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Decisions adopted by the Committee at its twelfth session : . 19/05/95.
E/1996/22,paras.345-368. (Decision)
Convention Abbreviation: CESCR
A. Decisions adopted by the Committee at its twelfth session
Follow-up to recommendations of the Commission on Human Rights
1. Seminar with the international financial institutions
345. In 1992, the recommendations contained in the final report of the Special Rapporteur of the Sub-Commission on Prevention of Discrimination and Protection of Minorities on the realization of economic, social and cultural rights emphasized the importance of involving the World Bank and IMF in discussions in relation to the promotion of those rights (E/CN.4/Sub.2/1992/16, para. 238). This proposal was taken up by the Sub-Commission in its resolution 1992/29 (para. 11 (c)). Subsequently, the Commission on Human Rights, in its resolution 1993/14 (para. 18), requested the Secretary-General "to invite the international financial institutions to consider the possibility of organizing an expert seminar on the role of the financial institutions in the realization of economic, social and cultural rights". At its ninth session, in 1993, the Committee on Economic, Social and Cultural Rights endorsed this proposal "in very strong terms" and urged "that every effort should be made to organize such a seminar" (E/1994/23-E/C.12/1993/19, p. 78, para. 388).
346. Correspondence ensued between the Centre for Human Rights and the World Bank in which the latter expressed its willingness to assist in that endeavour. Since that time, despite the adoption of two further resolutions by the Commission (resolution 1994/20, para. 17, and resolution 1995/15, para. 17), nothing has eventuated.
347. The Committee deeply regrets the continuing and unacceptable delays involved and calls upon the United Nations High Commissioner for Human Rights and the Assistant Secretary-General for Human Rights to take immediate action to give effect to the repeated recommendations of the Commission. The Committee believes that it would be entirely appropriate for such a seminar to be held, on the basis of expert participation from the concerned bodies, and for subsequent consideration to be given to the holding of a public seminar.
2. Seminars on indicators for economic, social and cultural rights
348. The Committee also notes that one of the very few specific recommendations relating to economic, social and cultural rights endorsed by the World Conference on Human Rights concerned the importance of using indicators as a means of measuring or assessing progress in the realization of human rights. Pursuant to this endorsement, the Commission on Human Rights recommended that "the Centre for Human Rights convene expert seminars for chairpersons of the human rights treaty-monitoring bodies and representatives of specialized agencies and non-governmental organizations, as well as representatives of States, focused on specific economic, social and cultural rights, with a view to clarifying the particular content of these rights" (resolution 1994/20, para. 9). Despite this request, no such seminars were held in the course of 1994. The Commission therefore reiterated its recommendation in its resolution 1995/15 (para. 9). The Committee has not been consulted in any way in relation to this initiative and, as far as can be ascertained, the Centre for Human Rights has still not undertaken the organization of even one such seminar.
349. In view of the extraordinarily limited resources devoted by the Centre for Human Rights to the only body dealing expressly with economic, social and cultural rights within the entire United Nations system, the Committee calls upon the Centre to take immediate steps to rectify this situation and requests the Assistant Secretary-General for Human Rights to report to the Committee at its thirteenth session as to the arrangements that have been made.
Staffing for the Committee
350. The Committee on Economic, Social and Cultural Rights has for the past several years sought to draw attention to the fact that there is not a single specialist in these rights within the Centre for Human Rights. As a result, the Committee has been unable to call upon any specialist expertise for any of its many research and related needs. It considers this situation to be a negation of the oft-proclaimed equality of the two sets of rights and calls upon the Secretary-General to take urgent measures designed to ensure the availability of, at the very least, a minimal amount of expert assistance to the Committee.
Office facilities for members of the treaty bodies
351. For the past seven years the Committee, as well as the regular biennial meetings of persons chairing the human rights treaty bodies, have persistently called for both the establishment of a resource and documentation facility and the provision of an office for use by members of the treaty bodies when their committees are in session in Geneva. The Committee is delighted to note that some progress has been promised in relation to the former proposal. It regrets, however, that successive heads of the Centre for Human Rights have made no attempt to provide any facilities whatsoever for the members of the treaty bodies. The result is that there is no place to leave voluminous and often confidential or private papers except in the conference rooms, which remain entirely open to the public. There is no place to leave equipment such as laptop computers, and no place to obtain access to a computer or a printer. There is not even a place where expert members may obtain access to copies of the Committee's own past documentation.
352. The situation could be remedied by setting aside a single office, with several lockable desks in it, a computer and a printer, and some basic documentation for use by the 97 members of the various treaty bodies when they are in Geneva. While the Committee recognizes the shortage of office space available to the Centre, it does not accept the implied position of the Centre that the treaty bodies can be given no access whatsoever to even the most basic facilities. The Committee calls upon the Centre to reconsider this matter urgently.
Fourth World Conference on Women: Action for Equality, Development and Peace (Beijing, 1995) and United Nations Conference on Human Settlements (Habitat II) (Istanbul, 1996)
353. The Committee emphasizes the importance which it attaches to the Fourth World Conference on Women: Action for Equality, Development and Peace. For this reason it appointed a drafting group during its twelfth session which was responsible for the preparation of a statement for the Committee to consider sending to the Conference as an official document both of the Committee and of the Conference. The group consisted of Mrs. Virginia Bonoan-Dandan, Mrs. María de los Angeles Jiménez Butragueño and Mr. Juan Alvarez Vita. The statement, as revised, was adopted by the Committee and is contained in annex VI to the present report. In view of the importance of the Conference and the central relevance of the International Covenant on Economic, Social and Cultural Rights to its work, the Committee believes that it is essential that it be represented at the Conference by its Rapporteur, Mrs. Bonoan-Dandan, as well as by Mrs. Jiménez Butragueño. It asks the Secretariat to make all the necessary arrangements to facilitate their attendance.
354. The Committee also takes note of the United Nations Conference on Human Settlements (Habitat II), to be held in June 1996. It decided to request one of its members, Mr. Philippe Texier, to draft a statement to be adopted by the Committee at its thirteenth session with a view to its being transmitted to the meeting of the Preparatory Committee, as well as to the Conference itself. The statement will, in particular, emphasize the importance which the Committee attaches to full implementation of the right to adequate housing, which is recognized in a wide range of international instruments including the Universal Declaration of Human Rights and the International Covenant on Economic, Social and Cultural Rights. It will also note the importance of ensuring that the general policy framework for the Conference takes full account of the importance of that human right.
Draft optional protocol
355. The Committee held a brief discussion on this issue at its twelfth session and agreed to request Mr. Philip Alston to submit a revised report to it at its thirteenth session. The report should reflect the discussions held at the Committee's eleventh and twelfth sessions and provide the basis on which the Committee could complete its consideration of this matter, with a view to forwarding a final report to the Commission on Human Rights at its fifty-second session.
Day of general discussion
356. The Committee decided that, in view of the time pressures to which it would be subject at its thirteenth session, it would devote its day of general discussion to the adoption of its report on a draft optional protocol. In order to ensure the availability of as much time as possible for this purpose, the Committee decided that participation by non-members of the Committee should be extremely limited.
Draft general comment
357. The Committee continued its examination of a draft general comment on the economic, social and cultural rights of older persons. It adopted paragraphs 1 to 20, as revised, on first reading. The Committee decided to continue its examination of the draft at its thirteenth session and to make a particular effort to complete its adoption at that time. It requested various of its members to examine the draft in relation to specific articles of the Covenant and to forward their observations as soon as possible to Mrs. Jiménez Butragueño, in order to enable her to present a revised draft to the Committee at its thirteenth session.
358. The Committee noted that Mr. B. Simma had undertaken to prepare the first draft of a general comment on the application of the Covenant in domestic law and that Mr. P. Alston would prepare a draft general comment on the right to health.
359. The Committee attached particular importance to the need to publicize its work and to undertake public information initiatives designed to improve understanding of the Covenant and the Committee's role in relation to it. The Committee recalled that it had requested more than two years earlier that the Fact Sheet on economic, social and cultural rights, which it considered to be superficial and unhelpful, should be thoroughly revised and reissued. It noted with regret that no progress had been made in that regard and, once again, called upon the Centre for Human Rights to take the necessary measures as soon as possible.
360. Representatives of the Committee held a very constructive meeting during its twelfth session with Ms. Thérèse Gastaut, Director of the Information Service at the United Nations Office at Geneva, in relation to the Committee's request that a video be prepared which would provide an illustration of the way in which the Committee fulfils its principal role of considering the reports of States parties. The Committee was informed that the proposal, made in December 1994, had reached the Department of Public Information too late to be included in the 1996-1997 programme budget for the Department. The Director indicated, however, that existing resources would permit the work of the Committee to be featured in "World Chronicle", a regularly produced 30-minute television programme, and in "UN in Action", a three-minute feature produced weekly. It was agreed that full advantage should be taken of these opportunities. In addition, it was agreed that a brief video, of perhaps five minutes' duration, could be prepared during the course of 1995 from within existing resources. This would draw on available archival material and some filming of the Committee's session in November-December 1995. The Committee expresses its appreciation for these very helpful responses to its request.
361. It was also agreed that, in future, a press release containing some background information on the Committee and an indication of the main issues to be dealt with in relation to a specific country report would be issued by the United Nations Information Centre in the reporting country at least one month before the report was to be examined by the Committee. A copy of the report would be made available at the same time to the information centre in question and the summary records relating to the consideration of the report would be provided subsequently.
Access to specialized expertise
362. The Committee also decided that it would renew its request to the Economic and Social Council for an allocation in the amount of $10,000 annually, within the overall budget of the Centre for Human Rights, to enable the Committee to bring in specialists to participate in its days of general discussion and to commission papers dealing with those technical dimensions of its work which required expert elaboration. Such funds would not be spent on members of the Committee and would be committed only with the approval of the head of the Centre for Human Rights. The Committee believed that such an allocation would enable it to operate more efficiently and to undertake more work towards the elaboration of indicators, as recommended by both the Commission on Human Rights and the World Conference on Human Rights.
363. The Committee recalled that it had on several occasions in the past drawn attention to the fact that, while each member of other equivalent human rights treaty bodies received an honorarium, its members did not. It requested the Economic and Social Council to remedy this situation and for that purpose the Committee decided to include the issue in a draft decision to be proposed to the Council.
Twice-yearly sessions
364. The Committee noted that its workload in recent years had consistently required it to hold two sessions annually but that that had had to be approved on an exceptional basis on each occasion. It noted that no other committee (except the Committee on the Elimination of Discrimination against Women, which had proposed an amendment to the text of the Convention in question in order to increase the number of sessions held each year) was able to carry out its responsibilities in a single annual session. In view of the fact that it was clearly unable to discharge its responsibilities on the basis of a single annual session, the Committee requested the Economic and Social Council to authorize it to hold, on a regular basis, two sessions per year, each of three weeks' duration. It noted that it had scheduled its pre-sessional working group meetings to follow its sessions in order to conserve resources through the elimination of additional air fares. The Committee took note in that regard of the statement of financial implications provided by the secretariat.
Role of non-governmental organizations
365. The Committee reaffirmed the importance which it attached to the receipt of detailed and reliable information from non-governmental organizations. It noted that its own deliberations had been greatly assisted in those cases in which pertinent information had been available from domestic NGOs based in the reporting State. Conversely, the Committee regretted the lack of such information in other cases, particularly in relation to those countries in which there was a lively civil society but in which, for whatever reason, the relevant groups appeared to be unaware of the Committee's work. It noted that, for example, in recent consideration of reports submitted by Portugal, Sweden and the United Kingdom, no information had been provided to the Committee by domestic NGOs. For that reason, it requested its secretariat to make a greater effort to inform relevant NGO groups based in States whose reports were scheduled for consideration by the Committee. Such notification should be undertaken at the earliest possible moment on the basis of a letter from the Chairperson inviting NGOs to submit relevant information, preferably in time to be taken into account by the pre-sessional working group. The letter should be accompanied by a copy of the report of the State party, a copy of chapter III of the Committee's annual report outlining the procedures followed by the Committee, and any other pertinent information.
Consideration of the situation in non-reporting States parties
366. In accordance with its long-standing policy of requesting reports from States parties which ratified the Covenant many years ago and have failed to submit any reports, as required under the Covenant, the Committee decided to consider at its fourteenth session the situation in Guinea, which ratified in 1978 and whose initial report was due in 1980, and in Sri Lanka, which ratified in 1980 and whose initial report was due in 1982. The Committee expressed the hope that each of those States would be able to submit a report as soon as possible, but decided that it would, in the absence of any such report, proceed to a detailed examination of the situation in each State party on the basis of all available information.
Working methods
367. The Committee agreed that, despite the time pressures involved, it would consider at its thirteenth session reports from five States parties, namely Ukraine, Colombia, Norway, Mauritius and Algeria. It resolved to consider making use of sessional working groups for purposes yet to be determined.
368. In view of the importance of ensuring that the Committee followed up on all the specific recommendations it made, both those relating to its own work and those relating to the reports of States parties, the Committee requested its secretariat to provide it at each session with a document giving a brief indication of all outstanding requests of a specific nature to which responses had not been received.


