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It's very easy to fool yourself that you're working, you know*, when you're really not working very hard. I mean, I'm very lazy. So for me, I would always have an excuse, you know*, to go - quit early, go to a museum, you know*. So I do everything I can to make myself remember this is a job. I keep a schedule. People laugh at me for wearing, you know*, a coat and tie to work.
Caro is one of my few heroes, so I can't help toying with the (admittedly facile) notion that I can be like Caro if I start wearing a coat and tie every day.
It might even work. Not because the coat matters. Not because the tie matters. Ritual matters. Any clothing could serve as my daily reminder that there are sentences to write, that there are imaginary people to make real, that there is work to be done.
This brings us to Tin House blog's "Super Sad True Habits of Highly Effective Writers: Part Two" and the writing wear of essayist Chloe Caldwell:
There's a mirror above my desk, so sometimes I put on a trucker hat and/or bright lipstick, so I can imagine I'm someone else. It makes me braver.
Therefore, be it resolved that I will sit down to write each day wearing a coat and a tie and a trucker hat and bright lipstick.
* Back when I was a newspaper reporter, KUOW invited me to come on the radio and talk about transit policy. Until I heard my voice played back, I had literally no idea how often I say "you know." I say it a lot. So I wince for Caro when the NPR transcript shows him using "you know" four times in 76 words, but I also take secret pleasure — OK not secret if I'm blogging about it — that the master and I lean on the same verbal cane.


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Sony Pictures have released the second full trailer for The Amazing Spider-Man.
The movie is a new take on the Spider-Man story. Peter Parker (Andrew Garfield), an outcast high schooler who was abandoned by his parents as a boy, leaving him to be raised by his Uncle Ben (Michael Sheen) and Aunt May (Sally Field). Like most teenagers, Peter is trying to figure out who he is and how he got to be the person he is today. Peter is also finding his way with his first high school crush, Gwen Stacy (Emma Stone), and together, they struggle with love, commitment, and secrets. As Peter discovers a mysterious briefcase that belonged to his father, he begins a quest to understand his parents' disappearance – leading him directly to Oscorp and the lab of Dr. Curt Connors (Rhys Ifans), his father's former partner. As Spider-Man is set on a collision course with Connors' alter-ego, The Lizard, Peter will make life-altering choices to use his powers and shape his destiny to become a hero.
The Amazing Spider-Man will be in cinemas July 4.
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subset: commoncrawl


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Language and Culture Center
He will be in our hearts forever . . .
Brad Leon Powell (1983-2014)
Brad Powell worked at the Language and Culture Center beginning in 2002 as a Program Assistant for Information Systems as as well as in the LCC Computer Lab. After receiving his master's degree, he moved to a teaching position before transitioning into his role as International Student Counselor. He ultimately achieved the position of Program Director for Counseling and Student Services, which he held for the past year.
Brad's contribution to his profession has been incalculable, and he leaves many colleagues, classmates, and students who treasure his memory.
- Fall 2014 Student Calendar is now available.
- Summer 2014 Voices is now available.
- Summer 2014 Student Photos are now available.
New Application Deadlines
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(Full term - 14 weeks)
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No late applications are accepted.
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Scholarship Recipients - Summer 2014
- Benita Kalwahali Mwali from Congo (Kinshasa) is the Joseph O. Davidson scholarship recipient.
- Hortensia Romar Barrios Gomez from Venezuela is the Joyce M. Valdes scholarship recipient.
- Robert Willian Tenias Moya from Venezuela and Marta Alises De La Pena from Spain are the merit scholarship recipients.


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Shulas 347 Grill and Lounge
Shulas 347 Grill at the Atlanta Marriott Buckhead Hotel & Conference Center features gourmet salads, specialty fish and exclusively serves Premium Black Angus Beef ®. A casual atmosphere, which includes a bar, flat panel screened TVs, granite topped tables and dark leather booths. The outdoor patio area, an extension of Shulas Lounge is ideal to enjoy your favorite, refreshing beverage or something delectable from our Shulas 347 Grill menus.
Shula's Menu | Shula's Executive Menu
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Sunday – Thursday 11:00 AM– 10:00 PM
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Private Rooms for Any Occasion
Any events special to you are special to us.
Let Shula's 347 Grill help assist in planning your next bridal shower, baby shower, rehearsal dinner or any other social event.
Our Private Dining Room lunch menu begins at $15.00 per person and our Private Dining Room dinner menu begins at $31.00 person.
Call Veronica Strong Young for additional details at 404.846.4274 or firstname.lastname@example.com
Shula's Gift Card
Give the unbeatable experience of Shula's dining with a Shula's Gift Card. Redeemable at any Shulas locations nationwide. To purchase a gift card, visit your nearest Shula's.
The Lenox Grill
Located near our lobby, The Lenox offers a variety of breakfast choices on the breakfast buffet weekdays 6am to 10 am and 6:30 am to 11am Saturday and Sunday.


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Source: felicitouslotus
Source: felicitouslotus
I am a 30 yr old architect + designer + music blogger ... who lives in williamsburg & works in manhattan. I am married to this awesome girl. We have a dog that looks like an ewok, and a cat who is named after a character in LOST.
This is my personal blog where you will find all the random stuff I come across - usually music, design, and film related.
I run r3darch, where I post architecture and design related things, and I co-run SexMusic [xmusic.fm] , so go follow them!
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- Continental Breakfast
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Time to clean & pack!!
... to leave tomorrow morning to head to Bologna.. Then the rest of the day they can visit and say their good-byes....There is supposed to be some sort of outdoor performance in the piazza tonight.. One of the group #s.. No details yet..
We hope to head out tomorrow morning and drive together to Bologna airport to return both car rentals... Then Cory & Carly are taking the train to Florence& staying a couple ...
Show time!!
... head into town to have lunch. ( about a 3 min drive).. Pizza!!! Not Ev... as you know he only eats plain pasta with butter.. Apparently his meal of choice while in Italy was plain pasta with butter and salt and french fires!! He has that sentence down pat in Italian!!
Cory, mom and I walked around bit until the kids were done, had a stop at the Gelato cafe, met some other friends and then back to the apartment for a rest.. Cory off to Urbino.
Woken by birds battling it out
Woke up to rooster having a competition with a peacock. They seem to follow us around. As to who had loudest dawn call. All local dogs joined in telling them to shut it. Chickens cherbeling in background happily ignoring ruckus on their behalf. Spent morning admiring view and ...
Rocket Ronald's bath day
Had a bath again today. Should think so too. Been nearly six weeks weeks. I was covered in dead flies. Got a makeover while waiting for two hour traffic jam to clear..... Dog got its come Upance too. Been telling me I am her dog kennel all week. She got bathed, her bed scrubbed, and her blanket ...
Weaning tony off beer.....
... a bit of each and tony cheered up at sight of really good wine in bag for 10 eu. Dog happy can see bunnies coming for miles and miles...... Eaten.... Best ever melon for breakfast Tongue in green sauce for lunch. Very very very yummy. Drunk Lots of very good wine from bag Going to eat o Wrapped up bacon thingies, zucchini, French beans and aubergine thing slice for tea..... Flat ...


