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Counselors to America's Small Business
This 14 page booklet provides specific information about starting a Non-Profit in Michigan. It is produced by the Non-Profit Association of Michigan.
This is a very helpful booklet for entrepreneurs who are trying to start a non-profit or who are involved in the operation of a non-profit.
This booklet will help you develop a plan for your business.
A few years ago, Pazit Ben-Ezri realized her second baby, Ronnie, had a hard time sleeping anywhere that wasn't his bed at home. Like many mothers, Pazit found juggling the busy schedule of her 4 year-old and making sure her second baby was comfortable enough to sleep anywhere to be challenging.
One night, Pazit woke up with an idea to create something like Ronnie's bed that was portable. She made a prototype. People saw it and loved it. Pazit wanted to help other moms. A friend told her about a SCORE workshop and they attended together. After meeting SCORE mentors at the workshop, Pazit called the next day to a schedule appointment and was matched with Santa Ana SCORE mentor Bob Godlasky. LulyBoo would soon be just the lullaby Pazit needed for small business success.
View her product at LulyBoo.com.
In 2010 Pazit won 1st place at the Irvine Forum Entrepreneurial Business Competition in which she was awarded a cash prize of $10,000.
"Working with my SCORE mentor Bob was when my business started to grow. When I talked to Bob about advertising, he helped me contact another SCORE mentor, Tom Patty. Tom and I sat together brainstorming 'what's really going to get attention?' Tom helped me write script, find a musician, and find a videographer to create a video entry for a local contest with the Irvine Entrepreneur Forum. With SCORE's help I won the $10,000 prize!"
LulyBoo became profitable in 2013. The company has also succeeded as a product supplier for many baby boutiques and the products can be found at over 300 Babies "R" Us stores and online, amazon.com, 100 buybuy BABY stores and 300+ Burlington Coat Factory Stores.
LulyBoo was also recognized by SCORE as the 2014 Outstanding Innovative Small Business.
Pazit says she feels she has the best SCORE mentor helping her with her growing business.
"(Bob) is one of the most amazing people. I could talk about him forever. You can see that he loves what he's doing. He enjoys sharing info. He brings professionalism to all our conversations. I feel so comfortable asking any questions. It's given me the desire to do the same thing and become a SCORE mentor."
Once the LulyBoo product was created, Pazit's mentor, Bob Godlasky helped the new business owner with: developing startup strategies, marketing, financing, accounting, insurance, sales pitches, operations, social media strategies and trademark/patent decisions.
"SCORE, I feel, has the best people in the industry. I feel like I have the best people for every category of my business - FOR FREE! They are all part of LulyBoo, my life and my business. I'm never alone. For every issue, I have someone there to support me give me advice. I never feel like they are too busy for me. When people ask me what's the catch they don't actually believe it exists, but it does!"
- Pazit Ben-Ezri
Founder and President, LulyBoo
In late 2010 I began to take steps to open a social enterprise which would provide dignified work to women at risk and survivors of trafficking in Bangladesh. I had little to no business experience so I was starting from scratch. A friend in Ohio, who was also staring a business, told me about SCORE. Initially I downloaded some of the templates such as the Business Plan. I then requested local mentors.
Basha Enterprises Ltd. opened it's doors for production in Mirpur 1, Bangladesh, in May 2011, employing 15 women. We currently have two offices with plans to open a third. We employ 50 women and provide daycare for more than 40 children. We export products all over the world. We turned a small profit in 2012 with greater returns foreseeable in 2013 and 2014.
I recently met with Tim and Paula and it was exciting to be able to tell them of our success and to thank them in person for all the ways they made sure I was well prepared when I started Basha. SCORE offers such a high calibre of service and resources, it's hard to believe it is free. I am very grateful for this help and would recommend SCORE to any one else starting a business. Having experienced people walking you through your planning stages, asking you tough questions, and helping you utilize amazing SCORE resources is invaluable and can make the difference between a business succeeding or failing.
Tim Ream and Paula Kanarek worked closely with me to develop a business plan and to work on my financials. I found a financial projection worksheet particularly helpful to think about my budget, how much I needed to sell to stay afloat, and what type of volume and pricing was necessary to become profitable. Tim and Paula made sure I thought through potential challenges and ethical issues along the way.
Gina Pinto Williams, a native of Peru came to America to achieve her dream of owning her own businesses. In 2012, Gina came to SCORE to help her achieve her goal. Since 2010, Gina has successfully opened three thriving Liberty Tax franchise offices in Cincinnati.
All three of Gina's Liberty Tax franchises have proven to be successful. The Norwood Liberty Tax office has ranked as one of Liberty Tax Top 10 franchises since its second year and this year was ranked sixth of 4,500 Liberty Tax franchises nationwide. Gina has also won the franchise Top Gun Award every year since starting Liberty Tax in 2007. Liberty Tax was also recognized by SCORE as the 2014 Outstanding Franchise Small Business.
Gina says she is very grateful for the help she has received from SCORE."I believe that education provides options and options provide empowerment, SCORE has helped me identify problems and research competition in the industry. Dennis and my team of mentors have been very helpful by giving me homework and guidance. I feel very privileged that I found SCORE."
Gina's mentor Dennis Murphy helped her with identifying key problems in her industry as well as key competitors. Dennis says he enjoyed working with the hardworking business owner. "Gina is a self-starter who only sees obstacles as opportunities, she listens and takes advice and has always completed her assignments on time. She is an extremely talented, well organized, hardworking individual."
Sharen Duke launched Aids Service Center NYC (ASCNYC) in 1990. With the help of the Design Industry's Foundation for AIDS (DIFFA) who donated an office space and the AIDS Institute who provided a grant, Sharen along with her staff of three, began their mission to improve the lives of those infected with the AIDS virus.
Currently, ASCNYC has more than 90 staff members, 85 peer interns and a budget of nearly $8 million. More than 1,800 clients come to ASCNYC for services each year and 18,000 people are reached through ASCNYC's peer education and community outreach initiatives. ASCNYC was also recognized by SCORE as the 2014 Outstanding Non-Profit Organization.
In 2008 the recession presented Sharen with new, unfamiliar challenges. Sharen reached out to SCORE to help her in an area she had not been trained in, finance. Sharen's mentor, Munir Saltoun worked with Sharen and ASCNYC's CFO to create a five year plan to restructure the organization in order to get it back on financial track.
Hada Grullon is a bulldog — a tenacious, talented, self-made woman who turned an idea into a thriving business called Roy's Delivery Service. Her company, which has been around for 20 years, delivers just about anything, but its core business is handling deliveries for the medical industry. Every day, Roy's delivers human organs, blood, tissue, radiology film, sensitive documents and other specimens to doctors and medical facilities throughout South Florida.
After working for a large accounting firm for many years, I've decided to go out on my
own and specialize in helping small businesses with their accounting and financial needs.
Initially, it will be just me, and to keep expenses down and be able to better manage my young
son, I'm thinking about operating out of my home. What are the pros and cons?
For productivity, convenience, and downright comfort, nothing beats a home-based business. Here, most every day is "casual day," and the only obstacle on your commute is dodging the cat or dog on your way upstairs.
This column is brought to you by the Merrimack Valley Chapter of SCORE, with nearly
70 current and former business executives available to provide free, confidential, one-on-one
business mentoring and training workshops for area businesses. Call 603-666-7561 or visit
merrimackvalley.score.org for information on mentoring, upcoming workshops and volunteer
opportunities. SCORE is a national, non-profit organization and a resource partner of the U. S.
Small Business Administration.
RN Cancer Guides (RNCG) was founded to assist cancer patients and their caregivers navigate through all the complex financial, medical, and emotional barriers of a cancer diagnosis. RNCG utilizes only oncology certified nurses throughout the state of Florida and was able to design and implement 3 programs. The private patient program, the first Employee Cancer Assistance Program (ECAP), and the Patient Medication Compliance Program. More details may be found at RNCancerGuides.com.
RNCG came to the Pasco Economic Development Council (PEDC) SMARTstart incubator looking for assistance and growth. They immediately directed us to Richard Bonnett from SCORE. We met Richard, and he was able to assess our growth potential by viewing our business plan and assisting us with the ability to secure a Microloan from the PEDC. Our company's programs have expanded since receiving the funding and advice. We moved our company to Wesley Chapel and added more staff. We were able to expand our marketing efforts and building brand awareness. Our client base doubled, and our ECAP program is now being introduced by health care brokers across the state to self-funded corporations.
Richard continues to provide sound advice and guidance on various ideas that we present to him. He is able to provide the pros and cons and keep us from making very costly mistakes. RNCG is positioning itself to become a national company within the next couple of years.
Thanks for visiting score.org. We value your feedback. Please send any questions and/or comments to firstname.lastname@example.com.


