text:
Identity theft victims suffered more than $24.7 billion in direct and indirect losses in 2012 — that's more than the combined $14 billion in losses consumers experienced from other types of theft (burglary, motor vehicle theft and other property theft) in the same period.
The Bureau of Justice Statistics highlighted these and other staggering statistics in its 2012 Victims of Identity Theft report, which was released this month. About 16.6 million U.S. residents ages 16 and older were victims of at least one incident of identity theft last year. That's about 7% of the population in that age group, and they most often experienced misuse of existing bank and credit card accounts.
Financial Institutions Find the Most Fraud
That's a lot of fraud, and people usually don't spot it on their own. About 45% of identity theft involving existing accounts was discovered by financial institutions, who then notified the affected consumers. That percentage drops to 15% among victims whose personal information was used to open a new, fraudulent account, but 21% of those victims found out about the fraud when another type of company or agency reached out to them. Thirteen percent of that victim pool found out when they received notice of an unpaid bill.
Roughly 20% of consumers discovered their accounts were being misused by finding fraudulent charges on their statements, but the self-discovery rate is only 8% among other identity theft victims.
Who Loses the Most Money?
While flying under the radar, the thieves defrauded Americans of billions of dollars. Last year, 66% of identity theft victims reported a direct financial loss from their most recent incident. On average, victims whose personal information was misused suffered direct losses of $9,650 (the median was $1,900). New account fraud victims experienced an average of $7,135 in direct losses ($600 median), and credit card fraud victims averaged direct losses of $1,003 ($200 median).
The victim doesn't usually bear the brunt of those losses. Fourteen percent of identity theft victims reported out-of-pocket financial losses of at least $1, and nearly half of those costs amounted to less than $100. Of that 14% who lost money, 18% reported expenses of between $100 and $249, and for 16% of victims, identity theft cost $1,000 or more.
The Real Cost of ID Theft
Identity theft is a headache no matter what, but consumers can keep it from becoming a migraine by protecting their personal information and closely monitoring their existing accounts and credit reports.
While most identity theft victims don't personally lose money, thieves can leave a trail of poor financial behavior under a victim's name, translating into negative accounts on credit reports and lower credit scores. Victims whose personal information was misused are more likely to experience financial problems such as dealing with debt collectors, repeatedly correcting credit reports because of identity theft than those whose existing account information is stolen, but victims of all categories may experience these issues.
It can be challenging enough to build good credit without someone else coming in and wrecking it, so taking measures to protect yourself from identity theft is a worthy investment of time, and in some cases, money. Good credit scores will help you qualify for favorable loan interest rates and gain wider access to financial products, and those scores are based on financial matters conducted under your name and included on your credit report.
That's why checking your credit report regularly is an important habit — financial institutions may be good at catching ID thieves, but if you can spot something amiss before they do, all the better. Consumers are entitled to free annual copies of their credit reports from the three major credit bureaus: Equifax, Experian and TransUnion.
Credit scores can also help you spot suspicious activity. The Credit.com Credit Report Card is a free tool that allows consumers to receive monthly updates on their credit scores and the behaviors that determine them, such as timely payments. A sudden drop in your credit scores could indicate someone is misusing your identity.
Prioritize Security
Data breaches have become a regular occurrence these days, and while such security mishaps are beyond your control, you don't want to make it easy for the fraudsters. Make sure to use secure WiFi when accessing sensitive information online, use available security measures like two-step account verification and strong passwords.
Some good news: 86% of victims spend a day or less resolving financial and credit problems stemming from the fraud, though 10% spent more than a month doing so. Again, people whose personal information was misused experienced the biggest problems.
It can be daunting to feel as if you're fighting against a phantom enemy — 32% of identity theft victims knew how their information was compromised, but only 3% of credit card fraud victims knew anything about the offender. But the potential for financial problems after identity theft provide more than enough motivation for making security a priority.
Image: iStock


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ID GO THAT ROUTE BEFOR WELDING ON A BOLT.Quote:
The M76 bolt and bolt carrier can be bought for $150. I'm sure there are PSL owners that would buy the spare 7.62x54R bolt
THERE ARE A LOT OF WAYS TO LEGENTEN A BOLT YOU CAN ADD AN EXTENSION TO A SMALL STEM BOLT THAT SLIDES OVER THE EXISTING STEM AND THEN MAKE THE OFD FIT A LSRGE STEM CARRIER THEN WHILE YOU ARE AT IT ADD A SPPRING LOADED FIRING PIN AS IF YOUR GOING TO SHOOT TRUE 308 THEN YOU SHOULD HAVE ONE AN IF YOUR GOING TO HAND LOADF ITS GOOD IDEA AS WELL SO YOU CAN USE STANDARD PRIMERS. SLAM FIRES SUCK ON SOFT PRIMERS. AN YES IT DOES HAPPEN i KNOW FOR A FACT.

subset: commoncrawl


text: Stephen Decatur High School has launched the new Interact Club, a high school division of the Rotary Club. The new group, which is sponsored by the Rotary Club of Ocean City and Berlin, will be focusing on new service missions. Pictured, back from left, are Principal Tom Zimmer, Trenton Lindenberger, District Governor Jim Roney, Josh Michnick, Ocean City-Berlin Rotary Club President David Blair, Larry Michnick, Arlan Kinney and Tom Bickerstaff; and, front from left, Jensen Todd, Bailey Bush, Paige McWilliam, Joed Mejber, David L'Hussier and Margaret Mudron,


text:
SWAT surrounds apartment building in Homestead
Police: Missing teen found without shoes, severely beaten
As SWAT teams strapped on gear and pointed rifles at a Ninth Avenue apartment building in Homestead, investigators knew it was turning out to be a strange and difficult case.
Authorities said a mother on Sarah Street reported that her 16-year-old son was missing and possibly abducted. When police arrived, they found 10 bullet casings near the corner of Sarah Street and 14th Avenue.
"I can tell you this, there was what appeared to be a gun battle. We recovered casings at two ends of the street," said Homestead Police Chief Jeff DeSimone.
It's unclear if the gun battle broke out as the alleged abduction of the teen was taking place, but police said the car of the boy's father was hit by bullets.
But before long, an informant tipped off the local FBI office that the suspects and the missing teen were inside the Ninth Avenue apartment complex. SWAT surrounded the building, and residents were evacuated into the bitter cold.
"I've been out here for three hours, and they're saying just go to the store. Well, I want to go home," said resident Patty Karhut.
Authorities said SWAT members checked each of the dozen or so apartments, and they found signs that the complex is where the 16-year-old may have been beaten.
"They did find blood and signs of someone assaulted at that building," said DeSimone.
DeSimone said the teen was found without shoes and beaten severely inside a home on 15th Avenue.
The teen was taken to a hospital, police said, and the investigation is ongoing.
Detectives said they are working a possible motive that the suspects were angry about a stolen gun. Police said the people behind the abduction may have wanted that gun back or hundreds of dollars in cash in exchange for the abducted teen.


