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Michael Feinberg is the Director of Product Marketing at Boston Micromachines Corporation. He has over 10 years of marketing and engineering experience in various technology fields. He can be reached at firstname.lastname@example.com and welcomes any comments about the content presented herein.
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1) LCOS devices are only available in a segmented architecture, where MEMS DMs offer both continuous and segmented styles in various styles and options. Although both layouts have their own advantages, most researchers favor the continuous model. Due to discontinuities between the actuators, it prevents any sharp edges within the image, making it well suited for imaging applications. Claire Max at UC Santa Cruz has explained and presented calculations on how you can achieve higher level of correction capability with a continuous mirror. Check out slide 47, which goes over her calculations here.
2) With MEMS DMs, we are able to offer strokes up to 5.5um (1.5um, 3.5um and 5.5um available), while LCOS SLMs are generally limited to only a stroke of 2PI in the visible region. This can be a major inconvenience for certain applications with higher amplitude aberrations.
3) The response time of our devices have always been much faster than any liquid crystal device on the market, while recent updates to our product line achieve even FASTER rates than before. Our devices can operate up to 60 kHz with our new high speed Kilo-S Driver or our Low-Latency Driver, whereas LCOS devices are limited to only a few hundred Hertz at best.
4) For the most part, LCOS devices are transmission based, causing light to be absorbed by the medium and resulting in lost light. There have been reflective devices introduced recently, however, they tend to scatter large amounts of light due to the small segment sizes. With a MEMS device, our segmented mirrors are over 98% reflective and our continuous mirrors are greater than 99%. Of course, this is the case only with the appropriate coating for the wavelength at which you are operating.
If you're interested in learning more about the differences between MEMS DMs and LCOS devices or the differences between any other mirrors currently on the market, please feel free to contact us here.
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Scattering media can be a real headache if you are looking to achieve high-resolution, deep tissue in vivo images. Without adaptive optics, do not anticipate having the optical control you need to correct for scattering media effectively. But no need to worry, we have a solution.
Since standard Multiphoton Microscopy just wasn't cutting it, the Cui Lab at Howard Hughes Medical Center pioneered a new technique that Boston University also recently developed, called Superpentation Multi-Photon Microscopy (S-MPM). Each group uses a different optimization scheme but the outcome is the same: The enhanced technique permits active compensation of wavefront aberrations in a scanning beam path through the use of a BMC MEMS Spatial Light Modulator (SLM), allowing for increased depth imaging.
Developed at Boston University and commercialized by Boston Micromachines, the enabling components are the Kilo-SLM and the high speed S-driver. With these components incorporated into the test bed shown in Fig. 1, images of 1 µm diameter fluorescent beads through 280 µm thick mouse skull can be achieved at depths of about 500 µm. The SLM corrected low order spherical aberrations as well as higher order scattering effects. Signal enhancement with higher resolution and contrast were improved by 10x-100x. The optimized SLM phase improves imaging over a field of view of 10-20 µm for samples tested to date with techniques currently in the works to improve upon this.
With 600 nm of stroke and 60 kHz of maximum frame rate, the Kilo-S System comes in a variety of options to fit your needs at a much reduced cost over our standard 1000 channel system. Contact us today for more information on our Kilo-S or any of our other systems!
About half of our customers use our deformable mirrors for laser applications, such as beam shaping or steering. We get a lot of questions pertaining to laser power and handling for both our deformable mirrors and modulators. Below is a summary of the guidelines we use when discussing our technolgy.
The most important specification to note immediately if you are working with lasers is the damage threshold of our DM's. There are two mechanisms of failure to consider: mirror damage due to heating and coating delamination. The first failure mode is largely governed by the average power experienced by the DM. The rule of thumb that we follow is maximum average power of 20W/cm². For the second failure mode, the peak energy is of greatest concern. In this case, the threshold that we use is that of a standard thin-film gold metallic coating, in this case, 0.4J/cm². Depending on the DM system, the calculations may be slightly different. In order to ensure a DM is suitable for your application, we typically need to know as many of the following properties as possible: the pulse width of the laser, peak power, frequency, wavelength and beam size. This last pameter will help to determine which aperture size is required and if you need to change your beam size at all. Additional information on laser power can be found on our previous blog here.
From a power threshold standpoint, our modulator technology works similarly to our deformable mirror technology. However, it may have a slightly lower damage threshold due to the fact that the exposed surface is a thin layer of silicon nitride as opposed to the thicker polysilicon surface used for our deformable mirrors. Honestly, we do not have much experience testing the devices. If you are interested in carrying out testing, we would be glad to lend you some modulators to test.
If you are interested in learning more about customers' experience with high-power lasers used on our DM's, please click here to read Andrew Norton's paper on laser test performed using our DMs. Also, please visit our website or contact us for questions or additional information on how to obtain a device for testing.
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For those interested in using our deformable mirrors with laser applications, there are a few common questions which are asked in regards to the AR-coated window and if it is/can be removable. Below is a summary of what's standard and what's possible:
Both the optical modulator and our DMs are protected by a 3mm thick window, which are standard BK-7 windows from Thorlabs. The options for windows are:
This can also be customized upon request. The windows are mounted on a 6° angle in order to prevent ghosting.
A lot of requests are in regards to removing the protective window. For our standard DMs, the window is not removable as it is attached with an epoxy. For our modulators, the window IS removable. We highly recommend you DO NOT REMOVE the protective window. The only exception to not having an AR-coated window would be if the DM was operated in a clean room environment. In this case, we can deliver the modulator or DM without the window and include a protective removable lid instead. In addition, we recommend flowing Nitrogen at a very slow pace around the mirror to ensure the humidity remains low around the DM. The required humidity is <30% as the mirror is made of polysilicon which needs to be protected from corrosion.
Please visit our website or contact us for additional questions.
Just a few weeks ago we arrived back from the Photonics West 2014 exhibition and conference in San Francisco, CA. I wanted to share details and further observations on the show for those present at the show and those not being able to attend this year.
For the first time we made the decision to also attend the BiOS exhibition for the few days prior to PWest. Not being quite sure what to expect for booth traffic, especially since it conflicted with the superbowl, we still generated a good amount of interest for the smaller show. Our main presentations focused on our new adaptive optics-enhanced scanning laser ophthamoscope (AOSLO), the Apaeros Retinal Imaging System, which includes our Multi-DM, and the Superpenetration Multiphoton Microscopy technique, which is enabled by our Kilo-SLM and high speed S-Driver. Although both exhibits generated respectable notice and positive feedback, most people were familiar with the Superpentration Multiphoton work being done. Either wanting to try two-photon microscopy themselves or already in the process of doing so, our Kilo-SLM paired with our high speed S-driver presented data that was intriguing to most.
After wrapping up BiOS, we headed to the opposite side of the South hall at the Moscone Center for a larger booth setup for PWest. Here we had our entire mirror family on display, as well as live demonstrations of the Reflective Optical Chopper and Wavefront Sensorless Adaptive Optics Demonstrator for Beam Shaping (WSAOD-B). For this part of the exhibition, I would say our deformable mirrors produced the most attention, most likely due to our wide assortment of shapes and actuator counts up to 4092. The WSAOD-B live demonstration did generate a great deal of attention, as most people are unaware of how sensorless AO works. Besides our deformable mirror line, I would still say the Multiphoton Microscopy overview was initiating even further interest here as well.
