text:
BMW Certified
2015 BMW 4 Series
About This BMW
2015 BMW 4 Series
|Used Clear Title
|2.0L 4-Cylinder DOHC 16V TwinPower Turbo
|8 Spd Automatic
|Rear Wheel Drive
|Exterior Color
|Black Sapphire Metallic
|Oyster Leather
|Stock #
|Balance of Factory Warranty
Vehicle OverviewStep up and get behind the wheel of this gorgeous like-new Pre-Owned BMW! Why Buy From Us? BMW of San Diego is proud to offer the region's largest inventory of Certified/Pre-Owned BMW's. We are also proud to be the #1 volume Pre- Owned/Certified BMW dealer in the San Diego area. Customer service is our #1 priority and we would love the opportunity to show you the BMW of San Diego difference! Certified. Black Sapphire Metallic 2015 BMW 4 Series 428i RWD 8-Speed Automatic 2.0L 4-Cylinder DOHC 16V TwinPower Turbo
Recent Arrival! 23/34 City/Highway MPG
BMW Certified Pre-Owned Details:
* 1 year/Unlimited miles beginning after new car warranty expires.
* Roadside Assistance
* Multipoint Point Inspection
* Warranty Deductible: $0
* Vehicle History
* Transferable Warranty
* Engaging handling; powerful yet fuel-efficient engines; upscale interior with straightforward controls and spacious seating. Source: Edmunds
* If you crave the excellent handling and power of the 3 Series sedan in coupe or convertible form, look to the 2015 BMW 4 Series. The new 4-door Gran Coupe is the only 4 Series with room for five, and is able to carry cargo easier, thanks to its wide-opening liftgate. Source: KBB.com
* The supped-up 2015 BMW 4 Series is a beauty and its superior design and dynamics make it one of a kind. It is lengthier, lower, and wider than the 3 Series coupes of the past, and has an added two inches of wheelbase. The 4 Series still boasts an athletic appeal, but with recast quad-headlamps, available LED units, understated air curtain slots and air breathers to create an effortless drive (especially with its new 50/50 weight distribution that creates the lowest center of gravity of all BMW models). The exterior hides wind-cheating underbody fairings as well. The interior continues to radiate the BMW charm with their exclusive materials in base, Sport, Limited, and M Sport trims. A leather-wrapped steering wheel, aluminum-intensive suspension hardware, and seats designed for extreme comfort create a cocoon of safety for all enclosed. Servotronic power steering and driver-centric placement of the ergonomically-enhanced console and driving functions make this a car custom-made for the driver. In the rear, the 40/20/40 flat-folding bench allows for extended cargo space to get the biggest b
In order to protect our own inventory from theft, all our new vehicles come pre-installed with
Click here to see how it works!
Financing Information
Contact us today at 844-611-2971 for more information, or fill out our Online Credit Application to begin the pre-approval process today.
Payment Calculator
Estimated Monthly Payment:
Warranty InformationThis Vehicle is Covered by the Original Factory Warranty. Contact us for more information on the full balance of factory warranty.
For warranty information about this vehicle and for information about BMW's Certified Pre- Owned Warranty of 6 years or 100,000 miles.
Contact Us at 844-611-2971
BMW of San Diego
5090 Kearny Mesa Rd
San Diego, 92111
View Map & Get Directions
|9 am - 8 pm
|9 am - 8 pm
|9 am - 8 pm
|9 am - 8 pm
|9 am - 8 pm
|9 am - 6 pm
|11 am - 5 pm
- Black Sapphire Metallic with Oyster Leather Interior
- Air Conditioning
- Digital Information Center
- Heated Mirrors
- Leather Gear Shifter
- Memory Seat Position
- Rear A/C
- Steering Wheel Radio Controls
- Tilt Steering Wheel
- Tire Pressure Monitor
- Power Passenger Seat
- Power Steering
- Power Windows
- Adaptive headlights
- Anti-Lock Brakes
- Daytime Running Lights
- Dynamic Stability Control
- Fog Lights
- HID Headlamps
- Intermittent Wipers
- Keyless Entry
- Rear Defogger
- Roll Stability Control
- Security System
- Traction Control System
- Carpeted Floor Mats
- Center Arm Rest
- Tachometer
- Vanity Mirrors
- Anti-Theft
- Bluetooth
- CD Player
- Factory System
- HD Radio
- HD Radio
- Sport Line, Convertible HardTop, 9 Speakers, Hands-Free Bluetooth & USB Audio Connection, Radio data system, Automatic temperature control, Power driver seat, Power Front Seats w/Driver Memory, Four wheel independent suspension, 4-Wheel Disc Brakes, Anti-whiplash front head restraints, Dual front impact airbags, Dual front side impact airbags, Emergency communication system, Front anti-roll bar, Integrated roll-over protection, Knee airbag, Low tire pressure warning, Occupant sensing airbag, Rear anti-roll bar, Brake assist, Delay-off headlights, Fully automatic headlights, High intensity discharge headlights: Bi-xenon, Auto-dimming door mirrors, Bumpers: body-color, Convertible roof wind blocker, Heated door mirrors, Power door mirrors, Turn signal indicator mirrors, Auto-dimming Rear-View mirror, Convertible roof lining, Driver door bin, Driver vanity mirror, Front reading lights, Genuine wood console insert, Genuine wood dashboard insert, Genuine wood door panel insert, Illuminated entry, Luxury Line Aesthetic Elements, Outside temperature display, Passenger vanity mirror, Power convertible roof, Rear reading lights, Rear seat center armrest, Sport steering wheel, Telescoping steering wheel, Front Bucket Seats, Front Center Armrest, SensaTec Leatherette Upholstery, Passenger door bin, Glass rear window, Rain sensing wipers
Features & Specifications*
- Engine: 2.0L TwinPower Turbo 4-Cylinder 16V DOHC -inc: twin-scroll turbocharger w/variable valve control (Double-VANOS and Valvetronic), high-precision direct injection and electronic throttle control
- Transmission: Sport Automatic w/Shift Paddles
- SULEV Emissions
- Engine Auto Stop-Start Feature
- Transmission w/Driver Selectable Mode
- Rear-wheel drive
- 3.15 axle ratio
- 90-Amp/Hr 900CCA Maintenance-Free Battery
- Regenerative 170 Amp Alternator
- Gas-pressurized shock absorbers
- Front And Rear Anti-Roll Bars
- Electric Power-Assist Speed-Sensing Steering
- 15.8 Gal. Fuel Tank
- Single Stainless Steel Exhaust w/Chrome Tailpipe Finisher
- Strut Front Suspension w/Coil Springs
- Multi-link rear suspension w/coil springs
- 4-Wheel Disc Brakes w/4-Wheel ABS, Front And Rear Vented Discs, Brake Assist and Hill Hold Control
- Vehicle Name : BMW 4 Series
- Body Style : Convertible
- Drivetrain : Rear Wheel Drive
- EPA Classification : Subcompact Cars
- Base Curb Weight (lbs) : 3995
- Engine Type : Intercooled Turbo Premium Unleaded I-4
- Displacement : 2.0 L/122
- Fuel System : Gasoline Direct Injection
- SAE Net Horsepower @ RPM : 240 @ 5000
- SAE Net Torque @ RPM : 255 @ 1250
- Trans Order Code : 2TB
- Trans Type : 8
- Trans Description Cont. : Automatic w/OD
- First Gear Ratio (:1) : 4.71
- Second Gear Ratio (:1) : 3.14
- Third Gear Ratio (:1) : 2.11
- Fourth Gear Ratio (:1) : 1.67
- Fifth Gear Ratio (:1) : 1.29
- Sixth Gear Ratio (:1) : 1.00
- Reverse Ratio (:1) : 3.29
- Final Drive Axle Ratio (:1) : 3.15
- Cold Cranking Amps @ 0° F (Primary) : 900
- Maximum Alternator Capacity (amps) : 170
- Suspension Type - Front : Strut
- Suspension Type - Rear : Multi-Link
- Suspension Type - Front (Cont.) : Strut
- Suspension Type - Rear (Cont.) : Multi-Link
- Steering Type : Rack-Pinion
- Turning Diameter - Curb to Curb (ft) : 37.1
- Brake Type : 4-wheel disc
- Brake ABS System : 4-Wheel
- Disc - Front (Yes or ) : Yes
- Disc - Rear (Yes or ) : Yes
- Front Brake Rotor Diam x Thickness (in) : 13
- Rear Brake Rotor Diam x Thickness (in) : 11.8
- Seventh Gear Ratio (:1) : 0.84
- Eighth Gear Ratio (:1) : 0.67
- Wheels: 17 x 7.5 Lt Alloy Star-Spoke (Style 393)
- Tires: P225/50R17 All Season
- Wheels w/Silver Accents
- Clearcoat paint
- Body-colored front bumper
- Body-Colored Rear Bumper
- Body-colored door handles
- Metal-Look Side Windows Trim and Black Front Windshield Trim
- Body-Colored Power Heated Auto Dimming Side Mirrors w/Power Folding and Turn Signal Indicator
- Fixed Rear Window w/Defroster
- Light tinted glass
- Speed Sensitive Rain Detecting Variable Intermittent Wipers w/Heated Jets
- Front Windshield -inc: Sun Visor Strip
- Fully Galvanized Steel Panels
- Power Convertible Retractable Hard Top w/Lining, Glass Rear Window, Automatic Roll-Over Protection and Manual Wind Blocker
- Chrome grille
- Trunk Rear Cargo Access
- Tailgate/Rear Door Lock Included w/Power Door Locks
- Fully Automatic Projector Beam High Intensity Low/High Beam Daytime Running Auto-Leveling Directionally Adaptive Headlamps w/Delay-Off
- Front fog lamps
- Perimeter/Approach Lights
- Front Tire Size : P225/50VR17
- Rear Tire Size : P225/50VR17
- Front Wheel Size (in) : 17 x 7.5
- Rear Wheel Size (in) : 17 x 7.5
- Front Wheel Material : Aluminum
- Rear Wheel Material : Aluminum
- Wheelbase (in) : 110.6
- Length, Overall (in) : 182.6
- Width, Max w/o mirrors (in) : 71.9
- Height, Overall (in) : 54.5
- Track Width, Front (in) : 60.8
- Track Width, Rear (in) : 62.8
- Trunk Volume (ft³) : 7.8
- Radio: Anti-Theft AM/FM/HD Stereo CD/MP3 Player
- Radio w/Seek-Scan, Clock, Speed Compensated Volume Control, Aux Audio Input Jack, Steering Wheel Controls and Radio Data System
- 205w Regular Amplifier
- Audio Theft Deterrent
- Window grid diversity antenna
- Hi-fi sound system
- Satellite radio preparation
- Hands-Free Bluetooth & USB Audio Connection
- 1 LCD Monitor In The Front
- Power Front Seats w/Driver Memory
- Driver Seat -inc: Power Rear Seat Easy Entry
- Passenger Seat -inc: Power Rear Seat Easy Entry
- Full Folding Bench Front Facing Fold Forward Seatback Rear Seat
- Manual tilt/telescoping steering column
- Gauges -inc: Speedometer, Odometer, Tachometer, Oil Temperature, Trip Odometer And Trip Computer
- Power Rear Windows
- MyInfo Selective Service Internet Access
- Sport leather steering wheel
- Front cupholder
- Rear cupholder
- Proximity Key For Push Button Start Only
- Interior Lock Disable
- Valet Function
- Power Fuel Flap Locking Type
- Remote Keyless Entry w/Integrated Key Transmitter, 2 Door Curb/Courtesy, Illuminated Entry and Illuminated Ignition Switch
- Remote Releases -Inc: Power Cargo Access
- Garage Door Transmitter
- Cruise control w/steering wheel controls
- Dual Zone Front Automatic Air Conditioning
- Rear HVAC w/Separate Controls
- HVAC -inc: Underseat Ducts, Residual Heat Recirculation And Console Ducts
- Illuminated locking glove box
- Driver foot rest
- Interior Trim -inc: Genuine Wood/Metal-Look Instrument Panel Insert, Genuine Wood Door Panel Insert, Genuine Wood Console Insert and Metal-Look Interior Accents
- Full cloth headliner
- Leatherette door trim insert
- Leather/Metal-Look Gear Shift Knob
- SensaTec Leatherette Upholstery
- Day-Night Auto-Dimming Rearview Mirror
- Driver And Passenger Visor Vanity Mirrors w/Driver And Passenger Illumination
- Full Floor Console w/Covered Storage, Rear Console w/Storage and 4 12V DC Power Outlets
- Front And Rear Map Lights
- Fade-to-off interior lighting
- Full Carpet Floor Covering -inc: Carpet Front And Rear Floor Mats
- Carpet Floor Trim And Carpet Trunk Lid/Rear Cargo Door Trim
- Cargo Area Concealed Storage
- Trunk/Hatch Auto-Latch
- Cargo Space Lights
- Memory Settings -inc: Door Mirrors
- FOB Controls -inc: Trunk/Hatch/Tailgate, Windows and Sunroof/Convertible Roof
- Tracker System
- Driver And Passenger Door Bins
- Delayed Accessory Power
- Power Door Locks w/Autolock Feature
- Power 1st Row Windows w/Front And Rear 1-Touch Up/Down
- Systems Monitor
- Trip computer
- Outside temp gauge
- Analog Display
- Manual Anti-Whiplash Adjustable Front Head Restraints and Manual Adjustable Rear Head Restraints
- 2 Seatback Storage Pockets
- Sliding Front Center Armrest and Rear Center Armrest w/Pass-Thru
- Engine immobilizer
- 4 12V DC Power Outlets
- Air filtration
- Passenger Capacity : 4
- Front Head Room (in) : 40.4
- Front Leg Room (in) : 42.2
- Front Shoulder Room (in) : 55.3
- Second Head Room (in) : 37.1
- Second Leg Room (in) : 33.1
- Second Shoulder Room (in) : 49.8
- Electronic stability control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- BMW Assist eCall Emergency Sos
- Tire Specific Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Airbag Occupancy Sensor
- Driver And Passenger Side Airbag Head Extension, Driver And Passenger Knee Airbag
- Outboard Front Lap And Shoulder Safety Belts -inc: Pretensioners and Front Seat-Integrated
- Fuel Economy Est-Combined (MPG) : 27
- EPA Fuel Economy Est - City (MPG) : 23
- EPA Fuel Economy Est - Hwy (MPG) : 34
- Tons/yr of CO2 Emissions @ 15K mi/year : 6.5 (Est)
- Fuel Tank Capacity, Approx (gal) : 15.8
- Balance of Factory Warranty. Contact seller for details.
Advertised service loaners may not be immediately available for demonstration or delivery. See dealer to schedule an appointment.
All advertised prices exclude government fees and taxes, any finance charges, any dealer document processing charge, any electronic filing charge, and any emission testing charge.
All advertised prices expire at midnight on the day of posting.


