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Ash Wednesday: Let's Google it
Many of us Christians around the world and right here in our own community will avail ourselves to the rituals of "Ash Wednesday," next Wednesday, Feb. 13, which is 40 days before Easter, not counting the Sundays. This 40 days is called Lent, which begins with Ash Wednesday and culminates with Holy Week and Easter.
Here at Prince of Peace Lutheran Church in Fayetteville we will conduct our Ash Wednesday service that night at 7:30. We will offer the ash cross described below, and we invite anyone without a church home, or anyone whose church is not having this service, to attend. You may come as a one-time guest. We will put no pressure on you in the service or after the service to make any further commitment. You are always invited back, of course.
Do you know exactly what Ash Wednesday is, where it came from, and what it means today? Well, let's Google it.
The best information I found for our purposes here was an article by Dr. Richard P. Bucher on www.orlutheran.com.
"Ash Wednesday is the name given to the first day of the season of Lent, in which the pastor applies ashes to the foreheads of Christians to signify an inner repentance. But what is the history and the meaning of this Christian holy day?
"Ash Wednesday, originally called dies cinerum (day of ashes) is mentioned in the earliest copies of the Gregorian Sacramentary, and probably dates from at least the 8th Century. One of the earliest descriptions of Ash Wednesday is found in the writings of the Anglo-Saxon abbot Aelfric (955-1020). In his Lives of the Saints, he writes, 'We read in the books both in the Old Law and in the New that the men who repented of their sins bestrewed themselves with ashes and clothed their bodies with sackcloth. Now let us do this little at the beginning of our Lent that we strew ashes upon our heads to signify that we ought to repent of our sins during the Lenten fast.' Aelfric then proceeds to tell the tale of a man who refused to go to church for the ashes and was accidentally killed several days later in a boar hunt! This quotation confirms what we know from other sources, that throughout the Middle Ages ashes were sprinkled on the head, rather than anointed on the forehead as in our day.
"As Aelfric suggests, the pouring of ashes on one's body (and dressing in sackcloth, a very rough material) as an outer manifestation of inner repentance or mourning is an ancient practice. It is mentioned several times in the Old Testament. What is probably the earliest occurrence is found at the very end of the book of Job. Job, having been rebuked by God, confesses, 'Therefore I despise myself and repent in dust and ashes' (Job 42:6) … In the New Testament, Jesus alludes to the practice in Matthew 11:21: 'Woe to you, Korazin! Woe to you, Bethsaida! If the miracles that were performed in you had been performed in Tyre and Sidon, they would have repented long ago in sackcloth and ashes.'
"In the typical Ash Wednesday observance, Christians are invited to the altar to receive the imposition of ashes, prior to receiving the Holy Supper. The pastor applies ashes in the shape of the cross on the forehead of each, while speaking the words, 'For dust you are and to dust you shall return' (Genesis 3:19). This is of course what God spoke to Adam and Eve after they had eaten of the forbidden fruit and fallen into sin. These words indicated to our first parents the bitterest fruit of their sin, namely death. In the context of the Ash Wednesday imposition of ashes, they remind each penitent of their sinfulness and mortality, and, thus, their need to repent and get right with God before it is too late. The cross reminds each penitent of the good news that through Jesus Christ crucified there is forgiveness for all sins, all guilt, and all punishment.
"Many Christians choose to leave the ashes on their forehead for the remainder of the day, not to be showy and boastful (see Matthew 6:16-18). Rather, they do it as a witness that all people are sinners in need of repentance and that through Jesus all sins are forgiven through faith.
"Ash Wednesday, like the season of Lent, is never mentioned in scripture and is not commanded by God. Christians are free to either observe or not observe it. It also should be obvious that the imposition of ashes, like similar external practices, are meaningless, even hypocritical, unless there is a corresponding inner repentance and change of behavior….
"With this in mind, however, the rite of ashes on Ash Wednesday is heartily recommended to the Christian as a grand opportunity for repentance and spiritual renewal within the framework of confession and absolution."
I echo Dr. Bucher's recommendation and encourage you to avail yourself to this meaningful personal spiritual experience.
Kollmeyer is Pastor of Prince of Peace Lutheran Church, located between Lowe's and The Pavilion on Ga. Hwy. 314 in Fayetteville. www.princeorpeacefayette.com
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Reviewed Pretzel Beer Brittle
Jul 24, 2012 in Food Network Community Toolbox on FoodNetwork.com
"I definitely will be making this for Christmas presents adding some of my own tweeks. I also added instant coffee, brown sugar and cho chips. Yummy! Next time I think I'll leave these out and add hot sauce instead!
It took about 15-20 min for temp to reach 305...you might try cooking your next batch at a higher temp. My brittle was set..."
Reviewed Roasted Red Pepper Minestrone
Apr 30, 2012 in Food Network Community Toolbox on FoodNetwork.com
"Delicious and fun to prepare! I followed the recipe exactly using quinoa veggie curled pasta. Fresh red peppers are expensive right now so I used roasted red peppers in a jar that was on sale!Will definitely make this soup again and again!

subset: commoncrawl


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During the Calgary Flames loss to the New York Islanders last night, only one line amongst the four units was consistently driving the play north: David Moss, Tim Jackman and Tom Kostopolous. Nominally Calgary's "fourth line", the Moss trio accounted for both Calgary goals and finished the night a cumulative +38 in terms of corsi and +16 in terms of scoring chances.
The particular combination has been effective since it was cobbled together several weeks ago. Despite averaging about 10 minutes of ice per night, Moss et al. have combined for seven goals, 13 points and a cumulative +13 rating in their last five games.
The relevance to this discussion isn't the Flames suddenly potent fourth unit however. It's the fact that it was never meant to exist in the first place. In the off-season, Darryl Sutter signed veteran enforcer Raitis Ivanans to a two year, $650,ooo/year contract. It goes without saying that Ivanans does only one thing well: chuck knuckles. The 6'4″, 240 pound fighter has been an on-ice detriment for years, frequently falling at the bottom of the charts in terms of possession, scoring rates and penalty differential.
Despite his obvious drawbacks, Sutter signed the big Latvian to a multi-year deal in order to patrol the ice from the Flames fourth line. The only reason he wasn't in the line-up last night, defusing Calgary's most effective trio, was his unfortunate opening bout versus fellow goon Steve MacIntyre that resulted in a concussion from which he has yet to recover. Not to be glib about Ivanans injury – which is serious and from which we all wish a speedy recovery on human terms – but Calgary essentially lucked into their currently effective fourth line. Jackman and Moss are good enough to outplay other fourth lines with a guy like Tom Kostopolous on their wing, but there's little chance they'd be able to carry around a sub-replacement level talent like Ivanans without detrimental effect. So why was he signed at all?
The question is one of the enduring mysteries in the NHL. Sutter wasn't the only GM to place a value on the pugilist recently. Derek Boogaard, Jody Shelley and Colton Orr were inked to pricey, multi-year deals by their respective clubs, for example. The enforcer is an anachronism that simply refuses to be extinguished. Why?
This is an issue I've attacked frequently in the past. In 2008, I argued that NHL GM's should ditch the enforcer:
Yes, the enforcer is a dying breed. And in my humble opinion, it's a breed that isn't dying fast enough. GM's still cling to the conventional wisdom that "every club needs its heavyweight" like jammy-fingered children to a security basket. Just glancing over the various rosters now, I count about 26 pure pugilists. I'm not talking about guys that fight, or even fight a lot. Again, I mean the guys who do almost nothing but fight. The policemen, the nuclear the deterrents, the not-so-gentle giants. The guys whos penalty minutes match or exceed their total ice-time by the end of the year. There's still a bunch of them in the league. And I can't conceive of one good reason why that is.
The modern goon is so utterly impotent in the face of "new" NHL obstacles that his ability to right perceived wrongs and deter pests is next to nil. Here's a brief guide on how to neutralize an enforcer:
a.) Just say "no". With the strict instigator rules that include penalties, suspensions and fines, not to mention the existing codes of etiquette and conduct regarding beating on an unwilling partner, the ability of a goon "to do his job" is directly moderated by the oppositions willingness to engage him in fisticuffs. An obvious example that springs to mind is Eric Godard: from Dec.13 to Feb.2*, a 19 game sample, Godard didn't get a single penalty minute, let alone a fighting major. Godard explained in an interviewed during the dry spell that he was "frustrated" because he simply couldn't find anyone to fight him. He'd skate around for five minutes a night, looking for trouble, finding none. He was rendered completely toothless.
(*Notably, Godard's dry-spell ended in Edmonton on Feb.04. His 27 PIM came thanks to a crease scrum in which Godard clumsily attacked anyone and everyone around him (the Flames were being embarrassed at the time). Godard ended up getting thrown out of the contest and the Oilers ended up scoring on the ensuing powerplay(s). Take THAT Oiler scum!)
b.) Have an effective 4th line. Goons only play about 5 minutes a night because they tend to be gross liabilities. They get scored on easily and can't score themselves. They also take a lot of penalties. As such, goons only tend to see the ice when the outcome of the game is no longer in question (blow-outs, in either direction) or against similarly bad players. Therefore, a relatively decent bottom end of the roster would probably convince the opposing coach to bench his big man pretty quickly**.
**(That is, at least, until his team was being blown-out. Then the goon could be sent out to fight and be subsequently penalized, suspended and potentially fined…thereby further feeding the blow-out).
c.) Dont have a goon on the roster. An extension of the point above, but also plays into the "goons only fight each other" thing. How often do you hear "we have to play X heavyweight because they have Y heavyweight?"
Just say "no", have a half-way decent bottom 6 and don't bother dressing a goon. Voila: you have now effectively castrated the other guy's enforcer. Feel free to "run their stars", if it fits your fancy (because that's what everyone does when there's no goon, right!?), because there ain't a damn thing he can do about it.
Others have written on the subject more recently and come to similar conclusions as summarized by Bettman's Nightmare at Behind the Net:
As you can see, the goon is not held in high regard…and for good reasons: they are limited in their abilities, and their deployment can hurt the other lines.
That being said, there's a few discussion points that we need to think about: if the NHL's deployment of goons isn't reflective of the LOES's assertion that they are not particularly valuable (and possibly harmful), what are the existing rationale for their use? How might this rationale be effectively and critically analyzed?
The latter question is one I've attempted to answer in the past as well. When the Flames signed Brian McGrattan in 2009, I suggested their existence was perpetuated by a potential "placebo effect":
Enforcers are the great placebo of the NHL. They persist because everyone thinks they do something positive (intimidate other teams, "protect" star players) even though there isn't a shred of evidence that they actually accomplish anything.
The goon in the modern NHL is a castrated beast. He bleeds goals against and his every move on the ice is tracked by nervous eyes and quick whistles. Fines and suspensions are the primary fruit of his labor. He is rendered impotent by two simple letters: "no". Pests laugh in the goons face. All that's left is the occasional, ritualistic dance with another anachronistic brute before the hoots and hollers of the crowd. It's exciting, it's gladiatorial, but…I doubt it helps win hockey games.
The enforcer is a long standing figure in the NHL landscape. His job is also a difficult one, requiring courage and stoicism. Fighters are symbolic archetypes of the sport's aggression and violence. They can act to enliven a crowd or focus it's need for retribution on an opponent. Finally, they're perceived as an arbiter of justice on the ice: a guarantor of either deterrence of vengeance should the bad guys step out of line.
In short, there is convention, ritual and theories of justice underpinning the role of the enforcer. Despite their various faults, goons are easy guys to like and their existence is therefore easy to rationalize. Even if they don't really help a team win.


