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As the newest addition to our vacation homes, This beautiful home has a contemporary Moroccan flair, and an amazing view of the entire city of Los Angeles. 30' of glass opens to a 50' deck. Fully modernized with 50' TV and double sided fireplace which serves both the living room and bedroom. The master bedroom's soft partitian surrounds the fireplace, allowing for a premier master suite. This is the perfect place for writers and artists to work and relax in a creative environment, while still being able to take advantage of all Los Angeles has to offer. Moments up the hill from Hollywood's hottest attraction, this retreat will be your favorite place in all of LA.
Additional Services Available!: Additional housing, entertaining, and meeting accommodations for friends, family, and employees are available in adjacent properties. Please contact owner to reserve!
This property is part of the Luxury Villa Collection, if it appears to be unavailable please contact us because we have other similar properties and schedules frequently changes.
Concierge, personal training, certified massage, maid service, and personal chef available for additional fee. Weekly on site car wash service included in rental. This property fills quickly, so call to reserve your spot today.
Grocery Delivery Available upon request. Local and organic groceries delivered to the house per your order. Show up to a fully stocked kitchen of all your favorite local, organic groceries.
Wine and cheese welcome baskets are also available upon request.
Information for these services will be provided upon request.
Owner is in the entertainment industry in addition to being a passionate and experimental builder. He is famous for his architectural innovations, attention to detail, and the fit and finish of his properties. He wants the house to be enjoyed, and loves sharing his deep knowledge of the local restaurant, nightlife, cultural and music scenes with guests. He sees his design work as creation of experiential art designed to facilitate a stress free and sensually fulfilling lifestyle filled with aesthetic stimulation and the simple pleasures of spending time with friends and family.
This house is situated in the playground of the rich and famous. The Hollywood Hills area is home to the most beautiful people in the world, and this property is ideally situated to take advantage of the shopping on Rodeo, a night out on Sunset, and world class restaurants and cultural institutions. You may have heard nightmares about the traffic in LA, that will not be an issue as everything worth doing is right in this area. As you ascend the drive to this Morrocan Contemporary you will feel your everyday worries falling away, when the door opens you will know you are home in the house you always dreamed of...if only for the night.
The Hills Moroccan Casbah Contemporary sits above all of Hollywood amongst a celebrity filled neighborhood. Our homes are built by, and lived in by artists and celebrities, and we pride ourself on providing a creative environment for those who wish to be inspired.
|Rental Period
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1 Apr 2014 - 30 Sep 2014
5 night minimum stay
for 5 nights
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5 night minimum stay
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|Shorter stays are available upon request. Security deposits and rates are dependent on the number of occupants and proposed use. Event rates are available upon request.
* Approximate monthly rate. Actual rate will depend on the days of the month you stay. Please Note: The owner of this property accepts payment in the original currency specified (USD), before use of conversion tool. The conversion tool is provided for your convenience only. The owner may accept other currencies if specifically agreed in advance.


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Harlem Barns or Studios with Online Payment(3)
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Recent Harlem Reviews
Everything was great! Location in a great residential area in Harlem. Karen and Adam provided what we needed and the folks in the neighborhood were welcoming. For a longer stay (we did 9 nights) the futon bed was a bit stiff (a murphy bed may work in that space?). Some heavy walking/running on the first floor came through loud and clear in the Garden Apt. It interrupted some morning sleep, but was not enough to take away from our stay. Overall this is a great value - and we would not hesitate to return.
Clean, comfortable with an EZ access to La Guardia and subway. Dennis is the perfect host and if you are fortunate enough to stay as his guest you will not be disappointed. We listen and utilized his suggestions and all were spot on. We are looking forward to our next trip to NYC and will be pleased to be a returning guest. Barbara & Roland

subset: commoncrawl


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McBAIN – The first three minutes of the fourth quarter made the difference.
The St. Francis girls were clinging to a 39-37 lead after three quarters against stubborn Johannesburg-Lewiston on Tuesday in the Class C regional semifinals at McBain but scored the first 11 points of the final period to gain a double-digit lead on the way to a 56-41 victory.
The Gladiators (22-2) advanced to the regional finals on Thursday at 7 p.m. against Shelby, which held off Pine River 58-56 in the other semifinal. The Cardinals closed out the season with a 22-2 log.
"Johannesburg is a tough, well-coached team," St. Francis coach Mike Knudsen said in the wake of the hard-fought win. "They came to play and gave us a very tough fight. Fortunately, we were able to finish strong and come out on top."
The Gladiators led 10-5 after one quarter and 25-17 at the half, but saw their lead shrink to just two points in the third quarter as the Cardinals stormed back behind their all-out pressuring defense.
A driving layup from Johannesburg freshman Maddie Showerman sparked a 9-3 run that brought the Cardinals from a 36-28 deficit to within two points in the last 3:18 of the quarter. A 3-pointer from Johannesburg senior Abby Schlicher in the final seconds trimmed the St. Francis lead to 39-37 and appeared to give the Cardinals the momentum going into the final eight minutes of play.
St. Francis senior guard Lauren Buckel, who had earlier drained a 3-pointer at the buzzer ending the half, quickly got the momentum back on the Gladiator side, however. She ignited the Glads' game-turning three-minute run with a layup and then hit a breakaway following a steal seconds later.
Senior Liza Erickson drained a pair of free throws after that, Kaitlyn Freeney converted a steal into a basket, Lydia Arthur canned a jumper and Freeney hit a free throw as the St. Francis lead ballooned to 50-37 with 4:47 left to play. The Gladiators were not seriously threatened again after that.


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Nurse cautioned for stealing drugs from Worcester hospital (From Worcester News)
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Nurse cautioned for stealing drugs from Worcester hospital
5:49pm Wednesday 14th May 2014 in News By Ian Craig
A NURSE has been cautioned for stealing drugs from Worcestershire Royal Hospital.
Darren Carthew has been handed a five-year caution by the Nursing and Midwifery Council after admitting stealing an unknown amount of anti-anxiety drug lorazepam and dihydrocodeine, a medication used to treat pain and breathlessness between September 2010 and January 2011.
The two-day hearing in London beginning on Thursday, May 8 – which Mr Carthew did not attend – heard the former staff nurse was fired by Worcestershire Acute Hospitals NHS Trust after admitting stealing the drugs in June 2011.
The committee heard nurses at the hospital had become suspicious after the emergency department's usage of lorazepam dropped dramatically while Carthew was off sick.
When he was confronted by colleagues he said he had used keys he had as part of his role as a charge nurse to take the drugs from the hospital's store and put them in his locker. When he was asked to return them he said he had taken them.
The hearing was told Carthew had a previously "exemplary" record during his employment at the hospital, where he had worked since 2001, and had expressed regret for his actions.
Although the committee agreed his actions "fell well below" the standards expected of him, it decided not to suspend him from the nursing registry but instead to issue him with a caution.
The caution will remain on his record in the nursing registry for five years and Carthew is legally required to declare it to any potential employers.
Comments (6)
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5:54pm Wed 14 May 14
chris4536 says...
7:18pm Wed 14 May 14
High Time says...
7:50pm Wed 14 May 14
chris4536 says...
8:41pm Wed 14 May 14
b1ackb1rd says...
9:21pm Thu 15 May 14
Small Town says...
b1ackb1rd wrote:No, nor when someone is doing 150mph down the M5, or when a school building is covered in graffiti over a weekend.
What happened to the drugs? Was anyone harmed as a result?
What's your point?
1:49pm Fri 16 May 14
Perfman says...
chris4536 wrote:You could try reading the article....
He should have been fired!
heard the former staff nurse was fired by Worcestershire Acute Hospitals NHS Trust after admitting stealing the drugs in June 2011.
Comments are closed on this article.


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Accounting Software for Small Business
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BillGrid Review: Send Invoices, Manage Projects
BillGrid is low priced, easy to use online invoicing and time tracking software. This review explains BillGrid's many useful options for online small business time billing accounting.


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(Source: vs-angelwings)
(Source: soulswallower6)
The truth is everyone in life is going to hurt you… at least the ones you'll ever let get close to your heart. Even family. You just have to find the ones worth suffering for.
We may have many people in our life, some who appear briefly, some who come to us in the most unexpected of ways. Some we deem to be close, some who have been around for the longest of times and even yes, some whom we fall head over heels with. But no matter the circumstance, if your relationship has never gone through dark times, it has never gone through a trial of fire. And though it may seem like a nice place to be for now, you'll never know if it'll hold out in one of life's storms that decides to come by. Remember, a boat is never truly deemed seaworthy unless it has survived the wildest of storms, not by its age or how pretty it looks to you or others on the out. The sturdiest of relationships are never the ones that are the most smooth sailing.
When we take action and decide on our next course in life, we humans always tend to look back and focus on the negative memories not the positive ones. That's why the vast majority of us get trapped in all kinds of cycles - emotional, mental, physical and spiritual. Sure it's never easy but then again in our quietest moments, most never can honestly claim to be successful in love and life, right? We have to break out of the chains, we have to steer a direction to head into, you don't just expect everything to work out fine by flowing along. Ain't the best way out of any storm to grit your teeth and sail through it? Fight all instinct to give up!
Nothing comes perfect in this life. If you expect the right one to be someone who will give you a perfect record of the best time throughout, then you'll always be disappointed. But it's simple, just never give up on the one who never gave up on you! The one who was there when everyone left.
Remember, Love isn't just a feeling, it's also an action to commit. So don't you ever wait til you are left an old man filled with regret, that you realised you only had one life to live aye
Design by Simon Fletcher. Powered by Tumblr.
© Copyright 2010


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Join us as we have a St. Paddy's Day Bash and Park Place. Enjoy the McNulty Irish Dancers as they will perform two traditional Irish Step dance performances. Our DJ will entertain you with a selection of Irish music accompanied by a traditional Irish Buffet. Bring your family or friends and celebrate.
Guinness and Harp will be available at our cash bar. Registration is required. Children must be accompanied by an adult.
$20 per adult / $10 per child under 12


