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VIEWS: 1,013 PAGES: 13 CATEGORY: Business POSTED ON: 11/15/2010
Citimortgage Insurance Claim Check document sample
Keynote Speaker Audio Laurie Maggiano Deputy Director, Office of Single Family Asset Management US Department of Housing and Urban Development, Washington, D.C. To resurrect the shattered lives of Hurricanes Katrina, Rita and Wilma victims, Keynote Speaker Laurie Maggiano urged the importance of cooperation, communication and understanding for success throughout the property p reservation industry. The Federal Housing Authority handles more than 300,000 mortgages with a $22.5 billion outlet of impaired loans in the FEMA-declared disaster areas eligible for individual assistance. These volumes make it imperative to develop cooperation and open communication lines to ensure the interests of all segments in the industry are protected. HUD continues to make a difference in the disaster areas and has already established a Resource and Recovery Center, along with task forces in Baton Rouge and Washington, D.C., all focused on addressing the after-effects of the hurricanes. HUD also released Mortgagee Letter 2005-41 to help clarify ways to initiate recovery efforts. ML 05-41 addressed inspection, extension, conveyance, moratorium a nd reimbursement issues that needed revision based on industry suggestions in light of the disaster. However, a disaster relief policy plan still needs to be cooperatively established to help better prepare the industry for future disasters. Introduction Audio Robert Klein CEO Safeguard Properties, Inc. Robert Klein opened the conference, reiterating the purpose of uniting all industry components to build a cooperative consensus. Despite representatives from different sectors, every attendee was there to speak on his or her own behalf to answer, ask or challenge questions, responses and policies. "We are not perfect. We make mistakes. At times we need clarification. Sometimes we are right, other times we are not right at all," Klein explained of the mortgage field servicers. "But we must take responsibility for what we do and provide accurate information to our clients. That is the purpose of the conference. To get as much clarification as possible." Panelists of the 2-day conference included representatives from Aurora Home Loans, CitiMortgage, Countrywide Home Loans, Wells Fargo Home Loans, Bank of America, Midland Mortgage, Superior, GMAC, HSBC, MCS, Fidelity Field Services, First American Default Outsourcing, Assurant Insurance, HUD, VA, Fannie Mae, Freddie Mac, the M&M contractors, and Safeguard Properties. Guest Speaker Audio John B. Breaux Louisiana State Senator Senator John Breaux, who spent more than 30 years in Congress, addressed conference attendees and explained that with more than 300,000 damaged homes, Hurricanes Katrina, Rita and Wilma created a disaster greater than any other in history. The magnitude of damage will make the task of restoring the area to normalcy very difficult. Referencing a study performed by Louisiana State University, Sen. Breaux said the hurricanes wiped out 11 years of job growth in the state and reduced the population by half a million people, which will most likely cause them to lose a Congressional seat. The state believed it was protected by a levy system built to withstand a Category 3 storm, so the area was heavily populated and built up based on the security and protection the government assured was available to the city. Sen. Breaux said the federal government has the ability to immediately assist these areas in light of the levy failures, but a lack of communication and delay in response led to the failure to stabilize the area. Sen. Breaux said the areas hit by the disasters should not bear the sole burden of funding recovery. The disasters hit the "United" States of America, which are just that - - united, not individual. Sen. Breaux suggested a national disaster relief plan, one that covers not only the victims of hurricane and flood, but also those in earthquake states like California, or tornado- prone areas like Kansas. The cost could be evenly absorbed by all states, and in turn available to all as protection in case of disaster. Future protection proposals are needed, Sen. Breaux emphasized, for assurance to residents in the damaged areas that they will be protected if disaster strikes again. The demolition process has also been a cause for concern to many lenders. In light of almost every municipality using a different system to flag properties for demolition and without concrete dates or information to support action, many servicers are concerned about protecting their interest in properties. Sen. Breaux reassured servicers that while properties obstructing relief efforts may be demolished, it is vital that states contact servicers before demolishing large areas. Sen. Breaux recognized the National P&P Conference as an excellent forum to share ideas and openly communicate. He concluded with "We will learn from this disaster; and if you don't, it's another disaster." FEMA Representative Audio Mike Hirsch United States Department of Homeland Security Mike Hirsch broached issues of gathering and sharing information, processing claims and releasing funds. Robert Klein of Safeguard expressed concern for the lack of information sharing between the disaster area municipalities and the servicers. The industry is doing its best to address the disaster on-site, but servicers need access to inspection results and information. One of the challenges currently facing the servicers is municipalities refusing to release inspection information based on the privacy act. But Mr. Klein argued that because the servicer's name is on the title with the borrower, it is the servicer's right to know about a property they have vested interest in. Mr. Hirsch explained that he cannot provide a detailed answer about how to improve communication, but he can pass on aggregate data to anyone who calls his office. He can be reached at (202)646-4099 or by email at firstname.lastname@example.com. Session I: General Disaster Issues Audio Hurricanes Katrina, Rita and Wilma have not only left damage and destruction in their wake, but many unanswered questions and issues on how to deal with these after-affects. Servicers broached multiple concerns and looked for guidance in how to deal with the most common uncertainties they now face. Moratoriums Audio Moratoriums on foreclosures are implemented to provide the borrower and the servicer "time and space" to preserve home ownership. HUD, Fannie Mae and Freddie Mac implemented a 90-day moratorium in the declared disaster area to freeze both active foreclosures and the initiation of any new foreclosures to allow the borrower and servicer time to adjust to damage. Foreclosure sale dates should be postponed if scheduled. The 90-day moratorium only applies to the initiation of new foreclosures for VA loans. Loss Draft Inspections Audio FHA, VA, HUD, Fannie Mae and Freddie Mac all have existing policies in place with instructions to servicers on the release of insurance funds to borrowers making repairs. All of the investors will be reviewing their existing loss draft instructions to ensure efficient and cost-effective measures are in place to protect the servicers, without limiting the resources to borrowers that want to repair and rebuild. A concern of the servicers is that the majority of repairs will fall below the minimum $15,000 initial release of funds. With a lack of licensed and qualified contractors in the disaster areas funds may be released without repairs being completed timely or correctly. Fannie Mae released Lender Letter 02-05 with clear instructions regarding the disbursement of insurance funds to borrowers. Freddie Mac released instructions to servicers regarding insurance proceeds in a September 7th bulletin. Details can be found at FHLMC Release of Insurance Proceeds. Rebuilding Efforts and Proposals Audio Several state and city politicians and non-profit organizations have proposed their ideas on how to rebuild the cities and affected areas. Three proposals are sound and have gathered credible backers to support the review by congress. National Flood Insurance Program/HR 3922, a bill that would allow mortgagors outside the FEMA-declared hazard flood zones to buy into the program now for retroactive coverage, remains pending. If the bill is not approved, many lenders and borrowers will be left with no way to care for or repair their properties. The cost of the retroactive insurance is costly to the borrower but would offer a solution for repairing or rebuilding. Articles in The Times Picayune and LA Times discuss a proposal for a Usufruct system that would allow the city to assume legal rights to properties in order to facilitate the rebuilding efforts and design of the city. The Usufruct system would not require the city or controlling municipality to coordinate with the lenders or servicers. This proposal has little support and backing but its root concept has influence on other proposals, including the Baker Bill. The Baker Bill, HR 4100 will establish a Louisiana Recovery Corporation [LRC] in which properties would be bought by the LRC and then sold to developers that would redevelop and market the property. This bill does not guarantee the loan would be paid in full, thus servicer and lender concern. However, this option may be the most cost- effective solution for the servicers and lenders. Definition of Vacancy Audio During the hurricanes, many residents were forced to evacuate their homes and property causing servicers to experience difficulty in distinguishing when a property is actually vacant or only temporarily vacant from evacuation. Investors have not issued guidance to servicers on how to proceed with securing these homes. Servicers are hesitant to proceed with securing and protecting their investment due to lack of instruction on how to asses the cost and legal implications of trespassing. Investors instructed servicers to document all contact attempts and correspondence and to use sound judgment when proceeding to secure any property in the disaster-affected areas. Interviewing neighbors and friends can provide information on the homeowner's status. Not proceeding with securing and preservation of the affected properties will result in damages getting worse over time. It was recommended that servicers evaluate properties on a case-by-case basis and proceed with securing properties confirmed vacant by neighbors or contact with borrowers. However, servicers are hesitant to proceed with securing of current loans because no instruction has been given regarding reimbursement of the cost. Mold Remediation Audio With a moratorium on foreclosures servicers will not be conveying properties to HUD until after February 28, 2006. HUD policy only allows servicers to identify the cause of the mold and stop future growth, and does not allow for remediation. Mold will continue to grow and spread throughout the property after the water infiltration has bee n stopped (i.e. roof leak, broken pipes, etc.). Different interpretation of "stopping future growth" by the M&M contractors further complicates the issue. Several M&M's require full remediation and others only require the cause of the mold to be addressed. HUD clarified that only the cause of the mold needs to be addressed. This is a concern of the servicers because as time passes, mold will continue to grow in homes and servicers run the risk of losing entire properties to mold damage. Waiting for clarified instruction only causes the problem to worsen. Servicers would like specific guidelines for treating mold to be developed to protect the servicers and investors from losing properties to mold. Mold is already present in the vacant properties in the disaster areas. If no action has been taken to remediate since the hurricanes then it is bound to continue to grow at a rapid rate due to the warm temperatures of the region. Conveyance of Uninsured/Unrepaired/Demolished Properties Audio VA and HUD are in discussions over their guidelines on conveying uninsured or unrepaired properties, but no changes have been implemented. Generally, properties must be repaired before they will be accepted in conveyance. If a shortfall exists in the money awarded in an insurance claim in comparison to the cost of repairs, there remains uncertainty as to who will cover the cost of repairs. Under the same idea, there isn't clarity as to who will be accountable for the balance of the loan in the conveyance of demolished properties. Some of these properties will be redeveloped, keeping it from being a total loss, but at this point there is no local consensus to which areas are prime for rebuilding and which will be simply walked away from. Joe Schilling of the National Vacant Properties Campaign is working to connect lenders and borrowers with city code officials to alert all parties when a home is being demolished. For guidance or updates on this process, contact Joe Schilling by email at firstname.lastname@example.com. Per HUD guidelines, properties demolished with no prior notification to the servicer will be accepted at conveyance with no additional repercussions to the servicer. However, documentation showing when the servicer became aware of the demolition must be provided. Demolished properties can be conveyed without prior approva l from HUDin disaster areas onlyas long as the supporting documentation is included. Due to outdated flood maps and requirements by FEMA, many of the affected properties did not require flood insurance as a contingency of the mortgage agreement. Home owner insurance policies will issue funds to cover the wind and water damage, but without the additional flood insurance many properties will not be able to be repaired to meet new city code requirement of raising the home above sea level. HUD and VA are reviewing options for servicers regarding properties with insufficient insurance proceeds to properly repair or rebuild prior to conveyance. Session II: Investor Specific Disaster Conce rns Audio HUD ML 2005-41 Audio The provisions of HUD ML 2005-41 are only applicable to the disaster-declared areas eligible for individual assistance. Inspections Audio An extension to complete inspections within a 60-day timeframe for properties within the disaster-declared areas has been implemented. Normal 25-35 day inspections for every area outside of the disaster zone have also been extended and need to be completed within 25 to 40 days. In addition, HUD will reimburse servicers an additional $15 for inspections performed in the disaster area, even if the property was inspected following Katrina and hit again by Rita, meaning it needed to be inspected two times within the 60- day window. Photos Audio HUD will reimburse servicers for up to 200 photographs per properties in the disaster- declared areas that qualify for individual assistance. Hazard Claims Audio In areas of disaster, the hazard claims process will be slowed because of the volume of claims. Conveyance extensions on properties awaiting the completion of hazard claims are anticipated and per HUD guidelines, should be approved. For now, any servicer requesting a conveyance extension from an M&M should be approved for 90 additional days. Changes to the deadlines may occur in the future, but for now, servicers should be filing extensions as soon as they are aware one will be needed. Second Bids Audio HUD policy does not require second bids for debris removal or non-debris removal bids in the disaster-affected areas. Emergency Repairs Audio The emergency repair allowable has been increased to $750 and is only to be used for roof repairs. Session III: M&M Best Practices Audio This session was designated as an opportunity for the M&M contractors to share their perspective and concerns with the servicers. Inaccurate Information Audio HUD forms, over-allowable request, and extension requests are often submitted to the M&M contractors with incorrect or incomplete case numbers and discrepancies in first- time vacancy and foreclosure sale dates. The M&M contractors request servicers to explain why a first-time vacancy date has changed on forms and requests submitted. A valid reason for first-time vacancy date discrepancies is when a property is reported vacant and a contractor is ordered to complete the initial secure, but upon his or her arrival, the property is found occupied and an eviction has to be completed. Timeliness of Bids Audio The M&M contractors requested servicers to submit both first and second bids together for approval, rather than separately. It is understood that not all second bids will be available at the same time as the first bid, but the five-day window M&Ms are required to respond to bids does not begin until the first and second bids a re received. Servicers may still be asked to provide second bids on work that the HUD guidelines do not require second bids, but M&M contractors evaluate loans on a case-by-case basis and may determine which work needs a second bid based on the history of the property or the photos provided. Servicers are not opposed to providing these second bids; however, extensions to convey should be approved to allot for the extra time that is needed to obtain the second bid. M&M contractors are receiving bids for work that is not required for conveyance and review of these bids create additional work for the M&M. Servicers are providing bids for items that could be considered mortgagor neglect because they have been asked to by other M&M contractors. There is no consensus between M&M contractors as to the definition of mortgagee and mortgagor neglect. Servicers also provide these bids as a safeguarding measure to ensure property damage or conditions are documented and avoid properties being reconveyed due to mortgagee