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Recent comments
- Brenda
- April 18, 2012 - 14:40
This project would look a lot less like "affordable housing" if someone revisited the colour scheme - a more harmonious colour palette without garish hues such as lemon yellow and purple would give a much more upscale look. The black does not work on such a large building. The colours detract from the building and make it look "cheap".
- James
- April 18, 2012 - 10:38
Wanda I beg to differ with you. Not all seniors who live in these places are wealthy. Some of them yes, but most of them worked damn hard through their working years so they can relax in their golden years. Growing up let me tell you I as not a wealthy child, my dad worked as a truck driver and my mom was a babysitter in her own home. My dad worked for 35 years without missing a day, ya they sacrificed a lot to ensure they were not a burden on their son when they both got to retirement age. When my dad retired he got 15$ a hour that was after 35 years of work, he got no severance package from the company only his company pension. Mom babysat 2 kids and she was paid 600 a month. So please before you state that large newer senior's buildings are only for the elite and rich of society, I suggest you and anyone else, actually get your facts straight. In fact with 100% certainty I can tell you that at 1 specific seniors home that 98% are not wealthy.
- Wanda
- April 18, 2012 - 10:19
SCARED, your last sentence is just not so. The apartments in all those large expensive Seniors' Buildings are paid for by the tenants themselves , so obviously they are for the rich only. The ordinary citizen like myself who receives only OAS and CPP are struggling along on a daily basis just to survive. We are not all living off the backs of other people. I worked over forty years.. WELL, there are people in my apartment building that are really abusing the Social Services System and are living to the best even though they are spending most of their money from Welfare on cigarettes and beer and alcohol. They also get food from the Food Banks delivered to them. Most of them didn't work a day in their lives. What's fair....absolutely nothing, except for the wealthy, or anyone who knows how to abuse the Welfare System inside out and upside down.
- Brett
- April 18, 2012 - 10:48
Who are these magic "wealthy" that keep popping up in the conversations here? The only people I know who are "wealthy" have managed to live within their means for a long number of years, and built up their capital before investing. They work long hours, work through weekends, and spend a large part of the social time networking and developing their businesses. Scapegoating the wealthy isn't going to help solve the problems. The issue is about making people who are not "wealthy" "wealthier" so they can afford the things they want. That's not a bandaid-able problem.
- Brenda
- April 18, 2012 - 12:18
Food banks deliver? You seem to have some intimate knowledge about your neighbours' finances and background. Do you go through their garbage bags and peer through their windows when you're not passing judgement from your high horse?
- April 18, 2012 - 19:40
WANDA, I have been volunteering with food banks for 20 years, and we do not deliver. I don't know where you get your information, but you should look deeper into it. Every system is abused by a few, the majority in social assistance are needy, believe me, I have worked with it for a long time. And again, we do not deliver.
- scared
- April 18, 2012 - 08:53
I'm single & in my 50's, been in the work force for 35 years, can't retire until I'm 67 & I'm scared to death that I'm going to end up homless. As it is I can barely afford to eat. All monies seem to be going to make seniors more comfortable on the backs of everyone else.
- fabian connors
- April 18, 2012 - 12:56
its a pox on their house to suggest that most of these seniors , let me tell you that as a man who just turned 60 [ can you believe the faboulas fabe connors is 60 , christ i lok 35 and feel like 16 ] anyhow back to these yahoos . look i was born in pippy park , i79 mount scio rd ., and me father stil lives there, he is only 90 , drives his car every now and then. if he din,t live there , think of the cost of friggging rent , or purchase he would . look we got the oil now so the cost of housing has gone up exponentially, it goes with the territory. i will be home in 2014, and will be looking for a rematch with dave pritchard,[ from the blackhead ] see you soon dave ,ha, ha, fabian martin august power connors....
- Unfair taxation
- April 18, 2012 - 08:14
My 2 unit house has 1 water line and 1 sewer line, yet I pay for two services, and to add insult, income tax on the money I must charge my tenants to recoup that cost.. Council's taxation policy adds $50 a month to the cost of an apartment just on the water bill alone. Perhaps they could explain that?
- reality
- April 18, 2012 - 09:06
You are being taxed on usage by 2 dwelling units, not on the amount of water lines. That tax also covers duplicate services like garbage collection. Suck it up, you are getting treated the same as every other MDU in the country.
- Reality check
- April 18, 2012 - 12:35
To Reality: This situation is not as clear-cut as you state. The tax model used by St. John's and many other municipalities is based on units instead of usage (probably because it is more palatable to tax someone with an apartment). However, there are many single family homes that have higher water usage than two apartment - for example an elderly couple with a student in their basement apartment. Many times these people are using the rent to supplement their fixed incomes. Why is the budget focus of the City of St. John's always revenue generation (read increased taxation) instead of cost control? I suggest Unfair Taxation should consider passing along the apartment portion of tax increases to the tenants (either have them pay their own water tax or add a clause providing for rent increases tied to property tax increases). In this way the tenants know that the landlord is not getting any richer, and the focus of the tenants' wrath is focused where it should be; with the City.
- April 18, 2012 - 19:36
UNFAIR TAXATION, you are doing your income tax wrong if you are paying tax on that charge, you can deduct that tax from rental income, as well as any other expense before taxation. Get another accountant, or learn to do the tax, you are not taxed on the expense, only the income after all expenses.
- well
- April 18, 2012 - 08:14
leah another problem is to get an appartment will cost you a morgage payment anyway,and when it comes to Social Service recepients ,I have seen what recepients get for rent, its about time for our goverment to bring it up to the cost of living. Example I know a man that is on the system due to sickness, pays his rent , they pay for most ,not all his drugs , then have the gawl to give him 60.00 every 2 weeks to live on ,and our goverment wonders why people are hungary
- Leah
- April 18, 2012 - 07:29
"Affordable" half-decent apartments certainly are very scarce. Social Service recepients can get cheap rentals with everything included, but it's the little above low income working tenants that really get the blunt of finding an affordable home. Then there's the advertisements for all those very expensive Seniors' Buildings that say "Nothing but the best for our Seniors".....absolutely laughable, as well as frustrating. Try going there to fill out an application if you are not rich enough to afford one, then see how little they care about the best for our seniors. I am in my mid-sixties and not in good health and I certainly do not have "the best for our seniors" after working over thirty-five years. The bottom line is money and profit. Who really cares about anyone living below the proverty line and cannot find an apartment????


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TRIPOLI - Arriving traumatized, without possessions and having lost relatives, the number of Syrian refugees fleeing two years of bloodshed in their country has reached the one-million mark.
"The situation is very bad for us, Bushra, a hijab-clad Syrian mother, told Reuters Wednesday, March 6, as she waited at Lebanon's main registration center in the northern Lebanese city of Tripoli.
We can't find work.
Misery of Syrian Refugees (Watch)
Muslims Rally Aid for Syrian Refugees
Syria Refugees Shiver in Freezing Cold
The Plight of Syrian Refugees (Help Now)
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"I live with 20 people in one room. We can't find any other house as it is too expensive, said the 19-year-old mother of two, who registered as the millionth Syrian refugee.
We want to return to Syria. We wish for the crisis to be resolved."
The United Nations refugee agency said Wednesday the number of Syrians who fled their country reached one million.
Around half the refugees are children, most of them aged under 11, and the numbers leaving are mounting every week.
"With a million people in flight, millions more displaced internally, and thousands of people continuing to cross the border every day, Syria is spiraling towards full-scale disaster," UN High Commissioner for Refugees António Guterres said in a statement.
"We are doing everything we can to help, but the international humanitarian response capacity is dangerously stretched.
In addition to the refugees, more than two million of Syria's 22 million people have been internally displaced.
UNHCR said more than four million Syrians need humanitarian assistance.
The UN refugee agency said the number of Syrians quitting their country has increased dramatically since the beginning of the year with more than 400,000 - nearly half the total - leaving since January 1.
Most have fled to Lebanon, Jordan, Turkey, Iraq and Egypt and some to North Africa and Europe, arriving traumatized, without possessions and having lost relatives, it said.
This tragedy has to be stopped," said Guterres.
Syrians started trickling out of the country nearly two years ago when President Bashar al-Assad's forces shot at pro-democracy protests inspired by Arab Spring revolutions.
The uprising has since turned into an increasingly sectarian struggle between armed opposition and government soldiers and militias.
An estimated 70,000 people have been killed.
Adding to their plight, many Syrian refugees are unable to find jobs in host countries to feed their children.
"I've looked for work (in Lebanon) but there is none, Ghasssam Mahmoud, a mechanic, told Reuters.
Mahmoud had brought his two wives and 12 children from the northern Lebanese province of Akkar to the refugee registration center in Tripoli after failing to find a job.
When it comes along, I'll do it," said Mahmoud, who had escaped Khan Sheikhoun in Idlib province.
The Syrian father had waited for two months to be registered due to the backlog.
Several hundred families, mostly women and children, sat behind Mahmoud waiting to be registered.
Sixteen offices made of wood and plastic have been built where the families are interviewed. Some have high walls to protect the identities of victims of sexual abuse.
Lebanon, whose population is only four million, hosts the highest number of refugees, with arrivals doubling to 4,400 a day in the past three weeks, UNHCR representative in Lebanon Ninette Kelley told Reuters.
Including Syrian workers and self-supporting Syrian families, one in five people in Lebanon is now Syrian.
Despite pledges of $1.5 billion by international donors for a UN response plan to help Srian refugees, only 25 percent has been funded, UNHCR said.
In Jordan, a country of six million, the refugee influx has strained energy, water, health and education services to the limit.
Turkey says it has spent more than $600 million setting up 17 refugee camps, with more under construction.
But Fuat Oktay, president of the country's disaster and relief management body, AFAD, said on Wednesday the overall cost of caring for the refugees was closer to $1.5 billion.
There is no end in sight to the conflict in Syria, which has divided world powers.