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Give the gift of peace of mind this holiday season with the Stanley FatMax Professional Power Station. A jump starter, compressor, and power supply in one, this portable powerhouse is a must-have for anyone at home, on the road, or on the go.Mother Nature can be fickle, and you never know when an electrical outage will occur. With the Stanley FatMax Professional Power Station, you can plug in not one, but two appliances at once to help keep TVs, laptops, lamps, and more running in the event of a power failure. Take it along on camping trips and tailgates for a source of power wherever you need it, and use the bright LED area light as illumination in the dark.Talk about roadside assistance. Say your car needs a quick jump--just grab the included jumper cables and attach to your car battery for an instant boost. The 120 PSI Piston Driven Compressor has three separate nozzles and can inflate your tires in a pinch. You can even charge your cell phone with the available USB port or 12V DC power outlet. And, with its anti-roll design, you can be sure that the FatMax Professional Power Station won't cause a disturbance when driving. You'll even get a bonus extension cord and DC cord for convenient charging from an outlet or from your car. You never know when an emergency will happen. Be prepared with the Stanley FatMax Professional Power Station. In a world where we're so reliant on our electronic devices and safety is a top-priority, you can't afford to be without it!From Stanley.
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V32257 — Stanley FatMax Professional 1000 Peak Amp Power Station w 500W Inverter
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CL : Analysis & Opinions
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On HDNet
Original Aired On 10/05/2011
Episode: Maui
Small, oceanside bar and restaurant, serving Mediterranean, Pacific Rim and Latino inspired dishes. Try the award-winning mai tai
This is one of the best meals I have ever had - and that is saying A LOT. The seafood pasta special was so good that my husband and I fought over it...and then went back to eat it again later that week. The award winning Mai Tai is the best Mai Tai I have ever had and the Caramel Miranda dessert (beautiful fresh fruit with warm caramel sauce underneath topped with Mac Nut ice cream) was phenomenal. You also couldn't ask for a better location - right on the water...the spray from the waves actually kissed my feet and we watched sea turtles feed right beside our table. Heaven on earth.
Charming seaside restaurant! The Kobe beef burger with garlic aioli was amazing and the special edamame salsa was unforgettable. Eat at the bar for excellent service!
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Ahi Bruschetta - amazing!
You gotta get the wok fried whole fish!
Late afternoon lunch is the perfect time for a cocktail & you avoid the evening crowd. It's my favorite time of day to go to Mala.
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The caramel Miranda dessert is the best dessert on the island hands down!!!
Kobi burgers are amazing.
Ahi bruschetta is where it's at.
Amazing margaritas and great kobe beef burgers.


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This fact sheet provides basic details about the tiers and levels of UI benefits currently under discussion.
From: National Employment Law Center (10.20.10)
Extending unemployment benefits during recessions. State unemployment insurance (UI) programs typically offer up to 26 weeks of benefits to workers who lose their jobs involuntarily. Historically, whenever the national unemployment rate has increased substantially, Congress has enacted a program of federally funded benefits that extends the number of weeks available to workers who have not found new employment. There have been eight such federal extension programs since 1958.
Program Expires November 30th. The federal extension programs described below are scheduled to expire on November 30, 2010. Unless Congress acts, states will be forced to cut off unemployment benefits to more than a million workers per month throughout the coming winter. Yet after the elections, Congress doesn't return to session until November 15th, leaving only a limited window of time to continue the program before the Thanksgiving holiday. When authority for both these programs expired last June, it took Congress seven weeks to enact reauthorizing legislation. During those seven weeks, more than 2 million unemployed Americans and their families saw their unemployment benefits cut off.
Emergency Unemployment Compensation (EUC). The EUC program began in July 2008 when the national unemployment rate was 5.8 percent. The program originally provided 13 weeks of additional federal UI benefits, but as the recession deepened and the national unemployment rate rose dramatically, a series of legislative enactments in 2008 and 2009 (including the Recovery Act) increased the maximum number of weeks of EUC benefits. Today, the national unemployment rate is 9.6 percent and the EUC program provides 34 to 53 weeks of federally funded UI benefits. The program is divided into four tiers, which are available to states based on their unemployment rates:
Approximately 4.1 million unemployed workers are currently receiving EUC benefits.
Extended Benefits (EB). Thirty-five (35) states (as well as the District of Columbia and Puerto Rico) are currently operating a program known as Extended Benefits (EB) that provides an additional 13-20 weeks of UI benefits beyond the EUC program. Benefits under the EB program are normally funded 50/50 by the federal government and the state. However, restrictions under prior law had limited the number of states paying Extended Benefits in previous recessions. Under the Recovery Act, Congress authorized full federal funding of the EB program. When that authority expires on November 30th, most states will stop operating their EB programs. Approximately 1 million unemployed workers are currently receiving Extended Benefits.


