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Who is a Vaiṣṇava?
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- Tuesday, 05 January 2010
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by Śrīla Bhaktisiddhānta Sarasvatī Ṭhākura Prabhupāda
The servants of Śrīla Gurudeva are Vaiṣṇavas. Only those who have taken shelter of the lotus feet of a bona-fide guru by accepting initiation (dīkṣā) from him are Vaiṣṇavas. One's guru-bhakti is the gauge for determining the level of his kṛṣṇa-bhakti, or his vaiṣṇavatā (his standing as a Vaiṣṇava)....


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5% naturally crushed shea butter has been added to our white soap base to produce this Shea base. The added shea butter produces a nice creamy lather, which provides moisture as it softens. Shea butter has many vitamins, minerals, and many believe that shea butter has skin healing properties.
Ingredients: Coconut Oil, Palm Oil, Safflower Oil, Glycerine (kosher, of vegetable origin), Shea Butter (refined naturally crushed), Purified Water, Sodium Hydroxide (saponifying agent), Sorbitol (moisturizer), Sorbitan Oleate (emulsifier) and Oat Protein (conditioner) and Titanium Dioxide (mineral whitener).

subset: commoncrawl


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'Rather than risk losing defenseman Rory Fitzpatrick on waivers to an NHL playoff team seeking depth on the blue line, the Buffalo Sabres had him agree to come to the Rochester Americans on a conditioning assignment. In doing so, the Sabres make it possible for the Amerks to put Fitzpatrick and Radoslav Hecl on their American Hockey League playoff eligibility list.'
Sabres bolster Amerks roster
March 13, 2003 Submitted by
Via: D and C


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• Freshman Vince Gravino has made quite the impact in a short amount of time for Canisius.
• Just six games into his career, Gravino ranks second on the Griffs with 18 points this season, netting a team-best 12 goals to go along with six assists.
• The current MAAC Rookie of the Week set career highs with seven points, four goals and three assists in his most recent game against VMI – a 10-7 Canisius win. The seven points are the most by a Griff freshman since Adam Jones also had seven points in 2008.
• Gravino now ranks fourth among Division I freshmen with 2.00 goals per game and sixth with 3.00 points per game.
• One player that is taking advantage of the new rules that puts an emphasis on two-way midfielders is senior Joe Rautenstrauch.
• Primarily a defensive midfielder during his first three seasons at Canisius, Rautenstrauch now ranks third on the team with seven goals in six games as a senior.
• Rautenstrauch went scoreless during the first 26 games of his career prior to the season.
• In addition to his seven goals this season, Rautenstrauch ranks second on the team with 19 ground balls in 2013.
• After a slow start to the season, the Griffs are starting to score with the man advantage in 2013.
• Canisius has converted 34.4 percent of its man-up chances in its last two games after scoring on only 15.3 percent of its chances in the first four games.
• The Griffs were ranked 61st of 63 teams after the first four games before the run. Canisius now ranks 43rd with a rate of 26.9 percent.
• In a series that dates back to the Griffs' inaugural season in 1990, Marist holds a slim 10-9 advantage against Canisius.
• The home team has won 15-of-19 games in the series. Canisius is 7-2 all-time against Marist at the Demske Sports Complex.
• Last season, the Griffs won only their second game at Marist with a 7-5 win. Canisius clinched a bid to the MAAC Championship with the victory in the season finale, eventually winning the title a week later.
• Mike Moran led the Griffs in the win last season, taking 14-of-16 faceoffs.
• Marist is 5-1 on the season and 1-0 in MAAC play.
• The Red Foxes won their first five games of the season before falling at nationally-ranked Duke on Tuesday, 19-11.
• Connor Rice leads the Red Foxes with 22 points on eight goals and 14 assists. Jack Doherty is second with 21 points, scoring a team-best 16 goals.
• Dave Scarcello has started all six games for Marist, posting a 10.22 goals against average and .488 save percentage.
• Matt Dugan ranks first in the MAAC by winning 56.8 percent of his faceoffs in 2013 (63-of-111).


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'"There's a room in there where the guys are upset, they're not happy," Ruff said, pointing to the Sabres' locker room following practice Tuesday. "And that just tells you that this might be the best thing for the team. We may, in the long run, get a lot more out of this stretch than you can imagine."'
Sabres maintain confidence despite six-game skid
March 28, 2006 Submitted by
Via: AP


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What does it take to get one of these puppies installed, exactly? I've got a Saiga. Pretty much just pop it in or a little bit of dremel work?
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What does it take to get one of these puppies installed, exactly? I've got a Saiga. Pretty much just pop it in or a little bit of dremel work?
The other part, which is definitely a little bit of work with the dremel, is to grind the 2 tabs that are part of the trunnion. If you try right now to put in an AR15 magazine, you'll see that it can really go up all the way. These two tabs stop it. So, you'll need to grind it so the AR magazine can go in deeper. Wait until you get the adapter, so you'll know how much to grind. Once the magazine can go all the way up through the adapter, and CLICK into play like an AR magazine should, you'll be far enough. Hard to judge without the adapter on hand. I did some of the grinding ahead of time. I didn't screw the pooch, but I really wish I had waited. Then I could have done a nicer job.
But Renegadebuck includes really good instruction. later.. mike...
Thanks, Mike. I was just curious as the extent of my experience with modding a Saiga thus far, is a P.G. conversion + 922nr parts. Nothing crazy yet. Doesn't sound too bad though. I looked up the MSA one and it looked as easy as a brain transplant (and thus got worried).
From my understanding, the MSA one is actually harder than Renegadebuck's, because it requires some other grinding to get the adapter to fit correctly. Renegade's the adapter fit's in, just like it was a magazine. (Except for that little grinding I told you on the paddle lever). Definitely wait till you get the adapter. Put it in, you'll see what on the tab you need to grind a little so the lever holds the adapter in place. Then you can work on the magazine going up inside the rifle. That will be pretty obvious once you start. But renegadebuck is there for you. He's awesome. He won't let you down. Actually, his instructions are on this forum or somewhere on the web. I looked at it before I got my adapter. Do a search and I think you'll find the instructions. later... mike.....
I'm glad to hear that too, and that you didn't have much trouble getting it fitted.Quote:
I am very happy with it.
I didn't notice it, but did you get to shoot it yet? Thoughts?
Jaredin; I finally finished my little "Modifications". Here's a picture of my saiga with Renegadebuck's AR/Saiga .223 adapter on it, that I got from coils. I had/have a couple of magazine issues, but those are totally magazine related. The 6 good AR magazines that I have, shoot great through the adapter. No issues at all. Sorry I don't have any close up shots of the adapter. This pic is a cell phone pic. My wife's the amateur photographer. I'll see if she'll take some better pics some time. Anyway, as you can see, the adapter looks like it's part of the gun and suppose to be there. Once renegadebuck gets back into production, I think you will be very pleased with his product. I am. Catch you later.... Mike.....
You guys won't believe this. I had my first can't be pleased customer. Yes, I know you can believe that. What is hard to believe is why. This guy has the only rifle so far that the adapter refuses to work on(when he has it). He shipped it to me(the rifle), I checked and fitted it, shot 60 rounds through it in 3 mags, no trouble. I ship it back, he's not happy. OK, I offer to buy it back. That's not good enough either. I'm suppose to buy the entire setup(of course this wouldn't make him happy either, so why bother) I said I'd buy the adapter back and that was it. He's suppose to send it, but who knows. This is the same guy that called at 3am to complain and ask for help. I have figured out why he's having trouble, but I think it better now, after my integrity was questioned and insulted, to just refund and say Bye bye! I really hate to, and hate this happened, but there are all kinds in this world. Some you can get along with and some you can't. Don't take this wrong. He may be a really nice guy, just not to me. :rant:


