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I've had issues with blackheads for a while, mainly over my nose areas but sometimes my chin. It's a real pain always having to use things like masks and pore strips!
With Asian brands, you'll find tons of products specifically created to deal with the blackhead problem, so perhaps some girls are prone to this. I can imagine in Asia, where it is hot and humid people are more likely to sweat and get blocked pores.
But then again, for me I live in chilly England and I still get blackheads AND dry skin! A facialist said to me that I had blemishes but because my skin was so dry they were hard to extract, it was like it didn't want to let them out!
With such delightful imagery, I bring you Missha's Super Aqua Blackhead Clear Oil:
The Missha Super Aqua range has a number of blackhead products (such as a serum and a mask). However, I just bought this one item because I feel that the cleansing element is the most important when dealing with blackheads!
Also, I already have 2 blackhead serums from Laneige, which I have been using sporadically…
So the Clear Oil is a cleanser – this is supposed to have salt particles to remove blackheads and clean deep into the skin. It also contains grape seed oil and green tea oil for oil control and lemon oil to prevent blackheads from appearing.
This product is used AFTER regular cleansing and you massage this on with your fingers for 5-10 seconds then rinse off.
Whilst I love Cleansing Oils I have come to the conclusion that they are NO good for my dry skin – so I am happy to have this fairly small container of oil for a specific area of my face (ie. the oiliest).
I guess it's just extra effort – I have discovered foam cleansing, which is great but is a bit of faff. Hmm. Laziness vs. Good Skin.
Anyway – this cleansing oil is pretty good. It hasn't got rid of any blackheads – how can you do that without squeezing anyway – but where I have removed, and used this as upkeep, it has done a good job in delaying the reappearance of them.
The oil is clear with green bits in to scrub. It smells quite fresh:
I'm not sure how often you should do this, but I am a bit too lazy to use it every day – I am using it about 3 times a day. It's not bad and if you aren't too generous with it it should last 2 months I'm guessing?
I like this more than taking a harsh scrub or my nose so yes, I do like this.
Worth a try if you suffer from areas with blackheads! It's quite gentle and works best for prevention.
I bought this from eBay.

subset: commoncrawl


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At long last, I'm returning to my journals of our trip back east last summer. This post is especially meaningful because it's about our visit to an ancestor's farm. I'll include a few more pictures than usual so the extended family can enjoy more of our history.
Throughout the beautiful gardens and farm, there are garden stones or signs posted with poems or sayings that remind the reader to appreciate the beauty given us by the Creator.
Monday, June 25th, 2012
We crossed the Champlain Lake on a ferry that looked to be a normal size. Then three huge tour buses pulled up next to us and we were afraid they'd make us wait for the next boat. Imagine our surprise when they squeezed three buses, one semi truck, one van, and something like 18 cars onto one ferry. It's a gray, drizzly day, but it was pretty to drift across the water, watching the little boats darting around us. Thankfully the big vehicles only blocked our view on one side.
When we were almost across, all of a sudden Mom says, "What are we waiting for?"
"What do you mean?"
"We're not moving."
"We already crossed the whole lake, Mom. We've been moving."
"You mean I missed the whole trip? I was reading the newspaper!"
Turns out the voyage was so smooth she'd somehow missed that we were moving. Ah the joys of long trips on little sleep. I know she'd been glancing out the window, but somehow thought the water moving was just the current.
Our stop at Heart's Delight Farm was amazing. Starting in 1903, William Miner built or renovated 300 buildings over the 15,000 acres in Chazy, NY (pronounced chay-zee). They raised and sold huge numbers of cattle, pigs, horses, chicken, corn, and celery. He was a brilliant man who had grown up a poor orphan but invented so many types of railway equipment that he became rich at a young age. The farm was run based on all the scientific knowledge and technology available at the time, and they were constantly researching and working to make things even more effective. They even built their own dams right on the farm to run electricity to the whole thing—the Miners had electricity before the governor did!
Mom's family had passed down the story that we are direct descendants of William, but recently Mom had contacted the farm and discovered he didn't have any children. It threw us for a loop and we realized we were actually cousins of him.
|William Miner and his wife, Alice.
The farm has always been open to the public, even when it was first built. Today there is a little museum set up but they still farm it and raise horses. The horses were excited to see us and neighed to us the whole time we were there, and some sniffed me all over to see if I might have a treat hidden in a pocket somewhere.I also spotted some kitties curled up in chairs, which made me miss my Leika.
|It was amusing to see the above horse watching us out of a second-story window.
|William used much of his fortune to help start schools.
This is the institute's bus that would go pick up students every morning.
Throughout the beautiful gardens and farm, there are garden stones or signs posted with poems or sayings that remind the reader to appreciate the beauty given us by the Creator.
It made us proud to see the efficient farm focused on not only technology and research, but on helping the community around it and on glorifying God.


