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Posts filed under 'Advocacy'
Return of the Walking Dead
New York Attorney General Eric T. Schneiderman used a recent appearance before the New York State Association of Towns to announce that he would soon be introducing new and improved legislation aimed at making lenders more responsible for abandoned property that has not been foreclosed upon. Under this version, fines levied against lenders for non-compliance with property maintenance requirements will be given to local governments "to hire additional code enforcement officers." According to the press release, independent Democratic conference leader Jeffrey Klein and Assemblywoman Helene Weinstein will be sponsoring the legislation.
First, a caveat. The views I express on legislation in this blog are mine and mine alone and do not necessarily reflect the views of the Association as a whole. There's a second caveat. I understand why AG Schneiderman and the town leaders are so concerned about vacant property. According to the AG, in some areas of the State up to 42% of the properties in foreclosures are abandoned before the process is complete. The result is that property lays vacant and deteriorates as homeowners walk away from their responsibility to care for their homes and lenders are less than enthusiastic about assuming the legal responsibility for a deteriorating piece of real estate.
Schneiderman's bill seeks to address this problem by imposing requirements on mortgagees and servicers. Specifically, Section 1307 of NY's Real Property Actions and Proceedings Law currently imposes maintenance obligations on a plaintiff in a foreclosure action who obtains a judgment of foreclosure. The most important thing this bill will do is impose maintenance obligations on lenders and servicers whenever property is vacant and abandoned or a foreclosure action has been commenced. Among other things, vacant and abandoned property can be any property that is at least three months delinquent and vacant or the mortgagor has informed the mortgagee in writing that they no longer intend to occupy the property. Assuming your typical delinquent homeowner won't be quite so conscientious, property can also be classified as vacant where there is "a reasonable belief that the property is not occupied."
What frustrates me about proposals like this is that they refuse to address the core reasons behind zombie property in the first place. New York has one of the most difficult and time consuming foreclosure processes in the nation. It's not uncommon for lenders to take four years to complete a foreclosure. Rather than imposing obligations on lenders with regard to property they don't own, why not simply expedite the foreclosure process?
For example, we should use this legislation's definition of vacant and abandoned property as a basis for allowing foreclosures to go through without many of the procedural hurdles that are currently in place including the requirement under New York Law for pre-foreclosure settlement conferences. In addition, any party that fails to show up in a foreclosure proceeding should be understood as having waived any and all defenses to the foreclosure.
Ironically, many of the towns supportive of this legislation are well aware of what a disaster a foreclosure in New York can be. Under New York Law, municipalities have a first-lien right to foreclose on property on which delinquent taxes are owed. It seems to me somewhat disingenuous to complain about lenders not taking responsibility for real estate they don't own when municipalities could, in many instances, take control of the same property but choose not to. I wonder why?
And one more thought. It's one thing for a lender who has taken over foreclosed property to be responsible for proper maintenance. It is another thing to impose on that lender the obligation to refurbish property that may not have been up to code for years before the lender entered repossession. Under this bill, municipalities would have the right to intervene in foreclosure actions to mandate that property be maintained up to code. Let's think about this for a second. The GSEs have already complained that New York mortgages are not as valuable as in other parts of the country because of foreclosure costs. Now we are going to make the system even more expensive by allowing municipalities to impose a back door maintenance tax on mortgagees.
Finally, I personally would love to know how much of the stock of zombie property not only in New York but nationwide is owned by Fannie and Freddie. My guess is that we might find that these government sponsored entities are not particularly conscientious absentee landlords.
Preparing for the Worst, Hoping for the Best
Maybe it's because the desolate Albany landscape with its frozen mounds of exhaust-tinged snow and sub-zero temperatures makes me feel like I'm inhabiting a post-apocalyptic world, but a couple of days ago I got around to reading the FFEIC's new appendix to its examination handbook dedicated to disaster preparedness entitled Strengthening the Resilience of Outsourced Technology Services. In all seriousness, it is a must-read for any credit union that has to have a business continuity plan (BCP) and contracts with third parties for services that should be integrated into this business plan. I bet that is almost every credit union.
Regulators have long emphasized the need for appropriate due diligence when entering into third-party relationships. In addition, Business Continuity Planning has been a major point of regulator emphasis since 9-11; not to mention that "once in a century storms" seem to be coming every other year. This new appendix zeros in on the importance to financial institutions of insuring that appropriate vendor services are integrated into BCP plans and testing. As the regulators commented in releasing the appendix, "a financial institution should ensure that its third-party service providers do not negatively affect its ability to appropriately recover IT systems and return critical functions to normal operations in a timely manner."
The appendix highlights four key points of emphasis for examiners assessing third-party relationships.
(1) Third-party management addresses a financial institution management's responsibility to control the business continuity risks associated with its third-party service providers (TSPs) and their subcontractors.
(2) Third-party capacity addresses the potential impact of a significant disruption on a third-party servicer's ability to restore services to multiple clients.
(3) Testing with third-party TSPs addresses the importance of validating business continuity plans with TSPs and considerations for a robust third-party testing program.
(4) Cyber resilience covers aspects of BCP unique to disruptions caused by cyber events.
I don't want anyone to break into a cold sweat thinking that a new compliance requirement is necessarily being imposed on them. If you don't outsource core operational functions to third parties this appendix shouldn't concern you much. But if your credit union can't operate effectively unless a vendor is also on the job, then you have an obligation to work with that vendor and make sure that it has a Business Continuity Plan that is compatible with your own.
Think about it: if your vendor backs up all your account information at a facility down the block from your credit union, your BCP plan has some serious holes.
Don't Fire Until You See the Whites of Their Eyes
Yesterday, the CU Times reported that Sen. Richard Shelby (R-Ala.), chairman of the Senate Banking, House and Urban Affairs Committee, would not rule out doing away with the credit union tax exemption as part of an overhaul of the tax code.
Shelby's equivocation on the tax exemption underscores that tax reform poses dangers for credit unions, but his stance should hardly surprise anyone, nor should it send us scrambling to the ramparts as if the industry is in imminent danger. The fact is that in any push to overhaul the tax code a prominent veteran lawmaker like Shelby isn't going to take anything off the table. There is a lot of negotiating to be done, if and when we ever get to a tax reform end game.
Should the industry be vigilant? Absolutely. But, in my ever so humble opinion (and I stress only my opinion), in recent years the industry has overreacted to the threat of tax reform with the result that it has not pushed aggressively enough for other parts of its agenda. There may come a time when we need to activate the grassroots in a major push to save the exemption, but that time is not here yet. In the meantime, let's not let the bankers sideline our agenda every time they advocate for ending the exemption or draw too many conclusions every time a legislator gives less than 100 percent support for the industry.
Good News: You're Small
In Congressional testimony yesterday, NCUA's Larry Fazio announced that the agency would propose regulations providing regulatory relief to credit unions with less than $100 million in assets. Specifically, NCUA will be changing the definition of what constitutes a small entity credit union from one with $50 million in assets to one with less than $100 million in assets. Federal law gives NCUA the responsibility to consider the impact that proposed regulations have on smaller credit unions and to exempt such institutions from regulatory mandates when appropriate.
In January of 2013, NCUA amended the definition of the small entity from those with less than $10 million to those with less than $50 million in assets. At the time, NCUA estimated that this change meant that 67.8% of federally insured credit unions were designated as "small entities." If NCUA follows through with its latest proposal, Fazio estimated that 77% of all credit unions would be eligible for enhanced regulatory relief.
Credit unions have already gotten a preview of how important such a shift could be with NCUA's announcement that it is proposing to increase the threshold for Risk-Based Capital compliance from $50 to $100 million. In addition, credit unions with less than $50 million in assets were exempted from enhanced interest-rate risk policies. Going forward we won't know for sure precisely what regulatory relief credit unions will entitled to until the regulation is finalized. At the very least, credit unions with less than $100 million in assets will be eligible for increased assistance from NCUA's Office of Small Credit Union Initiatives and a framework has now been put in place to extend regulatory relief to a large majority of credit unions.
Now, don't get me wrong. I think NCUA's proposal is a great idea; but, the more the industry codifies distinctions between big and small credit unions, the more challenging it becomes to ensure that fundamental baseline distinctions between all credit unions and banks remain intact. You can bet a bank lobbyist will soon be arguing that if large credit unions are so different than small ones, why shouldn't they be taxed. In addition, while regulatory relief is a welcome and important step by the NCUA, it will likely do little to halt the long term consolidation of the industry or the fact that those with $500 million or more in assets are the ones driving its aggregate growth.
As a result, I would like to see the industry couple the NCUA's push for regulatory relief with an emphasis on recruiting the next generation of executives. I see a tremendous amount of enthusiasm displayed by people in their twenties and early thirties. I also see a fair number of people in their late fifties and early sixties nearing retirement. Mergers and consolidations are inevitable, but let's make sure that credit unions don't dissolve or merge because of a lack of potential leadership.
On that note, enjoy your day.
Loosening the small business lending faucet
It was inevitable that I would be delayed heading back to Albany yesterday; after all how could Amtrak possibly be expected to anticipate and prepare for a Northeast snow storm ?
So As I waited and waited…and waited in Pen Station for a train to come to take me back to Albany I had plenty of time to think about life's big questions like: Is the Russian train system crippled by snow storms? Why in God's name do you call for a pass one yard from the end zone when you have the best short yardage running back in football? And when exactly does the Sports illustrated swimsuit issue come out?
Another question I pondered was why Congress doesn't do all it can to help the small businesses it professes to love so much? There has been ample evidence over the last six years that banks have made it more difficult for small businesses to get loans even though quantitative easing made cheap money available by the truckload.
The latest evidence that banks remain gun-shy, albeit slightly more willing to invest in main street comes from the Federally Reserve's quarterly survey of senior loan officers released yesterday. In the quarter ending in October lending terms to small businesses (Defined as businesses with less than $50 million in assets,) remained unchanged at 91% of banks and "eased somewhat" at a little more than 7% of institutions. The numbers are slightly better at smaller banks but nine out of 10 loan officers at these institutions reported that lending terms are holding steady.
Now I'm not out to criticize the banks. They are understandably still a little reluctant to lower commercial standards until they know that the economy is on a consistently upwards trajectory. My point is that this survey is yet one more example of how small businesses need all the loan options they can get. There are Credit unions that would love to provide loans but are hampered by having to manage an arbitrary MBL cap. Hopefully Congress will recognize the value of raising the MBL cap, its good for local business and its mandate relief that doesn't cost the taxpayer a dime,
