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Shows > Music Video Premieres
The Black Angels - "You're Mine" (Official Video)
This quasi-Satanic Z-gore homage is the latest video from the Black Angels, Austin's pied pipers of scuzzy iso-tank psych. In addition to a seemingly endless procession of babes, the vid features an occultish chicken dinner, an new age jam sesh, and "special" "effects" straight from a Herschell Gordon-Lewis fright flick. It's off their new record, Indigo Meadow, which you can pick up by clicking right here. And be sure to catch the Black Angels on tour this summer—dates are below.
Video Directors: Ari Guerrero, Marie Ely
Video Producer: Roxie Rodriguez
Production Company: MARIROX Productions
Cinematographer: Paul Galvan
Editor: Matt Briones
The Black Angels Tour Dates
July 10 US Red Rocks w/ Robert Plant Presents The Sensational Shape Shifters
Aug 21 US Solana Beach Belly Up
Aug 22 US Pioneertown Pappy & Harriet's
Aug 23 US Santa Ana The Observatory
Aug 24 US Monterey First City Festival
Sep 07 Netherlands Oost Vlieland Into The Great Wide Open Fest
Sep 09 Germany Hamburg Knust
Sep 10 Germany Cologne Luxor
Sep 11 Belgium Brussels Organerie
Sep 13 UK Leeds Cockpit
Sep 14 UK Glasgow Classic Grand
Sep 15 Ireland Dublin Button Factory
Sep 17 UK Manchester Gorilla
Sep 18 UK London Electric Ballroom
Sep 20 France Angers Levitation
Sep 22 France Lille Aeronef
Sep 23 France Paris La Trianon
Sep 25 France Lyon Epicerie Moderne
Sep 28 France Toulouse Bikini
Oct 4-6 US Austin Austin City Limits
Oct 11- 13 Austin Austin City Limits
Deathly Doom Crew Foehammer's New Album Will Pound Your Sunday Into Dust
A Chat With The Guy Behind 'Music for Commuting,' Which Is As As Ignorable As It Is Interesting
I Saw Journey and Santana in Mexico and Learned a Lesson About Life
An Oral History of Sick Of It All, Part I: Early Days, New Beginnings, and Swastikas
More From This Show
Björk Premieres the Video for "Lionsong" on Noisey
The first video from 'Vulnicura' was inspired by a "Balinese dancer cast in bronze."
Big Narstie & Show N Prove - "Gas Pipe" (Official Video)
The other night Big Narstie went hard with Ed Sheeran, here he premieres his new video for "Gas Pipe" with Show N Prove.
SK!TZ Beatz feat. Footsie & Johnny Dollar - "Warrior" (Official Video)
SK!TZ Beatz has worked with the likes of Dizzee Rascal and Wiley and here he's premiering his new video, featuring Newham Generals' Footsie and newcomer Johnny Dollar.
Screaming Females - "Hopeless" (Official Video)
Blood-splattered guitars and abandoned playgrounds, the New Jersey trio return with this Lance Bangs-directed video.
Tunj Ige - "For Us" (Official Video)
"'For Us' I feel is a critique on the social climate as well as what someone like me has to battle through, being myself, especially with where I'm at."
Nocturnal Wildlife Is the Star in Robert Robinson's 'Dead Possum' Video
The Sore Eros guitarist steps out on his own with the help from some furry bandits.
Æ - "LÅT ALLA GAMLA DRÖMMAR DÖ" (Official Video)
This new film aims to explore the transition from youth to adulthood.


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Got other plans in mind for Derby Day besides heading to Churchill Downs?
Today until 8pm only, receive 20% off your entire purchase at the Parent-Teacher Store during their 5-year anniversary celebration.
The Mayor announces a city parade and other festivities to celebrate the UofL Men's Basketball National Championship.
Support this local petting zoo at a cash mob on Thursday, April 25, 4-5:30pm.
Check out one of the largest children's consignment sales in the area this weekend, Thursday, March 21-Sunday, March 24.
If you're planning on being in the Louisville Area during your child's spring break, you may be interested in a variety of spring break camps or touring the city yourself during April 1-5.
Slow things down with your kids this winter break.
Round-up of local ice skating venues and events. Check them out over holiday break!
A weekend of festive fun that's full of holly jolly cheer awaits you beginning Friday, November 30.
treat your kids to some delicious Cuban fare!
Make trick-or-treating easy on yourself through family friendly and safe events.
All aboard to LaGrange Railroad Festival
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- 4 of 4

subset: commoncrawl


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Christy-Martin will manage faculty members across west Florida, oversee faculty recruitment, faculty and staff training for the School of Business, as well as faculty workshops and community presentations.
Burr & Forman LLP
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Katy Perry's Supposed New Song 'She's So Creepy' Rumored to Be About Taylor Swift
Could Katy Perry's rumored new track 'She's So Creepy' be about Taylor Swift?
Could Katy Perry's rumored new track 'She's So Creepy' be about Taylor Swift?
See the full list of winners here!
2015 could be a huge year for Christina Aguilera fans! Not only is the singer returning as a judge on 'The Voice,' she could be dropping a new album.
Chris Brown and Tyga have teamed up to release a new track called 'Ayo,' which fans have been eagerly awaiting since the collaboration was first announced.
Considering how eager all of us are to get new music from Rihanna, it should come as no surprise that even a possible leak of material is enough to get us excited. But is 'World Peace' actually a Rihanna song?
Usher is the type of guy that can sing the alphabet and women and few guys too will swoon. His voice is truly like "butta" , but I have got to say I am not feeling this new song.
Are Justin Bieber and Michael Jackson's eldest son, Prince, working on new music together?
Idina Menzel is in the hot seat for her performance of her own song during Dick Clarks Rockin' New Years Eve Celebration in Times Square. She has been blasted on Twitter and many people have been making really mean remarks.
A solid set of headphones, top of the market in both style and substance.
Madonna has gone back on record to deny that there's any issue between her and Lady Gaga.
We all do it, but some of us make more of a spectacle of ourselves than others....singing or saying the wrong lyrics to songs.
Happy Holidays from Madonna, even though her couple of songs were released a little early. Plus the Pink Diva herself is back with a vengeance, these are great last minute gift ideas.


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News Panel: The latest on the Occupy movement, health care reform and more
Watch Complete Episode: November 18, 2011 »
The Occupy movement, now going into its second month, continues to gain momentum. Students, concerned about tuition hikes and economic inequality, have been staging a series of "Occupy"-style protests on college campuses across California. A report by the Legislative Analyst's Office projects the state budget will fall short by almost $4 billion this year, which could lead to more cuts to public education, libraries and social service programs. What's at stake for California, where implementation of the Affordable Care Act has already begun, now that the U.S. Supreme Court will review President Obama's health-care reform law?
- Nanette Asimov, San Francisco Chronicle
- John Myers, KQED News
- Sarah Varney, KQED News
Also on KQED.org this week ...
KQED Celebrates Women's History Month
KQED proudly celebrates the richness and diversity of the greater San Francisco Bay Area by commemorating Women's History Month. In March, KQED Public TV 9 and Public Radio 88.5 FM schedule a special lineup of programs focused on themes and issues related to women.
"Boomtown" History of the San Francisco Bay Area
KQED's "Boomtown" series will seek to identify what is happening in real time in the current boom, and also draw out the causes and possible solutions to the conflicts and pressures between the old and the new.


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Dr. George J. Vassar, MD
Urological Surgery
- 255 E Sonterra Blvd Ste 200/203
San Antonio, TX 78258
- 2 Locations
- (210) 499-5158
Dr. George J. Vassar graduated from the University of Texas Medical School at San Antonio in 1994. He works in San Antonio, TX and 1 other location and specializes in Urological Surgery. Dr. Vassar is affiliated with Methodist Hospital and North Central Baptist Hospital. He speaks English and Spanish.
Gender: Male
Languages Spoken: English, Spanish
Urological Surgery
Medical School: University of Texas Medical School at San Antonio; Graduated 1994
*This physician has multiple office locations. See Office Information for details.


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Bright ideas and inspiration are the foundation of a growing small business.
Here's how you can turn a 'light bulb' moment into something tangible and...
Find out more about the ins and out of protecting your intellectual property.
Follow our tips on how to come up with the most original ideas for your business.
There's no doubt some of us are naturally more driven and creative in our approach to...
Grants, schemes and help for developing your innovative idea.
Ever used a selfie video to apply for a job? @startupdaily_au tell us about the app making it happen. http://t.co/1tiucKWUAQ
Are you up to date with Google's algorithm changes? @tonyeades fills us in here... http://t.co/cIqNT9WGY3
Feeling left behind by technology? You're not alone. Here are 6 skills you really should have. After all, it's 2015. http://t.co/BIDqKWZgaZ


