as the AKG 240 and the earpads can be replaced with AKG pads which are much more comfortable apparently. I have not replaced the earpads yet, but do plan to do so. Moreover, replacing the stock earpads with the AKG ones not only improve comfort, but also improve sound quality as well according to other users
Sound Quality - 4.5/5
The bottom line is these headphones sound incredible for the price. So far, I have burned in the headphones for about 25 hours, far from the standard 100 hours, but I am already impressed with the sound quality. And this is with the stock earpads, not with the AKG ones that improve the sound even further apparently.
These headphones are very balanced with clear highs, good mids and lows. These headphones are spec at 10Hz to 30,000Hz. In my listening, these headphones do almost reach almost all the spectrum, providing very detail sound.
The headphones sound very good without an amp; however, with an amp, a Fiio E5 in my case, sounds even better. Without an amp, the soundstage was quite good. But with an amp, the soundstage increases, creating a airy, rich sound with lots of depth and detail.
Update: I added some photos of the headphones and its box. Sorry about my unprofessional photography skill. :p
Add a few photos, if possible ;)
Is the cable detachable like the 668B? My 668B came with a short cable and a long cable + a storage pouch.
Also, what source did you use?
I bought mine from the Amazon Marketplace and it was described as new, but I think it was opened already. But for $37 and free shipping I'm not going to complain.
My two primary sources are the Zune HD and my Thinkpad e420s laptop. I do use the Fiio E5 amp with both though since it improves the headphones even more.
Just twist the 1/4" jack to MAGICALLY reveal the 3.5mm jack. The adapter is a screw on type, and it comes screwed on.
I hope I'm not seethed upon for necro-ing an old thread, but I just wanted to say that I got myself these cans and I'm loving it! I may add my own review to this site soon, but for now I can say this is the best I've owned so far. Comfort, sound, durability, everything can defined as in it being more than what it claims to be.
If only it looked a little better :/
Oh, and, I won't recommend these to people with large heads.
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Dr. Baucham is the Pastor of Preaching at Grace Family Baptist Church in Spring , Texas, a reformed and Southern Baptist congregation. He is originally from Los Angeles, California. He is married to Bridget and they have nine children.
Whether you're a prospective student, current student, alumnus, donor, or friend of RTS, we would love to hear from you.