Here is a link to the survey which also provides a snapshot of mortgage underwriting standards.
Student Loan Guidance
Since I took yesterday off I didn't get a chance to tell you about a joint guidance to financial institutions giving banks and credit unions a cautious green light to offer graduated repayment terms on private student loans. As the Guidance explains:
" Financial institutions that originate private student loans may offer borrowers graduated repayment terms in addition to fixed amortizing terms at the time of loan origination. Graduated repayment terms are structured to provide for lower initial monthly payments that gradually increase."
With student debt now exceeding $1 trillion even as the job market for graduates remains bleak and wages continue to stagnate I suppose any regulatory recognition that greater loan flexibility/creativity is called for when it comes to financing college but let's not let the colleges and universities off the hook. At some point tuition increases have to be brought under control or no amount of creative financing is going to keep college affordable for all but the wealthiest of families.
Here is the Guidance
Here is a Newton like realization had waiting for my train to come: Your electronic ticket is only as good as your smartphone's battery life.
Have a good day.
RBC 2 Reality Check
The son of a good friend of mine just got braces. He's been complaining about it for the last week, which is understandable since the contraption will inhabit his mouth for the next 18 months. But a couple of days ago my friend told him the pity party is over, it is time to move on.
NCUA's second risk-based capital proposal (RBC 2) has been out a little more than a week now and it is time for the industry to have a reality check. Over the past week, I've heard questions raised about the legality of the proposal, criticisms of the amount of money it's going to cost credit unions to comply, and questions raised about why we even need RBC reform in the first place. It's time for the industry to get serious though. There will be risk-based capital reform and rather than get mired down in the weeds of legal analysis or generic gripes about the cost of implementing this proposal, the industry's time could be better spent coming up with constructive improvements to NCUA's regulation which will, whether you like it or not, provide a framework for a more sophisticated RBC framework.
First, there is the legal argument. We have both a current and former member of the NCUA Board questioning the legality of NCUA's decision to impose requirements for credit unions with $100 million or more in assets to be well-capitalized as opposed to just establishing requirements for complex credit unions to be adequately capitalized. As readers of this blog will know, I love to delve into questions about regulatory authority. But before anyone in the industry rushes out to start a lawsuit, let's keep in mind that long before NCUA came out with its original RBC recommendation, the industry had been begging NCUA to establish an RBC framework. Rather than roll the dice on a lawsuit that credit unions could very well lose, the industry should be continuing to develop a truly workable and beneficial RBC framework.
And let's not forget that credit unions have already accomplished a great deal in the area of RBC reform. Since the second proposal is understandably more complex, it's too early to make definitive judgments as to just how much better it is than the original. However, the more and more I look at RBC 2, the more and more I realize that this is one of the rare situations where the sequel beats the original. (Anyone who tells me that Godfather 2 is better than the original is a philistine: case closed.) For example, one of the things I underestimated in initially commenting on NCUA's plan was the extent to which adjustments to risk weightings helped even those credit unions with concentration risk concerns. Most importantly, by creating a category of commercial loans and collapsing concentration tiers, there are many credit unions that were literally devastated under the original proposal that will be able to continue to specialize in member business loans. This is particularly true since these credit unions will have three years as opposed to eighteen months to phase in new capital requirements.
Does this mean that the proposal is perfect? Of course not. During a webinar the other day, one caller suggested that NCUA consider further refinements to its weightings of CUSO investments by creating an aggregate threshold on investments that below which CUSOs wouldn't be singled out for negative treatment. In addition, NCUA has to clarify precisely how much power it intends to give itself to require individual credit unions to maintain capital buffers beyond the minimum threshold established under these regulations.
There are a lot of legitimate questions that need to be answered, but let's start from the premise that there will be RBC reform and that the industry can constructively make it even better than it already has.
Its time for Credit unions to Hang together or they will hang separately
Later today the industry will have itself in a foam-mouthed- frenzy analyzing the NCUA's latest attempt at devising a sensible risk-based-capital framework. I'll be joining in the frenzy but let's be honest: With or without RBC reform there are trends fundamentally reshaping the industry.
The Great Recession may very well mark a decisive turning point in the history of The Movement: Increasingly only the big can survive and only the biggest can prosper. One of the most basic steps the industry should take to counter this trend is to engage in more extensive collaboration that enables all credit unions to enjoy the benefits that come from economies of scale.
First the numbers don't lie. According to a September 2014 Filene Report(Credit Union 2.0: An Opportunity to Build Collaborative Partnerships ) In 1969 there were 23,866 institutions. Since then there have been more than 13,000 credit union mergers and a smaller number of liquidations. Today there are approximately 6,700 credit unions, a number that will undoubtedly decline even more by the end of the day.
These numbers don't begin to reflect the full impact of the Great Recession and its aftermath: Creative destruction is creating a system of "Haves" and "Have not's" where only the strongest and the biggest survive.
According to NCUA Chief Economist John Worth in his December report on economic trends membership growth at credit unions with $1 billion or more in assets exceeded 8 % recently and has averaged 6% over the last five years. In contrast membership growth for credit unions with $500 million or less in assets has fallen for each of the last four years
Loan growth at credit unions with $1 billion or more in assets exceeded 15 % over the last year but has contracted for the last five years at credit unions with $100 million or less in assets. In addition the ROA of the largest credit unions has averaged one hundred basis points for the last three years; This far exceeds growth for any other asset class. As Worth points out smaller credit unions are facing challenges that can't be overcome by an improving economy.
These trends can't be reversed but they can be mitigated. The unique attributes of credit unions are going to be harder to see if the only institutions left are those over $1 billion dollars.Collaboration can benefit all credit unions. I know that this idea has been around for years but given the accelerated pace of consolidation it really is time to get serious.
For example in the age of Cloud Computing there is absolutely no need for credit unions, most of which offer a similar basket of services not to centralize their IT infrastructure. More robust systems can ultimately provide better and cheaper back office support and might even prevent smaller credit unions from being left behind by the latest mobile and online banking trends.
Another obvious candidate is compliance. The burden is here to stay but you all face the same set of regulations. At the Association we are in the process of introducing a shared compliance model under which an employee hired by the Association takes on compliance projects for a group of credit unions. The model has already been adopted successfully in several other states.
A third step credit unions can take is to fully utilize their state and federal trade associations. When times are tough and credit unions are looking for places to cut back I know that association dues is a tempting target but this is penny wise and pound foolish. Every day I talk to staff people who teach me something about the credit union industry I didn't know when I came in the door. These people are here for you. Used properly, an Association is one of the most cost-effective employees you have,
Finally if you have to merge than why not consider a merger of equals? In its September 2014 report Filene profiled relatively strong but small credit unions that realized synergies by merging. They were able to grow to meet member needs. If your credit union is stuck in the cross currents of economic change why not proactively make inevitable changes from a position of strength?
Recently the OCC released a report encouraging community banks to collaborate. What it said of community banks is certainly true of credit unions:
"As diverse as community banks are, they share the same commitment to supporting the communities they serve. With this in mind, the OCC sees an opportunity for community banks to share resources and expertise to the mutual benefit of all involved. Some community banks may have excess capacity or may have developed platforms or expertise that enable them to provide shared services to other community banks that may not have sufficient resources or demand. Other community banks may look to collaborate with fellow community banks that share the same core values as a cost-effective way to meet growing demands while retaining their individual identities."
Here is a copy of the report
When it comes to cyber-security: Change you can't take seriously
All you need to know about the President's speech laying out his proposals for enhanced cyber security and consumer protections is that as he was delivering it the US Central Command's twitter account was being taken over by Islamic State terrorists
Who says terrorists don't have a sense of irony.
The truth is that even without the attack the president's 's cyber proposals are an impotent response to what is one of the nation's biggest challenges: How to protect our electronic infrastructure. If we don't start dealing with it soon we are putting our nation's economic growth and privacy at risk.
At least rhetorically the President understands just how big the stakes are, In yesterday's speech he pointed out that "In one survey, 9 out of 10 Americans say they feel like they've lost control of their personal information. In recent breaches, more than 100 million Americans have had their personal data compromised, like credit card information. When these cyber criminals start racking up charges on your card, it can destroy your credit rating. It can turn your life upside down. It may take you months to get your finances back in order. So this is a direct threat to the economic security of American families and we've got to stop it"
So what is the Government's big solution? (1)A national standard mandating that companies would have to notify consumers of a breach within 30 days and (2)encouraging financial institutions to provide customers easier access to their credit scores. Neither of these are bad ideas but the President's proposals are like eating leftovers when you were really looking forward to a brand new meal: Better than nothing but hard to get all that excited about.
Is this really the best the country of Bill Gates and Steve Jobs can do in the face of hackers determined to steal massive amounts of data from the American consumer as dictatorial quacks browbeat studios into not releasing movies they don't like? Since when did we become the Can't Do nation?
For one thing states already have breach notification requirements. They make sense but by definition they don't deter breaches. In addition, your average consumer is likely to take little solace from the fact that they will know that their debit card has been compromised a mere one month after a breach has been discovered,
According to the President thanks to the cooperation of major financial institutions including some credit unions a majority of Americans will now have free access to their credit scores. The problem is that the Fair Credit Reporting Act already requires credit reporting agencies to give consumers a free copy of their credit reports once a year if they ask for one. True it's a lot easier for a consumer if their financial institution tells them what their score is without being asked to do so but again all you are doing is closing the barn yard door after the horse has gone on the run.
Conspicuously absent from the President's proposal is anything that would force businesses to do what banks and credit unions already have to do: Have policies in place to monitor identity theft threats and take steps to protect against vulnerabilities. Another proposal would be to give everyone some skin in the game by imposing a national law mandating reasonable care in the prevention of cyber theft. If you really want businesses to take cyber threats seriously release the trial lawyers and attorneys general. Time for the President to use the bully pulpit so that the American Government and public really realize how serious a challenge hacking poses.


