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2007 Year in Review
Drayton Harbor Shellfish Committee
By Geoff Menzies
The Drayton Harbor Shellfish District Advisory Committee has been working for over a decade to restore water quality and shellfish harvesting opportunities for the public benefit in Drayton Harbor.
Our focus in 2007 was to update our formal "Drayton Harbor Shellfish Recovery Plan" and ensure its adoption by the Whatcom County Council. Our updated plan was unanimously adopted by the council last May (Resolution No. 2007-024).
Our highest priorities are for the council and county executive to develop and fund proactive programs that will eliminate bacterial pollution from failing septic systems and livestock waste from small farms.
Whatcom County still has not provided a dedicated funding source to fully implement our shellfish recovery plan for Drayton Harbor, although that is a key piece of our plan and of Resolution 2007-024. In spite of this shortcoming, there are some new programs that are getting underway soon, which should provide some benefit to the harbor.
Based on new state legislation designed to reduce septic contamination of marine waters and other sensitive areas, Whatcom County has almost completed their "Local Management Plan," which requires county-wide routine maintenance of septic systems.
The Drayton Harbor watershed has been identified as a "Marine Recovery Area" which means that the county will initiate the new septic operation and maintenance program in this area first.
The county has also entered into a two-year agreement with the Whatcom Conservation District (CD), which will provide funds for CD staff to help property owners improve their livestock management practices.
The CD will also be working closely with the Whatcom County Planning Department, which has responsibility for enforcement of the Critical Areas Ordinance as it relates to livestock management. Both of these programs have the potential to reduce bacterial pollution of our streams and the harbor. If you live in the watershed, you can contribute to improving its health by participating in these programs as they become available.
We are hopeful that these new efforts get up and running soon and that they focus on problem areas that have been identified in the watershed.
The Puget Sound Restoration Fund, partnering with Whatcom County and the Trillium Corporation has finished collecting samples for the Bacterial Source Tracking Pilot Study that took place in parts of California Creek as well as the harbor itself. Initial results from one of the labs (EPA) showed that ruminant livestock waste was commonly found in fresh and marine water in the testing area and that human waste was also detected to a lesser extent and in fresh water drainages only.
The county needs to capitalize on this work by targeting pollution identification and control projects in these specific areas.
The Puget Sound Restoration Fund's Community Oyster Farm has expanded its oyster sales to include the Bellingham Farmers Market and other local seafood retailers and restaurants.
We especially appreciate all of the local oyster lovers in and around Blaine who support the project by purchasing our Pacific oysters on the dock in Blaine. We will continue these local sales at least through May of 2008. Over the past year, bacteria-laden runoff associated with rain events has made it unsafe for us to harvest oysters from the harbor almost 30 percent of the time.
No business can survive when its doors are closed this often and without any warning. Until Whatcom County steps up in a serious way with well-funded programs to identify and control bacterial pollution and runoff, the risk remains too great for significant investment in commercial oyster farming in Drayton Harbor beyond the existing small-scale nonprofit community oyster farm.
It would be a shame if this late in the game, with all of the successes of the Shellfish District and the Community Oyster Farm to date, we do not achieve the full recovery of water quality in Drayton Harbor that would allow for a more continuous shellfish harvest for citizens, tribal members and commercial growers.
Time is of the essence for real leadership from our county council and county executive to restore water quality and the public's right to harvest the rich array of shellfish resources that exist naturally or can be farmed in Drayton Harbor. If you are concerned about the ongoing bacterial pollution of both creeks that feed into Drayton Harbor and the harbor itself, call any member of the county council or our county executive and let them know you care.
In coastal communities like ours, the ability to routinely harvest shellfish that is free of pollution and safe to eat is an indicator of a healthy watershed and good land use practices upstream. We all deserve and should expect both.


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3686 results for "miguel cabrera"
Miguel Cabrera #24 1B
BA HR RBI OBP SLG .313 23 104 .374 .520 FANTASY OWN(WK+/-) AVG DRAFT 100.0(0.0) 1.8Next Game: White Sox vs. Tigers Tuesday 9/23 7:08 PM ET
MLB - Is this the last hurrah for AL Central leader Detroit Tiger...Paul Swydan
Paul Swydan says that despite all the big names on their roster, this season could be the last hurrah for this iteration of the Detroit Tigers.Story | Conversation | September 22, 2014
Previewing 2015 positional eligibilityEric Karabell
As we wind down another fantasy baseball regular season and look ahead to 2015, it seems worthwhile to give an update on eligibility situations that owners might not be aware of. Boston Red Sox designated hitter David Ortiz played first base in Pitts...Blog | September 19, 2014
Audio results for "miguel cabrera"
Baseball Tonight - Miggy On FireSeptember 08, 2014
Mark Buehrle, Blue JaysJune 19, 2014
R.A. Dickey, Blue JaysJune 03, 2014
Baseball TonightMay 21, 2014
How many career home runs for Miggy?David Schoenfield
Via Lee Sinins of the Complete Baseball Encyclopedia, Miguel Cabrera moved into the top 10 for career home runs through his age-31 season. The top 10: 1. Alex Rodriguez, 518 2. Jimmie Foxx, 464 3. Ken Griffey Jr., 460 4. Albert Pujols, 445 ...Blog | September 16, 2014
Photo results for "miguel cabrera"
Detroit Tigers v Kansas City RoyalsSeptember 20, 2014
Detroit Tigers v Kansas City RoyalsSeptember 20, 2014
Detroit Tigers v Kansas City RoyalsSeptember 19, 2014
Detroit Tigers v Kansas City RoyalsSeptember 19, 2014
Tigers win 4th in row on Torii Hunter, Miguel Cabrera homers
Torii Hunter and Miguel Cabrera hit back-to-back home runs in the ninth inning to help the Detroit Tigers tighten their grip on the American League Central by winning their fourth straight game, 8-6 over the Minnesota Twins on Monday night.Recap | Box Score | Conversation | September 15, 2014
To-do lists for Orioles, Angels, NationalsBuster Olney
BALTIMORE -- There will not much rest at all for Miguel Cabrera, it appears, no chance for him to stay off his right ankle and let the pain from his bone spur subside. If Wade Davis becomes weary in the next 14 days, he probably won't have much choic...Blog | September 15, 2014
Key players to watch for SeptemberDavid Schoenfield
Monday's game between the Detroit Tigers and Cleveland Indians set up to be one of those much-anticipated September pitching duels between aces on playoff contenders: David Price versus Corey Kluber, the team everyone expected to win the American Lea...Blog | September 01, 2014
Cabrera digs in, at least on MondayMark Simon & Justin Havens
It took Miguel Cabrera five swings of the bat to better his home-run production for the entire month of August. Cabrera got back on track with two home runs in a Tigers' rout of the Indians and their ace starter, Corey Kluber. Miguel Cabrera ...Blog | September 01, 2014
Tigers-Indians Preview
Tigers-Indians PreviewPreview | September 01, 2014
Miguel Cabrera hits 2 HRs, David Price rebounds as Tigers cruise
David Price bounced back from an alarming start and Miguel Cabrera homered twice, hitting one of Detroit's three homers off Cleveland's Corey Kluber, as the Tigers rolled to a 12-1 win on Monday to slow the Indians' climb in the standings.Recap | Box Score | Conversation | September 01, 2014
Video results for "miguel cabrera"
The Tigers Need Cabrera To PerformSeptember 01, 2014
Best Hitters In The GameJune 24, 2014
MLB's Top Storylines For 2014March 29, 2014
SweetSpot TV: Active Players In The Hall Of 100January 08, 2014
- 01:07
Will Tigers give Cabrera a break?AJ Mass
The Detroit Tigers are in a battle with the Kansas City Royals for the American League Central title, but their chances of coming out on top may hinge on the health of first baseman Miguel Cabrera, who had to leave Saturday night's game due to a righ...Blog | August 31, 2014
Miguel Cabrera of Detroit Tigers out of lineup with sore ankle
The Detroit Tigers withheld slugger Miguel Cabrera from the lineup for Sunday's game against the Chicago White Sox because of a sore right ankle.Story | Conversation | August 31, 2014
Abreu not in Cabrera's league just yetDoug Padilla
CHICAGO - Some similarities between Chicago White Sox rookie Jose Abreu and Detroit Tigers star Miguel Cabrera were evident Friday, but it was their differences that seemed most apparent. It was earlier this week when Cleveland Indians manager Ter...Blog | August 29, 2014
Series preview: Tigers at White SoxDoug Padilla
CHICAGO -- The Chicago White Sox and Detroit Tigers have played plenty of games against each other as American League Central rivals, but the second game of Saturday's day/night doubleheader will provide a unique moment. White Sox starter Chris Ba...Blog | August 29, 2014
Francona sees some 'Miggy' in AbreuDoug Padilla
CHICAGO -- Cleveland Indians manager Terry Francona dropped a high-level compliment on Jose Abreu on Thursday, comparing the Chicago White Sox slugger to Triple Crown winner and back-to-back AL MVP Miguel Cabrera. A day earler, Francona talked up ...Blog | August 28, 2014
Top stats to know: Yankees at TigersESPN Stats & Information
ESPN Stats & InformationMiguel Cabrera is not as good against the inner-half fastball as he was in 2013.The Detroit Tigers host the New York Yankees in the second game of their three-game series on "Wednesday Night Baseball" (7 ET, ESPN/WatchESPN). T...Blog | August 27, 2014
The Jeet Sheet: Jeter vs. TigersKatie Sharp & Mark Simon
Mark Cunningham/MLB Photos/Getty ImagesAmong those Derek Jeter posed for photos with at his final All-Star Game was slugger Miguel Cabrera.All season we'll be tracking Derek Jeter as he prepares to play in his final series against each team. Here's a...Blog | August 26, 2014