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Multidisciplinary artist Taeyoon Choi has created a digital space
To create an analog-digital bridge into the project, Moleskine joined Taeyoon and Eyebeam Art + Technology Center
Taeyoon Choi
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Make America Great Again
Join Date: Oct 2006
Location: Springpatch
Casino cash: $33532
Judiciary under Obama (and the Senate GOP): historical lows in district appts.
The GOP has been surprisingly mild with their blocking of judicial nominees, except for district judges, where the GOP's blocking of nominees........
wait for it
..........is record setting.
I feel like we've done this dance a few times, but it's worth having out there.
Obamas impact on federal judiciary
Robert Barnes
It takes a calculator and perhaps the rigor of Sherlock Holmes to cut through the partisan rhetoric about President Obamas first-term record on judicial nominations. But the bottom line is clear enough.
There are more vacancies on the federal courts now than when Obama took office nearly four years ago. And he is the first president in generations to fail to put a nominee on the U.S. Court of Appeals for the D.C. Circuit, the second most influential court in the land and traditionally a training ground for Supreme Court justices.
Obama has, of course, left his mark on the high court by nominating Sonia Sotomayor and Elena Kagan. Their confirmations leave those two seats for decades in liberal hands, and marked a historic diversification of the court.
But, depending on what the Senate does in these final days,Obamas record on the rest of the federal judiciary will show one more opening on the nations powerful 13 courts of appeal than when he took office, and more than a dozen additional vacant district court judgeships.
Senate Judiciary Committee Chairman Patrick J. Leahy (D-Vt.) blames Senate Republicans for foot-dragging on nominees that he says are utterly uncontroversial.
These delays mean that the Senate will, again, be needlessly forced to devote the first several months of next year confirming judges who could and should have been confirmed the previous year, Leahy said earlier this month.
He added that the increase in vacancies is bad for our federal courts and for the American people who depend on them for justice.
Sen. Charles E. Grassley of Iowa, the committees ranking Republican, responds that the Senate has confirmed at least as many as were approved during President George W. Bushs first term. The continued complaints we hear about how unfairly this president has been treated are unfounded, he said.
Russell Wheeler, a judicial scholar at the Brookings Institution, has taken a more detached look at the process. There is so much propaganda out there, Wheeler says. Its almost as if they are speaking different languages.
Wheelers conclusion: The contentiousness that affected President William Clintons and President George W. Bushs efforts to appoint judges to the courts of appeals did not appear to worsen during Obamas first term, but battles have heated up over district nominations.
Drastically increased delays in confirming district court judges are part of the reason for the higher vacancy rates, Wheeler said, but the Obama administration is responsible for sending up fewer nominees and taking longer to do it.
District judges are at the first tier of the federal judiciary; they decide individual cases and their decisions do not create precedent for other judges. In the past, confirmation of district judges was seen as somewhat routine.
But that has changed, Wheeler said, with longer wait times and more contested votes. The average time from nomination to confirmation for a Clinton district judge was about three months. That grew to 154 days for a Bush nominee, Wheeler said, compared to 223 days for Obamas choices.
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Here's the study: http://www.brookings.edu/~/media/Res...al_wheeler.pdf
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The study's summary:
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Views: 2580
i feel like my parents had the best of intentions, after all, who wouldn't want to raise their kids with THE TRUTH!
my family is extremely conservative. i think i totally suffered by being forced to wear 'weird' clothes and such, like, i wouldn't go swimming for years because i hated wearing long shorts and tshirts where everyone else was wearing bathing suits. it really didn't help my confidence or self worth. but, it is what it is, and i'm utterly thankful i saw the light so i don't have to raise my kids in that same shameful environment.
but i do feel very frustrated and angry at how much time and brain energy i wasted on studying the bible and etc. when i was 18 my mom sent me to an evangelism school where i got even more brainwashed than i already was and i really regret learning so much theological jargon and minutia. i wish i could still believe it just because i invested so much into it! so frustrating!
I feel sorry for all you guys who had super conservative parents! Mine at least pretended to be super cool and rad until I turned 15 and they decided to reveal the fact that they didn't want me to have sexual relationships. Lol yes the subject was that taboo to talk about that I didn't ever KNOW that I wasn't allowed to do it before marriage. lol.
I had issues with the daggy clothes but more cause we were poor, haha. I think it's an Aussie thing to swim and wear nothing, but there were definitely some more hard line families at my church that didn't allow swimming on the Sabbath, etc.
Frustration at the wasted brain space is the thing that I'm having the biggest problem with lately actually, too. That tends to come back and slap us in the face when we're all grown up, us ex Sevvie kids.
Yes. My parents really stressed the blind obedience part of advenstism and were strict fundamentalists. They did a good job of scaring us with their warning of "the end times," and had us memorize large portions of scripture just incase we didn't have access to the bible when we "took to the hills." I attended public school for a little while and was a huge outcast, but when I came home crying, my parents were pleased because we were supposed to be a "peculiar people" who are "in the world, but not of the world." They cautioned me not to make friends with any of the other kids and it was a generally miserable time. Finally my mom decided to home school us, but didn't take the academic part as seriously as the endoctrinating part. We read aloud from Ellen White every day and our "schooling" consisted of discussing her work and writing about it. When I finally made it to an adventist academy, I was so far behind in math and science I had to take summer school to be able to graduate. I also worked part time to pay for academy, and my parents were not able to help me at all. This enormous debt delayed college for nearly two years. Do I resent how I was raised? Yes. Besides the educational dessert I grew up in, it saddled me with tons of guilt, a propensity to follow orders, and insatiable need to belong somewhere. The kicker? My parents left the church the year I graduated high school, but still mantain that an adventist upbringing was a good, healthy way to raise us children.
Fuck that's rough. I got that peculiar people crap too but my parents were a little more sympathetic of my need for friends and moved me out of public school into the SDA school, so I went from social outcast to social laughing stock, hah. My mum homeschooled me too but from gr2 to gr6 so it only delayed me by an extra grade seven. She followed the PACE schooling system, not Seventh-Day Adventist, but incredibly insidiously Christian all the same. I'm still behind on science and biology to this day because of the effort my schooling and parents went to to block evolutionary theory from my life.
I too feel inclined to follow but as for a need to belong somewhere, well... I never felt like I belonged in that church anyway or for that matter or with anyone, so I'm kind of used to the unaddressed need of company.
Oh my god yes! I was so angry and an absolute white hot mess for quite a long time. Because Adventism prescribes your entire lifestyle, it fails to create autonomous human beings. I am 5th generation Adventist and it WAS who I was...when I left, I had no idea who I was. It took me about two decades to discover ME...it was painful, even dangerous at times and IT WAS FUCKING WONDERFUL! Education, for me, was the key. And dancing....I found theatre, too, and today I am a high school Theatre teacher...I am married to an Atheist and raised my kids to be independent thinkers; they will NOT be the 6th generation of Adventist! Life is good! :)
It sounds fantastic! Good for you! You know, I hope to follow in your footsteps one day. I'm dating this sweet little atheist gal who I have everything in common with, right down to the glow in the dark dinosaurs we both have on our bedroom walls. Last night we went swing dancing for the first time and we both loved it. It's so great hearing your story. It really gives me hope that one day I can "recover" from Adventism. I know that I've been socially, intellectually, and I would say even morally and spiritually stunted by my upbringing in the church. Since I found the loose ends in Adventism and watchedthe world I grew up in unravel, I've always wondered if I could ever truly make up for time lost. I'm thrilled to hear that, at least in your case, the answer was yes. :)
Sounds like you are young. In 20 years you will be amazed how far you have come beyond Adventism. Enjoy every minute! I don't know if you totally recover. Waves of guilt still wash over me. But now I can just say to my husband, "I feel guilt!" He says, "Why?" I say, "I don't know." He says, "Just breathe." I breathe until it goes away. I can now laugh my ass off about the first 23 years of my life. I love my absurd sense of humor and it was living in such a strange land of hypocrisy that gave me that. I am still pissed about some of it, but mostly I think it is hysterical and I am often just grateful - grateful for who I am because of it - and really grateful I got out.
I'm 23 myself, as a matter of fact! Funny how that works. Thank you for sharing this. I certainly do have things to work through, though guilt isn't super high on the list. E.g., the way I explained SDA thoughts on dance to my girlfriend was that all dancing except line dancing was condemned by the church. A simplification, but basically true. When she asked me if I felt guilty dancing with her, it surprised me. I was having too much fun to even think about it!
LOL....have fun...this life is all there is!
It's such a huge shock to the system, hey. You hear all the stigma about "backsliders" and how it's "easy" to forget about God (maybe because he doesn't exist? Hm?), and then when you actually lose your faith you hit to ground face first.
But what's frustrating about it is everyone you leave behind still thinks you're just a lazy good for nothing back-sliding idiot who can't resist temptation to sin and is apparently willing to turn against God to get their rocks off or some shit.
They say "but in your heart of hearts you always still know God is real!" so do a lot of non-religious older people I've met who say they are "spiritual" come to think of it. I know exactly what it feels like to be them. I wish they would just believe me when I say that.
Still wish I could get the first twenty years of my life back from EGW and the SDA.
Can't have it. I married an SDA boy. We were 20. He was emotionally abusive. Very religious and I could do nothing right. I did all the cooking, cleaning and worked full time and paid the bills as well. He would come home about 4am sometimes. I would forget to pick me up from work and leave me sitting in a parking lot for hours. He would say things like, "People tell me you're pretty. It makes me sick. Who do you think you are?!" He would get furious with me if I said anything that made him seem like he wasn't a good Adventist. Once I accidentally let the cat out of the bag that he had gotten a haircut on Sabbath. When we got out in the car, he really let me have it. I was starting to question the validity of Ellen White and happened to express my doubt once. Oh boy, was he furious. I got my ears pierced. He told me, "Boy, you are really rocking the boat. I don't want you for the mother of my children." Then I found out, he had been having an affair the entire marriage. Even had sex with this gal the night before we got married. My blinders exploded off my eyes. All of a sudden, I saw Adventism for what it was, and there was no going back. There were times I wished I could go back through that door. It was safer, and I had lost an entire community by leaving. But I couldn't. And I can't get any of that time back. I could see it as all a waste, but you know what? I'm grateful in some ways. I'm tougher. Men can't abuse me anymore. I'm a nonbeliever and FREE from Adventism. Had I stayed married to him I would not have come out of it, nor gone to college, nor discovered theatre....I can't imagine!
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Michael Dell has struck a deal to take Dell private for $24.4 billion in the biggest leveraged buyout since the financial crisis.
The deal, which requires approval from a majority of shareholders excluding Dell himself, would end a 24-year run on public markets for a company that was conceived in a college dorm room and quickly rose to the top of the global personal computer business - only to be rendered an also-ran over the past decade as PC prices crumbled and customers moved to tablets and smartphones.
Dell executives said that the company will stick to a strategy of expanding its software and services offerings for large companies, with the goal of becoming a full-service provider of corporate computing services in the mold of the highly profitable IBM.
They played down speculation that Dell might spin off the low-margin PC business on which it made its name.
Dell did not give specifics on what it would do differently as a private entity, angering some shareholders who said they needed more information to determine whether the $13.65-a-share deal price - a 25 per cent premium over Dell's stock price before buyout talks leaked in January - was adequate.
"This feels like the ultimate insider trade. Why weren't the plans and projections that Michael Dell has going forward been shared with me and other shareholders?" said Frederick "Shad" Rowe, general partner of Greenbrier Partners and a trustee of the $22 billion Texas Employees Retirement System.
Rowe said he dumped about 400,000 shares of Dell this week, adding, "I was so irritated I didn't want to think about it anymore."
Dell spokesman David Frink said the board had conducted an extensive review of strategic options before agreeing to the buyout to ensure that the best interests of all stockholders were served.
Although Dell shares were trading at more than $18 a year ago, many analysts said they believed the majority of shareholders will accept the buyout because of pessimism over the growth prospects of the PC business.
"A private Dell is likely to more aggressively cut costs, in our view. But we think merely restructuring only postpones the inevitable, creating a value trap," said Discern Inc analyst Cindy Shaw.
"Dell needs to do more than reduce its cost structure. It needs to innovate."
Dell was regarded as a model of innovation as recently as the early 2000s, pioneering online ordering of custom-configured PCs and working closely with Asian component suppliers and manufacturers to assure rock-bottom production costs.
But it missed the big industry shift to tablet computers, smartphones and high-powered consumer electronics such as music players and gaming consoles.
As of 2012's fourth quarter, Dell's share of the global PC market had slipped to just above 10 per cent from 12.5 per cent a year earlier as its shipments dived 20 per cent, according to research house IDC.
Some of Dell's rivals took pot shots at the deal, in unusually pointed comments that reflect how bitter the struggle is in a commoditised PC industry that has wrestled to reverse a decline in sales globally.
Hewlett-Packard, which itself has suffered years of turmoil in the face of challenges in the PC business, said in a statement that Dell's deal would "leave existing customers and innovation at the curb," and vowed to exploit the opportunity.
Lenovo, which consists largely of the former IBM PC unit, referred to the "distracting financial maneuvers and major strategic shifts" of its rival while emphasizing its own stability and strong financial position.
The deal will be financed with cash and equity from Michael Dell, $1 billion cash from private equity firm Silver Lake, a $2 billion loan from Microsoft, and between $11 billion and $12 billion in debt financing from Bank of America Merrill Lynch, Barclays, Credit Suisse and RBC Capital Markets.
The company said Michael Dell will contribute his 16 per cent stake in the company but did not say how much cash he would inject.
The company will now conduct a 45-day "go-shop" process in which others might make higher offers.
"Though we were hoping for a higher price, we trust that the Dell board has properly done its job by conducting a process open to any third-party offers and reviewing all strategic options," said Bill Nygren, who manages the $7.3 billion Oakmark Fund and $3.2 billion Oakmark Select Fund, which have a $250 million position in Dell. "Should we hear evidence to the contrary, we'll raise a ruckus."
Sources with knowledge of the matter said Dell's board, advised by the Boston Consulting Group, had considered everything from a leveraged recapitalisation to a breakup of the company before agreeing to the LBO.
Although the deal will load Dell with more debt, some Wall Street analysts said that was relatively low compared to the cash the company generates.
Bernstein Research analyst Toni Sacconaghi said that if Dell were to use 40 per cent of its annual cash flow of about $2.5 billion to $3 billion to pay down debt, a sale of the company in about five years could net Silver Lake, Mike Dell and other investors close to $10 billion, or 5 times free cash flow at the time.
Helped by acquisitions, Dell has been building a business selling servers, IT services and other products for corporate clients that - while still dwarfed by IBM's and HP's – is growing at a near-10 per cent clip. Critics say it will not be easy for Dell to beat IBM and HP in this area, no matter what its corporate structure.
Sales of PCs still make up the majority of Dell's revenues. Dell said in a regulatory filing that no new job cuts were expected but it indicated more acquisitions down the road.
The company has spent $13 billion since fiscal 2008 to acquire more than 20 companies including several large software and services companies as it seeks to reconfigure itself as a broad-based supplier of technology for big companies.
"We recognize this process will take more time," Chief Financial Officer Brian Gladden said.
"We will have to make investments, and we will have to be patient to implement the strategy. And under a new private company structure, we will have time and flexibility to really pursue and realize the end-to-end solutions strategy."
Gladden said the company's strategy would "generally remain the same" after the deal closed, but "we won't have the scrutiny and limitations associated with operating as a public company."
Shares of Dell closed 1.1 per cent higher at $13.42.