neglect. Roof Repairs Audio Servicers are submitting bids to tarp without bids to repair. Or, servicers tarp for the allowable and do not proceed to repair. This triggers the M&M's to reconvey the property due to failure to properly preserve and protect the property. Servicers advised that the value of the property does not always warrant the roof to be repaired. Some properties are valued at or less than the cost to repair or replace the roof. Servicers request that the M&M review the value of the property before forcing a repair or replacement. Mobile Home Conveyance Audio M&M contractors routinely receive mobile homes into their inventory without proper titling of the property and without the vehicle title being purged. Servicers agreed that this should not happen and recognize more diligence is needed when conveying mobile or manufactured homes. Winterizations Audio M&M contractors often find that all of the water is not being blown out of the pipes during the winterization performed. Servicers and field service providers recognize this is a requirement of the guidelines. However, older properties often have pipes and plumbing configurations that prevent this, therefore if the remaining water is minimal and does not contribute to any damages it should not be seen as a conveyance or non- performance issue. It is not always cost-effective to winterize a wet system, fill the system with antifreeze, and turn the heat on for older properties. Servicers requested that M&M contractors review the age of the property and boiler before proceeding with bid approval to restart the system per HUD ML 2002-10. Many cases warrant a system shutdown only. Code Enforcement Audio Properties are regularly received into M&M inventory with liens and city code violations. Servicers are expected to contact municipalities to check code compliance before conveying a property and make every effort to do so. However, cities may not record a lien or violation until after conveyance. These exceptions should be reviewed on a case-by-case basis prior to being re-conveyed back to the servicer. Additionally, some code violations and liens pre-date servicer control of the property. These violations and liens are claimable to HUD. Over-Allowable Requests Audio Illegible, hand-written over-allowable are often submitted to the M&M's. However, several M&M contractors do not currently accept email transmissions. HUD will review the issue and work towards implementing electronic submission. NHMSI did state that they receive electronic forms from many servicers with links to photos and property condition information. They added that the forms submitted by Safeguard are user- friendly and efficient. Servicers would like bid approval to be submitted electronically as well. HUD and the M&M contractors agreed that this is a valid request and more efficient, however, the servicers are required to have a signed bid approval form in the file. Hazard Insurance Claims Audio Servicers are submitting bids to repair damages instead of filing an insurance claim. The review of these bids creates additional work for the M&M's and causes additional delays in conveyance. Servicers advised that bids are provided as soon as reported to protect themselves against claims of mortgagee neglect even when the insurance claim has been filed. The M&M contractors would like to see detailed documentation regarding the length of time it takes to settle an insurance claim and the diligence of the servicer to follow up on the status of the claim. Servicers may convey un-repaired properties with non-surchargeable damage; however, servicers must still file an insurance claim and reduce the amount of their claim. Additionally, servicers must be absolutely sure there has been no failure on their obligation to preserve and protect their interest (including timely initiation of foreclosure) and disclose all damage details to HUD. Extensions Requests Audio M&M contractors are not permitted to grant extensions past 90 days for routine P&P work, such as, lock changes, debris removal, and boarding. Servicers agree and offered that extensions for these requests are a result of unusual activity at a property after the initial secure was completed (i.e. vandalism, additional dumping of trash, or the property becomes reoccupied). If a bid for work is approved by M&Ms, but servicers will not be able to complete the approved work before the conveyance date, an extension request should be filed. If the request is denied, servicers should still finish the work and handle the extension denial through the appeal process. M&Ms should give more detailed explanations when denying an extension request. HUD advised that if the M&M grants an extension request without proper authorization, HUD can deny the request and curtail the servicer for the interest. Conveyance Audio Work can be completed after the conveyance deadline but cannot be claimed for reimbursement. If the work was completed per bid approval after conveyance the amount can be claimed, however, interest cannot be claimed. This will be further clarified in an upcoming mortgagee letter. M&M contractors are receiving properties into inventory with tarped roofs even though approval was given to repair. Servicers responded that it is not always cost-effective to repair roofs of properties with low re-sale value. Properties can be conveyed with a tarp if conveyed within 30 days of foreclosure sale or first time vacancy. HUD stated that properties can be conveyed with normal household chemicals, such as a few cans of paint, laundry or dish detergent, or cleaning agents, and this will be even further clarified in the upcoming mortgagee letter. Session IV: M&M/HUD Issues Audio Second Bids Audio Although HUD guidelines only require second bids for debris removal, the M&M's are requesting second bids for all types of work. In order to help reduce the number of second bids requested, servicers request that the M&M's provide detail as to why a second bid is required so that they can build business rules and make the bid process more efficient. M&M's would like the servicers to be more thorough in their review of bids and automatically provide second bids on any items that seem excessive. Servicers have been instructed to complete work per the second bid provided by the M&M's contractors. Often the bids are not apples to apples and the servicer cannot complete the work for the lower amount. M&Ms have been authorizing their contractors to perform work on pre-conveyed properties and are requesting servicers to reimburse the M&M's contractor for the work. These situations should be escalated to the GTR/HOC for review. HUD Offset Policy Audio As outlined in Mortgagee Letter 2002-19, servicers can rebut demand letters and if the appeal is denied, it can be escalated to the GTR. While the process is in appeal, an offset should not be issued. If the GTR denies the appeal for the demand letter they must provide a detailed reason to the servicer. However, M&M contractors are not required to forward the denial paperwork from the GTR. Mold Audio Servicers are required to recognize the cause of mold and stop the water infiltration, but not remediate mold in a property. However, even if the cause of mold is stopped, it will still continue to spread. HUD's policy remains that it is the responsibility of the M&M contractor to remediate mold. M&M Contractors Entering Property Prior to Conveyance Audio M&M contractors are not permitted to enter a property pre-conveyance without the cooperation and authorization from the servicer. Servicers should escalate these occurrences to the GTR. GTR Approval Threshold Audio HUD policy does not require confirmation to servicers that extension request appeals were reviewed by the GTR, servicers requested that the GTRs response should be made available to the servicer upon request. Only over-allowable requests for surchargeable damage repairs exceeding $2500 need GTR approval. Servicers are not required to automatically submit second bids for bids exceeding $2500, however, the GTR can line item approve or deny these bids or request a second bid. Requests for Extensions to Convey Audio M&Ms are not permitted to approve extension requests on pending hazard claims beyond 90 days; however, in many cases, this is not enough time for a hazard insurance claim to be filed and settled. Servicers requesting extensions must provide a detailed reason for the request for an extension to convey beyond 90 days. M&Ms require documentation to support the reason for the request, or they will assume the servicer has not been utilizing due diligence to settle the claim and get a response from the insurance carrier. Special consideration will be given for claims in the disaster areas, but servicers need to explain that this is the situation when they are requesting the extension. M&M contractors should provide detail as to why the extension request is denied. Yard Maintenance Audio HUD policy does not allow M&Ms to give open-ended approval on re-cuts for the entirety of the grass cut season, but M&Ms should be able to approve a "per grass cut amount" per property. HUD guidelines require bushes to be trimmed at least once during grass cut season. However, if the bushes do not need to be trimmed at the initial grass cut, a servicer can wait until it is necessary. If bushes need to be cut more than once during the season, the work must be bid to HUD. Servicers would like clarification from HUD as to when shrubs must be trimmed. Servicers do not trim shrubs prior to conveyance if the shrubs or bushes do not impede walkways or cause a violation or deterioration to the property. Audio Administrative Remedy Report. (ARR) Non-Compliance Letters Audio M&Ms are not required to respond to ARR letters sent to the servicer. HUD policy allows the servicer to request documentation supporting an issued non-compliance or demand letter. When servicers respond to a non-compliance or demand letter, they should receive confirmation of its receipt and the documentation will be stored in the loan file. If a letter is resolved in a servicer's favor, it will be removed from the Administrative Remedy Report. Marketable Condition Audio M&Ms issue non-compliance or demand letters for work that prevents a property from being in marketable condition, not convey condition, such as failure to remove garden hoses or rocks from the yard, repair holes in the walls, or minor ceiling damage. HUD requires servicers to repair all damaged items if the damage is covered by the hazard insurance claim. For example, if a hazard claim is filed to fix a leaking roof, any ceiling damage caused by the roof damage must also be fixed. HUD clarified that if a swing-set is in good, working condition and does not pose a city code violation then it is not required to be removed prior to conveyance. HUD also clarified that missing fixtures need to be replaced. Utility Transfers Audio M&M contractors are required to transfer utilities into their name upon conveyance. IF M&Ms fail to transfer or de-activate utilities at the time of conveyance, servicers receive outstanding utility bills in their name. If the M&M is not diligently transferring the utilities into their name servicers should escalate the situation to the GTR. Session V: Service r Best Practices Audio Bankruptcy Procedures Audio Current investors/insurers require servicers mitigate damages regardless of bankruptcy status. These requirements have lead to many lawsuits filed against servicers for violating bankruptcy laws and trespassing when taking actions to secure and protect the property. As a result of lawsuits, servicers are hesitant to take any action during bankruptcy status. It is recommended that servicers receive written permission from bankruptcy trustee prior to proceeding with any actions. Servicers that fail to secure and protect vacant properties in bankruptcy will be liable for damages as a result of mortgagee neglect. Servicers are required to have regular contact with bankruptcy trustees, therefore full knowledge of the status of the property. Because of this requirement, HUD will not reimburse for monthly property inspections during bankruptcy status. Pre-Sale Securing Policy Audio Currently the HUD guidelines do not distinguish between pre and post sale and require all locks to be changed upon vacancy verification to properly secure the property. However, servicers are hesitant to secure all locks prior to the property going to sale because of liability and the fear of trespassing lawsuits filed by the mortgagor. HUD recognizes the hesitation of the servicer; however, the vacancy clause of the deed should protect the servicer. Servicers would like additional clarification and instruction on proceeding with preservation work on properties classified as vacant and being maintained, vacant and secure, vacant and abandoned or unsecure. Servicers have been held liable for damages that occurred during maintenance and control of the property by a third party (realtor, management company, or condo associations). It has also been the experience of many servicers that vacant and secure properties are not always abandoned and uncared for, for example, vacation homes. These situations have also resulted in lawsuits for trespassing. It was recommended by one servicer that servicers request copies of the MLS or broker contract for all properties with an active listing on the MLS or posted for sale by a broker. This documentation should be provided as just cause for not proceeding to change locks or winterize a property. Likewise, maintaining frequent communication with the broker and documenting the file is crucial to avoiding claims of mortgagee neglect. Proper Documentation of Property Condition Audio Investor/insures recommend documenting the condition of the property with photos and/or video recording to reduce claims of mortgagee neglect. Photos provide "cheap insurance" to the contractor and the servicer. Every angle of every room should be photographed at the time of the initial secure, therefore, providing accurate FTV documentation of the property. While video recording is not a service performed by many field service providers, it is certainly an option that should be explored. Mobile/Manufactured Homes Audio Foreclosure attorneys should be responsible for assuring proper title of mobile/manufactured homes, however, they are reviewing loan origination papers, which are not always accurate. Most of the title and conveyance issues stem from incomplete or inaccurate loan origination. As a result of the loan origination issues, servicers rely on the field service providers to alert them of a mobile home status. Additionally, Freddie Mac provides a report of all mobile homes on file and it is recommended servicers review the report on a regular basis. It is an estimated that it costs $6000.00 to convert a mobile home titled as personal property to real property, not including the conversion of the title (this cost will vary by state and county). Servicers violate laws in some areas if they take action to secure the mobile home prior to it being converted to real property. Servicers should review these on a case-by-case basis with their legal counsel. City Code Enforcement Audio Representatives from several cities reiterated that the key to avoiding city code violations and citations is to keep the property clean, free of debris, and free of health and safety hazards. City code officials are willing to work with the servicers and resolve issues prior to issuing violation and citations but often do not know who the lien holder is. It is recommended that servicers post a notice on their vacant properties notifying the city who to contact in the event of vagrancy, debris, or safety hazards. Hazard Insurance Claims Audio It is the responsibility of the hazard insurance carrier to prove that an exclusion applies when denying a claim for damages. Servicers should be thorough in their detail and documentation when filing an insurance claim. In addition, servicers should not accept standard denials without explicit detail supporting the reason for the denial of the claim. Mold damage is covered by insurance policies when it is the result of a covered loss, such as flood, or roof damage that allowed water infiltration. Water leakage over a period of time, such as a small roof leak not repaired, is typically an excluded condition in the insurance policy, therefore the resulting mold would not be covered. Conclusion The growth of the industry is dependent on the ability of all sectors to come together, discuss and develop policies, guidelines and practices that best ensure the longevity of the industry. The second annual National Property Preservation Conference was successful in opening the lines of communication between the servicers and investors. Maintaining this communication and remembering "We're all in this together. Let's make it work!" are vital to future growth, improvement and success.
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Blog Post: Discussion: Can You Disavow out of Penguin? - Whiteboard Friday
I think It's pretty safe to say that the disavow alone does not get you out of a penguin hit. The keyword there is alone. Out of all of the sites I have helped with, I commonly find that they have had some old school web spam links somewhere in the link profile.
I tend to disavow these links when they are obviously spam. I don't know that it definitely helps but It's been a part of my process for a while and I have been getting results this way. I have never found a site which has seen a dip in rankings and the only problem has been spammy links. There are always other problems which need to be worked on.
I guess it's food for thought, am I adding an unnecessary step to my process and approaching this with an "it's not broken don't fix it" mentality?


