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Today was my weigh in day. I lost 2lbs last week. I was hoping for 3 but I had a huge loss the previous week so I'm assuming my body is balancing it all out. Anyways a loss is a loss and I'm excited. I was crazy busy last week so didn't get to blog much, but it went well. Took my son to boo at the zoo, and he's been trick or treating. I'm happy to say I've been avoiding the candy. I actually left his Halloween candy at my moms. He can have it as a treat when he goes there. He's 2 so he doesn't mind lol. And it keeps it out of my face. This week I am going to try to blog a little more. I'm sticking with the 2.5 miles for another day or 2. I want to take another minute or so off my time. Probably mid week I'll start doing 2.75. Then next week it's on to 3 miles. I've decided that for winter I'll probably stick to running 3 miles and not trying to go further. I don't wanna be outside any longer than I have to freezing my butt. I hate treadmill running though. So my goal is going to be just doing the 3 miles all winter long and getting faster at it. Then in spring I'll start increasing my distance again. I want to do a 10k next year. I also want to do an obstacle run or two next year. I'm bummed that I wasted so much of this year making no progress at all. But it is what it is. All I can do is move forward now. I know it seems a little crazy to be starting a serious diet when the holidays are coming around, however I can not stand to be fat another minute. Lol. Holidays or not holidays, I'm doing this. I'm ready to reach my goal weight and stay there.
Well my first day of week 2 is going great. I went on a run today. I ran 2.5 miles again, and took a minute off my previous time! I also did 30 minutes of strength training on my lower body. I'm going to be sore tomorrow, so my workout for tomorrow will just be an easy walk. I'm gonna go 3mph for 60 minutes. Then later I'll get some added walking in because I'm taking my little man to Boo at the Zoo. Should be fun. I've been sticking to my healthy diet as well. It's only been a week and I can already tell a huge difference in the way I feel. I have so much more energy. My goal this week is to lose at least 2lbs, but hopefully 3. We'll see how it goes!
My first week of being back on track went great. I weighed in and was actually 3lbs less than my goal weight for the week! I'm so excited. I stayed in my calorie range every single day and ate super clean. I've also been been exercising like crazy. I'm up to running 2.5miles at a time. This week my goal is to run the same distance, but just in a faster time. I plan to run every other day, then do other forms of cardio in between. I'm also going to do strength training 5-6 days this week. I feel so good to be back on track. I'm ready to get back to where I was, and go even further!
So I am a little over half way through my first week of being back on track. I snuck in a weigh in and I'm already at my goal for the week. So as long as I eat right the next few days and continue working out, I think I will pass my goal! That's exciting. I feel like I am totally back on track. I have been working out every day, and eating super healthy. Today I went grocery shopping. I loaded up on tons of healthy stuff, then spent about an hour washing and cutting up fruits and veggies for the week. I also cooked some grilled chicken breasts in advance for my meals the next 2 days. I'm working two 12 hour night shifts back to back, so it's nice to be prepared. Today I ran 2.25 miles and walked 2.75miles for a total of 5 miles. I'm happy with that. Tomorrow the plan is to walk on the treadmill at the gym at 15% incline for 30 minutes, then come home and do a core strength training dvd for 35 mins. This DVD is killer. I'll definitely be feeling it the next day. It's so nice to be sore again! Tuesday I am going to run 2.5 miles. Then do strength training on my legs and glutes. I want to work up to running a 5k by November 15th, so I am really going to have to push myself in my runs to increase my distance. As of now, it seems very doable. I'm excited!
I saw that line in a quote yesterday while I was browsing Facebook, and it really inspired me. I've been absent from Sparkpeople for quite a while. I also haven't been trying very hard to lose weight, and therefore, haven't been successful. There are tons of explanations and excuses that I could make, and I have plenty of regrets, but I've decided I'm not going to dwell on the past and what I should/shouldn't have done. I am ready to restart my journey, and I plan to live by that line. I am done making excuses. I want to eat well, exercise, and live my best life possible, so I have no regrets. Yesterday I went running. I only made it 2 miles, but that's the farthest I've gone in probably 5-6 months. After running I walked another 2 miles. I'm excited to get back into running regularly and see what I can do. I want to lose the rest of this weight once and for all!
I'll be heading to sleep soon, but when I wake up in the morning I'm planning on going to the gym. I'm going to do 30 walking at a 15% incline and 30 minutes strength training upper body.


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This 1970 BMW 2800CS is an excellent original driver equipped with a manual transmission. It's very solid and straight overall. It also runs strong... More
2009 BMW 535i Sedan Just arrived. Two owner since new and in fantastic running and driving condition. With mileage of just... More
One-owner 2011 BMW 328xi sedan. Space Grey Metallic, Premium Package II, GPS Nav, Bluetooth, iPod/USB Integration, Black Dakota Leather Upholstery, HD Radio, Dinan Sport... More
The 135i Convertible might be among the more affordable BMW models, but they come with one of BMW's best gearboxes-- the available 7-speed dual-clutch... More
GR Auto Gallery is pleased to present this 1991 BMW 850i Coupe for purchase. This vehicle is powered by an aluminum 304ci 5.0L V12... More
BMW launched its new 3.0 Coupe Sport or CS series Coupes in 1968 to add power and athletic handling to the BMW lineup. While... More
2006 Sporty and Sexy BMW 4 Roadster. Available at our Las Vegas Showroom. 3.0 Liter 6 cylinder engine is quick and nimble on the... More
New arrival to our Las Vegas Showroom. Sporty and fun to drive 2003 BMW Z-4 Roadster. Powerful 3.0 Liter 6 cylinder engine with 6... More
Pristine, one-owner 2011 BMW M3 Sedan. Silverstone Metallic / Silverstone extended leather, Competition Package, Convenience Package, Cold Weather Package, Premium II Package, Moonroof, Smartphone... More
This 2013 BMW 5 Series 4dr 535i AWD Sedan features a 3.0L STRAIGHT 6 CYLINDER 6cyl Gasoline engine. It is equipped with a 8... More
2000 BMW M5 Basic info: 2000 M5 with a build date of 11/99 . It's black on black with wood grain accents. Loaded with every available... More
This 1970 BMW 2800CS Coupe is a very rare find and a very original example for easy restoration. These early first generation E9 coupes... More
1999 BMW Z3 M ROADSTER for saleExotic Classics is excited to present this beautiful and potent 1999 BMW Z3 M Roadster. The classic design... More
Clean Carfax ReportUp to 27 Miles Per Gallon!!Rare 6 Speed Manual TransmissionLOADED/Navigation/Wood Trim/Sunroof Sold to a longtime customer several years ago, this BMW received our... More
Pristine, one-owner 2011 BMW M3 Coupe. Space Grey Metallic paint, two-tone Fox Red / Black Novillo leather interior, heated front seats, moonroof, 6-speed manual,... More

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text: Be Your Own Leader View full-size image < previous next > Is this photo a winner? "This is a photo of the Loudoun County High School DECA officers and advisors during the Officer Training Conference. At the Officer Training Conference, officers and learned how to work as a team and become leaders. The t-shirts helped unify the officers and made them stand out as a prominent chapter during the event." - Loudoun County High School DECA (Oct 20, 2010) Share this photo on: Twitter Facebook Pinterest Similar Photos: k-12 | other clubs groups | deca | loudoun county high school | officer training conference Feeling inspired? Visit the CustomInk Design Lab to start your own group order. Design Your Own


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To predict the Clinton Administration's next step is foolhardy. And when it comes to the first federal restructuring bill, it's riskier still to rely on drafts that apparently were leaked to gauge...
Did Power Plant Buyers Pay Too Much?
run time at which Edison Mission may expect to achieve a reasonable return on its purchase, Homer City's per megawatt-hour costs were determined assuming 84 percent capacity utilization. We calculated fixed-cost recovery on a megawatt-hour basis using the cost assumptions shown in table 2.
Financial assumptions, shown in table 2, were developed from our experience in project development and acquisitions, and are consistent with a conservative valuation approach. For example, the assumption of a 70/30 debt-to-equity ratio is viable given the capital structure of many recent divestiture and greenfield merchant projects observed during the past six to eight months.[Fn.2] Also, the after-tax ROE (ROE) of 12 percent is a bit lower than the typical developer hurdle rate of about 14 percent. Here, the ROE is used only to determine acquisition revenue requirements on a unit basis (dollar per megawatt-hour) for comparison to market price projections. In reality, a lower ROE could infer a lower discount rate for use in this value calculation, increasing estimates of plant value. Finally, income and property tax assumptions are representative of U.S. and state tax rates.
The initial book value is assumed to be the $1.8 billion purchase price. Annual Debt Service ($133,145,428 per year) is the fixed payment whose present value is equal to the debt portion of the purchase price (70 percent times $1.8 billion = $1.26 billion). Taxes are adjusted each year by the interest portion of the debt service. The annual depreciation expense is assumed to be straight-line with the first and last years at half the usual annual rate of 5 percent. These assumptions are consistent with common accounting conventions.
The $218 million per year in capital-related costs has been levelized. Fixed costs decline over time as debt principal is paid off and interest expenses fall. In reality, these front-end-loaded capital expenditures can be levelized through a sales-leaseback deal or other arrangement. The fixed annual capital cost shown here results in the same present value as the declining costs, assuming a discount rate equal to the after-tax weighted average cost of capital. At an 84 percent capacity factor, Homer City generates 13,863 gigawatt-hours, resulting in a capital recovery cost (including taxes) of $15.73 per megawatt-hour. (See table 2.)
To determine the price at which Edison Mission will receive a conservative 12 percent ROE, the $15.73 per megawatt-hour annual capital cost must be added to Homer City's operating costs. EIA data indicates that Homer City's fixed O&M costs averaged just over $40 million, or $21.25 per kilowatt-year, from 1993 to 1997. Assuming an 84 percent capacity factor, this translates to approximately $2.89 per megawatt-hour.
By adding its variable operating costs to the revenues required for fixed-cost recovery, Homer City will achieve a modest 12 percent after-tax ROE if it receives an average revenue of $30.65 per megawatt-hour and operates at 84 percent capacity. As mentioned, we believe Homer City may achieve a higher capacity factor in a competitive environment. If it achieves a 90 percent capacity factor, Homer City will realize a 12 percent after tax equity return with average revenues of $29.41


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Rail system needs more tracks and wagons; Not enough coal gets from port to power stations.
India is targeting up to $1 billion of private investment by 2017
A Coast Guard aircrew medically evacuated an 80-year-old man off Beaver Island in Lake Michigan Sunday night.
The man's name is not being released.
At 5:40 p.
Terex® Quaymate M50 mobile harbour crane is Crane of the Year – Dr. Mathias Dobner honored
Rotterdam/Düsseldorf, 24 November 2014 – Terex Port Solutions (TPS)
The Coast Guard and the Port Washington and Cedar Grove Fire Departments came to the assistance of two duck hunters on Lake Michigan Friday.
The names of those involved are not being released.
Seven crewmembers were rescued after their 100-foot coastal freighter began taking on water and sank approximately 45 miles north off of Cap Haitien, Haiti, Friday.


