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How To Rob A Credit Union: The 5 Best Ways
There are dumb ways and smart ways to steal from credit unions.
The dumb way is what most credit unions spend most of their time thinking about preventing, that is, the old-fashioned Bonnie and Clyde stick up, with guns a-waving, maybe a shot in the ceiling for punctuation.
The latest FBI bank crime statistical report – covering 2011 – shows there were 5,014 bank and credit union robberies. Loot was taken in 4,534 cases, meaning that in 11% of cases the perpetrator walked out the door empty handed.
Total amount taken was $38 million, of which $8 million was recovered.
Of the total cases, 398 were credit union robberies.
Clearance rates – arrests – vary by region but in New York City the most recently reported number is about 40%, meaning there is a four in 10 chance of going to jail, typically for several years. Cross country, bank robbery usually has one of the highest clearance rates, in part because of all the photographic evidence of the robbery.
Now for the big question: what's the take for the criminals? About $7,500 per heist. Granted, it's for a few minutes work but, typically, it will be split several ways – and remember the downside risk of spending a few years in a federal prison.
U.S. News & World Report quotes researchers, saying: "Robbing banks is no longer what you would call a crime of choice."
That's because there are lots smarter ways to take money from financial institutions. They don't involve guns. And rarely result in jail time.
Here's a look:
Smile and Dial
If you got a call from the $21 million Allegheny Ludlum-Brackenridge FCU in Brackenridge, Pa., telling you your account had been compromised, please provide your PIN, so we can re-set -- curse loudly and hang up. The polite may just want to hang up.
Literally dozens of financial institutions – often in small towns – suffer flurries of these dial-and- rob calling scams and, always, there are some dutiful citizens who precisely follow the instructions, "re-set" their accounts and watch their account balances vanish.
Criminals typically use automated robo-calling tools and a purchased telephone list. They put in no real effort, so they are not bothered by the wrong numbers and the connections to people who are not members of the target credit union.
Their computers just keep dialing and if only one in 100 numbers is pay dirt, it still is a rich return.
Arrest rates on these crimes are slim to none.
Next: Skim the ATM
Security blogger Brian Krebs shows how small – and undetectable – skimmers have gotten.
Even giant Navy Federal, the $52 billion Vienna, Va., fell victim when one of its ATMs in Germantown, Md., had a skimmer affixed, according to police reports.
Across the country, in Camas, Wash., the $193 million Lacamas Credit Union also fell victim.
Every week, there are more skimmer cases that surface, usually with no arrest of the suspects.
The typical moment of vulnerability for the crook is retrieving the skimmer, the camera, and their data. Time that right – say, late on Sunday night – and arrest is highly unlikely.
The crime can be very lucrative. One crook in Milwaukee is said by police to have stolen around $3 million from 200 bank customers in a flurry of thefts.
The shift to PIN-and-chip EMV cards is supposed to put an end to skimming, but until 2015, skimmer crooks will have a clear path to profits.
Next: Identity Theft
"Know Your Customer" may be a banking mantra but identity theft, associated with fraudulent loans, money laundering and more, is one of the nation's fastest-growing types of financial crime. It wins a high rank in the recent FTC round-up of complaint categories.
There is no obvious or easy cure for what is becoming an epidemic of stolen identities.
In a mobile world, it is easy to become someone else and it also is easy, in some cases, to persuade financial institutions that one is who one isn't.
This crime is one that at least occasionally ends in arrest of the perpetrator, as happened with a 26 year-old Armenian living in Southern California who recently was arrested in a massive identity theft fraud involving millions of dollars and at least one credit union victim, $666 million , Las Vegas-based One Nevada, according to police reports.
Next: Zeus Rules
Financial institution theft does not get bigger than Zeus, a long-running cybercrime that has looted hundreds of millions of dollars – possibly billions – from innumerable victims.
It works like this. A criminal buys a Zeus kit – at any of many cybercrime bazaars. Zeus is such a well-established tool that it is sold in what experts call a "malware as a service" arrangement. Tech troubleshooting and customer service come with the fee.
The criminal then seeks to inject his version of Zeus – which typically is customized to attack a particular financial institution – into victims' computers. The usual way is to rent a botnet of Zombie computers to do mass mailings of emails with infected links and/or infected attachments (bad PDF files are a current favorite).
When an infected computer visits a target site – say XYX Credit Union – the malware sends back to its controller the user's log in details (username, password) and then it is just a matter of timing the emptying of the victim's account.
A particularly brazen Trojan assault occurred in 2010 on the Treasury Federal Credit Union, where blogger Brian Krebs reported that the institution – which primarily serves Treasury Department employees in Utah – was looted of at least $100,000 due to infections of keylogging malware (probably Zeus or its close cousins).
Arrests are scarce. Criminals often are in distant countries where U.S. law enforcement has little reach. But even when criminals may be U.S.-based it simply is hard to persuasively link a particular cybercriminal with a particular crime.
Zeus may be the perfect banking crime, at least from the perspective of the criminal.
Last But Not Least: Get a Job in a Credit Union
ABC News had the story: the best way, tops, to loot a financial institution is to get a job in one. Bad bank examinations plus bad accounting plus bad compliance equals a golden opportunity for crooks with sharp pencils, suggested ABC.
The stories pile up:
* The only employee of H.B.E. Credit Union in Nebraska looted the tiny place of $635,000 over a span of at least five years. She now is in jail.
* Theresa Portillo, the sole employee of Women's Southwest FCU in Texas, stole some $3.4 million over an 11-year period.
* At United Catholic Credit Union in Temperance, Mich. the sole employee was convicted of stealing $2.1 million going back at least to 1985.
* At St. Paul Croatian FCU the CEO (and others) conspired, for many years, to steal many tens of millions from the institution, mainly via bad loans. He now is doing 14 years in federal prison.
You might say: the system works, they are all in jail.
But there are many small bank and credit union experts who wonder how many more crooked CEOs are out there. The stunning fact in every prosecuted case is how long the crime had gone on. Without getting detected.
Working inside a financial institution has to be the best - and certainly simplest - way to loot one.
Note: Neither Credit Union Times nor the author encourages theft from financial institutions. The story's purpose is trigger thinking about where best to allocate defensive resources.


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It seems like the days of AB in Toronto are numbered which is good for AB as a player and for Raptor and Raptor fans to finally examine how their defense will improve without AB in the line up.
DD, Amir and the rest of young Gunz and scrubs all had their wish list presented to the Media today and it seems that a Legitimate Center is on top of their list.
Now, the question is NOT who fits that role but who will be available for trade this summer and who we can really get ?
I can not come up with even ONE name that I think will fit the bill, will be available for trades and more importantly is willing to come to Toronto in a struggling team like Raptors. But maybe some of your guys can come up with names so lets hear it.
Free-agent List:

subset: commoncrawl


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26.05.11Tickets #amDetr2605
The Fillmore - Detroit, MI
Here's a test address, blah
Attendance (24)
30.05.11 12:04 am
Arg! I didn't know about the show until the day of! So disappointed to have missed it! Will be more vigilant in future! hope you come back!
27.05.11 4:11 pm
@ arcticfranzietkook I'm from Belleville, and I went.
27.05.11 3:32 pm
hey, what did the tour shirts look like, front and back please?????
did they sell out of your size???
did they have show posters???
27.05.11 4:14 am
omfg they rocked soooooooo hard!!!!!!!!! Fucking Arctic Monkeys Fan FOR LIFE. I love these guys. Best encore ever. Best tour shirts ever. Best BAND EVER!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
19.05.11 4:13 am
HEY, is anyone else from BELLEVILLE or around there going?
red right hand
28.04.11 2:42 am
I don't know what's up with all these spam comments but I am really looking forward to finally getting the chance to see the boys live! I have nothing but respect for the music they make and this will no doubt be an experience to remember (;


