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Protect your Identity: Shred it!
Protect your Identity: Shred it! By Greg Abbott Attorney General of Texas Identity theft is one of the fastest growing crimes in the United States. To prevent identity theft my office is launching a public awareness campaign called "Shred It!". We will be traveling across the state and giving consumers important information they need to know to protect themselves from identity theft. Shred all documents that contain personal information, such as pre-approved credit offers, insurance forms and financial statements. The information in these documents could be used by an identity thief to open accounts and incur debts in your name. It's important that you review your bank and credit card statements carefully each month. Discovering identity theft within one month can drastically reduce your monetary loss and damage to your credit. If the identity theft goes undetected for six months or more, the losses can amount to thousands of dollars. Warning signs of identity theft include unexplained credit card charges or bank account withdrawals. You may stop receiving bills and other mail, or start receiving credit cards you did not apply for. Another warning sign is that you may be contacted by a collection agency about a debt you do not owe, or you may be denied credit due to unauthorized debts. If believe you are a victim of identity theft, contact the fraud department of any one of the three major credit bureaus and place a fraud alert on your credit file. A fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. Once the first credit bureau confirms your fraud alert, the other two credit bureaus will be notified automatically to place fraud alerts on your credit file. All three credit bureaus will then send you a copy of your credit report, free of charge. You should also close the accounts that you know or believe have been tampered with or opened fraudulently, and file a police report. Get a copy of the report to submit to your creditors. You can also file a complaint with the Federal Trade Commission (FTC). The FTC maintains a database of identity theft cases. Victims of ID crime often report that unauthorized activities in their accounts began soon after they responded to some kind of "special offer," entered a contest, or set up an automatic draft on their accounts. Unsolicited special offers and contests should always be viewed with caution, especially when participation involves disclosure of personal and financial information. Be even more cautious if the offer involves an automatic draft. Automatic drafts may be convenient for regular expenses paid to reputable and well known companies, but you should bear in mind that in a dispute with a company that can draft money from your account, usually the money will continue to be drafted while you attempt to resolve the dispute, and you may have a hard time getting it back. Allowing an unfamiliar company access to your bank account, especially when responding to an unsolicited offer, is asking for trouble. While there is no sure way to prevent identity theft, you can minimize your risk by being cautious. People who have been victimized spend months and even years clearing their good names and credit records. POINTS TO REMEMBER Identity Theft Major Credit Bureaus Experian P. O. Box 2104 Allen, TX 75013-3742 888-397-3742 www.experian.com Equifax P. O. Box 740241 Atlanta, GA 30374-3742 800-685-1111 www.equifax.com Trans Union P. O. Box 2000 Chester, PA 19022-2000 800-888-4213 www.tuc.com For a free copy of your credit report: Annual Credit Report Request Service P. O. Box 105281 Atlanta, GA 30348-5281 877-322-8228 www.annualcreditreport.com Information on this and other topics is available on the Attorney General's Web site at www.oag.state.tx.us.
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Search Result
Search Tags: 9:30 club
Weekend concerts: Pat Metheny and Drive By Truckers
Here's a look at this weekend's top concert picks.
Tags: tim bracken, backstage, 9:30 Club, Strathmore, Pat MethenyListen
Arlo Guthrie highlights weekend music scene
Tickets are still available for Arlo Guthrie's Friday night show.
Tags: backstage, tim bracken, arlo guthrie, birchmere, 9:30 ClubListen
Local music club up for second national award
A famed D.C. music club may need to make more room on the shelf for trophies after its nomination for a national award.
Tags: Billboard, 9:30 Club, Brennan Haselton
Backstage: Iconic '70s band, Canadian crooner take to the stage this weekend
What's happening in local music events this weekend? Read on for a look at the concert highlights.
Tags: backstage, Jiffy Lube Live, 9:30 Club, Iota Club and Cafe, Steely Dan, tim bracken
Medical examiner reveals cause of death for 9:30 Club's 'Big Josh'
The longtime security chief at the 9:30 Club in D.C. died of suicide.
Time to ban smartphones at concerts?
For many music fans, being at a concert is more than listening to the band. They share photos and videos on social media. Others think it's time to put down the phone.
Tags: Ian MacKaye, Seth Hurwitz, smartphones, 9:30 Club, Dischord, Merriweather Post Pavilion, Lumineers, beyonce, concerts, Neal AugensteinListen
Local venues plan free Fourth of July parties
In this week's Backstage, Tim Bracken highlights local music venues hosting free July Fourth parties, in addition to some cool concerts over the weekend.
Tags: A Capitol Fourth, National Mall, National Symphony Orchestra, iota, Rock & Roll Hotel, 9:30 Club, tim bracken, Fourth of July
DC picks 9:30 Club owner to run Lincoln Theatre
Tags: Lincoln Theatre, 9:30 Club
Sound Bites brings block party and bands to benefit D.C. Central Kitchen
DJs and bartenders will soon mix it up at the 9:30 Club. But this time, it's not just for the venue's regular concert go-ers; it's to raise money for D.C. Central Kitchen.
Tags: dc central kitchen, Sound Bites, 9:30 Club, Food, music, events, competition, Alex Beall
9:30 Club named best big-room' venue in US
The D.C. area offers a plethora of venues to catch live music, but one local institution has a better main room than any other in the country.
Tags: 9:30 Club, Rolling Stone, music venue, music, big-room
Hi: 69 °F | Lo: 50 °F

subset: commoncrawl


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Available Projects
I am about to undertake a rather ambitious bathroom remodel, but I'm stuck at the glass shower door replacement and could use some advice.
I am going to replace the 30"x60" tub with a shower, but the doors don't seem high enough. I plan to use a pre-built shower pan that is only 2" from the subfloor, but anything less than 70" is too short and even 76" seems questionable. To make matters more difficult, the bathroom is a small one and we have a strong preference for a sliding door. I am close to 6' and don't want to duck every time I go to use the shower. The walls are the standard 8' height so I have plenty of room above.
So couple questions:
1) What do other people do in this situation? Is 70" really too short and I need to find something taller?
2) Does anyone have any suggestions on where I can find a frame-less, sliding door that won't kill my meger budget?
3) Since I'm asking questions, I see 1/4" up to 1/2" thick glass. Any recommendations on what to look for or what to avoid?
Around 70" tall is typical for a shower door. While you may think that you'll bump your head every time you enter and exit the shower, you will not. I'm 6'-2" tall and never even notice when I enter a shower where the top bar is 72" off the floor.
Price wise both Kohler and Sterling (a division of Kohler) offer many frameless styles - you can find them at Lowe's or other home stores in the $300 range. Even though 'frameless' you will still have a top bar, bottom frame piece ans two sides - but the doors will be just glass. Thicker glass is better (to a point) but the thickness of any stock door you get will be sized to be strong enough.
You can find taller shower doors if you want but you will pay LOTS more money. A custom made, frameless 5' wide shower door will set you back somewhere between $3,000 and $4,000.
Another option is look in the yellow pages under "Glass" and call a glass company that makes shower doors. Talk to them, they'll help, give you a free estimate or at least an idea. You can decide from there.
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For Adoption. Two Female Tri-Color Cocker Spaniel Puppies. Shots UTD. Indoors raising. Only serious inquires. Please contact 864-735-7428.More info Email a friend
True German/American bloodline. Both parents long hair sables with show dog bloodlines. 2 males, 4 females. Tan sables, black and tan. Shots up to date.More info Email a friend
We have some beautiful AKC registered black standard poodle puppies ready to go, 3 females and 1 male, they have just had their first puppy grooming, and are soooo sweet..... they are current on vacines and wormings, dew claws are removed and tail is docked...More info Email a friend
AKC CHAMPION BLOODLINE COCKER SPANIELS, FIRST OF ALL, THE PRICES ARE FIRM, PRICE LISTED IS PET PRICE, IF YOU WANT BREEDING RIGHTS AND FULL AKC REGISTRATION, ADD 100 FOR MALES AND 150 FOR FEMALES, THESE ARE FROM MY CHAMPION LOADED PEDIGREE COCKER SPANIELS...More info Email a friend
Beautiful Teddy Bear Style Goldendoodles. M/F, cute, sweet, calm, low shed/no shed, hypoallergenic, small/med/standard sizes available. Up to date on shots and deworming, vet checked, hip/eye/heart health gaurantee! Parents on premise, wonderful temperaments...More info Email a friend
We have beautiful AKC registered mini dachshund puppies available in many colors and all coat types, they are UTD on vacines and wormings, and all puppies have had their dew claws removed, males and females available, $350.00 to $500.00, they will come ...More info Email a friend
6 months old. very cute and healthy. CKC registered. will be small. call 803-466-7712.More info Email a friend
UGA & CH lines. AKC registered. Born 3/3. S & w. White, boys & girls great wrinkles. Friendly & playful.More info Email a friend
For Sale: A Tiny Male Pup & Adult Female; AKC/ CKC; Great Personality; Reputable Breeder; Please visit http://www.tinypaws.com or give me a call for additional information. $400.00 and UPCKC Teacup Male Pup Yorkie Myrtle Beach (Photos Given Below are of...More info Email a friend
1 sweet CKC registered Maltese girl puppy for sale $350. She's absolutely precious just enough play with just enough snuggle. So fluffy she's starting to look like a teddy bear. Mom and dad are family pets. No puppymills. Call 803-983-2052.More info Email a friend


