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Lenders offer unprecedented fixed-rate mortgage deals
Saturday 11 October 1997
Woolwich yesterday cut the interest rate it offerers borrowers for fixed mortgages over five years from 6.99 per cent to 6.79 per cent. Nationwide also announced it had cut its five-year fixed rates by half a percentage point to 6.99 per cent.
The cuts follow a dramatic drop in long-term interest rates, enabling mortgage providers to borrow cheaply and pass on the savings to customers.
Earlier in the week, Abbey National launched an offer of 6.49 per cent, fixed for five years, and cut mortgage arrangement fees to pounds 250 from pounds 395. Northern Rock responded a day later by cutting its rates to 6.45 per cent. Until a week ago, very few providers offered rates of less than 7.25 per cent on five-year fixed-rate mortgages.
Industry observers believe the latest cuts create an unprecedented situation for new borrowers where fixed-rate mortgages are substantially cheaper than those with variable rates.
Most variable mortgage rates now hover between 8.25 and 8.45 per cent. But borrowers can now fix their payments at a rate almost two percentage points below this. With the next move in interest rates expected to be up, the gap is likely to grow further in the short term.
Mark Chilton, a mortgage expert at international property consultants Savills, said: "There is now a stunning differential between fixed and variable rates which may be unprecedented. Every man, woman and child in the country should be looking at this."
Mortgage brokers believe the deals on offer may be so cheap that existing borrowers as well as new borrowers may benefit from taking them up. Past experience in other countries, such as the US, indicates that borrowers benefit from switching if fixed rates are more than 1.25 points below variable rates.
The rates may only be on offer for a short time. Mortgage providers set in motion the cheaper deals at the beginning of the week when they could borrow long-term money at a rate of just 6.6 per cent. Long-term interest rates have since risen to more than 6.9 per cent.
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The Elemental Balance Test
Their result for The Elemental Balance Test ...
~ 26% Water ~ 52% Wind ~ 33% Earth ~ 41% Fire ~
There's a way out to the sea of happiness
It seems your personality is in perfect harmony; your impulses are tempered with thoughtfulness, and your emotions are balanced with a healthy amount of reason.
In order to maintain that harmony, try wearing a Jade, a Chrysoprase or an Agate; all three enhance balance and stability, as does the Snowflake Obsidian that will help remain balanced during times of change.
In detail: You are more balanced than most people. Your Ground Chakra, (associated with the element of fire and representing our basic desires and driving force), your Creative Chakra, (associated with the element of earth and representing our need to preserve and grow), your Heart Chakra, (associated with the element of water and representing our sense of love and compassion), and your Throat Chakra, (associated with the element of wind and represents our desire to learn and communicate), appear to be on an equal footing with each others.
These are the results you will get if you score highly on...
None of the four elements: Balance Wind: Gust Fire: Blaze Water: River Earth: Valley Wind & Fire: Thunder Wind & Water: Clouds Wind & Earth: Canyon Fire & Earth: Lava Fire & Water: Tornado Water & Earth: Trees Wind, Fire & Earth: Storm Wind, Fire & Water: Stars Wind, Water & Earth: Forest Fire, Water & Earth: Avalanche All four elements: Harmony
Their Analysis (Vertical line = Average)
They scored 26% on water, higher than 2% of your peers.
They scored 52% on wind, higher than 21% of your peers.
They scored 33% on earth, higher than 4% of your peers.
They scored 41% on fire, higher than 22% of your peers.
All possible test results
And I know and I believe There's a way out to the sea of happiness It seems your personality is in perfect harmony; your impulses are tempered with thoughtfulness, and your emotions are b... Read more
I've got a ruby red desire I've got to hear the red bird sing... Let's see... your personality reminds me of the... ...fiery Ruby, the red variety of corundum, or its little sis... Read more
I have tripped into a valley that is blue 'til you can see Lets see... your personality reminds me of the... ...warm Citrine that stands for abundance, protection and stabilit... Read more
You and me and everyone throwing fire at the sun Your colours are a warm orange and fiery red. You are likely energetic, ambitious, progressive and in charge of yourself. However, you may... Read more
I want to live where the sky is big Simple and free... Lets see... your personality reminds me of the... ...cool Sapphire, the non-red corundum, or its little brother, the... Read more
Change the street change the decade Still the longing's left inside... Your colours are the light blue of the sky and its exact opposite, the fiery crimson. You are likely energetic, ambi... Read more
I only wanna open wide the window and let sunlight through... Your colours are light blue, gold, and a darker orange. You are likely protective, good with money, intelligent and have shar... Read more
And the storm rushes in But it makes me feel like I'm alive again... Hey, nice. It seems your personality is mostly balanced. You are likely intelligent, ambitious, and reasonable. How... Read more
Big sky above me, a river inside me And I'm doubled up in love. Lets see... your personality reminds me of the... ...deep Emerald that promotes love, serenity and intuition. Y... Read more
I had my chance, I took a risk I asked the wind to dance Your colours are the deep green of the sea, and its exact opposite, the fiery red. You are likely emotional, romantic, passionate ... Read more
No paper, no ring In the trees where frogs sing... Your colours are the dark orange and dark green. You are likely compassionate, romantic, reliable and devoted. However, this may sometim... Read more
And if there ever was an avalanche, I'd landslide down with you... Hey, nice. It seems your personality is mostly balanced. You are likely intuitive, ambitious, and deliberate. However... Read more
Big ring around the moon It's gonna rain hard soon Your colours are the dark green of the sea and silver, but also azure and gold. You are likely romantic, gentle, intelligent and curious... Read more
Fall for me, my Southern Cross, my star... Hey, nice. It seems your personality is mostly balanced. You are likely intuitive, intelligent, and adventurous. However, if you ever feel li... Read more
In your heart there are flowering trees... Hey, nice. It seems your personality is mostly balanced. You are likely intuitive, intelligent, and devoted. However, if you ever feel like y... Read more
And I know and I believe There's a way out to the sea of happiness It seems your personality is in perfect harmony; your impulses are tempered with thoughtfulness, and your emotions are b... Read more
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subset: commoncrawl


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Latest Buzz...
