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Power Projects in Africa
MCC is investing in African power systems through our compacts to increase access to and the reliability and sustainability of electricity supply through energy infrastructure, policy and regulatory reforms and institutional capacity building.
Compact Projects
Ghana Power Compact
The Millennium Challenge Corporation will invest up to $498.2 million to support the transformation of Ghana's power sector and stimulate private investment. The five-year Ghana Power Compact seeks to create a financially viable power sector that will meet the current and future needs of households and businesses—and ultimately help fight poverty across the country.
The compact will play a critical role in Power Africa, the U.S. Government's initiative to double access to power on the African continent. The Ghana Power Compact is the largest U.S. Government transaction to date under Power Africa and will serve as an anchor for increased American engagement in Ghana.
At the heart of the compact is a strong commitment from the Government of Ghana to implement reforms needed to transform its power sector and put it on a path to profitability and sustainability, ultimately creating a climate that will attract private investment. The government has also pledged to invest at least $37.4 million of its own money, and the compact is expected to catalyze at least $4.6 billion in private energy investment and activity from American firms in the coming years.
Ghana Compact:
Rural Development Project
This project complements the Agriculture Project by providing community services of education, water and sanitation, and rural electrification infrastructure in the targeted districts, and by enhancing the capacity of local governments to deliver the related services.
- Support community services;
- Strengthen the procurement capacity of the public sector; and
- Strengthen financial services in rural areas.
Malawi Compact:
Power Sector Revitalization Project
The Power Sector Revitalization Project is comprised of two activities, the Infrastructure Development Activity and the Power Sector Reform Activity.
Infrastructure Development Activity
The Infrastructure Development Activity focuses on the most urgent rehabilitation, upgrade and modernization needs of the power system. The activity will preserve and stabilize existing generation capacity, improve capacity of the transmission and distribution network and increase the efficiency and sustainability of hydropower generation.
The Government of Malawi will commit to investing in additional generation capacity by completing the construction of new hydropower generation. The Infrastructure Development Activity also includes a sub-activity addressing environmental and social factors that negatively impact Malawi's hydropower plants.
Power Sector Reform Activity
The Power Sector Reform Activity complements the Infrastructure Development Activity by providing support for the Government of Malawi's policy reform agenda and by building capacity in critical sector institutions. The activity will build capacity and provide technical assistance to the Electricity Supply Corporation of Malawi (ESCOM), the Malawi Energy Regulatory Authority and the Ministry of Natural Resources, Energy and the Environment.
Tanzania Compact:
Energy Sector Project
This project will improve electricity service and coverage through the addition of new power generation, transmission and distribution capacity, as well as through much needed reinforcement of the existing network. The project will increase investment and economic activity to businesses and communities, some of which will receive electricity for the first time
- Lay a submarine electric transmission cable from the mainland to Unguja Island (Zanzibar), as well as extend the distribution network; and
- Rehabilitate the existing distribution infrastructure and a number of distribution line extensions to unserved areas in six regions (Mwanza, Iringa, Mbeya, Dodoma, Tanga, Kigoma and Morogoro).
Turning Blackouts into Opportunities
MCC's investments in Zanzibar's electrical grid should make regular blackouts a thing of the pastSolar Power Brings Brighter Future for Western Tanzania
MCC brought solar power to western Tanzania, helping bring electricity for the first time to health centers, dispensaries, village markets, and secondary schools. It's the largest solar-power project in the country.MCC opens the way for two American companies to do business in Tanzania
Where many might see challenges in the Tanzanian energy sector, two American companies saw opportunity.Fact Sheets
Fact Sheet
Power Africa
Read how Power Africa will build on Africa's enormous power potential, including new discoveries of oil and gas reserves, and the potential to develop clean geothermal, hydro, wind and solar energy.Powering Tanzania
Watch a video about ESB International's work to connect electricity to Zanzibar as part of the Energy Sector Project in MCC's Tanzania Compact. (Video courtesy of ESB International.)


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2.9 Miles
(865) 357-7499
5420 Clinton Highway, Knoxville, TN 37912
Products: American, Birthdays, Dinner, Lunch, Pastries, Picnics, Sodas, Appetizers, Baked Goods & Dessert...
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Latest review: "The crusts are great and dont taste like cardboard. They have a great variety of taste. I ..."
5.2 Miles
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4829 N Broadway St, Knoxville, TN 37918
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Latest review: "this is a place I love to eat and they have good food and very good waiters and always give..."
2.3 Miles
(865) 541-2900
501 20th St Ste 606, Knoxville, TN 37916
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12.6 Miles
(865) 675-8700
11831 Kingston Pike, Knoxville, TN 37934
Services: German Restaurant, Authentic German Cuisine, Authentic Bavarian Cuisine
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1.2 Miles
(865) 525-0011
2833 Western Ave, Knoxville, TN 37921
Products: Home Cooking, Cold Beer, Bike Nights, Drink Specials, Happy Hours, Live Music
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6.6 Miles
(865) 269-3300
412 Ebenezer Rd, Knoxville, TN 37923
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Services: Financial Services, Consultations, Insurance Quotes, Policy Reviews, "help! I Have No Agent!" ...
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10.3 Miles
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737 Lovell Rd, Knoxville, TN 37932
Latest review: "Went in at noon and had a nice new bed and living room set up by 2:00."
6.7 Miles
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43 E Tennessee Ave, Oak Ridge, TN 37830
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subset: commoncrawl


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Do everything in mindfulness so you can really be there, so you can love.... By Adolfo A
This Calgary moment captured with Instagram. Share your favourite Calgary moments on Capture Calgary by downloading the free Instagram app, using it to take a picture and including "#capturecalgary" or "#sceneyyc" in your image's caption. It's that easy.
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Dec 17, 2013


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Roc Nation To Host Pre-Grammy Brunch And Give Back With MAC Viva Glam
The stars will align this weekend as A-list names flock to Los Angeles for this Sunday's 56th annual Grammy Awards.
This year, Roc Nation will toast to success and give back by hosting its annual pre-Grammy Brunch on Saturday (Jan. 25) at a private location hosted by MAC Cosmetics Viva Glam.
Between 12pm and 4 pm PST, MAC Cosmetics will be donating $.25 to the MAC AIDS Fund for every #VIVAGLAM mention and retweet they receive via Twitter.
So while you're anticipating the red carpet looks and award winners, send out a tweet from the comfort of your own smart phone.
Read on at <a href="http://www.vibevixen.com/2014/01/roc-nation-hosts-pre-grammy-brunch-pres... Vixen.


