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Kawasaki Gt Top Speed
Kawasaki Gt Top Speed is free HD wallpaper. This wallpaper was upload at April 22, 2019 upload by admin in .You can download it in your computer by clicking resolution image in Download by size:. Don't forget to rate and comment if you interest with this wallpaper.
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** This giveaway is now closed **
We've got a nice giveaway today! Read on for details.
Stampin' Up has some fun new stamp sets to be released in June. The Spring Surprise Bundle includes the brand new "A Round Array" 6-piece stamp set and a 7/8" Scallop Circle Punch. When you purchase these two products in the bundle, for only $23.95 (USD), you are getting a 15% discount. Click here to order your set.
Giveaway Details:
Stampin' Up has kindly offered up a set of "A Round Array" (Includes the stamp set shown above, a clear acrylic block and a 7/8" scallop punch) for a giveaway to a ScrapScene reader! To enter this giveaway, please comment to this post. What do you have on your craft table right now? What are you working on? Comments will be open until Friday, April 12th, 2013. One winner will be announced on Saturday, April 13th!
I had a chance to play with a set, so I got lots of cards made this weekend. This set has such cute little sentiments! Lots of fun!

subset: commoncrawl


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JACKSON, Mississippi -- A woman who prosecutors say died from illicit silicone injections in her buttocks in 2012 hoped to become a hip-hop model, her friend testified Thursday in a depraved-heart murder trial.
The testimony came in Jackson, Miss., in the trial of Natasha Stewart of suburban Memphis, Tenn.
Stewart, an adult entertainer also known as Pebbelz Da Model, has pleaded not guilty in the death of Karima Gordon of Atlanta.
Prosecutors say Gordon paid Stewart $200 for a referral to the person who administered silicone injections to Gordon's buttocks in Jackson in 2012. She died days later.
Anglean Barber testified that she and Gordon flew to New York to meet Stewart in February 2012 and that Stewart later referred them to the injector, Tracey Lynn Garner.
Barber said she and Gordon were fans of Stewart and wanted the same kind of buttocks enhancement that Stewart had gotten.
"We wanted to be urban models in the hip-hop industry," Barber testified.
Barber said she and Gordon drove to Garner's house in Jackson on March 16, 2012, and both planned to get the injections. Barber said she was unsettled by the appearance of Garner, who was a man before having gender reassignment surgery, and decided not to get the injections. Barber said Gordon got sick soon after getting the shots.
A doctor testified Thursday that Gordon died a painful death in a Georgia hospital on March 24, 2012, of silicone embolism in her lungs.
Barber said Stewart told them falsely that Garner was a nurse. And after Gordon got sick, Barber said Stewart told her not to tell doctors about the injections.
Defense lawyer Kevin Camp said in opening statements Wednesday that Garner had given similar injections to his client more than 10 times and that Stewart didn't know they could cause serious harm.
"She's not guilty of all these charges," Camp told the jury in Hinds County Circuit Court.
The charge of depraved-heart murder, a legal term for an action that demonstrates a "callous disregard for human life" and results in death, carries a maximum penalty of life in prison. Stewart also faces charges of wire fraud, conspiracy to commit murder and conspiracy to commit wire fraud.
Garner is charged with depraved-heart murder in the deaths of Gordon and another woman, Marilyn Hale of Selma, Ala.


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text: Lodging Lodging for Patients and Families No one looks forward to a hospital stay, especially if it means traveling out of town. The information below may help with your preparations. We want you and your family to feel comfortable while in our care. If you need assistance during your stay at a Legacy hospital, feel free to contact the Nursing Supervisor. Temporary Housing Legacy provides several low-cost housing opportunities for out-of-town patients who travel to the Portland-Vancouver area for medical treatment or to be close to family who are inpatients at Legacy hospitals. Green Gables Guest House — on the Legacy Good Samaritan campus, for cancer patients and their families Ronald McDonald House -East — Provides a "home away from home" for families and their seriously ill or injured children who travel far to receive treatment at Legacy Emanuel Medical Center. Patient Lodging Program — Operated by the American Cancer Society (1-800-227-2345). Provides short term housing, Monday through Thursday night. Guests must live 60 miles or more outside of the areas. Participating hotels/motels provide free or discounted rooms for cancer patients receiving treatment at Portland hospitals. Area hotels/motels Northeast Portland (Legacy Emanuel Medical Center and Randall Children's Hospital at Legacy Emanuel) Downtown Portland (Legacy Good Samaritan Medical Center) East County (Legacy Mount Hood Medical Center) South Metro (Legacy Meridian Park Medical Center) Vancouver, WA area (Legacy Salmon Creek Medical Center)


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'''Scheduled tasks:'''
'''Scheduled tasks:'''
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* Nov (weekly) || Update [[Table of Contents]] (all translations) ([[Special:SpecialPages|special plugin]], see [https://github.com/kynikos/wiki-monkey/blob/development/src/configurations/WikiMonkey-archwikibot.user.js configuration], [https://github.com/kynikos/wiki-monkey/blob/development/src/plugins/UpdateCategoryTree.js plugin source])
* Nov
* Nov (weekly) || Fix [[Special:DoubleRedirects|double redirects]] ([[Special:SpecialPages|special plugin]], see [https://github.com/kynikos/wiki-monkey/blob/development/src/plugins/FixDoubleRedirects.js plugin source])
* (monthly) || Use HTTPS for links to archlinux.org, run on [https://wiki.archlinux.org/index.php?title=Special:LinkSearch&target=http%3A%2F%2F*.archlinux.org], [https://wiki.archlinux.org/index.php?title=Special:LinkSearch&target=http%3A%2F%2Farchlinux.org] (filter the list with {{ic|!/^User([_ ]talk)?:/i}}, use the [https://github.com/kynikos/wiki-monkey/blob/development/src/plugins/SimpleReplace.js RegExp-replace plugin]: {{ic|http:\/\/([a-z]+\.)?archlinux\.org(?!\.[a-z])}} {{ic|<nowiki>https://$1archlinux.org</nowiki>}})
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Catalog & Handbook
Catalog and Handbook
The Catalog and Handbook provides detailed information regarding the policies and procedures in place at Candler School of Theology, as well as course descriptions, degree requirements and other academic opportunities and resources. All students and cross-registrants are accountable for the information provided in the Catalog and Handbook. If you are unable to find the information you are looking for on the website, please download the Catalog and Handbook.
Published by:
Candler School of Theology
1531 Dickey Drive, Suite 534
Atlanta, GA 30322
Contact the Candler Office of the Registrar for more information:
404.727.0792 or 404.727.6480
Printed copies are available upon request from the Candler Office of the Registrar in the Rita Anne Rollins Building, Suite 534.