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Aliases for TRPA1 Gene
Aliases for TRPA1 Gene
External Ids for TRPA1 Gene
- Entrez Gene: 8989
- Ensembl: ENSG00000104321
- UniProtKB: O75762
Previous Symbols for TRPA1 Gene
Summaries for TRPA1 Gene
The structure of the protein encoded by this gene is highly related to both the protein ankyrin and transmembrane proteins. The specific function of this protein has not yet been determined; however, studies indicate the function may involve a role in signal transduction and growth control. [provided by RefSeq, Jul 2008]
GeneCards Summary for TRPA1 Gene
TRPA1 (Transient Receptor Potential Cation Channel, Subfamily A, Member 1) is a Protein Coding gene. Diseases associated with TRPA1 include episodic pain syndrome, familial and somatoform disorder. Among its related pathways are Ion channel transport and Transport of glucose and other sugars, bile salts and organic acids, metal ions and amine compounds. GO annotations related to this gene include calcium channel activity and channel activity. An important paralog of this gene is ANKRD16.
UniProtKB/Swiss-Prot for TRPA1 Gene
Receptor-activated non-selective cation channel involved in detection of pain and possibly also in cold perception and inner ear function. Has a central role in the pain response to endogenous inflammatory mediators and to a diverse array of volatile irritants, such as mustard oil, garlic and acrolein, an irritant from tears gas and vehicule exhaust fumes. Acts also as a ionotropic cannabinoid receptor by being activated by delta(9)-tetrahydrocannabinol (THC), the psychoactive component of marijuana. Not involved in menthol sensation. May be a component for the mechanosensitive transduction channel of hair cells in inner ear, thereby participating in the perception of sounds. Probably operated by a phosphatidylinositol second messenger system (By similarity).
TRPA1 is a member of the transient receptor potential (TRP) superfamily of ion channels. TRPA1 is classed as a thermoTRP: a TRP channel which is gated by temperature and functions as a temperature transducer. This channel is thought to be indirectly activated by cold; it is often expressed in the same neurons as TRPV1, another thermoTRP, which senses heat.

subset: commoncrawl


text: Related all All News Articles Media Reviews 30° An in-depth look at the free Xbox Games With Gold titles for July 2015 3d ago - Neil writes "We love the Xbox Games With Gold scheme. Not just because we love free games, but be... | Xbox 360 Comments (1) neil363 Source 20° ToysRUS PS3 Steals: Batman Arkham Origins and Assassin's Creed 4:Black Flag for $7 Each 4d ago - Great PS3 Bargain Bin Steal from ToysRUs. | PS3 Comments (0) ReconHope Source Ad Gamepedia Now - The largest video game wiki platform on the web, featuring hundreds of community-driven wiki projects. | Promoted post Read More SiteBot 440° Xbox Live Games with Gold for July 2015 8d ago - This July represents two full years since we began giving Gold members access to amazing games, c... | Xbox 360 Comments (60) DanzoSAMA Source 110° The 15 Best AAA Games on PlayStation 4 20d ago - A handful of awesome games have already released on the PlayStation 4 (Bloodborne, Shovel Knight)... | PS4 Comments (9) brettnll Source 180° Xbox Live Deals with Gold June 2nd – June 8th 31d ago - A new list of deals is available this week on Xbox Live for those who owns a Gold membership.... | Xbox 360 Comments (3) Scofield91 Source


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Facebook's Hackathon: Competing to Code Education
April 10 (Bloomberg) -- Jon Erlichman reports on Facebook and its focus on education. He speaks on Bloomberg Television's "Bloomberg West." (Source: Bloomberg)
Most Recent Videos
Ross: Referendum Doesn't Change Greece's Fundamentals
39:50 - U.S. billionaire Wilbur Ross, chairman and chief executive officer of WL Ross & Co., talks about Greece's vote against yielding to further austerity demanded by creditors. He speaks with Angie Lau on Bloomberg Television's "First Up." (Source: Bloomberg)


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"The quality of paper used, the colors, and the style helped make this invite for my little guys 4th birthday party too perfect. It captures his sweet and funny personality to a T. You always deliver perfection tiny prints, thanks!"
"This is such a pretty little card. I love the quality of the paper and printing. Impeccable service and products every time I have used Tiny prints. The only thing I don't like is the logo on the back..."
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A Summerfield woman was killed last Tuesday and eight others injured in a five-vehicle crash on Interstate-75 near the Webster exit.
The incident that cost Cynthia Wimmer, 58, her life followed a traffic obstruction due to an earlier semi tractor-trailer wreck under the overpass of at the 309 Exit, according to a Florida Highway Patrol (FHP) report. Traffic was being diverted off the interstate at the exit.
Copyright © 2015
The Sumter County Times is your source for local news, sports, events and information in Sumter County, Bushnell, Fl, and the surrounding area.


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Po Box 360013
Monument Valley, UT 84536-0845
Monument Valley, UT 84536-0845
Tel: (435)727-3270
School Overview
|School Membership(s)School Assoc.
|Other school association(s)
|Religious Affiliation
|Seventh-Day Adventist
|Grades Offered
|Grades Kindergarten - 8
Student Body
|Total Students
|20 students
|Student Body Type
|% Students of Color
State avg.: 22%
|Students by Grade
Academics and Faculty
|Total Classroom Teachers
|3 teachers
|Student : Teacher Ratio
National avg.: 13:1
Nearby Schools:
All Schools | High Schools | Elementary Schools | Preschools | Public Schools
Show me:
- School Location Miles Students Grades
Teec Nos PosImmanuel Mission School
Po Box 1080
Teec Nos Pos, AZ 86514
(917)254-4023(Brethren)24.2 mi | 82 students | Gr. KG-12
CortezCortez Adventist Christian School
540 W 4th St
Cortez, CO 81321
(970)565-8257(Seventh-Day Adventist)53.8 mi | 22 students | Gr. KG-6
CortezThe Childrens Kiva
Po Box 1417
Cortez, CO 81321
(970)565-8586Montessori School54.5 mi | 54 students | Gr. PK-KG
CortezLighthouse Christian Academy
11502 Highway 145
Cortez, CO 81321
(970)565-9302(Baptist)56.1 mi | 25 students | Gr. K-10
WaterflowOpen Bible Christian Academy
Po Box 1145
Waterflow, NM 87421
(505)598-5019(Baptist)69.3 mi | 48 students | Gr. K-12
School Reviews
Area Statistics
Rental Market Monitor
Recent Articles
Updated June 28, 2015
When it comes to choosing a private school, there are so many choices to consider that the project can be a huge challenge to most of us. We offer some help and advice to help you get started.
Sending your child to a foreign language school makes good sense when you have been posted to this country from abroad and in other circumstances as well.
Do you need financial aid? Not sure? Confused by how financial aid works? Here are some answers.
More ArticlesGetting into Private School, Paying For It, Opinion, Running a Private School, Elementary Issues


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Written on: 09/02/2014
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Learn how to combine the simplicity of iPhoto with the power of Aperture and get the best of both worlds.
"The site has given me an amazing renewal of long-lost inspiration. I feel I have my creativity back for the first time in many, many years." —Louise L.
more from our members »


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This is a brand new meetup group focusing on Applications using NFC (Near Field Communication) for mobile app developers and creative designers. Many of smartphones already have and will soon have embedded NFC. Google has promoted NFC for mobile payment, however, there are many other applications such as social, marketing, coupons, healthcare, and others. Be part of the NFC Eco-system and accelerate its adoption via collaboration and creative solutions.
I started the group because there wasn't any other type of group like this. I've met some great folks in the group who have become close friends and have also met some amazing business owners.
— Bill, started New York City Gay Craft Beer Lovers
Meetup members, Log in
By clicking "Sign up" or "Sign up using Facebook", you confirm that you accept our Terms of Service & Privacy Policy


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Freeset Signature Tee
Roll over image to zoom in
Wear with pride the signatures of the women rescued from human trafficking by Freeset in Kolkata, India. Freeset tees are made by women who were once marginalized and trapped by poverty and prostitution. Freeset has given them an alternative -- and a way to freedom. Each tee bears the names of the courageous women who make them!
- 100% certified organic cotton
- Fitted cut
- Machine wash warm; tumble dry medium
- Made in & fairly traded from India
Garment Measurements:
|Sizing in inches / cm
|Chest (around)
|32-32 / 76-81
|26-28 / 66-71
|32-34 / 81-86
|28-30 / 71-76
|36-38 / 91-96
|32-34 / 81-86
|40-42 / 101-107
|36-38 / 91-97
Created to help women worldwide gain economic security for themselves and their families by earning fair wages for their handiwork, Global Girlfriend sources women-made, fair-trade imported, eco-friendly products. By supporting long-term partnerships with the artisans, it fosters equal employment opportunities, healthy and safe working conditions, technical assistance, and development strategies to help reduce poverty, one community at a time. Become a "Global Girlfriend" and help build a brighter future for girlfriends around the globe!
For bulk pricing on these and other items, please contact our Customer Service department at email@example.com.
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June 23, 2014 - The good: very soft with a higher scoop neck (lower than crew neck, not a deep scoop). The bad: A bit long for me (I am short, at 5'). The skinny: I love the premise, the shirt washed well (in cold water, no dryer), and the XL will fit a 34E bust.
June 30, 2013 - Soft, comfortable, and supports a great cause! What's better than that!
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Dear readers and friends,
Thanks so much for your interest in my books! The release of REDEMPTION BAY, book 2 in Haven Point, is just around the corner, coming in late June. This is McKenzie Shaw and Ben Kilpatrick's book and I think you'll find it the perfect vacation read. I love this early review on Goodreads: "A sweet story about life, second chances, and the past influencing the future – this is a story that shouldn't be missed!"
And from Romantic Times (4 stars): "With her crisp storytelling, which is full of both humor and heartfelt emotion, Thayne delivers another truly delightful read."
Harlequin is sponsoring an AMAZING contest for REDEMPTION BAY. When you pre-order the book, you're eligible to enter a contest to win a $500 VISA spa day gift card. Wow! For details or to enter, visit http://bit.ly/1KdiSRk
You can also read an excerpt of the book here on my website.
And mark your calendars for EVERGREEN SPRINGS, Devin Shaw's book, coming in late September! I loved writing this book and can't wait to bring you another story from Haven Point.
I hope you're connected with me on Facebook or Twitter for the most up-to-date news from my world.
All my very best,


