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Gambler Bret Maverick teams with a saucy southern belle and a cagey sheriff as they raise the money to enter a million dollar poker tournament in this glossy western comedy. With James Garner.
An unassuming woman is chosen as God's warrior to prevent two fallen angels from destroying the world. With Linda Fiorentino, Chris Rock, Selma Hayek, Jason Lee, Alan Rickman, and more. Directed by Kevin Smith.
The musical classic that introduced the Best Song Oscar-winner 'White Christmas'! A lazy singer opens a New England hotel and club that is only open on holidays - leaving him 340 days off!


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Definitions for table tipping
This page provides all possible meanings and translations of the word table tipping
Princeton's WordNet
table tipping, table tilting, table turning, table lifting(noun)
manipulation of a table during a seance; attributed to spirits
Find a translation for the table tipping definition in other languages:
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Use the citation below to add this definition to your bibliography:
"table tipping." Definitions.net. STANDS4 LLC, 2013. Web. 9 Dec. 2013. <http://www.definitions.net/definition/table tipping>.

subset: commoncrawl


text: On Thu, 30 Jul 2009, sylvain arbour wrote: > Sorry for the delay, I am not sure how the list work. Don't worry about delays. I've been MIA for most of July anyway - away on a trip in early July and then away again on a real vacation for the rest of July. I just returned yesterday and I have a lot to catch up on :-( > Since I re-install Ubuntu - I have to reload the driver following the > instructions of your web page. Thanks for your answer. I let you > know the results when this done. If it still doesn't work, then please look at your kernel message log (dmesg) and search for messages with "pvrusb2" embedded. That's going to be your best source to understand what is or is not going wrong. Also, the web page describes multiple ways to build & install the driver - assuming that the driver isn't already available with your distribution's kernel. It would also be extremely useful to know exactly which driver version you are attempting to use. -Mike -- Mike Isely isely @ isely (dot) net PGP: 03 54 43 4D 75 E5 CC 92 71 16 01 E2 B5 F5 C1 E8


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Blue Book® Suggested Retail Value Fuel Economy (city/hwy)
Tell us what you think...
The community thinks...
My wife still thanks me
by John from Houston on 06/01/2008.
Trim: 2003 Honda Civic Hybrid Hybrid with CVT, Owned 6 years.
Love driving past gas stations! Best car I've owned.
The $6,000 battery gave out after 5 years. It's scary to think what will happen when it is out of warranty. I have a new one and hopefully it will be good for another 8 years. Gas mileage averages 40 mpg (if single, I would drive w/o a/c and hyper-inflate the tires.)
Overall review:
We bought it more as a statement back in 2002 when gas prices were $1.28. It's fantastic now.
Review ID: #528597
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The Ultimate Car
by An MSN Autos Consumer on 07/18/2005.
Trim: 2003 Honda Civic Hybrid Hybrid with CVT, Owned 2 years.
Great milage, super ultra low emission, smooth transmission (no gear shifting), silence at traffic stops.
Noise from uder the car at slow speed turns, a little rattling noise at the passenger side vent, and highway noise.
Overall review:
If I became a billionare, I would still be driving this car.
Review ID: #474511
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Will never buy anything other then Honda again.
by Kris from Abq NM on 04/09/2009.
Trim: 2003 Honda Civic Hybrid Hybrid with CVT, Owned 6 years.
Gas milage dont seem to be going down with age. Have had it for 7 years and can still count on 40-45mpg. Still has a smooth ride with not very many ratles like I would have expected with all the plastiky parts in the car. Have driven the car from South FL to LA and back inbetween a few times great for highways and listening to the fuel pump on the big trucks sitting next to you idel at a red light while your engine is off =)
Major problems so far with it have been the clutch for the AC and the thermostat died. Get my oil changed every 10k with that 0w20 stuff at the dealer is a bit more then normal would be but its only every 10k vs 3k so its not so bad.
Overall review:
After 7 years and 80k miles in this car I am very happy with the purchase. Paid it off after 4 years and its been an almost free ride since. I still feel like the kid who took the short bus to school every day when I do put gas in it (every 450-500miles) but that will change with my next all electric car and going to keep this for trips over what ever that can do.
Review ID: #538629
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The Best in the Long Run!
by Sue, Colorado on 07/10/2008.
Trim: 2003 Honda Civic Hybrid Hybrid, Owned less than 1 year.
It's the best ever, and it gets an average of 49 mpg (and that's when it needs an oil change!). We have owned several civics before, and this silver gem is quite stylish.
Only thing is that it's a 5 speed and I've come to enjoy automatics as you don't have that jolt when you shift. (My husband says it's fine!)
Overall review:
Before buying this used, we did compare several other hybrids. 2003 was a great year for this model, as we compared mileage. We had considered buying a new vehicle but it didn't seem as though that would be the wise, cost efficient route with the initial outlay of money that was required.
Review ID: #530146
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Best car ever
by Greenie on 05/28/2008.
Trim: 2003 Honda Civic Hybrid Hybrid, Owned 5 years.
Fuel economy and reliable.
limited truck space
Overall review:
I would not replace it with any other car. I love it.
Review ID: #528328
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A new trailer for Apollo 18 just debuted and we also have the latest episode from The Schmoes Know Movie Show, courtesy of our sister site Movies.com (more on the Schmoes here), that has the guys take on their top five creatures from space.
What do you think of the new trailer? Interested to see it when it comes out? Check here for complete Apollo 18 photos, videos, showtimes and tickets.
Tags: Apollo 18
BrianIsChill said...
Schmoes Know is actually good,recommend it
"Welcome to the party, pal."
"I am serious... and don't call me Shirley."
"When am I gonna learn how to punch?"
"These go to eleven."
"Benjamin, have you ever been severely beaten about the face & neck?"
"Just keep swimming, swimming, swimming."
"You're gonna need a bigger boat."
"Jessica's got cable."


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Florida governor's plan for health insurance for all can work, experts say
Orlando Sentinel, March 14, 2008
Under Florida Gov. Charlie Crist's "Cover Florida" proposal, the estimated 3.8 million Floridians who lack health insurance would be offered an affordable plan for "$150 a month or less." The proposal would not come with a state mandate that individuals had to buy it or employers had to offer it. Cover Florida also would give insurance companies lots of leeway in deciding how to structure such a health plan. Experts say the plan is doable, but people would need to rein in their expectations when it comes to coverage for hospital stays and other high-ticket medical costs.
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22 Apr 2012 | #1 |
| Shutdown time takes too long after doing the tutorials Please help. I'm currently pissed off about tmy unit which is taking too long to shutdown. I've tried the methods posted here to lessen the startup time and shut-down time of a computer but it only affected the booting process. when I shutdown it still takes that long even with the tweaks. Please help out. |
My System Specs |
. |
22 Apr 2012 | #2 |
| Make sure your system is not set to clear page file at shutdown: Virtual Memory Paging File - Clear at Shutdown - Vista Forums If it is not, perform a clean start to see if it shuts down with minimal applications runnin. If so, you can figure out what is causing the hang at shutdown. Troubleshoot Application Conflicts by Performing a Clean Startup A Guy |
My System Specs |
Thread Tools | |
Similar help and support threads for2: Shutdown time takes too long after doing the tutorials | ||||
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Why my pc takes long time to "Shutdown"? | General Discussion |


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Growing up in New Mexico, never a day went by without some kind of fabulous chile dish. My husband and I have been known to make regular trips to northern NM just to get our chile fix. We are especially excited when Whole Foods "imports" the green stuff – that makes our world go round!
Serves 6
uncihawk says: awesome.
over 2 years ago Reply to this »Donna Taylor from Food52.com says: My latest batch of toffee was sugary rather than smooth and toffe-like. What happened?
Be the first to respondMiss Frizzle from Food52.com says: I'm not really sure how to store my ice cream.
Read the 1 answer or add your own


