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Chase Archive
Big Banks Promote Apple Pay Partnership
Prior to the introduction of Apple Pay, banking partners are already heavily promoting the payments partnership in digital media.
Banks Gain Marketing Edge by Building Mobile Apps for Home Buyers
Banks are rolling out free mobile apps that help consumers find new homes so they can market their mortgage loans from Day 1.
Consumer Loyalty in Banking Pays Big Dividends on Sales Growth
The difference in uptake of banking products between loyal customers and everyone else is a whopping 14 percentage points.
Angry Big Bank Customers Could Put $230 Billion In Play
The ten largest retail bank brands in the U.S. stand to lose a combined $92 billion in deposits next year. Smells like opportunity for everyone else.
Checking vs. Prepaid Cards: Threat or Opportunity?
Many banks worry prepaid will cut into their checking business. Some are diving in, while others are sitting on the sidelines, unsure how they want to play the game.
Banks Make Customer Experience Gains, But Credit Unions Are Crushing It
The banking industry has steadily improved their customer service and satisfaction scores over the last three years, but credit unions are way in the lead.
Best of the Web: OWS Controversy, Deposits Soar, Mobile Forecasts
Bank lands in hot water over Occupy imagery in ads… Deposits outpace loans by $2 trillion… The future of mobile banking… 35 more headlines.
Banks Fearing Scrooge Image Halt Evictions For Christmas
Most large banks have announced -- and rather publicly -- that they are halting foreclosure evictions for the holiday season. A gesture of good will? Or an awkward PR play?
Best Of The Web: USAA | Top 5 Trends | Cafe Crazy | iPhone Apps
What makes USAA unique… Top 5 retail banking + tech trends… Capital One goes crazy with new cafés… Top 20 financial apps… Forty headlines in total!
Chase To Issue Debit Cards Instantly In Branches
New customers will be able to get their debit cards -- and current customers can replace lost cards -- on the spot in 2,000 Chase branches. Are you still making folks wait 5-10 days?
Direct Marketing Clinic: Chase Mailer Pros & Cons, Tips & Tricks
This case study dissects a Chase Bank direct mail piece -- everything from the offer to design. Want to hide your long, ugly disclosures? Try this cool coupon trick.
Best of The Web: Bank 3.0 | Mass Affluent | Superstorm Sandy
Banks struggle with Bank 2.0 as version 3.0 rolls out... Mass affluent an elusive target for banks... Banks use social during Superstorm Sandy... 46 headlines total!
In Brief: Pie Promo | Branch Debate | Social Media Strategies
Northwestern Bank offers pies for accounts and loans... Industry leaders discuss the fate of branches... Case studies and social strategies in banking... 35 headlines total!
In Brief: BofA's Radical Patents, PFM Is Dead, Gag Order
BofA patents give glimpse at mobile video's radical future… PFM faces challenges… BofA makes social media silence condition on couple's refi… Plus 32 more headlines.
Consumers Confused By Checking Disclosures Riddled With Landmines
It takes 2+ hours to read the average bank's checking account disclosure form. But banks and credit unions can cut it down to 1-2 pages. If BofA can do it, so can you.
Chase Tops Big Banks In Harris/Google Customer Satisfaction Study
59% of Chase customers say they are "satisfied" or "extremely satisfied," compared to Citi at 55%, BofA at 48% and Wells Fargo at 47%.


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Welcome International Customers
We're excited to share our jewelry collection with you!
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We're excited to share our jewelry collection with you!
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Diamond Diamond: The hardest and most brilliant of all gemstones, a diamond can make the heart race with its pure and fiery spark. An ancient symbol of love, a diamond is the preferred gemstone for tokens of affection, such as rings, earrings, necklaces and bracelets. Diamond is the birthstone for April. (Quantity: 77, Shape & Cutting Style: Round Brilliant, BRILLIANT: A gemstone cut to enhance brilliance without sacrificing much carat weight. Typically has 58 facets. Color Grade: H-I, Clarity: SI1-SI2, Weight: 1.50 ct. t.w.)
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1.30 ct. t.w. Diamond Shooting Stars Necklace in 14kt Two-Tone. 18"
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subset: commoncrawl


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Commend - Security monitoring web app
About the client
Commend develops and manufactures security and communication systems for protection of people, buildings and valuables. Rescue forces, fire brigades, police and various security companies, as well as hospitals and nursing homes rely on their products.
The Challenge
Develop information architecture, interaction design and visual design for the ComWIN – Control Desk Visualization, a single-point management centre for intercom systems and building infrastructure such as lights, doors and ramps.
The Solution
The main requirement was the ability to drive the user's focus to certain events as they occur; for instance someone calling from the parking lot intercom. The product reacts by removing all distractions and bringing up the feed relevant to the event in question. We also improved the interface, making it easy to understand and simple to use, even on mobile devices.
The Result
All the native functionality of the product has been kept and the improved UI enabled new options to be developed. At the time of writing this project is still in its early stages, so we will have to get back to you on progress.


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And you can dance…For inspiration
Katie's "Look for Less" top picks
Dictionary.com defines inspiration as a divine influence directly and immediately exerted upon the mind or soul. My definition of inspiration is…people watching. I could spend hours sitting on a bench in Bryant Park examining people's fashion choices. This pursuit either enables me to put outfits together which create my most stylish self or helps me to discover exactly what trends to stay away from!
As I've become older and wiser, I can't help but notice that the latest fashion trends are not inventions of a brand new product, rather the recycling of an older style with new appeal. Not only do they borrow from vintage designs, fast fashion retailers also draw inspiration from their name brand counterparts. The process is as follows…luxury brands come up with world-class designs and then large retailers politely copy them.
Below are my favorite inspiration pieces, also known as "knockoffs." My mom always says, "Imitation is the highest form of flattery."
My weekly fashion advice — Always vet your vintage. While fashion does repeat itself, there are usually subtle design tweaks that make any revival slightly different from the original. Does that piece from your "archive" really work now? Ask a friend for their opinion or visit Refinery29 for some tips and tricks!
"Over the years I have learned that what is important in a dress is the woman who is wearing it."
— Yves Saint-Laurent
-Click images to shop-
Valentino vs. Forever 21
$695.00 – Valentino – Rockstud Ballerina Flat
$24.80 – Forever 21 – Studded Faux Leather Flats
Equipment vs. Forever 21
$356.37 – Equipment – Mina Sleeveless Silk Shirt with Lace Panels
$19.80 – Forever 21 – High-Low Lace Panel Shirt
J.Crew vs. Joe Fresh
$225.00 – J.Crew – Collection Cafe Capri in Hummingbird Floral
$29.00 – Joe Fresh – Slim-Fit Sateen Pants
J.Crew vs. Old Navy
$198.00 – J.Crew – Lady Jacket in Blue Tweed
$30.99 – Old Navy – Women's Boucle Cardi Jacket in Goodnight Nora
J.Crew vs. Sole Society
$128.00 – J.Crew Beaded Rose Necklace
$60.00 – Sole Society – Oversized Floral Neckalce
Copyright © 2014 Pure Forme NYC


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Chuy's Spanish Inn
Chuy's Spanish Inn information
Hungry? Stop off for a little Tex-Mex at Chuy's Spanish Inn . It's right on the highway, so you can't miss it. Chuy's has earned a place in 'Madden's Haul of Fame,' so named by US football broadcaster John Madden. Because he won't fly, the well-traveled Madden spends a lot of time crossing the US by bus, and this is one of his favorite restaurants.


