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Disaster can strike in an instant. If this happens to you, would you? Beyond the first aid kit, most people are not ready for a real emergency. When tragedy hits a grand scale, affecting hundreds or thousands at a time, as you will get your family what they need? With large-scale disasters are most of the owners even for the first 48-72 hours while emergency workers to collect and prepare to help. All families should have a disaster kit containing enough food and water for at least 3 days. Military meals ready to eat can go a long way to provide your family with their food needs in the first 72 hours. While you may think that you probably have enough food in your pantry to stretch for 3 days, you never know if that can be contaminated food or not accessible. When collecting material for an emergency kit, it is best to plan ahead with a food supply that remains. While canned food, biscuits and water-rich foods are a good choice, it is difficult to create a complete and nutritious meal of them. For this reason, military meals ready to eat, or MREs, always be a part of your five distinct advantages that the military meals ready to eat more canned food standard. MRE are autonomous in tamper-evident packaging that is waterproof and weatherproof. Meals ready to eat space for their nutritional value for up to five years, it only makes the ?play-it-and-forget-it? of emergency rations. These types of emergency rations not require cooking or water. Meals Ready-to-eat military can be eaten cold or maintained. Many come with MRE heaters that require only a cup of water into the pan near stove without boiling heat required. MREs come with a starter, main course, drink mix, condiments, spreads, crackers and dessert. To be honest, they are coming to eat a lot of fun, especially when their own children and the empty bag ?goodies? to open, so to speak. With families increasingly in advance to prepare for disasters, military meals ready to eat are not only done more for the military. There will a variety of vendors that provide elements of basic needs of food, the dissemination of a wide range of budgets. Military MREs are the easiest to store, safest and most profitable to your emergency kit. Be prepared. Buy MRE. You will be happy catastrophe.

As a family of independent and responsible citizens, we believe in supporting the Government in the event of a disaster by being ourselves and self-prepared. This requires preparation and planning. We also want to be a valuable resource for you and other families in our district, county and city. Therefore, we have developed a website to give you information about military meals ready to eat, or MREs are created. Visit Warehouse MRE meals for more information on MRE rations and other emergency preparedness resources.

Source: http://www.lizscafe.com/?p=30

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Source: http://www.getoutdoors.com/goblog/index.php?/archives/4373-Did-Slacklining-Just-Become-The-Zoomba-Of-Outdoor-Sports.html

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Get the right time share deals

If you are interested in buying your time share property, finding the hottest deals is key towards eliminating pain from your travel planning.

Time share deals provide the security of an ideal vacation without the hassles of dealing with financing inconvenience because the vacation is already paid prior to traveling.

Get the right time share deals

A time share deal will allow you to rent a vacation in your time share resort of choice. It brings an incomparable convenience on your part in enjoying the amenities of your favorite vacation spot you would like to come back to every year. Time share deals allow you to choose on renting, owning or selling a time share ownership.

You can find necessary tools to expand your time share opportunities at the click of a button. Through the internet, you may find the hottest time share deals. Since the industry of renting, owning and selling time share increasing rapidly over the years because of its convenience, there are many web sites that cater to your time share needs.

Benefits of the right time share deal

The concept of time sharing is paying in advance your vacation trips in the future. The price you pay for the ownership or rent of a resort unit for an entire year is too expensive compared to time share. This is the reason why the industry receives positive response from people. Time share deals allow you a form of ownership only during a specific time of the year.

Other benefits of purchasing a time share deal is that you can go on a vacation at your home resort of your choice. More and more resorts around the world are offering time share deals. Your choices are bountiful as 5,000 time share resorts offer these hot deals in 90 countries around the world.

If you purchase a time share deal and become an owner, you will be treated like one. Compared to a renter of a resort unit, you can enjoy the privileges of being its owner. Condominiums, the most common type of unit in timesharing, have bedrooms, appliances like refrigerators, iron, wash and dry, color TV, kitchens, CD and DVD players, just to name a few of the amenities.

Your time share deal can also allow you to bring your family and friends to vacation because of the spacious condo units available. You can sleep up to 10 people with its family setting.