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This post was written by American Traveler Staffing Professionals
Laura Coles, R.N., former American Traveler nurse, checks in from her African Mercy Ship Past and present team members whose love of travel is as strong as their desire to heal patients inspire us at American Traveler. Laura Coles, R.N. is just the sort of registered nurse we're talking about; one of our favorite travel nurses, Laura still keeps in touch. She sent our Senior Consultant Kristin Zandee a letter chock full of interesting details on what she's been up to, working on Mercy Ships in Africa! Laura's fellow travel nurses are welcome at her blog, Nursing Adventures In Faith. Kristin and the rest of us are eager for Laura to resume her travel nurse career this September. We first met Laura when she was hungry to work "just one!" travel nurse job before her Africa trip. Kristin admired Laura's patience and positive attitude—that, coupled with 4 years experience in the ER, landed her a wonderful travel nurse assignment in Texas—a place she was reserved about at first, but ultimately fell in love with as a great first travel experience—one that lead to amazing friendships. The Texas hospital [+]
This post was written by American Traveler Staffing Professionals
Enjoy the Nations Birthday in Washington, DC Lucky travel nurses or therapists in Washington DC should prepare to sample the many July 4th events this upcoming weekend. The Folklife Festival at the Smithsonian is fun AND educational. And you won't want to miss the fireworks over the reflecting pool by the Washington Monument. Watch for free from a picnic blanket at the monument grounds or do like the locals do, and seek out a comfy off-site vantage point. Tip: Don't drive; take the metro, and check out local restaurants and hotels with rooftop lounges, especially in Arlington, Virginia, for terrific views and lighter crowds.
[+]This post was written by American Traveler Staffing Professionals
Why some nurses are becoming desensitized to hospital alarms Patient safety is foremost in providing excellent healthcare—which is why "alarm fatigue" is an alarming topic. The best way to increase awareness among the medical community, especially those in nursing jobs, is to educate them on what, exactly, nursing alarm fatigue is and when it is most likely to occur. Recently, a hospital in the northeast with a very busy nursing floor had an ill patient's alarm sounding. Surrounded by constantly beeping monitors, nurses failed to respond to this heart patient's alarm, signaling a drop in heart rate and ending in fatality 20 minutes later. Nursing Alarm Fatigue has been blamed; it happens because nurses become desensitized to round the clock beeping. You may be suffering from this fatigue, if, while performing your duties you hear so many ubiquitous alarms, you no longer react with the appropriate degree of concern or speed. In the case of the incident stated above, investigators found that the tragedy was due, in part, to the alarm's volume adjustment by an unknown person; rather than scandal, investigators suspected the alarm was disabled simply because hospital staff sensed its potential to [+]
This post was written by American Traveler Staffing Professionals
Single and in her fifties, RN Gerri loves travel nursing ... Gerri just dropped us a line from Baltimore and is having the time of her life. Traveling with American Traveler going on three years now, the Telemetry / ICU expert is enjoying a brief, eight-week assignment in the 'Monument City' where trips to "Little Italy" and the city's Inner Harbor have made for incredible first time experiences. Lady Luck in Atlantic City has tempted the Southern Belle more than once and the Big Apple is on her list of things to do before her assignment is over. Originally from Milledgeville, Georgia, this 54-year-old nursing dynamo loves to travel and has her heart set on assignments in California and sightseeing along Route 66. At first she thought she was too old to travel, but her American Traveler Consultant, Janet Burrell, quickly dispelled that myth. "I hooked up with Janet and it's been great. We have an excellent rapport and, because of her thoroughness, traveling has been uncomplicated and wonderful," she said. The 30-year practitioner said American Traveler's free private housing is always above standard and she likes the way everyone at Corporate knows who she is, even [+]
This post was written by American Traveler Staffing Professionals
Question I am a Senior Nursing student in a BSN program and graduate next week. I am just curious if you currently have any travel nurse jobs available in Alaska? I want to travel nurse to Alaska within the next year. I'm just curious what the next step is in the process? Thanks, Tyler. Tyler thank you for your question and congratulations on your upcoming graduation! In order to start your career in Travel Nursing you will need to have completed one full year working as an RN; see our graduate nurse information page. It's preferred that the majority of your experience be in an acute care setting, as that is where you will find the most availability for your specialty. The first step to getting started is to apply online at www.americantraveler.com . Once your application is received you will be contacted by a consultant to discuss your plans and travel nurse career goals. Although you might not be looking at starting till next year, it's never to early to fill out the application and begin the process. The application skills check list is a great tool to use to see what [+]
This post was written by Travel Nursing Career Blogger
Nurses, this one's for you! National Nurses Week 2010 gets underway on May 6, providing an opportunity to acknowledge the hard work and selfless care of RNs throughout the country. This year's nurse week theme, Caring Today for a Healthier Tomorrow, "exemplifies nurses' caring and professionalism -- be it at the bedside or in the halls of Congress," said ANA President Rebecca Patton in her National Nurses Week message. The theme seems particularly fitting in this era of sea change and unprecedented growth in the health care industry. And perhaps no one has experienced these changes more than the travel nurse, who is on the front lines of providing health care everywhere -- from hospitals to schools, clinics to home settings. "Nurses give so much to this society, and our travel nurses really step up to provide a crucial service," notes Deborah Bacurin, RN, clinical resource manager at American Traveler. "Nurses Week reminds us all to stop, and take some time to show our hard-working nurses their due appreciation." These little celebrations are part of a movement that has been almost 50 years in the making. National Nurse Week was first observed in October 1954, but did not [+]
This post was written by American Traveler Staffing Professionals
Other states are watching California closely as mandated nurse-patient minimums in the state begin to redefine the standard for quality patient care in America. Surveys completed by 80,000 RNs over a two-year period aimed at gauging the effectiveness of California's minimum nurse law showed that that an increase in RN hours per patient day could lessen patient mortality by as much as 14%, reduce the number of hospital falls and result in fewer hospital-acquired pressure ulcers, report University of Pennsylvania researchers. In addition to a spike in positive patient outcomes, said Clinical Coordinator Deborah Bacurin of travel nursing agency American Traveler, RN staffing has increased substantially in the state, alongside the average RN wage for California nursing jobs. "Nurse-patient minimums are good for patients and nurses," said Bacurin. "They work to reduce the number of deaths following common surgeries, eliminate heavy workloads and improve job satisfaction. They also boost the reputation of preferred travel nurse hospitals." In response to a decades old nursing shortage, Congress in 1993 called on the Institute of Medicine to investigate the impact nurse-patient ratios had on patient care. At the time, findings turned up insufficient evidence to support nurse minimums. Since, [+]
This post was written by American Traveler Staffing Professionals
Are you a hungry travel nurse? We've got sites you'll want to click on every time you're looking to eat well and save! In the United States, it's estimated that 1.5 billion dollars a day are spent eating out—that's a lot of dough, and we're not talking bakeries and pizza joints, here—at least not yet. If you're a travel nurse who's new in town, looking to find just the right pastry shop, restaurant, bistro or bar, or simply desire a way to narrow down your choices on everything from grabbing a quick bite to a long, luxurious supper, we've found some wonderful resources nurses and physical therapists alike would be wise to bookmark. We've also included expert advice from the frugal foodie world on how to save big on all the breakfasts, lunches and dinners you'll eat over the duration of your travel nursing jobs. So, the first hurdle is deciding WHERE you want to eat. Where do you turn for advice on the most bang for your buck, as well as great flavor? Why, the locals, of course! If you're looking for a free guide of the best restaurants [+]
This post was written by American Traveler Staffing Professionals
Last week, we talked to Patrice Ballard, MSN; a travel nurse working as a Clinical Educator and part-time ER nurse for 8 months in Globe, Arizona. Part I of our nurse interview clued us travel nurses—eager to blend our medical talents with the spirit of adventure—into Patrice's exciting months working and traveling the Southwest over. We loved reading about the circumstances behind Patrice's first travel nurse job and tidbits on her unique housing; this week's segment dishes on what it takes to succeed as a traveling nurse and why husbands might just fall in love with the travel nursing life, too. Q: Is your current work as a Clinical Educator as rewarding in and of itself, as the compensation and excitement of travel? A: Absolutely! There's nothing better than preparing my students for nursing careers that will be as rewarding for them, as my career has been for me. Q: What has been the most rewarding aspect of this assignment? A: This travel nursing job has reinforced the way I've always felt about life: that every person is given the unique opportunity to see the good in things or the bad. I've always chosen to see the good, [+]
This post was written by American Traveler Staffing Professionals
Clinical Educator and ER nurse, Partrice Ballard, combines a love of travel with preparing nursing students for bright futures American Traveler caught up with Patrice Ballard, MSN for a chat about her experiences working as a Nurse Educator in Arizona. Part I of this two part nurse interview introduces RNs and physical therapists keen on combining work and travel, to a fellow professional who currently enjoys the best of both worlds. Patrice is a wife, mother and full-time Clinical Educator, with the admirable ability to work, also, in the ER once a week. Here, she shares commentary and tips for making the most of an 8 month long travel nursing assignment. Q: What prompted you to pursue a travel nursing career? A: You know, it's a little ironic—albeit in a wonderful way—that I began a travel nurse career after 15 years in the ER. Friends and family used to describe me as a "hover mother" – couldn't picture me on an out-of-state assignment, but when the opportunity to work 34 weeks in Globe, Arizona came, I jumped on it. Q: You secured a unique position. How did that come about?[+]
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Visit for new brands like Dan Post and Timberland! Enter code for a 10% discount off any item
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The Oregonian, Henry Miller at the Salem Statesman-Journal and Northwest Public Radio have stories out this morning about yesterday's Columbia River gillnetting conference call between the Oregon Fish and Wildlife Commission and ODFW fishery managers.
Basically the commission told staffers to follow Governor Kitzhaber's request and begin drafting rules that would lead to the phasing out of gillnetting on the mainstem and moving the nontribal commercial fleet into off-channel areas.
Reports The Oregonian:
"ODFW director Roy Elicker told the commission that meeting Kitzhaber's end-of-the-year deadline would be a "heavy lift." But the complexity the issue, the lack of trust between competing groups, and the need to coordinate efforts with Washington state makes it a daunting task.
On Tuesday, the two main competing fishing groups had different reactions to Kitzhaber's proposal.
That the commission and governor agree that gillnets should be off the mainstem of the Columbia "is a remarkable change," said Jeremy Wright, spokesman for Stop Gillnets Now. While the group has "a healthy and understandable skepticism" it will support and participate in the rulemaking process, Wright said.
But David Reinhard, a spokesman for Salmon for All which represents commercial fishing interests, said mainstem fishing needed to be retained and that off-channel areas could not be improved enough to replace lost fish.
"The areas are just not cut out for gillnetters," Reinhard said. "It certainly can't make them whole."
The governor wants a three-year transition moving commercial gillnets from the mainstem Columbia into off-channel areas which would be enhanced by more hatchery-raised fish, Brent Brownscombe, Kitzhaber's natural resources adviser, told the commission. Commercial fishermen could only fish in the main river if they used selective fishing gear.
Reports Miller:
Brett Brownscombe, a natural resources policy advisor for the governor, said that Kitzhaber had planned to deal with longstanding conflicts between sport and commercial anglers when the current agreement with Washington about allocations runs out in 2013.
But Ballot Measure 81 on the November ballot moved the timeline
The measure if passed would ban gillnetting on the Oregon side of the Columbia.
"The governor was concerned about the initiative," because of its immediacy, Brownscombe said, adding that the slow transition that Kitzhaber wants, "is designed to draw out and blunt that hit," to commercial fishermen.
The governor opposes Measure 81, he added.
Reports NWPR:
Sport fishermen and environmental groups say the nets kill endangered wild salmon and other marine wildlife. But the commercial fishing industry says a ban on gillnets would be a crippling blow. Oregon Gov. John Kitzhaber opposes the ballot measure. Instead, he wants to phase-out gillnetting along the Columbia over the next four years, but continue to allow it in certain side-channels near the mouth of the river. And the governor wants the plan in place by the end of the year. Oregon Department of Fish and Wildlife Director Roy Elicker says that's an aggressive timetable.
Elicker: "It will be a heavy lift. I will not kid anyone this. I don't think I'm saying anything new here. But I think we can achieve the governor's direction and in a timely way."
Supporters of the ban say they applaud the governor's efforts but haven't yet decided on the future of their ballot measure campaign.
A press release out of ODFW yesterday afternoon reads:
Fish and Wildlife Commission directs ODFW to initiate rule-making for lower Columbia River fisheries managementSALEM, Ore. – The Oregon Fish and Wildlife Commission today directed agency staff to formally begin rule-making that will implement Governor John Kitzhaber's proposed reforms of lower Columbia River fisheries management.
In an Aug. 9 letter, the Governor asked the Commission and ODFW to work with their counterparts in Washington state to develop a new management framework for Columbia River fisheries that prioritizes recreational fisheries in the mainstem of the lower Columbia, and enhances commercial fishing opportunities in off –channel areas while phasing out non-tribal gill nets in the mainstem.
The Commission directed the department to draft rules that reflect the proposals in the Governor's Aug. 9 letter, as well as the additional details provided by his staff at today's meeting. The Commission also directed staff to work closely with the Washington Department of Fish and Wildlife and its Commission.
Bobby Levy, chair of the Oregon Commission, asked staff to develop and present the draft rules for its consideration before the end of 2012.


