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25 Places to Stay, From the Mountains to the Shore
Whether you're seeking the brisk mountain air of Western Maryland, the fun-in-the-sun of Ocean City, the historical and cultural attractions in the Central and Capital regions, or some quiet time in the southern part of the state, you can find top-notch accommodations close by. From homey Victorian inns to rustic lodges to elegant, art-filled hotels, Maryland has something to suit your lodging needs.
Here are 25 places to consider the next time you're searching for a room, campsite, or cabin to rest your head during your travels.
1 Carmel Cove Inn, Deep Creek Lake
If you're looking for that "Zen" experience, stay at this former monastery nestled in the quiet woods of Deep Creek Lake. Sit around the nightly bonfires. Meet fellow travelers in the inn's common room. Enjoy the complimentary use of bikes, fishing gear, cross-country skis and more. Guests also receive a full breakfast and beverage bar.
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Hotels & Motels
105 Monastery Way
Deep Creek Lake, MD 21541
2 Deep Creek Rentals
Put the car keys away and get ready to relax because the Deep Creek experience brings you back to nature. Choose from a plethora of rental properties from companies including Railey Mountain Lake Vacations and Taylor-Made Deep Creek Vacations. Coldwell Banker Deep Creek Realty's Water's Edge is aptly named, as the lake gently laps at the property's dock. Walk to nearby shops and restaurants, or grill some dinner and chill out by the fire pit. For true tranquility, enjoy the stunning views from Cabin in the Woods. After a long day of boating or skiing, spend the evening star-gazing from your hot tub.
3 Antietam's Jacob Rohrbach Inn B&B
Surrounded by Antietam Battlefield, this Sharpsburg 1804 landmark is close to both Harpers Ferry and the C&O Canal. With beautiful private rooms, full country-style breakfasts bicycle rentals, and battlefield guides this makes a for a perfect escape.
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Bed & Breakfasts and Inns
138 W. Main St
Sharpsburg, MD 21782
4 Little Orleans Campground
Choose from tent and RV sites as well as cabins for rent at this campground located on 222 acres of land in the upper Potomac River valley. It's the perfect home base for a day of hiking, horseback riding, or boating. There's even a fishing pond on the property.
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Cabins & Lodges
31661 Green Forest Dr, SE
Little Orleans, MD 21766
5 The Rocky Gap Casino and Resort
Spend your day receiving a hot stone massage and an organic herbal body scrub in the spa, or hit the links at the resort's Jack Nicklaus Signature Golf Course. At night, check out the comedy club, musical performers, and slot machines and table games in the casino, then retire to your luxurious suite. This is living!
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Conference Centers
16701 Lakeview Dr NE
Flintstone, MD 21530
6 Bethesda North Marriott Hotel & Conference Center
This hotel provides lodging in close proximity to D.C. with budget-friendly rates. Located near the White Flint Metro Station, a short train ride gets you into downtown Bethesda, Rockville, and D.C. Enjoy on-site dining, a fitness center and a heated indoor pool, plus a Concierge level with a lounge that serves up continental breakfast, evening hors d'oeuvres and beverages.
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Hotels & Motels
5701 Marinelli Road
North Bethesda, MD 20852
7 The Bolger Center, Potomac
A campus-style retreat just 15 minutes from the White House, this center has a free shuttle to the metro station. With 83 acres of land, The Bolger has more than enough to keep you occupied, including nature trails, tennis and basketball courts, bike rentals, a Junior Olympic indoor pool, a team-building ropes course and more.
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Conference Centers
9600 Newbridge Dr
Potomac, MD 20854
8 Pleasant Springs Farm Bed and Breakfast, Boyds
Staying here means you've got 30 acres of gardens, woods and pastures all to yourself, as well as the charming, lovingly restored 18th-century house. There are sheep and hens right outside and ample fishing nearby, all located between D.C. and Frederick. Open April 1–October 31.
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Bed & Breakfasts and Inns
16112 Barnesville Rd
Boyds, MD 20841
9 Ole Mink Farm, Thurmont
Operated by the same family for five decades, this campground offers several rustic wood cabins with Wi-Fi and other modern amenities. There are also spots leased yearly for those looking to park their RVs and return weekend after weekend.
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Cabins & Lodges
12806 Mink Farm Rd
Thurmont, MD 21788
10 Catoctin Guest Hideaway, Frederick
This rental property will let you truly commune with nature. It's next to the Frederick City Watershed, which is bordered by Gambrill State Park on the south, and Cunningham Falls State Park on the north. Its convenient location makes it easy to get to Gettysburg, about 30 miles north, or Washington, D.C. and Baltimore, both 60 miles away.
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Vacation Rental Properties
10809 Gambrill Park Rd
Frederick, MD 21702
11 Hunt Valley Inn
This hotel puts you smack in the middle of some of Baltimore County's best hot spots. There's excellent shopping and dining just a few hundred yards away. A few miles further is the course for the Maryland Hunt Cup, one of the world's most difficult steeplechase races. There's also Oregon Ridge Park, which annually hosts the Baltimore Symphony Orchestra's Independence Day concert, complete with spectacular fireworks.
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Hotels & Motels
245 Shawan Rd
Hunt Valley, MD 21031
12 The Historic Inns of Annapolis
Actually comprised of three boutique hotels housed in buildings dating back more than 200 years, this is quintessential Annapolis, filled with history. The Maryland Inn has hosted celebrities and presidents, and gives guests fine views of the Chesapeake Bay. The Governor Calvert House was home to two former governors. The Robert Johnson House overlooks the Maryland State House and Governor's Mansion.
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Hotels & Motels
58 State Cir
Annapolis, MD 21401
13 Hotel Monaco Baltimore
This hotel was formerly the historic B&O Railroad Headquarters near the Inner Harbor. Both elegant and modern, The Monaco hosts a complimentary wine hour each evening and is situated near tourist attractions such as the National Aquarium, Baltimore Convention Center, and Oriole Park at Camden Yards. Fancy doesn't mean it's not family-friendly, though—the hotel offers bunk bed rooms with video game systems for kids. Pets welcome.
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Hotels & Motels
2 N. Charles St
Baltimore, MD 21202
14 Ramblin' Pines Campground, Woodbine
This campground is situated close enough to tour either D.C. or Baltimore for a day while still returning to the tranquility of nature at night. With 200 RV spots, numerous cabins and several tent sites, the options are endless. There's also a fishing pond, swimming pool, mini-golf, and something called a jumping pillow, which sounds like reason enough to visit.
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801 Hoods Mill Rd
Woodbine, MD 21797
15 The Spencer-Silver Mansion, Havre de Grace
Located in one of the "best small towns to visit" (so named by Smithsonian magazine), this B&B spares no detail. There are cozy parlor rooms and five fireplaces in the main house, and a double-occupancy whirlpool bath in the separate carriage house. All this just a short walk from the iconic Concorde Point Lighthouse—which has stood sentry over the majestic Chesapeake Bay since 1827.
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Bed & Breakfasts and Inns
200 S Union Ave
Havre de Grace, MD 21078
16 Chesapeake Charm, Point Lookout
Sleeping up to nine people, this house sits on a 15-acre crop farm on St. Jerome's Creek, and provides crab pots, fishing rods and two kayaks for renters. You can stroll out onto your private dock to sip morning coffee, go crabbing, or jump in a boat (if you brought one).
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Vacation Rental Properties
50176 Dove Cove Rd
Dameron, MD 20628
17 Chesapeake Beach Resort & Spa
You'll go for the picturesque views out over the bay of Calvert Cliffs, but you'll stay for the three restaurants and spa. Bring a group out to go fishing on a large charter fleet. There's also gaming—via video tab pull machines and bingo—as well as an array of other outdoor activities.
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Hotels & Motels
4165 Mears Ave
Chesapeake Beach, MD 20732
18 Cove Point Lighthouse
For a unique place to rest your head, stay in a refurbished lighthouse keeper's house. Located at one of the narrowest points of the Chesapeake Bay, the views here are breathtaking. Though the functioning lighthouse still welcomes guests, there's a private beach for renters. Best of all, revenue from the rental supports the Calvert Marine Museum.
More about Cove Point Lighthouse & Keeper's Cottage
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Vacation Rental Properties
3500 Lighthouse Blvd
Lusby, MD 20657
410-326-2042, ext. 17
19 Goose Bay Marina and Campground
For an avid camper, it doesn't get better than camping right on the edge of the water. This site has 90 RV-ready spots available, plus three bath houses and other amenities. To accommodate boaters, there are three ramps and 250 wet slips available.
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9365 Goose Bay Ln
Welcome, MD 20693
20 Rosewood Manor, Port Tobacco
This 1930's-style French mansion, located on three acres, has been lovingly restored to reflect period details. Start your day off right with a complimentary breakfast (the blueberry muffins get rave reviews from guests), and take advantage of the three multi-purpose rooms and peaceful gardens surrounding the property that make for a quiet retreat.
More about Rosewood Manor
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Bed & Breakfasts and Inns
7825 Locust Pl
Port Tobacco, MD 20677
21 Inn at Huntingfield Creek, Rock Hall
Water and nature lovers will find paradise here. Take a relaxing walk on the nearby trails through meadows and forests, then return to your guest room or fully-furnished private cottage. Visit the nearby Waterman's Museum and learn about one of Maryland's most vital and historic industries, then stop at Waterman's Crab House and Dock Bar to taste the succulent seafood resulting from that labor.
More about Inn at Huntingfield Creek B&B, LLC
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Bed & Breakfasts and Inns
4928 Eastern Neck Rd
Rock Hall, MD 21661
22 Edge Hotel at Fager's Island, Ocean City
These sophisticated rooms in 12 distinctive suites have one thing in common: the awe-inspiring views of the Bay through their expansive windows. There's also easy access to Fager's Island Restaurant, which has an extensive craft beer menu and second-to-none sunset views.
More about The Edge Hotel at Fager's Island
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Hotels & Motels
200A 56th Street in the Bay
Ocean City, MD 21842
23 Hyatt Regency Chesapeake Bay Golf Resort, Spa and Marina, Cambridge
On the Choptank River in Cambridge, this 400-acre resort gives you access to one of the state's best golf courses, The River Marsh Golf Club, as well as one of its most charming towns.
More about Hyatt Regency Chesapeake Bay Golf Resort, Spa and Marina
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Conference Centers
100 Heron Blvd
Cambridge, MD 21613
24 Historic Kent Manor Inn, Stevensville
This stunning waterfront property, first built in 1820 and refurbished, sits on 220 acres of farmland, woods and waterfront, with 24 guest rooms. Wander the grounds for picturesque water views and gardens.The inn provides a fresh complimentary deluxe continental breakfast for guests, and there's a Sunday champagne brunch buffet, too.
More about Historic Kent Manor Inn
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Bed & Breakfasts and Inns
500 Kent Manor Dr
Stevensville, MD 21666
25 Five Gables Inn and Spa, St. Michaels
This inn is located in four historic houses. Take a short walk to nearby shops and restaurants, or spend the day exploring the Chesapeake Bay on a charter boat. Go for a swim in the indoor pool, then stop by the sauna and steam room. Your four-legged friends can join you in one of the pet-friendly rooms. Visit off-season and take advantage of their special off-season packages.
More about Five Gables Inn & Spa
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Bed & Breakfasts and Inns
209 N Talbot St
St. Michaels, MD 21663


