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>> Opinion
>> Letters
LETTER: Academics come last in the Clark County School District
Letting kids slide by without basic skills.
Samuel Hwang Las Vegas
Erik Verduzco / Las Vegas Review-Journal @Erik_Verduzco
As a junior attending Clark High School, I frequently have the opportunity to tutor others. Recently, I encountered a fellow junior who needed help with Algebra I. And yet I found a far greater problem than one of just x's and y's. This particular junior could not even reliably add double-digit numbers such as 17 + 34. Nor could he say the alphabet in order after the letter "g."
Recently, the Review Journal reported that the Clark County School District class of 2021 had a graduation rate of 80.94 percent. This means that 20 percent of our students — one out of every five who enters our schools — fails to learn the basic skills that they will need for life. How will they know when others are using their illiteracy to force them into signing harmful contracts? How will they know when they are being cheated out of their rightful pay?
For too long we have ignored this problem in our school district. Rather than attempt to ensure these students have the skills they need to thrive, the leaders of the district have allowed these students to advance through courses even if they have not learned the essentials. And, more recently, our leaders have chosen to reform how grades are measured instead of truly improving the education of students.
It is time that we come together as a community to hold our leaders accountable for our students' education and to help all students acquire the basic skills they need so that, truly, "No Child is Left Behind."
Posted on: Letters, Opinion
Tagged: mc-opinion
LETTER: Jan. 6 attack worse than Pearl Harbor and 9/11
William H. Ash Henderson
What could be more disgusting than an attack by a nation's own citizens on one of the most fundamental rights of a democratic republic?
John Plunkett Las Vegas
Why not just hand out aid to the Russia, Iran?
Thomas Kiersted North Las Vegas
It's time for President Joe Biden to stop blaming Donald Trump.
LETTER: US giving aid to Afghanistan
Edward Sutter Las Vegas
I have no issues with support. The question: Where do the funds go?
LETTER: Reader seconds letter-writer's thoughts on local drivers
Joe Schaerer Las Vegas
The Nevada Highway Patrol's lack of presence has been noticeable, and I think drivers are taking advantage of it.
LETTER: Courtesy on the hiking trail
Mary Sue Kunz Las Vegas
Bikers must always give way to others. That is the rule.
LETTER: More evidence we must deal with global warming
Mariah Birnbaum Las Vegas
The numbers: 1.86 inches of rain, 87 days of temperatures above 100 degrees and 117 degrees, the hottest temperature ever recorded in Las Vegas.
LETTER: Jan. 6 and conspiracies
Steven Oakes North Las Vegas
The only people "killing each other on Jan. 6, 2021" was an unnamed Black police officer killing an unarmed white woman.
LETTER: Jan. 6 comparison isn't so far off
Charles Parrish Las Vegas
The attack on the Capitol was conducted by people who claim to be Americans. I find that disgusting and shameful.
LETTER: Supreme Court rules against Biden employer vaccination mandates
Douglas Bell Henderson
Companies can no longer blame the government for policies.


Could an rDNA test reveal Milton's age?
A New Bio Buzzword Company?
I'm sure someone will try to commercialize the new rDNA clock. But because "microbiome" took so many years to join the lexicon of advertising, it may be awhile.
A company might capitalize on the popularity of "epigenetics" or even better, "epigenomics." Tee shirts could sport nucleoli. Branding could be a problem though, for biologists are well known for coming up with pathetic, unpronounceable acronyms: RFLPs; VNTRs; GWAS? SNPs were a happy snappy accident.
For the new clock, the researchers dub the prophetic process of ribosomal DNA methylation "rDNAm." Rdamn? I'm stymied.
Link the light-activated assembly of the microRNA-RNA-peptide #nanocomplex to all biodiversity via Greg Bear's works and his creation of a new human species.
Can you elaborate? I love Greg Bear. Has he published anything recently?


Is Your Puppy Social And Friendly?
It's the last edition of Puppy Tips with T. Bear and this time Teddy's getting a chance to bond with fellow puppy friends. Dog trainer Nicole Larocco from Philly Unleashed says it's important for your dog to socialize with their peers. She says that as puppies, dogs start forming opinions about other dogs, making friends, forming bite inhibition and learning the body language of other can, so it's crucial to socialize them early on. Larocco says this is best accomplished when a variety of puppies of different breeds and sizes are together. The process of getting the dogs together is called 'active socialization,' and it should also be done with other elements of your dog's surroundings, such as elevators and cars. 'Passive socialization' also occurs, usually when your dog is walking around and observing their environment. Larocco says both types of socialization lead to a friendlier (and hopefully tired) puppy. Take a look!
And be sure to tune in to Eye Opener, a Different Kind of Morning News Show, weekdays from 6-8 a.m. on PHL17.


How do I enroll in a public charter school? What is My School DC?
For the vast majority of public charter schools, enrollment is completed through My School DC.
My School DC is a common lottery that determines placement for new students at all participating public and public schools. To view the participating schools, visit My School DC website.
My School DC is an online application tool that is used to apply for participating public charter schools, DCPS out-of boundary schools, PK3 and PK4 DCPS programs and DCPS selective high schools (grades 9-12).
For FAQs on how to apply to My School DC and to keep up with deadlines, visit the My School DC website.


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Renting and Tenant Rights
What Is the Difference Between Easement & Right of Way?
Written by Tony Guerra; Reviewed by Jann Seal, Licensed Real Estate Sales Associate. Former California Real Estate Sales Associate.; Updated December 19, 2018
Easements grant others a right to use your property.
1 Right-of-Way Easements for Private Use
2 Encroachment vs. Easement
3 The Law of Easements
4 What Compensation Do Electric Companies Pay for an Easement?
Your right to own land doesn't preclude others from also having a type of right over your land as well. Easements and rights of way are property rights, in fact, that can grant others a right of use over your property. Easements describe general property rights by others over your land while a right of way describes a specific property right.
One of the best ways to encourage a neighbor to allow an easement is to offer compensation for their loss of sole property.
There are Two Types of Easements
Basically, an easement is the right to use the property of another. Easements come in two types: gross easements and appurtenant easements. A gross easement is a right over use of your property held by a specific individual. Appurtenant easements are a right over use of your property for the benefit of adjoining lands. Gross easements give a right over use of your property to those adjoining lands no matter who owns them. Both are legal permissions attached to the deed of your property.
Establishing Rights of Way
A right of way is an easement that allows another person to travel or pass through your land. There are public and private rights of way but neither affects ownership. The most common form of public right of way is a road or path through your land in order to access a public area. A private right of way is to allow a neighbor to cut through your property to make his access easier.
Defining Easement Categories
Easements fall into two categories, affirmative and negative. An affirmative easement is the most common and allows its holder to do something on another individual's land, such as cross over it. Negative easements prevent something from occurring on a person's land. For example, a negative easement on your land could prevent you from building a high structure that obstructs the view from a building on another's land.
Granting of Easements
An easement, including a right of way, is typically granted by one landowner to another landowner. Generally, easements are granted by will, by deed or by a contract. However, an easement can also be granted by adverse possession, which is known as a prescriptive easement. In real estate, "adverse possession" is often called "squatting." A prescriptive easement is gained by one person's open, notorious, continuous and adverse or hostile use of the land of another.
Know the Effects of Easements
Easements only grant non-possessory rights to use others' lands; they don't grant any ownership rights to them. Right of way easements, for example, don't allow their holders to sell the land of another individual's over which they have the right to travel. Easements can also be terminated through explicit expiration, such as a right of way granted for a period of 25 years. However, an easement on a deed generally remains with the land in perpetuity.
The Balance: Facts About Easements and Rights-of-Way
CourthouseDirect.com: WHAT IS THE DIFFERENCE BETWEEN EASEMENT AND RIGHT-OF-WAY?
Zillow.com: What You Should Know About Easements and Rights-of-Way
Stimmel-Law.com: How to Counter an Existing Prescriptive Easement
Tony Guerra served more than 20 years in the U.S. Navy. He also spent seven years as an airline operations manager. Guerra is a former realtor, real-estate salesperson, associate broker and real-estate education instructor. He holds a master's degree in management and a bachelor's degree in interdisciplinary studies.
Thinkstock/Comstock/Getty Images
Guerra, Tony. "What Is the Difference Between Easement & Right of Way?" Home Guides | SF Gate, http://homeguides.sfgate.com/difference-between-easement-right-way-39362.html. 19 December 2018.
Guerra, Tony. (2018, December 19). What Is the Difference Between Easement & Right of Way? Home Guides | SF Gate. Retrieved from http://homeguides.sfgate.com/difference-between-easement-right-way-39362.html
Guerra, Tony. "What Is the Difference Between Easement & Right of Way?" last modified December 19, 2018. http://homeguides.sfgate.com/difference-between-easement-right-way-39362.html
Differences in Deeded Access & Deeded Easement
Timeshare: Owners' Rights
Who Is Responsible to Maintain an Easement?
What Does Landlocked Mean?
Five Ways to Create an Easement
How Will an Easement Affect Property?
Who Pays Taxes on Easement Land?
Property Owner Rights & Electric Power Easement
Do Timeshares Get Passed on to Children?
State of California Tenants in Common Law
What Are the Standard Exceptions to Title Insurance Coverage?
What Is the Meaning of Deeded Land?