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Crafternoon activities
Let your child's creative juices flow with these simple ideas to enjoy together. more
8 easy, family friendly recipes each week
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Cakes & Baking, Chocolate, Kids cooking, Kids food, Lunch box, Cake stall
Preheat oven to 180ºC. Line the base of 18cm x 23xcm slice tin with baking paper.
Place butter and cocoa in large bowl and heat in microwave until butter is melted, stir. Add brown sugar and mix well.
Add eggs and flour, - 1 egg and ½ cup flour at a time – making sure to mix after each addition. Add choc bits and combine.
Bake for 30-40 mins or until a skewer inserted into the centre comes out clean. Cool in the tin for 10 minutes then turn onto wire rack.
Dust with icing sugar when cool. Nice served warm as a dessert with berries.
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text:
- March 28, 2013
- 10:16 a.m.
- Suggest removal
- Reply to this post
TroutNoDoubt (Inactive) writes:
Bust my bracket - I don't care!
Fly, Eagles, fly!
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Get ideas and inspiration, find easy to use patterns
and tutorials for your next sewing project.
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Member Project of the Week
Clothingengineer made a classic trench in Pantone's 2014 color of the year. Take a look!
Fashion and Trends
Check out this post all on menswear, and see how Meg was inspired to create her own men's shirts!
Backstage Report
Learn how to set your serger up for sewing a rolled hem in this week's new BurdaStyle Video!
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Perfect the art of sewing collars and stands, including tricks you won't find in books or patterns!
Editors' Pick
Sip cocktails by the fire in faux fur, patterned silks, and more luxurious fabrics.


