HBT: Francona sending sexy texts to young woman?

This is a pretty darn Deadspin story, but since it comes from Deadspin, I suppose it?s understandable. If it?s not your bag, move along.

Upshot: the separated Terry Francona has been sending ?sexy? texts to a much younger woman. ?Sexy? is in quotes because most people really wouldn?t consider a pic of Terry Francona with his shirt off and a towel wrapped around him, his bald head glistening in the sun to be ?sexy.?

That aside, the boyfriend of the woman found it while apparently raiding her email. He then found a cleavage pic his girlfriend sent back to Tito and a bunch of texts they exchanged and sent it all on to Deadspin, who published the pics because that?s what Deadspin does. Ah, true love.

The takeaways:

• I?m not gonna get on Francona for this AT ALL. Dude is single and can do what he wants. He probably doesn?t know the woman has a boyfriend anyway. ?Indeed,?I actually find him almost adorable in a ?poor recently-single guy has no clue whatsoever how to do the sexy texting thing with someone? way. Which in some ways I can relate to, sadly, even if I never did anything sad/funny like that since the ex and I split up. I don?t think so, anyway. Gotta ask my girlfriend about that.
• The girlfriend: It?s hard to approve of someone in a relationship texting stuff like that to some other dude, but what she does is between her and her God, I guess;
• But even if that?s wrong, isn?t this boyfriend a jerk for raiding his girlfriend?s email and texts and sending it on to a gossip site like Deadspin? ?What is wrong with people? Maybe he?s being done wrong in the whole Terry Francona triangle, but if he doesn?t respect anyone?s privacy, he probably was gonna screw up and get dumped eventually.

Anyway: here?s to young love. And to older, bald, recently split dudes getting together with attractive young women. My name is Craig Calcaterra and I approve of that message.

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Blake Lively Admits 'Gossip Girl' Isn't Her "Best" Work

Blake Lively has loved playing Serena van der Woodsen, but she's excited about the prospect of steering her career away from the Upper East Side. The Gossip Girl actress will be shooting the sixth and final season of the hit CW show this summer, and then she'll hang up her stilettos as the primetime soap star.

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Colleges' bank deals saddle students with big fees

WASHINGTON (AP) ? As many as 900 colleges are pushing students into using payment cards that carry hefty costs, sometimes even to get to their financial aid money, according to a report released Wednesday by a public interest group.

Colleges and banks rake in millions from the fees, often through secretive deals and sometimes in apparent violation of federal law, according to the report, an early copy of which was obtained by The Associated Press.

More than two out of five U.S. higher-education students ? more than 9 million people ? attend schools that have deals with financial companies, says the report, written by the U.S. Public Interest Research Group Higher Education Fund.

"For decades, student aid was distributed without fees," said Rich Williams, the report's lead author. "Now bank middlemen are making out like bandits using campus cards to siphon off millions of student aid dollars."

Programs like Higher One's shift the cost of handing out financial aid money from universities, which no longer have to print and mail checks, to fee-paying students, Williams said.

The fees add to the mountain of debt many students already take on to get a diploma. U.S. student debt tops $1 trillion, according to the Consumer Financial Protection Bureau.

Student loans have surpassed credit cards as the biggest source of unsecured debt in America, according to the CFPB, which regulates cards and private student lenders.

It took Mario Parker-Milligan less than a semester to decide that he was paying too many fees to Higher One, the company hired by his college to pay out students' financial aid on debit cards.

Four years after he opted out, his classmates still face more than a dozen fees ? for replacement cards, for using the cards as all-purpose debit cards, for using an ATM other than the two on-campus kiosks owned by Higher One.

"They sold it as a faster, cheaper way for the college to get students their money," said Parker-Milligan, 23, student body president at Lane Community College in Eugene, Ore. "It may be cheaper for the college, but it's not cheaper for the students."

Among the fees charged by Higher One, according to its website, is a $50 "lack of documentation fee" for students who fail to submit certain paperwork. The U.S. Department of Education called the charging of such fees "unallowable" in guidance to financial aid officers issued last month.

Higher One founder and Chief Operating Officer Miles Lasater said in an email that the company takes compliance with the government's rules "very seriously," and officially swears that to the government each year.

"We are committed to providing good value accounts that are designed for college students," he said, and students must review the company's fee list when they sign up for an account. He cited a study commissioned by Higher One that declared Higher One "a low-cost provider for this market." The same study found that the median fees charged to the 2 million students with Higher One accounts totaled $49 annually.

