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Bill Nygren, who co-manages the Oakmark Fund, has been through some tough stretches since he joined it in 2000. In mid-2006, for example, the portfolio's three-year annual return trailed the Standard & Poor's 500's by more than two percentage points, and the fund ranked near the bottom of its Morningstar peer group, as holdings such as Wal-Mart Stores (ticker: WMT) and Home Depot HD 0.6762691024064641% Home Depot Inc. U.S.: NYSE USD114.63 0.77 0.6762691024064641% /Date(1427749307311-0500)/ Volume (Delayed 15m) : 3904945 AFTER HOURS USD114.5 -0.129999999999995 -0.11340835732356276% Volume (Delayed 15m) : 63486 P/E Ratio 24.132631578947368 Market Cap 148859886530.392 Dividend Yield 2.05879787141237% Rev. per Employee 224194 More quote details and news » (HD) languished. Six years later, the $6.5 billion fund (OAKMX) ranks in the top 20% of its category, based on three-, five-, and 10-year returns.
That strong showing, helped recently by stocks such as eBay (EBAY), Wal-Mart, and Disney DIS 0.6067500948047023% Walt Disney Co. U.S.: NYSE USD106.12 0.64 0.6067500948047023% /Date(1427749453206-0500)/ Volume (Delayed 15m) : 3739477 AFTER HOURS USD106.01 -0.120000000000005 -0.10365623822088202% Volume (Delayed 15m) : 92406 P/E Ratio 23.323076923076922 Market Cap 179269909709.226 Dividend Yield 1.083678854127403% Rev. per Employee 276561 More quote details and news » (DIS), has attracted net cash inflows, even as investors overall have fled stock funds. In good cycles and bad, Nygren, 54 years old, doesn't change his approach. A value investor and passionate stock researcher, he looks for companies trading well below what he thinks they're worth, with management teams intent on building value for shareholders. Barron's recently spoke by telephone with Nygren, who is based in Chicago and runs the fund with Kevin Grant.
Barron's: What are your big-picture thoughts on investing these days?
Nygren: We're at a point where most asset classes that exhibit some degree of safety are pretty fully priced, specifically bonds on a worldwide basis. If a country seems to be somewhat near solvent, its bonds tend to be offering almost record-low yields. Commodities tend to be priced pretty significantly above their long-term averages. And then you have equities. People argue about whether the P/E [price-earnings] multiple is 15 times forward earnings or a different figure. But it is the only asset category that offers an entry point for investors that is cheaper than its long-term historical average.
But investors have been fleeing equities and chasing the rearview-mirror performance of long-term bond funds. The reason that people are worried about equities is that, in addition to experiencing more than a decade in which returns have been pretty close to zero, we've got a trailing five-year number that is not at all impressive. That's because the market hit a peak in 2007, fell in half, and has gotten close to the old highs. So, investors are looking at equities saying, "It's not like they've returned much recently," and everybody is telling them that the world economic outlook isn't as good as it used to be. So it makes it pretty easy for investors to shun equities as a class. We, of course, think that's a pretty significant mistake.
On what grounds?
Equities are cheaper than their historical average prices, and something gets missed when people are talking about expectations of lower corporate profit growth and lower gross domestic product. What they are missing is how much excess cash companies have today and will continue to produce if the real-world economy isn't growing much. Consider the payout ratio. Something like less than one-third of profits are getting paid out in dividends. When I started in the business 30 years ago, companies were paying out over half of their income, and they still had enough capital left to reinvest in the business, whereas today something like 70% of earnings is being retained and added to a cash pile on balance sheets. There aren't many opportunities to invest in expanding capital expenditures, because there isn't growth there to be had. You can build all the factories you want, but you wouldn't be able to get them up to capacity and profitability.
All of this means that companies are either going to be increasing dividends faster than they are increasing their earnings, or they are going to be making acquisitions that are accretive to their earnings, or they are going to be buying back shares. There just aren't any other meaningful choices today. If you look at a typical company selling at something like 14 times earnings and paying out one-third of its earnings, that gives it enough capital to repurchase something like 5% of its share base annually. So what happens if the bears on the economy are right, and we are looking at maybe 1% real gross-domestic-product growth, instead of the higher numbers that we've seen historically?
If you have 1% GDP growth and 2% inflation, that gets you to about 3% nominal GDP growth, which is a pretty good proxy for corporate profit growth. But that's on a share base that's shrinking 5% a year. Companies can still deliver upper-single-digit— if not double-digit—earnings-per-share growth rates, given how strong balance sheets are and how strong free-cash-flow generation is. So it is more important than ever for investors to align themselves with managers who think about not just maximizing value, but maximizing per-share value.
In what sectors are you finding value?
An area that we find unusually attractive is financials. Generally, financials get in trouble when they lend money to people who don't pay them back. And having been through that experience five years ago during the financial crisis, financials today have much better lending standards than they did then. The likelihood of repeating the problems that created the crash five years ago has diminished dramatically. On top of that, capital levels have been pushed higher, somewhat by the companies themselves and somewhat because the government has demanded it.
But with less leverage, won't financial companies be less profitable?
There is an element of truth in that. If the return is the same number, but you use less leverage, your return on equity is going to be lower. But there are some arguments that financial services are somewhat less competitive than they were five years ago, and because of that, the unlevered return numbers might drift up a little bit from where they were before. But whether that is going to be enough to offset the decreased leverage is an open question.
There are a lot of banks that used to sell at two times book value—that was probably too high, even before they reduced their leverage. But at the low end of valuations among the large banks, Bank of America BAC 1.371652514696277% Bank of America Corp. U.S.: NYSE USD15.52 0.21 1.371652514696277% /Date(1427749440720-0500)/ Volume (Delayed 15m) : 69941791 AFTER HOURS USD15.539 0.0190000000000001 0.12242268041237113% Volume (Delayed 15m) : 893475 P/E Ratio 43.111111111111114 Market Cap 161067334395.004 Dividend Yield 1.288659793814433% Rev. per Employee 436397 More quote details and news » [BAC] trades at about 50% of book value and, at the high end, JPMorgan Chase JPM 2.367758186397985% JPMorgan Chase & Co. U.S.: NYSE USD60.96 1.41 2.367758186397985% /Date(1427749277345-0500)/ Volume (Delayed 15m) : 20528897 AFTER HOURS USD60.97 0.00999999999999801 0.016404199475065617% Volume (Delayed 15m) : 127626 P/E Ratio 11.437148217636022 Market Cap 222021035607.671 Dividend Yield 2.6246719160104988% Rev. per Employee 403805 More quote details and news » [JPM] and Capital One Financial COF 0.6993006993006993% Capital One Financial Corp. U.S.: NYSE USD79.2 0.55 0.6993006993006993% /Date(1427749407100-0500)/ Volume (Delayed 15m) : 1933736 AFTER HOURS USD79.2885 0.0884999999999962 0.11174242424242424% Volume (Delayed 15m) : 28970 P/E Ratio 10.272373540856032 Market Cap 43214873152.8595 Dividend Yield 1.5151515151515151% Rev. per Employee 516783 More quote details and news » [COF] trade at about 80% of book value. As investments, these will be great if they get close to book value.
One company in the sector that I like is American International Group aig 1.2030353507310754% American International Group Inc. U.S.: NYSE USD54.68 0.65 1.2030353507310754% /Date(1427749270002-0500)/ Volume (Delayed 15m) : 5671453 AFTER HOURS USD54.63 -0.0499999999999972 -0.091441111923921% Volume (Delayed 15m) : 99016 P/E Ratio 10.428944708283268 Market Cap 74152717304.1552 Dividend Yield 0.9144111192392099% Rev. per Employee 981769 More quote details and news » [AIG], which sells at about half of book value, and doesn't have a growing business. So let's say instead of earning 12% on equity, which this company did a decade ago, maybe it's 7% now, and they don't have a growing business to support. If all that capital they are earning is used to repurchase shares at half of book value, you could buy back 14% of AIG's stock a year.
But what drives AIG's stock higher? Is it a capital-allocation story?
That's a story across the stock market. There is probably less top-line and less net-income growth than what we've been used to historically. But there is much more free cash flow, and balance sheets that are already underleveraged relative to long-term historical averages.
Why is there more free cash? Isn't the basic calculation operating cash flow minus capital expenditures?
You also have to subtract dividends. As I've mentioned, dividend payout ratios are very low. So there is more cash left for management to do something with after they've paid dividends. But also, if the real economy isn't growing as fast, capex requirements aren't going to be as high as they used to be. So it is going to give management more cash that they have discretion over, and the companies we are most interested in are the ones that are just as happy to use that capital to reduce their share base as they are to build a new plant or go make an acquisition.
How much is AIG worth?
It depends on how close they can get to their goal of getting a double-digit return on their shareholders' equity. If they can get a 10% return, I don't know why this company shouldn't sell at book value. That would be twice the current price of $33 and change. They haven't proven that yet. It is going to take a couple of years before it can get its returns up to that level to prove the book value really is worth that to an investor.
Let's move on to another holding.
Years ago, Delphi Automotive DLPH 2.219641244031488% Delphi Automotive PLC U.S.: NYSE USD79.21 1.72 2.219641244031488% /Date(1427749623958-0500)/ Volume (Delayed 15m) : 1093414 AFTER HOURS USD79.7 0.490000000000009 0.6186087615200101% Volume (Delayed 15m) : 21065 P/E Ratio 17.602222222222224 Market Cap 22557570602.197 Dividend Yield 1.2624668602449185% Rev. per Employee 134039 More quote details and news » [DLPH] was a captive of General Motors gm 0.9916912355936747% General Motors Co. U.S.: NYSE USD37.68 0.37 0.9916912355936747% /Date(1427749246959-0500)/ Volume (Delayed 15m) : 8355228 AFTER HOURS USD37.699 0.0189999999999984 0.05042462845010616% Volume (Delayed 15m) : 1625088 P/E Ratio 21.53142857142857 Market Cap 60082756432.6925 Dividend Yield 3.1847133757961785% Rev. per Employee 721893 More quote details and news » [GM], providing parts for GM automobiles. The company was spun out from GM and retained the same high-cost labor that GM had; it eventually went through a bankruptcy process.
Nygren's Stock Picks
|American International Group
|Delphi Automotive
|Devon Energy
|Source: Bloomberg
Delphi just re-emerged in the public markets at the end of last year, with a business that is now focused on fuel efficiency, electronics, and safety. Its business is well diversified across auto manufacturers. It was in the enviable position of having been able to use the bankruptcy to get out of the businesses that were more commodity-like, and to focus on these areas where they have a stronger competitive advantage and where they believe growth opportunities are higher. An example of a big division they exited is steering, which Delphi sold back to GM.
The stock is cheap at 8.2 times this year's consensus profit estimate of $3.76 a share and 7.4 times its 2013 profit estimate of $4.21. But what is the catalyst for a higher price?
The auto-parts industry has become a much, much better business than investors remember it having been, but investors are pricing it like it is the same industry—highly cyclical and highly vulnerable to the auto manufacturers demanding lower costs. Today, with the world-wide growth of automobiles and the partnering that the vehicle manufacturers are doing with their tier-one suppliers, it is a much better business.
Instead of the auto companies saying, "This is the part we want. Can you submit your bid for what you would be willing to provide it for," they are saying to the suppliers, "This is what this part has to do. This is how much it can weigh. This is how much we can pay for that. Can you design something that will accomplish what we need?" And because of that, these auto-parts suppliers have much more intellectual property that they are earning a return on, rather than just being in a business of who can be the best machine-tool operator and create the lowest-priced piece of metal.
Something people miss, when you see European or U.S. auto sales cycling up or down without growth, is how rapid emerging-market growth has been–and how emerging-market sales for these companies now are just as important as sales in the U.S. or Europe. And total worldwide auto demand, because of the emerging markets, should have a pretty good tail wind that hadn't been there before. So where these businesses used to be pretty much purely cyclical with tremendous pricing pressure, today they are still cyclical, but with a better growth trajectory. As far as valuation, I see the stock trading at a multiple much closer to average industrial-company multiples than what auto-parts companies used to sell at.
Where would that put the multiple?
If you think about the market historically as averaging 15 to 17 times earnings, cyclical companies are usually a little bit cheaper than that, more like 10 to 12 times. There used to be a category for auto-parts companies way beneath that, maybe six to eight times earnings. If the market gets back to 15 times earnings, there is no reason Delphi couldn't be at 10 to 12 times earnings. If that happened within the next two years, the stock could be $50.
How about one more pick?
Devon Energy DVN 2.6373626373626373% Devon Energy Corp. U.S.: NYSE USD60.71 1.56 2.6373626373626373% /Date(1427749293645-0500)/ Volume (Delayed 15m) : 3229590 AFTER HOURS USD60.69 -0.0200000000000031 -0.03294350189425136% Volume (Delayed 15m) : 18818 P/E Ratio 15.40941164526118 Market Cap 24192350624.0845 Dividend Yield 1.5812880909240652% Rev. per Employee 2659850 More quote details and news » [DVN] is one of the large North American oil-and-gas exploration companies. Like a lot of its counterparts in North America, Devon several years ago was much more exposed to the natural-gas market than to the oil market. In response to the decline of natural-gas prices and the increase of oil prices, they have shifted their focus to where the returns are higher, which means producing oil instead of gas, not that they don't do both. But at the margin, they are increasing oil and reducing what they are doing with natural gas.
Presumably, Devon has benefited from the huge growth of fracking technology.
Correct. Devon's business value far exceeds its current stock price. A lot of that is in properties that aren't yet producing at their long-term-trend production levels. And because of that, the earnings estimates for this year don't fully reflect the value of Devon.
Without much change in oil prices, a company that will be earning between $4 and $4.50 a share next year could be earning more than $6.75 in 2015, just because production at their oil properties will have gone up so much. Without a change in its price-earnings ratio, this implies that Devon stock would also be 50% higher.
Thanks, Bill.
E-mail: firstname.lastname@example.com


