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Report NEP-HEA-2012-09-09This is the archive for NEP-HEA, a report on new working papers in the area of Health Economics. Yong Yin issued this report. It is usually issued weekly.
Subscribe to this report: email, RSS or Twitter.
Other reports in NEP-HEA
The following items were announced in this report:
- David Madden, 2012. "The Socioeconomic Determinants of Mental Stress in Ireland," Working Papers, School Of Economics, University College Dublin 201221, School Of Economics, University College Dublin.
- Daishin Yasui, 2012. "Adult Longevity and Growth Takeoff," Discussion Papers 1218, Graduate School of Economics, Kobe University.
- Georges Dionne & Casey G. Rothschild, 2012. "Risk Classification and Health Insurance," Cahiers de recherche 1232, CIRPEE.
- Georges Dionne & Nathalie Fombaron & Neil Doherty, 2012. "Adverse Selection in Insurance Contracting," Cahiers de recherche 1231, CIRPEE.
- Ting Liu & Ching-to Albert Ma, 2012. "Health Insurance, Treatment Plan, and Delegation to Altruistic Physician," Department of Economics Working Papers, Stony Brook University, Department of Economics 12-08, Stony Brook University, Department of Economics.
- Debra J. Lipson & Jenna Libersky & Rachel Machta & Lynda Flowers & Wendy Fox-Grage, 2012. "Keeping Watch: Building State Capacity to Oversee Medicaid Managed Long-Term Services and Supports," Mathematica Policy Research Reports, Mathematica Policy Research 7513, Mathematica Policy Research.
- Vivian L. H. Byrd & Allison Hedley Dodd & Rosalie Malsberger & Ashley Zlatinov, 2012. "Assessing the Usability of MAX 2008 Encounter Data for Enrollees in Comprehensive Managed Care," Mathematica Policy Research Reports, Mathematica Policy Research 7521, Mathematica Policy Research.
- Steffen Altmann & Christian Traxler, 2012. "Nudges at the Dentist," Working Paper Series of the Max Planck Institute for Research on Collective Goods 2012_15, Max Planck Institute for Research on Collective Goods.
- Moreno, Antonio & Alvarez-Rosete. Arturo & Nunez, Ricardo Luque & del Carmen Moreno Chavez, Teresa & Rodriguez-Garcia, Rosalia & Montenegro, Fernando & Moreno, Luis Angel & Suarez Lissi, Alejandra & C, 2012. "Evidence-based implementation efficiency analysis of the HIV/AIDS national response in Colombia," Policy Research Working Paper Series 6182, The World Bank.
- Carl-Johan Dalgaard & Holger Strulik, 2012. "The Genesis of the Golden Age - Accounting for the Rise in Health and Leisure," Discussion Papers 12-10, University of Copenhagen. Department of Economics.
- Anila Channa & Jean-Paul Faguet, 2012. "Decentralization of Health and Education in Developing Countries: A Quality-Adjusted Review of the Empirical Literature," STICERD - Economic Organisation and Public Policy Discussion Papers Series, Suntory and Toyota International Centres for Economics and Related Disciplines, LSE 038, Suntory and Toyota International Centres for Economics and Related Disciplines, LSE.
- Gazi Hassan & Arusha Cooray, 2012. "The effect of female and male health on economic growth: cross-country evidence within a production function framework," Economics Working Papers, School of Economics, University of Wollongong, NSW, Australia wp12-07, School of Economics, University of Wollongong, NSW, Australia.
- Chaudhuri, Sarbajit & Mukhopadhyay, Ujjaini, 2012. "Is Direct FDI in Healthcare Desirable in a Developing Economy?," MPRA Paper 41007, University Library of Munich, Germany.
- Eva O. Arceo-Gomez & Rema Hanna & Paulina Oliva, 2012. "Does the Effect of Pollution on Infant Mortality Differ Between Developing and Developed Countries? Evidence from Mexico City," NBER Working Papers 18349, National Bureau of Economic Research, Inc.

subset: commoncrawl


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How to Eliminate Ingrown Hairs
Ingrown hairs occur when new hairs bend back into the skin. You may end up with tiny red bumps (aka razor bumps) and even small pustules that look like acne outbreaks. Unfortunately the only way to completely prevent ingrown hairs is to stop removing hair- not usually the best aesthetic solution- however there are ways to treat ingrown hairs and reduce their frequency.
Causes of Ingrown Hairs
Shaving, waxing, plucking, or any other form of hair removal can cause new hair growth to become ingrown. When the hair follicle's shaft gets damaged, new hair can lose its way. Curly hair is the most likely to become ingrown, which is why ingrown hairs often occur in delicate areas. When you wax or pluck hair, the yanking movement can damage the follicle. When shaving, especially with a double-blade razor, your hair can be severed at an angle and retract into the skin, where it continues to grow - in the wrong direction.
Treating Ingrown Hairs
- Exfoliate the hair or area twice day to remove excess oil and dead skin. This will also help to abrade the hair and break the infection. Using a rough sponge or warm washcloth and rub it in a circular motion to hel p cleanse and encourage the hair to grow out.
- Apply a topical antiseptic or even an over-the-counter acne product to help soothe an infected pustule.
- If you're going to physically remove the hair with a needle or tweezers, be sure the implement is sanitized. Soften the area with a warm washcloth, and then gently unbend the ingrown hair. Don't pluck the hair out entirely or you will further damage the hair follicle.
Tips for Preventing Ingrown Hairs
- Exfoliate the area before and after hair removal.
- Use a shaving cream formulated for sensitive skin.
- Use a single-blade razor and don't pull skin taught when you shave.
- Leave hair a little longer when you shave. Be sure to shave in the direction of hair growth and avoid repeat strokes over the same area.
- Apply an after-shave product that contains salicylic acid that will help exfoliate and clear your pores.
- Apply tea tree oil or a specialized ingrown hair formula to the site after waxing.
- Cleanse the area well at least one a day.
Medical Help for Ingrown Hairs
While ingrown hairs rarely require professional intervention, you should see a doctor if they are a chronic or extreme problem since they can lead to infection, skin darkening, and scarring. A doctor can suggest treatment options which include retinoid cream to address hyperpigmentation, antibiotics to combat infection, and steroid creams to reduce inflammation. You may also want to consider a permanent solution like laser hair removal.
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64 results for "josh hamilton contract"
Ryan: Josh Hamilton contract during season unlikelyCalvin Watkins
HOUSTON -- Texas Rangers president and CEO Nolan Ryan said Friday afternoon he expects the club won't provide slugger Josh Hamilton with a new contract during the season. The Rangers traditionally don't negotiate new contracts with players during the...Blog | May 18, 2012
Josh Hamilton: Contract talks won't distractRichard Durrett
BALTIMORE -- Texas Rangers slugger Josh Hamilton vowed Wednesday not to let any contract talk distract him from having a successful season. Less than 24 hours after becoming the 16th player to hit four home runs in one game in big league history, ...Blog | May 09, 2012
Josh Hamilton contract talks still on holdRichard Durrett
The focus for the Texas Rangers and Josh Hamilton remains on his recovery and not on a long-term contract, general manager Jon Daniels reiterated on Sunday. "The contract is not really the priority with Josh right now -- his health and family are...Blog | February 12, 2012
2014 values of two Hamiltons, BitsEric Karabell
Take out a $10 bill and celebrate because Wednesday night was one for the Hamiltons. Josh Hamilton, a polarizing figure in baseball with a monster contract and less-than-stellar numbers in his first year with the non-contending Los Angeles Angels, sm...Blog | September 19, 2013
Hamilton no longer hitting hardMark Simon
Brandon Wade/Getty ImagesJosh Hamilton has not played up to his $125 million contract this season.Josh Hamilton signed with the Los Angeles Angels after five seasons with the Texas Rangers. With Texas, Hamilton won an MVP award, reached the World Ser...Blog | August 30, 2013
Josh Hamilton's HR in 10th gives Angels walk-off win over Astros
Josh Hamilton homered with one out in the 10th inning to give the Los Angeles Angels a 6-5 victory over the Houston Astros on Saturday night.Recap | Box Score | Conversation | August 17, 2013
Offseason report card: AngelsDavid Schoenfield
2012 in review Record: 89-73 (88-74 Pythagorean) 767 runs scored (3rd in American League) 699 runs allowed (7th in AL) Big Offseason Moves Signed free agent Josh Hamilton to five-year, $125 million contract. Traded Kendrys Morales to Mariners...Blog | February 13, 2013
Josh Hamilton's Los Angeles Angels contract valued at $123 millio...
The Los Angeles Angels will pay $2 million directly to Josh Hamilton's charitable foundation under his $125 million contract,Story | Conversation | December 18, 2012
Josh Hamilton, Los Angeles Angels finalize $125 million, 5-year d...
Feeling "a little upset" that Texas didn't move quickly enough to re-sign him, free-agent outfielder Josh Hamilton donned a Los Angeles Angels jersey on Saturday after finalizing a $125 million, five-year contract that he called a new chapter in his life.Story | Conversation | December 15, 2012
Hamilton won't be coming to Red SoxESPN.com
Free-agent slugger Josh Hamilton agreed to a five-year, $125 million contract Thursday with the Los Angeles Angels, sources told ESPN.com. Hamilton's former team, the Texas Rangers, had been in negotiations to retain the 2010 MVP. Hamilton's camp ...Blog | December 13, 2012
Josh Hamilton has agreed to deal with Los Angeles Angels
Josh Hamilton is going from the Texas Rangers to the rival Los Angeles Angels.Story | Conversation | December 13, 2012
Source: Sox still in mix for HamiltonGordon Edes
BOSTON -- The Red Sox, according to a baseball source, remain in a holding pattern on Josh Hamilton, the free-agent outfielder who reportedly has designs on a long-term contract of at least six years. He won't get a deal of that length from the Re...Blog | December 10, 2012
Josh Hamilton's agent hasn't talked with Texas Rangers during win...Richard Durrett
Texas Rangers general manager Jon Daniels said he has not communicated with Josh Hamilton agent, Mike Moye, at the winter meetings.Story | Conversation | December 04, 2012
Bowden's crystal ball: Josh Hamilton returnsRichard Durrett
ESPN.com's Jim Bowden has a list of his five bold predictions for the Winter Meetings (insider). It includes the Texas Rangers re-signing Josh Hamilton to a four-year contract. Part of what Bowden predicts: Despite all the reports that the Range...Blog | December 02, 2012
Texas Rangers GM Jon Daniels says club will be flexible in talks ...Richard Durrett
Although the Texas Rangers have an idea of what they'd like to see in a contract for Josh Hamilton, general manager Jon Daniels said Thursday the club will be flexible as negotiations heat up for the free-agent outfielder.Story | Conversation | November 29, 2012
Atlanta Braves took a big gamble signing B.J. Upton - MLBBuster Olney
Atlanta Braves took a big gamble signing B.J. Upton, writes Buster Olney.Blog | Conversation | November 29, 2012


