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Wrought Iron Curls
Hope you guy's don't mind a Kiwi joining but I'm not only a keen fisherman and gardener but love making gates and things out of Iron.
So far I've been able to make a simple bender for doing curves but have trouble making fancy bends which are all the same on my wrought iron ( really steel in this case) gates and fences.
Will post some photo's tomorrow of what I've made so far. I'm actually a certified fitter Turner amongst other things and can probably help with machining techniques but when it comes to bending steel consistantly the same cheaply I'm having a few problems.
Glad I've found this forum. For year's I've been tied up with the Tomato growing one amongst others.
Hope to get to know you all as well as the people I've met there.
Kind regards.
Hi Ross
Another Roscoe here,
I'll introduce myself first, I'm 42 married with 2 young girls. I'm been a licenced steamfitter and plumber for about 20 years. I don't weld at work (because I am surrounded by professional welders) but at home I make wrought iron (steel) garden trellises obulisks etc, and a few gates and fences. I do all my own work on my cars,burn wood in a home made boiler and we do alot of gardening.
In answer to your question about fancey curls you can do this two ways depending on how much room you have. The table is the same in both ways but one way the table moves (via a motor/gear box) or the other way you walk around the table with your metal. All you do is make plate jigs that you drop in as you walk around with you steel. The jigs should be plate about 3/4" to 1" thick and be cut like a half moon but larger on one end. The first one in the centre will be small and you will be able to rotate your steel about 3/4 of the way around it, then drop in the second jig which will be bigger and longer and the seel will bend around it. You can do this as many times as you want to. In order to get the right shape of jigs you can cut them out of wood and bolt them through the table and experiment that way. Your seel jigs will have harden steel pins tacked in them to drop into the table. When you build your table you should drill all you holes in an X (at right angles of corse) then put your pins in your jigs to suit your X. You may end up with 3 or 4 sets of jigs (colour coded of corse)
If you need to I should be able to e-mail you a pic?
I hope this will help you out, it is easy to build and very interchangeable.
Would you be intrested in trading seed with a Canadian
Check out my page
Hi guy's,
Sorry for the delay in getting some photo's uploaded of what I've beeen trying to do. Unfortunately work gets in the way of other interests.
Anyway all this started with us getting a puppy so I had to keep him on the section and out of my vege patch.
First photo is of a couple of short fences and a gate which caused me problems getting a neat arch over the top. Even a wooden form did'nt help much. The curly bit's I added I finished up having to buy and they are the sort of thing I'd appreciate help in making.
Next gate I made I found an engineer shop with a huge metal roller for the arch so if anyone can show me a design to make a smaller version for home use that would be great too.
Then I made a garden gate and had it powder coated which came out not too bad in my humble opinion.
Lastly out of the leftover steel I've been making these window type boxes which are galvanised then powder coated so they should last for years.
Again my biggest problem was coming up with jigs for making all the curves the same size.
Any thoughts or idea's you have I'll be watching for with interest. And Roscoe do you think you could post some photo's or drawings showing how you built and use your jigs.
Cheers for now.
Dang Rosco, That looks great! I cant help a whole lot when it comes to artistic stuff. All I can do is tell you what I think about how it looks :). The last 50% of my welding were things for a chicken coop and the chickens arent all that picky :). About the only artistic thing was a branding iron and it was pretty basic.
I have seen some nice scrolls made with a harbor freight model. A friend of mine has one and he as made some pretty good looking scrolls as far as I could tell. I also believe it was pretty inexpensive. They also have a cheap roller, but I cannot say I've ever seen anything made with it.
Thanks for posting the pictures.
Someone on the tractor forum posted a thing for me on how to post pics, I think it was Ed. I'll try to find it and re-post it.
Your gates and fence look VERY GOOD.
If your not going to do hundreds, the manual way with fixtures is the way to go. I have done it this way myself, but with a twist. I made a fixture to mount into a Reese Hitch. And my, tacked on mandrels were 1" slices of various sized sch 40 and 80 pipe.
Roscoe and Joe,
First Roscoe I got your photo's of the commercial unit but really was more interested in what you had made up yourself. The photo's are in TIF format which may be why they were difficult to post!!!!!!!!!!
It's really difficult to tell from the 2 photo's just how they work. If you like I'll convert them into JPEG format and post them for you. Also It's a bit difficult to simply ring the company in the US without incurring huge expenses.
Really I was hoping some of you guy's had come up with clever idea's for making your own benders which I can borrow.
Judging by the photo's I expect such set up's are pretty expensive especially as they are castings.
First here are the pic's changed to JPEG I hope.
Hi Rosco
Sorry if I mislead you I haven't started building mind yet(only because I haven't needed it yet), when I need it I'll build it. I've got all the pieces that I think I'll need.
Let me describe the 1st pic.
The table will not move, now to start the inner part of the curl you would remove the large jig. then insert the end of the rod in the middle of the small jig. The outer part with the adjustable (horzontal) shaft has a handle that inserts in the hole in the bottom and then rotates around the table, taking the seel with it on the roller.You will take the steel about 300 degrees then set in the second jig. From there you will take the handle around another 360 degrees or what ever is is required.
I hope this helps you.


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Picked out the Pennsbury Inn from their web site and the Trip Advisor reviews - worked out great for a mis May visit to the gradens in the area. Cheryl and Chip were very friendly and knowledgeable about the area - steered us to a couple of really good restaurants. Winterhthur room overlooking the garden was very comfortable. Gardens are spectacular. We will stay again. Tom & Sylvia Smith
- Official Description (provided by the hotel):
- c.1714 Colonial Country Inn, with 7 guest rooms (featuring comfy feather-bedded twins to kings), 5 first floor parlors and 8 acres of award-winning gardens and wooded trails. There are sumptuous breakfasts, all day beverages and treats & bedtime snacks at this warm cozy bed and breakfast. A perfect getaway place for travelers far and wide who come to the Brandywine Valley to explore its myriad treasures. Longwood Gardens, Winterthur, Nemours, Hagley and the Wyeth art at the Brandywine River museum are all just a few minutes a way, and just the beginning of this area's treasures. Hiking, biking, hot air ballooning, fishing, horseback riding and so much more. The 7 wineries of the Brandywine Wine Trail and other independent wineries, invite you to taste and tour. Our outstanding area restaurants end your evening with perfect taste. ... more less
- Reservation Options:
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- Also Known As:
- The Pennsbury Hotel Chadds Ford

subset: commoncrawl


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Lmao1234 July 19, 2013
Rofl her moan sounds fking hilarious....
elias June 30, 2013
i wanna fuck that asian girl
Jon June 30, 2013
This girl is really hot.
Dipinsider June 30, 2013
what's her name???
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- This hot Asian chick sucks her man's cock, gets fucked in the bath, rims his ass and then swallows his load as he shoots in her mouth. You'll wish you were there in the tub with her!


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So i have a slideshow block(its responsive) and i have set
min-height: 315px for this block, i really need it, but when i resize window i need to reduce
min-height smoothly, right now i wrote jQuery code, so its working, but its ugly tbh.
function minHeightBehavior(width) {
width = parseInt(width);
element = $('#block-views-home-page-slider-block');
sliderHeight = $('.views-field-slider').height();
element.css('min-height', '315px');
if (width >= 769 && width < 960) {
element.css('min-height', sliderHeight +'px');
right now blocks below the slider, is jumping up, its because for example when window
screen width is 900,
element height is 300 and if
screen width is 899,
element height is 300 too. After that if
screen width is 898,
element height is 299, etc.
Maybe there is a better solution out there?


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Merced man gives 'Batwoman' a voice for DC Comics
It starts with a ghostly being entering a family's home in pursuit of children; then there's a crash of red as our hero, Batwoman, comes to the family's rescue.
The artist and co-writer of DC Comics' ongoing series "Batwoman," J.H. Williams III, will visit Comics Plus on Center Avenue early next month for a free signing.
"Batwoman" No. 1 hit stores Sept. 14.
"It seems to be doing really well; we're going into second print on the book already," Williams said.
Many of DC Comics' lines are selling well. The company rebooted all of its books beginning Aug. 31, throwing out decades of storyline continuity in some cases, to attract new readers.
Williams said he was skeptical at first about the relaunch of 52 separate titles. He wasn't sure how fans would respond or if the quality would decline. However, he said its energized the books.
"As things started rolling out and as more and more information started coming out, you could definitely see my skepticism was defeated," Williams said.
The Atwater High School graduate works from Merced, where he lives with his wife, Wendy. Williams is a frequent visitor to Merced's Red Sky Comics, and he also was the recipient of two Eisner Awards, the comic industry's most prestigious, in 2010 for his inside and cover artwork on "Detective Comics."
Along with the reboot, DC Comics is offering digital downloads of all of the titles the same day they are available in stores.
Williams said as DC tries to grab a digital audience, his artwork won't change. Though portable devices may have different limitations -- the centerfold splash page found in regular magazines is moot digitally -- he'll approach the art the way he always has.
"I have to draw the book the way I think it should be drawn, and the way it's intended to be seen," Williams said. "For me, that's as a finished book you can put on your shelf."
Williams has worked as an artist on books featuring the X-Men, Batman, Jonah Hex and countless others. His writing chops are not as robust, but he's not a rookie, with credits on books "Chase," "Batman: Snow" and "Hellboy: Weird Tales."
The DC relaunch finds Batwoman not too unrecognizable from her character before August, but she's only been around in her current form since 2006.
"The character is so fresh, and her story that came before was so profound that it would have been a real disservice to ignore any of that," Williams said about the superhero who happens to be a lesbian. "We always intended for her series to be a kind of continuation of what came before, but with lots of new, fresh elements to add to the meat of it."
Randy Martin, owner of Comics Plus, said this is first comic creator he's ever brought to the store. He said that's mostly because Williams lives so close.
Martin said he's excited about the visit, and has stocked up on "Batwoman" No. 1 in anticipation.
"He's won a couple Eisners," Martin said. "You don't win those if you're not good."
Martin said Williams will sign items free of charge, as long as they are something he has worked on. He's scheduled to be at Comics Plus from 3:30 to 5 p.m. Oct. 8.
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zone 6 - lettuce patch start?
Hi Folks,
I have been in this KY for four years, and have just built a small hoop patch for salad. I always start some lettuci indoors ahead, but am wondering how soon i can seed out under my plastic-covered patch?? Our last frost date is May 10th or so. How soon can i direct seed greens in my little plastic tunne? I will replace it with remay after it gets warmer - then on to shadecloth.
Lettuce germinates well with soil temps between 40°-60°. I direct seed and cover with slotted row cover as soon as possible. Your plastic cover should be fine. If there's going to be a heavy frost you can gently cover the patch with a few sheets or a light weight blanket. The frame for the plastic should be able to hold up a little extra weight over night.
Thanks again, Dear Robin! I made a beeeautiful bed of soil for this new lettuce patch- lotsa compost, manure, peat, leaf mold, alfalfa cubes, and a nice molasses dessert! I've a good heirloom lettuce seed collection and am eager to get fresh salad back in our lives! Today, whilst prepping the pea beds, i noticed that my wintered-over spinach is just beginning to grow again. Yeehaw!