Overall BMC had a great show and it seemed well worth it to expand our exhibit onto BiOS beforehand. Although this was my first time attending the show, I noticed every inch of space at PWest being used for exhibitor tables and booths, even setting up in front of the bathrooms! I hope to see PWest advance even larger, maybe one day expanding to its third space, West Hall. I look forward to next year's show and hope to reconnect with you all again throughout the year.
If you were not able to attend the show and would like any information on the products mentioned, please visit our website and download our whitepapers.
Happy New Year! Hope everyone had a great holiday and is staying warm.
To continue addressing our FAQ's, another recurring question BMC recieves is on the flatness of our deformable mirrors. The figure below shows an unpowered BMC DM and a flattened BMC DM.
The surface figure of our unpowered deformable mirrors has a low-order surface bow. The amount of stroke needed to flatten the DM is between .5 µm and 1 µm, depending on the model. We can guarantee that the stroke needed to flatten the deformable mirror will not exceed this amount and tends to be lower for the lower stroke devices.
However, researchers in the past have been able to achieve flattening the wavefront without using up any stroke on the DM. If you are able to include additional optics into your setup, the low order bow can be taken out with static optics. Just something to keep in mind as you are designing your system and trying to determine how much stroke is required to achieve your wavefront correction needs.
If you have any additional questions in regards to the flatness of our mirrors or are interested in seeing what the typical unpowered surface figure is, please contact us at email@example.com or visit us online at www.bostonmicromachines.com
One question that tends to be asked quite often is the reflectivity our deformable mirrors can achieve. This depends on a couple of factors such as mirror coating, protective window AR coating and the wavelength of the light.
We offer gold, aluminum and protected silver coating on almost all of our deformable mirrors. When selecting a coating, you should pay particular attention to the wavelength(s) of light you use. The BMC DM Coating Reflectivity chart to the right illustrates the reflectivity of each of our standard coatings.
Our standard windows with AR coating are BK-7. We offer a few options, depending on which size mirror you select. For our smaller DMs, we offer the standard coatings from Thorlabs as well as a few more versatile options. You may choose either uncoated, 350-700nm, 650-1050nm or 1050-1620nm. We also offer a 400-1100nm window and 550-2400nm, the latter for an additional cost. For our larger DMs, various coating options are available. We do offer customizable options for an extra fee, so please contact us with your specifications if you require this.
The N-BK7 Broadband Antireflection Coatings chart from Thorlabs below depicts the percentage of light lost for each AR coated window. Similar curves are available for our other coatings.
If you are looking for additional information on our standard windows, please visit our friends at Thorlabs online. If you have any further questions on the reflectivity of our mirrors, click here to send us an e-mail or visit us online at www.bostonmicromachines.com
It has been quite some time since our last blog post due to a great deal going on at BMC! Alongside some new product releases, we recently made a few adjustments and updates to our ophthalmic imaging instrument, the Adaptive Optics Scanning Laser Ophthalmoscope (AOSLO) which we are releasing early next year.
This next-generation instrument allows in vivo retinal imaging on a cellular level and is currently undergoing beta testing at the Beetham Eye Institute at Joslin Diabetes Center, led by Dr. Jennifer Sun and her team. There it is being used to directly quantify features such as cone density, microaneurysm size and measure blood flow through the microvasculature in the retina. By pairing a Scanning Laser Ophthalmoscope (SLO) with advanced Adaptive Optics, it offers the advantage of imaging the retina at a resolution 2-3 times that of a standard SLO.
The AOSLO is also capable of measuring various properties of retinal cone physiology. Due to its enhanced imaging and software, it enables evaluation of the following attributes:
The AOSLO's ability to measure such features allows early stage detection of visual decline due to diabetes. This can be identified by the decrease in cone regularity, cone mosaic changes, cone reflectance and a decrease regularity of cone spacing. This function of the AOSLO can help determine early treatment plans for patients and generate further investigative studies.
When testing out the AOSLO at Joslin, we found something very interesting out about our CEO, Paul Bierden. The pictures below depict his own retina, discovering that he has a microaneurysm! This was unexpected news, since normally it would be undetectable by any other retinal imaging systems. 30% of the microaneurysms imaged using the AOSLO at Joslin were not visible in fundus photos. The AOSLO is able to accomplish this by evaluating the vascular and neural retinal planes in vivo with cell-scale resolution. The pictures below also point out the microaneurysm attributes that can be measured. They are:
Lastly, the AOSLO is able to measure small-vessel blood flow. This is done with the help of its enhanced imaging qualities, instrument optimization and post-processing software. By stopping a horizontal scan over a blood vessel, it can measure the blood velocity by tracking the moving erythrocytes over a scanning line. With this information, researchers can produce a blood velocity profile for retinal vessels. See the video below to see how it's done!
If you have any interest in using the AOSLO, let us know! Please give us a call and let us know about your research. We are accepting orders for the new instrument and are open to collaborative grant applications to secure funding. If you are interested in seeing the AOSLO in action, we are setting up appointments now for the next few months. We hope to hear from you soon!
It's been a few weeks since we returned from the Conference on Lasers and Electro-Optics 2013 and now that we're settled back in to the daily routine, I thought I would give some highlights on the show. I was happy to be joined this time by our new Marketing and Communications Specialist, Angelica Perrone, who did a great job navigating the complex photonics market for the first time.
While the conference seems to be chugging along at a nice pace, the tradeshow has most definitely become a smaller venue. We were once again hosted by our strategic partner, Thorlabs (thanks, again guys!) and being in such a central location on the floor, we were able to get a good flavor for the pace of the show. Here are my thoughts:
Little, different, yellow, better
Anybody get that Nuprin reference? Anybody? See what I 'm talking about here.
Okay, so it's not yellow (although yellow lasers are cool), but the show is definitely getting smaller. I mentioned to a colleague that since the show is in San Jose for the second year in the row, it seemed like the barriers on either end of the tradeshow floor had moved in just a bit.
As far as different, the show is not like other photonics shows in that it is pretty focused in its applications. While there were some interesting talks on microscopy, this was a small portion of the material, with most others focussing on more laser-centric applications, as the title of the conference implies.
As far as better, I would say that for BMC, it was most definitely better for our new products: The Reflective Optical Chopper(ROC) and the Linear Array DM. We recieved more interest in these products over our legacy deformable mirror technologies. This is exciting for me as a product marketer and salesperson and even moreso as a member of a company that is always looking for new avenues for our technology. We see the ROC being useful for users who span from pure laser scientists to imaging engineers interested in chopping a beam at high speed with either a constant or variable duty cycle. The linear array has already proven useful in pulse shaping applications as described in our whitepaper, which is available for download here. Both products are available for purchase now.
Our Wavefront Sensorless Adaptive Optics Demonstrator for Beam Shaping (WSAOD-B)also generated some buzz. More and more applications which require wavefront correction are surfacing and need a solution without a wavefront sensor.