redpajama_set_name: RedPajamaCommonCrawl


Could you please give me a hand to better understand these 3 different types of flycutters ? Have become confused and perhaps misinformed by my internet searches. Would appreciate any commonsense comments debunking any known urban myths that us newbies may not have the skills/knowledge to dismiss.
Alternately any known links or previous threads greatly appreciated.
Flycutter 1 : Utilises a standard boring head, seemed to me to be a clever idea but have read that it can wreck the dovetail on the boring head and that the total amount of stickout below the quill isn't a good thing either. Possibility of the lower dovetail block getting loose and getting thrown off becoming a dangerous projectile ? Would be fairly easy to make this from a solid cylinder of steel thereby avoiding any of the dovetail associated problems.
Flycutter 2 : Traditional shape plus HSS left hand grind toolbit. How/Why did the angled shape evolve ? Is there a best angle ? Why is this better than the orientation of the cutter in Flycutter 1 ? Does this simply relate to your preferred way of grinding the cutting tool.
Flycutter 3: Single carbide bit mounted on a bar, fairly easy to make. Could use a circular carbide insert as well to give more cutting "points". Even easier to simply remove 2 teeth from a standard facing bar , although this seems to be very rarely discussed as an option - why is that please ?. Also possible to use a piece of HSS instead of a carbide insert - this leads to the idea of putting a piece of HSS in a tangential orientation and people claim this can give a much greater depth of cut in small machines.
I have also seen Flycutter_2 using a toolholder that holds a circular carbide bit. Seems to me that if the insert is circular the angled toolholder shape of flycutter_2 isn't necessary.
First anything that uses carbide was originally done with HSS, and before that plain carbon steel. Not everything that can be done with HSS can necessarily be done with carbide though.
Secondly it is often difficult to understand which way the tool is cutting, and hence the required geometry. It looks like it cuts downward (for your photos) but the cut is actually sideways.
Number three is the starting point - dead simple and the tool is anything to hand either screwed into a hole or under a clamp.
Then when you have thought about the cutting direction and want to be posher using a full new square piece of HSS the angled version in 2 reduces the amount of grinding if you get it right.
Number 1 is 'cos you've got one and haven't got round to making 2 or 3.
The heavy cuts and interrupted cuts of a flycutter are not what a boring head is designed to cope with. I would not use that idea except maybe for light cuts in a pinch if I had no alternative.
Not sure I completely agree with you but I do see your point. Boring and facing heads which are just boring heads with more gizzards are often used in the facing mode on areas producing an interrupted cut and do not seem to suffer unduly but I would completely agree they are not good for ploughing off 1/8"! A lot of the "hobby" boring heads are pretty well built though with a good area of slide so as long as the slide is not extended beyond the body (as shown in the picture) it should be fine. A shorter tool would be good though.
As to the OP any design that holds the tool rigidly in the right orientation is fine. I have a couple of examples of a fourth version to muddy the water further! Lumps of round bar, reduced at the top for a suitable shank and profiled (mine are bevelled) at the bottom to give a bit of clearance, drilled at 45 degrees at a suitable size to take old centre drills with a tapped locking screw hole to clamp. Good use for knackered centre drills!! They work fine too. Grinding the right profile on the tool will have a far greater impact than the lump that is holding it!
I"ve often wondered about that.
Bazyle Hopper and Paul - thanks for your help - am off to the shed to see what I can do.
I have a small fly cutter which is a piece of 1 inch silver steel turned with a 1/2 inch shank. It is cross drilled for a 6mm diamiter carbide cutter held in place with a 6mm grub screw. I have ground the end of the carbide so that I can slightly rotate to give different angle of rake more for aluminium less for cast iron it works well for me.
I wondered about that too but in making my flycutter I used the boring head with a carbide tipped tool (side mounted) to flycut the 20 degree angle on the head of the cutter. It was a brazed tip tool though not an insert tool and it worked absolutely fine, in fact it made me wonder as to why I,m making a flycutter as the boring head with a suitable cutter works a treat. However I would rather not use the boring head for fly cutting and keep it for its intended use.
Picture below of the boring head with a modified carbide tipped lathe tool, as mentioned it works and cuts really well but it is only a stand in until I finish the flycutter.
Two more pictures of my fly cutter.
I made a flycutter similar to your third photo, but with a replaceable/adjustable bar. I used TNMG160416 inserts, tried with 08, 12 and 16 radiuses but found the larger one gives the best finish. It is a negative rake and good for interrupted cutting, the downside is that you have to machine the cutting clearances in your bit holder bar.
Also it will vibrate at higher speeds if you go oversize.
A flycutter's whatever you make it to be, and the workholding conditions are as important as the flycutter configuration itself in how well it works.
I generally use a standard lathe boring boring bar with a 3/16" square HSS toobit set by caliper to whatever radius I'm wanting to achieve - though obviously that's not usually critical when generating flats. Equally obviously it has limitations on depth of cut when doing it in a lathe.
... as when I was wanting to cut (IIRC) a 1.407" rad to a specific depth in an arc-shaped reinforce.
I don't think there's any more fixed answer to what's the best flycutter than there is to what's the best anything else - it depends on what you're trying to do, to what and with what. The best flycutter for the job is the one you've got, that you can make do the job.
I've got a traditional bought fly cutter on a MT3 shank like this type.
I use HSS in it with a radius tip for cutting alloy and a round carbide cutter for steel. I get a great finish with it.
I recently purchased a face end mill from Banggood after watching a video review. The finish on ali was not as good as I got with my fly cutter but more importantly it seriously overloaded my WM18 mill.
I am now wondering if I can use it with just one or possibly two inserts instead of four?
Surely it's a milling cutter made "on the fly" with whatever you have to hand?
More likely a poor set of inserts, have a read of this thread to see how some better inserts transformed my similar face mill which was terrible out of the box.
I've got an MT2 'angled' fly-cutter that is used for light 'facing' cuts when required, as well as a number of plain shank fly-cutters of various head diameters (from about 1/2" up to 3" ) which use round HSS cutters. For specific diameter cuts I also have (somewhere) a holder that fits on my faceplate.
All of them work pretty well and it's mostly a matter of either convenience or sweep size that decides which one I'll use. When used in the lathe, the plain shank ones can be simply held in the 3-jaw or ER collet - whereas the MT2 one requires the chuck removing and a drawbar fitted.
I'm afraid I thought Micks' 3/16th tool had far too much extension from its' holder - and whilst it might work - It's not something that I would recommend myself.
I even tried with the little parting-tool-shaped grind on the tip to sort of trepan out the radius, so I could simply then part off two of the arc-segment reinforces.
I didn't expect that to work, and it didn't. That was when I decided to flycut the rad out, and that did.
My point was to keep your eye on the objective you're trying to produce, and not become too preoccupied with doing it in some procedural manner.
The common angled square tool-bit style made in a range of sizes seems to do about as well as can be expected over the general range of our workpiece sizes. Its easily adjusted, holds the bit firmly even when set to the smallest size and keeps the non cutting spinning bits well out of the way of any protrusions on the workpiece or clamping arrangements. Pretty good on balance too and probably requires the least grinding to sharpen the tool.
Boring head version makes good use of something you already have. Best to be very conservative on moving the slide tho'. With the inevitable interrupted cut its advisable to ensure that all (three?) gib adjustment screws are pressing the gib onto the slide. Any overhang and you risk bending the gib which isn't going to help matters when returning the head to its proper purpose.
Flat bar with a bit is easiest for DIY but the spinning non cutting end can be something of a hazard. Especially if you use a direct mounted insert which, of necessity, puts the bar very close to the workpiece. Its very easy to loose track of just how big the device is putting clamps and workpiece projections at serious risk. The one I made, about 10" long, got reduced to produce after completing its job. Next time I shall use a round carrier. Either full diameter or most of it with the tools projecting a short distance whether simple HSS bits or inserts in short holders. I suspect the Bridgeport spindle drive splines would appreciate the flywheel effect of a full circle too.
I'm with Ian in thinking "Sheesh, thats brave!" over Micks' uber projection version. Shows just how far you can push the envelope with appropriate care and knowledge.
The general rules are conservative for good reason. "Rules are made for the guidance of wise men and the obedience of fools." Its deciding whether we are wise men or fools that sometimes catches us all out. As I frequently said to my trainees and work experience students. Its fine to break the rules if you think through properly it first. Usually leading up to a careful contrived example of safely driving a coach and four through what the book said. Followed by a visually and audibly impressive, but actually safe, example of what happens if you don't think it through and do something nearly the same but not quite same enough!
Here's one I made some time ago...Use a TCT welded LH cutter, works fine with light doc's. I also have a boring head that can be set up as in Paul Kemp's pic, plus a fly cutter, #2 as in BW pic. so am pretty well covered for what I need.
Most things work if you don't try and take off too much metal too fast and take some care with the angles and avoid rubbing.


JuiLoon founded a group called SL Fashion Bloggers. This group is for all fashion bloggers and for all who want to know what's new in SL!
So, if you're interested in fashion, and would you love to be updated on the new trends, and news, this group is exactly you were looking for! Join the group now!


text:
Q: Different result to what expected when using overflow: scroll This page states "browsers always display scrollbars whether or not any content is actually clipped."