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Credit Unions Ride Social Media
No longer is it a case of should a credit union be active on social media outlets such as Facebook and Twitter. Now, it has shifted to just how active and on exactly which channels.
One of the reasons is that social media has become integrated into the lives tens of millions in America and ignoring the channels may not make strategic sense, some experts have advised.
"Facebook has become instrumental in how we reach out to our members," said Lynne O'Leary, vice president of marketing at the $4.7 billion Teachers Federal Credit Union in Hauppauge, N.Y.
O'Leary said she personally got that message loud and clear shortly after she was hired at the credit union in October 2012. That was around the time that Hurricane Sandy caused devastation around Long Island. Facebook became a primary channel for updating the institution's 227,000 members about the status of the credit union, when it would be back online and other concerns brought on by the super storm, she said.
While electricity was widely out across much of Long Island, many still had smartphones and signals and enough juice to log into Facebook to check on how friends, family and their credit union had fared.
One of the social media lessons learned from Sandy was a lot of the utility consists in connecting with members and simply updating them on what's happening.
"These channels are not free PR feeds. We put out information, sometimes about our products, but we are never overly self-promotional," O'Leary explained.
What about credit unions that insist they have tried social media and gotten no results? According to some reports, others are planning to quit using the channels. It would be the equivalent to quitting a fitness club because no weight has been lost even though there never was an exercise plan or a commitment to a diet, some analysts have offered.
Getting social media results may takes consistent effort, thought, and review of industry best practices. For instance, drive-by tweeting likely won't product results. Also, there may not be many proven success formulas to follow.
"What you see now is a lot of experimentation in social media. Financial institutions are figuring out what works," said Mark Schwanhausser, a social media expert at San Francisco-based Javelin Research.
That commitment to experimentation plays out in many credit unions today, as more understand that doing social media is about trial and error.
Targeted advice from Michelle Brown, a social media expert with ZAG Interactive in Glastonbury, Conn., is "stop talking about your credit union. That's not what the channels are for. Be educational. Be quirky, talk about the community. It's a tricky medium for marketers." She added, "Content is at the heart of social media" and it has to be compelling enough to win the attention of consumers on the fly.
Kristina Flores, marketing director at the $151 million Prospera Credit Union in Appleton, Wisc., said, "social media is a beast. It is so hard to keep up."
But she also believes that being engaged with members online is now a must-do. When Prospera brought on a new CEO in 2009 to replace a retiring CEO who had put the kibosh on Flores' social media plans, one of her first actions was running down to the new boss and asking for permission to raise the Prospera flag on Twitter and Facebook, she recalled. She got the okay and hasn't looked back.
"It can be exhausting, but also, [it] is so important," said Flores, who, like O'Leary, strives to keep overt marketing to a minimum with a bigger focus on communicating what's special about Prospera.
There's also a substantial amount of customer service. In one case, Flores recalled a member who posted unhappy messages about Prospera on several social media channels.
"We tried to figure out what went wrong and how we could fix it," said Flores, who added the member came "to feel bad about the posts she had put up. But that was her right to express herself."
At the $644 million Michigan First Credit Union in Lathrup Village, Mich., vice president Linda Douglas, said that her financial institution continues to deepen its social media involvement and is now active on Twitter, Facebook and YouTube, where it has its own channel, and also on LinkedIn, where it is using that database in a hunt for the right employees.
Michigan First said it also has an ambitious commitment to monitor social media channels 24 hours a day, seven days a week; meaning that an angry post at 3 a.m. on a Sunday will get quickly noticed. "Although we do not always respond immediately," Douglas said. "It depends on the magnitude of the post. People are talking about us whether we are there or not." n


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Rick Webb Retiring After 40-Plus Years at Atlantic Financial FCU
Rick Webb has announced his retirement as president/CEO of the $98 million Atlantic Financial Federal Credit Union in Hunt Valley, Md., ending a career of more than 40 years with the Baltimore-area credit union.
Webb held the 11,000-member AFFCU's top job for the past 19 years and prior to that had served for 23 years as a volunteer, including as board chair, when he was named CEO in 1993.
Webb has been active in industry affairs, including with the Maryland & DC Credit Union Association, and under his management the credit union executed six mergers, built a new headquarters and added more than 150 SEGs, including Transamerica Life.
"The credit union exists only to serve its members, who are also the owners of a credit union. I hope that I have served every member, whether directly or through my actions, as well as an owner would expect," Webb said in the credit union's announcement of his retirement.
AFFCU's Board of Directors and its search committee are now seeking a new CEO. AFFCU has offices in Hunt Valley and Baltimore's Inner Harbor.
Webb originally joined what then was Baltimore Telephone Federal Credit Union as a member through his employment at C&P Telephone Co./Bell Atlantic.


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Since the other one got really long anyway. So here's a new one!
Apparently someone took our gas tank off our grill and switched it out with their used up one. Who does that? I guess we'll have to actually lock it to the grill next time. Not that it matters now, we're pretty much done grilling for the year.


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Vincent Ciambriello has been named president/CEO of the $682 million Sikorsky Financial Credit Union in Stratford, Conn.
Ciambriello, the credit union's former executive vice president and COO, had been acting president since former President/CEO Thomas J. Williams announced his retirement last year after 45 years with the Connecticut credit union.
"Vinny has played an instrumental role over his 26-year career at Sikorsky Financial Credit Union and we are pleased to announce his appointment as our next president and chief executive officer," said William Boian, board chairman for the 56,000-member Sikorsky Financial.
"It is a privilege and honor to be selected to lead Sikorsky Financial Credit Union. I look forward to continuing our commitment of providing our members with the best financial products," Ciambriello, a CUES Certified Chief Executive designee, said in the credit union's announcement this week.


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Recognition Plaques
Boy Scout Awards & Recognition
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Boy scout awards will make any scout feel like they really have accomplished something. And they have! We carry several boy scout awards and have them at sale prices. If you are preparing for a banquet, court of honor, or even just a general recognition ceremony, we have what you are looking for. Browse the boy scout awards below. Find what you need for your scout and save money by buying from us.


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This study is maintained and distributed by the National Archive of Computerized Data on Aging (NACDA), the aging program within ICPSR. NACDA is sponsored by the National Institute on Aging (NIA) at the National Institutes of Heath (NIH).
Aging of Veterans of the Union Army: Military, Pension, and Medical Records, 1820-1940 (ICPSR 6837)
Principal Investigator(s): Fogel, Robert W., et al., University of Chicago. Center for Population Economics
This data collection constitutes a portion of the historical data collected by the project "Early Indicators of Later Work Levels, Disease, and Death." With the goal of constructing datasets suitable for longitudinal analyses of factors affecting the aging process, the project is collecting military, medical, and socioeconomical data on a sample of white males mustered into the Union Army during the Civil War. The project seeks to examine the influence of environmental and host factors prior to recruitment on the health performance and survival of recruits during military service, to identify and show relationships between socioeconomic and biomedical conditions (including nutritional status) of veterans at early ages and mortality rates from diseases at middle and late ages, and to study the effects of health and pensions on labor force participation rates of veterans at ages 65 and over. This installment of the collection, Version M-5, supersedes any previous version of these data. Collected in this version are data from military service, pension, and medical records of veterans who were originally mustered into the Union Army in California, Connecticut, Delaware, District of Columbia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New Mexico, New York, Ohio, Pennsylvania, Vermont, West Virginia, and Wisconsin regiments. Also included are data from a 20-company pilot sample and information on recruits whose pension records were stored at the Veterans Administration (VA) Archives in Washington, DC, but had not been collected previously. Data include date and place of birth, place of residence, marital status, number of children, occupation, wealth and income, muster place and date, length of service, battles fought, medical experiences (e.g., illness, wounds, and hospital stays), health status, pension information, and date, place, and cause of death. Additional variables provide the place and date of birth of the recruits' wives, children, and parents. The data are organized into three sections according to state of enlistment. Section 1 (Parts 1, 2, 3, and 4) contains data from New England, Kansas, Missouri, Minnesota, Iowa, New Jersey, Indiana, Wisconsin, California, New Mexico, and the 20-company pilot sample. Section 2 (Parts 5, 6, 7, and 8) contains data from New York, Michigan, Washington, DC, Delaware, Kentucky, Maryland, and West Virginia, along with pensions data from the VA Archives. Section 3 (Parts 9, 10, 11, and 12) contains data from Ohio, Pennsylvania, and Illinois. The variables in Part 13, Linkage Data, indicate which major document sources were located for each recruit. Also, provided is information regarding death dates (Part 14) for individuals whose death records came from the pension payout cards. Approximate date of death was determined by examining the last record of payment to the pensioner.
Series: Civil War Veterans Series
Access Notes
The public-use data files in this collection are available for access by the general public. Access does not require affiliation with an ICPSR member institution.
WARNING: Because this study has many datasets, the download all files option has been suppressed, and you will need to download one dataset at a time.
WARNING: This study is over 150MB in size and may take several minutes to download on a typical internet connection.
Study Description
Fogel, Robert W., et al. Aging of Veterans of the Union Army: Military, Pension, and Medical Records, 1820-1940. ICPSR06837-v6. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2006-06-05. https://doi.org/10.3886/ICPSR06837.v6
Persistent URL: https://doi.org/10.3886/ICPSR06837.v6
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
This study was funded by:
- United States Department of Health and Human Services. National Institutes of Health (NIH PO1 AG10120)
- National Science Foundation (NSF SBR 9114981)
Scope of Study
Subject Terms: aging, American Civil War, causes of death, census data, demographic characteristics, disease, health status, labor force, medical records, midlife, military pensions, military recruitment, military service, mortality rates, nineteenth century, nutrition, socioeconomic status, twentieth century, Union Army, veterans
Geographic Coverage: California, Connecticut, Delaware, District of Columbia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New Mexico, New York (state), Ohio, Pennsylvania, United States, Vermont, West Virginia, Wisconsin
- 1820--1940
- 1991--1999
Universe: Union Army recruits in white volunteer infantry regiments. Commissioned officers, Black recruits, and other branches of the military were excluded from the universe.
(1) The data in Part 1 (containing the variables RECIDNUM through OTHRQC17) and Part 2 (containing the variables RECIDNUM and OTHRRN17 to AFCOND20) can be merged together on RECIDNUM to create the full file for the Section 1: Combined Data. Please note that this is a very large file when combined. The data in Part 5 (containing the variables RECIDNUM through OTHRQC17) and Part 6 (containing the variables RECIDNUM and OTHRRN17 to AFCOND20) can be merged together on RECIDNUM to create the full file for the Section 2: Combined Data. Please note that this is a very large file when combined. The data in Part 9 (containing the variables RECIDNUM through OTHRQC17) and Part 10 (containing the variables RECIDNUM and OTHRRN17 to AFCOND20) can be merged together on RECIDNUM to create the full file for the Section 3: Combined Data. Please note that this is a very large file when combined. (2) Users interested in the previous versions of this collection (Version M-2 or Version M-4) should contact ICPSR User Support. (3) The codebook is provided by the principal investigator as a Portable Document Format (PDF) file.
Sample: A one-stage cluster sample of Union Army companies was randomly selected from the Regimental Books housed at the National Archives in Washington, DC.
Carded medical records, military service records, and Union Army pension records stored at the National Archives and Veterans Administration Archives in Washington, DC.
Restrictions: To preserve respondent privacy, certain identifying variables are restricted from general dissemination. Aggregations of this information for statistical purposes that preserve the anonymity of individual respondents can be obtained from ICPSR in accordance with existing servicing policies.
Original ICPSR Release: 1997-06-24
- 2006-06-05 The Stata files stored the 10 digit, numeric ID variable as 10f (floating), which altered the number and made it unuseable. It was necessary to change the RECIDNUM (unique record ID number required to merge files) to a string variable to retain the uniqueness and useability.
- 2006-04-05 The data have been reformatted to correct a problem with the field width for RECIDNUM. All data files have been formatted to contain 1 record per case.
- 2005-11-04 On 2005-03-14 new files were added to one or more datasets. These files included additional setup files as well as one or more of the following: SAS program, SAS transport, SPSS portable, and Stata system files. The metadata record was revised 2005-11-04 to reflect these additions.
- 2000-11-02 A new version of this study containing data from New Mexico, California, Wisconsin, and Indiana, along with a 20-company pilot sample, has been supplied by the principal investigators. This version, Version M-5, completely supersedes the older versions of this collection. Also, parts for this collection have been renumbered.
- 1999-11-19 Logical record length data have been extracted from the SAS transport files for all parts, and SAS and SPSS data definition statements are now available for this collection. Also, the Combined Data has been broken into three parts (Parts 1-3) due to size limitations, causing the data files to be renumbered. Users should note that the variable counts given here reflect the actual counts, which differ from those given in the documentation. In addition, a file containing supplemental information has been added to the collection.
- 1999-01-26 A new version of this study, containing data for 16 additional states and the District of Columbia, has been supplied by the principal investigators. This version, Version M-4, completely supersedes the older version.
Related Publications
- List all ~15 citations associated with this study
- View citations for the entire series
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- Citations exports are provided above.
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If you're looking for collection-level metadata rather than an individual metadata record, please visit our Metadata Records page.


