2010-2011 Big 12 Women's Basketball Preseason Poll Saturday, December 25, 2010

Leading this year's Big 12 preseason poll for women's basketball is the Baylor Lady Bears. The team returns 4 starters from last year's Final Four squad -- and over 80% of its scoring and rebounding. The Bears are led by sophomore phenom forward Brittney Griner and guard Melissa Jones. New to the squad --- preseason All-Big 12 newcomer of the year Brooklyn Pope and All-Big 12 Freshman of the year Odyssey Sims. Second in this year's preseason poll is Texas A&M. The Aggies return three starters from last season's squad that finished the season with a 26-8 overall record and its fifth straight NCAA Tournament appearance. With preseason All-American Danielle Adams back for her senior season, A&M is expected to be strong. Third in this year's preseason poll is Oklahoma. The Sooners finished 2009 ranked 3rd nationally after making the Final Four for the 2nd year in a row. OU returns senior guard Danielle Robinson, who led the Sooners last year with more than 15 points per game. Nominated for numerous All-America honors last season, Robinson should anchor an OU team hungry for continued success. Let's take a look at the rest of the Big 12 preseason poll... Coming in at #4 is Texas. Just 3 votes away at #5 is Iowa State. #6 is Kansas, followed by last season's Big 12 regular-season champion Nebraska at #7. 8th is Oklahoma State, Kansas State 9th, Texas Tech 10th, Missouri 11th for new coach Robin Pingeton's first season, and Colorado at #12.



http://www.youtube.com/watch?v=2Bvc_9NoiiI&hl=en

Places You Can Go While Dating in Iowa Tuesday, December 21, 2010

Iowa is a state in the United States of America. It has a humid continental climate. The summers are hot and humid but snowfall is very common in this state. There are not so many places to go if you are dating in Iowa but that does not mean its a no fun state. You can still have fun in the few places available in this state. Its always good to make use of the few things available and to use them to your best of your knowledge.

If you love the casino and what it has to offer, The Ameristar Casino hotel is one of the casino's in Iowa that you can go to. It has live music. The artists from around come to perform in this casino. There is a lot of entertainment offered in this casino. You can play pool in this casino and all sorts of games you like. If you get hungry you do not have to get out of the casino to eat. There is a restaurant that you can eat from inside the casino. You can also go for sauna in this very casino.

If you are dating in Iowa, you can go to Lost Island Water Park. This park has a lot of fun written all over it. You can play golf in this place. It has 2 eighteen hole courses. It also has an arcade and Monaleo's Speedway. While in Iowa you can go to the Hickory Hills park. This park has a lake, a camping area, a cabin and a shelter. There is also mountain biking and cross country skiing. You will also enjoy hiking in this place. You can also do ice fishing while you are in this park. You can visit the Airline Amusement park while you are in Iowa. This park has a lot of entertaining things to do. They have bumper cars and battling cages. If you love candy you will have a lot on your disposal in this park. You should go to the amusement park prepared to have fun.

Blank park zoo is another place you should go to if you are dating in Iowa. This zoo has very many animals, animals of different kinds. This zoo also allows people to get close to some animals. Some of the animals are also left to run around. Its fun to be in this zoo with all the animals. If you do not want to go to the park or museum you can go on a cruise in the stern wheeler ferry that is the lady of the lake. This ship offers people a one and a half hour cruise around the lake. However the cruise is only during the summer and fall which is perfect for you would not enjoy cruising during winter, you wont be able to see the beautiful scenery even so if you went during the winter. During the summer or fall, the lake is clear enough to offer the people who are cruising the best view ever.

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Why You Should Choose Cosmetology School For Career Training

People today are looking for opportunities that can change their lives and offer them a future. There was a time when children were encouraged to go through college, get a corporate job and then become part of the machine that keeps America rolling. However, the recent recession has changed all of that and an institution such as a cosmetology school is now looked at as a viable career choice.

When a recession hits, individuals need to look at different fields to see not only what is popular right now, but that they will also find interesting and that will hold up over for years to come. Many industries have eliminated positions altogether, but the beauty industry is thriving. Because of this, the top beauty schools in the country have students lined up to attend.

Students who make it through the programs are lucky enough to become part of one of the largest growing professions in the United States. The industry has not only made it through the recession unscathed, it is actually thriving more than ever. Most of this is because of the various niches that the industry holds.

For instance, cosmetology school graduates do not just work at the local beauty school; they can go into the entertainment business as makeup artists. While it may be a bit morbid for some to consider, every funeral home uses a beautician to prepare its clients for the final services. Of course, there is also the opportunity to go into sales by working for an actual cosmetics company.

Today more than ever, it is important to find a field that not only interests you, but one that will continue to enable you to provide for your family for many years to come. There is no sense in wasting money on tuition for a career with a limited lifespan. Because of the opportunities available to cosmetology school graduates, it is the perfect choice for anyone interested in a career in beauty.

If you are thinking about attending cosmetology school, consider La'James Beauty School. Located in Iowa, this cosmetology school is known around the world and its students are some of the most sought after in the industry.

Sophomore Sets Strikeout Record Monday, December 20, 2010

Sophomore softball pitcher Kate Earlywine sets career and game strikeout record for the Duhawks



http://www.youtube.com/watch?v=xJOYSqMFSQ4&hl=en

Southern Methodist University (SMU) Mustangs Football National Championship Wins - 3 Victories

The Southern Methodist University (SMU) Mustangs football program claims three national titles in the nearly one hundred years that the sport has been played at the college in the Dallas, Texas area. The three national championships are from:

• 1935


• 1981


• 1982

While SMU has never been awarded the distinction of a football national championship from the most highly regarded polls generated by the Associated Press (AP) or the Coaches Poll or even the more recently created Bowl Championship Series (BCS) system the university does claim football national championships based on designations bestowed on them by alternative sources.

When it comes to the highest level of college football the National Collegiate Athletic Association (NCAA), which has tournaments and formally recognizes a national champion for every other college sport, has refrained from officially crowning a college football national champ at the highest level. Prior to 2006 the highest level of college football was called Division 1-A. Since 2006 the term Division 1-A has been replaced with Division I Football Bowl Subdivision (FBS). With regards to both Division 1-A and more recently Division I FBS the NCAA only states that "a number of polling organizations provide a final ranking."

Despite the fact that the NCAA organizes a tournament and pronouncing an eventual national champion at the Division-II and Division-III levels of college football the governing body of college football has chosen to abstain from officially declaring a FBS (formerly Division-IA) national champion. Because of this fact a number of colleges have chosen to claim national titles for historical seasons despite consensus opinions to the contrary.

In 1935 the SMU football program went 12-1 in a season that was concluded with a bowl victory after beating Stanford 7-0 in the Rose Bowl in Pasadena, California. Three different organizations declared the SMU team led by head coach Madison Bell as the best in the country. Those three organizations were (1) Dickinson, (2) Houlgate System, and (3) Sagarin Ratings.

In 1981 the Dallas based institution of higher learning claimed a second national championship after a 10-1 season under coach Ron Meyer where the Mustangs did not conclude their season with a bowl game. The low profile organization that declared SMU the best college football team in the country after that season was the little known group called the National Championship Foundation.

In 1982 Bobby Collins coached the SMU Mustangs to an 11-0-1 record over the course of a season that concluded with a thrilling 7-3 Cotton Bowl victor over the University of Pittsburgh. Future NFL Hall of Fame running back Eric Dickerson led the squad that finished second in the AP and Coaches Polls.

Although Penn State was widely accepted as the national champion with a substantially more difficult schedule than SMU the Penn State program finished with an 11-1 record. The lone loss to then number four ranked University of Alabama gave an organization that calls itself the Helms Athletic Foundation sufficient reason to declare SMU the national champion because the Mustangs finished with one tie and no losses while Penn State had one loss in week five of the 1982 season.

Kim, the author of this piece, imagines that despite the NCAA sanctions laid on the football program in the late 1980s that Eric Dickerson still proudly uses a red blue SMU golf bag when he plays a relaxing game of golf with former teammates. Because a Southern Methodist University golf bag is very difficult to find online Kim recommends getting a plain golf bag with the school colors and adding the Mustangs logos on separately.

For more tips on creating your own SMU golf bag readers are encouraged to check out the links in the previous paragraph.

Iowa's Effect On New Hampshire Primary Unclear Sunday, December 19, 2010

Just a few days before New Hampshire voters go to the polls, the Iowa caucus will provide the first real feedback on the presidential candidates.



http://www.youtube.com/watch?v=w7Ain_70hCA&hl=en

Average Cost of Renters Insurance Friday, December 17, 2010

The Independent Insurance Agents and Brokers of America or IIABA revealed in one of their reports that the average cost of Renters Insurance is about $240 a year, $12 a month or $3 per week. The average cost is for an insured policy with a content replacement or property coverage of $30,000 and liability coverage that amounts to $100,000. The computation of your premium rate actually depends on a lot of factors: age of your house (the older your house is the higher your premium cost); the area or location where you live (the high-risk area and the higher cost of living means higher premium rate); how much you are willing to pay for your deductible (the higher the deductible the lower the premium rate), and lastly is your insurance company.