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May 31, 2016
JACKSON, Miss. (AP) -- State Insurance Commissioner Mike Chaney says as Mississippi marks the 40th anniversary of Hurricane Camille this week, people should make sure they're prepared in case a similar disaster strikes again.
Chaney says homeowners need to review their insurance policies to see whether they have flood and windstorm coverage.
He says people should also review coverage limits on their homes and valuables. They should also determine whether a policy will pay replacement cost or actual cash value for losses and find out whether a policy will pay for additional living expenses to pay for hotels and meals in case a home becomes uninhabitable.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or email@example.com.


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The only one who witnessed your full-on make-out session with the random guy at the club was the Sanuk Women's Kiss and Tell Sandal. This chic slingback with cross lace and bow detail won't tell, but it insists that it must be worn on your next night out on the town. If you don't follow the terms of this lightweight and flexible sandal … well you don't want to know. But you shouldn't be too disappointed thanks to her ultra-soft, high-rebound EVA footbed which cushions every step you take.
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Have questions about this product?
Nice, Seem Comfortable, Pretty Basic
My spouse has been wearing her Sanuk Kiss & Tell sandals for several weeks now. Overall no major complaints, basic, simple, summer sandals.
Cute, but uncomfortable
These sandals are super cute, casual, and can match anything, but I found them to fit a little bit on the small side. I usually wear a Euro size 38, so I ordered a 7. I found them to be a little too narrower for my medium width foot, and the heel strap caused my toes to uncomfortably jam into the thong piece at the front of the sandal. This may be something that changes over time as the sandals breaks in, but in the mean time, no one wants to look like they had to cram their foot into the shoe to make it fit. I ended up returning them and trying a different shoe.
I just ordered these sandals, but I know with the other pair of Sanuks I own, I ran into the same issue. I love my Sanuks but they definitely don't run true to size, even among their own styles. I recommend ordering at least a half size larger than what you normally wear.


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Use the form below to search the Health Library.
Types of Child Car Seats
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Canada Safety Council http://www.safety-council.org
Health Canada http://www.hc-sc.gc.ca
American Academy of Pediatrics Updates Recommendation on Car Seats. American Academy of Pediatrics website. Available at: http://www.aap.org/en-us/about-the-aap/aap-press-room/Pages/AAP-Updates-Recommendation-on-Car-Seats.aspx. Updated March 21, 2011. Accessed November 13, 2014.
Anticipatory guidance (pediatric preventive care). EBSCO DynaMed website. Available at: http://www.ebscohost.com/dynamed. Updated October 24, 2014. Accessed November 12, 2014.
Car Safety Seats: Information for Families for 2012. Healthy Children—American Academy of Pediatrics website. Available at: http://www.healthychildren.org/English/safety-prevention/on-the-go/pages/Car-Safety-Seats-Information-for-Families.aspx. Updated February 21, 2014. Accessed November 13, 2014.


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Montina Cooper Biggest Loser Season 10 Finale Interview
Montina's finale interview with Coleen Skeabeck.
Montina Cooper was one of four potential contestants who competed for a spot on the ranch but didn't make it. That didn't stop her from losing the weight though. Montina lost 64 pounds, or 22.3% of her body weight, at home, on her own, in seven months. It's an accomplishment as impressive as her beautiful voice, which she samples for us in this interview with DietsInReview.com's Coleen Skeabeck.Flag this Video