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Mary Elizabeth
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Oct. 18, 1917
Mar. 19, 2003
Mary Elizabeth Biglane Cagle--Born October 18, 1917, to Dr. and Mrs. T.E. Biglane of Collins, MS, a long-time resident of Jackson, MS and a resident of Mobile since 1986. Mrs. Cagle died in a local hospital on March 19, 2003. She was preceded in death by her husband, S.P. Cagle; three sisters, Maxine Rutland, Camille Cross and Ella May Tucker and one brother, Z.S. Biglane. Mrs. Cagle was the Pre-School Director for the Calvary Baptist Church in Jackson, MS, for many years. She was loved by young and old, never met a stranger and had a sincere interest and concern for everyone. Her yard and flower gardens were her pride and joy. She loved the Lord, her family, her neighbors and her many friends. Mrs. Cagle is survived by her daughter and son-in-law, Rebekah and John Butler of Mobile and one granddaughter, Elizabeth Butler of Dallas, TX; other survivors include two nieces, Barbara Ryals and Ruth Elizabeth Schaeffer; three nephews, Glen H. Cross, Kerry Tucker and John Lawrence Dykes; sister-in-law, Mildred Cagle and brother-in-law, Herbert E. Cagle, both of Jackson, MS. The family greatly appreciates the kindness of Dr. Hashimi, Dr. Boyer, Dr. Sawyer and the staff of the Cardiac Care Unit at Providence Hospital. Funeral service will be on Saturday, March 22, 2003 from the Spring Hill Avenue United Methodist Church at 12:00. Visitation will be at 11:00 a.m. at the church. Burial in Pine Crest Cemetery on Dauphin Island Parkway. Minister, Rev. Dr. Hannah Garrett Johnson. Funeral arrangements by RADNEY FUNERAL HOME, 3155 Dauphin Street Extension, Mobile, AL.
Published in the Mobile Register, Mobile, Alabama from 3/20/2003 - 3/21/2003.
Family links:
Samuel Perry Cagle (1911 - 1987)
Calculated relationship
Pine Crest Cemetery
Mobile County
Alabama, USA
Plot: Section 30
Created by:
Lisa Enochs Davison
Record added: Dec 05, 2009
Find A Grave Memorial# 45152817
Added by:
Lisa Enochs Davison
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Nanny, I think about you every day and wish you were still here so we could talk! I miss you and know you are happy to be in heaven with Paw Paw!
Elizabeth Hogue
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Are roaches good or bad?
I have been digging up sections of my back yard in preparation on installing flower beds. I have seen several small roaches about an inch long that burrow back down into the soil if I disturb them. I have seem about 1-2 every yard or so. Are roaches considered helpful or harmful in an organic yard?
PS- I am in jacksonville, fl
Cockroaches and some diseases have been linked because these wee buggers do crawl around "stuff" that is known to harbor disease pathogens and where cockroaches are prevelant Asthmatics seem to have more problems, in the home. Since cockroaches are common outside in Forida and other warmer areas of the world they may be a normal part of the environment, but are extremely difficult to control out there whereas in the house control is, relatively, easy. People have been trying to eliminate Cockroaches for many years with very little success so maybe they do have a place in the world.
Since Cockroaches, outside, are not a really big problem I would not spend a lot of time, energy, and money on some eradication plan that probably will not work anyway.
I am not trying to eradicate the small roaches in my back yard, I am just unsure if they are helpful or harmful to my yard. Should I be concerned if I have a high number of them? I know my soil is in terrible shape. I have been digging up several areas of my yard to install native plant flower beds and I have yet to see one earthworm.
Cockroaches have survived for eons because they have learned to eat most anything, so they could be aiding in digesting what ever organic matter is in your yard. In the yard they probably are not really harmful as they could be in your house.
In my opinion, they are not a problem outdoors. In fact, they might be of some value. If you are fully organic and don't use insecticide, herbicide, or synthetic fertilizers, then you should have ample lizards, birds, geckos, and toads to control the population of all insects.
ok ok, roaches Are bad, PERIOD. not so much eco system bad, but just so damn annoying and contaminates everything. if you are growing tomatoes and potatoes, (mmm)...then get rid of them i.e (ants).
Now they are good as far as circle of life, they attract other insecests that prey on them, some of these inscests may be of TRUE value to your lovely garden *might i add.
hope to help,
If you are an organic gardener then you need to rid yourself of the "every insect is bad and needs to be eliminated" mindset expressed above. Unless the particular insect is creating a problem that is too big for you to live with there is no good reason to do "something" to get rid of them since they are part of the world we live in and provide a food source for something that is probably beneficial.
A very few insects, Tse Tse fly, malarial mosquito, etc. come to mind, should be controlled, but other then those very few need a braod specturm poison sprayed around.


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CHAT India comes alive in "Unseen India"
India inspires photographers to click. Geography, religions, communities, lifestyle, food habits, clothing, celebrations… there is a treasure out there, seen and unseen, to be photographed. Photographer Salim Pushpanath has focussed on those not-so-regularly-photographed facets of the country in his book, Unseen India .
Salim, a self-taught photographer, travelled by car along with his childhood friend, Azeez K.M., for the trip. "I didn't take state by state. I had decided on the places to cover. Otherwise, a lifetime isn't enough to travel and capture the uniqueness of this country." The toughest was covering the Rohtang Pass-Ladakh route. "But then the highpoint was that we could cover the Spiti valley in all its glory," adds Salim.
He stresses that more than anything else, the book journeys across India through its people. "No other country can claim such diversity when it comes to clothing, food, lifestyle and beliefs. Instead of presenting just places, I've covered India through the people from various areas," he says.
Everywhere, it is the people there who evoke the flavours and fragrances, lifestyle and legends of that land. Child monks at Lamayuru Monastery in Ladakh throw light on the austere but awe-inspiring landscape of the place while rickshaw pullers and the flower market of Kolkata depict the hustle and bustle of the metropolis.
Even touristy spots and monuments such as the Ajanta-Ellora caves, the Dal Lake, and the Taj Mahal have been presented in a different light, Salim says.
His next book is on the old houses and palaces of Kerala.
Unseen India has text in English, French and German, keeping the tourist in mind. Conceptualised and designed by Salim, and published by his own DEE BEE Info Publications, the book is priced at Rs. 1,200 (Rs. 950 for paperback edition).
Athira M.
No other country can claim such diversity when it comes to clothing, food, lifestyle and beliefs. Instead of presenting just places, I've covered India through the people from various areas


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This 1799 $1 NGC F12 is part of the Draped bust, large eagle reverse series which were struck from 1798-1804. The coin was minted in Philadelphia with a composition of 89% silver; 11% copper.
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Ballpoint Pen Illustrations by Wang2MuJuxtapoz // Monday, July 15, 2013
Guangzhou, China-based artist Wang2Mu uses typically only red and blue ballpint pens for is incredibly detailed illustrations. Many of his pieces explore both childhood nostalgia and the domestic culture of Ghuangzhou.
Hannah Stouffer's 'Metaphysical Alphabet'Illustration // Sunday, July 14, 2013
Contributing editor and illustrator Hannah Stouffer recently completed her own transcendental typeface, an alphabet based in metaphysics out of her own intricate line-work. In her words, it is 'A study on the fundamental nature of beingness through an exploration in metaphysical research, traditional ontology, determinism, natural theology and universal science.'...
Anthony Lister: 10 Years of SketchesIllustration // Friday, July 12, 2013
Anthony Lister is selling printed copies of a compilation of his sketchbooks featuring 192 pages of selected sketchbook drawings over the course of ten years of drawing. This book represents a massive gathering of thoughts, memories and impressions; an impressive document for any artist who knows what it's like to fill book after book, year after year. This ultimate sketchbook is sure to contain volumes of precious imagery and human narrative.
Kate Baylay IllustrationIllustration // Thursday, July 11, 2013
With a First Class Honours degree in illustration from the University of the West of England, Kate Baylay creates work that is at once dark and almost deceptively decorative. Taking inspiration from the 'Golden Age' illustrators, Baylay's illustrations of fairy tales, short stories and novels are both classic and timelessly modern.
Kyle Jorgensen's Cosmic FadeIllustration // Thursday, July 11, 2013
Kyle Jorgensen is a painter based in Portland, Oregon. 'Imagery I tend to employ: forests, icebergs, and the cosmos. These symbols represent an inward investigation of solitude, isolation, potential and a respect for the unknown.'
Illustrations by Miles JacksonIllustration // Thursday, July 11, 2013
'Drawing on a wide range of source material, from the adventures of Tin Tin to Goya etchings, to Japanese woodblock prints, Miles Jackson's illustrations are built on an invented visual language of dense pattern used to construct rhythmic compositions. The works labor-oriented subject matter parallels its structured creation process which Miles finds beautifully meditative and also painstaking as shit.'
Works by Andrew ArcherIllustration // Thursday, July 11, 2013
Andrew Archer is an illustrator based in Auckland, New Zealand. 'I use a healthy mix of both traditional and digital techniques with no real preference of medium. I didn't take art through my younger years, but I did eat crayons which quite possibly is where my off-beat colour palettes come from. I'm greatly inspired by surrealism, juxtapositions and sublime narratives but more specifically wood block prints, edo period art, cartoons, ideograms, characterization, travel and Asia.'
2013 Book Illustration Competition WinnerJuxtapoz // Thursday, July 11, 2013
The winner of this year's Book Illustration Competition, a yearly event held by the charity House of Illustration and The Folio Society, was Finn Dean. Dean beat over 500 entrants in a competition to interpret Aldous Huxley's classic Brave New World.
The Art of Jesse TiseIllustration // Wednesday, July 10, 2013
Jesse Tise is a freelance illustration designer for hire. He earned his BFA in Illustration Design from Art Center College of Design, Pasadena. Tise's work captures the colorful strata of a geometrically-directed imaginary world. He uses texture and shape to unique effect, bringing into being a world that is strange and entirely his own.
The Thousand Drawings of Paul RomanoIllustration // Wednesday, July 10, 2013
Paul Romano is a fine artist and designer living and working in Philadelphia. He recently set out on an ambitious year-long project to produce 1000 10"X10" work, all of which can be seen on his website. Romano describes the project as both exercise and exorcise through mediums and and of ideas. The goal was to come out on the other side of the project with a better understanding of his personal aesthetic as well as the questions he means to ask himself about the role of art in his own life.