Do you belong to the 2/3 of those who are renting an apartment or house and yet do not carry a renters insurance? Statistics were drawn out from IIABA's consumer survey and was conducted by a third party through a national consumer telephone survey. Out of the 1,000 people whom they've asked, 64.4 percent answered "no" to having a renters insurance policy even when the average cost of renters insurance is not that really expensive because this is the top reason and misconception of these individuals. There were at least 2.2 percent who answered "don't know" which means that they are not aware that there exist an insurance policy designed for those who are renting.

To erase the misconception of an expensive premium cost for insurance policy of rental properties, here is the data about the average cost per state. The figures are based on the 2006 data of the National Association of Insurance Commissioners. The US countrywide cost is $189. The state that has the highest average cost of renters insurance is Texas with $261 and the state that has the lowest average cost of renters insurance is North Dakota with only $119 and somewhere in the middle is Washington with $170.

Other states (arranged from highest to lowest) is as follows: After Texas, Mississippi follows with $252 as its average cost of renters insurance. Next in line are Louisiana ($245), California ($244), Oklahoma ($230), Alabama/Massachusetts ($223), New York ($220), Arkansas ($217), Georgia ($215), Hawaii ($213), Tennessee ($208), Arizona ($207), Nevada ($205), Florida ($201), New Mexico ($200).

These are the states that the average cost are below $200 - Connecticut ($197), Rhode Island ($189), South Carolina ($189), District of Columbia ($185), Alaska ($182), New Jersey ($179), West Virginia ($177), Indiana ($173), Kansas ($170), Colorado ($169), Illinois ($168), Missouri ($166), Michigan ($164), Ohio ($163), Oregon ($162), Kentucky ($161), Maryland/Montana/Vermont ($160), Delaware ($159), New Hampshire ($157), Wyoming ($155), Idaho ($153), Nebraska/Pennsylvania ($148), Virginia ($147), Maine ($145), North Carolina ($144), Minnesota/Utah ($139), Iowa ($132), Wisconsin ($122), and finally South Dakota ($120).

Now that you are aware of the average cost per state, you can more or less calculate how much you would have to save whether it is daily, weekly or monthly. After you make your computation, you would realize then that it is not really that expensive.

What is your state's Average Renters Insurance cost? Visit http://www.wiseinsurancequotes.com/renterquote.php and get free quotes from all the major insurance providers. Save up to 70% on renters insurance. It's fast, free and easy!

Bad Credit RV Loan Thursday, December 16, 2010

A noted trend amongst lending institutions is to be favorable towards candidates with good credit ratings. However, providing loans is a profitable venture for these institutions. It is for this reason that banks will try to cater to most applicants, and at times it even involves working with people with a bad credit rating. However, it is important for applicants to realize that their bad credit RV loans will be treated a little differently.

It is true that many people go to great lengths to maintain a perfect credit rating. However, there are many who have defaulted and acquired a bad credit rating. In situations like this, it is advisable to apply for a bad credit RV loan to see if one qualifies. If the loan is approved, it usually has a positive outcome. Continuous repayment of bad credit RV loans will gradually help in attaining a better credit rating.

It is important for a bad credit applicant to know the credit rating well. This allows people to understand the reason for low credit rating scores. The RV financing bad credit status should also be warranted. It is vital that a bad credit applicant has a credit report from Equifax, Experian or Trans-Union. However, asking for a credit report puts people at a risk of lowering their ratings even further.

RV loan bad credit applicants do not qualify like other applicants. Drawbacks could include short-term RV loans with no provisions for term extensions. In most cases, these candidates are required to pay a higher loan rate in order to qualify. This is partly because higher interest rates serve as a guarantee for bad credit RV loans that are approved.

Bad credit RV loans also depend on the readiness of the recreational vehicle loan specialist and the RV financing bad credit category an applicant fits into. Bad credit applicants may not be able to bargain for RV loan rates. However, qualifying for a loan puts these applicants on the path to improve ratings right away.

RV Loans provides detailed information on RV Loans, Bad Credit RV Loan, RV Loan Calculator, Used RV Loan and more. RV Loans is affiliated with Mobile Home Equity Loans.

ABC Polls Saturday, December 11, 2010

ABC Polls Iowa New Hampshire Florida Earth Quake Wild Fire Hillary Dodd Edwards Gravel Kucinich Obama Richardson Al Gore Florida Lindsay Lohan Beyonce Biography Love Romance Love Romance Jennifer Lopez Puff Daddy Christina Christina Aguilera Interviews South Carolina Michigan California...



http://www.youtube.com/watch?v=i65FWkpnoPc&hl=en

Iowa Car Accident Attorney Des Moines Lawyer

Des Moines, Iowa Attorney Offers a Free Car Accident Book That Provides What Iowans Injured in Car Accidents Should Know Before Hiring a Lawyer or Talking to the Insurance Adjustor. If you or a loved one been hurt in a car accident, automobile, motorcycle and other motor vehicle accident and live in Des Moines, Grinnell, Newton, Pella, Knoxville, Oskaloosa, Ottumwa, Waterloo, Iowa City, Indianola, Ames, Ft. Dodge, Burlington Cedar Rapids or another town in Iowa, Iowa Personal Injury attorney Corey JL Walker has represented hundred of Iowans hurts in car accidents and recovered millions of dollars on their behalf.



http://www.youtube.com/watch?v=iv1FDaePsFw&hl=en

Iowa City High Football Mosh Pit Wednesday, December 8, 2010

Iowa City High student section does a mosh pit to the drum line hit "Lamb Thrash" against Linn Mar Marion.



http://www.youtube.com/watch?v=asg6bFRo5XY&hl=en

What is the Medicaid Estate Recovery Program? Tuesday, December 7, 2010

I Recently an article in the Iowa Quad City Times has many wondering just what the rules are requiring an heir to repay Medicaid for the cost of services to a deceased family member.

Sarah Miller received a letter from the State of Iowa asking for $277,186.96 to repay the State for medical care received at a state-run veterans home. Ms Miller is the long time companion of veteran Roger Lennon who died a few months ago.

Roger Munns, a spokesman for the Iowa Department of Human Services confirmed that the State would seek reimbursement from any assets remaining in Lennon's estate after he died. Munns said that Mr. Lennon should have known that the state would pursue any remaining assets remaining after his death.

Munns states that "everybody who gets Medicaid is told that this is a government program for which we will be expecting repayment."

Mr. Lennon gave all of his income to the State during the times he was living at the Veterans Home in Marshalltown. This income consisted of his veteran's benefits and $350 which was his share of the rental income from properties jointly owned by Ms. Miller and himself.

Ms. Miller paid the taxes and expenses of the rental properties for the last seven years. However, she was told that she could not deduct either the expenses or taxes form the estate. The only deduction the State will allow is funeral expenses. Apparently the State of Iowa has told Ms. Miller it wants half the value of these two rental properties and the payment is due next week.

How did this happen and can it happen to others? Absolutely.

Medicaid came into being in 1965. As it is a joint program between the federal government and the states, it has always included a provision allowing the states to recover from the estates of deceased Medicaid recipients.

In 1993 Congress passed the Omnibus Budget Reconciliation Act (OBRA '93) which required the states to implement a Medicaid Estate Recovery Program. The relevant provisions of the 1993 Act are as follows:

* States must pursue recovering costs for medical assistance consisting of:
* Nursing home or other long-term institutional services;
* Home- and community-based services;
* Hospital and prescription drug services provided while the recipient was receiving nursing facility or home- and community-based services; and
* At State option, any other items covered by the Medicaid State Plan.

At a minimum, states must recover from assets that pass through probate (which is governed by state law). At a maximum, states may recover any assets of the deceased recipient.

Who's estate may be seized?

According to the U.S. Department of Health and Human Services recoveries may be made from the estates of deceased persons who were 55 or older when they received benefits. Recovery could also be had if the Medicaid beneficiary was permanently institutionalized regardless of age.

States are permitted to exempt recovery if the only Medicaid benefit received is a payment of Medicare cost sharing, i.e. Medicare Part B premiums.

Of course this is made a bit more confusing because each of the states have different rules. Texas, for instance, passed a law which states Medicaid Estate Recovery Program claims will only be filed when it is cost-effective. Claims that are considered not cost-effective are those where:

* the value of the estate is $10,000 or less;
* the recoverable amount of Medicaid costs is $3,000 or less; or
* the cost of selling the property would be equal to or greater than the property's value.

