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Financial benefits and an improved public image accrue to states that modernize their tax systems
Florida Department of Revenue
South Carolina Department of Revenue
Federation of Tax Administrators
From data mining to predictive modeling techniques, information technology is an increasingly important tool for state governments that want to improve their tax handling performance by speeding tax processing and boosting tax collections. Such technologies are components of a financial enterprise in which one tax application links to another to produce an overview of individual portfolios.
Tax system modernization could help states cut costs and emerge from years of tight budgets, analysts say.
Spending on tax system technologies will grow from $325 million in fiscal 2005 to about $450 million in fiscal 2009, according to a report released in November 2005 by James Krouse, a state and local government market analyst at Input, a market research firm based in Reston, Va. "The market, however, is poised to grow even more considerably if continued trends in the advancement of integrated tax and accounting systems, electronic tax filing, automated collection, and delinquency/recovery initiatives continue as reported," Krouse wrote.
As states accrue financial benefits via modernized tax systems, experts add that the new investments will help state tax agencies become more customer-friendly, electronically progressive organizations instead of paper-processing factories.
Public and business taxpayers are driving such efforts. "The citizen wants to interact — at least to the extent they want to interact with the government and a tax agency — they want to interact electronically," said Harley Duncan, executive director of the Federation of Tax Administrators, a national membership association composed of the principal state tax collection agencies.
Electronic filing skyrockets Electronic tax filing has grown dramatically during the past few years as state tax administrators strive for quicker processing, improved accuracy and better uses of agency resources. To promote e-filing, states offer incentives such as quicker refunds, free tax preparation software and direct deposits of returns.
The strategy seems to be working. Recent statistics from the Federation of Tax Administrators show that in 40 states and Washington, D.C., 47.9 million people electronically filed individual income tax returns in 2005, about 16 percent more than in 2004. During the same period, paper returns decreased by 8 percent and TeleFile returns declined by 17 percent. Overall, nonpaper filing accounts for 48 percent of all individual income tax returns filed.
Karla Pierce, executive director of Microsoft's tax and revenue public-sector unit, said that in addition to improving customer service, e-filing has helped agency employees shift their focus from processing returns to high-priority tasks, such as finding delinquent taxpayers.
Back-end improvements Some state tax agencies are improving their front end by linking back-end systems, producing benefits that extend beyond the tax department. For example, South Carolina's Department of Revenue launched a business Web portal last May that improved customer service and boosted economic development, said Mike Garon, the department's chief information officer.
Garon said the portal allows business taxpayers to register a new business through an easy process on one Web site. The site automatically sends data to several different agencies, which then authorize the appropriate licenses. Filers can immediately pay one bill with a debit or credit card. Previously, people who wanted to start new businesses had to go to several different agencies to conduct the same business, Garon said.
The South Carolina system processes tax data and approves licenses in real time via Web services and Extensible Markup Language technologies, which enable taxpayers to view their portfolios on the portal. The state paid for the system through a collection fee imposed on property liens rather than through taxpayer funds, he added.
South Carolina is also using a data warehouse to track delinquent taxpayers and those who underreport taxes. Two years ago, the state awarded a five-year, $100 million contract to Revenue Solutions, a company based in Pembroke, Mass., to improve collections by using commercial software to find tax evaders and improve auditing through data mining and predictive modeling techniques, Garon said.
Predictive modeling finds problem payers States are becoming more sophisticated in chasing scofflaws, and some have tried predictive modeling techniques. Such approaches aggregate and analyze data from different sources to determine which groups of taxpayers are more likely to pay a bill and which groups might require further persuasion. The techniques help align collection methods with available resources, experts say.
Ann Rettie, managing partner of Accenture's revenue and customs practice, said insurance companies have used predictive modeling for a while to calculate risk, and financial institutions have used it to get credit ratings on applicants. She said the same general principles apply to public-sector tax revenue.
"If someone misses a payment, it could be just that someone didn't understand the directions, it's a new type of tax for them or they could be a habitual offender," she said. "This kind of data analytics helps you understand that and predict where your problems are likely to be in terms of groups of taxpayers."
Joe Milack, an Accenture director who specializes in compliance and analytics, said such data can help state tax administrators pick the most effective collection approach. "For instance, someone who has a very high likelihood of paying doesn't need much more [than] a collection letter, whereas someone who has a lesser score might need a telephone call," Milack said. "You're not going to overburden the taxpayer with some enforcement action that's not necessary."
States look to integrated tax systems Although new tax collection and filing techniques can significantly add to the bottom line, forward-looking states consider integrated tax systems to be critical to state governments' overall financial health. Integrated tax systems can link revenue systems with budgeting or customer relationship management applications, for example, or integrate financial systems among departments.
South Carolina, for instance, has issued a request for proposals to create an integrated tax system. Garon said the state wants to integrate older systems to provide complete profiles of business or individual tax filers. The system would improve the department's case management operations, allowing auditors to view filers' payments across different types of taxes, correspond with filers and see other documents in real time. "Today, it's very difficult to do that," he said.
Florida has also made strides toward financial systems integration. Several years ago, it installed SAP's accounting and financial software as part of an enterprise resource planning project called the System for Unified Taxation. By linking with a customer relationship management application, the system allows tax agents to summon taxpayers' portfolios on phone calls. Agents see what a taxpayer receives for sales, corporate income and unemployment compensation, and the system also tracks all communications between the agency and taxpayer.
"You can see if he's under audit or if he's under discovery, every single point of contact we've had with that particular taxpayer," said Jim Evers, program director of the Department of Revenue's General Tax Administration. "I think the other states have pieces and parts of it, but they potentially have different systems, fragmented systems. They have to go to one system, log off, go to another system. That's not the way we designed it."
Florida's lawmakers have appropriated about $6 million annually for the department to incrementally upgrade the system. "If you look at the big picture of what Florida has spent, in the neighborhood of about $60 million to $80 million on this particular project," the return on investment has been about $500 million, he said.
What the future holds Experts say the new technologies will let state revenue departments be more flexible and cost-effective in the long run. Agencies will also find it more difficult to sustain the fixed costs associated with processing paper, Milack said. And as e-filing becomes more popular, it is also likely to change the organizational structure of agencies, which traditionally have dedicated as much as 50 percent of their staff to processing paper returns.
The aging of IT workers is another factor pushing tax system modernization because many employees will be eligible to retire in several years. They have a lot of institutional knowledge of systems. Pierce said enterprise architecture is also becoming a major tool tax agencies are using to figure out what works in a system, what can be kept and what should be replaced.
"Once you modernize the back end, you can do a lot more with modeling and data matching, so that will drive different types of technologies," Pierce said. "Then I think that, depending on the ebb and flow of state budgets, different priorities emerge. It's hard to predict in a few years what they will be, but I think it's evolutionary, and the cost of technology will continue to go down."
Tax experts say mobile technology is increasingly playing a role in revenue collection and inspection.
In the past, a field collector might have gone to a local business with printed documents that show the owner owed thousands of dollars in taxes. The owner might have indicated that he could only pay so much per month, and the field collector would have had to return to the office and calculate payments. And if it was more than the taxpayer could handle, the agent would have had to start over.
"With a mobile device that is connected wirelessly, they can compute the payments on the spot and actually enter into an agreement with the taxpayer on the spot and it's done," said Joe Milack, an Accenture director who specializes in compliance and analytics and a former New York state government tax official. "We implemented that type of technology in Arizona, and there was a 15 percent to 20 percent savings in field auditor time."
It increases the efficiency and effectiveness of the field collector and provides much better service, he added. Additionally, a small handheld device is easier to carry than a laptop PC.
"Going out to collect a debt is not always the most friendly and safest way to meet a taxpayer," he said. In New York, "we actually had a situation where a taxpayer chased a field collector back to his car with a two-by-four and dinged the hood. The mobile application we provided in Arizona were [personal digital assistants]. They're handheld, so they don't restrict mobility of the collector, and they have all the functionality they need to do their job and provide better service."
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Top Definition
Said just before taking a shower in which the main reason is more to wash the genitalia than to wash any other part. Can also be used for the instances for men who jerk off in the shower.
Man> Yeah dudes I gotta go wash bag.
anyone else> thanks for telling us... ass!
anyone else> thanks for telling us... ass!
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September 23, 2005
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subset: commoncrawl


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Movie SummaryAlien Girl (Chuzhaya)
Description: Ukraine -- The 1990s -- Amidst a violent clash between two rival gangs, their very existence hinges on a woman named Angela (aka "Alien Girl"), the sister of a gang member who is about to cut a deal with the police. In order to exert influence over him before he testifies, his boss dispatches four of his best hit men, who set off on a trip to Prague to bring Angela back to the Ukraine and hold her hostage. But what starts off as a war between rival gang members and all those standing in their way, soon becomes a game of manipulation, seduction and betrayal in which Angela plays each member off against one other, before becoming the ultimate victor. Movie summaries and listings powered by Cinema-Source
Related Content on Movies from Infoplease:


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That's why I carry a Come-Along and web strapping when I'm expecting some possible deep mud . . . seen way too many ATV winches fail due to the mud and moisture whereas I have yet to see a manual winch fail. Of course it's always better to simply avoid those ATV-eating monster mud holes.
"Courage is not the absence of fear, but the realization that there is something more important than fear."
"Death is only one of many ways to die."
I agree with ya on this one jake, I would much rather not have to rely on a winch, although in some cases they are nice. I picked up a 2ton comealong from NH Bragg today that should do just about any job with no problem. I just couldn't bring myself to spend $600 on something that would only get used when Dave gets stuck....
Once the game is over, the king and the pawn go back in the same box.


