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- Bulletin Board (12)
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- For the Record (232)
- News (1,700)
- Research (163)
- Save the Date (400)
- Site Spotlight (6)
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- Year of the Faculty (40)
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Newest Posts
- Arts and civic leader Caren Prothro to be honored in 2015 "Meadows at the Meyerson" Tuesday, March 31
- Princeton Review ranks SMU Guildhall #3 among graduate game-design programs in 2015
- Two world premieres are highlights of Meadows' 2015 Spring Dance Concert, March 25-29
- Calendar Highlights: March 25, 2015
- Associate Provost Harold Stanley named interim SMU provost
Bulletin Board
Tag Archives: Department of Education Policy and Leadership
SMU's Caruth Institute for Engineering Education names Leanne Ketterlin-Geller director of K-12 STEM Initiatives
SMU's Caruth Institute for Engineering Education has named Associate Professor Leanne Ketterlin-Geller as its new director of K-12 STEM Initiatives. A faculty member in education policy and leadership and director of research in mathematics education in the Annette Caldwell Simmons School of Education and Human Development, Ketterlin-Geller will … Continue reading
Posted in Faculty in the News, For the Record, News, Year of the Faculty Tagged Annette Caldwell Simmons School of Education and Human Development, Caruth Institute for Engineering Education, Delores Etter, Department of Education Policy and Leadership, Education Policy and Leadership, faculty achievement, faculty news, faculty research, K-12 education, Leanne Ketterlin-Geller, Lyle School of Engineering, Marc Christensen, Research in Math Education, STEM education, STEM prep Comments Off
Calendar Highlights: Oct. 3, 2013
Higher Education Colloquium: The Department of Education Policy and Leadership presents a panel on the impact of changes in national and state policy on college student success and financial aid. The panel includes Don Heller, Professor and Dean of the … Continue reading
Posted in Calendar Highlights Tagged Andrés Díaz, Bob Huffaker, Darwin Payne, Department of Education Policy and Leadership, Don Heller, Dr. Fenella G. France, Ekaterina Gumenyuk, Family Weekend, Global Early Modern Studies Lecture Series, Hando Nahkur, Hugh Aynesworth, JFK 50th anniversary, Laura Perna, Matt Albert, Meadows Artist Diploma Program, Meadows Virtuosi Players, Michael Gaudio, Michael Harris, Michael McLendon, S. Griffin Singer, Scott Thomas, US Library of Congress Comments Off


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Space News Archive - July 12, 2012
Tropical Storm Daniel was once a hurricane and now a rapidly weakening tropical storm as a result of moving over cooler waters.
Scientists announced on Wednesday they have discovered the smallest moon yet, orbiting around the dwarf planet Pluto.
There are satellites for nearly everything out in orbit now-a-days, including some that are meant just to provide measurements of the surface temperature of oceans and seas.
A team of scientists from the U.S., Japan, France and Canada were interested in seeing how C. elegans reacted to living in weightlessness.
Virgin Galactic hasn't even taken a tourist to space yet, but the company is already expanding its means by partnering with Planetary Resources to launch tools into space.
Richard Branson announced on Wednesday at the Farnborough airshow near London that he and his family would be on Virgin Galactic's first trip into space.
The Hubble Space Telescope has helped scientists unravel the mystery of the extremely faint dwarf galaxies.
Caltech simulation points out how to detect a rapidly spinning stellar core
- The practice of two or more parties jointly purchasing all or part of a butchered cow and dividing the meat between them.

subset: commoncrawl


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Saturday, April 11th in Eastland!
2015 info for cooks
This event is made possible by contributions by the following sponsors:
|KATX Radio
|Amy's Cards & Gifts
|Bird Electric
|City of Eastland
|Comanche Electric Cooperative Association
|J&J Air Conditioning
|Norma Taylor
|White's Ace Hardware
|Randy & Debbie Wharton
|Eastland County Tire
|Fullen Motor Company
|Security Title Company
|Pamela J. Chaney, Attorney
|RE/MAX Crossroad Realtors
|Oncor Electric Delivery
Vendor Location Information
Cooking Team Location Information
Schedule of Events
6:30 PM Friday - 8:15 AM Saturday - Cookers move in
9:00 AM Saturday -
Mandatory Cooks Meeting
(Rules for the competition will be discussed)
9:20 AM - Ribs distributed to Cooks
5:00 PM - Judging of Ribs
6:00 PM - Announcement of Prize Winners
6:30 PM - Meal for ticket-holders ($15 each)
Don't miss live entertainment all day long!
Download Entry Form and Rules
Download Vendor Booth Application


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Thistles out of lawn
Hi, I'm trying to get ahead of these little buggers before they start to grow. I don't know what kind they are, they are fairly small in size and when I use the plucker on them, the root is very long and usually only one as opposed to several. But plucking them only helps for a while, soon they come back in full force and I can't get them all.
I want to know if there is something I can put on the lawn to get rid of them. I have tried weed n feed but only applied it twice in a season, it didn't seem to help. Should I be doing it more regularily? Just when I think I have it licked, they appear in the early fall. My lawn was in pretty bad repair when I moved here, so I thought if I thickened it up the grass it would choke out the weeds, NOT!
I have done some reading, but nothing really seems to hit on just thistles.
What kind of grass do you have? If you have cool season grass, Speedzone will do the trick. Just spot spray as you see them come out. Will work in temperatures above 40 and below 85 or so. Type in your zip code to the left on the webpage to find out who sells it. Just copy and past the address below into your browser.
I have done some reading, but nothing really seems to hit on just thistles.
Maybe you need to read different stories to your thistles, heh, heh.
How often do you water?
How high do you mow?
How often do you fertilize?
What kind of grass do you have?
Where do you live?
dchall, funny, funny
I water on the average 2x's a week,
I mow once a week not on a low setting
I usually weed n feed in the spring, not a frequent feeder :( just due to laziness)
I believe the grass is Kentucky blue grass
I live in south central Montana (not in the mountains, more in the plains)
I did a search for the speedzone, sounds like it might do the trick. And there are several places nearby to buy it.
I recently bought Eleanors VF-11 and plan on using it for the lawn as well as flower beds, so hopefully I will see some results w/the combination of the two. Thanks for the help.
I suspected the answer to the fertilizer question. When stickers grow in a lawn it usually indicates infertility. I suggest the following.
1. Never use weed n feed products. Use one or the other, or both, but the combination product is not working for you (or anyone else).
2. Assuming you use chemical fertilizers, wait until your grass (not weeds) is growing enough that you have to mow it for the second time. Then fertilize with a plain fertilizer at the recommended rate and water it in.
3. On Memorial Day, fertilize again with a regular fertilizer.
4. On Labor Day, fertilize again. If you really have KBG then it should have completely filled in by this time.
5. On Thanksgiving, fertilize again.
or, if you are interested in trying an organic approach, you can use ordinary ground up animal feed (corn meal, alfalfa pellets, soy bean meal, cottonseed meal, or whatever you have ground to powder or pellets at the local feed store). The application rate is 10-20 (or even 30) pounds per 1,000 square feet. You can start using that 3 weeks before the grass starts to grow. I use the "last frost" date as a guide. After the first app of organics, follow the same schedule with Memorial Day but you can also apply on July 4th.
I realize none of this is totally lazy, but you're going to have to do it to get rid of the stickers.
I also want to suggest that you are watering far too frequently. During the cooler part of the year, which is most of the year in Montana, you should be able to water once every 2 weeks. You'll have to water more deeply, but it will work out better for you in every aspect of your lawn care. This is a much lazier approach to make up for the less lazy approach to fertilizing above.
I'm not sure how early winter hits on the plains in MT, but depending on conditions, Thanksgiving might be too late for the last application. You want to fertilize the last time while the grass is still green, but after the top growth has stopped. Around here, that might be late October or early November. Waiting until Thanksgiving would likely mean I'd be fertilizing snow.
One other thing I'd add is that if you aren't already mulch mowing, you should start. Mulch mowing returns about 1/3 of the nitrogen your lawn uses and also reduces the need for watering.