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Brussels, 31 mars 2011
Creating a fair single market for mortgage credit – FAQ
1. What does this proposal cover?
The focus of this proposal is to ensure that all consumers purchasing a property or taking out a loan secured by their home are adequately protected against the risks. Consequently, the proposal covers all loans to consumers to buy a home as well as certain loans to consumers to renovate a home. It also covers all loans to consumers that are guaranteed by a mortgage or another comparable security.
2. Why act at the European level?
The financial crisis has had a substantial impact on EU citizens. Many have lost confidence in the financial sector and irresponsible lending is now having an impact. As borrowers have found their loans increasingly unaffordable, defaults and foreclosures have risen. These problems are not just cyclical or limited to one or two Member States but can be found throughout the EU. As the recent financial crisis also illustrated, the effects of irresponsible lending in one country can quickly spread beyond national borders.
But this focus on mortgage markets is not new. For several years, the Commission has reviewed EU residential mortgages markets to ensure the efficient functioning of the Single Market. A single market for residential mortgages is far from completion as several obstacles exist to the free provision of services. These obstacles restrict the level of cross-border activity on the supply and demand sides, reducing competition. Creditors may be less efficient than they could be and borrowers may face the risk of consumer detriment.
Against this background, it is clear that solutions can not only be found at the domestic level. Common standards across the EU are necessary to promote an efficient and competitive single market with a high level of consumer protection. These standards are essential not only as a step towards creating a more efficient and competitive single market but in order to ensure that the appropriate lessons are learnt from the sub-prime crisis and to ensure that such a financial crisis does not reoccur in the future.
3. How did the Commission reach the decision to regulate European mortgage markets?
In the context of efforts to create a genuine single market for financial services in the 1990s, self-regulatory initiatives were developed to improve the quality and comparability of information provided to consumers on mortgages. In 2001, these efforts resulted in the European Voluntary Code of Conduct on pre-contractual information for home loans. A Recommendation by the Commission endorsed this Code and committed to monitoring compliance with the Code and to assessing its effectiveness.
Two years after the adoption of the Code, the Commission began a broad review of EU mortgage markets to assess the implementation of the Code and whether further steps were necessary to promote the integration of EU mortgage markets. This process culminated in the White Paper on the Integration of EU Mortgage Markets.i
Against this background and in the wake of the financial crisis, the Commission launched a further consultation to strengthen and deepen its understanding of the issues surrounding responsible lending and borrowing. Additional research was also undertaken on specific topics such as the role and regulation of credit intermediaries in the internal market, the role and regulation of non-credit institutions providing mortgage credit, consumer testing of the standardised information provided to consumers, and a cost-benefit analysis of different policy options.
Taking into account the results of the extensive consultative process and research undertaken to date, the decision was reached to come forward with a targeted proposal regulating specific aspects of the mortgage sale and distribution process.
4. Has an impact assessment been undertaken and what were the main conclusions?
In line with the Commission's better regulation approach a comprehensive impact assessment has been undertaken for this proposal. It builds on the impact assessment accompanying the White Paper on the Integration of EU Mortgage Markets and incorporates the results of studies and consultations undertaken since the publication of the White Paper.
The impact assessment concludes that a package of measures is necessary to ensure responsible lending and borrowing throughout the EU. This will minimise consumer detriment, in particular for consumers with low levels of financial literacy or on low incomes, improve customer mobility both at national and, albeit to a lesser extent, cross-border level, facilitate cross-border activity by businesses and create a level playing field throughout the EU. The entry of foreign lenders and credit intermediaries (generally, companies who provide information and assistance to consumers looking for a mortgage credit and sometimes conclude mortgage agreements on behalf of the lender) should also strengthen competition. According to Commission calculations based on current evidence, expected benefits to society in terms of the potential reduction in the number of consumer defaults are estimated at EUR 1 272–1 931 million per annum. Estimated expected total one-off and ongoing costs for lenders, intermediaries and Member States are in the range of EUR 383–621 million and of EUR 268–330 million respectively. These figures exclude the costs and benefits of early repayment which are subject to a separate cost-benefit analysis in the Study on the Costs and Benefits of the different policy options for mortgage credit. The strong positive effect on consumer confidence of the proposed Directive is also expected to underpin the demand for credit products and encourage consumer mobility both at national and, albeit to a lesser extent, cross-border level. These last effects could however not be quantified due to the difficulty in modelling consumer behaviour.
5. What are the Commission's objectives in the field of mortgage credit?
The objectives are to create an efficient and competitive single market for consumers, creditors and credit intermediaries with a high level of consumer protection and to promote financial stability by ensuring that mortgage credit markets operate in a responsible manner. The proposal seeks to do this in several ways, including by fostering consumer confidence and customer mobility, creating a level playing field for operators and promoting cross-border activity by creditors and credit intermediaries.
6. What problems will this proposal address?
Irresponsible lending and borrowing can be found throughout the EU. For consumers, the consequences have been difficulties in paying bills, defaults on their debts or even the loss of their home through foreclosure. This is, at least in part, caused by different levels of knowledge and differing interests between the lender/intermediary and the consumer, which can result in the consumer buying an unsuitable product. For example, unclear or difficult to understand adverts or information can make it difficult for the consumer to choose the best product for their needs as can inadequate assessments of the consumer's ability to repay the loan or inappropriate advice. Regulatory gaps or inconsistencies can make the situation worse.
Barriers also exist which prevent or inhibit consumers and lenders from making the most of the single market. Consequently, levels of cross-border lending remain low. Lenders and intermediaries face obstacles that prevent them from doing business in another Member State (e.g. inability to access consumer credit histories and different registration, authorisation and supervision requirements for intermediaries) or disproportionately increase their costs (e.g. different advertising or disclosure requirements). Citizens also face obstacles (e.g. lack of comparable information, different standards of care) when seeking a mortgage in another Member State, or even from a lender in the same Member State for a property situated elsewhere in the EU.
Other problems such as low levels of financial literacy, the tying of mortgage credit products to other products, and issues relating to mortgage funding, which may also impact on the decision to grant a particular credit and the borrower's choice of mortgage product, are out of scope of this initiative.
7. Why does the Commission want to integrate mortgage markets, if the average consumer will not be shopping cross-border?
The Commission acknowledges that today only a small fraction of the European population is active cross-border. Indications are that this will remain relatively small in the short to medium term. Integration will therefore be predominately driven through cross-border activity by mortgage lenders for the near future. Consequently, the Commission aims at facilitating the cross-border supply of mortgage credit by removing the barriers to and reducing the costs of engaging in cross-border lending. In this way, consumers should be able to choose not only from the products and services which are currently available on their home market, but also from products and services which have been designed elsewhere in the EU and are offered to the consumer by locally established firms, local agents or brokers of EU lenders, or even on a purely cross-border basis.
Key facts & figures
8. How will the announced package benefit consumers?
Consumers will benefit directly and indirectly. In direct terms, the measures announced should improve consumer confidence in the lenders and intermediaries that provide mortgage loans as well as in the products themselves. This would reduce the likelihood that they purchase an inappropriate product, which could potentially lead to overindebtedness, default or even foreclosure. In particular, consumer confidence should be boosted by clearer and more understandable information on mortgage loans by means of an improved European Standard Information Sheet (Annex I), better assessments of consumers' ability to repay the loans and more reliable advice. However, indirectly, consumers could also benefit from increased competition both domestically and cross-border.
9. Will the Commission's proposals make it more difficult for consumers to obtain a mortgage?
Responsible lending practices, in particular the obligation to assess the borrower's creditworthiness and to reject the credit application if the outcome of the assessment is negative, may indeed result in reduced access to credit for certain groups of borrowers, such as those with a low income or an impaired credit history. The extent of this possible impact would however largely depend on exactly how Member States would translate this proposal into national law.
At the same time, this proposal plays an important role in ensuring that the most vulnerable consumers, such as those groups mentioned above, are protected by reducing the risk of overindebtedness and default, thus enhancing the social sustainability of lending practices and social cohesion.
10. Will this proposal increase the price of a mortgage credit for consumers?
The price of a mortgage credit depends on a range of factors including the general economic climate, the costs of refinancing for the lender, the level of competition in the mortgage market, and the risks the lender would be exposed to and the costs it may incur. While some of the policies will increase the fixed costs for the lender, at least in the short run, some of the policies being proposed, such as the ability to access consumer credit histories cross-border, should make it easier for lenders to assess the risks of with providing the loan and offer more accurate risk-based pricing, thus potentially reducing the price for some consumers. Other policies, such as those to promote the development of the credit intermediation market, should promote further competition in mortgage markets and offer new business opportunities to lenders and intermediaries alike, therefore potentially leading to a reduction in the price of mortgage credit.
11. European mortgage markets have not experienced the excesses that we saw across the Atlantic. Why therefore introduce EU legislation to solve US problems?
This proposal is a European solution to a European problem. Irresponsible mortgage lending and borrowing in the EU is nowhere near the levels in the US. But this does not mean that irresponsible mortgage lending and borrowing does not occur in the EU or that it does not have consequences for consumers and the wider economy. Similar weaknesses in the regulation of EU markets have been identified, including, inadequate regulation of intermediaries and non-banks and insufficient or inadequate assessment of a consumers' repayment capacity. As the recent financial crisis illustrated, the effects of irresponsible lending in one country can quickly spread beyond national borders. In an integrated financial market such as the EU, these effects can occur rapidly and through multiple channels. The proposal for a Directive will create standards to ensure that mortgage lending in the EU takes place in a responsible manner and contribute to promoting financial, economic and social stability in all EU Member States. This proposal also responds to the G20 recommendationsxiii to ensure that all markets, products and participants are subject to adequate regulation and supervision.
However, this proposal does not focus exclusively on enhancing responsible lending. It also seeks to create a genuine single market for mortgage credit. For several years, the Commission has engaged in a comprehensive review of EU residential mortgages markets to ensure the efficient functioning of the single market. In this respect, this proposal also brings forward measures that should enhance the efficiency of the single market, including for example, measures to facilitate cross-border access to credit databases and a passport for credit intermediaries.
12. Why legislate on early repayment at the European level?
This proposal requires Member States to guarantee the right of borrowers to prepay their mortgages before the end of the contract. This would enable a borrower to prepay the loan in order to, for example, consolidate debts through a new mortgage or sell their home because of a change in personal and/or financial circumstances.
Early repayment has previously been identified in the White Paper on the Integration of EU Mortgage Markets and its accompanying impact assessment as one of the main obstacles to the creation of a single market for mortgages. The existence of different national early repayment regimes impact negatively on consumer confidence and restrict customer mobility. They also inhibit cross-border activity and create an unlevel playing field for lenders. The issue of early repayment therefore cannot be ignored when attempting to design a credible policy on the integration of mortgage markets.