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PAX Prime 2012 is not complete without Board Games
Start/Select - Bioware does a Lucas, Plants vs. Zombies FPS
Meeting Zombies at the EA Booth Tour - E3 2012
13 Greatest Video Game End Credits
Digital Downloads - Starhawk Beta, Saints Row in Space, PS Vita
Escape From Mount Stupid: Zombie Games
Plants vs. Zombies - Halloween Video
$1 PS3 and Vita game sale on PlayStation Store this weekend
PlayStation Store flash sale drops the prices of more than 30 games.
EA drops Plants vs. Zombies 2 lawn mower microtransaction tax
EA calls the addition of a fee for lawn mowers in PvZ 2 a "test," which has now ended.
EA details free Origin games as apology for SimCity launch disaster
List of games being given away by EA includes Battlefield 3 and Dead Space 3.
Plants vs. Zombies 2 sprouting late spring 2013
PopCap sequel coming first half of next year with new features, settings, and situations.
Simpsons Arcade Game tops February PSN sales
Konami's coin-op beat-'em-up title leads Sony's monthly online sales chart; inaugural PS Vita top-selling list topped by puzzler Escape Plan.
Sony lays out PSN awards slate
Fan vote to determine cream of 2011's downloadable PS3 and PSP crop; winners to go on sale for 30 to 50 percent off starting next week.
Amazon intros game-playing Kindle Fire
Online retailer's Android-powered $200 tablet to host Plants vs. Zombies and Angry Birds in addition to books, music, movies.
AU Shippin' Out August 1-5: Sony PS3 bundles
Sony bundles up some old PlayStation 3 classics.
Investors, analysts reserved on EA-PopCap union
Publisher's stock price virtually unchanged after possible billion-dollar pickup; industry watchers approving of deal, with some reservation.
Recent Forum ActivityGo to Plants vs. Zombies Discussion
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Part shampoo, part conditioner, this two-in-one is perfect for those who can't be bothered to juggle multiple bottles every morning or just want to keep their shower clutter-free. With both cleansing and moisturizing properties, the versatile formula is mild enough to use every day (or twice for that matter for those who like to work out after work).
I love this shampoo. It doesn't have a really strong smell, but just enough to smell good. You don't need a lot, it lathers up well.
Left my hair looking healthier then ever. It feels softer, looks better and is easier to handle. The product also has a great apple smell and a little goes a long way.
A gentle smell and gentle touch to your hair. Leaves hair feeling naturally clean and soft. No magic, just plain goodness.
Love this product! Smells great and washes out completely, no need for too much. A perfect addition to this first time Birchbox user.
I like it because its not too fragrant. It does not appear to dry out my hair. A nice welcome item when joining Birchbox.
I workout every day...and i get sweaty. This shampoo is great to use on a daily basis and it smells great. It cleans my hair and doesn't leave it to flat or dull. I plan on buying this as my daily shampoo.
I have been using this shampoo for about a week and I really enjoy it so far. I like that it doesn't dry your hair out and keeps your hair feeling smooth afterward. Not to mention, it smells amazing.
Smells great, this is the first all in one shampoo/conditioner that i feel has really done its job, would definitely recommend.
This shampoo is great. I love the way it smells but it's not too girly. Left my hair feeling clean and soft all day. Highly recommended.
This shampoo/conditioner combo is very versatile and great for anyone active! Convenience of an all in one in a fresh scent! Would highly recommend!


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Older than today
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text: Due to the recent security breach at Network Solutions data center, we have temporarily shut down ISACA-CMC. Network Solutions identified this issue on their end. As a reminder, we do not store any credit card or personally identifiable information on our website database. The encrypted credit card data is sent directly to secure 3rd party payment processing gateway for further processing. This prevents a data compromise at ISACA-CMC and eliminates any risk to our users. We are working with Network Solutions to resolve the security issues. We hope to be back in operation soon but are unable to provide complete website content at this time. We apologize for any inconvenience as we work through the issues with Network Solutions.


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SAN FRANCISCO Evidence that the Rams were more intent, even desperate, to win Sunday: They attempted two fake punts, one from their end zone, in a 24-24 tie with the 49ers.
Both were successful, and the second fake a 19-yard pass to tight end Lance Kendricks extended a 14-play touchdown drive that allowed the Rams to regain the lead with 1:09 left in the fourth quarter.
The first surprise play came at the end of the first half as the 49ers seemingly forced the Rams to punt from deep in their territory with 49 seconds remaining. When the 49ers sent Chris Culliver from the corner to try to block Johnny Hekker's punt, however, Hekker fired a pass to the player who was opposite Culliver, and the Rams picked up a first down.
Said Hekker: "It wasn't even a fake called from the sideline. It was something San Francisco did that was unsound. They left our gunner wide open and didn't bring anyone out to cover him. It's something we were ready and prepared for."
"That takes a lot of gumption," 49ers coach Jim Harbaugh said of executing a fake when the punter is in his end zone. "And they did it, backed up as far as they were. And they executed it very well."
Harbaugh said the 49ers were aware that Hekker, a rookie, was a quarterback in high school and ran the scout team at Oregon State.
Hekker threw a two-yard touchdown pass on a fake field goal for the Rams' only touchdown against Seattle on Sept. 30.
"That punter was a quarterback at Oregon State," 49ers special-teams player Darcel McBath said. "We were well aware that he could throw the football pretty far."
McBath and the 49ers seemed to have the edge on special teams when, following a 49ers touchdown, Tramaine Brock stripped the ball on the Rams' kick return and McBath recovered at the St. Louis 20-yard line. Frank Gore scored a touchdown on the next play.
But Hekker struck again on the ensuing Rams drive when he threw a strike to Kendricks after the 49ers stopped St. Louis on third down.
"We've been practicing that one for a while," Hekker said. "It was a genius brainchild of coach (Jeff) Fisher and (special-teams) coach (John) Fassel. "It worked just as we drew it up in practice."
Trouble with slots Rams wide receiver Danny Amendola, playing his first game since injuring his collarbone in Week 5, caught 11 passes for 102 yards against the 49ers.
Amendola plays out of the slot, a position that has been a handful for the 49ers' secondary dating to last season, in three-receiver formations.
Amendola's total would have been much higher if not for an illegal formation penalty on the first play of overtime that wiped away an 80-yard gain to the San Francisco 2-yard line.
© Copyright The Sacramento Bee. All rights reserved.
Read more articles by Matthew Barrows