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Refinance or Not?
Terri's Friend Asks: Is Now the Right Time To Trade in Our 'Piggyback' Mortgage?
When you write a personal-finance column, being hit up for advice by friends and colleagues comes with the territory. Recently, a colleague asked whether the time was right for his wife and him to refinance their mortgage. Mortgage rates have fallen since they purchased their first home and they wondered whether they might save some money -- and worry -- by refinancing.
Talk With Terri
Are you stuck in a piggyback mortgage or other type of creative home financing that you want -- or need -- to refinance? What led you to choose the financing you did? Join me and your fellow readers in an ongoing discussion about refinancing mortgages.
Normally, I would have simply directed him to our "Should you refinance?" tool, which calculates whether refinancing to a lower-rate loan makes financial sense once all the closing costs necessary to obtain the new loan are taken into account. But his situation is a bit more complicated. When he and his wife bought their home, they took out a so-called piggyback mortgage.
Piggyback mortgages, which stack a smaller home-equity loan or line of credit on top of a primary mortgage, became popular in the late 1990s. These mortgages were the first in a "creative financing" wave that made homes more affordable for homebuyers and helped to fuel the recent boom in the housing market. A piggyback loan is commonly designed as a primary mortgage that covers 80% of the home's cost, paired with a second loan that usually covers 10% to 20% of the remaining cost. (Anything left over is accounted for by the down payment.) Lenders have gotten much more creative with financing options so there are many varieties of piggybacks -- such as 75%/15%/10%, for instance.
The number of homeowners who use piggyback loans to buy their homes is growing: A Wall Street Journal Online/Harris Interactive poll found that 12% of homeowners had piggyback mortgages, up from 10% last year. Why divide up a loan in this way? To help homebuyers avoid paying private mortgage insurance, the pricey coverage lenders demand when homeowners need to borrow more than 80% of the value of a home with a primary mortgage. Typically, PMI costs 0.5% of the loan amount, or roughly $108 a month on a $250,000 mortgage. With a piggyback mortgage, a homeowner isn't borrowing enough with one single loan to trigger the need for PMI.
Besides the additional cost, my colleague says he was offended by the whole idea of PMI. "I have a good job, make a decent salary, have nearly zero debt and an excellent credit score," he said. "Yet, somehow, I am required to pay insurance against myself?"
My friend and his wife are interested in refinancing their fixed-rate piggyback loans to a single fixed-rate loan, both to benefit from today's lower mortgage rates and to ease their worry about the second loan. When they bought their four-bedroom, two-bath home in Middlesex, N.J., in May, they paid $328,000. (It was listed at $339,000.)
Still, a mortgage of more than $300,000 was a lot to swallow for a one-income family with three toddlers. To make the home more affordable, and to avoid paying PMI, they opted for a piggyback loan consisting of a $262,400 30-year, fixed-rate primary loan at 6.125% ($1,594 a month), and a $45,600 15-year, fixed-rate balloon mortgage at 8.875% ($363 a month until the end of the loan term). With a balloon mortgage, borrowers make monthly payments until the end of the loan's term, when the balance of the loan must be paid in full. Their down payment took care of the remaining $20,000.
My colleague and his wife can comfortably afford their combined monthly mortgage payment, which when you factor in property taxes and homeowners insurance comes to $2,522. And they both understood the terms of the loans when they took out their mortgages.
Still, my colleague worries about that balloon. "I'm interested in anything that would stop me from thinking about that 14-year, seven-month deadline," he says. He's also wondering whether they could save a little money by consolidating to one low, fixed-rate loan. The couple both have credit scores in the high 700s, which would likely qualify them for even lower rates.
Refinancing the outstanding balances of both loans to a 30-year fixed-rate $306,500 mortgage -- assuming today's rate of 5.875% for 30-year fixed-rate loans, no points -- would result in a monthly payment of $1,813. With taxes and insurance, that would bring their total monthly payment to $2,378.
So my colleague and his wife would save about $144 a month by refinancing. But let's factor in costs: Closing costs in New Jersey would run them an average of $3,158, according to this annual state-by-state survey by financial-information publisher Bankrate.com. That means it would take about 22 months just to break even on the refinancing. And by starting over with another 30-year fixed-rate loan, they'd eventually pay more in interest than if they stayed with their current loans. (That said, it's unlikely they'd hold the new loan for 30 years.)
My colleague could save a little more money by refinancing with an adjustable-rate loan, but doesn't want to risk the rate of an ARM zooming if mortgage rates go up. Given the current condition of the U.S. bond market, which determines most mortgage rates, ARMs with an initial fixed-rate term of five or seven years wouldn't offer a much lower rate, says George Hanzimanolis, president-elect of the National Association of Mortgage Brokers. (He suggests they stick with a fixed-rate loan.)
Another thing my colleague should consider is how long he and his wife intend to live in the home. If it's likely they'll move in less than seven years, it probably doesn't make sense to refinance, since closing costs will eat up much of their upfront savings. The couple does hope to move to a bigger place for their family, so that's a strike against refinancing.
An additional complication: the state of their local housing market. Home prices have been falling in many regions of the country. Homeowners who borrowed with piggyback mortgages may find that even a small drop in home prices wipes out the equity they've built up in their home, says David Wyss, chief economist at Standard & Poor's in New York. For example, if my colleague and his wife found their $328,000 home was appraised at $300,000, the unpaid principal on their loan would be worth more than their property -- making refinancing difficult and costly, if not impossible.
Tom Martin, president of America's Watchdog, a consumer-advocacy group in Washington, D.C., says lenders are being very cautious right now due to current housing-market conditions. Many won't approve refinancings if there's little equity in the home, he says. "The market can easily adjust down 10% next year, particularly in the really hot markets, such as Arizona, Florida, the Washington, D.C. area," he says. "They're saying, 'If we do 100% financing with these deals, there's a good chance next year we're only going to have a loan worth 90 cents on the dollar.' "
And things may not get better soon. Mark Zandi, chief economist at Moody's Economy.com, says he expects the national housing market to decline by 3.5% in 2007. "It's going to be another bad year for housing," he says. "Some markets that saw prices soaring a year ago will see double-digit decline." (Several leading economists agree.)
To get a feel for the local market conditions in my colleague's hometown, I contacted Evan Siegel, owner of American Realty Appraisals in Westfield, N.J. He says there are two comparable homes for sale in Middlesex listed at $329,000 and $349,900. The first started with a list price of $359,900 and has been listed since late June. The second listing has only been on the market for two months. "Most of the markets in this area have stabilized and some have dropped slightly," he says. "A lot more homes are on the market and it's taking longer for things to sell."
OK, say we split the difference and assume my colleague's home is appraised at $339,000. That means they'd have $32,500 in equity, or nearly half the $67,800 (20% down) equity needed to avoid paying private mortgage insurance should they refinance to a single loan -- which is why they opted for the piggyback loan in the first place. Mr. Hanzimanolis of NAMB estimates they'd pay $133 a month in PMI if they refinance their mortgages, leaving them with a savings of just $11 a month until they reach the 20% equity and PMI goes away.
So refinancing both loans into one fixed-rate loan doesn't make sense for my colleague and his wife. But that doesn't mean they're out of options: Fritz Elmendorf, spokesman for the Consumer Bankers Association, suggests they keep their current 30-year fixed-rate loan and refinance the second mortgage.
"It will be easy for them to find a fixed-rate home-equity loan at about 7.5% without any closing costs," he says. He also suggests they consider a variable-rate home-equity line of credit that would allow them to pay down the loan more quickly -- or borrow additional funds as their needs require. "The advantage of the HELOC is that it gives them options for their monthly payment, whether they want to reduce overall interest expense, or have a lower monthly payment," he says.
Presented with these options, my colleague said it seemed clear that refinancing wasn't worth it, but thought paying off the second mortgage with a home-equity line of credit sounded like a good idea.
Are you stuck in a piggyback mortgage or other type of creative home financing that you want, or need, to refinance? What led you to choose the financing you did? Write to me at firstname.lastname@example.com, or join me and your fellow readers in a continuing discussion about refinancing mortgages.
Apparently there's a battle of the sexes raging in homes across the country, as men and women disagree over holiday decorations. In response to last week's column, many women wrote in to say they share my love for white lights, while most of the guys said bring on the multicolored carnival. Read on to see a sampling of the letters, and share your own thoughts in my ongoing discussion. (As always, letters have been edited.)
* * *
I believe we live in parallel universes. My wife: white lights. Me: big colored bulbs. Memories of childhood. She despises the way I decorate, but I won this year as she's pregnant and doesn't have the time or energy to change it! I do agree with you, though: No reindeer, globes or other junk.
-- Christopher Droznick
Our home is, pardon the pun, lit up like a Christmas tree. I've had to reset the circuits in my breaker box several times a day since the spectacle has been unfurled. I'm a white-lights Christmas kind of guy. A few tasteful, understated, white candles in the windows. Some lights on the Christmas tree. Christmas music playing discreetly in the background. However, if I had the opportunity to illuminate a three-year-old's face with a $199, garish Christmas decoration, I'd be the first in line at Wal-Mart.
-- Bill McCrosky
I'm also a white-light aficionado married to a multicolored-light devotee (with a strong preference for the blinking option, as well as "chaser" lights). After some clashes early in our marriage we've compromised by letting one person pick the theme for the outdoor lights and the other decorate the Christmas tree, and then we rotate each year. This year we will have "my" white lights and decorations on the outside of the house and "his" blinking multicolored lights on the Christmas tree.
-- Sarah Shepherd
My wife has been trying to get us to go with tasteful white lights on our Christmas tree for years, with very limited success. We have three boys, aged 14, 17 and 20 and they all prefer -- as I do -- the colored lights.
-- Richard F. Creeth
I have to say decorations have led to most of our holiday stories: the Australian Shepherd who decided to remove my mother's cookie-dough tree ornaments (she got most of them, once she had the tree safely on the floor); the mutt that decided to eat the wrapped chocolate-covered cherries; and the mistake of putting stuffed Santa in range of the pooch -- twice. But we've had enough. Now we're dumping the decorations on our son and letting him fondly remember chaos in the past. I'm not sure his cats are as quick to get into the destroy-the-decorations spirit as our dogs, but give them time.
-- Curtis L. Russell
If you've lost the war over the Christmas decorations to your men-folk, your last hope is to win the small battles over buying the stuff every year. Make your husband promise he won't buy any decorations ever again unless they are purchased between Dec. 26 and Dec. 31, when that stuff goes on spectacular sale. Better yet, give the boys $100 in an envelope for Christmas and send them off together on the 26th to stock up for next season. It won't be pretty, but at least it'll be cheap.
-- J. Brent Stolpestad
Write to me at email@example.com.
About Terri Cullen
Terri writes the "Fiscally Fit" column every Thursday for the Wall Street Journal Online, in addition to other personal-finance articles and features.
Terri is an assistant managing editor and one of the original team of editors who helped launch the Online Journal. In 2002, she won the Medill School of Journalism Financial Writers and Editors Award for best national financial columnist. Terri also is a contributor to the book, "The Wall Street Journal Online's Guide to Online Investing," which was published in 2000.
Send your comments about "Fiscally Fit" to Terri at email@example.com.