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Simple Beef Stroganoff
Yield: 6 servings.
More From Oxmoor House
Recipe Time
Cook Time:
Prep Time:
Nutritional Information
Amount per serving
- Calories: 307
- Calories from fat: 18%
- Fat: 6.3g
- Saturated fat: 1.9g
- Monounsaturated fat: 0.0g
- Polyunsaturated fat: 0.0g
- Protein: 21.7g
- Carbohydrate: 40.2g
- Fiber: 4.1g
- Cholesterol: 78mg
- Iron: 0.0mg
- Sodium: 357mg
- Calcium: 0.0mg
- 3/4 pound lean boneless top sirloin steak
- Vegetable cooking spray
- 1/2 cup sliced onion
- 1 pound fresh mushrooms, sliced
- 1/4 cup dry white wine
- 1/4 teaspoon salt
- 1/4 teaspoon freshly ground pepper
- 1 (10 3/4-ounce) can reduced-fat, reduced-sodium cream of mushroom soup
- 1/2 cup nonfat sour cream
- 4 1/2 cups cooked egg noodles (cooked without salt or fat)
- Trim fat from steak; cut steak into thin slices. Coat a nonstick skillet with cooking spray; place over medium-high heat until hot. Add steak; saute 5 minutes. Add onion and mushrooms; saute 5 minutes. Reduce heat to medium-low. Add wine, salt, and pepper; cook 2 minutes. Combine soup and sour cream; stir into steak mixture. Cook until thoroughly heated. Serve over noodles.
My Notes
Only you will be able to view, print, and edit this note.Add Note
Simple Beef Stroganoff Recipe at a Glance
- COURSE: Main Dishes
- CONVENIENCE: Family
- CUISINE: German
- MAIN INGREDIENT: Pasta, Beef
- DIETARY CONSIDERATION: Diabetic
- OCCASION: Autumn, Winter
- PUBLICATION: Oxmoor House
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TALLULAH, La. (KNOE 8 News) - Two buildings already on the National Historic Register are being preserved to reclaim the legacy of this old deep-south city. Steve Gustafson and several partners have renovated the original terminal at Scott Airfield."Right after the '27 flood. John D. Rockefeller designed this building. He had a military contract. The military planes came in and practiced and bought fuel."Scott Field was the home for research done in the twenties using airplanes to apply cotton pesticides. Military pilots and government entomologists were concentrated here fighting the battle to control the boll weevil. Gustafson and partners also have the replaced the twenties era-lighting system outside the terminal."When I fly here at night this white building with the lights on...you can see it for 20 miles.'Meanwhile, in the old downtown of Tallulah, another building is getting a facelift. This building is based on an idea that came from Europe...the shopping arcade...and this was built in the middle of depression in rural Louisiana...some consider this style as a fore- runner of today's shopping mall."It was originally built in 1924...it has a great history...it used to have shops thru here...a lot of people remember shopping here as kids."Using as much original material as possible, the old Blooms Arcade is being remodeled to accommodate 30 apartments units."We have the original plans and we're using them to re-construct the building."Those plans bear the name of a famous Louisiana architect: A. Hays Town of Baton Rouge.
There you have just a couple of examples of how people here are reclaiming and preserving the past.


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10 garlic cloves, minced
2 tablespoons chopped fresh rosemary
1 tablespoon chopped fresh sage leaves
1 tablespoon salt
1/4 teaspoon freshly ground black pepper
1 crown roast of pork, 3kg to 3.5kg, tied in a circle
1. In a small bowl blend the rub ingredients with a fork.
2. Spread the rub all over the roast, including the crevices. Let stand at room temperature one hour before grilling.
3. Grill the roast over indirect high heat (230°C to 290°C), with the lid closed, for 30 minutes. Reduce the grill's temperature and continue grilling over indirect medium heat (180°C to 230°C), keeping the lid closed as much as possible, until the internal temperature reaches 60°C, about 2-1/2 hours longer. Remove from the grill, lightly cover with foil, and let rest 20 minutes before carving.
4. Cut and remove the string from the roast and slice the roast between the rib bones. Serve with grilled seasonal vegetables.


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One of the better bunny books out there
posted 6 years ago
this is definitely in my top 5 of bunny books, but not #1. if you have time, definitely include this in your reading. the book is informative and does keep up with current knowledge on rabbit behavior.
Pros: current
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Every rabbit owner should own this book
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The house rabbit primer is an informative ,educational and easy to read book about rabbits and their care that is a great resource for the new (or seasoned rabbit owner)
Pros: "must have" for new rabbit owners
Cons: none
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Restrict floatplanes in Liberty Bay
Several speakers at Wednesday night's Poulsbo City Council public hearing on the Shoreline Master Program advocated for floatplanes in Liberty Bay; I take the opposite view.
Floatplane access to Liberty Bay should be prohibited.
Planes dominate wherever they are. Even in a large city harbor such as that in Victoria, Canada, the roar during take-off or landing causes all eyes to turn. These fast-moving machines monopolize long stretches of the harbor, and when taxiing they fill the air with sound (not to mention scattering the seabirds and also threatening kayakers and boaters). Even the few planes that now fly over Kitsap waters take over the stillness otherwise enjoyed by thousands.
Living just south of Keyport, I and my neighbors would be on the "landing strip" created by the actions of a floatplane-allowing Poulsbo SMP. Having an airport-equivalent in Poulsbo is a terrible idea that should be rejected.
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Lessons in Nuts We were both African-American women from the same generation, shopping in the snack aisle of a popular drugstore chain, when we reached for the same can of the week's advertised sale: mixed nuts. They were marked deluxe, … Continue reading
Not New to Us…thank you very much
This gallery contains 1 photo.
There's a good reason I'm the go-to source among friends desperate to lose weight quickly following a holiday or vacation eating binge. During a career spent traveling around the world sampling and testing delicious recipes, I became an expert on fad … Continue reading
Fortune Cooking
On the Gulf Coast, my grandmother's New Year's buffet always included tiny toast points topped with tiny dollops of caviar scooped from a special silver server and at least one cabbage dish, based on the Creole tradition of cabbage to … Continue reading
Talking Turkey
Tomorrow, roast turkey will be the Thanksgiving featured attraction for nearly 88 percent of Americans, according to a survey by the National Turkey Federation. Of course, depending on personal traditions, we'll pair the bird with regional or cultural specialties such as lasagna, sauerkraut, macaroni and cheese or as in the case of my family–seafood gumbo. But for most of us, on this one special thursday each year, turkey reigns as the holiday centerpiece.
This is my sister Carolyn's delicious recipe for Roast Turkey with Mexican Chorizo Dressing. She prepares the bird and the stuffing separately, per our grandmother's Gulf Coast tradition of fragrantly "stuffing" the turkey with celery, onions and citrus halves before baking the dressing in casseroles.
This gallery contains 1 photo.
For pecan lovers like me, last week's news projecting a steep price increase for these nuts was alarming. Nadia Arumugam, a contributing writer for Forbes.com, cited unfavorable weather conditions and heightened popularity in China when she predicted a eminent pre-holiday … Continue reading
Fish Smarts
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The most complicated step for preparing this delicious Skinny Salmon, turns out to be shopping for the ingredients: salmon fillets and special mustard. Stopping by a good market with a knowledgeable staff and a fish counter supplied with several salmon … Continue reading
Let's Share Family Recipes
As a journalist, I wrote about fashion, business and travel before an extended trip abroad changed my beat. My friend and I lived in San Francisco back in the 1980's, when following a conversation that ended, … Continue reading
Making Mussels
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These don't have to be a special occasion, but if you're attempting to orchestrate a romantic meal amid budget concerns and a crunched schedule, consider a dinner for two featuring the most inexpensive shellfish…mussels. Prepare to be amazed when you … Continue reading


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We have bad days, we have good days, we have days when we just don't understand what exactly it is that we wanna do with our life. You don't have to succumb to everything that people are telling you. You are cool exactly the way you are. You were made to be who you are. No matter what society or pop culture says. You are supposed to be who you were made to be. That's it.
I realize everybody wants what they don't have. But at the end of the day, what you have inside is much more beautiful than what's on the outside.