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PIJUSHI Designer Handbags Floral Purses Large Satchel Handbag for Women (22328)Parent Blue One Size
MATERIAL: Top grain genuine leather satchel handbags,zipper closure with golden hardware, lining fabric.
Dimensions: L15.5 x H16.5 x W5 inch; include 6.5 inch double handle drops, 45 inch adjustable and replacement shoulder strap, weight 2.4 lb total include filler paper.
Inside Structure: large space for storage, two open pockets on one side and 1 zipper pockets on the other side. Fit A4 file, mobile phone, wallets, Ipad, umbrella, etc;
Stereotype design: Special craftsmanship make the bag fixed. practical and elegant, it appears a perfect solid line and elegant shape in any point of view, protect handbag from being out of shape.
Designed to be carried as top-handle, shoulder, cross body; prefect for work, business, casual ,daily life, party, travel, etc


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Man wanted in robbery, assault at Friendly Center store
Man wanted in robbery, assault at Friendly Center store
Police are looking for a man suspected of robbing a Friendly Center store on Tuesday and assaulting an employee.
The incident happened around 10:30 a.m. at the Macy's at 700 Friendly Center Road.
The man assaulted a store employee while he was trying to steal items from the store, Greensboro-Guilford County Crime Stoppers said in a news release.
The man was last seen leaving the store in a green, mid-sized sedan, investigators said.
Crime Stoppers released surveillance photos of the suspect, seen above.
Anyone with information on the incident or possible suspects is asked to call Crime Stoppers at (336) 373-1000. A reward of up to $2,000 will be paid for information leading to an arrest or indictment.


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Thank you for visiting the McDel Gifts & Gear Co. and Love Matters™ Web Store. We carry a huge selection of gifts, gear, decor, and STUFF that can be purchased as shown, or PERSONALIZED!
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Style # 214173
Lend your wardrobe a pop of sexy sportif-chic-inspired style with this bebe cocktail dress, featuring a sheer mesh neckline detail with a sharp geometric cut. Style yours with a pair of studded pumps and a glossy clutch to edge up your outfit.The "Caribbean Sea" hue is available exclusively online.
- 92% nylon, 8% spandex
- Center back to hem: 32" (81 cm)
- Lightweight fabric
- Machine wash according to care label
- Imported
- Model is 5'9" and is wearing a US size S
Diamond Mesh Bodycon Dress is rated out of 5 by 5.
Rated 5 out of 5 by Lucky13 from This dress has great features! Beautiful form fitting dress. Gorgeous combination of colors. Dress is not too short or too long, perfect length.
Date published: 2013-07-17
Rated 4 out of 5 by ChinaLove from Disappointed I was looking forward to the arrival of my new purchase and was so disappointed upon receipt. My dress had multiple pulls in the material. So I unfortunately had to return it. :).
Date published: 2013-07-16
Rated 4 out of 5 by Maria4089 from Love the color Bought this dress in the green color (i believe its sold out since its not showing on the website). Anywho, the green is not as light as pictured on here but its more of a crayon green. The dress fits beautiful but shows EVERY little line--thats why i gave the dress 4 stars. Definitely have to wear very special undergarments because if not it will show (even if u wear a thong/g-string). The material is on the thin side, seems that anything will snag the material so watch out for sharp objects or anything that will easily catch onto the dress. Its not like the other thick bodycon bebe dresses if thats what your looking for. No zipper so you have to put it on over your head so be careful with deodarant or your makeup not smudging on the dress. All in all the color is beautiful, it shows your curves & is a show stopper. Im 5'7", 131 lbs, 34D bra.
Date published: 2013-05-30
Rated 5 out of 5 by Bebegirl86 from Hot dress This caught my eye from the moment I saw it online. I love the green color one. I cant believe this is still in stock. It is super stretchy and has no zipper, you just pull it on. I love the mesh on top, and the fabric is soft. I can't wait until I can wear this out this summer! This will be the hottest dress in the place. I usually wear xs in Bebe and I bought the p/s size and it fits perfect.
Date published: 2013-05-04
Rated 5 out of 5 by Daniz from Must try to believe! I decided to write a review because I wanna everybody else has the same experience that I had! I'm 33 years old, 5'4" , 34 B , 136 lbs(maybe sounds ok, but it is deffinetly not the best shape of my life), and I was always afraid of this "bodycom" thing, but I was at a Bebe Store and this girl brought me this gorgeous dress in green, and I just tried that because I love this color! OMG! The dress is form fitting, hugs everything on the right places and looked awsome! I stepped outside to double check it on the bigger mirror and I heard a bunch of compliments of the girls in the fitting room!!! Felt beuatiful!!! Maybe this dress can not fit everybody well, but just wanna say, give this bodycom line a chance, because after trying this dress I had 2 another ones that fitted even better! Must see to believe!!!
Date published: 2013-04-27


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My relationship with the outdoors started with my Uncle Joe. He taught me how to hunt and fish and instilled the values in me that made me care about the resource. Unlike so many youth hunters I was not allowed to shoot a young deer. Just like the adults I was required to wait for a mature buck. Like so many kids I could only sit still for a few minutes at a time – so it was a years before I even saw a shooter buck.
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Carl Griffin
8616 Madelyn St.
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Phone: 843-276-4763
Email: email@example.com


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(AP) Gabel resigns from committees after abuse claims
By PAUL NEWBERRY
AP National Writer
Andy Gabel has stepped down from International Skating Union and U.S. Speedskating committees after being accused of a sexual relationship with an underage skater in the 1990s.
ISU president Ottavio Cinquanta said Monday that Gabel stepped down as head of the short track committee. U.S. speedskating spokeswoman Tamara Castellano said Gabel also resigned from the Hall of Fame committee.
Gabel competed in four Olympics as a short track skater, including 1988 as a demonstration sport. He was part of a silver medal-winning relay team at the 1994 Lillehammer Games.
Gabel issued a statement to media outlets in Chicago and Milwaukee saying he "displayed poor judgment in a brief and inappropriate relationship with a female teammate." Bridie Farrell says she was 15 and Gabel 33 when their relationship began in 1997.


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Collection of Literary Society constitutions, 1882 | Purdue University Libraries, Archives and Special Collections
Extent: 0.25 Cubic feet
Subjects (links to similar collections)
Forms of Material (links to similar genres)
Scope and Contents: The Collection of Literary Society constitutions(1882; 0.25 cubic feet) documents the constitutions and amendments of three literary societies at Purdue University, as well as the Purdue Pharmaceutical Society. The literary societies included are: Irving, Carlyle, and Philalethean. This collection might be useful for researchers interested in information on any of these societies or literary societies in general, extracurricular activities of students, and Purdue history. The collection is comprised of a ledger book and one folder of loose pages that were previously removed from the book.


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Booth does not have that in him.Hockey Widow wrote:I hope he plays himself into game shape and comes back up ready to prove Torts wrong. That would be the best result for us.
I don't see him ever signing a big contract again and in probably a few years he will retire.


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The main function of lights on a bicycle is not so that I can see the street in front of me, but so that all the rest of the traffic out there can see me. More than one driver has commented on how well lit I am.
In light (ha ha) of my recent post about my former naiveté when I didn't know enough to use lights, this is a good time to re-post one of my lost blog posts from before the website transition. My bike, Crush, has multitudes of lights now.
The main function of lights on a bicycle is not so that I can see the street in front of me, but so that all the rest of the traffic out there can see me. More than one driver has commented on how well lit I am.
My headlamp is powered by a generator hub built into my front wheel (ordered from Peter White Cycles). No batteries to remember! I keep a spare bulb with me. The headlamp is the one light that does light up the street in front of me, as well as makes me visible to other traffic.
Front white and rear red Reelights run off of magnets attached to the spokes (purchased from Walt's Bike Shop in Columbia, MO). Again, I never have to worry about batteries. They run all the time, so I don't even need to remember to turn a switch on or off. Without ever remembering to change a battery or turn a switch, my reelights keep me in compliance with the bare minimum required by law—a front white light and a red rear light.
The monkey light on my front wheel is a thing of beauty (ordered from monkeylectric). It makes patterns as the wheel turns, a flower, a star, an amoeba crawling around. It does require batteries. I use rechargeable batteries because I worry about all the poison we throw away with batteries. It's cheaper that way too. But rechargeables don't last as long. These are great for side visibility.
I have another red blinkie on my basket. It's a pretty cheap thing and has fallen off so many times it's lost its cover, and I should probably replace it. [Update: I have replaced it.] By law I'm only required to have one red taillight, which is my reelight, but I prefer more. Because the reelight attaches to the axle, it is lower down. A second light higher up helps outline my shape.
I have a downlow glow but I need to order a new battery for it (from Rock the Bike). It is a rechargeable battery which lived out its life. My downlow glow creates an orange pool of light underneath me. This also helps with the side visibility.
I used to have a helmet light. I liked being able to control the direction of that light. But it tended to slip off my helmet and fly off, landing on the road, and after a few of these falls it died. It used up a lot of batteries.
In addition to keeping me safe, my lights serve another purpose, which is that if I ever did get hit at night, it will be more difficult for the driver to get away with "I didn't see her". The way I bike protects me legally as well as physically. Bicyclists are at a disadvantage in the courts because while most judges and jurists are motorists, few are bicyclists. They can more easily sympathize with a fellow motorist who just "didn't see" the bicyclist than they can with the bicyclist. While law enforcement does the best it can with limited resources, "police bias" is a well documented phenomenon that further disadvantages cyclists.
But my main goal is to prevent the wreck in the first place, and lights at night are a big part of that.


