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Jan. 15, 2014—If you were employed by Emory University between January 1, 2013 and December 31, 2013, you will receive a W-2 form. The form reports your salary and the amount already deducted for taxes for 2013. There are two ways to receive your W-2: online or by U.S. Postal Service delivery. The deadline for signing up to receive your W-2 online was January 14, 2013. If you did not sign up for online delivery, you should receive your W-2 in the mail by the end of January.
Form 1042S
If all or part of your salary is exempt from taxes because of a tax treaty benefit, or if you receive a scholarship, fellowship, stipend, or other non-work financial assistance from Emory, you will also receive a Form 1042S. The Form 1042S will be mailed to you by mid-February.
Please ensure that your current local address is on file in Human Resources so that your 1042S and W-2 (if you decide to receive it in the mail) is sent to the correct address. Go to the employee self service login page and input your user ID and password. Select "Self Service" and then "Personal Information Summary" within the Personal Information box for instructions on updating your address in the Human Resources database.
If you are a student, in addition to updating your address in the Human Resources database, you should also ensure that your current local address is correct in OPUS. Human Resources also needs your social security number. If you have not reported it, please do so immediately.
Form 1099
If you had U.S. interest or dividend income, you should receive Form 1099 from the financial institution or payer of the interest or dividend income. Please ensure that the financial institution has your current local address.
If you have a tax treaty benefit and also receive non-work financial assistance from Emory, please DO NOT file your tax return until you have received both the W-2 and 1042S. If you had interest or dividend income, you should also wait for Form 1099.
The deadline for filing both federal and state tax returns is Tuesday, April 15, 2014. Your tax returns must be mailed and postmarked on or before April 15. Look for more information in upcoming announcements about who must file a tax return and opportunities for assistance in filing.
For now, just make sure that your local address is correct in PeopleSoft and in OPUS (if you are a student) and that you receive all tax documents that you need to file your tax return.
Look for the following information about filing your taxes in upcoming communications from ISSS:
FNTR: a web-based federal income tax preparation program for international students and scholars who are nonresidents for tax purposes provided by Emory at no cost;
One-on-one tax help sessions for preparing Georgia income tax forms provided by the Office of the Controller at no cost for those who are nonresidents for tax purposes and who have completed their federal income tax forms; and
Both free and fee-based tax preparation assistance for international students and scholars who do not qualify for the assistance listed above.


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Support the Wyden Brown Amendment
In early December 2010, Sens. Ron Wyden (D-Ore.) and Scott Brown (R-Mass.) introduced S3958, the "Empowering States to Innovate Act," amending Section 1332 of the Patient Protection and Affordable Care Act (PPACA). This amendment would remove a critical barrier for state single-payer. Section 1332 of the federal health reform bill, passed last March, allows states to apply for waivers to the mandated health insurance exchanges if the state develops an alternative plan that meets or exceed PPACA on access/ coverage, benefits and affordability. Unfortunately PPACA prohibits granting of these waivers until 2017, 3 years after the exchanges are set to go into effect. The Wyden/Brown legislation would allow states to propose their alternatives now and start implementing them in 2014, rather than investing time and money setting up a structure that they don't plan to use. Please call Senator Franken and Senator Klobuchar and ask them to support the Wyden-Brown Amendment S3958. Ask your Congressman/Congresswoman to introduce a companion amendment in the House. Call the Capitol Switchboard toll-free at 866-220-0044 and you will be connected to your Senators and Representatives. Let's get this passed in the 2011 session!!
Read More Read the 2 Page Bill Download Explanation and Talking Points

subset: commoncrawl


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Los Angeles has two Twitter conferences coming up. Yes two. After all, what fun is one when two will do?
However, in my experience, this industry works much like the epic film Highlander. So that logic tells me there can be only one and these conferences must throw-down with an epic sword fight to the death.
Ok maybe not, but you may be wondering which one is best for you (if any). Robert Scoble weighed in with some of his thoughts yesterday and I wanted to share mine as well.
140 Characters Conference(#140conf)
Host: Jeff Pulver
Jeff has done lots of conferences, he is what you call "old school" in this space. He has a big following and from what I hear puts on a good show. I reached out to Jeff about the upcoming conference and didn't get much of a reply. The reply felt very east coast and I just assumed he doesn't get LA Tech, at least its current iteration.
When: October 27rd-28nd
Right before Halloween, spooky!
Where: Kodak Theatre
The same venue that hosts the Academy Awards and American Idol, smack right in the middle of Hollywood Blvd. The space is great, the location not so much. Anyone who has spent any time in LA avoids this area like the plague, at least I do.
Cost: $695-$995
Pretty expensive for any conference these days. Due to the economy and a rise in funemployment this is simply too much for most folks. However many can opt for a free ticket in exchange for becoming one of Jeff's 140 speakers. It makes sense, great exposure and of course the free pass.
What You Get
The format of #140conf is unique, I think it might actually be genius. You get a 140 speakers with various degrees of Twitter mojo, each one giving a short 15-20 minute presentation. Since most speakers tend to babble this keeps things fresh and fast paced. In a microblogging world this format of small bursts of knowledge is very appropriate.
The Twitter Conference (#140tc)
Host: Steve Broback
Steve is less well known but has been producing events through his company Parnassus Group for many years. I just recently learned this show was coming to LA and reached out to him. I got a response right away with some good background on the event.
When: September 22nd-23rd
Unfortunately taking place around the same days as DEMO. Due to the distance between the two events (San Diego and LA) you probably won't be able to make both.
Where: Skirball Center
If you went to the Digital Family Reunion event you already know this is pretty much the best venue in LA for a tech event. The space is huge, has a great patio for drinking and smoking and, of course, is Westside-friendly.
Cost: $299
The sweet-spot of any conference ticket these days. Just enough for the producer to put on a quality event without breaking your bank.
What You Get
The Twitter Conference LA doesn't have as many speakers at 140 Characters but the ones it does have are great. Folks like Biz Stone, Guy Kawasaki and the one and only Olivia Munn. The focus here is clearly on Twitter as a platform, including how to build for it.
So there you have it; do you plan to attend one (or both) of these Twitter conferences? Let us know in the comments, you can even say more than 140 characters.


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Walt's EPCOT didn't come about for the most part because he died, and the corporate types, including his brother, didn't necessarily share his vision for such a massive amount of spending.
Walt wanted the city built first - but the others balked on it. Walt gave in and said they would build the Magic Kingdom first, which appeased the money guys because they could get revenue sooner. When he died, everything else was put on hold, and eventually canceled. EPCOT itself was rebranded as Walt Disney World. And even the MK and the resorts had cutbacks in areas.
I also think that Walt's original vision was over-idealized as well, and probably would be scaled back. Celebration was developed with some of the ideas, but obviously not nearly to the grand scale that Walt wanted. Speaking of futuristic, retro or otherwise - if EPCOT did get built, it probably still would be an example of a futuristic city and not likely duplicated anywhere at this point.


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Outline of Finite and Infinite Games: A Vision of Life as Play and Possibility
Author: James P. Carse
I picked this book mostly for the back cover, in that it was plugged by Robert Pirsig, the author of Zen and the Art of Motorcycle Maintenance.
Quotes and paraphrasing noteworthy points: "There are at least two kinds of games. One could be called finite, the other infinite. A finite game is played for the purpose of winning, an infinite game for the purpose of continuing the play." 1
A finite game is bounded temporally by time, space, participants, and outcome, and players must freely choose to play it. Also, players must have someone to play against. A summary of this is that membership in finite games is externally defined. 2-4
The only similarity between infinite and finite games is that the players must choose to play. Otherwise they are opposites. Game is not bounded by time, space, or eligibility. Infinite games are internally defined, in that they are not based on world time, but time created within the play itself. 6
"Finite games can be played within an infinite game, but an infinite game cannot be played within a finite game. Infinite players regard their wins and losses in whatever finite games they play as but moments in continuing play." 7
Finite games must have "internal limitations on what the players can do and with each other…The rules of a finite game are the contractual terms by which the players can agree who has won." 8
"The agreement of the players to the applicable rules constitutes the ultimate validation of those rules." 9
Whereas the rules of a finite game cannot change, the rules of an infinite game must change. 10
Not just any infinite rules will do, they should regulate the game so it continues to grow. "Finite players play within boundaries; infinite players play with boundaries." 11
"Although it may be evident enough in theory that whoever plays a finite game plays freely, it is often the case that finite players will be unaware of this absolute freedom." - Finite players must be selected and might feel pressure to maintain a certain level of performance, as their playing privileges might be revoked. - Players might make every move in a game in order to win it. - It may appear that the prizes for victory are indispensable. 12
"To account for the large gap between the actual freedom of finite players to step off the field of play at any time and the experienced necessity to stay at the struggle, we can say that as finite players we somehow veil this freedom from ourselves." Finite players –> acting roles. "The issue here is not whether self-veiling can be avoided, or even should be avoided. Indeed, no finite play is possible without it. The issue is whether we are ever willing to drop the veil and openly acknowledge, if only to ourselves, that we have freely chosen to face the world through a mask." 13
"Seriousness is always related to roles, or abstractions." "To be playful is not to be trivial or frivolous, or act as though nothing of consequence will happen. On the contrary, when we are playful with each other we relate as free persons, and the relationship is open to surprise; everything that happens is of consequence." 14
Finite play is theatrical, infinite play is dramatic. "Dramatically, one chooses to be a mother; theatrically, one takes on the role of a mother." 15
The goal of finite players is to be able to not be surprised. 16
"Surprise causes finite play to end; it is the reason for infinite play to continue." 17
"What one wins in a finite game is a title." 18
"It is a perpetual function of society to validate titles and to assure their perpetual recognition." 19
"Soldiers commonly achieve a life in death. Soldiers fight not to stay alive but to save the nation. Those who do fight only to protect themselves are, in fact, considered guilty of the highest military crimes. Soldiers who die fighting the enemy, however, receive the nation's highest reward: they are declared unforgettable. Even unknown soldiers are memorialized–though their names have been lost, their titles will not be." 20
"The contradiction is precisely that all finite play is play against itself." 21
"Evil is the termination of infinite play." 30
"One reason for the necessity of a society is its role in ascribing and validating the titles to property." 37
"Property must be seen as compensation." "Property must be seen to be consumed." (Veblen's conspicuous consumption) 38
"Therefore, poets do not 'fit' into society, not because a place is denied them but because they do not take their 'places' seriously. They openly see its roles as theatrical, its styles as poses, its clothing costumes, its rules conventional, and its metaphysics ideological." 44
"Because patriotism is the desire to contain all other finite games within itself–that is, to embrace all horizons within a single boundary–it is inherently evil." 45
"For a bounded, metaphysically veiled, and destined society, enemies are necessary, conflict inevitable, and war likely." 48
The third section is quite a bit of near-Freudian psychoanalysis, and should probably be skipped. Hereafter the book kind of crumbles by getting too specific. The second to last section is especially crappy.
Major Dichotomy
Finite Infinite
external boundaries internal horizons
veiled free
serious playful
no surprise surprises
theatrical dramatic
contradictory paradoxical
title name
point backward openness forward
power strength
society culture (poietai doing poiesis)
explanation story