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May 28, 2013
The used truck market was unable to book a third month of sequential improvement in April, due to a 33%+ contraction in the auction segment of the market. The retail and wholesale segments rose 2% and 19%, respectively, month over month. The update on the used market was reported in the latest release of the State of the Industry: U.S. Classes 3-8 Used Trucks, published by ACT Research."Dealers continue to report scarcity of inventory as one of their greatest challenges, especially for late model, low mileage equipment with desirable specifications," said Steve Tam, vice president-commercial vehicle sector with ACT.
"Many dealers are also reporting that used truck buyers are reluctant to adopt trucks with 2007 EPA compliant engines. Eventually, buyers will have no choice but to make the switch," he added.The report from ACT provides data on the average used price for the top-selling Class 8 model for each of the major truck OEM's – Freightliner (Daimler); Kenworth and Peterbilt (Paccar); International (Navistar); and Volvo and Mack (Volvo).
We offer e-newsletters that deliver targeted news and information for the entire fleet industry.
The expert, Mark Betner from CITGO, will answer your questions
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Drones And the Future of Package Delivery
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Ultimate Test Drive Video: Brain and Brawn
Ultimate Test Drive Video: Small Block, Big Load
Dynasys SL Auxiliary Power Unit
Webasto Releases Advanced Heater Controls
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Cloud-Based In-Cab Video System Launched


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Shipping lines in the eastbound Pacific announced Wednesday a schedule of minimum rates that appear to reflect strong demand for vessel space on all-water services to the East and Gulf coasts, and congestion issues on the West Coast.
Growth in containerized imports and exports through North Europe ports is expected to flatten out this year after solid increases in 2014, according to the North Europe Global Port Tracker report.
Container volumes at West Coast ports plummeted 24 percent in the first two months of the year compared to 2014 due work slowdowns by the International Longshore and Warehouse Union, marine terminal congestion and the diversion of cargo to other ports.
HONG KONG -- Orient Overseas International Ltd.'s announcement that it will spend almost $1 million on the purchase of six 2
AirBridge Cargo, the only Russian carrier in the Hong Kong market, will be the main beneficiary of fifth freedom traffic rights out of the city that were granted to Russian air freight carriers following a new round of bilateral talks that concluded last month.
Although its last fiscal year was ugly, UTi Worldwide is optimistic about the year ahead, and expects to grow its freight forwarding and logistics businesses. A surge in air freight in February and March attributed to U.S. West Coast port congestion helped.
The Port of Virginia is rolling out additional equipment and breaking ground on a new cargo yard in an effort to relieve a now six-week-long container backlog on the waterfront.
The truck driver shortage in the U.S. apparently is becoming "more pervasive" despite higher pay and retention efforts by for-hire trucking companies, data released by the American Trucking Associations suggests.
2M Alliance partners Maersk Line and Mediterranean Shipping Co. have added a fourth westbound trans-Atlantic service as part of a global revamping of their east-west routes.
A benchmark of contracted ocean freight rates has inched up, but doubts remain whether the uptick is sustainable considering beneficial cargo owners' resistance to pay more for poor service.
Hapag-Lloyd said it detected and prevented the shipment of 2,620 misdeclared shipments of dangerous goods last year — an average of more than 50 a week.
Officials at the Panama Canal say an "unusual" backlog of vessels on either side of the waterway is likely due to the lingering effects of U.S. West Coast port congestion more than a month after acrimonious labor disputes there came to a close.
Global air cargo traffic soared by 11.7 percent in February, driven largely by the timing of the Chinese lunar New Year and the congestion at U.S. West Coast ports, the International Air Transport Association reported.


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'Island' gardens?
Hi all!
I am doing my best to eliminate as much lawn as I possibly can. Sure, it means a lot of mulching, but mulching once vs. mowing weekly? With all the PI on my butt again, that is a no-brainer.
I have just mulched two "islands." One is an irregular shape around the 3 birches I moved out of the woods, then the other is around the 5 beeches.
I'm debating what, if anything, I should plant in their beds. They're not shade providers, which is neither here nor there. I don't want two (more) stupid little gardens, trees with stuff stuck underneath them. But OTOH, I keep reading about people's beautiful Island gardens in their pursuit to eliminate lawn.
Does anyone have any ideas?
Anywhere they've seen pictures?
I'm used to edge gardening, but out in the middle of the yard? Don't know.
Thanks for your ideas,
Well, I guess you've decided not to put JMaples in these beds, right? I'd love to eliminate more lawn myself, but I'm constantly negotiating w/ my DH, who loves grass.
You say they're not shade providers, but my beech tree has the deepest, densest shade imaginable-nothing grows there, except violets.
I have 1 bed, under the dense shade of my neighbor's maple-I've planted epimedium, hostas, tricytris, hellebores, ferns, camellias, heuchera, heucherella, columbine, asarum, pachysandra, sambucus, actea pacypoda, & thrown in some coleus for summer color...
Christine, the beeches are going to be big trees and do provide dense shade. They are also shallow rooted, and between the two, it might be a challenge to garden underneath.
As for island gardening, it really isn't that complicated. Just pretend that you've got two edge gardens butted up against each other. So, you'll have your taller stuff in the middle and work your way down to shorter stuff towards the edges.
Not that I have an eye for design or anything (I'm more plantaholic than a gardener with good aesthetics), but I think the mistake a lot of people (myself included) make with gardens in general is in not incorporating enough shrubs and evergreens into the planting. Good garden design is just that, and I'm sure you'll do just as well with your island bed as you do with your edge plantings.
I have really gotten into shrubs this last year. I have some really unusual shapes, excellent colors, and my eye on more. They're providing structure I have yet to work into my gardens, but in my mind, they're great.
Linda, my beeches right now aren't tall or wide enough to provide shade. Were they? Under them would go some potted JMs! Right now, they're still sun gardens. I can't think of anything you have in your shade that I don't, other than Jack-in-the-Pulpits, trillium, mayflowers, and the really tall (6') meadow rue. Kim's Monkshood, which is GORGEOUS.
I guess you're right, Suja. I'm probably over thinking these areas as gardens. I think what I'll do is just wait until something speaks to me. Right now, I'm still arranging the huge chartruese and burgundy garden to my satisfaction. I do happen to have some rust-colored (yes, living) shrubs that I didn't have a place for. Hmmmm....
Ever heard of a Black Dragon shrub?
Christine, I have two (well, several) 'island gardens', and so far they're working for me. I actually prefer them to edge of the house/fence gardens because if I have something tall in front of something short, I can still see the short plant from another angle. The smaller one is mostly done, but I'm still planting in the bigger one, just working my way around with some low stuff toward the outside, with a couple of shrub-ish things tossed in for color later on. Not a huge amount of deeply thought out DESIGN - I'm a big fan of get it in the ground where I think it will work and move it later if need be. The only design-ish thing I've tried to do is to get a little height in the middle of each island. One has the JM tree that I got at the plant sale here in town, and will have Susan's cupflower and a couple of other tallish things (like corn...), and the other has a small fence/trellis and a lilac that is about 3 feet high now but is doing well and looks like it will be quite bushy. Oh, and Suja's David Austin rose...
Of course, now that I typed all that, I realized that you can look for yourself next week! Oh, well...
And I'd attach a pic but now I have a wailing 4yr old...so, g'night!!
I already have so many ornamental grasses I'm kind of tired of them. They sure server their purpose and look great, but the fascination has worn off.
However, given the fact I do have so many, I'll probably put some out there for continuity. Kind of like my Nandina fascination. Got 'em everywhere.
I will look, Lynn. :) I am a big one for moving things later, too. Sometimes right on out of my yard.
I move my plants around so much I should give each of them roller skates! Well, not quite, but close.
The problem is - I can plan out a design, but I can't find the plants I want (or the right size, or the right price). Then I end up finding some way cool plant that I've always wanted, so I just stick it wherever there is an empty spot with the appropriate conditions. If I figure out a better spot for it, or if it's unhappy, it gets moved later on (usually a year or two or more).
I'm so glad I discovered the swap - I moved some plants right out of my yard too!
I'm creating my first "island" bed this year. It used to be a veggie garden, but I got tired of that. Then it was supposed to be a display bed for my tropical hibiscus, but one end was too waterlogged. So this year it's becoming a tropical bed, with bog-loving type plants on the wet end. I'll mostly be seeing it from one side (the other faces the neighbor's yard), but I will put some shorter, early blooming plants there so I can have flowers in the spring before the tropicals go in, then the tropicals will grow tall to hide them after the blooming is over.
Sounds like a heaven made for cannas!
I entertained vegetables once. Vlad convinced me I needed a raspberry bush, at least. I'll be darned if that thing isn't spreading all over the place.
I remembered I have a bunch of copper to burnt orange colored shrubs, along with some toffee grass, a gorgeous, full-sun heuchera 'Bronze Beauty' and a couple of other things along this color family. I'm a'thinking they might look good around the birch gardens....
I'm terrible and never really plan perennial beds. I plant whatever catches my eye. If it doesn't work in one garden I move it around until I find a place. It goes on like that for about 3 years until the plants have really matured. What looks good the first year or two all of a sudden looks terrible because it's gotten too big or the other plants have overgrown it. I have lots of shrubs but very few trees and nothing really big except for a magnolia and a catalpa, both of which were volunteers.
Christine, if you need someone to come help you pick raspberries, keep me in mind!! =) Oh, btw, what time is good for you on Monday? My day is pretty much wide open, so whatever works for you should be fine for me.
Karyn, how tall is your catalpa tree?? My great aunt had one that was enormous, and skidding on dropped flowers in the driveway and using the pods for swords are solid childhood memories for me.
I decided I couldn't do an official veggie garden, so I'm mixing them into the different area gardens, partly so I'll still have flowers to enjoy in case none of the veggies grow, and partly to hopefully foil some of the little bunnies that are hopping around here...so far they haven't discovered the carrot fronds but I'm not holding out hope for long... hmmm, maybe I'll try scattering some of Arabella the giant bunny's fur around, maybe that will help.
I have 2 island gardens. One is supposed to be japanese themed with a japanese tree, a small mugo pine, and another small yellow leaved bush, and then the kind of spruce that looks like it could have come out of harry potter. Finally there is a bunch of very taupe/light light purple irises. It's very simple and the only thing I keep meaning to do is to move a small boulder in it.
My second one is a butterfly oriented one with a black Knight butterfly bush in the middle (please don't post any follow-ups on the issues surrounding this bush i am well aware of them :) and things like joe pye weed behind and helianthus of 2 sizes. It's colors are purple, orange, red and yellow which i've really been liking as a combination. By the time things like the clematis and purple columbines and purple irises are done blooming other things are starting and the season ends with tritonia and the annual butterfly weed that self seeds. I have also put cardoon seeds in this year but I will have to see how it works out.
I like them because I can have different color schemes but my yard is much smaller than yours. The ultimate goal like others is the minimization of grass.
Lynne my catalpa is pretty big, at least 30' with a huge spreading canopy and it reached that size really fast. Unfortunately I think I'm going to be forced to remove it because of the annual Catalpa Worm infeststion : ( The past few years I've had two infesatations per season. The caterpillar itself doesn't bother me, it's the loads of frass that rains down on my deck and the kids playground equipment, GROSS! I could hose it off every hour and it wouldn't be enough.
Yes, lots of cannas will be going into the tropical bed. Nice, soggy clay and full sun. They should adore it!
My raspberries are totally out of control! They used to be in the former veggie garden, but they spread too much, so I moved a few to the back fence where they could pretty much do their own thing. They got neglected for a while, so now I have a scrub patch of raspberries, honeysuckle, and whatever weeds blew over from the horse farm. It's going to be a mess to clear out, but I will do it this summer, honest!
kaffeina, I love my Black Knight butterfly bush and have yet to find a seedling anywhere. Grow it in good health!
Kaffeina, Black Knight isn't fertile. It's evidently not the hybrids that make such a mess.
I have a ton of space and in my gold/burgundy garden I have 2 HUGE Black Knights, 2 Royal Reds, and a bunch of other things that are strangely escaping me for the moment.
I'm thinking of blue and yellow under the white bark of the birches.
Under the beeches, perhaps the copper colored stuff.
I can't decide. I do know, though, I need some of the cardoon seeds when anyone has some extra. That a fabulous plant.
In the meanwhile, I'm just going to finish mulching.