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Tag Archive: how to save money this year
Are you one of the savers that are able to save money every month, or are you like the (almost)...
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The first time I consciously heard Michael Jackson and knew who he was and knew his name, I was snowbound in upstate New York, listening to my radio at night somewhere around Christmas, in late 1982.
I had already heard him by then, of course, I had to have. Most of what passed for pop radio in the seventies, or at least the late seventies, had settled into my brain in some way. I didn't have my own radio then but my mom had the one in the kitchen that I always heard songs on — this would have been a couple of years earlier to that, in the Bay Area — and years later I would reencounter songs and realize where I had first heard them. Donna Summer's "On the Radio," Gary Numan's "Cars," things like that. But anything Michael Jackson did around then I seemed to only get back to in a kind of osmosis, a sense of "Hmm…I must have heard "Off the Wall" or "Rock With You" at that time, surely." But that was years later.
So upstate New York, my first real winter, the first of my three. The first real winter is the best, especially around Christmas, because then everything seems right, you get the white Christmas you keep hearing about, all the carols make a little more sense somehow. I'm very certain I would have been in my room on the second floor, looking over the side lawn over to the neighbors' house next door, maybe out a bit into the street. It's a vague impression but still a strong one, I'm very conscious I first heard it at night, not in the morning. Memory could play tricks on me but I'm not sure that's the case here.
Paul McCartney I already knew about, of course, he was that Beatles guy and he had sung that song with Stevie Wonder. That's all I needed to know and all I cared about, really, but I'd liked "Ebony and Ivory" a lot and I'd liked the Beatles songs I'd heard — I remembered when Lennon was killed and was surprised a bit but I was only nine so I wasn't really crushed, I don't recall my family being upset. Anyway McCartney was doing this song with Michael Jackson and it was all kinds of pleasant.
I liked "The Girl is Mine," it was immediate, fun, catchy, all that. Goofy, of course, way goofy, all those spoken word trade-offs, the politest trash talking ever, but it sounded lovely enough, one of those things to enjoy on the radio at the end of a year where I'd enjoyed a hell of a lot of stuff on the radio. I grew to look forward to it when I heard it again, must have been vaguely aware that Jackson was famous for other things somewhere along the line, didn't think much more of it at the time. "The Girl Is Mine" was a top ten hit and treated with all due care and attention such songs would get, a general nodding recognition.
A couple of months later another song from his new album was released.
I never owned a Michael Jackson album. I didn't need to.
Did anyone, really? And yet it sold and sold and sold, Thriller. But I never got around to it, and after a certain point, I didn't need it. I'd heard…well, almost all of it. Two songs from Thriller were never released as singles. The rest were and all went top ten. They were everywhere. They were EVERYWHERE.
Omnipresence is a contextual thing, depending on mood and inclination. They weren't really everywhere and yet they were. I was a couple of years into the phase of my life where I could and did define everything by the music around me, and 1983 into 1984 was Michael Jackson's time, and every hour, every time I wanted to, a song would be playing, somewhere. I had a couple of favorite stations, sure, but if I was impatient I could flip around, and something would be playing from Thriller. All I had to do was wait a bit.
I didn't have MTV at the time, our family didn't until a couple of years later, though I caught some of the videos here and there on other stations. "Billie Jean" and "Beat It" I remember clearly, the others less so. But I didn't need the videos, I had the songs, they were always there. I loved them all.
And so it went on, the later songs, the abortive Jacksons reunion and tour, another McCartney collaboration, Bad, Captain Eo (saw it twice), Dangerous, The Simpsons, this, that, the other. At the request of a friend overseas I sent a huge Michael Jackson poster to her in full Bad cover mode for her sister, around 1988 or so. I heard about the chimpanzee at some point. I read the Bloom County strips where he featured, sometimes as distant unintentional role model, sometimes as Opus's interview subject:
OPUS: "No no, don't pick me up!"
And onward.
I had just left an annual library staff reception, reviewing the year and looking forward, the handing out of awards and a chance to chat and catch up with others. I walked back to the library and doubtless thought a bit about what a full day it had been already in terms of stuff and news. The passing of Steven Wells, the passing of Sky Saxon, the passing of Farrah Fawcett. Mark Sanford's public collapse still playing out in the political world. Vile stupidity in Iran courtesy of vile fools. All sorts of things happening in Congress. The state budget crunch.
I got back to the library and I forget which friend at the desk said it first but it was something like "Michael Jackson's dead."
The last time I had heard a truly famous musician had died when I was on campus was when a student of mine told me after a writing class that Kurt Cobain was dead. Didn't believe it when he told me. Didn't believe this now.
Scrounged up some sites, noted that so far he was only reported as being in a coma.
That changed.
I tried just now to dig up what I had thought was a trenchant commentary about Michael Jackson back in 1993 in an old Melody Maker issue I had. I found the issue but the unsigned commentary was kinda secondary, aside from this, referring to his troubles with the law that broke wide open that year:
Much has been made of the fact that Michael Jackson was himself mistreated by his father (following the classic vicitim-becomes-abuser pattern). If guilty, this is no reason for more lenient treatment than any less famous abuser. If innocent, one still can't pity anyone with such immense personal wealth to insulate them from painful reality.
I'm not sure what I thought of this at the time. Now, I'm even less sure. It apparently seems to go to the heart of it but doesn't seem to really address anything beyond overlapping platitudes, like it frames a person and a life and something horrific but can't approach it.
On one of the major ILx threads about this, a friend said, "The inside of his head was a snakepit, so it's hard to be really sad." True, but pity and horror aren't excluded from this judgment, a sense of catharsis. When Momus started a thread many years back on ILE called "The Tragedie of Michael Jackson, King of Pop", he had a point.
I laughed at him at times. I shook my head at others. I loved some of his stuff. Hated other things but not with a fierce hate, more of a 'well dude, that could have been a better song.' Mostly I ignored him in recent years, vague senses of 'oh he's doing that now' or 'lord what is this weird crap they're auctioning off' or 'farewell performances, I'm sure' aside.
I'd always defend those songs I loved and knew and internalized, of course, the ones I grew up, the ones I discovered after the fact, the older stuff, the Jackson 5 era, the initial solo stabs. Never did give the newer stuff much of a chance, my mind was elsewhere, I don't apologize for it. I knew him as I knew any celebrity, through the public gaze, he owed me nothing, I owed him nothing in return, the handiest of anonymous exchanges.
I'm not crying over this. Others I know are or mention people they know that are. One person texted me just now to ask if I could take his TV because he didn't want it anymore because it would be full of nothing but retrospectives. The jokes are flying, so is the backlash to them. (My own joke was a status update — namely that Sanford and his advisers must have been kicking themselves that they didn't wait a day.)
But if I'm not crying, that's not to say I'm not moved. If his head was a snakepit then he had no control over the initial placement of the demons in it. Would you have done any better? Would I? We'd like to hope so, but would we know? And yet this doesn't excuse him and can't, and only wretchedness remains, a wretchedness of irresolution, of someone whose construction of a brighter and innocent world grew out of a need and a context that none of us would want to experience from either side. If we could completely and totally divorce him from whatever internal hells he experienced, whatever damage he took and then inflicted, then we could rest easily, but we cannot.
And if I pretended I never thought a song like "Wanna Be Starting Something" just absolutely, totally, perfectly KILLS note for note, then I'd be a liar. And that was just one of 'em.
Just look over your shoulders, honey:
Be at peace.