Russia and Shiite Iran support Assad, while the United States, along with some European and Sunni Muslim Gulf Arab nations back a fractured opposition.Damascus and some of its opponents have said they will consider peace talks, but no meetings have been arranged.
Reproduced with permission from OnIslam.net

subset: commoncrawl


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Business Calendars
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Nathan Hendren Seminar
Date Mar 26, 2013
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Originating Calendar Center for Business and Public Policy
Nathan Hendren is a Associate of the Department of Economics at Harvard University.
Nathan will present, "Private Information and Insurance Rejections". (download paper)


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My first experience with this delicious treat was on my honeymoon in the magical city of Paris - known globally as the city of lights, but to me it was the city of good cheese, perfect pastries, and fantastic wine. Chris and I were searching out some goodies for a late evening picnic on the Champs du Mars. Our plan was to have a fromage & charcuterie plate while watching the lights on the Eiffel Tower. The concierge at our hotel steered us to a bakery that was a must try while in Paris – La Duree. Evidently they are famous for their macarons. When I heard that word, I thought about those coconut cookies that are sometimes drenched in chocolate. Sounded like a treat!
Upon arriving at said bakery we were greeted with a line out the door and a wait of about 30 minutes just to get inside. All the while I was wondering, "Is the coconut really that much better in France??" When we finally entered, we were greeted by the sweet smell of chocolate, vanilla, pistachio, and some I couldn't identify but knew I would like. We saw rows and rows of those jewel-like delicacies in a variety of colors. I happily pointed at the ones I wanted and they wrapped them all up in the signature green La Duree box, similar to that signature blue box we all love so much. These tidbits would almost make me choose the green box over the blue box – almost.
La Duree was definitely something that needed to be documented and remembered. I started taking photos over the counter and got one recorded before a young man came rushing over gesturing wildly and speaking in French. Confused and watching intently trying to decipher his sign language, I finally determined that photos were not permitted. A few days earlier, I had my camera confiscated at the Moulin Rouge so I politely put my camera away as a means to keep it in my possession. Later that night while watching the lights on the Eiffel Tower and sipping champagne, we had our first bite. It was to die for – perfectly crunchy and chewy at the same time. I couldn't imagine how that texture was possible and at the time, it didn't matter.
Fast forward three and a half years: I was in another magical place – South Coast Plaza, relaxing and touring around one of my favorite stores, Sur La Table. I was sure that there was something I was in need of for my kitchen. Then, I saw it, an advertisement for a class on making macarons. Was it finally time I could get that flavor and texture out of my own kitchen?!?! Time and again I had heard the warnings about how these cookies will vex you if everything isn't perfect. You need the right temperature, just enough humidity but not too much, don't over mix, don't under mix. I had heard it all. If I believed all the horror stories, I would have thought that only the French could make these cookies and only in France. But I had come a long way from that first dinner, so I was ready. I registered right there and started waiting.
Four anxious weeks later, I was there in that beautiful locale again. Upon arriving I noticed that the skinniest girls in the room were the pastry chef and her assistants. I was suspect. You know what they say – never trust a skinny chef. I'm sure they were very nice, but how could those girls know anything about butter, cream, and sugar? How could they do any taste testing and remain a size 2? Could they really know how these extraordinary treats were supposed to taste? But I had paid my money and made the trip to Costa Mesa in 405 traffic. I decided to stay and see if Chef Katie was what I had been promised. As it turned out, she knows her stuff. I apologize for ever doubting her.
To begin, we gathered all of the ingredients. These included almond flour, egg whites (not even yolks!), and some sugar. In case you are keeping track, those ingredients are all gluten free! Doesn't that make them healthy?
First, equal parts of almond flour and sugar were sifted 3 times through a fine mesh sieve to ensures a smooth texture. The egg whites are beaten to stiff peaks and added to the flour mixture. After that, the stirring begins, and continues and continues and continues. Finally the necessary consistency was achieved.
Next comes the piping – 36 perfect one inch circles in all, piped one handed onto parchment. This was so much easier than the stirring. Before baking, the discs needed to experience the right humidity for about 15 minutes to get the skin. This skin becomes that crunchy outer layer that is critical to the experience of eating the macaron. When they finally went into the oven, there was the filling to tackle. (Who thought this class would only take 3 hours?) The filling was markedly easier than the macarons themselves. Filling involves another piping bag. I know from experience if you don't wait for your cookies to cool before you pipe the filling, your butter cream WILL melt. Don't be like me – don't pipe cold filling onto hot cookies. Trust me, it doesn't work.
In the end it was all worth it. It brought back those memories from La Duree. The texture was perfect – a little crunchy at first, then perfectly chewy. There really isn't anything like it. I came home to Chris exhausted but smelling like sugar & chocolate, and best of all, toting leftovers.
The next feat will be making these in my own kitchen. I haven't had the courage yet, but I will. Soon. I'm craving that texture as you read this.


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Just wanted to let you know that the order of ceramic tiles that I mentioned arrived and I am thrilled! It all worked out just fine and the tiles are beautiful! Love the colors! I've tried pricing them and I feel like I got a pretty good price. They're not frost proof, but I've already resolved to the fact that I'll have to bring the sphere in for the winter anyway so I'm ok with that. |
Here is a link that might be useful: American Olean Brights
Follow-Up Postings:
Ooh, looks like you got the green apple? I love that color. But yikes, is it really $115 a case? Regardless, enjoy! What fun! |
- Posted by Imsunflwr1 (My Page) on Thu, Aug 18, 11 at 20:18
Yes, it is but Mosaic Studio Supply sells similar (if not the same tiles) for $15.75/sq ft = $196.88/carton (and WitsEnd's ends up being $23.31/sq ft! Also the shop in Chicago could have ordered it for me, but that would have been $191.25/carton so I thought it was a pretty good price. The 2 larger tiles are the Crossville "Color By Numbers" that I drove into Chicago for. I nipped up a yellow tile this afternoon for petals. What do you think? |
OMG I absolutely love it! What you've done is exactly why I love the 4" ceramic tiles. You can play in a way we can't always do with the little 3/4" vitreous. I think that sunflower is going to be adorable. What are you going to put it on? And you did that with standard nippers or the wheeled ones? I've got standard nippers, wheeled nippers, then this nipper that scores the tile first then you break the tile along the score line. I've tried all three on ceramic and I think the scoring one worked best, though often when trying to make shapes like this sometimes they crack where I didn't want them and I've got to start all over. Did that happen with any of yours? Can't wait to see what you do with this! Oh, and not sure if you thought about this, but I've used my Dremel to smooth down the edges. It works really good, depending on the effect you're looking for. |
- Posted by Imsunflwr1 (My Page) on Thu, Aug 18, 11 at 21:06
Thanks Lori! I have the nippers you mentioned. I used my tile cutter to cut the 4x4 into strips. Then drew the petals with my Sharpie and used the wheeled nipper to shape it. That's my favorite nipper. Great idea about the dremel. I have one, but have never used it. The sunflower is for my sphere fountain. I want to do an allover floral with late summer flowers and bugs! LOL! At least that's the plan. I'm going to do the sunflowers first then see what else will go where. Unfortunately I'll have to chop up the bowl footers so they'll lay flat against the sphere. |
- Posted by slowmedown (My Page) on Fri, Aug 19, 11 at 8:44
What beeeeeeeuuuuuuutiful colors. Love what you've done already, and am sooooooo anxious to see WIPs of your fountain. I was doing a little searching last night - Googling alcohol inks. This is an effort to make some nice colors on some of the white tiles I have on hand. Have y'all done any alcohol ink colorings? Some on Flickr are using them, and it looks interesting. |
- Posted by Imsunflwr1 (My Page) on Fri, Aug 19, 11 at 10:39
Thanks Slow! I've never heard of alcohol ink, but looked it up on YouTube and watched a few interesting tutorials. Looks like fun with lots of potential! |
- Posted by Imsunflwr1 (My Page) on Fri, Aug 19, 11 at 13:31
Hey Lori! It worked! I bought this tile cutter (Amazing Tile & Glass Cutter) online and it showed it could cut wavy lines. All the broken tiles up top were my first attempt... I scored some relief cuts and it worked out just great! It was hard to see my pattern so I didn't score exactly on the line, but it broke right on the scoreline and that's what counts. One thing I learned is to score from the top down and I think I need to press a little harder when I score. Will practice more... Have you used yours yet? |
Oh, I don't know how I missed this last comment! My apologies! To answer your question, I do have one of those cutters. I got it at our county fair, of all places. It's what I use to make curved ceramic tile cuts. It does work great. It is tricky to get those petals though. I kept chopping off the top grrrr. I love how you showed the whole tile and how you made the cuts. I'm not sure that's how I was doing it, but I will going forward. Yours came out beautifully! Oh, and I love the color! |
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MAC • Strange Potion (Venomous Villains) • Lip Gloss
(61 reviews)
Average Rating. | 4.4 |
Would buy this product again. | 77% |
Ingredients |
danceintherain55 on 9/1/2014 11:46:00 PM more reviews by danceintherain55
Age: 18 & Under Skin: Normal, Fair, Cool Hair: Blond, Straight, Medium Eyes: Blue
This was my HG lipgloss for the longest time. It has been retired to more of an occasional wear now, but it is still beautiful! I love the tackiness of MAC lipglasses and bye Venomous Villians packaging is to die for. If you can get your hands on this, do!
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*TOP REVIEWER* Cammmi on 7/23/2014 9:55:00 PM more reviews by Cammmi
Age: 30-35 Skin: Normal, Olive Hair: Brown Eyes: Brown
Really enjoyed this lipglass. Very subtle shimmers. I liked it a lot!