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Charlotte Augusta
Jan. 7, 1796
Nov. 6, 1817
British Royalty. Born Charlotte Augusta, the only child of the loveless marriage between the Prince of Wales (later George IV) and Caroline of Brunswick. Her young life was filled with the disrespect her parents held for each other, and they constantly quarreled. As a result she grew up very rebellious, and didn't have good manners. At an early point in her life her father separated her from her mother and she grew up under his influence, and that of her uncles. Her rebellious nature did not stop her from falling in love, and she was rumored to have a few clandestine affairs. In her sixteenth year, the government proposed a marriage to Prince William of Orange, but she quickly broke it off when she saw the King of Prussia's 19 year old Nephew, Prince Fredrick. He too, soon fell out of favor. Finally, on May 2nd, 1816, she married Prince Leopold of Saxe-Coburg at Carlton House after a three month courtship. They were as different as night and day, his cold and formal attitude to her passionate and rebellious one. It made for a happy marriage, and they were popular in London . In early 1817, after a few miscarriages, she finally seemed to be carrying a child to term. The country rejoiced in the pregnancy, however her physicians began to restrict her every movement. At Claremont House on November 5th , after some 50 hours of labor, a still-born son was born. After receiving bad medical treatment, she died of post-partum hemorrhaging at the young age of 21 on November 6th. She is buried with her son at her feet. Prince Leopold and the rest of the country went mad with grief at her passing. Not until the death of Princess Diana has the country shown such public mourning. Because of her death, the not yet born Victoria would become queen in 1837.
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text:
Asian Shares Decline Amid Ongoing US Govt Budget Impasse
Asian stocks declined as the ongoing U.S. government shutdown is leading to worries about wrangling over the debt ceiling.
The government will run out of borrowing authority Oct. 17, according to the Treasury, leaving only cash to pay the bills.
Around the region, the Bank of Japan left monetary policy unchanged, as expected. BoJ revised up its view on capital expenditure and said the economy was recovering modestly.
In ADR news, China Mobile Ltd. ( CHL ) dipped on reports that China's telecommunications regulator may cut interconnection fees paid to CHL by China Telecom Corp. ( CHA ) and China Unicom Hong Kong Ltd. ( CHU ).
China markets remain closed for holiday until Oct 8.
The Nikkei ended at a one-month low, down 0.94% at 14024.31. The Hang Seng was down 0.33% at 23,138.54 and Australia down 0.51% at 5,208.00.