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Few space propulsion technologies have generated as much recent interest as the ion engine. This weekend, the ESA announced it will it an advanced ion thruster to propel an upcoming probe to study the planet Mercury.
The mission is named BepiColumbo after Giuseppe Columbo, a pioneering scientist in the study of Mercury. It will launch in 2013 and arrive six years later. BepiColumbo will be the ESA's first mission to the hot regions of the solar system well inside the Earth's orbit. While approaching Mercury, the spacecraft will have to endure extremely hot temperatures on its sun-facing side, and extremely cold temperatures on the side facing away from the sun.
One of the primary goals of the mission is to discover whether pockets of water ice exist on Mercury's cold, shadowed side.
The ion engine will be built by Astrium, a subsidiary of the European Aeronautic Defense and Space Company (EADS). It uses an electric field to propel ions, or electrically-charged atoms of xenon gas to extremely high velocities, giving it an efficiency far above that of chemical-based engines. Its performance, if converted into earthly units, would equate to 17.8 million miles per gallon.
Electro-propulsion specialist Howard Gray says, "Ion propulsion will be a key technology for a series of future long-distance exploration missions. Today's agreement puts British scientists and engineers in a strong position in Europe to take a lead role in adopting these systems for future spacecraft."


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Nokia's announced partnership
with Microsoft has already had an adverse affect on some, particularly Nokia
employees working on Symbian, because of what it means for the
future of software developers at the Finnish company. But it's also drawn critics
from another strategic partner of Nokia's -- Intel.
Nokia and
Intel had been close partners on a new mobile OS, MeeGo, which was supposed
to start replacing Symbian on
all Nokia N-series devices in 2010. However, Nokia CEO Stephen Elop delayed it
as the Microsoft deal was being worked out. Now, Nokia is shifting its focus
again, to Windows Phone 7 to power its smartphones, essentially leaving
Intel to go it alone with
Yesterday, Reuters reported on some statements Intel CEO Paul
Otellini said in a meeting with analysts in London. He said Nokia was offered
"incredible" amounts of money by Microsoft. Elop previously
said, "the value transferred to Nokia is measured in Bs not Ms" --
billions of dollars, rather than million.
wouldn't have made the decision he made, I would probably have gone to Android
if I were him," Otellini said. "MeeGo would have been the best
strategy but he concluded he couldn't afford it."
Otellini said Intel would forge ahead with MeeGo, and will find another partner
to replace Nokia. "The carriers still want a third ecosystem and the
carriers want an open ecosystem, and that's the thing that drives our
motivation," he said.


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"Beyond all the fashion and myth, Glenn Gould was a transcendental pianist. Even if all he touched turned to Gould (few artists are as recognizable across so many different styles) he nevertheless played with a heated passion of communication."Stephen Hough
The playing of Canadian virtuoso Glenn Gould provokes myriad reactions, from disquiet to awe. Seldom is there indifference. He is celebrated for his revelatory Bach interpretations, yet he cherished the music of the Renaissance, was stupendous in recordings of Beethoven concertos, and championed music of the 20th century. These well-annotated new editions combine his recorded legacy in exciting ways and add to the luster of a reputation that continues to shine, many years after his death.


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Read and rate reviews about Household Furniture. Compare prices on hundreds of brands and products. Find the sofas, chairs, closets, lamps, curtains, tables etc. which best fit into your house, taking into account the space and style of decoration. Post your own opinion on dooyoo. Compare prices and buy your new furniture online.
* Prices may differ from that shown


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Male Pattern Baldness
For men who have male pattern baldness, the worst part is the inevitability of it all. It has been known for thousands of years that hair loss for men is usually hereditary: If your father and uncles and grandfathers went bald, the odds were pretty good that you would, too. For many, the morning finally arrives when the evidence becomes clear that they are, yes, losing their hair.
The most common look of men who are losing their hair is something we've come to call "male pattern baldness." The scientific name for the condition, "androgenic alopecia" (which is Latin for "male pattern baldness). Studies have shown that the cause is usually genetic, specifically an inherited predisposition for the hair follicles to be sensitive to a form of male hormone called dihydrotestoterone (DHT). When men who have inherited this sensitivity reach a certain age - for some it happens earlier than for others - the hair follicles on their heads begins to react to the DHT and begin to shrink and slow down production of hair.
The classic pattern is a receding hairline at the front, forming what is sometimes called a "widower's peak," causing an "M" shape to the line. As the pattern progresses, the entire top of the head loses its hair, leaving just a fringe around the sides and back. All of this can take many years to occur, but the person who is going bald usually notices sooner rather than later that he is losing his hair. The first reaction, of course, is, "What can I do?"
That is the big question, and men, being men, have been attempting to "do something" for many centuries. The first, and most obvious, attempt at a solution to baldness was to rub something on their heads. In ancient Greece, they tried raw, sliced garlic, which not only didn't work but had its own issues. Since ancient times in India, various spices and oils have been used, also without effect. Archaeologists have determined that the Aztecs used a paste made from hot peppers. During the Middle Ages in England, goose droppings were applied to the balding area, although the logic isn't clear to us now; just as strange was the trend a few centuries later when the English tried rubbing on fat rendered from foxes. More recent American folk remedies have varied from applying rosemary steeped in warm water to washing the head in apple cider, supposedly with the idea that these cleansed the scalp of excess oils and kept the hair roots clean and able to "breathe."
Oddly enough, there is one folk remedy which does seem to have some effect: coffee. Shampooing what hair remains with cold coffee or even patting the pate with coffee grounds seems to at least slow down, if not stop, hair loss in men. How this was discovered remains a mystery (maybe someone got the idea that coffee would "excite" the scalp?), but the results were observable. Recent studies have shown that the caffeine in coffee can block DHT to some degree, so there is an actual scientific basis to the coffee treatment. The operative word, however, is "treatment" and not "cure."
It wasn't until the 1990s that two drugs were discovered which have been scientifically proven to stop and even reverse male pattern baldness. The first, called minoxidil (marketed under the name Rogaine) is applied topically (rubbed onto the scalp). The other is called finasteride (marketed as Propecia and Proscar) and is taken in a pill form to actually interfere with the production of DHT. Use of either of these drugs has been shown to be effective. In both cases, however, the effects only last as long as the medication is used. Once you stop using them, you're back to square one. Some people also experience unwanted side effects. For those who are sensitive to these products, there are alternative scalp treatment solutions which help to promote healthy growth and reduce fallout. Hand-held laser devices are also available as an alternative to topical treatments. They work by stimulating hair follicles and thereby promoting growth without the side effects of topical treatments.
These over the counter products are as much an option as hair transplants, weaves, toupees or even the old stand-by, the buzz-cut. Whatever you choose, at least you'll have the satisfaction of knowing that you are taking charge of the situation. As inevitable as male pattern baldness seems there is one thing you can do that will make a great deal of difference: take care of the hair you have left!
Neglecting your remaining hair can actually speed up the process of hair loss. Treasure those last strands during their brief existence on earth. Shampoo with a good effective product to keep your follicles clean and clear of excess oils and dead skin cells. It is possible, after all, to be both bald and have dandruff. Use a conditioner to keep the luster and healthy appearance of your hair. There are specialized shampoos and conditioners which nourish the follicle and help increase circulation in order to promote healthy growth so take advantage of the resources available. You'll look and feel better.


