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CHARLTON COUNTY, Ga. -- A high school teacher has been charged with multiple counts of having sex with students.
Danita Wilson, a 32-year-old teacher at Charlton County High School, is accused of at least seven counts of alleged sexual assault on a child, according to the Georgia Bureau of Investigation.
The charges allege at least seven different students are involved, according to Stacey Carson, GBI Assistant Special Agent In Charge.
Carson said the alleged activity has been going on for more than a year. The young people involved are not all Wilson's students, but they are or were students at the school at one time.
The Charlton County School Board received a tip from an unknown source that was passed on to the Charlton County Sheriff's Office on Tuesday. At the request of the Charlton County Sheriff's Office, the GBI conducted an investigation, said Carson.
Wilson turned herself in Tuesday afternoon at the Charlton County Sheriff's Office.
In a release the school board said:
"Charlton County School Board is dedicated to the education, safety and well being of all students. Currently there is an ongoing investigation regarding inappropriate conduct by an employee of the school district. All further inquires are being referred to the Georgia Bureau of Investigation."
On Wednesday evening, Wilson was released from jail on a $35,000 bond.
Juliette Wilson, a lifelong resident of Folkston, said she's horrified at the news of the allegations against Wilson.
"This keeps happening," she said. "I don't know what these people are thinking that they keep doing this to children, that it's permissible. I don't understand it. Like I say, I'm horrified."
Monet Milton, another Folkston resident, says it's a sad situation.
"I think it is sad, I mean why would she do something like that?" Milton said. "It doesn't make any sense. She is out there supposed to be teaching and she is having an affair with students. That is sad."


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Review JVC DLA X70R Home Theater Projector
1080p with a 4K Twist
There are two things buzzing in the home theater projector market right now, 3D and 4K, and this projector has both of them, well, sort of.
Over the past couple of years I've heard many installers move from other brands over to JVC projectors. What they rave about is the high performance for the relatively moderate price. JVC uses DILA technology instead of DLP or LCD. The benefit is the projector is able to produce very deep blacks as well as avoid the whole rainbow effect problem of single-chip DLPs. In this review I check out the JVC DLA X70R.
The best home theater system is the one you plan with help from the experts. Get premium advice for FREE in our expert guide, Planning the Best Home Theater System: Choosing the Best Home Theater Projector, Best Home Theater Speakers, Best Home Theater Receiver, Best Home Theater Screens & More.
In this series JVC introduced a new technology called eShift which produces a 4K-ish picture. It's not exactly 4K though, and I wish the company wouldn't refer to it as that because I worry it just adds confusion, but the results on the screen are still exceptional, so I'll give the company a pass. In fact it won't accept a 4K signal (that's OK because as of today there aren't any). Essentially, the projector uses three 1080p DILA chips (the same as any DILA projector) but the added eShift trick shifts the pixels a smidgeon and fires them twice to achieve an onscreen resolution of 3840 x 2160, the result is a double spoonful of pixels on the screen.
OK, it's a trick, but the trick works and creates a smoother picture with virtually no space between the pixels. I walked right up to the screen and still found it difficult to discern any pixel gap. Why is that important? Because it lets you get closer, and closer is good.
I used the X70 with a 120-inch Seymour Screen Excellence Enlightor 4K screen (see screen review here). This acoustically transparent screen is constructed of such an invisible micro weave that you need to put your nose on it to see the texture. Coupled with a projector that effectively eliminates a visible pixel structure and you get an image that can be viewed incredibly close. I found myself pulling my seat up two feet close from where I normally sit with my DLP projector.
Setting up the projector was simple, thanks to a well-organized menu with easy to operate controls. It's a THX-certified unit and offers a lot of customization to the picture settings, so with the right equipment you can dial this unit in perfectly. It features electronic zoom and vertical and horizontal lens shift. You can save three separate lens memories, which is especially nice if you use a 2.35.1 screen and like to switch between that and 16:9 at a constant height without an anamorphic lens option.
As a DILA projector, it produced very solid blacks. During all the dark arts business of the last Harry Potter film, blacks and colors looked great side by side. The deep blacks also contributed to a wonderful sense of depth that produced the 3D effect we love in a big screen, which brings me to my next topic—true 3D.
The X70 is an active-shutter 3D projector. An IR signal emitter and two sets of glasses are extra (but come with the X90 model). The glasses charge up via a USB cord. The glasses and the emitter are easy to use, and the glasses aren't the ugliest ones I've seen. While the projector does a good job of displaying 3D, it seemed to introduce a bit more crosstalky jitter to the picture than some other 3D models I've used. The picture does noticeably dim when you put the 3D glasses on even though the projector itself brightens into high lamp mode.
Speaking of modes, the projector takes an unusually long time to switch between some modes—such as 2D to 3D or when changing 3D formats. It also can take a couple of seconds to recognize what kind of signal it's being fed, but unless you're pathologically impatient, this isn't a problem.
Details and color saturation looks great in both 2D and 3D. In all video and test patterns I threw at it, the picture was smooth and vibrant.
If you don't have a lot of 3D Blu-ray discs (and who does?), the unit will create 3D out of any 2D you feed it. In this, it does a very good job of adding extra depth appeal.
Ultimately, whether this projector is actually 4K or not isn't really important now. You won't get anything near this performance for the $8K list price. Sony's true 4K projector is $25,000, and there's still the issue of there being no 4K material. The JVC creates an exceptional picture that allows you plenty of flexibility at a reasonable price, which explains why so many pros are using it now.
Deep blacks
No visible pixels
Easy to use
Not true 4K
Some 3D artifacts
Contrast Ratio in class (80,000:1)
THX Calibration mode
120Hz Clear Motion Drive
1,200 lumens
2D to 3D Converter
Automatic Lens Cover
Wide Lens Shift functionality (V: 80%, H: 34%)
2X Zoom (1.4 to 2.8 throw ratio)
3 Position Lens Memory for easy Cinemascope and 16:9 HDTV setup
Motorized Focus, Zoom & Lens Shift
Dual 3D enabled HDMI v1.4a input with Deep Color and CEC
Component Video
RJ45 LAN Connection
12V Trigger
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subset: commoncrawl


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Paradise is Closer Than You Think with Outdoor Hunter Fans
With over a hundred years of prestige and durability behind them, Hunter knows quality outdoor ceiling fans. Hunter produced the first water based ceiling fans so you know outdoor Hunter ceiling fans are top of the line. With so many styles, designs and finishes of exterior Hunter fans we have some suggestions for you.
Hunter Concert Breeze 52 inch. This extraordinary UL Damp rated ceiling fan actually has a speaker within the fan that you can hook your radio, TV or other electronic devices up to. Let the sound cascade down on your next barbeque or pool party by putting this on your covered back porch or deck. This includes a remote control with full range light dimming and audio functions.
Hunter Bayview 54 inch. This Energy Star rated tropical fan would look perfect in a beachside home. It comes in provencal gold and white. The UL Damp rating lets you know it's good for covered locations and can protect you from the harsh sea salted moist breeze.
Hunter Charthouse 52 inch. This is our most popular UL Wet and Damp rated Hunter outdoor ceiling fan. The unique bedboard blades are easy to clean and assure comfort. This fan comes in white and weather bronze, and would look great on any deck or pool area.