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Awareness and planning will help you avoid these unnecessary charges.By Cameron HuddlestonSeptember 9, 2010
It's easy to overlook fees when they're just a couple of bucks. But even the small ones quickly add up. However, most of the time you can avoid being nickle and dimed.
1. Free checking fee. Some banks are starting to attach more strings to their free checking accounts. That is, you'll have to pay a monthly fee unless you meet certain criteria (see Free Checking Is Tougher to Find). However, several online banks and community banks and some major banks still offer free checking without all the requirements to qualify.
2. Balance-transfer fee. Some credit-card companies now charge up to 5% for balance transfers. So before you transfer a balance from one card to another with a low or 0% introductory rate, you should do the math to see if the amount of interest payments that you save with the introductory offer outweighs the balance-transfer fee that has to be paid immediately. See Are Balance Transfers Still a Good Deal? You might find that you'll get a better deal by negotiating down your rate on your current card.
3. Retailer credit-card fees. The new credit-card rules make it harder for retailers to extend credit on the spot. However, that doesn't mean you'll no longer hear "Do you want to save 10% on your purchase today by opening a card account with us?" The discount is tempting, but these cards usually come with higher interest rates than traditional credit cards. If you don't pay your bill in full, that discount you got will quickly be wiped out by the high rate you'll be paying on your balance.
4. Credit-card late fees. Although the new credit-card rules prohibit card issuers from charging $25 for a first-time late payment, issuers can charge $35 if you're late a second time within six months. To avoid these fees, sign up for payment alerts from your credit-card company. You'll receive an e-mail or text message several days before your bill is due.
5. Rewards card annual fees. An increasing number of rewards cards charge an annual fee. However, there are cards with great perks and no fees. BillShrink.com recommends Capital One No Hassle Miles Rewards, Chase Sapphire Card, and Pen Fed Visa Platinum Cashback Rewards.
6. Directory assistance fees. Calling 411 can cost $1.25 or more. You can get free directory assistance by calling 1-GOOG-411 or 800-FREE-411.
7. Baggage fees. Unless you fly on Southwest or JetBlue, you'll have to pay a fee to check even one bag. If you're flying with any of the other airlines and have to check a few bags, you might find it's cheaper to send your luggage to your destination by FedEx, UPS or U.S. Postal Service Ground Shipping. See Save Money by Shipping Your Luggage.
8. Airline booking fees. Don't even think about picking up the phone to book a flight -- unless you don't mind spending $15 or more for the privilege of talking to a booking agent. Book your flights online to avoid this fee.
9. Cell phone early termination fees. You can face a termination fee of up to $200 if you cancel your service before your contract is up. You can avoid these fees by signing up for prepaid service (and save money because these plans usually are cheaper).
10. Roaming fees. Make sure that you understand the way your cell-phone roaming and international charges work. According to BillShrink.com, some roaming rates are $2.49 per minute. And, some carriers will even charge you to access your voicemail (a charge of $4.99 for a missed call) even when you don't pick up that call while you are roaming. If you send a video while roaming, you could be charged up to $7.
See 10 Expenses You Don't Need for more ways to save by avoiding unnecessary costs.
Full recovery for the carmaking industry is still far down the road.By Jim OstroffJune 17, 2010
Although the worst sales slump in decades is over for the U.S. automobile industry, it will be years before annual sales can hope to match the 16 million or so vehicles sold in 2007 -- before the market swooned -- let alone the record 17.3 million set nearly a decade ago.
Still-shaky consumer confidence and tight credit will hold sales to around 12 million new cars, sport-utility vehicles and pickup trucks this year. But that's about 15% better than in 2009, when dealers sold just 10.4 million vehicles -- and that with a strong assist from Uncle Sam's cash-for-clunkers program. The $2.9 billion doled out in rebates probably boosted sales by about 750,000 vehicles.
Next year, assuming the economy continues its slow recovery, look for sales to hit about 13.5 million and reach 16.5 million around mid-decade. As pent-up demand is unleashed and consumer confidence increases, based on a recovering job market, auto sales will have a shot at exceeding the 2001 record by 2016 or thereabouts.
But note that the record sales in 2001, and sales nearly as high in subsequent years, are in the books with an asterisk. They were artificially pumped up by progressively higher cash rebates, which often approached $5,000 per vehicle for the Detroit automakers' products, plus zero percent financing.
Chrysler, Ford and General Motors had to offer eye-popping incentives. Each had a large number of older assembly plants that needed to operate at high capacity to be profitable and were bound by labor agreements that made it nearly impossible to shutter plants. When ballooning health care and pension costs were added in, the Detroit automakers' costs of manufacturing a vehicle were thousands of dollars above their import brand competitors, and the domestics sank into a sea of red ink.
It's a different ball game now. The three automakers can be profitable with total U.S. sales of around 10 million vehicles, instead of 16 million. GM's and Chrysler's bankruptcy reorganizations, and Ford's voluntary one, have squeezed out billions of dollars of annual operating costs, as the companies downsized assembly plants, labor forces and wages.
Without strong incentives juicing auto sales, their growth will be pegged mainly to demographic and economic trends. "Given the outlook for employment and the economy, about 5% of the driving age population likely will buy a new vehicle this year, following 4.4% who did in 2009, the lowest number in 50 years," says Rebecca Lindland, automotive group director at IHS Global Insight, an economic consultancy.
The car buying population will expand just a tad more in 2011, Lindland says, since the industry's earlier blowout sales and easy credit saw "about 1 million people buy new vehicles who normally would not."
EDITOR'S NOTE: This article was originally published in the Sept. 2010 issue of Kiplinger's Retirement Report.
Hurricane Earl that is battering the East Coast is a good reminder to us all that it pays to be prepared for disasters of all kinds. Here are several steps you should take to make sure you and your finances can withstand an emergency.
Fund your emergency fund. Set aside enough cash to cover several months of expenses' and pay for any insurance gaps or deductibles. If a natural disaster strikes -- or if you lose a job or face any other challenges -- this fund will tide you over until you can get back on your feet. Avoid locking the money up in certificates of deposit or stocks. Your emergency money should be there when you need it. See How Much Cash You Really Need for help figuring out how much to set aside.
Check your homeowners and renters insurance. Although standard homeowners insurance will protect you if a major storm hits, it will not provide flood or earthquake protection. Homeowners and renters can buy added coverage for these disasters. Also make sure you have an inventory of your possessions to make the claims process easier.
Buy life insurance. Generally, you should consider enough life insurance to replace your income -- short-term and long-term -- if you die. See How Much Life Insurance Do You Need? for help figuring out how much coverage to get.
Purchase disability insurance. Most people get some level of disability coverage through their jobs, but these policies usually cover only 60% of your salary if you get sick or injured and are unable to work. You can increase your coverage by buying your own policy. See Why You Need Disability Insurance.
Gather important documents. A will provides the ultimate insurance, by outlining how your finances will be handled after your death (see Six Steps to a Good Will). You also should have a living will to explain your wishes about life-sustaining medical care if you become terminally ill and are unable to speak for yourself. Other documents you might need to claim benefits and ensure your financial security include:
-- Birth certificates-- Citizenship and adoption papers-- Marriage license and divorce papers-- Social security card-- Insurance policies (You must have the original life insurance policy to claim benefits.)-- Medical records and information-- Deeds to property, automobile titles, mortgage papers, leases-- Military records-- Investment records
Keep the documents listed above in a fire-resistant home safe or lock box. However, do not keep wills in a safe deposit box. It can be difficult for family members to gain access and might require court supervision to open. Keep a copy in your home safe or at your attorney's office. The original usually is kept with the county registrar of wills.
Create a portable survival kit. There may come a time when you have to leave your home quickly. Creating a portable survival kit with food, water and supplies to last at least three days will help hold you over until your situation stabilizes or help arrives. You can pack your own, or you can buy a basic, pre-made kit for a family of four at The Red Cross Shop for $89.
Stock up. FEMA recommends that you keep enough food and water in your home to sustain your family at least two weeks. Buy canned goods, dry mixes and other foods that store well. (Don't forget a manual can opener and a camping stove, in case you lose electricity.) To build your stash, purchase a few extra items each time you go to the store, or buy a little more when favorites go on sale.
When you're looking for a firm to help you get out of debt, don't rely on an Internet search.By Laura CohnFrom Kiplinger's Personal Finance magazine, May 2009
When Lanette Bridges set out to tackle her massive pile of debt -- $30,000 in credit-card bills and bank loans -- a couple of years ago, she turned to the Internet first. Bridges typed "credit-counseling services" into an online search engine to find an agency that would help her pay it off. Bridges, an assistant teacher at a child-care center in Imperial, Mo., found an agency that promised to withdraw money every month from her bank account to repay her creditors. She signed up.
Several months later, Bridges was still getting calls from her creditors. When she contacted the agency, she was told not to worry. But she checked her balances with her creditors anyway -- and saw that her debt hadn't decreased.
At that point, a friend recommended she call ClearPoint Financial Solutions, another agency. This time, she checked with the Better Business Bureau to make sure ClearPoint was legit. It was. A ClearPoint counselor was able to talk to her creditors, explain what happened and work out a payment plan. But Bridges still lost the more than $2,000 the bogus firm withdrew from her checking account.
With consumer debt at sky-high levels, such stories are becoming all too common. Two prevalent schemes involve companies that claim to be credit-counseling agencies and firms that say they are "debt settlement" organizations. A legitimate credit-counseling agency will educate you about budgeting and how to use credit, as well as help you set up a debt-management plan if you need one. A debt-settlement firm merely offers to negotiate with your creditors. But bogus companies take your money and run.
Since 2001, the Federal Trade Commission has sued 14 firms that claimed to be credit-counseling agencies or debt-settlement firms but allegedly were neither. Last fall, as a result of one of the suits, a record $12.7 million was returned to 287,000 victims.
In a related scam, often hawked in radio ads, firms claim to be able to "repair" your credit record or make your credit score go up virtually overnight. "Steer clear of a credit-repair firm that claims it can take accurate, negative information off your credit report," says Lynne Strang, vice-president of the American Financial Services Association, the trade association for the consumer credit industry. "They can't." If your credit score has been hurt by inaccurate information, you can alert the credit-reporting agency on your own.
