text:
a b c d e f g h i j k l m n o p q r s t u v w x y z
Don't get bamboozled on a day at the races - use our A-Z jargon buster to help you understand the lingo.
Presenting the letter T . . .
Tap-root mare
A broodmare who is ancestor on the female side of many winners.
Tattersalls (racecourse enclosure)
The enclosure next in status to Members'. Those choosing this enclosure haveaccess to the main betting area and the paddock.
Stallion used to ascertain a mare's receptiveness towards mating before she is introduced to the stallion who will cover her.
A breed of horse used for racing.
The sign language used by bookmakers to communicate changes in betting odds on the racecourse. Tic-tacs wear white gloves and signal the odds to bookmakers using their hands and arms. Some tic-tac terms reflect the sign laguage - for example, 'ear'ole' (6-4), and 'shoulder' (7-4) for which the tic-tac touches his ear and shoulder respectively.
Tight track
A narrow track with tight turns that suits smaller, nippier horses. Examples are Chester on the Flat and Cartmel and Kelso over jumps.
Another, informal term for hurdles.
An on-course bookmaker's forecast of the opening betting odds on a race. Tissue prices are early odds offered before a betting market has been formed. Some punters compile their own tissue in preparation for a race.
Tongue tie
Strip of material tied around a horse's tongue and jaw to keep it from retracting or extending its tongue, which can clog its air passage. A horse wearing a tongue tie is denoted on a racecard by a small t next to the horse's weight (t1 indicates that the horse is wearing a tongue tie in a race for thefirst time).
Tote (company)
Government-owned pool betting company, established in 1929, principally offering tote odds but also fixed odds. Contributes a large sum to racing each year. Full name: the Horserace Totalisator Board.
Tote (betting)
Introduced in Britain in 1929 to offer pool betting on racecourses. All the stakes on a particular bet are pooled, before a deductionis made to cover the Tote's costs and contribution to racing. The remainder of the pool is divided by the number of winning units to give a dividend that is declared inclusive of a £1 stake. Odds fluctuate according to the pattern of betting and betting ceases when the race starts.
A three-leg accumulator. All three selections must be successful to get a return; the winnings from the first selection automatically go on to the second and then on to the third.
Another term for the distance of a race. When a horse has the stamina for a certain distance, it is said to 'stay/get the trip'
Triple Crown
In Britain, for colts the Triple Crown comprises the 2,000 Guineas, the Derby and the St Leger; for fillies, the 1,000 Guineas, the Oaks and the St Leger. Winning all three races is a rare feat, last achieved by a colt (Nijinsky) in 1970 and by a filly (Oh So Sharp) in 1985. The American Triple Crown comprises the Kentucky Derby, Preakness Stakes and Belmont Stakes (the last horse to win all three was Affirmed in 1978).
Multiple bet consisting of four bets involving three selections in different events. The bet includes three doubles and one treble. A minimum of two selections mustbe successful to get a return.
Turned out
1) Racecourses often have a 'best turned out' award for the horse adjudged to have been presented in the most attractive way. 2) A racehorse that is taking a break from racing/training and is allowed out in a field is said to have been 'turned out'.
Turn of foot
A horse's ability to accelerate in the closing stages of a race. A horse with a 'good turn of foot' has good finishing speed.
Every horse officially turns two on January 1, at the start of the second full calendar year following its birth, irrespective of its birth date - e.g. a horse born in April 2008 will turn two on January 1, 2010.
Two-year-old horses are also known as juveniles, and this is the first age at which horses are allowed to compete on the Flat (the youngest racing age over jumps is three years old).


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Cashiers du Cinemart 4
- "Readers' Letters"
- "Sovine…So Fine" - What Was Teddy Bear's Miracle?
- "Miramax Strong-Arms Chicago Film Fest"
- "Two Tickets For" - Precursor to "Theater Daze" (CdC #6)
- "Shot In Detroit" - Locally Made Movies
- "The Pot Tells The Kettle To Shut The Fuck Up!" - by Mike Thompson
- "Kevin Bacon Revisted" - KB Revisted
- "Starry Eyed" - by Patricio Vamos
- "I Have A Boba Fettish" - Reflections on RETURN OF THE JEDI
- "A Fine Day At Beat Box"
- "An Evening With Dolomite"
- "Girls & Guns Revisted"
- "This Is Where We Piss You Off" - An attack on Godard
- "Who The Fuck Is Jackie Chawn?"
- "How It Came To This" - by Paul Kazee
- "We Used To Have FUN In Detroit"
- "Guilty Displeasures" - Yes, I dissed SHOAH
- "Catfight"
- "Highlander 2" - by Mike Thompson
- "Killer Party" - by Rich Osmond
- "Certain Fury" - by Rich Osmond
- "Night Of The Running Man" - by Rich Osmond
- "Point Blank"
- "Two Lane Blacktop"
- "The Killers"
- "Safe/Superstar: The Karen Carpenter Story"
- "Brainsmasher: A Love Story"
- "Sonic Outlaws"
- "Zines"
- "The Exciting Sounds Of Leon"
- "Insidious Christian Cartoon" - Reprinted w/o permission
Cashiers du Cinemart #4 was a mutha. A blue, blown-up, ass-bustin' for real zine. It was my first foray into the digest-size and it made my work look a lot better. Around this time I also got a real feel for the whole cutting and pasting thing as I discovered the best thing a zinester can own--a gluestick! CdC #4 was probably one of my most nostalgic, I dealt a lot with favorite topics from high school: Beat Box, Boba Fett, Dolemite, and Red Sovine.
If you can't tell by the number of articles listed above, this thing was quite weighty. It really put the copier at work to the test, but thank goodness for that Blockbuster postage meter, eh? It would take me almost an entire shift at Comcast to photocopy a hundred of these bad boys.
For some reason, this was my most unpopular cover. I don't know why. I had always wanted a cover like a box of popcorn, kind of like the cover of the bootleg GREAT ROCK & ROLL SWINDLE. The main artwork is by St. Louis artist and creator of the zine Electric Warhol, Greg Wyatt. The tickets were drawn by my wife, Carol, and the lettering was done by Andrew. The back cover was an ad for MEGAFORCE which went along with the motif of the issue; comic book ad art. I guess I ripped off a lot for this issue; all the ad art, comix from Fun and from a local Christian newspaper, an article about Rudy Ray Moore from Orbit, a fetish fantasy letter from Nugget, and I re-edited an editorial from Sassy to suit my own evil purposes.
As far as themes go, CdC#4 was very light on the Tarantino coverage, only dedicating three pages to the lantern-jawed director. CdC#4 also marked the start of my war against bad documentary films. I started with the grand-daddy of all bad doc's, SHOAH. I'm amazed I didn't get more response after tacking such a weighty film, but I'm sure there are very few people who don't sit through all ten hours and wonder, "Couldn't we have cut that down a little?"

subset: commoncrawl


text: stifler's beer pong logo By Stifler April 7, 2012 3:13 AM Share on Facebook Share on Twitter Category: Share on Facebook Share on Twitter More Leave a comment Send to a friend! Print this page Pin it! Reddit This! Share on Tumblr! More from K945 The Coolest Pool Ever in the History of Anything YouTube Celebrity Proposes In a Pretty Amazing Way Wendy Williams Eats Crow! [VIDEO] The Kidd Kraddick Morning Show Answered Your Questions… Hear What They Had To Say! [VIDEO/AUDIO] Best of the Web


