text:
Paul Ryan Is Already Delivering Returns for Mitt Romney
A week after Mitt Romney selected Paul Ryan as his running mate, the Wisconsin congressman has already proven to be a wise choice.
It has been one week after the announcement of Rep. Paul Ryan as the vice presidential candidate on the GOP ticket, and it is now clear that adulation expressed by Democrats at the pick was premature.
Conventional thinking on the left was that the addition of Ryan would be a net negative for presumptive GOP nominee Mitt Romney due to Ryan's budget proposals, culminating with the 2012 budget passed by the House of Representatives. Democrats wishfully stated that seniors would turn against Mitt Romney based on Congressman Ryan's plan to provide a choice on Medicare between private plans and the current fee-for-service option. In professing these predictions, by the way, Democrat supporters repeatedly fail to mention that Ryan's proposal on Medicare would not actually have any effect on anyone currently over the age of 55. They also avoided the issue that the ticket is running on the Romney plan to repeal Obamacare as a whole, not the Ryan plan.
[Read the U.S. News Debate: Is Paul Ryan a Good Choice for Mitt Romney's VP?]
Nevertheless, according to the left, the pick of Ryan was supposed to hurt Romney by putting states with large senior populations such as Florida into President Barack Obama's pocket. Reality has not supported the Democrats' wishful thinking.
According to polls taken since the Ryan pick was announced, the GOP ticket has gained ground in Florida, with the Rasmussen poll having Romney/Ryan on top in Florida by 2 percentage points. Moreover, according to the Real Clear Politics average, the race has become a virtual tie in Virginia, Ohio, and Iowa—all battleground states—and has tightened considerably in Wisconsin, once considered an Obama stronghold.
[See a collection of political cartoons on the 2012 campaign.]
By putting Wisconsin's 10 electoral votes in play, the GOP ticket forces team Obama to unexpectedly spend funds in the Badger State. That would not have been a problem in 2008 when money flowed like water for the charismatic candidate Obama. However, in 2012, such a dip into campaign coffers means fewer resources spent somewhere else for the unsuccessful and underfunded President Obama.
Speaking of campaign funds, the addition of Paul Ryan has further energized GOP donors as well, with the campaign bringing in $10 million in the week since Paul Ryan has been on the ticket. This is worrisome for Obama not only because the Romney team continues to lead in fundraising but also because it is further evidence of the rallying effect Paul Ryan is having on donors and the electorate.
In 2008, then Gov. Sarah Palin unquestionably electrified and motivated the Republican base. In 2012, Ryan is not only causing the same excitement among the GOP faithful, he is also bringing policy gravitas, significant experience—14 years in Congress—and, most importantly, boosting the ticket across the electoral map.


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I grind my teeth at night too, and to correct this I wear a sports mouthguard in my sleep. You can get them in sporting goods stores or the sporting goods section of a department...
Bruxism bites: I'm grinding my teeth in my sleep
| related questions
Originally Published: August 8, 2003 - Last Updated / Reviewed On: January 16, 2009
|Share this
Dear Alice,
My mom tells me that when I'm sleeping, I grind my teeth... is this serious? Is it caused by stress? How can I stop this from happening?
Dear Reader,
Almost everyone grinds or clenches his or her teeth at one time or another. But some people do this regularly (either when sleeping or when awake), which can cause a number of symptoms, including:
- headaches
- stiff or painful jaw joints
- permanent tooth damage
- teeth that are worn down or flattened on the tips
- chipped teeth
- increasingly sensitive teeth
- worn tooth enamel
Health care professionals call this condition bruxism. Traditionally, stress and malocclusion — the abnormal contact or alignment of the upper set of teeth with the lower set of teeth — were thought to be the major causes of bruxism, an explanation that many health care providers and dentists still stand by. On the other hand, some new research indicates that bruxism may be due mainly to neurological factors that are not yet understood. Because of the uncertainty about the underlying cause of bruxism, treatments vary from orthodontic devices (such as a night guard or other protective dental appliance) and stress reduction to drug therapy and biofeedback.
Although it is often difficult to tell if you are grinding your teeth while you are sleeping, you might notice some jaw pain or soreness in the morning. Sometimes other people might hear your nightly noise and let you know, as in your case. If you suspect your nighttime gnashing is causing any of the described symptoms, after an examination, a health care provider or dentist can help you explore treatment options to control your teeth grinding and any related problems. If you are a Columbia student you can make an appointment with a health care provider through Primary Care Medical Services by calling x4-2284 or logging-in through Open Communicator. Meeting with a health care provider should help you relay your fears about teeth grinding and allow you and your mom to sleep peacefully!
Related Questions
January 16, 200921509
I grind my teeth at night too, and to correct this I wear a sports mouthguard in my sleep. You can get them in sporting goods stores or the sporting goods section of a department store. They are very cheap, about $2 or less. The package contains instructions on how to fit them to your teeth. I find when I don't wear it, and grind my teeth in my sleep, I wake up with my head and teeth hurting. This pain can last all day. Also, if you grind your teeth you can wear them down. To avoid this problem, I suggest getting a mouthguard, because that's probably what your dentist will reccommend to you anyways (they may try to sell you a more expensive version, but it's the same thing).
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subset: commoncrawl


text:
November-December 2003
Vol. 29, No. 6
Overview Vomitorium, Young Architect Award, 25-Year Award, convention
Newsmakers State Capitol complex expansion, Nicholson Hall rehab,
the turtle-shaped Fond du Lac Ojibwe School By Bette Hammel
Endangered The Litchfield Opera House isn't just an old brick
building, but a golden opportunity if the right use can be found
By Robert Roscoe
Citizen Architect After decades of fractured architectural
discourse, America is ready for an urban vision and architects ready to
reinvest in urban planning By Phillip Glenn Koski, AIA
Interview Charlene Roise, a historian for hire, says the preservation
of historic buildings adds layers of memory that reinforce local culture
By Phillip Glenn Koski, AIA
Talking Point Shiny new venues for art, music and sport polish society's
pride and burnish the collective psyche By Bill Beyer, FAIA
Directory of General Contractors
Project Credits
Advertising Index
Fast Forward Rochester Art Center
Ruin Renaissance Meyer, Scherer & Rockcastle revives
the Washburn A Mill with an inspired juxtaposition of old and new
By Camille LeFevre
Music of the Sphere Stanius Johnson, with Cesar Pelli,
FAIA, as design architect, create a music-performance hall that is itself
a finely tuned instrument By Camille LeFevre
Curtain Call Hammel, Green and Abrahamson restores The
Historic Pantages Theatre to its original resplendence
By Jane King Hession, Assoc. AIA
Learning Spaces, Gathering Places Three new neighborhood
public libraries—Wayzata, by Collins Hansen; Hopkins by Kodet Architectural
Group; and Pierre Bottineau by RSP—invigorate their communities By
Bette Hammel
Arts Towns, Our Towns Artists and arts organizations generate
the culture centers that make our neighborhoods, towns and cities vital
and viable places to live By Regina Flanagan
2003 AIA Minnesota Firm Award The Weidt Group earns AIA
MN's 2003 Firm Award for collaborating with architects and engineers on
business-smart, sustainable-design solutions By Camille LeFevre
Mill City Museum Complex
Architect: Meyer, Scherer & Rockcastle
Photographer: Assassi Productions, Inc.


text:
Tuesday, June 1st, 2010
Complete Obituary
Betty Hague
Betty J. Hague, 82, formerly of St. Marys, died at 6:33 a.m. May 29, 2010, at Celina Manor Nursing Home.
She was born March 5, 1928, in St. Marys, to Lawrence and Lula Miller Fisher. On Nov. 25, 1948, she married Charles James Hague, who died in April 1996.
Surviving are three sons, James Hague, Celina, Steven (Marge Gehm) Hague, Mendon, and Scott (Anna) Hague, St. Marys; a daughter, Deborah Kay (David) Ware, Austin, Texas; two sisters, Naomi Longsworth, St. Marys, and Maxine Gause, Newark; a former daughter-in-law, Susan Hague, Celina; 17 grandchildren, 25 great-grandchildren and a great-great-grandchild.
Deceased is a brother, Dan "Junior" Fisher; and an infant sister, Pauline Fisher.
She worked as a janitor for St. Mary City Schools and did housekeeping for many years. She was a member of the Calvary Baptist Independent Baptist Church in Minster, and the Eagles Lodge Aerie #767 Auxiliary in St. Marys.
Services are 11:30 a.m. Thursday at Miller-Long & Folk Funeral Home in St. Marys, the Rev. Tony Richmond officiating. Burial is at Elm Grove Cemetery in St. Marys.
Calling is 2-4 p.m. and 6-8 p.m. Wednesday at the funeral home.
Condolences can be left at www.millerfuneralhome.net.
Additional obituaries for this date
Weather forecast
for Friday:
Mostly cloudy, showers
for Friday:
Mostly cloudy, showers
Wednesday, April 23
Wednesday, April 23


text:
"I gave this to my daughter entering High School as a Freshman as a little back to school gift. I put her name and her school name on it (just the acronym due to lack of space) She loved it! I wish TinyPrints would offer more sitckers that allow this. It was hard to find the right one."
"This was a perfect sticker to attach to card stock to create a label for a Bridal Shower. The top line read, "Life is Sweet". Below it we put in the couple's first names followed by the date of the wedding. Then we punched a hole in the upper right corner and with ribbon attached the label to jars of local honey. It was fitting since we hired a local baker to demonstrate cupcake decoration and served filled and decorated gourmet cupcakes at the Bridal Shower. Working with Tiny Prints was a joy. Our guests raved about the design and use of the label. It could be used for birthday parties, anniversary celebrations and other important events where sweet rule!"
"These are very classic and chic and will look nice on stationery or packages. They are a bit smaller than I expected but the dimensions are given so it was just my perception that was off there. They are nice quality, not too thick, but that's to be expected with the great price."
"I love to be creative when wrapping pressents for my kids' friends, so this was a perfect way to have thier picture on thier gift tag. The product is great and would order them again!"
"We are having a candy bar at my sister's baby shower and are using these stickers to seal the bags. They are adorable and hold their stick well. they also match the invitations perfectly."