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Share your comments
The wolf at twilight : an Indian elder's journey through a land of ghosts and sh
Nerburn, Kent
Adult Nonfiction E99.D1 D346 2009
Nerburn, Kent
Adult Nonfiction E99.D1 D346 2009
Summary: A note is left on a car windshield, an old dog dies, and Kent Nerburn finds himself back on the Lakota reservation where he traveled more than a decade before with a tribal elder named Dan. The touching, funny, and haunting journey that ensues goes deep into reservation boarding-school mysteries, the dark confines of sweat lodges, and isolated Native homesteads far back in the Dakota hills in search of ghosts that have haunted Dan since childhood. In this fictionalized account of actual events, Nerburn brings the land of the northern High Plains alive and reveals the Native American way of teaching and learning with a depth that few outsiders have ever captured.
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If you like the square-jawed look of the GM pickups of the '80s this 1987 GMC Sierra 1500 should check all the boxes: short... More
1955 GMC Stepside Pickup. Finished in beautiful Fire Mist Metallic Paint with a brand new Saddle Leather interior with alligator inserts. Powered by a... More
1951 GMC Stepside Pickup. Finished in Fresh Black Paint with a brand new Beige Leather interior. Powered by a 350CI V8 engine mated to... More
1947 GMC 100 5 window pickup in black primer. nearly finished or would make a great rat rod. running 350 sbc, 4bbl w/ th... More
1953 GMC 2 Dr 5 Window Pickup Truck5.7L. 4 Speed Automatic Transmission with OD. Fire Engine Red exterior. Custom grey cloth bench seat interior.... More
Good 1971 GMC 4x4 pickup truck. MAKE OFFER. For comparison, check here for NADA values: http://www.nadaguides.com/Classic-Cars/1971/GMC/C1500/1-2-Ton-Fenderside-LWB/Values Currently registered and driven once in a while as an extra vehicle. 350... More
As close to ``NEW`` as you will ever see !!!.... This 1988 GMC JIMMY K-5 ``SLE`` CLASSIC 2 dr. 4x4... More
What we are offering here is not your ordinary run of the mill 1989 GMC pickup. For starters it has a 1990 front... More
Up for sale in our Detroit showroom is this fantastic 1971 GMC pickup. These second-generation trucks are an improvement over the previous generation with... More
1997 GMC Sierra SL 1500. No accidents. 4.3L V6. Good condition interior. Dash is cracked. Everything works. Boss 20" wheels with Goodyear tires. Fully... More
If you thought this looked like a Chevelle, you were right! Well…kind of. This is the Canadian version of that model and is one... More
Desirable stepside pickup. Six cylinder engine, three speed manual transmission, factory Am radio, heater, rear window louvers, sun visor, dual outside mirrors, hubcaps with... More
Brighton Motorsports is proud to present this 1983 GMC Caballero PU. Very rare GMC version of the popular Chevy El Camino! Finished in Brilliat Black with... More
***2004 GMC ENVOY SLT SPECIAL EDITION*** ONLY 57,000 MILES!!!!! *LOW MILEAGE, INCREDIBLE INSIDE & OUT AND PRICED RIGHT! *ONLY 57,000 MILES* ONE OWNER* POWER MOONROOF* SPECIAL... More
1970 GMC 1500 ``Custom`` Regular Cab / Long Box 4x2 Full Size Pick-Up in Medium Metallic Blue w/ White Roof and lower quarter. A... More


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Somos Los Hackers!
Start the maker-year off by joining the first 2014 planning hangout for Los Hackers, LA's home-grown maker scouts, where all-ages earn badges while learning and making together.
For the next few months, until LA Makerspace settles in a permanent home, Los Hackers is going on the road. Join or rejoin us and help plan the upcoming meetings. We'd love your help in identifying making activities and suitable meeting locations for Los Hackers meetings. Can you help design badges? Lead or host a meeting? Is there a maker-related place in LA you've always wanted to visit and share with other makers?
Let's hang out together and build on the great start Los Hackers had in 2013!
Google Hangout, Monday, 6 January, 2014, 8PM.


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Holiday Celebration
Primary tabs
Saturday, December 14, 2013 - 3 p.m.
'Tis the season to join us in the MLK Children's Room for some great holiday family fun!
Celebrate the season with holiday crafts, games, and more.
Children, ages 12 and younger, and families are welcome to attend!
We look forward to seeing you!


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Author Archives: Margaret Fuhrer
Nifty Tip of the Day: Smile! You'll Turn Better
Not all of us are born with Gillian Murphy's innate turning ability. But if you're having trouble with your pirouettes, … Continue reading
There's a New Dance Clip Show in Town
Have you ever wished "America's Funniest Home Videos" were more…dance-y? Yes, you say? Well, your wish has been granted: ABC … Continue reading
Swan Lake Is Coming to a Theater Near You—Live, in 3D
Forget sinking ships and giant blue aliens. Director James Cameron has a new over-the-top movie project: Swan Lake. No, but … Continue reading
"Smash" Is Cancelled, and Yes, I Am Sad About It
The show's over for "Smash." NBC's Broadway drama was cancelled last week after two seasons. And while I know, given … Continue reading
NYCB's Jenifer Ringer on the Wonderful Dancing Dreams Program
Pretty much every little girl dreams of taking ballet classes. But for children with disabilities, the path to the dance … Continue reading
10 Dance-y Instagrammers to Follow
Instagram is basically a dance-lover's paradise. Dancers are all about visuals, so a photo-sharing app is our idea of a … Continue reading


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FAIRBANKS-Guess what Interior? The high school basketball season starts next weekend. I know already right.The theme across the across the state this year is that everything is wide open.
Here's a little preview of what's on deck for this season. Ladies first.
Some newness this year at West Valley. Jesse Craig takes over as the head coach replacing Steve Caciari.
The Patriots have a new coach too. Mason Campbell takes over the program after being an assistant at West Valley last season and a volunteer assistant at UAF.
Lathrop lost a lot after graduating Jasmine White and Erisha Talley, freshman Ruthy Hebard transferring to WestValley but head coach David Stewart is preparing a young team with experience this year to be competitive.
The Hutchison Hawks lost 3A player of the year Mimi Wood to graduation but return virtually all their players from their third place 3A state team.
The Eielson Ravens will look to be a threat with seniors Katie Browder and Larissa Franklin back.
The Monroe Rams will look to bounce back in the Aurora Conference this year after graduating six seniors.
We'll have team previews from the Interior girls teams as their first games get closer. We'll take a look at boys basketball tomorrow. Monroe, Eielson, Lathrop and Delta tip off next Saturday Dec 14.


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- Sanket Gupta
- Singapore
- Singapore
Design Engineer, Marvell Semiconductor
This conversation is closed.
How can a common man participate in "revolutionizing" education?
Having spoken in TED in 2006 about how schools kill creativity, Sir Ken Robinson returned in 2010 to urge everyone to revolutionize education. He said about how we take a "fast-food" approach to deliver educated products out of the system. However, in order to really use the enormous depths of human talent, we will need to take an "organic" approach to education. We need revolution and not evolution.
So, How do we actually achieve revolution? Are there any concrete examples of schools/ colleges which do not follow the "fast-food" approach? Are there ways in which a common man can participate in "revolutionizing" education?
I am sure this is a question which commonly haunts everyone among us. But, what we lack is a coordinated set of actions to make a change. How do we do it?
Showing single comment thread. View the full conversation.
Dec 17 2011: Hi. I hope you realize that your question's premise is sexist. You mentioned "man" only. After all the world conferences and world agreements advocating women's participation in all aspects of life, you still forget "woman" in your question. Try to include women in the equation on education (and include them in a very obvious way), and you'll get even more better answers to your question. :)
Showing single comment thread. View the full conversation.


