text:
Nationally significant as the boyhood home of Spanish-American War hero and U.S. Congressman Richmond Pearson Hobson, Magnolia Grove is a Southern archetype of what many tourists expect to see in the Deep South. As Hobson's house, however, it presents a more fully-rounded interpretation of our complex regional history. In addition to his military fame, he was a Progressive-era politician who championed womens rights and civil rights, as well as a national leader in the fight against alcohol and drug abuse.
Magnolia Grove is a historic house museum located on 15 acres at the west end of Greensboro's historic district. The Greek Revival home was built around 1840 by Colonel Isaac Croom. It is also the boyhood home of Richmond Pearson Hobson, a Spanish-American War hero and a progressive statesman. Site Director: Eleanor Cunningham Phone: (334) 624-8618 Email: email@example.com
Magnolia Grove lesson plan for teachers
Admission: Adults, $7; College students & seniors, $5; Children 6-18, $4.
Blue Star Museum: free admission for active duty military and families between Memorial Day and Labor Day.
**Groups are ten or more people School groups are required to have 1 adult per 15 students. Those adults are admitted at no charge
Tuesday through Friday, 10 am-4pm. First Saturday of each month 10am-2pm. Sunday grounds only 1 pm-4pm. Other times by appointment call 334-624-8618.Closed all state holidays.
Group tours:
Contact the site to schedule group tours a minimum of two weeks in advance. Directions:
1002 Hobson St, Greensboro, Alabama, 36744. The house museum is located at the junction of Main and Hobson Streets. Regular Programs:
Hidden Treasures of Magnolia Grove offers informal lectures and presentations on selected objects in the Magnolia Grove collection.


text:
BennieGamaliLieutenant Commander |
Last Activity: September 12 2014 01:23 PM
About Me
- About BennieGamali
- Gender
- Female
- Biography
- I love the Borg.
- Location
- Norway.
- Interests
- Pets, reading, writing, Star Trek, sci-fi, and on and on
- Occupation
- IT Student.
- Interests
- Star Trek: The Original Series, Star Trek: The Next Generation, Star Trek: Deep Space Nine, Star Trek: Voyager, Star Trek: Enterprise, Star Trek Movies
- "I've seen things you people wouldn't believe. Attack ships on fire off the shoulder of Orion. I watched c-beams glitter in the dark near the Tannhäuser Gate. All those moments will be lost in time, like tears in rain." - Roy Batty

subset: commoncrawl


text:
Indiana first-quarter tax collections exceed predicted numbers by $4.5M
Tax revenue up 2 percent over same time in 2012
INDIANAPOLIS - Indiana's tax collections have exceeded what forecasters had projected – but just barely – over the last fiscal quarter.
For the months of January through March, Indiana took in $4.5 million more than was predicted in a revenue forecast that was revised in December. Over the first nine months of the fiscal year, the state is $74.4 million ahead of that forecast.
The revenue numbers are positive news for Republican Gov. Mike Pence, who is pushing the General Assembly to enact an individual income tax cut that lawmakers have suggested would be far less likely if the state's financial shape worsened.
The state's total tax collections so far in fiscal year 2013 are 2 percent ahead of the amount Indiana took in up to this point in fiscal year 2012, said Chris Atkins, Pence's state budget director.
Indiana's revenue numbers have fluctuated wildly over the first three months of 2013 – a fact that Atkins attributed to the Internal Revenue Service slowly processing taxes that were filed in January.
In January, Indiana took in $106 million more than expected. In February, though, the state collected $21.6 million less than predicted, and in March, Indiana fell $80 million short of projections.
"We believe that approximately $68 million in refunds were processed in March instead of January and February, which caused individual income tax collections for those months to be overstated and March collections to be understated," Atkins wrote in an analysis that accompanied the March revenue report.
"After accounting for this shift, we believe individual income tax collections were $63.8 million above forecast in January and February combined (instead of the reported $131.8 million) and $15.0 million above forecast in March (compared to negative $53.0 million in this report)."


text:
They join more than a dozen relatives for the party at Chuck E. Cheese's, where Anne gets to talk more with Angelina, getting to know her on a deeper level. "You start really seeing the people, not just Œthese are kids who need help,'" Anne says. "This is a family that needs love, support, friendship." That day, Marc and Anne decide to bring Tony into the fold, too, even though he isn't a part of the DAYS program.
Marc and Anne begin alternating weekends: Tony and Crystal on outings to Nuggets games and "older cousin" activities, Michael and Juliana together on a different day. Anne describes this as "a new chapter."
"We've gotten so much from those kids," she says. "It really puts things into perspective. What is important? What is important to us? Our whole lives, the struggles that we've been through. We have a purpose now. I don't know what long-run difference we'll make in these kids' lives, but we've done something right: We've now got four instead of two."
In mid-December, DAYS hosts a dinner for all past and present mentors at the Aquarium restaurant. Although they still have one month to go to hit the one-year mark as mentors, Meyerhoffer tells Marc and Anne that he's nominated them for the federal government's Outstanding Mentor Award.
"I think that this experience has not only changed the lives of the kids that they deal with, but really impacted Marc and Anne's life," Meyerhoffer says. "As people, as a couple, as community members, they have really grown into more than I even expected."
In the last three months of 2005, Meyerhoffer has signed up twenty new mentors -- only five of whom are male. Still, that's a tremendous improvement over the previous three months, when he added only five mentors total. The program's three-year-grant will run out in October 2006. Meyerhoffer would like to see the mentoring continue, but it will depend on alternative funding sources. In the meantime, he's doing everything he can. "I have family after family beating down my door," he says. "I have fifteen kids to match to in the next month."
Over Christmas, Marc and Anne return to Chicago. On Christmas morning, they serve food at the Salvation Army shelter where Marc lived for eight months after being released from prison. They go by the townhome where Marc grew up and run into one of his old neighbors. The woman is shocked that Marc is not only alive, but in college with a job and a wife. She remembers hearing the drag-down fights at Marc's home when he was a child, says that the neighbors just didn't know what they could do to help.
This is the first time someone has acknowledged his shitty upbringing, Mark realizes. It was real; he didn't just imagine it. They continue to tour Marc's old neighborhood, where every street corner and storefront dredges up a memory. He and Anne are making their way from the past to the future, step by step. And they hope to bring Michael and Juliana and Tony and Crystal along.
"You can't know everything that's going to happen because of what you're doing," Anne says. "You can't honestly know what you're affecting. Because we're just two people, and you wouldn't think two people with our histories could make a difference or understand that they could make a difference. We do."


text:
HD 9000 Series rumor to drop on October
Articles, Graphics Card, News July 04, 2013 by Winslow Co
We might be in for a new AMD series GPUs by this year. Yey! Rumors are now circulating that AMD could be skipping the HD8000 series and directly go to the HD9000 series, and this could be launched on October this year.
The reason that AMD might abandon the whole HD8000 series because they are already started in re-naming HD7000 series GPUs as HD8000 series and sold as parts to OEMs. As for the the Radeon HD9000 series, it is anticipated that it will be base on the Curacao and Hainan chips. These are 28nm chips based on the GCN2.0 architecture, this new architecture is reportedly has an improved front-end with 4 asynchronous computing engines, as well as a higher number of stream processors.
The Curacao XT graphics processor is expected to feature 2304 stream processors (36 compute units), 144 texture units, 48 render back ends and 384-bit memory controller. The Hainan is projected to have 1792 stream processors (28 compute units), 112 texture units, 32 render back ends and 256-bit memory controller. Both chips will share the same front-end (just-like current-gen Radeon HD 7900 and 7800 do) with 4 asynchronous computing engines [ACEs], 3 geometry engines, command processor, global data share and so on.
I really don't care what the above specifications means. But I believe that one thing is for sure, the new HD9000 series that might be released this year will rival the Nvidia 700 series. It is said that this series might be release along side the next-gen consoles when they get launched late this year in preparation of the holiday season. We all know that both the PS4 and the Xbox One carries AMD processors and AMD GPUs. And for sure, the road to this release will be nothing but exciting, if this rumor would produce something, then we only have a few months left to wait.
AMD have not commented regarding this rumor, although if you are an AMD fan, this rumor would likely help you hold of your upgrade to a GTX700 series graphic card.