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Last month the IRS has released important guidance for taxpayers, including Revenue Procedure 2014-61, which provides detailed guidance on inflation adjustments for over 40 tax provisions, including tax rate schedules and limits on itemized deductions. These changes come with the midterm elections looming next week. Regardless of the outcome, there is a high probability that…Continue Reading
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Bermuda To Host '17 America's Cup Ohno To Host Fan-Focused Speedskating Event Doha, Qatar, To Host IAAF Event In '19 ATP Offers Refund After Federer's Withdrawal USGA Not Using Rail Service For '15 Open Dayton To Continue Hosting First Four NCAA Names '17-21 Final Four Sites ESPN Announces '15, '16 Armed Forces Classics Sources: Coors Field To Host NHL Game ATP Extends Season Finale At O2 Through '16
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Canada Sports Forum Notes
More than 160 people attended opening day of Street & Smith's Sports Group's Canada Sports Forum, presented by SportsBusiness Journal and The Sports Business Daily, at the Renaissance Toronto Hotel at
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Arab-American groups call Coke Super Bowl ad 'racist'
LOS ANGELES (Reuters) - Arab-American groups have sharply criticized a Coca-Cola (KO.N) Super Bowl ad depicting an Arab walking through the desert with a camel, and one group said it would ask the beverage giant to change it before CBS airs the game on Sunday before an expected audience of more than 100 million U.S. viewers.
"Why is it that Arabs are always shown as either oil-rich sheiks, terrorists, or belly dancers?" said Warren David, president of the American-Arab Anti-Discrimination Committee, or ADC.
Coca-Cola released an online teaser of the commercial last week, showing the Arab walking through a desert. He soon sees cowboys, Las Vegas showgirls and a motley crew fashioned after the marauders of the apocalyptic "Mad Max" film race by him to reach a gigantic bottle of Coke.
In its ad, Coke asks viewers to vote online on which characters should win the race. The online site does not allow a vote for the Arab character.
"The Coke commercial for the Super Ball is racist, portraying Arabs as backward and foolish Camel Jockeys, and they have no chance to win in the world," Imam Ali Siddiqui, president of the Muslim Institute for Interfaith Studies, said in an email.
"What message is Coke sending with this?" asked Abed Ayoub, ADC's director of legal and policy affairs. "By not including the Arab in the race, it is clear that the Arab is held to a different standard when compared to the other characters in the commercial," he said.
CBS declined comment. Coca-Cola spokeswoman Lauren Thompson said Coke took a "cinematic" approach with the ad, employing the characters as a nod to movies of the past.
"Coca-Cola is an inclusive brand enjoyed by all demographics," she said in an email. "We illustrate our core values, from fun and refreshment to happiness, inspiration and optimism across all of our marketing communications."
Ayoub said ADC intended to contact Coke and CBS Corp (CBS.N) on Thursday to "hopefully start a dialog."
"I want to know why this happened and how can we fix this if possible before Sunday," he said.
The ADC garnered attention back in 1992 when it complained that lyrics in the Walt Disney (DIS.N) animated film "Aladdin" were racist.
Ronald Goodstein, professor at the McDonough School of Business at Georgetown University, said he was surprised by the image as well. "If Coke's vision is to be an arm's distance away from every customer, why would they want to offend the Arab world?" said Goodstein.
Ayoub said the commercial could harm Coke's business with the Arab community.
"Coke should understand and respect their consumers and have a better understanding of the market they are sharing," he Ayoub.
The company has a large market share in the Middle East and North Africa, he noted, and many convenience stores and other retail outlets in the United States that offer Coke are owned by Arab-Americans. (Editing by Eric Walsh)
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Outreach to kids, parents make Robles a Rodel winner
Cavett Elementary School teacher's lessons extend beyond the classroom.
Basis student competes on Millionaire TV game show
Teen appeared on Who Wants to Be A Millionaire's Whiz Kid edition.
Failing Baboquivari schools make gains despite challenges
Struggling Sells school district works to close achievement gap.
3 Tucson educators named Rodel finalists
Honorees show high level of student achievement in high-need schools.
Palo Verde High students' research recognized
Four Palo Verde High seniors participated in the University of Arizona Showcase.
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A teacher in the Indian Oasis Elementary School in the Baboquivari District works with her first-grade students.
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A Baboquivari High School student uses a touch screen during science class — one of the improvement efforts in the school district.
Student-designed holiday card to benefit TUSD
Educational Enrichment Foundation holiday cards on sale now.
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TUSD students gain knowledge, opportunity from biotech pipeline project.
Empire High finalist in tech contest
Empire High has a shot at a share of $2 million in technology.
Jazz Institute leases space at Utterback Magnet
The Tucson Jazz Institute will pay $36,000 a year.
Catalina Mountain Elks Lodge gives students dictionaries
The lodge has participated in the Dictionary Project for 11 years.
Rincon/University marching band places 4th
Ten schools competed in the division.
Palo Verde and Rincon complete improvement requirements
Both high schools launched turnaround initiatives in 2011.
TUSD brings 3 new directors on board
TUSD Governing Board approves hirings of three new directors.
TUSD's Utterback to house Tucson Jazz Institute
The Tucson Jazz Institute will pay $36,000 a year to lease space.
Manzo makes nutrition a home-grown affair
Manzo Elementary harvest to be delivered to school lunch trays.
TUSD pulls plug on Dodge expansion/boundary changes
Governing Board decides to spend $4.7 million on raises.
TUSD students, educator recognized for innovation
The students hail from Tucson and University high schools; teacher representing Pueblo.