Is it legit? Once you get in the door, ask about fees. If the credit counselor won't talk about what the agency charges, walk away. According to the National Foundation for Credit Counseling, the initial counseling session should be free or cost very little -- $15 or so. If, after a 60- to 90-minute initial consultation, you sign up for a one-time debt-management plan, the average fee is $28. If you enter an extended debt-management program, you may end up paying about $23 a month.
If the agency tells you to stop paying your creditors, that's a bad sign -- if you stop paying your bills, that puts your credit rating at risk.
Also beware of agencies that pressure you to sign up for a debt-management program. Some agencies focus on such programs because they're paid by the creditors to sign up clients.
Carmakers have introduced a fresh marketing strategy to attract your business: lower sticker prices.
By Jessica L. AndersonSeptember 22, 2010
Retailers have long manipulated consumers by marking up merchandise, then promoting sales to clear inventory. Car dealers know how to play the game, too. Their marketing ploys often take the form of manufacturer's cash rebates and low-rate financing. But car companies hate offering these incentives because relying on them to sell vehicles lowers long-term resale values across the product line.
So carmakers have introduced a fresh marketing strategy to attract your business: lower sticker prices. For the 2011 model year, several redesigned vehicles feature more amenities at prices that are the same as or less than prices for the outgoing models. This follows a trend that began with the 2010 model year (see my column from last year).
Biggest bargains. The starting price of the redesigned 2011 Volkswagen Jetta drops by $1,590, to $16,765, including the destination charge. A sharply creased exterior bids adieu to the prosaic design of the past, and added length gives the Jetta a bigger backseat but doesn't hurt its classic German-engineered drivability. A smaller engine in the base model improves fuel economy to 34 miles per gallon on the highway (24 mpg in the city). The savings top out at $2,180 on the SE model ($18,965).
Savings on the sixth-generation BMW 5 series range from $900 (on the top-of-the-line 550i, now $60,575) to $1,650 (on the mid-level 535i, now $50,475). Despite the lower prices, the 5-series models get a design upgrade that echoes the sleeker lines of the 7 series; they're also more powerful and have better fuel efficiency. The 3.0-liter six-cylinder engine in the 528i (starting price: $46,825) boosts the car's mileage to 32 mpg highway, 22 city; the 550i now has a turbocharged V8, which bumps its highway mileage (with automatic) to 25 mpg and its city mileage to 17 mpg. The new 5-series cars also earn a coveted Top Safety Pick award from the Insurance Institute for Highway Safety.
More aggressive pricing moves come from Suzuki and Lincoln. The Suzuki SX4 SportBack is nearly $1,500 cheaper -- even without a redesign this year. The compact hatchback, which has more power and legroom than a Honda Fit, now starts at a more palatable $17,244, and Suzuki has added standard rear side airbags. The new Lincoln MKZ Hybrid sedan has the same price as the gas-engine model ($35,180), erasing the average hybrid premium of $5,500. Mileage is 41 mpg in the city (36 on the highway) versus the gas-engine's 18 mpg city, 27 highway.
Utility reborn. The Ford Explorer dumps its truck heritage and reinvents itself as a crossover for 2011. The V6-powered version gets 20% better fuel economy and starts at $1,100 less ($28,995) than the outgoing model; an optional four-cylinder EcoBoost engine -- similar to the one offered on the Taurus SHO and Flex -- improves mileage by 30%.
The redesigned Kia Sorento also moves to crossover construction for 2011. Kia adds a four-cylinder model for 2011 and drops the starting price by $1,505, to $20,790. The Sorento has a sleek new shape and a roomier interior that now seats up to seven. It is also an IIHS Top Safety Pick.
A more luxurious and spacious interior graces the redesigned Jeep Grand Cherokee. Fuel efficiency improves to 23 mpg on the highway (city mileage stays the same, at 16 mpg). Its starting price is $30,995 (nearly $500 less than last year), and the price drops by up to $1,160 for the rear-wheel-drive Limited (now $37,100). The Grand Cherokee wins IIHS Top Safety Pick honors.
Seating up to eight, with oodles of storage, the third-generation Toyota Sienna is taking on the dull-minivan stereotype head-on with ads touting it as the "swagger wagon" (search for it on YouTube.com). The Sienna wins an IIHS Top Safety Pick, and it, too, is cheaper than it was last year: The CE starts at $25,070 ($280 less) and the LE starts at $26,155 (a $720 savings).
A mediocre or nonexistent credit history could cost you hundreds or thousands of dollars. Learn the secrets to build a stellar score while you're young.By Erin BurtFebruary 22, 2007
How much do you know about your credit score? That three-digit number is tied inseparably to our financial lives, yet many young adults haven't given it the attention it deserves. Your score can play a role in your ability to rent an apartment, qualify for a loan or even get a job. It can also affect how much you'll pay on interest charges, insurance and even cell phone contracts.
Make building a stellar score a priority while you're young and you could actually save hundreds or thousands of dollars over your lifetime. However, if you don't take your credit seriously, a bad score -- or even a nonexistent score -- will cost you.
Your credit score is basically used to predict the possibility that you won't pay your bills. They are compiled by Fair, Isaac & Co., and are sometimes called FICO scores. The top possible number is 850, but topping 800 is probably unrealistic. A median score usually falls in the 720-to-725 range, meaning half of consumers fall above that point, half below. Even if you haven't given your FICO score much thought, there are plenty of others who have or will, so you'll want to aim for the mid-700s to make the best impression on:
1. Lenders. This group is the one most people associate with their credit score. Having a good rating can help you qualify for the best rates on a mortgage, car loan, credit card and even a small business loan if you've got that entrepreneurial spirit. A nonexistent score can make it impossible for you to qualify for a loan or credit card at all. (Learn how to overcome this obstacle below.)
2. Insurers. The majority of auto insurance companies use your credit score when determining your rates, and the practice is also common among home insurers. A recent survey by Consumer Reports among eight popular auto insurers found that drivers with top scores could pay up to 31% less on their premiums than if credit scoring wasn't factored in, while those with bad scores would pay as much as 143% more.
3. Landlords. Increasingly, you may need a good credit score to rent an apartment. Landlords view your credit rating as a measure of your responsibility to pay bills on time. If your rating is below par or you don't have a credit score yet, you may have to find a friend or relative to co-sign your lease, or you could be required to pay a higher rent or security deposit.
4. Employers. When you're applying for a job, potential employers can pull your credit report as long as they notify you first. And, in fact, about 35% of them do, according to the Society for Human Resource Management. Why? Bad credit can be a signal of irresponsibility, or employers might be worried you'll spend more time fretting about your financial woes than concentrating on the job.
5. Cell phone carriers. Even cell phone service providers may check your credit before signing you up for a plan. They want to make sure you're responsible and will pay your bill each month. Some utility providers may pull your report as well. If you have credit issues, you may not qualify for the best plan rates, you could be required to pay a deposit, or you could get turned down.
So, how much does your credit score affect your finances? Say we have two friends, Jim and Mark. Both took steps right out of college to start building a credit report by getting their first credit cards and an auto loan. Jim made all his payments on time, never maxed out his credit cards and often paid more than the minimum required. Mark, however, frequently paid late, overextended his cards and applied for new credit to bail him out of his mismanaged debts.
Now both are ready to buy homes, and they each apply for a $250,000 30-year mortgage. Through Jim's responsibility, he's been able to build a score of 750, qualifying him for a loan with a 6.2% interest rate, according to Fair Isaac, a credit scoring bureau. Mark's score comes in around 650, netting him a rate at 7.3% interest. Jim's monthly mortgage payment is $1,536 while Mark pays $1,718 -- a difference of $182 per month. If they both live in their homes for ten years before selling or refinancing, Mark will pay $21,840 more in monthly payments than his friend. Ouch.
Mark also gets burned on a new auto loan -- paying $1,332 more over three years on a $20,000 loan than Jim. Plus, Mark probably paid much more for his car insurance than Jim.
Even if you don't plan on applying for a loan, or getting a new apartment or a new insurance policy anytime soon, it's a good idea to start building your credit score now so it's there when you need it.
When you're starting from scratch, a good place to begin is in college where lenders hand out credit cards like candy. But don't rush to indulge. Janet Bodnar, Kiplinger.com's Money-Smart Kids columnist, advises students to get just one card their junior or senior year, use it occasionally and pay off the balance each month. It's much easier to qualify for a credit card while you're in school than after you graduate (lenders figure that Mom and Dad will bail you out while you're in college if you can't pay your bill).
If you're already out of school, or you don't trust yourself with a full-fledged credit card yet, a secured card will help you get off on the right foot. This card allows you to make a deposit with a lender (such as your bank or credit union), and the amount usually becomes your credit limit. The issuer takes on zero risk because if you don't pay on time, it can dip into your account to cover the bill. Most issuers require a deposit of $300 to $5,000. You build a history just as fast with a secured card as with a regular one. And after making payments on time for a year with a secured card, you should have an adequate history to switch to an unsecured card and get your deposit back.
A new scoring system from FICO may soon help young adults trying to build a credit history. It is based on alternative data such as whether you pay your electric bill on time and maintain a clean checking account (learn more.) So you'd do well to keep all areas of your finances in tip-top shape.
Knowing what goes into your credit score can help you manage your debts well. Here's how to make the best impression on your credit history:
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Two New London men charged with breaking into cars
New London — Police arrested two New London men early Wednesday morning who they say were breaking into cars at various locations in the city.
Joseph Allen, 20, of 103 Truman St., and Taj Johnson, 19, of 23 Chappell St., were each charged with two counts of third-degree burglary, fourth-degree larceny and fifth-degree larceny.
Johnson, who police said was found with brass knuckles, was also charged with possession of a dangerous weapon. Allen was charged with first-degree failure to appear in court related to a pending criminal case.
Police said early Wednesday morning, a resident called and told them that two men were breaking into a car at a parking lot located at 281 Gardner Ave. The caller gave police a description and location of where the men were heading.
Patrol officers responded to the area and found Allen and Johnson, who fit the description.
Police said they were able to find the victim in the Gardner Avenue break-in and were able to determine that a Dell laptop and cash were taken. Police also discovered that another car in the area of 51 Mansfield Road was burglarized. An Apple laptop and money were taken from that vehicle. Police said all stolen property was recovered.
Both men were held in lieu of bonds pending their arraignment Wednesday in New London Superior Court.