subset: commoncrawl


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Jan 21
It is really sad to see the crazy expansion of concrete, steel and glass in Pune, with completely haphazard architecture standards. It is the same state in all major cities in India. In many cases, there is an attempt to emulate foreign architecture concepts that don't blend in here very well. This extends to those ridiculous sounding names in English (and French, Italian, Spanish)! Incentives for Preserving and 'Recreating' Heritage Architecture In New Buildings « Amit Paranjape's Blog


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" Brad Green Media Interview "
Brad Green CEO/Founder of BradGreenMedia was born and raised in Bronx,NY. In high school he realized he enjoyed recording videos when he taped & edited basketball games for practice. After high school he lost interest temporarily. He resumed his craft again in August of 2011 when he made a pilgrimage to California with his new Canon Rebel and never put it down…
Q: When did your career start?
A: Well it depends on which career. Photography/Videos, I would have to say about four months ago. I have been making beats since 2004; started with a MPC 2000 now I use Reason and Recycle. I try to be creative all day everyday. I like to entertain and have a message as well. I feel as if my art speaks for itself.
Q: Describe your fantasy photograph + production:
A: My ideal fantasy photograph would be me on one of those hang gliders, some where like the Grand Canyon, gliding, snapping everything I see. Then when I get home, make a beat & create a video out of the photos.
Q: In your opinion, what makes photography an art?
A: What makes photography an art to me is that it is a forever captured moment of what you see; all the techniques, effects; its a form of expression.
Q: If there was an opportunity to shoot one person nude. Who would it be & why?
A: One person I would love to shoot nude would have to be Teyana Taylor. Check her out.
Q: Who are 3 people that you would like to work with in the near future?
A: Three people that I would like to work with would have to be, Kanye West, Cee Lo Green and Swizz Beatz.
Q: To sum it up. What can we expect from you this yr + where can the viewers find work from you ?
A: To sum it up, this year I will be focusing more on perfecting my "Art in Motion" craft, along with more instrumentals and pictures. I don't do much talking.
Below you will find a few sites where you can reach out to BGM:
(VIA: ONP & BradGreenMedia)
-Photo 2 & 3 (VIA: ONP)
© Copyright 2011-2012 All Rights Reserved ONP.
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The food was generally poor, especially tough beef and pork and undercooked potatoes and carrots.
Service was by and large outstanding, from the cabin steward to the wait staff in all the dining areas on the 15th deck and the International Cafe on the 5th deck. I have generally found that the wait staff in the formal dining rooms are a bit impersonal but if you're ever on the Crown Princess and dine in the DaVinci dining room ask for a female waitress, Tatiana and her assistant Dennis. Personal, friendly, helpful and has probably the fastest knife in the dining room, when she separates the shells from the lobster and prawns.
Tours varied, Among the best were Bar Harbour tour of Acadia National Park and lobster dinner, which was great. Also the tour of St Johns, NB with a tour guide "blue Bonnie". Among the worst was the tour meant to immerse us in Anne of Green Gables on PEI. Spent more time seeing the mussel farms then we did visiting the authors birthplace and homestead.


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I made it exactly as in the recipe, since it was the first time. My finicky husband, who only likes his shrimp boiled and his haddock baked with lemon, loved this dish. Hooray for anything that satisfies his traditional and my adventurous tastes at the same time.
Orange-Saffron Shrimp-and-Snapper Stew
Randy Mayor; Mary Catherine Muir
Yield: 4 servings (serving size: 1 cup)
More From Cooking Light
Nutritional Information
Amount per serving
- Calories: 179
- Calories from fat: 27%
- Fat: 5.4g
- Saturated fat: 2.3g
- Monounsaturated fat: 1.3g
- Polyunsaturated fat: 1.2g
- Protein: 24.8g
- Carbohydrate: 7.5g
- Fiber: 1.4g
- Cholesterol: 117mg
- Iron: 2.9mg
- Sodium: 443mg
- Calcium: 104mg
- Cooking spray
- 1 cup chopped green onions, divided
- 1/2 teaspoon sugar
- 1/2 teaspoon dried thyme
- 1/4 teaspoon grated orange rind
- 1/8 teaspoon ground red pepper
- 1/8 teaspoon saffron threads
- 1 (14.5-ounce) can diced tomatoes, undrained
- 1 (8-ounce) bottle clam juice
- 1/2 pound red snapper or other firm white fish fillet, cut into 1-inch pieces
- 1/2 pound large shrimp, peeled
- 1 tablespoon butter
- Heat a large saucepan coated with cooking spray over medium-high heat. Add 3/4 cup onions; cook 2 minutes or until tender. Add sugar and next 6 ingredients (sugar through clam juice); bring to a boil. Cover, reduce heat, and simmer 15 minutes.
- Increase heat to medium; add fish and shrimp. Cook 5 minutes or until shrimp are done (do not stir). Remove from heat; stir in 1/4 cup onions and butter.
My Notes
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Orange-Saffron Shrimp-and-Snapper Stew Recipe at a Glance
- COURSE: Soups/Stews
- CONVENIENCE: Quick/Easy
- CUISINE: American, New American, Spanish
- MAIN INGREDIENT: Fish, Shellfish
- OCCASION: Super Bowl
- PUBLICATION: Cooking Light
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I will give you 1,000 acres of land on Planet Orgy for your people if you aid us in this military conflict.
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facing the musicPosted by Lawrence Dillon in Uncategorized
Here's a cool pikchah of me with music all over my face.
It's from the seminar we did here a few weeks ago about the intersection of art and science in advance of the premiere of my Shadow on the Sun.
The seminar was hosted by ARTstem's Michael Wakeford. Solar physicist Eric Carlson brought us up to date on the latest findings in sun studies, including some tantalizing paradoxes. Then I talked about how these issues found their ways into my piece.
Eric made a fascinating philosophical point at the conclusion. Talking about the equations he could show us that would explain various features of the sun, he said that in the end they were just numbers, just symbols that clarify certain aspects of the way we experience the universe. As such, they were no more or less accurate than the music I had written, which was also symbolic in nature, and which "explained" solar activity in both rational and intuitive terms.
In certain circles, descriptive music is sneered at as the lowest kind of artistic endeavor. In Carlson's formulation, though, artistic description is one of many ways we have of understanding our environment – and understanding our environment is an important enough endeavor that scientists need to use every means at their disposal.
Kind of gives me more respect for what I do.
And now I have to go wipe some of those sixteenth notes off of my nose.