text:
what was your dream about..
Islamic dreams about Animal Genitals find dream interpretations. Meanings & explanations for Animal Genitals dictionary!
Animal Genitals dream interpretations
Genitals Dream Explanation
— See Pudenda.
Animal Dream Explanation
— • Marrying any kind of animal: Will marry a woman having similarities to such an
• If the
is consenting: The woman will go in the husband's direction, be it right or wrong.
• Domestic animals turning wild: Evil and harm and vice versa.
• Plenty of beasts: The rural population.
• Turning into a deer or any other kind of wild animal: Will isolate yourself from the Muslim community.
• The milk of wild beasts: Rare and scarce money.
• Drinking the milk of wild beasts: Religious enlightenment and asceticism.
• Owning and controlling wild beasts: Will control Muslim renegades.
Saddling an
Dream Explanation
— Improper saddling of an
for a ride in a dream means imposition upon oneself or others, or it could mean unnecessary and inadequate going out of one's way.
Skinning an
Dream Explanation
— (Peel) In a dream, skinning an
represents an unjust ruler, a tyrant, an oppressor, a policeman who takes people's money and disappears, or a policeman who can be bribed.
Animal bones Dream Explanation
— (See Bones)
Hunting a Wild
Dream Explanation
— If a person sees himself as hunting a wild
it means he will acquire wealth and booty-whether the hunted
is a male for female.
Slaughtering a Haraam
Dream Explanation
— This means he will oppress someone whom the Haraam
Eating the Head of an
Dream Explanation
— This is a glad tiding that the one who eats this will be blessed with a long life and plentiful of wealth. And the head of a human being is regarded as better and more excellent.
Killing a Wild
with No purpose of Hunting Dream Explanation
— he will become a recipient of a fortune from some woman.
Driver Dream Explanation
— (Animal driver; Grooming; Tending; Stableman) An
driver in a dream represents a leader, a president of a group or corporations or a wealthy person. In general, seeing a groomer, an attendant, a driver or a stableman in a dream denotes a bad dream and implies impetuousness, a pimp, a procurer, a pander, an officiant, an adulterer, or one who drives a chained male
to copulate with a female
. (Also see Copulation)
Bisexual Dream Explanation
— A bisexual man seeing only his male genitals: (1) Will repent and become exclusively heterosexual. (2) Will divorce his wife or abandon his mother and some in-laws.
Copulation Dream Explanation
— (Breed; Farm; Raise) If one sees himself driving a male
to copulate with a female
in a dream, it means a good harvest for that year. (Also see Driver)
Pudenda Dream Explanation
— (Also see Naked)
• The pudendum (the area of the body between the navel and the knee) being uncovered: The dreamer will fall in disgrace, his privacy will be invaded, and his enemies will rejoice at his misfortune.
• Showing one's pudendum by removing one's clothes or part thereof: The dreamer will lose the major portion of something he had already acquired, save for the equivalent of the part still covered. Such acquisition could be religious knowledge, for example.
• Taking off one's clothes in a souk, or marketplace, or in a crowd and being shamed because the
are protruding, though the clothes have not been removed completely: Scandal, especially if nothing alludes to any kind of philanthropy in the dream.
• The same dream, except that the dreamer is wearing no clothes whatsoever, would mean that: (1) A plea will be rejected or a wish will not be fulfilled. (2) He will be deposed, if he happens to be a ruler; or will lose the headship anyway. (3) Will be criticized for something he insists upon. If the private parts are not protruding and the dreamer does not feel ashamed, though nothing is left of the clothes, the dream means the end of worries and problems. For instance: (a) If the dreamer is ill, God will heal him. (b) If indebted, his debt will be settled. (c) If scared, he will feel secure. (d) No enemy will gloat over him.
• Taking off one's clothes while busy doing something: The dreamer is persevering and will reach his objective.
• Seeing oneself without clothes and with the
apparent: The dreamer will overwhelm one's enemies at that spot. If the
are covered, it would not be so. More, in case the dreamer himself had covered his pudendum with anything or simply with his hand, he would be taken by force to these enemies, but escape from them.
• Being naked while asking for something: The dreamer will get what he wants inasmuch as he was naked (though nakedness for no purpose or without being busy doing anything means hardships, disobedience, and disgrace).
• The pudendum being apparent without the dreamer looking at it or feeling ashamed or anyone paying attention to it: An ordeal will be over, be it a loan, a debt, some kind of fear, or a worry of any sort.
• Wearing nothing but an apron round the waist: The dreamer is a real zealot.
Sneeze Dream Explanation
— A sneeze symbolizes certainty after doubt. Sneezing out an
means someone will have a child who will bear the dreamer's name. If that
is a cat, the child in question will become a thief. Conversely, a dove means a beloved daughter.
Bones Dream Explanation
— (Animal bones; Money) Seeing
bones in a dream means a new garment, one's capital, or a major event. Collected
bones in a dream signify owning a shop, a house, or a real estate. If a poor person sees bones in his dream, they denote his piety and fulfillment of his religious duties. Bones in a dream also represent one's helpers, family, wife, children, vehicles and properties. Seeing one's bones in a dream means exposing one's secrets. If one sees his bones turned ivory in a dream, it means that his wealth is gathered from unlawful money. Bones also could represent trees and their fruits, while their marrow represents one's good character or knowledge. Bones in a dream also denote one's fitness or sickness. (Also see Body)
Mouse hole Dream Explanation
— (Den; Lair; Hole; Burrow) In a dream, any hole or den of such mammals means pursuing innovations in one's religious practices, or being attached to following leaders of such ideas and who will lead people astray. A den in a dream also represents the element of charcoal. If one sees an
coming out of a hole or a den in a dream, it means that he will utter words that befit the character of such an
Barber Dream Explanation
— (Hairdresser) A barber in a dream represents a person who benefits the meek and the poor, though he harms the rich. A barber, or a sheep shearing person also represents a corrupt police officer, or a street gang leader who taxes local businesses. If shearing the
is necessary, then the dream will mean comfort and benefits for both the man and the
. (Also see Hairdresser)
Civet Dream Explanation
— (Castor; Civet cat; A fatty substance with a musk like scent which is secreted by a gland near the
of a civet, a deer or a beaver. This substance is also used in making perfumes.) In a dream, a civet represents honorable profits or valuable properties, botanical gardens, a school from which one can acquire knowledge and draw benefits, or a business from which one can make profits, or it could mean a profitable leather trade. If one prepares the civet on fire in the dream, it means that he is preparing amber perfume, musk or aloe perfume that is extracted from an aromatic heartwood of the mezereum tree family.
Slaughter Dream Explanation
— Slaughter means: (1) Repudiation of one's parents. (2) Injustice.
• Seeing a slain person without knowing who killed him: The dreamer has come out with a heresy or made a false testimony.
• Slaughtering one's father, mother, or son: The dreamer will either repudiate or attack one of them.
• Slaughtering a woman: The dreamer will have sex with her.
• Slaughtering a female animal: The dreamer will make love to a woman and deflower a virgin.
• Slaughtering a male
by attacking it from behind: The dreamer will sodomize such an
• Slaughtering one's father, mother, or son: The dreamer will either repudiate or attack one of them.
• Slaughtering a woman: The dreamer will have sex with her.
• Slaughtering a female animal: The dreamer will make love to a woman and deflower a virgin.
• Slaughtering a male
by attacking it from behind: The dreamer will sodomize such an
• Slaughtering a young boy and grilling him: The dreamer will be unfair to that boy and slander him, provided the boy is old enough to be the one meant in the dream; otherwise the dream applies to his parents. If the boy turns out half-grilled, the accusations will be false.
• Seeing parents eating their young boy grilled: They will share his prosperity and benefit from his bounty.
• A ruler slaying a man and putting him, decapitated, on the dreamer's neck: The ruler will commit an injustice toward the victim, asking him impossible things and requesting the dreamer as well to pay a heavy sum that he cannot afford, exactly like the burden that the slain person felt. A man told Ibn Siren, "I saw a woman in my dream, last night, butchered in her house and lying in her blood." "She must have had sex in her bed last night," said the interpreter. The man left Ibn Siren's house fuming, because the woman in question was his sister and he knew her husband was away. When he arrived at her place, he discovered that her husband had returned the previous day and uttered a sigh of relief.
Peel Dream Explanation
— (See Skinning an animal)


text:
#10 Trend in Impact Investing in 2012: The U.S. Heats Up
Last year, we previewed what we thought the top trends in impact investing/social enterprise would be, and with a few glaring exceptions, we were pretty spot-on. In the next 10 days, we're going to take a crack at the upcoming year (though, with it almost being February, maybe we're cheating a bit by having a sneak peek. Too bad.) Without any further delay, here's trend #10:
Most of the press surrounding impact investing has been international; over 50% of the featured social entrepreneurs in Forbes' "Impact30" are US-based, but operating abroad (e.g. Jacqueline Novogratz, Willy Foote). In a survey we did of over 300 impact investing funds, fewer than 10% were U.S. focused, though over 50% were U.S. based. While some major funds and entrepreneurs (e.g. RSF Social Finance, Calvert Foundation) have been active in the U.S., the bulk of activity hasn't been concentrated in the States.
In 2012, that will change. We see major moves towards impact investing in the U.S. on three fronts:
- Impact investors with an increasing U.S. focus. Brian Trelstad, Chief Investment Officer of the Acumen Fund, is taking lessons learned from Acumen Fund and applying them to the development of a U.S. fund; Kevin Jones, founder of Good Capital and SoCap is working on the launch of his second fund later this year; and Investor's Circle has dropped its international companies to move to a 100% U.S. focus. More impact funds are being started—2011 saw the scale-up of Cleveland-based JumpStart and the launch of the New Orleans Startup Fund, an Acumen-model impact fund focused on the greater New Orleans region. And the Hub Cities Fund looks to seed an ambitious number of new Hubs in North America.
- The nonprofit sector gets more active in impact investing. In October, Antony Bugg-Levine, managing director of the impact investing initiative at the Rockefeller Foundation (and author of the term "impact investing), left to become CEO of the Nonprofit Finance Fund. Many in impact investing were puzzled as to why one of the poster-boys of the impact investing movement would join the nonprofit world, but it's indicative that nonprofits are getting more clever with how they use resources. The Nonprofit Finance Fund has over $80 million in assets under management—larger than most impact funds in the world—and deals with organizations that most Americans come more regularly in contact with than "social enterprises": churches, homeless shelters, and schools. Similarly, Village Capital's chair, Joy Anderson, is launching the Church as an Economic Being initiative in 2012 to look critically at how churches—America's biggest nonprofits by a longshot—use their finances to generate impact.
- City, state, and local governments get active. In 2011, we saw the U.S. government get active in impact investing internationally, through USAID's Development Innovation Ventures program and OPIC's Call for Proposals on Impact Investing. In 2012, we're already seeing the U.S. government get more active in its backyard. Nish Acharya, one of the most respected individuals in social enterprise as the director of the Deshpande Foundation, recently joined the U.S. Government as the Director of the Office of Innovation and Entrepreneurship in the Department of Commerce. On a more local level, Detroit, Cincinnati, New Orleans, New Haven, and Atlanta are all launching local impact investing initiatives. As governments are pushed to do more with less, impact investing is looking like an increasingly compelling policy tool.
Finally, the U.S. economy is not out of the woods, but is getting better. With a bit more risk-tolerance, but still feeling the sting of an economic recession (and the hopes to avoid another one), those with capital in the U.S. are looking to take 2012 to do things a bit differently.
By Ross Baird. Photo credit Hu Toya.


text:
Is Neurostim Becoming a Reality?
More Crichton Goodness! (249 comments)
Thank christ, another Michael Crichton reference. I was afraid they were taking an extended break.
The Terminal Man. "He's an elad." An electric addict. Stick wires in the brain to trigger responses from the pleasure centers. Push the button enough times and you're set for life, or at least until you pass out from not eating because you're loving the buzz. What a great world!