text:
- January 3, 2011
- 6:23 p.m.
- Suggest removal
- Reply to this post
1MEMPHOMANIAC writes:
More than two clowns in a town usually means that the circus is selling tickets. Clown 1: Gianinni. Clown 2 Pickler.
Whereas I don't like name calling, this two deserve it.
Pickler indicated he may have reason to believe the move could be reconsidered.
"We have been in aggressive conversations with members of their board over the last two weeks," Pickler said.
Mr. Pickler did you use a rubber hose or have them squeeze your rubber nose?
Clowns give me the willies anyway.
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3 Ways to Get an Antiqued Look When Painting Furniture
Pattern names. Good to know for googling purposes. ;)
The Best Paints for Painting Kitchen Cabinets
DIY Built-in Banquette @Gillian Veronica Friedman Lambert Matthew Panasewicz you should do this at the beach house in the new nook!
VERY COOL WEBSITE. enter the dimensions of your room and the things you want to put in it... it helps you come up with ways to arrange it.
Pretty much the best website ever: knockoff DIYs of retail decor. (anthropologie, ballard design, crate barrel, land of nod, pier 1, pottery barn, restoration hardware, urban outfitters, west elm, williams-sonoma and others). Truly some of the neatest ideas ever!!
The Make Room: totally cool website you enter the dimensions of your room and it generates ideas for the layout of the room.
How to Paint furniture like a pro- someday i'll be glad I pinned this!
City Farmhouse: Creating A Custom Look Without The High Dollar Price Tag & Guest Post
how to repaint chipped, flaking or dirty moldings so they look like new... the secrets of a professional-looking job
Making your house chic with hundreds of DIY Projects... Pin now, look later. :)
ENTIRE house before/after redecorating and organizing. No renovation required...pin now read later
Love this site! Shows cheaper options for great stuff. (love this bench!)
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Just doing me! loving God Family Music, friends&life. Beauty Therapist, counting my blessings #Hooligan:)
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@songz30 here's one I'm gona try email rest later xxx
With my Chica @FallenAngelXtin during the @BrunoMars concert xx
Kam looking again thinking she still got her camera on me! That would be a yes!
HOOLIGAN harmony
Bruno x
Jam side pro :)
kENJI X
This was the one i was suppose to upload BRUNOOO
Bruno hat back on..
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Phil and Jam.. love this
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Want one tough challenge? Try the one that faces income investors. Pure dividend payers are getting sold in bulk.
Will traders keep throwing these stocks away?
At this time, income investors know the negative driving the sale -- the Fed. That part is easy. However, before moving a dividend stock into the "sell" box, balance each investment's relationship to improving GDP growth against rising rates driven by Fed tapering. It can be fruitful.
One strategy is to study a sweet spot inside Finance. The current macro 'teeter-totter' analysis, weighing positives against the negatives, looks rich to many inside this industry. Finance 'quants' can apply seasoned tactics to shifts in a macro climate. The most profitable Finance business models can hint at macro levers inside other cash-rich sectors of the economy too, like Info Tech, Health Care and Telcos.
Let's begin by covering the rates waterfront.
Rates Are Rising
This fact most investors know. Ten-year U.S. Treasury rates went up 85 basis points from May 11 (the yield was 1.9%). If futures markets prove accurate, the 10-year ends 2013 just under 3.0%.
Rising risk-free rates mean Finance stocks need a dividend growth component. Though the reality is, strong earnings growth is not a replacement for yield growth. But it helps make the case for a stock, its management and a company's business model.
Further into the income investor problem, what about waning demand for high yield bonds?
That is a question which has faced less market focus.
Credit Spreads Are Widening
High yield credit spreads have widened 110 basis points or more since the Fed announcement.
As a result, yield comparisons on dividend stocks to fixed income face the double pressure of rising risk-free rates and credit spread widening. In a widening spread environment, a company's ability to manage operating and financial risk grows more important. And investors can pick up higher yields on high yield, substituting away from dividend stocks even more.
With "yield for yield's sake" at risk, analysts turn away from companies with high dividends; unless underlying businesses can grow dividends by offering greater free cash flow down the road. That insight led us to the property/casualty (P&C) insurers.
As results below show, P&C companies can grow cash flow in an improving macro environment.
In Q1, P&C Insurers' Overall Results Improved
A report published by ISO, a company in New Jersey compiling private P&C insurer data, announced U.S. P&C insurers' net income after taxes increased to $14.4B in Q1-13 from $10.2 billion in Q1-12. The increase in net income was primarily driven by net gains on underwriting, which swung to a $4.6B gain in Q1-13 from a $0.1B loss in Q1-12.
Analysts look to the next four quarters to build on these results.
Underwriting Turned Profitable... For the First Time in Years
In Q1-13, net gains on underwriting were a function of (1) premium growth, (2) increases in reserve releases, and (3) a decline in weather-related catastrophe losses.
- The $4.6B net gain amounted to a +4.1% y/y increase in net premiums written (NPW), from $117.1B compared with $112.5B in Q1-12.
- Net loss and loss adjustment expenses (LLAE) decreased -1.9% in y/y terms. The reduction was from $74.2B in Q1-13 from $75.6B in Q1-12. The decline in LLAE reflected both favorable reserve development and a decline in catastrophe losses. The combined ratio improved by +4.1% (y/y) to 94.8% in Q1-13 compared with 99% Q1-12.
- Other underwriting expenses increased by +4.5% in y/y terms, partially offsetting the decline in LLAE. Other underwriting expenses totaled $33.5B in Q1-13 compared with $32.0B in Q1-12.
That may sound complex. But these three facts boil down to one insight: Find businesses that can grow upside faster than the economy's +4% nominal growth target, and shrink down expenses in the process. As shown by the facts above, P&C is one such industry. It has seen these cycles before, time and again.
The next section shows how rising interest rates play out for P&C companies. This answer may surprise you.
'It ain't all roses,' as most people think.
Rising Rates Are a Double-Edged Sword
I pulled this comment from a P&C insurance analyst:
"Slowly rising interest rates may be construed as positive for the industry, as maturing securities can be rolled into higher yielding investments, helping to boost net investment income. Such higher net investment income can then be used to offset catastrophe losses. In addition, rising interest rates may indicate an improving economy, which can spur GDP growth and thus premium growth.
"However, since insurance firms are large investors in fixed income securities, the values of which decline with rising interest rates, the asset valuations and thus book values of insurers tend to drop with rising interest rates. Since insurance stock prices tend to move with book values, higher interest rates are therefore also a negative factor for the stocks. Furthermore, rising interest rates typically indicate inflation, and higher claims costs are a negative.
"The key to determining whether interest rates will have a net positive or negative impact on the sector is magnitude and speed of directional change. A slow change is generally positive, a rapid change is negative, as then claims costs may rise and book values fall faster than rollover funds can be reinvested." - Gloria Vogel CFA, Drexel Hamilton
Here are the Price to Book Ratios and Price to Earnings ratios for various types of insurers:
Insurance Brokerage: P/B 2.4, P/E 14.9
Bermuda Property/Casualty: Average Price to Book: 0.9, Average P/E: 10.3
Bond Insurers: P/B 0.8, P/E 9.1
Diversified: P/B 0.8, P/E 11.2
Life Traditional: P/B 0.8, P/E 12.1
P&C Builds Up Cash
Gather up all the facts and you can see this:
P&C cash flow over the last four quarters increased in a material way.
It reflected better paid loss ratios and higher premium growth. With modest growth in the economy raising premium volume further, and commercial insurers achieving mid-single-digit rate increases, cash flow should increase for P&C insurers over the next year too.
What about the headwinds?
The insurance rate environment in the P&C space is expected to soften somewhat in the next 12 months. Going forward, losses can diverge for different insurers. Exposure to catastrophic events always lurks in the P&C background, much like airlines and oil price shocks. Specific factors can make loss trends and rates different by line of P&C business.
However, this much should be clear to you. GDP growth raises P&C earnings and lowers macro risks. Bullish analysts add in a continued 'normalization' of catastrophes, couple it to high-single-digit rate increases and note a pricing dislocation in many individual insurance markets.
This is a medley of broad and specific factors. They can allow P&C insurers to grow cash flow at greater levels than those seen in softer markets. In early July, to no surprise, the P&C focused insurance industry is a Zacks Industry Rank of #41 out of 259 industries. Multi-line insurers are #27.
P&C insurers expected to see strong cash flow growth: AmTrust (AFSI - Snapshot Report) a Zacks Rank #2 with an Outperform Rating and a dividend yield of 1.4%, Markel (MKL - Snapshot Report) a Zacks Rank #3 with an Outperform rating, and Travelers (TRV - Analyst Report) a Zacks Rank #3 with an Outperform rating and a dividend yield of 2.5%.
Note I chose Outperform ratings over the current Zacks Rank. Most income investors are longer-term investors, meaning six months or more.
What comments sum it up for the besieged income investor?
Broaden your target. Don't aim solely at high dividend yields. Focus on the underlying business case for building and sharing cash flow in an improving macro environment.
Please login to Zacks.com or register to post a comment.
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- April 22, 2011
- 7:45 a.m.
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Iwannagofast writes:
I'm with ya Prudent. Lady, get a generator, at least you won't miss Thursday night must see T.V.
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Wednesday, December 11, 2013
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Lubbock man gets ten years for child sexual exploitation
Tuesday, September 04, 2012
A former Lubbock man gets ten years of prison for the sexual explotiation of a child, followed by ten more years of parole and must register as a sex offender.
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Monday, August 27, 2012
An early morning party leads to fight, leaving one girl with life threatening injuries.
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Wednesday, October 12, 2011
Four men are now behind bars after they used social media to contact the profile of a 15-year-old girl to arrange for sexual encounters, police said.
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4 arraigned in alleged gang rape of Calif. girl
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Four teenagers face adult charges in the alleged gang rape of a 15-year-old girl outside her Northern California high school's homecoming dance.
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Your Search Returned 20 tagged news reports
Political divisions should be benched to beat Obamacare When I was a teenager, we loved to play baseball, and in my neighborhood there were two teams...It was not uncommon for fights to break out when they played each other. On one very memorable day,
Suggested Topics The government should consider banning Muslim girls and young women from wearing the veil in public places, a Liberal Democrat minister has said. Home Office Minister Jeremy Browne called for a national debate on whether the state
by Rev. Austin Miles When everybody has freedom, nobody has freedom. The above thought, long held by this reviewer, is evident in the new Transaction Publishers release, "Restricting Freedoms;
Former Devo drummer Alan Myers may have died after a battle with brain cancer on Monday, June 24, but his legacy as part of the "Whip It" band lives on...Myers, who was the third -- and arguably most well-known -- drummer for the American New Wave
Monday Dec 17, 2012 Simple Minds headlined the bands of the 80s but robo-punks Devo stole the show. Yes, this vineyard show might have been bands which all had their heydays back in the 80s. And it might have been headlined by Simple Minds, a group
The veteran bands play new songs alongside numerous golden oldies during a late-summer double bill in the great outdoors of the Greek. On a night when the biggest story in pop music was two of this generation's fading pop stars facing off against
Scottish super act Simple Minds, American new wavers Devo and Australian psychedelic pop and rock veterans The Church play a one-off New Zealand show at Villa Maria Estate in Auckland on Saturday, December 15...The innovative and quirky band from
The band members knew the score that mattered most to locals -- the one that read 36-32, San Francisco over New Orleans -- and they weren't shy about using that bit of information to their advantage at the Fillmore. "Greetings, people of the Bay,"
New Wave band from Akron, Ohio, that turned up in the late '70s with hazmat suits and flowerpot (or energy dome) headgear to inform us that the course of evolution had reversed itself...Beginnings: Devo -- which, at one point, featured three
As the screams of affirmation came roaring down from the balcony, Casale briefly resembled a mutant Oral Roberts basking in the glow of his congregation...It is hard to explain to anyone who doesn't remember a world before Devo just how subversive