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Crew Cab Pickup
(5.6L V8 4x4 5-speed Automatic 5.6 ft. Bed)
2010 Nissan Titan Crew Cab PRO-4X 4dr Crew Cab 4WD SB (5.6L 8cyl 5A)
Took on a 500 mile trip right after we bought it. Love the room, even with kid's car seat in the back. Excellent ride, excellent power. Bought the truck instead of a larger car - no regrets. Got a great deal with the rebate. Made the truck cheaper than a king cab Tundra. Also made here in Tennessee which is a plus although did not look at any American trucks. No down side up to now. Have taken three grandkids in car seats on two trips - plenty of room.
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I have owned my Titan for 7 months and no regrets. I drove every truck before before purchasing the Pro-x and has been the best truck I have ever owned.
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The 2010 Nissan pro 4x is a dream to drive. The locking differential works really well. Plenty of power under the hood, I test drove a 2010 Dodge about 1 hour before I got my Titan, the Dodge doesn't compare with speed or power. The captains chairs make the driving experience much more fun on the open road. The Nissan turns shorter then the Dodge as well. No matter how you drive the truck 17 mpg is all your gonna get on the highway. The Titan is always ready to through you back into your seat. The tow mode works really well when towing campers and trailers. The trailer break set up works really well. Just a great truck no matter how you look at it
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This is my second Titan, Just drive one. The Titan started the trend and years later builders are still trying to catch up. Did i mention thousands less. In a thousand words or less i could not even begin to tell you how happy I am with the Nissan Titan.
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This is the estimated average annual insurance premium being charged in your state. The premium has been determined based on annual premium data for defined coverages (liability, comprehensive and collision) from a major insurer.
While this information is specific to vehicle make, model, model year and body type, your personal information is not taken into consideration and could greatly alter the actual premium quoted by an insurer. Factors that will affect your rate include your age, marital status, credit history, driving record, and the garaging address of your vehicle.
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2015 Team Photo
2015 Team Tryouts Begin
Monday, January 26th through Wednesday, January 28th the Dunwoody Boys Lacrosse Team will have tryouts. On Monday the team will meet on the grass field between the track from 3:30 to 4:15pm and then transfer onto the lacrosse practice for the remainder of practice. On Tuesday and Wednesday we will start practice at 3:30pm on our lacrosse practice field. Any player interested must have a updated physical on file with the school as well as proof of insurance. These forms are located on our website at www.dunwoodylacrosse.com/resources
Lastly it is a requirement that all players be properly equipped to play lacrosse. The gear includes; helmet, shoulder pads, elbow pads, gloves, mouth piece, and cup. Goalies are required to have a throat guard.
Due to an increase of new players wanting to play lacrosse for the first time I ask that any player with any extra equipment to bring it.
Any player that may need equipment please email Coach Sopko.
Dunwoody Kick's Off 2015 Season With Parent-Player Dinner
Over 80 players and parents joined Coach Michael Sopko and The Stix Club Board Members at a dinner sponsored by Gallo's Pizza on January 20, 2015. This is an exciting time for Dunwoody Lacrosse. The team has a large number of incoming Freshman after losing 8 graduating seniors last season. We are excited to get practicing and into our first scrimmages!
Go Wildcats!
Dunwoody Boys' 2014 Lacrosse Season In Review
Dunwoody Lacrosse
The Dunwoody High School Boys Lacrosse program is building a strong foundation on the values of family, community, and positive attitudes. All members of the program will strive to establish this tradition through hard work, professionalism and loyalty.
The primary goal of the DHS Boys Lacrosse program is to develop student-athletes of character and integrity who posses Wildcat PRIDE: Personal Responsibility in Developing Excellence.
- We will place primary importance on our academic performance, and recognize the importance of lifelong learning.
- We will practice leadership and display courage in the face of public, peer and social pressures.
- We will hold ourselves and our teammates responsible and accountable for our thoughts, feelings and actions; we recognize as student-athletes we represent not only ourselves, but our teammates, family, our school, and our community.


