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Sports Stories
From Wiki
Article in Juvenile Fiction and Sports categories.
- Felix is a big baseball fan who lives in Florida with his mom. He is most interested in Cuban baseball players, because the one thing he knows about his father is that he was a Cuban baseball star. One night, Felix wins tickets to a game, but he has to go with his babysitter, whom he dislikes. When Felix is mistaken for a new batboy, he goes along with the team in hopes that he might learn more about his father.
- In Oregon after World War II, twenty one sixth grade girls look forward to a big baseball game. Each girl tells her little piece of the story. All of the stories together add up to show how different families were prejudiced against one another after the war.
- What nine-going-on-ten-year-old Maggie wants most in the world is for the Brooklyn Dodgers to win the world series. After all, she was named for Joe DiMaggio. She and her brother Joey-Mick love to hang out at the firehouse, listening to games on the radio with the firemen, arguing about which team is better: the Yankees or the Dodgers. When a new guy, Jim, comes to work at the firehouse, not only is he a Giants fan, but he teaches Maggie a way to keep score. Soon Maggie is tracking not only the games on the radio, but Joey-Mick's games too. Season after season, Maggie remains loyal to her Dodgers, praying that they will win, and also praying that her friend Jim will return safely home from the Korean War.


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Mona and John Rosenburg of Loveland celebrated their 50th wedding anniversary Nov. 12, 2012.
John Rosenburg and Mona Clark were married Nov. 12, 1962, in Berthoud at the First Presbyterian Church. John moved to Loveland in 1955 from Beatrice, Neb., and Mona is a native of the Loveland area.
John is a retired agricultural and industrial chemist. He enjoys doing research on the computer.
Mona is a retired electronic assembler with Hewlett-Packard and Advanced Energy. She enjoys cooking and reading.
Together they enjoy their family and friends, the Broncos and the Rockies.
The couple's children are daughter Pamela and husband Shane Unfred, and son Eric and wife Sarah Rosenburg. They also have three grandchildren.
The couple has reached this milestone by gutting it out during bad times and celebrating during the good times. And most important of all, keeping humor and communication as the most important factors of their love.

subset: commoncrawl


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American Turkey Tradition
We are excited to announce that the Omaha Turkey Trot Turkey Trot has come together with Thanksgiving runs from around the nation to from a multi city running festival called the American Turkey Tradition. Now, in addition to running with everyone at your local event you will be able to come together with runners from around the country in the World's Largest Thanksgiving running festival:
Connect with 60,000 runners from around the country:
-National leader board, see results tab
-Live national broadcast, coming soon
Race Day
7:30 a.m. Last Minute Onsite Packet Pick Up Open
8:30 a.m. Last Minute Onsite Packet Pick Up Close
8:45 a.m. Kids Dash Start
9:00 a.m. 5k Start
10:30 a.m. Course Closes
Option 1: Get your packet mailed right to your door for $12.99 (limited time availability).
Option 2: Packet pick up will be available Wednesday, November 27th, from 11:00 a.m – 6:00 p.m
Fleet Feet – Omaha
17660 Wright St.
Omaha, NE 68130
Picking up someone else's packet, don't forget you must bring their signed waiver.
Option 3: Event day packet pick up (not suggested).
Participant gear must be picked up at pre-event packet pick up or on event day. If you do not pick up your participant gear there will be a fee to have it mailed to you: Post-race event gear registration
We grant the wishes of children with life-threatening medical conditions to enrich the human experience with hope, strength and joy. Wishes are more than just a nice thing. A wish experience can be a game-changer for a child with a life-threatening medical condition. Make-A-Wish Nebraska grants 110 -115 wishes each year across the state of Nebraska. DONATE HERE.
Create a TEAM OF TURKEYS, Get rewards!
Create a team, give it a name and get as many people as possible to be a part of your team.
1. Grow your team to 7 participants and get a free can cooler.
2. Get voted "best team name" in your city and win free registrations to 2020's Turkey Trot (limit $1,000).
Omaha Turkey Trot – 2018 Team Standings
American Turkey Tradition – 2018 National Team Standings
-Best Omaha team name voting will take place in November. VOTE HERE.
*Free registration is for 2019 team members only and is non-transferable.
Lewis & Clark Landing
345 Riverfront Dr.
Omaha, NE 68102
Lewis & Clark Landing
345 Riverfront Dr.
Omaha, NE 68102
1001 Gallup Drive
Omaha, NE 68102 USA
Awards will be awarded to the top 3 participants, male and female in each age group and overall.
Participant must be present on event day to receive medal.
Age Groups: 14 & under, 15-19, 20-24, 25-29, 30-34, 35-39, 40-44, 45-49, 50-54, 55-59, 60-64, 65-69 & 70+
Kids Dash finisher award to all participants.
If you do not pick up your medal there will be a $5 fee to have it mailed to you: Post race medal request registration.
Results and free digital photos will be posted here after the event.
2019 National Leader Board Results
Results from all the American Turkey Tradition races will be aggregated into one results page where you can see how compared to over 50,000 runners from around the country.
2018 National Leader Board Results
Results from all the American Turkey Tradition races will be aggregated into one results page where you can see how compared to over 60,000 runners from around the country.
Join the fun as a volunteer. All volunteers receive a free event shirt. Volunteers can help with water stations, course marshaling, registration or similar
Need help with your registration? Race Transfer? Change your t-shirt size? Bib exchange? etc. Click here.
This event is chip timed. Your "chip" is integrated with your bib. You must wear your bib on your front across your stomach to be electronically timed.
Runners and walkers can participate in this event as long as the participant can finish within the event time limit, see the schedule above.
All participants are required to read and sign the event waiver form.
It is the participant's responsibility to make sure that they do not impair their ability to hear, see, sense, and detect present or potential hazards and dangers.
If you ordered your race packet to be mailed to you, it will typically arrive 1-4 days before the event. It will be sent to the address you entered during registration. If your package does not arrive before the event day, please come to the event day packet pick up where you will be re-assigned your bib and gear.
Participant gear must be picked up at pre-event packet pick up or on the event day. If you do not pick up your participant gear there will be a fee to have it mailed to you: Post-race event gear registration
If at any time you are in need of assistance throughout the event please notify a volunteer or course monitor.
No dogs. Strollers are allowed for walkers only after all other runners and walkers have started. Children in strollers must be wearing helmets.
The event will start rain, snow or shine. The event could be delayed due to lightning or other dangerous conditions. The above schedule is weather dependent. Trail conditions could be variable.
You can transfer to a different distance within the same race up to 3 days before the event. If you are transferring to a more expensive race you'll have to pay the difference of the registration fees.
You can transfer your registration/bib # to another participant for $6 up to 3 days before the event.
You can defer your registration to next year's race for $6 up to 17 days before the event. After that, you can still defer for $15 until the day prior to packet pick up. Please send us an e-mail to request a deferment.
You can manage your event shirt size and any other add-ons up to 10 days before the event.
Email: email@example.com
Phone: 224-757-5425
Office hours: M – F from 8:00 a.m. – 4:00 p.m. CST
*We may not be in the office on Mondays or Fridays due to being on-site for events.
Tag your Instagram pics with #turkeytradition
and we'll feature them here
It's your pre-turkey workout. Your body will thank you later.


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Welding Technology
Program Overview
The welding technology program at Allan Hancock College is a great way to start your career in the challenging, dynamic and adaptive field of welding and metalworking. In the industry, welding professionals continuously apply new knowledge and scientific principles to a form of fabrication that is sometimes described more as an art than as a craft. There are a vast number of opportunities available to job seekers in mainstream welding and various auxiliary fields.
Our curriculum covers everything from basic to advanced welding to metal fabrication and pipe welding. Safety protocols are strongly emphasized with more advanced welding techniques such as hand cutting and semiautomatic cutting being taught upon the foundation of safety. Metalworking as it is used in the arts i.e. sculpture, ornamental iron, blacksmithing and garden art are also offered.
Our program provides training in essential manipulative skills and technical knowledge in the areas of:
- Oxyacetylene welding
- Brass brazing
- Flame cutting
- Electric arc processes:
- Shielded metal arc welding
- Gas metal arc (G.M.A.W.) welding
- Gas tungsten arc (T.I.G.) welding
- Ferrous and non-ferrous metals
- Blacksmithing
The associate degree and certificate curriculum in welding technology is designed to provide comprehensive occupational training in all common types of welding methods as related to today's welding fabrication industries. Upon degree/certificate completion you will have mastered the techniques used in modern welding and metalwork.
Certification tests may be taken as part of your certificate/degree completion.
For more information on available certifications, refer to our Industry Links page.
Industrial Technology Department, Building O
Phone: 1-805-922-6966 ext. 3335
Classes offered day and evening, Fall, Spring and Summer Semesters
Industrial Technology office hours 8 a.m. to 4:30 p.m. Office closed in July.


