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FEDERAL HOME LOAN BANK OF CINCINNATI 2010 Affordable Housing Program Implementation Plan Background The Affordable Housing Program is governed by regulations of the Federal Housing Finance Agency (FHFA) at 12 CFR Part 1291, transferred to the FHFA from the Federal Housing Finance Board (FHFB) by enactment of the Housing and Economic Recovery Act of 2008. The most recent general amendments to the AHP regulations were adopted on September 13, 2006, and were effective on January 1, 2007. The FHFB adopted an Interim Final Rule on April 16, 2008, allowing AHP subsidy to be used for refinancing mortgages under certain limited conditions. The FHFA adopted an another Interim Final Rule, effective October 17, 2008, allowing AHP subsidy to be used in refinancing mortgages under certain other circumstances. This Interim Final Rule also relocated the AHP rule from part 951 of the FHFB regulations to part 1291 of the FHFA regulations, and renamed the new part to "Federal Home Loan Banks' Affordable Housing Program." The rule also renumbered references within the rule to reflect its new part number. The FHFA adopted another Interim Final Rule allowing AHP subsidy to be using in refinancing mortgages under broader circumstances and revising the provisions relating to scoring under the Second District Priority, effective August 4, 2009. This Implementation Plan is based on these most recent amendments. The AHP regulation requires each of the Federal Home Loan Banks to develop an Implementation Plan (Plan) governing administration of the Affordable Housing Program (AHP). This AHP Implementation Plan is based on the requirements of the most recent amendments. The Housing and Community Investment Department of the Bank will administer the AHP according to the Plan. The AHP regulation requires the Board to appoint an Advisory Council and specifies the composition, duties, and responsibilities of the Council. The Board has appointed a Council and has adopted written policies governing the Council. The AHP regulation requires that the Board of Directors adopt written policies on conflict of interest covering Bank directors and employees and Advisory Council Members. The Board of Directors has adopted such policies. Each Bank's Advisory Council is required to review the AHP Implementation Plan and make recommendations to the Board of Directors, and the Board is required to adopt a written Plan. The Plan addresses the following: I. Applicable median income standard or standards; II. Requirements for the competitive AHP; III. Requirements for the homeownership set-aside program Welcome Home (see Attachment H) and the Mortgage Refinancing Assistance Program (MRAP) (see Attachment I); IV. Monitoring requirements for the competitive and homeownership set-aside programs (see Attachment C); and Revised 031810 Page 1 of 11 pages V. Retention agreement requirements for projects and households under the competitive application program and under the homeownership set-aside Welcome Home (see Attachment G); VI. Time limits on use of AHP subsidies and procedures for verifying compliance upon disbursement; VII. Project feasibility guidelines (see Attachment F); VIII. Schedule for AHP funding periods; IX. District eligibility requirements; X. AHP scoring guidelines (see Attachment A); XI. Policies for transfer of projects (see Attachment B); XII. Policies for modification of projects (see Attachment D); XIII. Definitions (see Attachment E); and XIV. Arbitrage I. Applicable Median Income Standards A. The Bank will use the adjusted median incomes (AMI) published annually by the Department of Housing and Urban Development (HUD), as adjusted for household size, as the standard for rental and homeownership projects under the AHP competitive program. 1. Since the HUD AMIs are usually not released until the first AHP offering application has been opened to applicants, the Bank will use the 2009 HUD limits issued for Multifamily Tax Subsidy Projects (MTSP) for the first offering. Any references in this Plan to HUD AMIs are deemed to be references to MTSP limits, if appropriate. 2. For the second AHP offering, the Bank will use the 2010 HUD limits issued for Multifamily Tax Subsidy Projects (MTSP). Any references in this Plan to HUD AMIs are deemed to be references to MTSP limits, if appropriate. B. The Bank will use the Mortgage Revenue Bond (MRB) income limits for first-time homebuyer programs established by state housing finance agencies, as adjusted for household size by the appropriate state housing finance agency, for the homeownership set-aside programs Welcome Home and Mortgage Refinancing Assistance Program. Income limits for the homeownership set-aside programs will be 80 percent of the applicable MRB limit. II. Requirements for the Competitive AHP A. The Bank will accrue 10 percent of net earnings from the prior year to provide subsidy to approved AHP projects. 1. The Bank will set aside 35 percent of AHP funds accrued annually to fund its homeownership set-aside programs, Welcome Home and its mortgage refinancing Revised 031810 Page 2 of 11 pages program, Mortgage Refinancing Assistance Program (MRAP). Any funds not used in the Welcome Home program will be available for the MRAP. 2. All other funds accrued annually will be available to fund projects approved in the competitive AHP. 3. The Bank will borrow no funds from the following year's competitive AHP unless the Board determines that it is prudent to do so to fund additional projects with identical scores in the second competitive AHP offering. 4. All AHP funds recaptured or deobligated each year shall be made available to eligible applicants in the next competitive AHP offering. B. Uses of AHP subsidy. 1. AHP subsidy may only be requested and used for projects to provide rental and ownership housing. a. Ownership properties are those in which there is a fee simple interest in the property to be used as a primary residence. Owner-occupied units may include single-family detached units, condominiums, townhomes, duplexes, triplexes, or quadplexes. Ownership properties also include those in which there is a true ownership through a cooperative. An ownership cooperative is one in which cooperative members own a share in a corporation that owns or controls the building(s) and/or property in which they live. Each shareholder is entitled to occupy a specific unit and has a vote in the corporation. Every month, shareholders pay an amount that covers their proportionate share of the expense of operating the entire cooperative, which typically includes underlying mortgage payments, property taxes, management, maintenance, insurance, utilities, and contributions to reserve funds. Such cooperatives may be market-rate or limited equity cooperatives. b. Rental properties include any housing with units for rent or lease, including shelters, units for lease-purchase, or units owned in a cooperative not considered ownership cooperatives as described above. c. AHP funds may not be used in projects which require a Certificate of Need from the state agency regulating health care facilities or which require licensure as an Intermediate Care Facility (ICF) or as an ICF/MR facility. d. AHP funds may not be used in owner-occupied rehab projects in which average rehab costs are expected to be less than $5,000 per unit. 2. AHP funds can be used only for costs related to acquisition, rehabilitation, new construction, refinancing, or necessary soft costs related to the project. a. AHP subsidy may not be requested for and will not be awarded to projects that are complete at the time of AHP award; b. AHP subsidy may not be used to refinance existing debt or in projects involving refinancing of any existing debt, except through the MRAP; c. AHP subsidy may not be used to pay prepayment fees; Revised 031810 Page 3 of 11 pages d. Repaid AHP subsidy may not be reused in the same project; and e. AHP may not be used for capitalized reserves. 3. AHP projects must comply with any applicable federal and state laws and local ordinances on fair housing and accessibility, including, but not limited to, the Fair Housing Act, the Rehabilitation Act, the Americans with Disabilities Act, and the Architectural Barriers Act of 1969. 4. AHP projects must comply with applicable federal, state and local anti-predatory lending laws, regulations and orders designed to prevent or regulate abusive and deceptive lending practices and loan terms (collectively, "Anti-Predatory Lending Laws"). For example, Anti-Predatory Lending Laws may prohibit or limit certain practices and characteristics, including, but not limited to the following: a. Requiring the borrower to obtain prepaid, single-premium credit life, credit disability, credit unemployment, or other similar credit insurance; b. Requiring mandatory arbitration provisions with respect to dispute resolution in the loan document; or c. Charging prepayment penalties for the payoff of the loan beyond the early years of such loan. 5. Any project including a loan that does not comply with all applicable Anti- Predatory Lending Laws will be ineligible for AHP assistance. 6. Members, Sponsors, and owners are responsible for avoiding all unlawful practices and terms prohibited by applicable Anti-Predatory Lending Laws, regardless of whether they originate or purchase the loan in connection with an AHP project. 7. The Bank will not provide AHP assistance to any project in which a loan exceeds the annual percentage rate, or points and fees thresholds of the Home Ownership and Equity Protection Act of 1994 and its implementing regulations (Federal Reserve Board Regulation Z). 8. Taking into consideration the geographic location of the project, development conditions, and other non-financial household or project characteristics, a project's costs, as reflected in the project's development budget, must be determined by the Bank to be "reasonable," in accordance with the Bank's project cost guidelines (see Attachment F). 9. AHP subsidy may be requested only through the AHP on-line application, incorporated herein by reference: a. An application may be submitted only by a Member; b. An application must be submitted by the deadline stated in Part VIII; and c. Additional written documentation and certifications are also required and must be received by the Bank by the deadline stated in Part VIII. 10. Funding from another FHLBank. a. An award of AHP funds from any FHLBank requires that the project's anticipated sources and uses of funds match; that is, that the project's Revised 031810 Page 4 of 11 pages anticipated costs have been fully funded. If a project has received an award of AHP funds from the FHLBank of Cincinnati or from any other FHLBank, that should mean that there is no additional need for subsidy and that the project is not eligible for any additional AHP subsidy from the FHLBank of Cincinnati. If that is not the case, the Sponsor should contact the FHLBank of Cincinnati to determine whether the project is eligible for additional AHP subsidy. The Sponsor will need to explain why the project is not fully funded and why additional funds are being requested. b. If the Project has been submitted (or will be submitted) to another Federal Home Loan Bank for funds in their current AHP offering, the Sponsor will be required to identify to which other FHLBank the application has been submitted. The FHLBank of Cincinnati will not fund part of a project if another part of the funding for the project is to come from another FHLBank. The intent is that all AHP funding come from a single FHLBank. If the FHLBank of Cincinnati makes an AHP award for the project, the application to the other FHLBank must be withdrawn immediately. If the other FHLBank makes an AHP award for the project, the application to the FHLBank of Cincinnati must be withdrawn immediately. 11. AHP subsidy may be requested and received as direct subsidy (grant). a. Any funds requested or received as a direct grant must be made available in full to the project for the purposes intended. b. If the subsidy is requested as a grant and there is also permanent debt on the project, the Member must provide the permanent debt (as evidenced by a note and mortgage in the Member's name), except: 1) Ownership projects relying solely on USDA Rural Housing Services for permanent financing; 2) Projects relying solely on HUD for permanent financing for special project types, such as 202 or 811, or first mortgages provided with HOME or other government funds without any other permanent debt; 3) Ownership projects in which the Sponsor originates and closes first mortgage financing in the Sponsor's name; 4) In projects in which there are multiple sources of permanent financing, the Member is not required to provide all of the permanent financing; 5) In a project using permanent financing derived from a bond transaction, either taxable or tax-exempt, in which the Member commits to purchase at least 20 percent of the bonds, as evidenced by a bond purchase agreement or similar commitment; and 6) Other projects with similar characteristics or funding requirements or limitations, but only with the approval of the Bank prior to submission of the application. 12. The project must demonstrate a need for AHP subsidy. Revised 031810 Page 5 of 11 pages Sources and uses of funds, including the value of AHP subsidy requested for the project, must match at the time of applications submission and at the time of any disbursement. a) Sources of funds must include the value of donated property, donated professional labor (but not volunteer labor or sweat equity), and donated materials. b) A Sponsor providing a zero interest or other deeply discounted permanent first mortgage loan must include the net present value of the loan (based on an assumed market rate determined by the Bank) as a cash contribution from the Sponsor. 1) The application will calculate the net present value based on the information provided in the application and the amount will be shown as a cash contribution from the Sponsor in Attachment D of the AHP application. 2) The FLHBank will determine at least annually, and more frequently if warranted, the assumed market rate of the loan by adding a risk adjustment for lower income or lower credit quality borrowers generally served by AHP projects to an estimate of the current market rate for 30- year fixed rate mortgages. The assumed rate will be used in the AHP competitive applications and for determining the net present value of any discounted first mortgage loan in any disbursements for closings occurring on or after adoption of the rate. 13. Retention (see also Attachment G for specific retention requirements). a. All housing projects and units receiving AHP subsidy shall be subject to retention agreements providing that the Bank will be given notice of any sale, change of ownership, refinancing, or foreclosure within the "retention period" and that some or all of the AHP subsidy may be subject to repayment or recapture. 1) The "retention period" for an owner-occupied unit means: a) Five (5) years from closing; or b) In the case of rehabilitation of a unit currently occupied by the owner where there is no closing, five (5) years from the date that such rehabilitation is complete. c) The "retention period" for a rental project means fifteen (15) years from the date of project completion. 2) The retention language must be inserted into the Warranty Deed or recorded as a Restrictive Covenant to the Warranty Deed. If it is attached to the Warranty Deed as an addendum or attachment, the Warranty Deed must reference the addendum or attachment (see Attachment G). 14. All projects must demonstrate to the satisfaction of the Bank that development costs are "reasonable" (see Attachment F). Revised 031810 Page 6 of 11 pages 15. Rental projects must demonstrate to the satisfaction of the Bank that operating costs are "reasonable" (see Attachment F). 16. The Bank encourages projects which meet energy efficiency standards, especially new and substantial rehabilitation in residential buildings up to three stories designed to meet the standards for ENERGY STAR Qualified New Homes and complying with National Home Energy Rating System guidelines. New single- family homes, low-rise multifamily homes, manufactured homes, systems-built homes, and existing homes retrofitted for energy efficiency are eligible for such ENERGY STAR certification (see www.energystar.gov). In the alternative, the Bank also encourages projects which will be certified under the LEED for Homes program. The following project types are eligible for LEED for Homes certification: single-family attached or detached, low-rise and mid-rise multifamily, manufactured and modular housing, and gut rehab (see www.usgbc.org/leed/homes) III. Requirements for the Homeownership Set-aside Program (Welcome Home) (see Attachment H) and the Mortgage Refinancing Assistance Program (MRAP) (see Attachment I) IV. Monitoring (see Attachment C) V. Retention Agreement Requirements (see Attachment G) VI. Time Limits on Use of AHP Subsidies and Procedures for Verifying Compliance upon Disbursement A. The Bank will disburse AHP subsidies only to institutions that are Members of the FHLBank of Cincinnati at the time they request a draw down of subsidy. 1. AHP funds will be disbursed only after all agreements have been fully executed by the parties. 2. AHP funds will be disbursed only after all funding sources have been committed. B. If an institution with an approved application for AHP subsidy loses its membership in the FHLBank of Cincinnati: 1. The FHLBank of Cincinnati may disburse AHP subsidies to a Member of the FHLBank of Cincinnati to which the institution has transferred its obligations under the approved application; or 2. The FHLBank of Cincinnati may disburse AHP grant subsidies through another FHLBank to a Member of that FHLBank that has assumed the institution's obligations under the approved application. (See Attachment B for a detailed description of the AHP Member Transfer Policy.) C. Disbursements of homeownership set-aside (Welcome Home) funds (see also Attachment H): Revised 031810 Page 7 of 11 pages 1. If reserved Welcome Home funds are not requested by December 1, the Bank shall cancel the reservation and make the funds available for other AHP-eligible projects. The Bank may grant extensions for good cause. 