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|Friends of Five Creeks
Helping Nature in the East Bay – Hands On
Friends of Five Creeks is an all-volunteer group working hands-on for clean water and healthy watersheds. We protect and restore natural areas that welcome both wildlife and people on the urbanized east side of San Francisco Bay. See map and slide shows of some of our restoration projects.
Please join us in:
For information or to arrange a work party for your group, contact email@example.com or (510)848-9358. Click here to subscribe to our e-newsletter. Click here to donate or join!
New and Seasonal
July 4 (Sat.) Join us at El Cerrito's Independence Day WorldOne celebration, 10 AM - 6 PM at Cerrito Vista Park, 950 Pomona, at Moeser!
July 24 (Fri.) Moth night in the Hillside Natural Area! As part of International Moth Week, discover the magical nighttime denizens of El Cerrito's amazing 100-acre urban oasis. Potluck 7:30 PM, a nature walk as it gets dark, and then safe catch-and-release of moths. (Did you know that moth species outnumber butterfly species 10 to 1?) More on our events calendar!
Sun., July 26, and Sat., Aug. 22, 10 AM- 12:30 PM: Help nature by removing invasive, fire-prone broom at the El Cerrito Hillside Natural Area. Great view, light and heavy work for all. Tools, gloves, and snacks provided. Details on our events calendar!
Bay Currents free talks on natural history and environmental issues, with emphasis on positive solutions, resume Sept. 10. Talks are on second Tuesdays in the beautiful St. Albans Parish Hall, 1501 Washington (at Curtis), Albany. For fall: "New Bay Pollutants: Meeting the Challenge," "A Sharks-Eye View of the Bay," and "Zombees"! Free! Sign up here to get notices or our monthly e-news that includes them.
Why save water -- and how: Facing drought and climate change, California needs to curb use of water and water-related energy. Our information sheet outlines why you should save water and how to do your part-- from tips with links, to rebates and free stuff, to background with links to research, position papers, and current issues.
About Us
Friends of Five Creeks, founded in 1996, is an all-volunteer citizens group operating under the fiscal sponsorship of Berkeley Partners for Parks, a 501(c)3 nonprofit corporation. Our decisions are governed by bylaws and made by a board drawn from our volunteers.
Our meetings, talks, and walks are open to all. Check our events calendar for schedule.Mission: Friends of Five Creeks believes that the health of creeks and watersheds supports the health of urban environments.
Friends of Five Creeks mobilizes volunteers of all ages to restore, maintain, and enjoy the creeks and watersheds of the East Bay from North Berkeley to Richmond. In year-round work parties, we help revitalize creeks, improve habitat and water quality, eliminate invasive plant species, and increase public access and stewardship.
We prune, weed, dig, plant, and remove trash from creek sites and their watersheds. In collaboration with like-minded civic organizations, we assist and advocate for restoration projects, and build and maintain paths. To increase public understanding of environmental processes, we publish and post information, design and install interpretive signs, and host speakers and events.


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|Homestead Studio Suites La Porte properties are listed below. Search for cheap and discount Homestead Studio Suites hotel prices in La Porte, TX for your personal or business trip. We list the best Homestead Studio Suites La Porte hotels & lodging so you can review the La Porte Homestead Studio Suites hotel list below to find the perfect place.
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Need a group/meeting discount? Request a group rate for La Porte TX
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From Power to Purpose: A Remarkable Journey of Faith and Compassion - eBook
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|Format: DRM Protected ePub
Vendor: Thomas Nelson
Publication Date: 2009
Availability: In Stock
Publisher's Description
A sense of mission for America . . . a heart for God.
Senator Sam Brownback grew up in the heartland, in a family of hard-working Kansas farmers. Instilled from an early age with a strong work ethic and a fierce sense of independence, he continues to be guided by Christian values and beliefs: strength, courage, character, common sense, faith, and a keen sense of justice and moral responsibility.
From Power to Purpose is the firsthand account of his remarkable journey: from farm boy to U.S. Senator?and in 2008 the Republican candidate for the White House. In honest, straightforward prose, he recounts his trials, struggles, and lessons learned on the way to becoming one of our leading voices for bleeding-heart conservatism.
It's a proactive response to some of our country's most vexing problems. It's a message of hope and fresh ideas for a world that needs both.
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Oneida ReviewsOneida 6
"Excellent experience "
- Work/Life Balance
- Culture & Values
- Career Opportunities
- Comp & Benefits
- Senior Management
I have been working at Oneida full-timeRecommendsNeutral OutlookApproves of CEORecommendsNeutral OutlookApproves of CEO
Pay, friendly environment, team work
Too long of a commute
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Let us know if we're missing any workplace or industry recognition – Add an award
Additional InfoUnlock Profile
Oneida knows its place at the table. Once one of the world's largest makers of stainless steel and silver-plated flatware, Oneida now designs and supplies flatware, dinnerware, and crystal for both consumers and the foodservice and institutional markets. Its facilities dot the US, Canada, Mexico, the UK, and China. Flatware accounts for more than half of sales. Other tabletop items are cutlery and kitchen utensils and gadgets, as well as baby keepsake gifts. Subsidiary Kenwood Silver operates about 15 Oneida outlet stores. Overwhelmed by debt, Oneida filed for Chapter... More


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Sony Alpha SLT-A99V Full-Frame DSLR – First Look
Photokina 2012Read More
LCD protector cover for SLT-A99 and a77II Alpha cameras.
Protect your investment with the PCK-LM14 LCD protective cover. Constructed of durable polycarbonate, this hard cover is the ideal solution to keep the LCD free from unwanted scratches, dust and debris.
Reviewed by 3 customers
Easier to apply than expected, A cover for the top LCD status screen is also included. Increased protection for the screens is one less concern when working in the field.
The rear LCD protector is nicely made with a very lightweight frame around it with 'SONY' on the lower portion. The rear LCD protector went on easily...although I had to do it twice to get the air out of it. The additional cover for the top LCD I could never get all the bubbles out of, but that LCD rarely ever sees damage, so I eventually gave up. All in all, I'm happy I put it on and it doesn't seem to reduce the clarity of the screen. Given the rear LCD can be turned in so it isn't exposed in your bag, this screen protector may be superfluous.
This one actually came with two protectors: a bigger one for the LCD screen and a smaller one for the top display panel.
Photokina 2012Read More


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The Federal Trade Commission challenged the merger
The Supreme Court legalized gay marriage in the U.S.
Join the NASDAQ Community today and get free, instant access to portfolios, stock ratings, real-time alerts, and more!
Delaware statutory trusts -- structures through which
investors can do like-kind exchanges to shield gains on
investment property sales from tax -- are rising in
That is good news for property investors who are retired,
approaching retirement and others who like to use DSTs, as they
are known.
DSTs' rising usage reflects the recovery in real estate
"The more that property rises in value, the more likely
investors are to sell," said Brandon Balkman, vice president of
marketing of OMNI Real Estate Services, which gathers data about
1031 exchanges, another name for like-kind exchanges. And when
they sell at a profit, many want to roll those gains into another
property rather than pay tax on the gain. DSTs help them do
Avoiding Tax
A primary use of a DST is to conduct a like-kind exchange. A
like-kind exchange lets an investor avoid liability for capital
gains on the sale of investment property.
The participant in the exchange invests in another investment
property that costs at least as much as his proceeds from the
sale of the first property. His principal residence does not
The investor must identify replacement properties within 45
days of selling the first property. And he must invest in the
replacement property within 180 days of selling the first
Proceeds from the first sale must be held by a neutral
intermediary until their reinvestment.
All Together Now
Like-kind exchanges can be done by individuals. A DST lets a
number of investors band together to own investment real estate,
which any one of them might not be able to afford individually,
usually to do a like-kind exchange.
DSTs are rising in popularity as a replacement for
tenant-in-common groups, another type of like-kind,
multi-investor structure.
The key drawback to TICs, as they're known, is that lenders
have to deal with all the participants.
"In contrast, a DST is a single entity controlled by a
sponsor, so lenders know who they're talking and dealing with,"
said DST-specialist attorney Amy Giannamore of the law firm DLA
A sponsor is the person or group that organizes the DST.
A drawback to a DST is investor loss of direct control of a
The IRS first let DSTs be used in like-kind exchanges in 2004.
The 2008-09 downturn made financing scarce, pushing investors to
find a structure that lenders were comfortable with, Balkman
In 2013, investors used 40 DSTs and only five TICs, Balkman
says. In 2006, 341 TICs represented $3.7 billion in deals.
Regional broker-dealers such as Centaurus Financial and Berthel
Fisher offer DST deals, says Louis Rogers, CEO of Capital Square
Realty Advisors.
Retirees use DSTs to swap an investment property in a
cold-weather location for another in their warmer retirement
locale, or to rid themselves of a property that requires hands-on
management that they no longer wish to perform.
DSTs often charge upfront loads as high as nearly 10%, Rogers
says. Yearly costs tend to be 1% for commercial properties and up
to 4% for multifamily ones.
Predictable Income
A key appeal of a DST is that commercial properties typically
sign tenants to seven- to 10-year leases. Going into a deal,
investors know what their monthly income will be.
"Getting that stated return 99% of the time is very attractive
in a period of low interest rates," Rogers said.
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Italian Pizza Recipes
Looking for Italian pizza recipes? Find great Italian pizza recipes for homemade pizza, original pizza, and more Italian pizza recipes.
Recipe Spotlight
I serve this sweet and salty chicken with rice. You can give it a fresh spin and turn the slow-cooked favorite into a Thai-style pizza. —Gigi Miller, Stoughton, WisconsinView Saucy Thai Chicken Pizzas Recipe