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In this ever-changing new digital world, it is almost a necessity to have a way to stream content to your TV. The DVD is quickly going the way of the VHS tape with endless online and on demand movie streaming options. These days, you can watch just about any movie you want, whenever you want (except Star Wars, sigh). Even better, the monthly cost of a subscription to a TV/movie service like Netflix is about half of what a DVD goes for these days.
By the Numbers: 35 Amazing Yahoo Statistics
by Craig Smith • 0 Comments
I get a lot of requests for new stat posts these days and one of the most requested companies is usually Yahoo. Makes sense since Yahoo is one of the oldest, largest and most visible digital companies around. Problem is, they aren't all that forthcoming with their stats. Even though they are a publicly traded company, their reports generally focus on financials with just a few cherry-picked users stats mixed in. Even their blog(s) contain very little data and the few user stats they do include on their blog and various websites are usually over a year old.
How Many Billions of Tumblr Posts Are There? (New and Updated Tumblr Stats)
by Craig Smith • 0 Comments
Tumblr recently released a series of 2014 recap stats, which gave me the perfect excuse to make some long-overdue updates and additions to my Tumblr stat post. In this round, I've included a few 2014 superlatives, but more importantly updated some of the more critical stats like number of Tumbler users, blogs and posts.
Below are some of the new and updated Tumblr stats from this round in my new Slideshare format. As always, for many more stats, please visit the full post.
4 Awesome Ways to Track and Chat with Santa Digitally (2014 Edition)
by Craig Smith • 1 Comment
Every year, it seems like more and more digital companies are getting into the holiday spirit and showing off their creativity by offering fun ways for kids of all ages to reach out to Santa Claus.Most of this Santa-stalking started with NORAD's online Santa tracking 60 years ago and really took off once digital heavyweights like Google and Microsoft entered the picture.
Now there are countless ways for kids to make a last-minute plea to the big guy and get on the nice list and to track his journey on Christmas Eve. In what has become a sort of tradition here at DMR, here is a quick rundown of my four favorite online Santa campaigns.
How Social Media is Revolutionising the Food Industry
by Emma Pauw • 0 Comments
Last month, Waitrose boss Mark Price concluded that social media has led to dramatic changes in the way we now perceive food, which in turn has sparked a dilemma for food industry giants.
The report has found that Britons have recently developed more cosmopolitan taste buds, born out of the sharing of food images online. As social media provides a way for the globe to share images and ideas, it's no wonder we are now taking food inspiration from people all over the world.
According to the report…
4 Things to Consider for a Website Redesign
by Michael Juba • 0 Comments
Every few years most sites do a website redesign to catch up with the new features and trends in the design industry. Your website is how you are going to show off your brand. It's all about having the best user experience, so if you haven't updated your website in quite some time, maybe you should consider it. There are plenty of reasons why you should hire a professional designer. Don't try and save money to do it yourself, because in the end you will probably just end up hiring a web developer anyway.
How Many People Now Use Facebook on a Mobile Device? (New and Updated Facebook Stats)
by Craig Smith • 0 Comments
For digital stat geeks, Facebook's quarterly earnings report and ensuing conference call are always something to look forward to and last week's reports certainly did not disappoint. I spent a little quality time with my various Facebook stat posts over the weekend and got added/updated everything from the reports, along with other stats that I have put aside recently. The result is a bunch of new and updated stats on each of the posts.
Below are a few of the new and updated Facebook stats from this round. For hundreds more, please check out each of the posts linked at the bottom of this post.


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Please Note: You can check the status of orders placed within the last 30 days. Any tracking information will not be provided until after midnight ET of the day your package ships.
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Our Best for Less!
Buy any one of our three favorites -
Bahama Breeze, Lemon Lavender or
Pink Sands and get a second one 50% off.
Shop Now
Vase Candles for Less!
Buy any one of our Deep Sea or
Promise Pure Radiance™ fragrances
and get a second one 50% off.
NEW Topper & Large Jar Candle Deal
Pair ANY Large Easter Jar Candle with our
Bunny Friends Illuma-Lid® Candle Topper and save.
4 for $20 SALE
Give a basket full of fragrance -
and save sweetly!
SALE 3 for $12
Freshen Everywhere You Go -
Take favorite scents with you wherever you travel, and save.
Gift Cards
Our gift cards are always great to give.
Available in your choice of design
and whatever denomination you choose.
Car Vent Stick
Item #1219547
Fragrance Life of Up to 2 weeks each
Mix & Match: 3 for $12 (must buy 3 for discount)
Provides instant and authentic fragrance, while the odor-neutralizing formula keeps the car fresh and fragrant. Each package comes with 4 vent sticks, contained in a resealable pack. Only the finest premium-quality ingredients infused with natural essential oils to create distinctive "true-to-life" scents . Depending on the fragrance strength you prefer, you can use one at a time or all four!
Let the worries of the day slide away with the help of this relaxing herbal blend of earthy sage, luxurious talc, and lemon-lime. The predominantly sage fragrance with just hints of citrus and talc creates a natural harmony that tells your body and mind that it's okay to unwind and enjoy the comforts of your home. The scent is earthy, but in a very clean, smooth way. The home-decor friendly color helps sets the tone, too.
Up to 2 weeks each
Copyright 2015 The Yankee Candle Company, Inc. All Rights Reserved