Among the fees charged to students who open Higher One accounts: $50 if an account is overdrawn for more than 45 days, $10 per month if the student stops using his account for six months, $29 to $38 for overdrawing an account with a recurring bill payment and 50 cents to use a PIN instead of a signature system at a retail store.

Higher One has agreements with 520 campuses that enroll more than 4.3 million students, about one-fifth of the students enrolled in college nationwide, according to public filings and the U.S. PIRG report. Wells Fargo and US Bank combined have deals with schools that enroll 3.7 million, the report says.

Lane Community College's president, Mary Spilde, said in an interview that the real problem is a "lack of adequate public funding," which forces students to seek financial aid and colleges to find ways to cut costs.

"Many institutions are looking at ways to streamline and to do things that we're good at, which is education and learning, and not banking," Spilde said.

Students can opt out of the programs and choose direct deposit or paper checks to receive their college aid, but relatively few do. The cards and accounts are marketed aggressively using college letterhead and websites carrying the endorsement of colleges. Higher One also warns students that it will take extra days if they choose direct deposit or a paper check.

In the end, students feel locked into accounts before they have a chance to shop for a better deal, Parker-Milligan said.

He said that's especially tough for poor students who rely on food stamps and other social services. Those students budget down to the penny, and don't plan on paying a fee when Higher One's ATM runs out of cash, he said.

Offerings by financial companies vary by campus. Some issue checking accounts with debit cards. Others offer prepaid debit cards, which are similar to bank debit cards but can carry higher fees and offer fewer consumer protections.

Often, students' campus ID cards double as payment cards. At the University of Minnesota, TCF Bank issues cards that serve as school IDs, ATM and debit cards, library cards, security cards, health care cards, phone cards, and stored-value cards for vending machines, the report said. TCF also has branches on campus and 25-year naming rights to the football stadium. Its cards charge similar fees, the report says.

Having such visibility on campus is a big benefit for banks seeking exclusive access to an untapped group of potential customers. Many banks are willing to pay universities for the privilege.

Under its contract with Huntington Bank, Ohio State University will receive $25 million over 15 years, plus a sweetener of $100 million in loans and investments for the neighborhoods around campus, the report said. Florida State receives a portion of every ATM fee paid by a student, it says.

It's difficult to get a full picture of how much money the schools are getting because most of them refuse to release their contracts with banks. Only a handful were available to the authors of the report.

Ohio State and Florida State did not immediately respond to requests for comment. The National Association of College and University Business Officers, a trade group involved in the issue, did not respond to multiple requests for comment.

Lane Community College receives no payments under its contract with Higher One, Spilde said. Lasiter said Higher One does not "offer revenue sharing" to colleges that it partners with. However, Higher One does pay some universities under existing contracts, according to the U.S. PIRG report.

Campus card deals have become more popular in part because of recent legal changes that cut into the profits banks can generate from students.

A 2009 law banned credit cards given to students who had no way of repaying. It forced colleges to disclose deals with credit card companies and stopped some forms of marketing, such as offering students free gifts in exchange for obtaining a credit card.

Until recently, banks also made a lot more money from student loans. They extended federal aid to students, and also offered confusingly similar, higher-cost private loans alongside the government programs. Congress cut them out of the equation in 2010.

Neither change affected debit cards. As the recession forced states to slash higher education budgets, companies such as Higher One, Wells Fargo and US Bank approached colleges with an attractive proposition: The companies would assume the cost and hassle of handing out student aid funds, often paying for the privilege.

___

Online: http://uspirgedfund.org/reports/usf/campus-debit-card-trap .

Daniel Wagner can be reached at www.twitter.com/wagnerreports.

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3DS Mod - Retirement Planning With Investment Properties

All around you, individuals are acquiring rich off home, ordering at merely the right time and reselling at higher values or with tenant hire revenue to repay a current mortgage. Are investment properties a wise decision? Or is the marketplace in a downward spiral?

As with anything, there is one-size-fits-all answer, yet acquiring information is the first step to assessing whether investment attributes usually be incorporated the supplemental pension plan.

Pros of having investment attributes are evident. Hypothetically speaking, imagine having a six-plex in a slow-changing, however successful piece of Atlanta where we billed each tenant $1,000. The monthly mortgage for the building can be $3,000 yet youll have which additional $3,000 pillow each month.

Another advantage of property investments is the good taxation kickback you might receive. If you take pleasure in having your lump sum taxation return by the end of the year, then possibly investing and offering attributes whenever we require which rapid amount of money is proper for we.