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American Legion
WWAY's Thursday night sports - August 8Submitted by John Rendleman on Thu, 08/08/2013 - 11:22pm.READ MORE:
On Thursday night we checked out baseball playoff action. The Wilmington Sharks had a chance to wrap up their first round series, but the Peninsula Pilots had different plans. Wilmington Post 10 was victorious though. Post 10 advances to the winner's bracket of the legion baseball regionals. Lori Beth Adams made a valiant effort, but the UNCW senior came up short at the U.S. Women's Amateur in Charleston. Plus more! Full story...»
WWAY's Wednesday night sports - August 7Submitted by John Rendleman on Wed, 08/07/2013 - 11:23pm.READ MORE:
The Wilmington Sharks rallied on Wednesday night for a home playoff victory over the Peninsula Pilots. UNCW golfer Lori Beth Adams is still alive in the U.S. Women's Amateur in Charleston. Former UNCW Seahawk basketball standout Keith Rendleman is packing bags in order to head to Korea. Full story...»
WWAY's Tuesday night sports - August 6Submitted by John Rendleman on Tue, 08/06/2013 - 11:58pm.READ MORE:
With two solid rounds of golf UNCW's Lori Beth Adams has advanced to the match play portion of the U.S. Women's Amateur in Charleston. 156 golfers started the competition on Monday, but only 64 will compete in match play. The playoffs start at home on Wednesday for the Wilmington Sharks. Post 10 starts regional play on Thursday in Asheboro. Plus more! Full story...»
WWAY's Monday night sports - August 5Submitted by John Rendleman on Mon, 08/05/2013 - 11:59pm.READ MORE:
The Wilmington Sharks won 9 of their final 12 games to secure the 3rd seed in the Coastal Plain League baseball playoffs. Wilmington will host a playoff game on Wednesday. UNCW golfer Lori Beth Adams had a solid round in the first round of the U.S. Women's Golf Amateur in Charleston. Plus more! Full story...»
WWAY's Sunday night sports - August 4Submitted by John Rendleman on Sun, 08/04/2013 - 10:52pm.READ MORE:
The Wilmington Hammerheads picked up a must win game on the road on Sunday, but the Hammerheads are going to need outside help to make the playoffs even if Wilmington wins the final three games of the regular season. Only one game remains for the Wilmington Sharks in regular season play. The playoffs start on Wednesday for the Sharks. The bracket is set for Post 10. The SE Regionals begin on Thursday. Plus more! Full story...»
WWAY's Wednesday night sports - July 31Submitted by John Rendleman on Wed, 07/31/2013 - 11:20pm.READ MORE:
Post 10 needed a comeback in order to win the state title for legion baseball. The Wilmington based squad waited until the ninth inning, but that was enough to hold off Kernersville. Check out WWAY's coverage from Wilson! Pender High has a new girls head basketball coach. A Wilmington youth basketball team recently won a national title. Plus more! Full story...»
Wilmington Post 10 wins second straight state titleSubmitted by WWAY on Wed, 07/31/2013 - 3:25pm.READ MORE:
A ninth inning rally led Wilmington Post 10 to its second straight state title this afternoon. It's the tenth state championship for Post 10. Full story...»
WWAY's Friday night sports - July 26Submitted by wway news on Fri, 07/26/2013 - 1:58pm.READ MORE:
Friday was a big game for the Wilmington Hammerheads. Watch tonight's video for highlights of sports action in the Cape Fear. Full story...»
WWAY's Wednesday night sports - July 24Submitted by John Rendleman on Wed, 07/24/2013 - 11:53pm.READ MORE:
Keith Rendleman didn't hear his name called at last months's NBA Draft, but UNCW's all-time leading rebounder did hear his name called on Wednesday at the Korean Basketball League Draft. A former New Hanover Wildcat will have to sit out the upcoming football season at East Carolina. The Wilmington Sharks played more than nine innings on Wednesday. Plus more! Full story...»
WWAY's Tuesday night sports - July 23Submitted by John Rendleman on Tue, 07/23/2013 - 11:15pm.READ MORE:
The schedule is set. Defending champion Wilmington Post 10 enters the North Carolina American Legion state tournament as the favorite this weekend in Wilson. Check out our feature on Post 10. It's now official, Chris Haney is the new head football coach at East Columbus High School. Plus more! Full story...»


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AOL Latin America Launches New Version AOL 7.0 in Puerto Rico; Puerto Rico Becomes First AOL Latin America Market For AOL's Most Recent Upgrade of 7.0.
SAN JUAN, Puerto Rico--(BUSINESS WIRE)--Oct. 16, 2001
Enhanced Features Make World's Most Popular Online Service Even More
Valuable; Radio@AOL; Upgrade Includes Seamless Access to Dynamic
High-Speed Audio and Video Content, and More
America Online Latin America, Inc. (NASDAQ:AOLA) today announced the launch of its new version, AOL 7.0, in Puerto Rico-- making Puerto Rico the first AOL Latin America market to roll-out AOL's most recent upgrade. Also launching today in the U.S., AOL 7.0 integrates leading programming, breakthrough music and entertainment features, and easy access to high-speed content to create the best online experience ever.
Based on extensive consumer research and member feedback, AOL 7.0 ushers in the next era of the Internet with quality and performance enhancements to the most popular features of AOL such as e-mail, instant messaging and the Buddy List (R) feature; a clean, streamlined design; the arrival of the online radio service Radio@AOL; and seamless access to high-speed audio and video content for members on any broadband connection.
Providing Puerto Rican Consumers With The Best Online Experience
Charles Herington, President and CEO of AOL Latin America, said: "AOL Latin America is pleased to be able to bring this latest upgrade of the world's most popular online service to the consumers of Puerto Rico. Today's launch begins the Internet's next chapter both in the U.S. and in Latin America with the simultaneous release of the upgrade for members of both Puerto Rico and the U.S. services. Now consumers in Puerto Rico will enjoy AOL 7.0's added convenience, ease of use and services such as Radio@AOL and seamless broadband access. We are confident that as we roll-out this offering in the region it will drive AOL Latin America's continued subscriber momentum"
Ramon Magual, General Manager of the AOL branded service in Puerto Rico, said: "The release of 7.0 in Puerto Rico reflects a commitment to providing consumers with the best online experience available. The AOL branded service in Puerto Rico offers consumers here all of the content and and the same great online experience as the U.S. service combined with localized channel offerings to reflect the unique culture and lifestyle on the island. In the coming months, we plan to further enhance and localize this AOL version to provide AOL members in Puerto Rico with even more content and services that are relevant to their daily lives."
Enhancements to AOL's Most Popular Features
AOL 7.0 includes many enhancements to the popular features members are already using each day, including:
-- Enhanced e-mail that indicates whether recipients in an e-mail message are currently online, along with a one-click way for members to add new Screen Names to their Address Book and Buddy List; -- New instant message & Buddy List feature updates include the ability for members to quickly expand an instant message conversation with one person into a chat with multiple friends. Members can also customize their instant messages with more than 70 new Buddy Icon designs including characters and images from Harry Potter, Cartoon Network and Warner Bros. Animation's Looney Tunes; -- The new AOL Media Player, offering support for playback of members' own CDs in addition to nearly all major audio formats, volume control and the capabilities to load, play, and organize playlists; -- Automatic reminders via e-mail or wireless phone or pager for events noted in My Calendar and a new, comprehensive Event Directory offers a wide selection of local options to help members round out their plans and stay up-to-date with events taking place in their city; -- The next-generation of the AOL.com Web site, with an expanded suite of e-mail and other features for members to access while away from home, including the ability for members to view their own Buddy List and send instant messages directly from the Web; -- Graphical smilies in People Connection Chat -- one of the top tested features in beta testing for 7.0; -- A soon-to-be-launched AOL Alerts feature that lets members choose to receive alerts they select about news, live sports scores and daily roundups, stock quotes, weather forecasts and inclement weather updates either online or on their mobile device or pager; and -- Significant improvements in compatibility with screen readers, an assistive technology primarily use by people with visual impairments that speaks aloud what our sighted members see on the AOL service. A new Keyword: Accessibility provides help for using the AOL upgrade with screen readers, screen magnification, voice recognition and other assistive technologies.
New AOL Broadband Content Throughout Service
AOL 7.0 is designed to provide both dial-up consumers and consumers accessing AOL via a broadband connection with an experience that is optimized for their connection speed. For the growing number of consumers adopting high-speed connections, it delivers seamless access to the Internet's best selection of audio and video content.
AOL's broadband services combine the advantages of a broadband connection -- including instant-on capability and the ability to make the most of online audio and video -- with the convenience and ease-of-use that have made AOL the world's most popular online service.
With these services, consumers sign on to AOL instantly, move between Web sites and download large files quickly, eliminate the need for a second phone line to let family members be online and talk on the telephone at the same time; and begin to enjoy high-speed broadband's capabilities to enable next-generation services such as home networking, interactive gaming and more.
The AOL 7.0 upgrade automatically detects when a member is signed on at high speed, and seamlessly integrates featured content into a "High-Speed AOL" area on the Welcome Screen, AOL channels and sites, replacing the separate "multimedia tower" that was used to display high-speed broadband content in previous versions of the AOL service.
Among the content offerings that this integration puts one click away are:
-- News reports and live coverage from CBS News, CNN, and the
Weather Channel;
-- Sports highlights and more from the NFL, NBA, and NASCAR, as
well as CNNSI, HBO Sports, CBS Sportsline, and Turner Sports;
-- Music videos, concerts, listening parties, interviews, and
more, as well as special features from partners like Rolling
-- Movie previews, animated content, short video clips, and
entertainment news from HBO, Moviefone, Warner Brothers
Online, E!, Cartoon Network and others;
-- Business and technology news from CBS Marketwatch and CNET;
-- Interactive features and animated cartoons for Kids from
Cartoon Network, Kiddonet and Warner Brothers Online; and
-- Travel destination guides and previews from Travelocity.
The AOL branded service in Puerto Rico is built on the AOL U.S. service and offers all the features, content and functionality available to U.S. members. In addition, the AOL branded service in Puerto Rico also offers consumers a choice of content and features specifically designed for the Puerto Rican marketplace, such as Spanish and English language content and local news. When members in Puerto Rico log on, they can access a customized Puerto Rico channel bar at KW: Canales PR, highlighting local content on seven customized channels: Noticias, Deportes, Entretenimiento, Guia Local, Internacional, Educacion and Solo Para Ninos.
AOL members can upgrade to AOL 7.0 at KW: Upgrade. Others can download the new upgrade at www.aol.com.pr.
About AOL Latin America
America Online Latin America, Inc. (NASDAQ:AOLA) is the exclusive provider of AOL-branded services in Latin America and has quickly become one of the leading Internet and interactive services providers in the region. AOL Latin America launched its first service, America Online Brazil, in November 1999, and began as a joint venture of America Online, Inc., a wholly owned subsidiary of AOL Time Warner Inc. (NYSE:AOL), and the Cisneros Group of Companies. Banco Itau, a leading Brazilian bank, is also a minority stockholder of AOL Latin America. The Company combines the technology, brand name, infrastructure and relationships of AOL, the world's leader in branded interactive services, with the relationships, regional experience and extensive media assets of the Cisneros Group of Companies, one of the leading media groups in the Americas. The Company currently operates services in Brazil, Mexico and Argentina and serves members of the AOL-branded service in Puerto Rico. It also operates a regional portal accessible at www.aola.com. AOL's 31 million members worldwide can access content and offerings from AOL Latin America through the International Channels on their local AOL services.
About America Online
America Online, Inc. is a wholly owned subsidiary of AOL Time Warner, Inc. (NYSE:AOL). Based in Dulles, Virginia, America Online is the world's leader in interactive services, Web brands, Internet technologies and e-commerce services.
This release contains forward - looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, including statements regarding our future subscriber growth momentum, the roll out of AOL 7.0 in additional countries we service, and enhancement and localization of the AOL branded service in Puerto Rico. These forward looking statements are subject to a number of risks and uncertainties, which are described in our Transition Report on Form 10-K for the transition period ended December 31, 2000, and from time to time in other reports we file with the SEC, as well as the following risks and uncertainties: the impact our continued losses will have on our ability to finance our operations, our limited operating history, uncertainty relating to our ability to convert our subscribers into paying subscribers, the actions of our competitors, and our ability to penetrate our markets. Actual results could differ materially from those described in the forward-looking statements.
Reader Opinion
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Grand Hotel Federico II, Palermo
Situated in the heart of Palermo, Grand Hotel Federico II is within walking distance of Politeama Garibaldi Theater, Teatro Massimo, and Regional Archaeological Museum. Also nearby are Cuba and Church of San Cataldo.
Hotel Features.
This romantic hotel offers a restaurant and a bar/lounge. Complimentary wireless and wired high-speed Internet access is available in public areas and a computer station is located on site. Business amenities at this 4-star property include a 24-hour business center and a meeting room. The staff can provide tour/ticket assistance and wedding services. Additional amenities include a rooftop terrace, a terrace, and multilingual staff. Guest parking is available for a surcharge. The property has designated areas for smoking.
The 60 air-conditioned guestrooms at Grand Hotel Federico II include laptop-compatible safes and minibars. Guests can use the in-room complimentary wireless high-speed Internet access. Rooms are equipped with LCD TVs with satellite channels. Bathrooms offer shower/tub combinations with deep soaking bathtubs. Bathrooms also include bathrobes, bidets, and hair dryers. Additional amenities include slippers and blackout drapes/curtains. In addition, a turndown service is provided nightly and amenities available on request include in-room massages.
Hotel Federico is a lovely hotel. Well worth the money too. The location is amazing and…
We had a pleasant stay in this hotel. The location of this hotel is perfect, its situated…
Enter dates to check prices
Hotel Info: 866-539-8117from $65
- Superior Double Room Single Use
- Superior Triple Room
- Superior Room
- Standard Double or Twin Room
- Junior Suite
Recommended hotels
At a glance
Key facts
Hotel size
- This hotel has 60 rooms
- This hotel is arranged over 6 floors
- Check-in time 2 PM-midnight
- Check-out time is noon
- Express check-in/out
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- Babysitting/childcare
- No pets or service animals allowed
- Pets allowed (dogs and cats only)
- Free WiFi and wired Internet access in public areas
- Free WiFi in rooms
- Self parking *
Nearby Four Star Palermo hotels
In the hotel
- Restaurant
- Bar/lounge
- Room service (during limited hours)
- 24-hour business center
- One meeting room
- Computer station
- 24-hour front desk
- Tours/ticket assistance
- Dry cleaning/laundry service
- Laundry facilities
- Free newspapers in lobby
- Luggage storage
- Wedding services
- Number of buildings/towers - 1
- Elevator/lift
- Designated smoking areas (fines apply)
- Rooftop terrace
- Terrace
- In-room accessibility
In the room
- Climate control
- Air conditioning
- Minibar
- Bathrobes
- Slippers
- Blackout drapes/curtains
- Soundproofed rooms
- Turndown service
- Premium bedding
- In-room massage available
- Private bathroom
- Deep soaking bathtub
- Bidet
- Hair dryer
- Satellite TV channels
- Desk
- Free WiFi
- In-room safe (laptop compatible)
Top Palermo hotels
Recently reviewed hotels in Palermo
- Albergo CavourFrom
"very convenient location near the train/ bus station ....quiet and large clean rooms with friendly service for an excellent price"Feb 26, 2015
- Best Western Ai Cavalieri HotelFrom
"We did find our room nice, though the scent each day was a little overpowering. Location was good for sightseeing, and the breakfasts were delicious. Room to sit and talk was very…"Feb 25, 2015
- Palazzo BrunacciniFrom
"Had a very nice stay in Palermo at Hotel Palazzo Brunacinni, the staff are super friendly and very helpfull, the Hotel is situated in the middle of the old Palermo, and despite…"Feb 24, 2015
- Casa ManzellaFrom
"awesome, excellent"Feb 23, 2015
Nearby hotels
Special features
DiningOnsite venue - This restaurant serves breakfast, lunch, and dinner.
Grand Hotel Federico II, Palermo's small print
Also known as
- Grand Hotel Federico Ii Palermo
- Grand Hotel Palermo
- Hotel Federico Ii Palermo
- Grand Federico Ii Hotel
- Grand Hotel Federico II
Cash transactions at this property cannot exceed EUR 999.99, due to national regulations. For further details, please contact the property using information in the booking confirmation.
For transfers, guests must contact the property 24 hours prior to arrival at the number on the booking confirmation.
Mandatory fees
You'll be asked to pay the following charges at check in or check out:
- A tax is imposed by the city: EUR 2 per person, per night, up to 4 nights. This tax does not apply to children under 12 years of age.
Optional extras
Parking is available nearby and costs EUR 16 per 24 hours
Airport shuttle service is offered for an extra charge of EUR 45 per vehicle (one way)
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.


