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Things to Do in Salem
Things to Do Deals
The Lazer Maze
- Cherry Valley
Patrons of all ages maneuver through a room of lasers with various levels of difficulty
Sapora Playworld
- Loves Park
Sock-footed kids play safely on the soft surfaces at an indoor playground with a separate area for toddlers
Wyldside Paintball
- Rockford
Referees set up scenarios and games to play across outdoor fields filled with dense forests, manmade structures, and inflatable cover
Recommended Things to Do by Groupon Customers
Marvel in a theme park-esque world dedicated to plastic blocks. See the city of Chicago made entirely out of LEGOs at Miniland. Take the factory tour and learn how LEGO bricks are made (you get one LEGO factory brick to take home). Ride on the back of a green dragon through a medieval castle full of moving characters made entirely of LEGOs, and continue the adventure through a jungle trail. Build your own LEGO cars and buildings, then test them to see if they can withstand earthquakes or set speed records on LEGO roadways. After you take in a movie at the 4-D cinema, or let your little ones spend their energy in physical play before it's time to load up the car.
Brew City Bike Tours offers pedal-pushing participants an opportunity to experience the city and its bountiful beer offerings on two wheels without welding a keg to the back of a tandem bike. Tour participants will glean illuminating knowledge about Milwaukee's brewing past (it was once home to four of the world's largest breweries) while sampling some of the city's most notable microbrews. Each tour lasts approximately 3.5 hours and includes two to three samples of beer at three different stops. When logistically possible, one stop will be a tour of Lakefront Brewery, a microbrewery housed in a former Milwaukee Electric Railway and Light Co. power plant. Bike rentals are not included in this Groupon, so thirsty adventurers should bring their own bike, rent one for an extra charge ($31.68), or attempt to commandeer a wild bronco. BYOHelmet too; they're required for the tour.
The Capitol Steps performers draw upon 62 combined years of congressional staff experience for material in their political lampoons. The group, which has recorded 30 albums and puts on four broadcasts every year on NPR, will dish up rollicking numbers from their latest release, Liberal Shop of Horrors. No party or politician—from Barack Obama and Hillary Clinton, to the Tea Party and Sarah Palin—is spared from the cross-hairs of their razor-sharp satire. Exercise your laughing muscles as the group mocks social issues including prescription drugs and the wobbly economy.
First a teacher, and then a stay-at-home mom, Melissa Spredemann turned to indoor cycling to help her get into shape. With 12 years of experience under her belt, she decided to become certified to teach others the exercise form she loved so much. Just one year into teaching, she knew she wanted to pursue her passion full-time, so she opened Velocity Cycling Studio to share stationary cycling's benefits with others. She handpicked a team of instructors, each chosen for their commitment, enthusiasm, and innate ability to bike while not covering any distance. Melissa made the conscious decision to open a niche gym, focusing on indoor cycling and only indoor cycling. In the studio, an army of Spinner NXT bikes with SPD clips seats students as they bike through poses, drills, and movements designed to mimic outdoor riding. Thumping tunes pump up pupils as they ride, keeping them motivated to pedal to the upbeat tempos. Unlike big-box gyms and arranged friendships, Velocity Cycling Studio never requires a contract—guests simply pay per ride.
When the Chicago Philharmonic Orchestra was founded in 1988, it was a tightly knit ensemble consisting entirely of principals from the Lyric Opera Orchestra. Since then, it has blossomed into a collective of more than 200 professional Chicagoland musicians. But despite the increased size and bow-tie budget, the players have lost none of their precision or dynamic nature, prompting the Chicago Tribune to herald the group as "one of the finest symphonic orchestras."
Completed in 1892 as the private home of the Pabst family, Pabst Mansion stands as the last bastion of more than 80 mansions built for Milwaukee's elite during a booming, bygone era. Since its construction, the estate has housed archbishops, priests, and sisters and was saved from near-demolition during the 1970s. The Flemish-Renaissance-Revival home has since been awarded a place on the National Register of Historic Places for its bounty of architectural intricacies.
Today, on-staff docents conduct a range of tours for public groups, private parties, school groups, and well-behaved rugby teams through the fortress of halls, opulent rooms, and verdant grounds, each restored to their original condition.
The Pabst Mansion's impressive art collection includes works from the 1640s through the 1900s by artists such as William-Adolphe Bouguereau, Gaetano Trentanove, and Eugene Joseph Verboeckhoven. The emporium of excess also features Pabst Beer Pavilion, the pavilion built for the World's Columbian Exposition in Chicago, and the glass-covered conservatory where tropical plants and beer trees continue to flourish.
The mansion gift shop holds classic Pabst drinkware and memorabilia as well as antique photos, books, and former employees' original finger paintings.


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Feb 15, 2010
2 Comments
sex with an ovarian cysts
I was told a couple of months ago that a have an ovarian cysts. They explain to me about adnormal periods but they didn't tell me that after having sex I would be in pain. Is this true I can't have sex?
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Feb 16, 2010
Unfortunately, pain during/after sex is part of having a cyst. Can you give us a little information like how big the cyst is? What are your plans on getting rid of the cyst? In my experience if you do not have deep penetration, it does not hurt as bad. Hopefully this issue will be resolved for you quickly.
Jun 02, 2010
hi i had the same situation as you. i had a 7cm cyst on my left ovary and i had alot of pain when i had sex. it was like a sharp stabbing pain that went up my side.
you can stil have sex while you have a cyst. they are quite common and some women dont even know they have them. if the pain is too much then try havin sex with not so deep penatration. that helped alot 4 my husband and i.
i was lucky in the fact that my cyst went on its own and i didnt have to have it removed. hope your as lucky and dont feel it burst like me. :)
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// Streetmaps With detailed routable street level data these maps are aimed at the more frequent suburban traveller.
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Aaron Chesire's life changed when he was T-boned by a distracted motorist.
And it took a television show, Canada's Worst Driver, to help him get back on track.
Doctors weren't sure Chesire would live in the weeks following the trauma. He was in a coma for two months, and he has 15 steel plates in his face.
In the hospital for more than six months, the Calgarian is lucky to be alive. He's not without his scars, however. He suffered long-term brain damage, and uses a cane to help him walk.
Before the 2005 accident, Chesire worked for Budget Rent-a-Car, and was a lot attendant at Stampede Toyota. He was a good driver, certainly one who was competent behind the wheel.
But one of the hardest things for Chesire to do post-accident was return to driving.
"My level of competence was not back, and I was a bit of a gong show on the road," Chesire says.
"I was nervous behind the wheel, and I had trouble making quick decisions. I mean, I was just going through life like everybody else does, and then, wow, it could all be over so quickly."
To help him regain some confidence, Chesire's dad nominated him to be on the television show Canada's Worst Driver. Chesire became one of eight participants in Season 7 of the reality TV show that airs on Discovery Channel.
"Aaron was a poster child for Canada's Worst Driver," says the show's executive producer, Guy O'Sullivan of Proper Television. "He got hit by a bad driver, and very nearly killed. He's proof of what the consequences of bad driving really are."
Chesire agrees.
"I tell people I was able to bring reality to reality TV," he says.
According to a Proper Television news release, Canada's Worst Driver aims to improve road safety by rehabilitating the nation's worst drivers, one bad driver at a time.
Through a series of challenges and intense driver training, motorists relearn the rules of the road while improving their core driving skills.
Each episode, one person graduates and returns to Canada's streets a safer, more skilled motorist.
At the end of the season, host Andrew Younghusband declares one lousy licensee "Canada's Worst Driver."
"The driving instruction was very good, and it was exactly what I needed," Chesire says. The instructors "helped change my actions in the car, and the lessons and challenges were very close to my own reality (of recovery).
"For example, the simple rule of looking where you want to go - I became more competent in life and as a driver."
Proper Television will soon be in Alberta and other Canadian cities searching for nominees, and according to O'Sullivan, there's no lack of poor drivers in Alberta.
"We're very thankful to the people of Alberta - you guys are terrible drivers," O'Sullivan laughs.
"No, really, I think there are more awful drivers in Alberta than anywhere else.
"Why is that? You just all seem to be more removed from what you're doing behind the wheel."
Chesire wasn't the only Alberta driver to appear in Season 7. He was joined by Tab Parks, also of Calgary, and Sly Grosjean of Lethbridge.
Each individual selected to participate in Canada's Worst Driver lacks a particular driving skill, from the one with a lead foot to the one who is constantly distracted.
"There's a range of problems we attempt to fix," O'Sullivan says.
"The rehabilitation part of the show is very important. There's a lot of time and effort spent (off-camera) with a professional driving instructor.
"The tests or challenges just show what's stuck with the participants."
According to O'Sullivan, the show is frightening to make, and his heart is in his mouth every season. There has never been an injury to cast or crew, but there have been close calls.
"We have to be really aware of what's going on," O'Sullivan says.
Chesire was not Canada's Worst Driver in Season 7.
He could have been sent home after the fourth show.
But he felt he was doing positive work, helping showcase the reality of the results of poor driving, and stayed on to the end.
Now, he participates in the P.A.R.T.Y. (Prevent Alcohol and Risk-Related Trauma in Youth) program, and speaks to school-aged children about choices in life - good and bad.
Chesire says: "Canada's Worst Driver changed my life. I walked away a better driver and a better person."