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PatrickHenryThunder_3 Wrote:
Apr 09, 2012 12:42 AM
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LEGO Shop Home Themes DUPLO® Zoo Train
Zoo Train
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• Ideal gift item for the youngest preschoolers
• Measures over 9" (25cm) long, 2" (6cm) wide and 3" (10cm) tall
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text:
The illusions of patriotism are limitless. In the first century of our era Plutarch ridiculed those who declared that the moon of Athens was better than the moon of Corinth; in the seventeenth century Milton observed that God usually revealed Himself first to His Englishmen; at the beginning of the nineteenth, Fichte declared that to have character and to be German were, obviously, the same thing. Here in Argentina, nationalists are much in evidence; they tell us they are motivated by the worthy or innocent desire to foment the best Argentine traits. But they do not really know the Argentine people; in speeches they prefer to define them in terms of some external fact - the Spanish conquistadores, say, or an imaginary Catholic tradition of "Saxon imperialism."
Unlike North Americans and almost all Europerans, the Argentine does not identify himself with the State. That can be explained by the fact that, in this country, the governments are usually exceedingly bad, or the State is an inconceivable abstraction; the truth is that the Argentine is an individual, not a citizen. Aphorisms like Hegel's - "The State is the reality of the moral idea" - seem like a vicious joke. Films made in Hollywood repeatedly portray as admirable the man (generally a reporter) who tries to make friends with a criminal so he can turn him over to the police later; the Argentine, for whom friendship is a passion and the police something like a mafia, feels that this "hero" is an incomprehensible cad. He agrees with Don Quixote that "no one is without sin" and that "good men should not be the executioners of the others" (Don Quixote, I, XXII). More than once, as I confronted the vain symmetries of Spanish style, I have suspected that we differ irrevocably from Spain; but those two lines from the Quixote have sufficed to convince me of my error; they are like the calm and secret symbol of our affinity. One night of Argentine literature is enough to confirm this: that desperate night when a rural police sergeant, shouting that he would not condone the crime of killing a brave man, began to fight on the side of the deserter Martin Fierro against his own men.
For the European the world is a cosmos where each person corresponds intimately to the function he performs; for the Argentine it is a chaos. The European and the North American believe that a book which has been awarded any sort of prize must be good; the Argentine acknowledges the possibility that it may not be bad, in spite of the prize. In general, the Argentine is a skeptic. He may not know about the fable that says humanity always includes thirty-six hyst men - the Lamed Vovniks - who do not know each other but secretly sustain the universe; if he heard that fable, he will not be surprised that those worthies are obscure and anonymous. His popular hero is the man who fights the multitude alone, either in action (Fierro, Moriera, Hormiga Negra), or in the mind or the past (Segundo Sombra). Other literatures do not record anything quite like that. For example, consider the case of two great European writers, Kipling and Franz Kafka. At first glance the two have nothing in common, but the principal theme of one is the vindication of order - of one order (the highway in Kim, the bridge in The Bridge Builders, the Roman wall in Puck of Pook's Hill); the principal theme of the other is the insupportable and tragic solitude of the person who lacks a place, even a most humble one, in the order of the universe.
Perhaps someone with say that the qualities I have mentioned are merely negative or anarchical ones, and will add that they are not capable of political application. I venture to usggest that the opposite is true. The most urgent problem of our time (already proclaimed with prophetical clarity by the almost forgotten Spencer) is the gradual interference of the State in the acts of the individual; in the struggle against this evil - called communism and fascism - Argentine individualism, which has perhaps been useless or even harmful up to now, would find justification and passive value.
Without hope and nostalgia, I think of the abstract possibility of a political party that has some affinity with the Argentine character; a party that would promise us, say, a rigorous minimum of government.
Nationalism seeks to charm us, but the vision it presents is that of an infinitely importunate State; if that utopia were established on earth, it would have the providential virtu of making everyone desire, and finally achieve, its antithesis.
- Jorge Luis Borges, "Our Poor Individualism"
Buenos Aires, 1946


text:
Product Description
Metabolic Blend
Balances metabolism and helps control hunger and calorie intake. Balances blood sugar. Aids in detoxifying, cholesterol, controlling cravings, appetite, and addictions. Is most effective when combined with exercise and healthy eating. Add 8 drops to 16 oz of water and drink throughout the day between meals. Diffuse.
dōTERRA's Slim & Sassy is a proprietary formula of grapefruit, lemon, peppermint, ginger, and cinnamon essential oils. Just add 8 drops to 16 oz. of water and drink between your healthy meals throughout the day to help manage hunger, calm your stomach, and lift your mood. Slim & Sassy is 100% pure essential oils, does not contain diuretics or stimulants, and has zero calories.
Consult your competent practitioner for all issues related to your own personal health. The information on this page and this site has not been evaluated by the FDA. It relates to historical application of essential oils and should not be construed as claims or medical advice.


text:
|Shireen Adenwalla
|Novel interactions in Thin film magnetic systems; interactions at ferroelectric/ferromagnetic interfaces; Boron based semiconductors and neutron detection applications; using biological templates for patterned media.
|Kirill Belashchenko
|Electronic structure and magnetism of solids; spin-dependent transport; microstructural evolution in alloys; microstructure/property relationships in magnetic materials.
|Christian Binek
|Magnetic heterostructures, molecular beam epitaxy, extrinsically controlled exchange bias & spintronic applications, fundamental aspects of thermodynamics studied with magnetic model systems.
|Peter A. Dowben
|Electronic (band) structure across electronic phase transitions in reduced dimensionality.
|Stephen P. Ducharme
|Design and study of polymers; development of a self-calibrating ellipsometer; ultrathin ferroelectric polymer films; photorefractive and xerographic polymers.
|Axel Enders
|Magnetism and electronic properties of nanostructures formed by self-assembled growth, low- and variable temperature scanning tunneling microscopy, magneto-optics, magnetic dichroism with x-rays
|Alexei Gruverman
|The group research is focused on fundamental studies of nanoscale physical phenomena in electronic and polar materials by means of scanning probe microscopy (SPM) techniques.
|Xia Hong
|Epitaxial growth and nanofabrication of complex oxide heterostructures; transport studies of nanoscale and low dimensional electron systems
|Roger D. Kirby
|Magnetism in nanostructured materials; magnetization reversal processes; magneto-optical measurements.
|Sy-Hwang Liou
|Magnetic domain imaging; magnetic nanostructured materials and complex oxides.
|David J. Sellmyer
|Nanoscale magnetic materials, self-assembled dots, extremely high density recording media, nanostructured high-energy product magnetic materials.
|Evgeny Tsymbal
|Computational studies of magnetic, ferroelectric and transport properties of nanoscale materials and structures: magnetoelectric interfaces, magnetic and ferroelectric tunnel junctions, complex oxide materials
Emeritus Professors
|Sitaram S. Jaswal
|Edgar A. Pearlstein
|Paul R. Byerly, Associate Professor Emeritus
Adjunct Professors
|Craig J. Eckhardt
|Department of Chemistry, UNL
|Vladimir Fridkin
|Institute of Crystallography, Russian Academy of Sciences, Moscow 117333, Russia
|George Hadjipanayis
|Department of Physics, University of Delaware
|Wai-Ning Mei
|Department of Physics, UNO
|John A. Woollam
|George Holmes Professor of Electrical Engineering, UNL
|Xiao C. Zeng
|Department of Chemistry, UNL