text:
All Your Natural, Organic Cosmetics & Hair Products in One Place
100% free from toxic chemicals like PPD, parabens, SLS, phthalates, GMOs and nano particles, as well as being free from artificial perfume, artificial colourants, mineral oils and mineral waxes.
The best natural brands - Suvarna handmade skincare and other excellent brands such as Logona, It's Pure Organics, Sante, Aubrey, Barefoot Botanicals, Essential Care and Lavera.
Help and advice - Available all the time on Tricia's blog, where she shares her expertise


text:
fli4l is a single-floppy Linux-based ISDN/DSL/ethernet-router. It features configuration with some simple ASCII-files, several possible connection-flavors (in/out/callback, and raw IP/PPP), channel bundling (an extra channel can be added through a Windows/Unix-client), configuration of multiple networks, least-cost routing, automatic choice of provider, display/calculation of connection times and costs, and a Windows/Unix client to control dial/hangup, monitor traffic and monitor incoming calls on ISDN (see screenshot).
John the Ripper is a fast password cracker, currently available for many flavors of Unix, Windows, DOS, BeOS, and OpenVMS. Its primary purpose is to detect weak Unix passwords. It supports several crypt(3) password hash types commonly found on Unix systems, as well as Windows LM hashes. On top of this, lots of other hashes and ciphers are added in the community-enhanced version (-jumbo), and some are added in John the Ripper Pro.
The GNU Gatekeeper is a free H.323 gatekeeper based on the OpenH323 project. You can use it to manage a Voice-over-IP network and let endpoints (e.g., Netmeeting) communicate through symbolic names. It also has an external interface for billing and other applications. It runs on a number of Unix versions (including Linux and Solaris) and Windows.
The stunnel program is designed to work as an SSL encryption wrapper between remote client and local (inetd-startable) or remote server. It can be used to add SSL functionality to commonly used inetd daemons like POP2, POP3, and IMAP servers without any changes in the programs' code. It will negotiate an SSL connection using the OpenSSL or SSLeay libraries. It calls the underlying crypto libraries, so stunnel supports whatever cryptographic algorithms you compiled into your crypto package.
keychain helps you to manage ssh keys in a convenient and secure manner. It acts as a frontend to ssh-agent and gpg-agent, but allows you to easily have one long running ssh-agent process per system, rather than the norm of one ssh-agent per login session. This dramatically reduces the number of times you need to enter your passphrase. With keychain, you only need to enter a passphrase once every time your local machine is rebooted. keychain also makes it easy for remote cron jobs to securely "hook in" to a long running ssh-agent process, allowing your scripts to take advantage of key-based logins.
A Web-based personal RSS/ATOM news aggregator and feeds reader.
Utilities for converting text files from DOS/Mac format to Unix format and vice versa.


text:
Jaksta Music Miner for Mac automatically captures and tags MP3s from popular audio and video Web sites. Just open Jaksta Music Miner, play a song or video, and the MP3 is created, usually up to 10x faster than real time. The MP3 can be added to iTunes with the click of one button. It supports Grooveshark, Last.FM, YouTube, Jango, and more and is great for discovering new music or enjoying your music offline.
getxbook is a collection of tools to download books from websites. There are tools to download from Google Books' "book preview", Amazon's "look inside the book", and Barnes and Noble's "book viewer". There is an optional GUI written in Tcl/Tk, and some shell scripts using OCR to create plain text or searchable PDFs and DjVu files from the downloaded books.
Jaksta is a tool that provides an way to download and convert video, audio, and MP3s from the Web to your Mac. Just open Jaksta, then play a video or song in your browser, and Jaksta saves a perfect digital copy to your hard disk, or converts it to several popular device formats. It works with thousands of sites, including YouTube and Facebook, as well as popular music sites.
Elmedia Player PRO makes it easy to download videos from online sources such as YouTube, Vimeo, DailyMotion, Metacafe, and many others. Using it is just a matter of entering the link to the page with your desired video in Elmedia Player and choosing the content you want to download from the list. When you are downloading SWF files, you are given the option to preview all external resources used by the SWF animation. You can download them along with the SWF file if you wish, or even download just the external resources without the initial SWF. Other features include full-screen mode, "Always on top" mode, the ability to make screenshots of your favorite movie moments, and the ability to convert the whole movie into a series of images.
MuDownManager is a program for managing downloads from Megaupload and Rapidshare for premium members. It is lightweight and cross-platform. Downloads can be started in a batch by specifying a list of URLs. Links can be copied directly from your preferred Web browser and pasted into MuDownManager. MuDownManager lets you skip LinkBucks. It has a very simple and intuitive GUI. It is pluggable, allowing support for other download sites to be added in the future.
phoneutria is a Web crawler that is multi-threaded, scalable, high performance, extensible, and polite. It can be used to crawl, index, load-test, or even download any Web or enterprise domain and is configurable through a XML configuration file. Phoneutria can be used for either checking the links of a Web site or for load-testing purposes (i.e. the level of politeness can be configured). It provides a plug-in mechanism for further extensions.
A Java component for manipulating PowerPoint presentations.
A simulation of major league baseball.


text:
Mother Nature has been pretty tough on local farms this season. Five of the six acres of strawberries at the Pickin' Patch in Avon were under water this weekend, so my boys' annual trip with their Nana did not provide us with the biggest and best crop.
But there were berries to be found; we just had to look a little harder.
Because I'm a parenting columnist and I'm constantly trying to turn everyday life experiences into a lesson (pr at least a blog post), plenty of eye rolling occurred in that muddy patch. It's so important to support our local farmers, and all of our local businesses, I told them. (You're so annoying, Mom.) Did I ever tell you about the times on my best friend's farm when I was your age and we would have hours of fun with no electronics? (Yes, Mom, about a million times.)
But I had another good one for them: Sometimes the fruit doesn't just jump into your basket. Sometimes you've got to really search for those super-juicy, tiny berries.
We did search, and picked just enough fruit to make a batch of Nana's awesome strawberry jam.Lessons, like fruit, are everywhere. You might have to try a little harder to find them, but they're there. (Feel free to stop rolling your eyes now, kids. It's over.)


text:
Health and Safety
The Dental Essentials -- Liquid
" "Is a cavity-free childhood really possible? Absolutely." That's the claim of company The Dental Essentials, creator of a "synergistic blend of vitamins and minerals that is the first nutritional supplement specifically formulated to reduce cavities. It can even help heal tooth decay that may have already begun." How does it work? Founder..." --Melanie Mayo
Boogie Wipes Saline Nose Wipes Great Grape - Set of 3 (90 Wipes Total)
Boogies on the Run-Great Grape Scent!-Contains 30 Boogie Wipes in each pack-An effective alternative to dry tissue or saline drops.-Gentle Saline Wipes for Little Noses-'Snot Your Average Wipe!TM-Developed by moms tired of chasing runny noses.-Unique formula to dissolve mucous -Moisturizes with Vitamin E, Chamomile & Aloe - Alcohol Free - Hypoallergenic - Gentle enough for all ages -...
MAM Massaging Toothbrush - Pink
Clean or massage? The Massaging Toothbrush can do both and it ensures that babies quickly forget all about teething. Compact to fit into little mouths and reaches everywhere it's supposed to. It also has an extra-long handle to hold together with baby for guided brushing.
MAM Learn to Brush Toothbrush Set - Green
The unique MAM Toothbrush Set includes two brushes; The long-handled caregiver brush is designed for hands-on learning as you and your baby care for those tender gums and precious first teeth together. The short-handled, baby's first brush is designed for holding, gumming, generally exploring, to help your baby grow comfortable with the "feel" of health care. Features: ...
MAM Oral Care Rabbit - Pink
Practicing good oral hygiene shouldn't just begin when a baby's first tooth comes in. Now, you can make sure your little one's future choppers stay healthy as soon as they're born with this cute Oral Care Rabbit. Just slip an index finger into one of the ears and rub it over your child's gums to effectively remove plaque and...


