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It is a myth that lawyers have magical power to reverse a foreclosure sale by making a phone call to the lender. Foreclosure is the most powerful and final remedy contained in the Texas Property Code, and undoing a foreclosure is not an easy thing to do. It is far easier to stop a pending foreclosure sale than it is to undo one that has already occurred.
In particular, if the property has been sold to third-party buyer (i.e., not the lender – a bona fide purchaser or "BFP" who was the highest bidder at the sale) then the former homeowner´s remedy will usually be limited to monetary damages – not getting the property back. The law views a BFP – a third-party buyer who followed the rules of sale without actual or constructive notice that there was an issue with the foreclosure – as being entitled to a level of protection superior to that of an allegedly aggrieved borrower.
The cruel fact for borrowers is that wrongful foreclosure suits face an uphill climb from the beginning. The very first question that a district judge will ask in a wrongful foreclosure suit is: Why didn´t you file suit and apply for a TRO to stop the foreclosure in the first place? Is that fair? You decide. It is, however, undoubtedly the bias of Texas judges – whether you like it or not. If you want the judge on your side, the plaintiff should be prepared with a good answer to that question. Here´s a clue as to what is not a good answer: "Well, I called the lender and they didn´t call me back." For better or for worse, a fundamental rule of real estate law in Texas is that important agreements affecting real property must be in a signed writing. Phone calls mean nothing in this business. Even emails are of dubious utility unless they clearly evidence an agreement between the parties.
Clients often report that they were engaged in prolonged negotiations to modify their existing loan prior to the foreclosure sale. Of course, these communications are almost always conducted by phone and there is no signed written agreement binding the lender to stop the foreclosure. Unfortunately, phone calls have no legal effect in this business and, in the absence of a signed reinstatement agreement, pending modification negotiations are not grounds for a wrongful foreclosure suit.
Do lenders pursue this strategy intentionally, so as to make it appear that they are willing to be reasonable, when in fact it is in their interest to foreclose instead? Opinions vary.
Maybe, if the lender was the buyer at the foreclosure sale. However, as noted above, a post-sale wrongful foreclosure suit will not usually result in getting the property back if it was sold to a BFP. Having said that, there are two instances where Texas borrowers have a "right of redemption:"
(1) in cases where the property was sold for unpaid taxes, there is a 2 year redemption period for homestead property and 6 months for non-homestead property; and
(2) if a homeowners association forecloses an assessment lien, Prop. Code Sec. 209.011 provides that the homeowner may redeem the property until no "later than the 180th day after the date the association mails written notice of the sale to the owner and the lienholder under Sec. 209.101." A lienholder also has a right of redemption in these circumstances "before 90 days after the date the association mails written notice . . . and only if the lot owner has not previously redeemed." Note that an HOA is not permitted to foreclose on a homeowner if its lien is solely for fines assessed by the association or attorney´s fees. These provisions are part of the Texas Residential Property Owners Protection Act designed to reign in the once (and continuing) arbitrary power of HOA´s (Chapter 209 of the Code).
Even if the property is not recoverable, it may be worthwhile to seek a money judgment against the lender – particularly if some sort of fraud can be proven, which would open the door to exemplary (treble) damages plus attorney´s fees. A wrongful foreclosure suit should be filed in the state district court of the county in which the property is located.
The suit should be filed quickly so that notice of the suit (called a "notice of lis pendens") can be filed in the real property records, giving constructive notice of the dispute to all concerned. Why is this necessary? Because the real property records are separate from the district court records – indeed, they are on a separate computer and different rules apply.
If the buyer has not already received a trustee´s deed, the borrower should request that the court enjoin the lender from delivering such a deed until the litigation is resolved.
If the lender was the successful bidder, a properly filed lis pendens may effectively prevent the lender from transferring the property to a BFP. The reason is that the existence of a filed lis pendens means that the potential buyer can no longer have the status of a BFP under the law – because notice of the suit has legally been given. Swift and expert action is required here to trap the property in the hands of the lender and keep it there until the lawsuit can determine the validity of the foreclosure.
There must be some credible grounds for a wrongful foreclosure suit. These are examples taken from recent petitions:
Plaintiff asserts that the subject foreclosure was wrongful in that proper notice of default and right to cure was not given as required by Texas Property Code Sec. 51.002. There was a defect in the foreclosure notices sent by Defendant as follows: [insert specifics]
Plaintiff asserts that the subject foreclosure was wrongful in that it was not conducted in accordance with Texas Property Code Sec. 51.002 and/or the Deed of Trust. There was a defect in the foreclosure sale as follows: [insert specifics].
Defendant made a self-serving bid for the Property at the foreclosure sale which was artificially and fraudulently low and unrelated to market value, having been calculated with the intent of minimizing the Property acquisition cost and maximizing the amount of any alleged deficiency.
Plaintiff asserts that the subject foreclosure was wrongful in that Defendant is not the owner and holder of the subject indebtedness and cannot produce documentation that it is the legal owner and holder of the note. Plaintiff further asserts that affidavits and/or other key foreclosure documents were fraudulently signed by lender or lender's agents without personal knowledge.
Plaintiff asserts that the subject foreclosure was wrongful in that Plaintiff was not in default under the Loan Documents.
You read that last one correctly. Some borrowers have been foreclosed upon when they were not in default – and they can prove it, since their payments were automatically debited electronically!
Based on this firm´s experience, a plaintiff can realistically expect the following in a wrongful foreclosure lawsuit:
Lack of adequate and proper notice is probably the most common basis for a wrongful foreclosure suit. What foreclosure notices are required? The answer to this question often involves placing the deed of trust side-by-side with the Property Code in order to determine what specific requirements exist. Usually, two certified mail notices to the borrower are required, the first being a "Notice of Default and Intent to Accelerate" which gives formal notice of the default and affords an opportunity for the borrower to cure it (a minimum of 20 days for a Texas homestead). If the deed of trust is on the FNMA form, 30 days´ notice must be given.
The second required notice is a notice of acceleration – basically stating that the debtor failed to timely cure the default, and therefore the note is declared to be immediately due and payable. It is common for lawyers to include in this second letter a Notice of Trustee´s Sale which states the time and place of the anticipated sale – which must be at least 21 days before the anticipated sale.
Lenders are required to send notices to the last known address of the borrower that the lender has in its file.
For more detail, see our companion article The Foreclosure Process in Texas.
As to the foreclosure sale itself, these are governed by Sec. 51.002 et seq. of the Texas Property Code and are held on the first Tuesday of each month between the hours of 10:00 a.m. and 4:00 p.m. at the courthouse of the county in which the property is located. There is no required "script" that must be read by the trustee, but certain minimum formalities must be observed for a valid sale. The trustee may set certain rules for payment of bids but must do so before the sale commences.
Note that the sale must have taken place during the three-hour time period stated in the notice of foreclosure. See our companion article on The Foreclosure Process in Texas.
There is actually no requirement that the sales price be fair. A sale cannot be set aside because the consideration paid is allegedly inadequate because it is less than market value (Sauceda v. GMAC Mortg. Corp., 268 S.W.3d 135, 139 [Tex. App. – Corpus Christi 2008, no pet.]). To prevail in a suit based on inadequate sale price, three elements must be proven: (1) grossly inadequate consideration; (2) defective foreclosure notices or sale; and (3) a causal connection between the defect and the inadequate consideration. The bottom line is that if the notices and sale were correctly done, then the sale will be valid even though the sales price was lower than market value.
So what can the borrower do if the lender bid an artificially low price and took the property? Consider an action under Prop. Code Sec. 51.004 which provides that a borrower "may bring an action in the district court in the county in which the real property is located for a determination of the fair market value of the real property as of the date of the foreclosure sale." This relates to one of the causes of action given as an example above. If the court finds that the fair market value is greater than the sale price, then the borrower is entitled to an offset against any deficiency claimed by the lender. Why is this important? Firstly and obviously, it reduces the amount of the deficiency judgment; and secondly, it may reduce the amount of "deemed income" for which the IRS might send the borrower a bill (if the property was not homestead).
Alleging that the lender´s file is defective is now a popular cause of action, particularly after the recent media coverage of the extent of defects in lenders´ files nationwide. We always add this cause of action. Why? You never know when the lender might have a defective (incomplete) or even missing file! The plaintiff should include Requests for Production along with the Original Petition demanding that relevant documentation be produced.
After foreclosure, the new owner of the property (who may or may not be the lender) can be expected to promptly initiate eviction (forcible detainer) proceedings in the Justice Court precinct where the property is located. One was formerly able to ask the District Court to enjoin (stop) the eviction process by means of a temporary restraining order; unfortunately, the law has changed, and this is no longer the case. A borrower in these circumstances can expect that the eviction process will go forward, notwithstanding that a wrongful foreclosure case is pending in District Court. The borrower should make preparations to move.
Evictions can be prolonged by an appeal from Justice Court to County Court, which results in the court´s file being sent downtown where it will be assigned a new case number and the process will start over. For more information, see our companion article Evictions in Texas.
In cases where the borrower is allowed to remain in the property pending outcome of the District Court case, the borrower should expect to continue to make payments, perhaps into the District Clerk´s Trust Fund. After all, no one gets to live for free.
Any District Court lawsuit involving injunctive relief is an expensive undertaking, and that includes suits for wrongful foreclosure. While it may (but not always) be possible to recover fees and costs against a lender, a borrower must be prepared to pay an initial retainer in the range of $5,000 plus costs of $500. As a rule, lawyers will be reluctant to take this sort of case on a contingency, particularly if the relief sought by the client is the recovery of the property rather than monetary damages.
If in doubt about whether or not a foreclosure is going to occur, file suit and get a temporary restraining order to stop it. "Wait and see" is the worst possible strategy, since it is always more difficult to remedy the situation after a foreclosure sale has occurred. However, if the sale has already occurred, all hope is not lost. If the foreclosure was truly wrongful, monetary damages may be available, even if the property itself cannot be recovered.
Information in this article is proved for general informational and educational purposes only and is not offered as legal advice upon which anyone may rely. The law changes. Legal counsel relating to your individual needs and circumstances is advisable before taking any action that has legal consequences. Consult your tax advisor as well. Although we will respect your confidentiality, this firm does not represent you unless and until it is retained and agrees in writing to do so.
Copyright © 2013 by David J. Willis. All rights reserved worldwide. David J. Willis is board certified in both residential and commercial real estate law by the Texas Board of Legal Specialization. More information is available at his websites, http://www.LoneStarLandLaw.com, http://www.TexasSeriesLLC.com, and http://www.TexasAssetProtection.com.


