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Tordex True Launch Bar v7.4
Tordex True Launch Bar v7.4 | 13 Mb
Looking at the motley crowd of shortcuts on your computer desktop but not able to find the one you need? Do you often find yourself looking for an app to run rather than doing your work? True Launch Bar can make your day go easier as it can solve these and many other problems related to quick access to your PC content!
It's the same Windows desktop you know and love. But with True Launch Bar, your workspace becomes more convenient and fun to use. Create a custom menu on the taskbar to list similar apps. Drag and drop necessary shortcuts there. Select menu icons to find applications quickly. If icons are not enough, True Launch Bar can show tooltips for you to find what you are looking for almost on autopilot. With separators and submenus, you can group items by topic and create any kind of a custom menu you want. Are you a fully-fledged touch typist? Awesome! True Launch Bar lets you specify hot keys for menus and shortcuts to open them with a touch of a button.
Keep important things at hand
With True Launch Bar, reaching for computer folders just became the easiest part of customizing your computer desktop to your needs. Create a custom menu from a folder using the program and everything you want will come to life with a mouse click. My Documents, Control Panel, Games and everything in between: you'll be able to create menus for all folders! For example, you can create a menu with printers and manage them from the context menu. True Launch Bar can show thumbnails of your photos in a menu or display the list of recent documents. Filters can help you focus only on the files you need in a menu.
Add a personal touch with taskbar applets
Part of the fun in customizing your desktop with True Launch Bar is adding a personal touch with plug-ins. Rather than using default shortcuts, you can now add buttons that work like small applets! Imagine being able to check incoming mail, see weather forecast, track the latest news, manage contacts in a small address book, change music volume, control system parameters, and more - all using the button applets on the taskbar. With our library of plug-ins for True Launch Bar, you can choose from dozens of taskbar applets that let you do all that and more!
Rejuvenate your desktop with skins
You can use default skins but if you like beautiful things, why not have some fun? Whether you want stylish, artistic, cute or fun, True Launch Bar has a skin for you. If you're the creative type and want to have more freedom in personalizing your desktop, why not create a skin of your own? The format of a skin in True Launch Bar is fairly simple, so designing your own skin is not a problem at all! Minimalists can simply change colors for elements. Those who have Windows Vista or Windows 7 can make use of all the advantages of the Aero interface - translucent, glass menus look totally outstanding! But even without skins, True Launch Bar looks clean and nice, exactly as other system panels or menus. The program fully supports default Windows visual styles.
Taskbar and more!
You can enjoy all the advantages of True Launch Bar not only on the taskbar, but also as a side panel. The side panel can be snapped to any edge of the screen on any monitor. We have created a special standalone version of True Launch Bar that can work independently from Windows Explorer. You can use True Launch Bar as a side bar. In Standalone True Launch Bar, you'll discover an extended auto-hide feature control. Moreover, for Windows 7 the standalone version is the only way to create an external bar beyond the taskbar.
Home Page -
Download link:
Download Via Rapidgator.net
Download Via Nitroflare.com
Download Via Nitroflare.com
Links are Interchangeable - No Password - Single Extraction


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Retro Classic Sophisticated Tie Bar
In Stock | STYLE: MTB103
Available in 7-10 Business Days
A true Tacori Gentleman doesn't shy away from diamonds. This silver tie bar with brilliant diamonds will elevate any of your outfits.*Prices are subject to change based on fluctuations in metal prices and currencies
Spanning four decades, Tacori designs have fused classic elegance with modern inspiration, creating some of the world's most highly regarded and exquisite jewelry. The stunning beauty and intricacy of each piece of Tacori jewelry is the result of an uncompromising passion for artisanship. Handcrafted in California, these remarkably detailed rings and fine jewelry pieces become the timeless symbols of connection that join individuals and generations.
General Details:
Sterling Silver
Available in 7-10 Business Days
Center Gemstone Details:

subset: commoncrawl


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Latest News
Hallandale Beach teens charged with murder had wanted to hire prostitute
Every night, Jose Carlos Llano Xolo's parents left their Hallandale Beach apartment for work, not returning until dawn.
Left alone, Llano, 14 and his cousin Juan Xolo Merlin, 17, would slip out of their apartment and into the night, neighbors said.
Just after midnight Wednesday, the teens left their home, hoping to hook up with a prostitute. They never made it back.
Instead, the boys are being held at Broward's juvenile detention facility, charged with second-degree murder.
According to the Broward County state attorney's office, they confessed to killing the man who introduced them to the prostitute, stabbing him several times with a writing pen.
The motive: $40.
Llano and Xolo told Hallandale Beach police that they had met their victim hanging out in the 800 block of North Federal Highway. They each offered to pay him $20 if he introduced them to a female prostitute.
The man, who has not been identified by police, did as he was asked. But the prostitute turned the boys down because they each only had $5 on them.
The man still demanded his payment.
"The victim advised them he still wanted to get paid for introducing them to the female prostitute," the arrest report reads.
Llano agreed to go home and get some more money, but when he returned, the 14-year-old was carrying an HP laptop computer. He offered to give the man the laptop instead of cash. But the man refused and a fight broke out.
Two witnesses, hanging out in front of Advanced Auto Parts at 117 N. Federal Hwy., called 911.
"I didn't realize they were kids," said Marcus Mauppin, one of the witnesses. "They looked like grown men."
When police arrived, they found Llano and Xolo, both shirtless, hovering over a man laying on the ground and striking his body. The teens ran away, but did not get far. Handcuffed, they were taken into custody.
Police called Eli Llano Caixba and Yanet Xolo Martinez, the 14-year-old's parents. They are also Xolo's aunt and uncle.
Llano-Caixba told a reporter Thursday night that he was too busy to talk.
"The parents are very concerned with all the attention that has been drawn to this particular event," said Chief Assistant Public Defender Gordon Weekes, whose office is representing Llano. "They are supportive of their son and they acknowledge the loss of the family of the deceased."
Neighbors in the Terra apartment complex said the family has only lived in the building for a few months, and Xolo lived with his aunt, uncle and cousin while his parents remained in Mexico.
"They kept to themselves," said a neighbor who only identified herself as Louisa, adding that she would often see in the boys in the hallway. "I don't think they went to school."
Llano was enrolled at Olsen Middle School; Xolo was not enrolled in school.
On Thursday, during an arraignment hearing, at Broward County judge ruled the teens will remain in custody at least until Jan. 10. At that time, prosecutors will decide whether to charge them as adults. They could face a maximum of life in prison if convicted.
After they were taken into custody, both teens confessed to their role in the killing, according to the police report.
Llano, who was described by police as "nervous,'' said he held the man in a chokehold while his older cousin stabbed him with a pen.
Xolo admitted striking the man with his fists, kicking him and stabbing him.
Police have not released any information on the dead man, pending notification of next of kin.
However, WFOR-CBS4 has identified the man as Gregory Hyppolite, 32


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A BL Harry Potter fancomic! pairings: hp/ss, hp/other male characters, ss/other male characters warnings: AU, mpreg, minor OCs. Stay updated with this comic and other Snarry goodness at dastardly-lemondrops.tumblr.com. You can also follow me on twitter at CorgiNub and Instagram at masaothedog.
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February 20th, 2012, 11:27 pm
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Sen. Kelli Stargel has filed a measure aimed at helping amusement arcade owners worried about a law passed last year that put Internet cafes out of business.
Stargel, R-Lakeland, said her proposal is intended to "clarify" what state lawmakers did last year in a hastily-approved law banning Internet cafes -- often likened to storefront casinos -- and "senior arcades."
But Stargel's proposal also goes further to address restrictions about amusement games that have been on the books for a long time but have generally not been enforced.
Decades-old state law requires arcades to have a minimum of 50 machines, which must be coin-operated. Prizes are capped at a value of 75 cents, something that hasn't changed since 1967, according to Stargel.
Her bill would do away with the minimum number of machines; allow the machines to operate with "swipe" cards, dollar bills or slugs; and raise the value of prizes to $5.75, or what 75 cents in 1967 is worth today.
The restrictions were largely ignored but now bowling alley operators, small hoteliers and some retail stores have asked for clarification of whether their machines are legal.
"This really has nothing to do with gaming. It has to do with amusement machines," Stargel said.
The bill would clarify what large arcades like Chuck E. Cheese's and Dave & Buster's, as well as smaller facilities, "can and cannot do," she said.
Stargel's proposal, filed late Wednesday but not immediately assigned a bill number, would also make it clear that claw machines are legal by raising the limit on the value of a skill-based game that directly dispenses prizes to $50.
The Legislature outlawed Internet cafes last spring in the wake of a gambling sting that resulted in 57 arrests and prompted the resignation of former Lt. Gov. Jennifer Carroll. Carroll once consulted for Allied Veterans of the World, a nonprofit at the heart of the racketeering investigation, but was never charged with any wrongdoing.
Stargel said the proposed changes won't impact the ban on the storefront casinos.
"I don't think there's any way you can construe it to opening the door up for those. We're just clarifying that little piece that's already exempted because it's not gaming. It's amusement," she said.
Brian Neslund, who owns the Family Fun Center in Lakeland, said Stargel's proposal should clear up confusion and put arcade operators like himself at ease in part by raising the limit on the value of the prizes in the claw machines, now 75 cents, to $50.
"Essentially what we'd have to put in would be very cheap-quality prizes which is what everyone complains about when they come into an establishment for kids," Neslund said. "The prizes of 75 cents are not things that would entice people to play the games. People don't want to play for a 75-cent prize."
Senate Gaming Committee Chairman Garrett Richter said he supports the concept of fixing "unintended consequences" of last year's law, either in Stargel's bill or as part of an omnibus gambling package he is now crafting.
"I'm ready to embrace solutions to those problems," Richter, R-Naples, said.