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The evolution of our sitting room is a prime example of changing things up. It's not my dream for the space, but I'm trying to work with what I have. That big leather chair/ottoman and I go way back to my single days!
A while ago, I moved that chair/ottoman to the living room to provide more seating and to hide one of the toy boxes. So, the sitting room sat rather empty for some time.
At Christmas, we put our tree in the curve of the staircase, so we had to move the Target settee somewhere, and it temporarily went to the sitting room.


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CoolWater VAG Club D.H.S Dub Historical Society
Life is 10% what happens to you and 90% how you react to it.
in for lolz
This isn't your normal skyline. This motherfcker is the skyline God would drive if he wasn't busy doing God sh*t like making tsunamis and crap. Its set up to go fast, and go fast sideways. Who doesn't like to get sideway?! Terrorists, thats who. Are you a terrorist? No? Then you need this car.
fantastic stuff. the amount of fail in there is unbelievable.
My friend bought a Continental Mark II that has "only" been underwater for an hour. The oil flowed out and the water flowed in.
Here was my clutch disc after it finally sh*t the bed after 6000 miles of slipping ...
Whaddayer mean, I shouldn't leave that battery on the floor?
█ ♣ █....|....├┼┤....|....Wait, what? - Iroczgirl
Am I the only one that finds most of the posted material disturbing?
Regardless of your financial situation, if your brake rotors are NON EXISTENT, tires patched with tape, etc... Please stay off the road.
If I were in that situation it would go down to carpool or public transportation.
Never would I put other people in danger, or even bring other people that i care about into a car in that shape.
You cannot have it both ways. You cannot have people work to keep themselves off welfare and then disparage those same people from skimping on anything they can to make ends meet. As I said before, try living on your own for $1200/month gross ... now understand that many people in this country are raising a FAMILY on that amount of money. People do what they need to do to get by and for one, I'd rather them grind through a set of brake rotors than go without food for a week.
People in this country are so blind to the blight of so, so, so many.
Algunos padres son poetas, todos los hijos son poesías. ♥
I love all the brake rotor pics. It makes me feel so much less retarded about my own rotor horror show posted below.
My 2000 Beetle sat for a year while I was going through Physical Therapy. When I finally got back behind the wheel my rotors just sort of crumbled.
removed because realized just as annoying as the people that refuse to turn off their phone app's auto-spam with every post.
Vibrations around 60mph...
HOW does that even happen?
EDIT: nvm, the hub cap has no curb rash, but the wheel does. I'm just as confused as you now.


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Gregory Lockhead
Mirrors in Mind. Richard Gregory. 302 pp. W. H. Freeman, 1997. $26.95.
I first visited the Exploratorium in San Francisco in 1970, and I had a great time. Now there are Exploratorium-like places that provide hands-on experiences of the physical world and of perceptual phenomena in Chicago, Toronto, Durham, North Carolina and many other places, including England, where Richard Gregory founded the Exploratory, which helps explain why things appear as they do. No formal training is needed to enjoy these wonderful demonstrations. Gregory's Mirrors in Mind is an extension of his Exploratory. He has wondered about perception and light and seeing, and thus also necessarily about mirrors and reflection, for many years. This book gathers his many musings about mirrors and organizes what he has learned about what others have thought about his same questions.
Mirrors introduce ambiguity. Suppose that you see a speck of dirt on your friend's cheek and point this out by touching your left cheek. In response, does she rub her left cheek or her right cheek? And which did you intend? You could have reported as if you were a mirror, which would mean that her right cheek is smudged, or as if it were your own cheek, which would mean that her left cheek is smudged, and she could infer one or the other intent. In an informal survey, I found that about half of the people with whom I tried this inferred one cheek and half inferred the other. High or low on the cheek is not confusing, which means that the left-right problem is not just one of communication. Is this confusion because we are bilaterally symmetrical, or because mirrors somehow reverse left-right but not up-down, or something else? And what did Aristotle think about such issues, and Descartes, Yeats, Newton, William James and Alice in her Wonderland? These answers and more are presented in an informing and entertaining manner in Mirrors in Mind.
The book begins with questions—some meaningful, some curious: Might multiple personalities appear multiply in a mirror? Which animals recognize their reflection as themselves and thus have the concept of self? When congenitally blind people who have successful cataract removal become sighted, how do they perceive mirror images? And what have artists understood about mirrors? X-ray examination reveals that Rembrandt changed a self-portrait that was first drawn incorrectly in mirror image. It seems interesting that very few artists incorporated mirrors in their paintings. Among those who did, however, many used mirrors to achieve perspective for their drawings and to produce illusions. In literature, Shakespeare was intrigued by reflections, and Gregory shows many places in which conceptual mirror-images are used in the Bard's plays.
Next, Gregory provides us with a selected history of mirrors, reflections and magical practices that cuts across time and countries and is filled with what some might call trivia and what all will call interesting detail. Then there is a review of classical optics (no mathematics required here) where Gregory argues that mirror reversal is not a problem to be explained, but instead is a confused interpretation that disappears when considered correctly. The reader who needs convincing of this will have to work through Richard Feynman's explanation for what we call mirror reversal found in the fourth chapter. This chapter and the next are introduced with Gregory's report that the ancient Greeks, and particularly Euclid, who wrote about light and mirrors, "thought of vision as working by rays shooting out of the eyes to touch surrounding objects." Gregory considers it curious that these ancients did not ask why rays could not be shot out at night. I would additionally ask why the ancients did not ask how the information returned to them to be seen.
Some other interpretations in the book might also be questioned, such as Gregory's description of the nature of light in which he notes that "light does not show wave and quantum properties at the same time. However, [apparently as a metaphor] a person is not happy and sad at the same time!" This does not quite describe the quantum mechanics of light. It is not that light does not have both properties at the same time; it is that we can never measure both properties simultaneously. For the metaphor to fit, it could be that someone is happy and sad simultaneously, but we cannot measure this.
Next comes a history of making mirrors, including materials, telescopes, mirror gadgets, kaleidoscopes and the magic involved. It is followed by a discussion of handedness which even includes the right-hand rule in electronics, and of the ambiguity of mirror images to illusions and perceptual distortions—-all of which is fun to read and much of which will be new to many people.
One cannot fully discuss mirrors without including Charles Dodgson's Alice in Wonderland and Alice Through the Looking-glass, from which Gregory quotes. From his thoughts about Alice's turning around because of mirrors, he reflects backward to Plato's images in the cave and forward to his own view that mirrors are not mysterious when we consider they reflect us as if we were turned around. He goes on to connect those thoughts to the more general importance of learning to interpret what we experience, for which he argues that "we need very carefully designed science centers—Exploratories and Explanatories—to learn how to interpret everyday experience without being misled." Gregory has been in his own exploratory all of his life, and he is a marvelous spokesman for educating children via play. In the final chapter, he briefly relates his reflections to mental models, Science (with a capital S), Pascal's calculating machine, intelligence and consciousness.
There is a lot here, from history to art, culture, optics, literature, science and philosophy, and there is no way that a single reviewer can evaluate the correctness or completeness of each reference. But the language flows smoothly, and essentially every sentence says something that is both interesting and often worth contemplating.—Gregory Lockhead, Psychology: Experimental, Duke University
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Saint Honore
Petite Coated Skinny Jeans
Out of Stock
- Our straight fit. Straight through the hip and thigh, features a low rise, and sits lower on the waist.
- Silvertone logo studs and logo bar at back.
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- 62% cotton, 36% polyester, 2% spandex. Machine wash, cold. Imported.
- Regular inseams: regular 30", short 27.5", long, 32".
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Course Description
ATR 201 Pathology and Pharmacology for the Athletic Trainer
2 cr.
Offered: Winter
In addition to sport injury pathology, recognizing various systemic diseases will also be covered. Pharmacological concepts will include drug legislation, drug forms and routes of administration. Terminology, prescription, systems of measurement and the various types of drugs used in the profession will be covered.


