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Browse and search white papers and mission & technology studies received by the Planetary Science Decadal Survey. Click here for basic user instructions.
Title: Astrobiology Research Priorities for Mercury, Venus, and the Moon
Primary Author: Ariel D. Anbar
Secondary Author(s): David Grinspoon, Sean C. Solomon, G. Jeffrey Taylor
Institution: Arizona State University
Summary: This paper describes the value of exploration of Mercury, Venus and the Moon for the field of astrobiology and specifies high priority goals.
Panel Selection: Inner Planets: Mercury, Venus, and the Moon.
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Black Orchid
Black Orchid
Eau De Parfum
by Tom Ford
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- Year Introduced: 2006
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The library's birthday bash features hors d'oeuvres, dancing, and a silent auction. The menu for the night will include stuffed mushrooms, swedish meatballs, bacon wrapped shrimp, cheese, vegetables, a carving station, and a pasta station. Coffee and soda are included, bar is cash.
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Your pharmacy benefits are provided under the County's self-insured pharmacy plan through Catamaran. Some of the plan features include: an open formulary with four tiers of coverage at affordable copays, a large network of participating pharmacies, and a 90-day mandatory maintenance medication program (excludes specialty.
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Wellness Incentive - Pharmacy Waiver programHuman Resources is pleased to reintroduce the Pharmacy Waiver program with a significant enhancement: Spouses/Domestic partners will be eligible to participate. Employees and eligible spouses/domestic partners who are enrolled in the County's health insurance can benefit from the program which covers, at full cost, maintenance medications for certain disease states. More...
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Briova Rx is Catamaran's specialty pharmacy provider. They will assist members with their specialty medications to ensure safe and effective administration. Briova Rx provides free home delivery to your home/work address. Please contact Briova Rx for more information regarding specialty pharmacy. Contact InformationMember Services: 855-427-4682Visit BriovaRx
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Judy Wight knew when she saw a picture of Madeline in a rescue kennel four years ago that she had to bring her home. The red-brown coonhound-mix dog became part of the family for Wight and her husband, Thomas Williams.
"Maddie was our first dog, and we love her dearly," Wight said.
On Dec. 3, Madeline ran away from a dog walker not far from her home in Rockville, Wight said.
In an effort to find her dog, Wight and Williams have printed thousands of flyers and signs, made calls to animal shelters, and organized friends to canvass a neighborhood where Madeline might be, asking people if they had seen the lost dog. They have also set up a robocall in the area, hired a pet detective and offered a reward for Madeline's safe return.
Wight has two Facebook pages dedicated to tracking possible sightings of Madeline. She said she gets a lot of calls by people who have seen dogs resembling Madeline, but hasn't been able to confirm whether most of them are her dog or not. Calls have come in from as far away as Olney, Kensington and Silver Spring.
"It's a bit of a mystery," Wight said. "There seem to be a lot of medium-sized tan dogs running around."
Wight said she has brought a tracking dog to some of the places where people reported seeing Madeline. The tracker got a hint of Madeline near the Garrett Park MARC station before Christmas, but Silver Spring, where the more recent calls have come from, yielded no clues.
The most likely sightings have come from the Kensington area, so Wight set up a motion-activated camera and some food to see if she could catch sight of Madeline herself. So far, no luck, but Wight isn't giving up hope. She said if she can bring Madeline home, all her hard work will be worth it. Until then, she counts on people to keep calling with tips to help focus her search.
"Overall, people have been really kind and helpful," Wight said.
To follow Madeline on Facebook, visit facebook.com/madeline.wightwilliams or facebook.com/BringMadelineHome. To report a sighting of the dog, call 301-728-2771.