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COSTA MESA — If they are wise, Orange Coast College freshman quarterback Jon Newsom and Pirates first-year offensive coordinator Rudy Caamano will always remember their first community college football game in those roles.
But OCC Coach Mike Taylor and the rest of the Pirates may just as soon want to purge the entire season-opening contest from memory.
Newsom, who threw two touchdown passes Saturday, the second with 8:25 left in regulation to help OCC tie visiting Moorpark in a game that eventually went to overtime, threw his third interception on the first play of OCC's initial overtime possession.
Raiders cornerback Victor Fermin covered two-thirds the width of the field to pick off Newsom's only overtime throw — a floating spiral lofted late across the middle as he rolled toward the right sideline — in the end zone to seal a 23-20 triumph for the Ventura County school.
After the OCC defense, which amassed eight sacks and limited the Raiders on the scoreboard, despite their 85 offensive plays, held the visitors to a field goal on the opening possession of overtime, Newsom — and it would follow, Caamano — elected to go for it all.
It was the same risk-reward reflex that produced both OCC's offensive touchdowns. But it also helped lead to four OCC interceptions and one incomplete third-down bomb on OCC's second-to-last possession of regulation that prompted a punt, rather than perhaps a chance at a long field-goal try by sophomore kicker Jackson Dionne, who had booted field goals of 53, 51 and 48 yards in 2011.
On third-and-seven from the Moorpark 37-yard line, when just four yards would have put Dionne in range for a 50-yard attempt, Newsom threw into the end zone with no reward. OCC punted on the next play and barely got past midfield on its final possession of regulation.
"We need to know where we are on the field," Taylor said when asked about the aforementioned third-down bomb, "because we have a kicker who can kick field goals."
Newsom and freshman backup Cameron Biedgoly, whose only throw was intercepted late in the first half, combined for four completions and three interceptions before halftime.
Still, OCC was within 17-13, as Newsom found Cam Oliver for a 28-yard touchdown pass to cap a nine-play, 68-yard drive with 4:18 left in the first quarter that was one of five first-half lead changes.
After Derek Kirk booted the second of his three field goals to put the Raiders up, 10-6 early in the second quarter, OCC sophomore Clay Guess returned the ensuing kickoff 95 yards for a touchdown.
OCC's final two possessions of the second quarter ended on interceptions and its first four of the second half produced half of its eight punts.
But after a fair catch at midfield, OCC used just six plays to erase a 20-13 deficit, as freshman Bryan Keller plucked a fluttering Newsom deep ball over a defender for a 36-yard scoring play.
Dionne, who missed the first PAT — a play Taylor later lamented, due to the absence of sophomore holder Mike Frank, who quit the team earlier in the week — connected this time to knot the score. Dionne did not miss in 27 PAT attempts as a freshman.
OCC's defense kept Moorpark's offense in knots, particularly in the second half, when it registered five sacks and produced negative yardage on seven other Moorpark running plays.
Sophomore end Vince Coleman (13 tackles) had two sacks, while sophomore outside linebacker Austin Bennett (12 tackles) and freshman end Robert Madrigal were in on 1.5 sacks each to lead a relentless OCC pass rush.
Ends David Martinez and Joe Franco, tackle Talon Sudbeck and nickleback Shane Bauman also took down Moorpark quarterback Ben Conlin in the pocket, helping keep OCC in the game.
Linebackers Nick Cody (13 tackles) and Chris Aguilar (12) also flourished, while safety Kellon Truxton intercepted a pass in the end zone on the final play of the first half.
But in addition to their passing struggles, the Pirates, who led the state in rushing last season with All-American tailback Domenic Betts (now academically ineligible), managed just 66 yards on 32 rushing attempts, including 11 plays stopped at or behind the line of scrimmage.
"I thought [Newsom] did some good things, but he made some bad choices," Taylor said. "It's a new speed for him. He needs to look at what he did and improve on it."
Moorpark tailbacks Jordan Nunnery and Jonathan Williams combined for 167 rushing yards on 46 attempts, though only two of those went for more than 10 yards.
Twitter: @BarryFaulkner5
Moorpark 23, Orange Coast 20 (OT)
Moorpark 3 – 14 – 3 – 0 – 3 — 23
Moor – Kirk 25 FG, 7:08.
OCC – Oliver 28 pass from Newsom (kick failed), 4:18.
Moor – Williams 1 run (Kirk kick), 13:35.
OCC – Guess 95 kickoff return (Dionne kick), 13:23.
Moor – Stevens 15 pass from Conlin (Kirk kick), 7:45.
Moor – Kirk 48 FG, 6:52.
OCC – Keller 36 pass from Newsom (Dionne kick), 8:25.
Moor – Kirk 24 FG.
Moor – Nunnery, 29-111.
OCC – Penny, 12-38.
Moor – Conlin, 17-28-1, 172 , 1 TD.
OCC – Newsom, 12-29-3, 152, 2 TDs.
Moor – Stevens, 5-54, 1 TD.
OCC – Oliver, 3-49, 1 TD.


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PROBOTIX™ builds precision CNC Router systems for your prototyping, production, industrial, or advanced hobby/home use. While we love our hobby CNC Router users, we outfit mostly small business and start-ups. We also equip successful and established businesses looking to capitalize on modern, affordable CNC processes. Companies with unique or custom cut products and businesses who do not have the square footage for a full size machine find the perfect fit with a PROBOTIX™ CNC router. Or perhaps they want several small machines running multiple parts at the same time in the same space as a full sized machine. Most PROBOTIX™ machine owners end up with two, three (or even more) of our CNC routers because of their precision, reliability, scalability, and ease of use.
We have people using our machines to make wooden bow-ties, duck calls, custom furniture, pickle-ball paddles, speaker cabinets, quad-copter parts, printed circuit boards, custom guitars, gun holsters, skateboards, pool cues, cabinets, signs, and on and on and on. Our machines are used to make molds and fixtures, as well as complete finished products. We can help tailor a solution to fit your manufacturing needs.
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We have sold machines and control systems to Intel, Microsoft, Apple, Sun Microsystems, Cornell University, MIT, Harvard, Johns Hopkins, Carnegie Melon, U of I, Auburn University, Georgia Tech, Penn State, Rose-Hulman, LSU, UCLA, UC San Diego, UC Irvine, UC Santa Cruz, Minnesota State, Michigan State, University of Texas, USC, Embry Riddle, Los Alamos National Laboratory, Stratasys, 3M, Dow, Siemens, Microsoft, Cafe Press, Hurley, ALPS, Asurion, US Navy, US Army, NIST, NASA, Disney, Wrigley, Akamai, Ovation Guitars, Honeywell, General Electric, Northrup Grumman , Lockheed Martin, SpaceX, Boeing, Caterpillar, John Deere, and many, many more.
It blows ours minds the amount of creativity that is coming out of America right now. The recent "Great Recession" will go down in history, simile to the "Great Depression" in that the PEOPLE of the USA pulled themselves up from it......and came out on the other side, STRONGER.
Buy American. Buy PROBOTIX