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Seminar for Professionals
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Mission Statement
My mission is to validate and affirm,
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as they minister to the needs
of the sick, the elderly and the dying.
My Purpose and My Passion
Click on this link to watch an interview about my purpose and my passion.
It tells the story of my journey and reveals my heart's desire -
to nurture and inspire those who care for the sick and at the end of life.
Guest Speaker for Special Event for Hospice of the Western Reserve
I specialize
in keynotes, conferences, retreats and workshops
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without the inspiration of Joy's words."
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Enjoy the post below:
Joyce Marie Sheldon
"Your presentations have been heralded as moments
of both personal and professional inspiration,
providing tools for personal growth
as well as spiritual and emotional insight.
Your devotion to caregivers is commendable.
From your sensitive presentations to your weekly newsletters,
we are blessed to have you among us."
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"You captivated an audience of over 200 people
by sharing your stories and addressing
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while in the midst of crisis."
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Author of ~
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Listen to excerpts from
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Three Little Pigs, Read & Play
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- Jesse Breedlove
- San Jacinto, CA
- United States
Keep Right USA
This conversation is closed.
How best to educate the public as to the importance of the Slower Traffic Keep Right laws in respect to public safety?
Slower Traffic Keep Right is the law in most states. Failure to keep right has a negative effect on traffic safety, traffic congestion, emergency response, aggressive driving, air pollution, fuel consumption, direct and indirect medical costs and much more.
There are many traffic safety laws, Slower Traffic Keep Right may be the most important. Not only is it a law, but also a guide on how to maintain order on today's busy roads and freeways. With an ever increasing amount of vehicles and usually between two and four lanes, this is the only way that motorists of differing speeds can share the road safely and orderly.
If all motorists obeyed the Slower Traffic Keep Right laws at all times there would be a reduction in traffic accidents, traffic fatalities and traffic congestion. Emergency response would also be improved resulting in even more lives being saved.
The main argument against enforcing this law is that it promotes speeding. The fact is that this is not a speed issue, but a safety issue. It is the responsibility of the police to enforce the speeding laws, not other motorists. Motorists that impede the free flow of traffic force faster motorists to pass on the right. Impeding the free flow of traffic is a very dangerous practice and a leading cause of aggressive driving and road rage.
Undisciplined motorists that impede the free flow of traffic through ignorance, inattention, or just being inconsiderate show a disregard for public safety and the normal practice of defensive driving. Driving is a privilege, not a right. Whether you drive fast, slow, or moderate, people that drive slowly in the passing lanes cause a hazard for all of us.
Slower Traffic Keep Right is a basic driving technique. How do we get politicians, law enforcement and the motoring public on the same page as to the importance of this law? There is a grass roots campaign that is addressing this issue, Google America Keep right.
Help further this conversation with your ideas.
Showing single comment thread. View the full conversation.
Nov 9 2012: I think the scenario you are hoping to establish looks like this: If a driver chooses to exceed the posted legal maximum speed limit then all those who do not choose to drive as fast should yield by merging to the right. Basically you are advocating a "Yield To Faster Traffic No Matter What The Posted Speed Limit Is" rule.
Creating a hazard while driving is always a moving violation. Driving too slow, or too fast is a moving violation with only one remedy: obey the posted speed limit. I totally agree that those who choose to drive below the posted maximum speed limit should observe the STKR rule. But, I don't think that is what you advocate, is it? You want others to get out of your way if you choose to disregard the maximum speed limit, am I right? You want the left lane reserved for the drivers who disregard and exceed the posted maximum speed. It is interesting to note how many drivers use the phrase "fast lane" when there is no such thing since the speed limit is the same for all lanes. (Are you related to Craig?)
Nov 10 2012: Mr. Long, Thank you for your input. As I have stated before, "I do not condone speeding" and I prefer to call the left lanes "passing lanes" rather than "fast lanes". I am not advocating that people obey this law so that I can personally drive faster. This is the law in most states, visit this link about state "Keep Right" laws on the MIT website (http://www.mit.edu/~jfc/right.html). The page on the MIT website speaks for itself.
You will find a common theme on the MIT state "Keep Right" laws page regarding "Keep Right Except To Pass". "Keep Right Except To Pass" and "Slower Traffic Keep Right" are basically the same with some slight differences.
"Keep Right Except To Pass" is probably a better term to use than "STKR". They both aim to make our roads and freeways safer. "Keep Right except to pass" requires motorists to drive in the right lane except to pass or turn left, and after passing to return to the right lane. "STKR" recommends that slower motorists drive in the right lane unless passing or turning left or to yield to overtaking traffic if they are driving in the left lane.
I should have named this TED conversation, How best to educate the public as to the importance of the "Keep Right Except to Pass law" (also known as the Slower "Traffic Keep Right law") in respect to public safety. This would have eliminated the whole speed argument of this conversation. But it is best to get both sides of this issue to truly address the problem.
There are many motorists that do not know or understand the "STKR" law or choose to disregard it because they are driving at the speed limit and they feel that they do not have to yield to a motorist that is exceeding the speed limit. This makes our roads and freeways less safe.
I am glad that you, "agree that those who choose to drive below the posted maximum speed limit should observe the STKR rule". Why should this not apply to all motorists if it makes our roads and freeways safer?
Nov 10 2012: (continued)
Let me give you a few scenarios.
1. The true representation of current traffic conditions. Motorists drive at different speeds, at, above and below the posted speed limits. This is a very dangerous combination. "Slower Traffic Keep Right" is not only the law, it is also a guide for how motorists of differing speeds can share the road safely and efficiently.
2. If no motorist exceeded the posted speed limit. Motorists drive at differing speeds, at or below the posted speed limit. There would be many motorists driving below the posted speed limit in the passing lane(s) impeding the free flow of traffic. Resulting in the same problem that we have with current traffic conditions without the excessive speed argument. This scenario would be safer than current traffic conditions but not as safe as it could be. This is not a realistic situation unless we can get all motorists to obey the posted speed limits.
3. All motorists obeying both the posted speed limit and the "STKR" laws (Ideal situation number #1). If all motorists obeyed these laws at all times, or roads and freeways would be very safe. This is the situation that we strive for, but it is not very realistic.
4. All motorists driving the same speed (Ideal situation number #2). If all motorists would drive the same speed, impeding the free flow of traffic would not be an issue and we would not be having this conversation. Our roads would be very safe. This is not a realistic situation.
The only way to maximize safety in the first three scenarios is for all motorists to obey the "STKR" laws. If you can agree that "STKR" should be observed in scenario #2. Then why can you not agree that "STKR" should be observed in scenario #1. These scenarios illustrate that this is a safety issue, not a speed issue. We must address this problem under current traffic conditions.
Nov 10 2012: (continued)
Of course if motorists would not exceed the posted speed limits, our roads and freeways would be safer. However, getting people to obey the posted speed limit is not the topic of this conversation. And quite frankly getting all motorist to obey the posted speed limit signs would be as or more difficult than getting all motorists to obey the "STKR" law. Neither of which is very realistic.
If all motorists would obey the "Slower Traffic Keep Right" laws at all times regardless of speed, our roads and freeways would be much safer. This is the issue that we face under current traffic conditions. Obeying the posted speed limit is very important, but so is obeying the "STKR" law.
Slower Traffic Keep Right is the law in most states. This is not just my personal opinion. If one motorist chooses not to obey a law because another motorist is not obeying a different law, does this make it acceptable? Do two wrongs make a right?
What would you say to a motorist driving below the speed limit in the left lane(s) about observing the "STKR" law? And how would you justify your position?
I see how you could associate my name with speed. No, I am not related to Craig Breedlove. No land speed records here.
Nov 11 2012: I apologize for accusing you of inappropriate motives on the issue of faster moving vehicles, I'm happy to hear you are safe, law-adiding driver. It is a citable offense in my state to interfere with the normal flow of traffic. That may be going too fast, too slow, or weaving from lane to lane, etc. I suspect most states have similar laws and I know interstate highways do. So are you simply advocating that there is a need to raise awareness of the value, or importance of the existing law?
By the way, doesn't "Keep Right Except To Pass" boil-down to a requirement that while driving in the left lane I must move to the right every time a vehicle approaches me from behind? What if I am driving at or above the posted legal speed limit? Am I obilgated to move right? Of course not!
Nov 12 2012: No need to apologize Mr. Long. There are 2 sides to this story and you are entitled to your opinion. I didn't take it personally. I have been trying to raise awareness about the importance of this law for quite some time. I truly believe that this is a safety issue. If I had the funding I would commission a study on this law. It is long overdue. It is a law in most states, there should be some data to justify why.
I was speaking to a patrolman in Texas one time and he told me that if he saw a motorist in the left lane with several vehicles behind them, he would pull them over and have a talk with them. I asked him at what speed and he said it didn't matter. I don't know what their official policy is, this is just how this particular patrolman said he handled the situation.
"Keep Right Except To Pass" boils down to driving in the right lane and only using the left lane to pass or turn left. So driving in the left lane would be considered a violation. If you did pass and were driving in the left lane, you would be required to move right after passing whether or not there was an overtaking motorist.
I imagine in some states if you are driving above the posted speed limit in the left lane you are not obligated to move right for an overtaking motorist. However, in some states I would imagine that you would have to move right. If a faster motorist wants to pass, he or she will eventually get around you. In the interest of safety would it not make sense to move right and let them pass without forcing them to pass on the right, possibly cutting you off.
I am not justifying their speed, I am just stating as a motorist, I will do everything in my power to increase my personal safety. I do yield to overtaking traffic at any speed. If there is another motorist in front of me, I generally do not move right for a motorist that approaches from behind. However, there are times that I do, especially if they are driving erratic or tailgating very closely.
Nov 12 2012: (continued)
There are several Fire and EMS Chiefs that fully endorse this program. I have successfully integrated "STKR" with the need to yield to emergency vehicles with lights and sirens on. They are related in some ways. Many motorists that do not obey the "STKR" law are the same motorists that impede the response of emergency vehicles. My organization is saving lives as you are reading this. Check out the following links:
http://www.americakeepright.com/ (click on your state)
Mr. Long, I read your bio. Thank you for your service to our country. I would hope that you seek the Truth in this issue. Is it about other motorists exceeding the speed limit, or is it a safety issue? You cannot control what other motorists do, but by obeying the "Slower Traffic Keep Right" law, you can increase safety for yourself and those in your immediate vicinity. This is the Truth as I see it.
Nov 12 2012: I appreciate your passion on this issue but I do need more convincing if you are so inclined. Specifically I would like to know your answer to the question I posed previously and repeat here:
" . . . doesn't "Keep Right Except To Pass" boil-down to a requirement that while driving in the left lane I must move to the right every time a vehicle approaches me from behind? What if I am driving at or above the posted legal speed limit? Am I obilgated to move right?
If the answer to that question is "yes" then I do not see how that is not granting the same authority to criminal speed violators that we do to emergency vehicles. Also, you seem to speak only of two-lane roads. What about multi-lane freeways? Are the outer lanes just for those who want to pass the vehicles in the right lane? Does everyone drive in the right lane? If so, doesn't that make merging onto the freeway difficult? I am not being obstinate. My questions are sincere. Thank you.
Nov 12 2012: Mr. Long, I did answer your question.
"Keep Right Except To Pass" boils down to driving in the right lane and only using the left lane to pass or turn left. So driving in the left lane would be considered a violation. If you did pass and were driving in the left lane, you would be required to move right after passing whether or not there was an overtaking motorist.
I have tried to keep the conversation somewhat simple. There are many factors when you speak of multi-lane freeways. Slower traffic should keep right. Depending on the amount of traffic, not everyone can drive in the right lane. And yes merging onto the freeway may be more difficult, but overall traffic safety and traffic congestion will improve.
Passing on the right is a dangerous practice. Who is to blame? The motorist passing or the motorist impeding the free flow of traffic? If the motorist passing is exceeding the posted speed limit, they can be blamed. But if the passing motorist is not exceeding the posted speed limit, they cannot be blamed. However, the motorist impeding the free flow of traffic can be blamed in all scenarios.
If this law is not that important, then why are there "STKR" signs on almost all roads and freeways? The signs are there to improve safety, not promote speeding.
You haven't answered my questions.
What would you say to a motorist driving below the speed limit in the left lane(s) about observing the "STKR" law? And how would you justify your position?
I'm trying to understand your position. I have stated several times that I do not condone speeding. I am trying to address this as a safety issue. I will never convince you that this is a safety issue if you can only see this as a speed issue. You seem to be an intelligent man, can you recognize that there is a safety factor at play here?
I have tried to make a convincing argument that this law is important in terms of safety. But to only recognize one side of the argument will not further this conversation.
Nov 12 2012: Sorry, I overlooked your question about what I would say to the person driving SIGNIFICANTLY BELOW the posted legal speed limit. I would say one of two things: You are driving in such a way that you are interfering with the normal flow of traffic and that is a citable offense because it creates a danger/hazard; OR, I would say, you are ignoring the POSTED advisory (not a citable offense) to keep right BECAUSE you are driving significantly below the posted legal speed limit. I am listening to your argument Mr. Breedlove. I simply do not agree that ALL TRAFFIC on a road of two or more lanes should be in the right lane except to overtake another vehice. I know your position based upon your lucid explanation and still I hold a different opinion. Thank you!
Showing single comment thread. View the full conversation.


