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Maricopa County Sheriff's deputies responded to the 14600 block of Avenue of the Fountains on Saturday, Nov. 2, after a caller reported that she heard glass break and shatter at an apartment near her.
Deputies arrived on scene and discovered a broken window to the residence and blood on the window sill. Deputies made announcements and knocked on the door but received no response from anyone inside the residence.
Deputies entered the residence to determine if someone needed aid due to the blood and the broken window. Deputies located a female and a man who was sleeping on the bed. The female was cooperative, however the male woke up and was agitated that deputies were inside his home and threatened to get a firearm. He then assaulted the female in front of deputies and obtained an instrument he threatened to use as a weapon against the female.
Deputies deployed their Tasers and struggled with the male subject, ultimately taking him into custody. He was booked into jail for aggravated assault. Deputies reported the man appeared to be heavily intoxicated during the incident.
*On Sunday, Nov. 3, deputies responded to a report of a verbal argument at a hotel in the 17100 block of Shea Blvd. A male subject who was involved in the argument was found to have a warrant for his arrest and he was booked into jail on the warrant.
*On Monday, Nov. 4, deputies arrested a male subject at the request of the Fountain Hills presiding judge for disruptive behavior in the courtroom. The subject was booked into the 4th Ave Jail.
*On Tuesday, Nov. 5, a resident of the 12200 block of Gambel Drive reported being scammed out of $9,000. The victim told deputies he returned a call to an automated phone message stating he needed to contact the person to avoid criminal prosecution. An individual identified himself as a Social Security agent. He informed the victim his SSN was stolen and used in a crime ring. The caller informed the victim he needed to issue him a new SSN and the victim provided the caller with his current SSN, as well as his banking information. The caller then instructed the victim to withdraw funds from his banking account and purchase Target Store gift cards to avoid the appearance of money laundering. The victim drove to numerous stores and obtained gift cards and he provided the gift card numbers to the caller. The victim ultimately realized this was a scam, however all of the funds on the purchased gift cards had already been used.
*On Monday, Nov. 4, a resident of the 16300 block of Bainbridge Ave. reported that in September a package was stolen from his patio and when he requested a refund from EBAY, they required a police report number.
*On Saturday, Nov. 2, a resident of the12200 block of Fountain Hills Blvd. reported someone burglarized his vehicle during the night and removed several items. The victim believed the vehicle may have been left unlocked.
*On Monday, Nov. 4, deputies received a report that a male subject walked into a store in the
17100 block of Shea Blvd. and stole two bags of chips and a 12-pack of beer. The suspect left in a vehicle, but the employee was unable to obtain a license plate. The incident was captured on surveillance cameras.
*On Sunday, Nov. 3, a resident of the 16500 block of Jacklin Drive reported that someone had shattered the rear window to her vehicle while it was parked out front of her home sometime during the night. Nothing was reported missing from the vehicle.
*On Monday, Nov. 4, a resident of the 16700 block of Ashbrook Drive reported someone had broken the rear tail light on a vehicle belonging to her daughter while it was parked in front of the residence. A beer can was located near the broken tail light and a neighbor informed deputies that there was a party at a nearby residence the night before.
*On Tuesday, Nov. 5, Town of Fountain Hills Parks staff reported that five different soap dispensers, valued at $75 each, were damaged at the Golden Eagle Park.
*On Sunday, Nov. 3, a business in the 16400 block of Avenue of the Fountains reported that four teenagers stole a golf cart belonging to the business and left it damaged near businesses at Palisades and Fountain Hills boulevards.
*On Friday, Nov. 1, deputies stopped a motorist near Saguaro and Grande boulevards for a moving violation and it was discovered the driver was under the influence of alcohol. The driver was charged with Extreme DUI.
*On Saturday, Nov. 2, a motorist was cited for misdemeanor criminal speed after he was allegedly traveling 72 miles per hour where the speed limit is 50 on Shea Blvd.
*On Tuesday, Nov. 5, a motorist stopped for speeding on Fountain Hills Blvd. near Pinto Dr. was found to be driving while his driving privileges were suspended. The driver was cited for the violation.
*On Tuesday, Nov. 5, deputies responded to a collision at Saguaro Blvd. and Hawk Dr. A motorist attempted to turn left onto Saguaro from Hawk after stopping at the stop sign. The driver did not see an oncoming vehicle traveling on Saguaro and the two vehicles collided. The driver attempting to turn left onto Saguaro was cited.
*On Tuesday, Nov. 5, a resident reported his vehicle was struck while in a parking lot at Palisades and Shea boulevards. The second vehicle left the scene without providing information. A witness was able to provide the license plate to the victim, who then gave the information to MCSO. The investigation is ongoing.
*On Wednesday, Nov. 6, deputies stopped a motorist for speeding on Saguaro Blvd. at Amhurst Dr. and it was determined the driver had two misdemeanor warrants for his arrest. The driver was booked into jail on the warrants.
*On Wednesday, Nov. 6, a resident reported that while shopping at a local store, she left her purse in the shopping cart and left. When she realized it was left in the cart and returned to the store, the purse was located, however $750 in cash had been stolen from inside the purse.
*On Wednesday, Nov. 6, a resident of the 13300 block of Sunridge Drive reported that she paid a representative of a company $1,300 to install wood shutters. The balance of the invoice was to be paid upon completion of the work. The victim reported the work was never completed and the company has been uncooperative. She was told the employee no longer works for the company.
*On Wednesday, Nov. 6, a motorist was stopped near Inca and Hawk drives for an equipment violation. Deputies discovered the driver was operating the vehicle with a revoked driver's License. Per state law, the vehicle was towed and impounded on a 30-day impound.


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Indoor Cycling
When you need to transport your trainer, CycleOps' Trainer Bag is the most convenient solution. There is no need to worry about your trainer getting damaged when it's safe and secure on the way to your race or event.