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After my usual breakfast of fruit, yogurt, and scrambled egg, I left the ship for the bus. I couldn't believe all the characters in the welcoming party on the pier. I thought the Tadoussac party was fun, but this one was amazing. Dozens of citizens in costumes from "old" Saguenay and the "La Fabuleuse" historical and cultural show were entertaining guests as they left the ship. Although I had just brushed my teeth, I couldn't resist the maple syrup rolled in ice to make it hard or the hot blueberry pie. I also sawed a log with a lumberjack and had my photo made. I love it when the townspeople love cruise ship guests (and not just their money).
I boarded the bus at 7:45 to find that I was the only English-speaking person on the hiking tour, with about 15 French. So, I had my own private guide, Claude, who was a native of Saguenay, knowledgeable about the area, and spoke very good English. We sat in the two back seats across the aisles from each other on a school bus used for the hiking tour so that he could speak to me while the French speaking guide was addressing the rest of the bus.
We chatted as we rode the 45 minutes to Eternity Bay at the Saguenay National Park. Our ship had traveled through parts of the park on Friday night on the way from Tadoussac to Saguenay. I learned that Saguenay is the only part of Quebec with its own official flag and other interesting facts about the town and region. We passed by clumps of brilliant autumnal colors of yellow, orange, and red, but much of the forest was still green or just changing colors. October 1 should be about perfect, although I am sure the timing varies somewhat each year.
We arrived at Eternity Bay by 8:30 and hiked on the "Sentier de la Statue" trail about 3.2 km (about 1.5 miles round trip) along (and mostly up) to Halte Bellevue, which provided a great view of the bay and rocks surrounding the fjord. The hike went up about 500 feet, so it was plenty strenuous for me. If we had continued another mile up the trail, we would have reached the statue of the Virgin Mary, which sits on top of the mountain. This statue was built in the late 1800's by a man whose horse cart fell through the ice of the river. He promised the Virgin Mary that if she saved him, he would build her a great monument. He lived, but his horse died (evidently the horse didn't pray hard enough). So, although he only had $200, he managed to raise enough additional money to erect this huge Statue de NotreDame-du-Saguenay.
About half of our group didn't want to hear the interpretation of the local guide, so they just hiked without stopping. The other six of us stayed with the local park ranger, who stopped occasionally and gave us information on the geology, plants, or animals in the park. Having worked at the park for 17 years, he was quite knowledgeable. The park ranger also spoke English, so I could question both him and my guide. The view from the turn-around point was worth the hike.
We arrived back at the park headquarters at about 10:50 and shortly thereafter rode back to the ship in time for lunch. It was another good buffet, and I was back on the bus by 1:00 for the short ride to the 2300-seat Municipal Palace Theater. I had a lot of trepidation when I signed up for "La Fabuleuse", a cultural show on a huge stage that stars 108 volunteers in the off-season and over 200 in the summer. I was so afraid it would be hokey, but it was wonderful--one of the best shows I've ever seen, and it was all in French!
The volunteer troupe (citizens of Saguenay) often work in the show for years, some with their whole families. "La Fabuleuse" has been going on for 24 years, and one man has participated every year. The age range is 4 years to 88 years old. The show re-lives the history of Saguenay, starting with the discovery by Jacques Cartier, the colonization by Samuel Champlain, the Great Fire of 1870, the Flood of 1996, and a whole bunch of other scenes throughout the past 400+ years. The show was modified after the Great Flood of 1996 to include that important tragedy in the city's history. Even Elvis makes an appearance in the story. The actors dance, but only lip sync the material or mouth the words to the recorded track. I counted 6 horses on the stage one time, along with 2 chickens, a pig, and a flock of geese. They do the show 36 times per year (24 in the summer months; 12 otherwise), with all but 4 of the shows in English since Saguenay had 15 cruise ship visits this year and 28 in 2012. Saguenay gets the large cruise ship traffic since it has converted the dock at a closed paper mill into a cruise ship dock.
We got a script with the scenes in English, but I never looked at it. We could get the gist by just watching the action, and I didn't want to miss anything on the stage while checking out my script. At one point--World War II--soldiers dropped from the ceiling of the theater on ropes at the same time bombs were exploding on the stage. I jumped so high that the guy sitting next to me dropped his water bottle and it went rolling down the aisle of the large theater. I was worried that one of the soldiers would slip on it, but none did. Very exciting!
The finale had participants from all the years, so some were dressed in Amerindian wear, and others from every century and almost every decade of the 1900's. At one point Elvis stood next to Cartier in the finale, which even had indoor fireworks at the climax. Very impressive. If you are ever in Saguenay, be sure to take in this show.
Back at the ship, I got cleaned up for drinks and dinner. We had the Captain's farewell drink and another nice meal. We had a famous Quebecois woman singer on board, so I went to the show and stood in the back, but decided to leave. She wasn't much better (in my opinion) that the cute lounge singers on board.
The next day Le Boreal was in Quebec City, our last full day on the ship.
Le Boreal New England and Atlantic Canada Cruise Travel Journal
- Overview and Embarkation
- Bar Harbor, Maine
- Halifax, Nova Scotia
- Halifax - Peggy's Cove
- Louisbourg, Nova Scotia
- Iles de la Madeleine, Quebec (Magdalen Islands) - Morning Tour
- Iles de la Madeleine - Afternoon Tour
- Perce, Quebec
- Perce - Bonaventure Island
- Havre St. Pierre, Quebec - Niapiskau Island
- Havre St. Pierre, Quebec - Quarry Island
- Tadoussac, Quebec
- Saguenay, Quebec
- Quebec City
- Montreal and Disembarkation


text: As I drove to my Physical Agility today in Riverside County there was a major car accident on the west bound 91 fwy. It looked really bad. One Cement truck and 3 other cars. There was one killed when the car was crushed by the cememt truck. Now that I'm home I'm watching the news and the one killed was a Deputy Sheriff from the Los Angeles County Sheriff's Dept. The Deputy was enroute to the Academy. He has not been identified as of yet. I'll update as soon as I hear more info.:angel:


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For her Step Into The Black interview, a bubbly Jhene Aiko discusses touring with R&B boy band B2K, growing up in a musical family and her upcoming album on Def Jam, Sold Out. Don't forget to visit Captain Morgan's Facebook page to download her performance of "Stranger" in Chicago.
POSTED May 17, 2012 1:30PM IN Featured - Captain Morgan Black, Videos Comments (2) TAGS: captain morgan, Jhene Aiko, R&B, step into the black


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By CAM HUFFMAN
Bluefield Daily Telegraph
Nobody inside the West Virginia basketball program would have signed up for what the team has experienced so far this season.
A streak of six losses in eight games? That's almost uncharted territory in WVU basketball history, and certainly in the career of head coach Bob Huggins. Losing to Davidson and Duquesne? That's just not supposed to happen.
And a 27-point loss against an average Purdue team on the road, well that was nothing short of a nightmare for the folks wearing gold and blue — or black and white as it's been so often in recent years.
Yet heading into tonight's 9 p.m. game at Baylor on ESPN2, the Mountaineers (12-11, 5-5) are still very much in the hunt in the Big 12 race.
They're just two games behind Kansas and Kansas State — who are tied at the top at 8-3 — in the loss column, and one game behind a group of three four-loss teams that are tied for fourth.
With seven of the 10 conference teams still within striking distance, the end of the season could get very interesting.
"I think every coach is just trying to make sure their team is one of the teams in the hunt and trying to win the next game," said Baylor head coach Scott Drew, whose Bears will bring a 15-8 overall record and a 6-4 league mark into tonight's game with WVU.
The fact that WVU is a part of that group is surely a surprise to many. After a 61-56 home loss to Kansas last Monday, the Mountain-eers were 9-11 overall and 2-5 in league play.
They were one of the worst shooting teams in the country, and they were finding every way possible to lose games — heartbreaking mistakes late in games, uninspired efforts that led to blowouts, big leads that were blown in an instant or simply coming up one or two baskets short.
Since that time, though, WVU has beat up on the Lone Star State, winning at Texas Tech and TCU with a home victory over the Texas Longhorns in between. The three-game winning streak was the first since late December, and tonight the Mountaineers will play another Texas squad, Baylor, looking for the first four-game winning streak of the season.
"We've been so close," said Huggins. "We were real close to beating Kansas here. We were real close to beating Iowa State at Iowa State. We just never really got over the hump and finished a game. Hopefully we have enough confidence now.
"We finally made some shots," he continued, explaining the major reason for his team's improved performance. "In at least two of the three (wins) we shot over 50 percent, and it was like 48 against Texas. When we make shots, we give ourselves a chance."
Eron Harris has been a major part of the improved shooting numbers. The freshman guard has reached double figures in seven of WVU's last nine games. Terry Henderson, another freshman guard, is also healthy again and has scored 33 points in the last three games, including 17 at TCU on Saturday.
Aaron Murray leads the Mountaineers with 9.5 points and 6.5 rebounds per game. Juwan Staten is averaging 9.1 points and three assists.
"I think all year long they've been very solid defensively and very good on the boards," said Drew. "I think their offense has picked it up."
Baylor, though, will be anything but any easy matchup. The Bears are second in the Big 12 in scoring offense, averaging more than 75 points per game, and they lead the league in rebounding, pulling down nearly 40 beards per game.
"It's hard to be successful in college basketball if you can't hold your own on the glass," said Drew. "We've been better the last couple years."
Senior point guard Pierre Jackson is the conference's top scorer, averaging 19.1 points per game.
, and he's also a distributor, leading the league with 6.05 assists per contest.
In an 83-81 overtime victory over the Mountaineers last season, Jackson has 23 points and four assists, and he scored eight consecutive points at the end of regulation and into overtime. He also had three steals and five rebounds.
"He beat us scoring a year ago," remembered Huggins. "He's certainly one of the best players in the league. He can really score the ball, and he does a great job with ball screens. Obviously, they can get you spread, because they have a number of other guys capable of making shots, as well."
It's all cleaned up in the paint by 7-foot-1 freshman center Isaiah Austin, who's averaging 14 points and 9.7 rebounds per game.
Following the trip to Baylor, West Virginia will get a 9-12 Texas Tech team in the WVU Coliseum on Saturday before hitting the road for a huge opportunity against No. 10 Kansas State that could really get the Mountaineers back in the conference mix.
Any chance at a late-season run, though, has to start tonight.
— E-mail: chuffman@