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Jan 28, 2008 4:17PM PST
Two days in a row. Things are starting to get out of hand. Today I'll take the chance to talk about how I'm anticipating the release of Star Wars: The Force Unleashed. I've been a big fan of Star Wars games for many years and have been this excited about a release since KOTOR 2. Which was slightly disappointing. This game however should be everything we've heard. This being the first Star Wars release on the new generation we can expect this game to be up to par. With every new release of video or screen pics build up the quality of what may be one the best Star Wars games to date. I'm also quite curious about how they'll work the story into an already complex story line. How will they portray this apprentice Sith? Will he seek to destroy the Rebels for the good of the Empire or will he fight both to gain control of the galaxy for his Master?


text:
Year 15: Nonprofit Transfer Strategies for Expiring LIHTC Properties Live Online Event September 9, 2008 Presenters: Gregory Griffin, Director, Asset Management Gigi Eggers, Director, Tax and Regional Accounting OBJECTIVES OF THE TRAINING Understand background on Year 15 Discuss key issues Understand perspectives of stakeholders Learn how to develop an action plan Review Case Study 2 THE YEAR 15 PROCESS Step 1: Know the Property Step 2: Know your partners and stakeholders Step 3: Know your documents Step 4: Develop your plan 3 THE STAKEHOLDERS Residents General Partners/Sponsors/Developers Investors Syndicators Private Lenders Public Lenders Allocating Agencies The IRS 4 STRUCTURE OF LIHTC INVESTMENTS Investments are sold through Limited Partnerships and LLC's Partnership Agreements control dispositions, providing: Transfer restrictions and price Consent requirements Distribution of Proceeds Liquidation and Dissolution 5 Investor $ Equity Fund LP = Investor(s) 99.99% GP = .01% $ Project LP = Equity Fund 99.99% GP = Developer/Sponsor .01% TYPES OF INVESTORS Types of Investor vary: Direct Investors Syndicators ("Middlemen") Single Corporate Investor Funds Multiple Corporate Investor Funds Multiple Individual Investor Funds Types of Syndicators vary: National for-profit National nonprofit Regional (mostly nonprofit) 7 YEAR 15 BASICS LIHTC authorized by Section 42 of the Internal Revenue Code Provides housing affordable to households earning below 50% or 60% of area median income 15 year compliance period For Post 1989 allocations, additional 15 year extended use period. 8 YEAR 15 BASICS CONT'D Requires investors to hold the investment for 15 years or be subject to credit recapture Investors benefit from: Tax credits taken over 10 years (generally) Loss benefits Cash flow and Residuals (rarely) 9 SIGNIFICANCE OF YEAR 15 Initial compliance period expires at the end of Year 15 Can transfer ownership in year 16 without recapture Tax credit transactions are envisioned by investors as 15-year investments Most investors are ready to dispose of their interest in year 16 10 DETERMINING YEAR 15 Tax Credit Compliance for Each Building Begins: The first year tax credits are reported on tax returns for that building Can be: The first year a qualified building is PIS or The year after the building was PIS 11 DETERMINING YEAR 15 Tax Credit Compliance Ends: The last day of the 15th year since credits were first taken May be different for different buildings Plan disposition in Year 16 for the last building placed in service 12 DETERMINING YEAR 15 Example: Tax Credits allocated in 1992 Building Placed in Service (PIS) in 1993 Elected to begin taking credits in 1993 Tax Credit Compliance Period expires 12/31/07 Year 15 is 2007 13 PURCHASE AND REUSE OPTIONS Purchase of Real Estate or Investor's Interest: Sponsor Acquires Continue Operations As Is Rehabs through Resyndication and or Refinancing Sells to Third Party Partnership Sells to Third Party Homeownership (Lease-Purchase) 14 RESYNDICATION Makes sense where rehab is needed Minimum rehab: 20% of acquisition cost or $6,000 investment per low-income unit Structure to preserve Acquisition Credit Problems if buyers and sellers are related parties Related party means holding more than 50% interest prior to and after sale Must comply with 10 year Look-back rule (exception for nonprofit buyer and/or projects substantially financed, assisted or operated under HUD, USDA or state program) 15 EXIT STRATEGIES: POSSIBLE SCENARIOS Right of First Refusal to purchase property Buyout option to purchase partnership interest "Puts": Obligation to Purchase Qualified Contract Bargain Sale Sale to 3rd party Purchase within compliance period ("Early Exit") 16 POST-1989 DEALS: RIGHT OF FIRST REFUSAL 1989 revision to Internal Revenue Code allowed the sale of LIHTC projects through Right of First Refusal to certain qualified groups at a bargain price Formula Price = Debt plus Exit Taxes (Parties may agree to add an adjuster for unpaid benefits) 17 RIGHT OF FIRST REFUSAL Formula Price is available to: Tenants Resident management corporations Qualified nonprofits Government agencies 18 RIGHT OF FIRST REFUSAL Issues with Right of First Refusal: Is a bona-fide 3rd party offer required? Reserves not included Transaction costs Formula Price may exceed fair market value 19 BUYOUT OPTION OF PARTNERSHIP INTEREST Typically, option price is greater of: Fair Market Value of Partnership Interest Or Unpaid Benefits plus Exit Taxes 20 "PUTS": OBLIGATION TO PURCHASE Partnership Agreement may obligate the General Partner to purchase the property or partnership interest following expiration of the LIHTC compliance period Price or formula to determine price will be established up front 21 QUALIFIED CONTRACT So-called "Opt-out" provision Applicable to projects with post-1989 allocations with extended use restrictions Owner may submit a request to the Allocating Agency to sell the property State must locate a buyer at formula purchase price If buyer is not found within one year, extended use restrictions are TERMINATED 22 QUALIFIED CONTRACT Qualified Price equals Outstanding debt secured by the property Plus capital invested adjusted by the Cost of Living Factor up to 5% Less any distributions and funds available for distribution 23 QUALIFIED CONTRACT States are issuing their own rules Some States restrict the "Opt Out" at the front end The industry is seeking a uniform approach IRS regulations are still pending 24 BARGAIN SALE Concept: Part sale, part donation Applies where market value of property exceeds amount of debt on property Will offset exit taxes for the Investor But: Investor may prefer cash proceeds 25 SALE TO THIRD PARTY May occur when: Investor and General Partner cannot come to terms General Partner does not exercise the Right of First Refusal or Buyout Option General Partner wants out of the project 26 EARLY EXIT Investor can dispose of its interest prior to Year 16, provided: LIHTC compliance is maintained Early outs are generally not feasible for multiple investor funds 27 EXIT TAXES What is an "Exit Tax"? Cumulative tax losses exceed the investor's invested capital Result is a negative capital account Disposition results in a tax liability Need to be aware of book to tax differences on tax returns Also adjust for Historic Tax Credit (if applicable) 28 CAPITAL ACCOUNT: EXAMPLE #1 Remains positive through compliance period. Capital Account Balance 1,600,000 1,400,000 1,200,000 1,000,000 800,000 600,000 400,000 200,000 - 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 (200,000) 29 CAPITAL ACCOUNT: EXAMPLE #2 Goes negative after the end of the credit period; before the end of the compliance period. Capital Account Balance 1,500,000 1,000,000 500,000 - 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 (500,000) (1,000,000) Consult tax advisor 30 CAPITAL ACCOUNT: EXAMPLE #3 Goes negative before the end of the credit period. Capital Account Balance 1,500,000 1,000,000 500,000 - 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 (500,000) (1,000,000) (1,500,000) (2,000,000) Consult tax advisor 31 EXIT TAX EXAMPLE Limited Partner interest sold to General Partner Sale price equals debt + exit taxes The capital account balance for the LP is ($500,000) LP's federal tax rate is 35% ($500,000 x 35%) = $175,000 exit tax Apply "gross up" factor: 1 + tax rate (1 + 35% = 1.35) Grossed up exit tax would be $236,250 ($175,000 X 1.35 = $236,250) 32 WAYS TO MANAGE EXIT TAXES From years 11-15: Forgive debt Reduce LP interest by 1/3 Freeze allocation of losses when required by tax code Relate qualified non-recourse debt and/or add security to debt Capitalize rather than expense repairs Improve operations In year 16: Bargain Sale 33 OPTIONS FOR PAYING EXIT TAXES New loan sufficient to pay off existing debt and pay exit taxes Resyndication with purchase price by new Partnership sufficient to pay exit taxes Apply cash reserves to payment of exit taxes Apply back-end adjuster, adjuster proceeds used to pay exit tax Investor absorbs the exit tax 34 PROJECT/PARTNERSHIP ISSUES The GP Perspective Does the GP have the desire and capacity to purchase the project? Investor Perspective Is the Investor flexible with sale or transfer? Were Investor benefits realized? Capital Account Balance Are there exit taxes? If so, are there sufficient funds to pay exit taxes? 