text:
Jasper Conran's studio team capture and document the making of his catwalk collections. Featuring exclusive photos and videos of all aspects of the run up to London Fashion Week and the show itself.
We have moved…
For visual updates in the build up to the show, follow us on Facebook, Twitter and Pinterest, where we will be posting regularly from behind the scenes.
Jasper Conran S/S 13 backstage


text:
Charges have been
filed with two suspects arrested in connection with the murder of 67-year-old
Tony Blankenship.
According to Attala County Sheriff Tim Nail, Kayla Lee, a 27-year-old white female from Attala County, was arrested late Monday night. Demetrins Brinkley, a 25-year-old black male from Greenwood, was arrested at
around 3:00 am Tuesday.
Both Lee and Brinkley
have been charged with Capital Murder and are being held in the Attala County
Jail. No bond has yet been set.
Officials stopped by the home on a welfare check. They say that upon arrival, Blankenship was found dead.
The cause of death seems to be from gun shot wounds that officials say appeared to have happened Saturday night.
More details will be confirmed pending the results of the autopsy.
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Next, you'll be asked to connect with Twitter. Rest assured, we will never send a tweet from your account
without your permission.
We will send you an email with an invite soon.
New interview up on The Kickass Life with David Wood (featuring yours truly!)
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MADISON, WI (WTAQ) - Wisconsin's second annual wolf hunt began Tuesday morning.
Hunters have until end of February to kill 251 grey wolves -- more than twice the quota from last year.
The season ends once the quota is reached.
Last year, hunters needed only about half the scheduled season to reach their limit.
A group called Friends of the Wisconsin Wolf had protests planned for Tuesday afternoon in Madison and Superior.
Animal rights' supporters say Wisconsin's wolf population is too fragile to support a hunt -- but they can't stop it. National humane groups have been waiting for months for a federal court to consider their lawsuit to stop wolf hunts not only in Wisconsin but elsewhere, and to return grey wolves to the federal endangered species list.
State officials say the hunt is needed to reduce the numbers of wolf attacks on livestock and farm crops.


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The Island In Pigeon Forge Is Open
The Island in Pigeon Forge, a new retail and entertainment center in the heart of the vibrant tourist town, opened to the public June 21. It features restaurants, shopping, attractions, and a 200-foot-high observation wheel offering spectacular views of the Great Smoky Mountains.
The Island in Pigeon Forge is a 22-acre mixed use entertainment development that will open Phase 1 with a total investment of over $100 million with established eateries, attractions and shops like Auntie Anne's, Cinnabon, Island Yogurt, The Fudgery, Poynor's Pommes Frites, Timberwood Grill, Mellow Mushroom, Dude's Daiquiris, Arcade City, The Flying Horse Carousel, The Euro-Bungy Dome, The Island Trading Post and The Great Smoky Mountain Wheel Gift Shop. Phase 2 will begin construction in the fall with an anticipated spring 2014 opening and is set to feature a $2.7 million show fountain covering 11,000 square feet, and a 132-room, four-star hotel.
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text:
Welcome to Jin Gu's Homepage
Bioinformatics & Systems Biology Research Group
Jin Gu Ph.D. (古槿), Assistant Professor
MOE Key Laboratory of Bioinformatics
TNLIST Bioinformatics Division / Center for Synthetic and Systems Biology
Tsinghua University, Beijing 100084, China
Contact Information:
Email: wellgoo at gmail dot com
Phone (Lab): +86 10 62794294-866
Fax (Lab): +86 10 62786911
Last Update: Jul 31, 2014
Last Update: Jul 31, 2014
[2014/05/24] A new version of FastDMA (v1.2.1) is released. The and output formats for region-based analyses are improved. A Win32 version is provided.
[2014/03/18] OncomiRDB, a database for the experimentally verified oncogenic and tumor-suppressive microRNAs, is accepted for publication by Bioinformatics.
1) MicroRNAs (miRNAs) regulatory networks. MiRNAs, a class of ~22nt endogenous small regulatory RNAs, play essential roles in multiple cellular processes. Most of the annotated protein-coding genes are predicted to be regulated by these tiny molecules through 3'-UTR sequence specific binding sites. Till now, ~1400 miRNAs are identified in human, but most of them are lack of functional annotations. We aim to develop new computational methods and theories to understand the principles of miRNA regulations and their functions during multiple biological processes, such as angiogenesis, inflammation and cancer. Now, we are trying to integrate gene expression data, protein-protein interaction (PPI) network data and miRNA target gene data to infer the dys-regulated miRNA pathways in cancers. We proposed to analyze the miRNA functions based on their target gene modularity in gene co-expression and PPI networks (BMC Syst Biol 2010; Bioinformatics 2012). We also work on building reference resources for studying cancer related miRNAs (oncomiRs) (oncomiRDB, Bioinformatics 2014).
2) Analyzing and modeling the regulatory and functional networks in cancers. Dys-regulated biological networks (including genetics, epigenetics, transcription regulation and miRNA regulation, etc.) in cancer development provide important information for cancer diagnosis and therapy. We are developing methods to identify the dys-regulated networks by integrating genomic, epigenomic, transcriptomic and proteomic data produced by high-throughput technology. Now, we mainly focus on: the methods and tools to analyze DNA methylation data (FastDMA, PLoS ONE 2013); learning the hidden patterns and deep structures from large-scale cancer omic data; and the characteristics of cancer genomic and epigenomic landscapes.
Probabilistic Graphical Models: Principles and Techniques (Graduate course, from Fall 2011, with Dr. Michael Zhang)
Selected Topics in Bioinformatics (Graduate course, Spring 2010, with Dr. Shao Li)
[NEW!!] NP-miRNA: a network propagation based method for inferring perturbed miRNA regulatory networks [Updated: 2014/06/23]
[NEW!!] ClustEx2: finding gene modules based on a set of pre-defined seed genes [Updated: 2013/11/15]
[HOT!!] OncomiRDB: a database for the experimentally verified oncogenic and tumor-suppressive microRNAs [Updated: 2014/03/14]
[HOT!!] FastDMA: an Infinium HumanMethylation450 beadchip (450k methylation array) analyzer [Updated: 2014/05/24]
miRHiC: enrichment analysis of a set of genes in hierarchical gene co-expression signatures [Updated: 2013/03/19]
sGSCA: signature-based gene set co-expression analysis (using sparse canonical correlation analysis) [Updated: 2013/11/22]
ClustEx: responsive gene module identification package (v0.32) [Updated: 2012/05/03]
PCS: de novo k-mer analysis package (v1.5) [Updated: 2009/10/8]
LQ_Bioinfo: a collection for useful resources in Bioinformatics and Systems Biology [Updated: 2011/10/07] (Click Here)
Selected Publications:
Ting Wang, Jin Gu#, Yanda Li. Inferring the perturbed microRNA regulatory networks from gene expression data using a network propagation based method. BMC Bioinformatics 2014, 15:255. [Abstract] [Software]
Dongfang Wang, Jin Gu#, Ting Wang, Zijian Ding. OncomiRDB: a database for the experimentally verified oncogenic and tumor-suppressive microRNAs. Bioinformatics 2014, 30(15):2237-2238. [Abstract] [Database]
Jin Gu#, Zhenyu Xuan. Inferring the perturbed microRNA regulatory networks in cancer using hierarchical gene co-expression signatures. PLoS ONE 2013, 8(11):e81032. [Abstract] [Software]
Dingming Wu, Jin Gu#, Michael Zhang#. FastDMA: An Infinium HumanMethylation450 Beadchip Analyzer. PLoS ONE 2013, 8(9):e74275. [Abstract] [Software]
Ting Wang, Jin Gu, Jun Yuan, Ran Tao, Yanda Li, Shao Li. Inferring pathway crosstalk networks using gene set co-expression signatures. Molecular BioSystems 2013, 9(7):1822-1888. [Abstract] [Software]
Jin Gu#, Shao Li#. Towards integrative
annotating the cell-type specific gene functional and signaling map in vascular
endothelial cells. Molecular BioSystems 2012,
Yang Chen*, Jin Gu*, Dan Li, Shao Li. Time-course network analysis reveals TNF-alpha can promote G1/S transition of cell cycle in vascular endothelial cells. Bioinformatics 2012, 28(1):1-4. [Abstract] [Full Text] [Software]
Jin Gu, Yang Chen, Shao Li, Yanda Li. Identification of responsive gene modules by network-based gene clustering and extending: application to inflammation and angiogenesis. BMC Systems Biology 2010, 4:47. [Abstract] [Free_Full Text] [Software]
Jin Gu, Hu Fu, Xuegong Zhang, Yanda Li. Identifications of conserved 7-mers in 3'-UTRs and microRNAs in Drosophila. BMC Bioinformatics 2007, 8:32. [Abstract] [Free Full Text] [Software]
Jin Gu*, Tao He*, Yunfei Pei, Fei Li, Jing Zhang, Xiaowo Wang, Xuegong Zhang, Yanda Li. Primary Transcripts and Expressions of Mammal Intergenic MicroRNAs Detected by Mapping ESTs to Their Flanking Sequences. Mammalian Genome 2006, 17(10):1033-1041. [Abstract] [Full Text] [Supplementary Materials]
Other Publications:
Liang Li, Jing Tang, Baohua Zhang, Wen Yang, Gaomiyang Liu, Ruoyu Wang, Yexiong Tan, Jianling Fan, Yanxin Chang, Jing Fu, Feng Jiang, Caiyang Chen, Yingcheng Yang, Jin Gu, Dingming Wu, Linna Guo, Dan Cao, Hengyu Li, Guangwen Cao, Mengchao Wu, Michael Q Zhang, Lei Chen, Hongyang Wang. Epigenetic Modification of MiR-429 Promotes Liver Tumor-Initiating Cells Properties by Targeting Rb Binding Protein 4. Gut 2014, Accepted.
Rui Li, Tao Ma, Jin Gu, Xujun Liang, Shao Li. Imbalanced network biomarkers for traditional Chinese medicine Syndrome in gastritis patients. Scientific Reports 2013, 3:1543. [Full Text]
Ruijuan Li, Weilong Guo, Jin Gu, Michael Q Zhang, Xiaowo Wang. Chromatin state and microRNA determine different gene expression dynamics responsive to TNF stimulation. Genomics 2012, 100(5):297-302. [Abstract]
Jin Gu. A multiple-instance scoring method to predict tissue-specific cis-regulatory motifs and regions. The International MultiConference of Engineers and Computer Scientists (IMECS'10) 2010, Vol I:186-190. (Oral Presentation) [Manuscript] [Nature_Precedings]
Jin Gu, Shao Li, Yang Chen, Yanda Li. Integrative computational identifications of the signaling pathway network related to TNF-alpha stimulus in vascular endothelial cells. International Joint Conference on Bioinformatics, Systems Biology and Intelligent Computing (IJCBS'09) 2009, 422-427. (Oral Presentation) [Abstract] [Manuscript]
Jin Gu. Brief review: frontiers in the computational studies of gene regulations. Frontier of Electrical Electronic Engineering in China 2008, 3(3):251-259. [Abstract] [Full Text] [Manuscript]
Xiaowo Wang, Jin Gu, Michael Zhang, Yanda Li. Identification of phylogenetically conserved microRNA cis-regulatory elements across 12 Drosophila species. Bioinformatics 2008, 24(2):165-171. [Abstract] [Free Full Text]
Tao He, Fei Li, Jin Gu, Ruiqiang Li, Fei Li. Computational Identification of 99 Invertebrate MicroRNAs with Comparative Genomics. Tsinghua Science and Technology 2008, 13(4):425-432. [Abstract] [Full Text]
Xiaowo Wang, Jing Zhang, Fei Li, Jin Gu, Tao He, Xuegong Zhang, Yanda Li. MicroRNA Identification Based on Sequence and Structure Alignment. Bioinformatics 2005, 21(18):3610-3614. [Abstract] [Free Full Text]