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Response from Rick Sowadsky, M.P.H.
Nevada State Health Division AIDS Program...Thank you for your question. In regard to the Hepatitis A and Hepatitis B vaccines, at this time, booster shots are not usually necessary. After completing the initial vaccination series, in the vast Read more »
Hepatitis B and Hepatitis C Antibody TestsDr. Dieterich:While I understand that there are other tests capable of detecting hepatitis b and c more quickly after a potential exposure than the antibody tests, can you tell me what the window period is for the antibody tests to detect hepatitis...
Response from Douglas T. Dieterich, M.D.
New York University, School of MedicineThe window period is usually around 6 months reliably. However most people show antibodies at 3 months but some may take as long as 12 months although that would be a rarity. DTD Read more »
HEP BJust got results of my test. It says Hep B SUR AG NEGATIVE AND HEP B SUR AG POSITIVE. Please kindly explain to me the basis of this result. I had my hep B vaccines two years ago.
Response from Barbara McGovern, M.D.
Tufts University School of Medicine...Hepatitis B surface antibody means that you are protected. Read more »
Hepatitis B... Table of Contents What Is Hepatitis B? How is HBV Spread? Diagnosis and Treatment HIV Treatment for People Who Are Also Infected With HBV Prevention of Read more »
Hepatitis B: The Other Hepatitis Virus...significant problem for many people with HIV, but it isn't the only virus that can cause hepatitis (inflammation of the liver). HIV/hepatitis B virus (HBV) is another common co-infection and, like HIV/HCV co-infection, can cause severe liver... Read more »
Comparing Three Viruses: HIV, Hepatitis B and Hepatitis C... HIV Hepatitis B (HBV) Hepatitis C (HCV) EPI Slowly progressing disease, with ~10 years to life threatening stage. High mortality if Read more »
Hepatitis: Overview...sewage in it, or through food that was handled by someone with contaminated hands. Hep A and Hep E do not cause chronic illness. Hepatitis B is the most common hepatitis virus. It can be transmitted from mother to infant, through sexual... Read more »
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negative meia after 12 weeks. Got hep B vaccinatio
Posted by Anonymous, 3 Replies...Vaccination for Hep B, since I was not immune for that. I took that shot. Now I am very worried. I see from some websites, that with hepatitis B vaccination, it could show positive for ELISA. Is it the case? If I am seroconverting, will this shot... Read more »
Posted by Anonymous, 1 Reply...If one was infected with HEP B or C and took and HIV test at 12, 15, and 17 weeks (excessive testing I know, can't help it) would a negative test be accurate Read more »
Magnus(straight from Sweden)
Posted by Anonymous, 2 RepliesHi Magnus, one question if you could please answer,about testing up to 6 months if you have takin pep or co-infected with hep c.A person would know if they took pep,but a person might not know if they were co-infected with hep c as it can take 6... Read more »
hep b / hiv coinfect
Posted by Anonymous, 1 Reply...is it possible to get hiv / hep b coinfection via oral sex, say cunnilingus, if so, would the hep b infection cause an hiv test to be neg after 6-8 weeks or so. Read more »
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James Brown Killed Dumb Biopics: Why the Messy Get On...
By Alan Scherstuhl
Dawn of the Planet of the Apes Is a Stellar Sequel
By Stephanie Zacharek
Frank Grillo Turns Leading Man in The Purge: Anarchy
By Carolina Del Busto
Richard Linklater Explains His Secret Movie Boyhood
By Amy Nicholson
Ravenous Is the Best-Ever Manifest Destiny...
By Simon Abrams
The Death of the Star Wars Universe
By Kevin Dilmore
By New Times
Smart Edge of Tomorrow Keeps Killing Tom Cruise
By Amy Nicholson
Those who would damn the R-rated comedy as more evidence of the coarsening of America miss the point of films such as Wedding Crashers and The 40-Year-Old Virgin, which are essentially chick flicks only masquerading as dick flicks. Both movies -- the former about two horndogs reluctantly settling down, the latter about a virgin reluctantly getting down -- bury within their vulgar exteriors mushy, conventional love stories. They use the word "fuck" as often as the word "the," but they can't help ditching the crudity for a four-letter word even the Family Media Guide would approve of: love (awwwwww).
R-rated comedies are a necessary evil, because they offer a more truthful version of their audience's everyday life; the 21-year-old is more likely to see himself (or herself, for that matter) reflected in the nasty, desperate shenanigans of Virgin than the beautiful, timeworn poetry of Pride & Prejudice. Someone you know is far more likely to go off on a rant about "cocks and ass and tits and butthole pleasures . . . and the Cincinnati bowties and the pussy juice cocktail and the shit-stained balls" than proclaim his love on bended knee by insisting: "I would have to tell you, you have bewitched me body and soul and I love and love and love you and never wish to be parted from you from this day forward."
Fact is, the R loses money by cutting its target audience by half, but sometimes that's a risk worth taking. Richard Linklater's PG-13 Bad News Bears remake was gutless and irrelevant because it wanted so badly to say something, to tread the same debauched but illuminating territory as Terry Zwigoff's crude classic Bad Santa, but felt emasculated and self-censored by its rating. There's a reason National Lampoon's Animal House, Stripes, Caddyshack, and even the first American Pie endure: We speak in R-rated language, think R-rated thoughts, and express R-rated feelings.
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mele said that she needs "java" in order to be able run a particular "speed-test".. she doesn't want to compromise.. (there are lots of "speed-tests" that don't require "java" )..personally, i try to lock down my computer, to make it secure, and part of doing that is not having "java" installed when i can live without it..
Curious as to how Chrome is vulnerable if it doesn't even allow java to run unless manually given permission
Good thing I am still using v6. :P
I have found that if Java is disabled by way of the Java console, then it does not work in Chrome. Chrome comes with its own version of Flash, but not Java, so far as I can see. If it did, then why would it not work when Java is disabled in the Java console? There are plugins for Java in Chrome, so it is possible to disable Java in Chrome without disabling Java completely or uninstalling Java. I did not want to uninstall Java so that is why I disabled it via the console as well as disabling the plugins.
Mele20 have you ever tweaked the RWIN and other TCP settings on your XP computer
typing with one hand...lot's of pain, stiffness suddenly in one hand around the thumb...typing aggravates greatly. icing now...that test is abbreviated version of MySpeed. gave me 2.34mbps down. too far away...150ms round trip...too high for good speed.
1 recommendation
quote:Attackers using two recently-uncovered Java unpatched vulnerabilities, or "zero-days," have quickly expanded their reach by going mainstream, security experts said today.And on Tuesday, Mozilla, maker of Firefox, joined the chorus of advice that users should disable the current version of Oracle's Java. The company is also ready to automatically block the plug-in from running in its browser, although it has not yet pulled the trigger.The exploit's breakout followed the addition of attack code to the notorious Blackhole exploit toolkit.
quote:Oracle was notified in April about the zero-day vulnerabilities being exploited now by attackers, researcher says.
2 recommendations
Firefox is my main browser. What is it that I should be disabling and Mozilla most likely will be doing? Is it the 2 Java plugins? Using latest version of java. I don't use IE but obviously it is installed as well for that. That should be disabled as well? At this rate. Maybe it is best to just uninstall Java completely until this is fixed?***EDIT***Java(TM) Platform is the one to disable according to link.
And before Oracle can release a patch for the new Java zero-day exploit that we wrote about earlier today, Blackhole waltzes onto the scene with an update of its own. So the exploit kit users can now avail of the latest BH, now with the new CVE-2012-4681 exploit.We wonder if this will actually spike Blackhole sales.The authors seem to be in such a hurry that they can't think of new names anymore (click the images for a larger view):
quote:Weve been closely monitoring the recent Java security vulnerability and evaluating different options to best protect our users. Our goal is to provide protection to Firefox users against this actively exploited vulnerability in Java while also leaving the user in control so they can choose to allow Java on important sites that they trust.We are still working out the implementation details, but our solution will accomplish two primary objectives:By default, vulnerable versions of Java will be disabled for our Firefox users. Users will be provided the option to enable Java through a clear and visible message that will be displayed anytime the user views a page using Java.Well provide additional updates when items are finalized. In the interim, we still advise users to disable the Java plugin as described below.Lastly, starting this week in Aurora and Beta well begin adding the components of click-to-play, a Firefox security control that helps protect users against outdated and vulnerable plugins. We anticipate this new security feature to be fully operational by Firefox 18.Original Post Aug 28, 2012Steps to disable the Java plugin can be found here:»support.mozilla.org/kb/How+to+tu ··· +applets