text:
It's Hatched!
If you're a fan of snow skiing, DealChicken has found a bargain for you. For just $449, you can book a week's stay in a condo in beautiful Breckenridge, Colo. That saves you a whopping 70 percent off the usual price. Your condo features a one-bedroom suite, perfect for cozy nights inside after long days on the slopes. Breckenridge has one of the largest historic districts in Colorado, giving you plenty to do when you're not on the slopes, too!
CondoResortEscapes.com is part of Advantage Travel, a full-service travel agency founded in 1995. The company has been offering vacation services for nearly 20 years. It is licensed, bonded and accredited by all the major travel associations.
$449 for 7 night condo vacation in Breckenridge, CO ($1500 value)
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I worked at MTV Networks as an intern for less than a year
Pros – Fun, young, energetic staff with a lot of good ideas. They don't take themselves too seriously, but do take their work very seriously. The work I did was not very "intern-y", and I was given responsibilities and trust in my capabilities.
Cons – Easy to blend in because the company is so large, and you will be forgotten if you do not network and make sure people remember you.
Advice to Senior Management – Continue to make interns feel valued and a useful part of the team.
Yes, I would recommend this company to a friend
1 person found this helpful
I have been working at MTV Networks full-time for more than a year
1 person found this helpful
I worked at MTV Networks full-time for more than 3 years
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Adminstration in the Isle of Man weblink
Gulldale has become the first Isle of Man incorporated company with the centre of main interest in the Isle of Man to be placed into administration in England.
Appleby advises banks on secured syndicated term loan and credit facility
Appleby has advised mandated lead arrangers and bookrunners in providing a HKD1.8bn secured syndicated term loan and revolving credit facility to Fortune REIT.
Incorporating your business has many advantages weblink
Incorporation describes the process of forming a new legal entity (a company) that is recognised at law as a separate legal person.
Wealth Structuring 20:20 2014 weblink
This feature publication aims to tap into the issues facing high-net-worth individuals around the globe, and investigate the themes and challenges affecting this elite group.
Divorce proceedings — whose bonus is it anyway? weblink
The court may make an order that provides for part of an ex-spouse's maintenance to be paid from a percentage of the breadwinner's future bonus payments.
Appleby advises on privatisation of online gaming company Giant Interactive
Appleby has advised the mandated lead arrangers and financial advisers in relation to the $3bn privatisation of Chinese online gaming company Giant Interactive Group.
Appleby announces appointments of two partners and six counsel positions
Appleby has appointed Caren Pegg, Keith Robinson, Andrew Jowett, Clive Langley, Camilla Neal, Steven Rees Davies, Juan Thornley and Anthony Williams.
Appleby advises on Asia Broadcast Satellite loan financing from Export-Import Bank
Appleby has acted as Bermuda counsel to the Asia Broadcast Satellite group of companies in relation to its $470m secured loan financing from the Export-Import Bank of the United States.
Appleby advises Optics Valley on its Hong Kong Stock Exchange listing
Appleby has acted for Optics Valley Union Holding Company on its listing on the Main Board of the Hong Kong Stock Exchange on 28 March 2014.
Complying with the standards of trust regulation weblink
Bermuda regards itself as one of the most highly developed and sophisticated jurisdictions in which to conduct trust business.
Appleby admits two Caymanian articled clerks
Two Caymanian lawyers from Appleby's Articled Clerk Programme have been admitted to the role of attorneys-at-law of the Cayman Islands.
Guide to insolvent liquidations in Bermuda weblink
A number of separate procedures are available to various interested parties upon the insolvency of a company in Bermuda.
Appleby's Hong Kong office wins Asia-Pacific Leisure Deal of the Year award
Appleby has announced that its Hong Kong office received the Asia-Pacific Leisure Deal of the Year award at the 2013 Project Finance Awards.
Anne Freeman joins Appleby's corporate and commercial team as senior associate
Appleby has appointed Anne Freeman as a senior associate (solicitor, England and Wales) in its corporate and commercial team.
Guide to the Isle of Man Data Protection Act weblink
The Isle of Man Data Protection Act 2002 mirrors much of the UK Data Protection Act 1998 and uses a number of important definitions.
BVI and Canada: down to business — TIEA now effective weblink
The Canada-BVI tax information exchange agreement (TIEA) came into force on 11 March 2014. The TIEA was signed in May 2013.
UK FATCA: reporting requirements for Bermuda trusts weblink
Financial institutions in Bermuda will soon be obliged to provide information to foreign tax authorities relating to the financial affairs of US and UK resident clients.
Banking secrecy in the Cayman Islands weblink
The offshore jurisdictions are thought to be secretive, with banking secrecy being an important part of what those jurisdictions offer to businesses and individuals who use them.
Where there is a will, there may be a (costly) way — family disputes over wills in Bermuda weblink
Family disputes over the provisions of a will are a relatively common occurrence in Bermuda courts.
Data protection — a warning to bloggers weblink
The Royal Court has had to consider the impact of the regulatory regime in Jersey under the Data Protection (Jersey) Law 2005 upon online blog sites.
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Press Release 080530
Wins USDA "Grand Challenge" Competition
Date: May 30, 2008
|Dennis Smith
|(502) 852-6998
Kentucky Rural Energy Consortium (KREC) Wins USDA 25x'25 "Grand Challenge" Competition
LOUISVILLE, Ky.-The Kentucky Rural Energy Consortium (KREC) was selected as one of thirteen winners in a national USDA competition called the "Grand Challenge." The USDA and the National 25x'25 Alliance co-sponsored the competition to support academic institutions as they assume leadership in achieving solutions to the energy supply and consumption challenges facing the nation.
The competition was open to agricultural and forestry colleges and other institutions of higher learning to share their visions of how they will contribute to achieving the goal of the 25x'25 Alliance:
"By the year 2025, America's farms, ranches and forests will provide 25 percent of the total energy consumed in the United States, while continuing to produce safe, abundant and affordable food, feed and fiber."
The joint entry by KREC, the University of Kentucky, the University of Louisville, Kentucky State University and the Governor's Office of Energy Policy, was chosen by the USDA for the consortium's efforts in promoting energy efficiency and renewable energy in Kentucky and for financially supporting research in solar, hydrogen, ethanol, biomass, and other possible energy alternatives. Researchers at U of L and UK have been awarded more than $1.4 million in grants through both KREC and state funding to pursue promising new renewable energy technologies.
"KREC is establishing itself as a leader in the field of renewable energy and rural development research," said University of Louisville President James Ramsey. "Kentucky is uniquely positioned to play a lead role in development of alternative fuels. The University of Louisville, the University of Kentucky and the Governor's Office of Energy Policy are joining forces to ensure a bright future for energy policy and production in Kentucky."
The consortium is administered by the Kentucky Pollution Prevention Center at the J.B. Speed School of Engineering, and partners with the University of Louisville, the University of Kentucky, and the Kentucky Governor's Office of Energy Policy.
KREC will receive the award at the Bio Energy Awareness Days (BEAD II) in Washington, D.C., June 19-22, 2008 and participate in the BEAD event exhibits. Find out more at KPPC's web site - www.kppc.org.


text:
Your bedroom. It should be your sanctuary. A place to escape the stress of the day and rejuvenate. But a disorganized space can bring more stress than it relieves.
That's where these attractive pieces from Organize It All come in. Not only do they give you a spot to neatly put away all those clothes currently strewn about your room (don't worry, I do the same thing), but they bring big style, too.
The 3-Drawer Chest, 3-Drawer Night Stand and 5-Drawer Chest are made with a quality, wood frame highlighted with wicker panels and topped off with an espresso finish... giving all three pieces a funky Far Eastern look you're sure to love.
3-Drawer Chest:
3-Drawer Night Stand:
5-Drawer Chest:
Pick yours, or pick up the entire Set for a low Guide price! Order ONLINE Today!
Please Note: These items are shipped directly from the factory. To see the expected shipping date, please add to your Shopping Cart. Sorry, no express shipping available. We are unable to ship factory direct items to Alaska, Hawaii, Canada, Puerto Rico or APO or FPO addresses.
Organize It All 3-Drawer Chest
Organize It All Robust 3-Drawer Night Stand
Organize It All Robust 5-Drawer Chest
You qualify for a free gift. It will be added to your cart automatically.
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text:
Soft Structured Carriers
Boba Classic Baby Carrier
" This carrier is amazing. I got it just after my son turned 2 years old. I have been carrying him for just about a year. And we love it. He loves the back carry but we also do front carries for when he is tired. I am a very small mama. 105lbs 5'2". And this carrier is perfect for me. My son does not care too much for the foot straps, But they can be a good thing. I also use this carrier..." --Kasey Goodnough
Boba Carrier Organic 2G
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Catbird Baby Pikkolo Carrier
"I bought the Pikkolo to have an option for a buckle carrier where my little one could have his legs out rather than in. The Pikkolo has an adjustable base which allows both small babies to be legs out and also any baby to face forward while still sitting ergonomically. I tried it out, immediately, with my 3yo son, and was amazed at how comfy it was, even with him. The baby was far more..." --HeatherB
Sutemi Pack Baby Carrier
" I don't see this one mentioned a lot on the boards. I received it from a friend and it is hands-down my favorite carrier. I have had ring slings, wraps, etc. but this one is definitely my go-to. I have a large 5 month old (almost 20 lbs.) and it's the only carrier that doesn't leave my shoulders sore at the end of the day. I've used it as a front carry only so far, but it also has an option..." --Kuba'sMama


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Listing Agents on RES.NET's Agent Portal efficiently communicate by connecting to all parties involved in the Real Estate transaction. Providing your contact information allows you to submit your Offer to the Listing Agent and enables the agent to keep an effective line of communication with you throughout the transaction process.
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Seiko Two-Tone Chronograph Watch- Model #: SNDE23
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Detectives failed to arrest a "person of interest" in the murder of Amy Lord; causing police to re-examine past files
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Portable device offers a forensic lab in the palm of your hand
Since the video is being recorded to be used as evidence, it's critical that it is as high-quality as possible
Police say Stingray, a suitcase-size device that pretends it's a cell tower, is useful for catching criminals, but that's about all they'll say
A new technology scans sites like Twitter to act as a virtual stakeout, alerting police when possibly gang activity is occurring
Andrew W. Six was executed in Missouri for the 1987 murder of a 12-year-old girl