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The latest from my year in pictures project…
Social Media Addict - Photographer - Mummy - Bad Housewife - Awesome
My Kids -
My first born son - Lero 17
My one & only daughter - Boo 7
My baby boy - Bugs 4
Read more here [About & Contact] or find me at the following places...
[Facebook] [Twitter] [Email] [Pinterest][Google+][ Bloglovin'][Blogpinner][Instagram]
In September this year I am doing Race for Life 'Pretty Muddy' and I need your help to raise some money for Cancer Research UK.
As usual every business or blogger that sponsors me will get their badge or link put on my sponsors page until the end of the year, so the sooner you sponsor me the longer it will appear :O) Email me at email@example.com with your badge/link once you have sponsored me and I will add it.
Please sponsor me now, even if it is just £1 - every penny helps xx
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Members of the Nevada Air National Guard are mourning the loss of Michael Landsberry - who served in the Marine Corps before joining the Guard.
"This is a painful day for the Nevada Air Guard. We've lost a valued member and the community has lost one of its true heroes; a teacher and a citizen airman."
Tuesday the Nevada Air Guard paused to remember Master Sgt. Landsberry who was killed when he tried to intervene in a shooting at Sparks Middle School.
Col. Burkett. "Our understanding is that Mike-- true to heroes' form-- made an attempt to talk the shooter out of using his weapon before becoming a victim of this senseless tragedy," says Col. Jeffrey Burkett.
Fellow Guard embers say they aren't surprised that Landsberry stepped in.
"When I first heard about an incident at Sparks Middle School, first thing I thought of was him," says Robert Garrett. "He was the guy that would have jumped in there to stop the bullets from hitting other kids and the story is, sure enough it was."
Master Sgt. Michael Landsberry was born on January 20, 1968, in Birmingham, Ala. He attended McQueen High School in Reno and graduated in 1986. He lettered four consecutive years in swimming, soccer and cross country. Upon graduation, he enlisted in the Marine Corps.
Landsberry received his associate's degree in Criminal Justice/Law Enforcement in 1996 from Truckee Meadows Community College and he earned a bachelor's degree in Elementary Education from the University of Nevada, Reno, in 2000. He also received a master's degree in education administration and supervision from the University of Phoenix in 2005.
In 2001, he enlisted in the Nevada Air National Guard and was assigned to the Aerial Port Flight.
His military training included the hazardous materials inspector course and automated load planning systems course.
Landsberry holds a regional license and membership with the National Soccer Coaches Association of America.
Landsberry began working for the Washoe County School District in 2001. He taught history, math and science for four years at Trainer Middle School.
He spent one year teaching sixth grade at Greenbrae Elementary School and in 2006 he started teaching math at Sparks Middle School.
Throughout his tenure as a teacher, Landsberry served as a coach in his community. He coached middle school basketball, cross country, track, volleyball as well as high school soccer.Landsberry was the Nevada Air Guard's noncommissioned officer of the quarter for the first quarter of 2010 and Aerial Porter of the Year for 2009.
Landsberry deployed in March 2006 to Camp Arifjan, Kuwait, and performed duties as an airlift validator for the Central Command Deployment and Distribution Center. He deployed again to Bagram Airfield in Afghanistan in May 2011 where he performed air transportation functions for the 455th Expeditionary Aerial Port Squadron.
His military awards include: the Air Force Commendation Medal, the Joint Service Achievement Medal, the Air Force Achievement Medal, the Navy Achievement Medal, the Air Force Outstanding Unit Award, the Marine Corps Good Conduct Medal, the Air Reserve Forces Meritorious Service Medal, the National Defense Service Medal, the Afghanistan Campaign Medal, the Global War on Terrorism Expeditionary Medal, the Global War on Terrorism Service Medal, the Sea Service Deployment Ribbon, the Air Force Expeditionary Service Ribbon, the Air Force Expeditionary Service Ribbon, the Navy Arctic Service Ribbon, the Air Force Longevity Service award, the Armed Forces Reserve Medal, the NATO Medal, the Nevada State Commendation Medal, the Nevada Humanitarian Service Ribbon, the Nevada Air National Guard Overseas Deployment Ribbon, the Nevada Meritorious Service Ribbon and the Nevada Guard Service Ribbon.
--Information compiled by Chief Master Sgt. James Ross, 152nd Logistics Readiness Squadron
KTVN-TVPhone: (775) 858-2222Fax: (775) 861-4298
Mailing Address:4925 Energy WayReno, NV 89502