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Juvederm® Ultra Plus XC
Juvederm® Ultra XC Plus injectable gel is a colorless hyaluronic acid gel that contains a small quantity of local anesthetic. Juvederm® is injected into facial tissue to smooth away wrinkles and folds, especially around the mouth and nose. Juvederm® will help to add volume to the facial tissue and to restore a smoother appearance to the face. The lidocaine in the gel will minimize discomfort during the injections.
Hyaluronic acid is a naturally occurring sugar found in the human body. Hyaluronic acid delivers nutrients, hydrates the skin by holding in water, and acts as a cushioning agent.
Before Juvederm®
After Juvederm®
Most patients need only one treatment to achieve optimal results. Results will typically last up to one year.
Schedule an appointment with Dr. Behmand today to see if Juvederm® is right for you!


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Eye Brow Threading
The procedure uses a 100% cotton thread which is twisted and pulled along the skin surface of unwanted hair, lifting hair directly from the follicle.Keeps hair from growing back up to 4 weeks.
Perfectly shaped eyebrows can do wonders to your face making your face look more defined and sharp.
With perfect eyebrows you can not only look younger but you can also change the shape of your face.
Eyebrow shapes are always changing with fashion, from very full to thin brows and straight to a high arch. However eyebrow should be shaped as per the shape of your face.
Analyzing Your Facial Shape
To analyse your facial shape, pull your hair back from your forehead so that you can get an overall picture of your eyebrows and examine your bone structure carefully in a mirror. Pick out your key features and then compare your analysis with the five different face shapes shown below.
This shape is easily identified by its square jaw line and solid bone structure.
The cheekbones are flat and unnoticeable, while the forehead tends to be wide and angled with plum cheeks.
For a square face, slope the eyebrows towards the middle of the ear. A high arched brow elongates a square face.
Here, your cheeks, chin and forehead practically form a circle. Your cheeks tend to be plump and full, obscuring the cheekbones. For a round face, aim the end of the brow towards the tip of the ear.
Being narrow at the bottom and broad at the top marks this face. Your chin will be pointed and prominent. Cheekbones may be high, but often are not so obvious because of the width of the face. For a heart face, aim the eyebrows in a straight line towards the middle of the ear in a slight slope.
This shape will have either a long forehead or a long chin; distinct drawn and rather raw-boned features are visible giving a tired look. Cheekbones lack lift because of the length of the face. For a long face, shape the brow in a straight line towards the tip of the ear.
Oval is a perfectly balanced face; the top half balances the bottom half. For an oval face, the brow should curve down towards the lower ear.
Benefits of Threading over Waxing
Does not Peel of a layer of Skin
Hair does not grow back as fast
Will pick up the finest hair from surface leaving skin smooth
Skin does not get as red and irritated
Lasts for 2 to 3 weeks
Threading Services offered
Full Face
Upper Lip
Eyebrow Tinting
Aaina Salon & Aaina Brow Bar
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Upcoming Events
Feb 01
Groundhog Day with Buckeye Chuck
7:00 am - 8:00 am -
Feb 01
Super Bowl Sunday
3:00 pm - 4:00 pm -
Feb 07
Cooking Class
3:00 pm - 4:00 pm
Read More »Testimonials
An amazing place & wonderful people!
My husband surprised me and took me here for my birthday. I will always be a child at heart no matter how old I get when it comes to my Birthday so I loved that all the Hideaway Inn staff acknowledged it was my special day.
Everyone was so friendly. Anything we needed we could call about and would receive.
I had never heard of this place but will make sure to spread the word.
Got Romance?
Hideaway Country Inn Does!!!
The Kunz's - Newark,Ohio