2. Prior to disbursement of Welcome Home funds by the Bank to a Member, the Member must certify that: a) The funds were provided to a household meeting Welcome Home eligibility requirements; b) Funds were used only for eligible purposes; c) The Member for whom funds were reserved provided the first mortgage financing to the household; d) All fees, points, and rates of interest and any other charges by the Member did not exceed reasonable market rates for loans of similar maturity, terms, and risk; e) The first mortgage loan does not violate any Anti-Predatory Lending Laws; f) The first mortgage loan did not exceed the annual percentage rate, or points and fees thresholds of the Home Ownership and Equity Protection Act of 1994 and its implementing regulations (Federal Reserve Board Regulation Z). g) Funds received for homebuyer counseling costs were provided according to the requirements; and h) No funds were provided as "cash back" to the borrower at closing. 3. The FLHBank will establish a maximum rate of the first mortgage loan in the Welcome Home program by adding a risk adjustment for lower income or lower credit quality borrowers generally served by AHP projects to an estimate of the current market rate for 30-year fixed rate mortgages. 4. The calculated annual percentage rate (APR) shown on the Truth-in-Lending (TIL) statement may not exceed the stated mortgage rate by more than 0.75 percent. For loans insured or guaranteed by FHA, VA, RD or state housing finance agencies, which require an up-front payment of insurance or guaranty fees, the calculated APR shown on the Truth-in-Lending (TIL) statement may not exceed the stated mortgage rate by more than 1.10 percent. At management's discretion, these limitations may be adjusted for good cause, including changes in market conditions. D. Disbursements of competitive application funds. The Bank expects that subsidies approved under the Bank's competitive application program will be drawn down within four years from the date of award. If such subsidies are not drawn down and used by eligible projects/households within four years from the date of award, the Bank shall cancel its approval of the application and make the funds available for other AHP-eligible projects. 1) On a case by case basis, the Bank may grant extensions to the time limits. Revised 031810 Page 8 of 11 pages 2) Extensions to commitment expirations will be reported to the Bank's board of directors at its next scheduled meeting. 3) Prior to disbursement of funds by the Bank to a Member, the Bank shall verify that the project meets the competitive application program eligibility requirements and all obligations committed to in the approved application. 4) If the project is receiving a direct subsidy and there is also permanent debt on the project, it is assumed that the direct subsidy is being used to write down the principal amount of the permanent loan. In such cases, the Bank shall verify any increases or decreases in the amount of subsidy required to maintain a reasonably comparable debt service cost within the Bank's Debt Coverage Ratio Guidelines for the permanent loan. a) If, at the time of final disbursement, the subsidy required decreases due to a decrease in market interest rates, the Bank shall automatically reduce the subsidy amount accordingly. The amounts of any reduced subsidy shall be returned to the Bank's AHP fund. b) If, at the time of final disbursement, the subsidy amount required increases due to an increase in market interest rates, the Bank shall automatically increase the subsidy amount accordingly, but only if there is sufficient subsidy available from any currently uncommitted or repaid AHP subsidies. c) If, at the time of final disbursement, the subsidy amount required increases due to an increase in market interest rates, but there is not sufficient subsidy available from any currently uncommitted or repaid AHP subsidies, the increase in subsidy required may be included in the recommendations to the Board as part of the next AHP offering. The Board may fund the increase in subsidy required from the current year's AHP accrual available prior to funding any new projects. E. Disbursements of homeownership refinancing program (MRAP) funds (see also Attachment I): 1. If reserved MRAP are not requested by December 1, 2010, the Bank shall cancel the reservation and make the funds available for other AHP-eligible projects 2. Prior to disbursement of MRAP funds by the Bank to a Member, the Member must certify that: a) The funds were provided to a household meeting MRAP eligibility requirements and the requirements of any eligible refinancing program; b) Funds were used only for eligible purposes; c) The Member for whom funds were reserved provided the first mortgage refinancing to the household; d) All fees, points, and rates of interest and any other charges by the Member did not exceed reasonable market rates for loans of similar maturity, terms, and risk; e) The first mortgage loan did not violate any Anti-Predatory Lending Laws; Revised 031810 Page 9 of 11 pages f) The first mortgage loan did not exceed the annual percentage rate, or points and fees thresholds of the Home Ownership and Equity Protection Act of 1994 and its implementing regulations (Federal Reserve Board Regulation Z); and g) No funds were provided as "cash back" to the borrower at closing. VII. Project Feasibility Guidelines (see Attachment F) VIII. Schedule for Competitive AHP funding periods. The Bank shall accept applications from Members for AHP funding during two funding periods: A. First offering: 1. Applications must be submitted to the Bank by 5:00 p.m. (local time) on April 1, 2010. Applications may be submitted only electronically and the application closes automatically on the date and time noted. 2. Other required written documents and certifications must be received by the Bank by 5:00 p.m. (local time) on April 8, 2010. Documents must be submitted according to the "Instructions for Submitting Required Documents" provided in the application. 3. One-half of the amount of AHP subsidy accrued for the year, plus any amounts recaptured or deobligated and available to the competitive AHP before May 1 shall be available in the first offering. 4. Funding shall be approved by the Board of Directors at their regular meeting in June 2010 or at such other date as determined by the Board. B. Second offering: 1. Applications must be submitted to the Bank by 5:00 p.m. (local time) on September 1, 2010. Applications may be submitted only electronically and the application closes automatically at the time noted. 2. Other required written documents and certifications must be received by the Bank by 5:00 p.m. (local time) on September 8, 2010. 3. All remaining AHP subsidy accrued but not committed in the first offering, plus any additional amounts recaptured or deobligated and available to the competitive AHP before October 1 shall be available in the second offering. 4. Funding shall be approved by the board of directors at their regular meeting in November 2010 or at such other date as determined by the Board. C. Any additional amounts recaptured or deobligated and available to the competitive AHP on or after October 1 shall be available in the first offering of the next year. IX. District eligibility requirements. The Bank designates the following district eligibility requirements: Revised 031810 Page 10 of 11 pages A. Each Member is eligible to receive up to 30 percent of the AHP subsidy available in a single competitive offering, or 15 percent of the total AHP subsidy available in each year's competitive offerings. Any funding received in the homeownership set-asides, Welcome Home and Mortgage Refinancing Assistance Program, shall not count against these limits; B. The AHP subsidy requested for a project may not exceed $50,000 per AHP-eligible unit (but only $15,000 per unit for owner-occupied rehab and $15,000 per bed for shelter projects); and C. The AHP subsidy requested may not exceed $1,000,000 per project. X. AHP scoring and award of subsidy (see also Attachment A [Scoring Criteria] and Attachment F [Feasibility Guidelines]) A. In each AHP offering, AHP applications will be reviewed for eligibility according to this Plan, for feasibility according to the criteria in Attachment F, and scored according to the criteria in Attachment A. B. The Board will approve eligible and feasible applications in descending scoring order, starting with the highest-scoring application, until remaining AHP funds are insufficient to fund the next highest-scoring application. C. Of the remaining applications not approved for funding, the Board will designate the four next highest scoring applications as alternates. XI. Policies for Transfer of Projects (see Attachment B) XII. Policies for Modification of Projects (see Attachment D) XIII. Definitions (see Attachment E) XIV. Arbitrage It is the goal of the FHLBank to permit a reasonable temporary period between the time AHP funds are disbursed by the FHLBank and the time the funds are needed for approved AHP purposes. In an attempt to minimize the use of AHP funds by Members for arbitrage purposes the following guidelines will be followed: 1. Generally, Members must use AHP funds for approved AHP purposes within 60 calendar days of disbursement by the FHLBank; and 2. Members failing to utilize AHP funds within the time limits prescribed above must demonstrate to the satisfaction of the FHLBank that the approved project will receive the full benefit of the AHP funds, including any arbitrage earnings between disbursement by the FHLBank and final use by the Member, or permit recapture thereon, in accordance with the recapture provisions of §1291.8 of the AHP regulations. Revised 031810 Page 11 of 11 pages
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Winnipeg Free Press - PRINT EDITION
Welcoming the people back
BIRDS HILL PARK -- "Hello beautiful people. Welcome home."
That's how acclaimed local singer/songwriter and mainstage host Del Barber simply and beautifully welcomed revelers to the 40th annual Winnipeg Folk Festival.
Whether you've been coming to Birds Hill Park every second weekend in July for a few years or for four decades, you know it feels like coming home.
And what a show to come home to. The festival's Wednesday night opening concert, an addition made in 2009 to accommodate Britpop icon Elvis Costello, has played host to impressive, big-draw headliners in the intervening years, Tegan and Sara and Feist among them.
City and Colour, a.k.a. Canadian singer/songwriter Dallas Green, met that lofty bar with his mellow, if a bit sleepy, set of intimate, reflective ballads.
Armed with an acoustic guitar, the former Alexisonfire guitarist opened with Forgive Me off his 2008 sophomore album Bring Me Your Love before launching into the rollicking The Lonely Life off his latest, 2013's The Hurry and the Harm.
Green's dulcet voice rose above the slightly muddy mix -- a good thing, since his lyrics are worth hearing.
At press time, he was jamming out the slinky slowburner As Much As I Ever Could.
Red-hot North Carolina folk-rock outfit The Avett Brothers, easily among the lineup's most-anticipated act since wowing folkies back in 2010, delivered a raucous, crowd-pleasing set in the evening sunshine.
Although the band has been enjoying a higher profile thanks to its most recent pair of releases -- 2009's breakout album I and Love and You and last year's Grammy-nominated The Carpenter -- Scott and Seth Avett and Bob Crawford, along with touring members Joe Kwon and Mike Marsh, drew from all over the Avetts' estimable catalogue.
The bouncy, Britpop-inflected Will You Return, from 2007's Emotionalism, and I and Love and You's breakneck bluegrass jam Laundry Room were highlights.
Although it could have been held back for a closer, the crowd was rewarded with the pure pop bliss of Live and Die, The Carpenter's biggest earworm, early in the set.
The band also shone in its quieter moments. A stripped-down and soulful rendition of traditional gospel hymn Just a Closer Walk with Thee -- which saw the three core members gather around one microphone -- was a stunning showpiece for the band's honeyed three-part harmonies. And those Southern boys sure know how to tug on the heartstrings; it was hard not to get a little choked up during I and Love and You's hopelessly romantic title track.
Revered local bluegrass/roots quartet Oh My Darling kicked things off with an appropriately twang-filled set of high-energy toe-tappers. Banjoist Allison de Groot, fiddler Rosalyn Dennett, guitarist Vanessa Kuzina and bassist Marie-Josee Dandeneau are easily among the upper echelon of Winnipeg players, as they effortlessly reminded us Wednesday night.
It's always rewarding to see 'Peg boys and girls do good. Kuzina started her folk festival career as a Young Performer -- now she's playing the mainstage.
Her heart-on-sleeve performance of Won't Need My Shoes (On Heaven's Floor), a song written for her grandmother on the morning she passed away, was among the night's most touching moments.
Colin Meloy of Portland indie rock outfit The Decemberists headlines Thursday night's mainstage.
Patrick Watson, Danny Michel, Lindi Ortega and Nathan Rogers also perform.
Republished from the Winnipeg Free Press print edition July 11, 2013 A8
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- Parole officials impressed with progress made by Winnipeg killer
- Saskatchewan teen killed in crash in Manitoba
- Family shattered by loss of four young sons
- Pilot Mound teen dies after skiing accident
- Two in hospital after car crashes into restaurant
- Forgiving the unthinkable
- Selinger wins on second ballot at NDP leadership convention
- Property tax increase capped, but frontage levies, garbage fees to increase
- Before meeting with mayor, Chipman wants written response
- Judge doesn't buy tale of biker's bounty
- Boy who gave up Jets stick gets surprise gift
- Protected witness wonders if big payday was worth hassle
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Ratings based on 1,462 Verified Reviews
They paid and stayed. We double-checked.
4.6 Room cleanliness
4.4 Service & staff
4.4 Room comfort
4.4 Hotel condition
They paid and stayed.
We double-checked.
We double-checked.
by A verified travelerfrom Houston
Comfy bed but...Posted Mar 25, 2015
Pros: Fairly easy to get around, i.e., walking distance to a lot of attractions, cable car outside door, very quick taxi service.
Cons: Re-do and expand bathrooms or at least include more storage. Insulate windows for street noise from cable car line.
Location: Cable car line right outside door. Walking distance to Chinatown & Union Square.
Very comfortable bed but bathroom very small for 2 adults (about 5' x 5'). There was very little shelving or space for toiletries and personal grooming items. Rather noisy on the cable car line -- could use insulated windows.
by A verified traveler
Mark HopkinsPosted Mar 21, 2015
Over priced small room looking at air conditioner horrible view
for Everyoneby A verified travelerfrom Colfax, CA
Beautiful Architecture and views!!Posted Mar 15, 2015
Found a great price on Expedia!! Beautiful hotel at the top of nob hill. Great view from our room on the 7th floor and spectacular views from the Top of the Mark Bar. Great live band Friday night, delicious drinks, fair prices and great service!!
for Everyoneby A verified travelerfrom Washington DC
Great hotel on Nob HillPosted Mar 1, 2015
Pros: Food, location, drinks, views, just about everthing.
Cons: I realize Top of the Mark can be crowded, but they could be friendlier to frequent guests.
I'm about to give the highest recommendation there is, I'm about to rebook another trip there!
for Everyoneby A verified travelerfrom Sierra Madre
Comfy BedsPosted Feb 24, 2015
Pros: The beds and the staff and the views
Cons: They should have a regular breakfast instead of just a buffet.
Location: It is away from everything and is very quite. Which was nice for us.
Most comfortable beds. The staff was excellent. Even sent me a free bottle of champagne for my birthday. Wonderful stay. Top of the Mark is wonderful
for Everyoneby A verified travelerfrom Casper, WY
Posted Feb 24, 2015
Great experience, will come back again! Everyone was wonderful!
for Everyoneby A verified travelerfrom Texas
Nice Hotel with Excellent ServicePosted Feb 11, 2015
Pros: Everything from the appearance to the staff to the amazing views from our hotel and at the Top of the Mark
Cons: Maybe a little bit more space in restroom but it was really easy to manage for two people
Location: Location was awesome and there are numerous things to do within walking distance
We stayed for my wife's birthday and they went above and beyond to make it unforgettable! The staff was amazing and very helpful. Will be staying there from now one when we come to visit
for Everyoneby A verified travelerfrom B
Grand hotel but bell staff not so attentivePosted Feb 8, 2015
Grand hotel and I would definitely stay again. Great location
for Everyoneby A verified travelerfrom Arizona
Great location, nice historic hotel.Posted Feb 3, 2015
Pros: location, historic feel
Cons: vent in bathroom would be nice.
Location: great views of city, walked to chinatown (5 min), financial district (5 min), wharf (about 30 min), and ferry bldg (15 min). cable car right out door.
Hotel is very nice, well maintained , and in an excellent location. Our room faced a messy rooftop under construction, but I suppose that can't always be prevented. The beds were comfortable with good quality linens (very important to me!). The Top of the Mark bar on the top floor of the hotel was a fun place to visit, with great live music. The hotel staff were courteous and helpful, but seemed to be in training and made quite a few errors (which were corrected promptly) in our checkin, checkout, bill paying etc.
by A verified traveler
Muy caro para lo que es.Posted Jan 28, 2015
Pros: La cama
Cons: Las ventanas no cierran bien La tarifa
El Hotel ya está muy viejo, sin duda es un hotel de lujo pero no vale la pena pagar la tarifa que cobran. Lo que se obtiene bien podría obtenerse en cualquier otro hotel del centro y por tarifas más accesibles.