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La solicitud de membresia sólo se ofrece en inglés.
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Spring Home Maintenance ChecklistThursday, April 24, 2014Pat Mertz Esswein, Associate Editor, Kiplinger's Personal Finance
As you go about your annual spring-cleaning ritual, take a few additional steps to save money on energy bills this summer, improve your home's appearance and ward off big-ticket repairs later.
Here are 18 things for you (or the handyman) to tackle now to help prepare your home for the warmer months and keep it in top shape.
For about $75 to $200, a technician will tune up your cooling system to manufacturer-rated efficiency -- and you won't sweat the first hot weekend with an out-of-commission air conditioner.
Look for a heating and air conditioning contractor that belongs to the Air Conditioning Contractors of America, employs technicians certified by the North American Technician Excellence (NATE) program and follows the protocol for the ACCA's national standard for residential maintenance. Call your electric utility to see whether it offers incentives.
Note: Dirty filters make your air conditioner work harder, increasing energy costs and possibly damaging your equipment. Check them monthly and replace as needed, or at least every three months.
Air conditioners draw moisture from interior air, called condensate, which must run off outside. If sediment and algae clog the drains, water may back up, making your home more humid or creating water damage. Technicians will check the drains during a tune-up. If they come for an emergency clean-out, it could cost up to $150.
If you live in a humid climate, you may want to check and clean the drains yourself periodically. With an initial investment of $20 to $250 for a programmable thermostat, Energy Star says you can save about $180 annually on cooling and heating bills -- if you can live with higher indoor temperatures in summer (and cooler temperatures in winter). Set the "hold" or "vacation" feature for a constant, efficient temperature when you're away for the weekend or on vacation.
In summer, you can make those settings more tolerable if you install ceiling fans. Just remember that a ceiling fan cools people, not a room, so turn it off when you leave the room.
Also, take a moment to clean them. Remove a unit's front grill, then its air filter, and clean dust and dirt from the filter. Check the filter monthly throughout the cooling season.
If you live in a hot, dry climate and cool your home with an evaporative, or "swamp," cooler, you must drain and clean the cooler seasonally to remove built-up of sediment and minerals.
Energysavers.gov says that the more a cooler runs, the more maintenance it will need, requiring that you look at the pads, filters, reservoir and pump at least monthly. For more information on evaporative coolers, visit www.h2ouse.org.
If the gap around a door or window is wider than a nickel, you need to reapply exterior caulk, says Bill Richardson, past president of the American Society of Home Inspectors. Check window-glazing putty, too, which seals glass into the window frame.
Add weather-stripping around doors, making sure that you can't see any daylight from inside your home. You'll save money on air conditioning and you won't have to repeat this task in the fall.
Nature's detritus -- decomposed leaves, twigs, and spring petals and seeds (think maple-tree "helicopters") -- may be worse in spring than in fall. Gutter cleaning generally costs $90 to $225 for a 2,000-square-foot home (with about 180 linear feet of gutter).
Add extensions to downspouts to carry water at least 3 to 4 feet away from your home's foundation. You can use 4-inch corrugated plastic pipe (about $6 for 10 feet).
An easy way to inspect the roof to find damaged, loose or missing shingles without risking life and limb is to use a pair of binoculars. If need be, hire a handyman to repair a few shingles ($95 to $125 for asphalt shingles, according to www.costhelper.com). If the damaged section is more extensive, you'll need a roofer (who will charge $100 to $350 to replace a 10-by-10-square-foot area). Check and repair breaks in the flashing seals around vent stacks and chimneys, too.
If your home has a flat roof with a parapet (a short wall around the perimeter), look for wear and tear in the roof surface. Check the flashing that seals the joint between the parapet and roof. Heavy snow can split the flashing, resulting in leaks. If you need repairs, look for a roofer at the Web site of the National Roofing Contractors Association.
Clean out any roof drains or scuppers (openings in the parapet that allow water to drain) to avoid ponding; which could damage your roof, and cause leaks below. A "roof repair" or "sewer and pipe cleaning" company can help.
If dark streaks and stains blight a light-colored roof, it has an algae problem (dark roofs may have it, too, but you can't see it). You can get rid of it temporarily by using a garden sprayer to apply a 50/50 solution of water and bleach, which you rinse after 10 to 15 minutes. (Before you start, wet down or cover plants below.) Don't scrub or pressure wash lest you damage shingles.
You can hire a professional roof cleaner for about 20 to 30 cents per square foot, according to www.costowl.com. Look for one that belongs to the Roof Cleaning Institute of America. Roof cleaning can also restore cedar-shake and tile roofs to their original brightness.
Spring-clean your home's exterior to remove accumulated dirt, mold, stains and the like from the siding, deck, sidewalks, driveway and garage floor, fences, and lawn furniture. You can rent a pressure washer for $40 to $75 a day or hire help for 8 to 80 cents per square foot, according to CostHelper.com, depending on the amount and type of crud.
It's only when the windows are clean and the spring sun shines in that you'll realize how dirty they were. If this task isn't on your DIY list, you'll generally pay $2 to $7 per pane for a pro to do the job. And don't forget the screens (50 cents to $5 per screen, depending on size). You may have to pay more for cleaning on a third or fourth story.
Before washing the glass, clean out the sills and window tracks with a soft brush or vacuum attachment. Pour a small amount of water into the sill to ensure that weep holes, which drain rainwater to the exterior, aren't clogged up. If the water doesn't exit, use a piece of thin wire to gently clear the hole. Window washers may charge extra to do this.
Fix any breakdown in concrete or asphalt before it worsens. You can patch or fill surface cracks, chips or flaking in concrete yourself using cement-repair products, such as those made by Quikrete (to learn how, search for "fill concrete cracks" at YouTube.com). For deeper cracks, settling or sunken concrete, or frost heaves (when moisture beneath the concrete has frozen and jacked up the slab), call a pro, whether a handyman or a concrete contractor (www.concretenetwork.com). For approximate costs by project, visit CostHelper.com and search for "Concrete Repair Cost."
Asphalt is harder to work with, so call a pro. Look for a member of the National Asphalt Pavement Association or look under "paving contractors" in the Yellow Pages.
To increase the longevity of your driveway, have asphalt resealed every two to five years, depending on climate and wear patterns, and have concrete resealed every one to three years (you can probably do the concrete job yourself). A sealing contractor may charge $233 to seal a typical 20-by-50-foot driveway in good condition, according to DIYorNot.com.
An informal survey of homeowners reveals that the vast majority would rather have multiple root canals than cope with a basement that periodically gets wet. If you have a sump pump, make sure it's operating properly (see the discussion of sump pumps at www.statefarm.com, or call a plumber).
If water seeps through the foundation walls (does your basement smell musty? are the walls stained?), the best solution is probably to excavate the exterior wall and apply a waterproofing sealant (about $30 per square foot of below-grade wall), and install a wall and footing drainage system, says professional engineer Kenneth Fraine, of Leesburg, Va. Fraine says that if your home is on a slope, an exterior drain pipe leading away from the foundation (about $1,000) is better than a sump pump. "Gravity never fails," he says.
Resealing is always a good idea to protect the wood. But more important, before you invite the clan for a reunion, make sure your deck can handle the load. The North American Deck and Railing Association says that deck components inevitably age, but that salt air can hasten deterioration and heavy snow can cause stress damage.
At a minimum, test several areas of the deck for decay, especially those that tend to stay damp. Two signs: The wood is soft and spongy, and it doesn't splinter if you poke it with an ice pick or screwdriver. (For a complete checklist, visit www.nadra.org, or find a home inspector at www.ashi.org.)
At the end of the heating season you'll have no problem getting an appointment. Look for chimney sweeps certified by the Chimney Safety Institute of America. The sweep will make sure that the chimney caps are in place and the damper is working properly. With a wood-burning fireplace, you can close the damper whenever the fireplace is not in use. In summer, you'll save energy and reduce unpleasant odors carried by the inflow of air and aggravated by humidity.
For the greatest energy savings, insert a fireplace "draft stopper" in the flue, preferably after you've had the chimney cleaned.
A dull lawn mower blade doesn't slice, but instead tears grass, leaving it vulnerable to disease, sun damage and insects. A blade typically needs sharpening once or twice a year, or more often depending on how big your yard is, how frequently you mow and the type of grass you have, according to the University of Florida.
You should also tune up your lawn mower after every 25 hours of use to increase its efficiency and reduce polluting emissions. Follow the manufacturer's instructions to change the spark plug(s), oil and oil filter (or clean it). A pro tune up will cost an average of $75, but you can do the job yourself for about $15 -- the cost of oil and parts.
If you have an irrigation system, you may be overwatering (and wasting money on water bills) because a controller isn't properly set for your yard's needs or because of broken or leaky components. Many Western communities offer an audit for free, but you must fix any problems it identifies.
Even if you clean your clothes dryer's lint trap before every use, the vent accumulates lint over time, like plaque in your arteries, says Richardson. That's especially likely if snow covered the exterior backdraft damper for a while last winter.
A clogged vent can reduce your dryer's efficiency and create a fire hazard. If you're up for doing it yourself, check out this how-to guide to dryer-vent cleaning from About.com.
Copyright 2014 The Kiplinger Washington Editors
7 Features Home Buyers Want MostTuesday, May 27, 2014By Andrea N. Browne, Online Editor, Kiplinger.com
Homeowners are sometimes hesitant to upgrade when it's time to sell. After all, you won't be living there much longer, and home remodeling efforts only increase home values by 66.1% of the average project's costs, according to Remodeling magazine's 2014 Cost vs. Value report.
But think again, sellers. The cost of inaction can be far greater than the small loss you'll incur on any home-improvement projects. "It can mean the difference between getting multiple bids at once and driving up the selling price or getting no offers," says Brian Lewis, a real estate broker with Halstead Property, a New York-based realty firm. As your house lingers on the market, you'll likely pay ongoing mortgage, maintenance and staging costs.
We've already highlighted several household features home buyers hate, including popcorn-finished ceilings, brass fixtures and vanity strip bathroom lighting. Now, consider what buyers want to see -- and what it will take to add such features to your home. Take a look at 7 popular features that will help your home sell faster.
Separate Laundry RoomPercentage of buyers who want this feature: 93%Cost to renovate: $2,637 - $3,077 for an 80-square-foot space
Fifty-seven percent of home buyers say they wouldn't buy a home without a laundry area. "Having a separate room [to use for things such as folding or ironing clothes] helps to keep the mess out of your living space . . . Potential buyers will see it as a huge benefit," says Paul Sullivan, founder and president of the Sullivan Company, a Newton, Mass., remodeling and custom-building firm.
The estimated cost is for a laundry room renovation and includes replacing existing cabinetry, countertops, the sink and flooring, painting the walls, and updating the plumbing and lighting fixtures.
Exterior Lighting
Percentage of buyers who want this feature: 90%Cost to install: $150 to $250 per fixture
Homes with exterior lighting help grab potential buyers' attention before they even set foot in the front door. In fact, exterior lighting is the most-wanted outdoor feature, according to NAHB. "Exterior lighting -- specifically, wall lanterns and landscape lights for accent plus above ground spotlights aimed at the front wall -- make an attractive first impression and enhance curb appeal after dark," says Neil Parsons, owner of Design Build Pros, a Toms River, N.J., remodeling firm.
Energy Star-Qualified Windows
Percentage of buyers who want this feature: 89%Cost (including installation): $270 - $800 per window
Swapping out your old windows for new fuel-efficient versions will help your home stand out to buyers looking to cut down on utility costs.
Energy Star-qualified windows, which can help reduce energy bills by up to 15%, come equipped with an invisible glass coating, vacuum-sealed spaces filled with inert gas between panes, sturdier weather stripping, and improved framing materials -- all of which reduce undesirable heat gain and loss in the home. "Buyers are most impressed with smart, energy-efficient choices that in no way limit their comfort, but in every way save them money in the long run," Lewis says.
Garage Storage Space
Percentage of buyers who want this feature: 86%Cost to install: $2,025 - $2,363 for a 380-square-foot space
Buyers with growing families are going to need lots of storage space. "A seller should ensure that such bonus space is easily accessible and wonderfully organized," Lewis says. Additional storage units located in the garage help to keep clutter out of the main living areas of the home. Unlike an attic or backyard shed, the garage is accessible -- generally just a few steps away from the front door, making it easier to transport items such as tools or patio chairs or boxes of toys to and from other parts of your house.
The installation cost includes adding cabinetry, a peg wallboard for tools and improved lighting and electrical circuits.
Eat-In Kitchens
Percentage of buyers who want this feature: 85%Cost to install: $1,000+
Eat-in kitchens are a must-have for many home buyers, especially families with children. "[It] adds soul to a home," Lewis says. It's a space where families often congregate in the morning for breakfast before the kids head off to school or parents to work. Or in the evening for dinner, so everyone can share highlights from their day.
If you're looking to maximize space by knocking out a wall to allow for a small table and chairs in your kitchen, you should first determine whether the wall is structural or load bearing, Parsons says. Another concern is the possibility of mechanicals in the wall, such as plumbing, duct work and electrical wiring, that may need to be removed, he adds. Lastly, once an interior wall has come down, the flooring material that surrounds the drywall and base molding will need to be patched up. Removing a wall is relatively inexpensive, but that price can quickly escalate if there's additional repair work that needs to be done, Parsons warns.
Walk-In Kitchen Pantry
Percentage of buyers who want this feature: 85%Cost to install: Varies depending on design and location
Additional storage space in the kitchen is a big plus for potential home-buyers. Walk-in pantries that have built-in organization systems to stash food and food-prep items out of sight help make an already-tight space feel less cluttered. "The key is [having] strong adjustable shelving that allows people to change things around as their needs change," Sullivan says. It's a bonus if your pantry also allows you to neatly tuck away mops and brooms, he adds.
Wireless Home Security System
Percentage of buyers who want this feature: 50%Cost to install: $100 - $300
It's the digital age, and tech-savvy buyers are looking for places to call home that have lots of modern conveniences. Wireless home security systems rank the highest among technology features buyers would like to have most, according to NAHB. Systems that can be easily controlled by a tablet or smart phone app are especially attractive to buyers, Parsons adds.
Installing a wireless home security system is less expensive than a hard-wired version and doesn't require professional assistance to install.
The Upsides of Downsizing Your HomeSunday, March 02, 2014By Pat Mertz Esswein, Associate Editor, Kiplinger's Personal Finance
It can happen when the kids leave home or retirement looms or your first grandchild is born hundreds of miles away. You start to think about leaving a house that's now too big for you and downsizing to a smaller house or condo or a retirement community.
After launching three sons from their home of 23 years, Mike and Patty Denevi, both 61, of Los Gatos, Cal., shared an epiphany. "We realized that we spent all our time in our home's kitchen and bedroom. We didn't really need this house anymore. What were we doing here?" says Mike. "We thought, Wouldn't it be fun to live near downtown?"
The Denevis listed their 2,056-square-foot home with four bedrooms and three bathrooms for just over $1 million in early 2011. (The Bay Area is the most expensive housing market in the U.S.) While they waited for their home to sell, they shopped for their next one. They found a 1,563-square-foot condo with two bedrooms and two baths on a single level that backs up to the high school soccer field. The Denevis paid $669,000 in cash after they sold their home for $950,000. They pay $680 a month in condo fees.