text:
These Headhunters Can Help You Find...
Five Questions to Guide the Process
If Only Predicting a New Drug's...
The Immunotherapy Challenge Is to Identify...
Sigma-Tau PharmaSource and Aradigm have entered into a broad manufacturing services agreement in which Sigma-Tau PharmaSource will provide Aradigm with clinical and commercial supplies of Pulmaquin®, Aradigm's formulation of inhaled ciprofloxacin for the treatment of severe respiratory diseases, including non-cystic fibrosis bronchiectasis.
Per the agreement, Sigma-Tau PharmaSource will manufacture all product for Aradigm's Phase III clinical studies and will support the company in the preparation of its submissions to regulatory authorities. Subsequent to market approval, Sigma-Tau PharmaSource will produce the product commercially for patients using Pulmaquin.
According to Aradigm, the firms have previously worked together on multiple programs, including the manufacturing of Aradigm's AERx® inhaler dosage forms and all Phase I and Phase II clinical supplies of Aradigm's inhaled ciprofloxacin formulations.
How would you describe the researchers response to the 2°C global temperature target?
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Minister for Panchayats and Social Welfare M.K. Muneer, on Friday, inaugurated a 'wave rider buoy' facility jointly introduced by the Centre for Earth Science Studies (CESS) and the Indian National Centre for Ocean Services (INCOIS) off the Kozhikode coast with a mission to step up the quick-warning mechanism.
The facility, introduced as part of the Ocean State Forecast System for North Kerala, will help fishermen and the coastal people to get immediate alerts on various hazards, including high wave activity, cyclones, tsunami, and storm surges.
It will also improve the weather forecasting facility in the coastal regions of North Kerala.


