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Study shows how an often illegal sales tactic contributed to housing crash
July 12, 2011 by Jeff Grabmeier in Other Sciences / Economics & BusinessA study of home purchases during the real estate boom years in Chicago shows how one ethically murky and sometimes illegal - tactic used to sell homes may have contributed to the housing crash.
The tactic was inflating the selling price of a home, but offering the buyer some incentive often cash back to accept the inflated price. The buyer could then use the cash-back for a mortgage down payment or other purposes.
The study showed that between 2005 and 2008, up to 16 percent of home sales in Chicago where the buyer borrowed more than 95 percent for the purchase had inflated prices of up to 9 percent.
Many of these transactions occurred in low-income neighborhoods. They helped people buy homes that they probably couldn't have purchased otherwise, said Itzhak Ben-David, author of the study and assistant professor of finance at Ohio State University's Fisher College of Business.
"Without these kinds of transactions, many buyers would have no means of buying a house, and sellers may not have been able to sell their houses," Ben-David said.
"In many cases, it was a type of mortgage fraud. There are worse types of fraud, but this is still fraud."
Illegal fraud occurs when buyers and sellers transfer cash or other assets without notifying the lender.
The study appears in the July 2011 issue of the American Economic Journal: Applied Economics.
The results were bad for the homeowners, the neighborhoods where these transactions were common and sometimes for the investors who ended up with the mortgages, Ben-David said.
He found that highly leveraged home buyers those who borrowed more than 80 percent of the home price were up to 3.9 percent more likely to default on their loans in the first year alone if they engaged in one of these inflated-price deals.
In addition, neighborhoods where there was a higher fraction of these inflated transactions saw excessive price increases during the boom years and a sharper decline during the housing bust.
"Overall, this is a symptom of the housing bubble. People were willing to borrow more than they can afford and these transactions helped them do it," he said.
A study like this has never been done before, partly because it is examining underground, somewhat shady activities that aren't part of any official record. But Ben-David used clever detective work to identify these inflated home-price transactions.
Ben-David analyzed data on all home sales in Cook County, Illinois which includes Chicago from January 1995 until April 2008. The final sample included more than 700,000 transactions.
In order to identify inflated transactions, Ben-David pored through a large database of property listings that includes text descriptions of the for-sale homes, written by sellers. After interviewing real estate agents, loan officers, and appraisers, Ben-David came up with a list of about 150 phrases in the listing descriptions that suggest inflated transactions. Ben-David calls them "seller hints." Some actual examples of seller hints included "Let's talk about cash back at closing!!!" and "$10,000 back with full price."
How would these transactions work? In one case Ben-David found, the seller wrote "$8,000 cash back to buyer at closing with full price offer." Ben-David said a cash transfer is likely to have taken place, because the property was sold for its full asking price, $80,000, and financed with an $80,000 mortgage. The market value of the property is likely to be $72,000, so the buyer actually borrowed 111 percent of the value of the home.
Over time, these types of inflated transactions became increasingly popular in the Chicago area. In the entire sample period, the average rate of seller hints was about 3.4 percent of all highly leveraged transactions (where buyers borrowed more than 80 percent of the home price). But they could have reached up to 9.2 percent of all highly leveraged transactions between 2005 and 2008, results showed.
Ben-David confirmed that houses sold with seller hints did indeed have inflated prices. By examining repeat sales, he found that homes involved in these transactions had prices of 3 to 9 percent higher than other comparable home sales.
The results were not good for buyers. Results showed that the foreclosure rate of highly leveraged borrowers who engaged in inflated transactions was higher during the first year by 0.6 to 3.9 percent compared to other highly leveraged borrowers.
"Most of these buyers are not bad people. They just wanted to buy a house and don't realize that this type of transaction may be illegal. They also don't realize that by getting a mortgage that is worth more than the house they're buying, they are overextending themselves and may not be able to keep up with payments," Ben-David said.
In some cases, even the sellers may not have understood the nature of their transaction. The findings suggested that many buyers, and sometimes sellers, may have been encouraged to participate by other people who had a stake in the deal, he said. Transactions in which the seller offers to inflate the price occurred more often when the seller was a real estate agent, when a single real estate agent represented both the buyer and the seller, and when a mortgage broker arranged the financing.
These transactions did more than hurt individuals they hurt entire neighborhoods, Ben-David said.
He found that in areas where the rate of inflated transactions was high in the past, prices increased more in subsequent periods and were more volatile.
"These inflated price transactions increased the general level of prices in the neighborhood so that, after the boom, when houses returned to their original values, the crash was more severe," he said.
Mortgage lenders would also seem to be losers in these transactions, but they often turned a blind eye to what happened, according to Ben-David.
"Sometimes they didn't know what was going on and sometimes they did know, but they often didn't care," he said. "They're just trying to sell the mortgage."
Many of the brokers ended up selling these mortgages anyway, and they ended up in the large mortgage-backed securities that were a hallmark of the housing bubble.
"Eventually, the final holder of the mortgage doesn't know anything about what happened."
These results suggest that artificially inflated housing prices were a significant issue in Chicago during the boom years, but Ben-David said it was probably even worse elsewhere.
"I would guess that in places like Phoenix or parts of Florida, where the housing bubble was the worst, artificially inflated housing prices probably caused even more trouble."
Provided by The Ohio State University
"Study shows how an often illegal sales tactic contributed to housing crash" July 12, 2011 https://phys.org/news/2011-07-illegal-sales-tactic-contributed-housing.html


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Americana Surf Sign "Old Glory" - Hand Carved 40" - USAPrice: $99.90
Sku: DPT5311100
Here is a very charming hand carved and hand painted surf sign featuring "Old Glory", rustic finish of blue, red and white. Each piece has been hand carved and hand painted with great attention to details.
Perfect Americana decor art piece for your cottage or beach house. |

subset: commoncrawl


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The total duration of the scholarship may never exceed four years. Before the end of the second year the Ph.D. scholar must write an application for extension.
Generally, two-thirds of the research is conducted at the local institution and one-third in Belgium.
The scholarship holder is free to choose the periods of his/her stays in Belgium and in his/her home country.
For practical reasons, the scholar is obliged to travel to Belgium at the start of the scholarship period.
The scholar receives a monthly allowance of €1,085 or more while residing in Belgium, and of €542 or more while residing in his/her home country, depending on the family situation.
The funding also covers tuition fees, travel expenses and bench fees.
Also see: see:
Africa Scholarships » Africa Women Scholarships & Grants » Developing Countries Scholarships » Erasmus Mundus Scholarships for Developing Countries » Fellowship Programs » Funding Grants for NGOs » Government Grants » LLM Scholarships » MBA Scholarships » PhD and Masters by Research Scholarships » Public Health Scholarships - MPH Scholarships » Refugees Scholarships » Research Grants » Scholarships and Grants
fully funded PhD scholarship jobs England - fully funded PhD scholarships for international students form developing countries - fully funded PhD scholarships for international students - fully funded PhD programs in engineering - fully funded PhD in law - fully funded PhD programs in education - fully funded PhD computer science - fully funded PhD in management - PhD Scholarships for Candidates from Developing Countries - PhD Fellowships
Scholarships in Australia » Scholarships in Belgium » Scholarships in Canada » Scholarships in Germany » Scholarships in Italy » Scholarships in Japan » Scholarships in Korea » Scholarships in Netherlands » Scholarships in UK » Scholarships in USA


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Up to $34 million in tax breaks and help with marketing costs and an urgent change to labour laws are the price of keeping The Hobbit in New Zealand.
A deal between Warner Bros executives and Government ministers was confirmed last night after two days of negotiations.
The announcement was widely applauded - except by the Green Party, which called the plan for a law change "outrageous".
Debate on this issue is now closed. Here is a selection of Your Views:


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Do you know where your variables are? | |
PerlMonks |
Re^3: Password Generation and Module Multiplicationby merlyn (Sage) |
on Nov 23, 2010 at 15:59 UTC ( #873238=note: print w/replies, xml ) | Need Help?? |
At the time, I think I had some warning that came up with the nested parens.Which is why, in general, I don't add "use warnings" to the code I write. Sometimes, it finds useful things, but the only time it triggers for me now, it's simply annoying. If you find yourself changing the code you write to be more obscure or hard to maintain because warnings are warning you, warnings have failed. -- Randal L. Schwartz, Perl hacker The key words "MUST", "MUST NOT", "REQUIRED", "SHALL", "SHALL NOT", "SHOULD", "SHOULD NOT", "RECOMMENDED", "MAY", and "OPTIONAL" in this document are to be interpreted as described in RFC 2119.
In Section


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Earn 25 Together Rewards points on this item
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Volume 13 in the manga series Bleach from the world's number 1 manga publisher, Viz Media.
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Contact the Pre-College Department
The Dalles Campus
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Hours: Monday - Friday, 8 am - 5 pm
Email Pre-College Department
We welcome your comments and questions. We try to answer your questions within one business day. For quicker response, contact the appropriate staff during regular hours.