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Rodger Haynes, 63 - January 24, 2007
Rodger Nelson Haynes, 63, of Gothenburg, died Saturday, Jan. 20, 2007, at Hilltop Estates at Gothenburg.
Memorial services were held on Tuesday, Jan. 23, at the American Lutheran Church of Gothenburg with the Rev. Matthew Groenke and Lonna Grabenstein, P.M.A., officiating. Burial will take place at a later date.
Haynes was born on Aug. 28, 1943, at Gothenburg to Floyd J. and Ellen H. (Wilson) Haynes. He was raised in Gothenburg and graduated with the class of 1962.
While in school at Gothenburg, he excelled in track, holding all three of the sprint records for over 30 years. He still holds the 220 sprint record to this day.
?After graduating from high school, he attended three years of college, one year at Wartburg College and two years at Kearney State College where he was also on the track team.
?On Oct. 8, 1965, he married Adelle Aden at the First Lutheran Church of Kearney. To this union, three children were born—Kirk, Heather and Nathan.
?Haynes and his wife returned to Gothenburg in 1966 where he worked for the Nelms/Dudley Veterinary Clinic until he began farming with his father-in-law in 1971.
?He enjoyed the outdoors with family as well as hunting, hiking and horses, according to family members.
?Haynes was preceded in death by: his parents, Floyd and Ellen; one brother, Dean; a brother-in-law, Bob Beardsley.
?Survivors include: his wife of 41 years, Adelle; two sons—Kirk (Chris) Haynes of Gothenburg and Nathan Haynes of Lincoln; a daughter, Heather (Troy) Franzen of Gothenburg; brother, Buster (Lorraine) Haynes of North Platte; sister, Betty Beardsley of Colorado Springs, CO; four grandchildren—Zac Franzen, Makayla Franzen, Tylyn Haynes and Quinn Haynes; numerous nieces and nephews.
Memorials are suggested to the American Lutheran Church, Central Plains Hospice and the Durham Cancer Research Center of Omaha.
Online condolences may be sent to the family at www.blase strauser.com. Arrangements have been placed in the care of Blase-Strauser Memorial Chapel of Gothenburg.
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McCrory wants photo ID requirement for unemployment benefits
McCrory wants photo ID requirement for unemployment benefits
Gov. Pat McCrory says the unemployed should be required to show photo identification in person to receive North Carolina jobless benefits.
The governor said Monday he wants the General Assembly this year to pass a law requiring an applicant to present photo ID as part of the benefit process. The Division of Employment Security already has been asking for the ID in recent months as a way to curb fraud. McCrory says he wants a state law to back up that requirement.
Division chief Dale Folwell says most young people already are required to show a photo ID to their employer when they start their job.
McCrory and Folwell also want the legislature to tweak the work search requirements for the unemployed. The General Assembly reconvenes Wednesday.


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Birgit Minichmayr doesn't have any movies playing in theaters.
If you feel like heading out, check out other movies in theaters.
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The Farewell
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From the Desk of John Hanson, SVP of Communications a the USO:
Don't worry … this isn't a civics lesson encouraging you to vote in every election (you really should, though).
Sometime this summer, the world will not celebrate the 66th anniversary of a piece of landmark legislation. Not because it's bad legislation, but because 66 years isn't as much fun as, say, 65 or 70.
In 1944, a group of World War I veterans figured out that World War II was going to be ending at some foreseeable time. The allies were advancing in every theater.
These men had come home after their war and learned some important lessons. One was that there had to be a way to assimilate millions of veterans back into an economy that was not going to be as robust after the war as it was during the war.
And, these folks had seen what happened when bonuses promised to World War I veterans were not paid. The bonus marchers' riots in 1932 in Washington left a lasting impression and a bitter taste.
The result of their conversations was the Servicemen's Readjustment Act of 1944.
[caption id="attachment_1790" align="aligncenter" width="480" caption="President Franklin D. Roosevelt signing the G.I. Bill into law on June 22, 1944"][/caption]
It was ambitious. The plan included months of unemployment compensation, guaranteed home loans, and, remarkably, education benefits at colleges, universities and trade schools. The cost was going to be huge.
There was some consternation from the Congress. "This is far too expensive," some said. "We can't afford to do this." Some called it socialistic or even communistic. There are reports that it was too big for even President Roosevelt. University leaders were worried about opening the doors of higher education to the hoi polloi.
But, a few veterans' groups and interested citizens insisted, and the legislation moved forward, back and forth until the House and Senate versions had to be meshed. That shouldn't have been a problem. Each house's version passed unanimously. But, we're talking about Congress, here. There were 7 members of the joint committee. One was going to be out of town when the vote was to be taken, and he left his proxy with the chairman. The chair decided not to vote the proxy, so the absent member, from Georgia, John Gibson, had to be found at his home, driven to an airport and flown back to Washington to cast the final vote that freed the bill for consideration.
A tie vote could have killed the bill. A desperate measure saved it.
You might recognize the Readjustment Act (a great name by the way) as its more popular title – the GI Bill of Rights. It changed the course for millions of veterans and their families. It created the American middle class. It created the America we take for granted today. By a one vote margin.
[ed. note - more information on the GI Bill is available online from the American Legion]
Their journey is everyone's responsibility. From the moment they enlist, through their assignments and deployments, and as they transition back to their communities, they can rely on your support.


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Mother's Day Dining In Connecticut
Mom's day is May 11, when she shouldn't have to do anything but celebrate all she gives to her family. Area restaurants rise to the occasion with lunch and dinner specials that give Mom a break. Specials are on Mother's Day unless otherwise noted. By MARYELLEN FILLO and LEEANNE GRIFFIN
Copyright © 2018, Hartford Courant


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You are here
Poetic Forms with Star Black
Date and Time:
April 9, 2011 - 11:30AM to 2:00PM
April 16, 2011 - 11:30AM to 2:00PM
April 23, 2011 - 11:30AM to 2:00PM
April 30, 2011 - 11:30AM to 2:00PM
May 7, 2011 - 11:30AM to 2:00PM
May 14, 2011 - 11:30AM to 2:00PM
Event Location:
Conference Room
In this course, students explore the following forms: sonnet, sestina, pantoum, villanelle, haiku, epistle, elegy, light verse, visual poem, exquisite corpse, concrete poem and "found" poem. Students will also create chapbooks of their work, using reproductions of their own artwork for the covers.
Star Black's most recent collection of poems is Velleity's Shade, and her handmade books were recently displayed in the exhibit "The Collaged Accordion" at the Center for Book Arts. She has taught at Stony Brook Southampton and the New School.
Event Sponsored By:
Poets House
Event Type:
Workshops, Master Classes and Residencies


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- Gently beat or stir to break the eggs using a fork or chopsticks.
- Add stock a little at a time while stirring the egg mixture, sift the mixture and set aside for later use.
- Place a tablespoon of mashed pumpkin and a slice of tofu in each cup, and fill the cup 80% full with egg mixture.
- Boil water in a steamer. Steam chawanmushi with low-medium heat for 10-12 minutes.
- Garnish with a slice of steam pumpkin.
P/S: Don't worry, I didn't feed John with mirin/sake.


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Aquatics Boot Camp July 5-30, 2016
Over a 4-week period, participants will be challenged with swimming drills, weight training, calisthenics in and out of the water, treading water with weights and high intensity interval training. The Aquatics Boot Camp Program at Honor's Haven Resort & Spa includes 3-classes per week and provides little to no impact on joints. You MUST be 16 years of age or older to participate in this program and know how to swim. Participants responsible for providing their own swim suit, towel and water bottle.
Fee: $180 or $15 Per Class
SAVE $30 When You Pay for All 12-Classes In Full!
20% Discount Extended to: Military Personnel
Federal Employees
Honor's Haven Resort Employees
Spa & Wellness Members
For more information or to register contact The Spa at Honor's Haven Resort; 845-210-3088; firstname.lastname@example.com


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Gentle Giant / Re: Gentle Giant Jumbo Vintage IG-88« on: November 27, 2013, 04:25 PM »
IG is now in stock at BBTS.
This section allows you to view all posts made by this member. Note that you can only see posts made in areas you currently have access to.