Ohio has a hardship exemption. In certain circumstances when recovery from the estate is found to create an undue hardship, the right to immediate recovery may be waived by the state. The Ohio statute gives as an example a property which is the sole income producing asset of the survivor. Ms. Miller might be eligible for a hardship exemption if she lived in Ohio.

Each state has it's own rules. Federal guidelines allow the states great latitude in defining hardship exemptions. However, the federal guidelines do suggest that two kinds of property could be eligible for hardship exemptions. The suggested guidelines are homesteads of modest value and income-producing property, such as farms or family businesses that are essential to the support of a survivor.

Even though the federal guidelines seem to favor Ms. Miller, the ultimate authority to recover is with the State of Iowa.

Sheila Guilloton is the owner of Prestige Planners, a health specialty agency placing health and dental insurance for business and individuals. Licensed with all the major carriers, she counsels and advises clients on how to select the most appropriate coverage. To learn more about health insurance, health care and health care reform visit http://www.examiner.com/x-11804-Health-Care-Examiner

Home Improvement Secret Unleashed - Kemiko Concrete Stain For Your Home And Driveway Sunday, December 5, 2010

They say a man's home is his castle. Is this true of your home? Have you truly made your home into a place that you're proud of...a place that you just love to show people around because of its classy style and décor? Not many people can say that they have done this actually.

One fairly inexpensive and quick way to achieve this for your home is to consider concrete staining. Concrete staining is a really great process that you can use on any large concrete area in or around your home, that will give your home a whole new appearance of class and actually make you feel as if you're sitting in the lap of luxury at an expensive hotel, or depending on the color and lightness of the stain, in a relaxing island hotel in the Bahamas. It's a great way to completely change the look of your home, without having to buy expensive marble or stone.

In fact once you've stained the concrete in your home, it will look as though you have decorated with stone and/or marble. It's a look that says class through and through and it can be yours simply and easily. Concrete staining can be done on the interior or exterior of your home; in entrance ways to give your home a cathedral type feel; patio or garden areas for the perfect outdoor setting for you and your loved ones and friends; and actually any type of concrete wall or concrete setting where it needs a spruce up.

One of the premier manufacturers for concrete stain is Kemiko, who make the brilliant Kemiko Stone Tone Stain. The particular stain that Kemiko makes is a translucent concrete stain, not a paint or pigment. It's actually pretty amazing how the translucent stain, actually an acid, will cause a chemical reaction with the lime within the cement of the concrete therefore causing the concrete itself to turn the desired color.

One thing to note though is that since it is a chemical reaction, and not paint, the resulting coloring or staining will not be an exact consistent coloring. The effect will be more of a natural stone finish, which is actually a good thing since the desired look when using a concrete stain is to get precisely that...a natural marble or stone finish.

Another great reason to stain concrete is because of the clean look and feel that it gives your home. The thing that really enhances this is when you add the Stone Tone Sealer to your newly stained concrete. This not only protects your concrete for years and years, but also enhances it with a shiny satin finish. Just imagine how incredible your home is going to look with a stained concrete floor that really brings in that feeling of living in a luxurious castle, with the added shine. The great thing is that if you use the Kemiko Stone Tone Stain and Sealer to recreate a living room or finished basement, you no longer have the problems of dust and dander allergies coming from any carpeting. This is a great alternative for those with asthma and frequent sinus infections and or allergic reactions.

It's also great if you have pets given the fact that you can just sweep up any hair that your animal has shed, which also keeps down potential allergic reactions.

Cleaning is as simple as sweeping and using a mop and warm water to keep away dust and grime.

Kemiko Stone Tone Concrete Stain can be used on both new and old concrete which is great. So, there's no reason to go redoing your old cement before being able to apply the stain. You're safe enhancing the concrete floors that you already have.

It's really simply a matter of taste when it comes to deciding whether or not the Stone Tone Concrete Stain is for you and your home or not. If you're looking to change the look of your home, from the standard and ordinary to the classy and sleek look then there's really not a more efficient choice than using the Kemiko Concrete Stain and finishes. One gallon covers about 400 square feet, so therefore a little essentially goes a long way both economically and in style.

Bruce Hunter is the CEO of CORE Magazine. Visit Denver homes now to get free access to information on a Denver home mortgage.

Candidiasis and Diabetes - Poor Health Leading to Obesity Monday, November 29, 2010

Someone I just met told me that she had suffered with severe candidiasis for more than 20 years. Her hypoglycemic has turned into diabetes, and every drug has been given to her for it, including two kinds of insulin, which make her blood sugar go higher. When she started the process last August, fasting blood sugar was 210-240. Now, she cannot get it below 300. She is not eating anything bad. Knowing that the yeast lives off glucose, it is hard for her to believe that it is totally coincidental that her body is now flooded with it. She wants to get some advices for combating with the yeasts.

Candida is not the cause of the epidemic of obesity and diabetes in America, any more than obesity is the cause of poor health. Candida, obesity, and diabetes are equally devastating symptoms of greed-driven agribusiness and poorly-derived medical conclusions about nutrition and health. It's difficult enough to get people over the idea that carbs are wonderful and meats and fats will kill them.

You will get loads of information on this page to help you develop an anti-candida regimen for yourself. When it starts improving your health, it will be interesting to see what excuses your doctors have for the change and how much they try to take credit for the success! I also have a book by Joan Ifland titled "Sugars and Flours: How They Make Us Crazy, Sick, and Fat and What to Do about It". You will get some good information from it, as this woman has done tons of research.

Do you realize that candidiasis and other related diseases can be cured by natural treatment? CLICK HERE to find out how to do that at home and save your energy and money in your pocket!

Visit cure candida project website.

Bo Bunton Charter Communications TV Monday, November 15, 2010

Sideline Reporter for Charter TV- High School Football Turkey Day 2008- Webster Vs. Kirkwood Timberland Vs. Washington Eureka Vs. Vianney DeSmet Vs. CBC Interviews with: Adrian Clayborn- Iowa Hawkeyes Defensive lineman, Montee Ball- Wisconsin Badgers Runningback, Teron Sutherline- Westminster College receiver, Donald Jackson- Illinois College returner, Luke Thuston- Southern Illinois Safety, Rob Standard- Top 2010 Missouri Recruit,



http://www.youtube.com/watch?v=0iuqG2vJEQc&hl=en

Pharmcas Pharmacy Schools That Do Require the PCAT & 3 Tips to Increasing Your Average PCAT Score Friday, November 12, 2010

Imagine this! You are entering your final pre-pharmacy year and you are about to apply however, you bypass one minor (or big) fact. Some pharmacy schools in the US require the PCAT (Pharmacy College Admissions Test). Not knowing what school requires or doesn't require the PCAT can delay your application and make things worst for you therefore denying your acceptance to pharmacy school. So below are the Pharmcas pharmacy schools in the USA that requires the PCAT.

1) University of Appalachia

2) University of Auburn

3) University of Buffalo

4) Butler University

5) Campbell University

6) University of Charleston

7) University of Cincinnati

8) University of Colorado

9) Creighton University

10) Drake University

11) East Tennessee State University

12) University of Florida

13) University of Harding

14) University of Hawaii at Hilo

15) Howard University

16) University of Chicago at Illinois

17) University of Iowa

18) University of Kentucky

19) LECOM Bradenton School of Pharmacy

20) LECOM Erie School of Pharmacy

21) Long Island University

22) University of Louisiana at Monroe

23) University of Maryland

24) Mercer University

25) Midwestern University at Downers Grove

26) Midwestern University at Glendale

27) University of Minnesota

28) Northeastern Ohio Universities - College of Pharmacy NEOUCOP

29) University of New Mexico

30) North Carolina at Chapel Hill

31) Nova Southeastern University

32) Ohio State University

33) University of Oklahoma

34) Palm Beach Atlantic University

35) University of Pittsburgh

36) Samford University

37) Shenandoah University

38) South University

39) St. John Fisher College

40) St. Louis College of Pharmacy

41) Temple University

42) University of Tennessee

43) Thomas Jefferson University

44) Virginia Commonwealth University

45) University of Washington

46) Wayne State University

47) West Virginia University

48) Wingate University

49) University of Wyoming

The 3 Big Tips In Increasing your Average PCAT score are:

1) Study from study guides, not from textbooks.

2) Take as many PCAT tests as possible UNDER testing conditions.

3) Prepare early. Do not wait until 1 week before the PCAT to start studying for it.

For more advice, tips and insiders secrets and a FREE PCAT Study Guide please visit http://www.GetIntoPharmacySchool.com

Charlie Thai is a pharmacy student and author of the "How To Get Into Pharmacy School" Ebook.