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Shows Flash designers how to incorporate ActionScript code into projects and create interactive presentations and applications.
Helps designers build their power user skills with an array of timesaving tips, tricks, and techniques that work in multiple versions of Flash Professional.
Demonstrates key changes in the CS5.5 release of Adobe's interactive design and animation software.
Explains the fundamentals of Flash CS5, the industry standard for creating animations and interactive applications for the web, desktop, and mobile devices.
Demonstrates key changes in the CS5 release of Adobe's interactive design and animation software.
Dives deep into the details of manipulating audio in Flash using ActionScript 3.0; shows how to create an audio player for the web.
A number of project lessons detailing how Flash Action Script 3.0 and object-oriented programming can be used to build common UI widgets.
Todd Perkins dispels the belief that Flash content hampers SEO.
Shares tools and techniques to help create a more streamlined workflow through reusable code components.
Teaches new designers the building blocks of web programming.
Shows how to master the new Motion Tween model and the Motion Editor to control easing and effects.
Offers new Flash users a thorough explanation of the interface, tools, and techniques at the heart of any project.
Explains Flash fundamentals, including drawing tools, objects, and symbols.
Demonstrates the new motion tween model, how to create and animate with bones, and the capabilities of the new integrated 3D tools.
Covers each step involved in creating particles and building particle systems.
Teaches the use of RSS data for blogs, podcasts, and images.
Focuses on the animation and storytelling aspects of Flash and covers the core skills needed for starting an animation project.
Hands-on tutorials teach how to build dynamic, streamlined sites using Flash CS3 Professional.
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- Filed Under
The annual Apple Butter Stirrin's Festival will be from 10 a.m. to 6 p.m. Oct. 18 and 19 and 10 a.m. to 5 p.m. Oct. 20 in Roscoe Village.
There will be an invitational craft show, demonstrations, children's activities, food booths, corn shelling contest, music and more. A hand stitched quilt will be raffled at 3:30 p.m. Sunday. Raffle tickets will be available the weekend of the festival at the main stage and at the Roscoe Village Visitors Center.
Admission is $5 per person with children younger than 12 free. Parking is free. For more information, call 740-622-7644 or go to www.roscoevillage.com.


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Reissue of Kevin Welch's classic 1999 album on the Dead Reckoning label. Featuring Bekka Bramlett, Isaac Freeman, Mike Henderson, Kieran Kane, Fats Kaplin, David Rawlings, Harry Stinson, Gillian Welch, Charlie White and Glenn Worf.
Kevin ... more
Kevin Welch, best known for his role in Americana innovators Kane, Welch, Kaplan, Kevin is well known for walking the line between country and folk.


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The unmanned Global Hawk would replace the U-2 spy plane, which the Air Force proposes retiring in its fiscal 2015 budget request. (Staff Sgt. Timothy Jenkins / Air Force)
- Filed Under
The U-2 spy plane. (Master Sgt. Scott Sturkol / Air Force)
The cost of flying the Global Hawk reconnaissance drone has dropped to the point where Air Force leaders want to replace the venerable U-2, but the new drone still has years to go before it will match the Dragon Ladys spy abilities, officials said.
For the past few years, the Air Force had pressed to cut the massive drone and keep the U-2 flying, with Congress repeatedly forcing the service to keep the drones flying. That all changed with the fiscal 2015 budget request released Tuesday.
Last year, we were going to keep the U-2s and retire or shrink- wrap the Global Hawks, Defense Undersecretary Robert Hale said. Now, the operating costs on the Global Hawk Block 30 have come down. It was always a close call. Now it comes down in favor of the Global Hawk. Well keep them and gradually retire the U-2s.
Air Force Secretary Deborah Lee James said a drop in sustainment costs was the driving factor in this recommendation, with costs per flying hour of the Global Hawk across all variants dropping to about $24,000 in fiscal 2013. The Block 30 variant, which the Air Force originally wanted to send directly from the factory to the boneyard, flew 58 percent of the total fiscal 2013 RQ-4 flying hours.
The U-2s cost per flying hour has remained fairly stable at about $32,000, according to the Air Force.
Other cost factors contributed to the budget recommendation, including the money previously spent on infrastructure for the Global Hawks, said Lt. Gen. Charles Davis, the military deputy in the office of the assistant secretary of the Air Force for acquisition.
Were finally bringing the airplane into the fleet, and weve been paying for the infrastructure to put it there, Davis said March 5. At some point your investment in being able to get that situated, normalized across the Air Force gets paid up and now you are just paying variable costs.
While the costs have fallen, the Global Hawk still has catching up to do in terms of sensor capabilities to put it on par with the U-2.
Theres going to be some investment were going to have to make in the Global Hawk to bring it up to the mission capability of the U-2, he said.
This includes the universal payload adapter proposed by manufacturer Northrop Grumman, which the Air Force said last fall it was not going to purchase. The adapter, which would take the cameras and other sensor equipment straight from the U-2 and attach it to the Global Hawk, would cost about $487 million, according to Air Force documents. It would also take about three years to develop and two years to produce.
The cost could be mitigated by the savings of using the optics from already retired U-2s, Davis said.
But the goal now is not to put the Global Hawk completely on par with the U-2, rather to have the Global Hawk meet requirements set by combatant commanders, Davis said.
It has to be What do we need to get to the COCOM requirements, and that will be different, Davis said. The COCOMs said I really like what Im getting off the U-2, Im going to need the Air Force to preserve that.
The Air Force has a fleet of 33 U-2s, which first began flying in 1956. If the budget request is approved, retiring the fleet would begin in 2015, and be completed by the end of 2016.
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House Speaker John Boehner and other Congressional Republicans proposed Monday a new 10-year, $2.2 trillion blueprint to President Barack Obama.
WASHINGTON (AP) - House Speaker John Boehner says President Barack Obama is slow-walking talks to avoid the fiscal cliff, and hasn't outlined spending cuts he's willing to support as part of a compromise.
The Ohio Republican said Tuesday that without spending cuts, there can be no balanced plan to reduce deficits and avoid the automatic tax hikes and spending cuts set to kick in at the turn of the year.
In a downbeat assessment of negotiations to date, the speaker said the longer the president drags the talks, the closer the economy gets to the fiscal cliff and the threat of a new recession.
Copyright 2015 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.


text: Photos: Skiers salivate as fresh snow covers Northwest slopes Share this story email Share this story «Previous 13 of 20 Photos Next » « » Fresh Snow on Northwest Ski Slopes Workers clear a pile of snow that fell at Mt. Baker ski resort over the weekend of Nov. 2, 2013. (Photo: Mt. Baker Ski Resort)