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6 more days!!!
kweenie97April 30, 2006
Six more days until the loud neighbor upstair has to move out!!!! Her lease is up on Saturday! JOY!!!! Since this is a college town and a good chunk of our building is college kids, I doubt they'll get it released for the summer when we move out. Our lease isn't up until July 27. We started looking for a house to buy last week and our preapproval application is off to the underwriter now. Yay!!


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Live coverage: BYU wins, Twitter reacts
With newly minted All-WCC First Team members Tyler Haws and Brandon Davies leading the way, the Cougars successfully began their NIT march at home against sixth-seeded Washington.
The Cougars won 90-79 behind a BYU record-setting performance from Tyler Haws, who scored 37 points. Brandon Davies added 22 for the Cougars, who overcame a rough first half to establish a faster tempo that led to the win.
Matt Carlino personified the transition from first half to second half, scoring 18 of his 20 points after the break and logging all nine of his assists after halftime as well. The sophomore guard also had seven rebounds.
Carlino's emergence, along with Haws' game-long brilliance, saw the Cougars explode for 57 second-half points compared to just 33 in the first half.
Check out our Twitter reaction feed below and look out for complete post-game analysis from Deseret News reporters, coming shortly.
Matt Petersen is the Sports Web Editor for DeseretNews.com. You can follow him on Twitter at @TheMattPetersen.
- Jazz knock off Thunder in emotional game with...
- BYU defense has 'a long ways to go'
- Former Jazz big man Enes Kanter goes off,...
- Utah State set to hire assistant Tim Duryea...
- Brad Rock: The unforgettable Hot Rod Hundley
- Photo gallery: BYU rugby blanks Utah State in...
- 5 things you may have missed at BYU...
- Dick Harmon: Nomadic hoops coach Tony Ingle...
- A not-so-Sweet 16 for the Runnin' Utes... 123
- Former Jazz big man Enes Kanter goes... 38
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- Utes went down swinging in Sweet 16... 34
- BYU defense has 'a long ways to... 25
- Jazz knock off Thunder in emotional... 21
- Badger looking to become part of BYU's... 21


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Jul 15 - Homily: Bonaventure Seraphic Doctor
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Uploaded by AirMaria on Jul 15, 2010
Today is the Feast day of St. Bonaventure and Fr. Angelo preaches on how St Bonaventure combined true sanctity and high education and so he became the Seraphic Doctor in the footsteps of his spiritual father, St. Francis, the seraphic saint. St Bonaventure focused on the importance of the will in theology as opposed to St Thomas who focused on the intellect. He also worked to 'refound' the order when it was in danger of splitting. Ave Maria! St. Bonaventure - Mass: OF, - Readings: 1st: wis 8:2-7, 16-18 Resp: psa 16:5-5, 7-8, 9, 11 2nd: 1co 2:6-13 Gsp: mat 5:13-19 To Download Audio go to http://airmaria.com?p=13502
Angelo Bonaventure Doctor Education Father Feast Francis Homily Intellect Liturgical Refound Saint S
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In a swedish castle there's a lion from 1731 who was stuffed by a taxidermist who had never seen a lion. (captivebredreptileforums.co.uk)
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[–]pablothe 1 point2 points3 points 2 years ago (0 children)
Makes me wonder how dinosaurs actually looked. I understand it has been widely studied, but I still doubt we can accurately know things like texture, color, etc.
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Heat —it surrounds us, aggravates us, fuels our conversation, dominates our news, impacts our entire earth—gives us pause to think.
Besides constantly figuring out the best ways to stay cool, we are asking ourselves where all this excessive heat comes from, and if it will become the order of the day. Nobody seems to be talking about global warming publicly, but plenty of us have been projecting it forward in our thinking.
In 2006 former Vice President Al Gore released a prophetic video directed by David Guggenheim that won two Oscars. I watched "An Inconvenient Truth" more than once because I was intrigued with the tremendous impact the human carbon footprint is making on this earth we call home.
The title seemed so appropriate because the facts about global warming were compelling, and yet unlikely to be taken too seriously. After all, to protect our earth would mean a tremendous "about face" on multiple levels for the individual, the family, and the way we do business—from top to bottom.
God created everything in the natural world as a tremendous endowment for us. Our good and gracious Creator looked at all that now existed and found it to be "very good." He then entrusted it in good faith to Adam and Eve for their enjoyment and care, and for all the generations that would follow. All of us are continuing this legacy for ourselves and our children. We extend this prophetic mission of preserving our earth by protecting, using wisely, enhancing this home that is ours.
We are already familiar with the cry "reduce, recycle, reuse." It has been on our lips for the last 20 years. The temptation is to assume that because we sport it on our shirts means we really buy into it with our lives. If we believe that the power of one person to make our world better is useless, maybe the following truism will help. "Anyone who doubts the power of one has never been in bed with a mosquito."
We transform our carbon footprint from brown back to green when we do simple things like saving water by showering under four minutes, turning off water while using the toothbrush, washing dishes in the sink rather than the dishwasher, hanging out some of our clothes rather than using the dryer.
We transform our footprint back to green when we turn off unnecessary lights, use compact fluorescent light bulbs, unplug technology more, walk instead of drive sometimes, grow our veggies or buy them from our local farmers' markets.
We expend time, energy and money on caring for the material goods we own. Let the legacy of earth stand side-by-side with these in importance.
Sister Paula Gohs is pastoral assistant at St. John the Evangelist Catholic Church in Carrollton, Ky.
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Plan Specification: HHF-4661
Total Square Footage: 3,714
Main Level: 1,284
Second Level: 987
Lower Level: 1,443
Bedrooms: 4
Baths: 3 Half: 1
Garages: 2
Width: 45 ft Depth: 48 ft
Foundation: Daylight Basement
© copyright by designer
Plan: HHF-4661
You'll love the amenities found in this eye-catching family home plan. Your next dinner party is sure to be a success in the formal dining room, where a handy butler's pantry gives way to a walk-in pantry. The island kitchen is a chef's dream, with plenty of counter space. Upstairs, a fireplace is not the only highlight in the master bedroom. Check out the cozy sitting area and the private covered deck! On the lower level, a fun recreation room opens to a covered patio and the backyard beyond.
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Bias Still a Concern At Private Golf Clubs
By ELSA BRENNER
Published: May 18, 1997
LAST weekend at St. Andrew's Golf Club in Hastings-on-Hudson, Wall Street brokers and corporate executives took time out from their daily pressures to commune with nature on the links and possibly break 90 -- all for the price of a $20,000 initiation fee and about $9,000 a year.
At the county-owned Saxon Woods Golf Course in Scarsdale, Ray Gutierrez was also listening to the birds and smelling springtime in the air. And he was likewise hoping for a score that he could brag about, but for less than $20 a day and no initiation fee. ''I love this game!'' the retired bus driver said.
George and Arlene Rosenberg were similarly enthralled with both the sport and the countryside at the private Ridgeway Country Club in White Plains where, like their counterparts at St. Andrews, they had paid dearly for the privilege.
While the golfers at the three courses shared a common passion, they were different in most other respects, and that was reflected in where they teed off. The membership at Ridgeway, where the Rosenbergs belong, is mostly Jewish and white; at St. Andrews, it is predominantly Christian and white. By contrast, many of Mr. Gutierrez's fellow golfers at the public course are blue-collar workers representing ethnically diverse backgrounds.
Despite the passage in 1989 of the New York State Human Rights law -- which made it illegal for organizations serving the public to discriminate on the basis of skin color, sex, church affiliation or national origin -- the homogeneity of private golf club memberships persists.
And while golf officials acknowledged that private clubs continue to be exclusive, they observed that the reasons for that had changed and insisted that nothing unlawful persists.
''Race, ethnicity, gender or religion are not issues anymore and have not been for some years,'' said William Rose Jr., president of the 75-year-old Winged Foot Golf Club in Mamaroneck, where the 79th P.G.A. Championship will be held this summer from Aug. 11 to 17.
''It's a matter of economics now,'' he said.
In 1990, four national professional golf organizations made integration a prerequisite for a club's being a host of their tournaments, and Winged Foot counts several black members.
In fact, many private clubs today proudly mention their black and Hispanic members, although the numbers remain small. Similarly, some predominantly Christian clubs boast that they have Jewish members, and vice versa. And more private clubs -- not all, however -- appear proud of the role women play on their governing boards.
As Marc C. Bergschneider, chairman of Hudson National Golf Club in Croton-on-Hudson, Westchester's newest and most expensive club, explained it: ''We're open to females, blacks, Hispanics, Jews, Catholics and Protestants. What we're looking for are good golfers with good character and good money.''
Equity memberships at Hudson National cost $150,000, and yearly dues are $10,000. Initiation fees at other private clubs range from $20,000 to $150,000, and yearly fees start at $5,000.
''At those prices, private club memberships are not for your average Joe,'' said Colin Burns, the general manager at Winged Foot.
Economics may be the reason, but that is little consolation to black leaders like Winston A. Ross, the Westchester Regional Director for the New York State Conference of N.A.A.C.P. branches.
''We don't even get to be discriminated against because a lot of minorities can't afford memberships to begin with,'' he said.
Those kinds of concerns are especially troubling in light of the success of Tiger Woods, the Masters golf champion whose heritage is a mixture of black, Thai, white and American Indian.
While some view Mr. Woods's success as a milestone for civil rights and believe it will open doors for youngsters inspired by his example, others call attention to the limitations of what has essentially been a wealthy white man's game.
Indeed, the tradition at places like Winged Foot -- the interior of its stone club house is decorated with plush blue and gold carpeting, wood paneling and understated, elegant furniture -- appears steeped in an old-money heritage established by a white upper class.
And although the admission standards have changed over the years, clubs like Winged Foot and St. Andrew's continue to be exclusive -- although in ways different from the past.
For example, at St. Andrew's, the oldest golf club in the United States, admission until the 1970's was limited to Scottish Presbyterians, Michael P. Beckerich, the club's president, said.
That proved to be an economically unsound policy for the club, which eventually reached out to a broader membership to stay in business. Laws prohibiting discriminatory policies had little to do with it, the president said.
Nevertheless, St. Andrew's continues in spirit to be what Mr. Beckerich unapologetically described as clubby -- attracting like-minded players to its fairways.
''When choosing members, we ask, 'Is this a person I would have fun being hooked up with on the first tee?' '' he said.