The Denevis are closer to their church and to restaurants and entertainment. The single level is a boon for Patty, who has arthritis. Mike, who works in commercial real estate, has a short commute--on foot--to his gig coaching high school baseball and his senior baseball league.
As the Denevis found, downsizing frees you from the cost and time commitment of maintaining a home that's simply too large. It allows you to unlock your home equity, buy a new place and maybe even retire your mortgage.
After the real estate bust, many homeowners delayed the decision to downsize until their home regained at least some of its market value. Many more owners are ready to sell now. But clearing out and selling a home, buying a new one and relocating--whether across the street, downtown, out of town or across the country—is a major transition that takes careful planning.
Where to?
The decision to downsize may come in a flash, as it did for the Denevis, or it may require lengthy consideration. "Downsizing can and should be a fun, memorable time with your friends and family," says Brian Schwatka, a real estate agent who leads a popular class called "Should I Stay or Should I Go?" in Silicon Valley.
If you research your options, you're less likely to get locked into a situation that doesn't meet your expectations and leads to another move, says Skip Frenzel, a financial planner in Campbell, Cal. It often pays to find a real estate agent who works with seniors, such as an agent who has earned the Seniors Real Estate Specialist (SRES) credential.
Less space doesn't necessarily translate into less money. For example, you may long to live downtown but find that condos are in short supply and priced out of your reach. Seattle agent Greg Bartell says many homeowners sell their homes for, say, $400,000 to $500,000 but find that they will have to spend at least that much for a condo in the city. He suggests that they look at newly redeveloped suburban town centers that offer urban amenities.
Kay Keesee, an agent in Austin, Tex., says downsizing clients often want a smaller home but no less luxury. They want a kitchen with a big island, granite countertops and stainless-steel appliances, and a master suite on the first floor. In newer but smaller homes with those features, the trade-off may be smaller secondary bedrooms and less storage.
You may find the lifestyle you want in an active-adult community or a continuing-care retirement community (CCRC). After Michael Santella, 63, retired from Oak Ridge National Laboratory, he and his wife, Peggy, 62, visited Sun City Mesquite, an active-adult community developed by Del Webb 80 miles from Las Vegas. The Santellas, who lived in Knoxville, Tenn., were avid travelers who loved Las Vegas and visited it a couple of times a year. They signed a contract to build a home in Sun City Mesquite, contingent on the sale of their home in Knoxville. It sold for $385,000 in October 2012, and four months later they moved into their new, 2,100-square-foot home with two bedrooms and two bathrooms. They paid $314,000, and they also pay about $130 a month in homeowners association fees.
"It's like living in a resort every day, with so many activities," says Peggy, who calls Knoxville "the allergy capital of the world." Plus, it's reassuring to know that if one of them is on his or her own someday, "the other person won't be left sitting alone," she says.
Most adult communities provide prospective buyers with the opportunity to visit for a day or stay over a weekend. For example, Sun City Mesquite recently offered a "weekend pass" with hotel accommodations for $99 per couple.
Unlike active-adult communities such as Sun City Mesquite, CCRCs provide assisted-living and skilled-nursing facilities, allowing seniors to age in place. Some also offer memory care. CCRCs are age-restricted (you generally must be at least 55 to buy in). Be sure to check whether a spouse or partner can be younger than the cut-off age.
Continuing-care retirement communities have several financing setups. With a fee-for-service arrangement, you pay less upfront (or nothing beyond monthly rent) and cover care out of pocket if you need it. Some fee-for-service communities require you to buy long-term-care insurance to cover your bases. Contracts that include unlimited, lifetime care in the upfront fee--essentially a form of long-term-care insurance--require the biggest deposits, along with monthly fees. A modified-care agreement requires a smaller entrance fee but limits care to a specified number of days a month, after which residents must pay more. But you generally have to meet financial requirements and be healthy when you arrive. (For more information on choosing a CCRC, see Risks and Rewards of Moving to a CCRC.)
Follow the grandkids
Linda Blomquist, 62, and her husband, Gary, 65, did a different sort of downsizing. They found a house the same size as their old one on more land but slashed their living costs by leaving the pricey Bay Area and moving to Whitehouse, Ohio, near Toledo. Why Ohio? Family. In January 2012, Linda was laid off from her job as an executive assistant with the city of Fremont (Gary was retired due to disability), and the Blomquists decided to sell their home of almost three decades to move near a son's family.
Real estate agent Brian Schwatka helped them create a plan with deadlines for purging their stuff, packing up and listing their 1,500-square-foot home. In Ohio, they found a home with three bedrooms and two bathrooms, on an acre of land. They paid $154,000 in cash after their Bay Area home sold for $655,000.
The couple has cut their cost of living by two-thirds. Linda says that if they had stayed in the Bay Area, she isn't sure she could ever have afforded to retire. They love the uncongested highways, the short lines at the local Costco and the "thoughtful and considerate" people, says Linda. And they love their new job: providing day care for their grandchildren.
Your shopping strategy
You'll have the most leverage if you make a purchase offer on your next home unencumbered by a contingency for the sale of your current home. If that means you have to sell first, consider renting for a while in your new location and leaving your stuff in storage. You'll have more time to explore and find the right place.
If you find your next home before your current one sells and want to make an offer without a contingency, you'll need an alternative source of funds for a down payment and closing costs. Bridge loans are hard to find. You may do best by tapping an existing home-equity line of credit, using a margin loan against investments or borrowing from your 401(k). An IRA can also be a source of a very short-term "loan." The rollover rules let you use IRA funds as long as the money is back in the account within 60 days. Miss that deadline and a withdrawal from a traditional IRA is considered a taxable distribution, and you'll be penalized if you're younger than 59½. Money taken from a Roth may not be taxed, but in neither case can the money go back into the tax shelter after the 60-day window closes. If you have a mortgage on your current home, figure that you'll have to make two mortgage payments until it sells.
If you sell before you're ready to move and don't want to move twice, negotiate with your buyers for a "lease back." You'll be allowed to stay in your home for, say, 30 to 60 days after closing the sale.
Mortgage or not? Freeing yourself from the ball and chain of a mortgage and monthly payments is an exciting prospect. But "don't let emotions trump financial logic," says Paul King, a certified financial planner in Campbell, Cal. Paying cash for your next home isn't necessarily your best choice if the rate of return you can earn on that money by investing it beats the after-tax cost of a mortgage. "It's all about living a better lifestyle in the long run, as long as the risks are reasonable," says King.
You don't have to commit to a 30-year mortgage. You could take out a 15-year fixed-rate loan, which usually has a lower interest rate than a 30-year mortgage but will carry a higher monthly payment. Or you could take out a hybrid adjustable-rate mortgage (ARM), with an initial fixed-rate period of three, five, seven or ten years, and pay it off before the first interest-rate adjustment. (In late January, the national average rate for a 30-year fixed-rate mortgage was 4.3%; a 15-year mortgage, 3.4%; and a 5/1 ARM, 3.1%.)
If you haven't applied for a mortgage in years, be prepared to produce heaps of documentation of your income and assets. However, it's easier for retirees with limited income but substantial financial assets to qualify for a mortgage than it was a few years ago.
If you're buying a condo and you need a mortgage, you may have to jump through more hoops than if you were buying a house. You could be liable for special assessments to cover improvements or unexpected repairs. And because the association of owners shares responsibility for the building's exterior and common areas, you'll pay a monthly condo fee. Lenders add in the fee when figuring how much loan you can qualify for.
Buy with a reverse mortgage? A reverse mortgage can be a good option for people who want to move to a smaller home but who don't want to sink all the proceeds from selling their old home into a new one. You can use a Home Equity Conversion Mortgage for Purchase to buy a new home, rolling the purchase and reverse mortgage into one transaction. You must be 62 or older to qualify, and you must make a down payment of about half of the purchase price for a home that will be your primary residence.
Say you sell your home for $500,000 and you want to downsize to a $400,000 house. If you put down, say, $200,000 and take a $200,000 reverse mortgage, you could bank $300,000. You'll still have to pay for repairs, property taxes and homeowners insurance, but no mortgage payment. Instead, interest on the $200,000 loan accrues, eating into the $200,000 of equity created by your down payment. The loan and accrued interest come due when you die, sell or move out for 12 months or more. Live long enough and the interest could wipe out all your equity, but your estate will never have to pay back more than the house is worth.
Watch out for the capital-gains tax. If you've lived in your home for a long time in a high-cost housing market, you could see a chunk of your equity go to federal and state capital-gains taxes. You can exclude up to $500,000 of profit from the sale of your home if you're married filing jointly, or $250,000 if you're single (see 35 Tax Breaks to Save You a Bundle). Your profit is the sale price of your home minus selling expenses and its tax basis--that is, what you paid for it originally plus the cost of any improvements you made. If you think you'll have more than $500,000 in profit, dig out your records of home improvements. Copyright 2014 The Kiplinger Washington Editors
1Closing Cost Credit: PenFed will pay most closing costs associated with a fixed equity, equity line of credit (ELOC) and 5/5 ELOC loan which includes: credit report, flood certification, settlement/closing, property ownership and encumbrances search, express delivery package, express delivery disbursal, recording, city/county taxes, state taxes, property search and quick close. For New York or Texas properties, borrowers are required to pay title insurance premiums and may use any title company to obtain the closing cost credit. If an appraisal is required, the cost will be paid by the member, who is responsible for the fee whether or not the loan closes. The member is responsible for notary fees. Should this loan be paid off or closed within 24 months (or 36 months for the 5/5 ELOC) from the anniversary date of the loan closing, the member will be obligated to pay PenFed the full amount of the total closing cost for the loan. Other terms and conditions apply; call 1-800-970-7766 for details.
2Interest may be tax deductible, consult a tax advisor for further information regarding the tax deductibility of interest and charges.
Appraisals: An appraisal is required for all applications with a loan to value (LTV) over 80%. For applications with a LTV of 80% or less, PenFed will attempt to establish value via an independent method. If that method is unsuccessful, an appraisal will be required regardless of LTV. An appraisal is required in the following circumstances:
If an appraisal is required it must be ordered by PenFed. You will be contacted for authorization and payment prior to ordering. Appraisal fees average $350 to $525 (some run higher) and approximately 50% of our applications require an appraisal.
Property in First Lien Position: The maximum term for a fixed rate equity loan that reflects PenFed in the first lien position is 60 months. Equity products are not offered on properties that are non-owner occupied with a first lien position.
Property Insurance: Property insurance is required.
PenFed Mortgage Aggregate: If PenFed holds the 1st mortgage plus any equity loans or lines of credit on the same collateral and the new loan exceeds $750,000 maximum combined loan-to-value (CLTV) ratio is 80% CLTV in all states.
PenFed Refinances:
Multiple Loans: Multiple equity loans and ELOCs are available as long as the member and collateral qualify (except Texas). The total indebtedness cannot exceed $400,000 for all equity and ELOCs combined.
PenFed does not lend on:
Fixed Home Equity Loan: Rate depends on loan term length, loan to value ratio (LTV), fair market value (FMV), owner occupancy, and use of funds.
LTV ratio requirements:
Rates are higher for non-owner occupied properties. Other terms and conditions may apply. Call 800-970-7766 to talk to a representative for details.
Minimum Loan Amount Requirements in all States:
Fixed Home Equity Loan Payment Examples: For an owner occupied home of $25,000 at 3.74% APR payable over 5 years: 60 monthly payments of approximately $457.60 each. For an owner occupied home of $25,000 at 4.24% APR payable over 15 years: 180 monthly payments of approximately $188.02 each.
Equity Line of Credit: Rate depends on loan term length, loan to value (LTV), fair market value (FMV) owner occupancy, and use of funds. Typical closing costs range from $250 to $750 depending on the loan amount and county where property resides.
The minimum credit advance that you can receive is $100. (The minimum in Texas is $4,000). PenFed does not allow Automated Clearing House (ACH) advances on Equity Line of Credit accounts. PenFed reserves the right to reject any advance that is converted to an electronic check by the merchant and submitted via ACH.
Rates are higher for non-owner occupied properties. Other terms and conditions may apply. Call 800-970-7766 to talk to a representative for details.
5/5 Equity Line of Credit: Rate depends on loan term length, loan to value (LTV), fair market value (FMV) owner occupancy, and use of funds. Typical closing costs range from $250 to $750 depending on the loan amount and county where property resides.
5/5 Equity Line of Credit Rate Adjustments and Terms: The 5/5 ELOC is an adjustable rate loan product with an APR that can be adjusted every five years. The rate is indexed to the United States Treasury Security adjusted to a constant maturity of five years as published in the Wall Street Journal each Tuesday. The 5/5 ELOC has a term of 180 months during which time the member can access the account. Non-owner occupied properties have a term of 144 months. The loan must be paid off at the end of the term. Members with expiring 5/5 ELOCs will be contacted prior to the maturity date with an offer to refinance the credit line if there is a balance. The member must qualify for the new credit line. Other terms and conditions apply; call 1-800-970-7766 for details.
Rates are higher for non-owner occupied properties. Other terms and conditions apply. Call 800-970-7766 to talk to a representative for details.
All rates and offers are as of September 2015 and subject to change without notice. To receive advertised product you must become a member of PenFed by opening a share (savings) account.
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This credit union is federally insured by the National Credit Union Administration. Rates are current as of September 2015 unless otherwise noted and are subject to change. APY = Annual Percentage Yield APR = Annual Percentage Rate©2015 Pentagon Federal Credit Union
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3 men face charges after drug raid
Three men face drug charges after a raid at a home Friday morning.
Fort Wayne Police Department narcotics detectives assisted the FWPD Meth Suppression Team and the Emergency Services Team in executing a search warrant for drug-related crimes at 10 a.m. Friday in the 1500 block of West Till Road, according to a news release. Police reportedly found a small marijuana-growing operation and marijuana, according to the release.
Brian McClure and Thomas McClure each face one charge each of possession of marijuana and maintaining a common nuisance. They were each being held in the City-County Lockup in lieu of $2,500. A third man faces a misdemeanor charge of possession of marijuana. He was released from police custody on his own recognizance.
3 people escape fire that damages duplex
Two adults and a child safely escaped a duplex fire Friday night.
Fort Wayne firefighters responded at 9:47 p.m. to a fire in the 2500 block of Lynn Avenue and found three people had gotten out safely. They brought the fire under control within 10 minutes. The fire was contained to the kitchen of an upstairs apartment and resulted in moderate damage to the two-story structure.
The blaze's cause remains under investigation.
No skating on ponds
The skating ponds at Lakeside, East Swinney, Franke and Ivan Lebamoff Reservoir parks will remain closed to skaters this weekend.
Only about 1 inch of ice has formed on the ponds since temperatures dropped this week. The Parks and Recreation Department will have the red lights and flags at the ponds to indicate that conditions are not safe, according to a news release.