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If morning showers are your thing, but drying your hair isn't, fear not. There are several ways you can get your damp locks to perk up quickly. First, blot your hair with paper towels, a chamois, or toilet paper, says Siobhan O'Connor, co-founder of No More Dirty Looks. After letting your hair air dry for ten minutes, O'Connor suggests using some of her favorite products. "Intelligent Nutrients Volumizing Spray, coats the hair, protecting it from heat and sealing it, making it smoother and dryer faster," O'Connor says. "I also use an Intelligent Nutrients paddle brush that conducts heat without getting too warm — or melting the bristles, god forbid. This combination has my very thick head of hair sleek in about 10 to 12 minutes flat — seriously."
If you're strapped for time but refuse to leave the house without dabbing on some makeup, try this simple routine from Helen Seicento of Lola's Secret Beauty Blog: "Use a nice, neutral eye shadow for a quick wash of color on the top lid, and then an eyeliner pencil that you can quickly apply into the lash-line if you want a natural look," Seicento says. "You can wing if you want a more dramatic look."
How to Prevent Dry Winter Skin


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I have bourbons and ryes that cost well over $50 and some well over $100. What do I drink most of the time WT 101 a $22 bourbon I think it's great you don't need to spend a fortune on whiskey to get great quality. Drink what you like not what is going to impress someone.
Last edited by p_elliott; 06-15-2013 at 09:28.
Normal is an illusion. What is normal to the spider, is chaos for the fly.
Right on Paul, I figure if I can't get there with a grade Bourbon I ain't trying.
As a younger guy who will probably get married in the next few years, it's good to see that I'm getting all these helpful relationship tips in addition the all the accumulated bourbon knowledge that SB is known for.
Back to the original topic, what are you guy's thoughts on the AAA 10 star in relation to other bourbons in that price range?
Gary (aka 'Country')
"Too much of anything is bad, but too much of good whiskey is barely enough." - Mark Twain
"Because Whiskey Matters!" - David Perkins
Now, Bourbon advice; that's another story! You will certainly come to love some brands more than others; but as several have pointed out, you do NOT need to spend like a sailor to enjoy some very satisfying Bourbons. Most of my top-20 list are under $42, and many are under $32... and those are Michigan prices, not the less expensive ones available in many states.
Taste away, and make some notes about what you prefer, and why. Those notes can be great fun to look back at in a year or two; and can be quite informative, too.
Richnimrod-we're practically neighbors...I'd love to catch you on chat sometime.
And on the topic of people feeling like they need to spend gobs of money to have "good tastes", I'm not a big fan of doing something solely because society tells you to..In my household we ruthlessly ridicule that "brand whore" mentality...


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TAMPA, Fla.- For more than 37 years, General David Petraeus proudly served his country in the U.S. Army, guiding America through its wars in the Middle East and as head of U.S. Central Command. For some of that time, he lived in Tampa in a waterfront home on MacDill Air Force Base.
"He made everyone feel great. He was a very human individual and just a really nice man," said close friend and Tampa businessman John Osterweil.
Osterweil threw a welcome reception for the general when he first moved to Tampa and has been friends with Petraeus ever since.
"I've had a chance to meet many of the generals at MacDill and he's just a wonderful human being, stimulating, and a real credit to our nation," said Osterweil.
But the retired 4-star general's career as head of the CIA came crashing down last week when an investigation by the FBI revealed an extra marital affair with the publisher of his biography.
By Monday, the media frenzy had converged on Tampa and the home of Jill Kelley, a close Petraeus friend, and the woman who first alerted the FBI after receiving threatening emails from the biographer.
On this Veterans Day, Osterweil and others say despite whatever happened in the general's personal life, it's important not to forget his service to his country.
"I don't think we've heard the last of him. He's a real rock star and he'll do great things for us in the future."


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SEC filing reveals details of Apple's AuthenTec buyout
updated 11:55 am EDT, Thu August 16, 2012
Apple aiming after 'new technology' for products
A PREM14A proxy statement filing with the SEC has exposed some of the details of Apple's acquisition of AuthenTec in late July. Talks between the companies are said to have begun "late in 2011," after AuthenTec approached "several leading consumer electronics companies" about providing a new technology it had created. Apple was the only business to respond; AuthenTec suggests that the main reason was cost.
Negotiations for a commercial deal started toward the end of February 2012, and extended into April. Some of the issues at stake were the amount of IP AuthenTec would grant to Apple, and what the AuthenTec engineering team would have to do to accommodate Apple's plans. No terms could be agreed on; on May 1st Apple instead notified AuthenTec of its intent to acquire the company, for which it was willing to pay $7 per share, a 115 percent premium over the previous day's closing price.
On May 2nd Apple intensified its efforts; the filing indicates that the company thought its offer was "very attractive," since AuthenTec would have trouble trying to develop new technologies for Apple's rivals, which "have dozens of different smartphone platforms, in contrast to Apple's unique narrow product platform, which allows for unity of design in component parts across significant unit volumes."
Apple then put forward a transaction structure and timeline; around this point it explained that it wanted to move quickly on the deal because of "product plans and ongoing engineering efforts." The company in fact threatened to pull its offer if the AuthenTec board of directors tried to solicit bids from any other parties; a board meeting was promised, after which AuthenTec said it would respond to Apple.
The offer is said to have also included a use agreement for AuthenTec patents worth $20 million, which Apple could then license for up to $115 million. Most notable however may some of the wording in the SEC filing: "The IP agreement provides Apple with the right to acquire non-exclusive licenses and certain other rights with respect to hardware technology, software technology and patents of the Company for commercialization of 2D fingerprint sensors for use in or with Apple products," the document reads.
While fingerprint sensors might be an expected reason for buying AuthenTec, it's still unclear how Apple might implement them. One possibility is integration with Passbook, the ticketing/coupon app built into iOS 6. If the app becomes a full-fledged e-wallet tool, fingerprint scanning could be used to ensure that only authorized people can make payments with an iPhone or other iOS device. Alternately or alongside that, a scan could be used unlock iOS or OS X without entering a passcode.
Lending credence to the e-wallet idea is that on May 8th AuthenTec announced that it had launched its "first smart sensor specifically tailored for secure NFC mobile commerce." The sensor registers 192x8 pixels, and incorporates "hybrid fingerprint matching, AES, RSA and SHA encryption blocks, and One Time Password (OTP) generation."
While Apple could conceivably be interested in something else, rumors have had the company interested in NFC technology for some time, even prior to the launch of the iPhone 4S. Whether or not Apple could incorporate NFC-ready AuthenTec sensors into 2012 products is debatable; a new iPhone and a mini iPad are expected to be announced in mid-September, which starting from May would've given Apple a three-month integration window, since at least a month is needed for manufacturing.
May 8th is also when AuthenTec came back with a counter-offer, saying it would need $9 per share. Apple refused to budge past $8, but in the following weeks the deal moved toward being finalized. On May 31st Apple called a temporary halt, insisting that some issues had to be resolved; the focus switched to licensing the technology, and between June 1st and July 3rd the two sides worked to "design and develop the technology for Apple and continued to negotiate to narrow the significant differences between the parties regarding acceptable terms for a commercial agreement."
Between July 17th and July 19th the businesses formulated a plan that would let AuthenTec offer technology to Apple but keep open the possibility of a bid from another company. "Apple emphasized its requirement that the development of the technology would not be interrupted regardless of whether the proposed transaction was completed," the filing adds. "On the evening of July 19, the parties agreed to the key terms of the IP agreement and the development agreement."
The deal was only cemented on the evening of July 26th, just a day before it was made public. Technically AuthenTec is still in a position to accept a rival offer, but that may be unlikely, especially as any bidder would need to pay Apple $10 million. A greater worry may be legal investigations into whether AuthenTec was undervaluing itself at the expense of shareholders.


