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The column said that the Civil Justice Network provides legal assistance for distressed homeowners in Maryland, Virginia and the District. Direct assistance is available only to Maryland residents. The organization provides referrals for residents of Virginia and the District.
Sometimes losing a home is just the beginning of the pain
As if losing one's home in a foreclosure or short sale were not already sufficiently traumatic, many former homeowners are learning that the day they turn in their keys may be only the start of an even more prolonged housing-induced misery.
Among many homeowners, there is a widespread misconception that once the house goes, so goes the debt. This is not true. Even if the homeowner loses his home to a foreclosure sale or short sale or gives his home back to the lender by a deed in lieu of foreclosure, the promissory note signed at the settlement remains a valid and legally binding obligation. That note requires the borrower to pay the lender all principal, interest and fees, regardless of what happens to the home.
Legally, the home is merely the collateral securing the repayment of that note. So even though the homeowner loses possession of his home, he remains obligated to repay the remaining principal balance of the note, all outstanding interest, late charges, and any other fees and costs incurred by the lender. These "other fees and costs" in a foreclosure scenario often amount to many thousands of dollars, including attorneys' fees and costs, the cost of advertising the foreclosure sale, and trustee or auctioneer fees (often equal to 5 percent of the successful bid at the foreclosure auction).
These other fees and costs are recoverable by the lender under the terms of its note, mortgage or deed of trust. Any money received at the foreclosure auction will be deducted from the total amount due the lender. The difference between the total amount owed and the amount recovered at the foreclosure auction is called the deficiency amount.
When all is not forgiven
Many lenders are now aggressively chasing borrowers after a foreclosure, short sale or deed in lieu of foreclosure and obtaining what is called a deficiency judgment against them. These judgments are enforceable by courts in virtually all states. The judgments typically survive for 12 years and can be renewed by the holder for additional 12-year periods, potentially plaguing deficient borrowers long after their former home has become a distant memory.
Deficiency judgments are obtained by lenders in a number of ways. In a short sale, the lenders ask anxious short sellers to sign a letter acknowledging that, in order to agree to the sale terms, the lender expects the borrower to make good on the deficiency amount. Sellers, desperate to sell and move on with their lives, often sign these acknowledgment letters, which can then be easily converted in court to a deficiency judgment. Thus, these short sellers find themselves jumping from the frying pan into the fire.
A homeowner negotiating to deliver the home back to the lender by a deed in lieu of foreclosure should try to negotiate a forgiveness of any deficiency amount based on the fair market value of the home and the amount owed to the lender.
Try to persuade the lender not to report the deed-in-lieu arrangement to the credit reporting bureaus. In a foreclosure scenario, lenders can obtain the deficiency judgment by filing another lawsuit or asking the judge in the foreclosure proceeding to enter a monetary judgment against the homeowner for the deficiency amount.
Enter the IRS
Even when a lender agrees not to collect the deficiency amount, this benevolence may create another kind of misery. Lenders forgiving deficiency amounts must report that debt forgiveness to the Internal Revenue Service and to the homeowner on IRS Form 1099-C. Forgiveness of debt is essentially income, and income is taxable. Thus, borrowers who had the good luck to borrow from benevolent lenders willing to forgive debt may, under certain circumstances, face a tax bill from Uncle Sam for this "phantom" income.
However, under the Mortgage Forgiveness Debt Relief Act of 2007, taxpayers may exclude from income certain debt forgiven or canceled on their principal residence. This exclusion applies to the discharge of "qualified principal residence indebtedness," or any debt (including refinanced debt) incurred in acquiring, constructing or substantially improving a principal residence and that is secured by the principal residence.
This exclusion is complex. The IRS has published no fewer than five publications dealing with the issue. Homeowners who have had debt forgiven should consult a competent tax preparer to determine whether the forgiven debt will be tax-free.
So what can desperate homeowners do? First, accept and open all mail from the lender or any court with jurisdiction over the matter. These letters are nothing personal. Lenders are required by law to contact delinquent borrowers several times by various means. The letters provide homeowners with notice of their legal rights.
Second, homeowners should attend all court hearings affecting their homeownership rights or right to defend against a deficiency judgment. If a homeowner does not understand these rights, he should seek legal advice.
Most state and county bar associations and law schools have established legal clinics to assist distressed homeowners. One of the best of these is Civil Justice (http:/
Harvey S. Jacobs is a real estate lawyer in the Rockville office of Joseph, Greenwald & Laake. He is an active real estate investor, developer, landlord, settlement attorney and lender. This column is not legal advice and should not be acted upon until legal counsel has been consulted.


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Amit Sethi
Term insurance is the cheapest form of life insurance product that is useful for a specific period of time. Term insurance policies are offered by major insurance companies for various periods such as 10 years, 20 years, 30 years and so on.
Moreover, getting death benefits for the insured person, if the person dies within the specified period, is a major advantage of term insurance.
Besides, it acts as a tool to save tax and can add extra savings to your account.Term insurance plans have come up with various aspects of tax deductions underlying in the Income Tax Act, 1961.
The insurance premium paid by the person taking up the plan will be allowed deduction under the provisions of Section 80C of the Act.
It subsequently adds more value to the plan for investors as well as for individual assessee and Hindu Undivided Family (HUF) assessee.
The maximum amount of deduction that an assessee can claim will be limited to Rs 1,50,000 under Sections 80C, 80CCC of the Act.
Section 80C provides benefits to individual assessee himself/herself, spouse, children of such individual and HUF assessee any member of HUF.
Thus, any payment made by a taxpayer or separate tax entity on account of the term insurance policy will be allowed deduction as per Section 80C.
Section 80CCE further states that the maximum amount of deduction that an assessee can claim under Sections 80C and 80CCC will be limited to Rs 1,50,000, which would subsequently help you saving a huge part of your income.
It assures that the person would be able to proceed with claiming tax exemption in respect of maturity proceeds of the term insurance plan at the time of any unforeseen situation such as natural calamity.
Exemptions are there under Section 10(10D) such as if any sum received under a life insurance policy, including the sum allocated by way of bonus on such policy, it will be free from income tax.
However, this rule does not apply to various amounts such as sum received under Section 80DD (3), or any sum received other than as death benefit under an insurance policy which has been issued on or after April 1, 2003, and if the premium payable in any of the years during the term of the policy does not exceed 20 per cent of the sum assured.
Under the Finance Act 2012, for insurance policies issued on or after April 1, 2012, the above mentioned limit of 20 per cent has been changed to 10 per cent under Section 10 (10D).
However, people would face no problem in claiming such a tax deduction as the premium is exceptionally low under almost all term insurance policies.
Moreover, death benefit is exempted from tax under Section 10 (10D).After exploring all key elements of term insurance plans, what a taxpayer could conclude is that it's a great package of profits which not only provides death benefits to the insured person but also serves as a tax-saving tool to leverage its tax benefits.
The author is Principal Officer, Alankit Insurance Brokers Limited. The views expressed in this article are his own.
Curated from Term insurance: A good tax-saving tool

subset: commoncrawl


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With First Tutors: Music you can find a Linlithgow viola tutor. Viola lessons are a brilliant method to start a fun new hobby, acquire a new talent and gain confidence in viola. Try our site to find Linlithgow viola tutors and choose which best matches your requirements so you can start your viola tuition in Linlithgow straight away!
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I need a Bidder for online IT Projects
Orçamento ₹1250-2500 INR / hora
i need those person who can make bid for me on freelancer and up work.
Should have good knowledge in Software and Website
5 freelancers estão ofertando em média ₹1583/hora para este trabalho
Hello sir I am dadra who recently bid on your job. but i didn't reply from my those account because i was using company's account on freelancer I have 1 year experience in bidding please contact me on my skype kiran da Mais
I m interested to work online and start working online so it is an easy job to biding for some one and earn i m well know of software and online searching and surfing try my service and i will try my best.
Hello, I have a both account.I can make a bid for you on freelancer and up work.I have good knowledge in Software and Website. Best regards Raju.


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Join at the event or join in advance by contacting the STRA Secretary.
Darrell Davis
Email: firstname.lastname@example.com
All entrants in STRA events must be STRA members. You must also be an AMA member for insurance purposes. There are 3 levels of STRA membership.
Member: $35 per year
First Time Membership: $15
Family: $40 per year (Covers all family members)
One day: $15
Membership includes ride for free at TTC (non-events), valuable prizes at the year end banquet, and more!