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Unemployment rates in September
October 06, 2003
The number of unemployed persons, 9.0 million, was about unchanged in September, and the unemployment rate was 6.1 percent, the same as in August.
Unemployment rates for the major worker groups—adult men (5.7 percent), adult women (5.3 percent), teenagers (17.5 percent), whites (5.3 percent), blacks (11.2 percent), and Hispanics or Latinos (7.5 percent)—were little changed in September. The unemployment rate for Asians was 6.2 percent, not seasonally adjusted.
In September, there were 2.1 million unemployed persons who had been looking for work for 27 weeks or longer, representing 23.2 percent of the total unemployed. Since November 2001, the proportion of long-term unemployed has increased by about 9 percentage points.
These data are from the Current Population Survey. For more information on current unemployment, see "The Employment Situation: September 2003" (PDF) (TXT), USDL 03-523.
Bureau of Labor Statistics, U.S. Department of Labor, The Editor's Desk, Unemployment rates in September on the Internet at http://www.bls.gov/opub/ted/2003/oct/wk1/art01.htm (visited September 23, 2014).
Spotlight on Statistics: Productivity
This edition of Spotlight on Statistics examines labor productivity trends from 2000 through 2010 for selected industries and sectors within the nonfarm business sector of the U.S. economy. Read more »


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The CDC is calling this flu season one of the worst we've seen in years. 47 states are now reporting widespread flu activity, including Arizona, where some 500 new cases popped up in Maricopa County alone last week.
The surge in sickness has a lot of people rushing to get a flu shot. Clinics and pharmacies are getting inundated with calls about people trying to locate the vaccine.
One tool we found was on the Health and Human Services website. It has a Flu Shot Finder -- all you have to do is type in your zip code and the places that have it pop up.
We found some at a Safeway pharmacy Friday at 7th Street and McDowell, and even I decided to get a flu shot.
One customer after another filed in, trying to protect themselves from the flu.
"My doctor recommended it, other people recommended it…why wouldn't you," says Nancy Bonnet.
Most people typically get their flu shots during the fall, but because of a recent surge in flu cases, pharmacies are seeing a flood of patients -- many who normally don't get the shot.
"All of our pharmacies have gotten a number of calls, we're busy in all our stores," says Safeway Pharmacy manager Andrew Gaspar.
Gaspar says they have plenty of the vaccine in stock.
"Because we've been doing the flu shots for so long, we were able to secure a large supply at the beginning of the season so a lot of those doses we reserved and we have those coming in," says Gaspar.
According to the CDC, this year the vaccine appears to be about 62 percent effective against the current circulating strain of flu, which is actually slightly more effective than previous years.
Nancy Bonnet is glad she got hers today, and she points out its painless.
"Nobody wants that nobody wants to have to miss work, nobody wants to miss play, so you should probably go and get a shot."
Well I'm not a fan of needles either, and it really was painless.
Safeway pharmacy has a large supply in stock now and is getting more next week as well.
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Audit Reveals OSHA and State Plans' Use of Recovery Act Funds
The American Recovery and Reinvestment Act of 2009, passed to provide economic stimulus at the height of the recession, gave $13.6 million to OSHA. Of that amount, $6.4 million was never spent, for various reasons. The report on use of funding written by the Department of Labor's Office of Inspector General can be found at http://www.oig.dol.gov/public/reports/oa/2013/18-13-004-10-105.pdf.


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Some inmates at Estrella Jail in Phoenix don't like Sheriff Joe Arpaio's new vegetarian menu so they reportedly started a hunger strike early this week and the Maricopa County Sheriff's Office said the women's effort is growing.
Seven inmates complained on Monday about the new all vegetarian, all soy-based food that Arpaio launched and now nearly an entire pod of women are on the hunger strike, according to MCSO.The sheriff said they cannot force the women, who are in the jail awaiting trial, to eat.Arpaio plans to hold a news conference at 3 p.m. Wednesday to address the strike.Stay with cbs5az.com and CBS 5 News for updates on this developing story.
Copyright 2014 CBS 5 (KPHO Broadcasting Corporation). All rights reserved.