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Quick Links
- Mission
- Staff
- Hours
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Advising and Counseling Center
Student Services Building, L108
A staff of professional counselors provides a comprehensive developmental counseling program designed to assist students with academic, vocational and personal issues. Counselors are available by calling the Counseling office at 860-512-3320 to schedule an appointment. For current and returning students, walk-in services are also available on Tuesdays from 11:00 to 1:30 p.m. and Wednesdays from 9:30 a.m. to 12:00 noon during the academic year.
Events and activities are often provided by the staff throughout the year on a wide range of topics and issues. Counselors also offer credit courses focusing on college success.
View our New Student Group Advising Seminar presentation (.ppt)
Free and Anonymous Mental Health ScreeningMCC is committed to the overall health of our students. As a service, MCC provides access to a free and anonymous screening tool for mental health related issues , which screens for alcohol use, suicide prevention, post-traumatic stress, generalized anxiety, bipolar and eating disorders.
The results of the screening are completely anonymous and made available only to the participant.
This resource is provided to assist students determine if a consultation with a mental health counselor would be helpful.
To access the screening tool, link to: http://www.mentalhealthscreening.org/screening/mcc
Students Considering "Transferring In" To Manchester Community College From Other Institutions:
Thanks for considering Manchester Community College…for more information and details on transferring "into" MCC, please link to the following page: http://www.mcc.commnet.edu/admissions/transfer.php
Incoming "transfer in" students are responsible for providing the MCC Admissions Office with an official copy of their transcript(s) from any other institutions(s) that they hope to transfer credits. Transcript(s) must be evaluated by the MCC Admissions Office prior to meeting with a counselor/advisor. Once the transcript has been evaluated by the MCC Admissions Office, "transfer in" students are encouraged to come in during "Walk In" hours: Tuesdays from 1:30 p.m. – 3:00 p.m. and Wednesdays from 10:00 a.m. – 11:30 a.m.. Students unable to meet during scheduled walk in sessions can stop by the MCC Advising and Counseling Center and will be seen on a first-come basis depending on the availability of Advising and Counseling Center staff.
The MCC Advising and Counseling Center is located on the 1st floor of the Lowe Building, Room L – 108.
The Counseling Center at Manchester Community College embraces a supportive and personalized approach to education that is grounded in the values and potential of each student. As student advocates and consultants to faculty and staff, we are committed to fostering an environment that stimulates learning, respects diversity and promotes student development.
The mission statement and statement of services have three core functions:
- Developmental — To help students enhance their growth and benefit from the academic environment.
- Remedial — Recognizing that some students experience significant personal adjustment difficulties that may require immediate professional attention, to assist them in overcoming current specific personal and educational problems.
- Preventive — To anticipate environmental conditions that may negatively influence student welfare and to initiate intervention that will neutralize such conditions.
Meet Our StaffClick on the picture to send that individual an email.
Counselors may be reached by calling the main number, 860-512-3320.
Counselor coordinators' areas are in parentheses.
Monday, 8:45 AM- 5:00 PM
Tuesday, 8:45 AM- 7:00 PM
Wednesday, 8:45 AM - 5:00 PM
Thursday, 8:45 AM - 5:00 PM
Friday, 8:45 - 4:00 PM
Appointments made by calling 860-512-3320
For additional information, contact: Vincent McCann