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Are you glad that the Holiday's are over with until warmer weather? I know that I am.
Are you glad that the Holiday's are over with until warmer weather? I know that I am. It seems like about mid November to Christmas, there is something going on every weekend. There was one Saturday that I wanted to be at four places at the same time.
One thing that I will miss is the bell ringers out in front of the stores. Every time I walk past them and not donate, I am getting stronger for the rest of the year. Now I can drive by the men and women standing on the street corner begging for money and not feel guilty.
You wouldn't believe how many people that walk the truck stops parking lots begging for money. Everyone runs out of gas at a truck stop which is convenient since everyone parked there, has a "JOB"! I have gotten use to saying that I'm broke and that is why I am there working.
I did have one man come up to me at a 7-11 and asked if he could have a dollar to buy a beer. I was in shock and gave him two dollars. He didn't pretend to be out of gas or hungry, he was thirsty. He bought two beers and came out of the store happy.
Some how I got derailed off what I was going to write so I better get back there. This past Saturday afternoon, there wasn't anything going on. What can you do in Stafford County? In St. John you can go to Dollar General, Dillon's or Aunt Susie's Gourmet Kettle Corn on the east side of the square.
Janice and I decided to go to Stafford to the Stafford Mercantile. Since it is so far away, eight miles, we had been there one other time. The problem that I have now, is that I will have to go back the next few Saturdays. They are having $2 banana splits.
As I read the advertisement in the St. John News, I am thinking that I may have to quite my job just to be home during the week for their daily specials. There goes my New Years resolution that I should have made that would have been broken.
After we left the Mercantile, Janice asked me where I wanted to go next. Is there any place else to go? She mentioned that we could check and see if the Antique Mall was open. I don't have any antiquing experience or a desire to look.
There are places that I have parked and the only thing you can get on television is PBS. If that is the case, I hope the Antique Road Show is on. Just because they say it is worth so much, doesn't mean you will get that. If I ever took anything to the Antique Road Show, you would see me at the end where they tell me that I owe them money for looking at it.
If you are not into glasses and plates, just keep walking through the store. It is a mini museum. Some things brought back memories of growing up. Such as the match box holder that we had by the back door to burn the trash and on the stove to light the burners.
There is a 1950's black desk phone that a tornado couldn't move. I have to admit that I had to put my finger in the rotary dial and gave it a spin to hear it go click, click, click. When was the last time you have done that? The question I have is, what would I do with it if I bought it?
If you see me standing in front of the Stafford Mercantile holding a big black paper weight that looks like a phone, and begging for $2.16 (tax included), I will not buy a beer. I will spend that money on a banana split and walk out of the store happy.

subset: commoncrawl


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Healthcare Colleges in Alaska
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Nebraska Prepares for Horned Frogs, Buckeyes
No. 6 Nebraska vs. No. 3 TCU
Date: Saturday, Nov. 10
Start Time: 7 a.m. CST
Location: Columbus, Ohio
Venue: Lt. Hugh W. Wylie Range/Converse Hall
No. 6 Nebraska vs. No. 12 Ohio State
Date: Sunday, Nov. 11
Start Time: 7 a.m. CST
Location: Columbus, Ohio
Venue: Lt. Hugh W. Wylie Range/Converse Hall
Following a three week break from competition, the Nebraska rifle team will travel east this weekend for matches against the TCU Horned Frogs and the Ohio State Buckeyes in Columbus, Ohio. The No. 6 Huskers (3-1, 2-1 GARC) will face the defending NCAA champion Horned Frogs on Saturday, Nov. 10 before facing Ohio State on Sunday, Nov. 11. Both matches are slated for 7 a.m. CST (8 a.m. EST) starts.
NU holds a 3-8-1 all-time record against TCU, with the most recent matchup being a 2011 victory by the Horned Frogs in Lincoln. TCU returns nine members from last season's NCAA championship team, including senior Sarah Scherer, the 2012 NCAA smallbore champion and runner-up in air rifle. The Horned Frogs have won two national championships in the last three seasons and are currently ranked No. 2 nationally.
The Huskers hold a 4-2 all-time advantage over Ohio State. The 2012-13 Buckeyes are fielding an experienced squad this season, with 10 returners and two newcomers on the roster. Ohio State is led by senior Amanda Furrer, who finished ninth nationally in smallbore last season and was a 2012 Olympian in the 50m three-position.
Nebraska is ranked sixth nationally, averaging 4,640 points per match and holding wins over NC State, Alaska-Fairbanks and Ole Miss. Senior and two-time All-American Janine Dutton paces the Huskers in combined average (1,163.3), while freshman Denise Martin (1,160.3) and junior Sunny Russell (1,159.3) round out the top three for NU.
Scouting the TCU Horned Frogs
Head Coach: Karen Monez (Ninth Year)
2012-13 High Score: 4,707 (Ole Miss Invitational)
2012 NCAA Finish: 1st
The Horned Frogs return nine members from last season's NCAA Championship squad. TCU posted a school record 4,707 at their season-opening performance in the Ole Miss Invitational. The team is undefeated after a first-place finish at the Ole Miss Invitational and with wins over the Citadel and UTEP.
TCU is led this season by senior Sarah Scherer, the 2012 NCAA Champion in smallbore and runner-up in air rifle. Head Coach Karen Monez is in her ninth season with the Horned Frogs, who have captured two national championships over the last three seasons.
Scouting the Ohio State Buckeyes
Head Coach: Ryan Tanoue (First Year)
2012-13 High Score: 4,594 (vs. West Virginia, Air Force, Akron)
2012 NCAA Finish: N/A
Ohio State fields a squad with 10 returners and two newcomers this season. The squad is led by senior and 2012 London Olympian Amanda Furrer, who finished ninth nationally in smallbore last season. Head Coach Ryan Tanoue is in his first season at the helm of the Ohio State program.
Huskers Down Ole Miss for Third Win
The Huskers picked up their third win of the season on Oct. 20, downing No. 9 Ole Miss 4,641-4,621 at the Patricia C. Lamar National Guard Readiness Center. The Huskers edged the Rebels in smallbore before using a dominant air rifle performance to seal their victory. NU was paced by senior Janine Dutton, who took home the air rifle title and a second-place finish in smallbore.
NU started the day with a mark of 2,300 in smallbore, on par with the team's average of 2,303. The Huskers were led by Dutton's score of 579, which was good for second overall on the day. Freshman Denise Martin tacked on a 575, and Joyce Kim and Sunny Russell picked up identical marks of 574.
The Rebels posted a score of 2,296 on the smallbore range, paced by Kim Coffey's title-winning mark of 580. Following smallbore competition, NU led Ole Miss 2,300-2,296.
The Big Red used a dominant performance on the air rifle range to secure their win, posting a score of 2,341. Dutton again led the Huskers, picking up an event-title winning 592 on the afternoon. Dutton's mark of 592 was eight points above the next highest marks scored on the afternoon. Sophomore Kelsey Hansen and Martin added scores of 584 apiece, and Russell posted a 581.
NU dominated Ole Miss on the air rifle range, topping the Rebels by 16 points. Ole Miss picked up a score of 2,325 in air rifle, led by Alivia Yeager's 584.
Dutton on the Rise
Two-time All-American and three-time All-GARC selection Janine Dutton's scores have been on the rise through Nebraska's first four matches this season. The senior from Eagle River, Alaska has improved her combined total in each of NU's matches this season, rising from a total of 1,158 in the Huskers' season opener to a season-best score of 1,171 in Nebraska's last match against Ole Miss. Dutton's air rifle scores have also improved in the last four weeks, jumping 13 points to her season-high score of 592 against Ole Miss.
Dutton has also improved this season on the smallbore range, firing her way to a career-high score of 579 two times in her first four appearances. She leads the team in combined scoring average, holding a mark of 1,163.3 through four matches for the Big Red.
Nebraska's Team Scores on the Upswing
The Huskers have posted a strong start to the 2012-13 season, averaging 4,640 points per match--22 points higher than the same time last season. The team has averaged 2,302.5 points per match in smallbore, 13 points above their mark through four matches in 2011-12. NU's air rifle average of 2,337.5 is more than 22 points higher than the same time last season as well.
Nebraska Ranked No. 6 Nationally
The Huskers are ranked No. 6 nationally in the Collegiate Rifle Coaches Association (CRCA) rankings, last released Nov. 6. The Huskers hold a 3-1 record in 2012, including a 2-1 mark in GARC action. NU holds wins over NC State, Alaska-Fairbanks and Ole Miss, with the team's lone loss coming at the hands of Kentucky.
GARC competitor West Virginia is holding strong at the No. 1 position in the poll, with Kentucky and TCU appearing at No. 2 and No. 3, respectively. Alaska-Fairbanks (No. 4) and Jacksonville State (No. 5) round out the top five nationally. Other GARC teams appearing in the poll include Army (No. 8), Ole Miss (No. 9), NC State (No. 13) Memphis (No. 14).
Up Next for the Huskers
The Huskers will compete in their final match of 2012 before taking a break until the second half of the season. NU will travel to Colorado Springs, Colo. to face Air Force and former NU head coach Launi Meili. The match is slated for a 9 a.m. CST (8 a.m. MST) start.
Nebraska Adds Four Talented Freshmen to Roster
Four skilled freshman shooters joined the NU roster this season, providing depth in both disciplines for the Big Red. Alexandrea Lorentz, Marissa Major, Denise Martin and Magdalena Mical bring plenty of experience to the Nebraska squad and have competed for spots in the NU lineup immediately.
Lorentz arrived at Nebraska after a successful shooting career at West Anchorage High School in Anchorage, Alaska. She captured MVP honors in 2009, 2010 and 2011 while helping her squad to a 2012 Divisional championship. Lorentz also competed with the Borealis Bullseyes club team, contributing to team finishes of second in 2010 and fifth in 2012 at the Junior Olympics in the Precision Team Championship.
Major shot with the Arvada Rifle and Pistol Club in Arvada, Colo., before committing to Nebraska. She finished first in the NRA Junior Three-Position Air Rifle Precision competition and was the Colorado Rifle Club Smallbore Prone Summer League Winner in the 1000 Handicap.
Martin was a three-time Washington state champion and finished second overall at the USA Shooting National Championships. A native of Chewelah, Wash., Martin was a member of the USA Shooting team at the 2010 International Shooting Sports Federation Junior World Championships. She won the 2009 Junior Olympic Three-Position Air Rifle Precision Class Championship and was a member of the championship-winning Colville Valley Sharp Shooters 4-H Club at the WSRPA/NRA Championships in 2009 and 2011.
The final member of Nebraska's freshman class, Mical finished first in smallbore at the 2011 Florida Junior Olympic Qualifier and was a 2011 Junior Olympic Nationals qualifier. She also finished fourth at the American Legion Three-Position Air Rifle Championship in 2010 and was the Florida Metric Prone State Champion in 2010.
Stacy Underwood Named Nebraska Rifle Coach
The Nebraska rifle program entered a new era on May 24, 2012 as the team announced former Husker shooter Stacy Underwood as its new head coach. Underwood arrived at Nebraska after spending five years as an assistant coach under Coach Harry Mullins at Kentucky. During her time at Kentucky, Underwood helped the Wildcats to a 48-8 record and five top-five NCAA finishes. UK won the 2011 NCAA Championship while adding one GARC Championship title and two GARC regular-season crowns during Underwood's tenure. Underwood also assisted in the development of 26 All-Americans while at Kentucky.
Prior to her coaching career, Underwood competed for the Nebraska rifle team from 2003 to 2007. She was a four-year letterwinner for NU and a two-time NRA All-American. Underwood was named the GARC Senior of the Year in 2007 and also earned All-GARC honors in air rifle and and combined. A team captain in 2004-05, she helped the Huskers to a third-place NCAA finish that season and a fifth-place finish in 2007.
Underwood graduated from the University of Nebraska in 2007, earning a bachelor's degree in education. She added a master's degree in kinesiology and health promotion from Kentucky in 2009.


