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DaveWentzel.com All Things Data
Are escrow accounts for suckers?
My "Pay Off Your Mortgage in 9 Years" post is surprisingly very popular. There are a lot of radio ads for programs that promise to pay off your mortgage early. Of course these services charge you a fee. There is NO magic to these programs, you can do these tricks yourself to pay off your mortgage early. I wrote that post because I rightly assumed that quite a few people do not know these tricks and I love to stick it to the banks whenever I can.
Today's "stick-it-to-your-bank" post is about escrow accounts and how they benefit the banks and not you, and what you can do about it.
What is an escrow account?
An escrow account is a bank account held by a third party (your mortgage company) which receives money from one party, such as the mortgagor (that would be you), and later distributes that money to one or many other parties. These "other" parties might be your hazard insurance company and your local property tax authority (usually your school district).
Why do banks want you to have an escrow account?
- Well, obviously they get to keep the interest on the float (the balance) in your escrow account. Banks don't need to credit your account for interest, at least not in PA. So they get a few bucks every year.
- People are generally lazy and stupid and banks would rather be the responsible party to make sure your hazard insurance and taxes are paid. If your house burns down and you didn't pay your insurance you might decide to default on your mortgage and that means the bank loses THEIR property. They don't like that. An escrow account lets them keep tabs on you to ensure your bills, that they have a vested interest in, get paid.
- Likewise, with escrow, if you default on your house the bank is guaranteeing that a taxing authority won't come in and get first claim on your house. Without escrow the bank doesn't know that you are not paying your taxes. With escrow, they know you are paying your taxes, because they are writing the check for you.
Many will argue that a couple of lost bucks in interest is worth it if someone else (the mortgage company) has the responsibility to actually get the bills paid. This is partially true. Read on.
Benefits of waiving escrow and paying your own bills
- With escrow you are locking up your money for potentially 12 months prior to a given payment needing to be made from the escrow account.
- Make some interest on the money you would normally have in escrow. Or pay a little more on a credit card. Or do anything else you want with YOUR money. Yes, the interest the bank makes on your escrow funds is miniscule...still, why let them have it?
- In my area I get a SUBSTANTIAL reduction in property taxes if I pay a month early. When I had an escrow account the bank only made the payment when it was due. In other words, the bank had the funds in escrow but did NOT make the early payment to save me money.
- In other cases it would have been advantageous from a tax perspective to pay the small late fee on a tax bill and reap HUGE tax benefits by moving the tax payment to the next year. It's rare, but it happens.
- Yes, it is true that it is LEGALLY the bank's responsibility to pay any and all bills for you (according to the terms of your escrow agreement), but that doesn't mean it won't cost you a ton of headaches when they screw it up. For instance, when I had an escrow account some of my tax bills went directly to the bank, others came to me and I needed to mail them to the bank. And the ones I needed to mail to the bank were the tax bills for a couple hundred bucks. It would've been faster for me to just write the check to the taxing authority rather than find the bank's address and escrow account information (and a stamp) to send it to the bank.
- This one is controversial, but it's true. As I mentioned in my previous mortgage post, there are unfortunately times when you may need to default on your mortgage. No one likes to think about this but it happens. In my last mortgage post I mentioned that PAYING DOWN (as opposed to PAYING OFF) your mortgage means that you are giving free money to the banks if you ever do, unfortunately, need to default. The same is true with escrow. If you can't pay the mortgage and escrow the bank will ensure the escrow is paid in full FIRST so the taxing authority doesn't seize your house. However, it usually takes a long time for a taxing authority to seize your residence. When funds are really tight, you are better off paying the mortgage first, and worrying about the taxes later. With escrow you can't do this. Obviously ALWAYS pay the hazard insurance first. ALWAYS.
- In the 7 years I had escrow I found discrepancies in my annual statement in 3 of those years. Check your annual escrow statements for discrepancies. In every case they paid the hazard insurance late because my insurer, unfortunately, sends out the bill exactly 30 days before it is due. My bank(s) couldn't handle such a small amount of lead time and decided to pay the penalties using MY escrow funds. That's not legally allowed, but banks don't always follow the law either. Once I disputed this in writing they credited my escrow properly, no questions asked. But this was still VERY annoying and time-consuming.
- Once I overpaid escrow throughout the year (another bank calculation foul-up) and had a huge balance at the end of the year. I received a letter indicating I could either get a refund check or apply some portion of the excess to next year's escrow and lower my monthly payment. Or I could apply the money to principle. Or...it becomes exhausting having to think about all of this. I would rather have a nice static mortgage payment for 30 years rather than a wildly fluctuating payment due to yearly escrow differences.
- I noticed at the end of one year that my escrow balance was hugely negative. The bank paid almost twice what my property taxes should have been. After a lot of research the problem was with the taxing authority...the wrong tax bill was sent to the bank and they paid it without asking questions. This is why I like to receive my bills at my home and scrutinize them. The bank didn't catch the error, but I would have.
- In another situation I refi'd in the middle of the year. My escrow account balance did not properly move from lender to lender. I was missing one month's escrow payment. I caught it only after reviewing the annual statement. What a nightmare trying to fix that.
- Lenders are legally allowed to keep an escrow balance equal to twice the monthly escrow payment. I had a lender actually delay a tax payment so they would not fall under the 2 month cushion. And they tried to have me pay the late fees. After I looked at the annual statement I noticed they did this the previous year too. The conspiracy theorist in me thinks that maybe the banks really do want an extra nickel of float interest at the risk of an irate customer. I hate banks.
- When you apply for credit there is a formula used called "debt-to-income ratio" (DTI) that determines if you are a good credit risk. The first question is always, "what is your income?". The second is, "what is your mortgage payment?". But the creditor never asks what portion of your mortgage payment is escrow or if you even have escrow. Therefore if you pay your own taxes your mortgage payment is lower and hence your DTI ratio looks better on paper.
How do you waive escrow?
- You may only be able to ditch your escrow if you refinance. Certainly don't refinance because you don't like escrow, but when the opportunity next presents itself, ditch your escrow.
- Ask. You'll probably need to have at least 80% LTV (loan-to-value), in other words, you'll need about 20% equity before a bank will consider this. Otherwise, again, strategic defaulting becomes appealing in bad economic times (see above). If you ask and you are a good customer it is likely that a bank will waive escrow for you. Most banks really do want happy customers.
(sample LTV calculation)
- This is rare: If you don't escrow when you refinance then make sure you read the fine print and make sure you are not paying any extra fee because of this. If the fee is small, and it usually is, it will be on your closing forms, then consider paying it anyway. Paying a fee is a rarity though. I was asked if I wanted escrow or not at my last refi.
When is waiving escrow a bad idea?
- If you must contractually pay higher mortgage rates because you don't have enough equity, then opt for escrow.
- If you are really terrible at budgeting and getting your bills paid on time, escrow is your friend.
- If your annual escrow statement shows LARGE negative balances then your bank can't properly estimate what your escrow should be and you are therefore getting free money from the bank. This is rare but happens whenever your property taxes go up by VERY large amounts quickly. Or when inflation gets out of control.
- Dave Wentzel's blog
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Join the Free Online Membership Classes at anytime.
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subset: commoncrawl