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Telugu actor Allari Naresh, who is currently basking in the success of his latest blockbuster "Sudigadu", will begin work on his next Telugu romantic-comedy titled "Kevvu Keka", starting Nov 1.
"The first schedule of the film will be held from Nov 1-15, while the second schedule will be from Dec 5-20 in Hyderabad. The film will also be shot in Bangkok between Jan 15 and Feb 12," a source told IANS.
"Kevvu Keka", directed by Devi Prasad, also features Kannada actress Sharmila Mandre in the lead.
Producer Boppana Chandrasekhar said: "This will be the most humorous film in Naresh's career to date."
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Amanda Talar
My views on the humorous, fascinating and semi-trivial things in life
Posts filtered on Category
Why now, Weiner? (and why *those* pics?)
I'm no longer surprised when a politician or other prominent man gets caught tweeting or texting pictures of his anatomy to 20-something women. I actually think I may expect it, now. What I'm most disappointed in, though, is the way the pictures are taken. I don't know what guys find so interesting/fun/sexy about taking a picture of just […] [Read More]
My favorite things
Let's pretend this is like the Oprah show (RIP) — and I'm about to give my whole audience (you) a bunch of my favorite things. Isn't that exciting? Favorite thi-iiiiings! Someday, you really need to hear my Oprah impression. Frederic Fekkai Shea Butter Shampoo. Totally moisturizing, adds the safari looklots of shine and you don't […] [Read More]
Cleaning out my head
Every now and then, I'll clean out my closet — donating clothes I know I'll never wear again. Or — clothes I've never worn and am not sure why I bought them in the first place (see picture to the right for an example). After the purge — I feel renewed, and like I've just […] [Read More]
Tell me about your movie
I'm getting over a stomach bug. I'll spare you the details (you're welcome) but it was just awful. You would think that since I was feeling under the weather, I had a lot of time to think and thus — write a ton of blog posts. But, my thoughts consisted mostly of, "This sucks…when will it […] [Read More]
When I read this article, the first thing that came to mind was — so he has the cojones to try to sue her for inspiring her success…but he doesn't have the jewels to put his name out there? Lame. Apparently, singer/songwriter Adele — whose success is growing by leaps and bounds — has an […] [Read More]
I confess
Even though I thought the world ended today at 6 p.m., and said as much on Facebook, this post is still relevant. While I don't personally believe in this end of the world stuff — or that it should be taken seriously (especially since it's been falsely predicted many times before) — those "Repent! Cry […] [Read More]
I mean…really?! I really think I'm onto something with my birds of a feather theory, because Mildred Baena looks a little like a female version of Arnold Schwarzenegger. With a little Cat Lady mixed in. I know, I know. It's not nice to pick on someone's mistress by aiming solely at their looks. I mean, I'm sure there were other reasons […] [Read More]
Why men hate The Notebook
I fell upon this article and laughed out loud while nodding my head. I have my own reasons why men hate The Notebook (Lisa, did you watch it?!) but these reasons were pretty close. Funny enough, the article was written by a woman, who also gives away major plot spoilers, (so, be warned now to […] [Read More]
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Leave the Plastic™ Stainless Steel Water Bottle
Roll over image to zoom in
Sure, you need to keep hydrated. But have you considered bottled water's impact not only on your pocketbook but on the environment? Not only is filtered tap water from your municipal water supply more eco-conscious, the quality standards are more tightly regulated than with bottled waters. And who wants all those plastic bottles cluttering up landfills for the next thousand years anyway? All the more reason you should Leave the Plastic Take the Bottle™.
Made with #304 stainless steel, the material of choice in the food industry. Reusable steel water bottles provide a friendly environmental alternative to plastics that clog up landfills, in addition to not leaching odors or BPA chemicals into the water that they hold. Easy to clean, durable, and chemically inert, this water bottle is built to last.
- Durable stainless steel construction
- Designed exclusively for us
- Water-tight plastic lid with finger loop and carabiner
- Environmentally friendly
- Holds 24 oz.
- 11" H x 2.5" dia. (27.9 x 5.72 cm)
- Imported
As with all items intended for contact with food or beverages, please wash with hot soapy water prior to use.
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September 21, 2014 - I tend to just leave my water bottle in the car and continue to use the next days which can be very dangerous if the bottle is plastic. This is perfect for people who want to stop using plastic bottles. It does not have a plastic mouth part so you just have to drink from the metal mouth but I prefered that. (so probably not the best option while running or bike riding) The design is very pretty and it does receive positive attention. Also good for teens to use in school. it's small enough to fit in backpack and metal so it does keep the water relatively cool for longer periods. The large opening allows the bottle to be refilled from water fountains with ease.
August 19, 2014 - I love this. I dropped it once though at work and it put a tiny dent in the bottom edge. I thought it would be a little more durable. Still love it!
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October 3, 2013 - My water tastes good. And I love that I can reuse the bottle.
September 23, 2013 - Happy with the bottle! I have the smaller versions, too, and have been happy with their quality as well. Plus the purchases support the good work of the sites, so that's a bonus. =) Keep up the good work!
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The alternative Hip-Rock trio, N*E*R*D, is back with the lead single off their upcoming spring album, Seeing Sounds.. The interestingly spelled Everyone Nose begins with member Chad Hugo asking for the attention of "all the girls standing in the line for the bathroom." If you've ever ventured to a night club that serves alcoholic drinks and plays music, you know that line is damn long. After some chopped and screwed versions Chad's vocals come to an end, enter the classic Neptune sound of a bango-saxophone-drum-tambourine mixture. Outside of a few sneezing sound-effects, Everyone Nose is an out of body club-ready song that only N*E*R*D could pull off.
Written by DJ Z on 01/22/08
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Super Smash Bros. Brawl: Prima Official Game Guide (Paperback)
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Recent Posts in pictures
March 7, 2015
photos by James Richards IV
It was a cold day at the end of February but that didn't stop music fans from bundling up and coming out in force for the Empty Bottle's MUSIC FROZEN DANCING. We've got a load of pictures from the chilly, Goose Island sponsored event that featured sets by locals NE-Hi and Oozing Wound, as well as Protomartyr and Perfect Pussy.. Find yourself in them, below...
Continue reading "Protomartyr, Perfect Pussy, Oozing Wound & NE-Hi played OUTSIDE Empty Bottle (pics)"
February 18, 2015
photos by James Richards IV
Tucker's voice leaped to the top of its range, as if she were being shoved off a cliff every time she started a verse. Brownstein sometimes sang alongside but more often in opposition. Her guitar provided a running commentary of its own, seldom settling for stock chords or harmonious counterpoint, but always in the mood for an argument. Weiss did not sit meekly and watch her two bandmates joust. She jostled and prodded, and yet for all the thunder in her rolls and fills, there was also swing and subtlety. She colored the songs instead of merely steam-rolling them. Her taut responses suggested another voice in "Light Rail Coyote," brought shades of cool to "Get Up" and patiently stacked kindling on "Good Things" until it caught fire. [Greg Kot for Chicago Tribune]Sleater-Kinney are fully back in action with an excellent new album making their current tour much more than just nostalgia. The tour began in their home state earlier this month, and hit Chicago for a show at Riviera Theatre last night (2/17). The review quoted above is from that show. Did you go? How was it?
More pictures (including opener Lizzo) and the setlist below...
Continue reading "Sleater-Kinney played The Riv w/ Lizzo (pics & setlist)"
February 10, 2015
photos by James Richards IV
Taking the stage amidst rolling clouds of fog, Manson and his band of cohorts - including the renowned film composer, Tyler Bates, Manson veteran Twiggy Ramirez, and former Dillinger Escape Plan/current Stolen Babies drummer Gil Sharone - ripped right into The Pale Emperor's lead single, "Deep Six." The show would chug along at full steam from this point on, unleashing a relentless torrent of Manson classics including "Rock Is Dead," "Disposable Teens," and his legendary cover of "Sweet Dreams (Are Made Of This." Fans were just as excited, though, to hear new fan favorites from The Pale Emperor like the shitkicking stomp of "Killing Strangers" and the funked out blues dirge, "Third Day of a Seven Day Binge" - but he saved the best for last with the death knell of Pale Emperor material, "Mephistopheles of Los Angeles." [UR Chicago]Marilyn Manson released a comeback (?) album earlier last month. His subsequent tour with Hide had him stop by the Riv on Thursday. Pictures and the setlist from that show are here. More below..
Continue reading "Marilyn Manson & Hide played the Riv (pics, setlist)"
February 9, 2015
photos by James Richards IV
Billy Idol's ongoing tour hit Chicago over the weekend for a show at The Riv on Saturday (2/7). We recently caught the tour in NYC, where Billy and his ace band loaded the set with classics like "Cradle of Love", "Dancing With Myself", "Flesh for Fantasy", "Eyes Without a Face", "Rebel Yell" and "White Wedding," all of which we got here in Chicago too. Opening was newer band Broncho, who owe a bit to the power pop of the same late '70s/early '80s era that Billy Idol was in his prime. Pictures of both artists are in this post and continue, with Billy's setlist, below...
Continue reading "Billy Idol & Broncho played the Riv (pics, setlist)"
February 7, 2015
photos by James Richards IV
Cold War Kids at the Riv
Cold War Kids and their tourmate Elliot Moss tagged Chicago for a show at the Riviera Theatre last weekend (on Saturday, 1/31) as part of their winter North American tour. A set of pictures from the show and CWK' complete setlist are in this post. More below...
Continue reading "Cold War Kids & Elliot Moss played the Riv (pics, setlist)"
February 6, 2015
words and photos by Zack Baker
Michigan "emo revival" veterans Empire! Empire! (I Was A Lonely Estate) recently reissued their 2009 debut, What It Takes To Move Forward, and are on tour playing the album in full to celebrate. (A pesky car lodged into their home can't stop the Latinens.) They've got indie-emo hybrid upstarts Warren Franklin & The Founding Fathers on the road with them, and made a stop at Reggie's last Friday (1/30).
I showed up right as Warren was finishing up his set, walking offstage to applause and a few stray cheers of "#ThatHat," an inside joke I wasn't clued in on. The crowd seemed amped on the set, and I cursed Chicago traffic for making me miss it.
Keith from Empire! took the stage not long after that, thanking the crowd for coming out and harassing the just-offstage Warren for his goofy bright-green headwear. After assuring the crowd that they didn't need an explanation of what the album meant to him, Keith went on to provide one anyway. He gave an extremely brief history of the album and the birth of his label Count Your Lucky Stars, and then the band launched into the record's opening track, "How To Make Love Stay."
Empire! Empire! were locked in. Friday's show was the best performance I've seen of theirs; the bumps present in other shows were totally absent. The only noticeable hiccups were during the marathon "It Happened Because You Left" which Keith said they had never played before this tour and when the band accidentally skipped over "Everything Is Connected and Everything Matters (A Temporary Solution To A Permanent Problem)," newly rearranged with a trumpet replacing the original banjo.
The crowd didn't seem to mind the missteps, shouting along with every song. What It Takes To Move Forward isn't exactly an album to rage to, but kids were bouncing up and down all the same. Keith joked with the crowd, convinced the room to cheer on Warren's evidently awful Mario impression and generally made Reggie's feel more like a living room full of friends than a cluster of random strangers.
Deep cut "Water" made for the perfect encore, complete with an appearance from Warren to lend Keith his cap (which Keith mentioned was "way more comfortable than it looked") and to assist on backup vocals. The room emptied out quickly as Empire left the stage, many fans heading to the merch table to pick up the tour-exclusive copies of What It Takes To Move Forward.
Warren Franklin has an upcoming split with Kind Of Like Spitting, and that LP is now available to stream in its entirety over at Consequence of Sound.
Check out more pictures from Empire! Empire!'s set below...
Continue reading "Empire! Empire! played Reggie's (pics & review)"
words and photos by Zack Baker
Alex G
Alex G brought his pop-minded jams to a sold-out crowd at Beat Kitchen on Saturday (1/31) alongside the killer lineup of recently Run For Cover-signed noise-punks Teen Suicide, New York shred machines LVL UP and local songwriter Spencer Radcliffe.
Even after three changes to the show's kick-off time, Spencer and his newly-formed full band setup ended up going on 30 minutes before the show's advertised 6 PM start time. Any fans hoping to catch the endearingly oddball songwriter were sorely out of luck if they weren't bustling through the doors as they opened. I missed his set, and unfortunately LVL UP's too, but those who did see it seemed to be buzzing about it throughout the night.
Luckily I did make it in time for Teen Suicide. Flippant attitude from their online presence in full force, vocalist/guitarist Sam Ray and guitarist John Toohey were quick to pop out of the high-octane songs right into banter about parents' flights getting sent back because of the snow, the virtues of weed (Sam hollered "Give it up for weed!" intermittently throughout the set) and disparaging remarks to their new boss, Run For Cover head honcho Jeff Cassaza who flew into town for the show.
Teen Suicide had drummer Dexter Loos on loan from Alex G, and were in full-on rockstar mode for their set. Between the constant spins across the stage, monitor mounting and back-to-back shredding it was kind of difficult to remember that their songs are kind of, well, overwhelmingly depressing. The band played songs spanning their discography and also busted out a few new songs including one called "God" and one called "Alex," both of which were a little more mellow than the band's usual fare.
Alex G's set was slightly more tame, but no less entertaining. Alex had apparently discovered and become fascinated with a band who's name I didn't catch but whose catch phrase was evidently, "KABLAM! THEY NUKED MY NIPPLES OFF!" The singer would go into fits between songs, exclaiming it and immediately spiraling into a fit of laughter before launching into his next track.
Where the crowd was content to bob their heads for Teen Suicide, they went absolutely nuts for Alex's jams and antics. The room was a huge, sweaty, human wavepool by the end of his set, topped off with a ceremonially tossed bra which Alex proceeded to pull on and sport for the last two songs of the set. I never really knew I wanted to see Alex G perform DSU's downtrodden "Hollow" and Trick's house-of-cards-fragile "Change" in a hot pink brassiere, but I'm glad I did.
Check out more pictures from Teen Suicide and Alex G's sets as well as Alex G's setlist below...
Continue reading "Alex G & Teen Suicide played Beat Kitchen (pics, review)"
January 19, 2015
Strand of Oaks, Kevin Morby & Adia Victoria played a TNK show at Lincoln Hall (pics, setlist, video)
photos by James Richards IV
Strand of Oaks / Kevin Morby at Lincoln Hall
Tomorrow Never Knows 2015 finished off this past weekend with shows at Lincoln Hall, Schubas, the Metro, The Anthenaeum Theater, and the Hideout. We opted to catch Strand of Oaks' Lincoln Hall gig on Saturday night (1/17) with support from former Woods bassist turned solo artist Kevin Morby and Nashville-via-South Carolina dark Americana chanteuse Adia Victoria. Strand of Oaks delivered nearly all of 2014's great HEAL, as well as a few older tunes and a blistering cover of The Replacements classic "Alex Chilton". A full set of pictures, video footage of the HEAL cut "JM," and Strand of Oaks' complete setlist are in this post.
We've also got coverage of Protomartyr's TNK show, which you can check out HERE. Which TNK 2015 shows did you attend?
More pictures from the 1/17 show, some video footage, and Strand of Oaks' setlist lie after the jump...
Continue reading "Strand of Oaks, Kevin Morby & Adia Victoria played a TNK show at Lincoln Hall (pics, setlist, video)"
January 17, 2015
photos by James Richards IV
Protomartyr / Spider Bags at Lincoln Hall
The 2015 edition of Schubas // Lincoln Hall's annual winter festival Tomorrow Never Knows kicked off earlier this week with shows happening at those two venues, as well as at Metro, The Athenaeum Theater, and the Hideout. First up for us was Detroit post punks Protomartyr's headlining show at Lincoln Hall (the outfit's second time there since the release of 2014's great Under Color Of Official Right) with support from Merge-signed garage slingers Spider Bags, locals Varsity, and Detroit's Turn To Crime. Protomartyr frontman Joe Casey snarled over the ace band's intense dissonance, making for just the type of cathartic performance we've come to expect from these guys. Spider Bags were a choice precursor too, and we unfortunately missed the other two sets that night. Pictures from the 1/24 Lincoln Hall show, including a shot of Protomartyr's setlist, are in this post. TNK 2015 continues through Sunday, and we've got additional coverage from the fest on the way.
More LH pics lie after the jump...
Continue reading "Protomartyr, Spider Bags + more played a TNK show at Lincoln Hall (pics, setlist)"
December 23, 2014
photos by Dominick Mastrangelo
My Brightest Diamond brought her tour to Chicago back in November for a show at Lincoln Hall (11/13) with Dosh. Like at other tour stops, she started the show with a marching band on the floor, and then proceeded to finish the set with her band on the stage. We've got a belated set of pictures from that show in this post.
More below...
Continue reading "My Brightest Diamond & Dosh @ Lincoln Hall (belated pics)"