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Is New Tech Better Than Olde Tech?
Everyone gets excited by the new toys when they come out and lord knows we are as guilty as any when it comes to tech cravings but is newer always better?
The answer is yes. End of article. Thank you for reading.
Ok, maybe there are some exceptions... and maybe the exceptions are more the rule.
Did you know that the Ford Model T got 22 miles per gallon back in 1908? Did you know that 22 miles per gallon is the average consumption for cars in 2009? Progess?
Everyone went gaga over the iPhone 4 but if you switched the chronology of the designs for the 3GS and the 4G so that the 3GS were the newest design, you might be just as excited. It's much more ergonomic, sleeker, gets what appears to be the same reception as 4g for most customers and doesn't have an external antenna that gets shorted by contact with the human hand. Sure, it doesn't have the wifi-only Facetime and double dooby-do cameras, but all of this tech is designed for a network that will exist in a few years when your phone is obsolete or broken.
Is classic design really to be left to antiques dealers or are we technically proficient enough to resurrect and keep using old tyme products indefintely? Change is the driving factor for Design, not improvement. Need more examples?
How about TV? For years we heard about how Plasma and LCD was such a huge improvement over CRT screens. This is sort of true in HD but for most lower rez content a CRT is STILL better. Harder on the eyes, certainly, but tubes recreate a softer, more viewable picture. Pixelation is something we have learned to live with because we like thinner, smaller footprint electronics, but it is a suspension of disbelief.
Analog vs. Digital audio. Oh boy, what a great topic... it comes up from time to time around here and often leaves people panting and frothing over pros and cons and whether we can tell the difference but honestly, can you really complain about the sound of a record? You can't put it in a portable device and ruin your hearing everywhere you go, but if you are willing to sit still for a while and just listen, vinyl can't be beat.
Even farming suffers from problems of efficiency vs. quality. When was the last time you had a truly great pear? Was it produced organically or what we call "conventionally", if you can believe the term usage?
Unplggd is a place where we celebrate the integration of tech and our lives but there is no defined formula for how that should be done. How have you balanced it in your lives? Any stand out stories of how your 80's boombox is still booming or your Razr flip phone is alive and kicking?
8 Comments
Ford's "Model T Facts" state that the Model T only got 13-21 mpg. Also, it was only 1200 lbs and had a top speed of 30mph. Not really comparable.
Thanks for the correction;)
I submit that weight and other specs are relevent to their times and can therefore be compared quite readily to our current situation- they same way we adjust for inflation in financial discussions. We have to travel much faster because we decided, on a mass scale, that it was desirable to do so. Our MPG remained basically the same because it was not important to change it.
Fair enough.
It really depends. My old Kenwood and Pioneer integrated amplifiers sound way better than anything you can buy new these days particularly for the money. This is also the same for kitchen appliances. They don't always seem to be better just because they're newer.
I will say just about everything new feels like it's designed with a limited lifespan compared to products of yesteryear. I swear BMW's last 5 years and then fall apart. My fathers 1931 Buick starts every time when it was driven regularly. Apples and oranges maybe...
I have a very simple philosophy: I keep stuff as long as they work. So I still have my old iPod from 2005, and a brand new ipad.
I'm perfectly happy just like that, not wondering if newer will be better, just wondering if the tech I own provides what I need.
I think my Razr had a hump to get over at two years. The battery started wearing out and the new battery would run down fast, no matter how long I charged it. For some reason the SIM card would go out or the phone just wouldn't accept calls (which was fixed by jiggling the SIM card). But after that whole "your phone's two years old and you can get a newer, shinier one from ATT for free" phase was over, it began working perfectly again. Not to mention those sturdy metal parts are aging mighty well.
I can certainly relate to this article. I have a Razr still, and it works fine. I listen to records on a 60's cabinet style player and it sounds great (actually gave away my cd player). I found a never used 1953 Hotpoint electric stove on Craigslist and besides being a great overall stove it can probably withstand a hand grenade going off in the oven. I also drive a 63' AMC Rambler that gets about 27 MPG give or take.
I completely agree with some of the other commenters here, many of todays goods are produced with an expiration in mind.
I hope I can get a shorter comment next time from you, it will make it much easier to respond to. I think you are taking my post a little too seriously. Just as an example, I even said that people may not be able to tell the difference between analog and digital. I used very "soft" terms because I was not making a statistical comparison here- this is about feeling, practicality, and not buying into marketing pressure. You have firmed up my loose and mostly inconclusive descriptions and then argued against your imagined conclusions.
You should probably also double check the definition of the word "sleek"
I can tell from the other comments that my point is not missed by the majority of people here.
Here is some of the excellent commentary that caught what I was saying:
"It really depends... I will say just about everything new feels like it's designed with a limited lifespan compared to products of yesteryear."
"I have a very simple philosophy: I keep stuff as long as they work."
"I also have my old iPod Video that a year ago I upgradded the hard drive to 240gigs and replaced the battery with one that provides even more power than the original."
"Not to mention those sturdy metal parts are aging mighty well."
"I found a never used 1953 Hotpoint electric stove on Craigslist and besides being a great overall stove it can probably withstand a hand grenade going off in the oven."
Thanks, everyone:)


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The Fallen Hero
A quick Op Ed On the Reconstruction Of The Egyptian Military
this is 3 color silkscreen I made for Paul Stuart, based off a famous J.C Leyendecker painting. This will be part of there Window Display in there New York store.
I recent book Im working on called Phantoms
Last Leaves Series
Here is a quick piece I did last week that ran today in the times. Its for the L.A Affairs section and was about a couple falling out of love with the change of seasons. Big thanks to Wes Bausmith for hiring me to draw unattainable women!
The Light on The Lower East Side
Theme by Monique Tendencia


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TEMPO Strategic is a marketing agency that helps companies maximize their results across the spheres of online, social and traditional marketing.
When you work with a team that shares your industry expertise and provides deep marketing experience, you get faster results, smarter solutions and less risk.
Our clients get customized solutions they can implement right away, and continual updates, keeping them up to speed on the technical and social marketing changes that affect their competitive capabilities.
And speaking of results, we are proud to announce that we just won a second award for Marketing Effectiveness Integrated Campaign. Again it was in recognition for our work on Arla Dofino.
|See our other Awards & Recognitions


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Thursday, September 6
This is a puppet interpretation of a segment we did for The Sound of Young America back in the day - a dramatic rendering of a short story by George Saunders called Ask The Optimist. Featuring Andy Daly, Jen Kirkman, Jonathan Coulton, John Hodgman, James Adomian, Maria Bamford, Jonathan Katz, Dan Klein and Xeni Jardin. Puppets and video by Hoggworks.


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Vintage Dutch Book Week Posters
From Delicious Industries:
These beautiful vintage posters advertising Book Week (1955 - 1971) and lots, lots more form the Dutch design resource ADVIZ, "a new bilingual (NED / EN) interactive platform for the graphic design industry, the advertising industry and for anyone interested in visual communication".
The two-part website was launched in 2011 to; A. bring together design reference from the collections of the Dutch Archive Graphic Designers (Nederlands Archief Grafisch Ontwerpers - NAGO), the Advertising Arsenal (ReclameArsenaal - RA) and the Poster Museum (Affichemuseum) in Hoorn, and B. to offer a platform for the public to upload their own design collections or portfolios, share design related links and interact with other users.
It's definitely worth a look around, there are some really great vintage posters on there.