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By Nravo Inc.
Open iTunes to buy and download apps.
Immerse yourself in the ultimate mobile gaming experience while playing this thrilling puzzle game. Don't miss a chance to try a new combination of addictive gameplay, comical style and challenging tasks. Meet two adorable fuzzy thieves, who are addicted to the light and steal all bulbs on their way. Let the bulb hunting begin!
Pull the tongue, choose the best trajectory, make a jump and get the bulb. Share the light with greedy but funny "lightomaniacs". Remember that you should use your skills to find the optimal path, because the less moves you perform on your way to the target - the more bonuses you get.
It's a perfect app for those who are keen on challenging tasks as well as for everybody who is simply looking for fun. Having tried it once you'll become obsessed with both the game, and its characters.
- charming duo of characters;
- 102 exciting levels in 5 packs;
- challenging bonuses and awards;
- logical skills tasks;
- adorable heroes and funny animations.
If you haven't met the lightomaniacs yet, it doesn't mean they don't exist.
Get ready! Lightomania is spreading around the world!
LIKE US: www.facebook.com/Lightomania
WATCH US: www.youtube.com/NravoGames
VISIT US: www.lightomania.com
What's New in Version 1.2.3
Сheck out a new Bank pack with 24 new levels added!
Have fun!
- $1.29
- Category: Games
- Updated: 22 January 2015
- Version: 1.2.3
- Size: 34.9 MB
- Language: English
- Seller: Nravo Inc.
- © 2013 nravo™
Compatibility: Requires iOS 6.0 or later. Compatible with iPhone 4, iPhone 4S, iPhone 5, iPhone 5c, iPhone 5s, iPhone 6, iPhone 6 Plus, iPad and iPod touch. This app is optimized for iPhone 5.
Top In-App Purchases
- Walkthrough Pack$2.49


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Sam Mendes' Neal Street Productions Hires BBC Drama Production Guru
LONDON – BBC director of U.K. drama production Nicolas Brown will join Neal Street Productions, the stage, film and TV banner founded by Skyfall director Sam Mendes.
Brown will be tasked with the company's expansion into television drama, following its recent success with Call the Midwife and The Hollow Crown, both commissioned by and made for the BBC.
Brown will join the board of the company alongside Mendes, Pippa Harris and Caro Newling.
Brown joined the BBC in 2006 as director of drama production, a role that became director of U.K. drama production this year.
He is responsible for the delivery of all BBC network drama produced throughout the U.K.
Neal Street Productions is currently working on a second series of Call the Midwife and will next year produce the stage version of Charlie and the Chocolate Factory.
Never miss a story. Stay up-to-date with THR's Daily Headlines.
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From Christian Bale to Benedict Cumberbatch: Why British Actors Nab So Many American Roles
The Uncensored, Epic, Never-Told Story Behind 'Mad Men'


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Sugar Moon, Randy Scott, Snuffy - any info
I'm interested in Sugar Moon, Randy Scott,and Snuffy. Does anyone have any info regarding these varieties, e.g. BS, prolific bloomer, stingy, waterspots, thrips love, hard to get established, blooms last? Thanks in advance
I grow Snuffy on its own roots, from a cutting directly from the hybridizer. The flowers are lovely and they last completely forever in a vase.
Randy Scott is one of the best exhibition-style whites I have seen. The bush is vigorous and it produces lots of lovely flowers. This rose was queen of the Colonial District show last year, if I recall correctly. It's tough to do that with a white rose.
You can get these roses budded on multiflora directly from John Smith (the hybridizer). I can't find his info right now ... PM me and I'll get you in touch with him.


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Whey to Health supports your body's essential protein requirements with a unique profile of highly bioavailable proteins and immune factors' including branched chain amino acids (BCAAs)' lactoferrin and immunoglobulins. Whey is one of the most easily digested forms of high quality protein. It is low in carbs and can be used in conjunction with a variety of diet and exercise programs.
These statements have not been evaluated by the Food and Drug Administration (FDA). These products are not meant to diagnose' treat or cure any disease or medical condition. Please consult your doctor before starting any exercise or nutritional supplement program or before using these or any product during pregnancy or if you have a serious medical condition.
Serving Size: 10 grams (Approximately 1 Rounded Scoop)
Servings Per Container: 28
Amount Per Serving / % DV
Calories 40
Calories from Fat 5
Total Fat 0.5g / <1%*
Saturated Fat 0g / <1%*
Trans Fat 0g / **
Cholesterol 5mg / 2%
Total Carbohydrate 1g / <1%*
Sugars 1g / **
Protein 8g / 16%*
Sodium 20mg / 1%
Organic Whey Concentrate (from milk) 10g / **
*Percent Daily Values (DV) are based on a 2'000 calorie diet.
**Daily Value not established.
1 rounded scoop blended in 8 ounces water' skim milk or your favorite beverage. Consider adding ice and your favorite fruit or low-fat yogurt for a delicious smoothie.
If you are pregnant' may become pregnant' or breastfeeding' consult your health care professional before using this product.Do not use if either tamper-evident seal is broken or missing. Keep out of the reach of children.
Allergy / Dietary Needs
- Artificial Color Free
- Artificial Flavor Free
- Artificial Fragrance Free
- Corn Free
- Egg Free
- Gluten Free
- Made in the USA
- Organic Product
- Preservative Free
- Soy Free
- Starch Free
- Wheat Free
- Yeast Free
Ratings & ReviewsReview This Item
Overall Rating for Whey To Health Powder - 10 oz (283.75 Grams)
Displaying reviews 1-3 of 3
By Giovanni
from Coral Gables, FL
Great natural product
Whey To Health Powder is great and all natural. Will buy another jar for my brother.
√ I would recommend this item to a friend.
By Kate
from Seattle, WA
No added sugar
Whey To Health Powder is all product no additives. Just what I wanted. Highly palatable. But was unable to use it because I am sensitive it appears to milk protein.
No added sugars or flavors.
√ I would recommend this item to a friend.
By Vasco
from lisbon pt
Just whey protein
Nothing else! And unlike other protein powders absolutely free of heavy metals.
√ I would recommend this item to a friend.
Displaying reviews 1-3 of 3
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Please ask any questions you may have about this specific product in the field below.
Your question(s) and our corresponding answer(s) will not be confidential and will be posted publically on this specific product page.
Additionally, PureFormulas is unable to directly recommend products in relation to specific health conditions. Please contact your trusted healthcare practitioner for direct product recommendations.
If you have any general questions regarding orders or our policies and programs, please contact our Customer Happiness Team @ 1.800.383.6008Please log in to submit a question.


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DL couple partners in Anytime Fitness
Mason and Sara Pender recently became part owners of the Anytime Fitness in Detroit Lakes.
We have partnered with the club's existing owner/manager, Tim Teragawa, to help manage, expand the membership and make renovations to the club's current layout.
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You will need your subscription account number and phone number. Not sure if you have an account? Email us at email@example.com and we can help you.


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Swift's advanced collections can help you model more complex objects in your apps and create an API that is easier to understand and use. In this post, I model a chessboard using Swift's subscripts and also cover tuples and multidimensional arrays!
If you find it more convenient to listen to some text on your iPhone or iPad rather than read it, you can easily enable that capability. You might, for example, want your device to read a web page or ebook or other document to you as you drive. While this feature has been available for some time, note that iOS 8 gives a convenient new option for invoking speech.
You know when you're entering a long number in your iPhone's Calculator app and you mistype a digit or two? You don't actually have to hit clear and start over.
You can easily adjust the voice navigation volume in Maps up or down while using the navigation app by pressing the volume buttons on the side of your iPhone. But you probably don't want to discover you can't hear the voice navigation in Apple Maps and then have to mess with your phone while you're barrelling down the highway. A safer way to make sure the voice navigation is always at the right volume is to change Map's default volume.
If you share an iDevice with others, you may wish to keep parts of your web browsing history private. But what if you forget to turn on Private Browsing? You could clear your entire browsing history, but nothing says "I'm hiding things from you" more effectively. Fortunately iOS 8 offers more options for clearing your history more selectively.
There's no need for most apps to track your location at all times. However, before iOS 8, the only choices you had for location tracking was Always or Never. So if you wanted your photos to be tagged with the location in which they were taken, you had to allow the Camera app to always track your location, which could drain your battery and use your data unnecessarily. Now, iOS 8 allows you to set certain apps to only track your location while the app is in use.
In part 2 of this post on Swift's protocols, you will learn practical uses for declaring custom protocols in your own apps, and learn further how they improve the architecture of your apps and make them easier to enhance and extend.
In part 1 of this post, I demonstrated how to implement existing Cocoa Touch protocols in your apps. Now you'll learn how and why to create your very own. First, we need to cover the basic construction of a Swift protocol.
If you want to quickly call, FaceTime, or text a contact, there's no need to open any of the related apps. Those who have iOS 8 on their iPhone can quickly access Favorite and Recent contacts via the App Switcher.
As anyone who has used to Siri to make calls, search the web, or send messages knows, Siri doesn't always understand what you say. This can be followed by increasing frustration levels if Siri fails over and over to understand your voice corrections. But when Siri gets it wrong, you don't have to repeat yourself. Instead, you can edit your query via typing.
Thanks to iOS 8, Apple lovers finally have access to widgets on their iPhones. But users will find some widgets more useful than others. Maximize their utility by deleting widgets you don't need to see in the Today view in Notifications and arranging the rest in the most convenient order.
You know the feeling—you hand your phone over to a friend or family member, intending to show them a single picture, and suddenly you're watching in horror as they begin swiping through your 50+ selfies or stumble across your hoard of risqué photos. Thankfully, iOS 8 has introduced an easy way for you to hide your shots from prying eyes with its new "hide" feature.
Stop checking your inbox every five minutes for that reply to the email you sent. Enable reply notifications instead so you receive an alert whenever a reply in an important email thread arrives.
You don't have to leave a group message just because you want your iPhone to stop buzzing with new message notifications. Instead you can turn on Do Not Disturb for that message thread and read all the messages about planning your brother-in-law's birthday party later.
Protocols are a powerful, advanced tool that help make your apps easier to design and extend. They define standard behavior in classes that are not necessarily related. Protocols used together with delegates allow you to create classes with a well-balanced load of responsibilities.
Using Find My iPhone can significantly increase the odds that your lost iPhone will be returned to you. But it won't work if the battery is dead. With iOS 8, you now have the ability to have your missing iPhone send its location to Apple just before the battery dies. This is probably most useful when looking for a lost iPhone. A stolen phone is more likely to be moved after the battery dies.
Messages can take up a surprising amount of your iPhone's storage capacity and the reason is all those cute pictures of dogs and kids that you've been texting back and forth with your friends. Fortunately, it's easy to delete attachments from Messages without deleting the conversation.
I like the features of Safari in iOS 8. In a previous tip I showed how to request the desktop version of a site by tapping in the address bar and then dragging down on the Favorites window that pops up. I also just learned of a quick way to add the current page to Favorites, to your reading list, or to shared links.
I like Apple's Maps app, but a number of times it's taken me to a location that simply didn't exist: an Indian restaurant, a zoo, a hotel in a small town, a Chinese restaurant. I diligently follow Siri's directions and when she says I've arrived, the establishment in question is nowhere to be seen. And in several of these cases probably never existed. If you've had similar problems and prefer maps from third parties such as Google, you can now conveniently access these maps from within Apple's Maps app.
Often when you're searching the web for some particular bit of information, your search pulls up a long page of text. But you then have no idea where on that page to find the information you're looking for. The next step is to search within the page. The way to do that on iOS devices is simple, but not obvious.
In previous posts I have touched on inheritance in Swift. In this post, I'm going to be diving deeper and giving you a fuller picture of how inheritance works in Swift, and how you can use it to create apps that are easy to extend when you need to add new functionality. Along the way, you will also learn about the important concept of polymorphism and learn how to use Xcode's new playgrounds!
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text:
In honor of Earth Day, a modern environmental masterpiece: an inspirational look at former Vice President Al Gore's crusade to halt global warming by exposing the myths surrounding the issue and the costs of not responding to its dangers.
"An Inconvenient Truth" got rave reviews and became a smash hit, won the Academy Award® for Best Documentary and helped launch a rebirth of American environmentalism addressing climate change, a major challenge facing human civilization.
100 minutes -- Rated PG -- released 2005
This is a Green Stacks event.
Special programs in honor of Earth Day.
Upcoming Events
- Movie Afternoon
- Friday, March 27, 2015Ingleside, Ingleside Meeting Room
- Classic Films of the 1950's
- Saturday, March 28, 2015Noe Valley, Noe Valley Meeting Room
- Children's Film: Sleeping Beauty
- Saturday, March 28, 2015Western Addition, Western Addition Meeting Room