- Quiet magnetic unit with 7 resistance levels activated by handlebar mounted thumb shifter - Handlebar mounted, 7-level thumb shifter, quickly mounts on handlebars from 22.2mm (7/8") up to 31.8mm (1 1/4") - Precision–turned 2" aluminum roller and 1500g (3.3lbs) flywheel - Heavy-duty, 100% steel, TIG welded frame with wide stance and tough powder coating that looks great and resists rust - Non–skid rubber adjustable leveling feet - Tough steel replacement quick-release skewer included - Accommodates most 24", 26", 700C, and 27" wheel/tire sizes
This cone cup replaces the threaded cone cup on pre-2013 Rock and Roll trainers and is the mounting solution for carbon Trek Speed Concept frames that require a smaller cone cup on the drive side of the trainer than the pre-installed version. - Only compatible with the Rock and Roll trainer - This cone cup's smaller outside diameter fits makes it compatible with carbon Trek Speed Concept bikes (aluminum Speed Concept bikes are compatible with the Standard Cone Cup) - Use this cone cup on the drive-side of the Rock And Roll trainer (it is not necessary to replace both cone cups)
If you're really serious about your trainer sessions, check out Kurt Kinetic's Pro Flywheel. It attaches quickly and easily to your Road Machine or Rock and Roll flywheel (sold separately) for a total of 18 pounds. It takes your Kurt Kinetic trainer's already stellar real-road feel and ups the realism, which is a must for hard-core endurance workouts, like tempo and long distance rides. You'll also experience longer wind-ups when doing sprint intervals and a longer coast-downs.
The Kinetic Control Power Unit installs in minutes and is the most affordable and convenient option for upgrading any Kinetic Rock and Roll or Road Machine trainer frame to our most advanced, interactive, app-controlled power training experience. It's part of our newest generation of interactive, app-controlled trainers offering the best power training workouts available, and features ANT+ FE-C and Bluetooth FTMS compatibility along with a more accurate and responsive ride. A massive 12-pound flywheel provides a realistic road feel with interactive, automatically-controlled resistance, super-quiet operation, and accurate and reproducible data. It works with apps like Kinetic Fit, Zwift, TrainerRoad, Rouvy, Kinomap, The Sufferfest, FulGaz and more. - Includes a free 6-month subscription for the Kinetic Fit power-training app - Works with Kinetic Fit, Zwift, and TrainerRoad on Bluetooth-connected smartphones, tablets, and laptops - Controlled resistance to simulate terrain changes in workouts and on virtual courses - Pairs with devices using Bluetooth Smart - Max slope: 10% - Max resistance: 1800 watts at 30mph - ±3% accuracy - Retrofits older Kinetic trainer frames - Easy to assemble - Unconditional one-year warranty on Power Unit
The Rock and Roll Control is the only interactive, app-controlled electronic trainer that allows your bike to move with you for a more realistic road feel AND a stronger core. It's part of our newest generation of interactive, app-controlled trainers offering the best power training workouts available, and features ANT+ FE-C and Bluetooth FTMS compatibility along with a more accurate and responsive ride. The Rock and Roll Control features a massive 12lb flywheel for the most inertia of any trainer in the category. It delivers efficient, app-controlled electronic resistance to automatically change with the course or workout, and is compatible with apps like Kinetic Fit, Zwift, TrainerRoad, Rouvy, Kinomap, The Sufferfest, and FulGaz. Additional features include super-quiet operation, accurate and reproducible power data, reliable wireless connection, incredible bike compatibility, and the cycling industry's best warranty. - Patented frame mimics real-road movement - Controlled resistance to simulate terrain changes in workouts and on virtual courses - Pairs with devices using Bluetooth Smart and ANT+ - Works with Kinetic Fit, Zwift, and TrainerRoad on Bluetooth-connected smartphones, tablets, and laptops - Includes a free 6-month subscription for the Kinetic Fit power-training app - Compatible with virtually all bikes (bikes with a rear thru-axle require a Kinetic Traxle thru-axle adapter, sold separately) - Includes skewer - Max slope: 10% - Max resistance: 1800 watts at 30mph - ±3% accuracy - Frame fits 22-inch to 29-inch wheels - Ergonomic rubberized knobs and feet - Unconditional lifetime warranty on frame, one-year warranty on electronics
Minoura Training Accessories like the ANT+ Minoura Heart Rate monitor with belt is a fantastic complement to your favorite trainer or roller. - Pickup and transmit your heart rate data with a comfortable fit - Low energy ANT + (2.4GHz) wireless protocol - Minoura is an official ANT + Alliance member - Universal on every ANT + device - Net Weight: 67 grams (including battery) - Battery: 1 x CR2032
Minoura Training Accessories like the ANT+ Minoura Speed/Cadence sensor (SPD/CD Separate type) are a fantastic complement to your favorite trainer or roller. - Pickup and transmit the speed and cadence data - Separate type - Low energy ANT+ wireless protocol - Minoura is an official ANT+ Alliance Member - Universal on every ANT+ device
Use these axle nuts to put a city or track bike in a Tacx trainer. The available axle nuts are M10x1 (T1415) and 3/8 Shimano Nexus (T1416). For use with Tacx classic trainers only
Don't miss out on any action! The Tacx GoPro bike mount can be placed on the handlebar or saddle to record everything that happens in front or behind you. Installing the bracket on your bike is very simple. After placing the mount on your bike, you can insert the camera into the holder easily and quickly and you are ready to record. - Easily switch between mounting options - Handlebar adapter can be used on road or mountain bikes - Saddle adapter works with 7mm and 9mm diameter saddle rails and is also compatible with the Tacx Mudguard - Compatible with GoPro HERO and HERO +, GoPro HERO 2, GoPro HERO 3 and 3+ and GoPro HERO 4 and 4+ models - Also suitable for any other camera with a base identical to that of GoPro cameras
The Tacx Sweat Cover protects your bike from corrosion caused by perspiration. It is made from absorbent textile to catch and retain perspiration. Its clever design fits all bikes and enables easy mounting.
$49.99 - $64.99
The E-Thru Trainer Axle allows the use of a mountain bike in a Tacx trainer. These axles are only suitable for Tacx classic trainers.
A sweat cover with a pocket for your smartphone. The sweat cover protects your bike against perspiration and enables the use of a phone while training. The Tacx sweat cover is made from absorbent textile to catch and retain perspiration. Its clever design fits all bikes and enables easy mounting. Suitable for a variety of phone sizes - max. length 138mm, max. width 68mm.
The Trainer Adapter for X-12 Axle allows the use of mountain bikes with axle widths of 142mm or larger on a Tacx trainer. These adapters are only suitable for the Tacx classic trainers.