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Foundation Trilogy without a doubt.....it was many years after reading them before I realized the connection between Asimov's galactic meltdown and the way it mirrored Earth's own fall of the Roman Empire in 400 AD and the thousand year period of the dark ages where religion, then commerce, then science slowly took over in bringing the world back together, just as The Foundation did in his novels.
I'm reading White Plague by Frank Herbert.
It gave me insomnia. High impact so far.
Did you like it? I remember talking to you about it a while ago.
Yes, I like it. I've hardly been able to put it down. The story stays stuck in my mind, hence the insomnia.
Foundation trilogy for me, hands down.
<---picked up Asimov's Foundation Trilogy in hardcover from my local library for 50 cents. SCORE!! :D also a good older one- Agent of Chaos by Norman Spinrad
My favourites are the books on Darkover. Marion Zimmer Bradley wrote
10 volumes or something like that. They are great reading.
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Who's your fav in the Top Ten?
by josiah777 27 minutes ago
Is the Fried Liver Attack good for white?
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text:
This page is a hodge-podge of my favorite things, items I like, and bits from my personal life.
I'm Kate. I live in Pennsylvania, U.S. I'm 26 years old.
Heavily focused on Castle since late November 2011.
Stana Katic's latest movies, Big Sur and CBGB, are becoming/have become available. Check them out. I'm sure she's brilliant in them.
I'm Wall-E in nostalgiaunicorn's Disney/Animation/Children's Movies Family.
Some of my favorite things & famous people: Taylor Swift, Lady Antebellum, orcas, Disney, purple, country & pop music, indie film For Lovers Only, food photos, childhood nostalgia, Grey's Anatomy, Ellen Pompeo, Modern Family, writing, the ocean, Desperate Housewives, skyscrapers, New York City, France, art, Katy Perry, and cats.
Not in any particular order.
My Grey's Anatomy Tumblr: Shades Of Grey's
My soap opera tumblr: Guiding Children As One Life Turns
Nathan Fillion is too handsome to work out with others!
What a big guy. *dying*
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(via TumbleOn)
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i wore a similar outfit all of fourth grade
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What a big guy. *dying*
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Si dijera lo que me pone Nathan en esta foto me cerrarian todas las cuentas!!!! Uffff que violable está
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4406 30th St has a Walk Score of 58 out of 100. This location is Somewhat Walkable so some errands can be accomplished on foot.
4406 30th St is a 20 minute walk from the Green Metrorail Green Line and the Yellow Metrorail Yellow Line at the WEST HYATTSVILLE METRO STATION stop.
Nearby parks include Mount Rainier Neighborhood Park, Mount Rainier Historic District and Barnard Hill Park.
Nearby schools include Thomas S. Stone Elementary School, Mount Rainier Elementary School and Rhema Christian Center School.
The closest grocery stores are Kaywood Supermarket LLC, PriceRite and Glut Food Co-Op.
Nearby coffee shops include Dunkin' Donuts, Zeke's Coffee of DC and Askale Cafe. There are 13 restaurants within a 15 minute walk including Grand China Carry Out, Mannies Yan and Checkers Drive-In Restaurant.


text:
With all indications today from Washington DC, Dec. 28 is that President Obama, congressional Democrats and House Republicans are unwilling to compromise to prevent across-the-board sequester tax increases and budget cuts that take effect Jan. 1, 2013, Belmont residents will join the rest of the country in paying a markedly larger amount of their paycheck to the government.
In fact, half of Belmont households will be handing over an extra 5K.
For residents curious to discover just how much of a bite they'll see cut out of their own pay stub, a number of financial websites have constructed and uploaded simple calculators that will supply that answer.
One of the simplest to use can be found on CreditCards.com
So, how much will Belmont residents be forking over? Two good trial examples is taking a pair of readily available statistics: the median individual worker income – where an equal number of residents are above and below that calculation – and the median household income.
Plugging in the figures, compiled by USA.com – indicate Belmont taxpayers will be taking a hit.Belmont residents (2012)
tax rate
tax ratedifference Median individual worker income $51,964 $6,695 $8,917 $2,222 Median household income $95,197 $14,728 $19,714 $4,986
Source: USA.com


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The MTV Video Music Awards were held on Sunday night at The Forum in Inglewood, CA, and the show kicked off with a "Bang" courtesy of Ariana Grande, Jessie J and Nicki Minaj. First Grande performed her new single "Break Free" backed by a slew of dancers, and that flowed right into Minaj's booty-shaking performance of "Anaconda." Then Jessie J appeared and the trio of ladies combined to perform their new smash "Bang Bang" for the first time ever.
Katy Perry won one of the earliest awards in the show when she emerged victorious in the Best Female Video category for "Dark Horse." "We just want to say thank you so much," Perry said as she accepted her award from Snoop Dogg and Gwen Stefani. "We put a lot of time and effort and hard work into this song."
Best Male Video went to Ed Sheeran featuring Pharrell Williams for "Sing." Drake won Best Hip-Hop Video for "Hold On (We're Going Home)," Ariana Grande and Iggy Azalea's "Problem" scored them Best Pop Video, and Best Rock Video went to Lorde for "Royals," making her the first female ever to win the award. However, the prestigious Video of the Year trophy was awarded to Miley Cyrus for "Wrecking Ball." Rather than take the podium herself, Cyrus stayed behind, letting a young man named Jesse walk to the mic. "I've been an extra in your movies, I've been an extra in your lives," Jesse announced, referring to his plight as one of America's 1.6 million runaway and homeless children. Cyrus eyes filled with tears as he told his story, and he directed people to her Facebook page where they can donate to help end the problem of displaced youth.
Finally, the end of the show was all about Beyoncé. After already being honored with Best Collaboration for "Drunk In Love," and Best Video With a Social Message and Best Cinematography for "Pretty Hurts," Bey received the Michael Jackson Video Vanguard Award for her career achievements. The award was presented to her by husband Jay Z and daughter Blue Ivy. She also closed out the show with a powerful medley of songs from her latest album, including "Partition," "Blue," "XO," "No Angel," and "Haunted."
As for some of the other performances, Taylor Swift utilized an old Hollywood theme for "Shake It Off." She was escorted onstage by dozens of suited men and she wore a fringy flapper-style dress to sing her newest hit. Sam Smith offered a Soulful and stirring "Stay With Me," accompanied only by a piano, and 5 Seconds of Summer did a stripped-down performance of "Amnesia."
Eminem and Shady Records will celebrate the label's 15th anniversary with its fifteenth release: ShadyXV, a two-CD compilation. One CD features an album of the label's greatest hits, including classics such as 50 Cent's "In Da Club" and Eminem's "Lose Yourself." The second CD will be an album of new material from Eminem, Slaughterhouse, Bad Meets Evil, D-12 and Yelawolf as well as special guest-artist collaborations. ShadyXV, set for release on November 24, is preceded by the new Eminem single, "Guts Over Fear," featuring Sia. The song is out today, and fans will also hear it in the trailer for the upcoming film The Equalizer, which will be in theaters on September 26.
Afro-Norwegian duo Nico & Vinz will release their first U.S. album, Black Star Elephant, on September 16 via Warner Bros. Records. In addition to their hit song "Am I Wrong," their debut features 13 tracks and 7 interludes which pay homage to their parents' nationalities. Additionally, the duo is set to perfom at the Fashion Rocks concert on September 9 in New York City. Airing live on CBS from Barclay's Center, the Ryan Seacrest-hosted special celebrating the relationship between fashion and music also will feature performances by Afrojack, Duran Duran, Jennifer Lopez, KISS, Miranda Lambert, Pitbull, Rita Ora, The Band Perry and Usher.
It turns out that Prince will release not just one, but two albums via Warner Bros. next month. His long-teased album with the band 3rdEyeGirl, dubbed Plectrumelectrum, is due on September 30, as is a new Prince solo album called Art Official Age. Fans can order both albums at www.artofficialage.com. The Purple One will reportedly hold a series of special events and live dates around the world to celebrate the albums' release. More details are forthcoming.
Nick Cannon has confirmed rumors that he and Mariah Carey are currently separated. Speaking to The Insider with Yahoo, the TV star said, "There is trouble in paradise. We have been living in separate houses for a few months. He added, My main focus is my kids." A publicist for Carey told Yahoo, "I am not commenting on Mariah's personal life, but Mariah is focusing on her children and her upcoming tour."
Marissa LanchakAPD/MDWFLY/Albany
Copyright © 2014 Friday Morning Quarterback Album Report, Inc. and Mediaspan Online Services - All Rights Reserved
Contact: Mediaspan Online Services
FMQB, 1930 East Marlton Pike, Executive Mews, Suite F-36, Cherry Hill, NJ 08003. (856) 424-9114.