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Lipodystrophy Insulin Resistance
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metformin for lipodystrophyI recently heard that there may be a possible new treatment for lipodystrophy. Do you know anything about using something called "Metformin"?
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Brown University School of Medicine...cellular sensitivity to insulin. This has nothing directly to do with lipodystrophy, but a related component to lipodystrophy is insulin resistance (IR). IR is exactly what metformin is useful for. So in my patients with HIV-associated... Read more »
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The 4th International Workshop on Adverse Drug Reactions and Lipodystrophy in HIV...September 23, 2002 The Mechanisms of Lipodystrophy Coverage by Pablo Tebas, M.D. Keynote Lecture: Leptin, Lipodystrophy and Insulin Resistance Plenary Lecture: Treatment of Non-HIV Lipodystrophy With Thiazolidinediones and Leptin ... Read more »
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Heidi Wagner
Resident of Walnut Creek
Heidi Wagner passed away at her residence in Tiffany Court Assisted Living on January 4, 2013. She was 102 years old. Heidi was born on a farm outside of Warren, Minnesota into a large and very Norwegian family. She was a graduate of St. Cloud State University in Minnesota and California State East Bay, Hayward Hills.
For more than 20 years Heidi was a book reviewer/presenter, giving lectures throughout the Walnut Creek area. She was a member of Grace Presbyterian Church in Walnut Creek and the Rossmoor Kiwanis. Heidi loved music and was an active supporter of the Diablo Symphony. She and her husband, John Wagner, who passed away in December of 1994, helped with fund-raising for the Lesher Center for the Arts. They were both passionate about music and the arts.
While living in Michigan Heidi was active in several hospital auxiliaries. She was a journal columnist and author of several auxiliary handbooks. She was the President of the Michigan Association of Hospital Auxiliaries. Heidi gave her time to help the blind and sponsored three young girls as part of the Big Brother, Big Sister program. She also loved Oakland Athletics baseball. The Wagners were season ticket holders for many years and travelled to their spring training camp several times. She anxiously awaited the start of each new baseball season. Let's go A's!
John and Heidi both worked for
General Motors
and met at the GM office in San Francisco. Their first date was a Stanford football game. They were married in 1948 and travelled throughout their lives together visiting Europe, China, and Mexico as well as most states of the USA.
A Celebration of Life ceremony will be held at Grace Presbyterian Church in Walnut Creek on March 23, 2013 at 2pm.
Memorial gifts may be given to Grace Presbyterian Church in Walnut Creek or any Music or Educational scholarship fund.
Published in Contra Costa Times on Mar. 14, 2013
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Local Garden Tour today.
I'd rather have seen Deanne's garden.... The garden on the tour today were pretty unexciting for the most part. We didn't even take pictures at two of them! It was a VERY hot day too so We ended up coming home for 2 hrs. in the middle - to cool off, have lunch, and take a nap!
Two of the smallest gardens on the tour were of the 'pack in too many trees' type that looked quite interesting at this stage but in 5 years would need to be severely cleaned out to start again. Which is fine is that's what people would actually do, but I suspect what is most likely to happen is the current owners sell and leave the problem for the next owners! Also, there seems to be a big trend to using rough fieldstone on paths. I HATE that stuff! Very dangerous for me to walk on. OK - I'm decrepit so that's probably not the usual reaction. But a young and otherwise healthy person who broke a leg or foot and was on crutches would also have trouble, as would a parent of a baby in a stroller. If you want a rustic path, make one from bark mulch so it's safely walkable! Nice, properly laid and level flagstone is great but that wasn't used an any of the gardens. Fortunately there weren't any peastone paths in the gardens this year - that is the other material that is virtually unwalkable for me.
Enough complaints... There were some nice things in the gardens. These glass flowers were very attractive:
We got a chuckle out of this gargoyle that was carved by the ower of one garden:
He had also made a rather unique water feature, piping water through a twisting copper pipes that flared out into two spouts slashing the water into a big bath-tub-shaped galvanized container. It rather looked like an outdoor shower at first glance, but I assume it was a tongue-in-cheek water feature :-)
Just beside it was a VERY tall stand of bamboo that was 'caged' with a spiral of copper that ended as the lamp that you can see by the 'bathtub'. We asked if the bamboo was a clumper or a running type. The guy said it runs! I suspect the next owner of the house might need to hire a backhoe and excavate the whole property to a depth of several feet to get rid of the bamboo! But it was interesting at the moment... (There was also a New Dawn rose scaling the top of trees and shrubs nearby.) Interesting folk but I suspect the house will be hard to sell when they decide to move on :-)
Check out the height of the bamboo relative to my 5' (it's the stuff that is continuing out the top of the picture...):
GB - this is for you... This was a clematis arch. I really liked it. It was not in flower although there were both buds and seed heads. The lady did not know the name of the clematis. She said it was blue and white, with large, open flowers (not a dangling bell type). I liked the height and shape of the arch and the two sentinal cedars. The cedar hedge in the background was a good 20' tall - and clipped! I have no idea how you could clip it at that height.
The shape of the arch reminded me of one of the nicest iron arbours that I've seen. An old church on 'the main drag' had an arbour installed maybe 10-12 years ago. It's a series of gothic arches that match the church windows. There is wisteria started on it but I've never seen it bloom... It all gives a very cloister-like effect, which I assume was the intent. Randy stopped to take some pictures of it:
All in all, a good day out but the tour was not up to it's usual staandard.
Tell me Woody, is the last garden you showed the manse of the church or the church garden itself? The arbor makes a great unifying theme regardless! I'm of course trying to guess which clematis it might be that is growing there: Venosa Violacea? Oh...both buds and seedheads would mean it has already bloomed and will rebloom because it was a deadheaded group 2..perhaps. Hard to believe that with the main feature being the clematis arches the obvious question could not be answered! Perhaps you could send the organizers a follow up note and get the answer that way.
I like the courtyard in the last picture...though personally I'm not up to finicky pruning any longer.
I have a friend in Germany who planted bamboo some 10-12 years ago and last year needed to hire the backhoe people to remove it. What a horrid job that was! Her husband loved the bamboo...until the neighbors all complained.
OK, bed time for me~. Too much fresh air for me today I guess, but not too hot because of the breeze.
gb - the garden with the clematis arch had nothing to do with the church - it's a mile or two away in suburbia while the church is in the center of town on the main street, closely surrounded by businesses. The garden arbour just reminded me of the church ones so we stopped on the way home to take some pictures of the church arbour. (Actually, I never even realized there was a garden in there! You can see the arbour from the street but the garden isn't visible. Until I saw the pictures Randy took, I had never seen it - now I need to go take a look myself! The local Horticultural Society has its meetings in the church hall. I'm not sure if they had anything to do with having the arbour built or not.)
We spoke to the owner of the clematis arch when we were in the garden - that's how I knew the color etc. She said she lost the tag so didn't know the name but did know it was a type that you weren't supposed to prune hard. I don't know if it'll help any but the leaves looked like this:
Kathy - I've heard so many scary bamboo stories, I would dare plant it even in a pot! I'd hate to be the neighbours of the garden with that huge bamboo - I'm sure they'll eventually have problems...
Thanks for bringing us along on the tour!
Your comments on the bamboo reminded of a recent column in our local paper. The writer lives in a house where the previous owner planted Japanese knotweed. The current owner figures it will survive nuclear warfare.
No clue what clematis it might be...there are very few blue and white clematis that bloom early and repeat. Hmmmm. It certainly looks healthy. Now I'm curious!
I think it might need a bit of attention because you don't want clematis straying onto the cedars because they would kill off green growth on them.
You did find a few interesting things on the tour. The gothic arbors remind me of my new trellis with a gothic shape. It was a gift last year. I put clematis 'Pink Fantasy' and 'Brocade' on it and I'm amazed at the vigor of both and how much bloom I have for such new plants.
The church garden is great and not something normally found by a church but it makes sense. Hopefully, there was a bench to sit in the solitude of the garden.
Michelle - I can't remember if I saw your gothic trellis before or not - what's on it? Post a picture?
I actually haven't seen the church garden up close - I just sent Randy over to take pictures while I waited in the car. Next time we're 'downtown', I'm going to have to check it out myself! All you can see from the street is the arbour. I didn't realize there was a garden there too...