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Track List
Album Remarks & Appraisals:
All About Jazz - Larry Taylor
Pianist Kenny Werner, though comparatively unsung, has been appreciated by many since forming a trio in 1981. He is also known for his series of stellar duos with harmonica virtuoso Toots Thieleman. Additionally, he has done yeoman duty with guitarist John Scofield, bassist Dave Holland and saxophonist Joe Lovano, all the while - for more than 20 years - working as arranger and accompanist for singer Betty Buckley.
Me, Myself and I was recorded solo in Montreal, Canada at the small Upstairs Jazz Bar and Grill club, in June, 2012, during the city's renowned jazz festival. Of this engagement, Werner says that the "ideas just kept flowing." He was feeling so good about his playing that he mentioned it to owner Joel Giberovitch, who decided to make a live recording. This is the satisfying result.
From the get-go, Werner's relaxed and lightly swinging style is apparent. Of the seven sides, one is an original; the others are pop and jazz standards. The intimate setting is conducive to long takes - four of them last from 10 to 13 minutes or more - giving ample opportunity to stretch and extend his ideas. ... read more...
Album Notes
Personnel: Kenny Werner (piano).
Liner Note Author: Kenny Werner.
Recording information: Upstairs Jazz Bar & Grill, Montréal, Québec (06/28/2011-06/29/2011).
There are currently no reviews, be the first one!See Also
- Celebration (Lundgaard, Jesper)
- Play Ballads (Jens Sondergaard)
- Collaboration (Oosterhout, Hans Van)
- Celestial Anomaly [Digipak] (Mann, Janis)


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Selena Gomez capped off her 21st birthday week with a visit to "Good Morning America" to headline the show's Summer Concert Series. Gomez rose from below the outdoor stage in New York, clad in baggy black leather pants, a long-sleeved crop top and sparkly wedge sneakers to perform her hit songs "Come and Get It," Slow Down," Love You Like a Love Song," and "Birthday."
Video of the full performance is below, and features Selena doing some of her best Justin Bieber-style mean mugging, crotch grabbing moves.
Speaking of the Biebs, during Selena's brief "GMA" interview, she explained how it is that she stays on such good terms with her ex. "That's because he and I have had such a history together," Gomez explains. "I'll always care about him and protect him if anyone tries to be mean." Aww, poor Bieber. Was somebody mean to you? Good thing Selena has your back, little man.


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Lobbyist Profile: Summary, 2013
Lobbying Firm | Client |
EOP Group | Edison Electric Institute |
Policy Navigation Group | Georgian American Alloys KiOR Inc Styrene Information & Research Center |
NOTE: All lobbying expenditures on this page come from the Senate Office of Public Records. Data for the most recent year was downloaded on April 20, 2015.
Feel free to distribute or cite this material, but please credit the Center for Responsive Politics. For permission to reprint for commercial uses, such as textbooks, contact the Center: email@example.com


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Never Forget -- A Tribute to September 11
There are moments in our lives that forever change who we are, how we think, how we act. Moments that remain a part of us and that we never forget. Ten years ago, September 11 became one of those moments. A moment in American history that struck the heart of our entire nation.
Each of us has a different story to tell. Where we were. Who we were with. The emotions we felt. A story that hits home. While the world stood still, we lost parents, children, a part of our nation. In a matter of a few horrifying hours, America lost her innocence. Our world was forever changed.
What started out as an ordinary day, suddenly turned into a day of shock, horror, fear, uncertainty, anger, regret, loss. Those who maintain power and control through fear will stop at nothing to control those who yearn to be free. So America learned on that cool, crystal clear morning as terrorists put their long planned attack on our country in motion. The terrorists most certainly expected reactions from confusion, rumors, and fear; however, what they did not account for on that September day was that rumbling of the collapse of the Towers would awaken a spirit from inside Americans that had been sleeping for 60 years.
Although the images are seared into our minds, we never lost hope and our hearts courageously rose up as one voice. On that September morning, we saw the very face of evil -- an unthinkable attack on American soil. However, in these darkest hours we saw the very best of mankind and felt the presence of God. New York City Firemen ran into burning buildings to save strangers they had never met and whose names they did not know. Office workers carried dust-covered colleagues down stairwells, impeding their own progress to safety. Passengers of FLIGHT 93 charged a locked cockpit and confronted hijackers. An Army officer pulled melting file cabinets off of a badly burned woman and carried her to safety. Thousands lined up at blood banks in Northwest Florida to help the wounded. Young men and women all across the country signed their name on the line and put on this country's uniform.
As the Pentagon burned, a field in Pennsylvania smoldered, and the Twin Towers fell, the spirit of America rose. Neighbors helping neighbors. Friends helping friends. Complete strangers helping each other. It did not matter the color of their skin, the content of their character or even their religion. That day we were all Americans hurt by those who despised our very way of life. What the terrorist did not know is the strength of America is not measured by the wealth it has or the technology it develops. Our strength comes from shared values. Generations of families have rallied around the values of independence, hard work, duty to country and faith in God. The attacks of 9/11 were a test of our strength, and we stood tall.
Ten years may have gone by, but just as we will never forget that day, we must never forget those who have sacrificed their lives to ensure that our enemies never enter our home or step foot on American soil again. Over the past decade, I have traveled to visit with our servicemen and women fighting the War on Terror abroad in Iraq, Afghanistan, and numerous military installations, who defend our shores here at home. These men and women, many of whom were youngsters on September 11, signed up and said "send me." They are our best of our best – sacrificing the comforts of home to ensure we remain safe. Here at home, our veterans continue in the mission they signed up to do years ago, helping their fellow citizens and local communities cope with being a nation at war. We have witnessed these acts of kindness every day since September 11. We must not let time erode the unity and the compassion we all experienced that September morning.
It is important that we continue to remember and reflect. While we may still struggle to understand the tragedy that happened, it's vital that we share the stories of 9/11 with the next generation. Brand new freshman that started high school just a few weeks ago, probably do not have a memory of the events of that day. It is important that we share what happened that day first hand so that future generations never forget the astonishing events of 9/11.
Each day that passes, we reaffirm to the world our resolve, our faith in liberty for all, and most important, that the United States will never bow to acts of cowardice or intimidation. This is not an America in decline, but an America that is strong, an America that will fight, and an America that will win. America will prevail just as we have prevailed over the last 235 years.
May we continue to hold this day in solemn remembrance of those we have lost on that tragic day for years to come so that generations ahead too are reminded that freedom is precious and does not come without a price. May the nearly 3,000 souls we lost rest in peace. May their families find comfort in prayers and know that justice will be served. May Godspeed the millions of men and women – the warriors – who have defended our great Nation for more than 200 years, who have made the ultimate sacrifice, and those who continue to protect us both here and abroad. And may God continue to bless the United States of America.


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LINCOLN – S. Colin Palm, Bellevue; Jenniffer A. Panko-Rahe, Syracuse; Michael A. Smith, Springfield; Vicki L. Adams, Stefanie A. Martinez, Christopher M. Perrone, Thomas P. Strigenz, George A. Thompson, all of Papillion; Stephanie R. Hansen and Julie A. Martin, both of Omaha, have submitted applications for appointment as County Judge in the 2nd Judicial District consisting of Cass, Otoe, and Sarpy Counties. The primary place of office for the judicial vacancy is Papillion, Sarpy County, Nebraska. The vacancy is due to the appointment of Judge Jeffrey J. Funke to the District Court bench.
The public hearing of the Judicial Nominating Commission will be held in County Courtroom #2 at the Sarpy County Courthouse, 1210 Golden Gate Drive, in Papillion, Nebraska, beginning at 10:00 a.m. on Thursday, November 21, 2013. The Commission will review all applicants for the office at that time. The public is welcome to attend the hearing and present information concerning candidates for the judicial opening.
A listing of the members of the Judicial Nominating Commission can be found on the Nebraska Judicial Branch Web site at http://supremecourt.ne.gov/2593/second-district-county-district-court.
For special accommodations relating to the Americans with Disabilities Act, please call (402) 471-3730. For persons with hearing impairments, please call the Nebraska Relay System, 7-1-1. AA/EOE.