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Meg Whitman vs. Jerry Brown – Steel-Cage Smackdown
posted at 9:08 pm on October 13, 2010 by Dafydd ab Hugh
In a wide-ranging, freewheeling debate last night between the two candidates for governor of California — Attorney General and former Gov. Jerry "Moonbeam" Brown (Democrat) and former eBay CEO Meg Whitman (Republican) — each disputant made one major gaffe; but Brown's was worse than Whitman's, in my opinion.
Too, Whitman was overall more focused and on-message, more believable, and more coherent by a long shot. Brown by contrast rambled on like your crazy uncle who lives in the basement, hurling out incomprehensible numbers so rapidly that even I, who follow politics like a fiend, couldn't follow him. Half the time, I had no idea what the heck he was even talking about.
NBC anchor and ultra-liberal Democrat Tom Brokaw actually did a pretty good job of being even-handed this time; I have a feeling even he and his cohorts are rather skeptical of another term for Mr. Brown. But Brokaw lost control frequently, as each candidate ignored Brokaw's attempts to move on to the next question and instead persisted in responding to what his opponent said. I applaud this; I'm much more interested in follow-up As between the candidates than in listening to Brokaw's carefully stage-managed laundry list of Qs.
I cannot imagine that Jerry Brown did himself any good with this debate. For one thing, Whitman was the clear aggressor; she was on offence, leaving Brown to play defense. (Very defensively: Brown's shocked look, as he peered left and right whenever she attacked his record or his campaign proposals — What… me? You're mean me? — was simply priceless!)
But Whitman certainly regained the aura of leadership that she held before the first debate, which I didn't see (it wasn't broadcast, only webcast). Once polls finally start flowing here in the Golden State, I expect we'll see Whitman moving up at Brown's expense.
But let's get to the juicy stuff…
The gaffes – Whitman flubs the whore shot
Brokaw brought up the "whore" incident… and I expect I must explain exactly what that was:
Background: Both Brown and Whitman had been seeking the support of police and fire-fighter unions, but Whitman got all but one of them. In particular, both campaigns went after the Los Angeles Police Protective League.
Whitman is pushing for reform of public-employee union pensions, which are bankrupting California (and many other states); she wants to switch those pensions from defined benefit funds — where a specific, dollar-amount monthly pension is awarded after retirement — to defined contribution funds, where the state contributes a specific amount to a 401K plan, to which the employee also contributes. The former leads to economic catastrophe, as the pensions rise and rise without limit, eventually eating up the entire state budget; but the latter are more manageable, with the state contribution being strictly limited.
So Whitman wants to switch to defined contribution for future hires; but she makes an exception for police and firefighters (about 25% of public retirees) — on grounds, she says, that they put their lives on the line every day for Californios.
About a week or so ago, Brown called up the LAPPL, hoping for an endorsement; he got voicemail and left his pitch. But either he or a staffer inexpertly hung up the phone, and an ensuing lively conversation among Brown and his campaign workers was recorded for posterity on the LAPPL's answering machine.
In the course of that discussion, some still unknown (or at least unrevealed) person suggested calling Meg Whitman a "whore" because she had agreed to support a "defined benefit" pension fund for police and fire pensions. One presumes the caller meant the term in the sense of "will change her position for money;" but the word certainly has a very nasty connotation when applied to a particular woman.
Since the Police Protective League had already decided to endorse Meg Whitman instead, because she would crack down harder on crime and criminals, they decided to share the unintended recording with various newspapers, including the Los Angeles Times and the L.A. Weekly.
So as I said, Tom Brokaw asked about the "whore" comment, which he called the "hundred thousand pound gorilla in the room," during the debate. Specifically, Brokaw asked Brown whether the word "whore," applied to a woman, was as bad as the N-word applied to a black person. After a half-apology, Brown dismissed the comparison — eliciting loud moans throughout the audience; at that point, the crowd was thoroughly on Whitman's side, and she could have hammered the point home.
But then Brown turned the tables, demanding to know whether Whitman had reprimanded her campaign chairman, former Gov. Pete Wilson, for calling Congress generally a passle of whores. Evidently caught off guard, Whitman responded very lamely: "Now you know that's a completely different thing," she said (to the best of my recollection).
This immediately flipped the audience against her; they hooted derisively. In the end, I think it became a neutral issue, rather than hurting Brown.
What should she had said? I have a much better answer… and had she been prepared for the countercharge, I suspect she would have thought of this as well. I would have advised her to say the following:
I think it was rude and offensive when Pete said that, fifteen years ago. But it's one thing to use an offensive term as a general attack on Congress — it's much, much worse to use that same word to directly attack an individual person, an individual woman. One of the best scenes in the movie Mean Girls was when the girls' gym teacher got them to stop calling each other "ho's," and taught them instead to give other girls — and boys — the respect we all deserve.
Because it really is different, of course, to talk about a parliament of whores than it is to point at a particular woman and call her, personally a whore. If you're interested (and even if you aren't!), here is the 1995 Pete Wilson comment in context, followed by the Brown campaign worker's comment in full:
After learning that a federal judge had ruled California might be liable for up to $500 million in damages over its issuance of IOUs during a budget crisis in 1992, [Gov. Pete] Wilson lashed out at Congress for having approved the Depression-era Fair Labor Practices Act.
"I don't blame the judge; he is interpreting the law," Wilson said during a speech before the National Association of Wholesalers Wednesday. "I blame the Congress for being such whores to public employees unions that they would pass that kind of legislation."
And the Brown campaigner:
In the call recorded by the Los Angeles Police Protective League (which sent the audio to the Weekly and other outlets), Brown seems frustrated by pressure to vow to protect law enforcement pensions at a time when such benefits are under scrutiny for the heavy burden they place on taxpayers.
" … I have been warned if I crack down on pensions … they'll go to Whitman, and that's where they'll go because they know Whitman will give 'em … a deal, but I won't," Brown said.
His associate then says, "What about saying she's a whore?"
Brown declines the offer to colorfully portray Whitman in television as a patsy to the police unions.
The gaffes – Brown's Homer-Simpson moment
Jerry Brown performed his own interpretation of one of those scenes where Homer is thinking the truth and telling a fib, but he gets mixed up and accidentally thinks the fib and tells the truth instead.
Whitman had hit Brown several times with the fact that the police and firefighter unions were all supporting her, while the other, less savory public-employee unions were all financing Jerry Brown's campaign — and incidentally paying for the "independent" attack ads against Whitman.
Brown objected strenuously, trotting out his endorsement by the California Police Chiefs Association. Now bear in mind, police chiefs are not the same as police officers; in fact, police chiefs (or police commissioners) often aren't even police officers at all, and may never have served for a single day on the streets. They are politicians appointed by other politicians (mayors, city councils) to supply civilian control to the police department.
Even when the police chief is an actual cop, he has generally long since ceased doing real police work, becoming an administrator instead; and he is never picked for his policing ability but rather for purely political reasons. So it's no surprise that the CPCA and the LAPPL are often at odds with each other… for example, when the Los Angeles Police Department's Chief of Police throws rank-and-file officers under the bus over an excessive-force accusation, rather than defending the cops.
Anyway, Jerry Brown objected to Whitman saying she had the support of police and firefighters; he wanted to say he has the backing of the chiefs of police, but it didn't quite come out that way:
Brown, meaning to say "I've got the police chiefs' backing," instead started "I've got the police chiefs in my back […]" before pausing to correct himself. Whitman interrupted, laughing as she said, "I think he said he's got the police chiefs in his back pocket."
While I don't think such minor gaffes generally make much of a difference in a race (there are exceptions, such as President Gerald Ford misspeaking in a debate, saying that Poland wasn't dominated by the Soviet Union), I nevertheless believe that Brown's gaffe was much worse than Whitman's: She only said that calling a group of people "whores" was not the same thing as calling a specific individual woman a whore; this is true, even if it sounds a little trite, in the absence of explanation.
But Brown inadvertently blurted out a deep truth: He has the police chiefs, and indeed the non-security-related public-employee unions, in his back pocket… and more sinisterly, they have him in theirs.
This plays directly into one of Whitman's campaign themes, that Brown is beholden to all the various left-liberal money machines who paid for his campaign; and he will do their bidding if he gets back into the governor's mansion. By contrast, Whitman's self-funded campaign leaves her independent of the special interests, owing nothing to anybody but the California voters.
Wrapping up
Democratic partisans swear that Brown delivered a "TKO" to Whitman in this debate; Republicans say she mopped the floor with him. But bottom line, as best I can call it, folks who are actually deciding who to vote for on the basis of this debate are much more likely to swing to Meg "Glam With a Plan" Whitman than to Jerry "Crazy Uncle" Brown.
I suspect that isn't very many people… but in a race this close — Brown is ahead by 5.33% in the RCP average — even a small number of people landing on Whitman's side can give her the victory. But we really can't tell much; inexplicably, there hasn't been a poll released in either this race or the California U.S. Senate race in nine days, just 20 days out from the election.
Cross-posted on Big Lizards…