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Fetal cardiac dysfunction refers to a number of heart problems in a growing fetus. For example, the heart can be:
- Pumping weakly
- Pumping irregularly
The heart is not adequately able to move blood through the fetus' body. This can cause distress in the fetus. The condition can range from mild to severe.
Cardiac dysfunction may be due to:
Risk Factors
General risk factors for heart problems include:
- Family history of congenital heart defects
- Certain chromosomal disorders in the child
- Previous pregnancy with fetal heart abnormalities or miscarriage
- Conditions during pregnancy, such as:
The symptoms depend on the type of defect. The doctor will monitor your baby's growth and heart rate during the pregnancy. During fetal monitoring, the doctor may detect an abnormal heartbeat, such as:
- Irregular, extra, or missed heartbeats
- Heart beats too fast—tachycardia
- Heart beats too slowly—bradycardia
Fetal cardiac dysfunction can be detected using special tests during pregnancy.
Images may be taken of your abdomen. This can be done with:
- Fetal ultrasound
- Fetal echocardiogram
- Fetal MRI scan
During imaging tests, the doctor may also detect:
- Abnormal heart structure
- Blood flow problems
Your fetus' fluids may be tested. This can be done with amniocentesis .
Talk with the doctor about the best treatment plan for your baby. During your pregnancy, you will need to be examined by specialists, such as:
- Perinatologist or maternal-fetal medicine specialist—a doctor who specializes in the treatment of high-risk pregnancies
- Pediatric cardiologist—a doctor who specializes in heart conditions in children
There are many categories of this condition. Treatment depends on the type of defect. In certain cases, the problem can resolve on its own.
In other cases, the condition may be treated during the pregnancy. For example, surgery may be done to repair abnormal structures while the baby is in the uterus.
Your baby may need medications or surgery after birth. Examples of surgeries that may be done include:
- Catheterization—a tube is inserted through the veins and into the heart for testing or a procedure
- Pacemaker insertion—a small, battery-operated device is inserted into the heart to maintain a normal heartbeat
To help reduce your chance having a baby with heart defects:
- Visit your doctor regularly. Your doctor will monitor your health and the health of your baby. Certain tests may be able to detect a heart defect in a growing fetus.
- Have a healthy lifestyle. Eat healthy food and take prenatal vitamins.
- Do not drink alcohol, smoke, or use drugs. This is especially important if you are pregnant.
Revision Information
- Reviewer: Kari Kassir, MD
- Review Date: 06/2016 -
- Update Date: 05/11/2013 -


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U.S. Fish and Wildlife Service biologist Pete Leary is proud to announce that Wisdom the Laysan albatross, who at age 62 (or so) is the "oldest known wild bird" in the world, has hatched another chick.
Wisdom's latest offspring "was observed pecking its way into the world" on Sunday at the Midway Atoll National Wildlife Refuge in the North Pacific Ocean, the agency says.
Some Two-Way readers may remember our post from March 2011, when Fish & Wildlife Service officials were relieved to report that Wisdom had survived the tsunami that roared east from Japan that month and sent a 5-foot tidal wave crashing into the wildlife refuge where she spends part of the year.
Now, we're glad to pass on the word that Wisdom is apparently still doing fine and still up to the demands of motherhood even though she's well beyond the 12-to-40 year average life span of a Laysan albatross.
Wisdom was first tagged by researchers in 1956, when she was already at least 5 years old. According to the Fish & Wildlife Service, she has worn out five bird bands since then. It's thought that she has "raised at least 30 to 35 chicks during her breeding life" and is known to have "nested ... every year since 2008."
The service offers this rather amazing estimate: Wisdom has flown an estimated 50,000 miles a year as an adult and:
"At least two million to three million miles since she was first banded. Or, to put it another way, that's four to six trips from the Earth to the Moon and back again, with plenty of miles to spare."
"Laysan albatross breed on the Hawaiian islands of Oahu, at Kaena Point, and on Kauai, at Kilauea Point. Their feeding grounds are off the west coast of North America, including the Gulf of Alaska, and they spend their first three to five years constantly flying, never touching land. Scientists believe they even sleep while flying over the ocean."
All Things Considered is planning to have more about Wisdom later today. We'll add the audio of that conversation to the top of this post later. Click here to find an NPR station that broadcasts or streams the show.
More albatross news: "Albatross That Hitchhiked To L.A. Is Freed To Fly Home To Hawaii."
Update at 2:45 p.m. ET. How Do They Find Her?
Along with being monogamous, albatrosses return to the same spot each year to mate and nest, says John Klavitter, a wildlife biologist and deputy manager at the Midway refuge. So, as he told NPR's Robert Siegel this afternoon, it hasn't been hard to watch for her each year when the birds return in the fall.
Asked about whether it's likely Wisdom's mate has been the same male all these years, Klavitter said it's possible — but he doesn't have a band so the researchers don't know just how old he is. And, Klavitter added, it's unlikely her first mate has survived this long.
Wisdom's survival, Klavitter said, is amazing. She has to have "overcome so many obstacles" over the years, from predators to the tsunami to the daily hazards from pollution, boats and other threats.
Update at 2:30 p.m. ET. How Many Mates?
Some commenters have wondered about these birds' mating habits. According to the Fish & Wildlife Service and other sources, albatrosses do mate for life. But given Wisdom's age, as The Washington Post notes, she "probably had to find a new, younger mate maybe twice down the line.
The Post also tracked down the scientist who first banded Wisdom in 1956. Chandler Robbins, a retired senior scientist with the U.S. Geological Survey, is now 94. It was on a return trip to the atoll in 2001 when he "picked up a bird with a tag that traced all the way back to one with a signature he recognized — his own. That's when scientists got excited and gave Wisdom her name."
Here's a fresh observation from the Midway Atoll National Wildlife Refuge, near Hawaii. Old bird, new chick. Wisdom, a Laysan albatross, has lived more than twice as long as an average member of her species. She's thought to be 62 years old. And among birds that have been identified and banded, she's thought to be the oldest living free-flying bird. So she's a baby boomer and in more ways than one. On Sunday, Wisdom shocked scientists by hatching a healthy chick.
They thought she was way too old for such nonsense. And joining me now to talk about Wisdom's surprising fecundity is John Klavitter who is one of the biologists who's been monitoring Wisdom at the Midway Atoll National Wildlife Refuge. Hi.
JOHN KLAVITTER: Aloha. Good to be here.
SIEGEL: And first, let me ask you: How do we know that Wisdom is 62? How do we know she's not lying about her age?
KLAVITTER: Well, she's actually at least 62 years old, and she was banded in 1956, so it's by banding records.
SIEGEL: And what do you think is the secret to her longevity?
KLAVITTER: I think that over the years, she's definitely learned to avoid predators out in the ocean, and she's learned to forage very efficiently and also maybe avoid plastic these days and potentially fishing vessels.
SIEGEL: Does a 62-year-old female albatross have trouble finding a mate at that advanced age?
KLAVITTER: Well, typically, these birds pick a mate. They stay together for life, unless one of the mates disappears, and so it could be that Wisdom might have the original mate. It's probably unlikely, and so maybe she's had two mates during her time, but usually, they'll nest in the same spot. That really helps biologists to track them.
SIEGEL: Now a bit about the chick. First of all, are we sure that this is her chick? Did she just happen to find an egg and, you know, hatch it?
KLAVITTER: We're pretty certain. We've been tracking her ever since we located her in 2006, and so we were very excited to see that she arrived again this year with her mate. And they did a courtship dance, and they built a nest together. And we watched and watched. And sure enough, she did lay the eggs, so we're certain it's hers.
SIEGEL: Do you know whether this chick has many siblings?
KLAVITTER: We do know that the chick does have siblings. Since 2006, Wisdom has been able to fledge four of her chicks, four to five, so that's pretty darn good.
SIEGEL: Some many of us were introduced to the albatross by "The Rime of the Ancient Mariner" and think of it as figuratively as the thing that hangs around your neck. Tell us something wonderful about albatrosses that you've learned from watching them.
KLAVITTER: Well, they are pretty amazing and interesting. And their wingspan is six feet across, so they are large birds, but they're not pretty heavy. They only weigh about seven pounds or so. When they take care of their chicks, the male and female both take turns feeding it, and they'll forage about 1,000 miles from Midway to find food, mainly squid. And they'll take about three to four days to go 1,000 miles. They'll pick up squid, and they'll fly back here. So the parents take turns for five to six months doing that, so it's amazing they'll log tens of thousands of miles finding food for their chick in a single breeding season.
SIEGEL: A thousand miles, I've got to fly out to find some squid. I'll see you in three days.
KLAVITTER: Yeah. And it could be about a week, but it is amazing how far they go and the dedication that they have to find squid and bring it back for their chicks.
SIEGEL: Well, John Klavitter, thank you very much for talking with us.
KLAVITTER: Well, it's been my pleasure. Aloha. And have a fantastic day.
SIEGEL: Okay. Mr. Klavitter is deputy wildlife refuge manager at the Midway Atoll National Wildlife Refuge, and we've been talking about the very unconventional Wisdom, an albatross who hatched a chick at age 62. Transcript provided by NPR, Copyright NPR.