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© 2010 MLB Advanced Media, L.P. All rights reserved.
McCann-do spirit nets MVP honors
Catcher first Brave to win All-Star award since McGriff in '94
By Barry M. Bloom / MLB.com
ANAHEIM -- Brian McCann knew he had the hopes of the National League on his shoulders when he came up to bat with the bases loaded and his team trailing by a run with two outs in the seventh inning.
"This is something you dream about," he said. "I mean, to be in a situation like that -- just to be in the game, to share a locker room with these guys -- as a kid, this is what you dream about when you play baseball."Well, sometimes dreams do come true. The Braves catcher slammed a double down the right-field line at Angel Stadium against left-hander Matt Thornton to clear the bases, accounting for all the NL's runs in a 3-1 victory over the American League, its first since 1996. McCann, the backup to Yadier Molina, was named the Ted Williams All-Star MVP presented by Chevrolet, the first member of the Braves to be awarded that honor since Fred McGriff in 1994. The black bat McCann used is on its way to the National Baseball Hall of Fame in Cooperstown, N.Y. And for the first time since the rule was enacted in 2003, the NL will have home-field advantage in the World Series by virtue of winning the All-Star Game. "The game counts," McCann said. "It means more to me this year than years past, because we are in first place. You think about it more when you're sitting in that position instead of coming here 10, 12 games out. Home-field advantage is exactly that. It's a home-field advantage." This year, the last as manager for Bobby Cox, who said he's retiring, the Braves came into the break in first place in the NL East, leading the Mets by four games and the Phillies by 4 1/2 games. The Braves have 74 games left to play, so there's no telling what might happen. But if they go to the World Series for the first time since 1999, the Braves will have McCann to thank for doing what he did on this warm summer night. "You just come and play, you think about it afterwards," McCann said. "I'm sitting here now and reflecting on it, and it's nice to be in first place and it's nice to have a chance to hopefully play in the playoffs and go further. So right now, this is a good feeling." McCann was on the bench when NL manager Charlie Manuel sent him up to pinch-hit for Molina against Justin Verlander with two outs and runners on the corners in the fifth inning. Manuel, who managed the NL to another loss in St. Louis in 2009, knew what he had to do. "It's tough, because Molina is a very good defensive player," Manuel said about the decision. "I've been in this game the last two years and we have had trouble scoring. McCann [generates] more offense than Molina, and that's why I put him up there." It was a rough six-pitch at-bat, but in the end, McCann flied out to right, ending the threat. "You're facing Justin Verlander and that's not an easy at-bat," McCann said. "He beat me on a fastball, 97, 98 [mph] up in the zone. So I was just glad to come back on my second at-bat." In the seventh, AL manager Joe Girardi opened with Phil Hughes, who allowed a pair of singles with one out. In came Thornton. Pinch-hitter Chris Young popped out, and Marlon Byrd walked on a tough full-count pitch to load the bases. McCann knew that it might be the NL's best and last chance to win the game and that he had to come through. "You see the quality of arms that both [leagues] are throwing out there on a nightly basis," McCann said. "That's why it's the year of the pitcher. I can speak for my division. You have to face Roy Halladay and Josh Johnson, and every single night you're going out [against] quality arms. Everybody knew [this] was going to be a low-scoring game." McCann fouled the first pitch down the right-field line and was just praying that it would get in the stands, which it did. The next pitch, he smacked into the books for all eternity. "Thornton has got one of the best left-handed fastballs in the game," McCann said. "I sat on the fastball and tried to get my hands going a little early. I got a pitch to handle, and luckily, I didn't miss it."
Barry M. Bloom is national reporter for MLB.com and writes an MLBlog, Boomskie on Baseball. This story was not subject to the approval of Major League Baseball or its clubs.


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text:
This thread will most likely be flamed by Minato fans but I'm going to go ahead anyway. This thread is to show why A beats Minato(or draws if Minato uses Reaper Death Seal)
Fourth Raikage vs Fourth Hokage
4th Raikage's Abilities
-Lightning Armour
This wraps A in a layer of lightning chakra that is used both offensively and defensively. It also gives A an insane boost to his base speed which is already incredibly fast. This is the jutsu that will be the most useful against Minato. None of Minato attacks are able to bypass this armour. Neither his kunai or his rasengan will be able to penetrate. The lightning armour managed to completely negate the damage of a Chidori Kusanagi aimed at his back which has been shown to have more piercing power than the Rasengan.
A is probably one of the most durable characters in the series. He took two lariats to the chests from Killer Bee and a third one only knocked him down. He easily withstood having his arm set on fire and amputated his own arm without flinching. He survived Mabui's Transfer technique(which was said that only the 3rd Raikage who is known for his durability) with no injuries even without Lightning Armour. Even Tsunade who is durable herself was ripped up pretty badly by it. Minato's strongest offensive move is rasengan and is not a piercing type of move.
A possesses immense physical strength and is able to lift heavy weights with one hand and shatter a cliff with a punch. Also is able to snap the Executioner's Blade. Killer Bee also stated that he was the first person to deflect his Bijuu cloak.He is capable of breaking through Susanoo and he has done so twice. On Sasuke's part 1 susanoo and Madara's part 3(with Onoki's help.) When he was younger A cut of one of the horns of the 8-tails which knocked it to the floor . Naruto said that his punches were immensely strong and that he couldn't tank two of them even in Chakra Mode. One punch would be enough to kill Minato.
This is the category were A shines in. His speed is phenomenal and unlike Minato he uses actual foot speed. Which is a better achievement than Minato's speed because A trained for it. Even though A is incredibly fast Minato still outshines him in this area. With his speed he was able to zoom up to Minato and got so close that he basically clipped his nose with his fist. I also believe that the 4th Raikage has the same reactions than Minato because A trained for his speed and uses footwork which his body and brain would need to keep up with.
-Chakra Levels
The 4th Raikage has crazy chakra levels and the only other non-bijuu in his league would be Kisame. Karin, one of the best sensors in the series, said that his chakra levels could be compared to a tailed-beast and I think that he probably even has more chakra than the first few tailed-beasts.
Though A does not specialize in ninjutsu he has shown that he is able to concentrate lightning into his hand and use it as a slicing attack. He used this to amputate his arm clean off and slash off the 8-tails horn.Minato's Abilities
The rasengan is Minato's only offensive Ninjutsu but he uses in really well. He can combine this with FTG to combine a deadly combo. The fact that it requires no seals allows him to combine it with FTG easier. Minato's rasengan is larger than Naruto's normal one and is roughly the size of Naruto's Odama Rasengan. However it will not be able to pass the
4th Raikage's defence due to it being an attack that uses blunt force rather than a stabbing attack. Minato also has the summoning jutsu which allows him to summon toads. However if he tries to use the foodcart destroyer on A then it will just be a waste of chakra since he will easily be able to dodge it.
-Space/time jutsu
Minato was famous for his unique space–time technique, the Flying Thunder God Technique, which essentially allowed him to teleport to any location. I believe that FTG however is very limited because Minato needs a kunai at that position to teleport to it. His teleportation is able to outshine other speed monsters like Naruto and A. Minato can also form a barrier that can redirect incoming long-range attacks even an attack as powerful as TBB from the 9-tails.
Minato was quite proficient in sealing (fuinjutsu) and had an Uzumaki(who are known for their sealing) as a wife.
Minato is able to use complicated sealing jutsu's like the 8 trigrams seal and the 4 symbols seal which Killer Bee stated was more intricate and durable than his own seal. Minato's ultimate sealing move is the Reaper Death seal which seals both Minato and his opponent.
Minato is one of the smartest in the series and is also very strategic. He was able to work out Tobi's weakness and even managed to do something with that information. He is also able to keep calm in difficult situations as when Tobi had the upper hand in their fight.How the 4th Raikage would beat Minato
1) Can tank all of Minato's attacks
A can tank all of Minato's attacks and most of his sealings will be useless against A.
2) A only needs one attack
A only needs one attack to connect with Minato to win the fight. While Minato would need loads to even start injuring A and when one of A's punches is that close
to hitting Minato.
3) Minato unable to tag A
Minato would be unable to tag A with a seal because of his Lightning Armour and if he tried to he would get electrocuted.
4) Special theory
If A breaks one of Minato's kunai and then dashes at him and Minato tries to teleport to the kunai(that A has broken) and it will fail. And that split-second that his teleport fails A could hit him. Also Minato is not able to feel if one of his kunai is broken.
5) Large scale attacks could mess up Kunai
Large scale attacks would mess up the positioning of Minato's kunai and might even teleport him in front of A's attack. Also if he smashes the ground near him then could stop Minato from teleporting into his immediate vicinity. And if one of his kunai goes underground and Minato teleports to it then he would have killed himself.
6) Speed Blitz before Kunai's are ready
In the fight they had in the manga A waited for Minato to get out his Kunai and scatter them around instead of just rushing to him before he got his Kunai ready. This was because of plot.
7) A could use Gamabunta against Minato
A could severely injure Gamabunta with a few of his full power punches and he is capabale of doing so since he was able to slam the 8-tails onto the ground. A could even use Gamabunta against Minato because his attacks are very devastating and would destroy some of Minato's kunai. Minato doesn't have the strength to stop A's assault on Gamabunta and is not stupid enough to try.
8) Which will last more A's endurance or Minato's stamina ?
A has more chakra than Minato which would potentially help him to outlast Minato since he would soon run out of chakra dodging all of A's attacks. So even if A doesn't hit him Minato could still lose because of exhaustion. Minato will no doubt manage to hit the 4th raikage a number of times but the amount of times both of them need to hit eachother to win the match is too large. Remember A only needs one hit to win while Minato would need dozens to even injure A. If the fight lasts long then it would come down to stamina which A wins in.
But Minato could use Reaper Death Seal which would end the fight in a draw.
So this is the end of my thread. . Hope you enjoyed it and even if you don't agree with it please respect the effort I put into it.
Thanks to Negative Knight for helping me with some points even though he doesn't agree with me