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Amelia Lepping and Andrew Buschena were married Aug. 17, 2013, at the Princeton Chapel, Princeton, N.J., with the Rev. Bill Carpenter officiating.
Parents of the couple are Jim and Pam Lepping, Wichita, Kan., and Jim and Wendy Buschena, Fulda.
Maid of honor was Katie Lepping. Bridesmaid was Jessica Brandt. Personal attendant was Carrie Mills
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Comment: Re:Apple is going to clean up with this one (Score 1) 986
by King Babar (#15342454) Attached to: Apple Unveils New Macbook
If I were a betting man, I'd be putting a buy order on some Apple stock today.
Ooh! Good call. So far the stock's down 2.91% on the day.


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Recent Stories
- Science Day at Heysham Power Station
- New Head of Physics
- Keswick School rockets to success in STEM Challenge day
- Major feat of engineering opens doors to future
- New Business Partnerships and Enterprise Deputy Director in post
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- A decade of 'Innovation, Interaction and Impact': InfoLab21 turns Ten Years Old
- The scientific method and the Higgs Boson
- Physics student wins blogging award
Brunch Bytes: 'Informative and Stimulating'
Our ongoing Brunch Bytes briefings are proving very popular. Spaces are still available for some of the events, with more currently being arranged for next year.
This series of free briefings is designed so that companies can pick 'n' mix the topics to suit their business. Priority will be given to companies signing up to 3 or more workshops.
InfoLab21 Project and Events Coordinator, Carolyn Hayes said,
"The Xbox Kinect Technology briefings are extremely relevant at the moment as developers are adapting it to new uses."
Comments from the first topic "Get Ahead With Mobile Contactless Technology" with InfoLab21's Dr Reuben Edwards included:
- "The event presenter is extremely knowledgeable and the topic is very relevant to today's society" Sue Denver, Business Link NW.
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For more information please contact Carolyn at firstname.lastname@example.com or go to the link below.
Tue 29 March 2011
Associated Links
- Brunch Bytes - InfoLab21's programme of technology briefings
Latest News
Science Day at Heysham Power Station
A Faculty team representing science, technology, engineering and maths took part in EDF Energy's 'Science Day' on Saturday 21st March at Heysham Power Station.
Wed 25 March 2015
New Head of Physics
Professor Roger Jones has replaced Professor Peter Ratoff as Head of the Physics Department. Roger gained a PhD studying neutrino interactions at CERN and Fermilab before starting his career at CERN working at the Large Electron-Positron (LEP) Collider.
Tue 24 March 2015
Keswick School rockets to success in STEM Challenge day
As part of British Science week, 170 students from 14 schools across the region came to Lancaster University on Wednesday 18th March to compete in science, technology, engineering and mathematics challenges.
Mon 23 March 2015
Major feat of engineering opens doors to future
Lancaster University's new flagship Engineering Building will provide a beacon of excellence for research and recruitment for the UK's buoyant and significant engineering industry.
Mon 23 March 2015