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India's Big Fat Weight Problem
14/05/2016 8:26 AM IST | Updated 15/07/2016 8:26 AM IST
Dushyant Krishnan Lawyer
My first sports related achievement was a third place finish in the 100-meter race on 'Sports Day' in the first grade. The fact that I spent most of my school life being overweight/borderline obese made sure it was my last until college. I lost the weight eventually; a six-week badminton camp coinciding with a growth spurt took care of it, and I am now extremely fit. I represented my college in volleyball and badminton. Despite all this, I still regret not being more athletic in school. After I started foodnetindia, I did some digging, and I realized that I was actually one among a growing number of Indian children who fell prey to childhood obesity.
Childhood obesity is on the rise in India. A 2016 study published in the Indian Journal Of Medical Research found that 19.3 percent of children and adolescents were either overweight or obese since 2010, compared to 16.3 per cent between 200 and 2005. The study also pointed out that the rise in obesity among children and adolescents was not restricted to higher socio-economic sections of society, but is also prevalent among lower socio-economic groups.
Childhood obesity is a forerunner to metabolic syndrome, poor physical health, mental disorders, respiratory problems and glucose intolerance, all of which can continue into adulthood.
A study published in the Indian Journal of Endocrinology and Metabolism noted that childhood obesity appears to be influenced by eating calorie-dense food, high in fat and sugars. Another study pointed out that another factor affecting childhood obesity is a lack of nutrition awareness among parents. Changing lifestyles, availability of calorie-rich food, and less physical activity also appear to be possible factors potentially resulting in kids being overweight or obese.
Childhood obesity is a forerunner to metabolic syndrome, poor physical health, mental disorders, respiratory problems, and glucose intolerance, all of which can continue into adulthood. Another study pointed out even more serious potential side effects of childhood obesity, including insulin resistance, type 2 diabetes and cardiovascular disease. The study also pointed out the link between childhood obesity and adult mortality.
Prevention is the best way to deal with childhood obesity. The developed world has been dealing with this problem for a while now. We in India can definitely try to learn from the experience of the first world. It has been suggested that the Government formulate a national policy to tackle childhood obesity, and partner with the private sector to help deal with the problem. The same study goes on the suggest several specific measures to tackle obesity in kids, including:
It is very easy to say 'eat healthy, work out, and you'll be fine'. But obesity is not just a health problem, it is actually what I consider to be a result of a major food safety issue. The problem is the enormous, unsafe increase in the amount of sugar and fast food that children are consuming. Children are eating and drinking excessive calories and a disproportionate part of it is coming from simple starches and sugars. Parents, teachers and other guardians must understand that this is a food safety problem and ensure that the food the kids eat does not lead to obesity.
I was obese for most my school days, and I hated it. There were so many things I just couldn't do, and not all of it was related to physical activity. I developed self-confidence issues as well. Being an overweight kid is a horrible experience. It's all up to you, parents! Don't let your kids go through it as I did!
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I would not be able to turn down any of these. Make them for you and your date, you and your girlfriends, or just for yourself. No matter who you make it for, they are sure to be decadent and delicious.
Any of these desserts catching your eye?


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Arabela Genete has years of experience training both recreational and competitive gymnasts in Romania, Portugal, England. Her most accomplished student was Andreea Raducan who under her co-leadership won the 2000 Sydney Olympic Floor all around final with her routine. You can see this here:
We will be doing a trial term at the Latchmere Leisure Centre from Wednesday 15th June – 13th July. The first class will be treated as a trial to see where your child should be placed. The age brackets are just a guide, if your child is more advanced they will be moved accordingly:
Parent and babies Gymnastics 3 – 4 years of age 3.50 – 4. 30
£45 for the trial term
Beginners Gymnastics 5 – 8 years 4.30 – 5.30
£50 for the trial term
Intermediate Gymnastics 9 – 12 years 5.30 – 6.30
£50 for the trial term
Advanced Gymnastics 12+ 6.30 – 7.30
£50 for the trial term
To book your place, please contact Michelle on firstname.lastname@example.com. www.precisionschoolofballet.com. The fees must be paid before the first lesson. We cap all classes to a maximum of 8 students per teacher to ensure valuable learning and 1 on 1 teaching can be given.
thank you
Times and prices are subject to change. Contact venue before setting out.
Event contact: No name specified


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RAHIM YAR KHAN, Dec 31 (APP): Prime Minister Muhammad Nawaz Sharif Tuesday said that Pakistan attached immense importance to its strategic ties with the United Arab Emirates and was desirous of further strengthening and diversifying the bilateral relations in all areas of cooperation.The Prime Minister said this during his meeting with President of UAE and Ruler of Abu Dhabi, Sheikh Khalifa Bin Zayed Al Nahyan here.Prime Minister Sharif also congratulated President Khalifa for Dubai having been chosen as venue for EXPO 2020 and said that it was a matter of great pride for Pakistan that Dubai has been chosen to host EXPO 2020, and it would enhance the image of the whole region. He appreciated the UAE's investment in Pakistan and progressive increase of trade between the two countries and said that it was reflective of UAE's trust in the investor friendly environment in Pakistan.
The Prime Minister said that Pakistan is in a good position to meet the future human resources needs of UAE and added that the already more than 1.25 million Pakistanis working in UAE are a human bridge between the two countries who would continue to play a vital role in the development of UAE. (Courtesy: APP)


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The Singer's Gun is the next book for my book club at work. What are you reading?
My name is Holly. I'm married to a wonderful guy and have 2 Golden Retrievers. This is a place where I share my thoughts and creative endeavors. Please feel free to leave comments! I also am a Scentsy consultant. Be sure to visit my Scentsy page at
March 2013
My Favorite Blogs.


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POV of Sakura Fukui getting fucked doggy
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Do you ever get that feeling? Maybe I should clarify. You wake up one morning after a sound 8 hours of sleep, but you still just feel overwhelmed and plain tired. This was the status message I recently posted on Facebook.
Moving across the country and adjusting to a new community is exhausting. There are boxes to unpack, a home to organize, new people to meet, new places to see and a whole new set of roads to learn how to drive on. Plus add five crazy kids and a husband who is hardly ever home and you get my Facebook status.
I just want to be left alone. I am sick and tired of people telling me what to do, how to raise my kids, how to unpack or not unpack my boxes for my new home. I am beat and I just want to do things my way.
Today I finally got Goose registered for school. We still have outstanding fees to pay at her old school so they were unable to send her official transcript to the new school, but she has a schedule and is ready to start on August 25. However, I had to take my four naughty little kids along. I let them play with their kindles and two out of four kids behaved.
At that meeting which lasted an hour we learned that Goose has to be back on Wednesday. In the morning between 7am and noon she has to go to new student orientation and in the afternoon she has to go to late registration. Hopefully, I can just drop her off and leave the little ones at home. If not then Grandma and Grandpa have to drive down to watch them.
My mom wants me to call the church and find a babysitter for Wednesday morning. She said that the church should have a list of available babysitters in the area. The problem is, I don't have money to pay a sitter nor the time and energy to make one more phone call. I am sick and tired of people telling me what to do. I just want to do things my way. Wait, I think I may have already said that.
I need to take things one step at a time otherwise I get overwhelmed and depressed. I can only handle so much at once and I made one hell of a lot of phone calls this morning. Locking myself in my bedroom to make more phone calls is not on the agenda.
Tomorrow I need to search for doctors' clinics in Crystal Lake that accept the state health insurance. In the State of Illinois kids have to have physicals and forms filled out by Illinois registered physicians before they can go to school. New families to the state have 30 days to get these health forms turned in to their childrens' schools. We got approved for health insurance. Now it is time to find a doctor.
Maybe I will be less tired tomorrow and won't mind hanging out with my children.
Aug 18, 2014
I Just Want to Be Left Alone
Cascia Talbert is a blogger, publisher and mother of five living in the Chicago suburbs. She blogs at healthymomsmagazine.net and talbertzoo.com. She is also the founder of Healthy Moms Social a network for healthy lifestyle mom bloggers. (healthymoms-social.com)
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Norwich defender Sebastien Bassong says the Canaries have to believe they can still beat the drop starting against Manchester United.
Alex Neil's men are rooted in the relegation zone following last weekend's defeat against Arsenal, and they face another tough encounter against Manchester United on Saturday.
However the Canaries can take heart from their 2-1 win at Old Trafford earlier in the season and Bassong is calling for much of the same this weekend.
"That win at Old Trafford was a long time ago now and it was a good thing," said Bassong. "When you think back to the first time we played them this season, we won away. So we expect at least the same performance, spirit-wise.
"We'll be ready for it. And as we did at Arsenal, we're going to give everything and we'll see what comes out of the game.
"We had better be confident because if you don't believe, if you don't think you're capable of doing it, we'd rather stop right now.
"So let's believe. We all believe. Even if people are writing us down, that's just speculation. Football is still our last resource, so we'll see what's going to happen."


text: Woman Hit by Utah Police K-9 'Driver' Gets $300K Posted: Wednesday, April 2, 2008 Updated: April 2nd, 2008 09:07 AM PDT The Associated Press OGDEN, Utah -- A police dog put a pickup truck into gear, injuring a woman on her way to the mailbox in an incident that has ended with a $300,000 settlement. "She suffered some serious injuries in an accident that was not foreseeable," Ogden city attorney Gary Williams said Monday. "We think it was a fair resolution." Mary Frances Stone, 43, was walking to her mailbox in July 2006 when she was hit by a 1990 Ford pickup truck assigned to Officer Taylor Finder. Ranger, a German shepherd, was in the bed of the idling truck but jumped into the front seat through a sliding door and somehow knocked the automatic transmission into gear, police said. Stone, who had a broken pelvis, had asked for $580,000 but settled with the city's insurer for $300,000. "I would like to get more. ... If my car had hit a cop, I would be in jail," she said Monday. Police Chief Jon Greiner was sympathetic. "It's too bad she suffered injuries as a result of this," he said. Finder and other officers were responding to a call in Stone's neighborhood when the truck hit her. He wasn't disciplined. He declined to comment on the settlement. ___ Sounds like the cop was already being disciplined, driving a 1990 pickup?


