text:
There's a whiff of '68 in the air. At least 200,000 demonstrators are expected to converge on the Republican National Convention at Madison Square Garden in New York -- the largest such crowd since the Yippies gamboled in Chicago's Lincoln Park back in the days of the People's Revolution. My son, Alex, who is not quite 14, is begging us to let him join the protests; he had a peace flag hanging out his bedroom window for much of this past year, and he believes that no denunciation of the Bush Administration can be too extreme. And judging by the popularity of ''Fahrenheit 9/11,'' and by the fighting-mad spirit of Howard Dean's candidacy, a sizable body of Americans feel the same way. It has become increasingly common to hear the war in Iraq described as a political miscalculation and a moral catastrophe on the order of Vietnam.
I was almost exactly Alex's age in 1968. At the time, I was an avowed moderate: I was a Hubert Humphrey Democrat, and I recall supporting something called ''the Gavin Plan for phased withdrawal from Vietnam'' -- the equivalent, more or less, of John Kerry's pledge to bring the boys home from Baghdad by 2008 or so. But before long, I had shed this mortifying timidity and I was fully ''radicalized.'' I was proud to roam through the freezing chaos of the Mobilization for Peace in Washington. If you had asked me to sum up President Nixon in a single word, I would have said ''fascist.'' Of course, I would have taken an almost equally dim view of President Johnson. Everyone understood that the difference between the parties was trivial compared with the vast gulf that separated the entire political system -- and the academic and clerical and cultural and what-have-you systems -- from the protesters and the radicals. It was power itself that was rotten; evil policies, like the prosecution of the war in Vietnam, were the emanations of a fundamental corruption.
Many of us who are old enough to have imbibed the revolutionary pieties of the 60's have spent years clearing the fumes from our head. We've sworn off the glamour and cheap satisfaction of the categorical judgment and seen through what the critic Leon Wieseltier recently called the ''delirious release from the complexities of historical and political understanding.'' We've found in the works of formerly despised liberals, like Isaiah Berlin, a kind of moral imperative in the making of distinctions, and in skepticism before absolutes. And we learned that power is not, itself, rotten, and that the overall arrangement of things in America is no worse than elsewhere, and generally a great deal better.
I suppose that's why I found myself loathing ''Fahrenheit 9/11.'' Michael Moore seemed determined to resurrect the moral posturing and the apocalyptic suspicions of our youth; indeed, I found the movie's psychic substructure almost more infuriating than its wild accusations. Hadn't we driven a stake through the conviction that everyone who disagrees with us is motivated by evil designs? Are we still -- or rather, once again -- drunk on the heady wine of total denunciation? Can't we get over the idea that the only authentic position is the radical one? Here was the release from complexity in all its giddy delirium.
And so while I'm sure that if I were 14 I would worship Michael Moore as a voice crying in the wilderness, and while for that very reason I may even let Alex join the protests if he can find a responsible adult to go with, I am permanently, and maybe even excessively, cured of the wish to vent my outrage en masse. My idea of an encouraging political portent is the runaway success of the paperback version of ''The 9/11 Commission Report,'' implying as it does that the public is hungry for a penetrating but sober and impartial critique of the Bush administration's response to the terrorist threat. You do not have to feel that Iraq is the moral equivalent of Vietnam -- you do not even have to believe that the war was a mistake -- to read the report as a damning account of both intelligence and political failure.
But the 9/11 report is still a long way from the sales figures racked up by all those books by Al Franken and Molly Ivins and, of course, Michael Moore that appeal to the exponents of Bush hatred. The outrageous attack on John Kerry's war record by the Swift Boat Veterans for Truth was instantly countered by a dubious ad assailing George Bush's service with the Air National Guard -- though arguably a much less irresponsible one -- sponsored by MoveOn.org. It's no surprise that Bush hatred has now come to be seen as an equal and offsetting phenomenon to the Clinton hatred of yore. As editorialists gravely lament the decline of civility on both sides, the Democrats seem to have lost whatever moral advantage accrued to being the party of moderation.
You can be sure that we're going to be hearing a lot about this during the convention. The president's political operatives have made sure that prime-time slots will be filled by celebrity G.O.P. moderates like Rudolph Giuliani, Michael Bloomberg and Arnold Schwarzenegger, while Christian conservatives will be kept mainly on the sidelines. The convention will be a jamboree of Republican reasonableness, culminating in a solemn address from the president himself. Meanwhile, protesters, or at least some of them, will be comparing President Bush unfavorably with Saddam Hussein. Republicans will seize on the hyperbolic rhetoric -- and what's the point of a demonstration without hyperbolic rhetoric? -- to argue that John-Kerry-of-liberal-Massachusetts is the stalking-horse of the Democratic left. We'll read more of those head-shaking editorials whose implicit premise is that extremism is a broad cultural propensity rather than an ideological characteristic peculiar to one party. And that's a winner, too, from the Republicans' point of view.