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2014 Mitsubishi Outlander SE
|Stock No:
|Our Price:
|Exterior Color:
|Body Style:
|Sport Utility
- Power Steering
- 4-Wheel Disc Brakes
- Aluminum Wheels
- Tires - Rear Performance
- Heated Mirrors
- Integrated Turn Signal Mirrors
- Privacy Glass
- Variable Speed Intermittent Wipers
- Automatic Headlights
- AM/FM Stereo
- MP3 Player
- HD Radio
- Bluetooth Connection
- Bucket Seats
- Rear Bench Seat
- Trip Computer
- 3rd Row Seat
- Keyless Entry
- Cruise Control
- Multi-Zone A/C
- Driver Vanity Mirror
- Driver Illuminated Vanity Mirror
- Floor Mats
- Engine Immobilizer
- Stability Control
- Tire Pressure Monitor
- Passenger Air Bag
- Rear Head Air Bag
- Knee Air Bag
- Back-Up Camera
- Four Wheel Drive
- Brake Assist
- Tires - Front Performance
- Temporary Spare Tire
- Power Mirror(s)
- Rear Defrost
- Intermittent Wipers
- Power Door Locks
- Fog Lamps
- CD Player
- Auxiliary Audio Input
- Steering Wheel Audio Controls
- Pass-Through Rear Seat
- Heated Front Seat(s)
- Adjustable Steering Wheel
- Power Windows
- Leather Steering Wheel
- Keyless Start
- Climate Control
- Cloth Seats
- Passenger Vanity Mirror
- Passenger Illuminated Visor Mirror
- Security System
- Traction Control
- Front Side Air Bag
- Driver Air Bag
- Front Head Air Bag
- Passenger Air Bag Sensor
- Child Safety Locks
The price listed for this vehicle does not include charges such as: License, Title, Registration Fees, State or Local Taxes, Finance Charges, Optional Credit or Liability Insurance, Delivery Fee, and State Documentary Service Fee. I/O COM, Inc. and the Dealership make no representations, expressed or implied, to any actual or prospective purchaser or owner of this vehicle as to the existence, ownership, accuracy, description or condition of this vehicle's listed equipment, accessories, price or any warranties. Vehicle Pricing - Where permitted by law, all dealer fees and amounts must be disclosed in a clear, conspicuous and legible fashion. There are no exclusions. I/O COM, Inc and the Dealership are not responsible for typographical errors in price or equipment listed. Any and all differences must be addressed prior to the sale of this vehicle.IMPORTD


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"Common" is a word that White Lola's Team does not know. We like even less the "politically correct".
You will never find products like these anywhere else except at White Lola. We love our project and we use the same care to produce any single piece.
The result is shocking, bizarre, revolutionary!
Express yourself through Pop, Trash and "unconventional".
Size 1 inch (25 mm)
Graphics are selected by White Lola's team. Pictures are printed on high quality professional paper. Buttons are made with a professional button machine.
Info: [email protected]


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By LISA LEFF
Associated Press
SAN FRANCISCO,CA (AP) _ The lead plaintiffs in the U.S. Supreme Court case that overturned California's same-sex marriage ban have tied the knot at San Francisco City Hall.
State Attorney General Kamala Harris presided at the wedding of Kris Perry and Sandy Stier on Friday afternoon.
Harris performed the ceremony less than an hour after a federal appeals court cleared the way for gay marriages to resume in the nation's most populous state for the first time since November 2008.
That's when voters approved a constitutional amendment limiting marriage to a man and a woman. Perry and Stier sued to overturn Proposition 8, along with a Burbank couple who plan to marry Friday evening at Los Angeles City Hall.
The Supreme Court on Wednesday let a ruling stand that declared California's amendment unconstitutional.


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Do ghosts scare you?
Posted 26 December 2004 - 11:26 PM
Posted 26 December 2004 - 11:31 PM
and on Facebook https://www.facebook.com/pages/The-Art-of-Jim-Demick/261669903877527
"There are some things money can't buy...A good imagination is one of them
Posted 27 December 2004 - 09:53 AM
Posted 27 December 2004 - 09:53 AM
Was I afraid...
I squeezed my eyes shut so tight , that I swear I sprained a muscle !(is that possible )
But now I think....Why did I not try to communicate ?
If this were to ever happen again..as this was a long time ago....
Whould I try to seek information ? So much I would love to ask but....
At that moment I saw her " no way " did I have any control over my thoughts , as I was too over come with fear !
I guess you could say I have fear of ghost , but as with anything else we do not have knowledge of...so many we tend to fear.
At least I do.
But to this day I can still see her hair , white shirt , arms folded over her waist..
Then I wonder "could I have imagined this " ?
But if I did only imagine this ...everything was so vivid and in only a matter of 2 seconds I managed to take down quite a lot of detail
Hmmm.. :unsure:
Posted 27 December 2004 - 10:03 AM
Also....as the old saying goes.....
"Ghost can not hurt you , it's the living you have to be afraid of "
Hmmmm could be true.... <_<
Posted 27 December 2004 - 12:36 PM
Posted 27 December 2004 - 12:39 PM
Posted 27 December 2004 - 02:09 PM
Posted 27 December 2004 - 02:12 PM
Posted 27 December 2004 - 02:16 PM
Posted 27 December 2004 - 02:16 PM
Posted 27 December 2004 - 02:20 PM
do you know who this spirit may have been? have you done research on the house in question?
Posted 27 December 2004 - 02:34 PM
Posted 27 December 2004 - 02:42 PM
Posted 27 December 2004 - 03:16 PM
Bridgie~ You poor thing!!! I would have been scared to death as well!!! Glad things have gotten better and if I were you I would definitely do some research on the house behind your old one!!! Just me though.
The ghosts in my house now are quite quiet still letting me know they haven't left sometimes though. I really enjoy them being here now. They are quite interesting sometimes! And I realized they don't care for my new light in my room though. LOL. They always unplug it if I leave it on and I am not up there. The kids are at their dad's and I am the only one in my house. It has been unplugged 3 times already though! I will keep you posted! :blink:
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Pypes Exhaust SMC20VB - Pypes Challenger V8 5.7L Cat-back System w/ Violator Mufflers - 409 Stainless - Phantom Black Tips; 2009-2013.
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text: Artvoice Add Comment Share This! Facebook Twitter Google Plus Pinterest LinkedIn 2 June 9, 2016Artvoice You may also like Arts & Culture • Lifestyle A Tribute to Ilio DiPaolo September 19, 2018 Featured • News Project Veritas — Deep State Unmasked: Leaks at HHS; DOJ Official Resists Trump "From Inside" and "Can't Get Fired" September 19, 2018 Arts & Culture • Featured • Theater ON THE BOARDS • Week of SEPT 20 – SEPT 26 What's Playing on BUFFALO THEATER Stages September 19, 2018 About the authorView All Posts Artvoice News and art, national and local. Began as alternative weekly in 1990 in Buffalo, NY. Publishing content online since 1996. Add Comment Click here to post a comment Leave a Reply Cancel reply Comment Share This! Facebook Twitter Google Plus Pinterest LinkedIn


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Curriculum & Resources: The Big Disconnect Infographic
The average American spends 90 percent of his or her time inside—a recipe for obesity, asthma, and other ill effects. The Big Disconnect Infographic, created by CottageCountry.com and the David Suzuki Foundation, spells out the benefits that the natural environment brings to human health.
CottageCountry.com has partnered with the David Suzuki Foundation to create this eye-catching infographic on the ill effects of spending too much time inside and the benefits of spending time in the great outdoors. What are you and your students waiting for? Ditch the classroom for open sky, fresh air, and getting to know your local trees, bodies of water, and wildlife.
DOWNLOAD the entire Big Disconnect Infographic


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Science Friday® is produced by the Science Friday Initiative, a 501(c)(3) nonprofit organization.
Science Friday® and SciFri® are registered service marks of Science Friday, Inc. Site design by Pentagram; engineering by Mediapolis.
China burns nearly as much coal as the rest of the world combined--and has 300 more coal plants in the works. But China also leads the world in solar panel exports and wind farms, and has a national climate change policy in place. Is the U.S. falling behind on climate? Ira Flatow and guests discuss how the world is tackling global warming--with or without us--and what it might take to change the climate on Capitol Hill.


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All in a day's laugh
When's the last time you laughed at work? If you can't remember, your workplace might need to lighten up.
According to "humor experts" (comedians?), a "whimsical" workplace is better for your productivity, stress levels, and health. But the last few decades, an MSNBC business columnist writes, has seen tighter attitudes to joking around with your co-workers. This isn't good news, some say, facing an economic downturn. It seems that we've been more depressed in recent decades than we were in the Depression.
Humor is spiritually useful as well--there's a reason we talk about "keeping your spirits up" during hard times. With work taking so much of my day, I'm glad I have some exceptionally silly and sarcastic co-workers. I'm forwarded news stories from both cnn.com and theonion.com. And it's my job to look up Odd News once in a while!
What's the attitude at your workplace: a good laugh is part of the job description, or stop laughing and get back to work? What's the attitude working at Catholic parishes and organization? Heard any good Catholic jokes lately?