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Home > Highway Safety Branch > Media Files > News Release Page > News Release
KSP Highway Safety Branch
Sergeant Michael B. Webb
Kentucky State Police
Public Affairs Branch
Office (502) 782-1780
KSP Highway Safety Branch News Release
Six Die On Kentucky Roadways Last Week (Jan. 2 through Jan. 6)
Date of News Release: 01/07/13
(Frankfort, Ky.) -- Preliminary statistics* indicate that six people died in five separate crashes on Kentucky's roadways from Wednesday, Jan. 2 through Sunday, Jan. 6, 2013.
One double-fatality motor vehicle crash occurred in Fleming County. One of the victims was not wearing a seat belt.
Two single-fatality motor vehicle crashes occurred in Jefferson County. The suspected use of alcohol was involved in both.
One single-fatality motor vehicle crash occurred in each of the following counties: Lincoln and Ohio. The victim in Lincoln County was not wearing a seat belt and alcohol was involved.
Through Jan. 6, preliminary statistics* indicate that six people have lost their lives on Kentucky roadways during 2013. This is 2 less than reported for this time period in 2012. Of the six motor vehicle fatalities, two victims were not wearing seat belts. A total of three fatalities have resulted from crashes involving the suspected use of alcohol.
More information about Kentucky crashes can be found on the KSP website at http://www.kentuckystatepolice.org/tip.htm.
*These statistics are still preliminary as KSP waits for all local law enforcement agencies throughout the state to report any crashes and fatalities that may have occurred in their areas. Crash data for this report is generated from the Kentucky Fatality Analysis Reporting System (FARS).


text: Welcome to Simple Pleasures! Simple Pleasures Ice Cafe manufactures homemade ice cream daily on the premises and serves delicious cakes, pies, cookies, torts, and pastries that are prepared onsite. Simple Pleasures also serves soups, sandwiches, and salads daily in their cafe. Free WiFi is available. If you are looking for a place to take a date, host a meeting or tea party. Look no farther we create memories with our special services. In addition, to their homemade ice cream and food items this quaint cafe serves gourmet teas and brews Zeke's Coffee. Business days and hours: Thursday-Friday 12:00 pm-8:30 pm Saturday 11:00am-8:30pm Sunday 11:00am-8:00pm Closed Monday - Wednesday


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This was what the world was like for a half century, anyway, and buying a home was like a "guaranteed" path to wealth, retirement surety, and HEA (Happily Ever Afterness).
Then the gravitationally challenged (we don't say "fat" at Shmoop, a word we do not think is very "phat") lady stopped singing.
Do you care? You oughta.


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42 U.S. Code § 292w - Procedures for appeal of termination of agreements
In any case in which the Secretary intends to terminate an agreement with a school under this subpart, the Secretary shall provide the school with a written notice specifying such intention and stating that the school may request a formal hearing with respect to such termination. If the school requests such a hearing within 30 days after the receipt of such notice, the Secretary shall provide such school with a hearing conducted by an administrative law judge.
Source(July 1, 1944, ch. 373, title VII, § 727, as added Pub. L. 102–408, title I, § 102,Oct. 13, 1992, 106 Stat. 2020.)
Prior Provisions
A prior section 727 of act July 1, 1944, was classified to section 294 of this title prior to the general revision of this subchapter by Pub. L. 102–408.
Another prior section 727 of act July 1, 1944, was classified to section 293g of this title prior to renumbering by Pub. L. 94–484.
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
|Description of Change
|Session Year
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|Statutes at Large
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is a family run business at Kalami Bay, at Corfu Island. It offers a friendly and relaxing atmosphere, which achieves a beautiful balance of comfort and style.
The comfortable studios and apartments offer ideal accommodation for both families and people of all ages. Small children have fun in the playground, while teenagers love the fact that their friends return every year and they have company of their own age. It's also a lovely hideaway retreat for couples, especially in spring, early summer and autumn, with wonderful walks in the vicinity.
There can surely be no better way to unwind, than to potter about in boat, drop into a small cove for a long and lazy meal, or relax at the end of the day with a drink on the upper pool's spacious terrace enjoying almost an aerial photo view of the north east coast, the traditional village Kalami, the beautiful pebble beach and the crystal clear Ionian sea. One can have our hotel as a starting point to enjoy wonderful routes along the seaside, exploring the natural beauties and discovering deserted bays and coves with their inviting translucent waters. Small boats and speed boats can be booked at the reception. Water sports are also available to our clients.
The day and night lower pool bar, is the hotel's heart. There, you will always receive a warm welcome by Starvos, who is also in charge for the various activities that take place almost every night, such as quiz, karaoke, music and Greek dancing. The highlight is the well known to our repetitive clients 'Greek night'. In a cosy and recently refurbished environment, by the pool or under the olive trees, we serve delicious salads, sandwiches, coffee, drinks, cocktails and fruit juices. Our cuisine includes traditional tastes for our clients to try, such as traditional dishes and sweets, ice cream and home made breakfast.


