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What we did in 3 weeks
I think as I look back that this forum was the most influential place I went to for information and ideas and answers. I'm pretty sure I don't have the whatever to hold up under a kitchen remodel that would take months. I don't know how some of you have done it. I felt really really badly about spending about $18,000 on this remodel in a 27 yr old kitchen, after I read a magazine article about a husband-wife DIY team who did a whole kitchen for $1600 - albeit much smaller than mine. Then I read that it took them 7 years to do it a little at a time as they found free or nearly free materials. I would probably kill myself! But here for your viewing pleasure I am sending photos of what we accomplished. The deadline was 3 weeks because we had 17 relatives coming for a weekend. And I asked each person working for us what they could accomplish and to please tell me if we hit a natural stopping point that made sense to stop and wait till after the company left. We are really about 90% done because - well, you know mistakes do happen when you are working day and night and the paint and dry wall dust is flying. Here goes. We still need to do a lot of touch up and clean up of details with paint and there is still grout to be applied in places. I'm hoping for some feedback on what I chose and how it turned out because I am still kind of shell shocked. I am also looking for some feedback on quality of the tile contractors work and what my expectations should be, which I'll post separately.
The soffit ran all the way around the kitchen and featured a border of houses and willow trees that had been airplane glued directly to dry wall. The wallpaper was extremely difficult to remove. We removed the soffits and sanded off the ceiling and put up a new one. I chiseled the wallpaper off everywhere I had to and we re-skimmed the damaged walls. The 27 yr old Merillat cabinets were dark stained solid oak door, vinyl covered box w wood front, and still in good shape so one place I saved was by having them painted instead of buying new. Our appliances never warranted having photos but the dishwasher door was broken and the frame for the crisper drawers in the very ancient refrig was broken completely.
The new kitchen has a Samsung French door refrig, Samsung Energy Saver dishwasher, simple stainless range hood because it was the only thing I could find that fit - not yet installed in these photos, Kohler single basin stainless sink with Delta Touch2-O faucet, under counter halogen lighting with 3 way dimmers, new 4 and 5" cans in the ceiling - both halogen and regular, island and kitchen table with dimmers. Floor is dk brown porcelain leather look with TruColor Bostik urethane no-seal grout, The cabs are painted Sandy Brown fm Behr and glazed with a mix of gray and brown glazes, polyurethaned.
The island was reduced in size by 1 cabinet, painted a distressed black and poly'd. The backsplash is Tanzu slate from the Sonoma Stone line from Market Collection. The laminate countertops are Flax Linen with a bevel edge. The wall color is Olive Branch from the now defunct Pottery Barn color collection which was mixed in a Behr paint. We still haven't picked a trim and door color but you probably can't tell that from these pictures. The hall and 1/2 bath were kind of a miracle to me - I could not get the wallpaper off and finally bought 4 x 8 ft sheets of beadboard and we covered it. We painted them Old Prairie - same color card as Olive Branch and they look amazing - it is so cleaned up compared to before.
Part of what drove the color selection was the antique hand made brick fireplace in the family room
One of my guests was my high end designer cousin who was kind of miffed when I told her what I spent and how long it took - LOL. Anyway its still not done and I'm very nervous about getting the little details right here at the end. I'm not entirely happy about the tile installation - kind of bumpy. I don't know what I should expect at this stage.
Also - I don't know why my posts are so wide and the photos so big. Does anyone know how to reduce the size?
So what do you think about the black island? I am half thinking of having it redone in the same color as the cabinets. Or maybe a green with glaze over it. The reason I chose black is because it gets such a workout being the center of the room that is the center of our house. My painter said that the only way to get a true black is to buy it ready mixed - that you can't have a black mixed at the store. I think that black is too stark. I envisioned something different but I can't quite put my finger on what is wrong. It was primed, painted in the Sandy Brown of the cabs, and then painted black and distressed. I have seen an an island that was painted red, then green, then a palomino color, then black and then distressed. You really don't notice each color individually but together they made a beautiful distressed piece.
Now here is the funny part. I originally wanted an all white kitchen because I cook a lot and I like to work on white. I hired a kitchen designer that worked by the hour. She threw a fit and said all white was a no-go and that it wouldn't fit into my house. Then I asked if she could incorporate ocean blues and greens into a color scheme and she said no way. At this point she had me trembling. We started with the floor which I thought was a real winner. She found it at Home Depot for $1.97 /sq ft. At the stone store they mistook it for a line that costs $15 a Sq ft that they carry - I was high-5-ing myself internally. One of my criteria for my kitchen was low maintenance and she did a wonderful job of finding the flooring. I do not want to spend 1 minute extra in the kitchen maintaining and cleaning - this is not my life. The floor, being a completely matte finish does not show dirt at all which is great. So that was very nice, but when she went out of town and didn't return my multiple calls for 7 days, but had time to phone and text the contractor and painter in front of me for days in a row - that ticked me off and I dropped her since she was working by the hr. Later my cousin the designer told me a little secret about the industry. She said that one of the things they do is try to help you lose confidence in your own taste and choices so that you rely on them. She said she had clients who called and emailed her pictures of coffee mugs and every day glasses to make sure it would be ok in their home. So I went off on my own and picked the cabinet colors and backsplash tile. I would have painted the walls some version of off white or cream but my awesome painters insisted it had to be green. They literally told me if I didn't paint it olive green they would be back to paint it again because I wouldn't be happy. Ok - well I like somebody who can stick by what they think so I went with their suggestion. I did think it looks like pea soup but I instantly saw their point after it was on the walls. Lucky for paint it can be changed so easily. I had awesome people to work with. They really, really just knocked themselves completely out on my behalf.
Thank you so much for your kind words and encouragement! I'm beaming! Now I'm in the market for cabinet pulls or knobs. But what style is this kitchen?
Mine I guess - but any suggestions about what might look nice in here? I have my hinges showing so I guess a rubbed bronze color would make sense.
Wow! You are so creative - you took those cabinets and soooo updated them into such a beautiful, warm space. I love the color on those cabs -- I love the BS with the countertop. And you did it DIY-- with your DH? Would have been IMPOSSIBLE in my household! I enjoy seeing everyone's kitchens, but I have an affinity for those like you who take what they have an give it a facelift.
OK, to make the pictures smaller:
go to your photobucket account
click on the album that you want to upload pictures from
hit "edit" above the photo that you want to upload to GW
on the toolbar above the picture, click on the "resize" button
I click on preset sizes and I use the "large" option, scroll to the bottom and save.
I like that size, gives full screen without overfilling it.
Hope this helps,
Oh No! I didn't do this myself - we had a contractor who laid the tile floor and backsplash, took down the ceiling and soffits and put it back up, etc. A very creative and talented painter executed what I was visualizing for the cabinets - she had never done glazing like this before but made me several samples and we picked from there. I primed and painted the ceiling, stripped wallpaper, ran a lot of trips to stores to pick up materials and tried to keep up with the cleaning.
Thanks for the resizing info- I'm going to resend some of the pics
This was 6 days before my guests arrived. The reason we had to rebuild those soffit boxes is that we found 1 stupid pipe sticking out farther than the cab face - a stack vent for the toilets. I called 2 plumbers in to see what they would charge, and it would have cost around $4000 to change it to aim to the side instead of aiming this way, but it still would not have been flush to the wall, and we would have had to lose a wall in a bath upstairs to get at it and the use of that bathroom for at least a week, plus put the wall back up etc. We stood and looked at it and decided maybe it would work to make 2 boxes to balance it out and pretend it was an architectural detail put up there on purpose. I'm happy with it and you all are the only ones who know why its there! Like my cabinet mess? This was before I gave up completely on cooking.
I think you and the contractors did an amazing job in that short time! I'm glad you went with the green paint, I think cream would have been too much with the lightness of the cabs and counter top. I do think your knobs/pulls should match the hinges since they show. if you want something different, maybe you could change the hinges to match? I don't know how bronze would look on the cabs but i'd like ORB myself.
that KD should have been gone asap!
Amazing transformation!! Your cabs are soooo beautiful! The olive green paint ties in great with your cabs & backsplash. Personally, I would go with fairly simple cab hardware. Do you want pulls, cups, or knobs? If you keep the island black, the ORB hardware won't really show up so you might want to use a different finish on that hardware. I don't know what to tell you about your tile. I did notice that it looked a little uneven to the right of the fridge. I'm sure someone else here will be able to give you some good advice. Good luck with your final details--trust yourself, after all you've done a great job so far. I love your striped tablecloth and the pig peeking out above the cabs--very cute!
Your transformation is amazing! Really, nice job! Your painters were totally spot on about that olive green color. It looks great! Can't tell from your photo about the black island. It's not reading as a true black for me on my monitor. Looks more like a blackish-brown. In any event, I think that dark island plays nicely with the colors of your backsplash and, at the same time, contrasts nicely with the cabs. Just a great job overall and in record time, no less. Congratulations!