35 PROJECT/PARTNERSHIP ISSUES Financial Condition Will cash flow be sufficient to sustain future operations? Are there any anticipated changes in the budget, such as loss of rental subsidies or tax abatements? What are reserve balances and restrictions? 36 PROJECT/PARTNERSHIP ISSUES Physical Condition Are significant capital improvements needed? Is there a current Capital Needs Assessment (CNA)? Market Conditions Is the project marketable? Is there competition from other projects? 37 PROJECT/PARTNERSHIP ISSUES Mortgages Are balloon loans or deferred interest payments due at or immediately after Year 15? Does existing debt exceed fair market value? Are lenders flexible with transfer of debt? Can debt be refinanced or forgiven? Are there sources for soft debt? 38 ACTION PLAN FOR PURCHASERS YEARS 10-13: Determine when compliance period ends Review current performance and develop projections Review capital needs Review and project capital account and exit taxes Develop strategic plan: Through Year 15 After Year 15 39 ACTION PLAN FOR PURCHASERS YEARS 13-14: Analyze Partnership Debt: Can loans be assumed, forgiven or restructured Lender affordability restrictions Lender approval rights 40 ACTION PLAN FOR PURCHASERS YEAR 13-14: Determine Likely Purchase Price Per Option or Right of First Refusal Does the price make sense? Explore Sources of Funds to Meet Purchase Price and Capital Needs: Resyndication Refinance: Conventional debt or soft loans Capital infusion Reserves Combinations 41 ACTION PLAN FOR PURCHASERS YEARS 14-15: Consult with Accountant and Attorney Meet with Syndicator Negotiate Purchase Price Sign Letter of Intent Obtain Lender Approvals (if required) Draft Legal Agreements 42 ACTION PLAN FOR PURCHASERS YEAR 16: Close on purchase in 1st quarter of year 16 File amended Certificate of Limited Partnership (if applicable) File tax return and provide final K-1 to Limited Partner(s) Execute an amendment to the Partnership Agreement, signed by withdrawing and new partners 43 YEAR 1 – BACK TO THE FUTURE Determine goals at the outset Financing can extend the restriction period How long will rent subsidies last? Ability to pay ballooning debt Extent and durability of improvements Clarify transfer provisions in pertinent documents Review impact of state agencies scoring criteria Structure and review projections Consider exit tax Slower depreciation elected or required Source of funds for exit tax 44 ENTERPRISE'S EXPERIENCE TO DATE 170 Projects transferred or approved through 8/31/08 Lease purchase (Cleveland) Early out Consulting projects Resyndication 2008-2009: approximately 147 pending 45 ENTERPRISE'S GOALS Deliver Expected Investor Return Transfer to Nonprofit Sponsors Preserve Affordability Minimize displacement of low- income residents Preserve Project Viability 46 ENTERPRISE ROLES Enterprise has primary duty to ensure delivery of investors' return Will promote investor's goal to exit in year 16 Works with the sponsor to develop its Year 15 transition plan Can provide equity to resyndicate the project with new tax credits Can provide debt to refinance the project Can provide consulting services to investors 47 CASE STUDY Housing Opportunity Limited Partnership 48 CASE STUDY Tax Credits allocated in 1990 Placed in Service Date (PIS) 1991 Elected to begin credit period in 1991 Tax Credit Compliance Period Ends 2005 Eligible for sale or transfer without recapture in 2006 49 CASE STUDY 40 Units Existing Debt First Mortgage (must pay) $700,000 City Loan (cash flow) 400,000 Total $1,100,000 Reserves 300,000 Capital Needs ($2,000/unit) 80,000 Year 16 Projected NOI 80,000 $80,000/8% Cap Rate FMV of Property 1,000,000 50 CASE STUDY Non-profit sponsor holds: The right of first refusal to purchase the property for debt plus exit taxes, and An option to purchase the Investor's partnership interest for the greater of Its Fair Market Value (FMV) or The sum of unpaid benefits plus the Investor's exit tax 51 CASE STUDY VALUE OF LP INTEREST: FMV of Property $1,000,000 Plus Reserves 300,000 Total: $1,300,000 Minus Existing Debt 1,100,000 FMV of Partnership 200,000 FMV of LP Interest (x 99%) $198,000 52 CASE STUDY Exit Tax: LP Capital Account Balance (500,000) Tax Rate 35% Exit Tax 175,000 One Time Gross Up __X 1.35 Total Exit Tax $236,250 53 CASE STUDY Option Price for Purchase of Investor's Partnership Interest Greater of: FMV of Partnership Interest $198,000 Unpaid benefits plus exit tax $236,250 Option price $236,250 54 CASE STUDY Purchase Price Recap Right of First Refusal: Debt $1,100,000 Exit Tax 236,250 Total $1,336,250 Purchase of LP's interest: Cash $236,250 Assumption of debt $1,100,000 Total $1,336,250 Which is preferable? 55 CASE STUDY GP elects to purchase LP's interest Why? No change of title to property, therefore debt does not have to be assumed by a new owner Fewer costs May avoid transfer tax in some states No recordation fee Reduced legal expenses due to fewer documents i.e.; new deed not required Reserves stay with the property 56 CASE STUDY Refinance First Mortgage Year 16 NOI $80,000 Available for Debt Service $69,565 ($80,000 / 1.15 DCR) New Mortgage Lesser of: 7% rate, 30 year term $871,348 Loan to Value Ratio: $1,000,000 FMV x80% LTV $800,000 Maximum loan: $800,000 57 SOURCES AND USES Sources New Mortgage $800,000 City Loan (2nd Mortgage) 400,000 Reserves 300,000 Total $1,500,000 Uses Payoff of Existing Mortgage $700,000 City Loan (2nd Mortgage) 400,000 LP Interest 236,250 Capital Needs 80,000 Reserves 83,750 Total $1,500,000 58 CASE STUDY What Really Happened? 59 CASE STUDY GP and Enterprise agree to transfer LP's interest to a non-profit corporation for debt: $1,100,000 Investor absorbed exit tax Why? Nonprofit sponsor fostering affordable housing Projected benefits delivered Exit Tax exceeds FMV of Partnership Interest Bargain Sale/Donation potential ($198,000) Reserves stay with the property No change of title to property Fewer costs 60 ENTERPRISE CONTACTS John Brandenburg Greg Griffin Vice President, Asset Management Director, Asset Management 410.772.2554 410.772.2664 firstname.lastname@example.com firstname.lastname@example.com Gigi Eggers Director, Tax and Regional Accounting 410.772.2534 firstname.lastname@example.com For further information, go to the www.enterprisecommunity.com website, and look for Year 15 information under Asset Management. 61
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June 27, 2015
Exploring the Heritage Vineyards of Sonoma County: A Trip Well Taken Cohn Vineyard Bacigalupi Paris Tasting Block Rochioli Vineyards & Winery West Block Lynmar Estate Quail Hill Vineyard Dehlinger Winery Old Vines Pellegrini Wine Co. Olivet Lane Vineyard Hanzell Vineyards The Ambassador's 1953 Vineyard Patz & Hall Sonoma House Visit & Tasting with James Hall Hyde Vineyard Saturday Night Dinner Bacchanal Pinot Briefs A Reader's Letter Brightens My Day
HillCrest Vineyard
Located in the Umpqua Valley, this vineyard, the site of the first plantings of Pinot Noir in Oregon in 1961, was founded by Richard Sommer. It is Oregon's oldest estate winery (bonded winery #44). Sommer released Oregon's first Pinot Noir in the 1967 vintage.
Dyson DeMara took over HillCrest Vineyard from Sommer in 2003. Today the winery produces 1,400 cases of wine available for tasting and purchasing in the winery's tasting room only.
Read the full history in the PinotFile, Volume 8, Issue 39.
Articles About HillCrest Vineyard
Reviewed Wines
2009 HillCrest Vineyard Memorial Estate Umpqua Valley Pinot Noir
(unlabeled, inquire about availability). From old, non-irrigated, lowyielding vines. · Medium reddish-purple color in the glass. A very distinctive wine with appealing aromas of black cherries, spice, sarsaparilla, chocolate mint, and smoke. Striking fruit core of ripe dark cherries, black raspberries, cherry cola, dark chocolate, spearmint, spice and sassafras with good tannin support and a generous fruit-filled finish. Definitely speaks of place and is nothing like any Pinot Noir from the Willamette Valley or anywhere else in Oregon for that matter. Drink or hold. Reviewed January 19, 2013 ARTICLE »
© 2003-2015 Rusty Gaffney MD | Contact the Prince: email@example.com
| Admin Login