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ethanol vs. non-ethanol gasoline
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Posts: 261
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Re: ethanol vs. non-ethanol gasoline
Originally Posted by
ANYONE else notice a HUGE significance in performance between ethanol and NON-ethanol gasoline?
Oh yes. So much so that people who haven't experienced it think I'm exaggerating when I tell them the hell it's caused me. (We're talking 2-strokes, obviously.)
I chased phantom issues on a Johnson 60hp for most of a summer. (I'm a recovering stinkboater.) All summer long the story of my life was that the motor would run fine in the driveway and then have me floating dead down the river as soon as I got a mile from the launch. My best friend was a good battery because I'd lose count of how many times I had to restart the motor to get back. It would go like this: hard start...
...settle...engage fwd gear...run shortly...sputter...
. (repeat / repeat / repeat / repeat)
Had to be the fuel filter, then it had to be the mix, then it had to be a crack in the hose / bad bulb, then it had to be a coil, then it had to be the harness, then it had to be.... What it actually turned out to be was the ethanol fuel. And by God, don't let it sit in a gas tank for a few weeks before you run it. The ethanol evaporates and the chemistry goes completely to pot.
Ethanol fuel is da debbil!
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Come now, Detroit is a city that just begs for creative solutions. So, for that matter, are most of Michigan's other rusty former industrial enclaves. Lots of beautiful old architectural gems, enough beaches to make Florida jealous (if only they were warmer during winter, but perhaps global warming will be good for something after all), good university system pumping out tons of talented potential employees, and I would assume plummeting real-estate prices for both residential and commercial development. If Detroit can drastically improve its reputation for city governance, especially safety, then I don't see any reason why it couldn't reinvent itself and diversify away from the defunct auto industry.
From my own knowledge, I would say that a small-scale renovation of the inner city has been going on, expanding outwards from its cultural center surrounding the Detroit Institute of Art and Wayne State University. A model for what must be done for the city on a larger scale?
Another major key for Detroit, since it wants corporate diversification away from Big Three Auto anyway, would be to diversify its transportation systems. Currently Detroit is one of the worst cities in America for a person not wishing to drive--surprise, surprise! Currently, suburbanites cautiously drive downtown, park in one of the big structures, take the 'People Mover', an elevated rail system, to their destination of choice (Cobol Center, or one of the sports stadiums), and never have any reason to walk through the streets of Detroit itself if they can possibly avoid it. This ends up being a disincentive for shops to open in the downtown, hence the many boarded up windows you might pass if you actually did walk along the streets there.
I was born in Detroit. In 1968, though tense after the previous year's riots, Detroit was more diverse, safer, and more affluent. It was definitely troubled, but not hopeless.
Over the years, I've met friends whose parents and grandparents invested in real estate in their hometowns: New York, Paris, Montreal, etc. I admit to being envious - these friends are lucky to have housing in such cities. Their forebears were not investing in order to make money; they purchased property in which to live and that they could pass down to their heirs.
However envious I may be of such lucky people, I am very grateful that my family never invested money in Detroit. The average home price in the city is now under $6,500. Our neighborhood on the West Side is completely blighted.
Detroit's only hope: The creative community. As homes cost less than a year's car lease, there are neighborhoods that could be colonized by artists, musicians, scholars and freaks. As so many homes are burnt out, punk rockers could rehearse all night long without bothering anyone. Writers and editors would have solitude in an urban setting. Hippies could walk around naked without running into anyone who cares.
Of course, everyone will need to be armed (the Detroit police force cannot protect anyone). This is sad, but perhaps eventually security needs could be contracted to a private firm once artistic types colonize an area.
As there are no supermarkets in the city (they'll give you a slew of excuses for this, but the real reason is that Detroiters steal and stores can't afford the losses), much of the city should be reclaimed by nature so that farms can be started (a successful venture for many Detroiters in recent years). This would mean a lot of nasty forced evictions, in order to bring the population closer to the central corridor along Woodward Avenue. To have neighborhoods where 80% of the housing is unoccupied is unaffordable. Detroit must shrink if it wants things like police, trash collection, snow removal, etc. The unoccupied housing is a huge danger for the city's firefighters, who are dying trying to douse the flames of abandoned homes in abandoned neighborhoods.
The only people to whom today's Detroit would appeal are the adventurers of the world, armed romantics. No conventionally sane person would move there if they sought quality of life. Yet without the eccentric fringe, Miami's South Beach, New York's Greenwich Village, Paris' 18th Arrondissement, and Montreal's Plateau would all still be slums.
Luckily, Detroit has not lost its musical edge. The city's overwhelming tragedies give it a surreal quality. Local tastes in fashion are nothing less than stupendous and exhilarating. Otherwise, the city is a corpse. The car companies had their run. It's time to give the city to the eccentric artists who will take advantage of its low property prices and give an itty-bitty New Detroit the flair and panache it needs to become great once again.
Bring on the punk rockers.
During the late 17th century Canada had a man named the "Compte de Frontenac" who got along extremely well with the indians. Frontenac set the tone for the first part of th 18th century and Canada moved south of the Great Lakes to trap furs. Worse that that, the idiots gave the indians boots which allowed the indians to kill settlers winter and summer. Then, in during the Seven Yearss War, Canada was taken over by the British and by the Treaty of Paris of 1763 Canada was again told to get out of the area south of the Great Lakes: but they didn't. Then in 1776 the Americans declared their independance and by the Treaty of Paris of 1783 Canada was again told to get out of the area south of the Great Lakes. They didn't. Finally, after the War of 1812 Canada was forced to move out of that area.
For two centuries now the Americans have had the place all to themselves and have absolutely wrecked it. Perhaps now they will all get out and let Canada back into that area. We sure hope so because we would like to go back to trapping furs in that area. How's that for creative downsizing?
Dave Bing may be described as a "respected businessman," but that doesn't mean he was a successful one. He fluorished, personally, during the long decline of GM, as a "mentored" private minority owned business. GM assigned as many as 8 mentoring administartors at a time to work within the Bing Group to try to bring costs and waste and inefficiencies under control, at least in the production of products for GM, but it was to no avail. As soon as the auto economy began its irreversible decline GM could no longer afford to park its salvage crews at Bing Steel, for example, and Bing "sold" his enterprise to someone else, and became a Detroit-boosting "philanthropist" with the money he had "earned" by going away to limit another's losses. This sounds exactly like the formula that the current American government thinks will work for the country, doesn't it.
Detroit is a pit. I am sitting at work barely five miles north of it right now. The only reason to go there is to get to Canada, visit Immigration (I'm Canadian) or possibly a sporting event. Increasing the gambling in Detroit only hurts an already destitute population, it is not bringing the money out of the suburbs, in fact, the next generation of Black professional is getting out of Detroit as soon as they can. Those are the people that are buying all the foreclosed houses in my area. Nurses, bankers, skilled trades, etc. I applaud them for getting out while they can, rather than being sucked into the culture of self inflicted victimhood.
Good luck Mr. Bing, you're going to need it.
Perhaps the best strategy is for every inhabitant to move. The last man out could file bankruptcy papers.
I was in Detroit last night for a concert and it seems that going to a concert or a sporting event are about the only reasons any one goes to Detroit from the suburbs. I'd hate to see what Detroit would look like without sport teams or Wayne State University.
Greece's election: The Syriza factor
Speech recognition: Watch what you say
Science and technology
Women and work: What's holding women back?
Democracy in America
Daily chart: An inventory of editors
Graphic detail
Buttonwood's notebook
Yemen's president resigns: He's Hadi enough
Middle East and Africa
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Mon, Jun 4, 07 at 5:24
I have access to two old hives, ten years old or more and never been attended to. They are bustling and healty, They were sitting on top of each other with the bottom board of the upper as a lid for the lower. Pulled the upper box off, placed it along side the lower and put a new box on each with lids. It's been about 6 weeks and when I go back to check box # 1 seems ok but # 2 box seems restless. Bees are just everywhere all over the front, and bottom of the box. Have moved hives before but mostly they all go in at night and not a problem . I want to move them soon and would like advice on how best to get all those bees back in the box for the move. Open to suggestions. Leo |
Follow-Up Postings:
You probably only have one queen between the two hives. Try giving hive #2 a frame of eggs from hive #1 and see if they start queen cells. |
- Posted by tonybeeguy (My Page) on Mon, Jun 4, 07 at 12:35
They most likely need more space too. Try adding a super of frames and foundation on top of each box. It will give them more room and something to do. |
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Same. I intend to finish a paper once I'm done reading this book I have over here. How's Ray?
Hello ^^ A long time indeed. I have been ok, just trying to study... yah.... And how have you been?! ^^
Hey, it's been a long, long time! How have you been lately?
Merci, m'amie! Anyways, how are things in your part of the world?
Hey Lasura, psychical here. Would it be fine if we became friends?


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Reaction Gifs About Michelle Bachmann's Anti-Gay Rant: "Gays Are Bullying America"
So, yesterday Michelle Bachmann said that gays are bullying Americans. No really. She said that.
Her words:
"The thing that I think is getting a little tiresome is the gay community have so bullied the American people and they have so intimidated politicians that politicians fear them and they think they get to dictate the agenda everywhere. Well, not with the Constitution you don't."
Is that a "HAVE SO!" or "have SO"? Did she put the wrong emphasis on the wrong syllable?
Because while both iterations are patently incorrect, it's sort of funny to imagine grown-up Michelle Bachmann throwing a tantrum like my 5-year-old son which actually makes me hope she meant the first way even if she said it the second way.
Seriously. Michelle Bachmann stomping her feet and throwing a fit!? PERFECT.
Michelle Bachmann and her latest anti-gay hate rant aren't really worth the words which could be used to rebut her argument that the Arizona gay community are just a bunch of bullies for pressuring Governor Jan Brewer to veto the state's "right to discriminate bill."
She just can't handle the fact that she and her cronies who want to further marginalize a group of people--human beings--are wrong.
She went on in the same interview to blame "activist judges" for trying to take away HER freedoms.
Apparently, by NOT legalizing discrimination, Michelle Bachmann feels like her religions freedom is in jeopardy.
"If you want take away my religious liberties, you can advocate for that but you do it through the constitutional process and you don't intimidate and no politician should give away my religious liberties or yours."
and Jennifer Lawrence for good measure:


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CUNA, League Toolkit Helps CUs Connect With Members On Tax Issue
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WASHINGTON (2/21/13)--The Credit Union National Association Thursday unveiled an important members-only toolkit--designed to help credit unions connect with their members and educate the public about credit unions as banks intensify their state-level attacks against the credit union tax status.
"CUNA and the leagues are empowering credit unions with the tools they need to ensure their members understand the value of membership," CUNA President/CEO Bill Cheney said, announcing the new Credit Union Tax Status Advocacy Toolkit webpage.
"Our research shows that when members understand the value of membership, they will stand with us to defend the exemption," he emphasized.
The new webpage features free materials in the form of radio ads, print ads, newsletter articles, state-level updates, materials to use in advocacy efforts with federal and state lawmakers, and much more.
Cheney encouraged credit unions to work with their members and to be prepared on the tax issue. " Whether federal tax reform happens in a week, two months or 10 months from now, we need not only an educated Congress, but also an educated membership," he said.
CUNA members can use the link below to access the host of advocacy materials.
Last Edited by Internal Administrator at 2/26/2013 10:23 AM
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Cheney Talks CU Priorities Ahead Of GAC
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WASHINGTON (2/22/13)--As the 2013 Governmental Affairs Conference approaches, the Credit Union National Association and 4,200 credit union representatives are preparing to "send a strong message" to Congress, CUNA President/CEO Bill Cheney said in a new
"Our goal is to send a strong message… we need to meet with every congressional office, every House office, every Senate office," with protecting the credit union tax exemption at the top of the agenda, Cheney said. "We also need to talk about reducing regulatory burden, we also need to talk about enhancing the charter… there's a lot that we need to cover," he added.
"Credit unions do a great job serving their members… and we've got a great story to tell." Cheney noted that many new members have joined the U.S. Congress following November's elections, and these new members need to be educated about the importance of credit unions in their communities. "It's important for us to talk to them here in Washington, but it's more important for the constituents to get out and see them, and that's a big part of what the GAC is about."
He noted that GAC attendees will also have the chance to hear from and meet with the National Credit Union Administration Board members and key agency staff and to hear from the Consumer Financial Protection Bureau Director and CFPB staff.
The CUNA CEO also previewed CUNA's new strategic vision for the credit union system. For more than a year, CUNA has been reaching out to credit unions, leagues, system partners and its leadership to develop and present a strategic vision to guide and inspire the movement's advocacy, communications and planning. Presentation of this new initiative and what it will mean for CUNA, leagues and credit unions going forward will be the thrust of Cheney's remarks to the GAC audience on Monday.
Cheney also touched on how credit unions communicate with their communities. He said credit unions need to continue to emphasize that they are "a better deal," and offer themselves up as a community of members that is self-governing, and has its members' best interests at heart. "That is so different from a bank," Cheney said. "We should highlight our differences… our differences are what make us a better deal for consumers, our differences are the reason we have a tax preference to begin with… people are waking up to the value of doing business with organizations that share their values," he emphasized.
Last Edited by Internal Administrator at 2/26/2013 10:23 AM
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Auto Loan Practices Attract CFPB Scrutiny
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WASHINGTON (2/22/13)--The Consumer Financial Protection Bureau is mulling legal action against at least four banks for their auto lending practices, Bloomberg reported on Thursday.
The CFPB last week reportedly gave the unnamed banks 15 days to explain the lending practices in question. Sources told Bloomberg the auto loan policies and practices identified by the CFPB may violate the Equal Credit Opportunity Act (ECOA). ECOA bans creditors from discriminating against credit applicants based on their race, color, religion, national origin, sex, marital status, and other select factors.
The Credit Union National Association in recent years has urged the Federal Trade Commission to apply consistent consumer protection rules for motor vehicle dealers offering motor vehicle financing. CUNA has noted that auto dealers, who are often the single point of contact for consumers during an auto purchase, are not always concerned with consumer protection. CUNA emphasized that auto dealers provide a significant portion of all motor vehicle loans and should not have a special exemption to inflate rates, charge hidden fees, or engage in other harmful practices. Providing consistent consumer protection rules would ensure a level playing field for all financial entities that provide motor vehicle lending or lease arrangements, CUNA has said.
Credit unions provide both direct and indirect loans to prospective motor vehicle purchasers, and 95% of credit unions nationwide are involved in the auto loan business. Consumers that use credit union loans instead of bank-originated loans to purchase a new vehicle worth $30,000 would save an average of $1,300 over the span of a five year loan, according to CUNA estimates.
Last Edited by Internal Administrator at 2/26/2013 10:23 AM
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Strong NCUSIF, TCCUSF Performances Decrease Premium Chances
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ALEXANDRIA, VA. (2/22/13)--The strong performances in 2012 of the National Credit Union Share Insurance Fund and the Temporary Corporate Credit Union Stabilization Fund, reported by the National Credit Union Administration Thursday, decrease chances for a premium assessment this year.
NCUA Chairman Debbie Matz, (center) receives the quarterly insurance fund reports from NCUA Chief Financial Officer Mary Ann Woodson. Matz during the meeting noted that NCUSIF performance statistics "continue to trend in the right direction." (CUNA Photo)
The number of federal credit unions with CAMEL codes 3, 4 and 5 dropped significantly during 2012, according to the NCUA. The declining number of lower-rated credit unions, of course, reduces the exposure of the NCUSIF to potential losses.
The agency reported the NCUSIF ended 2012 with a 1.30% equity ratio, after transferring $88 million in "excess equity" to the Temporary Corporate Stabilization Fund. The NCUA said it calculated the ratio on an insured share base of $839.4 billion, compared to $795.3 billion at the end of 2011, indicating growth of 5.5%.
The NCUA also reported good 2012 results for the TCCUSF. Based on "preliminary and unaudited" information, for 2012 the total net position of the fund improved nearly $1.8 billion.
The agency staff noted that when the stabilization fund has outstanding borrowings from the U.S. Treasury, the Federal Credit Union Act requires the NCUA to make a distribution from the NCUSIF if the share insurance fund has an equity ratio above the normal operating level of 1.30% at year's end.
"Had the stabilization fund not existed, the $88 million would have been paid as a dividend to credit unions on their NCUSIF deposits. Instead, it will serve to lower future assessments," Credit Union National Association Chief Economist Bill Hampel points out.
Of the improved CAMEL ratings, NCUA Chairman Debbie Matz said, "Protecting the Share Insurance Fund is a top priority for NCUA, and the 2012 year-end results show that NCUA's prudent management and effective regulatory policies are working well."
At the February open board meeting the NCUA's chief financial officer also related that:
The total number of CAMEL code 3, 4 and 5 credit unions dropped 9.8%, to 1,940 at year-end 2012 from 2,150 in 2011;
Assets of CAMEL code 3 credit unions decreased to $119.3 billion at the end of the fourth quarter of 2012, a 16.3% drop from $142.5 billion on Dec. 31, 2011; and
For lowest ranked CAMEL code 4 and 5 credit unions, assets fell 35.4%, to $19 billion at the end of 2012, down from $29.4 billion for 2011.
As a result of the improving condition of stressed credit unions, the percent of total insured shares in CAMEL 4 and 5 credit unions declined from 3.3% to 2.0% during 2012. At the same time, shares in CAMEL 3 credit unions have fallen from 15.9% to 12.6% of insured shares. Therefore, shares in CAMEL 3, 4 and 5 credit unions are down from 19.2% of insured shares as of December 2011, to 14.6% as of December 2012.
Overall, the amount of assets in CAMEL Code 3, 4 and 5 credit unions have decreased 32.7% since reaching a high in September 2010.
There was no NCUSIF premium assessed in 2012 and the agency has projected a premium range between zero and 5 basis points for 2013.
Last Edited by Internal Administrator at 2/26/2013 10:23 AM
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CFPB Takes New Step In Private Student Loan Project
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WASHINGTON (2/22/13)--Credit unions and other lenders, educators and borrowers can now help the Consumer Financial Protection Bureau develop recommendations on how the student lending market can be improved.
The CFPB said it is gathering information from the public to develop options for policymakers to make repayment of private student loans more manageable for struggling borrowers. The CFPB in a release noted that private student loan borrowers who wish to pay their loans, but face high payments, lack alternative repayment and refinance options.
"Too many private student loan borrowers are struggling with unwieldy debt that prevents them from climbing the economic ladder… We will be analyzing plans for policymakers to consider that might help avoid a repeat of the mortgage meltdown for today's student loan borrowers," CFPB Director Richard Cordray said.
The CFPB suggested commenters could discuss:
How student loan burdens might impact the broader economy and hinder access to mortgage credit and automobile loans;
How distressed borrowers manage their student loan obligations;
What options currently exist for borrowers to lower their monthly payments on private student loans; and
The most effective mechanisms for communicating with distressed borrowers.
Commenters could also provide examples of successful alternate payment programs in other markets, and address how those examples can be tailored to treat student lending issues, the CFPB said.
The CFPB plans to accept comments until April 8. For more on the CFPB project, use the resource link.
The CFPB has noted that student loan debt, which surpassed $1 trillion in 2012, has exceeded credit card debt as the largest source of consumer debt in the U.S. More than $150 billion of this $1 trillion total is comprised of private student loans, and at least $8 billion of these private student loans are in default, the CFPB said.
CUNA estimates that around 300 credit unions currently offer student loans to their members. Credit unions also provide financial education and seminars relating to student lending generally, and encourage students to attend. The
website also provides extensive financial education regarding student lending, through both written information and webinars.
The site is powered by Fynanz, a CUNA Strategic Services provider.
Last Edited by Internal Administrator at 2/26/2013 10:23 AM
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NCUA Actions Expand Rural District FOM, Allow CU TIPS Investment
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ALEXANDRIA, Va. (2/22/13)--The National Credit Union Administration on Thursday approved separate final rules that expand the definition of "rural district" for field of membership purposes, and grant new investment authority to credit unions.
Credit Union National Association President/CEO Bill Cheney said he was pleased that the February NCUA meeting focused on items that are positive, such as rule changes that will help credit unions going forward, and the reduction in CAMEL Code 3, 4 and 5 credit unions. "We will continue to push NCUA to take more steps that will give all federally insured credit unions more flexibility in their operations, particularly in light of the fact that credit unions' financial performance is doing so well," he said. (See
News Now
story: Strong NCUSIF, TCCUSF Performance Decrease Premium Chances).
The NCUA's "rural district" rule sets the definition at the greater of no more than 250,000 persons or 3% of the population of the state in which the majority of the district's persons are located. The NCUA noted that the rule does not change the other elements required to designate an area a rural district: Federal credit unions serving rural districts will still need to develop business and marketing plans to show how they will serve their surrounding communities.
NCUA Chairman Debbie Matz said, "This is really a move in the right direction and is responsive to be the needs of credit union members." She added that she looks forward to having the rule in effect to provide "federal credit unions serving rural areas greater flexibility to improve access to consumers who otherwise might not have access to affordable financial services."
The rural district changes are similar to those advocated by CUNA in meetings and a comment letter on the NCUA proposal. CUNA Board Member Roger Heacock presented data to NCUA to support making the changes.
CUNA Deputy General Counsel Mary Dunn urged the NCUA to allow as much authority as legally permissible to federal credit unions to facilitate their presence in these areas of the country that are often are in serious need of financial institution services. Dunn suggested that the NCUA, in the long-term, should allow credit unions that serve rural areas to determine for themselves the size of their fields of membership, governed by the credit union's resources to serve the area sufficiently and its ability to manage safety and soundness concerns.
The agency also moved to grant credit unions new investment authority by adding Treasury Inflation Protected Securities (TIPS) to the list of permissible investments in NCUA's Investment and Deposit Activities rule. "NCUA's research and analysis showed these securities could be a valuable tool for federal credit unions if properly managed, so we've acted to prudently provide greater regulatory flexibility," Matz said. Allowing such investments will help credit unions protect against inflation and manage interest-rate risk, Dunn has noted.
However, NCUA staff said credit unions should not just dive into TIPS investments. Due diligence will be needed, and investing in TIPS may not be appropriate for every federal credit union. Credit unions should also take care to ensure that TIPS remain a small part of their investment portfolio, the NCUA said.
Both rules will go into effect 30 days after they are published in the
Federal Register
For more on the NCUA meeting, use the resource links.
Last Edited by Internal Administrator at 2/26/2013 10:23 AM
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BOSTON — Ted Williams was just 12 days old, the Green Monster still was made of wood and there was no such thing as "Pesky's Pole" or the red seat in Row 37 of Section 42 the last time the Boston Red Sox won a World Series clinching game here at historic Fenway Park.
Just 15,238 fans were in attendance to celebrate that Game 6 clincher, which lasted only 1 hour, 46 minutes.
Red Sox right-hander Carl Mays hurled a complete game, allowing just one run while also going 1 for 2 with a walk and run scored. Mays, the great Babe Ruth and the Boston Red Sox were 2-1 victors over the Chicago Cubs on Sept. 11, 1918 to win the World Series at then 6-year-old Fenway Park.
Here we are 95 years later. Fenway Park is 101 years old. Mays has been dead 42 years and Ruth 65 years. Williams, then an infant, passed away 11 years ago. And the Red Sox today get their third chance since 1918 to clinch a World Series here on 4 Yawkey Way inside the oldest ballpark in the major leagues.
Boston enters today's Game 6 against the St. Louis Cardinals with a 3-2 series lead. Sox right-hander John Lackey, who won the clinching Game 7 of the 2002 World Series as a rookie for the Angels, will face Cardinals rookie Michael Wacha. He beat Lackey in Game 2 last week and is 4-0 with a 1.00 ERA in four postseason starts.
Taking into account the 95-year home-field clinching drought, how Sox players rallied around this city during the Boston Marathon terrorist bombings tragedy, and all the historical moments that have happened inside these Fenway walls since Sept. 11, 1918, we're watching history unfold in front of our eyes.
Win or lose.
"I think what's really built over the course of this season, I think our fans have appreciated the way we've gone about playing the game," Red Sox manager John Farrell said here at Fenway yesterday.
"I think they've witnessed guys that care for one another. And in return, the way they've demonstrated their appreciation, the energy that they create in here, we have certainly fed off of that. ... So if we happen to be able to share it with them, that would be great. But we've got to take care of business first."
The two failed attempts to clinch titles here were in Game 7 of the 1967 World Series and Game 7 of the 1975 World Series.
Both years, Boston entered Game 6 at Fenway down 3-2 and won to extend the series to a Game 7.
Game 6 in 1975 arguably was the most dramatic and legendary finish to any game in Fenway Park history.
Frantically and famously motioning with his hands to keep the ball fair as he headed down the first base line, Carlton Fisk blasted a solo homer off the left field foul pole in the bottom of the 12th inning to force Game 7.
"With no disrespect to history or to Carlton, it's an iconic video and a highlight that is shown repeatedly, and one of the more memorable swings that has taken place in this ballpark. But hopefully, there's someone tomorrow night that can wave their arms just the same," Farrell said.
Want some similarities between the 1918 and 2013 teams?
The 1918 club batted just .186 with a .259 on-base percentage, and .492 OPS. It posted a team ERA of 1.70 in its six-game World Series.
The 2013 club has batted just .205 with a .268 on-base percentage, and .585 OPS with a team ERA of 2.01 in five World Series games.
Want to talk about a pair of aces? Ruth was 2-0, 1.06 ERA. Jon Lester is 2-0 with an 0.59 ERA.
It will be up to Lackey tonight to get the job done like Mays did in 1918.
Lackey said about potentially clinching a World Series at Fenway: "It would be awesome. As far as personally, I'm just thinking about executing pitches and trying to win a game. And hopefully, we get to that point."
Follow Christopher Smith on Twitter @SmittyOnMLB
Today, 8:07 p.m., Fenway Park
Pitching matchup: Red Sox RHP John Lackey (2-1, 3.26 ERA this postseason) vs. Cardinals RHP Michael Wacha (4-0, 1.00 ERA this postseason).
Series So Far: The Red Sox lead the best-of-seven series 3-2 with a chance to win a World Series tonight. Boston fell behind 2-1 in the series but won two straight games at St. Louis' Busch Stadium.
Sox Series MVP Candidates: David Ortiz is 11 for 15 with two homers, two doubles, six RBIs and four walks. Jon Lester is 2-0 with a 0.59 ERA in two starts in the Fall Classic.
Sox Lineup: Shane Victorino (lower back tightness) will start in right field after sitting out Games 4 and 5. Jonny Gomes will start in left field. David Ross will catch. Daniel Nava will come off the bench.
Series TV Ratings: Through five games, the World Series is averaging a 8.5 rating, which is up 12 percent from last year. Through five games, it is the highest rated World Series since 2009.
Take the T: The Red Sox are encouraging fans attending Games 6 and a potential Game 7 or anyone who will be in Boston tomorrow evening to take public transportation. Several streets will be closed.