BTW, ORB? Oil-rubbed bronze.
Thank you Thank you! Now I just am wondering if I can switch out some of my outlets or add outlets with those little Silltile outlets - I wish I'd seen those before they are really cool. I have a call in to the electrician to ask where they can be used.
I really need to ask for some help with the tile installation. It is not even is the problem and I don't know how far I should go in insisting that it be redone.
The sheets of mosaic were square, so he had to cut all of them in half to get the diamond effect, and piece in all of the extras. To go around the electrical faceplates, all of those had to be done - some of them 1 mosaic tile at a time, and cut in 1/2 diamonds to get them to fit. It is not smooth and even and I'm unhappy with it.
There are also holes around the switch plates where another tile won't fit. I feel like he is giving up on the project and wants to get out.
The second part of the problem is that he didn't lay out the mosaic sheets from the beginning and look at them. This is my first time doing this - I really didn't know to ask him about it. Because Tanzu slate has variable colors, the mosaic above the stove and sink areas is very red and yellow in color, whereas the mosaic back by the refrigerator is much more blue/gray. That is expensive material - $60 a sq ft and I'm just a little freaked out right now. I know we rushed, I acknowledge that it was a crazy 3 weeks, but I am also not real happy looking at this variation for the next how many years. So what do I do? What would be fair? What does he owe me? To compound things he is a friend/asociate from another part of our life.
I would really appreciate some input from someone else.
see hold by plate
found this this morning - we have a step down to the next room - I guess he will have to put new trim around the doorway but I have no idea what the solution is for the capture piece on the floor - that is metal and is cemented in.
What you've done is amazing for such a short time frame! It looks so much better (from what I could tell, difficult to tell with the large before pics... maybe you could provide a link to your photobucket to enable viewing there?). If I weren't finished, I'd be envious of 3 weeks! But as you pointed out on my thread, there were many things you wish you had seen sooner... I don't think I made a single decision in under 3 weeks, much less got the whole thing done!
As far as your other questions, I'd post those in a new, retitled thread, now that you know how to embed smaller pics. This one will forever be wider than the screen, and it's difficult to read all the text. I gave up reading comments and others who might have knowledge and feedback for you may do the same. You'd have a better chance at getting help that way.
For me, there are some things that weren't right that would have bugged me if I said nothing, others that didn't if I thought they weren't noticeable by anyone else, others that did bug me but I let go after asking... still other things that I was too tired to do anything about, coming toward the end of the remodel. I would say if the backsplash really bugs you and will every time you see it, have it redone now.
Please feel free to post again when you feel like you are completely finished!
Alyrics, your kitchen is stunning and three!!! weeks!!! is unbelievable. I love the green on the walls and the cream color on your cabinets. Really, really beautiful job.
LOVE the backsplash tile, especially those little diamonds. I can't see the color variation you describe from your photos but only you can decide if you will eventually get used to it or if it will always drive you crazy.
I agree that the island is not fitting in as is. If it were me, I would paint it the deep mustard color that's in your tile and then glaze it in a dark brown with some deep red tones to it; that will tie in both your backsplash and the brick fireplace in the next room. For hardware, I would do a birdcage pulls in a pewter finish on the perimeter and an ORB finish on the island.
Again, congratulations on a lovely kitchen on a crazy timeframe, and I'm looking forward to seeing it completely finished!
Absolutely incredible transformation!
PLEASE tell us about the process of the painting of the cabinets. We have similar oak cabinets and I've thought about painting them, or having them painted. however I've wondered if it is possible to not have oak's heavy grain to not show through at all, or not very much. You've acheived it! Anything you can tell us about how your cabinets were painted would be so appreciated.
CONGRATS on a great project!
The painter just did an incredible job on the cabinets. I can't tell you how thrilled we are. And she had never even done a glazed cabinet before- but lots of faux work. The original painter I hired had a family "event" (ugly divorce) which of course I knew nothing about, and sold his company without telling me. The guy who bought his company called me one day asking if I was ready to schedule my work and of course I didn't even know who he was - he explained the story and came and looked at the job and said he never would have bid glazing cabinets because he didn't know anything about it. This was on Day 5 when the ceiling was laying on the floor.
The KD called someone, she pulled in my driveway in 90 minutes, said she was willing to give it a try and I said - with one look heavenward.. ok lets do it. The process on these 27 yr old dark stained oak cabs was
*Take doors off and clean with TSP from Home Depot or other degreaser - I also used an interesting 'green' cleaning product from Trader Joes that sells for $3.00 a giant spray bottle and has cedarwood oil, sage oil and grain alcohol in it - that stuff will really clean up grease and dirt - took wallpaper down, cleaned stove tops.....
*Sand door fronts to smooth any roughness from the old stain but did not try to smoothe away the oak grain
*1 coat of Primer - Gripper by Glidden
*2 coats of acrylic latex paint on doors and boxes - the color is Sandy Brown from the old Pottery Barn line which is a chamois color, but it was mixed into Behr Primer and Paint all in One.
*1 coat glaze hand applied with artists brush to the crevices where the routing is, and wiped away, then a wash of glaze that was dry brushed into the surface of the door
I watched her do a cabinet side and she dry brushed the glaze onto almost dry base paint
*That had to dry for 72 hrs because the glaze needed that curing time to harden. Glaze has to have time to cure, and also needs to be covered because it apparently will re-wet. Be sure to follow mfrs instructions.
*Then the entire door was polyurethaned with a satin poly
*The cabinets are middle of the road Merillat and have wood fronts, but vinyl covered sides. They were degreased and scuffed with those bars of sandpaper, and then painted the same as the doors. I did not do the interiors as I have had paints remain sticky if you pick the wrong paint for the job. These cabs are not sticky on the outside but I wasn't taking chances. They are in good condition and there wasn't any aesthetic reason to paint the interior. We only painted the face of the wood frames of the cabinets but nothing inside that.
Ditto poly for the cabinets.
*The poly takes minutes to dry but 30 days to cure so I was extra gentle with the boxes and doors.
I am having them back in August to touch up all the paint, and to put a 2nd coat of polyurethane on the cabinets.
She showed me doors of her own that she had done faux finishes on and how the depth of the paint job is subtly changed by adding more thin coats of poly
My sister is now having her kitchen done by them in the same process - different color, and I think they have already sold 3 jobs to people who saw my cabinets at her house.
If you look at the back inside of the doors you can see a little bit of grain, but with the 2nd coat of paint, and the dry brushed glaze to add texture, you cannot see any grain at all on the cabinet door fronts. But she painted a couple trial doors in sections with different versions of the above as we worked on the glaze color etc, so we knew going into it what the door fronts were supposed to look like.
I had decided to live with painting my old cabs for a while and spend more money on other things in the kitchen and I am really pleased with my decision. I spent 12% of the price of new cabs from a midlevel line and about 4% of the quote for custom cabs. I got 5 painter quotes over time as I was researching this and they ranged from $1800 to $5500 just FYI - it paid to keep asking to find the combination of quality and price. Some of those were for paint alone, no glaze.
If I was really going to go the whole route and gut the kitchen I would remove walls and re work the whole functional area of the laundry and bath, and add a shower and storage. I also would turn the sink to the outside wall and put in a new, bigger window above it. That would have meant re-designing the entire area of laundry, bath, kitchen and probably taking up some of our garage storage area. Given my experience level with remodeling (low), my budget considerations, and the economy for resale in our area, I am just too conservative to do that right now. Also - I know this will be like lighting a flame thrower on this forum but I had to draw the line somewhere and after all, cabinets are just boxes to put dishes in. I have other interests and I already knew my priorities were to clean and modernize the space, easy maintenance, and I wanted to be proud to have people come over so I could enjoy my friends and not feel embarrassed about my worn out kitchen.
Since I have gotten sensitized to cabinetry and paying attention, I am surprised at the number of high end newer homes that have foiled white cabinets that basically look like crap with the rub marks and mdf chipping. I think new home buyers are really getting ripped off without knowing it - it all looks so pristine when its new.
You know Sherwin Williams has colorists that will come to your house to advise you on colors? they charge $75 in advance to come out for an hour or so, but then give you $75 gift certificate to spend at their store. I had one come over and we had a blast together - envisioned the entire house in grays - haha. Spent her $ on our deck stain so it was a good thing for me. She told me that she had painted 3 sets of kitchen cabinets white in renovated homes and to expect the paint to stay whole for about 5-7 yrs. But she didn't polyurethane so I don't know how that will effect it all. I thought this choice suited my needs at this time. Someday I think it would be really cool to have an ultra modern kitchen with blond and stained red wood cabs and surgical stainless countertops with all the appliances built in - but not this time around.
I am so running on.. hope that answered you Q about the paint