text:
We deliver all over Ireland for all flat-pack sheds, log cabins and playhouses. Our estimated turnaround time for manufactured flat pack delivery is 4-6 weeks NI or 6-8 weeks ROI, lead time for Dunsterhouse log cabins 6-8 weeks. Our lorries deliver a "direct to your door delivery". This means that flat-packed items will be left on your premises laid flat on the ground for safety. We require a signature upon delivery, and we will contact you with a delivery time and date for your convenience. Please note there is a €150 surcharge on some products delivered to Cork, Kerry and Waterford.
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text:
Get Your Anabolic Cycle Here
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Walmart is a massive retailer that sells a wide variety of products.
Many people look for HGH at Walmart so as to ensure that they buy and use safe products.
People trust the big retailers more than some online sites they've never heard of.
However, it is important to find out whether Walmart sells HGH supplements, and whether they are for sale over the counter or only with a prescription.
Buying HGH from officially recognized websites will not only help you to save money but will also ensure that you access pure and fresh stock.
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This means that Walmart does not sell real HGH over the counter but stocks and sells tons of alternatives for those looking to buy HGH.
More and more Walmart shopping centres have pharmacies built in at the front of the store, and it is often possible to buy real HGH at Walmart from these pharmacies.
Very few stores sell genuine HGH products over the counter, making it important to be careful when identifying a reputable store.
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When buying the supplements, you should establish whether the products sold at these stores will help you achieve your goals.
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Telltale: Women's Sequential Art and Illustration Show
Show at the Main Library
Shirl Sazinski
Curator and illustrator Shirl Sazynski says narrative painting, storytelling, cartooning, character design and comic art produced by female artists is often vastly different in style, subject matter and theme from their male contemporaries.
Come by the Main Library (501 Copper NW) to decide for yourself. Telltale features works by Sazynski and True Blood comics writer Mariah McCourt, among others. The show runs through March 31.


text:
DePaul routs Milwaukee 84-50
Panthers shoot under 26 percent for the game
ROSEMONT, Ill. — DePaul 84, Milwaukee 50: Donnavan Kirk scored 14 points on 7-of-10 shooting as the visiting Blue Demons cruised to their fourth consecutive victory.
Brandon Young and Jamee Crockett added 13 points and six rebounds apiece while Cleveland Melvin chipped in with 11 for DePaul (6-3), which ran out to a 45-27 halftime lead. The Blue Demons increased the cushion as wide as 41 points in the second half en route to an easy win.
Paris Gulley led Milwaukee (3-7) with 14 points. The Panthers shot just 25.8 percent from the field and 5.9 percent (1 of 17) from 3-point range.
Two 3-pointers by Moses Morgan capped a decisive 14-0 DePaul run early in the first half, turning an 8-7 deficit to a 21-8 lead with 11:02 left in the period. Crockett converted a three-point play before making a layup as the Blue Demons closed the half on an 11-2 run.
DePaul scored the first six points of the second half to push the lead to 71-27 and Milwaukee never threatened.
GAME NOTEBOOK: Worrel Clahar added four points, 10 assists, eight rebounds and four steals off the bench for DePaul. … The Blue Demons improved to 11-1 all-time against Milwaukee. … DePaul has won all six games when scoring 63 points or more. The Blue Demons have lost all three games in which they've fallen short of that mark.


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AVG Anti-Virus Free Edition
Today's Best Tech Deals
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Generic Company Place Holder AVG Anti-Virus Free Edition
AVG Anti-Virus Free Edition was PCWorld's top pick in April 2012's Free Antivirus You Can Trust. It performed well in virtually all of the tests we ran.
In our real-world malware detection tests, which evaluate how well an antivirus package will block brand-new threats, AVG's freebie blocked 85.7 percent of the samples, tying for the best result among the programs we tested. It detected 98.7 percent of the more than 129,000 samples of malware from the past four months in our malware "zoo" test. That's a good score, although a bit short of the best results we've seen.
AVG was at the top of its class in disabling active malware infections: On our test PC, it detected and disabled all malicious software, and removed all traces of malware two-thirds of the time.
AVG also scans a PC relatively quickly. When we directed it to check 4.5GB of data, it sped through the job in 1 minute, 35 seconds, the third-fastest time in this test and only 4 seconds slower than the fastest. Its on-access scanner--which runs when you open or save a file--took 4 minutes, 55 seconds to go through the same amount of data, about average for the programs we looked at.
I like AVG's main interface, though its advanced settings could intimidate some users. Apart from that caveat, if you're looking for solid, fast PC protection, look no further than AVG.
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text:
Noel Barnhurst
Chayote (often mistaken for a squash) is a fruit with a cucumber-like taste and texture. The sweet-spicy balance of this appetizer goes well with Sauvignon Blanc or beer.
- Yield
- Makes 6 servings
- 1 pound tan-skinned sweet potatoes
- 4 large garlic cloves, unpeeled
- 4 tablespoons (or more) vegetable oil
- 8 ounces peeled cooked large shrimp, coarsely chopped
- 2/3 cup chopped fresh cilantro
- 2/3 cup panko (Japanese breadcrumbs)*
- 2 tablespoons finely chopped poblano chili**
- 2 tablespoons finely chopped red onion
- 1 1/2 teaspoons Latin Spice Mix
- All purpose flour
- Slaw Chayote
- Chipotle Tartar Sauce
- Preheat oven to 350°F. Pierce potatoes all over with fork. Place on baking sheet. Toss garlic with 1 tablespoon oil in small bowl. Enclose garlic in foil; place on baking sheet with potatoes. Bake until potatoes and garlic are tender, about 30 minutes for garlic and 1 hour 15 minutes for potatoes. Cool garlic and potatoes slightly. Remove peel from garlic. Remove skins from potatoes. Combine potatoes and garlic in bowl. Mash until smooth.
- Add shrimp, cilantro, panko, chili, onion and 1 1/2 teaspoons Latin Spice Mix. Stir to blend well. Season with salt. Form mixture into six 3-inch-diameter patties.
- Preheat oven to 375°F. Lightly coat cakes in flour. Heat 3 tablespoons oil in heavy large skillet over medium-high heat. Cook cakes in batches until brown, adding more oil if necessary, about 2 minutes per side. Place on baking sheet. Bake until heated through, about 5 minutes.
- Spoon Chayote Slaw in center of plates. Place 1 cake on each plate. Spoon Chipotle Tartar Sauce atop cakes; serve.
- *Available in Asian markets and in the Asian foods section of some supermarkets.
- **A fresh green chili, often called a pasilla, available at Latin American markets and some supermarkets.