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|Sq ft
|3 beds
|3.0 Ba
COZY 3BR, 2.5 BA Ranch on wooded lot. Has newer furnace, Central Air and water softener. Large kitchen with new countertops and ceramic tile floor. All appliances stay including washer and dryer (not warranted). New carpet and tile throughout, Beautiful stone Fireplace in family room, a formal dining room and living room. Two car attached garage with storage shed in back yard. Utilities are only $50/mo. for electricity, and $47/mo. for gas. No cost for water with a well and better tasting than Aqua. When the Homestead is filed the R.E. Taxes should be around $550 again.
|School Level
|Primary School
|Lafayette Meadow School
|Middle School
|Summit Middle School
|High School
|Homestead Senior High School
|This listing is priced
|Zip Code
|21% less than
|46804 Homes for Sale
|16% more than
|Parkway Hills Homes for Sale
|19% more than
|Homes for Sale in Fort Wayne
|13% more than
|Allen County Homes for Sale
|10% less than
|IN Homes for Sale
|Primary School
|48% less than
|Homes for Sale near Lafayette Meadow School
|Middle School
|22% less than
|Homes for Sale near Summit Middle School
|High School
|43% less than
|Homes for Sale near Homestead Senior High School
|Unified School District
|43% less than
|Homes for Sale near M S D Southwest Allen County School District


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12 Tips to Keep Your Child Safe
Unintentional injuries are the number one cause of death to children ages 14 and under in the US.
"Every year, one out of every four children needs medical attention for accidental injury," says Vickie Fisher, coordinator for Safe Kids Washoe County. "Sometimes even small things–properly using a car seat, installing window guards, making sure kids wear helmets when they bike or ride their skateboards–can pay huge dividends in preventing a life-threatening injury."
Here are 12 simple tips to keep your kids safe at home and on the road:
- Batteries
Keep coin lithium battery-controlled devices out of sight and reach of children because they pose a choking hazard. These include remote …
Preschoolers: Is a Nap a Day Keeping Sleep Away?
(via CBS News) Those afternoon naps that your preschoolers are taking may not be as beneficial as previously thought.
According to a new study published in the Archives of Disease in Childhood, children who nap beyond the age of two tend to fall asleep later at night and experience a reduction in sleep quality and duration.
"The most significant finding from our study is that there is not support in the current body of research for enforcing naps in preschool children to improve their health and well-being," say …
Research: Breastfeeding Benefits Babies' Immune Systems, Protects Against Allergies, Asthma
(Via Medical Daily) New research further proves breastfeeding benefits babies' immune systems within the first month. Breastfeeding researchers from the Henry Ford Hospital say they've discovered why some babies' immune systems become susceptible to developing allergies and asthma, while other babies are protected against it.
Researchers say their studies show that a sterile environment is not always good for babies and that the immune system is designed to be exposed to bacteria. If exposure to bacteria is minimized the immune system won't develop as it should. Breastfeeding exposes a baby to his mother's personal collection of microorganisms.


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Travel Now Pay Later at Absolutely 0%
Discover new and exciting travel destinations with your BDO or American Express Credit Card!
Promo runs until June 30, 2015.
Get up to P4,000 worth of FREE Cash Vouchers!
Apply for a new BDO Credit Card Online from Feb 1 - July 31, 2015!
Enjoy year round interest free shopping at The SM Store with your BDO Credit Card!