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Get in touch with your inner animal with this ultra sexy fox tail glass anal plug from Frisky. The borosilicate glass features a shiny, elegant orange finish.
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text:
Elder Fraud - Leader's Guide
According to AARP, older people who fall for scams tend to believe the pitches they hear. Many believe they have a good chance of actually winning a prize or that the products they see advertised are worth the price. This manual is written in question and answer format to allow you to quickly find the answers to questions about the myriad scams that target seniors.
Publication Series
- This publication is part of the Elder Fraud training module.
Download File
PDF files may contain outdated links.
Elder Fraud - Leader's Guide
File Name: 2013_ElderFraud_LG.pdf
File Size: 0.26MB
Languages Available
Table of Contents
Elder Fraud
Some older Americans seem especially susceptible to fraudulent offers. According to AARP, older people who fall for scams tend to believe the pitches they hear. Many believe they have a good chance of actually winning a prize or that the products they see advertised are worth the price. Despite wide awareness of consumer fraud, some seniors have difficulty spotting fraud when it happens to them. Older victims find it difficult to end unwanted telemarketing calls and they often are reluctant to seek advice about financial matters.
Why do crooks so often target seniors?
Criminals deliberately target seniors because of generalizations about older people. Some of these include:
- Many seniors have valuable assets, including homes, proceeds from sales of appreciated assets and retirement savings.
- Seniors may be concerned about running out of money in retirement and more open to promises of quick profits.
- Older people often have trouble remembering things or suffer from mental confusion, making them easier to dupe.
- Seniors may be isolated socially and desire attention, even from strangers, making them more vulnerable to undue influence and exploitation.
- Seniors have traditional values and often respond politely when faced with unsolicited proposals or charitable requests.
- Sometimes older people avoid reporting that they've been scammed because they fear they will lose their independence.
What are some warning signs of fraud?
Be suspicious of statements like these:
- You've won a prize or free gift.
- You've been selected to receive a special offer.
- You must act immediately or lose out on a great deal.
- You must pay for shipping your prize or free gift.
- You're promised fantastic, unrealistic financial returns or risk-free investing.
- You're told that there's a secret legal loophole that will allow you to profit.
- You're asked for your credit card number and expiration date to verify that you are a credit cardholder.
- You're asked for your Social Security number. (Only your bank and certain government agencies, such as the Internal Revenue Service or Medicare, have the right to ask for your Social Security number.)
- You're asked for your bank account or credit card number by individuals and companies unfamiliar to you.
- You're asked to donate to an agency whose name sounds like a well-known charity—such as the "American Cancer Center" (instead of the American Cancer Society).
- You're told that you are one of just a few special people to receive this offer.
- You are pressured to allow the caller to send a courier to your home to get your payment.
- You're told that you have purchased the caller's product or service in the past but you don't remember doing so.
How can I protect my assets?
- Never reveal your bank account numbers or other personal information to someone who calls you on the phone.
- Never allow strangers to come into your home and take information about you and your assets.
- Never assume that a stranger who says he represents a deserving organization will use the money you give him for a good purpose.
- Never assign power of attorney to people you don't know very well.
- Never sign contracts that have blank lines in them. Someone may later add clauses that will harm you.
- Never arrange for a home loan until you have had a knowledgeable third party review the contract. A disreputable lender could steal your home.
Computer Scams
I received an e-mail from a bank I used to do business with, asking me to update my records. Could this be one of the fraudulent "phishing" e-mails I have heard about?
There is a good chance that you received a fraudulent e-mail—be alert for these fraudulent e-mails sent by crooks, not the company whose name they are using. Phishing is a term used for e-mails that claim to be from your bank, a reputable business or a government agency. Often these e-mails seem quite legitimate. But people who have responded to such e-mails have had their accounts wiped out. The crooks that send these e-mails hope to entrap people who do business with the companies named in the message.
Usually, the e-mails ask you to "confirm" your account number and online password. Sometimes they warn that your account is in danger of being closed or that you may be a fraud victim. Legitimate companies never send e-mails asking for account information. If you receive such an e-mail bearing the name of your bank, call your bank to report it. Never, ever hit "reply." Delete the message immediately.
I received an e-mail from a man in Lagos making me a business proposition. He would give me 1% of $1 million if I was willing to keep it in my bank account so that his government can't find it. I deleted the e-mail—do you think I should have accepted?
No—you were right to be suspicious and delete the e-mail. Never respond to an unsolicited e-mail asking for your bank account number. This is a "Nigerian letter" scam, an old con game that used to arrive by letter bearing a Nigerian stamp. Now it comes by e-mail. The sender outlines a tale involving large amounts of money they can't access and asks you provide your bank account number so that you can help them obtain the money. In return they promise you a cut. This is a total fraud. If you respond to it, you are guaranteed to lose your money.
I got an e-mail notifying me, "You have won the Canadian lottery. Just give us your bank account or credit card information and we'll send you the money." Is this for real?
No! Many people have received such e-mails and calls: All of them are bogus. Typically, you are told that you must pay for processing, taxes or delivery, or provide bank account information in order to "verify" your identity. You will never receive a penny if you respond to such calls or e-mails, and any money you send will be lost to you forever. The odds of winning a lottery or a sweepstakes, even legitimate ones, are very low.
What is a "sucker list?"
If you often respond to sweepstakes and contests, your name might be added to "sucker lists" sold to con artists. You may even hear from con artists who say they can help you recover your losses for a fee. That is all a lie.
My daughter told me not to respond to prize promotions and sweepstakes that come by telemarketing or direct mail. She even said I should not fill out prize forms at the mall. Do you agree?
Yes, your daughter is correct. Fraudulent sweepstakes promoters target many older people. Some are out-and-out scams (see above) while others use prize forms just to collect information about people so they can be targeted with phone and mail offers.
Sales Scams
How does the telemarketing sales rule protect consumers?
Under the federal Telemarketing Sales Rule:
- Phone solicitations are prohibited between 9 p.m. and 8 a.m.
- Telemarketers must tell you up front that they are selling something—and which company is doing the selling.
- All mentions of promotions, prizes or contests must be accompanied by the statement that no purchase is necessary to enter or win.
- Telemarketers who are selling a credit service, such as a credit card, loan or credit repair service, cannot ask for advance payment.
- Telemarketers may not use abusive or obscene language, threats or intimidation.
- Goods or services cannot be misrepresented or exaggerated.
- It is illegal for a telemarketer to withdraw a payment from your checking account without your written or recorded oral permission.
I got an offer to go to the Caribbean for only $250 for five days. I'd love to respond, but something tells me it's a fraud. When I called for information, the salesman really pressured me to send the money. How can I be sure it's legitimate?
You can spot a fraudulent travel offer by its rock-bottom price and high-pressure sales tactics. Fraudulent travel offers come by mail, phone, fax and e-mail. Some advertise cheap trips but pad the deal with hefty fees. You might be offered a three-star hotel but find yourself checking into a dump. A lot of travel freebies come with the obligation to sit through high-pressure timeshare pitches. Some promoters are crooks who take your money and run. And very few of the trips are refundable, despite the claims of the promoters.
Before buying travel packages, get the offer in writing and check out the company with the Better Business Bureau, state attorney general's office or your local consumer protection agency. Airline charter packages can't be legally sold until the U.S. Department of Transportation approves the filing—so call and confirm with the DOT's customer service center (202-366-4000) that the charter you're being sold is legitimate. Always use a credit card to purchase travel—that way if something goes wrong you can dispute the charge with your card company. (Never give your credit card number to someone who calls you on the phone.)
Someone from my local firefighters' organization called to ask me to make a donation. I asked how much of my donation would go to the firefighters and the man became irate. If my home catches fire, will the department fail to respond?
No—your fire department will respond should you need it. You were wise to ask about the contribution—some solicitations on behalf of police and firefighter organizations and other charities are made by dishonest professional fundraising firms. They can be persistent and may imply that if you don't donate, your safety will be jeopardized. Sometimes callers falsely state or imply that they are policemen. If you want to support local safety agencies, call your local police and fire departments and ask how to make a donation directly to them.
How can I check out charities before I give money?
Check with a charity watchdog organization such as CharityWatch (www.charitywatch.org; 773-529-2300). Some bogus charities ask for donations to groups whose names sound very similar to reputable charities, so don't be fooled by "sound-alike" names. Even if the telemarketers are acting on behalf of legitimate charities, too often only a small percentage of the donation actually goes to the cause.
Why do charities hire professional fundraisers?
Some charities find it cost-efficient to pay professional fundraisers to handle mailings and telephone drives rather than use staff or volunteers. These professionals are in business to make money and are entitled to keep part of the money they collect. It is okay to ask callers if they work for paid fundraisers and what percentage of your donation the fundraiser earns. You can always send a donation directly to the charity.
After the tsunami hit Southeast Asia, I got several calls from charities asking for donations on behalf of victims. I gave $100 but I never received a confirmation or a thank-you letter—do you think I got ripped off?
Not necessarily. But it's wise to be wary of appeals that follow current events. These are times when many fraudulent appeals are made that attempt to tug at people's heartstrings or take advantage of their patriotism.
Non-profit and charitable organizations are required to file a Form 990 each year with the Internal Revenue Service. This form shows how the organization is spending its money. The public can access the filings on the GuideStar website (www.guidestar.org).
I live on a limited income. How can I find legitimate work-at-home opportunities?
If you are interested in earning extra income, approach local senior organizations and companies for information about available positions and job training programs. While some companies shy away from hiring retirees, others make a point of hiring seniors because of their experience and scheduling flexibility. Don't fall for offers to work at home stuffing envelopes or doing other simple tasks—they are scams. If you respond, you'll be asked to pay in advance for supplies or "training materials." These offers are completely bogus. You will never make any money from a work-at-home scheme.
Real Estate Fraud
I read about cheap building lots in Florida. Should I buy one so I can retire in a sunny place?
Don't waste your money. Land that can be built upon is rarely cheap. Many seniors are bilked as they look for a warm and sunny retirement home—don't be one of them. If you are interested in buying land—not an alligator ridden swamp—contact a national real estate firm and speak with a licensed broker. Such firms also allow you to search listings on their websites. The Consumer Financial Protection Bureau (CFPB) has jurisdiction over interstate land sales. Before you purchase land, contact the department of real estate in the state where the land is located, as well as the CFPB (www.consumerfinance.gov; 855-411-2372 (TTY: 855-729-2372).
A contractor knocked on my door uninvited and told me I had better get my chimney fixed before it falls down. Is this a good idea?
No, this has all the signs of contractor fraud. Traveling contractors offer home improvement deals like driveway sealing, roof coating, and exterior painting. They are rarely licensed or insured and often take a large cash payment up front and never return to complete the work. Most reputable contractors do not solicit door-to-door. When you need a contractor for a home improvement job, get at least three estimates from reputable local contractors. Ask family, friends or neighbors for recommendations and contact the Better Business Bureau to check them out before hiring. Never pay more than one-third of the cost of any job up front.
How can I avoid being taken by a home repair contractor?
Work only with licensed and insured contractors. Call your state contractors licensing board to verify that the company is licensed, and ask the contractor to provide proof of insurance. Check customer references. Get other bids for the work. Always keep a copy of the contract in a place you will easily find it.
A contractor working for me tried to get me to pay a bill twice. When I called him on it he backed down and apologized. I wonder if he did it on purpose?
Maybe. Seniors are often targeted by unscrupulous service people or contractors who seek more money than they are owed by using double billing and other tricks. They may lie and say that you forgot to pay them when you know that you paid them in full, or they may charge you for work that you never authorized. Always get written estimates of repair costs, make notes of what you've paid and ask for and keep receipts. Pay by check or credit card so you have a record of your payment. Check the reputation of repair people with the Better Business Bureau before you enter into an agreement.
What is home equity loan fraud?
Any attempt to steal the equity in someone's home is home equity loan fraud. Swindlers have gotten quite creative about ways to do this. Here are just some of the ways homeowners have been defrauded:
- Repairs: Door-to-door salespeople offer "easy financing" for home improvements and repairs, often working in cahoots with unscrupulous lenders. The work they recommend may not be needed at all and often they do a very shoddy or incomplete job. The loans they arrange are secured by your home and often carry very high interest rates and other costs.
- Refinancing scams: Homeowners are solicited by brokers to refinance their existing mortgages, replacing them with loans that the homeowners cannot afford. The broker makes money off commissions, upfront fees and closing costs, and may convince homeowners to borrow more money than they need and to roll the closing costs into the loan, resulting in defaults when the homeowners cannot meet the monthly payments.
- Deed forgeries: Scam artists forge the homeowner's signature on a transfer deed so that they can transfer ownership of a property. Much of the information that swindlers need to fill out the form is available through public records. Using the phony grant deed, crooks can go to a bank and borrow against the equity in the home before the real owners even realize they were defrauded.
- Fly-by-night lenders: Phony lenders set up offices in low-income and minority neighborhoods, get homeowners' signatures on loan documents and then disappear with the loan money. To make the situation even worse, the loans may be resold to another lender who then forecloses on the homes.
Why are seniors so often the target of home equity loan swindlers?
Many seniors have paid off their mortgages and own their homes free and clear. Often, senior homeowners are widows who never had much to do with the family's finances, and who are unsophisticated in dealing with complex issues of credit. Sometimes, seniors are easy targets for scams because they were raised in an earlier time when people were more trusting of each other. And sometimes seniors are lonely and therefore open to abuse by caregivers and younger family members.
Should I be cautious about buying a timeshare property?
Yes—timeshare properties can be riskier than buying property outright. When you buy a timeshare, you are buying the right to use a hotel room, suite or apartment for a short time every year. All timeshares require that you pay annual dues, which can be quite expensive. When you no longer wish to use your timeshare, it can be virtually impossible to sell, as timeshare purchases rarely appreciate in value. There have also been cases of timeshare frauds that cheat people out of their life savings. A Massachusetts court ordered a former timeshare operator to pay $1.3 million in restitution and fees for using unfair and deceptive tactics to convince elderly consumers to buy timeshares that they later discovered they did not own. If you are interested in buying a timeshare property, check out the seller with your state department of real estate. Always ask in advance for a copy of the offering statement and review it with a qualified real estate attorney.
Investment Fraud
Why are investment frauds successful?
Everyone would like to see his or her money grow faster. Con artists know this, and they try to convince people to buy phony investments with promises of unusually high returns.
How can I protect myself against investment fraud?
Do your homework. Learn how much you can expect to earn in the current market. Learn how much you can realistically expect to earn in the current market. It's better to lose out on an opportunity than to lose your life savings to a crooked investment offer. If you are targeted with questionable investment offers, notify the U.S. Securities and Exchange Commission (SEC) and call your state attorney general's office to file a complaint.
How can I check out the legitimacy of investments?
Federal securities laws require many public companies to register with the SEC and file reports containing audited financial statements. Before you invest in a company, check to see whether it's registered with the SEC and read its reports.
Check with your state securities regulator to see if it has information about the company. It can also tell you if the offering has been cleared for sale in your state. If a broker recommends the stock, ask the state office to check the Central Registration Depository (CRD) to see if there is any history of disciplinary actions against the broker. You can find your state securities department in the government pages of your phone directory or on the North American Securities Administrators Association website (www.nasaa.org).
The Financial Industry Regulatory Authority (FINRA), a self-regulatory organization governing stockbrokers, may be able to give you a partial disciplinary history on a broker or firm. Call 800-289-9999 or visit the FINRA website, click on Investors, and then Protect Yourself. Or do a search of the FINRA site for BrokerCheck.