text:
To make it easier for you to get what you're looking for on fontshop.com, we've added a new delivery option when you buy something. You can download, or now email yourself the fonts. This comes in handy especially when you're browsing the site from a mobile device, or when you're ready to buy something after looking it over in the new FontBook.
Selecting the Email option sends the zip file to the address listed in your account. If it's a big file, (over 10MB) the email option is disabled for that product, but the site works the same as always; Whatever you've paid for but haven't downloaded yet will be waiting for you the next time you log in.
When you choose the email option, here's what the delivery message looks like:
You can take it from here. Thanks for following our work to put great type into the hands of great designers.


text:
Though it was originally posted in 2007, this radical video of former New Mexico Sheriff Darren White telling kids to "Say no!" is currently finding a larger audience — and for good reason.
It keeps the message simple, the beat catchy, and contains the best special effects money could buy (at the time).


text:
When the Autobots and Decepticons encounter a super-powerful sword that needs to be pulled out of a stone, who's going to claim its awesome power? Megatron? Smokescreen? Now, at last, we get to see what it would be like if the legend of King Arthur was restaged with giant transforming robots and pew-pew lasers. Thanks to this exclusive clip from Friday's new Transformers Prime.
The Transformers Prime episode "Legacy" airs on Friday at 7 PM EST on The Hub, and here's the synopsis:
While Jack pairs off with a new Autobot partner, Megatron tries to keep Optimus from discovering the existence of a legendary weapon of the Primes, which could turn the tide of the war.
Transformers Prime is produced by Hasbro Studios for The Hub network.


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Spirited Hale Aina Happenings: Drink Up!
Drinks coming back in style: Prohibition-era cocktails, tiki drinks. Blasts from the past that you don't see: 80s cocktails. Think Technicolor-green Grasshoppers and creamy Mudslides. Fix that at Pint and Jigger tonight, which will be celebrating its second anniversary with 80s drinks. Come with your scrunchies and leg warmers and other 80s attire and get cocktails for $3. Just a little bit of fun with the Pint and Jigger crew before they get back to business, opening their second location at the Hee Hing Plaza on Kapahulu at the end of the year.
Pint and Jigger's second anniversary, May 28 from 7 p.m., 1936 S. King St., 744-9593
Summer means longer days, which means later happy hours at Salt Bar and Kitchen. It's offering a new happy hour menu Thursday through Saturday nights after 11 p.m. Among the offerings: a Maui Cattle Co. burger ($9), fried chicken ($6) and kimchee grilled cheese ($5), along with beer and wine specials. In other Kevin Hanney news, 12th Ave Grill celebrates its 10th anniversary this Sunday. Stop by the new 12th Ave Grill and raise a glass!
Salt, 3605 Waialae Ave., 744-7567
12th Ave Grill's 10th anniversary, June 1, 1120 12th Ave., 732-9469
This Friday, Alan Wong's hosts a "Spirits of the Orient" dinner, featuring almost a dozen shochu, sakes and whiskeys from Korea and Japan, and even China's official "National Liquor," the luxury, high-end 106-proof Moutai. The spirits will be served with a seven-course tasting menu, including an unagi and foie gras nigiri, paired with an Alan Wong exclusive sake, and tea-steamed opakapaka, paired with the small batch Nami Hana Shochu from Hawaiian Shochu Co. in Haleiwa.
$125 including pairings, Friday, May 30, 949-2526 for reservations


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Kia Shine - Dedication (Shows His Wife Going Through Labor & His Newborn Baby) [Fixed]
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ESSAY- Forgive 70- x 7: Amish do what Jesus did
The blood was hardly dry on the bare-board floor of the Nickel Mines School when Amish parents sent words of forgiveness to the family of the killer who had executed their children.
Forgiveness? So quickly and for such a heinous crime? Of the hundreds of media queries I've received in the past week, the forgiveness question rose to the top. Why and how could they do such a thing so quickly? Was it a genuine gesture or just an Amish gimmick?
The world was outraged by the senseless assault on 10 Amish girls in the one-room West Nickel Mines School. Why would a killer turn his gun on the innocent of the innocent? First, questions focused on the killer's motivations– why did he unleash his anger on the Amish? Then, questions shifted to the Amish. How would they cope with such an unprecedented tragedy?
In many ways the Amish are better equipped to process grief than many other Americans. First, their religious faith sees even tragic events under the canopy of divine providence– having a higher purpose or meaning that's hidden from human sight at first glance.
The Amish don't argue with God. They have an enormous capacity to absorb adversity– a willingness to yield to divine providence in the face of hostility. Such religious resolve enables them to move forward without the endless paralysis of analysis that asks why– they let the analysis rest in the hands of God.
Secondly, their historic habits of mutual aid– such as the barn raising– arise from their understanding that Christian teaching compels them to care for each other in time of disaster. That's why they reject commercial insurance and government-funded Social Security, believing that the Bible teaches them to care for each other.
In moments of disaster the resources of this socio-spiritual capital spring into action. Meals are brought to grieving families. Neighbors milk cows and care for other daily chores. Hundreds of friends and neighbors visit the home of the bereaved to share quiet words and simply the gift of presence. After the burial, adult women who have lost a close family member will wear a black dress in public settings for as long as a year to signal their mourning and welcome visits of support.
In all these ways, Amish faith and culture provide profound resources for processing the sting of death. Make no mistake: death is painful. Many tears are shed. The pain is sharp, searing the hearts of Amish mothers and fathers like it would any other parents.
But why forgiveness? Surely some anger– at least some grudges– are justifiable in the face of such a slaughter. But a frequent phrase in Amish life is "forgive and forget." That's the recipe for responding to Amish members who transgress Amish rules if they confess their failures. Amish forgiveness also reaches to outsiders– even to killers of their children.
Amish roots stretch back to the Anabaptist movement at the time of the Protestant Reformation in 16th century Europe. Hundreds of Anabaptists were burned at the stake, decapitated, and tortured because they contended that individuals should have the freedom to make voluntary decisions about religious faith. This insistence that the church, not the state, had the authority to decide matters like the age of baptism laid the foundation for our modern notion of religious liberty and the separation of church and state.
Anabaptist martyrs emphasized yielding one's life completely to God– even to death in the face of torture. Songs by imprisoned Anabaptists, recorded in the Ausbund, the Amish hymnbook, are regularly used in Amish church services today. The 1200-page Martyrs Mirror, first printed in 1660, which tells the martyr stories, is found in many Amish houses and is cited by preachers in their sermons. The martyr voice still rings loudly in Amish ears with the message of forgiveness of those who tortured them and burned their bodies at the stake.
The martyr testimony springs from the example of Jesus, the cornerstone of Amish faith. As do other Anabaptists, the Amish take the life and teachings of Jesus seriously. Without formal creeds, their simple (but not simplistic) faith accents living in the way of Jesus rather than comprehending the complexities of religious doctrine. Their model is the suffering Jesus who carried his cross without complaint– and who, hanging on the cross, extended forgiveness to his tormentors: "Father, forgive them, for they know not what they do."
Beyond his example, the Amish try to practice Jesus' admonitions to turn the other cheek, to love one's enemies, to forgive 70 times 7, and to leave vengeance to the Lord. Retaliation and revenge are not part of their vocabulary.
As pragmatic as they are about other things, the Amish do not ask if forgiveness works; they simply seek to practice it as the Jesus way of responding to adversaries, even enemies. Rest assured, grudges are not always easily tossed aside in Amish life. Sometimes forgiveness is harder to dispense to fellow church members, whom they know too well, than to unknown strangers.
Forgiveness is woven into the fabric of Amish faith. And that's why words of forgiveness were sent to the killer's family before the blood had dried on the schoolhouse floor. It was just the natural thing to do, the Amish way of doing things. Such courage to forgive has jolted the watching world as much as the killing itself. The transforming power of forgiveness may be one redeeming thing that flows from the blood that was shed in Nickel Mines
Donald B. Kraybill, professor at Elizabethtown College, has written numerous books on Amish life including "The Riddle of Amish Culture." He is a 1967 Bible and sociology graduate of Eastern Mennonite University in Harrisonburg and a former chair of the EMU board of trustees.