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pandagrl90 on 1/26/2013 10:06:00 PM more reviews by pandagrl90
Age: 19-24 Skin: Acne-prone, Medium, Warm Hair: Brown, Straight, Fine Eyes: Brown
This is my favorite MAC lipglass. It's a beautiful coral pink color in the tube, which translates to pretty much the same shade on my lips. It's almost nude in some lights, except it does have some nice sparkle. I own this in both the Venomous Villains and Surf Baby packaging. Unfortunately the Venomous Villains packaging picture rubs off after awhile. It is rather thick and sticky, but it stays on longer that way!
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lillybunny on 5/28/2012 11:33:00 AM more reviews by lillybunny
Age: 18 & Under Skin: Combination, Fair-Medium, Neutral Hair: Blond, Straight Eyes: Blue
I was away on vacation when I went to a CCO and saw this beauty. There aren't many places that I can obtain MAC (besides Macy's limited counter) but seeing this, I had to have it. I got it in their surf baby collection, and I must say, it is perfect for summer! It goes great on my skin (fair, neutral) and it isn't too much or too little color. The packaging is really cute, so I would definitely throw this in a beach tote. The smell is a bit of vanilla mixed with typical lipgloss smell. Overall, I would repurchase!
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*TOP REVIEWER* katemvirginia on 1/13/2012 1:49:00 PM more reviews by katemvirginia
Age: Unknown Skin: Acne-prone, Fair, Warm Hair: Blond, Curly, Coarse Eyes: Blue
I love this lipgloss. I can pair it with a number of lipsticks or wear alone. Would definately repurchase! NC20 for reference.
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makeupisthebest on 1/11/2012 10:19:00 PM more reviews by makeupisthebest
Age: 25-29 Skin: Oily, Tan Hair: Brunette Eyes: Brown
I got this with this yrs. surf baby collection not with the VV's collection but it is a gorgeous coraly pink shade.
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*TOP REVIEWER* starrysim on 1/9/2012 9:07:00 PM more reviews by starrysim
Age: 25-29 Skin: Normal, Fair-Medium, Cool Hair: Brown, Wavy, Medium Eyes: Brown
Strange Potion is a nice light but pigmented peachy colour that works even on my very cool NW20 skintone. It's comfortable to wear and doesn't settle into lines or look milky.
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MakeupFaces on 10/27/2011 3:39:00 AM more reviews by MakeupFaces
Age: 19-24 Skin: Normal, Fair-Medium, Warm Hair: Brown Eyes: Brown
I absolutely adore this! Not always a fan of MAC's lipglosses which is why I only own 2, this & Ember Glow. This is a beautiful shade of coral. It's not really sticky and very opaque. I never wear glosses on their own so I put on Fleshpot also by MAC first and slide this on top. It gives a beautiful pinky nude coral lip. I bought mine off of ebay for about 20-24$ (not sure because I can't remember) but I saw this at a CCO recently for about $10
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*TOP REVIEWER* ebidebby on 9/9/2011 12:48:00 PM more reviews by ebidebby
Age: 25-29 Skin: Combination, Fair, Cool Hair: Brunette, Wavy, Medium Eyes: Blue
Just like the reviewer before me, I got this at the Cosmetics Company Outlet, and I was so excited to find it!
I am pale with pink undertones, so finding a good coral is really tough for me. Strange Potion is just neutral enough to work! I like how it is fairly opaque, making it great for sprucing up my daytime look in a hurry. Normally, I wear a Mentha Lip Shine at work to keep my lips from drying out without any color, but sometimes, you need something extra. Right now, it's in my purse, just in case I need to meet someone right after work.
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Angelgurl12 on 8/9/2011 7:56:00 PM more reviews by Angelgurl12
Age: 18 & Under Skin: Combination, Tan, Warm Hair: Brown, Straight, Medium Eyes: Brown
I got this from a CCO while I was on vacation so it was only $10!!! Anyway, the color is really beautiful, lke a shimmery warm coral pink. The first time i applied it it looked rather strange :P it looked really overly pearly on my lips which was really weird. I tried applying it differently and the only way i can wear it is if a only use a small amount :( but thats ok, 'cause it looks really pretty, a coraly nude with slight shimmer!
Top Rated Lip Gloss
- 39 reviews
Dior DiorKiss-Snow Cherry
29 reviewsNYX Mega Shine - Tea Rose
36 reviewsLaura Mercier Violet Glace
35 reviewsChanel Glossimer - Giggle
162 reviews


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Nov 1, 2012 8:42 PM by KSBY (Staff)
The Santa Maria Police Department is conducting a DUI/Driver's License Checkpoint this Saturday. The department's traffic unit will be in charge of the checkpoint, which will take place between 6:00 p.m. and 2:00 a.m.
As drivers pass through, officers will look for signs of alcohol or drug impairment and check for proper licensing. Drivers who are caught driving under the influence of illegal substances are told to expect jail, license suspension, insurance increases, fines, fees, DUI classes, and other expenses.
In a press release, officials said the checkpoint will be placed in a location deemed to have "the greatest opportunity for achieving drunk and drugged driving deterrence and provide the greatest safety for officers and the public."
Research shows that alcohol-related car accidents decrease an average of 20% when checkpoints are publicized and conducted often.
Offensive or inappropriate comments are subject to removal. To report a comment, please e-mail us at email@example.com, and include the name of the story and information on the comment.
Thank you! KSBY.com
4 hours ago


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UK Weekly Chart: FIFA holds its ground
By Mufaddal Fakhruddin on January 4, 2012
EA's sports title manages to fend off Modern Warfare 3 for another week.
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FIFA 12 saw off the new year at the top of the UK weekly sales chart, fending off the forces of Call of Duty: Modern Warfare 3 and Battlefield 3, which came at the second and third position, resp.
Bethesda's Skyrim remained at the 8th position, while Mario Kart 7 and Forza Motorsport 4 both jumped levels to enter the top ten at the 9th and 10th positions, resp.
Here are the Top Ten:
2. Call of Duty: Modern Warfare 3
3. Battlefield 3
4. Just Dance 3
5. Assassin's Creed: Revelations
6. Saints Row: The Third
7. Need for Speed: The Run
8. Elder Scrolls V: Skyrim
9. Mario Kart 7
10. Forza Motorsport 4
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Showing All "Nick Diamonds" Posts
Nov 30th, 2012 1 Comment
El-P and Islands' Nick Diamonds are no stranger to collaboration -- most recently, see "Stay Down" from El's excellent Cancer For Cure, or that screengrab above from their joint stop by Letterman's…   Read Story »
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Today, the brand new Brooklyn-based label Young One announced its formation, and it's already got a small but seriously impressive roster: Bay Area cloud-rap pioneers Main Attrakionz, wide-eyed…   Read Story »
May 16th, 2012 6 Comments
At this point, it's pretty expected for every big indie rock type to make the late-night rounds whenever a new record drops. But there's still a transgressive charge to seeing El-P, patron saint of…   Read Story »
Jul 11th, 2011 3 Comments
Lead Island, ex-Unicorn, present Mssr. Heavenly Nick Thorburn has made good on his years-old promise to gift us with a free album, despite wondering along the way (and even this morning) about its…   Read Story »


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Mon, Jun 17, 02 at 19:42
from a workshop called "stone age gems". We worked on creating ivory and amber with an ancient feel. |
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I would like to solve a system of 9 nonlinear equations, with the constraints on all 9 variables to be that they are nonnegative. How can I do this?
My code is below - I am trying NLPSolve and have tried solve, but am getting stuck.
restart; eq1 := 531062-S/(70*365)-(.187*(1/365))*(H+C+C1+C2)*S/N = 0;eq2 := (4/365*(T+C))*S/N-(.187*(1/365))*(H+C+C1+C2)*T/N-(1/(70*365)+1/(5*365))*T = 0; eq3 := (.187*(1/365))*(H+C+C1+C2)*S/N-(4/365)(T+C)*H/N-(1/(70*365)+1/(4*365))*H = 0; eq4 := (.187*(1/365))*(H+C+C1+C2)*T/N+(4/365*(T+C))*H/N-(1/(70*365)+3/(8*365)+.2*(1/365)+.1)*C = 0; eq5 := .1*C-(1/(70*365)+1/(4*365)+1/60+.5)*C1 = 0; eq6 := (1/60)*C1-(1/(70*365)+1/(4*365)+1/210+.5)*C2 = 0; eq7 := .5*C1-(1/(70*365)+1/60+0.1e-2)*CT1 = 0; eq8 := .5*C2-(1/(70*365)+1/210+(1/9)*(0.1e-2*7))*CT2+(1/60)*CT1 = 0; eq9 := N-S-T-H-C-C1-C2-CT1-CT2 = 0; soln := NLPSolve({eq1, eq2, eq3, eq4, eq5, eq6, eq7, eq8, eq9}, {C, C1, C2, CT1, CT2, H, N, S, T}, assume = nonnegative);
On page 32 (PDF)
Two different results were obtained using the Global optimization.
Log likelihood does not differ much. BUT the estimates vary a lot, such as mu[p].
When I tried to use one of the answer from a particular run, I get the HFLOATING error, see picture.
So how reliable is this? Could there be a better way to optimize this ?
As an additional note, if I have Matlab R2014a, could I use Matlab to optimize the target function? DO I need to purchase a seperate addon?
Hi all
I have the following segment of maple program which belongs to time delay systems dynamic. here C=X-X0-G.Z-X.Dtau.P+X.Dtau.Z-U.P, is a matrix(vector) which comes from reordering the system terms and my goal is to minimizing J:=X.E.Transpose(X)+U.E.Transpose(U), subject to constraint C=0, but i don't know how to do so.