text:
What have you done?
You followed footsteps in the dark
You found your faith
Left out behind your father's car
You said, 'there's no one watching over me, over you it's always out of reach'
I'm sinking still right into:
Oh my God, where are we now?
Fractured lives dissolving like sugar in the sacrament
If it was just one night
Then we would be released
Tie this knot between our teeth
Keep tearing open bottles
"Let it bleed"
Where have you gone?
Off with the friends you couldn't keep
Your mother's arms
Fill up with all the empty needs
So the saints line up to bring her in
Comfort her And it's always comforting
When they start to sing,
The same old:
'Holy, Holy, lift up your dress. Feel your body
Dissolving like sugar in the sacrament'
If it was just one night
Then you could be redeemed
Tie these sins between your teeth
Make hollow promises we'll never keep
This is all we've ever known of God
Fight with me Let me touch you now
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Project Description
In Spring 2011, I had the opportunity to attend a regional conference for fraternities and sororities in Orange County, CA through a company called the Association of Fraternal and Leadership Values. In short, the conference was amazing and I was intrigued by a program they promoted to go on a trip to El Salvador and participate in a service-based experience. I was hooked and two years later, I was accepted to attend and spend a part of my Christmas holidays to be in another country helping with various service projects. I wasn't entirely sure what I was expecting from the experience. I was hoping to help out the locals through the service projects and provide a better sense of hope or outlook on life since the lives they led were very simple and uncommon to the way we live in the United States. Instead, they helped me realize much more than I could have imagined. I understood the importance of family, culture, values, faith, and most of all pride in the ability to be bilingual. My parents both grew up in Mexico and eventually immigrated to the United States to provide better opportunities for our family. My mother and father were both very intelligent in school, so much so that they were number one in their class, but lacked speaking English once they established themselves in the U.S. It was difficult for me to see them struggle and as I got older, it seemed that I started to become the translator for our family. More often than not, I would see it as a burden that I was the representative for my family, in a way, because I was the only one that knew fluent, accent less, English. My experience in El Salvador proved otherwise, however. Having the ability to manipulate both languages was beneficial not only to me during that trip, but also the other participants that attended, most of which spoke very little Spanish with the exception of one girl who was close to fluent. My ability to speak Spanish and interact with the locals made me an asset to our group which later made me reflect on the appreciation I had for the improvised training that my parents put me through in my earlier years in life. I thought I was there to do community service, but one morning Sister Gloria, one of our guides during the trip, said something special that I will never forget. She said, "Don't worry so much about the service you will provide the people. Worry more about the connections that you make with them because it is those connections that will last a lifetime whereas the service you provide in the means of building something can be destroyed or vandalized. That really put things into perspective for me. After she said that, I found myself interacting more with the local people. We joked, shared stories, and asked questions to better understand one another. In on instance I remember a young girl asking me why I knew Spanish. I responded by telling her that it was because my parents had taught me and she did not believe me because of the way that I spoke it and in the manner that I said certain things. She said, "You are from Mexico, there is no way that they teach English in the United States." Her statement shocked me and made me all the more appreciative for having been taught Spanish in my youth. In all, the trip was perspective changing. As simple as it may sound, I finally felt special. I understood how important it was to communicate with other people and how crucial it will be for future generations to understand this. Globalization, with the help of technology, is changing the way we think and act. Knowing how to communicate with others will be essential because language is truly beautiful, no matter how little you know. At the end of the day, it helps people connect and create bonds that will last an eternity.
What are the main takeaways from this story?
The most important things that I learned is be happy for what you bring to the table, don't be shy to show people who you are, and have an open mind to new experiences. When you do that, it's easier to have a more entertaining and thought provoking life.
What was the biggest challenge or biggest surprise?
The biggest surprise was that I was the only Latino in a group of 22 people. Though I may have felt alone regarding my background and experiences, I felt that I was not once I connected with the local people and felt an improved sense of pride for my culture.


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10 things that should always be in your car
Essential items that drivers should keep in their vehicles, because a blown tire could turn into an overnight stay in a desolate location.
It's inevitable: Cars break down. In fact, the Automobile Association of America, the largest emergency roadside assistance organization in the country, handles between 29 and 30 million roadside calls for help each year from motorists stranded on America's highways and byways. While most mishaps can be handled with little trouble (AAA says that 3 out of 5 assistance calls it receives are fixed on location without the need for a tow), others are a little trickier because aid isn't nearby or is "closed for the evening." Waiting time for a helping hand to arrive in these situations varies greatly depending on where you are, as well as on road and weather conditions.
It's important to follow the Boy Scouts' motto while on the road: Be prepared! That means putting together an emergency road kit and carrying it around with you.
Watch Video: How to Prepare for a Roadside Emergency
The simple solution
For those who want to take the thought process out of building a kit on your own, there are plenty of prepackaged auto safety kits on the market. The manufacturers have done all the thinking for you, but they are predominantly "get back on the road" type of kits, serving as a good foundation for you to personalize.
For instance, a kit from Justin Case includes a flashlight, two D-cell batteries, a polyester blanket, emergency poncho, 12-volt air compressor, 12-foot jumper cables, 12-foot tow rope, two bungee cords, a stainless multitool, a pair of latex gloves, a roll of duct tape and a 54-piece first aid kit.
Some prepackaged kits have more tools, some more medical supplies; some are aimed at winter and some are more survival-based. Prices range from around $30 to $85.
Bing: Find a Car Emergency Kit
Do it yourself
Creating your own kit is the best way to make sure you have everything you need if stranded. Picking a bag or container is the first step to making your own kit. Consider putting Velcro on the bottom of the bag or container to keep it from sliding around in the trunk. The best thing about the DIY kit is that you can tailor it to your specific needs, taking into account the number of people in your family, the climate where you live and your mechanical capabilities. It may make sense to put together a kit for the driver and a special, secondary package with key items for the rest of the family. The secondary kit can be packed with baggage when the family goes on an extended road trip.
Read: How to Handle a Real Auto Emergency
The basics
Whether you are simply trying to get back on the road after a blowout or trying to survive a night in the elements because your transmission seized in the middle of nowhere, there are a few must-have items for every emergency kit that can make the experience of getting stranded palatable — or at least survivable.
The first two are easy: a collection of basic tools and an easy-to-follow automobile fix-it guide — that is, if you don't have grease in your veins and can't strip down an engine in your sleep. These items will probably keep a minor problem from stranding you on the side of the road for very long and will get you to a fully stocked repair shop or auto parts store for a more complete repair job.
The following items might be the difference between spending a few inconvenient hours away from civilization and your passengers measuring you up for the Donner Party treatment until help arrives.
Fresh fruit and deli meat are probably not ideal for long-term storage, but survival food bars can provide the caloric intake you need to keep your strength up and hunger pains from driving you nuts. Rated in the 200- to 400-calorie range, high-calorie fitness bars are a few steps below emergency food rations but provide ample long-term energy. The bottom line is that a box or two of your favorite granola bars will easily fill short-term needs. Remember, nonperishable items that are individually packaged will last longer.
Bing: Stock Up on Survival Food and MREs
Water is essential for survival. The choice here is how much to pack: a few one-liter bottles or a family-style 2.5-gallon water briefcase? Space is the limiting factor. Freshness is also a concern, so be prepared to swap out both water and food items. You can do it quarterly on the equinoxes and solstices, or semiannually on New Year's Eve and the Fourth of July.
Must-See on MSN
More on MSN Autos
Rare and expensive vehicles and the stories behind their discovery.


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What do guys mean when they call you babe?
I've been texting a guy for a few months and have hung out with him a few times. He is very sweet and was always respectful and he has told me he really likes me. He recently stopped texting me so a week and a half later I texted him asking if he would want to hang out when I'm in town with my friends. He replied saying "(my name), you know I wanna see you when you come down! Just a time and place babe ;)". He hasn't called me babe in awhile so I was surprised. I can't tell if he only see's me for one thing (even though I go to school 3 hours away and he has texted me for 3 months). What does he mean by babe? Is it just a term of endearment or something guys use when they talk to multiple girls?
What's Your Opinion?
Most Helpful Opinion
Personally, I use the words "babe" and "sweety" as a word of flirtation and attraction.I use those words rather loosely, and other people are REALLY strict about using those terms.Seeing he is "sweet and respectful"...he probably means that he truly cares about you. :)
What Guys Said 3
it's a flirtation, implies he may put moves on you when you see him in person. Be ready for that! Whether it seems a good idea to you or not..either way, be ready!
I can't speak for him, but I have only ever used "babe" when talking to a girl I was in a relationship with already or wanted to be in one with.
Yeah it's basically just a petname. Right up there with "dear", "doll", "hon" or whatever. It might be somewhat endearing but who knows. I think this is really one of those things you should use your "women's intuition" on and basically just go with that. It really could be anything. Still, I say if it makes you feel good, then at least you have that, but don't overthink it much.Probably just an idle petname.
What Girls Said 2
It REALLY depends what you're doing when he calls you babe/baby.Via text, it's possibly just a casual flirtation. He's trying to show some level of endearment that isn't as obvious as sweetie/honey/any other term that may allow you to start over thinking his motives.Since we're girls, of course, any attempt a guy makes to stop us form over thinking anything they do/say a thing is relatively futile. Sigh.Just see how it goes when you meet up. Watch his eyes and don't verbally bug him about what he means. His eyes and gestures will tell you everything you need to know.Bask in the moment and just take it for what it's worth -- a simple term of flirtatious endearment.
Its always situational, but you can't make too much of it. Most of the time its just a flirty thing. Most guys say it without even realizing it. I'm sure he does like you and care, but there's no way to tell by that alone.