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"Nineteen claims were denied because they did not qualify under previously announced protocols," according to a statement release by the office of Gov. John Hickenlooper.
Families of the 12 who died and five victims "who suffered permanent brain damage or permanent physical paralysis, will each receive $220,000.
Six who were hospitalized for at least 20 days will receive $160,000. Thirteen more will receive $35,000 each, having been in hospital for one to seven days.
Victims who did not require overnight hospital treatment will not be compensated "due to the limited amount of money in the fund."
Free counseling is available to all victims.
The Aurora Victim Relief Fund was established by Colorado's governor and a local charity called the Community First Foundation. It was established to meet the immediate and long-term needs of victims and their families.
James Holmes, a former neuroscience graduate student, allegedly barged into the theater on July 20 and opened fire on the audience as it watched "The Dark Knight Rises," killing 12 people. He faces 152 charges, including murder and weapons offenses.
Fifty-eight people were injured in the shooting.
Feinberg received no compensation for his work on the Aurora shooting payments, Hickenlooper's office said.
He was not even reimbursed for expenses.


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Guest Photos
Our tours take in some of the most breathtaking landscapes anywhere. But don't take our word for it - check out these fantastic photos by our guests! Anyone can post photos to one of our groups on Flickr.
Select a group below to view guest photos:
- Ciclismo Classico - Assaggio Toscana
- Ciclismo Classico - Bike across Italy
- Ciclismo Classico - Bike across Italy II (Sea to Sea)
- Ciclismo Classico - Burgundy
- Ciclismo Classico - Greece to Italy
- Ciclismo Classico - La Bella Sicilia
- Ciclismo Classico - Lovely Lofoten
- Ciclismo Classico - Norway: Classic Fjords
- Ciclismo Classico - Piedmont
- Ciclismo Classico - Tour de France
- Ciclismo Classico - Tuscany & Elba
- Ciclismo Classico - Venice to Bologna
- Ciclismo Classico - Vietnam
Sharing your photos with the Ciclismo community
When you upload your photos, they become part of your own photostream, then you can share them with Ciclismo Classico using groups. We've set up groups for all of our trips, plus a couple catch-all groups. A group is a pool of photos with a common theme, such as photos taken by people during a Ciclismo Classico Bike Across Italy trip. All the Ciclismo Classico groups are listed below.
Here's how to get started:
- If you're new to Flickr, you'll need to set up an account. Since Flickr is run by Yahoo, you use a Yahoo ID to log in to Flickr. You can set up your account here.
- Go to the group page for your trip - you can search for groups on the Flickr Groups page, or follow a link from our full list of groups
- Click the link "Join this group" and confirm on the next screen
- Next, you'll see the group pool of photos; click "Add photos or video" and select photos from your photostream to share
- Also: You'll need to make sure that each of these photos is available for anyone to see (not just friends or family)
- That's all there is to it!
You can search for groups with the terms "Ciclismo Classico" or the name of your trip.
You can also add photos individually by clicking the "Send to group" button on one of your photo pages.
If you have questions about how Flickr works, or how to add your photos to Ciclismo's groups, please contact firstname.lastname@example.com or have a look at Flickr's Frequently-asked Questions.


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ANDRITZ receives Vienna Stock Exchange award in two categories
At the Vienna Stock Exchange Awards 2013, international technology Group ANDRITZ was honored once again for its achievements in Investor Relations. ANDRITZ took second place this year in the main category, the ATX Award, after taking first place last year. This prize is awarded to companies in the leading index of the Vienna Stock Exchange for their outstanding communication policy in the Austrian capital market.
ANDRITZ GROUP: significant drop in earnings in the first quarter of 2013
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International technology Group ANDRITZ has received orders to supply a high-energy recovery boiler and further environmental technologies for Mondi pulp and paper mills in Slovakia, Sweden, and the Czech Republic. The orders are part of Mondi's program to increase energy efficiency and environmental protection.


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text:
Awesome show at Quigley's. I was back in Philly getting my knee operated on, and I got to catch Phish at the 23 East cabaret in Ardmore Pa. the month before. I had just gotten back to Boulder, where I was in school at CU, and managed to catch this show. Couldn't convince anyone to blow off a major party to go with me, so I went alone. I met up with my buddies later and tried to convince them to go with me to JJ Mccabe's, which was the next night. Some other local band, possibly band du Jour, was playing, so they said "no."
Wednesday, 04/04/1990
Quigley's, University of Colorado, Boulder, CO
Set 1: GolgiGolgi Apparatus, YEMYou Enjoy Myself[1] > Walk Away, 'A' TrainTake the 'A' Train, Possum, Foam, Rhombus Narration > DividedDivided Sky, Carolina
Set 2: Mike'sMike's Song > HydrogenI Am Hydrogen > WeekapaugWeekapaug Groove, Esther > Uncle Pen, SlothThe Sloth, LizardsThe Lizards, IDKI Didn't Know, GTBTGood Times Bad Times
Encore: Contact, Highway to Hell
[1] Popeye theme tease from Trey.
Performers: Trey Anastasio, Page McConnell, Jon Fishman, Mike Gordon
Notes: YEM contained a Popeye theme tease from Trey. I Didn't Know was dedicated to "George" and the second verse of Contact was dedicated to "Eli" for his birthday.
This show was part of the "1990 Tour."
I have a pic of a poster for this show that I saw on ebay or something quite a while ago. I believe Acoustic Junction also played at this show.