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New Hants signing set for T20 debut (From Basingstoke Gazette)
When news happens, text BAZ and your photos or videos to 80360. Or contact us by email and phone.
New Hants signing set for T20 debut
Updated 3:05pm Thursday 10th July 2014 in Sport By Simon Walter, Senior Sports Reporter
Hampshire have signed Australian Nathan Rimmington as cover for Kyle Abbott.
The 31 year-old seamer played for the Melbourne Renegades during the Big Bash and is available for tomorrow's T20 Blast clash against Middlesex at The Ageas Bowl.
But Rimmington will not be playing for Hampshire in the LV County Championship.
Abbott will only miss one four-day game, against Essex at Colchester from Sunday, but Rimmington will replace him for the Hampshire's last three T20 group games.
Owais Shah is now at the Caribbean Premier League, but Hampshire also have a timely reminder for the former England batsman, now that Liam Dawson is available after two months out with a groin tear.
Hampshire coach Dale Benkenstein has named the following 13-man squad to take on Middlesex tomorrow night: Vince (c), Carberry, Adams, Dawson, Maxwell, Ervine, Smith, Coles, Wood, Rimmington, Bates, Briggs, Wheater.


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Download dotProject Desktop Client files
SourceForge.net hosts over 100,000 Open Source projects. You may find what you're looking for by searching our site or using our Software Map.
You may also want to consider these similarly-categorized projects:
This is the dotProject Desktop Client project ("dpdeskclient")
This project was registered on SourceForge.net on Mar 28, 2009, and is described by the project team as follows:
dotProject is open and a good powerful software, but its lacking of easy to use for task creator. this will help task creators to create task very easily from desktop. 1) In resource view only node tasks are visible. 2) In resource view tasks are sorted
SourceForge.net is the world's largest provider of hosting for Open Source software development projects. SourceForge.net provides a variety of services to projects, including a download mirror network, collaborative development tools (like CVS and Subversion), and tools to support discussion and support. These services are provided to projects and their end-users free-of-charge.
Of benefit to users, Open Source software is licensed so you can download and use the software free-of-charge. The source code for this software is made available free-of-charge, you (or a programmer you hire) can make changes to this software to better meet your needs, and you can release your changed code back to the community passing the benefit on to other users.
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If you are a web page developer interested in this project, please consider reaching out to the project admin (per the "Join this project" section, above) to offer your assistance.
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PHOENIX — The Mac is back — in the Biltmore, that is.
Sen. John McCain arrived here at 7:40 p.m. Mountain Time and swept up to a spacious suite at the luxurious downtown hotel. Hank Williams Jr. is happily entertaining the still happy crowd of hundreds packed into the ballroom (TVs are not displaying the rolling totals — and losses in Ohio, Pennsylvania, New Hampshire, etc. Instead, a tally is running woefully behind, with states called for Sen. Barack Obama on the networks not posted for as much as an hour late).
A trickle of supporters is beginning to flow into a grassy expanse between buildings on the spacious spa grounds. The mood is still upbeat (some simply don't know the tallies), but there are small groups gathered, talking in hushed tones.
"So what happened in Ohio?" one woman asked two others. "Did you hear …?" one man says to a group before talking softly, filling them in.
The setup for McCain's speech was orchestrated by Bobby DiServi, a longtime Bush image maker. Two large blue banners featuring the "Country First" star bookend the stage, where a podium stands, TelePromters on either side. A giant U.S. flag serves as a backdrop.
— Joseph Curl, senior White House correspondent, The Washington Times


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By Dave Rogers
Staff Writer
---- — SEABROOK - A fire official yesterday said improper disposal of smoking materials is the likely cause of an early Sunday fire at the Prime Time Sports Grill, displacing 12 people living above the Route 1 pub.
Seabrook fire Deputy Chief Lawrence Perkins said video surveillance shows someone smoking near a pile of rags inside the restaurant a few hours before the fire was reported around 5 a.m. Sunday morning. While stopping short of calling it the definitive cause of the blaze, Perkins said he was almost 100 percent sure.
The fire was spotted by Hampton firefighters who had responded to a car rollover on Interstate 95 and noticed smoke billowing from the restaurant. All residents were able to escape unharmed and are currently staying at the Best Western-Seabrook Inn on Stard Road.
According to Perkins the business remains closed and residents are not cleared to return to their homes. Firefighters were on scene for about two hours battling the blaze, which caused an estimated $80,000 in damage. The town's building inspector was called to the scene and it will be up to him to issue the necessary permits for repairs to be made.
Over the years, firefighters have responded to three other fires at Prime Time Sports Pub, all with different causes, according to Perkins.
A phone call to the town's building inspector was not immediately returned.


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Well met at Audiko.net, where you can aquire ringtones for free for your Android smartphone. Today we have a ringtone of "intro" by Wiz Khalifa as well as 10850 other ringtones by Wiz Khalifa. "intro" is the best track from the "O.N.I.F.C" album that was produced by Wiz Khalifa at their studios together with other 22 tracks. You can listen to all 11 Wiz Khalifa – "intro" ringtone variations available here and download it for free right to your phone. You can also select other 16 albums produced by Wiz Khalifa for all time. "intro" is referred to Hip-Hop, and you may listen to a huge amount of Hip-Hop collaborations absolutely for free. And finally, we have collected lyrics for this track and you can view it here as well. So feel free to browse, listen, download ringtones at Audiko.net. Make your phone sound cool!
Wiz Khalifa - intro
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4 Dec 2012
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4 Dec 2012


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QUITO, Ecuador (AP) — An official in the Galapagos Islands says that Amazon founder Jeff Bezos was flown by helicopter from a cruise ship on Jan. 1 for medical attention after suffering intense pain because of a kidney stone.
Capt. Santiago Rubio, commander of the port of Santa Cruz, tells The Associated Press that Bezos was on a cruise not far from the island when he felt the pains in his stomach area.
Rubio said Saturday the navy sent doctors to examine Bezos on New Year's Day. The doctors determined that it was a kidney stone attack and Rubio authorized a helicopter to take the Amazon founder and Washington Post owner from the ship.
The captain said Bezos was taken to Santa Cruz port and from there a short flight to Baltra island where his private jet was waiting to take him to the U.S. for medical treatment.
Amazon spokesman Drew Herdener said in a statement Saturday that no surgery was required, and Bezos is feeling well.
He said Bezos sent an email saying, "Galapagos: five stars. Kidney stones: zero stars."


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To help raise money for the Leukemia and Lymphoma Society, Larchmont Photographer Jane Goodrich (www.janegoodrich.com), in collaboration with A Happy Little Design Studio (www.ahappylittledesignstudio.com), has launched the new "Calendars for the Kids" campaign.
Jane donated her time, putting her professional photography skills to good use by capturing portraits of 12 children battling leukemia. Sarah and Corey Simpson of A Happy Little Design Studio donated their time and resources to design the calendar and website.
Calendars can be purchased at www.calendarsforthekids.com for $14.95 with discounts for orders of 5 or 10 calendars. Orders can be shipped anywhere in the world with added shipping.
"This is a great gift idea for any family, particularly those who have fought leukemia together and want to help fund research towards a cure. We are hoping that everyone takes advantage of this unique opportunity to buy a gift that gives back this holiday season." — Jane Goodrich
About Jane Goodrich Photography
Jane Goodrich is a newborn and children's photographer and magician. She has a distinct skill for capturing kids in moments of pure marvel—it's because she's in on the secret with the kids. They invite her on their adventures so she can see what they see. Through her camera Jane achieves the adult impossible: she unlocks the magic of discovery. Jane is based in New York but regularly shoots in Chicago, Denver and London.
About A Happy Little Design Studio
Two creatively craft brains, one fantastically creative duo. A Happy Little Design Studio specializes in web design, print design, branding, and illustration. Husband and wife team Corey and Sarah Simpson established A Happy Little Design Studio in September 2010 and have found success in domestic and international marketplaces, in a range of industries from social media start-ups to high-end fashion, and everything in between.
For more information, please visit calendarsforthekids.com


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Upper Macungie's popular Movies In The Park series returns Friday with a screening of the film 'Captain America,' at Lone Lane Park.
The show begins at dusk. There is no admission, but you are advised to bring your own blanket and/or lawn chair.
Prior to the movie, Next To None, a Coopersburg-based band will play a one-hour set of family friendly rock music.
You can find out more about the band at its website.