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text:
Visit create.airbnb.com »
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My name is Shkelqim (jimy) from Albania, If you are looking for accommodation in Albania please feel free to book any of our places already listed in Airbnb. Any question is welcomed but not that appreciated unless you really like to book. Thank you
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My friends and I loved staying at the Jolly Hotel. The staff was very nice and extremely helpful and amendable to our needs. The rooms were clean with a vibrant decor. The hotel is located in a central and bustling part of the city, very close to the market. It was easy to access the rest of the city from this point on foot or by taxi. Breakfast was included as well, which was a wonderful way to start our mornings in Tirana. More than that, the hotel provided my friend with a bottle of Albanian apple champagne for his birthday! All in all if was a great place to stay. I highly recommend it.
Nice and clean apartments, close to the beach. If you are looking for a nice accomodation for a reasonable prize, this is the place. People who hosted us were really nice and kind, the warm greetings and opened hands that welcomed us were a nice experience.
Jimy's lodging is in a great location, across the street from the fresh fruit and vegetable market, bakery, a CONRAD market, the Tirana bar scene, and easy walking distance to Skanderbeg Square. The room was smaller than I thought but proved to be just right for a single person who will be out exploring the city. The bathroom is European sized, but the shower is extremely spacious, contemporary and has great water pressure. I was concerned about parking, but Jimy found a 24-hr garage and paid for the fee. A very clean space and a gracious host!
I would like to recommend that wonderful place, cozy apartment just above the send beach with all you need, even barbeque. Special regards for the host, who are such a wonderfull people, always helpfull and heartfelt people.
Me, my boyfriend and our dog stayed in this lovely house by the sea in Ksamil which is a nice sea village in the south of Albania. The house is just a few metres from one of the best beach and a walking distance to some nice restaurant by the sea. The house is simple, basic but clean and it has a big terrace where you can relax or cook with the barbeque. The owners of the house do not speak english or italian but they have been so nice, generous and friendly that it has been very easy for us to understand each other. We really felt welcome and are happy to have had the opportunity to meet them. I hightly reccommend this house to everybody. Thank you Shkelquim
Really nice apartment with everything you need. The location around the flat is special but not a problem and it's about 5mn from the beach and people who like quiet and nice beaches (no so wild that i tought) will be happy. The price was great and the place is near from Butrint an amazing archaeological site. I recommend this apartment.
Ksamil was for us the brighest star on Albanian coast.- magnificent beaches, no clouds on the sky and exellent seafood. The apartment live up to our expectations. We were lodged in a room which you can see on the pictures above- good standard inclusive air conditioning, tv, toilet and kitchen area. The location is not perfect, but not too far from the beach. I would highly recommend this place!
Overall we had a nice time in Ksamil, which is a very nice location in southern Albania. I nevertheless wanted to point out that, as mentioned in the ad, we were lodged in a hotel room and not somebody's appartment. Moreover, the room, that was clean and not too far away from the beach, did not have air conditioning nor a kitchen area. We did had a fridge though. Considering this, I am a bit disappointed about this experience.
We stayed for 2 weeks on the upper Floor (2nd) of this lovely little house at the seaside.The flat is simply perfect! A clean apartment with 2 sleeping rooms. Don't expect a huge bathroom or kitchen; the furnishing is really basic, but more than compensated by a big terrace with beautiful sea view. Use the BBQ and forget about modern cooking.
The owners are extremely nice and helpful hosts. They even offered us some self baked fresh bread – excellent! Communication is a bit difficult because they only speak Albanese, but during summer time their children stay in the house. They also are very kind and interesting people, always prepared to have a chat and give you any advice.
We spent a wonderful time there and recommend this place to all people going on holidays to discover real life without too much luxuries.Excellent apartment, great location and a host who knows looking after his guests matters.Highly recommended.
Questa coppia albanese e la loro deliziosa e tranquillissima bambina sono stati nostri ospiti per tre giorni. Simpatici, aperti, ottima comunicazione, la casa e' stata lasciata in perfetto ordine. Ospiti davvero raccomandabili!
A very nice family,very clean and with good character. they are really excellent guests,and leave the apartment in extraordinary condition
Shkelqim (Jimmy) stayed in my appt. for a week. He left the place in very nice state. We stayed in touch during his stay and I would highly recomend him as a host!
Solid guest and a nice person. Polite, courteous, independent and clean too. I'll be happy to host Cimi again.


text: from cowboy bebop i gotta say that my favourite character is Grencia Mars Elijah Guo Eckener cuz his past life was as a soldier and in the episodes 'jupiter jazz' the fight scene is rele kool and bloody, but the sad part is when gren becomes and jazz musician, he gets locked up cuz people thing that he is a spy. and the crazy part about him was when he herd that vicious told the jury that he was a spy he went crazy, and people sent him into drug testing where they put some nasty drugs in him. i like him cuz he didnt do anything to stop the people from testing on him and that showed strenght but finally when he gets back to normal he escapes :)


text:
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American soldiers fighting for our independence back in the 1700s might have worn a military outfit like this! Give your child a fun paper craft and a little history lesson with this historical paper doll soldier.
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ET2 Sense 5-Light Pendant
8.25" H x 15.75" W Size
8.5" H x 19.5" W Size
ET2 Sense 5-Light Pendant
Additional Documents
Weights & Dimensions
8.25" H x 15.75" W Size
8.5" H x 19.5" W Size
|Fixture Type: Mini pendant
|Style: Modern
|Shade Material: Glass
|Finish: Polished chrome
|Hardware Finish: Polished chrome
|Sloped Ceiling: No
|Swarovski Crystal: No
|Color Temperature: 2000 Kelvin
|Bulb Type: Xenon
|Bulb Shape: G4
|Bulb Base Type: G9
|Number of Lights: 5
|Number of Tiers: 1
|Bulb Included: No
|Adjustable: Yes
|Dimmable: Yes
|Bulb Life: 2900 Hours
|Voltage: 12 Volts (V)
|Wattage per Bulb: 40 Watts (W)
|Product Care: Wipe clean with a dry cloth
|Country of Manufacture: Imported
|Material (8.5" H x 19.5" W Size): Metal; Metal
|Assembly Required: Yes
|Additional Parts Required: No
|Product Warranty: 1 Year
|Title 24 Compliant: No
|Energy Star Compliant: No
|Damp, Dry or Wet Location Listed: Dry
|UL Listed: Yes
Still have questions about this product? We're here to help
ET2 Sense 5-Light Pendant
About the ManufacturerET2 boasts a diverse line of products that continually set new standards in innovation, quality and design in lighting. ET2 is an exciting innovator in the lighting industry with a bold eye toward European style. As a Maxim Group Company, they can offer strong partnership and support that will take your lighting or furniture in a contemporary direction.
|5 star
|4 star
|3 star
|2 star
|1 star
Customer Reviews
A stunningly beautiful fixture
ramnath from San Francisco, CA – Verified Buyer
The fixture looks spectacular in real life, much more than the picture conveys. It has a glass like finish when the lamp is off but is fully transparent when on. The glass pieces make it look luxurious, but in a modern way without old school ostentatiousness. Installing it is a little involved, we had to get a handyman to do it.
Great modern light
Marilyn from Austin, TX – Verified Buyer
Purchased this light to go over the breakfast room table in a kitchen remodel. We purchased the large size - not 100% sure we might not need the medium but, in any event, the fixture is very pretty. The smoky/metallic finish on the glass is so much more rich in person than the photos online reflect. Highly recommend.
Love it!
Sima from Los Angeles, CA – Verified Buyer
Beautiful fixture, the picture doesn't do it justice. I put it by the front entrance and I enjoy it every time I come home. We hung it high to accommodate the ceiling height and the door so there's just a few inches of cord showing and it looks great.
Fancy dining room
Vero from New York, NY – Verified Buyer
Love this lamp. It looks so much better in person. Highly recommend Pros: Cheaper than in our local stores Cons: None
Very good quality.
C. from LA – Verified Buyer
I've had no problems with the pendants so far! Very good quality lights and they've been working out great for me.
Anonymous from New York – Verified Buyer
OUR SKU # ETL4362Sense 5-Light Pendant is also sometimes listed under the following manufacturer numbers: E21205-10PC, E21206-10PC