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The son of a Californian flamenco dancer, Greg ?The Salsaman? Henry was captivated by dancing early on. At the age of 3, he joined in on performances with his mother?s dance troupe. Years later he went on to found the Hot Salsa Dance Company, which puts on interactive latin-dance shows throughout Hawaii and California. Henry and other company members also lead the company?s instructional arm, Hot Salsa Hawaii, teaching group classes to beginning and intermediate dancers.
In these classes, you can learn the basic steps of Dominican Republic?style merengue, a more energetic version than its Haitian counterpart. You can also work toward mastering the sideways footwork of the bachata. Classes are limited in size to ensure that each student gets plenty of attention from the instructor.
Tsunami's is a flurry of light and energy, both beneath the vibrant lights of its chic lounge and amongst the chefs in its bustling kitchen. In the latter, Executive Chef Aaron Fukuda—former chef of the renowned Sam Choy's kitchen—darts between simmering woks and grills, overseeing his kitchen crew members as they whip up a Honolulu magazine-lauded menu of modern Asian meat, seafood, and vegetable dishes. Out in the lounge, bartenders whip up Asian-inspired specialty cocktails beneath the glow of hanging lanterns instead of a burning ceiling fan. Next door, a game room hosts rows of glimmering dartboards. On weekend nights, DJs fill the room with vibrant music after the staff clears away tables and chairs to expose dance floors.
A more than 50-year-old throwback to the gastro-glories and tiki traditions of Hawaii's past, La Mariana solves its visitors' palate puzzles with the help of a broad menu encompassing some of the best of both surf and turf. Amidst a festively decorated interior heavy on natural materials and whimsical lighting, guests can enjoy the fork-ready finery of steak and prime rib, "local-style" curries, and a multitude of fresh seafood while chatting with the tiki-faced cups containing their mai tais, zombies, and other cocktails. Sandwiches, such as the shrimp and avocado sandwich, are $8–$13, and entrees, such as grilled mahi mahi, are $7–16.
The friendly staff at Lisa's House pairs cold beer with pupu platters and fresh seafood—all served in a fun, laid-back atmosphere. Diners can fuel up before limerick-style rap battles with an array of poke plates, including spicy Korean salmon poke ($8.75) and fresh Hawaiian-style ahi poke (market price). Lisa's House also serves chicken ($7.75–$8), pork ($8.75 each), and steak dishes, including the house-specialty New York steak awash in ginger-cilantro pesto ($9.75). Patrons who are concerned about sinking their steeds during dolphin rides can dine on lighter fare, diving into more than 15 pupus, including kim chee kamaboko dip ($7.75) and portobello fries ($7.75).
Behind an inconspicuous door tucked into Kona Street hulks The Beast, devouring slabs of kiawe wood and breathing flames that reach temperatures of 800 degrees Fahrenheit. That's the chefs' affectionate nickname for the pizza oven at the center of Inferno?s @ The Lounge, and fortunately it has its friendly side: just a few minutes after it's taken a pizza into its maw, it's melted the cheese, made meats and veggies tender, and blistered the thin crust.
The oven doesn't do all the work, however. Chefs hand-stretch the dough and apply fresh mozzarella, and, as important, buyers search surrounding farms for fresh produce and pork. The extensive menu allows for traditional or inventive routes?you might choose clam and white sauce, guava smoked barbecue pork, or simply sopressata. Inferno?s stays open until 4 a.m. every night of the week, making it easy to stop in for a snack and a nightcap or symbolize the end of the day by consuming something clock-shaped.
When Antonio "Trigo" Da Silva moved to Hawaii in 2007, he found a community of people who wanted to learn more about their own Portuguese heritage. That's why he opened Adega Portuguesa Restaurant in Chinatown. There, visitors can sample traditional dishes such as Portuguese-style bean soup, Northern Portuguese–style codfish, or bitoque—a dish made by crowning a new york strip steak with brown gravy and a fried egg.
On Fridays and Saturdays, the eatery's cooks also prepare Brazilian dishes such as feijoada, a medley of black beans, beef, pork, sausage, and bacon stewed with farofa and sliced orange. Beer, cocktails, and imported wines wash back each bite. In addition to tasting traditional foods, guests can dance to live Portuguese music or learn the native tongue in Portuguese language classes.