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With the re-election of President Obama, there has been speculation that Ed DeMarco, head of the Federal Housing Finance Agency, will be fired and replaced with a more administration-friendly ally who will more aggressively push for principal reductions and forgiveness, among other ideas. Subsequently, agency mortgages such as Fannie Mae and Freddie Mac bonds have sold off somewhat dramatically (well, dramatically in "bond world"). Agency bonds typically trade at premiums to par value. Any forced prepayments or refinances would mean these premium bonds trade down to par, and investors would lose the premium (around 4%-7% depending on the bond).
Also, there is speculation that the tax rate of dividends will go from 15% to 43.4% for top earners if policy makers can't come to a conclusion prior to the fiscal cliff. While mREITs have always been taxed at ordinary income, they may be lumped in with high dividend paying models that money may be flowing out of. To a lesser extent, there may be some selling of the mortgage REITs (mREITs) due to their strong performance over the past year to lock in lower capital gains rate.
It is our assumption that the recent sell-off in all mREITs is due to adjustments in assumptions going forward, and not any structural change in the fundamentals of Apollo Residential Mortgage (NYSE:AMTG). We have the opportunity to purchase AMTG at a discount to book value and a 17.5% dividend yield.
What is book? AMTG targets 60% in agency, 30% in non-agency, and 10% in cash. Its current portfolio looks more like 63/22/15. That's right: AMTG has 15% cash. Some of this cash is used as margin for the leverage, but it is the most liquid mREIT, which gives it a great opportunity to use this cash to buy bonds on the cheap as prices come in. In addition, the 63% agency position that is called into question has pre-payment protection, so any policy change with regard to forced refinancing would leave AMTG's portfolio relatively unaffected.
What's more, the housing market has shown some strong signs of finding a bottom. Housing prices in many communities are starting to creep up, inventory is starting to move, and foreclosures are dropping. The market for agency bonds should have a floor under it. The Federal Reserve announced QE3 this past September. Under this plan, it has the ability to purchase $40 billion in mortgage-backed securities every month.
AMTG is managed by ARM Manager LLC, an indirect subsidiary of Apollo Global Management LLC. It has an experienced management team including Michael A. Commaroto, who serves as CEO and has over 25 years of experience in the mortgage market, and Stuart A. Rothstein, who serves as CFO. It will also draw on the extensive transactional, financial, managerial, and investment skills of Apollo Global Management's private equity, credit-oriented capital markets and real estate investment professionals.
I doubt the opportunity to purchase AMTG at these levels will last too much longer once the weaker retail inventors have panicked out of this technical decline. Let's also not forget that this administration has bigger fish to fry with the fiscal cliff. So DeMarco might have a job for at least a few months longer. In the meantime, we are happy to pick up shares at this attractive rate.
Other mortage REITs to consider include:
- Two Harbors Investment Corp. (NYSE:TWO) -- 14% Yield
- Annaly Capital Management (NYSE:NLY) -- 14% Yield
- New York Mortgage Trust (NASDAQ:NYMT) -- 19% Yield
Disclosure: I am long AMTG. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it. I have no business relationship with any company whose stock is mentioned in this article.
Disclaimer: This discussion is for informational purposes and should not be taken as a recommendation to purchase any individual securities. Information within this discussion and investment determination of the author may change due to changes in investment strategy when warranted by changing market conditions, or if a security's underlying fundamentals or valuation measures change. There is no guarantee that, should market conditions repeat, this security will perform in the same way in the future. There is no guarantee that the opinions expressed herein will be valid beyond the date of this presentation. There can be no assurance that the author will continue to hold this position in companies described herein, and may change any of his position at any time. We use or best efforts to obtain good data in our models, however it can't be guaranteed that our inputs and data are correct. This is not a recommendation for readers to purchase shares in the above security without consulting your financial professional to discuss your own risk tolerance and objectives.


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Like truthless dreams, so are my joys expired, And past return are all my dandled days; My love misled, and fancy quite retired— Of all which passed the sorrow only stays. My lost delights, now clean from sight of land, Have left me all alone in unknown ways; My mind to woe, my life in fortune's hand— Of all which passed the sorrow only stays. As in a country strange, without companion, I only wail the wrong of death's delays, Whose sweet spring spent, whose summer well-nigh done— Of all which passed the sorrow only stays. Whom care forewarns, ere age and winter cold, To haste me hence to find my fortune's fold.
Provide your analysis, explanation, meaning, interpretation, and comments on the poem Like Truthless Dreams So Are My Joys Expired here.


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Charitable donations up, but so is need
CHARLESTON, W.Va. -- Covenant House has had almost 10,000 more client contacts this year than just two years ago, the organization's executive director said.In 2010, Covenant House -- a day shelter in Charleston that serves as a safe haven for people dealing with homelessness -- had 30,661 client contacts, compared to 40,000 this year. However, the individual contributions - the number of people who donated money -- have increased 190 percent in just the last year, according to executive director Ellen Allen.Charitable donations made to some nonprofit organizations in the Kanawha Valley seem to be up this year, but so is the number of people needing assistance, nonprofit officials say.Donations, especially clothes and food, also are up this year at Covenant House, Allen said.
"Our donations are up quite remarkably from the previous year. The community has responded and we are really blessed," Allen said. "It means that we will be able to buy coats for children and work with utility companies to help somebody pay their bills."Smaller monetary donations made to Manna Meal increased in 2012, said Jean Simpson, executive director of the soup kitchen that serves two meals a day in downtown Charleston."We've ended up with a lot of people sending a small amount - $20, $50, $100 or $10 -- but with that it created quite a bit of money," Simpson said.And even though Manna Meal is receiving more donations, Simpson said she has seen an increase in the number of people who need a hot meal."Normally we have about 130 [people eat] on Christmas Day and this year we had 180, which surprised me," Simpson said. "I didn't see a lot of families, I saw more single men and woman eating. We used to basically just be feeding the street people, now we're feeding low-income service workers."Admitting that the charity is doing well is something that scares Simpson.
"It's difficult to talk about if I tell the truth," she said. "People will say, 'Well, we don't need to send money. They're OK.'"Likewise, Allen said, "We don't want people to quit donating but we want to acknowledge their generosity."While the Charleston community is largely supportive, Covenant House wouldn't get by without the generosity of businesses and churches, Allen said.About 30 different churches help out by making hygiene bags for homeless people and organizing food drives.TRG Enterprises hosted a food drive within the company that collected 3,700 pounds of food, Allen said. Another local business, One Stop, hosted a food drive, too, that brought in more than 1,000 pounds of food.
Earlier this year, The Greenbrier resort donated 150 toys to Daymark, an organization that advocates and provides support and shelter for at-risk youth and their families, said Vicki Pleasant, the shelter's executive director.Pleasant said Daymark, which is on Charleston's East End, sees an increase in donations every year because "when more people learn about programs such as Daymark, they understand the need for young people."The shelter sees an increase in donated items such as blankets, towels, coats, boots, school supplies, and hygiene items during the holiday season, she said."I truly believe that there continues to be a large number of people who are very caring and want to do things that help others," Pleasant said. "While the economy isn't where we'd like it to be, I don't think that stops people in the community from caring about others."While many local nonprofits are getting what they need to provide for an increase of those who need help, some are struggling to meet the demand."People just don't have as much to give," said Tammy Scott, director of development with the Union Mission in Charleston. "They still give, but they don't have as much."
Scott also has noticed that the number of people who need the Union Mission's services has risen in the past year."There's definitely more people in need with this economy. A lot of people are coming for the first time," she said.This year's storms also have strained the Union Mission's budget, Scott noted."We've definitely had to make some major changes to tighten the budget."The Mountain Mission is also struggling for donations, said its executive director John Roberts."They're drastically down," Roberts said. "I don't know an exact percentage, but I think I can be fair in saying donations are probably 20 to 25 percent off from what they were last year.""The needs are outpacing the donations we are getting," said Donna Hawkins, executive director of the Gabriel Project, which provides support to pregnant women and families with infants up to 2 years old."We are seeing people coming to us saying that they have never had to ask for help before, so I think the general economic state is creating problems."Reach Megan Workman at email@example.com or 304-348-5113. Reach Kate White at email@example.com or 304-348-1723.


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I just wanted to commend Lebanon Tourist & Convention Commission director Chris Hamilton for taking the time to sit down and talk with me last week. I really enjoyed my time in Lebanon. Lisa at Kentucky Cooperage gave me a really good tour. It appears that Lisa really enjoys her job and the people she works with. The brochures given to me were also excellent.
Daniel Baker
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An estimated four and half percent of state and federal inmates are reporting being sexually victimized -- That's according to a report released Sunday by the Bureau of Justice Statistics.
Inmates were surveyed in 146 prisons, including two in Nevada.
At the Florence McClure Women's Correctional Center, 7.7% are estimated to have been sexual victimized. At the Southern Desert Correctional Center, the figure is 5.8%. The Nevada prisons' stats are higher than the national figure: 4.5%.
According to an author of the study, sexual victimization included everything from unwanted touching to rape.
Nationally, for every 1,000 prisoners, the report estimates there are 56 incidents of non-consensual inmate on inmate acts.
The Nevada Department of Corrections released a statement saying improvement is needed. It continues to state: "the allegations identified in the survey vary substantially from those reported to the Department. As indicated in the report, we cannot tell if inmates are under reporting to us because of fear, or over reporting to the commission because they are not identified."
The lead author of the report says the statistics collected will be provided to a federal commission -- that group will eventually develop protocols for prisons to reduce occurrences of abuse.
4.5% of Inmates Estimated to have been Sexually Victimized
By JH |
Posted: Mon 12:37 AM, Dec 17, 2007
Updated: Mon 12:44 AM, Dec 17, 2007


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Men and Tea (video)
I just found this video online and had to share it. It's the most ridiculous video I've ever seen in my life, but it's about tea, so maybe you will enjoy it ;)
Definitely not safe for work, unless your work doesn't mind F-bombs flying around.
Let me know what you think if you watch it! (2 minutes long).
http://www.youtube.com/watch?v=sxtRGEVsSOc&feature=youtube_gdata_playerA friend of mine posted that to my Facebook page a couple weeks ago. My favorite part is when he carefully sips from the snowman mug.
Lol I love this every time I see it… Yes, it was posted in another thread couple of days ago…
Oops! sorry for reposting! Glad you guys like it, though (it'd be worse if I reposted something you hated!!)
I posted it in the humor thread. But it's so funny it doesn't matter how many times it's posted! :D
This makes me sad that www.manteas.com never did much more than offend a few people. I thought it was a fun idea. Oh well.
I liked it. I loved the teapot (well, not literally of course, but, you know…). I'm much too old to be politically correct.