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HIV risk from mutual masturbationHi, I was with a transexual who masturbated himself. After this he was goign to proceed to masturbate me, but I insisted he get cleaned up first. He obliged, although not happily, went to the restroom and returned after about 2 minutes. He brought...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...Hello Sean,Mutual masturbation, even with a tranny, is not considered a significant risk for HIV transmission. As for worrying the virus "crept" into your urethra, Read more »
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am i at risk of hiv by masturbating in shower (CAN YOU GIVE YOURSELF HIV OR STD, 2010)i usually masturbate in the shower and one day i noticed my own semen had entered a cut on my... Read more »
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Stopping the Spread of HIV...past 2 or 3 months) are most likely to transmit HIV to others. This is when their viral load is the highest. In general, the risk of transmission is higher with higher viral loads. This fact sheet provides an overview of HIV prevention, and... Read more »
Reducing the Risk of Getting HIV From Sexual Activities...transmitted diseases . Lubricant Use of lubricants can make sexual penetration more comfortable and may also help reduce the risk of condom breakage during sex. With latex condoms, however, be sure to use a water-based lubricant. Do not use... Read more »
HIV Transmission...how effective this method really is in reducing transmission. It is best to use fresh needles each time. This eliminates any risk of infection. Many cities offer free needle exchange programs. Tattoos or body piercings should always be done by... Read more »
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Did I put myself in for HIV?
Posted by mybigmistake, 2 Replies...for HIV with several different people at many different times. I kissed them on the lips(our tongues met too)and we did mutual masturbation with each other and they fingered me many times and sucked my nipples and i stroked their penises and... Read more »
Any low risks tested positive???
Posted by jambo, 2 Replies...Do any of you know of instances where an apparently low risk activity actually resulted in a positive test result? Activities like deep kissing (i know there is 1 reported case), rubbing Read more »
risk for girls
Posted by Anonymous, 2 Replies...I'm a girl and i know that questions like this were answered before but not as much as others related to mutual masturbation or oral sex..maybe just because girls are more ashamded of questioning this kind of things. i have read many posts of... Read more »
HIV Transmission Risk
Posted by Anonymous, 2 Replies...I need to ascess my risk for HIV and other sexually transmitted diseases. 6 days ago, I met up with this man that I had chatted to online and we had unprotected Read more »
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Anyone having or have had severe vaginal itching? I was told it was common during pregnancy but unsure what to use?
Unsure what to use
Comments (4)
Posted 08/08/2012
I went to my OB and she diagnosed me with a bacterial infection. She said its common during pregnancy and to expect to get it again. Maybe it's the same thing??? They gave me this gel to use and it helps a lot!!!
Mommy to Semaj (11), Tatianna (5), and twin preemies Valerie and Tiffani
Posted 08/08/2012
If you have itching YOU MUST CALL YOUR DOCTOR! Please don't wait because even though it is common it is also most likely an infection. It needs to be treated asap- and regardless the doctor should be aware of it anyway. Good luck honey, hopefully it all clears up.
Posted 08/08/2012
I've had two yeast infections already this pregnancy, and I'm only 12 1/2 weeks along!
Mommy to B 9/01/02, L 5/19/05, C 4/13/07, S 2/17/13, Q 3/16/14 and L? Due 5/5/15
Crystal wife to Ryan 6-12-1999
Mommy to B 9/01/02, L 5/19/05, C 4/13/07, S 2/17/13, Q 3/16/14 and L? Due 5/5/15
Posted 08/08/2012
Just dealt with a yeast infection... Starting to think I have bv now. Fml :/
DS 1/3/10 (born c-section @ 34 wks due to HELLP; history of gestational diabetes)
Baby boy #2 due 2/24/2013 ( GD; succenturiate lobe on placenta)
What's on your mind?Create a new post
Your growing child
Your 25-month-old: Scared of the doctor
Taming kids' fear of the doctor Read More
Your 25-month-old: Brain boosters
Your preschooler's brain is a beehive of activity as it forms countless new neural connections. Read More
Your 25-month-old: Potty time
Is it time to potty? Most 2-year-olds can't stay dry all day and all night. Read More
Your 25-month-old: Asking questions
Your little one's a budding conversationalist now. Read More