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Milk kefir grains are live active cultures consisting of yeast and bacteria existing in a symbiotic relationship. Adding the kefir grains to fresh milk yields a delicous probiotic drink in about 24 hours. Milk kefir can be enjoyed plain, flavored, or used in many recipes, like salad dressing, bread, and ice cream.
- Contains 1 packet of traditional heirloom-style milk kefir grains.
- Rehydration period of 3-7 days required before regular use.
- Reusable culture; makes up to 1 quart of kefir with every batch
- Cultures on the counter at 68°-85°F
- Suitable for use with cow or goat milk.
- Grains require rehydration in pasteurized dairy milk. Once rehydrated, grains may be transitioned to raw milk.
- May be used to culture coconut, soy, or rice milk once rehydrated in dairy milk; grains require regular refreshing in dairy milk.
- Nut and seed milks yield inconsistent results.
Milk Kefir Grains Instructions and Troubleshooting:
- Instructions for using this culture are included and may be found here.
- Having trouble making milk kefir? Browse our Milk Kefir Troubleshooting Articles or contact us for assistance.
Ingredients: Organic powdered milk, organic milk, live active cultures. Packaged in a small amount of organic powdered milk to extend shelf life.
This product contains no GMO ingredients.
Shipping Information: Our milk kefir grains are shipped in a dehydrated state in a barrier-sealed packet. The product keeps
- At room temperature (68° to 78°F): 12 to 18 months
- In the refrigerator (40° to 45°F): 18+ months
- In the freezer (0° to 25°F): not recommended
Milk Kefir Grains Allergen Information:
Our Milk Kefir Grains are a gluten-free product. Manufactured in a facility that produces products made with soy and dairy.
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Milk Kefir Starter Kit$23.99
Questions on Milk Kefir Grains
- From Logan at 3/25/2013 10:00 PM
- I rehydrated my water kefir. It was doing great for a few weeks. I put the grains in a plastic mesh satchel cause I didn't have muslin. I premade the sugar water and put them in jars because someone was watching my house. They changed the water every 3 days. When I came back though my grains were kinda mushy and small. Can they be revived?
- You may be able to revive them with the following procedure: http://www.culturesforhealth.com/rehabilitating-fixing-repairing-damaged-water-kefir-grains It may take several rounds of rehab for this to help.
Also, the next time you go away, you might try the information here:
- Do you find this question helpful? Yes No
- From patricia at 3/22/2013 7:30 PM
- If I want to take a break from making kefir how do I go about doing that? Will I lose my kefir grains and have to order more? I work and it is not easy for me to keep making it just for myself. I don't see an answer to that on the instructions for milk kefir grains.
- For an occasional break, you can try the following: http://www.culturesforhealth.com/how-to-take-a-break-from-making-kefir
However, we recommend that you keep your kefir culturing at room temperature, as much as possible, to avoid stressing the grains. Too many breaks and the grains may eventually cease working.
- Do you find this question helpful? Yes No
- From Jackie at 3/19/2013 3:28 PM
- How many different strands of bacteria is in your kefir grain?
- This is a list of the specific set of active bacteria and yeast generally known to comprise Milk Kefir Grains:
- Do you find this question helpful? Yes No
- From Mae at 3/15/2013 11:43 AM
- When you talk about using coconut milk, are we talking about the milk in the can (Thai Kitchen) or milk from the refrigerated section (Silk/So Delicious)? Or does it make any difference? I tried using both types and the consistency isn't coming out as well as using regular milk.
- You may use alternative milk, canned or boxed, but try to find the one with the least or no additives. The alternative milk will not usually coagulate and thicken like dairy milk does but it will ferment and result in a delicious cultured flavor.
- Do you find this question helpful? Yes No
- From John at 3/13/2013 4:53 PM
- We just got our kefir grains in the mail two days ago, and the milk has thickened after only two days. We have changed the milk once, and the thickened milk tastes sweet. Is that normal? Should I assume that it's finished rehydrating and start using it? I've always assumed that kefir should be sour.
- It sounds like your grains are progressing normally. Now that they have started to thicken the milk, it may take another batch or two to develop that wonderful tangy flavor. Be sure to begin increasing the amount of milk you're using to avoid overculturing. Curds and whey is great if you want to make kefir cheese, or use the whey to culture vegetables, but for drinking, that nice thickened-milk stage is best. The thickened milk stage also makes it easier to strain your grains out to start your next batch.
- Do you find this question helpful? Yes No
- From Marg at 3/12/2013 10:20 AM
- Not certain which to purchase, Milk or Water Kefir Grains.
I am not diabetic, and cow's milk causes mucus and some swell of the eyes.
Can you help me to best choose?
- If you are sensitive to milk, you should check with your heath care provider or nutritionist before making a dietary change like adding milk kefir. That being said, you might enjoy this article on the differences between water kefir and milk kefir: http://www.culturesforhealth.com/compare-milk-versus-kefir-water-kefir
- Do you find this question helpful? Yes No
- Not certain which to purchase, Milk or Water Kefir Grains.
- From linda at 3/11/2013 9:25 AM
- How can "fruit or other flavors" be added to the kefir?
- You won't want to add anything with the milk kefir grains, but you can create amazing flavors on your finished kefir during a second fermentation. You will find information here: http://www.culturesforhealth.com/second-fermentation-milk-kefir
- Do you find this question helpful? Yes No
- From Kaylyn at 2/25/2013 12:58 AM
- Are your kefir grains certified gluten free or just gluten free?
-I noticed on the website you state: "Milk Kefir Grains are produced in a facility that also processes soy, wheat, nut, and fish products."
-Are they processed or shared on same equipment as wheat or any way there could be cross contamination?
- Our kefir grains are gluten free, but not certified. They are actually produced in their own location, on their own dedicated and meticulously cleaned equipment/supplies. They are not around soy, wheat, nut or fish.
- Do you find this question helpful? Yes No
- Are your kefir grains certified gluten free or just gluten free?
- From Michelle at 2/21/2013 2:24 AM
- From Amber at 1/10/2013 12:23 PM
- Once you make the kefir, do you have to make a new batch every 24-48 hours? (I probably will anyway, but just wondering). Also I want to ferment mine so that there is no lactose in it, and I've read it takes 24 hours of fermenting for that to happen. Does "ferment" just mean the 24 hour natural process it takes to make the kefir by leaving it out?
Thank you!
- Yes, the grains should be added to fresh milk to make a new batch every 24-48 hours, to keep the grains healthy and well-fed. That's correct, the fermentation process takes place as the grains sit in the fresh milk on your countertop, converting the milk to kefir.
- Do you find this question helpful? Yes No
- Once you make the kefir, do you have to make a new batch every 24-48 hours? (I probably will anyway, but just wondering). Also I want to ferment mine so that there is no lactose in it, and I've read it takes 24 hours of fermenting for that to happen. Does "ferment" just mean the 24 hour natural process it takes to make the kefir by leaving it out?
Ask Your Own QuestionBack to the product page
Customer Reviews
- Excellent Product Review by Ebabs
Quality Price Value
I really enjoy using these kefir grains. I've made some delicious kefir with them. I wish the packet gave information about refrigerating the grains for when I wanted to take a break from fermenting.
(Posted on 3/30/2015)
- LOVE Review by Jana
Quality Price Value
I happened to catch these on sale.- I love them so much, I would have gladly paid full price!
(Posted on 3/23/2015)
- Very satisfied Review by jansto1
Quality Price Value
Don't know what to say that hasn't already been said. Great product and fair price, fast shipping as well.
(Posted on 3/18/2015)
- Milk Kefir grains Review by Justme
Quality Price Value
I received my grains in a timely manner. They have worked well, no disappointments. I was curious why mine wasn't growing or multiplying as some people's said theirs does and was told live cultures seem to multiply faster. Don't get me wrong though, that has not diminished their effectiveness at all...they work very well. I've bought a few things from Cultures for Health and everything has proven well.
(Posted on 3/18/2015)
- Works better than I expected. Review by Joseph
Quality Price Value
Works better than I expected.
Was faster and easier than I expected.
(Posted on 3/17/2015)
- the best company and the best kefir!! Review by rebi
Quality Price Value
The first trying with making kefir didn't work for me and the grains died. It was my first time making kefir and I didn t know what I was doing. I emailed the company and they answered me so quick. People from this company were so helpful and patient answering all of my questions and helping me get my milk kefir grains producing milk kefir in the end. The best customer service! I am happy I have kefir every day and I know it is healthy.
Thank you Cultures for health!
(Posted on 3/16/2015)
- excellent Review by mom
Quality Price Value
I had a little bit of a hard time getting the directions straight but my kefir grains are actually starting to multiply. I had put my grains into raw milk at first, but realized I did it wrong and through contact with customer support via e-mail, I got back on track and they are doing good now. I really recommend the Milk Kefir grains.
(Posted on 3/2/2015)
- Great customer support and advice!!! Review by Kefir Rookie
Quality Price Value
I have had some trouble getting my grains started. The customer support has been terrific.
(Posted on 2/28/2015)
- So happy to have my Kefir again! Review by Jean
Quality Price Value
I ordered these grains and they arrived 3 days later! I reconstituted them and I have been making smoothies ever since! Can't wait to educate myself with more ways to use my Kefir! So happy with this product! Would definitely recommend.
(Posted on 2/25/2015)
- A slow start Review by Betsy
Quality Price Value
It took two tries before they started their fermentation, even though the whole milk product was not ultra pasteurized (and is supposed to be antibiotic free). I am going to, however, try different brands of milk; their fermentation rate remains slow compared to the granules that I have used in the past.
Response from CFH: It is normal for dehydrated grains to take 3-5 days to start culturing. If you experience trouble with your cultures, please contact customer support for assistance. http://www.culturesforhealth.com/contact-us
(Posted on 2/25/2015)
- Will purchase again for my family! Review by Dana
Quality Price Value
This is second time I bought this. Have very positive effect on my overall health. I recommend it to all my friends and family!
(Posted on 2/24/2015)
- grains Review by n/a
Quality Price Value
Very well pleased as always with CFH!!!
(Posted on 2/21/2015)
- Great, even for a newbie Review by Terri
Quality Price Value
My house is cool so after a few days of my kefir not thickening, I began keeping it in the oven with just the light on. This makes about 3 cups in 24 hours. I've begun flavoring my kefir in a second fermentation. Finding out what works and what doesn't. Hopefully my grains will begin to grow soon so I can give them away to introduce everyone to the benefit of cultured milk. Love that good bacteria!
Staff was very helpful too, since I needed alot of hand-holding during the first two weeks.
(Posted on 2/17/2015)
- Buy your grains here! Review by kelshop
Quality Price Value
There are many places online to buy kefir grains, but I highly recommend buying them at Cultures for Health. I have ordered both the water kefir grains and milk kefir grains. My water kefir grains hydrated quickly and started producing water kefir in just a few days. I struggled with my milk kefir and wasn't sure what I was doing wrong. I emailed Cultures for Health and got an very quick response with suggestions. Anita was so helpful and patient answering all of my questions and helping me get my milk kefir grains producing milk kefir. I couldn't have asked for better customer service. :)
(Posted on 2/14/2015)
- 4 star Review by Mary
Quality Price Value
This is the second batch of milk kefir grains I have purchased from you, and neither of them has grown in size or quantity. I always use Kroger's Simple Truth organic milk.
Your service is awesome!
Response from CFH: We do not guarantee that Milk Kefir Grains will grow or multiply. Everyone gets different results. Very few grains are need to culture milk kefir. We ask that you contact us any time you have questions or problems with your products.
(Posted on 2/10/2015)
- No Grain Growth, but good kefir. Review by n/a
Quality Price Value
Re-hydrating instructions very clear and easy to follow. The grains are up and running and they produce nice milk kefir. However, there are only three grains and they are neither growing much in size, nor reproducing. Once fully hydrated, I started using milk from my own goats...I use no antibiotics...so I do not understand the lack of growth.
I had grains a few years back from a friend and those grains multiplied daily.
Response from CFH: Milk kefir grains may or may not grow, as they are a very dynamic culture. For tips on encouraging grains to grow, see: http://www.culturesforhealth.com/encouraging-milk-kefir-grains-to-mutiply
(Posted on 2/6/2015)
- Excellent product at a very good price. Review by DC
Quality Price Value
I have sustained my culture for ten months now and am very satisfied. I have recommended this product to numerous people.
(Posted on 2/3/2015)
- Kefir and CFH - two, too awesome Review by platOR
Quality Price Value
I am now making Kefir at home and am happy I can make full fat, organic Kefir in any flavor we desire. I feel better drinking Kefir daily. The thickest, most flavorful Kefir I've made was with raw dairy milk (following the special instructions on CFH).
I was timid about trying to culture Kefir again and mistakenly got confused while doing Filmjolk in the same month. Though both processed on the counter they require different feeding schedules. Online chat supported me awesomely along the way.
I no longer need to purchase sour cream or buttermilk and am learning all about the health benefits and tasty ways to use whey. (A byproduct of straining either of these cultures.) Buying just two cultures and learning on this website have opened a new way to work in my kitchen and make good gut bacteria (probiotics) at home.
(Posted on 2/2/2015)
- Easy to Make Review by Gwen
Quality Price Value
I have tried both types of Kefir Cultures and really like the milk grains the best. Very easy to use and make. No need to heat the milk like in some yogurt cultures.
(Posted on 1/26/2015)
- great Review by Lynn
Value Quality Price
This product has been great! It stops the cravings for sugar and helps our digestion. It is much more economical then buying the pre-made from the store and it is so versatile.
(Posted on 1/22/2015)
Starter cultures, rennet for cheese making and cultured vegetables, juices and condiments are sensitive to excessive heat. Once your order has shipped, an e-mail with tracking information will be sent to you. We encourage you to use the tracking information to anticipate the arrival of your items so they can be removed from the mail box and stored in the refrigerator promptly.
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text:
Arizona Wildcats
Toby Keith benefit raises $2M for tornado recovery
NORMAN, Okla. (AP) - A tornado relief concert organized by country performer Toby Keith has raised $2 million that will go to a fund run by the United Way of Central Oklahoma- and there's still more money to be counted.
Organizers told the Norman Transcript newspaper ( http://bit.ly/14FuMDC) that some donations from the July 6 concert at University of Oklahoma's Memorial Stadium are still being calculated. A number of entertainers contributed their time and talent to a relief effort aimed at helping nearby Moore, where 24 people died.
A May 20 tornado cut a 17-mile path of destruction through the Oklahoma City suburb with winds that exceeded 200 mph. Spring storms caused an estimated $1 billion in damage.
The six-hour concert drew about 60,000 people. Performers included Keith, Garth Brooks, Trisha Yearwood, Willie Nelson, Ronnie Dunn and Mel Tillis.
Introducing artists were Oklahoma Gov. Mary Fallin, former Oklahoma and Dallas Cowboys football coach Barry Switzer, current OU football head coach Bob Stoops and OU athletic director Joe Castiglione. The event marked the largest number of paid attendees for a concert in the stadium's history.
Information from: The Norman Transcript, http://www.normantranscript.com
(Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)
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- Bearing Down with Adam and Jarrett - March 27, 2015Adam and Jarrett talk about a Sweet 16 win over Xavier and then preview an Elite 8 matchup with Wisc
- Miles Simon, ESPN college basketball analystMiles explains why he thinks the Wildcats can beat Wisconsin in the NCAA tournament this year.
- Bearing Down with Adam and Jarrett - March 24, 2015Adam and Jarrett talk about a pair of tournament wins and what lies ahead.
- Doug Haller- ASU beat writer for azcentral sportsDoug Haller believes the loss to USC sealed Herb Sendek's fate.
- Grant Hill- Former Phoenix Suns forwardGrant Hill calls Steve Nash the best shooter he ever played with.


text:
Thanks JeffersonJ, I knew I wasn't using that example (specific heat transfer) 100% correctly, but it was the only one my brain could come up with at the time to possibly demonstrate the point I was trying to make.
I am trying to remember the practical calc's we used when comparing overall heat transfer in condensers (when you know the surface area, surface area, and flow characetristics, along with the enthalpy of the steam and cooling water). That would show you *without structural mods* (like I said in my first post) that using an immersion chiller with a fixed volume blah blah blah.
I'm going to go beat another dead horse. Yeast starters, anyone?