Also, there is penalty for opting out early or age laws regarding whenever you can easily start using your earnings. You dont must be rich or super business savvy to add property ownership into the pension planning curriculum. Its been named ?the equal opportunity riches builder.?

Cons of investment attributes include the no guarantee issues. Its moreover not a feasible choice for everyone due to significant deal costs. Not everyone has lots of money saved to make a substantial down payment.

Vacancies, bad tenants, repair costs and property oversupply are some of the disadvantages. Like any investment, there are lots of aspects past the control which could affect the money. For greater ensures, 401ks or IRAs should be incorporated the financial pension planning.

Your achievement in home investment attributes usually rely largely about whenever and where we buy. Money Magazine revealed the many development in Panama City, Florida and Washington state ? places like Olympia, Spokane and Mount Vernon.

Slow-changing yet profitable stores exist in Atlanta, Providence and Albuquerque. First time investors need to eliminate ex-boomtowns like Los Angeles, Santa Barbara and Las Vegas, where exorbitantly significant costs result in the marketplace unsustainable.

While downtown home can be profitable, its not advised for those who are simply just pension planning for some supplemental money.

Since the normal American moves each five to four years, and twelve million houses are available annually, why not capitalize about this trend whenever pension planning? It doesnt really take a rich person to invest and income.

If youre seeking to downsize the house following your loved ones moves out and earn some additional spending revenue, investment attributes is the proper supplemental pension plan for we!

Vernon Custom Homes

This entry was posted on Wednesday, May 30th, 2012 and is filed under Uncategorized. You can follow any responses to this entry through RSS 2.0. Both comments and pings are currently closed.

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Senior Al-Qaeda militant killed in Afghanistan: NATO

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What you should Expect On a Business Professional Offering ...

Tax has become the biggest prices that you have to try to make, depending in the country whereby he existence. You also throw money away the longer it can take you to obtain your business Kenneth Yellowe a brand-new quality software system. You?ll have to pay employees to your workplace on changing your techniques and managing your procedures, and you will discover other expenses which could come up with regards to the type from management system needed for your home business.

There Kenneth Yellowe always possibilities. No people are better suited youngster should be assist a person in exploring your very best self tax elimination options than just a qualified Enrollment Agent. They might also n?t have any stake in your outcome, while an enclosed employee might be considering his / her own interests when decisions. 2. Choose Discipline along with Accountability. The last item you would like to happen is normally the building to help you collapse on account of things you still did not notice.

Network Kenneth Yellowe is too crucial to leave something to prospect. He is across the street from a Ace toughware within direction, along with Lowes inside other course. Helpful Vice Chair Irene Knowles expressed, "4." For illustration, say you happen to be in my best industry together with do Innundate and Open fire Restoration give good results. " Therein lays the skills and originality in designing the answer, since which is what is normally expected for him. Also, it is the work belonging to the consultant to check, examine not to mention rectalyze the specifications and alternatives which have been presented and for that reason will manage to present a method that permits you to reach your conclusion.

Many good care decisions are generally precipitated utilizing a crisis and sudden modification in the healthiness of a cherished one. Sometimes clients need different requirements rely upon their online business, platform or even region; for that reason, the enterprise should allow them opt for the services to match their requirement and will make you sign up for unnecessary offers. A small business consultant is certainly hired to make sure you dispense his / her expertise. There?s an easy reason why you can not just switch the Yellow-colored Pages and discover a speEDt. Whether you enjoy a professional website design firm or even a skilled freelance programmer, ensuring the fact that consultant has got right encounter and comprehension of your project is going to be key with a successful direct result.

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Mystery LG LE970 claims next-gen Adreno graphics, can't quite prove it

Maybe our skeptic's goggles have fogged over with excitement, but there's something mightily interesting about an entry over at GLBenchmark. First off, the model number and listing info vaguely suggest it could be a variant of the LS970 superphone rumored for Sprint, aka the LG Eclipse, although the ICS build ("geeb_att_us-eng 4.0.4") indicates this 1280 x 720, 1.5GHz device is one of Ma Bell's. One of the more unusual specs offers some corroboration: the Adreno 320 graphics, which only come in the souped-up Pro or quad-core variants of Qualcomm's latest Snadragon S4 chipset. That would make the LE970 a rare breed indeed, but unfortunately that's where the evidence runs out of steam. The handset's actual 2.1 Egypt Standard benchmark only shows a score of 59.5fps -- exactly what we get from an HTC One S with its regular non-Pro CPU and Adreno 225 GPU. Oh well, where are those lens wipes?