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The Resource Management Department integrates key operations in the acquisition, description, and management of library materials in all formats that meet the needs of the Marquette community. It also shares responsibility for investigating, advancing and promoting new models of scholarly communication, including such issues as copyright, fair use, open access, author rights, research data management, and the economics of scholarly publishing.
The goals of the Resource management Department are to:
The Department is comprised of three units -- Acquisition and Discovery Services, E-Resource Management, and Digital Programs – as well as the coordinated efforts of subject liaison librarians.
Acquisition and Discovery Services is responsible for acquiring and preserving information resources in all formats for the Raynor Memorial Libraries. The unit also catalogs, describes and provides metadata for all Libraries resources in order to make them accessible via the Marqcat catalog, the discovery interface, and other online interfaces.
Ann Montez
The Digital Programs Unit is mainly responsible for the preservation and dissemination of Marquette's research output. Staff are responsible for recruitment of faculty and student work for deposit into e-Publications@Marquette, the university's institutional repository. e-Publications was established in 2008 and includes faculty publications, student theses and dissertations, journals, as well as other materials. Forays into digitization of special collections, preservation of research data, and digital humanities projects round out the work of Digital Programs.
Rosemary Del Toro, Coordinator
E-Resource Management is responsible for facilitating and managing access to electronic information resources for the Marquette community. It is involved with all aspects of e-resources, including acquisition, licensing, payment, cataloging, access, renewal, usage statistics, and vendor communications.


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Today I'm chatting with Lorie O'Clare author of Hot Pursuit
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Lorie is the recipient of an EPPIE and Romantic Times Reviewers' Choice Award winner.
Here's praise for her previous work;
"Action-packed thriller...never slows down."—Genre Go Round Reviews on Run Wild
"A spellbinding story. Excitement and intrigue fill the pages."—Singletitles.com (4 Stars) on Run Wild
"A sizzling fun read. It will keep the reader engaged with its saucy romance and mysterious plot."—Joyfully Reviewed on Run Wild
"Another exciting, fast-paced and very hot read from Lorie O'Clare."—Sensual Reads (4 stars) on Stay Hungry
Lorie, welcome to my blog.
Hi Debby, thanks for having me. I love how you post facts about this day in history. Those are so fun to read.
Tell us about your latest novel Hot Pursuit.
HOT PURSUIT is my latest bounty hunter book. There are four main characters. Ben Mercy works for KFA (King's Fugitive Apprehension). We met the other bounty hunters who work for KFA in previous books. Ben takes his Harley to northern California in search of an assassin who is on America's Most Wanted list. This assassin also happens to be a good friend of Ben's.
Now Ben wouldn't have decided to hunt down the assassin. He knew his friend was in hiding and probably would never be found. But a problem arises. Wolf Marley, a bounty hunter not associated with KFA, arrives and is willing to go to any extreme to retrieve the million dollar bounty on the assassin's head. Ben is willing to do whatever it takes to make sure Wolf doesn't find the assassin.
We end up with two bounty hunters traveling to a small fishing community in northern California, a town called Zounds, because all clues indicate this is where our assassin is hiding. Ben and Wolf search everywhere for the assassin. Neither one of them expect to find women they fall in love with.
Quite often, with romance, we find our soul mates when we aren't looking. That is what happens with Ben and with Wolf. Of course our assassin (by the way, his story is SLOW HEAT, which released last November) only makes an appearance when his friend, Ben Mercy, needs him the most.
HOT PURSUIT is full of steamy sex, is very action packed, suspenseful, and was so fun to write! You can read the first chapter of HOT PURSUIT, and the first chapters of the other bounty hunter books, at my website – www.lorieoclare.com.
This is a novel in your Bounty Hunter series.
Are there a planned number of novels in this series?
There are six bounty hunter books. PLAY DIRTY, GET LUCKY, STAY HUNGRY, RUN WILD, SLOW HEAT and HOT PURSUIT. I won't ever say there won't be other bounty hunter books, but for now, this is the series.
If you read these books in order, you see the world they are set in develop. This isn't the type of series where you need facts from previous books to fully understand the next book. Each bounty hunter story is about one of the people employed at KFA. They each have their own adventure. As each book begins, we learn about our hero, or heroine, and enter their life just as they are about to fall in love. Of course, with a bounty hunters line of work, danger wraps around their soul mate, making for quite a story.
You have over 60 novels published.
Can you tell us how your life as an author began?
I think I was about six. I have spiral notebooks written in block print and in pencil of stories I wrote as a young girl. They will never see the light of day. LOL. I put Jane Austen to shame. There are sentences that are one page long. No plot. No dialogue. But I had to write, so I did.
Hopefully, you'll see how my skills have developed since then. I've been writing all my life and hope to continue until I die.
As far as when did my life as a published author began, it was in 2003. I had submitted manuscripts, I think, to every publisher I could find—and had enough rejection letters to fill several three ring binders. Back then, submissions were done by printing the manuscript and mailing them to the publisher. There was usually a six month wait for a response, and not every editor bothered responding.
I had just learned how to use my first home PC and had discovered an on line world of writers, aspiring writers (that was me at that time) and those who wanted to be cover artists, publishers, as well as all aspects of the business. I made friends, shared success stories as well as failures, and slowly learned the business.
In October of 2003 my first book, PACK LAW, the first lunewulf book was released by Ellora's Cave. Over the next five years I put out almost a book a month with Ellora's Cave until I contracted my first book with St. Martins.
I'm blessed to lead the life I live. I write all day and live in the worlds I create. I couldn't ask for it to be any better.
When you sit down to write do you follow certain customs, have a set time or place to write?
I always think the answer to this question is no. I don't acknowledge a set time, or place when I write. But then I sat here and thought about it for a moment. My laptop is on my desk in my bedroom. My bedroom is set up so that it's very airy, especially with Spring settling in. My surroundings have to be "in order" as my mind's eye sees it so that I'm not distracted when I write. It dawned on me that I have made my bedroom into my perfect muse sanctuary. So I guess, yes, I do have a certain place where I write.
Then I thought about a specific time when I write. Again, I'm inclined to say no. I write when I know what to write. I can't just sit down and force words out of me. (Wish I could.) But once again I sat here and thought about it. Once I start writing, I get really grouchy if the story is flowing out of me and I'm interrupted. I've always been this way. Being a single mom who raised three boys, interruption becomes a way of life. When they were younger I wrote while they were in school. Now, I'm up at five AM every day of the week and usually write until noon. My boys are out of school but not quite out of the house. They work nights, stay up late, and sleep all morning. I've adjusted my writing time over the years to write when it's quiet and I won't be interrupted.
Now as for the certain customs, I can't think of any. I guess the only one might be, I write when it's time. What I mean by that is, once the story is formed, when the characters are ready, I sit and type out their story.
In addition to genre romance you also write erotic romance for Ellora's Cave.
Erotic romance has really "come of age" and out of the brown paper bag if you will.
What do you most attribute this to?
When I only wrote for Ellora's Cave I might have said it was the ease in which an e-book could be purchased and read. With e-readers growing in popularity (my phone came with a Nook application. I read books off my phone.) and being so affordable, so many more readers are reading without paper. However, once I started writing for St. Martins, I can no longer say that is true.
First I must clarify something. The books I write for St Martin's are as sexual as the books I write for Ellora's Cave. With that said, I sell more paperbacks at St. Martin's than I do e-books. My e-book sales there are growing but paperback/hardback still are higher in sales.
I think erotic romance is "coming of age" because our society is more accepting when it comes to reading sex, violence, and anything of a graphic nature. We want everything more extreme. And so that is what we get.
Now with all that said, I don't read erotic romance. I just write it.
Lorie, thank you so much for connecting with us today and good luck with your new novel and all your future ones too.
Be sure and visit MY BLOG for a sweet something extra
visit my blog The Reading Frenzy
Or My FaceBook Page
Or Follow Me on Twitter Or Here The Reading Frenzy Twitter Feed