I will be so grateful if anyone can guide me
best wishes
Mahmood Dadkhah
Ph.D Candidate
Applied Mathematics Department
restart: with(Optimization): with(LinearAlgebra): macro(LA= LinearAlgebra): L:=1: r:=2: tau:= 1: interface(rtablesize= 2*r+1): Z:= Matrix( 2*r+1, 2*r+1, [tau, seq(evalf((L/(2*(iz-1)*Pi))*sin(2*(iz-1)*Pi*tau/L)), iz= 2..r+1), seq(evalf((L/(2*(iz-1-r)*Pi))*(1-cos(2*(iz-1-r)*Pi*tau/L))), iz= r+2..2*r+1) ], scan= columns, datatype= float[8] ); Dtau00:= < 1 >: Dtau01:= Vector[row](r): Dtau02:= Vector[row](r): Dtau10:= Vector(r): Dtau20:= Vector(r): Dtau1:= LA:-DiagonalMatrix([seq(evalf(cos(2*i*Pi*tau/L)), i= 1..r)]): Dtau2:= LA:-DiagonalMatrix([seq(evalf(sin(2*i*Pi*tau/L)), i= 1..r)]): Dtau3:= -Dtau2: Dtau4:= copy(Dtau1): Dtau:= < < Dtau00 | Dtau01 | Dtau02 >, < Dtau10 | Dtau1 | Dtau2 >, < Dtau20 | Dtau3 | Dtau4 > >; P00:= < L/2 >: P01:= Vector[row](r): P02:= Vector[row](r, j-> evalf(-L/j/Pi), datatype= float[8]): P10:= Vector(r): P20:= Vector(r, i-> evalf(L/2/i/Pi)): P1:= Matrix(r,r): P2:= LA:-DiagonalMatrix(P20): P3:= LA:-DiagonalMatrix(-P20): P4:= Matrix(r,r): P:= < < P00 | P01 | P02 >, < P10 | P1 | P2 >, < P20 | P3 | P4 > >; interface(rtablesize=2*r+1): # optionally J:=Vector([L, L/2 $ 2*r]): # Matrix([[...]]) would also work here E:=DiagonalMatrix(J); X:= Vector[row](2*r+1,symbol=a); U:=Vector[row](2*r+1,symbol=b); X0:= Vector[row](2*r+1,[1]); G:=Vector[row](2*r+1,[1]); C:=simplify(X-X0-G.Z-X.Dtau.P+X.Dtau.Z-U.P);
Error, (in Optimization:-NLPSolve) invalid arguments
#XP:=-.015+X[1]+add(X[l+1]*f1(l)+X[r+l+1]*f2(l), l= 1..r): #plot([XP,T1], t= 0..1);#,legend= "Solution Of x(t) with r=50"):
Download work1.mwswork1.mws
In matlab software we have a command namely fmincon which minimizes any linear/nonlinear algebric equations subject to linear/nonlinear constraints.
Now my question is that: what is the same command in maple?or how can we minimize linear/nonlinear function subject to linear/nonlinear constraints in maple?
thanks a lot
I need to maximize two multivariate objective functions (f(x1,y1,z1,t1) and g(x2,y2,z2,t2)) with inequality and nonnegativity constraints (x1, x2>0 and y1, z1, t1, y2, z2, t2 >=0). I am looking for parametric not numerical solutions.
What is the best way to find the solution to such a problem using maple?
I am attempting to solve the following using C.Loves Logicproblem package. But i do not know how to tell it either/or constaints. being a circular arrangement might also throw a spanner in the works.
Alans Birthday Logic Problem
It is Alan's birthday and he is having a party. Seven other people will attend: Amy, Brad, Beth, Charles, Debbie, Emily and Frances.
Everyone will sit around the circular dining table. The seating arrangement must meet the following conditions:
• Amy and Alan sit together
• Brad and Beth sit together
• Charles sits next to either Debbie or Emily
• Frances sits next to Debbie
• Amy and Alan do not sit next to either Brad or Beth
• Brad does not sit next to Charles or Frances
• Debbie and Emily do not sit next to each other
• Alan does not sit next to either Debbie or Emily
• Amy does not sit next to Charles
Arrange the guests around the table to meet all of the conditions listed above.
Vars:= [Name,PN]:
Name:= [Alan,Amy, Brad, Beth, Charles, Debbie, Emily,Frances]:
Cons:= [NextTo(Amy,Alan,PN),NextTo(Brad,Beth,PN),NextTo(Charles,Debbie,PN),NextTo(Charl es,Emily,PN),NextTo(Frances,Debbie,PN),Rel(NotNextTo,Amy,Brad,PN),Rel(NotNextTo, Amy,Beth,PN),Rel(NotNextTo,Alan,Brad,PN),Rel(NotNextTo,Alan,Beth,PN),Rel(NotNext To,Brad,Charles,PN),Rel(NotNextTo,Brad,Frances,PN),
read "LogicProblem.mpl";
Birthday:= LogicProblem(Vars):
Following previous question at
and also
I wrote the following code
restart:gama1:=0:phi0:=0.00789:rhocu:=2/(1-zet^2)*int((1-eta)*rho(eta)*c(eta)*u(eta),eta=0..1-zet):eq1:=diff(u(eta),eta,eta)+1/(mu(eta)/mu1[w])+((1/(eta-1)+1/mu(eta)*(mu_phi*diff(phi(eta),eta)))*diff(u(eta),eta)):eq2:=diff(T(eta),eta,eta)+1/(k(eta)/k1[w])*(2/(1-zet^2)*rho(eta)*c(eta)*u(eta)/(p2*10000)+( (a[k1]+2*b[k1]*phi(eta))/(1+a[k1]*phi1[w]+b[k1]*phi1[w]^2)*diff(phi(eta),eta)-k(eta)/k1[w]/(1-eta)*diff(T(eta),eta) )):eq3:=diff(phi(eta),eta)-phi(eta)/(N[bt]*(1-gama1*T(eta))^2)*diff(T(eta),eta):mu:=unapply(mu1[bf]*(1+a[mu1]*phi(eta)+b[mu1]*phi(eta)^2),eta):k:=unapply(k1[bf]*(1+a[k1]*phi(eta)+b[k1]*phi(eta)^2),eta):rhop:=3880:rhobf:=998.2:cp:=773:cbf:=4182:rho:=unapply( phi(eta)*rhop+(1-phi(eta))*rhobf ,eta):c:=unapply( (phi(eta)*rhop*cp+(1-phi(eta))*rhobf*cbf )/rho(eta) ,eta):mu_phi:=mu1[bf]*(a[mu1]+2*b[mu1]*phi(eta)):a[mu1]:=39.11:b[mu1]:=533.9:mu1[bf]:=9.93/10000:a[k1]:=7.47:b[k1]:=0:k1[bf]:=0.597:zet:=0.5:#phi(0):=1:#u(0):=0:phi1[w]:=phi0:N[bt]:=0.2:mu1[w]:=mu(0):k1[w]:=k(0):eq1:=subs(phi(0)=phi0,u(0)=0,eq1):eq2:=subs(phi(0)=phi0,u(0)=0,eq2):eq3:=subs(phi(0)=phi0,u(0)=0,eq3):p:=proc(pp2) global res,F0,F1,F2:if not type([pp2],list(numeric)) then return 'procname(_passed)' end if:res := dsolve({eq1=0,subs(p2=pp2,eq2)=0,eq3=0,u(0)=0,u(1-zet)=0,phi(0)=phi0,T(0)=0,D(T)(0)=1}, numeric,output=listprocedure):F0,F1,F2:=op(subs(res,[u(eta),phi(eta),T(eta)])):evalf(2/(1-zet^2)*Int((1-eta)*(F1(eta)*rhop+(1-F1(eta))*rhobf)*( F1(eta)*rhop*cp+(1-F1(eta))*rhobf*cbf )/(F1(eta)*rhop+(1-F1(eta))*rhobf)*F0(eta),eta=0..1-zet))-pp2*10000:end proc:s1:=Student:-NumericalAnalysis:-Secant(p(pp2),pp2=[6,7],tolerance=1e-6); HFloat(6.600456858832996)p2:=%:ruu:=evalf(2/(1-zet^2)*(Int((1-eta)*F0(eta),eta=0..1-zet))):phb:=evalf(2/(1-zet^2)*(Int((1-eta)*F0(eta)*F1(eta),eta=0..1-zet))) / evalf(2/(1-zet^2)*(Int((1-eta)*F0(eta),eta=0..1-zet))) :TTb:=evalf(2/(1-zet^2)*(Int((1-eta)*F2(eta),eta=0..1-zet))):rhouu:=evalf(2/(1-zet^2)*(Int((1-eta)*(F1(eta)*rhop+(1-F1(eta))*rhobf)*F0(eta),eta=0..1-zet))):with(plots):res(parameters=[R0,R1]):odeplot(res,[[eta,u(eta)/ruu],[eta,phi(eta)/phb],[eta,T(eta)/TTb]],0..zet);
as you can see at the second line of the code, the value of phi0:=0.00789. however, I want to modify the code in a way that phi0 is calculated with the following addition constraint
evalf(2/(1-zet^2)*(Int((1-eta)*F0(eta)*F1(eta),eta=0..1-zet))) / evalf(2/(1-zet^2)*(Int((1-eta)*F0(eta),eta=0..1-zet)))-0.02=0
I would be most grateful if you could help me in this problem.
Thanks for your attention in advance
In MapleSim, it is possible to constrain a rigid body in a multibody system to an arbitrary constraint?
Similarly to how a mass at the end of a simple pendulum can only move along a circle defined by the length of the pendulum, I was hoping to constrain one to a shape like an ellipse or sine wave. I could then give it initial velocities and see how it would move along the shape over time.
I'd like to be able to define this constraint with an equation. ...
Hi all,
First of all, I would like to mention that I'm new to Maple, so please excuse my lack of knowledge.
I have a rather complicated expression, let us call it expr, and I have a constraint equation, let us call it constr = 0. I would like to simplify expr knowing that constr = 0.
Stupid example:
expr: 2*x+4*y+3
constr: x+2*y = 0
In that case:
expr = 2*(x+2*y)+3 = 2*0+3 = 3
How can I do that?