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Tue, Jun 18, 13 at 19:41
Are any of you growing this heirloom variety now or in the past? This is the first year to try German Giant for us and we just cut open our first ripe tomato from these plants. The tomato appears to have more meaty flesh when compared to other heirloom varieties - the taste was good - but a bit dryer with somewhat less flavor than other varieties. It may have been a non-representative sample - the rest of the tomatoes on these plants are still green. Please share any experience you may have had with this heirloom variety. |
Follow-Up Postings:
Hi Hudson, I received bonus seed of German Giant one year, so I grew several. We found it to be blander than we like. But some people really like this tomato. Jennie |
- Posted by Hudson...WY Z3 (My Page) on Thu, Jun 20, 13 at 0:56
Hi Jennie, Thanks for your confirmation of what I feared - it is hard to know which heirlooms (or any variety for that matter) to try because the write-up in the seed catalogs make them all sound so delicious! They were a little bland for us too. We have some apparent possible 2 pounders in the making - not that it matters if they don't have the flavor to go along with the size! Have you grown the "Pink Lady Heirloom" variety? I would be interested in trying it if I could find someone that has had experience growing the variety - and could give me a positive reference . |
I have not grown Pink Lady. Jennie |
- Posted by Hudson...WY Z3 (My Page) on Sun, Jun 30, 13 at 9:38
Turns out the first tomato to ripen on the German Giant Heirloom tomato plants wasn't representative of this variety. Now we have many larger fruits ripening that show a much more flavorful juicy tomato! Many of these fruits are over a pound but are still slightly more bland when compared to other varieties IMO. |
Looks delish to me. Can't see how something that looks so good could lack any flavor. |
- Posted by Hudson...WY Z3 (My Page) on Wed, Jul 17, 13 at 21:44
Hi Njitgrad, Slightly gets ever so thinner as the season continues. You are right - just splitting hairs now. The German Giant variety has done well - a very hardy plant (almost 16' tall now) that sets fruit well - some very large. |
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Going into a house that has a 100 amp panel and I want a 200 A panel. During negotiations ( I was trying to get them to put in a panel before selling) they agreed to buy a panel, extra breakers, etc to sell the house. What they bought is a QO3040M200VP 200 amp 30 space panel. Almost the same panel that is in my current house. Any problems with these panels??? Not putting it in myself,will have a lic. electrician. Thanks |
Follow-Up Postings:
- Posted by bus_driver (My Page) on Tue, Dec 25, 12 at 11:40
While I would have chosen the 40 space panel, in all other respects that panel would be my first choice for my personal residence. |
- Posted by ronnatalie (My Page) on Wed, Dec 26, 12 at 8:48
I concur with bus_driver. The QO panel was the mainstay of all the commercial work I ever did and what I upgraded the panel in one house to (40 spaces would be nicer, but unless you're required to upgrade to AFCI for most of the circuits, you can still use the tandems). |
- Posted by petey_racer (My Page) on Wed, Dec 26, 12 at 17:20
"Going into a house that has a 100 amp panel and I want a 200 A panel. During negotiations ( I was trying to get them to put in a panel before selling)" Was there something wrong with the original panel? WHY would you make the sellers responsible for this upgrade?? |
- Posted by weedmeister (My Page) on Wed, Dec 26, 12 at 18:21
Changing just the panel doesn't actually change the service, does it? |
- Posted by petey_racer (My Page) on Wed, Dec 26, 12 at 21:28
I don't think the OP knows anything other than they WANT a 200A panel. And they want it for free. |
- Posted by schutz2106 (My Page) on Wed, Dec 26, 12 at 22:46
Well now I found out why I get frustrated with message boards. What I asked was opinions on the panel, not who or why I would have someone else buy it. And I know you cant pop a new panel in and poof- you have 200 A service. |
- Posted by schutz2106 (My Page) on Wed, Dec 26, 12 at 22:51
And I not trying to come off pi$$y or anthing. It just seems that if you have knowledge and want to share your knowledge that is great. But dont throw the other crap in there. You read some of these boards and its nuts the stuff that doesnt matter seems to take over some of the posts. |
- Posted by petey_racer (My Page) on Thu, Dec 27, 12 at 7:27
So you never answered why you think it is the seller's responsibility to buy you a new 200A panel. Oh, and QO is TOP quality, but I hate them. |
- Posted by ronnatalie (My Page) on Thu, Dec 27, 12 at 10:12
Depends what was there before. If there was a ITE or FP panel or frankly even some goofball thing that's still supported but otherwise a pain like a Silvania/Zinsco I'd have it replaced if I could talk the seller into eating the cost. I'd rather take a QO, or a CH, or even GE panel every day over some of those other basket cases. |
"Smithy" would be delighted with this panel choice. |
- Posted by schutz2106 (My Page) on Thu, Dec 27, 12 at 18:27
I suppose it isnt the sellers responsibility to buy a new panel. But in the negotiations that is what ended up selling the house. They agreed to it and that is what finally brought us together to put a sold sign out front. |
- Posted by fredsoldhouse (My Page) on Thu, Dec 27, 12 at 21:33
Negotiations can and often do include anything agreed to by both parties. I recently sold a house and made three repairs. Two were justified. One was a complete waste of $. But, it sold my house. Had they asked for a weekend in Nantucket I would have thrown that in too as long as I got my price :) |
- Posted by petey_racer (My Page) on Fri, Dec 28, 12 at 11:30
I don't get it. How is spending (potentially) a few thousand dollars on frivolous repairs demanded of a seller "getting your price"??? |
- Posted by ronnatalie (My Page) on Fri, Dec 28, 12 at 13:03
How is demanding 200A service upgrade (presuming he wants more than just the panel but also the upgraded service) frivolous. In addition, it sounds like based on it said "negotiation" that this was well in advance of a contract being set down and not something that he's hanging over the seller at the last minute after some dubious inspection report. |
- Posted by mike_kaiser (My Page) on Fri, Dec 28, 12 at 13:46
It's because we're in a down housing market and buyers can ask for whatever they'd like. When the market was up, I heard of cases where buyers were paying more than the asking price (essentially a bidding war with other buyers). I sold a house a number of years ago and despite an accurate seven page disclosure form, the home inspector said the water heater, roof, and heater were old. No kidding, says that right on pages 3, 4, and 6. Then they wanted $25,000 to replace everything. On the high end everything would have cost $10-12,000. Ever try to sell a car? What part of used and "as is" confuses people? ;-) |
The seller providing the panel and breakers was a smart move on their part. That is less than a couple hundred dollars. Don't expect a huge price savings when you tell the electrician you are providing the panel and breakers.It will most likely be less than 10% of the total cost of the upgrade. The contractor will not warranty any parts that he/she doesn't supply. I won't anyway. That is the last thing I want to hear from a potential customer. "How much will I save if I provide all of the material?" I told one guy to go ahead and make up a material list so I could confirm he had everything I needed to do the job. He had no idea what to buy or where to get it. |
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WILLISTON, ND, Jan 14, 2011 -- USDA Rural Development State Director Jasper Schneider announced that Brutger Equities, Inc. (BEI) received a $4.7 million loan guarantee for the construction of a new Holiday Inn hotel in Williston. The financing is utilizing USDA's Business and Industry Loan Program.
"Energy production has created a huge demand for housing and lodging in the area and this hotel will be designed to relieve some of that stress," said Schneider. "This project is a good example of a government entity partnering with private enterprise to address an issue and spur economic activity."
The hotel will consist of 88 rooms, 17 of which will be suites. Amenities will include a large pool and spa facility, meeting room, party room, exercise room, signature breakfast area, and outdoor sport court. Keeping the local market in mind, the hotel will be designed with a spacious two story lobby, large rooms, full size closets and some extended stay rooms.
Brutger Equities will be opening and managing the Holiday Inn. Construction is expected to begin in May of this year and be completed in January 2012. The new hotel will be located at 415 38th Street West. Currently, BEI owns and manages the Candlewood Suites and HomStay Suites in Williston.
The total project is estimated at $9.5 million with a $4,710,500 loan guarantee from USDA Rural Development through Starion Financial. Other stakeholders in the project include: Small Business Administration leveraging a loan through Dakota Certified Development Corporation; Brutger Equities, Inc., owner and property manager; Bank of North Dakota; Architecture Advantage; and Miller Architects and Builders.