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Not according to Dan himself, in an interview with today's Observer
http://observer.guardian.co.uk/magaz...008889,00.html (no dirty pics that I can see, though there are in the print version )I ask Dan what JK Rowling makes of his new adventure.
'She's coming to see it!' he says, beaming. 'She's very excited about it, which is great! I think it will be weird for her because - I'm not sure how true it is - someone said that when she first saw my screen test she said something about it being like she'd found the son she never had. So it's going to be very weird for her to see her long-lost son blind horses! I look forward to hearing what she thinks.'


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We specialize in Kitchen and Millwork products. Whether you're a contractor or a home owner, we want to be your connection to quality products and services.
Our goal is to cultivate lasting relationships and provide you with the best products and services in the market.
We feature complimentary estimates and design services. Be assured, we will get your project done right, on time, and within budget.
We look forward to working with you.
The Triumph Interiors Team
website created by Chad C - Designer


text: May 11, 2011 @ 3:00 AM Fashion Street Chic street chic daily street chicStreet Chic: New York Share Tweet +1 Pin Email By Sydney Wasserman Shares Share Tweet +1 Pin Email Most Read 01 Street Style: London 02 Street Style: London 03 Street Style: Paris 04 Street Style: Milan 05 Street Style: London 06 Street Style: Paris 07 Street Style: Milan 08 Street Style: London 09 Street Style: Paris 10 Street Style: Paris 11 Street Style: Milan 12 Street Style: London 13 Street Style: Paris 14 Street Style: Milan 15 Street Style: Paris 16 Street Style: Milan 17 Street Style: London 18 Street Style: Milan 19 Street Style: Paris 20 Street Style: London Share Tweet Pin Photo: Kate LordGet playful this spring in a printed ruffle-sleeve romper.Want to see more street style? Check out our Tumblr! Comment Join the Conversation Share Tweet +1 Pin Email What Do You Think?more fromFashion Trends Jan 28, 2015 @ 3:20 PM Share Share Tweet +1 Pin Email These 5 Plus-Size Models Formed a Collective to Prove That Fashion Is for Everyone "I've been called a plus-size model for 15 years...at the end of the day, I know who I am." By Alanna Nunez Fashion Jan 28, 2015 @ 2:00 PM Share Share Tweet +1 Pin Email Paris Street Style: Haute Couture See the chicest attendees of the Haute Couture spring 2015 shows, shot by our man on the streets, Dan Roberts. By ELLE.com Celebrity Style Jan 28, 2015 @ 12:30 PM Share Share Tweet +1 Pin Email 22 of Amal Clooney's Stellar Street Style Looks Amal is perfection in her legal robes. By Alyssa Bailey Shopping Jan 28, 2015 @ 11:45 AM Share Share Tweet +1 Pin Email Is the LBB the Next It Bag? Signs (and street style) point to yes. By Justine Carreon Fashion Street Chic street chic daily street chicStreet Chic : Sophie Aziakou, PR AssistantThe Best of Paris Street StyleThe Grandchildren of New York's Original Street Style Star Launch New Line, KempnerStreet Chic : Carly CushnieStreet Chic : Paris Couture WeekThe Best Street Style From New York Fashion WeekThe Best of Milan Street StyleStreet Chic : 2013 Pitchfork Music FestivalStreet Chic : 2013 LollapaloozaWatch This Glorious Mashup of 'Sesame Street' and 'Harry Potter' More From Fashion


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Lil Smooth
- Feeling you
- Just Vibe
- like dam Feat. Tendo
- celebrity status Feat. Zay Gutta
- Goin Wrong
- PMW freestyle
- Pretty Girlz
- Kitty Kat Feat. Zay Gutta
- in da paint freestyle
- lets do it freestyle
- money to blow freestyle
- 01First Song
- 02Track Number Two
- 03Third Song
- 04Composition #Four
- 055th
- 06Song
Smooth is southern born and raised lyricist who insists on greatness, his music is always relate able for listeners to truly feel he as several mixtapes on datpiff.com


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Featuring the Martha Graham Dance Company. Directed and choreographed by Luca Veggetti.
The press has called it "DAZZLING" (NYT), "SUPERB" (Parterre), "A TRIUMPH" (NY Classical Review) ( Photo: Richard Termine
PERFECT STAGING, EXCELLENT SINGING, & A SUPERB ORCHESTRA PORTRAY WORLDS TURNED UPSIDE DOWN IN A PAIR OF WITTY COMEDIES BY BOHUSLAV MARTINU. - The Wall Street Journal
Read reviews and watch videos from all our past productions. Photo: Richard Termine
Support our past successes and future triumphs with an on-line contribution today. Photo: Stephanie Berger
Join us for the "El gato con botas" Family Fiesta, a holiday celebration and benefit for Gotham Chamber Opera.
Meet the Artists featuring the singers of our upcoming revival of El gato con botas!
Martinů Bis: Two Comedies from the Czech Master
A sneak peek into the Martinu double bill
Gotham Chamber Opera and the Jarvis & Constance Doctorow Family Foundation are proud to announce that David Hertzberg will be the inaugural winner of the Catherine Doctorow Prize for Music.


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Wycliffe (WYC) | New International Version (NIV) |
11 All the servants of the king, and all the provinces which be under his lordship, know, that whether man either woman, not called of the king, entereth into the inner hall of the king, he shall be slain anon without any tarrying, but if in hap the king hold forth to him the golden rod for a token of mercy, and that he may live so; therefore how may I enter to the king, that am not called to him now by thirty days? (All the king's servants, and all the people in the provinces that be under his rule, know that if a man or a woman, not called by the king, entereth into the inner court of the king, that person shall be killed at once, without any tarrying, unless perhaps the king hold forth to him the gold sceptre as a token of mercy, and then he shall live; and so how can I go to the king, when I have not been called to him now for thirty days?) | 11 "All the king's officials and the people of the royal provinces know that for any man or woman who approaches the king in the inner court without being summoned the king has but one law: that he be put to death. The only exception to this is for the king to extend the gold scepter to him and spare his life. But thirty days have passed since I was called to go to the king." |
Copyright © 2001 by Terence P. Noble. For personal use only. (Wycliffe Bible) | Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online) |


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At Jerry's Artarama, resident artists draw on personal experience and channel the shop's four decades in business to help create works in nearly any medium. Shelves bravely bear the weight of multitudinous tubes of paint ranging from traditional oil paints made from 150-year-old processes, to easy-to-use acrylic pigments. Artists can wield a Mejillo TruColor palette to serve as a launching pad for paints, or take up PrismaColor colored pencils to add vivid pigmentation to sketches. For more specialized projects, customers can stock up on the store's street-art supplies and screen-printing kits.
Meanwhile, the framing professionals at Jerry's Artarama navigate a bounty of glass, mats, mounting, and moulding options to personalize the framing of photos, watercolor landscapes, and napping bats. Frame options include the warm whorls of wooden frames as well as silver, black, or gold aluminum frames to complement any work's color scheme.
In 1975, Jay Kogan's parents opened up a store that was literally a hall of frames—just a small store stacked with thousands of frames. At the time, they had no idea that that tiny corridor would expand to 12 locations throughout the greater Phoenix area, all still run by the Kogan family. Today, their shops have more than 4,500 custom frame options along with mats of all colors and textures, as well as seven glazing choices and expert assembly. They can answer framing questions and frame everything from documents and artwork to posters and small 3-D objects such as sports memorabilia and very still grandmothers.
When they custom-produce frames, the family cuts their mats exactly, miters frame corners precisely, and installs flawless glass. Or, since the stores' walls are lined with ready-made frames, customers can walk in and find what they're looking for quickly. Since installing framed art is an art unto itself, they also offer hanging services with an eye for placement and ability to install in difficult spaces.
Roam the 5,000-square-foot gallery at Think Art and you'll see hundreds of original pieces of artwork by more than 75 artists, from oil paintings to metal wall sculptures. To many that sounds enticing, but to some, the vast selection may be intimidating. Fortunately, customers can enlist experts from the gallery to come by to evaluate their home or office space and help them decide which pieces would look best there. Think Art can then deliver and install the pieces the customer selects during these art consultations. If the client needs a large space decorated, the gallery can even arrange for an artist to produce a mural of a scenic desert or a stunning replica of a blank wall.
Of course, if a client already owns a piece and simply needs to frame it, Think Art can handle that as well.
Each of Designer Art Direct's framers has at least 20 years of experience working with everything from Picassos to family portraits. The staff enhance their skills with thousands of frames and mats from heavyweight manufacturers such as Larson-Juhl. The seasoned framers won't balk at most two- and even three-dimensional subjects, and are happy to frame up valuables including sports memorabilia, photographs, and topographical Rubik's cube cheat sheets. The staff works with clients to make sure each piece of artwork finds a new frame home that meets its artistic and preservational needs. Customers can add extra security to valuable pieces by choosing conservation glass and museum mountings, or transform prints into original-looking art by asking for an acrylic texturing process that the staffers do by hand. Since all framing services are performed onsite, customers can expect a turnaround of a few days or opt for same-day service for an extra fee.