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How to Create a Minecraft Account
Two Methods:Creating a New Minecraft AccountMigrating a Minecraft Account to a Mojang AccountCommunity Q&A
A Mojang account is required to play Minecraft. A Minecraft account and a Mojang account are the same thing. You can create an account for free from the Minecraft website, and you must create an account before your purchase the game. If you have an old Minecraft Premium account, you can migrate it into a Mojang account to gain extra benefits.
Method 1
Creating a New Minecraft Account
1Visit the Minecraft website. Visit minecraft.net from your computer's browser.
2Click the "Register" link, located in the upper-right corner. The link will take you to the Mojang account creation page. Mojang is the company that created Minecraft, and a Mojang account is required in order to play Minecraft. A Mojang account and a Minecraft account are now the same thing, and all new accounts are called "Mojang accounts".
- If you already have a Minecraft account and want to migrate it to a Mojang account, click here.
3Enter the required information. You will need a valid email address. Enter a strong password, and repeat it to confirm.
4Click Register. You will need to select the box saying that you accept the Terms and Conditions as well as the Privacy Policy.
5Confirm your email. Once you register for your account, you will receive an email with a link that you will need to click in order to activate your account. Once you have confirmed your account, you can log in to Minecraft using your email and password.
- Check your Spam folder if you don't see the confirmation email in your inbox. It could take a couple minutes for the email to arrive.
Method 2
Migrating a Minecraft Account to a Mojang Account
1Visit the Mojang Account Migration page. Open account.mojang.com/migrate in your web browser. If you have an old Minecraft Premium account, you can migrate it to a Mojang account, which provides more security options and integrates Minecraft into your Mojang game library.
2Enter in your old username and password.
3Check the "I accept..." box.
4Click .Migrate account. Your account will be automatically converted into a Mojang account.
5Confirm your email. Once you migrate for your account, you will receive an email with a link that you will need to click in order to activate your Mojang account.
- Check your Spam folder if you don't see the confirmation email in your inbox. It could take a couple minutes for the email to arrive.
6Log into your Minecraft game using your email address. After migrating your account, you will use the email address you signed up with to log into Minecraft.
Community Q&A
How can i make a minecraft account without using the "@" symbol?
How do I buy Minecraft without the error message?
Can I play on a random account?
Why does my Minecraft account say "Welcome Player! Ready to play Minecraft Demo?" and doesn't have an option about buying Minecraft in the tutorial?
How can I make a new Minecraft account when it won't let me log in?
- Try not to get banned from servers. Most common causes for banning are swearing, griefing and stealing.
- Do not make a password too short.
- Try to include a mixture of numbers, letters and symbols in your password to prevent people from hacking into your account.
- Make your password something that only you know and don't tell it to anyone.
- Mojang will only require you to log into the Minecraft client and their website, do not give your username and password to anything else, even if it is an email from Mojang.
Things You'll Need
- A valid email address
Article Info
Categories: Minecraft
In other languages:
Español: crear una cuenta en Minecraft, Português: Criar uma Conta no Minecraft, Italiano: Creare un Account in Minecraft, Deutsch: Einen Minecraft Account erstellen, Français: créer un compte Minecraft, 中文: 创建Minecraft帐户, Русский: создать аккаунт в Minecraft, Nederlands: Een Minecraft account aanmaken, Bahasa Indonesia: Membuat Akun Minecraft, العربية: إنشاء حساب ماين كرافت, हिन्दी: माइनक्राफ्ट अकाउंट बनाएँ, ไทย: สร้างบัญชีผู้ใช้ Minecraft, 한국어: 마인크래프트 계정 만드는 법, Tiếng Việt: Tạo Tài khoản Minecraft, Čeština: Jak založit účet na Minecraft
Thanks to all authors for creating a page that has been read 175,213 times.


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If you are planning on visiting Disney and using a military discount you can breath a sigh of relief. Disney has announced an extension of the discount through 2014.
Go here to see the full coverage from the Military Disney Tips Blog.
Register now for free, or sign in with any of these services:


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Partnership with PATH helps us create a clear vision to seek Gods wisdom, to discover solutions, assemble resources and in so doing transform lives. In the process WE are ALL, forever changed. ***Our #1 priority is bringing hope to Ugandan orphans. Otino Waa Children's Village provides family, physical/spiritual health, education and a new future.
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Registered with eBay for Charity.


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Tagline: June Havens finds her everyday life tangled with that of a secret agent who has realized he isn't supposed to survive his latest mission.
Synopsis: An action-comedy centered on a fugitive couple on a glamorous and sometimes deadly adventure where nothing and no one - even themselves - are what they seem. Amid shifting alliances and unexpected betrayals, they race across the globe, with their survival ultimately hinging on the battle of truth vs. trust.


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Thoughts from Insight Bowl media day
PARADISE VALLEY, Ariz. — An eventful morning of interviews here at the scenic Camelback Inn. It started with Andrew Luck and Stanford, continued with Oklahoma State and ended with the media day for the Insight Bowl teams, Iowa and OU.
It's interesting, as our Berry Tramel pointed out, that we get an unprecedented level of access with the players two days before the game, on what would in effect be a "Thursday" during a normal game week. And Bob Stoops and Kirk Ferentz are scheduled to speak again tomorrow, on the equivalent of a game week "Friday." Stoops sort of rolled his eyes when reminded of that a few minutes ago. Understandable, considering we'd just spoken with him for about an hour.
The starters were made available, each player sitting at his own table — and about five (Frank Alexander, Travis Lewis, Gabe Ikard, Jamell Fleming and Landry Jones) chosen to sit on special podiums. The guys, and even Stoops, were relaxed and engaging. We wondered this week if Lewis would come, since he last spoke on Oct. 29. But he did and, from what I understand, he was just as laidback as anyone else.
I spent time with Ben Habern, Ikard (I always type "Ikward," for some reason), Roy Finch, Tony Jefferson and Jones. And then I talked some with Stoops, who chatted with a few of us candidly, which, as you know, rarely happens.
It's an interesting time for OU. The players at least seem to have separated the disappointment from the season and this game. Of course they're going to say all the right things, but the body language is good for the most part. Jefferson was giddy about seeing his Suns play the other night (they lost to the Hornets?), and potentially going back again tonight.
Jones talked a bit more about the NFL Draft. I'm starting to feel bad about how many times he's asked, but his answers, it seems like, are getting more and more interesting. He admitted he goes back and forth whether to stay or leave. We hadn't heard it put quite like that previously.
I'm not sure what to make of Iowa, which has played so well in recent bowl games. Ferentz seems to manage the team well during this time of year. But Stoops has, too, in non-BCS games. The Hawkeyes are a mess at running back. They brought a senior, James White, to media day. But two freshmen, De'Andre Johnson and Jordan Canzeri, will also be factors, Ferentz said. Who freaking knows who is going to carry the ball and how much?
Stoops said he likes the Fiesta/Insight bowls because they allow the players (and coaches) to have more free time, as opposed to some games that almost obsessively pit the teams in silly challenges throughout the week. (The Outback comes to mind. The Holiday, I've heard, is also into that kind of thing.)
The Sooners are practicing later this afternoon. It'll be their last real workout before Friday night's game. How ironic that in a season of late kickoffs, OU's year will end with a 9 p.m. CT kick.
= Trav


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Circuit Judge James Mazzone officiated at the wedding of Misty Johnson and Kevin Felder just moments after Mazzone sentenced Felder to five to 18 years in prison for robbery.
Asked to comment on the unfortunate circumstances surround the marriage, Felder said, "It is a decision between the two of us. I am sorry for what I did, and I want to be a better man when I come home."
After saying goodbye to her new husband as he was escorted from the courtroom, the bride tearfully offered her assessment of the situation.
"I love him that much," she said. "That's all I can say."
Felder, dressed in an orange jail jumpsuit rather than a tuxedo, asked Mazzone if he could have his handcuffs removed during the wedding ceremony. The judge declined.
"I'm sorry, but I can't allow that," Mazzone said. "You are in custody."
Felder was escorted out of the courtroom moments after the couple exchanged wedding vows.
During the criminal hearing, Felder pleaded guilty to one count of second-degree robbery. Assistant Ohio County Prosecutor Steven Vogrin said Felder robbed the Wheeling Island Convenient store on Sept. 5.
"He placed the fear of bodily harm into the clerk," Vogrin said. "He reached his hand in the cash register and when she touched his hand, Mr. Felder told her to, 'Let go or I will kill you.'"
Vogrin said Felder fled the store with $340 in cash.
During the sentencing phase of the hearing, Vogrin said Felder committed the robbery while he was on probation for a July 20 domestic violence offense involving Johnson, his then-girlfriend. Vogrin said as part of the plea agreement, the state would not seek recidivist status against Felder, who has two previous felony convictions and could have been facing life in prison.
Prior to sentencing, Felder told the court, "I am sorry for the things I did. I know I have to pay a cost."
Defense attorney Martin Sheehan told Mazzone he believed Felder was truly remorseful for his actions.
"This was not something he had planned," Sheehan said. "It was an impulsive act."
Another defense attorney, Frank Lash, ask Mazzone to recommend Felder be sentenced to a penal facility as close as possible to Pittsburgh, Pa., to accommodate family members who want to visit him. Mazzone said he has no control over where prisoners serve time, but added he would make a recommendation as part of the record.
But Thursday's nuptials did not mark the first time a wedding followed a sentencing in Ohio County.
On Sept. 5, 2003, Circuit Judge Arthur Recht performed a similar marriage ceremony after sentencing David Appleby to life in prison. The Appleby sentence became a matter of West Virginia case law reference after the West Virginia Supreme Court of Appeals upheld Recht's decision that third-offense driving under the influence of alcohol is a violent crime.
Article Photos
(Photo by Fred Connors)
Exchanging wedding vows Thursday before Ohio County Circuit Judge James Mazzone are Misty Johnson and Kevin Felder, who was sentenced to prison for robbery.


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May 31, 2016
The U.S. Supreme Court Tuesday refused to hear appeals from four Mississippi death row inmates.
The justices without comment declined appeals sought by condemned prisoners Frederick Bell, Blayde Grayson, Stephen Elliot Powers and Leroy Lynch.
Bell was convicted in 1993 for killing a Grenada County grocery store clerk.
Grayson was convicted in the 1996 slaying of 78-year-old Minnie Smith during a house burglary in George County.
Powers was sentenced to death for the 1998 killing of a University of Southern Mississippi student.
Lynch was sentenced to death in 1998 for his role in the shooting death of 74-year-old Richard Lee outside Lee's home in Boyle.
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I suppose a start would be what do the colors represent and what type of map are you going for? If the colors are height than you have some very scary geological formations going on.
From a style standpoint, it is hard to tell this early on, but the pic on the parchment is extremely washed out and sort of hard to look at. Is this going to be a fantasy setting or something else?