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Back to home
Tasting local produces
Eating out
Leisures activities
To go out
To enjoy
Bed and Breakfast
Camp Sites
Mobile home area
Gites 2/6 pers
Gîtes 6/15 pers
Furnished rooms
Holiday residence
The "Sainte-Maure' and producers
Local products
Water Sports
Riding Center
Hiking and cycling
Leisure Centres
Air Tourism
Car rental
Leisure park
Second Hand Markets
Arts and Crafts
Concerts and Shows
Places to visit
Discover the Valleys of Vienna and Manse
Come to discover the Country of Saint-Maure de Touraine through its pedestrian hiking trails.
All walks
L'Office de Tourisme du Pays de Ste-Maure de Touraine
Les Passerelles - 77 avenue Général de Gaulle - 37800 Sainte-Maure de Touraine
Phone number. : (0033)2 47 65 66 20 / fax : (0033)2 47 34 04 28
Opening : from january till june and september till december, from monday till friday, from 9:30 am to 12 am and from 1.30 pm to 5.30 pm - july and august : everyday from 9:30 am to 12:30 am and 2 pm to 6 pm
Communauté de Communes de Sainte Maure de Touraine
Gites 2/6 pers
Noyant de Touraine
Le champ de Grelet
Capacity: 4 persons
In the countryside, former house ( 1930 ) adjoining the house of the owners.
Groundfloor: living-room, kitchen (30m2), toilets. Floor 60m2: lounge (sofa bed), 1st bedroom 1 bed of 150, 1 baby bed. 2nd bedroom: 2 beds 1 person, shower-rooms, independent toilets. Closed small courtyard. Own garden in lawn. Free WIFI access.
Holiday cottage opened all year long. .
Mrs Boiteau's holiday cottage
Le Champ de Grelet 37800 Noyant de Touraine
Phone number: +33 (0)6 61 70 63 05
- +33(0)2 47 65 82 19
Average season: 245€, high season: 300€, very high
season: 335€
Pets not allowed
La Morinière - les mésanges - les canaries
Capacity : 2 gites*** of 5 persons
In the heart of the
castles of the Loire, in a park raised with a pond for the practice of the rod fishing. Rent, in a semi-detached house without towards, two gites with independent terraces and all the modern comfort for five persons. Numerous activities on place, the peace and the relaxation, come to visit our troglodytic site of "Cave Fourte" and its underground refuge
2 gites 5 personnes, 1 Bedroom.
Reservation :
Mr et Mrs Bertrand Marcatel
5 rue de verdun
37800 Sainte-Maure de Touraine
Phone :
00 33 2 47 34 91 81
Fax :
00 33 2 47 34 91 81
E-mail :
Web Site:
Rates/ week:
From 270€ to 380€ accordind to the season
Sainte-Maure de Touraine
Le Grand Menasson
Capacity : 4 persons
At five minutes from the city center, close any conveniences, close A10 and RD910. You will find in this holiday cottage all the comfort which you wish, allied to the restful peace and to the simple pleasures of the campaign, at the edge of a pond fitted out for the fishing with a zone of bathing. It is in the seigneurial lodging house that is a magnificent holiday cottage of several rooms. Independent access.
Booking :
Mrs Requin
Grand Menasson
37800 Sainte-Maure de Touraine
Phone : 02 47 65 51 24 or 06 11 08 51 80
Site :
Sainte-Maure de Touraine
Les Lamberts
Capacity : 4 persons
Holiday home, situated at the end of the dependences of the house of the owners. Recently restored: 30 m2 on the ground floor including : living-room / kitchen, TV, shower-room, TOILETS. 20 m2 in the floor including 1 bedroom with 2 beds 90 and 2 bunk beds. Gas in supplement, private terrace, yard, swimming pool access with agreement of the owners.
Reservation :
Mrs Hérrault, Gouzil
37800 Sainte-Maure de Touraine
Phone number : 00 33 2 47 65 45 90
E-mail :
Low season: 180€ / week, high season: 250€
Sainte-Maure de Touraine's area
Les Etangs
Holiday cottage of the Tower
Capacity : 4 persons
In the heart of a still protected nature, you will live a medieval experience in a tower of the XVth century, the vestige of the former castle of Ponds. The tower can welcome 4 persons, the total surface is 100 m2 approximately, with two bedrooms. The peculiarity of its architecture led to an atypical arrangement. At the ground floor, stocked with its 3 gunboats, is fitted out the kitchen / completely
equipped dining room opening on the terrace, and one TOILET. At the first level
the stay with chimney, stocked with former furniture; at the second level a double room and a bathroom with TOILETS; at the third level a bedroom with two individual beds. A canopy allows to park the car.
Reservation :
Val de Loire Tourism
75 avenue de la Republique
37174 Chambray les Tours
Phone number : 00 33 2 47 27 56 10, fax : 00 33 2 47 48 13 39
http:// chateaudesetangs.free.fr/
: low season : 350€, averages seasons : 467€, high season : 584€, very high season : 642€, weekend : 292€
La Soultière
Totally independent, this holiday cottage situated in the South of Touraine will enchant you through its charm and its tranquility. This place, near the castles of the Loire, close to the Futuroscope and to the zoo of Beauval, will allow you to discover the wealth of our beautiful region.
The holiday cottage can welcome 4 to 6 persons. It consists of a small house with a 2nd single room, 2 shower-rooms, small garden, court, private car park.
Mr. and Mrs Sainton
4 Soultière 37240 Bournan
Phone number: +33 (0)2 47 92 01 62 / +33 (0)6 85 13 37 28
Rates: from 140€ to 490€ (weekend, week stay, on request)
Le Médiéval
Capacity: 2 to 3 persons
Ideal for a couple and a child, the "Medieval" holiday cottage is situated in a domain in the South of Touraine within a quiet environment.
Compound of a lounge, a kitchen, a porch windows of which are stained-glass windows, bathroom, formerbig fireplace.
Warm and welcoming, it is the ideal for whom wants to get fresh ideas in the open air. Fields and wood juxtaposing the domain, you can walk on foot or rent a horse or a bike to go for a hike.
Situated just a step from the castles of the Loire, the South of Touraine also has its charms and its gastronomic specialities to discover absolutely.
Domain of Pouge
Pouge 37240 Cussay
Phone number: +33 (0)950682296
: 150€ in 330€ / week (possibility overnight stay or weekend)
Le Fournil
Capacity: 2 persons
Ideal for a couple searching for peace and of tranquility, the holiday cottage is situated in a domain of 4,6 ha in South Touraine.
Compound of a spacious bedroom, a lounge with a sofa bed allowing to welcome the third person, a kitchen. The inside knew how to keep its former) side while allying the comfort and the modernity.
Warm and welcoming, it is the ideal for whom wants to get fresh ideas in the open air. Fields and wood being the only neighbors, you can walk on foot, or rent a horse, a bike to go for a hike.
Domain of Pouge
Pouge 37240 Cussay
Phone number: +33 (0)950682296
150€ in 330€ / week (possibility overnight stay or weekend)
Les Erables
Capacity : 4/5 persons
House of the XVIIth century, 100m2, 4/5 persons, cooks outing, washing machine, dishwasher, TV, garden, Bed for baby, barbecue, cycles to disposal, children's games, internet, prices including sheets and made beds. WIFI. Animals not accepted.
No smoking gite.
Mrs Sophie Jahan
Les Erables
37800 Draché
Phone number
00 33 2 47 65 14 70
Web site
Rates / week :
Low season : 290 €
High season : 570€
Very high season : 600€
Week-end : 250€
La Tour Saint Gelin
La Neronnerie
Capacity : 4 persons
Situated in the heart of Touraine and Castles of the Loire, holiday cottage of charm with all the comfort and the necessary equipment to spend a pleasant stay the time of a weekend or a week quite freely.
Capacity: 2/4 persons
Equipments: equipped kitchen (fridge/freezer/dishes wash/oven/microwaves oven / washing machine), lounge with sofa bed, a DTT TV LCD, WIFI. 1 bedroom, supplied sheets), bathroom (shower, toilets, inclusive bathroom linen). Access to the garden, the yard with garden furniture, barbecue.
Booking :
Mrs Dubois Yvonne
Phone number : 00 33 2 47 58 31 84, cellular : 00 33 6 62 01 06 85
Site :
Low season (November 1st to March 30th): 200€ a week
Average season (April 1st to June 30th, September 1st to October 30th): 210€ a week
High season (July 1st to August 30th): 260€ a week
Weekend: 120€
How to get
Map site
Legal Notices