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August 14
Wednesday, 11:00 am - 12:00 pm
"Summer Wonder" Event
Mary Knysh presents A Medieval Feast
Penn Museum's Summer Wonder program, appropriate for guests of all ages and their families, continues with this unique musical performance. Join Mary Knysh in an exploration of medieval music and instruments and their continuing influence today. A rich collection of chants, ballads, recorder melodies, troubadour songs, and stories—experienced through Mary's vivid interpretations—give modern audiences a glimpse into everyday life in the Middle Ages. Presented in association with Young Audiences New Jersey & Eastern Pennsylvania. All Summer Wonder performances are free with Museum admission.
Read about the full series of Summer Wonder events here.
3260 South Street
Philadelphia, PA 19104
(215) 898-4000
Tuesday-Sunday: 10:00am - 5:00pm
First Wednesdays: 10:00am - 8:00pm
Monday: CLOSED


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A pair of key contributors to the Creston/Orient-Macksburg football team signed National Letters of Intent to continue their playing careers at the collegiate level on Wednesday.
Keaton Hulett signed with Northwest Missouri State University, while Briar Evans signed with Morningside College.
Panther head coach Brian Morrison said it was a special day for the two athletes.
"It feels good for them," Morrison said. "I think those kids put time in. You can see that the way they perform on the athletic field in all the sports they participate in. These kids are multi-sport athletes. They do an outstanding job in the classroom. They're going to programs that are nationally ranked in NAIA and in the NCAA ranks. So just to represent Creston/O-M in that manner is outstanding for us. We feel very fortunate to have these kids be a part of what we did at Creston/O-M and now to further their careers and academically, as well."
With Hulett and Evans signing their Letters of Intent, four Panther players in the past two years have signed on to continue their playing careers at the collegiate level.
Hulett and Evans join Collin Bevins (Iowa State) and Alan Smith (Morningside College) as players coached by Morrison who have signed with collegiate teams.
"It says we have good kids. Good kids that work hard, and it gives you a chance to win a lot of football games," Morrison said. "If you have great kids who work hard, you're going to be successful. I inherited a program that was outstanding to begin with, and I just feel fortunate to have had the opportunity to coach these guys and watch them excel. It's been outstanding.
Hulett said it was a relief to finally have a choice made and have the signing done.
"It's a weight off my shoulders," Hulett said. "It was a struggle at the beginning, not knowing exactly what's going to happen, what's going to go on, but now that the decision's made, it's real nice."
There was a lot to like about Northwest Missouri State for Hulett.
"The campus is awesome, the people are awesome," Hulett said. "Mainly the coaching staff – they all really get along, and they're nice people. The tradition down there is wonderful. That kind of helped, too. You look at it and you see the past, the good things that have happened in the past, that works well."
Morrison said he believes Hulett will be a good fit for the Bearcats.
"He's going into a situation where they don't take kids just to take kids," Morrison said."They've been nationally ranked, I think, the last 12-13 years, been to numerous Division II championship games, and I think has won two or three. They just feel very fortunate to get him. I know that they're just really blessed to get a kid that works as hard as he does. You won't find a harder worker."
Hulett said he plans to major in wildlife ecology, and he expects to redshirt his first year while he gains weight.
He projects as a defensive end, and said the weight range for defensive ends is typically about 240-245 pounds.
Evans agreed with Hulett, saying it felt good to finally make his decision just a few nights ago.
He chose Morningside over a list of schools that included Simpson, Central and Wartburg.
The Mustangs reached the NAIA national championship game last season.
Evans said he felt like the education program at Morningside was a good fit, as well.
"Obviously, I really liked their football program, but other than that, I really liked the facilities and the campus," Evans said. "I'm not totally sure what I want to major in, but I'm looking at education, elementary education. I've visited with their department. It's really nice. They have a really nice education program."
According to Evans, Morningside coaches are looking at two different positions for Evans to potentially play.
"Since I played tight end in high school, they're thinking about putting me there," Evans said. "But they also want to see me as a J-back, which is a position for them that's like a slot receiver – he goes in and out – but he never gets down in a three-point stance. Then they also said, depending on how much weight I put on, they could put me at tight end."
His first year will mostly consist of playing junior varsity, since Evans will be stuck behind a pair of All-Americans.
Whatever position Morningside coaches choose, Morrison believes Evans will excel.
"He has good range, great hands, athletic and just has a huge upside," Morrison said. "I know they're very excited and very fortunate to get a kid of Briar's caliber. He was voted a team captain, along with Keaton, by his teammates after the year was over, which as far as I'm concerned, is the biggest honor someone on our team gets. You can see that just by the way he displays himself on the field, prior to the game and during the game, keeping the kids motivated."
One plus for Evans will be teaming up with former Creston/O-M teammate Alan Smith, who was a freshman on the Morningside team this past season.
"It kind of makes you feel at home," Evans said. "Because you know someone there and especially since he's on the football team, too."