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source for low cost large number of herbs
vino(zone 6)December 26, 2012
I am developing a "Mount Vernon style " garden,,need an affordable source for perennial herbs in large numbers
fatamorgana2121(Zone 5/6)
Seeds. Seeds are the most affordable way to get large numbers of plants. Be sure to check out winter sowing which allows you to start large numbers of plants from seed outdoors in the winter. My indoor seed starting space is limited, as it is with most people. But winter sowing gives you other options and oodles of space. It also takes care of any seeds requiring cold stratification naturally.
What herbs exactly are you looking to grow? It helps to know to suggest sources.

subset: commoncrawl


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Sasanakul, I., Vanadit-Ellis, W., Sharp, M., Abdoon, T., Ubilla, J., Steedman, S. and Stone, K.J.L. (2008) New Orleans levee system performance during Hurricane Katrina: 17th Street Canal and Orleans Canal North Journal of Geotechnical and Geoenvironmental Engineering , 134 (5). pp. 657-667. ISSN 1090-0241Full text not available from this repository.
Official URL: http://ascelibrary.org/gto/resource/1/jggefk/v134/...
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|H000 Engineering > H200 Civil Engineering > H210 Structural Engineering
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Now that the Sangmoon Girl's High School has merged with Seomoon, the boy's high school, Patrick and Alice have found themselves in the same class, and with new romantic interests. Plus, Alice's prize teacher has transferred to Taiwan, leaving her inconsolable. With all these complications, will Alice be able to continue to work as Patrick's assistant, or will her rewards and good fortune end there?
Story and art by SiHyun Ha.
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Frank's European Service
1931 North Rainbow, Las Vegas, NV 89108 Map & directions
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Owner Frank Scandura has show us this shop has what it takes to make the grade as one of our Certified shops. He has assembled a well trained and experienced team of technicians and service advisers. Technician Josh Gomes has achieved ASE Master status. We found this shop has the tools and equipment we would expect to find including an excellent assortment of diagnostic scan tools, many if which are the same or equivalent to what you would find at the dealer. With these credentials, it's no wonder they confidently offer a 3 year/36,000 mile warranty! Customer conveniences include their convenient location, after hours vehicle drop-off, WiFi internet access, and a local shuttle service.
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Our mission is to provide the best automotive service and repair experience possible by serving our customers with unparalleled honesty, integrity and quality.
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Although all the repairs made were done well and in a timely manner, I wasn't happy with the fact that they couldn't touch my Zenon headlights to see if the light needed replacing or was just loose. They said that it's an aftermarket product that they just don't get into, and had to leave alone. I've never experienced that before. I wanted my light fixed and it wasn't, so I'm not happy about that. Now I have to go somewhere else to get it fixed.
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Probably will not go back to Franks. I'll just keep going to MOH. There was a discrepancy with the price quoted vs price paid. I need to be able to trust my mechanic. I did not get that feeling here. Staff and work were fine. But when I say don't do something very clearly then they charge me, I feel I can't trust my mechanic.
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vI require an SEO expert to write articles on SEO for an SEO blog. I'm looking for around 10 article per month.
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Nintendo Wii
More Game Unlockables for Driver: Parallel LinesHome / Nintendo Wii /
This page contains Driver: Parallel Lines Unlockables for Nintendo Wii called "More Game Unlockables" and has been posted or updated on Jul 10, 2007 by saertewdff. Let us know what you think of this Unlockable by thumbs voting.
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- Developer: Reflections Interactive
- Publisher: Ubisoft
- Genre: Driving
- Release Date: Jun 26, 2007
- ESRB: Mature
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Driver: Parallel Lines unlockables:
|How to Unlock:
|Atlus Racer
|Complete the Game
|Far Out (900 miles)
|Permanent 'drugged' effect. Text message displayed: Far out cheat unlocked.
|Free Garage
|The player can unlock the free garage by maxing out his cash counter at $99,999. Once this is filled it will unlock the free garage.
|Negotiator Vehicle
|Complete the Game
|Ram Raider
|Complete the Game
|Then & Now (Era) Change Option
|Complete the Game
|Unlock Body Snatcher (666 miles)
|Switch character skins cheat. Text message displayed: Body snatcher cheat unlocked, melee attack a pedestrian to activate.
|Unlock Night Night (700 miles)
|Changes the time of day to be constantly night time. Text message displayed: Night night cheat unlocked.
|Unlock Shortest Day (800 miles)
|Day and night cycle is speeded up; 1 second is 1 hour in the game. Text message displayed: Shortest day cheat unlocked.
All Unlockables
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Back to all Cheats
From: vhayste
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Iron Kingdoms
Mob's big book of Baddies! "Know hows to stomp em out!"
Mob's BIg book of Baddies: THis is a archive of all the enemies we encounter on our journey told from the unique perspective of the Mob.
Mog will keep track of baddies we fight to memer how to lick em!
When Mob Protect Leg we fight undead baddies! Da look like day don't have to much meat left on em. Day are slow and Mob stomp em out with Hurtin undead spell. Fancy talk big jobs call dem "the Risen" Day have 5 HP and can do 1-4 damage.


text:
Gopal Krishna Gokhale Politician
Gopal Krishna Gokhale, CIE (Marathi: गोपाळ कृष्ण गोखले) (9 May 1866 – 19 February 1915) was one of the founding social and political leaders during the Indian Independence Movement against the British Empire in India. Gokhale was a senior leader of the Indian National Congress and founder of the Servants of India Society. Through the Society as well as the Congress and other legislative bodies he served in, Gokhale promoted not only primarily independence from the British Empire but also social reform. To achieve his goals, Gokhale followed two overarching principles: non-violence and reform within existing government institutions. Gopal Krishna Gokhale was born on May 09, 1866 in Banaras , Maharashtra, a state on the western coast of India that was then part of the Bombay Presidency. Although they were Chitpavan Brahmins, Gokhale's family was relatively poor. Even so, they ensured that Gokhale received an English education, which would place Gokhale in a position to obtain employment as a clerk or minor official in the British Raj. Being one of the first generations of Indians to receive a university education, Gokhale graduated from Elphinstone College in 1884.
Personal details
|Date of birth
|May 9th, 1866
1. University of Mumbai Colleges/University
The University of Mumbai, popularly known as MU, is a state university located in Mumbai, Maharashtra, India. It was known as the University of Bombay until 1996 when the city of Bombay was renamed as Mumbai. The affiliated colleges of the university are spread throughout the city of Mumbai and four coastal districts in Maharashtra: Thane, Raigad, Ratnagiri and Sindhudurg. The university offers Bachelors', Masters' and Doctoral degrees apart from Diplomas and Certificates in many disciplines.
|Local tuition
2011. 12 K Rs.
|Official web page
|Wikipedia article
Institution social analysis
People attended University of Mumbai connected by profession and/or age
2. Elphinstone College Colleges/University
Elphinstone College is an institution of higher education affiliated to the University of Mumbai. Established in 1856, it is one of the oldest colleges of the University of Mumbai. It was exalted as a prestigious seat of learning during the British Raj and is generally observed for its vibrant alumni. It is reputed for producing several luminaries like Bal Gangadhar Tilak, Pherozshah Mehta, and Jamshedji Tata. It is further observed for having played a key role in spread of Western education in the Bombay Presidency.
|Official web page
|Wikipedia article
Institution social analysis
People attended Elphinstone College connected by profession and/or age
Organizations founded
1. Ranade Institute
Political engagements
Indian National Congress
Party founded
Geographic scope
Official web page
Wikipedia article
The Indian National Congress, abbr. INC, also commonly called the Congress is one of the two major contemporary political parties in India, the other being the Bharatiya Janata Party. It is one of the largest and oldest democratically-operating political parties in the world. Founded by freedom fighter activists in 1885, it dominated politics nationally for most of the period from 1947–89. There have been seven Congress Prime Ministers, the first being Jawaharlal Nehru, serving from 1947–64 and the most recent being Manmohan Singh, serving from 2004-14. The party's social liberal platform is largely considered to be on the centre-left of the Indian political spectrum. The INC was primarily founded by a prominent member of the Theosophical Society, Allan Octavian Hume in 1885, along with Dadabhai Naoroji and Dinshaw Wacha. In the following decades, the Indian National Congress became a pivotal participant in the Indian Independence Movement, with over 15 million members and over 70 million participants in its struggle against British colonial rule in India.
Other members
1.Gokhale Institute of Politics and Economics
|Located in
|Official website
|Pune, India
BMCC Road, Deccan Gymkhana, 411004 - Pune, Maharashtra
Public school, Public university