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Workplace Safety Signs SKU: MFSD544VS
Enable timely first aid treatment with an emergency eye wash station safety sign.
More Info
Adhesive Vinyl (VS)
Plastic (VP)
Aluminum (VA)
Exit and Fire Extinguisher
First Aid Station Signs
Eyewash Station Signs
Watch for Lift Trucks Signs
High Voltage Signs
Confined Space Signs
Eye Protection Signs
Hearing Protection Signs
Hard Hat Area Signs
Safety Glasses Signs
Safety Shoes Signs
Flammable Material Signs
Watch Your Step Signs
Property and Security
Employees Only Signs
No Dumping Signs
Video Surveillance Signs
Restricted Area Signs
No Smoking Signs
Keep Door Closed Signs
No Soliciting Signs
Cell Phones Prohibited Signs
Shipping and Receiving Signs
Shipping Signs
Receiving Signs
Handicapped Parking Signs
Restroom and Hygiene
ADA Men with Braille Signs
ADA Women with Braille Signs
ADA Unisex with Braille Signs
Employees Wash Hands
I have been out-of-touch with Air Delights for some years. When I decided to return, they were there, ready and able to help me. They even had my old order records from years back. This was a great help to me. I didn't even need to order new dispensers , because my old ones worked just like new.
Due to our order history they followed up with a phone call to ensure what was ordered was actually what we wanted. Turns out we ordered incorrectly. They made the adjustment on the phone and shipped the correct item.
From seeing the pop-up ad, through ordering the needed parts cheaper than factory pricing, to installing for a flushable toilet again---THREE DAYS ONLY!!! Impressive, outstanding, and better than most!
I've been using products from Air Delights for years and have loved all of the products that I purchased. There have never been any problems with the products or customer service. I've actually gotten some of my friends interested in the products.
I've dealt with you folks before so I know the kind of service I will receive. I like the fact that there is a place like yours that people can shop at and get the service we deserve. I've decided we needed another set of this product in our upstairs bathroom since we have someone else utilizing the downstairs bathroom. GREAT SERVICE!
They expedited shipping to me and got it her super fast and were MORE than courteous when I called. The Best!
This commercial supplier has always been patient with my household sized orders. They even called once when what I had ordered was not the same as my previous orders. Saved me from having to return a mistaken order. I love their air freshener products. It's not always easy to find air fresheners that I can use with my allergies.
Your company is the best.You save me money on the part that I needed.Also I will be order off your company if I need anything else.
Our Flushmate 503 developed a broken cartridge at 4PM central time. AirDelights is pacific time, so by the time I placed my order it was 2:47 pacific time. They sent the parts by FEDEX next day standard delivery. I had the parts in my hand in St Louis MO at 10:18 AM the next morning. The order was before 3PM so they shipped the same day.
Ease of ordering and length of time on delivery and the pleasing aroma of items purchased are all great! I will be purchasing more in the near future. Thanks to everyone involved with my order.
© 1991- • Air Delights, Inc. All rights reserved. "Air Delights" and logo are registered trademarks for Air Delights, Inc.


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Questions? Call Mod Experts at 714-582-3330 Mon-Fri: 8am - 6pm / Sat: 8am - 5pm
Shopping cart (0): $0.00
Be the first to review this product
Get your Audi A4 track ready without sacrificing ride quality with the RS-R Down Sus Springs.
Fits Audi A4 2.0T 2009-2014
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Drink the Book: 'Jelly Shot Test Kitchen'
While most folks associate jelly shots with college ragers, their origins are in fact much classier than one might imagine. The first written mention of these jelled cocktails comes from Marie-Antoine Carême, chef and originator of haute cuisine and baker of Napoleon's wedding cake. The jelly shots that he created were flavored with orange blossoms and pink Champagne, miles away from those Dixie cup jigglers that most of us remember.
Michelle Palm, the mastermind behind the Jelly Shot Test Kitchen blog, is on a mission to elevate the jelled cocktail. Her newly released cocktail cookbook, Jelly Shot Test Kitchen reads like the Mr. Boston of jelly shots, with nearly every cocktail you can think of transformed in to a sweet and wobbly bite. These bright little shots are equal parts fun cocktail fodder and amateur molecular mixology.
Palm's shot recipes run the gamut from classic (serious) cocktails—think Manhattans and Negronis—to girl's-night-out treats like the Melon Ball and the Flirtini. The photos are gorgeous, but the recipes are simple to assemble: If you can mix a basic cocktail and you've ever made Jell-O, chances are you're poised to become a jelly shot master mixologist.
Win 'Jelly Shot Test Kitchen'
Thanks to the generous folks over at Running Press, we are giving away five (5) copies of Jelly Shot Test Kitchen this month. All you have to do is tell us about the most creative jello shot you've had in the comments section below.


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It's another big victory for the governor on the same day he signed the new state budget. Brown has wanted to eliminate Enterprise Zones since his term began. He's called them wasteful and wants to shift the money to other tax breaks – such as a sales tax exemption on manufacturing equipment.
"This is a compromise that's been negotiated. It's supported by both labor and by business to fix some of the problems that we've known with our current Enterprise Zone system, so that we can use tax credits to encourage hiring in California," said Asm. Bob Blumenfield (D-San Fernando Valley) during the Assembly debate.
Supporters of Enterprise Zones acknowledged the program could be improved, but insisted it was vital for job creation in low-income parts of the state.
Not all Democrats supported the bill, but it reached the necessary two-thirds margin with five Republicans voting yes. It's already passed the Senate, so it now moves to the governor's desk.


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Jon Gates '97
A four year cross country, indoor track and outdoor track runner, Jon remains, at date of induction, the most successful men's runner in school history. A three time competitor at the NCAA Division III Cross Country Championships, he finished 13th in the nation as an All-American in 2006. Jon earned All-america honors by finishing third in the 5,000 meters at the 1997 NCAA Indoor championships, and then placed fifth in the 10,000 meters at the outdoor championships the following spring.
Inducted October 19, 2007


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COP Alarms – Security Packages
I-Watch 2 Home CCTV
Protect your home and family with our Professional Home CCTV Package. Ideal for most residential properties
- 2x Day & Night Dome Cameras
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NSI Insurance ApprovedCOP Alarms are an NSI (NACOSS) Approved company to supply, install and maintain Intruder, CCTV & Access control system. We are well known for our unmatched customer service and for the quality of work we guarantee.
Burglar Alarm Articles
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- Water
- 2 tablespoons curry powder
- 8 ounces uncooked penne (tubular pasta)
- 3/4 pound medium shrimp, cooked and peeled (fully-cooked thawed frozen shrimp work well)
- 4 ounces smoked salmon, diced
- 1 1/2 cups lightly steamed, coarsely chopped asparagus
- 1 tablespoon chopped fresh tarragon (or 1 teaspoon dry)
- 1 teaspoon fresh-squeezed lemon juice
- 1/4 teaspoon coarse ground black pepper
- 3 tablespoons olive oil
1/4 teaspoon salt
Fill a large saucepan 3/4 full of water and stir in curry powder until dispersed. Add pasta and cook according to package directions, omitting any salt. Drain well, cool with cold running water, and drain again; place in a large serving bowl. Add shrimp, salmon, and asparagus. In a small bowl, stir together the tarragon, lemon juice, salt, and pepper. Using a whisk, briskly whisk in the oil while pouring it in a steady stream. Pour dressing over pasta and toss gently to coat well. Serve right away. Slightly warm leftovers in the microwave before serving.
Yield: 8 cups.
Serving size: 1 cup.
Nutrition Facts Per Serving:
Calories: 219 calories, Carbohydrates: 23 g, Protein: 16 g, Fat: 7 g, Saturated Fat: 1 g, Sodium: 450 mg, Fiber: 2 g
Exchanges per serving: 1 starch, 1 vegetable, 2 lean meat. Carbohydrate choices: 1 1/2.
This recipe was developed by Tami Ross, a Diabetes Nutrition Specialist and Certified Diabetes Educator in Lexington, Kentucky.