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LOS ANGELES, Jan. 30 (UPI) -- Darren Collison touched off a late-game rush Wednesday that carried the Los Angeles Clippers to a 110-103 victory over Washington.
The Wizards closed within a point when Kevin Seraphin scored on a layup with 3:02 to play, but the Clippers ran off eight straight points that began with Collison's drive to the basket with 2:43 left.
Los Angeles won its fourth in a row with Blake Griffin's 29 points and nine rebounds leading the way. The Clippers had to fight off the Wizards after owning an 11-point lead at halftime.
Jamal Crawford scored 21 points for the Clippers, J.J. Redick had 20 and Collison had 16.
Washington finished a four-game road trip with a 2-2 record and will now return home for five games -- the first of them against the streaking Oklahoma City Thunder on Saturday.
Bradley Beal scored 20 points to pace the Wizards.


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Please login to add/view friends online.
below is from a Scammer! Some of the emails
may not look like scams, but they all lead to the same
thing. The scammer will pay by check (cashier's check/money
order) for more then the pet is worth, then they will
ask you to send them back the difference in money. A
couple weeks later you find out the check was fake and
the bank will take it out of your account. This scam
can be set up several ways.
key points for pointing out a scammer:
1. Doesn't care much about the pet, just the transaction.
2. Says they will use their own shipper.
3. 95% of the scammers are from overseas (Nigeria, Israel, South Africa)
4. Pays you more then the pet is worth, then asks for the difference in money back.
Email: [email protected]
Date Caught: 9/7/2010
IP Address: 22.214.171.124
Host Information: 220.127.116.11
*Warning* This is a scam.BulldogThe main goal at limelightbullies is health and temperament. We believe that by carefully implementing the imported English Bulldog blood lines with American and Canadian lines they are strengthening the genetic soundness in the English Bulldog breed.limelightbullies are focused on the lovely Bulldog head and proper jaw, and correct turn of shoulder and length of back.We breed only to bulldogs that conform to the AKC,and BCA (Bulldog Club of America) standards, are healthy and have the wonderful bulldog temperament! We are dedicated to producing bulldogs that not only look good on the family couch but also in the show ring. We Usually have English Bulldog puppies available to those special homes. all of our English Bulldog puppies are raised in a loving, clean environment in the office and TV room, receive tons of attention from our children, ourselves and receive the best vet care available. Please do your research before getting your English Bulldog puppy.We prefer to visit via the phone and email regarding any available English Bulldog puppies that may be available.Please be aware that although an English Bulldog puppy is expensive this is not a "money making" endeavor. When visiting with different breeders be aware that the breeders that are doing the "right" thing are not as concerned about the money as they are about you being the right home.Breeding and exhibiting English Bulldogs is not only monetarily expensive but also very emotionally expensive and a very time consuming passion for those of us who are truly...http://www.limelightbullies.com*Warning* This is a scam.


text:
Today is Yu Darvish Posting Bid Day
Having posted their ace, 25-year-old Yu Darvish, the Hokkaido Nippon Ham-Fighters are accepting bids for the right to sign Darvish to a contract today until 4pm today. The Chicago Cubs, among many other teams, are expected to bid on the one-in-a-generation Japanese talent.
Although the blind bids are due today, Darvish's team has four business days to accept the highest bid, so we may not have a final decision until late next Tuesday. I did a little research on Daisuke Matsuzaka's post back in November 2006, and it looks like there were about 11 days between the start of the posting period and the announcement that the Boston Red Sox had won the right to sign Matsuzaka. Obviously things could be different this time around, but that at least suggests that we might be in for a wait on finding out who won.
From there, the winning team will have 30 days to negotiate a contract with Darvish.
There has been a great deal written about Darvish over the last few weeks as anticipation for his post grew, culminating in his team's decision to officially post him late last week. One of the most interesting pieces, written by SI's Tom Verducci several weeks ago, analyzes the transitions of Japanese stars to Major League Baseball, and concludes that there may be something to the generalized notion that the players rarely adjust well over the long term.
The Red Sox were acutely aware of the strain of pitching more often (every fifth day, rather than every sixth or seventh day) over a longer season against deeper lineups with more power, to say nothing of different baseballs, ballparks, training regimens, cities, travel demands and cultures.
So the Red Sox did everything they could to pamper Matsuzaka. They gave him a no-trade clause, a physical therapist, a massage therapist, an interpreter, a media liaison, eight first-class airline tickets per year between Boston and Japan, a housing allowance of $100,000 per year, a car service, box seats at Fenway Park and uniform number 18, a traditional number for an ace in Japan. They also gave him rest whenever they could. Of the 61 games he started in 2007 and '08, Matsuzaka pitched on the sixth or seventh day 35 times, or 57 percent of the time.
And despite all those preventive methods, Matsuzaka crashed into The Wall.
Over his first two seasons, Matsuzaka was 33-15 with a 3.72 ERA. But starting with Year Three, Matsuzaka has been 16-15 with a 5.03 ERA while suffering shoulder, hip and elbow injuries. He is not expected to pitch again until the second half of next season after undergoing Tommy John surgery.
How players from NPB translate to the majors — as well as putting an economic value on that bet — figures to once again be a key part of baseball's free agent season this year. A half dozen or more players from Japan will be available to major league clubs either as free agents or through the posting system in which a player's negotiating rights are put up for a blind auction. The standout of the crop is expected to be 25-year-old Nippon Ham Fighters righthander Yu Darvish, if indeed his club makes him available through the posting process.
Said Rangers assistant GM Thad Levine, "The anecdotal assessment suggests starting pitchers have a two-year window of success followed by a rapid decline, followed thereafter by disappearance. Even a lot of the relievers have had success quickly, reaching a hot peak followed by a rapid decline."
The entire article is very much worth a read, particularly today, as we anticipate what might be with Darvish.
So, just how high might today's bids climb? Countervailing forces make it pretty hard to predict. On the one hand, Darvish is the best international pitcher to be made available, perhaps ever. On the other hand, the last pitcher to come out of Japan with as much hype as Darvish was Matsuzaka, who was ultimately deemed a failure. Then again, Darvish is a far, far superior pitcher to Matsuzaka. And, with the new CBA dramatically restricting spending in the draft and on international free agents (note that the restriction, which doesn't kick in until next year, doesn't apply to Japanese professionals or players over 23), teams may be more willing to allocate their money to things like a huge posting bid on Darvish.
Taken all together, it's easy to see why some are predicting that Darvish's posting bid exceeds that of Matsuzaka – which was more than $51 million. Jon Heyman says he's heard from an anonymous MLB executive that the total cost for Darvish, between bid and contract, could exceed $112 million. That suggests a posting bid approaching $60 million. For what it's worth, Heyman guesses the final tally will be lower than $112 million.
For his part, there are rumors that, if the winning bid is too high, Darvish will be disinclined to sign, partly in protest of a system he believes unfairly restricts Japanese players, and partly because the higher the posting bid, the lower the contract he'll be offered.
For now, we wait, as a number of MLB teams probably are, their offseason plans temporarily on hold pending the announcement that they've got the chance to lock up a top pitcher, but that their wallets are considerably more light for the rest of the Winter.