text:
A big welcome to mcshanester29 who has joined the newsletter staff in the War Games department! A special hello to trinicardinal, who has gifted us with a guest article in the Platoon Report!
I hope that you are noticing the many changes we have been making in the Dispatch over the last few months, as we make it a more useful and comprehensive resource. More is yet to come. Starting with this issue, it is our resolution to include coverage of all recent announcements in the Late-breaking News section. As if luck was on our side, this new resolution has been accompanied by a large number of announcements to cover. It's been an eventful two weeks on CC!
Here's what we have on tap for you:
In the Mess Hall you will find the "this and that" which doesn't have a section of its own. StubbsKVM presents the final installment of his play-by-play account of an SoC training game. Safariguy5 presents another installment of the Scum Insider.
The Platoon Report covers all aspects of the Clan scene.
War Games is all the news from the Tournament world.
Cartographic Surveillance is our regular look at the Foundry.
Our Next Mission Brief will tell you who is the interrogation target for next issue, and information on how to subscribe or how to sign up to join the newsletter staff.
Dukasaur - Chief Executive
And finally some late-breaking news are contained in the Main Section of the Dispatch. (The version posted here in the Announcements forum is for the benefit of those who have gotten accustomed to seeing it here. The FULL version is now only published in its original location in the Newsletter Issues forum.)

subset: commoncrawl


text:
In PowerPoint 2010, if you have OneDrive, or if your organization uses SharePoint, you can store a presentation there so that multiple authors can simultaneously make changes to that presentation.
(In order to work on a presentation at the same time, all authors on Windows need to use PowerPoint 2010 or later, or the latest release of PowerPoint Online.)
In this article
Upload files to OneDrive
Sign in to OneDrive and upload your files, so you can update and share them from anywhere.
With Microsoft Edge or Google Chrome:
Select Upload > Files.
Select the file or files you want to upload.
Select Open.
With other browsers, select Upload, select the files you want to upload, and select Open.
For information about uploading files to SharePoint, see Upload files to a library.
Overview of co-authoring
The new co-authoring functionality in Microsoft Office 2010 makes it possible for multiple users to work productively on the same document without intruding on one another's work or locking one another out.
You can use this new co-authoring functionality in Microsoft PowerPoint 2010, Microsoft Word 2010, and Microsoft OneNote 2010 documents on SharePoint Server 2010. New co-authoring functionality is also supported in Excel Web App and OneNote Web App.
Co-authoring requires SharePoint Foundation 2010 or a Windows Live OneDrive account. The server keeps a central copy of the presentation and records edits from multiple authors. You and your co-authors can see who is editing the presentation and where in the document they are working, and their changes get merged into your presentation.
Earlier versions of PowerPoint do not have co-authoring features. To take advantage of this new feature, all co-authors must have PowerPoint 2010 installed on their computers.
Co-author a presentation
In PowerPoint 2010, open the presentation that is stored on the server.
A notification appears in the status bar at the bottom of PowerPoint if you're not the only one working on the presentation. The notification tells you how many people are currently working on the presentation. Click that number to see the names of the co-authors.
On the View tab, in the Presentation Views group, click Normal to view your presentation in Normal view.
In the left pane that contains the Outline and Slides tabs, on the Slides tab, look for a small icon on the lower-right corner of the slide thumbnail. That indicates that a co-author is making changes to that slide. Click the icon to see the name of the co-author.
Another way to see the names of the co-authors of the presentation is to click the File tab, and then click Info on the left side of the screen. The names of the co-authors appear in the middle pane.
To send an e-mail message or instant message to your co-authors, click Send a Message, and then click Send an E-mail Message or Send an Instant Message.
When another author saves their changes, PowerPoint notifies you, the original author of the presentation, that changes were made. On the pane that contains the Outline and Slides tabs, on the Slides tab, an icon appears in the lower-right corner of the slide thumbnail that was changed.
Review changes that were made by other authors
To see whether other authors have changed your presentation, click the File tab and then click Info. Then, next to Document Updates Available, click Save, and then click Save and Review.
Then, to see the changes that other authors made, click Review Changes.
When you click Review Changes, the Merge tab appears on the ribbon and a Revisions pane appears on the right side of the PowerPoint window. The Revisions pane contains a Slides tab that lists the slides that other authors changed, and a Details tab that lists the changes to the currently displayed slide.
On the Merge tab, you can use the buttons in the Resolutions group to show next and previous changes that were made by other authors, and accept or reject those changes. To exit Merge view, click Close Merge View.
Note: While in Merge view, you cannot merge in new updates from other authors or upload changes to the server. You must complete your review by clicking Close Merge View, which then automatically uploads your changes to the server.
Configure PowerPoint to notify you every time authors make changes
You might want to review (and then accept or reject) changes that other authors make to all presentations that you work on, before they're merged. If so, do this:
Click the File tab.
Click Options on the left side of the screen, and then in the PowerPoint Options dialog box, click Save.
Under File merge options for shared document collaboration server files, select the Show detailed merge changes when a merge occurs check box.


text:
I have a 4 acre food plot need to get it mowed 3-4 times this season, please contact me. Thanks.
Still need mowing? where are you located?
HeartlandOutdoors.com is owned by Lampe Publications LLC. Heartland Outdoors is a registered trademark.
Heartland Outdoors, P.O. Box 745, Elmwood, IL 61529
Copyright © 2018 Heartland Outdoors. All Rights Reserved. Reproduction in whole or in part without permission is prohibited.