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Those clever boys at Robot Chicken are about to strike fanboy gold. The Adult Swim stop-motion comedy hit is partnering with DC Entertainment and Warner Bros. Animation for Robot Chicken DC Comics Special. Airing this fall, the episode puts a hilariously irreverent spin on the world's most popular superheroes. The Robot team worked closely with longtime collaborator Geoff Johns, DC's chief creative officer, to create an outrageous parody of the comic book genre.
Series co-creator Seth Green will provide the voices for Batman, Robin and Aquaman. He'll be joined in the cast by Paul "Pee-wee Herman" Reubens as The Riddler, Neil Patrick Harris as Two-Face, Alfred Molina as Lex Luthor, Nathan Fillion as Green Lantern, Megan Fox as Lois Lane and Breckin Meyer as Superman.
"Having been raised on DC Comics and the Super Friends vs. Legion of Doom, it's exciting to tell a whole Robot Chicken story within this awesome universe," Green says. Adds co-creator Matthew Senreich (who is also in the cast), "We've been working with Geoff Johns for over 15 years, so playing together on this special only made it more fun to work in the worlds we all love so dearly."
Here's an exclusive first look at the special.
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F. Scott Fitzgerald's
Adapted for the stage by Simon Levy
February 14 to March 3
The London Free Press gives The Great Gatsby four out of five stars!
The breathtaking glamour and decadent excess of the Jazz Age come to our stage in this Canadian premiere of F. Scott Fitzgerald's classic adapted by Simon Levy. Set in the 1920s, Jay Gatsby, a self-made millionaire, passionately pursues the elusive Daisy Buchanan. Nick Carraway, a young newcomer to Long Island, is drawn into their world of obsession, greed and danger.
Click here to meet the Cast and Crew of The Great Gatsby.
"I can't recreate a Long Island mansion, but I can recreate an element of it, a sofa or a shirt. You have to carefully pick what you want to show and it can evoke the era, we just fill in the rest with our imagination," Layton said. "People can do that in theatre, through the dialogue, the actors, the lighting. This was a tour de force for the props department. They created the car, the period furniture; it was a huge effort."


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Shemekia Copeland
Friday August 1, 2014 @ 8:00 PM
While only in her early 30s, two-time GRAMMY® nominee Shemekia Copeland is already a force to be reckoned with in the blues. Shes opened for the Rolling Stones, headlined at the Chicago Blues Festival and numerous festivals around the world, scored critics choice awards on both sides of the Atlantic (The New York Times and The Times of London), shared the stage with such luminaries as Buddy Guy, B.B. King, Mick Jagger, and Eric Clapton, and has even performed at the White House for President and Mrs. Obama. Heir to the rich tradition of soul-drenched divas like Ruth Brown, Etta James and Koko Taylor, the singer was presented with Taylors crown by her daughter, Cookie, on June 12, 2011 at the Chicago Blues Festival and given the honor of the new Queen of the Blues by official proclamation of the City of Chicago and the State of Illinois.
Copelands passion for singing, matched with her huge, blast-furnace voice, gives her music a timeless power and a heart-pounding urgency. Her music comes from deep within her soul and from the streets where she grew up, surrounded by the everyday sounds of the city street performers, gospel singers, blasting radios, bands in local parks and so much more.
Born in Harlem, New York, in 1979, Copeland actually came to her singing career slowly. Her father, the late Texas blues guitar legend Johnny Clyde Copeland, recognized his daughters talent early on. He always encouraged her to sing at home, and even brought her on stage to sing at Harlems famed Cotton Club when she was just eight. At the time, Shemekias embarrassment outweighed her desire to sing. But when she was fifteen and her fathers health began to fail, her outlook changed. It was like a switch went off in my head, and I wanted to sing, she says. It became a want and a need. I had to do it.
At only 19, Shemekia stepped out of her fathers shadow with the Alligator release of 1998 debut recording, Turn the Heat Up!, and the critics raved. The Village Voice called her nothing short of uncanny, while the Boston Globe proclaimed that she roars with a sizzling hot intensity. A year later, she appeared in the Motion Picture Three To Tango, while her song I Always Get My Man, was featured in the film Broken Hearts Club.
Her second album, Wicked, released in 2000, scored three Handy Awards (Song of the Year, Blues Album of the Year, Contemporary Female Artist of the Year) and a GRAMMY® nomination. Two years later, New Orleans R&B legend Dr. John stepped in to produce her third recording, Talking To Strangers (2002), which Vibe called a masterful blend of ballsy rockers and cheeky ballads.
Copeland released The Soul Truth in 2005. The album was produced by legendary Stax guitarist Steve Cropper (who also played on the CD), and featured generous doses of blues, funk and Memphis-flavored soul.
Never Going Back, her 2009 debut on Telarc, a division of Concord Music Group, captured Copeland at a crossroads on that artistic path. While Copeland will always remain loyal to her blues roots, Never Going Back took a more forward view of the blues, and in so doing pointed her music and her career in a new direction. Produced by Oliver Wood, guest players included John Medeski, Marc Ribot and Chris Wood.
Ive had success in my career, and Im happy with that, she says. But that doesnt mean I dont want to continue to grow. In order for an artist to grow and for a genre to grow you have to do new things. Im extremely proud to say Im a blues singer, but that doesnt mean thats the only thing Im capable of singing, or thats the only style of music Im capable of making.
She adds: I want to keep growing. My main goal when I started this was that I was going to do something different with this music, so that this music could evolve and grow. I got that idea from my father. He didnt do the typical one-four-five blues. He went to Africa and worked with musicians there. He was one of the first blues artists to do that. I want to be the same way. I want to be innovative with the blues.
Copelands latest Telarc recording, 33 1/3, was produced by Oliver Wood and released September 25, 2012. On December 5, 2012, 33 1/3 received a GRAMMY® nomination for Best Blues Album.


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PSP owners can expect a lot of new sports games this year, including Steve Davis Pool, Ronnie O'Sullivan Snooker and Phil Taylor Darts. Developer GameShastra announced a partnership with PI Sports to adapt their mobile games -- including titles based around pool, cricket, rugby, snooker, golf, tennis, darts, fishing and poker -- for the Minis platform on PlayStation Network. All in all, "over 10" games will appear on the PlayStation Store this year. In addition, GameShastra is promising visual improvements and enhanced controls over the original smartphone versions.
"With some of the biggest names in sport attached to the biggest names in mobile gaming, this agreement is brilliant news for all PSP owners," GameShastra's CEO said in a press release. Considering how few new releases are announced for Sony's handheld, the addition of more than ten titles to the service certainly does sound appealing.


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Veterans push past barricades and the partisan divide
WASHINGTON, D.C. Despite the government shutdown, Northwest Ohio World War II veterans walked past barricades and faced chilly weather to visit the memorial that was built in their honor.
Even though the park was supposed to be closed, park rangers were there to greet a bus load of 70 veterans as they walked into the memorial, reminding visitors they were allowed to exercise their First Amendment right to assemble peacefully.
Welcome to your memorial. Thanks for your service, a park ranger said to the dozens of veterans as they walked by.
After all, its their day, said David Chilson, a board member of the Northwest Ohio Honor Flight. Were honoring them, recognizing them. Thanking them for their service to the country. This is a day that they so richly deserve.
A surprise honorary Silver Star Medal was presented to one veteran and it brought tears to the eyes of his family members.
Many veterans, bound to their wheelchairs, were wheeled around the memorial by their family members who accompanied them on the trip. They spent their time taking pictures and remembering the memory of their friends that were lost during the war.
A lot of my friends didnt live to make this. And Im very happy to be here, said Robert Benham, who said he served as an Army B-24 liberator bomber.
Despite the political volleying between Democrats and Republicans, Benham said he was keeping politics out of his trip.
I have an opinion but no comment, he said.
Though veterans might not be talking politics during the trip, local Ohio lawmakers are.
In the [House of Representatives] we even passed legislation to make sure that our museums and parks, everything stay open and our memorials and we sent that to the Senate. But you know we have not had action on that yet, said Rep. Bob Latta (R-OH).
There is no action inside the Capitol, but there has been action at the memorial since last week, when the first group of veterans forcibly pushed past the gates.
Congresswoman Marcy Kaptur (D-OH) said that their action is what kept the gates open.
There are realities at work here. Luckily this particular site is pretty accessible, she said.
This is the last Northwest Ohio honor flight of the season.