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More from Infinity
Brazilian ethanol prices trading above raw sugar futures for the first time in almost two years are spurring speculation that millers will favor making the biofuel over the sweetener in the season starting in April.
Hydrous ethanol, used in flex fuel cars in Latin America's largest economy, is trading at about 19 cents a pound, according to Lausanne, Switzerland-based Kingsman SA, which has provided sugar and biofuels research for more than 20 years. The price is 4.7 percent higher than raw sugar futures trading at 18.14 cents a pound on ICE Futures U.S. in New York today. Ethanol surpassed sugar for the first time since April 2011 on Feb. 7, said Beatriz Pupo, a Kingsman analyst.
"If ethanol prices continue rising, millers may well prefer to produce ethanol and sell it in the domestic market, which will provide them with cash quicker," Pupo said by phone from Montreal yesterday.
The global sugar surplus that sent prices down the past two years may be eliminated within 18 months depending on the amount of cane that is used in Brazil for ethanol, Jonathan Drake, chief operating officer at RCMA Commodities Asia Ltd. and former head of sugar trading at Cargill Inc., said in an interview in Dubai on Feb. 4. Sugar futures climbed 1.8 percent yesterday, the biggest gain since Jan. 30.
Currency Gains
Millers in Brazil, the world's biggest producer of sugar, convert cane into ethanol to sell mostly on the domestic market for reais or into the sweetener, which is largely sold overseas for dollars. The strengthening local currency, which has gained 4 percent against the greenback this year, the most among 25 emerging-market currencies tracked by Bloomberg, also diminishes the allure of exporting sugar. Brazil's currency had fallen 22 percent between June 2011 and the end of last year.
"The strengthening real is also making sugar exports less attractive in relation to ethanol as sugar is sold in dollars," Pupa said. That would be another incentive for millers to make more ethanol, she said.
Brazil Finance Minister Guido Mantega signaled a new ceiling for the real last week, saying in an interview with Reuters that the government will curb gains in the currency should it strengthen to 1.85 per dollar. Exchange-rate policy hasn't changed and Brazil won't allow speculative appreciation of the currency, the Finance Ministry said in an e-mailed statement to Bloomberg on Feb. 8.
Carnival Holiday
The real strengthened beyond 2 per dollar for the first time since July last month as Brazil exempted foreigners from a tax on real-estate funds traded on the stock exchange, encouraging speculation that inflows would sustain the currency. Trading in the real, which closed last week at 1.9727 per dollar, resumes tomorrow after the two-day Carnival holiday.
Should sugar prices remain below ethanol, millers in Brazil's center south, the country's main growing region, may direct 44 percent to 45 percent of their cane crop in the 2013- 14 season to making sugar, London-based futures and options broker Marex Spectron Group said in a report e-mailed yesterday. That's down from 49.6 percent in the current season, data from Sao Paulo-based industry group Utica showed.
"If prices remain below the parity during the peak of the center south Brazil harvest period (say June to September), then the mix could fall to about 44 percent to 45 percent and thus 'lose' some 4 million tons of sugar production," Paul Bannister, the head of sugar brokerage at Marex Spectron, wrote in the report.
Ethanol Tax
Sugar may need to climb to 19.75 cents a pound to make it attractive enough for millers to favor the sweetener over ethanol should the government eliminate taxes on the biofuel, Marex Spectron estimates. Brazil is planning to reduce taxes on ethanol to stimulate domestic production and consumption of the biofuel, Trade and Development Minister Fernando Pimentel said in an interview with Valor Economic newspaper last week.
"If there was to be a change in the taxes then, definitely, there is a substantial change in the outlook for sugar," Tom McNeill, a director at Brisbane, Australia-based researcher Green Pool Commodity Specialists Pty., said by phone.
Sugar is down 7 percent this year after falling 39 percent in 2011 and 2012 as supplies are set to outpace demand by 11.5 million tons in the 12 months starting Oct. 1, Kingsman estimates. The Standard & Poor's GSCI gauge of 24 commodities has climbed 5.1 percent this year and the S&P index of 500 stocks is up 6.4 percent.
Less Sugar
Denatured fuel ethanol futures in Chicago, where corn is the chief feedstock, climbed 7.7 percent this year. Crude oil gained 6.1 percent in New York.
Brazil's center south sugar production may total 4 million tons to 7 million tons less than currently forecast should millers switch more production to ethanol, according to Green Pool. Sugar output in the region will be 36 million tons, according to a Feb. 4 estimate from Copersucar SA.
A 20 percent increase in Brazil's ethanol consumption would eliminate the sugar surplus, Ben Pearcy, chief development officer and managing director of sugar and bioenergy at White Plains, New York-based Bunge Ltd., said in an interview in London on Nov. 28.
- Isis Almeida in London at Bloomberg.


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Vegan Mofo 2012: 10 Minute Soup
Some days you just don't want to spend an hour cooking. This is one of my answers to those days.
It's not really a recipe, since it depends on what I have on hand.
1. Put about 2 cups of water or stock in a saucepan, and heat over medium high.
2. Decide on your seasoning base. You can use bouillon or season later with miso, I usually add a few dashes of shoyu (naturally fermented soy sauce), a smashed clove of garlic, sometimes ginger, herbs, or red pepper flakes, and a few drops of sesame oil. If you used stock, you can skip this step.
3. Add your veggies. I always keep frozen spinach and peas on hand, so they're usually in this soup, along with fresh onions and carrots. Mushrooms, roasted red pepper, broccoli, leafy greens, green beans and sugar snap peas have also found their way into my pot. Hearty veggies go in first, more delicate veggies go in last.
4. Add protein if you want. This is a perfect place to use leftover seasoned tofu, tempeh, cooked beans, or premade meat analogs. I used Morningstar Farms chick'n strips in this bowl.
5. Add your noodles. The cooking time actually depends on how long your noodles will take to cook. These noodle take less than 5 minutes, but something like penne or fettuccine would take a lot longer. You can also use orzo, leftover pasta, or leftover grains like rice or quinoa.
6. Garnish! Toasted sesame seeds, shredded nori, and greens onions all make great garnishes, but it depends on what's in your soup and what you have on hand. If your soup is more Italian, fresh basil might be better.


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A new project led by IUCN will unveil the mysteries of southern Indian Ocean seamounts and help improve conservation and management of resources.
Two research expeditions will survey seamounts, underwater mountains of volcanic origin that are hotspots of marine biodiversity. The aim is to determine priority areas for the establishment of future marine Protected Areas, and improve the management and conservation of the fragile species and ecosystems on oceans.
Onboard the Norwegian research vessel Dr Fridtjof Nansen, a team of the world's leading experts from the UK, Germany, Denmark, Switzerland, South Africa, Madagascar, Norway and France will study the ecosystems around the seamounts.
"It is critical that we get more information on the impact of climate change on these deep-water species, in order to help set up protective measures. Deep-sea species are particularly vulnerable to climate change" Dr Alex David Rogers, Principal Scientist and Marine Biologist at the Zoological Society of London.
Starting its voyage on November 11, 2009 at Reunion island, the vessel will sail southwest to the Indian Ocean Ridge to study five seamounts located between 32° 00' S and 41° 00' S, and end its journey forty days later, in Port Elizabeth, South Africa. The second cruise, tentatively scheduled with the UK vessel RSS James Cook, will follow the same route, at the end of 2011.
"The momentum for improved regional and international cooperation in managing the high seas resources is really building, and it is extraordinary to be able to stimulate this process with new data" says Sarah Gotheil, from IUCN Global Marine Programme.
For more information contact:
Sarah Gotheil, Programme Officer, Global Marine Programme, IUCN (aboard the ship)
[email protected]
Pia Drzewinski, Media Relations Officer, Global Communications, IUCN
[email protected]
Project's website: www.iucn.org/marine/seamount
Follow the expedition progress on the seamounts blog: http://seamounts2009.blogspot.com/


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Hi Craig.I live in Canberra XD but don't hold that against me. We have a hacker space here called Make Hack Void, which I haven't been to yet. I get my duino fix here on this forum for the time being. There are a few hackerspaces in Sydney - Also, in case you didn't already think of it why don't you pm the other guys that have posted on this thread. Good luck Pedro.
Hi, absolute beginner, looking for group meetup to do with arduino and projects related. Would be keen to chat to like minded locals with a bit of interest in electronics, but no real knowledge. Learn and trial together, check over each others work etc...Anywho, I'm in deewhy. Any interest?