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16248 – Mr Bansilal Khandelwal – x 3 pax – 9425060013
Thailand 7NIGHTS /8 DAYS
Bangkok + Phuket + Krabi
1st Aug Indore – Mumbai – Bangkok
Take A flight from Indore at 16.40PM. Reach Mumbai Airport at 18.00Pm. Take flight from Mumbai at 01:50Am.
2nd Aug Bangkok –Phuket
Reach Bangkok at 7:45 Am. Take a Flight for Phuket at 11.40 Am. Reach Phuket at 12.20.PM. Transfer to Hotel. Check in at Hotel. Relax yourself. Later In the Evening Enjoy the Fantsea Show with Dinner in the evening by SIC Transfer. Which is inspired by Thailand's rich and exotic heritage, and not only showcases the charm and beauty of Thailand, but also enriches ancient Thai traditions with the wonder of cutting-edge technology and special effects. Overnight at the Hotel Centra Karon Resort (D)
3rd Aug In Phuket
After Breakfast enjoy the Phi Phi Island tour by Boat Transfer. With Thai Lunch. Phi Phi Islands are famous for its limestone cliffs rising sheer out of the emerald green waters, white powdery beaches and its many coral reefs offering great diving and snorkeling.Evening will be at your own leisure at Patong Beach. Overnight at the hotel. (B/L)
4th Aug In Phuket
After Breakfast Leave for Half day city tour by Private Transfer. Enjoy the Phuket Island's natural beauty as you are driven along beach roads through Patong, Karon, Kata and Rawai. Rest Evening Free at your own to enjoy the beautiful beaches of the Phuket. Overnight at the Hotel (B)
5th Aug Phuket – Krabi
After breakfast checkout from hotel & transfer to Krabi by Private transfer at 9.30AM. Reach Krabi at 11.00AM. On arrival Visit Tour of Four Island – Kohpoda, Kokhai (Chicken island), Kohtap & Railay Bay by boat with Lunch on PVT Basis. Enjoy expect plenty of sun, a rich variety of corals and fish, crystal-clear waters and white powdery beaches lined with coconut palms Later & Evening will be at your own leisure. Enjoy the beach & shopping. Overnight at the Hotel Peace Laguna Resort (B/L)
6th Aug In Krabi
After breakfast leave for Full day Visit half day Jungle Trekking Tour on Elephant Ride with Lunch on SIC basis. Travel by Elephant is a great way to travel without disturbing the wildlife and birds and you'll get to see and hear more. Overnight at the Hotel. (B/L)
7th Aug Krabi – Bangkok
After breakfast check out from the Hotel by Private Transfer at 9.30Am & Take flight from Krabi to Bangkok at 10.50AM. Reach Bangkok at 12.20PM. Pickup from the Bangkok DMK Airport & transfer to Hotel. Check inn hotel. Visit Bangkok City & Temple Tour on Private Transfer. Evening Enjoy the Shopping at Indra Market & MBK Mall. Overnight at Hotel Indira Regent (B)
8th Aug In Bangkok
After breakfast leave for Safari World with Lunch. By Sic Transfer. Thailand's greatest open Zoo & leisure Park that offers a great variety of Entertainment for everyone. Evening will be free for Shopping at your own. Overnight at the hotel. ( B/L)
9th Aug Bangkok – Mumbai
After breakfast Check out from hotel. Day free for Shopping . Transfer to Airport at 6.00Pm by Pvt basis. Take flight from Bangkok at 20:50 PM. Reach Mumbai at 23:40 PM.Journey ends with Happy Memories. (B)
Total Land Cost is Rs. 33,800/- per person
- 07 Nights Accommodation in Thailand (2nights BKK & 3 nights HKT & 2nights Karabi).
- Hotel Accommodation as mentioned Property on Double / Triple sharing basis
- Daily Breakfast
- Rest Meals as per Itinerary.
- All transfer by SIC Basis + Private basis as per Itinerary
- Sightseeing as per above tour plan
- Thailand Visa cost – 2600/- per person
- Lunch & Dinner
- Any items of personal nature viz telephone, beverages, laundry, tips gratuities etc.
- Any other Sightseeing & Entry Fees which is not Included in above tour plan
- Any other services that is not shown in the list of inclusion above
Vipul Shah
9300828103 / 07314236622


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UConn: No plans to cut ties with unhappy $7M donor
UConn: No plans to cut ties with unhappy $7M donor
University of Connecticut officials have no plans to cut ties with a major donor who has demanded the return of $3 million because he felt he was not adequately consulted in the hiring of a new football coach. Interim UConn President Philip Austin and Board of Trustees Chairman Lawrence McHugh told the Hartford Courant that they had phone conversations with the donor, Robert Burton, on Tuesday. Speaking to reporters before a board meeting Wednesday, McHugh said he hopes the school's relationship with Burton, who has given more than $7 million to the school, will continue. "We're going to try to move forward," he said. "I'm definitely going to have further conversations to reinforce the support the Burtons have given the university in the past. Hopefully, over one issue, everything isn't destroyed." Burton, chief executive officer of Greenwich, Conn.-based Burton Capital Management, had apparently counseled against hiring Paul Pasqualoni as coach. In his Jan. 19 letter to UConn athletic director Jeff Hathaway, he said his opinions were ignored and he was not kept informed of the search process. He also demanded that his family's name be removed from the school's football training complex. Burton, whose son Joe played for Pasqualoni at Syracuse from 1997 to 2001, called the situation "a slap in the face and embarrassment to my family." He said he planned "to let the correct people know that you did not listen to your number one football donor. "We want our money and respect back," Burton wrote to Hathaway. Burton, who played college football at Murray State, said although he was not seeking veto power in the hiring, he "earned my voice on this subject" as the program's top donor. He said he has hired lawyers to enforce his demand to get his donations back. Austin expressed support for Hathaway and how he handled the hiring of Pasqualoni. "The search for a very high-visibility position is always complex and people have very strong points of view," Austin said. "I'm comfortable with the process as it unfolded." |
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K › Kinney - Fold3.com
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Massachusetts Printed Vital RecordsTranscribed vital events recorded from town and church records, cemeteries, and private sources; arranged by birth, marriage, and death, and alphabetically by family surname within each section. Each town is published in a separate volume. These are not indexes, but actual records relied upon by historians, genealogists, and lineage societies for decades as an appropriate resource for documenting family and community histories in Massachusetts.
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/PRNewswire/ -- Lockheed Martin (NYSE: LMT) rolled out the first of a new fleet of HC-130J combat rescue tankers for the U.S. Air Force's Air Combat Command (ACC) during a ceremony here today. Maj. Gen. Thomas K. Andersen, director of requirements, Headquarters ACC, spoke at the ceremony.
"Personnel recovery is one of the Air Force's core missions and vital to what we do in defense of America. The mission is demanding and we are grateful to those [employees] of Lockheed Martin assembled here that have given us a world-class aircraft ready for the demands of the mission," Andersen said. "The HC-130J will enable us to meet the expanding operational tasks that we face today - wartime operations in Operation Enduring Freedom and the Horn of Africa, and relief operations in the continental United States as well as in areas like Haiti and Chile. For that, ACC, the Air Force and the nation thank you."
Lockheed Martin is contracted with the U.S. Air Force to build 21 C130J Super Hercules to replace aging fleets of combat search and rescue HC-130s and special operations MC130s. The U.S. Air Force is authorized to acquire up to 31 HC/MC130Js (11 HCs and 20 MCs).
"Yet again, we see the C-130 setting new standards for mission flexibility," said Ross Reynolds, Lockheed Martin vice president for C-130 programs. "This new configuration of the proven C-130J will give ACC unparalleled capability for combat search and rescue. As demand for the C-130J continues to grow around the world, we will see more ways this aircraft can meet the demands of any operator and mission."
The new aircraft, which is based on a KC-130J tanker baseline, will have the Enhanced Service Life Wing, Enhanced Cargo Handling System, a Universal Aerial Refueling Receptacle Slipway Installation (boom refueling receptacle), an electro-optical/infrared sensor, a combat systems operator station on the flight deck, and provisions for the large aircraft infrared countermeasures system. In-line production of this configuration reduces cost and risk, and meets the required 2012 initial operational capability.
Headquartered in Bethesda, Md., Lockheed Martin is a global security company that employs about 140,000 people worldwide and is principally engaged in the research, design, development, manufacture, integration and sustainment of advanced technology systems, products and services. The Corporation reported 2009 sales of $45.2 billion.
Fayette Front Page
Georgia Front Page
Follow us on Twitter: @GAFrontPage


text:
Sarah Van Sickle, lovingly known as Sarah the Beauty Hunter to all of us, is a passionate young woman who won't stop at anything to achieve her dream. As an All-SEC soccer player for the University of Tennessee, Sarah pursued and obtained a bachelor's degree in Exercise Science/Kinesiology. She now spends her days helping women get more fit and healthy, both inside and out, as well as personal training at Johnny Long's Training Academy.
She founded the Beauty Hunter movement in May 2012, which aims to redefine the way women perceive their own beauty and self-worth through physical fitness and a strong community. Sarah is an Under Armour Brand Ambassador, as well as a Billy Lush Paddle Sports ambassador and team rider. She has recently become one of 21 finalists out of over 200 east Tennessee women nominated to receive the 2013 YWCA "Woman of the Year" award, a very prestigious honor. In all reality, the best way to get to know Sarah is to let us show you; so enjoy the following videos:
Video Credits: Edited by Red Tettemer Advertising in conjunction with Under Armour for their "What's Beautiful" campaign. [September 2012]
Video courtesy of UT sports marketing, [October 2012]