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In 1996, the Chadwicks entered into a partnership with the Robert Mondavi family, which presented an ideal opportunity for us to realize our global vision of winemaking centered on an exchange of cultures and winemaking philosophies.
"We saw the same potential in Chile that we saw in Napa Valley 30 years ago," said R. Michael Mondavi, President and CEO of Robert Mondavi. "But most importantly, with Caliterra we saw people who are dedicated to producing wines that belong in the company of the greatest wines in the world."
Caliterra quickly evolved into a true working partnership. In the vineyards, viticulturists Pedro Izquierdo of Chile and Andy Bledsoe of California work together on all aspects of winegrowing, including planning new vineyard sites, managing existing vineyards and harvesting the grapes at their peak. They concentrate their efforts on finding the best vineyard sources for each variety.
In 1998, Caliterra crushed its first vintage at La Arboleda, a new, state-of-the-art winery located in the Colchagua Valley. Colchagua, which is located within the Valle Central appellation, is quickly becoming one of Chile's premiere regions for red varieties. Looking ahead, Caliterra will continue to explore the potential of Chilean wines as newer vineyards develop. The partners also plan to build a visitors center. View all Caliterra Wines
About Chile(CHEE-lay)
Photo of the sun break following morning fog over the vineyards of Veramonte Winery (located in the Casablanca Valley)
Notable FactsThe main regions of Chile include Maipo (pronounced MY-poh), known for reds like Merlot, Cabernet Sauvignon and Carmenere; Casablanca Valley, a region producing delicious Sauvignon Blanc, as well as other whites & some reds; Colchaugua, an inland district creating amazing red wines from Syrah and Cabernet Sauvignon, particularly in the Apalta sub-region; and Rapel Valley, settled right under Maipo and producing the same red varietals. A couple of smaller regions to watch include Limari and Elqui, two valleys further north, producing some delicious cool-climate Chardonnay and Bio Bio, an area further south, which is also focused on cool-climate varieties. Chilean wines are growing in exports and more consumers are enjoying the delicious values coming from the country. Red wines of the region, though they cannot be generalized, make the whole gamut of wine quality – quaffable to collectible. Cabernet Sauvignon, Merlot & Carmenere are the main players, though Syrah is also making a splash. Some of the best reds are blends of the above varieties. As for whites, Sauvignon Blanc is typically crisp, herbal and racy, while Chardonnay is richer in style with full-bodied texture and tropical fruit flavors.
About South America
Young, organically farmed Carmenère at Chile's De Martino estate vineyard


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LOCATION: UMass Track & Field Complex
MEET INFORMATION: Schedule of Events | Records
AREA INFORMATION: Directions | Weather | Amherst Visitors Guide
|2012 A-10 Championship Central
|RichmondSpiders.com Coverage
|Live Event Results
|Live Results | Live In-Meet Tweets
|Social Media
|YouTube Channel | Coach's Blog | Facebook
|Meet Previews
|RichmondSpiders.com | SpiderTV
|Day 1: Saturday, May 5
|Recap | Results
|Day 2: Sunday, May 6
|Final Results
|Complete Results | Team Scores
UNIVERSITY OF RICHMOND, Va. - The Richmond men's and women's Track & Field teams travel to Amherst, Mass., this week for the Atlantic 10 Outdoor Championships. The two-day meet, hosted by the University of Massachusetts, is set to get underway on Saturday at 8:45 a.m.
The Spider women look to recapture a top-three showing this weekend following their third-place finish a year ago, while the men look to build upon their ninth-place performance at the 2011 conference meet.
The Championship Central grid above will be featured in both Track & Field recaps posted on RichmondSpiders.com over the course of the weekend. Links will be updated as information becomes available.
Alumni, family and Spider fans at large looking for up-to-the-minute results are encouraged to follow this week's action via live results with additional insight being offered via live in-meet tweets. A complete schedule of events for this weekend's meet can be found here.
A written recap and results will be posted on RichmondSpiders.com following each day of action, with videos being posted on the Spiders' YouTube channel.
2011 All-American Nicol Traynor (Basking Ridge, N.J./Ridge) will lead the way for a young Spider distance corps this weekend. The stellar senior stands atop the league in both the 1,500 Meters (4:24.61) and 3,000 Meter Steeplechase (10:17.88), with her time in the steeple is currently seeded 15th in the NCAA East Region. She also ranks second in the A-10 in the 5,000 Meters after turning in a time of 16:33.62 at April's Mt. SAC Relays.
Sophomore Alli Mannon (Lititz, Pa./Warwick) heads into the conference meet ranked fourth in the 1,500 Meters with a time of 4:29.19, while junior Stephanie Paradis (Leesburg, Va./Stone Bridge) is just behind in seventh (4:31.95).
Freshman Alli Stapleton (Commack, N.Y./Commack) finished the regular season with the league's 13th-fastest time in the 3,000 Steeple (11:23.95), with sophomore Liz Schinski (Geneseo, N.Y./Geneseo) three spots back following her top time of 11:27.15 at Christopher Newport's Captain's Classic.
Highlighting the Spiders' middle distance corps is newcomer Taylor Clevinger (Mechanicsville, Va./Saint Catherine's School), who ranks just outside the conference's top-10 in the 800 Meters with her time of 2:13.56 clocked at Princeton's Larry Ellis Invite.
Richmond also fields the league's third-fastest 4x800 Meter Relay squad after the foursome of Traynor, Paradis, Mannon and sophomore Amanda Lineberry (Mechanicsville, Va./Lee Davis) combined for a winning time of 9:07.00 to claim victory by nearly 15 seconds ahead of runner-up Rutgers at the Fred Hardy Invitational in March. The quartet's time is less than one second off Duquesne's second-seeded squad.
After taking second in the hammer a year ago, senior Meaghan McGovern (North Kingstown, R.I./North Kingstown) makes her way to Amherst in search of her first-ever conference title in the event. McGovern has hurled a league-leading toss of 56.25 meters that also ranks 31st in the NCAA East Region.
Also looking to make a statement this weekend will be newcomer Melanie Overall (Lake Oswego, Ore./Lake Oswego), who is the only freshman among the league's top-10 in the javelin with her fourth-best toss of 37.64 meters that coincidentally came in just her second-ever collegiate meet at George Mason's Patriot Open in April.
Sophomore Grace Gibson (Virginia Beach, Va./Virginia Beach), who sits in seventh among A-10 pole vaulters, will look to extend her school-record mark of 3.45 meters in the event this weekend. Senior Devin Cassels (Lewisburg, Pa./Lewisburg Area) will attempt to do the same after turning in the league's fifth-best jump of 4.45 meters in his final home event at the Fred Hardy.
Joining Cassels on the field this weekend is Sean Livesey (Philadelphia, Pa./Devon Preparatory School) in the javelin. The junior ranks 13th in the event with a distance of 46.74 meters.
Sophomore Ryan Lee (Wilmington, Del./Archmere Academy) will lead the charge for what is also a young crop of distance runners on the men's side. Lee heads into A-10s with the league's 14th-fastest time in the 5,000 Meters (14:46.85), with junior Jason Skipper (Pittsford, N.Y./Pittsford Mendon) also inside the event's top-20 with a time of 14:52.24.
Freshman Matthew Groff (Landisville, Pa./Hempfield) holds the 15th-quickest mark in the 1,500 Meters with his time of 3:54.52 clocked at the Larry Ellis Invite, while classmate Billy Fayette (Clarendon Hills, Ill./Hinsdale) is just two seconds behind with his time of 3:56.65.
After what resulted in a near school-record performance at last week's Penn Relays, senior Meaghan McGovern was selected as Women's Outdoor Track & Field Performer of the Week for the first time on Monday, April 30. She became the second Spider to earn the honor this season after classmate Nicol Traynor did so earlier in the month.
McGovern saved her best hurl for last in the College section of the hammer, posting a personal-best toss of 56.24 meters (184-6) on her sixth and final toss to finish second in the event. Her PR, which was just .18 meters off Beth Crocus' 2006 school-record of 56.42 meters, was two full meters further than her winning throw at last year's Penn Relays.
The senior standout's toss currently ranks 31st in the NCAA East Region, with it thus likely to land her a spot in May's NCAA East Region Championship for a third-consecutive season.
Following her record performance at Richmond's Fred Hardy Invitational, senior Nicol Traynor was named Atlantic 10 Performer of the Week for the third time of her illustrious Spider career on Monday, April 2.
Traynor continued what has been a strong final semester on the track on the opening day of the Spiders' seventh annual Fred Hardy Invite. The Basking Ridge, N.J., native turned in a time of 4:24.61 in the 1,500 Meters to reset her own meet and facility mark by more than four seconds and finish second overall as the top collegian among a 63-runner field in the event.
The 2011 All-American returned to the track the following afternoon alongside junior Stephanie Paradis and sophomores Amanda Lineberry and Alli Mannon to anchor the Spiders' 4x800 Medley Relay (9:07.00), which clocked an easy victory by nearly 15 seconds ahead of runner-up Rutgers.