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SAN FRANCISCO (MarketWatch) -- Shares of Sara Lee spin-off Hillshire Brands /quotes/zigman/10406668/delayed/quotes/nls/hsh HSH +0.10% rose 2.5% to $28.70 Friday morning in its first day of trading. Sara Lee late Thursday effectively split its company into two, completing a 1-for-5 reverse stock split of its shares of common stock and changing its name to Hillshire Brands. Sara Lee's international coffee business is trading on the NYSE Euronext Amsterdam and is called D.E. Master Blenders 1753. Hillshire's brands include Jimmy Dean sausages, Hillshire Farm deli meats and Ball Park hot dogs. Hillshire has $4 billion in annual sales. On Friday, J.P. Morgan started Hillshire with an overweight rating, while BMO Capital put a market perform rating on the stock and D.A. Davidson set a neutral rating.
Want to see how this story relates to your watchlist?
Just add items to create a watchlist now:
- XHillshire Brands Co. (HSH)


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Gov. Chris Christie on Wednesday will gather with Madison Mayor Robert Conley and other officials to host a groundbreaking ceremony for the new headquarters of real estate broker Realogy.
The event gets underway at 10 a.m. at 175 Park Ave., to where Realogy is moving in Parsippany.
Property owner Hampshire Companies is renovating the former Verizon structure into a 270,000-square-foot, LEED Silver-certified office building. Completion is slated for the fourth quarter of 2012. The building will host more than 950 employees of Realogy, sole tenant and parent of Century 21, ERA, Coldwell Banker, and Sotheby's International Realty.
The Christie administration has described the project as evidence of New Jersey's economic comeback, and a result of the Governor's pro-growth agenda.
The real estate company earlier signed a 17-year lease for the site. Realogy had considered several other relocation options, including moving out of state, before it was wooed with incentives from the New Jersey Economic Development Authority, aided by the New Jersey Business Action Center.


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top stories
Professional Ethics on the go
Module now available to download
14 Apr 2009
The ACCA Qualification has a strong focus on professional values, ethics and governance - skills which are essential to the accountancy profession. Therefore as part of your ethical development when studying for the qualification, you will be required to complete the Professional Ethics module, to which you can only gain access when you become eligible to sit Paper P1, Professional Accountant.
If you have opted in to the BSc degree programme, it is now a requirement for you to complete the Professional Ethics module before you can submit your Research and Analysis Project (RAP). To submit the RAP in the September/October submission period, you must complete the Professional Ethics module by 31 July.
At ACCA, we are aware how busy you are as trainees, and how precious study time can be – so we have now made it possible for the Professional Ethics module to be downloaded to a portable device, for use on the go.
If you are eligible to sit Paper P1, Professional Accountant, you will be able to download the online Professional Ethics module to your MP3 or MP4 player, mobile phone or BlackBerry.
It doesn't matter what type of device you choose to use; one of the following download options will be suitable for your needs:
- Listen (MP3 players and iPods) is downloaded as a number of podcasts, which can be listened to at your convenience. Once you have listened to all of these, you will then need to go online, and provide the written statement of learning for Unit 9 to complete the module.
- Listen/Watch (MP4 players and video iPods) is downloaded as a number of vodcasts, which include the case study as a simulation. As with the MP3/iPod version, you are then required to go online, and provide the written statement of learning for Unit 9 to complete the module.
- Mobile phone/Smartphone (eg BlackBerry) can be downloaded to your mobile phone or smartphone. It includes interactive quizzes, similar to those on the online version of the ethics module, as well as the case study and the Unit 9 written statement of learning, which can be submitted just like a text message.
Speaking on this latest development, Aude Leonetti, ACCA's director of education and professional development, said, 'We constantly strive to find new and innovative ways to engage with students and make the learning experience as convenient and tailored as possible for them. Giving students the opportunity to download and interact with the ethics module makes it easier for them to access and reflect on the content at times that fit around their other commitments. The Professional Ethics module has so far been well-received by students, and improving its accessibility means they will be able to take even greater responsibility for their own ethical development, utilising the latest technology.'
Visit myACCA to access the Professional Ethics module, and either complete online or download, whichever method suits you best.


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One Hen and a Small Loan Made a Big Difference in a Community and So Can You and I
One Hen Clucked at Me from a Book Shelf in the Waiting Room
I ran across this book quite by accident. My housemate had spent a few days in the hospital and I accompanied him to a follow-up doctor visit. I was sitting in the waiting room when all of a sudden it seemed I heard the voice of a clucking chicken. Seriously! And no, I do not generally hear voices in my head, other than my own!
My attention was drawn to a display case generously stocked with a variety of children's books. I followed the cackling and reached out to discover I'd quieted the beckoning when I selected the book, One Hen: How One Small Loan Made a Big Difference, from the bookshelf.
Once our visit with my friend's doctor was over and done with, I asked the receptionist if I could borrow the book, explaining I wanted to read it for review purposes. She said yes with a wave of her hand as though she could have cared less. I promised to return it, and I shall.
Arriving home and reading the inside flap, I noticed a "This Book Belongs To…" label with a stamp of the medical facility, and best of all it stated where the book came from – Bring me A Book Franklin, Inc. Time for me to do a bit of research on this book loan of mine!
I discovered that BMAB Franklin is an organization in which one of its programs is Build Me A Book, donating bookcases as well as books to numerous facilities here in Franklin County, Florida. I am committed to learning more about this organization and possibly becoming a volunteer in the future.
Reading the Book "One Hen" May Be the Inspiration a Child Needs
I firmly believe the books we read as kids are often the things that inspire us to greater heights and deeds, as children, as well as later in life.
Children have that special knack for observing a need in another and fulfilling it. We adults seem to become callous to the needs of others and I have found the best remedy for that is to go back in time to our world of make-believe and innocence. Once there, we are able to recall our childhood dreams for the impoverished, ourselves and all others, and rebirth our desire to believe we can indeed make a difference.
This is the House that Kojo Built – One Hen at a Time
As the true story goes, it all began with a type of microfinance loan. Under the organization Opportunity International, wherein a small amount of money is loaned, along with training and resources to empower the borrower, and the promise to pay back the loan. Once the loan is repaid it is now available for the next person, and so forth.
This information is clearly stated in the final pages of the book, after the children's story has been beautifully illustrated and told. I find this a wonderful wealth of additional information.
Finding this to be similar to the Kiva organization, I have chosen to automatically donate a percentage of the proceeds of this web page to Kiva, made possible through the Squidoo Charity Partners program. Thus, I thank you for your visit here today.
The Video Tells a Short Version of the Storybook Tale of Kojo and His Mission to Change the World
The boy Kojo had a vision to make a difference – not just in his little world nor that of his family. His dream traveled far from that first little loan and that first brown hen.
And one day, Kojo passed that loan forward to another. And so it went until a little bit of money and a whole lot of hard work, produced by a desire to believe, helped to build a community and a new world for its citizens.
One Needs Only the Desire to Believe
Each book pictured here on this page is presented as one story, one tale of making a difference glory. One loan, one family, one child--making a difference to one community, one world.
It is not about whether one can make a difference, it is about whether one will make a difference. We need only the desire to believe. Then, we shall.
Please join me on a journey to...
Change the World Before Bedtime, perhaps.
I'm the Books For Kids Contributor on Squidoo
I've much in store for you!
Next on our reading list...
Review Books For Kids that Make a Difference
You may also like...
Now that I have passed the story of my kid's book loan along to you, I wonder… Will you be passing the book One Hen, and its microfinance concept, forward to another?
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skiesgreen Mar 10, 2014 @ 6:38 pmNice review and interesting story. Well done.
DaisyDixon Feb 06, 2014 @ 12:14 pmI have a spreadsheet with a list of all the books I'd like to get for the boys, or read to them. This is definitely going on there!
Lewisgirl Feb 04, 2014 @ 3:57 pmGreat concept. Thanks for sharing.
sierradawn Jan 27, 2014 @ 12:14 amI find your selection of " One Hen" to be absolutely perfect! I am very familiar with the true life experience this book relates, as well as the rich wealth of endless inspirational stories coming out of "Opportunity International" with its transforming microfinance principal. I also "firmly believe the books we read as kids are often the things that inspire us to greater heights and deeds, as children, as well as later in life."
marsha32 Jan 24, 2014 @ 11:07 pmPretty nifty when a book calls out to you.
DeniseMcGill Jan 24, 2014 @ 12:03 amVery inspirational.
twobullsproject Jan 23, 2014 @ 8:31 pmGreat lens! Thanks for the inspiration!
TeacherPat Jan 22, 2014 @ 7:19 pmGreat lens! Very inspiring.
Jan 22, 2014 @ 11:22 amOff to a great start as the Kids Book Contributor! Thanks for being a guiding light for me as a lensmaster!
mel-kav Jan 21, 2014 @ 5:47 pmGreat review. And congrats on Lens of the Day!
mbgphoto Jan 21, 2014 @ 11:22 amExcellent review! Congrats!
RenaissanceWoman2010 Jan 21, 2014 @ 11:08 amI love that you were honored for this review. We can all make a difference in the world with the powerful gift of microfinance. I do support Kiva and similar organizations. Congrats!
nightbear Jan 21, 2014 @ 2:44 amcongratulations and well deserved recognition.
DebMartin Jan 20, 2014 @ 9:43 pmYou bet. And microfinance is one of my Squidoo charities.
LynnKK Jan 20, 2014 @ 7:22 pmGreat life view -- thanks for bringing this to everyone's attention!
sybil-watson Jan 20, 2014 @ 3:34 pmAbsolutely! I work in an elementary school and this book would be a great addition to our library.
jsr54 Jan 20, 2014 @ 1:16 pmWhat a great cause through the story. I noticed a bookshelf similar to this at one of our doctor's offices and it was support by Half Pint Books a part of Half Price Books. They donate excess children's books and cases to offices as such. The next group of kids books we were finished with I just brought right over to the doctor's office and added them to the shelf.
d-artist Jan 20, 2014 @ 1:10 pmCongrats on PROTD! Sweet book...I love causes like this. At Christmas I always donate a chicken, goat or lamb through another organization...it can be such a wonderful help to needy communities and a fulfilling feeling.
Papier Jan 20, 2014 @ 1:10 pmSimply wonderful and generous idea. We can teach so much in such little ways and still move mountains.
sierradawn Jan 27, 2014 @ 12:03 amSo beautifully put, Papier!
Brite-Ideas Jan 20, 2014 @ 12:52 pmWonderful Book and cause, so glad you brought to our attention too
masunyoananda Jan 20, 2014 @ 12:33 pmYa sure. Thanks a lot for this wonderful sharing of yours Ruthi and Congrats for the LoTD...:)
Ruthi Jan 20, 2014 @ 12:36 pmDelighted to share my book review of One Hen and delighted to have Squidoo bestow the honor of Product Review of the Day (PROTD) upon it. Thank you!
calconcrete Jan 20, 2014 @ 12:23 pmDelightful review.
adventuretravelshop Jan 20, 2014 @ 12:16 pmI certainly will! What a brilliant story. Thanks for sharing. Well done for LoTD
happynutritionist Jan 20, 2014 @ 11:49 amIf the right young person comes along, but for now, I'll give it a tweet:-) Wonderful positive outcome from a doctors visit.
getmoreinfo Jan 20, 2014 @ 11:31 amGreat review and I like the story, thanks for sharing.
OhMe Jan 20, 2014 @ 9:26 amI had not heard of this book and it sure sounds wonderful. I loved reading your review!
Mommie-Moola Jan 20, 2014 @ 9:14 amSounds like that book found it's way into your hands for a reason!
Merrci Jan 20, 2014 @ 8:55 amWhat a wonderful book and a wonderful idea. Our children have such great imaginations. I bet this book help them put it use! LOVE the idea of one small loan that is reused over and over as it's paid off. That's inspirational for adults too! Excellent lens!
Wednesday_Elf Jan 20, 2014 @ 8:46 amReturning to say this page is an 'excellent' choice for "Review of the Day". Well done.
Cercis Jan 20, 2014 @ 8:45 amExcellent lens! Another group devoted to bringing books to those who have none is World Book Night (http://www.us.worldbooknight.org/).
campingman Jan 20, 2014 @ 8:44 amNice job and as always, well written
Wednesday_Elf Jan 19, 2014 @ 11:54 amFascinating that you learned about this 'Opportunity' organization through a borrowed children's book. As you've lovingly pointed out here, a children's story is much more than just bedtime entertainment - it can become a lifelong teaching, learning and motivation tool.
Sylvestermouse Jan 19, 2014 @ 9:36 amThis is fabulous, or should I say fantabulous! I love the message behind the story that a little help can go a long way and touch many lives. I love the teaching power behind a lot of children's books!
BearTale Jan 19, 2014 @ 8:11 amWhat a cool, socially responsible story. I'm going to start reading children books. And I don't have kids!
Ruthi Jan 19, 2014 @ 11:11 amChildren's books are the best to read! It's a blessing of books to take us back or forward to places we wish to go, and it's amazing how re-reading a book from our childhood rebirths our dreams.