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Cameron Simcik
Cameron Simcik is a graduate of Bucknell University. She has written for Her Campus and is currently the Philadelphia Travel City Editor for The Daily Meal and a contributing writer for TheFW and GuySpeed.
Being a waiter or waitress can be pretty tough at times. Complaining customers, lame tips-- the list goes on. But of course there are the select few awesome diners who actually appreciate their servers (or just want to give 'em a laugh), and they leave a clever notes on the receipt.
If you've ever held some sort of customer service position, you know it can be incredibly trying, to say the least. Whether you've been a waiter, bartender or even a stylist, getting feedback on comment cards is just part of the ole job. While some notes can be harsh, according to our Instagram findings, a decent amount are actually really helpful.
We've gotta hand it to the sign-makers of the world. They come up with some pretty creative stuff that makes us scratch our heads and get in boozy moods. But the street signers? Well, they're a whole 'nother funny animal.
There are certain times when we just need a hug. You know-- when we thought Twinkies were going extinct or after the 'Game of Thrones' 'Red Wedding' episode, AKA hard-hitting stuff.
We've come across a ton of cute stuff in our time, like baby owls and sleepy kiddos. But we're going out on a limb here and claiming our latest finds are among the most adorable. Guys, it's animals with their teddy bears. Aww, come on now!
Raise your hand if you love trampolines! We sure do, particularly because they're like an instant way to revisit our inner five-year-old. While trampolines are no doubt fun, they can be hilariously painful, too (see: epic fails). If you think about it, though, the trampoline concept is also straight up confusing. That's why these animals are all, "what the heck, man?!"
The restaurant biz is super competitive, which is why standing out from every other place is a key compenent to success. Of course a good restaurant should have great food, but first impressions (aka the kind that happen before you even walk into an establishment) are often overlooked. This is where creative signs come into play.
With July 4th coming up, a lot of us are getting in the patriotic spirit with firework GIFs and festive food. But you know what? Celebrating 'merica doesn't only have to happen once every July. These people are showing off their patriotism year round!
Listen everyone, there's a huge dilemma on hand. The 4th of July is only a day away, and we have one question for you: what the heck are you gonna wear?! If you're like us and have zero idea, don't panic. We're here to help.
We're all entitled to our own opinions, but food is arguably the best part of any holiday. See, eating our way through this sort of celebration is an automatic win-win-- we're happy, our stomach's are happy, everyone's happy.


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When asked about his choice in shoe, the Nike Air Force 1, he answered:
"The outsole was one of the main reasons as it has such a flat sole to sink the speaker cone level against. The fact that the Air Force 1 is probably one of the worlds most recognisable and iconic sneakers was a plus."
Iconic. Careful craftsmanship. And hopefully the sound isn't bad either (there's a tweeter crammed in there somehow). We feel this project is a huge success! Now, if we can possibly get one send to our Unplggd offices...
Be sure to check out the photographic walkthrough of their DIY building process over at Art & Sole.MORE SPEAKER FUN:
- Create a Low Cost Spherical Speaker Array
- Reuse & Recycle: Turn Paper Into Speakers
- Create Mini Speakers Out of an Altoids Tin
- Upcycle Vintage Audio & Make Old School iPod Speakers
(Via Technabob)