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Any Advice for sailing Kingston, NY to NYC??
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Re: Any Advice for sailing Kingston, NY to NYC??
Not sure about anchoring near either the Statue of Liberty or Ellis Island. Outside channels it is shallow and wakes would drive one nuts. You can anchor quite comfortably at the south end of Liberty State Park behind a partly intact breakwater. Start by following the channel toward the S of L dock. As you near the dock where the ferries tie up you will see a series of spar buoys contuing westward. Follow these toward the small anchorage, the water in is good. There is a dock ashore at the boat launch but if you want to leave your dinghy there you probably want to lock it.
Finished the circumnavigation in early February in Grenada. Have to work on a book project for the next several months so the boat will be waiting for next year.
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A little of this, a little of that …
The beauty of this profession is that you can write something one day only to revisit said subject matter(s) a few days later with some additional thoughts/reflections. Disclaimer: both articles subject to further review appeared in Saturday's print edition.
PROVIDENCE – Providence is up 30-21 after one half based in large part to attempting 26 free throws. By comparison, PC's opponent, Southern (La.) University, went to the line two times.
The only reason why the Jaguars, picked to finish last in the SWAC, went to the charity stripe was when PC freshman Brice Kofane was called for a questionable intentional foul. Otherwise it was Southern that felt the wrath of the officials as the visiting Jaguars were called for 15 fouls.
PROVIDENCE – Providence got a head start on Thanksgiving by feasting on an undermanned and overwhelmed Florida A&M squad, 87-65, before 6,052 at The Dunk. The Friars improve to 3-0 on the young season with the next game set for Tuesday at The Dunk against Southern. That game, like the one Saturday, is also part of the San Padre Invitational.
"I love playing at home," noted Cooley, who encouraged the fans to shower the Friars with support during a first-half timeout. "To me there's no greater place to play than The Dunk."
PROVIDENCE – The Providence Friars are taking it to the Florida A&M Rattlers, 39-19, after 20 minutes at The Dunk. The most eye-popping stat is the 14 turnovers the Friars forced, resulting in 20 points.
Florida A&M, which was picked to finish last in the MEAC preseason poll, shot just 27 percent. For the Friars, Bryce Cotton continues to score at a high clip. The sophomore guard notched the team's first seven points on his way to ending the half with 13.
Per the PC athletic department:
Providence College Athletics, Cox Sports and Coast to Coast Promotional Products To Host 15th Anniversary Celebration Of The 1997 Elite Eight Men's Basketball Team
The celebration will take place on May 12, 2012.
PROVIDENCE, R.I. – Providence College Athletics, along with presenting sponsors Cox Sports and Coast to Coast Promotional Products, are pleased to announce that on May 12, 2012, they will hold a 15-year anniversary celebration of the 1997 Elite Eight men's basketball team.
By BRENDAN McGAIR
A wrap up of Pawtucket's 4-3 win over Rochester on Sunday night ...
PAWTUCKET – As the fireworks drummed away at McCoy Stadium on Sunday, two PawSox players were busy shoving their belongings into bags, as infielder Nate Spears and Kyle Weiland will join the Red Sox in Toronto on Monday.
Everyone should breath a major sigh of relief that basketball wunderkind Ricky Ledo will not verbalize his choice of college at a Providence bar, which appeared to be the plan as recently as this past weekend.
The brackets for the first round of Division I & II tournaments – the format being double elimination spread over four four-team subdivisions – were released Monday night. The Blackstone Valley is represented with three teams in Div. I – Lincoln, St. Raphael, East Providence – and three from Div. II – Woonsocket, Tolman, North Smithfield.
It should be noted that East Providence was awarded the 16th and final seed in Division I, which saw the Townies along with Cumberland, Mount St. Charles, Toll Gate all finish the regular season at 7-10.
PROVIDENCE - We won't know the complete rundown of the 2011-12 Providence College men's basketball schedule until later this summer, but it was revealed Thursday that PC will travel to South Carolina on Thursday, Dec. 1 as part of the first-ever Big East/SEC Challenge. This ESPN-driven event will be shown on either ESPN, ESPN2 or ESPNU.
PAWTUCKET -- Ryan Kalish's all-out style resulted in the outfielder leaving Thursday's game with an apparent elbow injury. Playing center field, Kalish dove to take a base hit away from Syracuse's Michael Aubrey in the top of the second inning. The injury seemed to occur when Kalish's right elbow hit the turf just as he made the catch.
Kalish stayed on the ground for several seconds as every PawSox player ran out to the outfield to see what the extent of the injury was. He walked off the field under the assistance of PawSox trainer Jon Jochim, holding his elbow.


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i would bone.
guy 1 : damnn.. shes bomb!
guy 2 : werd.. IWB
guy 2 : werd.. IWB
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ODT Online
ODT /directory
Call the carpenter, Lorde's going to need a bigger
Mike Nichols, a nine-time Tony Award winner on Broadway and
the Oscar-winning director of influential films such as
"Who's Afraid of Virginia Woolf," "The Graduate," and "Carnal
Knowledge," has died aged 83.
You can't get much more New Orleans than Dr John and Louis
"Satchmo" Armstrong -- so when the former plays the latter,
it's enough to get Big Easy fans sitting up.
The New Zealand Symphony Orchestra's last concert for the
year, ''In the Hall of the Mountain King'', will be conducted
by Ben Northey. Charmian Smith talks to the Australian
Neena Truscott and Belinda
MacDonald were champions of healthy eating during their
winning stint on My Kitchen Rules New Zealand -- but today
they admit their hangovers might see them visit KFC.
There are some beautiful passages in Richard Flanagan's Man
Booker prize-winning novel, but the main sex scene isn't one
of them, according to a British literary magazine.
We have new specials every month so keep reading to ...
Angus Steakhouse Restaurant Dunedin brings to you a unique experience ...
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It won't be Christmas without it!
Sunday, Dec. 7, 2014, 4:00 pm
at the Count Basie Theatre, Red Bank NJ
Groups of singers available
for Singing Christmas Cards
and holiday parties
MCC will be singing our way through Ireland in July 2015, and we're inviting our friends and supporters to join us. Click here for details.


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October 2014 Regular Board Meeting Minutes
1) Supervisor Roddy called meeting to order at 7:00 p.m. at the Greenbush Township Hall. (2) two guests were present and joined in the Pledge of Allegiance.
Supervisor Ed Roddy
Clerk David Dailey
Treasurer Pat Dailey
Trustee Sally Olin
Trustee Gary Abraham
3) Agenda- Supervisor Roddy- add snow plowing and ZBA members to new business
Motion to approve the agenda as amended- Clerk Dailey /Treasurer Dailey_ – Olin Absent, all ayes – motion carried
4) Minutes- Clerk D. Dailey-
Motion to approve the minutes as written _Clerk Dailey /Abraham_ – Olin absent, all ayes – motion carried
5) Public Comments- none
6) Financial Report- Treasurer P. Dailey- $ 50,582.12 general fund, $ 127,815.02 road fund, $ 84,843.62 fire fund, $ 27,225.63 Prince Dr., $ 481.25 GRAC, Tax money collection is going well, MTA meeting 6:00 Oct. 28, 2014 at the Greenbush Township Hall
Motion to approve the financial report and place on file for audit _Abraham /Clerk Dailey_ – roll call vote – Olin absent, all ayes – motion carried
7) Presentation of Bills- Clerk D. Dailey- payroll ck's#15693-15719 $6012.29, bills ck's#15685-15739 $16,352.79.
Motion to approve the bills as presented Treasurer Dailey /Abraham_ -roll call vote – Olin absent, all ayes – motion carried.
8) Miscellaneous Reports-
- Constable (Parent)- Red Rooster closed and license still in escrow, Lakewood Shores, Cedar Lake Grocery, Lakeside Superette are good.
- County Commissioner (Brummund)- Crafters needed at the Harbortown Market Place contact Sheila 736-6881- $25 per weekend- first come first serve- suites will be discounted for the next couple of months, 2014 budget for the county are being reviewed, MSU Angela Spalding has been hired, No smoking and no dogs within 40 feet of livestock building at the ARA site, 2500 sunfish will be able to be stocked in Cedar Lake, Please vote November 4, 2014.
- Fire Chief (Franks)- 2 fire, 6 first responder, questioned grant reimbursement and mileage charge.
- Zoning Administrator (Major)- Holmes case is complete except court costs.
- Hall Rental (Roddy)- 1 rental, no inquiries.
- Assessor (Schwickert)- absent
- GRAC(Olin)- wrapped up for the winter.
- Planning Commission (Milwrick)- Clerk Dailey reported still meeting 2 times a month and progress is being made.
- Road Commission (Campbell)- no report.
9) Correspondence-
- Supervisor Roddy- none
- Clerk Dailey- Alcona Humane Society raffle tickets, road correspondence.
- Miscellaneous- none
10) Pending Business-
- IRS update- December 11, 2014 Clerk Dailey will be settling.
- Dust Control- road ride around has not been done yet.
11) New Business-
- New Planning Commission Member- Mark Swanson has asked to become a member.
Motion to approve Mark Swanson as a new member to the Planning Commission Treasurer Dailey /Abraham_ -roll call vote – Olin absent, all ayes – motion carried. Oath read and repeated.
- Park Grant Information- pictures of the sign had to be sent in, with board approval Clerk Dailey will send it in.
- Snow removal- stay with the person that had done the snow plowing because he has done for a long time and brought his price down last year.
Motion to approve extending the contract for snow plowing to be 2 years Clerk Dailey / Treasurer Dailey .
- Membership on the ZBA board- Tim Giannetti and Jason Wrusch to be added to the Zoning Board- roll call vote – Olin absent, all ayes – motion carried.
12) Public comment- resident wants people to watch for IRS scam coming over the phone, contact the local police department, IRS will never contact you by phone. Scott road and Ridley road where they dump into, what is the process for returning, Giles residence questioned, please check out the old cement plant on Ridley Road- someone is living there in a trailer, please report all street light outages to Supervisor Roddy and Clerk Dailey with the address that it is in from of.
13) Motion to adjourn _Treasurer Dailey_/Abraham_ at _7:49_ p.m.- roll call vote – all ayes – motion carried
David W. Dailey
Greenbush Township Clerk
cc: Board/Attorney
Note: Published prior to board approval – Next regular scheduled meeting Tuesday November 11, 2014 at the Greenbush Township Hall