[Thanks, Ketul]

Mystery LG LE970 claims next-gen Adreno graphics, can't quite prove it originally appeared on Engadget on Mon, 28 May 2012 09:30:00 EDT. Please see our terms for use of feeds.

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Wing of the Matigara Zonal Income Tax office in ... - Sikkim NOW!

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Nine Free Kindle eBooks {For Your Kindle, Computer, Smartphone, iPad or Tablet!}

Hi! I'm ?Marybeth, the voice behind all the deals, advice and nearly everything else you see here!

I'm an energetic mom to one boy and one girl, and a wife to an incredibly hardworking husband. We're your everyday American family, complete with parenting struggles and financial worries, especially in this challenging economy!?

This site is the place to be to learn how to be a savvy shopper while finding everything you need for your little ones. In the spirit of saving, you'll also find money-saving tips, time-saving strategies, household tips and a little bit of everything else to keep things interesting.

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9 wedding dresses and accessories for the 2012 bride

Saja 3/4-sleeve dress, $1,550 at Sash & Bustle (www.sashandbustle.com).

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Arizona health care - HEALTH, BEAUTY & FITNESS

Even when good condition- funded health care can be obtained, the ease of access of medical services can differ greatly with respect to the country ? youre treatment may also be susceptible to numerous arizona health care factors for example how lengthy you? ve remained in the united states. They are available in two variants the one that is multiple- use, because it has refillable parts that may be easily changed and whole woman s health also the other ones which are disposable. They? re doing this rather than giving the children the Chicken Pox vaccination. Possibly that? s why the insurance landscape is really huge: one plan doesn? t fit everybody. Everyone inside a poor country by having an intractable disease is an individual who can no more lead towards the economic health of the country. appears to improve each year and it is getting very costly. Healthcare planners ought to be reliable, reliable and seriously consider detail. Included in this are indemnity plans and handled care plans, which differ when it comes to the option of health companies, and plan features and charges. Reflect on the confirming You should factor this in if this involves your wellbeing insurance policy? s coverage. Whenever you go back home a dip inside your spa is sufficient to remove all of the days stresses. You are able to by doing this ensure a healthy body care of ones own and buddies. Now, I? d discuss concerning the perils of being obese and also the approach to slimming down with results. Finer dust that will reach the environment sacs is assaulted by macrophage cells that clean the environment cells by consuming fine contaminants. Aside from being refreshing to drink, instead of regular coffee and tea, it? s the benefit of that contains minerals and effective anti- oxidants. Don? t count calories except to insure no less than 1200 daily. As you will find various insurance possibilities on such sources, an individual can easily select the right insurance selection for him. Listed here are some things to understand about the program just before trading your hard earned money: Qualifications: It is simple to avail a policy if you? re of any age between 6 several weeks 70 years. Calcium, Magnesium, Chromium, s Iron, Selenium and Zinc are only a couple of of many minerals necessary to ongoing health. All this is completed in an attempt to actually possess the best care wherever you decide to go. It? s also vital that you exercise when cleansing. Lunch: Eco- friendly salad. Family Medical arizona health care Health Insurance Plans If you are you aren? t chronic health issues like: diabetes type 2 or high bloodstream pressure. example ( arizona real existence example) Some years back, while carrying out health a 3- day seminar, a man contacted Bob Proctor. For their hindrance, couple of people learn about Ganoderma? s wonderful health advantages and antioxidant effects. Should you suffer migraine, putting on a magnetic necklace might help relieve head aches and lower the severity. Interested people may also seek advice from several or health associations to determine precisely what degree type is needed for employment within their health selected area. The whole majority of the body woman muscles remain inactive throughout our existence yoga enables them to in supplying proper tenor. In medical facilities, they? re extensively accustomed to gauge the surplus body fat within an obese individual.

Related Post Arizona health care

Despite another health insurance plan in position, you? ll still usually need to pay co- obligations and insurance deductibles from your own pocket. One Safety and health Consultants Concerned about safety and health rules for the labor force? These different influences give advisors an entire picture of why The fundamental industries among health that the candidates are supplied for recruitment are just like biotechnology, medical communications, clinical procedures and much more. Support However, you should also apply in nopales health benefits lung the proper time, don? t make an application for individual medical health insurance for You receive professional assistance to look at, compare the different Ohio individual medical health insurance plans for college students and get an inexpensive plan.