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I'm getting fitted for contacts tomorrow and am wondering to go with regular or multifocal. I have heard people hate that but that was only from one source. I'd like other opinions.
sort by best latest
Don't care for them either, Anastasia. For one thing they make night driving less clearly visible. Nor did they help much with reading. My myopia isn't too bad so I can get by without contacts during the day unless driving of course. Depending on your insurance and all that you might want to just try some samples first before ordering your years supply of the regular or multifocals.
You can help the HubPages community highlight top quality content by ranking this answer up or down.
Esme, the only one who is going to be able to answer that is you. Other people's experiences with specific contact lenses are just that--their experiences. Everyone's eyes are different. Some people, like me, with presbyopia and a lot of astigmatism, are lucky if they can find any kind of contacts to wear at all. I wound up choosing monovision. That is one contact lens in one eye for distance; one contact in the other eye for reading/up close. But before that I had tried on toric bifocals and daily multifocals. To be fair to all lenses I tried, I also have intense dry eye and after about 5 minutes any lenses I put in my eyes dry out completely. I only wear the lenses for weddings and special occasions, if even then.
Your optometrist or ophthalmologist should be willing to work with you consistently and try many different lenses on you based on the condition of YOUR eyes and on what you are looking to use the contacts for every day. Do you wear glasses now? Do you need vision correction at all times? Do you only need correction for reading? Do you need correction for distance or up close? Will you only be using them for occasions when glasses would mess up your look, like parties or special events?
Make sure and let your eye doctor know what it is you are looking to use the contacts for. And be honest with them as they try different lenses on you. Don't settle for lenses that are not completely comfortable on your eyes. Me? I can't wear them much at all. I hope your experience is different. Good luck with your contacts!
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Item added to your shopping bag
- Description
DetailsDuresta Sasha Grand Chair, Upholstered in Jura Stripe Peony. Range 8 Fabric
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Additional Information
Product Code: DUR313251 Brand: Duresta Collection: Sasha Handmade: Yes Quick ship item: Yes Furniture Type: Armchair
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6 Months (0.00000000% APR Representative for 6 months) 10 Months (0.00000000% APR Representative for 10 months) Deposit Amount - 10 Monthly payments of - 10% APR (representative) Total Credit - Interest Payable - Total Amount Payable -
Interest free credit is provided at 0% APR Representative. Total amount payable includes deposit amount. The figures shown are an illustration based on the cost of goods. Final details including shipping and discounts where applicable will be displayed on the cart page
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text: Seller: legendarysalesmanantiques (584) 100%, Location: Cacem, Cacem, Ships to: Worldwide, Item: 162282180374 Antique Vintage Original four Iron Handles Beautiful Design Size : 10.5 cm x 7.5 cm \ 49⁄64 inch x 261⁄64inch Length screw to insert on the wood : 4 cm \ 137⁄64 inch Well protected and tracking number. For Shipping Charges for other countries, please, contact the seller. Bidders from outside the European Union are welcome. Appreciate feedback soon as you get the item. THANKS FOR LOOKING AND GOOD BIDDING CHECK OUT MY OTHER ANTIQUES COLLECTIBLES ITEMS !!!


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Whirlpool appliances have been around for over 100 years and we are Whirlpool specialists.
We have over 40+ years of experience in repairing their appliances and our close relationship with them means we have access to the latest updates as and when they come out, so our engineers are always aware of the latest information.
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Whirlpool's beginning was based on the business failure of one family. In 1908, Lou Upton invested all his savings to venture into manufacturing household equipment. When the company failed to materialise he was offered the opportunity to select something of value from the failed venture as a return on his initial investment. Upton chose the patents on a hand washing machine which he thought he could develop into something more.
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Customer service very good and staff are helpful and professional. Will definitely use again.


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Founded in 1994, the Paris Jazz Festival is a series of jazz concerts held throughout June and July, ensuring a great soundtrack to every Parisian summer! Set in the beautiful surroundings of the Parc Floral de Paris, a colourful botanic garden in the Bois de Vincennes area of the city, there's certainly something soothing about listening to jazz in the great outdoors. Now attracting over 110,000 visitors annually, its focus is on giving a platform to the emerging French jazz scene. That's not to way that it doesn't welcome international performers too - in the past overseas talents such as Manu Dibango and Gregory Porter have graced its stage.
If you're flying in to France to check out the Paris Jazz Festival, your nearest airports are Charles de Gaulle and Orly. From there, head into the city centre via the metro or the RER network express train. The festival is located in the Bois de Vincennes which you can get to by taking the métro to Château de Vincennes station or the RER to Vincennes. The festival is open from 9.30am to 8pm. Entry is a very reasonable €3 if you're aged between 7 and 25 and €6 if you're older. Children under 7 get in for free.
If you're planning on attending for more than one day, it may be worth your while buying a season pass for €22 per adult (25 and over) and €11 per person aged between 7 and 25. Note that there are also various free concerts which take place - please check the official website for details.
It's definitely a good idea to keep your eye on the official website as new acts are announced for the 2017 season - last year saw a fusion of jazz from around the globe with acts showcasing everything from Armenian soul to Caribbean flamenco and artists from Havana to Brussels.
Get the best out of your trip to Paris by making sure you stay in the perfect rental accommodation for you. At Eventful Stays, you have the choice of staying penthouses, studios, apartments, townhouses, boats and many more, all in the very centre of the city. Check out our accommodation in Paris.
If you're travelling to Paris to sample the sounds of the Paris Jazz Festival, make sure you take some time to check out some of the other sights that this great city has to offer: immerse yourself in the masterpieces at the Louvre Museum; see the city from the water and take a cruise on the Seine; and see the iconic can-can for yourself at the Moulin Rouge!
To find out further information about the Paris Jazz Festival, please head to the official festival website, where you'll be able to find out more about the history of the event, the botanic garden, the Parc Floral de Paris in the Bois de Vincennes, reviews, workshops and details of the 2018 line-up.
If you own a home, apartment, B&B, boat, studio or any type of private acommodation in Paris, you can rent it out and earn extra income with Eventful Stays. List your accommodation today and pay zero commission on the world's largest event platform.


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Pictures from this years Emmy Awards have been added to the gallery.
Emmy Awards
TCA Panel Pictures
I've added 7 more pictures from the TCA Tour to the gallery. These are of the actual panel itself, not Teri arriving.
By Krystle on September 06, 2008 under Gallery • 0 comments
Desperate Housewives Season 5 Promotional Photos
First let me introduce myself! My name is Samantha, I have been running TeriHatcherWeb.com since 2006. Krystle and Hayley are letting me co-web here so Teri Hatcher Web will be merging with THO.
Now for the update. Some promotional photos for Season 5 of Desperate Housewives have been released. I added them into our gallery.


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|26 Jun 2013
BSOD while playing games, error 0x00000116
While playing games (NBA 2k13, Minecraft, FIFA 13) I get a BSOD around 10 minutes in. My screen goes black and I have to reboot my PC. When I check what the cause is, the name "dxgkrnl.sys" comes up.
Attachment 274132
|My System Specs
|26 Jun 2013
I think I fixed it. I've been playing Minecraft for 2 hours now and no Blue Screen yet. All I did was downgrade my graphics card.
|My System Specs
|26 Jun 2013
I tried playing NBA 2k13 and crashed within 5 minutes. This time there were no dump files just a crash and reboot. Any help/suggestions?
|My System Specs
|Thread Tools
|Similar help and support threads
BSOD Playing games on Steam, error 0x00000116
I'm getting blue screens when playing games on steam. The games I've noticed it on are: Skyrim Loadout Sleeping Dogs DmC Devil May Cry Shadow Warrior According to BlueScreenView the cause for the last few crashes is dxgkrnl.sys, and has previously been atikmpag.sys. As far as I know the...
|BSOD Help and Support
BSOD playing games or otherwise, error 0x00000116
Since this thread is hanging on both the BDoS relevance and hardware/software/graphics cards sections I have been trying to decide where I should post it. I've eventually decided to post it in the BDoS section. If users or staff should find this topic inappropriate in this location I'd have it...
|BSOD Help and Support
BSOD playing games 0x00000116 error
Hey there guys.Im having a problem here,that every time i play any bigger game (Games like Skyrim,Far Cry 3,Mafia II etc.) i get bluescreen.I suspect its because of my graphic card (Nvidia Geforce GT 540M,310.90 driver).Im not much into the topic of this kinda stuff,so i dont know what in the hell...
BSOD playing flash games error 0x00000116
I keep getting the BSOD error when playing flash games online. I play other games, disk, steam etc. and it seems fine, and Its never happened when not using flash, e.g on the desktop. Im attaching a minidump file so you can have a look at it. Please help. I cant really confirm the flash only part,...
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BSOD playing games, error 0x00000116
Recently started playing Mass Effect 2 it was working fine for the first 30 mins. But when he wakes up and picks up his weapon the screen turns off and its becomes unresponsive and the speakers produce a high pitched sound and sometimes the GPU fan sound like it going at 100%. This also happens...
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text: http://www.swtor.com/galactic-starfighter TAKE YOUR BATTLE TO SPACE! Experience epic Player-vs-Player (PvP) dogfighting in the new Free-to-Play Star Wars™: The Old Republic™ Digital Expansion, Galactic Starfighter. Join 12v12 free flight combat action and jump into fierce factional battles as the war between the Sith Empire and the Galactic Republic explodes into space. Compete and advance to earn ground game rewards plus new weapons, powers and abilities to customize your ultimate Starfighter! SPECIAL LIMITED TIME OFFER Subscribers as of November 1, 2013, qualify for the following bonuses: Exclusive Gunship "Daring" Paint Jobs with Early Gunship Unlock - plus all Subscriber Early Access Rewards*! SUBSCRIBER EARLY ACCESS BEGINS: DECEMBER 3, 2013 Subscriber Early Access Rewards (December 3, 2013 - January 13, 2014) Early Access Starting December 3 Exclusive Gunship "Daring" Paint Jobs with Early Gunship Role Unlock Only available to Subscribers who were also Subscribers on November 1, 2013 Strike Fighter "Valiant" Paint Jobs Scout "Valiant" Paint Jobs Imperial Battle Ace and Republic Squadron Commander Pilot Suits In-Game Titles: "First Galactic Starfighter" and "Test Pilot" Maximum leveling and progression PREFERRED EARLY ACCESS BEGINS: JANUARY 14, 2014 Preferred Status Early Access Rewards (January 14, 2014 – February 3, 2014) Early Access Starting January 14 Imperial Battle Ace Pilot Suit Republic Squadron Commander Pilot Suit In-Game Title: "Test Pilot" Also available to Subscribers during this period. FREE-TO-PLAY ACCESS BEGINS: FEBRUARY 4, 2014 Free-to-Play Access Rewards (February 4, 2014 – Ongoing) Imperial Battle Ace Pilot Suit Republic Squadron Commander Pilot Suit Available to all players with a SWTOR account during this period.