The Tacx trainer tires have been developed specifically for riding indoors on bike trainers. The special rubber minimizes the risk of overheating, slipping, and wear and tear. They are also quieter than regular rear tires on both road and mountain bikes. Tacx trainer tires are not suitable for outside riding.
This handlebar bracket has been developed so you can attach a tablet to your handlebars. The design provides a safe distance so that no sweat falls on the screen while you are training. - Suitable for handlebars with a diameter ranging from 26mm to 35mm - Adjustable to different tablet sizes: length 182-267mm, width 112-197mm, max. thickness 13mm
$84.99 - $99.99
Use these quick releases to put a racing bike with disc brakes or a mountain bike with a quick-release skewer in a Tacx direct drive trainer. Both axles are supplied with an adapter set so you can select the right combination for your bike. These axles are only suitable for the Tacx direct drives.
This freehub body enables you to fit a Campagnolo cassette on the NEO Smart and the FLUX Smart. Suitable for 9 through 11 speed Campagnolo cassettes. How to place the Campagnolo Body: 1. Remove the cap with a 5-millimeter Allen key. 2. Replace the Shimano/SRAM body with the Campagnolo body. 3. Place the cap on the Campagnolo body and tighten with a 5-millimeter Allen key.
Give your Tacx trainer the best possible protection for storage and transport with this sturdy trainer bag. It's designed specifically for Tacx trainers and has a separate compartment on the inside for accessories. The double inner layer with foam lining provides optimum protection, minimizing the risk of damage.
The BlackTrack replaces the Skyliner (front wheel support) and enables you to steer freely in the Tacx Trainer software 4, Advanced. The front wheel of the bike is placed on a turntable so that you can steer to the left and the right. This allows you to choose where to ride when you are training in the virtual worlds. The BlackTrack communicates wirelessly with the computer via ANT+. Rubber Caps on the bottom prevent sliding and reduce noise. This steering frame is foldable. lightweight, and easy to store. The BlackTrack is suitable for the Tacx Trainer software (Windows PC) and can communicate with ANT+ trainers and interactive Smart trainers: - T1980 Bushido (ANT+) - T2020 i-Genius - T2050 Tacx IRONMAN trainer - T2060 Tacx IRONMAN Smart - T2080 Genius Smart with Upgrade Smart - T2170 i-Vortex - T2180 Vortex Smart with Upgrade Smart - T2240 Flow Smart with Upgrade Smart - T2780 Bushido Smart with Upgrade Smart
Wahoo USB ANT+ dongle Kit connects KICKR, KICKR SNAP and other ANT+ enabled devices to a Mac or PC. The 3-foot extension cord extends the USB ANT+ transmitter away from the computer and towards the connected device to avoid signal interference.
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Here are examples of how University of the Pacific was represented in the news media in recent days more
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Why is this variant not called?
Hi there,
I've been playing around with RNA-seq data and came across what seems to be a high quality single nucleotide variant but that isn't detected by HaplotypeCaller.
I followed the Calling variants in RNAseq method, except for the alignment which was carried out by tophat2 (and looks good). Then I used MarkDuplicates, ReorderSam, SplitNCigarReads, BaseRecalibrator, PrintReads and finally HaplotypeCaller.
When I look at the reads that come out of the PrintReads steps with IGV, I can see a lot of high quality reads with the variant sequence (see attachment).
However the HaplotypeCaller doesn't report this site as variant in the VCF output. I first thought it was filtered but setting stand_call_conf and stand_emit_conf to 0.0, and adding EMIT_ALL_SITES doesn't make a difference on this site (although I can see lots of low quality sites appear as expected).
java -jar GenomeAnalysisTK.jar -T HaplotypeCaller -I Cet1_2.OS9_rg.bam -dontUseSoftClippedBases -stand_call_conf 0.0 -stand_emit_conf 0.0 -o Cet1_2.OS9_all_sites.vcf -R Homo_sapiens.GRCh38.dna.primary_assembly.fa -out_mode EMIT_ALL_SITES
This site is called in a replicate experiment (same cell line, different sample prep) and is assigned a very high quality (QD = 25.34, DP=1298). The two samples look very similar and I can't understand what's going on and why the variant isn't called?
Any idea on how to tackle this issue would be welcome.
Best Answer
Sheila Broad Institute ✭✭✭✭✭
@[email protected].org
Have a look at this article for more information: https://www.broadinstitute.org/gatk/guide/article?id=1235
Sheila Broad InstituteMember, Broadie ✭✭✭✭✭
@[email protected].org
Have a look at this article for more information: https://www.broadinstitute.org/gatk/guide/article?id=1235
Hi Sheila,
Indeed the SNV is gone in the bamout of one of the replicates. I'm not sure where it was realigned, or which alignment is the most correct, but that's how it is. I'll have to do a PCR if I want to know if it is a false positive or negative.
Thank you so much for your answer!


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Milly loves to explore and learn. One day while using her friend's phone, she sees images that make her feel sick. Milly was lucky to have a safe adult to help her through this experience and she now teaches kids that some adult behaviours can be harmful for kids to see. Milly lets kids know that comin ...Show more
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Come visit and explore the largest park in the lower 48 states. The Adirondacks cover more than six million acres in upstate New York. Made up of 46 high peaks in the Adirondacks, hundreds of lakes, and a long history this stunning area has so much to offer to any type of adventurer.
On this action packed kayaking tour we will camp on secluded beaches, cook delicious meals, fish for salmon and stretch our sea-legs with lots of games and short hikes. Warm up at night with cozy campfires and star gaze tucked inside your sleeping bag.
Take day hikes up any of the high peaks or load up your backpack to explore the vast wilderness that the Adirondacks have to offer. Explore the more than 2,000 miles worth of trails twisting through the forests that will lead you to stunning 360-degree summit views.
Explore Lake Champlain by kayak and camp on islands throughout the lake on a multi-day sea kayaking trip. If you want to explore the sandstone gorge, take the day to raft down the Ausable Chasm.
Arrange 1 or 2 days of Rock Climbing with local guides and get a few from up on the rocks.
Looking for some cultural exploration? Drive an hour north and cross into Canada to explore all that Montreal has to offer. Hike to the top of Mt. Royal overlooking the city, explore the botanical gardens, visit the Notre Dame Church and taste of the local favorites.