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A Fitchburg mother was ordered held on $100,000 bail and her boyfriend was held without bail after dangerousness hearings in connection with the disappearance of her 5-year-old son.
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More Than 300 Men Claimed to Have Refused to Go to Work This Morning
District Board Member Addresses Crowd, Advising Against All Violence
More than 300 non-union miners employed by the Ebensburg Coal Company at Colver, near Ebensburg, went on strike this morning and were organized at a meeting held on the farm of James Rummell, situated about one mile and a half from Colver, according to a report received from William Welsh, of Nanty-Glo, Board Member of District No. 2, United Mine Workers of America. There was no disturbance of any kind when the miners refused to go to work.
Organizer Welsh stated that these newly-organized miners reported at the mine as usual this morning, but when the man-trip was ready to start into the workings they refused to work and marched in a body to the Rummell farm. Addresses at the mass meeting were delivered by Organizers Welsh and John Maholtz, of Patton. The strikers were advised in both the English and Polish language to refrain from any violence and to return to their homes. They were asked to return for another big meeting tomorrow morning at the Rummell farm. Tomorrows meeting will start at 9 oclock.
It is claimed by Organizer Welsh that during the assemblage of the strikers, B. Dawson Coleman, jr., son of the owner of the Ebensburg Coal Company, a State Trooper and several coal company "coal and iron" policemen were on deck. While organizing the strikers, Mr. Welsh, it is said, announced that the Rummell property had been rented for the assemblage of the miners. He stated that he did not want any person who was not a miner or who did not want to join the union to remain during the meeting, but to leave the premises at once. It is claimed that the coal company agents and the State Trooper departed.
Organizer Welsh said that during the mass meeting the coal company agents endeavored to get the miners to leave and return to work. He claims that a large bon-fire was started with boxes and the fire alarm was sounded and the whistle blown. The Colver Fire Company responded, it is claimed, but the miners continued to remain at the meeting.
The Colver operations have been working throughout the strike and up until today was one of the strongest non-union enterprises in this part of the state. The walkout came as a big surprise to the coal company officials and other operators, it is said.
Organizer Welsh announced that non-union miners employed by the Vinton Colliery Company at Vintondale, and those working at the Penn Mary Coal Company at Heilwood, Indiana County, will strike within the next few days. The Heilwood operation is said to be one of Charles M. Schwabs interests.
An official of the Ebensburg Coal Company emphatically denied that more than 300 men walked out this morning. He stated that only about 50 miners went on strike and this was due to some trouble among themselves. The company official stated that Ebensburg concern employs in the neighborhood of 350 miners.
It is said that the Ebensburg Coal Company operations at Colver have been averaging an output 45 to 47 large steel cars of coal per day. The company has been paying its miners the November 1917, wage scale.
A representative of the Tribune was on the field late this morning and learned that only about 14 miners were at work. He stated that about 385 men went on strike.
CITY EDITION Page one, Column 5


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CUHK Business School and the Darla Moore School of Business at the University of South Carolina (USC) are together offering a concentration for undergraduate students interested in pursuing careers in international business with an emphasis on China and the United States.
The International Business and Chinese Enterprise (IBCE) Concentration builds on the unparalleled access that CUHK offers to China and Asia, the strong Chinese language programmes available there, and the outstanding professors and curriculum of the Business School. The Darla Moore School of Business at USC brings to its alliance its recognized excellence in international business and its facility for developing innovative academic programmes, as well as its location in a region markedly integrated with the global economy.
Students from the two business schools will share a number of courses and experiences together. They will have abundant opportunities to create and sustain cross-cultural relationships with classmates and professors in Hong Kong and the United States. Additionally, through coursework, internships, study trips and travel, they will be able to personally experience the impact of culture on business practices.
CUHK accepts application to the IBCE Concentration (JUPAS code: 4288) starting from 2010-2011, with a limited admission quota of 20.


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These gorgeous pictures are from the Collectanea Botanica, a series of monographs by John Lindley issued between 1821 and 1826. I love things like this! I saw them on BibliOdyssey, which is becoming one of my favorite sites to visit lately. The guy who works on it finds pictures from all kinds of old books, ones that have been posted online and ones out in the library, and then posts all the best pictures from them.
a visit to bibliodyssey
- -February 24, 2009, 11:43PM
This site is amazing! I have been following the fp blog for a while now and I felt it was high time to leave a comment. There are some awesome pictures on that blog! I definitely added that to my favorites. Thank you!
Post a comment
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A glance at the opening point spreads and early line movement at the LVH SuperBook for the NFL's Week 5 card.
Thursday, October 3
Cardinals at Rams (pick 'em)
Arizona, as a 4.5-point home favorite, needed overtime to beat Miami, 24-21, on Sunday. St. Louis won outright over Seattle, 19-13, as a 3-point home dog. The Cards were bet from a pick 'em up to -1.5 Sunday night.
Sunday, October 7
Falcons (-3.5) at Redskins
Atlanta, laying a touchdown, got by the Panthers on a Matt Bryant field goal in the closing seconds. The undefeated Falcons will be a road favorite vs. the Redskins – winners of a tight game of their own, 24-22, at Tampa Bay – next Sunday. Early money went on Washington, and the line moved to Falcons -3.
Eagles at Steelers (-3.5)
Pittsburgh was off. The Eagles beat the Giants on Sunday night, 19-17.
Packers (-7) at Colts
Green Bay held off the Saints, 28-27, Sunday, and will be a road favorite over the Colts, who'll be rested after their Week 4 bye. Indy took early action, and the line moved to Packers -6.5.
Browns at Giants (-10)
The Giants, before kickoff of their Sunday night game against the Eagles, attracted early action, pushing the line to 10.5. The Browns may be 0-4, but they've been a good investment so far, with a 2-1-1 record against the spread.
Titans at Vikings (-6)
Minnesota is 3-1 after a 20-13 win on the road against division foe Detroit. Tennessee was blown out as a 13-point dog in Houston.
Dolphins at Bengals (-6.5)
One of the biggest Sunday-night movers. The Dolphins, who took the Cardinals to overtime and covered as 4.5-point road dogs, were bet all the way down to +5 for next week's game in Cincinnati.
Ravens (-5.5) at Chiefs
Kansas City, getting 2.5 points, was dealt a loss at home by the Chargers. Baltimore won at home Thursday night against Cleveland, but failed to cover. The Chiefs took some early money, moving the line to Ravens -5.
Seahawks at Panthers -(2.5/-120)
Seattle is 2-0 at home, but 0-2 on the road. The Panthers are 1-3, but had a good showing and covered in a loss in Atlanta on Sunday.
Bears (-3.5) at Jaguars
The Jags failed to impress in their 27-10 loss at home to Cincinnati. Chicago plays in Dallas Monday night.
Broncos at Patriots (-7)
Denver hammered Oakland, 37-6, on Sunday, but has to hit the road to New England next week. The Pats looked to be in trouble early in Buffalo, but turned it on and ran away from the Bills, 52-28.
Bills at 49ers (-9.5)
San Fran got back to its winning ways, shutting out the Jets, 34-0, in New York. They get Buffalo at home next week. Early action bounced the line from the 49ers -10, back to the original number of -9.5, and then down to 9.
Chargers at Saints (-2.5)
The Saints took early money, moving the line to -3 and then to -3 (-120), as LVH avoided adding the hook.
Monday, October 8
Texans (-7) at Jets
Houston ran its record to 4-0, while the Jets were listless at home vs. the Niners. The Texans moved to -7.5, then back down to -7, Sunday night.


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Cool Design & Total Care
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Sustainable Construction's integrated green building practices include nationally recognized expertise in healthy home remodeling, LEED and Energy Star projects.
Want a green home? We are a true sustainable home builder.
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Our showroom features kitchen cabinetry and sustainable/recycled remodeling materials. We have a variety of beautiful surfaces and finishes displayed in a homelike setting to see and touch. Our design center is a place to come to discuss your ideas, learn about remodeling as well as sustainable materials and building practices.
Contact us to set up an appointment to come in and visit the showroom.