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Dodge Challenger SXT Repair and Maintenance
A guide to problems, costs, maintenance and repair for your Dodge Challenger SXT
- my dodge challenger wont start,it sounds like it wanna crank but my etc light on
- why all the horror stories about timing belts on challenger is that mainly hemis
- what kind of repairs can I expect prior to reaching 60,000 miles what will break
- My 2012 dodge charger won't start!!
- when I am driving and I want to stop I have sound like knock from the gear.
- Automatic Transmission Fluid/Filter Change $177 - 255
- Fuel Filter Change $120 - 156
- Drive Belt(s) Replacement $67 - 142
- Headlamp Bulb Replacement $68 - 107
- Wheel Alignment - 4 Wheels $86 - 132
- South Side Auto Service Inc. (718) 285-9635 | 7.91mi
- Ray & Dana's Inman Auto Care (732) 709-7883 | 3.46mi
- Zaloom's Auto Repair (646) 679-6382 | 8.95mi
- Route 1 Sunoco (732) 253-4737 | 8.11mi
- Carracino's Auto & Truck (908) 731-5920 | 8.49mi
Dodge Challenger SXT Questions
I am thinking of purchasing one of the warranties that covers to 60,000 miles would like to know if it is worth getting it because my Nissans never needed many repairs prior to that many miles
My 2012 dodge charger won't start!! At first it didn't recognize my key then it completely went blank... meaning doors locks don't work, trunk don't open, everything.... someone help me...
Dodge Challenger SXT Recalls
Some 2013 Challengers equipped with a V6 engine may have a battery cable that could short to ground at the starter motor, resulting in a fire. This issue can occur even if the vehicle is parked. Affected vehicles should not be driven or parked in or near a structure until this problem has been resolved. Dealers will replace the under hood starter cable assembly to correct this concern.