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Synopsys and Artisan Collaborate To Offer Broad Library Support For Signal Integrity, Test, Power And Physical Verification
Customers to Have Free Access to Libraries Via Artisan's Foundry Library Program
MOUNTAIN VIEW, Calif & SUNNYVALE, Calif.--(BUSINESS WIRE)--Sept. 24, 2003-- Synopsys, Inc. (Nasdaq:SNPS), the world leader in semiconductor design software, and Artisan Components, Inc. (Nasdaq:ARTI), a leading provider of physical intellectual property (IP) for complex system-on-a-chip (SoC) design, today announced that they are collaborating to provide mutual customers with advanced design flows and broad technology support for certain Synopsys Galaxy(TM) Design Platform tools for 130-nanometer designs and below. Specifically, the companies are cooperating to provide Artisan customers access to free library views for noise for Galaxy signal integrity (SI), timing and power using scalable polynomial modeling (SPM), TetraMAX(R) automatic test pattern generation (ATPG), and Hercules(TM) physically verified components.
"As a leader in the design and delivery of synthesizable microprocessor cores, hard microprocessor cores and synthesizable peripherals for SoCs, we foresee real benefits from the ease of use, performance and predictability afforded by using Synopsys tools with Artisan's silicon libraries," said Simon Segars, EVP, Engineering at ARM.
"The complexity of today's submicron design environment mandates partnerships between leading providers to offer mutual customers quality solutions that ensure a successful path to silicon," said Neal Carney, vice president of marketing at Artisan. "By expanding our relationship with Synopsys, we're providing our customers with critical design implementation capabilities that give them more confidence in their designs and help speed time to market."
Both companies will broaden joint efforts to develop and deliver new solutions that address growing nanometer-scale design challenges, such as signal integrity, test costs, power management and physical verification. Artisan and Synopsys have already defined SI modeling capabilities in the Liberty(TM) (.lib) open library standard. These capabilities will also be delivered via Artisan's Foundry Library Program to address the need for increasingly accurate modeling of SI effects such as crosstalk-induced delay, crosstalk-induced noise (glitch) and IR (voltage) drop.
"As customers move their designs to 130 nanometers and below, it is critical that they have access to accurate models and a comprehensive library that spans the complete design flow," said Tom Ferry, vice president of marketing, Implementation Group at Synopsys, Inc. "Our expanded agreement with Artisan will give our customers access to the most advanced tools, flows and proven libraries."
For a demonstration of Synopsys solutions for complex silicon design, visit the Synopsys booth (#307) at the upcoming Artisan Community Design Conference, to be held at the Santa Clara Convention Center in Santa Clara, California, on September 25, 2003.
Pricing and Availability
The Artisan libraries are scheduled to support Hercules and TetraMAX in Q4 2003. Noise (glitch) model support for Galaxy SI is scheduled to be available in Q1 of calendar 2004 with support for SPDM format and SPPM format following in Q2 of calendar 2004 and Q3 of calendar 2004, respectively. The libraries will be available via Artisan's Foundry Library Program and can be obtained by visiting Artisan's web site at: http://www.artisan.com.About Artisan
Artisan Components, Inc. (Nasdaq:ARTI) is a leading provider of physical intellectual property (IP) components for the design and manufacture of complex system-on-a-chip integrated circuits. Artisan's products include embedded memory, standard cell, input/output, analog and mixed-signal components, which are designed to achieve the best combination of performance, density, power and yield for a given manufacturing process. Artisan has licensed its IP components to over 1,000 companies involved in integrated circuit design. Artisan is headquartered in Sunnyvale, California. More information about Artisan Components, including free library access, can be found at www.artisan.com.
About Synopsys
Synopsys, Inc. (Nasdaq: SNPS) is the world leader in electronic design automation (EDA) software for semiconductor design. The company delivers technology-leading semiconductor design and verification platforms to the global electronics market, enabling the development of complex systems-on-chips (SoCs). Synopsys also provides intellectual property and design services to simplify the design process and accelerate time-to-market for its customers. Synopsys is headquartered in Mountain View, California and has offices in more than 60 locations throughout North America, Europe, Japan and Asia. Visit Synopsys online at http://www.synopsys.com.
Safe Harbor Statement
This press release contains forward-looking statements of Artisan and Synopsys, including, without limitation, that Artisan is expected to add support in its libraries for Hercules and TetraMAX in Q4 2003, noise model support for Galaxy SI in Q1 2004, support for SPDM format in Q2 2004, and support for SPPM format in Q3 2004 and the expected benefits of such collaboration. These statements are subject to various risks and uncertainties, including, but not limited to, whether there will be technical or other difficulties that delay or prevent Artisan from supporting the Synopsys products listed above; market acceptance of these enhanced library products and uncertainties attendant to any new product offering. We refer you also to the documents that Artisan and Synopsys file from time to time with the Securities and Exchange Commission, in particular the section entitled "Factors Affecting Future Operating Results" in Artisan's annual report on Form 10-K and its quarterly reports on Forms 10-Q and the section entitled "Factors that may affect Future Results" in Synopsys' Quarterly Report on Form 10-Q for the fiscal quarter ended July 31, 2003. Artisan and Synopsys disclaim any obligation to update or correct the information contained in this press release as a result of financial, business or any other developments occurring after the date of the release.
Synopsys and TetraMAX are registered trademarks of Synopsys Inc., and Galaxy, Liberty and Hercules are trademarks of Synopsys, Inc. Artisan Components and Artisan are registered trademarks of Artisan Components, Inc. All other trademarks or registered trademarks mentioned in this release are the intellectual property of their respective owners.
Search Silicon IP
Related News
- Artisan Library Support for Synopsys Signal Integrity and Test Solutions Now Available for Download
- Artisan Library Support for Cadence Encounter Signal Integrity Solutions Now Available for Download
- Synopsys Expands Collaboration with ARM to Deliver Artisan Physical Libraries and POP IP Support for IC Compiler II
- Synopsys Announces EDA Industry's First Verification IP Library for SystemVerilog with Methodology Support
- Artisan and Cadence Collaborate to Optimize Low-Power Chip Design; New Library Views Support Next-Generation Low Power Devices
Breaking News
- New Vidatronic CTO to Innovate and Scale Technology
- Andes 45-Series Expands RISC-V High-end Processors 8-Stage Superscalar Processor Balances High Performance, Power Efficiency, and Real-time Determinism with Rich RISC-V Ecosystem
- SiFive To Present New Technologies At RISC-V Summit 2019
- Andes certifies Imperas models and simulator as reference for new Andes RISC-V Vectors Core with lead customers and partners
- BrainChip and Tata Consultancy Services (TCS) jointly Present a Demonstration Featuring Its Akida Neuromorphic Technology Platform at NeurIPS 2019
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Value Line is regarded as the best independent research available. More than just recommendations, Value Line provides the rationale behind its picks for greater understanding.
As an insurance company, Travelers' (TRV - Free Travelers Stock Report) Value Line stock report differs from most others in The Value Line Investment Survey. The main differences reside in the Statistical Array, which has been adjusted to show the most important statistical aspects for an insurer. It is important to understand these statistics if one is to be in a good position to evaluate an insurance company and its underlying stock.
Travelers was founded in 1864 in Hartford, Connecticut. The company was formed through an off-hand transaction of only two cents. The two-cent transaction occurred on March 24th of that year, when a Hartford businessman, James Batterson, met a local banker, James Bolter, in the post office. Bolter had heard that Batterson and several townspeople were organizing a company for the purpose of introducing accident insurance to North America. Bolter said that he was on his way home for lunch and wondered how much he would charge to be insured for that trip. Batterson quoted two cents and tucked the two pennies into his vest pocket. Bolter walked the four blocks to his home without mishap.
Bolter's two-cent "premium" is a souvenir treasured by the company Mr. Batterson founded, Travelers. The company officially began doing business on April 1, 1864 while the American Civil War was still raging. Batterson was head of Travelers for more than a third of the company's first century, before he passed away in 1901.
The company is noted for introducing the automobile policy, airline coverage, and a policy for space travel. In the 1990s it went through a series of mergers and acquisitions. In 1993, it bought Primerica. Two years later, it was renamed The Travelers Group, and in 1996, it purchased Aetna's property and casualty insurance business. In 1998, the Travelers Group merged with Citicorp to form Citigroup (C). However, the synergies between the banking and insurance arms did not work out as well as planned. Hence, Citigroup spun off Travelers' Property and Casualty business into a subsidiary in 2002. (A few years later Citigroup sold Travelers' life and annuity arm to MetLife.) In 2004, St. Paul and Travelers merged and renamed itself St. Paul Travelers, with the company headquartered in St. Paul, Minnesota. The name was subsequently changed to The Travelers Companies in 2007.
Neither Sales nor Revenues per share exist on the Statistical Array of a Property and Casualty insurance company. These figures are replaced by Premium Income, Investment Income, and Underwriting Income per share. They are shown because each is a very distinct aspect of an insurers' business. For Travelers, P/C Premiums earned per share totaled $49.31 in 2010, Investment Income per share was $7.04, and Underwriting Income was $3.06 per share.
Premiums Earned per share is the actual dollar amount that an insurer receives from its policyholders. In other words, it's the premium the insurer receives from its customers in order to compensate it for the risk undertaken (the insurance provided). Increases in net premiums earned are based on many factors including rate increases, new business wins, and more favorable terms and conditions.
Note, however, that the premium income earned figure takes out reinsurance fees. Insurers frequently buy reinsurance to protect themselves from losses above a certain threshold. For instance, if one were to contract for a life insurance policy in the morning and then get hit by a bus that afternoon, the insurer would be responsible to pay the entire policy to the deceased's beneficiaries without having received any premium payments. Reinsurance helps to limit some of this risk, by shouldering some of the burden of an unprofitable contract in return for policy fees from the original underwriter. This practice reduces the profitability of contracts that reach maturity, but it is an important part of the hedging process for those that do not.
Investment Income per share is the dollar value return that an insurer receives from its investment portfolio. The return a company receives on its investments is often highly correlated to stock market returns and the availability of attractive yields on fixed-rate securities, such as bonds. It provides an indication of how well management is handling its shareholders' money. Subscribers can find the percentage return lower in the Statistical Array in the line item Investment Income/Total Investments. For Travelers, this figure was 4.6% in 2010.
While a 4.6% return might seem unexceptional in a year when the average stock followed by Value Line advanced 24.8%, this has to be viewed in light of the market. Indeed, interest rates are at historic lows and the company's fixed-income portfolio is $62.820 billion (this figure can be found in the Financial Position box on the Value Line report), or approximately 86% of its portfolio (the value of the company's total portfolio can be found on the balance sheet statement). While this may seem an extremely high percentage, it is not when considering the way the insurance industry works. Travelers must be able to pay out any claims it receives from the premiums it is paid. While it may invest those premiums, doing so in anything but a conservative manner would risk the company's solvency as it might not be able to pay claims—thus, fixed-income investments will likely be the largest percentage of any insurer's portfolio. While this will limit potential returns, especially in times of low interest rates, it also ensures their ability to pay losses.
The next item in the Statistical Array is Underwriting Income per share. For Travelers this figure is $3.06. Underwriting income is the difference between the revenues generated by premiums and the costs of settling claims. In years with significant claims, an insurance company can lose money on the policies it underwrites. This happened to Travelers in all but one year between 1995 and 2005 (as highlighted in the footnotes, prior to 2004, the figures represent only St. Paul's results).
Although it is clearly a negative that an insurance company would not make a profit on its underwriting activities, such an event is not uncommon at all. In fact, some companies take on riskier business (prone to higher losses) in order to boost net premiums earned, and thus increase their invested assets. For these firms, investment income is particularly important because it is their only form of income. Losses can take place across the entire industry if major catastrophic events occur, such as hurricanes and earthquakes. Note, too, that the pricing environment can also influence a company's Underwriting Profit. When there are few catastrophic events, the cost of insurance often declines, leaving less room for the insurance companies to earn a profit on its policies at all, let alone if a major event were to take place. In this situation insurance companies may actually sell policies at levels they know will result in losses in an effort to retain market share.
This reviews only four items in a Value Line report on a Property and Casualty insurer. Next week, we will use Travelers to review several more items that are unique to insurers.
At the time of this article's writing, the authors did not have positions in any of the companies mentioned.