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About This Activity
The after school recreation program is a fun experience in social engagements where children can pick and choose activities while being supervised. Our number one goal is to provide a safe and fun environment for children on the playground after school. We also offer a weekly schedule of arts & crafts, high and low organized games, sports, and more!


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Piranha 3DD posterCopyright by respective production studio and/or distributor. Intended for editorial use only.
Directed by: John Gulager
Cast: Danielle Panabaker, Ving Rhames, Christopher Lloyd, David Koechner, Gary Busey, David Hasselhoff, Paul Scheer, Jean-Luc Bilodeau, Matt Bush, Katrina Bowden
Links: Piranha 3DD movie stills


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GREENSBORO, NC -- All week, 2 Wants to Know has been talking about emergency preparedness. It's important for adults to be prepared, but it may be even more important to make sure your kids are prepared.
But how do you talk to them without scaring them? Shannon Koontz with Piedmont Parent Magazine joined Tanya Rivera to talk about how to talk to kids about planning for disasters. Koontz said, "Don't discredit their fears by saying disasters can't happen here, because they happen everywhere. Just answer questions that they may have with simple language, not giving them too many scary details based on disasters and emergencies that have happened elsewhere. Stick to discussing things that they can do to help the situation and themselves in the event of a disaster. This will help them to feel empowered and prepared."
There are also ways you can involve kids in their planning. Koontz said, "One way is to design a map of your house. For younger kids, you can draw it and they can color in two safe ways to get out. Pick a home base both near your house and their school, someplace where they feel safe that is also out of harm's way. Let them help you put together an emergency kit so they can know what goes in it, and ask questions if needed. They may also want to pack a small bag of their own containing some of their favorite things."
Koontz also said safety events in the community are also a good way to educate kids to help lessen their fears. She said talking them to meet the people who help them in an emergency like fire and police officials and get even more educated on disaster planning.
You can get more information on children and family events in the Triad by going to Piedmont Parent's website or by following them on Twitter: @PiedmontParent.
WFMY News 2


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Shaquille O'Neal is buying a share of the Sacramento Kings.
- Filed Under
Former LSU and NBA great Shaquille O'Neal - "Dr. O'Neal," if you ask him - is hoping to help cure the Sacramento Kings.
As the Kings continue their image makeover that was sparked by the late May sale of the team to Vivek Ranadive, they have made a big and bold move by adding O'Neal as a minority owner. The TNT analyst once gleaned pleasure in deriding the Kings, whom he owned in a very different way when his Lakers thrice knocked their rival out of the playoffs en route to titles in 2000, 2001 and 2002. Now his joy will come from seeing one of the league's worst-performing franchises turn things around.