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GraphicRiver Education Banners Bundle 3 Sets 8540600
Category: Web Element | Comment: ( 0 )
GraphicRiver Education Banners Bundle 3 Sets 8540600
Web Element \ Banners & Ads
Banner \ Design \ Adwords \ Banners \ Sales \ Promotions \ Purpose \ Multi \ School
Web Element - Education Banners Bundle 3 Sets 8540600 by BannerDesignCo @ GraphicRiver
Web Element \ Banners & Ads
Graphics Files Included: Photoshop PSD; High Resolution: Yes; Layered: Yes; Minimum Adobe CS Version: CS3.
Promote your Products and services related to education niche with this great looking Banner Set bundle.
This bundle contains the following banner sets.
set-1 http://graphicriver.net/item/kids-education-banners/7641637
set-2 http://graphicriver.net/item/education-institute-banners/8154451
set-3 http://graphicriver.net/item/college-education-banners/7678986
48 awesome quality banner template PSD files (3 designs x 16 sizes) ready for your Services, products, campaigns.Each PSD files are layered and fully organized. You can use this banners for google adwords too. ( All google adwords banner sizes included)
The package also contains a help file & Editable PSDs.
Image is not included. Images can be purchased from PhotoDune.
Corporate Banners Bundle - 3 Sets; Business Banners; Health Care Banner Bundle - 4 Sets; Web Hosting Banner Bundle - 3 sets; Education Banner Set Bundle - 4 sets; Fashion Sale Banners; Retail Sale Banners.
Keywords: adwords banners, animated banner, banner pack, banner set, banners, business, college, coupon, deal, discount, education, flat design, gif banner, google adwords, marketing, metro design, multi purpose, promotions, sales, school, social media, student, studio, study, web banner.


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Majestic Life Of Queen Elizabeth II; The
Royalty is a mixture of myth and reality - a fairytale coming together with living history. Since her accession to the British throne in 1952, Queen Elizabeth II has embodied this combination by simultaneously serving as her country's most public figure and its leading enigma. Featuring interviews with royal biographers, historians, and Queen Elizabeth herself, THE MAJESTIC LIFE OF QUEEN ELIZABETH II reveals the true story of how a young princess became a great queen.
- program length: 90 minutes


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Over 1.8 million nonprofits and charities for donors, volunteers and funders
Causes: Animals, Environment, Land Resources Conservation, Natural Resources Conservation & Protection, Wildlife Preservation & Protection
Mission: CSERC''s mission is to protect water, wildlife, and wild places across the Northern Yosemite region. CSERC also works to raise environmental awareness through educational programs that reach 1,000''s of young people each year.
Geographic areas served: the Northern Yosemite region of the Sierra Nevada mountains.
Programs: CSERC works to defend water quality and watershed resources across the vast Northern Yosemite region by engaging in all major management plans, development projects, timber sales, road projects, herbicide spray projects, water diversions, and other potential sources of pollution or degradation for water resources across this region.


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Most of us know that a meal from a can or a microwave is not as healthy and healthy as a fresh homemade one, but have you ever questioned why this is true? The plain truth is that there are lots of factors for this consisting of a great deal of unhealthy active ingredients that are utilized in the preparation of canned foods packed in a healthy can that made by a high quality can sealing machine.
The main reasons canned meals are so popular is that they are easy to prepare, very cost effective and they will keep a very long time. Individuals have the tendency to save their canned food for day when they have actually striven and got home late or when they remain in a rush to go someplace and do not have time to prepare a home cooked meal. They likewise like the concept that they will not have to invest a lot of time later on doing a big mess of filthy dishes.
There is actually nothing wrong with consuming a canned meal from time to time, however when we start to consume them on a regular basis, it can become an issue for us and here are a couple of reasons why this is true.
First and foremost, most of canned foods crammed in a healthy can that made by a high quality can sealing machine consist of large quantities of sodium or as we may know it, salt. Salt is an essential component in sustaining the shelf life of the item and it enables it to remain edible for a long period of time. It is also used to improve the taste of the product and it makes up for the lack of fresh active ingredients that you would normally utilize if you were preparing a home prepared meal. The problem is that if you consume great deals of meals from cans, you will exceed your RDA limits for salt (1,500 milligrams) and put yourself at risk for developing hypertension and heart problem. There are some canned meals which contain lower sodium quantities and they are much better and more healthy for your body if you decide to consume them.
Another downside to consuming canned foods crammed in a healthful can makinged by a high quality can sealing machine is that they consist of high amounts of fructose corn syrup. This might be listed on the food as corn syrup, corn sweetener or corn syrup solids. It is utilized as a sweetening agent in the item. The bad news is that it can increase your possibilities for establishing diabetes, trigger infection, lead to low chromium which helps control cholesterol and insulin and can make you eat more than you should consume because the corn syrup flags an insulin response which consumes your available sugar without it being changed as it typically would be.
Bisphenol A is another component that is used in canned foods to extend its life span. This is likewise called BPA and has actually been going through medical trials to determine its safety. In a research study conducted by the National Institute of Environmental Health back in 2007, it was suggested that it might be linked to irregular brain development in developing kids and pregnant moms. It would be a wise relocation for people in these groups to avoid consuming big quantities of canned foods packed in a healthy can that made by a high quality can sealing machine.
I hope that you discovered this information helpful and if you would like more details on methods to live healthy, then please visit my eating healthy website where you will discover excellent info to assist you live a long and healthy life.If you are looking for more information on can sealing machine, please visit: http://www.jxblet.com.


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While the rest of us wish we could have visited NYC for Fashion Week, we'll just have to live vicariously through the photos of those lucky enough to have been there in person. Fortunately, a few Blanche Macdonald grads and instructors were able to take a few bites from the Big Apple and they've been kind enough to share some fun pics to satisfy our travel cravings!
Remember our incredibly talented makeup grads Sladja Markovic and Sherry Chen who battled it out back in November and became the only Canadian official 2011 Sephora PRO Beauty Artists? Well, they've been jetting in and out of Canada ever since! Amongst the whirlwind of fun and excitement, these beauty experts bundled up and showcased their talents at New York Fashion Week!! But, of course, not without a little bit of sight seeing, shopping and great eats. One of the judges from the competition, Beauty Editor Emily Dougherty of ELLE Magazine, even invited the Sephora Pros to tour ELLE's headquarters, which included a visit to their "beauty closet" which pretty much consisted of jaw-dropping wall to wall shelves of the latest beauty products. If two Sephora Pros were in awe, how amazing must it be for the rest of us?
In between, the Pro team trained at the LVMH Headquarters and learned how to mix mediums at the Make Up For Ever Academy. Fun stuff. Extending the eyebrows in both directions (as you can see in the bottom right beauty shot) is one of the next trends in the makeup scene. And as for NYFW, our girls were in arms reach of many celebs and had an amazing time hanging out and working with their Sephora PRO team members backstage for the Edun, Charlotte Ronson, Dennis Basso and Cynthia Steffe runways!
Plus, Blanche Macdonald's Esthetics Goddess, Barb B, won a trip to New York City (lucky lady!!!) and took our brilliant Fashion Queen Peggy with her! For walking fashion encyclopedias like Peggy, no trip to NYC could be complete without hitting up some the shops of some of the world's most respected fashion labels. Gotta love how fun they are! Bright, whimsical balloons at Lanvin, tons of hearts on the doors and light fixtures of Moschino (feel the love!), gorgeous flower headed mannequins at Stella McCartney (the dark purple one is Iris!), a fun red stairway right next to the Opening Ceremony shop (which is probably the most welcoming flight of steps ever!) and butterflies at McQueen's! And of course, Peggy and Barb showed their Canadian support to Aritzia and made a visit to their fab temp space – "The Shop Before the Shop". There's Peggy with Aritzia's Senior Manager of Retail Marketing Vivian who sent that photo over to Aritzia's Creative Director and Designer, Yumi Eto, right then and there!
Oh, who am I kidding… these pics just make me want to take the next red-eye flight!
Thanks a lot Sherry, Sladja, Barb and Peggy!