text:
Latest additionsAbstractMedical records, patient privacy and the control of informationArticle by Joan Loughrey (Senior Lecturer in Law, University of Central Lancashire) published in Amicus Curiae - Journal of the Society for Advanced Legal Studies. The Journal is produced by the Society for Advanced Legal Studies at the Institute of Advanced Legal Studies, University of London. Loughrey, Joan (2003) Medical records, patient privacy and the control of information. Amicus Curiae, 2003 (48). pp. 26-28. ISSN 1461-2097
Files available for downloadg
Official URL: http://ials.sas.ac.uk/publish/amicus/amicus.htm |


text:
Wed, Jan 6, 10 at 18:19
When the wall unit or the remote button is pushed to lower the door, it goes down about 6-8 inches then goes back up. Sometimes it will go down about 2 feet then back up too. Once it goes back up, the light clicks on and off like 9 times. I assume this is some kind of code. I have looked at the sensors. Cleaned them. Lined them up properly. And both green lights are on, and they seem to be functioning properly. I have also adjusted the down force screw on the box and nothing has helped. The only thing visually that worries me is that the chain is very loose and hangs down past the T-rail about 3-4 inches. Never noticed this before so this may not be an issue, but thought it was worth mentioning. I have read hundreds of posts on here all the way back to 2005 on this subject but could not find anything that has fixed this issue. I do get it to go down sometimes by holding down the wall unit button or the remote. But that isn't working much anymore. So before I go buy a new unit I wanted to get any thoughts that anybody may have. You guys on here are pretty darn sharp and I look forward to your feedback. Thanking everyone in advance. Take care. |
Follow-Up Postings:
- Posted by golfmanlegends (My Page) on Wed, Jan 6, 10 at 18:24
Also, the lights on the sensors are a solid green. No flickering. Thank you. |
- Posted by golfmanlegends (My Page) on Fri, Jan 8, 10 at 11:54
Thank you everyone that helped me with this. It is fixed now! Somebody posted the Tech Support direct line and the lady walked me through every single step until it was opertating perfectly! For FREE! Wow! She had me read the yellow blinking light on the box as it was blinking 4 times then pausiing which is a sensor issue. Then she had me detach the receving eye sensor, pointed it at the ceiling for a few seconds, then reinstalled making sure the green lights stayed on both of them. Pulled the rope down on the trolly, then loosened the nuts on the chain screw while making sure the chain did NOT twist, and tightened the nuts down until the chain was about 1/2" above the T-rail. Very important not to get this too tight/not more than 1/2" above the rail. After trying everything from hundreds of posters, this phone number finished the job: 1-800-528-9131. I was this close to buying a whole new opener, so lesson learned: Keep asking for help until everything has been exhausted! |
Please Note: Only registered members are able to post messages to this forum. If you are a member, please log in. If you aren't yet a member, join now!
Return to the Garages/Workshops Forum
Information about Posting
- You must be logged in to post a message. Once you are logged in, a posting window will appear at the bottom of the messages. If you are not a member, please register for an account.
- Please review our Rules of Play before posting.
- Posting is a two-step process. Once you have composed your message, you will be taken to the preview page. You will then have a chance to review your post, make changes and upload photos.
- After posting your message, you may need to refresh the forum page in order to see it.
- Before posting copyrighted material, please read about Copyright and Fair Use.
- We have a strict no-advertising policy!
- If you would like to practice posting or uploading photos, please visit our Test forum.
- If you need assistance, please Contact Us and we will be happy to help.
Learn more about in-text links on this page here


text:
I planted a bunch of peonies last fall. This spring the ones I planted are soooo slow. quite a few aren't poking out yet. The ones I planted the year before are already 6 inches tall or so. Is it normal for peonies to be really slow coming up the first spring after they are planted? If they don't come up, I wonder if I can send them back to the vendor and get replacements? They were pretty expensive! |
Follow-Up Postings:
They are usually up the first year . Must be very careful not to plant them too deep and best with eyes up. Maybe scratch down a bit and see what is going on? Ginny PS Where did you get them? |
I have found that with nearly all my perennials, peonies included, they come up faster the older they get. |
I got them at La Pivoinerie D'Aoust, and a few more at Les Jardins Osiris(mainly itoh's from here). The itoh's seem to be very slowly emerging, but quite a few of the herbaceous(besides Nosegay, which has been up for awhile) haven't peeked out yet. I did dig down to one of the herbaceous, and I did find one eye that is just starting (!!) to kind of ripen on the crown. Sooooo slow! I don't think I planted them too deep, I followed the instructions that came with them. But I'll have to wait and see whether all of them come up. Hope so! |
The ITOHs usually take a bit longer to get growing but I would think even they should be up. ??? I have bought many peonies from both of these reputable growers and only had one so far that didn't come and Lindsay replaced it. I've also had peonies come the following year or even a couple of years after I thought they were gone. :) Have you ever ordered peonies from Parkland in Bruderheim, Katie? Another really quality grower. :) Ginny |
- Posted by TanlineTracey (My Page) on Fri, Jun 6, 14 at 23:05
I have one that finally emerged today. I was kinda sad thinking it was a goner. Very late year |
- Posted by nutsaboutflowers 2b/3a (My Page) on Sat, Jun 7, 14 at 10:24
I don't want to hijack this thread, but since you're talking peonies.... They sell them in the spring, but everyone seems to plant them in the fall. If I buy one now will it stand a chance? |
Sure you can buy one now. They are sold bare root in the fall and potted in the spring. Just be careful not to plant it too deep. IME, I prefer to plant bare root in the fall and miss a few blooms. :) Ginny |
NAF - yes, I've bought cheap (I'm assuming tissue culture) itoh's from greenhouses in spring before, and they did just fine. Ginny - yes! I was really impressed with his plants. All of them came up the next spring and were good sized. I got peonies from Lindsey this past year because she had a few varieties that he didn't have that I wanted. I was surprised to find my new itoh's faster than the new herbaceous, this year. I so hope none of them rotted. |
Sigh..I just got impatient and went and dug down a bit to see what is going on with those new peonies. All the ones that haven't come up seem to be half-rotten. I see a few of them grew leaf buds and looked to be trying to come up, but the leaves are all slimy and rotten. What went wrong? They were planted the exact same as all the other ones. In the same area, I had 4/6 itoh's come up alright, but out of the herbaceous, the only 1 out of the 5 I planted that survived was Noemie Demay. Grr...that is so much money down the drain. I don't know whether to bother replanting or not, since I don't know what went wrong! Maybe it is a bad spot for them? It is quite exposed and is one of the first spots in the yard to lose its snow. Aren't itoh's more sensitive to cold though? You'd think if any of them were to die, it would have been them instead of the herbaceous! |
Just wanted to update: I emailed Lindsay about it, and she thinks I should dig up my remaining peonies in the fall and hill up the soil so the drainage is better, and replant. This was probably a terrible first spring for them, being so soggy and cool. She was VERY kind, she offered to replace them, although she didn't have all the plants I had bought last year, so she gave me alternatives instead. I sure wish she had "Bev", that was the one I wanted most out of all that I ordered! Alas, I'll have to wait and reorder it another year. At least she was nice enough to replace at all, the Osiris garden I got the itoh's from wouldn't. (not that I blame them, really..it is expensive to replace plants when it could be improper growing conditions). |
That's good to hear, Katie. :) I believe that where there is a will, there is a way. When there is no will, there is still another way. :) Relax, don't try so hard, and let the powers that be do their job. They know it better than we do. :) Uh oh, I feel a poem coming on.......(((( hugs)))) Ginny |
Please Note: Only registered members are able to post messages to this forum. If you are a member, please log in. If you aren't yet a member, join now!
Return to the Far North Gardening Forum
Information about Posting
- You must be logged in to post a message. Once you are logged in, a posting window will appear at the bottom of the messages. If you are not a member, please register for an account.
- Please review our Rules of Play before posting.
- Posting is a two-step process. Once you have composed your message, you will be taken to the preview page. You will then have a chance to review your post, make changes and upload photos.
- After posting your message, you may need to refresh the forum page in order to see it.
- Before posting copyrighted material, please read about Copyright and Fair Use.
- We have a strict no-advertising policy!
- If you would like to practice posting or uploading photos, please visit our Test forum.
- If you need assistance, please Contact Us and we will be happy to help.
Learn more about in-text links on this page here


text:
for the Month: July 2011
Sales Assistant Matthew Dinda gives us an inside peek at the great work he and other ABRAMS staffers do for the Children's Book Council and the Council's Early Career Committee. Jason Wells, executive director of children's marketing and publicity, and Susan Van Metre, publisher for Abrams Books for Young Readers, Amulet Books and Abrams Appleseed, are also involved.
As we near the pinnacle (nay, end) of NYC's Smurfweek festivities (which celebrate tomorrow's opening of The Smurfs), I turned to our resident Smurfologist Matt Murray, the author of the just-released The World of Smurfs. The World of Smurfs is an exhaustive compendium of all things smurfy. Much of the content has never before been published in English. There are fascinating sidebars on the Nazi occupation of Belgium, the origin of the word "schtroumpf"/smurf, and the voice behind Jokey, to name a few. Murray takes fans through the creation of the Smurfs, from the early days of their creator, Peyo, as a struggling cartoon artist, to the global phenomenon they became, and finally to the recent Smurf resurgence. For this piece, I polled my Abrams colleagues to find out what they'd always wondered about the Smurfs. Below are Murray's answers; memorize these and you might be able to pass yourself off as a Smurfologist!
Last week, Cecily Kaiser, publishing director for Abrams Appleseed, our newest imprint and the publisher of books for kids 0-5, set out to foil an unsuspecting coworker's office along with Abrams Editorial Director Deb Aaronson. Here are the results.
The Columbia Publishing Course is an industry institution, in which college graduates from far and wide come to New York City in hopes of pursuing their dreams of working in book publishing. Hot on the heels of a fascinating New York Times article last week, Jason Wells, the executive director of marketing & publicity for Abrams Books for Young Readers & Amulet Books, and Wesley Royce, assistant editor, reflect on their experiences with the CPC and the value of the six-week program in a constantly evolving publishing world.
Despite the hot summer weather, this time of the year is my favorite time to be in the kitchen. The abundance of fresh, flavorful, and local vegetables, herbs and fruit is so refreshing and makes cooking so much more fun! it's the perfect time of year to try new things (like the green Purslane, which I recently discovered at the Farmer's Market. It's very high in Omega 3!) and to whip up a new recipe. This past weekend, I went to one of my most favorite cookbooks, Deborah Krasner's Good Meat: The Complete Guide to Sourcing and Cooking Sustainable Meat, recently published by our Stewart Tabori & Chang imprint, and found the perfect summer dish.
1. Having watched hours of the show while working on the book, I now feel I have learned the life skills required to deal with ill-fitting bras, postpartum psychosis, husbands who decide they are women, fistula (look it up, I had to), and Internet predators. And that's just scratching the surface…
Jones Beach is pretty high up on the list of my favorite books that I've edited. It's a beautiful black and white collection of photos taken during summers at the famed New York beach from the 1970s into the early years of this century. (That said, it's not always easy to tell when each image was snapped; there seems to be a bit of a time warp on that particular stretch of sand.) The photographer, Joseph Szabo is most famous for his pictures of teenagers taken in the 1970s, but the same deft ability to capture the joy, intimacy, or humor in any given situation is clearly apparent in this particular series as well.
Since I work in the area of Digital and Web Development at ABRAMS, I'm a huge proponent of using less paper whenever possible. I bought my first iPad the very first day it came out (now I have an iPad 2), and ever since then I've been in love with the idea of using digital documents on a tablet instead of printouts. It not only saves paper, which is great for the environment, it saves space on my desk! A minimalist at heart, a clean desk keeps me focused and happy.
Summer is my favorite season. No doubt about it. I went to sleep-away camp for a million years and it's still my favorite place on earth. I'd go back to camp now but it would probably be a little creepy for the other girls.
For me summer means sunshine, flip-flops, hot dogs on the grill, swimming pools and the beach. But it also means reading. I know kids usually grumble about summer reading but that's because they don't realize the beauty of it! One of my favorite things to do is go to bookstores in late May or early June and peruse their summer reading displays. They're full of beach reads—stories about beach houses and summer loves and all that good stuff. I can't get enough of it!
Last fall, I had the pleasure of working on the publicity campaign for Chess Masterpieces, a book chronicling the visual history of chess sets over the course of the last 1000 years. It was an interesting project and taught me a lot about a game and sport of which I knew very little. This was last October and I hadn't been thinking too much about the book in the time since. That is until Lisa Suhay, the director of the Hip Hop Chess Federation, which promotes chess among disadvantaged youth in Virginia, contacted us about George Dean's epic tome. She wanted to have Dr. Dean, a renowned chess enthusiast and chess set collector based in Michigan, to sign a copy of the book to give as a prize to the most improved chess student at their free summer camp chess program in Virginia…


text:
The Test Sections of the ACT
Part of the ACT For Dummies Cheat Sheet
The ACT comprises several different test sections, and each section has its own time limit. The following table shows you how many questions each ACT section has and how much time you have to answer them.
Test | Number of Questions | Time Allotted |
English | 75 | 45 minutes |
Mathematics | 60 | 60 minutes |
Reading | 40 | 35 minutes |
Science | 40 | 35 minutes |
Writing (optional) | 1 | 30 minutes |
If you add up the numbers, you find that you have 216 questions to answer in 205 minutes You get one 10-minute break between the second and third tests (the Mathematics and Reading Tests). If you opt not to take the optional Writing Test, then you get to walk out right after the Science Test.