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Email: firstname.lastname@example.com
Web: www.sisedu.net
The Surabaya International School is a private, coeducational day school which offers an educational program from preschool (age 3 by first of November) through grade 12. The School, founded in 1971, is established under Indonesian law with the status of a foundation (Yayasan). The school year comprises 4 quarters extending approximately from early August to mid-October, mid-October to mid-December, mid-January to mid-March, and mid-March to early June.
Organization: According to Indonesian law, the governance of the School has recently been revised. The Yayasan operates with a seven-member Board of Patrons, nominated by the parents or guardians of children enrolled in the School, a four-member Board of Managers, and a two-person Board of Supervisors.
Curriculum: The secondary curriculum and materials, including AP courses, are U.S. with modifications so that all students may return to their own countries or join other international schools with a minimum of academic displacement. The elementary program is IBPYP. The School is accredited by the Western Association of Schools and Colleges.
Faculty: In the 2011-2012 school year, there are 42 staff members.
Enrollment: At the beginning of the 2011-2012 school year, enrollment was 323 (PS-grade 12).
Facilities: The School has 50 air-conditioned classrooms, a wireless computing environment, a Black Box theater, three purpose-built science laboratories, a library, a gymnasium, a playing field, and a swimming pool. It is a 1-to-1 laptop school in grades 6-12.
Finances: In the 2011-2012 school year, approximately 82 percent of the School's operating income derives from tuition. Annual tuition rates are as follows: Prep 1: $4,004; Prep 2: $4,004; K.: $11,764; grades 1-5: $13,036; grades 6-8: $13,992; and grades 9-12: $14,496. An application fee of US$200 for each application and a building fund certificate of $2,200 per year is levied on all students, as well as a one-time registration fee of $1,650 for all new students, except Prep 1 and Prep 2. (All fees are quoted in U.S. dollars.)


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06-06-2005 Comments (0)
US group Adventrx Pharmaceuticals has initiated patient treatment in its 300-patient, international,…
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Welcome to annewaldron's Member Page
See my Clippings See my Journal See my trade list Send me an email
I just moved from Ohio to California (Redondo Beach). I'm getting into gardening and also love birdwatching.
I live in: United States
My zone is: SoCal,10
My favorite forum 1 is California Gardening.
My favorite forum 2 is New to Gardening.
First registered on June 10, 2004 .


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Chandelier ChandelierPin It Houzz |
. |
Related Info Tools |
Design by David Chipperfield, 2004.
Imported from Italy.
By FontanaArte.
Pendant luminaire. Structure in metal grey or black aluminum. Stainless steel suspension cables. Sandblasted borosilicate glass diffusers. Available in two sizes.
Notes: UL Listed. Note: Fixtures are made to order in Italy and have an approximate 16 week lead time, returns will not be accepted on these items.
Material(s): Metal, Glass
Lamp Type: HALOGEN
- UL5491: 14 X 50W 120V E11 (mini-can) halogen lamps (not included)
- UL5491/1: 19 X 50W 120V E11 (mini-can) halogen lamps (not included)
Listing: UL
Model(s): UL5491G UL5491N UL5491/1G UL5491/1N
David Chipperfield studied at Kingston School of Art and the Architectural Association in London. In 2004, Chipperfield was appointed Commander of the Order of the British Empire (CBE) for services to architecture. In 2006, he was appointed Royal Designer for Industry (RDI), and in 2007 he was made an Honorary Fellow of the American Institute of Architects (Hon. FAIA) and an Honorary Member of the BDA (Buned Deutscher Architekten). In 2008, he was elected a Royal Academician (RA) and awarded an Honorary Doctorate from Kingston University.
David Chipperfield's design philosophy rests on the belief that the best results are achieved through a synthesis of concept, beauty and functional integration.
See other lights/products from David ChipperfieldFontanaArte
Architect Gio Ponti founded FontanaArte in 1932 as an artistic division of the Luigi Fontana Company. Historically, the company has been a leader in advanced glass manufacturing and design. The company's works were first distinguished by its realization of artistic stained-glass windows, many of which are today still functional elements and ornamental features of churches and cathedrals, among them the Duomo of Milan and the Cathedral of Brasilia. By using glass, Ponti realized what an enormous potential this material could offer in the in the making of furnishing complements for interiors, and he started to design and produce furniture, lamps and objects with glass as the main distinguishing feature. Soon a new collection was ready to be marketed, and his new design concept was being used as a complement to the interior decoration of many houses that he personally designed. Over the years, FontanaArte has had many contributors to its designs, including Pietro Chiesa, Gae Aulenti, Pierluigi Cerri, Piero Castiglioni, Vico Magistretti, Vittorio Gregotti, Ettore Sottsass, Umberto Riva, Alvaro Siza and Renzo Piano.
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text: GILBERTSVILLE, Ky. (AP) — Some brave fundraisers will take a leap into chilly Kentucky Lake in a couple of weeks to raise money for Special Olympics. Kentucky Dam Village State Resort Park in western Kentucky is one of six sites for the event in Kentucky, including Bellevue, Owensboro, Lake Cumberland, Lexington and Louisville. Details are available at http://kentuckyplunge.com . The Kentucky Dam Village event is set for Feb. 15, Bellevue will be this Saturday, Owensboro and Lexington are Feb. 8, Lake Cumberland is Feb. 22 and Louisville is March 1. Participants in the Polar Plunge gather sponsors to raise money for the Special Olympics. This is the 16th year for the event in Kentucky, raising nearly $6 million for Special Olympics Kentucky programs in that time.


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U Street
Washington, DC, 20008, United States
Located on Connecticut Avenue in Woodley Park, Carbon is known for its selection of stylish, eco-friendly shoes, clothing, and accessories. The store, which opened in 2004, carries items from small, independent brand and designers that fit its sustainable chic mantra. Shoppers can find shoes from the likes of Liam Michael and Sanuk and clothing from Kim Schalk and Auralis Studio. Carbon also serves as an art gallery, hosting various exhibits. The civically-minded store supports environmental and worker rights causes.
Insider Tip:
Carbon offers personal shopping and wardrobe consultations through owner Katherine Limon's company, My Signature Look.
Open / Closes- Accessible by Public Transportation
Shop Type:: Shoes/boots


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I've been intrigued by this blog concept and thought I'd dabble. I'll be adding Revit related thoughts as they occur and I have time to do so.
I am a Revit Technical Support person for Wimberly Allison Tong & Goo in Newport Beach, CA. I also volunteer as the Revit Forum co-manager with the Autodesk User Group International (AUGI).
Visit www.AUGI.com for the Revit bulletin board forums


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About Aims
Aims Loveland campus celebrates where art and science meet
A two-story mural celebrating "where art and science meet" was dedicated on Sept. 21 at Aims Community College in Loveland.
The mural is a cooperative effort of the City of Loveland Art in Public Places Program, Aims Community College, the Erion Foundation, Mueller and Associates CPA, and Jeff and Mary Hiatt of the Bonnell Building. A call for proposals was sent out over the summer, and artists were asked to submit a design for the mural based on the "where art and science meet" theme.
Stephanie Ruelas of Johnstown submitted the winning design. Ruelas also just happens to be an Aims student. Her design evokes a moonlit night with birds in flight. Science is woven into the mural using both DNA code and the Fibonacci mathematical sequence.
"This has been such an amazing blessing and I feel so grateful," Ruelas said. "This came from my first design class so it's a really special thing for me to see something I made and something from my heart. This whole experience has been so moving."
Sheldon James, a professional muralist, oversaw the project, which called for transferring Ruelas' proposal into a 30 by 50-foot brick wall that faces west. Local elementary and middle school students helped with the project.
Stop by and see the mural at the Loveland campus, located at 104 East 4th Street in downtown Loveland.