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Didier Drogba
- Squad No: 11
- Position: Forward
- Age: 36
- Birth Date: Mar 11, 1978
- Birth Place: Abidjan, Ivory Coast
- Height: 6' 2'' (1.88m)
- Weight: 185 lbs (83.8 kg)
Undoubtedly one of the best centre forwards in the world, Drogba still manages to polarise opinion with his theatrical and temperamental style of play taking the shine off the powerful striker's incredible talent.
Drogba moved from his native Ivory Coast to France in 1988, living with his uncle in order to pursue a career in football. He started his career at Dunkirk before moving to Abbeville, Levallois and Le Mans.
But it was after a move to Guingamp that he really began to catch the eye, netting 17 goals in their 2002-03 Ligue 1 campaign before signing for Marseille - where he scored 19 goals in 35 appearances during his one season there. Chelsea and Jose Mourinho then came knocking and smashed the British transfer record for a striker, paying £24 million for his services in 2004. Drogba scored 16 goals in each of the next two seasons, helping Chelsea win back-to-back Premier League titles, before starring in 2009-10 with 29 league goals to secure another title.
Drogba finished his Blues career in fine style as his penalty helped to seal the Champions League trophy alongside another FA Cup triumph. He then opted to follow Nicolas Anelka to China and embarked on a new career with Shanghai Shenhua where he earned around £200,000-a-week.
Spending only 11 games in China, Drogba scored eight goals before opting to move to Galatasaray in January 2013 for an undisclosed fee.
Strengths: Aerial prowess and power; there are few players in the world as strong.
Weaknesses: Temperament, propensity to dive and over-exaggerate tackles and confrontations.
Career High: Winning the 2012 Champions League trophy and converting the final penalty in the shootout.
Career Low: Being sent-off in the Champions League final against Manchester United in 2008 after slapping Nemanja Vidic.
Style: Robust, bustling centre forward who harasses his markers. But he is excellent with the ball on the deck and a strong finisher with the ability to use both feet.
Quotes: "For the last six years I was struggling and it was difficult sometimes. I had to miss some training sessions but I am really happy because it's done and it is really good for me. I learned how to play with it, and now maybe I will have to change my game again." Didier Drogba on his fitness, August 2010.
Trivia: He was nicknamed "Tito" by his mother, after president Josip Broz Tito of Yugoslavia.


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Created in 1936 by Henri Berdoues, Eau de Toilette Violettes de Toulouse is a faithful interpretation of the subtle scent diffused by a bouquet of violets. A timeless fragrance that continues to capture the hearts of lovers everywhere!
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Medical guideline
A medical guideline (also called a clinical guideline, clinical protocol or clinical practice guideline) is a document with the aim of guiding decisions and criteria regarding diagnosis, management, and treatment in specific areas of healthcare. Such documents have been in use for thousands of years during the entire history of medicine.
However, in contrast to previous approaches, which were often based on tradition or authority, modern medical guidelines are based on an examination of current evidence within the paradigm of evidence-based medicine.[1][2][3] They usually include summarized consensus statements on best practice in healthcare. A healthcare provider is obliged to know the medical guidelines of his or her profession, and has to decide whether or not to follow the recommendations of a guideline for an individual treatment.[4]
Modern clinical guidelines identify, summarize and evaluate the highest quality evidence and most current data about prevention, diagnosis, prognosis, therapy including dosage of medications, risk/benefit and cost-effectiveness. Then they define the most important questions related to clinical practice and identify all possible decision options and their outcomes. Some guidelines contain decision or computation algorithms to be followed. Thus, they integrate the identified decision points and respective courses of action with the clinical judgment and experience of practitioners. Many guidelines place the treatment alternatives into classes to help providers in deciding which treatment to use.
Additional objectives of clinical guidelines are to standardize medical care, to raise quality of care, to reduce several kinds of risk (to the patient, to the healthcare provider, to medical insurers and health plans) and to achieve the best balance between cost and medical parameters such as effectiveness, specificity, sensitivity, resolutiveness, etc. It has been demonstrated repeatedly that the use of guidelines by healthcare providers such as hospitals is an effective way of achieving the objectives listed above, although they are not the only ones.
Special computer software packages known as guideline execution engines have been developed to facilitate the use of medical guidelines in concert with an electronic medical record system. The Guideline Interchange Format (GLIF) is a computer representation format for clinical guidelines that can be used with such engines.[5]
It has been found[6] that some simple clinical practice guidelines are not routinely followed to the extent they might be. It has been found that providing a nurse or other medical assistant with a checklist of recommended procedures can result in the attending physician being reminded in a timely manner regarding procedures that might have been overlooked.
Guidelines are usually produced at national or international levels by medical associations or governmental bodies, such as the US Agency for Healthcare Research and Quality. Local healthcare providers may produce their own set of guidelines or adapt them from existing top-level guidelines.
The USA and other countries maintain medical guideline clearinghouses. In the USA, the National Guideline Clearinghouse maintains a catalog of high-quality guidelines published by various organizations (mostly professional physician organizations)[clarification needed]. In the United Kingdom, clinical practice guidelines are published primarily by the National Institute for Health and Clinical Excellence (NICE). In The Netherlands, two bodies (CBO and NHG) publish specialist and primary care guidelines, respectively[citation needed]. In Germany, the German Agency for Quality in Medicine (ÄZQ) coordinates a national program for disease management guidelines. All these organisations are now members of the Guidelines International Network (G-I-N), an international network of organisations and individuals involved in clinical practice guidelines. G-I-N is owner of the International Guideline Library – the largest web based data base of medical guidelines worldwide - and pursue a set of activities aiming at promoting best practice and reducing duplication.
Guidelines may have both methodological problems and conflict of interest.[7]
Guidelines may make recommendations that are stronger than the supporting evidence.[8]
- The American Heart Association Guidelines for the Prevention of Infective Endocarditis[9]
See also[edit]
- ^ Burgers JS, Grol R, Klazinga NS, Mäkelä M, Zaat J, for the AGREE Collaboration. Towards evidence-based clinical practice: an international survey of 18 clinical guideline programs. Int J Qual Health Care 2003;15:31-45
- ^ The AGREE Collaboration. Development and validation of an international appraisal instrument for assessing the quality of clinical practice guidelines: the AGREE project. Qual Saf Health Care 2003;12:18-23.
- ^ Institute of Medicine (edt.) Clinical practice guidelines we can trust. Washington DC, 2011
- ^ Council of Europe. Developing a methodology for drawing up guidelines on best medical practice. Recommendation Rec(2001)13 and explanatory memorandum. Strasbourg: Council of Europe Publishing, 2002.
- ^ GLIF website
- ^ Gina Kolata "Program Coaxes Hospitals to See Treatments Under Their Noses". New York Times December 25, 2004.
- ^ Reames BN, Krell RW, Ponto SN, Wong SL (2013). "Critical evaluation of oncology clinical practice guidelines.". J Clin Oncol 31 (20): 2563–8. doi:10.1200/JCO.2012.46.8371. PMID 23752105.
- ^ Brito JP, Domecq JP, Murad MH, Guyatt GH, Montori VM (2013). "The Endocrine Society guidelines: when the confidence cart goes before the evidence horse.". J Clin Endocrinol Metab 98 (8): 3246–52. doi:10.1210/jc.2013-1814. PMID 23783104.
- ^ Wilson W, Taubert KA, Gewitz M, et al. (October 2007). "Prevention of infective endocarditis: guidelines from the American Heart Association". Circulation 116 (15): 1736–54. doi:10.1161/CIRCULATIONAHA.106.183095. PMID 17446442.
External links[edit]
- British Columbia Medical Guidelines - In Canada, British Columbia's guidelines and protocols are developed under the direction of the Guidelines and Protocols Advisory Committee (GPAC), jointly sponsored by the B.C. Medical Association and the B.C. Ministry of Health Services.
- The Cochrane Collaboration - The Cochrane Collaboration is an international, independent, not-for-profit organisation of over 27,000 contributors from more than 100 countries, dedicated to making up-to-date, accurate information about the effects of health care readily available worldwide.
- GuiaSalud. Clinical Practice Guidelines for the National Health System (Spain) - Contains clinical practice guidelines developed in Spain translated into English.
- Guideline Elements Model - The Guideline Elements Model (GEM) is an ASTM standard for the representation of practice guidelines in XML format.
- Guideline Interchange Format - The Guideline Interchange Format (GLIF) is a specification for structured representation of guidelines.
- Guidelines International Network. Contains the largest online guideline library.
- Hospital Quality Alliance - A project of the Hospital Quality Initiative (HQI) of the Centers for Medicare and Medicaid Services.
- National Guideline Clearinghouse (NGC), a public resource for evidence-based clinical practice guidelines. NGC is an initiative of the Agency for Healthcare Research and Quality (AHRQ), U.S. Department of Health and Human Services
- Scottish Intercollegiate Guidelines Network (SIGN). Contains 113 evidence-based clinical guidelines – published, in development, or under review.
- Samanta A, Samanta J, Gunn M (March 2003). "Legal considerations of clinical guidelines: Will NICE make a difference?". J R Soc Med 96 (3): 133–8. doi:10.1258/jrsm.96.3.133. PMC 539423. PMID 12612117.