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Health Care Reform calls for a huge expansion of the Medicaid program in 2014. Over the past two decades, Medicaid spending has grown by 450%. At the same time, state budgets for Medicaid have remained flat or decreased.
As the largest health care insurer in the nation, Medicaid costs topped $466 billion in 2011, for approximately 60 million beneficiaries. Health reform expansion will add 16 million enrollees, mostly in private plans, bringing the total number of Medicaid beneficiaries nationwide to about 65 million and raising the stakes for controlling costs. States will continue to look for ways to better manage Medicaid programs, improve outcomes and control costs, and are relying more on health plans to manage their Medicaid patients.
States are turning to MCOs to provide care for more medically complex, older, disabled – and expensive – populations with the goal of improving their health status through an integrated system that coordinates care and promotes wellness. Beneficiaries with mental health or substance abuse diagnoses are at 30% to 50% higher risk for chronic illness than those without behavioral health issues.
Facts About Medicaid State Spending
Focusing on prevention and providing alternatives to high cost services and settings while maintaining quality are among the objectives of all managed care organizations — and particularly the focus of Medicaid MCOs. Monitoring and managing patients in an outpatient setting rather than an acute care setting will be required to meet new payment models.
The value of managed care results from providing the right amount of health care, at the right time, in the right setting. Focusing on wellness/prevention and providing alternatives to high cost services and settings, while maintaining quality are among the objectives of all managed care organizations — and particularly the focus of Medicaid MCOs.
Analytic tools are needed to manage Medicaid beneficiaries and will be a key element to success to providing value to States that need to make their health care programs more efficient and effective. Predictive and clinical analytics will be an essential tool to create targeted programs for Medicaid MCOs to help identify high-risk members, track healthcare metrics against benchmarks and provide care managers with access to current clinical and financial data.
MEDai's advanced analytics capabilities allows Medicaid MCOs to be better positioned to support State Medicaid objectives of decreasing administrative and medical costs, providing high quality care coordination to Medicaid beneficiaries and maintaining overall program integrity.
Managed Medicaid solutions enable effective decision-making delivered through advanced analytics by providing the tools for:
- Management of High Risk Populations, particularly dual diagnoses beneficiaries (exponentially more risk and cost)
- Collaboration of Care that is Critical to Cost Reduction and Better Outcomes for Beneficiaries
- Identification of High Performing Providers
- Program Integrity
Whitepaper - "Creating a Healthier Medicaid Population through Collaboration"
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Steering: The Most Violated Law In Real Estate
I just picked a random ZIP code in my local MLS, and out of the first twenty listings I came to, ten had explicit violations of one or more of the sections of RESPA regarding steering right there in the listing. This did not include lender-owned real estate, which has its own set of issues in this regard. All I did was count two common violations.
The first was "Buyer must be prequalified by X", where X was some loan originator. In a way, I understand this. Forty percent plus of all escrows locally are falling out, and the vast majority of them because of unqualified buyers who cannot qualify for the loan. This wastes a minimum of about a month, plus when it goes Active again, it looks like it's been on the market for longer than it really has. Bad thing all around for the seller. The justification used is that for some reason, the agent trusts that particular loan officer to render a real opinion. Perhaps occasionally, a lender owned property will even try to require prospective buyers to prequalify through them. While it might seem reasonable, here's some relevant law from RESPA
Business referralsNo person shall give and no person shall accept any fee, kickback, or thing of value pursuant to any agreement or understanding, oral or otherwise, that business incident to or a part of a real estate settlement service involving a federally related mortgage loan shall be referred to any person.
They mean that "any thing of value" bit, if you peruse down the the definitions. It's defined very literally by about a paragraph of text that boils down to four words: ANY thing of value. You refer business to them, they give you approvals you can count on. It doesn't matter if you require "only" a prequalification - they now have the prospective borrowers information, including credit information and home telephone number. This means that even if there's no application fee, no deposit, not even a credit report fee, you have still given that loan originator a "business relationship" with the borrower. That makes for legal consideration on both sides of the equation, and both the originator and agent are guilty. This is just as hard a violation of RESPA as a fraudulent HUD 1 form. It hasn't been enforced much of late, but I believe that the State of California could probably put over half the brokerages and lenders in the state out of business over loan steering. I only counted four out of twenty actual explicit requirements to pre-qualify with a specific lender this time, while the last time I conducted the exercise it was eight. Maybe it's getting better, maybe it's not, but twenty percent of a representative sample of listings having an explicit violation of the law right there for everyone to see is not something agents should be proud of. When it comes to holding someone responsible for their representations, pre-approval doesn't mean anything. If you're a real estate agent who doesn't do loans, talk to a lender you trust about necessary information to determine whether a loan is doable. I've created a special form that I send to agents making offers on my listings. Nothing in the way of personally identifiable information except the borrower's name - no social, no contact information - but it does have credit score, late payment history, income information, etcetera, to the point where I can tell whether or not I could do the loan on the terms necessary to make the transaction fly. Furthermore, it does require the loan officer to sign a representation that they aware that a decision as to whether or not to grant credit - in the form of agreeing to enter escrow - will be made based upon this information. They don't need to make representations of opinion - all I'm asking for is verified facts. Armed with those facts, I have a pretty darned good idea if this borrower is capable of consummating the transaction. Doesn't tell me whether they will or not, but that's not what wanting a prequalification or preapproval is about.
But when I'm a buyer's agent, which is most often, I simply ignore these requests that violate the law. Furthermore, this puts me in rather a strong negotiating position if the listing agent repeats the request or brings it to my attention. Now they've compromised their client's interests, by giving the other side (me) a concrete legal issue to aim at them. Game, set, match. As I said, four out of the first twenty listings in a random ZIP code explicitly violated RESPA right in the listing, without counting the ones that say "Contact us prior to making an offer," where that's usually what they want. Four out of twenty where there is precisely zero doubt that they're violating the law.
Actually, that wasn't the most common violation, either. That goes to "Seller to select all services," at six out of twenty - thirty percent. Also from RESPA:
Sec. 2608. Title companies; liability of seller(a) No seller of property that will be purchased with the assistance of a federally related mortgage loan shall require directly or indirectly, as a condition to selling the property, that title insurance covering the property be purchased by the buyer from any particular title company.
(b) Any seller who violates the provisions of subsection (a) of this section shall be liable to the buyer in an amount equal to three times all charges made for such title insurance.
Even though in California the seller usually buys the title insurance for the buyer, I've had more than one lawyer tell me that failure to negotiate is construed as a violation of RESPA by the courts. It works like this: In the case of simultaneous owner's and lender's policies from the same company, there's a discount for the lender's policy, essentially requiring the lender's title insurer to be the same as the owner's title insurer. Since this happens on every purchase transaction where there's a loan, you have the requirement to negotiate. Seller and buyer negotiate until they come to a mutually acceptable compromise. Neither one of them gets to dictate to the other. Furthermore, failure to consider the best bargain for the client is a violation of fiduciary duty for the agent. It's not the sellers who want to choose services. Other than corporate owned property - lender owned and corporate relocation properties - there just isn't a reason for many sellers to care. The only reason is if they're employed by a title or escrow company, and their fringe benefits include free title or a free escrow. I've seen that once in the last four years.
What's really going on here is title insurance companies providing free farms, or subsidized mailings, or any number of other freebies they use to attract real estate agent business. Or the brokerage has a captive escrow company they're required by the broker to use, despite the fact that failing to negotiate this point is a violation of the law. I've had agents or their idiot assistants tell me that they get "discounted service" even when I've got a lower quote from the competition. Furthermore, the interplay of title company and escrow company is important. If there's no common ownership between the two, the title company will charge a "subescrow fee" that I've seen be anywhere from $100 to $450 (usually about $350) because they're the ones who are actually set up to accomplish some things that are legally the escrow company's responsibility. For instance, recording. What this means is that even if the actual quote is lower from unaffiliated companies, the clients are quite likely better off choosing escrow and title companies where there is common ownership, even if the quote is a little higher - because there won't be subescrow fees, and quite likely not messenger fees between title and escrow. To paraphrase an common saying, $350 is $350, even when there's a half million dollar deal happening. Make certain you get a guaranteed total fee for services quote based upon the actual escrow and title relationship to each other. I'm quite sorry for independent escrow companies - I have no reason to believe they're any less competent or charge anything more than title company affiliated ones - but they're competing at a disadvantage because the title company wants to charge more to work with them, and this is quite reasonable given that they will be performing services that are the escrow company's responsibility. They waive subescrow for their own affiliated companies simply because, one way or another, they're responsible for the work.
I've also heard all sorts of nonsense about competence of title and escrow officers. The fact is that most of them are perfectly up to your transaction. Even corporate owned relocation properties, where there may be some complex tax issues, aren't significantly more complex than your garden variety individual buyer - individual seller, and don't get me started about 1031 exchanges. Any good agent's agenda is very simple - competent service providers for the lowest total price. The vast majority of the time, this means a title and escrow company with common ownership. Note that I don't care which title company and affiliated escrow company. I'll do business with anyone that hasn't hosed a client, and even if they have, I'll simply require a different title or escrow officer - just because John has a recto-cranial inversion doesn't mean Jane, another officer at the same company, does. Even lender-owned property will negotiate service providers if you approach it right - which is how it should be. Oh, you'll end up with their choice of providers most of the time, but you can get them to pay for subescrow and messenger fees, and quite likely an allowance to meet your lowest quote elsewhere - meaning your client doesn't really have a reason to care. Essentially the same product at the same price to them. Why would most clients raise a fuss about that? Indeed, the only thing worthy of most clients raising a fuss would be if you didn't negotiate for that. Indeed, explaining the whys and wherefores of the whole service provider quandry has gotten me a seller or two working at cross-purposes to their listing agent, who had someone all picked out without informing their seller. When this happens, my buyer wins. How could I not use every weapon at my disposal?
The intent of Congress on steering is quite clearly spelled out:
TITLE 12--BANKS AND BANKING(emphasis mine)
Sec. 2601. Congressional findings and purpose
(a) The Congress finds that significant reforms in the real estate settlement process are needed to insure that consumers throughout the Nation are provided with greater and more timely information on the nature and costs of the settlement process and are protected from unnecessarily high settlement charges caused by certain abusive practices that have developed in some areas of the country. The Congress also finds that it has been over two years since the Secretary of Housing and Urban Development and the Administrator of Veterans' Affairs submitted their joint report to the Congress on ``Mortgage Settlement Costs'' and that the time has come for the recommendations for Federal legislative action made in that report to be implemented.
(b) It is the purpose of this chapter to effect certain changes in the settlement process for residential real estate that will result--
(1) in more effective advance disclosure to home buyers and sellers of settlement costs;
(2) in the elimination of kickbacks or referral fees that tend to increase unnecessarily the costs of certain settlement services...
Whatever forms those kickbacks and referral fees may take, if your agent is violating this, do you really want to do business with them?
Caveat Emptor
Article updated here
Buying and Selling2 Comments
Excellent article, thank you.
My question -
As an agent who is representing a buyer is it permissible and legal (not violating RESPA) to refer my client to a specific direct lender for pre qualification?
I receive absolutely nothing of value, not even lunch, from the mortgage representative. I am doing what I feel is my fiduciary responsibility, helping my clients avoid serious pitfalls with the sea of unscrupulous mortgage brokers vying for the uneducated fish.
I've been in the business full time for more than 20 years, sold more than 1200 properties and know the difference between smoke and fire, if you know what I mean. I have a buyer client who was referred to me from a past client & came pre qualified for a loan with a mortgage broker. I asked to see their Good Faith Estimate to make sure all was fair and saw extra charges of $1,800 ($790 processing fee & $1,000 "Administrative" fee). Also, it was a 1/4 point higher in cost.
I spoke to the broker and quizzed him on these charges and he first said they were normal. (I have personally taken out 20-30 mortgage loans in the past 15 years and understand GFE's pretty well). When I exposed his lie, so to speak, he then tried to down play the charges.
I asked the mortgage guy I have used to give me an independent GFE - WITHOUT ALLOWING HIM TO SEE THE "COMPETITIVE" GFE, using the same parameters - purchase price, down payment etc, and found the fees he quoted was $1,200 less. This is from a direct lender as opposed to the mortgage broker in question.
The mortgage broker obviously upset with me trying to take business away - which I am not, only pointing out to my clients money they do not need to spend, (he) is accusing me of steering.
I believe the mortgage broker is wrong, what is your opinion?
The difference is whether you offer or whether you require. The former is permissible; the latter is not. As to whether you get nothing, does your favorite loan officer never refer you business? As an agent, I have to send my FHA clients somewhere else for the loan; the guy I prefer sometimes sends me real estate clients also. So long as the client has all the choices and is free to not take the referral, everything is cool, but I get considerably more than "nothing" out of it.
That said, do you monitor your favorite provider to see if he actually delivers, or is he just talking a good game? A Good Faith Estimate often bears no relationship to the final loan. Ask if they're willing to guarantee that GFE?
Furthermore, companies make their money and break it down in more than one way. The administrative fee could be their version of origination. $790 processing seems high, also, but it's the total loan that you need to look at. For instance, if all I told you about was that I have to charge $595 for correspondent loan processing versus $400 for broker loan processing, the brokered loan seems like a better deal. But the correspondent side almost always saves a full point or better on cost for the same rate, and the overall closing costs are usually lower as well.
When it comes to actually being able to deliver the best loan, bet on a good broker over a good banker. The advantages in flexibility are overwhelming on the broker's side. The difficulty is in finding a good ethical loan officer - something the broker has more leeway on. The very best loan officers are brokers - and the very worst as well. A good broker will blow away a good direct lender, but direct lenders typically have rules preventing them from the very worst behavior that brokers sometimes manifest as well as specifying that they can't go as far to the good side as brokers have the capability of doing. It's a matter of the individual.
Logical failures (straw man, ad hominem, red herring, etcetera) will be pointed out - and I hope you'll point out any such errors I make as well. If there's something you don't understand, ask.
Nonetheless, the idea of comments should be constructive. Aim them at the issue, not the individual. Consider it a challenge to make your criticism constructive. Try to be respectful. Those who make a habit of trollish behavior will be banned.
Leave a comment
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Blog | Comments |
WoW | 116 Comments |
Recent Comments:
Enter to win a wireless headset from Creative and WoW.com {WoW}
Oct 21st 2009 6:07PM haha what the heck lemme try :D this'll prolly keep my cat from trying to chew my cord or something/
How will the Stormrage novel tie into Cataclysm? {WoW}
Aug 30th 2009 10:06PM Except your kinda wrong on that. Nazjatar is the name of the Naga captial city. Azshara is just sending her minions to Vashj'ir for a reason. If you noticed that Vashj'ir is located more south of the actual Maelstrom. :P We've only just scratched the surface of the water when it comes to the Former highborne Queen and her mutated people
Breakfast Topic: I am become Death, the shatterer of worlds {WoW}
Aug 26th 2009 10:33AM You forget the major point of why Kiljaeden sent illidan to kill the Lich King.
The dude lost control of this guy. The LK was like a rabid dog on a leash until one day the leash broke.
from the books point of lore, while Nerzhul felt that Arthas would have been the perfect choice to host his spirit and continue what ever work he wanted. He hadn't suspected Arthas to turn around and be like "Wow all that powers great but....... mine now haha sucks to be you Nerz'y" and killed him and then killed his humanity which kept him from hurting people he once undoubtedly loved.
What we are facing in the Lich King IS Arthas himself, he is not being controled by Nerzhul he had no feelings for redemption (See Tirions Gambit) and the crazy bastard cut out his own g.damn heart. I am sure as hell positive that Arthas is not even being controled by Kil'jaeden. This is all him folks
Breakfast Topic: Will you subscribe to the World of Warcraft Magazine? {WoW}
Aug 25th 2009 9:36AM =/ I'd join I'm a sucker for their art but I'm not a credit card holder. I use paypal so unless they deliver me up that option to buy this I can't.
BlizzCon 2009: Entering a brave new world {WoW}
Aug 24th 2009 8:10PM because they -are- completely restructuring old azeroth..... what part of that don't most people realise?
Breakfast Topic: What do you think of World of Warcraft: Cataclysm? {WoW}
Aug 22nd 2009 8:28AM I can see the new Barren's convo's starting now.
Troll: "Where's Mankirks wife?! lol"
Smartass lvl 85: "In that lava flow over there."
Or my personal favorite. "Deathwing didn't Sunder the Barrens, Chuck Norris just let him have the credit for his handy work."
WoW Rookie: Sharding etiquette {WoW}
Aug 21st 2009 10:04AM Imo I greed on my enchanter. I win the roll, the shard is mine. If people pass that's their choice, if others greed and lose the rolls to me well, you can't say they lost something they never owned in the first place yes?
Drama Mamas: Of phone calls and slanderers {WoW}
Jul 17th 2009 2:14PM I'd say my guild is small ish. Sometimes we get members who level alts to aid in progression (ie healers because we're kinda short on that D:) Our policy with all members alts included is "do your best to Pug it. If someone's not busy or one of the officers can step in and run you we will when we're not busy doing things like Running heroics for new 80's to get geared, or getting dailies and rep grinds done so that at least 1 person in the guild can supply 22 slot bags for those who constantly go "Err I have no bag space"
Zarhym explains Druid form colour combos {WoW}
Jun 5th 2009 9:10AM if you read the description at all then you'll notice they actually explain what combo's make what Druid bear/cat colors. =/ So Obviously if the one you want is linked to another hair color chances are you aren't going to get it.
Win one of five TCG codes today on WoW Insider {WoW}
May 19th 2009 8:04AM D: Why the heck not! sign me up!