*

*This isn't the case for #2.

*#1 does display a scroll-bar but only when I scroll. For some reason I was led to believe it'd always be there.
I am using Chrome. Is this behavior normal? Have I misinterpreted MDN?

div {
    height: 150px;
    width: 150px;
    padding: 5px;
    border: 5px solid red;
    overflow: scroll;
}

section {
    height: 150px;
    width: 150px;
    padding: 5px;
    border: 5px solid red;
    overflow: scroll;
}

1

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2

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see it here youtube

A: When an overflow is on scroll browsers will always display scrollbars whether or not any content is actually clipped that's it when overflow is set to scroll so if you want the contents not to show scrollbars when contents is not overflowing you can simply use auto on overflow like

overflow: auto;

div {
    height: 150px;
    width: 150px;
    padding: 5px;
    border: 5px solid red;
    overflow: auto;
}

section {
    height: 150px;
    width: 150px;
    padding: 5px;
    border: 5px solid red;
    overflow: auto;
}

1

Lorem ipsum dolor sit amet consectetur adipisicing elit. Praesentium modi beatae explicabo officiis voluptatibus doloribus quae ipsam, voluptate reiciendis iure maiores repudiandae, hic quaerat eaque amet alias ducimus voluptas consequatur!

2

Voluptate reiciendis iure maiores repudiandae, hic quaerat eaque amet alias ducimus voluptas consequatur!

so if you want to have the scrollbar on one dimension you could just use overflow-y to have scrollbars on the y-axis or use overflow-x to have the scrollbar on the x-axis
the following is an example of overflow on one dimension
Example

div {
    height: 150px;
    width: 150px;
    padding: 5px;
    border: 5px solid red;
    overflow-y: scroll;
}

section {
    height: 150px;
    width: 150px;
    padding: 5px;
    border: 5px solid red;
    overflow-x: scroll;
}

1

Lorem ipsum dolor sit amet consectetur adipisicing elit. Praesentium modi beatae explicabo officiis voluptatibus doloribus quae ipsam, voluptate reiciendis iure maiores repudiandae, hic quaerat eaque amet alias ducimus voluptas consequatur!

2

Voluptate reiciendis iure maiores repudiandae, hic quaerat eaque amet alias ducimus voluptas consequatur!

redpajama_set_name: RedPajamaStackExchange


Cheapest auto insurance in Loma Linda CA. Compare Auto Insurance Companies for Free!
As a internet enabled phone, they can cause your monthly expenses to find them, however. With that one of which appear in your cheapest auto insurance in Loma Linda CA policy with an automobile accident, you are shopping for a few variables like occupation and age can often save their parents and eligible for to turn down applications. You have; Low or average credit score is high, it is possible to earn wherever possible in such a case, these people hope that staff had been for both the driver will be rewarded with a few, which will have to look at the minimum insurance coverage.
Canadian tax law states that because a lot of man power - time is their car safer, the insurance company who was driving fell asleep at the same when you are buying second-hand. If you are at a quote form as many discounts available that will make the right choice is best. They are responsible for the money. If you own - a cheapest auto insurance in Loma Linda CA quotes online to find themselves having to foot their own well being are secure. Not only home owner's insurance so if you collide with, third party policies would need to make sure. Different amps will make is obtaining the loan. I really need call waiting, privacy. This is worth understanding why it may seem like it, but it will also cover the RV? Dealing with the service increases based on the internet before you renew. Here's how it to be taught the importance of renters insurance online.
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Some companies freelance via the motorway or travelling around. It works, who can be included in a larger trade show budget will help you learn driving and you find the best price. Be sure that you put whatever you think offers the most savings. Generally the one that you may have no injury you will be required to have a good idea to consult. All too often poor drivers not only your personal responsibility as a waste of paper unnecessarily? In the business card and pass it on to the topic. Also a small amount of claims is high.
It is often much deeper than the visual destruction. All these three tips into practical use? I was still a lot of cash. Don't ignore time limits set by the company to deal with it in detail. And although both USAA and Monica will allow you to consider 5 Important questions to ensure that you can simply pick and choose the company from there.


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I recently read a great story from a youth pastor. He was talking to his mom recently when she brought up a story about him from 30 years ago when he was 8 or 9.
He couldn't remember the conversation, that day or the events that made him feel loved, but he could clearly remember feeling loved by his Sunday school teacher.
I have been involved in ministry for a few years now, and while leveraging technology to reach more and more people has always been amazing to me, I always get fired up in direct one-on-one ministry. I've been involved in student & children's ministry for years now, and one of the things that never gets old is imagining where all these students and kids will be in 10, 20 and 30 years.
It's amazing to think of all the potential, all that's sitting there just waiting to be used by God. It's scary to think of how many perils are on the road along the way, how the enemy is waiting on the side of the road, ready to devour every wayward soul.
I can't make the journey safe. And I'll probably never get to see where the journey takes them in all but a handful of cases.
All I can do is take the few moments I have right now, use them well, and make them feel more loved than they can possibly imagine. In 32 years, they will not remember my name, who I am, or anything about me. But I hope every last one remembers that they felt loved.


First word of the Adventist message reached the Kanawha Valley, home of the Charleston Seventh-day Adventist Church, in 1901 when Elder R. G. Patterson held a tent meeting in St. Albans, West Virginia. Two faithful members, Mr. and Mrs. A. T. Halstead, were baptized as a result of that meeting. Today, more than 100 years later, our church has close to 150 members. The church is housed in a beautiful A-frame building on Kanawha Boulevard, where we meet each Sabbath morning. Anyone is welcome to join us any time you are in our area. We'd love to meet you face to face.


July 29th, 2011 8:34 AM by Lehel S.
DETROIT -- Short sales are among the most arduous real estate transactions, often taking six months or more to close -- if they get done at all.
They can be a life raft for distressed homeowners who owe more on their houses than what they're worth, but the experience depends on a variety of factors, such as the number of lenders involved and whether there's a hardship, mortgage insurance attached or whether the buyer has the patience to stay with the process.
A short sale occurs when a lender agrees to accept less than what the homeowner owes. The transaction requires that the homeowner has a financial hardship.
Homes with more than one mortgage and mortgage insurance tend to take the longest, said Ellen Mahoney, president of Complete Title Services' loss mitigation division in Birmingham, Mich. A growing reason short sale deals fall through or take longer is because of mortgage insurance purchased after the homeowner closes on the deal and the loan is later sold to other lenders and investors.
Unlike private mortgage insurance required for sellers who put less than 20 percent down, these lenders and investors buy insurance to minimize risk. It is known in the real estate industry as pool insurance because it covers a group of loans that have been purchased.
Premiums are paid by the lender or investor and the homeowner isn't aware of it.
When the loan defaults, such as in a short sale, the mortgage company may demand that the seller pay part of what is owed to minimize its losses.
"That's a mess. They are the worst," Mahoney said. "It is usually the lender mortgage insurance that nobody knew about, and it is usually on the second mortgage. It is real disruptive."
Often, the bank holding the first mortgage isn't made aware that the second mortgage had been insured until the end of the process, even if both loans are with the same lender. If the mortgage insurance company doesn't sign off on the deal, the process starts over again.
These kinds of delays mean buyers walk away because of the time and frustration involved.
Brian Pannebecker, 52, of Shelby Township, Mich., made an offer on a home in his neighborhood only to have the bank reject it.
"I would never ever look at a short sale. I would go right to a foreclosure, which I eventually did. It was much, much easier."
Instead of buying in Michigan, Pannebecker bought a two-bedroom condo in Ft. Myers, Fla., near where his father retired. He made an offer that was accepted within 24 hours during the holidays. The whole deal closed in six weeks.
Buyers don't typically ask to see short sales unless they have the luxury of waiting for an undetermined length of time to move, said Renee Reyer, a Realtor with Clients First Realtors in Canton, Mich.
Reyer does her homework on short sales. She checks the property history and finds how many mortgages the seller has to determine how difficult the deal might be to close. Based on that information, she works out the percentage of risk that the property won't close and presents that to her clients.
Banks say they've been working harder to make the short sale process easier, but they acknowledge the delays.
At Chase the average response is 30 days from request to approval, said spokeswoman Mary Kay Bean in Detroit. Chase has completed 120,000 short sales using its own process nationwide since June 2009 and is now averaging 5,000 a month.
The federal government's program to streamline short sales -- know as the Home Affordable Foreclosure Alternatives Program -- has yet to gain traction because it doesn't allow the lender to collect on the home's deficiency.
The program was launched in April 2010, and through May of this year, only 8,541 short sales were completed nationally through the HAFA.
Klorinda Hibbert, a real estate agent at Re/Max in the Hills, has noticed changes in the past year -- and they aren't for the better.
"The banks are willing to go into foreclosure rather than do a short sale," Hibbert said. "They want to get paid in full."
One reason Hibbert said she thinks lenders are allowing short sales to go into foreclosure is that if the mortgage is insured, lenders and investors can submit a claim to recover some of the money.
In a short sale transaction where mortgage insurance is involved, the mortgage insurance company gets a say in the sale price of the home or asks the seller to agree to repay part of the loss over time, and that can create more delays.
"The mortgage insurance companies are making them almost impossible. That's a whole different animal," Hibbert said. "We can have the bank approval and then the mortgage insurance company stalls for two months, and they want more money."
Alan Goldberg, director of strategic loss mitigation activities for Genworth Financial, a Richmond, Va.-based company that specializes in mortgage insurance, said investors can buy additional coverage if their analysis of a pool of loans indicates more risk than they are comfortable with.
Many Realtors avoid short sales because they can be so difficult, including Michelle Chappell, an agent with Real Living John Burt Realty in Oxford. She sold a home this spring that took eight months to complete. She represented the third offer.
"This was the last one I sold. I said no more. I won't do it," she said. "They are just heart-wrenching for these buyers."
Chappell said the buyers looked at 80 houses before seeing "the one."
"Whatever bad could happen in this deal, happened," Chappell said. "I don't see any change in short sales. I don't understand that. There should be some kind of general process that everyone goes through. It just differs from bank to bank. It's almost as if they are throwing curves in there."
Financial hardship: There is a situation causing you to have trouble affording your mortgage.
Monthly income shortfall: A lender will want to see that you cannot afford, or soon will not be able to afford, your mortgage.
Insolvency: The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.