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Worship and Idolatry
Beneficium and Sacrificium
Worship as the Work of
3 other sections not shown
Common terms and phrases
accept altar baptism become believe body and blood bread and wine Brilioth Canon ceremonies Christ's presence Christian Christology communion concept congregation connection consecration creation Creator death devil divine earthly elements Enthusiasts Eucharist external fact faith fellowship freedom gifts God's gospel Gottesdienst Guetersloh H. E. Jacobs Helmut Gollwitzer hidden Holy Spirit human idolatry idols imparts implies incarnation interpretation invisible Karl Barth Karl Holl liturgical forms Lord Lord's Prayer Lord's Supper Luther on Vocation Luther's liturgical Luther's theology Luther's view Lutheran man's mass means of grace medieval mercy ministry offer omnipresence outward prayer preaching Prenter presence of Christ priest priesthood proclamation promise real presence receive redemption Reformation remembrance revealed righteousness rites Roerer Roman church sacrifice of praise scholasticism Scripture sermon sins speaks spiritual testament theology of worship things tion transsubstantiation unbelief Wingren Word and sacrament Words of Institution wrath Yngve Brilioth


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we've got signatures, help us get to 1,000
Update: Once again, Raju's court case has been postponed. The case has been delayed to be heard on November 17. Please keep sharing the petition to stop Raju being returned to his former cruel owner.
Update: Raju's court date has been delayed once again. The new date is now October 13.
UPDATE: Raju's court case has been rescheduled and is now listed to be heard on September 12th. Lawyers for Wildlife SOS will be defending Raju. They are in discussions with senior officers of the State Forest Department.
It is reported that Raju's court date has been changed to September 11. Please share the petition to help keep Raju from going back to a life of misery with his former cruel owners.
Raju the Indian elephant who cried when he was freed from spiked shackles after 50 years of suffering may be returned to his former cruel owners.
Raju was made famous the world over when he was rescued during an operation in July by Wildlife SOS's Elephant Conservation and Care Centre in India.
However, the tortured elephant's former owners are trying to reclaim their 'rightful property' as part of legal proceedings. The court hearing is scheduled for September 4 in Allahabad, India.
But Wildlife SOS founder Kartick Satyanarayan, who led the rescue operation to save Raju, said the wildlife organisation is prepared to take the fight for Raju to the Supreme Court of India.
When Raju was rescued, the chains that cut into his legs had been there for 50 years - his legs were covered in abscesses and his feet damaged by walking on hard tarmac roads. Raju had not been fed properly - tourists fed him sweets and because he was starving he had been eating plastic and paper. He had no shelter at night and was forced to beg for his cruel owners. Raju still needs years of treatment to heal from his wounds, which are both physical and psychological.
His former owners need to be charged with animal abuse and neglect – not to be handed back Raju who deserves a good life after his years of suffering.
Please sign and share the petition to help save Raju the elephant from being returned to his cruel former owners.


text:
Jimmie Kristensson
jimmie [dot] kristensson [at] med [dot] lu [dot] se
Publikationer (hämtat ur Lunds universitets publikationsdatabas)
- 2014
- Case management for frail older people - a qualitative study of receivers' and providers' experiences of a complex intervention.
- Depressive symptoms among frail elderly in ordinary living: who is affected and who is treated?
- Fighting for control in an unpredictable life - a qualitative study of older persons' experiences of living with chronic dizziness.
- Loneliness and health care consumption among older people.
- 2013
- Case managers for older persons with multi-morbidity and their everyday work - a focused ethnography
- Effects of a One-Year Home-Based Case Management Intervention on Falls in Older People: A Randomized Controlled Trial.
- Prevalence and predictors of falls and dizziness in people younger and older than 80 years of age-A longitudinal cohort study.
- 2012
- 2011
- 2010
- 2009
- 2008
- Healthcare consumption, experiences of care and test of and intervention in frail old people. Implications for case management
- Healthcare costs for people aged 65+ two years prior to their receiving long-term municipal care.
- Psychometric properties of the consumer emergency care satisfaction scale: tested on persons accompanying patients in emergency department.
- 2007
- 2004


text:
I can't pinpoint the exact moment of D-WHY's arrival but, make no mistake about it, he is most definitely present. On freshly-leaked mixtape outtake I'm Here Now, the Brooklyn buzzmaker brings listeners up to speed on what he's all about, fleshing out his clean-cut yet swaggeriffic persona over a beat borrowed from Ratatat's Drugs. Craving more? While forthcoming street album Don't Flatter Yourself has yet to receive a drop date, you can look forward to a new single and video in the near future.
D-WHY DownloadsR&B/PopAlternative
Written by richard on 04/12/12
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First DJ Booth Appearance:
"Animal (Unofficial Remix)" (2010)
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a horny, spazzy, annoying midget OMFG! when someone calls him a spazz, he freaks out and goes SHUT UP FAGGOT IM GONNA HIT YOU
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Follow this twitter-style feed with the latest from the News 4 Sports Team.
For the first time since 2007, a majority of Americans think things are going well in the nation, a new CNN/ORC International poll found.
Much like the inflatable floats of Spider-Man and Snoopy, this year's ratings for the Macy's Thanksgiving Day Parade soared.
NBC's telecast of the annual New York City parade averaged 22.6 million viewers between 9 a.m. and noon Eastern -- the second-...
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Her Highness
by DiDi Higginbotham
Canvas Print
Fine art print on bright white, fine poly-cotton blend, matte canvas using latest generation Epson archival inks. Individually trimmed and hand stretched museum wrap over 1-1/2" deep wood stretcher bars. Includes wall hanging hardware.
A lioness looking very regal. ~ Lion.cats,animals,wildlife
- 71Promote