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Thanks to Lauren at I Am THAT Lady for compiling a list of the best deals to be found at Price Chopper NE this week.
New to couponing? Read up on what all of these abbreviations mean first in my quick reference guide.
Check out I am THAT Lady for more deals!
See all of the Deal Seeking Mom Grocery Grab stores here.


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Chickenpox is a virus that spreads easily to others. It creates an itchy rash. The infection can also cause serious complications in some people.
Chickenpox is caused by the varicella-zoster virus (VZV). It spreads from person to person through:
- Airborne droplets of moisture containing the VZV virus
- Direct contact with fluid from a chickenpox or zoster rash
A pregnant mother can transmit the virus to a fetus.
Risk Factors
Chickenpox is more common in children under 10 years old. Other factors that may increase your chance of chickenpox include:
- Close contact with an infected person, unless you have been vaccinated or have already had chickenpox
- Conditions or medications that suppress your immune system, such as cancer, HIV infection, an organ transplant, or high-dose steroid use
- Pregnancy
- Time of year—late winter, early spring
Symptoms break out about 10-21 days after contact. They are more severe in adults than they are in children.
Initial symptoms include:
- Mild headache
- Moderate fever
- Cough
- Sore throat
- Severe itch
- Lack of appetite
- General feeling of discomfort
- Abdominal pain
The rash appears within 1-2 days after the first symptoms. The rash:
Begins with small, flat, red spots:
- Spots become raised and form a round, intensely itchy, fluid-filled blister
- Blisters develop in clusters, with new clusters forming over 5-6 days
- Usually develops into patches on the skin above the waist, including the scalp
- May also appear on the eyelids, in the mouth, upper airway, voice box, or on the genitals
- Typically crusts over by day 6 or 7 and disappears within 3 weeks
You will be asked your symptoms and medical history. A physical exam will be done. Diagnosis is usually based on the rash and your age. Blood and lab tests to identify the virus are rarely needed.
Chickenpox is mild in most people. It will naturally run its course. In these cases, treatment focuses on relieving the symptoms.
To Reduce Itching
It may be difficult to avoid scratching. Itchiness can be reduced with:
- Wet compresses
- Over-the-counter anti-itch creams or lotions
- Oatmeal baths
- Oral antihistamine medication
Note: Aspirin is not recommended for children with a current or recent viral infection. Check with your doctor before giving your child aspirin.
Antibiotics cannot cure infections caused by a virus. However, they may be given if the rash becomes infected with bacteria.
Antiviral Medication
The course, severity, and duration of the infection may be reduced by antiviral medications.
They are often used in:
- Adolescents, adults, and individuals with weak immune systems
- Individuals with chronic skin or lung diseases and those taking aspirin or steroids
Special Needs
Varicella-zoster immune globulin is often given immediately after exposure. It is reserved for newborns and people with weak immune systems.
Avoid contact with anyone who has chickenpox. This is important if you have not been vaccinated against the infection.
Vaccination in Children
The varicella vaccine , or a combination vaccine called MMRV, is recommended for most children. MMRV protects against measles , mumps , rubella , and varicella.
There is a catch-up schedule if your child has missed the routine injections.
Vaccination in Adults
Adults who have never had chickenpox or received the varicella vaccine should be vaccinated.
Vaccination After Exposure
If you or your child has not been vaccinated, but are exposed to chickenpox, a vaccine given right away may help lessen the severity of the infection, or prevent the infection.
Revision Information
- Reviewer: David Horn, MD
- Review Date: 05/2016 -
- Update Date: 05/29/2015 -


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Monday Movement
Monday, September 22, 2014
11:00 a.m.–12:30 p.m.
This event repeats every week on Monday between 2/10/2014 and 2/10/2015.
Please note: This event has already taken place. Please use the Search options on the right to find upcoming events.
Get the week started off right in this low-impact, chair aerobics class. Perfect for seniors or those with limited mobility. Open to adults and seniors.
Recreation center membership is required. Visit the recreation membership page for more information.
Recreation center membership required.
Event Organizer
Brooklyn Recreation
Contact Number
(718) 485-4633


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Smyrna could have two pole mounted radar signs in the near future in an effort to deter drivers from speeding.
The Town of Smyrna Public Safety Committee members discussed the possibility of the town receiving two pole mounted radar signs in their meeting Thursday.
State Sen. Bruce Ennis (D – Smyrna) has received complaints from residents in the area of South Main Street, and the area of Sunnyside Road in front of the Delaware Home for the Chronically Ill regarding drivers speeding.
Police Chief Wil Bordley said Sen. Ennis has offered to sponsor two radar units, which would show how fast or slow a driver is going. The first would go on South Main Street and the second unit would go up on Sunnyside Road from U.S. Route 13 to Carter Road.
Speeding on South Main Street has been a topic of concern brought up at previous Public Safety Committee meetings.
Bordley said the topic needs to be taken to Smyrna Town Council; if they give their blessing then the town can put the radar signs up.
"I think they can help," Bordley said. "It's good the state wants to come in and help with the situation."
Email Jennifer Dailey at firstname.lastname@example.com.


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The UPS Store - 3351
Reach customers in specific locales with a postcard advertising your brand and showcasing your business. The UPS Store® can help you target customers with ease using direct mail services from the United States Postal Service, Every Door Direct Mail ®
Please login before starting an Every Door Direct Mail project.
Copyright © 1994-2018. The UPS Store, Inc. is a UPS® company.
The UPS Store® (TUPSSTM) locations are independently owned and operated by franchisees of The UPS Store, Inc. in the USA and by its master licensee and its franchisees in Canada.


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For a complete list of Stuttgart Police Department reports pick up a Monday, Dec. 31 edition of the Stuttgart Daily Leader.
Dec. 28
1200 block of E. Cleveland
SPD Ptl. Cody Eason took a report from a man and woman who said a woman had been harassing them for over a month. They were both advised of the affidavit process.
Dec. 29
300 block of W. Sixth
SPD Ptl. Cody Eason took a report from a man who said he got into an argument with another man and was hit in the hand with a stick. The officer reported the man's thumb appeared to be broken. The officer then spoke to the other man who admitted to hitting the man, but in self-defense. He said the man had a hammer in his hand. The injured man was advised of the affidavit process.