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You?ll never lose your way in hipster paradise in these Brooklyn Metro Cuffs are here to guide the way from DUMBO (Down Under the Manhattan Bridge Overpass) to Coney Island, from Red Hook to Williamsburg...and everywhere in between. Officially licensed by
Officially Licensed by the MTA. Stainless Steel cuff. 2 inches in width and diameter.
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Creating a Geo Zone in OpenCart
Previously, we discussed what Geo Zones are and why they are important. You can create new Geo Zones from within the OpenCart Dashboard. The following will explain the steps on setting up a Geo Zone in Open Cart.
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small, annoying twat who thinks hes clever by balancing an ugly burberry cap on the back of his head at a 180 degree angle! thinking about it, he probably stuck it there with the chewing gum he'd bin chewing for the past 3 days because he coodnt afford nemore! hed spent all his money on fags and blingin' jewerly, wich he either jacked or got for 2.50 of the back of a lorry. His inability to dress himself is shown through the way his tracksuits, that already look stupid clingin halfway up his ankles, are tucked into his 'heavy' sports socks, followed by either dirty white trainers or ones that are so dsazzlingly white you need to squint! They are usually found with girls 3ft taller than them and that are 5 yrs older than them! The girls are usually found wearing extremely tight clothe with a coat 3 sizes too small with a fluffy hood that sticks out. They always wear knee high boots, with anything, even with their errr... would you call it a skirt?!?! more like a BELT! and then theres the pink or light blue trackies! they look RIDICULOUS!!!!!!! Their died blonde hair is a reason to wear sunglasses, although, towards the top of thehead you can see the nice dark roots, with more grease than mcdonalds, which isnt reely suprising since that is their territory and probably their homes! The 15 yr old n her 10 yr old boyfriend probably conceived their 1st 3 kids in the toiulets there! (Think about that the next time you go in!) Oh and one more thing, if a lil chav that barley comes to your knees tries to pick a fight with you, be afraid! They bite! and in that area it could hurt, especially for a guy! So watch out! They're errrr... tougher than they look?!?!? HA! My arse! say a word longer than 2 sylables and theyll go running!
'what do you call a 13 yr old chav?'


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- August 2, 2012
- 2:11 p.m.
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wyzard writes:
Give Wendi some credit. She is able to take the most complicated issue and compress it all down to the simplest of terms, "racist white people". Funny how she so easily overlooks all the racist blacks in this city, and there are a plethora, many in elected political offices.
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Colin Jeffery
UPDATE: Elderly man missing from St. Charles County home
Wednesday, 12 June 2013 14:51 Published in Local NewsUPDATE at 4:05 PM: Police say that James Moon was last seen Tuesday afternoon in Lincoln County, MO. Officers believe he could be trying to get to Iowa.
A St. Charles County family is asking for help to find an elderly man who has been missing for a day.
81-year-old James Moon has been missing since 5:30 Tuesday morning. He was last seen at his house near Highway Y in O'Fallon, Missouri. Moon suffers from dementia and is diabetic. His family says he is does not drive and is probably disoriented.
Moon is 5'10" and weighs 140 pounds. He could be wearing blue jeans and a khaki colored cap. It is possible he is trying to hitchhike to his old home in Ste. Genevieve.
Anyone with information should call the St. Charles County Sheriff's Department at 636-949-0809.
Mizzou Chancellor announced he will retire in November
Wednesday, 12 June 2013 14:37 Published in Local NewsMizzou is looking for a new Chancellor. Brady Deaton announced he will leave the position effective November 15.
Deaton became chancellor in 2004 and will continue to serve as chancellor emeritus. The school has not named a successor.
St. Louis start-up companies will soon have new resources available to help them succeed.
The St. Louis Business Journal reports that local governments and private groups are starting work to create a $100 million fund to help area start-ups. The Wall Street Journal, the region trails behind the rest of the country in funding for start-ups. Missouri ranks 34th in venture-capital dollars awarded last year.
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Mason, No. 3 Auburn beat No. 5 Missouri 59-42
ATLANTA (AP) — Tre Mason struck a pose — a Heisman Trophy pose. Looks like the Auburn Tigers running back will get a shot at something he wants even more. A national title. Maso...
Missouri TB Josey is game-breaker again
COLUMBIA, Mo. (AP) — A little more than two years ago, Henry Josey ripped his left knee to shreds making a cut. He tore the ACL, MCL and patellar tendon on a 2-yard gain against Te...
Missouri bests West Virginia
COLUMBIA, Mo. (AP) — Jordan Clarkson scored 25 points and Jabari Brown added 18 to help Missouri defeat West Virginia 80-71 Thursday night in the Big 12/SEC Challenge. Missouri sh...
Blues hand Islanders 8th straight loss, 5-1
ST. LOUIS (AP) -- Derek Roy and David Backes scored power-play goals 2:31 apart in the second period to lead the St. Louis Blues to a 5-1 win over the struggling New York Island...
TALLAHASSEE, Fla. (AP) -- Jameis Winston will learn whether he faces prosecution Thursday when a state attorney finally announces the results of an intensive investigation into ...
EAST LANSING, Mich. (AP) -- North Carolina flashed its potential again, earning another impressive victory after a second shaky setback. J.P. Tokoto had 12 points and a care...
NEW YORK (AP) -- Free agent outfielder Jacoby Ellsbury, fresh off winning the World Series with Boston, reached agreement with the rival New York Yankees on a seven-year contrac...