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Date: 1910 ca.
Description: Detailed view of the living room ceiling within the residence of Frederick Graham.
Date: date unknown
Description: Colorized postcard of the Memorial Hospital. Text at top left reads "Memorial Hospital, Burlington, Wis.-12".
Date: 1915
Description: Interior view of Racine Public Library Branch. In the room are two wooden benches on either side of a fireplace. A reading table is in the foreground, and...
Date: 1885 ca.
Description: A view from the tower of the Racine Court House looking north.
Date: 1952 ca.
Description: Interior perspective drawing of the living room of the Robert Johns residence designed and drawn by architect John Randal McDonald. McDonald gave the proj...
Date: ????-08-26 date unknown
Description: Colorized postcard of St. John's Episcopal Church, surrounded by many trees. Text at the top reads "St. John's Episcopal Church, Burlington, Wis."
Date: 1874
Description: Bird's-eye map of Racine, with an inset of Racine College.
Date: 1935 ca.
Description: Workman on the construction of the second floor of Herbert F. Johnson's Residence, "Wingspread," designed by Frank Lloyd Wright. The residence was complete...
Description: Piles of sand and dirt in front of the Herbert F. Johnson Residence, "Wingspread," during construction. The residence was designed by Frank Lloyd Wright an...
Date: 1952
Description: Interior perspective and exterior perspective of the Robert Johns residence designed and drawn by architect John Randal McDonald. McDonald gave the projec...
Description: Interior view of the Racine Public Library. Reverse of cardboard backing reads: "Delivery Desk and Stacks." In the room is a large five-sided librarian's d...
Date: 1920 ca.
Description: Perspective drawing of a courtyard at Southern Colony for the Developmentally Disabled. An index to other drawings in the collection appears at left.
Description: Exterior view of The Corliss Club.
Date: 1949 ca.
Description: View of the Johnson Wax Research and Development Tower under construction.
Date: 1949
Description: Exterior elevation drawing of the Goulais house designed and drawn by architect John Randal McDonald. The drawing shows the proposed new chimney, north wal...
Date: 1888
Description: View looking northwest from Racine City Hall.
Description: Portions of the rear elevation of the Herbert F. Johnson Residence, "Wingspread," during construction. Portions of the trellis structure and a small corner...
Date: 1895 ca.
Description: An interior view of the Ada Meinhardt residence. There is an elaborate stairway with several musical instruments displayed below.
Date: 1908-12-30
Description: Photographic postcard of a man stepping onto the sidewalk in front of his home. A woman on the porch is watching as he leaves. He is wearing an overcoat an...
Description: View of the Chicago & Northwestern Railroad depot in Racine. A train rests at the stop while commuters wait to board from the platform. There is a horse to...
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Senior Member
After going 20-2 on him earlier is it just me or does his W do way more damage than what it says it does? With 700 AP And rank 5 W it will be doing 140 + 40% ap and 100% of your bonus ad(isnt much) so how is it when I hit minions for around 1000 and champions for like 700 when it doesnt even come close to what the tool tip says it does
Mid Is A Feeder
Lich Bane
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text: Publication Date: June 6, 2005 Commentary Europe's Whole Loan Sales Market Burgeoning As Mortgage Credit Market Comes Of Age Analysts: Emily Bradley, London (44) 20-7176-3588, email@example.com and Brian Kane, London (44) 20-7176-3530, firstname.lastname@example.com Against a backdrop of low levels of mortgage debt relative to the U.S. and sustained growth in property markets, European mortgage lenders are seeking diversified capital market funding sources, providing an impetus for significant growth in the whole loan sales market. This market provides a relatively new alternative to securitization funding used by European lenders since the 1990s. Last year, the European RMBS market recorded a total funded issuance of €140 billion. A new breed of balance sheet and cash fund investors fuelled already heady investor demand for paper and helped propel spreads to historic "tights" of 7 bps-9 bps for 'AAA' rated tranches and 40 bps-80 bps for 'BBB' rated tranches. Although these levels have somewhat abated in recent weeks, market issuance volumes, credit knowledge, and liquidity point to a growing level of commoditization and wider investor understanding of the European RMBS market. This growing market expertise is now lending itself to the development of new markets in the arena of the pricing and sale of mortgage credit risk. As originators first looked to securitization to diversify away from traditional funding methods, the growing level of knowledge and corresponding higher levels of credit understanding is fuelling the development of a whole loan sale market in Europe. A whole loan transaction involves the sale of a pool of loans from a mortgage lender to another institution, providing benefits to both parties. Whereas whole loan trading is the primary driver of RMBS originations in the U.S., the European market has only recently reached a level of structuring sophistication and an understanding of fundamentals of the credit risk, liquidity, and relative value pricing to embrace the whole loan sales market. A vigorous whole loan sales market is likely to generate even higher levels of residential mortgage loan securitizations in Europe. This article discusses the opportunities the whole loan sales market presents to mortgage lenders as well as some of the challenges given the current state of the market in Europe and some of the differences across countries. Background And Market Development In the early 1990s, European mortgage originators largely relied upon retail deposits and the issuance of senior unsecured debt for funding. Securitization subsequently provided a further option, giving the mortgage market a substantial boost in recent years. The newest alternative to originators has come in the form of whole loan, or portfolio, sales. This option is firmly entrenched in the U.S., thanks in part to some of the inherent characteristics of the U.S. mortgage market. Despite the recent increases in securitization in European mortgage markets, 60% of mortgage debt outstanding here is still financed through retail deposits (see chart 1). This is in sharp contrast to the mortgage market in the U.S., where the majority of outstanding mortgage debt is financed through securitization and agency debt. Page 1 of 7 The U.S. mortgage market is more developed than Europe's, with mortgage debt outstanding just over $8 trillion at the end of 2004, and a mortgage debt-to-GDP ratio of approximately 70%, compared with a figure of only about 34% in the EU. Home ownership is also a bit higher in the U.S., at about 69% versus almost 62% in Europe. The size and sophistication of the U.S. market, in addition to other factors discussed below, facilitated the development of a secondary mortgage market, which consists of mortgage securitizations as well as whole loan sales. This segment of the market has benefited from originators' development of advanced risk-based pricing models to sell pools of loans to the market. Whole loan sales markets first emerged in the U.S. shortly after World War II. More recently, accounting rules have played a role in the U.S. market, though this is not considered the main driver. From a buyer's perspective, whole loan products can help banks maintain asset/liability management flexibility because these products do not have to be marked-to-market. The new IAS 39 rule could spark a similar boost to the whole loan sales market in Europe, as originators will be required to recognize securitized assets on their balance sheets in certain circumstances, although it should be noted that the new rule is by no means considered to seriously curtail securitization in Europe. The whole loan sales market is in a stage of nascent growth in Europe. Mortgage originators are the key players looking to sell loans in this burgeoning market, while investment banks are among the buyers of these pools of loans. In a whole loan sale, an originator will sell a pool of loans directly to another institution, rather than securitizing the mortgages by issuing RMBS. On the other side of the sale, an investment bank might pay an originator face value plus a premium for this pool, which it then either holds itself, or securitizes. Originators benefit by monetizing the loan and hence realizing the value of the loan immediately, as well as removing the loans from their balance sheets. In fact, the originator benefits from an immediate profit by selling the pool of loans for a price greater than the face value. The buyer of the pool is willing to pay this premium in order to gain the opportunity to securitize the pool to earn a return in the capital markets. Investment banks have established origination teams and built up a franchise and an expertise in this area by structuring the mortgage banks' own securitizations, and it is now possible for investment banks to own these loans, where they can further benefit from sophisticated restructuring and repackaging. In addition to investment banks, some small and midsize building societies in the U.K. have sought to purchase portfolios of loans in an attempt to increase Standard & Poor's Page 2 of 7 their assets under management and build their market share or create cross-selling opportunities. For the whole loan sales market to fully develop, a loan level analysis is required to accurately estimate the risk characteristics of a pool of loans. Table 1 presents a comparison of two funding options available to mortgage lenders, a whole loan sale or a securitization. Table 1: Comparison of Funding Sources Whole Loan Sale Securitization Profit up-front Profit over time Cross-selling opportunities Potential to create instruments by selling this profit over time Assets clearly removed from balance sheet for New accounting rules will require most securitized assets to be accounting purposes recognized on-balance-sheet Additional diversifier of funding Widely-used and understood funding source Additional form of liquidity/different profit model Continues to be a very strong form of liquidity/benchmark Economic option for smaller-sized pools Offers economies-of-scale/ability to issue large quantity of debt Ability to buy exact volume of specific loans Flexible environment/ability to structure risk through tranching Will Europe's Experience Mirror That Of The U.S.? The whole loan sales market is firmly established in the U.S., and signs of growth have recently emerged in Europe, though there are some challenges to be addressed before this market can take hold here as it has on the other side of the Atlantic. In Europe, data availability is more variable and credit scoring systems are far from the standard, established scoring system that exists in the U.S. Europe Lacks Standardized Credit Scoring Growth in the whole loan sales market in the U.S. was partly facilitated by the homogeneity of the market, as well as the excellent availability of data and the existence of a widely accepted credit scoring mechanism. This score measures consumer credit risk and is provided by FICO using software developed by Fair, Isaac and Co. Inc. FICO scores are developed from data from five categories: payment history, amounts owed, length of credit history, new credit, and types of credit used. Fair Isaac started working on credit scoring in the 1950s, and lenders view its scores as a reliable measure of credit evaluation. The availability of data and credit scores has enabled market participants to confidently engage in such a secondary market, contributing to its growth. In contrast, certain features of the European market present difficulties for the development of a fully-fledged whole loan sales market, though significant progress has been made in several areas to pave the way for growth in this market in the coming years. In particular, data availability and standardization vary significantly across European countries, and even across originators within the same country. From both a regulatory and cultural standpoint, major factors vary widely from one country to another, as discussed below. Moreover, credit scoring is far from standard in Europe. There has been recent movement in this area, and further advances will aid the development of a whole loan sales market. Property Valuation Difficult With Nonstandard Data Despite the more limited data availability relative to the U.S., European originators are increasingly becoming more sophisticated. Some originators have developed risk-based pricing platforms using automated valuation models (AVMs). AVMs are designed to allow a property to be assessed very quickly by inputting various property characteristics into a model, which then produces a value for the property. In general, AVMs are used in conjunction with traditional valuation methods to provide additional information and to speed up the process. In addition, credit scoring models have emerged in several countries. Across Europe, there is increasingly a higher understanding of arbitrage and mortgage risk as the market continues to grow. The further development and refinement of AVMs and credit scoring models will provide the market with the quantitative tools necessary to quickly determine the value of a portfolio of loans, which will further boost the whole loan trading market in Europe. Standard & Poor's Page 3 of 7 Growth Prospects Vary By Country The growth prospects for the whole loan sales market vary across Europe, but the markets that look most likely to see the greatest development are the U.K. and The Netherlands. Germany and Italy are also in a potential position to experience growth in a whole loan sales market. Countries with relatively developed credit scoring capabilities are most likely to capitalize on the advantages of the whole loan sales market. U.K. In the U.K., the RMBS market is firmly established as the largest in Europe. As noted in table 1, the volume of securitization offers economies of scale and the opportunity to issue large amounts of debt. Indeed, RMBS issuance in the U.K. at the end of 2004 was €82.2 billion (see table 2). Furthermore, the growth in the market — which has quadrupled over the past five years — points to the growing appetite for non-traditional funding by mortgage lenders and, equally, the demand for RMBS from investors. Table 2: U.K. RMBS Issuance Volume and number of transactions 2000 2001 2002 2003 2004 2005* U.K. prime € Bil. 16.4 19.6 21.7 42.7 62.5 20.8 Transaction number 12 9 7 13 19 9 U.K. non-conforming € Bil. 4.4 5.5 7.2 12.9 19.7 6.2 Transaction number 11 10 11 17 20 7 Total € Bil. 20.8 25.1 28.9 55.6 82.2 27.0 Transaction number 23 19 18 30 39 16 *Through May 12, 2005. The whole loan sales market in the U.K. is also showing signs of growth as mortgage lenders are evaluating the economic merits of refinancing mortgage originations though securitization or whole loan sales. As shown in a sample of transactions in table 3, the size of sales can vary significantly, with some sales ranging from £30 million to £40 million and others in the region of £400 million to £600 million. In addition to total volumes, the average issuance size is far larger in a securitization than in a whole loan sale. However, it is still possible to buy or sell substantial volumes of mortgage loans in the whole loan sales market by completing several transactions. GMAC-RFC, the 12th largest mortgage lender in the U.K., has taken advantage of the benefits offered via the whole loan sales market and has become the U.K.'s largest trader of whole loan portfolios. In 2004, GMAC sold £2.6 billion of mortgage loans to other lenders via the whole loan sales market. The development of this market highlights the importance of and the demand for transparent credit pricing tools. The sample of transactions in table 3 was obtained from publicly available sources. For various reasons, market participants may not disclose some transactions, and in speaking with market participants, including investment banks, we recognize that the table represents merely the tip of the iceberg with respect to the size of the whole loan sales market. While estimates of total market size vary considerably, it is our understanding that sales per year reach £10 billion-£20 billion in the U.K. Standard & Poor's Page 4 of 7 Table 3: Whole Loan Sales — Sample Transactions From 2000 To Present U.K. Seller Buyer Size (Mil. £) Asset type Sale date GMAC Amber Homeloans 150 Blended pool of prime, buy-to-let, and self-certified products April 29, 2005 GMAC Brittania Building Society 250 N.A. April 29, 2005 Freedom Lending Mortgages PLC 100 N.A. April 5, 2005 Mortgage Express, a subsidiary of Bradford & By value, approximately 21% buy-to-let, 44% self-certified, GMAC Bingley 251 with the remainder standard mortgages Feb. 25, 2005 January 2000 to GMAC Amber Homeloans 570 N.A. February 2005 E-Mex Home Funding Ltd., a subsidiary of Cheshire Blended pool of mainstream prime, self-certified, and buy-to- GMAC Building Society 100 let products Dec. 3, 2004 Mortgage Express, a subsidiary of Bradford & Approximately 15% buy-to-let, 51% self-certified, with the GMAC Bingley 407 remainder standard mortgages Nov. 26, 2004 Amber Homeloans Reliance Property Loans (RPL) 23 Prime mortgage assets Oct. 21, 2004 Amber Homeloans Future Home Mortgages 65 Self-certified and light adverse assets Oct. 19, 2004 Amber Homeloans Redstone 90 Sub-prime mortgage portfolio Oct. 8, 2004 Skipton Kent Reliance Building Society 22 Buy-to-let mortgages Sept. 1, 2004 Mortgage Express, a subsidiary of Bradford & Approximately 22% buy-to-let, 45% self-certified, with the GMAC 123 Aug. 27, 2004 Bingley remainder standard mortgages GMAC Amber Homeloans 120 Mix of buy-to-let and self-certified products July 5, 2004 West Bromwich Mortgage Co., a subsidiary of West GMAC Bromwich Building Society 230 Mix of buy-to-let and self-certified products July 5, 2004 Amber Homeloans Redstone 150 Sub-prime mortgage portfolio June 28, 2004 Amber Homeloans Ipswich Building Society 22 N.A. June 11, 2004 Kensington Mortgage Co. Brittania Building Society 97 N.A. June 1, 2004 Mortgage Express, a subsidiary of Bradford & By value, approximately 30% buy-to-let, 46% self-certified, GMAC 114 May 28, 2004 Bingley with the remainder standard mortgages Kensington Mortgage Mortgage Express, a subsidiary of Bradford & Light adverse credit profile and includes customers with lower Co. Bingley 108 credit characteristics than the Group's standard selective March 1, 2004 lending Mortgage Express, a subsidiary of Bradford & By value, 56% buy-to-let, 38% self-certified, with the GMAC 480 Feb. 27, 2004 Bingley remainder standard mortgages GMAC Dumfermline 70 Buy-to-let Feb. 19, 2004 E-Mex Home Funding Limited, a subsidiary of GMAC Cheshire Building Society 145 Fixed and discounted mortgages Dec. 11, 2003 Mortgage Express, a subsidiary of Bradford & By value, approximately 52% buy-to-let, 33% self-certified, GMAC Bingley 440 and the rest are standard mortgages Nov. 28, 2003 Mortgage Express, a subsidiary of Bradford & GMAC 100 N.A. Nov. 18, 2003 Bingley Kensington Mortgage West Bromwich Mortgage Co., a subsidiary of West Co. Bromwich Building Society 60 N.A. Nov. 1, 2003 Mortgage Express, a subsidiary of Bradford & The portfolio intentionally includes customers with lower credit GMAC Bingley 106 characteristics than previous portfolios acquired from GMAC- Oct. 31, 2003 RFC West Bromwich Mortgage Co., a subsidiary of West One portfolio comprising £155 million prime mortgage loans GMAC Bromwich Building Society 248 and the other comprising £93 million non-conforming Oct. 22, 2003 mortgage loans Mortgage Express, a subsidiary of Bradford & By value, approximately 43% self-certified, 33% buy-to-let, GMAC 151 July 30, 2003 Bingley and the rest are standard mortgages Mortgage Express, a subsidiary of Bradford & Buy-to-let, self-certification, and standard U.K. residential GMAC Bingley 250 mortgage loans July 3, 2003 SPML Ipswich Building Society 30 N.A. June 17, 2003 Prime residential lending and the average LTV ratio is about AMP Banking UK Newcastle Building Society 363 50% June 1, 2003 Mortgage Express, a subsidiary of Bradford & By value, approximately 48% self-certified, 31% buy-to-let, GMAC 260 May 30, 2003 Bingley and the rest are standard mortgages Preferred Mortgages Amber Homeloans 70 Sub-prime mortgage portfolio May 21, 2003 GMAC North Yorkshire Mortgages 75 Mainstream mortgages, buy-to-let, and self-certification loans May 1, 2003 Mortgage Express, a subsidiary of Bradford & GMAC Bingley 470 N.A. April 1, 2003 GMAC Derbyshire Home Loans Ltd. 60 N.A. Dec. 3, 2002 Amber Homeloans Ipswich Building Society 25 N.A. Nov. 1, 2002 Mortgage Express, a subsidiary of Bradford & Approximately one-third by value is buy-to-let, one-fifth is self- GMAC Bingley 650 certified, and the remainder consists of standard mortgages Sept. 30, 2002 Amber Homeloans Saffron Walden Mortgage Services 30 Mixed mortgage assets Aug. 8, 2002 Amber Homeloans Universal Building Society 10 N.A. July 1, 2002 GMAC Derbyshire Home Loans Ltd. 54 N.A. June 1, 2002 Amber Homeloans Derbyshire Home Loans Ltd. 40 N.A. May 15, 2002 GMAC Brittania Building Society 154 N.A. March 28, 2002 GMAC Skipton 30 N.A. Oct. 1, 2000 Total 7363 N.A. Europe Size (Mil. €) Credibe ABN AMRO 2,235 N.A. July 2003 N.A.-Not available. Standard & Poor's Page 5 of 7 As mentioned, there is a very wide variety of credit scoring models in the U.K. Experian and Equifax are the two major independent generic providers of credit scores, which they release as either scores that can be accessed as parts or in one comprehensive generic score. Originators can either access various components of a credit score, such as past borrower performance on various accounts, postcodes, or past defaults/arrears, or the originator can access a score that combines such components into an overall score. The uses of the scores are just as varied as the scores themselves. Some of the more sophisticated originators make use of each component, some use only the generic score, and others disregard the various credit scoring models and use only their own information. A more standardized credit scoring system could enable market participants to better understand the risk inherent in certain loans. The Netherlands The Dutch market is one of the most advanced European markets in terms of whole loan sales and portfolio trading. The key sellers here are insurance companies with strong origination platforms, while investment banks are the primary buyers, and are in turn securitizing these loans. Insurance companies often find mortgage loans attractive, and the long-term nature of these loans is useful for matching long-term liabilities. There is a credit scoring system in place in The Netherlands, where the Bureau Krediet Registratie produces the BKR score, a generic score using past borrower performance on a variety of credit lines to predict default. Italy CRIF Decision Solutions (CDS) produces credit scores in the Italian market using past borrower performance. As the most commonly used consumer credit bureau in Italy, CDS represents the majority of banks and other financial institutions operating in the Italian retail credit market. While CDS's credit scores are helpful instruments in predicting default, the scores use only past borrower performance. While whole loan sales in Italy are not yet a major part of the secondary mortgage market, there are some initiatives underway to create trading platforms in Italian mortgages. In the Italian RMBS market, originators often combine pools of assets to gain critical mass for an RMBS transaction, which results in a single transaction having as many as eight different sellers. The development of a whole loan sales market would provide an alternative financing means for these sellers. Germany In recent years, NPL transactions have dominated portfolio sales in Germany, though once the true sale issue has been resolved, an increase in whole loan sales activity is likely. Expectations are that U.S. market players will seek arbitrage opportunities and higher market share in Germany. In addition to resolving the true sale matter, the German market will benefit from the existence of the SCHUFA, Germany's national credit information agency, which records consumers' financial transactions and information regarding the performance of these financial agreements. SCHUFA provides reports listing this information, as well as a credit scoring service, which uses the information to compile a single credit score for a consumer. Standard & Poor's Page 6 of 7 Importance Of Servicing Servicing the loans is a key issue in the whole loan sales market. In some whole loan sales, the buyer of the loan portfolio will take on the servicing of these loans, while in other cases, the buyer will outsource the servicing to a third party. For example, Oakwood Homeloans Ltd., part of The Oakwood Group, a financial services operating company with an expertise in sub-prime mortgages, has purchased loans in the secondary market and has contracted Homeloan Management Ltd. to provide mortgage administration services. Marlborough Stirling Mortgage Services Ltd., which was recently acquired by Vertex, is another residential mortgage servicer. Servicers are key facilitators for the growth of the whole loan sales market, as they enable firms lacking expertise in servicing to acquire a pool of mortgages without necessarily taking on the burden of servicing the loans. We provide Servicer Evaluation reports on mortgage servicers, which potential buyers in the whole loan sales market may find useful in helping them select a servicer for a pool of loans. Concluding Remarks Europe is poised for significant growth in the whole loan sales market, following in the footsteps of the U.S. growth experience. An integrated system of credit scoring and continued improvement in the collection and availability of data will increase transparency in the market and facilitate this growth, as will the continued sophistication of market participants. The increase in knowledge and improved understanding of credit risk and pricing, combined with the opportunity to reduce operational risk through the use of a third-party servicer, present an excellent environment for mortgage lenders to take advantage of the funding source the whole loan sales market offers. To this end, we are well-positioned to provide assistance in this type of transaction through our Servicer Evaluation reports. Related Articles • "Italian Mortgage Default Estimation: Incorporating the CRIF Decision Solutions Mortgage Risk Scale" (published Sept. 16, 2004). • "Guidelines for the Use of Automated Valuation Models for U.K. RMBS Transactions" (published Feb. 20, 2004). All criteria and related articles are available on RatingsDirect, our Web-based credit analysis system, at www.ratingsdirect.com. The criteria can also be found on our Web site at www.standardandpoors.com. Group E-Mail Address email@example.com Published by Standard & Poor's, a Division of The McGraw-Hill Companies, Inc. Executive offices: 1221 Avenue of the Americas, New York, NY 10020. Editorial offices: 55 Water Street, New York, NY 10041. Subscriber services: (1) 212-438-7280. Copyright 2005 by The McGraw-Hill Companies, Inc. Reproduction in whole or in part prohibited except by permission. All rights reserved. Information has been obtained by Standard & Poor's from sources believed to be reliable. However, because of the possibility of human or mechanical error by our sources, Standard & Poor's or others, Standard & Poor's does not guarantee the accuracy, adequacy, or completeness of any information and is not responsible for any errors or omissions or the result obtained from the use of such information. Ratings are statements of opinion, not statements of fact or recommendations to buy, hold, or sell any securities. Standard & Poor's Page 7 of 7