Giving consumers the right to repay their loan in advance is also an essential element of consumer protection. Studies have shown that consumers are not always aware when taking out a mortgage that they could benefit from such a right. A right of early repayment is also in the interest of the market: consumers having the opportunity to escape their current loan will be more inclined to seek better offers, and take full advantage of opportunities for mobility in employment or training.
Member States will be free to determine the eligibility criteria, the conditions for exercising the right and the existence, level and method of calculating any compensation payable to the lender in order to invoke the right. However, Member States must ensure that these conditions are not so restrictive that they would gut the law of substance.
13. Why are you just regulating residential mortgage lending and not commercial loans?
The Directive covers credit agreements secured by a mortgage or by another comparable security, loans to purchase a property and certain credit agreements aimed at financing the renovation of a residential immovable property. As such, the main focus of the Directive is on loans to consumers rather than to companies.
Consequently, commercial mortgage transactions, namely, the provision of a mortgage loan from a bank to a company to build or develop property would not be covered by this proposal. However, the proposal does not preclude the possibility that some Member States may wish to extend the scope to other beneficiaries such as small or medium-sized enterprises or indeed to some commercial property transactions.
Commercial property developers who offer mortgages to purchase their properties would be covered by this proposal. Such developers would be acting as intermediaries as defined in the proposal and would therefore be subject to the conduct of business rules as well as the requirements for registration and supervision.
14. Many of the areas being regulated by this proposal are already covered by a wealth of consumer protection legislation. Why is more regulation necessary?
The proposal is not only consistent with but also complementary to other existing EU legislation in the areas of consumer protection.
The Unfair Commercial Practices Directive (UCPD) (Directive 2005/29/EC) already provides protection for consumers, but it does not take into account the specificities of mortgage credit. In order to ensure that consumers can compare different offers and make informed choices, this proposal sets out, amongst other things, specific provisions for the advertising of mortgage credit and standardised pre-contractual information. The UCPD complements these specific requirements in the areas not covered by the proposal. For instance, it will come into play if the creditor or the credit intermediary uses aggressive commercial practices or when the practice in question is regarded as unfair per se under the Black List of the UCPD.
The Distance Marketing of Financial Services Directive (Directive 2002/65/EC) applies to consumer distance contracts for financial services and provides a number of fundamental legal rights for consumers. The areas where this Directive and the proposal overlap are limited and specifically identified in the proposal. For instance, the proposal addresses the issue of provision of information before the conclusion of the contract in case of distance selling and therefore takes precedence over the Distance Marketing of Financial Services Directive in this field.
The Consumer Credit Directive (Directive 2008/48/EC) was adopted with the aim of enhancing the level of consumer protection and facilitating the integration of the consumer credit market. The proposal largely draws on the conduct of business provisions in the Consumer Credit Directive, while taking account the specific features of mortgage credit, for example by introducing risk warnings in the pre-contractual information provisions and by strengthening creditworthiness assessment provisions.
In conclusion, this proposal complements existing EU consumer protection legislation, in particular by focusing on ensuring responsible conduct of business. Together, the EU legislation should each contribute to a higher level of consumer protection.
15. Changes made to the Capital Requirements Directive force banks to operate responsibly. Why are additional measures necessary?
Forthcoming changes to the Capital Requirements Directive should not alter the flow of credit to consumers directly but instead focus on ensuring that appropriate collateral (e.g. property) exists to cover the risks taken in order to ensure the institutional stability of the lender.
In contrast, this proposal focuses on the consumer's ability to repay the loan and not the value of the collateral. In essence, the Capital Requirements Directive focuses on risks to the lender, whereas this proposal focuses on the avoiding risks to the consumer.
16. Markets have self-corrected and no longer engage in many of the practices that have been identified as irresponsible. As such, there is no need for EU legislation.
It is true that lending conditions have tightened considerably since the onset of the financial crisis. But policies also need to be forward-looking. When markets and the economy pick up further, and lending volumes increase, it is essential that a robust regulatory framework is in place to ensure that the mistakes of the past are not repeated.
17. What are the main findings of the Staff Working Paper on pre-foreclosures accompanying the proposal?
Over the last two years, the Commission services collected information on the evolution of defaults and foreclosures in the Member States and measures taken or about to be taken at national level to avoid foreclosure procedures where possible and reasonable. Several broad trends can be identified.
All Member States that provided information for the years 2008 and 2009 have experienced an increase in default rates over that period. However, when looking at the various default rates more closely, Member States appear to have experienced the impact of the financial crisis differently, with some having higher absolute default rates than others.
In a similar way, data relating to the number of foreclosure procedures reveals a mixed picture. However, the increase in the number of foreclosures opened in 2008–2009 is generally significantly lower than over the period 2007–2008, during which Member States experienced overall an increase in the opening of foreclosure procedures.
The report shows that various steps can be undertaken before lenders need to resort to foreclosure. Creditors in some Member States have voluntarily adopted internal practices in order to avoid foreclosures. Certain measures have also been imposed however on creditors in some Member States to help reduce the number of foreclosures. The report provides illustrations of these practices at national level, ranging from reconciliation procedures, mediation, modification of loan terms, to minimum length of time before starting foreclosure procedures, public rescue schemes and provision of independent debt and legal advice, as well as the collection of data and internal reporting.
18. What are foreclosure procedures?
For the purposes of its research, Commission services have defined a 'foreclosure procedure' as a legal action taken by the lender with the view to recovering the money lent, in cases where the borrower has defaulted in paying his instalments. In the same context, 'repossession' refers to the lender actually taking possession of the mortgaged property.
19. What does the proposal do to reduce the risks associated with foreign currency loans?
In some Member States (e.g. Poland, Hungary), a significant part of mortgage credit agreements taken out by households and individuals for their private residences are denominated in foreign currencies, like the Swiss franc. More than 90 % of mortgages in Latvia, Romania and Estonia are issued in a foreign currency. However, foreign exchange lending is not limited to the newer EU Member States; in Austria, more than 38 % of outstanding mortgage credit is denominated in a foreign currency. Foreign currency lending allowed consumers to benefit from mortgage interest rates which were lower than in their own countries, but at the same time exposed them to currency risks, which could increase the cost of their loan expressed in domestic currency significantly, potentially leading to an increasing number of defaults and foreclosures.
This proposal will ensure that when a lender or intermediary offers a mortgage credit contract denominated in foreign currency that the borrower is made aware through information and personalised explanations of the related currency risks and the effects thereof on the cost of their loan. In particular, the information provided to the consumer should include information on the exchange rate used for calculating and adjusting the exchange rate spreads and the rate used for converting repayments as well as clear risk warnings about the risks of foreign currency loans. The information provided to the borrower should also provide clear examples of the impacts of exchange rate changes both in an upward and downward direction. Finally, the proposal should also ensure that creditors do not overestimate the repayment capacity of borrowers by ensuring that they carefully consider the consumer's ability to repay the loan now and in the future.
20. Granting a loan is a commercial decision. Why is the Commission interfering in the contractual freedom of mortgage lenders?
Although estimates are that 90 % of creditors currently assess a borrower's creditworthiness, this does not necessarily mean that they decide against granting a loan if the assessment is negative. Creditors can rely on the value of the underlying collateral (the property) in the event of default, transfer the risk of default to a third party by issuing mortgage backed securities or even sell the loan (and risk) to someone else entirely. Consequently, there is a risk that, at least in some instances, the creditors will grant the loan to a consumer who is unable to repay the loan. This proposal seeks to avoid those risks by preventing lenders from being able to grant a loan to a consumer who is unable to repay that particular loan (a negative assessment of creditworthiness). A negative credit assessment is not necessarily the result of a negative credit score or consultation of a credit database but should take into account a wide range of information, including for example, other guarantees offered by the consumer. A positive creditworthiness assessment does not however constitute an obligation for the creditor to provide credit.
Pre-Contractual Information for Home Loans
EUROPEAN STANDARDISED INFORMATION SHEET (ESIS Model)
Hypostat 2008: A review of Europe's Mortgage and Housing Markets, European Mortgage Federation, November 2009.
Monthly Bulletin, European Central Bank, August 2009.
The European Union Today and Tomorrow, Eurobarometer 69, November 2008.
Towards a Common Operational European Definition of Over-indebtedness, Observatoire de l'Epargne Européenne in cooperation with CEPS and the University of Bristol, February 2008.
Consumers' views on switching service providers, Annex tables, Flash Eurobarometer 243, January 2009, p. 40.
Public Opinion in Europe on Financial Services, Special Eurobarometer 230, August 2005, pp. 67‑69.
Response to the Financial Services Authority Mortgage Market Review Discussion Paper, Experian, December 2009, p. 10.
CP10/16: Mortgage Market Review, Financial Services Authority, 13.7.2010
See Impact Assessment, Section 6.8, Table 29
Treasury Blueprint for a modernised financial regulatory structure, 31.3.2008, p. 6.
See Annex 4 of the Impact Assessment, Section 4.9.1, Table 27.
G20 Declaration, summit on financial markets and the world economy, 15.11.2008.
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Vt. first in line for single payer?
Most governors are, at best, slogging their way through the world of health reform implementation. Vermont's Gov. Peter Shumlin is hurtling through it.
Vermont is the only state to have set itself on a path to a single-payer health care system, using the national health care law as a jumping-off point.
Story Continued Below
Shumlin can't get there by 2014. He may not get there by 2017, when states get more flexibility under the health law to design their own health care systems. He may not get there at all.
But he believes that even small states must aim big.
"It's a mistake for our public policymakers to think we can nibble around the broken system," he told POLITICO in an interview at the Democratic National Convention in Charlotte, N.C. He says he wants change and believes that it's actually easier to bring big change to little states, which he sees as less beholden than larger states and national politics are to special interests.
The rest of the United States has no interest in single payer, of course, not now nor in the near future. Not only did the 2010 health law reject single payer or a public option, its rules and structures prevent a state like Vermont from going single payer, at least at the outset.
But Shumlin's ready to go — and he doesn't want the health care law to stand in his way.
"This Vermont boy wants to implement that single-payer health care system tomorrow, and I don't know why you guys want to stop me from doing that," Shumlin said at a recent POLITICO health policy panel. "It's the right thing to do. The rest of the world has figured it out. Let's grow up and join them."
The Vermont Legislature and his administration are working on setting up a state health insurance exchange under the health care law. It isn't single-payer, although it's often described that way. It's an exchange. But Vermont is designing its exchange in a way that could be a platform for a state-based single-payer system.
Shumlin argues that his vision is as pragmatic as it is progressive. The efficiencies of a one-payer system will slow health care spending, freeing up dollars for jobs and economic growth, he says.
But a lot of things have to fall into place. To get to single-payer, even by 2017, Shumlin acknowledged that he would need an unprecedented slew of exemptions, tweaks or workarounds from numerous federal health programs and laws — including waivers from Medicare, Medicaid and the Affordable Care Act itself. He has to figure out what to do about big businesses that operate in Vermont and other states whose health plans are regulated not by the state, but by a federal law known as ERISA.
And the Legislature has to agree on a way of paying for it — one that won't stir so much opposition in the business community that the whole thing falls apart.
Shumlin's opponent in the governor's race, underdog Republican Randy Brock, says the so-called single-payer plan is "vague, undefined" — and undesirable.