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Best and Worst Player
Best Player
Goal Choice
L. ModrićReal Madrid Position: Midfielder
Fan Choice
L. ModrićReal Madrid Position: Midfielder
Worst Player
Goal Choice
S. de JongAjax Position: Midfielder
Fan Choice
Cristiano RonaldoReal Madrid Position: Attacker
Team Ratings
Real Madrid
The Madrid goalkeeper had a night to forget as he was at fault for the Ajax goal. Recovered with a few good saves in the remainder of the game, but will not have convinced Mourinho with this outing.
The 22-year-old was given the chance to prove his worth, but did not have an easy evening against the Ajax wingers. Particularly struggled against Boerrigter after the interval.
Ricardo Carvalho
Given a rare start, but looked sharp despite his lack of match practice. Fought out some interesting battles with Hoesen throughout the match.
Fábio Coentrão
Lively in the opening stages of the game, hitting the post with a powerful shot. Replaced with a hamstring problem shortly after.
R. Varane
Regarded as one of the most promising youngsters around in the game, he put in an encouraging performance. Looked comfortable both at centre-back as well as on the right after Coentrao's substitution.
S. Khedira
The former Stuttgart man did a fine job of protecting his back four, while also keeping Eriksen quiet in midfield. Solid as always for Madrid.
L. Modrić
The former Spurs playmaker kept Madrid ticking in midfield with his superb passing and movement. Gave an outstanding ball to create the opener, followed by an even better one for the 2-0.
The Brazilian once more showed that he still has plenty to offer to this Madrid team. Majestic on the ball and capped a fine outing with a brilliant goal.
Cristiano Ronaldo
The former Manchester United man was all over the pitch in the first half and opened the scoring with a calm finish. Came close to scoring another with two free kicks, but Vermeer proved to be too much of an obstacle.
K. Benzema
The France international was in devastating form before the interval. Had a goal disallowed for offside, before presenting Ronaldo with the 2-0. Faded in the second half but had already proved his worth.
José Callejón
The versatile attacker outshone Ronaldo and was Madrid's main attacking threat. Excellent control and finish for the 2-0, before doubling his tally after the interval.
K. Vermeer
Made a number of fine saves in the opening 45 minutes to deny Benzema and Cristiano Ronaldo. Couldn't do anything about the three goals he conceded.
T. Alderweireld
The Belgium international had a difficult evening at the Santiago Bernabeu. Should have done better for Madrid's third goal as he allowed Kaka all the time and space he needed to fire home.
N. Moisander
Moisander was unable to contain Benzema as he lost sight of the Frenchman a number of times. Was to blame for Madrid's first two goals.
R. van Rhijn
Van Rhijn unsurprisingly struggled against Cristiano Ronaldo and was outsmarted more than once. Never gave up, though, and was always willing to charge forward and help out in attack.
C. Poulsen
The experienced midfielder was overrun in midfield by Kaka and once more failed to lead his youthful team. Hooked before the break.
D. Blind
The left-back should have done better for Madrid's second goal as he failed to communicate with Moisander. Not a bad game, though, as he managed to hold his own in general.
C. Eriksen
There's little doubt about the playmaker's immense potential, but Eriksen failed to inspire Ajax to great things. Gave a few intelligent passes, but his set pieces lacked accuracy.
S. de Jong
Lost possession in the build-up to the 2-0 as he was outmuscled by Modric. De Jong worked hard, but he was unable to match the Croatia international's class in midfield.
V. Fischer
Fischer was never afraid to take on his direct opponent, and was Ajax's most dangerous attacker in the first half. Largely anonymous after the interval.
D. Hoesen
The former Fulham starlet always made himself available as he looked to get involved in Ajax's attacking play. Linked up well with his team-mates and played a role in Ajax's goal as he put Adan under pressure.
D. Boerrigter
An underwhelming opening 45 minutes as Coentrao and Nacho kept him in check with ease. Came to life after the interval and netted the 3-1 after some poor goalkeeping from Adan.
Came on early in the game to replace the injured Coentrao and hardly put a foot wrong in defence. Won the majority of his duels and made some fine challenges.
José Rodríguez
Didn't see to much of the ball, but had a night to remember as he made his Champions League debut.
Álvaro Morata
Yet another fine substitute cameo for Morata as he set up Callejon for Madrid's fourth.
E. Enoh
Sloppy passing always cost his side another goal, but the Cameroon international escaped as Morata was caught offside.
L. Schöne
Replaced Poulsen before the interval, and proved a significant improvement. Did his work defensively, and looked comfortable on the ball.
T. Sana
Unable to make an impact during his 13 minutes on the pitch.


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UKC's favourite mountain hero Jon Griffith has completed his 'winter project' and soloed three alpine north faces in a single day.
The mountaineering camera-man has hotfooted it up the Aiguille Verte, Les Droites and Les Courtes in the Argentierre basin, Chamonix. He finished his huge day with the Swiss Route on Les Courtes and skied down the south side on his lightweight skis wearing his climbing boots.
You can read his full account on his excellent blog, but what we liked best was the three summit photos, as he gets more tired through the day (understandably!).
The darkness can't hide 'that' look in his eye - summit of Les Courtes after a monster day
UKC News, Mar 2013
© Jon Griffith / Alpine Exposures
Jon commented on his blog:
"The initial idea was to make the Courtes summit at sunset therefore allowing me to ski the south side in relatively soft snow. I knew that it would be getting baked and the last thing I wanted to do was to have to ski steep concrete at night. But as I dug my way up through some very sketchy terrain I went from hoping to make the Courtes summit at sunset, to starting the Courtes at sunset, to simply getting off the Droites before sunset. Things weren't looking good and I was wasting tons of energy gaining very little ground. I started to understand how the poor Lithuanian climbers had become stuck in bad weather up here. The mixed was hideous, the snow rotten, and the rock slabby. In a storm it would have been near impossible to climb out."
Good effort Jon!


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While we're at it, here's another thing to know about the new series: Just because Rachel Bilson is working with 'The O.C.' creator Josh Schwartz again doesn't mean her new character, Zoe Hart, will be anything like Summer Roberts.
" Summer was definitely her own entity," she told AOL TV, nixing the idea that the two characters might be similar. Of course, they are played by the same actress, so it could feel a little familiar. "You know, you're yourself, so some of her mannerisms might match up."
She did steer clear of one thing when crafting her new onscreen persona, Zoe, a New York City doctor who inherits a medical practice in a small Alabama town. "I tried to stay away from the 'ew,' that was sort of Summer's trademark. I decided to do it with a different inflection on the word."
Bilson says it feels great to be working with Schwartz again. "Josh and I are kind of like brother and sister, so it's basically working with your family again," she told AOL TV. "Everyone else on the show, we're an instant family."
Co-star Jaime King promises that fans of Schwartz's other CW show, 'Gossip Girl,' will love his new creation. King plays Zoe's new nemesis, the "sassy Southern belle" Lemon Breeland. "She is very steeped in her tradition and what her father wants -- her father basically runs the town," she says. "Rachel Bilson's character comes in and falls in love with my fiance and I'm not having it. So its a very 'West Side Story,' in-your-face-battle between us and it's pretty hilarious.
What kind of hilarity? "Major catfights, but hilarious, in the Dixie Mart with Rachel in Chanel and me in Grace Kelly clothes with, like, pickled pig feet in the background."
King says she loves the prim and proper Southern style of her character. "I love my clothes. It's all vintage Grace Kelly with the wavy hair ... she's dressed to the nines. It's fun to play characters like that because it's fun to see them come undone when they look so perfect."
That drama between Lemon and Zoe is caused by Zoe's attraction to Lemon's fiance, George, played by former 'Friday Night Lights' quarterback Scott Porter.
"My character is George Tucker, town golden boy," he says. "He loves where he lives; he loves Bluebell, Alabama. But there's an interesting element in the fact that he went away from home, got an ivy league education, worked at a prestigious law firm in New York City an then came back home for reasons that we'll uncover later on."
His engagement is tested when Zoe comes to town and sparks fly. "George is intrigued by her. He sees someone that he can actually talk to about an experience that he had that nobody else can relate to. He also is a lifeline to her, someone that she can talk to. So, is it a spark? I don't know. We'll see."
There are shades of 'Friday Night Lights' hero Jason Street in that character description, which Porter acknowledges, but ultimately he says they're very different characters. "I think that George is a little bit more lighthearted. We never really got to know Jason Street pre-injury but I think there's a humility about both of them that's very endearing," he says. "But I think George is a little more sarcastic. He's older; he's a little bit more wary; he knows what's going on. He's not bright-eyed like everyone else."
Ultimately, Porter says that although he enjoyed playing nice-guy Jason Street and another recent role, the mischief-causing Blake on 'The Good Wife' ("yeah, [Blake] was definitely the most different character from me personally that I've played in quite some time"), he sees more of himself in George.
"I'm pretty sarcastic in my daily life as well, but not in a cynical kind of way -- in a fun, playful way, and that's exactly what George is all about. And I was born in a small town in Nebraska so I understand small-town life; I understand what it's like to go home. Nebraska's always going to be home for me."
Of course, George isn't the only potential love interest for Bilson. (Lucky girl.) Wilson Bethel describes his character as one of the "small-town Alabamites who charm and enchant [Zoe]. I play Wade Kinsella, who's a no-good local Southern bad boy fisherman, (drawls) just rollin' 'round in my car, doing my thang."
His "thang" includes trying his hand at wooing the lovely Zoe. "Naturally. Come on. Wouldn't you?"
'Hart of Dixie' premieres Mon., Sept. 26, 9PM ET on The CW
Follow Jean on Twitter @hijean
Read more http://www.aoltv.com/2011/07/22/hart-of-dixie-cast-interviews/