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Ris # 1 martedì 09/09/14. Rispondete alle domande in frasi complete Come ti chiami? Qual è il tuo cognome? Dove abiti?. Ris # 2 mercoledì 10/09/14. Rispondete alle domande in frasi complete Come sei ? Quanto anni hai ?. Ris # 3 giovedì 11/09/14.
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Rispondete alle domande in frasi complete
Rispondetealledomande in frasi complete
Match up the letters with what they sound like
Fill in the blank
Answer the following questions
What would you say in the following situations in Italian?
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Match the following.
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Judith Richard
Listed by Perfect Choice Properties, Inc.
Property is owned by the US Dept of HUD Case #341-095177 UI, property qualifies for FHA's 203k financing subject to an FHA appraisal. Seller can contribute up to 3% toward buyer's closing cost MUST BE REQUESTED AT TIME OF BID SUBMISSION. Seller nor agent makes any representations or warranties. 2 bedrooms 1 bath open concept. EQUAL HOUSING OPPORTUNITY.
Date Showings Begin:
Delayed Showing: No


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SOLD - 2 Chesterfield Drive in "Warren Chase" Warren, NJ
2 Chesterfield Drive in "Warren Chase" Warren, NJ
This featured home is located in desirable Warren Chase of Warren, NJ . Loaded with
magnificent detail and upgrades, this home has a maid's quarters with a full bath and private entrance. The two-story entry foyer features a powder room, coat closet and a beautiful staircase leading up to a second-story sitting room. The kitchen has corian and granite counters, hardwood floors and many other top of the line ammenities. Just off the kitchen is the glorious, four-season sunroom with double French doors, tiled floors and skylights. The cozy and bright family room features a wood burning fireplace with recessed lights, a wet bar, and floor to ceiling windows. The formal dining room and formal living room are radiant with natural light, hardwood floors and a gas fireplace in the dining room.
The second floor features a comfortable sitting room with views of the two-story dining area and foyer. There are four large bedrooms and three bathrooms. The master suite features a vaulted ceiling, large walk-in closet, master bath with a Jacuzzi and a sitting room.
In addition, this luxurious home has deck views of a private backyard that is partially wooded as well as a brick patio. The lot size is nearly one acre and professionally landscaped.


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Eric Roberts
Oscar-nominated Eric Roberts –best known for his roles as former CIA agent James Munroe in The Expendables, and Gotham City's crime boss, Salvatore Maroni, in The Dark Night—is in the height of a highly prolific entertainment career. He's appeared in nearly three-hundred titles to-date and has more than fifty titles in production.
Roberts was born into a family of thespians. His father, Walter Roberts, founded a theater company in which Eric began acting at the age of five. From there, Roberts underwent classical training in London for two years at the Royal Academy of Dramatic Arts and continued his dramatic education at the American Academy in New York. Eric is the older brother of Julia Roberts and Lisa Roberts Gillan.
A career that started on stage and in soap operas rapidly evolved into a high profile pursuit when he landed a major role in the film King of the Gypsies in 1978. In this film, he starred alongside an incredibly talented cast including Susan Sarandon and Shelly Winters. His performance earned him a Golden Globe nomination and solidified his place in Hollywood. He began landing role after role and in 1983 he earned his second Golden Globe nomination for his performance in Star 80. During his career he's received no less than 9 critical award nominations alongside five wins, including a one-time nomination for an Academy Award for Best Actor in a Supporting Role and three Golden Globe nominations.
Often portraying villains, Roberts is known for his ability to plunge into the psyche of his characters and explore and convey their depth. In addition to acting, Roberts is the Executive Producer of a television series, Vegan 101, which is a comedic parody of the vegan lifestyle. His experience on and off screen will be invaluable to his team on The Reel Deal.
01Nominated for both an Oscar and Golden Globe for Best Actor in a Supporting Role for "Runaway Train". In total, has 5 award wins and 9 nominations.
02He is the sixth, and only non-British, actor to play The Master, the Doctor's greatest enemy in "Doctor Who". And the only actor to play a villain in both the Batman and Doctor Who franchises.
03To date he has filmed over 300 projects in over 17 countries.


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Mothers DayPosted on Mar 6, 2013 in Uncategorized | 0 comments Need ideas for Mother's Day but a bit strapped for cash- the market has some great gift baskets, cards, jewellery and a chef with some gorgeous cakes – call in the at weekend and spoil your mum- she's worth it !!!!!
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All the information you need in one place! Each Study Brief is a summary of one specific subject; facts, figures, and explanations to help you learn faster.
List price: $188.00Edition: 6thCopyright year: 2004Publisher: Wolters Kluwer Law & BusinessPublication date: 8/4/2004Binding: HardcoverPages: 902Size: 7.25" wide x 10.25" long x 1.00" tall Weight: 2.948Language: English
Joseph E. Stiglitz is a University Professor at Columbia University and former chief economist and senior vice president of the World Bank. Among his books are Escaping the Resource Curseand Globalization and Its Discontents, which has been translated into twenty-eight languages. In 2001, he was awarded the Nobel Prize in economics.Aaron S. Edlin is the Richard Jennings Professor at the University of California, Berkeley, and holds professorships in both economics and law. He is also a research associate at the National Bureau of Economic Research. Formerly, he was the senior economist covering regulation, antitrust, and industrial organization on the President's Council of Economic Advisors. Bradford DeLong is a professor of economics at the University of California, Berkeley and a former deputy assistant secretary for economic policy in the United States Treasury. A popular economist blogger, he specializes in macroeconomic policy and economic history.
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Economic analysis has become so complicated in the global economy. A popular internet based investment e-letter reaches hundreds of thousands of people each day was founded on the idea of providing timely analysis of the economy to the investors. It is getting difficult to digest all the information to simple, understandable kind of format without actually making it really complicated with so much of financial information coming to the investors nowadays.
This is known as Profit confidential. They take the economic data that is churned out daily and analyze it then put the spin on it and deliver understandable data that is even fun to read. Economic geography- the economic investigation is based on the geographic positioning, allocation, and association of behavior, known as economic geography.
It is a vast subject to understand the topic completely and it can be studied individually for a country or across the world with implications of economic as well as geographic principles. Today, the economists are advancing rapidly with an outlook of economic principles. The concept is very significant for the advanced and developed nations such as the United States of America.
It helps the economists to understand the economy of a country and also compare and relate to the other significant countries of the world in regards to the economy. The researchers have developed and explored different methods to study the economic geography of a country in various fields that are not restrained by the mode of gender, transportation, ethnicity, etc.


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GraphicRiver Saint Patricks Day Background with Clover Leaves 7039993
Stock Vector \ Conceptual \ Seasons \ Holidays \ Miscellaneous
Patrick \ Leaves \ Background \ Clover \ Formats \ Bucket \ Layered \ Graphicriver
Stock Vector - Saint Patricks Day Background with Clover Leaves 7039993 by almoond @ GraphicRiver
Stock Vector \ Conceptual \ Seasons \ Holidays \ Miscellaneous
Saint Patrick Day background with clover leaves green hat and gold coins in a cauldron.
Fully editable, vector objects separated and grouped, gradient mesh used. If you need a layered PSD (Ai or any other file formats.) write it in the comments or send me an e-mail through this page: http://graphicriver.net/user/almoond
Layered: No; Graphics Files Included: JPG Image, Vector EPS; Minimum Adobe CS Version: CS.
Christmas Background with a Retro Wooden Sign; Christmas Tree with Presents Background; Winter Landscape with a Wooden Sign; Christmas Gift Boxes in Snow; Christmas Presents on a Sleigh and a Santa Hat; Three Christmas Banners with Presents and Sleigh; Christmas Background with Branches and a Garland.
Keywords: background, bucket, card, clover, color, day, floral, folk, gold, green, hat, hatter, irish, leaf, leaves, lucky, magic, nobody, old, page, paper, patric, patrick, patty, retro, roll, saint, scroll, sign, tape.