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Cosmic Mystery Surrounding Black Holes May Be Solved
Astronomers say they may have solved a cosmic mystery: why gravitational monsters known as black holes are inept at swallowing their prey. Gautam Naik explains on Lunch Break. Photo: NASA.
This transcript has been automatically generated and may not be 100% accurate.
... I ... he used to be scientists thought nothing could escape the gravitational pull of the black hole ... also according to new findings from ... astrophysicist to explain why does the black folk aam Goebel up just everything ... will Signals on for for a ... KAL for my joins us from on the non doubled thanks obeying now ... my pleasure ... aam ... I understand that ... pot of this on the roof also around looking at X rays ... can you explain place ... show that some very intriguing observations about black holes ... of these up causing Bobby's of form and fair a lot stars those of the much bigger than our own sun ... collapse and all the mapping gets crunched into very small for him ... and as result the gravity so strong ... that even light cannot escape that's a black hole ... and a beer it's of ... in physics physics of him ... of trying to pin down ... exactly how these black holes was that the hound had to meet ... up observational data ... to actually ... confirm this series and know the deepest recess actually uses ... the data from a telescope that NASA operates ... that is a Chinook ... and peered deep into the heart of our own Milky way ... to come up with some interesting findings about why the coals on has ... ferocious as there always purported to be ... reported to be that basically when when you go down a ... quiet cul de you've you've gone to the dates of output ... according to the study it's basically a lot of the cats in him and that the median of us his stuff it's been repelled the fine black holes that sells authentic quite different from all before right ... that's right ... um what did it that was ... a whole lot of gas the streaming towards the Milky way's back all ... the stock emanates from this gas emanates from the stars that go round that cool ... and they expected that either this guess what get sucked right into them all off the Bob Black Hole War ... II it would somehow get rejected it turns out that ninety nine percent off the gas has rejected ... the soul is a very very intriguing mystery in ... astrophysics when of scientists have looked at the black hole in the center of fun Calix ... Sentra bike Galaxy ... they found that it just wasn't shining began surrounded was shining bright enough ... the gas should shine because the gets heated up tremendously under the influence of gravity ... but it was in Chinese is a big puzzle and now they realize why it turns out ... that the gas system actually heading into the heart of the black coal is actually being rejected ... the Dow fell on ... the water with books about black holes is gobbling up everything set to follow the analogy ... have the Goebel buff so much to go in suggestion and just come take anymore and isn't like you know with the five year old is having eaten too much and Nowal can go and ... well that that's an interesting thought but I actually the ... other ... reason appears to be little more mundane than that ... it turns out that when gas any material stream towards the ... Graco legal ... costs in its gravitational tug ... two forces have to compete one is the gravity of the black hole the sucking this material and or influencing it in words ... but the other is as is material gets closer and closer the back all the ... heats up ... as the master heats up its ... optical digital much more strongly and hop much Foster ... that force the force of the jiggling of the particles pass to up compete against the gravitational pull its experiencing what goes up the piece by piece of the movie in different directions and always moving towards a black hole ... and as a kid Hoffman Hoffa ... they move faster in foster and that motion ... is more than enough to help track the gravity and that's alliance of succumbing to the drive to the back all ... actually managed to escape it ... interesting stuff ... right right on the onthe shoved out the Mike's Times report in The Wall Street don't we appreciate time so ... thank you ...