text:
Make Awesome Funny Photos with Funny Cams!
Also play our other fun frames and cams
New Halloween Frames!
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A Google User
Suspious app Why need my phone call data? I can't exit and it always tells me to install another app. I push home and force stop it and then uninstall
A Google User
Ok i supose This isnt the best app but it works.... I have done loads but the face doesnt mach the skin that much. I have tried everything oh well... Its better than nothing x :/
A Google User
Great idea... but wont line up - transformer prime The picture i edit doesnt save the way it looks... even when i hit preview the pictures dont line up correctly on my transformer prime
A Google User
Chicken wings Bro it is so awsum man fo sum reason I can't get th downloading thing,couldn't it already cum wit it all.but otherwise it is great as chicken
Ruthann Herrera
Dissapointed It keeps automatically foreclosing ..I have a galaxy s3..it has a lot of fun frames but unfortunately there's no point since I'm not able to use it.what a waste of time!
A Google User
Ahasome Somqe rocksAfsh eggs. Fyssh affairs. Res access shut style Tyson shudder Figueroa edge For dying She Ethelene Rihanna Shh Trey songz fhktk- x
User reviews
Suspious app Why need my phone call data? I can't exit and it always tells me to install another app. I push home and force stop it and then uninstall
Ok i supose This isnt the best app but it works.... I have done loads but the face doesnt mach the skin that much. I have tried everything oh well... Its better than nothing x :/
Great idea... but wont line up - transformer prime The picture i edit doesnt save the way it looks... even when i hit preview the pictures dont line up correctly on my transformer prime
Chicken wings Bro it is so awsum man fo sum reason I can't get th downloading thing,couldn't it already cum wit it all.but otherwise it is great as chicken
Ahasome Somqe rocksAfsh eggs. Fyssh affairs. Res access shut style Tyson shudder Figueroa edge For dying She Ethelene Rihanna Shh Trey songz fhktk- x
When I take pictures they just show up as a bunch of vertical colored lines. Apparently it doesn't work on HTC desire s.
Good It is a fantastic app but it should have a flip option and the ads that show up when you press the exit button become a bit irritating. Otherwise, its fantastic!
Sort it out You pick your picture, you spend your time zooming & rotating & changing colours & playing with all of the settings, then you save your creation to show your friends and ............. your picture has moved in the background. Crap, waste of time, could be really good, deleted!!!
SAME PROBLEM EVERYONE ELSE HAS! This app has turned into such a disappointment! It worked when I first got it, but now the faces don't save the way you place them. Their lined up so their always of center. Why the heck don't they fix this with all is folks saying the very same thing? What the hecks wrong with these people. To me it makes no since especially because they've got so pretty cool frames. Bummer! You think they would at least have kahonies enough to answer us!
Fun so far... I am still new to it and I'm sure it takes practice so I will give a follow-up review later.
Jessica This app works on the new version of the mytouch Q. Able to send the pictures u make in text and view in your phones gallery. I have not had any problembs with this app.
Funny camera Lives up to its name:) just needs more movie scene pics than papparazzi pics..
-__- Love the frames Hate the way its posted on fb and after saving the picture It's not aligned properly . I tried to save it directly to my SD card it wouldn't let me this app makes me mad because it has good frames but it seems more focused on tryin to advertise using your fb info
! Will not download pictures, keeps saying no connection when I have perfect connection.
So much fun!!! It's so easy to do! Lots of famous faces. Really enjoy putting my family's faces with people! Fun
Need lots of coorection Its better than others but needs lots of correction . Even sometimes when u take a pic after u see it the face has shifted to side .
Love this!! Makes everyone look good OR ridiculous. Lots of laughs either way.
How funny the app is So funny every time i look at thr funny picture i laf my head off the bad thing is that you coulf have more funny frames
Disappointed It is a cool app when you are adding your pic to it is but when you save it your image you added is askew and it doesnt save right. Sad and disappointed. Deleting it now.
Could have been a fun app... It could have been a really fun app, but there are just too many little problems. First, the controls are terrible. Instead of using multi-touch controls, you have to adjust everything with a slider bar, which is poorly done. I moved the image many times trying to change the zoom. You also can't you the front facing camera.
Very good app Runs good on galaxy s vibrant. 5 stars for more variety.
Used to love it! But once I got a new phone and reloaded... The pictures, even after you match them to the face, during save...it moves them :( HTC sensation... Uninstalling for now... Hope a fix comes soon.
Great pics, but its not so smooth, u can obviously tell they're edited pics. Photofunia still best BY FAR! Uninstalled
What happened?? i used to love this app and use it often before...just havent used it recently but when i tried creating a pic now and save it...the face where we are suppose to place the pic is still hallow, empty pitch black face..the only thing that's saved are d frames u choose from but d pic u'll add up is not there...PLS FIX IT!!! then i cn give 5 stars again...thanks
Great funny app, be better if u could ask for a celebrity insted of only getting selected ones,
was good 2 days ago worked perfect!! now shuts down everytime i try to open it!:-( was happy at start now it doesnt work at all!
Ur could've been better if ur would bit drop n freez on me sooo much.
Hey this app I s amazing I've done it with all my families photos and its hillarious !
Sucks?! It was great at 1st, I updated....n it won't even open....Wtf?! Kinda update is that.
Additional information
October 29, 2011
1,000,000 - 5,000,000
Current Version
Requires Android
1.5 and up
Content Rating
Flag as inappropriate Offered By
Strange Camera - funny selfie
Take funny photo !
Strange Camera creates strange ugly face picture in a very few steps.
Strange Camera creates strange ugly face picture in a very few steps.
What you should do is just take photo.
・Several effects that result in ugly funny faces; distort, duplicate and transform your face.
・Live filters; watch the result before even taking the picture.
・Tweet your pic as an animated GIF.
I hope you totally enjoy.
Funny Camera
*** Make your daily moment MORE FUNNY with FUNNY CAMERA ***
*** Now you can apply color effects to your photos, though it is not as good as Instagram! ***
*** Now you can apply color effects to your photos, though it is not as good as Instagram! ***
"Funny Camera" is a collection of more than 80 funny photo frames for you to decorating your photos. This app has the same function as the Funny Photo Frames, Funny Photos,...
Some feature:
* Select Photo: select an existing photo for decorating with funny frames.
* Take Photo then Add Frames: you take photo first the add funny frames for the taken photo.
* Take Photo with Frames: take photo and choose funny frames at the same time. This allow you to choose the most suitable frames and preview the result before taking photo.
Camera ZOOM FX Premium
Best apps of 2014 - Google Play, #1 MUST-HAVE APP FOR PHOTOGRAPHERS
★★★★★ Editor's Choice - Google Play, Gizmodo + SlashGear
★★★★★ "The Best Camera for Android" - lifehacker
The final choice for 2,000,000+ people!
● Fastest camera on Android
● Best Photo Mode!
● Stable Shot
● Timer
● Voice Activated
● Burst Mode
● Collage
● Time Lapse
● HDR Mode
● Silent camera mode
● Grid overlays
● Horizon level
● Set actions for hardware buttons, e.g. volume to control zoom.
● Powerful editing suite
● 1-click presets: Diana, Retro, Holga 35mm, Toy...
● Total control of color, vignettes and fun effects
● Collages: e.g. 2x2 selfie shots
● Tilt-shift
● Light leaks
● Bokeh FX
● Fun camera props
● Famous 'buddies'
● Shutter animations
● Scary Halloween ghouls
● Frames
"our choice for the best camera app around ... a ton of different effects if you're in the mood for a Hipstamatic type shot" - lifehacker
"grab this to show off to your Apple-loving buddies" - SlashGear
"greatly improves the usefulness of your Android" - Gizmodo
"Few apps offer as many options for shooting as this one" - WIRED
Camera FV-5
Camera FV-5 is a professional camera application for mobile devices, that puts DSLR-like manual controls in your fingertips. Tailored to enthusiast and professional photographers, with this camera application you can capture the best raw photographs so that you can post-process them later and get stunning results. The only limit is your imagination and creativity!
Major features:
● All photographic parameters are adjustable and always at hand: exposure compensation, ISO, light metering mode, focus mode, white balance and program mode.
● DSLR-like viewfinder display: see exposure time, aperture and stops display with EV and bracketing settings, in real-time!
● Full fledged exposure bracketing: from 3 to 7 frames, unlimited stops spacing, plus custom EV shifting.
● Built-in intervalometer: make stunning timelapses (even bracketed/HDR timelapses) and time-controlled picture series.
● Program and Speed-priority modes.
● Long exposure support: take beautiful night photos and light trails with long exposure times up to 30 seconds**.
● JPEG, true 16-bit RAW in DNG format*, and lossless PNG photo capturing formats, perfect for post-processing.
● Manual shutter speed: from 1/80000 to 2", or the range available on your device*.
● All camera functions assignable to volume keys. You can adjust EV, ISO, color temperature and more using volume keys. Devices with hardware camera shutter key are also supported.
● EXIF and XMP sidecar metadata support.
● Autofocus, macro, touch-to-focus, true manual focus* and infinity focus modes. Autofocus lock feature (AF-L).
● Autoexposure (AE-L) and auto white balance (AWB-L) locks in Android 4.0+.
● In background photo and RAW developing and processing allows a smooth, uninterrupted camera operation.
● Digital zoom using multitouch pinch gesture. Also shows 35mm equivalent focal length!
● The most advanced electronic viewfinder: live RGB histogram, 10 composition grid overlays and 9 crop guides available.
● Powerful organization options: different storage locations and fully customizable file names (even with variables).
● The user interface is available in more than 30 languages.
This camera application completely avoids scene modes, instead you get full manual control over all photographic parameters, just like you do with a reflex camera, so you can ultimately control every aspect of the picture, and leave the post-processing to the computer. So after your DSLR, you will never miss a photo opportunity again, being able to capture it with the closer sensation to your DSLR as possible.
IMPORTANT: If you find a bug using the application, PLEASE, visit the web page http://www.camerafv5.com/ or write to email@example.com with your phone model name and the description of the problem, before writing a negative comment. Customer satisfaction is our priority, and we will do our best to fix the issues as soon as possible!
Connect with Camera FV-5 and stay always up to the latest information about current and future development. Visit the official website http://www.camerafv5.com, be a fan of http://www.facebook.com/CameraFV5, subscribe to http://www.twitter.com/CameraFV5 or watch tutorials at http://www.youtube.com/user/camerafv5.
* Requires Android 5.0+ and a fully compliant Camera2 implementation. Currently only LG Nexus 5 and Motorola Nexus 6.
** Requires Android 5.0+. Compatible as well on the Samsung Galaxy Camera (1 and 2), Galaxy S4 Zoom and HTC One (M8). On Android 4.4 or older, long exposures lowers picture resolution to 2 or 1 MP, depending models. The reason is explained here: http://www.camerafv5.com/faq.php#long-exposure-resolution
Permissions explained:
- Approximate location and precise location: only used for geotagging functionality (disabled by default, and requires manual GPS activation).
- Modify or delete the contents of your USB storage and take pictures and videos: required for the usual camera operation.
Cartoon Camera
One of the coolest free Android camera apps ever created!
Create cartoon and sketch like photography with your camera.
We have just released Hill Climb Racing, it's one of the most entertaining and addictive FREE driving game made for android!
Like us on Facebook and stay tuned for all new cool releases and updates: http://www.facebook.com/Fingersoft
This is the free version with advertisements. There is also a pro version available without ads and all filters are unlocked. Please notice that you can also upgrade to pro version for free by using GetJar Rewards.
- Real-time cartoon effect
- 12 effects: Cartoon, Color Drawing, Sepia, White Strokes, Dark Strokes, Colored Edges, Pencil Sketches and many more
- Adjustable edge strength (slider on the right side of the screen)
- Adjustable color sensitivity / saturation (slider on the left side of the screen)
- Save images quickly by a single touch of a button
- Supports auto focus (tap anywhere on the screen)
- Supports camera flash
- Supports front camera (requires Android 2.3+)
- App can be installed to SD
- Saved images are stored to external storage under CartoonCamera folder
Cartoon Camera - Use Your Phone Camera to Paint Your Life - appeggs.com
Nice trivia: The app icon and in-app buttons were first drawn with colored pens on paper and then photographed with the Cartoon Camera app itself and then put into the app.
Camera illusion Pro
Thanks for your support! More than 3 million downloads of the previous version made us work very hard over the past year to present the new version. We hope you enjoy all the new features!
"Camera illusion Pro" is the camera application that lets you process photos in real-time, previewing and taking amazing pictures combining cool effects, filters and masks.
Easy to use for taking funny pictures, but also very powerful for use by professional photographers or artists. We're sure that you'll love it!
PRO version includes these additional features:
- Full resolution pictures with most of the filters & effects
- Ad-free
- New filters: lomo, emboss & customized
- New effects: sharp, glow & waves
- Additional masks
- Free updates with cool features
Each purchase motivates us to further improve the app and work on new innovative features. Thanks!
----- What's new in 2.0? -----
- New user interface (360º free rotation)
- Improved filter/effect speed
- HD button - full resolution pictures with most filters/effects (PRO version)
- Front camera support (Android 2.3+ required)
- Zoom (if supported)
- New flash modes for HD photos
- Optimized for Tablet
- Adjustable filters/effects (more in next version)
- Color filter (with hue/saturation)
- Blur effect
- Sharp effect (PRO version)
- Glow effect (PRO version)
- Waves effect (PRO version)
- New cool masks (more in PRO version)
- Autoadjustable mask for all preview resolutions
- Store app on SD (Android 2.2+ required)
- Full quality photo viewer for HD photos (PRO version)
- Direct access to the app using the camera button
- Save also original photo
- Use your preferred "image viewer" app to show the pictures just taken
- Direct button to "Videocam illusion" (video recorder) and "Photo illusion" (photo editor)
- Full italian and german translation. Thanks to Michael Leporia and Stefan Bruns
Candy Camera for Selfie
How to use Candy Camera for Selfie:
1. Take beautiful photo with the available 100+ unique artistic filters
2. Edit the photo with simple and easy photo editing options
3. Share the photo on social media such as Instagram, Facebook, Twitter and etc.
Capture the precious moments with ease and elegance without the hassle of applying filters afterwards!
★Best photo editing app for selfies with 100+ unique artistic filters
★Simple and Easy to use – Take selfies, edit, and share them right away!
★40,000,000 downloads & 4,000,000 active daily users
Candy Camera for Selfie Features:
✔ Real-time filters that do not require post-correction
100+ artistic and unique filters, including a skin correction filter specifically for selfies.
✔ Simple & Easy editing: Change brightness, contrast, saturation, resolution, crop &
rotate photos, Mosaic function, and Lomo effect
✔ Beautification & makeup with a single touch: Skin whitening effect, Blemish removal,
Make-up functions - eyeliner, mascara and blush, and Slimming effect - no blurring, only
natural slimming functions
✔ Tell your own story through decorations: Make your pictures artsy with light effects,
make your pictures stand out with about 100 picture frames available, and create a
unique picture of your own with a diverse range of stickers