What is a pyramid scheme?
This is a type of investment fraud in which the promoters recruit investors and then use them to recruit more investors. Everyone is promised a fabulous return on his or her money, such as 20% a year. The crooks use the money they receive from newer investors to make a few payments on the accounts of the first investors. Those investors in turn help to recruit an ever-increasing number of investors. The real profit is earned not by a business activity or product sales, but by the money coming in from investors. Eventually, the organizers run off with the cash. Pyramid schemes are often sold as "investment clubs" or "gifting circles," and can involve the sale of products or distributorships.
How can I protect myself from a pyramid scheme?
The higher the return on an investment, the riskier it is. When an investment opportunity offers a very high yield, quick returns or the chance to "get in on the ground floor," it's likely to be a scam. If you are targeted with questionable investment offers, notify the U.S. Securities and Exchange Commission and call your state attorney general's office to file a complaint.
Credit and Bank Fraud
What is ID theft?
"Identity theft" is a financial crime that happens when criminals use your personal information, such as your name, address, Social Security number, bank account number, credit card number or birth date, to apply for credit in your name. Using your credit, thieves buy expensive things like jewelry, electronics and cars, and don't pay for them. By the time victims learn what has happened, bill collectors may be pursuing them and their credit may be badly damaged.
How often do seniors become victims of ID theft?
According to data released by the Federal Trade Commission, people 50 and older accounted for 36% of all ID theft complaints received by the Consumer Sentinel Network (CSN) during 2012. The CSN is an online database of millions of consumer complaints available only to law enforcement.
What should I do if I become an ID theft victim?
Close all fraudulent and unauthorized accounts. Contact the fraud departments of each of the three major credit bureaus. Fraud department numbers at the major credit reporting bureaus are: Equifax, 800-525-6285; Experian, 888-397-3742; TransUnion, 800-680-7289.
What are some red flags of identity theft?
The Identity Theft Assistance Center (www.identitytheftassistance.org), a cooperative initiative of the financial services industry that provides a free victim assistance service for customers of its member companies, provides these warning signs that have been reported by victims:
- You receive bills for a credit account you did not open.
- You see unauthorized charges on your credit, long distance or bank accounts.
- You are contacted by a collection agency regarding a debt you did not incur.
- Checks disappear from your checkbook.
- Bank and credit billing statements don't arrive on time.
- You are turned down for a credit card, loan, mortgage or other form of credit due to unauthorized debts on your credit report.
How can I protect myself against ID theft?
Two easy things you can do are to shred sensitive documents and check your credit reports at least once per year. Shred paperwork that contains your name, address or Social Security number, as well as financial records with credit or bank account numbers, balances or other information that could be used to commit fraud. By monitoring your credit report, you can make sure no one else has been using your credit. Order free copies of your reports each year online at www.annualcreditreport.com or by calling 877-322-8228.
Am I liable for any money that's lost because of ID theft?
No, victims of identity theft are not legally responsible for any money that is lost when crooks make unauthorized use of their credit information—but it can be difficult and time-consuming for victims to prove that fraud occurred.
Is there a central source of help for victims of ID theft?
Yes. The Federal Trade Commission has a special identity theft hotline to provide information to consumers and take complaints from victims by phone (877-438-4338) or online (www.ftc.gov/idtheft). Victims are given advice and their cases are entered in a national ID theft database shared by law enforcement agencies at the local, state and federal levels.
Can I get my credit report for free?
Yes. By federal law, each of the major nationwide consumer reporting companies must provide you with a free copy of your credit report once every 12 months. (Go online to www.annualcreditreport.com or call 877-322-8228.)
What is credit card fraud?
The term credit card fraud includes many kinds of illegal activities involving credit cards. Most credit card crime involves lost or stolen cards. Thieves can get your credit cards by stealing your wallet or burglarizing your home. Crooks also pay store employees for customers' card numbers and create counterfeit cards to resell on the black market. Crooks may steal cards from mailboxes or mail centers before you receive them. As a protection, most card issuers now require that you call from your home phone to activate the card before you use it.
How can I protect myself against credit card fraud?
Keep an eye on your credit card at all times, even when you hand it to a waiter to pay for a meal. Devices known as "skimmers" allow unscrupulous employees to steal the information from your credit card and sell it to people who make counterfeit cards. Crooks look in garbage cans and elsewhere for discarded credit card statements and receipts to obtain the card numbers. So, before you throw away unwanted credit card statements, shred them so that thieves won't get your account numbers and use them to make unauthorized purchases. Always review your bill when it arrives and call your credit card issuer if you see any charges you didn't authorize.
A caller offered me a credit card, even though I have bad credit, if I pay a fee. Is this for real?
Stay away! This has the earmark of an illegal "advance loan fee scam." Consumers with poor credit records receive sales calls that refer to purported prior applications for credit. The victims are told that they are guaranteed to receive a credit card if they pay $100-$300 by allowing a debit from their bank accounts. There is no card—and often the scam artists also charge the victims for dubious products with recurring monthly charges of $50-$100, without additional authorization. When consumers try to cancel the deal and prevent further debits, they reach "customer service," where they are entrapped even further in bogus deals.
I put an ad in the paper to sell a motorcycle. A buyer offered to pay me with a cashier's check for more than the motorcycle was worth if I sent him the extra money. What's up?
This is a bogus check scam. Crooks often scan want ads looking for victims. They answer ads and offer to pay using a "cashier's check" for an amount greater than the sales price. Then you are asked to wire the remainder of the money back to them or to give the extra money and the merchandise to a "shipper." The check turns out to be a fake and you lose the merchandise and the money. Be suspicious if someone wants to give you a check for more than you are actually owed if they are purchasing something from you. Inspect all cashier's checks carefully and call or visit the bank it's drawn on to verify that the check is valid. Look up the bank online or in the phone book because contact information printed on the check might be bogus.
A caller asked me to buy "credit card loss protection." Do I need this?
Don't buy the worthless credit card loss protection and insurance programs sold by telemarketers. Your liability for unauthorized credit card charges is limited to $50. Call your credit card company for instructions on how to dispute charges you haven't authorized.
Caretaker Crimes
I heard that home-based health aides, housekeepers and cooks sometimes steal from the older people they are serving. How can I avoid this?
Always check the background and references of people you hire to work in your home. Watch your caretakers for signs they may be spending more freely—do they suddenly have expensive new jewelry or possessions? If you give a caregiver money to go to the store for you, make sure you get a receipt and check all items purchased. Keep all important financial documents under lock and key in your home and store valuables and irreplaceable items in a bank safety deposit box. Be alert to caregivers who try to isolate you from your friends, who ask about your will or investments or who try to dominate or influence you. If you are concerned, talk to a family member or call the police and adult protective services.
What is financial exploitation?
Financial exploitation is a crime. It is often committed by a person who is trusted by the victim, such as a family member, caregiver, financial advisor, or a person acting under the terms of a power of attorney. Some seniors voluntarily turn their personal finances over to a family caregiver with the hope of avoiding probate court. This has resulted in crimes including theft, mismanagement of money or the sale of property without consent.
Health Care
How can I avoid fraudulent Medicare drug plans?
Remember that Medicare prescription drug coverage (Part D) is available to everyone with Medicare. Call 800-MEDICARE (800-633-4227) to check on plans before you sign up.
To get Medicare drug coverage, you must join a Medicare drug plan. Plans vary in cost and drugs covered. Medicare prohibits companies offering its approved drug cards from calling you, sending e-mails or coming to your home unless you ask them.
Where can I find accurate, up-to-date information on Medicare programs?
If you are interested in the benefits available to you as a Medicare beneficiary, visit the federal government's Medicare website (www.medicare.gov). You also can call 800-MEDICARE (800-633-4227).
What are some signs of health fraud?
Signs of health fraud include:
- Promoters of cures who claim that the medical establishment is conspiring to keep information away from consumers. Legitimate doctors don't keep proven cures and treatments away from patients who would benefit from them.
- Testimonials from people who supposedly have been cured. These are usually made up by the promoter.
- Easy ways to lose weight or get in shape. No "quick fix" exists to lose weight or get in shape; you have to eat less and exercise more.
- "Secret formulas." If a drug or treatment has been proven effective for certain diseases, it is widely available to the public, not to just a select few.
- The use of "infomercials"—TV programs that look like news, but are just lengthy ads paid for by the promoter.
Estate Planning
What is a living trust scam?
Sometimes crooks take good ideas, like living trusts, and use them as the basis to cheat people. Living trusts are legal arrangements that can help you plan your estate to save taxes for you and your heirs. Living trusts are not appropriate for everyone, so you need to explore the concept with a lawyer, tax advisor or estate planning professional to see if one is right for you. Before accepting legal advice or entering into binding agreements, check with your state's bar association about the person you are dealing with. Never buy legal services from door-to-door salespeople or telemarketers.
Should I have a living trust?
Although living trusts are a legitimate estate planning tool, they often do not make sense for consumers with low incomes and small estates. Living trusts usually are beneficial only if your estate's assets are greater than the minimum limit for probate in your state. (These are called "small estate" limits and vary by state.) There have been cases of scammers that made hundreds of thousands of dollars by tricking seniors into using their assets to buy estate planning products that often made no financial sense for the victims but that earned the con artists substantial commissions and other income. The con artists deceived seniors into using their hard-earned retirement nest eggs to buy unneeded annuities that actually undermined their financial security.
I've heard that I have to be careful about burial and funeral fraud. How could I lose money when arranging these services?
A funeral can cost $10,000 or more. This expensive purchase is often made at an emotionally stressful time. In hopes of sparing survivors the stress of dealing with funeral and burial details, many people arrange and pay for their funeral and burial while they are still alive. Funeral providers sometimes charge top dollar for ordinary caskets, flowers and other products. In some instances they demand more money from survivors.
Why do experts advise against paying for funeral and burials in advance?
Be cautious and do your homework before paying for funeral and burial services in advance. Some "pre-need" funeral providers market products and services that consumers don't want and don't need and include vague terms and conditions in their contracts. There have also been well publicized cases in which funeral providers mismanaged and even embezzled the money that was paid in advance for funeral services. In addition, some families of deceased persons have complained to authorities that funeral businesses failed to provide the quality of burial services that was agreed on in the contracts. Check the company's reputation with the Better Business Bureau before entering into a contract.
Why shouldn't I pay for my funeral and burial in advance?
Some "pre-need" funeral providers market products and services that consumers don't want and don't need and include vague terms and conditions in contracts. There have also been well publicized cases in which funeral providers mismanaged and even embezzled the money that was paid in advance for funeral services. Survivors have reported that funeral businesses failed to provide the quality of burial services stipulated in the agreement. With all the reported problems in the "pre-need" funeral industry, it is a better choice to simply plan your funeral in advance and keep the funds under your control while you are alive.
How to Complain
Should I call the police if I have been victimized by a scam artist?
Yes. Fraud is a crime and should be reported to the police. You may need a police report to help you prove that you were a victim. You should also report the fraud to state and local law enforcement
agencies such as your district attorney's office or the state attorney general.
How can I find the state agencies that work on behalf of victims of elder fraud?
Start with a call to adult protective services. To find your closest agency, call the Eldercare Locator at 800-677-1116. For a guide to all state adult protective services agencies, visit the National Center on Elder Abuse site (www.ncea.aoa.gov) and click on the "Stop Abuse" tab in the bar towards the top of the page.
What are some important federal agencies in combating fraud?
- Federal Bureau of Investigation (FBI) (www.fbi.gov): Has enforcement jurisdiction over many areas of U.S. criminal law.
- Federal Trade Commission (FTC) (www.ftc.gov): Protects consumers from unfair, deceptive and fraudulent business practices.
- Financial Crimes Enforcement Network (FinCEN) (www.fincen.gov): Combats money laundering and related frauds, including offshore activity.
- Postal Inspection Service (http://postalinspectors.uspis.gov): Investigates mail fraud.
- Securities and Exchange Commission (SEC) (www.sec.gov): Investigates and prosecutes securities fraud.
- Secret Service (www.secretservice.gov): Investigates financial fraud.
Eldercare resources and news and tips on scams that affect seniors.
Better Business Bureau (BBB)
www.bbb.org; 800-955-5100.
Visit the BBB site to find your local BBB agency, read extensive scam listings and check out charities before you give.
National Do Not Call Registry
www.donotcall.gov; 888-382-1222
The National Do Not Call Registry allows you to block telemarketing calls.
National Fraud Information Center
Tips and articles to help you recognize fraud, and an online form to file a complaint.
National Center on Elder Abuse
www.ncea.aoa.gov; Eldercare Locator: 800-677-1116
The U.S. Administration on Aging funds this gateway site to resources on elder abuse, neglect and exploitation.
Securities and Exchange Commission (SEC)
www.sec.gov, 800-SEC-0330
You can file a complaint or provide tips on potential securities law violations using the SEC website. If you receive unsolicited e-mails on investments, forward them to the SEC at [email protected]
Published / Reviewed Date
Reviewed: July 15, 2013
Download File
Elder Fraud - Leader's Guide
File Name: 2013_ElderFraud_LG.pdf
File Size: 0.26MB
Capital One
This brochure was created by Consumer Action in partnership with Capital One Services, Inc.
Filed Under
Fraud/Scams ♦ ID Theft ♦
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Their bio is EPIC
Pam being EPIC in her bio:What famous person reminds you of yourself? Tina Fey because shes awesome without even trying.What famous person reminds you of your teammate? Kristen Wiig because shes almost as funny as Tina Fey.What scares you most about traveling? Bathrooms.Biggest challenge you and your teammate will face on The Race together: When were both irritated we get snappy and talk over each other. Occasionally it turns into hand to hand combat. I usually win.Pet peeve about your teammate: She doesnt like to share her food. She acts like shell never eat again if I take a few bites. I may starve to death on the Race if she doesnt learn to share.What country and place would you most like to visit and why? Antarctica, because Ive heard its absolutely mesmerizing.What do you hope to accomplish by running The Race (other than winning one million bucks)? Id like to have one of those enlightening moments when the meaning of life and all the worlds secrets are bestowed upon me. Id also like to see Winnie cry... just to make sure shes human. Ive seen her cry twice and each time it was a single tear running down her cheek.Winnie being EPIC in her bio:What is the accomplishment you are most proud of? Being able to stay friends with crazy Pam for 10 years and not have physically harmed her. What famous person reminds you of your teammate? Lou Ferrigno Pam turns into scary Hulk when shes mad.What scares you most about traveling? Gross bathrooms terrify me.Biggest challenge you and your teammate will face on The Race together: Pam has a strong LA accent. Hopefully, she learns to speak proper English by the end of the Race.Pet peeve about your teammate: She starts too many fights with big people. She really is disillusioned about her size.What do you hope to accomplish by running The Race (other than winning one million bucks)? I hope to acquire even more skills that make me more badass.
Favorite hobbies: Hiking with my dogs, eating chocolate and shopping.
This team is reminding me of Maria & Tiffany, only with a lot more personality!
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Britney Spears' Former Brother-in-Law Files Restraining Order
Oh, those Federlines!
Christopher Federline, the brother of Britney Spears' ex-husband and baby daddy Kevin Federline, filed a strange restraining order against the 'X Factor' judge a week prior to Christmas. Can't Brit catch a break, even during the holiday season?
C. Fed claims that Brit Brit not only stole his Capitol One credit card, but that she was planning to go public with the fact that her firstborn son Sean Preston was actually fathered by him, not his brother K. Fed.
Yeah, because Brit doesn't have her own credit cards to use and because Brit is the type to fake paternity. Puh-leez.
Federline says the singer snatched his credit card off her ex-husband's coffee table and racked up nearly $5,000 in charges, including purchases like vintage comic books.
Yeah, because Brit Brit looks the comic book geek and graphic novel type.
These charges get funnier by the minute.
The complaint stated: "She also blackmailed me and told me if I tell the police that she stole my credit card that she will tell the world I'm the true father of Sean Preston, not Kevin."
Yeah, because Brit doesn't have better things to do with her time.
The judge reportedly tossed the case. We bet he did so after having a chuckle at the charges.
Watch the Britney Spears 'Criminal' Video