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May 14, 2013 | Interviewing Financial Planners | no comments | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
April 26, 2013 | The Education Behind the Designations | no comments | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
April 19, 2013 | He's Your Guy When Stocks are High | no comments | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
April 01, 2013 | Narrow Window Left to Make 2012 IRA Contributions | 1 comments | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
March 22, 2013 | Retirement Savings Contributions Credit | no comments | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
March 15, 2013 | Why Do I Have To Report My State Tax Refund As Income? | no comments | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
March 11, 2013 | The "Kiddie Tax" on Your Child's Unearned Investment Income | no comments | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
February 25, 2013 | Tax Planning—Your Kids, Their Money | no comments | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
February 18, 2013 | Choosing Your Tax Return Preparer | no comments | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
February 08, 2013 | On a Scale of One to Five | no comments |
1. How are you compensated?
Any financial expert you are considering working with should be willing to clearly explain all fees you will pay to him or his firm, and all expenses you will pay that are associated with any investment they recommend. You will also want to ask about any fees built into the products you buy from your adviser, as this may alert you to any potential conflicts of interest. If the firm is selling a product it also oversees, you should examine the fees to see how they compare to the costs of investing in other products or similar investments.
2. What assumptions do you use when running retirement planning projections?
If you work with someone who uses a conservative set of assumptions, you may end up with more than what they have projected, not less. Likewise, an aggressive set of assumptions may be difficult to achieve. A conservative set of assumptions should be growing financial assets at 7% a year, using an inflation rate of 4% (meaning personal expenses go up by 4% a year), and increasing the value of real estate assets on paper by 2% a year.
3. Tell me about your ideal client.
Ideally, you want someone who has expertise working with someone like you. Find a financial adviser whose model client sounds very similar to your situation in terms of age, stage of life and asset level. Those with higher net worth may want to look for a firm with experts in taxes, insurance, investments and trusts.
4. Ask a potential financial adviser to explain a concept to you.
You want to work with someone who can explain financial concepts to you in language you can understand. You may consider questions like:
Interviewing multiple financial planners will take time. It is important to remember that this will be the person you trust with your financial life. If you do not understand their answers to these questions, tell them so. A good adviser will take the time to explain what you need to understand to make an informed decision.
William G. Lako, Jr., CFP®, is a principal at Henssler Financial, and a co-host on Atlanta's longest running, most respected financial talk radio show "Money Talks" airing Sundays at 10 a.m. on Talk 920 AM, WGKA.
It is important that investors understand titles of "Financial Analyst," "Financial Adviser" and "Financial Consultant" are merely job titles. That title is not indicative of education or affiliation. To add further to the confusion, a professional planner's designations can often look like alphabet soup. Let's take a look at some of the more popular initials and acronyms you may encounter:
The Certified Financial Planner™ (CFP®) certification is issued by the Certified Financial Planner Board of Standards. Professionals seeking this certification must pass a two-day, ten-hour exam, covering investment management, employee benefits, insurance, taxes, retirement and estate planning. The emphasis of the educational program is the interrelationship of the financial areas, and the need for an objective analysis of a client's circumstances and goals. A CFP® professional must also have at least three years of personal financial planning experience and meet educational and ethical standards to maintain the right to use the CFP® mark. Additionally, CFP® professionals must complete 30 hours of continuing education every two years.
A Chartered Financial Consultant (ChFC) will have a background in the insurance industry in addition to having passed an examination on the fundamentals of financial planning, including income tax, insurance, investment and estate planning. The ChFC program builds on that knowledge with advanced coverage of estate, retirement, and financial planning applications. Individuals who hold the ChFC designation must complete 30 hours of continuing education every two years.
The Chartered Financial Analyst® (CFA) designation is awarded by the CFA® Institute to experienced financial analysts who successfully pass three examinations covering economics, financial accounting, portfolio management, securities analysis and ethics. A CFA charterholder must have an undergraduate degree and at least four years of acceptable professional work experience involving investment decision-making.
The Personal Financial Specialist (PFS) credential is granted exclusively to Certified Public Accountants (C.P.A.) who have considerable personal financial planning experience. The C.P.A./P.F.S. designation is authorized by the American Institute of Certified Public Accountants (AICPA). It can only be acquired by C.P.A.s who are AICPA members, have completed 75 hours of personal financial planning education, have at least two years of experience in financial planning, and pass a comprehensive and rigorous personal financial planning exam.
A Certified Wealth Strategist® (CWS®): This designation is administered by Cannon Financial Institute. The mission of a CWS® is to provide financial services professionals with the technical knowledge, the practice management formula, and the critical client interaction skills to create and build a dynamic wealth advisory practice that works effectively with more complex client issues. The program consists of four days of classroom training, months of directed study, completion of a final Capstone project, and 33-hours of continuing education every two years.
There are more than 100 designations or certifications available for financial experts. Obtaining one of these doesn't always indicate the individual has a degree from an accredited college or university. Designations most often indicate that the individual has passed specific exams and is obligated to adhere to ethical standards. There are other key areas that you should consider, such as, areas of experience, affiliations and investment philosophy. Next week we'll look at the questions you should be asking when you are considering working with a financial expert.
William G. Lako, Jr., CFP®, is a principal at Henssler Financial, and a co-host on Atlanta's longest running, most respected financial talk radio show "Money Talks" airing Sundays at 10 a.m. on Talk 920 AM, WGKA.
Let's take a closer look at brokers and Registered Investment Advisers.
Brokers—registered representatives of a brokerage firm—are sales-oriented agents whose job is helping customers trade stocks and other securities. They are regulated by the Financial Industry Regulatory Authority (FINRA), a self-regulatory organization. FINRA protects investors by maintaining the fairness of the U.S. capital markets.
Registered Investment Advisers are regulated by the Securities and Exchange Commission (SEC) whose mission is to protect investors by enforcing federal securities laws, and regulating the securities industry, the nation's stock and options exchanges, and other electronic securities markets. Under SEC rules, Registered Investment Advisers have a fiduciary duty to their clients. They must put the investors' interests above their own.
And therein lies the difference: An adviser has a regulatory fiduciary responsibility to you, while a broker's loyalty may be with his firm.
A broker is not held to the same fiduciary standard as an investment adviser; therefore, they are only required to recommend "suitable" investments based on your investing objectives, risk tolerance, tax status and financial position. Costs and conflicts of interest are not disclosed because the broker is not acting as a fiduciary. Brokers often receive commissions on your transactions; therefore, this is where the interests of a broker could supersede those of the client.
On the other hand, a Registered Investment Adviser does not sell a product; they sell a service—financial advice coupled with the fiduciary responsibility to put your interests first. Advisory firms must recommend the best investment for the client. They are not obligated by a particular bank, brokerage firm or insurance company. Advisory firms can provide straightforward portfolio direction that is designed to be in the client's best interest. Advisers can only charge fees in three ways: a percentage of assets under management, on an annual basis, or on an hourly or "flat fee" basis.
While there is a difference between brokers and advisers, one is not better than the other. Many registered representatives are now also Registered Investment Advisers and have moved toward fee-based billing. You may also find you need both—an adviser to help you develop a portfolio that will grow to meet your financial goals and a broker or custodian to place the stock trades for you.
Next week, I'll take a closer look at the alphabet soup of designations in finance.
William G. Lako, Jr., CFP®, is a principal at Henssler Financial, and a co-host on Atlanta's longest running, most respected financial talk radio show "Money Talks" airing Sundays at 10 a.m. on Talk 920 AM, WGKA.
If you have not already made your Roth or Traditional IRA contribution for 2012, you have a narrow window to do so. The longer the money has to grow, the better off you should be. Remember, the deadline for a 2012 contribution is April 15, 2013.
You should discuss your options with your financial adviser or tax consultant before making a Traditional IRA contribution. If you contribute to your IRA before April 15, 2013, you will need to notify the sponsor which tax year the contribution is for, as the sponsor can assume and report to the IRS, that the contribution is for the current year.
To make a Roth or a Traditional IRA contribution, you must have earned income. The following lists the income limits and contribution limits for a Roth and a Traditional IRA:
Married Filing Jointly
If your combined adjusted gross income (AGI) is more than $183,000, you cannot contribute to a Roth. Your contributions should be made to a Traditional IRA.
If your AGI is between $173,000 and $183,000, the amount you are allowed to contribute to a Roth phases out the closer your income is to $183,000. If your income is in this range, discuss with your tax adviser the amount you may contribute to a Roth IRA. The remainder should be contributed to a Traditional IRA.
If your AGI is below $173,000, you are allowed to make the full contribution to a Roth.
If your AGI is more than $125,000, you cannot contribute to a Roth. You should contribute to a Traditional IRA.
If your AGI is between $110,000 and $125,000, the amount you are allowed to contribute to a Roth phases out the closer your income is to $125,000. You should consult with your tax adviser for the amount you are allowed to contribute to a Roth. The remainder should be contributed to a Traditional IRA.
If your AGI is below $110,000, you are eligible to make a full contribution to a Roth IRA.
2012 IRA Contribution Limits
For 2012, the maximum you can contribute to all of your traditional and Roth IRAs is the smaller of: $5,000 ($6,000 if you are 50 or older), or your taxable compensation for the year. Additionally, you may consider getting a head start on your 2013 IRA contribution by having your tax refund directly deposited into your IRA account.
William G. Lako, Jr., CFP®, is a principal at Henssler Financial, and a co-host on Atlanta's longest running, most respected financial talk radio show "Money Talks" airing Sundays at 10 a.m. on Talk 920 AM, WGKA.
The credit you can claim is a percentage of the contribution amount with the highest credit percentages applying to those with lower incomes. The IRS uses the following chart to determine the amount of credit taxpayers can claim:
Credit % | Income: | Income: | Income: |
50% | up to $34,500 | up to $25,875 | up to $17,250 |
20% | $34,500-$37,500 | $25,875-$28,125 | $17,250-$18,750 |
10% | $37,500-$57,500 | $28,125-$43,125 | $18,750-$28,750 |
Now, if you have met the qualifications above and fall into one of the income categories in the chart, you have only one more task before completing the form for the credit. This credit is applied to any contributions you made, less any distributions you received in the two-year period before the tax year in which you are claiming the credit. For example, your 2012 total contributions would be reduced by any distributions you received between January 1, 2010 and April 15, 2013. This subtraction rule does not apply to distributions that are rolled over into another plan or distributions that were made as a result of excess contributions.
Having jumped through all of these hoops, if you can claim the credit, you need to complete Form 8880, Credit for Qualified Retirement Savings Contributions, and include it with your 2012 return.
William G. Lako, Jr., CFP®, is a principal at Henssler Financial, and a co-host on Atlanta's longest running, most respected financial talk radio show "Money Talks" airing Sundays at 10 a.m. on Talk 920 AM, WGKA.
The 1099-G is used by states to report your state tax refund from the prior year. Therefore, if your prior year tax return indicated that you overpaid your state taxes by $100, you should have received a 1099-G in January, indicating that the state tax refund may need to be reported on your current year's tax return.
This is called the Tax Benefit Rule. If you receive a deduction for something and later recover it, you must put it back into income. If you itemize deductions and take all of the state payments you made during the year as a deduction and you overpaid your state tax, you have technically taken too many deductions.
In April 2012, you had to pay the state $505 in taxes when you filed your 2011 tax return. During 2012, you had state tax of $3,546 withheld from your pay. On your 2012 tax return, you would be entitled to a deduction for state taxes paid during 2012 of $4,051.
The $3,546 is shown on your 2012 state tax return as taxes withheld. However, let's assume your tax liability for 2012 is only $3,361. The 2012 tax return that you are preparing during 2013 should show that you are due a refund of $185. If all goes well with your state filing, you should receive a check for $185 sometime during 2013. That $185 was part of the $3,546 you had withheld during 2012 and took as a deduction on your federal return in 2012. Your "real" deduction should have only been $3,361 because you overpaid by $185.
However, you simply deduct all state taxes paid and withheld during the year. Tax return preparation is complicated enough—imagine if you had to keep going back and forth to Schedule A (Itemized Deductions) on your federal form 1040 to change it every time you played with your state return. That would be a nightmare!
Therefore, if you itemized your deductions last year, received a deduction for your state income taxes paid during that year and received a refund on your state return, the refund amount listed on the 1099-G you received from the state is usually entered on Line 10 of your Form 1040 as income.
However, if you did not itemize deductions, you did not receive a tax benefit from your state tax payments. Hence, the refund is not income and is not included on your Form 1040 this year.
Of course this all could change if you are subject to the alternative minimum tax.
William G. Lako, Jr., CFP®, is a principal at Henssler Financial, and a co-host on Atlanta's longest running, most respected financial talk radio show "Money Talks" airing Sundays at 10 a.m. on Talk 920 AM, WGKA.
In my last blog post, I discussed whether your dependent children needed to file a tax return. I warned that unearned investment income in your child's name is potentially subject to "Kiddie Tax."
Kiddie Tax is actually not a tax at all. Instead, it is a limitation the IRS has put into place allowing a child under age 18 and full-time students under age 23 to have unearned income, such as, interest, dividends and capital gains, taxed at the child's lower tax rate. Basically, some parents found that they could sometimes lower their income tax liability by shifting investment income to their child, since the child's marginal tax bracket was lower than theirs. The Congress closed this loophole by enacting certain rules known as the kiddie tax.
The kiddie tax rules apply to those under age 18; those age 18 whose earned income doesn't exceed one-half of their support, and children ages 19 to 23 who are full-time students and whose earned income doesn't exceed one-half of their support. For tax year 2012, the first $950 in unearned income a child receives is not subject to tax. Income of more than $950 and up to $1,900 is allowed to be taxed at the child's tax rate—which is usually less than the parent's income tax rate. When the child receives unearned income of more than $1,900, the amount over $1,900 must be taxed at the parent's rate.
There are two ways to report this income. The first option is to prepare a return for your child. The Kiddie Tax would be computed using Form 8615. If this option is chosen, the child's unearned income over $1,900 will be calculated at the parent's tax rate. If the child's parents file separately, the parent's highest tax bracket will be used. The second option is for you to report your child's income on your tax return using Form 8814. The first $1,900 is taxed at the child's rate, but is not included in the parent's taxable income. The amount over $1,900 is then taxed at the parent's rate.
You should consider both possibilities to see the total tax effect for each, as well as consider the effect each situation would have on your tax breaks to maximize your tax credits and deductions.
If you report your child's unearned income on your tax return, you will omit the hassle of filing a separate return for the child. However, the additional income reported on your return could accelerate the phase-out of itemized deductions because of Adjusted Gross Income (AGI), limitations. With AGI limitations, additional income could also phase out your ability to deduct your IRA contributions. Finally, this additional income could reduce the amount of credits available to you. The child's income can be included on your tax return only if the child's unearned income is in the form of interest or dividends. If your child has any capital gains or losses, the child would be required to file a separate tax return.
Reporting your child's unearned income on his own tax return would not affect your AGI. Therefore, your child's unearned income would not affect your eligibility for certain credits and deductions.
William G. Lako, Jr., CFP®, is a principal at Henssler Financial, and a co-host on Atlanta's longest running, most respected financial talk radio show "Money Talks" airing Sundays at 10 a.m. on Talk 920 AM, WGKA.
Let's talk a little about the tax rules for children. A dependent child under the age of 19, as well as full-time students under the age of 24, must generally file a federal tax return for 2012 if the child has:
Your dependent child's basic standard deduction is generally the greater of $950 or their earned income (up to the regular standard deduction of $5,950). No personal exemption is allowed on your child's return if the child can be claimed as a dependent on your return.
Under certain circumstances, if your child is younger than 19 years old or under age 24 if a full-time student, you may elect to report your child's income on your return. This election alleviates the need for your child to file a separate return. However, this election is available only if your child's income is comprised entirely of interest and dividends; your child's income is less than $9,500, and no estimated tax payments have been made in your child's name and Social Security number. The downside to this election is the additional income increases your adjusted gross income, which could cost you the loss of tax credits and itemized deductions.
If your child's investment income was more than $1,900 in 2012 and the child is required to file a tax return for the year, then part of your child's investment income may be subject to tax at your income tax rate, thus, subject to "Kiddie Tax."
Kiddie Tax is actually not a tax at all. Instead, it is a limitation the IRS has put into place allowing a child under age 18 to have unearned income taxed at the child's lower tax rate. Next week, I'll take a closer look at the "Kiddie Tax" and how it may affect your adjusted gross income.
William G. Lako, Jr., CFP®, is a principal at Henssler Financial, and a co-host on Atlanta's longest running, most respected financial talk radio show "Money Talks" airing Sundays at 10 a.m. on Talk 920 AM, WGKA.
With the last-minute tax law changes, taxpayers who have always prepared their own returns are looking for outside help to ensure they receive all the benefits they are entitled to under the new laws. Additionally, once you have a relationship with a tax professional, he should be able to advise you how the new laws will affect your 2013 taxes.
Most tax preparers are professional, ethical and honest. When choosing someone to prepare and file your taxes, you should consider several factors. First, there are several types of preparers you should never consider. Among these are companies or preparers who claim they can get you a higher refund than others. Returns that are prepared honestly and competently will all result in you receiving the same refund. There is no secret formula to calculate a bigger refund.
Second, you should avoid any preparer who bases the fee charged on a percentage of the refund. This can lead to the "padding" of your expenses and the "shaving" of your income. While these can increase the refund you receive, the fee you pay the preparer is increased, resulting in a tax return that may be questionable at best. Remember you are legally responsible for the information contained in your tax return, not the preparer.
When choosing a tax professional, you should keep in mind reputation, credentials and stability. Ask your friends and associates who they use as their preparer, and if they are satisfied with the service they received. You should be comfortable entrusting your personal information with this person or company.
Tax preparers can have different titles based on their education and experience. They can be called a Certified Public Accountant (C.P.A.), an Enrolled Agent (E.A.), an Accredited Tax Preparer, a Licensed Public Accountant or a Tax Attorney. Only C.P.A.s, E.A.s and attorneys can represent taxpayers before the IRS in all matters. This representation includes audits, collection actions and appeals. Other types of preparers can represent you during an audit only. You should inquire about the preparer's affiliation with professional tax organizations. These organizations provide tax preparers with ongoing education and resources and hold them to a code of ethics.
Unfortunately, the IRS does not respond instantly when problems occur with your return. Sometimes it is months, even years, before they question an entry in your return. When choosing a preparer, you need to consider whether that individual or their firm will be in business for the long run. The tax professional you choose should always sign the return and provide you with a copy for your records. They should make you aware of how to reach them should you have questions when the busy tax season is over.
Choosing a tax professional is an important decision and should be made carefully. Please keep these cautions and suggestions in mind when choosing someone to prepare your return(s).
William G. Lako, Jr., CFP®, is a principal at Henssler Financial, and a co-host on Atlanta's longest running, most respected financial talk radio show "Money Talks" airing Sundays at 10 a.m. on Talk 920 AM, WGKA.
If you've researched stocks, you've likely come across a section offering "Analyst Opinions" with either a numerical or alphabetical score. When you are using an outside source for an opinion on a stock, you should always check to see what the information being provided means. Most information providers define their ratings or rankings to make it somewhat clear as to what they represent.
For example, on Yahoo Finance, the "Analyst Opinion" is provided by a third-party source, Thomson Reuters. The Thomson rating is a numerical score from 1 to 5, with the lower score being the most favorable. The number actually reflects the average analyst opinion on the stock. Thus, if one of the analysts polled by Thomson rates the company a "Buy," it receives a 1 rating from that analyst; a "Sell" opinion would garner a 5 rating. Once all opinions are made, the numerical average provides the rating you see in Yahoo Finance.
Paid rating services like Value Line provide a large amount of information, including a Safety Ranking and Financial Strength rating. For a specific stock, the Safety Ranking will be from 1 to 5, with 1 being the best rating (safest), while the Financial Strength rating ranges from A (best) down to C (worst). Financial Strength is a measure of the financial position of the company. Low debt or the ability to easily service its debt, high levels of working capital, and solid earnings potential, are the attributes of a financially strong company. The Safety Rating is derived from the Financial Strength and the stock's price stability.
Morningstar.com is a good resource for mutual fund research, as is the fund's own prospectus. Morningstar has a widely respected rating system by which the company rates mutual funds from one to five stars with, more stars meaning a more desirable investment fund. Again, the Morningstar website lays out the criteria for their ratings, but in a nutshell the rating measures funds against their style group peers —i.e., other funds that share the same investment objective or market capitalization—on the basis of returns and risk.
Lipper also provides a numerical rating on mutual funds as seen in the Wall Street Journal, MarketWatch.com and Barron's. Their rating system is fairly simple with a range of 1 to 5 being assigned to funds on the basis consistency, preservation, tax efficiency and expense with an overall score. An overall Lipper score of five is best, but the rating system adds value by showing the additional ratings.
Overall, ratings for both stocks and mutual funds vary from one service to the next, as each will use various methods and emphasize different factors. When researching an investment, you may want to consult several, rather than relying on just one.
William G. Lako, Jr., CFP®, is a principal at Henssler Financial, and a co-host on Atlanta's longest running, most respected financial talk radio show "Money Talks" airing Sundays at 10 a.m. on Talk 920 AM, WGKA.


