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Fans come first in the world of sports. At Fanatics, we embody that in everything we do as we bring you the very best officially licensed sports apparel. As official partners of the NFL, MLB, NBA and NHL, our emphasis is always on a top-notch experience for fans everywhere. Soccer fans can score a goal on team pride with our new assortment of MLS and World Football apparel. And any Fanatics shopper can take advantage of our free Fanatics Rewards program, awarding 5% FanCash back on all purchases to build credit for more gear. Our Satisfaction Guarantee is unmatched in the industry and ensures you get the most out of your shopping experience every time. Fanatics isn't just a leading sports apparel provider - we're fans just like you, and always put the fan first in everything we do.
REVIEW SNAPSHOT®by PowerReviews
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- Reviewer Profile:
- Sports enthusiast (3)
Reviewed by 4 customers
I'm an accessory girl, even with sports. This was a cute addition.
- Attractive Design
- Quality Construction
Best Uses
Love the look and design
- Low Quality Material
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Did not look like the picture online
- Attractive Design
- Stylish
- Not printed thoroughly
- Poor Construction
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I was so anxious to get this bracelet! I noticed at once that the printing was faded out in some places or they never got ink in that area to begin with. It's an odd length for my wrist. I get it wrapped and there's enough for the clasp barely or too much. It doesn't matter anyway because the clasp doesn't keep the bracelet in place. It kept coming loose until I slip looped the band around it..


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I think there are a lot of good points raised here.
I also think that it's accepting that you might have different personalities and beliefs and generally that's ok.
You can't choose your in laws. But yet you end up in a close ish relationship with people you might not gel with that you don't really know.
So it's understand that you can't force or change the other person but accepting it and respecting each other

subset: commoncrawl


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An important collegiate athletic event took place over several weekends late this fall. The University of Louisville men's soccer team participated in the NCAA championship tournament. Unfortunately they lost the championship game by a score of 1-0 to the University of Akron.
This sporting event was important to the athletic community of Kentucky for many reasons. First, all of central Kentucky benefits when a local university succeeds. It helps every student in our area to know about the successful events connected to University of Louisville.
Blake Proffitt loves the city of Vine Grove.
He has spent most of his life there. It's where he is raising his family. He calls Vine Grove "my Mayberry.''
Now, the 49-year-old, is charged with leading the city as it faces challenges that come with a growing population.
"It is where I always wanted to raise my kids; it has always had a small town feel,'' Proffitt said of Vine Grove. "You can get to places like Louisville and Nashville without too much trouble if that's what you want from here.
Editor's Note: Who is Wednesday's Woman?
She is a CEO, a minister, a mom, a grandmother, a volunteer.
Someone's daughter, someone's friend. A somebody to someone.
She has a story that's moving, or touching, or inspirational, or that just feels good.
She is special in some way, or in every way.
We want to share the stories of the very special women in this community.
The following building permit information has been obtained from Hardin County Planning and Development Commission and the City of Elizabethtown Planning and Development offices. The name of the applicant, applicant's address and use of permit are listed.
The issue: Impact of Christmas
Our view: Enjoy each other
The issue: Kentucky budget pressure
Our view: Chamber offers worthy ideas
Arpita Eusebius and Arpan Andrew Singh announce their engagement and forthcoming marriage.
The bride-to-be is the daughter of Mohit and Rieta Eusebius of Noida, India. She received a bachelor's degree in psychology in 2007 from Delhi University, India, a master's in psychology from St. John's College in Agra, India in 2009. She is pursuing her master's of arts in counseling from Asbury Theological Seminary in Wilmore.
Copyright © 2017
The News-Enterprise is your source for local news, sports, events and information in Elizabethtown, KY, Hardin County and the surrounding area.


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We're looking for 5 reviewers for the Hanen Centre's new guidebook: I'm Ready! How to Prepare Your Child for Reading Success. See below for more details and for reviewer criteria.
I'm Ready! is the Hanen Centre's new guidebook, designed to help parents like you build your child's language and literacy skills through fun, everyday activities. At the Hanen Centre, we are known internationally for our early-intervention resource in the area of children's speech and language development.
There's nothing really complicated about promoting your child's early literacy. It requires no special tools or specific activities. All it requires is you, interacting and having fun with your child during everyday routines and activities. The truth is that children learn best not by being "taught", but by having enjoyable conversations with the most important people in their lives – their parents.
But how you interact with your child during these everyday moments can make a very big difference in how much your child learns. By making small but important changes to the way you communicate with your child, you can maximize his or her chances to develop they key early literacy skills that lay the foundation for learning to read and write.
Click here to view sample pages and learn more about I'm Ready!
Reviewers will need to meet the following criteria –
- you have a child aged 3-5 years
- you have to be able to use the products for three weeks and write a review (at least 50 words long) by FRIDAY 23rd of May.
- you are a member of our Reviewer Panel (you can join up - info here)
- your Reviewer Panel details are up-to-date with your current address
To apply:
- write in this thread and tell us why we should select you
- please confirm that the address you have entered into the Reviewer Panel details of your profile are currently correct by writing 'address is correct' in your application. If you do not do this, your application will not be consideredWe'll be selecting 5 reviewers from all the posts made by 10am (Brissie time) on THURSDAY 10th of April.
To check your address in your profile, go to User Control Panel > Edit Profile and scroll down to the Reviewer Panel Street Address and Suburb fields. These details CANNOT be seen by anybody other than our administrators.
If you are selected as a reviewer you must provide us with a written review by FRIDAY 23rd of May (if you think you won't be able to do the review in this time, please don't apply).
When we select reviewers, we give preference to regular contributors to our community and those who have posted in our reviews section previously. (How to add a review guide.) So if your review total = 0, the chances are you won't get picked! You can review a whole heap of pregnancy & parenting items, as well as local parks, and most of anything you can think of! So get to reviewing some other products if you want a chance to review in one of our panels.
And if you miss out this time, don't worry, there will be plenty of other opportunities coming up soon! Subscribe to this section to make sure you are the first to hear about any opportunities.
If you are not a member of our Reviewer Panel and you would like to be considered for FREE products, find out how to you can join up here.


text: Copying and distributing are prohibited without the permission of the publisher. If you wish to distribute this content please contact Christopher Hunt (firstname.lastname@example.com) for a quote. Subscribe today: Order Euromoney by contacting us on +44 (0)20 7779 8999 (UK) or +1 212 224 3570. Abigail with attitude: Republicans vs. Democrats By: Abigail Hofman Published on: October 2012 In late September I attended a fascinating dinner organized by a top money manager who is based in the US. There was a leading American political strategist present who is very well connected in Washington. So I was able to glean some insights into the current state of US politics. Print Order Share Share on facebook Share on twitter Share on linkedin Share on googleplus Strategist said that both parties were thinking they would lose the presidential election and that the decision might be incredibly close: maybe as close as 11 counties. It might simply come down to who could persuade their supporters to vote on the day. Bad weather on November 6 would favour the Republicans: "They will drive across the state if they have to!" Money Manager had a different point of view. He had been with some leading Republicans and reported that they were expecting a landslide victory. "Two weeks before the poll, Americans will sit down and ask: Am I better... You must be a trialist or subscriber to view the full article. Please log in or see below to Subscribe or take a Free Trial Subscribe online today Access to all our survey and award results Euromoney magazine in print Unlimited access to Euromoney.com More than 30 specialist supplements a year Subscribe Today Free 30 day access Online access to Euromoney.com Daily coverage of the global financial markets Access to interviews, comment and in-depth analysis The best of our editorial comment by email Sign Up Today Add Your Comment All fields are compulsory All comments are subject to editorial review as we are subject to the same regulations adhered to in publishing our own content. For this reason, your comment may not be live immediately, or may not be published. Your name: Your email: (will not appear) Publish your name? Comments: I have read and agree to the Terms and Conditions


text: Home Gallery Interactive (video) Diesel Like In-Store QR Codes Diesel: Like In-Store QR Codes 'Liking' in the physical world. Published on Jun 06, 2011 Editor's Pick Diesel is bringing Facebook's 'Like' button into its retail environment so that customers can 'like' any item they see on the shelves. All they need to do is go into the store, scan the QR code displayed next to the item with their smartphone, and be taken directly to a product page where they can 'like' the item (and see other related outfits). The item, and the fact they are shopping at Diesel, is automatically displayed on their Facebook wall. Created out of Fullsix, the campaign launched in Madrid, Spain and will be rolling out through Europe. Rate this Ad You must be registered to rate the ad. Please Login or Register Now About CreditsDateJun 06, 2011Agency:FullSIX Client:Diesel Tagsfashion/apparel CategoryQR CodesRetailSocial Media Latest Creativity News on Ad Age Community Films Signs Young, Winecoff Joins Epoch Murillo to Lead McDonald's Team at Alma, Mariano Joins Zulu Alpha Kilo Have You Entered Our 40 Under 40 Contest Yet? Related work Diesel: Make Love Not Walls Anomaly Amsterdam Diesel: Jogg Jeans Responsive Website Fred & Farid Shanghai Diesel: Glitch Invitation Fred & Farid Shanghai