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With the sunrise, Midwest Balloon Rides' hot air balloons slowly rise into the morning sky for sprawling views of the Indiana landscape. They also take off at sunset, but no matter what time their kaleidoscopic balloons enter the wild blue yonder, a licensed pilot is at the helm. They gently navigate the vessel to ensure a safe journey that doesn't end up somewhere over the rainbow but back on the ground for a ceremonial toast to celebrate the occasion.
Ferguson Hardware has been helping do-it-yourselfers spruce up homes and beautify gardens for more than a century. Banish closet clutter or marauding garden weeds to a 32-gallon black trash can ($21.49), which can double as a handy holding place for a 32-day supply of vintage milk. Handy customers can organize screwdrivers, wrenches, and hammers in a Stanley toolbox ($13.99), soothe crying hinges with an 8-ounce can of WD-40 oil ($2.99), or woo a lonely mail carrier with a Step 2 mailbox specially designed to attract attention for its durability and taste in shoes. A professional-grade driveway sealer keeps tricky asphalt from escaping the confines of driveways ($17.49), giving customers the freedom to roll out one of Ferguson Hardware's wide selection of Weber grills for a driveway barbecue.
State-registered and certified exterminators from Magnus Pest Management deftly and discretely remove unwanted pests such as termites, rodents, roaches, and bed bugs from residential and commercial properties. When faced with an infestation of termites, the team employs both conventional liquid treatments as well as advanced baits to end their reign of terror. With larger pests, such as raccoons, birds, and that one nosy kid next door, the team safely removes them from the premises and transports them back to their natural habitat.
Run Pest Control's technicians keep buildings both safe and free of pests while staying up-to-date on industry advances. The undesirable critters they target range from insects—such as cockroaches, bed bugs, and termites—to food-stealing rodents and roommates. To rid homes of such nuisances, the technicians take a three-step approach. After thoroughly inspecting problem areas, they classify the types of pests present and design custom integrated pest management systems. Then, once the small monsters have been thwarted, they help customers take steps to prevent future infestations, clean up messes, and repair damages caused by barbarian mice.


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i can't make it on the mobile :/
I thought youwere making it?
Hello :)
ik i'm excited well we are now on summer break so i will make one monday :3
I like it haha but the music scared the hell out of us xD
Haha ik she's sittimg next to me lol
i like that :)
Sure! I'd love to!
cool. i joined.
Cool! I mean, the RP part, not the part where she can't get on. ^_^
Idk just a suggestion :3
Hey! You really didn't know that Anne and I are cousins? That's kind of funny.
Oh! Cool, I'll join ASAP and message you when I do. Whats ur user?
Hmmm reversed?
Jackie like Mark and I like Jay so you choose lol um sure on the rp haha
lol sorry. :) Hey boy. I missed you. And you do?
girl i missed you! Hey, while you're on will you check out my rp or spread it around?http://thetwilightsaga.com/group/roleplayretry/forum/topics/na-na-na-a-killjoy-rp-open?xg_source=activity
Cool! :D
i love it :3
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text:
A very nice product.
Attwood 2-Bow Bimini Frame with White Vinyl Top
Item # WX2-118958
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This item is shipped directly from the factory. To see the expected shipping date, please add to your Shopping Cart. Sorry, no express shipping available. We are unable to ship factory direct items to Alaska, Hawaii, Puerto Rico or APO or FPO addresses.
- Details & Specs
Attwood 2 Bow Bimini Boat Top Frame with White Vinyl Top.
Model A:
- Sturdy 7/ 8 "diam. frames have multi-bow construction for strength and rigidity
- Main support legs have double-wall aluminum tubes for even greater strength
- Denim-backed vinyl tops are economical, completely waterproof and easy to clean
- All mounting hardware is included.
- Width: 53" - 63"
- Height: 42"
- Length: 66"
- Width: 63" - 73"
- Height: 42"
- Length: 66"
State Model, as available in the Shopping Cart. Order ONLINE Today!
- Reviews
Customer Reviews
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Attwood Deluxe Boat Cover Support SystemBuyer's Club $31.49 Non-Members $34.99


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Current Weather
Panama City Beach Seafood & Music Festival
Enjoy great seafood, and some of your favorite bands including: The Band Perry, Blues Traveler, Foghat, & The Outlaws.
Resort Collection Rewards
Upon check-in, all guests of Resort Collection receive the Resort Collection Rewards Dining and Activities Card.
Free Round of Golf
Book and stay by 12/31/2014 and you'll receive one FREE* round of golf at Hombre Golf Club.


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delivered as promised on time and free/UPS sweet By scottp on 9/11/2014scottp would recommend this product to a friendStill in the process of configuring everything but it is a very well developed product for those who like to keep it simple and straight forward.
Great stuff By oquockyo on 6/25/2014oquockyo would recommend this product to a friendOnly isssue i wish they had in the instructions was to dose each part at different time of the day. Ended up having a mess in my sump.
Overall still Excellent
great By alfredo on 5/19/2014alfredo would recommend this product to a friendexcellent solutions easy to mix and keeps corals happy!!
Best Doser By Tom F on 5/5/2014Tom F would recommend this product to a friendOnly 2 part dosing I would consider buying. Came highly recommended from successful reefers. Definitely priced well and better than dealing with the alternatives.
Good product By galindoreef on 4/6/2014galindoreef would recommend this product to a friendExelent way to maitain calcium level and the reef calculator is incredible when you try it you well see what im tallking about
Daily dose By Stacy on 3/5/2014Stacy would recommend this product to a friendEasy setup, saves time,
Great way to get started with two part By Stacey on 3/4/2014Stacey would recommend this product to a friendFiguring out dosing can be a little overwhelming, what equipment, what product. This kit from BRS gets you off and running quickly and the online calculators make dosing up and getting things inline much easier.
Good mojo By Jay on 2/22/2014Jay would recommend this product to a friendNew to SPS and this is the best way to step it up! highly recommend.
good product By gone fishin on 2/13/2014gone fishin would recommend this product to a friendThis kit comes with everything you need to start dosing. I would recommend watching the video online to help clear up anything.
Must Have By Andrew on 1/28/2014Andrew would recommend this product to a friendI think that this is a must have product after using this for a couple months. The thing I love about this is I can leave for a week and not worry about dosing my tank. It is all taken care of. It takes a little fine tuning to get it dialed in but is totally worth it. This kit keeps my take parameters stable.
View Larger Map 6325 Sandburg Road, Suite 400, Golden Valley, MN 55427