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Keep treasured memories of your wedding day forever with this beautiful Large photo Album from the Two Hearts One Love Collection with matching keepsake box and intricate lazer cut detail. The album comes with a separate compartment and blank CD for you to upload your photos onto for safekeeping as well as adhesive glue dots for securing your photos, protected by delicate interleaving throughout.
- H300 x W300 x D45mm
Item details
- 36 pages with interleaving to protect each individual photo
- Product Contains: CD pocket and blank CD
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Subprime lending
|This article needs additional citations for verification. (September 2015)
In finance, subprime lending (also referred to as near-prime, non-prime, and second-chance lending) means making loans to people who may have difficulty maintaining the repayment schedule, sometimes reflecting setbacks, such as unemployment, divorce, medical emergencies, etc.[1] Historically, subprime borrowers were defined as having FICO scores below 640, although "this has varied over time and circumstances."[2]
These loans are characterized by higher interest rates, poor quality collateral, and less favorable terms in order to compensate for higher credit risk.[3] Many subprime loans were packaged into mortgage-backed securities (MBS) and ultimately defaulted, contributing to the financial crisis of 2007–2008.[4]
Proponents of subprime lending maintain that the practice extends credit to people who would otherwise not have access to the credit market. Professor Harvey S. Rosen of Princeton University explained, "The main thing that innovations in the mortgage market have done over the past 30 years is to let in the excluded: the young, the discriminated-against, the people without a lot of money in the bank to use for a down payment."[5]
Defining subprime risk[edit]
The term subprime refers to the credit quality of particular borrowers, who have weakened credit histories and a greater risk of loan default than prime borrowers.[6] As people become economically active, records are created relating to their borrowing, earning and lending history. This is called a credit rating; although covered by privacy laws, the information is readily available to people with a need to know (in some countries, loan applications specifically allow the lender to access such records). Subprime borrowers have credit ratings that might include:
- limited debt experience (so the lender's assessor simply does not know, and assumes the worst), or
- no possession of property assets that could be used as security (for the lender to sell in case of default)
- excessive debt (the known income of the individual or family is unlikely to be enough to pay living expenses + interest + repayment),
- a history of late or sometimes missed payments so that the loan period had to be extended,
- failures to pay debts completely (default debt), and
- any legal judgments such as "orders to pay" or bankruptcy (sometimes known in Britain as county court judgments or CCJs).
Lenders' standards for determining risk categories may also consider the size of the proposed loan, and also take into account the way the loan and the repayment plan is structured, if it is a conventional repayment loan, a mortgage loan, an endowment mortgage, an interest only loan, a standard repayment loan, an amortized loan, a credit card limit or some other arrangement. The originator is also taken into consideration. Because of this, it was possible for a loan to a borrower with "prime" characteristics (e.g. high credit score, low debt) to be classified as subprime.[7]
Student loans[edit]
In United States the amount of student loan debt recently surpassed credit card debt, hitting the $1 trillion mark in 2012.[8] In other countries such loans are underwritten by governments or sponsors. Many student loans are structured in special ways because of the difficulty of predicting students' future earnings. These structures may be in the form of soft loans, income-sensitive repayment loans, income-contingent repayment loans and so on. Because student loans provide repayment records for credit rating, and may also indicate their earning potential, student loan default can cause serious problems later in life as an individual wishes to make a substantial purchase on credit such as purchasing a vehicle or buying a house, since defaulters are likely to be classified as subprime, which means the loan may be refused or more difficult to arrange and certainly more expensive than for someone with a perfect repayment record.
United States[edit]
Although there is no single, standard definition, in the United States subprime loans are usually classified as those where the borrower has a FICO score below 640. The term was popularized by the media during the subprime mortgage crisis or "credit crunch" of 2007. Those loans which do not meet Fannie Mae or Freddie Mac underwriting guidelines for prime mortgages are called "non-conforming" loans. As such, they cannot be packaged into Fannie Mae or Freddie Mac MBS.[9]
A borrower with an outstanding record of repayment on time and in full will get what is called an A-paper loan. Borrowers with less-than-perfect credit 'scores' might be rated as meriting an A-minus, B-paper, C-paper or D-paper loan, with interest payments progressively increased for less reliable payers to allow the company to 'share the risk' of default equitably among all its borrowers. Between A-paper and subprime in risk is Alt-A. A-minus is related to Alt-A, with some lenders categorizing them the same, but A-minus is traditionally defined as mortgage borrowers with a FICO score of below 680 while Alt-A is traditionally defined as loans lacking full documentation.[10] The value of U.S. subprime mortgages was estimated at $1.3 trillion as of March 2007,[11] with over 7.5 million first-lien subprime mortgages outstanding.[12]
New types of "exotic" mortgages became popular in the U.S in the years leading up to the economic downturn. These mortgages often featured "teaser rates" that kept initial monthly payments artificially low, only to have them increase significantly later in the mortgage. Features such as this were never adopted by major Canadian mortgage lenders[citation needed]. The sub-prime market did not take hold in Canada to the extent that it did in the U.S.[citation needed], where the vast majority of mortgages were originated by third parties and then packaged and sold to investors who often did not understand the associated risk. Most mortgages in Canada, on the other hand, are originated and retained by institutions whose goal is to maintain a long-term relationship with the borrower.[citation needed] CMHC does not insure sub-prime mortgages[citation needed].
Canadian banks, trust companies and credit unions tend to have a broader relationship with their customers than just a mortgage[citation needed], also offering credit cards, car loans and investments. They have a financial interest in ensuring that borrowers do not take on unmanageable debt[citation needed], which reinforces their motivation to prudently underwrite mortgages[citation needed].
The Canadian banking system is dominated by five or six large banks that together hold the majority of domestic banking assets. The large banks are in turn diversified geographically and across product lines, while the non-traditional, or shadow, banking system is relatively limited in scope compared with that of the U.S.[citation needed] Oversight is facilitated by a single authority (the Office of the Superintendent of Financial Institutions, or OSFI), which has responsibility for the prudential[citation needed] oversight of these federally incorporated institutions. Communication with the banking community is thus reasonably straightforward[citation needed]. There is a strong focus on the quality of the banks' risk-management practices.[citation needed] While this is often attributed to a traditionally conservative business culture in Canada[citation needed], an important factor in Canada is the difficult lessons learned from previous banking problems. An example is the economic difficulties in the early 1990s, which included a significant housing downturn.[citation needed] Canadian banks therefore entered the recent period of financial stress with better risk-management practices[citation needed], focused on limiting credit losses[citation needed], than in previous episodes. This helped to limit their exposure to some potentially riskier sectors and products. For example, subprime mortgages, as they occurred in the U.S. market, remained a relatively limited phenomenon in Canada[citation needed].[13][not in citation given]
Subprime crisis[edit]
The subprime mortgage crisis arose from 'bundling' American subprime and American regular mortgages into MBSs which were traditionally isolated from, and sold in a separate market from, prime loans.[4] These 'bundles' of mixed (prime and subprime) mortgages were based on asset-backed securities so the 'probable' rate of return looked superb (since subprime lenders pay higher premiums, on loans secured against saleable real-estate, which therefore theoretically, 'could not fail'). Many mortgages had a low interest for the first year, and poorer buyers defaults were 'swapped' regularly at first, but finally such borrowers began to default in large numbers. The inflated house-price bubble burst, property valuations plummeted and the real rate of return on investment could not be estimated, and so confidence in these instruments collapsed, and all less than prime mortgages were considered to be almost worthless toxic assets, regardless of their actual composition or performance. Because of the "originate-to-distribute" model followed by many subprime mortgage originators, there was little monitoring of credit quality and little effort at remediation when these mortgages became troubled.[4]
To avoid high initial mortgage payments, many subprime borrowers took out adjustable-rate mortgages (or ARMs) that give them a lower initial interest rate. But with potential annual adjustments of 2% or more per year, these loans can end up costing much more. So a $500,000 loan at a 4% interest rate for 30 years equates to a payment of about $2,400 a month. But the same loan at 10% for 27 years (after the adjustable period ends) equates to a payment of $4,220. A 6-percentage-point increase (from 4% to 10%) in the rate caused slightly more than a 75% increase in the payment.[14] This is even more apparent when the lifetime cost of the loan is considered (though most people will want to refinance their loans periodically). The total cost of the above loan at 4% is $864,000, while the higher rate of 10% would incur a lifetime cost of $1,367,280.
See also[edit]
- Amortization (business)
- Collateral (finance)
- Endowment mortgage
- Graduated payments
- Microcredit
- Mortgage loan
- Soft loan
- Student loan default
- ^ The Financial Crisis Inquiry Report (PDF). National Commission on the Causes of the Financial and Economic Crisis in the United States. 2011. p. 67.
- ^ Lo, Andrew W. "Reading About the Financial Crisis: A 21-Book Review" (PDF). Draft: January 9, 2012. Journal of Economic Literature. Retrieved 17 November 2013.
The term "subprime" refers to the credit quality of the mortgage borrower as determined by various consumer credit-rating bureaus such as FICO, Equifax, and Experian. The highest-quality borrowers are referred to as "prime", hence the term "prime rate" refers to the interest rate charged on loans to such low-default-risk individuals. Accordingly, "subprime" borrowers have lower credit scores and are more likely to default than prime borrowers. Historically, this group was defined as borrowers with FICO scores below 640, although this has varied over time and circumstances, making it harder to determine what "subprime" really means.
- ^ "Subprime Lending". U.S. Department of Housing and Urban Development.
- ^ a b c Lemke, Lins and Picard, Mortgage-Backed Securities, Chapter 3 (Thomson West, 2013 ed.).
- ^ Goolsbee, Austan (2007-03-29). "Irresponsible Mortgages Have Opened Doors to Many of the Excluded". Economic Scene (The New York Times). Retrieved 2010-12-03.
- ^ "FDIC-Guidance for Subprime Lending". Fdic.gov. Retrieved May 1, 2010.
- ^ Demanyank Y. (2009). Ten Myths about Subprime Mortgages. Federal Reserve Bank of Cleveland.
- ^ "Student Loan Debt Exceeds One Trillion Dollars". www.NPR.org. NPR. Retrieved 19 January 2015.
- ^ Lemke, Lins and Picard, Mortgage-Backed Securities, Chapter 2 (Thomson West, 2013 ed.).
- ^ Alt-A Mortgages.
- ^ "How severe is subprime mess?". msnbc.com. Associated Press. March 13, 2007. Retrieved July 13, 2008.
- ^ Ben S. Bernanke (May 17, 2007). The Subprime Mortgage Market (Speech). Chicago, Illinois. Retrieved July 13, 2008.
- ^ http://www.cmhc-schl.gc.ca/en/corp/nero/jufa/jufa_018.cfm
- ^ Gad, Sham (2007-07-10). "The Skinny on Subprime". Fool.com. Retrieved 2010-05-01.
External links[edit]
|Look up subprime in Wiktionary, the free dictionary.
- J F Bellod, "La Crisis Imposible"
- Wolves Feeding On Bailout NPR.com
- "The subprime wolves are back". Businessweek.
- Workers Say Lender Ran 'Boiler Rooms' Michael Hudson and E. Scott Reckard, Los Angeles Times, Feb. 4, 2005.
- Peter Coy (2007-03-02). "Why Subprime Lenders Are In Trouble". Business Week.
- Yuliya Demyanyk and Otto Van Hemert (2007-10-10). "Understanding the Subprime Mortgage Crisis". SSRN. SSRN 1020396.
- "Subprime Lending". United States Department of Housing and Urban Development. 2006-03-24.
- "Q&A: Sub-prime lending". BBC. 2007-03-14.
- "The Rise and Fall of Subprime Mortgages" (PDF). Federal Reserve Bank of Dallas. November 2007.
- "Jan 15 2008 Main sub-prime losses reported]". BBC News. January 15, 2008. Retrieved January 6, 2010.
- "Sub-Prime Trail of Deceit" The Cleveland Plain-Dealer investigation into the complicity of lenders in the Cleveland foreclosure mess. May 2008
- Edward Gramlich (2004-05-21). "Subprime Mortgage Lending: Benefits, Costs, and Challenges". Board of Governors of the Federal Reserve System.
- "From Sub-Prime to Prime-Time - A Debate on the Current Financial Crisis" A panel of economists at Columbia University, School of International and Public Affairs, Feb 28, 2008. "The Obama Recession: An Abbreviated History". Freedomofbleep.com. 2008-11-24. Retrieved 2010-05-01.