text:
Blog | Comments |
WoW | 48 Comments |
Recent Comments:
Breakfast Topic: Did the Patch 3.2 news bring you back to the Tournament? {WoW}
Jun 24th 2009 10:36AM
It's worse than that, because when people start filtering back to take down Arthas, they're going to suddenly realize that they didn't stick around for the requisite T126.96.36.199.1 gear that was added to the Sugarplum Fairy Raid Of Death event that was added in patch 3.22.0-Whisky-Tango-Foxtrot...you know, the content patch that will add Murloc flying mounts, a brand new epic engineering pattern for soda fountain vending machines and 15 new useless hunter pets to tame.
Breakfast Topic: Did the Patch 3.2 news bring you back to the Tournament? {WoW}
Jun 24th 2009 10:26AM I agree with Kel's sentiment...leveling seemed far more fun and challenging versus an endless stream of dailies and the occasional raid. I'm starting to think that it may be worth abandoning WoW for a few months and see what happens...
All the World's a Stage: So you want to be an Engineer {WoW}
Jun 22nd 2009 7:36AM Pots will stack to 20, that's true, but Eng's will get a boost for using injectors.
Win one of five TCG codes today on WoW Insider {WoW}
May 19th 2009 8:38AM Aw, man...I never get nothing.
Arthas: Rise of the Lich King giveaway {WoW}
Apr 14th 2009 7:37AM Hail to the king, baby...
The state of Engineering in 3.1 {WoW}
Mar 31st 2009 11:27AM Ninjasuperspy...I love you, man...
Breakfast Topic: Manners {WoW}
Mar 18th 2009 11:52AM At the risk of sounding like a politically correct whack job, perhaps there's value in investigating why some of these players feel like they need to ninja in the first place. I think some of this can be directly traced back to the POS loot system Blizz has in this game. Name me the number of times you've slogged through an instance or raid only to have the uber boss drop a host of gear no one in the group can use due to the classes you brought. If I had a copper for every time I've heard, "Dammit! Healy plate, AGAIN????" I'd be driving around Dal with a fleet of choppers right now. So the question remains, are ninjas a byproduct of a crummy loot system, or are they just a bunch of spoiled idiots who were raised to think that they're "special" and deserve whatever their heart's desire, to hell with everyone else. I'd venture a guess and say it's a good dose of both.
Quests added to mob tooltips on the PTR {WoW}
Mar 3rd 2009 5:29PM For those keeping score at home, here's a great tip:
Business model > your epeen
For everyone else, there's chess...and Candyland...I hear Queen Frostine has one mean freakin' DOT.
Blood Elf vs. Draenei diorama giveaway {WoW}
Feb 17th 2009 9:04AM Nice! And thanks to WoWInsider for such a generous gift. Well done guys!
Local news on WoW lingo {WoW}
Feb 3rd 2009 9:29AM Nice epic mount, dude...and the Ashes of Al'ar isn't bad either. Thanks...I'm here all week...try the pwnz0r burgers and don't forget to tip your serving wenches.


text:
Use this form to get a username and password!
Today Ryley joined us for her First Time Audition and we were really glad because Ryley is smoking hot! This girl is awesome. Nice ass, great tits, and loves to suck cock. This girl has a bright future. Jmac was super excited. So to set things off we had her play with herself a little bit on the pool table then we had Jmac come in and lay the pipe. All the action took place on the pool table with some nice positions. One for your records! Enjoy!


text: Carly Rae Jepsen's Reign Continues with New Single, "This Kiss" Bradley Stern September 10, 2012 Carly Rae Jepsen, LMFAO, Matthew Koma 6 Comments 376 After effectively swallowing the entire world in a swirling, hellish firestorm of Tumblr memes, endless shirtless bro parodies, and complete and utter radio, Billboard chart and award show domination thanks to the catchiest song of, well, ever ("Call Me Maybe"), Canadian chanteuse Carly Rae Jepsen has finally released the follow-up (that isn't her collaboration with Owl City, "Good Time") to her colossal summer smash: "This Kiss." Co-produced by Matthew Koma and RedFoo of LMFAO (the one whose head Madonna straddled during the Superbowl performance), the gleeful pop number bounces along on top of a slap-happy, '80's-esque synthesizer pulse with Katy Perry-esque hooks and all the sugary-sweet conviction of a J-Pop smash, similar to Mya's "Fabulous Life." "This kiss is something I can't resist," the 26-year-old Canadian chanteuse croons. The blissfully uptempo throwback, one of sixteen tracks from Jepsen's forthcoming album Kiss out next week (which, according to a statement from the singer, was "inspired by Robyn, the Cars, Madonna, and believe it or not, James Taylor"), keeps Jepsen's happy-go-lucky spree of lovey-doveyness coming for another round. It's a solid track, although it surely won't make as much of an impact as "Call Me Maybe" (the song lacks a supremely dorky hook, after all.) Still, "This Kiss" is enough of a cut to ensure that the Mizz Jepsen's far from becoming a one-hit wonder. So reinforce the windows and start heading down into the basement now–another Carly Rae Jepstorm approaches. (Also, Faith Hill has to be, like…so totally pissed.) "This Kiss" was released on September 10. (iTunes) Share this Muusing:TwitterTumblrFacebookGooglePinterestEmailPrintMoreStumbleUponRedditLinkedIn Lance Just when you thought no one could get more frivolous than Katy Perry…. I'll take the Faith Hill version any day. Kyle It's unnerving how much this song reminds me of HummingBird Heartbeat. It seems like a carbon copy Steve Z. I like it. I think this is one of the most authentic 80s nostalgia tracks from a mainstream artist. Carly knows how to work a guilty pleasure. Her voice is charismatic and girlish (as opposed to just girly) without being too saccharine. But it's risky releasing this in the fall. They really needed to work out giving her a summer album and a series of summer singles. Maybe the album took a while to finish? But I'll take Carly over the other poptarts; she pulls of bubble gum without trying so hard or being cocky, like she overestimates how good she is (Hear that One Direction? of course not. You're too busy being successful). http://twitter.com/charliekelso C. K. makes me feel like I'm living a teenage dream. No I understand joking comparisons between this and Faith Hill's song under the same title, but to call the other "Faith's version" is just dumb. They're not related at all. Do you think Faith was upset when a million other songs were titled "Breathe"? Ugh. Just SAY you don't like it! Besides, Faith didn't write "This Kiss" anyway. http://twitter.com/JoshuaPingley Joshua Pingley I love the disco feel of the track. I have a feeling "Kiss" is going to be one of the standout albums of the year.


text:
Home Congregations About Us Bookstore Press Room Giving
Page Navigation
In "Building Bridges," a Tapestry of Faith program
Gather the group around the chalice. If needed, relight the chalice.
Distribute Taking It Home. Invite participants to sit in a circle and join hands and say together:
All our bridges meet in the middle, in a Unitarian Universalist circle of faith. We are connected with all that lives. We continue with all who seek. We belong with all who love. Go in peace until we meet again.
Extinguish the chalice together.
For more information contact web @ uua.org.
This work is made possible by the generosity of individual donors and congregations. Please consider making a donation today.
Last updated on Wednesday, October 26, 2011.
Sidebar Content, Page Navigation
More Ways to Search
Donate to Support This Program and the Ongoing Work of the UUA
Read or subscribe to UUA.org Updates for the latest additions to our site.
Learn more about the Beliefs & Principles of Unitarian Universalism, or read our online magazine, UU World, for features on today's Unitarian Universalists. Visit an online UU church, or find a congregation near you.


text:
Thursday, January 3, 2013
West Ham midfielder Mark Noble admitted he was surprised to see a penalty awarded against Ryan Bennett at Upton Park.
Referee Mark Clattenburg controversially pointed to the spot in the second minute after Bennett and Winston Reid came together in the penalty area.
Noble slammed home from 12 yards but the West Ham skipper didn't expect to have the chance to give his side such a dream start.
"You don't normally get those sorts of decisions," he said. "It was 100pc a foul and we managed to put it away and I think we fully deserved the three points. It was a massive win for us today and we needed it."
Joey O'Brien piled the misery on the Canaries before the break and Noble felt his side coped superbly without the likes of skipper Kevin Nolan, Mohamed Diame and James Collins.
"We had some big players missing today but we managed to deal with it," said Noble, whose side withstood a late Norwich charge which saw Russell Martin pull a goal back. "We went in 2-0 up and it should have been more really. We managed to hold out – we had two players that haven't played for three or four months. It was a real credit to Ricardo Vaz Te, Jack Collison and Guy Demel and we managed to see the game out."
Until Tuesday, West Ham had failed to hit the heights of their display in the 3-1 win against Chelsea last month and Noble was delighted to put more distance between the Hammers and the bottom three.
"We want to keep the gap because the teams below us are going to win games as well and we've got to keep going," he said. "We've had some tough games in the last month.
"We picked up some injuries but we've managed to come through it. We are still mid-table and we really want to push on into the new year now."
6 comments
It's always a surprise to get a decision which goes unpunished 400 times a game. Good old Clattenberg strikes again. Can't wait to beat WHam next year.
Thursday, January 3, 2013
So the players were surprised but big Sam 50 yards away wasnt. Maybe he was looking skywards for the ball.
Thursday, January 3, 2013
I see his sending off of the Stoke player was not punished. Even the FA think he,s ****
Thursday, January 3, 2013
Battenberg watch. Let`s see how often he "bottles" giving penalties for incidents similar to the Ryan Bennett one. Specially against the "Big" teams. Something is seriously amiss in the World of refereeing. This current breed seem to think they are on some sort of "Celebrity" show and delight in showboating for the benefit of the TV cameras. Battenberg is the worst by far. Like cricket Umpires, Refs should go about their business in a calm, quiet and dignified manner. So the game can be played and enjoyed by players- and maybe even by the paying spectators? Clusterbuck would tick no boxes in an umpire assessment. He`d be laughed out of the Exam room.
Thursday, January 3, 2013
The arrogant, supercilious buffoon probably wouldn`t recognise the feeling of shame.
Thursday, January 3, 2013
As I said in a previous post, if all his "controversial, PLEASE look at me!" decisions were met with contemptuous smiles, raised eyebrows and gales of derisive laughter,especially on live TV he might make fewer "mistakes".
Thursday, January 3, 2013
The views expressed in the above comments do not necessarily reflect the views of this site