text:
Once again, D.C. lobbyist agreement is approved by city officials
WILLMAR -- The Willmar City Council has approved a committee recommendation to renew the annual professional consulting agreement with congressional lobbyist David Turch and Associates of Washington, D.C.
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African girls playing instruments© Blend Images - See portfolio
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["4-5 years","ability","african","african american","african ethnicity","african-american","afro american","afro-american","amusement","barefoot","black","bliss","blow","blowing","buddy","cheerful","child","childhood","children","chum","color","color image","colour","companion","companionship","comrade","confidence","confident","delight","delighted","education","elementary age","enjoyment","entertainer","entertainment","expertise","family","female","friend","friendship","front view","full body","full length","full-length","fun","gaiety","gal","girl","glad","gleeful","gratifying","grin","grinning","happy","harmony","holding","horn","human","human being","indoor","indoors","information","inside","instrument","instrumentation","intelligence","jolly","joy","juvenile","kid","kin","kinfolk","know-how","knowledge","learning","leisure","leisure activity","leisure time","lessons","lighthearted","looking at camera","melody","merry","minor","music","musical instrument","musicality","musician","obscured face","of african descent","only girls","pal","pastime","people","performance","performer","performing","person","photography","pleasing","pleasure","portrait","portraiture","posing","positive","recreation","rejoicing","relationship","relative","satisfaction","seated","self-assured","shoeless","sibling","sister","sitting","skill","smile","smiling","spare time","studying","technique","together","togetherness","trumpet","tune","two","two people","vertical","violin","wisdom","young","youngster","youth","youthful"]4-5 years ability african african american african ethnicity african-american afro american afro-american amusement barefoot black bliss blow blowing buddy cheerful child childhood children chum color color image colour companion companionship comrade confidence confident delight delighted education elementary age enjoyment entertainer entertainment expertise family female friend friendship front view full body full length full-length fun gaiety gal girl glad gleeful gratifying grin grinning happy harmony holding horn human human being indoor indoors information inside instrument instrumentation intelligence jolly joy juvenile kid kin kinfolk know-how knowledge learning leisure leisure activity leisure time lessons lighthearted looking at camera melody merry minor music musical instrument musicality musician obscured face of african descent only girls pal pastime people performance performer performing person photography pleasing pleasure portrait portraiture posing positive recreation rejoicing relationship relative satisfaction seated self-assured shoeless sibling sister sitting skill smile smiling spare time studying technique together togetherness trumpet tune two two people vertical violin wisdom young youngster youth youthful See all keywords
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abstract design© Redshinestudio - See portfolio
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HMBS Overview Ginnie Mae's Program to Securitize Government Insured Home Equity Conversion Mortgages Table of Contents – Tab A: Program Overview – Tab B: Home Equity Conversion Mortgage (HECM) Trends – Tab C: Home Equity Conversion Mortgage Backed Security (HMBS) – Tab D: HECM Real Estate Mortgage Investment Conduit (HREMIC) – Tab E: Market Opportunity 2 Tab A: Program Overview 3 Ginnie Mae's Mission • Ginnie Mae's mission is to support affordable housing in the United States by providing an efficient government-guaranteed secondary market vehicle linking the global capital markets to American homebuyers. 4 Program Goals • Deepen and broaden the availability of HECM lending from multiple lenders. • Reduce borrowing costs. • Create a broad secondary market for HECM loans. 5 Tab B: HECM Loans 6 HECM Basics • FHA insured • Allows elderly homeowners to convert equity in their homes into cash. • No monthly, scheduled payments. Payments are made after a maturity event occurs. – Death of the borrower – Failure to occupy the property for 12 consecutive months – Sale of the property – Prepayment 7 HECM Trends • Line of credit mortgages dominate current production – adjustable rate – monthly reset – Average draw at origination is 60% of MCA • Competition driving HECM margins down – HECM 100: interest rate equal to the CMT plus a 100 bps margin. • Majority of HECM loans terminate or are assigned to HUD within 7 years. 8 HECM Trends • 64% of all production has taken place in the past three years. • 329,501 loans have been endorsed since 1990.* – Over 175,000 loans were still active as of September 2006.** – Aggregate outstanding balance of $18.1 billion.** • 25 – 30% growth in HECM originations projected – Increasing rate of baby boomers entering retirement – Estimated 35 million people over age 65 by 2010, and 50 million by 2020*** – 80% homeownership rate for this population during these periods * Source: National Reverse Mortgage Lenders Association. FY07 figures are through the first 10 months. ** Source: "Home Equity Conversion Mortgage Terminations: Information to Enhance the Developing Secondary Market" published in Cityscape: a Journal of Policy Development and Research 2007. ***Source: Census Bureau 9 HECM Loan Origination 1,600,000 Actual Estimated 1,400,000 1,200,000 1,000,000 800,000 600,000 400,000 200,000 - 1999 2001 2003 2005 2007 2009 2011 2013 2015 2017 Conservative Origination Estimate Moderate Origination Estimate Aggressive Origination Estimate *Statistics from the National Reverse Mortgage Lenders Association. 2008 through 2017 are estimated 10 based on 10%, 20% and 30% growth. Key HECM Terms Term Definition Importance Principal Limit The maximum amount that a Once a borrower reaches the Principal Limit, mortgagor can borrow. Generally the loan continues to accrue interest, servicing the older that you are and the lower fees and the Mortgage Insurance Premium the interest rate, the more you can (MIP), but the borrower can make no further borrow. principal draws. Maximum Claim The amount that FHA will insure FHA allows Issuers to assign a HECM loan Amount (MCA) for any HECM loan. that accrues to 98% of the MCA. Ginnie Mae requires any loan that has accrued to 98% of MCA to be purchased out of an HMBS pool whether or not an Issuer assigns the loan to FHA. Participation The funded portion of a HECM There may be many participations in one loan that has been securitized. HECM loan, but each participation Additional and subsequent balances corresponds to only one HMBS. can be securitized in subsequent HMBS. 11 Representative Payment Scenarios Scenario 1 Scenario 2 Scenario 3 Borrower Age 62 84 74 Appraised Value $600,000 $250,000 $250,000 FHA Lending Limit $362,790 $362,790 $362,790 MCA $362,790 $250,000 $250,000 Principal Limit $165,795 $181,500 $149,000 Initial Draw $100,000 $181,500 $50,000 • After the initial draw, borrowers 1 and 3 continue to make small draws. • Borrower 2 has reached the Principal Limit and can make no more draws. • Loans 1, 2, and 3 each accrue interest, MIP and servicing fees. 12 Representative Payment Scenarios Scenario 1 Scenario 2 Scenario 3 7 years later, the After 5 years the loan After 9 years, the borrowers move into a accrues to 98% of MCA. borrower dies. His estate smaller residence. They The Issuer buys the loan sells the home within 6 sell their home, the out of the HMBS and months and the estate is HECM is fully paid, and assigns to FHA. Funds are able to pay the mortgage funds are disbursed to disbursed to investors in balance with the sale investors in the following the following month. proceeds. Funds are month. Younger disbursed to investors in borrowers are more likely the following month. to pay in full due to higher mobility. 