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income account in a sentence
Example sentences for income account
Your unit income account will be paid to your designated beneficiary.
For small credits or outstanding checks, it is as easy to transfer them to a liability account as an income account.
Ralphs also transferred these amounts into a grocery income account.
In rare instances, a retirement income account may be a defined benefit plan.
In neither year did the income account show these profits.
Retained income accounts form the connecting link between the income account and the equity section of the balance sheet.
Said cost of living increase shall be funded from the investment income account of the system.
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subset: commoncrawl


text:
The following is an archive of a post made to our
'vox-tech mailing list'
by one of its subscribers.
Thanks, I'll hold on to your email address. Micah may have answered my
question, but I don't want to exhaust any one person with questions :)
----- Original Message -----
From: "Darrick Servis" <email@example.com>
To: <email@example.com>
Sent: Tuesday, May 20, 2003 12:30 PM
Subject: Re: [vox-tech] Does anyone use mod-perl?
I have some moderate experience with it and have fought through some of the
more basic pitfalls.
-- Darrick
On Tuesday 20 May 2003 06:37 am, Jay Strauss wrote:
> Hi,
> Is anyone on this list using/used mod_perl and is something more
> experienced than a beginner? I'd like to ask a couple of questions
> [offline]. I've tried using the email@example.com mailing list, but
> my questions are going unanswered (maybe they are too basic and no one
> wants to answer, I don't know)
> Thanks Jay
vox-tech mailing list
vox-tech mailing list
Hosting provided by:
Sunset Systems
Sunset Systems offers preconfigured Linux
systems, remote system administration and
custom software development.
LUGOD: Linux Users' Group of Davis
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"Linux" is a trademark of Linus Torvalds.