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AHA's increase exfoliation by loosening the "glue" that holds skin cells together. In doing so dead skin cells are removed, oil is controlled, the look of fine lines is reduced, skin coloring is improved and the tone is evened out. All glowy and smooth.
Sounds win/win to me. So why are some more effective or popular than others? Are there side effects? Why do they work?
Why the other AHA's are jealous of Glycolic.
You know when you see a ridiculously beautiful person and wonder why they won the genetic lottery? Well, Glycolic Acid is the pretty, intelligent, talented sister of the AHA's. It has a smaller molecular structure and goes further into the skin. Because it penetrates so well, the exfoliation is more complete. For more on Glycolic Acid, please see the blog post.
Overview of the overlooked AHA's.
Lactic: We've all heard the "Cleopatra bathing in milk" story. There is a reason. Lactic acid usually comes from soured dairy products and is gentler than Glycolic. With the larger molecules they don't absorb as deep, therefore cause less irritation, it's wonderful for more sensitive skins. Exfoliating, softening, moisturizing and humectant-y (holds water in the uppers layers of the epidermis=firm and plump!) lactic is definitely not to be ignored.
Malic: The sour acid. Found in unripe fruit, tart foods and especially apples, Malic is a gentle exfoliant that is smoothing. It does have anti-oxidant properties, but those are mostly from ingesting the foods it's found in. Like sour keys. Kidding. There's no research to indicate that it's topically beneficial in slowing the aging process, but it does provide a little more exfoliation when included in products. It's molecules are twice the size of glycolic acid so it doesn't go anywhere as deep.
Tartaric: Oh Tartaric. You try, you really do. This is a by-product from the grapes used to make wines. It has very minimal benefits, but enough that during the middle ages wine was used as a skin treatment by hip, castle-dwelling ladies to get glowing skin.
Citric Acid: Completely deserving of its own post, we'll touch on this quickly. Vitamin C can be extremely unstable in liquid or lotion products. When exposed to air or sunlight it oxidizes very quickly and actually causes free radical damage once that happens. Stabilized vitamin C is available but is very expensive so will come with a higher price tag accordingly. In those siuations it does wonders for stimulating collagen growth and brightening the skin beautifully. Vitamin C derivatives (Ascorbyl Plamitate and Magnesium Ascorbyl Phosphate) are more stable and less irritating but may may not be AS effective. More research is needed!
Either way, beware cheap products that claim Vitamin C as an ingredient, they won't work because as an effective ingredient it is pricey, no getting around that. Packaging usually needs to be opaque and in an airtight pump.
Are they safe?
What makes this interesting is that because of how deep Glycolic Acid can go it almost takes AHA's into the realm of being categorized as a drug. Almost. The Cosmetic Ingredients Review Report last looked into them in 1998 and the FDA should hopefully be doing a review again soon. As a result the percentages and pH are strictly implemented to protect the consumer.
What terrifies me while writing this is the amount of high percentage glycolics available on online auction sites for anyone with absolutely no training. Shudder.
So use only the suggested percentages for home use! When that's done, you get all the beautiful advantages of AHA's and no face melting.
AHA's are water soluble and less irritating to the skin than benzoyl peroxide, which makes them great for acneic skin. If you can find an AHA product that has salicylic in it, even better! Because it's fat-soluble, it can dissolve the oil that clogs pores, lifting out the bacteria and exfoliating away the clumped skin cells.
There can still be side effects of redness, tingling and some itching though. A small amount is ok, but if it becomes unbearable, just rinse away with water.
Tips for types of AHA products.
AHA's are wonderful. There is one out there for everyone if it's used properly and instructions are followed. They really do improve the look of skin, people just need to be careful! Thank you to @ ahalchemist for some great info on AHA's. Because information hasn't been updated in a decade it can be difficult to find relevant studies.
If you have any questions regarding which AHA products would be good for you, please don't hesitate to contact us at www.spaboutique.ca or at 1.877.224.4315.


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vission and mission hospital in india
Kanda Motors Mission
Kanda Auto Pvt. LTd. brings you the new age bike. And all that comes without spending much from your pocket at only a small amount. Its the Kanda Mission. A 100 CC regular commuter bike for the daily routie travellers. The bike has specs of an ideal dcommuter bike perfect for a regular city ride wit ... read more
Mahindra kine
Mahindra Kine has stylish streamlined design which ensures a comfortable riding posture and looks stylish too. Its youthful body graphics go with your personality and attract lots of attention. Spacious underseat storage allows to carry your helmet or that all-important kit bag wherever you go. Its ... read more
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New Cars
Maruti Omni
Maruti Omni is a MUV car which is powered by a 796 CC engine. The car has a Manual type of transmission/gearbox. The car runs on Petrol and sports a mileage of 14.7 Km/L. The dimensions of Maruti Omni are 3370X1410X1640 mm (length X width X height). Maruti Omni is priced at Rs. 2,54,555 (ex-showroom, New Delhi). ... read more
Rolls Royce Drophead Coupe
Rolls Royce Drophead Coupe comes in the Two-Door category of cars. Rolls Royce Drophead Coupe's engine has a displacement of 6749 CC while its transmission is of Automatic type. The fuel type of the car is Petrol. Rolls Royce Drophead Coupe has a mileage of 0.0 Km/L. Rolls Royce Drophead Coupe's dimensions are 5609X1987X1581 mm (length X width X height). Rolls Royce Drophead Coupe costs Rs. 4,20,00,000 (ex-showroom, New Delhi) ... read more
Used Cars
Maruti SX4 ZXI (2010)
less driven top model with 1 year comprehensive warranty and RSA card valid all over in India :) ... read more
|Registration no: HR26BB2052
|Colour: Silver
|City: Gurgaon
|Asking Price: 4,25,000
Fiat Grande Punto 1.2 Emotion (2009)
less driven maintain by service class person with 1 year comprehensive warranty and Insurance valid all over in India ... read more
|Registration no: HR26BA3512
|Colour: White
|City: Gurgaon
|Asking Price: 3,25,000
Upcoming Cars
Chevrolet Spin
The Chevrolet Spin MPV will be launched in India early in 2016, and is expected to be priced between Rs 8 lakh- Rs 11 lakh ... read more
Foton Tunland
You cannot ignore India as a automobile market and thanks to our increasing appetite for buying cars many new car-makers are coming in. The Chinese ca ... read more
User Reviews
Maruti 800 Reviews
This is realy excellent car in Indian Road also economical fuel consume and comfort driveread more
Maruti 800 Reviews
no car in india is efficient than maruthi make for indian cities and fuel rates...read more
Toyota is considering to set up an engine and transmission plant in India. The company may set up the new plant at its second factory in Bangalore. Th Read more detail
Volvo Auto India is going to launch sedan model S90 in India soon. The car will be equipped with a Euro V-compliant, diesel engine. "The Indian luxury Read more detail
Expert Reviews
Ford Fiesta versus Hyundai Verna Fluidic
Ford is currently the 6th largest car manufacturer in India and one of the largest in the world. Ford has been in India for a very long time and now i read more
Ford Figo Diesel Versus Chevrolet Beat Diesel
Hatchback car segment in India is one of the most popular and here we have two of the hottest selling hatchbacks in India today in their diesel varian read more
Rolls Royce Wraith Launch in India : Turbo 53
Rolls Royce has launched its most advanced and luxurious model yet in India - The Wraith ...view video
Yamaha FZ-S launch In India
Yamaha launched version 2.0 of their 150 cc bikes FZ and FZ-S in India. Priced at Rs 76,250 for the FZ and Rs 78,250 for the FZ-S, here's a closer loo ...view video
Forum Discussions
Cars resale value
Why in India, some cars have low re-sale value and some have high resale value
Chevrolet Cruze
In India, Chevrolet Cruze is one of the upcoming car model, when it will going to launch in india and what are specification of Chevrolet Cruze
New Car Dealers
Solamalai Automobiles Pvt Ltd ( Maruti)
28/ 5 B, Melur Road, Opp. Mennakshi Mission Hospital, Uthanguidi, Madurai - 625107, Tamilnadu., Uthanguidi
Phone: 0452 - 2583223
Phone: 0452 - 2583224
SOLAMALAI AUTOMOBILES PVT. LTD. ( Maruti)
Phone: 0452 -4289999
Used Car Dealers
Saif Enterprises
Sant Savta Lane No 2, Opp. Masina Hospital Bycu, Byculla, Mumbai, 400027, Maharashtra, IndiaMumbai, Byculla
Phone: 022 - 23730285
Phone: 022 - 23738472
Shree Sai Baba Motors
210, T H Kataria Marg, Nr Hinduja Hospital, Mahim, Mumbai, 400016, Maharashtra, IndiaMumbai, Mahim
Phone: 022 - 24456208
Phone: 022 - 24443311