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Econo Lodge
2020 NW Stallings Drive
Nacogdoches, TX 75964
Phone: (936) 569-0880
Fax: (936) 560-0303
- Free Breakfast
- Free Internet
Econo Lodge, a Nacogdoches, Texas hotel near Nacogdoches Trade Days
Located off U.S. Highway 59, the Nacogdoches, Texas Econo Lodge® hotel is steps from the unique shopping experience found at the Nacogdoches Trade Days. Additional area attractions include:
- Stephen F. Austin State University
- Nacogdoches Baseball Complex
- Millard's Crossing Historic Village
- Old Stone Fort Museum
- Nacogdoches County Expo Center
Explore the downtown historic district, book a tee time at Piney Woods Country Club or Woodland Hills Golf Course. Many shops, historic sites and restaurants are also in the area.
At the Econo Lodge, enjoy amenities and features that include:
- Free continental breakfast
- Free local calls
- Seasonal outdoor pool
- Copy and fax services
In addition to standard amenities, refrigerators are available in some rooms. Handicap accessible and non-smoking rooms are available.
Whether traveling to Nacogdoches for business or pleasure, the Econo Lodge hotel is the perfect location for any guest. We look forward to your visit.
Features and Amenities
- Cable/Satellite TV
- Free Local Calls
- Free Wireless High Speed Internet Access
- In-Room Air Conditioning
- In-Room Coffee Maker
- Microwave
- Multiple Phone Lines
- Wake-Up Service
- Microwave and Refrigerator
- Services/Amenities in Some Rooms:
- Hair Dryer
- Non-Smoking Rooms Available
- Shower Massage
- AM/FM Clock Radio