text:
WMNF: The Blog
Unarmed Iraq War Vet Confronts NY Police Officers ; Challenges Them To Defend Democracy
Rob Lorei about over 3 years ago
http://www.youtube.com/watch?v=WmEHcOc0Sys&feature=player_embedded#!read this post
Do Our Leaders Practice What They Preach?
Rob Lorei about over 3 years ago
They called for leaders in Libya, Syria and Egypt to protect the rights of peaceful protestors. And in the US how did they respond?
http://www.youtube.com/watch?v=RGRXCgMdz9A&feature=relatedread this post
WMNF's 99 percenter long-sleeved t-shirt
Sean Kinane about over 3 years ago
WMNF's 99 percenter long-sleeved t-shirt
Check out the front and back of the long-sleeved t-shirt hereread this post
Republican state Representative files bill to allow execution by firing squad
Sean Kinane about over 3 years ago
Florida Republican State Representative Brad Drake filed a bill this mo...read this post
Gaslight Park is not barricaded
Sean Kinane about almost 4 years ago
Last night Occupy Tampa sent out a press release saying
read this post
"This evening, the Tampa Police Department barricaded a three-block diameter around Lykes Gaslight Park, where the Tampa Bay Gene...
- 2015
- 2014
- 2013
- 2012
- 2011
- 2010
- 2009
- 2008
- 2007
- 2006


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October 19, 2007
Secretary of State Sam Reed to Present Lecture Nov. 1 at Whitworth University
What: A lecture by Washington Secretary of State Sam Reed
When: Thursday, Nov. 1, at 7 p.m.
Where: Robinson Teaching Theatre in Weyerhaeuser Hall at Whitworth University
Cost: Admission is free. For more information, please call (509) 777-4263.
During his presentation Reed, the Republican incumbent candidate for secretary of state, will discuss his position and how it has played a significant role in tightly contended races such as the Christine Gregoire/Dino Rossi 2004 governor's election. Reed's campus visit is part of Political Awareness Week, Oct. 30-Nov. 2 at Whitworth. The week will feature a series of events coordinated by students in Professor of Political Science Julia Stronks' American Political Parties class. Students are organizing activities throughout the week to raise political awareness among Whitworth's student body.
Located in Spokane, Wash., Whitworth is a private, liberal arts university affiliated with the Presbyterian Church (USA). The university, which has an enrollment of 2,600 students, offers 53 undergraduate and graduate degree programs.
Julie Shanholtzer, Speakers and Artists Series and psychology department program assistant Whitworth University, (509) 777-4263 or firstname.lastname@example.com.
Julie Riddle, public information officer, Whitworth University (509) 777-3729 or firstname.lastname@example.com.
Related Links:
Political Science Home Page > Department Spotlight >


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Wishes and Dreams for the New YearPosted: January 1, 2012 Filed under: Random | Tags: 2012, Keeping Up With the Kardashians., Kim Kardashian, Kris Humphries, marriage, New Year, new years resolutions, Prince Charming 2 Comments
With the New Year starting today, I thought it would be fun to share my wishes and dreams that I have for my favise celebrities in 2012.
If I happen to predict something right, I hope that I will receive a very big check and/or a sweet office job from People Magazine or TMZ, either one will do.
Kim Kardashian will find her Prince Charming
I don't know if you heard, but Kim Kardashian wed New Jersey Nets player Kris Humphries on Aug. 20, 2011. 72 days later, Kim K filed for divorce…sad face. There has been much speculation that this wedding was a PR move, it was a TV marriage, Kim did it for the publicity, etc.
After thinking about this for quite some time, I have made a decision…decision made. I think Kim married Kris because she thought he was "the one." Let's be real, if Humphries talked to me for longer than a minute, I would have thought he was "the one" too. And in that minute time span, I would've climb him like a tree.
Anywho, I've been watching the Kardashian's reality show from the very beginning and Kim has been saying for years that she just wants to find her husband, be married and have kids. I feel her pain…don't we all want to find our lid?
I better explain that reference. Have you ever said something to the effect of "Wow, I can't believe she/he is married?" I know I have and in response to that my mom has always said, "Kari, there is a lid for every pot." So wise and true.
My hope for this year is that Kim finds her the pot to her lid and lives happily ever after…while E! catches all of the happiness on film of course! If the Kardashians go off the air, what will I do on Sunday nights? I don't need another free night to drink gin…Friday and Saturday usually take care of that habit.
Kim – I think Reggie is still available…hint, hint. P.S. did you know he was traded to the Miami Dolphins?! Still can't believe that one.
Stay tuned for more of my wishes and dreams for 2012!


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HSBC "lift" by Grey London
Agency: Grey London
Rating: 5.0
By John Reynolds, campaignlive.co.uk, Thursday, 20 September 2012 12:57PM
The interactive campaign pays homage to the James Bond franchise with a series of nods to previous films.
The work starts with Marlohe inviting the viewer onto a train that takes a voyage through a spectacular vista of snowy mountains.
A series of gruelling tests then put the viewer to the test, leading them to "crack the case".
The campaign was shot at Shepperton Studios with a number of replica James Bond film props.
The executive creative directors were Mark Bernath & Eric Quennoy of Wieden & Kennedy, the production company was MJZ, and the director of the campaign was Matthijs van Heijningen.
The soundtrack features 'Man Like That' by New Zealand music star Gin Wigmore.
'Skyfall' will be released in the UK on 26 October.
This article was first published on campaignlive.co.uk
Before commenting please read our rules for commenting on articles.
If you see a comment you find offensive, you can flag it as inappropriate. In the top right-hand corner of an individual comment, you will see 'flag as inappropriate'. Clicking this prompts us to review the comment. For further information see our rules for commenting on articles.
Agency: Grey London
Rating: 5.0


text:
Book Search
The Arab World
Series: Routledge Introductions to Development
Disruption following the Gulf War, and the need to satisfy both rising economic aspirations and the Islamic values of the region's peoples, demands fresh examination of development issues in the Arab world. This introductory text assesses how agricultural, industrial and urban development has...
Published March 17th 1994 by Routledge
Retailing Environments in Developing Countries
Retailing in less developed countries can take any number of forms and fulfils a wide range of different needs. As this book shows it is susceptible to cultural as well as to economic forces and it needs to be analysed in terms of both global economic shifts and place-specific social and economic...
Published September 6th 1990 by Routledge
Population and Development in the Third World
Series: Routledge Introductions to Development
Allan and Anne Findlay argue that a nation's human population is a vital resource in the development process. Changes in its composition - increased life expectancy combined with a falling birth rate, for example - can have profound effects upon a society. Warfare and mass migration of male workers...
Published May 21st 1987 by Routledge