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A new look for Innsbrook?
Supervisors to consider urban mixed use proposal Dec. 11
A new era for the Innsbrook corporate center could begin officially this week, pending approval from Henrico County's Board of Supervisors.
The board will hear a request Dec. 11 by Highwoods Properties to redevelop a 39.46-acre section of the 630-acre corporate center as an urban mixed-use tract, allowing for as much as 2.3 million square feet of commercial and residential development – including 1,230 residential units. The Planning Commission recommended the plan for approval at its Nov. 8 meeting.
Supervisors rezoned most of the site – 36 acres – to the then-new urban mixed use classification as part of a larger case in 2005 that sought to breathe new life into the Far West End community by allowing a variety of uses in close proximity to each other, similar to the communities of West Broad Village and Rocketts Landing. Highwoods' current proposal would establish conditions on the entire 39.46-acre site, which is located generally between Cox Road, Sadler Road and Nuckols Road.
During a work session last month, the board heard its first formal presentation about the proposal for the project.
Planning Director Joe Emerson told supervisors that his staff generally supports the plan but objects to a proposed Highwoods proffer that would require the county to pay for right-of-way acquisition and permits related to road improvements for the project. (Highwoods must construct an additional eastbound lane on Nuckols Road between Sadler and Cox roads and an additional westbound lane on Nuckols from Lake Brook Drive to the I-295 northbound ramp as part of the project.)
"We don't feel we should be obligated to absorb the cost of those items," Emerson said.
Some neighbors of the site have expressed concerns about traffic, which already is snarled along Nuckols Road during morning and evening commutes, and the proposed height of some buildings, the tallest of which would be 250 feet, or about 16 stories.
But Emerson said that Highwoods' proposal – which would limit buildings within 150 feet of existing residential development to 45 feet in height and those between 150 feet and 300 feet of such development to 80 feet in height – was consistent with recommendations of his department's 2010 Innsbrook Area Study. That study set guidelines for a variety of future urban mixed use projects in the community, in order to establish consistency in building heights, landscaping, streetscaping, parking, signage and a variety of other features.
Still, "there is no doubt that you're going to be able to see the tall buildings," Emerson said.
Board Chairman Dick Glover (Brookland District) and Supervisor Pat O'Bannon (Tuckahoe District) both expressed some concerns about a proposed one-lane roundabout that would be constructed at the intersection of Sadler Road and Sadler Place, about 600 feet south of Nuckols Road.
"Drivers around here, I don't think they're used to this, and it bothers me a lot. . . that this is more an impediment," O'Bannon said.
But Deputy County Manager Tim Foster told the board that the roundabout – which might cost about $200,000 and could be the first public roundabout built in the county – would be safer than a traffic signal, which would cost between $150,000 and $250,000. Traffic at the intersection wouldn't yet warrant a signal, and locating an additional signal so close to Nuckols Road could create traffic flow challenges, he said – whereas a roundabout would be more effective in keeping vehicles moving.
Foster noted that roundabouts are different from traffic circles; the latter typically are larger, involve more lanes and more merging traffic and may present more opportunities for confusion or traffic accidents.
Roundabouts, he said, are smaller, typically involve just one lane of traffic and are used in less-congested areas to keep traffic flowing better than it would otherwise. On the rare occasions when accidents do occur at roundabouts, they're usually less severe because vehicles are traveling at a lower rate of speed than they would be otherwise, he said.
Glover conceded that he would support the plan if it were deemed the safest option.
Some residents have expressed concerns that construction of the roundabout would eliminate direct access from Sadler Road to Nuckols Road, but Emerson said that wasn't entirely accurate. The new roundabout would shift Sadler south into its old roadbed but still theoretically provide drivers the chance to connect to Nuckols without stopping.
Responding to residents' concerns that more development would worsen traffic, Emerson agreed that the initial impact could boost traffic numbers. But he said that the ultimate outcome of urban mixed use development often is a reduction in traffic, because some residents also work and/or shop within the same community.
"The UMU district is intended to provide flexibility not otherwise available in the zoning ordinance to achieve a unique destination, conveying a "sense of place," and providing a desirable destination to live, work, and recreate," planners wrote in a report about the proposal.
Emerson told the board that as the project takes shape and residents move in, some benefits would become noticeable.
"You'll have people coming and going over the whole day – not just at two peak times," he said.
Glen Allen student to perform at Carnegie Hall
Thanks to a first-place win in The American Protege International Vocal Competition 2014, Glen Allen High School student Matija Tomas will travel to New York City to perform at Carnegie Hall in December.
At the first-place winners recital in Weill Hall, Matija will perform Giacomo Puccini's opera aria, "Chi il bel sogna di doretta." She will perform with other vocalists from around the world and have the opportunity to win other awards and scholarships.
Locally, Thomas has performed with Richmond's renowned Glorious Christmas Nights, Christian Youth Theatre, and WEAG's Urban Gospel Youth Choir. > Read more.
Gayton Baptist Church dedicates new outreach center
The John Rolfe YMCA and Gayton Baptist Church have partnered in an effort to bring greater health and wellness opportunities to the community.
Through this partnership, the John Rolfe Y will run Youth Winter Sports programs, including basketball and indoor soccer, in Gayton's newly renovated $5.5 million outreach center that features a new gymnasium, youth and teen space, social space with café, meeting space and full service commercial kitchen. > Read more.
Henricus Historical Park to host Publick Day Sept. 20
Citizen Staff Reports 09/15/2014
Henricus Historical Park will commemorate its anniversary during Publick Day, a signature annual event that celebrates the establishment of the second successful English settlement in the New World. In September 1611, Sir Thomas Dale, along with soldiers, tradesmen and farmers, ventured from Jamestown to create the Citie of Henricus. Leaders of Henricus developed the first English hospital, chartered the first college in North America, established tobacco as the first cash crop in Virginia, and created a place where Pocahontas lived and met John Rolfe.
Publick Day will take place Saturday, Sept. 20, from 10 a.m. to 5 p.m. Admission is free and parking is $5 per vehicle. > Read more.
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Extras sought for AMC's 'TURN'
Paid extras are being sought to appear in the AMC television series TURN: Washington's Spies, which will begin filming its second season in the Richmond area at the end of September and continue through February.
No experience is required, but producers say that extras must have flexible availability, reliable transportation and a positive attitude.
Arvold Casting is holding an open call on Sunday, Sept. 21 and is seeking men, women and children who are Caucasian, African American and Native American, with thin to average builds and who can realistically portray people living in Revolutionary War times. Long hair is a plus but not a must. > Read more.
Weekend Top 10
TGIF! Celebrate the weekend at Oak Hall Baptist Church's Community Block Party on Saturday. Learn more about ballroom dancing, art and Colonial times. Or take the kids to Generation Z Games for water play or Southern Season to cook up a Disney-theme meal. For all our top picks this weekend, click here! > Read more.
Weekend Top 10
Check out these three B's in Henrico this weekend: books, bluegrass and "Born Yesterday." Other activities to participate in – and feel good about – are the 15th annual James River Regional Cleanup and the 5th annual Richmond Out of the Darkness Community Walk. For all our top picks this weekend, click here! > Read more.
Glen Allen Day scheduled for Saturday
Business in brief
NBC News' Sara James to speak at Tucker HS convocation
Highland Springs HS wins Keep Virginia Beautiful grant
Henrico Police investigating suspicious death
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Sep. 18, 2014Click here to read the print edition.
Extras sought for AMC's 'TURN'
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When the cliche stands tall
Weekend Top 10
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Obituary – Susie Ann Walker
Obituary – Philip "Al" Cebulski
Obituary – Cecelia Davis Stevens
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Glen Allen student to perform at Carnegie Hall
Gayton Baptist Church dedicates new outreach center
Henricus Historical Park to host Publick Day Sept. 20
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The Citizen at 13
Peeling off the labels
A messy food fight
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Hermitage to host Monday night football events
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Babe Ruth 13U World Series arrives in Glen Allen
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Best 2011 income play: Otelco
This regional telecom stock nearly doubled the market last year and boasts a big 9% dividend.
If you're looking for the best stocks for 2011, allow me to suggest my favorite regional telecom, Otelco (OTT).
This Alabama company has a stunning 9% dividend yield and on top of that almost doubled the returns of the broader market in 2010.
But why should you buy Otelco in 2011? Here are three compelling reasons:
Ringing up revenue: The key to being a successful phone company is maximizing revenue from household and business customers and keeping those customers for as long as possible. This comes not from just providing a land line dial tone but by becoming an integral part of everything the customer does with overall communications. From wireless phones to faster and better data and increasingly to providing a pipeline for video and audio entertainment -- all go far to making a growing number of customers into bigger and stickier customers. That's exactly what Otelco does and does well.
- Related Article: 6 Reasons to Buy Bank of America Stock
Strength in the downturn: OTT revenue has been on the ascent since the shares went public in late 2004. And even during the past few years of economic challenges -- the average for each of its core product/service lines has been ramping up at an average annual rate of over 16% -- with local services climbing by more than 38% alone.
Cost containment: As a prime example, the headquarters in Oneonta is just a quiet building without limos out front. No wonder operating margins are fat and up running currently at over 21%.
The results of these three key points is that, since coming to the market in 2004 and through all of the market, economic and industry ups and downs, OTT has given investors returns in excess of 127%, or an average annual return of over 14%.
So for the new year start out with a big dividend payer that has proved it can keep delivering on the bottom line.
Check out the other free stock picks that make up InvestorPlace.com's Top 10 Stocks for 2011.
Neil George is an investor, an investment advisor, educator, philanthropist and the editor of Stocks That Pay You. He is also editor of By George, a long-standing financial and news advisory.
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.
As geopolitical tensions threaten to spin out of control, investors are wondering how best to position their portfolios for the global turmoil.
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.
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The secret society of the pink crystal ball
Green, Risa.
Teen Fiction GREEN
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Teen Fiction GREEN
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By dotCore
via jeremyckahn.github.com
Submitted: Feb 18 2013 / 04:06
Cloud-only operating systems are a great option for most people. Web apps are slowly replacing native apps, and that trend is likely to continue. However, one type of user that will have a hard time migrating to the cloud is software developers.


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The fit is nice but the fabric is super thin. I bought the natural color and you can see your hand through it. If your couch is a solid white then this would be fine but if not, you should opt for a thicker fabric like a twill. I returned this slipcover.
This is a basic sofa slipcover - nothing special. It does not stay put and requires adjustments every time someone sits on the couch. It does hold up well in the wash. I ordered another sofa slipcover when I ordered this one because I needed to cover the sofa before guests arrived. I use the other one instead and this one remains in the linen closet. Try the Maytex 2 piece sofa slipcover if you want something that looks a little better and doesn't require as much adjusting,
I got these slip covers as a cheap alternative to the ugly couch I got as a hand-me-down. They do the trick...easy to put on and such. Of course you have to constantly tuck them back in place, but it's just me at my apartment, so it doesn't really matter. I ordered the Natural color, and they are a little bland, but just fine. I would recommend to others for an easy fix. If you want something a little nicer, spend the extra money. Otherwise they work just fine.
I rated appearance poor because the material wrinkles and when you smooth out the wrinkles it leaves a crease. It stains very easy and picks up all lint and dog hair. It needs cleaning every day. I do like the burgandy color it doesn't have the pink in it like the picture. The assembly is like any cover you just have to work with it. Though, I was unbable to get it to fit properly on the arms because they are overstuffed and don't extend to the end of the cushions. I would recommend that you look for another cover, I am doing that now.
This is a nice slipcover! When it arrived (only 5 business days after I placed the order) I was initially concerned, because it had a strong odor, probably from the dye used (I ordered the indigo one in sofa-size), but when I machine washed and dried it as instructed, it came out beautifully and the odor was gone. It fits my sofa much better than my last slipcover, I think because of the combination of ties and elastic, and it dried in the drier much faster, too. I am buying a second one so that I always have a clean spare.
I bought this slipcover for a screened-in porch couch. It is durable, good-looking, plus it is easy to remove, wash, and put back on the couch. If I wanted a more fitted look, this would not be the slipcover, but for our casual spot to watch the ballgame outside - it is perfect. Hides those ugly flowers on the old couch to make my husband happy.
it doesnt fit perfectly but I have an older couch with more of a wingback style. But it is covers pretty good.
Easy to put on and the color is as shown in the picture!
Just turned out to be a think, cheap fabric and a cut that would not fit my sofa, or the loveseat for which I also bought a cover. Not enough fabric to cover the bottom all around on the sofa, although the dimensions indicated that it would fit my loveseat and sofa. For a smaller, less stuffed sofa, this would work. I kept the covers for visiting pets that shed, but I would not recommend these covers at all to someone who wants an attractive cover for permanent use. I also doubt this fabric would hold up to many washings, but I have not done that yet, so am not sure. Usually Overstock products are just what I want. These covers missed the mark.
We got this slipcover because our cat had ripped both arms of our couch. It was in a sorry state. I looked on line and found this slipcover and ordered it . I hoped it would look OK. It was very easy to put on and arrange the fabric. It looks great! I may buy another one in a different colour, it looks that good.
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** Most Oversize orders are delivered within 1-4 weeks. Some orders may take 6 weeks to be delivered.