text:
Texas Lakes Waterfront Cabin Rentals(18)
18 Results
Recent Texas Lakes Reviews
Very cozy!!
Cabin was very cozy and clean. Property was secluded with enough area for the kids to play! Had a great time and would go back for sure!
It was a home away from home
The pictures do this property no justice. The location was simple to get to and it was just the right amount of privacy. I entered the home with ease through the keypad lock and it was beautifully decorated and super clean with just the right amount of charm. It literally came equipped with everything you need and even something's you may not know you need. We brought our own spices, but the kitchen came with everything from spices to a blender to foil and clear wrap. Both the bathrooms and bedrooms were a good size and the upstairs deck was large enough to relax and watch the stars. Because of the previous days worth of snow, we were unable to utilize the firepit or the fireplace on the porch but that didn't stop us from hanging outside and walking around the property, even jumping in mud puddles when the children weren't playing on the swing set. When we weren't outside, we were playing fuseball or having a Ping pong competition while the children utilized all the other games that came with the house. The entrance to the lake was not a far walk, plus there's trails that lead you everywhere on the property. I could go on and on about our mini vacation but I'll stop now and let you experience perfection for yourself. All in all we had a great time and are already planning our next visit in the warmer months. I would most definitely recommend this property to anyone looking to get away from the hustle and bustle of a busy life in the city.
Great Getaway
We wanted a place to getaway from the hustle and bustle without a long drive. Trinity Trails Ranch is that perfect place! Especially the time we selected: during the snow storm in DFW. We arrived before the storm and were enjoying hot chocolate and homemade cookies in the country watching the snow fall on the lake. The kids used the canoes and went finishing (almost ice fishing ha ha)and we took several walks and enjoyed the peaceful snow fallen scenery. Even though the temperature was freezing we had a blast. The cabin was so comfy that my daughter wanted to rent it to live in! Sean was extremely accommodating and we are returning for my sons 21st birthday party with ten of his closest friends! Awesome Experience. Caroline


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Book your room at Aguamarinha Pousada
Please enter your travel dates.
Pousada with an outdoor pool, in Ipojuca (Porto de Galinhas)
This pousada is located in Ipojuca (Porto de Galinhas), close to Merepe Beach, Maracaipe Beach, and Pontal de Maracaipe. Local attractions also include Maracaipe Natural Pool and Cupe Beach.
Property Features
A complimentary buffet breakfast is available. Aguamarinha Pousada also features complimentary wireless Internet access, laundry facilities, and free self parking.
Room Amenities
LED televisions come with cable channels. Guestrooms also feature complimentary wireless Internet access, air conditioning, and safes.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
Guests can enjoy a complimentary breakfast each morning. Public areas are equipped with complimentary high-speed wireless Internet access. For a surcharge, the property provides a roundtrip airport shuttle at scheduled times and an area shuttle. This Ipojuca pousada also offers an outdoor pool, a terrace, and tour/ticket assistance. Onsite self parking is complimentary.
- 24-hour front desk
- Airport transportation (surcharge)
- Total number of rooms - 25
- Number of floors - 2
- Free breakfast
- Beach/pool umbrellas
- Tours/ticket assistance
- Free WiFi
- Laundry facilities
- Garden
- Terrace
- Luggage storage
- Pool sun loungers
- Area shuttle (surcharge)
- Free self parking
- Outdoor pool
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi
Free self parking
Room Amenities
- Balcony
- Air conditioning
- Minibar
- Daily housekeeping
- Private bathroom
- Shower only
- In-room safe
- Cable TV service
- Free WiFi
- Blackout drapes/curtains
- Individually decorated
- Free cribs/infant beds
Where to Eat
A complimentary buffet breakfast is served each morning between 7:30 AM and 10 AM.
Nearby Things to Do
The recreational activities listed below are available either on site or nearby; fees may apply.
- Snorkeling nearby
- Windsurfing nearby
- Scuba diving nearby
Hotel Policies
Check-in time starts at 1 PM
Minimum check-in age is 18
Check-out time is noon
Payment types
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
Only service dogs are allowed
Service animals exempt from fees/restrictions
We should mention
Parents traveling with a child under 18 must present the child's birth certificate and photo ID (passport for foreign visitors) upon check-in. If only one parent or legal guardian is traveling with the child, that parent or legal guardian must also present a notarized consent of travel signed by both parents. Visitors who plan to travel with children should consult with a Brazilian consulate office prior to travel for further guidance. One child 5 years old or younger stays free when occupying the parent or guardian's room, using existing bedding.


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We created Pandora to put the Music Genome Project directly in your hands
It's a new kind of radio –
stations that play only music you like
Features of This Trackmidwest rap roots
r&b influences
basic rap roots
a knack for catchy hooks
straight beats
a repetitive song structure
the use of chordal patterning
subtle use of electric keys
use of electric pianos
electric guitars
a dry recording sound
lyrics by a rap icon
production by a famous producer
These are just a few of the hundreds of attributes cataloged for this track by the Music Genome Project.show more
Similar Tracks
Just stay true to you and always be yourself
Pllllzzzz cheer up we luv u shady :) !!!!


text: Share: Bean Dip Looking for recipes for bean dip? Taste of Home has the best bean dip recipes from real cooks like you, featuring reviews, ratings, how-to videos and tips. Recipe Spotlight Creamy Black Bean Dip "This appealing southwestern dip can be made well in advance. It goes well with tortilla chips and crackers, too," writes Ashley Donovan from Glasgow, Kentucky. View Creamy Black Bean Dip Recipe Sign up for Our Recipeof the Day Newsletter New recipes and fan favorites delivering daily inspiration! SIGN UP More Bean Dip Sort: Highest Rated Alphabetical Contest Winning Newest < prev | 1 | 2 | 3 | 4 | next > Championship Bean Dip Championship Bean Dip My friends and neighbors expect me to bring this irresistible dip to every gathering. When I arrive, they ask, "You brought your bean dip, didn't you?" If there are any leftovers, we use them to make bean and cheese burritos the next day. I've given out this recipe a hundred times. -Wendi Wavrin Law, Omaha, Nebraska View Recipe Warm Black Bean Dip Warm Black Bean Dip Cumin and chili powder pack plenty of zip into this chunky bean dip, which is served warm. It's a great make-ahead dish for any kind of party or get-together. —Lynda Cavanaugh, De Forest, Wisconsin View Recipe Cilantro Bean Dip Cilantro Bean Dip This chunky fresh-tasting dip, shared by Wendy Prevost of Cody, Wyoming, gets a little kick from hot pepper sauce. View Recipe Advertise with us ADVERTISEMENT Hot Bean Dip Hot Bean Dip My hearty dip is extra smooth, thanks to the cream cheese and sour cream I add. It's easy to assemble ahead and then bake before serving. People keep dipping until the dish is empty. View Recipe Chorizo Bean Dip Chorizo Bean Dip With its zesty Mexican flavors and tempting toppings, this dish is the first to empty on the appetizer table. I serve it with extra-thick tortilla chips for some serious scooping. View Recipe Bean Dip Bean Dip "This colorful, crowd-pleasing dip is full of flavor," remarks Darnele West of Lancaster, South Carolina. "A cousin made it for a family get-together, and we finished off every bite!" View Recipe Cheesy Bean Dip Cheesy Bean Dip Folks always seem to flock to the snack table when the lineup includes a warm cheesy dip. When my brother-in-law brought this dip to our house for a get-together, everyone asked for the recipe. He first tasted this delectable dip at a football party. We've made it many times—it's so popular.—Katrina Turner, West Chester, Ohio View Recipe Hot Bean and Cheese Dip Hot Bean and Cheese Dip This thick and tasty party-starter from Michelle Sawatzy of Isle, Minnesota takes advantage of prepared taco sauce and canned refried beans. View Recipe Quick White Bean Dip Quick White Bean Dip From Benton Harbor, Michigan, Katina Tanner sends a low-fat party starter. "This is a wonderful way o use fresh basil," she says. "Increase the amount of herbs if you like or replace the pita chips with crackers for variety." View Recipe Western Black Bean Dip Western Black Bean Dip This hearty bean dip is full of flavors from the Southwest. After one taste, you'll know how good it is and wonder how it can be good for you, too!—Pat Cassity, Boise, Idaho View Recipe Garlic Bean Dip Garlic Bean Dip "There isn't a bean that my family does not like, In fact, I serve one kind or another almost every day," writes Nancy Testin of Harrington, Delaware. "This is one of my favorite dips." View Recipe < prev | 1 | 2 | 3 | 4 | next > Advertise with us ADVERTISEMENT Advertise with us ADVERTISEMENT