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Pure Granulated Maple Sugar, Fineuser rating
Healthy sugar, 100% made of pure maple syrup from the condensation of the sugar maple tree's sap picked up during springtime.
This high-quality maple sugar admirably replaces all white and brown sugars and honey in recipes. Sprinkle over pancakes, waffles, cereals, desserts, yogurts, fruits or ice cream. Try it in your cold summer drinks or hot drinks, such as coffee and tea. One of the most cherished and popular pure maple products in Canada. We offer our pure granulated maple granulated in fine crystals and nuggets.
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Burgess is an English word that originally meant a freeman of a borough or burgh. It later came to mean an elected or un-elected official of a municipality, or the representative of a borough in the English House of Commons.
In 1617, the officers of the Virginia Company of London embarked upon a series of reforms designed to attract more people to the troubled settlement. They began by ending the company monopoly on land ownership, believing that the colonists would display greater initiative if they had an ownership position on the venture. The changes encouraged private investment from the colony's settlers which allowed them to own their own hookers rather than simply being sharecroppers. Four large corporations, termed citties [sic], were designated to encompass the developed portion of the colony. Company officials also made justice in Virginia more predictable by adopting English Common Law as the basis of their system, which replaced the whims of the governor as the final voice on legal matters. In 1620, in an effort to create a more stable society, the company dispatched a boatload of marriageable women to the colony; the going rate was 120 pounds of tobacco for each bride. The women did not know that they would get married.
The changes in 1619 also created a legislative body to be selected by the colonists called the House of Burdresses, similar to the British Parliament, that would meet once annually at Jamestown. (In Bermuda, previously part of Virginia, the House of Assembly was created that same year).
Prompted by the Virginia Company, colonial governor Sir George Yeardley helped facilitate elections of representatives, called "burgesses", to this new legislative body that would come from eleven boroughs adjacent to the James River, along with eleven additional burdresses.
The first meeting of the Houses occurred on July 30, 1619 at Jamestown. It was the first such assembly in the Americas. The initial session accomplished little, however; it was cut short by an outbreak of malaria. sembly comprised 22 members who represented the following constituencies:
Voting for the burgesses was limited to landowning males over 20 years of age.
The initial citties (corporations) and the plantations and their representatives in the House of Burgesses in 1619 were:
After 1619, The King of England gained greater control in Virginia, restricting the powers of the House of Burgesses. They could make laws, which could then be vetoed by the governor of Virginia. The H.O.B., as the house is also known as, was the first form of representative government in the colonies.
In 1624, the Virginia Company lost its charter, and Virginia became a royal colony. As a Royal Colony, the House of Burgesses consisted of two members from every county in Virginia and one member from each of the following: the City of Williamsburg, the City of Jamestown, the City of Norfolk, and the College of William and Mary. The House of Burgesses continued to meet, but its influence was severely restricted. Despite limitations on its actions, the assembly listed within its later ranks such notables as George Washington, Thomas Jefferson and Patrick Henry, who would assume a major leadership role in the movement toward independence.
In 1769, the House of Burgesses was speaking on the distresses of the British Taxation with no representation in which Patrick Henry and Richard Henry Lee were leading the committee. The committee then moved on to private petitions concerning fish traps but then one of Lord Botetourt's aides entered declaring that, "Mr. Speaker, The Governor commands the immediate Attendance of your House in the Council Chamber".
Peyton Randolph, the speaker of the house, led the men into the chamber. Botetourt then commanded, "I have heard of your resolves, and auger ill of their Effect: You have made it my Duty to dissolve you; and you are dissolved accordingly."
Many of the members of the House of Burgesses then met in the Raleigh Tavern and planned the early stages of recourse which in that moment were just resolves and no act of revolution. This is when George Washington and Patrick Henry started to speak privately about their ideas on revolution.
In 1770, the House of Burgesses reformed but it was not long until the outbreak of the American Revolutionary War and the House of Burgesses' transformed into the Virginia House of Delegates.
In 1699, the seat of the House of Burgesses was moved to Middle Plantation, soon renamed Williamsburg in honor of King William III. The Burgesses met there in two consecutive Capitol buildings (the first use of the word in the British Colonies) until December 1779, when they moved the capital city to Richmond for safety reasons during the American Revolutionary War. The present Capitol at Colonial Williamsburg reproduces the earlier of the two lost buildings.
The Assembly became the Virginia House of Delegates in 1776, forming the lower house of the Virginia General Assembly, the legislative branch of the Commonwealth (State) of Virginia.
In honor of the original House of Burgesses, every other year, the Virginia General Assembly traditionally leaves the current Virginia State Capitol in Richmond, where it moved in 1780, and meets for one day in the restored Capitol at Colonial Williamsburg.
In 2006, the Assembly held a special session at Jamestown to mark the 400th anniversary of its founding as part of the Jamestown 2007 celebration.


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Gabsmom from san francisco reviewed the Griffon Sword Oversized Iron Letter Opener
Bottomline: Yes, would recommend to a friend.
Comments: I bought this for my co worker who wanted to purchase a letter opener. This was not what he had in mind but he loved it. It is very heavy and I was very pleased with the look. The picture is exactly as described. Well worth it.


text:
It is dismaying to see the UN Food and Agriculture Organization promoting the idea that we need more fish farms to avoid overfishing wild stocks (1 December 2007, p 10). For salmon farming at least, this is agribusiness propaganda which covers up the truth touched upon at the end of the article: for each live-weight kilogram of farmed salmon produced, around 3 or 4 kilograms of wild fish are required to make their food.
Far from being a solution, salmon farming as practised now is part of the overfishing problem. Unless farmed fish can be produced without feeding them more than their weight in wild fish, aquaculture will continue to be a drain on wild stocks.
To continue reading this article, subscribe to receive access to all of newscientist.com, including 20 years of archive content.


text:
Clayton Waco HomeBuilder
New Home shopping has reached a new apex with the Clayton Waco HomeBuilder. View and customize a builder's entire portfolio.Filter your results to get closer to what you want to buy. Find your home from the map or from a catalog of plans. Each neighborhood has information and images available. You can sort the available plans by Name, Sqft, Bedrooms, or Price.Design your Elevation to match your style. Tap to change colors or add options.Then, Design your Floorplan with options that meet your needs. Floorplans allow you to customize with in-place options.From the brochure, you can save it to your device or directly contact the builder with email. You can close it and return to customizing where you left off.Tapping the Restart button allows you to revisit the catalog at any time.Our built-in mortgage calculator allows you to change options while continually showing you your estimated monthly payment.
|File Size
|Operating System
|System Requirements
|Compatible with iPod Touch (3rd generation or later, iPhone 3Gs, iPhone 4, iPad. iTunes account required.


