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Predatory Lending Solutions Predatory Lending Solutions Project Predatory Lending Solutions Presented to Pima County, AZ Community Organizations Tucson, Arizona Thursday, February 16, 2006 By Judy Mott Montgomery County, OH Community Development Beth Deutscher HomeOwnership Center of Greater Dayton Jim McCarthy Miami Valley Fair Housing Center, Inc. Predatory Lending Solutions An Overview of the Predatory Lending Solutions Project (PLS) Montgomery County, OH Predatory Lending Solutions Scope of the Problem • ―Predatory lending‖ is any unfair credit practice that harms the borrower or supports a credit system that promotes inequality and poverty. Although predatory lending has become shorthand term for a variety of practices that include car title lending, payday lending and check cashing businesses, this project is focused on residential real-estate transactions that involve financing a home or refinancing home-equity. • Predatory mortgage lending and its subsequent foreclosures result in a myriad of devastating and extremely costly consequences to our cities. Vacant, boarded-up homes lead to neighborhood destabilization, increased criminal activity, urban sprawl, declining property values and thus an eroding tax base. This dynamic diminishes the local government's capacity to provide basic services, such as education and police and fire protection, to its citizens. Predatory Lending Solutions Scope of the Problem (continued) • Data consistently shows that the Dayton, OH area ranks in the top echelon in the nation for loans made by subprime lenders, with over 20 percent of all refinances going to subprime lenders. Subprime lenders dominated neighborhoods with over a 30 percent minority population with 50 to 89 percent share of the market. • Consequently, foreclosure research has revealed that in West Dayton, which is a historically hyper-segregated, African American community, there are four zip codes (45406, 45407 & 45416, 45417), where there are at least 25 foreclosures filed per existing 100 households. • Ohio ranks first in the nation for the most number of mortgage foreclosure filings, per capita. Montgomery County (Dayton) leads the State of Ohio with the most mortgage foreclosure filings, per capita, in the state. Predatory Lending Solutions History of the Project • In 1999, COUNTY CORP, a non-profit housing and economic development agency for Montgomery County, noticed a high number of refinancing of their low-interest rate loans. Concurrently, Consumer Credit Counseling Service, a HUD-approved mortgage default counselor for VA/FHA mortgages, noted that within two years, mortgage default counseling increased over 500 percent, from one to four cases per week to four to five cases per day. In addition, the Miami Valley Fair Housing Center and the Legal Aid Society noted an increase in calls regarding mortgage default and discrimination. • As a result, the Committee Addressing Predatory Lending (CAPL) was formed to study the issue and identify a program for addressing predatory lending. The development of the Predatory Lending Solutions program took approximately two years and implementation began in January 2001. Predatory Lending Solutions History of the Project (continued) • When the issue of predatory mortgage lending was presented to the Montgomery County Board of County Commissioners, they determined that a substantial effort was needed to address predatory lending and pledged $350,000 of funding per year, over a three-year period to begin the project. The Commissioners recognized the long-term need to preserve the County's neighborhoods, damaged as a result of these practices. • In addition, using Temporary Assistance to Needy Families (TANF) funds, the County Commissioners committed an additional $440,000.00 over a two year period for the development and marketing of a massive, community outreach & education media campaign. Predatory Lending Solutions History of the Project (continued) • Funding for the project has come from a variety of sources, but the core funding for the project has been realized primarily by local funds within our county. The Board of County Commissioners of Montgomery County have taken the extraordinary steps of providing funding for the project from the County General Fund utilizing revenue generated by housing bonds. • In addition, the Montgomery County Recorder, has contributed funds to the project through revenue generated by recordation fees. • Montgomery County also has a local affordable housing trust which is funded by a special sales tax, and the affordable housing trust, through COUNTY CORP, has been a consistent funding source for the project. • After the initial launch of the project, we were also successful in receiving Fair Housing Initiative Program (FHIP) funds from the U.S. Department of Housing & Urban Development (HUD) to support the project. Predatory Lending Solutions Project Design • The Predatory Lending Solutions Project was designed to offer prevention and intervention services to Miami Valley families who are current or potential victims of predatory lending practices. • From the inception, the project has been a collaborative effort by multiple different community organizations. To date, participating organizations have included: Consumer Credit Counseling Service (CCCS) (a division of Lutheran Social Services of Mid-America), Legal Aid Society of Dayton, the HomeOwnership Center of Greater Dayton and the Miami Valley Fair Housing Center. The Fair Housing Center has been the lead organization, coordinating inter-agency relations. Predatory Lending Solutions Project Design • The PLS Project's design includes the following four components: • Community Education & Outreach; • Intervention & Rescue Services; • Community Impact Research; and • Legislative Support Predatory Lending Solutions Education & Outreach Component Predatory Lending Solutions Freddie Mac's "Don't Borrow Trouble" Campaign • A campaign designed to educate and empower consumers • Began in Boston; has now been launched in over 40 cities across the country • Participating organizations have access to seed funding, media tool kit, marketing consultant services, and on-site training by the National Consumer Law Center • Campaign website: www.dontborrowtrouble.com Predatory Lending Solutions Neighborhood Walks • Targeted to zip codes/neighborhoods showing a high incidence of predatory lending and foreclosure • Volunteers walk the neighborhood distributing consumer awareness materials • Bright t-shirts & rented bus trolley bring attention and safety to the group Predatory Lending Solutions PLS Neighborhood Walks Predatory Lending Solutions PLS Neighborhood Walks Predatory Lending Solutions PLS Neighborhood Walks Predatory Lending Solutions Outreach Through Existing Programs and Partnerships • Homebuyer classes • Fair Housing educational programs • Community presentations • In-service training opportunities Predatory Lending Solutions Community Festivals & Events • Established ―Predatory Lending Education Day‖ with press conference & table displays at Courthouse Square • Black Cultural Festival • Neighborhood events • Home improvement & other housing related conventions/shows Predatory Lending Solutions Montgomery County, Ohio Local Media Campaign • Established Predatory Lending Solutions Hotline • Developed brochures, posters, radio, television, billboard and bus advertising • Utilized local advertising company to design campaign theme and materials • Certain marketing initiatives included the PLS Hotline phone number; others were intended solely as public awareness Predatory Lending Solutions Billboards Predatory Lending Solutions Billboards Predatory Lending Solutions Billboards Predatory Lending Solutions RTA Bus Externals Predatory Lending Solutions RTA Bus Placards Predatory Lending Solutions Newspaper Ads Predatory Lending Solutions Newspaper Ads Predatory Lending Solutions Newspaper Ads Predatory Lending Solutions Brochure Predatory Lending Solutions Predatory Lending Solutions Predatory Lending Solutions Poster Predatory Lending Solutions National Fair Housing Alliance's Media Campaign • Worked with the Ad Council to develop theme and materials • Television & Radio Commercials • Written materials Predatory Lending Solutions Intervention Component Predatory Lending Solutions Assessment & Evaluation • The essential nexus of this system is the PLS hotline. Two predatory lending specialists at the Fair Housing Center staff the hotline and make an assessment based upon information obtained from that initial contact with the client. • If the caller describes characteristics of a predatory loan, the specialist will make an appointment with the caller, conduct an interview and review the loan documents. If the predatory lending complaint is found to be meritorious, the complaint is accepted and an investigation is opened. Throughout this entire process, the predatory lending specialists work to identify local resources to provide appropriate assistance to the client. • The predatory lending specialists have also sought and obtained private attorneys for those clients who have been victims of predatory loans. Further, the specialists have provided vital research and analysis for attorneys representing the PLS project's clients, thus facilitating private legal representation for moderate-to-low income homeowners who would otherwise be forced to struggle through the web of collection and foreclosure un-represented. Predatory Lending Solutions Negotiation with Offending Lenders • This is a shared responsibility between the PLS Specialists and the staff attorney. When possible, negotiations are handled by the specialists to try and arrive at terms that benefit the client while at the same time are agreeable to the lender. • When the specialists are unable to successfully negotiate a resolution, then negotiations are elevated to the staff attorney or referred out to a cooperating attorney for additional negotiation and/or litigation. Predatory Lending Solutions Utilization of IOLTA Accounts • One of the key components of our success has been the requirement that clients utilize the project's IOLTA account. • When the PLS project accepts a client for intervention services, and if the client is able to rescind their loan because of a violation of HOEPA or TILA, we require the client to make their mortgage payment to the Center's IOLTA account, where their money is held in escrow until the