Education Notes: Sunnyside considers calendar changes
Education news from Tucson and Southern Arizona.
Profane public shouting match puts Pueblo principal under fire
A discussion over Mexican American Studies and accountability fueled the argument.
Sierra P.E. teacher earns state recognition
Kristel Milligan was recognized by the Arizona Health and Physical Education Association.
Dodge Middle School move to larger campus likely off
Dodge Middle School move unlikely due to lack of funds, superintendent says.
Sabino High student council hosts water sustainability event
The "Thirst for Education" assembly is free and open to the public.
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Survey responses favor a carryover of TUSD's existing calendar.
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Education news from Tucson-area schools.
Tucson High students get their day in court
Tucson High students get real-life lesson in civics, history and government.
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2nd TUSD race remains close; Grijalva keeps post
Grijalva retains board seat, Hicks and Darland race for second seat.
School districts approve overrides, name new boards
Summary of Pima County school district board, override and bond races.
Darland, Grijalva leading in TUSD
Tucson Unified School District early results are in.
TUSD reviews its Ebola protocol
TUSD prepares "just in case," superintendent says.
TUSD seeks applicants for governing board audit committee
Committee helps strengthen TUSD internal financial controls.
St. Ambrose Catholic School to host fiesta Sunday
There will be food, carnival rides and entertainment.
Two Tucson teachers up for STEM award
Award honors excellence and innovation in STEM teaching in Arizona.
2 Tucson teachers up for STEM Superhero Award
The teachers represent Legacy Traditional Schools and Marana Middle School.
Chinese educators visit TUSD for fine arts lesson
The Chinese educators will observe how fine arts are integrated into curriculum.
National education leader in Tucson: Politicians hurting children
Says profiteering is also harmful to the state's educational system.
TUSD Board candidate captures sign theft on camera
Grijalva offers $500 reward to anyone who can identify the person.
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TUSD health staff members are being trained to ask specific screening questions.
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2 groups mobilizing Tucson teachers to vote
TUSD targeted as educators say they're less likely to go to polls.
Catalina Foothills teachers praised by education groups
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Charter school organization lauds Pima Prevention Partnership superintendent
The superintendent was recognized with an award from the organization.
Department of Justice joins TUSD in SRO fight
TUSD will not revisit the SRO issue until the City makes a move.
Cox Communications, its leader honored by education foundation
Hundreds turn out at luncheon, donate nearly $16,000.
TUSD candidates talk about stressed students, testing
Immigration and school resource officers also discussed.
TUSD Governing Board candidate forum tonight
TUSD Governing Board candidates to take community questions at forum tonight.
TUSD's Davidson gets new principal
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Free Maths Games For Class 5
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Hotel addressLübeckertordamm 2
How to reach the hotelGPS :N 53° 33' 26.26'' E 10° 1' 14.60''
Contact the hotel
- Tel. (+49)40/271400
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Suite Novotel Hamburg City - hotel description
Hotel code: 3756
The Suite Novotel Hamburg City is ideally situated for both work and pleasure, just 875 yards (800 m) from the main train station. Our large suites measure 323 sq.ft. (30 m2) and include a kitchenette, safe, shower, bathtub and separate WC to meet your needs, providing a flexible area to live and work. The Suite Box includes free Internet access and video-on-demand. Relax on Thursdays with a free massage. On stays over 4 days we will lend you a Smart car for free.
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Mr Jochen FUCHS, the manager of the Suite Novotel Hamburg City hotel, would like to welcome you.
See you in Hamburg
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Michael Honey
Originally published 02/10/2010
Howard Zinn's Disputed Legacy
Rick Shenkman and Michael Kazin, writing six years apart, criticized Howard Zinn's historical method, and there is much to criticize. It's true we have seen many, many instances of people at the bottom or in the middle, the masses of people, going along with those in power or even leading the charge in the wrong direction. History is full of people rooting against their own class interests. We see a lot of that today.So, historians rightly have arguments with A People's History. It is not nuanced, it is not complex enough, it is wrong in particulars. Or maybe you think it is leads people in the wrong direction altogether, creating "the left's blind spot." Presumably, a bottom up view of history is pretty simple and absolves the masses from their culpability in the affairs of the state.
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Entertainment growing in Russia
April 3, 2012 by Helen FletcherPrint this page Email this article
The amusement industry in Russia has grown significantly in the last five years and has become an important part of cinemas and shopping malls, according to operator GameTrade.
Speaking with InterGame at the RAAPA show held in Moscow recently, GameTrade's Yaroslav Sobko said: "We now have a lot of companies with their own brands and customers know them well. The entertainment business is now an important part of the cinemas and shopping malls and everyone understands it. "But only the effective companies will be successful; the companies that take care about their clients and work hard on customer loyalty. The main difference in Russia is that bowling is still growing in popularity compared with markets such as the US and Europe." GameTrade, which currently operates three FECs in Russia and five in the Ukraine, offers solutions for entertainment centres - developing, designing and planning the project as well as supplying the equipment and training.
TimeZone brings the carnival to the Philippines
FEC operator TimeZone, part of the Leisure and Allied Industries group, is rolling out a new concept of carnival-inspired games at a number of its locations.
Councils call for cut in FOBT stakes
A group of 93 councils in the UK is calling on the government to reduce the maximum stakes on B2 gaming machines, also known as FOBTs, from £100 to £2.
Semnox launches new kitchen solution
India's Semnox Solutions has added a new Kitchen Display System for kitchen management at restaurants and food courts to its suite of products for the amusement park and FEC industry.
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4 times a charm: Former BofA CEO Ken Lewis sells Charlotte mansion for $3.15M
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It took three years, a 30% discount and a new realtor, but Ken Lewis finally sold his 7,100-square-foot estate in Morrocroft Farms.