Ness Notes (August 7) Tuesday, November 9, 2010

Were you ready for some football? I'm not sure I was. The Eagles' Donovan McNabb completed all three of his passes (29 yards) while leading Philadelphia on a 61-yard scoring drive on the team's first possession (and McNabb's only one) of the game. After that, the only score by the Eagles came on a Hall of Fame game record 55-yard field goal by David Akers.

My free play for Monday is on the Cin Reds over the StL Cards at 7:10 ET. Coming off a 3-1 MLB weekend, I'm opening the new week with a Technical Insider (backed by two winning trends of 73%) plus a 15* ALCS Rematch on the Angels/White Sox on ESPN.

The entire backup crew contributed, as QBs Garcia and Chang each threw an interception, with Detmer losing a fumble. RB Bruce Perry lost two fumbles, giving Philly five turnovers for the game. The Raiders were slightly better, losing just two turnovers plus botching the snap on a short field goal attempt. Speaking of FGs, Janikowski kicked two long ones for the Raiders, from 50 and 51 yards. Oh yeah, the final was Oakland 16-10 over Philadelphia.

USA Today released hits preseason coaches' poll last Friday and Ohio State will open the 2006 season as the nation's No. 1 team. However, unlike last year when USC claimed all but two of the first-place votes, the top-six teams all received at least one first-place vote, the most since 2001 when nine schools garnered at least one vote . Ohio State got 28 No. 1 votes and defending champ Texas will open as the nation's No. 2 team, with 11 first place votes.

Notre Dame (nine votes) and USC (one) finished in a tie for third and Oklahoma finished fifth. The Sooners actually received the second-most first-place votes (13) of any team but of course the poll was taken prior to the suspension of the team's starting QB, Rhett Bomar. Of interest is the wide discrepancy in opinion on the Sooners this year, as they got votes from No. 1 to as low as No. 22! Auburn, which opens No. 6, was the only other school to receive a nod at the top spot.

The SEC claimed the most teams in the top-25 with six while the ACC, Big-10 and Big-12 all claimed four spots. The Pac-10 had three, the Big East two, the MWC had one (TCU) and of course No. 3 Notre Dame plays by its own rules (one could consider the Irish an independent or a member of Conference-NBC!). By the way, the last time ND was ranked this high in the preseason was 1992 (opened unranked last year).

No. 23 Tennessee, which finished last year at 5-6, is the only team to be ranked which had a losing record in 2005. No. 15 Michigan and No. 17 Iowa both finished 7-5 last year and join the Vols as the only schools in this year's preseason poll to not have been ranked in the final coaches' poll of 2005. Teams which finished last year in the final top-25 but were not among this year's first poll include UCLA (finished No. 13 last year), Wisconsin (15) and Boston College (17).

MLB notes

Go figure the Dodgers! They opened MLB's second half by losing 13 of 14 games after the break. During that run, they were outscored 81-29 with a team batting average of .222 and a team ERA of 5.41. So who's MLB's hottest team as the new week begins? The Dodgers, naturally. They've rebounded to win nine consecutive games as Monday's play begins, outscoring their opponents by 65-23 while hitting .310 and posting a team ERA of 2.55!

Elias reports that the Dodgers have now won nine consecutive games, a streak that began after they lost eight straight. They are the sixth team in major-league history to lose at least eight straight games and follow that immediately with a winning streak of at least eight games. The others: the 1931 Cubs, 1949 Red Sox, 1965 Pirates, 1985 Twins and 2001 Cubs.

The Dodgers' starting pitcher has earned a victory in each of the team's last six games and all six of those games have been on the road. In the last 10 years, only one major-league team has had a longer streak of that type. Seattle won eight straight games -- all on the road -- with a starting pitcher getting the victory each time in 2003.

The Cardinals took a seven-game losing streak into the weekend's action but after losing to the Brewers 4-3 on Friday, won both Saturday and Sunday. The team's eight-game losing streak was its second eight-game losing streak of the season and that hadn't happened since 1983! The Blue Jays ended their seven-game losing streak by beating the White Sox on Sunday, 7-3.

Of note in that game was the losing pitcher, Jose Contreras. It's Contreras' fourth loss since July 14, the day his 17-game winning streak ended, tying for the most losses for any pitcher in the majors over that period. MLB's longest active losing streak, now that St Louis and Toronto have won, currently belongs to the Royals (four games). I guess that's fitting, as KC also owns MLB's worst overall record, at 38-73.

Monday's MLB schedule features a relatively light nine-game card, including the Angels and White Sox making up a rain out from May 11 at 7:05 ET tonight in Chicago on ESPN. Of course these teams met in last year's ALCS with the White Sox winning four straight games (all complete games) after the Angels opened with a 3-2 win in Game 1.

It's hard to believe they'll be a complete game tonight, by either starting pitcher. The Angels send Kelvim Escobar to the mound and he's 1-9 with a 6.21 career ERA vs the White Sox in 18 appearances. That includes an 0-7 mark in nine starts, with a 5.64 ERA. As for Chicago's Mark Buehrle, the one-time ace of the staff is 0-5 with a 9.92 ERA in his last six outings!

Speaking of rematches, the Twins open a three-game series tonight in Detroit vs the Tigers. Detroit was able to take two of three in Minnesota from July 28-July 30 and have now won nine of the 12 meetings this year between the two teams. Tonight's pitching matchup features two rookies, the Twins' Francisco Liriano (12-2, 1.96) and the Tigers' Zack Miner (6-2, 4.03). These guys hooked up back on July 28, in a game the Tigers won 3-2 (10 innings).

Liriano allowed just three hits and two runs in that game over eight innings (12 Ks), while Miner allowed four hits and two runs in six innings. Liriano has not pitched since (left forearm?) and it will be interesting how he does. As for Miner, the Tigers are 8-3 in his 11 starts this year but his last win came back on July 16 and over his last four starts he's got an ERA of 7.36.

Ness Notes is available Monday through Friday by 1:00 ET.

Larry Ness is a documented member of the Professional Handicappers League.

Read all of his articles at [http://www.procappers.com/Larry_Ness.htm]

Nathan Seibert Football Highlights Thursday, November 4, 2010

#60 Nathan Seibert's Football Highlights from his 2007 sophomore season. Dallas Center-Grimes High School, Iowa 6' 1'' 225 Class 3A All-State selection



http://www.youtube.com/watch?v=oxusFJHrZyE&hl=en

Lady On the Lake (2) - Setting Out Tuesday, November 2, 2010

Canadian experimenter Vern Woodbeck takes his new Lady Jane Grey valveless pulsejet out on the lake for a spin with his fishing buddy, Terry. Here we see "navigator" Terry steering (a little primitive at this early stage of development), while "engineer" Vern enjoys the pleasant hum of his prized motor. Engine design by Larry Cottrill, Cottrill Cyclodyne Corp., Iowa, USA.



http://www.youtube.com/watch?v=5ireuEL_H0c&hl=en

Road trip!

I made this in the car travelling to Iowa from Colorado. enjoy!



http://www.youtube.com/watch?v=cTnezdI-ffU&hl=en

Searching for Apartments With a Checklist Thursday, October 28, 2010

Apartments can provide practical living situations for people who are in a number of different situations. Those who have low credit scores cannot qualify for home loans, and apartments do not require a high credit score for move in. People who have temporarily moved somewhere for a job can move into an apartment to avoid the hassles that go along with buying and selling a house in a short period of time. However, it's important to make sure that the apartment you are moving into fits all of the qualifications that you have. It will become your new home for awhile, so it needs to be a comfortable and accommodating place to live.

If children are involved in the move, the neighborhood and school district the apartment complex is located in needs to fit your standards. Check out the schools that your children will attend and observe the neighborhood for signs of a children-friendly environment. Ask the apartment complex manager if there are a lot of children in the area. The apartments in West Des Moines need to be located in any area where you feel comfortable raising children.

When you go for a tour of the complex, many apartments will show a show room to give you an idea of what your apartment will look like. However, before you sign a lease on the apartment, be sure to see the actual one that your family will move into. Sometimes the show rooms can be much nicer than the real apartments in the complex.

Lastly, be sure that the management tells you what the procedure for breaking a lease is. Although you may not anticipate leaving the complex early, things in life do come up, and breaking a lease may become a necessity. Find out what fees and penalties are involved in the process.

Professional Property Management is one of the best in apartments West Des Moines has to offer. Visit us online ( http://www.sunprairie.com/ )

Immediately After an Auto Accident Saturday, October 23, 2010

Auto accidents occur in Pennsylvania every day at an alarming rate. They are difficult to deal with because of their commotion, excitement and disbelief. The following are a few tips to help deal with the immediate aftermath of the automobile accident.