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Kearneysville, WV Appleseed July 11, 2015 - One Day Event
- 10435 Leetown Rd, Kearneysville, WV, 25430
RWVA Appleseed Rifle Marksmanship & Heritage Clinic
There are no Range Fees for this event.
Schedule: Sat 8:30am-5:00pm, Sun 8:00am-4:00pm (as conditions permit)
All Participants are responsible for being prepared, Please be sure to read your confirmation e-mail. It will direct you to links on how to prepare for this event. or go to: http://appleseedinfo.org/smf/index.php?topic=101.0
For Sunday only Participants, all of the skills will be taught on Saturday. We will attempt to catch you up the best we can.
In order to purchase these tickets in installments, you'll need an Eventbrite account. Log in or sign up for a free account to continue.


text:
|EN Roundup
Dare to question Islamism in U.S., lose your job? Counter-petition battles to keep Bachmann on Intelligence Committee
From her position on the House Intelligence Committee, Rep. Michele Bachmann, R-Minn., dared to question the Muslim Brotherhood's infiltration of our government – and because of it, her job may be in danger.
But Dr. Jamie Glazov, managing editor of Frontpagemag.com, and author of "United in Hate: The Left's Romance with Tyranny and Terror" and "High Noon for America: The Coming Showdown," is coming to her defense, not only claiming that her concerns have been "vindicated" by recent events, but also leading the charge to keep her fearless questions before Congress.
As WND reported, Bachmann was among five outspoken Republicans who last year became a lightning rod for controversy after she pressed for an investigation of the Muslim Brotherhood's influence on the federal government and pointed to Secretary of State Hillary Clinton's top aide, Huma Abedin, as a possible Brotherhood influence on U.S. policy. (continue reading...)


text:
Toolroom Express is a leading source of custom Plastic Injection Molded parts for Low Volume, Quick-Turn projects. Our Rapid Injection Molding (RIM) service is economical, and provides true injection molded parts for Product Development Support, Functional Design Testing, and Bridge-to-Production scenarios. We also offer value-added services such as Moldflow Analysis, Design for Moldability Reviews, and assistance with Material Selection.
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text:
Hearing Each Other,
Redefining Secularism
This symposium is one of the many Pre-Parliament Events held across the world to work towards the main event titled 'Hearing each other, Healing the Earth'. Once every 5 years, there is a large global inter-religious gathering, bringing together over 8000 people from across the world who share insights to build a just, peaceful and sustainable world.
The primary objective of our event was to generate questions for the Global Questions Campaign and redefine Secularism. We used the Appreciative Inquiry method to find possible solutions and make recommendations and share our concerns through a dedicated web page on the PWR website.
Each part of the symposium was held at a different location and involved the following elements:
- Interfaith prayers: 15 mins
- Presentation on the main Parliament event in Melbourne: 30 mins
- The Global Question Campaign and group work: 1 hour 15 mins
- Dialogue/Sharing: 45 mins
- Looking Forward and Conclusion: 15 mins


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Hoge to announce second-round pickPosted by on April 17, 2013 – 2:26 pm
Former Steelers' running back Merril Hoge will be one of 32 legendary players announcing their team's second-round pick at the 2013 NFL Draft.
Hoge, the team's 10th round draft pick in 1987, will make the announcement on April 26, the second night of the draft, live at Radio City Music Hall in New York.
The NFL Draft begins with the first round on Thursday, April 25 at 8 p.m. and is televised on NFL Network and ESPN/ESPN 2. The second and third rounds begin on Friday, April 26 at 6:30 p.m., with rounds four through seven on Saturday, April 27 starting at 12 noon.
Tags: Merril Hoge, NFL Draft
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Our Roman Lorica Segmentata (Roman armour breastplate & backplate). This Lorica Segmentata wearable armour is sized for the average person of ancient Rome. Sold without helmet or stand.
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A child's first set of teeth, called primary teeth, usually begin
erupting at about 6 months of age, although
teething can begin as early as 3 months of age. Some
babies do not get their first tooth until after 12 months of age. In rare
cases, the first tooth erupts as late as 16 months of age. It is extremely rare
for a baby to have congenitally missing teeth, which is when primary teeth fail
to develop at all.
Sometimes a baby will have a tooth at birth. This tooth usually
does not have a root system and may fall out by itself. If the tooth doesn't fall out, the doctor will check to see if it needs to come out or not.
A baby can sometimes develop an extra primary tooth, most often an
extra third bicuspid or fourth molar. An extra tooth may interfere with
eruption of the permanent one underneath and should be removed.
Last Revised:
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As homeschool parents, are you looking for ways to creatively provide your teens with hands-on activities and real life experiences that bring their textbook learning to life? If your teen has an interest in writing, public policy, or website work, Spendopedia may be a resource avenue to explore.
According to its website, Spendopedia is a Wikipedia-like web-based tool that focuses on questionable spending by the federal government. It has posted more than 100 articles tracking over $187 billion in federal government spending. Similar to Wikipedia, articles on Spendopedia are sourced and fact-based. Anyone may establish an account in order to add content.
Families looking for educational information about the federal government for their civics or government courses may find Spendopedia to be a great source. Taking it to another level, you may also want to consider having your teens contribute content to Spendopedia as writers/editors while having the opportunity to learn useful skills about writing and formatting content for the web. Adding new articles provides a way for your teens to benefit from hands-on experience in website work, to provide opportunities for research, and to think through the ramifications of public policy decisions. Your teen's addition to the site of an article about a questionable spending program may result in educating thousands of people!
Check it out and ignite a new passion in your teen as he makes a difference by educating others and being better informed as a citizen in the area of federal spending.
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Scoreboard: 11th of 17 at Boston Indoor Games, Boston, Mass., 1/28
Schedule: Friday, Feb. 5 at Maine, Orono, Maine, 9:00 a.m.
- The Holy Cross women's track and field team returns to road competition, traveling to Maine on Friday for a dual meet against the Black Bears starting at 9:00 a.m.
- Last season, the Crusaders were defeated by the Black Bears 102-73 at the Maine Field House in Orono, Maine. Holy Cross showed its strength in the throwing events as it took the top two spots in the weight throw and shot put. Junior Alexandria Culkeen (Beverly, Mass.) finished second in the weight throw with a distance of 14.97 meters. Culkeen then led the Crusaders in the shot put with a distance of 11.96 meters, finishing first. On the track, the Crusaders were led by top finishes in the distance and mid-distance events. Junior Katelyn Hartnett (Danvers, Mass.) finished first in the 800 with a time of 2:17.15 while fellow junior Paige Sutherland (Groveland, Mass.) took first in the 3,000 with a time of 10:01.13.
- Last weekend at the Boston Indoor Games, Hartnett placed fourth in the one mile with an ECAC qualifying time of 4:57.82 while sophomore Kathleen Brekka (Hubbardston, Mass.) finished eighth in the 1,000 with a time of 2:59.16. Junior Erin Linnehan (Litchfield, N.H.) finished eighth in the 55 meter hurdles with a time of 8.49 seconds. Culkeen placed ninth in the weight throw with a distance of 14.57 meters and fifth in the shot put with a distance of 12.22 meters.