Lewis, the retired CEO of Charlotte-based Bank of America, and his wife, Donna, sold the home in January to Jarrod and Frederique Daniel of Atlanta for $3.15 million, according to property records. Jarrod Daniel has worked as a plastic surgeon in Atlanta and at the Mayo Clinic in Rochester, Minn., according to an Internet search.
The Lewis home originally listed for sale at $4.5 million in January 2010, just days after Lewis handed the reins of the company to now-CEO Brian Moynihan. Lewis remained a Charlotte resident, purchasing a luxury townhouse in Myers Park.
The Morrocroft home (see photos here) is described in a real estate listing as an "exquisite custom home on a very private lot" with his and her's dressing rooms, luxurious bathrooms, chef's kitchen with paneled walls, a three-car garage and formal gardens. The home was designed by architects Ken Pursley and Ruard Veltman and custom-built for the Lewises by Whitlock Builders in 2003.
Lewis reduced the price four times. He took it off the market last summer, then listed the home again in August with a new Realtor, SouthPark's HM Properties. It had been listed with CottinghamChalkHayes.
When Lewis first listed the home for sale, The Wall Street Journal reported the house had been the site where Lewis and ex-Merrill Lynch CEO John Thain first discussed selling Merrill to BofA.
Irreverent Wall Street blog Dealbreaker wondered if the private pond on the home's grounds is where Lewis may have mused, "Is this Merrill thing a good idea or a great idea?"
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Emperor sees stable gains in retail rents
Posted Jun 21st 2012, 12:00am
... that there was only a 5 per cent difference in rents between the two places last year. Monthly retail rentals on Russell Street, where Emperor has 63,400 square feet of retail space, tripled in three years ... to HK$465.47 million. It proposed a final dividend of 6 HK cents, giving a total dividend of 10.3 HK cents for the year. 32% The rise in retail rents in prime locations in Hong Kong last year, ...http://www.scmp.com/article/1004477/emperor-sees-stable-gains-retail-rents
Shanghai project lifts Henry's stock 18pc
Posted Feb 21st 2008, 12:00am by Yvonne Liu
... the removal of existing structures. It is due to be completed in the first quarter of 2012. 'It is too early to predict the retail rents of the project,' Mr Ng said. 'But the average retail rent in the area is about 50 yuan per square metre. The project could bring high rental yields even if retail rents stay at this level.' However, Mr Ng said he expected retail rents ...http://www.scmp.com/article/627007/shanghai-project-lifts-henrys-stock-18pc
Fresh food sales fall as spending gap gets bigger
Posted Aug 02nd 2011, 12:00am
... spending power is driving up rents to an unrealistic level, while local consumers have to cut down on food and daily items because of rising inflation.' Overall retail sales jumped 28.8 per ... the consumption pattern was unhealthy. 'Retail rents in Russell Street in Causeway Bay and Queen's Road in Central are now ranked the second and the third most expensive in the world,' she ...http://www.scmp.com/article/975091/fresh-food-sales-fall-spending-gap-gets-bigger
HK$1b Causeway Bay block for sale
Posted Jun 14th 2012, 12:00am
... and rising retail rents, property investors are scouting for commercial buildings and other retail properties, particularly in areas that are top destinations for mainland shoppers, such as Causeway ... Yvonne Liu firstname.lastname@example.com A local investor is set to release his HK$1 billion retail-residential building in Causeway Bay for tender as commercial property prices in the city go ...http://www.scmp.com/article/1003942/hk1b-causeway-bay-block-sale
Tourists, HK dollar take sales to a six-year high
Posted Aug 30th 2011, 12:00am
... and sky-high rents are eroding their margins,' Mak said. Retail sector wages have risen by up to 20 per cent since the new minimum wage law took effect in May, while rents have risen by 20 to 25 ... Anita Lam firstname.lastname@example.com The weak Hong Kong dollar and a steady stream of shop-till-you-drop mainland visitors lifted retail sales in the city to a six-year high last month. Retailers ...http://www.scmp.com/article/977587/tourists-hk-dollar-take-sales-six-year-high
Revaluation gain lifts Chinese Estates earnings
Posted Aug 10th 2006, 12:00am by Sandy Li
... of securities and other treasury products. The company, which derives its main income from renting office and retail space in prime areas such as Causeway Bay, said underlying profit, excluding ... a year earlier. The company achieved an average 60 per cent rise in monthly rents for office premises and 40 per cent growth for retail properties when leases came due for renewal. Even so, ...http://www.scmp.com/article/559743/revaluation-gain-lifts-chinese-estates-earnings
Rising hotel rates buoy Harbour Centre interim
Posted Aug 16th 2006, 12:00am by Peggy Sito
... this month. Office and retail space at the Marco Polo Hongkong was almost fully rented during the period, while retail space at Star House near the ferry terminus in Tsim Sha Tsui was 88 per cent ...http://www.scmp.com/article/560400/rising-hotel-rates-buoy-harbour-centre-interim
35pc profit rise has Sa Sa glowing- for now
Posted Jun 16th 2012, 12:00am
... locations would face rent rises of two to three times that rate. Last year, the retailer closed 11 stores in Hong Kong and Macau because of an 'unreasonable increase in rent', he said. ... Angela Che and Charlotte So Cosmetic retailing group Sa Sa International Holdings, which reported a 35 per cent year-on-year rise in net profit for the 12 months ended March, expected ...http://www.scmp.com/article/1004080/35pc-profit-rise-has-sa-sa-glowing-now
Peninsula pushes owner?s earnings up 31pc
Posted Mar 15th 2007, 12:00am by Denise Tsang
... Peninsula, rose 12 per cent on average while rent at serviced apartments and retailing spaces increased across the board. Turnover rose 13.64 per cent to HK$3.72 billion.?The Hong Kong business has ...http://www.scmp.com/article/585132/peninsula-pushes-owners-earnings-31pc
600,000 expected at gadgets fair
Posted Aug 05th 2009, 12:00am by Peter So
... to recover,' chamber chairman Leung Ding-kau said. But he said retail sales remained 20 per cent down on the same period last year. Mr Leung estimated 620,000 visitors, 20 per cent more, would attend and that business turnover would increase by more than 15 per cent. More than 900 booths have been rented by 250 exhibitors from the mainland, Taiwan and local industries- compared with 650 booths rented ...http://www.scmp.com/article/688887/600000-expected-gadgets-fair
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76 Comments | Add Yours
8.happily ever after
9.read the book then see the movie
10.DIY all the way baby!!!