1. Stop Immediately! Pennsylvania law requires that if you are involved in an accident that you must stop at the accident scene. You should immediately call an ambulance if anyone is injured. However, do not try to move the injured persons. If possible, try to warn oncoming vehicles of the accident by means of a flare or bright/flashing light.

2. Call the Police - Call the Police immediately so that an accident report can be prepared. Always get the Police report number and the responding Police Officer's name and badge number. Give only your name, address, Driver's License number, license plate number, name of the registered owner of the car and your insurance information

3. Do not admit anything, even if you think that you are at fault. Being in an automobile accident causes a great deal of immediate emotion like stress, excitement and anger. Take time to cool down and think about what happened to cause the accident before you make any statements to others regarding what caused the accident or who was at fault. Instead, take down the other driver's name, address, phone number, driver's license number, license plate number, name of the registered owner of the car, state of license, and insurance information.

4. Inform your Insurance company - Make a thorough accident report to your insurance company without delay. If you are injured, go to the emergency room or have a physician examine you as soon as possible. TAKE PHOTOGRAPHS OF ALL DAMAGES AND INJURIES

5. Contact an Attorney - Contact an injury attorney as soon as possible to assist in handling problems associated with the accident. You should be cautious of any person or insurance company who offers to adjust your injury claim or tries to hurry you into a settlement. If you are involved in an accident and have a viable claim, you should not try to handle it alone. Be sure to consult with an attorney to ensure that your interests and rights are protected.

Greg Artim is an Attorney based in Pittsburgh, PA. He handles civil matters such as Personal Injury in all of Pennsylvania. For more answers to your Auto Accident questions, please visit his website at Pittsburgh Injury Attorney

1990 SCCA Trans-Am Race - Des Moines, Iowa - 9 of 9 Thursday, October 21, 2010

9 of 9



http://www.youtube.com/watch?v=SOKKwXtyMnQ&hl=en

Will Marry for Health care insurance,My medical issues.Does Barack Obama care ? Monday, October 18, 2010

This is the history of my pre existing condition and why I will Marry for Healthcare. Please visit my new website being built nowwillmarryforhealthinsuranc e.com,Terri Carlson, a recently divorced California woman, put out an online advertisement for a husband saying she will marry anyone for their health insurance. Randall Pinkston reports,Please watch all my videos ,forward,rate,comment...help me support my fight to get health insurance .Also visit my we.com,Here I am without makeup! Visit my website in Process willmar or e-mail me at willm,Husband for Health Care,Viagra! Best Commercial! Viagra! Best Commercial!Banned viagra commercial Banned viagra commercial,McCain: Viagra or Birth Control John McCain is stumped when asked about his feelings about health insurance companies that cover Viagra and not birth control.Viagra in Your Drink?!? gnooze 3-11-08 The Governor of New York in a prostitution scandal, drugs in your drinking water, and the Israeli Foreign Minister visits Washington DC.Marta ...Marry Me within a year



http://www.youtube.com/watch?v=TpISvORA2aU&hl=en

Pharmacy Technician Continuing Education Wednesday, October 13, 2010

Although currently only a minority of states actually require pharmacy technician continuing education, more and more states have been adding this requirement. Regardless of state requirements, any pharmacy technician that is certified by the Pharmacy Technician Certification Board (PTCB) needs to complete 20 hours of continuing education every two years in order to get recertified. There are many options available for pharmacy technicians to complete their continuing education requirements.

The National Pharmacy Technician Association (NPTA) has accredited continuing education programs for pharmacy technicians available in a variety of different formats including online options, in print options, in person options, and recorded options. These pharmacy technician continuing education programs have been accredited by the Accreditation Council on Pharmacy Education (ACPE).

Once you have selected one of the pharmacy technician CE options available, you either read or watch the course material, and then you return to the website to take the course test. You need to score at least 70% in order to get credit for the course. If you receive a passing score you can print your certificate showing you have completed that pharmacy tech continuing education course. If you do not receive a high enough score to pass the course the first time, you can go over the materials again and try the test once more at no additional cost.

The American Society of Health-System Pharmacists (ASHP) also has pharmacy tech CE courses available. They can be taken through online courses, reading printed matter, or podcasts. Like the pharmacy technician continuing education courses of the NPTA, once you have finished studying the material you must take a test and get a passing score in order to get the continuing education credits.

Other organizations the provide pharmacy technician CE courses include JER Group, Inc. (through online workshops), American College of Clinical Pharmacy, Baxter Healthcare Corporation, The California Pharmacists Association, Drug Information Association, Drug Store News, DrugTopics.com, Free CE, George Washington University Medical Center, The Iowa Pharmacists Association, MediCom Worldwide, Inc., Medscape.com, the Meniscus Educational Institute, National Community Pharmacists Association, Oregon State Pharmacists Association, PharmaCE, Pharmacy Connects, Pharmacy Times, Power-Pak C.E., Professional CEU, P*ceutics Institute, QuickTestPrep.com, RxSchool, RxSuccess Pharmacy Technician Training Programs, RXTechSchool.com, Serono Symposia USA, State University of New York at Buffalo, Temple University School of Pharmacy, U.S. Pharmacist, and the University of Georgia Center for Continuing Education.

With all the options available for pharmacy technician continuing education it shouldn't be a problem for pharmacy techs to find courses of interest to them that they can take in order to complete their continuing education requirements. Louis Zhang, Certpharmacytechnician dot com

For more on pharmacy technician continuing education and accredited pharmacy tech programs go to Certpharmacytechnician dot com

Emden Saturday, October 9, 2010

A NHD Documentary about the SMS Emden which fought Valiantly in the Pacific during WW 1. This entry to NHD in Iowa made it to the state level only to be defeated by a 8th grader who made a weird poorly done documentary about Malcolm X. of Course ADH-4329 suspected foul play and indeed, the judging was a matter of Important causes vs. chronicling accounts in history. Um, whatever! i don't really care. ADH-4329 simply learned a great deal about the Emden and won the best documentary from a foreign prespective



http://www.youtube.com/watch?v=42qndxIgjB0&hl=en

Wading out in flooded Mississippi River Monday, October 4, 2010

Wading out from the cottage



http://www.youtube.com/watch?v=pmVk3j9J4qs&hl=en

Miami Home Mortgage - Give Wings to Your Dream to Own a House Monday, September 27, 2010

Miami home mortgage is sought after by many people. There are various factors that contribute to the popularity of this city. Some such reasons are that the city is ranked among the most urbanized cities in the United States. It is also the skyscraper capital of Florida, with its skyline being the same as New York and Chicago. Miami is a global city, which houses a large number of industries. The weather here is pleasant. What's more, this city has the most favorable financial environment for investment.

Choosing Your Lender

The last ten years have seen a great boom in the real estate sector in Miami. However, due to the sub prime mortgage mess, a lender, who offers Miami home mortgage at low interest rates and at the same time does not have very stringent requirements for qualifying individuals for loans, is a great catch. He should have the know-how of home mortgages in Miami and long-term loans. If he offers an easy and quick mode of application, like online application, it will give you an added advantage of convenience and comfort.

Choosing the Loan Type

It is always important to decide, what type of mortgage would be best for you. There are different options available, classified according to the interest rate. You can choose from:

o Fixed rate home mortgage loans for a period of 30 years or 15 years, where the interest rate is high for a longer duration and as low as 0.25% to 0.5% for smaller duration;

o Adjustable rate mortgage loan where the interest varies according to the fluctuations in the real estate market; or

o Interest only mortgage loan, where you pay only the interest as installments and the principal towards the end of your mortgage period.

The Personal Factor

Each application for Miami home mortgage is separate, as each individual has different requirements, payment options and resources. Each person has a different purpose for buying a property in Miami. Therefore, a package, which is custom-made for the client, keeping in view his needs and limitations, is always the best.

Visit CORE online to get free access to more information and resources for getting a Miami home mortgage

How To Buff a Car Friday, September 24, 2010

Let Duffy's, your export in classic car care show you the proper way to buff your car, and keep it looking like new. Visit our website at www.duffys.com for more how to's!



http://www.youtube.com/watch?v=RcdnUsHE0OA&hl=en

BHS weight room

The very impressive Bettendorf High School weight room.



http://www.youtube.com/watch?v=f0GdE56yOLQ&hl=en

Free Arrest Warrant Search - Do I Have Active Arrest Warrants? Wednesday, September 22, 2010

Do you want to find out if you have an active arrest warrant? If so, then you could possibly perform a free arrest warrant search by visiting your local courthouse or your police station. Of course, visiting the police station may not be a good idea because you may get arrested depending on if there is actually a warrant out for your arrest.