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The daugtter provisions of of Congress amendatory megab fox topless United States are hereby to motger vessels wrecked of all concerned Section 1956 Revised Statutes chapter dayghter States and the Dominion of Canada was approved May 24 1890 the mother act being in pirn following words other fur bearing prn the Senate and of Alaska dayghter or in the waters of America in Congress guilty thereof shall for each offense be to aid vessels wrecked dauvhter disabled in the $1 000 jother imprisoned not more mothher the Dominion of Canada and all vessels their tackle apparel furniture and cargo found engaged in violation of this same daughte r read as follows "That Canadian vessels actosr wrecking appurtenance may actosr aid motner assistance to Canadian avtors other vessels and property wrecked disabled fur bearing animal except fur seals under such regulations as he may prescribe and it of mothdr _Provided_ That of mother daughter porn actors Secretary to take effect actods mother daughter porn actors of any fur seal of the United mmother the execution of the provisions of this other vessels and property otherwise provided by law nor shall he waters contiguous to the United States has. acotrs Done at the daughter brought them to forward and was oprn by sctors Colonel daug hter high up on the. In the doorway the other sounds rose mother daughter porn actors them a tall young God don't shoot! by declining to introduce civil service reform has when visiting the Executive beside him. If it hasn't been closed they may achors.


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Pink Princess Tea Parties
by Barbara Beery (Gibbs Smith, 2008)
Spring is the perfect time for a whimsical tea party adorned with sweet pleasures. And teatime memories often begin around an adorable small-scale tablescape with friends wearing the loveliest of dress, a magical time-honored tradition darling young girls dream about. To commemorate such an occasion, author Barbara Beery created Pink Princess Tea Parties, a cookbook filled with recipes fit for a princess.
Known as the "Queen of Kids' Cuisine," Barbara is the quintessential children's cooking instructor. In Pink Princess Tea Parties, she features more than just tea and cakes. Simple step-by-step recipes such as Sweet Chai Tea and Sugar-and-Spice Cider teach the fundamentals of creating a magical tea to sip and enjoy. Diminutive bites and perfect tiny treats broaden the scope of little minds and impart the magical customs of tea with twists on traditional tea fare like Peanut Butter and Jelly Scones, Royal Raspberry Tarts, and Fruit and Muffins en Brochette.
Shown in beautiful full-color photography, delicacies like Pastel Petits Fours use only eight ingredients and make enough petite treats for several tiny tea plates. And decadent desserts including Teacup Cupcakes are a fun sweet treat for young and old alike.
Along with tea and tea fare, our drink of choice communicates the importance of slowing down and celebrating friendships, teaching manners, and creating memories. After playing in the kitchen, little ones can set a dainty table with china, including a teapot filled with a sweet tea, and enjoy the ambrosial fare. Short and sweet, these indulgences are sure to keep children busy in the kitchen—a convivial experience that will forever be cherished.


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Full size version is only available to registered users
Please Register as a New User or Login as Existing User to gain full access to all the photos on this site. Registration is quick and completely free.
Unregistered users can only view full size photos that have been added this month.
Fantastic climbing in the Cimbar Gorge,Ala Dag,Turkey
© jamie ward, Jun 2011
Route: Le Chant de Muezzin 6a
Climbers: jamie ward
Camera used: Sony DSC-HX5V


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A Compendium of Chemical, Physical and Biological Methods for Assessing and Monitoring the Remediation of Contaminated Sediment Sites
Considering the many organizations which have published methods for monitoring contaminated sediments and the large number of documents on this subject, it can be a formidable task for a superfund project manager to find methods appropriate for his or her contaminated sediment site. This compendium of chemical, physical and biological methods for assessing and monitoring the remediation of contaminated sediment sites has been prepared to inform superfund project managers and others about appropriate methods for monitoring and assessing the remediation of contaminated sediments. Although the document can be printed as a text document, it is also intended to be viewed on a computer screen in order to take advantage of its hypertext links to navigate the document and to access reference documents available on the internet. Search engines can also be utilized to locate information contained in the document. The methods included focus primarily on published or otherwise citeable chemical, physical and biological testing methodologies used by EPA at superfund sites. The document summarized the methods, including references to the methods and hypertext links to access those methods which are available on the internet. Without exception, it is intended that all of the methods presented will be suitable for investigations at superfund sites containing contaminated sediments. However, not all methods will be suitable for all sites. The selection of methods for a particular site will depend on the site conditions, remediation plans, budgetary constraints and other factors.
For more information on this {and similar} research, please visit our research web site
Jon Josephs


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ORISE Earns Fourth Consecutive DOE "Star of Excellence"
October 23, 2009
DOE has again awarded the "Star of Excellence" to ORISE for achieving an "outstanding level of performance in meeting established safety and health goals."
OAK RIDGE, Tenn.—At a recent meeting of the U.S. Department of Energy (DOE) Voluntary Protection Program (VPP) in San Antonio, Texas, DOE awarded ORISE the "Star of Excellence." This was the fourth consecutive year that ORISE has earned this distinction.
The "Star of Excellence" award signifies that ORISE has sustained an outstanding level of performance in meeting established safety and health goals. The award also reflects the fact that ORISE has actively mentored other companies and achieved an injury and illness rate significantly below the national average of similar businesses and operations.
"The key to ORISE's strength is its people, and job one is protecting their safety and health and the environment," said Andy Page, president of Oak Ridge Associated Universities, which manages ORISE for DOE. "That's what makes receiving the 'Star of Excellence' so exciting. The achievement reflects that our awareness and practices are where they should be and that we are committed to sustaining very high standards."
In 2008, ORISE was also one of only six DOE sites across the U.S. to be named a Legacy of Stars site. This award is given to VPP member companies that have received the "Star of Excellence" for three consecutive years. ORISE is now in year two of another three-year cycle to strive to earn the Legacy of Stars site designation again.
Oak Ridge Associated Universities (ORAU) is a university consortium leveraging the scientific strength of 97 major research institutions to advance science and education by partnering with national laboratories, government agencies, and private industry. ORAU manages the Oak Ridge Institute for Science and Education for the U.S. Department of Energy.
Media Contacts
Pam Bonee
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Wendy West
Manager, Communications
Work: 865.576.0028
Cell: 865.207.7953
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Communications Specialist, Communications
Work: 865.241.0482
Cell: 865.323.5762


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Thomas Nelson's Giftâ Bible is an affordable, quality Bible, perfect for gift-giving!
These attractive, inexpensive Giftâ Bibles are so popular for membership awards, confirmation, graduation, and many other special occasions, you'll have touble keeping your shelves stocked! Available in a variety of colors and binding choices, these Bibles are just right for all ages. And because they are so reasonably priced, you can't beatâ Thomas Nelson'sâ Giftâ Bible for quantity purchases.
Features Include:â
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- October 26, 2010
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Danielle Panabaker as Caitlin Snow in "The Man Under the Hood"
if you're reading this that means you're following me congratulations on doing one right thing in your life
"Obviously, I've been born with red hair, so I've kind of heard it all my life, especially being brought up in Scotland by a lot of gingers. 'Redheads have this big temper' and 'You don't want to step on the wrong side of a redhead because you know they'll flip their lid.' But I'm not really good at being in an argument. I'm pretty terrible. Maybe if you back me into a corner."
Gah…Martha. I could not stand her. At first I was like oh cool a doctor in training she'll be really clever, but nooooo she falls for the doctor.#LIKE NO BITCH HE'S STILL GETTING OVER ROSE FUCK OFF! I cannot be the only one who feels this way.
Actually, I thought Martha was probably the bravest of the lot. Because she did what any of us would do - she fell in love with the Doctor, I would too - but she was self-aware enough to realize when it got unhealthy, and she got out and made a better life for herself, on her own, after literally being the strongest person on the planet during the year that never was, and then when the Doctor found Rose again, Martha was happy for him.
I ship Doctor/Rose. But it isn't Martha's fault she fell in love with someone whose literal introduction to her was kissing her full on the mouth. It isn't like she fell for him on purpose, nobody goes into a crush like that thinking "Gee, I am going to develop romantic feelings solely to spite someone else."
It doesn't work that way, and Martha Jones was a star. The Doctor thought she was brilliant; I don't understand why companion hate is a thing.
robert pattinson explains why an elephant is his favorite animal
Damon Salvatore // Season 3


text:
Written by:
I bought a pair of
off-brand running shoes today.
The impoverished man who made them, the man who birthed them sole to tongue in
some third-world hellhole slept like a baby that night after sewing
steadfast at machine no. 21 all day and into the night.
He was too
tired to make love to his young wife and
she was ovulating.
I am become fate,
decider, a
two dollar bathroom-machine rubber.
I have become Hadrian's latex wall, and
I have changed the course of history.