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5 ways your bank spies on you
If you think your bank doesn't care about you, you might be surprised to know just how far it will go to find out -- or try to guess -- more about you.
Related topics: banks, banking, financial privacy, credit cards, Liz Weston
Chances are, you don't feel close to your bank.
Banks tend to be big and imposing, which can make you feel like a faceless, anonymous number -- just one among the multitudes who deposit and withdraw money there.
But you're not going unnoticed. In fact, your bank is keeping an ever-closer eye on you these days. Tighter credit standards, new ways to combat fraud and an ever-growing pile of monitoring services offered by credit bureaus and other analytics companies means that banks know, or guess, more about you than ever before.
Here are just some of the ways they're tracking you.
1. Transaction scores
Every time you swipe your credit or debit card, the transaction is scored to gauge the risk of fraud, said John Ulzheimer, the president of consumer education at SmartCredit.com and the author of "You're Nothing But a Number." Where you're shopping, how much you're spending and how that compares with your usual patterns are noted and analyzed. Atypical or high-risk spending patterns can result in a call from the bank's fraud department, a hold on the transaction or even the temporary shutdown of your card.
Liz Weston
What seems like innocent behavior to you can be highly suspicious to the bank's software. If, for example, you top off your car's gas tank and then head over to Target to stock up, you might trigger a red flag. That's because credit card thieves often try using a card at a gas pump to see if it's active. If it is, they may barrel over to a retailer to use the purloined account to buy electronics and other easily fenced items.
Of course, thieves change their tactics all the time, and bankers constantly tweak their software, so it's hard to predict what could set off a fraud alert. To keep disruptions to a minimum, give your bank plenty of ways to contact you. Make sure it has your current cell number and consider signing up for e-mail or text alerts that can let you know when a problem occurs. Call your bank when you plan to be out of the country and consider giving it a heads-up when you're off to buy electronics of high value, such as a new television or computer system.
2. Behavior scores
Credit scores gauge how a person handles a variety of credit accounts. Behavior scores, by contrast, look at how a person handles an individual financial account. Behavior scores got a bad name a couple of years ago when American Express told an Atlanta businessman his credit line was being cut in part because of where he shopped.
"Other customers who have used their card at establishments where you recently shopped have a poor repayment history with American Express," AmEx's letter to Kevin Johnson said, which led to headlines like "AmEx hates Wal-Mart shoppers." American Express quickly dropped behavior scores from the tools it uses to determine credit lines.
But behavior scores still are widely used as risk-evaluation and marketing tools. On credit accounts, behavior scores look at where and how you spend your money, as well as how you pay your account. (Do you pay in full? Minimum payment only? Sometimes carry a balance, sometimes not? Often late, but never by more than a few days?)
Card issuers can use the scores to, for example, guess whether a missed payment is an anomaly that can be ignored or the start of a default that might trigger them to start calling you daily about when you're going to pay. A sudden switch in spending -- such as starting to take cash advances or spending a lot of time in casinos -- may also send up red flags. Additionally, lenders use behavioral scoring to help target marketing efforts such as who gets low-rate balance transfer offers.
Bankers can use similar scores to monitor how you handle your bank accounts. What the scores tell them may help determine how long you have to wait before you can access deposits (known as "deposit holds"), whether a customer-service representative can waive a fee you don't like and what other products the bank may try to sell you.
Fair Isaac, the creator of the leading FICO credit score, works with banks to create custom behavior scores that monitor bank balances, withdrawal activity and the source of deposits, said Debb Gordon, a senior principal consultant for the company.
A halt in direct deposits, for example, might indicate a customer has lost his job. If the customer has a high behavior score and a high FICO score -- which are good indicators that he or she will find another job soon, Gordon said -- the customer might be offered a payment holiday, with the missed payments being added to the end of a loan. If his scores aren't so high, suggesting a protracted job hunt, the bank could suggest a workout plan or take other measures to reduce its risk.
Banks also may use depositor behavior scores to extend credit to people who may not have a credit history, such as young people or immigrants, Gordon said.
"The score was developed to help the underserved or inconsistently served," Gordon said.
3. Income estimators
The Credit CARD Act of 2009 requires bankers to assess applicants' ability to pay a credit card account, and they're allowed to use analytical tools that guess at potential customers' income.
And "guess" is the operative word, because income-estimation tools are used to extrapolate your pay from factors such as the size of your mortgage and your available credit lines. The estimations aren't precise: Experian said last year that about 85% of the incomes it estimates around $35,000 are in reality only somewhere under $50,000 and that 15% are actually above $50,000.
It's not that your income is necessarily all that secret. Huge employment databases exist that list people's names, employers and salaries. But not everybody is in these databases, the information can be outdated, and using an income estimator is typically cheaper, so bankers increasingly use this tool, along with others, to evaluate you.
4. Wealth estimators
Another factor that determines your ability to pay is your overall wealth -- your home equity, savings and other assets. But bankers are also interested in ferreting out this information for marketing purposes, so they can reach out to potential customers and pitch more-appropriate products to the customers they have.
Credit bureau Equifax made a big move in this arena when it bought IXI in 2009. About 100 banks and other financial institutions submit information about individuals' investments and assets to IXI's database, which represents more than 40% of individual invested assets in the U.S. The data are anonymous, so the individuals involved aren't personally identified, but it's aggregated by ZIP code to give banks an idea of average wealth levels. The database is also used to construct models to estimate individual wealth.
5. Collection services
As you've learned, bankers have software that can help them assess whether a missed payment was likely an oversight or if you're really in over your head. Once it's clear you've stopped paying, bankers can use other tools, including software that predicts how likely they are to be able to collect from you and programs that monitor your financial situation, looking for signs of improvement -- such as a new employer or debt levels that start to decline.
Credit bureau Experian, for example, touts its Collection Triggers program with the tag line "When nonpaying customers resurface, be the first to know." The program offers daily monitoring of credit reports for a customizable set of triggers including new contact information or indications of increased ability to pay debts, which can help subscribing lenders "be the first to the (debtors') door for wallet share" -- in other words, the first to ask for repayment.
Now, the use of this and other monitoring tools isn't universal, and banks (and credit unions) often use the same tools in different ways. But it's a safe bet that your bank is using several tools to keep tabs on you and to extrapolate the various risks and opportunities presented by your behavior. That may be good news if you carefully manage your accounts, but woe betide you if you mess up. Remember, Big Banker is watching.
Liz Weston is the Web's most-read personal-finance writer. She is the author of several books, most recently "The 10 Commandments of Money: Survive and Thrive in the New Economy" (find it on Bing). Weston's award-winning columns appear every Monday and Thursday, exclusively on MSN Money. Join the conversation and send in your financial questions on Liz Weston's Facebook fan page.
-I fired all banks a few years ago. I now do credit unions and refillable debit cards, live in an RV in a park, carry no loans and do all business in cash that is not on my debit card, which gets quite a workout to actually 'earn' the reasonable fees.
How did I get put in this position? Layoffs, missed tax deadlines, unable to pay the tax on unemployment wages, and the killer -I buried a 25 year old stepson that had zero health benefits thanks to the insurance industry and their draconian mentalities. -all at the behest of our capitol hill folks.
I'm not mad...far beyond that...I'm going to VOTE AS MERCILESSLY as the establishment has been with me.
This IS WAR!
My dad always used to say " Never be a borrower or lender be " and "if you have to buy anything on credit it's the same as wearing a rope around you neck". He said "if you want to buy a big ticket item, it's called layaway " if you cant do that then walk away. He knew back then what this country's banking system would turn out to be like. I've also noticed that jobs will do a credit check before they consider hiring you. What has this world come to? GREED! My land lord decided to charge me $100.00 extra a month because my son is living with me temporarily. I'm struggling to make ends meet. It's bad enough I am stretching every dollar I earn, This makes me want to scream!!!
Banks need to stop making up there own rules and stop nailing us little people!!!! I work hard, it annoys me when banks think they can charge an outrageous fee for overdrafts!
And now we can add on that former employees with a grudge will give personal information to place like Wikileaks as the fired Swiss banker has done.
Personally, I am past being concerned about what banks do or do not think of me. I feel that I will use them, when it does not cost me a cent. They can pay me interest-if I feel the interest is high enough to use them. It is amazing what people can do without having to rely on credit cards or credit scores. Debit cards can be used as credit, in the same way and with the same protection. Paying myself the interest that I would pay the bank is a much smarter way to think than the other mindset. If I want a big item, I'd better rethink how I can put money aside for that purchase or event. If I want, I can put things on price hold, or advance purchase (aka layaway) provided there is no fee or the sale price outweighs the holding fee. Or I can buy from certain vendors with no interest 3 or 4 payments and free shipping, but basically, I just wait and buy things on sale. Life is so much simpler when I do not have to worry about what a bank thinks. It is time for us to think for ourselves, about ourselves. It is one reason that I won't allow the banking industry into my 'life insurance', hospital insurance, or any other sort. of risk factors. I go from the NYOB philosophy. ( It is none of a bank's business should I need to go to a hospital, etc).. Although free, the insurance is not something that I will buy into, because it allows the banks into my medical history. The prying eyes of certain industries could prevent a loan, I favor the NYOB philosophy of doing business. It is none of your business (your meaning the bank, insurance, or marketing venturers, Wikileaks and other data predators) what, where, how or why I shop for this or that. It may not even be for me personally. It is just stupid to be concerned with someone else who is the invader-just do not give them the satisfaction and to go offline and pay cash for every transaction, or buy some no name cards and use them. Privacy is a difficult commodity nowadays.
@Bankerbabble......First of all, you misspelled (ironically) "rocket science" and "character"....FYI you lose some credibility in your argument on that alone...
Banks are private companies, EVEN THE FEDERAL RESERVE!!! (go ahead research it) These private companies have one main job, that is to handle all things financial for their clients/customers. Why is it that these companies need a bailout? Because they made poor decisions in character about who to loan out to and got themselves into a hole....yet we are supposed to allow them to have the final word in rating our worth? If a catering company was known for poisoning customers with their food, should we let them cater our wedding? No. So why let another private company be the judge of your character when they have obviously failed at doing so in a major way
Food for thought, since banks are privately owned, and the Fed is privately owned and not regulated by the government, the bailout money for those banks came from our government, who got that money from the Fed. When the Fed prints money for our government, they add interest to every dollar the government borrows for circulation, putting our nation further into debt. The only one coming out on top is the Fed. It's no wonder why Big Banks don't mind getting bailouts, since they are owned/regulated by the Fed, the ones making the money in all this....wake up America, before it's too late!!
You are all fooling yourselves. By way of any number of laws recently put into place, the federal government has essentially turned all banks into spies for law enforcement and the IRS. Everything you do – even with cash because you have to get the cash somewhere – is recorded and monitored for suspicious activity. 1984 is alive and well!
I bank with a credit union, and I can personally attest to the same tactics being used at many of these so-called 'customer owned' banks. The bank is only as decent as the people operating it.... Beside the convenience of using a debit card for purchases (minus overdraft 'protection'), and loans for individuals and business, the rest of the services are a scam to drain your wallet, period.
It is naive to think that the bank is trying to protect YOU from fraud, to the contrary, they are trying to protect the BANK, as well as it's invested interest in your account.
I guess if the article was titled something other than "5 Ways Your Bank Spies on You," no one would read it.
This article fails to mention the fact that regulators, like the FDIC, EXPECT and ENCOURAGE us to monitor our customer database in order to prevent a loss to the bank due to fraud, loan charge-offs, etc. In fact, some regulations MANDATE that we do this monitoring in a certain way.
This article was going along OK, until the last two sentences, "That may be good news if you carefully manage your accounts, but woe betide you if you mess up. Remember, Big Banker is watching." We may be watching, but thank your lawmakers and the FDIC for that, not us.
" That may be good news if you carefully manage your accounts, but woe betide you if you mess up. Remember, Big Banker is watching."
I found this closing sentence quite entertaining, and possibly unintentionally insightful. 'Big Banker' has mismanaged their credit, stocks, assets, integrity, accountability, reputations and
responsibility so thoroughly; that to assign overt judgement or any type of omniputence to 'Big Banker' is laughable.
Watch yourselves, be alert, that's the key. In doing so, your providing less fodder for and in turn watching 'Big Banker'.
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
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The Fed's latest statement confirms that it won't be coming to the rescue of depositors soon, but these institutions are worth following anyway.