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lookin for a growlithe of any nature or gender. PM if theres anyhthing specific ur after, or if u just want to get rid of one. thanks
...mmmm, diamond version
looking for shiny growlithe or arcanine i have a shiny chansey for trade
if do not reply for a while i cant go on serebii so add me on email@example.com
I am E4 member number 4. Fighting type. If you beat the whole league you get a shiny! Come have fun!! http://www.pokemonelite2000.com/foru...=1#post1319687
5x Growlithe (Bite, Roar, Fire Blast and Dig)
Natures: Lax, Serious, Bashful, Impish, Jolly
what sorta uncommons would u be after? i may have them
...mmmm, diamond version
I have one that is currently an egg. Let me know if you want it, so I can hatch it and give you it's nature and stats.
Name: LPH
I now can breed ANY starter, fossil or anything else!
I have ALL Pokemon so far so it's not that hard to get something for you.
yeh ill take it, dont really mind about the nature or stats coz i can breed it wat would u like in return?
...mmmm, diamond version
would you happen to have a vulpix?
if not the starters from gold/silver are good
or even almost any pokemon from gold/silver
just make an offer. I'm not picky.
Name: LPH
I now can breed ANY starter, fossil or anything else!
I have ALL Pokemon so far so it's not that hard to get something for you.
Hey there, I'm looking for Growlithe.
PM me if you have one available and let me know what you want. I have Diamond and could offer you one of the exclusives if possible. I could also trade an Eevee, Piplup, Chimchar, Turtwig...just let me know, I'm pretty open.
I have a Growlithe up for trade... Looking for a male Gible with an Adamant or a Naughty nature... OR... A Feebas with Modest or Mild nature...
Last edited by Cool Rafe; 12th July 2007 at 2:59 PM.
If you want a Growlithe just PM me. I can trade it with a fire stone but offer something that makes up for the attachment if you do need a fire stone. I am not looking for any shinies or anything ridiculous, just offer me something that you consider fair and PM me with the offer. I have plenty here. I am not to bothered what I receive.
Im looking for a shiny growlithe. anyone have one? if u do please pm me. i will offer some shinies and other things
need a growlithe, idc about anything. just i need a FEMALE growlithe, PM me
You cannot have only uppercase (or caps) in your signature, so your entire signature was erased. Please read the signature rules.
Looking for shiny Arcanine,can offer pretty good.
I have also normal Growlithes and Arcanines to offer.
Spoiler:- Sig & trade info & misc.:
PM me for my Diamond FC and trade/battle offers. Apollo Justice from Apollo Justice/Ace attourney is claimed be me.^^
Pic from www.geocities.jp/kinoko_kaihatsu
Banner made by me
[Your banner was too big, so I've destroyed it. Read the sig rules.]
Looking for Adamant Growlithe! Pref. female, but I'm not picky about gender! PM me!
Version: Pearl
Friend Code: 5112 0015 0679
Email: firstname.lastname@example.com | firstname.lastname@example.com
MSN | Yahoo | AIM: firstname.lastname@example.com | akcgirl5 | akcgirl5
Favorite Pokemon: Neko
Looking for a shiny growlithe. if u have one, PLEASE PM ME.
need growlithe tell me what you want i need gender and nature doesn't matter
Im looking for a shiny growlithe. if u have one, please pm me
looking for normal growlithe (offering feebas) PM me
Groudon RULEZ!!!
Major want-
I'd like a growlithe, i could trade a treeco, a chincho or any of the other pokemon i have too many of, just ask me what i have
I still have some nice Growllithe for trade:
5x Growlithe (Bite, Roar, Fire Blast and Dig)
Natures/Gender: Lax(M), Serious(M), Bashful(F), Impish(F), Jolly(M)
Looking for some nice trades..
Offers, only through PM!!
I need a Growlithe, but one under lvl 40. Willing to trade a load of Pokes but no shinies. PM me if interested.
Last edited by VKM; 20th July 2007 at 4:49 PM.


text: Driving at 200-plus mph amid a pack of sheet metal inches from concrete is challenging. Attempting to handicap the field is easy. Sort of. USA TODAY Sports staff and contributors offer their dozen drivers, in order of Chase for the Sprint Cup finish. Gregg Ellman, Getty Images1. Jimmie Johnson leads the predictions with an average ranking of 2.33 and 14 total points. Sam Sharpe, USA TODAY Sports2. Denny Hamlin averages out at 3.0 with an 18-point total. Stew Milne, USA TODAY Sports3. Kasey Kahne averages out at 4.17 with a 25-point total. Stew Milne, USA TODAY Sports4. Matt Kenseth averages out at 4.83 with a 29-point total. Rob Grabowski, USA TODAY Sports5. Defending Cup champion Brad Keselowski averages out at 6.33 with a 38-point total. Kevin Liles, USA TODAY Sports6. Kyle Busch averages out at 6.67 with a 40-point total. Jennifer Stewart, USA TODAY Sports7. Dale Earnhardt Jr. averages out at 8.17 with a 49-point total. Kyle Terada, USA TODAY Sports8. Carl Edwards averages out at 8.5 with a 51-point total. Kevin Liles, USA TODAY Sports9. Clint Bowyer averages out at 8.67 with a 52-point total. The 2012 runner-up was not picked to make the Chase by one writer. Kevin Liles, USA TODAY Sports10. Greg Biffle averages out at 8.67 with a 52-point total. Biffle was not picked to make the Chase by two writers. Tim Fuller, USA TODAY Sports11. Tony Stewart averages out at 9.17 with a 55-point total. Kevin Liles, USA TODAY Sports12. Jeff Gordon averages out at 9.83 with a 59-point total. Andrew Weber, USA TODAY SportsLike this topic? You may also like these photo galleries:Replay1 of 132 of 133 of 134 of 135 of 136 of 137 of 138 of 139 of 1310 of 1311 of 1312 of 1313 of 13Last SlideNext Slide


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"Last year i ran across the street and it was rather cold .. when i got home it felt like the inside of my throat was frozen and felt very uncomfortable .. this has happened only in cold weather . it is happening again .. this is borderli..."
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Welcome to the Triangle website
After years of being in business, we have a website! All the information you need about our store and what we do is right here. Feel free to look around our website and learn more about who we are and what we do. There is a Services section giving more insight as to what we can do for you. Take a look at the About Us and Team section for a look into who makes Triangle work and what we are about over here!


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Interview With Heri Loesen of Týr
Conducted by Erich Heintzelman
Photos Courtesy of Sarah Lutz and Metal Blade Records
I recently spoke with Heri Losen, the lead singer and guitarist of folk metal band Týr regarding the band's new album VALKYRJA. Heri gave some insight into the new album, spoke about the band's new drummer, and gave his take on the rise of Viking culture in entertainment in North America.
The new album Valkyrja is a concept album. Could you explain a little bit about the story and themes of this album?
HJ: The protagonist of the story is an anonymous viking. He leaves his earthly woman, for personal and patriotic reasons, and goes off to die on the battlefield. He intends to die bravely enough to make a valkyrie come and take him to Fólkvangr, the realm of Freyja, goddess of sex among other things. All his dreams come true in the end. Under the surface the album is about how women affect men more generally.
The promotional press kit for the album states the lyrics were written after most of the music and arrangements were already developed. Do you normally write the music before the lyrics or is it sometimes a combination of both?
HJ: Yes, I always write the music first and the lyrics after. The melodies are the most important thing in our music and the text are secondary in a way, although I still put great emphasis on them. But in the way I write music there is only one way to phrase a melody. We don't improvise or rephrase during concerts. Compare that to the fact that there are many different ways to say the same thing in a text. So I think it's easier to write the text according to the melody, and not the other way around.
Does the band write collaboratively or are most of the songs written by you Heri?
HJ: Most of the songs are written by me, but there is also some collaboration on some songs. Gunnar and I worked together on one, Terji and I on one and Terji also provided two songs for this album that he has written by himself.
Liv Kristine contributed vocals to "The Lay of Our Love". How was it collaborating with her? Did you have anyone else in mind if she was not available?
HJ: At Wacken a year ago I made a guest appearance with Leaves' Eyes. Liv offered to do some guest vocals for us in return. I asked my bandmates what they thought of that idea and we immediately agreed to take her up on her offer.
Kári Streymoy left before you were about to record the album. How much did that affect the timeline of the album's release?
HJ: That was not one of the reasons the recordings were postponed so many times. The release dates would have been the same with or without him.
What does George Kollias bring to the band that is different than Kári?
HJ: He is undoubtedly technically one of the best drummers in the world, but he is also a very tasteful musician. There is more variation and more energy in his playing and he found a wonderful middle ground between how our drums have usually sounded and what he's capable of. I think the result speaks for itself.
Týr is currently touring Europe. How has the reaction from the fans been so far?
HJ: Our first show is tomorrow, so I can't say yet. We have a lot of comments on our Facebook page from people who look forward to seeing us live, and the feeling is mutual. We also look forward to playing for the Europeans again.
How many times have you guys toured North America?
HJ: Six or seven times? I don't remember.
Speaking of the album, there are so many excellent tracks. Is there any one track that you feel perfectly captures the spirit of this Valkyrja?
HJ: That's very hard for me to say at this moment. It's often easier when you have seen and heard other people listen to it. Maybe Mare Of My Night is a good one to show you the general mood of the album, I don't know…
Viking culture is gaining in popularity in North America, with the History Channel show "Vikings" being about Ragnar Lodbrok and the Hollywood films about Thor. Do you see this as a good thing or as a corruption of the true heritage of Vikings?
HJ: I haven't seen that show, but if it's just retelling and reenacting history, I see nothing wrong with it. I'm all for increasing the general history knowledge, be it vikings or mongols.
There are two cover songs on Valkyrja, Iron Maiden's "Where Eagles Dare" and Pantera's "Cemetery Gates", two songs that I personally happen to love. The Iron Maiden choice seems to fit with your style, but what inspired you to cover "Cemetery Gates"?
HJ: A long time ago, sometime between By The Light Of The Northern Star and The Lay Of Thrym, we decided to cover the favourite song of each band member. Mine was I by Black Sabbath, Kári's was Stargazer, Gunnar's was Where Eagles Dare and Terji's was Cemetery Gates. The former two are the bonus tracks for The Lay Of Thrym and the latter two on this album. It's that simple 🙂
What are your plans for the next year? Any chance of a return tour to North America in 2014?
HJ: Yes, we will return to North America early next year for an extensive tour. We have long tour plans for next year, all in the works. Please look out for updates on our Facebook page.
Thanks for speaking with me guys! We are big fans of Týr at Metal Rules and we are digging the new album. Best of luck on the tour!
HJ: Thanks, and thanks for doing the interview. Hope to see you all sometime on tour 🙂
[youtuber youtube='http://www.youtube.com/watch?v=IzAmAN87nzY']