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The summer starts here on Arsenal.com as we begin our annual focus on different aspects of the Club. It all kicks off with Season Review Week as we examine the 2007/08 campaign at Emirates Stadium.
Arsène Wenger's team were written off in most quarters last summer but defied the critics to lead the Premier League for much of the campaign. Arsenal were eventually overtaken by Manchester United and Chelsea, and they also suffered a cruel Champions League exit at Liverpool, but there were plenty of positives to take from a promising season.
The past nine months will be examined in the next five days. We'll examine the highlights and lowlights of 2007/08, assess the squad from front to back, take a look at the latest Premier League statistics and chew the fat over the key issues in a special O2 Arsenal Podcast.
If you're an Arsenal TV Online subscriber, there are a host of exclusive video interviews to watch as Arsène Wenger, Bacary Sagna, Denilson, Manuel Almunia, Gael Clichy, Ray Parlour and Perry Groves - plus a few celebrity fans - give their verdict on the campaign.
With all that, plus the best of the action from the 2007/08 season, there is plenty to see on Arsenal.com this week. We hope you enjoy it.Season Review Week Date Article 23 May 2008 Robson - Why Diaby can fill Flamini void 23 May 2008 Arsenal-supporting celebrities have their say 22 May 2008 2007/08 - The midfielders and the strikers 22 May 2008 Parlour - This team will get much better 22 May 2008 Groves - Too many draws cost us dear 21 May 2008 2007/08 - the keepers and the defenders 21 May 2008 Denilson - We have learned our lessons 21 May 2008 Sagna - I have surprised myself this season 20 May 2008 Clichy - The boss will find what is missing 20 May 2008 2007/08 - the highlights and the lowlights 20 May 2008 Almunia - We can't make excuses this year 19 May 2008 Diaby - I can help us win something 19 May 2008 Stats show big step in the right direction 19 May 2008 Wenger - I'd love to start title race now Copyright 2017 The Arsenal Football Club plc. Permission to use quotations from this article is granted subject to appropriate credit being given to www.arsenal.com as the source


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After looking at sites offer saiga conversions I was surprised at how much they charge for their services. The pieces installed are relatively inexpensive, and the work does not seem so complex as to require 300-400 dollars worth of labor. That being said I was thinking of starting my own saiga conversion business. This is 100% speculation at this point, but I have a few questions.
Would I need anything more than a standard FFL lisence to legally do this?
What would you look for in a quality saiga conversion?
If you have used one of the more expensive services, what did they offer that made the price worth it?
Thanks for your imput. Any and all advice is appreciated.
It's not the price of the parts. It's what you sometimes have to do to them to make them work. I started a .308 conversion today and the Tapco single hook trigger group spring hole was not big enough and had to be drilled. Doesn't sound like a big deal, I let my grunt do it. Three hours later, after welding the sear back where he allowed the drill press to get off and drill through the side, re-tempering and polishing, I had a usable trigger group. Tomorrow I'll TIG up the unused holes and put a finish on the rifle. After it bakes on for 8 hours or so, I'll start assembly and hopefully, everything else will work correctly.
Tapco had a recall on the FCGs with incorrectly drilled disconnecter spring holes and replaced them all N/C. Beyond that, why would you spend 3 hours trying to save a $28 part?
The hardest part of the conversion is getting that little bolt hold open spring in place but if you have a piece of dental floss and pull it down through the bolt hold open hole while getting it in place it works like a charm
Fishing line works great too.but if you have a piece of dental floss and pull it down through the bolt hold open hole
"Government is not the solution to our problem, government is the problem" Ronald Reagan
I found this detailed link for saiga rifle conversion check it out hope this helps I have not done this conversion myself yet Saiga Conversion
I agree I have seen conversions for $1200 or more starting out with a $350 dollar rifle they due look nice but I think take your time might be able to get similar results that's my opinion
It is no longer relevant in many ways, and can confuse people.
• The rifles it demos are not imported any more (many changes have been made to the Saiga since then)
• Some of the laws it references no longer exist
• Magazine availability has skyrocketed for .223 Saigas (no need to sacrifice an East German AK74 magazine any more)
• The guy is showing off his machine shop - no machine shop is necessary for a conversion (and folks get antsy thinking they need $50,000 worth of machinery)
There are many fine modern videos on youtube and vimeo that show how easy a conversion is.
My last conversion took somewhere in the 8-12 hr range to complete. Standard conversion will take you a couple hrs.
Taken from the Red Jacket site with prices from MAA in Itallics:
(Converting your Saiga shotguns/rifles from "sporterized" configurations to pistol grip, assault type configurations)
Front end left original,
old fire control grou holes welded,
accepts hi-cap mags,
922 compliant with G-2 fire control group. (27.22 for trigger)
Price includes all parts and full refinish with Gunkote (20 for a can)
S-12 or Rifle :
Basic Pistol grip/Hi-cap conversion (Pistol grip 10$, Butstock 30$
So you have about 100$ in shipping so you are paying $250 for the labor.
To disassemble and remove the old parts, weld necessary holes, sand blast and paint as well as bake the finish then assemble the gun. Do not forget about inventory the gun in and out plus packing and unpacking.
I also know that Will polishes the trigger group components.
When the smoke clears it is a lot of effort for the 250$. Not saying there is no $ in it. just that it is not as much as most think.
If you decide to go for it then good luck , always good to see new folks jumping in and getting their feet wet.


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text: Thanks for the kind words. It was the middle finger of the left hand. That makes me a handicapped driver in Atlanta. :>) It (and the other fingers that "only" had chewed up flesh) are healing well. I played the guitar until the accident. Now I'm learning to play open tuning with a slide. Could be worse.


text: Around 1964 Tradition began publishing a groundbreaking, prestigious magazine on military uniforms, which went under the title Tradition and following the success of the magazine, the model soldier range and their shop were similarly named. Many leading military authors and artists, past and present, were at the time contributors to Tradition magazine, which ceased publication in 1974. Fortunately, a number of past issues of this famous magazine are still available. Each issue contains many articles on military uniforms and related subjects, fully illustrated in black and white and colour. Download Tradition Magazine Index to find in what Tradition Magazine No. you need!