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Constellation Field
The Sugar Land Skeeters will begin their holiday season by hosting Sugar Land Skeeters Holiday Lights from 6.00 p.m. to 10:00 p.m. nightly from November 28th through January 4th at Constellation Field. This event will hold holiday activites and excitement for the whole family.
Sugar Land Town Square
You better watch out, you better not cry, you better not pout, I'm telling you why, Santa Claus is coming to town…Bring the kids and the entire family to have their photo taken with Santa!
Enjoy a magical evening of Holiday entertainment with friends and family in Town Square to celebrate the lighting of Sugar Land Town Square's 40-foot Christmas tree. Festivities will begin at 5:00 pm with performances from local musical groups, children's crafts and games, and photos with Santa.
Sugar Land Baptist Church
Delight in Houston's premiere performance of Handel's transcendent and revered masterpiece – the Messiah – performed by the Houston Symphony, Chorus and star soloists.
Travel with Mike and the orchestra to Hollywood to experience the sounds of the past 30 years of great motion picture scores.
Watch the Sugar Land Imperials Hockey team take on a North American 3 Hockey League (NA3HL) opponent.
Sunday, November 30, 2014 at 1:00 PM
Friday, January 30, 2015 at 7:00 PM
Saturday, January 31, 2015 at 7:15 PM
Sunday, February 01, 2015 at 1:00 PM
Sugar Land is kicking its destination appeal up a notch with the construction of a new 6500-seat state-of-the-art Performing Arts Center to be located southeast of U.S. Highway 59 and University Boulevard. Construction is expected to begin in 2014 and take about 24 months.