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HPD: Man steals $6,000 worth of clothes
Published On: Feb 06 2013 03:06:37 PM CST
A man went to a clothing store to confess to stealing and ended up going to jail, detectives said.
Douglas Sangster, 53, has been charged with theft.
Houston police Sangster stole $6,000 worth of merchandise, including two scarves, nine sweaters and 32 shirts from various Jos. A. Bank clothing stores during a two-week period in December.
Sangster went to a location in the 4000 block of Westheimer on Wednesday because he felt guilty and wanted to return the merchandise, investigators said.
The store decided to press charges. Sangster was released from jail after posting $2,000 bond.


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|Bujrum, Dobrodošli!
|Bujrum, Dobrodošli!
Have a new idea?
Hi there! Do you like shiny new things? You should join our Pro Tester Program. ;) If you're already a member and haven't received an invite from us to test something recently, let us know!
|rnewsat says:
Sometimes I missed alarm because it was too short and low or I was too busy. I hope RTM works like an alarm.
Posted at 6:11am on November 18, 2011


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Results 1 to 1 of 1
#1 First Verizon iPhone Commercial: It Begins01-24-2011, 06:45 AM
Verizon started airing their first iPhone advertisement tonight. Described by MarximusMG and embedded above:
It starts out with shots of various clocks ticking, as well as a few shots of tapping feet and fidgeting hands. The ticking continues throughout the entire commercial, until one shot shows a clock reaching 12:00. Then the voiceover: "To our millions of customers who never stopped believing this day would come: Thank you." This is followed by more ticking, and on each tick the screen shows: "iPhone 4, Verizon, It Begins, 2.10.11, Rule the Air."
After years of speculation and rumors, Verizon will be launching the iPhone 4 to the general public on February 10, 2011. Existing Verizon customers will be able to begin preorders on February 3rd with general availability on February 10th.
Last edited by txradioguy; 01-24-2011 at 06:47 AM.In Memory Of My Friend 1st Sgt. Tim Millsap A Co, 70th Eng. Bn. 3rd Bde 1st AD...K.I.A. 25 April 2005
Liberalism Is The Philosophy Of The Stupid
To Achieve Ordered Liberty You Must Have Moral Order As Well
The libs/dems of today are the Quislings of former years. The cowards who would vote a fraud into office in exchange for handouts from the devil.
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Horror Movies Forum » Mainstream Movies » What are your favorite directors?
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What are your favorite directors? These people may or may not be in the horror genre. It' up to you.
Last edited by The Creature (2011-01-07 12:21:58)
^^^^Nice Hellrat
I'll name some of mine a little later.
Clive Barker for directing his own Hellbound Heart...
My favorite director of all time is Quentin Tarantino.But some of my other favorites are:
George RomeroJohn CarpenterWes CravenBrian De PalmaOliver StoneFrancis Ford CoppolaJames CameronSergio LeoneRobert RodrigezTIm BurtonRob ZombieAlfred HitchcockRobert AldrichJohn SturgesClint Eastwood
Those are my very top favorites.
Alfred HitchcockStanley KubrickMartin ScorseseSteven SpielbergDavid CronenbergJohn CarpenterThe Coen Bros.Quentin Tarantino
CRONENBERGHitchcockKubrickRomeroLynchDePalmaPolanskiTarantinoCarpenterRaimiScorseseCoppolaGodardTod BrowningKen RussellThe Coen BrothersRuss Meyer
deadhorse13's Website
Very cool lists people!
Forgot to add Speilberg to mine.
Definitely Hitchcock ... I'll add more if I get the urge
Abrahams&Zucker,Mel Brooks.I see your Schwartz is as big as mine.
George RomeroStanley KubrickSammo HungJohn CarpenterCurtis HansenAlexandre AjaJackie ChanQuentin TarantinoSteven SpielbergRobert RodriguezDario ArgentoScooter McRaeThe Coen BrothersMartin ScorceseSam RaimiNorman JewisonJudd ApatowJohn LandisHarold RamisGuillermo Del ToroWilliam FriedkinJohn Sayles
And several, several more.
Paul Solet and all of the above
George RomeroStanley KubrickSammo HungJohn CarpenterCurtis HansenAlexandre AjaJackie ChanQuentin TarantinoSteven SpielbergRobert RodriguezDario ArgentoScooter McRaeThe Coen BrothersMartin ScorceseSam RaimiNorman JewisonJudd ApatowJohn LandisHarold RamisGuillermo Del ToroWilliam FriedkinJohn SaylesAnd several, several more.
Add to the above:Ridley Scott
No particular order:Dario ArgentoKevin Strange (Cause he's a kewl guy )Ruggero DeodatoJohn CarpenterWes CravenSam RaimiJoe D'Amotoand the list goes on, those are first to come to mind!
Awesome list Loudlon
FULCI!!!!!!!!Scott SpiegelEli Roth (yes yes I know bash me if you want but hey, i liked Hostel and at least he hasn't gone to remakes....!)Coen BrothersDarren Aronofsky is awesome!LLOYD KAUFMAN! GOD why didn't his name come to me right away! George RomeroClive Barker was pretty good directorTakashi MiikePark-Chan Wook
and the list goes on lol
Last edited by Googopqp (2009-10-07 21:06:50)
nice lists Googpqp
Stanley KubrickDario ArgentoWes CravenJohn CarpenterJames CameronJohn HughesGeorge RomeroAlexandre AjaJoel SchumacherAdam GreenRob ZombieRuggero DeodatoSteven SpielbergTobe HooperDon CoscarelliLloyd Kaufman
John CarpenterGeorge RomeroDavid CronenbergAlfred HitchcockPeter HyamsTobe HooperRobert ZemeckisPaul LynchPaul Verhooven
nice lists
I would like to clarify that my Lynch goes by the first name, David
although who doesn't love Prom Night? LOL
Yeah, I'm also a big Humongous fan. Still waiting for a DVD release on that one!
Definitely some nice lists people. I'm impressed.
Maurice Devereaux. He directed End of The Line & $la$her$ (Slashers) I like his style allot. QT, Robert Rodriguez, Sam Raimi, and many more...
I enjoyed Devereaux's $la$her$ quite a bit, as well. Not the best flick there is but it was an interesting concept, the "live tv" (i.e., shot on video) look worked and there was plenty of red meat and ketchup. And who doesn't love Chainsaw Charlie?