matter is resolved. The money saved in escrow can be used by the client for downpayment or closing costs on a new refinance that gets them out of the predatory loan. • In this way we are able to demonstrate to lenders that our clients are good credit risks and are willing and able to perform in a loan, which facilitates obtaining a better loan for the client at the end of negotiation/litigation with the offending lender. Predatory Lending Solutions Settlements & Conciliation On Behalf of Clients • Both the staff attorney and private, referral attorneys work together with PLS staff to realize settlements and/or conciliations on behalf of clients. The majority of the cases that we have brought have been resolved through settlement and/or conciliation. This is a lengthy process, often lasting 18 – 30 months. Predatory Lending Solutions Litigation On Behalf of Clients • The PLS staff attorney and private cooperating attorneys both pursue meritorious cases up to and including litigation on behalf of clients, when necessary in order to obtain relief. The project currently has more than 87 active cases, 15 of which are currently being litigated by the PLS staff attorney, and an additional 27 which are being handled by private cooperating attorneys. Predatory Lending Solutions Other Legal Services • Many of the clients who present to the PLS project have multiple legal issues that are either part of or resulting from their predatory loan. For example, they may need a bankruptcy attorney to pursue a bankruptcy on their behalf. While the PLS staff attorney does not handle the bankruptcy, we do work in partnership with the bankruptcy attorney to ensure that the client to ensure that the client gets the maximum benefit from both the private bankruptcy attorney and the project itself. Predatory Lending Solutions Financial Literacy Training One of our key goals is to encourage long-term financial success for our clients! • Financial Fitness Classes • 10 hours of training • Mix of lecture and group discussion • Hands-on exercises • Focus on improving money management skills, stability, credit, savings and goal planning Predatory Lending Solutions Homeownership & Credit Counseling • Cash flow analysis: income/expenses • Credit report review (tri-merge with scores) • Evaluation of mortgage affordability • Development of Action Plan to address presenting issues Predatory Lending Solutions Preparing Clients for Refinance • Assessment of current qualifications • Analysis of qualifying criteria for PLS Refinance Program requirements • Feedback and coordination of application timing with legal staff Predatory Lending Solutions PLS Refinance Program • Pilot program with Fannie Mae and participating lenders: Fifth Third Bank, Huntington Bank, National City Bank & COUNTY CORP Mortgage • Offers an opportunity to refinance at up to 97% LTV, at market rate or slightly above • Allows more flexible underwriting guidelines, acknowledging that PLS clients have experienced credit & financial hardship resulting from the predatory loan. • Even with the more flexible guidelines, we must work with clients extensively to meet the program requirements. Predatory Lending Solutions Facilitating the Mortgage Application Process: Link to Loans • Once the client is ready for the mortgage application process, we provide them with information regarding at least three loan options. • The client voluntarily chooses one, and we send a preview of the client's profile to underwriting & then schedule the loan application to occur at our office. • We provide the lender with standard information such as income documentation and bank statements, as well as a copy of their training certificate and information documenting the predatory nature of the loan. • We stay involved throughout the process, and then hold the closing at our office. Predatory Lending Solutions Local Impact Research & Data Maintenance • Data that needs to be researched include foreclosure rates, sub-prime lending activity, and indicators of predatory lending • Data that is readily available includes limited recorder system data, real estate tax information, and HMDA (but not closing documents, for example) • On-line access to public information and cooperation with database sharing (i.e. recorder, clerk of courts, etc.) can be extremely helpful Predatory Lending Solutions Local Impact Research – Montgomery County • A study funded by the Dayton Foundation through the project and conducted by the Center for Business and Economic Research (CBER) was released by the PLS project in October 2001, revealed the role of predatory lending in Montgomery County. Entitled Predation in the Subprime Lending Market, the report concluded that mortgage foreclosure filings in the County increased from 1,022 to 2,451 over the period from 1994 to 2000. In addition, as the volume of loan foreclosure filings increased throughout the County, the relative share of filings in suburban jurisdictions increased. Predatory Lending Solutions Local Impact Research – Montgomery County, OH • The study examined a random sample of mortgages associated with foreclosure filings and found that a significant minority of subprime loans involved in the study exhibited interest rates or other features that are predatory in nature. In addition, telephone interviews with over 200 respondents, involved with loans determined to be predatory in nature, concluded that many of the tactics used by predatory lenders at the national level are occurring in the subprime market in Montgomery County. • The study also included an analysis of the data to identify the occurrence of subprime lending with predatory characteristics within neighborhoods throughout the County. The data was geo-coded by census tract. Predatory Lending Solutions Local Impact Research – Montgomery County, OH • The study found that foreclosures in Montgomery County increased by a factor of two and one half times between 1994 and 2000, and that subprime lenders were responsible for a disproportionately high share of that increase. A substantial number of the subprime foreclosures sampled showed signs of predatory lending, including high interest rates, pre-payment penalties and balloon payments. • Telephone surveys also revealed that many of the tactics associated with predatory lending at the national level are occurring in the subprime market in Montgomery County. These tactics include new fees and different loan terms revealed at only loan closing, encouragement to borrow more money, steering prime borrowers into inappropriate subprime loans, and inflated appraisals. Predatory Lending Solutions Local Impact Research – Montgomery County, OH • The study indicated that most of the subprime lenders are doing three to four as many loans with African American borrowers, and two to five as many loans with borrowers whose household income is 50 percent or less of the median household income, when compared with the overall market. Mapping of the mortgage foreclosures between 1994 and 2000 illustrates the rapid spread across every jurisdiction of Montgomery County. While the City of Dayton has the largest percentage, suburban communities have experienced an increase in their share of foreclosures as well as those associated with subprime loans. • The complete study is available online in downloadable format on the Fair Housing Center's website at www.mvfairhousing.com. Predatory Lending Solutions Legislative Education & Advocacy • Unfortunately, Ohio's basic consumer protection law exempts mortgage lenders thereby creating a legal vacuum, that led a former attorney with the National Consumer Law Center to describe Ohio as ―ground zero‖ for predatory lending and has consequently resulted in one of the highest foreclosure rates in the country. • The project is currently an active member of the Ohio Coalition for Responsible Lending, which advocates statewide comprehensive legislation to address the epidemic problem of predatory lending. Predatory Lending Solutions Legislative Education & Advocacy • Because Ohio is one of only two states in the country to offer lenders a ―safe harbor‖ exemption from the most basic consumer protection law, the Consumer Sales Practices Act, abusive lenders have been able to ply their trade to extraodinary levels throughout the state. The PLS project felt that the legislature needed to answer their constituents about why this exemption existed. • We developed a ―sound bite‖ to use with the media -- • "Ohioans have more protection when they purchase a toaster, than they do when they purchase or refinance their home." Predatory Lending Solutions Legislative Education & Advocacy • When we took this issue to the Ohio statehouse, the industry was well- prepared, and unfortunately, the Ohio legislature adopted a ridiculous law that essentially codified existing federal law into state law. In addition, the legislature created a ―Predatory Lending Study Committee‖ to study the issue and make recommendations for additional legislation and/or regulations. • So when the state-wide Predatory Lending Study Committee came to town for their hearing, the PLS project coordinated a community response, ensuring that victims and consumer advocates were in attendance at the public hearing to provide testimony and insight into the problem in the Dayton area. Predatory Lending Solutions Project Results to Date By Component Legislative Education & Advocacy Predatory Lending Solutions Project Results to Date By Component Legislative Education & Advocacy Predatory Lending Solutions Coalition Building • The PLS staff continues to make referrals for new and existing clients as the project progresses; and we continue to establish relationships and coalitions with other agencies involved in the fight against predatory lending and evolve existing relationships with: • Local government officials & agencies — Montgomery Co. Recorder, Auditor, County Prosecutor's Office, City of Kettering, COUNTY CORP, City Wide, Habitat for Humanity, and the Better Business Bureau • Individual Realtors® and loan officers • State organizations — The Ohio Coalition for Responsible Lending Predatory Lending Solutions Coalition Building • State government agencies — the Dept. of Commerce – Consumer Protection Division and the Division of Financial Institutions • State politicians — provide information to our elected officials and candidates for Ohio offices up for re-election • National agencies — the National Consumer Law Center (NCLC), AARP, the National