Time share deals may include condominiums that have kitchens. This will allow you to cook your own food while on a vacation that can save you up to $100 per day. Or if you really want to enjoy your dream vacation, time share resorts also offer personal chefs in your unit. This service is available and if you purchase it, an additional payment is required.

Time share deals are one-time deals but they can be exchanged or sold to other investors. You can freely choose when you want to sell your time share ownership and offer the deal to someone else. Take note that the time share resort does not give any of your money back. That is why, the best option is to exchange or sell it for a new one.

If you are anxious to make a decision, know that there are 4.5 million time share owners today in different parts of the globe who have bought a time share deal and continue to enjoy it today. It has become one of the fastest industries in the world and the fastest in the travel industry for the past decade.

Time share deals are being widely offered by big companies like Marriott, Disney, Hilton, Hyatt, Four Seasons and Starwood. They are now the leading companies that offer time share deals to investors.

You legal rights, responsibilities and obligations are also being supported by consumer legislation in all 50 states in the United States. These legislations will ensure that your time share deal and ownership are protected by the laws of the country.

Time share deals will depend on your choices (choice of timeshare resort, resort time, exchange season, type of unit, number of bedrooms, bathrooms and usage of amenities). Other factors may also affect the amount you pay in buying or selling a time share property along with purchasing and maintenance fees. In the case of real estate companies? intervention, the professional fees you will pay is upon the discretion of the company.

Once you have closed you time share deal, you will have all the rights, benefits and privileges to enjoy your new vacation time share ownership in the vacation spot of your choice.

So whether you want to enjoy the warm sands in the sunny beaches of the Caribbean or ski a powder packed slope in the mountains of Switzerland, time share deals bring you the advantages of your dream vacation. Don?t wait any longer. As soon as you took time in choosing what and where you want, you can find the perfect time share deal that suits your traveling needs.

Source: http://www.plusgetaway.com/get-the-right-time-share-deals/

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ZURICH (Reuters) ? Swiss bank UBS (UBSN.VX) predicted further weakness in investment banking after a restructuring of the business failed to prevent an earnings hit from the euro zone debt crisis and worries about the global economy.

"Traditional improvements in first-quarter activity levels and trading volumes may fail to materialize fully, which would weigh on overall results for the coming quarter, most notably in the investment bank," UBS said on Tuesday.

The bank said fourth-quarter net profit shrank to 393 million Swiss francs from 1.66 billion francs in the 2010 period and compared with a forecast for 737 million in a Reuters poll.

Investment banks had a torrid time last year as trading and advisory income was hammered as clients pulled back from markets due to the euro zone debt crisis, and stopped doing deals. The outlook is set to remain tough as tougher regulations and economic slowdown bite.

U.S. rivals including Goldman Sachs (GS.N) and JPMorgan (JPM.N) posted weak fourth quarter income, and Deutsche Bank (DBKGn.DE) also fell to a fourth quarter loss due to a slump in bond trading.

UBS, which announced in November it would scale back its investment bank business to focus on its flagship private bank, said it had cut risky assets by 20 billion Swiss francs in the fourth quarter with "no significant impact on profitability."

Kepler Capital Markets analyst Dirk Becker welcomed the reduction in risky assets but said there were still questions over the future of the investment bank.

"Revenues have recovered from the really poor Q3 levels, but are still too low to feed a division with still over 17,000 employees," he said.

"The downsizing plans of the management will reduce this revenue base further and make it impossible to achieve satisfactory returns for this division, which will still consume the largest part of the capital."

Shares in UBS trimmed initial losses to be down 0.7 percent in midday trade.

UBS said it saw a few "bright spots" in the performance of its investment bank, which was hit by a $2 billion rogue trader scandal uncovered in September but pared its pretax loss to 256 million from a loss of 650 million the previous quarter.

UBS said it was making progress on delivering on plans to cut total headcount by almost 4,000, with total staff down 1,101 in the quarter to 64,820 at the end of 2011, but said it would have to slash more costs if market conditions worsen.

BRIGHT SPOTS?

"The investment bank clearly did better than feared with better than expected revenue streams, however, wealth management clearly suffered from weak client activity," said Vontobel analyst Teresa Nielsen.