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Looser Boardie
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"The walnut paneling carries a warm feeling to the lower part of the room, allowing the white walls and ceiling to float above," says architect Wendy Evans Joseph of the upstate New York studio she conceived for her husband, Jeffrey V. Ravetch. River stones adorn the fireplace. (October 2010)
Photo: Peter Aaron


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Cap numbers for all the team for 2007
looking good !!!
remember dolphins have 42 people on contract with the cap room
Cap numbers for all the team for 2007
looking good !!!
remember dolphins have 42 people on contract with the cap room
is that good for us?
In his office Friday afternoon, Philbin pointed to the practice fields outside and said: "Out there is where we're going to find out about Ryan Tannehill, Matt Moore and David Garrard. I don't remember a master plan that said, 'Here's when Ryan's going to play.' If there is one, I was never told about it. We'll let them come to work, and the best man will win."'
and we can be much better off with some smart trades and restructuring and even dumping.
Well I believe Carter will be gone and hes 6.5 against the cap even though we will not get to much of that back we will still get some money back and there our other people who will restructure and others will get cut!
However with that said did you see how much money people have left! Free agency is going to be overunned with overpaid players I feel especially because a lot of good free agents our going to hit the market I feel!
looks like we can forget the idea of getting Nate Clements as Buffalo has a lot of money to spend... but damn,Id hate to be a Redskin fan, they're over the cap and still finished last in the NFC east
First off the numbers are a bit off as you need to set about 5 million for the rookie pool - mandatory minium for NFL.
That wouldleave about 14.5 million to hire about 11 players to complete the rooster.The veteran minimum is about 1 million so in theory you need to get old veterans who will sign for very low bonuses to complete the rooster.
If the No 1 pick needs a signing bonus of say 7-8 million the cap is screwed and its time to add udfa to fill the rooster.
Now for TC you generally allowed 80 players and you need to pay them something but you have no cap and 53 players not 80!!!
When a player is cut the cap hit nearly the same and then you have to replace him so that is going to cost money again.
Not sure how many contracts you can redo and how much money you can save.
good now cut Carter and Mare than find a team insane enough to pay Chambers the money he is making now so we can trade him. these moves would free up like 10 mil, than we can get Stalleworth, Samuel and Thomas in FA to make for a monster offseason. we'd find a new kicker somewhere, anybody would be cheaper than Mare
i was trying to find out a way to see how many players each team had under contract to get that cap number in perspective... i couldn't find that, but i DID find this...
they have 60 people under contract and still that much money, god damn... they should be big players this offseason...Whatever the Titans need this off-season to take the next step as a playoff contender, they are in a position to get. The NFL roster size is 53 players. The Titans already have 60 players under contract for 2007 – and they are still $41 million under the projected salary cap of $106 million.
Koa Konstrictor
I'd cut Harrington, James, Anderson, Carter, Wilkinson, and Mare. I'd trade Chambers, Booker, and McMichael. Restructure the contracts of Taylor, Thomas, and Culpepper.


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- Independent
- The Enterprise
- The Recorder
Lefty's BBQ's misfortune turned out to be lucky for some less fortunate people, thanks to the generosity of the Waldorf restaurant's owners.
A fire Sunday forced the restaurant to close its doors temporarily. Owners of the popular Waldorf establishment donated its food to those in need.
Just before 1 p.m. Dec. 8 a fire that started in the hood of a wood grill at Lefty's extended to the exhaust system, damaging the restaurant's roof.
It took multiple firefighters from eight volunteer fire departments about 15 minutes to control what the restaurant's co-owner, LaTanya Holland, said was a grease fire.
Because of the incident, Holland said there wasn't a place to keep all of the food that was in the restaurant's walk-in refrigerator. The electricity to that area had been shut off, she said.
Not wanting to throw out what she estimated to be 5,000 pounds of food such as brisket, Holland said her family donated the food to Prayer of Faith Ministries in Waldorf, which used the donation to feed homeless people and disadvantaged families.
Jane Washington, pastor of Prayer of Faith Ministries, said she was thankful because of all the places the restaurant could have taken their food, it chose her small church.
She said at first Holland indicated that the store had bread to donate, but when Washington arrived to collect the food, Holland said the perishables were still good and she was welcome to that as well.
Washington said she left with a truck loaded with chicken, ribs, yams and much more.
The church was able to feed 31 families and prepare meals for homeless who live in what she called "tent cities" in the county.
Holland said the fire was unfortunate but being able to provide a meal to those who might not otherwise have one was "a real blessing."
Washington said the donation helped take pain away from families who are entering the holiday season with very little.
Holland recalled being in the restaurant's office when she heard an employee announce that there was a fire and for everyone to get out.
Staff quickly attempted to put out the blaze with fire extinguishers and called 911.
Holland said that the employees were unable to put out the fire.
She recalled being outside in the middle of the Sunday's wintery mix of snow and sleet without a coat as were many others who made a quick exit.
She said aside from the quick response from fire departments from Waldorf, Brandywine, Bryans Road, Baden, Hughesville, La Plata and Clinton, she was impressed with the firefighters' generosity as they offered her and others a seat in their trucks to keep warm.
Jeff Duer, spokesman for Waldorf Volunteer Fire Department, said it is not uncommon for firefighters to reach out to those involved in an incident.
"We take care of people involved in an incident as much as possible," Duer said.
He said he was glad to see minimal damage from the fire and that no one was hurt.
Damage primarily was to the roof of the building.
He attributed the good results to employees notifying emergency personnel as quickly as they did.
Holland said she was grateful to the volunteer fire departments for their "kindness and generosity."
Walking in the restaurant after firefighters gave the OK, Holland said one of the first things she noticed was half-eaten meals on tables. She then thought of all the customers who did not get to enjoy their meals; some hadn't even received their food when the fire began.
Holland said there were two or three families in the dining area, and some people waiting to pick up to-go orders when the fire started.
Holland didn't notice any customers still around after the fire was under control. She said they all left.
"No one asked for a refund," she said.
Seeing the half-eaten meals and hearing no complaints from customers wanting refunds brought tears to her eyes.
Lefty's BBQ is reaching out to those who were eating in the restaurant Sunday to provide those customers with a gift card to pay for the food they didn't receive or didn't get to finish.
"We love our customers so much," Holland said.
Holland said the store will not be able to open for at least two months.
She said she is grateful for the outpouring support form the restaurant's customers.
Lefty's has been in business for 25 years. It has been at its current location in Pinefield for 18 years.


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Salomon Women's SpeedCross 3 Trail Running Shoes
Product Information:
The Salomon® Women's SpeedCross 3 trail running shoe is designed to wear in all conditions. Your feet will stay clean and dry with the anti-debris, water-resistant mesh upper. Designed specifically for women, this trail shoe features a Sensifit™ system that hugs your foot for a secure fit. A molded EVA footbed gives added cushioning, but is still lightweight for easy to wear comfort. Make it to the top in the SpeedCross 3 shoe.
- Anti-debris mesh upper protects your feet and keeps the dirt out
- Water-resistant so feet stay dry
- Quicklace™ design for easy on/off
- Optimized fit for women keeps you comfortable all day
- Sensifit™ system hugs foot to provide a secure fit
- Molded EVA footbed is lightweight and adds cushioning
- OrthoLite® sockliner keeps feet cool and dry, fighting against odors
- Mud&Snow non-marking Contagrip® outsole won't leave tracks in any terrain
- Style: 352259
- Salomon
Country of Origin: VietnamWeb ID: 22997026
Customer Reviews:
Rated 5 out of 5�by 4 reviewers.
Rated 5 out of 5�by casey perfect for the tri-state tough mudder I bought these before the Tri-State Tough Mudder based on online feed back regarding the best shoes for mudders and they were absolutely perfect. My partner in the mudder wore old running shoes and he was sliding around on the steeper hills, unable to get traction, and sliding back down. I was able to easily scale inclines without sliding back. The pull cord in place of laces allowed me to adjust their tightness without difficulty due to the mud AND I saw several people without shoes because they had been sucked off by the deeper mud pits and I never had to worry about losing my shoes. The water ran right out of them and after 11 miles I had no blisters. They felt narrow when I first put them on but after the run they had loosened up a bit. I would break them in prior to a race next time. Absolutely worth it! October 22, 2013
Rated 5 out of 5�by ActiVacay Great in mud AND snow! Wore these hiking the muddy, slippery rainforest trails of Costa Rica. Two of us had the women's and men's pair (size 9 as the women's 11 wasn't available). They have lots of cushioning and are very comfortable. Very light weight. Great traction. Walked through streams wearing them with light wool socks and neither of us got blisters. Feet did not get hot either! Mud washed right off with a hose with no staining. There is a pocket to tuck the lacing tab into so it doesn't catch on anything. Have worn them running in the snow at home as well! Highly recommend. January 26, 2014
Rated 5 out of 5�by Scottmcman Great Shoe My husband purchased them for himself and loved them so much he bought me a pair. Great for trails and slippery areas. Very comfortable. April 24, 2015
Rated 5 out of 5�by Run around the world Best shoe ever!! By far the best shoe I've ever owned! Very happy with this shoe!! April 3, 2014
1-4 of 4