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FOX 47 - Health News
MADISON (WMSN) -- You may not be able to go anywhere without people talking about the Governor's Budget Repair Bill.
The debate has not only grabbed national attention, it's sprung many people into action, on both sides.
We spoke to a Madison psychologist on how this could affect your mental health by just watching everything unfold on T.V.
The Budget Repair Bill has taken over many people's lives, including Michael Kuenzi.
He says he was sick after demonstrating in the snow last month.
"I was out here 12 hours with my family protesting. I got so sick I couldn't leave the house 6 days," said Michael Kuenzi, Fitchburg Resident.
"The whole state is being affected and people from Appleton, Rhinelander are being affected personally," said Dr. Richard Levine, Clinical Psychologist.
Doctor Richard Levine says feeling stressed is okay.
"Regardless of political sophistication if we feel our democratic processes are not being adhered to, it's a threat to our sense of stability," said Dr. Levine.
The doctor says even if you haven't been at the Capitol, you could still be affected.
Anymore than we don't have to be in Japan to be horrified to see imagery day after day.
According to the CDC, symptoms of stress includes feeling powerless, having nightmares or sleeplessness, fear and anxiety about the future and difficulty concentrating.
There are ways to take care of yourself.
"Being together with other people, friends people with whom you may not even agree but have a sense of having concern and respect for each other," said Dr. Levine.
For Michael, he's channeling his emotions through the signs he holds at the Capitol.
"It's very freeing to be down here," said Michael Kuenzi.
Video List
Sun. - Fri. on FOX 47 News at 9!
Top Health Headlines (foxnews.com)
|Fit men may be less likely to develop some cancers, study suggests
Men with high levels of cardiorespiratory fitness appear to have a lower incidence of lung or colon cancer, a new study has found.
|The medicine that helped me forget about cancer for three days
Pins and needles and scan results— so it goes for me every eight weeks.
|Are smart pills & brain zapping risky? Bioethicists weigh in
Boosting a person's smarts through drugs or electrical or magnetic stimulation of the brain is becoming an increasingly widespread practice.
|American who contracted Ebola improves, in serious condition
Doctors say an American health care worker who contracted Ebola while volunteering in a Sierra Leone treatment unit has improved to serious condition at the National Institutes of Health.
|With diabetic nerve damage, walking can pose fall risk
Diabetics with nerve damage are more likely to have an uneven stride and struggle to maintain their balance even when walking on flat ground, a small study finds.
Tonight on FOX 47
5:00pm Two and a Half Men
5:30pm Big Bang Theory
6:00pm Modern Family
6:30pm Big Bang Theory
7:00pm Bones (Spring Premiere)
8:00pm Backstrom
9:00pm FOX 47 News at 9
9:35pm Modern Family
10:05pm Mike & Molly
10:35pm Mike & Molly
11:05pm Two and a Half Men
11:35pm The Simpsons
12:05am Community


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Rock and Roll Teacher Resources
Find Rock and Roll educational ideas and activities
Showing 121 - 140 of 391 resources
The Iditarod Race Compared with the Movie, Iron Will
Feel the freezing rush of an Alaskan sled dog race in this reading lesson. Using research about the Iditarod Trail Sled Dog Race, seventh graders compare and contrast the depiction in the movie Iron Will. The lesson lasts for seven days...
7th English Language Arts
Sunken Millions for People in our Past
This multiple choice review covers famous historical figures from all walks of life. each slide has a scoring set up in the corner which assumes two teams and allows for hints and lifelines etc. but it is not clear how to use this...
5th Social Studies & History
Selling Rock 'N Roll to the PTA
Students roleplay companies who have excess items to sell. Given a specific item, they pick a market to target, write a letter of persuasion to them, and design an ad, slogan, and brochure that features the marketable qualities of their...
7th - 12th English Language Arts
Hey, Hey, It's the Beatles!
Students study the Beatles and the contributions their music made to much of the pop music that came afterward. They synthesize complex information and the skills of "compare and contrast" in writing. They research some aspect of the...
9th - Higher Ed Social Studies & History
Dance and differently Abled People
There are some good ideas for dance warm ups, cool downs, and movement activities, but the focus is a bit odd. The class discusses that differently abled people like to dance too. Pupils feel what it's like for deaf or blind people to...
8th Visual & Performing Arts
Define My Own Destiny: Using Arrested Development and Lauryn Hill to Teach Hansberry's Raisin in the Sun
Students listen to the lyrics of modern songs by Arrested Development, Lauryn Hill, and others to enhance their study and to connect to characters, conflicts, and themes of the play, A Raisin in the Sun.
9th - 12th English Language Arts


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OS Upgrades Powered By Git 92
from the sounds-like-a-good-idea dept.
We've improved Slashdot's video section; now you can view our video interviews, product close-ups and site visits with all the usual Slashdot options to comment, share, etc. No more walled garden! It's a work in progress -- we hope you'll check it out (Learn more about the recent updates).
They describe it as "automagic", SO I HAVE NO #$%&*(*+&% INTEREST IN IT!
Ever! Arg!
It's designed for web kiosks, like the kind you see in libraries. It's not for power Linux users. It's for a "set-up-and-forget" installation where everything just works, and magically stays updated and patched.
Yet Another Update Manager.
Replacing one transport with another isn't innovative enough to warrant the attention. You could use torrents under YUM or APT, you could use GIT, SVN, or any of a number of change management tools as a means to tell the client which updates to subscribe to and install.
But I doubt any such approach will ever see critical mass, just because the two big players (Debian/Ubuntu and RedHat/RHEL) already have perfectly usable tools. You'd need some serious whizz-bang new features to justify changing those tools, and the article doesn't suggest anything that can't be done already with existing technology.
Change for the sake of change is pointless; there has to be a benefit big enough to justify the change, and I don't see that in the write-up.
An optimist believes we live in the best world possible; a pessimist fears this is true.


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This post is part of a series of posts covering features in WebStorm 9 EAP:
- WebStorm EAP is open!
- Live Edit updates in WebStorm 9 – What's new?
- Tracing, debugging and profiling Node.js with spy-js
- JavaScript Postfix Completion
- WebStorm 9 EAP (138.1988): Meteor support, Gulp and more
One of the most requested features for WebStorm has been support for Meteor, a framework for building both the frontend and backend of web applications using JavaScript. If you're not familiar with Meteor, make sure you check-out their screencast which gives a quick intro to what it is about.
With WebStorm 9, we provide support for Meteor.
Download the latest WebStorm 9 EAP build right now to give it a try. Check the screencast to see the new features available.


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Irrfan joins cast of Yash Raj Films' 'Gunday'
BollywoodHungamaNewsNetwork : Mumbai, Wed Nov 28 2012, 16:25 hrs
Irrfan, who is currently basking in the glory of rave reviews coming his way for his role in Ang Lee's 'Life Of Pi', has signed Yash Raj Films' 'Gunday' to be directed by Ali Abbas Zafar.
Irrfan will be seen along side Arjun Kapoor, Ranveer Singh and Priyanka Chopra in this flick. The actor will be playing the role of an investigating officer in the film. This would be Irrfan's second film with YRF after 'New York'.
'Gunday' is set amidst the most turbulent times in the history of Kolkata (then Calcutta) from 1971 to1988 and tells the story of Bikram and Bala who rose from being small time wagon breakers and coal thieves to becoming the biggest and most powerful black marketing mafia-men.
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Mofos Originals pov VIDEOS (1121)
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When they got home early Anikka caught the babysitter webcamming a private show for her fans. She took pity on the poor desperate girl, and showed her how to work her body to make real money, and then she and her husband tapped that amateur teen ass....
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When India and her man came home from their date, they found the babysitter doing a private striptease for her boyfriend in their bedroom. Once they chased the guy out, India showed Aidra how to work her hot teen body and how to fuck like a pro!
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When you get two slutty BFF's like Valentina Vega and Natalia Mendez together, it's only a matter of time before one of them gets their tits out. They got the party started with a little dick sucking, then took cocks deep in their amateur pussies!
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Sometimes Euro babes do all the work seducing our camera-guy buddy. Amarna was so desperate for cash, she was willing to do whatever he suggested, including showing her perfect breasts on the street, and going back to his apartment to fuck!
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Doesn't matter whether Carrie set out to make a private sex tape and tease just her BF with peeks at her bubble butt, or a homemade porn to show off all over the net! This babe sucked cock like a champ, got fucked hard, and then took a big facial.
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89304 views - Feb 09, 2015
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Since 1984, R&S Supply Company has been supplying America's wineries with high quality products from our Napa Valley warehouse. In March 2015 we merged with wineryproducts.com by Roaming Gnome Enterprises.
Enjoy browsing our portfolio of products on our websites. You can visit our main website HERE for more products (our websites are in the process of merging). Below are the main product lines at wineryproducts.com
Copyright © wineryproducts.com - All rights reserved. Oenotank technology licensed by Flexcube Inc.


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Narrow your search
Aircraft and military manufacturer Boeing has been granted a patent on a system that is designed to prevent explosion shockwaves from harming a target.
With Google's mix-and-match Project Ara handsets, the time is ripe for wacky add-ons to truly customize your phone.
After hearing compelling closing arguments, the jury now gets to decide the winner in Silicon Valley's highest-profile sex discrimination case.
On April 1, Netflix is giving a lot of movies the axe, no joke. Not to worry -- here's what's replacing them.
This impossibly tiny drive barely sticks out of a USB port, so you can leave it there all the time. Great for storage-strapped laptops!
The Federal Aviation Administration has officially declared the Super Bowl a no drone zone. So if you're heading to watch the Patriots take on the Seahawks on Sunday, leave your drone at home.
An executive confirms Google has no plans to fix a security hole in the default browser for older versions of Android, which around 60 percent of all Android users rely on.
As tech giants try to figure out their place in the future, they're giving more autonomy to founders of companies they've swallowed up.
A new patent filing describes using the cloud to transfer your Touch ID fingerprint data to other devices. Would such a system be safe and secure?
This Bluetooth seat belt clip alerts you if you walk away from the car with the baby still in their seat. It also tracks baby's temperature too.