Thanks a lot.
Hello, I'm creating a rolling thin disk (rolling without slip) in the MapleSim, the model like the picture below (Fig. 1).
Hi people!Why there is not a "Modelica.Mechanics.MultiBody.Joints.RollingWheel" (different from 1-D mechanics rolling wheel) in MapleSim 5? It is previewed in the Modelica language and SystemModeler has this implementation.Is there a way to import the model o this joint from somewhere? If not, how could I model this non-holonimic constraint in MapleSim? Thanks!
I have a non linear Sharpe ratio with 3 portfolio weights w1,w2 and w2. I want to (globally) maximize the sharpe ratio by choosing w1,w2 and w2 subject to the constraints that each of the variables is in the range of 0 to 1, and that their summation is equal to 1. I also want the maximization to start at an initial point of [w1=0.35,w2=0.6,w3=0.05].
The function is:
SR:= (0.012w1+0.007w2+0.0384w3-0.009)/(stdev)
where stdev is the standard deviation of the portfolio ...
I'm having trouble maximizing this funciton:
S= (w1*E1+w2*E2+w3*E3)/(CoVar[1,2]), subject to the constraint w1+w2+w3=1
I need it to choose w1, w2, and w3 to maximize S
Does anybody know how to configure the model to obtain the position constraint equations of a slider-crank mechanism as:l1·cos(theta)+l2·sin(beta)-s = 0l1·sin(theta)-l2·cos(beta) = 0instead as obtained in the help-example on:http://www.maplesoft.com/support/help/MapleSim/view.aspx?path=MapleSim/Multibody/Kinematic_ExportsThanks in advance
Ok, when I run the below code which maximize the risk adjuested portfolio returns (long and short positions) in QP matrix form on empirical data I get very strange allocations ie we go 100% or 100% short in almost all stocks except for a few where the allocations are more appropriate like 0.2 etc.# Maximize Risk Adjuested Return Matrix Form# Minimize W'.Cov.W−W'.EV# R=Return MatrixEV := Vector([seq(ExpectedValue(Column(R, i)), i = 1 .. N)], datatype = float[8]):
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Hello, I have not been able to access the internet from my wireless desktop. I have a desktop hardwired to my router (frontier(ISP) provided) and we can connect w/ our wireless laptop and visitors can connect w/ their personal devices. The wireless desktop was taken to the shop for removal of the usual virus, malware etc. and I can see that they were able to connect to the internet because the norton program was updated. The wireless desk top shows a very good connection to the frontier modem but I cannot reach any sites. The repaire shop says that it's a router problem and frontier says that as long as I am showing a good connection to the router, it's a computer problem. The repair shop said that they could come out to fix it w/ travel time we would be looking at about $300.00 on top of the cost for the clean-up. The system is set up for a linksys connection (router) but frontier say's that that should not matter.
ANY ideas would be helpful.
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Wireless desktop can't connect to internet while laptop can
Wednesday October 24, 2012Registration date
October 24, 2012Last seen
- Latest answer on Oct 26, 2012 02:39PM
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- Why won't my computer connect to the Internet (Solved) » Forum - Internet
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- Connect but can not access the internet? HELP (Solved) » Forum - Network
it is os not supporting the type of password from u r wirelss router, change the OS xp to win7 or change the type of password from router config
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Saturday, March 31, 2012
10 Reasons To Consider A USDA Mortgage
Established in 1949, the USDA Rural Housing Loans program of the US Department of Agriculture has helped more than 2.7 million rural citizens the take advantage of the opportunity of to own a home. For over half a century, the program has formed partnerships with carefully selected lenders in each state. In turn, the lenders provide the loans with a repayment guarantee from the USDA, in case the loan should ever default. The USDA backing means that loans are less risky to mortgage lenders who can proceed with confidence and offer home financing to those individuals who meet the USDA Rural Development guidelines.
For those who qualify a USDA mortgage can offer many advantages over other home loan programs available in the marketplace. Here are 10 reasons to consider a USDA Rural Housing Loan:
1. In 2009, changes were made by the USDA in conjunction with the American Recovery and Reinvestment Act that make even more potential home-buyers eligible for this type of loan.
2. USDA Rural Housing loans are not just for farmers. Individuals wishing to buy a home outside of a metropolitan area may qualify for this type of loan program.
3. This is one of few zero money down mortgage programs available to borrowers outside of the military. The 100% financing option is one of the most attractive features of a USDA mortgage, as it can be tough for first time home-buyers to come up with a five, ten, or even twenty percent down payment when purchasing a home.
4. Borrowers are not required to take out private mortgage insurance, and the required 2& guarantee fee can be financed into the loan.
5. Families with lower incomes and those with less than perfect credit may be able to qualify. In fact, this program is specifically for those with lower incomes, and borrowers who make above a certain amount (varies by county) may not qualify.
6. Secure, 30-year fixed rate loans, make for lower monthly payments that are geared towards ensuring the successful repayment by borrowers.
7. USDA mortgages are intended to finance "modest dwellings", which can help buyers avoid purchasing a home that is above their means.
8. Less restrictive guidelines mean that applicants can qualify with fewer cash reserves when compared to many other programs.
9. Seller paid closing costs are permitted, up to a certain percentage of the loan amount. This can enable a home purchase with few up front out of pocket expenses.
10. Homes that are "fixer-uppers" may qualify for extra funds for rehabilitation.
It is important to understand that not everyone will qualify for a USDA mortgage. The property must be located in an area that is designated as "rural" by the USDA, and the loan amount must fall within allowable limits (varies by county.) The borrower must meet the guidelines for eligibility and be able to show based on their income and credit history that they will be able to repay the loan as agreed. For those who qualify a USDA Rural Housing loan can help make cost effective home ownership a reality.
Article Source: http://EzineArticles.com/6592361
Thursday, March 29, 2012
Simplified Summary of Fannie Mae Mortgages
Many people believe Fannie Mae mortgages are owned by the federal government. However, this enterprise is no longer owned by the government and is a now a government sponsored enterprise (GSE); meaning it is privately owned, but publicly chartered.
Fannie Mae mortgages make up almost half of the home loans in the U.S. market. Combined with real estate loans owned by Freddie Mac, these two GSE's have amassed a mortgage portfolio that exceeds $5 trillion.
This entity does not originate mortgage loans. Instead they purchase mortgages from banks and bundle them in packages to sell to investors. The Federal Reserve Board places limitations on how much credit banks can extend for real estate mortgages. To keep credit lines open, Fannie Mae purchases loans directly from banks. Essentially, this organization is the primary entity that keeps credit lines open so banks can engage in additional lending.
Fannie Mae was originated in 1938 under the leadership of President Franklin Roosevelt. Its intended function was to offer affordable housing opportunities to every American that wanted to own a house.
The enterprise was owned by the government until 1968 when it shifted to a private shareholder-owned enterprise. For the next 39 years, the company prospered and offered additional programs to help Americans achieve their dream of homeownership.
In 2007, Fannie Mae was nearly decimated by the abundance of foreclosures that erupted from subprime lending practices. In September 2008, the Federal Housing Finance Agency placed Fannie Mae and Freddie Mac into conservatorship and infused billions of dollars from taxpayers to keep the entities afloat.
While bank bailouts have been an explosive topic that enrages American taxpayers, the truth of the matter is if these GSEs hadn't been placed into conservatorship the U.S. real estate market would have completely fallen apart.
The controversy that encircles the government bailout not only involves using taxpayer money, but also the fact that the government agreed to provide unlimited funding to ensure neither entity failed again.
There is no doubt that many people view Fannie Mae in a negative light. However, this GSE has implemented several positive changes since the bailout. In addition to establishing programs to offer assistance to homeowners facing foreclosure, Homepath Mortgage was setup to help people buy bank foreclosures at reduced costs.
Homepath properties are comprised of residential houses that were repossessed via foreclosure or returned to banks using deed in lieu of foreclosure. Homepath Mortgage offers special incentives to buyers that purchase distressed properties including low down payment requirements and reduced interest rates.
Fannie Mae also set up the website of KnowYourOptions.com to provide information and resources to homeowners faced with foreclosure. The entity established mortgage help centers in various locations across the nation where homeowners can obtain complimentary housing counseling. Homeowners that don't reside near a mortgage help center can acquire counseling over the phone.
Available programs include: loan modification, mortgage refinance, deferred payments, real estate forbearance, principal reduction, and foreclosure alternatives of deed in lieu, real estate short sales, and deed for lease; a program that lets homeowners assign the deed to their home back to the bank and enter into a leasing agreement so they don't have to move.
One certainty is that Fannie Mae isn't likely to be dissolved in the near future. Homeowners that need help with home loans ought to consider making use of Fannie Mae mortgage programs that their tax dollars helped pay for.
Article Source: http://EzineArticles.com/6649463
Tuesday, March 27, 2012
FHA 203K Loans Bring New Life to Old Homes
The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), offers many home loan programs to help foster American home ownership. Perhaps one of the most unique programs is the FHA 203K loan. This program is designed to help communities revitalize their neighborhoods by providing loans to rehabilitate, repair or modernize homes.
According to HUD, an FHA 203K loan can be used to rehabilitate or improve a one-to-four unit dwelling in one of the following three ways:
- 1) To purchase a piece of property and the land on which it is located and rehabilitate it.
- 2) To purchase a piece of property on another site and move it onto a new foundation on a mortgaged property and rehabilitate it.
- 3) To refinance existing liens on the property and rehabilitate it.
The maximum amount that one can borrow on an FHA 203K loan cannot exceed 110% of the home's value after the rehabilitation is complete. The minimum amount one can borrow is $5,000. Many homeowners find these loans so helpful because they can be used it for such a variety of improvements. A borrower can use it to completely rehabilitate an old home or remodel a bathroom, repair a chimney, improve flooring, build a skylight or even complete major landscape work!