text:
Most Popular Articles
Products & Newsletters
NATE Puts Focus on Tower Safety
Orlando - Feb 8, 2008 - The National Association of Tower Erectors (NATE) launches its 2008 annual convention and exhibition on Feb. 11 and will use the event to launch a new campaign to change the tower industry. The initiative magnifies the organization's "safety above all else" message and asks everyone in the tower industry, from CEOs of broadcast and cellular companies to members of NATE that are climbing towers in the field, to commit to safety.
Safety has always been the focal point of NATE's mission, and the group hopes this program will work to re-emphasize the safety message at all levels of the industry, from top to bottom.
At NATE 2008, attending NATE members will be asked to re-pledge their commitment to safety by signing their name to an 8' commitment wall, which confirms they are dedicated to making the tower industry as safe as possible. NATE board members will also use NATE 2008 as the arena to outline the association's future goals and plans.
Acceptable Use Policy blog comments powered by Disqus
[an error occurred while processing this directive]
Today in Radio History
Milestones From Radio's Past
The history of radio broadcasting extends beyond the work of a few famous inventors.
EAS Information More on EAS
NWS XML/Atom Feed for CAP Messages
The feed provides feeds for all US states and territories.
Wallpaper Calendar
Radio 2014 Calendar Wallpaper
Need a calendar for your computer desktop? Use one of ours.
The Wire
A virtual press conference
Information from manufacturers and associations about industry news, products, technology and business announcements.