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Platinum Games seems to be allergic to creating sequels, and yet by popular demand the Japanese studio is working on its first ever, Bayonetta 2.
The original game, published by Sega on PS3 and Xbox 360, was a critical success, loved for its bombastic action, its iconic heroine and its famously exploitable combat chains.
It was perhaps only fitting that the announcement of the sequel was equally eye-popping, with Nintendo revealing in 2012 that the game would be a Wii U exclusive.
Speaking to CVG at E3 this month, the game's new director Yusuke Hashimoto - who worked as producer on the first game - described Platinum's Nintendo relationship as more than a publishing deal, but as a "collaboration" that has allowed the game to reach "even higher quality".
The director said Platinum has been so delighted with its relationship with Nintendo that, if possible, it would even "love to do it again" with future Bayonetta games.
We suspected the talented studio behind the likes of Vanquish and Wonderful 101 might be relieved to be able to iterate, rather than invent an IP for once, but Hashimoto-san insisted that in fact "the exact opposite" is true and he's very much feeling the expectation of fans.
The full interview follows below.
Bayonetta 2 is set to release on Wii U - with Bayonetta 1 included - in October 2014.
Platinum Games isn't a studio known for making sequels, and you're making Bayonetta 2 with a different director. Does that make the process more challenging for you?
Considering that the first game came out five years ago, and trying to look at it from an end user perspective, we considered what kind of game they would want to see today. On top of how fun the game had to be, the density and volume of content [expected from modern games] was challenging to consider.
When I was part of the original Bayonetta, we did have core concepts that we wanted to include in a sequel, should one ever appear. So that core concept was already there and our work now has been to expand that concept. I worked as a producer on the original game, and the original director Mr. [Hideki] Kamiya still works in the same building, so I was able to go over to his office and discuss how we should expand the concept that we had in mind.
This is the first time I'm publicly sharing this, but we had actually created a prototype of what the sequel would look like and when we compared it to the original we thought, 'oh, is this just Bayonetta 1? Just a continuation?' So we actually took that prototype apart and recreated it, focusing on making sure there was a very clear difference between the original game and sequel.
"Should the opportunity arise I'd definitely like to keep nurturing this franchise"
What kind of feedback and advice has [original director] Mr. Kamiya provided?
Mostly the advice we get is to make sure that the world view in the game remains the same, even with things like the design of the main character - to make sure we're not straying too far away from what Bayonetta really is.
Why is Bayonetta the first Platinum series to earn a sequel? What tempted you back?
Whenever we create a new IP it's always very challenging, and so as a game developer I feel that whenever we are able to successfully do that it's really important to be able to nurture it. That's what the company wanted to do with Bayonetta and also there were a lot of people who wanted to see a sequel to the original game.
I personally also wanted to create a second game as well. It's because these expectations for a sequel matched that this game came about. Should the opportunity arise I'd definitely like to keep nurturing this franchise. It might not be me [directing], but should somebody else take over I would definitely be there to support and help just as Mr. Kamiya has for me. Though there's a chance I could direct in future as well!
Is it a relief for your team to finally be able to iterate on an existing IP, rather than invent an entirely new one?
Actually it's the exact opposite: I don't feel a sense of relief because when you create a sequel expectations are expanded and we have to surpass that expectation, otherwise players are not going to be satisfied - and if I was an end user, I wouldn't be satisfied.
Some fans worry that the new Umbran Climax system may dumb down the intricacy of the action. What do you say to this?
I think that whenever you implement something new you'll get a different array of opinions. With Umbran Climax we tried to focus on making the gameplay more fun and enjoyable, and in that sense the game doesn't actually require the player to use it. You don't actually have to use it at all to enjoy the game.
I think we fans play it for themselves they'll realise that it feels good and is really enjoyable. I think it's something that you won't really be able to graps until you play it. But of course, if you still don't like it then you can choose to play Bayonetta 2 as if it's Bayonetta 1. We've designed the game so that that's absolutely possible.
Spinning off from that, how do you balance the opinions of the fan community and your own desire to reach a new, bigger audience?
We didn't try to make the game any easier in that sense. What we focused on was the flow and the tempo of the game as it progresses. We also made sure that because this is an action game, that satisfaction and rewarding feeling is still there. That's what we focussed on for the sequel.
What about East and Western audiences - did you have to consider different regional tastes when designing the game?
I've thought a lot about what works in one region versus another. I've had the opportunity to work on games like Devil May Cry and Resident Evil, but even then we just focussed on the game ideas we wanted to implement. That spirit has passed on to Bayonetta and we've really just focussed on expanding the world view of the game. We haven't been too worried about regional differences.
Do you think there's a danger when Japanese developers worry too much about appealing to the Western audience, in terms of diluting some of their creativity?
Yes, there is a danger. I feel like there are a lot of times when you'll be told, 'this is expected in a certain region, so please put something like that in the game', but when you take that kind of approach your creativity gets impacted - what you're creating becomes the same as everyone else. There are many companies that enforce that.
I feel that it's important to let your creativity flow and Nintendo has been able to provide us with the freedom to do what we had originally envisioned. We were able to have a lot of back-and-forth between Platinum Games and Nintendo and they were able to provide objective feedback; 'Maybe that's a little too much', or, 'maybe you should try this'. I feel that was really good and helped push Bayonetta 2 to even higher quality.
We started out with a fundamental freedom, with Nintendo telling us to go and create the game as we saw fit. But as the game started to take shape and we were starting to put all the pieces together, they were able to point out some things that we didn't realise ourselves. That was really helpful for us.
"It was Mr. Kamiya's strong desire to put [Nintendo] costumes into the original Bayonetta"
The original Bayonetta felt perfectly tuned for the Xbox 360 controller. Have you had to make any changes to fine tune the action for the Wii U Gamepad?
The answer is definitely yes. The hardware itself is different, but if you want to have the feel that you had on Xbox 360 you can always try the Pro Controller. We made sure that the experience is on the Gamepad is just as enjoyable, but different. We focussed a lot on that.
If you're using the Gamepad and get tired of that, you can also switch to touch control which is made to be a seamless as possible. We tried to create touch controls that made sense and really approach them from the user's perspective: 'if I was an end user, how would I want the touch screen to react?'
You've announced plans to include the original Bayonetta game in the Bayonetta 2 retail package. How did you come to that decision?
During the development of Bayonetta 2 we had a discussion with Nintendo about how great it would be to offer the ability to play Bayonetta 1 on the same console, which is how it happened. Of course it had to be a perfect port, but on top of that we wanted to add some additional, fun features that we wanted to see such as new costumes.
How challenging was the port process and what new content did you add?
We added the new costumes that I mentioned, as well as touch screen controls. We also added support for gyro sensors - I can't really divulge where we use them, but they're in there. As far as the port work is concerned, it's never easy to port to any system, but as we were developing Bayonetta 2 we became very familiar with the features of the Wii U so it worked out OK.
Once you ship a game for a piece of hardware, you get to know it very, very well. I'm glad that I had the opportunity to do so with Wii U.
Where did the idea for the Nintendo-themed costumes come from? Are there any more we haven't seen yet?
It was Mr. Kamiya's strong desire to put costumes into the original Bayonetta and they're all from his favourite games of that generation. As far as costumes you haven't seen yet... it's a secret! Please look forward to this.
Tomonobu Itagaki, the creator of another famous action series in Ninja Gaiden, has also partnered with Nintendo this week. Do you feel like that goes someway in validating your original decision to develop for Wii U?
I don't feel like we're focussed on Mr. Itagaki. But seeing a lot of developers create great games for Wii U and allowing us to expand the repertoire of the system... I'm happy to be a part of that. It's like a vending machine; adding to the drinks selection makes that machine even better.
For me, being able to focus on just one platform also makes it much easier for me, so I was definitely glad that we decided to make a Wii U exclusive.
"We learned from Nintendo and if possible we would love to [partner] again"
Do you think Bayonetta 2 can help expand the Wii U audience? Can fans of the original game be persuaded to purchase a system?
That's a really hard question to answer and honestly I don't know. But I think it would be great if even more people became interested in Wii U through Bayonetta 2. The reason we decided to include the original game in Bayonetta 2's package is to serve that function. If somebody was to take interest and purchase a Wii U because of these games, I don't think they'll be disappointed.
You touched on the future of the Bayonetta series earlier... what role does Nintendo have in the next Bayonetta games? Have the two become intertwined?
In terms of nurturing the content of this game, there's a lot that we learned from Nintendo and if possible we would love to do it again and keep nurturing our child.
How important do you think it is to diversify the genres and races of characters we see in video games? At E3 this year, the biggest games still seem to be dominated by angsty, Caucasian men...
You're right - there are a lot of Caucasian characters in games. Platinum Games doesn't have a direction or rule as to that kind of thing. What I feel is important is to first create the world of the game and then decide what kind of character or style best fits that setting.
I really do think it depends on the setting and its important to have all the features match the world view of that game. For example, if you were watching an American police drama on TV, it would be very awkward to have a Japanese main character.
Regardless of male or female, I think it's important to have an all-round attractive character and that extends to age as well, whether it's an adult or child character.
We're pretty close to release now... do you feel you've achieved your missions and surpassed the quality of the original game?
I don't know yet, because when I was working on the sequel there were ideas that I wanted to put into the game and definitely surpass the original, but until the end user plays the final game and gives feedback, I don't know. If the players are satisfied, then I'll know I was successful. In this version we packed it full of content and there are many different ways in which the player can enjoy the game. I really hope that every body is able to play the game in all the different ways it provides.