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Home » NewHampshire.com » A&E
Fundraiserfor firefighters wraps up Saturday night in Nashua
With some of the money dedicated to the Nashua Fireman's Relief Association and the rest going to the Leary Foundation, event organizers said the money will be going to a good cause.
Deputy Chief Kevin Kerrigan, who is also president of the relief association, said that actor Dennis Leary started the Leary Foundation after he lost friends in a Worcester, Mass., fire. He added that the nonprofit does an excellent job of purchasing equipment for departments that can't afford it.
For a minimum of $1, patrons can purchase a small cutout of a fire helmet, which is then mounted on the wall of the restaurant. Peddler's Daughter Manager Tom Douggan, who said he is not sure how much has been raised so far, said, "It's been going well, the community has been very receptive, and it goes hand-in-hand with the fire department."
Douggan said fireman helmets are plastered on the walls all across the restaurant.
Kerrigan said the money would be very useful for the relief association, which is designed to help firefighters and their families when someone is hurt or killed on the job.
"It is just a small monthly amount, not very much, it is just meant to help each other out, almost like small insurance for local firefighters," Kerrigan explained.
Kerrigan added the relief association also operates soda and candy machines for firefighters who are on duty and can't leave the building, maintains the department's honor guard, and helps raise money for the Nashua Children's Home and local soup kitchens.
"We raise money for us but we also give back to the community," Kerrigan said.
He added he was very appreciative to the staff of the Peddler's Daughter.
"I think it's great they are willing to do stuff like this and sponsoring events down there. They are very good about supporting the community," he explained.
NH Angle >> Human Interest |
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0 Video: English Cockers and one French Bulldog enjoy the blizzard of 2015
0 1 of 4 remaining World War II Doolittle Raiders dead at 94
0 Meet Ida May Fuller, recipient of the first Social Security check numbered 00-000-001
0 Rare Ford GT40 worth millions under restoration in NH
0 Viral video of NH puppy sliding on ice makes DailyMail.co.uk
0 NHPR Audio: North Country moose study aided by research 'muggers'
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Mark Hayward's City Matters: Manchester man gets his stolen Cadillac back along with a $125 tow bill


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Hi FFG,
I'm a big fan of fantasy flight games, I really appreciate you guys making tutorial videos for a lot of your games on youtube, I have found them helpful on several occasions. I was curious though what programs you guys use to make the videos? are they 3D animations you make in a 3D modeler or are they made in something like flash or adobe premier? or a combination of a few of these? I have an interest in learning to make videos like these for some other things. I would really appreciate some information on the methods used in there production (mainly what kinda programs are used as I said) or at the very least mabey point me in the direction of where I could find out.
Thanks a bunch, keep making great videos and great games.
Youtube Tutorial Videos
Started by
, Jun 25 2013 03:56 PM
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Posted 25 June 2013 - 03:56 PM


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May 13th 2014
Dan Nailen's Lounge Act: Pioneer's retro romp
"Sweet Charity" has a little something for everyone. Read More
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Retro-style metal mayhem rules the Saltair on Friday. Read More
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Holly Golightly and the Brokeoffs headline Tuesday at Kilby Court. Read More
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Roots-rock legends The Blasters come to SLC this weekend. Read More
Anvil, stars of a Sundance documentary, headline a show at Burt's Tiki Lounge Tuesday. Read More


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Latest News, Hints, Tips & advice
2015-01-30 16:02:55
Why we love our stripes!
In Nature, stripes are often a kind of camouflage – think about tigers hidden in the long grass. But in our homes, stripes are something quite different – a standout style statement that can turn an ordinary room into something that's definitely got the wow factor!
2015-01-28 10:00:45
Top tips for a great snooze!
We all love a good sleep, but for a huge number of Brits, that just doesn't happen – the British Snoring and Sleep Apnoea Association (yes, it really exists!) says around a quarter of us suffer from a sleep disorder.
2015-01-26 10:14:14
Red and gold – real Winter warmers!
I've just come in from a freezing morning's shopping, and I'm feeling really fed up with all the grey skies we're having at the moment.


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Latest News
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This was no laughing matter, but Justin Bieber found the lighter side of his legal mess whilst in the Miami lock-up, RadarOnline.com has been told.
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text: Which look is best? Rose Byrne Before: Long Hair After: Short bob and bangs Try on Rose Byrne's hairstyles in the Makeover Studio! Photo: © (Before) Jim Spellman/WireImage (After) Dimitrios Kambouris/WireImage Back 1 of 1 Next Next Gallery share on pinterestshare on facebook posted by Megan Segura Previous:The Makeover Poll: Cameron Diaz Has A New Bob! Next:The Makeover Poll: Katy Perry Goes Blue Related Articles


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We are officially past the halfway point of the NFL season, and the injuries are piling up and causing chaos for fantasy owners. Our fantasy guru, James Morris, provides all the news and info you will need to make the best possible decisions to get you into the fantasy playoffs and have a shot at winning the league title. Read More
You've made it to the come-to place for all your injury news and updates so you can win your fantasy league in week 5. Check back before the games start throughout the day as I will update the page with any news you need to know. Read More
Week 4 of the fantasy season was filled with big-time performances, including some eye-popping numbers by the Dolphins. Our fantasy team of James Morris and Jon Cope recap all of the fantasy news from an eventful week, and let you know which players might be available to help your team in week 5. Read More
Managing a fantasy football team can be like the playing the stock market; you always want to "buy low" and "sell high" when making trades to upgrade your roster. This week our fantasy team of James Morris and Jon Cope give your their opinions on several players who have substantially surprised or drastically disappointed fantasy owners this far in 2012. Read More
The NFL has undeniably become a passing league and if you don't adapt, you may be left in the dust. But what does that mean for the running back?
If NFL franchises aren't investing in running backs like they used to, it isn't necessarily an indictment of an individual's talent; for instance, many scouts felt that Trent Richardson's was one of the–if not the–best prospect in April's draft.


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Updated May 2, 2014 - 7:46 am
Accident closes I-10 west of Phoenix
TONOPAH, Ariz. -- Westbound Interstate 10 was closed Friday morning in Tonopah west of Phoenix because of a rollover accident involving a tractor-trailer rig.
The Arizona Department said there was no estimate on when westbound I-10 in Tonopah will be reopened.
ADOT advised westbound travelers to either delay travel or to use alternate routes such as Interstate 8.
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We said good-bye to our stuffed Santa and Rudolph this morning. Yesterday, Monkey helped me take down the tree and the rest of the Christmas decorations. (I knew that if I didn't do it now, it'd be another month, and I hate dreading the take down.) We talked a lot about the holiday, and how it was over, and how Monkey should play with Santa and Rudolph for one more day, and sleep with them for one more night, and then it'd be time to put them away.
He made good use of his last day, playing sleigh, loading it up with presents, and saying "Ho Ho Ho, Merry Christmas to all." Santa got hurt going down the chimney, but Monkey gave him a bandaid. I keep saying this, but I'm just amazed by the imaginative play.
Monkey wanted to know what was coming next--"Halloween?" He asked if we'd get more pumpkins. We told him the next holiday would be J's birthday, so that was exciting for him. I asked him what we should do, and he said we needed candles. Of course, that means for the next two weeks, we'll be talking about baking a cake and singing "Happy Birthday," but it helps for him to look past Christmas. I just love how much he embraced the holidays this year...I'm looking forward to next year, too. The poor kid wanted to know when his birthday would be, but with 5 more months till he turns 3 (crazy!!), that's way too long for him to grasp.
Then, this morning, I let Monkey have the extra special treat of coming up to the attic with me, so he could put Santa and Rudolph away. He always wants to know what's up there when I pull down the ladder, so he was more interested in looking around than in saying goodbye to Santa and Rudolph. He gave them a few final kisses and hugs, and then he was all set to say good bye. Later, he found the ribbon "harness" he'd been using and told me that needed to go away in the attic, too.
It all seems to be successful, but we'll see how it goes tonight when I pick him up from daycare! At least there will still be Christmas lights around to look at on the drive home, though of course, those will be soon disappearing, too.
Totally random digression, but I just wanted to capture it here: we went to see a holiday lights display, and Monkey starts yelling excitedly about the "crack-a-nuts." I can't figure out what he's talking about until I see the toy soldiers and finally realize he means "nutcracker."
He also still calls an octopus "opposite" and a granola bar is an "oll-gi-bar." I love these mix ups...I know soon enough they'll fade away, just like "yo yo" (yogurt) and "toe" (toast) faded.
And finally, a Moose update: he's been sick with bronchiolitis :( Friday night, we went into a pediatric urgent care center because he was wheezing a lot. They gave him three back-to-back nebulizer treatments and started him on a dose of steroids. He tested negative for RSV though, and no pneumonia or ear infection or flu. We've been doing the neb every 4-6 hours since then. Monday the symptoms seemed to peak, with a slight fever in the early AM, but we were headed back to the doctor for a follow-up anyway. Basically, nothing new had happened, and we just need to keep doing what we're doing. He is certainly the happiest sick baby I've ever seen though--nothing seems to bother him. He isn't even waking that much more--3 times a night as opposed to 2, which happens on our good nights. (We do still have lots of bad nights with more frequent wakings.) Sometimes, though, he's harder to transition back down, but that's all.