text:
MID-YEAR UPDATE: HSH.com's 2014 Outlook: Nine factors for '14
Each year, HSH.com details the important factors most likely to influence the mortgage and real estate markets in the coming year. While it seems we have made our way out of the turbulent times that have bounced the market around for the last few years, there is still plenty of uncertainty ahead. Here are nine factors which will affect the markets in 2014:
1. Mortgage rates: Expect 5 percent for fixed-rate mortgages
MID-YEAR UPDATE: So far, mortgage rates have been on a gentle downward slide for the first half of the year, pressed there largely by external forces, but also by a negative U.S. growth rate to start the year. If we are going to see 5 percent handles for fixed-rate mortgages in 2014, we'll need to see some significant change in the stance of the market in the last half of the year. This would need to show in the form of accelerating economic growth coupled with rising inflation and a growing likelihood of a sooner-than-expected hike in short-term rates by the Fed. There is still time for this outlook to come to pass, but it is becoming increasingly unlikely… and that's a good thing for homebuyers.
If everything goes as planned (always a long shot; see the 2013 Outlook), there will be good news and bad news for mortgage shoppers in 2014.
JANUARY 2014: The good news is that mortgage rates will remain historically favorable; as we've noted at times, if you leave out the Fed-induced record lows of the past year or so, the previous record low, set in more "normal" market conditions, was a bottom of 5.24 percent set in June 2003. The bad news is that fixed mortgage rates are more likely to tend toward the higher rather than lower end of the scale in 2014.
Several factors will conspire to firm fixed rate mortgages somewhat in 2014:
Obviously, the first is the Federal Reserve slipping out of the direct-mortgage-support-market business, which should firm mortgage rates somewhat. As the Fed does this, the more typical market-moving forces of economic growth and inflation will become the drivers of rates, and there are some reasons to believe that economic growth will be reliably stronger in 2014 than it was in 2013, which would add to the firmness in mortgage rates. Inflation is not a concern at present but is never far from the minds of investors, and a growing economy may see some thoughts turned that way.
Adjustable-rate mortgages (ARMs) are a different story, though. Even with Quantitative Easing tapering and completion likely at some point in 2014, the Fed will take pains to continue to remind the markets that short-term interest rates will remain exceptionally low for the foreseeable future. These are the rates which govern and influence ARM pricing, and while these rates will of course move up and downward through the year, the already considerable gap between fixed and ARM rates may widen, making these mortgage products even more attractive for certain borrowers.
Mortgage-rate forecasting is a tricky business, even over the short term, let alone a whole year. That said, we're always willing to give it a shot, even if the range for rates is necessarily wide:
- Conforming 30-year fixed-rate mortgages (and jumbos, too, if the below item comes to pass): It's reasonable to expect 4.375 percent to 5.625 percent borders in place for 2014
- 5/1 Hybrid ARMs: Call it a 2.875 percent to 3.875 percent range
As a side note, and since the Guarantee Fees that Fannie and Freddie charge to lenders to protect them from loss will be rising again in 2014, it is likely that we may begin to see fixed-rate jumbos priced below their conforming counterparts on a more regular basis at times during 2014. While this "inversion" existed at times in 2013, it was not a market-wide phenomenon, but rather limited to certain lenders. More expensive conforming loans and spirited competition for jumbo buyers may promote this inversion on a more widespread basis.
2. Real estate: Markets and prices stabilizing
MID-YEAR UPDATE: The original summary of the real estate market seems to be on track at midyear. Sales of existing homes in December 2013 were running at a 4.87 million annual rate; this dipped to about a 4.59 million rate but has again been moving upward, landing at a present (May) 4.89 million annualized level. Meanwhile, the National Association of Realtors noted that inventory levels have moved up from a thin 4.6 months in December to a closer-to-normal 5.6 months in May, and price gains – running at a 9.1 percent year-over-year clip in December – have cooled to just a 5.1 percent rate of gain in both April and May. Sales of new homes have been more erratic, but have also moved upward in recent months and the latest report puts them at better than six-year highs. Prices here have been back and forth, and inventories have been closer to normal, too, excepting the unexpected drawdown of stockpiles in May. The housing market continues to grind toward recovery.
JANUARY 2014: One of the hallmarks of 2013 was the return of a competitive real estate market. Demand was driven by low mortgage rates and low home prices, a firmer job market and perhaps a sense of opportunism by investors. However, that demand was not really met by supply, driving up home prices; at the same time, mortgage rates rose, driving up costs.
Outsized gains in home prices in 2013 were no doubt sparked by record or near-record low mortgage rates. Those have left the market, probably never to return. In their place are roughly multi-year highs for rates, making it less likely that the run of double-digit increases in home values can continue in 2014. Although there's no reason to expect mortgage rates to perpetually march higher in 2014, it is reasonable to expect that they will be somewhat higher than 2013, especially if the economy continues to find traction.
At other times when home prices have risen so quickly as to outstrip incomes, and often at times when mortgage rates have risen, we have seen the emergence of so-called "affordability" products designed to give borrowers greater leverage so that they can afford these pricier homes. Such products have allowed for low or no down payment, interest-only payments, high debt-to-income ratios and other constructs. These allowed potential buyers to further leverage their incomes or their assets; in turn, this helped allow prices to continue to rise as it helps to put more potential borrowers in the market, or allowed those in the market to stretch their budgets further.
With the new QM regulation in place for 2014, a re-emergence of these products is unlikely to happen. QM doesn't specifically ban things such as interest-only payments, but these products won't qualify for protection against borrower lawsuits, so it's less likely that lenders will be lining up to make these kinds of loans available. Should fixed-rate mortgages continue to firm in 2014, perhaps the only "alternative" mortgage product available to allow some budget-stretching will come in the form of ARMs; those will have lower rates, allowing for more leverage by borrowers, but will still be subject to the same stiff underwriting standards as are fixed rates.
In the absence of new "affordability" products, and in light of rising fixed rates (and a general distaste for ARMs, no matter how valuable they can be), it is not likely that home prices can continue to rise at the pace of 2013. Both home price and interest rates can only rise together for so long until affordability is impacted, and without the additional leverage afforded by alternative products, each leg up means fewer potential buyers can participate.
Two other factors which are affecting home prices are in play, too:
- Tight supplies of both existing and new homes have engendered higher prices; however, those higher prices may begin to lure some sellers back into the market as they will have recovered a portion (perhaps most or even all) of the equity lost in the downturn.
- As such, inventories of available homes may rise, helping to temper price increases, and that's without necessarily considering properties coming on the market from lender's books.
Overall, we expect the recovery in housing markets to persist in 2014, but in a context of flattening gains for home prices, higher inventory levels and firm mortgage rates and underwriting standards.
3. Fed taper: Stimulus is going, going... gone
MID-YEAR UPDATE: The Fed's QE program – which was purchasing Treasuries and MBS at a full $85 billion per month when we first wrote this outlook at the start of 2014 – has been pared down to just $35 billion, and continues to be trimmed by $10 billion at each Fed meeting. At the present pace, the program will be concluded at the October 28-29 meeting. With a huge decline in loan originations in 2013 through 2014, there have been fewer MBS for the Fed to buy (as noted above), so even with reduced buying the Fed's influence is still being felt in the market. Meanwhile, private investors have discovered some appetite for these high-quality offers (and always have one for Treasuries) so mortgage and other interest rates have been little affected by the Fed's diminishing influence.
JANUARY 2014: As we write this the Fed has begun the process of tapering purchases of Treasuries and MBS. Now started, it is a certainty that they will continue the process in 2014 and may completely halt QE purchases altogether by mid-year. Of course, the economy will need to perform well (which is never a certainty) but an economy growing even modestly does not require the kind of emergency-level (and extraordinary) support the Fed has provided.
The QE program has currently been reduced to a $75 billion per month run rate, with reductions in purchases of both Treasuries (-$5 billion) and MBS (-$5 billion). If the economy cooperates, other steps could accompany the first four Fed meetings in 2014 (Jan. 28-29; March 18-19, April 29-30, June 17-18) in reductions of equal size. However, the process could be a little more protracted than that, perhaps running through September (two additional meetings).
One reason for the Fed to step out of MBS purchases is plain to see: The number of mortgage originations -- and hence, the number of purchasable MBS -- has been dwindling, what with the slump in refinancing which began in mid-2013. At one point, the Fed was "only" buying perhaps 1/3 of new GSE MBS production (or less), but as recently as November, the Fed's purchases of MBS represented more than half of the market. The Fed wants to reduce its influence; however, their fixed-dollar commitment to buy these assets (rather than simply some flexible percentage of the market) means that as loan volume slips the Fed's share grows. Although the Fed may leave this space, there should be an appetite for these high-quality securities, just as there was when volumes were higher, so the impact on rates should be limited.
It's also clear that the Fed's buys are having less influence, too. After running up by 120 basis point from 2013 lows in May, fixed mortgage rates have struggled to decline much in spite of the Fed's influence, and remain about a full percentage point above bottom.
4. Fannie, Freddie reform: Nope. Well, maybe. Or sort of.
MID-YEAR UPDATE: Although a reform bill pushed by Senators Tim Johnson and Mike Crapo got some serious consideration earlier this year, the realities of reforming the GSEs in an election year has at the very least been put on the back burner for the remainder of 2014. So far, the Johnson/Crapo bill has made it further along in consideration than any other idea, but with Fannie and Freddie technically solvent and kicking billions into government coffers, it may be that we never get to a place of reform.
Mel Watt, the new head of the FHFA, has made it pretty clear that he is interested in operating Fannie and Freddie to the concept of the conservatorship, namely running them for as long as they exists and leaving any reform up to Congress. His first action upon taking office was to delay indefinitely the slated increases in both Guarantee Fees and Loan Level Pricing Adjustments (LLPAs), so mortgage costs have not increased to borrowers, at least for the moment. There is some whispering that these LLPAs may actually be reduced or modified at some point this year.
JANUARY 2014: Through record profits and a mandatory commitment to send all of them to the Treasury, Fannie Mae and Freddie Mac have "repaid" all of the $187.5 billion dollars they "borrowed" to be kept afloat as the housing and financial crisis unfolded.
However, as the firms are not technically allowed to pay off the debts, they cannot free themselves from the shackles of conservatorship and return to the markets unfettered and free. Instead, they remain wards of the state, at least until Congress makes a decision as to how exactly to reform or eliminate them. Given the dysfunction in Congress, this seems unlikely in 2014, but that doesn't mean that there won't be any changes, such as a new director to the Federal Housing Finance Agency, the overseer of Fannie and Freddie.
FHFA head Ed DeMarco has done an excellent job in promoting the solvency of Fannie and Freddie, and even has made good progress in creating a common securitization platform, a key step toward either consolidating the GSEs into a single entity (or perhaps a precursor of a new entity yet to be designed). Will that happen in 2014? Probably not.
The explanation is a bit roundabout, but record profits at Fannie and Freddie have come from stronger values for loans with tight underwriting standards and declining losses on legacy holdings. With the $187 billion bailout "repaid," the GSEs are now kicking in billions of dollars to the Treasury each quarter. These are dollars that the Congress would like to have to spend, and full-blown reform might disturb this free flow of spendable cash. Given the FHA's shaky fiscal situation, perhaps those funds should be earmarked to support the flagging FHA insurance pool, instead.
In 2014 we will see a new head of the FHFA, perhaps one less committed to full-blown reform of the GSEs and the concept of protecting the taxpayer from loss. It could very well be that Mr. Watt may convince Congress to allow the enterprises to commit some (or all) of these funds toward affordable housing goals, toward principal reductions for still-underwater borrowers, expanded HARP refinance offers or other such measures. None would likely be possible if reform of the enterprises was imminent.
From where we stand, we prefer to see any profits used to lower the considerable "risk premiums" now added into each and every mortgage price. These come in the form of "adverse market delivery fees" (only remaining in four markets after April 1), "loan level price adjustments" (LLPA) and "guarantee fees," all of which are passed onto the consumer.
LLPAs are slated to increase, and fairly sharply, for many borrowers in April 2014. Reductions in these add-ons would help to make loans somewhat more affordable for all comers, not just some.
5.Regulations: Revenge of Dodd-Frank
MID-YEAR UPDATE: We're about six months into the era of the new rules and documentation, and so far, it's been pretty smooth sailing. Worries that the implementation of the new regulations and documentation would constrict credit or slow down the process of getting loans through have not come to pass, and the market seems to be managing these items comfortably. That said, it would appear that we won't see a minimum down payment requirement as part of the QM definition, but regulators still haven't agreed on this. If they do, there will probably be trigger provisions to review or adapt the regulation at regular intervals if risks appear to be rising.
JANUARY 2014: ATR. QM. QRM. CFPB. FHFA. GFE? TIL? HUD-1? IYIYI! Consumers who haven't been paying attention to all things mortgage over the last couple of years (and most don't until they are close to starting a transaction) will find some new acronyms to learn in 2014 and some changes to the game.
The new "Ability to Repay" (ATR) rule, which puts the onus upon lenders to make sure you can cover your monthly mortgage payments by considering all of your incomes and outgoes, kicks in Jan. 14, 2014. Expect somewhat more scrutiny to occur under the microscope of mortgage lending, as lenders will likely be quite exacting under the new rules (not that they aren't already).
This is all falling under new definitions of what constitutes a Qualified Mortgage (QM) or a Qualified Residential Mortgage (QRM). Aside from meeting ATR rules, QM and QRM have other characteristics that lenders must adhere to (including a 43 percent Debt to Income [DTI] cap). Under QM/QRM, if a loan meets all of the provisions, lenders will have some shelter against future lawsuits from borrowers. If not, or if it can be proven that the lender failed to properly assess/enforce the ATR rule, it becomes easier for consumer to sue them (and for investors to push failed loans back to them), something no lender wants to happen.
Non-QM/QRM loans will also require securitizers to hold back a 5 percent position (risk retention), essentially in cash holdings. That will no doubt make industry participants wary, and arguably, non-compliant mortgages more costly and scarce.
As lenders become more accustomed to the new rules, the process may smooth out somewhat, but getting a mortgage will likely be an even less comfortable arrangement in at least the early part of 2014.
While the new acronyms above join the mortgage lexicon, two are arguably leaving, including the GFE (Good Faith Estimate of Closing Costs), which is being replaced by a new "Loan Estimate" form, while the old Truth-in-Lending (TIL) form disappears, too, having been incorporated into the new upfront document. On the other end of the mortgage process, a new "Closing Disclosure" form will supplant the venerable HUD-1 closing statement.
6. Growing the audience: Return of "near prime"?
MID-YEAR UPDATE: Several players have re-entered or expanded their operations in the subprime space in 2014. The New York Times even had a June 28 article in the business section entitled "In Home Loans, Subprime Fades as a Dirty Word." While not yet mainstream by any means, this is a natural progression of the market at work: Plenty of borrowers looking for money, lenders looking to find underserved, profitable markets, regulators warily eyeing these riskier loans and plenty of politicians hoping that private capital will return to the mortgage market, lessening the mortgage market's still-huge dependence on government backing to function.
The new subprime loans aren't easy to come by, require very deep equity stakes and carry interest rates of perhaps double or even triple what the "prime" marketed can obtain – but access to money at all is the primary consideration here, with the price of that access a secondary concern.
JANUARY 2014: We've come through a period of time where borrowers have needed fairly pristine credentials to get access to the mortgage market, or at least access to the best possible mortgage rates. However, that's a finite pool of potential borrowers, and a lot of them were homeowners. With refinancing falling back to more typical levels, there will be a lot of hungry mortgage lenders and investors scouring the market for business.
With an eye toward the QM/QRM rules (and the disturbance they will no doubt cause in at least the early part of 2014), we think there is a good chance that some lenders will venture out into some untapped territory to find new borrowers as the year progresses. We know that in 2013 a couple of "wildcatters" began to again offer subprime mortgages under certain (and still rigid) conditions, but there is an audience for mortgages that won't meet the QM/QRM definitions. These include folks with high-debt loads, those who need (or desire) interest-only payments, those with temporary black marks on their credit due to job losses, seasonal income streams and others. Provided that serving this audience doesn't become the start of a new "race to the bottom," it would represent another step in getting private money back into the mortgage market in 2014.
7. Lawsuits: Are we done yet?
MID-YEAR UPDATE: "Are we done yet?" Nope, and probably not even close. BofA may be hit with a new lawsuit over MBS which could carry up to a $12 billion price tag; smaller banks such as SunTrust just settled for close to $1 billion, the FHA is suing Wells Fargo, Ocwen (a larger servicer) was slapped with levies, Citibank may face a lawsuit over mortgage activity, and the list goes on and on. At some point all this will come to a close, but it may be years yet.
It bears noting that fines, fees, levies and settlements could total $100 billion or more, a truly astounding number. If paid directly to homeowners, this could have paid off 500,000 mortgages of $200,000; could have cured the average first mortgage underwater position of $52,000 (Corelogic; 1Q2014 data) for nearly two million mortgage holders – about one third of all currently underwater homeowners. These vast sums of money may be changing hands, but the likelihood of meaningful amounts making its way to actual homeowners remains slim.
JANUARY 2014: If we hope to see the "private" mortgage market grow in 2014 to expand opportunities for more borrowers, we'll need to see a diminishment in the number of lawsuits being filed by various "aggrieved groups."
In 2013, we saw tens of billions of dollars extracted from banks and other entities as compensation for actual or perceived wrongdoings during the boom years. Prior years included mass settlements for mortgage servicing wrongs and shoddy foreclosure practices, but the reality is that many (if not most) of those funds never reach the actual injured party -- homeowners and former homeowners. These lawsuits were supposed to provide compensation to folks who lost their homes or were otherwise treated badly by an ill-managed process, but many states used these windfalls not to help homeowners, but to plug holes in budgets or for other needs.
Every billion extracted from a bank needs to come from somewhere or someone. Those someones are shareholders and especially depositors and account holders who pay higher and more varied fees for services and such. The "fear of future loss" due to these things necessarily sees lenders keeping standards tight, since lenders need to make higher profits on the loans they do make to help offset the cost of payments. While it is certainly right and proper to compensate an injured party, the reality is that this really isn't what's happening, and all we may be doing at this point is driving up costs and limiting access to credit.
8. Loan modifications: First "step" to kick in for some
MID-YEAR UPDATE: You heard it here first… and almost nowhere else. The process of interest rate increases for some borrowers did get a little play, especially after the Special Investigator for the Troubled Asset Relief Program (SIGTARP) issued a report in January noting that about 90 percent of the 900,000 borrowers with HAMP modifications would see rate increase from 2014 to about 2021. For borrowers whose rates were moved down to the lowest allowable levels, their first increase from a 2 percent to a 3 percent rate will happen before the year is out, and lots of others will move from 3 percent to 4 percent, and 4 percent to 5 percent (most of these step-ups in rates will cap in the low-to-mid 5 percent range). The SIGTARP report notes that when the process completes, the median increase in monthly payment will be $200, but some extreme cases could see a payment jump by up to $1,724 per month.
The process is just underway, so expect to see more headlines on the topic as we go… and get ready for the concept of re-modifying modified mortgages at some point, especially if the economy founders.
JANUARY 2014: Looking back, 2009 was a long time ago in the mortgage world. In the midst of the crisis of loan failures came the Home Affordable Modification Program (HAMP), but it was beset by mass confusion on both the part of servicers and frantic homeowners looking for help.
Most important at the time was getting homeowners into "sustainable homeownership," promoted by making changes to loan terms, all with a goal of getting a borrower's mortgage debt-to-income ratio down to 31 percent of their monthly gross income. Lenders were encouraged to use methods such as interest rate breaks and lengthening loan terms out to 40 years to achieve this goal. (Interestingly, the new QM rules do not allow Fannie and Freddie to purchase loans with terms longer than 30 years.)
HAMP regulations called for a standard modification "waterfall," where the first rule of order to promote affordability called for a reduction in the interest rate to whatever would produce a 31 percent ratio. For some borrowers, this could have resulted in an interest rate as low as 2 percent. However, given the nature of these modifications, there could be an issue beginning in 2014 for some of the 587,000 homeowners who received a modification in 2009.
If the borrower's modified interest rate was lowered below a market "reference rate" (called the "Interest Rate Cap" in the standard waterfall guidelines issued in 2009), the modified loan would allow for a step up in interest rate of as much as a full percentage point beginning five years after the date of the modification.
This market reference rate is the average interest rate for 30-year fixed-rate mortgages as reported by Freddie Mac in its weekly Primary Mortgage Market Survey (PMMS), rounded to the nearest one-eighth of one percent, which was reported as of the date the modification agreement was prepared.
In 2009, the rounded to nearest one-eighth PMMS rate ranged from a low of 4.75 percent to a high of 5.625 percent.
Enter 2014.
It's a fair bet that at least some frantic borrowers in dire fiscal straits missed these clauses about future interest rate changes, and also the one that allows for a continuing 1 percent step upward in the rate each year after that until the loan reaches the "reference rate" in place at the time of their loan mod. As such, some homeowners are going to find an unpleasant surprise in their mailbox at some point in 2014 in the form of a notice that details a rise in mortgage costs. For some, it could be the "gift" that keeps on giving, too... a borrower with loan reduced to a 2 percent rate in 2009 could see a one percent rise in interest rate in 2014, 2015, 2016, 2017 and possibly 2018, too.
9. Wondering about refinancing activity? Don't bother.
MID-YEAR UPDATE: Refinance activity was in decline when we rote the 2014 Outlook in December, and it's safe to say that it's a non-factor in the market despite falling mortgage rates for much of the first half of the year. Refinance activity, as reported by the Mortgage Bankers Association of America, is presently running at levels last seen in late 2008 – when interest rates were in the low-to-mid 5 percent range. Since it's an election year, it's not out of the realm of possibility that we could see the HARP program opened up to try to include even more borrowers, but that might be the only way refinance activity gets a kick.
JANUARY 2014: Unless we get some form of HARP 3.0, refinance activity will remain very low. With mortgage rates already off rock bottom and many borrowers already having braved the mortgage refinancing gantlet, there is virtually no rate-and-term refinance audience left, excepting folks trading old higher-rate long-term mortgages for new shorter-term (and lower rate ones) if they can.
Tight underwriting standards that require deep equity positions mean another year of no-cash-out refinance activity to speak of, either. However, with the Fed committed to keeping short-term interest rate low throughout the year, we might see some additional fixed-rate-to-ARM refinancing, as this may be the only avenue to find interest rate relief.
A 25-year expert observer of the mortgage and consumer debt markets, Keith Gumbinger has been cited in thousands of articles covering a wide range of consumer finance and economic topics in outlets ranging from the Wall Street Journal to the Bottom Line newsletters. He has been a featured guest on national broadcasts for CNN, CNBC, ABC, CBS and NBC television networks and has been heard on NPR and other national and local radio programs. Keith is the primary researcher and writer for HSH.com's MarketTrends newsletter and has authored or co-authored a number of consumer guides on mortgages, home equity, refinancing and more.
Recommended Reading
Financial slackers missed mortgage opportunities in 2014
40 percent of survey respondents hadn't refinanced or prepaid a mortgage, saved more for retirement, paid off credit-card debt or tried to boost a credit score in 2014, and 30 percent had no intention of taking those actions in 2015. -
HSH.com's yearly outlook: 9 items for 2015
Each year, HSH.com details important factors we think are most likely to influence the mortgage and real estate markets in the coming year. Here are nine factors which will affect the markets in 2015. -
5 things homebuyers should be thankful for this Thanksgiving
Here are five things homebuyers should be thankful for this Thanksgiving. -
Can my lender ask me why I'm buying a specific home?
Lenders can ask you why you are buying a specific home because there are different lending rules for different types of properties. -
Don't be afraid to get a mortgage
If you are dealing with the right mortgage professional and it's a comfortable atmosphere, it's really not that difficult or scary to get a mortgage. -
One simple form, up to 5 competing quotes!
Compare rates & save more. Free Quotes, No Obligations & No hidden fees.