When applying for an FHA 203k loan, one or two appraisals will be required. Some lenders will require an "As-Is" appraisal to be done before rehabilitation takes place. This initial appraisal will determine the current value of the home. However, some lenders may deem the "As-Is" appraisal not necessary and will use the contract sales price on a purchase transaction instead depending on when the property was purchased.
After the "As-Is" value is determined, the borrower must submit their planned repairs to the FHA. After these repairs are submitted, another appraisal called an "After Improved Value" appraisal will be done to determine the fair market value of the property once improvements are completed.
To obtain a correct "After Improved Value" appraisal, it's important to include all of the eligible expenses in the cost of the rehabilitation. Eligible expenses that can be included are: cost of materials, labor, contingency reserve, overhead and construction profit, up to 6 months of mortgage payments, permits, fees, inspection fees by a qualified home inspector, licenses and consultant and architectural/engineering fees. These expenses will help the lender determine the maximum mortgage amount that the borrower will receive. It's important to include all of the cost and expenses into the plan because this will help the lender determine how much money is really needed and allow them to correctly assess the necessary mortgage amount for the project.
Once the borrower receives the funds from the mortgage, repairs on the house must begin within 30 days after closing and be completed within six months of closing. An approved FHA official will verify that the project is complete and the borrower may begin enjoying their beautifully renovated home. Help bring new life into an old home with an FHA 203K loan!
Article Source: http://EzineArticles.com/5846098
Sunday, March 25, 2012
Home Buyer Tip: Home Warranties
Negotiating a home warranty at the seller's expense is a great way to take some of the worry out of home ownership
Thursday, March 22, 2012
Are You Ready To Be A Homeowner?
That time when you are ready to buy a home is probably one of the most exciting phases of life. If you are seriously planning to finally buy your first property, you have to first understand that buying a house is a sizable investment. That said, it means you don't just jump right in and buy the first house that you can afford. You have to be really ready to be a homeowner and would therefore need to know what to look at before you start on your home buying journey.
First off, ask yourself if you know what you want. First time home buyers sometimes fall into paying for a house that they would fall out of love with in a couple of years. Thus, they would be trapped into paying a house that they do not enjoy living in.
You have to understand that you should buy a home because you need it. Therefore you need to look for the things that you need more than things that you want. Sure, an indoor pool could be a great addition to any home but a house with that amenity could cost you a lot. Are you willing to sacrifice that much just for that single amenity?
Remember too that your lifestyle could change drastically as you go on with life. For example, you might enjoy living in the city today because it is near your office and there are plenty of places to go to. Further down the road though, you might think about having a quieter life thus requiring you move to a more rural setting.
Another instance when you would need to move is when you start to have a growing family. Today, you might not feel the need to move to an area with easily accessible schools but alter on, you could be forced to move just to be closer to a school for your kids.
Then, there's also the matter of your finances. Can you pay for a particular property with your current earnings? Can you categorically say that in a couple of years, you would be in a better financial situation? If you can, then you might be able to afford to buy a property that might seem out of your price range today.
Having a real estate agent working with you as you go through the process of buying a home would be of great help. A good agent could not only help you through the process but also help you decide whether you are ready to buy a home.
Article Source: http://EzineArticles.com/6913546
Monday, March 19, 2012
Saturday, March 17, 2012
Home Equity Loans With Bad Credit Are Available: Get the Facts
Those with a poor credit score and own their homes look at the prospect of a home equity loan as very appealing. Getting a home equity loan with bad credit, though not as simple as it once was, is still possible and happens every day. When you are in need of money for paying medical bills, settling debt with credit card companies or even if you want to finance a home improvement project, using the money you receive from a home equity loan can make a big difference. This secured loan option is the best choice for those whose credit scores are low.
Bad Credit: Know the Facts
No matter the reasons, having a poor credit score (anything lower than 600) is a major hurdle in acquiring a loan of any type. However, when looking for loans with bad credit, a secured home equity loan will be far easier to acquire. Why? Because secured loans have property (your home) attached to them that can be repossessed if you fail your repayment. This means that the lender is given a certain level of security in extending you this loan.
If you have poor credit, home equity loans, as a secured lending option, may be the only choices that you have that will still yield a reasonable interest rate and other terms. Therefore, asking for a home equity loan, rather than an unsecured personal loan, with bad credit can make the difference in terms of being accepted or rejected by a lender.
Make Changes to Improve Your Credit Score
Of course, using the value of your home as leverage any time that you want to borrow money can be a risky venture, and it is only possible for as long as you have equity (or value) in your home. Therefore, you want to make positive changes over time in order to improve your poor credit and get yourself into a better position to borrow in the future. In order to do this, take note of the major causes of a bad credit score:
1. Late Payments
The number one reason people have poor credit scores is the inability to make timely payments on the loans they already possess. Using a home equity loan to consolidate these payments can help to prevent late payments since you will only have one payment to make each month.
2. Too Many Different Payments
Similar to late payments, having too many open, active credit accounts makes lenders think you are constantly looking for money. Again, the use of a home equity loan can help reduce these payments and improve bad credit over time.
3. Bankruptcy
If you have filed for bankruptcy in the recent past (less than two year ago) you will not be able to get another loan. However, after this time has passed, you can show lenders that you have reformed through responsible loan payments and managing of debt.
Article Source: http://EzineArticles.com/6723383
Thursday, March 15, 2012
Refinancing Your Home - Is It a Smart Choice?
If you currently have a mortgage, would you think about refinancing your home? Well, some might argue that there can be no need. However, there are a few others who would totally go for such an option.
The most common reason why many opt to refinance their homes is so that they will get lower rates for their new mortgages. To start, assess whether your current rates are worse or better than the other rates available out there. If you see that your mortgage rate is lower, then, there might be no need for you to refinance. However, a more common situation will be that the rates that are offered these days are significantly lower. This means that many will consider refinancing their homes as they will be able to benefit from the difference in rates.
In every month, you will be able to experience paying a lower rate. That will be a big blessing especially for a family that has a tight budget. The money that you will be able to get from this can be used to improve household conditions. You may also save it for whatever personal purpose you may have.
There might be people who will decide to refinance because they are looking for more stable rates. No one wants to be alarmed one day about a significant increase on your mortgage's rates. You would want to be sureness and consistency. Sometimes, this is also to show that you still have control over your current situation.
This will be the situation of those who first had adjustable rate mortgages. To reduce their risks they will decide to refinance and get stable and fixed interest rates. And even if you are already out of the discounter period, for example, you will have the peace of mind when it comes to your mortgage rate.
At other times, there are homeowners who refinance so that they can get mortgage from a property that is already paid-off. This can be possible as there are those who will cash out and choose to buy another property in some other place using cash. This can be a common practice. The situation will be that you wanted to acquire another property. And so, to be able to afford the estate that you are eyeing, you will be refinancing your current property. Actually, you can take the money and use it for any other reason that you have in mind.
For those who want to be able to shorten the term of their mortgage, they might also do this. These are those who are willing to increase their monthly payments. It can be that they want to be free of debts as soon as possible. Also, it should be noted that short-term loans have lower interest rates than long-term loans. And so, a lot can benefit from such a condition. In addition, when you want to have a better credit status, you will find means to pay off your debts and have access to better interest rates for your other plans.
Article Source: http://EzineArticles.com/6703725
Tuesday, March 13, 2012
Top 10 Reasons to Buy Instead of Rent
Whether you're a happily unattached working professional or a young couple with a couple of kids in tow, you are probably questioning the logic of buying your own house when you could just rent. Even though the process of acquiring a house may seem a lot more complicated compared to simply paying your monthly rent for an apartment, you'll eventually find many reasons on why buying a house actually works to your advantage. Here are just 10 things to look forward to when you finally decide to become a home owner:
A solid investment. Generally speaking, house prices increase over a given period of time. It's a good investment, because this means that if you buy a house today, you can sell it off at a higher cost in, say, two years from now.
Tax benefits. When you purchase a house, you can actually deduct your mortgage interest from your taxable income. Of course there are several determining factors for this, like mortgage size, interest rate, and your tax bracket. But even with all things in consideration, it's a given rule that the new the mortgage, the higher the amount of interest that you're required to pay - and that spells out a bigger tax break as well.
A real property. Imagine this: you'll actually be buying your very own property instead of continually paying for something that belongs to your landlord. Isn't that a nice thought?
Low interest rates. At the moment, interest rates in the real estate market are fortunately lower compared to the previous years. This spells out that you can pay off your mortgage easier - and get rid of it faster as well.
Equity in your own home. You can make use of your home equity to get more affordable loans which can help finance other things you need - maybe your much-deserved vacation or money to buy new home decorations.
Emotional security. With your very own home, you no longer have to fret about irate landlords or rent increases every so often. You will most likely have an idea of what your mortgage fee would be like for years, so you can have a measure of emotional security in that, instead of continuously worrying.
Decorate and renovate. It's your house, so it's your call. Add your personal touch to every corner of your home, or hire a designer for that professional flair. You can do whatever you want, and you only have yourself (and the people you live with) to consult.
Have a pet and garden. Here are two of the best things about having your very own house: owning a little garden in the backyard, and being able to keep pets. There are not many apartments that let you have both.
Putting down roots. Being a home owner makes you more established in many things. You can seriously get to know your neighbors, or let your kids meet new buddies at the park. Many people don't consider such things when they're renting.
A greater community voice. As a local homeowner, you can have more say in matters like school issues and traffic regulations.
Article Source: http://EzineArticles.com/3178265
Saturday, March 10, 2012
Using FHA 203K Loan to Purchase a Fixer-Upper
Across there are a large number of short sale homes available to buyers. A short sale is a home being sold for an amount less than the existing mortgage balance. These homes often have a few cosmetic repairs that need to be made in order to make the home more presentable, if not safe. For years the issue of repairing a home prior to purchase was a catch 22. The bank or seller was not willing to spend extra money on a home that they are selling. The buyer could not make the repairs because they did not legally own the home. The FHA 203k loan solves that problem with ease.