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Dr. Steve F. Montoya Jr, MD
- 136 E Concho Ave
San Angelo, TX 76903
- 3 Locations
- (325) 653-6773
Dr. Steve F. Montoya Jr graduated from the University of Texas Southwestern Medical Center at Dallas in 1974. He works in San Angelo, TX and 2 other locations and specializes in Nephrology and Internal Medicine. Dr. Montoya Jr is affiliated with Brownwood Regional Medical Center and San Angelo Community Medical Center. He speaks English and Spanish.
Gender: Male
Languages Spoken: English, Spanish
Nephrology, Internal Medicine
Medical School: University of Texas Southwestern Medical Center at Dallas; Graduated 1974
*This physician has multiple office locations. See Office Information for details.


text:
Ask a pilot what keeps an airplane in the sky and he'll most likely talk about the forces of lift, thrust, gravity and drag; power-to-weight ratios; and possibly "airfoils"-the word used to describe the wings' shape. Or maybe he'll answer simply, "Your credit card." Either way, it's not much comfort when you're eight miles above terra firma with no visible means of support.
Business Jet Traveler
April 1, 2007
April 1, 2007
If 10 years ago you had peeked into the cockpit of almost any business aircraft or airliner in the world, you would have seen a large, boxy flight bag holding several thick leather binders with the words "Jeppesen Airway Manual" embossed on the cover.
April 1, 2007
While the average car winds up on the junk heap after about 13 years, the typical business jet has a much longer lifespan. In fact, at least a few are still flying after more than 40 years (see box below). One vintage jet we found is owned by Rick Edwards and Louis May of Little Rock, Ark., who are business partners and have been friends since childhood.
April 1, 2007
Airbus followed Boeing into the prepackaged "bizliner" market in 1997. That's when it announced the Airbus Corporate Jet (ACJ), a then $35 million executive version of its A319 airliner. At first, ACJ sales were sluggish, while Boeing initially did well with its 737 airliner variant. Today, Boeing has sold more than 100 of its Boeing Business Jets (BBJs).
April 1, 2007
Bombardier has revamped its Skyjet International block charter program, unveiling the new Jet Member card. The company claims its terms make the program the most flexible block charter offering in the market.
April 1, 2007
Eclipse Aviation is going through painful times. In March, the builder of the $1.6 million Eclipse 500 very light jet announced it had to change avionics suppliers. Separately, Eclipse Aviation and United Airlines "mutually agreed to terminate their pilot training program," according to the manager of training development for United's flight training division.
April 1, 2007
Boeing Business Jets has introduced design proposals for an executive/VIP version of its new Boeing 787 Dreamliner. The size of the cabin-nearly 19 feet wide and 118 feet long-makes it possible to create "a beautiful environment...whether you are looking for a flying palace or a business office in the sky," said Boeing Business Jets president Steven Hill.
April 1, 2007
Those business negotiations have taken an unexpected twist and you need to be in some far-off country as soon as possible. Arranging a flight? No problem. Packing? Piece of cake. Renewing your passport or getting a visa from a foreign government in a hurry? Here you might need help. This is where the services of a passport expediter can be invaluable.
April 1, 2007
They don't come to market wearing a scarlet "A." But some business jets have a past that can make potential buyers view them as damaged goods-and greatly reduce their resale value. Their flaws, in the eyes of shoppers, may include relatively high airframe time, corrosion, foreign ownership, missing or incomplete logs and damage history.
April 1, 2007
-Canadian businessman Al Kroontje, on his first flight in his Sierra Stallion, a converted Citation 501SP with enhanced range and speed.
""CEOs go to their vacation homes just after companies report favorable news, and CEOs return to headquarters right before subsequent news is released. More good news is released when CEOs are back at work, and CEOs appear not to leave headquarters at all if a firm has adverse news to disclose. When CEOs are away from the office, stock prices behave quietly with sharply lower volatility. Volatility increases immediately when CEOs return to work." —David Yermack, a New York University finance professor, whose recently released study shows a correlation between when CEOs take their private jets on vacation and movements in their companies' stock price "
-David Yermack
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Chapter Twelve Credit Risk: Loan Portfolio and Concentration Risk Chapter Outline Introduction Simple Models of Loan Concentration Loan Portfolio Diversification and Modern Portfolio Theory (MPT) KMV Portfolio Manager Partial Applications of Portfolio Theory Loan Loss Ratio-Based Models Regulatory Models Summary 148 Solutions for End-of-Chapter Questions and Problems: Chapter Twelve 1. How do loan portfolio risks differ from individual loan risks? Loan portfolio risks refer to the risks of a portfolio of loans as opposed to the risks of a single loan. Inherent in the distinction is the elimination of some of the risks of individual loans because of benefits from diversification. 2. What is migration analysis? How do FIs use it to measure credit risk concentration? What are its shortcomings? Migration analysis uses information from the market to determine the credit risk of an individual loan or sectoral loans. For example, bankers can use S&P and Moody's ratings to determine whether firms in a particular sector are experiencing repayment problems. This information can be used to either curtail lending in that sector or to reduce maturity and/or increase interest rates. A problem with migration analysis is that the information may be too late, because ratings agencies usually downgrade issues only after the firm or industry has experienced a downturn. 3. What does loan concentration risk mean? Loan concentration risk refers to the extra risk borne by having too many loans concentrated with one firm, industry, or economic sector. To the extent that a portfolio of loans represents loans made to a diverse cross section of the economy, concentration risk is minimized. 4. A manager decides not to lend to any firm in sectors that generate losses in excess of 5 percent of equity. a. If the average historical losses in the automobile sector total 8 percent, what is the maximum loan a manager can lend to a firm in this sector as a percentage of total capital? Maximum limit = (Maximum loss as a percent of capital) x (1/Loss rate) = .05 x 1/0.08 = 62.5 percent is the maximum limit that can be lent to a firm in the automobile sector. b. If the average historical losses in the mining sector total 15 percent, what is the maximum loan a manager can lend to a firm in this sector as a percentage of total capital? Maximum limit = (Maximum loss as a percent of capital) x (1/Loss rate) = .05 x 1/0.15 = 33.3 percent is the maximum limit that can be lent to a firm in the mining sector. 149 5. An FI has set a maximum loss of 12 percent of total capital as a basis for setting concentration limits on loans to individual firms. If it has set a concentration limit of 25 percent to a firm, what is the expected loss rate for that firm? Maximum limit = (Maximum loss as a percent of capital) x (1/Loss rate) 25 percent = 12 percent x 1/Loss rate Loss rate = 0.12/0.25 = 48 percent 6. Explain how modern portfolio theory can be applied to lower the credit risk of an FI's portfolio. Modern portfolio theory has demonstrated that a well-diversified portfolio can provide opportunities for individuals to invest in a set of efficient frontier portfolios, defined as those portfolios that provide the maximum returns for a given level of risk or the lowest risk for a given level of returns. By choosing portfolios on the efficient frontier, a banker may be able to reduce credit risk to the fullest extent. As shown in Figure 11.1, a manager's selection of a particular portfolio on the efficient frontier is determined by his or her risk-return trade-off. 7. The Bank of Tinytown has two $20,000 loans that have the following characteristics: Loan A has an expected return of 10 percent and a standard deviation of returns of 10 percent. The expected return and standard deviation of returns for loan B are 12 percent and 20 percent, respectively. a. If the covariance between A and B is .015 (1.5 percent), what are the expected return and standard deviation of this portfolio? Expected return = 0.5(10%) + 0.5(12%) = 11 percent Standard deviation = [0.52(0.102) + 0.52(0.202) + 2(0.5)(0.5)(0.015)]½ = 14.14 percent b. What is the standard deviation of the portfolio if the covariance is -.015 (-1.5 percent)? Standard deviation = [0.52(0.102) + 0.52(0.202) + 2(0.5)(0.5)(-0.015)]½ = 7.07 percent c. What role does the covariance, or correlation, play in the risk reduction attributes of modern portfolio theory? The risk of the portfolio as measured by the standard deviation is reduced when the covariance is reduced. If the correlation is less than +1.0, the standard deviation of the portfolio always will be less than the weighted average standard deviations of the individual assets. 8. Why is it difficult for small banks and thrifts to measure credit risk using modern portfolio theory? The basic premise behind modern portfolio theory is the ability to diversify and reduce risk by eliminating diversifiable risk. Small banks and thrifts may not have the ability to diversify their 150 asset base, especially if the local markets in which they serve have a limited number of industries. The ability to diversify is even more acute if these loans cannot be traded easily. 9. What is the minimum risk portfolio? Why is this portfolio usually not the portfolio chosen by FIs to optimize the return-risk tradeoff? The minimum risk portfolio is the combination of assets that reduces the portfolio risk as measured by the standard deviation or variance of returns to the lowest possible level. This portfolio usually is not the optimal portfolio choice because the returns on this portfolio are very low relative to other alternative portfolio selections. By accepting some additional risk, portfolio managers are able to realize a higher level of return relative to the risk of the portfolio. 10. The obvious benefit to holding a diversified portfolio of loans is to spread risk exposures so that a single event does not result in a great loss to the bank. Are there any benefits to not being diversified? One benefit to not being diversified is that a bank that lends to a certain industrial or geographic sector is likely to gain expertise about that sector. Being diversified requires that the bank becomes familiar with many more areas of business. This may not always be possible, particularly for small banks. 11. A bank vice president is attempting to rank, in terms of the risk-reward trade-off, the loan portfolios of three loan officers. How would you rank the three portfolios? Information on the portfolios is noted below. Expected Standard Portfolio Return Deviation A 10% 8% B 12% 9% C 11% 10% Portfolio B dominates portfolio C because B has a higher expected return and a lower standard deviation. Thus C is clearly inferior. A comparison of portfolios A and B represents a risk- return trade-off in that B has a higher expected return, but B also has a higher risk measure. A crude comparison may use the coefficient of variation or the Sharpe measure, but a judgement regarding which portfolio is "better" would be based on the risk preference of the judge. 12. CountrySide Bank uses the KMV Portfolio Manager model to evaluate the risk-return characteristics of the loans in its portfolio. A specific $10 million loan earns 2 percent per year in fees, and the loan is priced at a 4 percent spread over the cost of funds for the bank. Because of collateral considerations, the loss to the bank if the borrower defaults will be 20 percent of the loan's face value. The expected probability of default is 3 percent. What is the anticipated return on this loan? What is the risk of the loan? Expected return = AISi – E(Li) = (0.02 + 0.04) – (0.03 x 0.20) = .054 or 5.4 percent Risk of the loan = Di x LGDi = [0.03(0.97)]½ x 0.20 = 0.0341 or 3.41 percent 151 13. What databases are available that contain loan information at national and regional levels? How can they be used to analyze credit concentration risk? Two publicly available databases are (a) the Commercial bank call reports of the Federal Reserve Board which contain various information supplied by banks quarterly, and (b) the shared national credit database, which provides information on loan volumes of FIs separated by two-digit SIC (Standard Industrial Classification) codes. Such data can be used as a benchmark to determine whether a bank's asset allocation is significantly different from the national or regional average. 14. Information concerning the allocation of loan portfolios to different market sectors is given below: Allocation of Loan Portfolios in Different Sectors (%) Sectors National Bank A Bank B Commercial 30% 50% 10% Consumer 40% 30% 40% Real Estate 30% 20% 50% Bank A and Bank B would like to estimate how much their portfolios deviate from the national average. a. Which bank is further away from the national average? Using Xs to represent portfolio holdings: Bank A Bank B (X1j - X1 )2 (.50 - .30)2 = 0.04 (.10 - .30)2 = 0.04 (X2j - X2 )2 (.30 - .40)2 = 0.01 (.40 - .40)2 = 0.00 (X3j - X3 )2 (.20 - .30)2 = 0.01 (.50 - .30)2 = 0.04 n n 3 n 3 i 1 ( X ij X i ) 2 i 1 0.06 0.08 i 1 n (X ij X i )2 i 1 = 0.1414 or 14.14 percent = 0.1633 or 16.33 percent n Bank B deviates from the national average more than Bank A. b. Is a large standard deviation necessarily bad for a bank using this model? No, a higher standard deviation is not necessarily bad for an FI because it could have comparative advantages that are not required or available to a national well-diversified bank. For example, a bank could generate high returns by serving specialized markets or product niches that are not well diversified. Or, a bank could specialize in only one product, such as mortgages, but be well-diversified within this product line by investing in several different types of mortgages that are distributed both nationally and internationally. This would still enable it to obtain portfolio diversification benefits that are similar to the national average. 152 15. Assume that the averages for national banks engaged primarily in mortgage lending have their assets diversified in the following proportions: 20 percent residential, 30 percent commercial, 20 percent international, and 30 percent mortgage-backed securities. A local bank has the following ratios: 30 percent residential, 40 percent commercial, and 30 percent international. How does the local bank differ from the national banks? Using Xs to represent portfolio holdings: (X1j - X1 )2 (.30 - .20)2 = 0.01 (X2j - X2 )2 (.40 - .30)2 = 0.01 (X3j - X3 )2 (.30 - .20)2 = 0.01 (X4j - X4 )2 (.0 - .30)2 = 0.09 n n4 i 1 ( X ij X i ) 2 0.12 i 1 n (X ij X i )2 i 1 = 0.1732 or 17.32 percent n The bank's standard deviation is 17.32 percent, suggesting that it is different from the national average. Whether it is significantly different cannot be stated without comparing it to another bank. 16. Using regression analysis on historical loan losses, a bank has estimated the following: XC = 0.002 + 0.8XL, and Xh = 0.003 + 1.8XL where XC = loss rate in the commercial sector, Xh = loss rate in the consumer (household) sector, XL = loss rate for its total loan portfolio. a. If the bank's total loan loss rates increase by 10 percent, what are the increases in the expected loss rates in the commercial and consumer sectors? Commercial loan loss rates will increase by 0.002 + 0.8(0.10) = 8.20 percent. Consumer loan loss rates will increase by 0.003 + 1.8(0.10) = 18.30 percent. b. In which sector should the bank limit its loans and why? The bank should limit its loans to the consumer sector because the loss rates are systematically higher than the loss rates for the total loan portfolio. Loss rates are lower for the commercial sector. For a 10 percent increase in the total loan portfolio, the consumer loss rate is expected to increase by 18.30 percent, as opposed to only 8.2 percent for the commercial sector. 153 17. What reasons did the Federal Reserve Board offer for recommending the use of subjective evaluations of credit concentration risk instead of quantitative models? The Federal Reserve Board recommended a subjective evaluation of credit concentration risk instead of quantitative models because (a) current methods to identify credit concentrations are not reliable, and (b) there is insufficient data to develop reliable quantitative models. 18. What rules on credit concentrations have the National Association of Insurance Commissioners proposed? How are they related to modern portfolio theory? The NAIC has set a maximum limit of 3% that life and health insurers can hold in securities belonging to a single issuer. Similarly, the limit is 5% for property-casualty (P/C) insurers. This forces life insurers to hold a minimum of 34 different securities and P/C insurers to hold a minimum of 20 different securities. Modern portfolio theory shows that by holding well- diversified portfolios, investors can eliminate undiversifiable risk and be subject only to market risk. This enables investors to hold portfolios that provide either high returns for a given level of risk or low risks for a given level of returns. 19. An FI is limited to holding no more than 8 percent of securities of a single issuer. What is the minimum number of securities it should hold to meet this requirement? What if the requirements are 2 percent, 4 percent, and 7 percent? If an FI is limited to holding a maximum of 8 percent of securities of a single issuer, it will be forced to hold 100/8 = 12.5, or 13 different securities. For 2%, it will be 100/2, or 50 different securities. For 4%, it will be 100/4, or 25 different securities. For 7%, it will be 100/7, or 15 different securities. 154 Additional Example for Chapter 12 Allocation of Loan Portfolios in Different Sectors (%) Sectors National Bank A Bank B Commercial 20% 50% 30% Consumer 40% 20% 40% Real Estate 40% 30% 30% How different are Banks A and B from the national benchmark? When using this example, note that there is an implied assumption that Bank A and B belong to a certain size class or have some common denominator linking them to the national benchmark. If that is the case, then the solution is to estimate the standard deviation. We use Xs to represent the portfolio concentrations. X1, X2 and X3 are the national benchmark percentages Bank A Bank B (X1j - X1 )2 (.50 - .20)2 = 0.09 (.30 - .20)2 = 0.01 (X2j - X2 )2 (.20 - .40)2 = 0.04 (.40 - .40)2 = 0.00 (X3j - X3 )2 (.30 - .40)2 = 0.01 (.30 - .40)2 = 0.01 n n 3 n 3 i 1 ( X ij X i ) 2 i 1 0.14 0.02 i 1 n (X ij X i )2 i 1 = 0.3742 or 37.42 percent = 0.1414 or 14.14 percent n Thus we can see here that Bank A is significantly different from the national benchmark 155
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Upgrade your geek with Dwight Silverman
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Voice, touch and motion are clear winners at CES
In no big way, but a lot of small ones, natural user interfaces eked out a clear win here at International CES. Companies at the Las Vegas gadget fest have highlighted an array of ways in which consumers will increasingly be able to use voice, touch and motion to control their phones, computers and TVs. [...] [Read More]
CES: Intel tries to stay relevant in mobile era
On Monday night, Microsoft CEO Steve Ballmer used his pre-show CES keynote to demonstrate how the software giant was working to remain relevant in the increasingly mobile computing universe. Late Tuesday, the second half of the Wintel partnership that dominated the industry for decades took to the stage to make the same case. Paul Otellini, [...] [Read More]
Linkpost | 1.11.2012
Updated 4:11 p.m. • U.S. PC Shipments Slip 6 Percent In Q4, While Apple's Jump 21 Percent – Apple's the only Top-5 computer maker in the U.S. that grew in the last quarter. Still, HP and Dell each have more than twice the markiet share. • Exclusive: Microsoft Web TV subscription plan on hold – […] [Read More]
CES: Google's Schmidt talks Android ecosystem at Next Big Thing
This afternoon, CNET presented a CES session called "Next Big Thing," focused on how technology ecosystems are coming to dictate the success or failure of products like phones, computers and TVs. The point: Competitive gadget specs are critical to compete, but they're just the price of admission. Even the fastest speeds, highest resolutions and most [...] [Read More]
What's cool at CES? Try these three on for size
Sometimes standing back and watching something from afar give you a different perspective than being in the middle of it. Such is the case with this year's CES. I attended last year's sprawling consumer electronics trade show in Las Vegas, but this year I opted to stay home and keep up via the Web. It's […] [Read More]
A quick cure for warm beer
Amid the announcements of smart phones and smart TVs at the Consumer Electronics Show on Monday was news of a smart product that even non-tech fans can appreciate – a way to chill a warm can of beer in less than five minutes. A large-capacity LG refrigerator with French doors that will go on the [...] [Read More]
Steve Ballmer gives Microsoft's final CES keynote
Steve Ballmer CES keynote [Read More]
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First smart phones, now a smart stovetop
There are smart phones and smart TVs. But home appliance maker Thermador has introduced a smart stove top at CES. The Thermador Freedom Induction Cooktop automatically senses where your pots and pans are and adjusts the heating elements to follow wherever you move them on the ceramic surface. So if you are heating sauce on [...] [Read More]
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End illegal ivory sales in the US.
Tell US Fish and Wildlife Service it is the right decision to save wild elephants.
Tell US Fish and Wildlife Service it is the right decision to save wild elephants.
As many as 200 million females are missing because of gendercide. Stand up for girls and women everywhere.
Saving bees isn't just about saving the honey makers of the world so we can have it to drizzle on our toast in the
Every day across Africa, wild elephants are being slaughtered to meet the insatiable demand for ivory. Entire herds are
A 23-year-old woman was battling for life in New Delhi on Monday after a gang of men tortured and raped her in a moving
Dolphins are dying at alarmingly high rates in Florida's Indian River Lagoon, a shallow estuary closed off from the
Despite that over 80% of Americans are strongly opposed to horse slaughter, the trade in horse meat continues to operate