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Let's end the month with a win, shall we?
The Suns won't be any pushover, they're probably going to try and redeem themselves after the 40 pt loss to Detroit.
Lowry hopefully goes ham against his former teammate and PG competition Goran Dragic.
Unexpected reunions are:
Jermaine O'Neal...
and PJ Tucker, who we drafted back in 2006 (35th pick) and has been out of the league for a while.
(Discuss and stuff)


text:
Ever wonder how an authentic loving relationship looks? Have you asked yourself lately, "Am I in a genuine loving relationship or not?" While endless descriptions of exhilarating romantic passion abound, authentic love encompasses contrasting features.
Simply stated, authentic loving relationships develop accountability for each person involved without anyone feeling the need to punish or be punished for making mistakes. As we develop accountability, we discover our need to acquire insight into ourselves and our behavior, taking time to reflect, growing increasingly aware of our relationship's needs. We willingly play fair, engage in honesty, and obey one another's ground rules. Yet, because of our feeble human nature, we sometimes fall short by not taking necessary time to acquire insight and awareness, and we quit playing fair, begin acting self-servingly and deceptively, and disobey the ground rules. Luckily we know that we can openly confess our failure to our beloved without fear of reprisal in hopes of pardon and reconciliation, re-embracing accountability, thus restoring our love.
This is to say, every loving relationship demands effort. It takes effort to find time and then to spend that time reflecting on our loving relationship to increase our insight and awareness. Playing fair can try us at times, requiring more exertion than we expected; yet, through reflection we can recognize our behavior, saying to ourselves, "I can see how wanting to play by my rules torpedoes fair play." Staying honest can sap our patience, and we say, "Oh, come on. Give me a break tonight. I don't want to explain everything." Yet, spending time assessing our impatience promotes healthier future responses. And obeying ground rules might oblige us to annoyingly suppress our sense of urgency, like when we come home from work, we might want to blurt out, "Dear, I have something really important to say." However, our ground rules stipulate that before blurting out what we want to say, we agreed to greet one another with something like, "Hello. How are you, my love?" Taking time to ponder the ground rules can assuage our annoyance, making for more loving communication the next time. Frankly speaking, however, our efforts to maintain a loving relationship over time can eventually overwhelm us, weakening our tender bond with one another.
Such an ever weakening bond, caused by lack of reflection, undermines tenderness. Kisses deteriorate into pecks. Holding hands becomes passé. Welcoming eyes dim. Criticism flourishes. Eventually, love plummets from the relationship; and, plummeting with that love also goes accountability, fair play, and obedience to ground rules. Before long we find ourselves left with two choices: we either put forth effort to reflect, repent, pardon, and renegotiate, or we quit one another's presence.
So goes the history of Judeo-Christianity. As far back as the Book of Genesis, biblical literature recounts one episode after another, illustrating how both God and our ancestors put forth enormous effort to sustain their loving relationship with one another. From the beginning of time, when the Spirit of God hovered over the waters of chaos, to the end of time, with its contests between good and evil described in John's Book of Revelation, biblical authors churned out countless accounts portraying how God and humanity struggled, still struggle, and will continue to struggle with each other to keep love alive, sacrificing gallons of blood, sweat, and tears to develop strength of character and patient endurance to find time and to spend that precious time reflecting upon the value of love between Creator and Creation.
Can the pastor offer any wisdom about how to keep loving relationships alive and healthy?
When it comes to loving relationships between one person and another, "A stitch in time saves nine."
Put another way, in order for human beings to sustain loving relationships with one another, best sew one stitch early to keep each other together today than face undesirable consequences later - consequences requiring multiple stitches to repair your torn relationship if possible. A few minutes daily, engaging in reflection to gain insight and awareness concerning your relationship's needs, prevents hours, days, weeks, months, or even years of seemingly endless agony. When it comes to humanity, if reflection and dialogue with one another suggests that your loving relationship can survive, so be it. Renegotiate, repent, forgive, pardon, and collaborate. On the other hand, if love fails resuscitation after exhausting every hopeful possibility, each partner can lament love lost; and, so be it. As you part, truly wish each other well before moving on, averting melodramatics, heartbreak, or punishment prevalent when love cannot be resurrected between two people.
In contrast (and happily so), because God always loved us first, then forgiveness, pardon, and reconciliation abound ceaselessly, forever able to renew our love for one another, even when we frail beings feel too weak to continue our efforts and fail to keep strong. (See 1 John 4:19 "We love because [God] first loved us." [English Standard Version]). Living in a loving relationship with a God who always takes time to consider loving relationships with Creation and Its inhabitants and who fervently loves us regardless of our limitations, forever proffers hope in resurrecting seemingly lost love - an optimism always expectant of tenderness resurfacing. Even when we stray from God's love, as far as God sees it, Prodigal Sons and Daughters always merit welcome home parties.
So. Does this help you decide if you find yourself in an authentic loving relationship? I hope so, because loving relationships between people and loving relationships between people and their God do the most to make living life worth the effort.
Pastor Tom came from Christ United Methodist Church in Salt Lake City, Utah to Cortez, where he pastors First United Methodist Church. He's a graduate of Eden Theological Seminary and Johns Hopkins University.


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Any person who is sexually active can be infected with genital herpes. Abstaining from oral, vaginal, and anal sex is the most assured way to remain uninfected. However, if you are sexually active, there are steps you can take to help reduce your risk of becoming infected with genital herpes:
- Have a mutually monogamous relationship with an uninfected partner.
- Always use a latex condom during all sexual activity. Proper and consistent use of condoms is important in order for them to be effective.
- Avoid kissing and oral sex if your partner has cold sores. Herpes simplex virus 1 (HSV-1) can be spread to the genital and anal areas through oral sex.
- Avoid risky behaviors, such as unprotected or anonymous sex.
- Know your status and your partner's status. Openly discuss sexually transmitted diseases (STDs).
- Have regular checkups and get any recommended screening tests.
- Behavioral counseling may be advised if you are a sexually active person who engages in risky sexual practices.
- Talk to your doctor about your risk factors and any concerns you have about STDs.
STD testing is the best way to monitor your status and your partner's status. Don't let the cost of healthcare deter you from knowing your status. Many local clinics and health facilities offer free screening tests.
Revision Information
- Reviewer: James Cornell, MD
- Review Date: 06/2016 -
- Update Date: 06/06/2016 -