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The fanzine for your ears! We celebrate all eras.
It's a Halloween party, it's a Kruise pre-party, it's whatever you want it to be as we salute all of the thing things that go bump in the night in THE KISS ROOM!
I am joined by Bobby Dreher, Dorothy Jones, Joseph Anthony Polo from Podcast Rock City, Ken Mills, and more, PLUS we have THE KISS ROOM HOUSE BAND, Steve Campagna, Steve Foerst, and Fran Galanti, playing live in the studio! All of the tricks, treats, tunes and KISS talk that you expect every month in THE KISS ROOM!
Originally broadcast on Friday, October 14, 2016 via Montco Radio, where Music and Minds meet.
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- Beast of Burden (2018) 1080p WEB-DL DD5.1 H264-CMRG
- Wonder Wheel (2017) 1080p WEBRip 1.3 GB - iExTV
- Thor: Ragnarok (2017) 720p BluRay H264 Dual Audio [Italian+English] Ac3 5.1-MIRCrew
Category: Software
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Download source code for this project
Okay, It's been busy at home lately. I've been moving it. But I've been trying to find a little time every day to work on my XNA stuff, and I've got a much more complete menu system now.
I've made some changes:
- The menu now shows a default "Return" choice at the bottom of each list. This can be turned off by setting the "showBackChoice" boolean.
- The menu now has two types of choices, Normal and LeftRight. Normal choice will show their child choices as a separate menu when they are executed. LeftRight choices will show their child choices as a list to the left of the parent choice when they are SELECTED.
I've also made the sample code show a bit more info in the console as you are viewing the menu. The sample code initializes the menu as follows:
mainMenu.AddChoice("Choice 1″);
MenuChoice choice = mainMenu.AddChoice("LR Choice");
choice.AddLeftRightChoices(new string[] { "one", "two", "three" });
choice = mainMenu.AddChoice("Sub Menu");
choice.AddChoice("Sub choice 1″);
choice.AddChoice("Sub choice 2″);
mainMenu.ChoiceExecuted += new Menu.ChoiceExecutedHandler(ChoiceExecuted);
mainMenu.ChoiceSelected += new Menu.ChoiceSelectedHandler(ChoiceSelected);
mainMenu.ChoiceDeselected += new Menu.ChoiceDeselectedHandler(ChoiceDeselected);
So there you go. Pretty simple. If I make any more changes, I'll be sure to post them. Possible changes could be:
- using a proper spriteFont to display the text (so we could use something besides Times new Roman).
- making background images actually work.
- something I overlooked….
I've realized as I've been working on this that is might have been easier to just implement it using a full on tree, rather than a bunch of sneaky lists.


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Latest Poll Results
Last weak we wanted to know your favorite series of games. Since this is a PS2 site, it's not surprising that the top four series are largely associated with the Playstation - though it is a bit surprising to see Final Fantasy in second place. Nintendo based series took a beating as Mario and Zelda didn't manage to beat out Madden.
Metal Gear 13%
Gran Turismo 12%
Mario 3%
Resident Evil 6%
Madden 9%
Final Fantasy 23%
Zelda 6%
Sonic the Hedgehog 2%
Castlevania 2%
Grand Theft Auto 25%
Our latest poll is up on the front page, so cast a vote to show us what kind of gamer you are.
7/12/2004 Aaron Thomas
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By NICOLE HUTCHESON, Times Staff Writer
Published January 7, 2008
As an environmental specialist with the Healthy Beaches Monitoring program, Brandy Downing makes sure the 14 beaches in Pinellas County are safe for visitors.
The Florida Department of Health started the beach monitoring program in 1998, and it now encompasses the entire state. If water samples come back with high levels of contamination, a public advisory is sent out, as was the case on Friday when a warning was issued for North Shore Beach.
How does the Health Department conduct water testing and how often?
We conduct it every Tuesday throughout the entire year. And we sample 14 sites throughout Pinellas County. We go out into the ocean waist-deep - even when it's really cold - and take a sample about 18 inches below the water. We sample for fecal coliform as well as enterococci bacteria, commonly found in human intestine.
How do you measure it and when do you decide to close the beach?
We follow the guidelines that were issued through the Environmental Protection Agency. We list the results (as) good, moderate and poor.
What are some of the causes of contamination?
Storm water runoff and wildlife. We do also note any birds near the beach sampling site - they can influence it. Sewer overflow and human waste are other influences.
Are there certain times of the year when the beach gets contaminated more often?
During the heavy rainy seasons, the counts can be high due to storm water runoff. In the warmer weather, sometimes it can be heavier because of the many people who are actually visiting Pinellas County. But it's a bigger picture than that. If it was to rain very heavy and we had a lot of people in Pinellas County and say, our sewer system was overflowing, all those things would have an impact on the water quality.
What illnesses are caused by the bacteria you test for?
Those bacteria cause skin irritations, gastroenteritis and intestinal problems. And, of course, the bacteria we test for can mean other bacteria are in the water.
What should people watch out for when going to the beach?
Water can be clear and free of smell and it could still, unfortunately, not pass.
Are there ways people can help prevent poor water quality at the beach?
Everyone can help by conserving water. Everyone can help by picking up after their pets. Conserving water lessens the amount of water going into our system and that prevents any overflows. ... People should just be overall more conscious of their environment.
Advisories issued in 2007
North Shore Beach: Advisory issued Aug. 16, lifted Aug. 23. Advisory issued on Sept. 6, lifted on Oct. 9.
Treasure Island Beach: Advisory issued on Sept. 13, lifted on Nov. 1.
Mobbley Bayou Preserve: Advisory issued on Dec. 13, will be lifted on today.
[Last modified January 6, 2008, 22:08:56]
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Datura Cheats
Datura Unlockables
PS3 | Submitted by GamesRadarDatura Trophy List
Trophy List
Complete Map (Gold)
Draw the entire map by touching all white trees in the forest.
Marksmanship (Bronze)
Throw a stone into the bucket, in the well.
Rogue throw (Bronze)
Throw a ball out the window, at the shooting gallery.
Hands clean (Bronze)
Approach the fountain without a bottle and touch the fluid.
Gramophone (Bronze)
Listen to a jolly good record.
Improvisation (Bronze)
Play your favorite tune on the xylophone (ignoring the hints).
Secret Trophies
Hidden Trophy (Bronze)
Hidden Trophy (Bronze)
Hidden Trophy (Silver)
Hidden Trophy (Gold)


text:
The Circadian Spa
The Circadian Spa®
…Making night part of the stay
As conventional approaches to healthcare continue to fall short, there is growing recognition that optimal health is not simply about treating illness—it calls for a transformation of lifestyle. At the same time, the contemporary spa/resort is emerging globally as the new, definitive lifestyle resource.
Night, sleep and dreams play a critical, though largely unrecognized role in transforming lifestyle. A day is greater than the sum of its hours and night is the most neglected part of day. Guest satisfaction depends not only on the breadth of waking activities, but also on the depth of nightly rest. Poor sleep can compromise a guest's ability to enjoy even the most exquisite of spa experiences.
Based on a philosophy of Deep Green Sleep®, Dr. Rubin Naiman's Circadian Spa® is an innovative model that addresses night lifestyle through the adaptation of a broad range of creative programs, products and services for diverse spa/resort brands. Specific services include facility design consultation, program development, staff training, and guest workshops and individual consultations.
Intended to enhance guests' sleep, dreams and related experiences while augmenting branding and increasing revenue, Circadian Spa® services make the night part of the stay.
Dr. Rubin Naiman…
Dr. Naiman brings extensive spa/resort, wellness and training experience to the Circadian Spa® program. For more than a decade, he served as the sleep and dream specialist at Canyon Ranch Health Resort, where he founded the first formal sleep center at a spa. Dr. Naiman also established and directed the sleep and dream program at Miraval resort where, in addition to providing direct guest services, he assisted in the design of sleep aspects of residences and facilities.
Dr. Naiman has also been involved in the creation, development and marketing of exclusive sleep supportive products for the global marketplace.