In all, it was a good show that has given me and my team work to do as we explore more exotic applications for our technology. I look forward to joining the show again next year and I hope to connect with all of you again in the near future!
For more information on the products mentioned above, please visit our website and download our whitepapers.
As Boston Micromachines' newest member, I would first and foremost like to introduce myself. My name is Angelica and I have joined the BMC team as their Marketing and Communications Associate. It has been some time now since our last blog and I thought it would be appropriate to discuss our most recent product; The Reflective Optical Chopper, or ROC.
Optical Choppers, being frequently used for signal recovery in improving signal-to-noise ratio, are used to convert a continuous laser beam into a chopped one. Traditional Optical Choppers offer various pains, such as the need to alter the beam size to fit through wheel spokes, challenging stability at low speeds, the need for costly lock-in amplifier equipment and complex calibration procedures. The innovative, low-cost ROC simply eliminates all of these, outperforming traditional optical choppers.
Drive electronics are paired with BMC's MEMS Optical Modulator technology to create the ROC. The ROC provides beam chopping at impressive speeds without beam size modification. With a frequency range of DC to 150 kHz with better than 40 µs response time, control increments of .01 Hz and a contrast ratio exceeding 90% up to 100 kHz, the value of the ROC 'speaks' for itself. For signal-to-noise ratio improvement, the drive signal can be used as the sync signal, allowing it to be painlessly synchronized.
Many industrial, scientific, medical, aerospace and military applications call for the need of reliable and advanced equipment. The ROC has superior capabilities such as high speed, large frequency range, reliability, stability and usefulness in SNR improvement applications. Basically, the Reflective Optical Chopper is an advance in optical chopping technology which is available at a low price.
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Music for the Nation: American Sheet Music
The Day of resurrection /
Day of sweet memories; Christmas song /
Day of wonder /
Day of wrath! Dies Irae /
The day oh the daylight for me /
The day oh! The day for me /
The day spirits /
Day spring /
Day star-of hope /
The Day that my poor mother died! /
The Day we celebrate! /
The day we two were wedded, or, The anniversary, a ballad /
The Day when I was young /
The Day when the savior was born /
The Day when you'll forget me /
The Day will come /
The Day you came to me /
The day! /
Day, in melting purple dying /
Day-Break /
Day-dream polka /
Day-dreams /
The Day-spring from on high /
The Day-star of glory /
Daybreak /
Daybreak mazurka quadrilles /
Daybreak polka /
Daydreams; Reverie /
Daylight and darkness /
Daylight galop /
Daylight galop [orchestra] /
Daylight galop [piano] /
Daylight is breaking, morning song /
Daylight is on the sea /
Daylight is on the sea, serenade /
Daylight is waning - Cade la sera /
Daylight tells /
The Days are long /
The Days are sweet and long /
The Days are sweet but long /
De days gone by.
The days gone by, ballad /
Days gone by, ballad /
The Days grow longer /
Days grow longer; Easter carol /
The days of childhood /
The Days of long ago /
Days of love /
The Days of the past /
The Days of yore /
Days of yore, The; Ballad /
Days of youth /
Days of youth; March /
Days of youth; Minuet /
Days of youth; Polka /
Days of youth; Rondo /
Days that are gone - Chanson du pastaur /
Days that are gone seem the brightest /
Days that are gone; Chanson du pastour /
The Days that are no more /
The Days that are to come /
Days that might have been! The /
The Days when I was young /
The days when we were young, ballad /
Dayspring /
The Dayspring /
The Dazzle waltz /
Dbut waltz /
La Dbutante waltz /
Dbutante, La; valse /
De 'sociation ball /
De Banjo am de instrument for me /
De Beriot polka -- Valley polka -- Reform polka -- Mountain polka /
De Hillside /
De Huckleberry picnic /
De Lancy polka /
De Louisiana canebrakes /
The De Meyer grand waltz /
De Molay grand march /
De Soto schottisch /
De Soto waltz /
De angels am a coming /
De bad Bob Lee /
De beacon lamp am burning /
De cabin on de Mississippi shore /
De camp meetin' fire bell /
De coons am on parade /
De culled dancin' school /
De darkies hab de flo' /
De day I as sot free! /
De days when I was sold in slavery /
De days when I was sold in slavery; Banjo song /
De gospel bells am sounding /
De gospel cars /
De la boulevarde quadrille /
De lam' a strayin' /
De little cabins all am empty now /
De news dat's in de papers /
De old camp meetin' /
De old church-yard in de lane; or, Darling Minnie Gray /

subset: commoncrawl


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There are not a lot of bliss-inducing activities that would equal a good massage. The cares and worries fade away and the world is reduced to the another human's touch.
We all need to be touched — and it isn't just a psychological need, but a deep-seated biological need. Babies need it to flourish, and grown-ups are no different. Asian cultures accept this and have embraced massage not as a relaxation technique, but as a healing tool. It was considered part of health care in China as far back as 3,000 BC. Massage is said to unclog or unknot the body's life force, or Qi (chi), thus restoring health and well-being.
Massage, the way Asians do it, is a product of centuries, even millennia, of learning and developing. No wonder it feels so good. And there's a certain simplicity and unfussiness about it — no special beds or tools, no oils are applied to the skin, and you stay fully clothed.
Tui na ("push", "grasp"), is part of the arsenal of traditional Chinese medicine, and involves touching and kneading key points in the body, using a similar anatomical road map as acupuncture.
These Chinese techniques eventually found their way to Japan, which is geographically a stone's throw away. Japanese an ma ("press", "rub") which later gave birth to shiatsu (which translates to "finger pressing") massage, is largely derived from the Chinese way.
Thai massage is locally referred to as nuat phaen boran, which means "ancient-manner massage". This one's my favorite — mostly because it feels like doing yoga, only somebody else is doing it for you. It is sometimes called "yoga massage". Thai massage draws on different massage traditions from different parts of Asia, but its Chinese and Indian origins are the ones most clearly felt.
Giving a Massage
If you want to try giving a massage, there's no reason why you can't be good at it. Touch is a universal language, and you only need practice in order to speak it well.
I am by no means a professional masseuse, but in my family, I am the go-to girl for massages. So here are a few pointers I'd like to offer for a successful first try:
- Set the atmosphere. Get help where you can. The recipient of your massage will more likely not notice your inexperience if their other senses are involved. Create a spa-like ambiance. Dim the lights, light up a scented candle or incense stick, play some soft music.
- Get a few massages yourself. They'll familiarize you with what feels good.
- Massage muscles, not bone — this is wisdom from my Dad. Muscles appreciate a massage more. Concentrate on fleshy parts — butt, calves, shoulders. Don't press on the shoulder blades, but rather the muscles around it; not on the spine, but on the parts on either side of it.
- Remember that pressure is distributed equally in the area of contact. So use more when using your palms or the length of your forearm. Ease up when using smaller points, such as thumbs, fingertips or knuckles.
- Look out for reactions. They'll give you hints on whether what you're doing feels good or not.
- Read up and watch videos. Whatever massage style you'd like to try doing, there are tons of how-to vids and articles out there.