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According to the National Cancer Institute, African-American men are more likely to be diagnosed with prostate cancer and to die from prostate cancer than white men, although the reasons for this are not clear.
African-American men have considerably higher incidence rates (236 cases per 100,000 in 2005 to 2009) than white men (146.9 cases per 100,000 in 2005 to 2009).
African-American men may have the highest rate of prostate cancer incidence in the world. In addition, their prostate cancer mortality rate is more than twice as high as the rate for white Americans. In the period from 2005 to 2009, mortality rates were 21.7 cases per 100,000 white men compared to 53.1 cases per 100,000 African-American men.
Five-year relative survival rates are lower for African-American men (96.2 percent during 2002 to 2008) than for white men (99.6 percent during 2002 to 2008).
The causes of higher rates of prostate cancer among African-American males are largely unknown. Some studies have found that even when income and education are controlled for, African-Americans have much higher rates than whites. Further studies are examining the impact of a wide variety of potential risk factors, including dietary and other lifestyle differences, occupational exposures, and hormonal and genetic differences.
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Questions for Men About Prostate Cancer
Prostate Cancer: A Range of Treatment Options
Men Over 50 Need Annual Prostate Exam
What Do You Know About Prostate Health?
Screening for Prostate Cancer


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Monterey Park, CA -- (SBWIRE) -- 11/20/2012 -- Nail Polish and More, one of the top nail polish retailers on the web, announces the availability of Artistic Nail Design Colour Gloss™ Soak Off Gel. This product was seen on Michelle Obama as she spoke at the recent Democratic National Convention. Colour Gloss and other items at NailPolishAndMore.com qualify for the store's current promotion: shoppers can get 10 percent off of their order with the coupon code Spring10%.
Nail Polish and More, one of the top web retailers of polishes and manicure supplies, is proud to announce the availability of Colour Gloss™ Soak Off Gel Color from Artistic Nail Design. Colour Gloss was recently worn by First Lady Michelle Obama during her speech at the Democratic National Convention, and now shoppers everywhere can choose from 85 colors to create the look that they want. These soak off gels, as well as all other products at NailPolishAndMore.com, are eligible for the store's current discount promotion. Buyers receive 10 percent off their entire order when using the coupon code Spring10% at checkout.
Artistic Colour Gloss is designed to glide onto the nails like nail polish but be light-cured like gel. It cures in 30 seconds with the Artistic LED light and in 2 minutes with an ultraviolet (UV) lamp. Once set, the soak off gel lasts for up to three weeks without cracking, chipping, or dulling, yet it can be removed completely in minutes without damaging the nail. Nail enthusiasts can learn more and see the 85 available colors at the Colour Gloss by Artistic Nail Design section of the Nail Polish and More website.
Colour Gloss was recently featured on NBC's Today Show when First Lady Michelle Obama chose to wear one of its colors on her nails while speaking at the Democratic National Convention in September. The color was a silver shade called Vogue and has been flying off the shelves since Ms. Obama made her appearance. The Vogue Colour Gloss gel page has additional information.
In addition to all of the individual colors available, six Colour Gloss bottles can be purchased together in the Artistic Fall Collection. This set comes with the following colors: Gray, Red, Brown, Blue, Nude, and Gold. Also included are Cream and Shimmer Finishes. Further details on the Artistic Colour Gloss™ Fall Collection are at NailPolishAndMore.com.
"The introduction of Colour Gloss by Artistic is exciting for us here at Nail Polish and More," stated company representative Brent Wong. "We believe the Artistic products continue our tradition of offering our customers nail options that are fun, dynamic, and fashionable."
Shoppers who purchase Colour Gloss by Artistic Nail Design or any other products from Nail Polish and More before December 31, 2012, can participate in a special promotion. Entering the coupon code Spring10% when checking out will give the customer a 10 percent discount.
Contact Information
Brent Wong
Nail Polish and More
617 Monterey Pass Road
Monterey Park, CA 91754
(626) 458-8822
Email: media (at) nailpolishandmore.com
Facebook: https://www.facebook.com/NailPolishandMore


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MONDAY, May 2 (HealthDay News) -- Exercising while learning might improve kids' test scores, a new study finds.
The researchers looked at students in grades 1 through 6 at an academically low-scoring school in Charleston, S.C., who took part in a program that incorporated physical activity and classroom lessons for 40 minutes a day, five days a week. Before the study, the students had 40 minutes of physical education classes a week.
As part of the program, students in grades 1 and 2 learned movement skills while basic academic skills were reinforced. For example, they hopped through ladders while naming colors on each rung.
Students in grades 3 to 6 used exercise equipment with TV monitors. For example, a monitor on a treadmill would feature geography lessons while a student "ran" through the scene, the study authors explained.
The researchers compared results from standardized tests taken by the students before and after the program, and found that the percentage of students who reached their goal on the state tests increased from 55 percent to 68.5 percent.
The findings show that carefully designed physical education programs can enhance students' academic achievement. The results add to growing evidence that exercise is good for the mind as well as the body, said the researchers, from the Medical University of South Carolina Children's Hospital.
The study was slated for presentation May 1 at the annual meeting of the Pediatric Academic Societies in Denver. Experts note that research presented at meetings isn't subjected to the same type of scrutiny given to research published in peer-reviewed journals.
More information
The Nemours Foundation has more about kids and exercise.
-- Robert Preidt
SOURCE: American Academy of Pediatrics, news release, May 1, 2011
Copyright©2010 ScoutNews,LLC. All rights reserved |


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These luxury 3 bedroom apartments are located in a quiet area of Elviria, within a gated community with 4 swimming pools and well-kept gardens. The urbanisation is within a 5 minute drive to the Santa Maria Golf course and all amenities such as bars, restaurants etc. An elegant hallway leads to the living and dining area, with direct access to the terrace on the left. On the right hand side there is a fully fitted kitchen. A small hallway leads to the 3 bedrooms. The main bedroom is en-suite and also has access to the terrace, whilst the other two share a bathroom. Further features: Marble floors throughout, Travertine marble bathrooms, and pre-installed A/C.
Elviria is a popular residential community located in the eastern part of Marbella, about 15 minutes drive to Marbella city centre and 25 minutes drive to the international airport of Malaga. Some of the best international schools are situated in Elviria such as the English International College, the Deutsche Schule and Colegio Ecos. The area is well equipped with services, restaurants, supermarkets and entertainment facilities. Also conveniently located are the Santa María and Santa Clara golf courses with their respective clubs and two more golf courses, Golf Club Marbella and Golf Rio Real, are only a short drive away. Elviria offers beautiful sandy beaches with charming beach restaurants and the famous beach club Nikki Beach is situated just next to the five star luxury Hotel Don Carlos.
Availability upon agreement.
Engel & Völkers does not accept responsibility as the information provided in this brochure is for information only and it is subject to errors, omissions, change of price or withdrawal without notice. Taxes, notary and registry fees must be paid by purchaser, the commission to E&V paid by the seller as stipulated by Spanish regulations


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Lily Aldrin looks lovely at the dinner table in the sixth episode of How I Met Your Mother. Lucky for you we've got the goods on what she's wearing. She pairs her blue Rebecca Taylor [1] petal blouse (get it in white) with Rich & Skinny [2] jeans. Also worn, but not seen in this photo, are her L'Autre Chose [3] shoes and Veda [4] leather jacket.
Photo courtesy of CBS [5]


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Kate Middleton Baby: Guess the Royal Baby's Weight, Birth Date and Win a Cruise!
Babies -- especially royal ones -- have their own agendas.
Yes, Kate Middleton and Prince William's little one is officially scheduled to make his or her grand entrance on July 13 . . . but that doesn't mean he or she won't pull a North West.
PHOTOS: Kate Middleton's royal pregnancy style
Here's where you come in: We're asking Us Weekly readers to put their guestimation skills to the ultimate test. Predict the future monarch's birth date and weight, get them right, and you could score a 7-day Caribbean vacation on Princess Cruises' Royal Princess, christened by Kate.
PHOTOS: Kate Middleton's motherhood prep
Think you're up to the task? Click here to submit your best guesses.
PHOTOS: Kate's childhood album
* NO PURCHASE NECESSARY. Void where prohibited. Open to residents of the United States and Washington, D.C. (EXCLUDING RESIDENTS OF OVERSEAS MILITARY INSTALLATIONS, PUERTO RICO AND OTHER U.S. TERRITORIES), who are 18 years of age or older as of 6/26/2013. To enter, log on to usmagazine.com/guess-the-weight-and-date and follow the registration and entering directions. Grand prize winners: 1; ARV: $2,388. Runner-up winners: 20; ARV: $69.95. Odds of winning depend on the number of eligible entries received. Sweepstakes begins at 9:00 a.m. edt on 6/26/2013 and ends on 11:59:59 p.m. edt on 7/3/2013. Certain restrictions may apply. Complete Official Rules are available at usmagazine.com/guess-the-weight-and-date.
This article originally appeared on Usmagazine.com: Kate Middleton Baby: Guess the Royal Baby's Weight, Birth Date and Win a Cruise!