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The Uniden CEZ260W corded phone features a visual flashing ringer, and large LCD Display. Its big button keypad, and amplified audio boost (+20db) makes this phone perfect for the visually or hearing impaired. Crafted in stylish white, this compact phone is wall mountable, affordable and reliable. With built-in power fail protection, Uniden corded phones continue to work even during an electrical power outage.
Manufacturer: |
Uniden Corporation
Manufacturer Part Number: |
Manufacturer Website Address: |
Brand Name: |
Product Model: |
Product Name: |
Big Button Desktop Caller ID Corded Phone
Product Type: |
Standard Phone
I have this phone several months now and it is very good, no problems. I love the large display and speaker phone option. It is a true white which blends nicely with my white wall. The buttons are large. It could be easily be used by a disabled person. There is a volume control, which could accommodate a hard of hearing person, too. I like to have one corded phone in my house incase the electricity goes out, this was perfect. I have it in my kitchen and often answer it on speaker when I am cooking and can't use my hands. The sound is very clear. I can walk around the kitchen and have a conversation with no hearing problems .It was easy to hang on the wall. If you are looking for this type of phone, this is a good one, I would definitely recommend it.
I find this phone satisfaction to the my need. Its quality is very good and the sound is excellent. I do recommend for someone whos looking for simple quality and big numbers/letters.
Ordered the phone, so pleased with it. Love the large numbers. Couldn't ask for a nicer looking phone for my office.
Usually leaves our warehouse in 1-2 business days. *
The items must arrive at our warehouse within 30 days of purchase. You must return items in their original condition to qualify for a full refund. We will issue a partial refund of up to 70 percent if returned items have been opened, used, or returned late. More details
Our standard shipping method is ground shipping. We also offer expedited shipping for most items. Your final shipping cost and estimated delivery timeframe will be available at checkout.
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** Most Oversize orders are delivered within 1-4 weeks. Some orders may take 6 weeks to be delivered.


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Length: | 10.078 in. |
Height: | 7.75 in. |
Weight: | 5.3 lbs. |
Abrasive Type: | Hook and Loop |
Amperage: | 3.3 |
Front Handle: | Yes |
Hole Pattern: | 6 Hole |
Shipping Weight: | 13.35 lbs. |
Reviewed by 3 customers
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Displaying reviews 1-3
Best Uses
Comments about 5 in. and 6 in. Variable-Speed Random Orbit Sander Kit with Vibration Control:
I bought this sander to replace an older Bosch 5" that had given great service but had reached retirement age. While it is considerably more expensive that the non-vibration reducing Bosch RO sanders, it is worth every penny. The reduction in vibration is significant. I have some arthritis in my hands and it made a world of difference in how my hands felt after several hours of sanding. It is easy and comfortable to use and the larger size and front handle made it easy to control. The sanding I was doing, which was on furniture pieces, was smooth and mark-free. This sander is a little big to use one-handed (at least with my small hands). It is an excellent tool that I highly recommend.
Best Uses
Comments about 5 in. and 6 in. Variable-Speed Random Orbit Sander Kit with Vibration Control:
There is significantly less vibration than with other ROSs. Best on board dust control ever. Very efficent at sanding and quickly goes from coarse to fine finishing. No swirl marks. It is on the slightly heavy side, thus best for horizontal rather than vertical use. Noise level is reasonably low. It comes to a stop reasonably quick compared to most other ROSs), but if I could suggest electronic braking would be a plus.
Best Uses
Comments about 5 in. and 6 in. Variable-Speed Random Orbit Sander Kit with Vibration Control:
This is a high quality professional tool. It's probably more than I needed, but I've never regreted buying a superior product in the long run.Excellent at sanding flat hoizontal surfaces. The weight makes long-term vertical sanding a tiring process.Can remove wood faster then you might expect, but the variable speed is helpful in this regard.Accessory (different firmness)and replacement sanding pads are really expensive ([$]).
Displaying reviews 1-3
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get answers from real customers and in-house experts with AnswerBox.
Does it come with the case for storing everything?2 answers
No it does not include a case.


text:
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text: OW3S UK drops another great track on the GOOD NEWS BOPPERS label. Having remixed Tuesday Trance Clubs "Under Your Spell" and with their blessing you are now graced with this amazing track which has it all, HEAVENLY VOCALS, ATMOSPHERIC SYNTH's & SLAMMIN' BEATS - Get all over this one!!!!! Dare we even say...ANTHEM!!!!!!!!


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The Killers: 'We've already written four or five new songs'
The Killers have begun work on their fourth studio album and have already written a series of new songs, according to singer Brandon Flowers.
Speaking to Zane Lowe on BBC Radio 1 last night (June 21), Flowers said that the band had reconvened and were now working in earnest on new material.
Asked if the band had written any songs for the follow-up to 2008's 'Day & Age', Flowers replied: "We have about four or five. We've put them up on the board and they're sounding good. We think they're strong."
The Killers play two intimate UK dates at London's Scala tonight (June 22) and tomorrow (June 23) in preparation for their headline slot at Hard Rock Calling, which they play on Friday (June 24).
Flowers admitted that the band are apprehensive about the shows, saying: "Those first gigs will definitely be nerve-wracking."
Latest music and film news on Uncut.co.uk.
Uncut have teamed up with Sonic Editions to curate a number of limited-edition framed iconic rock photographs, featuring the likes of Pink Floyd, Bob Dylan and The Clash. View the full collection here.