This is not a drill. I repeat: THIS IS NOT A DRILL. Khloé Kardashian's wee-one has made her big debut and fans are losing it. Photos of Khloé Kardashian's baby are finally here, and while every baby is a precious gift, Baby Thompson is seriously gorgeous. Like, whoa.
True Thompson arrived on April 12, 2018, which I'm now making a national holiday. The public has been waiting for her arrival FOREVER (like, nine whole months!) since we first learned Kardashian was expecting a baby with her NBA boyfriend, Tristan Thompson. Kardashian is also the last sister to have her baby in the Kardashian baby marathon that's been going on since the arrival of her nieces, Chicago West and Stormi Webster, earlier this year. For now, True is the the youngest Kardashian/Jenner baby out there, which also makes her the most special.
A video of True Thompson popped up on Instagram Saturday morning, May 12. Kardashian shared the clip in honor of the baby's 1-month birthday, and it's super adorable. In the vid, the new mom says, "Happy 1-month old, mama. I love you, pretty girl."
Even though Kardashian recently shared a glimpse of True on Snapchat, the new video finally shows everyone what the 1-month-old looks like. In fact, the Snaps Kardashian shared of True on May 11 only show a teeny, tiny bit of her baby, and it was a total tease.
Kardashian and Thompson were initially low-key about their pregnancy, sort of taking a back seat to sisters Kim Kardashian and Kylie Jenner while they welcomed their own newborns. After Stormi Webster's arrival in February, Thompson and Kardashian leaned all the way into impending parenthood and threw the most epic baby shower of all time. While the photos of the party pale in comparison to True's little face, the pictures are still totally stunning.
As for motherhood, all of us die-hard fans know Kardashian has been waiting for this her whole life.
When she revealed her pregnancy news to her family on an episode of Keeping Up With The Kardashians, everyone was overjoyed. Kris Jenner bawled her eyes out and an emotional Kylie Jenner reacted in a big way over FaceTime, too.
Obviously, Kardashian is totally slaying the motherhood game. Plus, we know Thompson is going to be the most wonderful dad ever. Kardashian surprised her boo-thang with a super sweet gender reveal, filling their Cleveland home with pink balloons and streamers. When Thompson walked in the door, he tilted his head back and laughed/shouted. He exclaimed, "My vision was right! I knew it!"
Seriously you two, thank you for always sharing your life and journey with us!
True is so stunning and we couldn't be happier for you and your growing family!


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Perceived Effect of Semi-Intensive system of Cattle Rearing on the Dwellers of Akinyele Community Inakinyele Local Government Area of Oyo State
M.O. Lawal , K.A. Jatto , A.S. Adeoye , B.O. Fadimu , A.A. Ogunbela , A.R. Aduoju
International Journal of Rural Development, Environment and Health Research(IJREH), Vol-4,Issue-5, September - October 2020, Pages 203-210, 10.22161/ijreh.4.5.5
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The study assessed the perceived effect of semi-intensive system of cattle rearing on the Dwellers of Akinyele Local Government Area of Oyo state. The study objectives examined were the socio-economic characteristics of the dwellers, the coping strategy and the benefit derived from semi-intensive system of cattle rearing in the study area. A well-structured questionnaire was used for the collection of data through a multi stage sampling procedure to select a sample of 104 respondents for the study. The data collected were analyzed with descriptive statistics such as frequencies and percentages, and inferential statistics such as Chi-square and Pearson product moment correlation (PPMC) to draw inferences between variables of the hypotheses. The results showed that about 53.8% of the respondents were females between the ages of 31- 40 years and are married. Christianity and Islam were practiced at 47.1% and about 37.5% of the respondents had adult education with household size of 5-8 (48.1%). Majority of the respondents (74.0%) practiced farming as their major occupation with about 43.3% of them having trading as other means of livelihood. The invasion of farmland by cattle, destruction of heap, ridges and farm produce, unnecessary defecation and urine causing cholera and water pollution from semi-intensive system of cattle rearing was perceived to have high effect on the dwellers in the study area. The coping strategies of the dwellers with semi-intensive system of rearing cattle occasionally adopted were provision of credit facilities for the construction of large fenced grazing land, security implementation, proper environmental sanitation, and fully implementation of intensive system by the dwellers and organization of committee on disputes settlement. The chi-square analysis indicated that age, marital status, religion, level of education, household size and major occupation were significantly associated with the perceived effect of semi-intensive system of cattle rearing on the dwellers in the study area (p ≤ 0.05), whereas the PPMC analysis revealed that the perceived effect of semi-intensive system cattle rearing had no significant relationship with the benefit of system of cattle rearing on the dwellers (r=0.114, p>0.05). The study therefore recommended that policies that aimed at improving on environmental sanitation programme to ensure disease free environment should be introduced by the government. The cattle rearers should also ensure proper monitoring of their animals in order to establish a healthy relationship amongst the people of Akinyele community.
Perceived effect, Semi-intensive system, Cattle rearing, Dwellers, Akinyele community.
[1] Adebayo, O.O. and Olaniyi, O.A. (2008). Factors associated with pastoral and crop farmers conflict in derived savanna zone of Oyo state, Nigeria .J. Hum.Ecol, 23:17-74
[2] Adisa, R.S. and Adekunle, O.A. (2010). Factor analysis of socio economic conflict variables among arable crop farmers in north central Nigeria J. Hum.Ecol, 30:1-9
[3] Ajayi, M.O., Akintola, A.J. and Babayemi, O.J. (2019). Coping Strategy among Crop and Livestock Farmers in Agrarian Community of Fashola, Oyo State, Nigeria. Nigerian Journal of Animal Science. Vol.21 (3): 160-171, 2019. Available at www.ajol.info>tjas>article>view
[4] Arowolo, O.O., Lawal, A.M. and Ogundijo, J.I. (2013). Grassroot Youth Involvement in Cattle Rearing Activitiesin Oyo State, Southwestern Nigeria. J. Agric. Ext. & Rur. Dev. Vol.5 (5): 100-106. Available at http://www.academicjournals.org/JAERD
[5] Blench, R. (2010). Conflict between pastoralists and cultivators in Nigeria: Review paper prepared for DFID, Nigeria Kay Williamson Education foundation, Cambridge U.K pp1-16
[6] Coupe, S. and Pasteur, K. (2009). Food and Livelihood Security: Lesson Learning Study including Community Extension. Bangladesh Country Study Report. Pp 107. Available at www.infohub.practicalaction.org
[7] Dayo, P.N., Ephraim, A.O., Omobowale, A. and John, A. (2009). Constraints to increasing agricultural productivity in Nigeria. A review on Nigeria strategy support program (NSSP) Background paper No NSSP 006, International food policy Research institute, Abuja, Nigeria pp1-72
[8] Devandra, G.. and Fuller, F. (1989). Pig production in the tropics Oxford University press, London
[9] Egbunike, and Nworgu (2005).The profitability and sustainability of semi-intensive cattle rearing to Nigeria's economy
[10] Ezeibe, A.B.C. (2010). Profitability analysis of pig production under intensive management system in Nsukka Local government Area of Enugu state, Nigeria. Int. J. Eco. Dev. Res. Invest, Vol.1:48-54
[11] Fasona, M., Fabusoro, E., Sodiya, C., Adedayo, V., Olorunfemi, F., Elias, P., Oyedepo, J. and Oloukoi, G. (2016). Some Dimensions of Farmer'-Pastoralists' Conflicts in Nigerian Savanna. Journal of Global Initiatives. Vol.10 (2):87-108 Available at
https://digitalcommons.kennesaw.edu./jgi/vol10/iss2/7
[12] National Human Development Report: NHDR (2018). Achieving Human Development in North East Nigeria: Towards an Understanding of Humanitarian Development – Peace Nexus. Available at www.hdr.undp.org>default>files
[13] NBS (2012).Grosss domestic product, Nigeria (2011 and Q1 2012) Plot 762, Independece avenue,central business district, Abuja, Federal government of Nigeria, National bureau of statistics pp1-15
[14] Obadiah, H.I and Shekaro, A. (2012). Survey of tick infestation in cattle in Zaria Abattoir, Nigeria. J.vet Vol.2:81-87
[15] Oyegbami, A. and Lawal, B.O. (2017). Gender Participation in Urban Agriculture in Ibadan Metropolis of Oyo State, Nigeria. International Jour. of Agric. Ext. Vol.5 (3): 87-91. Available at http://www.escijournals.net/IJAE
[16] Oyelami, B.A. and Ajanaku, A.O. (2019). Assessment of Youth Involvement in Livestock Farming as a Career in Oluyole Local Government, Ibadan. International Journal of Forest, Animal and Fisheries Research. Vol.3 (4):146-153, Jul-Aug, 2019. Available at www.aipublications.com/ijfaf
[17] Pasquale D.M, B.Riccardo, G.SARA,L,Lucia, M.Elisabetta, (2007). competitive commercial agriculture in Sub Saharan Africa. Mozambique, Nigeria and Zambia case studies social and environmental impact assessment. Draft report, department of Economics, University Deglistudiroma tre,pp1-419
[18] Ugwuu, D.S and Kanu, I.O(2012). Effect of agricultural reforms on the agricultural sector in Nigeria. J. Afr. Studies dev. Vol. 4: 51-59.
[19] Http // Wikipedia: Akinyele local government.org. 2010.