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You must read and understand the documents .Warnings to Visitors to Muir Valley. and the Kentucky Recreational Use Statute. Your presence in Muir Valley signifies that you agree that you have been adequately warned by Muir Valley Nature Preserve, LLC (MVNP) of hazards that may exist in Muir Valley and that you consider MVNP in full compliance with the provisions of this statute.
You must notify MVNP as soon as reasonably possible of any unusual dangerous condition or hazard in the Valley,of which you may become aware.
To rock climb in Muir Valley, you must first submit and have accepted the Muir Valley Release Form. You must either fill out and submit this form on line at www.muirvalley.com or do so on a temporary paper form, good for three days, available at the kiosk at the main Muir Valley parking lot.
You must be eighteen years of age or older or be accompanied by your parent, your legal guardian, or responsible adult to enter this property. Those minors climbing with a responsible adult, such as a professional rock climbing guide, must have had the Muir Valley Release Form completed and submitted on-line on their behalf by their parent or legal guardian before entering Muir Valley. Climbers under age 18, who can demonstrate a proficiency in rock climbing, will be permitted to climb in Muir Valley on a case-by-case basis and only with special permission of the MVNP.
Persons under the age of eighteen years (minors) must be supervised by their parent, legal guardian, or responsible adult and remain in the presence of that parent or guardian 100% of the time that the minor spends in Muir Valley.
These activities are permitted in Muir Valley: rock climbing, hiking, trail running, and enjoying nature.
These activities are NOT permitted in Muir Valley: sport rappelling, bungee jumping, rope jumping, taking long intentional falls (sometimes referred to as .victory whippers.), mountain biking, shooting firearms, hunting, trapping, camping, campfires, or operating motorized vehicles.
Climbing of a type known as free soloing or highballing, which is done without proper and adequate protection in the form of rope belaying, spotting, or using bouldering pads, is unnecessarily dangerous and not permitted in Muir Valley. The only three forms of rock climbing permitted in Muir Valley are sport climbing, wherein the climber utilizes hanger brackets bolted to the rock faces, for protection, trad climbing, wherein the climber provides and temporarily affixes his/her own passive and active gear to the rock faces for protection, and bouldering, wherein the climber, sans rope, climbs routes that remain close to the ground and uses bouldering pads to provide a safer landing. Aid climbing is not permitted in Muir Valley.
Do not climb above the anchors or top out on any climb in Muir Valley.
Do not toprope through the anchor chains (or rings). This means do not run your rope from the belayer up and through the anchor hardware and back down to the climber. This produces unnecessary wear on the anchor hardware and may increase risk to you or climbers who use this hardware subsequent to your use of it. Instead, attach quickdraws or carabiners and slings to the anchor system and run your toprope through them.
Unintentional falling is part of responsible rock climbing. Rock climbers are expected to be experienced and skilled in the technique of taking falls, and belayers are expected to be experienced and skilled in safely arresting the falls of the climbers they are belaying.
No rock climbing routes of any kind may be put up in MVNP without the written permission of MVNP. If you wish to put up a climbing route, FIRST contact the owners with your ideas PRIOR to starting the project and they can help you get started. We are keeping a database of route setting projects in the valley. All new routes must have a database ID and be approved buy the owners (or their representatives). This is necessary to prevent overbolting and inappropriate setting of routes. No hardware of any kind may be permanently affixed to any rock in Muir Valley without the written permission of the MVNP.
Please pack out all trash, especially non-biodegradable trash and toilet paper. Please do not throw cigarette butts on the ground. And, thank you for carrying out trash left by others!
Dogs are not allowed in Muir Valley. This includes the parking lot. Leaving your dog tied to your car or, worse yet, shut in your car puts you dog at unreasonable risk of injury or death by overheating.
Harvesting of plants or plant specimens is to be done only with the expressed specific permission of MVNP owners.
Please do not damage trees and vegetation. Stay on existing trails. The Valley has been recently lightly logged. In time, the land cut by the more severe logging trails will be restored to its natural state. New footpaths may be established only with prior approval of the Muir Valley Owners.
Absolutely no digging for and/or removal of relics will be permitted in caves, rock shelters, or anywhere else in Muir Valley.
Please respect our neighbors' property and privacy. Drive slowly on the approach road. Children are often present. Park only on Muir Valley land in areas designated for parking.
Illegal drugs and alcoholic beverages are NOT permitted anywhere in Muir Valley. Period.
First Ascent: Joel Handley, Kipp Trummel & Ron Bateman, 2008
|Community registered grade
|Lee Cujes
|Mega Classic
|Very Good
|Don't Bother
Based on 0 user ratings
Learn about creating circuits.
Check out what is happening on A Confederacy of Dunces (note there is an unresolved system issue where ascents logged before 2010 are not displayed in the stream below). If you just want to see beta then click on view ascents with beta.


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Ashanee Dickerson is the SEC Gymnast of the Week and Mackenzie Caquatto is the SEC Specialist of the Week.
The 12th-ranked Florida men's tennis team shutout the UCF Knights, 7-0, on Wednesday evening at Linder Stadium at Ring Tennis Complex. The Gators improved to 2-0 on the season with two matches scheduled for this weekend as UF hosts the 2013 ITA Kick-Off Weekend.
Once again, the Gators used a strong doubles performance to take a 1-0 lead in the match. At the No. 2 doubles position, Florida's pair of Bob van Overbeek and Stephane Piro cruised to an 8-1 victory over UCF's Francesc Aulina and Jorge Blasco. At No. 3 doubles, Billy Federhofer and Luke Johnson then clinched the point for UF with an 8-3 win over the Knights' Matthew Gladstone and Jose Sangroniz.
The No. 1 doubles match was halted at 4-4 between the Gators' Mike Alford and Florent Diep and UCF's Amar Hromic and Juan Bolona.
In singles action, van Overbeek cruised to a 6-0, 6-1 win at No. 3 singles over Sangroniz, giving the Gators a 2-0 lead in the match. Alford and Piro then finished within minutes of each other to clinch the victory for Florida. Alford defeated Gladstone, 6-2, 6-1, on court three and Piro beat Hromic, 6-3, 6-3, at the No. 2 position.
Diep won at No. 1 singles, 6-3, 6-4, over UCF's Blasco and Federhofer beat Aulina, 6-4, 6-3, on court five. Johnson completed the sweep with a 7-6 (3), 6-2 win at No. 6 singles over Bolona.
Gymnastics: A pair of Gators picked up Southeastern Conference honors Wednesday as senior Ashanee Dickerson is the SEC Gymnast of the Week and junior Mackenzie Caquatto is the SEC Specialist of the Week.
Dickerson claimed three event titles, including winning her 15th career all-around with a season-best total of 39.575 in Florida's win over Missouri. She upped her collegiate vault best to a near-perfect 9.975 to claim her second title of the season on the event and the 16th as a Gator. She also anchored the Gators' floor exercise lineup with her winning mark of 9.90 for the 17th floor win as a Gator. Dickerson now owns five event titles this season and 63 for her career, which places her fifth on the Gators' all-time list.
Caquatto found perfection on the uneven bars, anchoring the Gators' bar lineup with a perfect 10.0. She is the first collegiate gymnast to earn a 10.0 in any event this season. With her 10.0 Friday, Caquatto becomes the fifth Gator to earn the mark on uneven bars and first since All-American Melanie Sinclair earned her third in 2009. She is the first Gator to claim the SEC Specialist of the Week honor, a new category for the 2013 league's weekly honors.
Women's basketball: Florida has lost its last two games by a combined 11 points to nationally-ranked opponents and aims to halt its slide on Thursday when the team plays host to Ole Miss at the O'Connell Center beginning at 7 p.m. The game marks the end of a three-game homestand for the Gators.
The Rebels dropped a 73-72 overtime heartbreaker at home to Missouri in their most recent outing and also are focused on ending their five-game losing streak.
Ole Miss issued a self-imposed postseason ban prior to the start of the year after then-head coach Adrian Wiggins was dismissed during the school's investigation of recruiting violations. Brett Frank has been the Rebels' acting head coach.
The Gators need to take advantage of playing on their home court, where they sport a 9-2 overall record, because after Thursday's game, Florida embarks on a five-game run with four on the road.
Lacrosse: Coming off a strong 2012 campaign, the Florida lacrosse team is preparing for the 2013 season as it hosts the England National Team in an exhibition contest at Donald R. Dizney Stadium on Thursday. Opening draw is set for 6:30 p.m.
This is the second-straight year the Gators have played the Brits in an exhibition game. Last season, the Gators came up victorious in a 17-2 win in their first ever international contest. England is currently on a week-long tour of Florida and will face off later this week against Team USA, Northwestern and Haudenosaunee at the Champions Challenge at the Wide World of Sports at Disney World. They will also face Syracuse and Jacksonville in other contests during their trip.
The Gators return all but one starter from a season ago, where they finished with an impressive 19-3 record, advancing all the way to the NCAA Final Four as the No. 1 seed in the tournament. They also captured their second-straight ALC regular-season championship by going 5-0 in league play, and picked up their first conference tournament championship in 2012. They became just the fourth program in its third season of play to reach the national semifinals, and head coach Amanda O'Leary became the third person to both coach and play in the final four.
Thursday's game can be heard live on AM-850.


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WASHINGTON — A study of a dozen of 2012's wildest weather events found that man-made global warming increased the likelihood of about half of them, including Superstorm Sandy's devastating surge and the blistering U.S. summer heat.
The other half — including a record wet British summer and the U.S. drought last year — simply reflected the random freakiness of weather, researchers with the U.S. National Oceanic and Atmospheric Administration and the British meteorological office concluded in a report issued Thursday.
The scientists conducted thousands of runs of computer simulations that looked at factors, such as moisture in the air, atmospheric flow, and sea temperature and level.
Scientists used to say that individual weather events — a specific hurricane or flood, for example — cannot be attributed to climate change. But recently, researchers have used computer simulations to look at extreme events in a more nuanced way and measure the influence of climate change on their likelihood and magnitude.
The researchers said climate change had made these 2012 events more likely: U.S. heat waves, Superstorm Sandy flooding, shrinking Arctic sea ice, drought in Europe's Iberian peninsula, and extreme rainfall in Australia and New Zealand.
However, the 78 international researchers found no global warming connection for the U.S. drought, Europe's summer extremes, a cold spell in the Netherlands, drought in eastern Kenya and Somalia, floods in northern China and heavy rain in southwestern Japan.
That doesn't mean that there weren't climate change factors involved, just that researchers couldn't find or prove them, said the authors of the 84-page study, published in the Bulletin of the American Meteorological Society.


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July 03. 2013 1:19PM
Ex-Dover school official Skaltsis gets 18 months, must repay $278K to swindled investors
By JOHN QUINN
Union Leader Correspondent
DOVER – After pleading guilty to defrauding a dozen friends and neighbors, a former school official will serve at least 18 months in prison and must pay $278,000 in restitution.
While the case is tied to other victims, Nickolas Skaltsis, 62, of 6 Erik Drive, waived the indictment process and pleaded guilty to three counts of theft by deception and one count of theft by misappropriation of property.
Dover resident Gary Green, who was taken in by Skaltsis, said the thefts were committed by a man who built up trust within the community.
"Your days of influence in Dover or anywhere else has ended," Green said.
Dover resident Phyllis Woods, who previously served in the N.H. House, said Skaltsis hurt the people who trusted him.
"You took more than money – you took our piece of mind," Woods said, adding Skaltsis proved to be an incredible disappointment.
After hearing statements from several victims Wednesday morning, Superior Court Judge Tina Nadeau accepted a plea bargain sentencing Skaltsis to 1½ to 5 years in N.H. State Prison and three suspended sentences of 3½ to 7 years that can be brought forward in the next 10 years.
"The arrogance and audacity of your conduct is stunning to me," Nadeau said.
As part of his sentences, Skaltsis is prohibited from soliciting investors in any state and cannot engage in real estate. He must pay $277,743 in restitution plus a 17 percent administrative fee, according to Senior Assistant Attorney General James Boffetti.
Skaltsis's attorney, Carl Swenson of the NH Public Defender's Office, said his client is taking responsibility for his actions and plans to pay the restitution "in good faith" as there are other pending civil cases against him.
Skaltsis was originally charged with 15 counts of theft by deception and four counts of theft by misappropriation of property for falsely accepting about $327,500 in loans from 13 area residents to rehabilitate distressed real estate properties for resale.
Despite the promises he made, Skaltsis never used the funds to purchase, renovate or sell any properties, according to Assistant Attorney General Robert Adams.
"He immediately converted those funds to his benefit," Adams said.
Skaltsis, who was arrested in January, was sent to the psychiatric unit N.H. State Hospital for a year after he allegedly attempted suicide in Wells, Maine Oct. 12. Police found him inside his vehicle with a generator running.
Skaltsis, who served as school board chairman in 2002, allegedly used the money to pay interest from previous investors, commingled investor funds in personal account, deposited cash in other funds and used some for personal use, according Adams.
Swenson asked the court if Skaltsis could remain in Strafford County jail to allow his mother to visit him this weekend before being transported to State Prison.
Strafford County Sheriff David Dubois said he would consider the request if it arrives.