text: Wednesday, November 06, 2013 FDA Issues Mobile Medical App Guidelines The federal Food and Drug Administration (FDA) says that it is taking a "risk-based" approach to its oversight of mobile medical apps and will focus its enforcement efforts on apps "that present a greater risk to patients if they do not work as intended." The announcement of the enforcement approach accompanied the FDA's release of its final guidance resource (.pdf) for developers of the technologies. The guidance and enforcement information was released in draft form in July 2011, and the final document is now part of the resources available on the FDA's mobile medical applications webpage. For the most part, the agency's enforcement attention will be on apps that "are intended to be used as an accessory to a regulated medical device" or "transform a mobile platform into a regulated medical device." In addition to technologies that would monitor the heart and other organs, regulated apps would also include those that measure degree of tremor, monitor eye movement relative to balance disorders, and control settings of a neuromuscular stimulator. Other apps that meet the FDA's definition of a "device" but do not present significant risk to the patient would likely not be subjected to review—something the FDA calls its "enforcement discretion." These would include apps that use video and games to encourage users to do physical therapy exercises at home and apps that allow users to record and evaluate activities related to exercise and diet. According to the FDA, the guidance is an attempt to provide consumer protection services to the rapidly growing market for health-related apps, a segment of app technology that industry experts predict will be present on 50% of all smartphones and tablets by 2018.


text:
An Australian man being treated for alcoholism downed six bottles of hand-sanitizer, boosting his blood-alcohol level into the stratosphere.
The alcohol-based antibacterial gel brought the unidentified 45-year-old man's blood alcohol level to a staggering 0.271 percent, more than five times the legal limit for driving Down Under.
"It surprised us that he drank this stuff," Dr. Michael Oldmeadow said, according to the Australian Associated Press. "It's horrendous. You'd think it would taste pretty bad."
U.S. & World
The man had been admitted to hospital three days earlier when nurses noticed he had become drowsy. They found the empties near his bed and the man admitted to drinking them to get a buzz.
Now medical experts are calling for the sanitizer to be secured, according to The Associated Press. The sanitizer the man drank is ethanol-based and has an alcohol content of 66 percent, making it 132 proof.


text:
Construction of the 11-mile Central Corridor light-rail transit line between downtown St. Paul and downtown Minneapolis is 80 percent complete, but a federal lawsuit brought by University Avenue businesses, nonprofit groups and residents against the Metropolitan Council and the U.S. Department of Transportation rolls on.
In U.S. District Court in St. Paul on Monday, Nov. 19, attorneys for the St. Paul branch of the NAACP, former city council member Debbie Montgomery, the Aurora-St. Anthony Neighborhood Development Corp., Pilgrim Baptist Church and a series of additional plaintiffs asked Judge Donovan Frank to force the Met Council and the Transportation Department to complete a business study of the corridor.
The court-ordered "supplemental Environmental Impact Statement" would examine various business effects, including the numbers of businesses that have opened and closed along University Avenue and the light-rail corridor during construction, which began in earnest in March 2011.
The attorneys said the judge should give the defendants 30 days to complete the supplemental EIS; if not, construction should be halted. Frank said he would issue a brief memo on the issue by Nov. 27, with a longer, more formal opinion likely to follow within a month.
Frank had previously ordered the Federal Transit Administration to complete a business study in January 2011 and again in January this year, but he did not provide a specific timeline. Tom DeVincke, an attorney for the plaintiffs, said the Met Council and FTA waited until June to hire SRF Consulting to begin preparing the official supplemental EIS document.
"We think it should have been done by now," DeVincke said.
Laura Baenen, a spokeswoman for the Met Council, said officials expect to have a draft document published for public comment by the end of December, and a new timeline is unnecessary. The final supplemental EIS would be issued between April and June.
"We've told the NAACP this," Baenen said.
Attorneys for the Met Council and the FTA said halting construction would delay the beginning of passenger service, now scheduled for an unspecified date in 2014, which would hurt local businesses even more. They said mitigation efforts, such as a small-business loan program, have grown.
Central Corridor businesses can apply for up to $20,000 in mitigation loans, which do not have to be paid back if the business stays open along the corridor for five years. According to the Central Corridor office, 137 businesses have received more than $2.1 million in "forgivable" loans since the start of heavy construction.
The Central Corridor office maintains that 84 businesses have opened on the corridor and 70 have closed. Another 22 relocated from one part of the corridor to another, and 14 moved off the corridor.
Betty Charles, a plaintiff and owner of the Shear Pleasure salon, said there's been an upside to construction. Her corner of University Avenue has been repaved and the sidewalk has reopened. "It looks really good," she said.
But other businesses, such as Mai Village and Hoa Bien, are just hanging on. A Kentucky Fried Chicken on University recently closed, as did the Edge Coffee Shop. On the flip side, Foxy Falafel on Raymond Avenue and a Culver's restaurant on University are among the newer arrivals.
Montgomery said that as a city council member, she traveled to new rail corridors in Seattle and Portland, Ore., and found businesses that received $100,000 or more in compensation for construction-related revenue losses. Elaborate mitigation plans presented in advance of construction spoke to everything from sidewalk access to alley improvements.
"They were actually trying to develop their small businesses to help them stay," Montgomery said. "We're trying to play catch-up on the business mitigation."
Frederick Melo can be reached at 651-228-2172.


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Internationale Studiengänge
DHBW Loerrach offers three study programs that are geared towards international students: International Business, International Business Management trinational, Mechatronics trinational and Regio Informatica.
To meet the needs of partner companies for an increasing number of internationally educated and experienced employees, DHBW Loerrach offers an undergraduate study program in International Business which is entirely taught in English. Comprising a total of six semesters, a period of at least one Semester spent abroad is compulsory. The study program is aimed at international and German students with a good command of the English language.
As for its privileged site in the heart of the tri-border area of Germany, Switzerland and France, the so-called Dreilaendereck, the DHBW Loerrach offers two undergraduate trinational study programs in close cooperation with two universities in France and Switzerland (Université de Haute Alsace, France; University of Applied Sciences and Arts Northwestern Switzerland).


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Potato pancakes
Nutrition and extra info
Nutrition: per serving
- kcal75
- fat3g
- saturates1g
- carbs9g
- sugars0.7g
- fibre0g
- protein3g
- salt0.2g
- 250g cold mashed potato, or 2 medium-size floury potatoes, cut into chunks
The world's favourite root vegetable, the potato comes in innumerable varieties. A member of…
- 75g plain flour
- 1 tsp baking powder
Baking powderbay-king pow-dah
Baking powder is a raising agent that is commonly used in cake-making. It is made from an alkali…
- 2 eggs
The ultimate convenience food, eggs are powerhouses of nutrition, packed with protein and a…
- 125ml milk
One of the most widely used ingredients, milk is often referred to as a complete food. While cow…
- 1 rounded tbsp finely snipped chives
- 1 tsp sunflower oil
Sunflower oil
A variety of oils can be used for baking. Sunflower is the one we use most often at Good Food as…
- knob of butter
Butter is made when lactic-acid producing bacteria are added to cream and churned to make an…
- crispy bacon and scrambled eggs to serve, if you like
Bacon is pork that has been cured one of two ways: dry or wet. It can be bought as both rashers…
If you've got potatoes not mash, cook them in boiling water until tender. Drain well and press through a potato ricer or mash. Weigh out 250g and cool.
Sieve the flour and baking powder onto cooled mash. Whisk eggs and milk together and add to the potato mix with the chives. Whisk the batter until smooth.
Heat a large non-stick frying pan over a medium heat. Add ½ tsp sunflower oil and a dot of butter. When the fat is hot, start to cook the pancakes. Add 1 tbsp of batter for each pancake and cook 4 at a time. Cook for about 1 min until the underside is golden brown and small bubbles appear.
Flip the pancakes and cook until golden. Remove from the pan and keep warm while you cook the remaining pancakes in the same way, adding a tiny bit of oil and butter to the pan as and when needed. Serve the pancakes in stacks with creamy scrambled egg and crisp rashers of streaky bacon.