text:
by Anonymous from Florida
I need form cs-ef45 to stop driver license suspension.
Driver license being suspended due to arrears payment overdue.
Answer to Florida Child Support Question
Dear Anonymous,
You Are Here → Home › Child Support FAQs › Prevent License Suspension for Non-Payment of Child Support
Return to Ask the Staff - Florida Child Support Questions and Answers.


text:
Sleeps | 10 |
Bedrooms | 3 |
Bathrooms | 3 |
Property type | condo |
Minimum Stay | nights |
THE PERFECT SKI-IN/SKI-OUT CONDO! One of the newest condominiums in the Disciples Village at Boyne Mountain Resort. Located approximately 100 feet off the Boyneland Slope. Check out the picture from our deck!(see Picture #2)
Our professionally decorated condo features a living area with a vaulted ceiling, TV, fireplace and lots of windows to enjoy the scenic view of woodlands and ski slopes. The kitchen is fully stocked including a dishwasher, refrig, oven and coffee maker. The master suite is furnished with a king bed, TV and private bath with jetted hot tub. Additional first floor bedroom includes 2 queen beds with a bath off the foyer. Our 3rd bedroom on the second floor sets us apart from the other units in our complex...it is ENCLOSED to make a PRIVATE bedroom with 2 queen beds and a full bath.
Boyne Mountain, a four season resort, offers the best skiing and snowboarding in the lower peninsula. Other winter activities include cross country skiing, snow tubing, ice skating, snowmobiling and horse-drawn sleigh rides. In the spring, summer and fall, you can enjoy hiking and mountain biking trails, multiple golf courses, tennis courts or relaxing on our secluded deck. Deer Lake (just a 2 mile drive from the condo) is a great place for swimming, shuffleboard and putt-putt golf. There are complimentary kayaks, sunfish sailboats and paddleboats. Jet skis are available at an additional charge.
Our condo is only a five minute walk to all the hot spots Boyne Mountain has to offer. Avalance Bay, Michigan's largest indoor water park and the Solace Spa are located in the Mountain Grand Lodge. In the Clock Tower Lodge, a large outdoor swimming pool and giant hot tub are available for year round use.
Full dining is available on property at Everett's, Erickson's, Pierson's, the Beachhouse at Deer Lake and the A'Pres Pub Bar. Pizza and sandwiches are available in the Trophy Room or have it delivered directly to your condo. You can relax with cocktails in the Snowflake Lounge, Everett's Bar or A'Pres Pub Bar. Many other great restaurants in Boyne City, Petoskey and Charlevoix.
Our condo is conveniently located to make short day trips to all of the great attractions that Northern Michigan has to offer. Petoskey, Gaylord, Charleviox, Traverse City, Harbor Springs and Mackinac Island are waiting for you to explore.
Keywords: Condominium
Our family loves skiing, golf, tennis and water sports and Boyne Mountain offers it all. Having a place there gives us easy access to all these activities and more. Great place to relax with family and friends.
The Owner purchased this condo in 2003
After staying at other northern resorts, we chose Boyne Mountain because of its easy access and central location many up north attractions. It also offers the best skiing in the lower peninsula. Challenging for any level of skier. Summer offers 2 great golf courses, plenty of tennis courts, bike paths, pools and beach facilities, Solace Spa and Michigan's Largest Indoor Waterpark all on property!
Located Slopeside directly on Boyneland Run, this offers ideal Ski-In/Ski-Out access in the winter. During the summer our condo is set back and nicely secluded in the woods for more privacy. Unlike most all other condos, we have enclosed the loft making it a private bedroom. In doing so, it thereby offers privacy for people staying there and the ability for others to use the living area to visit or watch TV without disturbing others! It also about a 5 minute walk from our door to the Mountain Grand Lodge and Avalanche Bay.
Just wanted to let you know the condo was fabulous! In addition to a productive conference, we were all able to enjoy some downtime on the back porch, several mt. bike rides, and some good runs. Thursday's exceptional fall weather (crisp and sunny) made me long for my northern Michigan roots - I'm sure we'll be in touch, again, for ski season.