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Traxxpad: Portable Studio is exactly what it says it is, it's a program that allows you to create your own music/beats on your PlayStation Portable. Before we get into talking about the game it's important that you understand that this is not game, Traxxpad is more like a scaled-down version of Fruity Loops or any of the other computer programs that allow you to make your own music. If you're going into Traxxpad expecting it to be the next Frequency or Amplitude then you need to stop right here, this program is only meant for those people who want to express themselves using music and phat beats.
The good news is that Traxxpad does just about everything you could want a program like this to do, it features over a thousand audio samples, offers voice/microphone support, allows you to mix and remix your songs, and then gives you the opportunity to convert your music into an MP3 or add it as your cell phone's ring tone. Needless to say the software is powerful, and just as long as you have the patience to see your song to the end then you can come up with some really great music.
Unfortunately this is also Traxxpad's biggest weakness; the program comes with a steep learning curve that will likely turn a lot of aspiring musicians off right from the get-go. This is the kind of title where it pays for you to read the instruction manual ... and chances are you're going to have to go back to it several times before you even start to get the hang of what you're supposed to do. If you can get past the learning curve you will find that this is a deep program full of potential.
Like all music making software what you get out of Traxxpad is equal to what you bring to the table. If you're not the kind of person that can think of hot beats then chances are you're not going to get the most out of this program. However, if you are more musically inclined then you're probably going to come up with some sweet sounding songs. It also depends on how much time you want to put into a particular track. If you really wanted to put your mind to it then you could probably develop a song in a short amount of time (an hour or so), but it's imperative that you continue to tweak, mix and remix the song until it's perfect. That's the fun of Traxxpad; it's all about taking your song from good to downright amazing.
Traxxpad gives you a few different modes to work with, each of which features a different interface that you'll have to learn and master. It's best to take it one step at a time, usually starting with the R.T.I.S.T. editor. In this mode you have the opportunity to place the beats either by going note-by-note or by letting the track loop and just laying down notes that sound good. From there you have the option to work with the MeLOD editor, which allows you to change the pitch, sustain and so forth of notes. Once you have the sequences figured out and finalized you can go into the S.T.A.C. editor and place them around where they need to go. This mode actually allows you to piece your song together, which is definitely the most fulfilling part of the experience.
Of course, that's just a quick overview of the various modes. In practice you'll find that there's a lot more depth to each of the modes than I can explain in this review. The truth is that I could spend entire pages talking about the inner workings of each and every one different modes, what you can do with them and how they are different from one another. But this is a PSP review, not a technical manual about Traxxpad. If you're the type of person that is interested in knowing more about the various modes and how they can affect your music, then chances are you're the type of person that should run out to the store and pick up this game ... er, music making program.
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Democrats are building an economic approach that lifts every American, not just the privileged few. The average American CEO earns more before lunchtime in one day than a minimum wage worker earns all year. This is not the kind of America we want our children to grow up in. Today's economic challenges result from years of Republican inaction and failed policies that have left more and more Americans behind.
It is time to rebuild our economy in a way that's consistent with our values - an economy that rewards hard work and responsibility, not high-flying finance schemes; an economy that's built on a stable foundation, not propelled by overheated housing markets and maxed-out credit cards. We want to build an economy that offers broadly shared prosperity for the long run.
In the 111th Congress, we passed and President Obama signed the American Recovery and Reinvestment Act into law. This bill will save and create jobs, get our economy moving again, and transform it for long-term growth and stability.
As a result of the Democratic-led Congress's focus on economic recovery and on job creation, millions of American workers have gotten a pay raise. The minimum wage increase has gone into effect, putting more money into workers' pockets to help them cope with rising costs, benefiting more than 12 million workers.
This is a time for bold, bipartisan action because Americans who are losing their jobs, homes and health care cannot afford wait.
Congress will continue to work with President Obama in taking aggressive action to create and save jobs while investing in clean energy, education, and affordable health care to ensure a full economic recovery that will last for generations to come.
Learn more about job creation in the American Recovery and Reinvestment Act>>
Learn more about job creation in the American Clean Energy and Security Act>>
Credit Cardholders' Bill of Rights
On May 20th, the House passed the final version of the Credit Cardholders' Bill of Rights, H.R. 627 and the President signed the bill into law on May 22nd.
The Credit Cardholders' Bill of Rights will give consumers the rights and information they need to make educated decisions about their financial lives and could save some families thousands of dollars.
This legislation will apply common-sense regulations that would ban unfair rate increases and forbid abusive fees and penalties. For example, it will prohibit retroactive interest rate hikes on existing balances, double-cycle billing (charging interest twice for balances paid on time), and due-date gimmicks. It will also require 45-days' advance notice of interest rate, fees, and finance charges hikes, require payments to be applied fairly to the highest interest rate balance first, and strengthen credit card protections for young people.
It mandates greater transparency to give consumers clear information, such as requiring credit cards to post their agreements online, and holds those responsible who engage in deceptive practices that hurt families and consumers, by beefing up monitoring, enforcement, and penalties for violations of the law.
Fighting Pay Discrimination
The Lilly Ledbetter Fair Pay Act
In January of 2009, the House passed the Lilly Ledbetter Fair Pay Act, which provides a remedy for women and men who have been victims of pay discrimination. President Obama signed this bill into law on January 29. The Lilly Ledbetter Fair Pay Act corrects the Supreme Court decision that severely restricted the right of workers to have their day in court. The bill was passed by the House in the 110th Congress, but unfortunately Republicans in the Senate blocked a vote on this legislation, thwarting efforts to allow victims of wage discrimination to seek justice in the courts. Women still make just 78 cents to each man's dollar, and in an uncertain economy, equal pay for equal work is about daily survival for millions.
More on the Lilly Ledbetter Fair Pay Act>>
The Gavel's Lilly Ledbetter coverage>>
Paycheck Fairness Act
On January 9th 2009, the House passed the Paycheck Fairness Act, which was passed by the House in the 110th Congress but never taken up by the Senate. This bill would strengthen the Equal Pay Act of 1963 by providing more effective remedies to women who are not being paid equal wages for doing equal work.
The bill would also prohibit employers from retaliating against employees who share salary information with their co-workers; require the Department of Labor to enhance outreach and training efforts to work with employers to eliminate pay disparities; and create a new grant program to help strengthen the negotiation skills of girls and women.
Learn more about the Paycheck Fairness Act from the Education and Labor Committee>>
Learn more about the Paycheck Fairness Act>>
Pelosi: 'Women Deserve Equal Pay For Equal Work'>>
Raising the Minimum Wage
The Democratic-led Congress passed the first pay raise for working Americans in a decade. The previous Republican-controlled Congresses blocked minimum wage proposals from being considered. In 2006 alone, Republicans blocked minimum wage legislation from coming to a vote 11 times.
It is wrong to have millions of Americans working full-time and year-round, yet still living in poverty. The previous minimum wage of $5.15 an hour was simply not enough to cover the needs of the average family as they struggle with increasing costs of child care, education, health insurance, and gasoline prices. Before the increase in 2007, the value of the minimum wage had dropped to its lowest level in over half a century. Working full time, a minimum wage worker brought home only $10,712 a year, nearly $6,000 below the poverty level for a family of three. Raising the minimum wage in 2007 meant a $4,400 yearly pay raise--money that could pay for 15 months of groceries, or more than two years of health care. It could buy 19 months of utilities, 20 months of child care, or 30 months of college tuition at a public, 2-year college.
Mortgage Reform and Anti-Predatory Lending Act
On May 7th, 2009, the House passed the Mortgage Reform and Anti-Predatory Lending Act, H.R. 1728. The bill responds to the subprime mortgage crisis by instituting much needed reform to prevent these bad loans from being made in the first place. It stops the kinds of predatory and irresponsible mortgage loan practices that played a major role in the current financial and economic meltdown and prevents borrowers from deliberately misstating their income to qualify for a loan.
These long overdue reforms, which Democrats have been advocating since 1999, perhaps could have prevented the current crisis.
To restore the integrity of mortgage lending industry, this bill will make sure that the mortgage industry follows basic principles of sound lending, responsibility, and consumer protection, ensuring that:
- borrowers can repay the loans they are sold;
- mortgage lenders make loans that benefit the consumer and prohibit them from steering borrowers into higher cost loans;
- all mortgage refinancing provides a net tangible benefit to the consumer;
- the secondary mortgage market, for the first time ever, is responsible for complying with these common sense standards when they buy loans and turn them into securities;
- there are incentives for the mortgage market to move back toward making safe, fully documented loans; and
- tenants renting homes that are foreclosed would receive notification and time to relocate.
Helping Families Save Their Homes
On May 20th, 2009 the President signed the Helping Families Save Their Homes Act into law. The Helping Families Save Their Homes Act(S.896) builds on the President's housing initiative, to provide significant incentives to lenders, servicers, and homeowners to work together to modify loans and to avoid foreclosures, which cost families their homes every 13 seconds in America. Unfortunately, due to Senate opposition, the bill does not include bankruptcy provisions included in the House bill that encourage lenders to modify loans for families in danger of losing their homes. House Democrats will continue to fight for these provisions to allow judges in the court of last resort to modify the terms of mortgage loans for families-just as they currently do for investors in vacation homes, real estate speculators, and corporations.
This legislation provides tooks to modify loans and avoid foreclosures by:
- Protecting lenders from frivolous lawsuits when they make loan modifications consistent with the Obama Administration's program or done through the Hope for Homeowners program;
- Reducing the current fees for homeowners and lenders that have discouraged them from participating in the Hope for Homeowners program;
- Offering new incentives for lenders to negotiate loan modifications with borrowers at risk of foreclosure under the Hope for Homeowners program; and
- Expanding the President's loan modification program to FHA and mortgages in rural areas (RHS).
Making College More Affordable
The cost of paying for college is becoming even more burdensome for Americans in this economy. While families are losing income, benefits and jobs, college tuition prices continue to rise. The average student now graduates with over $22,000 in total student debt, including federal and private student loans. This year's class of graduating college seniors also enters one of the toughest jobs markets in decades for recent graduates. Of the 1.2 million jobs lost last year, 60 percent were held by workers aged 25 or younger.
Given these challenges, new benefits went into effect on July 1, 2009 that will make student loan payments manageable for millions of Americans. (These benefits were signed into law in 2007 as part of the College Cost Reduction and Access Act.) They include:
- Cheaper interest rates on need-based (subsidized) federal student loans. On July 1, the interest rates on subsidized federal student loans will decrease from 6 percent to 5.6 percent. This is the second of four annual cuts in this interest rate; it will continue to drop until it reaches 3.4 percent in 2011.
- Reasonable and affordable monthly college loan payments for borrowers. On July 1, a new Income-Based Repayment program will go into effect that caps borrowers' monthly loan payments at just 15 percent of their discretionary income (15 percent of what a borrower earns above 150 percent of the poverty level for their family size). Any current or future borrower whose loan payment exceeds 15 percent of their discretionary income is eligible. After 25 years in the program, borrowers' debts will be completely forgiven.
- Higher Pell Grant scholarships that cover the average tuition at public universities. Due to funding provided by both the College Cost Reduction and Access Act and the American Recovery and Reinvestment Act, the maximum Pell Grant scholarship for the 2009-2010 school year will be $5,350 - more than $600 above last year's award.
Learn more from the Education and Labor Committee>>
Stopping Employment Discrimination Based on Sexual Orientation
In November 2007, the House passed the Employment Non-Discrimination Act (ENDA). In 30 states, it is currently legal to fire someone simply because of his or her sexual orientation. This bill prohibits employers, employment agencies and labor unions from using an individual's sexual orientation as the basis for employment decisions, such as hiring, firing, promotion or compensation. The bill extends federal employment protections to gay, lesbian, and bisexual workers similar to those already provided to a person based on race, religion, sex, national origin, age or disability.
The Gavel: House Debates ENDA>>
Helping Families With Rising Food Costs
In June of 2008, Congress overrode the President Bush's veto of the Farm Bill, legislation that will ease the strain of rising food prices for millions of families. Nearly three-fourths of the Farm Bill, an additional $10.4 billion in new spending, goes to nutrition programs that help 38 million American families afford healthy food. It updates the food stamp program to reflect the current state of our economy. These critical food stamp provisions will help about 11 million people by 2012. Households with children receive 77% of food stamp benefits.
Repaying Our Veterans
The GI Bill for the 21st Century, which was signed into law, provides a four-year college scholarship to veterans who served in Iraq and Afghanistan. The legislation will give our returning troops the tools to succeed when they return home, as well as strengthen our shaky economy and help rebuild our military by making service more attractive.
The HEART ACT also became law, making permanent essential tax relief for our military families. This includes tax relief under the Earned Income Tax Credit, providing incentives to make sure that reservists called up for active duty do not suffer a pay cut, clarifying the availability of recovery rebates for military families, and expanding homeownership opportunities for veterans.