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Readers of Equipment Today and ForConstructionPros.com recently named the Cat® F Series Backhoe Loaders one of the 50 most innovative products of 2012.
Equipment Today's 'Top 50 New Products' is an annual awards program recognizing the newest construction equipment and products that contractors think are most likely to improve their business. The magazine and website asked readers to vote online. Each manufacturer/supplier could only receive one award, so the top 50 winnrs represent the highest rated product among all of a company's product lines.
The website summarized the F Series Backhoe Loaders, saying, "The Cat F Series strives to balance backhoe-loader emissions costs with efficiency from computer controls, productivity from redesigned loader arms, and durability."
See the complete list of winners here:http://www.forconstructionpros.com/article/10773220/unique-awards-for-innovative-products


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Man, i love Geist. All of the drums in this track were done in Geist using factory sounds and also the vocal samples were triggered from Geist using a trigger finger. I've just started using multiple engines and with my midi controller set to channel 9 it's so flexible and deep!
Anyway here is the track: Its part of a set i am doing on soundcloud "52 songs in 2012." Any feedback appreciated!
Also don't forget to follow me on soundcloud.
- Rack Extensions
- View Rack Extensions
- Legacy Products
- View Legacy Products
- My Products
- View My Products


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Morecambe top despite defeat
Morecambe remain top of npower League Two despite a 3-2 home defeat to Bristol Rovers.
Cian Bolger handed the visitors a 27th-minute lead, before Jason Price and Kevin Ellison turned the match on its head, but Rovers looked impressive and Scott McGleish put the Pirates level and Joe Anyinsah secured three points.
Shrewsbury are level on points in second after defeating Torquay 2-0 thanks to James Collins' brace. The Gulls saw Rene Howe sent off in stoppage time.
Southend lie in the final automatic promotion spot after a thumping 4-0 win at Rotherham. Peter Gilbert and Neil Harris complemented Michael Timlin's brace at the Don Valley Stadium.
Michael Doughty helped Crawley grab a 1-0 win at Aldershot, while Cheltenham and Hereford ended in a goalless draw.
Jack Midson and Christian Jolley netted in AFC Wimbledon's 2-1 win at Bradford, who had equalised through Michael Flynn.
Crewe and Port Vale finished 1-1 after Tom Pope levelled after Byron Moore scored, while Danny Kedwell's brace and a Frank Nouble goal helped Gillingham beat nine-man Burton Albion 3-1 at Priestfield. Billy Kee scored for the visitors, who had Aaron Webster and Ryan Austin sent off.
Arron Davies and Adebayo Akinfenwa netted in Northampton's 2-1 win against Dagenham and Redbridge, who pulled one back late on through Oliver Lee.
Paul McLaren gave Oxford a 1-0 lead against Accrington Stanley only for Peter Murphy to pull one back in the 62nd minute.
Warren Feeney and Robbie Williams helped Plymouth to a 2-0 win against Macclesfield, while Swindon thumped Barnet 4-0. Raffaele De Vita, Matt Ritchie and Mehdi Kerrouche gave the Robins a 3-0 half-time lead, before Ritchie grabbed his second of the game in the 65th minute.
Copyright (c) PA Sport 2009, All Rights Reserved.News Now - Sport News


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A widget is an online program that provides customized information and can be easily added to your website. It automatically updates, so it requires no maintenance by you.
Give your website visitors instant access to a list of their nearest HIV and STD testing locations without leaving your site. Put the widget on your site and when a ZIP code is entered, it will return the nearest testing locations from the extensive database available at gettested.cdc.gov, a national online tool for locating local STD and HIV testing centers by ZIP code.
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800-CDC-INFO (800-232-4636) TTY: (888) 232-6348 - Contact CDC–INFO


text:
DiS asked some of the makers of some of our albums of the year, as well as some of our tips for next year, what they want for Christmas. As we expected time off seems to be top of a lot of non-stop touring bands lists...
Scott Hutchison from Frightened Rabbit: Loads of meat, loads of booze, and a cardigan.
Randy from No Age: A guitar that isn't broken
Howling Bells: A good holiday back to Australia with our families. It is always a long time between seeing them. Also anything else that comes along with that being sunshine, beach.
Aaron Pfenning from Chairlift: Egg nog and sweaters, naturally.
Caroline Polachek from Chairlift: A vacation!
Pink eyes from Fucked up: All I want for Christmas are a few books, a couple records and to be off tour.
Katie from Sky Larkin: That the broken heater in our van is fixable, otherwise its going to be a chilly January 2009!
Nestor from Sky Larkin: Call me lame, but I'm just really looking forward to hanging out with my friends at home. We've been so busy these past 6 months that I feel like a stranger in my own home town! Oh, and a pony...
Doug from Sky Larkin: For Christmas I'm getting time at home, I'm not sure how I feel about it but I'm slowly adapting.
Daniel Stricker from Midnight Juggernauts: For it to snow - but that's pretty much impossible down here [in Australia]
Darren from We Have Band: Peace and quiet! I'm not a big fan of the Christmas madness. Its nice if its done without too much expectation but it often just seems like people running around buying things they can afford and they don't need. I feel bad for people because you can really see the pressure in their face. The week between xmas and new year is my favourite of the whole year when you can just chill out and think about whats gone and what coming next.
Jonathan Meiburg from Shearwater: Besides a real, enforceable international agreement to reduce greenhouse gas emissions? Hm. Maybe a hiking trip to Bhutan or Surinam.
Volker aka Hauschka: I hope that my kids will get in touch with all the things that are important to me and that they experience life with the same pleasure.
Dean from No Age: I am jewish.


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Ngwe Lwin - Myanmar
It may be more common these days to hear doom and gloom stories of biodiversity loss and environmental degradation, but exciting discoveries of new species do happen and give heart to conservationists the world over.
While discoveries of new invertebrate or fish species may be relatively frequent, it's not often that a new species of primate is discovered.
Ngwe Lwin, a vigilant young Burmese conservationist, was lucky enough to come across a new species of snub-nosed monkey in the Himalayan Mountains of Myanmar whilst taking part in primate surveys in early 2010. Hunters reported seeing a monkey that had prominent lips and wide, upturned nostrils—features unlike those of any snub-nosed species previously described. Because of its upturned nose, this new Mae Hka snub-nosed monkey (Rhinopithecus strykeri), has the endearing trait of sneezing when it rains!
Local knowledge
Interviewing hunters, Ngwe believes that the species is limited to forests of the Maw River area, approximately 270 km2, with an estimated population of 260-330 individuals, low enough to be classified as Critically Endangered by IUCN's Red List of Threatened Species.
The surveys were being carried out by local NGO the Myanmar Biodiversity and Conservation Association (BANCA), the in-country partner of IUCN Member Fauna & Flora International (FFI) and an international team of primatologists from FFI and the People, Resources and Conservation Foundation.
Sadly, this latest addition to the snub-nosed monkey family is already threatened. Logging roads built by Chinese companies intersect the area and a timber company is building two logging roads close to the species' habitat.
Under threat
The Mae Hka watershed is also subject to one of Asia's largest hydropower development schemes implemented by the China Power Investment Corporation (CPI). While the snub-nosed monkey range is not directly affected by flooding, the construction of roads will allow all-year access to the mountains.
Early this year, Ngwe documented increased hunting because of the influx of Chinese construction workers and demand for wildlife products. He is now approaching the authorities in Myanmar and China to improve the enforcement of national wildlife protection laws and CITES—the Convention on International Trade in Endangered Species.
Nevertheless, there is a potential win-win solution for conservation. Sedimentation caused by logging would reduce the lifespan of the dams and reduce economic revenues from hydroelectric power generation.
According to Ngwe, the challenge is to convince the Chinese government to phase out logging, and collaborate with CPI to protect the watershed and create a new protected area through trans-boundary collaboration between China and Myanmar.
Positive moves
Ngwe has reported the first success in establishing voluntary hunting restrictions. "After intensive conservation awareness work and meetings, hunters in eight villages agreed to stop shooting the snub-nosed monkey. Myanmar's people need to increase their knowledge of the environment and participate in conservation activities," he says.
Ngwe has wanted to work in conservation since leaving University and has decided to dedicate his life to developing a community-managed conservation area and to phasing out logging.
After receiving bird watching training and becoming a guide, Ngwe Lwin was recognised as an emerging conservationist and began work in the field of primate conservation. He has much work to do but his dreams are already becoming a reality.
Ngwe Lwin can be contacted at [email protected]


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Teacher resources and professional development across the curriculum
Teacher professional development and classroom resources across the curriculum
Evaluating Communication
|Make a Lesson Plan | Summing Up the Session | Final Journal
First, gather your entries from Journals 1-4 and reread them, editing your original comments as desired. Highlight the questions that were most provocative or productive for you in thinking about communication. Would you like to add to what you have written? If so, go for it.
Here are some questions for your final journal.
Questions to write and reflect about:
Thanks for writing in your journal. Please print out these last entries and add them to those for Journals 1-4.
Congratulations -- you've completed the session! If you are someone who is motivated by rewards, give yourself an appropriate one now. You've just completed a substantial amount of work, and you deserve credit.
In the next session, we will address the Problem-Solving Standard.
|Teaching Math Home | Grades 3-5 | Communication | Site Map | © |
© Annenberg Foundation 2017. All rights reserved. Legal Policy