Two Kinds of Loans
The Federal Housing Authority (FHA) offers a loan called the 203k mortgage, named after the code section where the loan is found in the FHA guidelines. This loan is offered as a Streamline version and the regular version. The streamline was designed to offer lower amounts designated for repairs and slightly less paperwork. Both loans are ideal for homebuyers who wish to purchase a home in need of some repairs.
How the Loan Works
The loan program allows buyers to purchase a home based on the sales price. In addition, the buyers can borrow extra money to make the necessary repairs. Once the loan is approved and closed, the extra money is placed in an escrow account. The contractor that is doing the work will receive payment once the work is completed. This protects the borrower and the lender against problems with the repair process.
The amount needed for repairs is added to the loan for the purchase and the homebuyer makes one payment, at one interest rate, on the entire loan. Since mortgage rates are so cheap right now it is a wonderful way to buy a home that may be priced below market value due to some simple fix-ups.
Loan Amounts
The Streamline 203k loan will allow homebuyers to borrow a minimum of $5,000 and a maximum of $35,000 to be used towards the repairs. The regular 203k loan allows much more as a percentage of the sales price and the estimated appraised value after the proposed repairs have been made. The regular 203k loan will need the involvement of an appraiser, home contractor and loan officer from the very beginning to make sure the loan and repairs meet the guidelines of the program
What Can be Done with 203k?
Homebuyers often ask about the types of repairs that can be done with the Streamline 203k program. The following list shows some of the more popular tasks accomplished using this type of loan
- New gutters and a new roof
- New Heating and air conditioning system or repairs to the existing system
- Plumbing updates and repairs
- Electrical updates and repairs
- Bath and kitchen remodels, to a lesser extent
- New flooring of any type; wood, carpet, tile
- Painting for both exterior and the interior
- New windows and doors
- Energy efficient appliances
The 203K loan allows many types of repairs and improvements that can greatly enhance the value of a home and give buyers a chance to purchase a place at a savings. This loan is ideal for short sales or foreclosures.
Thursday, March 8, 2012
VA Home Loans Provide Excellent Opportunities for Veterans
Those serving in the Armed Forces of the United States, or those who are veterans of that service, have an exquisite way to buy a home because of the care Uncle Sam bestows on those in uniform. These VA home loans are not handouts, the are rewards for service. These loans do not hand money to veterans, nor are they loans fomented by the government; they simply apply some rules that make it easier for the veteran or service member to realize the American dream of home ownership.
Rather than a cash grant or other similar transfer, the Veterans Administration puts a guarantee a Va home loans made by traditional financial institutions such as banks, credit unions or mortgage companies. The Veterans Administration underwrites these loans. Thus, should the home buyer default, the lender knows that the government will find the money to cover the cost of the loan. That is putting it simply, of course, but that is the base. This guarantee makes it more likely that the veteran or service member will be approved for the loan.
VA Home Loans Save Down Payments, Closing Costs
Va home loans save money for veterans and service members in that they replace the protection of a down payment that most lenders require with the protection of the full faith and power of the federal government. Unless the buyer opts to pay one, VA home loans require no down payment. Another way a veteran will see savings is that the government limits the amount of closing costs and all the other nit-picking costs and fees that a lender can charge a borrower.
Being overcharged with administrative fees is impossible. No up-front processing fees or other consideration fees can be charged. Closing costs become the expense of the seller. If some fees must be exacted on the veteran or service member taking the VA home loan, their amount is limited and are very much lower than found with non-VA home loans.
Lower Monthly Payments with VA Loans
The monthly mortgage payments for VA home loans are often considerably less than for standard home loans. A good part of the reason lies in the fact that no mortgage insurance is required. Mortgage insurance is another way lenders have of protecting themselves should a buyer default. With the government underwriting the loan, no insurance is required. There are restrictions on the rates of interest that can be charged.
Of course, with lower interest rates, monthly payments are lower. Another maddening fee that can beset standard home buyers is the pre-payment penalty. Why anyone would charge a fee for paying off a loan ahead of time is probably just an indicator of institutional greed. If a veteran has the money to pay off a loan before it has matured, he or she is not penalized for making good on the loan.
Bad Credit Borrowers Have an Advantage
Because of the governmental guarantees, veterans or service members can usually land a home loan. If the service member or veteran has been meeting their bill obligations for the past year to eighteen months, a VA home loan can still be approved. And interest rates for VA home loans cannot be adjusted due to credit ratings so they can remain reasonable.
Other Advantages of a VA Loan
If a veteran or service member choose to sell the home, the mortgage may be assumable by the buyer. The marketability of such a home is greater, making it easier for the veteran to sell. Appraisers for VA home loans must be picked at random rather than chosen by the lending institution. This makes it unlikely that appraised values will be skewed in favor of the lender. A veteran or service member has many advantages when it comes to buying a home. These advantages are rendered as a reward for service.
Wednesday, March 7, 2012
HARP 2.0 Program - Solano Mortgage
Jim talks about HARP 2.0 (Home Affordabel Refinance Program) in the current market. Call them to day or check out www.solanomortgage.com
Sunday, March 4, 2012
Home Appraisals in the New Market - Solano Mortgage
Jim Porter explains how appraisals are done in the new home market. Her also gives some tips to ensure your property is appraised properly. See more at www.solanomortgage.com, or call 707-449-4777.
Friday, March 2, 2012
This Month in Real Estate (US) March 2012
Hello and welcome to This Month in Real Estate. I'm JAY PAPASAN.
Our top story: the secret to getting your house sold more than a month faster than the competition.
According to KW research almost half of sellers who price their house according to their real estate agents' interpretation of its market value sold almost twice as fast and for more money than the competition.
For more, we turn to News You Can Use.
Many sellers like the idea of pricing the house high at first to test the waters. This strategy certainly helps to sell houses.
Unfortunately, the irony is that the houses that sell won't be yours. That's because pricing your house high only provides a high comparable for other houses for sale in your area.
The fact is that many buyers' agents will actually show your house to clients with the aim of showing what a steal the house down the street really is. For those buyers, seeing is believing.
Smart sellers price right in order to get good offers early—in the first couple of weeks. You do not want to do anything that risks your house becoming "old and stale" in the eyes of buyers and buyer agents.
Yes, a buyer can always make an offer. You just want to make sure it's on your house.
For more information on pricing your house to sell, talk to your local real estate agent.
That's all for This Month in Real Estate. Thank you for joining us.
Our top story: the secret to getting your house sold more than a month faster than the competition.
According to KW research almost half of sellers who price their house according to their real estate agents' interpretation of its market value sold almost twice as fast and for more money than the competition.
For more, we turn to News You Can Use.
Many sellers like the idea of pricing the house high at first to test the waters. This strategy certainly helps to sell houses.
Unfortunately, the irony is that the houses that sell won't be yours. That's because pricing your house high only provides a high comparable for other houses for sale in your area.
The fact is that many buyers' agents will actually show your house to clients with the aim of showing what a steal the house down the street really is. For those buyers, seeing is believing.
Smart sellers price right in order to get good offers early—in the first couple of weeks. You do not want to do anything that risks your house becoming "old and stale" in the eyes of buyers and buyer agents.
Yes, a buyer can always make an offer. You just want to make sure it's on your house.
For more information on pricing your house to sell, talk to your local real estate agent.
That's all for This Month in Real Estate. Thank you for joining us.
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Alchemy is a multifaceted company that serves various sections of the food system. Our flagship restaurant and lounge, Alchemy Cultural Fare & Cocktails is in the quaint neighborhood of South Park near downtown San Diego. We also cater to private and business clients throughout San Diego County with interesting fare and craft cocktails. Additionally, we teach cooking with our Scratch Culinary Education program for both youth and culinary professionals.
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Tonbridge must squeeze half of their league fixtures into the last 10 weeks of the season - and their plight could be about to worsen.
The west Kent club still have 21 games to play in Skrill South and only 71 days available from Saturday, when they're due to host high-flying Eastleigh.
Angels boss Tommy Warrilow had hoped the Conference might extend the season to help the fixture pile-up, but his wish hasn't been granted.
He said: "The league are saying they're not going to extend the season because it's not fair on the sides who have fulfilled their fixtures.
"I just don't think you can look at it like that. Is it our fault we've had such bad weather? I just give up on common sense these days."
If the Eastleigh game is postponed, it could be played three days later as neither club has a midweek fixture.
Results elsewhere in midweek saw Tonbridge drop back into the relegation zone.
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We have a small crawl space (rest is basement). The crawl has 3 support footings (don't know what they're called) about 4 ft tall (in IL). Just had inspection relating to selling the property (ordered by our Relo company). Inspector said they were "undersized" (but perhaps they were to code 11 years ago when we built?). Now we're gonna have to replace them.....or find someone to come out and say that they are "no problem".
I know "Code" changes all the time. If it was built to code 11 yrs ago (and how do we find that out?), do we have to change it? It's a nice house (small midwest town, $330k) with no other problems. Our realtor just says "throw $1000 dollars to buyer at closing" but that seems like a lot (or is it?). Inspector says it needs to be of concrete, not wood (like it is currently). Any thoughts for me??? Thanks, |
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$1,000 allowance eor that situation is quite inexpensive. In fact, it may be the least expensive option---if the issue arises. You had the house built 11 years ago? If so, the certificate of occupancy proves the house was built to code---there were several inspections that covered that area. |
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A group of major city mayors are launching a push for gay marriage at the U.S. Conference of Mayors in Washington, D.C., Friday.
The mayors of Boston, Houston, Los Angeles, New York, and San Diego are co-chairing the group known as Mayors for Freedom to Marry.
More than 70 city leaders, including Chicago Mayor Rahm Emmanuel, are pledging to make the case for gay marriage in their communities.