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Mayor's Office
The City of Lincoln has been awarded an initial allocation of about $26 million in Recovery Zone Facility Bonds as part of the American Recovery and Reinvestment Act. The bonds may be issued to qualified businesses to finance property in the City's recovery zone.
On March 8, the City Council designated an area within the City of Lincoln as a recovery zone. This designation was based on "distress factors" such as poverty, unemployment, home foreclosures or general distress.
At this time, the City is making available $15 million of Recovery Zone Facility Bonds. Eligible businesses interested is applying for these funds are asked to submit a letter of interest to:
City of Lincoln Finance Director Don Herz
555 S. 10th Street, Suite 103
Lincoln, NE 68508
Letters of interest must be received or postmarked on or before April 16, 2010.
Those interested are encouraged to read the complete award criteria details on the City Web site, lincoln.ne.gov (keyword: finance).


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You Send Em, I Post Em
7/30/2012 by mcmanus
Lucky for you all that there are some folks in NEFAland who are willing to share some disc golf sights and stories, otherwise this blog would be about my Monday morning routine, and believe me, it aint pretty. So, without further delay, check it out:
Photo submitted by Isaac Chaney
"This is a picture of me in the 2010 Nuese river Rumble 3 in New Bern, NC. I can remember it like it was yesterday, this was a 2 day tournament and it was the hottest, most muggy day I've ever play disc golf on. The temperature was 98 degrees with 100% humidity!! I lost 25 pounds that weekend! I played the last round with Team Innova player Terry Gallops. I ended up getting 8 out of 9 birds on the back nine to pass him, but only came in 5th place. Brian Shweberger won that tourney ....good times!!"
Photo submitted by Sylvia Rodriguez: Larry Kirk
"Larry Kirk, promoting "Soldiering on For Disc Golf" will be playing in New England this week (7/29-8/4/12) covering Connecticut, Rhode Island, Massachusetts, Maine, New Hampshire and Vermont. Anyone is welcome to join him on his disc golf tour. Please contact him for more details at 209-564-7301 or email@example.com
His challenge now is to repeat playing the 50 state disc golf courses again, but his time within a year!.
Photo submitted by Matthew Morris
"Here is a pic of me driving at Buffumville DGC...pretty sure this is hole 3"
My thanks go out to Isaac Chaney, Sylvia Rodriguez and Matt Morris for sending in your pics!! Now that all you NEFAlanders see just how easy it is to get props on the NEFA blog, may I suggest that you keep em coming!!
To be continued......
by Eric Robinson on
7/30/2012 at
Pretty sure this my brother-in-law..
by arty graustein on
7/31/2012 at
It certainly does look like Hole 3 at Buffumville and if it is that drive looks like its in a lot of trouble.
This post is more than 700 days old, further comments have been disabled.


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Organizing and Simplifying JavaScript with Object Literals - 12
Developers coming from Object Oriented Programming backgrounds may notice similar constructs (objects, the new keyword, etc.), but in JavaScript these ideas are implemented much differently. This video demonstrates the creation of simple objects called "object literals" to keep related properties and functions (methods) together in one structure. Finally, Bob demonstrates using constructors and the new keyword to show how different these ideas are from other programming languages.
Right click to download this episode
- Low Quality MP4 (133.0 MB)
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- High Quality WMV (96.1 MB)
More episodes in this series
Understanding the Document Object Model - 13
Related episodes
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Five Things About Visual Studio Code
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Five Things About Azure Functions
Five Ways to Build Real-Time Apps with JavaScript
Five Things About JavaScript in DevOps
Five Reasons Why You Should Check Out Cosmos DB
One Dev Question - Is VSCode only good for JavaScript?
Five Vue Libraries That Will Melt Your Face Off
TWC9: VS Code Updates, C# 8.0 Details, Top Programming Languages of 2018, Detective…
The Discussion
Re-opening this closed thread ...
You say that "status:" and "rescueBatman:" are variables, so why do you use ":" to define the variable, why can't you use "="?
also you don't explain object literal very well, this is supposed to be for Absolute Beginners and you were speaking about it as if we have previous knowledge like with C# and it sounds very complicated so this lesson really did nothing for me while the other previous ones have been good.
@Lee Wood: Hey Lee, sorry this video didn't do a very good job of explaining it. If / when I ever re-do this video, I'll pay more attention to how I go about this. Thanks for the feedback.
If I said that those object members are "variables", that was a misstatement and I apologize. They are MEMBERS of an object. Objects can have properties (attributes) and methods (functionality). In this case, "status" is a property / attribute, and "rescueBatman" is a method. Both are members of the whole, of the new object. We set a reference to that new object using the equals = operator.
Why use a colon : and not an equals = operator? Here are two examples that are functionality equivalent:
var myObject = { firstProperty:'some value', secondProperty:'some other value'};
.. is functionally the same as:
var myObject = new Object(); myObject.firstProperty = 'some value'; myObject.secondProperty = 'some other value';
Hope that helps? Please feel free to follow up ... we'll get to the bottom of this!
Hi Bob,
Great series that has been a break through for me.
I have a problem similar to our poster above in that I'm a total non programmer who is "undefined" at this point. In your last example in this video, you state that we want our car to have a make property, and we assigned it to the temp variable "make" that was passed into the constructor. You also stated that you hoped it didn't throw anyone.
I'm tossed :). Regarding
function car(make, model, year){
this.make = make;
this.model = model;
this.year = year;
I hope I am not asking to much if I could inquire about a little deconstruction on that point? I'm one of those that over-thinks everything down to the nub, so I've gone and confused myself. Especially because I am completely unfamiliar with the word/object/command "this", what it does, and how it is used.
(I understand it is a complex power word, but an overview of it's use in the context of just this instance would help)
To add to my confusion, I'm not sure which instance is the temp variable (this.make?), and when you stated that we passed it into the constructor, I'm wondering if you are referring to the first line in the braces, or if you are saying we are passing it into the finished total block of constructor code.
Oddly enough, I see clearly that this works, I'm just not so sure on the how/why in the block mentioned above.
Thank you so much for opening my eyes so far.
Regarding "this" usage, the following tutorial about covers nicely:
Thanks again.
re: how can you hide the data from prying eyes? Great question. "If there's a will, there's a way." I can almost always get at the data, whether through URL hacking, viewing source or using a network sniffer like the one built into F12 tools. If the data is non-sensitive, then I wouldn't worry about the 1% of people that would look at the source. However, if you're building a game or a business app that requires you keep the data private, your best choice is to really think through the entire architecture of the app you're building. Your architectural strategy will likely require you consider BOTH client-side development and server-side development impact. It might require you only deliver user-specific JSON data from a web service hosted on a web server for that specific user. If the user wants to view it, fine. He's only viewing data pertaining to HIM specifically. You might use a server-side technology like ASP.NET Web API for this purpose. If you want to encrypt the data somehow, that would be a bit more challenging ... I would seek out a jQuery library for that purpose. I would start with the following search terms on Bing.com: "jquery encrypt json" or try variations on that. There might be some good Stack Overflow threads that would be helpful as well. In all things that are architectural in nature ... "it depends". If you gave me more details I might be able to point you in the right direction.
re: database connection / user session ... I have to admit I don't really understand the question. Could you clarify this a bit? I think you may be confusing the role of server-side permissions and client-side permissions? But I'm not really sure.
Good luck!
wow, this was like way out there for this true beginner. i think i may need to find an easier series. i got lost so badly, royally confused.....i don't know if watching lecture 12 over and over again will change it.
was just for my taste a bit too much info in too short of a time span....ugh. im fearing i will not be very good at this JS
@baerspective: I'm sorry this one was a toughie for you. If you're willing, I'd be glad to try and help and break it down into more digestible bits. Can you identify when things begin to fall apart? What was your first moment of confusion? We can work through this ... don't let Object Literals stop you!!!
A few lessons back you were working with an array and used 'if i < array.length'. I am having a little difficulty understanding why it is not written 'if i <= array.length'. Is the array length in JavaScript one more than the actual array items? Although I watched you run it and saw it worked fine, it would appear to me that the last item in the array would net be presented if you are testing for less than the array length. Could you please explain why this works? Thanks in advance!
OK, as Gilda Rader's Emily Litella character used to say "Never Mind!" I believe I have answered my own question. Having work with the ASP.NET list control, I am assuming that array.length is similar to list.count. The items in the list/array are 0 based while the count/length starts with 1.
Hello Bob,
I have found your tutorials very useful up to this point, thank you very much for creating them.
@Stevan: For the sake of debugging ... can you try the other examples that you download from here and see if they work ... both before and after this lesson.
a missing , before cities didn't allowed my script to run am using notepad. thanks for the tutorial
How would you create a new instance of the planet var?
planet.name = "Old Name";
z = planet;
z.name = "New Name";
document.write("Planet name: " + planet.name + " Z name: " + z.name);
This outputs "Planet name: New Name Z name: New Name "
@Robin: In this case, you're merely assigning z a reference to planet. That's not creating a new "instance" of the Planet object. However, this does lead to a larger issue ... if you're a VB.NET or C# developer you're used to the concept of a class. JavaScript doesn't work that way exactly. Instead, you have the notion of prototypes. I intentionally different cover that because, frankly, it scares me.
Here's a good start ... if nothing else, you can use this topic as a jumping off point:


text:
A bird in the bush is worth -- a lot
Highway travelers know the relief of finding a great place to stay after a long night on the road. Migrating birds are no different. A study led by a Princeton researcher has shown that birds expend more energy seeking food and shelter between the legs of their journey than they do flying.
"Flight itself is costly, but foraging and preparing for the flight is even more costly," said Martin Wikelski, a biologist and lead author of a study that involved tracking birds for hundreds of miles as they traversed the American Midwest.
One implication of the finding is that urban and suburban homeowners play a critical role in preserving migratory routes. The birds followed in the study often stopped in the backyards of populated areas to look for food and prepare for the next flight. "You really have to keep your garden in good shape so the birds can come through and make it up to Canada," Wikelski said. Migrating birds need bushes and some natural undergrowth, not just lawn and flower gardens, he said.
More details are available in a news release.


text:
Classic Recessed Medicine Cabinet
Select Size: 20" W x 27" H
Select Finish: White
Earn $25 back in rewards* for every $250 spent with your Pottery Barn Credit Card.Learn More
- Overview
Designed with the same quality and detail that distinguishes all of our furniture collections, the Classic Recessed Medicine Cabinet is expertly crafted with a solid hardwood frame.
- Sturdily built with a solid hardwood frame.
- Sealed with a protective lacquer for moisture resistance.
- Nickel hardware included. Choice of Chrome, Satin Nickel and Antique Bronze hardware sold separately.
- Detailed with pencil-polished edging.
- Equipped with 2 adjustable tempered-glass shelves.
- Inset measurements are approximate; please measure cabinet carefully before installing or making any alterations to your walls.
- Can be mounted to open left or right.
- Professional installation recommended.
- Imported.
- Dimensions & Care
- Overall: 20" wide x 5" deep x 27" high
- Interior (without shelves): 18.5" wide x 4" deep x 25.5" high
- Shelf (2): 16" wide x 4" deep
- Mirror Only: 15" wide x 21.75" high
- Shelf Weight Capacity (each): 20 pounds
- Weight: 30 pounds
- Overall: 20" wide x 5" deep x 34" high
- Interior (without shelves): 18.5" wide x 4" deep x 32.5" high
- Shelf (2): 16" wide x 4" deep
- Mirror Only: 15" wide x 28.75" high
- Shelf Weight Capacity (each): 20 pounds
- Weight: 36 pounds
- Wipe frame with a soft, dry cloth.
- Clean mirror with standard glass cleaner and soft cloth.
- To protect the finish, avoid all household cleaners and abrasives.
- Shipping & Returns
UPS can deliver most in-stock items within 3-5 business days.
Next Day Delivery and Processing
We can arrange for next day delivery to most destinations within the contiguous 48 states, for an extra charge of $26.00 per address. If we receive your order by 6pm PT Monday through Friday, you'll receive your order the next business day; orders placed on Friday after 6pm PT through Sunday will arrive on Tuesday. Note: Next Day Delivery service is not available for some oversized items, White Glove Delivery, out of stock items, personalized items or for items shipped directly from the manufacturer.
View the complete Shipping and Delivery Information page.
You can return eligible item(s) within 30 days of receiving an order or 7 days for Quick Ship upholstery items for a refund of the merchandise value. An original receipt or gift receipt is required. Monogrammed items and Made to Order furniture or rugs are not eligible for returns. Review the full list of ineligible items and our refund policy below before starting the process.
Easy Ways to Return:
- Stores - You can return most non-furniture items to your local Pottery Barn store for free.
- Bring to UPS Location (under 70 lbs) – See our full Easy Returns Policy to start the process.
Ineligible Items
Items non-eligible for returns or exchanges:
- Monogrammed items
- Mattresses
- Gift cards
- Made to Order items, including custom rugs and furniture
- Final sale items (with prices ending in $.X7 or $.X9)
- Items damaged through normal wear and tear
Questions? See our full Easy Returns Policy.


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|Las Vegas, Nev.
|High School:
|Faith Lutheran
2014 WCC Freshman of the Year
2014 First Team All-WCC
2014 Wyoming Cowgirl Classic Co-champion
2013 Firestone Grill Invitational Champion
2013 SCU Colby Invitational Co-champion
AS A FRESHMAN IN 2013-14: One of the most decorated first-year players in program history ... is the first SCU women's golfer to earn WCC Freshman of the Year and was selected to the All-WCC Team ... tied a program record with three individual titles and had nine top-10 finishes competing in all 11 events ... led the team with a program-record 74.19 stroke average scoring 20 of her 31 rounds at 74 or lower ... carded a team-best 72 birdies and tied the season record with nine par or better rounds ... had a counting score of 96.8% (30 of 31) ... team's top individual finisher eight times in 11 events ... scored rounds of 75-73 (148) and won her first tournament beating teammate Sadie Strain on the second hole of a sudden-death playoff at the SCU Colby Invitational ... posted her second win and ended the fall the next week with a season-best 69 in the final round to finish at 4-under 142 at the Firestone Grill Invitational ... tied for 9th in her first collegiate tournament with rounds of 78-73-74 at the Hobble Creek Invitational ... earned her first top-5 finishing two shots behind teammate Kaci McCartan to tie for 2nd with a +1 217 (72-71-74) at the BSU Fall Invitational ... had identical tournament totals of +10 226 placing ninth at the WSU Cougar Cup and tied for 11th at the Cowgirl Desert Intercollegiate ... opened the spring season with a 6th place tie at the Grand Canyon Invitational (73-74-72=229) ... shot an even-par 216 (73-70-73) to tie for 5th place at the Juli Inkster Invitational ... tied for 26th (80-72-76=228) at the Anuenue Spring Break Classic ... matched her season-best with a final round 69 and had rounds of 72 and 74 to tie for the top spot at the Wyoming Cowgirl Classic at 1-under 215 winning the trophy on a scorecard playoff ... tied for 10th at the WCC Championship with scores of 77-74-77=228.
HIGH SCHOOL: graduated in 2013 from Faith Lutheran High School in Las Vegas, Nev. ... played golf for coach Mark Cheney ... Was all-state four times in golf, playing Division 4A golf ... 2009, '11 and '12 Sunset Region Player of the Year ... 2011 Las Vegas Player of the Year ... finished as the runner-up at the 2012 Trusted Choice/Big "I" Championships ... won the 2012 Bass Pro/Payne Stewart Junior Championships, setting the women's competitive course record at Rivercut with a 6-under 66 ... tied for ninth at he 2012 USGA Girls' Championship ... won the 2009 Nevada State Junior Girls' Amateur, ages 13-14 and then won the 2012 Nevada State Junior Girls' Amateur, ages 15-17 ... on the honor roll from 2009-13 ... sophomore class secretary ... junior class president and then student body president her senior year.
PERSONAL: Born in West Hills, Calif. … Only child of Thomas and Margaret Freman ... father went to Long Beach State and mother attended Indiana University … did a lot of volunteer work in high school, including at a local assisted living facility, First Tee of Southern Nevada and US Kids Golf ... had a part in the high school musical, Legally Blonde, in 2013 ... plans to study in Leavey School of Business.
Top Finishes
T-1st – Wyoming Cowgirl Classic (Apr. 7-8, 2014)
1st – Firestone Grill Invitational (Oct. 28-29, 2013)
T-1st – SCU Colby Invitational (Oct. 21-22, 2013)
T-2nd – Bronco Fall Invitational (Sep. 16-17, 2013)
T-5th – Juli Inkster Invitational (Mar. 3-4, 2014)
Lowest Rounds
69 – Wyoming cowgirl Classic, 3rd Rd (Apr. 8, 2014)
69 – Firestone Grill Invitational, 2nd Rd (Oct. 29, 2013)
70 – Juli Inkster Invitational, 2nd Rd (Mar. 3, 2014)
Lowest 36-Hole Scores
142 – Firestone Grill Invitational (Oct. 28-29, 2013)
143 – Juli Inkster Invitational (Mar. 3-4, 2014)
143 – Bronco Fall Invitational (Sep. 16-17, 2013)
Lowest 54-Hole Scores
215 – Wyoming Cowgirl Classic (Apr. 7-8, 2014)
216 – Juli Inkster Invitational (Mar. 3-4, 2014)
217 – Bronco Fall Invitational (Sep. 16-17, 2013)