Inflows at the UBS flagship private banking arm slipped to 3.1 billion Swiss francs ($3.4 billion) in the fourth quarter from 3.8 billion in the previous quarter, while the gross margin on invested assets fell 6 basis points to 91 basis points.

UBS financial head Tom Naratil said uncertainty in the eurozone was doing more to dampen activity by wealthy clients than the trading scandal: "The trading incident is not something clients are talking to us about today."

UBS stressed its eurozone exposure was relatively low, in comparison to Deutsche Bank which recently posted a fourth-quarter loss amid one-off charges such as Greek debt writedowns into the quarter.

The affair surrounding former UBS trader Kweku Adoboli will linger as he is set to stand trial in September after pleading not guilty to trades the Swiss bank says were unauthorized.

UBS said investment banking head Carsten Kengeter would voluntarily forgo a bonus for 2011 after the scandal, while total bonuses for the bank will fall 40 percent and 60 percent in the investment bank.

Naratil said UBS would issue loss-absorbing capital to meet tough new Swiss capital rules fairly quickly, but that it still prefers non-dilutive forms of capital such as write-down debt over contingent convertible bonds, or CoCos.

He told a news conference the bank was initially considering issuing around $1 billion in dollar denominated capital.

UBS said it had been granted some immunity by Switzerland's antitrust authority in return for cooperating with its probe into the potential manipulation of LIBOR. [ID:nL5E8D71M6]

Several countries are investigating "improper attempts" to manipulate LIBOR rates, which is the benchmark price big banks set for interbank borrowing costs. WEKO said last week it was investigating 12 banks, including UBS. [ID:nL5E8D30I7]

($1 = 0.9227 Swiss franc)

(Writing by Emma Thomasson; Editing by Sophie Walker)

Source: http://us.rd.yahoo.com/dailynews/rss/economy/*http%3A//news.yahoo.com/s/nm/20120207/bs_nm/us_ubs

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Coffee ? From Food to Drink.The history of the discovery of coffee is rife with speculation. Its transition from food to beverage is equally open to interpretation and historical variances. Early European explorers and botanists assumed that Ethiopians chewed raw coffee beans for electricity following selecting their grazing goats consuming the coffee berry.

They would pound the ripened coffee berries and combine them with animal unwanted fat so they grew to become pasty spherical pellets.

The focus of coffee, fat, and protein became a important resource of electrical power and sustenance, Resource specifically during lean occasions or all through war.

The coffee cherries ended up also most likely eaten raw for the reason that the pulp is sweet and has the extra gain of caffeine.

Early data even indicate that coffee cherries ended up applied to make wine. Visit Here

Its potential that coffee was treated as meals in Arabia as well.Different references you could possibly read through . . . Visit Here

posted by Amylou Firespell

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Source: http://holidaychocolategiftideas.com/coffee-from-foods-to-drink-2/

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University will reference near three years data, made "three no" requirements: near 3 years province (area, and city) College health are budget education operating expenses failed to implementation and same year revenue increases synchronization of, in principle year does not considered set College. near 3 years General College Admissions admitted number and high school stage graduates total of ratio than national average level 5% above of province (area, and city), in principle year does not additional new of College. near 3 years undergraduate students accounted for this, and????Specialist more than the national average of the total number of students enrolled in 5% (district, municipal), undergraduate of the year does not, in principle, the creation of new schools. Celine Handbags Principle of professional staff in merged colleges not "upgrade" has specific requirements, including: secondary vocational schools is not, in principle, to upgrade to higher vocational school, is not to merge with Celine Handbags the high school; in principle not upgrading to undergraduate school in higher vocational schools, not to merge with the undergraduate school, has not changed its name to the high
College; medicine class high College Celine Handbags in principle not additional; strictly master normal, and police class high College of additional; public general specialist level school upgraded for undergraduate school must strictly master; on private general Celine Handbags specialist level school, as its layout reasonable, running conditions compliance, and running features highlight, and no violations behavior, and graduates session number in 7 session above, meet local economic Celine Handbags social development and higher education reform development of actual needs, can in original Foundation Shang application formed undergraduate school.????Furthermore, the establishment of Sino-foreign cooperative undergraduate Celine Handbags schools, foreign famous educational institutions shall be acknowledged by the International College. Rein in "College" l "University" and "College" was renamed "University" will strictly control standards, control the number of rename. agriculture, forestry, Celine Handbags teachers college does not change in principle to non-agricultural, forestry, normal school. agriculture, forestry, and teacher-training colleges in the merger, when upgrading, to ensure that agriculture, forestry, teacher education, not a weakening, continues to retain the agricultural,