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This item has been discontinued. The Home Depot no longer carries this specific product.
Super strong, lightweight and soft, protects furniture from rain, dirt, ice and snow. Tough, durable furniture covers are made from our exclusively designed fabric that are both durable and breathable, water resistant and will not crack or peel like vinyl. These covers are also soft so they will not scratch your furniture. Our covers come in a neutral champagne color to attractively match your patio area. Each cover comes with its own storage pouch for easy spring storage.
|Assembled Depth (in.)
|36.0 in
|Assembled Height (in.)
|92 in
|Assembled Width (in.)
|60 in
|Color Family
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|Outdoor Living Product Type
|Patio Furniture Cover
|Patio Furniture Features
|Machine Washable
|Product Weight (lb.)
|7 lb
|Manufacturer Warranty
|1 year Limited Warranty
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Live updates
Watch: Police guard the house targeted in Salford grenade attack
Police confirm explosion at house was hand grenade
While we are only in the early stages of our investigation, we believe this was a targeted attack and can confirm that a hand grenade was used.
Clearly this is something we are taking extremely seriously and I am sure people in the area will be hugely shocked by this news.
There are a large number of officers dedicated to investigating exactly what has taken place here and they will also be speaking to residents in the local area today and over the coming days.
Thankfully no one was injured during this attack, although the occupants of the address are understandably extremely distressed.
Make no mistake that we are going to find out exactly what has gone on here and why, and catch those responsible. This kind of violent behaviour on the streets of Salford will simply not be tolerated.
Explosion at a house in Salford
Police are at the scene of an explosion in Salford this morning. Officers were called to a house on Formby Road just before 1am. They say damage is consistent with an explosive device but no one was injured.
- ITV Report
Peter Kay spotted filming a new period drama in Salford
Peter Kay has been spotted in Salford filming for a new period drama.Read the full story ›
Salford school receives award for raising Child Sexual Exploitation awareness
An innovative new programme was launched at a school in Salford today to acknowledge and support high schools across Greater Manchester who are working hard to educate their young people about the issues surrounding Child Sexual Exploitation and how to protect themselves.
The Albion Academy in Salford was awarded the first CSE Ambassador accolade, which recognises them as a leading school in CSE education.
They received the accolade after making a three minute video about child sexual exploitation:
Damian Dallimore from Project Phoenix explains how sophisticated some offenders are and that often children don't realise they are being exploited until it's too late:
Watch: Brilliant time-lapse of solar eclipse in Salford
This fantastic time-lapse footage was captured by Nathan Dalby at Salford Quays and published on the Instagram page WeAreMCR.
Man charged over placing stickers against halal meat
A man has been charged with causing racially or religiously aggravated criminal damage after stickers condemning halal meat were placed around a supermarket in Salford.
The stickers reading "beware halal is barbaric and funds terrorism" were placed on food and equipment at a supermarket on Regent Road.
Salford services 'radically redesigned' in budget
Salford City Council has approved its budget for the next year which will see "radically redesigned" services as they look to save £31m.
In a statement the city's mayor Ian Stewart promised to freeze council tax for the sixth year running and protect adult social care services.
All our services will need to change, some may disappear and some may be delivered by other organisations alone or in partnership with the council. But we've made every effort to limit reductions and even invest in critical services where we can.
Watch: Cowardly would-be robbers chased off by shopkeeper
Police are hunting four men whose attempt to rob a shop in Salford was cut short when they were chased off by a shopkeeper with a stick.
At around 8pm on Tuesday January 27, the four men approached the Gardens Convenience Store in Ellesmere Park in Salford armed with crowbars and a hammer.
Three of the men stayed outside the shop and attacked the windows with crowbars, while the fourth man entered the shop armed with the hammer.
But as the offender approached the counter, the shopkeeper picked up a stick and chased him away. The offenders then all fled up the street empty-handed.
The offender with the hammer is described as white and around 5ft 6in tall. He was wearing a light grey tracksuit with a black balaclava and dark gloves.
I must commend the shopkeeper's bravery in this situation, chasing away four armed men with just a stick.
The offender who enters the shop takes just seconds to turn on his heels and run away, taking his friends with him.
They will not be winning any awards for bravery any time soon, but that should not detract from the fact they went to the shop armed to cause damage and perhaps even inflict injury.
Police speak out on hate crime after anti-semitic graffiti attack on Jewish community
Sir Peter Fahy, the Chief Constable of Greater Manchester, has spoken out after a swastika symbol was painted on a pavement in Waterpark Road, Salford - an area with a predominately Jewish population.
Figures released this week by the Community Security Trust showed the highest ever figure of anti-Semitic incidents recorded over the past year.
GMP says there has been an increase in such incidents since the terrorist attack in Paris and also an increase in hate incidents directed against Muslim individuals and institutions.
The force said it's "closely monitoring" all hate incidents and is asking the public to be vigilant.
The use of a swastika in this way is insulting not only to members of the Jewish faith but indeed to the families of all those who fought against Nazism in the Second World War.
"You have to wonder whether people who do this are incredibly stupid and don't understand basic history or are just evil in wanting to cause fear and distress.
"Hate crime is important because it insults people's deeply held beliefs and their backgrounds and history and that is why the police see it as a priority.
"This incident is not just about some paint on a flagstone it has a wider significance because of all the death, destruction and hatred that this symbol represents . "


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Nintendo DS
Skipping Levels for Rhythm HeavenHome / Nintendo DS /
This page contains Rhythm Heaven Hints for Nintendo DS called "Skipping Levels" and has been posted or updated on Jun 21, 2010 by OHdear123456. Let us know what you think of this Hint by thumbs voting.
Boxshot / Details
- Developer: Nintendo
- Publisher: Nintendo
- Genre: Miscellaneous Rhythm / Music
- Release Date: Apr 5, 2009
- ESRB: Everyone
Skipping Levels
After failing a level three times, the café will light up and the barista will give you the option to skip the game altogether. An "OK" will appear next to the level you skipped. Note: This might work for Remixes (we've heard both ways).
All Hints
Back to all Cheats
From: OHdear123456
Stuck on this game? Set a specific, clearly defined question and let others answer your question or view answers to previously asked questions. If you think you are an Rhythm Heaven expert then please try to help others with their questions.
Ask a Question
Trailers & Gameplay Videos
View All Videos
Rhythm Heaven - Fan Club 2 I Suppose
- May 14, 2014, Views: 54
Game Related Options
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- The Misshitsukara No Dasshutsu, (DS)
- Keiji J.B. Harold No Jikenbo: Satsujin Club, (DS)
- Maru Goukaku: Shikaku Dasshu! Shakaifukushi Samurai Shiken, (DS)
- Germany's Next Topmodel 2011, (DS)
- Disney Big Hero 6: Battle In The Bay, (DS)
Popular Videos
- Monster High 13 Wishes: The Official Game - We Are Monsters Trailer, (DS)
- The Wizard Of Oz: Beyond The Yellow Brick Road - Trailer, (DS)
- Yoshi's Island DS - Commercial Trailer, (DS)
- Yu-Gi-Oh! 5D's World Championship 2010 Reverse Of Arcadia - Gameplay Video, (DS)
- Zelda No Densetsu: Daichi No Kiteki - The Legend of Zelda: Spirit Tracks commercial, (DS)
- Style Savvy - Gameplay 1: Working With Grace, (DS)
- Pokemon Mystery Dungeon: Blue Rescue Team - Gameplay, (DS)
- WarioWare D.I.Y. - Gameplay Video, (DS)
More Nintendo DS Videos
- LEGO Harry Potter: Years 5-7 - Halloween Trailer, (DS)
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- Lego Batman 2: DC Super Heroes - Minifigures Trailer, (DS)
- Disney Planes: Fire And Rescue - Official Launch Trailer, (DS)
- Zelda No Densetsu: Daichi No Kiteki - The Legend of Zelda: Spirit Tracks commercial, (DS)
- Yu-Gi-Oh! 5D's World Championship 2010 Reverse Of Arcadia - Gameplay Video, (DS)
- Ys Strategy - Intro, (DS)
- Yoshi's Island DS - Commercial Trailer, (DS)


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Lady Gaga Fans at US Airways Center
By Melissa Fossum
The Evolution of the Metal Stage Show and the End of...
By Lauren Wise
By New Times
The Story of Kalliope, Phoenix's Extraordinary Party Car
By Amanda Savage
By Jason P. Woodbury
How a Single Tweet Launched A Cloud for Climbing
By Troy Farah
By New Times
Blazing Guns: It's true that Dallas quartet Uzigato was assembled two years ago by Joey Salerno, a former A&R man at Jive Records, the home of 'N Sync and the Backstreet Boys. But Uzigato's formation wasn't just some bit of music-industry manufacturing. Salerno quit his job with Jive's Ignition imprint to start up the punk-pop combo. And as the band's self-titled debut EP demonstrates, its Bikini Kill/L7-inspired muse couldn't be any further removed from genteel boy-band balladry (listen to the disc's lead-off track, "My Foot Your Ass," if you have any doubts).
Interestingly, the group constitutes a Dallas supergroup of sorts. Though Uzigato is drummer Salerno's first outfit, singer Rachel Strauss, guitarist Richard Paul and bassist Richard Garcia are all veterans of the city's Deep Ellum scene and well-regarded indie outfits like Pervis, rubberbullet and the Caffiends.
While the EP has already received heavy notice in punk and trash-rock quarters, the group is still readying its first full-length, expected to be out by early 2001.
Uzigato hauls into town this Wednesday, November 8, for a gig at the Emerald Lounge.
Sponsor Content


text:
Since 2011, when officials implemented a daily cap on visitors to protect and preserve the transcendent City of the Incas, it has become even more important to reserve tickets early.
Built at the height of the Incan civilization in what is now Peru, Machu Picchu was rediscovered one hundred years ago on 24 July, 1911.
One hundred years after it was discovered, some architectural treasures are still overlooked.
The Best Of Travel
Hollywood's hottest filmmakers are flocking to shoot on this rugged, windswept Scottish isle, making a cinematic tour of the area, well, epic.
Each January, the Orthodox New Year is welcomed in the small town of Vevčani by a boozy parade of extraordinarily costumed, masked — and politically active — participants.
One of the few of its kind, the narrow gauge railway loops travellers through verdant jungles, over canyon-spanning steel bridges and along the island's rocky coast.
When Tal Abbady first visited the Sri Lankan town of Hikkaduwa, it was reeling from the devastating Boxing Day tsunami. This year she returned to see how it has changed.
These five cities are among the most welcoming on Earth, thanks to hospitable locals who are quick to smile or help a stranger in need.
Thousands of people set out to climb Africa's highest peak each year, entering into a revered tribe of adventurers. But in the shadow of Mt Kilimanjaro, another tribe reigns supreme.