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He Needs TP For His…Nevermind. It's TOO Wrong! – THE Q ROCKS
It's almost impossible to imagine someone THIS devoted to such an effed up fetish. But 21-year-old Mark Anthony Richardson Junior of Oklahoma City, Oklahoma, is JUST that insane.
Mark was in court this week for pretending to be autistic, hiring adult female babysitters, soiling himself in a diaper, then making the babysitters clean him down below and change his diaper


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adidas Men's Chicago Bulls "D-Rose" #1 Red T-Shirt
Product Information:
Dunk like your favorite player in the adidas® Men's Chicago Bulls "D-Rose" #1 Red Gametime T-Shirt. The screen-printed team logo on the front and player graphics on the back show support for your favorite Bulls superstar. With the official NBA® design on the left chest, you'll look like the sixth man in the adidas® Gametime T-Shirt.
- Standard fit, crew neck, T-shirt
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Country of Origin: ImportedWeb ID: 16671426


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Billings "Top Shot" Is This Weekend!
When my family and I first got Netflix streaming content the first series we started watching was Top Shot from the History Channel. Of course on Netflix you can watch entire seasons in their entirety with no commercials so we spent an entire Saturday watching the first season without commercial interruption


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Philadelphia EaglesBR>This panorama of the Philadelphia Eagles playing at Lincoln Financial Field was taken by Robert Pettit. Located in the heart of South Philadelphia, Lincoln Financial Field ushered in a new era for the Philadelphia Eagles with the inaugural game against the Tampa Bay Buccaneers in early September of 2003. Established as an NFL franchise in 1933 during the Great Depression, the club adopted the symbol of the Eagle after President Roosevelt's New Deal Recovery Program - as a sign of hope and prosperity. In 2004, the Philadelphia Eagles made their second Super Bowl appearance when they competed in Super Bowl XXXIX.
Sunday afternoon in Philly, with a jam-packed crowd thrilling to another Eagles victory...it doesn't get any better than this! As DeSean Jackson hauls in a pinpoint 34-yard pass from Kevin Kolb to give Philly a big early lead over the Atlanta Falcons...SNAP! The moment is preserved for all-time, and is now available for your wall. From the October 17, 2010 action on the field below, to the ecstatic crowd celebrating the TD, to the scoreboards, video screens, and unique stadium architecture, it's all here - the entire scene, looking absolutely fantastic for your wall. Printed in brilliant color and perfect focus on high-quality paper stock, and complete with a sharp white border that includes the official team logo and a brief descriptive paragraph, this is both a beauty for the wall of home or office, and a great collector's item for years to come. Perfect for the wall of any fan of Eagles football and big-time NFL action!
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Visitors to the Ellettsville Branch of the Monroe County Public Library can drop by the program room on Jan. 9 to learn what happens to insects during the winter and make a simple insect craft.
The program runs from 3 to 5 p.m. and will be hosted by a naturalist from Monroe Lake.
The library is at 600 W. Temperance Street.
"Insects always seem to show up pretty quickly once the weather warms," said Wendy Anderson, a naturalist intern at Monroe Lake. "It makes you wonder where they've been during the winter and what they've been doing."
For more information, call the Paynetown Activity Center at (812) 837-9967 or email email@example.com.


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I got an early 50th birthday present from my daughter and wife. 40 yard line lower level tickets to the Dolphins at Bengals game this weekend.
Since I moved to the Cincy area over 20 years ago I have tried to make any games that the Fins played in Cincy. I missed the Sunday night game back in 2004.
But I have attended the following
Games involving Miami and Cincinnati beginning with the 1995 season (Miami on road) (games in Oct):
1995 season: Week 5 Sun Oct 1 1995 at Cin Miami 26, Cincinnati 23 2000 season: Week 5 Sun Oct 1 2000 at Cin Miami 31, Cincinnati 16 2010 season: Week 8 Sun Oct 31 2010 at Cin Miami 22, Cincinnati 14 2012 season: Week 5 Sun Oct 7 2012 Mia at Cin
So mark it up as a win since I am attending. All have been close with the Fins pulling it out all of them in the end.
Primary team Miami: 3-0
Points for Miami: 79
Points against Miami: 53
In 1995 Blake threw a TD to take the lead 23-19 with little time remaining. Marino marched them down the field and threw a TD to end the game. He ended up with 450 yards passing that day.
In 2000 I took my daughter to her 1st game. The Bengals led 13-3 right before half and were dominating. They got greedy before half trying to score again. Jason Taylor sacked the QB recovered the fumble and rumbled into endzone as time expired in 1st half with score 13-10. Miami scored 1st thing in the 3rd and took over the game. We ended up moving down to front row seat behind the Fins bench after the hometown faithful filed out late in the game.
In 2010 I attended with my wife. We started out behind but kept Kicking FGs. In the second half our 5th FG gave us the lead. A late Ricky williams TD helped seal the win.
So you can mark this up as a Dolphin win.


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Grants Pass, Ore. -- Grants Pass police are asking for your help to locate three suspects involved in a robbery over the weekend.
Police say it happened around 3:30 Saturday morning on the 1200 block of Fruitdale Drive.
Police say the suspects pepper sprayed a victim and drove off with his 2002 silver Chevy Malibu and other belongings. The vehicle has a Washington State license plate of AHN8731.
The first suspect is described as a white male about 38 years old, 5'5'' in height, heavy set, with blonde hair and blue eyes.
The second suspect is described as a 28 year old white female with black shoulder length hair and brown eyes.
And the last suspect is said to be a Hispanic male about 28 years old with black hair and black eyes.
Anyone who many have any information is asked to call police.
Copyright KOBI-TV. All rights reserved unless otherwise stated. This material may not be published, broadcast, rewritten, or redistributed without written permission.


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The Scottish Screen Archive is Scotland's national moving images collection. It preserves over 100 years of Scottish history on film and video.
We can provide thousands of titles for personal, educational or commercial use. To discover what we have, use our access catalogue, where you can:
Please contact us if you can't find what you are looking for. More about the Scottish Screen Archive. Discover the benefits of National Library of Scotland registration.
Featured video: SAWMILL IN THE FOREST, the
Shots of men felling trees and transporting logs by horse to a small sawmill, where the timber is cut into lengths.
Full record for 'SAWMILL IN THE FOREST, the'
The Scottish Screen Archive is supported by the Heritage Lottery Fund.


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Interpretive Handbook
60450 :
Lamellar Body Count, Amniotic Fluid
Clinical Information Discusses physiology, pathophysiology, and general clinical aspects, as they relate to a laboratory test
Fetal lung maturity testing is used to determine the risk for developing respiratory distress syndrome (RDS) in infants born prematurely (32-39 weeks). The risk for developing RDS is inversely related to gestational age and is the most common cause of respiratory failure in neonates. RDS is associated with preterm birth due to insufficient production of pulmonary surfactant. Pulmonary surfactant is synthesized by type II pneumocytes. Surfactant consists of 90% phospholipids (primarily phosphatidylcholine and phosphatidylglycerol) and 10% proteins (surfactant proteins [SP]-A, SP-B, SP-C). Surfactant is packaged into lamellar bodies and is excreted into the alveolar space where it unravels and forms a monolayer on alveolar surfaces. Lamellar bodies can also pass into the amniotic cavity and, hence, are found in amniotic fluid. The surfactant functions to reduce the surface tension in the alveoli, preventing atelectasis. When surfactant is deficient, the small alveoli collapse and the large alveoli become overinflated and stiff, which has been associated with increased risk of developing respiratory distress. The status of fetal lung maturity is reflected in the concentration of surfactant in the form of phospholipids (see also FLP / Fetal Lung Profile, Amniotic Fluid) and lamellar bodies present in amniotic fluid. Lamellar bodies are similar in size to platelets and can be quantified on a hematology analyzer utilizing the platelet channel and used to estimate fetal lung maturity.
FLP / Fetal Lung Profile, Amniotic Fluid and LBC / Lamellar Body Count, Amniotic Fluid are individually orderable. A reflexive testing algorithm (LBCR / Lamellar Body Count Reflex, Amniotic Fluid) is available to reflex indeterminate lamellar body count results for FLP / Fetal Lung Profile, Amniotic Fluid (lecithin/sphingomyelin [L/S] ratio and phosphatidylglycerol [PG] testing).
Useful For Suggests clinical disorders or settings where the test may be helpful
Predicting fetal lung maturity and assessing the risk of developing neonatal respiratory distress syndrome, when performed during 32 to 39 weeks gestation
Interpretation Provides information to assist in interpretation of the test results
Amniotic fluid lamellar body count (LBC) >50,000/mcL is predictive of fetal lung maturity.
Amniotic fluid LBC <15,000/mcL is suggestive of fetal lung immaturity and increased risk of neonatal respiratory distress syndrome (RDS).
The main value of fetal lung maturity testing is predicting the absence of RDS. An immature test result for fetal lung maturity is less reliable in predicting the presence of RDS.(1)
Cautions Discusses conditions that may cause diagnostic confusion, including improper specimen collection and handling, inappropriate test selection, and interfering substances
Surfactant secretion into the amniotic fluid is minimal prior to 32-weeks gestation.
Fetal lung maturity testing is not indicated beyond week 39.
Specimens should not be frozen or centrifuged. Freezing and centrifuging the amniotic fluid falsely decreases the lamellar body count. Amniotic specimens should be blood and meconium free.
Reference Values Describes reference intervals and additional information for interpretation of test results. May include intervals based on age and sex when appropriate. Intervals are Mayo-derived, unless otherwise designated. If an interpretive report is provided, the reference value field will state this.
Immature: <15,000/mcL
Indeterminate: 15,000-50,000/mcL
Mature: >50,000/mcL
Cutoffs are based on consensus protocol (Neerhof M, Dohnal JC, Ashwood ER, et al: Lamellar body counts: a consensus on protocol. Obstet Gynecol 2001;97:318-320)
Clinical References Provides recommendations for further in-depth reading of a clinical nature
1. Fetal Lung Maturity. ACOG Practice bulletin. Obstet Gynecol September 2008;112(3):717-726
2. Eby C, Lu J, Gronowski AM: Lamellar Body Counts Performed on Automated Hematology Analyzers to Assess Fetal Lung Maturity. Lab Med 2008;39(7):15
3. Haymond S, Luzzi V, Parvin C, Gronowski A: A Direct Comparison Between Lamellar Body Counts and Fluorescent Polarization Methods for Predicting Respiratory Distress Syndrome. Am J Clin Pathol 2006;126:894-899
4. Szallasi A, Gronowski A, Eby C: Lamellar Body Count in Amniotic Fluid: A Comparative Study of Four Different Hematology Analyzers. Clin Chem 2003;49(6):994-997
5. Grenache DG, Gronowski AM: Fetal lung maturity. Clin Biochem 2006;39:1-10
6. Neerhof M, Dohnal JC, Ashwood ER, et al: Lamellar body counts: a consensus on protocol. Obstet Gynecol 2001;97:318-320