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Wouter Geerts
Last quote by Wouter Geerts
Christmas markets are a big attraction for German cities, including Berlin, and this attack will no doubt impact the amount of visitors for the remainder of this year.feedback
Dec 20 2016 Christmas
Wouter Geerts has been quoted 5 times. The two most recent articles where Wouter Geerts has been quoted are China to have a theme-park boom, with Disney, Nanchang Wanda facing competition and Big economic boost expected as Night Tube kicks off in London. Most recently, Wouter Geerts was quoted as having said, "Wanda has been very vocal about Disney being unable to break [into] the Chinese market but it seems that Wanda is having issues themselves.".
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Quotes by Wouter Geerts
Nov 08 2016
Wanda has been very vocal about Disney being unable to break [into] the Chinese market but it seems that Wanda is having issues themselves.feedback
Aug 19 2016
The capital offers a wide variety of attractions which are supported by an extensive transport system, ensuring that tourists can get around easily. While the night tube is a positive development for the city, it is not expected that this alone will draw in more tourists.feedback
Aug 08 2016
Travel is a very resilient industry, so even though there are some downward trends in certain areas, other countries are performing very well.feedback
Nov 03 2015
Marriott and Hilton are very U.S. focused, it's clear they need to invest in China, Asia, Latin America.feedback
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Gangplank Build Guide by pwatts
Not Updated For Current Season
This guide has not yet been updated for the current season. Please keep this in mind while reading. You can see the most recently updated guides on the browse guides page.
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Gangplank Build
Starting items for lots of early game damage
Starting items if you want to rush phage
Lots of mobility
Starting items great for trading and good against
Starting items good against poke champs and ap
First purchases
First purchases
First purchases
First purchases
First purchases
Damage Items (look at notes)
Ability Sequence
Not Updated For Current Season
The masteries shown here are not yet updated for the current season, the guide author needs to set up the new masteries. As such, they will be different than the masteries you see in-game.
Gangplank is an incredibly strong top laner with the recent patch on trinity. His passive allows him to poke and force enemies out of lane. Your dueling potential is very high and you obtain tons of mobility and damage with trinity. The goal of Gangplank is to get early kills and snowball lane. Gangplank can scale into the late game and hyper carry a game only using a sword and a gun.
In early laning you will want to spam your parley. You must be careful because Gankplank is mana hungry early game. Conserve your mana and farm. Enage when they are low by activating your e and chasing.


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*Available on select models.
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Auto-detect your HMD (Head Mount Device), and optimize the PC for VR. Enable VR Ready with 1-Click.
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Alabarearr. Jeffrey Honore - Concordia Publishing House
The tune ALABARE, a popular Latin American title with the subtitle O Praise the Lord, is arranged here by Jeffrey Honore. Percussion shakers, hand drum, and wood block enhance the lively melody, while shakes, martellato lifts, and mallets from the handbells add to the joy and fun.
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Stiri Concerte Bilete Poze Artisti Tabs & Chords Versuri Radio Online Liste Magazin de Muzica
Versuri The Verve - The Sun, The Sea
Album: The Verve - The Verve Lyrics
I see I hear it's very clear
Because the day has come when you have won
It's myself I feel
She calls me calls me the sun the sea yeah
I know it's not for today
It's not for today, it's for you and me yeah you and me
Alone in my room you're there on the floor
Open up your eyes let me get inside
Learnt to love on TV
Learnt to love on TV
Can I help you?
Can I guide you?
It amazes me how I broke free
Then got brought back in
Cause when the feelings there shattered and scared
I know you've won goodbye I'm gone
Alone in my room, you're there on the floor
Open up your eyes let me get inside
Said you learnt to come on TV then hold on to me
Can I help you? Can I guide you?
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Fees & Passes
There is no fee to visit Canyon de Chelly National Monument! Feel free to visit the overlooks or hike the White House Trail on your own. Donations to the park can be made at the park store.
National Parks with an entrance fee will accept the official America the Beautiful pass. National Parks across the country also offer free entrance days during the year.
BACKCOUNTRY PERMITS & COTTONWOOD CAMPGROUND: The Navajo Parks and Recreation Department (NPRD) issues backcountry permits and manages the Cottonwood Campground. The NPRD office at entrance of the campground collects fees for backcountry permits and camping. Call 928-674-2106 for more information.
CANYON TOURS: Local private companies offer canyon tours along the canyon floor by hiking, horseback or vehicle. Tour operators must be contacted directly for rates and reservations. For a current listing of operators, contact the Navajo Parks and Recreation Department at 928-674-2106.
SPECIAL USE PERMITS: Special events such as weddings, large group events, and commercial filming or photography require a Special Use Permit that may include fees, liability insurance, security bond and even compliance clearance.
Last updated: January 6, 2017


text:
COMMUTERS are deserting a replacement bus service for the closed Tonsley rail line because they say it is unreliable, inefficient and poorly managed.
Patronage on the southwest route has slumped more than 95 per cent since the train line was closed on February 28, 2012.
About 1200 commuters used the Tonsley line daily during its weekday-only operation, before it was temporarily shelved to cut the number of trains using the Adelaide Railway Station during works at the Adelaide Convention Centre.
About 40 people a day were now using the replacement bus service, according to Transport Department figures.
Mitchell Park resident and commuter Damien Barnes said he stopped using the substitute service a month after it was put in place as it often ran more than 20 minutes late.
"After about a month it was simply more efficient to walk the 15 minutes to South Rd and catch an express bus," Mr Barnes said.
He said the substitute bus service had been poorly managed.
The substitute route picks up passengers at all Tonsley line stations until Clarence Park. Since last month's closure of the Noarlunga line, commuters transfer to another city-bound bus at Woodlands.
According to the Transport Department it now takes about 45 minutes to travel from Tonsley to the city, compared with the 26 minute trip on the train.
Tonsley commuter Roger Creed agreed the service was no longer the most efficient way to get to work and has stopped using it.
Jackie Donnellan, who lives next to the Tonsley train station, said she was forced to seek other alternatives.
"It's annoying that I have to walk five to 10 minutes to catch a reliable service when one is supposed to be stopping almost right outside my door," the Mitchell Park resident said.
Transport Minister Tom Koutsantonis reinforced the State Government's commitment to keeping the Tonsley line open.
A Transport Department spokeswoman said the department was committed to providing the replacement bus service until the Noarlunga line reopened in September.
For more news on the south-west, pick up a copy of the Guardian Messenger, read our digital edition online, or become a fan of our Facebook page.
Originally published as Commuters desert 'unreliable' Tonsley buses


text: Learn about this topic in these articles: Related Topics bacteria biology moneran vibrio classification in vibrio ...are of significance to humans: V. cholerae is the cause of cholera, and V. parahaemolyticus and V. vulnificus both act as agents of acute enteritis, or bacterial diarrhea. V. anguillarum is found in diseased eels and other fishes. Read More


text:
Edward J. Yoon's Blog
Technologies, Open Source & My life Story.
February 18, 2009
Naver storage hosting service, called 'N drive'
Naver internally work for online file sharing and storage service, called 'N drive' which is store large amounts of user files using OwFS (Ownership-based File System). I don't know exactly when it will open, But it's a clearly shows that NHN also started to deal with cloud-related problems.
Edward J. Yoon
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text:
There are many different types of stewardship. Brookside is committed to cultivating the biblical stewardship of wealth, time, and abilities within the community of believers. We believe that God has uniquely given each one of us various gifts and wants us to use them for his purposes. We encourage members to discover their gifts and help them find ways to use those gifts for ministry in God's kingdom.
For more information about these ministries, please contact our Member & Community Life Coordinator.


text:
Andreas Ekström
The moral bias behind your search results
1,415,181 views • 9:18
Subtitles in 33 languages
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Details About the talk
Search engines have become our most trusted sources of information and arbiters of truth. But can we ever get an unbiased search result? Swedish author and journalist Andreas Ekström argues that such a thing is a philosophical impossibility. In this thoughtful talk, he calls on us to strengthen the bonds between technology and the humanities, and he reminds us that behind every algorithm is a set of personal beliefs that no code can ever completely eradicate.
About the speaker
Andreas Ekström · Author and journalist
Andreas Ekström describes the power structures of the digital revolution.
Andreas Ekström describes the power structures of the digital revolution.


text:
Viagra is a drug that can help men of all ages achieve erections when they otherwise would not be able to. Viagra works by improving circulation and blood flow throughout the body including the penis, which means this drug really is not meant to be used by women. Men, on the other hand, can use the drug to treat the problem of erectile dysfunction. Therefore, Viagra may not be able to treat other conditions, if that is why you are considering taking it. Although Viagra can be quite beneficial, there are many potential adverse side effects of Viagra.
In controlled studies in which thousands of men were compared side by side by giving them Viagra versus a placebo, there was little or no difference in the number of men who reported severe adverse effects in the placebo versus the number of men who reported severe adverse effects in the Viagra. There were, however, some issues that arose by men who took Viagra that were not as prevalent in those who took the placebo.
Of those who took the Viagra in the study of thousands of men and who reported having adverse side effects, about 16 percent reported that they had headaches and they didn't believe they otherwise would have experienced. Another 10 percent of those studied that reported having adverse affects said they experienced a flushing feeling and redness in their cheeks after using the little blue pill.
Seven percent of those who claimed to have adverse effects from taking Viagra said they experienced dyspepsia, four percent said they had a nasal congestion, three percent said they had a urinary tract infection, three percent had abnormal vision, three percent had diarrhea, two percent said they experienced dizziness and two percent said they experienced a rash. Each of these issues was higher from the number of men who were given a placebo in the study. These were the main side effects reported by users of Viagra opposed to those who were given a placebo instead.
Keep in mind that the percentage of the thousands of men who said they experienced adverse side effects of Viagra is small. The percentage reported by the study was that 2.5 percent of those who took Viagra in the study reported some sort of adverse effect. The remaining 97.5 percent of those given Viagra reported no adverse effect. Medical experts tend to agree that this is a good percentage of error and that Viagra is a valuable drug to have on the market.
If you are concerned about the potential adverse side effects of Viagra, you should express those concerns to your physician before you start taking it. It is quite possible for users of Viagra to experience adverse side effects during use. If you are concerned about any particular side effect you are experiencing, tell your doctor immediately and ask him or her whether you should continue using the drug.
Viagra is a drug that can be a great asset for any man with erectile dysfunction to help him achieve an erection during sex. Viagra is meant to be a drug that can help men who otherwise can't achieve an erection to actually achieve an erection. This is viewed as a wonder drug by many users in this regard. If you have erectile dysfunction and believe you should be taking Viagra, talk with your doctor about the thought.
Viagra is being prescribed to more and more men with erectile dysfunction each year. If you want to start taking Viagra and believe it can help you, a conversation with your doctor is definitely in order. Viagra has worked for thousands of men, and it just might be your ticket to paradise. Viagra is a drug that is available only by prescription.