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Setting the standard for excellence ~ Established 1997
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Michelle L. Aikman
Previously Recorded Friday, May 17, 2013
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Penn State Shenango announced the recipients of its full- and part-time teaching awards. Diane Kuharsky, instructor in biology, and Richard Talbert, part-time instructor in communication, were awarded the 2013 Leonard R. Riforgiato Memorial Teaching Award and the 2013 Margaret Cunningham Foley Memorial Teaching Award, respectfully.
The Leonard R. Riforgiato Memorial Teaching Award is a campus award bestowed on a full-time faculty member who has been chosen through a series of steps that include nominations and recommendation from students and the nominee's peers. Riforgiato, for whom the Shenango campus teaching award is named, was an associate professor in history and the first recipient of the Penn State Shenango Teaching Award. He taught at the Shenango campus for 26 years until he passed away in 1999.
Kuharsky, who joined the Penn State Shenango faculty in the fall of 2011 to teach anatomy and physiology, earned her bachelor's degree in biology at Slippery Rock University and her doctor of physical therapy from the University of Pittsburgh, School of Physical Therapy. Prior to joining the Penn State faculty full time, Kuharsky taught at Slippery Rock University, as well as at the Shenango campus as an adjunct faculty member.
Since joining Penn State Shenango, Kuharsky has been an active faculty member. She is currently chairperson of the Academic Affairs Committee leading the committee in curriculum development to serve the needs of the campus. She is also to co-founder of the campus' Earth Festival, which brings regional vendors, entertainers and speakers to highlight sustainability to our area in a family, friendly event. As the chairperson of the campus' Outreach Committee, she works on various fundraising projects to support the annual event.
In addition to teaching anatomy and physiology, and human musculature this fall, Kuharsky is the adviser to students in the campus' Physical Therapy Assistant program.
Kuharsky completed her clinical residency at the Veteran's Administration Hospital in Pittsburgh. Upon graduation, she was a health care provider at St. John's Specialty Care Center in Mars, Pa., where she worked primarily in the skilled nursing setting. She has had extensive experience in orthopedic and neuromuscular rehabilitation, as well as with specialty wheelchair seating. She is a member of the American Physical Therapy Association and is an American Heart Association Health Care Provider.
In letters of recommendation, Kuharsky's students stated, "This faculty member is the ultimate teacher and cares about nothing more than making sure the students learn and understand what is being taught," The Best teacher I ever had…," "Is a very talented Professor and is also very knowledgeable in her field."
The Margaret Cunningham Foley Memorial Teaching Award, which was presented to Richard Talbert, recognizes outstanding part-time faculty at the campus. This award was established in 1998. Margaret Foley was an English instructor at Penn State Shenango from 1967 to 1994. She passed away in 2000.
Talbert has been a part-time instructor at Penn State Shenango since January 2004 where he has taught various communication and English courses. He has an undergraduate degree in communication from Slippery Rock University and a master's degree is in corporate communication from Duquesne University. Talbert is currently working on his doctorate in rhetoric and philosophy of communication. In addition to teaching for Penn State, he is an adjunct faculty member at several area colleges and universities, including Grove City College; the University of Pittsburgh, Titusville Campus; and Clarion University of Pennsylvania, where he teaches various communication courses.
Outside of the classroom, Talbert is well-written and has presented numerous papers on social media, public relations and communication at state, regional, and national conferences.
As a resident of Grove City, Talbert presently serves as a borough council member where he is chairman of the Airport Committee and a member of the Infrastructure Committee and Technology Committee.
During his tenure at the Shenango campus, Talbert introduced two new communication courses into the curriculum: rhetoric and law and public relations. He is well liked by his students and was nominated for this award in 2012.
Student comments written about Talbert, include "Is up-to-date on issues in every subject and provides a clear understanding of each," "Committed to student learning and offers advice for career development throughout the course," and "An asset to Penn State Shenango Campus."
Both Kuharsky and Talbert were presented a plaque and a monetary award at this year's Penn State Shenango Advisory Board dinner.


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estrogen receptor positive
(ES-truh-jin reh-SEP-ter PAH-zih-tiv)
Describes cells that have a receptor protein that binds the hormone estrogen. Cancer cells that are estrogen receptor positive may need estrogen to grow, and may stop growing or die when treated with substances that block the binding and actions of estrogen. Also called ER positive.


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Roberts & Co. Estate Agents, Cwmbran
9 Gwent Square
Roberts & Co. Estate Agents, Cwmbran
Established in 2002, within only 6 months Roberts & Co. swiftly became one of the leading estate agents in Newport. Situated in the heart of Newport city centre, our prominent offices are staffed by some of Newports' most experienced estate agents, benefiting from over 100 years combined experience in the local property market. Roberts & Co. are members of the National Association of Estate Agents and the Royal Institution of Chartered Surveyors.
At Roberts & Co. we pride ourselves on our personal commitment and enthusiastic professional approach to selling property. Opening 7 days a week, no long-term contract to sign, prominent local advertising and a very competitive fee structure, our products and services are second to none. We also offer a full in-house financial planning service.
Telephone: See phone number 01633 873322


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''It's my Disney movie,'' filmmaker Harmony Korine says about his new feature, Spring Breakers, and he means this in various ways. Several of his young stars come from the world of family entertainment - even James Franco, his male lead, has just appeared in Disney's Oz the Great and Powerful. But Korine's version of Disney is bright and dark and hypnotic, a vividly unsettling and tactile film that follows four young women who travel from college to Florida to take part in the annual Dionysian ritual of spring break.
Click here to view our full movies coverage
He had been thinking about the meaning of this event for a while, collecting visual references for it, but what set the film in train ''was when an image came into my head one day of girls in bikinis and ski masks robbing fat tourists on the beach. And they had silencers.''
Korine, now 40, made his name at 19 with a screenplay for Larry Clark, Kids, that depicted the bleakest extremes of adolescent experience. His own films as a director - starting with Gummo in 1997 - are very different beasts from the scripts he wrote for Clark: they are strange, fragmented, demanding, rigorously experimental and surprising.
With Spring Breakers, which is both consistent with and very different from his earlier work, he has had more publicity and a wider audience, principally because of his cast: he has Vanessa Hudgens of High School Musical, Selena Gomez of Wizards of Waverley Place (and Justin Bieber's former girlfriend) and Ashley Benson of teen drama Pretty Little Liars alongside his wife, actress Rachel Korine.
He wanted the Disney princesses, he says, ''because I liked the idea that their close connection to a current pop mythology was related to the patchwork of the film''. He cast rapper Gucci Mane as a crime kingpin ''because he's one of my favourite characters in real life, I'm a huge fan'', and he went to James Franco, whom he's known for several years, because he was looking for ''pure off-the-wall charisma and violence''.
The phenomenon Korine is depicting, spring break, is like schoolies squared. But Korine's four female characters speak about it otherwise: for them it represents something else, something other than excess, consumption, sex and drugs. It seems to stand for a kind of transcendence of the everyday.
Their quest for fulfilment is achieved and derailed in part because of their encounter with a rapper and drug dealer, Alien (Franco with cornrows, tattoos and a rambling vision of the American Dream) who takes them in and inducts them into his world.
They're not exactly passive victims, however: each girl makes her own choices about what follows. ''We have this saying here,'' Korine says, ''game recognises game. And I think they all recognise each other's game, and it becomes a kind of sociopathic love story.''
Korine talks in long, lyrical sentences that conjure up the world of the film vividly. When he talks about shooting during a genuine Florida spring break, he is quick to emphasise he wasn't simply seeking authenticity.
''None of the movie is real, and it's not meant to be; it's more like a half-dream, like the real world pushed into something hyperpoetic.''
Korine and his director of photography, Benoit Debie (who shot Gaspar Noe's striking Enter the Void), spent time discussing the look of the movie, and they looked at reference images of spring break that captured ''a kind of hypersexualised, hyperviolent, extreme subject matter'', when ''all around it were these more childlike pop-culture indicators and details''.
''The colours, the bathing suits, the Mountain Dew bottles, the puke, the doughnuts, the beer, the palms: there was almost a coded language that was interesting to me,'' Korine says.
''And I started to think about the surfaces of the film and the tone. This idea of the film as candy. And then underneath it, the bleed from the surface becomes the meaning, the pathology.''
There is a narrative trajectory in Spring Breakers, but there are also interruptions and repetitions that disrupt it.
There's a scene of violence, a robbery, that takes place early in the film and is then repeated in a very different context. ''We see it from a distance and there's a strange beauty to it,'' Korine says.
''And later we come back and it's up close and the whole meaning and feeling of it changes and devolves into something more violent.''
Shifting perspectives, a combination of the blatant and the ambiguous, become central to the film's progression.
How does Korine mean us to think of these annual rituals and how the four girls experience them? At one point Franco's character, Alien, seated at a white piano by the pool, breaks into Britney Spears' Everytime and it's tempting to assume irony here, but it also seems very heartfelt. That sense of double possibility is everywhere in Spring Breakers.
''You could say, hey, there's something ironic about it, and it does work in in that way, too,'' Korine says, ''but at the same time, within Alien's character, he completely 100 per cent believes in the power of that song and its sweetness. Where is the line between them? Well, that's the way the film was designed, that it's sort of up to the viewer. And hopefully everyone will have a different feeling about it.
''I wanted the movie to demand something from you; that you had to be receptive to it.''
He has made Spring Breakers, he says, in a time ''when there's no such thing as high or low, it's all been exploded. There is no underground or above-ground, there's nothing that's alternative. We're at a point of post-everything, so it's all about finding the spirit inside, and the logic, and making your own connections.'' He is in a position to recall a different world.
''When I was a kid, if there was some kind of hardcore record that I would want, I would have read about it in the back pages of Forced Exposure magazine and I would send in $5 and it would take six months for it to come, and I would be so excited and I would wait by the mailbox every day until this thing was delivered. And when it finally arrived I would have this personal, unique, isolated experience with a thing I had waited for forever.
''But now that doesn't happen. Now it's all on YouTube. I could type it in, experience it in a moment and then forget about it 10 seconds later.''
Korine is not being nostalgic, he is quick to say, or valuing one specific experience over another. ''It's not a thing that's better or worse. It's just different. And you can never go back.''
■ Spring Breakers opens on May 9.