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Someone recently asked, "Grammar mistress, what's the difference between straight vs. curly quotation marks?" A couple things about this question make me happy. First, I'm kind of digging "grammar mistress," and second, these are the subtleties that no one ever seems to talk about. So let's talk about it.
This explanation goes back to typewriters much like the single vs. double space formatting change. With limited keys available, typewriters only used straight quotation marks ( " ) no matter whether any given mark was used at the start or end of a quote. This differs from the curly quotation marks ( " " ) that you most commonly see surrounding quotations in printed materials and typed on computer keyboards today.
Curly quotation marks are more legible on the page and clearer in purpose. Many people recommend using them at all times (since typewriters are no longer an issue), and I largely agree.
Straight quotes still do have a purpose from time to time, because of awkward styling issues online. Some people argue for straight quotations in email or on the web so that no funky """ or "&ldquo" type tags will accidentally interfere with their text. Have you ever noticed that code jargon online? Curly quotation marks are sometimes the culprit. (Honestly, I wouldn't stress about this, though. Polishing the style of text online is something more for developers than writers.)
And after all this, are you suddenly wondering how do you make a straight quotation mark in Microsoft Word?
The answer to this final question is simple. After you type a quotation mark in Word, it automatically auto-formats to become a curly quotation mark. Before pressing any other key, press CTRL + Z (undo). It's like magic. That quotation mark will lose its auto-formatting and become a plain old straight quotation mark. Did I teach you a fancy trick?
That's all from the grammar mistress today. Did I mention I liked that title?


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References in periodicals archive ?
We had a long upwind leg to start with which was hard work for everyone, but as soon as we rounded the mark, we hoisted the gennaker and sent it!" Fahad Al Hasni added: "We sailed the race well despite the upwind being very tough.
"One of my business partners in our company Gennaker was doing some work with Joe on some rights stuff.
Abu Dhabi: Abu Dhabi Ocean Racing were leading the way in the Volvo Ocean Race on Monday as second-placed Dongfeng Race Team suffered significant damage after part of the control lines for the masthead gennaker sail broke.
An entry on Robertson's iShares Cup Racing website read: "Team iShares have a broken gennaker pole and superficial damage to their bow after a collision and had to sit out all of today's racing, but plan to be back on the water tomorrow."
"I rolled the gennaker, trimmed in the mainsail, eased off the mast rotator and runners and spun the boat into the wind.
DAY 49, Jan 15 (20,105 miles): Ellen suffers a head wound when she is hit by a gennaker [sail].
Ellen, 28, who rounded Cape Horn more than 48 hours ago, said the corner of the gennaker slipped out of the furler and 'flew out and hit me on the forehead'.
She made up several places in the last few days after problems early on including a broken gennaker - an important head-sail.
I was just drifting through a another series of dreams, when the heart- stopping slowing of the boat happened, and the grim realisation that we had once again blown the gennaker halyard - no sail, nothing.
This gave the crew, which included Omani sailors Fahad Al Hasni and Ahmed Al Hassani, reason to be cheerful about the future prospects in the remaining three inshore contests, despite a broken gennaker on the final approach to the finish line in the last race.
"The stern addition to the width of the boat has a massive impact on the reaching performance and the running performance by having more separation between the leech of the gennaker and the mainsail, enables you to cany more staysails and large staysails.
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kidzsearch.com > wiki Explore:images videos games
Jin Dynasty
KidzSearch Safe Wikipedia for Kids.
The Jīn Dynasty (1115–1234),[1] also known as the Jurchen Dynasty, was founded by the Wanyan (完顏 Wányán) clan of the Jurchens.[2] These were the ancestors of the Manchu who established the Qing Dynasty some 500 years later.
The Jin Dynasty was founded in northern Manchuria, The founder was Wanyan Aguda (完顏阿骨打).[3]
The Jurchens' early rival was the Liao Dynasty.[2]
- ↑ The name is sometimes written as Jinn to differentiate it from an earlier Jìn Dynasty of China whose name is spelled identically in the Roman alphabet.
- ↑ 2.0 2.1 Mote, Frederick W. (2003). Imperial China 900-1800, p. 271.
- ↑ Holcombe, Charles. (2011). A History of East Asia : from the Origins of Civilization to the Twenty-first Century, p. 129.
Other websites
|Preceded by
Liao Dynasty
|Dynasties in Chinese history
|Succeeded by
Mongol Empire


text:
We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.
Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.
Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.
A primary goal of the Federal Deposit Insurance Corporation, or FDIC, is to make sure you feel comfortable depositing your money in a bank.
When you deposit money into a savings or checking account, you want to trust that those funds will still be there when you need to use them. During the financial crises of the late 19th and early 20th centuries — before the 1933 formation of the FDIC — depositors could lose their money if banks and thrifts failed.
What is a thrift?
A thrift is a financial institution that often specializes in home mortgages and consumer loans but can also offer the same array of financial products as commercial banks. Also called savings and loan associations, thrifts can offer familiar financial products like savings accounts, time deposits, and consumer and commercial loans.
Unlike banks, thrifts can face statutory lending limits that can limit their lending capacity. Thrifts have become increasingly uncommon in recent decades. According to the FDIC, it insures just 726 thrifts compared to 4,880 commercial banks insured, according to data from March 2018.
Read on for a look at how the FDIC works, a brief history of the agency, and why it could matter to you.
How does the FDIC work?
The FDIC promotes confidence in the banking system by insuring deposits in financial institutions and then monitoring those financial institutions to ensure their behavior isn't too risky. If an FDIC-insured institution fails, then the FDIC steps in to protect insured funds.
When a failure occurs, the FDIC takes one of two steps. The first option is to set up the insured accounts with a new bank or thrift in the same amount that was insured at the failed bank. For the second option, the FDIC will issue the depositor a check for the insured amount to reimburse the depositor directly, up to a limit of $250,000 per covered account.
The account holder should receive the new account or payment covering the insured accounts within a few days after the financial institution closes, usually the next business day. But if the account's balance is more than the insured amount of $250,000 or the account holder otherwise has uninsured funds, then the account holder may receive some portion of the uninsured funds if the FDIC finds a buyer for the bank's assets.