13 Historical HECM Payment Trends HECM Borrower pays the The loan is FHA pays a Payment mortgage balance assigned to claim to the Scenario through sale of the FHA when the lender because home, refinancing or accrued loan the proceeds with other sources of balance reaches from the sale of funds. 98% of MCA. the home are FHA pays the less than the lender 100% of funded balance the outstanding of the HECM accrued loan. balance. Frequency 90% 9% 1% 14 Historical Payment Timelines Loan Terminations by Vintage Year 100.0% 90.0% • Loan payoffs begin in the first 80.0% year after origination. 70.0% • Payoffs and active loans 60.0% intersect in year 7. 50.0% • 58.8% of loans have 40.0% terminated as of the end of 30.0% year 7. 20.0% 10.0% • 100% of loans have paid off 0.0% after 18 years. 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 Percentage Active Percentage Terminated Source: "Home Equity Conversion Mortgage Terminations: Information to Enhance the Developing Secondary Market" published in Cityscape: a Journal of Policy Development and Research 2007. 15 Tab C: HMBS 16 HMBS • Serves as an attractive standalone investment. – Superior yields – Straightforward structure – Full faith and credit of the United States Government • The FHA guaranty on the underlying HECM collateral protects investors against credit risk. • The Ginnie Mae guaranty on the HMBS protects investors against Issuer risk. • Generates unique cash flows for innovative HREMIC structures 17 HMBS • Key HMBS features include: – Collateralized by HECM loans. – Weighted Average Coupon (WAC) accrual pass-through bond. – Allows ultimate flexibility in underlying interest rates. – Securitization of funded balances. An individual HECM loan can be securitized in multiple HMBS as they are funded over time. – Does not require external funding sources for future borrower draws. – Underlying collateral must have the same index and reset dates. 18 Pooling • Minimum Pool Size – $1,000,000. – At least 3 HECM participations related to three distinct HECM loans. • Pooling parameters – Fixed rate HECM loans cannot be pooled with adjustable rate loans. – Adjustable rate HECM loans • Same reset date. • Same frequency. – HECM Participations must have a spread of between 6 and 75 bps below the HECM note rate. • Multiple Issuer pools will not be allowed. 19 HMBS Servicing • Servicing the HMBS is tedious but not complicated. – May develop their own systems. – May contract a Participation Agent/Master Servicer. • Issuers are required to monitor a borrower's compliance. – Maturity event. – Borrower default. • Loan substitutions will not be allowed. 20 HMBS Payments to Investors • Issuers are responsible for funding any payments due in a timely fashion. • Payments will be disbursed to issuers in the month following receipt of: – Partial prepayments, – Full payoffs, – Issuer repurchases, – FHA claims paid. • When a HECM loan is terminated, payments will be distributed pari passu. 21 HMBS Pass-Through Rate • HMBS Rate: weighted average of the interest rates on the underlying Participations. • Participation Rate: interest rate of the HECM, less the Servicing Fee Margin. 22 Servicing Fee Margin • Issuers can select how servicing fee is calculated. – Flat rate: $30 or $35 in accordance with FHA regulations – Variable rate: 25 to 75 bps. • Servicing Fee Margin represents the Issuer's compensation and Ginnie Mae guaranty fee. – Flat rate Servicing Fee: 6 bps to 75 bps. – Variable rate Servicing Fee: 25 to 75 bps. 23 Issuer Responsibilities Mandatory Repurchase Event • Issuers must repurchase participations related to HECM loans that have reached 98% of their MCA. – For HECM loans that have not become due and payable, FHA will accept an assignment claim. – For HECM loans that have become due and payable, Issuers will service the loan to termination at which point they will be able to submit a claim to FHA for any shortfall that occurs. 24 Issuer Responsibilities Payment of Interest Shortfalls • Issuers are required to remit interest accrued through the first of the month on all full and partial payments. • HECM borrowers are allowed to make full and partial prepayments at any time, on any day of the month. – Payments made on the first of the month will be remitted to Investors on the distribution date according to Ginnie II guidelines. – Any payment made to Issuers after the first of the month will be remitted to Investors on the distribution date of the following month, and Issuers will make up any shortfall in interest. 25 Disclosure • Disclosure for the HMBS will be robust. – HMBS Prospectus • General program information – HMBS Prospectus Supplement • Transaction specific data disclosure. – Monthly disclosure • Via Bloomberg 26 Disclosure • Disclosure will include stratifications for data elements such as: – Male and female sole and co-borrower ages – Loan and property type – Principal limit – Ratio of outstanding balance to Maximum Claim Amount – Ratio of outstanding balance to Principal Limit 27 Tab D: HREMIC 28 HREMIC • Allows for inclusion of HMBS and forward Ginnie Mae MBS collateral within the same REMIC structure. – facilitate current pay securities and – other structures which eliminate the need for funding facility. • Fulfills market need for investors who need cash flow certainty. 29 Tab E: Market Opportunity 30 Comparison of HECM Backed Security Structures Private Execution Ginnie Mae HMBS Whole loan securitized, funded and Funded balances only. Securitized as unfunded. Participations. Reserve required to fund future No reserve required. Future borrower borrower draws and advances. draws and advances securitized in subsequent HMBS. Can be used as collateral in conjunction with Ginnie Mae forward collateral in HREMIC. Current pay Accrual bond. Tranched structure. Payments distributed pari passu. AAA Guaranteed by the full faith and credit of the United States Government. 31 Capital Market Implications of HMBS/HREMIC • Links the reverse mortgage market to the global capital markets. • Allows global investors to access a high growth sector of real estate lending, not previously available to global investors. • Satisfies growing appetite for Government-backed securities. • Anticipate initial monthly deal flow of $200 to $300 million. • Attractive straight-forward structure – no need for variable funding facilities to fund additional borrower draws. 32 Potential Investors • Investment banks • Commercial banks and thrifts • Foreign central banks • Foreign commercial banks • Domestic mutual funds • Insurance companies • Pension funds. 33 Global Markets Foreign Holdings of Agency- and GSE-backed Securities 1400 Billions of dollars 1200 1000 800 600 400 200 0 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 Source: Federal Reserve Flow of Funds Accounts of the United States updated June 2007 34 Issuer Incentives • Optimal leverage of capital. Issuers are able to: – Generate origination fees. – Collect servicing fees. – Sell bonds for profit. – Monetize principal and accruals. – Rechannel capital to growing market. • Enhanced growth and profitability. 35 Reasons to Invest in Ginnie Mae Securities • Full Faith and Credit guaranty of the United States Government. • Less susceptible adverse market events. • 0% Bank of International Settlements (BIS) Risk-Weight. • Superior risk-adjusted returns. • Highly liquid instruments – Traded on the global financial markets. • Excellent investment vehicle for entities that manage liabilities with similar demographic and actuarial attributes. 36 Key Dates • First HMBS Issuance: November 2007 • First HREMIC Issuance: Anticipated January 2008 37 Questions Contact Justin Burch at 202-475-7804 or via email at email@example.com 38
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For paper billing users, the codes at the bottom of the Aflac Statement are used to remove an employee. The codes indicate different reasons for the removal (e.g., T- Terminated, D- Deceased, R - Retired). Draw a line through the policy and policyholder's name to be removed, and place the appropriate code in the adjacent CR column.
In addition to making your changes on the statement, you may also fax your request directly to us at 1.706.660.7177.