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DALLAS (DTN) -- Farmers from Minnesota, the Delta and the Texas Gulf Coast share little in common as far as geography, crops or farming methods. But three real producers from those regions will be tapping the new farm program's Price Loss Coverage (PLC) option for at least a portion of their base acres come the sign-up deadline March 31.
While most of the northern U.S. Corn Belt stands to collect significantly more from county-based Agricultural Risk Coverage (ARC) than PLC over the next five years, not all situations or crops are created equal. Reference prices for peanuts, long-grain rice and sorghum are set high enough to trigger potentially larger 2014 PLC payments, most farm bill calculators conclude.
Complicating the choice for other crops is that ARC-County will outgun PLC as long as: (1) Your county yields are not above average; and (2) USDA's marketing year average price for corn runs over $3.30/bu., soybeans over $7.80 and wheat over $5.50, advises University of Illinois economist Gary Schnitkey. Those thresholds favor ARC in 2014, but should prices nosedive further in 2015 and beyond, PLC could be favored in the out years.
With so many choices, three growers with three distinct strategies demonstrate why it's important to tailor farm program decisions based on individual circumstances and crops.
Minnesota farmers are supposed to win the ARC-County lottery this year, thanks to disastrous yields and an expected 2014 Marketing Year Average corn price that's fallen 48% since 2012. In some parts of Minnesota, that combination could translate into $73/base acre ARC-County corn payments for 2014 crops, University of Illinois calculators show, versus a mere $25/base acre for PLC. Soybeans might collect $3/base acre, versus zero for PLC.
The problem for a 10,000-acre Minnesota grain producer, who asked that his name not be used, is his business structure. This real operator, his wife, his son and several employee-owners are active managers in the business, but are eligible for only one joint $125,000 payment limit. That equates to the payment on slightly less than 2,000 base acres of corn.
"We're organized as a limited liability partnership because we wanted to keep the business simple for financing and operations," said the farmer, who also finishes hogs and cattle. Because he raises specialty crops like kidney beans, he never valued building a base and yield history in the past. Now "it just isn't worth reorganizing to collect government payments," so he plans to hedge his bets by enrolling some of his crops in ARC and the remainder in PLC.
The strategy here is that since PLC triggers on price only, it may pay in later years where high county yields could offset an ARC payment, as some Illinois counties will experience in 2014. Alternatively, ARC could pay when his county hits normal or below-average yields.
In Belzoni, Miss., diversified farmer Jeremy Jack will split his ARC-PLC choices on a crop-by-crop basis. Almost 100% of the counties where peanuts, canola, barley, flax, sunflowers and grain sorghum are grown fare better with PLC than ARC-County, studies by the University of Illinois show. So it's no surprise Jack will choose PLC on rice (a potential $51 to $102/base acre payment) and peanut coverage ($68 to $182/base acre). In both instances, ARC isn't likely to pay anything. On cotton's generic base, Jack intends to plant peanuts this year.


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As Rick Barnes was being introduced as the Vols' men's basketball head coach at Pratt Pavilion, Butch Jones was leading Team 119 through its fourth spring practice over on Haslam Field. But that doesn't mean that Barnes wasn't on Jones' mind as he was on the football field.More...
March 31, 2015
#VolReport: Jones Welcomes Barnes
March 28, 2015
#VolReport: Cracking The Pads
It was time to crack some pads on Saturday! Butch Jones led Team 119 through its first practice in pads this spring. Jones had a specific agenda for the day and he was pleased with the results. More...
March 26, 2015
#VolReport: Assistants Talk #Team119
Tennessee's assistant coaches met with the media to talk about the first two days of spring practice for Team 119. More...
March 24
#VolReport: Day 1 In The Sun
Butch Jones led Team 119 through its first practice on Tuesday under sunny skies at Haslam Field. More...
March 23
Jones' Pre-Spring Press Conference
Butch Jones met with the media to preview the Vols 2015 spring practice. More...


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small kitchen blues
Patrick MurphyJanuary 14, 2013
Wondering how others would remodel or change things about this galley kitchen?
If there is space, I'd consider removing the built-in pantry and recess the refrigerator there. I would extend the counter on the sink side to the same lenght as the opposite wall. With the refrigerator moved, you can have more counter space, and maybe have a floor to ceiling pull out pantry. Here is a photo..but this has the oven there too. Or,you could make the kitchen a U shape and put the stove/oven on the back wall, and get a counter depth refrigerator and pantry on the right side galley wall. Here is a U also, but stove would be where the sink is in photo.
If you move the fridge into the niche (if room allows), you could use some of that space for pantry. It would be the same depth as the other cabinets, so it would use up less floor space and have less visual weight.
Looks like it's too tight to try and make a u-shaped kitchen and leave the sink where it is. Sometimes galleys really are the best use of the space.
Looks like it's too tight to try and make a u-shaped kitchen and leave the sink where it is. Sometimes galleys really are the best use of the space.
Definitely extend the counter on the sink side and if possible extend the length of the window by removing some upper cabinetry. This galley kitchen is similar to mine. Explode this room with a sense of openess by eliminating the pantry doors and opening it up so to becomes a focal point upon entering the kitchen. Good luck!


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Norwood has 4 schools. Some of the best schools in Norwood are Norwood Elementary School with a GreatSchools rating of 9/10 and a parent rating of 4/5 stars. The average GreatSchools rating for Norwood public schools is 9/10, with an average student/teacher ratio of 11:1.
School data provided by National Center for Education Statistics, Maponics, and GreatSchools. Intended for reference only. GreatSchools Ratings compare a schools test performance to statewide results. To verify enrollment eligibility, contact the school or district directly.
Property is in very high demand and likely to sell quickly, even if it is overpriced or not in the best condition. Sellers receive multiple offers and the price is usually bid up above the seller's initial asking price.
Rental property is in high demand and availability is low. Rent prices have increased by 4% over the past 3 months. This is 17% higher than the county average of $3,116 and 6% higher than the state average of $3,555.
Trend data coming soon.
|For Sale: 38
|New: 11
|Recently Sold: 22
|Reduced: 11
|Average Home Price
|Average Sold Price
|Property Records: 1,879
|Foreclosed: N/A
The average home price in Norwood is $855,594, which is 63.2% higher than the average sold price in Norwood ($524,216) . The average home price per square foot in Norwood is $327 and about 1% of all homes in Norwood sold in the last 6 months. For Norwood home values, real estate prices, and city market trends, research the 1,879 property records or search our 22 recently sold or 38 homes for sale listings. The listings and properties in Norwood are only a part of the 2,636,438 properties and 56,425 homes for sale in New Jersey. Because of this, the average home price and average home value of Norwood also influence the average home price $147,276 and average sale price $345,118 of New Jersey. Listing counts, Norwood home prices and home values in Norwood are sourced daily from listing and property data on realtor.com®, which is the most up-to-date and accurate aggregation of real estate listings in the industry and includes approximately 800 regional MLSs and is the official website of the National Association of Realtors®.
|Median Age
|Median Household Income


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OLD WESTBURY, N.Y. (Feb. 19, 2013) - For the fourth straight week the NYIT women's basketball team has climbed its way up the USA Today/WBCA Coaches' Top 25 Poll and this week reached a No. 17 national ranking, it was announced Tuesday by the Women's Basketball Coaches Association (WBCA).
The Bears move up from a No. 19 ranking last week after producing a 3-0 week that included victories over Mercy, Bridgeport, and St. Thomas Aquinas. NYIT is tied for first place in the East Coast Conference with No. 15 Dowling. The two teams will battle for the ECC regular-season title on Wednesday, Feb. 20 at 8 p.m at Recreation Hall in Old Westbury, N.Y. The Bears will also find out where they stand in the region on Wednesday when the first NCAA regional rankings are released.
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1 of 2 Items
Adolph Pichler.
Historical and Public Figures: A General Portrait File to the 1920s
Stephen A. Schwarzman Building / Print Collection, Miriam and Ira D. Wallach Division of Art, Prints and Photographs
All Any
Image ID: 1812544
Adolph Pichler.
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text: A Little Flush (Little...Books) by Benoit Charlat buy used Used & Rare price $7.01 new from$2.00 shop with confidence SPECIAL SHIPPING CONSIDERATIONS FOR USED & RARE ITEMS. Please see the special considerations for shipping Used & Rare items, including extended delivery times, possible import duties & taxes. Delivered in 3-5 weeks Format: Hardcover Publisher: Barron's Educational Series Condition: The following ISBNs are associated with this title: ISBN - 10:0764163671 ISBN - 13:9780764163678 Seller Comments: A tradition of southern quality and service. All books guaranteed at the Atlanta Book Company. From the Publisher Children who have reached the toilet-training stage will think this is the funniest book they''ve ever seen. Most parents will smile, too, as children and parents turn the pages and follow the antics of a comical group of animals. Here, in amusing words and pictures, is gentle encouragement to toddlers who are going through their toilet-training stage. The color illustrations on every page are large and bold, and the story concludes with a sound button for kids to press. A little chick watches as a little pig, a dog, a pair of penguins, and several other animals take turns sitting on the toilet. At last, it''s little chick''s turn. The book''s final two-page spread features a pop-up showing all the other animals shouting Bravo! as the little chick flushes the toilet. When kids press the sound button on the toilet''s lid, they hear the toilet flush.