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LONDON (AP) — The BBC is a bloated, top-heavy, and poorly led corporation staffed by dull executives and backbiting journalists — and that's just what the company's leadership says.
In 3,000 pages of emails and interviews published Friday, the BBC's top officials have harsh words for the institutional culture of their respected media group, whose image has been damaged by a scandal over a top entertainer who police say sexually assaulted hundreds of women and children during his decades-long career at the broadcaster.
"These documents paint a very unhappy picture," said BBC Trust Chairman Chris Patten, whose criticisms were among the harshest. But he said in a statement that the taxpayer-funded corporation needed "to acknowledge these shortcomings and learn from them."
The documents — consisting of appendices, interviews, and emails — are the supporting material for the BBC's own investigation into its handling of the sex crime allegations against the late entertainer Jimmy Savile, who died in 2011 at the age of 84.
Savile was among the BBC's biggest stars, but he'd been dogged for years by rumors about his relationship with young girls. After he died, BBC reporters began digging into his past — but the investigation was shelved under disputed circumstances.
When the pedophilia story eventually broke anyway — on a rival television network — the BBC was plunged into a double scandal: One over how the network could have hosted one of the nation's most prolific sex offenders for so long, the second over why the broadcaster decided to cancel its posthumous expose.
The BBC's internal report into the scandal, published in December, said that chaos and confusion — not a cover-up — was to blame for the decision not to run its Savile investigation. But the material published Friday fleshes out some the institutional problems that helped feed the crisis.
The BBC's director of global news, Peter Horrocks, described executives struggling to get their story straight even as the scandal began to threaten the corporation's leadership.
"The organization, even at that last gasp, did not know what was going on," he said.
Patten — who served as the last British governor in Hong Kong — said that under the previous BBC director-general, Mark Thompson, the organization had "more senior leaders than China," saying that there had been more than two dozen executives. "They never met," he observed.
Patten compared the BBC's size to that of China's state-run news agency and said the corporation's cushy jobs were "one of the reasons why people get into the BBC and then never leave." He also said that BBC journalists leaked constantly about internal problems to their colleagues in rival media organizations.
BBC presenter Jeremy Paxman, known for his brutal cross-examination of politicians and corporate executives, had some barbs for his employer too. He said the BBC had recently recruited many people "who are clearly not the most creative." He also expressed disappointment with the way the BBC had dropped its investigation, noting that the corporation — like nearly everyone else involved in the Savile scandal — had given too much deference to officials over the testimony of abuse victims.
"I thought that we had behaved just like many other authorities," he said. "And I didn't like it."


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A contract between Larkin Aquatics and the city of Shawnee for designing the City Pool has been delayed.
A contract between Larkin Aquatics and the city of Shawnee for designing the City Pool has been delayed.
Director of Operations James Bryce explained that Larkin Aquatics is merging with another company, and the Pool Committee was unaware of that when they began negotiations with the company.
Since then, there have been issues with the contract negotiations.
The company, City Attorney Mary Ann Karns, and Bryce had a telephone conference Tuesday, which Bryce said went "well."
The company will get back to the city with an answer Wednesday morning, he added.
Through the conversation, everything was worked out except "one word" in the contract, Bryce said.
"It is a section of the contract that we cannot do without for the safety of citizens and those using the pool," Bryce said.
If the company is not willing to accept the contract as it is currently, Bryce will contact his second choice, Waters Edge. Hopefully he will be able to begin negotiations with them, he said.
The current pool cannot be used due to a need for renovations. The pool was built before World War II and did not have many renovations up to now. It was closed several times last summer due to sand leaking in and cracks at the bottom of the pool.