Fair Housing Alliance (NFHA), National Community Reinvestment Coalition (NCRC), and the National Association of Consumer Advocates (NACA) Predatory Lending Solutions Key Findings & Outcomes Key Finding: Predatory Lending & Fair Housing • The Violations of the Fair Housing Act and ECOA may include: 1) Targeting African-American, Hispanic or elderly households for marketing of higher priced and unequal loan products; 2) Treating minorities differently than comparably credit worthy whites in the loan application process and/or in the terms of the loan. • For example, a subprime lender's mortgage brokers disproportionately steer African-American women to higher-rate loans in order to receive kickbacks in the form of a yield-spread premium; 3) Establishing, implementing, or maintaining policies and practices that may appear neutral on their face but have a disparate impact on protected classes. Predatory Lending Solutions Key Findings & Outcomes Key Finding: Predatory Lending & Fair Housing • The PLS project feels that predatory lending and more broadly, the unfair and unequal access to credit and capital, particularly as it relates to housing financing, is perhaps the most important civil rights issue in an increasingly market-based and global society. Predatory Lending Solutions Challenges • Lack of capacity to handle need – staffing, resources, time • Lack of knowledge, need for training of all staff • Lack of knowledge, need for training for any new-hire staff • Lack of adequate remedies, either legal or administrative to effectively and systemically address the problem • Lack of sufficient alternate financing options for victims Predatory Lending Solutions Challenges • Lack of sustainable funding for a problem that is clearly epidemic in size and expected to be significant for at least the next 5 – 10 years • Lack of adequate legislation to address the problem • Financial industry resistance to additional regulation • Aged client population, risk of death before resolution of case • Victims for whom intervention is not successful often end up homeless Predatory Lending Solutions For additional information: www.dontriskyourhome.com Predatory Lending Solutions Thank You
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What, pray, is the Prime Minister doing in Good Housekeeping? What is the Leader of the Opposition doing on Des O'Connor? Mr O'Connor appeared as surprised as anyone, but was reassured by Blair; once installed at No 10, he intends to come straight back, and bring the whole family along. This incarnation of PM as bloke in the pub was first brought to us by Major, Ordinary John from Brixton. It is no credit to the Labour leader that he seeks to reinvent himself likewise. An easy-listening account of Tony Blair is not real; Cherie Blair QC as editor of Prima is uncomfortably close to Hillary Clinton, the home-baked cookies expert. It will come unstuck. The Tory press, as this fine-spun Labour Party should know, may have indulged much of Major's faux blokeishness, but will be ruthless in catching Blair out. A sophisticated electorate expects nothing less from its MPs than the odd slick, expedient lie from time to time. What it will find so disappointing in these stabs at self-embellishment is their amateurishness. If your sister-in-law tells you her Christmas gift is just what she wanted, all will be well. It is only if she cannot keep her voice down when confiding to Uncle Arthur that she would rather die than wear it, that the problem arises. Blair could have said the plane was only going to Birmingham, and the story would have been better. Major need not dream up pet names to deny he sits at home counting peas over dinner with Norma. Yet these needless, embarrassing lies - or acts of dissembling, should we say - are inevitable, if leaders persist in turning themselves into Oprah Winfrey sofa fodder.
Tony Blair was elected leader as a dynamic, young, but above all brilliant man. He is being transformed into a cardy-loving ass. And now the Labour Party is anxious that Blair's "personality" is becoming a bit of a problem. Even the Spice Girls have a problem with it. Women voters at large, we have learned, are not so sure about him any more. In turn priggish and churchy, then smarmy, then bossy - this is indeed a serious problem. Yet it is one which need never have arisen, had he not set about trying to be an improbably well-rounded fellow. Margaret Thatcher made no secret of her dour Grantham background, nor did she ditch Iron Maiden mystique for mateyness. But nor, New Labour could counter, did we ask her to. Could it be that we, the voters, have muddled up democracy with the notion that politicians should be boys-and girls-next-door? Or confused the requirement that a politician be of sound character, which is not unreasonable, with a demand that he or she be a lovable character, which is quite unnecessary. As fast as we are calling for committees to ensure our politicians tell the truth, Blair may complain, we are requiring new and elaborate ways in which they are to be inauthentic.
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Kusama Nowaki
|Japanese name:
Nowaki is a 24-year-old man, despite the fact he looks a lot younger.
Orphaned without a name as an infant, Nowaki was named by the head of the orphanage. His name "Nowaki" means "typhoon" in Japanese, because he was found on the orphanage's doorstep in a heavy rain storm. He is a self-made young man, juggling between numerous jobs and still finding time to study on top of that. Every month he donates to the Orphanage which is only a hint at how huge his heart is.
He is intelligent and his studies go well. Trying to give it the best shot he can, he moved to the USA for a year in order to become a paediatrician. Once back in Japan, he becomes an intern in hospital.
His path crosses Hiroki's by pure hazard. For him, it is love at first sight. Any excuse is good for getting to know Hiroki, so he decided to convince him into being his tutor. Calm, dedicated and daring sometimes, the balance of his love with Hiroki is extremely controversial in their relationship, and it makes things hard for them.
Nowaki tends to push Hiroki into doing things with him as he's the one in control, this normally works because Nowaki is very strong. In truth Nowaki pushes all his love onto Hiroki, because he doesn't want the relationship to end.
Seiyuu: Canna Nobutoshi
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Eastalite™ Copolyester Eastalite ™ Foamed Copolyester MP007F with nonporous Eastar ™ Copolyester 6763 skins is an opaque, amorphous material with a closed foam structure useful for medical packaging. It is normally white/pearlescent in appearance but may also be colored using Eastman resins and concentrates. Key Characteristics: . Can be recycled with other copolyesters for use in nonmedical post-consumer markets. Color and functional stability following ethylene oxide (EtO), gamma or e-beam... (read more)
Precision Glass Micro Bore Tubing Glass has advantages over plastics and metals in certain applications. Glass flow restrictors provide precise control of administered medication through the application of Poiseuille's Law with modern glass drawing technologies. The commercially available glass is: Producible with an inside diameter as small as 25 μm ± 1 μm (micron). Dimensionally stable and uniform over a specific length. Inert. Non-reactive to drugs. Custom-sized to IV tube sets. Suitable for ETO / E-Beam / Gamma... (read more)
What Are Glass Micro Bore Flow Restrictors? compliance with your specifications. Glass Micro Bore Tube Features. Producible with an inside diameter as small as 25 microns ± 1 micron. Dimensionally stable and uniform over a specific length. Inert and Non-reactive to drugs. Custom-sized to IV tube sets. Suitable for ETO / E-Beam / Gamma Radiation sterilization methods. Economically produced to custom applications (sizes, geometries, lengths, lumens, bores.). Compatible with UV adhesive curing. Precision Glass Flow Restrictor Applications... (read more)
Qosina Corp.
Qosina Small Bore Connector, a Luer Alternative connector can be EtO, e-beam or gamma sterilized. The SRC allows for tubing rotation to help avoid accidental disconnection or kinked tubing and features a unique elastomeric seal with a smooth, gap-free flow path that eliminates stagnant flow areas. Qosina offers a variety of components to complete your project including tubing, clamps, and additional non-luer connectors. The SRC series is in stock and ready for immediate delivery. . Qosina is a worldwide supplier... (read more)
Qosina Corp.
New Kynar® Connectors from Qosina with a balance of physical and chemical properties, and is used in applications requiring the highest purity, strength, and resistance to solvents. These natural colored components are Autoclave, E-Beam, EtO, Gamma and Steam sterilization compatible. Qosina offers an array of barbed luers in various sizes and materials including ABS, nylon, polycarbonate, polypropylene and PVC. In addition, Qosina carries a variety of Tygon ®, C-Flex ®, and silicone tubing. Qosina... (read more)
Master Bond, Inc.
Biocompatible, Addition Cured Silicone Formulated for medical device applications, MasterSil 153Med passes USP Class VI and ISO 10993-5 testing. This two part silicone with a paste consistency features a convenient one to one mix ratio by weight, and does not require exposure to air and humidity for cross-linking. It has a long working life of 5-7 hours and will not outgas while curing. As is true with most silicones, MasterSil 153Med delivers high temperature resistance up to 400 °F and superior flexibility. Its flexibility... (read more)
Conduct Research
...the company a personalized service, as well as materials-testing and analytical capabilities. Acsion provides bioburden reduction and cross-linking services to the medical products industry, in addition to E-beam sterilization. Validation, expert advice, and consultation are all additional services...
Electrical Conductive Adhesives with Nanotechnologies
This system cross - linked upon e - beam irradiation as well.
Thermal property improvement of ethylene�?octene copolymer through the combined introduction of filler and silane crosslink
This equation has been successfully applied to determine the crosslink con- tent in the system of E - beam crosslinked LDPE22 and to explain the crosslink phenomenon in silane- crosslinked materials as well.24 The tensile test was carried out using an...