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Printable Version
Handbook Sections
Other Information
Unemployment Insurance Handbook for Employers (UCB-201-P)
Section 2 - Tax
PART 4 - Account Reporting
- Filing a Quarterly Report
- Internet Tax and Wage Reporting
- Employer Agent Reporting Format
- How Your Tax Rate is Determined
- Lowering Your Tax Rate
- Filing an Adjustment Report
- Reserve Fund Balance Statement
- FUTA Crossmatch Program
- Payment of Taxes Via Electronic Funds Transfer
- Delinquent Tax Collection
- Closing Your Account
A. Filing a Quarterly Report
Report all wages on a calendar quarter basis. The first $14,000 in wages paid to each employee in calendar year 2013 and beyond is taxed. Wages paid to each employee above the $14,000 limit are reported as wages but excluded from taxation.
If you are subject to the Wisconsin UI Law you must file a quarterly report even if you didn't have payroll in the quarter.
Contribution reports are due by the close of the month following the end of the calendar quarter.
Quarterly Due Dates
The quarterly due dates are:
1st quarter (Jan., Feb., Mar.) due April 30 2nd quarter (Apr., May, June) due July 31 3rd quarter (July, Aug., Sept.) due October 31 4th quarter (Oct., Nov., Dec.) due January 31
- Due Dates Falling on Weekends or Holidays: Per DWD 110.07(4) the due date will be the next day that is not a Saturday, Sunday or legal holiday under state or federal law.
If your contribution report and/or payment is not received by the due date, interest accrues on the unpaid tax at a rate of 0.75% per month starting on 08/01/2012.
If the amount due is for a period prior to 07/31/2012, interest is assessed at 1% per month from the due date of the report through July 2012 and then at 0.75% per month from August 2012 through the current date. The interest rate can change annually.
Please refer to the Interest Assessment Guide for additional information regarding interest rates and calculations.
Deferral Option
Employers with a first quarter tax liability of $1,000.00 or more can defer paying up to 60% of the total liability to future quarters. To avoid assessment of interest on the deferred amount, employers must comply with the following requirements.
- The employer must not have any prior quarter outstanding amounts due on April 30. This includes interest, penalties, or other fees.
- The first quarter contribution/wage report and at least 40% of the first quarter tax liability must be received by the April 30 due date.
- The next 30% of the first quarter and all second quarter tax liability must be paid by July 31.
- The next 20% of the first quarter and all third quarter tax liability must be paid by October 31.
- The remaining 10% of the first quarter and all fourth quarter tax liability must be paid by January 31 of the next year.
Interest will not be assessed on the deferred amounts as long as the installment payments and subsequent quarter tax payments are made by the specified due dates. If there are any other amounts due on each of the specified due dates including interest and/or penalties, interest on the deferral amount will be assessed retroactive to April 30. All quarterly contribution/wage reports for quarters subsequent to the first quarter must be filed by the appropriate due dates.
Please note that any deferral amount not paid prior to July 31 will not be included in your account balance for purposes of computing your tax rate for the next calendar year. This could result in being assigned a higher rate.
File Deferral Option Electronically
To take advantage of this deferral option, you must file the election electronically between 2/15 and 4/30 of the year you want to take the deferral. The website address is https://dwd.wisconsin.gov/uitax click on "Employer UI Account Information," the First Quarter Deferral Election can be found under "Reports > Reporting Functions > First Quarter Deferral Election."
A new election must be filed each year you wish to defer your first quarter tax liability. Tax and wage reports must be filed electronically for all calendar quarters of the year elected for deferral.
If you have any questions, please call an employer service representative at 608-261-6700.
B. Internet Tax and Wage Reporting
There is a web site available for employers to file their Wisconsin Unemployment Insurance tax and wage report. A payment coupon will be provided to submit with the tax due or payment can be made through ETF. The web site address is https://dwd.wisconsin.gov/uitax and click on "File Tax and Wage Reports".
One advantage of entering the wage and tax reports online is the system will calculate the wage base exclusion for you.
Online Filing Requirement
Unless an employer uses an employer agent to prepare their report, employers with 25 or more employees are required to file their tax report using online. This requirement took effect beginning with the report for 3rd quarter 2008. Continued filing on paper will result in a $25 penalty. Once you are required to file electronically you must continue to file electronically in the future.
C. Employer Agent Reporting
Employer agents who prepare UI reports, must file reports electronically. A $25 penalty may be assessed for each employer report not filed electronically.
D. How Your Tax Rate is Determined
As a newly subject employer, you are assigned a standard fixed rate for the first three calendar years. Newly subject employers in the construction industry pay at the average rate for all other experience-rated construction industry employers.
New employer rates can be found at Unemployment Insurance Tax Rates (https://dwd.wisconsin.gov/ui/employers/taxrates.htm).
New employer tax rates apply to a calendar year and not to the first four or eight calendar quarters during which an employer has payroll. After the first three calendar years, you will be assigned an annually determined "experience" rate based upon the activity in your account.
An account balance is maintained for each individual employer covered under the UI Law. The balance is maintained for tax rating purposes only. The taxes paid are similar to insurance premiums and, therefore, in the event an employer goes out of business, no money in the account is returned to the employer. The balance increases with each tax payment made by the employer and decreases with every unemployment benefit payment made to their laid off workers.
After the initial new employer tax rating period, 3 years, we determine your experience rate as follows:
Your account balance as of June 30, which includes tax payments made through July 31 and benefit payments made through June 30, is one factor used to compute your rate.
Another factor is your fiscal year taxable payroll as reported on your quarterly reports for the fiscal year ending on June 30 of the current year. In simple terms, the quarters would always be the last two quarters of the previous year and the first 2 quarters of the current year.
Your account balance is divided by the fiscal year taxable payroll to determine your "reserve percentage" which in turn determines your tax rate for the next year.
The "reserve percentage" is then applied to the rate schedule. The rate schedule shows a basic rate and a solvency rate total rate.
- The basic rate portion of each tax payment is credited to your account balance.
- The solvency rate portion of each tax payment is credited to a shared risk account called the balancing account.
- Your total rate is the sum of your basic rate and your solvency rate and is the rate shown on your quarterly tax report.
This total rate applies to all quarters for the following calendar year.
You will normally receive your notice of rate in mid-October for the next calendar year. Form UCT-100B is the rate notice.
Rate Schedules
The rate schedules can change from year to year depending on the overall condition of Wisconsin's Unemployment Reserve Fund.
- The cash balance in the Reserve Fund on June 30 each year determines which of the 4 statutory rate schedules is in effect for the following calendar year.
- The rate schedules is in effect for the following calendar year.
- The rate schedule differs if you are considered a small or a large employer.
Large Employer
If taxable payroll is $500,000.00 or more, the employer would be considered a large employer.
E. Lowering Your Tax Rate
Each year employers have the option of making an extra contribution, which is credited directly to their June 30 account balance and is used for the purpose of lowering their UI rate for the following year by one rate bracket on the rate schedule.
This extra payment is called a "voluntary contribution".
Voluntary Contribution
A "voluntary contribution" is a payment over and above your required quarterly contributions and directly affects the account balance used to determine your next year's rate. You may submit a voluntary contribution to obtain a lower rate for the upcoming year only from mid-October through November each year. These payments must be received by November 30.
It is not always advantageous to submit a voluntary payment as this payment might be more than the savings you realize.
To determine the dollar amount needed to lower your rate:
- Take the "reserve percentage" from your rate notice and locate that number on the rate schedule.
- Look at the minimum "reserve percentage" for the next lower tax rate on the schedule. This minimum percentage is what will be required for you to get the next lowest rate.
- Multiply the "reserve percentage" of the lower rate by your fiscal year payroll as shown on the rate notice. This figure represents the account balance needed to qualify for the lower rate.
- Subtract your actual June 30 balance on your rate notice to obtain the amount of voluntary contribution needed. To determine if you are going to realize a savings in taxes payable for next year, multiply the difference in the tax rates by the fiscal year payroll from the rate notice. If this figure is more than the amount of the voluntary contribution needed, you are realizing a savings. If not, paying at the original rate will cost you less. Remember, other circumstances such as an increase in payroll may alter your decision.
- Access your account and use the online Voluntary Contribution Calculator.
- Manually calculate using Form UCT-15393, Voluntary Contribution Worksheet.
We will be glad to help you compute your voluntary contribution and determine if you are likely to realize a savings.
- Call 608-261-6700 for help.
- See Employer Resources for more information about online access and services.
A voluntary payment once submitted is irrevocably paid. The amount of any voluntary contribution in excess of the amount necessary to lower your rate one bracket will be set up as a credit and will be refunded at your request.
F. Filing an Adjustment Report
How to File an Adjustment Report to Correct any Reporting Errors in your Account
The adjustment should include a quarterly breakdown of the changes to be made.
- Use a Form UCT-7842-E, Contribution Adjustment Report (http://dwd.wisconsin.gov/dwd/forms/ui/uct_7842_e.htm)
- Or write us a letter to correct any reporting errors in your account.
Mail adjustment forms or letters to:
Bureau of Tax & Accounting
Unemployment Insurance Division