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Defense Acquisitions:
Missile Defense Program Instability Affects Reliability of Earned Value Management Data
GAO-10-676: Published: Jul 14, 2010. Publicly Released: Jul 14, 2010.
Additional Materials:
- Highlights Page:
- Full Report:
- Accessible Text:
(202) 512-3000
Office of Public Affairs
(202) 512-4800
By law, GAO is directed to assess the annual progress the Missile Defense Agency (MDA) made in developing and fielding the Ballistic Missile Defense System (BMDS). GAO issued its latest assessment of MDA's progress covering fiscal year 2009 in February 2010. This report supplements that assessment to provide further insight into MDA's prime contractor performance for fiscal year 2009. Prime contractors track earned value management (EVM) by making comparisons that inform the program as to whether the contractor is completing work at the cost budgeted and whether the work scheduled is being completed on time. Our analysis of contractor EVM data included examining contract performance reports for 14 BMDS contracts, reviewing the latest integrated baseline reviews, performing extensive analysis of data anomalies, and conducting interviews with Defense Contract Management Agency (DCMA) officials--the independent reviewers of MDA contractor EVM systems.
Unlike GAO's reports in previous years, GAO was unable to analyze the EVM data for all MDA contracts. GAO determined that the data for the Ground-based Midcourse Defense (GMD) and Targets and Countermeasures programs were not sufficiently reliable to include in our report because of instability in these programs' baselines. When the baseline on which the work is performed and measured against is no longer representative of the program of record, program managers and other decision makers lose the ability to develop constructive corrective action plans to get the program on track. Specifically, without reliable EVM data, GAO was unable to identify significant performance drivers or forecast future cost and schedule performance. Because the two contracts associated with these programs represent half of the budgeted cost at completion for the 14 contracts GAO reviewed, GAO also determined it was not appropriate in this report to aggregate total projected underruns or overruns of the remaining 12 prime contracts as GAO has in prior reports. The GMD prime contractor performance data was not sufficiently reliable to use as the basis for analysis because the contractor was unable to update its baseline to include numerous changes to the program and modifications to the contract. Despite three large restructures since 2007 totaling over $2 billion, the GMD program has not conducted an integrated baseline review since December 2006. DOD acquisition policy states that an integrated baseline review is to be conducted within 6 months after contract award, exercise of contract options, or a major modification to an existing contract. The Director, MDA has taken extra steps to gain insight into the contractor's performance. Further, he intends to report EVM information to Congress annually. Similarly, the EVM data for the Targets and Countermeasures contractor is also not sufficiently reliable to use in our analysis. DCMA identified several issues with the stability of the Targets and Countermeasures program baseline including a large amount of schedule and quantity changes to planned flight tests and over 20 contract changes to the scope of work or corrective actions to quality issues for one of the delivery orders over the course of a year. Because the contractor has not been able to update the established budget in the baseline, the cost performance reports do not reflect an appropriate baseline against which to measure cost and schedule progress. Nine of the remaining twelve contracts experienced cost overruns for fiscal year 2009 mostly because of issues with maturing technologies, immature designs, or other technical issues. For example, the Airborne Laser contractor experienced a failure in some of the system's optics which required it to develop and procure new high power optics, delaying the test schedule and increasing program cost. GAO recommends that MDA resolve prime contractor EVM data reliability issues by the beginning of fiscal year 2011. If, by this time, MDA has not resolved these issues, the Secretary of Defense should provide a report to Congress on the steps MDA is taking to resolve them. DOD concurred with our recommendation.
Recommendation for Executive Action
Status: Closed - Not Implemented
Comments: In providing comments on this report, the Department of Defense concurred with this recommendation and has closed this recommendation based on actions taken by MDA. However, our assessment is that corrective actions were not completed prior to the beginning of fiscal year 2011, as stipulated in our recommendation. While DOD stated that the Missile Defense Agency (MDA) considered its fiscal year 2009 prime contractor performance data to be reliable, the agency still chose to implement an agency-wide integrated baseline review (IBR) process through fiscal year 2010 and into fiscal 2011. Over a course of several months prior to fiscal year 2011, seven IBRs were conducted on prime and major subcontractors for the Ground-Based Midcourse Defense program element with three more scheduled for fiscal year 2011 - which is after the completion date set in the recommendation. Although MDA was confident that these IBRs, conducted with the Defense Contract Management Agency (DCMA), demonstrated the fidelity of the data, the failure of GMD's flight test (FTG-06a) in December 2010 ultimately led to a restructure of the program which would again necessitate new IBRs before the earned value management (EVM) data can be collected and the reliability assessed. The Targets and Countermeasures (TC) program element also conducted five IBRs through fiscal year 2010 and fiscal year 2011, with the onsite support of DCMA. Three more TC IBRs were planned for fiscal year 2011 which also exceeded the timeline set in our recommendation. DOD currently lists this recommendation as closed, citing the events listed above, MDA EVM review processes that the agency believes ensure contract data reliability, and MDA leadership reviews of contractor progress using EVM data in quarterly Baseline Execution Reviews.
Recommendation: The Secretary of Defense should direct MDA to resolve prime contractor data reliability issues by the beginning of fiscal year 2011 and, if MDA has not resolved the data reliability problems, determine the barriers preventing resolution and provide a report to Congress on: (1) the steps MDA is taking to make its contractor data sufficiently reliable, (2) how the data reliability issues affect MDA's ability to provide oversight of its contractors, and (3) the effect these issues have on MDA's ability to report contractor progress to others, including Congress.
Agency Affected: Department of Defense
Explore the full database of GAO's Open Recommendations »
Feb 16, 2018
Military Recruiting:Army National Guard Has Implemented Internal Controls for Soldier Incentives but Needs to Better Plan to Maintain the Integrity of Those ControlsGAO-18-283: Published: Feb 16, 2018. Publicly Released: Feb 16, 2018.
Feb 15, 2018
Defense Acquisition Workforce:Opportunities Exist to Improve Practices for Developing Program ManagersGAO-18-217: Published: Feb 15, 2018. Publicly Released: Feb 15, 2018.
Feb 6, 2018
Military Personnel:Actions Needed to Better Position the Navy and the Marine Corps to Support Expanding Unmanned Systems OperationsGAO-18-162: Published: Feb 6, 2018. Publicly Released: Feb 6, 2018.
Jan 31, 2018
Foreign Military Sales:DOD Should Take Additional Steps to Streamline Process for Assessing Potential Recovery of Certain Acquisition CostsGAO-18-242: Published: Jan 31, 2018. Publicly Released: Jan 31, 2018.
Jan 18, 2018
Homeland Defense:Urgent Need for DOD and FAA to Address Risks and Improve Planning for Technology That Tracks Military AircraftGAO-18-177: Published: Jan 18, 2018. Publicly Released: Jan 18, 2018.
Jan 10, 2018
Defense Budget:Obligations of Overseas Contingency Operations Funding for Operation and Maintenance Base RequirementsGAO-18-202R: Published: Jan 10, 2018. Publicly Released: Jan 10, 2018.
National Security:Ongoing Review of the Military Selective Service Process Could Benefit from Additional InformationGAO-18-226: Published: Jan 10, 2018. Publicly Released: Jan 10, 2018.
Dec 21, 2017
Columbia Class Submarine:Immature Technologies Present Risks to Achieving Cost Schedule and Performance GoalsGAO-18-158: Published: Dec 21, 2017. Publicly Released: Dec 21, 2017.
Dec 18, 2017
Sexual Violence:Actions Needed to Improve DOD's Efforts to Address the Continuum of Unwanted Sexual BehaviorsGAO-18-33: Published: Dec 18, 2017. Publicly Released: Dec 18, 2017.
Dec 8, 2017
European Reassurance Initiative:DOD Needs to Prioritize Posture Initiatives and Plan for and Report their Future CostGAO-18-128: Published: Dec 8, 2017. Publicly Released: Dec 8, 2017.
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text:
India Denies Detaining NYPD Officer As Revenge
Last month, New York City police officer Manny Encarnacion was arrested in New Delhi for accidentally slipping three bullets into his suitcase. He's being detained in India until the case is closed, which has spurred American outlets to speculate on whether the arrest is thinly veiled payback for the Devyani Khobragade debacle.
According to the Wall Street Journal, New York Rep. Peter King declared that the charges were trumped up in a letter to Secretary of State John Kerry: "This excessive act by the Indian government is clearly politically motivated in response to the arrest of India's then-deputy consul general in December 2013 in New York for alleged visa fraud."
The New York Post definitively wrote, "India is getting revenge for Nannygate," while both the Post and the Journal noted that one of the officers who cuffed Encarnacion made a reference to Khobragade being strip-searched during her arrest.
Are Indian authorities still smarting from that incident? Hard to say. Weekly magazine India Today claims that's not the case: a senior official at Delhi airport said they simply held Encarnacion to the same standard that they would any Indian citizen: "If someone is carrying bullets in his baggage, it is against Indian law. There is a procedure to be followed in such cases. This is stand alone case, it has nothing to do with the Khobragade case."
As the New York Times pointed out, Encarnacion's lawyer did back this up and say the arrest "was as per the normal and standard legal procedure under which even Indians are arrested." He has also appealed to Indian authorities to drop the case, explaining that it was a genuine mistake on his client's part.
Daily newspapers like the Deccan Chronicle and The Indian Express honed in on the discussion of U.S.-India relations by State Department spokesperson Marie Harf:
"We've said we want to get past some of the tensions that have been there over the past several months and move on ... I think we feel like we've moved past this and hope the Indians have as well."
The Hindu added that the allegations of a connection between the two incidents were "dismissed as ridiculous" by the Indian Consulate in New York.
Maybe Encarnacion's arrest wasn't a tit-for-tat maneuver. That doesn't, however, mean India has closed the book on the Khobragade affair. In Outlook magazine, Foreign Secretary Sujatha Singh cited "residual issues" that she thinks still need to be sorted out—but she was quick to then say that the two countries could sit down and hash things out due to their long history of working together. For now, we'll have to wait for a giant pacifier to put this issue to bed.