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|News » Archives
Five Lady Bucs score in double figures as ETSU tops Davidson, 83-54
Saturday, February 07, 2004Johnson City, Tenn. (Feb. 7, 2004) -- East Tennessee State trailed Davidson, 34-33, but exploded after halftime to defeat the Wildcats 83-54 in Southern Conference women's basketball action from Memorial Center Saturday. With the win, ETSU head coach Karen Kemp surpassed Susan Yow as the school's all-time winningest head coach with 119 victories during her 10-year tenure in Johnson City. The win also snaps a three-game home losing streak for the Lady Bucs. ETSU (10-11) and Davidson (13-9) are now tied for third place in the SoCon with a 10-5 record and have split the season series. ETSU committed 26 turnovers -- 18 in the first half -- but Davidson went cold from the floor, shooting 4-of-24 (16.4%) in the second frame. Meanwhile, the Lady Bucs shot 54.1 percent for the game. They attempted 19 shots from beyond the arc and made 11, which was a season-high. ETSU also controlled the glass by out-rebounding the Wildcats 44-24. Davidson led by as many as 11 points in the first half, and held a one-point advantage going into the intermission. Kiya Verdell (Hartwell, Ga.) got things heated up after the break by nailing a 3-pointer seven seconds into the second half to give ETSU its first lead of the game, 36-34. Verdell's basket sparked a 20-5 run in which the Lady Bucs connected on 9-of-13 shots, including four from the perimeter. ETSU's largest lead was 31 points with 2:02 remaining on a layup by freshman Brooke Wilhoit (Sevierville, Tenn.). Wilhoit led five Lady Bucs who scored in double figures with a game-high 18 points on 7-of-9 shooting. Wilhoit and Verdell each hit four three-point baskets and Verdell finished with 16 points. Tiffani Mayes (Sumter, S.C.) added 12 points and eight rebounds, while Lauren Trantham (Asheville, N.C.) tallied her 23rd career double-double with 12 points and 10 boards. B.J. Banjo (Baltimore, Md.) netted 10 points, as she eclipsed double figures scoring for the fifth time in her last six games. Davidson is now 0-3 this season in games where no players score in double figures. The 'Cats leading scorer Katie Hamilton was held to just eight points, which led the team in scoring. Meghan Bryant and Ashley Hallsted each hit three field goals and finished with six points as did Tia Washington. Courtney Laird improved on her team-leading block total with three blocked shots on the afternoon. East Tennessee State will play its last home game of the season on Monday, Feb. 9 versus Western Carolina. There will be a special presentation honoring this year's senior class prior to the 7 p.m. tip-off. Davidson will remain on the road to take on conference frontrunner Chattanooga. The Lady Mocs are undefeated at home this season (10-0) and carry an unblemished 14-0 SoCon record into Monday's contest. The game is scheduled to begin at 5:15 p.m.


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• product Info •
- Comfort
- Convenient
- Easy to walk in
- Fact sheet
- Weight 3440
- Flex Index 60
- Strap 35
- Last 104
- Flex Index 60
- Strap 35
- Last 104
Thermoformable tongue for better tibial comfort
A bi-injected shell combined with Polypropilene, a softer and lighter material than PU, giving well adapted stiffness and high UVA resistance at a good price/quality ratio.
A reinforced rear, lateral insert enables the use of a softer front cuff for improved leg wrapping and progressive flex. Combined with Polypropilene, a softer and lighter material than PU for high UVA resistance at a good price/quality ratio.
Heel & toe pads can be replaced when worn out
Taken from the X3 Lab, Magnesium piece linking the cuff to the shell providing solid back support & rebound and a progressive forward flex when locked. When unlocked for hiking, releases the cuff on the back for a wider opening and easier hell to toe transition
Salomon patented system combining the backbone release with a specific V-cut shape on the back of the lower shell. Allows wide rear cuff opening when hiking (Backbone unlocked) & true alpine forward flex when skiing down (Backbone locked) because the backside of the backbone fits precisely into the V-cut lower shell
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Our HP CE505A value bundle includes Five CE505A compatible laser toner cartridge.
SuppliesOutlet.com's HP CE505A (05A) compatible laser toner cartridges are guaranteed to meet or exceed original Hewlett Packard laser toner cartridges in both print quality and page yield. Our toner cartridges have been engineered to create consistent, high quality images. Our HP CE505A compatible laser toner cartridges are made with the highest quality of new and recycled components. SuppliesOutlet.com offers 100% OEM compatible toners and a lifetime performance guarantee.
This product is not manufactured by HP. This is a new compatible product that meets or exceeds HP specifications. SuppliesOutlet.com is the leader in quality compatible printer supplies.


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Get your Best Planting Dates! Our new ALL-SEASONS gardening calendar stretches from spring through fall planting. It not only tells you when to sow indoors and plant in the ground, but also when to harvest—and is customized to your location based on the nearest weather station.
Note: The planting calendar covers the 30 most popular vegetables, herbs, and fruit. For nearly 200 edibles, why not try our online Almanac Garden Planner for free here.
Planting by the Moon? Find our Moon-Favorable charts here.
Need plant information? See our Vegetable Growing Guides here.
At this time, the calendar is not printing correctly when using Internet Explorer as a browser.
Please use an alternative like Chrome, Safari, Firefox, or Opera to print the planting calendar.
The personalized planting calendar will list all popular vegetables, herbs, and fruit, including but not limited to: apples, asparagus, basil, beans, beet, blackberry, blueberry, broccoli, cabbage, carrot, corn, cucumber, garlic, kale, lettuce, onion, peas, pepper, potatoes, pumpkin, radish, raspberry, rhubarb, spinach, strawberry, sweet potato, tomato, turnip, watermelon, and zucchini plants.


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ORNL wins big as part of a team led by Ames Laboratory, which was selected for an Energy Innovation Hub to address shortages of critical materials, including rare earth metals. The award of up to $120 million over five years for the Critical Materials Institute involves four national labs, academia, and industrial partners.
ORNL will play a key role in conducting the CMI's mission to eliminate materials criticality as an impediment to the commercialization of clean energy technologies. Working with other CMI partners, ORNL will lead efforts for diversifying supply of critical materials with emphasis on developing more efficient separation processes for improving material yield as well as developing processes for other sources of rare earths. In addition, the lab will serve as deputy lead of substitutions for critical materials to replace the rare earths in such applications as permanent magnetics and lighting. Activities will also encompass additive manufacturing in order to reduce the amount of rare earth materials for permanent magnetics and utilizing magnetic field processing to determine the effects of magnetic fields on the growth of rare earth containing magnetic alloys.
Other national labs partnering with Ames and ORNL include Idaho National Laboratory and Lawrence Livermore National Laboratory. University and research partners include Brown University, the Colorado School of Mines, Purdue University, Rutgers University, University of California-Davis, Iowa State University, and Florida Industrial and Phosphate Research Institute. Industry partners that have joined to help advance CMI-developed technologies include General Electric, OLI Systems Inc., SpinTek Filtration Inc., Advanced Recovery, Cytec Inc., Molycorp Inc., and Simbol Materials.
We're always happy to get feedback from our users. Please use the Comments form to send us your comments, questions, and observations.
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Current Special
WearMyYogaArt.com Shirts and Gifts Shop sells unique yoga namaste shirts, inspirational gifts, asana tees, peaceful lotus flower attire and more with unique designs and slogans to help you find balance, strength and flexibility in life!
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Training: First Aid - Red Cross
Safety and Risk Management, Training Room
Safety and Risk Management is hosting a Red Cross First Aid course. The First Aid course incorporates the latest science and meets OSHA guidelines. Students learn to recognize and care for a variety of first aid emergencies such as burns, cuts, scrapes, sudden illnesses, head, neck, back injuries, heat and cold emergencies. Students who successfully complete this course will receive a First Aid certificate valid for two years.
Registration is required and registration can be completed at: http://www.montana.edu/wwwsrm/training/classReg.php
Please contact Trevor with any questions: 994-7760
If you are unable to navigate stairs, please notify us in advance so accommodations can be made.
For more information go to:
For questions regarding this event, please contact:


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- Independent
- The Enterprise
- The Recorder
St. Mary's prosecutors have charged a Great Mills man with criminally negligent manslaughter by motor vehicle in the death last fall of a pedestrian in a neighborhood off Chancellor's Run Road.
Thomas Dion Gunn, 22, also has been charged with failing to stop, and failing to immediately return and remain, at the scene of the Nov. 11 accident that severely injured James Benjamin Clarke Jr.
Clarke, 65, was found lying at about 9:30 a.m. that day on Harrison Street, in the housing area where he lived, St. Mary's sheriff's deputies reported during their initial investigation, and he died nine days later at a Baltimore hospital.
"The day after the collision, [Gunn] reported to the sheriff's office, and reported that he may have been the person that struck Mr. Clarke," St. Mary's Assistant State's Attorney Laura Caspar said Friday at the county courthouse.
Gunn had "fresh damage" to his truck, the prosecutor said, which was compared to red paint flakes found at the scene of the collision.
"At the time of the collision, he states that he did not believe he had" struck anyone with the truck, Caspar said. "Clearly, the state would disagree with that."
Doctors had no opinion as to whether Clarke would have survived if he had received immediate medical care after he was injured, the prosecutor said, a factor complicated by uncertainty about exactly what time the collision occurred.
Gunn was staying at a friend's home in the neighborhood, and told police that he was leaving there that morning to go to a relative's home, according to the prosecutor.
Caspar said the charges against Gunn were issued with a summons.


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Hang tight!
Recipe by Chef John
"This dish is similar to a clafoutis but is savory."
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1/2 cup
1/2 teaspoon
3/4 teaspoon
white sugar
1 pinch
fresh ground black pepper
1 teaspoon
chopped fresh thyme
1 1/4 cups
large eggs
1 tablespoon
lemon zest
1 pound
fresh asparagus, trimmed and cut into 2-inch pieces
1/4 teaspoon
2 tablespoons
This turned out great. I followed the measurements exactly, but used a 1.5 qt. casserole dish so I baked it 55-60 minutes. It was delicious. My hubby loved it and I loved how easy it was to make. I will definitely make it again. It's a keeper!
This was an easy recipe. It just lacked flavor. Maybe using additives such as, sauted mushrooms would help.
46 Ratings
I too followed the recipe but added some leftover ham for a one dish meal. I did leave out the thyme.
It's not a family favorite. Substituted with a bit of
rosemary which I added to the asparagus while
sauteing. There are so many ways you can make this dish your own while adding different ingredients. I think next time I just might try it has a Broccoli pie. What a great way to put veggies in the chidren.
This was quick and easy to make and tasted great! I added sliced mushrooms and we really liked it that way. The thyme gives it great flavor but if you're not a fan of thyme, skip it or add basil instead.
The recipe states to cut the asparagus into 2inch pieces but the video states 1inch. One inch is better because it's easier to cut when dished up. The idea of sliced of mushrooms would add more flavor to this dish. The presentation is pretty and cuts easily out of the dish.
Nice, light texture and people at Easter church breakfast liked the hint of lemon. Buy medium-sized asparagus and include the tops. Use finely grated zest of 1 lemon & scant 1/2 tsp. ground thyme per 8" x 8 " recipe. Due to dairy allergy, made a non-dairy version by sub. unsweetened original almond milk for milk and olive oil for butter.
Great recipe, easily adaptable for type of meal and personal tastes. I wanted a main entree that was all inclusive. I made the recipe as presented with these additions: Sauteed fresh, sliced mushrooms with asparagus. Diced up some left over honey glazed ham and added to the batter. Used a pinch of thyme and basil in the batter. Prepared as written put in the oven. 20 minutes before taking out I topped with shredded sharp cheddar cheese and continued to bake until cheese started to crisp at the edges. Because of the ham I used unsalted butter and omitted the salt in the recipe. Put salt on the table for those who thought they needed it. Will definately use Chef John's recipe again!
Tasted great but don't use whole wheat flour since it doesn't solidify as well (found out the hard way). Added some sauteed onions, feta and garlic powder as well, which fixed the bland flavour others mentioned.
* Percent Daily Values are based on a 2,000 calorie diet.
Asparagus Pie
Serving Size: 1/8 of a recipe
Servings Per Recipe: 8
Amount Per Serving
Calories: 113
Calories from Fat: 51
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See how to make an elegant, crustless asparagus pie.
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En español l Picture it: 624 million cups of coffee. A day.
That's about three cups per coffee drinker in the United States, where 83 percent of adults can't imagine life without their favorite cup of java.
Add to that tea, caffeinated soft drinks and those infamous energy drinks, and you won't be surprised to read that 90 percent of us consume caffeine in some form or another each day. Is this a bad thing? Not entirely.
Recent research has shown that coffee, in particular, may help prevent diseases like stroke and certain cancers, lower our risk of Parkinson's and dementia, and boost our concentration and memory. Partly that's because coffee beans are seeds, the National Institutes of Health (NIH) reminds us, and like all seeds, they're loaded with protective compounds.
"Coffee is an amazingly potent collection of biologically active compounds," Walter Willett, M.D., of the Harvard School of Public Health, told the National Institutes of Health's newsletter.
Caffeine, a mild stimulant, also provides benefits: It's been linked to lower risks of Alzheimer's disease, for example. But when it comes to caffeine, there really can be too much of a good thing. Those who study caffeine's lesser-known effects point to studies that indicate it can be worrisome for people with high blood pressure, diabetes and osteoporosis. Plus, caffeine can interact poorly with some common medications, and it can worsen insomnia, anxiety and heartburn.
It would make things easier if the caffeine content were listed on food labels so you would know if you've exceeded the 300 mg level that most health experts say is a safe, moderate amount for the day — about the amount in three 8-ounce cups of coffee, depending on how strong you brew it — but so far that's not happening.
So before you turn on that coffeemaker or grab a grande cup from your favorite cafe, here are some things to keep in mind.
First, the bad news about caffeine (and coffee)
Remember: Caffeine is a drug, says Steven Meredith, a researcher in behavioral pharmacology at the Johns Hopkins School of Medicine.
While low to moderate doses are generally safe, caffeine is addictive and users can become dependent on it and find it difficult to quit or even cut back, he says. (Caffeine dependence was even named as a new mental disorder this year.) Anyone who's ever quit cold turkey knows it can trigger pounding headaches, mental fuzziness and fatigue for a couple of days until the body adjusts.
Next page: Coffee and a touchy tummy. »


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Tax Education Credits And Deductions
College can be is very expensive, luckily Congress and the IRS have given us ways to offset education costs.
Advice For Successfully Getting A Small Business Loan
Even during challenging times, a small business with a sound strategy can obtain a loan.
Buyer's Guide: What To Look For In A New Digital Camera
When it comes to cameras, there is a wide array from which to choose. Consider these factors before making your next camera purchase.
Should You Itemize Your Taxes This Year?
Should you take the time to fill out the long 1040? It really depends. To find out whether you should itemize you will need to do some homework.
What's On Your Tax Return?
Review your tax situation now so you have some idea what tax bracket you will fall into this year and decide whether you want to do the long 1040 or the short 1040EZ.
A Simplified Tax Option For Home Offices
This tax season holds good news for millions of self-employed people who work from home: Home office deductions, which used to require a litany of calculations and the completion of a 43-line form, have at last been simplified.
Disappearing Deductions Cost Taxpayers
Changes to tax laws last year reinstated some income-based phase outs of some widely used personal exemptions and itemized deductions, leaving many taxpayers with higher tax bills.
The "Dirty Dozen" Tax Scams Of 2014
The IRS has a warning for Americans — watch out for tax scams. Every year the agency releases a "Dirty Dozen" list of the worst tax scams out there. This year, identity theft and phone scams top the list.
Tax Advice: Common Small Business Tax Filing Mistakes
Small businesses can innocently make tax mistakes that wind up racking up steep penalties. Consider these common mistakes before filing your taxes.
Five Tips for Getting the Most From Your 401(k) Plan
Whether you're 25 or 55, you know you'll want to retire one day – and to retire in comfort you must save. These five simple steps can help you make a big difference in your efforts to reach retirement with lots of money in your retirement account.
Tax Tips For Retirees
With careful planning, you may find yourself paying the IRS much less than you have in years past.
Newlywed? Whether To File Separately Or Jointly
Newlyweds are often confused about the best type of filing for their particular situation as well as the legalities involved. If you want to enjoy the lowest tax rate possible, you'll need to do your homework, starting with these considerations.
Should You E-File Or See A Tax Specialist For Your Returns?
When it comes to figuring your taxes, should you rely on software or turn to a pro?
Best E-Filing Programs For Tax Returns
Forget the stress of tax season by using one of these e-filing programs.
5 Tips For Doing Your Own Taxes
Save money — and maximize your refund — with these tips for doing your taxes all on you own.