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19.1 Unclaimed Property
(Last Modified on November 4, 2010)
The laws of the State of Georgia regarding unclaimed property are contained in the Official Code of Georgia Annotated (O.C.G.A.) Sections 44-12-190 through 44-12-235. For legal determinations, institutions are encouraged to review the O.C.G.A. to see the exact wording of the law. Refer to the cited code sections for more details using the following URL: http://www.lexis-nexis.com/hottopics/gacode/
Listed below is a highly summarized overview of the requirements of the law as it affects institutions of the University System of Georgia (USG).
Note: This overview does not cover all possible circumstances described in the O.C.G.A. It is intended to provide the institution with an overview of the common circumstances regarding unclaimed property that may be encountered at an institution.
19.1.1 Definition
(Last Modified on December 29, 2010)
Basically, any property that has remained unclaimed by the owner for more than one (1) year for payroll checks or five (5) years for other checks is presumed abandoned. For a USG institution, abandoned property may include, but is not limited to:
- Outstanding payroll checks
- Outstanding accounts payable checks
- Unclaimed deposits
- Unclaimed student refunds
- Unclaimed credit balances on accounts receivable
Refer to the Georgia Department of Revenue web site at https://etax.dor.ga.gov/ptd/ucp/index.aspx for more information. This information includes detail on the Unclaimed Property Act, types of property remitted to the State, when property is considered abandoned and remitted to the State, and more.
"Unpaid wages," including "unpresented payroll checks," are presumed abandoned after they are at least one (1) year old as of the last day of the fiscal year, June 30th. Outstanding accounts payable checks are considered abandoned when they are at least five (5) years old as of the last day of the fiscal year, June 30th.
After a property becomes "abandoned," it must be reported and remitted to the state of Georgia Commissioner of Revenue.
Note: The institution must exercise due diligence in trying to contact the owner of the unclaimed property before it becomes eligible for reporting to the Commissioner of Revenue. Documentation of due diligence efforts must be maintained on file.
19.1.2 Contacting the Owner
(Last Modified on November 4, 2010)
Between sixty (60) and one hundred twenty (120) days prior to filing the report to the Commissioner of Revenue, the institution should make a final attempt to contact the owner. The law states:
If the holder of property presumed abandoned under this article knows the whereabouts of the owner, the holder shall, before filing the annual report, communicate with the owner and take necessary steps to prevent abandonment from being presumed. All holders shall exercise due diligence, as defined in Code Section 44-12-192, at least 60 days but no more than 120 days prior to the submission of the report to ascertain the whereabouts of the owner if the holder has in its records an address for the apparent owner which the holder's records do not disclose to be inaccurate and the property has a value of $50.00 or more.
19.1.3 Reporting to the Commissioner of Revenue
(Last Modified on November 4, 2010)
The report and remittance to the Commissioner of Revenue must be filed before November 1st of each year. The report and remittance is filed as of the preceding June 30th.
The report must include:
The name and Social Security or federal identification number, if known, and last known address, including ZIP Code, if any, of each person appearing from the records of the holder to be the owner of any property of the value of $50.00 or more presumed abandoned under this article.
The nature and identifying number, if any, or description of the property and the amount appearing from the records to be due.
Note: Items of value under $50.00 each may be reported in aggregate.
The date when the property became payable, demandable, or returnable, and the date of the last transaction with the owner with respect to the property.
Other information that the Commissioner of Revenue prescribes by rule as necessary for the administration of this article.
Note: If the institution has changed its name while holding the property, the institution shall file with its report all prior names (and addresses).
The institution's chief fiscal officer must verify the report. Each institution shall:
"…retain all books, records, and documents necessary to establish the accuracy and compliance of such report for ten years after the property becomes reportable, except to the extent that shorter time is provided in accordance with Article 5 of Chapter 18 of Title 50, the 'Georgia Records Act,' or in subsection (b) of this Code section or by rule of the commissioner. As to any property for which it has obtained the last known address of the owner, the holder shall maintain a record of the name and last known address of the owner for the same ten-year period."
19.1.4 Institutional Responsibilities
(Last Modified on December 22, 2010)
Recommended institutional procedures to assist in complying with the Unclaimed Property law are listed below.
Establish the appropriate liability as an agency account, using Fund 60000 and Account 241100 to track unclaimed property. It is suggested that separate unclaimed property departments be established in Fund 60000 for payroll checks and accounts payable checks, such as a department named "Unclaimed Property-Payroll Checks" and another department named "Unclaimed Property-Accounts Payable Checks." Other departments may be established in Fund 60000 as needed to track other unclaimed properties. The detail support for the journal entries must be maintained. This includes: check number, check date, payee name, and dollar amount. Sufficient information should be on file to support any future payee claims.
Review the old outstanding checks during every bank reconciliation. After one hundred eighty (180) days have passed from the check issue date, the item should be removed from outstanding checks with the amount of the check being moved into the appropriate liability department and account. If the institution does not have physical custody of the check, then the bank should be notified to place a "stop payment" on the check. The method of removing the check from the list of outstanding checks with the balance going to unclaimed property will vary depending upon financial system software design. *
* Note: Institutions using the GeorgiaFIRST model of the PeopleSoft Financials software should follow these directions:
- Mark the check as escheated per PSFIN Business Process AP.020.550 – Processing Escheated Payments. The Escheatment process will mark the payment as canceled and reconcile.
- Prepare a journal entry to move the liability from account 241500 and the original payment Chartfields to the appropriate liability department and account.
At the time of moving the outstanding check to the liability account, update the listing of unclaimed property that is maintained as required by the Unclaimed Property law. Institutions should insure adequate procedures are in place to aid in finding the "unclaimed property" since it will be removed from the list of outstanding checks.
Initiate action to try to contact the payee of the check if this has not previously been accomplished. If the payee can be located, a replacement check can be issued charging the appropriate liability department and account in Fund 60000.
At least annually, review all other accounts that have the potential to become unclaimed property. This should include all agency accounts, all deposits, all accounts receivable credit balances, etc. When any of these are determined to be unclaimed property, create a journal entry moving the balance to the appropriate liability department and account in Fund 60000. Also initiate action to try to contact the owner of the property. At the time of the journal entry, add the appropriate entry to the listing of unclaimed property.
Whenever an item of unclaimed property becomes reportable:
- Include it on the report to the Commissioner of Revenue;
- Annotate the listing of unclaimed property that this item has been remitted to the Commissioner; and,
- Include the value in the remission to the Commissioner by debiting the appropriate unclaimed property liability account when issuing the check.
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text:
Omega-3 Fatty Acid Supplementation to Prevent Preterm Birth in High Risk Pregnancies
|The safety and scientific validity of this study is the responsibility of the study sponsor and investigators. Listing a study does not mean it has been evaluated by the U.S. Federal Government. Read our disclaimer for details.
|ClinicalTrials.gov Identifier: NCT00135902
Recruitment Status : Completed
First Posted : August 26, 2005
Last Update Posted : April 10, 2019
- Study Details
- Tabular View
- No Results Posted
- Disclaimer
- How to Read a Study Record
|Condition or disease
|Preterm Birth
|Drug: 17 alpha-Hydroxyprogesterone Caproate and Omega-3 fish oils
|Phase 3
Preterm birth is the leading cause of perinatal mortality and morbidity. In a recently completed trial of weekly injections of 17 alpha hydroxyprogesterone caproate (17P), the National Institute of Child Health and Human Development (NICHD) Maternal Fetal Medicine Units (MFMU) Network found the treatments significantly beneficial in the prevention of recurrent preterm birth. Other studies have shown that fish oil supplementation can reduce the risk for preterm birth. The purpose of this study is to determine whether Omega-3, a polyunsaturated fatty acid nutritional supplement, in addition to injections of 17P, further decreases the rate of preterm birth in women at risk.
This study is a randomized, double-masked clinical trial with two study arms: a daily supplement of Omega-3 capsules containing 800 mg of DHA and 1200 mg of EPA or a daily supplement of a matching placebo. All patients will also receive weekly injections of 17P. Eight hundred pregnant women with a history of previous preterm delivery will be recruited for this study. After successfully completing a compliance run-in, which can begin as early as 15 weeks gestation, patients will be randomized and begin treatment between 16 and 22 weeks gestation. They will remain on study drug until 36 week and 6 days or delivery, whichever occurs first. Blood will be drawn at randomization and at a monthly visit falling between 25-29 weeks of gestation to test for compliance, to analyze genetic polymorphisms and to determine whether Omega-3 affects the production of inflammatory cytokines.
|Study Type :
|Interventional (Clinical Trial)
|Actual Enrollment :
|800 participants
|Intervention Model:
|Parallel Assignment
|Triple (Participant, Care Provider, Investigator)
|Primary Purpose:
|Official Title:
|A Randomized Trial of Omega-3 Fatty Acid Supplementation to Prevent Preterm Birth in Pregnancies at High Risk
|Study Start Date :
|February 2005
|Actual Primary Completion Date :
|March 2007
|Actual Study Completion Date :
|March 2008
- Delivery less than 37 completed weeks gestation including any miscarriages occurring after randomization
- MATERNAL: Delivery less than 35 weeks
- Delivery less than 32 weeks
- Spontaneous preterm delivery
- Indicated preterm delivery
- Tocolytic therapy
- Time from randomization to delivery
- Delivery on or after 41 weeks of gestation
- Occurrence of gestational hypertension or preeclampsia
- Maternal hospital days
- Fatty acid constituents in maternal plasma samples, before and after supplementation
- Postpartum hemorrhage
- FETAL AND NEONATAL: Fetal and neonatal death
- Gestational age at delivery
- Small for gestational age
- Birth weight
- Apgar score at 1 and 5 minutes
- Number of days of neonatal respiratory therapy
- Admission to NICU and total number of days in hospital
- Intraventricular hemorrhage
- Retinopathy of prematurity
- Necrotizing enterocolitis
- Deep infection
- Periventricular leukomalacia
- Bronchopulmonary dysplasia
- Respiratory distress syndrome
- Composite neonatal outcome
Choosing to participate in a study is an important personal decision. Talk with your doctor and family members or friends about deciding to join a study. To learn more about this study, you or your doctor may contact the study research staff using the contacts provided below. For general information, Learn About Clinical Studies.
|Ages Eligible for Study:
|Child, Adult, Older Adult
|Sexes Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria:
- Documented history of previous singleton spontaneous birth
- Singleton pregnancy
- Gestational age at randomization between 16 and 22 weeks
Exclusion Criteria:
- Major fetal anomaly or demise
- Regular intake of fish oil supplements
- Daily use of nonsteroidal anti-inflammatory agents
- Allergy to fish or fish products
- Gluten intolerant
- Heparin use or known thrombophilia
- Hemophilia
- Planned termination
- Current hypertension or current use of antihypertensive medications
- Type D, F or R diabetes
- Maternal medical complications
- Current or planned cerclage
- Illicit drug or alcohol abuse during current pregnancy
- Delivery at a non-Network hospital
- Participation in another pregnancy intervention study
- Participation in this trial in a previous pregnancy
To learn more about this study, you or your doctor may contact the study research staff using the contact information provided by the sponsor.
Please refer to this study by its ClinicalTrials.gov identifier (NCT number): NCT00135902
|United States, Alabama
|University of Alabama - Birmingham
|Birmingham, Alabama, United States
|United States, Illinois
|Northwestern University
|Chicago, Illinois, United States
|United States, Michigan
|Wayne State University
|Detroit, Michigan, United States
|United States, New York
|Columbia University
|New York, New York, United States
|United States, North Carolina
|University of North Carolina - Chapel Hill
|Chapel Hill, North Carolina, United States
|Wake Forest University School of Medicine
|Winston-Salem, North Carolina, United States
|United States, Ohio
|Case Western University
|Cleveland, Ohio, United States
|Ohio State University
|Columbus, Ohio, United States
|United States, Pennsylvania
|Drexel University
|Philadelphia, Pennsylvania, United States
|University of Pittsburgh Magee Womens Hospital
|Pittsburgh, Pennsylvania, United States
|United States, Rhode Island
|Brown University
|Providence, Rhode Island, United States
|United States, Texas
|University of Texas - Southwest
|Dallas, Texas, United States
|United States, Utah
|University of Utah Medical Center
|Salt Lake City, Utah, United States
|Principal Investigator:
|Uma Reddy, MD
|Eunice Kennedy Shriver National Institute of Child Health and Human Development (NICHD)
|Principal Investigator:
|Elizabeth A Thom, PhD
|George Washington University Biostatistics Center
|Principal Investigator:
|Margaret Harper, MD
|Wake Forest University Health Sciences
Additional Information:
Publications of Results:
Other Publications:
Publications automatically indexed to this study by ClinicalTrials.gov Identifier (NCT Number):
|Responsible Party:
|The George Washington University Biostatistics Center
|ClinicalTrials.gov Identifier:
|NCT00135902 History of Changes
|Other Study ID Numbers:
|First Posted:
|August 26, 2005 Key Record Dates
|Last Update Posted:
|April 10, 2019
|Last Verified:
|April 2019
|Individual Participant Data (IPD) Sharing Statement:
|Plan to Share IPD:
|Plan Description:
|The data will be shared after completion and publication of the main analyses in accordance with NIH policy. The contact to obtain datasets is firstname.lastname@example.com.
Keywords provided by The George Washington University Biostatistics Center:
Preterm birth
Omega-3 fatty acid
Additional relevant MeSH terms:
Premature Birth
Obstetric Labor, Premature
Obstetric Labor Complications
Pregnancy Complications
17 alpha-Hydroxyprogesterone Caproate
Estrogen Antagonists
Hormone Antagonists
Hormones, Hormone Substitutes, and Hormone Antagonists
Physiological Effects of Drugs