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Editor's Note: The following is part of a special "end-of-the-year" series in which local editors from your nearby Patch towns highlight their favorites in various topics.
What do you think was the biggest local news event in the area in 2012?
Tamara Starr - Editor, Dedham Patch
I think the brush fire in Dedham was the top story of 2012 in the Dedham area. There were reports of 20 acres of burning and the smoke can be seen as far north as Lynnfield.
Jeff Sullivan - Editor, Mansfield Patch
Unfortunately, the biggest story in Mansfield this year was the death of two individuals during a concert at the Comcast Center. We saw the damage that drugs can do, and the impact it can have on a community, even if those involved were not from Mansfield.
Dan Libon - Editor, Wrentham Patch
I think the Foxborough casino proposal was the biggest story in the area but specifically for Wrentham, it had to be the flag controversy at the housing complex at Garden Lane. The easiest way to infuriate people is to tell them they can't hang the American flag outside their home because of the complaints of one person and that is exactly what the Department of Housing and Community Development did.
While it was probably one person in the department with poor judgement who made the letter explaining the flag ban, the logic of the decision was questioned by many if not everyone in Wrentham and the surrounding towns. The good news is that the ban was quickly reversed and those who wanted to hang Americans flags were free to do so.
Kelly Mello - Editor, Norton Patch
The biggest news in Norton was perhaps the death of 12-year-old Angel Pina on July 12. Pina was pronounced dead at the scene of a rollover on Rte. 24. Her mother, Sandra Ouellette, was the driver. However, the crash induced the labor of passenger Stephanie Rogers and resulted in the birth of a healthy baby girl named Jasmine.
Kelly Glista - Editor, Norwood Patch
I think from a regional standpoint one of this year's biggest stories was the failed Foxborough casino project. All over our area people were rising up on both sides of the argument, and the idea garnered a lot of interest from local residents.
Jeremie Smith - Editor, Foxborough Patch
The casino was the biggest issue to hit Foxborough in quite some time, mainly because of the tumultuous line it drew in town between those supporting the casino and those opposing it. At the height of the controversy a Foxborough selectman was threatened by a resident for his position on the casino issue. That resident remains in jail on charges related to that incident. And while this past May's Town Election effectively ended speculation of a Kraft/Wynn casino coming to Foxborough, the issue between pro and anti casino residents remains a hot topic in town.
Pat Maguire - Editor, Easton Patch
Mount Pleasant Police Officer Says Hess was 'Aggressor' in DJ Henry Case
The death of Easton native DJ Henry while he was attending college in New York has been an ongoing news story for the past two years, but few events have carried as much clout as the deposition of Mount Pleasant, New York Police Officer Ronald Beckley during a civil suit filed by the Henry family of Easton.
Beckley, who fired his weapon but did not strike Henry, outlined a very different version of the events that took place on Oct. 17, 2010 than that of Pleasantville Police Officer Aaron Hess, who fired the fatal shots. Hess has depicted Henry as the aggressor, saying his actions were in self defense (he was not indicted by a Westchester, NY County Grand Jury). Beckley, however, said said his shots were directed at Hess, who he describes as the aggressor.
Ben Paulin - Editor, Walpole Patch
I think the biggest local story of the year was the casino debate in Massachusetts. The law passing at the end of 2011 cleared the way for casinos to come to the Bay State. However, it seems no one actually wanted the casinos in their town and nothing has been done thus far. No new jobs. No new casinos. I was particularly interested in the proposal by Steve Wynn to put a casino across from Gillette Stadium since I cover Walpole and live close by.
Jeff Pickette - Editor, Stoughton Patch
The Stoughton community was shaken by two tragic events in September. Shayla Lutz, a 3-year-old Stoughton girl, died Friday, Sept. 14 shortly after she was struck by a box truck in front of the Hansen Elementary School. And, just two weeks later, Sept. 29, Stoughton High Senior David Wade, 17, was killed in an accidental shooting at his Turnpike Street home. In the wake of both incidents, the Stoughton community rallied around the Lutz and Wade families offering support. The Stoughton High School football team dedicated its season to Wade, a lineman on the team. The emotional scene the evening of Oct. 5, when the SHS football team took the field against Foxborough, just hours after Wade's funeral, was one of the more memorable events of the year. Stoughton captains carried Wade's jersey out to midfield for the opening coin toss and his helmet and jersey were placed on the team's bench, where it remained for the rest of the season. Many in attendance were wearing #56 t-shirts (Wade's number), watching Stoughton come away with an inspiring 20-0 win.
Jonathan Friedman - Editor, Attleboro-Seekonk Patch
Grist Mill Fire - When people visit Seekonk, they make sure to have a meal at the Old Grist Mill Tavern. The restaurant, which has been around since the 1930s in a building that includes portions that date back to the 18th century, is also a local favorite. So when an early Sunday morning truck crash in June triggered a fire that burned down the building, many people were heartbroken as if a member of the family had died.
"This is a major part of Seekonk's history," state Rep. Steven Howitt told Attleboro-Seekonk Patch as he stared helplessly at the crumbling restaurant. The fire also raised various issues, about the safety of the strangely designed intersection and about Columbia Gas' weekend timeliness (it took nearly two hours to turn off the gas to the building). Although it felt like a death, it appears Grist Mill will rise from the ashes. Nearly a month after the fire, the town's Zoning Board of Appeals voted unanimously for permits to allow the restaurant to be rebuilt, using 70 percent of the structure that survived as a base for the reconstruction.
Want to weigh in? Let us know what you think the biggest local news event of the year was. Tell us in the comments section below!