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Gunns Camp Hollyford Valley - Milford Sound
Kyle te kiwi shows us Gunns Camp Hollyford Valley, Milford Sound
"The home of legends, tall stories and laughter." A page out of history, set on the banks of a glacial stream at the bottom of the hill before the Homer Tunnel, down the Hollyford valley is the truly "off the beaten path"
Gunns Camp. Email: firstname.lastname@example.com
Bare Kiwi is your FREE online guide to New Zealand made by us the locals for you the traveler. As you read, we are currently on the road filming.
We are here to show you an honest image of Aotearoa and how to best find her heart beat.
For more FREE video's and travel tips visit http://www.barekiwi.com


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some screenshots so far..
Digital Car for Android Alpha 0.2 OUT NOW...
Grab it from HERE
New in this version (Alpha 0.2)
Added 8 preset app buttons
Added App Launcher
Added Background chooser
Added Power awareness
Added Other media awareness, pauses for navigation / Tunein etc..
Added lots more.. (apols, can't remember everything)
Power awareness -
1st set your device to sleep to 15 seconds - go to settings, display, sleep = 15 sec'd
plug in your device and start Digital Car for Android up
When you unplug it, it will pause and then let it self go to within 15 seconds
Plug it back in and it will start playing
Background -
To set you own image as a background, goto your internal storage device and you will see a folder called DigitalCar/Backgrounds. Just store them in there and next time you start DC up it will have them included. Please keep the images around 100k so not to cause a bitmap loading error.
I still need to do lots more, mainly in the settings.
Have fun......
To All,
I've started to create a frontend on Android to run horizontal on a 7 inch or greater tablet. I'm after some testers to give me feedback / ideas etc.
My key points that I want to achieve with this app are as follows;
Easy to use (this is a MUST)
Does not need any external applications
Works first time
At the moment I want it to do the following;
Play media files (music and video)
Onscreen volume controls
Then, it will be .. what's next ?
NOTE - I do intend to charge for this app once it's fully released into the play store, I don't want people to think that I've somehow mislead them so want to put this out there right from the start.
Anyway, I will be releasing a DigitalCar.apk soon so you can have a play and report back.
Please register your interest below; :-)
Last edited by CdRsKuLL; 31-07-2014 at 21:30.
some screenshots so far..
Count me in please......
I have an original Galaxy Tab 7in GT-P1000 which i use constantly in the car for SatNav (Tomtom), Music, and Internet...
Android is crying out for a "proper" Frontend, similar to what we have been used to on the CarPC platform ....
Good luck with your efforts....
Car : Ford Focus Zetec S 1.8
Carpc :Lin-ITX Plus 7" touchscreen/Toad 8" roof screen
Morex 3688 case/M2-ATX PSU/Commell V-672 P4 3.2Ghz/1024DDR2/40GB 2.5" SATA HDD/Sony DVD/CDRW
BU353 GPS/Mercury 11b WiFi/Parking Sensors
Colour I/R Reversing Camera
Hmmmmm, do I change to an android tablet???????? looking good Steve :)
Vauxhall Astra SXi Car PC installed.
Well, here is my first alpha release of Digital Car for Android...
First Tip
On the media screen you have 3 buttons (i,ii,iii) these remember folder locations. To SET the location, navigate to where you want and press and HOLD the button for 2 sec's.
I've tested it on my Samsung Tab 8 and it seems to work fine. This is an 8 inch tablet with built in GPS.
Please post comments / screen results etc. The more info you can supply the better.. ie tablet name / gps enabled etc..
Grab it from http://www.cdrskull.co.uk/DigitalCar.zip
Download it, unzip it and copy it over to your tablet. It will say it's from an untrusted source, but this is because it's not signed. (for testing)
Have fun :-)
Here's a little update...
Now integrated google maps / chrome (sort off..) you can open the apps from inside Digital Car and my app displays the floating icon to get back :-)
hopefully get some more done on the settings screen today.
Please let me know when you settle on a cheap Tab for your car that will run this for sure........ and I will invest.
Pity my 7in Tab GT-P1000 isn't suitable..... but it was the original tech and OS ...
Car : Ford Focus Zetec S 1.8
Carpc :Lin-ITX Plus 7" touchscreen/Toad 8" roof screen
Morex 3688 case/M2-ATX PSU/Commell V-672 P4 3.2Ghz/1024DDR2/40GB 2.5" SATA HDD/Sony DVD/CDRW
BU353 GPS/Mercury 11b WiFi/Parking Sensors
Colour I/R Reversing Camera
Updated first post... New release
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- Home
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Here are five of my thoughts on Sunday afternoon:
1. I laugh at Joe Lunardi having Kentucky among his "First Four Out." Unless the Wildcats lose at Georgia, get blown out by Florida, then lose their first game in the SEC Tournament I don't think there's any way they are left out of the NCAA Tournament. Ever since Nerlens Noel's injury I thought UK would play in the "First Four" at Dayton, Ohio. The NCAA Selection Committee isn't stupid and it knows that Big Blue Nation would gobble up tickets for that game. Personally I'd love to see UK play North Carolina in a "First Four" game.
2. Big win by Louisville yesterday. I see the Cardinals as a No. 2 seed in the NCAA Tournament. However it may be more important for them to win the Big East tourney. That's because four of the last six champions of the conference tournament have advanced to the Final Four, including UofL last season.
3. The Cornerstone Christian boys' basketball team finished as the runner-up in the Kentucky Christian Athletic Association State Tournament, which ended yesterday. Congrats to the Bulldogs on a great season.
4. South Oldham won the boys' 8th Region Tournament last night. That just gives even more credence to my statement in Friday's paper that the tourney should have just been called after the Collins-South Oldham game. The record books will say that the Dragons beat Oldham County in the final, but in my mind the 8th Region final will always be Oldham County 85, Collins 82 in OT.
5. As for the boys' Sweet 16 it looks like it's Ballard's tournament to lose. The Bruins should be the overwhelming favorite. In my bracket I've got the Bruins facing off against Madison Central in the state final. However I do think a semifinal game between Montgomery County (where Shelby County transfer Bryan Wallace plays) and Ballard could be very interesting.
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Lime Oak GREGE
iD INSPIRATION 70 & 70 PLUSLime Oak GREGE
Available in 1 format
See this collection in the 2019 Play Book
This collection inspired one of the interiors presented in the 2019 Play Book. Click here to discover interiors designed by Paris-based Design Studio 5.5.
With endless possible combinations to customize your floor, iD Inspiration 70 & 70 PLUS vinyl tiles and planks take interior decoration to a new level. Mix and match wood, stone and metallic designs, play with unexpected colour shades and combine with matching accessories. iD Inspiration offers you endless combinations of format, design and beveling to help create spaces that build brand image and positively shape the customer experience. 22 designs are available with Embossing in Register which enhances the floor with textures that bestow a look and feel resembling to mistake with the real thing.


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2014 Kia Sorento AWD 4dr I4 LX
|Price : $10,888
|2014 Kia Sorento AWD 4dr I4 LX
Black / Gray
98,866 Miles / VIN: 5XYKTCA69EG540761
Contact Michael Russo at Speed Auto Sales & Leasing
Phone : (480) 725-1205
5746 North 7th Street , Phoenix, AZ 85014
2014 Kia Sorento AWD 4dr I4 LX
|Black / Gray 2014 Kia Sorento AWD 4dr I4 LX
|SUV, 4 Doors, All Wheel Drive, 2.4L 191.0hp, 4 Cylinders, Automatic Transmission
|Stock: 540761
|City MPG
|Hwy MPG
Actual mileage may vary
Vehicle Description
Additional Photos
Standard Equipment
At Speed Auto Sales, we are here to make purchasing your vehicle as easy as possible.
Of course, if you need further help, do not hesitate to contact us and we will do everything we can to get you approved.
We inspect our vehicles through fully before we purchased them. However, for your piece of mind, we offer extended warranty on top of manufacturer warranty (when still in effect).
Understand that a third party provides these extended warranties for an extra cost.
Please, inquire about them. Our team is here to help you make your purchase as smooth as possible.
Featured Vehicles
All advertised prices exclude government fees and taxes, any finance charges, any dealer document preparation charge of $495, and any emission testing charge. While we try to make sure that all prices posted here are accurate at all times, we cannot be responsible for typographical and other errors that may appear on the site. We make every effort to provide you the most accurate, up-to-the-minute information. However it is your responsibility to verify with the Dealer that all details listed are accurate. Not all vehicles will come with 2 Keys or Nav. discs, factory sticker, floor mats or manuals. Please refer to the photos or ask us. The dealership is not responsible for typographical, pricing, product information, advertising or shipping errors. Advertised prices and available quantities are subject to change without notice. All rates and offers are dependent on bank approval, which varies based on applicant credit as well as the vehicle. Speed Auto Sales of Arizona is a licensed and bonded dealer in the state of Arizona and all transactions take place in the state of Arizona and only Arizona Laws apply. The buyer is originating the transaction in Arizona and in no other state.


text:
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Thaera - Shadows of Eternity is a total conversion mod for the Elder Scrolls V: Skyrim. This is a entirely new game based on the Creation Engine.
Only registered members can share their thoughts. So come on! Join the community today (totally free - or sign in with your social account on the right) and join in the conversation.