text:
- Bellflower
- Jun 19:
- Man with $145,000 in tickets among those arrested at DUI checkpoints in Bellflower, Norwalk
- May 20:
- 15 Bellflower motorists nabbed in DUI checkpoint
- Apr 29:
- Bellflower valve company strives to keep family business afloat amid defense budget uncertainty
- Mar 5:
- Schnablegger joins Bellflower council, incumbents keep seats
- Mar 4:
- Two women injured in 91 Freeway crash in Bellflower
- Feb 18:
- Orange County Coroner ID's Bellflower teenager in fatal La Palma crash
- Feb 13:
- Bellflower City Council candidates say more economic development needed
- Feb 7:
- BRAVO AWARDS: Neighbor recognized for helping rescue man from burning home
- Dec 10:
- Bellflower woman accused of killing her father may be tried this month
- Oct 31:
- Bellflower: Donate Halloween candy for the troops at dentists' offices
- Oct 17:
- Body of Long Beach man found in Bellflower motel room under investigation
- Sep 2:
- Man stabbed to death in Bellflower identified
- Aug 27:
- Fatal shooting victim is ID'd as Bellflower man
- Aug 23:
- Sheriff's deputies plan Friday night checkpoints in Norwalk and Bellflower
- Aug 15:
- Bellflower will see decrease in water bills
- Aug 12:
- 85-year-old man rescued from Bellflower house fire
- Aug 8:
- Bellflower among cities reducing its homeless rate thanks to initiative
- Jul 22:
- Bellflower man's cancer battle extends from himself to thousands of others
- Jul 13:
- `X Files' creator Chris Carter coming home to Bellflower
- Jul 9:
- Bellflower trash pickup fee could rise
- Jul 3:
- Bellflower City Council seat to stay open until March special election
- Jun 28:
- El Monte Man sentenced to life for attempted murder of Bellflower woman
- Jun 27:
- Bellflower's Johnson Jewelers to close its doors after 58 years
- Dec 29:
- Bellflower suspect in critical condition after gun battle with deputies
BELLFLOWER - Family and friends remembered Tony Louis Francis, who was fatally shot by a sheriff's deputy Friday afternoon, as an "innocent," "kind, thoughtful and sweet man" Tuesday night during a candlelight vigil.
Many of about 100 people gathered at Flora Vista and Alondra Boulevard lit candles and placed them at a makeshift memorial there. The location was across the street from the site where the 25-year-old Long Beach resident was shot.
Some people also held signs reading "Justice For Tony" and "RIP Tony Francis."
"Tony was an innocent man," said his mother, Tracy Davenport, 46. "All these things they are saying are lies."
The Los Angeles County Sheriff's Department said a Bellflower deputy assigned to the Lakewood Sheriff's Station witnessed Francis punch a man several times in the face, rob him and then flee the scene at 2:10 p.m. Friday near the intersection.
As the deputy pulled up, Francis fled, and the deputy followed Francis in a patrol car into a nearby driveway, said Deputy Kim Manatt of Sheriff's Headquarters.
The deputy crashed his patrol car into a cinder block wall at the driveway's end as Francis stood on a raised platform to the left of the patrol car, Manatt said.
The deputy confronted Francis, and, at some point, while still sitting in the driver's seat, shot him, Manatt said.
City News Service reported that the Sheriff's Department said Francis reached for his waistband
Francis family members dispute that account. They said no robbery ever took place and no items taken in the alleged robbery were found on Francis' body.
Family spokesman Eddie Jones said Francis was shot three times - in the back of his head, the back of one of his legs and in his back.
The Los Angeles County Coroner's Office couldn't be reached for comment Tuesday night to confirm this.
The Sherriff's Department hasn't
Francis' sister, Harvesha Knight, 27, said her brother was a "kind, thoughtful and sweet man."
"He wasn't a violent person," she said.
The Francis family plans to hold a march 6 p.m. Friday. It will begin at the corner of Clark Avenue and Alondra Boulevard.
email@example.com, 562-714-2098, twitter.com/zonkelpt