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Just taking an opportunity to make a quick post here - my 'office' downstairs is being cleaned so I'm upstairs committing chronocide.
When I started this journey in March, I weighed 227 pounds and my pants were a size 38 waist. That does not mean that my waist measured 38 inches, it just means that I wasn't willing to admit that I had gotten fatter by buying bigger pants. Instead, I did what many middle age guys do - started wearing my pants lower. In the dress pants that I used to wear for work, my belt was creeping ever lower down the front of growing belly, and with shorts I just gave up and wore them around my hips. I'm estimating that my actual waist size was 40 inches, but it could have been bigger. I won't name names here, but a number of guys I know have said 'oh my pants are a size 36' or 'I've been wearing a size 34' since high school.' DeNIAL. Yes, I am sure their pants ARE that size, but they have stomachs that hang over their belts, which are located perilously close to the top of their butt crack instead of many inches higher where their waist actually is.
As of Tuesday, I weigh 188 pounds, and bought some new pants that are a size 34 because I can actually wear those where they are supposed to be worn. Of the three pair I bought, they all fit a bit differently because they are from different makers. In all honestly, one pair is a wee bit tight when worn at my waist, BUT, I am not done slimming down. Not yet. None of the three are anywhere near close fitting enough to make me look like a grape smuggler.
I don't have a firm idea of a goal weight or size, but I do know that when I started this, 177 (a 50 pound loss) seemed daunting. At 188, it seems downright feasible, like maybe even in the next 4 to 6 weeks. Could I be a size 32 eventually? Do I have what it takes to keep going to the gym and working hard five days a week? What if I got to 170? In any case, it's a fun project so I will keep going. Well, fun, and I also feel way better and I'm plenty more healthy and energetic.
It's comforting to know that I'm not headed for a big ol' backslide (or a big ol' back side) when my diet changes, because I don't intend to change it. Why would I? I still LOVE eating, and there is nothing I miss enough to go back to the fat. Besides, I still choose to eat food sometimes that is not exactly fantastic for my body, but is fantastic for my mental and emotional well being. For instance, last week I lost three pounds, and that was despite having a mini cupcake with my daughter on her date day, and splitting a big basket of fries with my six year old while watching the Rangers game at our local sports bar/restaurant. I'm free to eat whatever I want! Happily, I don't actually want meat and cheese after not having it this long. French fries I will ALWAYS want, so I will have them once in awhile. And cupcakes...those are too lovely to swear off forever. So there you have it - my diet can be described as plant based, no meat, no dairy, VERY limited oil, plus french fries and cupcakes. Shoot, what doctor would say that was bad, right?
This journey is worth it. Beyond worth it. Care to join me?
Thursday, June 28, 2012
Wednesday, June 13, 2012
The Happy Herbivore and the Crampy Carnivore
Zion's Caringbridge site and Selah Jane's Caringbridge site (Zion is not in the picture there on the left just because he was having some altitude sickness, not some horrible melanoma manifestation, and my wife wisely declined that particular hike, what with being 6 and a half months pregnant).
Along with this vacation time came some food choice challenges. On the way there, we stopped at a Denny's, and were pleased to find a veggie burger among all the bacon wrapped and cheese stuffed mystery meat items. I enjoyed the veggie burger very much, but my wife felt it had too heavy of a soy taste. At a hotel breakfast I tried a breakfast burrito, sans meat and cheese, but did include Egg Beaters - will NOT be going any further down the Egg Beater Road. Along with being an animal product (albeit with no cholesterol), it turns out they have zero taste and a bunch of bullsh ingredients.
Once at the camp, we did inquire at some meals about alternate offerings if everything being served was heavy on the animal products, but this being a totally free ride we declined to be picky. For the most part we were able to stay plant-strong with our eating, but I did make one exception on purpose. Breakfast one day was cooked outdoors over an open fire, at a gorgeous mountain site reached by horseback -the offerings were French toast (served by being flung from the chef to the recipient about 10 feet away, a game as well as a meal! ) with plenty of dairy, eggs with bacon and cheese and such, and quesadillas with eggs and cheese. I happily ate some of that, and the next day the breakfast was sandwiches with eggs, cheese, and bacon and I ate that because it was what was offered. Later that day, I was in some abdominal PAIN. That did not encourage me to embark on a return to the land of meat and dairy. At all.
Back now at home and in our happy plant heavy kitchen, I'm way more happy with my eating, and still dropping weight - 192 yesterday, whoo HOO!! I used to always grill up a huge steak on Father's Day, but this Sunday we'll be cooking up some fantastic vegan Thai. Can't wait!
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Aug. 8, 2006
BERKELEY - The California football team resumed its fall training camp at Memorial Stadium on Tuesday afternoon. This was the second of 27 practices for the Golden Bears before they face Tennessee on Sept. 2, in Knoxville, Tenn.
The team practiced in helmets only as they continued their standard drills and introduced the new freshmen to the system.
"Collectively I am happy with the group," Cal head coach Jeff Tedford said. "They are showing intensity and hustle and they are running fast and playing hard. However you can't tell a lot until they put on the pads."
The defense was impressive during the two-hour-plus practice. Robert Peele and Greg Van Hoesen each had interceptions while the defensive backs and linebackers were effective breaking up passes.
Offensively, Nate Longshore connected with DeSean Jackson for a 20-yard pass and Noah Smith made a leaping catch of a Joe Ayoob delivery in seven-on-seven drills.
Cal will practice again on Wednesday in shells. As a reminder, all practices are CLOSED to the public.
After the Bears travel to Tennessee for their season opener, they will return home. The home opener for the Bears is Sept. 9 against Minnesota at 4 p.m. at Memorial Stadium. For ticket information, call 1-800-GO-BEARS.


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Worked With:
Chad Allen
Birth Name: Chad Allen
Born: 06/05/1974
Birth Place: Cerritos, California, USA
Born: 06/05/1974
Birth Place: Cerritos, California, USA
Allen got his first notable role as the headstrong pre-teen son of Deidre Hall (and younger brother of Shannen Doherty) on the heartwarming family drama "Our House" (NBC, 1986-1988). He also played the cooler of the two school friends competing for Staci Keanan on "My Two Dads" (NBC, 1987-1990). His most fulfilling role to date, however, was Matthew, the eldest (and most strong-willed) of the orphans adopted by "Dr. Quinn, Medicine Woman" (CBS, 1993-98). The role gave Allen a showcase for his maturing talents. In 1996, his character was even elected sheriff.
Allen was a tiny tot when he made his first TV-movie, a bit in the drama "Not My Kid" (CBS, 1985). Slowly-growing roles followed in "... Continue Bio >>
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Patricia Unterman's Spice Trail to Turkey
Hot on the scent of the indigenous maras pepper, SF food critic Patricia Unterman got an authentic taste of the cuisine and culture of southeastern Turkey. Her adventure took her through city bazaars to the countryside, tasting everything she could get her hands on along the way. Her full story can be found in the February Eat+Drink Issue of 7x7, but you can get a taste of the journey in the slideshow above.


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Fender Bigsby B70 TremoloProduct #H83021 Fender H83021 LRPH Tremolo https://www.esnapw.com/rses/ESnapServlet?MerchantNumberSent=63655
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An iconic tailpiece that adds fun and vibe to arched-top guitars.
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- Model Name: B-70
- Series: Lightning Series I
- Manufacturing Method: Die Cast
- Manufacturing Material: Aluminum
- Approximate weight: 358 grams/ 12.6 oz.
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- Arm adjusts with 1/8" Allen wrench and 5/16" socket wrench
Improve the sound and look of your favorite guitar. Order today.


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Subject: Re: [OMPI users] Two remote machines - asymmetric behavior
From: David Doria (daviddoria+openmpi_at_[hidden])
Date: 2009-08-03 13:08:00
On Mon, Aug 3, 2009 at 9:47 AM, Ralph Castain <rhc_at_[hidden]> wrote:
> You are both correct. If you simply type "mpirun pvserver", then we will
> execute pvserver on whatever machine is local.
> However, if you type "mpirun -n 1 -H host1 pvserver", then we will start
> pvserver on the specified host. Note that mpirun will still be executing on
> your local machine - but pvserver will be running on the specified host.
> Ralph
Does anything change based on where mpirun is executing?
Can you shed any light on the initial question of asymmetric behavior?


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Definition: 'Phytosis'
phytosisType: Term
Pronunciation: fī-tō′sis
1. A disease process caused by infection with a vegetable organism, such as a fungus.
The definition information for phytosis is provided by Stedman's. You can search our medical dictionary here.
Stedman's, part of Lippincott Williams & Wilkins, provides a comprehensive line of health-science publications for healthcare professionals and medical students.
Medical Dictionary Copyright © 2006 Lippincott Williams & Wilkins. All rights reserved.