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Germany has been a great experience so far. We had the chance to try a "doner" last night. It is similar a gyro but better. And the French fries….better than McDonald's any day. I would rate the "doner" above a chicken shawarma but below the lamb shawarma. The food here is great. I will be hitting the gym hard when I get back this weekend in preparation for spring training but I won't lie…I am looking forward to a traditional German meal tomorrow in Wiesbaden.
I can't believe we are headed back to Miami in two days. It has been around the world in 8 days. I could not be more grateful for this experience. I know how much family means to a military brat since I grew up one while my father was in the Coast Guard. At each stop on this trip, it feels like we have made everyone very appreciative and happy for our visit.
The real heroes are the kids we had the opportunity to visit today at schools around Ramstein Air Base. While their parents are volunteers, the kids are not. They have grown up far away from their parents and especially while in a foreign country. It was awesome seeing them so excited to see us. While visiting each school, the Mermaids performed for middle & high school students (and the young lads got pretty excited after the routine). The real star was Andre. He not only had moves on the field but he had them on the dance floor as well. It was much better than my performance (stayed tuned for video). Those new knees aren't stopping him from getting down on the dance floor. I think he could make it through a few rounds in Dancing with the Stars.
We hosted another baseball clinic with a youth baseball team. We had a potential prospect on our hands until he threw the ball about 20 feet away from me and hit an Air Force Captain. He still has a few more years to develop but he might be there some day.
At The Exchange store, we conducted an almost 2-hour autograph session and met over 300 people. It was great! Afterwards I finally got to hit the gym. I am looking forward to our last stop tomorrow.