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Garret Kramer's consulting protocol revolves around the innate principles of Mind, Consciousness, and Thought; and the inside-out foundation of the human experience. Unlike the majority of mental-conditioning coaches or sports psychologists, Garret does not provide tools, techniques, or strategies to his clients. Instead, he teaches how the human mind operates. It is this understanding that allows answers to become obvious and performance levels to improve naturally, with ease.
Garret Kramer works with individual clients in three ways:
- In person, either at the offices of Inner Sports or at a location convenient for the client.
- Via Skype.
- Over the phone.
Regardless of location, meetings are conducted over two or three consecutive days. Hourly sessions are available upon request. Garret is also available, on a limited basis, to clients on a yearly retainer basis.
Contact Garret Kramer directly at email@example.com.


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What a cute cow! I love the light leaks, too. Very cool shot!
Thank you))))))) And I like the light leaks, but unfortunately they happened by accident and I don't know how to repeat it =))


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Tue, Jan 27, 09 at 16:23
Follow-Up Postings:
- Posted by coconut_palm 8B (email@example.com) on Sat, Feb 7, 09 at 23:30
I have a Bachelor of Science Degree in Agriculture, and I can honestly tell you, DON'T CLONE! It is Frankenstein "science" and is causing all sorts of unexpected problems in humans as well as nature. It is causing heretofore unknown allergies and is wiping out the bees as they visit cloned and genetically modified (aka genetically TAMPERED WITH) fruit and vegetable flowers! Don't do it! It's not legitimate agriculture! John |
The cloning (tissue culturing) that I am talking about has absolutely nothing to do with genetic modification. It's, basically, just producing, and rooting, lots of tiny cuttings. |
You are quite correct, John. Any form of vegetative reproduction, whether artificial or natural, is "cloning", and, in itself, is not at all harmful...........unless, of course, one cloned countless thousands of a species such as to obliterate genetic diversity......but that is an improbable extreme. Genetic manipulation is a completely different kettle of trouble, and we have the untouchable mega-corporations such as Monsanto to thank for that. Artificial genetic manipulation is just plain sick as far as I am concerned. Inserting fish genes in a tomato or producing sterile corn is straight from the X-Files! |
Coconutplam, Please cite references in support of your claims. A categorical denial of all cloning is a bit over-the-top and extreme to say the least. Lumping cloning and genetic engineering/modification into the same category is irresponsible at the very least. I take exception to your characterization of cloning, or tissue culture as 'Frankenstein science'. Frankly, with the issues facing the food supplies of the world, thankfully there are PhD researchers out there working to provide safe, sustainable foods. To say that the bees are being wiped out is a vague generality, especially since you have said it in the same breath as cloning. I won't even get into a discussion of your claims that cloning has resulted in 'heretofore unknown allergies' and 'is causing all sorts of unexpected problems in humans.' Many people have food allergies and genetic predisposition to certain chemicals in food that have existed long before cloning. While it is true that GM has caused some problems, cloning should not be categorized as GM. I will have more respect for your opinion if presented in a format without the sensationalism of a Hollywood tabloid. As a fellow scientist, you know the importance of credible sourcing in support of your position. To make rash public statements such as these undermines the credibility of the scientific community as a whole. Please understand that I am not attacking you personally, I just do not approve of the method, the generalities and tacit warnings employed to make such definite conclusions. I am also not looking to engage you in a protracted ethical debate. I have said my piece and will leave it at that. |
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Mortgage Refinance
As a homeowner, you may have considered refinancing your mortgage. Before taking this step, it's important to know the pros and cons of refinancing.
What Does a Mortgage Refinance Entail?
Refinancing means that you're paying off your current mortgage and creating a new one. A mortgage refinance essentially replaces your first home loan while using the same assets as collateral.
In some ways, the refinancing process does not differ all that much from what you experienced while obtaining your original loan. You'll also pay costs that are similar to the first loan.
Here's how the home mortgage refinancing process works:
- Evaluate whether a refinance home loan makes sense for your individual situation. There are three major reasons to refinance: to get a better interest rate or terms of payment; cash out of your home; or a combination of the two. Also, ask yourself how long you plan to live in your home. If you plan to move in less than a year, you will likely not recoup the closing costs associated with mortgage refinancing.
- Understand your financial situation and credit rating; those with a better financial history will get a better rate on their refinance loan.
- Calculate your monthly expenses after obtaining your mortgage refinance, as well as any closing costs involved.
- Research mortgage consultants and be sure to meet with your top choices before making your final decision. You should feel confident about the consultant of your choice; don't hesitate to ask for professional references or do an online background check before entering into any agreement.
- Apply for your home refinance loan. Your mortgage consultant will be able to present a variety of options based on your personal financial situation, risk tolerance, credit rating, and how long you plan to remain in your home. Your mortgage consultant must also give you a good-faith estimate of all closing costs within three days of your refinance loan application. During this part of the refinance process, you'll also need to gather documentation pertinent to your credit and financial histories. After this is all gathered and all forms completed, your mortgage consultant will submit your application for approval.
- After your refinance loan is approved, you'll probably need to submit additional documentation requested by the underwriter. This is your opportunity to review your loan approval to make sure you understand the loan program, amount to be financed, and approved interest rate. You'll get a closing statement a week or so before closing; review this carefully to make sure you understand all terms and fees. Provided all requests from the lender have been met, you'll be able to sign your loan documentation and receive your home refinance funds.
Video: How to refinance a mortgage
When Does Refinancing Make Sense?
There are a variety of reasons to refinance your home loan. If interest rates have fallen since you obtained your original loan, or if you expect them to rise in the future, you may want to refinance your mortgage in order to lock in favorable rates.
Perhaps your credit has improved since you were approved for your original loan, and you believe you now might be eligible for a home loan with lower rates or more favorable terms. Additionally, you might wish to switch to a different type of mortgage – for example, you might currently have an adjustable-rate mortgage, but wish to switch to a fixed home loan in order to lock in those lower rates.
Many people also choose to refinance to a lower rate in order to gain substantial savings on their mortgage payments, thereby freeing up extra money each month. Others may wish to take advantage of the Home Affordable Refinance Plan, a $75 billion federal program offering homeowners with mortgage loans owned or guaranteed by Fannie Mae or Freddie Mac the chance to refinance to more affordable payments.
However, there are circumstances under which refinancing does not make sense. If you plan to stay in your house for a shorter term, you will likely not recover the costs involved with a mortgage refinance. Additionally, if you've had your mortgage for a long time, refinancing late in the loan term resets the loan amortization process, meaning that most of your monthly payments will go toward interest rather than paying down the principal.
If your current mortgage carries a prepayment penalty, you may be charged for paying off your home mortgage loan early. This will increase the amount of time it takes for you to break even in terms of cost. You should also not refinance your mortgage if you've already stripped the equity from your home, since you'll get the best rates if you borrow less than 80 percent of your home's value. Finally, if your credit is poor, it may pay to postpone refinancing until you can qualify for more favorable terms.
Homeowners often make the mistake of refinancing their mortgages to cover debts such as credit cards. This can turn short-term debt into longer-term debt, when the better option is to pay down the credit cards and wait until the debt is less of an issue before attempting to refinance. Additionally, it also means putting a major asset – one's home – on the line for an unnecessary reason.
What is the Difference Between a Refinance and a Second Mortgage?
A mortgage refinance differs from a second mortgage in that refinancing can offer extra cash in addition to lower rates, while there is no extra cash involved with a second mortgage. Closing costs also differ – second mortgages have lower closing costs than refinance loans. However, those higher costs may be compensated with lower rates over time.
Second mortgages carry the advantage of allowing borrowers to quickly build equity in their home, as opposed to mortgage refinance loans which reset the amortization clock, resulting in more money going toward interest than principal in the beginning.
Video: How to get a second mortgage
What Are The Home Mortgage Refinance Costs?
Though a home mortgage refinance will hopefully save you money in the long run, keep in mind that you will incur costs by refinancing. Typical closing costs will run you between 2 and 3 percent of the total loan amount. They may include the following fees:
- Application fee: This ranges from $250-$500, with an average of $400.
- Title insurance: Though this differs by state, typical costs are $225-$400.
- Document preparation fees: These range from $200-$400.
- Lender closing fee: The nationwide average is between $725-$750.
- Settlement fees: Approximately $350.
- Title examination: This differs from state to state, ranging from $150-$450.
Remember, it pays to shop around to compare the most competitive closing costs on your home mortgage refinance. Don't just go with the first offer you see – do your research before signing on the dotted line.
Mortgage Refinance Calculator


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Konami's released new screens and gameplay footage from Metal Gear Solid: Snake Eater 3D for 3DS.
As you can probably guess, pretty much all the screens are shots of Snake either skulking around in various environments or getting ready to take a helpless solider down. They never see him coming. Ever.
Konami confirmed this summer that the game's release has slipped to next year. It didn't provide a reason for delay, saying only that it would be out in "2012".
Snake Eater will also be released on the PS3 and Xbox 360 in November as part of the Metal Gear Solid HD Collection.