✔Instantly share photos to Instagram, Facebook, Twitter and more
Download Candy Camera for Selfie now, have fun putting beautiful effects and indulge
yourself and others in the world of beautiful, fascinating, and memorable photos. Create
an impression that will last forever!
For further information, find us on Facebook:
Beauty Camera - Selfie
This is a selfie camera.
This is a selfie & makeover editor.
This is the best selfie & makeover app.
This is a selfie & makeover editor.
This is the best selfie & makeover app.
"Beauty Camera" is designed to make your photo look more beautiful. Take a selfie and see the makeover magic effect.
When you take photos in dark room, the face or object will not look as beautiful as usual. Beauty Camera helps to solve the problem.
Beauty Camera will help you smooth the skin in one second after you take a selfie or select a photo, which makes selfie more easy and makeover fun.
You can not only adjust the brightness but also tonal and detail of the photo. With this selfie app you can also smooth the skin, remove spot on the face.
Best app for selfie ever!
Come on and enjoy your facial beauty.
With Beauty Camera, you are gonna love selfie.
- Take new photo or select photo in phone
- Compare the effect with previous photo
- Adjust brightness, tonal, smoothing and detail
- Save new image
- Share images with your friends via facebook, twitter, email etc
LINE camera - Selfie & Collage
* Certain users became unable to use the app shortcut as a result of update fixes to version 9.0.4. If you are experiencing any of the problems below, please make the shortcut again.
- Shortcut has disappeared.
- Cannot start app from shortcut.
Please note that the shortcut can be deleted by tapping and holding the icon.
We apologize for any inconvenience this has caused.
★ Over 100 million users in 210 countries!
★ LINE camera has received a total of 500,000 reviews! Thank you for your support!
We will continue to add new functions and improve existing ones in order to maintain our current 4.5 star average, and hope you will continue to enjoy taking and decorating photos with LINE camera!
★ No. 1 in Google Play's Photography category in 19 countries!
[All-in-One Photo Editing App]
Selfies are so much more fun with LINE camera!
Share them on LINE, Facebook, Twitter, and all your other favorite social networking sites!
[LINE camera features]
- New and exciting ways to edit your photos for free!
Over 1000 stamps, including the popular LINE stamps, and over 100 different kinds of frames and rich fonts are at your fingertips for free.
- Over 5000 stamps total
New stamps featuring popular characters and stamps drawn by famous illustrators are added every week to help you spruce up your photos.
- Cute, sleek filters
Highly customizable filters let you make your photos look just how you like.
- Make your own original stamps!
Use your own illustrations, text, or photos to make your own stamps.
- Use the Beauty function to bring out the natural beauty in your photos!
It's simple as pie! Make your photos adorable at the touch of a button!
- Create original collages!
Put a bunch of photos together however you want using the Collage feature!
- A full collection of photography aids!
Use the Timer, Touch photo, Grid Display, and other photo aids to take a photo in any setting.
- Easy photo sharing
Share your photos on a wide variety of social networking services, including Facebook, Twitter, and of course LINE.
Camera features
- Take photos in 1:1 or 3:4 aspect ratios
- Self-timer
- Touch shoot
- Silent shoot (only available on some devices)
- Grid display/Leveler display
Decoration features
- Over 5000 stamps
- Over 100 frames
- Over 30 filters
- 200 different brushes
- Over 100 fonts
- Brushes and text to make into stamps
Beauty features
- Easily adjust the brightness and smoothness of skin
- Adjust the balance of small details with a simple tap
- Slim certain parts of the photo easily
- Natural-looking eye enlargement
- Erase blemishes and dark circles under eyes
LINE camera uses your network in order to automatically download content including cute and lovely stamps and frames that are absolutely free. Approximately 50MB of data will be downloaded upon initial installation.
Photos are uploaded only when you choose to share them to social networking services.
Camera360 Ultimate
Camera360 v6.0.3 Updated
#Return to original Magic Skin Effects.
# Fixed bug. Now photos exported from external SD card can now be saved successfully after editing.
#Return to original Magic Skin Effects.
# Fixed bug. Now photos exported from external SD card can now be saved successfully after editing.
First choice free ultimate CAMERA app for close to 400 million users worldwide!
Camera360 is the No.1 App in photography category in 75 countries, including US, Germany, Brazil, Spain, Russia, Korea, Singapore, Malaysia, India and China.
Simply the most powerful and completely free photo shooting and editing app in the world. Camera360 has 200+ EXCLUSIVE & FREE photo filters with multiple professional editing tools such as tilt-shift, overlay, textures etc.
# 10+ FREE CAMERA MODES (SELFIE CAMERA, Effect CAMERA, POSTER CAMERA, FUNNY CAMERA, TILT-SHIFT CAMERA, AUDIO CAMERA, VIDEO AND MORE)
[Feature Details]
1. New Homepage
Camera360 provides quick access to select features such as Effect Camera, Selfie Camera, Camera Store, New Effects, Cloud Album and more…
2. New Camera Store. ALL FREE!
10+ creative cameras in the "Camera Store" where you can add and manage your favorite camera modes. Different Camera modes including Effect Camera, Selfie Camera, Easy Camera, Scene Camera, Funny Camera, Tilt-shift Camera, Color-shift Camera, Audio Camera, Video Camera, all available for Free! Customize your own Camera360 now.
3. New Effect Store. ALL FREE
Camera360 has 200+ amazing exclusive filters are in the Effect Store where you can add and manage your own effects. Paint your own night sky with the new splendid "Starry Night" filters!
4. User Friendly Photo Album
Camera360 helps you classifying the photos by date for easy photo search and management. Photos in phone gallery can be browsed and edited in "Other Album".
5. Professional Photo Editing UI and UX
Crop, Rotate, Blur, Texture, Adjust and more professional grade editing features are available.
6. Custom Ratio
Resize photo with ratio (16:9/4:3/1:1) while shooting.
7. Faster and better Cloud Service
Secure and smart cloud album for photo storage, management, editing, sharing and more. Support auto synchronization under uploading settings of Camera360 Cloud. Photos can be browsed on multiple devices via cloud.camera360.com
8. Beautiful Design
With beautiful and simplistic design, the app brings you the most fluid photography experience on the go.
9. Photo Share
Photos can be shared easily via Facebook, Twitter, Flickr, Instagram, WeChat and more.
For suggestions please contact us at email@example.com or
Follow us on Instagram:
Like us on Facebook:
Follow us on Twitter:
Selfie Camera -Facial Beauty-
♥The best app for selfies♥
Use facial beauty and charm-enhancing filters to make your pics super cute☆ And super sweet★
Be the radiant girl as a grown up cutie or sweet princess, it's all up to youヽ(*´∀`*)ノ
Use facial beauty and charm-enhancing filters to make your pics super cute☆ And super sweet★
Be the radiant girl as a grown up cutie or sweet princess, it's all up to youヽ(*´∀`*)ノ
Cun (kjún) is the onomatopoeia that expresses the sound when you feel your heart throb and beat with excitement.
→→→ The sister app of DECOPIC and Petapic, which are downloaded over 29 million times worldwide ←←←
。.。:+* ゚ ゜゚ *+:。.。:+* ゚ ゜゚ *+:。.。.。:+* ゚ ゜゚ *+:。.。
♥Make your selfie superb in a snap
Use super-sweet features to make your selfie superb in a snap!
There are over 20 different super-sweet filters -- let's find your very own!
♥Bright, soft, and supple skin
Use the facial beauty enhancer to make your skin look soft and smooth.
Then use the skin whitening enhancer to give your skin a healthy, pink-ochre look!
Together, you'll be as sweet and soft as a newborn baby.
♥Brighten your charm with super cute filters
Much more than classics like sepia and retro effects!
Over 30 super cute filters will give you the look you want!
♥Adjust brightness and contrast freely
Lighten up dark pics by easily adjusting brightness and contrast and make them look nice!
♥Create pics like a pro with blur
Blur the background and make your pic look like a genuine fashion photo!
♥Share your selfie with friends
Send your pic directly over LINE、Facebook、Twitter、mixi、Instagram、Kakao Talk、WeChat、WhatsApp、Path、Dropbox!
Share your super sweet selfies with everyone using CunPic(*'ω'*)
。.。:+* ゚ ゜゚ *+:。.。:+* ゚ ゜゚ *+:。.。.。:+* ゚ ゜゚ *+:。.。
CunPic is a sister app of DECOPIC and Petapic, and is jam-packed with cute and lovely features!
Take your everyday nail pics and profile pics and make them a hundred times cuter with CunPic!
Give it a try... we know you'll love it d(ゝω・o)
Use this application after agreeing to the Yahoo! JAPAN Terms of Use (including the Software Guidelines).
■Yahoo! JAPANTerms of Use
■Privacy Policy
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BeautyPlus - Magical Camera
❤ Over 10 million users worldwide!
❤ Top photo editing app in Japan,Thailand,Taiwan App Store! **
❤ Top photo editing app in Japan,Thailand,Taiwan App Store! **
BeautyPlus is the ultimate self-portrait camera app that will automatically enhance your beauty in an instant! Take gorgeous photos of yourself anywhere you like!
❤ Auto beauty enhancement and auto face-lift in one fast tap! All you need to do is press the shutter and we'll do all the rest!
❤ Enhance beauty while retaining the natural look of your skin and hair, and improving the image quality.
❤ Tons of high quality beauty filters specially designed for portraits.
===== Intelligent Self-Portrait Camera=====
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- 5 levels of beauty enhancement adjustability to choose from in one fast tap.
- Multiple face recognition in real time. Have fun taking photos together with your friends!
- Switch to back camera to enjoy 22 times sharper photos and more beautiful results than the front camera!
- 3 second delay auto timer that allows you to get the perfect shot hands-free!
- Instantly share your beauty on Facebook, Twitter, etc.
===== Beautify – More powerful photo editing options
- Beauty Filters: 10 quality one – tap filters specially designed for portraits that will make you stunningly beautiful in an instant!
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- Remove blemishes:Tap to remove acne, blemishes or any other skin imperfections.
- Slimming:Face-lift or weight-lose with the touch of your fingers. Get the perfect body shape that you always wanted.
- Remove dark circles and bags under the eyes.
- Enhance eyes: Brighten and enlarge your eyes to look amazingly attractive!
It's the most magical photo editing experiences ever.
Try the magical camera now and impress your friends with your beautiful photos!
Note: The app may be incompatible with some Android devices, if the app does not run properly on your device, please contact us firstname.lastname@example.com, we will do our best to try to help you. Thanks.
Like us on Facebook to get more photo editing tips: http://www.facebook.com/beautypluscom
Follow us on Twitter @beautypluscom
For any feedbacks, contact us through: email@example.com
Camera 720
A comprehensive photo editor with many effects, stickers, whiten, blur, and other tools you need!
With Camera 720, you can turn your mobile device into a small studio for editing photos.
With Camera 720, you can turn your mobile device into a small studio for editing photos.
Best Features in Camera 720:
+ One-Tap Enhance can automatically transform boring photos into masterpieces.
+ Gorgeous photo with High Definition HD Effect and Frames
+ Fun stickers. Stickers can be rotated or resized to perfectly fit each photo.
+ Magic Tools contains: Auto-Levels, Sharpening, Area-Auto-Levels, Blurring and Red-Eyes correction.
+ Color balance
+ Crop, rotate, and straighten
+ Modify brightness, contrast, saturation, and sharpness with easy tools.
+ Sharpen and blur
+ Fully optimized for tablets as well.
+ Focus and blur function
+ A drawing tool, with abundant features including artistic brushes and layers to create mobile images that look like real paintings.
+ Awesome fonts and customizable text, with text color, size, shadow, alignment, and transparency all adjustable.
+ Edited photo sharing you can do through Email, Facebook, Twitter, Tumblr and more.
Photo management tools
* Use pictures from gallery or take instant pictures from camera.
* Edited pictures saved to gallery, so that you can edit and view again.
* Viewing is simple, using your finger to swipe and zoom images ( two finger zoom ).
Briefing Note:
Camera 720 uses the Aviary SDK, a powerful library of photo manipulation tools which makes editing your images quicker and easier. Some additional features called "extras" are available for download to make the app more useful and powerful. Extras may include frames, stickers and other extensions to use in the app.
Your 5-star ratings will encourage us to create and develop more free apps.
Retro Camera
The best Retro Camera app that helps you make amazing photos.
12 completely different filters based on the real ones!
Our application is a fully-functional emulator of the cameras below:
* Retro Camera
Take photos in retro style. Nice vignetting along with a processing will make you feel like you are using real Retro camera.
* Old Camera
What? Is it my android or a real camera? Low contrast and a lot of scratches will remind your granmother's photos.
* Underwater Camera
Have you every seen all these paper cameras in boxes that divers take? You will have a chance to test them!
* Square Photos
The most popular format is a 'square'. Take square photos.
* Tilt Shift
You can make the big objects look small with 'Tilt Shift' camera. For better effect please make sure that you take shots from the point which is high enough.
* Fish Eye
Don't try it with faces of your friends. EVER!
* 4 in One
Take 4 shots and the camera will mix them together in 1 photo.
* Supersampler
The camera is similar to the one above but the shape of each photo differs.
* Multiple Exposure
For every camera there are 12 effects.
* Cross process
* Push process
* Black & White
* Old Photo
* Vintage
* Sepia
* Rusty
* Postcard
* Paper
* Dreams
* Film
All cameras and effects are free.
Share your photo with Instagram, Facebook, Gmail, Evernote and others.
Alternative to instagram and hipstamatic iPhone applications.
Facebook: http://www.facebook.com/onemanwithcamera
Site: http://wisesharksoftware.com/
Photo Collages Camera
♥♥♥♥♥♥ Make your beautiful photo MORE BEAUTIFUL with Photo Collages ♥♥♥♥♥♥
♥♥♥♥♥♥ All templates are UNLOCKED!!! Create your BEAUTIFUL PHOTO NOW!!! ♥♥♥♥♥♥
User Reviews:
♥♥Brandi Pacheco on Apr 28, 2013 at 4:49 AM
BEST THING EVERRR NOW I CAN COLADGE DOLLY PARTON PHOTOS YEAH YAAH I did the app it looks great I I I reallly rreeccoommeenndd iitt
♥♥JASCORIA STERLING on May 1, 2013 at 3:41 PM
In love ♥♥♥♥ Love it!!! Amazing app
"Photo Collages Camera" is an photo editing app, by which you can create collages of your photos. "Photo Collages Camera" includes a collection of about 100 collage templates. Those are not just square & polygon templates, but there are also circle templates, heart templates.
With "Photo Collages Camera", you can combine multiple photos into collage template. The photo can be captured using native camera app, or using any camera app like Instagram, 360Camera,...
With each imported photo, you can scale, rotate it with you fingers. The app support multi-touch that you can use two fingers to scale and rotate.
"Photo Collages Camera" also support a lot of photo effects that can be applied to your photo, such as: black & white, sepia, emboss, negative, or grunge,...With those effects, you can create photos that are as beautiful as when you use Instagram.
Another feature of "Photo Collages Camera" is that you can share your created photos with friends via Facebook, Twitter, SMS, Mail,...
♣♣♣ Special: more beautiful collage templates will be added frequently ♣♣♣
View reviews at: http://www.androidb.com/2013/05/create-fabulous-photo-collages-from-your-android-device/
This app will add a few search access points on your device. If you do not want to use this new search page, you can either ignore it or delete it. If you do use it, we get a few cents and it will help us a lot to keep developing more apps. If you don't, you can delete it and no harm is done (our app remains the same, no need to uninstall it!). Thank you.
More from developer
Love Frames
Amazing photo frames.
Apply frames to photos in your album or take a new picture with camera. Send amazingly framed photos to your loved one! Share your photos with email, sms, Facebook etc.
Apply frames to photos in your album or take a new picture with camera. Send amazingly framed photos to your loved one! Share your photos with email, sms, Facebook etc.
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subset: commoncrawl