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Gordon Gee, the former president at Vanderbilt, set off a firestorm earlier this week when he, now the president of Ohio State, scoffed at the Bowl Championship Series rankings and said teams like Boise State and TCU have no business being at the top with college football's "big boys" who face a "murderer's row" week after week instead of playing "the Little Sisters of the Poor."
Gee said what many feel; that the Southeastern Conference, the Big Ten, the Pac-10 and the Big 12 offer a much more demanding gauntlet of a season than the lighter schedules that Boise and TCU have mastered.
By the very next day, Bob Kustra, the president of unbeaten Boise State, called Gee's comments, "the greatest exaggeration I think we've heard this year in college football." He also grabbed Ohio State's schedule and retorted, "If they're not playing the Little Sisters of the Poor, they're playing the Little Brothers.
"I don't mind somebody stating that they don't think we ought to be in the national championship," said Kustra, "but to do it with such erroneous information as Gordon Gee has used gets under the skin of all of us who thought university presidents were supposed to be standing for fairness, equity and truth."
Well, that blithe exchange between two noted leaders of higher education brings us to the greatest week in college football. In a rare Friday and Saturday chock full of crucial games, allow me to veer from my customary "Top 10" and comment on many more that will decide the BCS, bowl-game pairings and just about any other question that still might linger by early Sunday morning.
Here we go:
Friday's Games:
No. 2 AUBURN (11-0)at No. 9 ALABAMA (9-2), 2:30 p.m. (CBS Sports) -- Back in August, long before the first kickoff of the season, there were strong rumors that this could be the game of the year -- today it really is. Auburn must beat its nemesis for the Tigers' national title hopes to thrive but Alabama is still a 4-point pick going up against the best player in the country -- Cam Newton. With stars galore on both teams, how does it get any better than this? MY PICK? Alabama, 28-21.
COLORADO (5-6)at No. 16 NEBRASKA (9-2), 3:30 pm. (ABC Sports) -- The Huskers, ears still burning after last week's tirade following the stunning 9-6 loss to Texas A&M, are a 18-point favorite going into Boulder, but ever since Brian Cabral became the interim coach after the 52-45 loss to Kansas, Colorado has won twice. Now Cabral, who played for the Buffs in the '70s, says, "This program is centered around (beating) Nebraska. There's no question in my mind." Just the same, 18 is a lot of points. MY PICK? Nebraska, 27-13.
No. 20 ARIZONA (7-3) at No. 1 OREGON (10-0), 7:00 p.m. (ESPN) -- Mighty Oregon barely beat Cal last week, 15-13, but any flash fell off Arizona with two straight losses. Oregon is also an 18-point pick, but after last week's scare you feel better about the Ducks' chances to cover the spread. After tomorrow, UO can run the table at Oregon State next week while Arizona plays at Arizona State in the finale. MY PICK? Oregon, 42-17.
No. 3 BOISE STATE (10-0) at No. 19 NEVADA (10-1), 10:15 p.m. (ESPN) -- Boise is the most explosive team in the country, scoring over 50 points in the last two weeks and averaging 49.7 for the year. Yes, UN has won 11 straight at home, but I don't see how Nevada can contain BSU's sensational Kellen Moore who is completing 71.8 percent of his passes (best in the nation) and has now thrown for 28 TDs. BSU is a 14-point favorite and I think that's golden. MY PICK? Boise State, 48-14.
Saturday's Games:
MICHIGAN (7-4) at No. 8 OHIO STATE 10-1) , 12 Noon (ABC Sports) -- UM looked good in the 48-28 romp over Wisconsin while Tressel & Co. had to claw for a 20-17 verdict at Iowa. This is one of the most gloried rivalries in the country, but there is that peculiar odor that tells us if Rich Rodriquez does not come back to Ann Arbor a winner tomorrow, he might not need to bother. The reason? UM has now lost six straight to OSU and that rankles the purists. The Buckeyes are favored by 17 so despite UM being assured of a bowl game, ole "Rich-Rod" better not buy any green bananas. MY PICK? Ohio State, 31-21.
No. 11 MICHIGAN STATE (10-1) at PENN STATE (7-4), 12 Noon (ESPN2) -- Joe Paterno, winning four of the last five, announced Tuesday he'll return for the Nittany Lions next year so you know the 83-year-old coach won't be giving the PSU version of the "Gipper "speech tomorrow. After all, we know that the MSU version works after the Spartans have won 6-of-7 following Mark Dantanio's heart attack following the Notre Dame game. The good part about this one is that MSU is favored by 1, it's in State College and to PSU fans this is the biggest game of the year. Yeah, I like the old geezer. MY PICK? Penn State, 28-24.
VIRGINIA (4-7) at No. 13 VA. TECH (9-2), 12 Noon -- It's a great story, how Va. Tech lost twice within a week at the start of the season and has since won nine straight for a berth in the ACC Championships so the logical thinking is they'll bash the Cavs. VT is picked by 23 after three straight losses, but the Wahoos have pride and the hint is this won't be a runaway with the Hokies a little wary before heading to the big one in Charlotte next week. MY PICK? Va. Tech, 28-14.
KENTUCKY (6-5, 2-5) at TENNESSEE (5-6, 2-5), 12:20 p.m. (SEC Network) -- I've got Tennessee pretty strong here. Rookie QB Tyler Bray was a little sluggish last week in the 24-10 yawner at Vandy, but the running game responded, which is huge after a season like this one has been. With a balanced attack and "football is fun again," UT has the speed, size and talent to outdistance the Cats, 2-2 in the last four games. UT knows a bowl bid hinges on what happens and with this one in Knoxville, UK's 3-point edge is shaky at best. MY PICK? Tennessee 27-14.
No. 6 LSU (10-1, 6-1) at No. 12 ARKANSAS (9-2, 5-2), 3:30 p.m. (CBS Sports) -- This is Saturday's answer to Friday's Alabama-Auburn showdown. LSU, now fifth in the BCS, has to get past a very good Arkansas and Ryan Mallet, the UA quarterback, would be an All-American anywhere else but the SEC West. The Razorbacks are favored by 3, but Les Miles has pulled the rabbit out of the hat too many times to discount a team that beat Alabama by 3 and lost to Auburn by just 7. MY PICK? LSU, 31-28 in overtime.
FLORIDA (7-4, 4-4) at No. 22 FLORIDA STATE (8-3), 3:30 p.m. -- (ABC Sports) -- So here come the Gators into Tallahassee, winning just three in the last seven, and UF is searching for redemption. FSU, on the other hand, needs Maryland to beat N.C. State for the 'Noles to slip in next week's ACC championship, so the story line is complicated. UF, you'll recall, got legendary Bobby Bowden axed after whipping FSU for the sixth straight time last November, so the Gators don't mind being a two-point underdog ... much. MY PICK? Florida, 26-24.
No. 21 N.C. STATE (8-3) at MARYLAND, 3:30 (ESPN2) -- This is real simple. If NCS wins they'll get a rematch against Va. Tech in the ACC title game (VT beat the Pack, 41-30 on Oct. 2), but if the Terps, a 2-point underdog, can pull this out, Florida State will probably offer a better game to TV viewers. The Wolfpack is 4-3 in the last seven games while UM is 3-3 in the last six so you can understand NCS coach Tom O'Brien's reasoning. ``We've tried to keep it as a one-game championship each and every week. Now they believe me because it is the last game. It is the championship game of the Atlantic Division. We have an opportunity to do something special.'' MY PICK? N.C. State, 24-20.
BYU (6-5) at No. 23 UTAH (9-2), 3:30 p.m. (CBS College Sports) -- Before you start laughing, BYU has won the last four games, the scores of the last three being 55-7, 49-10 and 40-7. The powerful Utes know better than most that 11 of the last 13 games in this storied series have been decided by 7 points or less. So, go ahead, jump on the fact Utah is a 10-point favorite all you want because for two schools located only 50 miles apart, I got a hunch BYU just might surprise a lot of people. MY PICK? BYU, 31-27.
NORTHWESTERN (7-4) at No. 5 WISCONSIN (10-1), 3:30 p.m. (CBS Sports) -- It's just been two weeks since Wisconsin crushed Indiana, 83-20 and last week the Badgers chomped Michigan by 20. While the thought is UW will bring out the steamroller -- the Badgers are favored by 23 -- NWU knows that with four losses in the last six games another shabby showing will likely cause embattled coach Ron Zook some "consternation." But a NU win is a tall order. MY PICK? Wisconsin, 36-17.
No. 25 MISS. STATE (7-4, 3-4) at OLE MISS (4-7, 1-6), 7:00 P.M. -- State, a team that can't remember being nationally-ranked this late in the year, can cap a glowing season in the SEC West in this year's rendition of "The Egg Bowl" but Ole Miss, after a tolerable showing in last week's 43-36 loss to LSU, will play their hearts out with no bowl game in sight. Dan Mullen has done wonders with the Bulldogs and with recruiting such a factor in the Magnolia State, you would think the cowbells will ring loud and long. But MSU is just a 2-point pick and, in Oxford, stranger things have happened to the Bulldogs' hopes before. MY PICK? Miss. State, 24-21.
No. 18 SOUTH CAROLINA (8-3, 5-3) at CLEMSON (6-5), 7:00 P.M. (ESPN2) – South Carolina goes into "Death Valley" a 3-point pick, but the Gamecocks, with a chance to become the third team in USC history to win nine regular-season games, are calling this the biggest game of the year. The "state championship" over the SEC title? No, but with QB Stephen Garcia, RB Marcus Lattimore and WR Alshon Jeffery clicking, this could be a rout. MY PICK? South Carolina, 35-14.
WAKE FOREST (2-9) at VANDERBILT (2-9, 1-7), 7;30 p.m. (CSS) – Vanderbilt coach Robbie Caldwell is on the wire, and despite a groundswell of support coming after VU officials winced this week at the record, you've got to remember he was "appointed" just days before August practice began. All the players in this game – with 18 losses combined -- just want the season to end but Vandy, and Caldwell, have a chance since the Commodores are favored by 6. MY PICK? Vandy, 24-17.
GEORGIA TECH (6-5) at GEORGIA (5-6, 3-5), 7:45 p.m. (ESPN) – The luster is off this Deep South rivalry, but with Georgia struggling for a bowl bid, you have to believe the 'Dawgs will pounce. UGa is favored by 14 after winning four of the last six games so the big question is will this be WR A.J. Green's last game in Athens. He says he's "not made up my mind yet" but his mom wants him to get a college degree. MY PICK? Georgia, 37-21.
No. 14 OKLAHOMA (9-2) at No. 10 OKLA. STATE (10-1), 8:00 p.m. (ABC Sports) – They call this "Bedlam" and with OSU sitting on 10 wins, the Sooners are in a great spot as a 3-point underdog. OSU would rather be the underdog – the Cowboy players like it better – and OSU has clobbered the last two opponents, but many in Norman are making the trip because they think Bobby Stoops is ready to create "Bedlam" for the eighth straight time. MY PICK? Oklahoma, 34-28.
NOTRE DAME (6-5) at SOUTHERN CAL (7-4), 8:00 p.m. -- Notre Dame comes to the coast after losing two of the last four – not to mention the tragic off-the-field events that have made this the longest season in South Bend in years. USC, with last week's 36-7 loss to Oregon State downright embarrassing, needs QB Matt Barkley to play in order to win the ninth straight over the Irish. Both teams are having down seasons, hardly a sign of this great series, so figure USC being favored by 4 is the best indicator. MY PICK? Southern Cal, 29-24.
* * *
Last Night - No. 17 Texas A&M (9-3) won a 24-17 Thanksgiving night victory over arch-rival Texas, handing the Longhorns (5-7) their first losing season since 1997. "From the first scrimmage of the year, I didn't see what I wanted,'' Texas coach Mack Brown said afterwards, ``I learned I don't like losing. It's been 20 years since I haven't been to a bowl.''
December 12, 2013
"George was a great sport, loved the game of tennis and he would fight you to the wire every time you played. Above all, you knew every call he made was the right call and you probably got few ... (click for more)
The Braves have announced their full Minor League coaching staffs for 2014, which includes the return of five managers and the addition of a few members to the staff. Rich Dubee will join ... (click for more)
LAKE BUENA VISTA, Fla. -- Braves general manager Frank Wren feels he made progress as he conversed with a number of agents and other executives this week. But as the third day of this year's ... (click for more)
"George was a great sport, loved the game of tennis and he would fight you to the wire every time you played. Above all, you knew every call he made was the right call and you probably got few others in your favor." -- Forrest Simmons, former Chattanooga City Closed Singles Champion Known for his speed on the court, a solid forehand ... (click for more)
The Braves have announced their full Minor League coaching staffs for 2014, which includes the return of five managers and the addition of a few members to the staff. Rich Dubee will join the organization as Minor League pitching coordinator, while Ronnie Ortegon will come on as Minor League hitting coordinator and Bobby Mitchell as Minor League roving outfield/baserunning instructor. ... (click for more)
The House of Representatives on Thursday night passed the Bipartisan Budget Act of 2013, and District 3 Congressman Chuck Fleischmann called it " a modest step toward reforming spending and setting our government on a more stable path." However, District 4 Congressman Scott DesJarlais was opposed. The bill passed 332-94. Rep. Fleischmann said, "This agreement ... (click for more)
A man has been charged with domestic assault after a standoff Wednesday night with police. At approximately 11:30 p.m. on Wednesday, Chattanooga Police responded to a domestic violence call at 315 Tremont St. It was reported that a man had physically assaulted a woman at that location. Prior to officers' arrival, it was reported that the suspect fired a single ... (click for more)
Seventy-two years ago, Japan carried out an unprovoked, surprise attack on the Pearl Harbor Naval Base. Later on that day, Dec. 7, 1941, after hearing of the success of the raid, the Japanese commander and the actual planner of the attack, Admiral Yamamoto said, "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve." Councilman Chris Anderson ... (click for more)
Ever since late August I have devoted my Friday story to picking football games, so as we get back into the random swing, let's take a look at some of the notes that clutter my desk. * * * Cade Foster, the Alabama field-goal kicker who was horribly abused by some Crimson Tide fans when three kicks went awry against Auburn, just got a handwritten letter-of-support he is gleefully ... (click for more)