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LSUC: No Yurts!
The Law Society of Upper Canada is located in beautiful Osgoode Hall on Queen Street in the heart of downtown Toronto. The large, manicured grounds in front are partly surrounded by an ornate iron fence that's interrupted at a few points by elaborate gates known as "cow gates," baffle affairs that would indeed keep cows out (or in) and that are enjoyable to wiggle through.
I happened to pass by recently and saw that No Trespassing notices had been posted at these gates. Perhaps they've been there for a while and I've just never noticed them before. At any rate, . . . [more]


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Product Details
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Hella funny. I Gave as gifts, and they LOVED them. (And u should also check out "coloring for grownups" those two books are smaller but real good also.)Published 2 days ago by Joyce peterson
This is a big, heavier than expected book with a ton of activities. I'm on major painkillers post surgery and I can tell this is gonna keep me occupied for a good while.Published 28 days ago by Staff Sgt. Max Fightmaster
Lately i have been coloring as a calming activity after stressful work days. This was a fun little gag gift that I bought for Christmas stockings, and it was a huge hit. Read morePublished 1 month ago by Ashley
This book is hilarious, but the main reason I came on here is to tell you that I actually gave this book to a friend on xmas eve WHEN SHE WAS DRUNK. Big mistake. Read morePublished 2 months ago by AprilSunshine


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Pitchers display troubling Pads trend
That's 38 runs on 49 hits and 28 walks in 35 2/3 innings by starters not named Correia, who has allowed three earned runs on 16 hits over 18 innings in his last three outings.
"As a rotation, we haven't been helping out our bullpen a lot, that's for sure," said Stauffer. "We have to stay in there longer. It's tough to win when you spend a bullpen like that."
After hitting two hitters with breaking pitches and falling behind 3-and-1 to Ryan, Stauffer's "mindset" was to throw No. 8 hitter Ryan a fastball.
"I knew I was going to throw a fastball," he said. "You've got the eight-hole. One big hit. That was the play of the game, obviously. I put myself in that situation. I was aggressive and a couple of curves got away from me."
Aside from Kyle Blanks, who hit his third homer in four games – and his ninth in 91 at-bats dating back to July 21 – the Padres generated little offense.
Over the past two nights, they have two runs on seven hits, although they loaded the bases in the eighth last night on singles by Nick Hundley and Everth Cabrera and an error. But David Eckstein grounded out to end the threat.
"There are going to be times in every game when a pitcher is stressed," said Black. "Stauffer couldn't wiggle out and the Cardinals did."
Latos goes Tuesday
Black said 21-year-old rookie Latos would make his next scheduled start on Tuesday. Monday's off day will give Latos an extra day's rest.


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Despite the sell-off in American Express, some options traders are betting on a quick rally this week.
Traders are betting that a key Apple supplier could face trouble when it reports on Wednesday.
Morgan Stanley says investors can expect the S&P 500 to hit 2,275 by the end of 2015. That's more than 10 percent higher than Monday's closing prices.
What's the best index to hop onto right now?
More sales may not translate into higher share prices for retail stocks.
Gold traders are keeping a close eye on Switzerland.
A significant indicator is now at its highest level in 80 years.
Hewlett-Packard's charts may indicate a buying opportunity.
The road to even higher returns will be rocky, according to Dan Morris, global investment strategist for TIAA-CREF.
Apple is hitting all-time highs but not everyone is on board the Apple train.


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Gourds growing again.
I planted my gourd in march.it bloomed alot but only ended up with one big gourd.Well NOW all them side branches on vine are blooming and have 7 gourds one is fist sized(these are either gallon gourd or a type of bottle gourd..white flowers,night bloomer)My 1st frost is(was nov 24th last yr)about a month away.so ........
1....will they have time to reach their size?
2.....if some are still small when frost hits will they be all right?
This is my 1st year growing them.I'm a coastal zone 8B south east TX.I was told I could let them cure on vine.The one from earlir in season still seems about same weight.the vine is brown about 3 inches up from gourd,but green rest of the way.It still looks good& green.
1...how long you recon will be from now till 1st one would be ready if dried on vine?
2...What effect does my humidity down here have on the drying effect?(if ran humitiy average for the month of Oct would get 65.7%)
I enjoy seeing what everyone does art wise with their gourds.The ideas just seem endless.
anyone use as planters?curious what ya do for them to work that way.
I have had grouds start late on the vines. I just let them grow until the first frost and they just end up smaller gourds than they would have been had they started earlier in the season. I live in a humid climate and I don't know if the humidity has anything to do with curing but I know that the moisture causes more mold. I love the designs that the mold makes when I clean them. I had one gourd that I made into a bowl that had a perfect turtle picture on it made from the mold. I stayed with the theme and wood burned turtles on the rest of the bowl and lid.
Good luck with your gourds.


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Type: Documentation
Status: Resolved
Priority: Minor
Resolution: Won't Fix
Affects Version/s: None
Fix Version/s: 7.1.0
Component/s: None
Similar Issues:Show 7 results
FUSETOOLS-219 title of docs should be "Fuse IDE for Camel" rather than "Working with Fuse IDE for Camel" FUSETOOLS-438 integration / regression testing of Fuse IDE - such as installing the IDE or being able to use the Camel editor to try out various things (create project, edit XML, run and browse routes etc) using an automated tool FUSETOOLS-447 Fuse IDE RCP - About - NPE FUSETOOLS-167 bit more content on the home page of the "Using Fuse IDE for Camel" doc when you open it in eclipse? FUSETOOLS-599 Starting Fuse IDE on 32bit Windows by the EXE file shows a console windows in the background FUSETOOLS-867 broker links in Fuse IDE Rider Tutorial FUSETOOLS-456 Provide informational text for the Fuse IDE About Dialog
This is probably documented in detail somewhere inside Eclipse itself (we could maybe link to its docs if we can find it in the standard eclipse help) but XPath is a common expression in Camel EIPs. e.g. a Filter or Content Based Router often uses XPath as the expression language.
Fuse IDE ships wiht an XPath view which helps evaluate Xpath expressions to see what matches etc.
You can test out XPath expressions on XML documents in Fuse IDE. Open some XML file in Fuse IDE (using the XML editor; e.g. on an XML file it should open in the XML editor or right click -> Open With -> XML Editor). then pull down menu Window -> Show View -> XML -> XPath and you get an XPath selector that lets you try out XPath expressions to see what it matches
Incidentally a common gotcha with XPath and XML is namespaces which it might be worth describing too; basically if a document uses an xml namespace (with prefix or no prefix)
this xpath won't match any <foo> elements if the XML has a xmlns="something" statement (since all elements are not in the default namespace)...
(which means "foo" local name in no namespace URI) you must use
/*[local-name() = 'foo']
to be namespace URI agnositc
Or map a prefix...
Gliffy Diagrams
- All
- Comments
- Work Log
- History
- Activity
- Links Hierarchy
Closing because we don't document Eclipse or 3rd party products.


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The facilities were clean and well maintained. The staff were very
friendly and helpful. - Anonymous
Modern boutique hotel in neigborhood of Palermo Hollywood. Its abit further away from old Palermo (about a 15-20 min walk) where most boutique stores and restaurants are situated. Stayed in the junior suite and it was supberb. The room had a kitchen and a lounge area. There's also a gym on the terrace. The hotel is close to several supermarkets and parilla restaurants, typical Argentinean grilled meat. Also had room service one night and it was delicious. Overall, it was a warm, comfortable and - Anonymous
This hotel is simply excellent in all aspects!! The spa was under renovation so could not experience that service. - Anonymous
Staff were very helpful and helped arrange all the tours which we wanted to do. - Anonymous
we were upgraded to a VIP suite. Staff was excellent and very accomodating when it came to arranging transportation to the airport. - Judy
I was overcharged and have to have letsbookhotel.com resolve it. - Anonymous
I really líked the gym And the Room. - Anonymous
I liked everything about Nuss Buenos Aires Soho. I needed a hotel as an
emergency after my initial plans fell through. I tried the Nuss out the
blue, and also based on some nice reviews online. I was not disappointed
and highly impressed. I could not have wished for anything better for
this stranger in a strange land individual. Most of all, all the staff
was superb, they all made my stay very pleasant and worry free. I
especially want to praise Victoria, the manager. Just escaping from a a
bad - Anonymous
The Staff was very congenial and gave excellent service.
The breakfast was great The location was fantastic I was there for a face lift and my doctor was only 7 blocks away which made it very convenient. I would definitely recommend the Hotel. No one speaks English but that didn't matter because you could always get your request understood. - Anonymous
Location was my favorite. Nicholas, the doorman, was especially friendly but the whole reception area was outstanding. Breakfast was good and staff was wonderful. - Peggy