So that's my two cents' worth on this. Good luck and enjoy your massage! I had a blast "researching" for this post!


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Artist, nerd, oldschool.
Shoutout to Skerlockians, Whovians, Hunters, Oncers, Casketts, Starkids. Fans of Merlin, LotR, LoK, KH, Avatar, OHSHC, and Ghibli. Enojy <3
|In high school they told us:
|There will be no grades in a class except the midterm and the final, so you have to study hard because failing one test means you fail the class.
|Once I was in college a professor said:
|Hey, you guys are working really hard on your third paper, so I'm just going to cancel the final and give everyone a hundred on it.
|In high school they told us:
|In college, class always begins exactly at the scheduled start time. If your class is at 9 AM and you get there at 9:01, the doors will be locked and you'll be out of luck, especially if it's the day of the midterm or final, because then you get a zero.
|Once I was in college a professor said:
|Does anyone mind if I start class at 3:35 instead of 3:30? These elevators are really slow and I want to have time for a cigarette before I teach for 90 minutes.
|In high school they told us:
|Every class you miss drops you a full letter grade in college courses.
|Once I was in college almost every professor said:
|You can miss three classes without a penalty, and a few more if you have a Doctor's note. Sorry to be a hardass, but you automatically fail if you miss more than ten days of class.
|In high school they told us:
|If you do have papers, your professors just lecture and put the assignments on the syllabus. You're completely responsible for remembering the deadlines, they won't remind you. All your professors will do is lecture and the rest is up to you.
|Once I was in college a professor said:
|Okay, so your next paper is in two weeks! I'll keep reminding you in the interim, but I just want to make sure you have enough time to do it! Let's run through the structure I want to see real quick, and if you have any questions, feel free to email me or come to my office hours!
|In high school they told us:
|You have to use MLA formatting and if you make any mistakes in your citations, it'll be considered plagiarism. You'll be expelled and probably sued.
|Once I was in college almost every professor said:
|Please do not use MLA, it is awful, we use either APA or Chicago here because we are not 14 years old.
|In high school they told me:
|There is no excuse for an absence. NONE.
|In college I called a professor and said:
|I'm really, really, really sorry but it's -18 before windchill and I have to walk two miles to get to class.
|The professor said:
|You stay inside and stay safe. Here's what we're reading today. I'll quiz you next week and if you can get a 90% I'll mark you present. I know you live off-campus, do you have food?
|In high school they told me:
|Your advisor is just for academia, not personal problems.
|In college my advisor called me:
|Are you okay? I haven't seen you in class in two weeks and I know you have depression. I can drop off your work if you'd like. Please call me and tell me how you're doing even if you can't get to class.
|In high school they told me:
|Don't argue. You think this is bad, wait til college.
|In college all but one of my professors said:
|You wanna argue, do it in a civil manner. We didn't get here today without 5000 years of healthy debate.
|In Addition:
|In high school they told me:
|You need to exceed all of your peers to get your teacher's attention and MAYBE they'll give you a good reference with a network.
|Most of my college teachers:
|Hey, you're fucking funny, I like you, you say intelligent things sometimes, and some dumb shit but you're here to learn and if you need a recommendation, come to me and I'll help out.
|High School:
|Forced the quiet kids to talk
|You're quiet... give me a good amount of thought in your papers and tests and your participation points will be counted.
|High School:
|Don't ask questions, just listen and do the readings and you'll be fine!
|ASK QUESTIONS YOU QUIET CRICKETS!!! Seriously, how in the hell am I supposed to know you understand me? I know you all don't get this shit, it's hard so ask questions!


text:
|Data sources
Federal Home Loan Mortgage Corporation (Freddie Mac)
Federal Reserve Board of Governors
|Freddie Mac Primary Mortgage Market Survey: 30-Year Fixed Mortgage Rate
|Source: Freddie Mac
|MBA Mortgage Loan Applications Survey
|Source: Mortgage Bankers Association
|Net Percentage of Domestic Respondents Reporting Stronger Demand for C&I Loans
|Source: Federal Reserve Board of Governors
|Net Percentage of Domestic Respondents Tightening Standards for C&I Loans
|Source: Federal Reserve Board of Governors
|Net Percentage of Domestic Respondents Tightening Standards for Mortgage Loans
|Source: Federal Reserve Board of Governors
District lending conditions continued to remain tight for both consumers and small businesses during the third quarter of 2009. Banking contacts remained cautious on loan approvals, subjecting borrowers to increased equity requirements, continued scrutiny of appraisals, and generally stricter credit standards.
Freddie Mac Primary Mortgage Market Survey
For the week ending October 16, mortgage rates inched upward for the first time since the end of August. The 30-year fixed mortgage rate averaged 4.92 percent, five basis points higher than the previous week but 12 basis points lower than a month earlier. At this time last year, the rate averaged 6.46 percent.
MBA Mortgage Loan Applications Survey
The Mortgage Bankers Association (MBA) reported in its weekly survey of mortgage bankers, commercial banks, and thrifts that the volume of mortgage loan and refinance applications decreased from the previous week, remaining well below the high levels reached in January and April of this year. The seasonally adjusted market volume index of mortgage applications, which includes purchases and refinances, decreased 13.7 percent for the week ending October 16; the seasonally adjusted refinance index decreased 16.8 percent from the previous week. Both series set recent highs during the week ending October 2.
Senior Loan Officer Opinion Survey
The Federal Reserve Board's July 2009 Senior Loan Officer Opinion Survey on Bank Lending Practices (which reflects activity during the second quarter of 2009) indicated that domestic banks continued to tighten standards and terms on all major types of loans to businesses and consumers; however, the net percentage of banks tightening standards declined from the April survey. Most banks expect their lending standards to remain tight until at least the second half of 2010.
Demand for loans continued to weaken across all major categories except prime residential mortgages. Almost 45 percent of domestic banks reported a further weakening of demand for commercial and industrial (C&I) loans from large firms, on net, and 55 percent indicated weaker demand from small firms; both numbers are improvements from the April figures of 60 and 63.5 percent for large and small firms, respectively.
Survey results also indicated that the rate of tightening for loans to businesses edged downward for the third consecutive survey. Approximately 31.5 percent of domestic respondents, on net, reported tighter standards on C&I loans to large and midsize firms during the second three months of 2009, continuing the declining trend that peaked at 83.6 percent in the November 2008 survey. Thirty-four percent of respondents, on net, reported tighter standards on loans to small firms, down from more than 42 percent in April and 69 percent in January.
In the July survey, the net percentage of domestic banks tightening standards on prime residential real estate lending fell to 21.6 percent, down from 74 percent one year earlier. Approximately 46 percent of respondents, on net, reported having tightened their lending standards on nontraditional residential mortgages over the past three months, compared with 64 percent in April.
For the second consecutive survey, domestic banks reported increased demand from prime borrowers for residential mortgages; however, on net, the percentage of banks reporting increased demand fell to 15.7 percent, down from 36.7 percent in April. The net percentage of banks reporting weaker demand for nontraditional mortgages from creditworthy borrowers increased slightly to 16.7 percent.