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Season 2011/12
City Soundwave returns for Wolves
- 14 October 2011 14:08
- Posted by Key103
Key 103 and Manchester City FC are on the look-out for the best musical talent Manchester has to offer.
If you are unsigned band or artist from Greater Manchester you're being given the opportunity of a lifetime to perform in front of thousands of people in City Square, the Blues purpose-built entertainment fan zone.
The first City SoundWave of the season will kick off before the City v Wolves game on 29th October when the two winning bands will go head-to-head.
Ultimately the winning band from this season's competition will get the chance to play at Key 103 Live @ the MEN Arena.
To enter go online to key103.co.uk/soundwave
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As tough as it is lifelike, Mepps®' Musky Marabout triggers some seriously mean strikes. The secret is the hand-tied drag-resistant marabou feather tail that gives the bait its signature lift and lifelike movement.
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It's time to get the best glassware, the good cutlery and the most elegant tablecloths, to begin the new year. Family gets together and from weeks we are already planning recipes to present them with the best dishes and meals. Wine is an important part in such celebrations and how we serve it also says a lot about us. Let's take a look at the best wine accessories for table service.
Decanter, oxygenator, ice bucket ... those are the basics. For large meetings we can add to this list the identifier of glasses, which will help us to share only what is necessary. However, where we can speak at length is in terms of corkscrews. Here we go!


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Vision Research
An International Journal for Functional Aspects of Vision
1. Vision Research is a journal devoted to the functional aspects of human, vertebrate and invertebrate vision and publishes experimental and observational studies, reviews, and theoretical papers firmly based upon the current facts of visual science. Vision Research also accepts experimental studies in which clinical material has been used to address an issue of basic research interest, or where basic research methods have been used to address an issue of clinical importance, or where basic research may have, as yet unapplied, clinical relevance, as far as mechanisms of function or dysfunction of the visual system are concerned. The words clinical and vision sciences should be interpreted in the broadest sense, as represented by the areas of expertise of the members of the Editorial Board. Papers reporting detailed investigations are encouraged and authors should be advised to include enough background material in the introduction of their papers so that they are comprehensible to the non-specialist. The purpose of theoretical papers is to give a higher sense of order to the facts as they are presently known, or to point to new observations which can be verified experimentally. Papers dealing with questions in the history of visual science should lay stress upon the history of ideas in this field. Vision Research has always welcomed the broadest interpretation of visual science.
2. Vision Research also welcomes mini reviews. A mini review is not intended to be a comprehensive history of the subject, but rather a survey of recent developments in fast-growing and active areas of vision research covering only the last few years.
3. Letters to the Editor: If in response to a published article a letter to the Editor is received, this letter will be sent out for review and at the same time be forwarded to the author(s) tackled. If the letter is accepted, the author(s) of the initial paper will be invited to write a reply within a short period of time, and the reviewers of the letter will be asked to review the reply.
4. Obituaries: Vision Research has a restrictive Obituary policy. Obituaries should be submitted to the appropriate Section Editor and the Chairman, and should not exceed a length of one printed page including photograph.
5. Special non-recurrent symposia may be published in Vision Research. Symposium organizers are requested to contact the Chairman. The decision is made by the Editorial Board of Vision Research at the annual meeting during ARVO.
6. Sponsored Articles: Vision Research offers authors the option to sponsor non-subscriber access to their articles on Elsevier's electronic publishing platforms. For more information please view our Sponsored Articles page.
Chairman and Editor in Chief: D.H. Foster
View full editorial board


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Ford Motor Co., down 64 cents at $13.14
The automaker reported better-than-expected 2012 profits, but warned that it expects to lose more money than expected in Europe.
DR Horton Inc., up $2.51 at $23.82
Thanks to improving home prices and better sales, the homebuilder said its first-quarter net income more than doubled.
Beazer Homes USA Inc., up $1.02 at $19.20
The homebuilder slid to a loss in its fiscal first quarter, but the loss was smaller than Wall Street analysts had anticipated.
Tupperware Brands Corp., up $3.42 at $73.75
The seller of plastic storage containers said its fourth-quarter net income fell, but adjusted results still beat analysts' expectations.
VMware Inc., down $21.18 at $77.14
The software company posted a disappointing outlook and said it was cutting 900 jobs, or about 7 percent of its workforce.
Boston Scientific Corp., up 24 cents at $7.10
The medical device maker plans to cut as many as 1,000 more jobs this year as it expands a push to reduce operating costs.
Valero Energy Corp., up $4.96 at $43.77
The refinery operator's fourth-quarter profit rose on higher refining margins, as it swapped foreign crude for cheaper domestic oil.
Kulicke and Soffa Industries Inc., down $1.07 at $11.78
The semiconductor equipment maker said its first-quarter net income fell 58 percent as revenue declined and costs rose.


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Our fellowship is open to all who seek a religious home without creed or dogma and guided by love, reason and conscience.
We are located at 2810 Atlanta Highway in Montgomery, Alabama. You can reach us at (334)279-9517 or firstname.lastname@example.com. ___________________________________________________________________________________ The Unitarian Universalist Fellowship of Montgomery is an intentionally diverse and tolerant group, offering refuge to those searching for spiritual and intellectual growth without regard to past religious histories, personal background or status. We cherish reason, freedom of religion and thought, and embrace democratic principles. We dedicate our membership, facilities and staff to be a presence and influence in our community and to make a difference socially, ethically and spiritually. We are committed to one another and respect diversity while striving for understanding. We encourage our children's spiritual curiosity by introducing them to a variety of religious traditions without indoctrinating them in a particular set of beliefs.