text: This approach lets the payday loan borrower ask friends and family for a loan without the pressure and obligation of being contacted directly. You would still need, in some way, to provide proof that you read more could actually pay. Applying to various payday loan sites could create suspicion to the lender payday loans and this could make the approval process unnecessarily burdening.


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One of the greatest guitarist of all time, and certainly among the most prolific, Eric Clapton is a living legend. From his origins in the London blues scene of the early 60s, to his meteoric rise to international stardom and his surprisingly productive later years, Clapton's career has offered up some of the most memorable music of the past century.
When Clapton and his band take to the stage at the Chesapeake Energy Arena in OKC on Wed. March 20th, fans can expect to be in for a treat: an epic performance that delivers both hits and hidden gems from a catalog spanning nearly five decades. This performance will mark the fifth show in his short 2013 US tour that culminates in the Crossroads Guitar Festival at New York's Madison Square Gardens.
"Slowhand"—as he is known by some—has assembled a first-rate band of decorated musicians for this tour including some of his long-time collaborators like guitarist Doyle Bramhall and Grammy-winning drummer Steve Jordan. Clapton will also be joined by special guests the Wallflowers, fronted by Jakob Dylan (son of Bob).
Fans attending the 2013 shows are sure to hear some cuts off of Clapton's forthcoming record, Old Sock, a collection of covers, originals, and blues standards that show the 67-year-old rocker in fine form. Sadly, however, this tour might be the last time anyone will be lucky enough to see Slowhand pass through their city. He told reporters that he will stop turning after he turns 70.
Tickets are available now for what will surely be one of the most memorable Oklahoma City performances in recent rock history. If you're lucky enough to be in attendance, why not finish off your unforgettable evening with a comfortable stay at the BEST WESTERN PLUS Saddleback Inn and Conference Center, just 10 minutes from the arena. Meanwhile, here is a list of the 10 best Clapton songs (as if your excitement levels weren't high enough already!).
The AQHA World Championship Show will be held on November 3rd - November 17th, 2012 at the Oklahoma State Fairgrounds.
Again in 2012, the world's best American Quarter Horses meet in Oklahoma City for the chance to become a world champion and a share of more than $2.7 million in cash and awards. From halter to reining and jumping to trail, the Bank of America Amateur and FedEx Open AQHA World Championship Show is the event for those who love and appreciate the athletic ability and beauty of the American Quarter Horse. As in years past, the Best Western Saddleback Inn and Conference Center is the place to stay for this great annual event.