Domestic banks reported little change in their willingness to make consumer installment loans. On net, the percentage of domestic banks that reported tightening credit card standards fell significantly, from nearly 60 percent to around 35 percent; the net percentage of domestic banks that reported tightening standards on consumer loans (excluding credit cards) fell to 35 percent, down from 45 percent in April. Domestic banks reported tightening of loan terms and conditions for both credit cards and other consumer loans, but the net percentage of banks that tightened in July was not as high as in April.


text: Hello!! That is if I have any readers left. I have decided to start another blog tenativally entitled FIT BY FORTY!! I really want to get into shape by my 40th birthday which is coing up November 30th. I remember when my mom was 40. It's not as old as I thought it was. Anyway, I want to blog about my eating habits and workout endevours not only to help myself but hopefully to help others in the process. I hope many of you will read my blog , make comments, suggestions etc. Really and truly we all have the same stuggles and victories. Thanks to all of you who have read my blog in the past and with God's help and yours, I hope to be FIT BY FORTY!!!


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2014 VOLKSWAGEN TOUAREG: The most important addition to the Touareg lineup for the 2014 model year is the R-Line, which is based on the Lux trim for V-6 and TDI Clean Diesel models. This model adds a sport suspension, 20-inch "Mallory" aluminum-alloy wheels, and a bevy of exterior and interior enhancements. On the outside, the R-Line model receives: R-Line badging; LED taillights; sportier front and rear bumpers; and side skirts. Inside, the R-Line gets brushed aluminum trim, stainless-steel pedals, a black headliner, an R-badged steering wheel, and unique sill kickplates. Sport with Navigation and the Lux models receive Keyless access with push-button start. On the other hand, all models except for the R-Line and Sport have a new "Easy Open" motion-activated trunk opening feature, which is a real boon to owners who have their hands full and want to access the cargo area.
Visit the official Volkswagen site for more information


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GoggleWorks: Ceramics
Show off your artistic side as we head to the GoggleWorks for a ceramics class that is sure to entertain. A GoggleWorks artist will be your teacher as you and your friends create your very own ceramic artwork. Sign up in the Office of Student Activities. Space is limited.Start Date: 9/8/2012 3:00 pm
End Date: 9/8/2012 6:00 pm
Location: GoggleWorks
Sponsor: The Office of Student Activities
- History: Established as a private four-year liberal arts college in 1958, Alvernia celebrated its 50th year by being awarded university status in 2008.
- Heritage: Founded by the Bernardine Sisters, a Catholic religious order, the university embraces the Franciscan core values of service, humility, collegiality, contemplation and peacemaking.
- Motto: "To Learn, To Love, To Serve"
- Campus: The main campus in Reading is 121 acres, with two satellite campuses in Philadelphia and Pottsville (Schuylkill County).
- Location: Our residential campus is situated three miles from center-city Reading, in the scenic Blue Mountain area of Eastern Pennsylvania.
- Enrollment: 3,000 students attend Alvernia including 1,500 traditional undergraduates, 600 continuing education students, and 780 graduate students. Over 77% of first-year students live on campus.
- Faculty: Our professors are accomplished scholars, experts in their fields, and supportive mentors. The student-to-faculty ratio is 14:1. Most classes are 20 students or fewer.
- Athletics: NCAA Division III, member of the Commonwealth Conference of the Middle Atlantic States Athletic Corporation and member of Eastern College Athletic Conference, 8 men's and 10 women's intercollegiate sports.


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A nicely shaped, and usually freshly shaved vulva, typically characterized by large labia majora (outer lips) and small, if not invisible, labia minora (inner lips). A peach features absolutely no roast beef, and is considered by many men to be the ideal vulva for a woman.
Did you see her vagina? It was perfect! What a peach!
作者 Beefus McDanglepuss 2005年9月24日
very strange and very...horny canadian singer.
"suckin on my titties like you wantin' me..callin' me...all the time, like blondie...check out my chrissie b-hynde..."
作者 fraulein julieTTTe 999 2004年11月26日
Urban or Freudian allusion to a vulva. The juiciness, soft hair, and shape of the fruit obviously resemble the female vulva. Biting into a peach, with the consequent explosion of juices, is often invoked as a Freudian exposition of male (or female) libido.
"Do I dare eat to a peach..."
T.S. Elliot - The Love Song of J. Alfred Prufrock
T.S. Elliot - The Love Song of J. Alfred Prufrock
作者 com 2007年1月30日


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Strong Upward Pre-Market Activity For CVS Caremark (CVS)
- CVS has an average dollar-volume (as measured by average daily share volume multiplied by share price) of $482.9 million.
- CVS traded 51,205 shares today in the pre-market hours as of 9:17 AM.
- CVS is up 2.9% today from Friday's close.
EXCLUSIVE OFFER: Get the inside scoop on opportunities in CVS with the Ticky from Trade-Ideas. See the FREE profile for CVS NOW at Trade-Ideas More details on CVS: CVS Caremark Corporation, together with its subsidiaries, provides integrated pharmacy health care services in the United States. The stock currently has a dividend yield of 1.7%. CVS has a PE ratio of 18.4. Currently there are 15 analysts that rate CVS Caremark a buy, no analysts rate it a sell, and 4 rate it a hold. The average volume for CVS Caremark has been 5.3 million shares per day over the past 30 days. CVS Caremark has a market cap of $78.7 billion and is part of the services sector and retail industry. The stock has a beta of 0.84 and a short float of 0.9% with 1.54 days to cover. Shares are down 7.2% year-to-date as of the close of trading on Friday. STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more. TheStreetRatings.com Analysis: TheStreet Quant Ratings rates CVS Caremark as a buy. The company's strengths can be seen in multiple areas, such as its revenue growth, solid stock price performance, impressive record of earnings per share growth, compelling growth in net income and good cash flow from operations. We feel these strengths outweigh the fact that the company shows low profit margins. Highlights from the ratings report include:
- The revenue growth came in higher than the industry average of 6.7%. Since the same quarter one year prior, revenues slightly increased by 5.8%. Growth in the company's revenue appears to have helped boost the earnings per share.
- Powered by its strong earnings growth of 30.37% and other important driving factors, this stock has surged by 29.02% over the past year, outperforming the rise in the S&P 500 Index during the same period. Regarding the stock's future course, although almost any stock can fall in a broad market decline, CVS should continue to move higher despite the fact that it has already enjoyed a very nice gain in the past year.
- CVS CAREMARK CORP has improved earnings per share by 30.4% in the most recent quarter compared to the same quarter a year ago. The company has demonstrated a pattern of positive earnings per share growth over the past two years. We feel that this trend should continue. During the past fiscal year, CVS CAREMARK CORP increased its bottom line by earning $3.03 versus $2.61 in the prior year. This year, the market expects an improvement in earnings ($3.96 versus $3.03).
- The net income growth from the same quarter one year ago has exceeded that of the S&P 500 and greatly outperformed compared to the Food & Staples Retailing industry average. The net income increased by 24.6% when compared to the same quarter one year prior, going from $1,006.00 million to $1,254.00 million.