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Week 2 Picks:
Carolina @ Atlanta
As long as Delhomme is there, they're not winning against teams superior than them.
St. Louis @ Washington
The Redskins have a great chance to finally win.
Houston @ Tennessee
The Titans let one slip away in Pitt, they won't let this one end the same.
New Orleans @ Philadelphia
As good as the Philly defense was last week, the Panthers passing offense was just awful. It's a whole different story when it comes to Drew Brees.
New England @ New York Jets
The Jets could fight and claw in this one, but the way Brady finished the game last week, I can't help but pick the Pats if this is a close battle.
Cincinatti @ Green Bay
Tough loss for the Bengals last week. Look for another this week.
Arizona @ Jacksonville
The passing game will take some time, but since they're playing on the road, this is the Jags' game.
Minnesota @ detroit
Look for either AP or Farve to have a break out game, or even both.
Oakland @ KC
Oakland caught my eye last week. And since they're playing a team still trying to figure things out, this is the Raiders' game.
Tampa Bay @ Buffalo
Tough loss on Monday night for the Bills. I see them bouncing back.
Seattle @San Francisco
Close game, it will come down to the wire. If we see the Niners D play the way they did last week, we should pull it out.
Pittsburgh @ Chicago
Cutler doesn't get a break as he faces just as tough of a defense as Green Bay in the Steelers.
Cleveland @ Denver
They're in Mile High, but just cause they'll go 2-0 doesn't mean they're all that good. Two wins against two sh*tty teams.
Baltimore @ San Diego
If the Chargers play the way they did last week, this should be easy for the Ravens.
NY Giants @ Dallas
Cowboys will open their first regular season home game in their new stadium with a win... but the defense needs to get to Eli Manning.
Indianapolis @ Miami
If Miami loses the first couple games of the season, I won't dub them as a terrible team, just a good team going against more superior teams.
Talk about any other sports here.
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Most Stanford, San Diego State or Sac State players- These are the three universities i root for in college sports. Why? I attended the latter two for a couple years each, as well as being raised in Palo Alto in my childhood, thus rooting for Stanford. SO, whatever team has the most players who played on either of these three universities get my pick. No matter what!!!
Note: tie breakers will be broken by including USC, which i consider my favorite BIG college team i root for. If a tie continues, i will just pick a damn team.
Carolina @ Atlanta 0 vs. 2... Will Szvick and Cory Wire
St. Louis @ Washington- 2 vs. 0... so here's for the upset.
Houston @ Tennessee- 1 vs. 0... i am not liking this start.
New Orleans @ Philadelphia- 2 vs. 1... Lynall Hamilton started at RB at when i attended. Surprised he made the team.
New England @ New York Jets- 0 vs. 1... like Hamilton, Kevin O'Connell was playing when i attended SDSU; he was a decent QB.
Cincinnati @ Green Bay- 0 vs. 1... Cincinnati doesn't know what their missing
Arizona @ Jacksonville- 0 vs. 2... both clubs kinda suck, but jacksonville has 2 SDSUers.
Minnesota @ Detroit- 1 vs. 1... however, Minnesota has no USC players... DAMN!
Oakland @ KC- 3 vs. 0... Shillins, Alston, and Morrison the team representing my schools well... another reason why i love them.
Tampa Bay @ Buffalo- 1 vs. 2... depending on Stanford's Trent Edwards to hook up with TO a couple times.
Seattle @San Francisco- 0 vs. 1... Eric Heittman saving the day.
Pittsburgh @ Chicago- 0 vs. 1... I am blaming you Lance Louis.
Cleveland @ Denver- Lonie Paxton is the only Sac State alumni repping in the NFL. Too bad he is a loser bronco.
Baltimore @ San Diego- 0 vs. 3.... three SDSU'ers playing in their backyard.
NY Giants @ Dallas- 0 vs. 0... both teams are lame, but the Giants have 2 USC players over Dallas' 1... Nice Stadium, though.
Indianapolis @ Miami- 2 vs. 1... KR TJ Rushings has a TD that wins the game... because he's smart.
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11-5 for me this week... this includes me picking St. Louis and Detroit... go Stanford/SDSU/Sac State for not letting me down.
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Wish List
*New Owner and Management =D>
*Trade Monta
*Trade Maggette =D>
*Tank the season, get the top pick and draft Harrison Barnes
to be continued...
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11-5 for Week 2. Updated my first post as well.
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A president is shot, Cal Ripken Jr. breaks an unbreakable record, and the world mourns the passing of a princess, all on this day.
The views expressed below are not those of Click On Detroit, WDIV, or its affiliated companies. By clicking on "Post," you acknowledge that you have read the Terms of Service and your comment is in compliance with such terms. Readers, please help keep this discussion respectful and on topic by flagging comments that are offensive or inappropriate (hover over the commenter's name and you'll see the flag option appear on right side of that line). And remember, respect goes both ways: Tolerance of others' opinions is important in a free discourse. If you're easily offended by strong opinions, you might skip reading comments entirely.


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Our protagonist moves to the big city, seeking a better life. It's a classic—and increasingly common—tale. More than half the world's population now lives in a metropolis, and by 2050 that figure will very likely jump to two thirds. China's megacities in particular are fueling the trend, with more than 10 million new residents every year. Historically, urbanization has brought about stupendous changes—the Renaissance, the industrial revolution, globalization. Yet this urban migration represents one of the most dramatic environmental shifts human beings have ever undertaken. So one might be tempted to ask: How are we adapting to our new digs?
At first glance, trading green fields for gray grids would seem to be a trade up. City slickers have, on average, more money, better food and greater access to health care than country folk. On the flip side, though, recent studies indicate that memory and attention can suffer in urban environments, and psychologists have long known that city life takes an emotional toll. Urbanites are more likely to suffer from anxiety and depression, and the risk of schizophrenia increases dramatically among people raised in a city. Some researchers have calculated that children born in cities face twice, if not three times, the risk of developing a serious emotional disorder as compared with their rural and suburban peers.