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"Do any human beings ever realize life while they live it--every, every minute?" Emily Webb, Our Town
Once they are paid for don't look for cheaper!!
Gandhi: Happiness is when what you think, what you say and what you do are in harmony .
I'm so jealous! You're going to the best city on the planet! And it sounds like you've got a great deal with parking at your nephew's. Nutley isn't far at all from the city. Personally summer was always my favorite time of year when I lived there. You may end up with absurdly hot weather, but you also may luck out and just have really nice, warm weather. The only thing I didn't like about summer in the city was having to dress for work and then take the subway. You definitely won't need to pack jackets or any kind of cool weather stuff, even for the evenings. And august is usually a relatively quiet time in the city because a lot of people are on vacation or at least going away for the weekends.
Although the subway is intimidating, I do recommend taking it at least once or twice just for the experience. Buses are also a decent way to get around and still be able to see the city. They just take longer. Walking is often almost as fast.
Look into circle line cruises. I assume they still do a trip all the way around manhattan. It's a great way to see a lot, get a bit of a history lesson, and they get pretty close to the statue of liberty, so unless you feel the need to actually hike to the top of the statue you won't need to do a seperate trip to see that. If you do want to go up in the statue buy the tickets now. They sell out fast.
As for museums MOMA and the Metropolitan are both amazing. Natural History is good too but I didn't find it to be that much more impressive than denver's so if you've already seen a good natural history museum elsewhere it may not be worth your limited time. (of course the last time I went to denver's natural history museum was probably 38 years ago, so take my opinion on this with a grain of salt.) Note that the Metropolitan Museum has a "suggested" admission. The signs will have the dollar amounts they'd like you to give but it's pay what you want. When I first moved to NYC I went a lot but would only stay an hour or two, and focus on just a small section of the museum each time, so I would give them a buck each time, figuring that over time I was giving them a full admission price and also over time seeing the full museum. Looking at MOMA's website it looks like they have free admission from 4-8pm on Fridays but expect crowds, at least during the first couple of hours.
The new freedom tower and the empire state both have amazing views. But you don't necessarily need to do both unless you have the time. If you do decide to do both I'd plan for doing one in daytime and one after dark.
Times' Square is way more awesome at night when it's all lit up.
If you have the time/inclination to take a walk through central park make sure to swing by John Lennon's Strawberry Fields memorial, just across from the Dakota Apartments.
Lastly, from a practical standpoint you should look into the City Pass. I don't know about NY's but the London one ended up being a good value for us. It included unlimited transit and most of the museums we wanted to go to were included for free as part of the package.
And one warning. Try not to be too shocked at how small the hotel room is. It will likely be half the size of any hotel room you've ever stayed in. That's normal. Even high end hotels are this way. The hilton that SO worked for went so far as to do stuff like have all the lights attached to the walls rather than taking up floor space or space on the tiny bedside table because space was at such a premium.
Appreciate the information jp1, if you ever go hunting in Penns Woods I could fill you in on the best venison on the planet!
Personally, I liked just taking Amtrak in to Grand Central then taking the subway, walking, buses everywhere. So much fun and easier.
We came in on Amtrak as well. Loved learning how to ride the subway and walking. So many sights to see as well as many missed. Can't wait to go back.
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Auburn opts not to appeal Pearl's show-cause order
AUBURN, Ala. (AP) — Auburn won't ask the NCAA to lift the show-cause penalty against new basketball coach Bruce Pearl.
Auburn athletic director Jay Jacobs says in a statement he "felt strongly that not appealing the show-cause order was the right thing to do, and coach Pearl wholeheartedly agreed we should not contest it."
Pearl is barred from recruiting by the NCAA until Aug. 24, stemming from his tenure at Tennessee. He was fired in 2011 and placed under a three-year show-cause penalty after lying to investigators about violations involving a cookout at his home for junior prospects and their families.
Auburn could have contested the sanctions before the NCAA's Committee on Infractions.
Pearl cited his decision not to appeal in 2011 because "it would lessen my position of accountability."


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2011-2012 Interim
Legislative Commission
The Legislative Commission supervises the Legislative Counsel Bureau. The Commission is a body of 12 legislators, six from each house. The Commission also takes actions on behalf of the legislative branch of government when the full Legislature is not in session. This body meets every few months between sessions to provide guidance to staff of the Legislative Counsel Bureau and to deal with other interim matters.
Agendas and Minutes
The "Current Members" represent the composition of the Legislative Commission following the November 6, 2012, election.
September 14, 2012 Meeting
December 20, 2012 Meeting
June 3, 2013 Meeting