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Your email has been sent.
Daybreak: 'Terror Cell' Blamed For Jordan Attack
Plus the Israeli with 17 wives, and more in the news
• Jordanian authorities arrested several suspects in connection with yesterday's bombing of a convoy carrying Israeli diplomats from Amman to Israel (an assault in which no one was injured). Jordanian news outlets fingered a "professional terror cell," and warned of similar future attacks. [JPost]
• Haaretz's military correspondent guesses that the attack was launched by either al-Qaeda affiliates or Hezbollah. Though the attack's failure was due to sloppy execution, he notes, it also evinced excellent intelligence and thorough planning. [Haaretz]
• Israel's ambassador to the Dominican Republic, who also is the envoy to Haiti, visited the devastation and briefly saw the Haitian president. "As of yet, there is no one around to provide a solution to this catastrophe," he related. [Haaretz]
• Goel Ratzon, an Israeli who is the self-appointed leader of a quasi-cult, was arrested for alleged enslavement and sexual abuse. He was living in a compound south of Tel Aviv with his 17 female partners and their "at least 40" children. [NYT]
• An anonymous source claimed that Israel might be open to "proximity talks," under which a mediator—likely U.S. envoy George Mitchell—would shuttle between it and the Palestinian Authority as a form of peace negotiations. [JPost]
• Leib Frank, a godfather to Israel's South African community, died at 91. [Haaretz]


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Free shipping
with a $60 purchase!
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This product works with the following iHome models:
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View the iN8W14 support page for registration, FAQs, and more.


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Editor Danny Kraakman
Release 3.2
FreeBarcodeworks is a tool designed specifically to add a barcode. Barcodeworks is an extension of Microsoft Word to create barcodes of types EAN-8, EAN-13 or JAN code in your document. As it inserts the barcode as a word-image composed of lines and available figures, it does not require special fonts to do so. The documents, including its barcode can be sent to other users without having to install special software. In addition, the extension can also be used to create barcodes that can be copied into other applications such as Illustrator.
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Latest update on Tuesday July 27, 2010 08:00:27 AM


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Events include workshops for Spanish-speaking consumers, press conference
SEATTLE & SPOKANE – The Washington State Attorney General's Office has teamed up with nonprofit organizations and government agencies to sponsor several events in conjunction with National Consumer Protection Week (Feb. 4-10).
WHAT: National Consumer Protection Week Activities including consumer workshops in South Seattle and a press conference in Spokane
WHEN/WHERE: Seattle and Spokane. See below for specific activities.
WHY: To educate consumers about their legal rights, how to avoid scams and make wise purchase decisions, and where to complain if something goes wrong.
Norma Chavez with the Attorney General's Office Consumer Protection Division will conduct two different consumer workshops in Spanish on Feb. 2 and Feb. 9 at Centro de Informacíon Hispano, 8525 B 14th Ave. S (corner of Cloverdale St. and 14th Ave. S) in South Seattle. Both workshops begin at 6 p.m. and are free.
The Friday, Feb. 2, workshop will include information on scams such as wire transfer fraud, counterfeit check overpayment scams, foreign lotteries, and bogus sweepstakes.
The following Friday, Feb. 9, Chavez will provide advice to help consumers make smart financial decisions. Topics will include banking; establishing credit and repairing your credit record; and how to distinguish between predatory lending and a fair loan package. Loans and interest rates related to car and home purchases, college tuition and payday lenders will be covered.
Representatives from the Seattle Library will also be available to answer questions about programs and resources for immigrants and refugees.
Sponsors include Centro de Informacíon Hispano, the Seattle Library's new South Park Branch and the Attorney General's Office. Consumers can call Centro de Informacíon Hispano at 206-767-7445 for more information.
The U.S. Postal Service, Attorney General's Office and Better Business Bureau have scheduled a joint press conference Feb. 5 in Spokane.
The Press conference will be hosted in the lobby of the main Post Office Building, 904 W. Riverside, from 11:30-noon. Identity theft prevention and education will be the focus.
The theme of this year's Consumer Protection Week is "Read up. Reach out. Be an Informed Consumer." The annual campaign highlights consumer education. For information, see the Federal Trade Commission's Web site at www.ftc.gov/opa/2007/02/ncpw.shtm.
Organizers include the National Association of Attorneys General, Federal Trade Commission, Federal Information Center, U.S. Postal Service, U.S. Postal Inspection Service (USPIS), Federal Communications Commission, National Association of Consumer Agency Administrators, National Consumers League, AARP, Better Business Bureau (BBB), Call for Action, and Consumer Federation of America.
The following sources within the Attorney General's Office Consumer Protection Division are available for interviews and story ideas –
– 30 –
Media Contact: Kristin Alexander, Public Information Officer, (206) 464-6432


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Mon, Sep 10, 12 at 15:32
Some of you may remember my desire for a glass countertop. In particular, I am interested in ThinkGlass. Today I found and called an installer with some questions and ball park price for about 30 square feet of counter top. The estimate was 350-400 dollars a square foot. Gulp.
That includes material, glass sitting on stainless steel, LED lit. Probably out of my price range... |
Follow-Up Postings:
- Posted by AnnieDeighnaugh (My Page) on Mon, Sep 10, 12 at 17:32
I can tell you that my cesarstone counter top is made with recycled glass, and where the glass is, there are a few very tiny chips as it is no where near as strong as the quartz. So in addition to the cost, there's that. |
Yes, saw one in a showroom the other day and assumed it should be cheaper than "solid" countertops, but no such luck. :-( |
You dodged a bullet by not being able to afford those! Ii know a kitchen with glass counters that went in a little over 2 years ago, and before 2 years were out they had chips in the edges, including one chip that is literally almost 4 inches wide--that's right, a 4-inch chunk of the edge came off, apparently because someone knocked their coffee cup against it. Glass is very brittle. It's really not suited for an actual kitchen that people use to make meals! |
- Posted by westsider40 (My Page) on Tue, Sep 11, 12 at 21:21
Thinkglass is gorgeous. I, too, called them. Was too complicated and pricey for me. Shipping from Canada, separate installer, etc. |
Someday I hope they get cheaper and people put them in. I am thinking about how to introduce a bit of the look into my backsplash. |
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HELENA — Lawrence VanDyke is back on the ballot for Supreme Court justice, but he starts out at a big disadvantage in campaign fundraising in his race against Justice Mike Wheat.
On Tuesday, the Montana Supreme Court reinstated VanDyke to the November general-election ballot. It reversed an April 25 decision by District Judge Mike Menahan of Helena that removed VanDyke from the fall ballot on eligibility grounds.
Campaign finance reports filed with the state Commissioner of Political Practices offices show that VanDyke had raised a total of $18,560 and had $4,484 left in the bank on July 5.
In comparison, Wheat had raised a total of $76,570 and reported having $67,923 left in the bank on July 5.
VanDyke's fundraising hit a brick wall after Menahan declared him ineligible for the November general-election ballot.
Campaign finance reports showed VanDyke had raised a total of $9,795 through April 5, $13,890 through May 14, $18,040 through May 24, $18,560 through June 17 and the same $18,560 through July 5.
VanDyke's cash on hand, or money left in the bank, totals went from $3,118 on May 14 to $5,824 on May 24, $5,919 on June 18 and $4,484 on July 5.
Meanwhile, Wheat's campaign fundraising total went from $20,000 on April 5 to $64,530 on May 14, to $67,530 on May 24, to $67,270 on May 28, to $75,060 on June 18 and to $76,570 on July 5.
Likewise, Wheat's cash on hand totals grew from $20,000 on April 5 to $59,156 on May 14, to $61,886 on May 24, to $66,413 on June 18 and $67,923 on July 5.
VanDyke's name remained on the June primary ballot because the ballots were already being printed when Menahan's decision came.
In the primary, Wheat had 62 percent of the votes, while VanDyke had 38 percent.