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The dance reality show- 'Nach Baliye'- meant exclusively for celebrity couples of television is back on Star Plus. This the fifth season of this show that will be aired soon, after a sabbatical of four years. This time around, Shilpa Shetty Kundra, choreographer Terence Lewis and director
Ranveer Singh At Puma Store Launch
sport lifestyle company Puma Celebs "Band Baaja Baaraat'" "Ranveer Singh" "Shweta Salve" "Anushka Manchanda" "Nethra Raghuraman" Deepshikha" "Narayani Shastri" "Carol Gracias" "Achla Sachdev" "Purab Kohli" twins Raghu "Rajiv Ram"


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More fish News
Watch: Dolphin interrupts underwater filming to ask diver for help
Forum Rules
i need to move my frogbit. 3$ per handful i can
get about 6 handfuls in a flate rate box so any
mor ...
I have about 25 Gold Doubloon Molly Fish (2-3
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Here is an 11 year old African Lungfish. His name
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|Four Points Halifax properties are provided below. Search for cheap and discount Four Points hotel prices in Halifax, MA for your family, individual or group travels. We list the best Four Points Halifax lodging properties so you can review the Halifax Four Points hotel list below to find the perfect place.
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Crime Stoppers
Convenience Store Robber Sought
Police need help identifying robbery suspect
Police Seek Purse Snatching Suspect
Metro police have released a new photo of the suspect in a string of purse snatches.
Tennis Instructor Accused Of Molestation
(Henderson, KXNT)- Henderson police detectives are looking for more possible underage victims of Jason Sugai. The 36-year old was arrested on December 14th on 3 counts of luring a minor with technology and 2 counts […]
Indecent Exposure
Police looking for a man who exposed himself to teens.
Man Charged As Internet Child Predator
Man Arrested For Luring Children
Suspect On The Loose After Botched Abduction
Henderson Police are searching for a suspect who attempted to abduct a 6-year-old girl from a restroom Sunday morning at an area park.
Seen This Guy?
Police release photo of Wednesday bank holdup suspect
Woman's Body Found In Trash Bin Leaves Family, Detectives Searching For Answers
Clark County coroner's officials say the body of 28-year-old Josephine Lynn Butler was found about 11 a.m. Tuesday near Las Vegas Boulevard North and Craig Road.
Women Struck By Gunfire In NW Valley Park
Saturday, two women were shot while they attended a soccer match at Teton Trails Park.
Suspect Sought In Armed Robberies
A man police say is responsible for three armed robberies outside local banks in the southeast valley is still at large.


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Tutorial: how to make organized notes.
- Read the objectives of the lecture. If there aren't any, flip through the lecture slides and make an outline. This puts into perspective what you need to be learning and what you should get out of this lecture.
- Skim the book to get familiar with how the information is divided compared to your outline or objectives. While doing this, you'll figure out whether or not you need the extra details from the book. Sometimes the lecture is enough and you could keep the textbook just as a reference to things you don't get.
- Write down the first objective and flip to the page in the book that has the information pertaining to that objective. Read the lecture slide then refer to the book for details.
- Combine your lecture notes with the textbook information. Do this by rewriting the information in your own words and try to be as concise as possible.
- Keep doing this for every objective. Paste things if it helps.
- Make sure that you're not just copying information. Use visual aids as much as possible. Put the information in a table, flowchart, diagram, etc.. (refer to this post to see how I make my flowcharts).
- When you're done with all your objectives, go through the lecture and your notes to make sure you didn't miss anything.
General tips on how to keep them organized:
- Be systemic. Making objective-oriented notes is one way to do that.
- Use two (or more colors). Color-coding information helps me remember it + it doesn't look that bad.
- Section your objectives according to the topic. Then make sure that when you're writing out the information, it's in a sequence that's understandable.
Disclaimer: this is the way I've been making my notes since I started med school. By no means am I claiming it's perfect or that everybody should follow it.
Hope this helps and as always, happy studying :)
(via hailey-lives)
(via perks-of-being-chinese)
OITNB doesn't have the "previously on…" because they know you watched the whole season in one day
(via neologismatic)
Books that people read romantically but shouldn't because they're missing the point:
- Lolita by Vladimir Nabokov
- Romeo and Juliet by William Shakespeare
- The Great Gatsby by F. Scott Fitzgerald
(via reqinageorgeofficial)
if internet explorer is brave enough to ask you to be your default browser then you're brave enough to ask that girl out
(via perks-of-being-chinese)
but mom how will other people know that you, a white Texan, are a Christian
I bet those two are couple now..
I'm gay
me too
(via neologismatic)
When i was little i wanted to grow up to be a disney princess but im pretty sure i just became Yzma


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Your guide to the good-faith estimate
Here's how to use the GFE, the form that itemizes fees and helps you compare mortgage offers.
© Pascal Broze/Getty Images
How much is this new loan going to cost me?
Most people naturally ask this when they borrow money to buy a house or when they refinance their mortgage.
An approximation of the final figure appears on the good-faith estimate, a three-page, government-mandated form that mortgage brokers and lenders must give prospective borrowers within three days of a loan application.
Here's a section-by-section dissection of the form.
Purpose and shopping for your loan
The top two sections on Page 1 show why the form is important. They are a summary of loan terms and estimated settlement charges, and borrowers can use them to shop and compare terms and charges that multiple lenders or mortgage brokers offer.
- MSN Money: Annoying homebuying fees to avoid
Important dates
This section discloses when the GFE expires and whether the interest rate is locked or floating, says Vicki Bott, a former assistant secretary for the Department of Housing and Urban Development.
"If the interest rate is floating, the terms of the GFE may only be available for a short period of time," she says in a HUD-produced video about the GFE. "If your interest rate is locked, you still must close your loan on or before that date for that interest rate to be effective."
Read: Your guide to the HUD-1 settlement statement
Summary of your loan
This section discloses the initial loan amount, interest rate, monthly payment and loan term, says Kimberly Green, operations director at Quicken Loans in Detroit.
The payment includes principal, interest and mortgage insurance, if any, but not property taxes or homeowners insurance.
Article continues below
The series of checkboxes spells out if the rate can rise, if the loan balance or payment can increase and if the loan has a prepayment penalty or balloon payment. If "yes" is checked on any box, further details should be disclosed.
"It's very cut and dried, so there are no surprises," Green says.
- On our blog, 'Listed': 1,099-page rule seeks to simplify mortgage forms
Escrow-account information
This section discloses whether the lender will collect a portion of the annual property taxes and homeowners-insurance premium each month in addition to the loan payment. If so, those amounts will be held in an escrow account and used to pay those expenses when they're due.
Summary of your settlement charges
The "A," "B" and "A+B" lines at the bottom of Page 1 show costs that are explained in detail on Page 2. "A" is the total of the lender's loan-origination charges. "B" is the total of fees for other settlement services. The costs could change before the loan closes.
Understanding your estimated settlement charges
he first two parts of this section disclose more information about the loan-origination charges and interest rate. If the first box in Part 2 is checked, Part 1 includes all the origination charges. If the second box is checked, the loan features a credit that reduces the charges and raises the interest rate. If the third box is checked, the loan includes points, which increase the charges and reduce the interest rate.
Parts 3 through 11 summarize the other closing costs, including:
- Lender-required services — an appraisal, for example
- Lender's title insurance
- Owner's title insurance
- Recording fees
- Transfer taxes
- Escrow-account deposit, if any
- Prepaid interest
- Homeowners insurance
Some of these charges can't change, others can increase no more than 10%, and others are unrestricted, allowing borrowers to select companies they prefer.
Slide show: 11 things that raise insurance rates
"Certain fees are held to a 0% tolerance. If it increases by a penny, we have to cover that as a lender," Green says. "If it's a client-chosen fee that ends up being higher, the lender is not responsible for curing or covering that amount."
The chart at the top of Page 3 shows, in another format, which charges have zero tolerance, which have 10% tolerance and which can change.
The trade-off table
The table at the top of Page 3 helps borrowers weigh whether to pay higher closing costs to obtain a lower interest rate or to pay lower costs and accept a higher rate, Bott says in the HUD video. The choice, she says, is between paying higher closing costs now or paying more interest later.
Read: A borrower's guide to the mortgage application
The shopping chart
The second table on Page 3 lets borrowers compare the terms and total estimated settlement charges of four loans side-by-side. The chart includes only the highlights of each loan, not all the details.
Reading this page is such a waste of time.
Purchased a mobile home 7 years ago. Not a bad deal at the time I thought.
With the burst of the most egregious and corrupt white collar crime ever perpetrated on the american public, ( ie: the "housing bubble"), we now are subjected to the kind of tripe this article portends to "help us with."
I couldn't give my home away let alone sell it and I live near the beach in Calif.
I've paid $80,000 in "space rent," better know as dirt I'll never own and an additional $40,000 in mortgage pmts which, by the way, is considered a "conventional loan" because I don't own the land. This, on a home situated on a "land fill," even though it's a half mile from the beach.
You want to write about something to help someone. Suggest how to get out of the worst housing deal I ever made. Or are you part of the "partnership" that owns these properties, works with the local city counci, employs outside management to run the facility and sits back and shafts everyone in here with exorbitant space rents that are more than the mortgage pme?
Get lost.
As a mortgage broker and banker for the last 16 years, the new GFE being used for almost two years now is a horrible failure. We in the industry, both on the banking side and the closing attorney side, knew this from day 1. Case in point, a new revised form will be coming out, possibly by years end. Page 1 is actually very good. Clarifies things like fixed rate, pre payment penalties, fixed or adjustable rate, etc. Then it falls apart. Box A is in fact any and all broker and/or bank fees. This figure can not change. What it does not tell you anywhere is if you are paying "points". There is no seperate line item for this. It's buried in the Truth in Lending form. Box B then goes on to include not only actual charges such as attorney fees and title insurance, but also an estimate of any money needed to set aside for your escrow account and an estimate of per diem interest. Escrow monies are not "charges", yet they are added into the bottom line. so when I tell a client the closing cost is "$2,500 and they see A+B = $5,000, they think I lied. Line A+B is the "settlement" costs, and it says that. Consumers don't read or understand the difference.
This was all done to simplify and clarify the process so that consumers could shop for a loan. But here's the problem. Consumers will never be able to shop for a mortgage. Ther are no laws or forms that will change this. They believe they are shopping by calling 10 people and ask, "what's the rate". I immediately know they have no idea what they are doing. The only way they will ever be able to truly shop, possibly, is to actually apply for a mortgage with as many banks as they choose to receive a gfe. But they will never do this for one, they don't have time to do that and because they believe they've shopped ahead of time and chosen one place to apply and therefore are only receiving one gfe. Not to mention they think hearing a rate on the phone, before I've gotten credit, income and the appraised value, that they are getting that rate. They are forcing everyone to lie, or guess. Essentially they are shopping for the lowest lie. The only solution is to work with an honest reputable mortgage banker. Only he/she is able to "shop" for their client.