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It is a fan controversy, not a team or coaches' controversy. Yet it is wearing me out.
Stop coming up to me while I am walking my dog, chilling at my favorite watering hole, or putting gas in my Jeep, to ask me if Matt Leinart should get some playing time.
Well, uh, no.
The NFL is a complicated league. Football is probably the most complex team sport known to man.
Houstonians have fun and frustrations trying to figure out why the Texans have never had more than nine wins in a season.
In football, not every bad link in a chain breaks the whole chain. But, obviously, the weaker you are at a spot, the stronger you must be at another.
When it comes to the Texans, Matt Schaub is not the problem. Heck, he isn't even a weak link.
I receive dozens of e-mails a day saying that Schaub is the team's biggest issue. I regularly get into conversations with friends and strangers and Texans' fans who think he is the reason they haven't been able to celebrate more often.
Yes, I have long been a Schaub guy, but as Reggie Hammond said, "We ain't brothers, we ain't partners and we ain't friends."
No objective observer should have a problem with me saying that there aren't 10 QBs in the league I would rather have running the show than Schaub.
Would the Texans have won more in the last couple of years if they had Tom Brady, Peyton Manning, Aaron Rodgers, Drew Brees or Ben Roethlisberger on the roster? Well, yeah.
That doesn't mean Schaub is a bad QB. So he has been a tad off this year, but that doesn't mean he needs to be replaced either.
Schaub has always been a very accurate passer (64.3 percent career; only 59.2 percent this year). To think that he won't find his groove soon is ridiculous.
Do note that the Texans have faced the Nos. 1, 2, 3 and 9 defenses in the league in completion percentage. Houston's three losses came to the teams that are 1-2-3 on that list. That means Schaub and the Texans have to play better against good defenses, or they won't make the playoffs or certainly won't do any damage in them once they get there.
But if you have a quarterback of Schaub's caliber, you don't move him unless a Brady, Manning, Brees, etc. gives you a call and says he would like to play for you.
That's the thing I think many of you are missing. I'm not talking about it simply being a difficult thing to improve at quarterback. I am saying it is so much easier to improve elsewhere.
As much as most of you want improved cornerback play, you don't go around comparing Kareem Jackson to Darrelle Revis and Jason Allen to Nnamdi Asomugha. You want better receivers, but you don't say Kevin Walter is no Larry Fitzgerald and Jacoby Jones is no Calvin Johnson.
Yet, you don't hesitate to say Schaub isn't as good as Tom Brady. Well, no he isn't. And neither is anyone else on the planet, aside from Aaron Rodgers. (Man, is that guy good.)
But Schaub is closer to the best at his position than the majority of Texans starters. Think about it. How many Texans starters are in the top 10 at their position?
Leave Schaub alone. Direct your ire elsewhere.
My goodness, Alex Smith, as terrible as he is, and Jason Campbell, as inconsistent as he is, have led teams to 5-1 and 4-2 records, respectively. Don't try to tell me that the Texans' 3-3 record is on Schaub.
If you think you could put Smith and Campbell on the Texans and Houston's record would be better than 3-3, you're nuts. And I guarantee you, 49ers coach Jim Harbaugh and Raiders' coach Hue Jackson would trade Smith and Campbell straight up for Schaub in a heartbeat.
QB is not the Texans' problem.


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Events for March 1, 2018
Events Search and Views Navigation
10:00 am
Miss Jenna's Story Time!
Miss Jenna's Story Time! Join us Thursday mornings at 10:00 a.m. for a 20-30 minute story time featuring stories for ages 4 and under Please contact the Valentine Public Library with any questions at 402-376-3160 or email@example.com out more »


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So you might remember this post from a few months ago, where I wrote about how much I love my boyfriends sense of style and also did an outfit post with him. (Honestly, if I was a guy, I'd be the spitting image of him style-wise. I just love everything about him!)
And I also wrote about how sad I was that he didn't want to start a blog of his own, even though I've been telling him to do it for the past 3 years, but hey, not to worry! - I am going to be featuring him on my own blog from time to time!
Here's another outfit post from him. Enjoy xoxo
Sunglasses: ZARA (last season)
Shirt: ZARA (last season)
Blazer: ZARA (last season)
Trousers ZARA (last season)
Shoes: ZARA (this season)
Watch: Cartier
Can you tell we love ZARA...?! A little too much, yes.


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Funeral arrangements have been set for Don Davis, the multitalented legend in local banking and music circles who died June 5 at age 75 following a brief illness.
A three-time Grammy winner who had his own music label, Groovesville Music, and was a producer for the powerhouses of soul in the 1960s and 1970s, Detroit's Motown and Memphis' Stax Records, Davis also co-founded Detroit-based First Independence Bank in 1970. The bank was founded to provide mortgage and commercial loans to the area's underserved African-American community at a time when red-lining made it difficult for blacks to buy houses.
Davis was chairman and CEO of the bank when he died. As of March 31, it had $209.1 million in assets.
Public visitation for Davis will be 2-8 p.m. June 19 and 10 a.m.-3 p.m. June 20 at the Swanson Funeral Home at 14751 W. McNichols Road in Detroit.
A memorial service will be held June 20 from 6-8:30 p.m. at the Music Hall Center for the Performing Arts, at 350 Madison Ave. in Detroit, and another service will be held at the Music Hall at 10 a.m. on June 21.
Donations in Davis' name may be sent to the Don Davis Scholarship Foundation, 44 Michigan Ave., Detroit, MI 48226.
Tom Henderson: (313) 446-0337, [email protected]. Twitter: @tomhenderson2


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With his surge to the front of the 2012 Republican presidential pack, Rick Santorum has recently been trying to rebrand himself as more than just the party's leading social conservative cheerleader.
But that goal fell by the wayside over the President's Day weekend. The former Pennsylvania Senator was in full culture-warrior mode, igniting a media firestorm with some fairly extreme remarks about President Barack Obama and his social policies.
Here are the highlights of Santorum's latest red-meat message:
Obama's politics are based on a "phony theology."
Santorum took his conservative religious rhetoric to new heights Saturday, telling Tea Party ralliers in Ohio that Obama's policies on contraception are "some phony theology."
He added later that the President is bringing America "to the brink of socialism, to the brink of losing our freedom."
"It's not about you. It's not about you," Santorum said. "It's not about your quality of life. It's not about your job. It's about some phony ideal, some phony theology. Not a theology based on the Bible, a different theology, but no less a theology."
Santorum clarified to reporters later that he was not questioning whether Obama is a Christian (he is).
"If he says he's a Christian, he's a Christian," he said, according to Reuters. But he stood by his conviction that Obama is imposing a "new moral code."
"[O]obviously, he is now forcing people to do things that he believes that they have the right, that they should do," Santorum said, according to MSNBC First Read. "The Catholic Church has a Theology that says this is wrong, and he's saying no I've got a different, I've got a different — you may want to call it a theology, you may want to call it secular values, whatever you want to call it, it's a different moral values."
Prenatal care is designed to encourage abortions.
Speaking at the Ohio Christian Alliance on Saturday, Santorum said that the requirement for free prenatal testing in Obama's healthcare reform law is designed to cut costs by promoting abortions.
"One of the things that you don't know about ObamaCare in one of the mandates is they require free prenatal testing," Santorum said, according to MSNBC. "Why? Because free prenatal testing ends up in more abortions and, therefore, less care that has to be done, because we cull the ranks of the disabled in our society. That too is part of ObamaCare -- another hidden message as to what president Obama thinks of those who are less able than the elites who want to govern our country."
He stood by this position during an appearance on CBS's Face The Nation Sunday:
"The bottom line is that a lot of prenatal tests are done to identify deformities in utero and the customary procedure is to encourage abortions."
Note: Most medical experts say prenatal testing helps parents/doctors better prepare for potential complications in delivery and infancy.
Public schools are "factories" and government funding for education is "anachronistic."
Santorum also played up his homeschool credentials this weekend, lambasting public education to the Ohio Christian Alliance audience:
"[T]he idea that the federal government should be running schools, frankly much less that the state government should be running schools, is anachronistic," Santorum said, according to The New York Times. "It goes back to the time of industrialization of America when people came off the farms where they did home-school or have the little neighborhood school, and into these big factories, so we built equal factories called public schools. And while those factories as we all know in Ohio and Pennsylvania have fundamentally changed, the factory school has not."
The global warming debate is a radical environmentalist attempt to "centralize power."
When asked about his "phony theology" comments, Santorum said Sunday that he was talking about Obama's radical environmentalist policies on issues that are "not scientifically proven," like global warming.
"This is all an attempt to, you know, to centralize power and give more power to the government," Santorum said on Face The Nation. "This idea that man is here to serve the earth as opposed to husband its resources and be good stewards of the earth — and I think that is a phony ideal. I don't believe that that's what we're here to do. That we're - that man is here to use the resources and use them wisely, to care for the earth, to be a steward of the earth, but we're not here to serve the earth. The earth is not the objective. Man is the objective....man is — should be — in charge of the earth and have dominion over it and be good stewards of it."
And these comments were only the beginning. After telling a Georgia megachurch Sunday that the U.S. didn't stop Hitler right away in order to give him a chance, Santorum had to spend the rest of the weekend denying that he was comparing Obama to Hitler. On Monday, his campaign spokeswoman, Alice Stewart, was forced to retract a comment she made on MSNBC comparing Obama's policies to "radical Islamic policies."
The Obama reelection team has clearly taken note of the attacks. The campaign, which has so far been laser-focused on Mitt Romney, unleashed Sunday talk show surrogates to dress down the former Senator, calling Santorum's "phony theology" comments a "new low" in the Republican race.
Obama's grassroots network has also activated a new online "Truth Team" to solicit Pennsylvania supporters for dirt on Santorum's "real record."