Girls Life I <3 YOU!!!!!!!!!!!!!!!!!!
by pinterest on 1/18/2013 9:47:06 PM
1. Both, please?? Haha!! Probably iPhone
2. Beautiful blue
3. Ugh. Math, I guess.
4. Shopping && Soccer
5. Semi~bold
6. I couldn't handle either!! So glad my vision is 20/20 !
7. Cupcakes!!!
8. H a p p i l y ever after
9. Depends...
10. DIY, of course ;)
by AlwaysDreamer on 1/18/2013 8:55:10 PM
1. laptop
2. blue-green eyes
3. art
4. shopping
5. bold guys?
6. contacts
8. no idea
9. read the book then go see the movie
10. do it my self
by meepala21 on 1/18/2013 8:21:52 PM
Someone submit a new survey!! I did, but for some reason its not being posted..:-( lol
by maggie183 on 1/18/2013 5:27:22 PM
Phone, blue eyes, art, shopping, bold guys, contacts, cupcakes, no such thing, see the movie, do it yourself.
by fashionista997 on 1/18/2013 5:24:56 PM
1. iphone
2. blue eyes
3. art
4. shopping
5. shy guys
6. glasses
7. cupcakes <3
8. happily ever after
9. read the book
10. do it yourself.
Lol just my opinion.
by chiara56 on 1/17/2013 10:19:24 PM
1. iphone
2. blue eyes
3. art
4. sports
5. bold guys
6. cupcakes
7. no such thing
8. read the book
9. do it myself
by Smasheroo on 1/17/2013 1:31:03 PM
Green eyes
Bold guys
No such thing
Ask for help
by gymnastqueen22 on 1/16/2013 6:04:59 PM
1. iphone. I hate computers
2. I actually prefer brown eyes, but I'd say green eyes
3. art
4. shopping
5. shy guys
6. glasses
7. cupcakes
8. happily ever after
9. read the book
10. depends on the situation
by dramaticstar on 1/16/2013 1:42:18 PM
1- iPhone
2- Blue Eyes (oh i just love Tom Felton's :-*)
3- Math
4- Sports
5- Bold Guys
6- Glasses
7- Cupcakes
8- no such thing
9- Read the book
10- Do it yourself
by Amrita(Amy) on 1/16/2013 7:31:35 AM
Love reading? Want to start an awesomely edgy new series?
We're kicking off our Lunar Chronicles Book Club with Cinder, the first story in this futuristic series with a fairytale twist.
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Pathfinder Society Scenario #6–06: Hall of the Flesh Eaters (PFRPG) PDF
Liber Influxus Communis WIP (PFRPG) PDF
Dungeons & Dragons Fantasy Miniatures—Icons of the Realms, Set One
Pathfinder Battles—Lost Coast
Bullet Points: 6 Godling Feats (PFRPG) PDF
Rogue Genius Games(based on 4 ratings)
Sometimes rules supplements read like the world-setting bible of frustrated novelists. While solid world-building is a useful skill, you don't always need four paragraphs of flavor text to tell you swords are cool, magic is power, shadows are scary, and orcs are savage. Sometimes a GM doesn't have time to slog through a page of history for every magic weapon. Sometimes all that's needed are a few cool ideas, with just enough information to use them in a game. Sometimes, all you need are bullet points.
#1 With A Bullet Point is a line of very short, cheap PDFs each of which gives the bare bones of a set of related options. It may be five spells, six feats, eight magic weapon special abilities, or any other short set of related rules we can cram into about a page. Short and simple, these PDFs are for GMs and players who know how to integrate new ideas into their campaigns without any hand-holding, and just need fresh ideas and the rules to support them. No in-character fiction setting the game world. No charts and tables. No sidebars of explanations and optional rules. Just one sentence of explanation for the High Concept of the PDF, then bullet points.
The High Concept: Six feats designed to expand the roles and utility of the four godling character classes and similar godling-powered characters, useable with The Genius Guide to the Godling, The Genius Guide to the Godling Ascendant, and The Genius Guide to Mystic Godlings.
The feats included are:
As a thank you to all of our customers for giving us 8 out of 10 Top Downloads From Other Companies here on paizo.com two weeks in a row, this product is free!
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Fulfilled immediately. Will be added to your My Downloads Page immediately upon purchase of PDF.
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Product Reviews (4)
Chaotic Neutral....Lawful Good for Money,
General Discussion: Kineticist,
Time for the Tomb of Borrors!,
Why low magic?,
Feelings about Eberron,
Creating magic items with different slots?,
Spirit of the Retraining rules,
Online community seeking like-minded people,
Deep 6 FaWtL,
Arcana Evolved Conversions - What Would You Like to See?,


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Non-Profit Community Outreach- Entry-Level Event Corrdinator Positions
Event Coordinator for International Non-Profit Organization:
Our internationally-based firm works to represent a myriad of international non-profit organizations that help make a difference to help fight for women's rights, child poverty and human trafficking, and ...
Nov 22 -
Manhattan - Everything else
Entry Level Sales - Representative For Non profit
Allure Marketing Group is hiring for entry level sales and marketing positions. As an outsourced marketing firm, our clients hire us as a satellite marketing and sales office without the headaches, expenses, and overhead that come with doing it themselves. Our company holds ...