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Not Your Mother's Rise and Shine Silky Smooth Shine Mist
Don't hit that snooze. Wake up and have a good hair day. Rise & Shine mist will give your hair that polished A-list look without the hassle of the paparazzi. Be ready to sign some autographs because this alcohol free salon formula will leave you and your hair healthy, shiny and ready for your adoring fans.
- Alcohol Free
- Dazzling shine
- Silky touch
Spray lightly after styling for a glossy, vibrant shine.
Folica stands behind the authenticity of everything we sell. Since 1998, Folica has made it our mission to provide you with an outstanding selection of hair and beauty products at highly competitive prices.
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Not Your Mother's She's a Tease Volumizing Hairspray
She's A Tease Volumizing Hairspray by Not Your Mother's will give you the big and beautiful hair you want, without the frizz and humidity.New Price:
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Not Your Mother's Clean Freak Refreshing Dry Shampoo absorbs excess oils and cleans without water.New Price:


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Count TWEETY Figurine by Lenox
"Twick or tweat!" Every Halloween party needs a well-dressed vampire to scare up some fun. Invite TWEETY to yours as an original work of art by Lenox. Fancifully attired, Count TWEETY is the perfect picture of a Halloween vampire. The white vest is decorated with a blood-red sash. The high-collared cape adds drama, and two cute vampire fangs are accented with 24 karat gold. Every vivid color, from TWEETY's canary yellow body to the black and red of the two-toned cape, is painted by hand.
- Crafted of hand-painted Lenox ivory fine china accented with 24 karat gold
- Bears the Lenox® and WARNER BROS. STUDIOS logos in 24 karat gold
- Certificate of Authenticity
- Height: 5 3/8"
- Width: 4 1/8"
- Depth: 2 3/4"
- LOONEY TUNES and all related characters and elements are trademarks of and (c) Warner Bros. Entertainment Inc. (s10)
Shopping made easy with Lenox EasyPay. Order today and take up to 8 months to pay - interest free!Learn About EasyPay
Lenox Breakage Replacement is one of the best customer satisfaction plans anywhere. So don't worry, you're covered. read more


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9-Piece Stainless Steel Cutlery Set with Bamboo Storage Block
Hanaita Series Blades are made from 33 layers of high carbon and low carbon Japanese stainless steel with VG-1 core to form a superior Japanese Damascus blade. The blades are sharpened to a razor sharp Knife edge angle of 10 degrees and cryogenically cooled to draw the molecules of the steel closer together for ultimate edge retention, sharpness, and performance.
Set Includes:


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- Your Path:
- Home
- Creativity for Kids Make Your Own Cupcake Soaps Activity
- Large Image
No mixing or melting - just shape and decorate! Includes (7) clay soaps in assorted colors and sizes, bath salts, (1) iridescent glitter net, (1) plastic sculpting tool, (3) paper cupcake liners, (3) plastic cupcake storage containers and instructions. Non-toxic. Ages 5+. WARNING: Choking Hazard. Small Parts. Not for children under 3 years. Caution: Do not apply on face or eyes. For display or bath use only. Cupcake Soaps are not edible. Read More
- Product Number
- #74834
- Material
- Clay, plastic, bath salts, paper
- Air Shippable
- Yes
- Oversized
- No
- Express/Premium Surcharge
- $0.00
- Return Eligible
- Yes
- Available International
- Yes
Creativity for Kids Make Your Own Cupcake Soaps Activity
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- Prod ID:
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Creativity for Kids Make Your Own Cupcake Soaps Activity
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Section 8: Prejudice to Debut at $15 as Downloadable GameTimeGate Studios' Section 8: Prejudice, the follow-up to the original 2009 multiplayer-focused shooter, will debut at the delightfully low price-point of $14.99 when it is released early next year.
Prejudice is a full-featured, sci-fi-themed, first-person shooter that delivers a 5-hour, story-driven single-player campaign, robust online multiplayer for up to 32 players across a variety of maps, and a new 4-player co-op game mode, entitled Swarm. As if that wasn't enough, all game modes and content will be playable offline, as the $14.99 product also includes full bot support.
Sign-ups are still open for access to the PC beta. The full-game will be released in Q1 2011.
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Years ago, before central air conditioning or circulating fans, cupolas (pronounced "COO-pull-ah") were used to ventilate buildings and to keep their inhabitants cool in the hottest summer weather. Though modern conveniences have virtually eliminated the need for such an addition, today's homeowners increasingly desire old-fashioned, traditional decorative touches for their home. Like copper chimney pots and weathervanes, cupolas are a dramatic decorative accent whose charm has withstood the tests of time and technology.
Our white vinyl cupolas are the ultimate in maintenance-free home decor. Whether mounted on a garage or home, they'll be simply charming. The Dover Vinyl Cupola is traditionally designed with rounded paned "windows", a simple smooth base, and a pagoda-style sloped roof. This cupola is designed for roofs with a pitch up to 10" rise per foot (known as 10/12" pitch). If your roof is above a 10/12" pitch, please call one of our product specialists at 800-919-1904 for information about an Extension Base.
Buyer's Tip: All cupolas are more impressive when using two per roofline, so consider doubling up! For information about making sure what size and type of cupola is right for your home or garage, check out our Frequently Asked Questions in the info-link below.


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NTIS signs Memorandum of Understanding with USPS to offer Federal agencies expanded services in unique Midwest location.
NTIS and the U.S. Postal Service have agreed to collaborate in offering order fulfillment, warehousing, storage, inventory management, data and customer maintenance services to Federal agencies. NTIS will work directly with USPS Stamp Fulfillment Services (SFS) located in the 'caves' of Kansas City, MO.
The unique location of SFS allows for a consistent climate controlled environment which is conducive to maintaining and retaining the quality of stamps and products customers expect. The SFS can process more than ten thousand orders each day and take orders through a variety of methods. The SubTropolis 'cave' environment also lends itself to creating additional warehousing space when needed.
SFS offers warehousing, customer database maintenance, document shredding, and fulfillment opportunities. The SFS also provides state-of-the-art security system with the facility. As such, it has the ability to augment NTIS's own information delivery, eCommerce and order processing infrastructure located in its Federally secure data center in serving Federal agency information requirements.
NTIS Shipping and Fulfillment Services
Inventory Management and Distribution Services
NTIS' primary business is to reproduce, store and disseminate a wide variety of information products, through its production, storage and distribution facilities. We develop programs specifically designed to meet your agency's expectations and goals.
NTIS Acts As Your Storage and Distribution Center
We offer a comprehensive storage facility that includes palletized bulk storage bins with complete inventory and logistical management. NTIS receives, assembles, packages and ships your products within parameters you set.
NTIS Provides Full On-line Order Processing Service
We can create your order processing website or link to your existing site to provide your clients the ability to order your publications and outreach materials on line. Plus our customer service team supports your customers' calls and inquiries on the phone or via email.
NTIS Offers Full Print on Demand Service
We can digitize your documents and print them on demand, reducing storage and warehouse costs. We print your documents when you or your customers need them and in most cases, ship them out the same day.
Product Storage Distribution
Services include:
- Individual and bulk storage, warehousing and shipping services
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- Digitized document processing system.
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We provide you the best customer service with:
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- Comprehensive monthly financial reports.
For more information contact the Office of Federal Services at NTIS:
phone: 703-605-6800
e-mail: email@example.com
5301 Shawnee Rd,
Alexandria, VA 22312