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Created: 02/13/2014 11:27 AM WHEC.com
Retrotech, a local engineering services firm, has outgrown its Victor facility and will expand in Henrietta and add new jobs. Governor Andrew Cuomo made the announcement Thursday morning.
News10NBC is told the company looked at locations in Chicago but ultimately chose to remain in New York. The move to Henrietta means the retention of 87 jobs and 23 new positions.
"Retrotech's decision to expand operations in the Rochester area will create new economic opportunity in the region, including more than 20 new jobs for the community," Governor Cuomo said. "The company's decision to expand here in New York was an easy one thanks to the state's high quality and experienced workforce, low operation costs and a strong network among the region's companies and higher education institutions. Today more businesses are choosing to grow in New York State, adding private investment and new jobs while proving that there is no better place to do business than the Empire State."
About Retrotech:
Since 1985, Retrotech has provided exceptional project management and technical expertise combined with unparalleled design, installation, modernization, and support of automated material handling and order fulfillment/e-commerce systems.
News10NBC/WHEC-TV welcomes your opinion and interaction on our website, but please remember to keep it clean. If you're advertising for another business, being profane, vulgar or slanderous your post will be deleted. By commenting on this website, you agree that anything you post may be used, along with your name and profile picture, in accordance with our Privacy Policy and the license you have granted pursuant to our Terms of Use. Comments are not pre-screened before they posted.


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The students of Creative Process presented their works June 2nd on the second floor of Clement from 5 - 6:30 PM.
The works included charcoal drawings, painted furniture, videos, animations, poetry readings, wire sculptures, comic book art, live dramatic and music performances and home-baked food, created by Chris Ivanyi, Daryl Concha, Jennifer Freise, Carl Sciacchitano, Catherine Han, Jean Mason, Anna Edwardson, Amanda Mata, Nuith Morales, Michael Madrid, Eric Packer, Eric Paul, Mia Jessup, and Alannah Phelan.
See some images of the artists creating their work here


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MBJ Airport Transportation- Montego Bay Resorts
ExplorerJamaica Transportation & Tours offers safe, reliable and customer friendly airport transfers and tours to and from these Hotels/Resorts in Montego Bay Jamaica. See price listing on MBJ airport transfers.
Riu Resort Montego Bay Jamaica...Airport Transfer US$35.00 1-4
Persons Riu Montego Bay Resort Located in the north-west of the island, constructed directly on
the beach of Montego Bay, the All-Inclusive Hotel Riu Montego Bay will
offer a wide range of services including the "All Inclusive" system, in which
guests and enjoyment is paramount.Booking & Reservation form here | Hotel Accommodation
Ritz-Carlton Golf & Spa Resort Jamaica...Airport Transfer US$40.00 1-4 Persons. Ritz-Carlton Golf & Spa Resort, Rose Hall has brought a new level of
luxury to the casual island atmosphere at Rose Hall, being the only
resort in Jamaica to boast this prestigious accolade which they have
consistently maintained since opening in 2000. Booking & Reservation form here| Hotel Accommodation.
Iberostar Rose Hall Suites...Airport Transfer US$40.00 1-4 Persons
Iberostar Rose Hall Suites is the perfect mixture of old and new.
Here, shiny marble floors, gigantic brass chandeliers and electrifying red
velvet couches all come together to create the ideal image of your vacation. Booking & Reservation form here | Hotel Accommodation. Reservations & Information
Phone: (876) 680-0000
Fax: (876) 953-8019
Email: firstname.lastname@example.com
Coyaba Resort Montego Bay...Airport transfer US$35.00 1-4 Persons. Coyaba Resort is a Family owned and run, the intimate 50 room property is a quiet blend of understated elegance with a clubby, old-world feel. A private stretch of white sand beach runs the full length of the property providing the perfect backdrop for tropical lounging. Located 10 minutes from the Montego Bay airport and 5 minutes to downtown Montego Bay.Booking & Reservation form here | Hotel Accommodation
Hoilday Inn Sunspree Resorts Montego Bay...Airport Transfer..US$35.00 1-4 Persons.
Experience the Caribbean's most inclusive and most romantic all-inclusive resorts. The Holiday Inn Sunspree Resort Jamaica is a beachfront, all inclusive resort that is great for families, couples and singles.
Enjoy the large, interlocking swimming pool, variety of water sports, live nightly entertainment and renowned KidSpree Vacation
Club providing a safe environment for kids. Booking & Reservation form here| Book Accommodation
Royal Decameron Resort Montego Bay.....Airport Transfer US$20.00 1-4 Persons. Submerge yourself in the tropics of Jamaica most spectacular new Royal Decameron Montego Beach just five minutes from the airport. Ideally situated near the center of Montego Bay, shopping and
nightlife are easily accessible. The newly refurbished hotel sits right on a white sand beach, with crystal waters offering a breathtaking
view of the ocean. Come to Jamaica and experience all inclusive the Decameron way. Booking & Reservation form here | Book Accommodation
El Greco Resort Montego Bay....Airport Transfer US$20.00 1-4 Persons. High on a Hill plateau, surrounded by lush tropical beauty and a spectacular panoramic vista of Montego Bay, you find your home away from home at El Greco suites resort. Relax and enjoy Jamaica from your El Greco Resort home. Located 2 minutes Drive from Montego Bay International airport. Come visit, and experience El Greco Resort.Booking & Reservation form here | Book Accommodation
Palmyra Resort & Spa at Rose Hall....Airport TransferUS$40.00 1-4 Persons. The Palmyra Resort & Spa at Rose Hall Montego Bay will be the first luxury beachfront condo hotel in Jamaica. Located next to the famous Ritz-Carlton on 16 acres of pristine waterfront land in Montego Bay, it offers unparalleled indulgence in a quaint village setting StyleThe Palmyra Resort & Spa offers pure indulgent living and a great opportunity to invest in some prime Jamaican real estate villas, condominiums, penthouses and suites - for sale in Montego Bay Jamaica. Booking & Reservation form here | Book Accommodation
Half Moon Resort Montego Bay....Airport Transfer US$35.00 1-4 Persons. Georgian-style buildings scattered throughout the lush, tropical grounds of Half Moon are home to casually elegant and restful accommodations. Individually decorated, Half Moon's guest rooms, suites and private villas were designed to enrich your stay and welcome you back again and again. Located 10 minutes Drive from Montego Bay International airport. Come visit, and experience elegance.. Booking & Reservation form here | Book Accommodation
Breezes Resort Trelawny, Montego Bay...Airport transferUS$60.00 1-4 Persons. Breezes Resort & Spa Trelawny - Super Inclusive is a wonderland for family fun, with a kid�s program to ensure that youngsters enjoy the full flavor of a tropical vacation, well supervised. But the whole family will want to join in the extensive sports program; sunfish sailing, windsurfing, aerobic classes in the well-equipped gym, and much, much more. Located in Trelawny which sits between Montego Bay and Ocho Rios and 35 minutes from the Donald Sangster airport in Montego Bay.Booking & Reservation form here | Book Accommodation
Hilton Rose Hall Resort and Spa....Airport Transfer. US$40.00 1-4Nestled between the scenic Jamaican mountains and turquoise Caribbean waters, Rose Hall Resort & Spa truly inhabits a more exclusive ocean-front location than other Montego Bay Jamaica resorts.Booking & Reservation form here | Book Accommodation. Other mbj Airport Transfers---Altamont West Hotel, Atrium at Ironshore, Breezes Montego Bay, Coyaba Beach, Doctors Cave, Gloustershire, El Greco, Jamaica Grandiosa Relax Resort, RIU Montego Bay, Royal Decameron Montego Beach, Sandals Royal, Montego Bay and Inn, Sunset Beach Resort, Toby Resort, Wexford Court, Rose Hall Resorts, Half Moon Resort Montego Bay, Holiday Inn Sunspree, Iberostar, Palmyra Resort & Spa (Solis) Ritz Carlton Rosehall Resort, Hilton Rose Hall Resort and Spa, Trelawny Resort and Hotels, Emerald View, FDR Pebbles, Grand Lido Braco Star Fish Resort, Secrets Wild Orchid Resort Montego Bay jamaica transportation services


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Freeport + Mid-Coast
Camden Harbour Inn
Camden, ME, 04843, United States
After breezing through Maine on a leaf-peeping tour in 2003 , Dutch duo (and hospitality-industry veterans) Oscar Verest and Raymond Brunyanszki returned in 2007 to open what is arguably Maine's first truly design-focused inn, on a hill overlooking Camden's sail-dotted town harbor. Though it occupies a gracious, rambling 1874 building, the inn has enough mod shine to shake up the Top-Sider set; the public lounge spaces feel more South Beach bôite than historic New England. The 20 guest "chambers"—each named after famous ports of the Dutch East India Trading Company and accessed via old staircases—are an ebullient swirl of graphic Metal X wallpaper; Asian antiques; Deco accents; satin, silk, and velvet comforters; plus all the latest technology. The restaurant, Natalie's, serves sophisticated brasserie fare—both inside and on the grand porch in summer—in turn-of-the-century Parisian style (note the bar made from 100-year-old convent doors from France).
Room to Book:
The third-floor Bonaire room has views of Penobscot Bay and Mount Battie.
Insider Tip:
The inn's small spa offers the Reiki-like, cutting-edge "Zero Balancing" energy treatment.
Open / Closes- Breakfast Included
- Handicapped Accessible
- Laundry Service
- Luxury Boutique Hotel
- Meeting Room
- Parking Available
- Room Service
- Spa
- Turndown
- WiFi
Number of Rooms: 18
Number of Suites:
Year Opened: 2007