text:
More New and Used
from Private Sellers
Study Guide and Selected Solutions
by Lay, David11 STG SOL
Pearson College Div
Questions About This Book?
What version or edition is this?
This is the 11 STG SOL edition with a publication date of 2/7/2006.
What is included with this book?
- The Used copy of this book is not guaranteed to include any supplemental materials. Typically, only the book itself is included.
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Includes study tips, strategies for studying, warnings of common mistakes, assistance with calculator operations, hints for exercises and solutions to every third odd-numbered exercise.


text:
Born the second week of June at the Lansing, Michigan plant this 1961 Oldsmobile 98 is a rare example being of only 3,804 original... More
ORIGINAL EQUIPMENT: + 455 cid, 8 cylinder engine, 4 barrel carburetor + Automatic transmission + Front wheel drive + Power steering & brakes + Factory AM radio with 1... More
This 1968 Oldsmobile Cutlass Ram Rod is located in our Louisville KY showroom. What are those funny things under the bumper? Air scoops thats... More
With a 400 ci V8 engine and TH400 3-speed automatic transmission, this numbers-matching 2-door convertible is in good condition! It features gold vinyl bucket... More
For sale in our Detroit showroom is a sharp and mighty 1968 Oldsmobile Cutlass ram rod. This 2nd generation first model year Olds was... More
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Extremely rare '1950 Oldsmobile Rocket 88 "Tin Woodie" Wagon. Vehicle looks good and runs well and is a daily driver. The wagon needs to be... More
For sale in our St. Louis showroom is a 1972 Oldsmobile Cutlass. This beautiful Cutlass has custom touches that allow it to stand apart... More
The Cutlass was introduced in 1961 as the top trim level in Olds compact F-85 line, over the years the Cutlass name accumulated great... More
1969 Oldsmobile 442, 2 dr holiday coupe. Original 400 CID 325 HP Rocket V8, professionally rebuilt with matching numbers and documentation. Very good condition,... More
In 1966 Oldsmobile introduced its sporty but comfortable Toronado which was based on the same A-body platform as the Cadillac Eldorado and Buick Riviera.... More
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THIS IS THE REAL DEAL,, ONE OF 110 1971 442 W30 CONVERTIBLES... THIS IS A 2 OWNER CAR.. THE LAST OWNER PURCHASED THIS IN... More
1966 Oldsmobile Cutlass 442 Holiday Coupe Northwest Classic Auto Mall advertises this vehicle for the owner. If you are interested in this vehicle, or have any... More
1967 Oldsmobile Cutlass Supreme 442 Convertible is for sale in our Chicago Showroom. This crowd-pleasing 1967 Cutlass Supreme 442 is powered by a... More