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Updated: 9/21/2010 9:00 AM ET|
Raise your credit score to 740
As lenders continue to tighten credit requirements, getting a good interest rate -- or a loan at all -- requires that you understand how the scoring system works.
Related topics: banking, credit rating, credit score, bad credit, Liz Weston
In our post-crisis economy, good credit isn't just nice to have -- it's essential if you want to level the playing field with lenders.
Credit scores are three-digit numbers lenders use to gauge your creditworthiness, and until the financial crisis hit, a 720 FICO credit score was enough to get the best loan terms. Even people with lower scores could get decent deals, and at the peak of the lending boom it seemed that no score was so low that it merited a rejection.
These days, lenders typically demand 740 scores for the best mortgage rates. Lower scores mean higher rates or perhaps no loans at all. Fannie Mae, the giant mortgage-buying agency, has lifted its minimum score requirement from 580 to 620.
People with top scores are still getting credit card and balance transfer offers. If their issuers raise their rates or lower their limits, they can move their business elsewhere. People with weaker scores, by contrast, are finding their access to credit slowly strangled. Issuers can push them around, and credit seekers have little recourse.
Less-than-stellar credit can hurt in other ways. After all, credit information is used by:
- Insurance companies to evaluate applicants and set premiums.
- Landlords to decide who gets apartments.
Liz Weston
- Employers concerned about higher risk of theft from those with troubled finances.
Clearly, cultivating good credit scores is an essential 21st-century skill.
The good news is that it's possible to boost your numbers if you have a handle on your finances and you know how credit scores work. After all, the median credit score is 720 on the 300-to-850 FICO scale, meaning half the adult U.S. population has a higher score and half has a lower score. Forty percent have scores over 750, and 13% have scores above 800, according to Fair Isaac, the company that created FICO scoring. (You can get an idea of your relative standing with MSN Money's free credit score estimator; it uses Experian's Plus score ranges, which roughly align to FICO.)
Plenty of folks are handling their credit well enough to earn good scores. You can, too. But first you need to recognize that:
- You can't raise your scores if your finances are still in free fall. If you're unable to pay your bills, you certainly can't fix your credit. Real credit score repair will have to wait until your financial crisis has been solved and you have enough money to cover your expenses, plus some extra to begin paying down your debts.
- You can't raise your scores if you don't use credit. Credit scores try to predict how well you're likely to use credit in the future by how well you've used it in the past. So while living a cash-only lifestyle may do wonders for your wallet, it won't boost your scores -- in fact, without continuing use of some type of credit, eventually your credit reports won't even generate credit scores.
- You don't have to pay credit card interest to achieve great scores. "Using credit" is not the same as "carrying a balance on your credit cards." Carrying a balance is expensive, bad for your finances and completely unnecessary. Many of us who have achieved 800-plus scores pay off our balances religiously, and we know you can build and keep great credit scores without ever paying a dime of credit card interest.
- You can't expect overnight results. You're likely to see improvement in your scores within 30 days if you pay down significant chunks of your credit card debt. But otherwise, credit repair takes time, and how much time depends on the many details of your credit reports. If you have serious black marks, such as bankruptcies or foreclosures, you can see significant improvement in your scores as time passes but you may have to wait until those negatives drop off your credit reports before you can join the 700-Plus Club.
Now that you understand the basics, you can use the following techniques to get your scores over 740.
You have to nail the basics
Patrol your credit reports. Your credit scores are based entirely on the information in your credit reports on file at the big three credit bureaus: Equifax, Experian and TransUnion. If the information is wrong, your credit scores could suffer. You can get your reports once a year for free from the government-run AnnualCreditReport.com; you can buy subsequent copies directly from the bureaus or from myFICO.com. Dispute any serious errors, such as:
- Accounts that aren't yours.
- Reports of late payments when you paid on time.
- Bankruptcies older than 10 years or accounts that were wiped out in bankruptcy but are listed as still due.
- Other negative information that's older than seven years. (The seven-year clock typically starts 180 days after the account first went delinquent.)
Get a major credit card. Retail cards and gas cards can help you build your credit history initially, but to get your scores into 700-plus territory you'll want at least one big kahuna: Visa, MasterCard, Discover or American Express. If you can't qualify for a regular card, consider a secured version, for which you make a deposit with an issuing bank. You can find offers at CardRatings.com, CreditCards.com, LowCards.com and Index Credit Cards, among other sites. Just make sure the card reports to all three bureaus, and try to get a card that converts to a regular credit card after 12 to 18 months of on-time payments.
- Avoid bankruptcy.That is one of the worst things if you want to increase your credit history.It will stay for 7 years on your file and it will destroy your score.
Don't use a checking account or a debit card. Get a Visa, MasterCard from a Major bank. Use this like you would use checks. Pay it off every month. DO NOT, DO NOT carry a balance. Once you carry a balance you have overspent, if you cannot avoid this, do not have a credit card.
In less than 6 months you can raise your score over 100 points depending on where you started. Keep using this credit card and the practice of paying it every month for the rest of your life.
I went bankrupt 5 years ago and with a single visa now have a 750 credit rating.
Do not use a credit counselor, over 80 percent of people that use them go bankrupt and have wasted 3-4 years of their credit before they hit the skids. File for bankruptcy yourself, its possible to get all the forms for free, but spend the 200.00 and have a kit sent to you.
My credit score is "bad" but I only owe less that $2000 as far as all three reports say. How can I get it up in 6 months or less? I hope it's not impossible because I am just getting back on my feet and have much to like getting a car, a home, etc. True, there are judgments but ALL have been paid. There were old cards and late payments but ALL are either paid up (thanks to using up savings) or "pays as agreed". So the standstill is, now that I have been blessed with employment, how can I get back on my feet and be financially productive?
I have a question.It is a new business venture. I want to know how to get a '0' credit rating. At this point '0' is my goal. I'll call it a reverse credit score. It may possibly aid in keeping your identity safe
. It could also lead to the reinvention of 'cash' with little or no fees, also more personal privacy after all the fine details are worked out
This is as far as I got in my business plan today. Anyone have anfe suggesstions?
More broadly though, although having no debt is certainly not a bad thing, having some debt is not necessarily a bad thing either, as long as it is the right kind of debt. Good debt is debt that helps you get ahead in life: reasonable amounts of student loans, for example, or an affordable mortgage. Bad debt is debt that holds you back or is unreasonably expensive, like credit card debt.
Hello BelieveONot,
I certainly sympathize with your situation as well as with the thousands of others who are in a similar predicament. It was scenarios such as yours, and those faced by potential home-buyers across the country who need to hit a specific score in order to qualify for a home loan, that led our company, MFI Credit Solutions, to develop a product we call Credit Mapping. Using proprietary analytics and industry knowledge, we analyze a person's credit report to give them a "mapping", which will list the specific steps they need to take to hit their target credit score within the time period desired and with the resources available. We are not a credit repair firm. We're simply trying to educate the consumer to be able to manage their credit to achieve their goals.
Please go to our website, mapyourcredit.com, if you would like to learn more.
Good Luck!
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Pursuing a short sale may cost you $8,000
With the April 30 deadline for the homebuyer tax credit approaching, gambling that a lender will close the deal in time is risky.
If you want to buy a home in time to take advantage of the $8,000 tax credit for first-time homebuyers (or the $6,500 credit for some move-up buyers), you'd better get moving.
You are probably already too late to snag a deal on a short sale.
Rachel Nacion-Ograyensek and her husband, who found a short sale house they want to buy near Orlando, are gambling that they can get the lender to agree to the sale by April 30 and close by June 30, to meet the tax credit deadlines.
"The house is our dream house -- it's perfect for us," Nacion-Ograyensek told The Orlando Sentinel. "We are trying to get in on the tax credit, but it's done in April, and it's already February. We've gotten to the point where we're passively looking for other houses, but none are quite right."
With just 67 days until the deadline to have a signed contract on a house, falling in love with a short sale home may mean you have to decide between the tax credit and the home.
"That's where you get into that riverboat-gambling mentality," Jim Ruddy, Nacion-Ograyensek's real estate agent, told The Sentinel. "Is it worth gambling that $8,000?"
In depressed markets, such as Florida and California, short sales make up a significant percentage of the houses on the market. In Orlando in December, 67% of home sales were distress sales -- and about half of those were short sales, The Sentinel reported.
New Treasury Department rules that are supposed to streamline short sales take effect April 5, but those rules first require the borrower to seek a mortgage modification, so it's unlikely they will be much help to buyers seeking to meet the tax credit deadline. The rules require lenders, who now can take months to respond to a purchase offer, to respond within 10 days.
Buying a house in a short sale can take up to 120 days, reported Steve Cook at Real Estate Economy Watch. In some cases, the lender never responds to an offer.
He cited a February 2009 survey of 1,300 real estate agents that found that only 23% of short sale offers actually resulted in a sale. More than 90% of agents blamed a slow response from lenders for the failure of the deals.
Though some short sales in which only one lender is involved may close in a reasonable amount of time, there is no way for the buyer to know in advance how long a deal will take, Cook noted. In cases where there are liens from homeowner associations, second lenders and mortgage insurers, the sales take even longer. "Second lien holders often hold up the transaction to exert the largest possible payment, in exchange for releasing their lien, even though in foreclosure they will get nothing," he wrote.
If you think you want a short sale house and are on a tight deadline, Lynne Byrne at Daytona Real Estate recommends making offers on five or six properties to increase your odds that one sale will be approved in time. She also recommends using an agent who is an expert in short sales and scheduling the closing well in advance of June 30 to deal with any problems that arise.
Not only can the seller's lender take time to approve a sale, your own lender may require more time to approve your mortgage.
Related reading:
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Wednesday, February 15, 2006
For the love of bees!
I have a love/hate relationship with bees. I like how they look in my quilts, so that definitely makes them useful. I like how they have this whole pollinating thing going on that is useful to all of us and I like honey, in fact I love honey. So I think that is where the love thing comes in. Now comes the hate thing. A few years back I came downstairs one morning, made coffee as is my usually routine and when I went to set it down on the dining room table I seen there was a sticky substance. With further examination I found that this sticky substance not only was on the table but also on the floor, coming down the wall and going across the top of the ceiling. We had this whole Amityville thing going on. My initial reaction was to run out the door screaming, call in the media and make some instant cash off of our house of horrors. But common sense and past experiences told me this was just another round of bad luck with our old house. Husband comes home, sticks his finger in it and then licks it, "ummmm honey". Okay so now we know we don't have some kind of poltergeist taking over, but we definitely have a bee problem. It seems the bees had moved into the floor of our bedroom. How this happened I don't know. It was decided that we would have the bees smoked out and then we would do the clean-up. This consisted of pulling our floor boards up and removing a whole bunch of honey combs, honey, etc. from inside the floor/ceiling. What a job, we removed buckets full. We then laid floor dry to seep up more honey and then removed it. After the job was done we re-laid our floor and went back to our less then normal life. How did these bees move in? They obviously worked very hard at what they were doing, how did I not hear them? Since this experience bees have shown up quite often in my work. They always look kind of cute, something I now know is not true. But I now have a connection to these bees. A connection to this circle of life that is happening around us (sometimes closer then we think) even when we are not thinking about it (or possibly when we are sleeping above it)!
M's Easter baskets usually have a theme. One year it was bees! Flower seeds to plant,
a book on bees, a little dress with bees on it and a little wool purse with bees!
8 comments:
- Dawn said...
Oh Laura - this is such a great story, but not a fun thing for you to do for sure! I can't even imagine! My cousins daughter when she first got married and moved to Minnesota woke up the next morning to find blood all over her kitchen floor. She was miss prissy and not so street smart. She freaked out! Luckily my other cousins daughter was there (she is the more sensible one) and looked above the "blood spot". Here she sees an almost empty wine bottle in the wine rack with dried "blood" all over the cork! Yes not so smart one had opened the bottle of wine, stuck the cork back in and put it in the wine rack! Duhhh! She knows better now!
- Patti said...
What a great story - but how totally awful for you! I sure hope the expense was at least partially covered by your homeowners insurance. It's a good thing they didn't come into you room and sting you!
Love your little bee and bee skep purse!
- Tonya R said...
oh eeeeuw. Sounds like a completely disgusting mess. Was any of the honey salvagable? Could have at least had a treat out of it... I can see why the bees appear in your work.
- kathie said...
Oh No!!!!!
I can't imagine having bees living in my floor boards....
what a nightmare come true!
good for you being able to add bees to your work,
Love the little purse....very cute.
fun to make I bet.
- Finn said...
Great story, but poor you having to deal with all that sticky mess! I do love your little wool purse complete with bees..*VBS*
- Barb Vedder said...
Hi Laura - I love the bee story, yikes....we have kept bees at our family farm in Illinois, it's really interesting. I have a collection of bees, skepts, and related items. Between quilting and "B"arb, it was natural. Last year I did my daughters hair in a bee skept, complete with twigs that had little bees hanging off and buzzing around her head. I looked for a picture, can't find yet.
- Bonnie said...
Fabulous bee story! (and scarey too) When I was young we had a swarm of bees take up residence in the wall of our house, and I remember the whole removal process as well..fascinating, but scarey!
- Lily said...
I like bees too - but only when they're outside! Or on quilts :)