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Release Date:
July 17, 2007
Based on a novel by French author Michel Tournier, this drama chronicles the redemption of Abel, a French POW responsible for kidnapping dozens of young boys for recruitment by the Nazi SS during WW II. The film opens with black-and-white shots of Abel's childhood in Paris. The year is 1925 and already he has problems getting along with teachers and students. Then he is befriended by the portly young Nestor. Abel loses his only friend during a terrible fire that demolishes the school and leaves him convinced that he has been blessed by fate to survive. Fourteen years quickly pass; the story turns to color, and the now hulking Abel is seen working in a Paris garage. He also spends time with his girlfriend Rachel. It is she who playfully dubs him "ogre" because he is rather rough in bed. Abel has always loved children. He was good friends with little Martine, until she falsely accuses him of ****** and he is sent to prison. During the war, he is freed by the German invaders who involve him with the upper echelons of the SS and give him a job as a hunting assistant on Goering's Bavarian estate. ~ Sandra Brennan, Rovi
- Genre: Historical Film
- Category War Drama, Psychological Drama
- Theme: Crisis of Conscience, Redemption, Religious Zealotry
- Run Time: 01 hr 58 min
- Language: English
- Subtitle Language: Spanish , English
- Picture Format: widescreen
- Lead Actor: Dieter Laser , John Malkovich , Volker Spengler , Marianne Sägebrecht , Armin Mueller-Stahl
- Supporting Actor: Gottfried John , Agnes Soral , Heino Ferch
- Director: Volker Schlöndorff
other Info.
- Online Item #: 11363649
- Store Item Number (DPCI): 246-01-7509
- Made in the USA or Imported


text:
You know that you had a great workout when you are starving before you're done.
You know that you had a great workout when you are starving before you're done.
If hormones were superheroes then testosterone would no doubt be king.
There are just some days when you cannot make it to the gym; plain and simple.
Holy fuck March is here.
We all want to possess the biggest wheels in the gym.
Quick show of hands – how many of you have forearm workouts scheduled this week.
It's often said that there are no bad exercises, which I believe to be completely true.
One of the best compliments that a guy can get is that he looks as if he has no neck.
Every meathead knows the expression "How much ya bench.
There is nothing more conspicuous on a guy than a pair of muscular arms.
Summer will be here before we know it bros.


text:
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Sebastian Ahrenberg, better known as Seba is a drum and bass producer and DJ hailing originally from Ingarö, an island just outside of Stockholm, Sweden. Seba is also the owner of Secret Operations, a drum and bass record label. Wikipedia
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DEFINITION of 'Down Transition Probability'
The probability that an asset's value will decline in one period's time within the context of an option pricing model. The option pricing models using a down transition probability are both the binomial and trinomial option pricing models.
INVESTOPEDIA EXPLAINS 'Down Transition Probability'
In a binomial option pricing model, the probability that an option's underlying asset declines in value over a time step may be denoted by 1-Qu, where Qu represents the probability that the option's underlying asset will increase over the next time step in decimal form.
Under the trinomial model, the probability of a down transition is equal to the probability of an upward transition or an equal transition over the next time step not happening. If we denote Qu as the probability of the underlying asset increasing in value over the next time step, Qd as the probability the value of the underlying asset will decrease over the next time step, then the probability that the underlying asset's value stays the same is 1-Qu-Qd.
Trinomial Option Pricing ModelAn option pricing model incorporating three possible values that ...
OptionA financial derivative that represents a contract sold by one ...
DerivativeA security whose price is dependent upon or derived from one ...
Embedded OptionA provision in a security that is an inseparable part of the ...
Option Pricing TheoryAny model- or theory-based approach for calculating the fair ...
Intrinsic Value1. The actual value of a company or an asset based on an underlying ...
Options & Futures
Reducing Risk With OptionsIf you want to use leverage to your advantage, you must know how many contracts to buy.
Fundamental Analysis
Find The Right Fit With Probability DistributionsDiscover a few of the most popular probability distributions and how to calculate them.
Options & Futures
Options Trading With The Iron CondorThis options strategy allows your profits to soar in a sideways market.
Options & Futures
Using Options Instead Of EquityLearn how to multiply returns and diversify risk by buying options instead of stock.
Understanding PerpetuityPerpetuity means without end. In finance, a perpetuity is a flow of money that will be received on a regular basis without a specified ending date.
Fundamental Analysis
What is a Null Hypothesis?In statistics, a null hypothesis is assumed true until proven otherwise.
Options & Futures
Top Brokers Offering Tools For Covered CallsHere are the brokers that offer the best tools for investors and traders to write covered calls and covered puts.
Effects of OIS Discounting for Derivative TradersThe use of OIS discounting has important implications for derivative valuations and could positively or negatively impact a trader's profit or loss.
Options & Futures
The Perks of Trading Coffee OptionsAs more people begin to trade coffee, we explain how coffee options work, who uses them, what drives valuations, and the risks and rewards.
Trading Strategies
Top Day Trading InstrumentsDay trading is an intense and often appealing activity. Investopedia provides the list of top financial instruments for day trading.


text:
Official Reputation System Feedback Thread
View Single Post
Career Officer
Join Date: Jun 2012
Posts: 6,822
# 331
Originally Posted by
If you mean the menu in the accessed by right clicking my character portrait, and selecting change outfit, then yes. If your are talking about the menu in the tailor to actually customize the outfit, the outfit is already customized and set in a slot... but selecting the slot to wear it does not function for M.A.C.O. or Omega Force.
I'll submit a bug report next time Im on tribble, but if I go to change my outfit using that menu and click on the costume slot with M.A.C.O. in it (aptly named M.A.C.O.) my uniform will not change. If I happen to be wearing my default TNG Film uniform that uniform stays showing. If I happen to activate the visuals for the armor item and try to change into the M.A.C.O. costume via the same menu... I get the warning that I have visuals enabled and I may not be able to see my uniform changes, and I can disable the armor visual... but my unifomr will not have changed. This only affects my M.A.C.O. and Omega Force outfits and not my TNG Film, DS9 Admiral or Diplomat uniforms. Switching between those 3 work as intended.
Tested and confirmed.


text:
USANA Promotion Code & Coupons & Promo Codes
2 verified offers in June, 2014
There are 2 USANA offers for you to consider including 2 sales. Latest offer: 'Shop Nutritionals Product starting at $15.35' In the last day, 1 promos have been used. The last time an offer was used was March 28, 2015.
Shop Nutritionals Product starting at $15.35
Used 21 times
Ends 5/31/2015
Click to Save
Check Out Diet and Energy Products starting at $5.95
Used 7 times
Ends 5/31/2015
Click to Save


text:
This top-of-the-line stroller in eye-popping colors that will grow with your child until your tot is 40 pounds. It's lightweight and sturdy, so it travels easily. And you can push it over all kinds of terrain. Backrest goes from completely flat for the littlest babies to more upright as your child grows. Comfy padded straps, foam-cushioned handlebars, and a generous storage basket. Folds easily and comes with thick, sturdy wheels.
Features: Adjustable Harness, Handle for Carrying When Folded, Buckle Closure, Canopy, Reclining Seat, Front Swivel Wheels, Ergonomic Handle, Comfort-grip Handle, Folds Up for Easy Transport, Storage Basket
Includes: Stroller
Safety and Security Features: 5-Point Harness, Locking Wheels
Certifications: JPMA Certified, Meets ASTM Standards
Care and Cleaning: Wipe Clean With Soap and Water
Min. Stroller Weight Supported: 15.0 Lb.
Max. Stroller Weight Capacity: 40.0 Lb.
Manufacturer: 6 Months and Up
Material: Steel, Polyester, Plastic
Dimensions: 42.0 " H x 18.5 " W x 33.0 " D
Weight: 17.0 Lb.
Warranty Description: 1 Year Limited Manufacturer Warranty
other Info.
- Online Item #: 14295448
- Made in the USA or Imported
Content on this site is for reference purposes only. Target does not represent or warrant that the nutrition, ingredient, allergen and other product information on our Web or Mobile sites are accurate or complete, since this information comes from the product manufacturers. On occasion, manufacturers may improve or change their product formulas and update their labels. We recommend that you do not rely solely on the information presented on our Web or Mobile sites and that you review the product?s label or contact the manufacturer directly if you have specific product concerns or questions. If you have specific healthcare concerns or questions about the products displayed, please contact your licensed healthcare professional for advice or answers.