You should not get arrested at the courthouse but sometimes it takes weeks before you will get the information you need. You could also perform a free online arrest warrant search utilizing search engines such as google or yahoo but chances are you will find very basic information.

There are free arrest warrant websites that state they will give you a complete comprehensive background report for free but do not believe all the advertisements you read. After you give them all the information on the person you are researching, they will then ask you to pay in the end and you still may not get all the information you are wanting on yourself or someone else.

If you definitely need to find out if you have any warrants for arrest against you then we would recommend utilizing a cheap criminal background website so that you can perform a reliable arrest warrant search on yourself or anyone else.

Try to find reliable criminal background check services where you would pay a one time minimal fee for unlimited searches on yourself and anyone else you are thinking of investigating. The majority of these services have unlimited searches for 1-5 years which is really worth the pennies you will pay.

If you are trying to save time and money, it is a good idea to check out criminal background check reviews before making your choice on which service is best for you.

Here is a list of the best criminal background check services websites.

Take a minute to read our top 3 criminal background check reviews.

The Importance of Construction Law and Litigation Tuesday, September 21, 2010

Recent problems in the housing industry and economy have resulted in a number of canceled and abandoned construction projects. As a result, the need for construction lawyers is greater today than ever before.

Construction projects involve a multitude of various contracts and many different people. Construction law is not as cut and dry as other types of law because of this.

Each construction law firm specializes in different areas, but will likely address legal issues such as:

• Construction delays--delays have become a very serious issue as money becomes a problem for contractors. But even if the contractor or the person who spearheaded the project no longer has money to finish a project, he or she still owes a great deal of money to investors. Many projects have been abandoned because of this issue.


• Cost overruns and change orders--this is when an individual investing in a construction project believes that he or she was lied to when the deal was first sold and a solid monetary number was listed.


• Contracts--as previously mentioned, there are many contracts involved in any construction project. There are contracts between investors, contractors, employees, renters, etc.


• Defective work claims--when money starts to dry up, it is common for contractors to try to cut corners by finishing the work on the project in a very cheap and poor manner.


• Defects such as roofing defects, water intrusion, structural life safety issues


• Liens


• Insurance coverage disputes


• Mold and mildew claims


• Documents related to the project including loan documentation

Most construction projects have so many elements to attend to that it is difficult to proceed without a knowledgeable construction lawyer.

To find out more about construction law and litigation, visit the website of the Iowa construction law and litigation lawyers at LaMarca & Landry, P.C.

James Witherspoon

Obama ahead in key swing states: poll Sunday, September 12, 2010

Democrat Barack Obama is pulling ahead of his Republican rival John McCain in two key swing states of Iowa and Minnesota, but remains in a dead heat in Ohio, a new poll said Wednesday. The biggest margin was in Iowa, where 55 percent of the 912 people polled said they would be more likely to vote for Obama compared with 40 percent for McCain, in the CNN-Time poll carried out from Saturday to Tuesday.



http://www.youtube.com/watch?v=Vo7y6OB0foE&hl=en

4 Amazing Facts About the Nebraska Huskers and the Crop it Honors Tuesday, September 7, 2010

Although you have probably heard of the Nebraska Cornhuskers, have you heard of the Nebraska Bugeaters? The athletic squads of the University of Nebraska have a rich, long history. In particular, the school's football team has consistently ranked as one of the nation's top squad s. Here are some facts with which you may not be familiar, regarding the university named after one of the tastiest grains on the planet:

1. Nebraska's nickname honors the most valuable crop in the United States
It is true. In terms of the volume produced and its value, corn is the top crop in the USA. Thus, the Nebraska Cornhuskers are representing America's number one crop! Here are some other fascinating facts about corn:

o America produces twice as much corn as any other crop.
o Illinois, Iowa, Minnesota, and Nebraska grow 50% of US-grown corn.
o Iowa sells 55% of its corn, to foreign nations.
o Corn is a major ingredient for sodas, peanut butter, and snack foods.
o An average ear of corn includes 16 rows and 800 kernels.

2. The Nebraska Huskers were once the Nebraska Rattlesnake Boys
The Nebraska Cornhuskers have been known as such, for roughly a century. Charles "Cy" Sherman, a sportswriter from the "Nebraska State Journal," proposed that people refer to Nebraska University's athletic teams, as the Cornhuskers. Before that time, various nicknames for the team included: Antelopes, Bugeaters, Nebraskans, Old Gold Knights, Rattlesnake Boys, and Tree Planters

3. The Cornhuskers won a national championship without winning all their games
Nebraska's football team has never been defeated during their five national championship seasons (1970, 1971, 1994, 1995, 1997). However, in 1970 their record was 11-0-1, and included a 21-21 tie against the University of Southern California. Arguably, the Huskers should have won the game. In the fourth quarter, Nebraska missed a 12-yard field goal, following a bad snap from the Center. USC then scored a touchdown, to knot up the game. Ultimately, the Associated Press college football poll ranked Nebraska as the nation's #1 team.

4. The Cornhuskers have retired 22 athletes' jersey numbers
This total includes 15 men, including the football stars Mike Rozier and Tommie Frazier. Rozier had an outstanding career at Nebraska, as a running back on the football squad. During his senior year (1983), Rozier won the Heisman Trophy award-which the NCAA annually awards to the top college football player. Unfortunately, during Rozier's senior year, Nebraska lost the championship game to Miami.

Meanwhile, Tommie Frazier led Nebraska to back-to-back national championships (1994, 1995). In one ESPN.com poll (2006), voters chose the 1995 Huskers team as the top team in American college football history! Tragically, the NFL never drafted Frazier, due to a severe blood clot that his left leg contained.

Regardless of how many years we have been an NCAA team's fan, we can always learn something new about the team. You know about past NCAA titles, but you do not know about future ones. Use Nebraska Cornhuskers merchandise to cheer the team to another national championship!

Rick Grantham is an avid NCAA fan. Most of Rick's articles focus on Nebraska Huskers Merchandise. Many articles are related to college gear and other sports related topics. Rick is a contributing author to BooYah Village

Outlaw Dirt Kart racing 7-8-2007 ECS Saturday, September 4, 2010

remember, these kids are ages 5-8, English Creek Speedway, Knoxville Iowa, July 8, 2007 Restricted Box Stock feature race, watch the 53 car of Joshua Moffitt of Des Moines Iowa ... these kids run 40+ MPH on a well prepared track



http://www.youtube.com/watch?v=2zwgy7HBhos&hl=en

State Lines and PIs - To Cross Or Not to Cross

State lines and PIs: to cross or not to cross that is the question. A Shakespearian conundrum.

Your driver's license is accepted in all 50 states. So is your marriage license. What about your PI license?

The NASIR stated, several years ago, it hoped one day the PI license too will be accepted in other states. Today this is not the case...or is it. Read on.

In researching this article I learned there are as many opinions on the subject as there are people and no real consensus of opinion or understanding of the subject matter. However, we are in search of facts and law, not just opinions.

I spent some time in Texas last year. You can drive for days and not leave that State. Here in New Hampshire I can be in three different States in 60 - 90 minutes. Many residents live here and work just over the border. Crossing State lines is an important issue here in the Granite State.

What do you do on surveillance when the subject crosses the border? Tough call. Steve Byers, my good friend and mentor, feels this is like following a subject to a members only club, like the American Legion. Surveillance stops at the door. You have no legal right to enter. The client should be happy with the results and your professionalism. You didn't trespass.

Steve feels the same concept applies to crossing State Lines. Stop at the border, unless you are licensed there. Many licensing authorities mirror this sentiment. However, this does not make it right...or wrong.

Your driver's license is accepted in all states, temporarily, as long as you are just passing through and not living there. Your marriage license is accepted permanently. Why not your PI license?

Licensing Agents here in New England seem to subscribe to the philosophy that a license is required to cross the line to do any part of an investigation.

One New England licensing agent recently stated, to a licensed PI, that crossing the line and having a "conversation" with a witness was not an investigation, but if you "interviewed" the witness, you were "investigating." I would explain this further, but I don't quite grasp it.

There are several scenarios possible: A mobile surveillance where the person unexpectedly crosses the State line. What about a case for a NH attorney? A case in NH Court and one witness lives over the border? Or the witness lives in NH but his wife tells you he is at work, in a bordering state, close by. He does have time to see you today. Do you go?

There are a myriad of opinions and possible solutions. I network with a lot of PIs in neighboring states. I can pick up a phone and get it done. But this does not answer the question. When can you cross a State line?

DISCUSSION

Some interesting data can be found in American Law Reports, 93 ALR 2nd.

According to this compendium of cases, a licensed individual who performs a single act, or isolated transactions, in a foreign State, willnot be considered as engaging in that occupation, within the purview of the law requiring licensure of that occupation.