text:
marked yet another failed
attempt to plug the oil leak in the Gulf of Mexico. BP's top
kill procedure used more than 1.2 million gallons of mud to
suppress oil into the well 5,000 feet below surface in hopes of
sealing the well permanently with cement, but most of the mud ended
up escaping out of the damaged riser.
scares everybody, the fact that we can't make this well stop flowing,
the fact that we haven't succeeded so far," said BP PLC Chief
Operating Officer Dough Suttles. "Many of the things we're
trying have been done on the surface before, but have never been
tried at 5,000 feet."
the Deepwater Horizon drilling rig exploded and the oil leak began
six weeks ago, BP has tried and failed with several attempts such
as robot
submarines to close valves on the blowout preventer, large
and small-sized domes to contain the leak, a one
mile long siphon that only collected 900,000 gallons of oil
and now, a failed top kill procedure. According to government
figures, between 18 million and 40 million gallons of oil has been
spilled into the Gulf.
these failures, BP already has a new
plan in motion. The next step is to use robot
submarines to cut the riser where the oil is leaking and try
to cap it with a containment valve while using a new pipe to siphon
oil up to containment ships on the surface.
says that "cutting off the damaged riser isn't expected to cause
the flow rate of leaking oil to increase significantly," though
experts have mentioned that the bend in the riser was likely
restricting the flow of oil and cutting it and adding a new
containment valve could
be a risk.
confident the job will work but obviously we can' guarantee success,"
said Suttles.
new plan will take between four and seven days to work before BP can
report whether it's a success or failure. According to Philip W.
Johnson, an engineering professor at the University of Alabama, if BP
"can't get that valve on, things will get much worse" and
that the new plan is "a scary proposition."
addition to this new effort, a relief
well is in the works which should be completed in August of this
year. A major concern for BP is that hurricane seasons begins
Tuesday, and they're hoping the weather cooperates while they work on
the Gulf.
we are trying to do is create an engineered solution so that we can
remain on station essentially through, not perhaps the heart of a
hurricane, but through the very rough weather associated with a
hurricane somewhere in the Gulf," said BP CEO Tony Hayward.
as BP readies for the next plan of action, Louisiana residents remain
disappointed and are as
angry as ever. Hundreds of protestors gathered in New Orleans to
speak out against BP's continuing failures.
a little upset that the perpetrators of a crime that killed 11 people
are still in charge of the crime site," said local musician Dr.
John, an impromptu speaker.


text:
They profiled a ton of players, here's three of interest:
Bradley Beal, SG, Florida
Beal came into the season ranked No. 5 on our Big Board and after a rocky start to the season, he came on as Florida's best player in the tournament. He had one of his best games of the year against Marquette, scoring 21 points, shooting 8-for-10 from the field, grabbing six boards, handing out four assists and getting two blocks and two steals. He showed off that all-around game that has some scouts comparing him to Eric Gordon with a higher ceiling. Florida lost a heartbreaker versus Louisville in the Elite Eight, but Beal played well there, too. If he declares, he remains a virtual lock for the Top 5. We've moved him up to No. 3 overall on our Big Board.
Kendall Marshall, PG, North Carolina
Marshall didn't play one minute this weekend and his draft stock still took another major jump. Why? Because without him orchestrating things from the point, North Carolina's other six high school All-Americans struggled to get any semblance of an offense going. Marshall's unselfishness can sometimes get lost when he's on the court. But when you saw players like Barnes and John Henson try to create without him, they looked very ordinary. It's not inconceivable that if Marshall declares and his broken wrist is healed, he could be the first or second point guard off the board and go somewhere in the 9-to-14 range.
Harrison Barnes, F, UNC
At this stage in the game, it's pretty hard for a top prospect to really do much damage to his stock. These are high-pressure games and no NBA scout is going to base an overall performance evaluation on one or two contests. With that said, Barnes' struggles this weekend without Marshall on the floor were alarming. He struggled to create any offense for himself, was often left taking off-balance jump shots and, with the exception of a hot streak toward the end of the first half versus Kansas, didn't look anything like the special player we all believed he could become. Barnes ended up going 8-for-30 from the field and, for the most part, it looked worse than the box score suggests. We've known for a while that Barnes struggles as a ball handler and can be one-dimensional, but without Marshall setting him up in the spots he wants to get to, he just isn't able to do too much.
With all of that said, a number of GMs still believe he can be a very effective weapon at the NBA level. His size and shooting ability for his position are good. Put him on the right team, with the right point guard, and don't ask him to be a superstar, and Barnes could still have a very effective NBA career. I don't think he's a franchise-changer, but if he continues to develop, Danny Granger or Luol Deng might be his upside. If he doesn't live up to his potential? Maybe he is the second coming of Martell Webster.


text:
http://thestar.blogs.com/raptors/I see in Daves notes that Dino Meneghin, an iconic Italian star, was at the game in his role as president of the countrys basketball federation, trying to convince Bargnani, Belinelli and Gallinari to play for Italy this summer.
Word is that he didnt get a yay or a nay from any of them and it looks like were headed for another summer questioning whether key Raptors should play for their countries or not.
So lets get this out there right now: Yes, if they want to, they should. Without question.
Just like Turk should play for Turkey, Bosh for the United States, Jose for Spain and if Rasho shocks us by making a Slovenian Comeback, he should, too.
Well have this debate a lot, Im sure, because the whole theyre-main-obligation-is-to-the-team-that-pays-them-the-most issue wont ever really go away.
But its really quite a simple decision to me: Representing your country is one of the greatest things an athlete can do; Im not sure some people understand that, but it is.
And they should.
If they want.
You can put me in the theyre-main-obligation-is-to-the-team-that-pays-them-the-most side of the argument. IDK but it really irks me to see players off playing in an arguably unimportant tournament and risking getting injured when they should be using that time to rest and recuperate from the rigours of a long and hard NBA season.
There are many examples of an NBA player participating in some tourney in the off season and it backfiring. Just look at Turk who played for his country in the summer and came back to the Raps unable to play because of fatigue. Did BC and management, and us fans, since we support the team in various ways (merchandising, ticket sales etc.), pay Turk $53 mil to come back and be unable to play, so he can play in some tourney he didn't really need be in? My understanding is that Turkey automatically qualified for the FIBA World's since they are the host country. Look how long it's taken him to adjust. And you can argue that he still looks out of shape. Looking into the future, how fatigued will he be after he plays at this summer's World's? By the time the 2011 playoffs come around, he'll have played 3 years straight without a break! I don't want to imagine what condition his 32 year old body will be in at that time.
Same thing with Pau Gasol. He came back from the qualifiers unable to play due to injuries and fatigue. The list goes on.
Jose decided to do the right thing this past off season and rest his oft injured body for his sake and the teams'. Kudos to Ocho for making the right decision. No doubt it was a tough one but the right one to make. IMO athlete's owe their employer who is paying them millions, to be in the best condition possible for the team.
I wish more GM's would take Mark Cuban's stance on this dilemma and just put their foot down and say no to playing in the off season. Cuban did not allow Nowitzki to play for Germany in the FIBA qualifiers this past summer. It may be an unpopular decision, but again, it is the right one imo.
Now an argument can be made for allowing younger players to participate in off season tourneys to help their development, and because they are younger their bodies can handle the load better. I might be inclined to agree-as long as there is some kind of insurance policy in place. But when it comes to the "older" high priced stars, who are integral to the team, I say no.
As for Il Mago and Belli-should they play for Italy this summer. In Il Mago's case, even though he is still young, big men's bodies tend to break down quicker, so I say let him rest. He logs heavy minutes throughout the season and is developing nicely without having to play for his country. Belli on the other does not log heavy minutes and playing for Italy might help him develop and refine his skills. I would still be cautious about letting one of the Raps "core" players go.
What are your guy's thoughts on this dilemma? Should players be allowed to participate in off season tourneys to fulfill the need of national pride at the risk of getting injured? Should it be determined on a case by case basis? What are you two cents?


text:
Articles from RotoWire's fantasy archives that mention Usama Young's name.
October 21, 2014
Weekly Rankings: Week 8 Value Meter
Antonio Brown continues to be money in the bank every single week, even when the rest of the Steelers' offense falters.
December 26, 2012
Weekly Rankings: Week 17 Value Meter
Should you sit your Falcons, Bengals and Colts this week, with those teams having clinched their respective playoff seeds?
August 14, 2011
2011 Browns Preview: Will McCoy Have Receivers?
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text:
The Cortez Middle School Band would like to sincerely thank Mr. Jim Price of Cortez for the very generous donation of three new instruments last month. This is in addition to the two new instruments he donated last year. These instruments will help many students participate in band who might otherwise be unable to play in band due to financial constraints. Donations of used instruments are still being accepted at the middle school. Thank you so much to Mr. Price from all of the band students at CMS!
Andrew Campo
Cortez Middle School


text:
23 wins in a shortened season.??
Quote from SLAM:
The Raptors are a pretty unique team. While nobody was looking, theyve stockpiled a pretty solid roster, top-to-bottom.
Someone will call this question to be premature. However, it doesnt matter - here it goes.
I say Raptors go .500 +/-2gms with present roster. How many wins do you think Raptors will end-up with?


text:
French police break up international burglary network with support from INTERPOL and Europol
Nearly 20 individuals suspected of being part of a network of Georgian nationals linked to hundreds of burglaries and thefts across Paris have been arrested following an operation led by French police and supported by INTERPOL and Europol.
The suspected ringleader of the group, a Georgian national wanted by Swiss authorities after escaping from prison, was among those arrested as part of the investigation led by France's Office Central de Lutte contre la Délinquance Itinérante and the Service d'Investigation Transversale a specialist crime unit in Paris.
The criminal network is believed to be responsible for a series of residential and commercial thefts across the French capital and its suburbs. During the operational phase, an INTERPOL Incident Response Team deployed to Paris assisted in the identification of those arrested through fingerprint scanning, provision of access to INTERPOL's global databases and message exchange with its National Central Bureaus (NCBs), with significant support provided by NCB Tbilisi.
During the investigation, Europol provided on-the-spot support through forensic analysis of seized phones, exchange of criminal intelligence and cross referencing of seized data/intelligence against their databases via a mobile office.
This is the second such investigation led by French authorities supported by INTERPOL and Europol, with similar operations already planned for the future.