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August 25, 1999
The Honorable John Edward Porter, Chairman
Chairman Porter:
As you are aware from past experience, the American Society of Safety Engineers (ASSE) has been committed to the protection of people, property, and the environment since 1911. We have enjoyed our relationship with your professional staff, and have worked with them before on numerous safety and health issues. Yesterday, this office sent a letter to you calling for assistance in maintaining, and hopefully increasing, the current level of appropriations for the U.S. Occupational Safety and Health Administration (OSHA), U.S. Mine Safety and Health Administration (MSHA), and the National Institute for Occupational Safety and Health (NIOSH). The letter is the collective voice of our 33,000 members.
However, in addition to that letter it is also appropriate for the employees of ASSE to call on you as well. Over fifty (50) employees work for ASSE in areas ranging from chapter administrative services to delivering mail and packages. Government regulation is not the only driver of safety and health in the workplace, we know that, but it is an important one. We know from past experience that such a driver has been critical in helping protect workers and increasing awareness and appreciation of the safety profession. Our concern is that if the safety and health budget is significantly cut this national focus could be impaired, leading to increased number of injuries, illnesses, and fatalities. We do not want to see this happen and implore you to take appropriate action.
While ASSE does not fall into your district, there are a number of employees here who are your constituents. The next time you are back in your district, we would like to extend an invitation for you to visit ASSE, meet the staff, and have lunch. If you would be interested in visiting we would also invite representatives from some of the other safety and health organizations in the area, (e.g.: National Safety Council) so we could hear directly from you what your plans are for federal safety and health agency appropriations.
This letter is being sent under my signature since I have the privilege of serving as Executive Director of this esteemed organization. However, since this issue is of such importance you will also see that the ASSE employees have also signed this letter en-masse as a way of indicating our concern with the current situation.
I thank you for your attention to this matter. Our hope is that you will be able to tour the Society at a date and time of convenience to you. If ASSE can be of any further assistance please feel free to contact the Society at 847/699-2929.
Fred F. Fortman, Esq.
Copy To: ASSE Board of
Click here to go
back to the ASSE Correspondance, Statement, and Testimony page.


text:
JOLIET | Mount Carmel had played 41 baseball games entering its Class 4A state semifinal contest Friday against Lyons Twp., and each time the Caravan had tallied at least a pair of runs.
That streak came to an end at Silver Cross Field, and so, too, did the Caravan's title dreams.
The Lions got all the runs they would ultimately need when their first two batters reached base and eventually scored in the first inning. They tacked on a pair of insurance runs in the sixth to topple the Caravan 4-1.
Lyons (36-4) will face Providence Catholic, a 9-1 winner over Prospect in the first semifinal, at 5 p.m. today for the championship. Mount Carmel (32-8-1) will take on the Knights at 3 p.m. today in the third-place contest.
"Our guys played hard, like they do all the time and like they've done all year," Caravan coach Brian Hurry said. "These two guys sitting with me (seniors John Kravetz and Jeff Boehm) and their teammates gave their coaches and their teammates everything they had."
Though their bats were held in check, the Caravan were hardly dominated. At least one Mount Carmel hitter reached base in each inning, but the Caravan stranded a total of 10 runners against Lions pitcher Zach Remijas (11-0)
"He's a good pitcher," Hurry said. "He can throw more than one pitch for a strike.
"He did a good job of pitching out of some jams. We had guys on base numerous times. I'm not his coach, but he seems like a kid that's got a lot of guts."
Boehm was similarly impressed.
"He hit his spots very well," the Kentucky-bound senior said of Remijas. "His curveball had good break on it. If you were looking for it, he'd beat you with his fastball. If you were looking for his fastball, he beat you with his curveball."
Despite being off-balance most of the evening, the Caravan still hit the ball hard. Two threats ended on hard line drives hit right at Lions infielders.
"I thought we had a chance to come back," Boehm said. "We didn't take care of opportunities when he made mistakes over the middle."
Only a two-out, seventh-inning single by junior Sam Kint off Lyons reliever Keith Lehmann that drove in Chris Sujka kept the Caravan from being shut out.
Kravetz got the start for Mount Carmel and pitched well enough to win, allowing just three unearned runs and surrendering no walks.
Lyons' Spencer Mahoney and Steve Heilenback opened the bottom of the first with a single and double, respectively, and both came around to score, staking their team to an early lead. Kravetz recovered, though, by throwing four scoreless inning before surrendering two runs in the sixth.
"I really didn't feel that great today," Kravetz said. "I was just trying to throw strikes and pitch to contact, (but) I just left a few pitches over the middle that they hit hard. In a game like this, that's the difference."


text:
October is known for above-average volatility, though the reasons are unclear. Expect more of the same this time around.
- Russia's chicken gamble backfires
Russians are now paying more for poultry products. US producers are unscathed.
- 10 retailers primed for huge sales growth
Here are the sob stories and rising stars in the competitive retail sector.
The Dow is lifting on the backs of shares that investors had written off.
Sure, this market should be going down already. Sure, this year has become too good to be true. You can sell now and take it all to the bank and no one will mind that you made it because you played the first few weeks of January.
There's still Greek uncertainty. Google's (GOOG) hammering. Downbeat commentary about Europe across the board. We should be in a tailspin.
Housing data this week points to a sector recovery -- but not as fast as investors want.
Technical action in the popular ETF and rampant bearish sentiment suggest that a buying opportunity could be set up in coming weeks.
By Tom Aspray, MoneyShow.com
Gold futures and the SPDR Gold Trust (GLD) have edged higher over the past three weeks but have failed to keep pace with the rally in the stock market. As I noted in November, investor interest in gold seemed to be very low, and by December, bullish sentiment for gold dropped to extremely low levels.
Though the sentiment is likely less negative now, headlines like "Gold Sheds 'Can't Lose' Status" over the past month suggest to me that gold is still close to completing an intermediate-term low.
"If you're so rich, why aren't you so smart?"
By Morgan Housel
In his book Fooled By Randomness, Nassim Nickolas Taleb describes "luck disguised and perceived as nonluck (that is, skill)." He explains: "It manifests itself in the shape of the lucky fool, defined as a person who benefited from a disproportionate share of luck but attributes his success to some other, generally very precise, reason."
Are you listening, Wall Street?
These northern companies offer excellent appreciation potential.
We believe many outstanding buying opportunities exist among Canadian stocks. As such, we screened our Benjamin Graham database to find Canadian companies with rapidly growing earnings and strong balance sheets.
The six companies recommended below offer excellent appreciation potential during the next six to 12 months.
As traders push stocks slowly higher, blissfully ignoring all that's still wrong with the global economy, there's evidence that something is amiss.
Stocks inched up Thursday for the 10th day out of 12 trading sessions in 2012, pushing various technical indicators deeper into oversold territory and reaching levels not seen in many cases since late last April, when stocks were putting in their bull market high. Volume and breadth were pathetic. Up volume accounted for only 65% of total volume on the NYSE.
All that matters, apparently, is that the European Central Bank dumped just over €200 billion in three-year money into the system a few weeks into a long-term refinancing operation to supply capital to banks. While not exactly like the quantitative easing done by the Federal Reserve a few times, this LTRO looks, smells and tastes just like the Fed's QE1 and QE2 to the Wall Street fat cats worried about their bonuses.
|Anthony Mirhaydari
As in the past, bonus cuts are forcing traders to go out on their own.
The cost-cutting on Wall Street (particularly notable when it comes to initiatives aimed at limiting outsize bonuses) is about to spawn a brand new generation of hedge funds.
That is common sense. It has happened before in the wake of upheavals in global financial markets and the financial services industry. What is unclear this time is whether those next-generation hedgies will find investors quite as eager to back their new endeavors with cold hard cash.
|The Fiscal Times
The company's shares have been stuck for more than a decade.
The Fairfield, Conn., company, which on Friday reported disappointing results, is a handful for anyone to manage because of its diverse portfolio of businesses. Were it created today, there is no way anyone would cobble together a group of divisions such as energy infrastructure, appliances and medical imaging equipment that have no apparent connection. The company's involvement in the entertainment business made the least sense of all, so it's good that GE transferred control of NBC Universal to Comcast (CMCSA).
Several key parts providers look even better than the aerospace giant, with some of the best mutual funds already on board.
By Igor Greenwald, MoneyShow.com
Maybe the housing market has hit bottom. Maybe it's up-and-away for long-suffering banks. Maybe . . . the truth is no one really knows, and bets in those sectors remain as risky as they are potentially lucrative.
Investors seeking better visibility with plenty of rewards still in place could look instead to aerospace suppliers with inexpensive stocks that have held up well during recent market turbulence.
Lockheed Martin is downgraded to 'underperform.' Agrium, Mosaic are reinstated with a 'buy.'
Friday's noteworthy upgrades include:
- Noble Corporation (NE) upgraded to Buy from Hold at Deutsche Bank
- Whiting Petroleum (WLL) upgraded to Outperform from Market Perform at Wells Fargo
- SL Green Realty (SLG) upgraded to Outperform from Neutral at Cowen
- Southwest (LUV) upgraded to Outperform from Market Perform at Raymond James
- Range Resources (RRC) upgraded to Neutral from Sell at Lazard Capital
But make sure you avoid bank-only funds.
Many big banks have reported, or are announcing, fourth-quarter earnings this week, including Bank of America (BAC), which announced a positive earnings surprise Thursday.
But with banks still on shaky ground, investors interested in Bank of America should instead consider opting for an exchange-traded fund.
ConocoPhillips, Seagate Technology, Credit Acceptance and Coca-Cola Enterprises are undergoing share repurchase programs.
Our Buyback Premium Portfolio is beating the S&P 500 by more than 30% since its inception in 2000. The portfolio is up 17.50% vs. a decline of 12.55% in the S&P 500 over the same time frame.
Here's a look at the latest four additions to this portfolio: ConocoPhillips (COP), Seagate Technology (STX), Credit Acceptance (CACC) and Coca-Cola Enterprises (CCE).
The company represents a solid, diversified alternative in the wireless space.
By: Jared Levy
The future of global communication and culture is without cords and boundaries. Wireless technologies are changing the way we live, work and play. Companies like Apple, Motorola, Samsung, Sandisk, Lenovo, Plantronics and many more are creating products that influence everything we do as a society. Brightpoint (CELL) is a necessary catalyst for their continued success and in turn reaps serious rewards from growth in the entire space.
Brightpoint has over 25,000 B2B customers in over 35 different countries. The aforementioned companies are just a few of Brightpoint's customer base. In 2010 alone, the company handled 99 million wireless devices globally.
Plenty -- like why new ad formats led to lower per-click revenue.
Now that Google (GOOG) has posted revenue and earnings that were well short of the Street's expectations, the question is: How bad is it?
On the face of it, it looks bad indeed. Google's stock tumbled as much as 10% to $574 in after hours trading Thursday, after the company posted revenue of $8.13 billion in the fourth quarter of 2011 and earnings $9.50 per share. That was shy of the $8.41 billion and $10.49 per share that analysts had been expecting.
Reynolds American has invested heavily in these new products, and FDA scrutiny could torpedo those plans.
By Samuel Richter, Benzinga Staff Writer
The Food and Drug Administration is considering the health impact of dissolvable tobacco, leaving investors concerned that new regulations may hurt Reynolds American (RAI). Shares in the tobacco giant dropped nearly 2.5% in trading on Thursday.
With experts urging regulators to consider the candy-like appeal of flavored dissolvable tobacco to children, there may be good reason to worry. Dissolvable tobacco differs from ordinary chewing tobacco in that it dissolves in the mouth.
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
US markets were able to rally hard and largely trim the day's losses. Meanwhile, a bounce in crude oil could be in the offing.
Top Stocks provides analysis about the most noteworthy stocks in the market each day, combining some of the best content from around the MSN Money site and the rest of the Web.
Contributors include professional investors and journalists affiliated with MSN Money.
Follow us on Twitter @topstocksmsn.
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[BRIEFING.COM] The stock market began the new week on a cautious note. The S&P 500 lost 0.3%, but managed to erase more than half of its opening decline. Thanks to the rebound, the benchmark index reclaimed its 50-day moving average (1976.78) after slipping below that level in the morning.
Equities slumped at the open amid a couple global developments that dampened the overall risk appetite. Continued student protests in Hong Kong and a potential response from China weighed on the ... More
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text:
THDL Search
About THDL Search
This is a very simple widget for searching the Tibetan & Himalayan Digital Library (an international community using web-based technologies to integrate diverse knowledge about Tibet and the Himalayas for free access from around the world).
Whats New in this Version
- Added the ability to search either the whole site or the Tibetan dictionary.
Apple is providing links to these applications as a courtesy, and makes no representations regarding the applications or any information related thereto. Any questions, complaints or claims regarding the applications must be directed to the appropriate software vendor.