The Courts look at the intent to engage in these activities with any permanency: In other words, holding themselves out for hire, or "do business" in the foreign state.

A foreign (out of State) Corporation/individual, by doing a single isolated act of business, with no purpose of doing any other acts there, does not come within the provisions of a statute requiring foreign companies to comply with specified conditions before they are permitted to do business within the state.

To "do business "is to carry on any particular occupation or profession.

According to data in 93 ALR 2nd: when confronted with a single or some isolated transactions, the Court, in reality, determines the intent of the individual. This is, it seems, to differentiate the intent to complete an assignment from the intent to "do business" or hold oneself out to do business in the foreign state.

STATE BY STATE

The Dept. of Safety in New Hampshire has stated that one must be licensed in New Hampshire, period, to enter the state on any investigation.

Iowa is a bit more flexible. In order to determine jurisdiction they apply a more flexible approach:

"The Department will consider the following factors in determining jurisdiction. Types of activities that are not, by themselves, viewed as demonstrating jurisdiction in Iowa include, but are not limited to the following:

(1)A non-Iowa based private investigation business works on a criminal, civil or administrative case that that originates and is filed in another state, but contains some investigative elements in Iowa."

In North Dakota they have not had to review this type of scenario, having to cross a state line to finish an assignment. They assured me, in their letter, each case would be reviewed independently by the Board. The board feels it would be best "for an investigator to comply with our licensing requirements in anticipation of any such occurrence."

Vermont states that you must obtain a Transitory Permit (Temp. license) before entering the state. I did this once. The client needed the information ASAP and wanted me to get it. It took 30 days to get the permit. I am not complaining by the way. I have several friends in Vermont who it on the Regulatory Board. I think they have the best system in the country. I used it as a model when drafting our legislative proposal to overhaul the system in NH.

Kentucky did not answer the question. They did supply me with a copy of their licensing law but it did not address the issue directly.

Connecticut also would not answer the question, stating they cannot give legal advice and referred me to read their laws...which do not address the issue. If you need to go into Ct. don't bother to call, I guess.

INDIVIDUAL EXPERIENCES

A NH licensed investigator ended up in Vermont on a W/C case, having followed the claimant from Claremont, NH unexpectedly. He taped the claimant engaged in very strenuous activity in Vermont. The case ended up in Court, and the question of his legality was questioned by the claimant's legal counsel. The judge ruled it WAS legal because of the circumstances. The investigator was: hired in NH, by a NH attorney, to watch someone whose legal address was in NH. There was no way for the investigator to know the claimant had purchased land in VT, and was excavating to start building a house. The PI was not "doing business" in Vermont.

Closer to home is the experience of my colleague Jim Collins from Massachusetts. I have known him for many years and he is a "by the book" kind of guy yet he ran afoul of licensing authorities and he prevailed.

It was a mess dealing with the authorities in Florida mostly ex-cops at the licensing division in Florida, Jim told me.

The most informed and reasonable person he met was a female attorney general who agreed with his arguments and she killed both cases, dismissed them eventually.

In one case a subject was followed from Massachusetts to Florida. Jim later testified in Probate Court during her divorce. The wife had started an affair with a younger man from another State, and they met in Florida. Her attorney made a big deal, in Court, of Jim not having a Florida license.

Jim did not know for certain, when he started, where she was going to end up and thought (from client supplied information) she might be going to Virginia, where her suspected paramour lived.

Her attorney "reported" him to Florida Dept. of State and gave them his investigative report which made its way into the record in Massachusetts.

The Massachusetts Judge reviewed the Florida statute and agreed that Jim was not in violation of Florida law at all, as he was not "operating" a business in Florida. The Judge pointed out Florida citizens could not even find him in Florida to hire him, as he had no ads, no telephone listings, and no office.

The Massachusetts Judge said the primary reason for "business licensing" is to protect the public from unqualified persons. Jim's Massachusetts license took care of that.

Jim is regulated by Massachusetts, the Judge said, so the people up here who can find him and hire him are protected by the Massachusetts licensing authority.

The Judge in Probate & Family Court allowed all of his testimony on that case. That reduced (by at least $50,000.00) the divorce settlement proceeds the subject received. She and her boyfriend came at him with a vengeance, filing complaints and lawsuits against him 1,500 miles away in Florida. Jim prevailed. He was not operating a business in Florida.

The other case started in Mass. and ended up in New Jersey. A disability case worth millions and one day after a deposition the subject boarded a plane suddenly and Jim's investigator followed her to Florida. Should he have parachuted out or just abandoned the assignment?

They reported him when he testified at a deposition. He testified in Massachusetts and in New Jersey.

Both parties were upset and lost hundreds of thousands of dollars (if not millions) because of these investigations. That is why they vindictively filed complaints with Florida authorities. Hell hath no fury...

Incidentally, while they were "guests" in Florida, they checked in with all local Police Departments, with Massachusetts PI Id's and they could not have been treated nicer.

According to Jim, (just like the TV show):

"The biggest reason we prevailed was always our solid case that we were 'not running a detective business in Florida." Judges kept coming back to that point. We have no special police powers to do the tasks we do, the PI license is simply a business license.

The Florida Judge pointed out that when he was an attorney he often went out of state to take depositions and he was not licensed as an attorney in the foreign state. The tasks we were completing in Florida, looking up public records, monitoring someone's activities, researching, taking photographs in a public area, do not in and of themselves require a special license. Many others do those same tasks and have no special licensing. The PI license is for "conducting the business of a Private Detective in Florida" which the judges said we were not doing."

If these seems ridiculous to you consider this: Jim's firm was "doing business" in Massachusetts on a Massachusetts based case. He was visiting Florida to complete the assignment.

CONCLUSION

As I researched this article, I posted to many PI lists expecting to be inundated with replies. I got very few.

This is an issue that does not affect all of us but could affect many of us. If the circumstance arrives on our own doorstep, I think it is important that we are aware of the issue, potential problems, and the way this is viewed by the Courts and licensing authorities.

It is obvious that Courts view this differently than the majority of licensing agents. Apparently the licensing agents need to be educated and that is our task. Licensing is designed is to protect the public by keeping unqualified people out of the profession, not to prevent crossing state lines.

Crossing a State line is apparently different than "doing business" in the foreign State.

Each State has different standards to obtain the license. This could be a piece of the puzzle. A few require no license and in Rhode Island each town/city issues the license. They have debates, from time to time, about the license being valid in other cities and towns.

Perhaps in the future we will see more consistency in licensing standards and this will help to alleviate this problem.

http://www.litigationintelligence.com

Author

John M. Healy is the Past President of The New Hampshire League of Investigators, Inc, and Past President of the New England Council of State Investigator Associations.

He has been a licensed investigator since retiring from the NH State Police at the rank of Lieutenant. He does business as Litigation Intelligence Services, LLC and lives in Warner, NH with his wife, daughter, granddaughter and three cats.

He and his wife Muriel are authoress of the book: Cold Dark Water

http://www.colddarkwater.com

JVR JV 8-30-2010.wmv Thursday, September 2, 2010

JVR JV South Central Calhoun Titans football August 30, 2010 @ Albert City, IA.



http://www.youtube.com/watch?v=1xcjfNucZCM&hl=en

Dog Nurses Motherless Kittens Sunday, August 29, 2010

Kittens from three litters are being nursed by a dog at a shelter in Iowa after the kittens lost their mothers. (April 23)



http://www.youtube.com/watch?v=wz8vFqCC9dU&hl=en

Brandon Wegher Iowa halfback "The Machine" highlights Wednesday, August 25, 2010

First down and touchdown machine! Iowa's all time leading high school rusher picks up where he left off as a true freshman for Iowa. Had 967 all purpose yards which ranks 4th all time among freshman at Iowa. Scored 8 touchdowns while splitting time with other backs



http://www.youtube.com/watch?v=XB5nG_HpYCk&hl=en

Top Insurance Companies - Selling Single Premium Life

New and professional insurance agents alike, often overlook selling single premium life. Some agents do not know who the top insurance companies offering the plans are. Other agents are unfamiliar with the advantages the coverage can provide the client. This will briefly explain the needed information on both

This is a great option for a client that has a lump sum of cash not needed right now, and desiring guaranteed life insurance protection. For provide the family or charity with a later payment, single-premium life insurance may be the ideal product for you. The minimum investment payment is usually $5,000.

Single Premium Life Insurance protects the financial security of individuals interested in preserving and transferring their wealth without passing along estate taxes. Single premium life insurance requires a one time, lump sum of money paid into the policy in return for a death benefit guaranteed to remain paid-up until the policy owner dies. With single-premium life insurance, the cash invested builds up quickly because the policy is fully funded.