text:
"Annoyed and Frustrated"
About: North Manchester General Hospital North Manchester General Hospital Manchester M8 5RB
Posted via NHS Choices
My mum was admitted on 18/3/14 and was told she needed open heart surgery. 4 weeks later and still waiting to be admitted to MRI. Apparently, she is a priority case! Has promised she is first on the wait list for a bed but still nothing. She was told she had to be seen by a vascular surgeon and this should have been Friday but guess what, still no visit and it is now Monday!! She did have a bed at MRI last Friday but at the 11th hour it was taken by an emergency case. I have no complaints about the staff caring for her but we are beginning to feel that she is being left because of her age. At this rate, she'll be joining the staff on the Christmas party!!
Response from North Manchester General Hospital 3 years ago
We are sorry to read your comment regarding your visit to the Cardiology department at North Manchester General Hospital. If you wish to discuss your concerns, please contact the Patient Advice and Liaison Service (PALS) on 0161 604 5897 We will also forward your comment to the department manager.
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text:
Hey, old person! Hope you applied your Fixodent this morning, because this is gonna make your dentures pop out! It's about your favorite magazine in the world—no, not Reader's Digest, you old idiot! It's TV Guide! Jesus, you old people aren't only OLD, you're stupid!
Turn up your hearing aid, or stick one of those horns in your ear, because you're not going to believe what I'm about to tell you. As you know, TV Guide has been around since the Paleomontheolic era—or about the same time you were dancing the Charleston, playing the ukulele, and shouting bizarre old-people phrases like "23 skidooooo!" And for the most part, TV Guide has remained unchanged. Why? Because every time it makes the slightest adjustment to its format, old cranky farts like yourself bust a shriveled nut, shake your canes in the air, and vow never to read the magazine again.
Now, for most magazines this would be good news. Magazines are happy for their older readers to die, or be sent babbling away to nursing homes where they'll spend the remainder of their days staining sheets, drooling into cups, and accusing the black nurses of stealing the 37 cents they left atop their dressers. With old people out of the way, magazines like TV Guide can finally implement the format changes they've been dreaming of without any interference from Grandpa Nappy and the Adult Undergarments Gang.
That's why TV Guide has made the most sweeping change since its inception 4,756,000 years ago. Formally a "digest," the new TV Guide is now the size of your standard glossy magazine. And while it used to be composed almost entirely of TV listings, with a few pages devoted to Matlock, celebrity recipes, and the highly annoying "Cheers and Jeers," the NEW TV Guide is almost 100 pages of useless People-magazine-type featurettes with only 18 pages of listings. Fortunately for Grampy, the featurettes are printed in huge 24-point type (unfortunately, the listings are roughly the size of bee poop).
However, when TV Guide made these changes, the folks there forgot one thing—YOU AREN'T DEAD YET. In fact, you have almost 25 percent of your wits about you, which means you can still fire off lengthy letters telling TV Guide how much you hate its new format, how it's impossible to find a nice-fitting pair of trousers, how the Japanese can't be trusted, and how these sort of things didn't happen back in the good ol' days when an onion was still a nickel and you and your buddies marched over to Germany to give Uncle Adolph a right merry kick in the patoot!
So don't just sit there in your waste, old person! Get out your quill and write an argumentative and marginally disoriented letter telling TV Guide these newfangled changes WILL NOT STAND. And unless it returns to its previous digest format, you will cancel your subscription and continue to ramble on aimlessly about how you don't trust those fancy psychiatrists, how you'd like to take a peek inside Myrna Loy's bloomers, and how you can still drive an automobile just FINE thankyouverymuch. 23 skidooooo!


text:
Opportunity Identification and Pursuit: Does an Entrepreneur's Human Capital Matter?
No abstract is available for this item.
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As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.
Volume (Year): 30 (2008)
Issue (Month): 2 (February)
Pages: 153-173
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References listed on IDEAS
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- Niels Bosma & Mirjam van Praag & Roy Thurik & Gerrit de Wit, 2004.
"The Value of Human and Social Capital Investments for the Business Performance of Startups,"
Small Business Economics,
Springer, vol. 23(3), pages 227-236, October.
- Niels Bosma & Mirjam van Praag & Roy Thurik & Gerrit de Wit, 2002. "The Value of Human and Social Capital Investments for the Business Performance of Start-ups," Tinbergen Institute Discussion Papers 02-027/3, Tinbergen Institute.
- Gerrit de Wit & Niels Bosma & Roy Thurik & Mirjam van Praag, 2002. "The Value of Human and Social Capital Investments for the Business Performance of Startups," Scales Research Reports N200204, EIM Business and Policy Research.
- Chandler, Gaylen N. & Hanks, Steven H., 1998. "An examination of the substitutability of founders human and financial capital in emerging business ventures," Journal of Business Venturing, Elsevier, vol. 13(5), pages 353-369, September.
- Ardichvili, Alexander & Cardozo, Richard & Ray, Sourav, 2003. "A theory of entrepreneurial opportunity identification and development," Journal of Business Venturing, Elsevier, vol. 18(1), pages 105-123, January.
- Israel M. Kirzner, 1997. "Entrepreneurial Discovery and the Competitive Market Process: An Austrian Approach," Journal of Economic Literature, American Economic Association, vol. 35(1), pages 60-85, March.
- Edward P. Lazear, 2004. "Balanced Skills and Entrepreneurship," American Economic Review, American Economic Association, vol. 94(2), pages 208-211, May.
- Cressy, Robert, 1996. "Are Business Startups Debt-Rationed?," Economic Journal, Royal Economic Society, vol. 106(438), pages 1253-1270, September.
- Parker, Simon C. & van Praag, C. Mirjam, 2006. "Schooling, Capital Constraints, and Entrepreneurial Performance: The Endogenous Triangle," Journal of Business & Economic Statistics, American Statistical Association, vol. 24, pages 416-431, October.
- Hausman, Jerry, 2015. "Specification tests in econometrics," Applied Econometrics, Publishing House "SINERGIA PRESS", vol. 38(2), pages 112-134.
- Hausman, Jerry A, 1978. "Specification Tests in Econometrics," Econometrica, Econometric Society, vol. 46(6), pages 1251-1271, November.
- J. A. Hausman, 1976. "Specification Tests in Econometrics," Working papers 185, Massachusetts Institute of Technology (MIT), Department of Economics.
- Iyigun, Murat F & Owen, Ann L, 1998. "Risk, Entrepreneurship, and Human-Capital Accumulation," American Economic Review, American Economic Association, vol. 88(2), pages 454-457, May.
- Murat F. Iyigun & Ann L. Owen, 1997. "Risk, entrepreneurship and human capital accumulation," Finance and Economics Discussion Series 1997-37, Board of Governors of the Federal Reserve System (U.S.).
- Davidsson, Per & Honig, Benson, 2003. "The role of social and human capital among nascent entrepreneurs," Journal of Business Venturing, Elsevier, vol. 18(3), pages 301-331, May.
- Otani, Kiyoshi, 1996. "A Human Capital Approach to Entrepreneurial Capacity," Economica, London School of Economics and Political Science, vol. 63(250), pages 273-289, May.
- Jovanovic, Boyan, 1982. "Selection and the Evolution of Industry," Econometrica, Econometric Society, vol. 50(3), pages 649-670, May.
- Cooper, Arnold C. & Folta, Timothy B. & Woo, Carolyn, 1995. "Entrepreneurial information search," Journal of Business Venturing, Elsevier, vol. 10(2), pages 107-120, March.
- Blackburn, McKinley L & Neumark, David, 1993. "Omitted-Ability Bias and the Increase in the Return to Schooling," Journal of Labor Economics, University of Chicago Press, vol. 11(3), pages 521-544, July.
- McKinley L. Blackburn & David Neumark, 1991. "Omitted-Ability Bias and the Increase in the Return to Schooling," NBER Working Papers 3693, National Bureau of Economic Research, Inc.
- Bates, Timothy, 1990. "Entrepreneur Human Capital Inputs and Small Business Longevity," The Review of Economics and Statistics, MIT Press, vol. 72(4), pages 551-559, November.
- Francesco Ferrante, 2005. "Revealing Entrepreneurial Talent," Small Business Economics, Springer, vol. 25(2), pages 159-174, 09.
- Loasby, Brian J., 1998. "The organisation of capabilities," Journal of Economic Behavior & Organization, Elsevier, vol. 35(2), pages 139-160, April.
- Brian J. Loasby, "undated". "The Organisation of Capabilities," Working Papers Series 96/6, University of Stirling, Division of Economics.
- Fama, Eugene F & Jensen, Michael C, 1983. "Separation of Ownership and Control," Journal of Law and Economics, University of Chicago Press, vol. 26(2), pages 301-325, June.
- Evans, David S & Leighton, Linda S, 1989. "Some Empirical Aspects of Entrepreneurship," American Economic Review, American Economic Association, vol. 79(3), pages 519-535, June.
- Gaglio, Connie Marie & Katz, Jerome A, 2001. "The Psychological Basis of Opportunity Identification: Entrepreneurial Alertness," Small Business Economics, Springer, vol. 16(2), pages 95-111, March.
- Arrow, Kenneth J., 1973. "Higher education as a filter," Journal of Public Economics, Elsevier, vol. 2(3), pages 193-216, July.
- Pia Arenius & Maria Minniti, 2005. "Perceptual Variables and Nascent Entrepreneurship," Small Business Economics, Springer, vol. 24(3), pages 233-247, February.
- Cooper, Arnold C. & Gimeno-Gascon, F. Javier & Woo, Carolyn Y., 1994. "Initial human and financial capital as predictors of new venture performance," Journal of Business Venturing, Elsevier, vol. 9(5), pages 371-395, September.
- Castanias, Richard P. & Helfat, Constance E., 1992. "Managerial and windfall rents in the market for corporate control," Journal of Economic Behavior & Organization, Elsevier, vol. 18(2), pages 153-184, July.
- Paul Westhead & Deniz Ucbasaran & Mike Wright & Martin Binks, 2004. "Policy toward novice, serial, and portfolio entrepreneurs," Environment and Planning C: Government and Policy, Pion Ltd, London, vol. 22(6), pages 779-798, December. Full references (including those not matched with items on IDEAS)
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text: Trent Cotney of Trent Cotney, P.A. presented a seminar entitled "Collecting Payment on Construction Projects" to the Tri-County Roofer's Association on August 27, 2013 in Lakeland, Florida. Board Certified by The Florida Bar in Construction Law, Trent focuses his practice on every aspect of construction law, including litigation and arbitration, OSHA defense, lien law, bond law, bid protests, licensing defense and construction document review and drafting.