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Lunenburg, Massachusetts Juvenile Law Lawyers
Karli S. Fernandez-Fontaine
Leominster, MA 01453
Eleanor Ruth Hertzberg
P.O. Box 654
Action, MA 01720
Villanova University School of Law
Framingham, MA 01701
Juvenile, Appeals, Criminal and Domestic Violence
Suffolk University
David R. Yannetti
Dedham, MA 02026
Boston College Law School
Michael Monopoli
Worcester , MA 01609
In 1976, Michael left the Massachusetts Defenders Committee and started working as an Assistant District Attorney in Worcester County. He prosecuted...
Frank Fernandez
Boston, MA 02114
Washington University School of Law
Robert Setterbo
Suite 302A
Boston, MA 02109
University of San Diego School of Law
Dennis Benzan Esq.
Roger Williams University School of Law
Robert D. Lewin
Boston University School of Law
Yuliya M. Fisher-Nayyer
Suite 301
Natick, MA 01760
Rutgers School of Law-Newark
Michael L. Rich
Unit 21
Waltham, MA 02452
Howard University School of Law and Northeastern University
Andrew DiCarlo Berman
Braintree, MA 02184
Boston College Law School
Jessica Ann Foley
Weymouth, MA 02189
Northeastern University School of Law
Lefteris K. Travayiakis
West Roxbury, MA 02132
Suffolk University Law School
Susannah Brown
Westwood, MA 02090
Emory University School of Law
Aderonke Lipede
Quincy, MA 02169
Boston University School of Law
Attorney Lipede is also the founder and Executive Director of Sanctuary For Justice, Inc. a faith-based civil rights organization.
Brian Waller
Suite 200
Worcester, MA 01608
New England Law | Boston
My firm's approach starts with the client. We are committed to flexibility and working for and partnering with every client in the most efficient way for them. For parents, a mid-day meeting is frequently a big...
Thomas E. Hogan II
Waltham, MA 02451-0616
New England Law | Boston
Steven Charles Goldwyn
Boston University School of Law, Boston, Massachusetts
Theodore Barone
Brockton, MA 02301
Cleveland State University
Lynn L Porreca
Attleboro, MA 02703
University of Massachusetts School of Law
Tracy Galloway
Wrentham, MA 02093
Northeastern University School of Law
Sean T. Hennigan
Massachusetts School of Law
Richard Kendall
North Reading, MA 01864
Massachusetts School of Law
James D. Cormier
Lowell, MA 01854
Suffolk University Law School
Michael A. Contant
Massachusetts School of Law
William Marmion
Salem, MA 01970
Alan Leslie Rosenfield
Westborough, MA 01581
Alan advocates forcefully on behalf of all clients. He is responsive to each client's needs, and is an effective advocate.
Attorney Alan Leslie Rosenfield over the course of his 36 years has successfully represented clients in the Massachusetts Supreme Court; Superior Courts in the Commonwealth involving civil and criminal cases; District Courts in the Commonwealth involving civil and criminal cases; the Juvenile Courts and Clerk's Hearings in Worcester County; Middlesex County; Hampshire County; and Suffolk County.
Attorney Alan Leslie Rosenfield intentionally concentrates in all aspects of divorce; criminal defense; personal injury, including...
Alan Tuttman
Stoneham, MA 02180
Suffolk University Law School
John DeVito
Dedham, MA 02026
Suffolk University Law School
Kevin J. Tagliaferri
Suite 210
Medway, MA 02053
Mass. School of Law
Mr. Robert M. Laren
Blackstone, MA 01504
Ogor Okoye
Lynn, MA 01901
Kelly Belt Scibelli
Quincy, MA 02269
New England Law | Boston
Jennifer L. Andrade
North Andover, MA 01845
Michael Tucker
Newburyport, MA 01950
Corey R. Cutler, Esq.
Boston, MA 02110-1510
New England School of Law
Peter John Fellman
Boston, MA 02108
New England School of Law
Alan Levine
Andover, MA 01810
John F. Libertine
Attleboro, MA 02703
Juvenile Lawyers in Nearby Cities
Juvenile Lawyers in Nearby Counties
Related Practice Areas
Need a lawyer?
The Justia Lawyer Directory is a listing of lawyers, legal aid organizations, and pro bono legal service organizations. Whether you were injured, are accused of a crime, or are merely engaging in everyday affairs that affect your legal rights or property, an attorney can help you resolve problems or prevent new ones from arising.
Here are just a few situations where you might want to seek the advice of an attorney:
- You were injured in a car or truck accident
- You have been arrested and charged with a crime, such as DUI or shoplifting
- You are considering separating from your spouse
- You have been subjected to harassment or other discrimination at work
Use Justia to research and compare Lunenburg attorneys so that you can make an informed decision when you hire your counsel.
It is important to research an attorney before hiring him or her. Be sure to evaluate an attorney's experience (types of cases handled, prior results obtained, etc.). Although prior results are not indicative of the likelihood of success in your case, they can help you make an informed decision.
Also worth serious consideration is the attorney's location, particularly if you will be traveling to visit him or her for consultations.
Finally, research an attorney to see whether he or she has ever been subject to discipline. Although disciplinary actions do not necessarily impact the attorney's competence to handle your case, they may affect your decision whether to hire.
Researching Attorney Discipline


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NBA Capsules
CLEVELAND (AP) D.J. Augustin scored 27 points in a start for Kirk Hinrich and Taj Gibson matched a career high with 26 filling in for Carlos Boozer as the Chicago Bulls improved to 7-2 since trading Luol Deng with a 98-87 win over the Cleveland Cavaliers on Wednesday night.
Augustin and Mike Dunleavy hit 3-pointers down the stretch to pace the Bulls, who at 21-20 moved over .500 for the first time since Nov. 22.
Deng went just 2 of 11 from the field in his first game against Chicago. The Bulls dealt the two-time All-Star forward to Cleveland on Jan. 6 for future draft picks.
Kyrie Irving scored 26 to lead Cleveland, which has dropped the first two games of a five-game homestand.
SAN ANTONIO (AP) – Kevin Durant had 36 points to offset Tony Parker's season-high 37, and the Thunder survived a testy victory over the Spurs for their third win this season over the defending Western Conference champions.
Reggie Jackson had 27 points and Serge Ibaka added 14 points for Oklahoma City (33-10), which reclaimed the West's best record.
Tim Duncan and Boris Diaw scored 14 points each and Duncan added 13 rebounds, but San Antonio (32-10) struggled to overcome the loss of their top defensive stopper, Kawhi Leonard.
Leonard left the game late in the first half after sustaining a non-displaced fracture in his right hand. His status was not yet known.
PHOENIX (AP) – Gerald Green scored 23 points against his former team, leading six Phoenix players in double figures, and the Suns snapped Indiana's five-game winning streak by handing the Pacers their most one-sided loss of the season.
Indiana, owner of the NBA's best record (33-8) and the league leader in scoring defense and field goal percentage defense, gave up the most points it has all season.
Goran Dragic scored 21, Markieff Morris 20, P.J. Tucker 13, Miles Plumlee 11 and Channing Frye 10 for the Suns.
Paul George scored 26, George Hill 16 and David West 13 for Indiana.
ORLANDO, Fla. (AP) – Paul Millsap had 24 points, Jeff Teague added 23 and the Hawks hung on to beat the Magic.
Atlanta opened a 19-point lead in the third quarter, but lost it the fourth before coming back to hit six free throws in the final 40 seconds for the win.
Victor Oladipo led Orlando with 24 points. Tobias Harris had 19 points and 12 rebounds, and Jameer Nelson finished with 17 points.
The Magic have lost 12 of 13, and fell to 1-14 this season without starting center Nik Vucevic, who continues to recover from a concussion.
TORONTO (AP) – DeMar DeRozan scored a career-high 40 points, Greivis Vasquez had 17 and the Raptors snapped a two-game skid by beating the Mavericks.
Jonas Valanciunas had 12 points and 10 rebounds for the Raptors, who overcame a 21-point, first-quarter deficit.
Monta Ellis had 21 points and Jose Calderon and Brandan Wright each had 13 for Dallas, but the Mavericks hurt themselves with 21 turnovers, including nine in the fourth quarter.
Dallas played without forward Dirk Nowitzki, who got the night off to rest as the Mavericks played for the 11th time in 18 days.
CHARLOTTE, N.C. (AP) – Al Jefferson had 24 points and 10 rebounds to lead the Bobcats to their first win over the Clippers in their last seven tries.
The veteran center was 12 of 23 from the field as the Bobcats won for the third time in their last four home games.
Gerald Henderson scored 13 points and put the Bobcats ahead for good with 22.5 seconds left with a dunk off Ramon Sessions' air ball.
Blake Griffin was dominant early on and finished with 27 points, but was 0 for 4 from the field in the fourth quarter. Jamal Crawford had 20 points for the Clippers, who fell to 11-12 on the road.
WASHINGTON (AP) – Gerald Wallace made a driving layup with 2.5 seconds remaining in overtime and the undermanned Celtics broke a 10-game road losing streak with a win over the Wizards, who wilted yet again in their long and laborious quest to get above .500.
Jeff Green scored a season-high 39 points, including career highs in 3-pointers attempted (16) and made (8), and rookie Phil Pressey added a career-high 20 points for Boston. The Celtics played without Rajon Rando, Avery Bradley and Jerryd Bayless and blew a 19-point first-half lead before winning for only the second time in 14 games.
John Wall had 28 points, 11 rebounds and 10 assists for his second career triple-double for the Wizards, who haven't won a game to move above .500 since Halloween 2009.
NEW YORK (AP) – Evan Turner scored a career-high 34 points and grabbed 11 rebounds, leading the 76ers to a victory over New York that snapped a three-game skid and sent the Knicks to a fifth straight loss.
Michael Carter-Williams and Thaddeus Young each added 19 points for the 76ers, who won for just the second time in nine games. James Anderson finished with 18 points.
Carmelo Anthony scored 28 points after a slow start for the Knicks, who were at least competitive after losing the previous four by a combined 75 points.
HOUSTON (AP) – Dwight Howard and James Harden combined for 50 points in just three quarters to help the Rockets cruise to their third straight win.
Howard had 26 points and 13 rebounds and Harden added 24 points with nine assists before the pair went to the bench for the fourth quarter.
The Rockets took the lead midway through the first quarter and didn't trail again. The Kings struggled after losing top scorers Rudy Gay and DeMarcus Cousins to injuries before halftime.
Gay, who tied a career high with 41 points on Tuesday night, injured his left Achilles tendon in the first quarter and Cousins sprained his left ankle in the second.
Derrick Williams scored 22 points with 11 rebounds and Isaiah Thomas added 20 points for the Kings.
MILWAUKEE (AP) – Caron Butler scored 30 points and the Milwaukee Bucks rallied from a 13-point deficit in the third quarter for a victory over Detroit that snapped a nine-game losing streak.
Brandon Knight added 16 points against the team that traded him in the offseason and backup center Miroslav Raduljica had eight points and eight rebounds.
The Bucks trailed 76-63 in the third quarter, largely due to Brandon Jennings, who finished with 30 points.
Josh Smith missed two foul shots with about 5 seconds left, and Rodney Stuckey missed a desperation 3 at the buzzer to tie.


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Indicative Rate * AU$75.00 to AU$145.00
The First Lady of Charters Towers was built in 1888, the Royal is now a family owned and run Hotel offering a warm, friendly and relaxed atmosphere. Situated in the heart of the township, the Royal is within a short walk to shops, restaurants, medical centre, visitors information centre and licensed venues.
Charters Towers is a one and a half hours drive west of Townsville.
The Wedding Suite. Memories are made of this. Relax in a scented spa bath sipping champagne.
Single or Double Rooms have television, air-conditioning and fridge All rooms are serviced weekly.
The Royal Private Hotel offers two Family Ensuite Rooms.
One with King size bed for mum and dad, single beds for youngsters and cot for the baby. Comfort toys and books are available in the room.
Room two features two single beds, a separate room for the teenagers with their own television and king size bed for mum and dad also with their own television to relax and unwind.
Note: Information on listed products and services are provided by the operator and were correct at the time of publishing. Rates are indicative based on the minimum and maximum available prices of products and services. Please visit the operator's website for further information. All prices quoted are in Australian dollars (AUD).