"I'm going to support it because I think it's the right thing and it's consistent with our values," Emanuel said Thursday.
"To me, marriage is a recognition of love and the state should not be in the business of discriminating," he added.
The group will also be linked to the Freedom to Marry advocacy group which is campaigning to overturn the Federal Defense of Marriage Act or DOMA.
DOMA defines marriage in the U.S. as being between a man and a woman.
Gay Marriage Bill Gains Traction in Wash. State
Gay Civil Unions Legal in Hawaii, Delaware
Defining Marriage: Is Traditional Culture in Danger?
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It's honesty time. We all say that we don't have time to work out- but if you watch one TV show a day, then you have time to work out- it's just that sometimes we don't want to….. When it comes to real health, though, small changes that you can do for the rest of your life are the ones that are the most beneficial. So, for those of us looking to do a little extra exercise but without actually feeling like you are exercising, here are five ideas.
1. Specially plan your grocery shopping trip- head to a store like Wal Mart or Sam's Club. Instead of going first to produce, then frozen, grocery, dairy, and health care, mix it up- hit produce, and then head to the other end of the store for non foods. Go back for dairy, then go go for grocery. Stop and visit the clothes/DVD section, and finish with frozen. By making a route through the store that is winding instead of direct, you will do a lot of extra walking and therefore burn extra calories! Grocery shopping may take a little longer, but it will be worthwhile. (Every extra 15 minutes of walking= 58 calories)
2. What is your favorite place to shop? Leave you credit card and money at home and go window shopping at the mall- or a hardware store- or a garden shop- whatever it is that you enjoy. Just getting out and wandering around will make you burn extra calories, but since you will just be out looking at things you enjoy, you won't even really notice all the extra walking. (15 minutes of walking= 48 calories) (more…)


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I feel like if I were the Financial Services Roundtable and I wanted to send a letter to Congress telling them to get rid of a rule that gives lashings of government support to little banks at the arguable expense of, um, this cast of ne'er-do-wells, I would do it anonymously. Or, like, I'd try to trick Matt Taibbi into writing it. Because it's government support of banks. Banks! We hates banks:
This past week, Sen. Bob Corker (R., Tenn.), a member of the Senate Banking Committee, said the program shouldn't be extended. "The program's benefit to the community banking system is, at best, unclear," he said. "It's time to move beyond this period of unprecedented government support of the banking industry."
The program is the FDIC's transaction account guarantee program, which basically guarantees transaction accounts above the normal $250,000 FDIC limit, meaning that corporate and municipal treasurers can confidently keep their checking accounts at tiny little (but government guaranteed) General Universal Nationwide Bank of America1 instead of opening a money-market checking account at, like, Reserve Primary.
This is in some sense a little program – $1.4 trillion in guaranteed deposits, but all at FDIC-supervised banks that presumably do mostly boring things with the very rare exception I suppose of a few total book-cookers, with the result that this program has "accounted for about 3% of the $9.3 billion lost from bank failures from 2011 to the start of 2012." But it sounds in deep philosophical areas: if people want to invest their money in safe assets, and safe assets are in short supply, what should governments do about it? Nothing? Expand the pool of insured bank deposits at regulated and examined and supervised but also, like, wee, banks, so that every Community Bank of Nowheresville can create an unlimited2 supply of safe assets? Or ship everyone off to the cold cold discipline of The Market, in the form of money market funds that never break the buck and/or unsecured uninsured deposits at big banks whose depositors and creditors and regulators and so-forths are all keeping an eye on them to make sure they'll never default on their deposits? And what happens if they do – who's on the hook for those depositors's losses? Are implicit guarantees better than explicit ones?
These are deep questions but they are also questions that have dollar signs attached to them so it's no surprise that the big banks and money market funds think they should be the ones keeping everyone's cash safe, and that the little banks think it should be them.3
What is the right answer? I dunno. When in doubt I like to follow a rhetorical strategy that I call "loosely relying on what I think Nassim Taleb's new book might say, though I haven't read it." I am not alone in this!
If you want "antifragility," you should it seems build institutions that benefit from volatility rather than blowing up from it. This comes with a little parable masquerading as health advice, which is that you should frequently drink a little Indian tap water and get a little sick rather than avoiding it for your entire life and then one day drinking a gallon of it and … literally exploding? Or something, the story is not entirely clear to me.
Anyway there's an obvious antifragile argument for preferring explicit guarantees to little banks over implicit guarantees to big ones: they're little! A few will blow up every year, and it'll cost you a little money, a few billion here or there, and you don't worry about them any more. There's thousands more little banks who can step into their shoes. A JPMorgan will probably never blow up, but if it does, oy, the digestive problems it will cause.
Without insurance, the decision for the municipal or corporate treasurer deciding where to keep their cash is kind of the reverse. Any one community bank probably won't blow up – and you can diligence yours I guess? – but if it does, there's a good chance it's for bad reasons – fraud, putting all its money into construction loans on a swamp, something value-destructive – so your money. A diversified money market fund might lose value, though, y'know, supposedly not, but its almost-untested worst-case is losing 1% of its value. A JPMorgan, with its huge capital markets activity and active hedging programs, might actually profit from volatility. (Might!) Surely you should trust your money to them? So everyone thinks like that and you end up with a lot of money expecting a lot of safety in money market funds. What seems like an antifragility decision to the customer ends up looking kind of fragile for the system. Which is maybe a reason for the government to subsidize the tiny, fragile banks?
Big Banks Fire Back at Deposit Guarantee [WSJ]
1. Seriously, I was going to make my made-up name like "Second Community Trust of Peoria" but all the tiniest banks actually have grandiose universal names. Meanwhile "Fifth Third Bank," surely the most modestly named bank in the world, is reasonably huge.
2. Meh, limited by capital, etc.
3. Except, isn't it? Remember when banks were trying to get rid of deposits?
Comments (2)
Do I correctly understand this argument to be that the FDIC should extend TAG so that the FDIC doesn't stop getting used to taking regular, small losses on bank guarantees, which better prepares them for less frequent but larger losses on TBTFs? I have no concerns here.
It seems we think of banks in two respects – 1) as facilitators of our personal transactions via payment systems and 2) as aggregators and allocators of capital. The vast majority of the American public has no understanding of #2 and would never consider their checking account a loan to the bank – hence the focus on "safety". ____What they do not understand is that in large part, the bank does not pay them for their loan in the form of interest (or very much of it), but rather in the form of providing the services of #1 above, so 1 and 2 are currently conflated. We should simply make the implicit explicit by forcing banks to charge for #1 and to force banking customers to choose whether their deposit (x) sits in a trust-like account risk (other than inflaction) and interest free or (y) is considered a risky loan to a bank and is paid interest for that risk. If you choose safety, great


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Results 6 to 10 of 19
Thread: Combos from these lists please
August 17th, 2013 09:40 AM #6Senior Member
- Join Date
- Dec 2011
- Posts
- 701
Here are my top 3 combos from your list:
1. Calla - All of your MNs have a lot of "L's" so I don't think they sound the best with Calla. I do like Calla Vesper and Calla Isis.
2. Clara Elowen
3. Thea Alouette
1. Atlas Casimir - So handsome! I like Atlas Valentin too.
2. Atticus Ambrose - I like alliteration.
3. Nelson Ambrose
Other combos I like:
Isis Callia
Sylvia Lotus
Lyra Alouette
Ophelia Lotus
Aurelius Ivan
Octavian Felix
Claudius Pascoe
August 17th, 2013 11:55 AM #8*Britberry* Dani
Love thinking up name combos
Fave combos: ❤ Sawyer Phoenix Castiel?~Logan Elijah Mark~ Elijah Talon Jakob~ Xavier Kye (Kai) Roscoe~Spencer Devon Mitchell / Kairi Peyton Alana~ Marnie Isabeau Grace~ Wynter Amethyst- (Mysti/Thya''Thea'') Nova Madisyn~Cailyn Schuyler ❤
GP's: Castiel. Auron (Oren) Gunner, Orion, Roman, Zeke.
Not trying but thinking of the future..
"All you need is a little faith, trust, and pixie dust." -Peter Pan.
August 17th, 2013 06:44 PM #10
Thanks all. Jeanne, Mila is pronounced Mee-la.
Question: Is Ophelia to rhyme-y with Mila? I also wonder if Mila and Calla are too similar. My other thought is, does this baby's name need to be relatively short because Mila's is? I don't mean just the first name but the number of syllables in the first and second together.
Going to print off this thread and have a proper look through all the suggestionsMother to two lovely kiddos, Mila Arden and Cato Bennett
Currently dreaming of...
Atlas Bram, Abel Octavian, Abel Roscoe
Lyra Blythe, Delphi Winter, Elowen Sage, Inka Blythe, Anouk Thessaly
August 17th, 2013 07:26 PM #12
Edited for privacy.
Last edited by saracita00; January 18th, 2014 at 07:28 PM.
August 18th, 2013 08:52 AM #14Mother to two lovely kiddos, Mila Arden and Cato Bennett
Currently dreaming of...
Atlas Bram, Abel Octavian, Abel Roscoe
Lyra Blythe, Delphi Winter, Elowen Sage, Inka Blythe, Anouk Thessaly


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Key Terms
Aqueous humor: The watery fluid that bathes and nourishes the anterior part of the eye.
Ciliary body: The part of the eye above the lens that produces aqueous humor.
Cornea: The outer transparent structure that covers and protects the iris and pupil.
Choroid: A layer of the eye behind the retina that contains the blood vessels that supply the retina.
Iris: The colored tissue behind the cornea that regulates the light entering your eye by changing the size of the pupil.
Lens: The clear part of the eye which is suspended behind the iris.
Optic nerve: A bundle of nerves located in the posterior eye that carries messages from the retina to the brain.
Trabecular meshwork: The spongy tissue near the cornea. This is where the aqueous humor flows out of your eye.