text: The main reason why the materials are "inferior" assuming you are buying a name brand item, is that the inspection process for the store's material is either cursory or nonexistent. They buy "everything" and then let the customer be the final inspector. If he brings it back, no problem it was going to be thrown away anyway, but if he doesn't then you made a profit and the item was an asset instead of a liability.


text: Registrar Location: Administration Building1001 E Beltline, NEGrand Rapids, MI 49525Phone: 616.222.1431Fax: 616.222.1540 Office Hours: Monday – Friday 8:00 a.m. – 5:00 p.m. (Exceptions: During the term, the office is closed Wednesday, 10-11 a.m. for the community chapel hour. Our summer hours for the months of May through August are 8:00 a.m. – 4:30 p.m.) Contact Us: Amy Bakker, Associate Registrar – Traditional & Graduate email@example.com Jacklyn Waldron, Associate Registrar – PGS firstname.lastname@example.com Gail M. Duhon, firstname.lastname@example.com Forms Fill out your transcript requests, FERPA information release, and graduation registration for Cornerstone, GRTS and PGS. Courses Select and register for courses, check out your exam schedule, and find information on testing out of a class or receiving college credit for a high school AP course. Dean's List Congratulations to the Cornerstone University Dean's List students! At the end of each fall and spring semester, the Dean's List is published. In order to qualify for the Dean's Lists, students must earn a 3.5 GPA for that semester, be enrolled as a full-time student, and must have completed all course work by the last day of the semester. Click here to download and view the latest list of outstanding academic achievers at CU:(Traditional Dean's List Fall 2013)(GRTS Dean's List Fall 2013)


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- Flat Rate Shipping. Any Size Order! -
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Score a cozy way to dominate the cold while showing off your unwavering team spirit at the same time with this Miami Hurricanes team plush fleece robe. Toasty and warm, this 100% polyester fleece Miami Hurricanes robe has a shawl collar, two front pockets, a front-tie closure and embroidered Miami Hurricanes logo. One size fits most.
- Miami Hurricanes team plush fleece robe
- Shawl collar
- Front tie closure
- Two front pockets
- Raised embroidered logo
- 100% Polyester fleece
- Officially licensed Hurricanes robe
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Suitable from 3 years+
Order today for Monday delivery
This 5-sided, sturdy activity centre will endure for years to come and give young minds plenty to think about! Featuring a wide range of colourful images and words, this learning station is perfect for individual or shared play as it features an abacus, a blackboard and an alphabet learner, together with animal and number shapes. Simple, effective learning with bags of fun to boot!
Lovely wooden design. Bright, and colourful. Easy for little ones to use with plenty to keep them stimulated - Abacus / alphabet / chalk board / numbers / animals.
A very bright product with so much to do. Keeps my little one thoroughly entertained. A great self play item as well as an ideal learning tool. Lots to learn with it. Endless fun. Don't forget to buy chalk ;)
Grandson loves the abacus side - moving beads across one by one. It is solid and doesn't move. He loves it.
Looks and feels durable, educational, fun, tactile
Can't wait to see my granddaughter playing with this, think she will love it. Looks like fun.
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The Poems of Marianne Moore
Penguin Classics Deluxe Edition
Marianne Moore - Author
At long last, the full treasure chest of poems, hitherto unopened, by "an unforgettable and indisputably major American poet" (Carol Muske-Dukes, Los Angeles Times)
This complete collection of Moores poetry, lovingly edited by prize-winning poet Grace Schulman, for the first time gathers together all of Moores poems, including more than a hundred that were previously uncollected and unpublished. This long-awaited volume will reveal to Moores admirers the scope of her poetic voice and will introduce new generations of readers to her extraordinary achievement.
Prelude, December 25, 1895
Dear St. Nicklus;
Early Poems, 1907-1913
Under a Patched Sail
Little Magazines, 1915-1919
Ezra Pound:
The Dial Years, 1920-1925
Lyrics and Sequences, 1926-1940
The Steeple-Jack
World War II and After, 1940-1956
The Magic Flute, 1956-1965
Late Poems, 1965-1972
Selections from The Fables of La Fontaine
The Fox and the Grapes
Marianne Moore's Notes


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Back to forum
rss 72 weeks ago
Please,bring back Dr Who Tee's. I know it is against all this site stands for but the one day I couldn't look.... Dr. Who, The Tardis & his characters were surrounding him! SAD FACE ! Maybe some sort of Special?? Who's (LOL) with me on this one?
9Comments Post a comment
ojrtega72 weeks agoNo
RiteGuyShirt72 weeks agoEh bring them back just more rarely
kingbilly72 weeks agowhat top are you on about here?
Edro7672 weeks agoWhat? There's a Dr. Who tee like once a week on this site....
kingbilly72 weeks agono there isn't they have a few at once but then they don't have any for a month or so
ojrtega72 weeks agoThere are too many Dr. Who shirts put up on teefury, but if you actually want more Dr. Who shirts you might want to check out other one a day t-shirt websites, you probably will find one every day.
fireopal3671 weeks agoThere's a 10th Dr up today!!! :D
I wonder if the Dr. Who shirts ramp up as the season starts (or in this case the Christmas Special is coming soon!)?
stolzmo71 weeks agoAre you talking about the Dr. Whoville shirt?
I do agree that there are a lot of Doctor Who shirts on this site, but as a huge Doctor Who fan I'm okay with that, although it's draining my wallet and I'm sure people want other ones.
I personally am still upset I didn't buy the Jim Henson/Kermit Calin & Hobbes MashedPotato.
stolzmo71 weeks agoJust realized what smurf you're talking about. That was a pretty good design, albeit very darkly colored.
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Fair ~
High: 70°F ~ Low: 44°F
Friday, Apr. 18, 2014
Holly Lynn to sing at Pacer's game; looking forward to 2008Posted Friday, December 28, 2007, at 4:28 PM
Prior to tip-off of Saturday night's Indiana Pacers-Detroit Pistons professional basketball game at Conseco Fieldhouse in Indianapolis, Linton native Holly (Dunn) Lynn will be singing the National Anthem at courtside.
Tip-off is at 7 p.m.
For Lynn, it's her second opportunity to sing before a Pacers game.
She was invited back this year after doing the National Anthem last December.
She's excited about her latest gig.
"I'm really honored and grateful to be able to go back again this year," she says. "It really works out nicely since I am here (in Indiana) for Christmas."
The 1999 Linton-Stockton High graduate is holding on to her dream of some day being able to leave her "day job" and sing full time professionally.
In her full-time job, Lynn works in the administration department for EMI Christian Music Group in Brentwood, Tenn.
She continues to perform on a regular basis -- at least once a month -- at the Nashville Cowboy Church, an interdenominational congregation located on the grounds of the old Opryland theme park and adjacent to the Opryland Hotel.
The church accommodates a large number of tourists and is pastored by Terry Yates, who is married to Joann Cash -- a sister to the late Johnny Cash.
Holly has developed a friendship with Joann Cash that she hopes will open some networking opportunities for other singing performances.
"I'm not sure what can develop from that friendship, but I am certainly enjoying being a part of that ministry at the Cowboy Church," she said.
She sang at the Smokey Mountain Cowboy Church in Pigeon Forge in September.
After graduating in 1999 as the valedictorian of her Linton-Stockton High School class, Lynn ventured to Nashville to attend Belmont University where she graduated summa cum laude in May -- earning a Bachelor of Music degree in commercial music with an emphasis in vocal performance.
Holly was recently appointed to the Belmont University Young Alumni Council. In February, she'll go back to the college and speak to current school of music students about the challenges of trying to hold down a full-time job and still pursue a musical career.
Holly often performs at the French Quarter Café in East Nashville and she also has appeared as a guest vocalist at The Sutler, The Second Fiddle, Otter's and is frequent performer at Edge Hills Studios -- a popular coffee house.
For now, the Linton native says she is holding tight to her dream of embarking on a professional musical career some day.
"I'm looking forward to what 2008 will bring. I've already started taking bookings and we're running into May. So I am excited to already have some stuff down on the calendar," she said. "With continuing to network and sing a lot in Nashville and on the radio, I hope that extra exposure is helping to get my name out. I just try to keep a lot of irons in the fire and pray that some day that my moment is going to come my way. I'm certainly having fun doing what I'm doing."
Nick is the assistant editor for the Greene County Daily World. He can be reached by telephone at 847-4487 or 1-800-947-4487 or by e-mail at email@example.com
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"Linton native Holly (Dunn) Lynn will be singing the National Anthem at courtside."
Isn't there a Holly Dunn who is a country music singer? Is the Holly Lynn from Linton also a Dunn? Just curious.
-- Posted by simmons on Sat, Dec 29, 2007, at 6:27 AM
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Labrador Retriever Puppy
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Lounge Around Pillow, Funky Zebra
No longer available
Sit back and relax against the stylish zebra stripes of our Lounge Around Pillow Cover.
31" wide x 20" deep x 18" high
100% cotton canvas.
Zipper closure on bottom.
Insert sold separately.
Insert fabric is 65% polyester, 35% cotton and made with recycled materials.
Machine wash.