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If you proclaim that you're a natural light photographer when the issue of purchasing an external flash comes up, consider yourself one of many. It's possible that the reason why many people say this is because they're afraid that their images will come out looking overexposed with large areas totally blown out in the histogram. We're here to take your fear away with an easy to swallow guide to using a bounce flash.
What is bounce flash?
Bounce flash is taking the light emitted from a flash's head and aiming it toward a surface away from your subject so as to illuminate them with soft, subtle, even lighting. In English, that means that if you purchase something like a Canon 580 EX II that your flash will almost never be pointing forward at your subject. Also note that bounce flash requires a flash unit with a tiltable and adjustable head.
So what are your options? Since the flash head swivels up and down and around in a hokey-pokey fashion, aiming the light at another surface is what your exposures will be all about. If your subject is right in front of you and there is a wall positioned behind you, aiming the flash towards the wall is a smart idea. Here's what happens:
Of course, this is only one way to use a bounce flash. You can always point it towards the ceiling, which is one of the most common tactics of most photographers.
Additionally, you can even use items like bounce cards, reflectors and Rogue Flashbenders to add further versatility. The latter can be molded and shaped into nearly anything you'd like and will help you save space in your camera bag when traveling.
Why should I get a bounce flash?
The main reason to go out and purchase a bounce flash is because you'll be able to shoot better quality photos. Additionally, it will get the creative juices going for ideas and projects using the brand new DSLR that you've recently purchased.
Even with the proper settings, professional quality images can be shot with a point-and-shoot camera and bounce flash.
Believe it or not, adding a bounce flash to your camera will futureproof it for a longer period of time. Think of it this way: why upgrade to a newer DSLR if you can take better photos with your older one? Sure you may want HD video like in some of the newer models, but you won't necessarily be able to shoot better photos with a newer DSLR. Using a bounce flash can breathe new life into your older camera.
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Ready to keep pace, this hiking crew will never fail on mountain missions. MerinoMax soft merino wool with NanoGLIDE™ technology weaves microchannels of its extremely hydrophobic, durable and anti-friction fibers throughout the sock's fabric, eliminating bulk while delivering unprecedented dry, friction-free comfort. Durable, reinforced full footbed cushioning, plus arch support. Merrell socks are proudly designed and made in the USA.
• MerinoMax Technology
• NanoGLIDE™ Technology
• Arch band support to fight fatigue
• Mesh zones for breathability
• Fully cushioned foot bed buffers rough terrain
• Reinforced footbed for durability
Fabric: 55% wool, 30% nylon, 13% nano glide nylon, 2% lycra spandex
3 Year Guarantee on all Merrell socks. Merrell socks are guaranteed to perform above your expectations, providing comfort and durability for three years or more. See the Returns/Exchanges portion of Merrell.com for details.
Sized as Expected
Bought a pair of these socks at the Merrell store. Was skeptical when the sales woman told me I would get hooked on these socks. I wore them with a pair of Merrell shoes when I mowed the grass. My feet felt like a million bucks. No cotton socks with sweaty feet- these socks kept my feet cool and dry. Would like to order more but they are currently out of my size so I will have to make one pair suffice until I can purchase more.
Sized as Expected
I am using it as a work sock for when I mow and work in the yard
So comfy and the wicking tech works fantastic. Not sure there's another brand out on the market that offers a 3-yr guarantee. Definitely coming back!
Awesome! We want your feet to be staying dry and comfortable.
Sized as Expected
These socks have excellent padding on the foot bed and feel nice and soft. Sized as expected. Looking forward to using these on my next hiking trip.
We know they will be perfect for your next hike and will keep your feet comfortable throughout the day. Thanks for the great review!
Light, breathable yet durable.
Great! We appreciate your review.
Sized as Expected
Casual hiking


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DeLonghi 12,000 BTU Portable Air Conditioner w/ Remote - White Model:N120E
DeLonghi 12K BTU Portable Air Conditioner
Cool your home or office with the DeLonghi 12K BTU Portable Air Conditioner (N120E). This amazing portable air conditioner offers you all of the features that you have come to expect from a large and expensive built in or window unit, in a convenient and portable platform that can be utilized in multiple rooms and is convenient to fit your specific needs. This PAC from DeLonghi was designed to be eco-friendly and utilizes R410a refrigerant which is more efficient than many of the alternatives and does not harm the environment. With a hard composite shell, this air conditioner is durable and strong enough to withstand the day to day abuse that you can throw at it and will be sure to be useful for years to come.
The electronic controls on this air conditioner are controlled with a touchpad digital control panel, or via a convenient remote control that can set all of the functions from a distance. The functions of the unit include three (3) high power fan speeds, a 24 hour digital on/off timer, a fan only mode, and a dehumidifier function. DeLonghi has created an exclusive condensate recirculation system that ensures that this unit is entirely drip free, so you won't have to worry about emptying a drip pan, or running a drain tube that is awkward and can lead to tripping. Another convenient feature of this unit is that it is designed to operate incredibly quiet, so although cooling your room, it wont take over the sound waves as well. This unit is perfect for cooling rooms between 400-425 sq. ft. and would be a great addition for anyone looking to cool without breaking the bank on an expensive built in unit.
Eco-Friendly Refrigerant:
This A.C. utilizes R410a refrigerant which is more efficient then many alternatives and does not harm the environment24 Hour Digital Timer:
Set the on/off timer on the unit to cool for an entire dayRemote Control:
Adjust the settings on this versatile air conditioner from a distance with an included remote control


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Talking to the press on Monday after the firing of his head coach and his general manager, Martin St. Louis did not sound like a man willing to patiently wait while the team around him was rebuilt, and he hinted that perhaps Tampa Bay was no longer an ideal fit for him:
"I want to be on a winning team. It's three years of this and (we're going) back to square one, so I want to be on a winning team. That's the biggest thing. I'm not getting any younger. We'll see how it all shakes out this summer."
It's difficult to blame St. Louis for being frustrated. He may have had his most dominant season before the lockout, back in 2003-04, but he's averaged 90 points over the past four seasons and only been in the playoffs once – recording eight points in just six games.
If St. Louis – who turns 35 this summer – is serious about joining a winning franchise, and if he believes the Lightning are not going to be a winning franchise in the near future, the team may have no choice but to trade him. St. Louis' current deal expires at the end of next season, at which point he's free to do whatever he wants and there isn't much the Lightning can do about it.
He was the team's best player over the past season, and if they're looking for a quick turnaround his name must be near the bottom of players they'll be looking to move. But they certainly can't let him go for nothing.
The bottom end of the Eastern Conference is weak enough that it's plausible the Lightning could jump into playoff contention next season, particularly given the core of young players they have. If they do so, they'll want St. Louis on board, and thus won't want to trade him in the summer. On the other hand, his value is likely to be higher in the summer than at next season's trade deadline if the Lightning find themselves out of the playoff race.
It's a difficult situation, and it may be best for the team to move him sooner rather than later.


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If you're a credentialed journalist for a media outlet, you can receive the latest issues and topics in food and nutrition delivered direct to your inbox.
6/13/2012 4:38:30 PM by Martin M Yadrick MS MBI RDN FAND
I just completed an on-line graduate course on Ethics in Informatics. One of the requirements was to complete a class project (term paper or voice-over PowerPoint) on an issue related to ethics. Since I'm always trying to pull nutrition into any informatics class forum discussions or projects, I decided to do my project on Ethics in Dietetics Practice.
Like you, I had heard of the Academy's/CDR's Code of Ethics but knew very little about any specifics of the Code. Did you know that it includes 19 principles? Here's one example, Principle #13, under Responsibilities to the Profession: "The dietetics practitioner presents reliable and substantiated information and interprets controversial information without personal bias, recognizing that legitimate differences of opinion exist." J Am Diet Assoc, 109:1461-1467.
If someone asked you to describe an ethical issue in informatics, you'd probably think of accessing a patient's electronic health record without authorization, such as has been reported in the news over the past couple of years. But think about how often we access and then use information found on the web - do we always cite our source? Ethics in our profession includes not only respecting privacy and adhering to copyright laws, but also being culturally competence, practicing based on evidence, recognizing when conflict of interest exists, and staying competent in practice via life-long learning.
Fortunately, there are a wealth of resources available to RDs and DTRs via www.eatright.org and the Journal of the Academy of Nutrition and Dietetics. There are regular Ethics in Action articles in the Journal, as well as Ethics Opinions. Our website includes several videos with case studies related to ethics. There are forms to file ethics complaints, and the Code describes this process in detail, as well as the appeals process. Every RD and DTR should make him/herself aware of this information so that we continue to practice with ethics and integrity.
11/2/2013 9:54:34 AMLindsey, I am interested in reviewing this document but am unable to access it even when logged ... more »
11/2/2013 8:29:21 AMthe webauthor link isn't working
10/31/2013 7:16:49 AMIs it possible to share this tool with us?
10/16/2013 8:49:19 AMCan you share? I would like to be able to share with intern how sites are tracking.
7/9/2013 9:13:00 AMI couldn't agree more. Margaret and Elaine, along with other subject matter experts, are doing a fan... more »
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Department of Human Performance, Sport, and Health PE 200B
Phone: (218) 755-2940
(218) 755-3898
Mailing Address:
1500 Birchmont Drive NE, #29
Bemidji, MN 56601-2699
The exercise science minor is open to any major and is particularly useful if you are in one of the pre-professional programs such as, pre-medicine, pre-physical therapy, or pre-occupational therapy, or if you are a nursing major.
Your studies in exercise science will be an immersion in the study of movement and physiological responses. You'll gain a broad background in the sciences related to exercise, including anatomy, biomechanics, exercise physiology, sport psychology, and motor development and learning. You'll have hands on training working directly with people in our exercise science and biomechanics labs, and you'll gain professional experience through an internship in an area of the field you are interested in pursuing professionally.
Dr. B Christina Kippenhan
Department of Physical Education, Health and Sport
Phone: (218) 755-2076
Location: PE 210
Dr. Donna Kay Palivec, Chair
Department of Physical Education, Health and Sport
Phone: (218) 755-2047
Location: PE 226


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Pretty woman
Photo Gallery
Pretty woman
This costume design by Marilyn Vance became an unforgettable dress for the transformed Julia Roberts, who earned a Best Actress nomination for her role in the rags-to-riches love story.
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