Nov 17 -
New York - Sales & biz dev
Entry Level Marketing Ambassador For Non Profit
Nov 17 -
Staten Island - Marketing & PR
New Business School Grads Wanted! Entry Level Business For Non Profit
Allure Marketing is a marketing company dedicated to helping our clients, international non profits, acquire the funding they need.
Want to work in a position that is rewarding and makes a difference with the work that you do? Recently expanded with a non profit ...
We are currently seeking 10 hungry individuals to assist in the growth of our company over the next 12 months and beyond.
About us:
We specialize in increasing a brand's base through face-to-face sales and marketing for international non profit organizations. There are ...
Nov 17 -
Brooklyn - Sales & biz dev
Customer Service Rep Wanted For Non Profit.
Allure Marketing Group is hiring high energy candidates for its newest nonprofit client.
The candidate is responsible for outside fundraising and marketing on behalf of a 63 year old charity. We have been allocated a multi-million dollar marketing budget for our newest ...
Nov 17 -
New York - Customer service
Entry Level Brand Ambassador For Non Profit
Allure Marketing Group is a dynamic marketing company dedicated to helping our clients, international non profits, acquire the funding they need.
While most companies aren't willing to hire entry-level, we think they miss out on great talent. Our approach is to hire ...
Nov 17 -
Brooklyn - Everything else
Who We Are: Allure Marketing Group is a fundraising and marketing firm that works on behalf of large nonprofits and charities to raise brand awareness and acquire donors in the New Jersey area. We are looking for intelligent, reliable people to join a dynamic office ...
Nov 17 -
Brooklyn - Marketing & PR
Immediate Start Full Training Provided For Non Profit
Allure Marketing Group is currently hiring entry level individuals with a customer service & sales background for the Account Executive position. We have found that candidates working in retail, restaurant, hospitality or customer service positions have transferable skills ...
Nov 17 -
Brooklyn - Customer service
Looking To Make A Difference? Hiring For Non Profit
Nov 17 -
Staten Island - Everything else
Looking to make a difference? Hiring for non profit
Entry Level Non Profit Representative
We are looking for new Entry Level representatives to help represent our non-profit clients. This year we are looking to take on new campaigns and clients as well as expand our services internationally. Currently, we work for non-profit organizations such as The Nature ...
Nov 17 -
New York - Everything else
Director, Non-Profit
Job Description
Director needed for small non-profit organization headquartered in northern Queens, NY. The Director will lead a small staff of employees and volunteers. The Director must have at least 5 years of Operations/Management supervisory experience. The Director ...
Nov 12 -
Saint Albans - Everything else
Accounting/Finance Manager Non Profit
Accounting/Finance Manager $60,000 - $65,000
About the Opportunity:
Our client is looking for dynamic and tech savvy Accounting/Finance Manager with 5 years + of Non Profit experience working with a diversity of smaller NFP organizations, with exposure to several ...
Nov 11 -
Manhattan - Accounting & finance
Entry Level Non Profit Marketing
We are looking for 4 fresh-minded Entry Level Marketing Representatives to join our team! We are a charity-minded firm that focuses on event marketing, brand promotion, customer acquisition, and building relationships with both customers and clients. We seek new talent to ...
Nov 11 -
New York - Marketing & PR
Entry Level Client Relations Manager For Non Profit
Mana Group is looking for an entry level client relations manager. The strong demand for our specialized marketing strategy has created an opportunity for continued growth over the next few years. To satisfy our current client base and the future needs of prospective clients ...
Nov 10 -
New York - Marketing & PR
Entry-Level Non-Profit Charity Project Looking for Recent Graduates
Mana Group is hiring high energy candidates for its newest nonprofit client.
The candidate is responsible for outside fundraising and marketing on behalf of a 75 year old charity. We have been allocated a multi-million dollar marketing budget for our newest client and are ...
Nov 3 -
Manhattan - Marketing & PR
Director, Marketing & Communications (Social Non-Profit Start-Up Vibe)
Director, Marketing & Communications (Social Non-Proft Start-Up Vibe)
Location: Los Angeles, CA
Salary: $125K-$150K+, Negotiable, based on experience and level of expertise..
Relocation: Yes, relocation assistance will be provided for highly qualified candidates.
Sep 27 -
New York - Business & management
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- Freeport murder suspect Damon Dixson taken into custody in Rockford
- Local gas station employee arrested for selling liquor to minor
- Renewable Fuel Standard delay 'a mixed blessing,' Bustos says
- Rockford delegation presents inaugural 'Rockford Award' to Norwegian Air
- Education in Illinois making slow progress, according to report
- Illinois GOP Congressional delegation: Obama's immigration plan undermines rule of law
- Suspect, 17, charged in Halloween hit-and-run in Roscoe
- Saint Anthony College of Nursing president to retire
- Man found guilty in deadly August 2013 crash at Mulford and Garrett Lane
- 'The Price is Right Live!' at Coronado March 1; tickets on sale Nov. 21
Leaf mulching and fertilizer: A back-saving, soil-enriching way to deal with fallen leaves
Courtesy of ARA Content
As Mother Nature adorns the trees in your yard with riotous reds, vibrant yellows and exotic oranges, you can easily get swept up in the romance of the season—until those leaves turn brown, drop from the branches and litter your lawn. Then, you start to think of the hours of backbreaking raking work ahead of you.
This autumn, why not try working with Mother Nature by mulching those leaves instead of raking, bagging and condemning them to a landfill?
Leaf mulching is a time-saving, environmentally-friendly way to deal with fallen leaves. Plus, if you live in a community that has cut back on collection services because of the economy, mulching can solve your dilemma of what to do with the leaves littering your lawn.