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Posted on 24 August 2015
- 09:06
Our on-loan defender put in an assured performance at left-back as Boro claimed a 2-0 home win over Hartlepool United in League Two.
Having been an unused substitute for Stevenage's previous two games, Connor was thrust into the starting line-up by boss Teddy Sheringham for his first ever taste of senior football and repaid the faith of our legendary former striker by winning the corner from which his side took the lead on the stroke of half-time.
Stevenage sealed the win shortly before the end, with Connor completing the full 90 minutes.
There was also a start for Grant Ward in the Championship on Saturday, the midfielder lining up for Rotherham United as they made the trip to Loftus Road to take on Queens Park Rangers. Grant was substituted on 78 minutes, his side going on to lose 4-2.
North of the border, attacker Nathan Oduwa went on as a 60th-minute substitute for Rangers as they registered a 1-0 home win over Hibernian in the Scottish Championship on Sunday. Defender Dominic Ball was an unused substitute for Mark Warburton's men.
24 January 2017
Connor Ogilvie has joined League Two side Stevenage on loan for the remainder of the season.
7 January 2017
Ryan Loft has joined League Two side Stevenage on loan until the end of the season.
12 September 2016
Harry Kane must wonder what all the fuss is about.
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© Tottenham Hotspur Ltd 2017. All rights reserved.
All photography copyright Getty Images (unless otherwise stated)


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Microsoft msft -0.2015816405644286% Microsoft Corp. U.S.: Nasdaq USD64.36 -0.13 -0.2015816405644286% /Date(1487800800311-0600)/ Volume (Delayed 15m) : 18304212 AFTER HOURS USD64.28 -0.0799999999999983 -0.12430080795525171% Volume (Delayed 15m) : 988439 P/E Ratio 30.358490566037737 Market Cap 498348379336.942 Dividend Yield 2.4238657551274083% Rev. per Employee 747982 More quote details and news »
Tightening expenses, the software company beat fiscal second-quarter earnings estimates, though profit fell slightly from a year ago. New products beckon.
Barclays bcs -0.2557544757033248% Barclays PLC ADR U.S.: NYSE USD11.7 -0.03 -0.2557544757033248% /Date(1487800992496-0600)/ Volume (Delayed 15m) : 2247462 AFTER HOURS USD11.7 % Volume (Delayed 15m) : 9018 P/E Ratio N/A Market Cap 49698320483.1942 Dividend Yield 1.804991452991453% Rev. per Employee 239050 More quote details and news »
Successful debt auctions in Spain and France and progress in Greece bolstered confidence in European banks. The British lender bought back debt.
Johnson Controls jci -1.079052310579404% Johnson Controls International PLC U.S.: NYSE USD42.17 -0.46 -1.079052310579404% /Date(1487800953450-0600)/ Volume (Delayed 15m) : 4301274 AFTER HOURS USD42.17 % Volume (Delayed 15m) : 86445 P/E Ratio N/A Market Cap 40017209239.3448 Dividend Yield 2.3713540431586435% Rev. per Employee 105569 More quote details and news »
Despite rising fiscal first-quarter profits, the battery maker and building-efficiency specialist cut 2012 guidance. Health worries closed a Chinese plant.
F5 Networks ffiv -0.14477766287487073% F5 Networks Inc. U.S.: Nasdaq USD144.84 -0.21 -0.14477766287487073% /Date(1487800800224-0600)/ Volume (Delayed 15m) : 553644 AFTER HOURS USD144.84 % Volume (Delayed 15m) : 69859 P/E Ratio 26.050359712230215 Market Cap 9397499889.87122 Dividend Yield N/A Rev. per Employee 459956 More quote details and news »
The Internet-networking equipment supplier issued an upbeat earnings outlook for the current quarter, as it reported a 20% rise in fiscal first-quarter profit.
First Solar fslr -8.328782086291644% First Solar Inc. U.S.: Nasdaq USD33.57 -3.05 -8.328782086291644% /Date(1487800800314-0600)/ Volume (Delayed 15m) : 10896520 AFTER HOURS USD33.5 -0.0700000000000003 -0.20851951146857314% Volume (Delayed 15m) : 52167 P/E Ratio N/A Market Cap 3805294022.76748 Dividend Yield N/A Rev. per Employee 464776 More quote details and news »
Hedge-fund manager David Einhorn said he had cashed in his hugely profitable bet against the solar-module maker. A Street analyst raised his rating.
Hurt by Europe's economic woes, the Internet-search giant disappointed on fourth-quarter revenue and earnings. Germany was cited as a weak spot.
An analyst suggested President Obama might sign an order reducing outlays to repay college loans. That would hurt the private educator's operations.
Kinross Gold kgc -1.8276762402088773% Kinross Gold Corp. U.S.: NYSE USD3.76 -0.07 -1.8276762402088773% /Date(1487800981715-0600)/ Volume (Delayed 15m) : 14197436 AFTER HOURS USD3.7314 -0.0286 -0.7606382978723404% Volume (Delayed 15m) : 103856 P/E Ratio N/A Market Cap 6274593233.75858 Dividend Yield 4.25531914893617% Rev. per Employee N/A More quote details and news »
The Canadian gold miner delayed feasibility studies for projects in Chile, Ecuador and Mauritania. It will also write down the value of its Mauritanian mine.
Capital One Financial cof 0.043080236941303175% Capital One Financial Corp. U.S.: NYSE USD92.89 0.04 0.043080236941303175% /Date(1487800940843-0600)/ Volume (Delayed 15m) : 1739080 AFTER HOURS USD92.89 % Volume (Delayed 15m) : 82296 P/E Ratio 13.501453488372093 Market Cap 44605778840.8203 Dividend Yield 1.7224674346000646% Rev. per Employee 606145 More quote details and news »
December-quarter earnings fell a surprising 42% year-over-year on higher loan-loss provisions at the big credit-card issuer and banking company.
R.R. Donnelley & Sons rrd -1.6958424507658643% R.R. Donnelley & Sons Co. U.S.: NYSE USD17.97 -0.31 -1.6958424507658643% /Date(1487800921506-0600)/ Volume (Delayed 15m) : 1126394 AFTER HOURS USD17.973 0.00300000000000011 0.01669449081803005% Volume (Delayed 15m) : 24571 P/E Ratio 14.0390625 Market Cap 1276547291.29768 Dividend Yield 3.116304952698943% Rev. per Employee 162107 More quote details and news »
The world's largest printer said 2011 revenue wouldn't meet Street expectations, as magazine sales continue to slump and financial-services business slides.
Plexus plxs -0.2760048300845265% Plexus Corp. U.S.: Nasdaq USD57.81 -0.16 -0.2760048300845265% /Date(1487800800265-0600)/ Volume (Delayed 15m) : 107207 AFTER HOURS USD57.81 % Volume (Delayed 15m) : 63 P/E Ratio 21.897727272727273 Market Cap 1953067420.81116 Dividend Yield N/A Rev. per Employee 183883 More quote details and news »
A 29% drop in earnings wasn't as bad as expected, and the manufacturing-services outfit had upbeat second-quarter guidance. Its engineering unit was solid.
Linear Technology lltc 0.04640371229698376% Linear Technology Corp. U.S.: Nasdaq USD64.68 0.03 0.04640371229698376% /Date(1487800800283-0600)/ Volume (Delayed 15m) : 3861842 AFTER HOURS USD64.68 % Volume (Delayed 15m) : 29104 P/E Ratio 31.862068965517242 Market Cap 15645625351.7261 Dividend Yield 2.0408163265306123% Rev. per Employee 301565 More quote details and news »
Reporting improved second-quarter earnings and revenue, the analog-chip maker also provided an optimistic outlook, aiding the whole sector.
The charts record the net change in share price, the high, low and closing trades, and share volume for companies with noteworthy stock activity last week. In addition, the graphs depict last week's daily price activity in detail. The dotted line on some graphs denotes the stock's 200-day moving average; lack of a moving average means the shares have traded for less than that time period.
E-mail: email@example.com


text: Seller: mey_ame_qxc0gnj (8) 100%, Location: Cedar Rapids, Iowa, Ships to: Free Local Pickup, Item: 332045983224 I purchased this stained glass window from a country church that was being demolished about 30 years ago. I stripped the white paint from the window frame and stained it a medium oak color. I then trimmed it out with molding and placed eye-screws in the top of the frame so it could be hung by chains in front of a window where the sun shone through. It is gorgeous when the light shines through it.Measures 31.5"W x 40.5"H x 1.75"D.In very good condition and will not need any rework or touch up. Color: Medium Wood Tone, Type: Stained Glass Windows, Primary Material: Glass, Age: 1900-1940, Original/Reproduction: Original