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- A check of the mortgage REITs (REM +0.1%) finds not a lot going on stock price-wise following the first Q1 earnings reports from the sector this week (CYS Investments and Hatteras). As expected, book values grew and prepayments remained at a low level.
- Perhaps unexpected was a good deal of caution from CYS management about mortgage prices - right now, it's finding better value in Treasurys, and awaits a pullback in MBS prices before boosting those holdings. "The mortgage market is a little kid playing with matches," said CEO Kevin Grant on the earnings call (transcript). "We just don't know when everybody's fingers are going to get burnt. The traders that play in this market, they know this and they know they are playing with matches."
- Amid the low supply of MBS out there, Hatteras (HTS +0.1%) management on its call (transcript) says it now has 10 originators delivering wholesale product to the company covering more than half of monthly cash flow needs. Up next is expansion into jumbo ARMs.
- Other sector ETFs: MORT, MORL
- Individual names: Annaly (NLY +0.6%), American Capital (AGNC +0.7%), (MTGE +0.2%), Armour (ARR +0.1%), Two Harbors (TWO -0.6%), Invesco (IVR -0.1%), Capstead (CMO +0.3%), MFA Financial (MFA +0.1%), Western Asset (WMC +0.5%).
Mortgage REITs plug along as first Q1 reports roll in
Comments (6)
They could let their mortgages bleed out, but most are paid in part off of the amount of assets on the books, so they have a conflict of interest. One (I think its AGNC) has a unique strategy of buying up shares of mortgage reits with greater discounts than its own. That really makes sense when these things are trading at 20-30% off book.
Purchased three condos in 2005 as investment properties (UNC Student rentals, 100% occupied since purchase). got financing from SUNTRUST (Nice people), even though the complex was about 90% investor owned. Purchased with about 40% equity (now have about 45% equity). All my FICA scores are over 700.
Let's hope they don't fix the problem. The current situation of irrationally low rates is a form of credit rationing. The only way to remedy this is to raise the rates, which will clobber the principal value of the mortgages now held. Better to let them bleed out for a few years. Also, since the system almost forces the MREIT's to pay above par for new mortgages, the refinancing risk goes away.
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US: Pepsico silent over Lebedyansky deal
PepsiCo has stayed silent after recent press coverage claimed it has agreed to buy a majority stake in Russian juice maker Lebedyansky.
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The Hitchhiker
The Hitchhiker is a mystery anthology series that aired from 1983 to 1987 on HBO and First Choice in Canada. The series later moved to the USA Network from 1989 to 1991. It was known as Le Voyageur in France Wikipedia
He takes you places you don't want to visit alone.
Drama, Thriller, Sci-Fi, Horror
23rd November, 1983
22nd February, 1991
Series Complete
France, Canada, USA


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Ronald R. Barker, PGA
Main Address:
Downriver Golf Course
Spokane, WA 99205-3985
(509) 327-5269
Spokane, WA 99205-3985
(509) 327-5269
3225 N Columbia Cir
Spokane, WA 99205-3985
Spokane, WA 99205-3985
(509) 327-5269
Ronald Barker is a PGA Professional in Spokane, WA. 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.
Services Offered:
- Instruction
- Play Golf of America Participant
Welcome to Golf Month
Professional has not entered award information.
Home » Golf Courses » Washington » Spokane » Ronald R. Barker, PGA


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In fall 2014, Omaha Public Library and Why Arts? Inc. came together to create an innovative new project for after school book clubs. As part of the partnership, five artists spent time at participating schools and used their skills to bring new experiences to reading through visual and graphic arts, sculpture, poetry, music, theater, and dance. … Continue reading
Family finds fun & learning in weekly storytime
Library staff know that interactive storytimes are invaluable in engaging children in the reading process and creating lifelong learners. They don't always know, however, what specific impact they are having on the individuals who attend. That's why it was such a nice surprise for Saddlebrook Branch youth services librarian Katy Brackett when a parent approached her … Continue reading
Early Literacy Calendar Inspires Librarian in India
Since 2006, Omaha Public Library (OPL) has produced an Early Literacy Calendar with support from the Omaha Public Library Foundation and various other health and education focused groups. The 2012 calendar was produced in cooperation with Building Bright Futures, Early Childhood Services, Healthy Futures, and Rotary International. The goal of the calendar is to promote early … Continue reading
Top circulated titles at OPL in 2014
Regular library users will tell you that waiting for the highly anticipated read that you placed on hold can be tough. While some readers skipped the wait by utilizing Omaha Public Library's Bestseller Express, others accepted that new and popular items are simply hard to keep on shelves. Omaha Public Library has prepared a list … Continue reading
OPL 2014 Highlights – a year in review
Thanks for an amazing year! Looking forward to a fantastic 2015! Create your own free slideshow


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Marketing Blogs Directory
1. Customer Care Phone Number, Complaints, Service Center, Helpline | Dealers Contact...
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text: I had a great time this weekend at the 2nd annual Hack4Reno working on Open Data Reno, a hub to identify both available data pertinent to Reno and unfulfilled needs for data. The site is built on a WordPress theme started by Colin Loretz at last year's hackathon, and this year I jumped in along with John Jusayan, Jeremy Murray, and Josh Infiesto to get it operational. I worked on improving the theme with Colin, and also locating and populating the site with data. In the process of doing that I learned more about a couple of useful sites for scraping, scrubbing, re-interfacing, and hosting difficult data sets. One is Cosm, where I found the most accessible air quality index data for Reno. The other is ScraperWiki, where I wrote a scraper to collect and present Reno water quality data from the very unstructured water authority lookup page. Fun!


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Narrow your search
Supporters of Syrian President Bashar Al Assad post messages critical of US military efforts in the Middle East.
The latest mainstream generation of the Chinook helicopter is the CH-47F, which features major upgrades, including fully digitized flight controls.
The US Department of Defense teams up with national defense-engineering firm Survice and Malloy Aeronautics, whose hoverbike combines the lift power of a helicopter with the look of a motorcycle, to develop hoverbike technology.
With drones getting smaller and more powerful, the US Army special forces is testing some expensive handheld surveillance models.
This week on Crave, we read some tweets sent by peeved potholes in Panama City and test-fly a teeny tiny military-grade drone. Plus, a hovering tricycle keeps our dreams of speeder bikes alive -- if the blades don't chop off our heads, that is. It's the Crave show!
The military is testing $40,000 handheld surveillance drones that latch onto utility belts.
Bilbo bows out as the last of Peter Jackson's Middle-earth movies delivers on the battle, not so much on the hobbit.
The epic finale in Peter Jackson's "Hobbit" movie trilogy is coming to theaters worldwide in December. Prepare yourself for the action-packed adventure by watching the final trailer for "The Battle of the Five Armies."
Can the next version of Windows be all things to all people? That's the big question for Microsoft, and the entire computer industry.
Hosts Adam Savage and Jamie Hyneman get set to debunk Stormtroopers' bad aim, test-fly drones, reenact construction site accidents and make a machine gun this summer.


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Kia Dealers Houston, TX
Showing Kia dealers within 25 miles of Houston, TX Edit search
Authorized Kia Dealers
1. Demontrond of Houston 15 miles
14101 North Fwy
Houston, TX 77090
"They had on the lot the truck I was looking for at a great price. The lifetime warranty is a huge plus; great buying experience. "
2. Demontrond Kia 15 miles
14101 North Freeway
Houston, TX 77090
"Quick to respond with help."
3. Parkway Family Kia 20.3 miles
22555 Hwy 59 N
Kingwood, TX 77339
"Loan officer never called by after leaving several messages."
4. Beck & Masten Kia 24.9 miles
25503 State Highway 249
Tomball, TX 77375
"I am beyond satisfied with the service I recived here a Beck & Masten Kia Tomball. I called before arrived let Jeff know which car I was interested in, and upon my arrival he had the keys ready for me to go and test drive. When we arrived back to the dealership there were a few problems on my end but Jeff tried anything possible to keep me uplifted and not to give up and I appreciated that so much. He even tried two other possible cars one in which I was not interested in and he understood and didn't try to push me into and make me interested like other dealerships have done to me previously. He even was willing to teach me how to drive a manual so I could get the second car opption which I thought was a win win because I've always wanted to learn. But at the end of the day I end up getting the wonderful Kia Soul that i had my eyes on from when I walked in. I would definitely recommend this dealership to anyone I know that was interested in getting a new/used car. Not only was Jeff amazing all the staff here is very uplifting and friendly. Thank you Jeff for all your help!"
5. Cowboy Kia Of Conroe 20.4 miles
443 Interstate 45 S
Conroe, TX 77301
"Responded to my request only a couple of times."
6. Demontrond Automotive Group, Inc. 15 miles
14101 North Fwy
Houston, TX 77090
"Vehicle is not 4wd as I rewuested"
7. Archer Kia 13 miles
11614 Southwest Freeway
Houston, TX 77031
"BUYER BEWARE. Came in to check out a forte listed as 14k. They failed to mention some minor scratches on the hood, which I could not have seen because the car was so dirty. while I don't particularly mind the scratches, the fact that they didn't disclose them is unforgivable. Yet another issue, their pre owned inventory does not come with the manufacturer powertrain warranty, even when the mileage and age of the car is still within the 10/100k limit. their lender REQUIRES you to buy an additional, lesser, third party warranty for 1700 dollars. Now, if they would have mentioned this requirement when I applied for the loan, it wouldn't have necessarily been an issue. But the fact that they waited until I was approved, over an hour later, to mention something they surely knew about from previous experience, is just flat out slimy. These people will do anything in their power to rip you off. Hindsights 20/20 I suppose."
8. Fredy Kia 12.2 miles
11711 Gulf Freeway
Houston, TX 77034
"This dealer was also polite. I gave him only my email and he responded with good answers to my question. Thank you for that. He did put me on his dealer email list. I politely asked to be removed from the list. I was put on the list without my permission. I requested to be removed and I think my request was honored. Thank you for that Fredy Kia !"
9. Community Kia 22.2 miles
4221 East Fwy
Baytown, TX 77521
"My wife and drove 3 hours to buy a car after my wife had been talking with the dealership for almost a week. After we arrived we find the car to not be in the shape as described to us. We hesitated but asked the salesman what the best price was. (We were told the car was 14, 900) The salesman comes back wanting almost $18, 000 for the car. We explained to him the price we were given and a few minutes later he comes back with a manager who had given my wife the price and he told us that price we were given was incorrect and they could not sell the car for that amount and didnt even apologize! Long story short we drove to houston afterwards and found the same car a year newer and certified for 14900 and bought it that night. Baker nissan in houston was awesome! Dont waste your time at community kia!"
Dealers With Used Kia Inventory
1. Classic Chevrolet Sugar Land 16.6 miles
13115 Southwest Fwy
Sugar Land, TX 77478
"It was a phenomenal experience! Everyone was friendly,professional and down to earth at the same time. Kevin was my salesman and he was Fantastic! I highly recommend his expertise as well as kindness."
2. Allen Samuels Dodge Chrysler Jeep of Katy 22.9 miles
21777 Katy Freeway
Katy, TX 77450
"Great dealership, contacted me, discussed a car, and followed up"
3. Mike Dodd's Motor Trends 22.3 miles
3971 Fm 528
Alvin, TX 77511
"Didn't end up buying because the car had some issues during the PPI. Donnell was very responsive though!"
4. Texas Auto Pros 17 miles
646 Hwy 6 S
Houston, TX 77079
"I find what I wanted in one day , bought the car online that day. Thanks "
5. Auto Elite 13 miles
10426 Southwest Freeway
Houston, TX 77074
"Easy to work with and very straightforward."
Find a Dealer
Sell My Car
- It's free.
- Reach over 15 million shoppers instantly.
- Free advanced pricing and tracking tools.
- Craigslist posting tool.