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"I wanted a baby shower invitation to celebrate the royal event of the arrival of my grandson. He is not really going to be a prince except in my eyes. Therefore, this was the perfect combination of sophistication, elegance and panache. The design was simple, striking, different, and the focus was on the word "Baby." Everyone loved them!"
"I was so excited to see these all printed up...they are just classic and done so well. The quality of the paper, print etc. was impeccable. Tiny prints rock:))"
"I love how this invitation turned out. I could not be more happier with the quality of the card, the colors, and the overall presentation. I will definitely use this site again for any future invitations."


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Baby Goat Plays on Sleeping Pig - You Will Laugh! - Cute Videos
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Oh boy, is this baby goat adorable! Watch him gleefully play on a huge pig's back like it's a big playground! HAHA!
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June 3, 2013
A Good Day to Die Hard is out on DVD and Blu-ray tomorrow.
Die Hard: It's the ultimate action movie franchise, and we've got an exclusive clip from the set of the latest flick, A Good Day to Die Hard, featuring cast interviews and a behind-the-scenes look at the action sequences from one particularly messy scene.
Watch the clip below, then experience all the Blu-ray extras on A Good Day to Die Hard, out Tuesday, June 4. And cross your fingers that Bruce Willis makes it to another Die Hard set before he turns 80.
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text: Artist News: Oprah & Rihanna Take A Trip To Barbados For "Next Chapter". RiRi & Oprah visited her home island for part of the taping for Oprah's "Next Chapter" where Oprah will be interviewing Rihanna.Oprah plans to leave no stone unturned. She has been trying to snag a sit down with Rihanna ever since the 2009 domestic violence incident.I pretty sure Oprah will asking all the right question.This be BIG you guys must watch. August 19th the world will be tuned in!!! rihanna oprah next chapter barbados jesqa reblogged this from beintheloopgingernutsnob reblogged this from beintheloopdrop-dehd likes thisbeintheloop posted this