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Symbian Sourcecode Available
The Symbian Foundation has released its mobile platform of the same name as free software.
The Foundation, to which Nokia transferred Symbian following their total acquisition, is ahead of schedule with the release. Developers can find the download under the Eclipse Public License (EPL) here.
The code consists of 108 packages with the Symbian 3 compatible Symbian Developer Kit and the Symbian Product Kit also available for free download. While Nokia are currently still working on the platform, the finished version is expected in the first quarter of 2010.
Issue 28: GIMP Handbook 4th Ed./Special Editions
Buy this issue as a PDF
OpenSUSE Site Hacked
News site for the openSUSE community falls victim to a Wordpress exploit.
LibreOffice Goes Online with 5.3 Release
The source code is available online.
Microsoft Brings Clear Linux OS to Azure
One out of three virtual machines on Microsoft Azure Cloud run Linux.
ASUS Announces a Single-Board Computer
The form factor of the board makes it a drop-in replacement for Raspberry Pi.
Red Hat Releases RHEL 6.9 Beta
Makes it easier for customers to move workloads into container-centric applications.
SUSE Working on a New Operating System Called MicroOS
SUSE's answer to container-centric operating systems.
Biggest Kernel Release Ever
Linux 4.9 is the biggest release in terms of number of commits.
CentOS Linux 7 (1611) Released
The latest version of the official RHEL clone is here.
openSUSE Rolls Out 42.2 Leap
New release targets Linux professionals.
Cutting-Edge Fedora 25 Released
The Fedora project adds Wayland and Gnome 3.22


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Having fun at the curling championships in Evert – organized by our dear friend April!
Having fun at the curling championships in Evert – organized by our dear friend April!
This is the real view from our condo rental! Off to Mexico in late Feb! Here's the link for all the pics.
Adrenalin advances. Legs twitch. Thighs quiver like a marathon round of squats. Gut is fuzzy. Belly, gassy. Soul buzzed and burned. A dream-state of a near-death tunnel-of-darkness experience. Rest does not come. I am alone.
Consciousness in the continuum asserts. The tide ebbs and flows from high to low. The wind blows to relieve and equalize pressure. Natural negotiation supporting many landscapes and realities, seeking to find an uneasy truce. Comfort is close. I am not alone.
I'm out of memory. Phone buzzing alerts. Shit.
Repent. Reboot. Repeat.
I am now calm.
I am alive.
The following house rules have been amended. It's a living document, much like the constitution. Original post: Who gets off the couch to get the next drink (or other)?
Longer legs and scores, featuring the signature "Sunnyside Stretch" this year


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Register Now!
Focus on Best Practices in Early Diagnosis and Treatment of Sepsis
The Region 5 office of the Centers for Medicare & Medicaid Services (CMS)--in partnership with Health Services Advisory Group, the Ohio Hospital Association, the Ohio Health Care Association, the Ohio Department of Health, and the Academy of Senior Health Sciences, and Leading Age Ohio--present a learning event to highlight the importance of early diagnosis and treatment of patients with suspected sepsis.
About the Learning Event
Early Recognition of Sepsis Presented by:
Steven Q. Simpson, MD, Professor of Medicine and Acting Director of the Division of Pulmonary and Critical Care Medicine at the University of Kansas. Dr. Simpson also is Chair of Interdisciplinary Critical Care at the University of Kansas Hospital and Medical Director of three intensive care units. He has conducted research in all areas of severe sepsis, from molecular and cellular mechanisms, to translational studies, to quality improvement studies.
Wednesday, December 7, 2016 1:00 PM - 4:00 PMEastern Time
Quest Conference Center8405 Pulsar PlaceColumbus, Ohio 43240614.540.5540
Haley Bakies
This program has been approved for 2 hours of continuing education (CE) by BELTSS (ASHS-97-P-16). The Academy of Senior Health Services is a preferred provider of BELTSS CEs.
Cvent Online Event Registration Software | Copyright © 2000-2017 Cvent, Inc. All rights reserved.


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Amitabh Bachchan was allotted 12 acres of agricultural land in Barabanki district by the previous Mulayam Singh Yadav government in Uttar Pradesh on the grounds that Big B was a farmer. The actor had returned the land to the state government when allegations of forgery and fabrication of false evidence were levelled against him. He also gave an undertaking in the High Court that he would not claim any right or title over the Gram Sabha land in question. The High Court dropped all proceedings against Amitabh Bachchan after he withdrew his petition in the court.
Senior counsel K K Venugopal appearing for the UP government contended before the court that nobody was above law and the High Court had no jurisdiction to stop the criminal investigation against the actor.
Amitabh Bachchan was represented by senior counsel Harish Salve. He contended that there were no allegations of forgery or fabrication against Big B.
The apex court was of the view that since the actor had already returned the land and there was no allegation of his personal involvement in any forgery or fabrication of false revenue record, it was not inclined to interfere with the High Court order.
The Supreme Court also said the Uttar Pradesh government could investigate allegations of forgery and fabrication of false record against the officials of the state government department concerned if so desired.