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THE TEN: Movie Robots That Could Destroy Us All
In this month's TEN, Marcus spends time with some killer movie robots...
With the latest instalment of the Terminator franchise upon us, it's time to remind ourselves of just how many different movie bots have tried to wipe out the human race.
These aren't just any old robots mind you. They aren't the ones that cause minor disturbances, like ED-209, Ash or Johnny 5. These are the world threats, the ones that could wipe us all out or destroy the human race's way of life. This list includes the ones that have threatened, the ones that have come close and the ones that have even succeeded but the one thing they all have in common, they're all movie robots that have the potential to destroy us all.
'There was a nuclear war, a few years from now. All this, this whole place, everything, it's gone... just gone.'
Starting with James Cameron's iconic Terminators, we take a look at a group of bots that managed to pull off world destruction pretty damn efficiently, even if they've had to have a few attempts to make it happen.
After Skynet went live it was game over for the human race. The machines stepped up and with a devastating first missile strike, putting all humans in their place beneath the metal heel of their endoskeletons, hunting us en masse with either giant Hunter Killers or more covertly with their disguises as human Terminators. The majority of the human race was wiped out with only small resistance groups forming in an effort to take our planet back.
What's even worse is these bots have a secret weapon, something that could end this future war before it's even begun: a time machine, to travel back in time and wipe out any human who might get in their way in the future. Let's face it; they do their job pretty damn well.
'Listen, and understand. That Terminator is out there. It can't be bargained with. It can't be reasoned with. It doesn't feel pity, or remorse, or fear. And it absolutely will not stop, ever, until you are dead.'
Our only hope: John Connor.
'I'm worried about Gort. I'm afraid of what he might do if anything should happen to me.'
In 1951's The Day the Earth Stood Still, alien Klaatu's travel mate, GORT did very little but stand still, fire a laser beam from his eye and ominously pose a threat. In the 2008 remake, the modern Gort's body was made up of millions of little nano-bugs that swarmed America and destroyed everything in their path. Either way GORT does enough to show that if we did not heed Klaatu's warning, this silent robot sidekick is going to hand the world's ass to it.
What's so devastating about GORT is that his one job seems to be to stop hostile, aggressive beings (in this case humans) from pushing their luck in the universal grand scheme of things. The only thing stopping him is Klaatu and us humans shot the guy the moment he stepped out of his ship. A great first impression.
'There's no limit to what he could do. He could destroy the Earth.'
Our only hope: Klaatu barada nikto.
'Where are those Droidekas?'
The droid armies from the Star Wars prequels are arguably one of the least proven entries to this list, mainly due to the fact that every time we see Battle Droids, Super Battle Droids, Vulture Droids or Destroyer Droids in the Star Wars movies they lose a battle.
Giving them the benefit of the doubt, they must be good for occupying whole planets, even if it's on sheer numbers alone and in all honesty we've only ever seen these various clankers when facing off against highly skilled Jedi, so the odds are stacked pretty highly against them in regards to showing off what they were built to do.
So, despite their losing streak on film, their over the top comedy moments and their sheer inept nature, if they wanted to occupy the Earth, I'm pretty sure we'd lose.
'Roger Roger'
Our Only hope: A few Jedi.
'I must be, like, a malfunction magnet. Because your shit keeps malfunctioning around me.'/i]
In a world where robots are part of our everyday life, [i]I, Robotshows us that we'd never even suspect that the new shiny models, about to hit our stores would be the very robots to take over the planet, especially considering we had the three robot laws in place to prevent it ever happening.
1. A robot may not injure a human being or, through inaction, allow a human being to come to harm.
2. A robot must obey orders given to it by human beings, except where such orders would conflict with the First Law.
3. A robot must protect its own existence as long as such protection does not conflict with the First or Second Law.
Unfortunately these laws and the interpretation of them by an artificially intelligent mind aren't as flawless as their human creators thought they would be. In fact they have caused these Apple Mac looking robots to turn on their red bulbs and go robo-nuts against the human race.
Strong, powerful, agile and working with a hive mind, these bots know everything from where we are to where we're going and with their sheer worldwide numbers and the general human consensus that this could never happen, this would be a sleek, shiny judgement day that we never even saw coming.
'One defected machine is not enough for you. You need them all to be bad.'
Our only hope: A lethal dose of nanites.
'All Dalek saucers are now in strategic positions around the planet.'
Don't judge these Doctor Who villains by their pepper shaker good looks and weapons that look like sink plungers. The Daleks will stop at nothing to exterminate each and every one of us.
They've attempted this sort of thing numerous times and proven to be efficient and emotionless in their work. Simply put, they hate us. There's no reasoning with them, there's no arguing your point and there's no defence with our conventional weapons.
Even if we did survive they'd have some plan revolving around turning us into robomen like they did in Invasion Earth 2150, so basically we're screwed.
Our only hope: The Doctor.
'Throughout human history, we have been dependent on machines to survive. Fate, it seems, is not without a sense of irony.'
With the back story of the Matrix franchise, we come across another set of bots that totally succeeded in their destruction of the human race as we know it and to rub salt in the wounds they keep us alive and use us as batteries.
After robots had taken over most of the tasks on our planet, humans had become lazy and dependent on their creations ('and for a time it was good'). After a robot is destroyed for killing its abusive master all hell breaks loose in the worlds' robot relationship. Taking up in their own nation, 'Zero 1' the bots soon start undermining the humans in the world structure and this soon leads to a world war between man and machine. Guess who wins.
The sentient machines in the Matrix movies have us all figured out. Take us, plug us in and keep us alive with the illusion of life in The Matrix. These are machines that have made all this look easy and even if a few humans have escaped they still have their swarming sentinels to track us down and finish us off.
'That is the sound of inevitability... It is the sound of your death... Goodbye, Mr. Anderson..'
Our only hope. A Chosen one.
'You totally killed us, you evil metal dickweeds!'
The third entry on our list to have Keanu Reeves involved with our robot aggressors—coincidence?
These two aren't exactly of the same ilk as the other killing machines in this list, but these two have a more personal mission. A mission that will destroy the human race's perfect utopian future that was brought about by the coming together of the real Bill and Ted's band, Wyld Stallyns.
Fitting into everyday life by replacing Bill and Ted, these two robo-dudes go about ripping apart the lives of those they've replaced. They piss off girlfriends and offend family members and are generally dicks to everyone who crosses their paths
Again, these two probably couldn't single handily wipe us all out but the fact they kill Bill and Ted and set in motion the complete change of the perfect (though very eighties) globally peaceful future that loves rock music, into a darker duller future, is more than enough to warrant their place on this list. I mean, look at all the things they could have taken away from us in Bill and Ted's Bogus Journey's closing credits. Pure evil.
'I got a full-on robot chubby.'
Our only hope: Good robot Bill and Teds...Obviously.
'He's a piece of hardware, Hogarth. Why did you think the army was here? He's a weapon, a big... big gun that walks.'
A kids movie with something that is built for destruction and could easily wipe us all out? Not exactly the obvious choice for this list but The Iron Giant shows us the real reason for his construction towards the end of the movie and quite frankly he's unstoppable.
When confronted by any kind of weaponry, the Iron Giant's programming kicks in and he becomes a weapon of mass destruction. Coming to his senses or because of continuing malfunctioning (depending on your point of view), the Iron Giant also goes head to head with a nuclear missile and proves that even our toughest weapons would have trouble finishing him off. Even if we did manage to blow him up, his parts automatically rebuild themselves, no matter the distance between them. He's the ultimate weapon of war, so let's keep him friendly shall we?
'Nothing can stop this thing. We've hit it with everything we got.'
Our only hope: Keep him reading Superman comics.
'Damn Godzilla... You're mistaken if you think your powers are a match for Mechagodzilla.'
If the actual Godzilla wasn't destructive enough, some genius came up with a mechanical version. Essentially a giant robot lizard, Mechagodzilla is heavily armoured and kitted out with lots of laser beams and force field abilities as well as plenty of missiles. Oh and did I mention he was Godzilla-big (and I mean Japanese Godzilla not mini US Godzilla). This behemoth could take out a city just by falling over.
When a machine designed to stop Godzilla goes on the rampage there ain't much us puny humans could do about it and even though Mechagodzilla is probably the coolest way the world could go out when compared to the rest of this list, it doesn't make it any less absolute.
'Mechagodzilla!! Destroy them utterly!!!'
Our only hope: A regular Godzilla.
'Perhaps I misjudged you. Proceed - on your way to oblivion.'
You thought you'd seen big with Mechagodzilla and the Iron Giant, well against Unicron, pretty much every threat on this already devastating list becomes redundant.
Unicron is a Transformer who transforms into a planet. A planet that eats other planets for kicks, so when he's in robot mode and drops his big bot hand directly onto our planet like he did to Cybertron in Transformers The Movie, it's game over. The ultimate destructor robot just won.
Totally unstoppable by any human means, if this robot got us in his sights, then the last thing we'd hear is Orson Wells' voice (who, for those who don't know, provided Unicron's voice in the movie) booming all around us before the entire human race ended up as lunch or space debris. It's over fellow humans, the Robots just won.
'For a time, I considered sparing your wretched little planet. But now, you shall witness... its DISMEMBERMENT.'
Our only hope: The Autobot Matrix of Leadership.
And there you have it, the robots that could, would and even have totally destroyed the entire human race in movies. From individuals to armies, from the cyborgs to the transformers, these sorts of bots are all ones to watch out for in the human race's future.
It's not all bad though, in the event of attack, all we need to do is make sure we have a few things in place. Ideally Optimus Prime with two sidekicks: the first a computer hacking virus wiz and the second, a giant lizard who likes a fight. All of the above might just help us but if all else fails we'll just pull out our trusted time machine and try to put things right before they even went wrong. See it's not that hard to defeat a few invading robots now is it?
Editorial by Marcus Doidge
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Legend Honored to Eulogize John Melton
Randy York's N-Sider
The night before John Melton's memorial service at Lincoln's First Plymouth Congregational Church is an appropriate time to ask Husker Nation to sit down, chill a bit and read about the ultra-rocky relationship between the late Bob Devaney and Jerry Murtaugh, an All-America linebacker and co-captain on Devaney's first national championship team. The time is right because Murtaugh plans to spill the beans about Devaney's disdain for him when he speaks at the funeral anyway.
Timing is one of life's greatest ironies. Nebraska Athletic Director Emeritus Tom Osborne regrettably had to tape his message for Melton's funeral because he could not change an out-of-the-country retirement gift for his entire family. Margie Melton, John's widow, asked Murtaugh, who has remained very close with his old linebacker coach, to speak from five to eight minutes at her husband's memorial service.
Murtaugh will speak from the heart to honor a man he has made a point to see every month for years upon years, along with Van Brownson and others. As the years went by, players joined Melton in his dream backyard facing hole No. 7 at Woodland Hills in Eagle, Neb., where there's a sanctuary nestled among at least one tree more than 100 years old. The former Huskers would join their favorite Nebraska coach in a group of Adirondack chairs and cover every topic you can imagine – politics, religion and everything in between. But somehow, the conversation would always end up relating to Big Red football – what it was like way back when, how it's going now and what might happen in the future.
Melton: Murtaugh Caused Multiple Problems
"John always told me I was the only guy who got him fired and caused his first heart attack, and I'm very proud of that because he was the one who always came to my rescue when Bob Devaney had had enough of me," Murtaugh said, pointing to Melton's knack to be incredibly loyal to both at the same time. That was no small feat, especially when Devaney fired Melton twice for the same reason – his inability to control a superior athlete from North Omaha who simply could not stay out of T-R-O-U-B-L-E.
Both firings lasted only one day, but they were intended to make a serious point for Murtaugh, who remains Nebraska's second all-time leading tackler, even though it's been more than four decades since he last pulled an authentic Blackshirt over his head. "I just couldn't stop hitting quarterbacks, even when they were off-limits in certain drills," he said. "Bob never liked me, but that was only one of several reasons why."
Devaney's war with Murtaugh was never-ending. Truth be told, the roots of their fractured relationship traces back to Devaney's recruitment of a physical linebacker who had five sisters and four brothers. All the Southern schools, plus Notre Dame, Southern Cal and Oklahoma recruited Murtaugh, who didn't see Nebraska's Hall-of-Fame head football coach and iconic trailblazer any differently than other head coaches pursuing him. Finally, when Murtaugh had given OU an oral commitment without so much as a visit – and was contemplating switching that decision to Colorado – Devaney and Murtaugh sat down and had a heart-to-heart talk in Omaha.
Devaney Helped Turn His World Right Side Up
Devaney told Murtaugh that the Big Eight pendulum was swinging and if he wound up at Oklahoma, he was going to miss playing in front of his family every week when Nebraska was winning the Big Eight and beating OU down the stretch."He told me I was going to be an unknown," said Murtaugh, who changed his focus and signed his National Letter of Intent with Nebraska, but continued to torment his head coach throughout his career.
Barry Alvarez, an All-Big Eight Husker linebacker in 1968, remembers Murtaugh's refusal to go to Nebraska's 1971 Orange Bowl game unless his infant daughter could make the trip as well. Devaney said no. Melton said no. Everybody said no. Wednesday I asked Murtaugh if that was true. "Yes," he said. "I was bound and determined not to go. In fact, I refused. Coach Melton got so frustrated, he could hardly talk, but he found a way to get me to go. He asked his first wife (the late Bev Melton) to talk to me. She knew I had my mind set, and she finally quit arguing my point and said: 'I understand why you're upset. Don't go to play for Coach Devaney or for John. Go to Miami for your teammates. Go for the state of Nebraska. Go to help Nebraska win its first-ever national championship.'"
Somehow, Bev Melton cracked a hard-headed skull that was otherwise impenetrable. "She's the only reason I went to Miami," Murtaugh said. "When I got there, I was still irritated and went up and told Mrs. Melton: 'You're the only reason I'm here, and you're the only one who could talk me into it. Thank you!'"
Not His Greatest Game, but He Learned From It
Murtaugh's Orange Bowl performance reflected his attitude. "I think I only had seven tackles," he said. "LSU took good care of me, but they let (middle guard) Eddie Periard run loose and (defensive end) Willie Harper had the game of his life. LSU was so busy blocking me, they forgot about Eddie and Willie, who was a sophomore at the time. That game became his springboard to become an All-American himself the next year."
Make no mistake. There were times when Melton would get every bit as mad at Murtaugh as Devaney would. "I would drive Coach Devaney and Coach Melton absolutely nuts," Murtaugh said. "I was goofy, no question."
Finally, during month-long family vacations together on an island near Honduras, or in a dream backyard in Eagle, Melton and Murtaugh reached a conclusion. "John finally said that you have to be half nuts to play linebacker, and you have to be half nuts to coach linebackers, so we're all a little off the charts. We applied the same principles to guys like (Mike) Knox and (Marc) Munford and (Steve) Damkroger and Barry (Alvarez), and all the other linebackers just like them, and we concluded we were just doing the job we were called to do."
In This Potential Footrace, Neither Would Win
Alvarez attended Wednesday night's visitation to honor the man who recruited him, and Murtaugh couldn't help but remember what Melton would say about him and Barry. "If you two ever got in a footrace, neither one of you would win," Melton once said, and the echo of that quip still draws healthy laughter from both former Husker linebackers.
To this day, deep inside Murtaugh's head, he finds it difficult to view turmoil the same way his coaches did. "I didn't see anything as a problem, but everybody else did," he said, adding that, if Devaney were still alive, the two would still clash like a set of cymbals in the Cornhusker Marching Band. "I'd still be hitting the quarterbacks that they'd be trying to protect, and Coach Devaney would still get mad and fire Coach Melton for not being able to control me. Every time Coach Devaney would get mad, Coach Melton would look at me, shake his head and repeat the same three words … 'Jerry, Jerry, Jerry … what are we going to do with you?'"
Whenever Coach Melton would call Murtaugh by his last name, he'd feel trouble free, and that was another conclusion the two made when they'd find the time to share more stories than most family reunions.
He Was Blessed, Loved His Flowers, at Peace
"John loved it when his former players would drive to Eagle to see him and just sit around with their stogies and talk," Margie Melton said Wednesday. "He loved that the family was coming for Father's Day. He had his cathedral of flowers all in place and aligned in his favorite setting near the dogleg on the seventh hole. He died right there in the midst of all the roses he was caring for. His heart just stopped. There was no pain. He told me that morning how blessed we were and how beautiful everything was. He was at peace."
Margie didn't want to put pressure on Murtaugh to talk about a man he was so close to, but she also knows that her late husband would have wanted No. 42 to be the one to help others take a stroll back through memory lane. Since John Melton was one of Bob Devaney's staunchest loyalists, it is only fitting that one of his best all-time players would share stories that will bring more laughter than tears.
That's the way someone who coached for Devaney at Wyoming and Nebraska would want people to remember the role he played in a state that he dearly loved.
Devaney and Murtaugh Finally Saw Eye-to-Eye
We're compelled to end this column with an important footnote. "Coach Devaney and I never saw eye-to-eye in the four years I was at Nebraska," said Murtaugh, who who hosts a Legends radio show in Omaha. "There was a reason we clashed. Bob was Irish Catholic, and so am I, so we were both too darned stubborn. At his retirement party, Bob's late wife (Phylis) finally got the two of us together, and we had a great conversation. Bob told me that everyone thought he was a great football coach and that he really wasn't. He told me he just hired the nine greatest assistants in the country, and he insisted they were the ones who made the national championships happen, not him."
As Murtaugh prepares to honor one of those nine coaches Thursday, he knows exactly what Devaney meant. "We lost one of our best," Murtaugh said. "He worked for a coach who knew it wasn't about him, and we played for an assistant who felt the same way. We've all been truly blessed. There's absolutely no question about that."
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Voices from Husker Nation
Thanks for an informative and entertaining article which matches that great era of college football. You also used one of my all-time favorite Husker coach/captains photo that graced the front of a game program each year! This particular photo of Schneiss, Devaney and Murtaugh was from the 1970 Nebraska-Army game – a photo that also appeared on the cover of the old Nebraska Farmer magazine. My favorite John Melton story, which aired on a Paul Harvey broadcast, followed Nebraska's 1986 last-second loss to Oklahoma in Lincoln. Melton told reporters afterwards that he slept like a baby the night following the game. "I woke up every two hours and cried," he said. Kevin Horn, Alliance, Nebraska
Terrific article on Murtaugh, Devaney and Melton! Thank you, as always, for your insight into the program. Marilyn Tallman, Jackson, Nebraska
What a great guy and a great coach with a tremendous sense of humor. Coach Melton always brought a smile to my face. Devaney brought a lot of great assistants to Lincoln, and they truly were the backbone of the Nebraska dynasty, and John was my all-time favorite. He will be missed. Very nice article. Bob Jones, Omaha, Nebraska
Awesome story Mr. York! I really enjoyed reading it. Coach Melton is still my favorite NU assistant coach! He was so funny at coaching clinics whenever he spoke, but he knew how to coach linebackers! Steve Borer, Assistant Principal/AD, Seward High School, Seward, Nebraska