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JANE POWELL PAGE 3 ENTERTAINMENT PAGE 7 SPORTS BACK COVER Volume 63, Number 7 SUNY College of Technology at Farmingdale NOVEMBER 13, 1991 Flambler student Forum Leaves Students Frustrated by Michelle Kennedy On Monday, October 28,1991, at 6 PM, students assembled in the Multi-Purpose Room in Roosevelt Hall to open communications between students and administrators about students' concerns about the campus. Student Government provided this forum to provide students with answers to questions relating to issues such as campus lighting, campus safety, residence hall conditions, and campus food service, but the outcome of the forum was unsatisfactory to many students. According to Mr. La Rosa, Vice President for Administration and Finance, and Dr. Cipriani, President of SUNY Farmingdale, 54 job positions and $2.5 million have been lost in the past 2 years. These cutbacks have no ties to tuition and fee increases; tuition is controlled by the state. Dr. Cipriani, President of SUNY Farmingdale, clarified that the money generated from the students' tuition goes into a central fund, and pays the bills of the state. A state university does not keep the tuition it takes in, unlike a community college which keeps the funds received through tuition. He added that the first priority of the administration is academic programming, and justified the disintegration of four academic programs because it prevented the dilution of other programs. When asked specifically what was the rationale for dropping the Mortuary Science curriculum, Dr. Cipriani answered that the restricted budget called for cutbacks, and dropping this curriculum would not hurt the students or faculty. Mr. Zanenka, Director of Physical Plant, responded to a freshman student who asked why the hot water problem in Nassau Hall was not corrected, by explaining the plumbing systems of Nassau and Suffolk Hall. The problem is that the water temperature in Nassau Hall showers is 102 degrees Fahrenheit, a health concem since 110 degrees causes bums. Zanenka told the student that the plumbing had deteriorated, and was no longer workable. "The anti-scalding devices do not work." The students responded with a roar of laughter when Dr. Taube said,"Basically and statistically, the campus is safe." According to Dr. Taube, the statistics over a 10 year period show that the reported crime rate has remained the same. He claimed that the campus is well lit and safe. He also stated that there is increased lighting in front of Suffolk Honors Dorm. T h e lighting problem is due to the erosion of ground wiring. The reasons given for the problem not being rectified is the lack of funds due to budget cuts and the fact that only one electrician and one helper are responsible for 71 buildings. Sodium lights were put on the resident halls to protect students as well as they can. The Student Security Aides program has also been introduced to the campus to improve the safety of residence students. Blue boxes have been installed for emergency use on campus. Jackie Williams, Seargent at Arms of the Student Security Aides (SSA), said that there are problems with safety, and campus police does not respond effectively; they need more help. "You all seem to find money when necessary, [why don't you see what] you can find within the budget," she said. Knowing that a gun was found in the Multi-Purpose Room after a student function last year, Jason Blidgeon, student at Farmingdale, asked why body searches and metal detectors are not permitted at campus functions. The response was that frisking is an infringement of people's rights, although according to Blidgeon, SUNY Old Westbury and SUNY Stonybrook follow these procedures at their campus events. "What is an unarmed officer supposed to do if he finds a weapon?" Walter Schnell, head of campus police then responded defensively. Students became very agitated at this point, and the topic was quickly changed. This was a common response to any type of friction between students and panelists. Joe Puccio, Editor of the Rambler student newspaper expressed his frustration to the panel when only two questions were allowed in reference to the budget. Other students also felt discouraged by the panel when they were prevented from asking questions when the moderator, Alice Mathis, Director of Student Activities, told them they were out of time, and they were even more agitated when the questions they did ask were not answered. "Why are the students required to be on a meal plan, when the food is unhealthy and unsanitary?" Derek Thomas Alumni, a student, asked the panel. Dr. Taube denied that the food is unhealthy or unsanitary. He stated that the food is inspected, healthy and varied. The student reiterated that there was peanut butter at the salad bar and had remained there for an entire month. The administration did not deny this, they only repeated that the food is inspected and fulfills specifications of food quality. Other students also felt that the meal plan should be optional for different reasons. Some students are not served meals because there are specific times that resident smdents can eat Dinner hours are technically until 6:30 PM, but many students are not served because the food is put away before 6:15. A lack of variety of food served, and the fact that leftovers are served was also a concem of students. Dirty silverware and a lack of cutlery was also brought to the attention of administrators. There was no motive given for the requirement of a meal plan being mandatory for resident students. The panelists only stated that other universities also require meal plans for residents. In response to the silverware problem, Ms. Allison, Auxiliary Service Corporation Director of Operations said, "What I promise to do [is address this issue]." The forum started out with a substantial amount of people in the audience, but ended with few remaining. Many people left after the first few responses, labeling the forum a farce. More than one student stood at the podium and addressed the panel to state that they were unhappy with the administrators' responses. The only problem resolved by the forum was the opposition to canned ketchup and the foul aftertaste it leaves. Food service agreed to change the use of cans to the use of plastic packages.
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Title | The_Rambler_1991-11-13 |
Subject | Newspaper |
Description | The Rambler |
Creator | SUNY Farmingdale State College |
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Chrysler has decided to recall 2.7 million 1993 to 2004 Jeep Grand Cherokee and 2002 to...
Hyundai Genesis sedan loses an engine option, gains more tech for 2013
Hyundai is dropping the 4.6-liter V8 in the Genesis sedan lineup for 2013. The 5.0-liter V8 will continue in the R-Spec model, while the rest will get Hyundai's 3.8-liter V6.
Hyundai has also enhanced the optional eight-inch Driver Information System, which is now more intuitive, with a rotating joystick, better voice recognition and improved navigation-screen layouts. Hyundai says new "hot keys" will give drivers more control over the system to reduce distractions. The system also uses a 64-gigabyte, solid-state hard drive, which is more stable for holding music, images and videos.
The two remaining engines continue with the same output, 429 hp for the V8 and 333 hp for the V6. Rear-wheel drive and an eight-speed automatic transmission with paddle shifters are still your only option.
Upgraded models will get Hyundai's Blue Link telematics system, which combines safety, service and infotainment features like Eco-Coach, remote door unlock and automatic collision notification.
Hyundai hasn't released pricing yet, but last year's Hyundai Genesis with the 3.8-liter V6 cost $35,075 while the R-Spec stickered at $47,375 including destination. We expect the price of the 2013 models will be similar.
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by Adrienne Jacobs and filed in Candy, Desserts
A wannabe of a peanut butter cup, only way better for you, and way tastier! And no cooking required!
by specialtycake and filed in Candy, Desserts
Even simple Oreo cookies can be turned into decadent truffles.
by Kocinera and filed in Candy, Desserts
Halloween Chocolate Bark is a super easy way to use up all that extra Halloween candy … and it involves even more chocolate.
by specialtycake and filed in Candy, Desserts
Instead of making banana bread, use your overripe bananas to make these Banana Chocolate Truffles.
by The Messy Cook and filed in Candy, Desserts
Funfetti-covered white chocolate with a soft cake batter centre. These really taste like cake batter!
Nancy is the Coupon Clipping Cook, which means she not only has an astounding number of recipes to share with us (her TK recipe box is busting at the seams!) but she's also got loads of money-saving tips in her blog (she worked at a grocery store for a number of years, so she knows her stuff). She has some pretty amazing creations, like Roasted Garlic Potato Soup and Nutty Coconut Chicken. Go check them out!
Heather is a Texas native and the blogger behind Heather's Dish. She's mom to Weston, wife to Nate, and they live in Little Rock, Arkansas with their two "stubborn and saucy" dogs Bunker and Keira. In her blog, she shares her photographs, random musings (serious and silly alike), and all kinds of scrumptious recipes---and not just evil variations of her favorite mac and cheese. Her enviable TK recipe box is a testament to that. Go see for yourself!