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RICHLANDS � Northside took care of business Monday in the first round of the East Central 2-A Conference girls� basketball tournament.
RICHLANDS � Northside took care of business Monday in the first round of the East Central 2-A Conference girls� basketball tournament.
Ashanti Curry scored 15 points while Kayla Hill and Lizzie Perez each added 13 as the top-seeded Monarchs defeated No. 8 Topsail 61-33 at Richlands High School.
Northside (20-4) will play Clinton on Wednesday at 6 p.m. in the semifinals. The Dark Horses beat Croatan 47-34 in the opening round.
Against Topsail (7-16), the Monarchs used a 7-0 run in the first quarter to take a 9-2 lead and never looked back. Northside then outscored the Pirates 13-4 in the second quarter to take a 30-13 lead into halftime.
�It was certainly a different atmosphere than Friday,� said Northside coach Chad Novelli, referring to the Monarchs� 50-37 win at East Duplin that gave them the league�s regular-season title. �The days when the girls don�t have school, we always come out a little flat. But they came out and did what they had to do today.�
The Monarchs had early trouble against the Pirates� taller lineup, which included 5-foot-10 Carlie Smith and 5-9 Kayla Hyatt.
However, Northside made adjustments on the boards and finished with a 39-26 advantage on the glass. Smith ended with 4 points and 12 rebounds. The Pirates were led by Chandler Skipper�s 12 points while Mindi White added 11.
�We�ve had plenty of practice being the shorter team throughout the season,� Novelli said. �We know we are not always going to get the rebounds. Getting better position is what we need to work on, but we are so aggressive underneath, that it makes up for our lack of height.�
The Monarchs used their athleticism to their advantage as Northside forced 22 turnovers. Topsail committed six turnovers and only shot 2 of 6 from the field in a second quarter that saw the Pirates score just 4 points.
�In the first quarter we needed a little wake-up call coming off Friday, which was a pretty emotional night for us,� Novelli said. �We knew coming in the first quarter might be a little rough.�
Clinton 47, Croatan 34: Fourth-seeded Clinton outscored fifth-seeded Croatan 13-2 in the third quarter en route to an opening-round victory.
The Dark Horses (18-7) will play Northside on Wednesday in the semifinals. The Cougars (6-16) will be the ECC�s fifth and final automatic playoff seed, barring a team seeded lower than them wins the tournament.
Croatan looked primed for the upset as the Cougars took an 11-10 lead on a 3-pointer by Maddie Heverly 50 seconds into the second quarter. However, the Dark Horses scored 9 of the next 12 points to take a 20-14 lead into halftime.
Croatan then just managed two free throws in the third quarter, which allowed Clinton to pull away.
�I think they turned up their pressure,� Croatan coach Andrew Gurley said. �In the first half we were able to adjust and beat their press. Their pressure got to us (in the second half).�
Sammy Jo Layko led the Cougars with 7 points.
Clinton was led by Courtney Pearsall�s 15 points and Kristen Glasper�s 13.
Clinton 58, Swansboro 37: Eighth-seeded Swansboro held its own against No. 1 Clinton for most of the first half.
Then the Dark Horses outscored the Pirates 21-4 in the third quarter en route to a first-round win over the Pirates.
Clinton (18-8) will play South Lenoir on Wednesday at 7:30 p.m. in the semifinals.
Swansboro (5-20) jumped to an 8-2 lead early and hung tough with the Dark Horses by forcing Clinton to take difficult shots. However, the Dark Horses forced 9 turnovers in the third quarter and turned most of their takeaways into transition points.
�It was so much us trying to slow down. It was more trying to make sure we put bodies on their guys when they attacked the basket. We tired to hold our ground more than try to jump with them,� Swansboro coach Ed Walsh said of his team�s first-half effort. �Then we struggled all of the sudden in the third quarter. All of the sudden we couldn�t break their press.�
Yuwsef Thorton led the Pirates with 13 points and 7 rebounds.
Jalen Banks scored 13 points to lead Clinton.
South Lenoir 62, East Duplin 44: South Lenoir�s Ishmael Baldwin scored 22 points to lead fourth-seeded South Lenoir past No. 5 East Duplin in the opening round.
The Blue Devils (14-9) will play Clinton on Wednesday at 7:30 p.m. in the semifinals.
�They got second-chance points and they got to the free throw line,� East Duplin coach Robert Ross said. �Look at the free throw stats, they beat by (12) at the line, itself. They also had 12 blocks. They are long and lanky and we don�t have a lot of size.�
Malik Baker led the Panthers (8-17) with 17 points while Nicholas Williams added 11.
East Duplin was hoping to advance to the ECC tournament final for the third consecutive season and for the fourth time in five seasons.
The Panthers will still be the league�s fifth and final automatic playoff seed if a lower-seeded team doesn�t win the conference tournament.
Topsail 9 4 13 7 � 33
Northside 17 13 18 13 � 61
K. White 2, Skipper 12, M. White 11, Hyatt 2, Smith 4, Wolf 2. Totals� 12-39 9-12 33.
Moore9, Stokes 2, Bowerman 6, Hill 13, Curry 15, Collins 3, Perez 13. Totals� 21-56 13-19 61.
3-Point Goals� T 0, N 6 (Perez 3, Moore, Hill, Collins). Rebounds� T 26 (Smith 12), N 39 (Moore 8, Collins 7, Curry 6, Jones 5). RECORDS� T: 7-16, season complete. N: 20-4, vs. Clinton on Wednesday at 6 p.m. in semifinals.
Croatan 8 6 2 18 � 34
Clinton 10 10 13 14 � 47
Raynor 5, Perry 6, Fair 2, Taylor 2, Fitzgerald 2, Heverly 4, Raper 6, Layko 7. Totals� 9-44 15-23 34.
Pearsall 15, Simpson 8, Owens 2, Glasper 13, Murphy 6, Edwards 3. Totals� 16-61 15-19 47.
3-Point Goals� Cr 1 (Heverly), Cl 0. Rebounds� Cr 39 (Taylor 9, Perry 7), Cl 41 (Murphy 10, Simpson 8, Pearsall 7). RECORDS� Cr: 6-16, vs. TBA in state 2-A playoffs. Cl: 18-7, vs. Northside on Wednesday at 6 p.m. in semifinals.
Swansboro 10 6 4 17 � 37
Clinton 12 10 21 15 � 58
Morton 7, Barton 8, Taylor 2, Hill 1, Ashley 2, Oswalt 4, Thorton 13. Totals� 14-54 6-19 37.
Pearson 4, Bryant 4, Chester 8, Jones 8, Underwood 2, Bradshaw 4, Banks 13, Faison 5, Parker 4, Spruill 2, McDew 4. Totals� 24-60 10-12 58.
3-Point Goals� S 3 (Barton 2, Morton), C 0. Rebounds� S 31 (Morton 7, Ashley 7, Thorton 7), C 45 (Pearson 6, Jones 5, Bradshaw 5, Spruill 5). RECORDS� S: 5-20, season complete. C: 18-6, vs. South Lenoir on Wednesday at 7:30 p.m. in semifinals.
East Duplin 8 12 14 10 � 44
South Lenoir 14 18 17 13 � 62
Scarborough5, Baker 17, Stallings 2, Mason 1, Williams 11, Jones 2, Flo. Laporte 4, Moore 2. Totals� 18 3-8 44.
Graves2, Whaley 3, Jones 6, Davis 2, Wooten 15, Ishmel Baldwin 22, Smith 2, Midgette 10. Totals� 23 15-20 62.
3-Point Goals� E 5 (Baker 3, Scarborough, Williams), S 1 (Whaley). Rebounds� E 25 (Stallings 7), S 31 (NA). RECORDS� E: 8-17, vs. TBA in state 2-A playoffs. S: 14-9, vs. Clinton on Wednesday at 7:30 p.m. in semifinals.


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Halleemah Nash, CEO, Israel Idonije Foundation
Halleemah Nash has joined the Israel Idonije Foundation as chief executive. Nash will further develop the foundation's programs to develop social and emotional skills in underserved communities in Chicago, Winnipeg, Manitoba and West Africa. Nash has worked with the Chicago Bulls before launching her own philanthropy consulting firm to assist athletes and entertainers. Most recently, she managed programming for the Chicago Housing Authority. The foundation's namesake, Israel Idonije, was a Bears defensive lineman who was born in Nigeria and grew up in Canada.
Copyright © 2019, Chicago Tribune


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By Nick Margiasso IV
You know what Atlanta Hawk Kyle Korver is really good at? Right, shooting 3-pointers. You know what he's just as good at? Right, swatting the shots of 7-footers … wait, WHAT?!?!
That's right, in the Hawks' Game 1 win over the Pacers, the man with the NBA's longest 3-pointers made streak sank as many long-distance shots as he had blocks of Indiana's Roy Hibbert. Read that again. And then watch it …
VIDEO: Atlanta's Kyle Korver blocks Indiana big man Roy Hibbert
VIDEO: And then does it again


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Parentcraft classes in Forth Valley run for a four week block, running each consecutive week.
You only require to book into the first week of the classes. Please remember to book a ticket for both yourself and birth partner.
We recommend to book in to start the classes at around 28 weeks.
The topics covered are:
Week 1. Normal labour and delivery
Week 2. Analgesia and complications of labour and birth
Week 3. Early days and parenting
Week 4. Infant Feeding
We advise for you to come along to the parentcraft class for your maternity team, so you are able to meet people from the local area. However, if this does not suit you, please feel welcome to book to attend any other team classes.
You are welcome to bring one birth partner or supporter with you when you attend, but please book a space for them too.
If you have any problems booking online, please email: email@example.com or speak to your midwife.
We look forward to welcoming you to the class.


text:
Spice Xlife 405 IND Flash File Firmware With Flash Tool
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Stripper Pole Dance Bursts Guy's Bladder At Bachelor Party?
A man has filed a lawsuit against a strip club claiming a stripper ruptured his bladder during a pole dance performance.
How exactly did this happen? Apparently, one of the lovely ladies at the Port Richmond, Pennsylvania Penthouse Club climbed to the top of her stripper pole and "launched herself down onto his abdomen," the guy's lawyer claims. She reportedly landed on the guy so hard that she ruptured his bladder.
And here's possibly the worse part: It was the guy's bachelor party. The pole dance was part of the club's "Bachelor's Package," which we're guessing is supposed to make certain body parts swell, not rupture.
The unlucky bachelor is also claiming back and hip damage. He's suing the club for $50,000.
I guess the takeaway here is … Safety words are important.


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One of my goals this year is to finish half finished projects.
This week I tackled my 2013 Week in the Life project.
Only a couple more pages to go.
Supplies All Designer Digitals:
Katie Pertiet:
Arctic Whites Paper Pack No. 02
Striping Graphic Brushes and Stamps No. 02
Ali Edwards:
Week In The Life Layered Template Set 12x12 Vol. 05
Week In The Life Circles Brushes and Stamps
Thanks for looking!


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Study finds intensity gap between evangelical and Catholic faithful
Americans who say they are strong in their faith has been a fairly stable percentage for the last 40 years, between 37 percent and 43 percent, according to a University of Nebraska-Lincoln study to be published in the journal Sociology of Religion.
Strong religious identity peaked at 43 percent in the mid-1980s, then declined. But the number has stuck around 37 percent for the last two decades.
However, a far different picture emerges when one breaks it down by faith tradition. Religious fervor has been surging among evangelicals and fading among Catholics, study author Philip Schwadel found.
Evangelical Christians have grown more stoutly devout since the early 1990s, while Catholics report the lowest proportion of strongly affiliated followers among major American traditions.
To reach these findings, Schwadel modeled data from almost 40,000 respondents to the General Social Survey, from 1974-2010, said Steve Smith, the university's national news editor.
And, since the mid-1980s, an intensity gap has appeared between groups. Evangelicals' strength of affiliation began swelling in the early 1990s, the study says, and that followed a stronger presence by evangelicals in the public square in the 1980s. By 2010, about 56 percent of evangelicals said they considered themselves strong adherents to their faith. For Catholics, it was just 35 percent — 4 percentage points lower than mainline Protestants.