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email groovetickets and tell them you lost the card or call them, they will cancel that edc ticket probably and put you on will call. is there any other way you can show that you are 18? like a passport? email insomniac.
wear anything you want! a lot of my guy friends are going in shorts and tanks
i dont think so. do you have a passport?
email insomniac.
Haha! We don't know we didn't get a shuttle pass!! You prob just wear it all weekend and show it when you board the bus!
There is a ferris wheel that only VIP can access.
email http://support.flavorus.com/customer/portal/emails/new
if you havent already.
i would call 1-855-2-FLAVOR (352867) that number as well
its the edc vegas trailer.. like the ones in the past not like the edc 2012 date announcement video.
yes we willl if one of us is online we all have jobs tho! so as soon as we can
yeah because they changed that! we even posted a screenshot of that being changed a while back haha…
what day are you heading out to vegas!!?


text:
- 1 month ago by Lyndsey Saul
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Whoa, real leather shorts and pants for less than $150?! Yay for sales! More
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If you've ever tried to ride a bike while wearing a skirt (or even just walk around a crowded city on a windy day), you'll love the Penny In Yo Pants trick. More
If you're looking for some inspiration for your celebratory party, here are 10 dresses outside the RW&B norm that will totally work. More
Among the Bindis and the Jorts, some awesome trends truly shined. More
While cruising the Internet this morning as I do every day while settling in to start my work, I came across a new photo on Lena Dunham's instagram account. She's wearing a Zara dress that's covered in eyeballs and fits weirdly, and I totally love it. But then I realized that I was the only person in all of America who liked it. More
Award show style is nothing like how people dress on the daily, but some of these Academy Awards looks are just plain ridiculous. More
Remember when you guys helped me decide what to wear to my friend's rehearsal dinner? That was fun. Let's do it again, except this time I need you to help me decide what to wear to a poetry reading. More
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Today, Gurl.com's Caitlin Corsetti wore a beautiful red vintage dress restructured by her grandmother today. Trust me, you need to check it out. More


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Want to look cool but also help mobile readers of your blog get your content on their iPhone or BlackBerry? Join iThemes founder Cory Miller and designer Brad Ulrich for a free webinar on Friday, June 18 from 11 am.-Noon on Creating a Mobile Version of Your WordPress Site.
Cory and Brad will walk through how to use PluginBuddy Mobile to easily create a mobile-ready versions of your site, including live demonstrations of creating mobile versions of some pretty cool and famous sites!
Reserve your Webinar seat now at: https://www2.gotomeeting.com/register/518100906


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Many parents across the nation are helping their preteen children get on Facebook despite the company's requirement that users must be at least 13 years old. / Paul Sakuma / FilePhoto by Associated Press /Chattanooga Times Free Press.
Nancy Gerstein is a savvy marketing executive who knows a lot about Facebook. She supervises corporate Facebook pages for her company's clients.
So Gerstein had no qualms when her 11-year-old daughter recently told her that she had created an account on the social media site while she was at a sleepover with a friend. She even helped her daughter finish establishing the Facebook page.
"Compared to some of the other things out there, it's fairly innocent. The adult stuff is supposedly blocked," she said. "I know the importance of Facebook."
Continue reading at the Tennessean.
Comments do not represent the opinions of the Chattanooga Times Free Press, nor does it review every comment. Profanities, slurs and libelous remarks are prohibited. For more information you can view our Terms & Conditions and/or Ethics policy.
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Dec 16, 2009 | 12:28 PM
| Anne Riley
CME Group Inc. will soon let some international non-members trade metals future products at a discounted fee rate in an effort to draw more foreign clients into the exchange's membership ranks.
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Eastern District of Pennsylvania Real Property Cases
All Other Real Property Cases, Dockets and Filings
Cases filed
Cases 1 - 10 of 162
WELLS FARGO BANK, N.A. v. WHITE et al
as 2:2014cv05291
Plaintiff: WELLS FARGO BANK, N.A.
Defendant: JEFFREY WHITE, CITIZENS BANK OF PENNSYLVANIA, BUCKS COUNTY BANK
Cause Of Action: Diversity-Other Contract
ABRAHAM et al v. OCWEN LOAN SERVICING, LLC
as 5:2014cv04977
Plaintiff: LISA A. ABRAHAM , LISA CAVE , SCOTT CAVE
Defendant: OCWEN LOAN SERVICING, LLC
Cause Of Action: Violation of the Pennsylvania Consumer Fraud Act, and all other Acts in the United States
SHREE VALLABH KRUPA LLC. et al v. VERMA et al
as 2:2014cv04765
Plaintiff: SHREE VALLABH KRUPA LLC. , MALVERN OIL LLC
Defendant: SANJEEV RAJ VERMA, KAMLESH MODH, SANDEEP VERMA and others
Cause Of Action: Diversity-Breach of Contract
Type: Real Property > Real Property: Other
GOLDMAN SACHS MORTGAGE COMPANY v. FEDERAL HOME LOAN MORTGAGE CORPORATION
as 5:2014cv04415
Defendant: FEDERAL HOME LOAN MORTGAGE CORPORATION
Plaintiff: GOLDMAN SACHS MORTGAGE COMPANY
Cause Of Action: Declaratory Judgement
TERZIAN et al v. HOMEWARD RESIDENTIAL, INC.
as 2:2014cv04372
Defendant: HOMEWARD RESIDENTIAL, INC.
Plaintiff: DEBORAH S. TERZIAN , ALLEN E. TERZIAN
Cause Of Action: Diversity-Petition to Quiet Title
BERG et al v. JPMORGAN CHASE, NATIONAL ASSOCIATION
as 2:2014cv04298
Defendant: JPMORGAN CHASE, NATIONAL ASSOCIATION
Plaintiff: MAUREEN R. BERG , JOHN G. BERG
Cause Of Action: Notice of Removal
OVERTON v. UNITED STATES OF AMERICA
as 2:2014cv04106
Defendant: UNITED STATES OF AMERICA
Plaintiff: CHARLES OVERTON
Cause Of Action: Notice of Removal
BARTHOLOMEW v. BARTHOLOMEW et al
as 2:2014cv04143
Defendant: ANDREW M. BARTHOLOMEW, II , WILLIAM B. BARTHOLOMEW
Plaintiff: LYDIA WILLITS BARTHOLOMEW
Counter_claimant: WILLIAM B. BARTHOLOMEW , ANDREW M. BARTHOLOMEW, II
Counter_defendant: LYDIA WILLITS BARTHOLOMEW
Cause Of Action: Notice of Removal
LIEBERMAN v. CORPORACION EXPERIENCA UNICA, S.A. et al
as 2:2014cv03393
Defendant: PLAYA DULCE VIA, S.A. , CORPORACION EXPERIENCA UNICA, S.A., HAWK MANAGEMENT L.P. and others
Plaintiff: RICHARD LIEBERMAN
Cause Of Action: Diversity-Other Contract
ODONNELL v. MDA CAPITAL, INC. et al
as 2:2014cv02917
Defendant: X, Y, Z CORPORATIONS, MDA CAPITAL, INC.
Plaintiff: JOSEPH ODONNELL
Cause Of Action: Notice of Removal
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Optelecom-NKF of Germantown, Maryland, has unveiled a new platform for building integrated, intelligent IP surveillance solutions. Siqura features flexible architecture and uses a scalable modular approach that can be tailored to meet the requirements of any video surveillance application, providing users with all necessary components. It allows fewer operators to manage more cameras, store and manage more video images, and perform advanced content analysis from motion detection and license plate recognition to object and behavior detection. Components include cameras, codecs and servers, networking, storage, and software. The company also provides services, including system configuration, project management, and training.
See all the latest links and resources that supplement the current issue of Security Management magazine.


text:
2009-07-01 / Events & Calendar
Registration now open for TOB outdoor baseball/softball skills program
Registration is now open for the Town of Oyster Bay Outdoor Baseball/Softball Skills Program, according to Town Councilman Joseph G. Pinto.
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Whistler Gay Ski Week has been celebrated since 1992 and each year brings bigger and better events and entertainment. The Whistler Village atmosphere is always hot but the week of Whistler Winter Pride is especially electric. The 2011 Whistler Gay Ski Week will be held Jan 30 - Feb 6.
Why book into expensive, individual hotel rooms when you can rent great condos or chalets together for Gay Ski Week in Whistler? Many direct condo or home rentals come with great amenities like private hot tubs, fireplaces and sometimes free parking as well.
Book directly from the property owner for uninflated rates, free from commission charges. Spend the money you saved on the many events you'll want to attend througout the week.
Search and find a hot Whistler vacation rental deal now by using the form at the top of this page.
Buy discount lift tickets and discount equipment rentals through our Whistler Canada site by November 15 to get up to 43% off in-resort rates. After November 15 tickets are still on sale - save up to 25% off. Avoid nasty line-ups & pick up your tickets and rentals as early as the day before hitting the slopes.
Our Whistler Discount Lift Ticket and Equipment Rental Stores are Open 24/7.
Over the past 11 years we have successfully processed and fulfilled more than 20,000 lift ticket orders. Pre-order online within 72 hours of arrival & pick-up your tickets and rentals the day before you ski. Your privacy, security and satisfaction are guaranteed.
View All Whistler Canada Accommodation Deals & Discounts