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Hi evey body today i have just got Kalyway OSX 86X 10.5.2 (leopard)
Installed and working but the internet is not workin (osx oese not know there is lan)plz help!
AMD ATHLON x2 5200+
2gb of ram
80gb hdd
nforce 6100 motherboard
plz help!
By the way i have reset the modem nothin still


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You are here:
P.O. Box 506202 E. Main St.Rockwell, N.C. 28138Voice 704-279-2180Fax 704-279-0454
The Town has made available the Zoning Permit Application form online. You can now download the form as a PDF, print and complete it, and deliver it to the Zoning Administrator Mr. Miles Thomas for approval. Visit the Zoning page for additional information.
The Planning Board currently has one (1) slot open for a representative from inside the city limits and three (3) slots open for representatives in the (ETJ)-Extraterritorial area.
The ETJ area consists of properties located one mile outside of the city limits. These people must reside on the property located within the ETJ area.
To obtain an application for one of these positions please contact Marlene Dunn at 704-279-2180 or email firstname.lastname@example.com. Applications are also available at Town Hall located, at 202 E. Main Street.
ETJ area applicants will be appointed by Rowan County Board of Commissioners.
On behalf of the Board of Aldermen and myself, I would like to welcome you to our community. While Rockwell may not be one of the largest towns or cities in North Carolina, we are big on local pride. Rockwell boasts a knowledgeable administrative staff with years of governmental experience. Our Public Works Department keeps our Town well maintained. Our Public Safety Departments which include Police and Fire are well trained and strive to provide top notch departments to assist our citizens. In order to make your transition here more convenient we have compiled some general information that we hope you will find useful.
Mayor Beauford Taylor
RockwellNC.gov is the official web site of the Town of Rockwell, North Carolina


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Hilariously the main page has them listed as "engendered" species. LOL
Click HERE for must see Iron Sheik: Very Animated People hilarity
Recently Played (out of ten):
Donkey Kong Country: Tropical Freeze (Wii U)- 9.5
Killer Is Dead (PS3)- 6.5
Yoshi's New Island (3DS)- 7.5
Metal Gear Solid V: Ground Zeroes (PS3)- 8.5
Infamous: Second Son (PS4)- 9.5
We all judge others even if it isn't our place to judge, but supposedly at the end we are all judged by one!!!
Wrestling, women and money who could ask for more???


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Order by Phone:
>> Alternate Views
Glasgow Leather Travel Coral Cosmetic Case
Item #29572
Sale Price: $34.99
Original Price: $45.00
- Description
- Reviews
This beauty makes an art of functional chic. Designed in Glasgow, Scotland, this Glasgow Leather Travel Coral Cosmetic Case is crafted of full-grain leather. The soft Coral Cosmetic Case is zippered and lined. Imported. 3"h. x 8"l. x 4"w.
Museum Provenance
Like many leather accessories curated by our American History Museum's costume collection.
Every Smithsonian purchase will arrive with a museum provenance card explaining how it is adapted from or inspired by an object or objects in our collection.
Sizing Question?
View Size Chart
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Increase of 85 percent 'staggering,' USAA insurance customer saysby Charles Elmore
At first, military veteran Marvin Yates of Jupiter was a little skeptical when he saw financial services company USAA included in a Post story about dramatic increases in property insurance premiums.
Then he got socked by what he called a "staggering" 85 percent premium increase, a hike of $4,830, from USAA effective in April. He told the company in a letter he copied to the Post: "When USAA was cited as a participant, I didn't believe it; I do now!"
Since 2004-5, he said, USAA has bumped up by 79 percent the value they require him to insure the home for, even while prices for many existing homes have declined in a depressed market. He quotes a local building official who says building and replacement costs have been relatively dormant over the past four or five years.
His letter to USAA president and CEO Joe Robles said the action mirrors "local press reporting of continuing unrestrained actions within the home insurance industry in Florida."
All this has left him "in a state of dismay and disillusion," he said.
USAA spokesman Roger Wildermuth said, " We cannot comment on a member's private insurance matters, but many factors can contribute to changes in premium. As a membership-based association, USAA is committed to helping our members recover when they suffer a loss, so our property insurance rates must reflect the cost of our members' claims. In Florida, our rates must keep pace with the state's long-term exposure to catastrophic hurricanes and the increasing costs of non-catastrophic claims."


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Support SOMA
SOMA Founding Member Program : Support ATSU Home
SOMA Founding Member Program
This is a unique time to become involved with the creation of "The Medical School of the Future" as a Founding Member through philanthropic giving.
The Founding Member Program is the financial cornerstone for the college and will be the philanthropic vehicle to provide support to the Dean's Investment Fund and priorities within the college that interest the donor. There are various recognition levels based on giving with an emphasis on making pledge commitments over a five-year period. Founding Members are working in partnership with the dean to position SOMA as the vital force in educating our future physicians and transforming medical education.
To learn more about the SOMA Founding Member Program and/or other naming opportunities within the College, please contact Kimberly Hopely at email@example.com.


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via my instagram: byalisoncooper
tonight was a french onion dip + ruffles for dinner kind of night.
the apartment smells like vanilla and amber and my brain feels full.
the weather is supposed to be warm + rainy all week
which i'm more than okay with.
i'm also more than okay with
smith's rosebud salve
really friendly bus drivers
yogi's green tea kombucha decaf
saturday nights with allen ginsberg
striped tops for spring
being four points away from the top spot in the east
and having an extra hour of sunlight in the evening
to walk around my neighborhood
and capture small moments like the ones above.
so what are you doing with your extra hour of sun?
xo alison


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Cass County Courthouse addition offers the latest featuresFargo, ND (WDAY TV) -- Following the ribbon cutting, people were invited to get a sneak peak at the new building. The courthouse staff offered tours of its three story addition, showing off some of its latest advanced features.
By: Kay Cooley, WDAY
Fargo, ND (WDAY TV) -- Following the ribbon cutting, people were invited to get a sneak peak at the new building. The courthouse staff offered tours of its three story addition, showing off some of its latest advanced features.
After 11 years of work, the Cass County Courthouse addition is nearly complete and is giving people a glimpse into the building's historic past, now blended with an updated look into the future.
Gerald VandeWalle/ND Supreme Court Justice: "Congratulations Cass County. This is a wonderful day."
The first ever courthouse for the county was constructed in 1874.
Since then, three buildings have gone up, and now three additions.
Scott Wagner/Cass Co. Commission: "This day really culminates over a decade and a half of planning and perseverance by Cass County and its dedicated partners."
The project adds three large courtrooms, all with updated technology and improved security, so the public never has to cross paths with criminals.
Wagner: "We've had major security issues in this courthouse for a number of years and because of the work that's been done and this facility that shortly will open, we're going to address a number of those concerns."
The new courtrooms also have updated video camera systems that can be entirely controlled through remote controls like this one.
As well as an indoor parking garage for employees, a state of the art holding cell with computer controls, and a new Cass County Commission room.
Wagner: "This addition allows this to be the centerpiece of Cass County government for decades to come."
VandeWalle: "It's a wonderful accomplishment, not only for the judiciaries, certainly it is for us and we're appreciative, but for the citizens of Cass County. What an example for the rest of the state to follow."
A multimillion dollar project, now set to serve the community.
Court officials say the addition will be ready for full time use by the end of this month.
Tags: kay cooley, reporters, news, city, construction, fargo, updates


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We all have times when we want to see something up close and hauling around a heavy pair of binoculars isn't always an option.
Zoomies are a lightweight pair of glasses you can use to zoom in anytime, anywhere. There are dials on each side to adjust the focus.
After trying them, Quita saw that Zoomies are definitely not as good as real binoculars. The field of vision is very narrow.
Zoomies' magnification makes things look like they're only a foot closer.
For this Does It Work, the eyes don't have it. Zoomies got a thumbs down.
You can find Zoomies at Bed Bath and Beyond. They cost about $10.