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Adam and Ray give advice on carpet cleaning, waterproofing, and fixing a rotted doorjamb. Later they chat about all the high school days that Ray skipped.
Podcast: Play in new window | Download (0.0KB)
Show Summary
Adam and Ray go straight to your questions, right from the top of the show. The first question comes via video, and asks the guys advice on trying to fill and waterproof a fissure in the garage wall. The guys then respond to an email question about carpet cleaning, and tell some of their worst and funniest experiences from back in the day.
On the phone lines this week, the first caller is a woman trying to figure out if it's safe to plunge her shower. The next caller is trying to patch a hole in his rotted doorjamb, and Adam and Ray offer three different ways to fix it. Later, the guys help callers with concrete counter tops, and a toilet that hasn't flushed in years. As the show wraps up, the guys recall how they ranked among their former high school classmates, and tell stories from Adam's pottery class.
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Show Credits
Producers: Matt Fondiler & Gary Smith
Audio/Post-Production/Show Summary: Matt Fondiler
Phones/Researcher/Web Engineer: Gary Smith
Ace on the House Theme Song: Jason Boots (hear more music at http://JasonBoots.com)


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Ritter touts plans to stave off downturn
DENVER — Colorado needs to make tough choices to confront the state's declining economy, Gov. Bill Ritter told state lawmakers Thursday during his State of the State…
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Campus Dining:
There are not a lot of options at the Mpls campus.
Campus Dining:
it's absolutely awful. if you're vegetarian, talk to someone about getting off the meal plan or prepare to eat pizza and salad every day for 4 years.
Campus Dining:
There isn't a lot of variety for food around campus, only two real dining halls and a small restaurant. The breakfasts are usually good. The lunches and dinners, however, are usually non-nutritious and bland-tasting, and don't offer many choices. It's a good idea to change your meal plan after the first semester freshman year to get access to the campus restaurant: the Cardinal Club.
Campus Dining:
I've only been able to get food from the tiny store on campus. The Winnona location probably has on campus dining opportunities, but the Twin Cities does not.
Campus Dining:
The cafeteria offers a lot of different food choices. Some are better than others, but there is always something to eat, even if you are a vegetarian.
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USO Warrior and Family Care is a comprehensive long-term program that supports the continuum of care that helps provide wounded, ill or injured warriors with the hope and confidence to sustain their journey towards a full and rewarding life. The program presents the best opportunity for our heroes to heal with honor. It also supports the troops' families and caregivers throughout the recovery process, as well as giving assistance to families of the fallen. Additionally, the USO is raising funds for USO centers that conduct these programs while spotlighting issues. Our new public service announcement, "USO Invisible Wounds," is an example of these efforts.
Learn about the USO's Warrior and Family Care programs, USO Centers and the PSA.
* Find all of our Warrior and Family Care events with our 2013 calendar. [PDF]
Operation Enduring Care is a campaign to fund the construction and to endow two Warrior and Family Centers in the Washington, D.C. area, as well as Warrior and Family Care programs throughout the world.
Read about the Warrior and Family Centers and donate to Operation Enduring Care.
The Centers
Get Support
Support the Troops Donate Now
USO P.O. Box 96322 Washington, DC 20090-6322 Phone: 1-888-484-3876
© 2014 USO, Inc. All Rights Reserved.


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Home > Consumer Protection > Consumer News & Information > FDIC Consumer News
FDIC Consumer News
Winter 2004/2005
Expecting a Tax Refund? Beware of Costly Loans and Other Pitfalls
Are you expecting a tax refund because you overpaid your 2004 taxes? Do you typically get a refund check? If so, you're not alone. The IRS says that 77 percent of all taxpayers received a refund on their 2003 federal income tax returns. Those refunds averaged more than $2,100. And while a big tax refund may seem like a windfall, there are some potential pitfalls, too. FDIC Consumer News doesn't give tax advice, but we can suggest money-saving options to consider or discuss with your tax advisor:
If you need cash and you can't wait for your tax refund, carefully consider your options and costs: Perhaps you've heard or read about "refund anticipation loans" (RALs) arranged by tax preparers for people who file their returns electronically. These loans enable you to get cash in just a day or two and pay the money back with your tax refund. RALs may offer quick and convenient access to cash and the fees may seem small, but be careful. The costs translate to very high interest rates compared with other loans.
For the typical RAL, you can expect to pay lender fees of about $35 to $100 (depending on the size of the loan). These fees can translate to Annual Percentage Rates (APRs) of about 60 to 650 percent or more, far above what you'd probably be willing to pay for other loans. (Note: The federal Truth in Lending Act and the Federal Reserve Board's Regulation Z require lenders to disclose information about loan costs if certain criteria are met. Some states and cities also have adopted regulations requiring loan cost disclosures.)
"A refund anticipation loan is a high-cost loan that people can avoid if they're willing to wait a few weeks for their refund," said Vanessa Hester, the FDIC's Chief of Accounting and Tax Policy. She noted that the IRS says taxpayers will receive their refunds within three weeks if the return is filed electronically (two weeks if directly deposited into a bank account) and is complete and accurate. "Unless you need the funds for an emergency or another compelling reason, it almost never makes sense to take one of these loans."
Steve Johnston, an FDIC Senior Accountant, added, "You've already lent Uncle Sam your money interest-free, so why also pay a big fee to get your own money back a little sooner?"
If you really need to borrow money before your refund arrives, consider lower-cost options, such as tapping a home equity line of credit or using your credit card for necessary purchases. "A good principle to follow, in all situations, is to borrow money only when necessary and to shop carefully so that you can borrow in the most economical way," said Donna Gambrell, Deputy Director of the FDIC's Division of Supervision and Consumer Protection.
Some experts also suggest freeing up additional cash by paying less (or nothing) for your tax preparation. One IRS program that the FDIC is helping to promote is the Volunteer Income Tax Assistance (VITA) service, which provides free help to low- and moderate-income citizens in preparing their income tax returns and obtaining the tax deductions and credits to which they are entitled. Some VITA locations also offer free electronic filing, which can mean faster access to refunds, too. Another IRS program is Free File, which enables anyone to prepare and file their federal taxes for free through the IRS Web site. "Free tax preparation enables more consumers to save money and avoid a high-cost loan," said Cathy Davis, an FDIC Community Affairs Specialist and a VITA tax-preparation volunteer. For more information about these and other services, go to www.irs.gov.
Have your tax refund deposited electronically into your bank account: Direct deposit is the fastest way to get your tax refund, especially if you file your return electronically. Direct deposit also is the safest way to obtain a refund because paper checks can be lost, misplaced or stolen.
Make the best use of your refund: Sure, you can treat yourself to a new car or spend the money on that wide-screen plasma TV. But consider some more "sensible" alternatives: Pay down or pay off your loans and other bills, starting with the ones that charge the highest interest rates on unpaid balances. Start or add to an existing savings account. Fund a retirement account or college savings plan. Or, use the money to protect the value of your home by making repairs or improvements.
Consider ways to reduce or eliminate a tax refund in the future: You wouldn't intentionally overpay your electric bill each month just because you knew you'd eventually get the extra payments back at the end of the year. So why pay your taxes that way? A tax refund of $2,000 breaks down to about $167 per month that you lent the U.S. government interest-free each month.
Review your current year's tax situation to be fairly sure you won't have a significantly higher tax bill than in the past. If a change is appropriate, fill out a new W-4 form from your employer increasing the number of your "personal allowances." This adjustment will reduce the tax money withheld each pay period and increase your take-home pay. On the other hand, if you owed a lot of money on last year's taxes, consider decreasing your take-home pay.
|Last Updated 02/14/2005


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What It Is
"A Ball for Daisy" is a wordless picture book. However, while there are no words, there is definitely a plot. Daisy the dog loves playing with her ball. One day in the park, another dog pops it and Daisy becomes very sad. She misses her ball and is quite lonely without it. The next day, the owner of the dog who popped the ball surprises Daisy with a shiny new ball.
Why It's Fun
The old saying "a picture is worth a thousand words" is definitely true with this selection. Beautifully artistic illustrations give the impression that a child painted the pages. Parents and preschoolers will have a fun time being creative and making up their own dialogue. The author-illustrator also gives parents and kids an opportunity to explore how they might feel when they lose a beloved plaything.
Who It's For
Preschoolers and toddlers who've graduated from board books will get the most enjoyment out of this book. Wordless picture books are great for the car because toddlers and preschoolers can "read" them by themselves or even to you.
What To Be Aware Of
This is a great way to get your kids thinking imaginatively and verbalizing what they imagine. It helps kids understand narrative on a very basic level.