text:
Corn Palace director: 'We're pleased with numbers'
Corn Palace attendance during the 2010 tourist season fell slightly compared to 2009.
According to Corn Palace Director Mark Schilling, 279,020 people passed through Corn Palace turnstiles from April through August this year, compared to 279,130 in 2009. That's 110 fewer people, a drop of 0.04 percent.
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Coach Pro is a professional coach WordPress theme from Press Coders designed for personal development coaches. The feature packed premium theme allows you to get a coaching website online quickly and easily. Features include 8 pre-made colour skins, email opt-in widget to collect leads, an inbuilt private members area, 6… [Read More]
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List Of Recipes Australian Cuisine
A selection of articles related to list of recipes australian cuisine.
Original articles from our library related to the List Of Recipes Australian Cuisine. See Table of Contents for further available material (downloadable resources) on List Of Recipes Australian Cuisine.
- Book Review: Recipes from a Vegetarian Goddess by Karri Ann Allrich
- Buy on Amazon Artist, Author and Goddess in her own right, Karri Ann Allrich, has opened up a whole new world in cookbooks. To not only tantalize the taste buds, but to awaken the spiritual in us all. She brings enjoyment back into cooking, by showing us the...
Paganism & Wicca >> Holidays
- Confessions of a TNT Reiki Master
- Last October I began to take Reiki classes. It came on the heels of an energy healing class I had taken that summer at the request of my friend Henry. At the time I had no intention on becoming a healer. Henry, my best friend and soul brother, lives along...
Body Mysteries >> Reiki
- Harding, Deborah
- Deborah Harding began gardening alongside her parents when she was just able to walk. She lives in Ohio with her husband and two daughters. She writes articles on herbal concerns for magazines and web-zines, and gives lectures and workshops on growing herbs...
Real Interviews >> Authors
- Hawke, Elen: British Author
- Elen Hawke is an author, artist and British witch from Oxford, England with many years experience both living and teaching the Craft. She is a Craft elder, a Wiccan initiate, and a professional astrologer and tarot reader, as well as being a working...
Real Interviews >> Authors
- Psychic Protection - Barriers
- Introduction: The countermeasures given in these short articles are extremely basic. They only contain the bare bones of what is necessary to use them. To understand the principles behind these countermeasures, please get a copy of 'Practical Psychic Self-Defe...
Psychic Abilities >> Psychic Protection
- Popular Oracles and Omens
- I think it would be correct to assume that man has always been anxious to lift a corner of the veil of the future. In this section I've included several popular oracles, omens and superstitions. Some of these might seem a bit ridiculous, but why not consider...
Psychic Abilities >> Divination
List Of Recipes Australian Cuisine is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, List Of Recipes Australian Cuisine books and related discussion.
Suggested Pdf Resources
- discover australian cuisine
- Australia's Cuisine. For over 40 000 years, Australia's cuisine was derived from ago, they brought food customs and recipes with them. Some dishes still 1 Why have the market gardens at La Perouse been heritage listed?
- www.oup.com.au
- Allergy Free Shopping List - SSWAHS
- NUT, EGG & MILK FREE FOODS. A shopping list developed specifically for people with nut, egg and milk allergies.
- www.sswahs.nsw.gov.au
- Foodie Heaven: Web Sites for Food Lovers
- Their recipe archive is searchable and is also organised into such categories as chicken, Greek, Italian, local Australian food hotspots. http://www.taste.
- library.bundaberg.qld.gov.au
- The Australian Guide to Healthy Eating - Background Information for
- advertising campaigns and food promotions. • the amount of money that can be spent on the food budget. • access to transport.
- www.health.gov.au
- Indigenous peoples' food systems for health: finding interventions
- Peoples' Food Systems and Nutrition of the International. Union of Nutritional Sciences. The list of authors.
- ddr.nal.usda.gov
Suggested Web Resources
- Australian Recipes - Food.com
- From traditional Damper Bread to meat pies, our library of Australian recipes offers Food.com: The most complete collection of free recipes on the Internet, .
- www.food.com
- Recipes : Search over 15000 free recipes | LifeStyle FOOD
- www.lifestylefood.com.au
- Australian Recipes and Cooking
- Aussie cooking has everything about cooking in Australia and Australian recipes. to discover a measurement conversion or the terminology we use for a food, i.e.
- www.aussiecooking.com.au
- List of Christmas dishes - Wikipedia, the free encyclopedia
- Australian decimal currency coins cannot be used as they are cupro-nickel not silver, which due Colombian Christmas dishes are mostly sweets and desserts.
- en.wikipedia.org
- Old Australian Food Recipes | Recipes, Cooking and Delicious
- www.oldaussierecipes.com
Great care has been taken to prepare the information on this page. Elements of the content come from factual and lexical knowledge databases, realmagick.com library and third-party sources. We appreciate your suggestions and comments on further improvements of the site.


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Italian 24kt Gold Over Sterling Openwork Ring With Swarovski Crystals. Size 5
Item#: 823471
This contemporary statement ring ignites a nest-like, openwork lattice with bezels of golden Swarovski crystals. Made in Italy. 24kt yellow gold over sterling silver ring.
Due to the incredible value on your Clearance selection, no additional discounts apply.
Product Details (for Size 5)
Width: | 7/8 inch |
Metal: | 24kt 24KT: Karat (abbreviated kt or K) is a unit that indicates the purity of gold in the metal. 24kt is the purest form of jewelry-quality gold. It is typically 95.83% gold. Gold Over Sterling STERLING SILVER: Also known as "Standard Silver," sterling silver is silver alloyed with other metals to increase the hardness and durability. Generally, sterling is 92.5% silver and 7.5% other metals. Some sterling silver jewelry is plated with 14kt-18kt gold and referred to as "vermeil," or "gold over sterling." Silver |
Finish: | Textured TEXTURED: A unique and varying finish with a tactile surface applied through various techniques, both by hand and with machinery. |
Stone 1: | Swarovski Crystal CRYSTAL: Though traditionally the term "crystal" was given to glass with a 24% lead content, today it is used in a more general sense to describe transparent and highly refractive glass formed with silica, oxide, or other additives. Crystal is used in serveware, barware, home accents, and jewelry. (Color: Golden, Quantity: 23, Shape & Cutting Style: Round, Size: 1-1.5 mm) |
All weights and measures are approximate.
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More On Legal & Compliance
from The Advisor's Professional Library- Whistleblowers A whistleblower is any individual providing the SEC with original information related to a possible violation of federal securities law. The Dodd-Frank Act established a whistleblower program that enables the SEC to reward individuals who voluntarily provide such information.
- Trading Practices and Errors When SEC-registered investment advisors conduct annual audits of firm policies and procedures, they should pay close attention to trading practices. Though usually not required to, state-registered advisors should look at their trading practices and revise policies that do not fully protect clients.
Evergreen Investment Management Co. agreed to a $25 million settlement with an institutional investor earlier this week, according to a Reuters report. The settlement concerned the Evergreen Ultra Short Opportunities Fund, which had exposure to mortgage-backed securities, the plaintiff maintained.
The now-defunct fund was operated by Evergreen Investment Management Co., the investment management business of Wachovia, currently part of Wells Fargo (WFC).
"This consolidated securities class action focuses on actions of individuals associated with a Wachovia business unit (Evergreen) during a time period that predates Wells Fargo's acquisition of Wachovia," Wells Fargo said in a statement that was shared with AdvisorOne on Friday.
"The Wells Fargo Funds Management Group has a long history of focusing on corporate governance and adhering to all compliance and regulatory requirements. The Fund Management Group's policies and procedures, and conservative approach to risk management, has led the firm to successfully avoid the regulatory challenges experienced by many firms in the mutual fund industry," the bank added.
The fund was reportedly liquidated by Evergreen in June 2008, when it was worth about $400 million. When investors sued, they said their loss was about 25%.
Lawyers for the plaintiffs estimated the recoverable damages at $97 million, according to Reuters. This figure does not include $33 million that was part of an earlier SEC settlement of 2009 totaling $40 million.
"We are particularly pleased to be able to recover on behalf of our institutional investor clients who ultimately were cheated of millions of dollars as a result of the blatant misrepresentations made by the defendants," said Stewart Cohen, a lawyer for the plaintiffs, said in a statement given to Reuters.


text:
(This story first ran at PressConnects.com) BALTIMORE — At 26 years old, UFC light-heavyweight champion Jon Jones admits it is difficult even for him to realize he could soon be considered the best fighter in the history of mixed martial arts. But it's a reality (…)
UFC middleweight Mark Munoz is fighting next Saturday against Roan Carneiro, which goes against his doctor's advice that he should move on from the sport. It's not been a good run for UFC middleweigh read news >>
Mark Munoz comes into Saturday's bout at UFC 184 riding a two-fight losing streak. But in order to be the man his fighters at the Reign Training Center think he is, he says, he can't quit. Not yet.Fi read news >>
Watch the FighthubTV training day video for UFC 184's Jake Ellenberger and Mark Munoz. read news >>
After another stretch of being out of the Octagon for nearly a year, Mark Munoz is savoring every moment of his return at UFC 184 on Saturday. read news >>
Roan Carneiro earned a ticket to get back in the UFC with three wins in one night at BattleGrounds MMA welterweight tournament in October, and his first bout inside the Octagon will be against No. 13 read news >>
Last we heard from Roan Carneiro, the Brazilian went through three opponents in one night to win October's BattleGrounds MMA tournament. On Saturday night, it was a much shorter evening in the office read news >>
Roan Carneiro stormed back into the Octagon at UFC 184 on Saturday night, putting Mark Munoz to sleep in the opening moments of their fight. read news >>
Roan Carneiro picked up his first UFC win in many moons by choking out Mark Munoz in their UFC 184 middleweight bout. Mark Munoz was advised to retire after a bad loss in his last fight. He ignored t read news >>
LOS ANGELES – Roan Carneiro made a major statement with his first fight in the UFC since being released by the promotion more than six years ago, choking Mark Munoz out cold with a rear-naked choke.F read news >>