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This was my first time buying magic supplies online and I'm very impressed with the service which has gained my trust. If you live outside of America...Read More ->
This was my first purchase from MJM Magic where I found the service excellent. I needed guidance with one of the products and Jeff went the extra...Read More ->


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Ski Bindings - WomensProboardshop has the largest selection of Womens Ski Bindings available on the web! Our selection of Ski Bindings for Women is catered to be affordable, convenient and comfortable, specifically aimed to offer the best in ski security. Whether you're an aggressive and technical rider or you're a learning beginner, Proboardshop has the right pair of bindings with the best features most appropriate for you. Check 'em out today--we can ship out your purchases within 24 hours Monday-Friday!
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Expertise: Environmental Dispute Resolution
|Group Index
|Straube, Michele
|Professor (Lecturer)
|Environmental Dispute Resolution, Environmental Law
News and Events
Ingenious EDR Designs are Human Centered
"When you let people participate in the design process, you find that they often have ingenious ideas about what would really help them. And it's not a onetime thing; it's an iterative process." –Melinda Gates, Wired Magazine, November 2013 As organizations, agencies, and governments become more aware of the ever-rising cost of conflict (in economic, […]
Open Discussion is the Answer
By Jim Keyes for EDRblog.org. As human beings we have the ability to form thoughts and ideas in our mind. If not expressed, these notions remain our private property indefinitely. These surreptitious concepts are a little like the unknown plant that grows somewhere in the world that holds the cure for cancer. If we never […]
Book Review – Everything Is Workable: A Zen Approach to Conflict Resolution
By Mara Elana Burstein for EDRblog.org. Diane Musho Hamilton's new book, Everything is Workable: A Zen Approach to Conflict Resolution, is deeply personal and practically useful. It gives readers the overwhelming feeling that everything truly is workable. She helps her audience see the benefit of disputes—an opportunity to change and grow—while providing a road map to navigate […]
Straube Praises Daggett County Land-Use Accord in Deseret News Op-Ed
In a November 9, 2014 Deseret News op-ed, Michele Straube, Director of the Environmental Dispute Resolution Program at the Wallace Stegner Center for Land, Resources and the Environment at the University of Utah S.J. Quinney College of Law, stresses the importance of dialogue in resolving land-use issues. To support her argument, Straube uses the example of a […]
Comfortable with Uncertainty: Collaboration in the Time of Forest Plan Revision
By Kathleen Bond for EDR Blog.org. What's the key to involving stakeholders in the plan revision process? Be adaptive, flexible, and strive to provide a meaningful, substantive experience for both the Forest and participants. The Cibola National Forest (Forest) New Mexico is one of eight national forests selected to be an early adopter of the new […]
The Mountain Accord: A Model of Environmental Conflict Resolution for the Wasatch Mountains?
By Mayor Ralph Becker for EDR Blog.org Our urban communities adjacent to the Central Wasatch Mountains have an intimate and interdependent relationship with the mountains. In essence, our health, security, and economic prosperity are dependent on this mountain range. They provide clean drinking water, clean air, diverse recreational opportunities, and landscape-scale habitat protection. And, as […]
Are We Wired to Cooperate?
By Michele Straube for EDR Blog.org Maybe, maybe not … but if not, our brains are easily re-wired to cooperate. I recently participated in a panel discussion on Group Decision-Making as part of the Symposium on Science & Literature, co-sponsored (cooperatively, of course) by multiple University of Utah departments; the symposium co-directors came from Mathematics and […]
Collaboration and Partnerships in Public Land Management
By Cheryl Probert for EDR Blog.org Partnerships and collaboration seem to be all the rage in public land management. But do the feds truly understand what collaboration is or how to set up a sustainable partnership? Having recently muddled through setting up and trying to sustain a collaborative partnership on public lands, I would say that we […]
Welcome to the EDR Blog
By Kirstin Lindstrom for EDR Blog.org Welcome to the EDR Blog, hosted by the University of Utah's Environmental Dispute Resolution Program (EDRP). Established in 2012 as part of the Wallace Stegner Center for Land, Resources and the Environment in the S.J. Quinney College of Law, the EDRP exists to educate students and the public about the […]
March 20th Interdisciplinary Communication Event
Interdisciplinary Communication and the Role of the Environmental Lawyer 8:15 AM – 12:45 PMThursday, March 20, 2014Okazaki Community Meeting RoomCollege of Social Work (see map below) Hosted in conjunction with the ABA Section of Environment, Energy, and Resources 43rd Spring Conference: http://www.americanbar.org/calendar/2014/03/43rd-spring-conference.html Please register for free light breakfast and a boxed lunch at: https://events.r20.constantcontact.com/register/eventReg?oeidk=a07e8zhsp3h6cc0d042&oseq=&c=&ch= Agenda 8:15 a.m. – 8:30 […]


text: What Would Facebook Look Like in the 90s? [VIDEO] By The Rob April 4, 2012 7:39 AM Share on Facebook Share on Twitter I saw this in my news feed this morning and it made me lol. Here's a parody video of what Facebook would look like if it would have been invented in the 1990s: Filed Under: facebook, the rob, viral videos Category: Humor, Videos Share on Facebook Share on Twitter More Leave a comment Send to a friend! Print this page Pin it! Reddit This! Share on Tumblr! Best of 106.1 KISS FM Recommended For You Around the Web