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EVOLUTION OF A BUTTERFLY: Wine Tasting for a cause2GrassROOTS Community FoundationSaturday, March 15, 2014 from 6:00 PM to 10:00 PM (EDT) |
Who's Going
San Francisco, California
London, United Kingdom
Florence, Italy
Event Details
Join Legend Winery and Vonda Colson on June 3 to dusk
Enjoy a fun night and wine taste for a cause. Proceeds benefit the GrassROOTS Community Foundation Super Camp--a summer camp for elementary school girls. To learn more about GrassROOTS Super Camp: http://grass-rootsfoundation.org/supercamp/SuperCamp.html
Party for a purpose. Elevate a girl.
Purchase a ticket at: http://supercampbutterfly.eventbrite.com
Cost $15; Must be 21+
Any questions, contact Vonda Colson at 410.499.3905 or email@example.com
When & Where
3634 Forest Garden Avenue
Maryland 21207
Saturday, March 15, 2014 from 6:00 PM to 10:00 PM (EDT)
Add to my calendar
GrassROOTS Community Foundation
GrassROOTS Community Foundation (GCF) is an anti-poverty and wellness organization that uses health as its core strategy for mobilizing community action and for offsetting economic disadvantage.
Our efforts focus on supporting organizational, community and policy health initiatives. We support, develop and scale social action public health programs for women and girls because they are often the primary caregivers, are at the highest risk for poverty and health challenges and are most likely to return their wealth to their communities.
- Engage and unite for community health
- Fund and provide technical support to community health and wellness initiatives
- Develop models that are low-cost, high-impact, evidence driven and context specific
- Work with girls, their families and community members to create health solutions
- Investigate and collect data to inform policy and practice
- Advocate for health programs and policies that benefit women and girls


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Mueller Kold Towel
Let cooler heads win with the Mueller Kold Towel. Designed with unique super-evaporating PVA material, the absorbent towel holds onto cold water while remaining seemingly dry to the touch. Featuring an inner mesh grid design to easily conform to the body, the Mueller Kold Towel absorbs moisture and stays cooler than the outside air. Ideal for any sport or activity where keeping cool is key.
Size: 17 in. x 12 in. Towel
Brand | Mueller |
Affordable Flat Rate Shipping - All day every day with no minimum.
Flat rate US Postal Service shipping is available for qualifying items with no minimum purchase required. Expedited shipping options are also available at checkout (additional fees apply). To qualify for flat rate shipping, your order must be less than 10 lbs. and have a shipping address within the continental United States.
Order Processing & Delivery Time
All soccerloco.com orders are processed the next business day and shipped Monday through Friday using the method you select at checkout. For more details and estimated delivery times, please review our shipping policies.
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If you are not completely satisfied with your order, return it to us for a full refund within 30 days of purchase. For more information on returns, please review our return policies.
Need more info?
Call Customer Service at 858-430-0476 or email email@example.com.
We Also Recommend


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First-year students are housed in Woodcrest, Xavier, or East Residence Hall. Returning and transfer students are housed in East Residence Hall, the residential houses, West Residence Hall, or the Cabrini Apartment Complex.
Most students are housed in double-occupancy rooms with one roommate. However, some students are housed in single-occupancy and triple-occupancy rooms.
Single-occupancy rooms are reserved first for students with a documented medical need.
Members of the Honors Living Learning Community (LLC) are housed in East Residence Hall. Xavier Hall houses all other LLC students, as well as many non-LLC students.
Because of the diverse needs of students, Residence Life cannot guarantee placement in a particular building or area.
New Resident Students First-year residents receive their room assignment (building and room number) and roommate contact information during Summer Orientation.
Returning Resident StudentsFirst-year students, sophomores, juniors, and seniors can apply for housing for the next year each spring.
Upperclass students who apply for housing receive a random, computer-generated lottery number that determines the order they will select housing.
Lottery numbers are emailed to students' @cabrini.edu email addresses.
Applicants participate in "Room Pick" and finalize their housing by signing a housing agreement and submitting a $200 housing deposit, due at the time they select housing.
A very limited number of single rooms are available.
Certain spaces in each residence hall are reserved for medically necessary special accommodations.
Students who do not complete their housing application, do not participate in Room Pick, or are unable to secure a space in housing during Room Pick may be placed on a housing waitlist.


text: Super Stacker II gamesBookmark the permalink. Release date: Apr 17th, 2012 Price: 0.99 Version: 1.3.5 Seller: aijun she Buy Now STP SCORE: Not yet reviewed Description Related Games SXPD Metal Slug Defense Godzilla – Smash3 WreckMan: Rise of a Hero Warhammer 40,000: Carnage The Amazing Spider-Man 2 Monument Valley Threes! Bardbarian RoboCop


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As the person that reviewed both of these devices, the Thrive and Thrive 7, here at Android Police, I felt something of a responsibility to post on this matter. On its community forums, a Toshiba rep issued the following statement on the status of the Ice Cream Sandwich update for its Thrive tablets:
Verizon has just uploaded the official support documents for the RAZR / RAZR MAXX Ice Cream Sandwich update (which by the way will be build 6.16.211 – the same build that recently leaked). With the docs going live just moments ago, users should expect the update to officially start rolling out any day now.
Look at you - going for a run without a gizmo to track your progress and bother your friends on Facebook. Lame, right? Well grab your sneakers, because the Nike+ app had landed in the Play Store, and it's free.
The app connects you to nikeplus.com, which acts like a portal for all the social features in Nike+, as well as a larger interface to check out your run data.
In all honesty, I get a little more excited than I probably should when it seems like someone's marketing department has accidentally revealed juicy details. Today, after seeing Jelly Bean 4.1 teased in a thumbnail image and checkout page (which was quickly redacted), it seems that Sprint may have let slip the existence of a white version of the HTC EVO 4G LTE. In a banner found on the Now Network's website earlier today, we see a white Samsung Galaxy SII (nothing surprising there) right next to a white and silver version of the EVO LTE.
Google's Android Developer's site got a massive overhaul today, with a brand new UI, tons of new features, and a unified guide for developers on how to design, develop, and distribute their apps all in one place. The new site is fantastic-looking. Clearly Google wants to engage developers more and give them more guidance on how to succeed on the Play Store. So, what say we take a tour?
About Android
For anyone who's been kept in the dark, or just doesn't know everything there is to know about Android yet, Google's provided newcomers with a section just to tout the advantages of developing for Android.
Google's let a bit of info slip a little early via the Play Store. When purchasing a Galaxy Nexus via the site, while checking out, the device is listed on your order as "Galaxy Nexus HSPA+ - The latest smartphone from Google, soon the first phone with Android 4.1 Jell..." This marks the first time the name Jelly Bean, and the version number 4.1 has been referenced publicly.
More interesting than that, however, is that the listing specifically says that the HSPA+ Galaxy Nexus from the Play Store is "soon the first phone" running the new OS.
Back in January, Tivo released its official Android app, but it was designed specifically for phones. Now, the company has released a version designed for tablets. With this fancy new remote control sorcery, you can do a number of things from your Android tablet, including:
- Browse the channel guide without interrupting the show you're watching - View shows up to 14 days in advance
- Schedule TV show/movie recordings and ongoing (Season Pass®) recordings
- Browse your recorded shows list and play a show from the App
- Find exactly what you want to watch - Search across TV, Netflix, Amazon Instant Video & Blockbuster —and see integrated results on Demand to find what you are looking for
- Explore cast and crew while watching a show
- Comment about what you're watching on Facebook or Twitter
- Use a TiVo remote control replica or our intuitive, gesture-based remote control
- Manage your ongoing (Season Pass®) recordings and your To-Do List
- Delete and reprioritize recordings for your favorite shows - Instantly schedule, search and browse for shows while you're away from home
And you get all of this digital magic or the low, low price of nothing.
Google has done a lot to improve the web version of the Play Store since it was launched, but there has always been one major flaw: one-way comments. Users could leave comments about what is good, bad, or broken about an app, but developers had no way to reply to the comments. Ergo, many developers started to include a disclaimer at the bottom of their listings that states they cannot reply to comments, so users should contact them via email with issues.