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The terrorist attacks of 9/11 may have opened "a window of opportunity" to get relief from some of the "unreasonable environmental regulations" that have plagued American agriculture for more than two decades, says Jay Lehr.
"Maybe now that we've seen what real risks are — how people can die in unexpected ways — we can back off from some of the regulatory craziness we've been subjected to," he told members of the Southern Crop Production Association at their annual meeting at New Orleans.
Lehr, senior scientist for Environmental Education Enterprises, Inc., writes environmental textbooks for major publishers. His latest tome weighs in at 5 pounds, with 1,700 pages.
He has helped write several major pieces of environmental legislation, including the Safe Drinking Water Act, Superfund, the Federal Insecticide, Fungicide, and Rodenticide Act, and others, and has testified on environment issues before Congress 32 times.
"Not everyone shares my optimism for regulatory improvement," he said. "Many feel that after some time passes from 9/11, things will just go back to the way they were. My reply is: They will — if we don't do anything. Your industry is going to have to play a role, strengthen your resolve, and speak more forcefully in defending what you do with the chemicals you use and the non-risks involved."
The environmental achievements of American agriculture "have been magnificent," Lehr said "Farmers know how to use chemicals. We don't store leaky containers, we don't wash our sprayers right next to wells, we don't over-apply chemicals. The farmer today is no longer part of the problem — he is part of the solution.
"He is using chemicals wisely, and the benefit of these chemicals is one of the reasons we've been able to triple our yields in this country since 1960. We now have the cleanest environment on the planet, and the farmer has helped to bring that about."
Describing the environmental movement as "initially the most successful grassroots effort this country has ever seen," Lehr said things began to go awry in the early 1980s "when people with hidden agendas realized that the environment had become such an apple pie/motherhood issue that it could be a powerful tool for political purposes."
"When these advocacy groups took over the environmental movement, we started losing individual freedoms, saw the taking away of lands, endangered species regulations, etc. We saw the rise of junk science — not real science that understands what real risks are."
Laboratory technology, Lehr said, "has raced by our ability to realistically comprehend. We now have the ability to analyze parts per quadrillion. Not many people have a clue what this order of magnitude means: one part per quadrillion is equal to one hair out of all the hair on all the heads of all the people on the planet.
"It's absurd that we're taking things to this level. It makes no sense in science. But the environmentalists scare people with it. They say, 'Forget science; when it comes to testing, we can't be too safe.'"
But, Lehr said, "Every dollar spent chasing unsubstantiated risk is a dollar that can't be used for something else."
Global warming is an example of unsubstantiated risk, he said. "Man's impact on the environment has been small. Poverty has killed, and continues to kill, far more people than global warming. The poor in the United States die at three times the rate of other Americans; 87 percent of the premature deaths in this country are the result of poor diet, unsafe neighborhoods, and other factors directly related to poverty.
"We spend billions regulating pesticides, banning asbestos and DDT, and all that money could have saved millions of lives through more available medication, better sanitation, mosquito control to prevent millions of lives lost to malaria, and better nutrition."
The World Trade Center/Pentagon attacks were not the first major episodes of terror in the United States, Lehr said. "For 20 years, strident organizations have been destroying biotech research laboratories, ripping up research plots, etc., and the government and the media have looked the other way, saying it's a form of free speech.
"I believe we will win the war against foreign terrorism. But all of us are soldiers in the war on agricultural terrorism, and we have to continue fighting against overbearing, unnecessary regulations that cost lives by reducing the amount of food we can produce and the level of health we can protect."
e-mail: email@example.com.