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Come, let us bow down in worship, let us kneel before the Lord our Maker; for he is our God and we are the people of his pasture, the flock under his care. Today, if only you would hear his voice, "Do not harden your hearts as you did at Meribah, as you did that day at Massah in the wilderness,– Psalm 95:6-8 (NIV)
Today's commentary
by Dave Whitehead, Senior Pastor, GraceNYC.org
by Dave Whitehead, Senior Pastor, GraceNYC.org
Notice how the actions of worship are directly linked to a heart that is able to hear God. The day-to-day activities of life can harden us, so God gave us a time in the week to surrender, to praise, and to ultimately soften our hearts again. Don't miss an important part of the week to return to worship and in doing so, refresh your heart to follow Jesus.


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I have been crazy about this guy for over six monthsVisitor's Question from a 21-30 year old Female
I have been crazy about this guy for over six months. I hid my feelings from him. I flirted and threw hints at him, but I never told him exactly how I felt. Well, about two weeks ago I finally got up the nerve and told him. I felt like a complete fool because he has started dating someone steadly.
He is good friends with one of my friends. He told my friend that he didnt understand why I was pursuing him now when I had the opportunity a while back. The reason why I didn't then is because I wasn't really sure how he felt about me. Well, now that he knows how I feel he acts very cocky and has a major attitude. Sometimes he speaks to me and sometimes he doesn't. I am so confused. I don't know if I need to move on or just ignore him. I feel like if I don't ignore him then my feelings will continue to resurface. Thank you!
RomanceClass.com Advice
Well, if he wants to know why you didn't act then, send him a link to this post.
In terms of his attitude, don't reward negative behavior. When he acts like a jerk, ignore him. When he acts like a normal guy, speak to him. This way you will show that you still have your self-respect.
Next time, if you are attracted to someone, don't wait. Men are lousy at getting hints (generally speaking). You may also want to avoid dating at work or else you fall into situations like this.
-- from Marc
One of Your Friendly Advisors at RomanceClass.com
|Follow @RomanceClass
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This entry was posted on September 4, 2013 at 2:25 pm and filed under Bad Teacher,GOSSIP!,SEX SEX SEX,Uncategorized. You can follow any responses to this entry through the RSS feed.
Tags: Andrea Antrich - 24 - pleaded no contest in Pittsburg County District Court, Andrea Antrich admitted that she and the 17-year-old boy had an ongoing relationship, Andrea Antrich confirmed that she and the student did have a sexual relationship, Antrich was sentenced to a 10-year suspended sentence and the rest of the charges were dismissed, Former Oklahoma substitute teacher has received a 10-year suspended sentence in the rape of a 17-year-old, Miss Antrich of Quinton OK was originally charged with five counts of second-degree rape, Quinton Police Chief Tim Reavis was called to Quinton High School in Oklahoma, She faced up to 15 years for each count, The Police Chief got a tip a teacher was having an affair with a student