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He is Jeff Garcia, who was brought to San Francisco by new General Manager Bill Walsh, the 1979-89 coach of the 49ers.
In the 1980s, Walsh's first winner, Joe Montana, after two seasons as a backup, led the 49ers to four Super Bowl championships.
In the 1990s, the next Walsh choice, Steve Young, after four seasons as a backup, has become the only quarterback since Sammy Baugh to win six NFL passing titles.
Against undefeated Tennessee in Sunday's game of the week, Garcia, in his first year as a backup, began faster than either of his predecessors, running for a touchdown and throwing for two as the 49ers won, 24-22.
It has become fashionable lately to call Montana the greatest quarterback of all time, an overstatement considering Young's record, Sammy Baugh's and others'.
Montana should be more properly identified as the NFL's first great modern champion.
* * * *
The West Coast Offense Does It
It is the 49ers' system--Walsh's West Coast Offense--that has made them and the NFL what they are. The system, with its emphasis on passing, has spread throughout the league and has been used by all the recent Super Bowl winners.
When Walsh introduced it in the early 1980s, Montana was the only West Coast Offense quarterback. That gave him two advantages that neither Young, Garcia, Jake Plummer, nor any other 1999 quarterback has:
He was playing against stone-age defenses that couldn't adjust to what the 49ers were doing.
He was compared to quarterbacks who were still playing for old-fashioned offensive teams that emphasized running plays.
It takes great quarterbacks to make the West Coast work.
Clearly, Joe Montana was the first.
* * * *
Defenses Tougher Now
Charles Haley, the defensive veteran who has been brought back to the 49ers to pressure opposing passers, was asked the other day to compare Montana as a youthful quarterback to Plummer, the young Arizona QB who has led the NFL in interceptions all year.
Haley rightly pointed out that Montana threw fewer interceptions.
The reason:
When Montana was Plummer's age, he was carefully coached in the West Coast system, which still had elements of surprise for its opponents. Plummer, who isn't as well coached, is facing defensive players who have been working against West Coast offenses for up to 18 years.
Experience is a helpful teacher.
* * * *
The Way Garcia Did It Cheers 49ers
As for Garcia--a free agent from San Jose State who apprenticed in Canada--one good day hardly foretells his football future. Yet, the way he won his first NFL start Sunday impressed the 49ers.
San Francisco had fallen behind in the second quarter, 0-10, when coach Steve Marriucci sent Garcia out passing.
The 49ers scored five times in Garcia's next six series, taking a 14-10 lead at halftime and driving 90 yards to the decisive fourth-quarter touchdown.
Both of Garcia's scoring passes were thrown with the steam and accuracy of a poised veteran.
On a 21-yard play, he rifled one over the middle for a touchdown to running back Charlie Garner and next, on a 22-yard play, he lofted one into the corner to closely guarded wide receiver Terrell Owens.
The 49ers punted only twice in the three quarters with Garcia at the helm, once when a dropped pass stopped a drive, and once when the coaches tried to run the ball in defense of a fourth-quarter lead.
Montana at a comparable point in his 49er career was still backing up Steve DeBerg.
* * * *
Coming Up: An Unusual Ram-49er Game
In the biggest Ram-49er game of the 1990s at St. Louis next Sunday, the reborn Rams (3-0) will challenge their old tormentors (3-1) with the finest all-around offensive cast they've had in years, perhaps decades.
The new Ram quarterback, Kurt Warner, a candidate for the club's best since Norm Van Brocklin 50 years ago, completed 17 of 21 passes in Cincinnati Sunday and threw three touchdowns for a record third time in three games.
The veteran go-to Ram receiver, Isaac Bruce, whose only contemporary rivals for excellence might be Jerry Rice and Randy Moss, caught six passes this time for 152 yards.
Rounding out what seems to be one of the league's best three-receiver units, Terry Holt, a candidate for NFL rookie of the year; and Az-Zahir Hakin, the clever second-year Ram from San Diego State; totaled seven catches for 136 yards.
Marshall Faulk, who was thrown to only three times in this game, again gave Warner the running-receiving threat that every modern NFL passer wants.
Ram offensive coordinator Mike Martz, the pride of Sioux Falls, S.D., who was best known as a college player and coach before he learned 1990s pass offenses from Washington Coach Norval Turner in 1997-98, had a third winning plan in three weeks.
* * * *
Are the Defenses Beginning to Catch Up?
As a contest, the first Ram-49er game of the year appears to pack many of the elements of an offensive blockbuster.
Instead, though, it may show whether defensive players who have now been training against modern, pass-oriented offenses are finally catching up.
Some football fans think so.
As a passer, Warner is still a stranger to the 49ers, so it will come as a surprise to many NFL watchers if San Francisco wins with either Young or Garcia at quarterback.
Young is now in Montana's early-1990s shoes, when the aging 49er great began to fret about a new one wonder-passer who was fighting to take his spot.
* * * *
Warner in Right Town to Work Cheap
In St. Louis, Warner is making $254,000 this year, comparable with Garcia's salary but a fraction of Young's.
As the highest-paid football player of all time, Young will take in $10 million from the 49ers this season.
Reportedly, Warner says he isn't playing for money and he's happy with what the Rams are paying him. If he really thinks that, he's in the right town.
Over the years, Ram ownership, which loves to hear such talk, has traded off Hall of Famer Eric Dickerson and many others who merely wanted commensurate wages.
* * * *
Phillips Saves One for San Francisco
On the 49er roster, Walsh has apparently improved things at least somewhat this year with Garcia, Haley, and running backs Garner and bad-boy Lawrence Phillips, among others.
The 49ers' many Bay Area detractors announced several weeks ago that it was absurd for Walsh to bring in Phillips, who once pushed a woman downstairs and whose behavior outraged even Jimmy Johnson, the Miami coach who previously had never met a troublemaker he didn't like.
In the Monday night game in Arizona last week, there was another twist to a bizarre story.
With a sudden 68-yard run, Phillips scored the fourth-quarter touchdown that saved the 49ers, whose offense, even before Young was injured, had been standing still.
Though seven points behind, the Cardinals, after giving San Francisco two touchdowns in the first half, appeared to be surging when Phillips took off to bury them, 24-10.
* * * *
Here's Why 49ers Hired a Bad Boy
Walsh's reasoning for importing Phillips seems logical enough:
Garrison Hearst, the running back who made the 49ers a complete team last year in a 12-4 season, was injured, possibly for the entire season. It was too late to draft or trade for a first-class replacement.
No one else was out there but Phillips, whose personal history was depressing but whose talent had for years been taken for granted. It is the American way, or at least the NFL way, to give a man another chance.
There was little to lose with Phillips' comparatively small salary. If the deal didn't work out, the 49ers would be no worse off than they were the day before they signed him.
* * * *
New Coaches Impair Steeler Continuity
One problem plaguing Pittsburgh is that the Steelers' offensive team has had three coaches in three years.
Although that can be devastating to a young quarterback like Kordell Stewart, the lack of continuity throws off other offensive players, too.
There are wide receivers and offensive linemen who swear by the offensive coordinator the Steelers had in 1997.
There are others who thought they were coming along under the 1998 coordinator.
And there are those who see that they finally have a chance with the new coordinator, Kevin Gilbride, who inherited a mess but, to hear his supporters tell it, will straighten everything out in the first month of this new season.
Who takes the blame in such a predicament?
As usual, the quarterback.
There aren't too many Jeff Garcias and Kurt Warners. And who knows whether even Garcia and Warner are for real?
* * * *
Short subjects:
One sure thing about the Rams is that they have gained some momentum, which always helps, with three early-schedule wins against reorganized Baltimore, demoralized Atlanta and helpless Cincinnati.
Jacksonville Coach Tom Coughlin's response to those blaming his troubles on his inferior signal-calling: "Everybody is 20-20 in hindsight."
Tennessee quarterback Neil O'Donnell came to San Francisco with a third-down passer rating of 130.2 and improved on it. But his defense let him down.
The way San Francisco's opponents have been working over Steve Young, sometimes legally but usually illegally, it was a surprise to hear from New Orleans defensive back Chris Hewitt that he's going to appeal the $7,500 he was fined for hitting Young helmet to helmet. Even Hewitt's coach, Mike Ditka, was distressed by the illegal action. "It was a bad play on his part," Ditka said.


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Left to right: Michael Dunlop, John McGuinness, Michael Rutter and Simon Andrews will ride for Honda TT Legends during the 2013 IOMTT and EWC Races.
As the Honda TT Legends team prepares to enter its third year of competition, Honda Motor Europe has revealed a new line up for its 2013 Isle of Man TT Races fuelled by Monster Energy campaign.
Nineteen-time Isle of Man TT winner John McGuinness will be joined by two-time TT victor Michael Rutter and three-time TT race winner Michael Dunlop to form a three-man Superbike squad for the TT.
In addition to the Isle of Man TT Races, the TT Legends team will compete in the North West 200 aboard the Honda CBR1000R. Australian road racing ace Cameron Donald and 2011 fastest TT newcomer Simon Andrews will join the Honda TT Legends for the four-round Endurance World Championship with Michael Rutter and John McGuinness completing the four-man EWC rider line-up.
The new-look team was unveiled today at Motorcycle Live in the UK as McGuinness, Rutter and Dunlop took to the main stage for a Q&A with TT commentator James Whitham.
Simon Andrews joined the trio on stage but Cameron Donald was unable to attend as he is at home enjoying the Australian summer. The updated livery for the Honda TT Legends machine was also revealed – a tri-colour design that replicates that of the 2013 production Fireblade, re-affirming the close affinity between the race machine and its road-going relative.
Neil Tuxworth – team manager
"We're very pleased to have a really strong team both for World Endurance and the road races this year. The team that we've put together for both disciplines means we are in a much stronger position than last year. Looking at the road racing, we've haven't run a three-man squad for a number of years now. It's quite significant that not only are we running three riders but we are bringing Michael Dunlop in as one of those three. He's a young rider that already has three TT wins under his belt and we feel that he is the future of road racing. With Dunlop, McGuinness and Rutter – who of course have both been very successful on the roads – we have a very strong line-up for 2013."
John McGuinness – EWC and road race
"I'm really pleased to be involved with the team again. For EWC, I know the tracks, I know the bike and we're ready to start upping our game even more. We've done well during the development stage over the last couple of years but this is the year for us to fight for the podium and challenge for the championship. As for the roads, it's second nature for me now. I love working with the same crew that I've been with for so many years. The whole package just works and I don't want to change that. I'm ready to get stuck in and hopefully get some more wins."
Michael Rutter – EWC and road race
"I'm really excited to be riding with the Honda TT Legends next year. Endurance is not something I have done before so that's going to be a great experience and I'm looking forward to seeing what we can do there. I've obviously got a history with the Louth-based team as I did BSB and the roads with them for a couple of years in 2004/2005, so I'm familiar with the Fireblade and I know the crew well. It will be good to be back with the team and I'm really happy back with Honda."
Michael Dunlop – road race
"This is a big opportunity for me with both Honda and Dunlop and it's an honour to be riding for them so I'm looking forward to getting started. People are asking me how it will be for me having John as a team-mate but when we get on the bike it will be the same. I get on well with John but I don't worry about anybody else when I'm on track. As a team we've got a great line-up with Rutter as well so it'll be a pretty good show."
Paul Phillips, TT and Motorsport Manager, Isle of Man Government commented:
"It's great to see a three man factory backed Honda outfit at the TT Races again. Their chosen riders have multiple TT victories and are definitely going to be one of the teams to beat in 2013. The team represents a real commitment by Honda to the TT and this will only make the Superbike and Senior races even more competitive."