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Welcome to Citizens Bank. This site is screen reader friendly.
Explore our account options to find the right match.
Get an average fee savings of $637* with a better alternative to the Federal PLUS Student Loan.
A new card with unlimited earning potential. Earn up to 1.8% cash back with our Purchase and Relationship Bonuses.
Whether you're getting married, taking a dream vacation or looking for a faster way to pay off existing debt, a Citizens Bank Personal Loan offers plenty of options to build the right loan for you.
Borrowing solutions such as loans and credit cards can be valuable tools when buying a home, upgrading your vehicle or purchasing daily essentials. Developing a roadmap for paying down debt can help you manage both your current budget and your future finances.
The best way to pay off debt is to develop a personalized plan based on your current circumstances and financial goals. In this guide, you'll learn how to take simple, practical steps to create a plan for debt management. If you have further questions about paying down debt, speak with a Citizens Bank customer service representative.
Before you can create a debt management plan, it's important to understand what you owe, the interest rates you are being charged and the conditions associated with your accounts. An easy way to start auditing your debt is to obtain a copy of your credit report (everyone is entitled to one free report per year) and review the listed accounts, debts and interest rates. If you see any mistakes, contact the credit reporting company and work with them to correct the issue(s).
Successfully paying down debt involves reviewing your spending habits and putting as much money as possible toward your outstanding balances. When you're making your debt management plan, start by prioritizing current loan and credit card payments in your budget. Then, allocate funds to cover utility bills and other set obligations, such as rent. Next, set aside funds to pay more than the minimum payments on your debt. Paying more than the minimum will allow you to reduce the principal balance sooner and lower the total cost of your debt. Whatever is left after this is what you have available for discretionary spending and other budgetary items such as groceries, gym memberships, subscriptions and more.
Try to reduce the number of payments you are making each month by eliminating smaller balances first. When you pay off smaller-balance debt early, you can reduce your total monthly payment obligations. Then, you can reallocate funds which previously went to those bills to pay down other debts. Watching your total number of payments or debts decrease can lower stress and is often satisfying and empowering – even more so when you can say a complete debt is paid versus a monthly payment made.
After you pay off your smaller debts, refocus your attention on any high-interest debt you have, such as credit card debt. The more quickly you can pay off high-interest debts, the less you'll pay in interest over the length of your repayment. By tackling this debt, you may be able to save more over time.
Paying down debt is easier if you are also able to limit your accumulation of additional debt. To resist the temptation to overspend, try to avoid carrying your credit cards with you on a daily basis. This will allow you to curb impulse buys and provide time to consider any non-essential purchases more carefully. If you do choose to use credit for a purchase, monitor your balance to keep it to an amount you are able to pay off in full each month. This will help you avoid high interest rates on your next bill.
Once you've established your budget, setting up automatic bill pay for student loans, car loans, a mortgage or other debt is an easy way to ensure you never miss a payment and stay on track with your debt management plan. If possible, time these automatic payments to hit your account the day after you receive your paycheck – your debts will get paid regularly, and you will be less likely to spend money allocated for paying down debt on anything else. Just make sure you have overdraft protection set up in case of an emergency or a delay between your deposit and withdrawal.
When you're paying down debt, it could be helpful to call your current lenders and make sure you are getting the lowest rate you qualify for. If you have student loans, you could use our Education Refinance Loan® to lower your monthly payments through refinancing or consolidation. With respect to credit cards, keep your eye open for card offers with a balance transfer option and lower rates than your current card. Transferring a balance to a lower-interest card can help you pay off debt faster because you will be charged less interest on an annual basis.
If you're trying to curb discretionary spending, make a deal with yourself to reallocate that money toward debt reduction instead. Each time you choose not to spend money on something – a cup of coffee, new pair of shoes, the latest video game, etc. – you can use the funds to pay down your debt instead. When you forego a discretionary purchase, be sure to write down the total. If you have room in your budget, you can add up the savings and send an extra payment to your lender. It's a simple, but effective, way to pay off debt.
In addition to a solid debt management plan, setting up an emergency savings account can help you avoid relying too heavily on credit during an unexpected event in the future. If possible, look into using direct deposit to have a portion of your income directly allocated into your emergency savings account each pay period so the payment to your savings is automatic. Opening other savings accounts can also help you reduce your debt for planned future purchases. If you can make regular contributions to a designated account with an automatic savings plan, you can reduce your need for financing when you buy a home or car, or even go on vacation.
The best way to avoid falling into debt is to make a firm rule to not borrow more than you can comfortably afford. While you might get approval to borrow a higher amount on a house or a car, if the payment stretches your monthly budget thin, you should move forward cautiously. As noted above – this is particularly important with high-interest credit card bills. Ideally, paying off your credit card bill each month should fit smoothly into your budget.
If you have questions about managing your money and creating a plan to pay off debt, we're here to help. Contact a Citizens Bank representative to learn more about your savings options, developing a debt management plan or opening a savings account to help you meet your financial goals.
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About the About the Actors section
Learn more about your favorite stars with our actor biographies
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The About The Actors section provides readers with biographical information about past and present The Young and the Restless stars. The information includes a brief bio along with a listing of the performer's other projects ranging from stage to television to film.
Also included in each actor's profile is a listing of the performer's award wins and nominations, vital stats and some miscellaneous facts.
To make reading even more enjoyable, we've included cross-links to other sections of the
site, including links to the a biography of the performer's current character as well as links to pertinent information about roles that performer might have had on other soaps. Under the "Additional Information" section, you can pull up information on fan clubs for that performer, the performer's character's family tree as well many other related items.
If for some reason you find that we've omitted a piece of information, please feel free to contact us and let us know. You can use the
form to reach us.
Y&R Actor Biographies
Listed below is an alphabetized listing of past and present The Young and the Restless performers. Simply highlight the name of the actor that you'd like to learn more about and within a minute the profile of that actor will display on your screen.
If you believe that information is missing from a given biography, please submit that information to us through our
section. Additionally, if there is a performer whose biography is not present and you'd like to help create that biography, please use the
form to let us know.
Robert Adamson (Noah Newman)
Lamon Archey (Mason Wilder)
Obba Babatund� (Carter Campbell)
Ashley Bashioum (Mackenzie Browning)
Lauralee Bell (Christine Blair)
Peter Bergman (Jack Abbott)
Corbin Bernsen (Father Todd Williams)
Thom Bierdz (Phillip Chancellor, III)
Laura Bryan Birn (Lynne Bassett)
Sean Blakemore (Ben)
Vail Bloom (Heather Stevens)
Jay Bontatibus (Tony Viscardi)
Roscoe Born (Tom Fisher)
Eric Braeden (Victor Newman)
Jeff Branson (Ronan Malloy)
Tracey Bregman (Lauren Fenmore)
Kimberlin Brown (Sheila Carter)
Ryan Brown (Billy Abbott)
Lachlan Buchanan (Kyle Abbott)
Steve Burton (Dylan McAvoy)
Bryton James (Devon Hamilton Winters)
Sharon Case (Sharon Collins Newman)
Tricia Cast (Nina Webster)
John Castellanos (John Silva)
Judith Chapman (Gloria Fisher)
Tamara Clatterbuck (Alice Johnson)
Keith Hamilton Cobb (Damon Porter)
Jessica Collins (Avery Bailey Clark)
Darlene Conley (Rose DeVille)
Angell Conwell (Leslie Michaelson)
Carolyn Conwell (Mary Williams)
Jeanne Cooper (Katherine Chancellor)
Michael Damian (Danny Romalotti)
Doug Davidson (Paul Williams)
Eileen Davidson (Ashley Abbott)
Don Diamont (Brad Carlton)
Christopher Douglas (Sean Bridges)
Jerry Douglas (John Abbott)
John Driscoll (Phillip Chancellor IV)
Denice Duff (Amanda Browning)
Melissa Claire Egan (Chelsea Lawson)
Chris Engen (Victor Adam Wilson)
John Enos (Bobby Marsino)
Max Ehrich (Fenmore Baldwin)
Scott Elrod (Joe Clark)
Andrea Evans (Patty Williams)
Walter Fauntleroy (Dr. Nate Hastings)
Lyndsy Fonseca (Colleen Carlton)
Clementine Ford (Mackenzie Browning Hellstrom)
David "Shark" Fralick (Larry Warton)
Adrienne Frantz (Amber Moore)
Genie Francis (Genevieve Atkinson)
Jennifer Gareis (Grace Turner)
Anthony Geary (George Curtis)
Sabryn Genet (Tricia Dennison)
Daniel Goddard (Cane Ashby)
Ricky Paull Goldin (Gary Dawson)
Michael Graziadei (Daniel Romalotti)
Camryn Grimes (Cassie Newman)
Michael Gross (Lowell "River" Baldwin)
Stacy Haiduk (Patty Williams/Emily Peterson)
Deidre Hall (Barbara Anderson)
Justin Hartley (Adam Newman)
Rick Hearst (Matt Clark/Carter Mills)
Amelia Heinle (Victoria Newman)
Elizabeth Hendrickson (Chloe Mitchell)
Karen Hensel (Doris Collins)
Anthony Herrera (Jack Curtis)
Vincent Irizarry (David Chow)
Bryton James (Devon Hamilton Winters)
Bryant Jones (Nate Hastings)
Sean Kanan (Deacon Sharpe)
Mitzi Kapture (Anita Hodges)
Beau Kazer (Brock Reynolds)
Elizabeth Keifer (Angela Lawrence)
Brian Kerwin (Greg Foster)
Christel Khalil (Lily Winters)
Rachel Kimsey (Mackenzie Browning)
Hunter Haley King (Summer Newman)
Kent King (Drucilla Winters)
Kelly Kruger (Mackenzie Browning)
David Lago (Raul Guittierez)
Jennifer Landon (Heather Stevens)
Katherine Kelly Lang (Gretchen)
Christian Jules LeBlanc (Michael Baldwin)
Adrianne Leon (Colleen Carlton)
Paul Leyden (Blake Joseph)
Kate Linder (Esther Valentine)
Eva Longoria (Isabella Bra�a)
Thad Luckinbill (J.T. Hellstrom)
Aaron Lustig (Dr. Tim Reid)
Beth Maitland (Traci Abbott Connelley)
Eva Marcille (Tyra Hamilton)
John Mariano (Felix)
John Martin (Frederick Hodges)
Cady McClain (Kelly Andrews)
John McCook (Lance Prentiss)
Darius McCrary (Malcolm Winters)
Raya Meddine (Sabrina Costelana Newman)
Tracy Lindsay Melchior (Veronica Landers/Sara Lindsey)
Billy J. Miller (Billy Abbott)
Julia Pace Mitchell (Sofia Dupre Winters)
Shemar Moore (Malcolm Winters)
Debbi Morgan (Yolanda "Harmony" Hamilton)
Mishael Morgan (Hilary Curtis)
Julianne Morris (Amy Wilson)
Joshua Morrow (Nicholas Newman)
Michael Muhney (Adam Wilson)
Stephen Nichols (Tucker McCall)
Michael Nouri (Elliot Hampton)
Emily O'Brien (Jana Hawkes)
J. Eddie Peck (Cole Howard)
Nia Peeples (Karen Taylor)
Anthony Pena (Miguel Rodriguez)
Eva Pigford (Tyra Hamilton)
Julie Pinson (Shiloh)
Eyal Podell (Adrian Korbel)
Nathan Purdee (Nathan Hastings)
Marisa Ramirez (Carmen Mesta)
Blair Redford (Scotty Grainger)
Scott Reeves (Ryan McNeil)
Eden Riegel (Heather Stevens)
Greg Rikaart (Kevin Fisher)
Alexia Robinson (Alex Perez)
Tristan Rogers (Colin Atkinson)
Victoria Rowell (Drucilla Winters)
David Lee Russek (Sean Bridges)
Marcy Rylan (Abby Carlton Newman)
Kevin Schmidt (Noah Newman)
Kristoff St. John (Neil Winters)
Melody Thomas Scott (Nikki Newman)
Diego Serrano (Diego Guittierez)
Ignacio Serricchio (Alex)
Ted Shackelford (Jeffrey Bardwell and William Bardwell)
Davetta Sherwood (Lily Winters)
Kin Shriner (Harrison Bartlett and Jeffrey Bardwell)
Lise Simms (Connie Wayne)
Kevin Spirtas (Les)
Michelle Stafford (Phyllis Summers)
Chrishell Stause (Bethany Bryant)
Tammin Sursok (Colleen Carlton)
Alexis Thorpe (Rianna Miner)
Gina Tognoni (Phyllis Summers)
David Tom (Billy Abbott)
Heather Tom (Victoria Newman)
Constance Towers (Audrey North)
Greg Vaughan (Diego Guittierez)
Susan Walters (Diane Jenkins)
Jess Walton (Jill Abbott-Fenmore)
Billy Warlock (Ben Hollander)
Ben Watkins (Wesley Carter)
Patty Weaver (Gina Roma)
Maura West (Diane Jenkins)
Darnell Williams ("Sarge")
Redaric Williams (Tyler Michaelson)
Tonya Lee Williams (Dr. Olivia Winters)
Lauren Woodland (Brittany Hodges)
Greg Wrangler (Steve Connelly)
Scott Reeves (ex-Ryan McNeil) hospitalized
Here's why Jill and Lauren need to patch up their differences
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RUMOR ALERT: OLTL alum Trevor St. John headed to Y&R?
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DAYS renewed for 52nd season
GH/Y&R alum Scott Reeves hospitalized
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Y&R to address heart disease in powerful and important storyline
John McCook on having to �suck it up� when he feels B&B �malaise�
Tonja Walker wraps up her General Hospital stint... sort of
Spectra 2.0 is here -- are you loving the trip down memory lane?
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Oscars' oops isn't unique. The Daytime Emmys had their own debacle.
Y&R/GH alum Scott Reeves hospitalized
What you missed last week on B&B, DAYS, GH, and Y&R
SPOILER ALERT: Previews for B&B, DAYS, GH, and Y&R
Amber Tamblyn's new baby has... a unique name
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Exec reveals how DAYS will change under new head writer
So what's this about an AMC revival?
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Vincent Irizarry out at Days of our Lives
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Rockler Summit Pen Bushings, Set of 3
Home > Rockler > Wood Turning > Turning Accessories
A complete set of bushings for Summit Pen Hardware Kits (sold separately). These pen bushings are precisely machined to match the diameters of your pen blanks, allowing you to achieve the smooth, perfectly flush seams so valued in a top quality hand-turned pen. Simply turn your pen blanks to match the bushing diameters, leaving a bit of extra material to allow for sanding. For use with Summit Pen Hardware Kits; Black Titanium, Titanium Gold, Gold, and Chrome. Features:The Summit Pen Bushing Set is made of steel—hard enough for excellent durability, yet soft enough to prevent damage to your turning tools3-piece bushing setBushings are designed to work with the Summit Pen Hardware Kits (sold separately)Tip: when turning light-colored woods, apply a bit of CA glue to the bushings to prevent metal dust from migrating onto the turning blank