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NASA Finds Direct Proof of Dark Matter
Dark matter and normal matter have been wrenched apart by the tremendous collision of two large clusters of galaxies. This composite image shows the galaxy cluster 1E 0657-56, also known as the "bullet cluster." The hot gas detected by Chandra in X-rays is seen as two pink clumps in the image and contains most of the "normal" matter in the two clusters. The bullet-shaped clump on the right is the hot gas from one cluster, which passed through the hot gas from the other larger cluster during the collision. An optical image from Magellan and the Hubble Space Telescope shows the galaxies in orange and white. The blue areas in this image show where astronomers find most of the mass in the clusters.
For more information about this research on the Web, visit: http://chandra.harvard.edu/press/06_releases/press_082106.html
Visible-Light and X-Ray Composite Image of Galaxy Cluster 1E 0657-556


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The world watched last August as the Curiosity rover descended onto the surface of Mars. Later this month, two of the project's most visible engineers will visit Mississippi State to share how this unmanned mission does more than satisfy idle curiosity.
Bobak "Mohawk" Ferdowsi and Adam "Elvis" Steltzner will begin their Jan. 29 visit with robotics demonstrations from high school participants from the Mississippi BEST competition. The day's events will continue at 6 p.m. in the Colvard Student Union with the men's presentation, which is free and open to the public.
Ferdowsi and Steltzner became Internet sensations with their unique hairstyles and enthusiasm during NASA's broadcast around the world during the agency's live stream of mission control as Curiosity entered Mars' atmosphere--a project they had integral parts in completing.
"These two engineers are part of history, and we are excited to have them speak here at Mississippi State," said Sarah Rajala, dean of the Bagley College of Engineering. "The teamwork and innovative problem solving involved in a mission of this magnitude is something we hope will resonate not only with our students, but also anyone who chooses to attend the lecture."
Essentially a car-sized robot, the Curiosity rover launched in November 2011, beginning a nine-month journey to the red planet. Culminating in what was dubbed "seven minutes of terror." The world watched the landing knowing it would end either in one of the most sophisticated rover landings in history or a multi-million dollar pile of rubble. It took precise timing, months of planning and a large team to successfully land the device on Mars.
Ferdowsi, a native of Philadelphia, Pa., served as the flight director of the Mars Science Laboratory Curiosity Rover cruise mission phase and subsequent surface mission. Steltzner, a native of California, helped design, test and build the sky crane landing system for the Curiosity rover. He also was the development manager for the entry, descent and landing phase of the mission.
Ferdowsi and Steltzner's visit is part of the Bagley College of Engineering's Distinguished Lecture Series, which is sponsored by the Robert M. Hearin Foundation.
For more information visit www.bagley.msstate.edu/curiosity.
Heather Rowe | Bagley College of Engineering


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WASHINGTON (Reuters) - An influential Democratic U.S. senator said on Wednesday he was working on a bipartisan bill to boost President Barack Obama's ability to negotiate trade deals, while Republicans made clear that more White House involvement is needed to pass the measure.
"I would like to see a bipartisan TPA (trade promotion authority) bill introduced by June," Senate Finance Committee Chairman Max Baucus said at a hearing on the Trans-Pacific Partnership pact, a proposed free trade agreement among 12 countries on both sides of the Pacific.
Approving the measure would help the White House conclude the three-year-old Asia-Pacific trade talks, which were expanded on Saturday to include Japan, Baucus said.
The Montana Democrat, who has been a driving force in Congress behind trade legislation, announced on Tuesday that he plans to retire at the end of his term next year.
Passing trade promotion authority this year would be a major achievement, setting the stage for votes on both the Trans-Pacific Partnership pact and another proposed free trade agreement with the European Union.
Representative Dave Camp, the Republican chairman of the House of Representatives Ways and Means Committee, also wants to move quickly on a bill on trade promotion authority, said a spokeswoman for that panel.
Karan Bhatia, a former U.S. trade official now a senior counsel and vice president at General Electric Co, underscored the need to pass TPA to finish the Trans-Pacific deal, which is expected to cover about 40 percent of global economic output.
"If the goal is to close this agreement done this year, I think we need to get TPA and we need to get it relatively soon," Bhatia referring to the current target of finishing talks on the Trans-Pacific pact in 2013.
Trade promotion authority, also known as "fast-track" trade legislation, allows the White House to submit trade deals to Congress for straight up-or-down votes without any amendments.
The legislation, which expired in 2007, is considered essential to assure other countries that any deals they reach with the United States will not be picked apart by Congress.
Staff on both the Senate Finance Committee and the House of Representatives Ways and Means Committee have already begun work on TPA legislation, which could face strong resistance from many Democrats who believe trade deals lead to U.S. job losses.
A long-time critic of trade agreements pounced on Baucus' statement, signally the potentially tough fight ahead.
"Fast track is inappropriate for the realities of 21st century trade agreements, which go beyond the scope of traditional trade matters and affects wide swaths of domestic policy unrelated to trade," said Lori Wallach, director of Public Citizen's Global Trade Watch.
Senator Robert Casey, a Pennsylvania Democrat, said he had a "high degree of skepticism" about the Trans-Pacific Partnership pact because of the potential for job losses in the U.S. auto sector and other industries.
Obama has not formally requested TPA from Congress, although acting U.S. Trade Representative Demetrios Marantis told the Senate Finance Committee last month the administration was prepared to work with lawmakers on a bill.
Senator John Thune, a South Dakota Republican, said he worried that White House foot-dragging on the legislation could lead to delays in concluding the Trans-Pacific talks.
"We know renewal of TPA is likely to be contentious and it's going to take time, obviously, for Congress to work through the process," Thune said, urging the White House to put a greater priority on passing the bill.
Senator Orrin Hatch of Utah, the senior Republican on the Finance Committee, underscored those concerns.
"I have yet to see any real commitment on the part of the White House to achieving (TPA's) quick consideration and approval in Congress," he said.
"A formal request from the administration for TPA would send a strong signal to our negotiating partners and the proponents of the Trans-Pacific Partnership that the president is serious about making sure the rhetoric surrounding the agreement meets the reality of the negotiating table," Hatch said.
Reporting by Doug Palmer; Editing by Neil Stempleman and Lisa Shumaker