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Haslam to chair National Governors Association health committee
- E.J. Boyer
- Staff Writer- Nashville Business Journal
- Email | Twitter | Google+
The National Governors Association (NGA) has tapped Gov. Bill Haslam to chair its Health and Human Services Committee, one of five standing committees. Vermont Gov. Peter Shumlin, a Democrat, will serve as vice chair.
According to the NGA website, the committee handles issues related to Medicaid, federal-state safety net programs such as TANF, Supplemental Nutrition Assistance and other social services.
This is the second health related appointment Gov. Haslam has gotten from the NGA this year. In May, he was tapped to co-chair a new health care sustainability task force the association has formed, along with Oregon Gov. John Kitzhaber.
That task force focuses on state innovations that require the redesign of health care delivery and payment systems to improve quality and control costs.
E.J. Boyer covers Nashville's health care industry.
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To celebrate the one-week anniversary of last Friday, let's watch some videos!
Here's a new song from Heavy Cream called "Dead Beat," as shot by April Novak at The Other Basement last Friday night, when Tristen was playing The Basement, or the Other Other Basement, depending on your view of things. More vids here and here and here.
That's the same night that Powerbrrrd played their final show, their swan song, if you will, at Nashville's favorite dive, Springwater. Some rad friends caught the action on camera, and here's "Car Struck." More vids: "Fuck City," "Bottle Rocket," "Alarm Clock" and "Don't Ask."
That's also the same night Leslie Keffer had her record release show at Nashville's other favorite dive, Betty's:
Showing 1-2 of 2


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Last updated on 12/19/13 UTC
Westminster Overview
Coldwell Banker Helps You Learn More About Westminster, California Real Estate
Westminster, California is located in Orange. Nearby cities and towns include Fountain Valley, Garden Grove, Huntington Beach, Midway City and Stanton. Westminster is an urban community with a population of 90,283. The median household income in Westminster is $61,892. 57% of residents are married and families with children reside in 41% of Westminster households. Half the population of Westminster commutes 24 minutes or more to work, with 79% of residents holding white collar jobs and 21% residents holding blue collar jobs.
The median age of homes in Westminster, CA is 31 years, with 53% of those homes owned, 40% rented and 5% not occupied. In the previous year, 298 Westminster properties were sold. The median sale price of a home in Westminster in the previous year was $390,000. Find a Coldwell Banker real estate agent in Westminster, California today.
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UntangleUNTAN'GLE, v.t. To disentangle; to loose from tangles or intricacy; as, to untangle thread. Find more dictionary definitions for "untangle" at Wordswarm.net
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Browser History Cleaner 4.6
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text:
G'day folks,
Being a part of Scouts-l here I find is a fantastic opportunity, I have learnt much, traded well and find some generally very nice people around here - I wish to ask for some help of some kind from these very nice people.
I am responsible here in South Australia for coming up with bright ideas (new ones - different every year) for giving Cub Scouts some fantastic things to do (and maybe go) and also for enthusing Cub Scout Leaders, by trying to find some new ideas, different way of doing things etc.... It is the Leader objective I have become stuck on, my collections of materials have been handed out to most Leaders by now (hey - I got mine at the same training sessions they are attending) and the new information I get is often pushed out before I have read it myself!!
I have seen mention of a couple of activities that I would not mind getting some information about. The first are pow-wow books, I know they cost money (problem for me is being a full time student - unable to buy much). The second are the Baden-Powell Universities - the sessions I have seen mentioned here on Scouts-L look brilliant.
I was hoping that soemone may want to trade some information, I would love to get my hands on a couple of pow-wow books, and some of the information from the universities, I am sure we could work out a trade of something you would like from down under (not Johnson Hats - they cost more in postage than they do to buy!!!!!)
If someone could see their way to helping me I really would appreciate it.
TTFN YIS Alan --- timEd 1.01
--- | Fidonet: Alan Jones 3:800/846.3 | Internet: email@example.com