text:
In His Presence
Upcoming IHP
28 Mar 2015
|The Believer's Birthright
|Rev Dr Jameson Yeo
Victor & Ian
YWCA Fort Canning Lodge (6 Fort Canning Road),
Level 3, Faith & Hope Rooms
Map Here (opens in a new tab)
Bless Nagrakata - Awesome!
SEED Thanksgiving Night & Dinner - 13 Sep 2014
Khuribari-Malbazar-Garo Hills Crusades - Woman Arise!
UAE - God's Ways Are Higher
Coming from the powerful crusades of miraculous healings and salvations in India, we had similar expectations. But it was not to be: GOD HAD HIGHER PURPOSES. You see, God used their jobs to draw these people away from their prohibitive family and social environments to this soil so that they could receive Jesus!
BLESS SILIGURI 2012: "Awesome" does not begin to describe it.. (5 to 7 Oct 2012)
"Definitely it was God's timing for Siliguri's harvest"; "The city felt the presence of God and His mighty power."; "He broke the chains of fear (that bound Christians)";
SEED Conference 2013 - 10 Years of God's Faithfulness
When SEED started in 2003, we were determined to do whatever the Lord called us to do for however long He called us to do it. We had no idea how long it would last or where it would take us.
This year, we celebrate SEED's 10th Anniversary with our Conference on the 6th and 7th of September at the Sophia Cooke Ballroom at YWCA Fort Canning. Register Here to come celebrate with us!
God Really "Wow-ed" us with...832 Recorded Salvations!
May 2012
Miracles Aplenty in Himalayas & India (5 to 30 Oct 2011)
"He turned my mourning into dancing..."
Over 25 days, a SEED team ministered in the Himalayas and North East India. We held crusades with over 60 salvations nightly, leadership training seminars, baptised new believers in frigid mountain waters, ministered to children, healed the sick and more!
God also showed us one of the fruits of our ministry the previous year (pictured on right).
PRAISE GOD for His MIRACULOUS HEALINGS!
Read the full report Here.
Allan dancing with the boy whom we prayed for and God healed last year!
SEED Conference 2011
In these days of unprecedented turmoil and unrest, natural disasters, economic meltdowns, political & social upheaval and human suffering are intensifying - as they must before Jesus comes again. Yet, how do we respond to (or even survive) these distressing prognoses? Good news: the Bible prophesied these evil days and provides us with the answers.
Come join us at SEED Conference 2011's PROPHETIC MEETINGS (9 & 10 Sep, 7pm) and two SEMINARS - "UNDERSTANDING ISRAEL" & "DISCERNING THE TIMES" (10 Sep, 9am), where you will be enlightened on wisely "REDEEMING THE TIME, for The Days Are Evil".


text:
Tracking the Marcia Bratley you are in search of is easy with USA-People-Search.com. We offer a comprehensive database of people search details, including age, recent addresses, and phone numbers. The latest address for Marcia Bratley is in Brooklyn, NY.
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text:
Ice Dams on Flat Roof
I have a flat roof with rolled roofing over an unheated and uninsulated sun room. Enough heat leaks into the sun room from the house that the snow melts and forms really bad ice dams. Those dams back up water all the way to the gable roof and caused some leaking last year.
I've considered a few options to help with the issue.
1) Roof cables - my problem here is that they normally attach to shingles. I don't know of any way to attach them with a rolled room. Does anyone have any ideas?
2) Add insulation to the ceiling. There is no attic, but there is about a 6-9" cavity in the ceiling. I guess I could cut holes and blow insulation.
3) Shoveling snow off the roof. This is a pain, but may be my only option.
Does anyone have any other ideas?
It's not clear to me how ice dams form on a flat roof. It must have some sort of pitch so a "dam" forms on the downslope side and prevents the water from runing off. Otherwise your problem is that a puddle forms in the low point in the center and leaks through (although I'd expect this to happen during/after significant rains also). Lastly your roof slopes back towards the main roof and leaks at the intersection.
If you have "dams" that are actually blocking runoff, one suggestion is to fill a nylon stocking with ice melt pellets and rest it across the dam. The ice melt will slowly eat its way through the dam to the base roof and let the runoff out.
If the sunroom below (and the cavity in the ceiling) is truly unheated then I can't see the insulation doing much for you. yopu actually want to vent that space so then underside is as cold as the top.
Shoveling the roof sounds like the best short term corrective action you could take. Sheet roofing on flat roofs is supposed to be tight enough to withstand some ponding, but there still needs to be some slope (using crickets) and a drain mechanism.
Pictures might add some clarification.
Hope that helps.
"It's not clear to me how ice dams form on a flat roof. "
Seen many times.
The snow does not melt over the entire roof all at the same time.
It melted snow then saturates the remaining snow and the whole mess can freeze.
When it warms up more, the frozen slush thaws but dams of ice remain and prevent drainage of the melted ice.
Increasing the pitch would probably help, but if you want/allow the room to be warmed (even by the sun) you should probably check how much insulation you have.


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Tech Lighting Torpedo Pendant
Tech Lighting Torpedo Pendant
Weights & Dimensions
|Product Type: Track pendant
|Style: Modern
|Finish: 1: Bronze
|Finish: 2: Chrome
|Finish: 3: Nickel
|Track Type: Monorail lighting
|Number of Lights: 1
|Shade Included: Yes
|Country of Manufacture: Imported
|Mounting Type (2 Circuit Monorail Mounting Type): Double or 2-Circuit
|Mounting Type (Kable Lite Mounting Type): Kable Lite
|Mounting Type (Monorail Mounting Type): Monorail
|Product Warranty: 1 year
|ETL Certified: Yes
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Tech Lighting Torpedo Pendant
About the ManufacturerTech Lighting started small – by manufacturing Kable Lite way back in 1988. Since then, they have added eleven complete systems, and launched two new brands to help service your lighting needs. The goal – build a company offering products and services based on timeless design, precision engineering and trust. Tech Lighting's sense of design and aesthetics led them to begin integrating beautiful, handcrafted Murano Glass into the most complete collection of line and low-voltage lighting systems in the world. This is where function and beauty intersect to produce lighting of undeniable attraction. Along the way they have received numerous design awards, including the 1988 Edwin F. Guth Memorial Lighting Design Award of Excellence and two Lightfair Design Excellence Awards.
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OUR SKU # TLG2329Torpedo Pendant is also sometimes listed under the following manufacturer numbers: 700KTRPNC, 700KTRPNS, 700KTRPNZ, 700MO2TRPNC, 700MO2TRPNS, 700MO2TRPNZ, 700MOTRPNC, 700MOTRPNS, 700MOTRPNZ


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Downtown McMinnville
Oregon's Favorite Main Street
The McMinnville Downtown Association is completing a historic resources survey for the downtown historic district. If you are interested in volunteering or have any historic photos, documents or information that might be of use please email email@example.com or call 503.472.3605
<< Back to History of McMinnville
Feb 17, 2012
Gerald and Margaret Legard are planning to restore McMinnville's Buchanan Cellers building — focal point of the city's Granary District and in turn of its Northeast Gateway renewal project — to the look it had in 1949.
Constructed in 1888 as the Barnekoff and Allyn Flouring Mill, it has won a place on the National Register of Historic Places. It joins McMinnville's Historic Downtown District and Linfield's Pioneer Hall.
Read the full article HERE: By Molly Walker of the News Register
The McMinnville Downtown Association works to promote and enhance our historic downtown as the economic, social and cultural heart of the community.