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I'm glad some of your site authors have been covering the team themselves. They're worth the attention. Black Shoe Diaries, who do exemplary coverage of Penn State women's volleyball, don't have anything up on their main page about men's. Aaaaand I'm not planning on posting this link there. Yeah, your boys are pretty well favoured.
Robert Anae discusses the new offense and other items after BYU's first spring practice.
Bronco Mendenhall talks about the new offense, quarterbacks and contract extension afte the first spring practice.
And they're not a bad team (though they're on a 4-match slide now). BYU look pretty good for an NCAA tournament berth, though the reality is it's probably 2 spots for 3 teams with them, UC Irvine, and Long Beach State (with Stanford still potentially able to play spoiler, but they're outside-looking-in as of now). In this wide open volleyball season, I couldn't even guess who it'll be.
BYU squeaks by Pepperdine 63 - 61 in Firestone Fieldhouse.
Looks like Lark is admitting that there was something wrong on the coaching staff. He says some interesting things, definitely worth the read if you haven't already.
After dropping last night's match despite having been up 2-0, it was a very strong showing tonight for the Cougars. Perhaps most encouraging for BYU fans was the fact that freshman outside hitter Ben Patch played what was really his first complete match as a collegian. First three matches this season, he played scintillating first sets only to fade as the match went on. Tonight, he was error-free on 15 swings for an .800 hitting percentage as BYU cruised to victory. Next up for the Cougars is an important conference matchup with UC Irvine. The Anteaters were picked preseason to win the MPSF and the Cougars to finish second, so it's a battle of two highly-rated teams.
They looked very solid in a three-set victory over Hawaii, who are admittedly a bit of a conference lightweight. The Cougars will have to find the best lineup combination to carry them through the season before tougher competition arrives, as they had several players at nearly every position in last night's match.
Bobert Anae is the new OC... DEAL WITH IT!
The Great White Hype!
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Welcome to The Dishman Family of Virginia genealogy website.
Sometime prior to 1693, Samuel Duchemin emigrated from France to the Colony of Virginia. He most likely originated from the French village of Tinchebray in Normandy. Along with his half-brother Isaac Duchemin, he purchased land in Westmoreland County, Virginia (located in King George County after 1778). Samuel was naturalized in Virginia under the anglicized name of Dishman. Other spellings of the name appearing in the written records are DECYMEE, DUCHMEIN, DUCHEMEIN, DUCEMAN, DUCHEMEN, DUCHIMINIA, and DUCHIMIN. Samuel and his wife Cornelia had at least eight children, while Isaac and his wife Martha had no known descendants. Most of the descendants of Samuel settled in the Virginia counties of Westmoreland, King George, Essex, and Loudoun, but a large number migrated to Kentucky, Missouri, and points further West.
This site presents information about the descendants of Samuel born prior to 1900, but the primary focus is on the line of descendants that include James Samuel Dishman (4th great grandson of Samuel) and his wife Betty Bell Grigsby Dishman, the grandparents of this writer. Included are transcriptions of important documents and narrative descriptions of the first seven generations of Dishmans that originally settled in the Northern Neck of Virginia. Information on the related families of Grigsby, Suttle, McGinniss, Baker, and Triplett is also included. My criteria for deciding who to include on this site can be found here.
The information presented on this site is the result of many years of research by members of the family. Much of the research was done by my uncle James Dallas Dishman of Lynchburg, Virginia, along with valuable contributions by genealogist William Anderson Hagey (1920-1999). They followed in the footsteps of Samuel Roland Dishman (1871-1946), publisher of the earliest known Dishman genealogy chart.