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Peacock Alley Fanfare Bath Sheet Towel
Peacock Alley Fanfare Bath Sheet Towel
Weights & Dimensions
|Product Type: Bath sheet
|Material: Egyptian cotton
|Number of Items Included: 1
|Fabric Weight: 660 Grams per Square Meter (GSM) [Fabric Weight]
|Pattern: Solid
|Gender: Unisex
|Border Type: Dobby
|Pre-Washed: No
|Lightweight: Yes
|Recommended Cleaning Method: Machine wash
|Country of Manufacture: Imported
Still have questions about this product? We're here to help
Peacock Alley Fanfare Bath Sheet Towel
About the ManufacturerA Peacock Alley customer is a customer for life. Peacock Alley is committed to producing luxurious quality bed linens and other products to a wide range of customers, encompassing specialty retailers, high-end department stores, high-end mail order catalogs, company-owned stores and through the Peacock Alley website.Duvet covers, coverlets, shams, sheets, bed skirts, bath robes and shower curtains are just a few among a wide range of products manufactured and imported by Peacock Alley.
Peacock Alley uses the finest-quality Egyptian cotton in its sheets, coverlets, fashion bedding ensembles, bath towels and bath robes. Best known for its classic white and neutral-toned linens, complemented by exciting accent colors and sophisticated print motifs--Peacock Alley is sure to add comfort and supreme luxury to your living space.
Tell us what you think!
Tell us what you think about this product. It will help us provide you with better products in the future and help your fellow shoppers make better purchases.Write the first review


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& Celebrations
Make these Mexican-style pizzas with turkey, beans, corns and two types of cheese – a warm, filling on-the-go dinner that's ready in just 30 minutes!
©2014 General Mills, Inc. All Rights Reserved. This information will only be used to send an email to your friend(s) and will not be saved. Please read our Privacy Policy.
© 2015 ®/TM General Mills All Rights Reserved
Two Cheese Garlic Bread Mini Pizzas
Spinach-Artichoke Mini Bites
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Baked Artichoke and Jalapeño Cheese Spread
Chicken Alfredo Pizza
Double Cheeseburger Pizza Rounds


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50th member has joined our community
Expand Messages
- Just a quick note to the Cab-converter community to note that
the 50th Macintosh contester has joined our group. Excellent!
The major contest for the Sping have now concluded but there
are still some interesting things happening this summer. The
CQ VHF contest in June, for example, is lots of fun -- and
supported by Cab-converter.
I hope to work on the program and add some new features before
the next major contesting season begins this fall. I'm considering
adding a summary report so you could easily post to the 3830
contesting reflector, for example. If you have other ideas, please
drop me a note here. Let's discuss them!
Thanks to all who have given Cab-converter a try. I hope you've
had fun both on the air and seeing your score posted in the
contest results. I know I have!
73 and see you on the bands.
-- Scott (NE1RD and author of Cab-converter)
Your message has been successfully submitted and would be delivered to recipients shortly.


text:
Sports Betting Odds & News
SportsBetting.ag is the best online sports betting sites for many reasons. We have a reputation of providing players an upper hand with our early opening sports betting lines and constant promotions that reward free money to play with. In order to deliver a full online sports betting experience, SportsBetting.ag provides comprehensive news on a daily basis with previews and predictions of the biggest events in our sportsbook. Players come back to bet online with us because the experience is a safe, simple and secure destination.
#7 Wichita St. vs #3 Notre Dame – College Basketball Lines & Preview
After taking down two-seeded Kansas, Wichita St. moves on to the sweet 16 to take on three-seeded Notre Dame Fighting Irish. The shockers proved they are the real deal. Notre Dame survived two close contests and looks to win their third and stop Wichita St. dead in their tracks.
Read More
#5 West Virginia vs #1 Kentucky Preview & College Basketball Lines
The number one seeded Kentucky Wildcats will continue their historic run toward perfection as they go up against a very worthy opponent in the number five seed West Virginia Mountaineers. Head coach of the Mountaineers Bob Huggins is 8-2 all time when going up against Wildcats coach John Calipari, which may prove to be a significant factor in this matchup. The winner of tonight's game advances to the Elite 8, where the victor will face either Notre Dame or Wichita State.
Read More
#4 North Carolina vs #1 Wisconsin Preview & college basketball Lines
The top-seeded Wisconsin Badgers take on the fourth seeded North Carolina Tar Heels in a regional semifinal on Thursday night at Staples Center. These two teams have met twice before in the NCAA Tournament, with the Tar Heels winning both times. Reaching the Sweet 16 for the first time since 2012, North Carolina is 25-6 all time in regional-semifinals matchups going into Thursday's game.
Read More
#8 NC State at #4 Louisville – College Basketball Lines & Preview
NC State took down the number No. 1 seed Villanova in the second round and looks to do the same to another higher seed in Louisville on Friday. NC State defeated Louisville in the regular season, and proved they should be regarded among college basketball's best by taking down both Duke and North Carolina as well.
Read More
#6 Xavier vs #2 Arizona - College Basketball Lines & Preview
The second-seeded Arizona Wildcats may feel like they have a point to prove after losing in the NCAA Tournament's Elite 8 game last year. Now, they have a chance to get there again. The sixth-seeded Xavier Musketeers simply want to prove that they belong.
Read More
#5 Utah vs #1 Duke - College Basketball Lines & Preview
After crushing their first two opponents, the No. 1 seeded Duke Blue Devils looks to continue their climb to a 16th Final Four appearance on Friday against the fifth-seeded Utah Utes. Coach K is in familiar territory, equipped with a squad that can take him and his school back to the promise land yet again.
Read More
#11 UCLA vs #2 Gonzaga - Sweet 16 Lines & Preview
UCLA has displayed the ability to not only shoot the ball exceptionally well from beyond the arc, but also dominate in the paint. However, the second-ranked Gonzaga Bulldogs are no UAB, having arguably their most talented lineup in school history.
Read More
How Will Mayweather vs Pacquiao Fight Play Out? Making the Case for Floyd "Money" Mayweather
It's the fight of a generation, the hotly-anticipated (and long-awaited) pound-for-pound showdown between Floyd "Money" Mayweather and Manny "Pacman" Pacquiao. Floyd is no longer a young man, giving away two years to his opponent. But he's an undefeated champion, unbeaten in 47 fights.
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How Will Pacquiao vs Mayweather Fight Play Out? Making the Case for Pacquiao
It's the fight hardcore boxing fans and armchair enthusiasts have been waiting five long years to see. And finally, on May 2nd, the score will be settled: who is the best pound-for-pound fighter of this generation? Manny "Pacman" Pacquiao will square up to Floyd "Money" Mayweather Jnr in the most lucrative, anticipated fight in boxing history.
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It's here Canada. Google's Nexus One phone just got released for the Canadian market and US customers on AT&T. Previous Nexus One phones would only utilize 2G and EDGE network connectivity, not the best for your Android experience, but good enough. Now Google has announced a compatible 3G version, so T-Mobile USA is no longer the only one with a Nexus offering and Canadian Rogers Wireless customers can get on board.The phone can be purchased from Google's phone store for $529 USD, free shipping in the USA.Read More »
Tag Archives: rogers wireless
Vancouver area graveyard getting a Rogers cell tower?
Vancouver is easily one of the most expensive and least affordable places to live in the country. That's why more and more people are moving into the suburbs and this has created an added strain on the cellular coverage in the 'burbs. To better address these concerns, Rogers wants to set up a new cell tower... but they want to do it in a cemetery.Apparently, Rogers Communications wants to erect a new cell tower in the middle of the Port Coquitlam Cemetary. This tower will be forty meters in height and will provide better coverage to people living in the Port Coquitlam area, which is about half an hour from Vancouver proper.Read More »
Samsung Galaxy Spica powered by Android, heading to Rogers
It may have started out with just the T-Mobile G1 and the HTC Dream G1 (the same hardware), but the Google Android phenomenon is really starting to pick up steam all around the world. If you're looking for a new Android phone from Rogers, look no further than the Samsung Galaxy Spica. It has been confirmed for Canada's big red carrier.This started out as just a rumor, but it has been confirmed that the Samsung Galaxy Spica will indeed be offered by Rogers Wireless. As expected, it's got a big touchscreen again.Read More »
HTC Magic upgraded to HTC Magic+ by Rogers Wireless
Following up on the HTC Dream, the HTC Magic was the second Google Android phone to grace the shelves at Rogers Wireless. It offered a full touchscreen-based interface and worked well to introduce Canadians to the Android way. Well, it's received a sizable upgrade; so sizable, in fact, that Rogers is calling it the Magic+.As you may recall, both the HTC Magic and the HTC Dream were pulled off the shelves at Rogers so that they could deal with a pesky 911 software issue.Read More »
REVIEW: LG Eve GW620R Android Smartphone
Your ads will be inserted here byEasy Plugin for AdSense.Please go to the plugin admin page toPaste your ad code OR Suppress this ad slot. One thing that really changed in 2009 was the increasing popularity of the Google Android platform. In the beginning, we only had the T-Mobile G1 (HTC Dream G1) if we wanted to get into the ...Read More »
Rogers Picks Up Sony Ericsson XPERIA X10 Exclusive
Your ads will be inserted here byEasy Plugin for AdSense.Please go to the plugin admin page toPaste your ad code OR Suppress this ad slot. The first Sony Ericsson XPERIA (X1) featured Windows Mobile under the hood, but the smartphone-makers opted for a whole new skin and a Google Android platform for the Sony Ericsson XPERIA X10. As you may ...Read More »
Rogers Wireless Comes Under Fire, Charges for "Free" Text Messages
And it seems like Rogers Wireless is getting itself in trouble again. Rosanna von Sacken is the mother of three teenagers and she is very displeased that the terms of her agreement have been changed on her. More specifically, she was told that all text messages received would be free (with the exception of "premium" messages), but now she's getting ...Read More »
REVIEW – BlackBerry Bold 9700 from Rogers Wireless
We officially found out a couple of months ago that Rogers Wireless would be carrying the BlackBerry 9700. Well, it is most definitely a part of their holiday lineup and we were lucky enough to get our hands on a review unit to take out for a test drive. If you're looking for the latest and greatest from Research in ...Read More »
Text-to-Donate to the Salvation Army Canada
What do you want for Christmas? It's easy to yearn for the newest Guitar Hero or MacBook Pro, but you also have to realize that there are a lot of people who are less fortunate than you. They need warm clothes, a hot meal, and just a little bit of love. Thankfully, it's easier than ever to give back to ...Read More »
Rogers Starts Selling Nokia N86 8MP Camera Phone
If you were really antsy, then you may have already purchased the Nokia N86 from the Nokia USA flagship store earlier this year. For the people who were willing to wait, however, Rogers Wireless is now offering this 8-megapixel camera phone and you can have it for a fraction of the unlocked, unbranded price. As you may recall, Rogers announced ...Read More »
Free "My Account" iPhone App for Rogers and Fido
Want to make sure that you're not yakking past your minutes this month? Nowhere near a computer where you can log into your account and you don't want to bother with calling 611 on your handset? It seems that Rogers Wireless and Fido have the iPhone people covered with the new "My Account" app. Naturally, both the Rogers and Fido ...Read More »
Get HTC Magic for Free from Future Shop
As I was poking around in the weekly flyer from Future Shop, I saw something that just might be fantastic news for all the Google Android fans in Canada. Want to get the 'droid, but don't want to break the bank? You might want to head over to Future Shop to grab your HTC Magic smartphone, since they're selling it ...Read More »
Rogers Wireless Announces Camera-Happy Nokia N86
We got a good look at the Nokia N86 camera phone when we learned that the Nokia flagship stores would be selling it in the United States, but what about a carrier subsidy? Well, Canadians are getting treated to eight megapixels of greatness, thanks to Rogers Wireless. It's not like this announcement came out of left field. Early last week, ...Read More »
Nokia Surge QWERTY Phone Hits Rogers Wireless
If you're a fan of phones like the LG Rumor and Samsung Gravity, but you find yourself wanting something with more of a Finnish flair, it seems that Rogers Wireless has just the ticket for you. Offering a smartphone-like experience at a more affordable price is the newly announced Nokia Surge 6790. This announcement didn't exactly come out of left ...Read More »
Ultimate Sub-$100 "Webphones" from Rogers Fight Back
Rogers has been able to enjoy quite the healthy GSM monopoly in Canada for a number of years, but some heavy competition is just around the corner. Naturally, the suits at Rogers need to come up with sommething to respond to these new entrants and they're doing it with "webphones" priced at under $100 each. At least, that's how it ...Read More »