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Survivor: Blood vs. Water
'Survivor: Blood vs. Water' announced as next 'Survivor' edition by CBS
By Reality TV World staff, 05/13/2013
CBS has announced this fall's 27th edition of
will be titled
: Blood vs. Water.
The network made the announcement during
Sunday night's live reunion show
: Caramoan -- Fans vs. Favorites
after viewers were shown a brief teaser video in which blood was dropping into water.
"My suitcases are packed, we leave tomorrow to begin filming our 27th season and rather than tell you where we're going, we decided to tease you with what we're doing. So this is a clue to what we're doing next season,"
Jeff Probst
explained before the clip was broadcast.
Reality TV World: Survivor: Blood vs. Water
More Survivor: Blood vs. Water News
"That was it, that's all you get!" he later added.
"But I can tell you this, we're very pumped about it. We think it's going to bring another little twist to an already great game and we will share it with you in September."
While no additional details were revealed, the
Blood vs. Water
title and hesitancy to reveal the season's filming location would seem to all but confirm Internet rumors the season will film on a northern island in the Philippines -- the same 7,107-island country where
last two editions were filmed back-to-back on a central Philippine island last summer -- and feature returning
castaways competing against family members and loved ones.
: Caramoan -- Fans vs. Favorites
winner and diehard
John Cochran
shared his thoughts about the possible format twist, which has already generated polarizing reactions from viewers online, in an exclusive interview with Reality TV World on Monday
"I think it has the potential to be either unbelievably dysfunctional and like a train wreck or to be something pretty incredible. And either one, I mean, a train wreck is pretty great too, so either way it could be great. I'm sure, assuming it is a family thing, you have to imagine they're just dying for the opportunity to vote off their loved one," he told Reality TV World.
"I mean, can you imagine? That's like television history stuff, like a father going to his daughter and telling her that they're going to vote her off. I'm salivating at the thought of it. On the returning player thing, am I completely bummed that they're bringing them back all the time? I don't know. Obviously I was a beneficiary of one of those over-use of returning players, so I'm not going to be one to bash it."
"But I do think that the family thing could be good. What's going to matter -- what's going to be big is whether they can cast family members that independently want to play the game. Like if I played the game with my 64-year-old mother, and I was voted off before she was, she would have no desire to continue playing. She'd want to quit immediately. They're going to have to make sure they're going to get a bunch of people that, even if their loved one is gone, they're going to want to keep playing."
Check back with Reality TV World later today for much more from our exclusive interview with Cochran!
(Photo credit CBS)
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'Survivor: Blood vs. Water' castaway Caleb Bankston dead at age 26 from train accident
Gervase Peterson discusses 'Survivor: Blood vs. Water' (Part 2)
Monica Culpepper talks about 'Survivor: Blood vs. Water' (Part 2)
Hayden Moss talks about 'Survivor: Blood vs. Water'
Laura Morett talks about 'Survivor: Blood vs. Water'
'The Bachelor' producer Mike Fleiss denies Kaitlyn Bristowe has been chosen as 'The Bachelorette' star
'The Bachelor's Kelsey Poe: Chris Soules and I parted ways mutually
Ryan Seacrest celebrates 40th birthday with reality TV stars like Kim and Khloe Kardashian
'The Bachelor' runner-up just "didn't feel it" with star Chris Soules, says show source
'Fashion Police' reportedly considering Khloe Kardashian or NeNe Leakes as Kelly Osbourne replacement
'The Amazing Race' eliminates C.J. Harris and longtime girlfriend Lebya Simpson
Exclusive: 'The Amazing Race' couple Jeff Magee and Lyda Grawn talk (Part 2)
'Keeping Up with the Kardashians' reportedly gets picked up for a few more years
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Brad Culpepper
Caleb Bankston
Candice Woodcock
Ciera Eastin
Colton Cumbie
Gervase Peterson
Hayden Moss
Jeff Probst
John Cody
Kat Edorsson
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Laura Morett
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Rachel Foulger
Rupert Boneham
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Jamie Dornan eats his own abs on 'The Graham Norton Show'
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Three women arrested for assault at 'Fifty Shades' screening
'SNL40' -- Chevy Chase's health questioned on red carpet
Cameron Diaz and Nicole Richie double date for Valentine's Day
'Beauty and the Beast' for fourth season by The CW
Sarah Palin, Alec Baldwin hit the red carpet for the 'SNL' 40th anniversary event
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text: The Seattle Sports Kayak Drift Anchor is built for Kayaks, the Kayak Sea Drogue Stows Flat for Easy Packing-and-Stowing on the Deck. With a unique Drawstring Opening on Both-Ends to Control Drag, this Anchor/Drogue keeps you from Drifting Off your Favorite Hole, Saving your Energy and enabling More-Controlled Casting. The Drogue also helps Control-Rudder Steering in Advancing-Seas. The Seattle Sports Kayak Drift Anchor is made from High Visibility Yellow Fabric with Durable Webbing Rigging. The Drift Anchor measures (L x W) 36" x 6" to 12" (91.4cm x 15.2cm to 30.5cm), weighs 11.2oz (317.5g), comes with an Instruction Manual and is covered by a 12 month limited warranty.


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About Michael J. Faris
Assistant Professor of English with research areas in digital literacy, privacy and social media, and queering rhetorics.
This blog serves as a place to think through things, record thoughts, share interesting stuff, and hold conversations. Welcome!
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UW Cash reserve story should be a non-story
If you read the news, you might have heard that the UW system had a whopping 648 million dollars in cash balance, and the legislature is up in arms because we are supposedly sitting on that cash — so they … Continue reading
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Storify: Facebook Wall Posts: Old Media and New
[View the story "Writing on Someone's Facebook Wall Is Real Life" on Storify]
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Responses to the JIL: A Roundup
The Modern Language Association's Job Information List (or JIL, as it's referred to) came out last week. On a personal note, it was interesting and fun to read through the ads this year — a kind of giddy excitement like … Continue reading
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Photographs of Gorgeous Eau Claire
I came across these gorgeous photos after searching for Eau Claire on reddit: (source) (source) (source)
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Storify of Wednesday Night at Penn State on Twitter
As (it seems) everyone knows, Coach Joe Paterno and President Graham Spanier were dismissed immediately from Penn State after the Board of Regents met on Wednesday night. After the Grand Jury report over the weekend charging former assistant coach Jerry … Continue reading
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Stainless steel burner with venturi tube or tubes
19.5 x 8
Broil-mate: S5510 S5818 S5820 W521 W551 W561 W592
Broilmaster: D3 P3 P4N S3 U3
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Baby Born | 6c | ||
14m. Start below the right-most side of the big roof at an orange streak. Climb up to a diagonal pod and exit right - hard. Continue up the wall above to a chain belay and lower-off. Baby Obsession Link, 7a - Baby Born to the top of Pure Ob. © ROCKFAX FA. Richard Davies 2001 Submit a new photo of this climb. | |||


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Halle Berry Bikini Pictures With Nahla in Malibu
Halle and Nahla Enjoy Another Bikini Beach Day in Malibu!
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Halle and Nahla Enjoy Another Bikini Beach Day in Malibu!
Halle Berry and Nahla explored, played, and soaked in the sun on the beach in Malibu yesterday. Three-year-old Nahla led the way and checked out the tide pools with a friend. Halle kept her bikini covered up this time after showing off her amazing figure during their outing the day before. Halle's boyfriend Olivier Martinez is also in town with the girls, and the couple were spotted out for a romantic lunch earlier in the week.
3 years
I dont think the child is as good looking as she should be considering who her parents are...she is a little plain
3 years
...I'm sure if she's got arthritis her money will take care of it and for the right price, being $27.50 and a pack of Camels, #5 would gladly massage her old @$$ feet
3 years
hhhhhhhhhhhhaaaaaaaaaaaaa does halle have arthritis, she walks like it and we seen her nasty body in monster ball. I through up after. The kid has bad legs too.
3 years
Although she is mostly covered, i like this beach outfit better than the previous one.
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- What is Shia LaBeouf doing with his look? — JustJared
- Kim Kardashian reveals another interesting outfit — Hollywood Tuna
- Here's how Britney Spears spent her night — Pink Is the New Blog
- Someone else shared a picture of Chelsea Handler's boobs — The Superficial
- Have you heard Kylie Minogue's new single? — popbytes
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Stories tagged: Berrien County Board of Commission
Latest stories tagged: Berrien County Board of Commission
Berrien County brings budget in line
ST. JOSEPH — Creativity coupled with cuts combine to bring Berrien County's budget in line. Read more
Animal control undertakes census
ST. JOSEPH — Berrien County Animal Control's door-to-door census started Monday and is expected to last all summer. Read more
Berrien County to begin publishing financial info in online 'dashboard'
ST. JOSEPH — Whether they needed to do it or not, Berrien County officials are glad they developed a county dashboard and citizens' guide to ... Read more
Berrien County Courts reduces budget to below 2010 level
ST. JOSEPH — With Berrien County facing an estimated $1.5 million shortfall for next year's budget, County Administrator Bill Wolf has asked all departments to ... Read more
Berrien County could face nearly $2 million shortfall in 2012
ST. JOSEPH — Berrien County could be facing a nearly $2 million budget shortfall in 2012, according to budget projections by County Administrator Bill Wolf. Read more
More Articles
- Students present county campus plans to board
- Michigan Works helped 935 laid-off workers last year
- Possible county-wide millage could help fund pothole fixes | 2 comments
- Berrien County Juvenile Center youth taught gardening skills
- Officials not concerned about population decline
- It's official: Benton Twp. to be home of county campus | 3 comments


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From | "Ashish Jain" <ashja...@gmail.com> |
Subject | What's new in AG2.0 |
Date | Mon, 09 Jul 2007 17:35:56 GMT |
Hi!! I am working on compilation of the new features in AG2.0.Can some one please help me to get information on the major architectural changes in AG2.0,the new features added into AG2.0. Some of the new features which I have looked on is the property substitution in AG2.0,the viewer portlet in AG,the enhanced Applications portlet in AG,annotations in Deployment Plans . But I lack my knowledge on the architectural changes in AG.Any link or any document in this regard can be really helpful. Thanks in advance for any help. Greetings Ashish | |
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What does RJTI stand for?
What does RJTI mean? This page is about the various possible meanings of the acronym, abbreviation, shorthand or slang term: RJTI.
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RJTI | Tokyo Heliport, Japan |
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"RJTI." Abbreviations.com. STANDS4 LLC, 2015. Web. 3 Mar. 2015. <http://www.abbreviations.com/RJTI>.