Unfortunately, it can take several years to sell the assets of a failed bank, and there's no guarantee of how much a depositor will receive after the fact. If you have more than $250,000 with a single FDIC-insured bank, a way to help guard against losing part of your money during a bank failure is to hold no more than $250,000 in any single insured account category. Take a look at the FDIC account category tool for a breakdown of covered categories.
Banks and thrifts are required to pay risk-based insurance premiums to the FDIC and the FDIC commonly conducts examinations of banks and thrifts. The monitoring that these banks undergo makes it more difficult to engage in risky behavior, which means fewer banks fail while under FDIC protection.
What kinds of accounts are FDIC-insured?
The FDIC does not insure every type of financial account you can open at a bank. This table can be helpful to determine which types of deposits are covered at FDIC-insured banks, and which aren't.
|Covered by the FDIC
|Not covered by the FDIC
|Checking accounts
|Savings accounts
|Negotiable Order of Withdrawal accounts
|Mutual funds
|Money market deposit accounts
|Life insurance policies
|A time deposit like a certificate of deposit
|Annuities or municipal securities
|An official item issued by the bank, such as a money order or cashier's check
|Safety deposit boxes (and their contents)
Don't worry if this list seems complicated. Just make sure you're clear on which of your current accounts are insured, and pay attention in the future if you choose to open more.
How to find out if a bank is insured
As of March 2018, the FDIC insures more than 5,600 commercial banks and thrifts. But how can you find out if your bank is insured?
The good news is that it shouldn't take much digging. If your bank or credit union is FDIC insured, you can typically find an "FDIC" sticker near the front entrance or teller counter.
If you can't go into the bank's physical location, or just can't track down that sticker, you can always call the bank and ask. Another option is to call the FDIC at 1-877-275-3342 or use its online BankFind tool.
A brief history of the FDIC
Before FDIC protection, depositors risked serious losses in the event of bank failure. In fact, according to the FDIC, between 1930 and 1933, depositors lost a total of about $1.3 billion — around $24.5 billion in today's dollars — as the result of bank failures.
In response, Congress created an independent agency to supervise and insure banks and thrifts with the goal of bringing some security to the rollercoaster that was the U.S. banking system. FDIC insurance coverage began on January 1, 1934, and no depositor has lost a cent of insured funds as result of a bank failure since.
While much that the FDIC does goes unnoticed, the agency played conspicuous roles during the savings and loan (S&L) crisis of the 1980s and the financial crisis of 2008.
The savings and loan crisis
Mostly used for savings accounts and home mortgages, S&Ls were previously regulated by an organization called the Federal Home Loan Bank Board and insured by the Federal Savings and Loan Insurance Corporation.
As such, S&Ls weren't subjected to the same regulations as commercial banks, a situation that may have been a factor that led to a crisis in 1980, when S&Ls began losing money because of a number of factors, including traditionally weaker oversight from the Federal Home Loan Bank Board, changes in the industry and rising interest rates.
By 1983, the tangible net worth of the entire S&L industry was almost zero. In 1989, President Bush proposed a bailout of the S&L industry, which terminated the Federal Home Loan Bank Board and gave the FDIC authority over deposit insurance.
The 2008 financial crisis
With the entire financial system at risk of collapse during the 2008 financial crisis — the origins of which can be traced back to the housing market and weakened subprime-mortgage-lending practices — the FDIC was tasked with a number of different, but intersecting, challenges.
On one hand, the FDIC was charged with restoring financial stability by reimbursing depositors at failed insured banks. Additionally, the FDIC decided to increase payments from institutions to manage the Deposit Insurance Fund to help ensure that it too could remain intact. These efforts arguably helped to stabilize the banking system and limit some of the impact of the crisis.
Why is the FDIC important?
When you deposit money, many banks don't actually hold on to your cash until you decide you want a latte. It may use your deposit to make loans and other investments that can, in turn, make the bank money.
This system can be great for the bank and theoretically makes no difference to you — until, that is, the bank makes some bad investments and loses enough money that it can't afford to give depositors their money back when they go to withdraw their funds.
FDIC-insured banks are monitored and examined to ensure they are managing risk appropriately and avoiding behavior that could put depositors' money at risk. In the event that an FDIC-insured bank suffers a disastrous event — like many did when risky lending led to the widespread collapse of financial institutions in 2008 — the FDIC can step in and help out. Effectively, the FDIC uses its funds — held in the DIF, or Deposit Insurance Fund — to help ensure that depositors don't lose theirs.
But if the bank isn't insured, there probably isn't an established safety net. So if an uninsured bank fails, that cash will likely only be available on a first-come, first-serve basis and there's little chance you'll see more than a fraction of it back. Making sure your bank is FDIC-insured can help protect your money.
FDIC insurance doesn't protect against all problems you might have with a bank, but it at least keeps you from losing the insured money you entrusted to it in the first place, as long as the bank is insured.
Bottom line
The Federal Deposit Insurance Corporation protects depositors' insured money and helps to keep the financial system running as a whole. The best evidence of the agency's effectiveness is its record — no depositor has lost a penny of their insured deposits since the FDIC was formed in 1933.
If you want to maximize your chances of keeping your money safe, you should look for a bank and account insured by the FDIC.


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About Sir_Boagalott
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Fire Jacques Martin
Sir_Boagalott replied to C-Love's topic in Habs & Hockey Talk<p> Seriously? It definitely matters loosing by 1 goal or by way more than 1 goal. Loosing by way more than 1 goal shows its the team. Loosing by 1 goal typically shows that theres a possibility that a better coach may have won some of those games. Gettig blown out every night, theres no hope, but luckily thats not the Habs current predicament. I'm no fan of Martin, but I dont fault him entirely because most of the loses have been pretty close and could have gone either way if not for a few bad calls, or Price letting in a couple of fairly weak questionable goals that turned out to really matter. Take a way 2 bad calls and 2 fairly weak goals allowed by Price and that could equal 4 more wins. Give the Habs 8 more points and look where they would be in the standings. The Habs could easily be 2nd in the conf. I am bummed Martin is the Habs coach, but I'm fairly certain that wont change anytime soon.edit: I'm not even trying to suggest Price is at fault, I primarily mean by weak goals like the 1 time in 1000 dump ins when the puck doesnt go into the corner and takes a wierd direction and goes out front of the net to the other team. Theres been quite a few silly gift goals given away to the other teams by the hockey Gods this year.