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Pretty simple to use comes with all hardwere to install stero
Expert Service 1-877-289-7664 [Hours]
Expert Service 1-877-289-7664 [Hours]
Get FAST answers from customers ASK a Question See questions answers
May 25, 2012
Pretty simple to use comes with all hardwere to install stero
5 of 7 found this helpful
Huntsville, AL
February 29, 2012
This unit came ready to go. Bolt and install and it's over!
3 of 4 found this helpful
Thornton, CO
August 29, 2011
Plug and play, easy to use and does its job.
4 of 6 found this helpful
Durham, NC
January 6, 2015
Best price on the net and store for installation parts.love the pocket for storage.
3 of 5 found this helpful
saint petersburg, FL
July 12, 2013
The product fit great, looked clean and really overall satisfied me as a consumer. Thank you so much.
3 of 5 found this helpful
Davenport, FL
May 7, 2012
Fit perfectly installed fast looks nice, solid plastic and easy instructions.
2 of 3 found this helpful
Tampa, FL
November 21, 2010
Did not fit in my 2002 Ford Explorer Sport, although this website says that it will. However, if this product does fit in your car, and you are sure that it will, it is good quality.
4 of 7 found this helpful
homestead, FL
April 10, 2008
This is an item i am expecting it seems to be very helpful so that you can install the radio i choose for my vehicle
2 of 3 found this helpful
Hamilton, GA
July 9, 2012
Looks great and fits perfectly in my car. The only bad point is that I can't fit my hand into the little storage well directly under the stereo. I was going to put the little remote To the stereo in that storage well, but I still cant get it out. I had to pull it out with my knife blade, but as long as you don't put anytging small in there like sn ipod or mp3 player youre good.
3 of 6 found this helpful
Allen, TX
December 11, 2011
The fit on this is okay, not great. It looks really cheap. It's about average, maybe I was just expecting too much.
3 of 6 found this helpful
Greenville, NC
October 3, 2011
Fit auto great!
2 of 4 found this helpful
Meldrim, GA
August 19, 2011
Worked great. No problems.
4 of 8 found this helpful
Grand Forks, ND
April 12, 2011
This fit well in a 2004 Ford Expedition. I should note, though that even when the metal head unit sleeve was mounted as tightly as possible, there was still slight movement. So, for basic head unit integration, this is good, but if you want absolute security, I'd opt for building a custom head unit cage.
That said, this as a free product with a head unit is priceless.
2 of 4 found this helpful
Vancouver, WA
March 5, 2010
Great value, great fit and now I have a small pocket for storing things. It fit the radio slot perfectly.
3 of 6 found this helpful
Minot AFB, ND
November 17, 2009
2 of 4 found this helpful
Benton, AR
April 24, 2014
I would recommend this to anyone installing an aftermarket radio in their mustang. It looks like my car came from the factory with a JVC. Although the compartment under it really isn't big enough to put anything in.
2 of 5 found this helpful
Savannah, GA
August 20, 2013
Works great for my 04 mustang. Tight and snug fit! Installed in 10 min overall.
3 of 7 found this helpful
New Orleans, LA
June 29, 2011
This product proved to be a good fix for my conversion from stock radio (that was the third that became defective) to a more reasonable one that is not a Ford provided product. It worked well for my purpose and the storage area adds to help keep things uncluttered in my console.
2 of 5 found this helpful
Ringtown, PA
November 5, 2010
easy 2 install
3 of 7 found this helpful
Titusville, FL
May 27, 2010
Made installing an XD unit a 'drop in' job on a 2001 Mustang. Replaced OEM unit perfectly AND gives small storage 'cubby' under XD unit that did not exist with OEM unit. Easy to follow instructions.
2 of 5 found this helpful
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This all this financial mess makes me sick!
I am a retired 66 year old female and "thought" that I had my finances in order....although I don't have much, I can not afford to lose it!!
Every time I check my accounts, I get physically ill...and it just makes me want to cash out everything and put it under my mattress....but then, the darned house would probably burn!
I have an annuity that I have had for years...and had told myself when the market reached 14,000, I would cash it, pay the taxes.....but like the naive person I am, I listened to my stockbroker and stayed in....now I see it falling and kick myself every day for not following my gut~~
I also have mutual funds and although they are down a lot, I hope they will regain. I have money in the money market account that is just "sitting and waiting for a better day", but now the thought of not being insured worries me.
Some in CDs, but wish I had put more in than I have...seems to be the best and most safe place right now.
Everyone says, "It will come back...it always has"...that might be okay for someone younger, but I might now have that much time left to wait.
Any words of advice.....right now I just have this knot in my stomach and pain in my neck! I have a house that I want to sell, but NOTHING in our town is selling....over supply of houses and no buyers~~
Thanks for letting me vent!! But your thoughts and advice is welcome.
phoggie,when i read about all the "distress" the financial markets are causing, and people taking their $$$ out of the stock market,semi-joking about putting their $$$ under the mattress, it is time to start investing!!!! When sentiment is this bad, a bottom is forming...I grant you at 66, time is not on your side for heady gains,but someone with a 10-15 year horizon should start adding to positions..fwiw, i have been short the market for 6 months or so,so for me to turn quasi-bullish is surprising to me
If you are in reasonably good health, you have a life expectancy of another 20 years. That's a pretty long timeline for investment purposes.
You may need to consider going back to work, perhaps part-time, to get through this rough patch on the economy. It is never a good idea to be retiring on a tight budget. At the very least you should have "wiggle room" in your portfolio to up your distributions by the annual amount of inflation each year.
Console yourself with the fact that the news media lives to sell bad news - so the worse they make it sound, the more attention people pay them. Kinda like the five year old crying "wolf, wolf!" every half hour.
Are we in a bear market? Yes. In a depression? No. Do the markets fluctuate upwards as well as downwards? Yes.
In the last bear market - the dot.com bust, remember that one? - our portfolio was almost completely invested in big cap equities. We lost 26% of the portfolio in two years. I chose not to change anything, because I felt the S&P 500 would lead the recovery, which it did. 18 months after that, we recovered completely to where we had been before the loss started, and the portfolio - which I later diversified to reduce risk - subsequently tripled. So the losses for this year have been painful, but the long-term gains remain pretty good.
And yes, I do expect the market to recover, so I'm not terribly worried. Balance sheets, outside of airlines and a small percentage of banks, remain quite strong. Hysteria in the air (and the airwaves), however, just confirms my belief that most people don't have the stomach for investing properly.
Diversification of your portfolio reduces risk. You may not make the huge gains of being lucky with individual stock holdings, but you can minimize losses in a bear market.
Good luck to you going forward. I hope things turn better for you.
phoggie-"I am a retired 66 year old female and "thought" that I had my finances in order....although I don't have much, I can not afford to lose it!! Everyone says, "It will come back...it always has"...that might be okay for someone younger, but I might not have that much time left to wait. Thanks for letting me vent!! But your thoughts and advice is welcome."
I think the investors who have pulled their money out of IndyMac, Fannie, Freddie, etc share your sentiments. I know I do. Investors (and taxpayers) are tired of being lied to by the so called 'experts' in Washington and on Wall Street who simply can't afford to tell anyone how bad things really are.
Look at the negative publicity Senator Schumer is receiving for saying IndyMac isn't viable? Is is it HIS FAULT that the regulators weren't doing their job? Is it HIS FAULT that IndyMac wants to have its cake and eat it too? Figures that they would rather kill the messenger than TAKE RESPONSIBILITY for THEIR lack of action to properly protect the economy.
Same thing happened before the Depression. History repeats itself. Check out the link in Dave Donhoffs' post "Forget Inflation! Market Fundamentals are Appalling". The quotes that the president and other 'experts' made just before the crash, are eerily similar to what is being said now.
As for what to do now? You may want to read the following links and form your own conclusions as to what actions might be best to take. Based on the info in these links, I am (very) thankful for the changes I made to our portfolio starting back as early as mid 2007'.
Links that might be useful:
Sell, Hedge ... or Be Prepared to Lose!
by Martin D. Weiss, Ph.D. 06-30-08
Distortions, Deceptions and Outright Lies
by Martin D. Weiss, Ph.D./April 7, 2008
Ratings Collapse
by Martin D. Weiss Ph.D./12-24-2007
A book I recommend is 'The Lies About Money' by Ric Edelman
Here is a link that might be useful: Ric Edelman Website
It's really something isn't it? I'm not retired or planning to be anytime soon but it's all still very disconcerting. I'm also no expert on the economy but I do think this time the situation is a much bigger deal than the last few recessions that were in the big scheme of things "blips" on the radar. Seems like we're in for something bigger and longer - the likes of which we have not seen since the depression. Everyone acts like we're never going to have something like that again - like all the necessary regulatory prevention is in place. Well, the mortgage banking mess certainly doesn't inspire confidence - combined with devaluation of the dollar and skyrocketing oil prices. And we recovered from the depression with the new deal - income tax put in place for the first time. It's also now a very global economy - how much more can we tax ourselves and/or how much more of a deficit can we run at without causing a major collapse of the US economy. Just doesn't seem like the government can bail us out again without major ramifications.
jkom -- I always read and value your posts, but there's a problem with advising people to go back to work or take part time jobs. Who will hire *older* people? What will they pay them? This has been true for some years -- ever since companies needed to become 'lean and mean', 'do more with less (workers)'. Many places certainly don't want the health liabilities. There's always a fresh crop of graduates to hire at starting salaries. Now unemployment is rising.
It's a possible solution, but I don't see *good* jobs for older people going begging.
chisue, while an elderly,retired person is unlikley to find a "well-paying" job, there are many jobs that pay more then minimum wage that go begging for help..I can vouch for 2 specific areas..1st Northern NJ, my mom is 72, and has 2 jobs, and was offered another recently...pay is 10 bucks per hour..she loves it, keeps her busy and she gets some soical interaction,in addition to a decent wage..
In SE PA, there are many jobs that can't be filled..My oldest child(high school) has 2 jobs,both PT...she isn't even 17!!! A retired person could easliy have taken either job..
Retired people are just looking to supplement(for the most part)their retirement savings/social security..they don't need to make 30k a year
Phoggie - as for selling your house, you might find some peace of mind by accepting that it may be two or more years before the housing market comes back. I had thought I might sell my place next year but now thats out so I'll use my spare time to get everything in tip top shape - no expensive remodeling or upgrades - just cleaning, painting and landscape work.
Some have suggested you might want to go back to work. If so, you might take a look at an article titled "Top 20 Retirement Jobs and Industries" on AARP's website. Lots of info there and you might be surprised at some of the company names who desire the stability of a senior - its not all retail either. And the federal government has a website USAJOBS.Gov - just plug in your zip code and see whats available.
phoggie: "I have money in the money market account that is just "sitting and waiting for a better day", but now the thought of not being insured worries me.
Some in CDs, but wish I had put more in than I have...seems to be the best and most safe place right now."
Phoggie, no one has ever lost money in a money market account. However, if it will make you sleep easier, it is very easy to just purchase more CDs using that money. If you don't need immediate access to the money, and as you say it is just "sitting and waiting for a better day", then there is no downside to making that move, and in fact, you'll most likely get a better return on your money anyway.
phoggie: "I have money in the money market account that is just "sitting and waiting for a better day", but now the thought of not being insured worries me."
Even though the interest rates are abysmal right now, I've put some of my money into treasuries. This is why:
How Safe is My FDIC-Insured Bank Account?
by Dr. Chris Martenson : April 14, 2008
Your bank account may not be as safe as you think (or hope). Taking a deeper look at the legal details and the financial depth of the FDIC reveals several troubling details that call into question how the FDIC would fare during a true banking crisis.
How many bank failures could the FDIC handle at once?
(see chart at link below)
The 1.22% Reserve Ratio means that for every dollar in your bank account, the FDIC has 1.22 cents "in reserve" ready to cover your potential losses. This has proved to be an ample amount during the period of stability we've recently had, but it doesn't seem particularly significant, considering the recent headlines about banking losses (Spring of 2008).
Consider, for a moment, the collapse of Bear Stearns. In order to assume that bank, JP Morgan asked for, and received, a special waiver from the Federal Reserve to keep $400 billion of suspect of Bear Stearn's assets off the books of JPM (page 4 of the linked document). While JPM may have been padding the books a little bit here, due to the uncertainty of how bad the wreckage might turn out to be, $400 billion dwarfs the $52 billion reserves of the FDIC.
If one medium-large bank collapse could wipe out the FDIC by a factor of nearly 8, what do you suppose would happen if there were multiple, simultaneous bank failures? At this point, my guess would be that Congress would be sorely tempted to borrow additional funds to remedy the situation, but I worry that hardship and losses might result while the laws were amended and sufficient funding avenues identified. So how many bank failures could the FDIC endure? The data suggests slightly fewer than one big one.
I thought the FDIC has full faith and credit backing by the US treasury?