text:
Help! Which is the best tankless and what capacity?
I want to replace my current old water heater with tankless but I am not sure which is the best and what capacity I would need? I need your expertise before I make a decision.
1. 1500 sqf house - 2 baths - 3 people.
2. Which model you would recommend and BTUs?Noritz, Rinnai, Tagagi?
3. Our current water heater is in the middle of the house where the bathrooms are - actually very close. We like to free the space for storage. We are in CA and we can put the new unit outside but the problem is that if we want the unit to be close to the baths and kitchen - then it should be installed outside facing the back yard. The gas meter is far away on the side of the house and if we install there I am afraid we'll be waiting for the hot water forever - it will be close to the gas line but away from bathrooms and kitchens. I am stuck - I don't want to see the unit in front of me every time I am sitting in my back yard. What is the best reasonable distance to the baths and kitchen? I know closer is better. I also have 13 windows so by code it cannot be close to a window - I have a maybe 2 options - facing the back yard on the wall in the middle of the house or on the side close to the gas meter.
4. Are there any options to put it in the attic ( or crawl space ) or it's more expensive - venting etc.
5. We are also buying a new furnace and moving it to the attic.Do both units share a gas line ( pipe ) or they need to have two different pipes?
7. If my furnace is 80-90,000 BTU - what size of pipe I would need for both if sharing?
8. Does my gas meter needs to be upgraded? The house is 1953.
Sorry for so many questions - thank you in advance!
Re: #8 when I was in your shoes I contacted my natural gas company and gave them a list of everything that would be on the gas line re: BTUs and asked if the meter was sufficient and they confirmed it wasn't and for no charge put in a new gas meter that was sufficient for what I'd be running. Perhaps your gas company would do the same.


text:
If TW-San Antonio drops the FOX channel, and outlying areas can't get it via antenna, then the station will have to produce a better signal to retain the lost eyeballs, else they're going to lose revenue.
In all these retransmission agreement arguments, cable companies should play hardball and drop the station. A test case is needed to see how long before the stations cave in.
...otherwise DISH and DTV would simply carry 6 national broadcasts and drop the thousands of local stations -- and the billion dollar satellites they built to broadcast them.
quote:DNS (Distant Network Signal) is any television station delivered outside of its home DMA. Federal law prohibits the delivery of DNS programming to any subscriber who does not meet the strict eligibility requirements associated with this type of service.


text:
Sunday, May 01, 2011
26 comments
Lawyers should never ask a grandma a question if they aren't prepared for the answer.
In a trial, a Southern small-town prosecuting attorney called his first witness, a grandmotherly, elderly woman to the stand. He approaced her and... Read more
Saturday, April 30, 2011
14 comments
Gotta love women~
A fifty-ish woman was at home happily jumping
on her bed and squealing with delight.
Her husband watches her for a while and asks,
"Do you have any idea how ridiculous you look?,
What's the matter wit... Read more
Friday, April 29, 2011
13 comments
Thursday, April 28, 2011
16 comments
Wednesday, April 27, 2011
23 comments
Yesterday I went to the doctor
For my yearly physical.
My blood pressure was high.
My cholesterol was high.
I'd gained some weight,
and I ... Read more
Tuesday, April 26, 2011
17 comments
Monday, April 25, 2011
38 comments
Hi spark friends.
I know that your use to me doing something with humor but today my heart is not in it. Today would have been my 41st Anniversary and the memories are flooding back.
Every year I get out the last anniversary card my ... Read more
Sunday, April 24, 2011
23 comments
How to tell if your feet stink. Keep on scrolling down.
Because I want you to get checked out to make sure you're healthy and will be around longer .....
... Read more
Saturday, April 23, 2011
16 comments
Friday, April 22, 2011
26 comments
Thursday, April 21, 2011
20 comments
One lazy Sunday morning the wife and I were quiet and thoughtful,
sitting around the breakfast table when I said to her unexpectedly,
"When I die, I want yo... Read more
Wednesday, April 20, 2011
13 comments
Here's your smile for the day!
I just had to pass this on. Not my dog but thought it was just adorable!
Read more
Monday, April 18, 2011
15 comments
On the first day, God created the dog and said:
'Sit all day by the door of your house and bark at anyone who comes in or walks past. For this, I will give you a life span of twenty years.'
The dog said: 'That's a long time to be barki... Read more
Sunday, April 17, 2011
26 comments
Saturday, April 16, 2011
21 comments
Two elderly ladies were sitting on the front porch in Scottsdale doing nothing. One lady turns and asks, 'Do you still get horny?'
The other replies, 'Oh sur... Read more


text:
Aberdeen are planning a fresh move for Dunfermline captain Scott Wilson as they bid to shore up their leaky defence.
The 30-year-old defender played for Calderwood when he was in charge at East End Park and was the subject of a failed bid during the January transfer window.
The experienced former Rangers stopper is perceived to be the perfect partner for Zander Diamond, as Calderwood aims to beef up his defence following a number of key departures.
"Clearly our defensive frailties are a major cause for concern. Our goal difference is minus 13 and, for a team of this standing, that's ridiculous.
"A lot has been made about the fact we lost Russell Anderson but we can't blame all our problems on his departure. Michael Hart, Markus Heikkinen and Kevin McNaughton have all left," said Calderwood.