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My Account Sign in
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Best product ever.My little puppy loves this product ,using at training and treat.will keep buying it.
My Dog love's the Chicken Ring's and I love the price!
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Full profile →'">
The author is a Forbes contributor. The opinions expressed are those of the writer.
In this series, we look through the most recent Dividend Channel ''DividendRank'' report, and then we cherry pick only those companies that have experienced insider buying within the past six months. The officers and directors of a company tend to have a unique insider's view of the business, and presumably the only reason an insider would choose to take their hard-earned cash and use it to buy stock in the open market, is that they expect to make money — maybe they find the stock very undervalued, or maybe they see exciting progress within the company, or maybe both. So when stocks turn up that see insider buying, and are also top ranked, investors are wise to take notice. One such company is American Electric Power Company, Inc. (NYSE: AEP), which saw buying by Director Oliver G. Richard III.
Click here to find out The Top DividendRank'ed Stocks With Insider Buying »
Back on February 20, Richard III invested $99,929.57 into 2,195 shares of AEP, for a cost per share of $45.53. In trading on Monday, shares were changing hands as low as $46.18 per share, which is 1.4% above Richard III's purchase price. It should be noted that Richard III has collected $0.49/share in dividends since the time of their purchase, so they are currently up 2.5% on their purchase from a total return basis. American Electric Power Company, Inc. shares are currently trading +0.37% on the day. The chart below shows the one year performance of AEP shares, versus its 200 day moving average:
Looking at the chart above, AEP's low point in its 52 week range is $40.56 per share, with $51.60 as the 52 week high point — that compares with a last trade of $46.65. By comparison, below is a table showing the prices at which insider buying was recorded over the last six months:
Purchased | Insider | Title | Shares | Price/Share | Value |
02/20/2013 | Oliver G. Richard III | Director | 2,195 | $45.53 | $99,929.57 |
The DividendRank report noted that among the coverage universe, AEP shares displayed both attractive valuation metrics and strong profitability metrics. For example, the recent AEP share price of $46.47 represents a price-to-book ratio of 1.5 and an annual dividend yield of 4.22% — by comparison, the average company in Dividend Channel's coverage universe yields 4.0% and trades at a price-to-book ratio of 2.2. The report also cited the strong quarterly dividend history at American Electric Power Company, Inc., and favorable long-term multi-year growth rates in key fundamental data points.
The report stated, ''Dividend investors approaching investing from a value standpoint are generally most interested in researching the strongest most profitable companies, that also happen to be trading at an attractive valuation. That's what we aim to find using our proprietary DividendRank formula, which ranks the coverage universe based upon our various criteria for both profitability and valuation, to generate a list of the top most 'interesting' stocks, meant for investors as a source of ideas that merit further research.''
The annualized dividend paid by American Electric Power Company, Inc. is $1.96/share, currently paid in quarterly installments, and its most recent dividend ex-date was on 08/07/2013. Below is a long-term dividend history chart for AEP, which the report stressed as being of key importance. Indeed, studying a company's past dividend history can be of good help in judging whether the most recent dividend is likely to continue.


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Vox Populi – 1/13/10
These past three days have been among the most rewarding I've ever had. F1@1F is still in its infancy and its mission still far from accomplished, but my first week at the Court has been a rousing success. I would like to thank everyone who spoke with me on and off the record in the freezing cold as well as Above the Law for blurbing over thousands of visitors to the web site on Monday.
Today's crowd for American Needle v. NFL featured a sports law guru; two beaming UVA 2Ls; a headlamped, brief-reading, lawn-chair sitting college senior; and a DC lawyer who works for the firm representing the NFL and clerked for the Seventh Circuit judge whose opinion was at issue this morning. And they were only numbers two through six in line.
But for all the lawyers and law students in the general admission line before dawn this morning, two lay persons will stand head and shoulders above all in my memory. Literally.
Jim and Meade Klingensmith, a father and son from Pittsburgh, PA, and both, by my estimate, standing about 6'6″, waited in line each day this week. And next week, when I will be sleeping in and going to class, they will be back out there in line, making wimps out of the rest of us.
Meade, a sophomore at Oberlin College, is in DC on his winter term, where he is pursuing an independent study. His project?
"I'm going to all five hearings," said Meade, "and for each one, I will be writing down how I would come down in the case and how I think it will actually come down." Awesome.
Jim, Meade's father, just retired and was visibly thrilled to have the time to share this unique experience with his son. His wonder at the Court remained equally palpable since we met on Monday.
"It's very impressive to see the judicial system at work," Jim said through a smile. "It really affirms your belief in the law. Everything you're seeing, you'd expect to see, but it's good to actually see it."
And for a college student who could still be on break had he so desired, Meade had a surprisingly positive attitude about his grueling mornings. Whereas waking up at 2:30am was the hardest part for me, Meade claimed that nights are harder because he knows he'll be sleeping for fewer hours than he'll be standing in the cold. But, said Meade, "once the morning comes, I just go for it."
Nearly every person I spoke to had his or her own fear about these mornings: not enough sleep, too cold, going alone, hard to wake up, may get there too late to get in. But once these mornings came, we all went for it. And once we get in line and meet our neighbors, our fears melt away, even if our toes turn to ice.
"It's been fascinating to hear each person's story," reflected Jim.
I couldn't agree more. Thanks to everyone in line who shared theirs with me.
I hope to see you all again next month for the next batch of newsworthy cases. And if any of you readers want to come on out, well, you know where to find me.
Until then, I will continue to blog regularly, sans Court reports, here at F1@1F. Subscribe by RSS or email, bookmark the page, or check in whenever. I enjoy your comments and feedback, so please keep the hits coming.
6 Responses
We're very flattered Mike. It's been a blast sharing our mornings with you, and this blog is fantastic.
Best of luck keeping this going and finishing out law school. And really, you should invest in some boots as soon as possible.
What do you mean by sleeping in next week?
This is what I mean:
Mon., Jan. 18: Legal holiday; no arguments
Tues., Jan. 19:
Mac's Shell Service, Inc. v. Shell Oil Products Company; Shell Oil Products Company v. Mac's Shell Service (08-240; 08-372) — the rights of service station operators to sue to challenge the loss, or non-renewal of their franchises from oil companies
Granite Rock Company v. International Brotherhood of Teamsters (08-1214) — federal court's jurisdiction to determine collective bargaining agreement formation
Wed., Jan. 20:
Berghuis v. Smith (08-1402) — the proper test to assess the fairness of community representation on a jury
Conkright v. Frommert (08-810) — the proper standard of review for an ERISA denial-of-benefits case
[…] legal importance for criminal law and procedure over at VC in November 2007. This week's cases, as far as I can tell, haven't touched any public nerve, so I am taking this week off from […]
Ooooh proper standard of review for ERISA denial-of-benefits case. That would be interesting, if anyone (on the bench or otherwise) actually understood ERISA.
[…] on April 2, 2010 One of the most gratifying parts of this project has been meeting all sorts of people in the early morning line. And as it turns out, I'm not the only person who goes home and […]


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plays the music you love
Mr. "B" Of D.C.
Because he chose to stay in Ann Arbor, Mr. B. is not as well-known as he should be, but he has recorded excellent sets for Blind Pig: 1987's Shining the Pearls which features J.C. Heard and Marcus Belgrave and 1988's Partners in Time which also features Heard. In 1991 he released My Sunday Best for Ann Arbor label Schoolkids and followed it up with a big band record, Hallelujah Train in 1994. This record also came out on Schoolkids and features Ann Arbor's stalwart big band the Bird of Paradise Orchestra. Mr. B. can be found every year at the Ann Arbor Art Fair pounding out some boogie for the enthralled hordes of tourists or on the mound at Vet's Park pitching his amateur baseball team to another victory.~ Scott Yanow, Rovi
Selected Discography
Track List: I Saw You In A Dream
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Boston Travel Guide - 4.99 USD
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Package name: com.mobilereference.TravelBoston , Last Update: 2012-08-20 12:21:33
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text:
Former interim Director of Routt County Communications J.P. Harris was selected earlier this month to lead that department permanently.
Harris said Tuesday that he's eager to see two big projects in the communications department come to fruition later this year: the long-awaited transition to 800-MHz radios for emergency responders and the purchase of a mobile communications command vehicle.
All of the county's public safety vehicles had their 800-MHz radio units installed and tested in the fall. With the infrastructure in place, upgrading the dispatchers' computer consoles will be the last step, Harris said.
First responders should be able to talk to emergency dispatchers on the new radio network within three to four months, Harris said.
"The true transition has been in the works for years, but there's a light at the end of the tunnel," Harris said.
Harris joined Routt County Communications as the assistant communications director in April 2007. Although he already is familiar with overseeing the day-to-day operations of Routt County Communications, Harris said his new position brings new responsibilities such as managing the department's budget and maintaining relationships with the Routt County Board of Commissioners and the county's public safety agencies.
Harris has about 12 years of experience in the field, working with various agencies on the Front Range before moving to Routt County. He also previously worked as an emergency medical technician for six years.
Harris replaces former communications director David Hill, who led the department from March 2007 until November 2008. Hill stepped down because he and his wife are relocating to South Dakota because of her job with the U.S. Forest Service, Harris said.
Routt County had a total of 15 applicants for the position, County Manager Tom Sullivan said. He said he conducted several phone interviews, and invited one other candidate to interview in person.
Because of budget constraints and the countywide hiring freeze instituted last week, Harris' former position will not be filled, Sullivan said. The Routt County Board of Commissioners unanimously approved the hiring freeze Feb. 10.
Minus his former position, however, Routt County Communications is fully staffed.
"I'm going to be relying on my staff a lot," Harris said.
Another project Routt County Communications will be undertaking this year is an upgrade of its reverse-911 system, Harris said. Newer systems have the capability not only to include landline phones, but also use other technologies for emergency notification such as e-mail, smart phones and pagers, he said.
"In this kind of business, technology changes all the time," Harris said.
- To reach Melinda Dudley, call 871-4203
or e-mail firstname.lastname@example.com