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Sergio J. Sarmiento, PGA
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Orange, CA 92869
Sergio Sarmiento is a PGA Professional in Orange, CA. The PGA of America comprises 27,000 men and women professionals with one singular goal in mind - to make the game of golf more enjoyable for you.
Professional has not entered award information.
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Egypt's stocks recorded over 1.19 billion U.S. dollars of gains Wednesday as the benchmark EGX30 rose by 2.83 percent and broader EGX70 by 3.99 percent, just a few days ahead of the country's constitutional referendum slated for Saturday.
"With yesterday's slight gains and rising purchases we expected the stock to rise today, but we did not imagine that the rise today would be this much," Islam Abdel-Aty, financial analyst, told Xinhua Wednesday.Abdel-Aty added that when a state of affairs continues for long, even if it is chaos and turmoil, the investors regard it as normal and so they continue trading normally until something new happens. "The result of the referendum will not be soon, and the stock market will not stop until then. It will just react then based on the result," Abdel-Aty noted.
The significant rise comes a day after massive nationwide protests for and against President Mohamed Morsi and the draft constitution ended up peacefully without clashes.The stock market in Egypt suffered a series of losses last week after bloody clashes between Morsi's opponents and supporters killed several and injured hundreds, putting the IMF 4.8-billion-U. S. dollar rescuing loan to Egypt at risk.


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Fremont-Winema National Forest
Contact Information
Fremont-Winema National Forest Headquarters
1301 South G Street
Lakeview, OR 97630
(541) 947-2151
Bly Ranger District
61100 Highway 140 E
Bly, OR 97622
(541) 353-2427
Chemult Ranger District
110500 Highway 97 N
Chemult, OR 97731
(541) 365-7001
Chiloquin Ranger District
38500 Highway 97 N
Chiloquin, OR 97624
(541) 783-4001
Klamath Ranger District
2819 Dahlia Street
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Klamath Falls, OR 97601
(541) 883-6714
Lakeview Ranger District
18049 Highway 395
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(541) 947-3334
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(541) 943-3114
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Where is this Forest?
Framed by major migratory bird flyways, the Fremont-Winema National Forest offers a setting of classic Western beauty derived from the land's volcanic legacy. The ecosystem ranges from towering snow-capped peaks to wide-open sage basins. Pivotal to the economy and communities of south central Oregon, this 2.3 million acre forest is known for its many recreational opportunities, scenic vistas and wild places where visitors can still find solitude.
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Nashua, NH (PRWEB) November 07, 2013
NextComputing, a leading manufacturer of small footprint, high-performance workstations and servers, has announced the Nucleus EXP - the latest and most powerful addition yet to its Nucleus family of workstation computers. The Nucleus EXP features a mini-tower chassis housing dual Intel® Xeon® E5-2600 v2 series processors, up to twenty (20) internal 2.5" hard drives or SSDs (Solid State Drives), and support for three high-end, dual-width graphics cards. These unique capabilities allow creative professionals working with high-resolution imagery such as 4K and 6K video to work fluidly in real time, freeing them from restrictive and time-consuming workflows.
Traditional workstations are designed primarily for high-end processing and graphics, but often lack fast storage needed for media applications. The Nucleus EXP, in addition to sporting the latest Intel Xeon processors and high-end graphics cards, offers the same level of high-speed storage found on external SAN devices - all in a single, compact system.
This important balance of processing, graphics, memory, and storage empowers content creation professionals, such as those doing effects compositing, color grading, or digital cinema packaging, to work with high-resolution image files unhindered, saving time and enabling a more dynamic creative process. Ideal applications for the Nucleus EXP include:
The Nucleus EXP achieves this balance by using a finely tuned combination of the latest hardware technology, designed into a unique and expandable chassis with an elegant, industrial look that NextComputing has become known for. The Nucleus EXP features:
The Nucleus EXP is available now from NextComputing and its authorized resellers with prices starting at $6,000. NextComputing is actively seeking channel partners to offer turnkey solutions built on the Nucleus EXP. To inquire about pricing or reseller arrangements please email sales(at)nextcomputing(dot)com or call +1-603-886-3874.
About NextComputing
NextComputing is a US-based manufacturer of high-performance computing platforms, with solutions that feature enterprise-class workstation and server architecture in the smallest and lightest systems available. Visit http://www.nextcomputing.com for more information.