text:
On Saturday and Sunday,
June 12-13, there will be a two-day closure of the Downtown Seattle Transit
Tunnel for engineering work. Sound Transit will be providing a free bus bridge
between Westlake Station and the SODO Station for light rail passengers during
the tunnel closure. All Metro tunnel bus routes will use surface streets that
CTA President Richard L.
Rodriguez and Chicago Transit Board Chairman Terry Peterson said the agency opened
a new entrance to the Red Line's Cermak-Chinatown station. Located
approximately one block north of Cermak on Archer Avenue, the new entrance will
serve as the primary access point for customers while the main entrance to the
station on the north side of Cermak is reconstructed and made accessible. The
south entrance on Cermak also will be closed to customers beginning June 4 at
11 p.m.
Axion International received
its first two purchase orders for railroad crossties made out of Recycled
Structural Composite (RSC) from Moroccan National Railway Company (ONCF). ONCF
operates more than 1,100 miles of track throughout Morocco and carried more
than 29 million passengers last year.
The State of Alaska has
approved herbicide spraying along the Alaska Railroad tracks for the first time
in decades, but tribal and environmental groups from Eklutna to Seward are
asking the state to reverse its decision, the Anchorage Daily News reports.
Calling it the right thing
to do, Teamsters Canada applauds the announcement from the Conservative
government of Stephen Harper to put the clamps on railways flouting safety
CSX Corporation has
obtained its first LEED® green building certification from the U.S. Green
Business Council. The LEED® certified building is a newly constructed
22,500-square-foot division headquarters in Florence, S.C., which includes 32
offices, a large conference room, a fitness center and a dispatch center.
The chairman of the
Surface Transportation Board said Canadian National Railway will have to stick
to the terms of his agency's original decision on its acquisition of the
EJ&E Railway, including funding a rail overpass in Lynwood, Ill., Northwest
Indiana Times reports.
Based on a successful
three-month trial run, strong customer satisfaction and solid system
performance, Amtrak is making free Wi-Fi a standard service offering for every
passenger traveling on its high-speed Acela Express trains operating between
Washington, D.C., and Boston and is moving forward with plans to expand it to
other routes.
The State of Pennsylvania
has signed off on the final environmental cleanup of the former Lancaster
Brickyard dump that's destined to be the new location for Norfolk Southern's
rail yard, the Intelligencer Journal reports.
Tri-City Railroad Co.
filed a lawsuit against the Port of Benton in Washington State for refusing to
recognize its exclusive rights to use a 16-mile rail line, which caused a
significant financial loss to the company, The News Tribune reports. The
railroad and the port signed a 30-year agreement in 2002 for the leasing rights
of the rail line and parts of the 1171 building located in north Richland, Wash.
That agreement to operate and maintain the track gives Tri-City Railroad the
exclusive rights of use, said Nicholas D. Kovarik, an attorney for the company.
Remember Me


text:
2 of 2 people found the following review helpful
Borderlans 2 Limited Edition Guide,
Verified Purchase(What is this?)
This review is from: Borderlands 2 Limited Edition Strategy Guide (Bradygames) (Hardcover)
The guide arrived on time and looks great - HOWEVER - there has obviosuly been a printing error, as a number of ages do not have any text on them (it looks like the black plate for printing has not been used, just the magenta, yellow and cyan), which means those pages are useless. Because this was bought from Amazon of course there is no way to give feedback or complain, or to try and ensure that a replacement has all the printing it should have. Where the guide is complete it is really useful, but this has spoilt the pleasure in being able to read it from cover to cover. Brady Games as the publisher (and their printer) is at fault. I would have given the guid a 5 but this may be a problem with an entire batch of books.
Sort: Oldest first | Newest first
Showing 1-1 of 1 posts in this discussion
Initial post: 7 Oct 2012 18:21:00 BDT
Harry Carr says:
There certainly is a way to complain and give feedback, and to try and ensure a replacement has all the printing - contact Amazon. They're good at this stuff.
‹ Previous 1 Next ›
Review Details
(16 customer reviews)
�23.10 �22.67
Location: Yorkshire, UK
Top Reviewer Ranking: 215,211


text:
Choose your preferred language. We speak English (US) and 41 other languages.
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FREE cancellation on most rooms!
Instant confirmation when you reserve
Loved this warm and friendly hotel! Not as noisy as some reviews would have you believe however, it depends on your lifestyle! The hotel was in perfect location for all amenities and transport. Would well recommend this hotel to anyone travelling to Romania as a base to travel around the country.... fabulous!
Great hotel, very close - like 5 minute walk - to old town center (Piata mare)! We were there at the end of December; we were please to find that the room was very clean, with a nice smell to it, very comfy and cosy; we had no problems with the heating even if at our stay in Sibiu it was even -25 C! The staff is helpful and nice! The hotel it's a great deal, it has it's own parking space, the furniture is nice and the mattresses comfortable! Overall I do recommend Rin Hotel in Sibiu!
Excellent location, 3 minutes walking to Piata Mare. Incredible rooms: elegant, clean, great bed and pillows, wonderful bathroom. Very good value for money. The staff was very helpful and made sure we had everything we needed. Will definitely stay here again when visiting Sibiu. One of the best hotels I have stayed in in Romania
Friendly staff. The location is obviously perfect, right in Piata Mare. Very clean room and toilet. AC works super good, powerfull but silent.I recomend this hotel and would stay there again.
We we're very happy with our stay at the Apollo Hermannstadt Hotel.The staff was very friendly, the rooms are very good and clean. It was the best price/quality report!
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Dear colleagues,The next RIPEstat Live Demo is scheduled for tomorrow, Tuesday, 14 June 2011 at 11:30 - 12:00 Amsterdam time (9:30 - 10:00 UTC). I hope you will join us.
Details on how to join the demo session can be found on RIPE Labs: http://labs.ripe.net/Members/kistel/ripestat-live-demo-6 The minutes of the last sessions and some more information about RIPEstat can be found on RIPE Labs: http://labs.ripe.net/ripestat Kind Regards, Mirjam Kuehne RIPE NCC
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text:
No winner for past Tours if UCI strips Armstrong
Updated: October 12, 2012, 12:33 PM ETAssociated Press
PARIS -- The Tour de France will have no official winner for the seven races from 1999-2005 if Lance Armstrong is stripped of his victories by the International Cycling Union.
In an interview with The Associated Press on Friday, Tour director Christian Prudhomme called the U.S. Anti-Doping Agency's report on Armstrong "damning." It raises doubts, he said, about "a system and an era."
Tour officials are still waiting on the UCI's decision on whether to go along with USADA's decision ...
Read full story
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The age of consent in Georgia (to my knowledge) is 16 so you are ok (or your boyfriend is) with regard to criminal prosecution. I am concerned though with the wisdom of a 16 year old with a 20 year old boyfriend. Have you and your boyfriend discussed this relationship with your parents? Are you, in anyway, being coerced into doing things which you might not be ready for? I encourage you to talk with a parent, counselor or pastor (someone who knows you) so you can talk out these matters and...
2 lawyers agreed with this answer
Hire an attorney...all of the mitigating factors which you have recited can be used by a skillful attorney to argue against incarceration...good luck
1 lawyer agreed with this answer


text:
Coeur de City Hotel Nancy Stanislas
No availability found through our partners. Please contact the business directly or check some of our recommended alternatives.
How has this hotel rated in the past?
- Free High-Speed Internet
- Business Services
- Beverage Selection
- Pets allowed
Photos of Coeur de City Hotel Nancy Stanislas
TripAdvisor Reviews Coeur de City Hotel Nancy Stanislas
Travel Blogs from Nancy
A disappointment in Nancy
... went first to the Musee of course, and that went well enough. Joy saw her Caravaggio and some other goodies, and there were even a few Dutch pieces for Michael, including a lovely, and unusually large, painting by Jan Breughel the younger. And more news: Joy got lost again in an art gallery! She always blames the poor maps which don't relate to the items actually there like lifts and staircases, but there's always that ...
It's FRIDAY!! FRIDAY!! Gotta get down on FRIDAY!!
... back in the US, I think it's because here in France people actually eat at the places they buy their food and they don't just take it home from the drive through. I took pictures because it was really cool inside. I think Claire thinks I'm weird for taking picture of McDonalds, but I was telling her how different it looks, it looks cleaner! Emily found us a table and we sat down to chat and eat. It's cool hearing ...
Tuesday: 3 more days until the weekend!
... mmmm! We also chose Mexico as the other country because we want to bring it to the Americas plus there's more Mexicans in our group than any other nationality. I'm in a group with 4 other people: Denisse and Memo from Mexico, Larissa from Germany and Chae from S. Korea. After class I met a bunch of people to go to this student office to buy a ticket for Oktoberfest in Munich. Which was really stressful.
First, before I went to ...
Finally arrived in NANCY! Yayy :)
... to get up at 5am.
Thursday the 28th was a very stressful day because I didn't know that would be the last time I would get WIFI for a while. (I know I sound so spoiled, but you don't know how it is to be cut off). Ellie left before I did to Paris and I got up later around 8am and went to grab breakfast and check out. It was so weird not having Ellie around because she was usually there. When I finished eating I grabbed ...
A national strike
... After class, Fabiola and I went to get lunch and then I went to go to the library to do some work. I saw a sign on the door that said 'because of the national strike the library is closed." Wonderful! France has bad timing. It's the exam season and people need to be at the library. This is rough. I wonder how much stuff is closed today. The places to eat on campus are still open, but I don't know about downtown.
I was going to be so productive this afternoon ...