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RAYOVAC Virtually Indestructible LED 4C Beam Lantern
|Eligible for Free Shipping on Select Outdoor Gear! (see promotion details)
|Eligible for Free Shipping on Orders $49 or More! (see promotion details)
|Members of The League get 5% back when you spend $100! (see promotion details)
Product Details
Perfect for your next job, the RAYOVAC® Virtually Indestructible LED 4C beam lantern is just that: virtually indestructible. Its rubber head absorbs shock at impact, and it's internally engineered to withstand the 15-foot drop test. An IPX4 water-resistant construction means it won't quit on you in the rain, and four C RAYOVAC® alkaline batteries are included.
Get your new RAYOVAC® LED lantern today from Sports Authority.
- High performance LEDs, custom optics and 2 modes -- 150 lumens, 50 lumens (energy saver)
- Beam Distance: 350 meters, 195 meters (energy saver)
- Battery Run Time: 20 hours, 78 hours (energy saver)
- 15-foot drop-test performance
- Rubber head absorbs shock
- Impact-resisting internal engineering
- Designed for maximum durability and simplicity
- Switch on handle for ease of use
- IPX4 water resistant
- 4 C RAYOVAC® alkaline batteries included


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Hewlett-Packard remains the leader in the printing space, which is a high-margin business courtesy of ink supplies. However, enterprises are increasingly knowledgeable about the costs of printing and looking to farm management of these devices out to companies like HP and Xerox. Other key players: Lexmark, Eastman Kodak and Ricoh.
Featured Stories
Related Topics
Articles about Printers
Xerox cuts outlook as business expansion costs run high
The paper copier pioneer reported a five-percent drop in first-quarter profits and trimmed its adjusted earnings forecast for the year, citing slow growth in its services unit and dwindling revenue from its printing business.
3D printing cuts prototyping costs for autotransfusion machine
The UK-based company Brightwake used Stratasys 3D printed parts to reduce prototyping costs by 96 percent for its blood-recycling machine Hemosep - reiterating the cost efficiencies 3D printing can bring to the prototype process.
3D Systems expands reseller pact with Canon
Canon Marketing Japan will begin selling a broader line of 3D Systems 3D printers.
3D Systems CEO touts '3D Printing 2.0' as it attempts to pre-empt HP
3D Systems CEO Avi Reichental says 3D printing is localizing and transforming the manufacturing industry, moving the technology into version 2.0.
Stratasys acquires two additive manufacturing companies
The plan for Stratasys, one of the larger 3D printing players along with 3D Systems, is to combine Solid Concepts, Harvest Technologies with its RedEye digital manufacturing services business.
3D printing market set to rocket to $16.2B over next four years
If you thought 3D printing was a fad, think again. The latest forecast suggests the relatively new market could be worth billions to the economy in the next four years.
Hands-On: Setting up my new printer with Linux (and Windows)
Time to replace my four year old mobile printer, here's my take on the HP Officejet 150
HP's Whitman: Our 3D printers will be faster, higher quality
Meg Whitman said watching 3D print projects complete was "like watching ice melt" and the quality "isn't where it should be."
Kodak names tech industry vet Clarke CEO, aims to be B2B player
Jeff Clarke, who has been a C-level exec at CA, HP, and Compaq, will aim to make Kodak a global B2B technology player.
Stratasys Q4 strong, aims to take MakerBot, 3D printing mainstream
Stratasys is hoping that MakerBot desktop systems will ultimately lead to a halo effect for its industrial strength products for manufacturing.
Meet the RoboBeast: The world's toughest 3D printer
A South African inventor has built a 3D printer that will work even under extreme conditions.
HP's Q1: PCs, enterprise struggles to continue
With Cisco, IBM, NetApp and EMC seeing anemic infrastructure spending it's highly unlikely that HP can fly through the turbulence unscathed.
HP launches first Mopria, mobile print friendly multi-function printer
The HP LaserJet Pro 476 is the first Mopria certified printer designed to make it easy to print from mobile devices.
3D printing: Poor man's teleporter links Australia to the world
Einsteinian discussions about folding time and space seem apt when considering the potential of 3D printing and scanning – not just as consumer novelties, but as ways of 'moving' physical objects faster than the speed of Fedex. Valentine's Day will never be the same.
What 3D printing needs to go mainstream
Monday Morning opener: 3D printing is a fun market to watch. Here's a look at a few things that need to fall in place to make 3D printing mainstream for enterprises and ultimately consumers.


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DU volunteer highlights farm bill priorities at Kansas town hall
The annual Kansas Ducks Unlimited State Convention was held recently in Hutchinson and volunteers went above and beyond to help further DU's public policy efforts.
A letter addressed to all four of Kansas' congressional representatives and two senators was signed by 66 convention attendees who encouraged their elected leaders to pass a five-year farm bill in 2013. The letter focused on DU's top three priorities:
re-coupling conservation compliance with crop insurance
, a
national Sodsaver program
and conservation program funding.
Rep. Kevin Yoder and Sens. Pat Roberts and Jerry Moran hosted a town hall meeting in Olathe, Kan., two days after the convention. DU volunteer and major sponsor Bruce Wanamaker, of Overland Park, Kan., attended the town hall and presented copies of the letter to the elected officials. He was also able to personally visit with Rep. Yoder.
"As a DU member for more than 40 years, I am very committed to making sure there are abundant wetlands and ducks for future generations," Wanamaker said. "I was delighted to sign my name to the letter and to deliver these important farm bill messages to our elected officials on behalf of the other DU volunteers."
You can call your own legislators to tell them the importance of passing a comprehensive five-year farm bill at (202) 224-3121.


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Halloween Costumes / Search Results
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Polkadot Monster
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Search Suggestions: Wild Child Monster Costume | Weird Kids
3 Eyed Monster Toddler Costume
…back of your head we can say for sure that this really is a monster with three eyes! Dress your little one in this frightfully fun 3 Eyed Monster toddler costume and be sure to take pictures because this furry purple bodysuit with silly monster hood is priceless.
Pink Monster Baby Suit
Not all monsters are scary! Your little one certainly wont be in this Pink Monster Baby Suit! Cuddly fur jumpsuit has cute little ears, yellow horns, silly eyes and rounded teeth so everyone will want to snuggle with your little mutant! Luckily thats mommys job!
Teeny Meanie Monster Baby Costume
This little monster couldnt be mean if he tried. Teeny Meanie Monster Baby Costume includes colorful fuzzy jumpsuit and monster face head piece making your tiny tot one cuddly beast!
Lil Monster Baby Costume
They can be little monsters but for once its be a good thing! Dress your little one in this clever and cute Lil Monster baby costume for a memorable Halloween and dont forget the camera! Now of course youll want to be sure and point out the resemblance to Daddys side of the family...
Monster Furry Turquoise Shrug
Mash up some fun in this Monster Furry Turquoise Shrug. This cute and silly colorful mask probably wont scare anyone but it may cause some scary laughs.
Pink Puffer Monster Adult Womens Costume
Youll look tickled pink in this Pink Puffer Monster Adult Womens Costume. Light cotton candy colored dress with fluffy chest comes with furry animal hood with hot pink horns and googly eyes.
Cotton Candy Monster Adult Womens Costume
Tickle them pink in this Cotton Candy Monster Adult Womens Costume. Every mans eyes will be as googly as yours when they see you in this sexy pink leotard with fur chest and soft hood with horns.
Monster Gurl Child Costume
Rawr! Not all monsters are scary - especially not this one! Your little girl will look cute in this Monster Gurl Child Costume. Tattered bolero is included as well as patched up dress, boot covers, and bolted hat with pom poms.
Pink Cookie Skull Monster Gloves
Lock paws with the cutest male monster in the room wearing these Pink Cookie Skull Monster gloves. Covered in hot pink and black fur on the outside, these gloves have pink elastic with cute white skull print on the palm.
Pink Mini Monster Adult Costume
Its often said theres a monster under the bed or in the closet - might that be you in this Pink Mini Monster adult costume? Create the kind of monster everyone likes when you behave monstrously, or not, in this clever and quite comfortable monster costume and act up on Halloween.
Melody Monster Adult Womens Costume
Scare up some Halloween fun when you party in this darling Melody Monster adult womens costume. The pink, white and green dotted dress features a fur accent and furry monster hood with pom pom ties. Scary never looked this good!
Molly Monster Adult Womens Costume
Why shy away from the fun when you can be at the center of it all in this Molly Monster adult womens costume. This fur-trimmed, pink and blue dress comes complete with a matching hood. Have a monster of a good time when you wear this sexy womens costume.
Rebel Monster Adult Womens Costume
This mutant may be evil, but shes far from ugly. Youll be scorching hot in this Rebel Monster Adult Womens Costume. Shiny polyester tutu dress with ripped detail, choker and furry beast hood with fluffy pom poms included.
Monster Ball Adult Womens Costume
Unleash mayhem among the men when you wear this Monster Ball Adult Womens Costume complete with fun polka dot dress with furry pink chest and purple droopy eyed monster hood with attached horns. Youll claws down be the sexiest creature in the room.
One-Eyed Erin Monster Tween Costume
…bad? It doesnt matter with this absolutely cute One-Eyed Erin Monster tween costume. This ensemble allows you to be a terrible monstrosity while looking incredibly adorable. It includes the suspender-style dress and a very clever furry monster hood with pom pom ties.
Monster Lime Hood
The other monsters will be green with envy when they see how pretty you look in this Monster Lime Hood. Not all ghouls are ugly and youll prove it wearing this furry eared hood with pink bows and girly googly eyes with eyelashes!
Pink Cookie Monster Headband
Practice your growls and groans in this Pink Cookie Monster Headband. Dress up this black headpiece with pink fuzz, horns and skeleton detail with some ghouly girl makeup, fishnets and tutu dress!
Black Monster Gloves
Complete your cute or hideous monster costume with these perfect Black Monster Gloves. Purple and black combine for the best addition to any monstrous outfit you can imagine.
Polka Dotty Monster Adult Womens Plus Size Costume
Give them a growl because they wont be scared when they see you in this Polka Dotty Monster Adult Womens Plus Size Costume. Its hard to appear intimating in this blue and purple dotted tutu dress with matching fur monster hood with horns and googly eyes. Hopefully scary isnt what youre going for!
Monster Madness Baby Costume
Watch out for your little one! Shell be up to no good wearing this Monster Madness Baby Costume. Hot pink plush and fuzzy long sleeved jumpsuit has polka dot belly, paw print footsies and hilariously adorable headpiece with fake teeth, googly eyes, curled horns and blue fuzzy eyelashes.
Lil Monster Blue Child Costume
Your little one will be so cute its scary in this Lil Monster Blue Child Costume! Hell be the perfect snuggle buddy in this furry hood with silly googly eyes, baby teeth, green and purple striped horns along with this soft matching jumpsuit with satin polka dot tummy and furry feet and hands.