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It's pretty slick, and you don't have to worry about 'tards tripping over the string line.
Is anyone currently running this system? The company I am working for is in serious consideration on gearing this up on a new G&Z850 Slipeform Paver and I have never used a system of this sort. I was curious of the model, setups, tricks, etc.
It's pretty slick, and you don't have to worry about 'tards tripping over the string line.
Last edited by bigshow; 01-25-2012 at 07:17 PM. Reason: Spellling....
bigshow - are you working with the system? I am looking for a company that is using it so i can come check it out
P.M. will be sent.
All, please feel free to send me a private mail if you want to know more about the Leica PaveSmart 3D system....
@MCGuy - G&Z running 3D school with our equipment in mid-Feb. e will be there to explain the system. Give them a call...or I can put you in touch with the right people
I was aware of the school, we didnt pull the trigger on the GZ850 until a couple of weeks ago. Last Friday we pulled the trigger on the Leica Stringless! I cant wait to get into it. Its going to work out perfect for us becuase we have a 8 mile 13' wide temporart pavement pour we can test it out on! I am pretty excited about it!
Hi MCguy, fantastic to hear you've pulled the trigger! My sales manager called me last Friday to give me the good news. We're looking forward to impressing you. What platform do you use for the 3D data-prep?
what file types does it need? no way to use terramodel or TBC for data prep I assume?
I never have been a fan of Terramodel, the code wasn't written by a CAD user. TBC I have been experimenting with and so far Im liking what it has to offer. My main use for it right now is just importing/exporting files for machine control and data collectors. My Carlson R4 I can export a .ttm file right to TBC perfectly.
I am running two Leica systems at the moment. We have been running Leica Stringless for 4 years now. I only use Terramodel for my data prep. If you have any questions pm or email me.


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Sensational singer, Banky W will soon dazzle fans and music lovers with the release of his upcoming album, "R&BW".
The promo picture of the single is now available on social network which is already getting the attention of fans.
The EME boss, will release the two singles for the yuletide swagger.
These are, "Yes / No" produced by Cobhams & a track called "Good Good Loving".


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Twenty-seven evangelical scholars writing about their own specialties contributed essays. The book provides a comprehensive summary and an immense reservoir of learning in each area related to the Bible. It offers guidelines on principles of interpretation and interacts with key issues in contemporary scholarship. Dockery is Vice President for Academic Administration and Dean of the School of Theology at the Southern Baptist Theological Seminary, Louisville, Kentucky. Mathews is Professor of Divinity, Beeson Divinity School, Samford University, Birmingham, Alabama. Sloan is Dean of the George W. Truett Theological Seminary, Baylor University, Waco, Texas.
Essays focus on the Bible as literature (Leland Ryken), geography of the Bible (Keith Schoville), NT use of the OT (Darrell Bock), archaeology (J. A. Thompson), OT textual criticism (Bruce Waltke), OT historical criticism (Duane Garrett), OT history and chronology (Donald Fowler), OT political background (Edwin Yamauchi), OT biblical theology (Walt Kaiser, Jr.), NT textual criticism (David A. Black), NT historical criticism (Craig Blomberg), NT history and chronology (Harold Hoehner), and others. The book supplies a Scripture index and a name index. Each chapter closes with a list for further reading, usually five to twenty books, the brevity of which justifies a questioning of the validity of the sub-title's claim, A Complete Library. . . . Yet many of the best sources do appear, with much potential benefit.
James E. White wrote the chapter on biblical inerrancy. His stand is for full inerrancy, i.e. "where the Bible speaks, it speaks without error" (27). Dockery's chapter has a general statement on uses of the Bible, the history of interpreting since the early church, nine guidelines for interpretation, seven steps to bridge the gap between biblical author and interpreter, and applying the Bible. The last section, only about one page, is disappointingly cursory.
Waltke's chapter on OT textual criticism attests a high degree of textual soundness. Only ten percent of the text is affected by problems of variant readings. Of these, "only a few percent are significant and warrant scrutiny; 95 percent of the OT is therefore textually sound" (158). He sees many differences as inconsequential (157), citing Douglas Stuart:
It is fair to say that the verses, chapters, and books of the Bible would read largely the same, and would leave the same impression with the reader, even if one adopted virtually every possible alternative reading to those now serving as the basis for current English translations ("Inerrancy and Textual Criticism," in Inerrancy and Common Sense, ed. by Roger Nicole and J. R. Michaels [Grand Rapids: Baker, 1980] 98, cited by Waltke, 157-58).
Garrett's chapter on historical criticism is well-done. He reviews arguments for both an early and a late date for the exodus, favoring evidence for the early date (203). Hoehner's study on history and chronology surveys Persian rule by various leaders relevant to scriptural background (539—331 B.C.), Hellenistic control (331—143 B.C.), Hasmonean rule (143—63 B.C.), and Roman dominance (63 BC—A.D. 100). He dates the birth of Jesus between the spring of 5 B.C. and the winter of 5/4 B.C. (476). He places Jesus's ministry in A.D. 29/30—33, during a span of 3½ to 3¾ years (477). He argues for an A.D. 33 crucifixion, on a Friday, and offers a chart covering ten days (Saturday to the second Monday) for events including the triumphal entry, Olivet Discourse, Last Supper, betrayal/arrest, trial, death, and resurrection. Another chart shows years and dates from Jesus's birth to the Day of Pentecost. Paul's ministry, Hoehner believes, was in A.D. 35-68. Another chart lists events from the crucifixion to the destruction of Jerusalem.
Black, who has served on the part-time faculty at Talbot School of Theology, deals with NT textual criticism. He says that in preaching it is good to realize that "most variants are insignificant and no doctrine of Scripture rests on a disputed passage" (412). He deals with kinds of textual errors, sources of evidence for textual criticism, history and methods of textual criticism, principles for discerning the original reading, modern approaches to NT textual criticism, how to read the textual apparatus, examples of NT criticism (e.g., Eph 1:1), and how to deal with textual problems while preaching.
Overall the work is a very competent summary of evangelical perspectives. It is helpful for serious beginners, theological students, and pastoral staffers. Its many special areas also make it a fine tool for review by advanced students and mature scholars.


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iCreate is a collaboration between ArtsWork and the Center for Cancer and Blood Disorders at Phoenix Children's Hospital. Young people create digital stories through computer technology, including digital music, images and photography.
Tumbleweed Center's Asphalt Art
The partnership between ArtsWork and the Tumbleweed Center for Youth Development integrates performing arts into the programs and resources available for homeless youth at the center. ASU artists in residence work with young people on a variety of projects including gallery shows and performances, collaborative video storytelling, a center-wide haunted house, and an original play, developed and performed by Tumbleweed clients as part of the 2009 Phoenix Fringe Festival.
Annual Research Symposium
Every March ArtsWork hosts an Arts Education Research Symposium for faculty and Arizona State University graduate students in Visual Arts, Dance, Music and Theatre.
Theatre Education: A Resource of Practical and Project-Based Warm-ups and Units for Middle and High School
This online collection of theatre and drama activities offers a wealth of options for both beginning and veteran teachers. Warm-up games and theatre units for grades K-12 are coded by skill area and theatrical content.
Place: Vision & Voice
Place: Vision & Voice is a community-based digital storytelling and performance residency program. Working together, program participants and collaborating artists create and edit multi-media performance collages.
Celebrating Excellence in Ceramics
This program invites you to explore the big idea of excellence and explore judgment, proportion, and pattern as you investigate ceramic art.
Preadolescents Reflect on their Dance Drawings: The Impact of Hip-Hop Culture
In this pilot study preadolescents revealed their social identities, which transcended their ordinary experiences in the complex world of hip-hop. Drawings and reflections by this group of students have been posted on a website. This study will enlarge into across-cultural comparison with groups of students in Granada, Spain, and Antakya, Turkey.


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The Board
this wiki
Redirected from Board
- Not to be confused with Board of Department Heads.
The Board is not a table, it is not a plank, and it's not a chalkboard or whiteboard or whatever-else-have-you. It is the PPC Posting Board, and it is the main message board of the PPC.
The Board has a constitution, which we politely insist that you read before participation. It also has a FAQ, which newcomers may find useful.
This is where you can get Permission, talk off-topically about something, plug your missions or fics, and occasionally bring up badfic.
The people who visit the Board are generally excitable and friendly. They also tend to try and give you things, if you prove a vulnerable target. They especially love it when people who had left return back to the Board, and even more so if they return to the PPC itself.
The Board currently stores roughly a year and a half's worth of posts (or, more precisely, 25,000[1]). In order to preserve posts older than this, Tomash and Huinesoron have launched the Board Archive here.
The Other BoardEdit
The Board was drowned in spam in August, 2008, and a New Board, the PPC Message Board, was set up by Huinesoron. Fortunately, the spam problem was later dealt with, and the New Board has been put aside. It tends to be resurrected when a large RP is done. An interesting quirk of the New Board is that some people see its links in blue and others in red. Other than that and a few other minor details, it closely resembles the original Board. Oddly, the Board was spammed again the following August, but such incidents seem to only happen in August.