text:
Fabulous two story custom westport home with stucco exterior and tile roof located on a corner lot on the water in the prestigio......
Neighborhood: Ft. Bend Central
Subdivision: Riverstone
Missouri City, TX 77459
4 Bedroom, 3.5 Bath
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Spacious 1 story home. 4 bedrooms, 3. 5 baths, 3 car garage on 1. 27 acres. Home features mazista stone floors in entry, den and......
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High Strangeness
Demon attacks school - Prayer team called in for possessed student
The Jamaica Star Online
Tue, 05 Feb 2013 18:59 UTC
The Star understands that the demon revealed himself and discouraged other students from praying for the possessed girl warning them that if they disobeyed he would leave the girl's body and enter theirs instead.
It was also understood that fear hung over the institution forcing the school's administration to seek the assistance of a special prayer team that specialises in demon possession. The prayer team is from a nearby church.
When the team arrived, they were reportedly greeted by a group of Baptist pastors who were eager to lend their assistance to rid the school of the demons.
Subsequently, the school's administration summoned students to a general prayer assembly feeling confident that the scare had ended but they were in for a surprise.
Bird's head
"The pastors said dem feel the evil spirit all over the school so they called the school population to an assembly. In the middle of assembly, suddenly out of the ceiling, a bird's head, cut off from the bird, drop down in the middle of the assembly. It was chaos after that," a source who witnessed the incident said.
The school's vice-principal was reluctant to elaborate on what transpired at the school on the day of the incident and downplayed it as something minor.
"That's something at the school. I'm not going to disclose what took place. Whatever took place was not something drastic. Whoever told you should have given all the details," she said.
When further pressed in an attempt to determine the credence of the allegations, she remained tight-lipped saying only, " I don't have anything to say about that ".
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text:
Looking for a craftsman/mission style flat screen tv stand
I just recieved a craftsman style tv stand from the Home Decorator's Collection catalog. I was so dissapointed when I started taking out the pieces. It was very poor quality. Some pieces were split at critical points, some veneer was ripped up, some dents in exposed areas. It had lots of POTENTIAL though! I know you get what you pay for but this was almost $500! Needless to say I am returing it for a full refund. I will post a link of it below. Anyway, does anyone else know where I can find something similar? Thanks much, Rich
Hi there, Your post caught my eye because we are looking for the same thing.
I am not sure of your budget, but my husband and I are considering a Stickley mission style stand in quartersawn oak. They are having a winter sale right now and we were quoted approximately 5 times of what you paid for a 68" wide stand. They do make a 2 door model as well. We are considering it an investment, since the TV and it will be the focal point of our small living room.
I bought a 66" TV stand in quartersawn oak for $2000 from missionliving.com I couldn't find anything on the internet good or bad about them other than their site so I took the leap. The piece took 6-8 weeks to make and ship and I am very happy with it. Very high quality. All solid wood, no veneer. Very sturdy construction. Dovetailed draws, etc.
It shipped via freight with curb service which means that a truck with a liftgate pulls up and the use a pallet jack to pull the piece to in front of your house and they leave it there. You have to move it inside, unpack it etc. At 300+ pounds for a TV stand that might not be feasible for everyone to do. I had no problem with it. Had two friends come over and help me carry it to the second floor and unwrapped it there. Very well packed, no damage at all. I think they offer 'white glove delivery' also (where they bring it in your house and unpack it for you) but there's a significant charge for it...
Here is a link that might be useful: Missionliving.com River Oaks TV stand


text:
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text:
Fertilizers and Sun q's.
Right now I have my Rajapuri, Super dwarf cavendish and dwarf red in pots from over wintering them. I grew them outside last year but they were in the wrong spot and I want to do it right this year.
My first question is, what fertilizer numbers should I be using? I'm NOT growing these guys for foliage.
Also, I had them in part shade last year. Right now they're in full sun but it's not that hot yet, in the 80's. It can get to the 100's every day in the summer. How much shade should I plant them in? The only place I have part sun for them is by the woods and it's hard to get the hose out there.
Okay, I forgot one other question. My Rajapuri doesn't have it's grandmother stem yet but it's a couple of feet tall. Is that normal?
And my dwarf cavendish has three stems, when should I seperate the third or do I even have to unless it gets fairly large?
It has been a week since you posted and no one has answered so I will give it a shot.
For fertilizer, any balanced one will do ie: 30-30-30.
Sun is fine for these guys.. they love it, you will just have to water more.
I know nothing about the rajapuri.. sorry.
Your DC can be seperated when the pup gets about 1/2 the size of the parent plant. Hope that helps.
Sorry for the late answer.
Bananas can be grown in full sun if there's plenty of water and the plants are fairly large. Pups like some shade. You can plant them in full sun and use a shadow-curtain, used for glasshouses, if it's too hot.
I grow the smaller plants in 30% shadow.
If you don't grow them for foliage, like I do as well, I should use a fertiliser with more K. Ex: 10-5-25.
What do you mean by: "it's grandmother stem" ?


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text:
Simultaneous prediction of protein secondary structure and transmembrane spans
Article first published online: 10 APR 2013
DOI: 10.1002/prot.24258
Copyright © 2013 Wiley Periodicals, Inc.
Proteins: Structure, Function, and Bioinformatics
Volume 81, Issue 7, pages 1127–1140, July 2013
Additional Information
How to Cite
Leman,, J. K., Mueller, R., Karakas, M., Woetzel, N. and Meiler, J. (2013), Simultaneous prediction of protein secondary structure and transmembrane spans. Proteins, 81: 1127–1140. doi: 10.1002/prot.24258
Publication History
- Issue published online: 17 JUN 2013
- Article first published online: 10 APR 2013
- Accepted manuscript online: 24 JAN 2013 10:30AM EST
- Manuscript Received: 29 MAY 2013
- Manuscript Accepted: 9 JAN 2013
- Manuscript Revised: 3 JAN 2013
Funded by
- NIH. Grant Numbers: R01 GM080403, R01 MH090192
- NSF. Grant Number: Career 0742762
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text:
Do These Movies Make You Snack More? [VIDEO]
Do you love watching movies? Well if you watch these movies, you may want to watch what you are eating too.
Do you love watching movies? Well if you watch these movies, you may want to watch what you are eating too.
Taylor Swift doesn't keep her love for cats a secret -- especially her cats! The starlet uses social media, live TV shows and interviews to profess her love for her furry feline friends, Meredith and Olivia Benson, as is evident in this fun compilation video.
Oh selfies. Pretty much everyone has done them. Have you been caught doing them? Check out this hilarious video this father caught of his daughter in the back seat.
Are you an amateur photographer with your phone? However, the images are not the best at times, right? Here are some tricks to get some really cool shots!
The Denver Zoo's hippo Bert just turned 58-year's-old. Bert is the oldest known hippo in the world, at least at accredited zoos.
A senior in high school gets suspended for using manners. All from a sneeze. Really?
Todd Harding had a pig roast for his wife's 50th birthday. It got him to think. What if a pig roast were a celebration where everyone made fun of the pig.
This isn't exactly like the movie "Arachnophobia," but that doesn't make this any less creepy to watch.
I don't drink beer and I really don't like bananas, so I am providing this video as a public service. It's really quite simple, but it is very important to follow all the steps in this very brief tutorial.
Todd's family in North Carolina have a very friendly wild bird, that thinks it is part of the family. We have a couple pictures
Dogs can be really funny and react all different ways, especially when there is food involved.
Not all women care only about money, but you'd be hard pressed to say this one doesn't have dollar signs in her eyes.