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In case you have forgotten, starting Monday, the toll rates for 2-axle vehicles crossing the Golden Gate Bridge will go up by $1, making it a whooping $7 just to have some fun in Marin and come back. For FasTrak users, the rate will increase to $6 and if you're carpooling with a FasTrak, you will ... More >>
It's Friday but you're not done yet. There's still a few hours -- and a lot of work to be done -- before you can crack that beer open, slouch in your favorite chair, and say "who really cares?" And while we're still waiting for the BART ballots to be counted today, we figured we'd pass some time by ... More >>
Bay Area denizens are well aware that toll collection at the Golden Gate Bridge has become solely electronic, with FasTrak and online payments as our only way to cross into the city by car. But what about those enthusiastic yet ignorant tourists who only have cash in hand? Turns out, just like the ... More >>
San Francisco tourists are best known for creating congestion along the Golden Gate Bridge, stepping out into intersections to get that "one great shot of Coit Tower" and turning Fisherman's Wharf into a local's worst nightmare. But amid the keychain shopping and cable car rides, we've noticed som ... More >>
An unidentified body was pulled from the waters near the Golden Gate Bridge yesterday morning. According to news reports, people on a tourist boat spotted the body floating near the mid-span of the Bridge at about 10:30 a.m. They called 911, and the the U.S. Coast Guard arrived to pull the body to ... More >>
As if the morning commute couldn't have gotten worse for everyone. A big-rig driver reportedly slammed into the toll plaza at the Golden Gate Bridge as he tried desperately to make his way to San Francisco. The bizarre crash happened during rush hour at about 8:43 a.m. along the third southbound l ... More >>
Our friends and co-workers in the North Bay have a great reason to skip out on work a little early tonight: The Golden Gate Bridge is experiencing painful delays, long enough that Giants fans headed to the game tonight (lucky!) might want to reconsider your transportation plans (unlucky!). The Gol ... More >>
In space, no one can hear you scream. It follows, then, that no one can hear you when you scream that an astronaut has apparently misidentified San Francisco's most famous bridge. In his Twitter feed, Canadian spaceman Commander Chris Hadfield sends along a breathtaking photo of the Bay Area. "The G ... More >>
The Marin County Coroner has identified the father and son pulled from the water near the Golden Gate Bridge on Friday as 37-year-old Juan Escamillo-Rojas, and his 9-year-old son, Juan Escamillo-Savoy, both San Francisco residents. The family had been fishing in the Marin Headlands at Bonita Cove ... More >>
(Update 5:15 p.m.): The Golden Gate Larkspur and Sausalito ferries will not be in service tomorrow due to a planned strike as part of the May Day action. The ferries will resume service again after 2 p.m., according to transit officials. Hopefully, this gives ferry commuters some time to make altern ... More >>
No more dressing up in ugly hospital gowns or sending mean Valentine's Day cards to Wells Fargo executives. It seems 99 percenters have decided it's time to go big or go home.On May 1, occupiers aren't just going to make life hell for Wells Fargo executives -- they are going to make life ... More >>
Suicides often don't make the news for a variety of reasons: respect for the departed and family, and to deter future suicides. Neither is foolproof, especially in San Francisco, home of the world's most prominent suicide magnet. Fatal leaps from the Golden Gate Bridge spiked last year, per a rep ... More >>
Any San Franciscan knows that the official name of the Golden Gate Bridge's distinctive hue is "international orange." On a massive, gently arching bridge, orange is a reassuring and lovely color. Transplanted to other objects, however, it harks to traffic cones, artificial cheese, prison ju ... More >>
Just when you thought print news had no value, Ubisoft Reflections releases with Driver San Francisco, which features a series of iconic landmarks, including the Golden Gate Bridge and, yes, SF Weekly. Well, it doesn't do much in terms of .... uhhh driving our news content, but as you can see below, ... More >>
Move over, Large MargeCyclists commuting between San Francisco and Marin County face another three months of frustration as crews complete seismic work that's closed the bike path on the west edge of the Golden Gate Bridge. Rather than speed to their destinations, cyclists must now inch through p ... More >>
Allison Bayliss The anxious search for Allison Bayliss, the 15-year-old missing teen, came to a tragic ending today after police reportedly said she jumped from the Golden Gate Bridge in an apparent suicide. Bayliss, a San Ramon Valley High School sophomore, was last seen on Monday at about 8 a.m ... More >>
Okay, let's get down to brass tacks with this Golden Gate Bridge bicycle speed-limit crypto-bullshit. Here are the facts: According to a study commissioned by the Golden Gate Transportation District, on busy days the Golden Gate Bridge has as many as 6,000 cyclists. That number's going up -- but ... More >>
Suicide attempt Last month, a Sonoma County teen got the attention he was looking for when he jumped 250 feet from the Golden Gate Bridge during a school field trip for shits and giggles -- although nobody was laughing. That incident seems even less humorous after this weekend when another teen j ... More >>
Iconic ... for many reasonsLast week, SF Weekly told readers about an audacious high school teen who jumped nearly 200 feet from the Golden Gate Bridge "for kicks." The kid survived, and the story went viral -- so much so that a foreign media company released a video animation with its own spin o ... More >>
hyzercreek.comAre the days of the hipster numbered?Wi-Fi might take the edge off earthquake disasters [SF Gate]Salmonella scare hits the Bay Area; how to figure out if you have a bad egg [SF Appeal]Evidence of a possible shipwreck floats by Golden Gate Bridge [SF Examiner]
A morning crash shut down the Golden Gate Bridge.KTVU.com is reporting that the Golden Gate Bridge has been temporarily shut down this morning due to a multiple car crash. As many as six cars may have been involved in the crash, and some injuries have been reported.The accident occurred in the no ... More >>
Thousands of supporters on Facebook have signed up to deter a person claiming on the internet to be an illegal immigrant planning to jump off the Golden Gate Bridge, writing "I am not wanted here."The PostSecret blog posts confessions people have sent in ranging from having hairy toes, to being a ... More >>
Those tall guys on the Golden Gate Bridge? That's right...Yes, the rumors are true: The Harlem Globetrotters, prior to their trio of forthcoming Bay Area games, will dribble basketballs across the Golden Gate Bridge tomorrow morning. Hey, sounds like fun (they'll even do a bit of habitat restorat ... More >>
Tired of hearing performances in the same old bars, clubs, and art galleries? How about hitting an event at the Golden Gate Bridge this Friday? Chicago composer/sound artist Wrekmeister Harmonies, (aka J.R. Robinson --pictured here both bearded and clean-shaven) creates live ambient recordings aroun ... More >>
This faux club banger by comedian Zach Galifianakis and songwriter Fiona Apple sounds like Har Mar Superstar meets Weird Al. "Up in Them Guts" demands that you show off your fanny pack in return for getting a glimpse of the fanny; details Galifianakis' desire to "spray my baby batter"; and gives sho ... More >>
Politicians want pork to pay for Golden Gate increases, but the money should be paid by drivers instead.
Local news is going ga-ga this morning with the still-developing story of three alleged Students For a Free Tibet protesters who are scaling the west side of the Golden Gate Bridge to unfurl a banner and/or Tibetan flag to protest the controversial Olympic torch relay -- its only North American stop ... More >>
Who doesn't love the Golden Gate Bridge? Who doesn't love giant squid? Put them together and you've got one awesome t-shirt, (by GAMA-GO ) not to mention the premise for a great summer blockbuster: a giant cartoon squid rises up from the bay to attack San Francisco, starting with the Golden Gate Bri ... More >>
The people overseeing the San Francisco landmark consider selling ad space on the bridge
Ethically questionable documentary spent a year on the Golden Gate
The Chronicle's series of stories on Golden Gate suicides goes "radioactive."
Some ways to make the best of the best city in the world, year-round
Lands End
Bulletproof Boat Party
City Guides
Marin Headlands Loop
It's nice to think the right presents could make this a merry holiday season. Nice, but not particularly wise.
The weird coincidences between last week's terrorist attacks and David Hagberg's novels have been keeping the author up at night
Old Railroad Grade on Mount Tamalpais


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The Bottom Line
- Historical accuracy
- Well-written story
- Author's Note with additional historical information
- Dramatic illustrations
- A good introduction to history of Greensboro sit-ins
- Not for those looking for an in-depth look at the history of the sit-ins
- Author: Carole Boston Weatherford
- Illustrator: Jerome Lagarrigue
- Format: Picture Book
- Genre: Historical Fiction
- Publisher: Puffin Books, Penguin Group
- Copyright: 2005
Guide Review - Freedom on the Menu: The Greensboro Sit-Ins
At the beginning of 1960 in Greensboro, North Carolina, as in other parts of the country, there are still many places that serve "whites" only. For example, when Connie and her mother go downtown to shop at Woolworth's, they are not allowed to sit at the lunch counter. Everywhere downtown there are signs and if a sign says, "white," Connie knows not to go there, but if it says, "colored," it's okay. In fact, Connie reports, there are signs on "water fountains swimming pools, movie theaters, even bathrooms." The only person Connie knows who has ever disobeyed the signs is her great aunt from New York, who says, "I'm too old for silly rules."
Connie and her family go to hear Dr. Martin Luther King Jr when he comes to speak in Greensboro. Then, her brother and sister join the National Association for the Advancement of Colored People. When they go door-to-door to get people to sign up to vote, Connie goes with them.
On February 1, 1960, when Connie and her mother go downtown to Woolworth's, they are shocked to see four of Connie's brother's college friends sitting at the Woolworth's counter seeking to be served like other customers, despite the fact that they are African American. They are staging a sit-in in protest of Woolworth's policy. Others join the protest, including Connie's older brother and sister and Connie helps make posters for the protesters. After months of protests, the Woolworth's counter is integrated and Connie and her brother and sister are able to enjoy lunch together at the Woolworth's counter.
In an Author's note, Weatherford goes into detail about the four college students who became known as the "Greenboro Four," the successful integration of the Woolworth's counter, the spread of sit-ins in the South and subsequent challenges to segregation in public places. A photograph of several of the students is included.
Because the book deals with a child's feelings about what's happening, it makes the story of the Greensboro sit-ins more meaningful for young readers. In addition, the story itself is told with attention to historical accuracy and the author's note provides even more historical background. I recommend Freedom on the Menu: The Greensboro Sit-Ins for ages 7-12 year olds.


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Feldman breaks record on way to Classic Singles lead at USBC Women's Championships
RENO, Nev. - Michelle Feldman of Auburn, N.Y., shot the highest individual series in the 90-year history of the United States Bowling Congress Women's Championships on her way to take over the lead in Classic Singles on Friday.
Feldman, who won two Professional Bowlers Association Women's Series titles this season, became the fourth woman to reach the 800 series mark in tournament history and the second since Wednesday. Feldman rolled games of 279, 249 and 288 on her way to an 816 series, surpassing Kendra Gaines' 812 in the 2000 tournament. Robin Romeo of Newhall, Calif., shot 805 in team event Wednesday.
After struggling in team and doubles, Feldman finally found a pair to match up with her high-rev game.
"In doubles, I used every ball in my bag to try and find a reaction," said Feldman, who won Classic Singles and All-Events in 2003. "When we moved pairs, it was night and day. I was able to use my favorite ball and had a great look."
Feldman hopes to use this performance as a stepping stone into the USBC Queens, which starts Saturday at the National Bowling Stadium.
"Tomorrow will be a brand new day," said Feldman, who finished second in the 2004 Queens to Marianne DiRupo. "It depends on who you are bowling with, if you have the right ball in your hands and if you're in the right part of the lane. I'm hoping to carry the momentum from tonight to tomorrow."
Feldman, who also owns 10 Professional Women's Bowlers Association titles, added 565 in team and 533 in doubles for an all-events total of 1,914.