text:
Two Under the Grayish Sky Trailer (2013)
01 January 2013 Animated 9 mins
This story takes place in future earth, where people are restricted to go outside because of radioactive pollution. In the dark room, the boy is dying to play outside, and his elder sister is full of anxiety. 'Gray' is one of the unit to measure radiation.
Watch the official Two Under the Grayish Sky 2013 trailer in HD below or find more Two Under the Grayish Sky videos on Vidimovie.


text:
All the fun of the fair: A history of the British fairground 2011
Recordings are available to view on campus only.
Timeshift explores rarely-seen images from the University of Sheffield's National Fairground Archive to ride back to the origins of the fairground. From the sideshows to the freak shows and early hand-powered rides to the arrival of steam and electricity, the story of fairs is the tale of one of our first forms of popular entertainment. The film shows how fairgrounds often provided the only entertainment to rapidly-expanding industrial towns. It looks at how, from the 50s, the fairground was the site of youth rebellion and why we are still entrances by these travelling carnivals that arrive overnight and then vanish just as mysteriously.
|Item Type:
|Off-air recording
|All the fun of the fair: A history of the British fairground
|Transmission date:
|5 August 2011
|Running time:
|60 minutes
|Depositing User:
|Users 29196 not found.
|Date Deposited:
|21 May 2012 09:11
|Last Modified:
|01 Dec 2013 20:41
|Additional Information:
|This recording is to be used only for educational and non-commercial purposes under the terms of the ERA Licence.
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text:
Deadline : Rolling Applications
Internship Start Date : 1 July 2017 / 1 August 2017
Please note that only applications in the format required below will be opened or considered. Any applications received with any unnecessary additional documents, sheets, or material will not be reviewed.
What you need to know?
- you do not need a formal background in urbanism or design but design experience will support your application
- you do need to have excellent written and verbal skills in English
- you should be mobile, whether by public transport or bicycle or car
- it is an unpaid internship, and you should be able to commit 2.5 days per week
- interns are required to be based in Cape Town for the full 6 months
When, how, where?
- Deadline: Rolling Applications
- Term: 4-6 months (minimum) but preference will be given to candidates who can commit more than 6 months.
- Where: Cape Town
Please note that no other form of application will be considered.
- assisting with all communications including website content, social media and related tasks
- assisting with research where required
- supporting consultants and our broader networks on projects
- assisting with programmes run by the organisation
- general support with events, media and other logistical tasks
Have questions? First read this, then mail email@example.com with subject line "Question".
That's it. We'll get in touch from there.


text:
10 amazing indoor gardens
U.S. Botanic Garden, Washington, D.C.
The conservatory at the U.S. Botanic Garden is a historic structure dating back to the 1930s. With nearly 29,000 feet of growing space, it has enough room to host a diverse collection of plant life. The conservatory's lineup includes a desert exhibit, an orchid garden, a tropical jungle and rooms with plants native to the Southwest and Mexico. Best of all, it is completely free to visit the garden, like almost all of the federally owned attractions in Washington, D.C.
There is also a children's garden, a medicinal plant room, a collection of rare and endangered plants and a garden that showcases species that date back to prehistoric times.


text:
AS3 Radio Buttons Group
Visit Publisher Site
Get AS3 Radio Buttons Group Hosting
This is a minimalist radio buttons group - highly customizable - easy to integrate in any AS3 Flash project. It can be used by drag and drop, and the design can be changed by altering it's movieclips directly in the FLA. Features: 1. Set the initial state. 2. Enabled/Disabled states. 3. Label text. 4. Label position. 5. Customizable sizes. 6. Customizable colors. 7. Set the initial selected item.Visit publisher site: AS3 Radio Buttons Group
Listing Details
- Version:
- 1
- Filed in:
Scripts / Flash / Components
- Submitted on:
- Last Updated:
- Aug 27, 2010
- Publisher:
- Flabell Other listings by this publisher
License & Pricing Information
- License Type:
- Commercial
- Price:
- Additional Info:
- http://www.flabell.com/flash/AS3-Radio-Buttons-Group-315
User ReviewsBe the first to review this listing!
Not yet reviewed by any member.... You can be the FIRST one to write a review for AS3 Radio Buttons Group


text:
Ncc.gov.au ranks
#10,925,880 in the world and generates
195 Page views for daily.
FreeWebsiteReport estimates Ncc.gov.au for a valuation of
$427 USD for it's visitor traffic that has the potential for CPC and Display-based advertising.
This traffic data suggests the Advertisers with a Traffic Acquisition Cost (TAC) of
$0.58 for daily and
$17.55 for monthly to spend on advertisements with Ncc.gov.au. Ncc.gov.au receives most of it's
organic referrals traffic from 66 websites around the world. Ncc.gov.au servers are located in the Australia.
|Time Average
|Site Rank
|View Rank
|Views Per-User
3 Month
National Competition Council
Aim to help raise the living standards of the Australian community by ensuring that conditions for competition prevail throughout the economy that promote growth, innovation and productivity.
Departments Treasury Executive Powers
Google Safe Browsing - Safe website. Clean from Viruses, Malicious Worms, Adwares, Trojans, Spywares and Suspicious Phishing Attacks.
|DMOZ Name
|DMOZ Path
GPO Box 250B Melbourne Victoria 3001AUSTRALIA, -, -. Phone: +61 2 6230 6161, Fax: +61 2 6242 8918 Email: net.admin[AT]ncc.gov.au


text:
"Care in the A & E Department"
About: James Paget University Hospital James Paget University Hospital Great Yarmouth NR31 6LA
Posted via NHS Choices
Anything else?
On Friday the 5th September 2013 at 5pm, I attended my doctors surgery at Ormesby with chest pains, and after examination, and because I am diabetic with a history of heart problems I was taken to James Paget by Ambulance. This is where the fantastic care and service started, the ambulance crew, one female and one male got me to hospital with no fuss and on route carried out usual tests and made me feel very relaxed, and may I say without gas and air which was offered. On arrival at the hospital which was about 06.20pm they were extremely busy, but not too busy to be again kind and caring. Blood tests, X ray and Ecg were carried out over the next few hours. The nursing staff were fantastic along with the doctor who took time out to explain the Ecg in detail as the doctors surgery had also taken one and there was a discrepancy between the two. The cubicles were clean and all staff without exception were brilliant, Tea was also supplied to my wife and I. Thank God it was a false alarm and we were on our way home at around 10 pm. Thank you all Phil and Fay Thompson


text:
a few days ago, i went to singapore with my customers to check the system that they have. apparently we've been told that they have the state of the art system that we are implementing. apparently not so. we are, at the moment is way ahead of them.
never mind that. singapore is not really my kind of place. not many things to do here. and i don't know where to visit. coz nobody was around to take us places.
but we did go to Lau Pa Sat which means Old Market. it's not bad. the place has a wide selections of food and there's entertainment as well.
here's a pic of me at the Chinatown road. chinese new year is around the corner. and people are buying stuff for the holiday. but with the economy is not looking healthty, people are supposed to be a bit cautious.
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