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|Topic Review (Newest First)
|Choctaw Bob
I have run the McCreary street slicks. They require a burnout to get them soft. When you get them working right they will have fine cracks across the face of the rubber like slicks, like they are rippin the pavement. Drag radials will work better though. The McCrearys are air pressure sensitive. Do some hard starts on clean pavement and adjust the air until you get a uniform patch of rubber.
The guys I know that run Buick GN turbo cars get 1.60 60' times on slicks and drag radials. The cars are heavy enough that you don't have to worry about weight transfer. Just try to limit front end lift so the energy is converted into forward motion instead.
I don't really know about the availability of fiberglas body parts for your 66, I have only seen parts for mine and some other more popular cars, I wasn't really looking, If I remember the link and get bored I will will search and see if there is anything available for you and give you their link through a PM.
I would recommend the 4.10 gear ratio in this case, it will raise the RPM's to a more acceptable level to get you the ET's you are looking for, to get in between the gear ratio's you stated, you can play with tire sizes a little bit to get in between those ratio's but really not all that much with the tires you need to keep some decent traction.
I would completely forget the mention of the Southside Machine bars, they went out of business a couple years ago and there was a HUGE write-up on Maliburacing.com and the owner of the company even became a member to help out, and things just flopped for that company all together, I would do a search over there to see what some of them are using, and some of the recommendations I made are from what I read over there, as those guys are in the know for the amount of guys running the 78-87 A/G body cars on the track.
I am trying to figure a rear gear ratio that will put my car more in the 6500 range at the end of the track. I am just trying to stay in the power band for my car. As it is right now I am crossing the line at about 5300 with the 3.73 right now and that just isn't cutting it for me. I have only seen two gear ratio that they make for my car that I would consider and that is the 4.10 and 4.56. From the calculators I have tried, the 4.10 would put me in the 6000 6100 area and the 4.56 put me right on the mark at 6500. The thing is I know you just can't go by calculators there has to be other factors involved, like converter slip and what not. The car pulls past 6500, actually there is pull all way through 7grand but I am not uneasy with that rpm. Does anyone have an idea what kind of rpm I would really be at the end of the 1/4
with 26 inch slicks and a set of 4.56 rears 3000 max stall. To help out there is a lot of information about my car in the rest of this tread along with track times??
Please hotrodders out there give me some insight>>>>Thank you for your time
|thread stealer. lol
Fiberglass Bumpers
M & M Custom, where you order the plastic bumpers? I have a street/track 66 Malibu and want to lose weight up front.
|well they do require a good burnout and I am sold. I got a 1.745 and ended with a 12.25@110. That is with stock trans and rear, can't wait till I get the rest of the work done and the front suspension done. Thanks for the tip on the burnout. since I have the one Leger I foot-brake it at 2 grand.
|Have you thought about something that adds anti-squat, such as Southside Lift Bars or something along that line?
I was already getting the camera ready. I was discussing that with a friend. I want a back and front shot. All this talking and all I wanted to know Is if anyone had experience with the particular tire. I like the conversasion though. When I get the video I will try to upload for yous. It will be sometime in mid-late april I will be headded to atco. I just got the wheels in 15x8 - 3 1/2 bs Draglites in today. Had to send the msd sparkplug wires back because they sent me the wrorg ones. Getting the cooling system ready and I will be on my way. Just have to figure out what is going to brake first when I finally get that first hard hook-do you want to start taking bets?
So it is anomonous dissision that I have to heat the McCreary l60 (dirt) tires pretty good??
And the air bag thing- I think I rather just go with the race springs.
90/10's or even 70/30's will definitely help you out, have you checked to see if there are more body parts made out of fiberglass, I know I could get both bumpers, hood, front fenders, and trunk lid, for my Malibu if I wanted to go that route.
The reason I mentioned the air bag is if you have much chassis twist when taking off the line, about the only you can determine this is to have someone take a video of your car and look at it closely for front rise, rear drop, and twist, which will cause the right rear to drop more than the left even with the sway bar (which actually helps with this too).
|What front shocks and what valving rates?--regular stock replacements. I quess I should put an order in for some moroso trick front(and rear) springs and adjustable 90/10 type shocks, that is where I quess you were headed with that one.. The front end is probably killing me because of the springs and shocks, being that I ripped the olds 307 and the ac and replaced with a 350 with aluminum heads and fiberglass hood. The 307 so freaking heavy compared to the 350. The front end is just a little higher than the rear which is crazy because I have brand new rear springs in. I quess I am getting to he piont were I have the power, now I need the wieght tranfer.
An air bag inside the right rear coil spring, and play around with the air pressures, start low go up 5 psi at a time until it changes back for the worse.
This is a common practice.
Another big thing would be to lower the frontend if it's too high, at least down to level with the rear if not lower.
EVERYTHING COUNTS, have the alignment checked and set the toe-out to minimum recommended, and make sure it tracks straight with the rear axle.
What front shocks and what valving rates?
|The thing is is that I have been telling people about my trap speeds and they cant understand why I could have a 13.33(total stock ignition). And now with the mods Speed shops and racers that I talk tell I should be getting low 12's with my car if I can get a good hook.
With a 110 MPh trap speed your engine is making some pretty decent power.
I ran a set of these in the past and they do require a pretty decent burnout.
1.80 60ft is what I think I pulled with them. That was quite a few years ago.
good luck....
My last time at the track my best 60' was 2.33 all over the place and ended with a 13.33 @110 I am really trying to get it down. That was then now I have a full msd ignition and 50% underdrive pulley kit. The motor really likes to go.
i was running 245/60/15 street tires with a quick 1into2 smokey burn-out. The car is very aggresive off the line. footbrake and all.
I didn't relize you said drag radial.........
|Carl 66
There's guys running 10 seconds flat 1/4 miles on 235/60/15 BFG drag radials and caltrac bars at Gateway International Raceway.
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Cosy and Comfortable Apartment
Size52 m²
Floor No.
- Internet/WiFi
- Balcony/terrace
- Towels
- Family/child friendly
- Kitchen
- Washer/dryer
Accommodation summary
|Revay Utca, 1065 Budapest, Hungary
|Property type
|Property ID
|Acceptance rate
|Response time
|A few hours
|Calendar updated
|A week ago
This apartment is furnished in a modern Italian style and is fully equipped with attention to comfort and detail. It includes an airy bedroom with a comfortable double bed and a single sofa bed. The warmly decorated living room holds a double sofa bed. Tasty meals based on Hungarian cuisine can be prepared in the kitchen.
Guests can reach the Hungarian State Opera in only 2 minutes on foot. The Opera Metro Station can be found at the same distance. Deak Ferenc Ter is 200 metres away. Just 650 metres away is the stunning St. Stephen's Basilica. Chain Bridge is a 10-minute walk away.
A top recommendation for restaurants in Budapest is Liszt Ferenc Square which is 650 metres away.
House rules
|Price for > 2 guests
|$ 12 US per guest/night extra
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Reviews of this property
Casa in zona centrale e vicino alla metro. Paolo è stato molto gentile e ospitale. La consiglio!
Paolo e Corrado sono stato gentilissimi. L'alloggio è perfetto per due ma 4 amici ci starebbero alla grande! Consigliato assolutamente. Zona ottima.
Très central et près de toutes les attractions touristiques de la ville. Rue très calme. L'appartement et très spacieux et acuillante. Paolo, qui nous a reçu est très sympa et bienveillant et nous a donné des excellents conseilles. Plus de produits de soins serait un plus qu'on aurait apprécié ainsi comme des produits de base comme café et thé. Nous conseillons cette logement. C&K
The apartment is in the best part of Budapest, located very centrally. Many restaurants and bars in the closer area. The apartment is clean and beautiful. There are about 3-4 places to sleep.
To get the keys from the host Paolo was no problem. You call or write him and you arrange a time to meet in front of the house. We have literally nothing to complain about the apartment. We had a great time and after beeing away almost all day it was nice to come back to a nice place like this.
All right.
Perfect location and Italian furniture.
Corrado and Paolo extremely available and provided
great pointers for parking and currency affordable.
Tutto bene.
Posizione perfetta e arredamento all'italiana.
Corrado e Paolo disponibilissimi ed hanno fornito
ottime dritte per parcheggio e cambio convenienti.
Reviews for this host's other properties
My mother and I sadly only spent 2 nights in the amazing flat facing Budapest's Opera house. The rooms were amazing, great lighting, cute interior design, everything thought through. The living room was perfect for a cozy night in (autumn 2015 was crazy cold!) with a nice movie and snacks (East of Eden in our case). The heating was reliable and kept us warm. The Nespresso coffee machine helped us getting up in the morning (the Nespresso shop is right underneath the flat in case you need capsules ;D). There are many possibilities to get food (restaurants, coffee shops, super market) in very close proximity too (we recommend the Hummus Bar! super delicious and so cheap). Oh, and it literally takes you 1 minute to hop on the metro at Opera.
Paolo (Corrado's friend) was so kind and helped us out as much as possible. He even took care or arranging a cab back to the airport.
Gorgeous flat, very friendly owners - go for it!
Our stay in Budapest has been phenomenal. The simple but clean with enough amenities to enjoy stay apartment. It also has a superb location, you can visit the main sights on foot.
Corrado communication and information to reach the apartment was very good and Paolo was always attentive to our demands and very punctual arrival both to leave the apartment. Great hosts !!
Nuestra estancia en Budapest ha sido fenomenal. El apartamento sencillo pero limpio y con las comodidades suficientes para disfrutar de la estancia. Además tiene una situación magnífica, podrás visitar los principales puntos de interés andando.
La comunicación con Corrado y su información para llegar al apartamento fue muy buena y Paolo siempre estuvo atento a nuestras demandas y muy puntual tanto en nuestra llegada al dejar el apartamento. Grandes anfitriones!!
My son (7 years old) and I stayed in this marvellous apartment for a week in March 2015. The location couldn't be better. In the taxi from the airport the driver said that he was taking us to the most prominent address in all of Budapest, and I believe he was right. The metro stop is 10 steps away, the beautiful opera is just across the street, and you have easy access to everything you need and all the tourist attractions.
The apartment is well equipped with home cinema (dvd player etc), Bose loudspeakers, which you can use for your iPhone, washing machine, hair dryer, etc. The bed is 2x2m and of high quality - a bit on the hard side. The ceiling is approx. 7 m high, and the floors are just beautiful. I was worried if we could heat the apartment properly as it was still cold outside in March, but the heating worked just fine - we had it up to 23 degrees celcius without problems. You will feel very comfortable in this apartment, and Corrado is a very reliable host!
- Quality assured accommodation
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Cape Lookout school optimistic about board recommendation
Morehead City - Cape Lookout Maritime High School faces the state board of education today.
The school is trying to have its charter renewed and funding restored for the school.
Staff has been working for free at the school which has about 70 enrolled students.
The school works with at risk teens in Morehead City. Barbara Johnson with the school's board says she is optimistic the school will retain a charter.
Previous Story:
Staff and students at Cape Lookout Maritime School attended school as usual for the first week of the fall semester. However, all is not well in the halls of the school.
Faculty are not sure how the school is going to pay its bills. The State Board of Education decided not to renew the charter for the school, citing financial problems as a contributing factor in the decision.
The high school uses small class sizes and a one-on-one teaching style to benefit at risk youth, kids who don't like large class sizes, or those that need tutors to learn.
"If you have a class of 15 kids, you can [teach] every child," Principal Teresa Parker said. Teens at the school don't want to go somewhere else. "It was either help them, or let them drop out."
A judge is allowing the school to operate business as usual. However, the school is receiving no funds from the Board of Education.
"It's not just about the teachers and their pay. It's about our education." Ciara Heuser said. Heuser is in her senior year at the school. "We chose to be here. It's not like we were made to be here and can't go anywhere else. I chose to come here."
Heuser said the school is her motivation to attend college.
The school is appealing the decision to not be funded.
The judge who is allowing the school to stay in session is not as optimistic about the school getting its charter back.


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|Topic Review (Newest First)
|I know what you mean! My pup was running full throttle at the park playing chase with another dog, he looked to the side when he shouldn't have and ran full speed into a bench. He cried for about 5 seconds and then acted as if nothing happened! I had to do my best not to coddle him while I checked to make sure he was ok, lol.
you and I collide
No really, we did. And it was far less poetic than the song title. Lulu got her fourth month shots today and the doc said light duty so poor Lulu got stuck in a crate for most of the day. Well this evening I let her run around because she was coming out of her skin. I have two agility tunnels and she loves loves loves loves loves these things. So since I knew her activity was going to have to be limited I decided to do the most favorite thing which was run through the tunnels. I went left when I should have went right and we ran into each other and I tripped over her and we fell to the ground.
She yelped like you would expect a German shepherd would yelp and I was covered in mud. The poor thing, she just wanted to play some more but I wasn't sure if she was hurt so we had to come back inside. She didn't appear to be injured once we came back inside but I will still have to check in the morning and make sure that she's not limping or anything.
I know German Shepherd a tough but she's just a baby. I felt so bad.
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