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We found 7 vacation rentals in arco de sao jorge
Casa das Hortensias
Arco De Sao Jorge
Ref: PorArc201210 Rooms:3+ (baths) From €55
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Arco De Sao Jorge
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Arco De Sao Jorge
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Arco De Sao Jorge
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Arco De Sao Jorge
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Pick Your Pairings: Make Your Own Muesli Recipe
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Mike Madigan Ready To Insult Your Intelligence Once Again
Posted in the Dixmoor Forum
181 - 200 of 358 Comments Last updated Jan 13, 2017
#184 Jun 4, 2014
Fed-up voters want a say on redistricting
June 3, 2014
I want to thank the Tribune editorial board for its consistent support for the redistricting petition drive. You have brought up excellent points about the signature examination procedure employed by the State Board of Elections.
Powerful people and groups do not want this initiative on the ballot in November, while a strong majority of Illinois citizens do.
Evidence of the effects of severely gerrymandered representation is apparent in Springfield. Important budget decisions are being kicked down the road until after the next election. Even the man who wants to "shake things up in Springfield" by becoming our next governor has yet to reveal anything specific about how he is going to do that.
People are fed up, and they deserve to vote on a way out of the current mess. Signatures that are printed and not written in cursive should not be thrown out when the intent of the voter is clear. The petition circulators who worked and volunteered for "Yes for the Independent Map" were hard-working with the purest of motives. I was one of them. We were motivated simply by the sincere desire to make Illinois a better state.
Most of these signatures were gathered during the coldest winter in 30 years and the second snowiest. Have you ever tried to write with a pen that stops flowing when the temperature is below 32 degrees?
-- Jan Goldberg,
#185 Jun 7, 2014
UNO troubles put spotlight on its powerful friends
A whos-who of Chicagos political elite had just enjoyed a mariachi version of The Star Spangled Banner when Juan Rangel stepped forward to introduce a good friend of mine to give the keynote speech at a banquet held by the group he then led, the United Neighborhood Organization.
I want to applaud UNO, Mayor Rahm Emanuel said at the event in November 2011, months after Emanuel had won the mayors office with Rangel as his campaign co-chairman.
Emanuel praised the Hispanic groups charter schools. He called UNO a great organization with a great future.
Now, with UNO and its former leader Rangel under fire from the U.S. Securities and Exchange Commission as a result of a contracting scandal, Emanuel and other powerful politicians who helped the group become a potent force in politics and education arent talking.
Emanuels spokeswoman referred questions about UNO to Chicago Public Schools spokesman Joel Hood, who declined to comment because theres a lot of stuff we dont know yet about the SEC case.
Illinois House Speaker Michael Madigan, D-Chicago, sponsored the $98 million state grant at the center of the SEC case, but his spokesman, Steve Brown, said hes not familiar with the federal civil case against UNO.
Aides to Gov. Pat Quinn who signed the grant legislation in 2009 and longtime UNO ally Ald. Edward M. Burke (14th) did not respond to requests for comment.
Last week, the SEC accused UNO and its charter-school network of defrauding investors who bought $37.5 million in bonds in 2011. UNO officials failed to disclose to bond-holders that they had given grant-funded contracts worth millions of dollars to a company owned by a brother of Rangels top deputy, Miguel dEscoto.
According to the SEC, that deal and contracts with another dEscoto brother potentially threatened UNOs ability to repay bond-holders, if the state had demanded the return of tens of millions of dollars already spent building new schools.
After the Chicago Sun-Times revealed the insider deals in February 2013, state officials ultimately froze the remaining $15 million from the $98 million grant but didnt demand a refund. Rangel and dEscoto were forced out.
UNOs new leaders have settled the SECs charges by agreeing to give a federal monitor oversight of contracting for a year and promising not to engage in any conflicted transaction ever again.
In a statement issued via a public relations firm, UNO officials said they remain committed to building an educated, powerful and prosperous Hispanic community.
Prompted by the Sun-Times reports, the SEC began investigating a year ago. Though the civil case was settled,Were not done, says Peter K.M. Chan, the SECs assistant regional director for the municipal securities and public pensions unit in Chicago.With regard to other parties that may have contributed to UNOs securities violations, the investigation continues. So charges against others, including individuals, are possible.
In its complaint, the SEC singles out Rangel, saying he approved the insider contracts with dEscotos brothers and made false comments during a March 2013 conference call with bond investors concerned about the possible impact of the contracting scandal.
The ongoing federal investigation also brings unwelcome attention for the politicians who helped UNO become the best-connected political force in the citys fast-growing Latino community.
The UNO charter network expanded rapidly with support from virtually all of the biggest names in Illinois Democratic politics as well as some Republicans.
As a private, not-for-profit organization, UNO couldnt formally back political candidates. But Rangel often endorsed and helped raise campaign cash for establishment politicians with large numbers of Latino constituents, in some cases backing white candidates over Hispanic rivals.
#186 Jun 7, 2014
Rangel, who became the organizations chief executive officer in 1996, has said he believed it made sense for Hispanics to forge close ties with the existing political leadership.
He often cited the late community organizer Saul Alinskys guidebook Rules for Radicals: A Pragmatic Primer for Realistic Radicals, arguing that those on the outs need to infiltrate the circles of power, rather than try to topple those who hold it.
In a 2012 interview, Rangel said UNO had changed the long-held perceptions among Chicagos Hispanic professional class, who believed you couldnt be a leader of the community unless you ran a social service agency.
Where does a Hispanic lawyer fit in if hes not looking for a job in Streets and San. or not picketing a corporation downtown? he said.I think we have transformed what leadership in the Latino community is here in Chicago.
Rangel watched with pride as former Mayor Richard M. Daley appointed protégés from UNOs Metropolitan Leadership Institute program to cabinet spots.
But UNOs finances and clout blossomed only after it became a major player in the growing business of publicly financed, privately operated charter schools, touted as an alternative to public schools. The first UNO charter opened in 1998 with financial backing from Daley and his then-schools chief, Paul Vallas.
It continued to expand with support from Vallas successor, Arne Duncan whos now President Barack Obamas education secretary and since Emanuel succeeded Daley.
The groups charter network has grown from one campus in 2005 into a 16-school chain with more than 7,500 students in the city. UNOs charters got more than $45 million from the Emanuel-run city school system to operate in the year that ended in June 2013, records show.
But UNOs biggest single source of public financing came in 2009, when Madigan sponsored legislation that found bipartisan support for the $98 million school-construction grant. Its believed to be the biggest government subsidy for charter schools in the country.
Madigan, Quinn, Emanuel and state Senate Republican leader Christine Radogno of Lemont attended groundbreaking and grand-opening events for the new state-funded UNO schools.
Rangel has acknowledged that he leaned on companies that did business with the charter-school network to contribute the campaigns of his political allies. A long list of organization contractors including the two dEscoto family companies mentioned in the SEC case contributed to Madigan at a 2012 fund-raiser sponsored by Rangel and UNOs Springfield lobbyist.
When UNOs deals came under scrutiny by state officials last year, Quinn talked tough but ultimately OKed the resumption of the grant payouts. That allowed work to be finished at a Southwest Side high school that was under construction. Quinn did so at the urging of a Burke, whos been a major campaign contributor to the governor.
Payments were frozen again months later, after the SEC began investigating UNO. But the governor did not push for UNO to repay any of the state money, though the state could have done so under the terms of the grant contract.
Contractors with ties to Burke have worked on the state-funded UNO school projects, and a Burke daughter-in-law works for the organization at its headquarters in the West Loop. In 2010, Rangel helped the powerful aldermans brother, state Rep. Daniel Burke (D-Chicago), overcome a tough primary challenge from a Hispanic rival.
Rangel and Emanuel didnt know each other well until forming an alliance in the fall of 2010. Rangel appeared alongside Emanuel in Pilsen on the day Emanuel returned to Chicago from his stint at the White House as Obamas chief of staff to run for mayor. Rangel then signed on as Emanuels mayoral campaign co-chair, despite close ties with the other main candidate to succeed Daley, former city school board president and UNO lawyer Gery Chico.
#187 Jun 11, 2014
Dem leaders let Chicago down by standing with Rep. Smith
June 10, 2014
They start small.
But they rarely stay that way.
A federal jury on Tuesday found state Rep. Derrick Smith guilty of taking a $7,000 bribe to steer a state grant to a day care center.
Seven thousand dollars isnt much in the world of multimillion-dollar state contracts. Some say the feds wasted their time going after such a small fish.
But what if Smith, like many a politician before him, was just getting started?