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My Brazil ancestors came from Meriden, Connecticut. The most famous of these Brazils was my great uncle, Walter P. Brazil, who performed in Vaudeville productions in the early 1900s. He worked with such well-known theater figures of the day--most notably George M. Cohan and Flo Ziegfeld. He danced, sang, and acted in "The Passing Show" of 1915 and the "Cohan Revue" in 1916. My grandfather on my mother's side was Patrick Brazil (1853-1913) who married my grandmother Catherine Pomfrey (1863-1906) in 1889 in Middletown, CT.
The Braziels, who lived in Waterbury CT, were cousins of the Meriden Brazils. I often wonder how surnames get spelled differently within the same family. The Pomfrey family of Middletown, Ct is often spelled as Pomfret, Pomphret, Pumphrey, and Pomphrey.
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HOME Los Angeles Kings Gear Los Angeles Kings Home & Office $20 to $40 (13 items) Product ID: 1221395
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You're all moved in to your new home, but it's missing something – the walls are looking bare. As a Kings fan, you know the best way to make your walls look complete is by adorning them with L.A. flair! This 28'' x 44'' double-sided applique flag is exactly what you're looking for. Featuring a huge embroidered applique Kings logo, this team-colored flag is the ultimate in L.A. decorative design! Hang it with pride and make your new digs a proper home for a Kings fanatic!
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On behalf of my fellow Bristol Bay fishermen, past and present, I would like to issue a friendly challenge to the Pebble Limited Partnership, and specifically its Chief Executive Officer, John Shively. But first, let's review a few things that we know about the Bristol Bay watershed and the proposed Pebble Mine:
• The salmon runs of Bristol Bay have sustained residents of this region for approximately 9,000 years, or about 350 generations.
• The proposed mine will sit atop a seismically active saddle that separates two of the most productive salmon-spawning drainages on Earth, Alaska's Nushagak and Kvichak river systems.
• The mine as envisioned for build-out will produce up to 10 billion tons of tailings, which, when exposed to air and water, will produce sulfuric acid.
• The Pebble Limited Partnership suggests that their gigantic lakes of poison stew will be contained in perpetuity behind earthen dams taller than the Space Needle.
"In perpetuity" means forever, which presents a problem for Earth-based business planning, so in order to frame this in something other than cosmological time, let's give Pebble's bean-counters an undeserved break and tell them they only need to come up with enough money to contain the mine tailings for the next 9,000 years.
Read the full story at the Alaska Dispatch>>
National Fisherman Live: 11/06/14
In this episode:
NOAA report touts 2013 landings, value increases
Panama fines GM salmon company Aquabounty
Gulf council passes Reef Fish Amendment 40
Maine elver quota cut by 2,000 pounds
Offshore mussel farm would be East Coast's first


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April 29
Music Jokes
A nice collection of music jokes, question and answer, Knock Knock jokes and more, enjoy !
Did you hear about the classical pianist who was not a good speller? When she went out to buy something she left a sign on her door that said: "Out Chopin. Be Bach in a minuet"
Hey buddy. How late does […]


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Item: 712164 Model: AR0374
ComplyRight Job Application form measuring 8 1/2" x 11" include applicant personal information and is legally compliant with all employment laws. Form contains previous employment and plain-language disclosures at the back side with free tip sheet.
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Dear friends!Nokia N8 is unfortunately going to totally slaughter the iPhone.N8 is a sensational product.Look at this video captured with a N8 prototype.vimeo.com/11266224You may compare it with an iPhone video.www.youtube.com/watch?v=dhJO6KzpGB4I'm feeling quite sorry for Apple (and all iPhone users and shareowners).
Oh, yah, yah... we're all so sad here.
I think Jan inherited 100 shares of his grandma nokia stock and it's hard for him to sell and buy apple, poor jan watching nokia go down the drain, once a 58 buck per share company now soon to be single digits.
iPhone is doomed. You love Steve Jobs. He is surely a nice guy but now he and his company's got real big problems, the Nokia N8.
the N8 video you posted starts like a slide show and then has the character doing robotic looking movements and ends with a slow motion movement.i'm no expert but if i was required to hide jerky video graphics, that's how i'd do it
Just look at the iPhone video and compare. Do you see any difference (that you wouldn't like to see)?Use your eyes, please.
Why is it that every new phone for the last 4 years was branded as the iPhone killer?
Who has branded what? I believe Nokia never branded anything as an iPhone-killer. You did?Just watch the videos and enjoy the completely unbelievable quality the N8 offers (and then sell your Apple shares ASAP).
you are an ASS
Just sell your Apple shares and save yourself...
It's already been panned in its first review: http://translate.google.com/translate?u=http%3A%2F%2Fwww.mobile-review.com%2Farticles%2F2010%2Fbirulki-64.shtml&sl=ru&tl=en&hl=&ie=UTF-8I remember when people were holding out hope that the N95, etc would be able to hold up to the iPhone, lol. Keep trying Nokia.
Well, the Russian thief got his hands on a very early prototype.Just watch the video, my friend. And after that, sell your Apple shares as soon as possible.Best regards.
junk. as is the 'droid. junk. you do not understand the cultural revolution that is aapl. it transcends technology. get on board for the flight to $350
I look forward to American tech blogs now desperately trying to justify the latest Androids and the next iPhone in light of this device. Hopefully they will be man enough to admit an amazing handset when they see it, and not desperately try and nit-pick just because it's not iPhone or Android - i.e. US homegrown technology.You wanted competition Apple and Google? You got competition. Lots and lots of it :)
Oh really??http://techie-buzz.com/mobile-news/nokia-n8-review.html


text:
Bronies Drive 'MLP' Hits
Trading Cards and Comics
Published: 10/30/2012 01:02am
The trading cards from Enterplay, which shipped in July, sold out the first printing in the first week, with single cards hitting as much as $750 in the aftermarket. A second printing has now been released but will be gone soon as international markets come into play, according to an Enterplay spokesperson. A collector's tin has recently been released into three chains, Walmart, Toys R Us, and Meijer's, with limited distribution into additional channels to follow in a few weeks.
Enterplay's rarity scheme has contributed to the popularity: a foil in every other pack, one gold card per box, and a hobby box topper. The tins also include chase cards.
IDW Does 'My Little Pony'") has gotten incredible orders for what is ostensibly a children's comic. Around 87,000 copies were advance-ordered through Diamond, including the regular version, the subscription variant, and the "box set," which contained all six covers, according to an IDW spokesperson. Approximately 13,500 Retailer Exclusive variants and orders for foreign markets are included in that number. Including the incentive books, over 90,000 copies will be distributed as initial orders. That will undoubtedly make IDW's My Little Pony comic one of the bestselling titles of November.
|Confessions of a Comic Book Guy--You (Don't Necessarily Have To) Have Heart
|Rolling for Initiative--Out of the Box Games: Why The Kickstarter?
|Confessions of a Comic Book Guy--Do Your Research
|'Comics at Columbia' Exhibit Puts Art and Business in Perspective
|Rolling for Initiative--Oh, Joy, Yet Another Kickstarter!
|'Wonder Woman' Director Named
Release Date SetWarner Bros. has announced director, release date for Wonder Woman.
|Full Story