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Kim Kardashian and Kris Humphries Love Timeline
March 27th, 2011 - The duo are able to keep their long distance love strong as Kim headed back to the tri-state area to support her New Jersey Net, Kris Humphrey. The two were spotted taking a leisurely Sunday stroll.
Source: Splash News Online


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Third Millennium Bible (TMB) | New International Version (NIV) |
15 "As in the days of thy coming out of the land of Egypt, will I show unto them marvelous things." | 15 "As in the days when you came out of Egypt, I will show them my wonders." |
Third Millennium Bible (TMB), New Authorized Version, Copyright 1998 by Deuel Enterprises, Inc., Gary, SD 57237. All rights reserved. (Third Millennium Bible Online) | Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online) |


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Pittsburgh, PA (Sports Network) - Garrett Jones singled on a full-count fastball with the bases loaded in the bottom of the ninth inning, scoring Ronny Cedeno to send the Pirates to their second straight final at-bat win, a 5-4 comeback triumph against the Reds.
Pittsburgh trailed 4-3 entering the bottom of the ninth, but Francisco Cordero (1-1) surrendered two hits and three walks to the Pirates, who have won three of their last four games.
Lastings Milledge doubled and drove in two runs as no Pirate racked up more than one hit. Milledge was the hero Friday night with an RBI single in the ninth inning, and the Pirates scored twice in their last at-bat Saturday to steal another victory.
Daniel McCutchen, making a start for the injured Ross Ohlendorf, surrendered three runs on four hits in four innings. Jack Taschner (1-0) picked up the win after tossing a perfect ninth.
"Offensively, we weren't able to do much," said Pirates manager John Russell. Both bullpens did a nice job and we got to a very good closer. The guys really battled and had some very good at-bats late and, we got the big hit at the very end."
Johnny Cueto lasted five innings and allowed three runs on five hits for the Reds, who have lost four in a row. Joey Votto had three hits with an RBI and scored twice in defeat.
In the top of the first, Jonny Gomes brought in Orlando Cabrera with a sacrifice fly for a 1-0 Reds lead.
The Pirates tied it in the bottom half as Andrew McCutchen scored from first on Milledge's double to left-center field. Two batters later, Delwyn Young doubled to drive home Milledge for a 2-1 lead.
Cedeno led off in the second and grooved an inside fastball down the left- field line, barely clearing the fence for a 3-1 Pirates lead.
Cincy tied the game in third, as Cabrera doubled with one out and Votto brought him home with a double. After Phillips and Gomes walked, Jay Bruce drove a sac fly to center, plating Votto for the third run.
In the fifth, The Reds jumped ahead 4-3 on Phillips' one-out double off D.J. Carrasco, which plated Votto. The first baseman singled and stole second to set up the RBI opportunity.
After not being able to get a runner past first base after the fourth, the Pirates threatened in the ninth as Cordero allowed a one-out, pinch-hit single from Ryan Church and consecutive walks to Cedeno and Akinori Iwamura to load the bases. McCutchen then popped out to left, which held Church at third, but Milledge drew a free pass to tie the game. Jones then blasted a shot to the gap to plate the game-winner.
"That's tough to take two nights in a row," said Reds manager Dusty Baker. "We were one pitch, one out away from winning that game. It just shows that it's never over until it's over, but you just hate to lose like that.
Paul Schrieber
Rob Drake
Joe West
Angel Hernandez


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Latest News
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Bible in Basic English (BBE) | New International Version (NIV) |
25 Never before had there been a king like him, turning to the Lord with all his heart and with all his soul and with all his power, as the law of Moses says; and after him there was no king like him. | 25 Neither before nor after Josiah was there a king like him who turned to the LORD as he did--with all his heart and with all his soul and with all his strength, in accordance with all the Law of Moses. |
The Bible in Basic English is in the public domain. (The Bible in Basic English Version Online) | Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online) |


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Negative attitude at champion select
Hello Riot,
I have read your concerns about a voting system, I came up with something that I believe meets your demands: The Voting System At the beginning of a season, every player is given 3 vote tokens. A vote token can be used to start a vote to kick a player out of the champion select lobby. Once a player has been kicked out of the lobby, an option for reporting him will be made available. The report will be presented at the tribunal, and it will include a copy of the pre-game chat and the list of champions and their summoner spells. Furthermore, the kicked player is forced to wait a few minutes before queuing again. To prevent abuse of the system, the following rules would apply:
Riot's Concerns Quote:
Note: I reposted it in this sub forum because it didn't belong in general chat Original thread may be found here: http://na.leagueoflegends.com/board/....php?t=2635367 |
The person that thought of this system is heading in the right direction, however i think to help with your concern of premade teams it could be made that the system is only usuable in ranked play so that only 2 people can be grouped togeather at most and it is ranked i think where the problem really lies. I just had a problem in a ranked game where someone at the bottom called carry but it was taken by someone above them and instead of choseing a different role they decided they would carry as well which i have seen more then once before. Because of this i had to leave meaning i recieved a half an hour ban, even though all i did was spare my team from defeat, and the offendor got off to just go and do the same thing again, which is why this system would be a huge improvement.
problem is your essentially having people report a player in the lobby before the game actually starts. yes u need all 4 players and it's limited to once a day but that's not uncommon at all in lower ellos where they believe that tier list bs actually applies to them and won't hesistate to vote kick someone who plays something unorthodoxe like say a karma or a zilean even though they aren't by any means weak in that ello.
I hear everyone's concerns but something needs to be done. it is getting old having to drop from games just because a couple kids want to ruin it for everyone. the other day i had to drop out of three different games and they said how they were laughing so hard over skype. these people need to be punished. stop trolling at character select.
TBH, I wouldn't even care if I got kicked from a ranked game because I picked Zilean. This couldn't happen to me multiple times in a row, because people would run out of vote tokens, and the odds of all 4 allied players wanting to kick me because I played Zilean are extremely low. If that's really how they feel, let them kick me. If there's no queue penalty on getting kicked, then I wouldn't care.
All times are GMT -8. The time now is 10:45 AM. |
(c) 2008 Riot Games Inc


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1986 Iowa football's Rob Houghtlin with a game winning kick against Minnesota [YouTube]- With the score tied at 27 and 5 seconds left in the game theHawkeyes' Rob Houghtlin attempted a 51-yard field goal and missed.However, Minnesota was penalized 15 yards for having too many men onthe field so Houghtlin got to try again from 36 yards out and this timehe made it. Iowa won that game 30-27.
[Read the Complete Post]


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MUMBAI: An unidentified person on Wednesday fired a shot inside filmmaker Mahesh Bhatt's office at Juhu. Mr. Bhatt was away at that time. Later, a man claiming to be gangster Ravi Pujari called up TV channels and vowed to kill Mr. Bhatt alleging that Mahesh was very close to Dawood Ibrahim and Chhota Shakeel.
More In: Today's Paper


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UK & World News
Mikaeel Kular: How The Police Operation Works
Finding a three-year-old who went missing from his home in Edinburgh "as quickly as possible" will be paramount as a major police investigation gets under way.
The police search will focus on the immediate area surrounding Mikaeel Kular's home in Ferry Gait Crescent.
Former Chief Superintendent Chris Gregg of West Yorkshire Police told Sky News: "Where could this child be? If the child has wandered away where could he be - this will be the focus. Has the child done anything like this before?
"The investigation will just be kicking in but speed is of the essence. They've got to try and find the child as quickly as they possibly can.
"We've seen too many cases in the past where a delay has caused really serious consequences. We'll be looking at the demographics of the area."
Figures from the police in Scotland say half of one to four-year-olds who go missing are found in the time between the 999 call and the arrival of the police. Some 99% are found within three hours.
Officers will also examine the dynamics of the family to see if anything like this has happened before, said Chief Supt Gregg.
He said: "We don't know the full circumstances yet. A senior officer will be putting many things in place very quickly."
Police Scotland Superintendent Liz McAinsh, who is part of the investigation, said: "The focus is on speaking with members of the family and on searching the local area. We usually will start in the immediate vicinity, which is the family home and then spread out."
Mikaeel Kular was last seen going to bed at home at 9pm last night but when his mother went to find him at around 7.45am, the little boy was missing.
:: Watch Sky News live on television, on Sky channel 501, Virgin Media channel 602, Freeview channel 82 and Freesat channel 202