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The arrival in town of Legendary characters has wreaked havoc with the balance of power. New Giants are entering the lists, while Divine Beings are finally reaching Eternity!
From now on, players who have all the available characters and all the Legendary characters will move up to the Colossus ranking, while players with all the game characters, including Legendary ones, will move up to the Eternal ranking.
To find out more about the different ranks: http://www.urban-rivals.com/game/rules.php?show=ranks
I lost my colossus and i have all the cards + legendaries but it say legend :O
You own 671 Characters out of a total of 718 Characters (inc. 56 Collectors): 102% of the available Collection.
Your Collection makes you a Legend.
Maybe because you don't have the new cards?
For colossus you need to have all the cards availabe in the shop, not the collection above 100%.
@PS_Devil : If you have 100% of the cards available in the shop and all legendary cards and still don't get the colossus rank try puting a CR card on sale ( like Terry Cr for 50k and then cancel the sale) it worked twice for me and yeah it should be fixed cause it's kinda annoying.
@ PS Devil : Post #17
-HL- mingau - Legend - Fellowship of Chocolate Cookies
Saturday 09/04, 23:57
There is some kind of bug on colossus rank. If you have ALL the cards needed (and you're still legend), select a collector that you have only 1 copy, sell it on the market for a high price and cancel the sale. Your rank should update now.
Hope it helps
Have some patience, there is a delay from when you achieve colossus status to it showing up against your name. It took approx 48 hours for my status to change on both the occasions that I have been 'colossus'
Guys what if look at this i dont know whats happen but tell me what the problem
379 of 771 available characters (49%) and 7 of 62 collectors (11%)
50% of total collection
The collectors are not taken into account when working out the total % of your collection. The missing 1% is probally just a small difference between the programs which works out the %.


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Induction Chemotherapy Using Doxorubicin and Cisplatin Followed by Combretastatin A4 Phosphate and Radiation Therapy in Treating Patients With Newly Diagnosed Regionally Advanced Anaplastic Thyroid Cancer
- Full Text View
- Tabular View
- No Study Results Posted
- Disclaimer
- How to Read a Study Record
RATIONALE: Drugs used in chemotherapy, such as doxorubicin and cisplatin, work in different ways to stop tumor cells from dividing so they stop growing or die. Radiation therapy uses high-energy x-rays to damage tumor cells. Combretastatin A4 phosphate may stop the growth of cancer by stopping blood flow to the tumor. Combining doxorubicin and cisplatin with radiation therapy and combretastatin A4 phosphate may kill more tumor cells.
PURPOSE: This phase II trial is studying how well giving induction chemotherapy using doxorubicin and cisplatin together with radiation therapy and combretastatin A4 phosphate works in treating patients with newly diagnosed regionally advanced anaplastic thyroid cancer.
Condition | Intervention | Phase |
Head and Neck Cancer |
Biological: filgrastim Biological: pegfilgrastim Drug: cisplatin Drug: doxorubicin hydrochloride Drug: fosbretabulin disodium Radiation: radiation therapy |
Phase 1 Phase 2 |
Study Type: | Interventional |
Study Design: | Intervention Model: Single Group Assignment Masking: Open Label Primary Purpose: Treatment |
Official Title: | Phase II Trial of Combined Modality Combretastatin A-4 Phosphate (CA4P)-Based Therapy for Patients With Newly Diagnosed Anaplastic Thyroid Cancer [Induction Chemotherapy With Doxorubicin/Cisplatin; Combined Modality Therapy With CA4P and Radiation; Followed by 2 Cycles of CA4P Consolidation] |
- Median survival [ Time Frame: at months 2, 4, 6, 8, 10, 12, 15, 18, 21, 24, 27, 30, 33, and 36 ]
- Objective disease response [ Time Frame: at the end of induction, combined modality therapy, and consolidation therapy, at 2 months after completion of consolidation therapy, at 2 month intervals during year 1, and then 3 month intervals during years 2 and 3 ]
Enrollment: | 4 |
Study Start Date: | November 2003 |
Study Completion Date: | December 2007 |
Primary Completion Date: | February 2007 (Final data collection date for primary outcome measure) |
Biological: filgrastim
- Combretastatin A-4 Phosphate
- Determine the objective response rate in patients with newly diagnosed regionally advanced anaplastic thyroid cancer treated with induction chemotherapy comprising doxorubicin and cisplatin followed by combretastatin A4 phosphate (CA4P) and radiotherapy.
- Determine whether this regimen alters the natural history of anaplastic thyroid cancer by virtue of doubling the median survival of these patients from 10 to 20 months.
- Determine a tolerable dose of CA4P when administered with radiotherapy in these patients. (Phase I portion of the study closed as of 5/6/04; patients now receive a fixed dose of CA4P)
- Determine the safety profile of this regimen in these patients.
- Determine clinical predictors of response (e.g., pretreatment tumor microvessel density and immature vessel staining, changes in sICAM-1 levels and tumor blood flow, and pharmacokinetic parameters) in patients treated with this regimen.
- Correlate the diminution in blood flow with tumor pain and response in patients treated with this regimen.
OUTLINE: This is a multicenter study of combretastatin A4 phosphate (CA4P). (Phase I portion of the study closed as of 5/6/04; patients now receive a fixed dose of CA4P)
- Induction phase: Patients receive doxorubicin IV over 5-10 minutes and cisplatin IV over 30-60 minutes on day 1. Patients also receive filgrastim (G-CSF) subcutaneously (SC) on days 3-21 or pegfilgrastim SC on day 2.
- Combined modality phase: Beginning on day 22, patients undergo radiotherapy twice daily, 5 days a week, for 3-4 weeks. Patients also receive CA4P IV over 10 minutes weekly on the fifth day of radiotherapy.
Cohorts of 6 patients receive 1 of 2 escalating doses of CA4P to determine a tolerable dose. The tolerable dose is defined as the dose at which less than 2 of 6 patients experience dose-limiting toxicity. (Phase I portion of the study closed as of 5/6/04; patients now receive a fixed dose of CA4P)
- Consolidation phase: Beginning 4-6 weeks after the completion of the combined modality phase, patients receive CA4P IV over 10 minutes on days 1, 8, and 15. Treatment repeats every 28 days for 2 courses.
Treatment in all phases continues in the absence of disease progression or unacceptable toxicity.
Patients are followed every 2 months for 1 year and then every 3 months for 2 years from study entry.
PROJECTED ACCRUAL: A total of 33 patients will be accrued for this study within 18 months.
Ages Eligible for Study: | 18 Years and older (Adult, Senior) |
Sexes Eligible for Study: | All |
Accepts Healthy Volunteers: | No |
Histologically confirmed anaplastic or poorly differentiated variant thyroid carcinoma of either of the following:
Regionally advanced disease
- Confined to the neck and/or superior mediastinum (i.e., above the level of the carina)
- Measurable or evaluable* disease
- Completely resected disease without measurable or evaluable disease NOTE: *At a minimum, abnormalities on physical exam or radiographic studies that may not be precisely measured but readily followed
Must have original/diagnostic tumor blocks available to confirm histopathology and for tumor microvessel density immunohistochemistry
- Patients with no available original/diagnostic tumor blocks must have tumor accessible for pretreatment needle core biopsy
- Must undergo indirect and direct laryngoscopy to ensure patency of the trachea/airway if deemed inoperable, with bulky thyroid/neck masses and/or suspicion of airway obstruction
No distant metastases, including but not limited to, brain metastases, disease below the level of the carina, pulmonary parenchyma, and hepatic or bony metastases
- Superior mediastinal disease (i.e., above the level of the carina) in addition to regional neck disease is allowed provided the disease can be contained in a single radiotherapy port
- 18 and over
Performance status
Life expectancy
- At least 12 weeks
- Absolute granulocyte count ≥ 1,500/mm^3
- Platelet count ≥ 75,000/mm^3
- Hemoglobin ≥ 8.5 g/dL
- Bilirubin ≤ 1.5 mg/dL
- ALT and AST ≤ 3.5 times upper limit of normal
- Creatinine ≤ 1.5 mg/dL
- LVEF ≥ 50% by echocardiogram
- EKG normal
- No prior angina
- No prior myocardial infarction (e.g., significant Q waves), QTc > 450 msec, or other clinically significant abnormalities on ECG
- No congestive heart failure
No uncontrolled atrial arrhythmias or clinically significant arrhythmias, including any of the following:
- Conduction abnormality
- Nodal junctional arrhythmias and dysrhythmias
- Sinus bradycardia or tachycardia
- Supraventricular arrhythmias
- Atrial fibrillation or flutter
- Syncope or vasovagal episodes
- No significant heart wall abnormality or heart muscle damage by echocardiogram
No uncontrolled hypertension (i.e., blood pressure consistently greater than 150/100 mm Hg irrespective of medication)
- Hypertension is allowed provided there is clinical documentation of controlled blood pressure for 2 months before study entry
- No symptomatic peripheral vascular disease or cerebrovascular disease
- Not pregnant or nursing
- Negative pregnancy test
- Fertile patients must use effective contraception
- No uncontrolled hypokalemia or hypomagnesemia
- No concurrent serious infection
- No other nonmalignant uncontrolled medical illness or one whose control may be jeopardized by the complications of study therapy
- No grade 2 or greater pre-existing motor or sensory peripheral neuropathy
- No psychiatric disorder or other condition that would preclude study compliance
- No conditions associated with QTc prolongation
Biologic therapy
- No concurrent biologic therapy
- No concurrent immunotherapy
- No prior chemotherapy
- No other concurrent chemotherapy
Endocrine therapy
No concurrent hormonal therapy, except for the following:
- Gonadotropin-releasing hormone agonists for patients with hormone-refractory prostate cancer
- Hormone replacement therapy
- Oral contraceptives
- Megestrol for anorexia/cachexia
- No prior radiotherapy
- No concurrent radiotherapy
- See Disease Characteristics
- Prior attempt at resection or cytoreduction (e.g., debulking) surgery irrespective of surgical margins allowed provided there are no distant metastases
- At least 1 week but no more than 8 weeks since prior surgery and recovered
- No other concurrent cytotoxic therapy
- No other concurrent antineoplastic therapy
- No other concurrent investigational therapy
- No concurrent medications known to prolong the QTc interval unless the medication can be held for at least 4 days during each treatment course
Please refer to this study by its ClinicalTrials.gov identifier: NCT00077103
United States, Michigan | |
Josephine Ford Cancer Center at Henry Ford Hospital | |
Detroit, Michigan, United States, 48202 | |
United States, Ohio | |
Ireland Cancer Center at University Hosptials Case Medical Center, Case Comprehensive Cancer Center | |
Cleveland, Ohio, United States, 44106-5065 | |
United States, Pennsylvania | |
Hillman Cancer Center at University of Pittsburgh Cancer Institute | |
Pittsburgh, Pennsylvania, United States, 15232 |
Study Chair: | Panayiotis Savvides, MD | Ireland Cancer Center at University Hosptials Case Medical Center, Case Comprehensive Cancer Center |
Responsible Party: | Panayiotis Savvides, MD, Ireland Cancer Center at University Hospitals Case Medical Center, Case Comprehensive Cancer Center |
ClinicalTrials.gov Identifier: | NCT00077103 History of Changes |
Other Study ID Numbers: |
CWRU3302 P30CA043703 ( US NIH Grant/Contract Award Number ) CASE-CWRU-3302 ( Other Identifier: Case Comprehensive Cancer Center ) CWRU-040337 OXIGENE-CWRU-3302 |
Study First Received: | February 10, 2004 |
Last Updated: | June 9, 2010 |
Keywords provided by Case Comprehensive Cancer Center:
anaplastic thyroid cancer |
Additional relevant MeSH terms:
Head and Neck Neoplasms Thyroid Neoplasms Thyroid Carcinoma, Anaplastic Neoplasms by Site Neoplasms Endocrine Gland Neoplasms Endocrine System Diseases Thyroid Diseases Carcinoma Neoplasms, Glandular and Epithelial Neoplasms by Histologic Type Liposomal doxorubicin Combretastatin Fosbretabulin Cisplatin |
Doxorubicin Lenograstim Antineoplastic Agents Adjuvants, Immunologic Immunologic Factors Physiological Effects of Drugs Antibiotics, Antineoplastic Topoisomerase II Inhibitors Topoisomerase Inhibitors Enzyme Inhibitors Molecular Mechanisms of Pharmacological Action Antineoplastic Agents, Phytogenic Tubulin Modulators Antimitotic Agents Mitosis Modulators |
ClinicalTrials.gov processed this record on March 28, 2017