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HANG TIME HEADQUARTERS — We should apologize in advance for overloading your basketball senses with one of the most jam-packed Hang Time Podcasts of the season.
We tackle everything from Russell Westbrook's surge to the Thunder's chances to win it all to the chances of Anthony Davis being an immediate factor in the NBA to what's in store for Vinny Del Negro and the Los Angeles Clippers to why in the world one of our favorite analysts was rocking that "Elevator Ernie" Halloween costume on Fan Night last night on NBA TV.
You get all that and more on a loaded Hang Time Podcast featuring Oklahoman Thunder beat writer Darnell Mayberry, NBA TV and CBS analyst Greg Anthony (that's him wearing the "Elevator Ernie" outfit below, courtesy of a bet he lost to Chris Webber) and ESPN.com's Kevin Arnovitz.
As always, we welcome your feedback. You can follow the entire crew, including the Hang Time Podcast, co-hosts Lang Whitaker of SLAM Magazine and Sekou Smith of NBA.com, as well as our superproducer Micah Hart of NBA.com's All Ball Blog.
– To download the podcast, click here. To subscribe via iTunes, click here, or get the xml feed if you want to subscribe some other, less iTunes-y way.


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Amazon Finally Bans Incentivized Reviews
Sunday, November 06, 2016
From Wired magazine
17 Mar, 2018
AGAINST HER WILL On Saturday 17th March and Sunday 18th March this book will be free on Amazon. This book has now sold over 30K since it's release. The story concerns a young woman who is brutally attacked on her way home from work. She is deeply traumatized and struggles to recover from this. Along the way she is befriended by a young male nurse, but is he all he seems?
13 Jan, 2018
R.J. Ellory's A Quiet Belief in Angels - A Review
This book is a riveting tale. From the moment the story opened in 1939 through the eyes of twelve year old Joseph Vaughan, I was hooked. The story covers fifty years of Joseph's life, and tells how his life is linked and overshadowed by a series of grisly murders of young girls. When his own girlfriend is murdered in a similar way to the young girls, and he is jailed for a murder he didn't commit, Joseph decides to find the real murderer. Set in a small town in the Deep South of America, A
13 Jan, 2018
Michel Faber's The Crimson And The White - A Review
This immense novel is very detailed and obviously extremely well researched. In many ways, it is Dickensian in its rich depiction of characters whom you come to know intimately and its plot turns and twists. Indeed, apart from its sexual content, this has the genuine feel of an authentic Victorian novel. Some might see the ending as ambiguous as we don't find out what happens to Sugar and Sophie, but one hopes they find a good niche in society. The characters are so well drawn that you still
13 Jan, 2018
Alistair MacLean's The Last Frontier - A Review
My favorite MacLean novel, I read when I was a teenager. An undercover mission beyond the Iron Curtain to recover a defected scientist goes disastrously wrong. A Cold War thriller from the acclaimed master of action and suspense. Michael Reynolds was going insane! Slowly but inevitably insane. And the most terrible part of it was that he knew it. Since the last forced injection, there had been nothing he could do about the relentless onset of his madness. The more he struggled to ignore the
13 Jan, 2018
Cider with Rosie
Cider with Rosie is a very special book. I read it when I was fifteen for my O Levels, and even now it tugs on my heartstrings. If you can't learn something about humanity from this book then you are heartless and miss the point of being alive. The final chapter, written about a time between the wars, can tell us more about modern life, ASBO's and youth culture than many a dissertation about life.
13 Jan, 2018
J.D. Salinger's The Catcher In The Rye - A Review
A classic book, ahead of its time, which still holds up today. Since his debut in 1951 as The Catcher in the Rye, Holden Caulfield has been synonymous with "cynical adolescent." Holden narrates the story of a couple of days in his 16-year-old life, just after he's been expelled from prep school, in a slang that sounds edgy even today and keep this novel on banned book lists.
13 Jan, 2018
Harper Lee's To Kill A Mockingbird - A Review
Possibly the greatest novel of the modern era. I first came across this book in school, was captivated by its prose, its story of life in a small American town in the thirties. It's characters such as Atticus Finch, and his children Scout and Lem and the infamous Boo Radley still make me feel emotional to this day.
14 Oct, 2016
Kindle Unlimited Page Reads BY Derek Murphy
If your Kindle Unlimited page reads suddenly tanked, it's probably because of this… In several groups this week, a lot of my author friends started reporting worst-ever months and a drastic drop in income due to a sudden drop in page reads. For authors in Kindle Unlimited, page reads could often be as much as half the income generated from Amazon Kindle. Today, I saw a *hypothetical* explanation that seems on-point. Amy Hopkins posted in the Nanowrimo Facebook group: PSA: the new page flip
07 Oct, 2016
The Importance Of Reviews
The Importance of Reviews Reviews are important to all authors. They can make or break a book. That's why we all need them, and try our utmost to get them any way we can. However, they are anomalies in them, and because a lot of potential customers take so much notice of them, is it only fair that there should be some sort of regulation of them. Amazon will say they do regulate, and maybe they do – for instance, abusive ones are removed, but there are still a lot they don't do. In my


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Monday, 5 September 2011
Beetroot crisps with fennel salt
13 comments:
- Anonymous5 September 2011 at 15:36
Beautiful indeed and a great shot.ReplyDelete
Do you cook the beetroot slices before frying?
I didn't, even though the slices were relatively thick. Nice and crunchy; make sure to keep them moving in the oil though, otherwise they burn. Thanks for for the kind words guys!ReplyDelete
Sounds like a snack I'll love. And beautiful to that...ReplyDelete
Great idea to add the fennel - lovely pic too.ReplyDelete
Lovely! I bought some beets today to give this a whirl. I only have coconut oil so I'll see how I go ;)ReplyDelete
Gorgeous photography of food, I love beets and want to try this!ReplyDelete
I have no idea where to find Groundnut oil....is there an alternative I could use?ReplyDelete
Vegetable oil would work just as well...ReplyDelete
I can't wait to try these but I wonder, recently made microwave potatoe chips and wonder if you think that method would work for these?ReplyDelete
I like your write up , recipe is very different and interesting , do visit my space too , would like to have your feedback....http://anjalisfoodkaleidoscope.blogspot.in/ReplyDelete
i think you are both photographer and cook. very rare combination.ReplyDelete
clipping path services
till now i knew about only potato chips!! great recipe idea!!!ReplyDelete
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Teens and college students are the future leaders of Special Olympics.
It's the mission of Special Olympics to show the world the capabilities of people with intellectual disabilities.
We have more than 5.6 million athletes with intellectual disabilities and unified partners around the world.
Our celebrity supporters are Olympians, professional athletes, social leaders, and movie and music stars.
Eunice Kennedy Shriver was a pioneer in the struggle for the rights of people with intellectual disabilities.
Direction for our movement comes from leaders in government, entertainment, sports and business.
All adults and children with intellectual disabilities can become Special Olympics athletes. Here's how.
Get involved with Special Olympics in your neighborhood. Find the program nearest you.
Get involved with our Unified Sports, a quick path to friendship and fun.
Special Olympics has events and competitions happening in places all around the world. View our events.
Get results by sport and team for major Special Olympics competitions.
Explore how Special Olympics is creating a more inclusive, welcoming world for all.
Your gift of $35 will help train an athlete for an entire season. Give today!
Discover the many ways you can support Special Olympics through your estate plans.
Make a donation and send a card in celebration or honor of a loved one.
Donating appreciated securities, including stocks or bonds, is an easy and tax-effective way for you to make a gift to Special Olympics.
Newsletter: Sign up and get inspiring stories!
Kate McKenna
Ecem Acar
Bruce Campbell
We started downhill, and my son and Justin started carving ahead of us, and I had to stop to watch.
Jill Hammergren
Jakob Romeborn
Bavo Delbaere
Dovilė Šeduikytė
Nance Larsen
Dale Anderson
Popi Andreadou, a coach of the Greek Special Olympics ski team.
Gaelan Love
Genevieve Jiang
Chelsey Kimmel-Kendrick
Mika Hänninen
Peggy Malnight
Liza Reed
Kim Sampson
Stephanie Ralls
cade campbell
My name is Cade Campbell I just participated in Special Olympics alpine skiing up at Terry Peak on the 2nd and 3rd of February and I had the greatest time of my life.
Cristian Turcan
Maureen Clarke
Sara Prescott
Special Olympics welcomes applications for volunteer sport officials for the 2015 Special Olympics World Summer Games in Los Angeles California, 24 July – 2 August 2015. The application deadline is July 1.
Suzanne Coogan
Amie Dugan
Siret Kruk
Tessa Feeley
Mariusz Damentko
William Awumey
This week, Special Olympics Sports Department released two videos about what constitutes a successful Alpine Skiing event.
Presentation on Divisioning, the Coaching Guide and the Official Special Olympics Sports Rules for Alpine Skiing at the 2013 World Winter Games in PyeongChang, Republic of Korea.
Angela Ciccolo
I was so inspired by Zoe and her entire faimly. Her sister Skye and Mom and Dad spent Saturday morning at the Alpine Skiing venue. Zoe practiced every day to get ready for the competitions.
Carmel Jackson Hunter Region NSW
Special Olympics NSW put out a call for a volunteer for someone to come forward and coach Snow Skiing and Kenn Brown volunteered.
Ray Lane
Amanda Green Merriman
Bernie O'Driscoll
Shannon Coulson
Josip Adžaip
Chris Hull
Anne Knodle
Katharina Kiss
Candy Wragg
Gaye Barber wrote this poem for our Great Britain Team in the autumn and suggested it might be nice to have someone from South Korea to read the poem for us on video.
Nicole Newman
Avery started skiing at about the age of 5. I took him and his younger brother to a local ski hill and we went to the rope tow. He was a natural!
Amanda Merriman
Angie Jamie
Maureen Rabbitt
Deb Acosta