- Net operating cash flow has significantly increased by 84.50% to $1,703.00 million when compared to the same quarter last year. In addition, CVS CAREMARK CORP has also vastly surpassed the industry average cash flow growth rate of -48.19%.
- You can view the full CVS Caremark Ratings Report.
STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.
CVS Health Corp Stock Price
CVS Health Corp Analyst Ratings
CVS Health Corp Key Stats & Profile
CVS Health Corp Earnings
CVS Health Corp Ratio Comparison
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We're headed into the unofficial start of summer with Memorial Day weekend. So it's time for an important reminder about sunscreen. That's because you don't want what starts going around this time of year... sunburns.
The physicians and staff with Colorado Springs Health Partners have talked to us about making this a priority. Here's what to do if you get a sunburn. First, avoid more exposure to the sun. Next, take a cool (not cold) bath or apply a cool, wet compress. Then, apply aloe or some other kind of "after sun" spray. Also, don't forget to drink lots of fluids.
But the best thing you can do for a sunburn is not to get one in the first place. So here's what you do... always use sunscreen with an SPF of 15 or higher. The American Academy of Pediatrics says to apply it 30 minutes before you head outdoors so it absorbs into the skin. Reapply it every two hours, wear a hat and sunglasses. Stay in the shade when possible and avoid the strongest rays of the day between 10a.m. and 4p.m.
Keep these tips in mind and you'll be able to get outside and enjoy your holiday weekend.
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Learn how to organize, edit, and share your photos with Photoshop Elements 13.
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DETROIT (WKZO) -- Detroit's emergency financial manager is officially on the clock.
Kevyn Orr started his job to turn around the nearly-bankrupt city Monday as protesters gathered in downtown Detroit and then left for Cleveland, Ohio. Organizers of the protest said they were headed there to demonstrate against Orr's law firm, saying they were taking their fight to the "puppeteers" and "not spending much time on the puppet."
Detroit is millions of dollars in debt and faces 14-billion dollars in long-term liabilities.


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- Address:
100 West Houston Street
New York, NY 10012Neighborhood:
West Village
- Cuisine:
AmericanPrice: $30 and under
- Dining Style: Casual Elegant
- Website: http://janerestaurant.com/
- Phone: 2122547000x
- Hours of Operation:
M-Th: 11:30 a.m. – 11 p.m.
F: 11:30 a.m. – midnight
Sat: 9:30 a.m. – midnight
Sun: 9:30 a.m. – 10 p.m.
- Payment Options: AMEX,MasterCard,Visa
- Cuisine: American
- Executive Chef: Glenn Harris
- Dress Code: Casual Dress
- Accepts Walk-Ins: Yes
- Additional Details: Banquet/Private Rooms, Beer, Cafe, Full Bar, Late Night, Patio/Outdoor Dining, Private Room, Takeout, Weekend Brunch, Wheelchair Access
- Special Events: Contact May Cohen for your special event needs email@example.com or 212.966.3250
A word from Jane
Jane is a casual American bistro located between Greenwich Village and Soho. Since April 2001, neighborhood regulars and destination diners alike flock to Jane for its value-priced brunch, lunch and dinner menus. Jane also serves as an ideal location for private events, from business dinners to baby showers.Continued
At Jane, the menu showcases an affinity for local ingredients with what New York magazine calls "cleverly tweaked but unpretentious American cuisine." To complement the food, Jane offers a hand-selected, extensive wine list and seasonally driven cocktails.
Jane is the sister restaurant to The Smith East Village, The Smith Lincoln Center and The Smith Midtown.
At Jane, the menu showcases an affinity for local ingredients with what New York magazine calls "cleverly tweaked but unpretentious American cuisine." To complement the food, Jane offers a hand-selected, extensive wine list and seasonally driven cocktails.
Jane is the sister restaurant to The Smith East Village, The Smith Lincoln Center and The Smith Midtown.
Foodspotting photosSee all photos
Jane reviews from OpenTable diners
297 reviews since June 4, 2014
- Food4.3Service4.3
- Ambiance4Noise LevelModerate
great for brunch (203)fit for foodies (138)neighborhood gem (133)great for lunch (95)good for groups (89)hot spot (67)special occasion (40)romantic (39)kid-friendly (23)vibrant bar scene (12)late-night find (11)notable wine list (5)scenic view (4)great for outdoor dining (3)Show More
- AmazingOpenTable Diner Since 2009Dined on 9/28/2014Service, atmosphere, and goes the extra to please their customers!Special Features:
- MikoVIPDined on 9/28/2014Large brunch menu, good food, large portions and friendly service. Delicious potatoes! A little on the pricey side but I would go back.Special Features:I would recommend this to a friend.
- FantasticMissLDined on 9/27/2014I had the prime rib which was simply the best thing I have ever eaten (only available on Saturdays). Our waiter was great and made really good recommendations. Not a bad thing to say. Excellent.Special Features:I would recommend this to a friend.
- Great BrunchCometDined on 9/27/2014Perfect stop for a great brunch or lunch! A bit noisy but staff is friendly and vibe is young!Special Features:
- consistently good food!live2eatDined on 9/27/2014Enjoyed our brunch at Jane again! Took a friend who is a native New Yorker who had never been. She loved it!! We will be back Donna from BaltimoreSpecial Features:
- my friends fell in love!Kitkat1428Dined on 9/21/2014My friends kept raving about the place. I had been there before but they hadn't. They said it absolutely made their trip to NYC!Special Features:I would recommend this to a friend.
- Great BrunchSusanVIPDined on 9/21/2014Delicious brunch food, with upbeat vibrant atmosphere!Special Features:I would recommend this to a friend.
- Food is good...bism12Dined on 9/20/2014I've been to Jane several times in the past and loved it. Unfortunately, that's no longer the case. I had a 2 pm reservation and arrived at 1:40 pm. Checked in with the hostess, was told table would be ready closer to 2. I had no idea how much closer to 2 so I checked back at 1:55. I was told to come back at 2:00 or 2:02. Um ok. Meanwhile, there are people arriving later than I did being seated. Check back again at 2:15. Table still isn't ready. Finally got seated at 2:30 pm. Before our plates were empty, a guy came by and took them away. Food is good but there are 100 other restaurants within arms reach with great food. Oh and they no longer offer a free mimosa with your $18 french toast. No brainer for me, I won't be returning.
- Fantastic brunchReviewerDined on 9/20/2014I would go back every weekend if I could. Delightful food and wonderful ambiance. A reservation is a necessity.Special Features:
- Always a good choiceBklynDined on 9/16/2014Jane is our go to place for consistently good high quality food with a diverse enough selection to apeal to most. The space is large enough space that you can talk without feeling on top on your neighbor and it can accommodate larger groups.I would recommend this to a friend.
- great Sunday specialJakeDined on 9/14/2014Jane was terrific. The service was excellent and friendly. The Sunday special--flat iron steak, pomme frites, with bernaise sauce---for only $19.95! Delicious and a great price.Special Features:I would recommend this to a friend.
- Fantastic brunch experience.AR26Dined on 9/14/2014My experience at Jane was phenomenal in all regards. The food, the service, the ambience, were all unparalleled. I would come back here without hesitation.Special Features:I would recommend this to a friend.