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94 N. Main Street, Jasper, GA - (706) 253-2457
By Damon Howell
Progress Photo Editor
For years now, the Progress has been wrongly neglecting the printed photo, as, like most everyone, we are caught up in the digital age that scoffs at older technology -- such as plain old pictures printed on glossy paper kept in a cardboard folder.
We can use a computer search find a trove of digital images, but frankly, it's hard to recall the last time we dealt with a printed photo.
A couple weeks ago was a fall clean-up around the Progress. We do it every few years and always marvel at how fast useless junk accumulates.
Of the things headed for the landfill was a 4GB server we purchased for $5,000 a few years ago -- now you can't find any computer with only 4 GB of memory. Other items headed to our dumpster (or recycling) included burned out computer monitors, keyboards, mice, and empty boxes; several copies of QuarkXPress (our main layout software) on floppy disks and ridiculously expensive when purchased also went into the trash. Few modern computers even have a spot to insert a floppy-disk.
Ironically, we kept shelf after shelf of lead lino-type, a printing technology used before almost all of our current staff started working here and many of us were even born. We kept it for nostalgic purposes; several boxes of hard-copy photos dating back to 2008 were kept. We also have many boxes in another room dating further back.
I am having a very hard time parting with these boxes of photos even though the consensus is "everything is digital now and no one looks through hard-copy photos anymore." I beg to differ.
I'm guess I'm old-fashioned, because earlier I was thinking of printing all the photos our staff takes from now on. Why? Our staff takes hundreds of photos each week of different Pickens County happenings. Instead of printing every photo on the "roll" we choose one or two and dump the rest into a digital folder, often times those alternative shots are never seen again. Will they be seen in twenty years?
One day we will be sorry we don't have different angles of long-standing Roper Hospital or the courthouse being demolished; or photos of the way Pickens looked before it was developed. You know how many photos The Progress has of the brick courthouse that stood where the current one is? One. I guess no one at the time thought the photos were worth keeping because everyone knew what it looked like then. No one does anymore.
A case for prints: Advancing technology replaces digital file formats and one day your archive of secure photos will be unreadable by new technology. Hard copy photo prints can be "read" by the eye immediately without a computer. The popular photo file, JPEG, may be replaced in ten years and be like those floppy disks of QuarkXPress that were once regarded by as cutting edge.
We use digital cameras now, and although the convenience of taking 3,000 pictures of your kid's birthday party may produce a few undesirable pics, think about how grateful they will be when they're sitting on the couch with their kids, flipping through the family album, not sharing on their iPhones. I know people who have years of photos backed up on their camera cards and have been promising to get prints one day. The scary thing is a digital file can get deleted or corrupted. And if that happens you lose that moment in time forever. The cost of digital vs. film was a factor in the switch at The Progress because of the sheer volume of images produced.
Being that the newspaper takes many pictures at an event but only uses one or two, going digital cut down tremendously on our photography budget. But the consequence of that is images of today's Pickens County are not piling up and being preserved for future hands like our old boxes of photos.
I am of youthful age so when I got into photography, dark room knowledge was a plus but technology was dating it with "Photoshop". Fifteen years ago, The Progress had just purchased its first digital camera. And in the next few years, film enthusiasts found they could no longer fight the shift. The trade was a dinosaur.
The medium has changed many times since the first camera. In 1839, experiments were made with a glass plate caked with a light sensitive chemical. Now it's all 0's and 1's. How much will it change in the next 173 years, and will we have the historic documents in a readable format to show the advancements?
So, in the new year, resolve to remember all those things in your past that have been worthy of a picture. If you have photos digitally, get prints made. Prints will allow future generations to revel in those joys as well.


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Message for 11th Standard30-May-2015
Dear Deekshaite,
Welcome to the new phase of your life! We are delighted that you have chosen to spend the next two years with Deeksha.
How Will be the Journey for 11th Std. Students?29-May-2015
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While preliminary responses of students towards the JEE Advanced 2015 were mixed, many students believed that the change in the marking pattern came as a shock to them. Approximately 1.22 lakh students from over 350 centers across India appeared for papers 1 and 2.
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Students waiting for the Karnataka PUC Results got relief on 18th May with the declaration of II PUC exam results.


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The Partner Reports section recognizes our partners' efforts and celebrates their achievements in spreading the word about the importance of the brain and brain research. These searchable reports feature best practices, innovative activities, photographs, and lessons learned from the newest to the most seasoned BAW event organizers, offering ideas and insights to assist in organizing your BAW activities. We hope the broad sampling of activities detailed in the Partner Reports will inspire participants to take their BAW programs to a new level of participation in years to come.
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Photos: Scared of the Easter Bunny
Giant ears, buck teeth and that frozen, friendly smile masking a hint of menace. Who wouldn't want to flee from this furry creature -- better known as the Easter Bunny? Yes laughter will ensue as you view adorable kids traumatized by the jumbo rabbit.
Copyright © 2019, Orlando Sentinel


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The Hawai'i Medical Service Association (HMSA) is announcing four new members of its leadership team. George Bussey, M.D., is chief medical officer and senior vice president of HMSA's Health Services division. Elena Kambitsi, Ph.D., is senior vice president of HMSA's Consumer Strategy division. David Butterworth is HMSA's new vice president of Strategic Product Development and Pricing. Jeff Kendrick is a new assistant vice president at HMSA in charge of the Information Systems Program Management Office.
Bussey most recently served as the division chief medical officer for HealthOne and the Continental Division, a multistate division of HCA Holdings, the country's largest private hospital corporation. He moved from Denver to Honolulu to join HMSA, but is not a newcomer to the state. He spent more than 20 years working here before leaving the islands in 2001. Bussey was vice president for the Queen's Health Care Plan and medical director for Queen's Health Management, worked for Kahi Mohala Hospital, and was an assistant professor at the University of Hawai'i's John A. Burns School of Medicine. He also earned a law degree from the William S. Richardson School of Law at the University of Hawai'i and a master's degree in Healthcare Administration from the University of North Carolina-Chapel Hill. Bussey has extensive experience leading clinical and quality initiatives. His experience and expertise help HMSA reach its goal of building a better health system for Hawaii.
Kambitsi most recently served as vice president of consumer markets, product development, and marketing at Blue Cross of Northeastern Pennsylvania. She was a key executive in the health plan's transformation to a more consumer-focused organization. She has also been a marketing leader at Premera Blue Cross in Seattle, St. Vincent Health System in Pennsylvania, and the Gerbig Snell/Weisheimer health care advertising agency. Kambitsi earned bachelor's, master's, and doctorate degrees from Ohio State University. She is no stranger to Hawaii, having spent time here in the late '90s. As senior vice president, Kambitsi is leading efforts to develop and implement a sustainable growth strategy and help HMSA honor its promise to improve the health and well-being of Hawaii.
Butterworth comes to HMSA with more than 20 years of experience in the health care industry. He's held senior-level financial, operations, and product development roles for industry leaders such as United Health Group and Aetna. Most recently, Butterworth was senior vice president of MedHOK Healthcare Solutions, where he launched an aggressive growth initiative that increased the company's sales by 300 percent and generated a major proportion of MedHOK's new revenue. Butterworth, who's a CPA, has a master of science in accounting from the University of Hartford and a bachelor of science degree in economics from the University of Connecticut. He moved from Connecticut to Honolulu with his wife and daughter. His responsibilities at HMSA include the development of new medical and dental plans to fulfill the needs of Hawaii consumers.
Kendrick joins HMSA with years of senior management experience in technology and business. Kendrick moved to Hawaii from Seattle where he was serving as chief information officer for the America's Region of VIX Technology, a multinational transit technology provider. Before that he held the chief information officer position at ProPay, Inc., and served as chief technology officer of Commercial Card Services at JPMorgan Chase. Kendrick attended Utah State University. In his position at HMSA, Kendrick is responsible for leading information technology programs and projects.
About HMSA
Caring for the people of Hawaii is our promise and our privilege. Working together with employers, partners, and physicians and other health care providers, we promote wellness; develop reliable, affordable health plans; and support members with clear, thoughtful guidance.
HMSA is the most experienced health plan in the state, covering more than half of Hawaii's population. As a recognized leader, we embrace our responsibility to strengthen the health and well-being of our community.
Headquartered on Oahu with centers statewide to serve our members, HMSA is an independent licensee of the Blue Cross and Blue Shield Association.