text:
Industry Focus:Retail
- Company Website: http://www.iqmetrix.com
Founded in 1999, iQmetrix is a leading provider of Saas retail management solutions on the Microsoft platform. Our goal is to create great experiences for the consumer, the employee and, the retailer. Our flagship product, RQ4, is a complete software solution designed for wireless retailers to manage people, business processes and strategic decision-making. Our new product, XQ Interactive Retail, is a suite of in-store digital media solutions that attract consumers, engage and guide them through a purchase process. XQ Interactive Retail uses Windows touch interfaces to power in-store displays and Windows Azure to deliver content, management, reporting, and scheduling services iQmetrix is a privately held software as a service (SaaS) company with offices in Canada and the United States. iQmetrix is a Gold Certified Microsoft ISV Partner.
IQMETRIX has not been reviewed by any customers.
The views and opinions submitted and expressed here are not those of Microsoft.
Applications from this company
Competencies & Certifications
- Microsoft Partner
- Gold Application Development


text:
When Lincoln, Neb.-based Duncan Aviation broke ground on its new 175,000-sq-ft maintenance hangar facility it did so with the recommendations of the MRO's Green Team in mind. The original design included recommended elements such as LED lights, radiant floor heating and skylights.
Maintenance and Modifications
News and issues about aviation maintenance, repair and overhaul (MRO), covering all segments of the aviation industry; and modifications for aircraft and engines. Subjects include product support of aircraft, engines and avionics, MRO company mergers, acquisitions, announcements and personnel, Airworthiness Directives, Supplemental Type Certificate approvals and other topics.
Cessna has named Air Services an authorized independent non-destructive testing (NDT) facility for the second year in a row. "With this certification, Air Services has access to all equipment and materials needed to perform NDT inspections and testing on all Cessna Citation models. Our NDT team can travel anywhere to support customer testing needs," said Shawn Ehrhart, NDT manager of Air Services.
Graham Partners, a private investment firm focused on investing in businesses with advanced industrial technologies and innovative products, has acquired Desser Tire & Rubber and affiliated companies. The investment firm has been seeking to make investments in the aviation product aftermarket Desser serves.
Columbus, Ohio-based Spirit Aeronautics is introducing a new level in its AOG and on-site service capabilities. "Customers don't always have the choice of bringing us the aircraft or have time to wait for service," said Tony Bailey, president of Spirit Aeronautics. With that in mind, the company created its Aircraft-on-Demand Service Program to support customers who cannot move the aircraft for physical or financial reasons. "We will provide avionics, interior and maintenance service at their location, when they need it," he added.
The FAA has granted Colorado Springs-based Trine Aerospace & Defense certification that enables it to perform maintenance, repair and overhaul services on rotary-wing aircraft.
"Trine is one of the few facilities in our region with helicopter repair station certification," said Britt Ham, the company's president and CEO. "The certificate enables us to serve our customers better by providing in-house repair and replacement of non-warrantied parts as well as avionics and installation repair."
The Air Charter Safety Foundation (ACSF) has recognized Landmark Aviation as a sustaining member. Landmark has shown commitment to the foundation's vision of enhancing and improving safety through its financial support. Headquartered in Houston, Texas, Landmark offers maintenance at several of its 59 U.S. locations and 16 FBOs in Europe and Canada. "I believe the ACSF is one of the key drivers of safety and standards in the industry.
JetSupport's avionics shop has become part of the Honeywell service network by adding Honeywell and BendixKing service authorizations. The addition of the service center authorization allows JetSupport to provide a broader range of repairs, modifications and upgrades for Honeywell and BendixKing components and installations found in commercial, business and general aviation. JetSupport, located at Amsterdam Schiphol Airport in The Netherlands, is an EASA- and FAA-authorized repair station with 4,500 components on its capability list.
Metallized Carbon (Metcar), a manufacturer of oil-free, self-lubricating, carbon-graphite materials for severe-service lubrication applications, has announced its carbon-graphite bushings are available for use in gear pumps that pump aviation fuel for aircraft engines. The carbon-graphite bushings, which are used to support both the drive gear shaft and the idler gear shaft, are preferred for that application because they can use aviation fuel as the bushing lubricant.
The FAA has issued a superseding Airworthiness Directive (AD) for the Bombardier Challenger CL-600-1A11 (CL-600), CL-600-2A12 (CL-601), and CL-600-2B16 (CL-601-3A, CL-601-3R and CL-604). It requires operators to assign serial numbers or part numbers to certain landing-gear parts; establish the number of landings on the parts, if necessary; and revise the Airworthiness Limitations Section of the Instructions for Continued Airworthiness (ICA).
The FAA is adopting a new airworthiness directive for certain Embraer Phenom 100s. It requires inspection and replacement as necessary of the barrel nuts at the horizontal stabilizer to vertical stabilizer attachment joint.