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is it normal for the low beam headlights to go off when the high beams are switched on? and come back on when high beams are turned off , when i hold back on the lever, and they are both on, there is much more light at night, but both high and low only stay on at same time when lever is held back.
Asked by for the 2000 Buick LeSabre


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Evidently, reffing is an issue when you play college lacrosse in Utah. Evidently reffing is an issue when you play college lacrosse in Utah. Interesting. Having never played, or seen a game there myself, I can't verfify this claim, but I can say that both BYU and Chapman fans seemed to bemoan the reffing in that state. And it wasn't limited to that single game either. It seems to be a "thing". The question remains; is it true or just a Utah Lax boogie man? I'll have to look into this more… and not in a negative way necessarily. It is simply intriguing that there could be a good lacrosse state with suspect reffing.
Anyway, back to the game. BYU won a close one and Chapman played their second game in a row against a tough opponent (the day before it was Senior heavy Utah. And we have pictures of that very lacrosse game.), on a road trip. The fact that they beat Utah on the road and then played BYU so tight means good things for Chaptown. I've seen a good amount of film and highlights from Chapman and they can definitley ball with the best of them when they're firing on all cylinders.
BYU is another team that obviously has to be among the favorites in the MCLA this year. They've got some size and speed in good places, can play physical lacrosse with anyone and can shoot the ball well. There is also a flag-waving swagger in Provo that I haven't seen in a couple of years. The Cougars are making changes to their uniforms, pre-game activities, equipment suppliers and it has definitely rubbed off on the field. Maybe they thought they were in a rut, who knows (other than BYU and 412, of course.)? But one thing is for sure, this BYU team is thirsty for wins.
As usual, Victoria Harris of All American Shots has delivered the goods when it comes to MCLA lax in action out West. No surprises there.


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I thought it would be cool to do this for the Genesis/MegaDrive which had some really good arcade ports, but also some kinda bad ones that probably could have been good with bigger budgets.
A while back I wrote about game developers who are recoding terrible 8-bit versions of arcade games, to take full advantage of the era's home computer technology. Given that the games and hardware are decades old, it's a particularly melancholic form of nostalgia, wrapped up in youthful disappointment and adult mastery of obsolete platforms. But, by Eris, look at the final cut of Amstrad CPC R•Type, above.
Here's what was commercially released on the platform, rushed to market by the publishers:
These are running on the same hardware. 1980s childhood: fixed it for you! You'll need an emulator to play it.
Amstrad CPC R•Type [Download page]


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Two-time Academy Award® winner Michael Douglas will
present at the 84th Academy Awards ceremony, telecast producers Brian
Grazer and Don Mischer announced today.
Douglas won an Oscar for his lead performance in "Wall Street" (1987)
and a Best Picture Award as a producer of "One Flew over the Cuckoo's
Nest" (1975). His film credits include "Wall Street: Money Never
Sleeps," "Solitary Man," "You, Me and Dupree," "Traffic," "Wonder Boys,"
"Falling Down," "Fatal Attraction" and "The China Syndrome."
Douglas joins the previously announced Oscar
presenters, including Halle Berry, Rose Byrne, Bradley Cooper, Tom
Cruise, Penélope Cruz, Cameron Diaz, Tina Fey, Tom Hanks, Angelina
Jolie, Milla Jovovich, Ellie Kemper, Jennifer Lopez, Melissa McCarthy,
Wendy McLendon-Covey, Chris Rock, Maya Rudolph, Ben Stiller, Emma Stone
and Kristen Wiig.
Academy Awards for outstanding film achievements of 2011 will be
presented on Sunday, February 26, at the Kodak Theatre at Hollywood
& Highland Center®, and televised live by the ABC Television
Network. The Oscar presentation also will be televised live in more than
225 countries worldwide.


text:
SR Geek Picks: Superman's Bad Day, 'Iron Man 3' Deleted Scene, TMNT Facts & More
- By
- 2 Comments
Welcome to Screen Rant's "Geek Picks," where we collect the finest movie-related geekery from around the Web. Today you'll find 10 Interesting Facts About Teenage Mutant Ninja Turtles; an Avatar: The Last Airbender mixtape; Jaime King's Star Wars-themed baby shower; and a Preparation H ad with Bryan Cranston. All that and more on this edition of SR's Geek Picks!
To kick things off today, BuzzFeed has 21 Breaking Bad Easter Eggs That Will Blow Your Mind.
If you have any Geek Picks of your own, please send them to srgeekpicks(at)gmail(dot)com and you could be featured in a future post!
Adam WarRock's Avatar: The Last Airbender Mixtape EP
Free download: http://www.adamwarrock.com/?p=3583
Download a 7-track mixtape EP about Avatar: The Last Airbender for FREE at the link above.
Lara Croft Cosplay
Geek Girl: Callie Cosplay – facebook
Photographer: John Corley Photography
HOW-TO CAST FROM A MOLD: Try This At Home! with Crabcat Industries: Presented by Heroes of Cosplay
The creative cosplay ladies of Crabcat Industries, Holly Conrad and Jessica Merizan continue their mold tutorial and show to cast objects in resin from the mold you just made. Presented by Heroes of Cosplay on SyFy.
Jaime King's Star Wars-themed Baby Shower
NEXT PAGE: Superman's Bad Day…
Superman's Bad Day
The man of steel needs to look out.
Food Bands: From A to Z
Dude I have so many food band puns, man. It's nuts.
The Windscreen Shot – Supercut
We know all directors are different in their filming styles, but from time to time they all revert to tried and tested shots. We give you the windscreen shot.
As this shot is used in hundreds of films its more of a tribute than a supercut as we couldn't possibly fit them all in a easy to watch video. We hope you enjoy it.
NEXT PAGE: Iron Man 3 Deleted Scene…
Preparation H ad with Bryan Cranston (early '80s)
I love Cranston's work on Breaking Bad and….well….every actor had to start somewhere! Enjoy the soothing "Oxygen Action"! This is a short, 00:15 version of the ad but there is a 00:30 version here on YouTube….for those of you who need MORE soothing oxygen action.
Top 10 Interesting Facts About Teenage Mutant Ninja Turtles
The release date of Teenage Mutant Ninja Turtles is moved by Paramount Pictures from June 6, 2014 to August 8, 2014. The move was made so that the studio could give it more space away from their other big-budget tentpole, Transformers 4, which is set for release on June 27, 2014. This also means we have ample time to look back on some animated series and film series that were released. So before we see the reboot of the four lovable turtles we grew up with during the late 1980s through the early 1990s, MovieHunger listed the Top 10 Interesting Facts About Teenage Mutant Ninja Turtles.
Marvel's Iron Man 3 Blu-ray – Deleted Scene 3
That's all for today, folks! Be sure to check back tomorrow for more movie-related geekery.
Today's picks have been brought to you by: GeekXGirls, Marvel Entertainment, MovieHunger, BuzzFeed, morrisonAV, supercutonline, Riley Soloner, dorkly, Nerdist and Adam WarRock.