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Testimony Before the Subcommittee on Financial Management, the Budget and International Security Senate Committee on Government Affairs
Vice Chairman, NASD President, Regulatory Policy and Oversight
United States Senate
Mr. Chairman and Members of the Subcommittee: NASD would like to thank the committee for the invitation to submit this written statement for the record.
NASD, the world's largest securities self-regulatory organization, was established in 1939 under authority granted by the 1938 Maloney Act Amendments to the Securities Exchange Act of 1934. Every broker/dealer in the U.S. that conducts a securities business with the public is required by law to be a member of NASD. NASD's jurisdiction covers nearly 5,400 securities firms that operate more than 92,000 branch offices and employ more than 665,000 registered securities representatives.
NASD writes rules that govern the behavior of securities firms, examines those firms for compliance with NASD rules, MSRB rules, and the federal securities laws, and disciplines those who fail to comply. Last year, for example, we filed a record number of new enforcement actions (1,271) and barred or suspended more individuals from the securities industry than ever before (814). Our investor protection and market integrity responsibilities include examination, rulewriting and interpretation, professional training, licensing and registration, investigation and enforcement, dispute resolution, and investor education. We monitor all trading on The NASDAQ Stock Market -- more than 70 million orders, quotes, and trades per day. NASD has a nationwide staff of more than 2,000 and is governed by a Board of Governors at least half of whom are unaffiliated with the securities industry.
NASD's involvement with mutual funds is predicated on our authority to regulate broker/dealers. NASD does not have any jurisdiction over investment companies or the fund's investment adviser; rather, we regulate the sales practices of broker/dealers who sell the funds to investors. Our investor education efforts also place special emphasis on mutual funds due to their widespread popularity with investors.
Our examination and enforcement focus in this area has concentrated on five main areas: first, the suitability of the mutual funds that brokers are selling; second, broker sales practices; third, the disclosures provided to investors; fourth, the compensation arrangements between the funds and brokers; and, fifth whether brokers are delivering to their customers the benefits to which they are entitled, such as breakpoint discounts. We have brought some 60 enforcement cases this year in the mutual fund area, and more than 200 over the last three years. We also have a number of ongoing examinations and investigations involving mutual fund issues, including late trading and market timing.
Recent Enforcement Efforts
NASD has several rules that govern the relationship between broker/dealers and fund companies. For example, our rule governing cash and non-cash compensation, Rule 2830, generally prohibits the award of non-cash compensation, such as lavish trips and entertainment, to brokers for the sale of mutual fund shares. The rule thus prohibits contests that encourage brokers to steer their customers into unsuitable investments. The rules are designed to prevent the conflicts of interest that may arise for the broker when faced with such a choice.
Cash and Non-Cash Compensation Cases
In September, we brought a case under this rule against Morgan Stanley that resulted in a $2 million fine against the firm. Morgan Stanley had been conducting prohibited sales contests for its brokers and managers to push the sale of Morgan Stanley's own proprietary mutual funds. In addition to censuring and fining the firm, NASD also censured and fined a senior member of the firm's management - the head of retail sales.
Between October 1999 and December 2002, the firm had conducted 29 contests and offered or awarded various forms of non-cash compensation to the winners, including tickets to Britney Spears and Rolling Stones concerts, tickets to the NBA finals, tuition for a high-performance automobile racing school, and trips to resorts.
The obvious danger of such contests is that they give firm personnel a powerful incentive to recommend products that serve the broker's interest in receiving valuable prizes, rather than the investment needs of the customer. And one of the most troubling things about this case is Morgan Stanley's failure to have any systems or procedures in place that could detect or deter the misconduct.
In January 2003, NASD censured and fined IF Distributor, Inc., and VESTAX Securities Corp. a total of $150,000 for failing to disclose special cash compensation they paid to their sales force in the sale of mutual fund shares. Prior to disclosing this special cash compensation, the reps sold over $20 million in Class A shares to over 200 customers. Brokers selling these shares received approximately $220,000 in special cash compensation.
We also are conducting an examination sweep where we are looking at more than a dozen broker/dealers, specifically with a view to determine how investment companies pay for inclusion on firms' featured mutual fund list or why they receive favored promotional or selling efforts. We are looking at different types of firms, including full-service, discount and online broker/dealers. Thousands of funds are presented to investors through discount and on-line broker-dealer "supermarkets." In addition, we are examining a similar number of mutual fund distributors, who are also our members. Mutual fund sponsors and distributors that once marketed exclusively through a single, traditional distribution channel often now compete head-to-head in the same distribution channels vying for visibility and valuable "shelf space." We want to see what the distributors' role may be in these types of practices.
At issue in this sweep is NASD Rule 2830, which expressly prohibits members from directly or indirectly, favoring or disfavoring the sale of shares of any investment company or group of investment companies on the basis of brokerage commissions received or expected by that member from any source. In short, an NASD member cannot seek brokerage commissions from a fund or investment company as a condition to the sale or distribution of investment company securities. Exchanging prominent placement of a fund or family of funds on a firm's Web site or in the firm's marketing material or placing a fund on a "featured" or "preferred" list of funds in exchange for brokerage commissions from the fund may be misleading to investors and a violation of NASD rules.
Class B Shares
Many mutual funds offer different classes of the same investment portfolio. Each class is designed to provide brokers and their customers with a choice of fee structure. Class A mutual fund shares charge a sales load when the customer purchases shares. Class B shares do not impose such a sales charge. Instead, Class B shares typically impose higher expenses that investors are assessed over the lifetime of their investment. Class B shares also normally impose a contingent deferred sales charge (CDSC), which a customer pays if the customer sells the shares within a certain number of years. In addition, investors who purchase Class B shares cannot take advantage of breakpoint discounts available on large purchases of Class A shares.
NASD has found that some brokers have unscrupulously recommended Class B shares in such large amounts that the customer would have qualified for breakpoint discounts had the broker recommended Class A shares instead. Some brokers also have recommended transactions in Class B shares that are so frequent as to cause the customer to incur CDSC charges. In both cases, the broker may receive higher compensation for the Class B recommendations. NASD has vigorously prosecuted these violations, and we are continuing a comprehensive review of Class B shares sales practices. Over the last two years, NASD has brought more than a dozen enforcement actions against firms and individual brokers for these types of violations.
For example, in May the SEC affirmed a disciplinary action NASD took against Wendell D. Belden, who was found to have violated NASD's suitability rule by recommending that a customer purchase Class B mutual fund shares in five different mutual funds within two fund families instead of Class A mutual fund shares. Because of the size of his customer's investment ($2.1 million) and the availability of breakpoint discounts for Class A shares, Belden's recommendations caused his customer to incur higher costs, including contingent deferred sales charges.
Belden tried to justify his recommendations to customers that they purchase the Class B shares instead of the Class A shares because he received greater commissions on the sales of these shares. He stated that he "couldn't stay in business" with lower commissions. Belden was fined, suspended, and ordered to pay more than $50,000 back to his customers.
In June we announced a settled action against McLaughlin, Piven, Vogel for violations in this area. The firm was fined $100,000 and ordered to pay restitution of approximately $90,000 to 21 customers. In August we announced five more actions for unsuitable sales of Class B shares.
Mutual funds typically offer discounts to the front-end sales load assessed on Class A shares at certain pre-determined levels of investment, which are called "breakpoints." The extent of the discount is based on the dollar size of the investor's investment in the mutual fund. For example, breakpoint discounts may begin at dollar levels of $25,000 (although, more typically, at $50,000) and increase at $100,000, $250,000, $500,000, and $1,000,000. At each higher level of investment, the discount increases, until the sales charge is eliminated.
An investor can become entitled to a breakpoint discount to the front-end sales charge in a number of ways. First, an investor is entitled to a breakpoint discount if his single purchase is equal to or exceeds the specified "breakpoint" threshold. Second, mutual funds generally allow investors to count future purchases toward achieving a breakpoint if the investor executes a letter of intent that obligates him to purchase a specified amount of fund shares in the same fund or fund family within a defined period of time. Similarly, mutual funds generally grant investors "rights of accumulation," which allow investors to aggregate their own prior purchases and the holdings of certain related parties toward achieving the breakpoint investment thresholds (including reaching investment thresholds necessary to satisfy letters of intent).
Mutual fund families began to offer these breakpoint discounts to make their funds more attractive to investors. Over time, funds expanded the rights of accumulation they offered by expanding the categories of accounts that could be linked or aggregated for the purpose of obtaining breakpoint discounts. Mutual funds view their aggregation rules as important competitive features of their products. Accordingly, these rights of accumulation can vary from fund family to fund family, and many fund families define the related parties that can aggregate their holdings to determine breakpoint discount eligibility differently. For instance, one fund family may allow parents to link their accounts with a "minor child," while another fund family may allow parents to link their accounts with any child residing at home.
During routine examinations of broker-dealers by our Philadelphia District Office, NASD discovered that broker-dealers selling front-end load mutual funds were not properly delivering breakpoint discounts to investors. Following this discovery, in November and December 2002, the SEC and New York Stock Exchange joined us for an examination sweep of 43 firms selling front-end load mutual funds. We found that most of those firms did not give investors all the breakpoint discounts they should. Failures to give the discounts stemmed from a variety of different operational problems, including a failure to link share classes and holdings in other funds in the same fund family and a failure to link accounts of family members.
NASD issued a Notice to Members on December 23, 2002, reminding firms to explain and deliver breakpoints. And, we issued in January 2003 an Investor Alert to advise customers of breakpoint opportunities.
Also in January 2003, the SEC asked NASD to lead a task force to find breakpoint solutions. The task force had 24 members, including representatives from broker/dealers, mutual funds, transfer agents, clearing facilities, academia, the SEC staff, other SRO's and trade associations.
The Task Force issued its report in July 2003, in which it recommended a number of technological and operational changes, as well as modifications to mutual fund prospectus and other disclosure and sales practices, to ensure that customers are not overcharged. Working groups, consisting of knowledgeable representatives of the mutual fund and securities industries, are currently engaged in implementation of the Task Force recommendations. NASD and the SEC receive periodic reports from these Working Groups and are monitoring progress as implementation moves forward.
As for the transactions that should have received discounts, NASD supplemented its referenced examination effort with a survey of every NASD member to learn more about each member's overall mutual fund activities. The survey, in turn, provided NASD with information that helped us frame a self-assessment. Specifically, NASD directed firms to perform a self-assessment of their own of breakpoint discounts delivery. These self-assessments were carried out through use of a carefully constructed sample of transactions, which permitted NASD to extrapolate each firm's performance to its entire universe of transactions. NASD has concluded that, during the 2001 to 2002 period covered by the self-assessments, investors were overcharged in about one out of every five transactions in which they were eligible for breakpoint discounts. Those overcharges, in our view, total at least $86 million, and the average overcharge was $243. When the assessments were complete, firms were directed to refund overcharges to investors, with interest. In addition, NASD will require that most of the firms involved undertake further action, including contacting their customers individually to alert them to possible overcharges. Disciplinary or enforcement proceedings will be brought against certain of the firms.
Late Trading and Market Timing
Investment Company Act Rule 22(c)(1) generally requires that mutual fund shares be sold and redeemed at a price based on the net asset value (NAV) of the fund computed after the receipt of the order. In practice this requirement means that mutual fund shares are priced according to the value of their securities portfolio, computed at the next close of the national securities exchanges. For example, if a mutual fund receives an order to purchase shares before the close of the securities exchanges, 4 p.m. EST, the investor should receive a price based on that 4 p.m. close. If, however, a mutual fund receives an order to purchase shares after the 4 p.m. close, the investor should receive a price based on the next day's 4 p.m. close. This "forward pricing" requirement represents a fundamental principle of the Investment Company Act, for it prevents investors who might have access to the NAV of the portfolio from trading on that information.
The failure to meet the forward pricing standard has become known as "late trading." Late trading, however, should be distinguished from the practice, followed by many broker/dealers and other intermediaries of transmitting orders after 4 p.m. because they require additional processing time. For example, some intermediaries may net out transactions by pension plan participants in order to simplify their order to the mutual fund company. In these instances, the participants entered their orders before 4 p.m., but the orders of the plan were not processed and transmitted until after 4 p.m.
The frequent trading of mutual fund shares in order to take advantage of pricing inefficiencies or market movements has become known as "market timing." Market timing is not per se illegal. Market timing activities become illegal when they violate the fiduciary duty of the fund's investment adviser; they also are problematic when they violate a stated policy of the fund as disclosed in the fund's prospectus. Many mutual funds police market timing by their shareholders, because market timing can increase fund expenses and harm fund performance for the other shareholders. When a mutual fund has disclosed a policy of protecting investors from market timers, a broker/dealer may not knowingly or recklessly collude with the fund in order to effect a market timing transaction. Broker/dealers must have in place policies and procedures reasonably designed to detect and prevent this collusion.
In response to prevailing issues concerning mutual fund execution, in September NASD sought information from roughly 160 firms regarding late trading and impermissible market timing.
As a preliminary matter, we have determined that numerous firms' conduct warranted a referral to NASD's Enforcement Department for further investigation and possible disciplinary action. Another group of firms are being examined by our Member Regulation Department for potential late trading and impermissible market timing misconduct.
Specifically, a number of firms disclosed that they had, or probably had, received and entered mutual fund orders after U.S. markets closed for the day. Some of these firms disclosed specifically that they had accepted and entered late trades; other firms disclosed that they "probably" accepted and entered late trades. This imprecision in the latter group indicates separate issues of poor internal controls and record keeping; we will also pursue these areas. These matters, too, have been referred to NASD's Enforcement Department for action.
NASD also has identified a number of firms that were involved in market timing and it remains to be determined whether their activities were impermissible under our rules or applicable statutes. These firms appear to have facilitated a customer's market timing strategy in mutual funds or variable annuities, had employees who agreed with a mutual fund or variable annuity to market time the issuer's shares, or had an affiliate involved in some form of market timing of mutual funds or variable annuities. We are investigating any broker/dealer that made any of these disclosures in our investigations. We will investigate whether these firms simply allowed market timing, which is not per se illegal, or whether they colluded with the mutual fund companies to evade the fund's stated policies against market timing.
Proposed Disclosure Rules
In August, NASD proposed greatly expanded disclosure of mutual fund compensation arrangements. The proposal is designed to alert investors to the financial incentives that a brokerage firm or its registered representatives may have to recommend particular funds.
The proposal would ensure that investors receive timely information about two types of compensation arrangements. The first consists of cash payments by fund sponsors to broker/dealers to induce fund sales. Typically, these payments are made in order to gain "shelf space" at the broker, or to secure a place for a fund on a preferred sales list. The second is the payment by a broker/dealer of a higher compensation rate to its own registered representatives for selling certain funds. The proposal would require firms to disclose these compensation arrangements in writing when the customer first opens an account or purchases mutual fund shares. The proposal also would require member firms to update this information twice a year and make it available on their Web sites, through a toll-free number, or in writing.
The comment period on the proposal ended October 17, 2003. NASD has received approximately 40 comment letters on the proposal, which the staff is reviewing.
Investor Education
Mutual funds have been a particular focus of NASD's investor education efforts. This year alone, we have issued Investor Alerts on:
- Mutual fund share classes
- Mutual fund breakpoints
- Principal protected funds
- Class B mutual fund shares
Each of these Investor Alerts educates investors about the wide variety of mutual fund fee structures that exist and urges investors to scrutinize mutual fund sales charges, fees, and expenses.
Research has shown that many investors are unaware of how much they pay to own mutual funds and that even small differences in fees can result in thousands of dollars of costs over time that could have been avoided. To help investors make better decisions when purchasing mutual funds, we have unveiled an innovative "Mutual Fund Expense Analyzer" on our Web Site. Unlike other such tools, the Expense Analyzer allows investors to compare the expenses of two funds or classes of funds at one time, tells the investor how the fees of a particular fund compare to industry averages, and highlights when investors should look for breakpoint discounts. To make this tool more widely available to investors, we are developing a version of the Expense Analyzer for broker/dealer Web sites.
NASD will continue its vigorous examination and enforcement focus on the suitability of the mutual fund share classes that brokers are selling, the compensation practices between the funds and brokers, and the question of whether brokers are delivering to their customers the benefits offered to them, such as breakpoint discounts. And as we continue our examinations and investigations into late trading and market timing issues, we will enforce NASD rules with a full range of disciplinary options-- which include stiff fines, restitution to customers and the potential for suspension or expulsion from the industry. While NASD cannot alone solve all the problems revealed in recent months in the mutual fund industry, we have jurisdiction over all broker/dealers that sell these products to investors and will rigorously exercise our authority to take actions against violators as part of our overall efforts to protect investors and to restore investor confidence.