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What the?!?!? I could be pg after all!
Find a Conversation
|Tue, 05-19-2009 - 6:17pm
|Wed, 05-20-2009 - 5:40am
If you feel like you had a normal flow of a period, than it probably was that.
It is possible that you still had some HCG in your bloodstream - even if you were in process of m/c. The number would go down over some days... and it is probable that the test you took caught your levels as they were going down. That is why it should have been important to have taken that second test to see if the next one went up or down.
I really hope that you still are pregnant, but the odds are not the greatest.
(and to be honest, I wish the person you spoke to would have explained it to you - if you had positive hpts, that it was always probable that your first test would have had some level of HCG in it. It is the second test that was the important one - the first was only a baseline....
About me:
3 fantastic kiddos conceived with no probs in 1st or 2nd month of trying. We thought we were done, DH got the snip. Changed our minds in 2008, 4 cycles of IUI (no meds) using DH's frozen sperm - all BFN.
So, we are dealing with DH's frozen sperm, and my AMA (41 years old, we have no idea if that is a problem yet or not).
Starting IVF#1 - short protocol starting stims around May 1.


text: Boosterball teatime - Tonight's 49s boosterball number result Visit Ladbrokes Save For Later by Bettingpro StaffPosted Share: 2 0 0 Get Lottery Alerts All of the latest 49s results with details of tonight's boosterball teatime draw number and the odds and payouts of backing it.Play 49s and bet on the Boosterball daily at Ladbrokes. New customers can receive a £30 in free bets when signing up through Bettingpro.com and placing just £1049s is a popular lottery game that takes place every day at 1pm and 5pm. It works in much the same way as the National Lottery with six numbers and an additional 'boosterball' chosen at random by a machine.The difference between the National Lottery and 49s, however, is that players have the option to bet on various combinations of numbers, from simply one number to all six. Six numbers and a boosterball are drawn and players can choose to bet on the six numbers or the seven numbers (boosterball included).A popular bet amongst 49s players is to simply bet on one number coming within the seven numbers drawn. The odds on this are 5/1 (a £6 payout for matching your number in the seven drawn).The teatime draw at 5pm is the most popular of the 49s draws and you can check your results for both that and the earlier (lunchtime) draw at the 49s results page. Visit Ladbrokes Read our Ladbrokes review Use the Ladbrokes Promo Code MAXCASH for a £100 free bet From Around the Site Super 6 winner scoops £250,000 jackpot Ladbrokes punter bets £10,000 on Jimmy Bullard to win I'm A Celebrity Paddy Power pay out on Chelsea winning the Premier League No Deposit Required Free Bets No Deposit Required Free Bets at Casinos - November 2014 facebook Twitter gPlus Send email Reddit More Reddit Su Link All Lottery News Recent 49s Articles 49s results - teatime & lunch time drawsA new service has launched to give you instant access to 49s Lotto results ... Ladbrokes Player Wins A Million PoundsAn MBA student from Chester has become Britain's first female betting shop millionaire after winning the 49's lottery jackpot from just £1. ... 49s results - live feed of results & results checkerLadbrokes allows you to play 49s online ... 49s news – South Coast man nets New Year million from £4 stakeA Ladbrokes customer ended 2013 on a high after becoming a millionaire from just a £4 stake.... Boosterball teatime - Tonight's 49s boosterball number resultAll of the latest 49s results with details of tonight's boosterball teatime draw number and the odds and payouts of backing it.... 49's Lottery draw results – Tuesday, January 29The 49's Lottery has two draws every day... Play 49's lottery every day at Betfred49's lottery betting – match three numbers to win £600 and four numbers to land yourself £10,000... 49s Daily Draw results - Thursday, November 29Sunday's 49s results for both the lunchtime and teatime daily draws, plus statistics on the balls which have appeared most recently... Ladbrokes customer wins £150,000 to buy new house after Gateshead floodLucy Storer placed a £1 bet on Ladbrokes Lotto and hit the jackpot after flooding in Gateshead had left her homeless... More Stories Tags


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Michael Sam Victorious Even If Combine Numbers Don't Show It
Despite a mediocre performance at the NFL Scouting Combine, former University of Missouri defensive end Michael Sam emerged victorious
Michael Sam Gets Standing Ovation
A camera operator at the University of Missouri basketball game on Saturday night aimed at Michael Sam
Jason Cole Discusses Michael Sam
The National Football Post NFL reporter shares his thoughts on Sam's impact on the NFL
Tuck: Progressive America Not Ready For Gay Football Players
Missouri's Michael Sam announced he was gay. The media's reaction to it though is the story to me.
Richie Incognito, Jonathan Martin Support Sam
Add two more players around the NFL that support Michael Sam: Jonathan Martin and Richie Incognito
Jason Collins Talked With Sam Before He Came Out
Jason Collins, the NBA player who came out last summer, met with Michael Sam a few days before
Donovan Bonner: 'Proud Of My Bro Mike'
Donovan Bonner played alongside Michael Sam for five years at Missouri. Sunday, after Sam announced
Michael Sam Wanted To Make Sure He Broke The News
While defensive end Michael Sam came out to the general public on Sunday night, his teammates
NFLPA President Says Players Will Accept Sam
NFLPA president Domonique Foxworth thinks that NFL players will accept Michael Sam "with open arms"
NFL Reacts to Michael Sam's Decision to Come Out
Present, former, and future players of the NFL react to Michael Sam's decision to come out as an openly-gay athlete


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By: SparkOfSexLife
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use mine next time sexy
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You look so Hot!!
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sexy awesome!
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90210 Pictures from "Lucky Strike"by Matt Richenthal at Comments
We still can't believe hilarious grandmother Tabitha Wilson wasn't in last night's episode of 90210. Fortunately, though, there were many...Continue Reading
We still can't believe hilarious grandmother Tabitha Wilson wasn't in last night's episode of 90210. Fortunately, though, there were many...Continue Reading
Run for cover, residents of Pine Valley. New All My Children Head Writer, Charles Pratt Jr. told Soap Opera Network that a tornado will...Continue Reading
Might Shayne Lewis be making another stop in Springfield? A spokesperson for Guiding Light told Soap Central that the show is exploring...Continue Reading
Just a small follow-up on a Private Practice spoiler we reported last month regarding Dell. Seems all but certain that he's leaving ......Continue Reading
Actor-writer-director Eric Stoltz is directing an episode of Grey's Anatomy in Season Five, which he deemed a significant and very...Continue Reading
What's new on the Cristina Yang romance front? According to E! Online, there appearance of new guest star Kevin McKidd has been...Continue Reading
Guess we shouldn't be surprised that a chapter called "Villains" would focus on Sylar. Here's a collections of Heroes spoilers and...Continue Reading
Private Practice is back (October 1), and the cast shared a little info at the premiere party for the Season One DVD (out September 16)....Continue Reading
Here's a fun The Young and the Restless spoiler: Tonya Lee Williams is cominng back to the show in the role of Olivia Barber Hastings....Continue Reading
Niki died in a fire during the season two finale of Heroes. That much is true. But new Heroes spoilers reveal that Ali Larter will,...Continue Reading


text:
Check out this unique picture frame by Urban Outfitters. The Sunglasses Photo Frame is a "kooky oversized sunglasses picture frame" that shows your 3.5×2.75 photos through the two lenses. The temple arms work as a stand for the frame.
Read more…
Check out this unique picture frame by Urban Outfitters. The Sunglasses Photo Frame is a "kooky oversized sunglasses picture frame" that shows your 3.5×2.75 photos through the two lenses. The temple arms work as a stand for the frame.
Read more…
Polaroid pictures might have an iconic look, but finding an elegant frame for them requires more than a trip to your nearest department store. Swiss design group Refurnished has a beautiful "Polaroid SX70 frame" that protects your white-bordered pictures inside a handmade wooden case.
Read more…
Steven Alan and Ben Boutwell made this clever little short of themselves taking photos with a magical picture frame. It's titled "Frame of Mind".
This is what the new Nikon D4 looks like when stripped down to its rugged magnesium alloy frame.
(via Nikon Rumors)
Talia van der Wel of New Zealand wanted a simple and beautiful way to display instant photos, and came up with the idea of an empty frame in which photos are hung on clothespins from twine. After sharing the idea with her husband, he went and created the frame out of an old wood lattice.
Read more…
Always looking to upcycle her old things, entrepreneur Heidi Lehto came up with the idea of turning VHS cassette cases into 3D picture frames that have a secret storage compartment. She drilled the case into the wall using a couple of screws, and uses it as an easy-to-access business card holder.
Pakkomielle [Divaan]
Check out this awesome picture frame: it's an old french door that was cut in half, stripped, painted, distressed. Old windows can make for unique frames as well!
(via Reddit)
Image credit: Photograph by TheContrarian2 and used with permission
"Airframe", designed by Korean designer James Kim, is a picture frame shaped like an airplane window.
Whether you are a seasoned traveler or new to the skies you can always have a lofty window seat view with this portal overlooking aerial views from your memorable vacation.
They come in sets of 3, which cost $47 each over in the designboom shop.
Bits of Everything has a great tutorial on how you can make a large and beautiful picture collage for your wall on the cheap: the entire project costs less than $20. Mod Podge glue, which dries clear, is painted over the entire thing to give board a matte finish. This could definitely make for a fun and photographic weekend project.
Wall Picture Collage [Bits of Everything]
Buying large frames for displaying your prints can be expensive. For those of you who are rich in time but short on money, Oh Happy Day has an awesome tutorial on how you can create nice-looking picture frames for just $5. The main ingredients are plexiglass, mat board, cardboard, and paper tape. Buying all the supplies will set you back around $50, but you should have enough material for around 10 frames.