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Jamie's going to Japan. Dealbreaker has a memo from JPMorgan Chase's senior executive in Japan which says CEO Jamie Dimon is on his way: "Colleagues from around the globe are heading here to pitch in. In addition to Jamie, we will be seeing … others who are now booking their trips. In addition to keeping them very busy in the office and with clients let's make sure to show them our great city."
My first reaction to Dimon's possible trip was negative. If I were a major shareholder, wouldn't I want him to stop all these high-profile appearances and stay in his office for a while? Shouldn't he be working on business fundamentals? But after some thought, I realized it made sense for the CEO to fly to an important base of operations and reassure the organization's key clients and staff there.
Besides, Dimon can't be all bad. His head of Japan operations also wrote that Dimon and his wife sent one hundred pizzas to staff in Tokyo. "Thanks to Jamie and Judy Dimon for the longest-distance pizza delivery in history," writes Christopher Harvey. (Note to senior Chase executives: We accept free pizza at our office, too. No anchovies, please, Jamie.)
It's not me. It's you.
The real problem with JPMorgan Chase's Japan operation isn't the fact that the CEO's taking a trip there with a large group of people. The real problem with JPMorgan Chase's Japan operation is … JPMorgan Chase.
Where other companies have had difficulty exporting their business models to Japan, Chase has been too successful: Japanese regulators recently concluded that the bank is "too big to fail" in their country, too. In fact, Chase ranks number three among "too big to fail" institutions, say regulators there, exceeded only by Deutsche Bank and Goldman Sachs. Chase's very existence in Japan is dangerous, endangering its economy at a time when its own recovery isn't complete (after two decades of struggle) and as the nation reels of its recent catastrophes.
They're not playing it safe, either. A couple of years ago the bank announced that it was getting into "inflation swaps" on the Japanese yen, for example, a type of derivative that's essentially a bet on a currency's future inflation rates. Inflation swaps are often criticized because they're not considered "liquid" – they're hard to sell if cash is needed. They're not as volatile or dangerous as some other derivatives, and most of the investors betting on the yen are from outside the country, but it still makes us uncomfortable. It could be a problem if there's a sudden and dramatic change in inflation rates.
Maybe it's the fact that the credit default swaps which nearly brought down the economy were invented at Chase's predecessor organization, JPMorgan, that has us edgy. Or maybe it's the fact that in yen inflation rates, as in so many other areas, Chase isn't above letting its executives manipulate the market as well as manage it.
Shorting austerity
It's true that some analysts worry about a Japanese inflationary "death spiral" and the risk of hyperinflation (we're not conviced), even though things have been stable on the inflation front for a while. These fears are usually based on some of the same issues we hear raised in domestic debates: An aging population that isn't saving enough, too much debt, etc. Dimon himself expressed fears about the same issue at Davos recently, saying "governments have to express that we have the will to get this under control."
You'd think that Chase would keep a low profile in Japan if Dimon really believes that. The government's debt is high and there's such a growing population of older people. But three years ago Chase was announcing aggressive expansion plans there,although the overall economic picture was essentially the same then as it is today. And Chase had a bullish position on Japanese stocks less than three months ago, when a senior Chase executive was aggressively touting them.
Of course, banks are notorious for taking one position publicly and betting against it privately, so there's always the possibility that's what's happening here.
I bank with Mr. Bubble. And you?
Chase isn't above fueling a new bubble or two, either, just to keep the revenue flowing. "Here comes the dumb money!" said Ben Popper at the New York Observer after Chase set up a $1.2 billion tech investment fund and started chasing after investments in over-valued companies like Facebook and Twitter.
Here's a rule of thumb: If a company's so famous they've made a hit movie about its founder, and it still hasn't figured out make money, it's overvalued.
The bank seems to be following Goldman's lead in another way, too. It seems to be emulating Goldman's Facebook offering by doing an end-run around SEC rules. It looks like Chase will be creating "private share" investments in these companies. That's a trick that allows them to sell something that looks and seems very much like stocks – but isn't regulated like stocks. Goldman got so much heat from the SEC for its Facebook deal that it backed down and made the offer available only to customers outside the United States. Hmmm … tech offerings … not street-legal in the US … but can be sold to foreigners …
Will a new technology bubble be Chase's next export to Japan?
We make money the old-fashioned way. We overcharge.
If that doesn't work, maybe the bank can see how the Japanese like the new $5 ATM fees Chase is now laying on its Illinois customers. The bank's looking to expand its retail operations in the US by adding up to 2,000 retail branches in the next five years,supposedly to replace $1.3 billion in debit card transaction revenue it claims to be losing annually because of the Dodd/Frank bill.
(Really? $1.3 billion? On total annual revenue of $102 billion? That means they make a penny on every dollar from what's really nothing more than a cashier service. Dimon has everyone convinced they're in a glamorous business. Now we learn that he's running a vending machine company.)
Charging five bucks to make use an ATM? There's no risk in doing that – unless people start making withdrawals with crowbars instead.
Danger Man
At least retail banking isn't dangerous. JPMorgan Chase has 40% of the derivatives market in the US, which makes it very dangerous indeed. Dimon's attack on financial reform has essentially centered around the idea that he's a great banker who knows how to avoid risk.
Dimon doesn't seem to realize that his self-promotion defeats his own argument. If Chase is only safe because Dimon's "TBTF" – "too brilliant to fail" – then it will become a great danger whenever Dimon retires. (And for the record, nobody's that smart.)
When your bank poses a systemic threat to both the world's largest economy and its third-largest, something's seriously wrong. (A Chase executive might say "That's right! We're not big enough in China!")
We used to export cars, and steel, and consumer products. Now we export danger.
Easy Money
It must be a comfort the Chase and its shareholders to know that whatever they export to Japan next, they'll still be able to do the same thing there that they're doing here: Take cheap money from the central bank and use it to make money in unproductive or socially harmful ways. The Chase approach couldn't have been laid out any more plainly than this:
Masamichi Adachi, an economist at JPMorgan in Tokyo, said that established companies "lacked imagination" to take advantage of the easy money by proactively expanding overseas, for example, or taking other risks to bolster their businesses. (emphasis mine)
Thank you, central bank! We'll take your money and use it to drain jobs and capital out of the country. We'll encourage people to gamble with it, too. They may lose, but we won't, because we'll be taking a fee for every bet they place. Sure, we'll gamble too, but we're not worried because we know you'll bail us out.
If you've just been transferred from Wall Street to Tokyo, don't worry. I know it seems different to you now, but after you've been here a while you'll be surprised how much it reminds you of home.
This post was produced as part of the Curbing Wall Street project.


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Squirgle! action puzzler won't make you seasick
Squirgle! is an action puzzle game that should keep you busy for hours according to Powerhouse Games, the developer of this iPhone and iPod Touch game. By rotating the octopi you need to collect as many gems as possible in the two different game modes packaged in a nice marine theme with relaxing music and easy controls. The game features 120 levels and unique power-ups along with a nice collection of sea creatures that color the game's background. So far the game has been getting positive reviews with an average of 3,5 out of 5. Squirgle! is now available for $4.99.


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Mark Cross was established in 1845 as America's first luxury leather goods brand, specializing in saddles and harnesses for horses. Now offering premium women's handbags, the brand celebrates indulgence and elegance.


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About Us
Who We Are
When you choose to become involved in campus activities, You are expected to raise in the occasion of new challenges, meet new friends, and ultimately, have a really good time. We certainly want you to experience all those things, but there's even more to gain. What you may not have expected are some added benefits that go hand in hand with effective student leadership. Through firsthand experience in planning and implementing projects, you can expect to develop your problem-solving skills, enhance your managerial techniques and improve your interpersonal communication. You will have the opportunity to incorporate classroom theory into real life experiences which will benefit you, time and time again, both personally and academically. We want you to be as effective as possible! The Center for Student Development and Campus Activities exists to help you and your organization attain excellence. So when you're unsure of where to go or what to do, turn to The Center for Student Development and Campus Activities. We want you to succeed!
Vision Statement
To foster an inclusive, experiential learning environment and create dynamic co-curricular opportunities for the intellectual growth of our students as they prepare to be global leaders of the world.
Mission Statement
To develop students into responsible, well-rounded, and self-reliant individuals. We empower by promoting a broad range of programs and services to engage students in leadership development and to involve them in campus life. We adapt to the evolving needs of our students and community by building working partnerships within and outside of the university.
In fulfilling the vision and mission, the following values will guide the Center for Student Development and Campus Activities specific strategic goals and activities.
- Service to Students - We will continue to assist our students to achieve their individual and collective goals through leadership programs and services specifically designed to help them succeed and become greater global citizens and leaders.
- Diversity - We will actively model and promote a campus culture in which respect, responsibility, diversity of varied ideas, and individual perspectives are valued.
- Accountability - We will assist in the process of acquiring knowledge and developing skills to reach individual potential.
- Community - We will embrace a culture of open dialogue, mutual respect, commitment to long term relationships, collaborations and a sense of belonging that inspires Pace pride.
- Advocacy/Adaptability - We will support a campus climate that serves as agents of change through meaningful contributions within the campus, locally and globally.


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The internet outrage machine kicked into high gear this week when President Trump declared his inauguration day a National Day of Patriotic Devotion. The order itself is fairly inoccuous.
There are no greater people than the American citizenry, and as long as we believe in ourselves, and our country, there is nothing we cannot accomplish.
The level of arrogance required to declare your own inauguration a national holiday, though, is astounding. Unsurprisingly, it reminded many of third world despots.
Orange pelted poodle Donald Trump, in pitiable attempt to ape Juche Idea of General Kim Il-Sung, declares National Day of Patriotic Devotion pic.twitter.com/jQqzQU71iv
— DPRK News Service (@DPRK_News) January 23, 2017