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The College of Business makes available to students, faculty and staff several facilities for their use during their tenure at the University of West Florida.
College Resources
- College of Business Education Center
The College of Business Education Center is open to all students Monday - Friday from 8 AM until 10 PM. There are several open areas for students to gather to study: the Atrium, the Planar Matrix, the 1st Floor Study Room, and the 2nd Floor Study Room. There are three Knowledge Boards located on the first and second floors. Each Knowledge Board is a 70" touch screen connected to a PC running the same software available in the Policy and MIS Labs. Students are free to use these boards to study and work in groups.
- Oral Communication Lab
The College of Business, with the collaboration of the Department of Communication, has created the College of Business Oral Communication lab in Building 76A. The lab takes appointments throughout the semester for College of Business and SPC 2608 students to practice presentations and speeches, prior to the student being graded in their given class. The students are critiqued by a graduate assistant using the rubrics that are used in their given class.
- COB Policy Lab
The College of Business Policy Lab is located in Building 76A, Room 232. The purpose of this lab is to provide students with a quiet work area in which they can either meet with group members to work on Capstone simulations, or study alone. While preference is given to College of Business students, the Policy Lab is open to all UWF students, when seats are available. Specialized software available in the Policy Lab includes SPSS, Research Insight, Visual Studio, R, and Alice. Hours of operation are Monday thru Friday from 8 AM to 5 PM, except when otherwise posted.
- COB Computer Classrooms
The College of Business Computer Classrooms are located in Building 76, Rooms 119 and 127. The purpose of these labs are to provide instructors and students a specialized computer classroom environment in which to conduct business classes. These labs are closed to general use and only available for use by College of Business classes as scheduled. Specialized software available in the COB Computer Classrooms includes SPSS, Research Insight, Visual Studio, R, and Alice.
- Writing Lab at the College of Business
Located in the College of Business Education Center, Building 76A/227. Hours vary each semester. For additional information or to make an appointment please contact 850-474-3442.
- Career Services on the Go!
Visit Career Services in the College of Business Education Center, Building 76A/218, to receive assistance with your career-related needs. Bring your resume or cover letter for drop-ins or schedule an appointment for a mock interview or to discuss job search strategies. For additional information or to make an appointment please contact Katina Hoffman 850-474-3239 firstname.lastname@example.com.
- Compustat Database
The College of Business provides access to the Compustat database for all faculty, staff, and currently enrolled students at UWF. The software may be accessed in the SAIL Lab, COB Capstone Lab, COB Computer Classroom, Tax & Accounting Library, and via eDesktop. Access to eDesktop can be gained via MyUWF, UWF's online portal. An active UWF faculty, staff, or student account is required to login to MyUWF.
Departmental Resources
- Accounting and Finance Tutor
The Department of Accounting and Finance provides a tutor for our key introductory courses: ACG 2021, ACG 2071, ACG 3082, and FIN 3403. The tutor is located in Building 76, Room 221D. Please call 850-474-2719 to schedule a session.
- Tax & Accounting Library
The Tax & Accounting Library is located in Building 76, Room 207A. This lab is a place where Accounting & Finance students can study, meet in groups to work on Accounting & Finance related projects, and receive tutoring. Specialized software made available in the Tax & Accounting Library includes SAS, SPSS, Visual Studio, Research Insight, and Quickbooks. Hours of Operation are Monday thru Friday 8 AM to 5 PM, unless otherwise posted.
- Beta Alpha Psi Tutoring
Tutoring in various Accounting & Finance classes is made available to all students by members of Beta Alpha Psi. Please visit the Beta Alpha Psi tutoring web site to view the tutoring schedule.
- MIS Lab
This lab is available after hours, but only to current MIS students. Specialized software available in the MIS Lab includes Visible Analyst, Visual Studio 2012, SQL Command Line Tools, and Alice. Students must see Tammy Keely in the Department of Management and Management Information Systems for access after hours.