Advanced Materials for Integrated Optical Waveguides
Upon exposure to actinic radiation (e.g., UV or e - beam ), these monomer systems form highly crosslinked networks, which exhibit low intrinsic absorption in the wavelength range extending from 400 to 1,600 nm.
Advances in polymer integrated optics
Upon exposure to actinic radiation (e.g., UV or e - beam ), these monomer systems form highly crosslinked networks, which ex- hibit low intrinsic absorption in the wavelength range extending from 400–1600 nm.
Polymer�?Based Optical Waveguides: Materials, Processing, and Devices
Upon exposure to actinic radiation (e.g., UV or e - beam ), these monomer systems form highly crosslinked networks, which exhibit low intrinsic absorption in the wavelength range ex- tending from 400 to 1600 nm.
Thermo-optically active planar polymeric components for telecommunication applications
Upon exposure to actinic radiation (e.g., UV or e - beam ), these monomer systems form highly crosslinked networks, which exhibit low intrinsic absorption in the wavelength range extending from 400 to 1600 nm.
Effect of electron beam radiation on tensile and viscoelastic properties of styrenic block copolymers
The E - beam radiation introduced chemical crosslinking network to the system .
Investigation on the mechanism of the 193-nm resist linewidth reduction during the SEM measurement
This ruled out the possibility of cross - linking for this acrylate resist system during the e - beam curing process.
Radiation�?curable carbon fiber prepreg composites
Take a cured system and ex- pose it to E - beam to enhance the crosslinking .
Top surface imaging lithography processes for I-line resists using liquid-phase silylation
The impact of different silylating agents on Shipley SPR505A resist system is presented for both the UV exposed and e - beam crosslinked regions of the resist.


text:
$2,000 1 bed 336 E 90th St, New York NY, 10128
Previously Listed: $2,000 1 bed
336 E 90th St, Upper East Side, New York, 10128
Commute to Downtown Cliffside Park
336 East 90th Street is a 11 minute walk from the 4 Lexington Avenue Express, the 5 Lexington Avenue Express and the 6 Lexington Avenue Local at the 86 St stop.
This apartment is in the Upper East Side neighborhood in New York. Nearby parks include Ruppert Park, Dekovats Park and Henderson Place Historic District.
336 East 90th Street has a Walk Score of 99 out of 100. This location is a Walker's Paradise so daily errands do not require a car.
One bedroom apartmentBond New York is a real estate broker that supports equal housing opportunity. 631575
Pets allowed: No
No reviews found. Be the first to write a review.
Upper East Side, New York, 10128
Daily errands do not require a car.
World-class public transportation.
Flat as a pancake, excellent bike lanes.
Score Details
Explore how far you can travel by car, bus, bike and foot from 336 East 90th Street.
336 East 90th Street is a Rider's Paradise which means world-class public transportation. Car sharing is available from Zipcar, Hertz On Demand, Enterprise CarShare and RelayRides.
Rail lines:
4 Lexington Avenue Express
0.4 mi
5 Lexington Avenue Express
0.4 mi
6 Lexington Avenue Local
0.4 mi
A 8 Avenue Express
1.2 mi
B 6 Avenue Express
1.2 mi
C 8 Avenue Local
1.2 mi
3 7 Avenue Express
1.4 mi
2 7 Avenue Express
1.4 mi
Bus lines:
M15 East Harlem - South Ferry
0.0 mi
M86 Yorkville - West Side
0.1 mi
M31 Yorkville - Clinton
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M15-SBS East Harlem - South Ferry
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336 East 90th Street is in the Upper East Side neighborhood. Upper East Side is the 19th most walkable neighborhood in New York with a neighborhood Walk Score of 98.
Moving to New York from another city? View our moving to New York guide.


text:
This is weird. Earlier, running Windows 7 x64, I had trouble calling the Win32 OpenProcess against 64-bit processes. Googled around a bit, and came to the sinking conclusion this just wasn't gonna happen.
Then a funny thing happened. I tried it against the process ID for explorer.exe, and holy carp, it worked! Started throwing other process IDs at it, and it's just a darned crapshoot.
As it turns out, I can call OpenProcess against a good number of x64 processes -- explorer, itype, ipoint, taskhost, cmd, mstsc, ..., etc.
And others pop a 5 (Access is denied) -- winlogon, csrss, services, svchost, mdm, ...
I'm confirming the "bitness" and process ID using Process Explorer. Plus, calling GetModuleFileNameEx on 64-bit processes always fails, so that offers a double-check for 32/64.
This is the code:
' Get a handle to the process.
hProcess = OpenProcess(PROCESS_QUERY_INFORMATION Or PROCESS_VM_READ, 0, ProcessID)
If hProcess Then
' Grab the filename for base module.
nChars = GetModuleFileNameEx(hProcess, 0, Buffer, Len(Buffer))
' If running in x64, http://winprogger.com/?p=26
If Err.LastDllError = ERROR_PARTIAL_COPY Then
nChars = GetProcessImageFileName(hProcess, Buffer, Len(Buffer))
End If
' Truncate and return buffer.
If nChars Then
GetProcessFileName = Left$(Buffer, nChars)
End If
Call CloseHandle(hProcess)
Debug.Print "LastDllError:"; Err.LastDllError
End If
Nothing fancy. Just want to query the processes for things like filename or process times. Anyone have any idea what differentiates between the ones I can open and the ones I can't?
Extra info: Running process as administrator. UAC turned off. Yes, it's a 32-bit app. I have had no better results using PROCESS_QUERY_LIMITED_INFORMATION.
Thanks... Karl


text:
Manga News: Check out these new manga (6/29/15 - 7/5/15).
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text:
I have developed application for drawing some shapes (lines mostly) , now i need to be able to store sketch to a file, i know that delphi has build in routines for object persistance, but i have never used it.
Can someone tell me can object persistence be used if i have to persist object that have also references to other objects (that will be stored to), i have TLine object wich can be connected to other TLine object etc.
Is it better to use this feature or write custom procedure to store/read object to/from file.


text:
Visit our other Wisconsin Historical Society websites!
Refine or narrow your results by clicking any term in the gray boxes below.
Expand your results by removing any breadcrumb in a gray outlined box above. Click on the blue "X" to remove the term.
Narrow your results by entering a keyword into the search box above. Then click the "Search Within" checkbox, then click on the orange "Search" button.
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Date: 1870
Description: During the War of 1812, the only battle fought in Wisconsin was in Prairie du Chien, in 1814. Made fifty-six years later, this birds eye drawing depicts th...
Date: 1830 ca.
Description: This map is ink, color, and pencil on paper and shows streets, farm lots, and a church. Hand written notes appear at the bottom of the map and are very li...
Date: 1875 ca.
Description: Head and shoulders oval ortrait of John Muir (1838-1914), taken about 1875.
Date: 1840 ca.
Description: Fort Crawford (the second site, with buildings of 1829-?), on the east bank of the Mississippi River, about 2 miles above the mouth of the Wisconsin River.
Date: 1880
Description: Artesian Well, located near the intersection of Wisconsin Street and South Minnesota Street (since renamed Wacouta). It was dubbed by some to be the "Grea...
Date: 1865 ca.
Description: Kane's Hotel, built in about 1839 by Ezekiel Tainter, and then called the Phoenix Hotel, on Main Street. It passed through many hands but retained the orig...
Date: 1898 ca.
Description: Elevated view of the Kickapoo & Northern Railway locomotive and cars seen here after being derailed due to flooding on the Kickapoo River.
Description: The old Indian agent's house.
Date: 1838
Description: This map is a development plat that shows street names, numbered blocks and lots, and small farm lot owners. Included on the right of the map is a large a...
Date: 1817
Description: Forth Crawford (1816-1831).
Date: 1895
Description: View down road with three houses and a barbershop lining the street. A lamp post is on the left of the image.
Description: Group of people on the front porch, weighing the guests. A visit was considered successful if the guests weighed more when they left.
Date: 1828 ca.
Description: This map is pen-and-ink and served as the model for the lithograph produced in 1828 by C.B. Graham. Landowners are labeled as is the Mississippi River.
Date: 1890 ca.
Description: This is a plat map of "Wauzeeka" drawn in pencil. The map shows numbered lots, labeled streets, the Kickapoo River, and railroads. The map reads: "Laid out...
Date: 1895 ca.
Description: Fort Crawford Military Cemetery. Photograph made before restoration by the United States Government. Soldiers' families were also buried in the cemetery.