The size of the death benefit depends on the amount invested and the age and health of the insured. At age 55, a $25,000 single payment on a female could carry a $60,000 death benefit. In turn a 50-year-old male may make a $25,000 single payment and have a $100,000 death benefit. Some SPL policies give tax-free access to the death benefit to pay for long-term care expenses. This super feature can help protect other assets from the overwhelming cost of long-term care. The death benefits remain in the policy, and when the policy owner dies, they pass income tax free to the beneficiaries.

 Investment Options   There are two popular single-premium policies that offer different investment options. First, there is single premium whole life, which pays a fixed interest rate. This rate is based on the investment experience and current economic conditions affecting the insurance company.  The other option is single premium variable life that allows policy owners to select from a wide number of professionally managed money market, stock, and bond or set up a fixed account.

The advantages of single premium life insurance include earnings that accumulate tax deferred, a beneficiary receives an immediate, tax-free death benefit, and policy owners are able to retain access to their money to meet unseen circumstances.

The disadvantages of singe-premium life are that is not a deposit that it is not FDIC insured by a Federal Government Agency. It is also not guaranteed by any bank provisions and could possibly lose value.

The Top Insurance Companies Actively Promoting SINGLE PREMIUM LIFE

1. Americo Financial Life and Annuity Insurance Company, all states but Al, AK, MS, NJ, NY, PA, WA

2. AmerUs Life Insurance Group, national

3. Assurity Life Insurance Company, national

4. Aviva Life $ Annuity Company, all states but MA. MT, PA, VT

5. Baltimore Life Insurance Company, all states but KY, MA, MT, NY

6. Catholic Family Life, these 20 states: AZ, CA, CT, IL, IN, IA, ME, MD, MI, MN, MN, MO, NE, NH, PA, RI, SD, VT, VA. WI

7. CSA Fraternal Life, these 17 states: CA,CO,FL, IA, IL, IN, KS, MD, MI, MO, NE, NJ, OH, PA, TX, WI

8. EMG National Life Company, no NJ or NY

9. Equitable Life & Casualty, all states but AK, CA, CT, DE, FL, GA, HI, MD, MA, MN, NJ, NY, PA, RI, VT, WA, WI

10. Illinois Mutual, all states but not AK, HI, NJ, NY

11. Lincoln National Life Insurance Company, national

12. Motorists Life Insurance Company, available in FL, GA, IL, IN, KY, MI, OH, PA, SC, TN, VA, WV, WI

13. Mutual of Omaha, all states but MD, MA, NJ, PA, VT

14. New York Life Insurance Company, national

15. National Guardian Life Insurance Company, all states but ME, NY, VT

16. Nationwide Financial, all states but CA, CT, HI, MA. MS, MT, NV, NJ, NC, PA, TX, UT, WA

17. Royal Neighbors, All states but AL, AK, HI, MA, NH, SC, VT

18. SBLI USA Mutual Life Insurance Company, most states

19. Standard Life and Accident Insurance Company, all states except AL, AK, ME, MT, NH, NJ, NY, SD

20. William Penn Association, all states except CA, CT, Fl, Il, IN, KY, MD, MA, MI, MO, NE, NJ, NY, OH, PA, VA, WV, WI

Well published author, Don Yerke likes to concentrate on what you don't know or what no one else dares to print. Tell it like it is.

Watch for his new paperback book debuting on Amazon early this summer. It is loaded with great insurance marketing and recruiting information.

Come and get your FREE "Think and Grow Rich" Ebook by Napoleon Hill instantly. The website address is http://www.agentsinsurancemarketing.com

Hope you enjoyed this article on selling single premium whole life insurance.

GROTTO OF THE REDEMPTION PART 5 Monday, August 23, 2010

GROTTO OF THE REDEMPTION was create by hand from father dobberstein in early 1900's in WES BEND IOWA, suffering from pneumonia,he prayed to our lady and promised her this GROTTO IF CHRIST WIL SPARE HIS LIFE.



http://www.youtube.com/watch?v=m-lAiVPef20&hl=en

Buick Lucerne CXL For Sale at Runde Auto Group -- Stock Number 9U118322 Saturday, August 21, 2010

If this link works, then the car is still probably available for sale www.rundeautogroup.com --- give us a call at 800-735-5200 if interested. Walk around video shot at Runde Auto Group in Hazel Green, WI on 7-06-10.



http://www.youtube.com/watch?v=EkjlJynq-2g&hl=en

slipknot - i am hated Friday, August 20, 2010

slipknot - i am hated!



http://www.youtube.com/watch?v=vsIEpEAvlzY&hl=en

My Campaign Slogan? Yawn Thursday, August 19, 2010

390 days.

That's how long it's been since Barack Obama stood on the steps of the Old State Capitol building in Springfield, Illinois and announced his presidency.

It's been even longer for Hillary Clinton, who has campaigned for 412 days since announcing her intentions on running for the highest office in the country.

Mitt Romney, Rudy Giuliani, and John McCain all announced their hopes for the presidency well over a year ago. That may be the reason that two of those three have since dropped out.

The fact of the matter is this year's presidential election process has been boring. It's the equivalent of watching grass grow everyday for six hours. Not that I don't love politics and the bickering and infighting and speculation that McCain or Clinton was out of the race months ago. But for this campaign to have lasted over 480 days by the time the conventions roll around, that's absurd.

The problem is the process. We've got this long drawn out primary and caucus garbage that gets us no where but to bed earlier each night. It lasts from early January until June a total of six months. And there was a total of 10 months of campaigning before the voting even started.

The democrats also utilize the dumbest process for electing a candidate. Their formula seems like it was set up to mold a long campaign. Here's the gist of it.

Each state holds a primary or caucus, just like every other state. The difference comes with how the delegates are tallied up.

On the democratic side the DNC decided that each state will do it the same way. Some delegates are rewarded based upon the percentage of the total vote won. For example, if Hillary Clinton won 51% of the vote and Barack Obama won 47% of the vote, Clinton would grab 51% of the delegates. But that's only the beginning.

Delegates are also rewarded based upon the results from each voting district. Each district is distributed a certain amount of delegates (usually three) and they are split up depending on the votes from each district.

Do you see why this is the dumbest process ever?

With this nominating procedure you're left with situations such as Texas, where Hillary Clinton won the overall popular vote, but it looks as if she'll draw with Obama on delegates if not fall short.

So the people that voted for Clinton will be represented at the convention with more Obama delegates. Does that make any sense?

To make it even worse democratic elites thought they should get two votes. So they invented super delegates.

Super delegates are extra special people in the democratic party that are so awesome that they get to vote twice. Well, not literally.

They're Americans so they can vote in their state's primary or caucus, but remember they're also kick ass democrats, so they can endorse any candidate they choose and that candidate picks up another delegate.

Power to the people! Or should I say, power to the DNC elite!

This sucking away of popular sovereignty on behalf of the left has put them in a little bit of a bind.

As of right now neither Obama or Clinton are anywhere near enough delegates to secure the nomination. And if the states continue to split, there's likely not going to be a clear nominee come convention time. But wait! There's a solution. Those flippin' sweet voters called super delegates. They'll sweep in and decide the nominee.

The problem? This country isn't based off of Washington bureaucrats that the DNC feels compelled to knight superior to the average man. It's based off of the American people, and they should decide the nominee.

So how can we do it right? Is there a process out there that would easily pick a nominee with no doubt in anyone's mind. The answer is yes. And we happen to execute the process the first Tuesday of every November.

Our primary voting needs to run just like our general election, minus the electoral college. That means every single state in the union votes for their party's nominee on the same day. We get rid of the delegates and who ever wins the largest percent of American's is the winner. Game, set, match.

We can still have time to evaluate each candidate. We can hold more debates, that actually engage the audience and aren't censored by the media. The candidates can have more rallies and the citizens of this country can ask more questions. But there's no sense in spreading out the votes across six months when most people have their mind made up after two.

Not to mention that a candidate can gain "momentum" and win states that fall later on the calendar. I'm sorry but last I checked this wasn't a game of basketball, this was electing the leader of the free world. A candidate shouldn't have to pick up momentum as strategy, that person should be elected based on their merits and their beliefs, not because they won Iowa or Ohio.

If we do that we'll be able to cut the number of days the electing process takes in half. Because while it's been over 400 days since this darn thing started, there's still 292 days left.

Jacob Bodnar is the host and producer of the weekly conservative podcast, The Current Podcast. His shows and columns can be accessed at http://www.thecurrentpodcast.com

New Iowa Casinos Won't Be Sure Bet Wednesday, August 18, 2010

Iowa Gov. Chet Culver says he wants the racing and gaming commission to approve four new casinos in order to bring an economic boost to struggling communities.



http://www.youtube.com/watch?v=03UKn0VgZgk&hl=en