Anti-Maple Leafs Thread
Sir_Boagalott replied to Cataclaw's topic in Habs & Hockey TalkHmm, how odd. I just happened to notice that nhlnumbers lists Darcy Tucker as being a 1 mil cap hit for the Laffs every year until 2014. Is that right? Tucker was an Avs when he retired so how or why would that make him a cap hit to the Laffs? Was there some stipulation in the trade to the Avs that if Tucker retires the Laffs have to pay the cash? nhlnumbers doesnt list Tucker at all under the Avs cap. I'm a tad bit confused as to how it would be a Laffs cap hit.
Habs TV Schedule
Sir_Boagalott replied to dlbalr's topic in Habs & Hockey TalkWow, that is great news. Its been frustrating the last few years being able to watch almost none of the pre season games. I could never figure that out that the Habs are so popular yet it took the networks this long to realise that Habs fans want to watch pre season games. I dont get a lot of chances to see the prospects play, especially playing against other NHL caliber players. It will definitely be nice to see the prospects play in some pre season games this year.
Weber's 7.5 bad for us next summer?
Sir_Boagalott replied to Dalhabs's topic in Habs & Hockey TalkPersonally I dont think this ruling could possibly be good for any team. 7.5 mil is the highest amount ever awarded. I was fairly shocked when I heard the news. I was thinking Weber would get 6-6.5 mil. Even in a UFA bidding war scenario I'm not sure how many teams would want to pay Weber 7.5 mil/yr. Sure, Weber is really good, but is he worth that kind of cash at this point in his career? I could see him making 7.5 mil when he's 28+ Who is the highest paid Dman now? Weber?
Sir_Boagalott replied to bbp's topic in Habs & Hockey TalkSigning Stillman wouldnt be a bad idea, but afaik it wont be happening. I'm 99.999% sure that he's retired.
UFA Day Discussion
Sir_Boagalott replied to dlbalr's topic in Habs & Hockey TalkI agree CC aboot signing him cheap. Anybody who thought WiZ would sign cheap was foolish and not in the know. Wiz already thought he was worth over 5 mil/yr before he was even a Habs after getting 30some pts with the Ducks. The Ducks GM wouldnt even talk with his agent, they went to arb and eventually settled and then he was immediately shipped to NYI, who then couldnt sign him for any sane amount and shipped him to Montreal. I loved WiZ while he was a Hab right from the announcment of it. Unfortunately I think CBJ will be buying him out of this contract, eventually. WiZ is only good offensively, which is bad for Dman to only be good at what the forwrads should be doing. tbh, I wouldnt be surprised to see WIZ becomming a part owner. Too many large crazy contracts like this could end up bankrupting a fairly new small market team like CBJ. They just dont have the fans or the deep pocket owners to be buying out players of silly contracts that shouldnt have been signed in the 1st place.
Habs sign Erik Cole. 4 years/$18M
Sir_Boagalott replied to jmaac1's topic in Habs & Hockey TalkHmm, with big rewards comes big risk. I gagged when I 1st heard this. Now hours later I realize it could work out perfectly, but it could also be an expensive disaster because of his age and previous injuries. Cole is generally good for 50 pts/yr when healthy and he can and does play both ways and is fairly physical, though I dont go as far as calling him a power forward. Cole will drop the gloves and stick up for his teamates too, always good, especially if he's playing with Gio and Gomez.
Next season for the Habs
Sir_Boagalott replied to BrenDittero's topic in Habs & Hockey TalkPersonally I really liked the Wiz pickup right from the begining and as time went on that only I liked him more and more, but I've always kinda known that all he will be is a great long term rental player. I really cant see Wiz being resigned for several reasons. Resigning Wiz will cost the Habs a pick (5th?), and I bet NYI traded him for the next reason, I know the Ducks did for sure: Wiz wanted 4 mil/yr from the Ducks after 1 30pt yr that he was -5 in, the Ducks GM didnt even respond to his agent and it went to salary arbitration and then the 2 settled for what he made this year and then the Ducks GM shipped him the NYI and then they shipped him to Habs. After having a 50 pt yr he probably thinks he's worth close to 6 mil. The last reason is Wiz might be great offensively but his defense isnt that good. He's always a minus player. I wouldnt pay him big money. 4.5+, no thx, even at 4 not sure if I'd do it. This wont be popular, but I think the same aboot Markov. He's great offensively, but he does have defensive lapses, and I'm still baffled by his injury in the playoffs last year by Cooke. A vet like Markov should have beeter situational/positional awareness on the ice. i.e. know when they are in a dangerous spot not to put themselves in a even more vulnerable position with the leagues #1 cheap shot artist right there. Markov seems to be injured way to often so I would only resign him if its cheap or a performance laden contract. Just think his reg 5.5mil salary could be spent on a large top 6 forward. At this point if available I would rather sign the right power F than bring Markov back. Another great example of lack of positional awareness is Hammer rotating the wrong direction when Horton scored in OT. The vets should know better. Hammer did a 270 rotation so he could have his stick on his forehand, but he could have rotated 90 and had his stick on his backhand and been in time to stop Horton from scoring. I dont know if I would bring Hammer back, I guess if he resigns cheap I would. I would bring Gill back no questions asked, hopefully for a bit cheaper though just because he is aging.
GDT: Game 4 - Bruins @ Habs Apr. 21, 2011
Sir_Boagalott replied to bar's topic in Habs & Hockey TalkJulien had the Booins go to Lake Placid to get inspiration from the 1980 Miracle on Ice. To combat this JM had the Habs walk around the Bell Center. Go Habs Go!!
GDT: Habs vs New Jersey, Apr. 2
Sir_Boagalott replied to dlbalr's topic in Habs & Hockey TalkDid Gill even touch him? Thank God they didnt score on that weak PS.
Nice save by Gio at least.
I'm waiting for JM to start letting Price take faceoffs.
hahaha, what a game so far Eh. I'm actually liking it. The Habs are now officially useless, no need for other teams to worry aboot em now. I'm starting to think JM's is the sole reason for this slump. JM probably wants a Wash series too so he's playing stupid lines to drop in the standings so he gets it.