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[ skip to content]
Essential maintenance work is being carried out on the council's telephone system tomorrow, Friday 21 November between 6pm and 12am. This means the council's telephone numbers with the '29' prefix will be unavailable. If you need to get in contact with the council, you can use the alternative numbers below:
Community services support - 07717586308 or 07717588448, Children services - 0800 085 3737, Out of hours emergency - 01724 276444
Find out what's on in North Lincolnshire.
View our latest consultations and petitions or find your local MP and councillor
North Lincolnshire Council, Civic Centre, Ashby Road, Scunthorpe DN16 1AB
01724 296296, Customer Contact Centre 01724 297000


text:
November 27, 2014
The Harrisonburg school system says it needs some help with its booming English as a second language population.
Out of its 4,029, almost 1,200 speak English as a second language.
The school board is asking the governor and general assembly to dramatically increase state funding for localities that are seeing a vast increase in ESL students.
The board also wants ESL students to be graded on their achievement and not just mastery of the English language.
The school board has also cut its choices in half regarding kindergarten through eighth grade configuration.
It has not eliminated the citywide fourth and fifth grade school option.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or email@example.com.


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Vail Condo Rental Photos and Description
Condo, 3 Bedrooms, 3 Baths, (Sleeps 7-8)
Three bedroom condo located in Lionshead next to the Marriott Hotel. App. 1450 sq. ft. Short walk to gondola and lifts. Perfect location and reasonably priced. Located on the second floor with elevator letting off at front door. Small quaint building of only twelve units. Town of Vail Bus and ECO bus stop across the street. Very kid friendly . We have alot of repeat quests if you need a referral .
Keywords: Condominium
- Suitability:
- Minimum Age Limit for Renters
- children welcome
- non smoking only
- pets considered
- wheelchair accessible
Why The Owner chose Vail
We are a skiing family and hope some day to retire in CO.
What makes this condo unique
Perfect location, great in summer and winter. The best skiing mountain anywhere!


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WikiLeaks server goes down, Swiss sayQuicklink submitted by Sheila Samples Permalink
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|WikiLeaks' founder Julian Assange turned increasingly to Switzerland on Sunday, dodging a barrage of threats online and in the real world to keep access to a trove of U.S. State Department cables under a Swiss Web address. Also see Video: Assange readies 'poison pill' in case of arrest.
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Within the century-old confines of Uptown Glassworks' warehouse, furnaces melt handfuls of kaleidoscopic frit into malleable shapes manipulated by a team of professional glass blowers. But these tradesmen don't just create works for the gallery; they also share their secrets with students in a variety of activities, from introductory courses on making beads and paperweights to advanced instruction that can be applied toward college credit or used to fix the pockmarked walls of glass houses.
During the shop's Blow-Your-Own sessions, participants apply color to clear, molten glass that has recently emerged from a 2,000-degree furnace, then blow their mixture into 1 of 20 different shapes. The next day, patrons can pick up their cooled and packaged creations, comparing their handiwork to the gallery's collection of products, which are made by more than 90 local and regional glass artists.
The Seattle Majestics, of the Independent Women's Football League (IWFL), are a professional organization based in Seattle, Washington and are the premiere women's tackle football team in Washington State. They play 11-on-11, NFL-style tackle football against teams nationwide.
Formerly the Lingerie Football League, the Legends Football League stands as the "fastest-growing pro sports league in the nation" according to NBC Sports correspondent Rick Chandler. That success owes much to the league's unique format, which pits two exclusively female teams in alluring uniforms against each other in full-contact football games on a 50-yard field. Donning football pads and helmets over their revealing performance wear, the female athletes block, juke, and sprint uninhibited by such frivolous gear as the NFL's heavy chainmail hauberks.
The gridiron showdown will commence at the ShoWare Center in Kent. Redeem your Groupon at the stadium's will call for the best available seats in your chosen section. Check out the seating chart here.
Onlookers gasp as the graceful figure tumbles to earth in a slow-motion plunge. Her strong legs twist and spin down a billowing swath of deep-red fabric like a spider expanding its web. It is awe rather than fear, however, that draws the crowd's gasps, as the elegant descent is performed as a demonstration by one of Emerald City Trapeze Arts' skilled instructors during a silks class. A dedication to teaching students of all ages and abilities the skills necessary to capture both the beauty and athleticism of the circus arts is the studio's main mission, upheld by a cadre of circus-grade instructors and a friendly staff.
Below the soaring ceiling of exposed old-growth beams, students leap and balance on well-maintained circus apparatuses as their instructors correct their form and ensure their safety. The staff welcomes aerial enthusiasts to experience the sky-splitting thrills of all manner of circus specialty, from the flying trapeze to acrobalance to hatha yoga performed on the top of an elephant's stiletto. Along with high-flying classes, Emerald City Trapeze Arts' crew celebrates the circus arts via dances and parties held within the whimsical-yet-rustic venue, from merriment-packed Halloween festivities to energetic performances by staff and students.
Thalia, one of the Greek muses said to inspire artists, must have paid Seattle a visit in 1949. That's when Mikael Scheremetiew—himself a violinist and conductor—established the Thalia Symphony Orchestra and named it for that mythic figure. Scheremetiew's wish was to give fellow local musicians another creative outlet, and it was more than granted. After a brief flirtation with opera, the organization devoted itself to music, and the aural tradition continues today.
The modern iteration of the orchestra, headed by new conductor Michael Miropolsky, features 80-plus instrumentalists, a core group frequently joined by noted soloists. The ensemble regularly performs unique concerts showcasing the work of composers united by common themes—a Tchaikovsky suite might share billing with a Dvorak symphony, while a Wagner overture could be accompanied by Schubert's latest remix. The orchestra's access to such a wide range of works is partially afforded by its Thalia Scheremetiew Library, one of the largest private music collections in the region.


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- Publisher: Strategy First
- Release Date: Nov 12, 2001
- Critic Score
- Most active
- Publication
- Most clicked
My current favorite for top strategy game of the year. It's more playable than the original and there is a wealth of new options that increases replayability by a factor of ten.
If you're at all interested in history or empire-building games, you owe it to yourself to play this game.
For those willing to take on the still-steep learning curve, however, and for whom diplomacy is more than just trading Ironworking for The Wheel, EU II is possibly the best historical strategy game there is.
It manages to maintain a consistent level of sophistication and high complexity without sacrificing what really makes strategy games fun.
True, the learning curve is Himalayan, but once I got sucked in, my love of strat games was instantly rekindled. [Feb 2002, p.73]
Although the new game doesn't represent the jump in production values that some might have hoped for, the gameplay changes should give fans of the first game plenty to work with.
An intriguing challenge, and one of the better civilization games to emerge this year.
It would be a shame to pass up Europa Univeralis II over something flashier because the likelihood is that others just cant compete with the combined epicness and fun of the game.
One of the results of all the additional options is that Europa Universalis isn't as straight jacketed by history as it used to be.
Since there's so much interesting information in the game, some drudgery and a lot of time spent reading statistically-based screens and news about what's happening in other parts of the world, your basic playability is bound to suffer.
User Score
Generally favorable reviews- based on 61 Ratings
User score distribution:
Positive: 12 out of 12
Mixed: 0 out of 12
Negative: 0 out of 12
AViewAMNov 2, 2006This might be the best strategy game ever. Hopelessly addictive and highly detailed. My only regret is the lack of focus in Asia but methinks there's an expansion pack for that, if I recall correctly.… Full Review »
Mar 20, 2014This might be the game I've played more times in all my life.
The first time you play it, when you start a game before have done the tutorials, everything seems to be really hard and somethings have no sense.
I have been reading about this game, and I think, the important thing about this, is that the game is not an empire builder, instead it is an historic simulator in which you can try to play as a nation, and it is going to be easy to recreate the history, but it's going to be hard to change it, because there are lots of mechanisms made in order to avoid that.
But the most important thing I want to say about the game is that it is really fun to play it. I have try some of its sucessors, but no one is so fun.… Full Review »
Jul 28, 2012Perhaps it's my personal fav of all time. For years, since I was a young boy, I'm playing this masterpiece. Complexity and great depth made it a milestone in the history of computer games. I believe that this game, along with EU1 had just changed the whole strategy games' industry.… Full Review »


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Do you use hot water to soak it in or in the microwave??
How do y'all warm bottles?
Posted 01/13/2013
I dont own a microwave....it helps me and DH make healthier choices.
I use a bottlewarmer
I use a bottlewarmer
Married DH Oct 2011 / DS born Oct 24th 2012!
Posted 01/13/2013
I use a pot of boiling water. If I'm out I will use the microwave.
Posted 01/13/2013
Bottle Warmer.
With my 1st I used to microwave breastmilk and later found out your never supposed to microwave BM.
Posted 01/13/2013
yup just get hot water in cup and put bottle. I dont like microwaves
Posted 01/13/2013
I just use warm water from th sink of I'm making formula bottle just add warm tap water to the powder breast milk I set in a cup of hot water
My Bug- 9-14-09
Baby Quynn 11-2-12
Posted 01/13/2013
I never micro formula or breast milk, but I will put water in micro for 20 secs to warm before I put powder in and shake.
My breast milk is stored in bags so I warm that in a cup of hot water.
And my ready to feed formula I have to keep in the fridge I warm in my bottle warmer.
My breast milk is stored in bags so I warm that in a cup of hot water.
And my ready to feed formula I have to keep in the fridge I warm in my bottle warmer.
Maddly in love with my baby girls and my SO:)
Anna born 10/09/09 - Ava born 11/19/12
Posted 01/13/2013
I pre mix formula and keep it in the fridge so I nuke it in the microwave
Anxiously awaiting our RAINBOW baby due November 19, 2012.
Posted 01/13/2013
We don't warm our bottles. We FF and feed with room temp gerber nursery purified water.
Mommy to my Masonite 11.14.12
Posted 01/13/2013
microwave. our formula is premade an in the fridge, so I just throw it in the microwave for long enough to get the chill out. I've done it that way with all 3 kids and never had any issues with hot spots.
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