text:
Theresa Portillo Sentenced to 6½ Years in Prison for Looting Feminist CU
The Dallas Morning News reported that Theresa Portillo, who embezzled $3.4 million from the failed $2 million Women's Southwest FCU, was sentenced Friday to 6 ½ years in prison after pleading guilty to the crime in January.
The NCUA liquidated the Dallas-based credit union in November. According to the FBI, Portillo sold 18 credit union-owned certificates to other institutions and pocketed the proceeds, using the cash to buy nine properties in the Dallas area, a Mexican time share in Cabo San Lucas, jewelry, vehicles, vacations, and pay bills for herself, family members and friends.
Portillo was also ordered by pay $3.4 million in restitution and agreed to forfeit the properties and jewelry she illegally obtained.
Women's Southwest FCU was one of several feminist credit unions that were chartered in the early 1970s to provide women with credit in an era when women could not typically acquire a loan in their own names.
The Dallas credit union was formed when local activists, attending a lecture by Gloria Steinem in 1973, asked the Ms. Magazine editor how they could assist in the women's movement.
"Start a credit union," she said, according to the shuttered credit union's website.


text:
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Submit News
Judge Refuses Apple's Request for Preliminary Injunction Against Samsung
Jason Mick
October 14, 2011 11:38 AM
Recipient E-mail
Sender E-mail
Final ruling is still pending; Judge believes that Samsung infringes, but Apple's patents are questionable
For the
world's largest phonemaker
and world's largest Android phonemaker, Samsung Electronics Comp., Ltd. (
) some good news finally came in its lawsuit war [
] [
] with Apple, Inc. (
). After seeing its flagship Galaxy Tab 10.1 banned from sale
in Germany
(on the grounds of design patent infringements) and
in Australia
(on the grounds of technology patent infringements) it has scored an early victory in arguably its most important court battle in the U.S.
I. U.S. Federal Judge to Apple: No Injunction for You!
On Thursday,
Judge Lucy H. Koh
, a justice in the
Northern District Californian federal court
, denied Apple's request to ban sales of Samsung's product for now, on one of its four patent claims.
Specifically Judge Koh commented that an injunction was not warranted based on Apple's sole technology patent in the case,
U.S. Patent No. 7,469,381
. She called her decision on the patent, which covers document scrolling "tentative" and said she would issue a final ruling "fairly promptly". She comments, "It took a long time to make that distinction"
' court reporter
that the judge commented that she felt Samsung did infringe on Apple's patents, though the report does not clarify whether she indicated which patents she felt were infringed -- the three design patents, or the sole technology patent. On the other hand, the report says the judge complained that Apple is having problems establishing the validity of its patents.
II. Apple's List Scrolling Patent and Samsung's Violation
The technology patent by Apple claims ownership to temporarily displaying a non-active region to a document, such as a webpage or list, when scrolling, zooming, or rotating. Our testing indicates that in Android 2.3 Gingerbread -- the OS on the Galaxy S smartphone named in the suit -- that such a capability is indeed present in some places.
In the Gallery app when you scroll downward part of a black empty row is shown when you reach the end of the list of pictures and keeps scrolling. When you release, the list bounced back to the last row.
Samsung/Google's "slavish" infringement [Gallery App]
This scrolling feature is
found, based on our testing, on webpages in the built in browser. However, a similar feature -- also covered by Apple's patent -- is present. When you zoom out, you will see gray around your webpage when you reach the edges of the document. Releasing the zoom pinch will bounce the document back to full screen, as mentioned in the Apple patent.
Samsung/Google's "slavish" infringement [Browser App]
This patent seems relatively obvious in that it basically covers an animation and if GUI animations were broadly patentable video games as we know them couldn't exist today, software would be litigated into oblivion, and the web would be a ghost town. That said Samsung will need to follow the path of obviousness and invalidate Apple's patent in court, as it clearly does use the animation technique covered in this patent.
If Samsung cannot do that for some reason, it should be relatively trivial to remove this feature as the animation does not significantly improve the Android experience in our opinion.
(As a technical note it is operating system maker Google, Inc. (GOOG) who created the infringing design, but Samsung uses Google's OS so is being sued by proxy.)
III. Apple's Design Patents
Now that Judge Koh has tentatively denied Apple's motion for a preliminary injunction regarding the utility patent, the question becomes what she will do when it comes to the design patents --
U.S. Design Patent No. D618,677
, and
The first two patents cover the design of the iPhone 4 and iPhone (original), respectively.
The validity of these patents could be question mainly from the perspective of Apple's broad application of them.
Below we have diagrammed the differences between the iPhone designs and Samsung's Galaxy S, which Apple claims "slavishly" copied the iPhone. Specifically note that the folowing features are different:
Button count and placement
Side profile of phone (note the lip on Samsung's design)
Size of screen and general phone size.
Logo/name placement on body
Similar differences can be found between the Samsung Galaxy Tab 10.1 and the iPad, an early version of which is covered in the final patent. We've detail these differences between the patent, the actual iPad, and the Galaxy Tab 10. below, which include:
Only Galaxy Tab 10.1 has a camera (compared to the original iPad).
The thickness in the design patent doesn't match the thickness of the iPad or Galaxy Tab (please measure this in an imaging software, in pixels, if you don't believe us).
Bezel sizes don't match between any of the three designs.
Connectors and buttons on the side are different.
Screen sizes and aspect ratios are different.
Only the iPad has a home button.
All tablets are clearly and unambiguously branded.
The back color doesn't match.
Really when you look carefully from an artistic perspective (presumably the criteria for merit on a design patent) in both the tablet and smartphone cases the biggest visual similarities are simply the general form factor (thin rectangles) and the color scheme. In this sense the devices are somewhat similar in looks.
There was a bit of court room drama that's gathered much attention in which Judge Koh held up the Tab and iPad and asked Samsung's lawyer Kathleen Sullivan to identify her company's product. Ms. Sullivan reportedly could not tell them apart at that distance (it was unclear if Judge Koh was covering the iPad's home screen button).
At that point Judge Koh asked, "Can any of Samsung's lawyers tell me which one is Samsung and which one is Apple?"
At that point one of Samsung's other lawyers finally coughed up the correct response.
While the incident was certainly humorous, it's important to not put too much weight in such court room drama, lest it leads one to misleading conclusions. One need only remember the controversial O.J. Simpson/Johnny Cochrane "if the glove doesn't fit" showmanship to realize that.
While the designs are somewhat similar in a very general sense, it seems a slippery slope to grant Apple broad ownership of such a design for two reasons. First, it would create ambiguity of exactly how broad Apple's design ownership is. Second, it would essentially grant a monopoly on the state of the art smart phone and tablet form factor to Apple.
Given the radical differences in the designs, it would seem if the designs are found to "infringe" that only Apple can make thin rectangular smart phones and tablets. This kind of ruling could have a catastrophic effect on many emerging electronics markets. After all, if this kind of standard was applied to the PC industry, Dell, Inc. (
) and Hewlett-Packard Comp. (
) could be suing each other and Apple for copying each others' "general form factor".
Clearly this kind of broad design ownership hasn't been granted in other electronics markets, so it seems doubtful that Judge Koh will rule this way. But stranger things have happened.
IV. Looking Ahead
In the U.S. patent battle, a final ruling on the preliminary injunction request with respect to all patents will soon be issued. Given the pressure from wireless carriers Verizon Communications, Inc. (
) and Deutsche Telekom AG's (
) T-Mobile USA [
], and Judge Koh's previous statements, it seems likely that Apple's request will be denied.
The question then will become whether Samsung can successfully invalidate Apple's patents, or at least escape a design infringement ruling (as the utility patent's infring features could easily be removed). Also pertinent is whether Samsung can succeed in its counter claim, which sues Apple on the grounds of infringing on many of its 3G communications patents.
There's also been recent action in the Netherlands and Australian arenas, we will update you on this shortly.
"If you can find a PS3 anywhere in North America that's been on shelves for more than five minutes, I'll give you 1,200 bucks for it." -- SCEA President Jack Tretton
Related Articles
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Samsung is Only Profitable DRAM Maker, Eyes Smartphone Sales Lead
October 7, 2011, 12:24 PM
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September 29, 2011, 8:16 AM
Verizon Sides with Samsung in Apple Legal Dispute
September 24, 2011, 6:15 PM
Samsung to Seek Sales Ban on iPhone 5
September 19, 2011, 10:03 AM
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text:
is the year of 3D entertainment by all accounts. 3D TVs and Blu-ray
players are coming to the marketplace and the consumer market is
starting to embrace 3D in the home. 3D films are also hitting
theaters in increasing numbers, raising the profile of 3D technology
even further.The biggest film to ever hit 3D and the most
successful movie at the box office ever was James Cameron's Avatar.
broke box office records around the world and the sales of the film
on Blu-ray are breaking
home entertainment records as well. James Cameron's name is
synonymous with 3D today thanks to the success of the Avatar
film.Cameron has now teamed up with NASA to help design
a 3D camera that will be placed aboard the next Mars rover
dubbed Curiosity. Curiosity is currently slated to launch towards
Mars in 2011. Plans for a 3D camera aboard the rover were reportedly
scrapped due to budget concerns earlier in the project.CNET
reports that Cameron stepped in and convinced NASA to include the 3D
camera on the rover. CBS
News reports
that Cameron explained to NASA administrators that a rover with a 3D
camera would help people connect with the mission. The new
3D camera is now being built by Malin Space Science Systems and lists
Cameron as a co-investigator in the project. The Curiosity rover has
the official name Mars Science Laboratory and it is being sent to
Mars to study whether or not the planet has or could support
microbial life.