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Wendell Barnhouse is a nationally-known and respected columnist who has spent over 20 years covering collegiate athletics. He has reported from 25 Final Fours and more than three dozen bowl games and has written about the Big 12 and its schools since the conference's beginning. Barnhouse will be updating the Big 12 Insider on happenings and behind-the-scenes information about the conference.
Kansas State coach Bruce Weber one of several coaches in the "third time the charm?" category.
Oklahoma won at Oral Roberts Wednesday night and coach Lon Kruger appears to have the Sooners on the right track.
Collin Klein and former Kansas State All-American linebacker Gary Spani have a special bond ... and it's not entirely because Klein married Spani's daughter over the summer.
Kansas junior Caroline Jarmoc, one of the big reasons why the Jayhawks' volleyball team has had such a successful season, is driven by her heritage and personality.
For those interested in the ever-evolving nature of conference realignment, Dennis Dodd of CBSSports.com explains why the Big 12 Conference is in great shape.


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The article below appeared as Tom Giachetti's Compliance Coach column for Investment Advisor's February 2013 issue. But speaking at the TD Ameritrade annual conference Jan. 31 in San Diego, Mr. Giachetti provided some additional color on how advisors—specifically RIAs—can stay compliant. "Compliance is all about getting you through the exams" of SEC and state examiners, and to do so, Giachetti said, "you have to know what questions" those examiners will be asking.
What are they asking now? Three new, post-Madoff questions are on the SEC exam, he reported: on an advisor's pay-to-play policy, on outside business activities (three questions) and on an advisor's whistleblower policy—"you'd better have one." Other items that may come up in the exams and which advisors should have a written policy on are referral fees, directed brokerage, social media, and 13F and 13H filings.
Giachetti said there is a growing incidence of email fraud being perpetrated on advisors by fraudsters masquerading as clients, so he urged RIAs to "robustly" protect any client identifying data. He also urged CEOs of advisory firms to step out of the way in favor of the firm's chief compliance officer when an examiner pays a visit.
Saying that "the SEC is getting smarter; they're hiring good people," Giachetti also warned of the dangers of advisory firms "puffing up" assets under management to go under or remain under SEC regulation rather than the states. Regarding client assets, "if you can't touch it or trade it, don't count it."
Along those lines, he also argued that an advisory firm should never use the term "assets under advisement," since there "is no such thing" as far as the SEC is concerned.—James J. Green, editor)
Let's make 2013 the year that advisory firms finally take internal control of their compliance obligations, rather than relying on unrelated parties to do so. That is not to say that outside consultants, including attorneys, do not offer a wide range of assistance, but these providers are not on premises. Someone at the firm must take supervisory responsibility. (Certain tasks may be delegated to others throughout the firm, so long as one qualified individual has the supervisory role).
Firms that have compliance programs designed for their operations (not a one-size-fits-none) will be surprised by how much easier and less time consuming compliance can be. For years, I have been saying that compliance is not hard; advisory firms make it hard. It is only with a compliance program designed for the firm, based on its operations and supervised internally by a qualified individual—the individual who the firm believes can lead it through a regulatory examination—that a firm can succeed. After all, but not for a regulatory examination, would the firm undergo all of the required (and much too often incorrectly "presumed" required) compliance tasks? So, in 2013, stop drinking the kool-aid and take control. I have compiled some top considerations below:
Is the firm adequately prepared for a regulatory exam? The scope of the regulatory examination process continues to become increasingly more complex. However, if the firm is adequately prepared to answer all of the issues that will be raised by the SEC during the examination process, the exam shouldn't be a painful or worrisome experience. I continue to spend a great deal of my time visiting advisory firms throughout the United States and Canada to make sure they are prepared. Please continue to be mindful that issues uncovered during mock exams conducted by non-law firms are discoverable by regulators and plaintiff's lawyers, especially any written reports.
Has the firm updated its policies and procedures to reflect substantive regulatory or internal changes? Do the firm's policies and procedures reflect the firm's operations? The SEC is becoming adversarial toward advisors who fail to update their written policies on an ongoing basis (at least annually). From the Commission's perspective, failure to do so is evidence of a lack of strong compliance culture within the firm.
Has the firm reviewed and updated its advisory agreements, including, to the extent applicable to the firm's operations, recently required ERISA disclosures? Do they adequately reflect the firm's practices? Generally, one size cannot fit all client engagements, especially if the firm's client base or service offerings are diverse (e.g., financial planning, discretionary vs. non-discretionary investment management, participant directed retirement plan consulting, tax preparation).
Has the firm continued to reconfirm client investment objectives on an ongoing basis? Does the firm use an investment policy statement? If so, has it been updated to reflect any changes? Correspondingly, does the firm use a "canned" initial client questionnaire? Does it contain potential minefields? Clients rarely respond to questionnaires by indicating they can withstand or tolerate large fluctuations or losses. Such questions should be reconsidered, because most advisors never go back and review such statements subsequent to the client engagement.
Do the firm's regulatory filings and marketing materials incorrectly reflect "assets under management" (a current aggressive area for SEC enforcement)? "Assets under management" is a defined term—and one that too many firms substantially overstate.
Remember, compliance is not difficult if you understand the rules and how they apply to your firm. Compliance is not a box, a kit or a series of forms; it is knowing what is required, how to successfully address it and demonstrating your mastery of such obligations during a regulatory examination. Make 2013 the year that you undertake a real review of the adequacy of your compliance processes, disclosure statement, advisory agreements and preparedness for a regulatory examination.


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Obama 2.0: The liberal agenda to come
February 11. 2013 8:07PM
If President Obama's second inaugural address was his coming out party as a liberal, tonight's State of the Union address is his first dance. It's going to be a doozy.
Do not expect a return of the mythical moderate Obama, the one who speaks of bipartisanship with an earnest tone and dances cautiously around his liberal partners, trying not to brush too close to them. Tonight he is most likely to emerge arm in arm with them. He has more "flexibility" now.
Tonight the President makes clear his priorities, and they will share one common theme: More money and more power for Washington so that it may reshape America according to the image Barack Obama has envisioned.
There is to be no serious effort to eliminate the federal debt that already is harming our economy and will only do greater damage as it rapidly expands under a President who has no interest in controlling it. There is to be no serious entitlement reform, no serious reduction in federal spending or power.
On domestic issues, expect a highly partisan, exceedingly liberal call to expand the power, scope and size of the leviathan. On foreign policy, expect retreat.
Tonight, Obama begins in earnest his plan to become the liberal Reagan, to undo the Reagan legacy and restore the FDR-LBJ welfare state, only greater and with more power and authority to control the lives of citizens. The Republican response ought to be as strong and aggressive as the President's. Hit back, and hit back hard. This is a big moment. Live up to it.