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do we stop formula at
my lil emma lulu3/2/11
There are formulas for 12+ months, is there someone at WIC you can ask?
Proud Marine Wife & Mommy to my two beautiful DDs 3/11 and 10/13
my lil emma lulu3/2/11
Proud Marine Wife & Mommy to my two beautiful DDs 3/11 and 10/13
Elizabeth (23) Samuel (30) Married 8/26/12
Gavin (3) 3 Furbabies Lady (4) Kiera (7) and Samwise the Cat (8)
With ODS I started to wean him off gradually. I was on WIC with him and after he turned 1 I still had like 2 jars of formula so I would give him the formula before bed and naps then just before bed until it ran out.
This is just me. I am not on wic, so idk what they do. I'm sure you can call and ask, or maybe it's online? Maybe some paper wok you must have for it??
EDD 4/1 : Andrew was born 3/25/11!!
I am going to start transitioning to milk next month as well. I think with Wic they start giving vouchers for regular milk at the 1 year age and stop giving vouchers for formula.
The fundamental job of a toddler is to rule the Universe. - Lawrence Kutner.
March 2011 CO-GO
Our Pediatrician told us to take stock of what formula we have in the house when DS turns 11 months and start weaning so that on his 1st birthday, he's on 100% whole milk.
MommyWho, SAHM to princess�Delilah�(1/08) and the noob,�Griffin (3/11)