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i'm new to jboss, i wish to setup a development server on my local machine to be used with netbeans, under windows xp; I need to install the oracle jdbc driver on it. I've searched the web and all the articles i found say to copy the jar in the server default folder. Will it be visible also to all and minimal folder ? there's another way to configure drivers without physically moving the jar to the folder ?
thank you in advance


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DeSales University
Center Valley Campus
2755 Station Ave
Center Valley, PA
Get Directions
Press Release: DeSales Lunch Program to Feature Chemistry Demonstrations, Thurs., May 6
Date: 5/5/2004
DeSales Lunch Program to Feature Chemistry Demonstrations, Thurs., May 6
Center Valley, Pa. (Tuesday May 4, 2004) - A series of fast and fun chemistry demonstrations will be the focus of the next Brown Bag Lunch Program at DeSales University from noon to 1 p.m., Thursday, May 6, in the Hurd Science Center Auditorium. The event is open to the public free of charge.
DeSales faculty in chemistry and natural science, along with their students, will present a range of experiments from "Cold and Wet" (polymers, cross-linking and osmosis) to "Gel Canned Heat" (colloids, emissions by metal salts, and thermochemistry) and "Café Chemie" (combustion and oxidation-reduction reactions).
The workshop has been presented at high schools in the Lehigh Valley in the past and has been very well received. The group will be presenting the same workshop at DeSales. Faculty members participating include Dr. Rodger Berg, associate professor of chemistry; Dr. Edward Fleming, assistant professor of natural science; Dr. David Gelermo, lecturer in natural science; and Dr. Francis Mayville, assistant professor of chemistry.
The program is part of the Brown Bag Lunch Series, which Trexler has been providing every semester since September 1999. The purpose of the series is to provide faculty, staff, and students an opportunity to share their research projects, personal interests, and hobbies with the whole DeSales University community.
For more information, please contact Debbie Malone, library director, at 610-282-1100, ext. 1253 or firstname.lastname@example.com.
Press Release: DeSales Lunch Program to Feature Chemistry Demonstrations, Thurs., May 6 | Posted on: 5/5/2004
For more info:
Tom McNamara, Executive Director of Communications
DeSales University | 2255 Station Avenue | Center Valley, PA 18034
610.282.1100 x1219 | email@example.com
Copyright © 2010 - All Rights Reserved


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Pu'uhonua o Honaunau Getaways
Pu'uhonua o Honaunau National Historical Park preserves the site where, up until the early 19th century, Hawaiians who broke a kapu, one of the ancient laws against the gods, could avoid an otherwise certain death by fleeing to this place of refuge or pu'uhonua. They could then be absolved by a priest and free to go. Defeated warriors and noncombatants could also find refuge here during times of battle. The grounds just outside the great wall that enclose the pu'uhonua were home to several generations of powerful chiefs.
Activities within the park include viewing the historic sites and interpretive information, hiking, fishing, bird watching, swimming, snorkeling, SCUBA diving, and viewing wildlife.
Click on a city link below to view properties near Pu'uhonua o Honaunau.
Other popular getaway locations in Hawaii
Hawaii Beach Getaways
- Anahola
- Anini Beach
- Black Sand Beach
- Captain Cook
- Haena
- Haiku
- Haleiwa
- Hanalei
- Hanapepe
- Hilo
- Honolulu
- Huelo
- Kaanapali
- Kahana
- Kahuku
- Kailua
- Kailua-Kona
- Kalaheo
- Kamuela
- Kapaa
- Kapalua
- Kapoho
- Keaau
- Keawakapu Beach
- Kihei
- Kilauea
- Koloa
- Kuau
- Lahaina
- Lihue
- Makaha
- Mauna Lani
- Na Pali Coast
- Pahoa
- Poipu Beach
- Princeville
- Waikiki
- Waikoloa Beach
- Waikoloa Village
- Wailea
- Waimanalo Beach
- Whalers Village
Hawaii Park Getaways


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Earlier today, the federal Agency for Toxic Substances and Disease Registry (ATSDR) announced that the New York City Department of Health and Mental Hygiene (DHMH) would receive a $20 million grant to design and maintain a World Trade Center (WTC) registry for persons exposed to the WTC disaster site.
New York City Health and Mental Hygiene Commissioner Thomas R. Frieden, MD, MPH said, "The City of New York is pleased to receive federal assistance to undertake this very important initiative. The registry will allow an assessment of short- and long-term physical and mental health effects of the WTC disaster, and will provide a central, unified database to facilitate specific investigations. It will generate a clearer picture of any long-term health impacts of the World Trade Center disaster."
The registry will include thousands of individuals who were near the WTC site when it collapsed on September 11th, rescue/recovery workers who responded to the disaster, and persons who live in the vicinity of the WTC site. The registry will also include individuals who worked at the Fresh Kills landfill on Staten Island.
The WTC Registry is being designed to accomplish the following:
While funding will for the project will be provided from the Federal Emergency Management Agency (FEMA) through ATSDR, DHMH will oversee the start-up, enrollment, development, and maintenance of the registry. Criteria for individuals to be included in the registry are still being finalized. All information collected on registry participants will remain confidential. The registry is expected to launch in Spring 2003.
For more information, visit the WTC Registry Information page or visit ATSDR's Web site at www.atsdr.cdc.gov. #43


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A niche device, the Lumia 1020 is pricier than most high-end smartphones that will make some salivate.
Nokias new Lumia 1020 is the companys most significant device yet. Announced only a few weeks ago, the handsets biggest selling point is easily its 41-megapixel camera sensor, which Nokia paraded around as the best mobile camera the industry has ever seen.
Having seen the gadget in action, its easy to see why Nokia is so confident.
But even with such an enormous sensor, how does it stack up against the competition?
Apple's iPhone is currently the most widely used camera in the world (data is available for Flickr only) thats an accomplishment in and of itself. And while it doesnt have the highest megapixel count, or even the most robust feature set, the iPhone 5s camera is still more than capable of producing excellent results. Apple says its cameras are so popular because the company focuses on more than just megapixel count.
The Nokia Lumia 1020 smartphone's camera captures extremely high-resolution images with fine detail, and puts creative controls at your fingertips.
A niche device, due to its extreme focus on its camera, the Lumia 1020 is USD 100 pricier than most high-end smartphones. Having said that, for the aficionados there are relevant high points, but for the general user, the lens makes it a little bulky while multiple camera apps are confusing. It lacks manual f-stop control and presets for common shooting scenarios.
Lumia 1020 high-octane shooter, along with camera app, defines this marquee Windows 8-based smartphone. What will make photographers salivate is that 1020 pushes the smartphone camera envelope with a combination of raw image-capturing prowess and close-cropping capability that makes it one of the most artistically-enabled smartphone cameras that we've tested.
Casual users may not venture from automatic settings and may not notice much difference in image quality unless they frequently crop photos tightly.
Another similar device is the 16-megapixel Samsung Galaxy S4 Zoom. Of course, the S4 Zoom's optical zoom element could give the 1020 a run for its money.
Design and build
The first thing you're probably asking yourself is if owning the Lumia 1020 is like carrying a bulky point-and-shoot camera in your pocket. Blessedly, it is not.
Compared with the chunky Galaxy S4 Zoom and bulbous Nokia 808 PureView (the company's first attempt at a 41-megapixel phone), the Lumia 1020 seems only slightly thicker than the Lumia 920 and 928, both of which


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May is Poppy Month campaign kicks offSupports veteran programs
The American Legion Auxiliary Unit 28 kicked off May is Poppy Month recently. During May, poppies will be available at several sites. Poppies are used to honor veterans for their service and sacrifice, and the donations from the Poppy Month campaign are used to support veterans programs.
Miss Poppy Paris Parks, left, and Poppy Chair Pauline Law will visit Sussex County Council and Legislative Hall as part of the celebration. This year, members will also have poppy magnets that can be purchased for $3 each. Parks and Law are shown with samples.
Law hopes the community will support her volunteers who will be at the Millsboro post office and Giant. For more information contact Law at 302-947-1605.


text: Look, if you really want to have a really good wallowing, heaving break-up cry, particularly if you've been cheated on, then by all means watch "The One With the Morning After." But if you need a little bit of levity and the phrase "We were on a break!" has become part of your lexicon, then watch "The One With the Jellyfish" instead. Ross lies about reading a 18-page letter ("Front and back!") Rachel wrote taking full responsibility for their split, which is totally something an asshole ex would have done too. It all culminates in a yelling match about bad grammar and erectile dysfunction and serves as a helpful reminder that getting back together is rarely a good idea. Available to watch on Google Play.