"It doesn't make sense to rake leaves and bag them, just to have them end up decomposing in a landfill," says Dr. Phil Dwyer, senior scientist at The Scotts Miracle-Gro Company. "Leaf mulching recycles a natural resource and enriches the soil of your lawn for free."
In fact, turf benefits by receiving more nutrients when you mulch fall leaves back into the lawn instead of raking them, according to a study by Michigan State University turfgrass researcher Thom Nikolai and ScottsMiracle-Gro scientists. Recycling fallen leaves saves time and money, adds nutrients to the soil, speeds spring greening and reduces weeds.
Here's how to recycle this fall's crop of fallen leaves:
υ Remove the grass catcher from your lawn mower. Mow over the leaves on your lawn. Repeat until they are reduced to dime-sized pieces.
υ Mow until you see about half an inch of grass through the mulched leaf layer.
Any kind of rotary-action mower will do the job, and all kinds of leaves can be mulched. Throughout the season, you can chop up to 18 inches total of leaf clutter with several passes of the mower. Having a somewhat thick layer of mulched leaves is OK as long as you can still see the green grass blades poking through. As leaf bits settle into the ground, microbes and worms get to work recycling them.
Once you've enriched your soil with leaf mulching, don't forget that fall is the best time to feed and seed your lawn. A few simple steps can help ensure that your lawn will be strong next season and beyond:
υ After mulching, feed your lawn with Scotts Turf Builder WinterGuard fall lawn fertilizer to help build strong, deep roots for a better foundation and a more robust lawn next year. The nitrogen in the fertilizer will also help the mulched leaves decompose faster. Be sure to sweep excess fertilizer off hard surfaces like driveways and sidewalks.
υ After feeding, spread seed where needed. To reseed your bare spots, dig up bare areas, mix in compost, sow your seeds and cover with more compost. If the weather is dry, keep the seeded soil moist until new grass begins to grow. Seeding autumn bare spots will thicken the lawn and make it more resistant to future bare spots.
To learn more about leaf mulching and autumn lawn care, visit www.scotts.com.
From the November 11-17, 2009 issue


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Sharjah Cricket Association Stadium, Sharjah ,11/26/2014, 11:30 (IST)
Shere Bangla National Stadium, Mirpur ,11/26/2014, 12:00 (IST)
Zahur Ahmed Chowdhury Stadium, Chittagong ,11/21/2014, 13:00 (IST)
Bangladesh beat Zimbabwe by 87 runs
Zahur Ahmed Chowdhury Stadium, Chittagong ,11/23/2014, 12:00 (IST)
Kirk Douglas (born Issur Danielovitch;[1] December 9, 1916) is an American actor and film producer recognized for his cleft chin, his gravelly voice and his recurring roles as the kinds of characters Douglas himself once described as \"sons of bitches\". He is the father of Hollywood actor and producer Michael Douglas. He was #17 on the American Film Institute\s list of the greatest male American screen legends of all time.
Who is your favourite foreign actress in Bollywood?


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Quiz! How Well Do You Know the Hunger Games: Mockingjay Pt 1 Actors?
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Download Your Taylor Swift Bingo Card and Start Playing Now!
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June 26th, 2013
Even though her name may not sound too familiar, Bonnie McKee has written some of the biggest pop songs in the past few years. Having helped Katy Perry pen a number of hits including Teenage Dream, California Gurls, Last Friday Night (T.G.I.F.) and Wide Awake, McKee has also teamed up with almost everyone in the music scene right now – Avril Lavigne, Carly Rae Jepsen, Britney Spears, Christina Aguilera, Ke$ha, the list can go on and on!
McKee has finally stepped into the spotlight, though, with her single American Girl. The song, which we can totally imagine a Katy Perry or Ke$ha singing, is a definitely pop hit in the making and the video will definitely help get some attention.
Featuring cameos from a number of her old collaborators, this star-studded clip is fun and destined to go viral. Katy Perry in her PJs, Macklemore in a bathtub, Ke$ha glammed up and singing along and even rockers KISS making an appearance, try to spot every cameo in this video!
Watch below and let us know what you think of the song and the clip!
Tags: american girl, bonnie mckee, Music Video, News
Posted on Wednesday, June 26th, 2013 at 5:04 pm by Melody and is filed under Blog, Celeb Life, Music, News.Tweet


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20 Train or Rail Operator job ads & opportunities in the Alexandria, Virginia area
« Alexandria job listings index · Logistics & Transportation
Job listings, help wanted ads and employment postings (last updated on Saturday, November 22)
|Shown below: jobs by
Owner Operator Intermodal Truck Drivers- $1500 Sign-On Bonus - Home Most Nights
Greatwide – Alexandria, VA – LinkUp.com
…Greatwide Truckload Management (GWTM) realizes that our Drivers are the foundation of our company and we strive to help them be successful. Containers in and out of the … MORE INFO
$150,000+ Owner Operator Class A Wanted
TopGear Logistics – Washington, DC – ClassADrivers.com
Make over $150k a year and become a part of team that really cares about you and have fun doing it! Owner Operators with the emissions system: We have a position that … MORE INFO
Owner Operators Great Pay Steady Work!!
Oakley Trucking – Alexandria, VA – JobsinTrucks
…### and find out how Oakley Trucking can work with you!! 100% owner operator Excellent pay & steady work year round Financially stable. Never worry about getting … MORE INFO
CDL-A Owner Operator Truck Drivers
Hub Group Trucking – Fort Washington, MD – Start Wire
…We know that miles and pay are justClass A Commercial Driver's License 25+ years of age - minimum 1 year van experience 23 years of age - minimum 2 years van experience … MORE INFO
CDL A Owner Operators-Steady Freight + Great Pay!