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Welcome to No More Spending.net!
Hi I'm Laura! In 2014 my husband & I downsized our home to speed up our quest for Financial Freedom. We swapped our large three bed house, for a small (< 700 sq ft), two bed apartment to clear our mortgage and give us enough budget freedom to travel and still save for the future. Our dream, after achieving Financial Freedom, is to spend part of every year living abroad…preferably somewhere warm!
As well as personal finance I blog about travel, home design and minimalist living……sometimes all in the same post!
I started No More Spending in 2007 to make myself more accountable for my finances and to blog my journey to debt freedom. I was a spendaholic for twenty years and debt was in control of my life until 2005.
The whole (nearly 5 year) process of paying off my debt was my financial wake up call – it taught me so much. I continue to write this blog in the hope that it will, in some small way, help others to get out of debt.
Here are some of the more popular posts on No More Spending:
- - Our basic budget and getting below £1k a month
- - Getting below £1,000 a month…..continued!
- - Travel Bucket List We love to travel, especially to Portugal and New York
- - Five financial mini goals that could potentially save us £175 a month! Trying to reduce our expenses!
- - My Minimalist Wardrobe 32 core items and counting!
- UK Personal Finance Blogs – Top 10
- Sterling Effort – UK Personal Finance Blogs
- Modest Money Top Financial Blogs


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National park cuts detailed in memotags: AP, Gettysburg, budget cuts, National Parks, Yosemite
The towering giant sequoias at Yosemite National Park would go unprotected from visitors who might trample their shallow roots. At Cape Cod National Seashore, large sections of the Great Beach would close to keep eggs from being destroyed if natural resource managers are cut.
Gettysburg would decrease by one-fifth the numbers of school children who learn about the historic Pennsylvania battle that was a turning point in the Civil War.
As America's financial clock ticks toward forced spending cuts to countless government agencies, The Associated Press has obtained a National Park Service memo that compiles a list of potential effects at the nation's most beautiful and historic places just as spring vacation season begins...
...Even Declaration House in Pennsylvania, the place where Thomas Jefferson drafted the Declaration of Independence, wouldn't be spared. Nor would comfort stations on the Natchez Trace Parkway in Mississippi...
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- A grandmother's trove of Civil War photos goes to Library of Congress
- Tribes See Name on Oregon Maps as Being Out of Bounds
- Holy Haystacks! Researchers Have Officially Discovered A New Monet
- Joan Baez, Sly Stone, Steve Martin, Ben E. King -- all honored by the Library of Congress
- StoryCorps to Launch Global Expansion With $1M TED Prize
- Role-playing history game gets students jazzed
- OAH denounces anti-gay legislation signed by Indiana governor
- Emory's Leslie Harris says we should remember the racist roots of American colleges as we think about what went wrong at OU and other schools
- Stanford historian looks to the U.S. Postal Service to map the boom and bust of 19th-century American West
- U.S. historian denounces Japanese scholars' statement over wartime sexual slavery


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Floor Plans and Pricing
1 Bedroom
|1 Bedroom Garden
|$540 - $570
|1 Bathroom
|668 Sq. Ft.
|1 Bedroom Townhome
|$585 - $630
|1.5 Bathrooms
|881 Sq. Ft.
2 Bedrooms
|2 Bedroom Garden
|1 Bathroom
|933 Sq. Ft.
|2 Bedroom Townhouse
|$680 - $730
|1.5 Bathrooms
|1024 Sq. Ft.
3 Bedrooms
|3 Bedroom Townhouse
|$785 - $820
|1.5 Bathrooms
|1167 Sq. Ft.
|3 Bedroom Garden
|$740 - $760
|2 Bathrooms
|1204 Sq. Ft.
Property Features
- Property Overview
- Special Features
- Community Features
- Apartment Amenities
- Local Schools
- Pet Policy
Windsor Harbor Apartments in Charlotte, NC
We have everything you deserve in an apartment home. It can be found at Windsor Harbor where its great to be home, we offer huge apartments and town homes. We are conveniently located to shops and restaurants. Relax and enjoy the natural setting and open areas. We have just the affordable rates you have been looking for.
Special Features
- 1, 2 & 3 Bedroom Garden & Townhomes
- Clubhouse; Swimming Pool
- Sports Court; Playground; Tennis Courts
- Close to Uptown Charlotte and University Area
- On Site Laundry Facilities
- Washer/Dryer Connections in Most Homes
- On Charlotte CATS Line
- Pets Allowed
- Private Enclosed Patios
- High Speed Internet Available
- BBQ Picnic Area
- On Site Management & Maintenance
Community Features
- Apartment
- Club House
- Disability Access
- Freeway Access
- Garden Style
- Laundry Facility
- Market Rate
- Playground
- Pool
- Public Transportation
- Surface Lot
- Tennis Court
- Townhouse
Additional Information
Year Built: 1973
Apartments in Community: 200
Apartment Amenities
- Air Conditioning
- Cable or Satellite
- Carpet
- Dishwasher
- Extra Storage
- Garbage Disposal
- Internet Access
- Patio or Balcony
- Washer Dryer Hookup
- Window Covering
Local Schools
- Briarwood Academy
- Garinger High School
- Martin Luther King, Jr Middle School
We believe school data to be accurate, but do not guarantee that. Please be sure to verify where your children will attend school before making your housing decision.
Pet Policy
Pets Welcome.
- Pets Allowed
Contact Windsor Harbor Apartments
Windsor Harbor Apartments
Office HoursMon - Fri: 8:30 - 5:30 Sat: 10:00-4:00 Sun: Closed
Windsor Harbor Apartments are situated in East Charlotte with 1, 2 & 3 bedroom apartment homes for rent. Our spacious apartments have washer/dryer connections, patios/balconies, large closets and so much more. Uptown Charlotte, UNC -Charlotte area, I-85, I-77, Charlotte Douglas Airport and Harris Blvd are nearby. Amenities include swimming pool, clubhouse, sports court and onsite laundry facilities. Pets allowed. Visit today!
From Uptown Charlotte, take Independence Boulevard to Eastway Drive North. Continue on Eastway to Shamrock Drive and turn right. Windsor Harbor is approximately 1/4 mile on the left.
As you search for your perfect apartment, please keep in mind that rental rates (including specials and discounts) and availability are very fluid in the apartment industry. Based on many factors, the rental rates (including specials and discounts) and availability can actually change not just daily, but hourly, if not even more quickly. While our advertisers do take steps to keep their information current, the rental rates or availability you may find here now at ForRent.com may not be the same as when you contact the communities.
Quick Links For Your Apartment Search
- Charlotte metro
- East Charlotte area
- Charlotte
- 28215
- See Also


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Contributed by: ACT Staff
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Brett Wheeler Holds Off Scott for Late Model Win
Brett Wheeler of Waterbury Center met Phil Scott's challenge on a late race restart and sped off to victory in the Harvest Equipment Night Late Model 50-lap main event on a rare Monday night of stock car racing at Thunder Road.
Wheeler started on the pole and left everyone in the dust before a caution for Joey M Laquerre's spin on lap 39 brought his Spherion No. 1 back to the field. Scott lined up alongside Wheeler in the Lamberton Electric/Maplewood No. 14, but wasn't able to hang at Wheeler's door.
Trampas Demers and Dave Whitcomb spent the final 11 laps in a spirited battle for 3rd that went to Demers. Rookie Jason Corliss finished 5th. Point leader Derrick O'Donnell came from 20th on the grid to claim 6th. O'Donnell was 13th at the halfway mark. Positions 7-10 went to Joey Laquerre, Dave Pembroke, Mike Bailey and Eric Chase.