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Editor's Note: Heroes of the Revolution
From the rec-room... a barbaric "yawp!"Several months ago, I turned my back on a petition that, as near as I can tell, never made it off the ground. It was an exercise of editorial prerogative that might have once been called "round-filing" in the days of paper. These days it's referred to in a slightly less jaunty manner as "clicking the delete button."
At issue was hardware support: near and dear to the hearts of Linux enthusiasts everywhere, and meaning anything from hot-swappable PCI support for your standard giant enterprise machines down to the little bits of code that make a printer print pretty instead of at 300x300 black and white. In this case, the particular bit of hardware was the KBGear Jam MP3 player: a low-cost ($49.95 at my neighborhood Target: I looked for it Friday) MP3 player that comes with a little bit of memory (16MB), but looks about right for someone with a short commute or bus ride or whatever.
That was a mouthful, and it would be unfair to imply that most Linux petitioners are like that. Generally, the people organizing petitions are polite, well-mannered folk who are just trying to show that there's maybe more of a market for a given manufacturer's hardware than said manufacturer might have realized without the help of a collection of signatures saying "If you support us, we'll buy your stuff."
The petitioner in this case, though, wasn't polite or well-mannered. The individual in question was rude, demanding, and happy to include in his letter to the editor (that'd be me) his belief that the people manufacturing the product were "total morons for not giving away the specs to their crappy hardware" and that a petition would teach them a lesson they wouldn't soon forget. Evidently, if the letter was to be believed, the petitioner had called up their tech support line and demanded a rundown of the protocols in use on the device, and let them know what morons they were before hanging up.
The wording of the petition itself was equally nasty, if along separate lines that ran more to "condescending" and "threatening," pointing out to the company that it needed to give up the specifications to its hardware right now so someone in the Linux community could go to work making its product work "correctly."
Totally, dude.
So I thought, for a few moments, about how I'd feel if I were on the receiving end of that petition. I thought about how one of my jobs is making sure that the tone on the sites I edit is reasonably respectful and professional. I thought about how, for the last six years of Linux as my primary desktop machine, some of those years have been spent wanting some things to work with my machine under Linux that simply might not and some moments have been spent thrilled because a given device finally does have support either from the manufacturer or some hacker's own time and sweat sniffing serial port traffic or analyzing the arcana of system logs. I thought about my responsibility to the reasonable people who use and work on Linux every day and how it would be flatly irresponsible to allow someone to even appear to speak for them who plainly had little self control or willingness to even pretend to be reasonable.
Having thought on these things, I deleted the letter and went on about my day, never giving the matter another thought. If the petitioner wanted to launch a petition drive, he'd have to work out the "civility" part first. And maybe think about a basic precaution experienced Linux users usually take: checking for hardware support before going out and buying something. The Linux community is remarkable at at least archiving clues and hints.
So months went by, and, as I said, the issue of manufacturer support for the KBGear Jam MP3 never crossed my mind, until Friday when Linux Today correspondent Fred Mobach passed along a bit of writing from Theodore Kilgore. Mr. Kilgore, it seems, had come upon one of the devices courtesy of a friend who found it was locking his own machine up. As is often the case, Windows is a requirement for these devices and Linux isn't mentioned on the box.
Undeterred by his inexperience with USB support under Linux, MP3 players in general, or even his own lack of programming skill (at least, Mr. Kilgore isn't willing to call himself a programmer) he sat out to make the thing work with Linux. I won't reiterate the entire tale, which we carried in full on Linux Today, except to say that, in the end, having done a little poking around and experimenting, he came up with a solution that works. Readers pointed out a few extra little tips, such as how to use his solution with a graphical file manager, and the sum of Linux knowledge increased. Another device that isn't "officially" supported is pretty easily managed under Linux without special software or interfaces, and the world now knows how to do it. People looking for a cheap MP3 player have one more choice. Good stuff. Stories like that have been happening for a decade now, as Linux enthusiasts sit down to solve problems without making demands of anyone or anything but their own brains and the tools with which their OS of choice provides them.
Faced with a profane kiddie who seems to have come into the world with a.) no native curiosity and b.) a transcendent sense of entitlement or Mr. Kilgore (and the many people like him out there), and asked who to pin a "Hero of the Revolution" medal on... I'm picking Mr. Kilgore. He made something happen and we're all better for it.


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SOA benefits: too much reuse of reuse?
Myth of the galactic repository
Ever since the dawning of structured software development, arguments have been put forth that, if we only architected (fill in the blank) entity relationships, objects, components, processes, or services, software development organizations would magically grow more productive because they could now systematically reuse their work. The fact that reuse has been such a Holy Grail for so many years reveals how elusive it has always been.
And so Joe McKendrick summarized the recent spate of arguments over SOA and reuse quite succinctly: "What if you built a service-oriented architecture and nothing got reused? Is it still of value to the business, or is it a flop?" The latest discussions were sparked by a recent AMR Research report that stated that too much of the justification for SOA projects was being driven by reuse. McKendrick cited ZapThink's David Linthicum, who curtly responded that he's already "been down this road, several times in fact," adding that "the core issue is that reuse, as a notion, is not core to the value of SOA... never has, never will." Instead, he pointed to agility as the real driver for SOA.
To give you an idea of how long this topic has been bandied about, we point to an article that we wrote for the old Software Magazine back in January 1997, where we quoted a Gartner analyst who predicted that by 2000, at least 60 per cent of all new software applications would be built from components, reusable, self-contained pieces of software that perform generic functions.
And in the course of our research, we had the chance to speak with an enterprise architect on two occasions - in 1997 and again last year - who was still with the same organization (a near miracle in this era of rapid turnover). A decade ago, her organization embraced component-based development to the point of changing job roles in the software development organization:
- Architects, who have the big picture, with knowledge of technology architecture, the requirements of the business, and where the functionality gaps are. They work with business analysts in handling requirements analysis.
- Provisioners, who perform analysis and coding of software components. They handle horizontal issues such as how to design complex queries and optimize database reads.
- Assemblers, who are the equivalent of developers. As the label implies, they are the ones who physically put the pieces together.
So how did that reorg of 1997 sink in? The EA admitted that it took several reorgs for the new division of labor to sink in, and after that, was adjusted for reality. "When you had multiple projects, scheduling conflicts often arose. It turned out that you needed dedicated project teams that worked with each other rather than pools. You couldn't just throw people into different projects that called for assemblers."
And even with a revamping of roles, the goals of reuse also adjusted for reality. You didn't get exact reuse, because components - now services - tended to evolve over time. At best, that component or service that you developed became a starting point, but not a goal.
So as we see it, there are several hurdles here.
The first is culture. Like any technical, engineering-oriented profession, developers pride themselves in creativity and cleverness, and consider it un-macho to reuse somebody else's work - because of the implication that they cannot improve on it.
The second, covers technology and the laws of competition:
1. During the days of CASE, conventional wisdom was that we could reuse key processes around the enterprise if we adequately modeled the data.
2. We eventually realized that entity relationships did not adequately address business logic, so we eventually went to objects, followed by coarser grained components, with the idea that if we built that galactic enterprise repository in the sky, that software functionality could be harvested like low-hanging fruit.
3. Then we realized the futility of grand enterprise modeling schemes, because the pace of change in modern economies meant that any enterprise model would become obsolete the moment it was created. And so we pursued SOA, with the idea that we could compose and dynamically orchestrate our way to agility.
4. Unfortunately, as that concept was a bit difficult to digest (add moving parts to any enterprise system, and you could make the audit and compliance folks nervous), we lazily fell back to that old warhorse: reuse.
5. The problem with reuse took a new twist. Maybe you could make services accessible, even declarative, to eliminate the messiness of integration. But you couldn't easily eliminate the issue of context. Aside from extremely low-value, low-level commodity services like authentication, higher-level business requirements are much more specific and hard to replicate.
What's amazing is how the reuse argument continues to endure as we now try justifying SOA. You'd think that after 20 years, we'd finally start updating our arguments.
This article originally appeared in onStrategies.
Copyright (c) 2007, onStrategies.com
Tony Baer is the principal with analyst onStrategies. With 15 years in enterprise systems and manufacturing, Tony specialises in application development, data warehousing and business applications, and is the author of several books on Java and .NET.
Sponsored: Becoming a Pragmatic Security Leader


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Running anyway
Runner Lance Sven (Left) started a Facebook page to organize a group of runners to participate in the "Run Anyway NYC Marathon" taking place in Central Park in New York, New York. The 2012 NYC Marathon which, was supposed to be held today, was cancelled by the city due to effects of Superstorm Sandy which hit the city on October 29. With the death toll currently over 90 and millions of homes and businesses without power, the US East Coast is attempting to recover from the effects of floods, fires and power outages brought on by Superstorm Sandy.
Getty Images
Copyright © 2019, Daily Press


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Country music makers often come off as more down to earth than other famous musicians. In the past it was almost a requirement that country musicians grew up in humblehomes, and some of them even kept their digs low key once they got famous.
Other country stars, especially nowadays, opt for housing that is not quite so basic or cozy—for example, young Carrie Underwood just purchased over 400 rural Tennessee acres to call home for about $3.4 million.
The same trials and tribulations of life that provide endless lyrical inspiration for so many country songs—love, betrayal, heartbreak, D-I-V-O-R-C-E, and death—also affect the living situations of the people who lived the lyrics—country music makers. They move in and they move on, so their homes on the market are often fodder for discussion on real estate sites like Realtor.com (who provided many of the images for this slideshow). Once in a while, as you'll see in the following slides, country musicians even move out of Tennessee.
It's a sure bet that many of the following structures will become immortalized in country music lyrics, or they already have. The Rosanne Cash song "House on the Lake" has this lyric inspired by the selling off of the longtime home of her famous parents: "There's nothing left to take/ But love and years are not for sale/ In our old house on the lake."
By Colleen KanePosted on July 19, 2011


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Height is 9 cm
- sassy long pile, ministoff
- hand made panties
- fiber filler
- glass granulate
- 5-way disk-jointed
- German glass eyes
- tinting by pastel
All my toys are made only from quality materials by my own patterns.
All of my toys are 100% handmade - made by hand, no machine sewing!
They are born in smoke-free and pet-free home.
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Please note that if you do not have a PayPal account, please select the "Pay with a debit or credit card" option and they will just ask for your credit card information. PayPal will NOT ask you to create an account for the payment.
After you click the "Buy now" button, you would be securely transferred to PayPal. PayPal offer added protection for both you the customer and the artist.