text:
Experience an old Milwaukee tradition in the Parks - Beer Gardens! In the mid-19th Century, Milwaukee's German immigrants brought biergartens and Gemütlichkeit to the parks.
Estabrook Park Beer Garden - Operated by ABC Estabrook, LLC. Overlooking the Milwaukee River Fall Hours: M-W: Closed, Thurs: 4-10pm, Fri, Sat & Sun: Noon-10pm.
EVENTS: - Estabrook Beer Garden Cyclocross Race: Nov. 1 - Beer Run Race: Nov. 2
New in 2014. . .TRAVELING BEER GARDEN - See the schedule flyer - See the Extended Schedule Flyer The mobile beer garden revives the old tradition with a 21st century twist to offer families throughout the County the opportunity to experience a nearby beer garden. Follow the Traveling Beer Garden to six different parks or parkways, each having a two-week season between early-June and late-August. SEASON EXTENDED TO SEPT. 7TH!! Let us know what you think! Take the Traveling Beer Garden Survey
June 4-15
Root River Parkway South, Picnic Area #1 (near 92nd & College -- Whitnall Park)
McKinley Park, Special Event Picnic Area (formerly the Coast Guard Station) MUSIC: Liam Ford, Wed., June 18 from 4-7 p.m., and Fridays/Saturdays June 20, 21 and 27, 28 from 5-8 p.m. FREE SAMPLES: June 28 & 29, 11 a.m.-8 p.m. Sea Cuisine's "Upgrade Your Taco Night" Taco Bar Tour will offer free fish taco samples while supplies last.
Doctors Park, near Picnic Area #3 LIVE MUSIC: Vern and the Originals, Wed., July 2 from 4-7 p.m., & Fri/Sat July 4/ 5, and 11/12 from 5-8 p.m.
Red Arrow Park, plaza LIVE MUSIC: John Miller, Wed., July 16 4-7 p.m., & Fri/Sat July 18/19 from 5-8 p.m. LIVE MUSIC: Vern and the Originals, Fri/Sat July 25/26 from 5-8 p.m. SPECIAL OFFER: $1 OFF tap beer and tap soda for all Active Military Members and Veterans with valid ID.
Greene Park, near the comfort station LIVE MUSIC: Vern and the Originals, Wed., July 30, from 4-7 p.m., & Fri/Sat Aug 1/2 from 5-8 p.m. LIVE MUSIC: Frogwater Aug 10 from 5-8 p.m. AUGUST 3: "Family Fun Day" - Kid's activities, appearance by Rooty, the Sprecher mascot, throughout the day, free Rooty hats and play firefighter helmets, while supplies last. Greene Park's wading pool hours will be extended until 8 p.m. (weather permitting) too!
Falk Park, near the pavilion LIVE MUSIC: Vern and the Originals, Wed., Aug 13 from 4-7 p.m., & Fri/Sat Aug 15/16, and 22/23 from 5-8 p.m. HOT DIGGITY DOG EVENTS (view flyer) - Agility Training: Wed., Aug 13/20 from 4-8 p.m., & Sat., Aug 16/23 from 11 am-5 p.m. - Doxie Races: Sun., Aug 17/24, 1 p.m. No entry fee, all dogs must be pre-registered for races. Fill out a Registration Form from Sprecher Brewery (pdf) - Costume Contest: Sun., Aug 17/24, 1 p.m.
Root River Parkway South, Picnic Area #1 (near 92nd & College -- Whitnall Park) LIVE MUSIC: Vern and the Originals, Tues., Aug 26 from 4-7 p.m., & Fri/Sat Aug 29/30, and Sept 5/6 from 5-8 p.m.
Glass Pints and Steins, and Plastic Boots are yours to keep—and refill at a discount. Use the glass at any of the Traveling Beer Garden stops or at the Estabrook Park or Hoyt Park facilities—Discounted refills are available only at the Traveling Beer Garden
Sprecher Beer on tap - Choose from about a dozen. Can't decide? Order a flight of 5 beer samples ($20 refundable deposit for glasses and flight board) Sprecher's Shakparo - A GLUTEN-FREE, West African-style beer brewed from sorghum and millet. Light and crisp with a cider or fruit profile and a dry vinous aftertaste. Perfect for summer gatherings! Sprecher's Hard Root Beer on tap Sprecher's Hard Ginger Ale on tap
Sprecher's Hard Root Beer Float
Sprecher's Milwaukee Mule NO CARRY-INS OF ALCOHOLIC BEVERAGES
Sprecher Sodas, INCLUDING SPRECHER'S ROOT BEER ON TAP! Additional Diet Sodas and Bottled Water Sprecher Root Beer Float YOU MAY BRING YOUR OWN NON-ALCOHOLIC BEVERAGES
Enjoy Sprecher's snacks YOU MAY PACK YOUR OWN PICNIC LUNCH OR SUPPER NO GRILLING ALLOWED
Milwaukee County Parks Golf Office 9480 Watertown Plank Road, Wauwatosa, WI 53226 Monday–Friday, 8am–4:30pm (414) 257-8024 Se habla español
This site is powered by the Northwoods Titan Content Management System


text:
Tuesday, Feb. 5
Prep Basketball
Warren County at North Johnston, 6
Tuesday, Feb. 5
Prep Basketball
Warren County at North Johnston, 6
Princeton at North Duplin, 6
East Wake at Clayton, 6:30
Cleveland at South Johnston, 6:30
Southeast Raleigh at Knightdale, 6:30
West Johnston at Garner, 6:30
Smithfield-Selma at Harnett Central, 6:30
Northwest Halifax at Corinth Holders, 6:30
Prep Wrestling
North Johnston and Wilson Hunt at C.B. Aycock, 6
Corinth Holders at Franklinton, 6
Cleveland at Triton, 7
Men's College Basketball
Thomasville Prep at Johnston CC, 7
Women's College Basketball
Guilford Tech at Wake Tech, 5
Wednesday, Feb. 6
Prep Wrestling
Knightdale at Clayton, 7
Garner at Harnett Central, 7
Smithfield-Selma at Southeast Raleigh, 7
West Johnston at East Wake, 7
Men's College Basketball
Wake Tech at Lenoir CC, 7
Thursday, Feb. 7
Prep Basketball
Trinity Christian at Cleveland, 6:30
Prep Swimming
NCHSAA 4A Championships at Triangle Aquatics Center (Cary), TBA
Friday, Feb. 8
Prep Basketball
Louisburg at North Johnston, 6
Princeton at Goldsboro, 6
Clayton at Smithfield-Selma, 6:30
Corinth Holders at Franklinton, 6:30
Harnett Central at West Johnston, 6:30
East Wake at Southeast Raleigh, 6:30
Garner at Knightdale, 6:30
South Johnston at Triton, 6:30
Prep Swimming
NCHSAA 3A State Championships at Triangle Aquatics Center (Cary), TBA
Saturday, Feb. 9
Prep Indoor Track and Field
NCHSAA 1A/2A/3A State Championships at JDL Fast Track (Winston-Salem), 9 a.m.
NCHSAA 4A State Championships at JDL Fast Track (Winston-Salem), 4
Prep Wrestling
Greater Neuse River 4A Conference Championships at Smithfield-Selma, 9 a.m.
Eastern Carolina 3A Conference Championships at C.B. Aycock, 9 a.m.
Northern Carolina 2A Conference Championships at Franklinton, 9 a.m.
Carolina 1A Conference Championships at Rosewood, 10 a.m.
Prep Swimming
NCHSAA 1A/2A State Championships at Triangle Aquatics Center (Cary), TBA
Men's College Basketball
Wake Tech at Catawba Valley CC, 3
Women's College Basketball
Catawba Valley CC at Wake Tech, 2
Tuesday, Feb. 12
Prep Basketball
North Johnston at Northwest Halifax, 6
Ayden-Grifton at Princeton, 6
Neuse Charter at Pope John Paul II, 6:30
West Johnston at Clayton, 6:30
Cleveland at North Lenoir, 6:30
Corinth Holders at Roanoke Rapids, 6:30
Smithfield-Selma at East Wake, 6:30
Garner at Southeast Raleigh, 6:30
Eastern Wayne at South Johnston, 6:30
Wednesday, Feb. 13
Prep Basketball
East Wake at West Johnston, 6:30
Men's College Basketball
Louisburg College at Wake Tech, 7
Pitt CC at Johnston CC, 7
Women's College Basketball
Lenoir CC at Wake Tech, 5
Explore, like and interact with our new Facebook page, which features the best of our day's news.


text:
Sun, Feb 25, 07 at 17:52
I think these are jonquils, Tete a Tete maybe? I got them as a potted gift plant. No matter their name, can't wait to see them again this year. |
Image link: Jonquils? (40 k)
Follow-Up Postings:
- Posted by sylviatexas z8a Tx (My Page) on Mon, Sep 10, 07 at 14:39
love 'em! Jonquils always make me think of my grandmother. |
Very pretty! Not Tete-a-Tete though. Remy |
Please Note: Only registered members are able to post messages to this forum. If you are a member, please log in. If you aren't yet a member, join now!
Return to the Bulbs Forum
Information about Posting
- You must be logged in to post a message. Once you are logged in, a posting window will appear at the bottom of the messages. If you are not a member, please register for an account.
- Please review our Rules of Play before posting.
- Posting is a two-step process. Once you have composed your message, you will be taken to the preview page. You will then have a chance to review your post, make changes and upload photos.
- After posting your message, you may need to refresh the forum page in order to see it.
- Before posting copyrighted material, please read about Copyright and Fair Use.
- We have a strict no-advertising policy!
- If you would like to practice posting or uploading photos, please visit our Test forum.
- If you need assistance, please Contact Us and we will be happy to help.
Learn more about in-text links on this page here


text:
Masako I. Nicholson of Pemberton Township, passed away Monday, June 9, 2014 at home. She was 84.
Born in Sendai, Japan, she has been a longtime resident of Pemberton.
She was a member of the Browns Mills United Methodist Church, a Volunteer for the Red Cross, member of the Browns Mills Senior Citizens Center and she also attended the Japanese Christian Church of Philadelphia.
She is preceded in death by her mother and father, Arata and Tokise Ishihara; her husband Wesley Nicholson; and two brothers, Keichi and Toshio Ishihara.
She is survived by two sons, Paul Nicholson of Jacksonville, Fla., and Bruce Nicholson of Burlington, N.J.; three daughters, Doris Nicholson of Columbus, N.J., Jennifer Namemnik of Melborne, Fla., and Joyce Nicholson of Pemberton, N.J.; five sisters, Setsuko Ishihara, Yasako Minami, Takako Ishihara, Atsuko Franklin, and Nobuko Yamashiro; five grandchildren; three great grandchildren; and several nieces and nephews.
A viewing will be held from 9:30 to 11 a.m. on Friday, June 13, at the Browns Mills United Methodist Church, 2 Pemberton-Browns Mills Road, Browns Mills, N.J. 08015. Funeral service will follow at 11 a.m, at the church. Burial will be held at 10 a.m. on Monday, June 16, at the Brig. Gen. William C. Doyle Veterans Memorial Cemetery, Provinceline Road, Arneytown, N.J. Moore Funeral Home
Browns Mills


text:
Thu, Sep 18, 08 at 2:33
I spray my Tillandsia usneoides once a day with rain water. I hang it at my kitchen window. Yesterday I found that 30% of it are brown. What happen to it? It's over or under watered? Thanks in advance. |
Follow-Up Postings:
- Posted by splinter1804 (My Page) on Thu, Sep 18, 08 at 15:04
Hankeat, I live on the east coast of Aust two streets back from the ocean and I realise my growing conditions are probably much different to yours, but from what you say I think you may be overwatering your usneoides. I have it growing all throughout my shade house and in the trees in my yard and it only ever gets rain water which is not that often and it just grows and grows. I don't know about growing it inside but there are many others here on the forum with much more experience and knowledge than I and they will help you. I was told by an old nurseryman many years ago that more plants are killed by over-watering rather than under-watering and if in doubt whether to water or not, don't! Put it off for a day or so. Hope this is of help, all the best - Nev |
Please Note: Only registered members are able to post messages to this forum. If you are a member, please log in. If you aren't yet a member, join now!
Return to the Bromeliad Forum
Information about Posting
- You must be logged in to post a message. Once you are logged in, a posting window will appear at the bottom of the messages. If you are not a member, please register for an account.
- Please review our Rules of Play before posting.
- Posting is a two-step process. Once you have composed your message, you will be taken to the preview page. You will then have a chance to review your post, make changes and upload photos.
- After posting your message, you may need to refresh the forum page in order to see it.
- Before posting copyrighted material, please read about Copyright and Fair Use.
- We have a strict no-advertising policy!
- If you would like to practice posting or uploading photos, please visit our Test forum.
- If you need assistance, please Contact Us and we will be happy to help.
Learn more about in-text links on this page here