text:
It's taken nearly 2,000 days and countless migraines, but the Dow Industrials have finally recaptured the 14000 threshold.
Continue Reading Below
The achievement was met with muted fanfare on Wall Street and among ordinary investors amid continued evidence the real economy remains decidedly sluggish.
While market bulls believe the Dow 14000 landmark will serve as another crucial catalyst to lure retail investors back into the equity markets, more cautious observers believe it could signal that the recent optimism may be overdone.
"Dow 14000 definitely matters. Big numbers like that tend to be put at the top of the evening news. Those headlines do matter," said Nicholas Colas, chief market strategist at ConvergEx.
Big, bold milestones can be especially helpful in reassuring nervous investors who finally appear to be dipping their toes back into the water. According to the Investment Company Institute, U.S. equity mutual funds are set for their first positive month of fund flows since April 2011.
"It's one of those odd ball things about human nature: people like confirmation," said Colas.
The Return of the Retail Investor?
For now, the bulls are clearly winning the tug of war.
"People on the sidelines are going to be concerned they're not participating in the wealth creation that's going on."
The 14000 mark came on Friday during an emphatic triple-digit rally and just hours after Wall Street put the finishing touches on a month that saw the Dow soar 756 points, or 5.77%, -- its strongest January since 1994.
"I think it holds some importance from a psychological standpoint. I think you're really going to see the retail investor rotate out of bond funds and into equity funds," said Luke Aucoin, chief operating officer and portfolio manager at Vista Research and Management.
After an eye-popping $80 billion evaporated from U.S. equity mutual funds during the final four months of 2012 alone, ICI said just $1.5 billion left in the week ending January 2 and then investors actually poured a combined $16.1 billion into funds in the next three weeks.
"With interest rates remaining at zero percent, people on the sidelines are going to be concerned they're not participating in the wealth creation that's going on," said Jason Weisberg, senior vice president at Seaport Securities.
What Bad News?
Interestingly, the rally on Wall Street has occurred in spite of a number of significant headwinds.
For example, it's ironic the Dow would clinch 14000 during the same week that new data reveal the U.S. economy unexpectedly contracted during the fourth quarter -- the first such shrinkage since the second quarter of 2009.
Likewise, the Labor Department said Friday the U.S. added a mediocre 157,000 jobs in January and the unemployment rate actually ticked up to 7.9% from 7.8%.
"Nobody is selling the bad news. They are looking for any excuse they can find to buy the good news," said Aucoin, pointing to the "new normal" of unemployment above 8%. "Ten years ago we'd all be panicking."
Stock prices also continue to climb despite the absence of Apple (NASDAQ:AAPL), a stock that some bears feared was artificially propping up the entire market. Since topping out at $705 on September 21, Apple has plummeted a hefty 35%. During that time, the S&P 500, which gives Apple a hefty weighting of 3.6%, has actually rallied 3.6% to levels unseen in five years.
"If Apple starts to participate with the rest of this rally, we're going to go a lot higher. No one is talking about that," said Weisberg, who holds a long position in Apple.
Sell Signal?
Of course, there is a risk that at some point the newfound enthusiasm for stocks can become overdone, setting up the investors who finally had the courage to jump back in for a painful correction.
"I think there's still some room," said Aucoin. "The market is not overly expensive. We're far from being frothy, overbought and overvalued."
Others believe the recent surge of equity inflows could be a bearish sign, especially since ordinary investors tend to lag behind so-called "smart money."
In a note to clients on Friday, Bank of America Merrill Lynch (NYSE:BAC) strategist Michael Hartnett said EPFR data showing equity inflows of $18.8 billion this week triggers a "sell signal from our contrarian global flow trading rule."
Hartnett said the last sell signal back in January 2011 was followed by an 8% correction a few weeks later. On average, the signal precedes a 5% correction in global equities over the subsequent four to five weeks, he said.
Colas said he's been concerned by the lack of volatility during the current rally, which he described as a "very much a slow, grinding move higher."
"It seems like we've really put on the backburner or taken off the stove completely all the worries we know still exist," said Colas, pointing to the negative GDP reading and looming deficit hurdles in Washington.
Middle Ground
Bruce McCain, who helps manage more than $20 billion as chief investment strategist at KeyCorp.'s (NYSE:KEY) Key Private Bank, is also preaching caution amid Dow 14000.
"It's probably just another number but in some ways we seem to reach these thresholds when we also reach periods of very high optimism among investors," he said.
While recent economic reports signal progress, McCain said they also back up the case that "we're not setting any land speed records for economic growth either."
McCain isn't necessarily worried about a steep decline in equities and still believes the market can achieve an annual return of around 10% to 11%.
"With sentiment running high, investors who can afford to be a little more patient by adding equities in a measured way will be rewarded over the course of the full year," he said. "This could turn into a very good year but it's probably not going to do it all in February."


text:
This was something I ran across, the author of which preferred to leave unattributed:
Welcome diners, to the first "Multicultural-hyphen-Diversity" dinner
sponsored by Al Gore, Reverend Jesse Jackson and Reverend Al
Sharpton. Each is a co-chair of a non-501C3 foundation that seeks
political profit. It started during the presidential election when
Al Gore uttered his inspirational interpretation of:
This new foundation is hereby named:
Please sirs and madames, appreciate the wonderful repast we have designed
for you. Our chief chef, Pauline Corekt (we just call her "PC") is a
recent graduate of the Harvard school of political science and has a
Doctorate in Political Correctness and also a PHD in social nutrition!
Her latest prize winning dish has been named by the Reverend Jesse
Jackson...."The Diversity Dish"!
Please be seated and your "wait person" will deliver your meal in the
prescribed sequence with the appropriate pause between courses to allow
full appreciation of each.
1- First course consists of this wonderful cup of raw beef chunks.
2- When you finish that, enjoy one cup of beef broth.
3- Next, consume two savory tablespoons of rendered lard.
4- Your raw, but peeled onion (a vidalia! is next.
5- The two teaspoons of salt can be ingested with the ½ cup of Cajun
6- Your two tomatoes can be eaten whole or sliced, whichever is
7- The three raw potatoes can be sliced if you prefer, rather than just
biting, as an apple.
8- The two tablespoons of paprika are the next course.
9- We next ask you to enjoy the tasty celery that we've diced for you.
10- Our next gastronomical treat is six organically-grown carrots.
11- The three teaspoons of pepper on Ritz crackers is a daring departure.
12- Three ounces of sugar are mixed with ½ tsp. of horseradish for real
And there you have it, ladies and gentlemen; a splendid example of
haute cuisine-representing the pinnacle of America's "DIVERSITY!"
The follow-up taste test will be held in 3 days to allow for absorption,
digestion and elimination of the Diversity meal.
Once there was a recipe for a simple, straightforward, and really tasty stew. It was a recipe that was very old, dating from the origins of this country, circa 1776. It was just a stew but it provided nourishment for many millions of people. It consisted of all the above ingredients but they were cooked slowly together and the individual flavors of the ingredients were allowed to mingle into the most
nutritionally beneficial stew the world had known.
It was called "AMERICA"
Unfortunately, the recipe been lost.
The divisive tactics of self promoting, race-baiting, class warfare,
rich vs. poor of the liberal/socialists are very close to destroying the
America that produced the kind of freedom that allows such an inane bunch
of bean-heads to exist. I'm sure if the meal they are offering to serve
Americans were described in the proceeding shirtsleeve English we'd be
rid of them.


text:
Skip to comments.Romney's True Character
Posted on 05/10/2012 11:28:34 AM PDT by Mich1193
Yep, character does matter, and what we have been hearing in the media recently has been quite shocking. I thought you might like to see another side of one of the candidates. It appears there is more to the Bain Capital story than is being told, so I hope this story below is informative.
Romney's character.... This facet of Romney's personality isn't so subtle.
In July 1996, the 14-year-old daughter of Robert Gay, a partner at Bain Capital, had disappeared. She had attended a rave party in New York City and gotten high on ecstasy. Three days later, her distraught father had no idea where she was.
Romney took immediate action. He closed down the entire firm and asked all 30 partners and employees to fly to New York to help find Gay's daughter. Romney set up a command center at the LaGuardia Marriott and hired a private detective firm to assist with the search. He established a toll-free number for tips, coordinating the effort with the NYPD, and went through his Rolodex and called everyone Bain did business with in New York, and asked them to help find his friend's missing daughter.
Romney's accountants at Price Waterhouse Cooper put up posters on street poles, while cashiers at a pharmacy owned by Bain put fliers in the bag of every shopper. Romney and the other Bain employees scoured every part of New York and talked with everyone they could - prostitutes, drug addicts - anyone.
That day, their hunt made the evening news, which featured photos of the girl and the Bain employees searching for her. As a result, a teenage boy phoned in, asked if there was a reward, and then hung up abruptly. The NYPD traced the call to a house in New Jersey, where they found the girl in the basement, shivering and experiencing withdrawal symptoms from a massive ecstasy dose. Doctors later said the girl might not have survived another day.
Romney's former partner credits Mitt Romney with saving his daughter's life, saying, "It was the most amazing thing, and I'll never forget this to the day I die."
So, here's my epiphany: Mitt Romney simply can't help himself. He sees a problem, and his mind immediately sets to work solving it, sometimes consciously, and sometimes not-so-consciously. He doesn't do it for self-aggrandizement, or for personal gain. He does it because that's just how he's wired.
Many people are unaware of the fact that when Romney was asked by his old employer, Bill Bain, to come back to Bain & Company as CEO to rescue the firm from bankruptcy, Romney left Bain Capital to work at Bain & Company for an annual salary of one dollar.
When Romney went to the rescue of the 2002 Salt Lake Olympics, he accepted no salary for three years, and would not use an expense account. He also accepted no salary as Governor of Massachusetts.
Character counts!! (and yes...that's worth reading again!) http://www.snopes.com/politics/romney/search.asp
Where's the girl?
This story has been posted before, and if you go back to the original story in the Boston Globe, this version is HIGHLY exaggerated.
Revisionist history is a great tool.
Romney's commercial about this is highly effective.
Yes, most everyone has seen the ad. However, I think it is important to show that even SNOPES says it is true. What has Obama ever done????????
A quote from the last paragraph of the article
The Daily went to the home of Melissa Gay Lewis in Danbury, Conn., where she is a fourth-grade teacher and lives with her husband and young children just a couple miles from the Ridgefield house she once ran away from. She refused to comment.
In 2008, Lewis and her husband each donated $2,300 to Romneys presidential run. So far, they havent donated to Romneys second White House bid.
In a more general sense guess it shows it can be beneficial to have the resources of a big rich company when you need help.
And, sought to discriminate against the Boy Scouts because they wouldn't allow homosexuals in their ranks.
It's a joke to say a politician that lies and flip-flops as much as Romney does has any character at all. His ruthless lies against his primary opponents are also evidence of his lack of character.
Time to ditch Romney and bring back Newt, Santorum or anyone else with Conservative credentials.
Now's the time folks.
Virgil Goode
Romney said he would take a salary if the 2002 Olympics made a profit, it did. (After $600 million input of tax payers money) He took the salary and donated to charity, he did not refuse to accept the salary.
Romney did take a salary as governor, and donated the salary to charity, he did not refuse to accept the salary.
This one time effort for a powerful, wealthy fellow Mormon leader and executive has never been done again by Mormon Bishop Romney, it was Mormon insider stuff by the elites, way over the top for a teen girl that went to a rave and stayed with her friends for a couple of days, like so much related to Romney, this reveals a darker, single minded devotion to the Mormon cult, he has no pleasant stories, that are outside of his Mormon tribe.
Mormon Bishop, Robert Gay, the Bain executive is at the top among Mormon leaders, On March 31, 2012, he became a member of the First Quorum of the Seventy.
"But several acquaintances of the teen who knew her well at the time and have not spoken publicly before told The Daily a different story: one of a rebellious adolescent in a moment of high-spirited escapism who hid from her parents in relative safety in an upscale New Jersey town.
And they credited the group of new friends she made during her disappearance, including a boyfriend, as the ones who ultimately encouraged Melissa Gay daughter of Romneys colleague at private equity firm Bain Capital to head home to her panicked family."
Did Mitt Romney save this girl? No, said Doug Becker, the then-boyfriend and now a 32-year-old pastor in the same town of Rockaway, N.J. But I do think what spurred her going home was the kind of coverage it was getting, and I think [Romney] was pretty responsible for that.
"Another childhood friend, speaking anonymously, was more blunt. I think the ad is incredibly misleading. Dishonest is the word for it, the friend said. She wasnt saved, she ran away to go to a rave, and got lost and wound up in New Jersey. She paged a friend to come get her.
You really are a bigoted hater aren't you? Not one word you wrote said Romney did a single thing wrong. But somehow you railed about his religion because he helped someone search for a missing child?
I think you are projecting, read your hateful post again.
Romney did nothing except over react in a hugely extravagant manner for a fellow elite member of his private club in a routine event, a teen girl staying a couple of days with her boyfriend before returning home embarased.
As routine as that is, of the thousands of non-Mormon, non rich, employees of Romney's who have had to endure much worse, more serious runaway events and drugs, prostitution and such, did Romney ever so much as lift a finger, or make a phone call, of course not.
Explain why Romney would so dramatically exploit this and turn it into something that it wasn't, his making of a fictional video drama was shameful.
Are you on drugs? No, you are just a bigot. And interestingly enough, your bigotry extends to the rich. Very unconservative.
Last time I checked there is no harm in doing a favor for a mormon, even a rich one.
Btw I do know of cases in which Romney aided poor non-mormons.
When he gave money and helped out the poor black lady who said God told her to seek him out for help.
Do you seriously believe tnis man never helped a non mormon in his life?
Do the olympics count? Saved them for free, lots of very nonmormon people involved.
Saved the Olympics for free....No he said he would not take a salary if they did not make a profit. It did so he took a salary, then donated to charity.
Saved the Olympics for free....No, the tax payers had to put up $600 million to save it for free.
Now don't be all defensive I said was 'when', and you gave me an example, no reason to get all wiggly about it.
Do I beleive that Romney only helps mormons, no, I would venture to say, mostly.
Ok. However I certainly think giving a salary to charity counts as helping people. Nor do I fault him for aiding his own church. I don't believe mormonism but unlike some here I generally view mormons as very decent people.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