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PCP-related crime in Orange
Recent incidents police believe are related to the use of the drug phencyclidine, or PCP, have resulted in multiple arrests in Orange over the span of a week, with suspects accused of public intoxication and possession of a controlled substance. But an incident in Beaumont months ago that police say could be PCP-related resulted in the death of a man and his daughter.
On New Year's Eve, police in Orange arrested two men after a traffic stop led them to discover synthetic marijuana and PCP in the men's possession, according to a report from the Orange Police Department.
According to the report, OPD Officer Michael Roush conducted a traffic stop at approximately 2:47 p.m. on Dec. 31, after seeing passengers in a red Ford Ranger who were not using seat belts at the intersection of 14th Street and Burton Avenue in Orange. According to Roush, the driver of the vehicle did not immediately stop and continued slowly rolling forward toward John Street and then turning on to 11th Street. In Roush's report, he noted that suspects often "slow roll" when they are attempting to quickly hide or destroy "any type of weapons, drugs or paraphernalia."
Roush described two of the vehicle's three occupants as "shaking and nervous," and one passenger identified as 28-year-old Kent Pierce exited the vehicle and was searched. Police discovered a syringe, "2XX Klimax" synthetic marijuana and brass knuckles, a prohibited weapon. Pierce was placed under arrest.
Roush then reported making contact with the second passenger, identified as 41-year-old Desmond Burnett of Orange. According to Roush, Burnett's eyes were red and watery, and his speech was slow and slurred. Roush reported the suspect was not able to answer simple questions, and when asked to step out of the vehicle, the man was off-balance. Roush determined Burnett was intoxicated on some unknown substance, and placed him into custody for public intoxication. Both Burnett and Pierce were taken to the Orange County Correctional Facility. Upon a search of Burnett, police discovered what they believe to be PCP.
The investigation into this incident is ongoing.
Two other men were arrested in Orange within two days for public intoxication, one on Jan. 3 and another on Jan. 4, both of whom police believe were high on PCP.
Orange Police arrested 28-year-old Orange resident Quenton Darell Prater on Jan. 3 after receiving reports of a man lying in the roadway with a knife in the area of North 11th Street and Wrenway. Upon arrival at approximately 8:47 p.m., OPD Capt. Eric Ellison reported observing Prater in the road holding a 4-inch, black-handled Defender knife.
"It was very apparent to this officer that the subject was under the influence of an unknown narcotic. … Prater had an odor emitting from his person that smelled like phencyclidine (PCP)," Ellison wrote.
Prater was arrested and taken to the Orange County Jail.
The very next day, OPD received a call regarding a family disturbance in the 200 block of Farragut Avenue and responded at approximately 7:35 p.m. Officer Michael Roush reported that when he arrived at the residence, people outside the home told him 28-year-old Randall St. Julien Hancock was inside and high on "wet."
According to Roush's report, "wet" is street slang for a marijuana or regular cigarette dipped in PCP and then smoked. "Dips" can mean the same thing as "wet." PCP is also known as "angel dust." The drug may be ingested, smoked, inhaled or injected.
Hancock was arrested for public intoxication and taken to jail.
In October 2013, the drowning deaths of a father and his young daughter rocked Southeast Texas.
At about 10:40 a.m. on Oct. 10, Beaumont Police Department patrol officers responded to a reported drowning in the wading pool of the Alice Keith Park in the 4000 block of Reed Street.
A city maintenance worker was checking the grounds when he saw a man floating face down in the wading pool, a BPD press release said. The worker approached and saw that the arm of a child was sticking out from underneath the man. The worker immediately called 911.
Beaumont EMS and Fire Department personnel attempted to resuscitate the man and child at the scene. They then rushed the two to the Baptist Hospital Emergency Room where ER personnel pronounced them dead.
Detectives identified the man as 31-year-old Traveth Quinn, and the child was his daughter, 3-year-old Legend Quinn. Both were residents of Beaumont.
At the time, police ruled the death as "suspicious." Police now say Traveth Quinn's autopsy results revealed the presence of PCP.
According to OPD Capt. Cliff Hargrave, PCP-related incidents are more common than reports indicate. He said many PCP users stay inside to use the drug due to its extreme effects, including manic and hallucinogenic effects, but sometimes they are found wandering the streets in a state of confusion. In those cases, the suspects are often charged with public intoxication for being intoxicated on an "unknown substance."
"It's been around as long as I've been here," Hargrave said of PCP. "That's not the kind of drug people normally walk around with in their pocket. It's a liquid. They usually use little brown bottles, like the dark brown vanilla extract bottles."
Beaumont Officer Doug Kibodeaux said his office has investigated their share of PCP-related cases, including the death of the Quinns.
"I wouldn't say it is really common," said Kibodeaux, "but we do get incidents from time to time. PCP makes users very, very aggressive. They go into this manic state. They are not in their right minds."
Anyone with a substance abuse problem should seek help immediately. For information on how to get help for addiction, visit the Texas Department of State Health Services website at www.dshs.state.tx.us/mhsa-sa-help/ or call the Spindletop Center at (409) 839-1000.


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KRPS turns 25
Wednesday, May 1, 2013 2:00 AM
Pittsburg, KS
Bob Walter is a news junkie. He's a self-proclaimed jazz aficionado. He also loves classical music. So, one could imagine his excitement at 4 p.m., April 29, 1988.
"Oh, it was a tremendous moment," Walter, the former dean of learning resources at Pittsburg State University, said. "It was a festive party."
That "moment" was when KRPS began broadcasting from the campus of PSU. From the beginning, the station's mix of NPR news, classical and jazz music, and other public radio programming filled a hole that had existed in the region.
"I was there when KRPS first went on the air," Walter said. "I was very happy to witness that. It's a station that was desperately needed in this area."
Walter was also among the several KRPS members and supporters who attended an open house event Monday to celebrate the station's 25th anniversary.
Missi Kelly, station general manager, said the event was conducted to allow those members to see what goes on behind the scenes at KRPS.
"This station wouldn't exist without the support from our members, listeners and supporters," Kelly said, "and this is a way to let them come in and see where their investment goes. This station belongs to the members. We are simply the stewards of the ship."
Tim Metcalf, KRPS program director, said the station's first broadcast included the playing of "Liberty Fanfare" by John Williams. Anyone listening at 4 p.m. Monday heard the tune, as Metcalf said the station planned to air a portion of the opening broadcast to commemorate the historic moment.
"It was the culmination of a dream," Metcalf said of the first broadcast.
The station's powerful, 100,000-watt signal reaches out approximately 100 miles in every direction from its tower south of Pittsburg. Included in the coverage area are cities from Bartlesville, Okla., and Rogers, Ark., to Pleasanton, Kan., and Monett, Mo.
"One of the compelling arguments for the establishment of KRPS that still resonates today is the importance of providing this special type of programming for people who live not only in communities of some size, but also to people who live on farms and small towns throughout the region," Kelly said. "It really is a quality-of-life issue."
Grady Smoot, then PSU vice president for development and public relations, had that in mind on the day of the station's first broadcast.
"The Four-State region will never be the same," Smoot said as the first broadcast began.
The spring membership campaign is going on now, but Kelly said listeners can become members at any time of the year and may pledge online at the KRPS website, www.KRPS.org.
Kelly said she has been reminded during the campaign just how important and influential KRPS has been in the lives of its listeners.
"We've received calls from people who said they grew up on KRPS because their parents listened," she said. "We've heard from a mother who said her son, because of the music he heard on KRPS, has classical music CDs in his dorm room. It's nice to hear those stories and remember just how much the station means to so many people."
It certainly means a lot to Walter, who still chooses KRPS over the hundreds of stations he could get on his satellite radio.
"If I'm within range of KRPS, I'm listening," he said.