Few public officials in Illinois consider our last two governors start out their corrupt careers with a bang.
The feds were right to go after this one-term Chicago Democrat early in his career, even if you feel sorry for the hapless guy. Smiths lawyer claims he was entrapped, alleging the entire scheme was the governments plan, not Smiths. A government mole may have nudged Smith along, but no one forced Smith to take a bribe. It was his greedy interest that drove this crime.
Even if this turned out to be his only crime in his public career, Smith got what he deserves: a conviction and a defeat in his run for re-election. The public deserves better.
Or do they?
The public elected Smith in 2012, even after his indictment. Smith had every right to run and was, of course, presumed innocent until proven guilty. But the evidence against him was damning; he had been caught on tape taking a bribe. His colleagues in the Illinois House had taken the extreme step of expelling him from office before the general election. He was the first lawmaker tossed out of the House in more than a century.
Despite that, Smith cruised to victory in the 10th Illinois House race in 2012.
His district is solidly Democratic, a place where voters toe the party line, many blissfully unaware of the name behind the party label.
But the party bosses knew better. They failed the public by appointing Smith in the first place, let alone supported his re-election. They had their reasons, of course, but none of them noble.
The West Side Democrat was appointed in 2011 to fill a vacancy, despite being unfit for the job. The Sun-Times editorial board interviewed him before the March 2012 primary and was profoundly unimpressed. In a phone interview, his questions on state affairs were halting and shallow. There was a major pause before each answer, suggesting someone was right there, coaching him. His written answers werent much better.
Smith got the job for one reason: He was Secretary of State Jesse Whites guy. After Smiths indictment (but after his March 2012 primary win), White and other Democrats began pressuring Smith to resign and supported an alternate candidate in the November 2012 general election.
Illinois House Speaker and Democratic Party Chairman Michael Madigan remained neutral in that race but, amazingly, supported Smith for re-election this past March.
We support incumbents, Madigans spokesman Steve Brown said in February, adding,I believe you are presumed innocent until proven guilty. Isnt that right?
But that doesnt translate into undying support, especially when more worthy candidates are running. Fortunately, voters finally wised up and rejected Smith in March.
Tuesdays conviction has the same effect: booting him from office.
Prosecutors and voters did all of us a favor by stopping a corrupt public official before too much damage was done.
If only we could get the states Democratic leaders to do the same.
#188 Jun 11, 2014
His district is solidly Democratic, a place where voters toe the party line, many blissfully unaware of the name behind the party label.
But the party bosses knew better. They failed the public by appointing Smith in the first place, let alone supported his re-election. They had their reasons, of course, but none of them noble.
Recognize corruption (in progress) when ever YOU see it!
#189 Jun 16, 2014
Madigan firm got $1.7M tax break for contractor, its partners
When Mesirow Financial Services a Chicago company that manages millions of dollars in pension funds for the state of Illinois and its partners wanted to fight the property taxes on their new skyscraper, they called the law offices of Illinois House Speaker Michael J. Madigan.
Madigans law firm saved the Mesirow group more than $1.7 million in real estate taxes by persuading Cook County officials to slash the value of the River North building by 60 percent soon after it opened nearly five years ago.
Mesirow no longer owns the building at 353 N. Clark that still serves as its headquarters. But the law firm of Madigan & Getzendanner has continued to save Mesirow money by getting the tax bills lowered for the buildings owner.
Madigans firm has gotten Cook County Assessor Joseph Berrios chairman of the Cook County Democratic Party and a political ally of Madigan, the chairman of the Illinois Democratic Party to slash the skyscrapers value, arguing it hasnt been particularly profitable, in part because of generous rent abatements Mesirow agreed to give its tenants, including Mesirow itself.
Over the past three years, Berrios assessment cuts have saved the buildings new owner, Tishman Speyer, nearly $15 million in real estate taxes that otherwise would have been passed on, which passes the tax bills on to Mesirow and other tenants, records show.
And another tax cut is on the way. Madigan got Berrios and the Cook County Board of Review to again slash the estimated value of the property early this year. The resulting tax savings wont be determined until tax bills are calculated later this summer.
Madigan says it wasnt a conflict of interest for his law firm to win the tax breaks for Mesirow which has been paid more than $9 million over the past five years to manage state pension funds that now total more than $300 million and another $5.2 million for financial and insurance services to the Illinois State Toll Highway Authority and other state agencies.
The speaker also says hes done nothing to help Mesirow where his son Andrew Madigan is a company vice president get state business. The speakers son started at Mesirow as an intern in 2008. Mesirow says he now works in business development for all lines of insurance, often involving suburbs including Blue Island, Burbank and Cicero.
Madigans six-lawyer firm specializes in getting property-tax cuts for Chicago skyscrapers, hotels, shopping malls, car dealers and many others. Mesirow is one of the few clients that has contracts with the state of Illinois.
Mesirow says Madigans firm didnt represent the company itself but, instead, an affiliated entity, 351 Mortgage Loan Borrower LLC. That company formed by Richard Stein, a Mesirow senior managing director, to build the skyscraper for Mesirow has never gotten state business, Mesirows Deborah S. Kripes says.
Mesirow has had state contracts for more than a decade.
Those state contracts have been obtained through a public, competitive-bidding process and approved by the appropriate procurement and agency officials, Kripes says.
Richard Price, Mesirows chairman and chief executive officer, is also an investor in Wrapports LLC, parent company of the Chicago Sun-Times.
Madigan has a longtime relationship with Stein, whose development company merged with Mesirow two decades ago. Steins projects have included the redevelopment of the former Glenview Naval Air Station and transforming Maxwell Street into University Village. Stein also sought for years to win state permission to develop a casino in Waukegan.
Madigan says of him:Mr. Stein is a friend and client.
#190 Jun 16, 2014
Stein created 351 Mortgage Loan Borrower with Albert Friedman, a developer who owned the office tower that Mesirow previously leased, which is across the street from its new skyscraper.
They got financing for the project once Mesirow and the law firm of Jenner & Block signed long-term leases to occupy 63 percent of the 1.2 million square feet of space in the 44-story tower.
Construction began in 2006. In late 2009, Mesirow and Jenner moved in under leases that included $11.2 million in rent abatements for Mesirow and $9.7 million for Jenner, according to records Madigan filed with the county.
Less than six months later, armed with an appraisal of the building, Madigans firm began contesting the real estate taxes. It persuaded then-Cook County Assessor James Houlihan to lower his proposed valuation of $76.8 million, arguing that the building had been largely vacant in 2009 and that, as a result, its expenses exceeded its income.
After appealing to Houlihan and the Cook County Board of Review, Madigan got the buildings market value pegged at $31.3 million. That saved Steins company $1.7 million in property taxes for 2010.
On Dec. 15, 2010, Steins company sold the building to Tishman Speyer for $385.4 million a deal that Madigans firm says wiped out the equity that Mesirow and Jenner had in the skyscraper.
For each of the past four years, Madigan has filed challenges of the buildings estimated market value with Berrios, who succeeded Houlihan as county assessor in 2010.
Every year, Berrios has said the building is worth at least $330 million. And every year Madigans firm has gotten Berrios to slash that estimate, resulting in tax breaks that have averaged $5 million a year, county records show. Tishman Speyer passes along the tax bills to its tenants, so any cut benefits them.
The skyscraper had essentially no rental income in 2009 and reduced rental income in subsequent years, says Madigans partner, attorney Bud Getzendanner, who successfully argued for the cuts.
Getzendanner wont say how much the firm has been paid for winning the cuts in property assessment that lowered the buildings taxes. Madigan told the Chicago Tribune four years ago that his firm charges clients an annual fee rather than take a percentage of the tax cuts.
Earlier this year, Getzendanner argued the building was worth no more than $260 million, though its net income hit $36.7 million last year, the highest since tenants first moved in. He noted that 10 percent of the building remained vacant.
Once again, Madigans firm got Berrios to cut the buildings estimated value, this time by 20 percent, then persuaded the Board of Review to lower it by another 2 percent.
Mesirow and Jenner each pays about $30 a square foot. Thats about $10 below the market rate, according to Thomas Jaconetty, Berrios deputy assessor.
In our view, thats low, Jaconetty says of the rent the two firms pay.We think the market supports higher rents than theyre paying. The building is not generating what we say it could.
Asked why, despite that, Berrios has raised his estimate of the buildings worth each year only to back sharply off that figure when Madigans firm appeals, Jaconetty says,This is all value judgments.
#191 Jun 16, 2014
[Over the past three years, Berrios assessment cuts have saved the buildings new owner, Tishman Speyer, nearly $15 million in real estate taxes that otherwise would have been passed on, which passes the tax bills on to Mesirow and other tenants, records show.]