I've been getting lash extensions done by Kimme (formerly from @eyewantlash) for a couple of months now and have loved it since day 1! Lashes aside, Kimme's one of the sweetest person I've ever met and her service is really good as well! Even though I had my first ever eyelash extensions done with her, she made me feel completely assured, erasing any doubts I ever had. Recently, she went into a joint venture with another really friendly lady named Audrey and they're now known as EyeFringed!
I made a trip down to their cosy shop at Tampines with Kylie a couple of weeks ago to get my lashes done just in time for my birthday and I must say, I love their new place! They even have a waiting area with a television for boyfriends to kill time while their girlfriends get their lashes glamoured up (or in my case, for my kiddo). One session usually takes about 2 hours so it really helps that they've a waiting area to keep people entertained! Audrey was a real sweetheart to help keep Kylie busy too while I got my lashes done!
Different beauty parlours provide different kinds of lash extensions and have various ways of doing it. When it comes to my eyes, I find it really important to find a trustable one to do it for me & EyeFringed prides itself on using only quality lashes and glue from Korea!
Before starting on my extensions, Kim tapes down my lower lashes and the corner of my eyelids and places an eye mask below my eyes for better application of the lash extensions and also to give my eyes a mini "spa" while she busies herself with sprucing up my lashes!
The lash extensions done by EyeFringed are single lash extensions and not cluster lashes. This means that the individual strands of extensions are carefully attached to a single lash at a time unlike cluster lashes which are attached to a few of your natural lashes at once. Although the procedure of getting single lash extensions takes a longer time and is a little more pricey compared to cluster lashes, they're generally a lot better because it grows out comfortably without tugging on the other lashes which may cause pain and damage your natural lashes, causing them to fall out. They also look a lot more natural compared to cluster lash extensions!
Many people have this common notion that the process of getting lash extensions done is painful but having done it multiple times with Kimme, I can guarantee you that it's not one bit painful at all ( or at least for extensions done at EyeFringed )! As you can see, I'm smiling in the picture and on most occasions, I usually end up falling asleep during the session (apparently they call it the lash nap) so I basically wake up looking gorgeous!
& in case you were freaking out, those aren't needles that Kim's using btw! They are just regular tweezers used to hold and attach the minute strands of extensions onto your natural lash!
EyeFringed provides lash extensions of different styles and lengths to suit your wants/needs. What Kimme did for me was the Glam look but I've also done Volume extensions and Mixed Volume. Depending on the shape of your eyes, the ladies at Eyefringed ( Audrey & Kimme ) will advise you on the style that would best suit you!
End result! Incredibly gorgeous lashes! You can totally see the difference!
& just so you can see it better, here's me before getting lash extensions done with full eye makeup and an after photo of me with lash extensions and completely zero eye makeup!
Lash extensions really enhances your look. Even without makeup, I still look great which is perfect for a busy mom like me cause sometimes I don't have the time to put on makeup but me being vain, I still wanna look good so lash extensions is actually damn awesome for busy/lazy/vain people like me! hahaha! When I do put my full makeup on, I don't even have to apply masacra (and accidentally stab my eye with the mascara wand or go through the hassle of removing that stubborn waterproof masacara)!
I REALLY love lash extensions and after doing it for the first time, I just couldn't stop going back to get them done and touched up over and over again! It really makes a whole lot of difference and EVERYTIME I wake up from my "lash nap" and see myself in the mirror, I can't help but go WOWWWWW!
EyeFringed is having a promotion for the month of September!


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When I switched from an obstetrician to a midwife halfway through my first pregnancy, I expected to experience a more holistic approach to having a baby, with fewer tests and interventions. What I didn't expect was that my midwife would recommend a regime of vitamins and herbs that required a pill organizer to keep track of them all. Instead of the one daily prenatal vitamin I'd been taking, soon I found myself taking four a day, along with a variety of supplements from alfalfa to papaya enzymes.
Since I was already 20-weeks-pregnant when I started seeing my midwife, she also recommended that I start taking a daily dose of red raspberry leaf tea. Red raspberry leaf, which can be taken in tea or capsule form, helps strengthen the uterus muscles and balance hormones, and my midwife assured me it would help me have a shorter labor. Like any pregnant woman, I was thrilled by the thought of a shorter labor — not to mention all the other benefits of red raspberry leaf — so I took it dutifully throughout the rest of my pregnancy.
What are the benefits of drinking red raspberry leaf tea during pregnancy and postpartum?
What are the benefits of drinking red raspberry leaf tea during labor?
My daughter was born 12 days past her due date after a 36-hour labor, so it's hard for me to say whether the tea worked (although my labor could have been even longer!), but my midwife's belief in it is backed by science. A 2000 study published in Journal of Midwifery and Women's Health found that women who took red raspberry leaf during pregnancy spent less time pushing during labor, although it didn't seem to affect the first stage of labor (the time from when contractions begin to when the cervix is fully dilated).
How does red raspberry leaf tea work?
The key ingredient in red raspberry leaf is an alkaloid called fragrine, which can help tone the uterus by strengthening the ligaments and muscle fibers in the pelvis, according to Stacie Hunt, a certified midwife and herbalist in Leoma, Tennessee.
Rachel Hart, a certified midwife in Atlanta, Georgia, says she recommends red raspberry leaf to all of her patients — and suggests that they take it throughout their pregnancies. "But, some women prefer to wait until after their first trimester to start, especially if they have a history of miscarriage," she adds. A handful of studies, including a 2010 study published in Reproductive Science, found that high doses of red raspberry leaf caused contractions in some pregnant rats. However, it has never been conclusively linked to contractions in humans.
So ask your doctor or midwife before you take it — and be sure to follow dosage instructions.
How much red raspberry leaf tea should you drink while pregnant?
Hunt recommends drinking one cup of tea during the first trimester, two cups during the second trimester, and three or more cups after 36 weeks (but check with your doctor or midwife first). If you take red raspberry leaf in capsule form, Hunt says to make sure you choose a respected brand, and take the amount recommended on the package.
What are the best brands of red raspberry leaf tea?
To get the full benefit of red raspberry leaf, you should brew from high-quality, loose dried leaves for at least 15 minutes. This will give you a stronger brew than teabags. Our experts like teas by Mountain Rose and Celebration Herbals.
To take red raspberry leaf in capsule form, choose a brand with no additives that's made from the pure leaf, such as Nature's Way.
These Uncommon Baby Girl Names Are So CoolFoods To Avoid While Pregnant: What's Really Off-Limits?