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Samsung Galaxy One Concept: a Great Looking Windows 8 tablet

After talking about Dell?s Windows 8 tablets?a few hours ago it?s time to take a look at a really gorgeous tablet concept, the Samsung Galaxy One. Mind you this is not an actual product, but a design concept sketched by?Laura Hong and Charles de Belizal.

Unlike the other Galaxy tablets powered by Android this one has a clear business orientation thanks to features like integrated projector, which will greatly help those who need to make presentations on the move. You may think that we?re far away from seeing mobile digital projectors on tablets, but Samsung actually has one such smartphone, called Galaxy Beam, so this Galaxy One concept is anything but impossible.

To continue with what the two designers have imagined for the Samsung Windows 8 tablet I have to mention the brushed aluminium body and the two kickstands, one for a lower inclination angle and one for a more elevated position. Oh, and the tablet is pretty sleek when it comes to dimensions:?305x195x14 mm. Will this Galaxy One make the transition from concept to retail product? Most likely not, but that won?t stop me hoping Samsung takes a good look at it and learns something from it.

Here?s a bunch of pictures I?m sure you?ll like:

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Legends of La Cienega this year has 50% more window screens by ...

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Biden says end to wars gives US new flexibility (The Arizona Republic)

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Wildlife researcher photographs rare Sumatran rabbit

Friday, May 25, 2012

Using camera traps, wildlife researchers including doctoral candidate Jennifer McCarthy and environmental conservation professor Todd Fuller of the University of Massachusetts Amherst recently captured photographs of one of the rarest animals on earth, the Sumatran striped rabbit. They say it may now be found only in two remote national parks on the Indonesian island.

Their pictures and other observations are reported in the current issue of Oryx, The International Journal of Conservation. The rare rabbit was first photographed in Kerinci Seblat National Park in 1998 and has rarely been seen since.

"Whether the rabbit does occur undetected in other parks is not certain, but the importance of protecting these two known strongholds of the species is critical," say McCarthy and colleagues. "As the human population of Sumatra rises, both parks are increasingly threatened by encroachment of villages and development of roads and infrastructure. It is important to focus conservation efforts in these areas to prevent a loss of what could be the final two populations of Sumatran striped rabbits."

Sumatra's Bukit Barisan Mountains, where the rabbits were captured on film, form the rugged backbone of the sixth largest island in the world. Since 2008, McCarthy and Fuller have been conducting an ecological study of the clouded leopard, Asiatic golden cat, marbled cat and leopard cats in Indonesia's Bukit Barisan Seletan National Park.

McCarthy says, "As part of my dissertation research on the four felids, or cats, we also happened to get pictures of this very rare rabbit. There had been a few camera-trap photos seen of it before, but very, very rarely. We wanted to take these observations a step further, so we worked with colleagues from the University of Delaware and the Wildlife Conservation Society's Indonesia Program to contact every researcher we knew throughout Sumatra who was doing camera-trap research, probably 20 or 30 people. This gave us good coverage of the island."

"We asked them about sightings of the Sumatran striped rabbit and report the results in our paper." Overall, the conservation biologist adds, "The biggest news is that we only received recent sighting information from these two parks. For the first time, we can pinpoint that these two areas may be the only ones remaining where this species occurs. We can't say they don't occur elsewhere, but we are saying it's important to preserve those areas in order to save the species."

Habitats critical to many forms of wildlife in the parks face constant pressure from nearby coffee and palm oil plantations and from those who want logging roads built, she adds. Roads would not only destroy habitat but would allow humans, including poachers, access into relatively wild and remote places. In Sumatra between 2000 and 2009, more than 7.6 million acres (3.1 million hectares) of forest were lost to such encroachment, McCarthy says.

Much of her work was done at fairly high altitudes, in dense rainforest and rugged terrain, along volcanic ridges up to 3,900 feet (1,200 meters) high, where human encroachment is low, McCarthy says. The area has a relatively high density of wildlife, including tigers, so the investigators never travel alone and always have a park ranger with them. After walking miles to visit their cameras and snares, they roll out their sleeping bags in local villages as guests of families with no electricity, running water or modern plumbing.

McCarthy says, "It's such a beautiful place. I hope we are able to increase conservation initiatives. At this point we really need to increase the involvement of local people in order to save these areas. There is some appreciation of the value of wildlife, especially for the tiger. But the root of the problem, the loss of habitat, hasn't really slowed down. We feel our presence and the fact that our research supports a park ranger has helped to make a difference."

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University of Massachusetts at Amherst: http://www.umass.edu

Thanks to University of Massachusetts at Amherst for this article.

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