Wiz seems to be fairly decent at carrying the puck up ice too. Thats in the eye of the Beholder though. I'm pretty sure I know the reason for that. I dont disagree that the puck often flies off his stick when stick handling like that. That happenes to everybody who tries moves like that. The bizare thing I have noticed aboot Gomez which seems to differentiate him from the other danglers is the move hs does right before the puck comes off of his stick. Gomez seems to try his hardest biggest dangles only towards other Habs players. I'm convinced that he subconsciously does this. Most of the time when Gomez dangles and looses the puck its not a turnover, its more of an errant pass to a Habs player near by. He does somehwat control when he looses the puck,and where it ends up.
ATB: What first round matchup do you want to see?
Sir_Boagalott replied to l.moustakas's topic in Habs & Hockey TalkWell thats definitely what I`m hoping for. It could be history repeating itself. There is a classic text book example of proof for what I am saying. Does anybody else remember 93? I'm sure everybody remembers the end result, but do you remeber the specifics? Like how many teams that were higher in the standings than the Habs that the Habs faced that year? A = 1, just 1, the Nords in rnd 1, who were just 2 measly points better than the Habs. All the other rounds the Habs faced inferior teams. Keep in mind that the Habs finished in 4th place that season, yet they only faced 1 marginally better team in the playoffs. Ironically this year looks like it could play out almost identical to that year. Lower seed Buff swept 2nd seed Bos 1st rnd, Habs swept Buff 2nd rnd, after beating slightly higher seeded Nords 4-2. President trophy winning 2 time repeating Champs Pitts gets knocked out in 7 games by the lowly Isles. Isles played way above their heads and exhausted themselves beating out Pitts and in rnd 3 get spanked by Habs 4-1. Habs faced the Kings in the finals, who were the 4th worst team in the West. Although the Habs won the Cup in 93, they werent truely the best team. They basically lucked out by not really having to play any teams that were actually better than them. All the top teams were knocked out by the lower seeded underdogs and the remaining teams were no threat to the Habs. This year I would say the Habs chances are fairly decent against any teams other than Philly and Bos so if the Habs can avoid them and other teams manage to knock them out for us, it could be a really good year.


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Greenwich Library hosts author Jonathan Rosenberg on classical music 'from the Great War through the Cold War'
Greenwich Library is hosting a music AuthorTalk event with Jonathan Rosenberg, who will be discussing his 2019 book, "Dangerous Melodies: Classical music in America from the Great War through the Cold War," on Wednesday evening, Jan. 8.
A Juilliard-trained musician and professor of history, Rosenberg explores the entanglement of classical music with American foreign relations.
His book evokes a time when classical music stood at the center of 20th-century American life, occupying a prominent place in the nation's culture and politics. The work of renowned conductors, instrumentalists and singers — and the activities of orchestras and opera companies — were intertwined with momentous international events, especially the two world wars and the long Cold War, the library says on its website.
Rosenberg exposes the politics behind classical music, showing how German musicians were dismissed or imprisoned during World War I, while numerous German compositions were swept from American auditoriums. He writes of the accompanying impassioned protests, some of which verged on riots, by soldiers and ordinary citizens.
Yet, during World War II, those same compositions were no longer part of the political discussion, while Russian music, especially Shostakovich's, was used as a tool to strengthen the U.S.-Soviet alliance. During the Cold War, accusations of communism were leveled against members of the American music community, while the State Department sent symphony orchestras to play around the world, even performing behind the Iron Curtain.
Highlighting an array of composers and musicians, including Karl Muck, Arturo Toscanini, Wilhelm Furtwängler, Kirsten Flagstad, Aaron Copland, Van Cliburn and Leonard Bernstein, "Dangerous Melodies" delves into the volatile intersection of classical music and world politics to reveal a tumultuous history of 20th-century America, the library says.
More Information
Greenwich Library's Flinn Gallery, 101 West Putnam Avenwich. Wednesday, Jan. 8, 7-8:30 p.m. 203-622-7900, greenwichlibrary.org


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Ronald Reagan once joked that the nine most terrifying words in English are, "I'm from the government, and I'm here to help."
When the government official is a federal judge, and she helps by sending you to prison for twice your recommended sentence, it's especially terrifying. Federal judges have been helping criminal defendants in this way for more than a decade, and even though the U.S. Supreme Court has told them to stop, some judges continue to do it.
That's what happened to Michael Jeczalik. In an order recently reversed[1] by the U.S. Court of Appeals for the Eleventh Circuit, U.S. District Judge Ursula Ungaro of the Southern District of Florida sentenced Jeczalik to two years in prison instead of the recommended five to 11 months so that he would have a chance—but no guarantee—of getting into a drug abuse program in prison.
As with the proverbial official in Reagan's joke, her intention was good, but the assistance she offered was more frightening than helpful. What's more, it wasn't lawful.
In the interest of full disclosure, I had the privilege of serving as a law clerk for Judge Ungaro, and I hold her judicial talent in high regard. This case goes to show that even good judges with good motives can make mistakes.
Jeczalik was out of prison on supervised release after serving time for bank robbery. The terms of his supervised release required that he stay away from drugs and participate in a drug treatment program. He violated both those terms, got caught and pled guilty.
The federal sentencing guidelines recommended that the appropriate prison term for Jeczalik was between five and 11 months.
At Jeczalik's sentencing hearing, Ungaro noted that drug addiction remained a problem for him and that she wanted him to participate in the Residential Drug Abuse Program—an in-prison program available to inmates sentenced to two years or more. There were three problems, however, with getting him into the program.
First, Ungaro lacked the power either to order him into the program or to order the U.S. Bureau of Prisons to put him in the program. Second, she lacked the power to send him to a prison that had the program. And third, the high end of the sentencing guidelines range was only eleven months.
To help him get into the program, she sentenced Jeczalik to two years of imprisonment. She said, "I think that this is the best course of action under these circumstances where we have this intersection between drug abuse, drug addiction and mental illness."
Her motive was good—no doubt, Jeczalik needed substance-abuse rehabilitation—but her solution was neither just nor legally permissible.
The Sentencing Reform Act[2] says that when a judge decides how long to imprison someone, she must bear in mind "that imprisonment is not an appropriate means of promoting correction and rehabilitation."