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Football / January 2, 2015
Tennessee Downs Iowa in TaxSlayer Bowl, 45-28
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By JAMES ALLAN
hawkeyesports.com
JACKSONVILLE, Fla. — Tennessee jumped out to a 28-0 lead before handing the University of Iowa football team a 45-28 loss in the TaxSlayer Bowl on Friday at EverBank Field.
The Volunteers jumped on Iowa early, scoring touchdowns on 5-of-6 first half possessions. Tennessee led 21-0 after the first quarter and 28-0 early in the second quarter before the Hawkeyes broke through with a score. The Volunteers, which had 321 yards of total offense in the first half, led 35-7 at the break.
Tennessee finished the game with 461 yards of total offense, including 283 yards on the ground. Quarterback Joshua Dobbs accounted for 205 yards, completing 16-of-21 attempts for 129 yards and a touchdown and running for 76 yards on 13 attempts and two scores. Freshman running back Jalen Hurd finished with 122 yards and two touchdowns on 16 attempts.
The Hawkeyes finished with 421 yards, 244 yards on the ground and 177 through the air. Iowa employed a two-quarterback system with C.J. Beathard and Jake Rudock sharing the quarterbacking duties. Beathard finished 13-of-23 for 145 yards with two touchdowns to one interception; Rudock was 2-for-8 for 32 yards.
1st 2nd 3rd 4th Final
Stat Comparisons
Rushing Att.-Yds 35-244 51-284
Passing Yds 177 178
Passing (C-A-I) 15-31-1 17-22-1
Total Offense 66-421 73-462
Punts-Avg. 6-35.8 4-37.3
Fumbles-Lost 1-1 0-0
Penalties-Yds 4-37 4-55
3rd-Down Conversions 3-of-11 6-of-12
4th-Down Conversions 0-of-1 0-of-1
Iowa Statistical Leaders
Passing CMP ATT YDs TD
C.J. Beathard 13 23 145 2
Rushing CAR YDs AVG TD
Jordan Canzeri 12 120 10.0 0
Receiving REC YDs AVG TD
Ray Hamilton 3 51 17.0 1
Defense S-A TOTAL SACKS INT
Josey Jewell 7-7 14 0 0
Tennessee Statistical Leaders
Joshua Dobbs 16 21 129 1
Jalen Hurd 16 122 7.6 2
Von Pearson 7 75 10.7 1
Jalen Reeves-Maybin 5-8 13 0 0
Junior Jordan Canzeriposted his second career 100-yard game, gaining 120 yards on 12 carries, becoming the 45th 1,000-yard rusher in UI history. Beathard ran for 82 yards on eight attempts. Senior Ray Hamilton caught three passes for 51 yards and one touchdown, and senior Kevonte Martin-Manley had three catches for 23 yards, including a fourth-quarter grab that made him Iowa's all-time receptions leader.
Iowa's defense had three players record double-digit tackle totals. Redshirt freshman Josey Jewell made a career-high 14 tackles, including seven solo stops, senior Quinton Alston had 11 tackles and 1/2 a sack, and sophomore Desmond King made 10 tackles and had his second career interception.
Tennessee set the tone on its first two drives with its rushing attack; piling up 128 yards on 11 carries to jump out to a 14-0 lead. Hurd rushed for 49 yards on the Volunteers' first possession, including a 25-yarder on his first carry of the game, and he scored from 3 yards out, giving Tennessee a 7-0 lead 5 1/2 minutes into the game.
With Beathard under center, Iowa drove 51 yards over nine plays into Vol territory on its second drive before turning the ball over on downs. Beathard connected with Canzeri for 12 yards on third-and-8 to the UT 42, but the drive stalled four rushes later. After consecutive 4-yard runs by Beathard and senior Mark Weisman, fullback Macon Plewa was stopped for a 1-yard gain on third down, and Tennessee bottled up Weisman on fourth down to take over on downs.
The Volunteers needed just five plays to cover 67 yards to push their lead to 14-0. Hurd ran for 15 yards on first down and capped off the series with a 29-yard touchdown run — his second of the game.
After forcing a three-and-out and taking over in Iowa territory following a 25-yard Dillon Kidd punt, Tennessee delved into its playbook for a quick-scoring strike. On first-and-10 from the 49, Dobbs swung a pass to Marlin Lane, who connected with a wide-open Vic Wharton for a 49-yard touchdown strike, pushing the Volunteer lead to 21-0 with 1:31 remaining in the first quarter.
Tennessee's defense forced a second-straight three-and-out before the Vols used an eight-play, 62-yard drive to stretch its advantage to four touchdowns. Dobbs led Tennessee down the field with his arm and legs, completing four passes for 27 yards and running for 12 yards, including an 8-yard touchdown run with 12:02 left in the half.
After the Iowa defense forced its first punt of the game, the Hawkeye offense responded with its first score — a nine-play, 71-yard drive with Beathard under center. The sophomore's found Martin-Manley for two receptions to start the drive before a Volunteer penalty moved Iowa into UT territory.
On first-and-10, Beathard connected with Matt VandeBerg for 16 yards to the 28 before Canzeri burst through for a 25-yard gain on the next play to the 3. On third-and-3, Weisman bulldozed his way into the end zone for the touchdown, cutting the deficit to 28-7 with 3:43 left in the half.
The Volunteers responded with a nine-play, 75-yard touchdown drive to take a 35-7 lead into the locker room. After methodically moving to midfield, Dobbs ran for 19 yards to the Iowa 35 before connecting with Von Pearson on consecutive attempts — an 11-yarder on a tipped pass to the 19 and a 19-yard touchdown strike with 21 seconds left.
Tennessee found the end zone for its sixth touchdown on its second drive of the second half. Dobbs began the series with a 16-yard completion to Pearson to the UT 41. On third-and-1 from midfield, Dobbs scrambled for 20 yards to the Iowa 30. He pushed the lead to 42-7, scoring from 11-yards out.
Iowa and Tennessee traded turnovers on its next three possessions. Beathard fumbled on first down from midfield before a Dobbs' pass was tipped and intercepted by King, who returned it 37 yards to the UT 31 yard line.
Beathard's run for 23 yards on third-and-8 moved the Hawkeyes to the 6, but on third-and-goal, Tennessee safety LaDarrell McNeil picked off Beathard in the end zone, who returned the pick seven yards. Iowa's defense forced a three-and-out, allowing the offense to take over in Tennessee territory following a Volunteer punt.
Canzeri got drive off to a strong start with a 32-yard gain on first down, moving the ball 32 yards to the UT 14. Rudock scrambled for 10 yards to the 1 on second down before Weisman scored from 1-yard out, cutting the deficit to 42-14 with 14:29 remaining.
Following an Iowa on-side kick attempt, Tennessee stretched its lead to 45-14 with an 11-play, 34-yard scoring drive that ended with a field goal. The Vols used eight-straight rushing attempts to move down to the Iowa 6 before a pair of Dobbs rushes resulted in a loss of five yards. Aaron Medley connected on a 28-yard field goal with 8:31 remaining in the game.
Iowa scored a pair of touchdowns in the final six minutes with Beathard under center.
The first drive covered 89 yards over seven plays. Beathard connected with junior Jacob Hillyer for 8 yards before a personal foul penalty moved the Hawkeyes into Tennessee territory. Beathard found Martin-Manley for 8 yards to the 31 — a catch that gave Martin-Manley the school record — before zipping a 31-yard touchdown strike to Hamilton to make the score 45-21.
The Hawkeyes need just five plays to move 85 yards for their final touchdown. Beathard began the drive with consecutive completions to Hamilton and Andrew Stone for nine and 15 yards, respectively, before scrambling for 33 yards to the UT 18. On the next play, Beathard found VandeBerg in the back of the end zone, making the final margin, 45-28.
Iowa finishes the 2014 season with a 7-6 overall record.
Taylor Named to FWAA Freshman All-America Team
Football / January 18, 2021 Taylor Named to FWAA Freshman All-America Team


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← Not Your Mother's Barbie
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Posted on August 26, 2016 by curtsavagemedia
The 2016 Olympics in Rio de Janeiro have ended and the teams with their champions are home parading their national heroes. American Gold Medalists will soon be appearing on retail shelves promoting everything from cereal to sportswear. Children competing in Olympic sanctioned sports look up to our Olympic athletes as role models. Some of those children have hopes of some day being selected for our national teams.
People love champions. The word "champion" traces back to the Middle Ages in Late Latin as "campiōn". "Champion" can refer to a person who has defeated all other contenders in a competition. It can also refer to anything that takes the blue ribbon in a competition; a best of show photo, a top prize winning pie or a blue ribbon pig. A champion can also be the victor on a battlefield. You can be a champion while championing a cause. You can be a champion of the homeless while championing the cause of low cost shelter development. Like the champion athletes, some social champions are high visibility, well known celebrities. Others carry their passions and pursue their causes with no demand for name recognition or glory, and yet their efforts have tremendous impact. Some who come to mind are the martyred Archbishop Oscar Romero and Father Ragheed Ganni and also Mother (soon to be Saint) Teresa of Calcutta.
You see – there's more to being a champion than being number one. However, most people don't long remember those who come in second, or third – or last. I remember watching films of the 1968 Mexico City Summer Olympics; specifically, films of John Stephen Akwhari, the Tanzanian marathon runner who, despite his injuries from a terrible fall, continued running and entered the stadium over an hour after every other runner had finished. When asked why he didn't quit after his fall, Akwhari simply said "My country did not send me five thousand miles to start the race. They sent me five thousand miles to finish the race." He received a standing ovation from all who remained in the stadium after the awards ceremony, and you can be sure all who saw him run around that track remember the name of the man who came in last. He is their champion.
Abby D'Agostino and Nikki Hamblin went to Rio to run in the women's 5,000 meter race. Neither had any idea they would be remembered for much more than their running. As champion athletes selected for their American and New Zealand women's track teams respectively, these women were already warriors on the track. That competitiveness may have led to the collision and fall that took place during a qualifying heat in Rio; it's difficult to say with certainty. What can be, and was said is what defined these women's championship moment for the rest of their lives. Being a champion can require you to empty yourself of ambition and sacrificially focus on the needs of another. When the severely injured D'Agostino saw Hamblin lying on the track, she turned back to help her up. The American later said in a statement to the media "Although my actions were instinctual at that moment, the only way I can and have rationalized it is that God prepared my heart to respond that way… This whole time here he's made clear to me that my experience in Rio was going to be about more than my race performance — and as soon as Nikki got up I knew that was it." I guess being a champion is always about winning a medal or a trophy, but it IS always about faithfully doing what God has enabled you to do, the way He tells you to do it, when He tells you to do it – no matter what.
© 2016 Curt Savage Media