Triple Crown Services – Alexandria, VA – JobsinTrucks
…GREAT EARNINGS. PRETTY SURPRISING, RIGHT? Triple Crown Services , the # 1 Owner Operator Road Railer company has an immediate need for Owner Operators and Lease Purchase … MORE INFO
CDL-A Owner Operator Solo Truck Drivers
XPO Express – Alexandria, VA – JobsRadar
…paid No forced dispatch Pickup/drop off pay Whether you are a semi, straight truck, solo owner operator or team, take a minute to fill out our short form and let s see … MORE INFO
Class A CDL Owner Operator Truck Drivers
Super Service, LLC – Alexandria, VA – JobsRadar
…Service Super Service has independent contractor openings available for outstanding owner operator truck drivers and fleet owners who want stable, quality freight to … MORE INFO
Truck Operator
GetTruckerJobs.com – Washington, DC – GetWarehouseJobs
…Team Truck Driver, Heavy Equipment Truck Driver, Company Truck Driver, Owner Operator Truck Driver, Oilfield Truck Driver, Long Haul Truck Driver, Vocational Truck … MORE INFO
Snow Equipment Operator /Labor
TruGreen LandCare – Alexandria, VA – Snagajob
An Equal Opportunity/ Affirmative Action Employer AA/EOE/M/F/D/V Job Title: Snow Equipment Operator /Labor At TruGreen LandCare, we do so much more than care for … MORE INFO
Owner Operator
Sammons Trucking – Alexandria, VA – JobsRadar
…We support our owner operators 110% with friendly and efficient office staff. We do require our contractors to run Rand McNally electronic logs. Here at Sammons Trucking, … MORE INFO
CDL-A Owner Operator Truck Driver
UPS – Alexandria, VA – JobDiagnosis
…UPS offers a very competitive compensation package for Owner-Operators whose runs are primarily terminal-to-terminal hauling driver-friendly drop-and-hook freight. … MORE INFO
Trucking Options/ Celadon - District Of Columbia - Company Driver Solo, Company Driver Team, Owner Operator Solo, Owner Operator Team
Trucking Options/ Celadon – Washington, DC – Every Truck Job
…has one of the lowest driver turnover rates in the industry. If being an owner operator is what you desire, Celadon has the best lease purchase deal going. We have found … MORE INFO
Anderson Trucking Service, Inc. - District Of Columbia - Company Solo, Driver Teams, Owner Operator Solo, Owner Operator Team
Anderson Trucking Service, Inc. – Washington, DC – Every Truck Job
…best truck driving opportunities for over 58 years. Company Driver, Owner Operator & Per-Certified/Lease Purchase contracts. We currently have truck driving jobs for … MORE INFO
Barr-Nunn Transportation - District Of Columbia - OTR Company Driver Teams and Owner Operator Teams Needed
Barr-Nunn Transportation – Washington, DC – Every Truck Job
…Terminal Locations: Granger, IA / Charlotte NC / Manchester, PA/Columbus OH Owner Operator Teams Owner Operators will receive performance bonuses of $800 or $975 every … MORE INFO
Werner Enterprises - District Of Columbia - Company Driver Solo & Team Owner Operator Solo & Team, Student/ Recent Grad
Werner Enterprises – Washington, DC – Every Truck Job
…Werner is among the five largest truckload carriers in the United States and maintains its headquarters in Omaha, Nebraska, near the center of its service area with … MORE INFO
Heartland Express - District Of Columbia - Owner Operator Solo, Owner Operator Team
Heartland Express – Washington, DC – Every Truck Job
…At Heartland Express, our vision is to be the best. We want you to be a part of it. We're offering regional, dedicated, salaried and over-the-road driving opportunities … MORE INFO
Prime Inc. - District Of Columbia - Company Driver, Company Driver, Owner Operator , Team Drivers, Student / Recent Grad, Lease
Prime Inc. – Washington, DC – Every Truck Job
…At least 21 years old A valid CDL. Your CDL must be from the state that you declare to be your point of permanent domicile. To join the student program must have valid … MORE INFO
KLLM - District Of Columbia - Company Drivers, Owner Operator , Students and Lease Program Offered!
KLLM – Washington, DC – Every Truck Job
…Life at home is one of the most important things to our drivers, and KLLM works to make sure there's time to enjoy it. More drivers are making KLLM their home because … MORE INFO
Now Hiring Company Drivers- Refrigerated
Central Refrigerated Service Inc. – Arlington, VA – ClassADrivers.com
…pay package that accommodates all drivers from student graduate, company driver or lease operator after just 8 months. We offer dedicated, regional and long haul runs. … MORE INFO
Owner Operator /Independent Contractor Truck Driving Job
US Xpress, Inc – Annapolis, MD – ClassADrivers.com
Owner Operator /Independent Contractor Truck Driving Job $1,000 Sign-on Bonus. Call today and start right away!Don't Wait, Call Now! ###At US Xpress, we know you do more … MORE INFO


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ha, my fiance' wanted me to make the irish red lager for her.. so she had to get her head on the lable..
she is actually very pretty.. im lucky my ugly arse has her..
Welcome to sleeping on the couch my friend.
haha.. thanks..
ya, she's not gonna be happy about that at all
well.. she actually wanted it done.. but prolly not to that extream.. haha we'll see
the teath kinda put it over the top for me.. haha
I'm hoping that's a Photoshop job and not the result of a domestic violence incident. 'Cause it kinda looks like you beat the crap out of her.
lol i went out with a zombie once......but it didnt work out...it was me i think...i dunno....but anyway nice lable !
You turned HER into THAT? You've got some talent my friend.
Curious about the zombie inspiration. Where'd it come from? I consider myself an afficienado of the undead.
When people ask what I do for a living, I say I brew beer. No, not as a profession, but to live.
well.. just love all the zombie movies, and games.. ha..
my friends an I always think of our plans if zombies actually took over the earth... where would you go?? we always said walmart or something, but i think that there would be too many people and not enough protection... maybe the ocean on a boat?? who knows! whats your thoughts???