text:
|Total (w/tax)
|Total (w/tax)
Book Description:
This 1828 facsimile reprint of the first American Dictionary documents the quality of Biblical education which raised up American statesmen capable of forming our Constitutional Republic. Webster traced roots in twenty-six languages, and gives examples from classical literature and the Bible. Comprehensive introductions are presented for language and grammar. It has been described by one Christian scholar as "the greatest reprint of the twentieth century." The added biography by Rosalie Slater, "Noah Webster, Founding Father of American Scholarship and Education," describes his contribution to many fields and records his conversion to Christ.
Tags: Reference, Dictionaries-Thesauruses, English,


text:
Much ado about Google Glass since the augmented reality-enabled eyewear (potential) product was announced in a video a few days ago.
Will Powell in the UK built his own alpha version of the enhanced glasses, just to show that it could (sort of) be done, demonstrated in this video:
He says he "created a version using a pair of Vuzix Glasses, Microsoft HD Webcams, mic headset and dragon naturally speaking. Using these combined pieces of hardware I was able to get the head mounted display and voice recognition."
Interviewed by Geekwire, Randall Sprague of Innovega had several issues with the structure of the product as presented in the video, and as worn in public by Sergey Brin (see above). He summarizes by saying "I'm suspicious that this is all really meant as a cosmetic model more than a functional model. Generally the near-eye display industry would avoid [the various issues he notes] as not a good design choice. So I think the primary function was show."
Interviewed by CNet, Pranav Mistry says "The small screen seen in the photos cannot give the experience the video is showing," and Blair MacIntyre says "You could not do AR with a display like this. The small field of view, and placement off to the side, would result in an experience where the content is rarely on the display and hard to discover and interact with. But it's a fine size and structure for a small head-up display."
What matters, we suppose, is getting some juice for the concept. Real-world applications will follow if the vision is established with some degree of credibility.


text:
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text:
Book Guides: Share a list of your favorite books with Friends Learn more
Become an Affiliate Refer Friends to Quakerbooks and recieve 7.5% of their sales Learn more
Book List:
Graham Garner's Picks
Affiliation: Britain Yearly Meeting - but attender at Goshen Meeting nowadays, part time co manager at the bookstore.
A Girl Named Zippy
Haven Kimmel is a Quaker who grew up in a tiny town in Indiana and wrote a couple of extremely amusing books about the experience. "A Girl Named Zippy" about her early life and "She got up off the Couch" which is more about her Mothers amazing lifestyle changes when Zippy is in her teens. I have to admit we cheated, by having the audio CD's read by the author, and they really have kept me, my wife and eight year old son in hysterics in the car. Wouldn't you know it Google has a street view of her hometown these days, and we spent some time trying to work out which was Zippys house, where her sister lived and the Road that led to the Mooreland Friends Meeting. Haven is currently working on a major piece of writing about Quakerism, and has many other novels and Childrens books in print here.
Notes from an exhibition
is a novel, that almost reads like a murder mystery, but the death is of natural causes and the "mystery" is the family trying to piece together the life of their Mother and Wife, a true and obsessed genius of an artist. Set mostly in my native Britain, mostly down in the West Country, the Quakerism of the bereaved husband and the other family members is central to the plot, and indeed the author Patrick Gale spent a year attending Quaker Meeting so as to write a true and sympathetic description of the Society. The book is not yet published in America but we are lucky enough to have a lot of imported remainders from Britain.
You might also like to see my infrequently updated Book Blog here
New Books
Roots Run Deep
Open For Transformation
Blessing Love, A Widows Story
Soldiers Girls


text:
Hey most of my engineering class is having an issue where after you login your screen goes blank or do anything on the student autodesk but some downloaded it a week ago no problem. I am just wandering what is causing this is it that the sever is down or are they updating everything it just we need the three year student code to work at home cause our shool has one small computer lab with all this on it and it just really makes it a pain not having at the house. and when will it be fixed if anyone knows.
What is "student Autodesk"?
Are you referring to the Autodesk Student Community website http://www.autodesk.com/edcommunity
or are you referring to starting your Autodesk student product (AutoCAD)?
More information is needed. Include screen shots.
I am having the same issues I get a blank screen when I want to get to the estudent community page. I want to download the program and that's all I get, please advise.