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Today our blog is being taken over by our intern Marisa! Halloween is one of her favorite holidays to plan. So who better than her to write today's post?
Happy October everyone! Today is the very first day of my favorite month of the year. Why you may ask? Because of Halloween of course!
As a child my mother would ask me what I would like to be for Halloween.
My costume ideas were always something well known such as; a witch, peter pan, or even a sailor. My mother did not like to buy costumes, she wanted to make sure my costume was unique and did not look like the other kid's costume.
Every year we would head to Downtown LA to go shopping for fabric.
She would then spend weeks sewing my costume together, and it always turned out amazing.
Now that I am older, putting together a costume is a lot more difficult. I, unfortunately, cannot sew quit as well as my mother did and my mom has stopped sewing costumes for me since I've left high school.
Thanks to Pinterest and blogs I now find easier and simple ways to make Halloween costumes.
Here are 10 easy DIY Halloween costumes for kids and adults.
Olaf Costume
Peacock Tutu
Bag of Jelly Bellies
Loofah Costume
Mickey Mouse
Candy Button Costume
Rib Cage T-shirt
Camp Counselors
Tooth & Tooth Fairy Costume
Simply Radiant Events is one of the most popular wedding and event planners Orange County, California. For more information, pricing, and availability drop us a line using our online inquiry form. We'll follow-up promptly and look forward to speaking with you!
Simply Radiant Events is an Southern California based premier full service special event planning company and boutique events public relations firm. We are one of a kind with
combining both an event planning company and PR firm in the luxury wedding, events and lifestyle industries. We plan, coordinate and design weddings, social, corporate and fundraising events and also provide public relations to leverage and promote your event. We offer a valuable service to our clients with professional advice and experience that will help streamline the process, save money and create a dynamic experience resulting in memories that will last a lifetime.
Your Orange County Wedding & Events Planner! Specializing in day of coordination, full wedding planning and everything between.
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Software Releases, Quarterly Dividends, and Upcoming Financial Results - Analyst Notes on Verizon, AT&T, CenturyLink, Frontier and Windstream
Editor Note: For more information about this release, please scroll to bottom
Jul 03, 2014, 06:40 ET from Analysts Review
NEW YORK, July 3, 2014 /PRNewswire/ --
Today, Analysts Review released its analysts' notes regarding Verizon Communications Inc. (NYSE: VZ), AT&T Inc. (NYSE: T), CenturyLink, Inc. (NYSE: CTL), Frontier Communications Corporation (NASDAQ: FTR) and Windstream Holdings, Inc. (NASDAQ: WIN). Private wealth members receive these notes ahead of publication. To reserve complementary membership, limited openings are available at: http://www.analystsreview.com/4398-100free. -- Verizon Communications Inc. Analyst Notes On June 25, 2014, Verizon Communications Inc. (Verizon) announced the immediate availability of its new solution, Verizon Virtual Visits to provide easy, convenient, and cost-effective way for patients to be seen remotely by a clinician for a cold, flu, sore throat, or other simple, acute conditions, through video on the patients' smartphone, tablet, or computer. The Company noted that Verizon Virtual Visits is built to provide an enterprise-class platform for health systems, health plans and employers to meet the needs of their specific patient or member population base. The full analyst notes on Verizon are available to download free of charge at: http://www.analystsreview.com/Jul-03-2014/VZ/report.pdf -- AT&T Inc. Analyst Notes On June 27, 2014, AT&T Inc. (AT&T) announced that its Board of Directors has declared a quarterly dividend of $0.46 per share on the Company's common shares. The dividend will be paid on August 1, 2014, to stockholders of record as of the close of business on July 10, 2014. The full analyst notes on AT&T are available to download free of charge at: http://www.analystsreview.com/Jul-03-2014/T/report.pdf -- CenturyLink, Inc. Analyst Notes On June 25, 2014, CenturyLink, Inc. (CenturyLink) announced that it will release its Q2 2014 earnings results on Wednesday, August 6, 2014, after the market closes. CenturyLink stated that on the same day it has scheduled a conference call at 4:00 p.m. CDT to discuss these results. The Company also informed that a live webcast of the call and a replay of the same will be available at the Investor Relations section of its website. The full analyst notes on CenturyLink are available to download free of charge at: http://www.analystsreview.com/Jul-03-2014/CTL/report.pdf -- Frontier Communications Corporation Analyst Notes On June 24, 2014, Frontier Communications Corporation (Frontier) announced that it intends to release its Q2 2014 financial results on August 5, 2014, after the market closes. On the same day, Frontier has scheduled a conference call at 4:30 p.m. ET to discuss these results. The Company also informed that the live webcast of the call and a replay of the same will be available at its Investor Relations website. The full analyst notes on Frontier are available to download free of charge at: http://www.analystsreview.com/Jul-03-2014/FTR/report.pdf -- Windstream Holdings, Inc. Analyst Notes On June 23, 2014, Allworx Corp (Allworx) a subsidiary of Windstream Holdings, Inc. (Windstream) announced the immediate availability of System Software Release 7.7 for its popular line of VoIP communication systems. The Company noted that the latest release offers Virtual Network Interfaces to allow the Allworx server administrator to separate voice and data by defining multiple virtual interfaces on a single physical interface. The Company stated that the new release also incorporates features for enhanced security. "With 7.7, we've provided a variety of very technical enhancements that expand networking options within our voice systems, augmenting system security and reliability," said Chris Hasenauer, Vice President and General Manager of Allworx. "This new release continues our commitment to delivering affordable and easy-to-use enterprise-class voice systems to our customers." The full analyst notes on Windstream are available to download free of charge at: http://www.analystsreview.com/Jul-03-2014/WIN/report.pdf -- About Analysts Review We do things differently. Our goal is to provide the best content to our exclusive membership. We are constantly hiring researchers, writers, editors and analysts to add to our team and become better than yesterday. If being a part of a fast growing community with an edge in today's market sounds interesting to you, then sign-up today and experience the full benefits of membership. =============== EDITOR'S NOTES: =============== 1. This is not company news. We are an independent source and our views do not reflect the companies mentioned. 2. Information in this release is produced on a best efforts basis by Rohit Tuli, a CFA charterholder. The content is then further fact checked and reviewed by an outsourced research provider. However, we are only human and are prone to make mistakes. If you notice any errors or omissions, please notify us below. 3. This information is submitted as a net-positive to companies mentioned, to increase awareness for mentioned companies to our subscriber base and the investing public. 4. If you wish to have your company covered in more detail by our team, or wish to learn more about our services, please contact us at pubco [at] http://www.analystsreview.com. 5. For any urgent concerns or inquiries, please contact us at compliance [at] http://www.analystsreview.com. 6. Are you a public company? Would you like to see similar coverage on your company? Send us a full investors' package to research [at] http://www.analystsreview.com for consideration. COMPLIANCE PROCEDURE Content is researched, written and reviewed on a best-effort basis. 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We didn't want to post this on Facebook to give it even more exposure – and more fodder for those who welcome the destruction of Israel – but honestly this has to be one of the must appalling, disgusting attempts at "satire" ever.
Yesterday, Israel's left-leaning newspaper, Haaretz, published this cartoon depicting Prime Minister Benjamin Netanyahu flying a plane with the name "Israel" into a skyscraper bearing a marked resemblance to the World Trade Center tower.
How is this "funny?"
The cartoonist, Amos Biderman, said, "It was certainly not my intention to insult or upset anyone. I wasn't sufficiently aware of the great sensitivity that 9/11 holds for Americans."
Dude, are you freakin' kidding me?
The Zionist Organization of America issued a condemnation saying, "It is utterly poisonous, hysterical and wrong to suggest that disagreement between an Israeli government and the U.S. Administration — a disagreement over vital matters of peace and security, in which the democratically-elected Israeli government has every right and duty to disagree if it sees fit — is comparable to an act of evil suicide terrorism of the 9/11 variety that struck the United States 13 years ago."
"It is impossible to believe that the editors of Haaretz responsible for the decision to publish this malicious cartoon could not have known that hatemongers across the world claim Israel engineered the 9/11 attacks, and promote other vicious anti-Israel lies. Given this, it was unconscionable for an Israeli paper, no less, to play any role in demonizing Israel with falsehoods. "
However, I have to admit being slightly perplexed by the statement from Abraham Foxman, National Director of the Anti-Defamation League who said "…it completely misrepresent(s) any tensions which may currently exist between the U.S. government and Mr. Netanyahu."
I must respectfully ask Mr. Foxman what planet he's living on, given the insulting treatment of Israel's Defense Minister and the "chickensh*t" comment emanating from the White House.
You may accuse those on the Left of many things, but they will never resist taking the cheap shot, and clearly have no shame living in the gutter.


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- Destinations
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Mongolia Travel Articles
- Why You Should Make Mongolia Your Next Asian Destination
A combination of old and new, wild and urban, Mongolia is an up-and-coming destination perfect for independent travelers. Heather Carson suggests eight experiences not to miss.
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- We Are Intrepid… Are You? [Sponsored Post]
This post is brought to you by Intrepid Travel. For more information on sponsored posts read here. We are Intrepid… Are you? Tell us and you could win a trip for 4 anywhere we travel… Do you like getting off the beaten path? Exploring a country under the surface, at the local level? Like to escape from […]
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- Mongolia for Beginners – Much More Than Expected
Marco De Oliveira was glad to be leaving the misery of Russia, the depressing faces, the smog and vodka. They were so happy to be going to a place that time has forgotten. His mind was filled with images of the magnificent hordes, tearing down the steppes of Mongolia.
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- The Alternative Olympic Games – Ulaan Baatar, Mongolia, Asia
This is the year the Olympic Games bandwagon controversially arrives in Beijing. While thousands of spectators are heading to China's sprawling capital, Mark Gilbey looks at another Asian capital pla
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- Around the World in 80 Poems – Mexico City, China, Mongolia, Russia
Graham Relton writes poetry about his around-the-world adventure, available in book form.
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- From Tiananmen Square to Red Square – Russia, China, Mongolia
Mark Gilbey recounts his Trans-Siberian adventure across 5,772 miles and three countries. Per mile, it remains one of the cheapest journeys in the world.
Read more
- Trans-Mongolian Express – Cairo to Beijing
Kuan Sng recounts his experience getting that rare transit visa in hand, his two full days in Moscow (reflected as one calendar day on his application), and the weeklong train journey (a tri-monthly c
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- Togrogging in Mongolia – Mongolia
With a small bakery worth of bread, some Trans-Mongolian train cuisine, crates of water, 2 drivers and bags of apples and mandarins to take the edge off off their favourite Mongolian vodka, Alan Foxto
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- Across the Steppe to Kh�vsg�l Nuur – Mongolia
A drunk driver, copious amounts of vodka and even
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- Vodka and Politics – Mongolia
Francis Wilson's Mongolian guide and driver can't
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Natasha Richardson was a celebrated actress before her death five years ago; with credits in "The Parent Trap" and "Evening", her career spanned four decades and was still going strong when a tragic accident left her in a vegetative state. Now, her husband, Liam Neeson, opens up about his loss and the pact the two of them made before that fateful day on the ski slopes.
"She was on life support...I went in to her and I told her I loved her, said 'Sweetie, you're not coming back from this, you've banged your head'...she and I had made a pact, if any of us got into a vegetative state that we'd pull the plug...that was my immediate thought...'Okay, these tubes have to go. She's gone'," he said.
Neeson, who has become known as an action star not to be messed with over the years, admits it's still hard to accept the loss of her even after all this time.
"[Her death] was never real. It still kind of isn't," he says in an interview with Anderson Cooper. "There's periods now in our New York residence when I hear the door opening, especially the first couple of years...anytime I hear that door opening, I still think I'm going to hear her...It hits you. It's like a wave. You just get this profound feeling of instability...the Earth isn't stable anymore and then it passes and it becomes more infrequent, but I still get it sometimes."
In an in-depth interview with Esquire from 2011, Neeson shared some very intimate scenes from his life post-Natasha, such as the fact that her dog, a tiny poodle, had mourned right along with him after her death and had seen him through it, attaching to him and making him her owner. In some ways, that was difficult in itself.
"It's Natasha's dog. A tiny, tiny little poodle. And I don't like walking it. I don't want my picture taken walking in the park with her poodle. Too dramatic, too sad. It's her dog. Hers. And people know that. So...It's a thing for me just now," he said.
These days, the action star takes comfort in the fact that Richardson was an organ donor who saved three lives.
"Donated three of her organs, so she's keeping three people alive at the moment...her heart, her kidneys and her liver. It's terrific...and I think she would be very thrilled and pleased by that," he said.
Image via Wikimedia Commons