Date: 1878
Description: Illustrated map of Crawford County. On the bottom right is an inset of a group of people near a train on a railroad track.
Date: 1853-06
Description: This map is ink, pencil, and color on paper and shows lot and block numbers and dimensions, sold lots, streets, and the Mississippi River. Some lots are co...
Description: Stereograph view of Black Hawk Avenue.
Description: Stereograph of artesian well, apparently not the same one that was located near the intersection of Wisconsin Street and South Minnesota Street (since rena...
Description: Photograph of a painting of the second Fort Crawford, built 1829-1835. The first Fort Crawford at Prairie du Chien was built in 1816, abandoned in 1826, r...
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text:
VIEWS: 2 PAGES: 5 POSTED ON: 10/18/2012 Public Domain
Psychology 201: Mind and Brain Winter 2011 (150 Columbia): Tues/Thurs 4:00-5:50 Instructor: Dr. Margaret Sereno 211 Straub (346-4915), firstname.lastname@example.com Office hours: Mon 2:30-3:30 & Wed 4:00-5:00 or by appointment Graduate Teaching Fellows: Alex Bies: 219 Huestis Hall, email: firstname.lastname@example.com, phone: 346-6302, office hours: Thurs 12-1 & Fri 2-3. For students with A-K last names. Katie Janowski: 353 Straub Hall, email: email@example.com, phone: 346-4966, office hours: Wed 12-2. For students with L-Z last names. Course Content: This course covers experimental approaches to the study of the human mind and brain. Topics covered include the organization of the nervous system, sensation, perception, attention, learning, memory, and language. Course website: http://blackboard.uoregon.edu PSY 201 (Winter 2011; 25038), Mind and Brain This site will provide important supplemental information for the course (syllabus, reading, lecture slides, study guides, grades, etc.). Required Material: Psychological Science by Gazzaniga, Halpern, & Heatherton (2010, 3rd edition) + ZAPS Online Labs Access. In addition, supplemental reading is posted on Blackboard. A copy of the text is on reserve at the Knight Library (available for a 2 hour checkout period). IClickers: IClickers are small hand-held transmission devices that allow you to provide an immediate response to questions I pose in class. They are sold at the UO Bookstore. The bookstore buys your clicker back for half the sales price. It is very important that you bring your Clicker with you to class! Course Format: The material in this course will be presented through a combination of assigned readings from the text, class lectures, in-class discussions, and demonstrations. In addition, on-line laboratory assignments will be used to explore experimental research methods. Lecture material and readings will have some overlap, but will not be replications of each other; some lecture material will not be covered in the readings and vice versa. You are expected to do the assigned reading before the class period in which it is due. Reading the material before the corresponding lectures will help your performance – discussions of the material during lecture will be more fruitful if you have at least a general understanding of the material beforehand, helping you to ultimately comprehend and retain the material. Each of the non-lecture parts of the course (discussions, readings, demonstrations, movies, on-line labs) are designed to reinforce ideas and augment concepts presented in lectures. Questions are encouraged in all parts of the course and students are welcome to stop by my office for questions and/or discussions during my office hours or additional appointments. You can also take advantage of the TA's office hours and there will be a FAQ section on the Blackboard course web page where you can post questions for which you will usually get an answer within 24 hours. It is my hope that by the end of this course you will have a new appreciation for how you perceive and interact with the world and how the world influences your behavior. Grading: Your final grade will be based on 4 Exams (70% total), the Online Lab grade (20%), and the Research Participation grade (10%). All grades are determined on a curve. The final grade is an average of performance on the 4 exams (your lowest exam score will count for 10% while the other 3 exams will count for 20% each), the online lab grade (which counts for 20% of your grade), and the research participation grade (10% of your grade). Exams (70%): There will be 4 multiple choice examinations. Each exam will cover material from the lectures and reading assignments for the period immediately preceding the exam. No overall comprehensive final exam is given. Your lowest exam score will count for 10% while the other 3 exams will count for 20% each. No makeup exams will be given without a valid, excused absence. You will need to present a documented excuse (e.g., doctor's note, court order, or documented athletic events such as away games for student athletes) for a missed exam in order to take a makeup exam. The documented excuse must be presented before (if possible) or ASAP following the exam. Makeup exams may be essay-style and will be administered during the final exam period to only those students with previously excused absences. Online Labs (20%): Part of your experience with this class will be an online component in which you perform activities associated with the material covered during lectures. The activities will be delivered through a web-based program called ZAPS, which is part of the book package when bought through the UO Bookstore. Many of these activities consist of participation in a short experiment followed by a few online questions which need to be answered on Blackboard. Your Online Lab Grade will be based in equal parts on participation in the experiments and correctly answering the associated questions. We will devote about an hour a week to introducing these activities and discussing the results of the experiments in which you participate. These sections of the lecture will be presented by the Graduate Student Teaching Fellows. Research Participation (10%): The psychology department requires that all students enrolled in introductory courses (201 and 202) participate in psychology research. You will be expected to complete 4.5 hours of research participation. There are two options for completing the research requirement in this course. You can choose one or a combination of both options to complete the 4.5 hours. If you don't complete the requirement, you will get an incomplete in the course. When/if you complete the requirement, you will get the grade you would have earned at the end of the term (note that UO policy is that all incomplete grades become F grades after one full year). Option 1. You may participate in the Psychology and Linguistics Departments' Human Subject Pool and get experience as a subject in real psychology experiments. Psychology and Linguistics researchers run many experiments on varied topics (e.g., psychological coping, perception, attention, social interaction). An important part of the introduction to psychology is some understanding of how research is conducted and a partial perspective on this can be gained by participating in research as a subject. To participate in experiments, you can sign up on an electronic bulletin board at: http://uopsych.sona- systems.com but start soon! Most "incompletes" due to research participation are because students procrastinate on this assignment! When you go to this site, there will be an option for you to request a username and password. Once logged in, you will find a list of studies that are available to you, as well as when and where these studies take place. After participating in a study, you will be electronically credited for the time allotted for that study. You need to complete 4.5 hours of studies (not necessarily the same thing as 4.5 studies!) of experimental credit by no later than Friday March 11, 2010. For further information, see intro_presentation.ppt on the blackboard site, or email the Human Subjects Coordinator, email@example.com with questions. IMPORTANT OPTION 1 ISSUE: Note that if you fail to show up to TWO studies without good reason, you will not be allowed to complete Option 1 to meet your Research Participation requirement, and will, instead, need to complete Option 2 to meet your Research Participation requirement and to receive a grade for the course. Option 2. You may also fulfill all or part of the research participation requirement by reading assigned research articles. Each article you read will count as 1 credit and take about one hour to read thoroughly. You will gain knowledge of the methodology used in psychology studies by reading about, rather than experiencing, the methods. There will also be a ½ credit option if you choose to complete the research participation requirement without participating in any studies. This will consist of a tutorial and quiz available online that will take about 30 minutes to read and complete. To get more information about this online quiz, ask your instructor or TA. Research Experiment Reports (RERs). In order to ensure that you understand the researchers' topics and hypotheses, you will need to complete a RER electronically on Blackboard after participating in either option, above. For Option 1, you will need to complete RERs for two of the studies you complete; these will be graded. For Option 2, you will be required to complete an RER for all of the articles that you read. Check the schedule for dates and times at which each RER needs to be completed. After that date, 2 points will be deducted for each day the RER assignment is late. Extra Credit (up to 1% point to be added to the exam score total): Pop quizzes (consisting of 1 or 2 questions) which will cover lecture content will be administered in-class periodically throughout the course. Students with Disabilities: If you have a documented disability and anticipate needing accommodations in this course, please make arrangements to meet with the instructor as soon as possible. Also, please request that the Counselor for Students with Disabilities send a letter verifying your disability. Students for whom English is a Second Language: If you are a non-native English speaker and think you may have trouble in this course due of language difficulties, please see the instructor as soon as possible to make special arrangements. Classroom Etiquette: This is a very large class. Students in large classes often believe they are invisible, that they will not be noticed, and that any one's individual behavior does not count. Not true! You can make a difference by listening attentively, asking questions, and contributing to discussions. I will make every effort to facilitate classroom interactions and to address every question. Just as actively engaged students have a positive influence on the classroom environment, activities like talking to your neighbor, texting, coming late, leaving early, personal grooming, reading the newspaper, sleeping, or cell phone use (very bad!) can be extremely disruptive. PLEASE make sure that you and your fellow students get the most from this course by abstaining from such activities. Academic Honesty: All work submitted in this course must be your own. For the consequences of academic dishonesty, refer to the Schedule of Classes published quarterly. Violations will be taken seriously and are noted on student disciplinary records. If you are in doubt regarding any aspect of these issues as they pertain to this course, please consult with the instructor before you complete any relevant requirements of the course. (For more information, see the UO web site regarding student conduct at: http://studentlife.uoregon.edu/). Course Outline: Week&Day Topics Readings 1 1/4 Introduction + HistoryChapter 1 1/6 Research Methods Chapter 2 2 1/11 The Nervous System: Chapter 3--Neurons & Nervous System Organization (pp. 92-110) 1/13 The Nervous System Chapter 3--Cerebral Cortex (pp. 110-113) Chapter 4--Cerebral Cortex (pp. 133-144 & 165-174) 3 1/18 The Nervous System Chapter 3--Brain Plasticity (pp. 120-128) + 1/20 EXAM #1 pdf posted on Blackboard 4 1/25 Sensation Chapter 5--Psychophysics (pp. 179-186) + Sensory Processing (pp.187-212) 1/27 Sensation Neural Coding--pdf posted on Blackboard 5 2/1 Perception Chapter 5--Depth Perception (pp. 213-224) 2/3 Perception Chapter 5--Perceptual Processes (pp. 224-231) 6 2/8 EXAM #2 2/10 Attention Chapter 7--(pp. 281-285) 7 2/15 Learning Chapter 6 2/17 Learning Chapter 6 8 2/22 Memory Chapter 7--(pp. 286-304 & 325-327) 2/24 EXAM #3 9 3/1 Memory Chapter 7--(pp. 305-325) + Chapter 8--(pp. 332-339) 3/3 Language Basics--(pdf posted on Blackboard) 10 3/8 Language Aphasia--(pdf posted on Blackboard) + Ape Language--(pdf posted on Blackboard) 3/10 EXAM #4 11 3/16 *Makeup EXAMS 1:00pm Wednesday of Finals Week in 150 Columbia -------------------------------------------------------------------------------------------------------------------- *Note: There is no Final Exam (pre-approved Makeup Exams are given during the Final Exam slot). Other Important Due Dates: Wednesday February 9th at midnight: 1st RER quiz for research or 1st and 2nd RER for the paper option. Friday March 11th at midnight: 2nd RER quiz for research or 3rd and 4th RER for the paper option + Last day for research participation. Note: 2 points will be deducted for each day the RER assignments are late.