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Antique Tin Cloth Blazer
An attractive, sturdy, comfortable men's blazer
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- Now available in Otter Green!
- Cuffs unbutton to roll up shirt sleeves easily.
- Interior hanging loop.
Field, Workwear, Casual
Product Care
Dry clean only.


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int(0) int(5)
The first shopping center to roll out the customer loyalty program based on the Britelayer platform is Alexandrium, Rotterdam The Netherlands.
View projectThe first shopping center to roll out the customer loyalty program based on the Britelayer platform is Alexandrium, Rotterdam The Netherlands. Elements Interactive developed both the Britelayer platform and the 'UP Alexandrium' branded mobile apps and kiosk.
'Up Alexandrium' is a unique customer loyalty program which enables Alexandrium Shopping Center to reward their loyal customers. Each customer can save 'Up's' with every purchase within Alexandrium, but they can also obtain them with each visit to the shopping center or even by sharing their experiences on Social Media as Facebook and Twitter.
The more Up's you save, the more fun, extra services and special offers you can get! Saving Up's can be done in two different ways; with your loyalty card or with the mobile app.
The Up's can be exchanged for special promotions and offers (so called Up-actions). These can vary from a special offer from a store to entrance tickets for a museum, amusement park or even a gym session with a personal trainer.
Visit the website Available on the app store Available on Google PlayIn coop with Corio, Elements Interactive developed the Britelayer platform.
View projectIn coop with Corio, Elements Interactive developed the Britelayer platform. Britelayer provides shopping centre managers with a suite of tools that can be used together, or separately, in order to dive deeper into world of customer engagement. There are tools for customer intelligence, behaviour analysis, communication and social media interaction – all with various outlets for real time customer engagement – on the web, on the smart phone, and in the shopping centres itself. With these tools Britelayer can be a platform to facilitate the Favourite Meeting Places concept.
Britelayer offers mobile applications for android and Iphone and a mobile website with social media resources, self-service touch screens with RFID and barcode scanners, games, video walls and content management systems; all easily linked through one intelligent database. Shopping centres can start with a simple smart phone app and then grow, as your business needs to grow, to include social media integration, fidelity mechanics and dynamics, gamification, video wall and kiosk communications, rewards for social sharing and location based services.
Visit the websiteWe're more than proud to present the Windows 8 news app for NU.nl.
View projectWe're more than proud to present the Windows 8 news app for NU.nl. Nu.nl is the dutch news site with the largest audience in the Netherlands. It serves over 5,3 miljoen visitors making appr 1 billion (!!!!) pageviews a month. We've developed the Windows 8 style app with a wide range of news articles, enriched with full screen video's, slideshows and related news suggestions. The app supports features as live tiles, semantic zoom, snap view, news filters and read later.
The app is build in close collaboration with our friends @ Resoluut, Sanoma and Microsoft. Great work guys!!!
Available on the Windows StoreIn a perfect coop with the Sanoma development team, we delivered a brand new mobile website for NuSport.
View projectIn a perfect coop with the Sanoma development team, we delivered a brand new mobile website for NuSport.
This responsive website reports on the latest sports news, live scores of top-class competitions from home and abroad 24 hours a day, 7 days a week.
The site will adapt optimal to the capabilities of the mobile devices. Low end devices will get a simple easy to browse website, while high end devices will get the full blown experience.
Visit the websiteThe 6th season of one of the most popular TV shows in the Netherlands, "Boer Zoekt Vrouw", has started.
View projectThe 6th season of one of the most popular TV shows in the Netherlands, "Boer Zoekt Vrouw", has started. In may 2012 the farmers were presented in the kick off show for this season. This show was watched by 3.5 million viewers. In a close and fruitful cooperation with the production team we designed and developed the apps for Android and iPhone.
The apps are pretty and simple and deliver video items, additional information on the farmers and a Live Tab with additional information which is published during the TV shows. In release 2 we will add additional functionality.
Go and download yours!
Available on the App Store Available on Google Play


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EMCC claims runner-up team honors at NJCAA Region 23 Golf Championship |
STARKVILLE – The host East Mississippi Lions made a 14-stroke improvement during Tuesday's final round at the Mississippi State University Golf Course to claim team runner-up honors at the 2009 NJCAA Region 23 Golf Championship. Trailing 2009 MACJC state champion Copiah-Lincoln by two strokes heading into final-round action, head coach Dale Peay's EMCC squad carded a 305 Tuesday to finish a dozen strokes ahead of Co-Lin (624-636). Firing team scores of 304 and 302, Mississippi Gulf Coast successfully defended its NJCAA Region 23 team title with this week's 18-stroke victory over the host Lions. The Bulldogs will represent Region 23 at the 2009 NJCAA National Championship, May 19-22, at Goose Pond Colony Golf Course in Scottsboro, Ala. EMCC sophomore Hal Larkin, an MACJC All-State Second Team member, tied for the best round of the day by firing a 1-over-par 73 to claim one of the five individual qualifying spots for the upcoming NJCAA National Championship. The Caledonia High School product tied for fifth with a two-day total of 152 (79-73), but lost in a playoff with Co-Lin's Ryan Ratcliff to decide the fifth member of the 2009 NJCAA All-Region 23 Team. MGCCC's Richie Williams fired rounds of 72 and 74 to beat teammate Corey Ward (75-73—148) by two shots for individual medalist honors. Hinds' Elliott Bingham (71-78) and Gulf Coast's Nic Ishee (74-75) tied for third place with 149 totals. Williams, Ward and Ishee of Gulf Coast were joined on the 2009 NJCAA All-Region 23 Team by Bingham and Ratcliff. Rounding out the team finishers at the par-72, 6,888-yard MSU layout were Northeast Mississippi (327-310—637) and Hinds (322-316) in fourth and fifth place, respectively. Joining EMCC's Larkin as individual qualifiers from Region 23 for next month's NJCAA National Championship were Bingham, Ratcliff, Northeast Mississippi's Blake Hatfield (81-74—155) and Grant Goforth of Northwest Mississippi (76-80—156). Mississippi Gulf Coast's Tommy Snell was named 2009 NJCAA Region 23 Coach of the Year. East Mississippi freshmen Jordan Jamar of Bossier City, La. (80-77) and Will Black of Calhoun City (82-75) tied for ninth place with scores of 157. Rounding out the Lions' regional scorecard this week in Starkville were Brandon's Garrett Alford (78-80—158) and Trey Adams of Belmont (85-86—171). |
Last Updated ( Wednesday, 29 April 2009 ) |
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Large businesses looking for cheap energy deals may like to consider a Combined Heat and Power (CHP) solution, as this is said to offer a number of benefits.
Business energy users looking to get cheap electricity need to take steps to improve their efficiency in order to save money.
Smaller business energy users may find there are a range of measures they can take to ensure they are able to secure cheap electricity supplies.


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$1000 Gift Certificate for Lando Lighting
Lando Lighting Galleries is a family owned and operated business serving Ontario residents for over 30 years.
Brian and Paul Whitelaw invite you to view their newly decorated lighting showroom, now Canada's largest, during Lando's 30th Anniversary Celebration.
Located in the heart of Brampton, Lando's selection is the best in Canada.
PAYMENT INSTRUCTIONSThe purchase price, plus any applicable taxes, will be processed within 48 hours of auction close on the credit card provided. If your successful bid amount is greater than $5000.00, an auction representative will contact you by telephone to confirm method of payment. AUCTION FULFILLMENTGift certificates will be mailed out to winning bidders following credit card approval. For winning bidders of actual product(s), starauctions will mail a certificate with appropriate pick-up instructions and contact information following credit card approval. NO REFUNDS OR EXCHANGES 90 DAYS AFTER PURCHASE DATE.
Meal Plan A: Healthy Home Delivered Meals 1,150 calories/day consisting of 3 regular meals 6 days a week for 30 days. Opening bid $380. Our diet delivery program provides freshly prepared, heart healthy, delicious meals that are low in saturated fat and sodium. With a selection of over 275 meals, Healthy Heart Meals offers an easy and enjoyable way of attaining and maintaining a heart healthy weight and lifestyle.