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Tax Withholding for Small Businesses
When you own a business that hires employees, it is your responsibility to withhold certain payroll taxes determined by tax rates published by the IRS. You also have to pay your portion of Social Security and Medicare taxes for each employee and send a W-2 to both the employee and the IRS at the end of each year. Keep in mind that you only need to withhold taxes from an employee's paycheck if they are true employees and not independent contractors (ICs).
Difference between Employees and ICs
The main difference between an employee and an independent contractor is that with an employee you are able to direct how a job is performed. You can control or oversee each step and manage the employee as they do the work. With an independent contractor, you are only able to dictate what the end result will be, not how the work will get done. If your "employee" has the legal right to control what he or she does in order to complete your project, then that person is an independent contractor. If you have the legal right to dictate level of job performance, then the person is an employee. This distinction is important because you have to pay employment taxes for each employee, whereas independent contractors will pay their own.
Filling Out and Updating W-4s
You should have each new employee fill out a W-4 and then have the person update it each year. This is important because if the employee had a child leave the home, had a new baby, got married, had a large refund, or paid a large tax bill in the previous year, their tax status may change. The W-4 will let you know how many exemptions the employee is claiming, which is information you will need to know when using a chart of tax rates provided by the IRS to determine how much to withhold from the employee's paycheck.
Using a Chart of Tax Rates
There are two methods that you can use to calculate withholding amounts: the wage method and the percentage method. The wage method is pretty simple since you use a chart of tax rates provided by the IRS to find an employee's income and number of claimed exemptions to determine the withholding amount. The percentage method takes some small mathematical calculations and is little more complicated. It requires you to multiply a daily, weekly, bi-weekly, semi-monthly, monthly, quarterly, semi-annual, or annual withholding allowance by the number of exemptions claimed; subtract that number from the employee's earnings for that pay period; and compare that number with a chart of tax rates provided by the IRS to determine the withholding amount.
Using a chart of tax rates to calculate and withhold payroll taxes can be complicated and you may even need to hire an accountant to make sure it is done correctly, but it is your responsibility as an employer. Knowing exactly what you need to do the job yourself and how to get it done is a key part of keeping yourself out of trouble with the IRS.
Still have questions? Read more about Small Business Tax Write-Offs: Rules & Regulations.
This Web site is intended for use by US residents only. See International Sites. See our delivery policy for full details. Copyright 1998-2016, Staples, Inc., All Rights Reserved.


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While watching an entertainment "news" show, they kept showing Neve Campbell and I thought that if someone made a movie, she could play Cynthia Phaneuf! Years ago, an actor, Michael Graziadei, joined The Young and the Restless as Daniel Romalotti. He could easily play Elvis! His hair is better now but was dreadful in the beginning. Who else can you think of? (Scotty and Kurt could play each other as the years progress!)
I always saw (the young) Leonardo Dicaprio as (the young) Ilya Kulik. How about the young Jaye Davidson (remember him, from The Crying Game) as Johnny Weir?
Totally buying Neve Campbell as Cynthia Phaneuf Emily Blunt as Tessa Virtue Adrian Brody+blond mullet as Plush Alexis Bledel as Sasha. My contribution: Minka Kelly as Alissa Czisny
Natalie Portman could play Katia Gordeeva Will think of more later. I am watching an NBA game on TV and listening to an NHL game on the radio. There is only so much a person can do at a time.
Hillary Swank as Alissa Czisny Natalie Portman as Sasha Cohen Hayden Pannietere as Rachael Flatt Kiera Knightley as Carolina Kostner Jessica Biel as Cynthia Phanuef Jude Law as Evan Lysacek and... Johnny Depp as Johnny Weir
Kristen Stewart as Tessa Virtue Audrey Tatou as Stephane if only she was a he, but they look like siblings, really! just perfect!
that's perfect IMO! My non-skating friends, always believed it was Alexis when I first showed them something of Sasha! Depp also as Candeloro! Di Caprio as Yagudin (Iron Mask rules! ) There's an actor that I always named Plushenko, I don't even recall his real name! I should remember...
I think Justin is for Van Der Perren I remembered my Plushenko: MrDarcy in Pride&Prejudice (that with Keira Knightley)
You are a genius with Tautou = Lambiel. I always thought that Tessa looked like Kristen. But now I see that Emily Blunt is a better match!
Alison Sweeney (The Many Loves of Sami Brady, Biggest Loser host) as Tonya Harding. Brenda Song ( London on Suite Life) as Kristi Yamaguchi.
Chloë Sevigny as Angela Nikodinov Nic Robuck or Zachary Quinto as Stephane Lambiel Cillian Murphy as Maxim Trankov (though I think Maxim is hotter! ) Evan Rachel Wood as Joannie Rochette a younger Anna Paquin as Elena Ilinykh Aaron Staton as Jeremy Abbott Kevin Zegers as Fedor Andreev Matt Lanter as Paul Poirier
FSU brilliance knows no bounds! These are terrific ideas! I love Adrian Brody as Plushy. Anyone got any ideas for Kurt?
Billy Crystal's way too old for Kurt, but I've always thought that they bear a strong resemblance to one another.
Michelle Trachtenberg could play Emily Hughes For Elena Ilinykh I think better option than young Anna Paquin can be Vanessa Hudgens.
I saw Bbc series recently,it is far better than the film! Colin Firth doesnt remind me of Plu at all.


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The Canadiens will try to turn things around Tuesday against the Atlanta Thrashers, a team who have made more headlines this season for their ownership uncertainty than their play on the ice.
The Thrashers are not mathematically out of the Eastern Conference playoff picture but only a nearly impossible set of circumstances will allow them to make it. They kept their slim hopes alive by beating the Senators 5-4 in a shootout on Saturday, but they now start a five game road trip — visiting Canadiens, Philadelphia, Boston, Nashville and the Rangers — and Bill Tiller, who blogs about the team for The Atlanta Journal-Constitution calls it "their 2011 Spring Spoiler Tour," which gives you an idea of what the locals think of their chances.
The Thrashers sit in 11th, nine points south of the playoffs, but there was a time this season when they were among the Eastern Conference leaders and even held down first place in the Southeast Division for a few minutes, running up a 12-2-2 stretch (which included a 3-0 shutout of the Canadiens) shortly before Christmas, fighting it out with the Capitals and Lightning for the Division's top spot.
Then they went into the dumper. In their last six games of December, they got two of a possible 12 points. In January, they picked up 11 of 22 (getting skunked 9-3 by the Leafs, 6-1 by Dallas and 7-1 by the Lightning within 16 days), and in February they earned only five of 22, which really sunk them. Their 15 out of 24 points so far this month couldn't pull them back into the top eight.
What happened? Well, the easy answer is to say they probably weren't that good to begin with and many of the teams they beat in that stretch weren't very good either. It's a long season that, in Darwinian fashion, sorts out the 16 most worthy teams and with only a handful of games to go, the Thrashers have not survived.
More accurately, this is a young team, with an average age (according to NHLNumbers.com) of about 26 and a half. That's seventh youngest in the league and five of the six teams that are younger aren't playoff teams either. It shows in the way they play. They have trouble holding leads, losing 12 games (five after regulation) in which they've led after the first period, the largest number in the league, and seven in which they've led after two periods (five after regulation), tied for the largest number in the league. They can play a good game and be undone within a few shifts when they lose focus and get outworked or outplayed.
This is also a team that doesn't defend well, which is a) good news for a Montreal team that isn't scoring at all right now and b) very puzzling for a team coached by Craig Ramsay, one of the great checking forwards of all-time, a great penalty killer and a guy known in his previous stops to be a defence-first coach. But their 246 goals against is worst in the East, third worst in the NHL. They have allowed 36 more goals than they've scored this year. Opponents average 32.5 shots on the Atlanta goal per game, which is 27th in the league. Ramsay has worked on cutting the shots against and they've faced under 30 shots in 15 of their past 23 games. But they are 8-12-3 in that time.
GM Rick Dudley spoke on the team's website with Darren Eliot two weeks ago giving his assessment of the team and, in his view, they were one of the league's best for over half the season and then lost something, saying — in addition to youth — the schedule and some injuries didn't work in the team's favor (video).
They've gotten a relatively good season out of their most notable off-season acquisition Dustin Byfuglien, who Dudley calls his team's star. Big Buff has 19 goals, which leads all blueliners. His 52 points rank fourth. But he's also a minus-3. His partner, Tobias Endstrom, has also put up big numbers, some of which are good (10 goals, 41 assists, fifth among d-men) and some of which are not (minus-9). At the trade deadline, rumours circulated that GM Rick Dudley would move young d-man Zach Bogosian, but Dudley denies he was shopping 2008's third overall draft pick, although he'd listen to an offer who would "shock" him. No one made him that offer. He's happy with the way Bogosian is playing and thinks of him as a core player going forward. For now, he's a minus-22 and his production has dropped from last season.
Their only 20-goal scorer is captain Andrew Ladd, who has 27 and 55 points to lead the team. Evander Kane, the fourth overall pick in 2009, has 18 goals, an improvement over last season's 14, although he's had nagging injuries much of the year. Former Bruin Blake Wheeler, who come over at the deadline in exchange for Rich Pevery, has done fairly well for Atlanta, with five goals and eight assists in 13 games.
The Thrashers practiced Monday and reportedly their lines looked like this:
Andrew Ladd-Bryan Little-Blake Wheeler
Evander Kane-Robbie Schremp-Nik Antropov
Eric Boulton-Alexander Burmistrov-Chris Thorburn
Ben Maxwell-Tim Stapleton-Radek Dvorak/Anthony Stewart
Thirty-four year old backup Chris Mason has started the last three games in goal with 23-year-old Ondrej Pavelec — who was hailed for his play in the first half after he recovered from his scary fainting spell on the ice early in the season opener — on the bench. Mason has won two of those games and allowed seven goals.
"Everything we do at this time of year has a purpose," Ramsay told the media. "It doesn't matter what happens. Chris Mason is a professional. He went through long stretches without playing. He's been a great practice player, a great teammate and he shows up with his battle and puts his game face on. I think it was important that everybody sees that.
"It's not just for Pavs to see, but for everybody to see what an old professional guy does, how he shows up. Three games in three and a half days and he played in all of them. When we needed him in the shootout [Sunday vs. Ottawa] he was ready and raring to go. This is just a good message for everybody."
Chris Vivlamore of The Atlanta Journal-Constitution blogged Monday that Ramsay also told the media that centre Jim Slater, defenceman Freddy Meyer and left wing Patrice Cormier probably won't play again this season. Slater has missed 38 games with a concussion. Meyer has missed 21 games with an upper body injury. Cormier has missed 16 games with an upper body injury.