text:
Next: Standard Abbrev Tables, Previous: Abbrev Files, Up: Abbrevs
Abbrevs are usually expanded by certain interactive commands,
self-insert-command. This section describes the
subroutines used in writing such commands, as well as the variables they
use for communication.
This function returns the symbol representing the abbrev named abbrev. It returns
nilif that abbrev is not defined. The optional second argument table is the abbrev table in which to look it up. If table is
nil, this function tries first the current buffer's local abbrev table, and second the global abbrev table.
This function returns the string that abbrev would expand into (as defined by the abbrev tables used for the current buffer). It returns
nilif abbrev is not a valid abbrev. The optional argument table specifies the abbrev table to use, as in
This command expands the abbrev before point, if any. If point does not follow an abbrev, this command does nothing. The command returns the abbrev symbol if it did expansion,
If the abbrev symbol has a hook function that is a symbol whose
no-self-insertproperty is non-
nil, and if the hook function returns
nilas its value, then
nileven though expansion did occur.
This function inserts the abbrev expansion of
abbrev, replacing the text between
end. If
startis omitted, it defaults to point.
name, if non-
nil, should be the name by which this abbrev was found (a string); it is used to figure out whether to adjust the capitalization of the expansion. The function returns
abbrevif the abbrev was successfully inserted.
This command marks the current location of point as the beginning of an abbrev. The next call to
expand-abbrevwill use the text from here to point (where it is then) as the abbrev to expand, rather than using the previous word as usual.
First, this command expands any abbrev before point, unless arg is non-
nil. (Interactively, arg is the prefix argument.) Then it inserts a hyphen before point, to indicate the start of the next abbrev to be expanded. The actual expansion removes the hyphen.
When this is set non-
nil, an abbrev entered entirely in upper case is expanded using all upper case. Otherwise, an abbrev entered entirely in upper case is expanded by capitalizing each word of the expansion.
The value of this variable is a buffer position (an integer or a marker) for
expand-abbrevto use as the start of the next abbrev to be expanded. The value can also be
nil, which means to use the word before point instead.
abbrev-start-locationis set to
nileach time
expand-abbrevis called. This variable is also set by
The value of this variable is the buffer for which
abbrev-start-locationhas been set. Trying to expand an abbrev in any other buffer clears
abbrev-start-location. This variable is set by
This is the
abbrev-symbolof the most recent abbrev expanded. This information is left by
expand-abbrevfor the sake of the
unexpand-abbrevcommand (see Expanding Abbrevs).
This is the location of the most recent abbrev expanded. This contains information left by
expand-abbrevfor the sake of the
This is the exact expansion text of the most recent abbrev expanded, after case conversion (if any). Its value is
nilif the abbrev has already been unexpanded. This contains information left by
expand-abbrevfor the sake of the
This is a wrapper hook (see Running Hooks) run around the
expand-abbrevfunction. Each function on this hook is called with a single argument: a function that performs the normal abbrev expansion. The hook function can hence do anything it wants before and after performing the expansion. It can also choose not to call its argument, thus overriding the default behavior; or it may even call it several times. The function should return the abbrev symbol if expansion took place.
The following sample code shows a simple use of
abbrev-expand-functions. It assumes that
foo-mode is a
mode for editing certain files in which lines that start with '#'
are comments. You want to use Text mode abbrevs for those lines. The
regular local abbrev table,
foo-mode-abbrev-table is
appropriate for all other lines. See Standard Abbrev Tables, for the
definitions of
local-abbrev-table and
(defun foo-mode-abbrev-expand-function (expand) (if (not (save-excursion (forward-line 0) (eq (char-after) ?#))) ;; Performs normal expansion. (funcall expand) ;; We're inside a comment: use the text-mode abbrevs. (let ((local-abbrev-table text-mode-abbrev-table)) (funcall expand)))) (add-hook 'foo-mode-hook #'(lambda () (add-hook 'abbrev-expand-functions 'foo-mode-abbrev-expand-function nil t)))


text: Amazon has the Amazon Kindle 3rd Generation 3G 6-Inch E-Reader (White/Graphite) for $189 with free shipping. Set for release August 27th, the 3rd generation Kindle has a 50% improved e-ink contrast over its predecessor, is 0.34″-thick with a 6″ screen and 8.7 oz. weight, and has 4GB of internal storage (for up to 3,500 books and documents), wireless, 3G connection (with global wireless coverage in over 100 countries and territories), text-to-speech, Whispersync (acts as a virtual bookmark to sync your location across multiple Kindles), PDF support, USB connectivity, battery life of up to one month (with wireless off).


text:
Investor's Business Daily reports that "Supreme Court Set To Hear Major Case On Securities Lawsuits Vs. Third Parties."
CNBC.com reports that "Supreme Court Hears Landmark Investor Suit."
Reuters provides a report headlined "Lifting the Lid-Top US court weighs scope of fraud suits."
This evening's broadcast of the public radio program "Marketplace" contained an audio segment entitled "Court to hear Enron shareholders' case" (transcript with link to audio).
Financial Times contains an item headlined "Lawyer liability."
And online at law.com, Richard A. Booth has an essay entitled "In 'Stoneridge,' the Supreme Court Should Focus on Who Really Gains."
Posted at 10:55 PM by Howard Bashman
My column focuses on a provision in a pending piece of legislation, which has already passed the U.S. Senate, that purports to give a senior circuit judge "all the powers of a judge" on the court on which he or she serves. The specific issue that I discuss is whether that provision would enable senior status federal appellate judges to cast votes on whether cases should be reheard en banc and/or to participate in deciding the merits of cases that have been granted en banc review even where the senior judges had not served on the original three-judge panel that issued the initial decision in the case.
Posted at 09:12 AM by Howard Bashman
Today in The Chicago Tribune, James Oliphant reports that "It's U.S. versus Texas in death penalty case; Supreme Court to rule whether international treaty trumps state law."
And The Guardian (UK) reports that "Bush tries to halt execution of convicted killer in Texas."
Posted at 09:03 AM by Howard Bashman
In addition, the newspaper contains an editorial entitled "Must fighting bogus lawsuits mean ignoring blatant fraud? Immunity for some in fraud cases leaves many investors vulnerable." And John Engler has an op-ed entitled "Say no to trial lawyers: Unending securities litigation would not help shareholders."
Posted at 08:05 AM by Howard Bashman


text:
Now that Thanksgiving is in our turkey-smeared rearview mirror, the holiday season is in full swing. We can no longer eye-roll the marketing and messaging for starting too early, because like it or not, Christmas is just a month away. It is officially time to begin freaking the eff out.
Well, it is if you're me, anyway. I have a tendency to spend December in a sort of constant pinball TILT mode, panicked by massive to-do lists, increased expenditures, family members who are seriously impossible to shop for, and the nagging fear that I'm not making the holidays special enough because I didn't make any adorable glitter-dusted pinecones or ornament wreaths or felt poinsettia leaves or ANY CRAFTS WHATSOEVER OH GOD WHY AM I SUCH A LOSER.
Anyway. This year, I am determined to make some changes. By Santa's beard, I swear I am NOT going to mentally unravel this December -- and here are my eight steps for retaining my sanity, one Holiday Don't at a time.
Image via jereddowden/Flickr
Carrie - not everyone is cut from the same cloth. Some people (even those trying to find the perfect gift) don't stress at all. Some of us tend to become more stressed than others. I have all my holiday shopping done, the house is already decorated and I'm still a giant ball of stress, and will remain so until December 26th.