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Author Tim O'Brien
Journalist Miles O'Brien
Brian Boru, whom the surname is named after
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Actor and writer Richard O'Brien
William Smith O'Brien
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text: We have just returned from a weeks golfing break at this hotel. We cannot praise the hotel and its facilities enough. The staff worked tirelessly to ensure all our needs were met. The choice of food was excellent. and we did not feel the need to try the Al a carte restaurants for which there was an extra charge. There... More


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This is a *really* large blade. We find it hard to balance into the corner of the shower. My husband find that it doesn't work as well as other models that we've had before. I find that you really need to push into the handle for it to work at an acceptable level.
Not thoroughly impressed but it does the job. Mine leaves a mark about half way through the blade :(
I was really impressed with this product. The price is great and it keeps my shower doors so clean. No more water spots. I've been using it for 1 month and I love it!
This is so good, i'm going to buy one to do my windows in the spring...no streaks left behind. Great handle!!!! Super price...Would highly recommend it


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AVONDALE, Ariz. (AP) — Kevin Harvick had a nice send-off with Richard Childress Racing, winning his penultimate race with the team at Phoenix International Raceway.
Kevin Harvick wins second straight at Phoenix
Back at Phoenix four months later, he stamped his arrival at Stewart-Haas Racing by winning the second race with his new team — doing it on the same weekend he celebrated his 13th wedding anniversary, no less.
Yeah, Harvick kind of likes it here in the desert.
Disappointed at the Daytona 500 after a last-lap crash, Harvick bounced back quickly by charging to the front and dominating the rest of the way Sunday to win consecutive races at PIR with different teams.
"Man, this is awesome," Harvick said.
Harvick won the fall race after Carl Edwards ran out of fuel at the white flag.
He needed no help Sunday.
Harvick had the fastest car in practice and kept it rolling in the race, charging to the front after starting 13th and pretty much staying there. He led 224 of 312 laps on the odd-shaped mile oval and pulled away on several late restarts for his fifth NASCAR Sprint Cup victory at PIR, passing Jimmie Johnson for the most at the track.
Not bad for someone who's still trying to feel his way around with a new team and new crew chief Rodney Childers.
"It took long enough," SHR co-owner Gene Haas joked. "This phenomenal. I think there was a lot of skepticism last year about what myself and Tony (Stewart) what we were up to, was there a lot of madness to this. Quite frankly, it's a great team, there's a lot of synergy at the shop, people working together. I don't know what we did, but I think we put together a great organization."
Daytona 500 winner Dale Earnhardt Jr. finished second, pole sitter Brad Keselowski was third and Penske Racing teammate Joey Logano fourth.
Jeff Gordon rounded out the top five on a warm and partly cloudy day after downpours wiped out the final 32 laps of Saturday's Nationwide race, won by Kyle Busch
Harvick won at Phoenix during the Chase for the Sprint Cup championship in the fall, giving him an outside shot at catching Johnson for the series title in his final season with Richard Childress Racing. He came up short, but the victory and a third-place finish in the standings gave him a bit of momentum heading into for his first season with Stewart-Haas.
Harvick had a solid finish in his sights at Daytona last week before a last-lap crash dropped him to 13th.
Continue reading this story on the...