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Dr. Paul S. Koch, MD
- 566 Toll Gate Rd
Warwick, RI 02886
- 3 Locations
- (401) 738-4800
Dr. Paul S. Koch graduated from the Tufts University School of Medicine in 1977. He works in Warwick, RI and 2 other locations and specializes in Ophthalmology. Dr. Koch is affiliated with Kent Memorial Hospital and Landmark Medical Center. He speaks English, Portuguese and Spanish.
Gender: Male
Languages Spoken: English, Portuguese, Spanish
Medical School: Tufts University School of Medicine; Graduated 1977
*This physician has multiple office locations. See Office Information for details.


text:
Identify Vine and best transplant options
Hello, we have some climbing vines on the side of our house. They've been there since I was a child and I need to remove them but don't want to destroy them. This is very dry clay type soil so it's difficult to dig more than 6". I've tried moving them and thought I got all the root but I believe I may have done too much damage and the transplants died. I also waited until late this summer and collected what I thought maybe seeds sprouting from the vines but no luck. Can anyone identify this weed like vine I have in Nebraska and recommend transplant options? I thank you so much in advance for any help offered!
Looks like Virginia creeper, Parthenocissus quinquefolia.
Here is a link that might be useful: MOBOT - Virginia creeper
Thankyou so much for your reply! Is there any more pics I can provide for a definite answer? If not, while I suspect many of these type of plants tolerate a transplant similiarly,can you offer advice on best practice to transplant repopulation in the new area?
When you say "rootstocks" I've been lucky enough to find some odd horizontal running roots. At least I think they're roots. Are those what your referring to? I've transplanted these before with no luck but I think I may have damaged them too much digging them up.The ground here is VERY hard clay type. It's mid fall now, and the leaves have began to color and fall off. Is this a good time to try a transplant?


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What Brewers best kit would help me achieve a beer thats closest to blue moon?
Not a kit recommendation, but I will refer you to this very..very reliable thread:http://www.homebrewtalk.com/f12/blue-moon-clone-65328/
I would try the Witbier kit. I've never made their recipe and on their website it just says "Spice Pack". Some coriander and orange peel is usually the norm.
Draft 1: Lightly smoked Weizen
Draft 2: Belgian Wit
Draft 3: Rauchbier
Primary 1: German Scwarzbier
Primary 2:
On Deck: Belgian Brown Ale, Pale Ale, Stout
Brewer's Best Witbier Kit. Cheers!!!
If Homebrew & BBQ aren't the answer, then you're askin' the wrong questions... Cheers!!!
This is AHS version of Blue Moon. Check it out.http://www.austinhomebrew.com/produc...59493fbd733f72
As Wayne will tell you, you want to use a neutral yeast and not a belgian wit yeast so that the citrus flavor will come though. I have a blue moon-ish beer fermenting right now and cant wait to try it out
wayne recommended to me to use S-05.. I have made several batches and it may not be 100% blue moon, it is damned good beer. In fact I have ben asked to make it for a wedding reception. I have 2 batches ready to keg and one to make.


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Hi: 8° Lo:2°
By Chris Willmott Thursday 22 November 2012 Updated: 28/11 10:55
HUNDREDS of mourners celebrated the 'inspirational' life of Knowle's double Olympic medallist Tommy Godwin at a memorial service in the village church.
Mr Godwin passed away on November 3 at the Marie Curie hospice in Solihull at the age of 91.
And his friends and family paid emotional tribute to his life at Tuesday's ((November 20) service.
The sporting inspiration won two bronze medals at the London 1948 games and spent his life involved with his beloved cycling.
He managed the British cycling squad at the 1964 Olympics in Tokyo, was president of the British Cycling Federation and founded the Birmingham RCC.
In later years Tommy also ran a bike shop in Kings Heath, passing on his love of cycling to everyone who walked through the door as well as visiting schools and community groups to share his passion for the sport.
Buy photos» Knowle Church was packed with friends, family and those Tommy had been an inspiration to. 47.012.049.sol.nc2
Buy photos» One of the proudest moments of his life was carrying the Olympic Torch through Solihull earlier this year.
1 Health bosses shake on Urgent Care Centre location
2 Man dies in Hockley Heath crash
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As the rain gives way to ice and
ALL of Jessops 187 stores are set to
MOTORSPORT enthusiasts will get a chance to see
It was a long time coming, and has
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Inheriting the pure intonation and fluid keywork of the original La Voix saxophones. The new La Voix II instruments return to a more traditional bell size that offers the player a tone with more focus and ease of blending. Ideal for concert band and solo playing.
SELMER STS280 La Voix II Tenor Saxophone Outfit Silver Plated
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SELMER STS280 La Voix II Tenor Saxophone Outfit Features:
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Includes: Trek style case / Selmer mouthpiece / ligature and cap / care products
LovelyAs reviewed by Carolina Quinones on 10/13/2013
I've had this sax for over two years and I've played it almost everyday and let me tell you how amazing this sax is. It has a beautiful tone, and playing it feels natural. Whenever I pick up another tenor, it just didn't feel right. The La Voix II is easy to play and its slick. What I mean is that it's easy to slur the notes and still get a beautiful tone out of it. I play concert band and jazz on this thing, about two hours of class every day plus practices at home and it takes it all. The mouthpiece got chipped but it still plays good. All in all, great sax for students who are serious about music. Big plus.1 of 1 people found this review helpful.Was this review helpful?Thank You for rating this review!
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wanted: wanted: double or shredded brugs
I am interested in shredded or doubles. I have to offer:
clivia (plant)
Abutilon Marion Stewart (gorgeous and huge and covered with blooms) (plant)
Brug cutting Jean Pasco, Insignia Pink
Red firespike (plant)
Purple firespike (plant)
Sesbania punicea (scarlett wisteria) (plant)
Caeslipinia mexicana (plant)
Dwarf Pride of Barbados (plant)
Coral vine (plant)
orange plume (plant)
yellow plume (plant)
Pink plume (plant)
Rouge berry (plant)
Clerodendrum musical notes (plant)
Clerodendrum bridal veil (plant)
Misi Luke banana pup
Praying hands banana pup
Red and white bleeding heart vine (very large plant)
Datura seeds: La Fluer, Alba, Ballerina
Red Castor bean seeds
Let me know if you have brugs that match my desires and if anything I have grabs your fancy!
The clivia are orange. They are not big clumps. 5 2 inch leaves. They are all part of a very big plant that I separated into parts and planted in the ground when I moved here from Virginia 4 years ago. They are blooming age. The leaves are a bit tattered since they live outside but they are healthy and happy.
Are you going to any of the Florida swaps? Maybe GrowGrow's (Veronika's in September) or FawnRidge's (Ricky's in the fall)? I'm interested in trading for your clivia and your bridal veil. I have 2 in the ground double brugs...Hawaiian Double White which is doing great in South Florida and Tiara which is slow growing and seems like the location I have her in might be too much. I have cuttings rooted of the Hawaiian and am working on Tiara but I'm planning on pulling them both out sometime soon so if you were going to a swap I could bring 'em since they're too much to mail.
I am now only planning on Kate's (Solstice's) here in Orlando. Are you coming for that one? It is Oct 20 or something close to that. I am having some GW's stay for a slumber party and garden tours the next day so you could come too!
I think Veronca's must be the Tampa swap this comiung weekend? I am not planning on that. When / where is Ricky's?
I am interested in the trade.
I would also like to talk to you off line about brugs in FL. I see from your trade list (boy do I want to see your garden!) that you have a bunch of brugs that have died on you. What gives? That happens to me too. I can have a healthy plant right next to one that goes belly up that are from the exact same stock! And some varieties just never go for me. aI usually lose them in the heat of summer. They just sort of shrivel up and go limp and yellow. Is that what happens to you?
And also why are you pulling yours up? Is that what you do at the end of the season or something? I am pretty new to brugs.
Be curious to know and let me know about the Orlando swap too.
Hey!!! I finally found you... I am interested in your Banana pups.. What size are they?? Maybe the Clivia I have a couple of doubles... Double delight, Double Peach, Tiara,Knighty,Miss B Havin ..I also have a smaller(maybe can get a cutting) Butterfly not a double but very pretty...
Santa Rosa...Painted Lady..
I have zebrina (ornamental), African Red (ornamental), musi luki (sweet dessert), praying hands, and dwarf red. The Misi Luki is extremely prolific and the fruit is awesome. But I love all my naners.
I have pups of all sizes. The only issue is the bigger they are the more expensive the postage! I usually trade by mail with pups that are about a foot long. But you can tell me what you want. I have even traded to CA! All my trades my mail have survived I am happy to say!
Do any of these interest you? I want all your brugs!! :-0 Please propose what you are willing to trade.