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Texting a girl you like is a lot simpler sometimes than face-to-face. Lots of men and girls find it hard to come up with something right to talk about straight away when flirting face-to-face without sounding silly or feeling peculiar saying it. Thus texting a girl allows you to flirt text with a female without being vulnerable to the proper awkwardness if the teasing isn't reciprocated. The problem however is a lot of guys don't know a thing with regards to texting girls hence find it hard in this respect.
Texting a girl should be simple to accomplish provided you have the correct approach and observe the fundamental rules. Your texts have to be something very smart and memorable if it is the first time you are flirting with a girl, in order that they will be willing to reply out of curiosity. The conventional "what is happening" won't do the job and isn't regarded as a flirt so avoid it before you enter a letter in your telephone. This is dull or boring and will not get you noticed. Create a nick name for the woman you're flirting with and use it in your text messaging. Making use of a pet name will likely make them ponder why you picked that pet name and they will reply. As you are flirting over text message, the texting a girl you like should be interesting and playful if possible in order to get the right result. Should you not know the motion behind this approach, visit http://www.lovesearch77.com for some additional information about it. You need to connect with emotions so that the girl gets to be curious about what you are saying, and also you may want to include a simple reason for the girl to reply like for example a challenge. These very simple guidelines can help you to receive a response each time, unless of course the girl finds out who you actually are and is not interested.
When flirting with a girl over text, you need to provide a bit of playfulness so that she would love to find out more. There are several ways to flirt, however keep in mind that if you're below 16 years of age, sexting is prohibited. Including any words and phrases that are sex-related in nature in your text message can secure you a fine and not to mention some time in the juvenile court , for that reason it's better to keep away from mentioning parts of the body or things you would like to do to a woman in anyway. Flirt texting serves as a means for getting a female to acknowledge you and also return attention without you having to express it in person.
Using your creativeness and staying away from corny text is going to make it possible for you get nearer to a girl. Using words and phrases like 'Did it hurt when you dropped heaven? is not flirting and is rather embarrassing to the individual sending it. It's a sad and frankly boring text message, and so stay away from it and every other poor pick up lines just like it. In this modern day, pick up line is great for a joke but not while you are serious about cultivating girls you like. Thus, stay away from them and find out the correct technique if you want to stand out whilst flirt texting with a girl.


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Lewis and Clark Outfitter's Springdale location on Saturday, June 21 from 3 to 8:00pm. Located just north of the NWA Mall. Registration is available on Saturday, June 21, but there is no race-day registration.
Race day packet pickup:
Packets may be picked up on race day from 6:00am to 7:30am at the race site. Chips will be issued on race day only. There is no race-day registration.


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im looking for a high yield tomato plant.. my intention is to grow it hydroponically... but taste is a huge factor.. if theres a high producing, quality heirloom tomato plant, that would be great... but im looking for flavor, and quantity.. i wont have to worry about insects or diseases since my plant will be indoors.
so.. any suggestions on tomato varieties i should look into?... medium size is what id like most, no cherry tomatoes, and they can be black tomatoes too (deep red) |
Follow-Up Postings:
my intention is to grow it hydroponically... imo. good luck on a good tasting one. but you can get good production. good luck. |
my most productive tomato ever was Pale Perfect Purple aka Purple Perfect followed by VB russia and Kosovo. As for taste the PPP was outstanding.The Kosovo and VB Russia was nice as well. |
Variety won't be your issue. Your growing conditions will be. But Rutgers meets all your criteria when grown under normal conditions. Taste/flavor is the first thing to go when hydroponics is used. Dave |
Marglobe has been a very heavy producer for me. |
- Posted by animus_divinus none (My Page) on Thu, Jun 23, 11 at 3:52
i should mention that growing outdoors isnt an option, no part of my yard gets any amount of direct sunlight... its great to have all that shade to enjoy my backyard, i just cant grow anything there... so i dont have the option to grow a lot outdoors also, forgot to mention i want something indeterminate... in all honesty, im used to the tomatoes i get in the grocery store so far... so.. highest yielding.. meaning most pounds of tomatoes in a given period of time is what i want first... second is flavor.. but optimal is a good balance of the two |
- Posted by LB_Gardener Long Beach CA zone 9 (My Page) on Fri, Jun 24, 11 at 0:49
I'm growing a mortgage lifter plant hydroponically right now and it's setting fruit really well. Each cluster has between 6 to 10 fruit, and the smallest looks to be around 10 ounces. I'm pretty impressed with it's performance as far as yield, but, I haven't gotten to taste any of them yet, as they haven't ripened. So, there's one vote for the good old Mortgage Lifter, at least for production. |
Heidi or New Zealand Pear--both bear tons of delicious tomatoes! Carla in Sac |
Animus, I'm a huge fan of BIG BEEF. I know it's a hybrid but it has great disease resistance, sets a lot of fruit and they taste great. Check out my latest post "binster's here with PICS and take a look at this year's crop. You can also check "TIMMY1" who grows BIG BEEF commercially in his greenhouse |
- Posted by LB_Gardener LB CA 10b (My Page) on Fri, Jun 24, 11 at 22:27
Just a thought, Have you tried searching this topic in the hydroponics forums? You may find some good threads in there. If not, then maybe posting the question there would bring back some good results. |
I have never grown any tomatoes hydroponically, but the most productive tasty tomato I have grown in my garden has to be Mule Team. The second would probably be Burgundy Traveler. |
- Posted by animus_divinus none (My Page) on Mon, Jun 27, 11 at 7:39
well i guess that gives me a lot of plants to try... hydroponics is going to be something worth learning since one way or another im going to scale this up enogh to keep me and my future family fed... though by then i hope to have a big chunk of land, and intend to build the house with a southward facing wall in an open area to build a green house onto attached to the main house with a door in the kitchen imagine walking into what would normally be your pantry, and instead its a hydroponic green house with all the fresh fruits and veggies you could ever want?... thats my long term goal, so im doing a lot of smaller stuff for now first |
- Posted by springlift34 8 (My Page) on Wed, Jun 29, 11 at 22:17
I am thinking 2 thoughts. 1. Big Beef as far as your needs are concerned. 2. Hydroponics are prolific, but do they truly represent the tomato plants potential taste-wise? This is a tough question. Due to the water on second thought, some may say your answer is in the Earth. I do not know your land layout. |
Rosa de Berne if seed savers haven't screwed it up is an excellent choice. It was always high yielding, rich flavored and medium sized. I have seen ones people call that and do not appear or taste like the ones I got from Europe in the early 90's. |
- Posted by ParadigmDennis 5 (My Page) on Sat, Sep 22, 12 at 17:04
I'm always amazed by the folks who write "Hydroponics doesn't taste as good" but have not grown Hydroponically. Do it then tell me what you believe. I've been growing corn tomatoes and peppers for years, indoor, and am absolutely happy with the results. I'd eat my food before any outdoor garden or store bought product. To:animus_divinus: The answer is yes and it will taste awesome. I know this post is a year old. so hopefully you've already tried... What are your results??? |
- Posted by yumtomatoes 10a/FLA (My Page) on Sat, Sep 22, 12 at 18:50
Rutgers and Marglobe were average tasting at best when I grew them. |
- Posted by deetherpee none (My Page) on Fri, Oct 5, 12 at 1:31
Better Boy hybrid |
- Posted by miesenbacher 7 (My Page) on Fri, Oct 5, 12 at 12:47
Bingster, How you doing bud. Glad to hear your had a good crop as ALWAYS:). Don't send him to TIMMY1, when he see's his plants loaded with fruit he will be hooked!! Ami |
- Posted by butchfomby (email@example.com) on Tue, Mar 25, 14 at 18:46
i vote better boy too....but other large varieties are not that far behind when everything is right....trying mountain pride this year, a 3 or 4 ft bush tomato about 10 oz size, just plant and pick, no pruning....will start at different times for continuous production...i think i have some bush champion seeds too....need large strong cage for better boy...the indian |
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Registration is closed
10:00 a.m. - 12:00 p.m. | College Fair Speak with faculty and students who are ready to answer your questions. |
10:00 a.m. - 1:30 p.m. | Student-led Campus Tours All tours are walking tours. Please dress for comfort. |
10:00 a.m. - 1:30 p.m. | University Fair Meet professional staff and students from student service departments from a variety of clubs and organizations. |
11:30 a.m. - 1:30 p.m. | Complimentary Boxed Lunches available. |
1:00 p.m. - 2:30 p.m. | College Breakout Sessions Hear from the dean of your college and break into smaller groups by major, including University College for students who are undeclared. |
The day is planned so that you may participate in the options that are most important
to you. If you choose to attend a college breakout session,
you will be on campus until approximately 2:30 p.m.
To see our visit calendar for the month of April, click here!
For door-to-door directions, put the following address into your GPS system:
1 Lincoln Almond Plaza, Kingston, Rhode Island or click here for directions.
For information on local accommodations, please visit the South County Tourism Council.
If you have a disability and need an accommodation, please call (401) 874-7100
at least three business days in advance.
For TTY assistance, please call R.I. Relay Service at (800) 745-5555.


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Finalist: Shelly Miller
A Dusty Road to Friendship
Squeezed together on the bench seat of an old van, Speciose and I couldn't help knocking into each other as we bounced over potholes, swerved around pedestrians crowding the red clay roads of Kigali, Rwanda. She speaks Kinyarwanda to someone on her cell phone, clothed in vibrant African dress, hair braided like a piece of art.
I only know one language and this woman, living in a third world country, can speak four. I am one of several visiting Americans shifting through her world, fascinated by her skill in translation and bartering.
We eat lunch at separate tables on a crowded terrace overlooking the metal roof skyline of the city. I notice a faraway look; she picks at her food quietly. It leaves me curious.
On my last day in Rwanda, during a final embrace she reveals what haunts her. "The children are starving and we have no way to feed them. Do you think you can help," she asks hesitantly.
I accept the challenge and together, over five years, we manage to help sustain eighty children – orphaned in the genocide and living in a village of child-headed households. Her courageous question is the seed for our blooming friendship.
Years later, on her first visit to America she sleeps in my guest room, soaks in a bubble bath for the first time. We share concerns for our children, laugh about picking up after our husbands, shop at Target. Surprised by what we share in common despite our individual circumstances.
Last fall, I find myself seated across from Speciose sharing a meal at her own dining room table, surrounded by her three children. I am thankful for that courageous question those years ago.
Shelly Miller is a freelance writer in Pawleys Island, South Carolina where she lives with her husband, daughter, and son. You can read more of Shelly's writing at Redemption's Beauty.
Read more entries and vote for your favorite in our Simply Stated Blogger Contest.