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Over the weekend we (finally) launched a little update for Seamless! It's just a placeholder at this point while we finish up the complete site. But it's definitely a step up from what we had—it's responsive—and there's a bit of newer work up there as well.
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Defying the spectre of violence that killed nine people, frequent blasts and a shutdown called in the Terai plains, Nepal on April 10, 2008 kept its date with destiny, holding a unique election after nearly six decades of struggle and bloodshed for it. Octogenarian Prime Minister Girija Prasad Koirala led the 17.6 million voters, being one of the first to cast his vote for the historic constituent assembly election from his home town in Biratnagar in southern Nepal as polling opened at 7 am.
Text: IANS
As soon as the over 20,000 polling booths opened in 240 constituencies in 75 districts, voters began queuing up to cast their ballot in an exercise that could spell doom for the nation`s centuries-old royal family and transform the Himalayan kingdom into a federal republic.
Text: IANS


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TV Shows
Sort By
Weinerville(1993 - 1996)
The show, a totally outrageous half-hour variety show, uses classic elements of kid's programming, which include puppeteering and interaction with a live studio audience, to entertain kids and their parents. Weinerville Productions also produces live nationally touring stage shows. Weinerville speci...
We Got It Made(1983 - 1984)
Attorney Dave Tucker(Matt McCoy)and Salesman Jay Bostwick(Tom Villard) are 2 young bachelors,living in a two bedroom apartment in Manhattan.Dave is an uptight, neat freak,while Jay is a zany, slob.The two decide to hire a housekeeper.The applicant,a gorgeous young woman named Mickey MacKenzie(Teri C...
Weekend With The Stars/Starathon(1978 - 1998)
Local:WOR/WWOR TV Ch.9 NYC/Seacaucus,N.J. December 30,-December,31,1978-1998 Hosts:Jane Pickens,Dennis James,Steve Lawrence,Edie Gorme',Morty Gunty,William B.Williams,Paul Anka and Florence Henderson. During the New Year's Weekend of 1978..The Ceribral Palsy Telethon went network and the show mov...
The Weekenders(1999 - 2004)
The Weekenders is an American animated television series about the week end life of four diverse 7th graders: Tino Tonitini, Lorraine "Lor" McQuarrie, Carver Descartes, and Petratishkovna ("Tish") Katsufrakis, voiced by veteran cartoon voice-actors: Jason Marsden, Grey DeLisle, Phil LaMarr, and Kath...
Wedding Peach(1998 - 1999)
Momoko Hanasaki is a first year junior high student with a crush on upperclassman and soccer captain Kazuya yanagibia. She was an ordinary girl, until the day the angel limone gave her a compact that transformed her into demon fighting love angle wedding peach. She was joined by Yuri, who transform...
Webster(1983 - 1989)
The post-retirement season is suddenly disrupted for football player George Papadapolis and his wife Katherine when Webster, the orphaned son of a former teammate, moves in. Laughter -- and life lessons -- in every episode.
Weakest Link(2001 - 2003)
Based on the British show of the same name, eight contestants compete for $1,000,000 by answering questions in a chain. Hosted by Anne Robinson on NBC and George Gray in syndication.
We'll Get By(1974 - 1975)
Family in New Jersey getting by during the 70s. Adam Arkin played the dad. Paul Sorvino played the grandfather. Willie Aames was one of the kids. Created and written by Alan Alda.
WCW Thursday Thunder(1998 - 2001)
WCW attempted an expansion with Thursday Thunder to try and make more money by accomodating their rather large roster of wrestlers. Fans didn't have to wait a week for their story continuation, they only had to wait 4 days. Truth be told the existence of Thunder can be widely credited for the subseq...
WCW Saturday Night(1992 - 2000)
WCW Saturday Night was the weekly Saturday night TV show on TBS, produced by World Championship Wrestling. The show featured a hi-tech, futuristic design with a unique entry way of slide-open doors and billowing smoke as the performers made their way to the ring.


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iHerb Customer Reviews
Conquers Poor Digestion! Buy this!
17 people found the following review helpful
Posted by Reviewer1901776 on Oct 08, 2012
My husband has taken a long list of remedies for acid reflux including prescription acid blockers. This product works. Take 1 with a light meal & take 2,3 with a heavy protein meal! The capsules are easy to swallow and the benefits are incredible. Our stomach's ability to produce acid lessens with age and this supplement helps to digest your meal. Doctors tell us we have too much acid; actually the opposite is true. With too little acid in your stomach, the food doesn't digest properly & stays in your stomach long after it should be digested and gone. This is what gives you heartburn, reflux, and discomfort. Take this supplement with your meals, your food will digest properly and your stomach will thank you. Over a period of time your digestive acid will rebuild and you will not need to take as many capsules. We HIGHLY recommend this product.
Seems to work
7 people found the following review helpful
Posted by Reviewer1352910 on Oct 21, 2011
Been using for some time now, I've lost my grey appearance and dry skin issues
8 people found the following review helpful
Posted by Reviewer3131880 on Aug 05, 2011
I have had problems with my bowel for many years & now my new GP has put me on these & after a week & a half my insides are starting to work. Hooray
Thorne Products are fantastic!
2 people found the following review helpful
Posted by Reviewer2248925 on Mar 07, 2012
I really like Thorne Products! They are free of all the binders like magnisium stearate and corn and the things that people become sensitive to in the grocery store brands. The price is great too! I would recommend this to anyone!
Good Review
2 people found the following review helpful
Posted by Reviewer3221522 on Apr 11, 2012
I am pleased to recommend this product. It has eliminated my issues with acid reflux.


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CEDAR FALLS- Two rivals went at it all the way to the end on Sunday.
The Northern Iowa women's basketball team had a one-point lead with 10 seconds left, but Drakes' Carley Grenfell hit a three-pointer to give the Bulldogs a two-point lead. The Panthers tried to tie it up, but Drake went on to win 66-64.
The Panthers are now 10-10 overall and 6-3 in the MVC.
Cedar Rapids, Iowa News, Sports, and Weather
Drake Three-Pointer Knocks off Panthers
By Josh Christensen, TV9 Sports
Most Popular


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Get On Your Knees by TazAndMeWatch
©2012-2015 TazAndMeMature Content
:'D how do i anatomy? im proud that I did full bodies. its Landon on his knees and Adam standing. Adams arm is so messed up... Yea this is kinda bad but I tried my best. I worked 5 hours on this. Comments and critique welcome! I'm proud of myself!