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Designed by Boston-based Anshen + Allen, the new 5-story South Pavilion at the Women and Infants Hospital in Providence, R.I., has received LEED Gold certification from the U.S. Green Building Council.
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Women and Infants Hospital
© Anton Grassl/Esto
Designed by the Boston office of Anshen + Allen, the new five-story South Pavilion at the Women and Infants Hospital in Providence, R.I., has received LEED Gold certification. Designed to allow the hospital to meet growing demands for its specialty services, the facility serves the women of northeastern Connecticut, southeastern Massachusetts, and Rhode Island.
Originally, the cramped open bay neonatal intensive care unit held only 60 beds. At 140,000 square feet, the new pavilion includes an 80-bed NICU throughout two floors, comprising 70 beds in private rooms and 10 beds in multi-bed rooms for families of multiples. An additional floor houses 30 ante-partum beds. A transparent 2-story link connects the South Pavilion to the existing hospital. The rooftop penthouse serves as a visual landmark for visitors approaching by car.
Although the majority of NICUs across the country opt for an open bay model of care, the design team chose to incorporate single-family rooms, an emerging trend in NICUs because even minimal visual, auditory, and tactile stimulation can negatively impact infants' breathing and heart rate. Ongoing research efforts will compare the health of infants treated in the former NICU with those treated in single-family units. The privacy these rooms provide also is consistent with U.S. HIPAA regulations.
The South Pavilion incorporates many sustainable strategies. The building's orientation and massing are designed to maximize natural daylight. Common areas are located at the joint where the new wing bends to open up views to the exterior and further allow daylight penetration. Water-efficient landscaping and low-flow plumbing reduces water waste while a stormwater system filters rain water in an underground tank before returning it to the soil. Low-energy lighting and appliances, insulation, high-efficiency glazing, and a reflective roof further reduce energy consumption. High-efficiency mechanical systems provide 30 percent more fresh air than building code requires.
Finishes and carpeting are low in VOCs. In addition, the new wing incorporates products and materials with recycled content, many of which were regionally sourced and manufactured. Employees driving low-emission, fuel-efficient vehicles have access to a special parking lot. Bicycle parking also is available.
Maximizing natural light is not always as easy as adding a couple of windows. Luckily...
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Flooded Nicholasville community braces for more rain
Updated: 08/11/2014 - Many people living on Brookview Drive are working to clean up flooding damage, but with more rain on the way they are worried this won't be the last of it.
Updated: 08/11/2014 - Many people living on Brookview Drive are working to clean up flooding damage, but with more rain on the way they are worried this won't be the last of it.
Updated: 08/07/2014 - It's a memorial to honor veterans who served in Vietnam. A traveling replica of the Vietnam Veteran's Memorial Wall will be on display in Wilmore starting on Friday.
Updated: 08/07/2014 - The robber approached the clerk at the pharmacy and handed the clerk a list of prescription drugs.
Posted: 07/22/2014 - Police in Jessamine County say response from the public via social media helped them identify a suspect in an identity theft case.
Posted: 07/21/2014 - Nicholasville Police need your help finding a man, they say, could be involved in an identity theft case.
Posted: 07/18/2014 - The crash happened June 26 on U.S. 27 in Nicholasville.
Updated: 07/18/2014 - The jury duty scammers, posing as warrant officers, tell people there is a warrant out for their arrest, and they need to pay a fine or they will be thrown in jail.
Posted: 07/17/2014 - The group of citizens selected to weigh in on the proposed I-75 connector linking Madison County with Nicholasville will sound off Thursday night.
Posted: 07/16/2014 - An adult and two juveniles have been charged with breaking into a central Kentucky store.
Posted: 07/14/2014 - (Lexington, KY)— Camp HOPE will be a one-day retreat for children, ages 6 to 12, who have experienced the death of a loved one within the past two years. Caregivers of the children are also invited to attend. Camp HOPE will be held September 13, 9 a.m. – 4 p.m., at the Hospice of the Bluegrass Center for Grief and Education, 2409 Greatstone Point, Lexington, Ky.
Posted: 07/07/2014 - The crash happened June 29 on U.S. 27 in Nicholasville.
Posted: 07/07/2014 - Friends and family will start saying a final goodbye Monday to a family killed in a crash.
Updated: 07/04/2014 - A Jesamine County business has been broken into twice in two weeks
Updated: 07/03/2014 - Family and friends gathered in Nicholasville to remember an 18-year-old who police say was shot to death in Lexington.
Updated: 07/03/2014 - Thursday, July 3 marks one week since six people were killed in a crash in Jessamine County.
Updated: 07/03/2014 - Here's a list of several 4th of July celebrations planned across the Bluegrass.
Posted: 07/02/2014 - One of four people injured in the Jessamine County crash, that also killed six others, has been released from the hospital.
Posted: 06/30/2014 - The family of five died last Thursday when police say their station wagon crossed the median of U.S. 27 and hit a van.
Updated: 06/30/2014 - One of the people injured in a deadly crash is improving. The crash happened on U.S. 27 in Nicholasville on Thursday night.
Updated: 07/01/2014 - Hundreds gathered to honor five of the six victims who died in a horrific car crash in Jessamine County on Thursday.
Updated: 06/29/2014 - The four survivors of a horrific crash in Jessamine County are recovering at UK Hospital. People who work closely with them say the support they've seen from the community has been overwhelming.
Posted: 06/27/2014 - It was a horrific crash. Police even called it one of the worst they had ever seen. We're learning more about some of the victims in a crash that killed six people and injured four others in Nicholasville.
Updated: 06/27/2014 - Family members have identified five people who died in a crash on US-27 in Jessamine County Thursday night.
Updated: 06/27/2014 - Nicholasville Police expect to be on the scene of the crash into early Friday morning.
Updated: 06/24/2014 - Erin Adams, 7, was pulled from a pool at the Nicholasville Aquatic Center last Friday.


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If you've been a bit doubtful about those TV shows that do garden makeovers in a few days , know that it can be done. Yes, an Irish inspired garden with customized softscapes, hardscapes and water features. Yes, a Monarch Sanctuary. Yes, a Garden of Weeping Wonder with spruce, fir, beech, pine, ginkgo and Alaskan false cypress complete with a tree stump retaining wall.
What does it take? Tons of dirt and rock, hard work, big boy toys, and lots of big boys (and girls). In this case, all together under one roof – Navy Pier. The Chicago Flower and Garden Show is under way, and what they accomplish in less than a week would be a miracle at my place.
I couldn't get the house on the right to look like the house below if you gave me several years. Yet the Garden Show has 21 show gardens, delivering a touch a spring and a wealth of ideas to the home gardener.
There are some ideas I simply can't replicate. In particular if a horse is involved, like the Mackinac Island display below. I'd do ok on the bike part. I even bought a new bike just yesterday. Woohoo! A new bike that just might go with us to the Mackinac Island Grand Garden Show at the end of August. Jack Barnwell and his team have quite the task managing 150 gardens on the island, using horse power, man power, and bike power since there are no motorized vehicles. For ease in maintenance, Jack is convinced that Proven Winners really is the winner, by far. I guess if I had to take my bike to do deadheading, I'd have the same aversion to it that Jack does. Wait – I don't have to take my bike. I still have the same aversion to deadheading.
Jack's team built the Mackinac Island show display, with the luxury of motorized equipment. Kid stuff for them.
Want to see more? The runs through Sunday. I guarantee you won't see this:
You can even stop by to visit me. I'll be in the Seminar room introducing speakers. Hope to see you there.


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Transplanting Spruce Trees
I have three five foot spruce trees that I really don't care to have. We have a well treed lot as it is and I know in 5 yrs or so our new neighbour will be completely shaded if we keep them. Yes, I feel bad. Just another excuse to get rid of the trees. I do hate the idea of just chopping them so I found friends who are interested in them. Is it feasible to transplant them at this stage? Any tips on doing so? Thanks so much!
The cooler the weather the better. I did up stuff all the time however as people here have gotten to know me to do. Watering is the key to succesful transplants.
You can also surround the trees and it's a recommendation by all to cover with shade fabric. This is pretty much crucial that you do. On the hot, hot days, spray the foliage as well.
Move now while it's hot and water will be the key. Or, early spring or late summer/early fall is what a book will tell you to do.


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Skiing Snowjourn
Lee Scotland leads a group of classical skiers during the annual Snowjourn cross-country ski race held Saturday morning at Buena Vista ski area. Forty seven skiers participated in the event. The 6 inches of fresh snow that fell the night before created perfect skiing conditions. MONTE DRAPER | BEMIDJI PIONEER
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|Welcome to the 2015 Budo Kids Cup
This event is the first kids tournament in Idaho with NO registration costs for kids 12 and younger! It is sponsored and sanctioned by the Idaho Brazilian Jiu Jitsu Federation.
The Idaho Brazilian Jiu Jitsu Federation was founded with the intent to promote the sport of Brazilian Jiu Jitsu in the state of Idaho through competition, community outreach programs, and education. We are a non-profit organization of people dedicated to the growth of this incredible sport in the state of Idaho and the northwest.
Through the support of Budo Videos and a host of private supporters the Idaho Brazilian Jiu Jitsu Federation is proud to continue on its mission statement: "The Idaho Brazilian Jiu Jitsu Federation's mission is to promote the sport of Brazilian Jiu Jitsu through education, competition, and community outreach." This goal is realized through events like this.
Registration is open March 1st 2015 and close April 18th 2015 at 11:59pm there will be NO registration at the tournament for kids divisions.
This year we will be doing spot check weigh ins before your childs match. They will have to be within their weight class at that time, if they are not the correct weight they will not be able to compete. Please make sure your children's weight in your registration is accurate. We try to make a great event for the kids and it would go a long way to help us in the goal by registering your child in an ACCURATE weight class.
We will be posting the bracket confirmation on April 21st 2015and final brackets on April 23rd 2015.
To view the current list of athletes please click here. If anything looks incorrect for your athlete please contact us.
Hotel Partner: Our host hotel this year is the Spring Hill Suites! It is just a few quick minutes from the venue and offers a suite with 2 queen beds and a pull-out couch for $99. They fill up quick so book today!


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Team Alberta, Skip Heather Nedohin in Playoff 3-4 win action vs Team Quebec at The 2012 Scotties Tournament of Hearts, February 18-26, Red Deer, Alberta. The Canadian Womans Curling Championship.
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I visited your link, AnterraCon. It was unable to find my IP address and then told me that "the Windows networking technology which connects your computer to the Internet" was putting my anonymity at risk. Since I'm using a Macintosh, I left not being too concerned about whatever it was the site was trying to scare me into believing.
(Aside to speckledhen: no, I haven't-- but now that you mention it, I really should have.)


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What are some towns to look for rentals near Fort Myers?
If you are looking for apartments in Fort Myers area, there are plenty of cities to choose from. Cape Coral is just to the southwest, and it is a decent-sized town right next to the water. North Fort Myers is another spot to consider. Lining up some apartments to view should be easy to do […]View Post


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January Employee of the Month
Congratulations to Samantha Damiano
Sam has been employed at LSE for 2 years this month. She has worked during that time to learn many new skills and has participated in outside employment on a part time basis. She has been extremely motivated in the last several months when we have gotten large jobs and jobs that had quick deadlines. She has pushed herself to do more than ever and has maintained a good attitude toward work. Over the past month her supervisors have observed her improvement in her interpersonal skills and her conflict resolution skills. We look forward to seeing her continue to grow.
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