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Abbeville deputies trying to find out who killed a man on bridgeUPDATED 1:47 PM EST Nov 12, 2013
The body of a man found on an Abbeville County bridge is at the center of a homicide investigation, according to the Abbeville County coroner.Video Transcript
RIGHT NOW... ABBEVILLE COUNTY DEPUTIES ARE IN THE MIDDLE OF A HOMICIDE INVESTIGATION. THEY'RE TRYING TO FIGURE OUT WHO KILLED A MAN AND LEFT HIM ON A BRIDGE ON OLD CALHOUN ROAD. WYFF NEWS 4'S SEAN MUSERALLO HAS THE STORY FROM ABBEVILLE. CLIP 27 11:22 "The sheriff's office says a 911 call came in around 11-30 last night. The caller told dispatchers they saw a man's body on the Little River bridge. When investigators got there, they found a man, shot to death, which marked the beginning of their homicide investigation."SO FAR, NO SUSPECTS HAVE BEEN IDENTIFIED IN THE CASE. THEY'RE STILL TRYING TO FIGURE OUT WHO THEIR VICTIM IS. THE PART OF OLD CALHOUN FALLS ROAD WHERE HE WAS FOUND IS FAIRLY ISOLATED. JUST ONE HOUSE SITS A COUPLE HUNDRED YARDS AWAY. SHERIFF RAY WATSON SAYS THE MAN WAS FOUND FULLY CLOTHED. HE APPEARS TO BE A MIDDLE-AGED WHITE MAN, ACCORDING TO THE CORONER. --NAT-- THIS IS THE SECOND TIME THIS MONTH ABBEVILLE COUNTY RESIDENTS HAVE BEEN SHOCKED WITH NEWS OF VIOLENCE. JUST LAST WEEK, A MURDER SUICIDE ROCKED THE RURAL COMMUNITY. clip 31 15:07 "it's still a great place to live. it's just, society and the times we live in."clip 28 12:10 "The sheriff says his investigators will check the missing person's log to see if there's a similar description to the victim. The coroner has started his autopsy and plans to release the results later this afternoon. In the meantime, the sheriff is asking anyone with information about this case to contact his department. I'm Sean Muserallo.
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It can easily be said the gaming industry has captured the hearts of millions of people from around the world- raking in billions of dollars every single year.
Some may even argue that the gaming industry has gotten as big or even bigger than that of the music industry. While the music industry has countless musicians all looking to prove themselves worthy of standing out, the same can be said about gamers.
So how exactly does one find an identity within an industry where players have become a dime a dozen? The answer can be as simple as playing at a level that is above other players. However convictions and boasting about skill level is not enough, some sort of proof is required. What better way to prove those convictions than to show off video footage of the actual game play as it took place?
The evolution of recording game play has skyrocketed within the past few years and shows no sign of slowing down. With an outlet such as YouTube, gamers can show off their gaming skills or teach gaming tutorials with relative ease.
Aside from bragging rights, money has become another incentive for gamers to record their game play. For example, YouTube offers the monetization of videos when they reach a certain level of popularity. The concept is fairly simple- the more viewers the video receives, the more money it makes.
Game recording has spawned countless viral videos of game play and has contributed into turning average gamers into online celebrities. When a video goes viral, not only does it give the user millions of hits on their video, but it gives them the respect from gamers from all around the world.
For example in late 2011 a video by a gamer known as RendeZook, wowed just about everyone with a fantastic video of a Battlefield 3 kill. The footage shows RendeZook eject from his crippled jet, then shoot the plane behind him with a well-timed rocket. On top of that already impressive feat, afterwards he managed to somehow get back into his jet and fly away. The video gave RendeZook instant fame within the gaming industry and handed him over 8,000,000 views on his short 30 second YouTube video.
It appears gamers are not the only ones to cash in on the game recording craze. Companies are becoming more aware of the growing popularity and are putting out products tailored specifically towards recording and sharing game play.
Companies such as Avermedia, Hauppauge, and Roxio are just a few to create game recording devices that allow the recording and sharing of gaming videos with other people.
Mr. Brice Washington, a representative of the Hauppauge company recently told me "Hauppauge has been in the TV tuner business for 20 years. A few years ago we had realized a lot of gamers were using our products to record themselves playing video games. So by popular demand we were happy to give our customers exactly what they wanted. That is how our Hauppauge HD PVR Gaming Edition was born"
While it is an ideal time for companies to create such devices, one has to ask the question on just how long is it going to be before consoles include game recorders within their systems? In June 2010 the PS3 firmware was updated to include a video editor on the consoles XMB. While this was a step in the right direction it was not a true game recorder. The update had given the PS3 the ability to edit and share content that was already on the PS3 hard drive, not record actual game play.
Realistically it doesn't appear likely that the PS3 or the Xbox 360 will ever have the ability to screen record- they simply do not have the ram or the computing power. However that does not rule out that the next-gen consoles that will be appearing sometime within the next two to three years will have that issue. While the idea of a screen recorder on a console may sound ideal, in my personal opinion I would much rather stick with a external game recorder to eliminate any chance of laggy game play.
With all that said it is obvious that game recording is a growing market. There will always be the gamer who feels the need to justify their claim that they are a better player than everyone else, the gamer who feels the need to create videos on how to cheat at our favorite gaming titles, and finally the gamer who records for none other reason than for the fun of it.
Regardless the reason, games, or gaming systems these players fancy, the desire to game record will never go away. It is simply here to stay.
Game Recording Options:
I decided I would go a step further for this article and test out two popular devices for consideration for anyone who may be looking into recording their game play.
Hauppauge HD PVR Gaming Edition Versus The Roxio Game Capture Device
Hauppauge HD PVR Gaming Edition:
- Comes with all cables and wires needed
- Additional RCA/ S-Video plugs in front of the device
- Optical and sound blaster plugs (Optional)
- YouTube integration
- Records with very good quality
- Large in size
- No HDMI ports
- Large amount of connecting wires
- Software freezes occasionally
- Small in size
- Setup is simple and self explanatory
- Easy to use software
- YouTube integration
- Allows video to be recorded in Divx format
- Does not include console component cable (Easily it's biggest flaw)
- No HDMI ports
- Lower end computers can experience audio sync issues with video
- Software takes up a lot of computer resources
My Conclusion:
Even though I am an experienced game recorder, I never had the privilege of testing these two devices until recently. I felt both of them had things going for and also against them. My biggest gripe about these two devices were the claims of being HD, yet neither provided an HDMI port. Size-wise, the Hauppauge was bulky while the Roxio was small and simple. While simplicity is always nice, I did enjoy the additional features that the Hauppauge offered such as the front RCA plugs, the optical audio feature, and the plug for a sound blaster.
The Hauppauge offered everything I needed to begin recording game play however the Roxio did not offer the connecting component cable required to connect the recorder to the console. I felt that was a major flaw going against the Roxio. The provided software for both programs was simple and easy to use. However both software programs used a lot of computer resources and both froze up my computer occasionally. It eventually got very frustrating so I then moved the game recording to a computer with better ram and the freezing issues ceased. My favorite feature was provided by the Roxio because it had the option of recording video in a Divx format- a format not supported by the Hauppauge.
I was actually surprised how similar the video quality of each device was when compared to one another. Especially since there is a substantial price difference between the two recorders. In each video demonstration both devices detected immense detail and superb audio. I was quite pleased with the end results and am optimistic the average gamer would find both devices to give excellent quality.
I am afraid if I had to choose which of the two I preferred, I could not choose one over the other. The decision on which to purchase has many variables. In my situation the ability to record in the divx format on the Roxio was very inviting, however the constant computer freezes on my lower end PC rendered it irrelevant. The Hauppauge was more stable on my lower end machine but also experienced issues. So if the user has a lower end machine I would suggest the Hauppauge.
If price is a deciding factor, the Roxio Game Capture easily wins. Retailing around $99, it is considerably less expensive than the Hauppauge that retails around $179.
If hard drive space, price, or computer configuration play no part on the decision on which device to buy, I would have to suggest the Hauppauge HD PVR Gaming Edition. I feel someone in this situation would agree that the pros of the device would far outweigh the cons of the machine.


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Advantage Hunting Whitetail 2 Man Full Door BlindItem Number: 12290459
Price: $999.99
Free Shipping Eligible on Qualifying Purchases Over $49! Up to $15 Shipping Credit. (See Promotion Details)
Product Information
Customer Reviews
Buying Guide
Buying Guide
Buying Guide
Advantage Hunting Whitetail 2 Man Full Door Blind is great for gun or crossbow hunting. It offers a through-bolt design with interlocking corners and is lightweight and virtually maintenance free. This blind features a weather and bug resistant heavy duty polyethylene shell with carpeted 3/4" pressure-treated plywood floor, tinted corner viewing windows for 360 degree view and tinted polycarbonate window that flips up and out of your way!
- Through-Bolt Design w/Interlocking Corners
- Lightweight
- Virtually Maintenance Free
- Weather/Bug Resistant
- Ground or Elevated
- Tinted Polycarbonate Window that Flip Up
- Tinted Corner Viewing Windows for 360 View
- Heavy Duty Polyethylene Shell
- Carpeted 3/4" Pressure-Treated Plywood Floor
- For Gun/Crossbow Hunting
- Platform Required
- Dimensions: 54"W x 60"D x 73"H
- Advantage Hunting
Country of Origin: Imported
Customer Reviews
Rated 5 out of 5�by 1 reviewer.
Rated 5 out of 5�by hehehe awsome awsome helped me get my massive 14 point this year got the record whitetail in long island scored 213 November 19, 2012
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text:
It wasn't hard to find the fire at four o'clock this morning – the orange glow was visible for miles as I made my way thru the streets of Santa Ana.
And even if you couldn't see it, if you were anywhere in the same zip code you probably could hear it. The loud explosions, timed just far enough apart they caught you off guard each time.
And then there was the smell. That smell. The air was thick with it and I'm not talking about the smell of a burning building and its contents. No, this was different.
But, what was it? I knew I knew it; it was familiar but so out of place standing in the middle of S. Anne Street at by now 5 o'clock in the morning.
Sniff, sniff…
I couldn't place it when suddenly I turned to look at my phone and caught a glimpse of my pink nails and bingo! Nail polish! The smell was acetone! The smell in the air was either nail polish, nail polish remover or the chemical used in it!
Finally all that time spent "picking a color" paid off!
All kidding and gel shades of pink aside, turns out it was some kind of beauty supply manufacturer that had caught fire and one of the many chemicals stored in the 55 gallon containers going up in explosive bursts of fire was indeed acetone, according to the Orange County Fire Authority.
What a firefight!
Between the explosions, firefighters had to worry about the then unknown chemicals they were up against polluting the water runoff, not to mention at least one power pole had caught fire posing yet another risk.
For six straight hours, they worked non-stop. And even when the fire was out, it wasn't. The chemicals continued to stubbornly smolder, flaring up and bursting into flames over and over again.
And when it was finally over, really over, it really wasn't.
Oh, no, it's just beginning.
Now a team of fire investigators will come in to sift thru the ashes for clues. It's a painstakingly detail-oriented job but someone has to do it because the "Mystery of the Nail Polish Fire" now has to be solved.
WTTG FOX 5 & myfoxdc5151 Wisconsin Ave. NWWashington, DC 20016Main Number: (202) 244-5151Newsroom: (202) firstname.lastname@example.com