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11 of 14 people found the following review helpful
no subtitles,
Verified Purchase(What is this?)
This review is from: Kingdom of Plants in 3D (Blu-ray 3D) (Blu-ray)
Very good film and 3d. Spoilt for me (because I'm deaf) by lack of subtitles! Perhaps I should have investigated more before purchase, but I ordered a while before it was released. LESSON LEARNED.
Sort: Oldest first | Newest first
Showing 1-2 of 2 posts in this discussion
Initial post: 12 Oct 2012 19:24:00 BDT
mickram23 says:
It must be very frustrating when dvd's are released without subtitles. Even so, I would imagine this is still worthwhile watching for the stunning photography and the 3D.
Posted on 17 Jan 2013 01:39:10 GMT
Michael Dobey says:
many movies have no subtitles. which is why I feel for you! it sucks that you are deaf for sure.
‹ Previous 1 Next ›
Review Details
(108 customer reviews)
�19.99 �9.99
Top Reviewer Ranking: 1,876,710


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An Excessive Heat Warning is in effect from 6/25/2015 9:00 AM to 6/27/2015 9:00 PM PDT for Mohave County. Learn more about how to stay safe in extreme heat and stay informed about future heat alerts.
Arizona Loan Repayment Program
Loan Repayment Contracts – Restrictions
Loan repayment is restricted to a maximum of three lending institutions per recipient. In the event of more than one lender, the recipient must submit to ADHS a completed Priority of Loan Repayment Form setting forth the priority for which the lenders will be paid.
- It is the responsibility of the loan repayment recipient to inform the lending institutions of any changes in their loans, for example, a change from monthly to quarterly payments.
- It is the responsibility of the loan repayment recipient to immediately notify ADHS of any changes to his/her lender or account information so that program staff can initiate a contract amendment. Failure to do so will result in delay of loan repayment. Loan repayment will not be disbursed without a fully executed amendment.
- It is the responsibility of the loan repayment recipient to keep his/her ProcureAZ profile updated whenever a contractual change in his lender information occurs. For technical support, please contact the ProcureAZ Help Desk or call (602) 542-7600.


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As of Friday, July 5, 2013
© Copyright 2015 Clayton News Daily
By Kathy Jefcoats
JONESBORO — A Jonesboro man indicted in April for pimping has been indicted in the alleged assaults on two women, according to court documents.
Demetrius Lamont Hadley, 34, was indicted in the Nov. 18 alleged assault on Emily Choate. Prosecutors said Hadley knocked her to the floor and stood with his foot on her neck. He faces charges of kidnapping with bodily injury, aggravated assault and battery under the Family Violence Act.
Prosecutors allege that Hadley attacked Anessa Ivey March 17 in front of two children. Hadley allegedly hit Ivey in the face, grabbed her neck and choked her. He was indicted on two counts of aggravated assault, battery under the Family Violence Act and two counts of child cruelty in the third degree.
Court records show Hadley is due in Clayton County Superior Court Monday for aggravated assault, kidnapping, pimping, false imprisonment and battery. He was indicted in that case in April.
Police said he collected money from a prostitute Nov. 11. He allegedly kidnapped her six days later and held her against her will, hitting her on the chin and choking her.
According to Clayton County State Court records, Hadley pleaded no contest in June in another case, involving obstruction of an officer. He was sentenced to 12 months, with six to serve in jail. The balance of the sentence was to be suspended upon payment of a fine.
More like this story
- Alleged pimp indicted in attack of teenage girl ( April 13, 2013 )
- Alleged fight with roommate lands man in jail ( November 21, 2012 )
- Riverdale woman indicted for blinding victim ( March 21, 2012 )
- Alleged gang members indicted in shooting ( March 2, 2012 )
- Man indicted in alleged beating of wife ( September 13, 2013 )


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Thank you. If a matching email exists we will send you an email in a few minutes with instructions on how to reset your password.
Don't forget to check your spam folder if you cannot find the email. For further assistance please contact us at email@example.com .Okay
This galvanized metal garland features delicate leaf shapes throughout. String it in the garden or on the patio for a whimsical effect.


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Resource4thePeople notes that there may be legal time limits involved in such actions and is requesting consumers to make contact as soon as possible in order to preserve all legal options available.
Byetta was originally approved by the FDA and released onto the market in 2005, with its primary function being to help patients with diabetes manage their condition.
It is applied by injection and it and the other incretin mimetics, according to the FDA, mimic the incretin hormones that the body usually produces naturally to stimulate the release of insulin in response to a meal.
The agency said the medications are used along with diet and exercise to lower blood sugar in adults with type 2 diabetes.
In its announcement,* the FDA reiterated a previous public warning "about postmarketing reports of acute pancreatitis, including fatal and serious nonfatal cases, associated with the use of incretin mimetic drugs exenatide and sitagliptin."
An agency officials also said that a recently published study that examined insurance records also found the use of exenatide or sitagliptin could double the risk of developing acute pancreatitis.
The official said that the Warnings and Precautions section of the drug labels and the patient Medication Guides for incretin mimetics contain warnings about the risk of acute pancreatitis.
Resource4thePeople also is providing consumers some of the cautionary analysis about Byetta and its sister drugs. Here are some of the warnings and precautions taken from the agency's web site:**
What is the most important information I should know about BYETTA?
Serious side effects can happen in people who take BYETTA, including inflammation of the pancreas (pancreatitis) which may be severe and lead to death.
Before taking BYETTA, tell your healthcare provider
|Source: PRWeb
Copyright©2012 Vocus, Inc.
All rights reserved


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The truth behind the pop star's crop top obsession.
Kendall Jenner Shows You How To Pull Off Summer's Hottest Trend
Kendall and Kylie always bring it on the red carpet, but their off-duty style is just as cute. Steal their best street style looks.
Demi Lovato Wore the Hottest Black Bikini Ever
From bright bikinis to retro two-pieces, these celebs know how to make a major style statement at the beach!
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Submitted on Чет, 06/09/2005 - 12:37pm
Submitted on Суб, 06/27/2015 - 2:25pm
The IWW was founded on June 27, 1905, and we haven't aged a bit! Read more on the history of the One Big Union, as well as minutes from the founding convention: http://www.iww.org/history/founding.
Submitted on Пят, 06/19/2015 - 4:33pm
By Ron Kaminkow - Labor Notes, June 16, 2015
Disclaimer: The views expressed here are not the official position of the IWW (or even the IWW's EUC) and do not necessarily represent the views of anyone but the author's.
The news media have been full of speculation about what caused an Amtrak train to derail east of Philadelphia on May 12, killing at least eight people and injuring hundreds.
Train #188, operated by lone engineer Brandon Bostian, entered a curve with a speed limit of 50 miles per hour, at over 100.
Was this excessive speed the result of fatigue, inattentiveness, a projectile that hit the train (and possibly the engineer), or some other factor? The investigation may eventually pinpoint the cause—or we may never know.
But we do know this: had there been a second crew member in the cab, it's very likely that person would have taken action to prevent the tragedy when, for whatever reason, the engineer at the controls could not.
And blaming a worker just distracts the public from eliminating the real hazards. There exists simple, affordable technology that Amtrak could and should have implemented years ago—which could have prevented this terrible wreck.
Submitted on Вос, 05/31/2015 - 5:32pm
Download a Free PDF of this issue.
Submitted on Чет, 05/28/2015 - 9:52am
From iww.org.uk
SUPPORT BAHAR MUSTAFA - The 2015 annual IWW Conference strongly approved an emergency motion proposed by London IWW to stand in solidarity with Bahar Mustafa, a Goldsmiths students' union officer who has faced persecution in the mainstream media and death threats from the right wing for organising a meeting for BME (Black and Minority Ethnic) women and non-binary people. We support Bahar and the right of the oppressed to self-organise, and we encourage our members and supporters to sign this petition to defend Bahar.
Here is the URL of the petition in support of Bahar: https://www.change.org/p/goldsmiths-college-and-beyond-open-letter-in-solidarity-with-bahar-mustafa-welfare-and-diversity-officer-goldsmiths
Read the full story.
Industrial Workers of the World
General Headquarters
PO Box 180195, Chicago, IL 60618, USA
tel: (773) 728-0996
Email - ghq [at] iww.org
Website - www [at] iww.org


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Weekly Worship
THIS SUNDAY: June 28, 2015
Please join us again for worship this week
latest Sermon: May 10, 2015 by Rev. Stephen Bibb "So That You May Love One Another"
Traditional Worship • 8:30 a.m.
Children's Sunday School • 9:50 a.m. (will return in the fall)
Youth and Adult Sunday School • 9:50 a.m. (will return in the fall)
Marketplace Contemporary Worship • 11:00 a.m.
Hearing assistance devices available.
Childcare is available for all services.
Wednesday Night Live (will return in the Fall)
[map and directions]
Guests click HERE
720 Grand Avenue
West Des Moines, Iowa 50265-3624
Phone (515) 279-0826
Office Hours
Administrative Office (on the 2nd floor):
Monday - Thursday 9:00 a.m. - 4:00 p.m.
Friday: 9:00 a.m. - 12:30 p.m.
Sunday: 8:00 a.m. - 10:00 a.m.
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Click HERE to sign up to work the State Fair stand.
Click Here for more information about the State Fair stand.
Vacation Bible School
July 12-16
Ages 3-Going into 5th grade
Dinner For All: 5:00-5:45pm
$2/children; $3/adults
Program: 6:00-8:00 pm
Click HERE to get registration form.
Click HERE to volunteer.
Formulario de inscripción
Escuela Bíblica de verano
An adult study will be led by Rev Steve and is called "Five Marks of a Methodist" by Steve Harper.
"The Link"
Click on "The Link" for the latest news from West Des Moines United Methodist Church.
Click on "Pathways" for the West Des Moines United Methodist monthly newsletter.
Click HERE for guest information.
Our Vision & Our Mission
Our Vision is . . .
Changing lives in the Name of Jesus Christ.
Our Mission is...
To create a welcoming atmosphere
To invite others to join our faith journey
To involve all in worship, service, mission, small group participation, tithing and prayer
To connect our faith in Jesus with our daily lives