In 2011, in Tapia v. United States[3] (a case very similar to this one), the Supreme Court unanimously held that the act prohibited a judge from imposing or lengthening a prison term in order to make a prisoner eligible for the Residential Drug Abuse Program.
In yet another similar case, the U.S. Court of Appeals for the Third Circuit[4] explained the reasoning behind the rule: "Congress wanted to be sure that no defendant was locked up in order to put him in a place where it was hoped that rehabilitation would occur."
After all, district judges have no power to order a defendant into a rehabilitation program or even to order the Bureau of Prisons to house a defendant in a prison that has such a program. So when Judge Ungaro more than doubled Jeczalik's recommended sentence, the only thing she could be certain of is that he would spend far more time in prison than the law said he ought to.
That's precisely the sort of help that Reagan joked about. Only in this case, it was no laughing matter.
Why is this still happening if the Supreme Court and many of the courts of appeals have held it unlawful? For one, judges may not be paying sufficient attention to the decisions coming out of the higher courts. For another, some judges fall into the trap of thinking they're all powerful when, in fact, their power is quite limited.
Judges also may not know that the Residential Drug Abuse Program is only one of three formal drug abuse programs in the Bureau of Prisons. Another program, the Nonresidential Drug Abuse Treatment program is specifically designed for prisoners with short sentences. And another, the Community Treatment Services program, helps offenders who are reentering society through halfway houses or home confinement.
Better knowledge of these programs might encourage judges not to overincarcerate offenders with substance-abuse issues.
Still other reforms are needed. Programs like Community Treatment Services should be available not only to those who are finishing prison terms, but also those who are serving terms of supervised release.
Judges have considerably more control over the terms of a defendant's supervised release than they do over the terms of imprisonment. They should, therefore, partner with the Bureau of Prisons, the U.S. Department of Justice, and Probation and Pretrial Services, to create and implement drug-abuse programs for offenders on supervised release.
Until such programs are created, however, judges should resist the temptation to help by doling out unjust sentences.
This piece originally appeared in Law 360


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December 4, 2018
The Iowa Department of Revenue wants you to watch out for identity theft and phishing scams. Here's what you need to know if you come across something suspicious.
Is it a Scam?
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Tax scams are continuing to be a major problem. Unfortunately, the scammers seem to be very active in our area based on the number of questions I've received recently.
Scammers and cyber thieves continue to use the IRS as bait. The most common tax scams are phone calls...
June 20, 2017
Taxpayer beware, the scammers are still out there.
The IRS recently warned people to watch out for a new scam linked to the Electronic Federal Tax Payment System (EFTPS), where fraudsters call to demand an immediate tax payment through a prepaid debit card. EFTPS is an...
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The IRS has a specific way of contacting taxpayers. And sometimes, this is done in person. But the IRS wants you to know what you should expect if you are contacted in person by an IRS agent so that you can avoid being the target of a scam.
Types of IRS Contact
With cont...
March 28, 2017
The IRS says older individuals need to remain alert to aggressive and threatening phone calls by criminals impersonating IRS agents. The callers claim to be IRS employees, but they are not.
These con artists can sound convincing when they call. They use fake names and b...
February 7, 2017
The IRS recently issued a warning to taxpayers to watch out for fake emails or websites looking to steal personal information.
In these email schemes, criminals pose as a person or organization the taxpayer trusts or recognizes. They may hack an email account and send m...
October 4, 2016
Scammers have a new tactic to try and steal your money.
The IRS issued an alert to taxpayers and tax professionals to watch out for fake emails claiming to contain an IRS tax bill related to the Affordable Care Act.
The IRS has received numerous reports around th...
August 30, 2016
The IRS is issuing another warning about scammers targeting students and their parents during this back to school season.
This scam is continuing to be a big problem. IRS impersonators are calling students or parents and demanding that they pay the fake Federal Student...
August 16, 2016
IRS impersonation scams are on the rise. They can take many forms, but recently there has been a surge in robo-call phone scams.
The IRS warns that scammers are using robo-calls (automated phone calls) and are demanding tax payments on iTunes or other gift cards.
The s...
June 14, 2016
The tax deadline has come and gone, but now scammers have a new target – students.
The Internal Revenue Service issued this warning to taxpayers. IRS impersonators are calling students and demanding payment for a fake tax that they call the Federal Student Tax. They t...


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text: Oscar-nominated composer Jóhann Jóhannsson was, unfortunately, found dead in his Berlin apartment at the young age of 48. Jóhannsson was born September 19, 1969 in Iceland's capital, Reykjavik. He remained there throughout his schooling, studying both literature and languages. He also played guitar and began to play with indie rock groups, starting his music career. Then, Jóhannsson began a music label called Kitchen Motors in 1999, designed to encourage interdisciplinary collaborations.


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Effective from 2 July, the firm has cut prices of the China-made Evoque by an average 6% across variants
The Jaguar Land Rover Automotive PLC (JLR)-Chery joint venture (JV) has cut prices of the Range Rover Evoque, the sports utility vehicle it produces at its manufacturing facility in the Chinese province of Jiangshu. It has also revamped its sales team in a bid to recoup volumes.
One out of every four models produced by the British automaker is sold in China. Also, the region accounts for more than 80% of the profit of the company, owned by Tata Motors Ltd.
Read full post here:


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A new year often starts with good resolutions. Some resolve to change a certain habit, others resolve to abandon an undesired trait. Mobile app makers, too, claim to have user behavior and their preferences at their heart. 35 more words
via Top Apps Invade User Privacy By Collecting and Sharing Personal Data, New Report Finds — NATION AND STATE


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Crowne Plaza Greater Noida recently announced the appointment of Abhishek Lamba as Executive Housekeeper. An Institute of Hotel Management Chandigarh graduate, Lamba comes with more than 14 years of experience in the hospitality industry. His last assignment was with Radisson Blu Dwarka as Executive Housekeeper. Prior to this he has worked with several esteemed brands like Carlson hotels, Accor, The Leela Kempinski and Intercontinental Eros.
At Crowne Plaza Greater Noida, Lamba will steer housekeeping with a focus on guest experience, manpower management, cost control and driving further efficiency in operations.
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