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text:
Here's what's new in iOS 9 for device management in enterprises and schools
Apple didn't have time to share any enterprise or eduction device deployment features in last week's WWDC keynote but there's plenty of new management features in iOS 9.
Apple didn't have time to share any enterprise or eduction device deployment features in last week's WWDC keynote but there's plenty of new management features in iOS 9.
Ad-blockers can protect a user's privacy by preventing browser tracking.
The ability to upgrade to iOS 9 is no guarantee that you'll get access to all those cool new features you saw being demoed for the iPad at the WWDC 2015 keynote.
Microsoft is continuing to roll out monthly updates for its Intune device-management service. Here's what's in the batch for May.
Easily picking up an app where you left off between phones, tablets and other devices is what Flow delivers. It's not quite as seamless as similar features in iOS 8 though.
These three new features might have you considering to use Chrome instead of Safari on your iOS device for faster browsing and easier navigation.
Microsoft continues to improve its mobile mail client with new functionality and visuals for both Apple iOS and Google Android.
Microsoft continued to improve its mobile mail client for both Apple iOS and Google Android with new features and visuals.
Version 10 of Todoist for iOS brings several key features that make task management a breeze, including a more intelligent engine to recognize dates in various languages.
Apple's next-generation mobile software is expected to land on iPhones and iPads later this year in a widely anticipated public beta. Here's what we hope to see.
If you're a Dropbox user who owns an iPhone or iPad, then your life is about to get a lot more productive.
Microsoft has begun adding some of the features demanded by IT to its Outlook clients for iOS and Android, with more to come in the 'coming weeks and months.'
Microsoft's Yammer enterprise social-networking team is rolling out new capabilities for Yammer on iOS, OS X and Android devices.
Jealous of the tight integration between iOS and OS X 10.10 Yosemite? Feel left out because you use an Android device on Windows? Wish there was an easy way to send files to your Android device? You need AirDroid 3.
Features in the latest versions of iOS and OS X could be reason enough for small businesses to go all in with Apple devices.
The latest version of Apple's mobile operating system is out, and so is its wireless payments system, Apple Pay, designed for the latest iPhone 6 and iPhone 6 Plus.
The iPhone and iPad giant is dishing out its latest mobile operating system, iOS 8, with the latest features and greater support for enterprise users.
A Chinese netizen posted pictures and video of the suspected next-generation iPhone on Sina Weibo on Saturday, showing off the features of the iOS 8 system, health app as well as the smooth screen unlocked through Touch ID.
iOS 8 will brings 4,000 new APIs to Apple's mobile platform, and this means developers are going to have to work hard to both implement new features and deal with bugs rapidly.
Having written IE11 to support web standards, Microsoft is shimming it to handle mobile websites that are not following standards but catering for webkit quirks and/or non-standard features in Apple's Safari on iOS.
Enterprise Software
Perfectly legal ways you can still get Windows 7 cheap (or even free)
How much does an iPhone 6 really cost? (Hint: It's way more than $199)
How to survive an iPhone liquid submersion (hint: it's not rice)
Windows 10


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RadioShack has launched a marketing campaign to let shoppers know that it's still in business.» Read More
June 29- Microsoft Corp said on Monday it will hand over its display advertising business to AOL Inc and AppNexus Inc, and sell some map-generating technology to ride-hailing app company Uber, as it slims down its money-losing online operations. The moves mean Microsoft will focus on its growing search advertising business based on its Bing search engine, and...
June 29- Microsoft Corp will close its web display advertising business, handing operations over to AOL Inc and AppNexus Inc and cutting about 1,200 jobs, Bloomberg reported. Some of the affected employees will be moved to AOL and AppNexus, while some more will be offered positions at Microsoft, Bloomberg said, citing a person with knowledge of the matter.
Facebook has opened its first sales office in Africa, in Johannesburg, South Africa, the company said Monday.
Now that same sex marriage is legal, the intimate, small LGBT wedding is expected to get a lot bigger.
*WPP's Sorrell says trading tough this year. In separate interviews on Friday, Martin Sorrell of WPP and Maurice Levy of Publicis sounded cautious about the prospects for the advertising market, citing a lack of vibrancy in the U.S economy, weakness in Brazil, Russia and China, and Europe's continued fragility. For his part, Sorrell said that the major companies...
One recent afternoon at Times Square's Knickerbocker Hotel, two major advertising executives got to talking about the past, present and future of ads.
Niamh Byrne, chief Operating Officer of iQNECT, introduces the mobile platform which uses augmented reality technology to connect printed materials with digital, interactive content.
WPP CEO Sir Martin Sorrell is teaming up with Snapchat and The Daily Mail to form a content marketing agency called Truffle Pig. The Daily Mail North America CEO Jon Steinberg, provides insight.
Facebook showed advertisers its vision for mobile advertisements at Cannes Lions. CNBC's Kayla Tausche and Jon Steinberg discuss Facebook reaching all-time highs.
WPP CEO Sir Martin Sorrell is teaming up with Snapchat and The Daily Mail to form a content marketing agency called Truffle Pig. Also, Sorrell discusses the partnership with Alex Da Kid.
Twitter may see its market opportunities decline as Facebook integrates more news into its users' feeds, Internet analyst Mark Mahaney tells CNBC.
CNBC's Kayla Tausche reports Twitter is capturing a lot of attention as the social media company seeks a new CEO.
At the industry's biggest annual conference in Cannes this week the main topic of conversation among the 13,000 delegates is the 18 companies- from consumer products giants Proctor& Gamble and Unilever to automakers like BMW and Volkswagen- that have decided to re-think which agencies they want for marketing advice. The reviews are an unnerving prospect for...
CNBC's Julia Boorstin reports Facebook's chief product officer is giving Madison Avenue a sneak peak of its vision for mobile ads.
J.Clifford Hudson, Sonic Corp. chairman & CEO, breaks down his company's quarterly results and weighs in on competing in the fast casual dining space.
Discussing leaders in the video advertising space, with Gene Munster, Piper Jaffray, and Mark Stevens MSCO CEO.