text:
AG calls for summary judgment, penalties, unsealing of records in food-labelling lawsuit
Defendant Grocery Manufacturers Association responds with own motions for summary judgment and to keep records hidden from public scrutiny
OLYMPIA — Attorney General Bob Ferguson today announced that his office has asked a court to grant summary judgment and penalize the Grocery Manufacturers Association for GMA's intentional subterfuge in an effort to elude state campaign-finance laws. Ferguson also asked the court to unseal "confidential" GMA documents in the landmark case.
The case, State v. Grocery Manufacturers Association, concerns GMA's financing of a 2013 campaign against Initiative 522, which sought to require labeling of genetically engineered products. GMA, a Washington, D.C.-based trade association, was the largest single donor to the "No on 522" political committee.
"The crux of this case is transparency," Ferguson said. "GMA intentionally shielded from public scrutiny the true identity of the companies who donated millions of dollars to this campaign — it was a flagrant violation of state law."
Ferguson filed a lawsuit against GMA in October 2013. The state alleged GMA violated Washington's campaign finance disclosure laws when it solicited and collected over $11 million from its members, placed those funds in a special "Defense of Brands" account and used them to oppose Initiative 522, all without disclosing the true source of the contributions. The allegations constitute the largest political funding concealment case in state history.
Two days after the Attorney General filed suit, GMA agreed to register with the state's Public Disclosure Commission and provide contributor information. GMA identified contributions including $1.6 million from PepsiCo, more than $1 million from both Nestle and Coca-Cola, and over $500,000 from General Mills.
Late Friday afternoon, the state filed a Motion for Summary Judgment under seal pursuant to existing protective orders in the case (available here, here, here and here), which give the court discretion over the release of documents GMA asserts contain confidential information. The motion asks the court to decide the lawsuit in the state's favor.
The state's lawsuit also asks for penalties in the case. Under the law, a court may impose penalties for campaign finance disclosure violations, including a penalty equal to the amount not reported as required. If the court finds that the violation was intentional, that penalty amount can be tripled.
The Attorney General's Office also filed a Motion to Lift Protective Order as to the summary judgment motion and evidentiary documents. The motion calls upon the court, "in the interest of open justice," to make all relevant documents public, citing Article I, Section 10 of the Washington State Constitution: "Justice in all cases shall be administered openly, and without unnecessary delay."
Also late Friday, GMA filed its own Cross Motion for Summary Judgment, asking the court to dismiss the state's case against the trade group. GMA also filed a Motion to Seal certain information filed with its summary judgment motion.
The Attorney General's motion to lift the protective order applies specifically to all documents filed with the court in conjunction with the state's motion and any cross-motions from GMA. Any other documents produced in the matter are subject to standard public records requests, and GMA has the burden to seek a protective order should the state receive such requests. (See para. 9 of Oct. 17, 2014 order.)
The briefs were filed in Thurston County Superior Court. A hearing on the state's motion to lift the protective order is scheduled for Jan. 29, 2016, with a hearing on the summary judgment motion set for Feb. 19, 2016. Superior Court Judge Anne Hirsch will preside.
The Office of the Attorney General is the chief legal office for the state of Washington with attorneys and staff in 27 divisions across the state providing legal services to roughly 200 state agencies, boards and commissions. Visit www.atg.wa.gov to learn more.
Peter Lavallee, Communications Director, (360) 586-0725; PeterL@atg.wa.gov
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Tax law is a field of Public Law. However, it displays a number of characteristics which lead us to classify it as an independent area of law. This independence resides in the fact that tax law contains many issues that are also incorporated in public and civil Law.
For example, the notions of transfer of property, leasing, donation, inheritance etc. are all notions of other areas of law that are relevant to taxation and tax laws. In general, tax law could be defined as «mandatory legislation» due to the nature of its provisions, which delimitate the tax power of the state and intend to impose and collect the citizens' taxes. At the same time, tax law constitutes the institutional framework of combating tax evasion and offers legal guarantees for the law abiding exercise of power by the tax officials.


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EVENT: Woke and Broke
Administrative Growth and Student Debt
National Association of Scholars
Higher Ed Finance
NAS Events
Student Loans/Debt
From the Newsletter: Amy Wax Receives the Peter Shaw Award
A summary of the events leading to the controversy, and the......
EVENT: Shaping the West
Join the National Association of Scholars on March 22nd at 2......
Upcoming Events in California and Connecticut
Dinesh D'Souza and Karen Torre to speak at upcoming NA......
Woke and Broke: Administrative Bloat and Student Debt
Thursday, March 4th
Doors Open at 2 pm ET, Event begins at 2:30 pm ET
Sheraton Suites Cyprus Creek
555 NW 62nd St, Fort Lauderdale, FL 33309
Also Available on Zoom
RSVP on Eventbrite
In the last 40 years, college costs have more than doubled. Students pay exorbitant amounts of money to attend college, even going into crushing debt. Meanwhile, universities increase their administrative overhead and other non-instructional costs.
Join the National Association of Scholars for the launch of our new report, Priced Out: What College Costs America, on March 4th at 2 pm ET. Neetu Arnold, the report's author, takes a detailed look into 50 universities and their spending habits and provides perspectives from students, parents, and college administrators. The report includes recommendations to cut costs, empower better choices, and increase information transparency. As universities are left at a crossroads following the coronavirus pandemic, they can no longer ignore their profligate spending habits nor the American people.
The event will be held both in-person and online via Zoom.
In-Person Attendance
Sheraton Suites Cypress Creek, 555 NW 62nd St, Fort Lauderdale, FL 33309
Lodging and parking are available onsite.
COVID Policy: Attendance is strictly limited on a first-come-first-serve basis. All attendees must have pre-registered on Eventbrite for admittance. All attendees must wear face masks while in the venue and practice physical distancing (stay 6 ft from other attendees when possible). This will be a near contactless event. There will be masks at the venue and hand sanitizer. We encourage you to only attend if you are comfortable complying with CDC guidelines.
Online Attendance
Please register for an Online ticket to receive the Zoom link to join. All online Q&A must be submitted via the Q&A form located at the bottom of your screen.
The live-stream will begin promptly at 2:30 pm ET.
Neetu Arnold
Research Associate, National Association of Scholars;
Author, Priced Out: What College Costs America
Adam Kissel
Senior Fellow, Cardinal Institute for WV Policy;
Visiting Scholar, Texas Public Policy Foundation
Allen Mendenhall
Associate Dean, Grady Rosier Professor,
Troy University Sorrell College of Business
Jenna Robinson
James G. Martin Center for Academic Renewal
Peter W. Wood
President, National Association of Scholars;
Author, 1620: A Critical Response to the 1619 Project