Give backs of this kind COST the TAXPAYERS!
And CONTRIBUTE to the ILLINOIS State DEBT!
#192 Jun 16, 2014
It is always important to gather all the facts and present them in a clear well thought out manner so the public can understand exactly what is going on.
#193 Jun 17, 2014
Illinois elections board is rushing to kill a people power amendment
The State Board of Elections appears hellbent on disenfranchising disgusted Illinois citizens
Yes for Independent Maps is hoping to place a referendum question on the Nov. 4 ballot regarding the redrawing of legislative boundaries.(Alex Garcia,
June 17, 2014
Illinois voters would love the chance to grab the once-a-decade job of redrawing legislative boundaries from the politicians who have abused that process.
Year after year, in poll after poll, support for giving that power to the people has been overwhelming. Hundreds of thousands of voters signed petitions this year to put such a measure a constitutional amendment on the November ballot.
How about a little respect?
We're talking to you, members of the Illinois State Board of Elections.
Yes, you.
Jesse Smart, Charles Scholz, William McGuffage, Casandra Watson, Harold Byers, Bryan Schneider, Betty Coffrin, Ernest Gowen: It took eight months for volunteers and staffers with Yes for Independent Maps to collect those signatures.
You should bend over backward to make sure the citizens of Illinois aren't disenfranchised.
Slow down. Do this right. However long it takes.
The elections board has been in a mysterious rush to crush this amendment, based on a fast review of only a small sample of the 507,467 signatures that were gathered in support of it.
That would be a terrible injustice to the people of this state. It would feed the pure disgust that the people of Illinois have for the political leaders of Illinois.
You doubt that? A Gallup poll this year found Illinois ranked dead last in the number of citizens who have trust and confidence in their state government.
A board vote on Tuesday could effectively throw out several thousand signatures that have been challenged. That could effectively kill the chance to vote on the referendum.
Yes for Independent Maps says those signatures are valid and it can prove that. It needs time, though. The elections board seems hellbent on denying the organizers that time.
Let's back up and explain.
Elections board employees examined a random sample of 5 percent of the signatures and announced that only 46 percent of them were valid. If accurate, that projects projects to the campaign being short of the 298,400 valid signatures needed to qualify for the ballot.
But the organizers say their own checks show a much higher validation rate.
Should we take the word of the elections board examiners as gospel? One examiner disqualified 86 percent of the signatures he or she checked. Another examiner disqualified only 17 percent. This is the first time the state elections board has tried to do such work. In the past, local elections officials did the checks.
A hearing officer hired by the board agreed to give the campaign organizers until June 13 to prove signatures were valid. But the board slapped her down and ordered that the evidence be turned in by June 6.
The campaign turned in its evidence on June 6 and it sat there, unexamined, until June 13. Again: What was the rush? Why was that deadline so important?
The campaign filed requests under the Illinois Freedom of Information Act for voter registration materials needed to make its case. Many of those documents did not arrive by June 6. This should come as a surprise to absolutely nobody who has ever filed a FOIA request.
Yes for Independent Maps wants that material to be considered once it is received. But the elections board may decide Tuesday that it won't allow that evidence. Then those several thousand signatures the campaign believes are valid will be disqualified.
#194 Jun 17, 2014
In short: There is reason to believe that these are the valid signatures of registered voters in Illinois and those voters are about to be disenfranchised. The Illinois State Board of Elections is in a rush to get this over with. The power brokers in Illinois are watching intently. They desperately want to preserve their control over the political map process.
The amendment campaign isn't asking for extra time to collect signatures. It met the timing requirement of the Illinois Constitution when it turned them in on May 1. It's asking on behalf of half a million people who signed those petitions for a perfectly legal opportunity to show that valid signatures are being disqualified.
Voters deserve that consideration. The Board of Elections, though, seems hellbent on cutting this process short.
#195 Jun 17, 2014
They submitted nearly twice the number of signatures that were required. That alone should be sufficient, since all that is asked is a place on the ballot. The voters still have to vote. Only then will we know if the registered voters approve. Everyone needs to get out and vote. I for one, will vote against every incumbent including those where I have to write in a candidate. They need to know that they are illegitimate.
#196 Jun 17, 2014
Hey! Tribune Editorial Board! How about some nice in-depth profiles of the Election board members. How they were appointed, what their voters registration is, who their wives or kids work for, how much money does the position pay and does their income match their lifestyle. In other words are these people honest or political hacks doing as they're told?
#197 Jun 18, 2014
This money needs to be returned to the taxpayers!
#198 Jun 19, 2014
13 questions for the Illinois State Board of Elections
1) Did you decide to rush all by yourselves or did someone help you with that?
June 19, 2014
The members of the Illinois State Board of Elections are awfully thin-skinned about seeing their names in boldfaced type on this page. Too bad. These political appointees are paid $37,571 a year ($58,441 for the chairman), plus expenses, to administer the state's election laws. They answer to the taxpayers who pay their salaries. Or do they?
If several of the board members are trying instead to eliminate a threat to the Democratic power structure, they couldn't do a much better job. Their clumsy judgments on the ballot eligibility of a constitutional amendment to curb gerrymandering suggest that they're serving incumbent pols, not the people of Illinois.
If and when the election board's decisions are appealed to courts of law, we hope judges will ask why the board has behaved as if it wants to disenfranchise the more than half-million Illinoisans who signed petitions.
But as we wait for courts to take over, we have our own questions for the board members Jesse Smart, Casandra Watson, Bryan Schneider, Betty Coffrin, Ernest Gowen, Charles Scholz, William McGuffage and Harold Byers:
From the get-go some of you have signaled that you're in a rush to be done with this measure, as if you're taking out the trash at night rather than overseeing a process by which Illinois citizens seek to amend their state constitution. Did you decide to rush all by yourselves or did someone help you with that?
Why are you obsessed with meeting an Aug. 22 deadline more than two months from now for certifying the November ballot? If being fair to the petitioners delays your process and forces some judges to work overtime sorting out the inevitable disputes, so what? Judges can work weekends too.
The nature of these proceedings places you in the role of judge and jury over questions about the performance of the agency you oversee. To put it another way: It's up to you, the Board of Elections, to decide whether the Board of Elections messed up by disqualifying valid signatures. You should be bending over backward to assure the public you're not just covering your keisters. How can you be objective if you keep whining about being "blamed"?
While we're here: Why are you so sure the fault lies with the people across Illinois who collected the signatures and not the people in your agency who counted them?
Individual state examiners' results were all over the map. One threw out 86 percent of the signatures he or she checked; another threw out a mere 16 percent. Isn't this a red flag?
Why is it so easy for the government to discard a signature and so hard for the petitioners to restore one? Shouldn't it be the other way around?
The process of qualifying this measure for the ballot is playing out under a brand new set of rules: Instead of having local elections officials check signatures and forward the results to Springfield, your board's workers examined a random sample and projected the number of valid signatures. The result, it appears, was fewer people, working faster, to evaluate signatures. Why is this an improvement? Doesn't it make you nervous?
The changes are part of an omnibus election code bill that lawmakers passed in 2011 the year after the League of Women Voters came close to getting a redistricting amendment on the ballot. Did you help craft that bill? Do you think these changes better facilitate the democratic process? Or should we not ask?
#199 Jun 19, 2014
How is the public interest served by cutting short the appeals process? First you overruled your hearing officer's decision to give Yes for Independent Maps another week to collect documents to support its petitions. Then you refused to approve subpoenas to expedite the collection of those materials, forcing the campaign to rely on the Freedom of Information Act to get them. Naturally, many of them haven't yet arrived. How can you justify disqualifying the evidence that was delayed by your action?
If you're so sure the amendment sponsors won't be able to prove their signatures are valid, why have you taken so many steps to limit the evidence they can present?
Board member Bryan Schneider has more than once suggested that you stop second-guessing your hearing officer and let her do her job. That's a fine idea. Why don't you do it?
Public attendance at Tuesday's board meeting showed the high level of interest in this amendment. How about a microphone in a hearing room that seats 150?
We note that the attorney leading the charge to keep this amendment off the ballot is thick as thieves with Illinois House Speaker Michael Madigan. That's fine. But why do you jump every time Michael Kasper says "frog"?
#200 Jun 22, 2014