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Babytime - A nurturing developmental playgroup for newborns through 10 months.
This is a wonderful opportunity for parents and caregivers of newborns through 10mth olds to meet in a nurturing setting for friendship, support and developmental play. Our Babytime playgroup begins with circle time where adults learn ways to nurture their babies development through song's, finger-plays, puppets, sensory play, tummy time, peekaboo games, bubbles,and more. This playgroup will end with a weekly informative discussion on various topics concerning your babies stage of development including feeding, sleep, teething, soothing, attachment and bonding, and breastfeeding.
Join us with your Baby,You won't find a more welcoming place for help and encouragement than Babytime!
Babytime is led by Kellie Cormier our Studio Director and Kathleen Hoff from Side by Side Doulas .
Wednesdays 11am
weekly drop-inhttp://www.kiwikidsstudio.com/Drop-in-Playgroups.html


text:
A plane made an emergency landing in Lake Guntersville Sunday evening.
The pilot of the small Piper aircraft, Tom Bonds, said he had been on a sightseeing trip originating in Gadsden. Around the Scottsboro area, the plane's engines failed.
Bonds said he began an emergency descent towards the Guntersville airport, but had to make a water landing about 100 yards shy of land. Bonds said this was his first close call after years of flying.
"Your training takes over," said Bonds. "Once we understood we were going into the water, you just try to make it as soft as possible." He said he will try to salvage the plane once it is pulled out of the water.
Matthew Wade, the Chief Deputy with the Calhoun County Sheriff's Department, was the other person on board the plane. No injuries were reported.
Copyright 2013 WAFF. All rights reserved.
1414 North Memorial Parkway
Huntsville, AL 35801
WAFF Is a Proud Member
of the Raycom Family of Stations
FCC Public File
EEO Report
Closed Captioning


text:
DC's historic preservation program
What's current in preservation
Find Freedom of Information Act records
What you need to know
Get information and guidance
Get involved in preservation
Understand our goals and achievements
Track projects in your community
Buildings, history, and archaeology
Find out about historic properties
Explore the city's heritage and culture
Understand the preservation process
Visit the Office of Planning website
Office HoursMonday through Friday,
8:30 am to 5:00 pm
How to Reach Us
1100 4th Street, SW, Suite E650
Washington, DC 20024
Phone: (202) 442-7600Fax: (202) 442-7638TTY: 311
FOIA Information
Agency Performance
Website: http://preservation.dc.gov
Ellen M. McCarthy Acting Director, Office of Planning
Ask the Agency
Community residents make up the largest constituent group for historic preservation in the District of Columbia. As homeowners, volunteers, and advocates for the quality of life in their neighborhoods, residents sustain community life and preserve thousands of historic buildings through their own efforts and commitment.
The Historic Preservation Office can help District residents in several ways. HPO provides information about historic homes and communities, gives guidance about home construction, expedites building permit reviews, offers limited financial assistance, and supports community preservation projects.
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text:
Credits & Info
- Uploaded
- Oct 28, 2004 | 3:13 AM EDT
If you liked this, check these out!
Plenty more like this here!
Author Comments
This is my first soundboard*. It is based on the creation of David Firth. The soundboard works optimally at full screen. Links include David Firth's site, newgrounds' Salad Fingers Collections and a thread on ebaumsworld to discuss and post calls made with the board. Any and all feedback is welcome. I'm also providing a link within the soundboard that is downloadable and expandable, so that all the buttons are easily legible. Enjoy.
*Note, this was my first soundboard, but it has been recently updated to fix some display errors and also providing a link for people to download the soundboard. Again, enjoy.
Rated 5 / 5 stars September 25, 2010
Perfect for prank calls!
me:hello there
me:do you have a name?
guy:uh yeah this bob who's this?
me:this is Huber Baxter
me: I'm here to en quire about your spoons
me: i must find the perfect spoon
me:i think im gonna go
me:bye bye
*hangs up*
Rated 4 / 5 stars September 4, 2010
Random Person: Hello?
Me: Hello.
Random person: Who is this?
Me: I'm Stewart Baxter.
Random person: What do you want?
Me: Might I ask where you keep the spoons?
Random Person:......Uhhh-
Me: I just want to marry you....
Random Person: What....?
Me: I'm orgasmic!
Random Person: What the hell?
Me: Have you got a name?
Random person: I'm Derik, what did you say your name was again?
Derik: Hello?
Me: I....I must of dozed off......
Derik:...I'm.... gonna hang up now.
Me: I like fish, I like to touch them....
Derik: (hangs up)
-Ten minutes later-
Derik: Hello?
Me: I've got a fish in the oven.....
Derik: Hello who is this........ Oh it's you....
Me: It smells about done.....
Derik: (hangs up)
I tried calling him again, but he disconnected his phone... LOL
Rated 4.5 / 5 stars September 1, 2010
XD that was awesome!!!!111!!ONE
Me; Hello there
Guy; hello?
Me; i'm rusty cumberdale
Guy; (whispering to somebody) I think it's a prank call
Me; I like water
(hangs up)
Rated 2.5 / 5 stars August 1, 2010
a lot of users would understand it better if the quotes were in English
Rated 5 / 5 stars May 8, 2010
Help help me lol this is going right into my favourites


text:
Labour Economics
|Course code ECON3300
|Units 10
|Level 3000
|Faculty of Business and LawNewcastle Business School
Contemporary policy issues relating to the operation of the Australian labour market are analysed by reference to the most recent theoretical and empirical research. Students are assisted to independently access, analyse and synthesise appropriate resources and material, and opportunities are provided to write formal reports and essays and to defend their arguments in open discussion. Critical thinking, analysis and communication skills identified in the graduate profile become a major focus.
Not available in 2014
|Previously offered in 2011, 2010, 2009, 2008, 2007, 2005
|At the conclusion of this course, students should be able to:
1. Access and analyse Australian Bureau of Statistics and other data pertinent to labour market issues;
2. Demonstrate a deep understanding of contemporary labour market issues;
3. Critically assess the extant literature
4. Demonstrate the capacity to work independently;
5. Exhibit strong report writing skills.
6. Integrate and synthesise material to produce a cogent argument supporting a particular point of view.
|The course aims to keep abreast of contemporary issues in labour market research and policy analysis. The mix of topics will reflect this. Topics may include, but are not limited to :
1. Employment, Unemployment and Underutilisation definitions and measurement.
2. Unemployment and Employment Theory.
3. Structural/Cyclical Imbalances: Skill shortages and over-education.
4. Full Employment Policy: Welfare to work and job guarantee.
5. The Ageing Labour Force.
6. Minimum Wages, Wage Differentials and Executive Pay.
7. Wage Inequality.
|Replacing Course(s)
|Not applicable
|Not applicable
|Industrial Experience
|Assumed Knowledge
|ECON2300 or ECON2500 and ECON2510
|Modes of Delivery
|Internal Mode
|Teaching Methods
|Assessment Items
|Contact Hours
|Tutorial: for 1 hour(s) per Week for 12 weeks
Lecture: for 2 hour(s) per Week for Full Term


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Don't fret! Check out these suggested similar and related items below. Happy shopping!
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text:
Lots of reading material this week. I'm really excited about the 2 Dove coupons since my inserts NEVER include those coupons.
- Forbes Magazine
- Maxim Magazine
- Family Circle Magazine
- Parenting Magazine
- Dove for Men deodorant and body wash with (2) $1/1 coupons
- Clinique Mascara sample
- 2 coupons for a free buffet at CiCi's pizza