text:
April 12, 2011
Photo by Jennifer Ritter
Rollins' 5th Annual Hunger Banquet used a powerful simulation of the harsh reality of unequal wealth distribution to acquaint students with facts that are usually ignored by society.
"I was just expecting a normal dinner where everyone ate the same food and sat at the same table and listened to a presentation and speakers," said Shalini Allam (Class of 2013).
Assigned to the lower class, Allam was among the majority of attendees at the banquet, meaning she sat on the floor amidst crumbled newspapers and discarded bottles where she ate a peanut butter and jelly sandwich. Only a few feet away, those assigned the roles of middle class individuals ate spaghetti while seated at tables. The select few in the upper class section enjoyed a three-course gourmet dinner complete with table service.
These class identities were distributed in the form of a color sticker upon students' arrival, at which time participants were also sent through a series of bureaucratic tasks, such as obtaining housing and employment, before they could eat. How they were treated the remainder of the evening depended entirely on their social class, which was displayed on their name tag.
Three formerly homeless people, who had each been assigned a different class level and who were anonymously mixed in among the other guests, wasted no time in sharing their stories once they were announced. They discussed how contrary to stereotypical causes like addiction or laziness, most homelessness is the result of crisis situations. One medical emergency or lost bill can mean the difference between security and poverty.
"When confronting the issues of homelessness, it is important to see real people and to put them in real-life context," said Anthony Wehrer (Class of 2011), who was classified as middle class during the event. "Hearing statistics and nameless figures do not have the same emotional weight as a real, breathing, living human being standing in front of you, in need of your help or recounting what brought them to a situation in which they are/were treated as though they were given subhuman status."
The discussion of homelessness also included a 60 Minutes documentary about homeless children that was filmed in nearby Seminole County. The keynote speaker for the evening Beth Davalos—who was featured in the documentary and is the Families in Transition liaison for Seminole County—spoke to the assembled diners.
"This is just a small window of what's happening throughout the nation," Davalos said. "They think it's their fault, that's how children are. They are affected in every area of their life. School districts are now one of the largest providers for homeless students."
With up to 25 percent of children now living in poverty, the homeless rate in the U.S. is the highest it's been since the Great Depression in the 1930s. For some families the choice comes down to living in a van together or splitting up and living in shelters. For others, it's deciding between food and electricity.
"Even though I work with the homeless, I've never seen anything where you're nearing ten to fifteen [newly homeless] kids a day. They don't even have memories to look back on," said Tasha Robinson-Banks, director of the Boys & Girls Clubs of Central Florida.
Homelessness, however, is only one of the many issues facing the lower class. To address the others including the plight of migrant workers to the critical need for identification, a series of other organizations, such as the Farmworkers Association of Florida and IDignity, were present to offer additional information and provide opportunities to get involved.
"A lot of people, especially college students, feel like they're only one person and they can't help. [One of the speakers] is no longer homeless because of one person," said Jessie Figueroa, the coordinator of the Faces of Homelessness Speakers' Bureau. "I don't think you realize how much of a difference it makes."
To learn more about these issues and the ways you can get involved, visit the Office of Community Engagement.
By Jennifer Ritter (Class of 2013)
Office of Public Relations & Community Affairs
For more information, contact firstname.lastname@example.com.


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Dear Liza: I am the executor of my aunt's estate in NJ. She left a number of payable-on-deaht (POD) accounts to me but her intention was that most of these funds/accounts be given to charity. I am trying to avoid paying estate and inheritance tax on them, because then the charities will get less. Is there a way I can redirect them to the charities before they come to me so as to avoid the taxes? When someone gives you something in a Will, or by beneficiary designation,you can always say, "No Thank You" and not accept the assets, provided you don't make use of the asset first, and that you do this within 9 months of the death. This is called 'disclaiming' the assets. Legally, it's as if you died first — the asset is then given to whomever is named as the next beneficiary. In that case, the gift is from the person who died, not from you. What you can't do, however, is direct where the assets go next. So, if your aunt left a Will that said everything in her estate was to go to you, then to charity if you did not survive her, your disclaimer would direct those assets to the charity, via that Will. However, if your aunt's Will did not specify charities as the next beneficiaries, or did not have a Will and simply left those payable-on-death accounts directly to you, and named no second beneficiary, the only way you can give those assets to charity would be to do it directly as a gift from you. If you disclaimed those assets, they would pass to your aunt's surviving heirs under New Jersey's law of intestate succession, not to charity. You can give $13,000 per year to any beneficiary free of the gift tax, or $26,000 if you are married and your spouse agrees to make the same gift.
Using Disclaimers in Estate Planning
Does Putting Properties into a Living Trust Trigger Reassessment?
Dear Liza: When putting property into a Living Trust does it trigger a tax reassessment under Prop 13? My parents purchased their property in 1968 and we didn't want moving it into a Living Trust to trigger a reassessment. Nope. If your parents put their house into their own living trust, no reassessement is triggered. There are no 'new' owners, really. It's just your parents owning the property under a different legal title. Putting property into a revocable trust for your own benefit is an exception to Prop. 13 reassessment. When your parents record the deed changing title to the trust, they will also need to file what's called a Preliminary Change of Ownership Report (PCOR). This form tells the county assessor about the transaction. There are a whole list of checkboxes on the first page of the form, and one box is that the transfer is to or from a living trust. Once the assessor sees that, they know that they can't reassess the property. Note: This is an issue for my California readers. Proposition 13 freezes property tax rates at a value that's set when the property is purchased by a new owner. Needless to say, those with low property tax rates do NOT want to see that rate reassessed while they still own the property.
Letters documenting Incapacity
Dear Liza: My 91 year old mother had a stroke in April. Her living trust designates my brother as Medical Power of Attorney and myself as Financial POA. Her lawyer is asking for letters from two doctors stating our mother is mentally incapacitated before he can talk to both of us about her trust. Why would a lawyer ask for them? Wasn't the point of the trust to make everything hassle free? Your mother's lawyer is asking for letters from two doctors stating that your mother is incapable of managing her own affairs because, most likely, the trust states that you and your brother can act as successor Trustees only upon your mother's incapacity. The trust probably also states that incapacity is to be determined by two letters from physicians stating, under penalty of perjury, that your mother is incapacitated. Many trusts are drafted this way. The idea is to protect your mother from having her powers as Trustee taken away unless she really can't manage her own affairs. Ask the attorney to provide you with letters for the doctors to sign — that shouldn't be a big deal if, in fact, she isn't able to manage.
Small Estates: No Probate Necessary
Dear Liza: If there is no or very little property left under a will (because almost all was left under a revocable trust), and there are no known outstanding debts, is it necessary to file the will with the probate court (New York)? If it is necessary, are probate court proceedings necessary? Check with the probate court in your county (called Surrogates Court in New York) as for Will filing requirements. But it doesn't sound like you'll need to open a probate. Most states have some way for small estates to bypass a full-blown probate proceeding. In New York, if the property left is worth less than $30,000, you can settle the estate with what's called a summary probate proceeding. Here's a link to more info. In other states, like California, if the total value of property is less than a certain amount, you can transfer the assets using what's called a Small Estates Affidavit, after waiting for a certain number of days after the death.
Stuff in the House: Tangible Personal Property
Dear Liza: My mother is 79 years old and is on social security. She and her brother own a house together. At this point, I really don't care if her brother has control of the property. But I do care if the contents of the house are legally given to him. Does he have rights to the contents of the furniture in the house? Does my mother need a Will and would that Will prevent her estate from going into probate? Your mother's furniture and furnishings are what's called "tangible personal property." This is lawyer-speak for all the stuff in her house: pots, pans, rubber bands, and the couch. That property will pass to you and your siblings if your mother executes a simple Will and gives her tangible personal property and any other assets she owns to her children. If the house is owned in joint tenancy, the surviving joint tenant (your uncle) would own the property upon your mother's death, by what's called "right of survivorship." The house passes to him because of the way he and your mother owned it. But the tangibles, and anything else your mother owned other than the house, would pass to her kids via her Will. If all she really has at this point are those tangibles, no probate would be required because states exclude small estates from the necessity of a probate proceeding. Nolo offers a simple Will that would do the trick.
Portability: Worth Filing an Estate Tax Return?
Dear Liza: It is my understanding that in order to preserve the "portability exemption" a surviving spouse must file an estate tax return (706), which would not be required otherwise. It seems that 706 involves quite a bit of work and additional expenses. Do you think it's worth the effort? Surviving spouses of those who died in 2011 and 2012 have that decision to make. The problem is, there's not an easy answer. For those who don't know what the question is, here's a quick summary: Current estate tax law allows a surviving spouse to use any part of the $5 million exclusion from the estate tax that was available to their deceased spouse but not used by that spouse. For example, if your spouse died in 2011, and their part of the estate was $1 million, you could use that extra $4 million dollars of unused exclusion to further reduce any estate tax due at your death. Your spouse's exclusion would be portable to you. Except. There's always an except. And this time there are couple of them, and they're all pretty big:
- In order to make use of that exclusion, you do have to file an estate tax return nine months after your spouse has died.
- Estate tax returns require a detailed accounting of all of your spouse's assets, which costs money and takes time to prepare.
- Once filed, the IRS can examine, without any limitation period, a deceased spouse's estate tax return to adjust the amount of the deceased spouse's unused exclusion amount passing to the surviving spouse.
- There's no guarantee that the additional, portable, exclusion will actually be available to you when you die, unless you die in 2012, because the current law expires in 2013.
In the end, you have to decide whether the time and cost involved are worth the potential tax savings down the road. For some people it is; for many, it isn't.
What if there's no Will?
Dear Liza: My father passed away last fall and I have not received any notification of a Will. I am estranged from my family and my brothers have refused to tell me the name of any attorney or executor involved with the estate, and have refused to tell me if there is a Will. Is there any way to demand this information? There are state laws that require disclosure to you in certain circumstances, and if your family isn't cooperating, those provide you the best chance to figure out what is going on. If your father died and did have a Will, the Will is supposed to be lodged with (filed with) the superior court in the county in which your father died by the executor within a certain period of time (which varies from state to state, but is 30 days in California). Once filed, the Will is a public record and you can get a copy by requesting it from the probate court. If there is no Will and your father owned property worth more than a certain amount (this also varies state to state, in CA it is $100,000 now and will be $150,000 as of January 1, 2012) the estate has to go through probate before anything can be distributed, unless your father had a surviving spouse. Probate is a court supervised settling of the estate: the Will is proven to be valid, the creditors are paid, the assets are appraised, and the estate is settled. If a probate proceeding is opened, you are required to get notice of it, as a surviving heir. Here's a good summary of the California probate process. But, if your father died without a Will, and had less than the minimum required for probate, I'm not aware of any state disclosure laws that would provide you with information about his assets. If your father died without a Will, even if there's no probate, you would, as a surviving heir, be entitled to a share of his assets, but enforcing that without family cooperation will be difficult.
What's a conservatorship?
Dear Liza: A friend of mine recently had a stroke and cannot sign her name, nor make an X, and her conversation is garbled. She doesn't have a Will, a Living Trust, or a Durable Power of Attorney. How can we get something in place to take care of her financially? It sounds like you are going to need a conservatorship for your friend. This is a court proceeding where a judge appoints a responsible person or organization (that's the 'conservator') to care for another adult (that's the 'conservatee') who is no longer able to care for himself or herself or manage his or her finances. Here's a link to the California Courts website on conservatorships. If your friend had signed a Durable Power of Attorney for Finances before she had that stroke, you wouldn't need to go to court–which is why a Durable Power of Attorney is such an important document. Conservatorships are generally handled by elder law attorneys, and sometimes (but not always) by estate planning attorneys. California Advocates for Nursing Home Reform (CANHR) has a good directory of elder law attorneys. Hope this helps.
That $5 Million Exemption
Hi Liza, I read from FAQ on the nolo website, "The $5 million exemption applies to property you give away during life or leave at your death. In other words, you can transfer, either while you are living or at your death, up to $5 million of property tax-free." So, does it mean that I can pass a $1 million house to my children without any costs? now? If yes, what time is used as the tax basis? Yes, until the current law expires at the end of 2012, you could absolutely give that house to your children free of gift tax. But they would also get YOUR basis in the house for capital gains tax purposes. In other words, if you purchased that house for $25,000 in the 1970′s and now it's worth $1 million, if you give that house to your kids, and they sell it, they will owe capital gains taxes on all of that gain. If you give them the house only upon your death, their basis in that property would be the fair market value of the property at your death, so all of that gain goes away. If you make the gift now, also, don't forget to file a gift tax return by April 15th of the following year. You are still required to file that return, even though no tax is due.
Do I Need a Will and a Trust?
Dear Liza, is it necessary to have both a last will and testament if you have a living trust? Yes, that's the way it is usually done. There are two main reasons for this. First, if you have minor children, the Will is where you nominate guardians for them. But also the Will provides an important way to make sure your trust is the one set of instructions for who gets what and how it's managed.
Here's why: your trust holds the property that you transfer into it during your lifetime. You do this by either recording a deed (for real property) that transfers ownership from you as an individual to you as Trustee, or, in the case of a brokerage or bank account, by filing out paperwork that states that the account is owned by you, as Trustee. (These are called Change of Title Forms at most institutions; sometimes Trust Account Applications or something similar.) However, most people don't actually transfer all of their assets into such a trust. When they die, often there are everyday checking and savings accounts, cars, or other assets outside of that trust. Sometimes they have simply forgotten to transfer accounts that should have gone into the trust or refinanced a house and taken that house out of the trust in the process, then forgotten to put it back in. So, that's where the Will comes in–it's usually a special kind of Will, called a 'pour-over Will'–and it says that all such property should be poured into the trust/transferred into the trust after a person's died. That way all of a person's property will be distributed via the trust. A note of caution: if too much property is held outside of the trust, you will need a probate proceeding before you can transfer ownership to the trust (the trigger amount varies from state to state). So, don't rely on that Will to make things work–make sure that your major assets are held by the trust during your lifetime.