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Floor Plans and Pricing
2 Bedrooms
|Two Bedroom Two Bath
|$575 - $595
|2 Bathrooms
|1000 Sq. Ft.
Property Features
- Property Overview
- Special Features
- Community Features
- Apartment Amenities
- Local Schools
- Pet Policy
Carrollton Pointe Apartments in West Carrollton, OH
Our panoramic view, spacious apartment homes & superb value are just a few of the reasons you will fall in love with Carrollton Pointe. Nestled in a quiet residential neighborhood with award-winning schools, we are located near the Dayton Mall & only minutes from the new shopping & entertainment center, Austin Landing. Large living areas & abundant closet space, cost-saving total electric homes & professional, courteous management & maintenance team are why our residents are proud to call Carrollton Pointe home. To experience the lifestyle of Carrollton Pointe, visit us at the "Top of the World" and enjoy the breathtaking views of the city or Cox Arboretum. Welcome Home!
Special Features
- Pool & Sundeck
- Washer/Dryer Connections*
- Covered Parking Available
- 24-hour Clothes Care Center
- 1000 sq. ft. 2 Bedroom/2 Bath
- Central Air
- Walk-in Closets
- Newer Appliances & Flooring
- Spectacular Views
- Energy Efficient Total-Electric Homes
- Pet Friendly
- *select apartment homes
Community Features
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- Covered Lot
- Freeway Access
- Laundry Facility
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Additional Information
Apartments in Community: 96
Apartment Amenities
- Air Conditioning
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- Furnished Available
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- Window Covering
Local Schools
- West Carrollton High 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
Pet Friendly. Please call for details.
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Welcome home to Carrollton Pointe Apartments, for rent in West Carrollton. Our community is located in a quiet residential neighborhood with award-winning schools, convenient to the Dayton Mall, I-75, I-675, the new Austin Landing entertainment district, Cox Arboretum Metro Park, downtown Dayton & surrounding suburbs of Miamisburg, Centerville & Springboro. Our 2 bedroom apartments offer walk-in closets, central air, newer appliances, washer/dryer connections & spectacular city or park views.
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.
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In which we reveal the favourite records, concerts, and grocery items of interesting Vancouverites.
The debut bill features Gord Grdina's Haram, the marimba-based Kutapira, Tambura Rasa, and Locarno.
After a low-key switchover in mid-February, the Roxy is ready to celebrate its change in format.
The Strong Sessions Live concert features musicians from the Vancouver Adapted Music Society in collaboration with the more established performers.
It's no wonder that Belle and Sebastian is held so dear by its fans.


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Farm Call: Your Questions Answered
Antsy About Urinating
May 12, 2014
Q. My horse is a 6-year-old off-the-track Thoroughbred who raced until he was 3 years old. Whenever he has to pee, he gets very nervous and dances around. Is there any reason why this happens, and could it be linked to his time on the track?
Mare Expelled
May 05, 2014
Q. My gelding decided to put an older mare out of the herd. He will not let her anywhere close to the other horses. Have you heard of this, and is there anything I can do to get them all happily together again?
Cryptorchid Confusion
April 28, 2014
Q. The horse I'm interested in buying is a cryptorchid. I really like the horse--should I not consider buying him?
What to do if a Horse's Microchip Company is out of Business
April 21, 2014
Q. I had my horses implanted with a microchip years ago. Recently, I attempted to change my contact information only to find out the website no longer existed. I obviously need to register my horses at a new site. What are my options?
Blue-Eyed Blues
April 14, 2014
Q. I recently purchased a Paint horse with a bald face with two blue eyes and pink skin around his eyes. Are horses with blue eyes more sensitive to light or more prone to eye disorders than other horses?
Corn Consumption
April 07, 2014
Q. My horses got into a pasture yesterday where deer corn had been spread, and they ate some of it. Then, last night, they didn't want to eat anything. What is the deer corn going to do to them?
Deworming: Less is More
March 31, 2014
Q. Last spring my veterinarian requested her clients stop deworming their horses. We now do no deworming and have her perform two fecal egg counts per year--one in the spring and one in the fall. Is this program of not deworming okay for my horses?
Swelling in the Girth Area
March 24, 2014
Q. What is causing my horse to swell in the area his girth sits?
Cellulitis Treatment and Prevention in Horses
March 17, 2014
Q. My gelding had a really bad bout of cellulitis last summer, and we almost lost him to the disease. I've heard there is a greater chance he will get it again in the future. What are some possible preventative measures I can take to protect my horse?
Why a Veterinarian Should Vaccinate Your Horse
March 10, 2014
Q. Why can't we give our horses their vaccines ourselves? My barn friend said my shots won't count if I give them myself.
Abnormal Regurgitation
March 03, 2014
Q. What might cause my mare to regurgitate her grain?
Heat in a Compensating Limb
February 24, 2014
Q. I have an off-the-track Thoroughbred I purchased with a mild suspensory strain. His hock on the affected leg is always warm compared his other hock and knees. Could this mean he's compensating for the suspensory injury?
Blanketing's Impact on Horses' Winter Hair Coats
February 17, 2014
Q. I was only planning on blanketing when the temperature drops under 20 degrees Fahrenheit and in extreme weather. Will this compromise my horse's winter coat enough that I would need to blanket more?
Free-Feeding a Large Group of Horses
February 10, 2014
Q. Does feeding a large amount of good quality hay to a group of horses on winter pasture covered in snow affect the animals' digestion and health?
Blood Testing Healthy Horses
January 20, 2014
Q. Should routine blood tests be used to assess a horse's health as part of a prepurchase exam?
Club Foot Heritability
January 06, 2014
Q. The farm I work at has a mare with a club foot. Her mother did not have a club foot, but I am told her sister and her yearling colt did. Is club foot an inherited condition?
Horse Head Tossing and Teeth
December 30, 2013
Q. My mare throws her head up repeatedly when we ride her. She is in great health and has her teeth done by a certified equine dentist yearly. I do not want to put a tie-down on her, because that doesn't solve the problem. What suggestions do you have?
Possible Reasons Why Horses Eat Dirt
December 23, 2013
Q. My horses eat dirt, even with mineral and salt blocks available to them. I also give them vitamins and digestive enzymes. Why do they do this?
Joint Injections: Prevention or Treatment?
December 16, 2013
Q. Are joint injections meant to be used on a routine basis to prevent lameness, or as a therapeutic remedy for an existing problem? In either case, how often is too often?
Feeding Young Horses Alfalfa
December 09, 2013
Q. I recently started feeding my ulcer-prone performance horse a small portion of alfalfa hay for gut health. I often turn my growing 3-year-old out with him. Is it okay for my youngster to get alfalfa as well?
Feeding a Senior Hinny
December 02, 2013
Q. I have a 30-year-old hinny who is very skinny and is losing weight. Is there anything that I could give him to make him more comfortable, help him gain weight, and not cause him harm?
Why Can I See the Whites of My Horse's Eyes?
November 25, 2013
Q. Why can I see the whites of my horse's eyes all the time, even when he's relaxed? He is a chestnut Appendix Quarter Horse gelding.
Obsessed with Salt
November 18, 2013
Q. My new 2-year-old filly is obsessively licking and biting her salt block. Does this suggest there's a problem with her diet or health, and can she hurt herself by consuming too much salt?
Joint Injections
November 11, 2013
Q. My veterinarian recently started injecting my 24-year-old Appendix Quarter Horse's joints. When injecting multiple joints (for example, both the left and right hock), is it unusual for one joint to show more improvement than the other?
Riding on the Road
November 04, 2013
Q. I have a young horse just being started in harness for carriage driving. She has only done light work in harness on the roads. What can I shoe her with that will provide her with some protection for the concussion?


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[artist id="2583152″]Flo Rida's[/artist] got another one! The MC jokes about people calling him a one-hit wonder, but with the start he's gotten with his new single "Right Round," it doesn't seem like that's a problem anymore. His song just beat the record set by [artist id="860639″]50 Cent[/artist], [artist id="502642″]Eminem[/artist] and [artist id="1061″]Dr. Dre[/artist] with "Crack a Bottle" for highest debut on the digital-single sales chart. "Right Round" also has the highest digital sales of any single in one week, a record previously held by Flo's own Grammy-nominated monster, "Low."
"It's crazy, because people feel like you get lucky the first time you do something like that. But the second time? You know you're blessed," he told MTV News. "I'm humbled enough to say I'm a fan of [50 Cent, Eminem and Dr. Dre]. I'm inspired by those guys. But at the same time, at some point in time you have to do better in some categories, if not every category."
"Right Round" samples Dead or Alive's 1985 dance classic "You Spin Me Round (Like a Record)," which [artist id="1245169″]Jessica Simpson [/artist] and [artist id="1234″]Marilyn Manson[/artist] have also covered. Flo Rida has put his own, er, spin on the song's lyrics.
" 'Right Round' is about a young lady, she might be in the strip club and she's got my head spinning round," Rida explained. "Or any young lady that I might see walking past me that's getting my attention. She got it going on! I'm going crazy over her. I might go to the club and make it rain … in the club on her because she got it going on."
Flo Rida says to look for a mix of party and message records on his new LP, R.O.O.T.S. (Route of Overcoming the Struggle), which is due out on March 31. [artist id="2002414″]Ne-Yo[/artist] and [artist id="2000082″]Rick Ross [/artist] are among the guest stars.
Look for Flo Rida next week in Mixtape Monday. He'll be performing and explaining records from his latest street CD, Freestyle Kronikles 3.


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Nanking Cherries How Close to Well
I am putting in a fence around my yard (cedar posts/welded wire) and wanted to plant a nanking cherry hedge along the outside of it partially for a privacy barrier. There is a well head 7 feet out from the fence line. If I were to plant along the outside of the fence, the hedge would have to go between the fence and the well. To close? I am wondering what is the minimum distance I can plant a nanking cherry to the well. Also, how far from the fence should I plant them? Perhaps I will have to have the hedge on the inside of the fence? Or abandon the idea of a hedge altogether and plant a rose vine that will climb the fence in the area adjacent to the well... but would the rose be to close to the well too?
Hi Drmbear,
Thank you for your reply. It's good to know that about the width. Let's say my hedge is four feet wide, then I would want a two foot space from the fence, so the bushes would be planted about 5 feet from the well head. I am actually not worried about the bush growing out, main concern is the roots doing damage to the well. I'm trying to get an idea of how far the roots will explore.