Source: http://lanceconra.allmyblog.com/366-ministry-of-education-banned-the-new-col.html

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Way too many people believe lots of the rubbish that comes from some of the ?magic pill? weight loss solutions. The advertising spiel usually promises an easy, fast way to lose weight without having to bother with exercise. Whilst you may lose a small amount of weight with these products you?ll be much better off using your cardiovascular system. This includes your lungs, your heart and the entire vascular system which can supply oxygen to all of your muscles. If you don?t have a high level of cardiovascular fitness you may end up with some not very nice illnesses that could have been avoided.

Cardiovascular fitness isn?t just about weight loss, although you?ll find it is much easier to lose weight if you add a bit of exercise into your daily routine. Even if you just improve your level of fitness slightly you can feel much more energetic during the day. After taking a quick walk your body usually creates endorphins. These are more commonly known as the body?s ?feel good? hormones. Add to this the increased oxygen circulating around your body and into your brain, and it?s easy to see why people feel so much better after doing a bit of extra exercise.

It has been widely noted that an increase in your cardiovascular fitness could mean a greater reduction in the amount of body fat you have. More physical activity means you need more fuel for your body. More physical activity means you need more fuel for your body. Fat stores are sometimes used as extra energy for your body. You can therefore lose fat by doing just a few extra things like walking up the stairs or parking your car at the end of the car park so you have to walk further.

Since Cardiovascular fitness is so important, you will want to find ways to increase your wellness levels each day. In order to be healthy you do not have to be a well conditioned athlete. Find fellow workers who like to walk, and take a walk on all of your breaks. The best exercise you can get is walking, so walk to the places you need to go, instead of driving. Instead of fighting for the closest parking place, park farther away, so you have to walk more steps. To become a very fit person, it is choosing to take little steps until you can take bigger steps, and then never giving up.

In conclusion, your level of cardiovascular fitness could be the key to healthy, long-term weight loss. The overall health benefits shouldn?t be forgot about either. Even a small increase in your fitness level can improve your health dramatically on several levels. You?ll also be able to sleep much easier which means your energy levels will be greater in the day.

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Source: http://newhealthandfitness.org/2012/02/07/ways-to-improve-your-cardiovascular-fitness-by-boosting-weight-loss/

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Photo credit: Alex E. Proimos

Whether you have some cash you want to directly invest or you are just trying to decide on the best plan for your retirement savings accounts, understanding how stocks and bonds work is critical. Although they seem intimidating, the concepts of stocks and bonds are actually quite simple for anyone to understand.

First, let?s start with stocks, which are what usually comes to mind when people think of investing. When a company wants to grow and needs capital, one technique it uses is going public and allowing individuals to buy shares of the company, represented by stock certificates. The shareholders take on partial ownership, with claim to a very small percentage of the company?s assets and earnings.

The confusing aspect of stocks is that their current prices are dependent on what people will pay for shares, not on how much the company has in physical assets or earnings. If people fear a company will perform poorly and start selling stocks, the price will decrease until demand rises again and individuals purchase stocks at that lower price. Therefore, stocks can be very volatile, increasing and decreasing in value throughout the day. However, in the long run, the stock market as a whole gains about 10 percent per year, making it a great long-term investment. This long-term gain is based primarily on actual earnings by the companies.

When investing in stocks, you can either select individual companies to include in your portfolio or buy an index, such as the S&P 500, to get a wide variety of stocks that will track market trends as a whole. The best strategy depends on whether you feel educated enough to select stocks on your own and how much you want to be paying attention to industry news and making decisions on when it is time to sell a stock.

Now, on to bonds. These are a way for a company to directly borrow from investors rather than selling shares of the company itself. When a company issues a bond, it promises to pay a percentage of interest to the bearer each year, in addition to buying the bond back for its face value after a specific number of years. Bonds are a bit of a gamble because the company could go under before the bond is bought back, but overall, they are less risky than stocks.