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- Description
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Select your motorcycle to guarantee fitment! Select A Motorcycle
Everyday Low Price: $169.99
Gold Club Price: What's This? $152.99
J&P Part: 751-954
This item qualifies for free ground shipping
This product was proudly made in the USA
Additional oversized shipping charges will be applied for expedited shipments within the contiguous U.S. Shipping charges outside the contiguous U.S. are calculated by weight and dimension during checkout.
Select your motorcycle to guarantee fitment! Select A Motorcycle
Touring Electra Glide Classic EFI FLHTCI : 1996–2006 |
Touring Electra Glide Classic FLHTC : 1996–2005, 2007–2013 |
Touring Electra Glide Police EFI FLHPEI : 2006 |
Touring Electra Glide Police EFI FLHTPI : 2005–2006 |
Touring Electra Glide Police FLHTP : 2012–2013 |
Touring Electra Glide Standard EFI FLHTI : 2003–2006 |
Touring Electra Glide Standard FLHT : 1996–2009 |
Touring Electra Glide Ultra Classic CVO Anniversary FLHTCUSE8 : 2013 |
Touring Electra Glide Ultra Classic CVO FLHTCUSE5 : 2010 |
Touring Electra Glide Ultra Classic CVO FLHTCUSE6 : 2011 |
Touring Electra Glide Ultra Classic CVO FLHTCUSE7 : 2012 |
Touring Electra Glide Ultra Classic CVO FLHTCUSE8 : 2013 |
Touring Electra Glide Ultra Classic EFI FLHTCUI : 1996–2006 |
Touring Electra Glide Ultra Classic FLHTCU : 1996–1998, 2005, 2007–2008, 2010–2013 |
Touring Road King Police CA EFI FLHPEI : 2005 |
Touring Street Glide CVO FLHXSE : 2010 |
Touring Street Glide CVO FLHXSE2 : 2011 |
Touring Street Glide CVO FLHXSE3 : 2012 |
Touring Street Glide EFI FLHXI : 2006 |
Touring Street Glide FLHX : 2006–2013 |
Touring Tour Glide Ultra Classic EFI FLTCUI : 1996 |
Touring Ultra Limited Anniversary FLHTK : 2013 |
Touring Ultra Limited FLHTK : 2010–2013 |
Trike Street Glide FLHXXX : 2010–2011 |
Trike Tri Glide Ultra Classic FLHTCUTG : 2009–2013 |
mcafee036 Posted:
Love it fits great
Jake61 Posted:
I have a black Electra with black flames...and this 3 1/2 windshield did the trick and give the whole bike an absolute butch look. I am 6.2 tall and still get a bit of turbulence around my helmet at high speeds so a friend of mine recommended open face helmet as it will break the turbulence compared with the full face I have now. Might be worth a try. Anyhow - the windshield is GREAT. I would buy the same thing again.
cashmoneyman83 Posted:
fit great and seems to be better than stock FLHX shield
Dragon369 Posted:
Definitely looks great but I still need one taller, gonna try the 6 1/2" inch one
marcer1400 Posted:
Great product It performed better then I expected. I purchased the 3 1/2 flare windshield to replace my stock 4 in. windshield on my 2012 Harley Davidson street glide, in hopes of eliminating the annoying buffeting effect of the "dirty" wind from the stock windshield. It really works. It is actually the same size as the stock windshield AND THE T-BAGS STILL FIT. I ordered the black version and could not be happier. J&P cycles are a great company with fantastic friendly and knowledgable customer service. Fast shipping and huge selection of parts. I read several reviews about klock Werks windshields on line but couldn't find any that said I could still use my t-bags storage pockets with the 3 1/2 shield. Trust me. YES you can.
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Results for "getting drunk and stomping all of your city"
This is a bottle of $100 limited edition Godzilla sake. It's sake that comes in a Godzilla shaped bottle. Will it give you the strength and power to destroy your city? I certainly hope so, I've never liked [imagine your city's name here]. The molding engineer who created th... / Continue →


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Bar Flaming Alcohol Stunt Goes Terribly Wrong I'm surprised the bar allowed this drunk idiot to do that. 1/20/2015 11:07:13 AM 9,901 12
Botched Burn Out This guy attempts a burnout with his motorcycle and slams into his car..lol 3/13/2008 12:00:00 AM 118,479 47
Burn Outs This guy thinks he can do a burn out in his ferrari but he ends up smashing... 7/9/2005 12:00:00 AM 275,464 496
Cake Burns Face This guy is pissed off after his girlfriend smashes a cake with lit candles... 12/12/2006 12:00:00 AM 232,073 346
Chemistry Experiment Goes Wrong For Teacher This is what makes chemistry fun! 11/13/2014 10:00:02 AM 10,562 26
Crazy Landlord Steals Medical Marijuana Plants and Burns Them This landlord steals his tenants medial marijuana plants and starts burning... 12/11/2014 11:47:55 AM 10,130 33
Dog Leads Cop To His Burning House Emergency crews are on the way but a cop is lost in the woods trying to... 7/1/2011 12:00:00 AM 32,042 109
Dude Blows Up His Nuts With Fireworks Next time turn the rocket around and face it the right way! 10/11/2012 12:00:00 AM 16,581 48
Ferguson Protesters Burn American Flag In Front Of Military The protesters are looking worse and worse with every new video that hits... 12/4/2014 12:03:47 PM 3,965 7
Fire Challenge Goes Very Very Wrong Evidently the new crazy sweeping the internet is to light yourself on fire... 7/30/2014 12:23:17 PM 19,300 26


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The Tracy Friends of the Library played host to a reception celebrating the efforts of Friends of the Library groups throughout San Joaquin County. Representatives from the various Friends group took that opportunity to meet and share information about what they are doing in their local communities.
The biggest wallop of the strongest storm since October 2008 is expected to slam the Northern San Joaquin Valley today just before noon.
Sometime Wednesday night the Northern San Joaquin Valley will be battered by a major storm that by the time it ends Friday may drop as much as 3 inches of rain and deliver wind gusts greater than 60 mph.
More than 8,000 people lined Yosemite Avenue Saturday to enjoy the Manteca Chamber of Commerce's Christmas gift to the community - the 42nd annual Twilight Holiday Parade.
James Glaser - the executive director of the San Joaquin Local Agency Formation Commission - is siding with PG&E against South San Joaquin Irrigation District's bid to reduce retail electric rates 15 percent across the board in Manteca, Ripon, and Escalon.
The return of rain and falling leaves can create local flooding problems in neighborhoods.
High Tea time at The Commons at Union Ranch in Manteca is always a special occasion. But it's even more so during the Christmas season when it's held with Winter Wonderland magic for backdrop.
Public libraries with treats such as coffee on the side aren't a modern creation.
The passing of Ripon's former mayor and police chief Red Nutt meant many things to many people who saw his life's accomplishments as a gift to the community.
The 41-year-old Manteca man who was struck by a truck on Yosemite Avenue at Airport Way Thursday evening received moderate injuries and was transported to San Joaquin County Hospital, according to Manteca Police Sgt. Rob Armosino.
There's a sleigh parked out in front of Ben Jetton's house.
Rick Buttram and his son Bradley did not mind waiting in line. Hundreds of people were ahead of them, and dozens more were behind them, each standing patiently along the side of Vasconcellos Avenue off Yosemite Avenue.
The story of Delicato Family Vineyards in Manteca is a familiar story to many.
The annual Hospice tree was lit for the 23rd time on Thursday evening with the memories of past family members fresh in the minds of a crowd of more than 100 onlookers outside Doctors Hospital.
Challenger Basketball or children with disabilities will make its debut next month.
There are a lot of problems facing San Joaquin County as a whole.
The drop in Manteca's crime rate is accelerating.