Slava Rubin, Indiegogo.com CEO, joins the Squawk Alley panel to discuss Facebook and their new business strategy ideas.
LONDON, June 22- Surging growth in advertising via mobile phones and tablet computers will help Internet advertising overtake television as the dominant medium for global ad spending by 2017, a leading media buyer forecasts. The forecasts, based on media buying and planning trends detected by the company's local offices or affiliates, see the Internet...
NEW YORK— Shares of AirMedia soared Friday after the Chinese advertising company said it received an offer from its CEO and other executives to buy the company and take it private. AirMedia said Chairman and CEO Herman Man Guo, and unnamed managers, offered to pay $6 per American depositary share, a 70 percent premium from its Thursday closing price of $3.52.
June 19- EBay Inc said it has sold its 28.4 percent stake in Craigslist Inc back to the online classified advertising company. The companies have been feuding for years in civil court over allegations that eBay took a stake in Craigslist and then misappropriated confidential information while secretly planning its own classifieds site.


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Goshen, Alabama: Country Homes, Houses, and Rural Real Estate
235 acres Goshen, AL235.00 acres 9206 Highway 29 South, Goshen, AL 36035- Pike County
Status: Under Contract Type: Residential
Beautiful property in an outstanding area with an estimated $200,000 in growing pine and hardwood timber that will continue to increase in volume\. The property includes 235 acres with a 12 acre lake complete with a deck, pier and boat house\. There are two houses, one a relocated historic house that sits in specimen pine trees overlooking the peaceful lake\. This house is 1700? and includes a large porch facing the lake\. The second house is a practically new, 2600? modular home with 4 bedrooms, 2 baths, 4 car carport, decks and covered porches\. There are 4 large chain link dog runs\. There is a separate 3 story, 2400? building that includes a fully secure 800? storm shelter in the basement and two floors above that are perfect for a shop
Dale Walker Mossy Oak Properties Alabama Land Crafters
165 acres Goshen, AL165.00 acres 9206 S. Hwy 29, Goshen, AL 36035- Pike County
Status: Active Type: Residential
Whether you?re searching for a simple hunting retreat, or a laid-back vacation place, or a compound for family reunions, this property has what you need\. The 1600 sq. ft. house is the ideal hunting cabin, with a front porch overlooking the 12 acre spring-fed lake\. The 2,500 sq\. ft. modular home can accommodate your family and guest or perhaps a caretaker\. The lake is stocked with bass and has been managed with a fertilization program and two feeders for more than 8 years\. There are approximately 145 acres of pine plantation and mixed hardwoods that haven?t been leased for hunting for two years, and there are plenty of deer (see the pics of deer around the feeder), turkey and other wildlife\. In addition to the two houses, there is an 8
Dale Walker Mossy Oak Properties Alabama Land Crafters
27 acres Goshen, AL27.00 acres 6089 Co Rd 2290, Goshen, AL 36035- Pike County
Status: Active Type: Acreage w/House 3 Beds | 2 Baths | 2140 SqFt
Immaculate new home built in 2014 situated in the middle on 27 +/- ac of large natural hardwoods & pasture land! House has 3 bedrooms, 2 baths, large open living room & kitchen area, front & back covered porches, 2-car garage and too many upgrades to list! Living room has trey ceilings. Beautiful hardwood & tile floors. Kitchen has beautiful custom-made cabinets and 2 deep cast-iron sinks, dining area & separate island that can be used as an additional dining space. House also has a very large laundry room/pantry. House has an abundance of lighting inside & outside of the home. This property is located on a paved road just south of Troy, AL. Property has an excellent pond site and has an abundance of deer & turkey. Please contact Listing Ag
David Adams David Adams Realty
8 acres Goshen, AL8.00 acres 6197 County Road 2290, Goshen, AL 36035- Pike County
Status: Active Type: Acreage w/House 5 Beds | 2.5 Baths | 3083 SqFt
Wow! 5 bedroom, 2 1/2 bath brick & cedar home located approx 8 miles South of Troy on Henderson Hwy. Beautiful setting w/ 8 +/- acres of beautiful hardwoods and pines w/ groomed grass areas. 9 stall horse barn w/ tack room, office area & dog kennel. Property also has a shed for storing equipment. The home has a covered back porch & a large deck off the second story overlooking the property. Home has 3100 +/- square feet with a beautiful, open den with fireplace. Numerous large windows allow for lots of natural light. Great master suite with beautiful view of the pond and large master bath. 4 additional bedrooms for your family or friends.
David Adams David Adams Realty
70 acres Goshen, AL70.00 acres 9206 S. Hwy 29, Goshen, AL 36035- Pike County
Status: Active Type: Residential
70 -/+ acres with major road frontage and immediate income potential, PLUS 85% financing may be available\. This is an affordable hunting and investment tract with pine plantation, hardwood bottom, live water (creek frontage and a stream) and a potential lake site\. The timber value is estimated at $70,000, plus there are 6 platted lots on the highway for future sale\. Private location but also convenient to town\. We have a lender who will consider making an 85% LTV loan, so you can buy this property with a very low down payment\. The adjacent property is also for sale. Call today for your appointment to see this very nice property.
Dale Walker Mossy Oak Properties Alabama Land Crafters
Holmes St House in Glenwood0.50 acres 400 Holmes St, Goshen, AL 36035- Crenshaw County
Status: Under Contract Type: Residential 3 Beds | 1.5 Baths | 1200 SqFt
Move in ready beautiful 1200 sq ft brick house with metal top in the town of Glenwood, Alabama. It is a 3 bedroom, one and bath with open family room / kitchen with a large formal living room. The master bedroom has a bath and large closet. The kitchen has a drop-in stove, microwave, refrigerator, and dishwasher. The owners are also including a washer and dryer located in the utility room. The house sits on acre and has central heating and cooling. There is a double carport in the front of the house, and the yard is well kept with mature pecan trees and fenced in back yard. The house sits on a slab, and is well maintained. The house is located on a side road with very little traffic so it is quiet and safe for children and animals. The h
Brad Butler Butler Land and Timber Co.
5 acres Goshen, AL5.00 acres 13295 Co Rd 1101, Goshen, AL 36035- Pike County
Status: Active Type: Acreage w/House 1 Bed | 1 Bath | 596 SqFt
This property is private with a small house. This would make a great hunting camp!
David Adams David Adams Realty


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The good: beautiful views, big balcony
The bad: I came here because it was supposed to be a family getaway. I arrived Thursday and told the pools were for adults, except for one, which was only open on weekends. We were there from Thursday and checking out Saturday. had i known I would have opted for different dates. The room was shabby, the linens thin at best. The kitchen was stocked with cheap accessories and plastic bowls. They advertised it as sleeping four comfortably but the pull out was disgusting. The tub was advertised as a whirlpool but the jets didn't work. So its a tub.
In comparison to other tremblant condos and properties, it doesn't compare. maybe my expectations are too high but for the same price the Equinoxe in tremblant village is a better option.
in terms of activities for kids, i went into Tremblant village. Around the property there really isn't anything for the kids other then the family pool, which we were not able to use. walking around is dangerous, the roads are too windy and people just don't see pedestrians in time.
The room was okay, not great. I wont stay again but i as i said my expectations were high. most people would likely find the rooms fine.
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Easy to apply, non greasy and excellent protection against the sun. Even in Egypt I didn't burn
Excellent transaction
Arrived quickly
I never use any other sunscreen the best there is
Item well packaged and swiftly delivered. Many thanks,
Good delivery service
Delighted with item - thank you
This is a great product. For years I have suffered with heat rash on my arms for the first few days in hot sun but after a friend recommended this product I have not had any problems since.
All ultra sun products are brill 5 stars
First class service, very fast delivery.
Been using for years and it really does what it says on the tin!
It's great for hairy men or ladies partings and it's very quick and easy to apply.
Does what it says on the tin!
Very speedy delivery. Thank you
Ratings Guide Read about our product rating system


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Tevez verdict delayed
Filed: Monday, 23rd July 2007
By: Matthew O'Greel
FIFA have confimed that a decision over Carlos Tevez's future will not be made today.
Eggert Magnusson confirmed that a ruling had been delayed when asked about the possibility of Tevez remaining at West Ham United next season in today's press conference at the Boleyn ground.
"I've heard nothing but the FA and the Premier League have met today at FIFA headquarters," he said.
"I think FIFA have to decide if they have jurisdiction over the matter - and I hope so because everybody concerned wants it to go that way.
And when pressed as to whether a decision would be reached by the start of the new season, which kicks off on August 11th, he added:
"The sooner the better for everybody involved."