One of the interesting things about bonds is that their market price often varies from their face value. Depending on how well the company is doing and how many years are left until maturity, investors might offer to pay less than or more than the bond?s face value to buy a bond on the market.

Stocks and bonds are the two major types of long-term investments, along with mutual funds that are combinations of different stocks and bonds managed by a professional investor. Mutual funds are an easy way to invest without doing much legwork yourself. You can select funds with different balances of stocks and bonds to manage your risk and expected return based on your investing strategy.

Filed Under: financial education ? Investing

Tags: bonds, financial eduacation, Investing, stock market, stocks

Source: http://www.myinvestingblog.com/understanding-the-basics-of-stocks-and-bonds/

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Source: http://www.msnbc.msn.com/id/21134540/vp/46272660#46272660

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Ivis Urbina, right, with her granddaughter Alexa Agillon, 6, protest with others outside Miramonte Elementary school in Los Angeles Monday, Feb. 6, 2012. About three dozen parents and supporters staged a protest at the Los Angeles-area school rocked by allegations of lewd conduct crimes by two teachers against children. They demanded greater communication with education officials and the placement of cameras in classrooms and hallways at Miramonte Elementary School. (AP Photo/Damian Dovarganes)

Ivis Urbina, right, with her granddaughter Alexa Agillon, 6, protest with others outside Miramonte Elementary school in Los Angeles Monday, Feb. 6, 2012. About three dozen parents and supporters staged a protest at the Los Angeles-area school rocked by allegations of lewd conduct crimes by two teachers against children. They demanded greater communication with education officials and the placement of cameras in classrooms and hallways at Miramonte Elementary School. (AP Photo/Damian Dovarganes)

Yolanda Sanchez talks about what she describes as documented child abuse of her son, outside the Miramonte Elementary school in Los Angeles, Monday, Feb. 6, 2012. About three dozen parents and supporters staged a protest at the Los Angeles-area school rocked by allegations of lewd conduct crimes by two teachers against children. They demanded greater communication with education officials and the placement of cameras in classrooms and hallways at Miramonte Elementary School. (AP Photo/Damian Dovarganes)

Los Angeles County Sheriff's deputies stand outside Miramonte Elementary School in Los Angeles Monday, Feb. 6, 2012. About three dozen parents and supporters staged a protest at the Los Angeles-area school rocked by allegations of lewd conduct crimes by two teachers against children. They demanded greater communication with education officials and the placement of cameras in classrooms and hallways at Miramonte Elementary School. (AP Photo/Damian Dovarganes)

FILE - TO GO WITH ABUSOS COMUNIDAD - In this undated police booking photo released by the Los Angeles Sheriff's Department shows former Los Angeles teacher Mark Berndt, 61, who was arrested for felony molestation of 23 kids after photos surfaced. Berndt been charged with committing lewd acts with 23 boys and girls ages 7 to 10. AP Photo/ Los Angeles Sheriff's Department, file)

Dalia Gutierrez wears the coat of her attorney, Luis Carrillo, not shown, before announcing a claim for alleged abuse suffered by her daughter at Miramonte Elementary school in Los Angeles Monday, Feb. 6, 2012. Teacher Mark Berndt, 61, who worked at the school for 32 years, has charged with committing lewd acts on 23 children, ages 6 to 10, between 2005 and 2010. (AP Photo/Damian Dovarganes)

LOS ANGELES (AP) ? The entire staff at a Los Angeles elementary school is being removed while authorities investigate horrific allegations of sexual abuse by two of the school's teachers, one of whom is accused of blindfolding children, taping their mouths and photographing them in a classroom.

Los Angeles Unified School District Superintendent John Deasy said Monday night that more than 120 staff members at Miramonte Elementary School ? everyone from the principal and teachers to the cafeteria workers ? were being replaced because a full investigation of the allegations will be disruptive and staffers will require support to get through the scandal.

"We intend to interview every adult, every adult who works at that school, whether they are a teacher or administrator, or whether they are an after-school playground worker or a custodian or a secretary. I mean every single solitary adult who works at Miramonte," Deasy said to parents who packed a high school gymnasium.