text: STATEMENT OF KENNETH DONOHUE, INSPECTOR GENERAL DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT BEFORE THE UNITED STATES HOUSE OF REPRESENTATIVES SUBCOMMITTEE ON HOUSING AND COMMUNITY OPPORTUNITY COMMITTEE ON FINANCIAL SERVICES OCTOBER 7, 2004 STATEMENT OF KENNETH DONOHUE, INSPECTOR GENERAL DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT BEFORE THE UNITED STATES HOUSE OF REPRESENTATIVES SUBCOMMITTEE ON HOUSING AND COMMUNITY OPPORTUNITY COMMITTEE ON FINANCIAL SERVICES OCTOBER 7, 2004 Chairman Ney, Ranking Member Waters and other members of the Subcommittee, it is my pleasure to testify before you today on the HUD Inspector General perspective on mortgage fraud and its impact on financial institutions. My perspective on mortgage fraud is based on our work with HUD"s Federal Housing Administration, commonly known as "FHA." As you know, there are three general types of mortgages: FHA insured, Veterans Administration guaranteed, and conventional. Of all homes purchased in the United States each year, 8% are financed with FHA mortgage insurance. Additionally, each year FHA accounts for 30% of all insured mortgages. FHA insured mortgages may be more prone to mortgage fraud because FHA insures mostly first-time homebuyers with limited credit histories and little money down. First-time homebuyers account for about 75% of FHA"s new endorsement business and about half of its customers fall at, or below, the medium income in the area. Most of these FHA borrowers cannot qualify for a conventional loan. HUD has a portfolio of nearly 5 million FHA insured mortgages with an unpaid principal balance of $418 billion as of the end of July 2004. For the first 10 months of fiscal year 2004, FHA endorsed about 875,000 mortgages. However, FHA activity has fallen off nearly 20% from the same period a year ago. A closer look at the makeup of the FHA portfolio would indicate that FHA"s insurance risk is increasing. A comparison of active insured FHA cases to FHA claims cases over the past two years shows an increasing claim 2 rate. The claim rate for fiscal year 2003 was 1.58%. This rate is up 74% from a .91% rate in fiscal year 2001. As you can see from our chart, our investigative workload is increasing with more than 450 open criminal single-family investigations and our arrests in the single-family mortgage area have increased by 800% in a four-year period. We believe there is a direct relationship between our increasing workload and FHA"s increasing claims rate. Additionally, more low down payment business is moving to the private sector. Whereby FHA was once the only low down payment mortgage available to borrowers, now the conventional marketplace has new mortgage products available to these borrowers. The borrowers beginning to use these new conventional products would normally be considered FHA"s better customers. Annual Financial Audit The annual audit of the Federal Housing Administration"s financial statement has found the FHA in basically sound fiscal condition. FHA continues to exceed its minimum capital ratio requirements as set by the Congress. This financial health has been brought about by a robust economy and mortgage premium income, which has far exceeded the cost of claims each year. Nevertheless, FHA"s claims rate continues to rise each year and with fewer FHA mortgage applicants there is less premium income to cover the claims. The default rate (mortgages more than 90 days delinquent) for the FHA insurance-in-force portfolio has nearly doubled in the last five years, from 3% to almost 6%. FHA"s loss mitigation tools help many of these defaulted loans from moving to foreclosure. Loss mitigation usage is up 16% from a year ago. Despite these loss mitigation tools, however, we continue to see a rise in claims. A future economic downturn and/or future interest rate increases would provide opportunities for those who would prey upon homeowners who cannot make their mortgage payments. Types of Mortgage Fraud in FHA Programs In the recent past, we have conducted hundreds of audits of mortgage companies offering FHA loans and investigated thousands of cases of mortgage fraud. We repeatedly have found unlawful and deceptive practices 3 and outright fraud in mortgage lending that often exploit first-time and uninformed FHA borrowers. Some of these practices include: Appraisers valuing properties for much more than they are worth. Loan officers falsifying income and credit documents. Lenders charging fees for services not provided or unnecessary. Realtors deceiving the potential homebuyer of the property condition. Borrowers duped into re-financing their mortgages over and over until the equity is completely stripped from the property. Using stolen or purchased social security numbers and/or credit histories. Of particular concern is the illegal profiteering on the purchase and quick resale of homes called "property flipping." The illegality arises because one or more parties to the transaction (seller, loan officer, appraiser) conspire to inflate the value of the home and then pocket the excessive profits at loan closing. What is the impact – who gets hurt? Once the borrower knows the true value of the property, they abandon the property. Neighborhoods deteriorate as the number of abandoned properties increase. Remaining homeowners are stuck making payments on inflated mortgages. Another concern is "equity skimming." A common form of equity skimming involves an investor who exploits a homeowner facing foreclosure and other financial stress. How is this done? Investor offers to resolve the financial problems if the homeowner gives up ownership or an ownership share in the property. Homeowner agrees to pay rent to the investor and the investor promises to make the mortgage payments. Investor pockets the rent and makes no mortgage payments. Lender forecloses on the homeowner (investor"s ownership interest not recorded). Investor uses bankruptcy laws to stay foreclosure. 4 Calculating Fraud? Mortgage frauds can go undetected and not all fraud results in losses to the government. This makes it difficult to quantify the exact amount, or even an estimated amount, of mortgage fraud. The following scenarios highlight the difficulties -- for example: 1) the appraiser that was pressured by the lender for a higher appraised value to match the sales price; 2) the homebuyer that submits false down payment gift letters; 3) the seller that works a side loan with the buyer in order to make the deal work; or 4) the loan processor that overlooks a known debt that is not on the credit report. These things happen everyday and all would be categorized as mortgage fraud, and these can go undetected unless the borrower defaults on the loan, or there is a pattern of defaults associated with a particular lender, realtor, or appraiser. Complicating every case of fraud is proving the perpetrator did it intentionally and showing a significant loss to the Government. If there are any significant miscalculations in the underwriting process, i.e., overstatement of income or understatement of debt, this would normally manifest itself in a payment delinquency on the mortgage. Every month, one out of every nine FHA mortgages is reported as delinquent. That means 600,000 FHA borrowers are a month behind in paying their mortgage. Some portions of these delinquencies may be due to mortgage fraud in new mortgages, where the underwriter intentionally misrepresented the borrower"s ability to pay the mortgage. We are continuously monitoring the status of defaulted loans in the FHA portfolio. These statistics are used by the OIG and the Department"s Quality Assurance Division to identify specific lenders for review with above average defaults. We also provide outreach to the mortgage industry, talking with real estate agents, brokers, appraisers, lenders and servicers. We routinely receive referrals from one of these parties that are aware of fraudulent activities. Some Examples of Specific Frauds Below are two examples of combined OIG and FBI investigations of property flipping frauds and the results of a recent audit of mortgage fraud. 5 Chicago, IL. The key players: an investor, an appraiser, and the settlement attorney. These three conspirators preyed on unwitting FHA borrowers in Chicago"s south and west sides, saddling the new homeowners with overvalued properties and unmanageable mortgage debt. The fraud scheme was a typical flip. The investor would contract to purchase a property, recruit homebuyers, and then partner with a crooked appraiser and attorney to complete the resale and closing at an inflated price. The closings, some 70-80 properties, were done on the same day. The settlement attorney would close the sale to the FHA borrower first, then use the proceeds to pay off the first (and legitimate) seller, backdate closing documents to give the appearance of propriety, and ensure that all parties to the scheme were paid out of the FHA insured loan. As you can see from the pictures on the easel, this example of one of the properties shows how significantly it declined in appearance and how it could potentially impact the surrounding neighborhood when one of these fraudulent transactions occurred. In the end, the investigation resulted in 20 people indicted on 16 different counts, including mail fraud, wire fraud and false statements to HUD. Eighteen individuals pleaded guilty. The attorney and the appraiser went to trial and were convicted on all counts. The attorney was sentenced to 7 years imprisonment and the appraiser received 40 months. HUD"s cost: $7 million in insurance losses. Stone Mountain, GA. The key players: an appraiser and the settlement attorney. Earlier this year, a 158-count indictment was handed down in the Northern District of Georgia. The charges: wire fraud, bank fraud, money laundering, conspiracy, identity theft, use of false social security numbers and making false statements to HUD, all related to a mortgage fraud scheme involving a $20 million portfolio. From mid-1999 through March 2004, it was alleged that the settlement attorney and co-conspirators perpetrated a property flipping scam. The attorney owned and operated a law firm, acted as agent for title insurance companies, and was the closing attorney for various lenders. 6 Again, the "flipping" fraud was familiar. The defendants purchased residential properties primarily in the Stone Mountain, GA vicinity and resold them at artificially inflated prices, using the proceeds of the resale to pay for the initial purchase. The defendants would use identity theft or recruit "straw sellers" to falsely claim current ownership of the properties. The properties, in turn, were sold to straw borrowers at amounts fraudulently inflated. Put simply: the deals and documents were faked. The conspirators signed ghost or fake names as loan officers and processors of the mortgage company. They falsely notarized and witnessed the names of straw buyers and sellers who neither attended closings nor signed the closing documents. And, they created shell companies to falsify straw borrower employment, to receive scheme proceeds, and to pay, and otherwise, reward bank employees for providing false and misleading Verifications of Deposit. HUD"s cost: $3 million in insurance losses. Phoenix, Arizona Audit In a recent audit of an FHA-approved lender, we found the lender was fabricating or altering borrower credit and employment documents to make the loans approvable. In this audit we found pervasive document falsifications in 48 of 65 (74%) FHA loans originated by a HUD approved correspondent lender in the greater Phoenix metropolitan area. What was instructive about this audit was that only one loan officer was primarily responsible for originating the falsely documented loans. What is also alarming is the potential damage that resulted. The insurance value of these 48 loans exceeded $5 million. The lender ignored its responsibilities to HUD by not having a quality control plan in place. Consequently, this loan officer continued to originate FHA loans using false documents over a three- year period. In our opinion, performing quality control is the first line of defense in assuring that only qualified borrowers get loan approval. Sadly, for some lenders, quality control only becomes a concern after the auditors have detected the problem. Conclusion When we identify fraudulent transactions, we take a look at the cause of the problem. If additional controls are warranted, we make recommendations to the Department. If the problems result from criminal activity among parties to the FHA transaction, we present these matters to the US Attorney"s office for prosecution. Problem lenders are brought 7 before HUD"s Mortgagee Review Board for sanctions. There are many actions we can take if the fraud is brought to our attention. However, the mortgage industry is huge with millions of dollars of FHA loans being endorsed each day. Statistics are pointing to increased levels of risk. In the Office of Inspector General, we are making every effort to use our limited audit and investigative resources as efficiently and effectively as possible in combating mortgage fraud. We continue to work with our partners in the FBI and Justice Department, as well as with state regulatory and law enforcement agencies, to decrease mortgage fraud. ********** Chairman Ney, I appreciate the Subcommittee"s concern over the increasing problem of mortgage fraud. The result of these types of financial crimes undermines the confidence in this nation"s housing industry and frustrates honest Americans" dreams for home ownership. In addition, the victims include the honest mortgage company employees that lose their jobs because they are victimized by the unsavory business practices of other staff, the homebuyers whose credit was destroyed when they had to default on a loan that they really could never afford in the first place, or the new FHA homebuyer that is paying a higher than necessary mortgage premium to cover growing losses to the insurance fund. Thank you for the opportunity to express our views on this critical issue. 8


text: Publications Search Results Users may wish to consult What's Included in the Bibliography. Results 1 - 1 Results per page: 25 50 100 Sort by: Pub Date (newest) Title Recent Additions Author Clear All Pub. Year Citation 2006 Rotkiewicz-Piorun, Anna M., Al Snih, Soham, Raji, Mukaila, Kuo, Yong-Fang, Markides, Kyriakos S. Cognitive decline in older Mexican Americans with diabetes. Journal of the National Medical Association. 98, (11), 1840-1847. Full Text Options: Worldcat Google Scholar Export Options: RIS EndNote XML [1]


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Francisco Jai
tajhakeemPhotographer Male Houston, Texas, US
My Website:
My MM URL: http://www.modelmayhem.com/tajhakeem
Mayhem # 3346070
About MeI am an aspiring photographer/digital media artist who is looking to work with any style of modeling, especially fashion, to build up my skills and become a well-rounded photographer and digital media producer. I prefer to do shoots outside do to more freedom of angle, but I also have small studio set up in my aprtment loctaed in Houston. I do not pay models of any sort, I only offer TFP shoots at this point. I am also seeking a couple of make up artists, hair stylists, and wardrobe stylists, and models who also compensate TFP shoots that are looking to start a team to create work and build up portfolios as one to increase their skills. So if you are interest in producing assignments with me and want more info, please feel free to contact me. My email is located on my instagram (@tap.studios).Friends |


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What does SFCD mean in Law & Legal?
This page is about the meanings of the acronym/abbreviation/shorthand SFCD in the Community field in general and in the Law & Legal terminology in particular.
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"SFCD." Abbreviations.com. STANDS4 LLC, 2015. Web. 3 Mar. 2015. <http://www.abbreviations.com/term/368008>.
SFCD also stands for:
- Science Fiction Club Deutschland
- Services for Family and Community Development
- Shop For Charity Day
- Storefront for Community Design
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