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Little Boys' Beach Cargo Board Shorts
Item # 411062-7K6
Best on the beach (or pool, or lake).
- UPF 50 protection for excellent sun protection
- 100% polyester fabric dries in a flash
- External drawstring ties in a great fit
- Comfy mesh liner
- Knee-length cut for good coverage
- Cargo pockets with grommets to drain easily
- Full-elastic waist
- Tots 2T, 3T, 4T
- Little Boy S 4, M 5-6, L 7
- Boy S 8, M 10-12, L 14-16, XL 18-20
Built with lightweight, soft fabrics for all-day comfort, these cargo trunks can take on a summer of cannonballs, swim lessons, and boogie-boarding, then come back for more. Plus, they pack UPF 50 sun protection and dry in a flash. Machine wash. Imported.


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Northern California teacher arrested for allegedly having sex with former student
Published: Thursday, January 17, 2013 at 2:20 p.m.
Last Modified: Thursday, January 17, 2013 at 2:20 p.m.
AUBURN — Authorities say a teacher in Northern California is facing charges for having an inappropriate sexual relationship with a former student.
The Placer County Sheriff's Department said Thursday that 35-year-old Jennifer Lynn Woods was arrested on Jan. 10 stemming from an apparent year-long relationship that happened while the boy was 16 and 17.
Woods was released from the county jail after posting $100,000 bail on the same day of her arrest. She is scheduled to make her first appearance in court on Feb. 4.
Authorities say that the boy was a former student of Woods. He has since transferred to another school.
Woods, who lives in Granite Bay, is listed on the Placer County Office of Education's website as being an employee with the district's Emotionally Disturbed Program.
Calls placed to Woods on Thursday were not immediately returned.
All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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Author: Lionel Shriver
Lionel Shriver's novels include the National Book Award finalist So Much for That, the New York Times bestseller The Post-Birthday World, and the international bestseller We Need to Talk About Kevin. Her journalism has appeared in the Guardian, the New York Times, the Wall Street Journal, and many other publications. She lives in London and Brooklyn, New York.
"[Shriver's] whip-smart observations--about relationships, the role of the media, the cult of personality are funny and on the mark." - People
"In her latest novel, Lionel Shriver pays homage to Joseph Conrad--examining terrorism, media bloodlust, and the cult of personality through an unexpected lens of satire." - Marie Claire, Four New Page-Turners to Keep Bedside
"A very funny book, but the laughs are embedded in a deeply disturbing subject." - NPR, "Weekend Edition"
"Shriver is cursed with knowing the human animal all too well. The New Republic is satire of a Shriver kind, that is to say biting." - Miami Herald
"Lionel Shriver, the author of the harrowing and patient We Need to Talk About Kevin, delivers something altogether different: a callous and romping political and journalistic satire." - The Daily Beast-- This Week's Hot Reads
"Shriver is one of the sharpest talents around." - USA Today
"Witty, caustic and worldly, [Shriver] is a raconteur who could show even Barrington Saddler a thing or two about entertaining a crowd." - Wall Street Journal
"Shriver has been a National Book Award finalist with good reason: Her page-turners examine serious issues." - Reader's Digest Recommends
"A wondrously fanciful plot, vividly drawn characters, clever and cynical dialogue, and a comically brilliant and verisimilar imagined land. . . . The New Republic is simply terrific." - Booklist (starred review)
"The dialogue zings and the writing is jazzy. . . . [Shriver] can toss off a sharp sketch of a passing character in a phrase, and she's got a gimlet eye for what's phony, or affected, or even touchingly vain in human behavior." - Entertainment Weekly
"Shriver is an incisive social satirist with a clear grip on the ironies of our contemporary age . . . [Her] take on journalism and international politics is wry, insightful and just over the top enough to be fun." - Los Angeles Times
"[Shriver] is uncannily perceptive[with a] vigorous capacity for compassion . . . [A] surprisingly tender novel disguised as a clever satire delivered in polished prose." - Philadelphia Inquirer
"Part Scoop, part Our Man in Havana and part Len Deighton thriller, Shriver's novel is not just about terrorism but also about journalism and the nature of charisma. . . . Shriver's Barba is a wonderful creation." - Financial Times


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Located in North San Diego County, the MBA Program at California State University San Marcos was established in 1995. It is responsive to the requirements for successful managerial performance by providing the best in management education to those whose careers are in both public and private sectors.
The objective of our MBA Program is to provide our graduates with the skills and knowledge essential for management and leadership in 21st century organizations. We use a variety of pedagogical techniques in the classroom to facilitate learning. Our curriculum integrates traditional business disciplines and recognizes the importance of both theory and practice.
Our program emphasizes skills and values that are essential to effective leadership:
- Ethics
- Communication
- Teamwork
- Global and Environmentally Conscious Viewpoint
- Use of Technology
- Problem Recognition and Solving
- Negotiations with an Emphasis on Cross-Cultural Negotiations
When you explore what our program has to offer, you will see the exciting ways that we can help you reach your career goals.


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2 Meetup Groups match "Lightroom" near Marietta, GA
The Southeastern Photographic Society (SPS) was formed to help its members learn the skills for capturing great images and sharing them with others. The society has been serving the photographic community since 1976, now with well over 200 members. Each month SPS hosts a competition and lecture/presentation on the first Friday. Competition themes vary each month with the goal being to encourage members to shoot outside their "comfort zone". On the 4th Tuesday of the month SPS hosts their popul …
There are no upcoming Meetups.
This group is the organizational hub for a community of people passionate about photography and wanting to take their art to new heights. Our goal with F/2 is to create opportunities where local experts can share their passion and expertise about photography, both in the field and in the classroom, and help you become the best photographer, the best artist, you can be while having a lot of fun along the way!
Get an alert email when new Meetup Groups like this start near you.
You'll get advice, help finding members, and tools to make running a Meetup Group easier.


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Learn more about incredible deals to the U.S. Virgin Islands
Say "I do" in one of the most romantic spots in the world.
Plan your next meeting in the U.S. Virgin Islands
The My Virgin Islands app makes it easy to plan your trip to paradise. Find hotels, restaurants, and more.
Learn More About Our My USVI AppSeven Blue Flag beaches and marinas of our USVI beaches have been awarded this eco-label which recognizes a sound commitment to the environment.
Learn More About Blue Flag Certification


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Get on the list for product trends, coupons and special offers.
Feel the waves crashing in this fabulous bathing suit! Bandeau top with super soft molded cups and incorporated push up to give your bust exceptional cleavage. Top gathers in center for a stunning design under the sun. Tanga bottom sits seductively on your hips for a delicate touch of sexiness.
To avoid altered measurements, use an unpadded or lightly lined bra that fits well to wear as you take your measurements.


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The first live results show of American Idol revealed the Top 10 finalists, including Lazaro Arbos, Janelle Arthur, Curtis Finch, Jr., Candice Glover, Kree Harrison, Amber Holcomb, Paul Jolley, Angie Miller, Burnell Taylor and Devin Velez.
In addition, host Ryan Seacrest announced an exciting new opportunity for fans to choose an 11th Idol to go on the "American Idol Live!" tour this summer, brought to you by AT&T. Next week, American Idol will hold a sing-off between the sixth-place runner-up girl and guy for that coveted spot. This season, AT&T is giving the audience brand-new ways to be involved with the show.
Next week, Wednesday, March 13 (8:00-10:00 PM ET live/PT tape-delayed), the Top 10 finalists will perform "Music of the American Idols," which includes songs performed by any past Idol winner.
The following night, Thursday, March 14 (8:00-9:00 PM ET live/PT tape-delayed), as America finds out who received enough votes to continue in the competition and who will be sent home.
I spoke with finalist Amber Holcomb at the Top 10 finalists party. Click on the video link to see what she had to say.
For more information on Amber: Facebook: www.facebook.com/AmberAI12
Twitter: @AmberAI12
For more information on American Idol: www.americanidol.com
Check back to this page for more interviews with the American Idol Season 12 Top 10
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