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Released: Jun 1998
Label: Island Records
Oremi is testament to Angelique Kidjo's wide-ranging musical tastes and her absolute fearlessness when it comes to sacred cows like Jimi Hendrix's "Voodoo Child." Benin's the home of voodoo, and Kidjo effortlessly makes the song her own. Her sunny pop sensibility is at its best in "Loloye" and "Yaki Yaki" -- and of course in the title track.
Welcome to Rhapsody
You're just minutes away from millions of songs.


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Information contained on this page is provided by an independent third-party content provider. WorldNow and this Station make no warranties or representations in connection therewith. If you have any questions or comments about this page please contact firstname.lastname@example.com.
SOURCE Chrysler Group LLC
AUBURN HILLS, Mich., Feb. 10, 2014 /PRNewswire/ -- Chrysler Group LLC ("Chrysler Group") announced today the closing of its previously announced offering of secured senior debt securities, raising approximately $3.0 billion in net proceeds; and senior secured term loan facilities, raising approximately $2.0 billion in net proceeds. Chrysler Group applied the proceeds of the debt offering to prepay all amounts outstanding, including accrued and unpaid interest, of approximately $5.0 billion under the senior unsecured note issued on June 10, 2009 to the VEBA Trust with an original face amount of $4.587 billion (the "VEBA Trust Note").
The secured senior debt securities consist of $1.375 billion aggregate principal amount of 8% Secured Senior Notes due 2019 (the "2019 Notes") at an issue price of 108.25% of their aggregate principal amount plus accrued interest from December 15, 2013, and $1.380 billion aggregate principal amount of 8¼% Secured Senior Notes due 2021 (the "2021 Notes" and together with the 2019 Notes, the "Notes") at an issue price of 110.50% of their aggregate principal amount plus accrued interest from December 15, 2013. The issue prices represent a yield to maturity of 6.165% per annum for the 2019 Notes and 6.433% per annum for the 2021 Notes.
The Notes were issued as additional 8% Secured Senior Notes due 2019 and additional 8¼% Secured Senior Notes due 2021 under an indenture, dated May 24, 2011, pursuant to which Chrysler Group previously issued $1.5 billion aggregate principal amount of 8% Secured Senior Notes due 2019 and $1.7 billion aggregate principal amount of 8¼% Secured Senior Notes due 2021.
In connection with the term loan facilities, Chrysler Group borrowed (1) an additional $250 million of term loans under its existing senior secured credit facilities maturing May 24, 2017, under which Chrysler Group borrows at 2.75% over LIBOR, subject to a LIBOR floor of 0.75%; and (2) $1.75 billion of term loans under a new senior secured term loan facility maturing December 31, 2018, at 2.50% over LIBOR, subject to a LIBOR floor of 0.75%.
The refinancing transactions are expected to result in yearly interest expense savings, for the period from 2014 to 2016, of approximately $200 million[1] including the elimination of the non-cash VEBA Trust Note discount amortization of approximately $65 million per annum. Chrysler Group expects to record a non-cash charge of approximately $500 million in connection with the repayment of the VEBA Trust Note. Chrysler Group consolidated financial statements are prepared in accordance with US GAAP.
"This transaction brings to a successful and earlier than anticipated conclusion the process that led the U.S. and Canadian governments, the UAW and the VEBA, together with Fiat, to take on the task of reestablishing Chrysler as a viable automotive enterprise. With the full early repayment of government loans in 2011, the acquisition from the VEBA of their Chrysler equity stake by Fiat in January of this year, and the full monetization of the VEBA note some nine years before the expiry of its term, Fiat and Chrysler together have satisfied all the monetary commitments that were made to Chrysler back in 2009. None remain outstanding. All this is simply a testament to the hard work by the people of Chrysler Group in the last five years and sets the stage for the next chapter as we work to strengthen our global presence as part of Fiat Chrysler Automobiles," said Chrysler Group LLC Chairman and CEO Sergio Marchionne.
Chrysler Group placed the Notes in a private placement under Rule 144A and Regulation S under the Securities Act of 1933, as amended (the "Securities Act"). The Notes have not been registered under the Securities Act or the securities laws of any other jurisdiction and may not be offered or sold in the United States without registration or an applicable exemption from registration requirements of the Securities Act and applicable state laws.
1 For the purposes of Fiat Group consolidated financial statements (prepared in accordance with IFRS), the refinancing transactions are expected to result in yearly interest expense savings, for the period from 2014 to 2016, of approximately $134 million. Fiat Group does not expect to record non-cash charges in connection with Chrysler Group's repayment of the VEBA Trust Note, which has been carried at face value as a result of the purchase accounting related to the acquisition of control and consolidation of Chrysler Group in May 2011.
©2012 PR Newswire. All Rights Reserved.


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Arkeia Network Backup is designed for organizations that require fast, easy-to-use, and affordable data protection. It backs up critical data to disk, tape, and cloud storage. Arkeia protects all major virtual platforms including VMware, Hyper-V, XenServer, and more than 200 physical platforms including Windows, Mac OS X, Linux, Netware, most UNIX flavors, and BSDs. The company's source-side Progressive Deduplication technology helps users realize better performance at a lower cost by reducing data volumes. Arkeia's deduplication is crucial to accelerating replication of on-premise backups to private or public clouds.
BZFlag is a 3D, multiplayer, tank battle zone, capture the flag game that pits players against each other in a networked environment. It runs on Windows 95/98/NT/2000, Linux, MacOS 10.x, Irix, Solaris, and others. An OpenGL accelerator is highly recommended, but it is playable with 3D in software.
DB2 is a database management system that offers industry leading performance, scalability, and reliability on your choice of platform from Linux to z/OS. Its Web Control Center offers administrators an easy-to-use interface for maintaining databases, and can be run from any Java-enabled Web browser. For Java developers, DB2 UDB for Linux offers support for JDBC and SQLJ, and Net.Data allows for the creation of dynamic data diven Web applications. DB2 UDB for Linux allows you to harness the power of user-defined types and functions and support for Binary Large Objects.
Dr. Geo is an interactive geometry program that is distributed as a universal portable application. It allows one to create a geometric sketch and manipulate it according to its constraints. It is usable at home or at school, in primary or secondary education. It is simple and effective with extended features including scripting and programming.
Racket (formerly PLT Scheme) is a programming language suitable for implementation tasks ranging from scripting to application development, including GUIs, Web services, etc. It includes the DrRacket programming environment, a virtual machine with a just-in-time compiler, tools for creating stand-alone executables, the Racket Web server, extensive libraries, documentation for both beginners and experts, and more. It supports the creation of new programming languages through a rich, expressive syntax system. Example languages include Typed Racket, ACL2, FrTime, and Lazy Racket.
fli4l is a single-floppy Linux-based ISDN/DSL/ethernet-router. It features configuration with some simple ASCII-files, several possible connection-flavors (in/out/callback, and raw IP/PPP), channel bundling (an extra channel can be added through a Windows/Unix-client), configuration of multiple networks, least-cost routing, automatic choice of provider, display/calculation of connection times and costs, and a Windows/Unix client to control dial/hangup, monitor traffic and monitor incoming calls on ISDN (see screenshot).
JExpress is a Java installer builder and auto-updater. It gives you your choice of a standalone installer, including both native and cross platform installers and updaters for Windows, Mac OS X, Linux, and Solaris, or a Java Web Start one-click install. You create your installer quickly with your choice of a simple wizard or a powerful advanced interface, both included. You can bundle the exact JVM you want with your installer. The auto-updater gives you a continuous revenue stream after the sale. Your software is always up-to-date, so your customers have fewer problems. You also get all the features you expect in a top end installer. Your Java application becomes a native program just like any other. On Windows it's an EXE, on Mac OS X an app bundle, etc. If you need something really special, you can customize your installer by adding simple Java classes. You can even get a source license at a reasonable price.
The SeaMonkey project is a community effort to develop an all-in-one Internet application suite. It contains an Internet browser, email and newsgroup client with an included Web feed reader, HTML editor, IRC chat, and Web development tools, and is sure to appeal to advanced users, Web developers, and corporate users. It uses much of the Mozilla source code powering such successful siblings as Firefox, Thunderbird, Camino, Sunbird, and Miro.


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Residents of Creston, Iowa, continue cleaning up on Sunday, April 15, 2012, following a strong storm that passed through on Saturday evening. The storm knocked down power lines, overturned vehicles, and caused extensive property damage, including the town's hospital. (AP Photo/The Des Moines Register, Bryon Houlgrave) NO SALES, MAGS OUT, MANDATORY CREDIT
Credit: AP