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Subernoa 2
from £28 /night help
Estimated nightly price based on a weekly stay. Contact the advertiser to confirm the total cost.
Availability Your dates are available
Apartment | 2 bedrooms | sleeps 6
|Key Info
Modern apartment. Located on No. 2 floor, without elevator, in complex, nicely furnished. Living room giving onto terrace with double sofa bed. Open-plan kitchen with hotplates. 1 bedroom with double bed. 1 bedroom with bunk beds.
|Sleeps up to 6, 2 bedrooms
|Will consider
|Long term lets (over 1 month)
|Car essential
|Family friendly
|Great for children of all ages
|Pets welcome, Yes, smoking allowed
Features and Facilities
|Central heating, TV
|Dishwasher, Microwave, Freezer, Washing machine
|2 bedrooms, 1 bathrooms of which 1 Family bathrooms
|Double beds (1), Single beds (2), Cots (3), Lounge seats for 6
|Balcony or terrace
|Further details outdoors
Small building in quiet neighbourhood. Car recommended. Private outdoor parking.
About this location
The Basque Country region
About the owner
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March 9, 2015
Monday's Adjudication Roundup
- Shareholders of Deutsche Bank petitioned for cert to the U.S. Supreme Court to clarify the standard for a claim for pleading a fraudulent claim under Section 11 of the Securities Act of 1933 following the Second Circuit tossing their suit in July 2014.
- 10th Circuit revives National Credit Union Administration's $550 million suit against Barclays for misrepresentation of the quality of over $555 million in RMBS.
- First wave of Hurricane Sandy cases settle with FEMA and insurers over the improper cutting of the homeowners' payouts following the storm.
March 9, 2015 | Permalink | No Comments
March 6, 2015
The Community Reinvestment Act: Guilty of What?
Ray Brescia recently posted the final version of The Community Reinvestment Act: Guilty, but not as Charged to SSRN. The article wades into a seemingly technical debate that has extraordinary political and ideological implications: did misguided liberal policies push financial institutions to engage in the risky lending practices that led to the financial crisis. I never gave this argument much credit because the supposed chain of causation seemed too attenuated to me. Nonetheless, the debate has had legs among some policy analysts. The article generally agrees with my own — admittedly impressionistic — views of the matter. It also argues that the CRA needs to be modernized to reflect how mortgage credit is extended in the 21st century. The abstract reads,
Since its passage in 1977, the Community Reinvestment Act (CRA) has charged federal bank regulators with "encourag[ing]" certain financial institutions "to help meet the credit needs of the local communities in which they are chartered consistent with safe and sound" banking practices. Even before the CRA became law – and ever since – it has become a flashpoint. Depending on your perspective, this simple and somewhat soft directive has led some to charge that it imposes unfair burdens on financial institutions and helped to fuel the subprime mortgage crisis of 2007 and the financial crisis that followed. According to this argument, the CRA forced banks to make risky loans to less-than creditworthy borrowers. Others defend the CRA, arguing that it had little to do with the riskiest subprime lending at the heart of the crisis.
Research into the relationship between the mortgage crisis and the CRA generally vindicates those in the camp that believe the CRA had little to do with the risky lending that fueled these crises. At the same time, recent research by the National Bureau of Economic Research attempts to show that the CRA led to riskier lending, particularly in the period 2004-2006, when the mortgage market was overheated.
This paper reviews this and other existing research on the subject of the impact of the CRA on subprime lending to assess the role the CRA played in the mortgage crisis of 2007 and the financial crisis that followed. This paper also takes the analysis a step further, and asks what role the CRA played in failing to prevent these crises, particularly their impact on low- and moderate-income communities: i.e., the very communities the law was designed to protect. Based on a review of the best existing evidence, the initial verdict of not guilty – that the CRA did not cause the financial crisis, as some argue – still holds up on appeal. At the same time, as more fully described in this piece, an appreciation for the weaknesses inherent in the law's structure, when combined with an understanding of the manner in which it was enforced by regulators, lead one to a different conclusion; although the CRA did not cause the crisis, it failed to prevent the very harms it was designed to prevent from befalling the very communities it is supposed to protect.
The defects in the CRA that emerge from this review, in total, suggest not that the CRA was too strong, but, rather, too weak. They also point to important reforms that should be put in place to strengthen and fine-tune the CRA to ensure that it can meet its important goal: ensuring that financial institutions meet the needs of low- and moderate-income communities, communities for which access to capital and banking services on fair terms is a necessary condition for economic development, let alone economic survival. Such reforms could include expanding the scope of the CRA to cover more financial institutions, creating a private right of action that would grant private and public litigants an opportunity to enforce the law through the courts, and having regulators enforce the CRA in such a way that will put more pressure on banks to modify more underwater mortgages.
I doubt that this article will be the final word on this topic, both because the existing empirical work seems inconclusive and also because the topic is one that has important ideological implications for the right and the left ('government caused the financial crisis' versus 'corporate greed run amok caused the crisis'). Nonetheless, this article provides a thorough critique of one of the leading empirical studies of the topic.
March 6, 2015 | Permalink | No Comments
Friday's Government Reports Round-up
- Budgetary Impact of Major Federal Programs that Guarantee Mortgages—Congressional Budget Office's January 2015 Baseline
- California Assembly Democrat's Proposal to Create More Affordable Housing in California
- Dr. Michael Stegman, Counselor to the Treasury Secretary for Housing Finance Policy, Remarks before the Third Annual Goldman Sachs's Housing Finance Conference
- Fannie Mae: Housing Forecast February 2015
March 6, 2015 | Permalink | No Comments
March 5, 2015
Housing and Vacancies in NYC
New York City's Department of Housing Preservation and Development (HPD) has released its initial findings of its 2014 Housing and Vacancy Survey. There are some interesting findings about the housing stock, particularly for those of us who follow the NYC housing markets closely:
- There were 1,030,000 rent-stabilized units, which amounted to 47 percent of the housing stock.
- There were 27,000 rent controlled units, which amounted to 1.2 percent of the housing stock.
- The city-wide homeownership rate was 32.5 percent, although the rate varied significantly among the boroughs.
- The rental vacancy rate was 3.45 percent.
- There were 55,000 vacant units that were unavailable because of occasional, seasonal or recreational use.
- The median annual income for all households (renters and owners) was $48,040. The median annual income for renter households was $38,500 and for homeowner households was $75,000.
- The median contract rent-income ratio was 31.2 percent.
There were also some interesting findings about housing and neighborhood conditions:
- "In 2014, housing and neighborhood conditions in the CIty were good." (8)
- "The proportion of renter-occupied units with five or more of the seven maintenance deficiencies measured by the 2014 HVS remain extremely low; only 4.3 percent" (8)
- "The proportion of renter households that rated the quality of neighborhood residential structures as "good" or "excellent" was very high: 71.7 percent" (8)
Crowding remains a problem in the City, a finding that is unsurprising to all who are familiar with this housing market. The proportion of renter households that were crowded was 12.2 percent.
These numbers should inform numerous debates about housing in NYC, including those relating to rent regulation, foreign ownership of apartments and affordable housing goals, to name a few. It is important that these debates be data driven if we are to arrive at policy choices that are good for New Yorkers and good for the long term health of NYC itself. The whole document is worth a read for those who care about the City's housing market and its impact on the overall health of the City.
March 5, 2015 | Permalink | No Comments
March 4, 2015
Wells Fargo Smackdown
Circuit Judge Elliott of Missouri Circuit Court issued a Judgment in Holm v. Wells Fargo et al. (No. 08CN-CV00944 Jan. 26, 2015) that awarded nearly three million dollars in punitive damages. This is just one of a number of searing judicial opinions that I've discussed on the blog. The Court found that
Wells Fargo and its agents expended immeasurable, if not incomprehensible, time and effort to avert reinstatement. The result of Wells Fargo's egregious conduct was to impose approximately six and one-half years of uncertainty, lost optimism, emotional distress, and paralysis of Plaintiffs' family.
The evidence established that Wells Fargo's intentional choice to foreclose arose from its own financial incentives. Dr. Kurt Krueger testified that Wells Fargo had financial incentives to seek reimbursement of its fees at a foreclosure sale. This economic motivation collided with the well-being of David and Crystal Holm, and was clearly contrary to the interests of Freddie Mac. In other words, in this case, a powerful financial company exerted its will over a financially distressed family in Clinton County, Missouri. The result is predictable. Plaintiffs were severely damaged; Wells Fargo took its money and moved on, with complete disregard to the human damage left in its wake.
Defendant Wells Fargo is an experienced servicer of home loans. Wells Fargo knew that its decision to foreclose after reinstatement was accepted would inflict a devastating injury on the Holm family. Wells Fargo's actions were knowing, intentional, and injurious. (7)
It is not certain that this judgment will be held up on appeal. If it is, it is still worth asking whether the occasional verdict of this magnitude is sufficient to change the behavior of servicers. There have been many efforts to change the incentives that servicers have, but cases such as these make one wonder if there is some deeper problem that has not yet been identified and addressed. One cannot imagine how Wells Fargo employees could have let this go on for so long in this case. But they did.
March 4, 2015 | Permalink | No Comments
Wednesday's Academic Roundup
- American Dream in Flux: The Endangered Right to Lease a Home, by Andrea J. Boyack, Real Property, Trust and Estate Law Journal, Vol. 49, No. 2, 2014.
- A Guide to New York State Commercial Landlord-Tenant Law and Procedure, by Gerald Lebovits & Michael B. Terk, 87 N.Y. St. B.J. 22, February 2015.
- Super-Liens to the Rescue? A Case Against Special Districts in Real Estate Finance, by Christopher K. Odinet, Washington and Lee Law Review, Vol. 72, 2015. (Discussing availability of creditors willing to "make real estate-backed loans in special district areas").
How to Make America Walkable, by Michael Lewyn, 42 Real Est. L.J. 512 & Touro Law Center Legal Studies Research Paper. (Discussing the necessity to make cities walkable, and thus more accessible, in areas where public transportation is lacking).
Unemployment as an Adverse Trigger Event for Mortgage Default, by Chao Yue Tian, Roberto Quercia, & Sarah F. Riley, Journal of Real Estate Finance and Economics, Forthcoming.
March 4, 2015 | Permalink | No Comments


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