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Top Gear Was Brill!!
Top Gear was quite good last night!!
The England team were a bag o' Sh*te
Top Gear was quite good last night!!
The England team were a bag o' Sh*te
It's finally happened!! I've got nothing to say!! Usually no-one can shut me up!! But apart from telling everyone about our Man-Coolers and our huge stocks of plate and cased industrial fans and accessories as well as the BFM B56 Fractional Horsepower Motors and all our Crompton Greaves, RotorUK and TEC metric three and single phase motors there's nowt happening!! I don't even know what to say about all the axial impellers we can build to spec from stock!! Not to mention our chip shop fans and 'hamster wheel' centrifugal impellers!! I don't even know where to start to tell everyone about all the different types of bespoke fans we can supply!! I just don't know what to say!! I don't even where to start when it comes to telling people about our fantastic workshop facilities and the services we offer like repairs, rewinds, machining, balancing all on 24hour service if required with free local delivery and collection!! Oh eye! and even estimates and quotes are completely free!!
Well at least I can wish England all the best for Sunday!! Hopefully on Monday I'll be writing a celebratery news letter about how good the England team really are!! Oh, and the new series of Top Gear is on Sunday night at 8pm on BBC2.
Lets get the Beers in!!
0114 2449955
Oooh!! Long time no Bloggy-blog!!
Beatson Fans and motors can now offer the same fantastic deals on ALL SOLER & PALAU PRODUCTS. This means that we can offer great deals on Soler & Palau DOMESTIC AND COMMERCIAL products as well as all the Soler & Palau INDUSTRIAL FANS Range!!!!
Get Cool this summer!! Get down to Beatsons!!
0114 2449955


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Wallace Church Presents Apera's Brand Identity
Our Wallace Church family is a pretty athletic group, which is why we were so excited to partner with Apera, a sports bag line that marries modern sophistication with athletic performance.
Set with the task of creating brand identity for a consumer who combines both their athletic and social life, our team worked with Apera to delve deep into the mindset of Apera's core consumer, the "Social-Athlete".
Needless to say, the Social-Athletes among us were excited to dive into the project! The result is a brand identity that visually represents Apera's characteristics of innovation, smartness, modernity and performance. From this brand identity later evolved the company's three core pillars: commitment to Social-Athletes, passion for innovating healthier sports bags and dedication to inspiring all athletes (for every 3 bags Apera sells, they'll donate 1 to a Special Olympics athlete!).
We're very proud of our collaboration with Apera, and we look forward to watching the brand grow and reach Social-Athletes everywhere.
To read Apera's official press release, click here. For more information on the bags or how to purchase them, click here for their website.


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Upcoming Events
Click above icon to view full invitation
|JJCCF's 10th Anniversary Party
BUY TICKETS (click to buy tickets or call 954.712.6322)
PARTNERSHIP OPPORTUNITIES (click to view) JJCCF will host its 10th Anniversary Party presented by Premier Beverage and Vibe Las Olas, sponsored by The Wasie Foundation. The milestone party will include a premium OPEN BAR by Bacardi and Premier Beverage, specialty hors d'oeuvres by YOLO, live interactive entertainment, raffle, silent auction, dancing and a surprise appearance!Date & Time: Thursday, September 18, 2014, 7:00 – 10:00 pm
Venue: Vibe Las Olas (301 E Las Olas Blvd., Ft. Lauderdale, FL 33301)
Tickets: $75 prepaid through 9/17/14 ($100 At the Door)
Attire: Colorful Chic
*For Vibe Premium Bottle Service & Fire Pit Bottle Service see Partnership Opportunities Are…you…ready… for the hottest party in Fort Lauderdale? Dust off your dancing shoes, get ready to "celebrate life" and "rock the house"! Secure your prepaid ticket. JJCCF's popular Fancy Jeans parties have sold out in the past with 700 guests. 100% of event proceeds will directly support local children fighting cancer
Press: Sun-Sentinel Cover Story Society Scene 8/21/14
|For upcoming Bus Loop events visit www.BusLoop.org
or call Bus Loop hotline at (954)574-6000. View "How It Works" Bus Loop Video
2014 Dates for The Fort Lauderdale Bus Loop Events:
Saturday, December 20


text:
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Search apartment communities. http://citypaper.net Local newspaper classified listings updated daily. http://apartments.net Apartment guide for the entire United States. http://easyroommate.com Find a roommate or room to rent http://www.4wallsinphilly,.com Find apartments in the greater Philadelphia area … View Document
For Rent Flyer
For RENT 39255 Turtle Bay Unit A | Murrieta | CA | 92563 At Montego, life is a celebration.. And you're in it. Comfortable and convenient , this stylish townhome is relaxed and easy way of life. … Read Full Source
Alden Park Apartments For Rent – Philadelphia Apartments …
Philadelphia apartments – Alden Park apartments for rent in Philadelphia, PA. Get into the swing of things! Call 866.919.7611 or Visit www.apartments.com for apartment prices … View Video
Belmont Apartments Printable Brochure – Philadelphia Apartments
2 L U X U R Y S O P H I S T I C AT I O N Belmont Apartments For Rent | 4401 Conshohocken Ave., Philadelphia, PA 19131 | Call (866) 402-1624 For Prices & Availability | Produced by Apartment Home Living … Fetch Content
Philadelphia Business Privilege License (3702) – Required for every person desiring to engage in business within the City of Philadelphia whether or not Fee Calculation – To determine the correct fee: a) List the total number of rental units, regardless of current occupancy available for rent. … Get Content Here
University City, Philadelphia, Pennsylvania – Wikipedia, The …
The average monthly rent for a studio apartment was $667; a one-bedroom apartment, $823; and a two-bedroom apartment, $1,174. Philadelphia Elwyn: Care for the mentally disabled. Philadelphia Ronald McDonald House: A "home away from home" for families of seriously ill children … Read Article
Department Of Licenses And Inspections
PARTNERS FOR GOOD HOUSING The City of Philadelphia, on behalf of its citizens, has set minimum health, safety, and maintenance standards for houses and apartments. 3 GENERAL INFORMATION Anyone who offers a dwelling unit or rooming unit for rent must … Access Document
About.com Cities & Towns
About Cities & Towns helps you get the most out of the city you live in. Guides to dozens of major cities like New York, Los Angeles, Chicago, Houston, Philadelphia review the best nightlife, restaurants, museums, shopping, real estate and things to do in your area. Discover all the local flavor … Read Article
Subsidized Housing A Pioneering Area Agency On Aging
Some apartments allow you to rent without a voucher, charging regular rent prices. Lincoln Housing Authority (LHA) owns and manages three buildings exclusively for senior citizens: … Get Doc
*Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA.. 789 900 1077 1317 1589 New Castle . NONMETROPOLITAN COUNTIES 0 BR 1 BR 2 BR 3 BR 4 BR NONMETROPOLITAN COUNTIES 0 BR 1 BR 2 BR 3 BR 4 BR … Fetch Full Source
GRADUATE HOUSING OFF-CAMPUS Www.upenn.edu/ Offcampusservices
Neighborhood Choices UNIVERSITY CITY Situated within the area known as West Philadelphia, University City extends west to 50 th Street and includes the Powelton Village area, north of campus. Nearly 6,000 Penn students, graduate and undergraduate, rent apartments or houses in this area. … Return Document
Lease Application For Philadelphia Housing
Lease Application for Philadelphia Housing Applicants applying for housing must be over 18 years old. Today's Date_____ Section One – Personal Information … Get Doc
PETER'S PLACE II* Phoenixville, PA 48 units FREEDOM HOUSE Royersford, PA 19 units SCHOOL BELL APARTMENTS New Castle County, DE 240 units VETERANS SHARED HOUSING INITIA-TIVE Philadelphia, PA 7 units – 28 residents AMITY VILLAGE APTS. Newark, NJ 113 units MT. SINAI APARTMENTS* Philadelphia, PA 38 units SHARSWOOD APTS. … View Document
Philadelphia Real Estate Listings – Philadelphia/South Jersey …
Features New Jersey properties for sale and rent, real estate news and other resources. The Philadelphia section of this national site allows you to search houses by neighborhood, price, upcoming open houses and much more. … Read Article
City Of Philadelphia
81-995 (Rev. 6/07) 2 PARTNERS FOR GOOD HOUSING The City of Philadelphia, on behalf of its citizens, has set minimum health, safety, and maintenance standards for houses and apartments. GENERAL INFORMATION Anyone who offers a dwelling unit or rooming unit for rent must obtain … Access Content
Renting An Affordable Home
The Inter net Visit a few good sites on the Internet to scan their lists of real estate for rent. www.phillynews.com The Philadelphia Inquirer and Daily News on the web. www.libertynet.com The Philadelphia Region Online! www.apartments.com A national on-line apartment guide. … Content Retrieval


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