An entire staff has been selected to come into Miramonte's classrooms to take over teaching for the time being, and there will be a psychiatric social worker in every classroom to help students and staff cope with any issues.

All employees will be paid during the investigation, district spokesman Tom Waldman said. Officials didn't know how long the investigation would take.

"The last thing I'm worried about is a budget issue," Deasy said. "The No. 1 thing I'm worried about is the students."

School officials canceled classes on Tuesday and Wednesday as a cooling-off and transition period, Waldman said. All current staff members will report to another location, where they will be interviewed, he said. The new staff will report on Thursday.

Deasy emphasized that all new staff members being brought into the classroom went through a "very rigorous screening process."

He added Miramonte staff members are having a difficult time understanding this situation.

"I'm mostly overwhelmed by how grieved they are, how upset they are, how broken their own personal trust is. In many ways, they are victimized too," Deasy said. "They taught in this school for years and assumed everyone else was doing good things."

United Teachers Los Angeles said in a statement that union leaders and staff have met with instructors at Miramonte.

"We support a thorough, vigorous and fair investigation of all allegations," the statement said. "It's everyone's responsibility to ensure that any and all allegations are thoughtfully and carefully investigated."

Miramonte parents were happy to hear the news first from the superintendent. They have complained bitterly that they weren't informed about the yearlong investigation. Many heard the sordid details on news reports or from the TV crews camped out at the school's entrance.

School officials said they deferred to sheriff's detectives, who asked them not to divulge details that might affect their investigation.

Maria Jimenez, 51, said the parents are divided over the decision to remove the school's 88 teachers and 40 other staff members.

"Some are in favor. Others are against it because they did this without advising us or consulting us," she said.

The decision follows the arrest of two longtime Miramonte teachers: Mark Berndt and Martin Springer.

Berndt, 61, was charged last week with committing lewd acts on 23 children, ages 6 to 10, between 2005 and 2010. The acts cited by authorities include blindfolding children and feeding them his semen in his classroom, in what children were allegedly told was a tasting game.

Berndt, who worked at the school for 32 years, remains jailed on $23 million bail and could face life in prison if convicted.

Springer, 49, was arrested Friday on suspicion of fondling two girls in his classroom. He was being held on $2 million bail.

Springer taught at Miramonte for his entire career, which started in 1986, the district said. He taught second grade. The school board is scheduled to discuss firing him in a closed-door meeting Tuesday.

Investigators said they know of no connection between the Miramonte cases. Berndt and Springer know each other and took their classes on at least two joint field trips in the past decade, according to the Los Angeles Times.

More than a quarter of the students at Miramonte were absent from school Monday while parents demanded more protection at the school, with attendance reaching just 72 percent, according to figures from the Los Angeles Unified School District.

About three dozen parents and supporters protested in front of the main doors of the school earlier Monday, some carrying a banner that read, "We the parents demand our children be protected from lewd teacher acts."

As night fell, about 100 angry parents marched from the elementary school to the nearby meeting with administrators.

School police watched and sheriff's deputies were on hand, but there was no violence.

The district set up a toll-free hotline on Monday to receive reports of suspected abuse at Miramonte, said school board President Monica Garcia in a statement.

Garcia added that the district would step up efforts to ensure students and staff realized the importance of reporting misconduct.

In the same school district, a janitor at a San Fernando Valley elementary school was arrested on suspicion of committing a lewd act with a child on a campus.

Paul Adame, 37, was taken into custody after a mother told police on Sunday that he had inappropriate contact with her child during school hours Friday at Germain Elementary School in the Chatsworth area north of Los Angeles, police Capt. Kris Pitcher said at a news conference.

The captain declined to provide details but urged anyone who might know of other possible victims to contact police.

Adame was booked and released on $100,000 bail Monday. It could not be immediately determined if he had an attorney.

There was no immediate connection between the arrest of the janitor and the cases at Miramonte, which is 15 miles away in an unincorporated county area of South Los Angeles.

____

Associated Press writer Robert Jablon contributed to this report.

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-02-07-Teacher-Classroom%20Bondage/id-66efd081a2c14359a50f33328b7e21cb

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