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[Editor's Note: In retrospect, Dr. Helen Hye-Sook Hwang, Founding Director and Co-editor of RTM, has recently nominated Rosemary Mattingley as Co-founder of RTM for her essential role with an unflagging commitment at the time of beginning years and to this day. This essay is a response to that nomination. We are truly blessed and privileged to have Rosemary with us! Thank you, Rosemary!]
Thank you deeply and sincerely, Helen, for the honour of nominating me as Co-Founder and Co-Editor of the Return to Mago E-Magazine.
I'm so grateful for what I've learnt and experienced in so many ways over these four years since RTM started. It apparently came about because I signed a petition against construction of the Jeju Island naval base in Korea, which is opposed by most locals.
I would have signed even if I hadn't had any connection to Korea. However, I wouldn't have been so deeply touched for the need to sign if I hadn't been fascinated by Korea since the age of nine and if I hadn't visited Korea with my mother in 1982. A few years previously, she had attended a conference where she met a German man whose wife was originally from Jeju. When we went to Korea, we met him and his family in Seoul, and visited his wife's family in Jeju.
So when I saw the petition against the Jeju naval base five years ago, I signed immediately, and was soon added to the 'No Naval Base on Jeju!' group on Facebook. The thought of such construction and what it was destroying really tore my heart. Helen, who was also a member of that group, sent me a friendship request and added me to the Mago Circle on Facebook.
In mid 2012, she posted a request in the Mago Circle for editors for her new venture, the Return to Mago E-Magazine. As I try to be open to new possibilities, especially where I can learn and serve using my skills, I hesitantly offered to be an editor, while stressing that this was not my field so I knew next to nothing about Magoism or Goddess. Helen took up my offer, and RTM developed from there, with a great deal of hard work on her part. Since childhood I have loved folk stories, and have pursued various esoteric paths for years, so I could see connections to and expansions of those deep interests in this new editing work.
I studied Japanese at university in Australia, then received a M.Ed. degree and worked in Japan, doing both paid and voluntary work. It was during my eight years there that I visited Korea and studied some Korean at adult education classes. I also visited Taiwan, China and Mongolia, to which I had an inexplicable attachment at the age of seven. So I was already very familiar with East Asia when I joined RTM and was delighted to use this knowledge for RTM editing. After leaving Japan, I travelled, studied and worked in various capacities in different parts of the world: three years on the Indian subcontinent, including Pakistan, six months in Turkey and the Middle East, two years in Europe, and nine in South Africa. After returning to Australia 11 years ago, I spent a short time on Australian Aboriginal country, helping to finalise a dictionary cum encyclopaedia that a man from the Adnyamathanha community had been compiling for 25 years. I learnt and studied a lot about different cultures and faiths in all of these regions, and have been surprised and pleased how often this understanding and knowledge has been useful in RTM editing.
Through RTM, I have learnt so much about Magoism and Goddess. And, at Helen's gentle insistence, I've learnt blogging skills, which I've also used for my mother's and my blogs. (My mother is an author who has had more than 50 books published.) Most importantly, through RTM work and through participation in the 2014 Mago Pilgrimage, my inner life has broadened and deepened through Magoism, a spiritual path which I had had no idea existed before I met Helen.
I love the way life spirals and brings me back to somewhere I have been before, whether it's an actual place or an inner path, yet at a much more profound level. And I love the way it brings openings that I'd never dreamt of. How could I have known when I wanted to find out about Korea at the age of nine, or in my desire since 1982 to visit Korea again, that I would be Co-Founder and Co-Editor of the Return to Mago E-Magazine and experience Magoism? As well as my mother's connection to Korea that took me to Jeju, I believe that I have connections across this and other lifetimes that brought me back to Korea and Magoism. So it's fitting that I've worked to build the foundations of the Return to Mago E-Magazine.
My blog: nur810.wordpress.com
Read (Meet Mago Contributor) Rosemary Mattingley.
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Take one aspiring cook, one judge, and a spoonful of romance...When Zoe Harper wins a coveted place in a televised cookery competition she's thrilled. It's a chance to cook her way to fame and fortune and the little delicatessen she's set her heart on. The first task has hardly begun when she finds herself with rather too much on her plate. Not only has she got to contend with the fiercely competitive and downright devious Cher, but she's fast developing an inconvenient crush on one of the judges - the truly delicious Gideon Irving.
All too soon there's more than canapés, cupcakes and cordon bleu at stake. Will Zoe win the competition or is Gideon one temptation too far? And is Zoe really prepared to risk it all for love?
©2012 Katie Fforde (P)2012 Isis Publishing Ltd, published in the UK by Random House Audiobooks
"Yet another delicious read from the writer who never disappoints." ( Press Association)
"This fun and witty novel combines mouth watering recipes, a beautiful location and an intriguing love story and is an absolute must read for all Fforde fans." ( No.1)
"An entertaining romance and escapist read." ( Living North)
"Heart-warming, uplifting and thoroughly enjoyable." ( Townswoman magazine)
"Another perfect Fforde..."
As ever, Katie Fforde gives us another cheery, polite romance! I am a huge fan of hers, the only negative thing I can say about this is that it is so obvious she was watching the bake off and masterchef whilst writing! But a perfect, summer read, and read beautifully by Jenny Funnell.
"Warm and comforting reading"
This is great for listening to if you're feeling a bit down as it's bright, cheerful and lovely! The story is a bit predictable but in a good way - the heroine is easily warmed to as she's very personable and the other characters are all very well written too. It does make you feel hungry though, my tummy was rumbling at the descriptions of the food being cooked. And it definitely increased my need to make cake!
"Really great"
I really enjoyed listening to this audio book. The story is great and I loved the characters as well as all the descriptions of food. Also the narrator does it very well and is not annoying like so many are. It's the perfect voice for the book.
"easy listening"
really enjoyed this story of zoe a contestant in a cooking contest
it. had all the elements of a good story,zoe likeable main character, cher as the opposite and Gideon the romantic interest.
recommend as a light read/listen.
"Wow! Really enjoyed it😊"
Romantic, capturing @ whole time. Great story and very well read. I am a big fan of Katie Fforde😊
"Entertainingly romantic"
Some incidents of humour and pathos which held the story together. The setting not the usual Gloucestershire but just over the border so Katie can be forgiven. I liked the way the recipes were touched upon, without dominating the story, but rather enhanced the characters personalities. A good audio book to listen to when on a summer holiday.
"Good fun with a modern twist"
Probably - lots going on, not always true to life but close enough to help imagine it occurring
Other Katie Ffords
Not moving per se, but the wet mattress scene sticks in my mind!
"Light and breezy like whipped cream"
Having listened to some meatier books, I enjoyed this novel for its' simple delicate charm. I cared about the characters, booed in the right places, enjoyed the plot and was entertained. Zoe's character was good fun & Gideon wasn't your average 'shiny' man. He had depth and rough edges that made him believable. Katie Fford's offering to me was like a light meringue with whipped cream, sweet but not too sickly and refreshing if served between two heavier courses (I am seeing visions of steak and a cheese platter). I shall stop now before you are assaulted by more food analogies! If you like Fford, you'll enjoy this delicious escapism!
"Good characters! Very light."
Not my favourite of Katie Fforde's books, but I do like her writing. A good old story without all the bad language just a good bit of storytelling I have recommended this to my friends not too predicable but enjoyable lightweight fiction.
"good fluffy book"
i really enjoy katie ffordes books,there light and you often get an idea of how the story wll pan out within the first few chapters but always a few good twists and turns to keep you interested and make you laugh,read well,i would recomend this to a friend,
Voice of reader and story itself.
Made the characters come to life.
No, just thoroughly enjoyed it.
I love Katie Fforde and this is my favourite book by her to date.
"Well crafted story"
The story's strength is dialogue and ridiculous, funny situations, not clever plot and suspense. The characters are human, well distinguishable and believable. They are not mean, saints in disguise or boring gray non-entities.
The story is "compact" in that it doesn't have complicated side plots and doesn't verbosely narrate scenes to the bitter boring end ... but sometimes it is a bit too compact and sketchy .. as though the author felt she had more to say, but the need for minimalism tied her tongue.
As in a Jane Austin romances you will know early on who the lucky couple is. Not a problem since "Getting There" is what it's about.
The reader is no Kate Reading, but she works for the story and didn't distract me anymore after a short while.
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Illumination is crucial to love. Instead of the obvious expenses component, include some eye–catching lights to the area, ideally with dimmer buttons. A little accent light on the cabinet will certainly invite you right into the winter season room as the days obtain much shorter. Bedside lights must have several watt light bulbs to change the light for analysis, obtaining clothed or whatever else enters your mind. If you are truly aiming to make a declaration, include a tiny light fixture on a dimmer. Right so enchanting?
Not only does lighting the fireplace in your bedroom keep you warm in the cold winter nights; it also makes the atmosphere within your bedroom more dramatic and appealing. However, in order to make the most of this option, ensure that your fireplace is working effectively. This is because inefficiency of your fireplace might send the much needed heat up the chimney instead of circulating it within your bedroom to keep you warm.
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Companies Stop Selling Bonds as Costs Jump by 40%: Euro Credit
"Company bond sales have ground to a halt in Europe, with August poised to end without a single offering as the sovereign debt crisis drives borrowing costs up by 40 percent.
"When spreads are moving so quickly, it's very difficult to see clearly how to price new issues," said Olivier Casanova, the head of financing and treasury at PSA Peugeot Citroen in Paris, which last sold bonds in euros on June 15. "Conditions are very volatile.""
- Other news, headlines and opinion:
European Banks Criticized Over Greek Writedowns and Regulator stokes fears over European bank capital
Japan public fund's assets drop sharply in April-June
Bank of Italy warns weak growth could hit debt plan
ECB spent $9.6 billion last week on govt bonds
United States Postal Service Hopes for Federal Help as Debt Grows
Central Falls receiver cutting pensions further
Back to school blues: 800 workers to get pink slips on first day
Report says nation lost 2,000 mortgage jobs so far this year
New cuts to health services for the poor take hold in October (NC)
European Economic Confidence Falls Most Since December 2008
Trichet says growth in Eurozone could be weaker than expected
Canadians carrying debt longer than expected: poll
Revised Canterbury quake bill exhausts disaster fund (NZ)
Wealthy Use Auctions to Sell U.S. Mansions as Homes Languish on the Market
Disruptions to Food Supply to 'Ratchet Up Prices,' Olam's Verghese Says
Noda Faces Short Honeymoon in Drive to Increase Taxes After Succeeding Kan (Japan)
China Faces Dwindling Labor Supply
Fed's Evans favors strong policy accommodation
Italy struggles through first debt sale since ECB buying (Video)