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- Credit Cards
- Phone
- Keys
- Gloss
{O}verly {O}rganized Tip
Grab it and GO!
Use this size to run errands with just your essentials…credit cards, phone & keys. Add the 12" Removable Strap to make a wristlet or an armlet or the 48" Removable Strap for a crossbody. You can also use the 12" Removable Strap to keep your valuables safe by hooking it directly to your tote or around the handle. AND Sports Fan, this bag is stadium approved! GO!
The Dets
5"W x 8"H
Brass zip top closure with custom brass knot pull
Vegan waterproof leather
Wipe clean waterproof lining
Exterior hooks for removable strap
Includes 12" and 48" Removable Straps
Standard Delivery $9.00
- Packages usually arrive between 3-7 business days.
- Shipments to Alaska, Hawaii, and US Territories take additional time.
- We do not ship to P.O. Boxes.
3-Day Delivery $25.00
- Packages usually arrive within 3 business days if the order is placed before 2 pm (ET).
- We do not ship to P.O. Boxes.
Next Day Delivery
- Estimated Delivery 1 Business Day if the order is placed before 2 pm (ET).
- We do not ship to P.O. Boxes.
We are not currently shipping internationally; however, we will do our best to accommodate your request. If you have an international inquiry please contact us at firstname.lastname@example.com
Return Policy
We want you to be HAPPY! In the event you are not 100% satisfied, you may return, exchange or credit your purchase. Please follow the guidelines below.
- Items should be returned new, unused in original packaging and with all tags still attached. We may not accept merchandise, which is not received in the above specified conditions. Furthermore, to ensure that your return is adequately protected in transit, we recommend you send your items back to us in the original packaging provided. Please insure your shipment as lost shipments are the sender's responsibility.
- Merchandise must be returned within 7 days from the day that you receive your order. After the 7-day return policy, returns can only be exchanged for credit.
- Exchanges must be made within 30 days of purchase.
- Sale and set item purchases are final and cannot be returned for either refunds or exchanges. If original purchase included a bonus gift, bonus item must be returned in order to receive full credit for the original purchase price.
- All returns must be accompanied by a copy of the packing slip included with your shipment. Failure to include this form will result in prolonged processing of your return. Hold onto your shipping receipt and OTG|247 packing slip until you have received your refund or exchange. This receipt is your proof of returning the merchandise.
- Credit card refunds will be issued on the card that was used for the original purchase. Please allow for one or two billing cycles for a refund to appear on your statement.
- To make a return, e-mail us at firstname.lastname@example.com. We will e-mail you a return label. Please securely place the returned item in the original carton and ship it back to us. All items are subject to inspection once received. You will be notified once your return has been approved and processed. Please note there is a 10% restocking fee on all returns.
- If you purchased your products at an OTG|247 stockist, you must return or exchange those products directly with the stockiest. We cannot offer refunds or exchanges on product not purchased online at www.otg247.com.


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It took Nintendo years to reach Wii production levels that could satiate the public, and now that they have, Nintendo needs to scale back production, hard.
According to a report on Nikkei, Nintendo partner manufacturers Mitsumi and Hosiden have suffered a drop in net profits of more than 50% due to waning demand. So steps are being taken to scale back Wii production appropriately.
But you have to wonder, after Nintendo went through multiple holiday seasons without enough Wiis on store shelves, did such hype solely help the system, or did Nintendo eventually lose sales that they'd never get back? [Nikkei via Kotaku]


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Gatekeeper – Cedar Point's 2013 Roller Coaster
UPDATE 8/13 – Cedar Point is scheduled to announce their new roller coaster today. See images and read about Cedar Point's 2013 wing coaster Gatekeeper.
UPDATE 5/30 – News of Cedar Point's planned wing roller coaster broke today. The ride will cost $25 million and it'll be the largest of it's kind.
Read more here: Cedar Point to Build a Wing Roller Coaster in 2013
It's rumor time again. The Coaster Capital (that's technically no longer the capital), is not only opening without a new coaster for 2012, but it's also removing one before opening. Last week, the park announced WildCat's swift closure and demolition. The park explained that the ride was being removed to make way for the expansion of the Celebration Plaza area.
Of course, this kind of move is going to stir up the roller coaster rumor mill. But what do you build in a theme park that has everything? With 16 roller coasters they've got many of the major ride types covered. They've got woodies, an inverted coaster, a suspended coaster, three launch coasters, two kiddie coasters, a twin racing coaster, a mine train coaster, a bobsled coaster, a stand-up coaster, a hyper coaster, a giga coaster, a shuttle coaster, and an old-school looper.
The latest rumor from Screamscape references green B&M track that's been spotted at the Ohio plant. The popular thinking is that Cedar Point could be looking to add a Wing Coaster like Wild Eagle and X-Flight. I'd be fine with that, but I'd really rather seem them give Mean Streak the Rocky Mountain topper track before they build anything new. In my opinion, woodies are a big hole in Cedar Point's vast lineup.
See a complete list of Cedar Point's roller coasters.
What's your take? Which type of roller coaster would like to see at the Point? Vote in the poll and leave a comment below.Image used with permission via CoasterImage.com. Sorry, there are no polls available at the moment.