- I like it anywayMeal123Dined on 9/13/2014I'm a fan of Jane, and so, despite uncharacteristically bad service on this last visit, I'll go again. The menu is interesting and the good is tasty. Also, the cocktails were delicious (and strong).Special Features:I would recommend this to a friend.
- LOVED it so muchOpenTable Diner Since 2011VIPDined on 9/12/2014We went for dinner, then back for brunch the next day! Food was amazing :)Special Features:I would recommend this to a friend.
- Not just for brunch!OpenTable Diner Since 2010VIPDined on 9/12/2014Excellent food ambience, service. Dinner was delicious. Service very attentive and friendly A great place for a romantic evening out.Special Features:I would recommend this to a friend.
- Jane! Brava!OpenTable Diner Since 2014Dined on 9/10/2014Jane never disappoints. Food, drinks—including wine—and service are reliably consistent and wonderful. An oasis in a crazy world.Special Features:
- awesomejennybDined on 9/7/2014Everything was great! would come back again and again. Food was relish!Special Features:
- blahboppingwinefoodVIPDined on 9/7/2014Theres such a hype about this place -i didnt quite get it. the service was great I'm not going to lie however the eggs benedict And the everything crepee we ordered werenot properly seasoned missing salt and lacking flavor. the decoration is basic, there's nothing unique about it I would probably go to the Smiths over Jane any timeSpecial Features:
- Don't Go Sunday Before NoonTay13JDined on 9/7/2014My husband and I visited Jane from out of town because we read their brunch was amazing. Though the prices were a little higher than what we were looking for they advertised that a cocktail was included with every meal. Well, that made the entree prices very appealing. However, due to NY law, they couldn't sell alcohol before noon on Sunday (we had 10:30 reservations). They offered complementary juice... but not coffee. Which baffled me. But anyway, the food was good. My husband loved the biscuits and gravy. The french toast was to die for! I also had the rancheros but didn't like the soft tortilla and I thought the salsa was bland (out of a jar generic).Special Features:
- Best brunch ever!!debbyx1xVIPDined on 9/7/2014We took a weekend trip to NYC with friends and just love Jane!! We had been here with the same friends two years ago and had brunch at Jane but I think the food this weekend surpassed our first experience here. We ate at wonderful restaurants all weekend but my favorite meal was at Jane. Can't wait to take my boys there!Special Features:I would recommend this to a friend.
- Fun & Tasty Start to the NightBeeeJayDined on 9/6/2014On a recent Saturday evening we arrived on time for our 9pm reservation and were seated promptly in a comfortable corner booth. We ordered a variety of appetizers, entrees, sides and numerous specialty drinks. The service was outstanding and the food and drinks were tasty and interesting. We enjoyed an ideal dining experience.Special Features:I would recommend this to a friend.
- BrunchRestaddtDined on 9/6/2014While brunches usually serve the regulars, I love that Jane expands their eggs Benedict selections, putting crab cake and grits instead of the traditional english muffin. I really do love it, although perhaps if they could do their grits slightly flatter so there's not so much, it would be most excellent balance otherwise. Potatoes were really good! If they could take the greasy out of the bacon slightly, it was slightly off putting to see all of that grease shining in the dim light. French toast was very very good, although I do wish other fruits such as blueberries or raspberries were options, even for a dollar more. Drinks were good - bloody mary's came with olives/green tomato instead of celery, or an option for diners would be great.Special Features:
- An excellent surpriseBuzzwordVIPDined on 9/1/2014We spent the long weekend in NYC and mapping out places to eat is always a challenge. I chose "Jane" based on some good reviews...and on a whim. We could not have been happier with the outcome. Our dinner at "Jane" was by far and away the best meal we had in our four days in NYC. The house special on Mondays turned out to be the best fried chicken (really!) I've ever had. And the ribs are outstanding. To validate our food-swooning, we heard much ooohing and ahhhing from the diners at nearby tables. Add to that, the wait staff are excellent; attentive, friendly and gracious. To make our experience even more remarkable: our $$ tab was about half of what we spent at other restaurants over the weekend. "Jane" is definitely a winner!Special Features:I would recommend this to a friend.
- Lovely dinnerTacoDined on 8/31/2014We went on a Sunday night to celebrate a few things and enjoyed the great steak frites deal that is offered then. We shared an appetizer and a dessert as well. The steak was juicy and delicious, there really were a mountain of frites on the plate, and the dessert was excellent. I also really enjoyed my cocktail (although standard practices indicate that any cocktail with lemon and clear alcohol is going to be a good one), called the French 75. The restaurant was about half-empty, but it was a Sunday night before a holiday so it's not surprising. Service was attentive, noise level was surprisingly low, and overall a very enjoyable experience.Special Features:
- Birthday brunchFoodloverDined on 8/31/2014Food was great and waiter was helpful and friendly, offering drink suggestions. Fun place to be with friends. A little noisy/loudSpecial Features:I would recommend this to a friend.
- Excellent BrunchDaveDined on 8/31/2014Interesting variations on Eggs Benedict, all with marvelous potatoes. Service was attentive and cordial. Come early and it is not too crowded but it fills up quickly.Special Features:I would recommend this to a friend.
- Great BrunchDenjggVIPDined on 8/30/2014Great brunch with innovative cocktails & trendy well thought out menu. The food is consistently well prepared. A lively downtown stylish crowd adds a another dimension to the room. Make res in advanced or be prepared for a wait. The Jane is very popular.Special Features:I would recommend this to a friend.
- Perfect for Parents' VisitBintheBigAppleDined on 8/29/2014My mom, dad, and sister came to town for my mom's 50th birthday/Labor Day weekend and this was the perfect choice for their first night in the city. The food and service were truly on point.Special Features:I would recommend this to a friend.
- outstanding!chee2766Dined on 8/27/2014The food and the service. .. I will visit again. ...Special Features:I would recommend this to a friend.
- OpenTable Diner Since 2012Dined on 8/23/2014Our waitress was absolutely wonderful and there was never a time where our waters were not filled. She made excellent recommendations as well!Special Features:I would recommend this to a friend.
- Great brunch!carythecobra85Dined on 8/23/2014All specialty brunch menu items looked delicious. I finally decided on "The Johnny", per our excellent server, Emily's suggestion. It was the first time I had not ordered the truffled gnocchi and I was not disappointed. I ate every single bite. Good, spicy Bloody Mary's, too!Special Features:I would recommend this to a friend.
- ExcellentFoodLoverDined on 8/23/2014Not only was the food was delicious but the service was outstanding. Very friendly and fast.Special Features:I would recommend this to a friend.