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Sounds counterintuitive: The NBA creating a rule to speed up the game of basketball.
The league has had to crack down on loitering -- late starting times caused by players who are performing their choreographed rituals and routines with teammates before tip-off.
They are now on the clock: After a warning, clubs can be hit with a delay-of-game penalty (technical foul, ensuing free throw) if players are not on the floor 90 seconds after player introductions. A horn goes off with 30 seconds to go.
- Bio | E-mail | Recent columns
The Celtics and Kings apparently have received warnings this preseason.
Like most things, the players took their intricate handshakes, chest-bumps and dance moves too far.
The rule actually is in their best interest. Referees were already peeved having to wait on them, knowing they would then have to endure two-and-a-half hours of complaining about calls, speaking of Dwight Howard.
Howard and the Magic were notorious slowpokes.
I wouldn't be surprised if Dawdling Dwight factored into the birth of the new ordinance, considering he held up the start of more nights than bad weather or leaky roofs. Everyone waits for Dwight – teammates and coaches, be it on the bus or on the plane; why not officials?
Lakers fans won't care because they don't arrive until the second quarter anyway.
The NBA is partially to blame. They market stars such as Dwight, and stars feel like celebrities, and hey, everyone waits for the actor to arrive on the set or for the diva to step on stage. But I don't want to wait for Bruce Springsteen or Beyonce' more than necessary, certainly not 82 times a year.
"The NBA is going to do what the NBA wants to do," Big Baby Davis shrugged. "All I say is, don't take away the color of the game. Minimize it, yes. Just take don't take away the color."
Oklahoma City star Kevin Durant blasted the new rule, saying fans enjoy the sideline antics. "To cut that down makes no sense. Why would you do it?"
Uh, while were young?
Like the Thunder, the Magic held up the opening tip for several minutes at times.
After teammates went through their silly conga handshake line, Howard, always the last one to the scorer's table, wiped his feet on a lint-brush board. He wadded up the tape from the board in a ball and, mimicking a jump-shot with several shoulder-wiggling moves, threw it into the stands.
Lines at the DMV move faster…
After referees usually blew a whistle to hurry up the tardy parties, Jameer Nelson bumped his head into Dwight's chest in their Mutt & Jeff routine. Dwight then tapped Jameer on the head and they walked onto the court. But not in the vicinity of the center-jump circle.
Their act wasn't over.
The earth cooled in less time…
While officials took their positions, Jameer ran out and grabbed the net on the far end of the basket. He pointed to then-general manager Otis Smith, who was occupying his usual spot in the tunnel. Smith nodded back.


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I use these mini scrapers for carving guitars. They are unique in the sense that they are much easier to control in tighter areas. The three unique shapes are unlimited.
I've usually used taped-off razor blades to level drop-fills (and still do) but these new mini-scraper blades are a great alternative, particularly in areas with curves.
The added bonus, however, is the cutout on the #0627 scraper... it's perfect for adjusting and shaping the tops of saddles.
Use them all the time.
I bought the large rectangle and the mini concave/convex - I wish I'd bought them all! Don't know how I did without them, especially the small one. Brilliant for getting to the small places that would be very difficult to sand, and the finish is cleaner than sanding. Great product.
I purchased the mini oval scraper in preparation for an arched top for a solidbody electric. Much smaller than I thought it would be and very thin in thickness,... more of a touch up scraper for small detailed work or for finishing binding after paint. I recommend the larger scraper for heavy duty shaving especially when working with hardwoods.
These are fantastic!! Easier and faster than sandpaper.
at first i was kinda skeptical about using a scraper and even though i still sand for most of what i do i love this tool. there are just thing it will do that you cant with anything else
Very nice. Only wish I'd ordered all the shapes. Going to do that now.
I had no idea how useful and easy a scraper was to use, and now how essential it is in the tools I use everyday. You can spend a ton of time sanding or breeze through the task with a sharp scraper!! I use one every time I make a neck!!
Used these for final shaping of a laminated pickguard for restoration. Experimented first to get the feel. Very good and there are countless uses for the 3 different blades. Easy to sharpen.
To add items to your order, select the check box next to the item you want. You can edit the quantity you wish to purchase here, or in Your Order.
To add items to your saved list, select the check boxes next to the items you want. You can edit the quantity you wish to save here, or in your Saved List.


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FORTUNE – While Americans are paying down most of their debt these days, student debt remains a huge burden. Some are even questioning if it has become too easy to take out an education loan.
Outstanding loan balances for the third quarter of 2012 grew to $956 billion, a 4.6% jump from the previous quarter, according to a report released this week by the Federal Reserve Bank of New York. Meanwhile, total consumer debt, which, unlike student debt, can be discharged in bankruptcy, fell during the same period.
Nearly all student loans are made directly by the government. Some lawmakers argue that the government doesn't ask enough questions to determine a borrower's ability to repay an education loan. The government demands no collateral and has no underwriting requirements, as Republican Sen. Bob Corker of Tennessee noted in July. "What we're really doing is piling up debt down the road the same students are going to have to pay off," Corker said at a Senate Banking Committee hearing, as reported by The Wall Street Journal.
MORE: Where's the stimulus, Obama?
In a way, it all plays out like a vicious cycle. Governments make student loans widely available. And the increase availability of loans, in turn, gives universities an incentive to spend more. Increased spending certainly doesn't help steady tuition rates.
Student loans are a problem, but it would be short-sighted to tighten lending standards on one of the few means by which young people can move up in the world. The crash of the U.S. housing market proved that banks issued mortgages all too easily without sufficient credit checks and such. And, as home prices plummeted, many Americans learned that owning a home was more of a hindrance than a path to prosperity. College, however, is still worth it; those with a degree earn more, as many studies have shown.
So rather than ask why it's so easy to take out student loans, the more relevant question to ask is what are U.S. universities doing to reduce costs? Rising costs have outpaced inflation. Over the past decade, average annual tuition for a year of community college has increased by 40% to $3,122, according to the College Board. At four-year public universities, the cost has risen by 68% to $7,692 a year during the same period.
Universities must change the way they do business. As a starting point, here are three ways campuses can make higher education more affordable.
Take the classroom online
Technology has altered countless industries. It has made everything from music to health care devices more affordable and easier to access. The business of education has been slower to catch on, but calls to make college more affordable might soon change that.
One way to teach more students without necessarily having to build more classrooms or hire more faculty is by offering more courses online, says Jeff Selingo, who makes the point in his forthcoming book, College Unbound. This doesn't mean days spent in the classroom will disappear. Students would still have face-to-face time with their professors, but they'll also learn online.
A growing number of universities currently offer so-called "hybrid" courses, such as the University of Central Florida in Orlando. Here's how it could work: Say a calculus class meets three days a week. Instead of spending all those days in a classroom, students would listen to lectures or take quizzes online for two of those days. The third day would be spent in the classroom with a professor, who would lead discussions and take questions.
This way, on days students aren't in class, the professor would spend it teaching other students. "If a university can serve more students with the same number of instructors, it can actually reduce costs," Selingo says.
MORE: BlackRock's new bond plan
Admittedly, most professors probably won't like the idea, since it would leave them with less time to write books, conduct research, and attend conferences -- all things that contribute to a university's prestige. Then again, how students fare in the years after graduation also influence a college's reputation.
Transfer credits made easy
Many students end up paying more for their degree than they have to. They take far more credits than required to earn a bachelor's degree, partly because colleges often refuse to accept credits from other institutions. To save students from having to retake similar courses, universities should make transferring credits easier.
President Obama touted the idea during his re-election campaign in his promise to cut college tuition by half over the next decade. He has proposed a grant program which would reward universities for coming up with new ideas to cut costs -- one of which could include making it easier to transfer credits from a more affordable community college toward a university degree. The president, however, will need Congress to approve such a plan.
Cut administration costs
U.S. universities have far too many administrators. Between 1993 and 2007, the number of full-time administrators per 100 students at major U.S. universities rose by 39%, while the number of employees who teach and do research rose by only 18%, according to a report by the Goldwater Institute. Spending on administration per student increased by 61% during the same period, while spending on instruction per student rose only 39%.
MORE: The fiscal cliff and private equity
To be sure, students pay only a small part of administration costs, the institute notes in a report. Much of it comes from private gifts, fees, and funds from the federal and state governments.
Wherever the funds come from, it's hard not to wonder why the millions spent on administrator salaries aren't going toward scholarships or lowering tuition.
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|Why you should pay off your car loan ASAP


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I live in NH and I'm looking to install an outdoor faucet away form my house. We are putting in a large veggie garden and would like to have a outdoor faucet next to the garden so we are not haivng hoses across out existing lawns . It would also require about 200 ft of hoses. We have a well which is at the same level as the garden area but approximately 100 feet away.
Can I run pipe directly from the well (under ground) to the garden area and if so how deep would it need to be so I wouldn't have to drain it on a yearly basis. Or is that not possible?
Thanks for your advise and knowledge.