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Questions and answers about the Reserve Health Readiness Program.
How far in advance do I schedule an event?
All finalized information should be submitted to RHRP a minimum of 14 days prior to the date of the event.
How do I schedule and submit an event?
USAR and ARNG have the option of entering an event voucher in the Army's Automated Voucher System (AVS). All other branches should contact the IMR Department at RHRP at 1-800-666-2833, ext 3508 for assistance.
What are the minimums required to schedule a group event?
The per day group number minimums are as follows:
What if I do not meet the minimums for a group event?
If you do not meet the minimum for a service, contact RHRP at 1-800-666-2833, ext. 3508. USAR and ARNG may also submit individual vouchers in AVS.
Can units combine for a group event?
Yes, but units must be within the same branch of service.
How do I submit/cancel an individual voucher?
Individual vouchers must be submitted through AVS for USAR and ARNG. All other branches should contact their command for further guidance on how to submit a voucher. To cancel a voucher, contact RHRP Customer Service at 1-800-666-2833 ext. 3555.
How do I submit/cancel a group event?
Group events must be submitted through AVS for USAR and ARNG. All other branches should contact their command for further guidance on how to request a group event. To cancel a group event, contact your event coordinator or contact IMR at 1-800-666-2833, ext 3508.
What can cause a delay in completing a PHA?
Additional services may be needed, such as follow-up audio (Comprehensive Audiology Exam - CAE), blood draws or EKG.
What happens if a Service member gets a bill for RHRP services?
Please contact the RHRP office at 1-800-666-2833, ext. 3555.
Where do I find the pricing for RHRP services?
Please contact the program manager for your branch of service.
How do I get a copy of my Service members' PHA or dental exams?
Please refer to your Service Component module (e.g., MRRS, PIMR, MEDPROS, PHA or DenClass) or medical readiness coordinator.
How do I update my contact information (e.g., phone, address, etc.)?
Please contact the RHRP IMR Department at 1-800-666-2833, ext. 3508. Also, do not forget to update other military databases such as DEERS.
How do I get a service expedited?
In very rare instances (e.g. very short notice deployment to a disaster site) you can get services expedited.
I'm in the Army. How do I get write access for MEDPROS?
Contact your command for this access. The MEDPROS Help desk is at 1-703-681-4976.
What actions should I take if I encounter any issues during a group event?
What are the cancellation and no show policies?
What services do you provide for civilians?
As this point, RHRP conducts PDHRAs for Army Corps of Engineers and Army Installations Command civilian employees who have returned from deployment.
How do I get my PDHRA completed?
You can find the PDHRA on AKO. Complete your portion there and then call the PDHRA Call Center, which is available 24 hours a day/ 7 days a week at 1-888-734-7299, option 3.
I was told by my Commander that I need a PDHRA. What do I do?
First, complete the Service member portion of the PDHRA on your Service-specific website. Then, call the toll free PDHRA call center, which is available 24 hours a day / 7 days a week at 1-888-734-7299, option 3.
How do I schedule my individual medical or dental services?
Call Customer Service at 1-800-666-2833, ext. 3555. The call center is open Monday-Friday 0700-2200 or Saturday 0700-1500 CST.
How do I start my PHA?
For USAR only, and only for an in-clinic appointment: you need to start the process on your AKO site. Complete the Service member portion and call Customer Service at 1-888-697-4299 to schedule the face-to-face appointment. If you are having problems accessing your AKO site, call the number above and complete the Service member portion over the phone.
If you are getting your PHA at a group event, you should not complete the AKO portion of the PHA as this information will be obtained at the event.
All other branches contact your command.
What is a CAE?
A Comprehensive Audio Evaluation (CAE) is more than just an audiogram and is used to determine the hearing portion of the PULHES when a possible loss of hearing has been identified. The CAE includes a bone-density screening and can also include a SPeech Recognition In Noise Test (SPRINT) if needed.
How do I get a copy of a service that I completed through the Reserve Health Readiness Program?
Please contact your Command's IMR representative and have them follow up with RHRP.
I have a profiled PHA. How do I get my PULHES changed?
If you are in the USAR, your unit administrator needs to call your RSC. If you are in the ARNG, your unit administrator should contact the DSS for your state.
What do I need to bring to my clinic appointment?
RHRP will send (by Federal Express) a package of paperwork and/or supplies to you prior to your appointment. Please review and complete all necessary paperwork before the scheduled appointment and bring all materials with you. Also bring any relevant medical documentation (i.e., MRB, profiles, etc.) and your prescription eyeglasses if attending a PHA.
Do I have to wear my military uniform to an appointment?
You do not need to wear your uniform to an in-clinic appointment; however, contact your Command's IMR representative for direction during a battle assembly.
Where will my appointment be scheduled?
It will be scheduled within 50 miles of your preferred zip code (i.e., home of record, work, unit etc.).
How do I get records updated if services were not performed by RHRP?
For USAR service members, please log into LHI.Care and select the Request Records Update button on the bottom of the home page once you have logged in. Either a scanned image or a photo of the record can be used. Clicking on the appropriate service will provide a list of minimum requirements needed on the documentation. Form validation is built into the process to ensure the proper collection of all information that is needed to update the Army system(s).
For USAR Unit Leadership, please go to https://www.logisticshealth.com/historicalupdates and complete the website information required for submission of information. Either a scanned image or a photo of the record can be used. Clicking on the appropriate service will provide a list of minimum requirements needed on the documentation.
For all other Components, contact your unit for guidance on how to update your records.
How do I find out what immunizations I am due for?
Contact your Command's IMR representative for a MEDPROS lookup.
Is RHRP an insurance program?
No, RHRP is a DoD program designed to deliver medical and dental readiness services for the U.S. military.
What happens if I refuse services at an appointment or a group event?
If you have documentation to show you've had the service, you should make a copy and give it to the provider. If you just don't want the service or are unsure if you need the service, you should contact your Command's IMR representative for guidance before refusing the service, as there may be repercussions with your command for doing so.
What is RHRP?
RHRP is the Reserve Health Readiness Program which has been developed by the Department of Defense (DoD) to deliver medical and dental readiness services to the United States military.
To what branches does the RHRP provide services?
Does the RHRP also serve active duty service members?
RHRP provides Post-deployment Health Reassessment (PDHRA), Periodic Health Assessment (PHA), and Individual Medical Readiness (IMR) services to active duty members in selected Service branches who are geographically remote from military medical facilities.
Does the RHRP also serve DoD civilians?
RHRP conducts PDHRA assessments for Army Corps of Engineers and Materiel Command civilians who have returned from deployment.
What services are available through RHRP?
Please contact your command for branch specific information. Most services are available individually or at group events.
Is there a call center for the RHRP?
Yes, the phone number for the call center is 1-800-666-2833, ext. 3555. The call center is open Monday-Friday 0700-2200 and Saturday 0700-1500 CST. In addition, RHRP offers an MHA and PDHRA call center (1-888-734-7299) which is available 24 hours a day, 7 days a week.
What is PHA?
PHA is a Periodic Health Assessment. The PHA is required on an annual basis; it replaced the five year retention physical.
What is PDHRA?
PDHRA is the Post Deployment Health Reassessment (required 90-180 days post-return from deployment).
How do I get records updated if dental or immunization services were not performed by RHRP?
For these services (ARNG and USAR only), send the appropriate documentation via email or fax it to 1-888-628-0099. RHRP will update MEDPROS or let you know if the document is not acceptable.
Which immunizations are routine and which are for deployment?
What services are annual?
Annual services include the flu vaccine, dental exam and the PHA, to include vision screening. Audio screening may be annual depending on your branch of the military (please contact your command).
What's the difference between a vision screening and an eyewear exam?
Vision screening will determine if you need prescription eyewear. An eyewear exam is to determine the needed prescription and fill the prescription (two pair and mask inserts).
Why are vouchers sometimes automatically entered by RHRP?
For certain services, USAR and ARNG have requested automatic further evaluation based on results from a previous appointment.
What constitutes a no-show?
A no-show is when a Service member misses an appointment or does not call RHRP at least 24 hours prior to the appointment to cancel or reschedule the appointment.
What should I do if I have a concern about RHRP services?
Let RHRP know. The best ways to do so are by expressing the concern on a customer satisfaction survey or going through your command structure. Alternatively, you can also send us an email message.
Is there a cost for RHRP services?
There is no cost to you for authorized services. RHRP services are paid for by your Service Component. If you have specific questions about costs or charges, please contact your medical readiness coordinator.
DHA Address: 7700 Arlington Boulevard | Suite 5101 | Falls Church, VA | 22042-5101
The appearance of hyperlinks does not constitute endorsement by the Defense Health Agency of non-U.S. Government sites or the information, products, or services contained therein. Although the Defense Health Agency may or may not use these sites as additional distribution channels for Department of Defense information, it does not exercise editorial control over all of the information that you may find at these locations. Such links are provided consistent with the stated purpose of this website.


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Folsom Real EstateCommunities within Folsom
The Historic District, known by locals as the Heart of Folsom, came into being in the 1850's where gold prospectors, settlers and the Pony Express rode through the center of town. Today the Historic District hosts over 80 distinctive shops, store fronts, and restaurants, retaining its historical charm.
Located in Sacramento County, Folsom is characterized by diverse neighborhoods that offer a variety of options for today's homebuyer. From established homes on tree-lined streets to new smart homes built with the latest technology, Folsom provides modern appeal in a suburban setting. Folsom was named the #1 City in California in which to put down roots in a study by WalletHub. Top ranked schools in the area make Folsom a strong draw for families.
Locally renowned as the destination for recreational activities, Folsom has over 34 miles of paved walking, biking and equestrian trails. Outdoor enthusiasts can enjoy sailing, boating and swimming at Folsom Lake and Lake Natoma, with options for white water rafting, kayaking or fishing on the American River. Folsom's aquatic center, sports complex, and parks provide additional outdoor opportunities for residents of all ages. For a weekend getaway, Folsom is ideally located near Lake Tahoe for world-class ski resorts and beaches.
Folsom offers family-friendly excursions featuring The Folsom Zoo Sanctuary, working steam train, and Folsom public library. Popular among residents, the Harris Center for the Arts at Folsom Lake College is a great place to enjoy high quality art, theatre, concerts, and dance performances. Larger community events include fall festivals, classic car shows, and brew fests.
The city is also home to many businesses, including the largest employer in the Sacramento area. Nearby shopping centers and lifestyle centers provides residents and professionals necessary amenities without traveling far. For the commuter, the city's light rail station provides convenient access to downtown Sacramento.
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Publications Tagged: civilian control
- Added May 01, 1994
- The Owl of Minerva Flies at Twilight: Doctrinal Change and Continuity and the Revolution in Military Affairs. Authored by Dr. David Jablonsky.
- Revolutions in military affairs have never been strictly military phenomena. Social and political transformations in the past have also been major and often catalytic ingredients of such revolutions.


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About Aaron *Head* Moss
A politician that lies... never.
By the way... Welcome to America.
Thanks. I just found my new Facebook post to "warn" people of "dangerous" things.
I'm sure Mike has an opinion on the matter. I haven't read enough of his articles on the matter to know EXACTLY how he feels, but the way I see it, it's not that he's actually AGAINST copyright, but he's against the abuse of copyright that's been going on.
I've never said he's lying about anything. That's on you. The articles I've read are usually no so much anti-copyright, but anti-copyright abuse.
And he's written several times (whether he believes it or not is not my concern) that he believes in copyright, but not the way it's currently being handled and the way that the MPAA/RIAA runs roughshod over the everyday people's concerns, wants and needs.
And while I might not agree 100% with everything that Mike says, I agree with enough of it, to keep reading his articles.
Now if it gets the point where I believe Mike is lying and all of his articles are BS, then I'll go elsewhere, because honestly, I have more important things to do with my time/life then spend time on a site that I think is being run by someone so dishonest.
If you have nothing better to do with your life, then I guess you can feel free to continue to rant and rave and tilt at the windmills.
My question is, if you find Mike so dishonest why come to "his" website?
Seriously. If I find a site and I feel the owner or one of the admins are dishonest and resort to lies all the time, I'll find somewhere else to hang my hat.
So my question to you is, why do you care so much about Mike and what he writes?
Opening up the possibility of more DMCA notices regarding the live streamed Jello grudge match.
Way to go AC.
No, no, I am drunk. No may be about it. 8)
Doe this mean that we can misquote Churchill and blame it on trying to save a few bucks?
"I may be ugly."
"Success is fatal."
"Give up."
Sorry couldn't afford the full quotes.
And if they had deleted the files, then the DOJ would have added "Destroying evidence" to the charges and used that fact to claim Kim knew he was doing wrong....
Can't win for losing.
And yet here you are replying to it.
If Mike is soooo bad, you must be so much worse actually reading his articles and wasting your time posting on them.
I've been somewhat reading your posts on here for awhile. I'm not quite sure what's going on, but you're acting like a spurned lover.
Did "Pirate Mike" spurn your affections towards him?
Is that the reason for all this stupidity?
Just curious.
Just so you know A Dan, I'm a dirty pirate... what's the other thing, oh yeah Freetard (or something like that).
I'm going to steal this and post it on my FB.
Seeing as how I think we've already had #5 in a president (not looking at you Bill... ok, I am).
And rumors #1 (not that I'm a JFK conspiracy nut)....
I'm fully behind 2-4.
So, I don't really see a problem here DH.
If I'm not mistaken I had heard that an earlier comic book movie (maybe X-Men 3 or X-Men Origins: Wolverine) had two or three different bonus scenes, and it depended on which theater you saw the movie in, was the extra scene you saw.
Not sure, but I heard that somewhere...
Also, what's to stop you from downloading the track and listening to it at home (either from a pirated version or when it comes out on DVD)?
Why hasn't PETA just been shut down yet?
I swear. The stupid is strong with them...
I guess God really does favor the retarded...
Seems to me that there should be some sort of penalty imposed on EOLA for falsely using.
If they've already been told that their patent is invalid, and they try to sue someone else on the same grounds, that's gotta be a crime, right?
Close enough... 8)
And cue the "Mike The Pirate" haters in 3,2,1....
Yeah, this sounds much like SOPA reborn. Now instead of shutitng down "infringing" sites without due process, it's shutitng down "smut" sites without due process.
And who determines if it's "smut"?
So much for smaller government.......
I agree 100% (not that it matters if I do or not).
If they're not saying that she loved it or she recommends it, just that she used it, I don't see how anyone can stop them (as long as it's true).
It's stating a fact. While it also "unoffically" endorses them, that's just a side benefit.
I say that the Julia Child Foundation (or whatever they're called), go fark themselves. Just greedy bastiches trying to get money off of someone else's hard work.
I was going to say, $11 for working at a theater? That's not bad money nowadays.....
I mean it's not great, but that's way more than minimum wage.