Related NewsKUMB Awards XVIII: polls open next week [14th May 2015]
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Cresswell named Hammer of the Year [7th May 2015]
Moyes moves closer - but Real hold the key [9th Apr 2015]
In brief - Tuesday's news round-up [17th Mar 2015]
DG: Whelan comments 'unfortunate' [21st Nov 2014]
Welcome home, Carlitos [12th Nov 2014]
It's all getting a bit Messi [11th Nov 2014]
Messi and Tevez at the Boleyn: get your tickets now [28th Oct 2014]
Carlos Tevez and Lionel Messi named in Boleyn Ground squad [27th Oct 2014]
Your Comments
by Oh man
10:10AM 26th Jul 2007
''I hope the Tevez saga will be over real fast. The players are not complaining about it but I think it will definitely have an adverse effect on their pre-season ...''
comments powered by Disqus


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Edward Leon Marshall Jr.
Position: WR
Height: 6-4 Weight: 199 lbs.
Born: September 23, 1947 in Corpus Christi, TX
High School: Roy Miller
College: Cameron
Drafted by the Cincinnati Bengals in the 11th round (275th overall) of the 1971 NFL Draft.
Weighted Career AV (100-95-...): 4 (9744th overall since 1950)
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NBC/VS WIN new NHL TV Deal: $200MM/yr x 10 yrs, Exclusive Rights
View Single Post
...in the drink
Join Date: Aug 2002
Posts: 1,631
vCash: 500
I'm just happy ESPN didn't get this for the announcers. Maybe I'm in a minority, but the less Gary Thorne the better. Sorry, but I just think he's a terrible announcer. Too much and mis-timed inflection, too much mis-pronunciation; that far outweighs a good broadcast voice. But I digress...
Don't think it matters who got this contract. If you're paying $2B, you can bet that broadcaster would take care of that investment and do a ton so they could actually see a return on it. I just don't think that ESPN would have been the best caretaker.
Possible lockouts/strikes in MLB and the NBA play a part, but only in the short term. If ESPN got this contract, they would have parts of the four major sports. And unless my math and history are terribly off, the NHL would rank at best as the third priority of these four (and yes, I know they wouldn't be that high on the list).
Even if it hasn't be explicitely said, seems fairly obvious that they would love to keep VS from becoming a rival. If this could help keep VS from gaining a real foothold, that $2B might not seem like too high a price. Any company wanting what is essentially a monopoly have made crazier purchases.
I'd rather have a middling sports broadcaster have this as their flagship, than a huge broadcaster having it as one of many. Who is going to put more effort into growing and maintaining it's relevance?
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Vibe W Rooftop Pre-July 4th Party
- Music
- 6250 Hollywood Boulevard, Los Angeles, CA, 90028
TONIGHT _ INCOGNITO Closing Party with RADIO SLAVE (UK) & IZHEVSKI (RU)
INCOGNITO Global
Friday, December 7, 2012 at 9:00 PM - Saturday, December 8, 2012 at 5:00 AM (PST)
Radio Slave & Stacey Pullen Back 2 Back Live @ Verboten, The Morgan, NYC - 17-03-2012 by R_co
INCOGNITO 2012 Closing Party featuring RADIO SLAVE & IZHEVSKI
FRIDAY . DECEMBER 7, 2012 . 9:00PM til 5:00AM
RADIO SLAVE aka Quiet Village, Sea Devils, REKID, The Machine is Resident Advisor's #3 Most Charted DJ of ALL TIME, and was called by DJ Mag as one of the Greatest Remixers Ever. This Panorama Bar resident is signed up to R&S, Om, Running Back and Ostgut Ton, as well as his own label, Rekid. Opening up for him, is IZHEVSKI from Moscow, in his 1st LA Appearance. When we heard this DJ online, we felt he would be the perfect epitome of what an amazing cutting edge artist would be and decided to again, push the musical envelope by flying him in.
line-up .......................................................................
[+] United Kingdom, Rekids, Resident Advisor's #3 Most Charted Producer of All Time
[+] Russia, Propaganda, Cyclic Records
[+] USA, Incognito, Laundry Night
[+] USA, 6AM Group
event pages .................................................................
[+] Facebook
[+] Resident Advisor
follow us .......................................................................
[+] www.iluvincognito.com
[+] www.facebook.com/iluvincognito
[+] www.twitter.com/iluvincognito
[+] www.residentadvisor.net/incognito
*Artists are subject to change without prior notice.
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.


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Wii U
Wii U News
News on Wii U continually updated from thousands of sources around the net.
Castles Dated
Saturday | GamersHell.com | Comment?
Why the Wii U still matters in 2015
Friday Jul 3 | Gizmag | Comment?
Can't keep all the Amiibo info straight? This should help
Thursday Jul 2 | Gaming Nexus | Comment?
Nintendo Download Update - Samurai Warriors Chronicles 3, Roving Rogue
Thursday Jul 2 | Gaming Age | Comment?
'The Legend of Zelda: Ocarina of Time' is now on Wii U
Thursday Jul 2 | Mashable | Comment?
Giblets: Shovel Knight getting a physical retail release
Thursday Jul 2 | Nag.blog | Comment?
19 Famous Parents and Children You Won't Believe Are Re...
Time to go?
News 823
Should we really be OK with the surgical removal of hea...
ethics 95
'Nintendo Cross' Is an Obvious Hoax, But Nintendo Should Steal These Ideas
Wednesday Jul 1 | Boy Genius | Comment?
Nintendo Is Revamping Miiverse
Wednesday Jul 1 | Kotaku | Comment?
Miiverse getting redesign this summer
Wednesday Jul 1 | Eurogamer | Comment?
Nintendo is considering early-access on the eShop
Tuesday Jun 30 | Gaming Nexus | Comment?
Updates to "Mario vs. Donkey Kong: Tipping Stars" (Nintendo Wii U): Pack art
Tuesday Jun 30 | SPOnG.com | Comment?
Splatoon gets new multiplayer online Tower Control mode on July 1
Tuesday Jun 30 | Polygon | Comment?
See what Mario looks like in Unreal Engine 4
Monday Jun 29 | Eurogamer | Comment?
Sega: The Bad Decisions With Its Major IP Continues
Sunday Jun 28 | Seeking Alpha | Comment?
Mandatory Update Batman's Running Out of Steam?
Saturday Jun 27 | GameTrailers.com | Comment?
Never Alone Wii U release date set for Europe
Friday Jun 26 | Eurogamer | Comment?
Nintendo 'definitely looking at' early access for games on its consoles
Friday Jun 26 | Polygon | Comment?
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Updated: Sun Jul 05, 2015 07:17 pm
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Orion International Technologies, Inc.
B-293256: Feb 18, 2004
Additional Materials:
- Full Report:
Ralph O. White
(202) 512-8278
(202) 512-4800
(202) 512-8278
Office of Public Affairs
(202) 512-4800
Orion International Technologies, Inc. protests an award to Fiore Industries, Inc. under request for proposals (RFP) No. DABK39-03-R-0013, issued by the Department of the Army for support services for the Center for Counter Measures, White Sands Missile Range, New Mexico. Orion protests the agency's evaluation of proposals and alleges that Fiore had an unfair competitive advantage.
We deny the protest.
Jul 6, 2015
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- TransAtlantic Lines, LLCB-411242,B-411242.2
Jun 30, 2015
- Precise Management, LLC--ReconsiderationB-410912.2
Jun 29, 2015
- Bode Aviation, Inc.B-411265
- Decisive Analytics CorporationB-410950.2,B-410950.3
Jun 26, 2015
- SageCare, Inc.B-411260
- Computer World Services Corporation; CompQSoftB-411216,B-411216.3,B-411216.4,B-411216.5
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Customer Reviews of this product [1]
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Love the sparkles!Caitlin


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Boomtown CoffeeApril 7Coffee Shop • Houston, United States
Wifi pwd: decafisevil
Wifi password: nuttyabouttea
Wifi password: inversion1953
Wifi Password is: downtowncoffee
Great place to hangout, study, read, coffee is good, but the most of the staff are not very friendly. They aren't mean, they just aren't nice. I blame bad management.
The chai is poo. Try the "Ham & Brie Panini". Ask them to warm your (Salty) Chocolate Chip Cookie. Wifi finally works - password is "sifiwifi"
Pretty good food, decent service. Not cheap, but not expensive either. I'd definitely go again.
Avoid the massive potholes in the parking lot, ahhhh!!!