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Reed senior wide receiver Devin Gray took home the recognition of the North's Offensive Player of the Year to go along with the HDL's offensive POY, first team wide receiver and second team return specialist.
Gray caught a team-high 93 passes for 1,329 yards and 17 touchdowns.
Raider teammates Drew Bryant and Austin Corbett were the All-North Division I Defensive Player of the Year and Lineman of the Year respectively.
That duo shared those honors with a pair of Spanish Springs standouts when HDL coaches voted. Cougar linebacker Vincent Agliolo was the co-Defensive Player of the Year in the HDL, while defensive end Nikk Audenried was a co-Lineman of the Year.
Howren was named the HDL Coach of the Year after the Raiders went undefeated in league action. He will be the first to say the credit goes to the kids and the coaching staff, and it was obvious fellow HDL coaches agreed with the talent level of his players.
Senior quarterback Mark Nowaczewski and senior running back Ty Shepard earned first team honors at their positions.
Nowaczewski completed 265 of 416 passes for 3,544 yards. He threw 32 touchdowns compared to 10 interceptions. Shepard rushed for 1,571 yards and 18 touchdowns on 226 carries, averaging nearly seven yards every time he took a handoff.
Spanish Springs also had a first team running back honored in Jeff Jurgensmeier, who racked up 707 yards on 117 carries. He found the end zone on the ground nine times.
Both local schools had a receiver selected to the first and second all-league teams. Brett Chaney, a second team selection, joined Gray after catching 72 passes for 1,149 yards and 10 touchdowns.
Spanish Springs' Vance Lively was on the first team, while Ryder Lowry made the second team. Lowry was also first team all-league at return specialist. Lively led the team with 64 receptions and 1,134 receiving yards, catching 12 touchdowns along the way. Lowry was second on the Purple and Silver with 37 catches for 538 yards and five scores.
Throwing to those receivers was second team quarterback Hunter Fralick, who was 211-of-340 for 2,997 yards and 22 touchdowns. He was only picked off three times.
Three offensive linemen from SSHS claimed either first or second team honors. Those players were first team offensive tackle Audenried, second team offensive guard Jake Martensen and second team center Alec Davis.
Rounding out the Blue and Gold's offensive selections were first team offensive tackles Corbett and Brent Kelly.
While Reed and Spanish Springs scored plenty of points this season, the defenses garnered plenty of attention as well.
Bryant and Agliolo were both first team linebackers. On the second team at linebacker were Reed's Carlos Pinto and Spanish Springs' Kenny Dupree. Bryant led the Raiders with 172 total tackles and 6.5 sacks, while Pinto was third with 96 tackles. Agliolo paced the Cougars' defense with 136 total tackles.
Two Raiders earned all-league honors as defensive tackles. Jared Greenwald was a first team selection and Brent Klitzke made the second team list along with Spanish Springs defensive tackle Brik Chesley.
Audenried and Corbett were both first team all-league at defensive end. Audenried finished with 8.5 sacks on the year.
Reed defensive backs Dominic Montenegro and Austin Warner received first team nods, while teammate Brandon Covello was second team at defensive back. Montenegro hauled in a team-high four interceptions. Warner was second on the team with 118 total tackles.
Gannon Stevens and Blake Nauman were first and second team all-league defensive backs for the Cougars. Stevens had three interceptions to lead Spanish Springs.
The honorable mentions for Reed were wide receiver Marty Hargrove, offensive guard Greenwald, linebacker Logan Neeley and defensive back Jacob Striejewske.
Spanish Springs had five honorable mentions: offensive lineman Anthony Walsh, offensive tackle Mario Palacios, linebackers Peter Riolo and Garrett Nauman and defensive back Martensen.
In the Division I-A North, Sparks received five all-league selections despite going winless.
All five were honorable mentions and helped keep the Railroaders on the right track during an arduous season in which the players could have quit on their coaches. That didn't happen. They fought until the last play of the season.
Receiving honorable mentions were quarterback Geo Vasquez, offensive lineman Ryan Buzick, wide receiver Mario Guadron, running back Hennessy Banks and wide receiver Cedric Sanchez.


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Shawl Collar Cardigan
was: $65.00
Layer this cozy cardi-shawl over your sleveless tops and dresses. Contains soft and smooth to the touch alpaca wool and features foldover shawl collar, dolman elbow sleeves and a wide ribbed bottom band.
You May Also Like
- 70% acrylic, 25% alpaca, 5% wool
- Imported
- Hand wash in cold water.
- Do not use chlorine bleach.
- Dry flat, reshape while still wet.
- Iron at low setting.
- Can be dry cleaned.


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Beachfront Condo! Near Cape May, Wildwood Boardwalk in Diamond Beach
- bedrooms 3
- baths 2
- sleeps 8
- pool no
- hot tub no
- pets allowed no
- type House
- community
rates (USD)
/ week
vacation rental description
La Quinta Place is a fantastic, recently remodeled three bedroom, two bath condo that sleeps a maximum of eight. Located along the Atlantic Ocean, La Quinta Place is on Diamond Beach, a beautiful swimming beach. There is a fantastic nature sanctuary next to the condo, helping to make it more secluded. Wildwood Boardwalk and Convention Center is five minutes away, and Cape May is fewer than ten minutes away.
The master bedroom has a king-size bed and private bath. Of the two other bedrooms, one has a queen-size bed, and the other has two twin beds. Each bedroom has a TV and VCR.
The living room has a TV, VCR, and double sofa bed. The beautiful kitchen is furnished with dishes, cookware, and utensils. It also has a dishwasher and microwave. Also found in the condo are a washer in dryer. The air conditioning and heat make it comfortable year-round.
The beautiful pool, kiddy pool, and hot tub spa are a great place to have fun and relax. They have a beautiful view of the ocean.
vacation rental location
property availability
- dates with deals
- unavailable dates
Last modified on 04-19-2014 at 6:37 PM.
email owner view full calendar
George Clark 973-879-1372
house rental amenities
The master bedroom has a king-size bed and private bath.
Of the two other bedrooms, one has a queen-size bed, and the other has two twin beds.
Each bedroom has a TV and VCR.
Washer and dryer in unit.
- Amenities
- Air Conditioning
- Washer
- Dryer
- Covered Parking
- Elevator
- Beds
- King Bed
- Queen Bed
- Twin/Single Bed
- Crib
- Entertainment
- Cable/Satellite TV
- Jetted Tub in Bath
- Shared Hot Tub
- Shared Pool
- Kitchen
- Full Kitchen
- Cooking Utensils Provided
- Refrigerator
- Dishwasher
- Microwave
- Ice Maker
- Outdoor Features
- Balcony
- View/Location
- Beachfront
- Communications
- Telephone
activities and attractions in Diamond Beach New Jersey
- Activities (on site and nearby)
- Golf
- Tennis
- Theme Park (Amusement Park)
- Zoo/Wildlife Park
- Shopping
- Sightseeing
- Restaurants
- Rafting
- Kayaking
- Sailing
- Boating
- Waterskiing
- Parasailing
- Jet Skiing
- Shelling
- Swimming
- Snorkeling/Diving
- Surfing
- Windsurfing
- Biking
- Wildlife Viewing
- Hiking
- Fishing
- Antiquing
- Cinemas/Movie Theaters
- Live Theatre
- Museums
- Horseshoes
- Miniature golf
- Shuffleboard
- Horseback Riding
vacation rental rates
Low Season ... $1800-$2200/week.
Mid Season ... $2250-$2750/week.
High Season .. $3000-$3500/week.
Please e-mail or call for more specific weekly rates.
George Clark 973-879-1372
accepted payment methods
Prior to paying a reservation deposit, always verify payment instructions by calling the phone number displayed on this listing page. By contacting the owner directly and paying by an approved method - credit card, paypal, check or bank transfer - your reservation payment will be protected up to $1,000.Learn more in our Security Center