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Peruvian government honors Levin with its highest award
The Government of Peru honored President Richard C. Levin for his significant contributions to the historic agreement between Peru and Yale regarding the Machu Picchu artifacts excavated by Hiram Bingham a century ago.
Harold Forsyth, ambassador of Peru to the United States, awarded Levin the Order "The Sun of Peru" in the Grade of "Great Cross" for his distinguished service to Peru. The presentation of the award, which is the highest honor bestowed by Peru, took place at the Embassy of Peru residence in Washington, D.C. on Sept. 15.
Forsyth cited the "good will" and "cooperation" between Yale and Peru in reaching the agreement, which he called "a remarkable example of how to solve a controversy."
Peru and Yale reached their landmark Memorandum of Understanding on the future of the artifacts in November 2010.
"I am pleased to accept this extraordinary tribute from the Government of Peru," Levin said. "Yale has now embarked on a long-term collaboration with the Universidad Nacional de San Antonio Abad del Cusco (UNSAAC) to ensure the expanded accessibility of the Machu Picchu collections for research and public appreciation. We salute the Government of Peru for its steadfast efforts to preserve and extend the world's knowledge and awareness of Machu Picchu and its history."
Levin said the historic agreement for which he was honored could not have been possible without the efforts of many people, including former president of Mexico Ernesto Zedillo, the director of Yale's Center for the Study of Globalization, who served as a special envoy in negotiating the agreement, and Yale Vice President and General Counsel Dorothy Robinson, who, he said, devoted countless hours to the effort to reach an agreement with Peru.
Robinson attended the ceremony, along with Richard Burger, the Charles J. MacCurdy Professor of Anthropology, and Yale research associate Lucy Salazar. Levin said Burger and Salazar have dedicated their lives to the preservation and study of the artifacts that Bingham excavated from Machu Picchu, and are widely recognized for their many contributions to the world's understanding of Andean culture.
Following the Memorandum of Understanding between Yale and Peru, Yale and UNSAAC signed an agreement last February establishing the UNSAAC-Yale International Center for the Study of Machu Picchu and Inca Culture in Cusco.
The center, situated in the Casa Concha in the heart of Cusco, will feature:
- A museum exhibit for the public devoted to the archaeological site of Machu Picchu, with a focus on the investigations there by the Yale-Peruvian Scientific Expeditions of 1911 and 1912 and the subsequent study of the site and its remains by investigators from Yale University and UNSAAC.
- A storage facility where the archeological artifacts and other materials recovered at Machu Picchu by Bingham's 1912 expedition will be stored and conserved in appropriate environmental conditions.
- A laboratory and research area to facilitate collaborative investigations of the collections by the two institutions and visiting scholars.
The center is scheduled to open Oct. 6.
The first artifacts returned to Peru included all of the museum-quality pieces, which were sent to Peru last March, in time for the centennial of Hiram Bingham's arrival in Machu Picchu. The remaining materials will be returned to Peru in two stages, in December 2011 and December 2012.


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Suspects arrested in Pasadena kidnapping and police shootout
Three suspects in a Pasadena home-invasion robbery and kidnapping have been arrested after a shootout with sheriff's deputies, and at least one could face charges of attempted murder of a peace officer, authorities said.
The shootout occurred about 12:20 p.m. Thursday, when a car rammed into an undercover sheriff's vehicle that was investigating the robbery and kidnapping, according to the Pasadena Police Department. At least one of the men from the car shot at the deputies, who returned fire.
No one was injured, but the men got away, and a swath of Pasadena between Lake and Hill Avenues was blocked off as police searched for them. Two of the suspects were arrested that afternoon in Pasadena, and the third was arrested that evening in Arcadia.
All three were booked with kidnapping with intent to commit robbery and probably will face an additional charge of attempted murder of a peace officer, Lt. Ed Calatayud said.
Calatayud said he could not identify the suspects, but other news accounts have named them as Marquice Garrett, 19, Paul Scott, 31, and Eddie McFadden, 20.
Garrett and Scott are being held on $1-million bail, according to the Los Angeles County Sheriff's Department website, and no bail amount was listed for McFadden.
According to City News Service, the perpetrators held two women captive Tuesday night at a home in the 1900 block of North Arroyo Boulevard. The next morning, a bank employee saw one of the women withdrawing money, apparently under duress, and notified police, CNS reported.
St. Patrick's Day weekend: DUI crackdowns on tap
Equestrian area in Aliso Canyon Park opens Saturday
L.A. police shoot, critically wound robbery suspect in Pico-Union area
-- Cindy Chang