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Marathon County treasurer Lorraine Beyersdorff handles a phone call Jan. 31 in the Treasurer's Office in the Marathon County Court House in Wausau.
- Filed Under
Marathon County will release next month the results of a wage compensation study intended to ensure employees are paid more for performance than for how long they've been on the job.
The study will move the county to a merit-based scale, which administrators hope will encourage employees to do top-notch work and will attract potential employees from other parts of the state and country.
Marathon County Administrator Brad Karger said the study will compare public and private salaries in the county for the first time. Results will be released mid-March, and Karger hopes to implement the new ...


text: Publications Search Results Your query returned 1 citations. Results 1 - 1 Per page: 25 50 100 Sort by: Pub Date (newest) Title Recent Additions Author 1 Clear All Pub. Year Citation 2009 Ebrahim, Shahul H., Anderson, John E., Correa-de-Araujo, Rosaly, Posner, Samuel F., Atrash, Hani K. Overcoming social and health inequalities among U.S. women of reproductive age?Challenges to the nation's health in the 21st century. Health Policy. 90, (2-3), 196-205. Full Text Options: DOI Worldcat Google Scholar Export Options: RIS EndNote XML Results 1 - 1 1


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Emergency NumbersPhone Book (Must be on-campus or have a valid network account)
Speakers and Presentations
The Peace Studies Department is active in bringing speakers to campus, attending conferences and writing for publications. Here are highlights!
- On November 13, 2013, Abdul Kulane (SJU '12) presented "My Pilgrimage to Mecca: Reflections on the Hajj"
- "Peacebuilding in Kenya: Intercommunal Violence and Peace in the Rift Valley" William Kiptoo, Tues. March 12th, 2013.
- Somali Cultural Orientation. Tuesday, March 5, 2013. Several thousand Somalis live in the St. Cloud Minnesota area. They could be your neighbors, coworkers, students, customers, or employees. What are their customs, religious beliefs and values? What do they consider polite and impolite, appropriate and inappropriate behavior? What is it like to be a refugee in Central Minnesota? The Somali Cultural Orientation helped to answer these questions for those who interact with Somalis in various settings, or who are simply curious. Just like any other community, the Somali community encompasses a spectrum of people, and regional and individual expressions of their culture may vary widely.
Abdul Kulane graduated from Saint John's University where he double majored in Peace Studies and Sociology. He has speaking and translation competency in English, Somali, Arabic and Swahili. He is the founder and executive director of The Language Bank in St. Cloud, which provides translation, interpretation and cultural orientation training services for business people, health care professionals, educators and others living and working with members of the various immigrant and refugee communities in St. Cloud. Prior to coming to St. Cloud, Abdul worked with the International Rescue Committee and the World Food Program in Kenya. He is a board member of Community Grassroots Solutions, a nonprofit organization which serves the refugee and immigrant communities in central Minnesota. Abdul is also active in other community organizations.
- Video of lecture by Amy Ernst, March 29, 2012, "Women, War and Rape in the Democratic Republic of the Congo"
- Video of presentation by peace studies Alum James Kimeu, "Kenya: Preventing Mass Political Violence" November 21, 2011, CSB.
- Nonviolent Action and the Egyptian Revolution (What's Up With Egypt?)
- Journal for Peace & Justice Studies; Fall 2010 Volume 20, Number 2
Special Issue: Peacebuilding in Africa
Guest Editors: Ron Pagnucco and Christopher Hausmann
- Introduction: Peacebuilding in Africa
Ron Pagnucco, College of St. Benedict/St. John's University, USA
Christopher Hausmann, University of Notre Dame, USA
- Introduction: Peacebuilding in Africa
- New Peace Studies Book By CSB Peace Studies Major Kathryn Ebben
- Will work for peace: Peace Studies Programs at Catholic Universities, February 23, 2010 -- featuring Patrick Edrey, SJU '04 peace studies graduate and Ron Pagnucco, Chair of the CSB/SJU Peace Studies Department. Full text version of article from U.S. Catholic magazine.
- Books for Kibera Initiative -- Providing Textbooks for Africa's Largest Slum


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It sounds bad, but I bet most of the fans were waiting to see if there was going to be a game 7 before buying tickets. Might as well wait a day not to deal with anything. I am sure the game will be sold out Thursday.
According to the link within the link, that 5,500 number is already down to 3,801. So, yeah, I'm with ya in thinking it'll be a sellout by tomorrow night.


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Learn more about Raleigh, North Carolina apartments for rent
Home to the University of North Carolina, Raleigh is the urbane capital of the Tar Heel State. The city comprises one corner of the Research Triangle, a center of public and private medical and high technology research. Raleigh, NC apartments are located near business districts, universities, large shopping malls, entertainment and sporting venues as well as outdoor recreation areas. The city has well-established neighborhoods listed on the National Register of Historic Places and new communities located on its outer edges.
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Umstead State Park is an urban green space where residents can fish, hike or picnic. The paddleboats, hiking and biking trails are popular attractions at Lake Johnson Nature Park, and Pullen Park is home to a historic carousel and an Olympic-size indoor pool. In addition to the State Fair, residents can attend collegiate and minor league sporting events. The Performing Arts Center hosts professional symphony, opera and ballet companies as well as other live performances.
Places to See
The Joel Lane Museum House is a restored Georgian style estate built in the late 1700s outfitted in period furnishings. There are centers dedicated to art, science and natural history as well as an interactive children's museum. The historic City Market is a collection of art galleries, specialty shops and restaurants. Many of Raleigh's oldest boutiques are located in Cameron Village. The southwest side of Raleigh is known for its college town atmosphere.
Apartments in Raleigh
Apartments in Raleigh NC include 1-, 2- and 3-bedroom units in modern downtown, high-rise buildings and charming historic communities surrounded by beautiful oak trees. Raleigh rentals amenities include lighted tennis courts, gourmet kitchens and business centers. To customize your Raleigh apartments search, enter personal parameters like concierge services, fireplaces and pet policy. Apartment Guide makes it easier to search for apartments Raleigh, NC.


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GRAND JUNCTION, Colo. (KKCO) -- A local mother who claimed she was being evicted because her son stole some shoes is now in new trouble with the law.
Last week, Grand Junction police say they went to the apartment of 31-year-old Tanya Abbey at 26th Street and Belford Avenue after receiving reports that her younger children roaming around the complex in pajamas.
Police say they found the door to her apartment open and that there is an eviction notice on her door now.
They found Abbey and a man asleep inside, woke up the pair, and said they suspected she and the male had used drugs.
Officers say they found needles, a bag of marijuana within reach of the children and other items.
The children were given to their grandmother after Child Protective Services was called, and Abbey was given a summons. She's due in court next month.
In December, Abbey gained national attention when she claimed she was about to be evicted because her son had stolen a pair of shoes. Housing resource officials said that was not the case and they wouldn't evict anyone before or during the holidays.
They also said a family would never be evicted because of a shoplifting offense committed by a minor.
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