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How Is Hodgkin Disease Staged?
Once Hodgkin disease is diagnosed, tests will be done to determine the stage (extent of spread) of the disease. The treatment and prognosis (outlook) for a person with Hodgkin disease depend to some extent on both the type and the stage of the disease. If you have any questions about the stage of your lymphoma or how it affects your treatment, be sure to ask your doctor.
Hodgkin disease generally starts in the lymph nodes. If it spreads, it is usually to another set of nearby lymph nodes. It can invade (grow into) nearby organs as well. Rarely, Hodgkin disease will start in an organ other than lymph nodes, such as a lung.
Staging is based on:
- Your medical history (if you have certain symptoms)
- The physical exam
- Biopsies
- Imaging tests, which typically include a chest x-ray, CT (computed tomography) scan of the chest/abdomen/pelvis, and PET (positron emission tomography) scan
- Blood tests
- Bone marrow aspiration and biopsy (sometimes but not always done)
The medical history/physical exam and biopsies are discussed in How Is Hodgkin Disease Diagnosed?
Imaging tests used to stage Hodgkin disease
Imaging tests use x-rays, sound waves, magnetic fields, or radioactive particles to make pictures of the inside of the body. Imaging tests may be done for a number of reasons, including:
- To look for possible causes of certain symptoms, such as enlarged lymph nodes in the chest
- To help determine the stage of Hodgkin disease
- To help show if treatment is working
- To look for possible signs of cancer coming back after treatment
Chest x-ray
Hodgkin disease often enlarges lymph nodes in the chest, which can usually be seen on a plain chest x-ray.
Computed tomography (CT) scan
The CT scan uses x-rays to make detailed cross-sectional images of the body. Unlike a regular x-ray, CT scans can show the detail in soft tissues (such as internal organs). This scan can help tell if any lymph nodes or organs in your body are enlarged. CT scans are useful for looking for Hodgkin disease in the neck, chest, abdomen, and pelvis.
Before the test, you might be asked to drink a contrast solution and/or get an intravenous (IV) injection of a contrast dye to better outline abnormal areas in the body. You might need an IV line through which the contrast dye is injected. The injection can cause some flushing (a feeling of warmth, especially in the face). Some people are allergic to the dye and get hives or a flushed feeling or, rarely, have more serious reactions like trouble breathing and low blood pressure. Be sure to tell the doctor if you or your child has any allergies or has ever had a reaction to any contrast material used for x-rays.
A CT scanner has been described as a large donut, with a narrow table that slides in and out of the middle opening. You need to lie still on the table while the scan is being done. CT scans take longer than regular x-rays, and some people might feel a bit confined by the ring while the pictures are being taken. Doctors give some children medicine to help keep them calm or even asleep during the test.
CT-guided needle biopsy: A CT scan can also be used to guide a biopsy needle into a suspicious area. For this procedure, a person lies on the CT scanning table while the doctor moves a biopsy needle through the skin and toward the area. CT scans are repeated until the needle is in the right place. A biopsy sample is then removed and sent to the lab to be looked at under a microscope.
Magnetic resonance imaging (MRI) scan
This test is rarely used in Hodgkin disease, but if the doctor is concerned about spread to the spinal cord or brain, MRI is very useful for looking at these areas.
Like CT scans, MRI scans make detailed images of soft tissues in the body. But MRI scans use radio waves and strong magnets instead of x-rays. A contrast material called gadolinium is often injected into a vein before the scan to show details better. This contrast material usually does not cause allergic reactions.
MRI scans take longer than CT scans, often up to an hour. You might have to lie inside a narrow tube, which is confining and can be distressing to some people. Some children might need sedation. Newer, more open MRI machines might be another option. The MRI machine makes loud buzzing and clicking noises that some people might find disturbing. Some places give you headphones or earplugs to help block this noise out.
Positron emission tomography (PET) scan
For a PET scan, a form of radioactive sugar (known as fluorodeoxyglucose or FDG) is injected into the blood. The amount of radioactivity used is very low and will pass out of the body within a day or so. Because cancer cells in the body are growing quickly, they absorb large amounts of the sugar. You then lie a table in the PET scanner for about 30 minutes while a special camera creates a picture of areas of radioactivity in the body. The picture is not detailed like a CT or MRI scan, but it can provide helpful information about your whole body.
PET scans can be used for many reasons in a person with Hodgkin disease:
- They can help show if an enlarged lymph node contains Hodgkin disease.
- They can help spot small areas in the body that might be lymphoma, even if the area looks normal on a CT scan.
- They can help tell if Hodgkin disease is responding to treatment. Some doctors will repeat the PET scan after a few courses of chemotherapy. If it is working, the lymph nodes will no longer take up the radioactive sugar.
- They can be used after treatment in helping decide whether an enlarged lymph node still contains cancer or is just scar tissue.
Doctors often use a machine that combines the PET scan with a CT scan (known as a PET/CT scan). This lets the doctor compare areas of higher radioactivity on the PET scan with the more detailed appearance of that area on the CT. PET/CT scans often can help pinpoint the areas of lymphoma better than a CT alone.
Gallium scan
This test can find tumors that might be Hodgkin disease in lymph nodes and other organs. Gallium scans are not used as much now as in the past, because most doctors do a PET scan instead. This test can still sometimes be useful in finding areas of lymphoma that the PET scan might miss. It can also help tell infections from lymphomas when the diagnosis is not clear.
During this test, a small dose of radioactive gallium is injected into a vein. It is attracted to lymph tissue in the body. A few days later a special camera is used to detect the radioactivity, showing the location of the gallium.
Bone scan
This test is not usually done unless a person is having bone pain or has lab test results that suggest the Hodgkin disease might have reached the bones.
A different radioactive substance (technetium) is used for a bone scan. After it is injected into a vein, it travels to damaged areas of the bone. A special camera can then detect the radioactivity. Hodgkin disease sometimes causes bone damage, which may be picked up on a bone scan. But bone scans can't show the difference between cancers and non-cancerous problems, so further tests might be needed.
Other tests
Blood tests
Blood tests aren't part of the formal staging system for Hodgkin disease, but they can help your doctor get a sense of how advanced the disease is and how well you might tolerate certain treatments.
The complete blood count (CBC) is a test that measures the levels of different cells in the blood. Hodgkin disease cells don't show up in the blood, but a CBC can sometimes reveal signs of Hodgkin disease. For example, anemia (not having enough red blood cells) can be a sign of more advanced Hodgkin disease. A high white blood cell count is another possible sign, although it can also be caused by infection.
Another test called an erythrocyte sedimentation rate (ESR) can help measure how much inflammation is in the body. It can be elevated in some people with Hodgkin disease.
Blood tests might also be done to check liver and kidney function and to look for signs that the cancer might have reached the bones.
Your doctor might also suggest other blood tests to look for signs of certain infections:
- HIV test: if you have abnormal symptoms that might be related to HIV infection
- Hepatitis B virus test: if your doctor plans on using the drug rituximab (Rituxan) in your treatment, which could cause problems if you have this infection.
Bone marrow aspiration and biopsy
If Hodgkin disease has been diagnosed, these tests are done sometimes to tell if it has reached the bone marrow. The bone marrow aspiration and biopsy are usually done at the same time. The samples are taken from the back of the pelvic (hip) bone, although in some cases they may be taken from other bones.
In bone marrow aspiration, you lie on a table (either on your side or on your belly). After cleaning the skin over the hip, the doctor numbs the area and the surface of the bone by injecting a local anesthetic, which may cause a brief stinging or burning sensation. A thin, hollow needle is then inserted into the bone, and a syringe is used to suck out a small amount of liquid bone marrow. Even with the anesthetic, most patients still have some brief pain when the marrow is removed.
A bone marrow biopsy is usually done just after the aspiration. A small piece of bone and marrow is removed with a slightly larger needle that is pushed down into the bone. The biopsy may also cause some brief pain. Once the biopsy is done, pressure will be applied to the site to help stop any bleeding.
Most children having a bone marrow aspiration and biopsy either receive medicine to make them drowsy or have general anesthesia so they are asleep.
The samples are then sent to a lab, where they are viewed under a microscope to look for signs of Hodgkin disease.
Tests of heart and lung function
These tests are not used to help stage Hodgkin disease, but they might be done if certain chemotherapy drugs that could affect the heart or the lungs are going to be used.
- Heart function may be checked with an echocardiogram (an ultrasound of the heart) or a MUGA scan.
- Lung function may be checked with pulmonary function tests, in which you breathe into a tube connected to a machine.
Cotswold staging system
A staging system is a way for the cancer care team to sum up the extent of a cancer's spread. The staging system for Hodgkin disease is known as the Cotswold system, which is a modification of the older Ann Arbor system. It has 4 stages, labeled I, II, III, and IV.
If Hodgkin disease affects an organ outside of the lymph system, the letter E is added to the stage (for example, stage IE or IIE). If it involves the spleen, the letter S is added.
Stage I: Either of the following means that the disease is stage I:
- Hodgkin disease is found in only 1 lymph node area or lymphoid organ such as the thymus (I).
- The cancer is found only in 1 area of a single organ outside the lymph system (IE).
Stage II: Either of the following means that the disease is stage II:
- Hodgkin disease is found in 2 or more lymph node areas on the same side of (above or below) the diaphragm — the muscle beneath the lungs that separates the chest and abdomen (II).
- The cancer extends locally from one lymph node area into a nearby organ (IIE).
Stage III: Either of the following means that the disease is stage III:
- Hodgkin disease is found in lymph node areas on both sides of (above and below) the diaphragm (III).
- Hodgkin disease is in lymph nodes above and below the diaphragm, and has also spread to a nearby organ (IIIE), to the spleen (IIIS), or to both (IIIES).
Stage IV: Any of the following means that the disease is stage IV:
- Hodgkin disease has spread widely through 1 or more organs outside of the lymph system. Cancer cells may or may not be found in nearby lymph nodes.
- Hodgkin disease is found in organs in 2 distant parts of the body (and not in nearby lymph nodes).
- Hodgkin disease is in the liver, bone marrow, lungs (other than by growing there directly from another site), or cerebrospinal fluid (the liquid that surrounds the brain and spinal cord).
Other modifiers may also be used to describe the Hodgkin disease stage:
Bulky disease
This term is used to describe tumors in the chest that are at least ⅓ as wide as the chest, or tumors in other areas that are at least 10 centimeters (about 4 inches) across. It is usually labeled by adding the letter X to the stage. Bulky disease may require more intensive treatment.
A vs. B
Each stage may also be assigned a letter (A or B). B is added (stage IIIB, for example) if a person has any of these "B symptoms":
- Loss of more than 10% of body weight over the previous 6 months (without dieting)
- Unexplained fever of at least 100.4°F (38°C)
- Drenching night sweats
If a person has any B symptoms, it usually means the disease is more advanced, and more intensive treatment is often recommended. If no B symptoms are present, the letter A is added to the stage.
Resistant or recurrent Hodgkin disease
These terms are not part of the formal staging system, but doctors or nurses might use them to describe what is going on with the lymphoma in some cases.
The terms resistant or progressive disease are used when the disease does not go away or progresses (grows) while you are still being treated.
Recurrent or relapsed disease means that Hodgkin disease initially went away with treatment, but it has now come back. If Hodgkin disease returns, it may be in the same place where it started or in another part of the body. This may occur shortly after treatment or years later.
Last Medical Review: July 10, 2014 Last Revised: May 23, 2016
American Cancer Society medical information is copyrighted material. For reprint requests, please contact email@example.com.