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Posted by Samantha Noderer Samantha is a Health Communication Intern at the MA Department of Public Health When's the last time you hula hooped? I never learned how as a kid. But one day last year – in a very manic moment – …Continue Reading Hula Hooping – Playing for Exercise
Posted by Price Armstrong Price is the Programs Director at MassBike The month of May – Bike Month – is almost here. That means that Bay State Bike Week is just around the corner. We've already started getting events submitted for …Continue Reading Bike Week 2013: Submit your event!
Posted by Samantha Noderer Samantha is a Health Communication Consultant at the MA Department of Public Health On Wednesday, April 3, dedicated leaders from state and municipal agencies and community organizations gathered at the Royal Plaza Hotel in Marlborough, Mass., for the 2013 …Continue Reading Mass in Motion Action Institute: Building Healthier Communities
Posted by Samantha Noderer Samantha is a Health Communication Intern at the MA Department of Public Health Picture this. You're on the go, you're really short on cash, and you're hungry. The closest, quickest, and cheapest option is your local convenience store. You …Continue Reading A Healthy Convenience Store? Energize Everett Makes it a Reality
If you're living on the south shore near Weymouth, you may already know about Olympic Pizza. If you don't, then add it to this weekend's to-do list. The menu is full of the all the usual staples you'd expect: Greek-style pizza, fries, mozzarella …Continue Reading A pizza joint shows us the "Healthy Wey" to eat
Posted by Samantha Noderer Samantha is a Health Communication Intern at the MA Department of Public Health Over recent years, the pomegranate has swum its way into the mainstream as a coveted superfood full of nutrients and vitamins. With a ½ cup of pom …Continue Reading SPOTLIGHT ON: The Pomegranate
Posted by Tracy Evans, MPH with help from Lindsay Tallon Tracy is a Program Coordinator at the MA Department of Public Health Once upon a time I used to be a very different person. I was the girl who would leave work at …Continue Reading Beg, Borrow, and Steal: Healthy Moms at Work
Posted by: Ellen Tolan, RD, LDN, IBCLC Just in time for World Breastfeeding Week, there is great news for moms and babies! Massachusetts has officially become only the second state in the US to be Bag Free! All birthing hospitals and centers in the …Continue Reading A Milestone for Moms and Babies!
Posted by Claire Blais, RD, CDE, LDN Claire is a Registered Dietician at the Massachusetts Department of Public Health. Each of us is given 168 hours per week. Studies tell us we should spend 56 of them asleep, so really we're talking about 112 hours a …Continue Reading Is your company working on wellness?
Lani Telian, Department of Public Health If someone asked me if I wanted fruit containing over 200 seeds, I'd (not so) politely decline and settle for a less-complicated banana. But if that same person asked me if I wanted a strawberry, it would …Continue Reading Strawberries: An Early Summer Superstar


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Vouchers can be redeemed starting Thursday, Sept. 20, through Dec. 2, 2012. Reservations are required and subject to availability. The vineyard is open Thursday-Sunday from 12-6 p.m. through November and Saturdays and Sundays from 12-6 p.m. in December. The voucher is valid for 2 people only. Not valid on major holidays. Not valid on August 18. See below for full terms and conditions.See all terms
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Winnipeg Free Press - ONLINE EDITION
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Photo: Kobe Bryant has a statue… in China
06/17/2013 at 4:28 pm By Anthony Ramsey
Yep, you read that correctly. Los Angeles Lakers star Kobe Bryant is so loved overseas that they gave the still-active icon a statue in China:
You can bet the farm that Bryant will also have a statue outside of Staples Center in Los Angeles — the man IS one of the most accomplished players in NBA history — but kudos to China for recognizing greatness a little earlier than expected.
Photo via
Powered by Sidelines
Tags: Kobe Bryant, los angeles lakers, statues, wow


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iColorama S - Photo Editor and Brush Painter
By Enrique Garcia
Open iTunes to buy and download apps.
Contact me if you have any problem: email@example.com
Get it also for iPad, search for iColorama
Join our FB group for tips and sharing your art:
Follow in Instagram: @icolorama (see you at #Applifam and #fx_hdr challenges)
iColorama is an imaging creativity app for people interesting in enhancing their photos or drawings and converting them in amazing pieces of art.
There are too many effects to be listed. The effects are from simple image adjustments to complicated math transforms. Images can also be painted with many different brushes.(400 +)
You can share directly your creations in Facebook, Instagram, Twitter, Tumblr and Flickr.
Community: http://facebook.com/icolorama
There are some fantastic tutorials written by Jerry Jobe:
The app is updated based on the community requests. NO In-App purchases. Developing is on going and your requests count.
Visit our community if you are interested in knowing more or just check our tag #icolorama at Instagram
- Max Resolution: iPhone4s,5 4096x, rest 2048x
And join MobiTog.com - http://www.mobitog.com
THE Original Global iPhoneography and Mobile Photography Community - Run by Mobile Photographers, for Mobile Photographers everywhere, everyone serious about thier Mobile Photography should join us.
MobiTog.com is the only place to share, learn and discuss all things directly with other passionistas of Mobile Photography as well the Developers of our art forms Apps
What's New in Version 3.88
- Style->Triangles
- Images can be opened in Pixel23, Tensor and Glass
- Fixes crash when sharing the image with other apps
- icon in iPad
iPhone Screenshot
Customer Reviews
Colorama S app
I love this app. My only disappointment is in the new update. In style under painterly I wish blur painting was still there. I like everything else and the new additions such as watercolor is great. Please bring blur painting back and I will change to a 5.
The new update is superb. I love all of the new additions. I notice blur painting is not there. I have an iPhone 4. Anyway great work, one of my favorite apps
Awesome app. Hands down, my favorite app. Thank You so much for bringing back blur painting. This app just keeps getting better. Bravo👏👏👏😊💯
I can't say enough good things about this app.
I have about 5 apps that I use on a daily basis. This is one of them. I'm always thrilled for your updates. Their is tso many possibilities with icoloramaS.
Bravo ⭐⭐⭐⭐⭐.
Excellent. I love the improvements that you made to the watercolor. Totally love this app.
Icolorama S. This is one of my all time favorite apps. I use it on almost every edit in some fashion. The improvements keep getting better. Well Done 👏👏👏🎨😊
The best!
If you love to create artwork with your photos, do yourself a favor and download this app. The developer constantly updates the app with new features and is very responsive to user requests.
Check out the iColorama Facebook group for inspiration and tips! It's a very supportive community of artists.
This is my go-to app! I'm amazed at the power and creativity available here. There are tools in the app that are so beautiful and complex, it rivals photoshop, but is much easier than photoshop.
She has created something very special.
Customers Also Bought
- $2.99
- Category: Photo & Video
- Updated: Feb 14, 2015
- Version: 3.88
- Size: 311 MB
- Languages: English, Russian, Spanish
- Seller: Enrique Garcia
- © Enrique Garcia
Compatibility: Requires iOS 7.1 or later. Compatible with iPhone, iPad, and iPod touch. This app is optimized for iPhone 5, iPhone 6, and iPhone 6 Plus.


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Western Sarnia-Lambton Research Park
For over a decade, the Western Sarnia-Lambton Research Park has served as a strong link between concept and commerce, and a key contributor to the movement of an idea or a discovery from the lab bench to the marketplace. The Park is home to the Bowman Centre for Technology Commercialization, Canada's largest clean-tech incubator, focused on large-scale industrial biotechnology.
February 19, 2015
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Austin, Texas is home to one of the highest performing cardiovascular facilities in the nation - Heart Hospital of Austin. Our team of professionals has made us the #1 Cardiac Program in Texas for six consecutive years as ranked by HealthGrades.
CommUnityCare offers family oriented environment, competitive compensation, generous benefits package, work-life balance, employee recognition program! Steady shifts hours 8am to 5pm! BCRS Loan Repayment Programs for Nurses!
Join one of the Top 100 health care systems in the nation. With 38 locations throughout Central Texas, Seton Healthcare Family is a growing center for medical research and education and is home to the region's only 4 Magnet® recognized hospitals.


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Kick Toe Heater Options
I would like to install a kick toe heater in my kitchen. Any recommendations on brand to buy? I would like one that goes on and off automatically according to thermostat. Any insight is appreciated!
Brand- I always suggest Turbonics if one of the two larger ones will fir. Quitest, longest lasting, most btus for size. If smaller ones are needed then Beacon Morris- second in all the above categories but better BTU in smaller sizes. Also suotable if less depth is available.
I have one of each in my own home.
Keep them both on lowest speed. Repaced 60 ft of baseboard.
Pit in a drawer base whenever possible- easier acceSs forr service.(The turbonics has a built in bleeder !. Must be added) Avoid install in sink base-hot feet, lousy access. .
Make sure instalation is according to specs-MUST use two mono flo "T's".


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Saucier, MS, United States
"Absolutely love Stephanie Laurens & Cynster books"
Yes. It would have taken longer to read, lol
Following the Cynster's, of course.
I didn't really enjoy the voice. Not what I imagine a female Cynster to sound like. Too weak and timid, not strong and confident.
I don't know. It might would take away from the book.
Not sure I will get another book with this narrator?
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