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Abused by a debt collector?
You may owe money, but you're not required to pay with your dignity.
This post comes from partner site Money Talks News.
Owing more than you can pay is bad enough. Being badgered, hounded and abused by a debt collector can make your life a living hell.
But if you ever find yourself harassed by dozens of phone calls daily, here's something you should know: You don't deserve to be treated like a doormat. Nor should you tolerate it. And if your legal rights are being violated, you might qualify for free legal help to make it stop.
The Fair Debt Collection Practices Act stipulates what third-party debt collectors can and can't do when trying to collect. In 2009, the FTC received almost 120,000 complaints about third-party debt collectors, an increase of nearly 50% from 2008. The two most common issues cited were phone harassment (34.7%) and obscene, profane or abusive language (13.5%), both violations of the law.
What should you do if you're being bullied? First, meet someone who took the bull by the horns: Michelle Vizzini. This Philadelphia woman woke up one morning to find her bank account frozen by a debt collector for a 13-year-old debt she says she doesn't owe. Watch the short video below, then meet me on the other side for more.
Michelle found help by following the advice of attorney Craig Kimmel. To recap his general advice for dealing with a debt collector:
- Validate the debt. You have 30 days after being contacted by a debt collector to write a letter requesting verification of the debt. Not doing so right away allows the collector to place negative information on your credit report. Download a sample debt verification letter.
- Write a cease and desist letter. You can tell the collector not to call or write you. Download a sample cease and desist letter.
- Talk to a consumer lawyer. Become predator rather than prey. Ask for free legal help and let the attorney collect his or her fees from the debt collector.
According to Kimmel, if a debt collector violates the Fair Debt Collection Practices Act, they're liable for damages, which could include money and payment of legal fees. So if that debt collector is breaking the rules, they'll ultimately be paying for your lawyer. And you don't have to pay a dime upfront to find out. You can get a free consultation with a lawyer and explain what's happening, and based on your responses he or she may agree to represent you without charge. You've lost nothing by talking to them.
Also, keep in mind that this free legal representation has nothing to do with whether or not you owe money. It's all about whether someone is breaking the law trying to collect it.
What's legal and what's not when it comes to collecting a debt? The list is in black and white in the actual law (.pdf file) and on the FTC's Web site.
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
- Use threats of violence or harm.
- Publish a list of names of people who refuse to pay their debts (but they can give this information to the credit- reporting companies).
- Use obscene or profane language.
- Repeatedly use the phone to annoy someone.
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
- Falsely claim that they are attorneys or government representatives.
- Falsely claim that you have committed a crime.
- Falsely represent that they operate or work for a credit -reporting company.
- Misrepresent the amount you owe.
- Indicate that papers they send you are legal forms if they aren't.
- Indicate that papers they send you aren't legal forms if they are.
Debt collectors also are prohibited from saying that:
- You will be arrested if you don't pay your debt.
- They'll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so.
- Legal action will be taken against you, if doing so would be illegal or if they don't intend to take the action.
Debt collectors may not:
- Give false credit information about you to anyone, including a credit-reporting company.
- Send you anything that looks like an official document from a court or government agency if it isn't.
- Use a false company name.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
- Try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt -- or your state law -- allows the charge.
- Deposit a post-dated check early.
- Take or threaten to take your property unless it can be done legally.
- Contact you by postcard.
Although you have rights under the law and potentially free help to enforce them, being in the sights of a debt collector isn't a fun experience. If at all possible, avoid it. Here are some tips that might help:
- Avoid collectors by dealing directly with the creditor. Try to work out a manageable payment plan.
- Find a reputable credit counseling agency. They will help you come up with a budget and make payments. Check out this story we did on credit counseling.
- Keep copies and records of all your debts. If a question ever arises, you'll be ready.
- Whenever you're in a conflict over a debt (or anything else that involves a potential battle) record conversations (if it's legal where you live) and take notes: names, dates, times, subjects, what was discussed. This information could prove vital in any dispute.
- Get everything in writing, especially any agreements you make. This will help avoid misunderstandings over how much you're supposed to pay and for how long.
- When corresponding, use certified mail.
Bottom line? As I said in the news story above, I'm the last one to suggest you shouldn't pay your bills. You should. And if you can't, you should get help, hopefully well before debt collectors start harassing you. But no matter what your situation, owing money doesn't require payment with your dignity.
And for those of you who will respond to this story with some variation of "dead beats get what they deserve," here's another story you can check out from a few years ago: In this one, a guy who lost his business was told by a debt collector, "You're not a man, how can you take care of your family?" Watch the 90-second story here.
Related reading at Money Talks News:
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Roswell police said officers found the two brothers from Suwanee who were the subject of a nationwide Amber Alert. They were found unharmed in Austin, TX.
Roswell police requested the nationwide alert after discovering that the father, Daniel Cleary, a Roswell resident, had violated a court order by not communicating for several days with his ex-wife about the location of their children. He failed to return them to their mother's home on Wednesday.Theresa Nash had last heard from her two sons, Henry Cleary, 7, and Ben Cleary, 9, when they were in Tennessee. "They were going on a trip there - that's where they called me from. And said they were going there to a hotel for an evening. And then when they were supposed to return home, they never returned home," said Nash.
The children and their father were spotted on surveillance video on Dec. 23 and 24 at a Walmart in Chattanooga, TN.
Daniel Cleary was supposed to return the boys to their mother at 2 p.m. on Dec. 26, but he didn't.
Nash went to Daniel Cleary's house that day and found no one home. She said his home had been cleared out.
Investigators believed that the boys were in extreme danger.
"He bought a Glock a month ago," said Nash. "He is drinking. He is under extreme stress because he probably realizes that he's kidnapped the kids and there's now an Amber Alert."
Saturday afternoon, a citizen recognized the Cleary brothers from the Amber Alert at the Crossland Economy Studios located on Hymeadow Drive in northwest Austin. That person called 911 at 5:11 p.m. CST. When officers arrested Daniel Cleary at the hotel, he was carrying a handgun and a large sum of cash according to Cpl. Wutnipong Tantaksinanukij of the Austin Police Department.
Nash's one wish will apparently come true. She told CBS Atlanta News that she wanted to see her boys come home safely. She says there's a present waiting for them when they do.
"Santa Claus brought them an Xbox 360 and they have begged all year for that and I told them no. It's waiting under the tree so you need to come back soon because you're going to be out of your mind with excitement," said Nash.
Copyright 2012 WGCL-TV (Meredith Corporation). All rights reserved.
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Don't Miss
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Beats Studio Wireless Series
It's hard to envision a single broad usage model for Logitech's new Bluetooth Illuminated Keyboard K810. Here's how Logitech describes it: "A stylish, backlit keyboard with one-touch easy switching between your PC, tablet, and smartphone."
I don't suspect many people wish they had a keyboard handy to swap between those three particular devices, but Logitech is nonetheless onto something with the K810.
I can imagine using this keyboard primarily with a tablet. I can see swapping it between a tablet and a desktop, or perhaps among multiple tablets. It would even make a great living-room keyboard thanks to its tidy, unobtrusive design.
Regardless of its intended use, anyone who buys the K810 will pay a lot for the privilege, given the $99.99 price tag. Those who make that commitment will at least get to enjoy a well-made, attractive piece of hardware. They might even take advantage of its device-swapping capabilities.
Logitech seems to have almost directly targeted
The K810's keys feel a touch springier than Apple's. Apple's keyboard also uses two AA batteries, while Logitech's relies on charging via an included Micro-USB cable. Logitech says a single charge will last 10 days, which you can extend if you use the on/off switch.
Logitech's keyboard also has a dedicated Windows 8 key, in the same place where you'll find the Option key on Apple's keyboard. Regardless of any OS-specific features, though, both keyboards will work with any contemporary device equipped with a Bluetooth receiver. I successfully connected it to computers running OS X, Windows 8, and Windows 7, as well as multiple iOS devices, an Android-powered smartphone, and a PlayStation 3.
The fact that the K810 is backlit is significant. Apple's keyboard is not, and neither is Microsoft's new
The motion sensor automatically toggles the lighting power when you move your hand to the keyboard. Another sensor measures the ambient light level, and adjusts the backlight brightness accordingly. You can also adjust the light output up or down manually via a set of function keys. When you stop typing for a few seconds, the backlight shuts down.