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Artist opens studio
Nanaimo artist Tanya Streeter-Wilson invited five friends to participate in the annual winter open house at her Artzi Stuff Textile Arts Studio.
Astrid Feschuk, a website designer, will show photographs taken on her recent trip to Berlin.
Megan Johnston returns for her second open house with silver jewelry and leather bags.
Katherine Moore, a feng shui designer and stained glass artist, will showcase stained glass fairies and two-dimensional pieces.
Jane Garcia will have hand-printed tote bags, lavender-filled eye bags and textile arts for the wall.
Streeter-Wilson, who is also an art teacher, will have hand made paper cards, hand-dyed and printed silk scarves and earrings.
The studio, located at 270 Stewart Ave., is open Saturday and Sunday (Dec. 1-2), noon to 5 p.m. Please call 716-3500.


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Automatically Converts Inserted URLs and URL Names to Hyperlinks
Custom Link Widget Plugin is a Free WordPress plugin which allows you to add Hyperlinks directly using a Widget. This is quite similar to WordPress Link widget.
Whats the difference?
You don't have to add links in LINKS section, instead of that you have to put the Link URL and Link Name in the widget, it will do the rest. Also, you will get an option to select the numbers of links to display.
Be my friend on Facebook Pankaj Biswas
Requires: 3.0 or higher
Compatible up to: 3.4.2
Last Updated: 5 years ago
Active Installs:
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Plenty of paperwork crosses your desk. Switching to the UPS Billing Center helps you reduce that stack, creating a more efficient--and paperless--process.
UPS Billing Center is a secure, online location to view, manage, and pay your UPS invoices. By gathering all your shipping invoices in one place, you can access information sooner and accelerate your billing and payment processes.
That means that all of your UPS invoices--even ground freight, UPS Supply Chain Solutions, and UPS Mail Innovations invoices--can be viewed and managed within the UPS Billing Center.
Create reports and sort billing information by details like tracking numbers or reference codes. We offer six standard reporting views as well as the option to customize reports for your specific needs.
Enjoy the flexibility to manage one or multiple accounts and users within a simple interface. Select an administrator who can assign rights to enrolled users and centralize responsibility for banking information and adding, editing, and deleting users.
E-mail notifications let you know when new invoices are available, and our billing software lets you set additional alerts such as payment due reminders and payment confirmations.
See all of your UPS invoices in one place.
Discover the benefits of bundling UPS CampusShip®, Quantum View® Manage, and UPS Billing Center.
Easily manage small business shipping costs by using both Intuit® QuickBooks® and the UPS Billing Center.


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Earl of Clarendon
Earl of Clarendon is a title that has been created twice in British history, in 1661 and 1776.
The family seat is Holywell House, near Swanmore, Hampshire.
First creation of the title[edit]
The title was created for the first time in the Peerage of England in 1661 for the statesman Edward Hyde, 1st Baron Hyde. He was Chancellor of the Exchequer from 1643 to 1646 and Lord Chancellor from 1658 to 1667 and a close political adviser to Charles II, although he later fell out of favour and was forced into exile. Hyde had already been created Baron Hyde, of Hindon in the County of Wiltshire, in 1660, and was made Viscount Cornbury, in the County of Oxford, at the same time he was given the earldom. These titles were also in the Peerage of England. His second son the Hon. Laurence Hyde was also a politician and was created Earl of Rochester in 1682. Lord Clarendon's daughter Lady Anne Hyde married the future King James II and was the mother of Queen Mary II and Queen Anne.
Lord Clarendon was succeeded by his eldest son Henry, the second Earl. He was also a politician and served as Lord Privy Seal and Lord Lieutenant of Ireland. His son, the third Earl, represented Wiltshire and Christchurch in the House of Commons and served as Governor of New York, before succeeding to the earldom; he had married Katherine, 8th Baroness Clifton, but she died in New York before becoming Countess. Their only son Edward Hyde, Viscount Cornbury, succeeded his mother as ninth Baron Clifton in 1706; he died ten years before his father, unmarried. The only daughter Lady Theodosia succeeded her elder brother as tenth Baroness Clifton (see the Baron Clifton for later history of this title).
Lord Clarendon was succeeded by his first cousin Henry Hyde, 2nd Earl of Rochester, who became the fourth Earl of Clarendon; he was the only son of the first Earl of Rochester. He had earlier represented Launceston in the House of Commons and served as Lord Lieutenant of Cornwall. His only surviving son and heir apparent Henry Hyde, Viscount Cornbury, was summoned to the House of Lords through a writ of acceleration in his father's junior title of Baron Hyde in 1751. However, he died childless in April 1753, eight months before the death of his father. Consequently, on Lord Clarendon's death in December 1753 all the titles became extinct.
Second creation of the title[edit]
Lady Jane Hyde, eldest daughter of the fourth Earl of Clarendon, married William Capell, 3rd Earl of Essex. Their daughter Lady Charlotte Capell married the prominent diplomat and politician the Hon. Thomas Villiers, second son of William Villiers, 2nd Earl of Jersey. Villiers was Envoy to Vienna and Berlin and served as Joint Postmaster General and as Chancellor of the Duchy of Lancaster. In 1748 he was made a Baron of the Kingdom of Prussia, an honour which he received Royal licence to use in Great Britain, and in 1756 the barony of Hyde held by his wife's ancestors was revived when he was raised to the Peerage of Great Britain as Baron Hyde, of Hindon in the County of Wiltshire. In 1776 the earldom of Clarendon was also revived when he was made Earl of Clarendon in the Peerage of Great Britain.
Lord Clarendon was succeeded by his eldest son, the second Earl. He sat as Member of Parliament for Christchurch and Helston. He never married and was succeeded by his younger brother, the third Earl. He represented several constituencies in the House of Commons and served as Comptroller of the Household between 1789 and 1790. He had one daughter but no sons and was succeeded by his nephew, the fourth Earl. He was the eldest son of the Hon. George Villiers (1759–1827), third son of the first Earl. Known as the "Great Lord Clarendon", he was a prominent diplomat and Liberal politician. He was three times Foreign Secretary of the United Kingdom and also served as Lord Privy Seal, Chancellor of the Duchy of Lancaster, President of the Board of Trade and Lord Lieutenant of Ireland.
Lord Clarendon was succeeded by his second but eldest surviving son, the fifth Earl. In early life he briefly represented Brecon in the House of Commons as a Liberal but later joined the Conservative Party and held minor office from 1895 to 1905 under Lord Salisbury and Arthur Balfour. On his death the titles passed to his only son, the sixth Earl. He was a Conservative politician and served under Andrew Bonar Law and Stanley Baldwin as Captain of the Honourable Corps of Gentlemen-at-Arms and Under-Secretary of State for Dominion Affairs. He was later Governor-General of South Africa from 1931 to 1937. His grandson, George, the seventh Earl, who succeeded in 1955 died in July 2009. He was the only son of George Herbert Arthur Edward Hyde Villiers, Lord Hyde, who died in 1935. The title has passed to his son, George, eighth earl.[1] As a descendant of the second Earl of Jersey Lord Clarendon is also in remainder to this peerage and its subsidiary titles.
Several other members of this branch of the Villiers family have also gained distinction. Thomas Hyde Villiers, second son of the Hon. George Villiers (third son of the first Earl), represented three constituencies in the House of Commons before his early death in 1832. His son Reverend Charles Villiers was the father of 1) Edward Cecil Villiers, a Rear-Admiral in the Royal Navy, whose son Sir Michael Villiers was a vice-admiral in the Royal Navy and Fourth Sea Lord from 1960 to 1963, and 2) Ernest Amherst Villiers, Liberal Member of Parliament for Brighton from 1906 to 1910. The successful businessman and racehorse owner Charles Villiers (born 1963) who co-founded the local newspaper company Score Press Limited, which was sold for £155 million in 2005, is the great-great-great grandson of the aforementioned Thomas Villiers MP. The Hon. Charles Pelham Villiers, third son of the Hon. George Villiers, was a prominent Liberal politician and served as President of the Poor Law Board (with a seat in the cabinet) from 1859 to 1866. Between 1890 and 1898 he was Father of the House of Commons.
The Conservative politician Theresa Villiers is the great-great-great-granddaughter of the Hon. Edward Ernest Villiers, fourth son of the Hon. George Villiers. The Right Reverend the Hon. Henry Montagu Villiers, fifth son of the Hon. George Villiers, was Bishop of Durham from 1860 until his death the following year. The Hon. Sir Francis Hyde Villiers, fourth and youngest son of the fourth Earl, was a diplomat and served as British Ambassador to Belgium from 1919 to 1920. His grandson was the actor James Villiers.
The family main home is Holywell House, Swanmore, Hampshire. The family's main home 1753-1923 was the largest of the three main manors of Watford, the Grove which is today a hotel in Sarratt (civil parish).[2]
Earls of Clarendon, First creation (1661)[edit]
- Edward Hyde, 1st Earl of Clarendon (1609–1674)
- Henry Hyde, 2nd Earl of Clarendon (1638–1709)
- Edward Hyde, 3rd Earl of Clarendon (1661–1723)
- Edward Hyde, Viscount Cornbury, 9th Baron Clifton (1691–1713)
- Henry Hyde, 4th Earl of Clarendon, 2nd Earl of Rochester (1672–1753)
- Henry Hyde, Viscount Cornbury, 5th Baron Hyde (1710–1753)
Earls of Clarendon, Second creation (1776)[edit]
- Thomas Villiers, 1st Earl of Clarendon (1709–1786)
- Thomas Villiers, 2nd Earl of Clarendon (1753–1824)
- John Charles Villiers, 3rd Earl of Clarendon (1757–1838)
- George William Frederick Villiers, 4th Earl of Clarendon (1800–1870)
- Edward Hyde Villiers, Lord Hyde (1845–1846)
- Edward Hyde Villiers, 5th Earl of Clarendon (1846–1914)
- George Herbert Hyde Villiers, 6th Earl of Clarendon (1877–1955)
- George Herbert Arthur Edward Hyde Villiers, Lord Hyde (1906–1935)
- George Frederick Laurence Hyde Villiers, 7th Earl of Clarendon (1933–2009)
- George Edward Laurence Villiers, 8th Earl of Clarendon (b. 1976)
The heir apparent is the present holder's eldest son Edward George James Villiers, Lord Hyde (b. 2008)
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See also[edit]
- Catalogue of the Portraits in the Collection of the Earl of Clarendon, by Robin Gibson, Paul Mellon Centre, 1977
This article needs additional citations for verification. (February 2013) (Learn how and when to remove this template message) |
- ^ Daily Telegraph, July 2009.
- ^ Thomson, Phyllis (2008). "Life at Grove School, Watford 1925-1929". hertfordshire-genealogy.co.uk (Chris Reynolds). Retrieved 2009-03-31.
- Kidd, Charles, Williamson, David (editors). Debrett's Peerage and Baronetage (1990 edition). New York: St Martin's Press, 1990,[page needed]
External links[edit]
- George Villiers, 8th Earl of Clarendon
- Leigh Rayment's Peerage Pages [self-published source][better source needed]
- Lundy, Darryl. "FAQ". The Peerage.[unreliable source]