- Fresh spin on American comfort foodVisitorVIPDined on 8/21/2014Really enjoyed the food. Great, friendly service. A great place to get a meal in the Village.Special Features:
- Solid Spot for an Affordable NightVillageFoodieVIPDined on 8/21/2014My wife and I went here for a casual date night. The food was good, the prices were reasonable and the service was excellent and speedy. I'd recommend it as a neighborhood staple and will be returning.Special Features:
- Jane is a good place...live2dineoutVIPDined on 8/18/2014It is a perfect neighborhood restaurant with a solid menu and tasty dishes. I go often because it is close by and it is consistently good.Special Features:
- Jane great as alwaysKateSVIPDined on 8/17/2014Tried new dish and its still amazing as everything elseSpecial Features:
- Amazing ghnocciJujuVIPDined on 8/17/2014Amazing ghnocci although too small for the price. Nice service and ambience. Down size is that restaurant was not full and they were rushing us to leave.Special Features:I would recommend this to a friend.
- A Fun AfternoonhungryonsundayDined on 8/17/2014Really kind waitstaff who coped well with the brunch rush. Remember that in NYC no alcohol can be served before noon on Sundays, so if you're planning on getting a Bloody Mary or Screwdriver with your entree, consider sleeping in. Waiting time with reservation: 15 minutes. Waiting time without reservation: about an hour.Special Features:
- Used to be greatOpenTable Diner Since 2014Dined on 8/16/2014I used to always take visiting friends here and would go here for special occasions. They have raised their prices several times in the last year. They changed their recipe on my favorite dish. So not only does it cost more but you get less. The hostess is always rude, even when I was having a birthday brunch there. I'm kinda over this place. I hear Penelope is fantastic.
- Amazing brunchjordankDined on 8/16/2014Their brunch is fantastic. It has a wide selection, all of which is delicious. I highly recommend their vanilla french toast.Special Features:I would recommend this to a friend.


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Numerology Monthly Numbers
November 2011
November 2011 carries the numerological frequency of 8!
An eight month is considered a month of justice, inspiration and genius. In your business life you might find yourself actually reinventing the wheel or taking on – and completing- projects that were previously dismissed as impossible. It's also a month that you may receive overdue recognition for past activities.
Eight is also the number of money so this may bring an extra boost to your wallet.
Your personal life will probably be filled with creative concepts coupled with caring for others. You may find a desire – almost a need – to help others. This is a perfect time to do that. Eight months generally bring people together in unusual ways and long lasting bonds are formed during these months.
You might require more personal time to sort through the new ideas that surface this month. Take that time without guilt. It's important to allow your spirit to soar without restraint. But as this is such an energized month it is also important to take the necessary time to bring yourself back into a grounded position. Connecting with Nature and meditation are two excellent ways of grounding and maintaining a balanced center.
It's an 8 month!


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A funny thing happened during a Television Critics Association news conference designed to promote Fox's "Napoleon Dynamite" animated series — the subject of religion came up. The subject of Mormonism, specifically.
And, to be clear, there are no Mormon references in the show, of which Fox ordered six episodes, with the debut airing on Jan. 15. Just Mormons who make the show.
Animate this, Napoleon
Fox's "Napoleon Dynamite" airs at 7:30 p.m. Sundays on Channel 13.
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The question asked of executive producers Jared and Jerusha Hess wasn't in any way offensive: "You've always really tried to keep it very clean, I think, out of your beliefs. And I'm wondering — is it harder to be funny and clean, or does the dirty joke not even occur to you?"
Ah, trying to get inside the minds of those indecipherable Mormons.
It wasn't a nonspecific line of questioning. "You know who I'm talking about. I believe you're all Mormon, correct?"
Well, not everyone involved in the show is Mormon. The Hesses are, as is Jon Heder, who voices Napoleon.
And that's still looked upon as an oddity, at least to the people who write about TV.
I can't recall a time in the past 22 years when the subject of a producer's, director's or star's religion was raised during a press tour unless it was linked to the project. Like a documentary about the pope or a series about Muslims in America.
I can't recall anyone being asked about being Catholic, Protestant, Jew or anything else while talking about their cartoon. So for the Hesses to be asked about their religion is a clear indication that being a member of The Church of Jesus Christ of Latter-day Saints is seen as something outside the norm.
"I think, for whatever reason, it's entertaining," Jared Hess said. "There aren't many Mormons that are working in show business. It probably seems to a lot of people like a paradox. Like, 'How can you be in that business with your faith?' It doesn't add up to a lot of people. It seems like a good story to a lot of people."
The line of questioning continued in follow-up questions after the news conference. One reporter seemed completely taken with the angle that — gasp! — Mormons can be funny. Can even be a bit irreverent at times.
"I think that Mormons have to take themselves way less seriously," Jerusha Hess said. "Because it is a little weird. Our background is weird. What we believe is a little weird. It's all very weird. So if we could be just more light and just have a sense of humor."
Oh, by the way, Jerusha Hess' response to the original question — "Is it harder to be funny and clean? — was:
"Did you notice how many farts are in our shows? It's just a different kind of comedy."
Scott D. Pierce's column appears Mondays and Fridays in The Mix. Email him at email@example.com; follow him on Twitter @ScottDPierce; read his blog at sltrib.com/blogs/tv.
Copyright 2014 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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DC Motega Knit TopSKU: #8066476
Product Information
- DC Clothing Size Guide
- Please note that this style is either discontinued and/or from a previous season.
- Roll through in this amazing DC® top to assert your dominance in the fashion world.
- Cotton-poly blend provides for the superb wear you need.
- Ribbed neckline.
- Triangle cutout detail at front.
- Half sleeves with ribbed and banded cuffs.
- DC label at left hem.
- Ribbed and banded hem.
- 55% cotton, 45% polyester.
- Machine wash cold, tumble dry low.
- Imported.
- Measurements:
- Length: 24 in
- Product measurements were taken using size SM. Please note that measurements may vary by size.


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Sierra 3500HD Denali with Dual Rear Wheels in Onyx Black shown with available equipment
1. The Manufacturer's Suggested Retail Price excludes destination freight charge, tax, title, license, dealer fees and optional equipment. See your GMC dealer for details. Click here to see all GMC destination freight charges.
© 2014 General Motors


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The uncle of a two-year-old boy killed this weekend in Birmingham is in custody.
Andre Boykins Jr., a 24-year-old from Birmingham, is suspected of shooting his two-year-old nephew Nazario Boykins to death and wounding the boy's mother, who is his sister.
The incident happened around 12:10 a.m. Saturday, March 23 at 913 8th Avenue West. Police say they are investigating the homicide as a domestic incident.
Birmingham West Precinct officers arrived to find the mother in a chair suffering from gunshot wounds. She directed officers to where her young son had also been shot. Police called their injuries "serious."
Both victims were transported to UAB Hospital. Nazario was transported from UAB Hospital to Children's Hospital where he was pronounced dead around 2:56 p.m. Saturday.
The mother is expected to recover from her injuries, police say.
Police said the child's mother provided investigators with information about the suspect. Authorities located the boy's uncle, Andre Boykins, in Prattville. He is now in custody of the Prattville Police Department and investigators are working to transfer Boykins back to Birmingham.
An attempted murder warrant has been obtained against Boykins for shooting his sister, and investigators anticipate obtaining a murder warrant against Boykins for the death of his nephew, Sgt. Johnny Williams with Birmingham Police said.
Anyone with information pertaining to the case should call the BPD Homicide Unit at 254-1764 or Crime Stoppers at 205-254-7777.
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