text:
Charleston, SC (AP) - A South Carolina woman who faked having terminal leukemia in order to collect insurance money has been sentenced to more than three years in prison.
According to media reports, a judge on Wednesday also ordered Jennifer Eden to pay $500,000 in restitution.
Eden pleaded guilty to mail fraud in September. From 2003 until 2011, prosecutors say she got life insurance policies for herself, then falsely claimed to be dying from leukemia and received an early payment on her death benefits of $500,000.
During that time, authorities say Eden lived a lavish lifestyle that including vacations in Jackson Hole, Wyo. Eden's attorney has said she's sorry and was abused earlier in life.
Copyright 2013 The Associated Press.


text:
As the bikini season is approaching quickly, you need to get a hold of the perfect bikini top and bottom to flaunt the perfect body you have shaped in the gym. There are hundreds of luxury swimwear bikinis that you can wear and make the men go crazy over you.
Megan Fox in Designer Swimwear
Megan Fox proved all the bikini models wrong by wearing a purple flashy dress that looks like the Still the One designer swimwear. Despite her perfect toned body and those lovely legs, she chose to wear a purple long dress that has a little resemblance to this designer swimwear and managed to look as hot as she does in a bikini. The dress Megan Fox wore is flashy purple and one shoulder dress. It flaunts one of her legs and one of her bare shoulders. The tanned beauty manages to carry the very stylish dress that other actresses have difficulty pulling this look.
Furthermore, Megan Fox herself looks great in that a purple dress and makes it just as wearable and comfortable like luxury swimwear. Obviously you cannot wear a bikini to a formal event while you can wear this stylish dress to any event you want. As long as you dress for your bodytype, you can wear what Megan Fox does.
The dress is a rich in color and pattern in. The swimsuit also has shades of purple in it. It is the perfect bathing suit for the ladies who want to flaunt their toned up and tanned bodies. Megan Fox would look lovely and hot in the bathing suit called Still The One. This bathing suit would set all the souls on fire. And the dress that resembles this bathing suit is like a cherry on top of your perfect physique.


text:
WASHINGTON (Reuters) - The Pentagon wants Lockheed Martin Corp to focus less on short-term business goals and more on successfully delivering the F-35 Joint Strike Fighter to the U.S. military, the Defense Department's chief weapons buyer said on Tuesday.
"We want to know that when they come to us with an initiative or a proposed solution to a problem that it's motivated by the welfare of the program, not focused on a short business goal that they're trying to accomplish," Frank Kendall told reporters.
Kendall said he discussed the issue earlier Tuesday with the incoming head of the F-35 program, Major General Christopher Bogdan, who in September described the relationship between Lockheed and the government as the worst he had ever seen.
Kendall said Bogdan's concerns focused on communications between the Pentagon's Joint Program Office and the company.
He said he was surprised when Lockheed Chief Executive Bob Stevens called him on Friday, shortly before Lockheed announced that its president and chief operating officer, Christopher Kubasik, was resigning after admitting to an ethics violation.
But he said he looked forward to working with Marillyn Hewson, who was named on Friday to replace Kubasik and succeed Stevens as chief executive in January.
Kendall said had gotten to know Kubasik over the past three years but had also met Hewson, and did not believe the ethics issue would have a negative impact on the relationship between the government and Lockheed.
"This stuff isn't personal. We're adult professionals. We come to things with our own business perspective, and we can meet and work out deals," the former Raytheon Co executive said.
He said it was helpful to get to know industry executives over time, but he had no concerns about working with Hewson or any other member of the Lockheed leadership team.
Hewson told analysts on Friday that the F-35 program would be her biggest priority in her new job.
Lockheed shares closed 37 cents higher at $90.18 on Tuesday.
Lockheed is pressing the Pentagon to conclude negotiations about a fifth batch of F-35 fighter jets, which have been under way for nearly a year. Senior Pentagon officials and Lockheed executives met to discuss the contract on November 1.
(Reporting by Andrea Shalal-Esa; editing by Prudence Crowther)


text:
Governor Andrew M. Cuomo this week announced that the Department of Financial Services (DFS) has ordered insurers offering force-placed insurance in New York to submit proposals for new premium rates after it was found that they overcharged New York homeowners to the tune of millions of dollars. The proposals must be submitted by July 6, 2012.
A bank or mortgage servicer places force-placed insurance on a homeowner's property when the homeowner has failed to maintain insurance as required by the terms of the mortgage. Rates for force-placed insurance can be three times to as much as ten times the cost of normal homeowner's insurance, while offering less protection to the homeowner.
The evidence of higher than necessary insurance premiums was made clear at a recent DFS hearing. Also, DFS discovered that the force-placed insurance market lacks the sort of competition that would keep premiums down. In New York, two companies have 90 percent of the market. In addition, the hearings made clear that high force-placed insurance costs are having a terrible impact on homeowners, while banks and insurers are profiting off of the payments.
"The extra expense of force-placed insurance can push a family over the foreclosure cliff because they have no choice than to pay a lot more for a lot less." Governor Cuomo said. "These hearings indicate the possibility that the rates are too high, and for this reason DFS has ordered insurance companies to submit new rates, which could result in savings for homeowners. It's our job to see that rates are priced fairly and homeowners are protected from paying more than what is fair."
Financial Services Superintendent Benjamin M. Lawsky said, "Our hearings suggest a lack of competition, high prices, and low loss ratios, all of which hurt homeowners. Based on what we learned at the hearings, it is now appropriate for insurers to propose new rates along with justifications for those new rates."
As a result of the foreclosure crisis, the size of the force-placed insurance market has grown from $1.5 billion in 2004 to $5.5 billion in 2010.
The order was sent to American Security Insurance Company (Assurant), QBE Insurance Corporation, and American Modern Home Insurance Company. These insurers make up more than 90 percent of the force-placed insurance market in New York and are also the major players in the U.S. as a whole.


text:
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