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We've been posting somewhat convoluted Redskins playoffs scenarios for weeks because we're into slow-building disappointment, but now it's pretty simple: Beat Dallas at home, win the NFC East. Here's what the odds look like:
Football Outsiders: 85 percent (77 percent for the division; seven percent for a wild card)
Playoff Status: 70 percent (64 percent for the division; six percent for a WC)
The Skins are favored (-3) but that provides little solace. What would ease the pressure, though, is if Washington were guaranteed a wild-card spot by the time Kai Forbath sends Sunday night's opening kickoff well short of end zone.
What that takes is both a loss by the Bears and a loss by the Vikings. Chicago (-3) is at Detroit and Minnesota (+3) hosts Green Bay. The chances of both happening are not good (see above), but I do not think they're as low as six-seven percent, either.
Detroit is done and may roll over, or they may be fired up by the prospect of taking a rival into the offseason with them. Of course, they've lost seven in a row, and Jay Cutler is 6-1 vs. the Lions.
The Packers are clearly better than the Vikings, and they're playing for a first-round bye. Of course, the game is in Minnesota and the Vikings are playing for their playoff lives.
Vegas applies the same spread to all three games, so it's not unreasonable to apply the same 64-77 percent chance of Redskins victory to Bears-Lions and Vikings-Packers. Here's what that's tells us: There's actually more like a 21 percent chance of both Chicago and Minnesota losing.
That's fuzzy math, I know, and all a wild card does is send Washington to San Francisco (or possibly Seattle) rather than hosting, say, the Bears or Vikings. So, yeah, simple: Beat Dallas.