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Deep in the jungle!
Nearby is located the Khao Sok national park, one of the most wonderful places. One can stay there for the night, in a floating bamboo house. One can also stay in a treehouse. It is hard to do hiking in summertime, because of the leeches! But put some tobacco on the wound and it gets better!
- Hiking and Walking
- Jungle and Rain Forest
Klong Thom - Hot Mineral Baths/Waterfalls
Wow, I loved this one! The first time I came (and every other time) I didn't want to leave, a fantastic experience. After walking along the platform walkway through the jungle/forest, you emerge at the hot springs/jacuzzi. It's totally natural, nothing of the spring is man-made or enhanced.
Khlong Thom is a naturally formed hot mineral spring that cascades from one pool (or bath) to the next. The water is a thermal spring that ranges in temperature from 40-42 deg cel to 15-20 deg cel. The basic mineral composition is magnesium, phosphorus, calcium, fluoride and chlorine. Reputedly, these minerals have therapeutic value for such ailments as arthritis and skin conditions.
The "baths" look as though they've been formed by the roots of the surrounding trees fossilising into rock. In one of the pools a log has fallen into it and turned to stone. I thought the rock surface would be slippery, but it's not, which is lucky as it would be highly dangerous otherwise.
You can sit under the cascade from each previous, higher pool and have a great massage from the water flowing over your neck, shoulders and back. At the bottom, there is a wide, flowing stream which, once you're away from the rocks is pretty cold, but you can stand underneath a cascade, having hot water pummel you while you're standing in cool water, very therapeutic and enjoyable. All of this is under a canopy of trees which protect you from the sun. I felt fantastic when we left here, really revitalised and relaxed.
Klong Thom is located about 3-3.5 hours' drive from Phuket, about 30km from Krabi. Entry is 90 baht per person (foreigner). There is a 20 baht for parking a car and 5 baht fee for parking a motorcycle. No alcohol or food allowed. There are some food/drink shops including souvenirs at the entry.
- Road Trip
- National/State Park
- Eco-Tourism
Walk from island to island!
At low-tide, you can walk out from Nopparatthara beach to two small little islands nearby. Watch hermit crabs scramble all over the sand, and you may see the local children digging the sand for shell-fish...or even the occassional octopus!
Than Bokkharani National Park was flooded with water after all the rainy days of September.
It has nine caves, pools, and waterfalls.
Tall trees provide plenty of shade.
It is quite busy on week-ends but we only saw a couple of people all the time we were there.
- National/State Park
Wat Sai Thai is a wat in name only because there are not enough monks in residence to to make it official.
If you ask or are good at sign language one of the monks that are there will show you around.
There isn;t much left to see, an old bell-less tower and a former cremation hall from when it was an active monastery.
- Religious Travel
Sra Morakot - The Emerald Pool
Not far from the hot mineral springs - Klong Thom, you will find the stunningly beautiful Emerald Pool and its visit-worthy surrounds. The main point of attraction is the Emerald Pool, but its surrounding waterfalls, forest and pools are just as beautiful. You take the track straight to the pool, (700m) then make sure you do the nature walk on the way back which is 1.4km. Please check my travelogue for pictures.
Sra Marakot is another natural feature of warm water, around body temperature or maybe a little warmer. It is about 1.2m deep in the centre and shallower to the sides. The warmer the temperature, the more dense the blue/green colouring. This pool is fed by a small stream of water from the Magic Pool (which we didn't see) and also through the porous rock in the bottom. The water is crystal clear, you can see everything - the fish, every leaf and rock in it. You cannot drink this water, as it is high in Calcium Carbonate. Please check the website below for better pictures than I took. : )
On the slope above the pool there is a build up of Calcium Carbonate which is algae-like and extremely slippery, so if walking that way around the pool, beware!
Once again, nothing but water is permitted to be carried into the park. Entry is 200 baht for foreigners. There is Thai massage available at the park entrance, along with food and drink. Please check my warning/danger tip for further information.
- Eco-Tourism
- National/State Park
Holy Princess Pool
A strenuous, adrenaline-pumped and very worthwhile excursion from Tham Phra Nang Beach leads to a hidden lagoon in the middle of the limestone cape.
The lagoon is only impressive during the rainy season when it's filled with turquoise water, in the dry season it looks more like a puddle of mud. The track is very slippery in the rainy season, but that's part of the fun.
- Backpacking
- Hiking and Walking
- Budget Travel
View Point
...after 10-15 min of constant uphill climbing, the trail forks. It's a good idea to take a left and do a little side trip to a magnificent view point about 3min downhill. From there you can see Raileh East and West and other beaches from a bird's perspective.
- Backpacking
- Hiking and Walking
- Budget Travel
Visit Phra Nang Beach If You Can
I have found Phra Nang Beach to be the most beautiful beach during my short stay in Krabi. It was even better than Phi Phi Ley's Maya Bay (which was swarming with people as I went during the start of the high season), which was the area's most famous beach due to it being featured on the motion picture "The Beach".
Update: Phra Nang Beach was once considered by some authority to be the second most beautiful beach in the world and is still ranked as one of the top few.
You can take a long tail boat from Ao Nang Beach to this beach directly, but probably for a higher price than the 50 baht it cost from Ao Nang Beach to Railay West Beach. You can also rent a kayak from Railay West Beach and kayak to Phra Nang Beach (about 10 minutes) or you can take a 20 minutes walk from Railay East Beach to Phra Nang Beach.
- Beaches
- Kayaking
Go back to the intersection...
... and turn right this time. This is the trail to the lagoon. Soon you will come to a steep and slippery descent, it looks quite hair-raising, but this is only the beginning, just hang on to the rope, but move quickly, there are some nasty red ants. Once the descend is over, you'll find yourself in the middle of a dark jungle-like spot, and this is where the fun really begins...
- Budget Travel
- Hiking and Walking
- Backpacking
Shave Ice
From Railay West to Railay East takes about 5 minutes to walk. On Railay East there is a tiny vendor selling shaved ice. It's not as soft as shave ice in Hawaii but definitely refreshing on hot, hot day! The Thai shave ice includes a choice of native fruits or beans. I had it with melon syrup and holy basil. Not exactly sure what holy basil is but it sorta look like frog eggs. It has no taste or flavor but a jelly like texture.
- Food and Dining
Tiger Cave Temple
Take a taxi, or drive out to the Tiger Cave Temple. Make sure you pack water, your asthma pump and one of those hand held fans. Then you begin your climb up the 1300 odd stairs to see Buddha's footprint. And remember, the road to enlightenment is not an easy one - as the steep steps to the top indicate.
- Hiking and Walking
Lang Rongrian
I can only say a few Thai words and I was in a foreign land. So when a driver who was sending me back to my hotel asked, "Want to see cave?" you can say that I was more than a little apprehensive.
I would not mind exploring if I was alone. But I'd my wife and my little girl with me. But the more adventurous side of me prevail. I got a consensus from my wife and the reply that came out was "Yes! sure!"
I soon found out the true reason why the driver had suggested that location. His house was nearby the cave and he had hoped to stop by for lunch. The time was 4pm and he was too polite (Like most Thai people) to say that he has not eaten.
When we reached the cave, the driver quickly scuttled back home to bring along his candles to the cave - Lang Rongrian.
The excitement was just beginning. If you're a Archeology buff, keep your ears peeled.
Looking at the signboard which was planted at the entrance of the cave, I'd managed to pick up a couple of interesting facts about this cave. This archeological site dates back some 37,000 years.
This cave shelter is the oldest archeological site in the whole of South Thailand. When I stepped in, the cave gave me a very homely feel. This was home to so many families along the years. Men going out to hunt, the children playing at the mouth of the cave. Can just imagine the buzz of activities.
It felt like the cave had started to close in on me as I went deeper into it. It reached a point where if I had wanted to go deeper, I'd have to go on my hands and knees. Everything in front of me was pitch dark. My driver then threw a beam of light towards the cavity and my eyes followed the light. It could only illuminate that much.
My driver told me that you can go on for kilometres and still not see the end of the cave. I will take that as the truth. I bet you will too.
Extracting a sentence from a report I found online:-
"Lang Rongrian overlaps the period when homonids may have been evolving to Homo Sapiens, which was also a time of lower sea levels."
- Archeology
- National/State Park
- Family Travel
Tab Kak - Hang Nak nature walk.
To get to the start of this walk you have to have some sort of transport as there are no buses or song-thaews that come out here. Start of the trail is about 5 kms from Klong Muang centre and right at the end of the road after the TubKaek resort. In Klong Muang or Koh Kwang you'll find taxis that'll give you the ride out but try to barter for a return trip around 5 hours later. This lovely but very strenuous walk takes between 1 1/2 to 3 hours to get right up to the peak at about 500 metres high and is supposedly 3.7 kms in length. The path leads up through the jungle with some viewpoints overlooking the Andaman sea and the Hong islands, and on the other side off to Krabi town and Koh Lanta (only on a clear day). The path does get steep in parts and there are a couple of wooden ladder/steps to climb up. It is very well marked and trodden so no risk of getting lost, only near the top of the peak you have to climb the rock (not dangerous) so need to take your bearings. If you've brought a picnic this is the place to rest before the trek back down. On the way up you'll see a sign for a waterfall, but we never went to see it, having enough trouble to drag our tired legs up to the peak. There are supposed to be gibbons up there and can certainly be heard, but we didn't see any.
If many of you may recall the well read book and movie 'LORD OF THE FLIES'....the story depicts humanity situated in its own natural state - the state to survive and rule its own territory....as also depcited in CAST AWAY film.
This is TRUELY off the beaten track.
You can experience that 'being' here around KRABI islands -- pack you bags and live in the wilderness in solitude.
There are many islands.....go ponder.
* this note is made for information only and does not in anyway intend to induce. Any of such act are strictly of your own responsibility and may or may not abide to the tourism regulations of the kingdom. the author holds no responsibility of the provided information.
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Written by Samantha LaBat Wednesday, 25 March 2015 11:18
I would not say Renaldo is a real page turner.
Written by Jason Neubauer Wednesday, 04 February 2015 16:19
In Plato at the Googleplex: Why Philosophy Won't Go Away, Rebecca Newberger Goldstein offers some rather illuminating insight into why the same philosophy that was espoused by the ancient Greeks has survived these few millennia past the dark ages and the age of enlightenment, past the existentialists wearing big black shoes and speaking French for no apparent reason, and into today's curriculum for anyone who is looking to gain an understanding of philosophy in general.
Written by Jim Dunn Wednesday, 14 January 2015 23:36
While the book is David J.'s domain and may be painting Murphy with a black brush, some of the stories he tells are quite revealing.
Written by Brent Mueller Wednesday, 07 January 2015 22:02
Over two-thirds of the book are spent telling the story of the dead and the dying, introducing and then killing his characters over the course of a few pages until it felt like you were reading an obituary while the more important characters watched from a safe distance.
Written by Jim Dunn Monday, 22 September 2014 18:47
At its best, the book makes you want to visit these locations, and perhaps harass these restless spirits yourself.
Written by Brent Mueller Wednesday, 06 August 2014 20:56
It's these details and many others of Basu's story that draw the reader in and make them think, if only once, "Yeah, I probably would do that if I had superpowers."
Written by Laura Hamlett Wednesday, 07 May 2014 12:50
If you're interested in the freedom of information, national security be damned, then Harding's book should be on your reading list.
Written by Jamine Kille Wednesday, 05 February 2014 21:31
If you are prone to attaching to characters easily, I would suggest having a box of tissues close by; I certainly had some moments of wanting one.
Written by Jasmine Kille Sunday, 05 January 2014 09:34
Nelson's memoir, although saddening at times, leaves us hopeful by the end.
Written by Sarah Boslaugh Thursday, 29 August 2013 21:22
With the "art of" books, you have time to actually sit and contemplate said production design, while also learning something of the process that went into planning and making the film.
Written by Jim Dunn Tuesday, 27 August 2013 19:09
The book is a joyous read and will transport you back to a time when rock giants like Bowie and Mark Bolan (from T-Rex) roamed the planet.
Written by Sarah Boslaugh Friday, 07 June 2013 08:49
But, for all of that, this is really a story about a young man at a pivotal time in his maturation, as narrated by his older and wiser self. If that reminds you of "The Body"/Stand By Me, well, there are other parallels as well.
Page 1 of 17
Sunday, 04 January 2015 00:40
Thursday, 04 September 2008 02:25
Tuesday, 06 December 2005 04:19
Friday, 13 January 2012 13:05
Friday, 20 December 2013 00:00
Thursday, 12 November 2009 09:27
Wednesday, 14 January 2015 23:52
Thursday, 06 September 2007 13:54
Monday, 04 June 2012 21:22
Sunday, 20 January 2008 17:00
Wednesday, 25 March 2015 11:27
Wednesday, 25 March 2015 11:18
Tuesday, 24 March 2015 10:38
Wednesday, 18 March 2015 22:58
Tuesday, 03 March 2015 14:23
Thursday, 26 March 2015 00:00
Tuesday, 24 March 2015 10:32
Monday, 16 March 2015 14:22
Monday, 09 March 2015 13:18
Monday, 02 March 2015 12:40