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Despite being spectacularly blotto, this woman had the presence of mind to safely deposit the ribs in her home before returning to stalk her beau. You can understand why he fell for her in the first place.
Woman Beats Up Boyfriend, Steals His Ribs and Booze
The man said his girlfriend showed up intoxicated, started screaming at him and struck him in the face with her right hand. He said he then left the residence to avoid further physical confrontation and when he returned, his home was in disarray. The woman reportedly broke the man's eyeglasses, stole a rack of ribs and liquor, smeared beans on the top of the stove, unplugged all the TV and sound system equipment, kicked over a grill and took his car keys.
While the officer was interviewing the resident, a witness arrived to return the man's car keys and said his rack of ribs was at her house and his girlfriend was in her truck parked down the street.


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Vettel started with a bang in Australia
It was clearly Sebastian Vettel's day at the Albert Park Circuit in Melbourne, where he led from start to finish winning the Australian Grand Prix in an impressive way. No other driver could outpace the German, who finished over 22 seconds ahead of McLaren's Lewis Hamilton, who finished second.
After starting from pole position, the Red Bull racer maintained the lead after the first turn and had already opened a gap of more than two seconds over Hamilton's McLaren following the first lap. After damaging his under tray from running over the grass on lap 35, Hamilton managed to hold on to his second place ahead of Renault's Vitaly Petrov, who had an amazing race.
Petrov who started from P6 managed to climb three places to finish on the podium. The Russian had to face a tough competition from Ferrari's Fernando Alonso, who tried till the final stages to outpace the Renault, but eventually finished at fourth place.


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Sponsor and Exhibitor Benefits
Sponsoring IAYT's SYTAR conference provides unique and enjoyable opportunities for interactions with experienced yoga students, yoga teachers, yoga therapists, yoga researchers and health professionals who use yoga in their practice, while also showing your support for IAYT. SYTAR sponsorships are also IAYT sponsorships and hence acknowledged on the IAYT website for one year following the meeting.
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Full text of Spectrum of Mineral and Bone Disorders in Chronic Kidney Disease 2nd ed. (2010) Edited by Klaus Olgaard, Isidro B. Salusky, and Justin Silver is part of the Oxford Medicine Online Collection
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