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A Booker High science teacher is on paid administrative leave because of an ongoing police investigation.
Doug O'Connell went on leave April 15 after a student made allegations against him, said Principal Rachel Shelley, who declined to give more details to protect the student's privacy and because of the ongoing Sarasota Police Department investigation.
Shelley heard the complaint against O'Connell on April 12 and notified authorities the same day.
"I always have to err on the side of caution," she said, adding she did not want to rush to judgment against O'Connell. "Safety and security is my first and primary concern."
O'Connell, 43, is now working in the human resources office at the school district's headquarters, which is not unusual when an employee is on paid leave.
It is not the first time school officials have questioned O'Connell's behavior.
Officials were concerned about an "inappropriate" comment O'Connell made to a student on Facebook. Edwina Oliver, then a Booker assistant principal, spoke with O'Connell about his expectations, according to a March 24, 2010 memo in his personnel file.
O'Connell's punishment was a verbal reprimand.
Sarasota County schools sent the latest complaint to the state's Office of Professional Practices, which has the power to revoke a teacher's license.
"The investigation into allegations against Douglas Steven O'Connell has been assigned to a staff member who will be in contact with district or school staff in the near future," said an April 30 letter from Florida Department of Education to Sarasota schools.
Florida DOE spokeswoman Cheryl Etters declined to comment on the case Wednesday.
The office's records are public documents once the state determines if there is probable cause.
O'Connell, who is paid $63,015 annually, has worked for the district since August 2001. He took a leave of absence from 2004-2006 to work as the dean of students at the Student Leadership Academy, a new charter school in Venice.
Back at Booker, a long-term substitute is handling O'Connell's teaching duties.
"We want to make sure education continues," Shelley said.
O'Connell's attorney Nevin Weiner declined to comment Wednesday.
Booker High teacher placed on leave amid investigation
A Booker High science teacher is on paid administrative leave because of an ongoing police investigation.


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Kids Can Repay Mom & Dad for College
Taking out a federal loan for parents is a great way to borrow for college. But how can you ensure your child pays you back for the money you borrow?
Our daughter is a freshman biology major and intends to enter the pharmacy program. If she stays the course, she could have a financially rewarding career. We don't qualify for financial aid and we've been focusing on saving for retirement. So to pay for college she took out a federal Stafford loan, and we took out a parent loan through the federal PLUS program (Parent Loan for Undergraduate Students). Our agreement with our daughter is that she will repay us once she graduates and gets settled in her career.
But that's a leap of faith. Is there a better way for her to borrow in her own name that doesn't put our credit and retirement savings at risk? Would it help if she declared her independence from us?
Your current strategy is a good one. Federal Stafford loans for students and PLUS loans for parents are the best ways to borrow for college. They carry attractive fixed rates -- 6.8% for Stafford loans and 8.5% for PLUS loans.
Yes, you are making a double leap of faith in your daughter -- that she will have a lucrative career as a pharmacist and that she'll follow through on her agreement to repay you. But if you and she have a good relationship, it's not unreasonable.
If you have any doubts, you could set up a formal agreement and a repayment schedule through CircleLending. For a fee, CircleLending will prepare the paperwork, send statements, track payments and even report your daughter's repayment record to a credit bureau.
Having your daughter declare her independence isn't an option. To qualify as an independent student she must meet one of the following criteria: be age 24 or older; be an armed-forces veteran; be married; be a graduate student; have a legal dependent other than a spouse, or be a ward of the court.
Saving for grad school
I am a college sophomore and plan to enroll in graduate school in the fall of 2009. What's the best way for me to save for grad school? Could I use a 529 plan, or are those only for undergraduate expenses?
You could use a 529 plan to pay for graduate school, but it probably isn't the best option in your case.
As a college student with a relatively low income, you wouldn't benefit from the tax breaks associated with 529 plans. And because you have such a short time frame, the money would have to be invested conservatively. A simpler and more flexible plan would be to keep your money in a high-rate savings account at an online bank, such as HSBC Direct.


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Down River Equipment is the Source for All Your River Equipment. We have been manufacturing and supplying the best river equipment since 1985. Our company is owned by boaters and we employ an experienced team of boaters to assist with all your river needs. We specialize in the custom fabrication, distribution and retail of equipment for all types of river adventures. Down River Equipment is best known for our quality frames that are 100% made in Colorado. Along with our frames, we also manufacture dry boxes, tables, pumps and a multitude of cargo gear, all of our DRE brand gear is made in Colorado. Our experience and craftsmanship are the best in the industry. We distribute Hyside, AIRE, Rocky Mountain Rafts, Sawyer, Carlisle, Advanced Composite, Extrasport and Engel to name a few.
If you are purchasing any of our frames, tables, dry boxes, or any of our custom made products, one of our well trained staff will follow up with you via email and phone. Our store is located just west of Denver, Colorado. We have a large showroom with boats, frames and products on display. We're open year round and enjoy interacting with our customers on a face to face basis. We are a dog friendly establishment, so feel free to bring your furry friends into our store (dog treats are behind the front counter)!
Happy Boating,
Jason, Phil, Zach, and Team DRE
Back Row (Left to Right): Alex, Travis, Dylan G., Dylan M., TJ, Carol, Phil, Carter, Zach, JT
Front Row (Left to Right): Cori, Jason, Anthony, Abbey Dog, Ian, Ned, Cullen, Kyle


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We recommend researching who you are dealing with, and only agreeing to a deal once you feel comfortable doing so. We highly recommend you use trollhunters.com, heatweare, and E-Bays feedback before sending money or parts to other people.
Here are the rules to keep this section as safe as possible:
1. You must be the owner of, and have possession of the item you are selling.
2. A price must be listed for each item.
3. The item must be able to ship upon payment.
4. The item must be legal to sell (no pirated software, drug paraphernalia, etc, use common sense).
5. It is recommended that users use a non-free email address when buying or selling in this forum, although it is not required that you do so.
6. Sellers must have a minimum post count of 15 and been a member of the LR Forums for at least 15 days.
7. Any thread that is not updated within thirty days is automatically pruned.
8. Please only bump your thread once a day if there is no responses.
Note: Buyers should be cautious when purchasing an item from another user that has a free email address (like Yahoo, Hotmail, GMail, etc). It is not possible to track those email address in the case of a scam.


text:
A 3" round, luster surfaced photo print mounted on a flexible magnet backing. Photo magnets are one of our top selling add-on products for all types of school and event photography. Choose from our huge selection of stock designs, with or without a personalized text line, or design your own using our studio design template series.
Ground FOB
3x3 Round
Photographic Lustre
Choose with or without text line
Round print mounted on a flexible magnet backing