text:
Mozambique seeks to enhance environmental security with INTERPOL seminar
MAPUTO, Mozambique ‒ Environmental law enforcement authorities in Mozambique have taken the first step towards improving environmental protection in the country, by holding an INTERPOL National Environmental Security Seminar (NESS).
The two-day (19 and 20 November) NESS meeting, hosted by the Ministry of Interior, was attended by officers from seven police agencies in the country, including the Department of Forestry, Wildlife and Environment, and the INTERPOL National Central Bureau in Maputo.
A NESS is the first step in the process of establishing a National Environmental Security Task Force (NEST), an initiative of INTERPOL's Environmental Crime Programme to bring together all national agencies with responsibility for enforcing environmental laws.
Critical issues such as illegal logging, illegal fishing and elephant and rhinoceros poaching were discussed during the seminar, as well as INTERPOL initiatives such as Project Wisdom and Project LEAF, which are actively supported by the International Fund for Animal Welfare and the Norwegian Agency for Development Cooperation.
To improve enforcement, the Mozambique authorities are working to criminalize environmental offences. The representatives expressed a desire to cooperate further with INTERPOL in order to advance environmental law enforcement activities in the country.
"This country's efforts are giving hope to all the African countries willing to find a solution for reinforcing their capacity in environmental law enforcement," said David Higgins, head of INTERPOL's Environmental Crime Programme.
The participants expressed their concerns about a lack of training on environmental law enforcement. In response, INTERPOL will intensify its support to Mozambique, for example through a capacity building session in early 2013.
"Mozambique is willing to progress in order to make environmental law enforcement activities a daily routine. Thanks to the upcoming law enforcement training, INTERPOL is glad to be able to actively support Mozambique's efforts," said Marco Araújo de Lima, Operations Manager with the Environmental Crime Programme.
During the seminar, INTERPOL alerted the local authorities to a new concealment method used for the illegal trade of rhino horn that was detected during a recent enforcement operation at the Maputo airport, in which six pieces of rhino horn were seized and one individual arrested.


text: 1 Libraries Gateway – Ellis Library TODAY'S HOURS: (Ellis Library) Open 24 Hours (MU ID required after midnight) more hours… Discover@MU Discover@MU: Articles, books, & other materials in one comprehensive search! Books & Media Find Books, DVDs… at MU TopicTitleAuthorEbooksDVDs MU Classic Catalog MOBIUS (Missouri Libraries) More Catalogs QUICK LINKS Contact Us Renew my books Request an item | ILL@MU form Reserve a study room Classic Catalog (MERLIN) Try these resources first Research by subject Course Guides English 1000 Guides Course Reserves LOOKING FOR? A database A specific journal A specific article A specific book How do I find? Ask the Librarians! Events, Classes & Workshops Apps & Tools Off-Campus Access Support the Libraries


text:
Season Passes
Get Ready for the 50th Anniversary Season by Purchasing your 2016-2017 Season Pass Now!
Whether you plan on skiing or riding several days each week, every powder day or just a day here and there, Powderhorn offers many economical options to help you get the most out of your ski season. With options ranging from half-day, full-day and multi-day tickets to season passes, we've got you covered.
The fun doesn't have to stop when the snow melts. We offer many activites during summertime such as downhill mountain biking, disc golf, weddings, hiking, and live music. The Powderhorn Pizza Pub menu is sure to satisfy your taste buds and create a beautiful scenery while you wine & dine. Come check out summertime at Powderhorn and let us take care of the rest!
Purchase your pass online or over the phone at 970-268-5700 ext. 2100.
View All Season Passes


text:
The Wall Street Journal has published a
report that claims Google is in negotiations to buy YouTube for an
undisclosed amount – some speculation has the price tag on the site
at more than $1.6 billion. A source familiar with the talks also
said that the current negotiations are at a "sensitive" stage and
could be halted or setback at any given moment.
While better technology allows larger
frames, higher frame rates and better resolutions, the acquisition
would make sense from a Google standpoint. YouTube's audience mixed
with Google's ability to market ads could put Google in a nice
position in the emerging market for video advertising. As of
September 30, YouTube has almost half of the online video search
market – serving more than 100 million videos per day.
The deal would, however, have some
downsides for Google. The first problem the company would have to
deal with is that YouTube has been facing pressure to clean up
blatant copyright infringement by its users. Universal Music, for
example, has claimed that YouTube owes the company "millions"
because of infringement.
A number of companies have been trying
to woo the YouTube co-founders into selling the company. Viacom,
which offered $750 million for Facebook last year, may have also
offered to purchase YouTube. Micorosft, Yahoo and the News
Corporation have also shown previous interest in YouTube.


text: The Pleasant View Fire Department would like to announce that the winning 2012 Buffalo Hunt raffle ticket was #379, sold to Brandon Oliver of Cortez. We would like to thank all who bought tickets and donated. Special thanks to Neely Bison and Diamond D for their support. Thanks also to Yoders Auto, Pleasant View Mercantile and Greenline Equipment for helping to sell tickets. A big thanks to Big R for letting us set up a table inside to sell tickets. Some more thanks to the KRTZ family and the Cortez Journal family for their help in getting the word out. Thanks to all and keep a lookout for us in two years.


text:
Following Polar web services use the same user account:
- Polar Flow web service
- polarpersonaltrainer.com
- Polar product registration
- Polar Discussion Forum
- Polar Newsletter registration
When you register to one of these Polar web services, the same username and password is valid for all other Polar web services also.
Username is always your email address. You can register only once with same email address.
If you get notice Email is already registered, you've already registered your email address in one of the Polar web services and you can request new password via forgotten password link.
Change product


text:
the world of video games, one of the most popular and iconic genres
is the first person shooter (FPS). One of the most successful
franchises in the FPS genre is Call
of Duty
from Activision.
is set to launch the next installment in the franchise on November 9,
2010 entitled Call
of Duty: Black Ops.
Activision is betting big on Black
and plans for the launch of the game to be one of the biggest
in the 31-year history of the publishing
company.Activision stated during a conference call this
week that it planned to invest more money in the marketing and launch
of Black
Ops than
it has ever invested in a game title before, including last year's
blockbuster hit from the franchise Call
of Duty: Modern Warfare 2.Activision
COO Thomas Tippl said, "This year's Black
Ops will
release on more platforms than ever before, and continues to pace
ahead of last year's record setting
Modern Warfare 2 in
terms of per-sales and consumer awareness metrics."Activision
CEO Bobby Kotick says that he expects Black
to expand the franchise's audience and the game will not only target
hard-core gamers and existing fans of the franchise. He stated, "This
is, across the board, the biggest investment that we've ever made in
the launch of a title. The market opportunity is bigger than it's
ever been, the install base of hardware is bigger than it's ever
been, and the product has incredibly broad appeal, but it also has a
whole host of functions that will be unique to the core
consumer."The expectation for Black
to outperform
Modern Warfare 2 is
impressive. Modern
Warfare 2
was one of the biggest PC game launches of 2009 and raked
in $310 million in sales over the first 24 hours. Analysts
expected the game to sell
5 million copies the first day.


text:
Endless Beauty Care Rewards
Register today for a FREE My EndlessBeautyCare.com Account, you will be automatically enrolled to our rewards program that accumulates reward points when you shop.
Endless Beauty Care appreciates our loyal customers. For every dollar you spend at EndlessBeautyCare.com, you will receive 1 Endless Beauty Care rewards point. Once you earn 240 points, you will receive a $15.00 gift certificate. (The Gift Certificate code can be redeem on your next order when you shop.)
To view your current points, login to your Endless Beauty Care Account and click on My Rewards. Thank you again for being a loyal Endless Beauty Care customer, and happy shopping!


text:
The 45th annual ESA East Coast Championships are running at Jennette's Pier in Nag's Head, North Carolina. The Easterns are an annual pilgrimage for budding East Coast up-and-comers, with past winners including 11-time World Champ Kelly Slater as well as former World Tour surfers Ben Bourgeois and Gabe Kling. Above is a gallery highlighting some of the action the past few days. With the marquee youth finals culminating Saturday, full results and more highlights are forthcoming.
All photos: Patrick Ruddy