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Deluxe Cabins
Ideal for couples or individual travelers
Our spacious Deluxe Cabins (built in 2004 & 2009) feature a king or queen bed, a large sitting area with queen sofa bed and a private deck facing into nature. Many of these cabins also include charming cast iron gas fireplaces.
Amenities include spacious bathroom with shower, Sirius satellite radio, historic artwork, Keurig coffee brewer, refrigerator, feather pillows, ecossential bath products, hair dryer, electronic safe, rentable DVD players, ceiling fan, vaulted ceilings and more. Cabins do not have kitchens.
These roomy cabins, with their open floor plan, high ceilings, comfortable sitting area and lovely deck views, are our most popular with couples.
400 sq ft
100 sq ft private deck
Accommodates 2-3 guests
Off-Peak: $155-250
Peak & Holiday: $230-320
Photos (click to view)
Typical Floor Plan
(click to enlarge)


text:
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Sep 04, 2012 | 12:44 PM
| Thorsten Schier
ATI Allegheny Ludlum,
ThyssenKrupp Stainless,
polishing extra
stainless prices
NEW YORK Two more domestic stainless steel producers have raised prices, following moves by other domestic producers.
ATI Allegheny Ludlum Corp., a subsidiary of Pittsburgh-based Allegheny Technologies Inc. (ATI), increased prices on ATI 201 HP, ATI 201 LHP, ATI 201 LN, ATI 301 and ATI 430 cold-rolled sheet, strip and precision-rolled strip via a 2-percentage-point reduction in the functional discount effective with Sept. 3....
NEW YORK Two more domestic stainless steel producers have raised prices, following moves by other domestic producers.
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text:
Subsequent pregnancies in the PET group were characterized by a higher rate of preterm delivery at less than 37 and 34 weeks (15.2% vs. 5.7%, P<0.001 and 3.8% vs. 0.8%, P<0.001, respectively), placental abruption (1.7% vs. 0.2%, P=0.004), IUGR (2.8% vs. 0.9%, P=0.016), and PET (5.9% vs. 0.8%, P<0.001). Risk factors for PET and adverse outcome in the subsequent pregnancy included: PET complicated by placental abruption in the index pregnancy (OR=10.8, 95%-CI=1.8-34.6), PET requiring delivery prior to 34 weeks in the index pregnancy (OR=6.5, 95%-CI=1.6-22.5), chronic hypertension (OR=5.3, 95%-CI=1.9-12.7), and maternal age>35 (OR=4.3, 95%-CI=1.2-20.5).
Okay, a lot of numbers. The authors abbreviate preeclampsia as PET (which stands for pre-eclamptic toxemia) - I usually see this done when they are including pulmonary embolism as a potential outcome and are abbreviating it as PE.
It is hard to make columns in this format - I will try to make a graphic and share it later, but for now the first line of numbers is your odds in a second pregnancy if you have a history of preeclamptic pregnancy, and the second is your odds if you do not have that history. So us, compared to normotensive pregnancies.
Condition | our odds | normotensive odds
delivery before 37 weeks | 15.2% | 5.7%
delivery before 34 weeks | 3.8% |0.8%
abruption | 1.7% | 0.2%
preeclampsia | 5.9% | .8%
Obviously, they didn't break out preterm preeclamptics in this data, because that 5.9% risk of recurrence is way lower than it is if you had a baby before 32 weeks. This includes people who hit 140/90 twice and had proteinuria at 39 weeks, got induced, and didn't really realize that they'd had preeclampsia.
Then they give your odds that things will go kablooey, relative to normal odds, for a couple of combinations of issues. If you had preeclampsia and an abruption last time, your chances of preeclampsia and something going wrong this time are 10.2 times higher than normal. Technically, I think they call that "a lot higher." If you had preeclampsia and needed to be delivered before 34 weeks, chances things go wrong are 6.5x higher. If you are a chronic, 5.3x. If you are over 35, 4.3x.
In other words, if you had preterm preeclampsia and you're a chronic over 35 *raises hand* stuff goes kablooey with awesome regularity.
I'll go muck about in Photoshop in a bit.


text:
A grassroots effort is underway in Clarksville to create a permanent memorial to Pat Summitt.Local volunteers call themselves the "Pat Head Summitt Project Committee."They are lobbying for support to build a statue of Summitt, 61, along the northern stretch of the Cumberland River walk.Not only would there be a statue, but the volunteers would like to see a park named "The Pat Head Summitt Legacy Park."The project is still in the planning stages.
441 Murfreesboro Road Nashville, TN 37210
Telephone: 615.369.7222
Fax: 615.369.7329
Email: firstname.lastname@example.com


text:
David Cameron vs Alex Salmond over Scottish independence
Over the course of what passes for my career in journalism, I've probably spent more time than is strictly healthy thinking about Scottish independence and the related political and constitutional questions. For what it's worth, I've never believed that, when and if the day comes, the Scots will vote for independence. My reasons for that conclusion will have to wait for another day, but in summary, let's just say I have a very high opinion of Scots voters' ability to judge their (national) interest.
That same conclusion has also led me to believe that Alex Salmond is in no rush to have a referendum. The First Minister is no fool: if he thought he could win the vote today, he'd have it today. The fact that he's consistently sought to delay any vote is telling. Likewise the talk of a third option of DevoMax, which looks suspiciously like a fallback position for a man who doesn't think he can get the votes for independence.
So you can understand the thinking in Downing Street about forcing a two-option referendum on Mr Salmond. It's a basic tenet of war, sport and politics that you try to do the thing that your opponent least wants you to do, so why not bring forward the vote in Scotland and make it in/out? If my conclusions about the Scots (evidently shared in No 10) are right, the logical outcome of all this should be a firm No vote that sets the SNP cause back and settles the independence question for a generation.
And yet, like Alex Massie, I have my doubts. I probably didn't learn as much as I should about Scotland and its politics, but two lessons I have absorbed are these. First, never underestimate Mr Salmond. More than once, he's come back from the political grave, stronger and more vibrant than ever before. His performance in the Holyrood campaign last year was remarkable, and gave him dominance over the Scottish political scene that's hard for people at Westminster to grasp. Which brings me to the second lesson: people in London should be very wary of drawing conclusions about or making plans for Scotland. Devolution is only party about institutions; its real effects have been cultural and intellectual. In essence, Scotland and England think and feel more differently now than they used to. That growing gap makes it ever harder for people in the Westminster village to understand Scotland.
So what does this mean for David Cameron's decision to try to bounce Mr Salmond into an early vote? Once, I'd have been happy to bet a sizeable sum that such a vote would reject independence. Now, I'll keep my money in my pocket and spectate on what could well be a career-defining battle between the two most impressive politicians in Britain today.
And what about Mr Cameron? It's a commonplace to suggest that the PM is gambling over Scotland, risking the Union and his own prestige through this intervention. But is that an accurate assessment of his party's risk/reward balance here? Unlike some of his closest allies, Mr Cameron is a real Unionist: he believes in the UK and wants it to survive. Certainly, he would not want to be remembered as the leader who "lost" Scotland. But what happens if he does? Well, a Conservative majority at the next Westminster election suddenly becomes a lot more attainable. That's not enough to change Mr Cameron's mind here, but it would be a considerable consolation to his party, and especially to those who aspire to lead the Conservatives after him. When and if the campaign to save the Union gets underway, pay very close attention to the parts played by Mr George Osborne and Mr Boris Johnson.
Indeed, if you're inclined to conspiracy theories, remember that the Cabinet sub-committee that is overseeing Coalition strategy for Scotland a chaired by none other than the Chancellor of the Exchequer. And Mr Osborne is rarely accused of excessive zeal in his support for the Union…
A Friend of Mr Osborne has kindly contacted me to point out that the Chancellor bows to no-one in his enthusiasm and passion for our blessed Union. Any suggestion that he'd gladly cut the ingrate Celts loose in exchange for a permanent Tory government at Westminster is wholly wrong, apparently.
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September 23rd, 2014 10:53
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September 19th, 2014 11:45
Scotland has decided. Normal service has resumed in Westminster
September 19th, 2014 6:36
Scotland votes No: what happens now?
September 19th, 2014 5:32
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September 18th, 2014 11:37


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text: The Bachelor's of Science in Engineering is a Cooperative three/two program. Typically students spend their first three years at Clarion completing their required general education, mathematics, and physics courses. The students then transfer to a cooperating engineering school (like the University of Pittsburgh) for the final two years to complete their required engineering courses. More information on coursework can be found here.