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As a core member of the Austin-based Conspirare, Nicole Lamartine has just received two Grammy Award nominations for the professional chorale ensemble's recent CD, "Threshold of Night." The nominations are for Best Classical Album and Best Choral Performance.
"I was so excited," said Lamartine during a telephone interview from Wyoming. "We are such a tight knit group and the second it came out I got an e-mail. It's such an honor."
The Alexander Girard collection at the Museum of International Folk Art in Santa Fe is not filled with glittery gems or shiny gold pieces that once belonged to royalty. No, this is a different type of collection.
Surveys have indicated that when looking for things to do, young people like to head over to a bowling alley and the Los Alamos Recreation Department is working to satisfy this interest.
From 9 p.m. - midnight Friday, the recreation staff is inviting ninth- through 12th-graders to the Strike Gold Bowling Center at the Cities of Gold Casino, located at 10 D Cities of Gold Road in Pojoaque. Tickets will be sold for $7 Friday at the Los Alamos High School and then for $10 at the door.
The holiday season does not always evenly distribute its fruits to everyone. Fortunately, there are people in Los Alamos who recognize this fact and take action.
Rae Douglas began the Christmas box program to collect items and food for people in Española Valley; partly as a result of her work and knowledge of people in the Valley, Los Alamos First United Methodist Church began its own Christmas box program 20 years ago.
Dance Arts Los Alamos just wrapped up its performances of "The Nutcracker," but this magical Christmas tale can still be experienced in Los Alamos.
The Los Alamos Community Winds will perform P.I. Tchaikovsky's suite from "The Nutcracker," at 2 p.m. Sunday at the Betty Ehart Senior Center.
The suite will feature seven to eight separate movements from the "The Nutcracker." These movements include the "Chinese Dance" and the "Arabian Dance."
It seems a common misconception that there is a limitation for what young people can do. Adults are known for saying "You're only a child," or "You're too young," as though the amount of capabilities only grow as a person's age increases. However, teenagers have a knack for proving this misconception wrong.
Jennifer Necker, a Piñon Elementary School fourth-grader, has made good on a promise that she would one day show a dog at the American Kennel Club National Championship Dog Show. Necker, a member of the Los Alamos Dog Obedience Club and the English Setter Association of America, will be showing an English Setter at the show in Long Beach, Calif., Saturday.
The New Mexico Dance Theater Performance Company (NMDT-PC), directed by Susan Baker-Dillingham, wishes to thank the Los Alamos community for its support during the recent NMDT-PC production of "The Wonderful Wizard of Oz."
Baker-Dillingham invited three other nonprofit organizations to work in artistic conjunction with three main characters from the ballet.
The Family Strengths Network is valuable in many ways, but this month, things will get even more significant with an event called, Special Saturdays. The program is for parents raising children with special needs, which can be either developmental or physical.
The Family Resource Center, located at 1990 Diamond Drive and operated by Family Strengths Network staff provides the opportunity for interaction courtesy of Los Alamos National Bank.
Rebecca Hollis of White Rock is thrilled to have the opportunity for her child that is stress free from the parent perspective.
Los Alamos Dance Arts' 2008 production of Tchaikovsky's "The Nutcracker" demonstrates why the ballet is a beloved part of every holiday season. DALA's version is the most ambitious and well-done amateur production of the traditional Nutcracker that you are likely to see this year.
Out damn spot!
An old theme with a hundred new meanings binds the Santa Fe Film Festival.
Three days into the five-day Santa Fe Film Festival, I got a handle on what the event was all about this year.
Not that 250 films, each little spark flying in a different direction, can be summed up easily without a trace of subjective wrangling, especially when one has only seen a small fraction of the work.
I didn't realize until later the obvious fact that a theme by definition would have to be there at the beginning and suffused throughout.
"A Mid Winter Night's Dream, or The Night They Missed the Forest for the Trees," by Nancy Linehan Charles, an abbreviated version of a familiar Shakespeare comedy, will be performed at 7 p.m. Friday and Saturday at Duane Smith Auditorium.
Admission is $5 for adults and $3 for children age 12 and younger and seniors age 60 and older. Tickets are available at the door and from cast members.
We look at a tough topic this week, Asset #31, Restraint. According to the Search-Institute, "Youth are more likely to grow up healthy when they believe it is important not to be sexually active or to use alcohol or other drugs."
The key to being successful in this area is conversation and education. When I sat on a local board looking at poor youth choices, I suggested that we get some kids to join us that were in trouble and not just high achievers. There were adults in the room that looked at me as if I were from another planet.
Last year, the First United Methodist Church's Mission and Outreach Work Group under the leadership of Dennis and Susan Trumblee recognized how much the community needs to let police officers and firefighters know how important they are and how much they are appreciated for what they do.
As a result, the first Appreciation Dinner was organized for them in December 2007. A meal was served to all the firefighters and police officers who were able to attend. The menu included salmon, steak, baked potatoes and salad. Each of them also took home fresh homemade cookies.
Dance Arts Los Alamos (DALA) is proud to present its 13th production of "The Nutcracker" as part of Los Alamos' Winterfest weekend. Based on the story, "The Nutcracker and the King of Mice" by E.T.A. Hoffman, and set to the beloved music by Piotr Ilyich Tchaikovsky, the ballet tells the story of Clara, her enigmatic Godfather Drosselmeyer and the magical nutcracker doll he brings her as a Christmas gift. "The Nutcracker" was first performed on Dec. 18, 1892 in St.
Nina Saunders, director of the Olions Thespian Club, is taking a back seat on this certain production. While Saunders watches, her students are taking over the stage and therefore, learning what it takes to run a show.
Los Alamos residents can see what the young thespians are capable of during the one act performances.
The show begins at 7 p.m. Friday at the Topper Theatre. The performances continue at 7 p.m. Saturday and Sunday as well as Dec. 12, and 13. There will be a matinee performance at 2 p.m. Sunday. Tickets cost $10 for adults and $5 for seniors.
My first memories of holiday tunes were the ones that my family would sing as the days approached Dec. 25. The four of us would be in the car and we would all belt out some song, or after the Christmas Eve dinner at my aunt and uncle's house, we would begin caroling around the table.
As I grew older, when December would roll around, my family would turn to the professionals. A Peter, Paul and Mary tape would constantly play in the car and my mother would often put Emmylou Harris' holiday CD or the Kingston Trio's Christmas CD on her CD player in the house.
Just because you grow up doesn't mean all the fun, mystery and magic in life has to cease and be locked away with childhood memories. There is always new adventures waiting to be experienced, and excitement lying within the day's events; all that is needed is a little faith.
"Finding Neverland" proves this point. James M. Barrie (Johnny Depp) is dealing with some adult blues. He is a playwright who has just had a flop and his marriage is failing.
As a feature of Barranca Elementary School's fifth and sixth grade GATE classes' global outreach, students learn about how some children in Cambodia do not have schools, or teachers and often not enough to eat.
In response, Barranca students are collaborating with Cambodia's Hope, a local charity supporting schools and orphans in Cambodia to help children on the other side of the globe by supporting the Alphabet Soup program where just 78 cents per day supports a child in school and gives them a nutritious meal.
At 5:30 p.m. Friday at Piñon Elementary School, students will be putting their skills in strategy and planning to the test. The competition is not in the form of an athletic game or speech debate, but takes place on a checkered board with knights, queens and pawns.
The Los Alamos area elementary chess tournament has been held three times throughout the year, and the final rounds for this year will be held Friday.
Copyright © 2015
The Los Alamos Monitor is your source for local news, sports, events, and information in Los Alamos County and Los Alamos, NM, and the surrounding area.


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My plan was to always stay with an independent ISP but now Bell says Fibe TV will be available here in the next few months. This is a dilemma for me. If I can get Fibe TV and keep my TSI internet that would be perfect. I'm a little tired of the satellite.
Well lets hope the rates are gonna be significantly lower... Otherwise Bell/Rogers and the rest of the cartel are gonna suck a lot of users back into their camp with those unlimited "deals".
[GULP] Do business with Bell? Like, actually get a bill from them?The lyin-est cheatin'est stealin-est company on the planet this side of the Pecos ? Mike
I still have home phone and satellite with them [BH#$ELL].
The last few had been out at 11 so I don't know but Monday is an unlikely day for releases.
and most importantly.. no decision today!
there could even be a lockup for this one... in which case I'd be heading to Ottawa.
Sorry... but.... is this the same CRTC we're talking about here?
I don't mean to be the eternal pessimist here, but if history serves, the CBB rates will either remain unchanged or be raised. The incumbents began offering unlimited because they've been circling like buzzards for the last 2-3 years, now they're coming in for their pound of flesh, starting with the eyeballs.


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i have an app that is using local notifications, and its working all fine, it is generating notifications very well, now i want to turn it off from settings but its not been listed under settings -> notifications any idea?
Take the 2-minute tour ×
Stack Overflow is a question and answer site for professional and enthusiast programmers. It's 100% free, no registration required.
You can design your own Settings.bundle and you application settings will appear in Settings -> Applications -> Your app And in your application you can change this setting and handle it in your app to stop generating local notifications.
Only push notification are in the settings screen. You have to do this from within you own app.


text:
You may have noticed things look a little different around here - we've switched to a new platform (XenForo) and have some new forum styles and features. This how-to guide will help you find your way around. If you find anything that looks strange, post it in this thread.
Windows XP SP3 Realtek Audio fix HERE!
Discussion in 'Windows OS and Software' started by swoley2k, Dec 14, 2007.
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Has anyone seen any mitsuba around montreal? Quebec wild chervil is almost equivalent and I remember seeing it somewhere but forget where. Any ideas? Thx.
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Don't miss this exclusive deleted scene between Dr. Roman and Dr. Cooper from Nurse Jackie, Season 6. We are all anxiously anticipating Season 7's premiere airing Sunday, April 12th at 9 pm ET/8 pm CT on Showtime.
Tag Archives: Dr. Cooper
Coop's Last Day At All Saints
As Peter posted on his Twitter account, @PeterFacinelli, "My last day on Nurse Jackie yesterday, thanks for all the memories and thanks to the great fans" Below is the video that he posted along with his tweet. We will miss Coop and his antics at All Saints.
Nurse Jackie Season 6 Sneak Peek
Catch Entertainment Weekly's exclusive sneak peek of Nurse Jackie Season 6 which premieres on April 13th at 9 pm on Showtime! It is going to be an intense and dramatic season for Jackie and her fellow cast mates including Dr. Cooper. You won't want to miss a minute of the excitement each week. Enjoy the video below and the article on Entertainment Weekly's website.


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Evelyn Grace Jones, age 82 of Monticello, passed away on Saturday, February 7, 2015, at Centra Care Health of Monticello. Visitation will be Wednesday, February 11, 2015, from 5-7 p.m. at Trinity Lutheran Church, 449 West Broadway, Monticello. The funeral service will follow at 7 p.m. with Rev. Sher...Read More
Grace Ellen Bovee, 74, Monticello, Minnesota, passed away peacefully after a courageous battle with cancer Tuesday, February 3, 2015, in her home surrounded by family. Memorial and funeral services will be held in both Monticello and Bemidji. In Monticello, a memorial service will be held at Resurre...Read More
Kristy D. Wilson-Quaal, 60 of Monticello, MN passed away after a very courageous battle with cancer at Lake Ridge Manor Oasis in Buffalo, MN on Jan. 30, 2015. Funeral service on Wednesday, Feb. 4, 2015 at 11 a.m. at Buffalo Covenant Church, 1601 Hwy 25 North, Buffalo, MN. Visitation on Tuesday from ...Read More
Sophie DeBoer, age 86, of Monticello died Friday, January 30, 2015 at Lake Ridge Care Center in Buffalo. Funeral Services held 11:30 a.m. Monday, February 2, 2015 at Silver Creek Community Church, Silver Creek Township, with Pastor Luke Baehr officiaing. Visitation one hour prior to the service at t...Read More
Lawrence "Babe" Clausen, age 88 of Monticello, MN passed away surrounded by his loving family on Jan. 24, 2015. Memorial Mass of Christian Burial on Thursday, Jan. 29, 2015 at 2 p.m. at St. Benedict's Chapel, 1301 East 7th St., Monticello. Visitation two hours prior to service at t...Read More