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Yoga means union, so let's yoga this country together for the good of the planet.
Listen to this Ted talk. This young soul has an incredible outlook on life. It humbles me to hear his courage and his words. Sam is no longer with us but his words will remain with you forever.
Yoga mats can keep us from slipping in Triangle pose, but they are also great for our four legged friends too. We love our dogs around here and what they teach us too.
Quite a story from Stephanie Snyder, a yoga teacher who went through a dark time, but her practice and her journey becoming a yoga teacher gave her some profound insights by applying some ancient wisdom.


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Nitric oxide-releasing platform shows woundcare potential
In the study, animals with excisional wound MRSA infections were divided into three groups and were treated topically with the NO nanoparticles, were treated topically with the nanoparticles alone, or were left untreated.
Follow-up with clinical, photographic and microbiological assessment of the infected wounds through day seven postinfection showed the NO-nanoparticle treatment had bactericidal activity and accelerated wound closure. Histological assessment confirmed that it eliminated bacterial burden as well as decreased suppurative inflammation and minimized collagen degradation.
"We are excited about the results from our first translational project that suggest the potential clinical efficacy of the NO-releasing nanoparticle technology as a novel treatment for cutaneous infections and wounds," says Adam Friedman, M.D., chief resident, division of dermatology, Albert Einstein College of Medicine and co-inventor of this technology. "Antimicrobial activity of NO and its importance in wound healing have been recognized for decades and have motivated intensive research efforts to create delivery systems that could harness NO as a useful therapeutic. Other investigators have fallen short of achieving this goal either because of issues with efficacy, safety and/or cost."
"All of the components used in our platform are found on the GRAS (Generally Recognized as Safe) list, and so far it has also been shown to be completely nontoxic in comprehensive safety testing conducted in both in vitro and in animal models. Our research and development efforts are continuing with the hope of bringing this promising technology to the bedside," he adds.
An ingenious method
Richard B. Weller, M.D., senior lecturer, department of dermatology, University of Edinburgh, Scotland, is a leading researcher on the effects of NO on the skin. In a commentary accompanying the published study, Dr. Weller notes that the Albert Einstein College of Medicine team had developed "an ingenious method of storing NO."
"This is an interesting approach to the problem of storing nitric oxide in a form which allows release at the desired site of action," Dr. Weller says. "The group from Albert Einstein College has shown promising data for the use of their technology in the treatment of infected wounds."
The nanoparticle platform is a hybrid composite, combining properties of silane-based hydrogels and sugar-derived glasses. An initial evaluation using real-time amperometric analysis to determine its performance in releasing NO showed that it provided controlled and sustained delivery for greater then 24 hours.
Microbial and wound-healing studies were then performed under the guidance and leadership of Joshua Nosanchuk, M.D., associate professor in the departments of medicine and microbiology and immunology at Albert Einstein College of Medicine. In evaluating the in vitro antimicrobial activity of the platform against 20 clinical strains of S. aureus, including 11 MRSA strains, the results indicated the bacteria were 100 percent susceptible, and monitoring with transmission electron microscopy documented a series of cellular changes culminating in complete bacterial cell lysis within 24 hours.
In the animal study, 5 mm punch biopsy wounds were created and inoculated with 107 colony-forming units of MRSA. Clinical evaluation at both days three and seven showed that the wounds in the NO-nanoparticle treatment group exhibited less erythema, induration and crusting and were also significantly smaller than in both control groups.
Histological assessment of tissue removed at seven days demonstrated absence of bacteria, less inflammatory infiltrate and cellular necrosis and evidence of accelerated wound healing with the presence of increased fibrin deposition.
"It is well-known that after the inflammatory stage of wound healing is completed, NO aids in the recruitment and mobilization of keratinocytes and fibroblasts, stimulates both the production of collagen and angiogenesis, and directs wound closure. While our study methods have not proven these biological effects, our evaluations of potential mechanisms suggest that the NO treatment protected against collagen destruction by eradicating the bacteria and reducing infiltration of inflammatory cells," Dr. Friedman says.
Moving ahead
Current and future research plans for developing the NO-releasing nanoparticles as a treatment for cutaneous infections are extensive and include investigations of its effects on wound healing beyond seven days, as well as in the setting of comorbidities such as diabetes. Its efficacy in treating infections of varying tissue depths or caused by other resistant pathogens is planned for study as well.
"One of the benefits of nanotechnology is the opportunity for enhanced skin penetration, which suggests our platform may be useful for treating deeper infections, such as abscesses," Dr. Friedman notes.
Recognizing that medical comorbidity is a common feature in patients with refractory wounds, studies are also being planned using diabetic and immunocompromised animal models. Investigators are currently evaluating the efficacy of the NO-releasing nanoparticles against pathogenic fungi, malaria, Mycobacterium, leishmaniasis and other multi-drug- resistant bacteria.
"NO has broad-spectrum antimicrobial activity because it is directly cytotoxic. While there is some evidence that resistance can develop — for example, certain species of Staphylococcus have been reported to generate an enzyme that can scavenge NO produced by the body — we believe this issue can be easily overcome with an extrinsically delivered source of NO, where we can manipulate the amount and duration of NO exposure," Dr. Friedman says.
"Not only can our nanoparticle platform be modified to regulate the amount of NO release, but as another attractive feature, surface treatments can be applied to achieve tissue specific targeted delivery," he adds.
Dr. Friedman emphasizes that the project represents a multidisciplinary collaboration, including members from the division of infectious disease, department of microbiology and immunology and department of physiology and biophysics.
Dr. Friedman is co-senior author of the published paper together with Dr. Nosanchuk and Joel Friedman, M.D., Ph.D., department of physiology and biophysics, co-inventor of the nanotechnology.
Dr. Friedman also wishes to recognize the contributions of Luis Martinez, Ph.D., and George Han, M.S., who are co-first authors and members of the collaborative program.
Disclosures: Dr. Friedman is on the scientific advisory board of Makefield Therapeutics, a privately held biotechnology company that has licensed this nanotechnology from Albert Einstein College of Medicine.


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