text:
Century's Quist signs with VCSU
Bismarck Century point guard Alex Quist has signed with the Valley City State men's basketball team.
The 5-foot-11 Quist averaged 7.3 points and 2.3 assists for the Patriots, who went 23-2 last season and placed second at state. Quist had just 11 turnovers for the entire season.
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Recipe of the Day
Mushroom Toast Cups
MMMM-mushrooms! Covered in Parmesan and jazzed up with a sprinkle of cayenne pepper, these mushroom bread cups make a fun and delectable hot appetizer!
Similar Recipes | More Daily Recipes
Staff Picks
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Roasted Portobello Mushrooms with Blue Cheese
Choose your Easter dinner main dish from hams, savory lamb, and over 150 more recipes.
Bunny cakes, lamb cakes, chocolate eggs, and carrot cakes to nibble on.
Delicious recipes, party ideas, and cooking tips! Get a year of Allrecipes magazine for $7.99!
Lots of little bites add up to big fun and a stress-free party.
What's cooking in St. Louis? Four delicious appetizers.
Easy and elegant, these almond appetizers are anything but complicated.


text: I like Ordonez because it offers that small Mexican cafe feel and the food is decent. They have some nice menu selections that are reasonably priced and the service is usually very good. It is conveniently located just south of the 60 freeway about 8 miles from downtown LA. I like to dine at... read more


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Calcium and the Pancreas
February 1, 2012|
Normal pancreatic function depends on the precise flow of calcium within and into the acinar cells of the organ.
February 1, 2012|
Normal pancreatic function depends on the precise flow of calcium within and into the acinar cells of the organ.
January 1, 2012|
Not all inflammation leads to pain. Despite widespread infection followed by fever, colds rarely cause pain. But when some cytokines and certain immune cells are active near pain-sensing nerves, they trigger receptors that convey pain sensations to the brain.
October 1, 2011|
In fewer than 15 years, nanomedicine has gone from fantasy to reality.
September 1, 2011|
Early on, researchers had learned that the hippocampus was the structure in the brain where long-term memories were created and stored, but it was not known whether the different cell types within this structure might be more or less susceptible to the aging process.
September 1, 2011|
The initiating cause of Alzheimer's disease is still unknown. However, from our studies it's clear that many types of neuronal damage—from traumatic brain injury, to epilepsy, infection, or genetic predisposition—can activate brain immune cells—microglia and astrocytes-- promoting them to produce IL-1 and S100 inflammatory cytokines.
August 1, 2011|
While gut microbiota appear to have both positive and negative impacts on our health, in the guts of healthy, lean individuals, the good outweighs the bad.
August 1, 2011|
Gut bacteria that feed on healthy food appear to amplify the nutritional benefits of those foods. However, they also appear to amplify the undesirable effects of unhealthy food.
June 3, 2011|
Like other enveloped viruses, HIV exits its host cell enshrouded in the cell's membrane, which contains membrane molecules such as the human leukocyte antigens (HLA).
April 1, 2011|
Recent clinical trials have reignited the interest in simple anti-inflammatory drugs like aspirin for controlling the inflammation associated with cancer.
February 1, 2011|
Stress and inflammation Cardiovascular disease, including coronary artery disease and stroke, is the single greatest cause of death worldwide and is a major burden on health services and society.


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Winter 2015 Exhibition: Primordial Emergence
February 8 - March 22, 2015
The Pomona Cultural Center is pleased to announce the Winter 2015 Art Exhibition, Primordial Emergence, featuring oil painting by Mark Weiss and sculpture by Cristina Biaggi.
Ancient myths and goddesses are the source of each artist's vision and inspiration; the depth and contour of lines translate into expressive details and abstract forms, visually comprehensible and imaginatively impressive to the eye. Exploring the way art communicates provides an opportunity to distinguish between subject matter and content of artistic stimulation, and the essence of artist's imagination. The ancient, mystical world transcends through the stunning work on canvas and paper by Mark Weiss and the subtle sculptural work by Cristina Biaggi. Together, they transform the human spirit and invoke the power of the mythological world.
Mark Weiss studied painting at the Art Students League and graduated from SUNY Albany with a degree in Psychology. "I regard him as one of the most brilliant of the American painters. He is moving with great courage in a direction that few others find themselves able to go. A certain flatness has come over American culture and in american painting... Mark Weiss, by his tremendous skill in color and gesture, is able to move convincingly into a place where the demons and divinities can be seen by us all." Robert Bly, poet and author. "Mark Weiss is a kind of sea diver. His stunning paintings extricate underworld gifts that few artists have the aptitude to even contemplate, let alone find. He has a loyalty to his practice and its mysteries that place him far outside the village of modern art, but directly in the line of a much older tradition. The paintings both lure us forward with a hint of boar's tusk and raven's eye, but also contain many dark holes through which our imagination flies free and mischievous. The work is a rare gift to a troubled world." Martin Shaw, poet and author.
Cristina Biaggi, Ph.D., has achieved significant recognition for her varied contributions to the field of Goddess-centered art and scholarly studies. Her works are a reflection and an extension of her lifelong interest in art, archaeology, women studies, literature and classics, acquired at Vassar, Harvard and New York University. When she isn't preparing new pieces for an exhibition, Dr. Biaggi is writing and lecturing. She continues her studies in Kung Fu (Black Sash) and teaches Tae Kwon Do as a 5th Degree Black Belt. She has just finished writing her autobiography, Art and Activism, and is seeking a publisher. Her artwork has focused on creating bronze portraits of people and their animal companions, and abstract collage. In talking about her creative process, Dr. Biaggi says, "As an artist, I enjoy transitioning from realistic work to abstract work. Creating my bronzes requires my total immersion in contemplating and rendering the physical, psychological and spiritual aspects of my subjects‒a process where I must concentrate on capturing the minute details of a face and the soul beyond it."
A March Poetry Reading with The Ramapough Poets


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Winthrop Mackworth Praed
Winthrop Mackworth Praed (28 July 1802 – 15 July 1839) was an English politician and poet.
He was born in London. The family name of Praed was derived from the marriage of the poet's great-grandfather to a Cornish heiress. Winthrop's father, William Mackworth Praed, was a serjeant-at-law. His mother belonged to the English branch of the New England family of Winthrop. In 1814 Praed was ... more »
Click here to add this poet to your My Favorite Poets.
Winthrop Mackworth Praed Poems
Fairy Song
HE has conn'd the lesson now; He has read the book of pain: There are furrows on his brow; I must make it smooth again.
The Newly-Wedded
NOW the rite is duly done, Now the word is spoken, And the spell has made us one Which may ne'er be broken;
A Letter of Advice
You tell me you're promised a lover, My own Araminta, next week; Why cannot my fancy discover
The Talented Man
Dear Alice! you'll laugh when you know it, -- Last week, at the Duchess's ball, I danced with the clever new poet, --
The Vicar
SOME years ago, ere time and taste Had turn'd our parish topsy-turvy, When Darnel Park was Darnel Waste, And roads as little known as scurvy,
Good Night to the Season
Good-night to the Season!—the rages Led off by the chiefs of the throng, The Lady Matilda's new pages, The Lady Eliza's new song;
Everyday Characters V - Portrait Of A La...
What are you, Lady ? — nought is here To tell us of your name or story,
Everyday Characters I - The Vicar
Some years ago, ere time and taste Had turned our parish topsy-turvy, When Darnel Park was Darnel Waste, And roads as little known as scurvy,
A Song Of Impossibilities
LADY, I loved you all last year, How honestly and well -- Alas! would weary you to hear, And torture me to tell;
Everyday Characters III - The Belle Of T...
Years, years ago, ere yet my dreams Had been of being wise and witty; Ere I had done wth writing themes,
Everyday Characters IV - My Partner
At Cheltenham, where one drinks one's fill Of folly and cold water, I danced last year my first quadrille
Everyday Characters II - Quince
Near a small village in the West, Where many very worthy people Eat, drink, play whist, and do their best
Quotationsmore quotations »
Comments about Winthrop Mackworth Praed
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(26 April 1564 - 23 April 1616)
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(19 January 1809 - 7 October 1849)
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(31 May 1819 - 26 March 1892)
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(31 October 1795 – 23 February 1821)
Fairy Song
HE has conn'd the lesson now;
He has read the book of pain:
There are furrows on his brow;
I must make it smooth again.
Lo! I knock the spurs away;
Lo! I loosen belt and brand;
Hark! I hear the courser neigh
For his stall in Fairy-land.
Bring the cap, and bring the vest;
Buckle on his sandal shoon;
Fetch his memory from the chest
In the treasury of the moon.
I have taught him to be wise
For a little ...
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