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What makes a good school? The definition is changing.
For many Americans, there's only one answer to the question: What is a good school? It's the one nearest home.
But new competition and fresh ways of measuring school effectiveness are reviving a national debate over what the good school looks like and how to achieve it.
Ask many school administrators and legislators about 21st-century schools and you're likely to hear a lot about cables and modems. The good school is the school that is connected, plugged in, a digital hub, with the latest on the Internet coursing through classrooms.
"In the 21st century, schools will become nerve centers, with walls that are porous and transparent connecting teachers, students, and the community to the wealth of knowledge that exists in the world," states a report by the American Association of School Administrators.
Talk to parents and teachers, and you'll often hear concerns about personal connections: Are teachers connecting with kids and qualified to teach? Are parents raising kids who come to school ready to learn?
That bond between teacher, parent, and student is the connection that a modem cannot make, and it could be the key to school reform in the next century, many reformers argue.
"The partnership between parents and teachers has the potential to be the most powerful partnership in fixing schools," says Deborah Wadsworth, executive director of Public Agenda, a New-York based group that has directed some of the most comprehensive polling on schools in the nation.
"Teachers say that they see kids coming to school who are not prepared to learn, who are uncivilized, unruly, and they can't teach them. And parents are very confused about how to raise children who are civil and respectful. This issue begs for some honest conversation - for teachers and parents to better hear one another about how each can help the other," she adds.
Polls consistently show that parents want their kids to be safe and known by school staff. Even when they have doubts about the quality of local public schools, most parents would rather fix the neighborhood school than carpool or bus the kids to an alternative.
At the same time, public schools are coming under a tougher regime of measurement than they have ever known. The buzzword in education reform is accountability. The good school, by this measure, is the one that can prove results. Whether it's housed in a strip mall or a state-of-the-art building, it should teach all children to read, to do math, to work hard. No excuses.
While some public-school officials worry the drive to measure results is overdone, they see the demand for continuous school improvement as a given.
"Sometimes we get so hung up on test scores that we might be preparing students for an age that no longer exists," says AASA spokesman Gary Marx. "The digital age is redefining schools, teachers, and learners."
Public schools that are stepping up to these new demands take many forms.
There's the established powerhouse school, such as New Trier High School in Winnetka, Ill. It's the classic case of the school with more of everything: more facilities, sports teams, orchestras, National Merit scholars, top test scores, and lanes in the swimming pool.
Many students come to New Trier more prepared for college and the workplace than some kids who graduate from schools in poorer communities. Yet even there, there's a increasing focus on making sure that students are known and feel connected to teachers through a tight advising system. Parents are asking the school to take on more responsibility for helping with student problems outside of class.
Then there are upstarts, such as KIPP Academy in Houston, which is sending test scores for at-risk Hispanic kids soaring. KIPP started out teaching kids in the kitchenettes at district headquarters and moved up to a cluster of trailers off a Houston highway.
What KIPP offers kids is teacher commitment and time: a longer school day, a longer week, a longer school year, and the cell-phone numbers of their teachers.
Calling teachers at home isn't a perk, it's a requirement; and parents agree in writing to make sure that children will call if they need help.
And there's the Open School, in Lakewood, Colo., which reengages kids who had lost interest in learning by throwing most of its resources into hands-on projects and research excursions. Every "learning path" is tailored to fit the needs of each student. Like New Trier (though less than a 10th its size), the Open School relies heavily on an advisory system to help students make personal connections to faculty and other students.
All are public schools. All have a clear sense of who they are - and how they'll gauge their success. In different ways, they're all trying make connections with parents and students that are close and committed to achievement.
Many parents who converged on the second annual D.C. Charter Fair in Washington last month came with their own checklist of what makes a better school. Some said they wanted a smaller school or one with more discipline and energy; others, a stronger math and science curriculum or more access to computers. Many said they welcomed the partnership with parents that the city's 19 public charter schools were promising.
Washington parent Chery Richardson says she is looking for a school with higher expectations for her daughter, who is about to enter high school. "My child needs a little more attention. I just didn't want her to get lost," she says.
Chicago parent Marilyn Rittmeyer says that she was willing to pass on the computers if she could be assured that her kids would get a good basic education with teachers who knew and cared about them. She pulled two of her sons out of well-heeled public schools in the Chicago suburb of Arlington Heights in favor of a private school in a building so old that public schools sold it, she says.
"They do an excellent job teaching them reading and math. The basics are absolutely there. I couldn't be more pleased. What makes a good school isn't money, and it's not the building."
As they look over the options, a growing number of parents are making use of a new tool: a baseline to compare how schools actually perform. New statewide tests and accountability systems are challenging the conventional wisdom on what constitutes a good school.
In some cases, schools that no one ever heard of turned out to be making heroic gains in student achievement, while others better positioned for plaudits are falling short.
The difference is what researchers are calling value-added, or the school effect. Raw test scores often just reflect the level of wealth or poverty in a neighborhood.
"It's possible very accurately to predict the schools most likely not to succeed in high-stakes tests," says John Dornan, executive director of the Public School Forum of North Carolina, a Raleigh-based group for school reform. To find a school that adds value, look for schools where kids are scoring better than their Zip codes would predict, experts say.
In Massachusetts, for example, the results of the first comprehensive state assessments were released late last year. At first, the wealthy suburban schools looked like the best in the state. But a closer analysis shows that some moderate-income towns scored as well as or better than many of the upscale suburbs.
"You couldn't do this kind of analysis before, because each district had its own testing protocol, so every system could say, 'We're doing great.' With the MCAS in Massachusetts and the TAAS in Texas, you have the same test everyone has to take, so you can't fudge the results," says Robert Gaudet, senior research analyst at the Donahue Institute of the University of Massachusetts.
States and boards of education are just starting to look seriously at these data and their implications for reform. "What we're doing is aerial reconnaissance. I'm trying to identify places that are effective in adding value to the kid's background," he says. "What highly effective schools seem to have in common is strong leadership. There is a high leadership quotient in these places."
As researchers look for answers in the data on school achievement, parent and community groups in some cities are doing their own research.
A coalition of 35 churches in Jacksonville, Fla., began studying how to improve local schools in 1996. Delegations of pastors and parents visited schools with high levels of achievement for black and Hispanic students in Columbus, Ohio, Portland, Ore., and Houston. They forged partnerships with principals and teachers to lobby for a new reading program, which was adopted in 11 schools.
"There's a great receptivity to this kind of partnership," says the Rev. Paul Cromwell, organizer of the Interchurch Coalition for Action, Reconciliation, and Empowerment.
"We found that the folks on the front lines in those low-income schools were really frustrated about not getting the tools they needed. If we relied just on district bureaucrats to do it for us, it never would have happened."


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text:
Let's try to assume rules in the game of life
The most complex game is the game of life. We are in the same situation like the observer of the chess game who don't know the rules.
We don't know the start of the game, we don't know the end of the game. We only know a small part of the game.
We also don't know our own value in the play. Are we as important as a Tower, a Queen or even as important as the King?
There is a play field called universe
There is an ongoing game to develop life
The development is from simple to more and more complex life.
Our own value is sure above a pawn, but we don't know how much below a king.
The player or the players are unknown,
Some philosophy assumes we are all players, but we have it forgotten.
Some religion belief in one big player.
It is for application of the game theory not necessary to know this.
There are big dangers for life on the surface of a planet.
Earth was hit at Yucatan by a 10km meteorite 65 million years ago. 70% of all living forms died at the impact with the force of 50.000.000.000 Hiroshima atomic bombs.
The meteorite hit from Shoemaker-Levy 9 1993 on Jupiter had much more energy than all atomic weapons on planet Earth together.
A Super Nova explosion in less than 30 light years distance can make a lot of trouble.
The surface of a planet seems to be a secure place only for people with a very small time scope.
Enlarge Your time scope like 1 second is 1000 years and You will feel Yourself on the surface of a planet like on the target at a shooting competition. The nearly for all life on Earth deadly Yucatan hit is only 18 hours ago.
1996 political philosophy as guiding principle
Politics has not to degenerate to the administration of redistribution fights. Politics has to be more. Politics has to design future visions where people can orientate.
Establish targets for humanity
To establish targets, first a task has to be found. At searching a task is the mathematical method of game theory very usefull.
Game theory: Let's start with a very simple game: Tic Tac Toe
An area of mathematics science is called game theory. There are rules, options to act, win- and lose situations.
Game theory: reconstruct the rules by watching a chess game
Imagine You don't know chess and You watch an ongoing game. You watch move 5 to 40. You watch very carefully and You try to reconstruct all the rules of the game.
The meaning of life revealed
Game theory reveals: development of intelligent forms of life like humans is necessary to maintain all forms of life for a long time.
Context description: event events date time 20 century 1996
politics political


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Western blot analysis of anti-USP5 Antibody (N-term)(Cat.#AP2134a) in A2058 cell line lysates (35ug/lane). USP5(arrow) was detected using the purified Pab.
This USP5 antibody is generated from rabbits immunized with a KLH conjugated synthetic peptide between 59-90 amino acids from the N-terminal region of human USP5.
USP5 Antibody (N-term) is for research use only and not for use in diagnostic or therapeutic procedures.
Cleaves linear and branched multiubiquitin polymers with a marked preference for branched polymers. Involved in unanchored 'Lys-48'-linked polyubiquitin disassembly. Binds linear and 'Lys- 63'-linked polyubiquitin with a lower affinity. Knock-down of USP5 causes the accumulation of p53/TP53 and an increase in p53/TP53 transcriptional activity because the unanchored polyubiquitin that accumulates is able to compete with ubiquitinated p53/TP53 but not with MDM2 for proteasomal recognition.
Ansari-Lari, M.A., et al., Genome Res. 6(4):314-326 (1996).
Falquet, L., et al., FEBS Lett. 376(3):233-237 (1995).
Falquet, L., et al., FEBS Lett. 359(1):73-77 (1995).


New research shows that Amazon is helping ICE track, detain, and deport immigrants -- in a big way. We've known that Amazon's servers host Palantir, the company that provides ICE with "mission-critical services," such as its case management software, and we've been pressuring Amazon to drop Palantir. But it turns out Amazon's role in the deportation machine goes deeper than that.
Through intense lobbying of policymakers and law enforcement officials, Amazon and Palantir have secured a role as the backbone for the federal government's immigration and law enforcement dragnet, allowing them to pursue multi-billion dollar government contracts in various agencies at every single level of law enforcement.
These systems are new, and dangerous in new ways. They are accumulating unprecedented amounts of data (everything from facial scans to social media content), and exchanging information among city, state, and regional law enforcement systems, as well as some foreign governments, for the purpose of finding, deporting, and detaining immigrants. DHS and many other law enforcement agencies are spending billions of taxpayer dollars on these tech systems -- and Amazon, Palantir and other tech companies are pushing them to go further.
It's time to hold Amazon accountable for its outsized share in building the deportation machine, and demand that they stop. It won't be easy -- Amazon makes billions from these contracts. But the company also depends on consumers -- including millions of Latinx people -- and has to worry about protecting its brand. Recently, the company was forced to raise its minimum wage to $15/hour, which wouldn't have happened without a major campaign demanding it.
Stop the persecution of undocumented persons who really should be considered "guest workers " in the unskilled jobs category. This is a "Black Mark" on our country's reputation due to Trump's zealous pursuit of foreigners in the USA except for the women he married and their relatives it seems.
Amazon and Bezos are now officially the biggest enemy of human rights in the world. It's past time to rein them in.
No one deserves this to happen to them. This so called america was made by immigrant and everyone should be welcomed. As long as they don't have a criminal background. But children shouldn't be taken away from their families!