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The Garden of Eden
What if Adam and Eve's real sin was greed?
BY: John D. Spalding
For years, biblical literalists have debated the location of the Garden of Eden. Some say it was north of the Persian Gulf, where the Euphrates and Tigris rivers meet. Others say it was in the Sinai desert. A California-based researcher claims it was in what's now Turkey, and he says he's got satellite pictures to prove it. Alas, they're all wrong.
The Garden of Eden is actually nestled on a quiet residential street in the small town of Lucas, Kansas. And unlike the bountiful paradise described in Genesis, it's made almost entirely of cement--more than 113 tons of it. An amalgam of traditional religious imagery and homespun Americana, this bizarre backyard tourist attraction embodies the quirky personal theology of Samuel Perry Dinsmoor-Civil War vet, farmer, Populist reformer, and feisty old coot.
When he died, in 1932 at age 89, Dinsmoor instructed that he be mummified like an Egyptian, placed in a glass-topped coffin, and put on permanent display in a mausoleum next to his strawberry beds. Any visitor who paid a dollar would be ushered in to view Dinsmoor resting in peace. "If I see them dropping a dollar in the hands of the flunky," the old man wrote, "and I see the dollar, I will give them a smile."
After 70 years of moldering in an airy coffin, Dinsmoor doesn't have enough of a face left to smile with. Which is a shame, because with the collapse of Enron, reminding us all of the limitlessness of corporate greed, Dinsmoor would have plenty to smile about.
Dinsmoor was part of a vanishing native breed, once common on the American plains, who believed that unregulated big business is by definition bad-very bad. Dinsmoor had reason to grouse. He moved to Kansas to take up farming in the 1880s, when the federal government, in the name of promoting settlement, had allotted railroad companies enormous amounts of property. The railroads had the pick of the best land and helped themselves to stretches some 200 miles wide. That left the worst of the land for homesteaders, and many soon starved or left. State laws passed by farm voters and meant to protect local planters and consumers were nullified by the federal government, which also sanctioned the railroads' price fixing that drove farmers out.
Dinsmoor wasn't afraid to express his views on all this. In his backyard, he built a series of sculptures depicting the fallen state of man from Eden to the Golden Age. The sculptures still dwarf the two-story house at Second Street and Kansas Avenue, where Dinsmoor moved after retiring from farming.
In addition to a serpent, Dinsmoor's Eden features an octopus, a common Populist symbol of the monopolies that controlled turn-of-the-century industry. Its huge stone tentacles are wrapped around the waist of a woman and grabbing a soldier's food. Above them is a 48-star stone flag. "Aren't we a fool set of voters?" Dinsmoor wrote. "[The monopolies] are protected by the Star Spangled banner. That flag protects capital today better than it does humanity."
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Sept. 12 - Fenty Will Bring Change to Washington, DC
by howardpark, Sun Sep 10, 2006 at 02:15:27 PM EDT
On Sept. 12 the Democratic Primary will elect a new Mayor for Washington, DC. If you don't live in DC, just remember that it is the bluest jurisdiction in the country, something like 93% for Kerry and it is the only majority African-American city/state. We are less than a state but more than a city. We pay taxes (high taxes) but our elected representatives can't vote. It's the only capital city in the world where the residents have second class status. I think it's partly the last vestage of legal racism. If Washington, DC looked like Wisconsin racially, I think we would at least have voting rights in Congress. That is simplistic, it's also reality.
Anyway, we are going to have a new Mayor. If is is 35 year old, grassroots oriented Adrian Fenty it is significant because African-American Democrats nationally will have a new leader who represents something of a break with the past. It's too simply stated but Fenty is the neighborhood candidate. City Council Chair Linda Cropp is much more the candidate of the business community, especially the gentrification friendly developers. Fenty opposed a taxpayer underwrited baseball stadium. Cropp was for it, then against it, then for it.
Fenty is one of the most energetic campaigners I've ever seen. He has gone everywhere in Washington, DC. I knocked on doors with him a couple of afternoons for hours, partly in a very rough housing project (Greenleaf Gardens - where there is almost no green, very few leaves, lots of old, sick people and a lot of drug dealing) that sits right in the middle of rapidly gentrifying Southwest Washington.
Fenty is the frontrunner in the Mayor's race. It was a surprise that he got the endorsement of the Washington Post. As Mayor Fenty has vowed to stick to the business of governing. Fixing schools, trying to get the city bureaucracy to be accountable, etc. Fenty, however, will be a name occasionally heard outside of the beltway, hopefully for the right reasons. He is the candidate of change.
If you are a DC voter, please make sure to vote for Progressive Phil Mendelson for Council, superactivist Phil Panell for Shadow Senator, a fantastic leader and one of the few openly gay African-American leaders and Netroots Activist Make Panetta for Shadow Representative.
Tags: Adrian Fenty, African-American politics, DC, Mayors, Washington (all tags)


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nick swardson, observational, men/women, seriously who farted, toys & games, storytellers, porn, sex, lgbt
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text: . I've been renting this lovely vacation home every summer last 5-6 years and planning to continue this for a long time. This 3200 sq home has plenty of room for my family/friend's reunion of 5-8 people. The owners came promptly to give us the keys when we called in the morning of our arrival each time and came back... More


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Easy Lemon Chiffon Pie14 Reviews 1 Pic
Prep30 m
Ready In3 h 30 m
"This pie is too easy and so luscious! You can substitute any flavor of gelatin that you prefer!!"
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Adjust Servings
Original recipe yields 1 - 9 inch pie
- In a medium bowl, mix gelatin in boiling water; stir to dissolve. Allow gelatin to cool to room temperature.
- In a separate bowl, beat gelatin mixture into whipped topping. Pour into graham cracker crust. Cover and refrigerate for 3 hours or until firm.
Share It
Reviews (14)Rate This Recipe
This recipe is awesome. The part I like about it best is that I was easily able to convert it to a low carb version for my diabetic father by substituting the whipped topping with lite cool whip and the gelatin with sugar-free jello... and better yet, it still tastes good and is very satisfying! I'll definitely be sharing this with others!
I came across a similar recipe. After you dissolve the jello, whip in an 8 oz. pkg. of cream chease (take awhile to become creamy). Then add the cool whip. This is very creamy and smooth.
This recipe is definitely easy and I like that you can make it with sugar-free Jell-o. However, the texture is exactly what you'd expect jello-o and cool whip to be. Also, the lemon flavor is not that strong. To make this recipe a little more appealing I added 1 tsp lemon zest, the juice of 1 lemon & 1 package of cream cheese. This gives it a smoother texture and the little extra lemon kick it lacked.
Similar Recipes
Lemon Pie I
Quick and Easy Lemon Pie
Creamy Lemon Pie I
Easy Lemon Pie
Lemon Chiffon Pie
Cool 'n Easy Pie
Amount Per Serving (8 total)
- Calories
- 257 cal
- 13%
- Fat
- 13.6 g
- 21%
- Carbs
- 32.6 g
- 11%
- Protein
- 2.4 g
- 5%
- Cholesterol
- 0 mg
- 0%
- Sodium
- 214 mg
- 9%
Based on a 2,000 calorie diet
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Lemon Pie I
next recipe:
Easy Lemon Pie


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School buses are likely to keep rolling for now, as the Legislature on Thursday restored $248 million for home-to-school transportation that was particularly crucial for small and rural school districts that need to take students across long distances.
Gov. Jerry Brown, who eliminated the school busing money as of January after state revenues fell short of projections, has indicated that he supports the move.