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1st Floor, 138 A, Taimoor Nagar, New Friends Colony, New Delhi, India
We are 'New Delhi', India based professional window and facade cleaning service with 10 years experience working in the industry.
List your business FREE!
Listing your business on this directory only takes a few minutes. 1. If you have used this site before then please check first to see whether your business is already listed. My ...READMORE
Window Cleaner Directory receives an overhaul..
Window Cleaning Resources are pleased to announce that this No.1 ranking WINDOW CLEANER DIRECTORY has now been given an impressive overhaul. You can now edit your listing upload your logo, include ...READMORE
Water Fed Poles - Why?
It's quite likely that your window cleaner currently uses this method of cleaning your windows and has already explained to you the benefits of using pure water systems. As with ...READMORE
Are ladders banned?
When the new WAH regulations came into force in April 2005 rumours began to spread of a ladder ban. Is that the case? The short answer is NO. However, ladder use shou...READMORE
Hot cups of tea
Let a friendly window cleaner brighten up your day! A good window cleaner knows that customer care and rapport is important. You should find your window cleaner to be ...READMORE
Choose a professional!
You may pay more for a professional, but you are likely to have a lot less problems with the service. From what you have read so far regarding insurance, safety, honesty ...READMORE
Rain or shine
Help your window cleaner be reliable by giving permission to work regardless of the weather.. The weather doesn't make it easy for the window cleaner to keep a strict work ...READMORE
Honesty is the best policy
If your window cleaner is stealing from the tax man, How do you know he won't steal from you? Most window cleaners are hard working, tax paying honest men that earn ...READMORE
Safety first!
Ladders are not banned or illegal but should be used sensibly and appropriately. Window cleaning has always been known to be a high risk job. Running up and down a ladder ...READMORE
Are they insured?
If your window cleaner does not have public liability insurance, think seriously about changing to a window cleaner that does. Imagine if the window cleaner drops his heavy ladders or pole ...READMORE
More in: Information


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CINCINNATI (AP) -- Venerable country music star Willie Nelson is among the latest acts announced for a summer music festival in Cincinnati.
Organizers of the new Buckle Up Festival say Nelson, Jamey Johnson, The Railers and Alison Krauss and Union Station featuring Ohio native Jerry Douglas are now on the bill. Among those announced earlier were The Band Perry, Alabama, and the Eli Young Band.
The July 18-20 festival along the Ohio River in Cincinnati will feature country, folk, bluegrass and roots rock music among other genres.
The 80-year-old Nelson, whose many hits have included "On the Road Again," ''Always on My Mind," and "To All the Girls," performed Sunday night at the Grammy Awards show with Kris Kristofferson, Merle Haggard and Blake Shelton.


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- Company Also Secures $10 Million Senior Secured Loan Agreement from Northlight -
WESTFIELD, N.J. & LISBON, Conn.--(BUSINESS WIRE)-- Digital Cinema Destinations Corp. (NasdaqCM: DCIN), a fast-growing motion picture exhibitor dedicated to transforming movie theaters into digital entertainment centers, today announced that it has completed its purchase of the state-of-the-art, fully digital Lisbon Landing Cinema 12 in Lisbon, CT, as described more fully in the Company's press release issued July 9, 2012. This acquisition expands Digiplex's footprint to 9 cinemas and 85 screens. Digiplex also announced that it received a five-year, $10 million senior secured term loan from Northlight Trust I. The loan proceeds were used to fund the Lisbon acquisition, to pay Barco, Inc. for digital projection systems previously installed in 48 Digiplex auditoriums in Pennsylvania, for fees and expenses associated with the loan, and to provide working capital.
Digiplex Chairman and CEO Bud Mayo stated, "Today's news is consistent with our goal of adding highly successful regional theaters to Digiplex's theatrical circuit as we continue to further expand our geographical reach into a majority of the country's top 100 DMAs, eventually reaching a target of approximately 1000 screens. Since April, Digiplex has more than quadrupled its screen count and the Company intends to continue its rapid growth in the coming year. As with other acquisitions, we will bring a wealth of alternative programming to the Lisbon facility, utilize our social media outreach expertise to forge an interactive relationship and dialog with local customers and potential patrons, while also benefiting from adding these well-attended screens to our minimum guarantee advertising agreement with NCM. Additionally, we are also pleased to forge the new financing arrangement with Northlight, and are grateful for their long-term commitment to Digiplex and its growth strategy."
Disclosure Regarding Forward-Looking Statements
This press release and other written or oral statements made by or on behalf of Digital Cinemas Destination Corp. may contain forward-looking statements within the meaning of the federal securities laws. Statements that are not historical facts, including statements about our beliefs, expectations and future performance, are forward-looking statements. Forward-looking statements are only predictions and are not guarantees of performance. These statements are based on beliefs and assumptions of management, which in turn are based on currently available information. The forward-looking statements also involve risks and uncertainties, which could cause actual results to differ materially from those contained in any forward-looking statement. Many of these factors are beyond our ability to control or predict. Risk factors are disclosed in our Form 10-K under the caption "Risk Factors." We believe these forward-looking statements are reasonable; however, undue reliance should not be placed on any forward-looking statements, which are based on current expectations. Further, forward-looking statements speak only as of the date they are made, and we undertake no obligation to update publicly any of them in light of new information or future events.
About Digital Cinema Destinations Corporation (www.digiplexdest.com)
Digital Cinema Destinations Corp. (NasdaqCM: DCIN) (Digiplex) is dedicated to transforming its movie theaters into interactive entertainment centers. The Company provides consumers with uniquely satisfying experiences, combining state-of-the-art digital technology with engaging, dynamic content that far transcends traditional cinematic fare. The Company's customers enjoy live sports events, concerts, conferences, operas, videogames, auctions, fashion shows and, on an ongoing basis, the very best major motion pictures. Digiplex operates nine cinemas and 85 screens in PA, NJ and CT. You can connect with Digiplex via Facebook, Twitter, YouTube and Blogger. Digiplex is also participating in DigiNext, a unique, specialty content joint venture (with Nehst) featuring curated content from festivals around the world. DigiNext releases typically include innovative live Q&A sessions between the audience and cast members.
Digital Cinema Destinations Corp.
Bud Mayo, Chairman/CEO, 908-396-1362
Robert Rinderman or Jennifer Neuman
Source: Digital Cinema Destinations Corporation


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Using Outlook Web Access in Firefox
This article is no longer maintained, so its content might be out of date.
When accessing Outlook Web Access with Firefox, the "Premium" interface (which contains the most features) isn't available. The "Basic" or "Light" interface works in Firefox, but is missing features and may contain bugs. There are no settings or extensions to make Firefox run Outlook Web Access in the same way Internet Explorer does.
Newer versions of Outlook Web Access include better support for Firefox, so you can suggest that the administrators of the site update to the latest version. As a workaround, Windows users can use Internet Explorer to access Outlook Web Access.
In addition, there may be third-party Firefox extensions that can help you. For more information on searching for and installing extensions, see Find and install add-ons to add features to Firefox.


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Katy Triathlon at Firethorne
The October 30th race will include a 500 meter swim, 16 mile bike ride, and a 3 mile run.
Space is limited to 900 racers.
Katy Triathlon registration is open and continues through October 25. Packets must be picked up either Friday, October 28, from 5:00 to 8:00 pm, or Saturday, October 29, 11:00 to 6:00 pm at the Hilton Garden Inn, 2409 Texmati Drive, Katy, TX (located in front of the Katy Mills Mall).
Any unclaimed packets after this time will be sold.
This is a USA Triathlon sanctioned event and membership is required. USA Triathlon official rules will govern this event. The Invitational Division is for those triathletes who have finished top 3 overall or won their age group at any Texas triathlon in 2011. Proof of placing must be furnished to race director. They will be the first wave to start the race.
The complete fee structure and deadlines are posted on the event website, www.katytriathlon.com.
October 30, 2011, 7:30 am (Transition opens at 5:30 am and closes at 7:15 am for the 7:30 am start)
28100 N. Firethorne Road
Katy TX, 77494
Take I-10 West and exit Pin Oak to FM 1463, Firethorne will be on your right.


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Why? This article is my response to this week's story about Tommy "Shooney" Jones Jr. that was printed in The News-Democrat. [Oct. 15, 2008, Page 1.]
It breaks my heart how so many times in a small town people love to print all of the dirty laundry and negative things about people before they have all the facts.
If you currently subscribe or have subscribed in the past to the The News-Democrat, then simply find your account number on your mailing label and enter it below.
Click the question mark below to see where your account ID appears on your mailing label.
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