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Buy houses in Albion Road, Edinburgh EH7 - 1 bedroom
Offers in region of £160,000
Leith Walk, Edinburgh EH6Property for sale - 1 bedrooms
Large traditional top floor flat (Flat 9) in excellent order throughout. Forming part of a well maintained building with secure entry system and occupying pleasant position close to superb amenities and facilities. Many lovely features including ... More details
Note: Distances are straight line measurements
- Edinburgh (0.9 miles)
- Haymarket (2.0 miles)
Marketed by Lints Property - Campbell Smith, EH7. Call 0131 268 0598


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Aston Villa Motel
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... all very closely related to each other.
The students in one of my classes were terrible, so I gave them marks they deserved. This didn't go unnoticed and before long, they were making things up about me to the principal. One of my students even apologized to me, saying she did it because she was mad at me for having some of her participation marks taken away.
I would mutter things under my breath like "This school can build a ...
Niagara Falls
... as the Canadian Niagara boats are called while others went to the 'Behind the Falls' experience, where you can walk through a tunnel to come out next to the falls as they thunder down around you. Cilla and I wanted the boat experience so waited in line with our red ponchos blowing in the breeze. We saw Maid of the Mist on the American side of the river and thought of Mum and her family doing a similar thing a few years back. Probably loads more people and infrastructure now, ...
Meeting Rob Ford at Niagara Falls Outlet Mall
... attendant. Assumed doing mandatory community service for over one of his mishaps. Rolled down the window to ask him how to get out of the lot; in an uncanny Rob Ford obnoxious fashion he said there is no exit till 1800 hours follwed by silence. Apparently a joke. Meeting a Rob Ford doppleganger was an apt way to say farewell to Toronto we ...
Road Trip (Day 6) lazy day in Niagra Falls
... nutela topping). Initially they were delicious, however they were very deceiving. Mine had maple syrup that I wasn't expecting, and michael's was just a huge combination of sugar. By the time we finished them we both felt rather sickly! There's not much to the town of Niagra Falls. It's a lot like a ski resort in that the whole area centres around the falls. We have arrived in the "off" season, so most of the town has shut ...
Another exciting day at Niagara falls
... B12 for his stress levels. Richard had a round about trip of the carpark before Jill put us back on the Hwy I wanted to go right at McLeod St to Portage which is less stressful to Pat's Country Home.
BBQ all the chicken legs had a lovely dinner of the chicken legs, rice and veggies with pineapple and yoghurt. Did a bit more of the blog, emailed Ben Prince to do downloads and clean up my laptop then had an early ...


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DSL and telephones....help please.
I recently got DSL for my home. I have several wireless telephones in my house (not cell phones, wireless phones). This is a set of Uniden DCX640 Expandable Hand Sets.
The main base has an answering machine on it, and thoug the main base still works as far as a phone, the answering machine no longer kicks in and picks up the call.
Also, some of the hand sets have no dial tone.
I have plugged the phones into the DSL filters given to my by the DSL company, but it seems that only a few of my phones still work. Once I plugged in the DSL, the others have no dial tone and the answering machine will not pick up.
What could be the issue?
Any ideas?
Thank you for any help,
How many of the phones and devices are connected to the line? All of them? You may have too many devices on the circuit. Every device pulls a bit of current from the line. If too much current is being pulled, too many devices, some of them may not get enough current to work, won't ring or get a dial tone. If it all worked before DSL, could be the DSL filters themselves are pulling enough current to make the difference between the phones working and not.
I have a 4 phone system. We first had a system with 2 phones on it. Then we bought a system with an answering machine so we now have the answering machine base telephone plugged into the wall, and the other 3 phones work off of it wirelessly.


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OP Senior Member
Ensenada, Baja California
Thanks Meter: 243
355 posts
Join Date:Joined: Mar 2012Donate to Me
Yes, I tried font changer and I don't have enough experience to make a flipfont with the fonts I want. (I'm learning)
I replaced all roboto fonts with helvetica ones, and I renamed their to original roboto ones.
Afther this, when I trying to make a note on S-Note, it just crashes.
It happens too with the following apps/ports:
- Flash Annotate
- Scrapbook
- Action Memo (or whatever the name it is)
I read in the forums that is framework related. How can I edit values to make my apps work again?
I'm back to the original Roboto fonts and the apps are working again.
Any way to get rid of my problem and change fonts without crashing my apps?
Please, and if it's possible, I don't want to install any font changer, it just doesn't work for me the way I want it.


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The Vegetarian House is a gold mine for vegetarians and their meat-eating friends as well. Many of the Chinese dishes are made with faux-meat alternatives ranging from "steak" to "squid". Check out the tasty daily lunch buffet for a sampling of their offerings.
Price: $$
Payment Type: Discover, Amex, Visa/MC
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Lucy Jean Campbell, the infant daughter of Rachel J. Campbell and Bryan A. Gambrel passed away Sunday, March 3, 2013 at Fairfield Medical Center, Lancaster.
In addition to her parents, Lucy is survived by her sister, Maddison Gambrel; maternal grandparents, John and Sally Campbell of Murray City; paternal grandparents, Karen and Bob Allbery of Nelsonville and Robert and Sherry McCulloch of Athens; great grandparents, David and Shirley Call of Nelsonville and John and Judy Campbell of Murray City; aunts, Rebecca Campbell of Murray City and Ashlee Allbery of Nelsonville.
A graveside service will be held at 1:00 PM, Thursday, March 7, 2013 at Carbon Hill Cemetery with Pastor David Shoemaker officiating. Arrangements are by Souers-Cardaras Funeral Home, 46 Fayette St., Nelsonville.
Please sign her online guestbook at www.cardaras.com


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Undergraduate Course Catalog 2014-2015
University of New Hampshire at Manchester
» http://www.manchester.unh.eduHistory Minor
To earn a minor in history, students must complete 20 credits with no individual grade lower than C- and a 2.00 average in minor courses. Students may take any five history courses (HIST), two of which must be 500 level or above.
For more information, contact John Cerullo, minor supervisor, at (603) 641-4109.


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November 22, 2010
| Photo Gallery
Get back to your inner child with this month's fall polish preview. Not just for little girls, our paper dolls make dressing up your clients' nails as easy as child's play -- now snip to it!
October 5, 2010
| Photo Gallery
Gels continued their recent boom at Cosmoprof North America. There were more soak-off gels, more colored gels, and at least 10 companies showcasing the hottest trend right now — brush-on gel polish lines.
October 1, 2010
| Article
As fashion designers experiment with different textures on the runway, nail polish manufacturers keep up with an array of stylish nail polish finish offerings — from the traditional cream to the edgy suede. One nail tech shares her expertise to help you sort through all of the jargon and match the appropriate client to the appropriate finish.
Guests didn't need to be dealt a good hand to keep their tips looking polished at the star-studded poker tournament Playing for Good at the home of Hank Azaria, because "The Simpsons" star's backyard was transformed into a tranquil outdoor spa with mini-manicures provided by SpaRitual.
September 3, 2010
| News
Neutral beiges mixed with a hint of purple are the hot new hybrid in InStyle's Colors of the Moment feature. Try SpaRitual's nail color in Living in the Moment to get in on the dreamy-hued trend.
September 1, 2010
| Product
SpaRitual's Look Inside Scrub Masque features Frankincense essential oil to recharge the spirit. A scrub and a mask in one, it's formulated with 77% certified organic ingredients to effectively exfoliate and refine the skin for a more streamlined manicure, pedicure, or body treatment.
September 1, 2010
| Demo
My'Amour Salon & Spa explains how to do a fun Cookies & Cream manicure for clients.
July 21, 2010
| Product
Find your soul mate with SpaRitual's Sole Mate Hydrating Foot Balm. Made with 71% certified organic ingredients, the balm works to deeply repair, soothe, revitalize, and protect dry, tired feet.
July 1, 2010
| Article
Gray-beige polishes — also known as the "greige," "taupe," or "putty" trend — are showing up all over runways and adorning celebrities' nails. Get the look in your salon this summer with these professional shades.
June 29, 2010
| Product
SpaRitual's new Cuti-Cocktail Pen and Pusher offers a soothing cuticle treatment while also having a hard pusher for cleaning the nail plate.
June 25, 2010
| News
InStyle magazine rounded up five seasonal fashion trends and found polishes to match.
May 11, 2010
| Product
SpaRitual's Believe Spring 2010 Collection has a unique charm with an inspiring mantra engraved into it for each nail lacquer.
May 5, 2010
| News
For the InStyle Hair cover shoot, manicurist Ashlie Johnson used Spa Ritual lacquer in Epiphany on Amanda Seyfried's nails.
May 3, 2010
| Photo Gallery
From January 30 through February 1, 40,000 beauty professionals attended ISSE, up 21% from 2009 and breaking the show's all-time attendance records. The show featured 397 exhibitors, which is up 3% from 2009.
May 3, 2010
| News
Among Glamour's giveaways for the summer are 15 gift sets of $157 worth of SpaRitual products, including polish, body wash, and creams.
Every Hand Pose Ever for Nail Art Photos51 photos
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A cleaner that works in hard water; when used properly, chelating surfactants act like "microscopic scrub brushes" and remove biofilm...
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In an open discussion on our Facebook and Google+ pages, we asked our readers what they wanted most from Apple during its special event yesterday. Here's what they said:
1) iPad mini with Retina Display
The No.1 response we received was that our readers yearned for an iPad mini with a Retina display. Apple must have been listening, considering the company announced not only a mini with Retina display but also an A7 processor with 64-bit architecture.