P.O. Box 7942
Madison, WI 53707
If you have over-reported your taxable wages, you may request a refund. You must apply for it within three years after the close of the calendar year in which the payment based on the over-reported amount was made.
If the adjustment is for underreported wages, follow the same procedure in notifying the department. Submit any additional taxes due at the tax rate assigned for the year underpaid.
We will refund your overpaid taxes if you have no outstanding UI liabilities and your credit is greater than your estimated UI taxes for the next two quarters.
Refunds are not made during the tax collection months of January, April, July and October.
G. Reserve Fund Balance Statement
Form UCT-14384, Reserve Fund Balance Statement, is an informational statement showing your current account balance and is generated at the end of each period in which there has been some activity in your account. THIS IS NOT A BILL. See Example of UCT-14384.
All Reserve Fund Balance Statements can be viewed online through our secure employer portal. Starting June 2016, Reserve Fund Statements will only be mailed when there are benefit charges or benefit adjustments posted to your account.
The statement shows your balance at the beginning of the period, tax payments and various amounts credited or debited to your account, voluntary contributions credited, 10% write-offs credited, benefit charges and adjustments debited or credited, and the balance at the end of the period. Your account balance as of June 30 (including any tax payments made during July) each year is used to determine your tax rate for the next calendar year.
Contributions to the UI Reserve Fund are considered a tax and, as such, are not refundable. Contributions are split into two categories in accordance with Chapter 108.18. They are:
- Reserve Fund: An employer's quarterly tax payment posted to their account generated by the "basic" portion of the employer's tax rate.
- Solvency: An employer's quarterly tax payment posted directly to the state solvency (balancing) account generated by the "solvency" portion of the employer's tax rate.
Only the portion of your payment credited to your account balance is shown on this statement. The other parts of your payment may be applied to administrative fees, interest, penalties, or collection costs and do not show up on this statement. Both basic and solvency payments represent taxes paid and are not refundable should you go out of business. The balance in your account, along with all other experience, may be transferable under certain conditions should your business be sold (see Part 6: "Business Transfers and Taking Over a UI Account").
H. FUTA Crossmatch Program
Generally, if you are subject to Wisconsin's UI Law you will also be subject to the Federal Unemployment Tax Act (FUTA). Compliance with the federal law is established by filing U.S. Treasury Form 940, Employer's Annual Federal Unemployment (FUTA) Tax Return. Government units and statutory nonprofit organizations are exempt from taxation under FUTA.
You must file a Form 940 with the Internal Revenue Service (IRS) by January 31 of the following year. For more information on deadlines, see Employment Tax Due Dates.
Certain employers are required to make advance quarterly deposits.
The FUTA tax is 6.0% with a corresponding offset credit of 5.4% if state UI taxes have been paid timely. The net FUTA tax is 0.6%.
Certifying Wages & Taxes Listed on Form 940
Each year the federal government asks us to certify that the wages and tax payments you listed on Form 940 as having been paid to Wisconsin are correct and were paid timely.
This certification is done by a computer cross match utilizing your Federal Employer Identification Number (FEIN). To properly certify your offset credit, it is important that we have your correct FEIN on our records and that it matches the FEIN shown on your Form 940.
Important: When completing your Form 940, be sure to use your State Unemployment Account number when asked for your "State reporting number".
When discrepancies occur between state and federal reports, the IRS will send you a notice of the discrepancy and a bill for any additional tax that may be due.
Help with WI UI Taxes
If you need to request a certification of your Wisconsin UI taxes paid or have any related questions, contact us at:
- Email: firstname.lastname@example.com
- Telephone: 608-261-6700
- Deaf, hearing or speech-impaired callers may dial 7-1-1 for Wisconsin Relay Service
Help with Form 940
Contact any IRS office for more information and/or to request Form 940.
I. Payment of Taxes Via Electronic Funds Transfer
You can make your quarterly tax payments via electronic funds transfer (EFT). Various Electronic Payment Options are available.
EFT ACH DEBIT Payment Option
EFT ACH debit allows you to pay your Unemployment Insurance (UI) taxes online on the Internet by instructing the State to electronically debit your bank account for a specific payment amount on a day of your choosing. There is no cost to the taxpayer for this type of payment transaction.
In order to make EFT debit payments you must have access online to your Unemployment Insurance (UI) account. If you already are filing your Unemployment Insurance tax report online you already have access to your UI Account and can make EFT debit payments immediately.
How to Get Online Access
Request that we mail you the SUITES Portal Access Letter. The letter will come with instructions and an access code telling you how to set up access online to your UI account.
If you do not have online access to your UI account and want to make EFT debit payments please contact us:
- Unemployment Insurance at 608-261-6700, Monday through Friday, 8:00 AM - 4:00 PM
- Email us at firstname.lastname@example.com
- Request that we mail you the SUITES Portal Access Letter
Blocking Electronic Funds Transfer (EFT) payments from coming out of your bank account.
If you want to make Unemployment Insurance (UI) EFT debit payments and you have your financial institution place an EFT debit filter block on your bank account to prevent unauthorized EFT debit payments from being deducted from your bank account you need to make sure that your financial institution will allow the UI payment you make to be deducted from your bank account. Your financial institution may ask you for UI's Company Identification number and Company Name.
Company Identification Number & Company Name
The Company Identification number is 1369006449 and the Company Name is Wisconsin UI Tax. Please provide this information to your financial institution if you have debit filter block on your bank account and wish to make UI payments electronically.
EFT ACH Credit Payment Option
The ACH credit method allows you to pay your UI Taxes by instructing your financial institution to debit your account and credit the state's bank account. No authorization form or registration is required by Unemployment Insurance to start making EFT credit payments. Financial institutions may charge you a fee for making ACH credit payments. Please contact your financial institution to see if they offer this payment method.
ACH Credit payments must be initiated at least one business day prior to the tax due date to insure that they are received on time.
If you do not have an amount due for the quarter do not initiate a zero dollar payment.
Important Points to follow when making an ACH Credit Payment
- The bank routing number to send your UI payment to is 075000022.
- The bank account number to send your UI payment to is 182845580
- Make sure to have your financial institution include the 10 DIGIT UI ACCOUNT NUMBER the payment is for in the Taxpayer Identification field of the Addenda Record.
Detailed Instructions for Financial Institutions
A list of detailed instructions financial institutions must follow when making ACH Credit payments can be found at Electronic Payment Options for Employers - EFT ACH Credit Instructions for Financial Institutions.
Deaf, hearing or speech impaired callers may dial 7-1-1 for Wisconsin Relay Service.
J. Delinquent Tax Collection
If an employer has been found to owe additional taxes, fees or penalties, a written determination will be issued. This document is a legal document. The appeal period is limited. See Section 3 for appeals information.
If an employer becomes delinquent in paying any amount determined to be due under the unemployment insurance law, and does not respond to collection letters, the department is authorized to take legal actions including:
- Levy (seizure) of the employer's bank accounts, property, inventory, accounts receivable, and/or any other asset.
- Issue a civil warrant which becomes a judgment lien against real estate and other property. Like judgments, warrants are public record and may affect credit scores.
- Revoke professional or business licenses issued by Wisconsin.
K. Closing Your Account
If you no longer have employment or if you are closing your business, let us know so we can stop sending you quarterly tax and wage reports.
We will notify you if your account is eligible to be closed, and after three years, we will issue an Initial Determination that closes your account. This applies to tax employers only. Reimbursement employers accounts remain open because of the potential for benefit charges that must be repaid by the reimbursable employer.
If your account is closed, your positive or negative account balance will be transferred to the balancing account. If you go into business again, your payroll will be taxed at the new employer tax rate in effect at that time.
To obtain information on closing your UI account:
- Contact us at email: firstname.lastname@example.com
- Include your Unemployment Account Number and the last date of employment
- Complete Account Change Information Form UCT-6491
- If you have online access, under view/update account, select Update Functions > Close My UI Account
Updated: September 14, 2018
Content Contact: UI Tax


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|Photo by Mrs. Geotripper
|Fossil crinoid stems. These are rare in oceans today (they are known as sea lilies), but during the Paleozoic era, they covered the sea floor like fields of wheat, and entire rock layers are composed of their fragments.
Grand Canyon National Park has a similar range of rocks exposed in the depths of the gorge, but huge pieces of the story are missing because of episodes of erosion. Where the Grand Canyon has about 4,000 feet of Paleozoic sediments, Death Valley has more like 20,000 feet! How can 20,000 feet of sediment fit into a mountain range that rises no more than 5,000-6,000 feet above Death Valley and other grabens in the region? If you look at the photo of the Funeral Mountains below, the answer is apparent: the sediments in the mountain range have been tilted. To walk through 400 million years of Earth history, we need only to walk a few miles along the base of the mountains.
So, from a bit of wandering across a stony desert surface picking up random fossils, a story is told of massive supercontinents breaking apart and forming huge wedges of sedimentary rock that tell the story of 400 million years of evolution of life on planet Earth. In short, this is why I love teaching geology.