Doing Michael Madigan's dirty work
Meet the attorney who's fighting to protect the speaker's stranglehold on Illinois
June 22, 2014
The House speaker's henchman had a busy week, fighting to protect the Illinois Constitution from the people of Illinois:
On Tuesday, attorney Michael Kasper appeared before the State Board of Elections, doing his best to disqualify the signatures of thousands of voters who signed petitions demanding a fair redistricting process.
On Wednesday he was in a Cook County courtroom, trying to convince a judge that the framers of the constitution had mapped out a process by which citizens could amend the document but booby-trapped it with language that bars every imaginable change.
Kasper is leading the assault on two citizen-driven amendments vying for space on the November ballot. One would limit the terms of members of the General Assembly. The other would take the once-a-decade job of redrawing legislative maps out of the hands of lawmakers.
In court, Kasper's the lead attorney on a lawsuit billed as a "taxpayer action," which is pretty funny, since his clients were rounded up at the behest of House Speaker Michael Madigan.(If you missed Tribune reporter Rick Pearson's story on that, see chicagotribune.com/kasper .)
Before the Board of Elections, Kasper represents something called the Coalition to Protect the Illinois Constitution, which is even more disingenuous. Trying to keep citizens from voting on whether to amend their constitution is no way to defend it.
We've said it before: This is all a cover for the real battle, which is Madigan vs. the People.
Kasper has served as general counsel for the speaker and for the Illinois Democratic Party, headed by Madigan. He specializes in getting Madigan's enemies thrown off the ballot.
The last thing the state's most powerful politician wants is an up-or-down vote on either of these amendments.
That's why Kasper's lawsuit, which seeks to have both measures declared unconstitutional, was filed even before the petitions had been submitted. It's why he's been lobbying the Board of Elections to throw up barrier after barrier to keep the redistricting campaign from proving it has earned its place on the ballot.
Madigan's stranglehold on state government depends on his ability to control who gets (or stays) elected. He's worked those levers so long and so well that he's now chairman of a party with supermajorities in both houses, an advantage that permitted him to gerrymander the latest set of legislative maps to favor himself even more.
The redistricting amendment would take away that power. It would create an independent panel to draw the maps in the open, with public input. The boundaries would preserve geographic, racial and social communities instead of sorting voters into predictable Republican or Democratic districts. The addresses of incumbents would not be a factor.
Voters would have a fighting chance of electing the candidate of their choice instead of the one Madigan picked for them.
The other amendment would limit lawmakers to eight years in office. Far too many mediocre legislators have enjoyed long careers as back-benchers, rewarded and protected for voting as they're told. Throw the bums out? It would take dynamite to get them out of the nice safe districts they drew for themselves.
The delegates to the 1970 constitutional convention saw this coming. They didn't give citizens free rein to amend the constitution by initiative; most changes must originate through the General Assembly or another convention. But the delegates specifically authorized citizens to amend Article IV, which deals with the legislative branch, because they knew lawmakers would resist curbs to their own power.
#201 Jun 22, 2014
Term limits and redistricting are both right in that wheelhouse. So it's maddening to listen to opponents argue, for example, that the remap amendment is unconstitutional because it would infringe on the executive branch by depriving the governor of the power to sign the maps into law. Or that term limits can't be imposed via citizen initiative, period.
Those reforms are precisely the sort of checks on legislative power that the constitution's authors meant to allow.
As Circuit Judge Mary Mikva asked at Wednesday's hearing: "What is left? What else is there?"
Of course, the General Assembly could put those amendments on the ballot itself. But lawmakers ignore poll after poll after poll after poll showing broad support for both term limits and a fair map. Why? Because Madigan owns the lawmakers.
Here's how the November ballot is shaping up: In Madigan's House, 66 of 118 races are currently uncontested. Eight more candidates could end up unopposed, thanks to pending challenges against their opponents. In the Senate, 10 of 19 races are uncontested, and four others have challenges pending.
In well over half of legislative races, in other words, voters will have no choice. Blame it on those maps, which are rigged to avoid competitive elections.
Michael Kasper is fighting to keep it that way. The amendments he's trying to defeat are not a threat to the Illinois Constitution. They're a threat to the Democratic power structure. They're a threat to Mike Madigan.
#202 Jun 24, 2014
State lawmaker says he was unfairly targeted for fraud prosecution
By Jason Meisner
Tribune reporter
June 24, 2014
Lawyers for state Rep. LaShawn Ford have accused federal authorities of indicting the West Side legislator on bank fraud charges because of his status as an African-American politician.
In a motion filed last week asking U.S. District Judge Rebecca Pallmeyer to dismiss the charges, Fords attorneys said authorities singled him out for prosecution for political reasons. The filing cited an internal FBI report from May 2011 more than a year before Ford was charged that was labeled as a political corruption investigation targeting Ford, even though there were no allegations Ford used his office as part of the fraud.
The filing also alleged prosecutors decided not to charge anyone else involved with the 2010 collapse of ShoreBank a longtime inner-city lender where prosecutors say Ford obtained loans fraudulently even though the only difference between him and other customers was the fact that he had been elected to serve in Springfield.
But for (Fords) status as an elected official and perhaps more specifically as an African American Illinois state politician the grand jury would never have been asked to return this indictment in the first instance, Fords attorney, Thomas Anthony Durkin, wrote.
In a response this week, prosecutors called the allegations meritless, arguing its legitimate to consider a persons status as a public official when deciding whether to charge a case.
Were the defendants legal theory embraced, public officials charged with crimes could challenge the governments motives and conceivably immunize themselves from prosecution if the government gave any consideration to their status in deciding whether to prosecute, the filing stated.
Prosecutors also said that unlike with Ford, there was no evidence any of the other ShoreBank customers had participated in an equivalent scheme to defraud that the government could prove beyond a reasonable doubt.
Ford, a Democrat serving a fourth term in the 8th House District, was charged in 2012 with fraudulently obtaining $373,500 in advances from a line of credit at ShoreBank to rehabilitate six depressed real estate properties on the West Side. The indictment alleged Ford used some of that money to pay off personal expenses, including car loans, credit cards, mortgages, campaign costs and payments to a Hammond casino. His trial is scheduled for August.
Reached by telephone Tuesday, Ford said the charges were simply a misjudgment of character.
Im disappointed to learn that there is evidence I was targeted, Ford said.Its really clear to me that if I wasnt an elected official, I probably wouldnt have been in any trouble.
#203 Jul 13, 2014
The power of untouchable Madigan
Regarding your editorial "How Madigan browbeats Illinois," kudos to the Tribune for your relentlessness in getting the story out about the evil of House Speaker Michael Madigan and the destruction that he has wrought upon the state of Illinois. I have been plunged into despair (along with many other Illinoisans, I fear) over the power that Madigan wields across the state, and the fact that he seems untouchable.
Per your suggestion, I must call out my state representative, Elaine Nekritz, who was Madigan's point-person on pension "reform," with her name and photo splashed across the media on several occasions. This toadyism exhibited by Nekritz, and too many other politicians and agency officials, must end, and must end now.
Whatever happened to the responsibility of our legislators that they are duty-bound to be representatives of their constituents? The only responsibility that they feel is toward their own re-election.
-- Renee
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- Affiliations:
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2 Transport policy and behaviour, Department of Transport, Technical University of Denmark
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- 10.1016/j.jsams.2012.11.657
- Abstract:
- Evidence for a positive correlation between physical activity and health has been around for some years, yet still up to 30% of the world's population are physically inactive (from 17–50% across countries) Commuter cycling has the potential to meet the physical activity recommendations of 30–60 min/day, and important health benefits can accrue from regular commuting cycling. Studies have shown a positive correlation between walkability attributes of neighborhood environments (street connectivity, and use mix, residential density, retail floor area ratio) and cycling. Results from Australia/Belgium show associations between measures of walkability and bicycle use for transport and the present study focuses on exploring whether these findings can be applied to a Danish setting where cycling culture differs and bicycle share is much higher (17% of all trips are by bicycle)
- Type:
- Journal article
- Language:
- English
- Published in:
- Journal of Science and Medicine in Sport, 2012, Vol 15, Issue 1
- Main Research Area:
- Science/technology
- Publication Status:
- Published
- Review type:
- Peer Review
- Submission year:
- 2012
- Scientific Level:
- Scientific
- 234743424