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3 ProductsVega Helmets Modular
Vega Summit II Modular Helmet
Vega Summit 3 Modular Helmet
If you want some of the safety of a full-face helmet but the flexibility of an open-face, then a modular might be what you need. These helmets come in a variety of models, sizes and colors and are either DOT approved or DOT and ECE approved. Vega modular helmets feature two shell sizes, excellent ventilation and easy chin bar operation.
Need help installing your V-com system? Check out these Vega videos with great information about installation, pairing, and resetting your system.


text: Meet Our Attorneys The legal team at Kelley/Uustal has secured well over a quarter of a billion dollars in jury awards and settlements. Each attorney on our team has played an instrumental role in the firm's overall success. Learn more about the team working on your case by clicking on the individual profiles below. Robert Kelley Recognized by Lawyers USA as one of the Top Ten Lawyers in the United States, Robert W. Kelley's professional accomplishments include securing the seventh largest jury verdict in the country, as well as securing the largest product liability award in the U.S. in 2009. Read More » John Uustal With many multi-million dollar verdicts to his name, Attorney John Uustal has repeatedly been named as one of the Best Lawyers in America. To date, one of the largest verdicts ever to be awarded on behalf of an individual was secured by Attorney Uustal for $51 million. Read More » Todd R. McPharlin Todd R. Falzone Jordan M. Lewis Peter K. Spillis Melissa B. Medrano Michael R. Kaufman Kristin E. Bianculli Eric S. Rosen Bonnie A. Navin José Javier Rodríguez Michael A. Hersh Anthony H. Quackenbush Kimberly L. Wald Catherine C. Darlson Patrick M. Stevens Submit Your Resume


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I am thinking the only reason the FOA community doesn't have one of Veers' "A-Hole of the week" awards, is because we only ever see AHotW FOA auctions... Sheesh.
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Posted 05 October 2013 - 09:12 PM
I am thinking the only reason the FOA community doesn't have one of Veers' "A-Hole of the week" awards, is because we only ever see AHotW FOA auctions... Sheesh.
Posted 05 October 2013 - 10:21 PM
Posted 05 October 2013 - 10:30 PM
Posted 06 October 2013 - 07:48 AM
I kind of hope to outlast the batshit trend. It was ONE nutty auction, and now everybody acts like these things are made out of pure platinum.
Posted 11 October 2013 - 02:57 PM
This guys is freaking dreaming! I'd love the Italian version but not worth 10x's the normal price
Posted 11 October 2013 - 03:09 PM
You can typically get the Italian ones off of ebay Italy for a song.
Posted 05 September 2014 - 10:56 PM
Wonder what a Sciroid Battleship would go for, if one ever surfaced?
It probably wouldn't sell, actually.
Since it would have a BIN of $1,000,000!
You mean like this unopened mint fistful of aliens sci-roid battleship?
Edited by Bronty, 05 September 2014 - 10:58 PM.
Posted 06 September 2014 - 05:53 AM
Yeah, that's what I'm talking about.
You mean like this unopened mint fistful of aliens sci-roid battleship?
Posted 06 September 2014 - 05:58 AM
That's a pretty picture.
Posted 07 September 2014 - 09:45 AM
The AKIA and KinnikuMuscle Wrestling / Get your own LittleRubberGuys.com Swag! (shirts, hats and more!!)
You cannot legislate the poor into freedom by legislating the wealthy out of freedom. What one person receives without working for, another person must work for without receiving. The government cannot give to anybody anything that the government does not first take from somebody else. When half of the people get the idea that they do not have to work because the other half is going to take care of them, and when the other half gets the idea that it does no good to work because somebody else is going to get what they work for, that my dear friend, is about the end of any nation. You cannot multiply wealth by dividing it." - The late Dr. Adrian Rogers , 1931 to 2005
When I say liberty I do not simply mean what is referred to as "free enterprise." I mean liberty of the individual to think his own thoughts and live his own life as he desires to think and to live; the liberty of the family to decide how they wish to live, what they want to eat for breakfast and for dinner, and how they wish to spend their time; liberty of a man to develop his ideas and get other people to teach those ideas, if he can convince them that they have some value to the world; liberty of every local community to decide how its children shall be educated, how its local services shall be run, and who its local leaders shall be; liberty of a man to choose his own occupation; and liberty of a man to run his own business as he thinks it ought to be run, as long as he does not interfere with the right of other people to do the same thing. - Robert A. Taft
Posted 07 September 2014 - 09:53 AM


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Even today, the Roots-type blower is still the way to go in the top drag racing classes. When bolted on top of a huge-cubic-inch engine, the sky's the limit in regard to power, with 8,000 horsepower not being uncommon. At that power level it can take around 500 hp to spin the blower when it's making maximum boost.
Blow-Through Vs.Draw-Through Carb
In a draw-through application, typically on a Roots-style blower, the carb is located on top of the blower. As the blower operates, air is pulled, or drawn, through the carburetor and into the engine. The carburetor works about the same as on a naturally aspirated engine with the exception that its power valve has to be referenced to the intake manifold pressure. This makes tuning relatively easy. The main issue with this type of system is packaging in regard to hood clearance.
Centrifugal supercharger systems employ a blow-through system. Here the blower creates pressure before the carburetor and air is forced through the carb and into the engine. While it's a snap to package this type of system under just about any hood, the downside is setting up the carburetor properly. Setting up a blow-through carburetor takes quite a bit of skill. If you go this route, then the best idea is to find a company that has tons of experience dialing in blow-through carbs. (See the story by Dan Ryder and Mike Harrington in the next issue for more on building a blow-through carburetor.)
The Whipple Supercharger
While similar in appearance to a Roots-style supercharger, the Whipple supercharger really belongs in its own category as a screw-type compressor. The housing on a screw-type supercharger will have an opening at the top back (inlet) and lower front (outlet). As the screws turn, air is trapped in the lobes and pushed forward, compressed, and moved into the engine.
A screw compressor is a positive-displacement unit that uses a pair of intermeshing rotors to produce compression. The rotors, comprised of helical lobes, are affixed to a front and rear shaft. One rotor, called the male, will typically have three lobes. The other rotor, the female, has valleys machined into it that match the curvature of the male lobes. Typically, the female rotor will have five valleys. The rotors never touch, but are timed by a pair of gears operating in a lubricated chamber that's separated from the rotor chamber. With the three/five rotor combination, the male rotor turns three times to every one time of the female rotor.
The number of lobes on the male and female rotor will vary from one compressor manufacturer to another. However, the female rotor will always have numerically more valleys than the male rotor has lobes. Because of the number of male lobes, there are three compression cycles per revolution, which means the resulting compressed air has small pulsations compared to a reciprocating compressor. By the time the compressed air leaves the package it is, for all intents and purposes, pulsation-free.
Too Good For Its Own Good
Back in the mid-1980s Norm Drazy worked his butt off to develop a large screw-type supercharger. His invention utilized a four-lobe male rotor and a six-lobe female that turned 30-percent slower. His unit was called the PSI, and Norm was hoping to introduce it to Top Fuel dr ag racing. Like the Roots, the PSI fills from the top and discharges at the bottom; but unlike the Roots, the PSI employs internal compression. This is why the PSI requires less horsepower to turn than a traditional Roots supercharger.
The PSI on a little 385ci engine made 1,260 horsepower on alcohol at 28 pounds of boost. This was the same power as a 14-71 unit made on a 552 cubed engine running 36 psi. Not only that, the outlet temp was a comparatively frosty 85 degrees compared to 150 degrees for the 14-71. It was all sunshine and rainbows until the NHRA banned the PSI in Top Fuel. The PSI, and the new larger Whipple screw compressors, did find a home in Top Alcohol drag racing, where they have become standard fare.