Actually, no, it does not. The language in Section 14 of the FDIC Act is clear and unambiguous (emphasis mine):
(a) BORROWING FROM TREASURY.-- The Corporation is authorized to borrow from the Treasury, and the Secretary of the Treasury is authorized and directed to loan to the Corporation on such terms as may be fixed by the Corporation and the Secretary, such funds as in the judgment of the Board of Directors of the Corporation are from time to time required for insurance purposes, not exceeding in the aggregate $30,000,000,000 outstanding at any one time, subject to the approval of the Secretary of the Treasury: Provided, That the rate of interest to be charged in connection with any loan made pursuant to this subsection shall not be less than an amount determined by the Secretary of the Treasury, taking into consideration current market yields on outstanding marketable obligations of the United States of comparable maturities.
Now that's pretty interesting. First, that any additional money from the federal government is not a guarantee, but rather a loan, which will only be made subject to the approval of the Secretary of the Treasury. Further, that the loan is to be made at "current market yields." What do you suppose would happen to US Treasury yields during a true emergency? I can imagine a few scenarios where they might skyrocket, and this would serve to compound the difficulty of keeping the FDIC fund solvent.
Links that might be useful:
At age 72, and almost 100% retired, I have watched patiently as the bad news has unfolded in recent months. With close to 50% in broadly diversified index mutual funds in the stock market, I rested easy because I know how markets work. They fluctuate, and you have to be there when things bottom out, otherwise you'll miss the next soar in stock prices. That's how I felt until it finally dawned on me that I was assuming that the bubble that burst was due to the usual "irrationale exuberance." But I was wrong. Because regulators have been lax in enforcing the rules and regulations, and because the rules and regulations on the books are too lenient, an enormous amount of fraud has greatly distorted the entire financial system so that the numbers are really a crap shoot.
First they said that the subprime mess was "contained." But it didn't go away. It just got worse. Then we had the BearSterns debacle. And most recently the Europeans urged the Administration and the Fed to do something about Fannie Mae and Freddie Mac RIGHT WAY or the worldwide deck of cards will collapse. Think of it: THE EUROPEANS AND OTHER FOREIGN INVESTORS HAD TO WAKE UP THE BOYS IN WALL STREET AND FORCE THEM TO ACT, AND REAL FAST, OR ELSE.
So, to help me sleep at night, I went through all our mutual funds and reduced our stake in stocks by half what it was previously, and put the proceeds in money market mutual funds. I plan to watch things closely, and I may take more chips off the table. If CD rates go to 10-12%, like they did back in the early 80s, I'll be first in line with a pile of cash.
One final word: WE NEED REGULATION, LOTS OF IT, to reign in the excesses of the financiers.
haus....How long ago did you reduce your mutual funds and stocks? Didn't you take a real beating? I did put my annuity in a "lower risk" account....and keep beating myself for not following MY gut (instead of the planner and DH) and cashed it out (and paid the taxes on it) when it reached 14,000~~~
Here's hoping better days are coming.....and do it quickly!!
dreamgardem, how about you quit spamming the board with the same doom and gloom nonsense over and over?
We get it already. You think (or rather martin weiss thinks) that all government officials are either liars or thieves or both.
Why don't you just go ahead and buy a whole bunch of nonperishable supplies and move to an underground bunker out in the far northwest and wait for the black helicopters to arrive.
That way, the rest of us can calmly discuss the financial markets without you spamming us with more nonsense. If we wanted to read martin weiss's nonsense, we'd have done it already.
Since our overall nestegg is broadly diversified, our hit is less than 5% in the recent downturn. And even our hit in the stock portion of our nestegg is modest, again because it is very broadly diversified in index funds, and also because we have a modest position in a mining stocks mutual fund (a proxy for gold) and an energy stocks mutual fund (a proxy for petrol) and those have gone up a lot in recent years.
As I said in my previous note yesterday, I have stomached previous downturns without a shift in position -- NO MARKET TIMING -- but this time it's different, because too many people have not played by the rules, and now nobody knows what's going on. I think the prudent action to take in this environment is to pare down your stake in equities and wait until the macroeconomics and the banking mess improves. As it said in the morning's newspaper, banks traditionally loaned money for mortgages based on lenders' ability to repay, which means they would check credit ratings, job history, proof of earnings, savings accounts, etc. With the subprime hysteria, they stopped doing that; what they did was lend based on ALLEGED (in other words, LIED ABOUT) job salary, etc. The banks didn't care because they were making big fees for processing these fraudulent loans, and then repackinging them and peddling them to third parties, like Fannie Mae, other banks, etc. That means that investors in Fannie Mae and Freddie Mac, and a lot of other similar companies got stuck with far too many of these bad loans. AND NOBODY KNOWS HOW MANY THERE ARE, OR WHO HAS THEM. OR, IF THEY KNOW, THEY'RE NOT TELLING. WHEN YOU SEE BIG FIRMS FAILING OR BEING RESCUED AT THE LAST MINUTE, AND YOU SEE CEOs GETTING THE AXE, SOMETHING REALLY BAD IS GOING ON. The banks in Japan were hit with a similar problem about 20 years ago, and they're still crawling out of it, and this situation bears some very disturbing similarities to the 1930s.
There's a lot of hand-wringing behind closed doors on account of this, especially because it's an election year, and nobody wants to get stuck with the blame. But there's enough blame to go around.
bemadman-"WE get it already. dreamgardem, how about you quit spamming the board with the same doom and gloom nonsense over and over?"
My, my, please don't get your knickers in a bunch over my posts. Are you employed in the financial industry? If so I could appreciate why my posts might be upsetting. Otherwise, I don't see how it is your business to play forum moderator and lecture me on what is (and isn't) appropriate to post about in this forum.
I've been coming to the GardenWeb forums just a little longer (two years) than you so if you don't care for what I have to say you DO have a choice! Read something else!
Do you claim to know what everyone else who posts here thinks, because I think your liberal use of the word "we" is a bit presumptive. It would be helpful if you allowed others to speak for themselves.
"That way, the rest of us can calmly discuss the financial markets without you spamming us with more nonsense. If we wanted to read martin weiss's nonsense, we'd have done it already. "
Martin Weiss speaks nonsense? LOL. Care to put YOUR financial credentials up against his?
A link that might be useful:
Martin D. Weiss, Ph.D.-BIO
Martin D. Weiss, Ph.D. is the nation's leading advocate for investor safety. As editor of his monthly "Safe Money Report," and the author of Investing Without Fear and The New York Times best-seller, The Ultimate Safe Money Guide, Dr. Weiss has helped hundreds of thousands of investors avoid the losses of a multi-year bear market. In February 2003, Hulbert Financial Digest/CBS MarketWatch, which rates newsletters by performance, awarded top honors to "Safe Money Report." His Weiss Ratings, based largely on the Weiss proprietary computer model, has won acclaim by the U.S. General Accounting Office (GAO) for having beaten the competition by three to one in accuracy.
The situation in Japan's deflationary environment is quite different although it may superficially look the same. But the political and social dynamic is not at all similar to the US.
Yes, some banks will fail. It will not be in anywhere near the numbers that failed during the savings & loan debacle, where the cries for regulation and against those evil, lying, low-life bankers were....hmmm, almost the exact same word-for-word outcries.
The stock market is no different than the RE market. It is worth, on any given day, what somebody thinks it may be worth to someone else.
And like RE, it is an area where longer-term thinking rewards better than short-term thinking. I applaud haus_proud for having a diversified portfolio; it's a sensible and basic financial instruction that all too many people don't pay any attention to (are you listening, those of you who have more than 20% of company stock in your retirement account?).
I only wish we could be in mining or energy funds; but they are too volatile for inclusion in the fund offerings of our company retirement accounts. Nonetheless, we're as diversified as we can be. I recently transferred a good chunk out of the sole international equity fund to go back into US stocks. With the market decline, it's a good time to buying more shares for that dollar-cost averaging. We've gained considerable profits over the last two years from that fund; it was time to re-allocate and position ourselves for the next couple of years.
Since my DH is still working, this means we're still contributing (buying) - mostly stocks, a little bit of bonds, since we're still in our 50's. Not contributing the maximum, but 4x more than we used to, so for us that's a goodly amount, LOL.
dreamgarden: "Do you claim to know what everyone else who posts here thinks, because I think your liberal use of the word "we" is a bit presumptive. It would be helpful if you allowed others to speak for themselves."
Fair enough. Does that mean then if others speak up and ask you to quit papering the board thread by thread with C&Ps from martin weiss's website that you will do so?
bethesdamadman-"Fair enough. Does that mean then if others speak up and ask you to quit papering the board thread by thread with C&Ps from martin weiss's website that you will do so?"
If you want to be "fair", then please refrain from accusing others (who have been here longer than you) of 'spamming the board' or suggesting that they "buy a whole bunch of nonperishable supplies and move to an underground bunker out in the far northwest and wait for the black helicopters to arrive."
I'm still waiting for a response to my other questions:
Are you employed in the financial industry?
Are your financial credentials comparable to Martin Weiss's?
Whoa, I think the conversations are going OT here - let's get back to Phoggie's concerns, which in re-reading I note she mentioned wanting to sell her house, but nothing in town is selling.
It's pretty clear the current environment is to the buyer's advantage, not the sellers. You can certainly sell your house, but you will have to take much less, in some areas up to 25-30% less, than it was worth two years ago. If you can afford to take the hit and absolutely must sell, then find the very best RE agent you can, and make sure you take their advice about how to best market your property.
If you can hold on instead, you will be a much better position in a couple of years. The real fall-out is not banks failing or home prices falling, it's the tightening on mortgage applications. A rather large percentage of folks can no longer qualify, as excerpted below from the WSJournal (a link to the full article is provided as well, but you need to be a subscriber to read it):
"...But even borrowers who think they're well positioned to be approved for a mortgage "can't assume anything," said Guy Cecala, of Inside Mortgage Finance. And they'd better be prepared to shop around to get the best rates
"Cecala estimates that a third of the people who were able to get a loan in 2005 and 2006 no longer qualify for financing today. That takes into account the disappearance of subprime and Alt-A loans as well as the tightened requirements for getting prime mortgages, he said.
"Mortgage credit is as tight as we've seen it in a generation," said Cecala, publisher of the industry newsletter. "When does it get looser? When people feel that the housing market is stabilized, and that's really not going to happen until we start seeing an end to rising defaults and foreclosures, and housing prices have stabilized in markets throughout the country."
"If he had to guess, it'll be another year before getting a mortgage becomes any easier.
"In some cases, lenders are even looking beyond the numbers for proof not only that an applicant has a job with a steady income stream but is also likely to keep that job, said Bob Moulton, president of Americana Mortgage Group on Long Island, N.Y....."
It's a rough time for many. Watch your expenses, take care of your health (maintenance being many times more cheap than procrastination). Talk to your neighbors or friends about ways you can save money together, even in little ways. Look at your town/city with new eyes, there might be free events you passed by before - if you give them a try, it will at least be something different, and you won't be out any big $$. And you might find something new and interesting this way, that you would have missed otherwise.
Get together with a friend, take a walk in good weather and just talk. Come back home for coffee and a home-made coffeecake. Someone posted on the Caregivers forum about a friend whose DH was just given 2 months more to live - it reminds you that truly, the best things in life have little to do with money.
Here is a link that might be useful: WSJournal article (subscribers only)
jkom~~ The last two paragraphs in your post said it all.."it reminds you that truly, the best things in life have little to do with money". Thank God for a wonderful family and true friends....without them and your health, life would not be worth living~~~~
Thanks for reminding me of this while I am going through some really tough personal times...
dreamgarden: "Are your financial credentials comparable to Martin Weiss's?"
Well, let's see. I've never been issued a cease-and-desist order from the SEC for misrepresenting myself as an investment advisor and forced to pay the SEC over two million dollars for violating securities regulations.
So I guess the answer would be no.
I would agree with Hans, your biggest mistake came when you tried to "time the market". If you really knew how to time the market you'd been rich along time ago. You need to diversify and not keep all your eggs in one or two baskets. I think it is easier now than ever before to be diversified, with all the ETFs available.
dreamgarden to bethesdamadman-
"I'm still waiting for a response to my other questions:
Are you employed in the financial industry?
Are your financial credentials comparable to Martin Weiss's?"
bethesdamadman-"Well, let's see. I've never been issued a cease-and-desist order from the SEC for misrepresenting myself as an investment advisor and forced to pay the SEC over two million dollars for violating securities regulations.
So I guess the answer would be no."
So it sounds as if you DO work in the financial services industry....
I wonder why didn't you answer this question the first time I asked?


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