text:
Scoop up most of the Desitin with something stiff and thin. A playing or credit card is ideal. Hold the card at the edge of the blob as close to parallel to the floor as you can get it while keeping its leading edge in contact with the carpet fibers. Then push forward quickly with medium force.
How to Get Desitin Out of Carpet
It likely happens more often than you think. The Desitin tube gets stepped on, or the little one squeezes it for fun and it gets all over the carpet. It's not the end of the world. If you act quickly -- as quickly as possible -- you'll be able to get the Desitin up before the zinc oxide stains the carpet. As you clean, take care not to push the Desitin even further into the carpet fibers where it will be more difficult to remove.
Things You'll Need
- Playing or credit card
- Towels
- Baking soda
- Carpet cleaner
Blot -- don't rub that will simply push the Desitin further into the carpet fibers -- as much residual Desitin as you can with a dry rag. As soon as one part of the cloth is saturated with Desitin, move to a clean part.
Pour baking soda on the remaining Desitin. Leave it for two to three hours to soak up the grease. Then scoop up the saturated baking soda with a stiff card.
Spray the spot with a grease-fighting commercial carpet stain remover according to the manufacturer's instructions. Then blot up the stain and the residual cleaner with a clean towel. Again, move to a fresh section of the towel once you dirty one section.
- 1
- Photo Credit Jupiterimages/BananaStock/Getty Images
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Family pay tribute to father found on Cumbria fell
Last updated at 18:49, Friday, 15 August 2014
THE family of a man whose body was found in the Lake District almost four years after he went missing have spoken of their sadness and sense of closure.
The body of 41-year-old Chay Lancaster was discovered by climbers at the bottom of Blake Rigg, Little Langdale, on July 28.
Mr Lancaster, a father-of-three, went missing from Blackpool while walking alone in the Lakes in September 2010.
Searches by mountain rescue teams did not produce any results, leaving his family with more questions than answers.
However, Mr Lancaster's body was finally recovered last month. It is believed he may have fallen.
Mr Lancaster's daughter Anna, 24, paid tribute to her father.
She said: "It is not what we wanted but as time went on, it was becoming less and less likely he would be found alive.
"We don't know exactly what happened, and we might never know, but he was doing what he loved, walking in the Lake District, and that is of some comfort to us.
"I always thought the worst had happened. He left his house with his laptop on charge and his bathroom window open which weren't the actions of someone who did not intend to return home.
"Now we are glad to have him back so that we can put him to rest."
A spokesman for Lancashire Police said there were no suspicious circumstances surrounding the death.
Mr Lancaster had not been seen by his family since September 11 2010. CCTV spotted him getting off a train in Windermere.
First published at 18:13, Thursday, 14 August 2014
Published by http://www.nwemail.co.uk
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Resource Cumbria
Walk to remember
Choosing a secondary school
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