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NET Reach: Another Way TRM is Reaching Out to the Community
For a number of years, the Topeka Rescue Mission has been examining why hunger, homelessness and poverty has been increasing in Topeka/Shawnee County. In doing so, we have discovered that there are significant areas of the community faced with these concerns. In an attempt to address the causes of hunger, homelessness, poverty and community safety, we have developed NET Reach (Neighborhood Empowerment and Transformation) to strengthen the health of our neighborhoods.
A number of our neighborhoods have been identified as, "in need of care". One of the most significant areas is Hi-Crest West. In this area of 5,700 residents, 92% of the children are living in poverty and 13% are involved in gang activity. In addition, 5% of all calls coming into the Topeka Police Department are generated from this area In attempts to intervene and bring improvement, we will have a staff presence at the former Avondale East Elementary School in collaboration with Community Resources Council, Topeka Public Schools, local churches and social service agencies. A number of strategies will be implemented to bring the necessary tools and resources to strengthen individuals and families while also bringing about the opportunity for relationship building. The ultimate goal is to bring about the transformation from an unhealthy to healthy neighborhood.
We are excited about this opportunity to further reach out to those in need and thank you for standing with us in these new endeavors. If you would like more information about NET Reach, please contact Terry Hund at email@example.com or 785-354-1744-x370.
"Someone has well said that nature forms us, sin deforms us, the penitentiary reforms us, education informs us, the world conforms us, but only Jesus transforms us"
Author Unknown


text: First look at Katniss and Peeta on their Hunger Games victory tourMeredith Woerner2/22/13 1:41pmFiled to: Hunger gamesMoviesPosterBooksCatching fireThe hunger games: catching fire86EditPromoteShare to KinjaToggle Conversation toolsGo to permalink Katniss and Peeta get ready for their victory lap across the Districts of Panem. Two new posters from The Hunger Games: Catching Fire show the dazzling winners out on the town. And a metal thing. We're actually not sure what that is, at all. A different cornucopia? Art? Can someone help us with this? Either way the two kids look great in this very 1930s social realism poster. Can't wait for the beach battle![via HitFix]


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Well, to be fair, I have no idea if the fish was old or not, but certainly if that was the case, they should have done something about it, assuming that AEK mentioned it to them. There is a difference between serving an old fish and having an off day, though, just like there is a difference between a taxicab getting lost and crashing into a pedestrian. I would refuse a refund from the former.
post #31 of 44
1/21/12 at 10:47am


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William Riegel, Head of Equity Investments
Lisa Black, Head of Global Public Fixed-Income Markets
May 10, 2013
Click here for a downloadable version. (PDF)
The U.S. equity market continued to rise during the past week, with the S&P 500 Index hitting another record high. A preference for risk returned to the market, evidenced by a rotation out of defensive sectors and back into cyclical stocks. Short-term trading sentiment remains very optimistic, but this is countered by longer-term bearishness as seen in low hedge fund net exposures and pension fund allocations to equities. On balance, we are in a bull market that has yet to edge into unrealistic euphoria. Outside of the U.S., developed- and emerging-market equities also climbed, buoyed in Europe by signs of economic bottoming and rumors of new European Central Bank (ECB) policies to promote lending in the southern eurozone, and in Japan by further weakening of the yen.
In fixed-income markets, an unexpectedly sharp decline in first-time unemployment claims boosted optimism about the U.S. economy. This positive news, combined with continued strong flows into nearly every category of fixed-income funds, benefited "spread sectors" (higher-yielding, non-Treasury securities) such as investment-grade and high-yield corporate credits, commercial mortgage-backed securities, and emerging-market bonds. In contrast, U.S. Treasuries posted modestly negative returns. The yield on the bellwether 10-year Treasury (which moves inversely to its price) rose during the week, touching 1.92% on the morning of May 10, up from 1.80% at the start of the week and 1.66% at the beginning of May.
Unemployment claims hit pre-recession levels, but challenges remain for labor markets
Weekly first-time unemployment claims dropped to 323,000, their lowest level since January 2008, while the four-week moving average, which smoothes out volatility in the weekly data, fell to 336,750. Continuing claims also fell to just over the psychologically important 3 million threshold. These levels theoretically correspond to monthly job growth in excess of 200,000, but we don't expect payrolls to move that high for the next few months. April's reported total of 165,000 net jobs created, while a positive headline number that pleased the markets, masked certain weaknesses, including an increase in temporary employment and a fairly significant decrease in hours worked.
These weaknesses indicate the potential impact of the Affordable Care Act on employment. Analysis by ADP, which tracks private payrolls by size of company, shows that small firms — those with about 50 employees, an important threshold for the health care law — are indeed pushing people into part-time roles and hiring temp workers rather than permanent staff. Because of this, we think new claims for unemployment insurance will need to fall to below historically "normal" levels in order to make up for the employment dynamics in the current cycle. Overall, job creation is likely to settle at around 150,000 to 200,000 per month before accelerating toward the end of the year to somewhere north of 200,000.
Central banks continue to cut interest rates, supporting markets
The trend of global monetary easing continued during the past week, with the Australian and South Korean central banks joining the ECB, India, Eastern Europe, Scandinavia, and much of the emerging-markets community in cutting interest rates and/or adopting other accommodative policy stances in recent weeks. Brazil is an anomaly, bucking the trend by raising rates 25 basis points (0.25%) in mid-April.
This massive flow of central-bank liquidity has been enthusiastically welcomed by global equity markets. Japanese stocks in particular benefited as the yen weakened even further against the dollar during the week, falling to the 100¥ per dollar level for the first time in more than four years. Year-to-date, the yen is down 16% versus the dollar.
Beyond monetary policy, there were other indications of modest economic improvement outside the U.S.:
Overall, while the U.S. economy is not firing on all cylinders, it is running at a market-friendly speed. This is critical, because a sharp economic acceleration would trigger renewed fears that the Fed will taper off its asset purchases, pushing up long-term interest rates. For an equity market that has been bolstered by a favorable risk premium relative to extremely low rates, such a shift could represent a major headwind. The past week's rotation into cyclical stocks may indicate a stronger second half of the year for the economy. If this occurs, then the seeds of a market correction may indeed lie with stronger growth and higher rates.
For now, however, the market continues to grind higher as that threat has yet to materialize. In fact, we see evidence of a moderate slowdown in economic activity. Slower consumer spending has been winding its way through the economy, reflected in soft retail sales in March, which we expect will continue in April. Meanwhile, the federal budget sequester will likely trim GDP growth by about 0.5% (in line with our previous expectations), while tax increases and other government spending cuts should exert a combined 1.5% drag on second-quarter growth. This puts the economy on target to grow by 1.5% to 2% this quarter.
In fixed-income markets, barring a major geopolitical event, spreads between Treasuries and non-Treasury credits are likely to stay relatively narrow until the market believes the Fed will reduce its purchases of Treasuries and mortgage-backed securities. At that point, the potential for a repricing of fixed-income assets, particularly in riskier categories, could be realized. In the meantime, the benefits of the Fed's largesse, along with continued Treasury purchases on the part of the Japanese government to drive down the value of the yen, should offer strong support to spread products.
The information provided herein is as of May 10, 2013.
The material is for informational purposes only and should not be regarded as a recommendation or an offer to buy or sell any product or service to which this information may relate. Certain products and services may not be available to all entities or persons.
TIAA-CREF Asset Management provides investment advice and portfolio management services to the TIAA-CREF group of companies through the following entities: Teachers Advisors, Inc., TIAA-CREF Investment Management, LLC, and Teachers Insurance and Annuity Association® (TIAA®). Teachers Advisors, Inc., is a registered investment advisor and wholly owned subsidiary of Teachers Insurance and Annuity Association (TIAA). Past performance is no guarantee of future results.
Please note that equity and fixed income investing involve risk.