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CalTrout maintains a strong presence in Sacramento in an effort to:
- Develop legislation to improving funding and management for trout, steelhead and salmon priorities
- Support legislation that furthers our mission and oppose harmful legislation
- Track the state budgeting process to ensure fish and water programs are funded
- Raise state legislators' awareness about the importance of trout, steelhead and salmon
We actively follow and help influence legislative bills and statewide policy which affect the health and livelihood of wild trout, steelhead and salmon. Our regional presence throughout California allows us to bring tangible examples and real world solutions to Sacramento. CalTrout's goal is to use our regional success to set a precedent for state-wide policy.
We have a united voice in Sacramento led by Curtis Knight, CalTrout Conservation Director. We work closely with Trout Unlimited (TU). Our government affairs consultant, Conservation Strategies Group (CSG), provides strategic advice and lobbies for important bills and legislative issues on our collective behalf.
Currently, CalTrout and TU are working closely with CSG to track many different bills – some that we support and have helped develop and some that we oppose. Below you will find a brief summary of a few or our highest priority bills. We have assisted in developing these and are actively shepherding them as they make their way through the legislative sessions.
The Coho Bill; AB 1961 (Huffman): We refer to AB 1961 as the "coho bill" because it focuses on helping California's dwindling population of coho salmon. Hundreds of thousands of coho salmon once thrived in California's coastal streams and rivers. Just one percent of this number remains today, and continued challenges within our watersheds threaten to drive coho from our state forever. Unfortunately, while non-profit restoration specialists, local water agencies, resource conservation districts, tribes , landowners, and many others are poised to help with their expertise and financial resources, the number and need for restoration projects is overwhelming the sate's ability to permit these projects. Urgent action is needed to give the state and its restoration partners new tools to help ensure the efficient approval and implementation of coho habitat restoration projects.
If enacted, AB 1961 will benefit California's coho salmon by carefully balancing the need for appropriate project review with the urgency to get restoration projects implemented. CalTrout, TU and The Nature Conservancy are working closely together to sponsor this bill.
On June 12, 2012, this bill passed the assembly and is now headed for the sate senate. "We cannot sit idly by and let an iconic North Coast fish disappear from California," Assemblyman Jared Huffman said. "My bill is about taking thoughtful, immediate action to create near-term results. Coho salmon can't afford to wait and neither can the communities where these restoration projects would provide much needed jobs."
Dept. of Fish and Wildlife Strategic Vision; AB 2376 (Huffman): In 2010, AB 2376 was signed into law, requiring the California Natural Resources Agency to lead the development of a Strategic Vision process. Through the Strategic Vision process, three committees were established:
- An Executive Committee, consisting of the Secretary of Natural Resources and Director of Fish and Game, among others
- The Blue Ribbon Citizen's Committee, consisting of scientists, past legislators, and academics
- The Stakeholder's Advisory Committee, consisting of stakeholders (including CalTrout as the sportfishing community representative).
The California Fish and Wildlife Strategic Vision process was completed in April 2012. The Vision document addresses, among other things, improving and enhancing the Department of Fish and Game (DFG) and Fish and Game Commission's capacity and effectiveness in fulfilling their public trust responsibilities for protecting and managing the state's fish and wildlife. For more information see vision.ca.gov.
Several bills have been introduced that implement the recommendations made in the recently completed California Fish and Wildlife Strategic Vision process. These include:
SB 1148 (Pavley): This bill includes multiple provisions addressing issues identified during the Fish and Wildlife Strategic Vision process which are aimed at enhancing California's management of our inland trout populations. If enacted, this bill will refocus DFG's inland trout programs and objectives towards the restoration of native trout species, thereby enhancing recreational fishing opportunities for California's anglers.
CalTrout supports SB 1148 because it will improve California's management of its inland trout populations in several ways. First, SB 1148 will require DFG to regularly update it Strategic Plan for trout management. The plan will be required to address existing and new state policies related to hatchery operation, watershed restoration, and the integrity of native fishery genetics, among other issues. SB 1148 will also require DFG to develop trout management plans for all trout waters which will help guide restoration priorities, stocking practices, and on -the-ground resource management efforts in specific watersheds. Additionally, SB 1148 will empower the Heritage and Wild Trout Program to take a leadership role in the development of inland trout management policies and projects.
AB 2402 (Huffman): AB 2402 contains numerous reforms to the DFG and the Fish and Game Commission including directives for improved collaborative and cooperative partnerships with other agencies, non-profit organizations, and the academic community. These provisions will help DFG and the Commission tap into the extraordinary research and applied natural resource management capacity of these entities.
Another important provision of AB 2402 is its emphasis on science-based decision-making. This bill will create an independent, scientific advisory panel to provide valuable input on ecosystem management decisions. this provision will strengthen the role of science in DFG and the Commission, and will help improve public support for state agency decisions.
Furthermore, AB 2402 calls for a strong strategic plan, building upon the stakeholder-driven Vision process, to guide DFG and the Commission.
AB 2609 (Hueso): The Strategic Vision process identified the need to ensure that Fish and Game Commissioners are properly qualified for the job. The scope and responsibilities of the Commission have significantly expanded over the years, and the issues they face have grown in complexity. The members of the Commission are expected to make complex public policy and biological decisions on behalf of the people of California. The Fish and Game Commission was created by the California Constitution, but currently does not include any criteria or qualifications for selection and appointment of Commissioners.
AB 2609 addresses this deficiency by encouraging the Governor and the Senate Rules Committee to consider minimum qualifications when selecting, appointing and confirming Commissioners. The criteria will include enhancing the following: 1) the diversity of background and geographic representation of the Commission, 2) the appointee's familiarity with fish, wildlife and natural resources management programs, 3) the appointee's experience with public policy and decision making, 4) the diversity of knowledge of natural resource issues including outdoor recreation.
This bill is important because the Commission makes critical decisions about fishing and hunting regulations, species listings and other policy matters directly related to the fish and wildlife populations and recreation. AB 2609 will ensure Commissioners making these important decisions are qualified to do so.
Other Legislation
Caltrout is tracking other bills that are currently making their way through the legislature (including those listed below). As these bills take shape we will be engaging with legislators and staffers in order to finalize our positions. As our positions take shape, we will keep you posted.
SB 455 (Pavley D) Forestry: timberlands: conversion mitigation
This bill would require conservation mitigation for conversion of existing timberland to non-timber uses.
SB 1249 (Wolk D) Department of Fish and Game: lands: expenditures
This bill would authorize the Department of Fish and Game to enter into contracts or other agreements with nonprofit conservation groups for the management and operation of department-managed lands.
AB 1786 (Mansoor R) Sport fishing: licenses
This bill would set the expiration of fishing licenses at 12 months after date of purchase instead of the current end of calendar year expiration.
AB 1589 (Huffman D) State parks: sustainability and protection
This bill would enact the California State Park Stewardship Act of 2012, which would require the State Parks Department to develop a prioritized action plan to increase revenues and the collection of user fees at state parks.
SB 2284 (Chesbro D) Irrigation
This bill addresses impacts of marijuana cultivation on fish and wildlife resources.
Central Valley Floodplains
Central Valley salmon and steelhead restoration is perhaps one of California's biggest restoration challenges. Efforts are underway to improve the Delta, provide fish passage above dams that ring the valley floor, and improve flows below these dams. These efforts are important, but providing juvenile fish access to historic floodplain habitat is an often overlooked, but important driver of the health of Central Valley steelhead and salmon.
For some time, a Central Valley Flood Protection Plan has been in development because the state's current system is vulnerable to catastrophic events that could flood Sacramento and other cities in the Central Valley. In fact, Sacramento is the most vulnerable metropolitan area in the United States to flooding with a catastrophic flood having a 50% chance of occurring within the next 100 years.
The existing patchwork flood plan doesn't make sense. A Department of Water Resources' analysis shows that simply fixing the existing levees is not an answer. It will funnel higher flood waters downstream at levels which the levees, even with repairs, simply can't handle.
The current state-driven effort to develop a Flood Protection Plan provides an opportunity to ensure the needs of steelhead and salmon are being met. CalTrout is working with a group of partners to ensure the plan includes certain measures which will help the fish. Specifically, we are advocating for levee setbacks and increased capacity of flood bypasses. This will accomplish two important things. First, increased capacity of the flood system will improve public safety, the highest priority for the Flood Plan. Second, it will provide more floodplain habitat for steelhead, salmon and other native fish of the Central Valley.
The Importance of Floodplain Habitat
Historically, winter and spring floodwaters washed young salmon, only a few inches long, out of the river channels and onto the floodplains. Sheltered from the current of the main river and supplied with abundant food resources, these "off-channel" habitats provided environmental conditions that were optimal for growth. Substantial scientific evidence for many species of salmonids indicates that the size of fish at ocean entry is an important, if not the primary, indicator of its probability of returning to spawn as an adult. Floodplain habitats allow juvenile salmon to grow large and strong during the winter and early spring months. Young salmon that rear in off-channel habitats tend to be larger and in better condition when they head out to sea than are fish confined to the main river channel.
Central Valley Flood Plan Adopted
An important first step in implementing progressive floodplain management was achieved on June 22, 2012 when the Central Valley Flood Protection Board approved the Flood Protection Plan. CalTrout will continue to work with partners and the Board to actively guide planning efforts so that the Plan's ambitious vision can become a reality. Developing this plan is the first step in what is sure to be a long and valuable process in improving habitat conditions for Central Valley steelhead and salmon. To read the final adopted plan, go to http://www.cvfpb.ca.gov/.
4th Annual Casting Call
The 4th Annual Casting Call: A Celebration of California's Unique Wild Trout, Steelhead, Salmon and their Waters was held June 26th on the Capitol Lawn in Sacramento. This joint event presented by CalTrout and Trout Unlimited (TU) features fly casting lessons, a friendly fly casting competition between legislators, and a chance for the public and legislators to answer trout trivia questions to receive free ice cream cones, lemonade and "Chinookie" cookies (cookies in the shape of Chinook salmon).
While CalTrout and TU staff, board members and supporters filled the Capital Lawn to raise awareness among state legislators and their staff about California's incredible diversity of trout, steelhead and salmon, CalTrout's Conservation Director, Curtis Knight, and TU's California Director, Brian Johnson, spent the day between the lawn and the Capitol building. They attended back-to-back meetings with State Legislators conveying our joint message that collaborative and durable solutions to complex fish and water issues are needed.
"The sobering fact is, if present trends continue, 65% of California's salmonids will be gone within the next 100 years, and maybe sooner," Knight said to a captive audience on the Capitol Lawn. "This is why we are here at the Capital to build relationships and work to bring lasting solutions for fisheries conservation in California."
The day culminated in a friendly flycasting competition with Senator Hueso and Senator DeLeon from the Democrat side and Assemblymember Dahle and Assemblymember Linder on the Republican side. We even had a special guest angler, Assemblymember Waldron's 12-year old son, who showed the legislators how it's done. The speeches that followed were positive and hopeful towards continuing to work together for our state's fish.


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It really is amazing how seemingly minor adjustments can be a big different when it comes to a long-term mortgage. Many people don't realize just how an extra payment here or an extra percent in interest there can add up to big numbers over the course of a mortgage.
One easy way to see just how big a difference these seemingly insignificant adjustments can make is by using an amortization schedule calculator or mortgage calculator. It's the quickest and simplest way I've found to gauge how such adjustments can save money when it comes to homeownership.
Interest rate
Did you know that the difference paid in interest over the course of a 30-year, fixed rate, $200,000 loan at a 5 percent interest rate and a 4 percent rate is nearly $43,000?
It just goes to show how big a difference an apparently insignificant number can make in the overall scheme of paying for a mortgage. Being able to try different rates in an amortization schedule calculator before taking on a loan can help a prospective buyer understand how important getting a good rate can be and a current mortgage holder understand how important paying down a mortgage faster can be.
Downpayment size
Chopping off a big hunk of a mortgage up front through a larger downpayment helped us build equity in our home faster and reduce the overall amount of interest paid on the loan over time. We found that doing this in one fell swoop not only reduced our payment size and our interest owed, but it reduced the initial charges involved in obtaining our loan, meant we didn't have to take on private mortgage insurance, and was easier than making extra payments a little bit at a time later on. Just bumping up the size of a downpayment by 5 percent of a loan's overall amount could cut tens of thousands of dollars in interest off the course of the loan.
Extra payments
Extra payments can be a great way to reduce the amount in interest paid on a mortgage. Using an amortization schedule calculator can help see what the effect of a regular extra payment amount or even just an occasional extra amount put toward a mortgage every now and again is. Whether it's a full extra payment every year, or a few hundred dollars put toward the loan after a work bonus or tax return arrives, being able to see that amount of interest owed on a loan drop by thousands of dollars as a result can be a great motivator to keep up the good work.
Mortgage timeframe
Ever wonder what 5 years cut off the term of a 30-year fixed rate loan would do to the amount owed on that loan over time? Well, a mortgage calculator is a great way to find out.
On a $250,000 loan, with a fixed interest rate of 5.5 percent and a 20 percent downpayment, the difference in interest paid between a 30-year and 25-year term comes to about $40,000. Bump that loan timeframe down to just 15 years, and the interest savings nears $115,000.
Therefore, even seemingly small adjustments made to a home loan can have huge repercussions. And while the savings can add up with the right moves, the costs can skyrocket with the wrong ones. Using these types of calculators though can help see what the wrong moves are before it is too late.
More From This Contributor:
5 Websites that Could Save You Money
Preparing to Publish My First E-book
The author is not a licensed financial, mortgage or real estate professional. The information provided in this article is for informational purposes only and does not constitute advice of any kind. Calculations have not been verified by a professional. Any action taken by the reader due to the information provided in this article is solely at the reader's discretion.
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