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Facebook Fallout, Facts and Frenzy 160
from the to-friend-or-not-to-friend 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).
This should never have made it through the ethics board.
Ah, but Facebook isn't a university
So, either they went to the scientists and said "hey, we want to find something out", or the scientists went to Facebook and said "hey, we could do an awesome experiment on your users".
Either way, Sandberg sounds like an unapolagetic smug idiot who more or less said "they're our users, we do this shit all the time".
The people who run Facebook are assholes, and don't give a crap about anything more than how they can maximize ad revenue. And Zuckerfuck is a complete hypocrite about privacy -- his users get none, and he jealously guards his own.
Except that the purpose of this experiment was to play with emotions of their users. And upset was one of the expected results.
Worse: The study has military sponsorship [scgnews.com], part of ongoing experiments how to manipulate/prevent/encourage spread of ideas (like voting for an unapproved political parties or mute general discontent):
"research was connected to a Department of Defense project called the Minerva Initiative, which funds universities to model the dynamics, risks and tipping points for large-scale civil unrest across the world."
The end game explain in this very long but very insightful analysis: America's Real Foreign Policy – A Corporate Protection Racket [tomdispatch.com].
Be sociable. Speak to the person next to you in the unemployment line tomorrow.


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We get it. Sometimes bad things happen. Life is tough. Sometimes you have to take drastic measures to keep yourself from falling down. Some girls write bad checks. Some girls suck white cock to avoid having to pay for those bad checks. Sometimes, when we're very lucky, we can catch it on tape. A blowjob for a refrigerator? A better deal than anyone's ever cut me. This girl would be well advised to stop complaining and take her perfect tits cocksucking talent to the bank.
27:52 131 days ago 575 views


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This PSP Is Black And White And Final Fantasy All Over
Dissidia 012 [duodecim] Final Fantasy may have the stupidest name of all Final Fantasies, but it also has one of the prettiest custom PSP consoles to go along with it. »
Dissidia 012 [duodecim] Final Fantasy may have the stupidest name of all Final Fantasies, but it also has one of the prettiest custom PSP consoles to go along with it. » 1/06/11 2:00am 1/06/11 2:00am
Square Enix's next Final Fantasy fighting game for the PSP will, at the very least, have some very handsome cinematics stuffed onto a UMD, as proven by the latest Japanese trailer for Dissidia 012 [duodecim] Final Fantasy. » 12/28/10 5:40pm 12/28/10 5:40pm
Some people forget that Final Fantasy VIII had a second main character to complement Squall Leonhart. Square Enix reminds them by adding Laguna Loire to the fighting roster of Dissidia 012[Duodecim]. » 12/08/10 12:00pm 12/08/10 12:00pm
Character art. Screen shot galores. Pre-rendered scenes. If you were feeling wistful about Final Fantasy fighting game Dissidia 012[Duodeicm], fret not. You can see a lot of the 2011 PSP game, with new images from the house of Final Fantasy, Square-Enix. » 10/27/10 4:00pm 10/27/10 4:00pm
Another fighter joins the Final Fantasy battle royale, as VII's femme fatale Tifa prepares to take on all-comers in Dissidia 012[Duodecim]. » 10/19/10 12:40pm 10/19/10 12:40pm
Let's start with the name: Dissidia 012[Duodecim]. You don't say the "12. "That's the first thing I recently learned about the new Final Fantasy fighting game. » 10/15/10 1:40pm 10/15/10 1:40pm
After showing off the Lightning-infused new title at the Tokyo Game Show last week, Square Enix confirms a North American PSP release for Dissidia 012[duodecim] Final Fantasy. And we thought 358/2 Days was bad. » 9/21/10 12:40pm 9/21/10 12:40pm


text: What I imagine driving a Miata is like 7 Jake, Pilot of the MurdersofaProfileFollowUnfollow Jake, Pilot of the Murdersofa 9/03/14 3:56pm 9/03/14 3:56pmEditDelete InviteInvite manuallyPromoteXDismissXUndismissBlock for oppositelockHideShare to KinjaShare to FacebookShare to PinterestShare to TwitterGo to permalink I have never driven one. I need to change that. 7 17Reply 17Discuss


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AptoVision announces licensable technology for audio-video extension over fiber-optic cabling
Saint-Laurent, Quebec, Canada â June 6th, 2012 â AptoVision, a Montreal-based technology company, today announced its BlueRiver⢠100 technology. Available as licensable IP with reference designs for turnkey manufacturing, the BlueRiver 100 enables a plug & play, point-to-point, fiber-optic extender or link for extending hi-definition video, audio, IR, Ethernet and RS-232 signals over standard fiber-optic cabling.
Incorporating AptoVisionâs BlueRiver Engine, ACR and Channel Coder technology, the BlueRiver 100 delivers world class performance and reliability using off-the-shelf, inexpensive components. The resulting bill of materials (BOM) is a fraction of the cost of products using custom fiber-optic transceivers typically used for AV extension. AptoVisionâs unique licensing model and reliance on off-the-shelf components allows customers to maintain full control over manufacturing, production quality and supply chain. A compatible data I/O interface with HDBaseTâ¢/Valens⢠architectures allows ease of integration into existing Cat-x product designs to enable fiber support with minimum effort.
AptoVision technology is available to OEMs of signal distribution equipment allowing them to manufacture directly from AptoVisionâs reference designs or for integration into their own signal distribution products such as AV transmitters, receivers, distribution amplifiers and matrix routers.
BlueRiver Engine: AptoVisionâs proprietary AV signal distribution and processing engine implemented on an FPGA for cost effective fiber-optic transmission.
Adaptive Clock Resynchronization (ACR) Technology: Unique technology that allows synchronous, zero-frame latency transmission of video over low-cost, off-the-shelf networking optics.
BlueRiver Channel Coder: A highly efficient channel coder that combines and streams multiple signal types onto a single fiber-optic channel.
About AptoVision
Based out of Montreal, Canada, AptoVision is a privately held corporation focused on delivering licensable technologies for current and next generation Audio-Video (AV) signal processing and distribution systems. AptoVisionâs BlueRiver⢠engine aims to redefine AV signal processing and distribution by delivering a unified architecture which is capable of meeting todayâs requirements at never-before-seen costs while being scalable to meet performance, functionality and bandwidth requirements of the future. (www.aptovision.com)
AptoVision, BlueRiver are trademarks of AptoVision. All other products and company names herein may be trademarks of their registered owners.
Contact: Kamran Ahmed
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Come to the Winter Conference to get the latest updates on Avian Influenza in Backyard Poultry.
See Dr. Madigan rescue this cow who had fallen into mine shaft.
2015 Winter Conference
Date: March 28-29, 2015
Time: 8:00 am - 5:00 pm both days
Location: Gladys Valley Hall, UC Davis Campus
CE Credit: up to 16 hours available
Webinar: available. If you have never attended an Adobe Connect webinar test your connection. The webinar is only available live, and it will not be recorded. Webinar attendees will receive full CE credit since it is live and interactive.
Register: Advance registration is now closed, however, you can still register on site at the event.
- Dr. Boaz Arzi
- Dr. Melissa Bain
- Dr. Adrienne Bautista
- Dr. Richard Blatchford
- Dr. Angela Borchers
- Dr. Jonathan Dear
- Dr. Ann Della Maggiore
- Dr. Dan Famini
- Dr. Ed Fritz
- Dr. Rodrigo Gallardo
- Dr. Guillaume Hoareau
- Dr. Kate Hopper
- Dr. Kate Hurley
- Dr. Karl Jandrey
- Dr. Barry Kellogg
- Dr. Robert Kimsey
- Dr. Barry Kipperman
- Dr. Amir Kol
- Dr. Mary Beth Leininger
- Dr. John Madigan
- Dr. Asli Mete
- Dr. Carrie Palm
- Dr. Birgit Puschner
- Dr. Carlos Rodriguez
- Dr. H.L. Shivaprasad
- Dr. Mathieu Spriet
- Dr. Lisa Tell
- Dr. Rachel Toaff-Rosenstein
- Dr. Polina Vishkautsan
- Dr. Lance Visser
- Beth Wictum