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'Party drug' sought for PTSD
Hundreds of Iraq and Afghanistan veterans with post-traumatic stress have recently contacted a husband-and-wife team who work out of their home in South Carolina to seek help. Many are desperate, pleading for treatment and willing to travel to get it.
The soldiers have no interest in traditional talking cures or prescription drugs that have given them little relief. They are lining up to try an alternative: MDMA, better known as Ecstasy, a party drug that surfaced in the 1980s and '90s that can induce pulses of euphoria and a radiating affection. Government regulators criminalized the drug in 1985. But in recent years, regulators have licensed a small number of labs to produce MDMA for research.
"I feel survivor's guilt, both for coming back from Iraq alive and now for having had a chance to do this therapy," said Anthony, a 25-year-old living near Charleston, S.C., who asked that his last name not be used because of the stigma of taking the drug. "I'm a different person because of it."
In a paper posted online today by the Journal of Psychopharmacology, Michael and Ann Mithoefer, the husband-and-wife team offering the treatment – which combines psychotherapy with a dose of MDMA – write that they found 15 of 21 people who recovered from severe post-traumatic stress in the therapy in the early 2000s reported minor to virtually no symptoms today. Many said they have received other kinds of therapy since then, but not with MDMA.
The Mithoefers – he is a psychiatrist and she is a nurse – collaborated on the study with researchers at the Medical University of South Carolina and the nonprofit Multidisciplinary Association for Psychedelic Studies.
The patients in this group included mostly rape victims, and experts familiar with the work cautioned that it was preliminary, based on small numbers, and its applicability to war trauma entirely unknown. A spokeswoman for the Department of Defense said the military was not involved in any research of MDMA.
But given the scarcity of good treatments for post-traumatic stress, "there is a tremendous need to study novel medications," including MDMA, said Dr. John H. Krystal, chairman of psychiatry at the Yale School of Medicine.
The study is the first long-term test to suggest that psychiatrists' tentative interest in hallucinogens and other recreational drugs – which have been taboo since the 1960s – could pay off. And news that the Mithoefers are beginning to test the drug in veterans is out, in the military press and on veterans' blogs. "We've had more than 250 vets call us," Dr. Mithoefer said. "There's a long waiting list, we wish we could enroll them all."
The couple, working with other researchers, will treat no more than 24 veterans with the therapy, following Food and Drug Administration protocols for testing an experimental drug; MDMA is not approved for any medical uses.
A handful of similar experiments using MDMA, LSD or marijuana are now in the works in Switzerland, Israel and Britain, as well as in this country.
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Bulletin #4266, Vegetables and Fruits for Health: Rhubarb
Vegetables and Fruits for Health
Developed by Extension Nutrition Specialist Nellie Hedstrom
For information about UMaine Extension programs and resources, visit extension.umaine.edu.
Find more of our publications and books at extensionpubs.umext.maine.edu.
You know that summer is on its way in Maine when the rhubarb stalks are large enough to gather. This tart stalk, colored deep red and topped with broad, bright-green leaves, grows in backyards and around farm buildings without much attention. Keeping plants well-fertilized is all that's needed. The plants can usually be ignored until it is time to pick a few stalks for sauce, a springtime treat, or a tart rhubarb pie. The brightly colored stalks can be found in supermarkets as well as in farmer's markets during the season. Some children even like to chew the stalks freshly picked.
Nutrition Information
Rhubarb, a spring tonic for vitamin C and calcium, is an easy and versatile fruit to use, although it provides only a moderate source of fiber. One of the drawbacks is that because it is so tart, most recipes call for more sugar than most other desserts. As with other fruits, 1/2 cup cooked rhubarb is considered a serving. A serving without sugar is only 29 calories, but with sugar it is 139 calories. By combining the stalks with sweeter fruits, like strawberries, the sugar content can be lowered quite a bit.
Field-grown rhubarb is on the market shelves between April and June in most areas. Choose stalks that are well-colored, good-sized, straight, and firm. Sometimes, rhubarb is sold with the leaves attached; they should be fresh-looking and crisp. Avoid stalks that are wilted or flabby.
After cutting off the leaves, wash the stalks. Store them in a plastic bag in the crisper of the refrigerator. Use within one week. (Caution: Rhubarb leaves contain a toxic substance that makes them poisonous. Be sure the leaves are removed before using the stalks. Discard them without cooking or eating.)
Before cooking, trim stalks at the top and bottom. Trim any bruised spots. Wash stalks. For sauces or stewing, cut the rhubarb into one- to two-inch chunks. If the stalks are fresh, the fibers can be cut easily and will soften when cooked.
The two popular cooking methods include baking and stewing for sauces. Rhubarb sauce is made by placing the cut pieces in a saucepan. A stainless steel or Teflon™-coated pan is preferred. Rhubarb is highly acid and may react to some metals such as aluminum. Add 2/3 cup of water to the pan, and bring to a boil. Add 4 cups of cut rhubarb (six to eight stalks). Reduce heat, and simmer over low heat for about five minutes, or until rhubarb is tender. Add sugar to taste; between 3/4 and one cup is sufficiently sweet for most people. If you like less sugar, start with a smaller amount and taste-test the fruit before serving. Cold rhubarb sauce will not taste as sweet.
Rhubarb Crunch
Serves 9
1 cup flour
3/4 cup oatmeal, quick-cooking
3/4 cup brown sugar, packed
1/3 cup margarine, melted
1 teaspoon cinnamon
4 cups rhubarb, cut into 1-inch slices
3/4 cup sugar
2 tablespoons cornstarch
1 cup water
1 teaspoon vanilla
Mix flour, oatmeal, brown sugar, margarine and cinnamon until crumbly. Press half of mixture in the bottom of a 9X9-inch pan. Layer the rhubarb on top. In a separate pan, combine sugar and cornstarch until smooth, then add the water and vanilla. Cook over medium heat until the mixture is thick and clear. Pour the sauce over rhubarb. Top with remaining crumbs and bake at 350°F for 50 to 60 minutes. Serve warm.
Rhubarb Crunch Nutrition Facts label (text)
Rhubarb-Strawberry Topping
Serves 5 (1/3-cup servings)
4 cups rhubarb, cut in one inch chunks
1/2 cup sugar
1/3 cup water
2 1/2 teaspoons cornstarch
1 tablespoon water
3 cups strawberries, sliced
1 teaspoon vanilla flavoring
Combine first three ingredients in a medium saucepan, and bring to a boil. Reduce heat and simmer uncovered for 5 minutes or until the rhubarb is tender. Combine 1 tablespoon water and cornstarch; stir well, and add to rhubarb mixture. Bring to a boil, stir constantly, and cook 1 minute or until thickened. Remove from heat; stir in strawberries and vanilla. Serve warm or chill over custard, low-fat ice cream, or angel food cake.
Rhubarb-Strawberry Topping Nutrition Facts label (text)
Some content adapted with permission from University of Massachusetts Cooperative Extension.
Information in this publication is provided purely for educational purposes. No responsibility is assumed for any problems associated with the use of products or services mentioned. No endorsement of products or companies is intended, nor is criticism of unnamed products or companies implied.
© 1997, 2007
Call 800.287.0274 (in Maine), or 207.581.3188, for information on publications and program offerings from University of Maine Cooperative Extension, or visit extension.umaine.edu.
The University of Maine does not discriminate on the grounds of race, color, religion, sex, sexual orientation, including transgender status and gender expression, national origin, citizenship status, age, disability, genetic information or veteran status in employment, education, and all other programs and activities. The following person has been designated to handle inquiries regarding non-discrimination policies: Director, Office of Equal Opportunity, 101 North Stevens Hall, Orono, ME 04469, 207.581.1226, email@example.com.


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Improving the community
Posted by Tiger Pride in Alumni
Congratulations to ETBU alumna Misty Scott for being named as the Director of Mission Marshall — a group dedicated to improving the lives of people locally.
Scott graduated from ETBU with a degree with a concentration in Communication and English. Her husband, Glenn, works in I.T. at ETBU.
Read the full story from the Marshall News Messenger here.


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Maureen Fishback
Mon histoire
The Metropolitan Club prides itself on its history of diversity and acceptance. This is a reputation I am proud of as a current employee. As an Executive Committee Member of my alma mater's, Illinois State University, feminist student organization, F.L.A.M.E., I aimed for consistent equal opportunity standards in both my professional and personal worlds.
I am currently on the Associate Board at Open Books, a nonprofit social venture that operates a bookstore and promotes literacy in Chicago. I was the Communications Liaison for the Board's largest fundraiser, Team Bookin' It, and "booked" 13.1 miles and helped raise over $21,500 for literacy.
EXPERTISE Strategic Planning, Event Planning, Event Promotion, Event Management, Marketing Communications, Email Marketing, Social Media Marketing, Staff Training and Staff Development.
Racontez-nous de vous même


text:
I need help in creating a conversion program to convert kilograms to pounds. The user will enter a number for weight and a char for unit of measurement K= kilo or P=pound and the program should display the other corresponding weight.
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text: Orange You Glad China Has A Giant Mecha?Brian Ashcraft12/09/10 5:00amFiled to: GundamChinaBandai NamcoNamco BandaiNewsJapanOdditiesLegal417EditPromoteShare to KinjaToggle Conversation toolsGo to permalink In summer 2009, Bandai Namco constructed an enormous, life-sized 59-foot-tall Gundam statue in Tokyo, following with an updated version earlier this year. China is working on one of it's own, but don't tell Namco Bandai. Apparently, a theme park in China's Szechwan is constructing a slightly smaller Gundam-type statue of its own, in glorious orange. Details about the statue are scant, but Gundam seems to be gaining in popularity in China, hence this creation. For better or worse, China is known for its loose interpretation of copyright law, which is something that the Chinese government is actively trying to change. Perhaps a Gundam© Beam Saber™ would help? Advertisement Advertisement 中華なガンダム? 実物大ガンダムが中国に出現 [Gizmodo Japan]Reply417 repliesLeave a reply


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About this Exhibit
Man the Guns!
It`s a Woman`s War Too!
United We Win
Use it Up, Wear it Out
Four Freedoms
Warning! Our Homes Are in Danger Now!
This is Nazi Brutality
He`s Watching You
He Knew the Meaning of Sacrifice
Stamp `Em Out!
The mortal realities of war must be impressed vividly on every citizen. There is a lighter side to the war picture, particularly among Americans, who are irrepressibly cheerful and optimistic. But war means death. It means suffering and sorrow. The men in the service are given no illusions as to the grimness of the business in which they are engaged. We owe it to them to rid ourselves of any false notions we may have about the nature of war. --Government Information Manual for the Motion Picture Industry Office of War Information
To guard against complacency, the Government promoted messages that reminded civilian America of the suffering and sacrifices that were being made by its Armed Forces overseas.
You Talk of Sacrifice...
Produced by Winchester NARA Still Picture Branch (NWDNS-179-WP-1386)
(Click on poster for high-resolution image)
Have You Really Tried to Save Gas by Getting Into a Car Club? By Harold Von Schmidt, 1944
Printed by the Government Printing Office NARA Still Picture Branch (NWDNS-200(S)-PSC-16)
Miles of Hell to Tokyo! By Amos Sewell, 1945
Printed by the Government Printing Office for the War Manpower Commission NARA Civil Reference Branch (208-PMP-45)
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text:
Contact Details
Description :
Arthrogryposis Multiplex Congenita, as its known in its fullest form (more often referred to as AMC), is a rare congenital non-progressive condition - occurring in approximately 3 in every 10,000 births. The word Arthrogryposis (arthro meaning joint, gryp meaning curved) literally means curved joint, implying that it is fixed or stuck in the curved position. Thus, AMC means curved (fixed) joints in many (multiplex) areas of the body, which are present at birth (congenita). Children born with this condition face tough extensive surgeries and physical therapies throughout childhood and often well into adolescence.
The Arthrogryposis Association of Ireland (AAI) is a registered charity whose main aim is to provided support to families and individuals with the condition, promote an awareness of Arthrogryposis and treatment of it nationwide and promote research into the condition.
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text:
When love comes, there will be no more religion
«*It is when one has no more love that laws and rules are needed; and even at this moment, laws and rules do not serve in much. As long as there is no love, there will be religions which will never be able to bring the human beings towards God. But when love will come, there will be no more religion. Religion will become internal and will show itself under shape of kindness, brilliance, sacrifice, sweetness and light. It is when love left the humanity that religion has come to compensate for it. But when love will come, religion will fade because it will have entered again the heart of the man.*»
Omraam Mikhael Aivanhov |
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