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Off Topic: Can We Get SSA To Go For This?
Take a look at this report from Mark Kleiman on a proposal by the European Commission to ban the wearing of neckties by its employees during the summertime as a means of saving money on air conditioning. Can we get Social Security to go for this, maybe even banning male attorneys representing Social Security claimants from wearing ties to hearings during the summer?
Labels: Off Topic


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Nob Hill + Russian Hill
Scarlet Huntington
San Francisco, CA, 94108, United States
Formerly Huntington Hotel & Nob Hill Spa
Originally a Georgian-style luxury apartment building constructed in 1924, the 12-story Huntington Hotel is located atop Nob Hill, which offers views of the bay, the downtown skyline, Grace Cathedral, and Huntington Park. Each of the 136 guestrooms is individually decorated, but all include antique dark wood furniture and plush fabrics such as damask and velvet. Also, because they were initially apartments, the rooms are spacious and thick-walled. Additional hotel features include the Big 4 Restaurant, which serves contemporary American cuisine, and the Nob Hill Spa. Free to guests, the spa has an infinity pool, fireplaces, saunas, and 10 treatment rooms.
Room to Book:
For the most impressive view, request a room on the fourth floor or above overlooking Huntington Park's lush landscape and fountains.
Insider Tip:
The spa has a fitness center, but you can also attend a donation-based yoga class held every Tuesday at 6 p.m. in the indoor labyrinth of nearby Grace Cathedral.
Open / Closes- Adjoining Rooms
- Accessible by Public Transportation
- Business Center
- Childcare
- Concierge
- Dry Cleaning
- Family Friendly
- Gym/Fitness Center
- Handicapped Accessible
- Laundry Service
- Meeting Room
- Maid Service
- Parking Available
- Room Service
- Spa
- Turndown
- WiFi
Number of Rooms: 136
Number of Suites: 36
Year Opened: 1924


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New Roofs Contractor in Portland, Oregon
- Family-owned and operated
- Serving Portland Metro and the nearby areas
- Lifetime warranty on every roof
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- Customized roofing system for your home or business
If you are you looking for a reliable roofer in Portland, Oregon, then you have reached the right place! At Dial One Roofing, we can show you what perfect roofing looks like. Providing quality Portland roofing since 1979, we are one of the most trusted roofing companies in Portland, extending to the Great Northwest. Because of your unwavering trust, we are the top choice for many business establishments like restaurant chains, banking institutions, strip malls, and more.
We mean it when we say, "Quality Roofing That's Guaranteed!" It is our mission to deliver quality roofing products and services that are proven to last. Our vast experience in the roofing industry enabled us to make homes improve indoor air quality, reduce energy bills, and give you cooler summers and warmer winters! Our top priority is to give 100% customer satisfaction and be the best example of integrity.
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Providing quality Portland roofing since 1979, we have been known as one of the best roofers for providing a wide array of services that adds value to one's home. Whether you are trying to fix a roof leak, install new skylights, add a sunroom, or change the color of your siding, we have the right solutions customized for your needs!
Roofing products are never 'one size fits all'. Every environment has a different installation method. Installing roofs at the Coast requires metals that will not rust, and additional protection against driven rain. Mountainous areas require ice protection products, and planning against ice dams. Dry, open areas require protection from occasional high gusts. And while the obvious answer is to build them all the same, with protection over protection, even that can be a bit too much in terms of cost. Sometimes it may even be better to consider a different type of roofing material such as metal roofing, flat roofing, or composition roofing.
Roof Repair Service Within Portland and Nearby Areas
Having spent years in doing roof repairs, we understand how frustrating to see water leaking down from the ceiling. Others might think that the problem would just go away once the rain passes. But slowly, water accumulated in the ceiling causes the wood to rot and provides an environment where molds can grow and invade your home. It takes an experienced roofing contractor to pinpoint all of the possible problems that may be showing up down the road.
There are also times when you direly need a repair team to fix roof leaks, skylights, and siding. During those times, you can count on our 24/7 emergency repair dispatch. Our technicians don't only give temporary solutions, but with guarantee. And when we warranty your roofing job, it is warranted for all labor plus the materials. For warranty and guaranty information please contact us at 503-224-7663.
When you're looking for an all-around and knowledgeable roofer, only Dial One Roofing has the experience and materials to immediately repair your existing roofing system, eliminate leaks, and replace shake roofing. We proudly serve Portland Metro and our surrounding areas including Lake Oswego, West Linn, Oregon City, Sherwood, Gresham, Tigard, Milwaukie, Wilsonville, Lake Grove, Woodburn, Salem, Hillsboro, Tualatin, Beaverton, Multnomah County, Vancouver, Clackamas County and Washington County.
Click Here for EMERGENCY SERVICE or CALL (503) 224-7663


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See your green on these designs right now!
Enter your colors here, then click the icon below any design to preview it in your colors.
Recommended Just For You
Customer Raves & Reviews
Monogrammed Spots Save the Date Magnets Details were perfect color was right on quality was amazing and we received one for a keepsake
Perfect :)
Monogrammed Spots Save the Date Postcards These save-the-dates were perfect - cute and fun, but still a classy way to send out your info! The online proof is EXACTLY what the real product turns out to be!
Monogrammed Spots Save the Date Magnets I ordered my save the date magnets with magnetstreet.com. I was a little worried at first because they arrived a tad bit late, however once I saw them I was amazed. I chose the mini magnets because you can get more for your money and it was worth it. The good thing about the delivery was they kept me updated with what was going on with my order thru email. UPS even sent an email notifying me of the exact date after the promissed due date had passed.


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Classic, Durable Garage Flooring
Say goodbye to oil spots, stains, and unsightly cracks in that slab of concrete beneath your cars. But while big-box garage flooring kits tended to peel and crack, our polyaspartic /epoxy garage floor coatings actually seep into and bond with the concrete– making your new garage floor virtually impervious to damage. We take great care to prepare each garage floor – using commercial grade grinders – prior to application. It's all about the prep! Then the base coat is applied, followed by the color flecks and clear coats. And voila! Your garage floor is beautiful.
Polyaspartic Garage Flooring is:
**3X more abrasion and impact resistance than epoxy/urethane
**Superior stain, chemical and UV resistance with no hot-tire pick up
**Exceptional color and gloss retention
**Does not support bacterial growth
**Excellent bonding properties
**Fast cure — hours, not days
**Easy to clean
Call us @ 314-308-7780 for a free consultation and samples!


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Procter & Gamble is voluntarily recalling some of its dry dog and cat foods. The company says they may be contaminated with Salmonella. The affected brands include various types of Iams and Eukanuba.
In a release, P&G says:
These lots were distributed in the United States and represent roughly one-tenth of one percent (0.1%) of annual production. No Salmonella-related illnesses have been reported to date in association with these product lots.
For young children fighting serious illnesses and practically living in a hospital, life can be very ruff, er, rough. Studies show interacting with animals boosts spirits and helps patients heal. Now Cincinnati Children's Hospital Medical Center is building a Family Pet Center to reunite long-term patients with the own pets.
The hospital says it is the first pediatric hospital in the country to build such a facility.


text: Now this is what I like; random ass fire that just exists to get you hype. You not up on HWLS? I wasn't either, and when I did get turned onto them, I was pissed I missed it. HWLS is a collaborative project from Ta-Ku and Kit Pop; they've so far released two other tracks, appropriately titled "001″ (with B.Lewis) and "002″ (with LAKIM), but while all three have that future hip-hop sound to them, there's something about the ESTA-collaboration "003″ that has me thinking this project is really going places. Maybe it's the fact that those thumping thuds used as kicks really open the spectrum of "trap" up. Or just the obvious turn up in those horns. Whatever the case may be, color me convinced. And desperately in need of their EP.


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Shaw offers a variety of online tools to help you discover the perfect floor. Our product catalogs give you the ability to browse carpet, area rugs, hardwoods, carpet, tile and stone and our versatile resilient flooring. Our catalog allows you to refine your search based on the criteria that matters most to you. Search for carpets by color and style, hardwoods by species and shade; you even have the ability to browse our laminate products based on finishes such as smooth, textured and even hand-scraped looks. Thumb through our tile and stone catalog to find the perfect floor or wall tiles and even decorative accents. Looking for a casual or a traditional area rug or maybe a specific size or shape? With our extensive collection of area rugs you are sure to find the one that is perfect for you. Our resilient search options allow you to browse sheet flooring or tile and plank options.
Visualize the perfect floor with our Try on a Floor tool. You can see multiple flooring options in our beautiful rooms and even upload your own photos to see how our products look in your home! Order samples of our carpet, hardwood and laminate products and have them delivered to your door. Best of all, you won't even have to leave the comfort of your own home. In addition to these great tools you can also find a retailer, apply for credit and create a My Shaw Floors account and save favorite products, designs and retail locations.
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Learn all about the basics of flooring in our tips, trends and care section. Want to know the difference in solid and engineered hardwood, or how about the difference in patterned and textured carpet? Explore informative articles and get answers to your questions about flooring care, installation, your warranties and more. Learn about carpet pad and underlayment options for hardwood and laminate. Be sure to visit tips, trends and care to learn more.
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