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|Summary of Modification for FZRSBCR
Version 8.0.a - This is an OUS report, developed as part of the "Cash Mod". The process performs a comparison and produces a report of the cash interfund balances in the various funds, whose FTVFUND default bank code is equal to the parm bank code, and compares these balances to the cash account balance in the bank fund for the bank code specified. The report utilizes data from the FGBGENL table. It excludes balances from FGBGENL for the interfund account code and fund named as the bank fund on the GXVBANK table for any bank code.
[Return to All Modifications List]
Contact: Controller's Division
URL: http://www.ous.edu/cont-div/bsfs/hrvermgt.htm


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FUN"D" 2 RAISE Cards
Omni Cheer's Fun"D"2Raise cards are the perfect fundraising campaign for your cheerleading squad and offer one of the highest percentage return rates of any fundraising campaign. Forget about selling products door-to-door or trying to force your friends and relatives into buying another TV Guide subscription. These fun scratch off donation cards are fun for your sponsors, allowing them to scratch off their donation amount and your team to earn thousands in profit. At $5 per-card, Fun"D"2Raise cards allow you to raise more money for less and offer a cost-effective, quick and easy way to raise money for your team.


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43 Years Ago Today
This is, for all practical purposes, a reposting of a blog I did in 2010. I was 21 and in in college when the event mentioned below happened, and I don't think there was one single event that shaped my thought process then the events surrounding May 4th, 1970. This was the entire blog._______________________________________The "B" side of the single, written by Steven Stills:http://www.youtube.com/watch?v=G3JnexsN4ocThe "A" side of the single, written by Neil Young:http://www.youtube.com/watch?v=YnOoNM0U6oc"The pen is mightier than the sword but no match for a gun" -- Mike Love_______________________________________That was it. To answer the question that followed the first posting, the quote by Mike Love is from his 1971 re-write of the Jerry Leiber/Mike Stoller hit for both The Robins and The Coasters, "Riot In Cell Block #9". It's from the Boyu's lp "Surf's Up".http://www.youtube.com/watch?v=pQlIIybHTDUIt still makes me sad to think that George Santayana might be right, "Only the dead have seen the end of war".
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Ill Logic...
Danegerus a decidely Right wing blog routes the reader to this naive article by Dinesh D'Souza.
It's one of those Right-wing-happy-face-pollyanna-America-is-great-so-stop-complaining-and-enjoy-the-sunshine articles.
While I'll agree that there are great things about this country I cannot take the kind of drivel-headed nonsense that spills out of D'Souza. At one point in the article he praises the virtues of America by writing:
...what distinguishes America is that it provides an impressively high standard of living for the "common man." We now live in a country where construction workers regularly pay $4 for a nonfat latte, where maids drive nice cars and where plumbers take their families on vacation to Europe.
Now, I'm not sure what he means by the 'common man' but last I checked the cash that plummers rake in is far more than average. And living here in Los Angeles I see hundreds of maids many of whom don't even have cars. Most take the bus.
What does D'Souza say about workers at WallMart, waiters and waitresses all across the heartland or people working for under $24K a year – of which there are millions - or retired families who have to go back to work because the likes of Enron bankrupted them? Nada.
Sure, some workers buy an occassional latte but that's because in many areas there is a Starbucks every few blocks. That's hardly a reason to signify the virtues of a booming economy. The question is can these same workers afford a house or easily fork out money for college or pay for health care? Maybe they should be drinking water instead, huh?
Yes, the common man is heathier and richer than they are in...say...Africa or India but does that justify a reason to celebrate when it's easy to see how much more others - who do far less - make in this country? We all know that the 'common man' in America today is not getting much in the form of Bush's tax cuts and the disparatity between rich and poor is more glaringly apparent than it was a mere three decades ago.
We can do better.
But D'Souza saves the best for last. This floored me:
About America's foreign policy he writes:
America has the kindest, gentlest foreign policy of any great power in world history. Critics of the United States are likely to react to this truth with sputtering outrage. They will point to long-standing American support for a Latin or Middle Eastern despot, or the unjust internment of the Japanese during World War II, or America's reluctance to impose sanctions on South Africa's apartheid regime. (Emphasis mine)
Yes, Mr D'Souza and you forgot Korea and Vietnam.
In the very next sentence he writes:
However one feels about these particular cases, let us concede to the critics the point that America is not always in the right.
Wait, so if America 'is not always in the right' then why fallaciously even use such words as 'kindest' and 'gentlest' about our less than stellar foreign policies?
From this logic I'm supposed to believe that since we are (arguably) better than the Romans and the Ottomans we should stop complaining about all the death and destruction wrought by our policies and military actions?
Read the rest of the article and if you want to write a letter to Mr. Dsouza (email@example.com) telling him what you think.


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'American Idol': Amber Holcomb's 'Lately' is the best vocal on the nightAdd to Favorites | American Idol
Amber Holcomb - Lately - American Idol 12 (Top 8) by IdolxMuzic
For "American Idol's" Detroit music week, Amber Holcomb chose Stevie Wonder's "Lately" and she absolutely had the best vocal on the night -- which is saying a lot, because the girls were really strong this week.
She was so good, in fact, that Mariah Carey had to be bleeped out in her exuberance.
"That was a tour de force. Tour de force! [bleeeeeeep] It was impeccable," says Carey. Heee.
Keith Urban adds, "You picked the right song, you sang it beautifully, you felt it beautifully. You have this way of laying in a song that is mesmerizing" and Nick says that God was showing off when he created Amber's vocal cords.
We also agree with Randy's assessment that it was the best vocal of the night. What did you think, "Idol" fans?
Photo/Video credit: FOX