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Reverse Mortgages: A Resource for Older Homeowners Stephanie Edelstein American Bar Association Commission on Law and Aging Reverse mortgages can be a valuable resource for older homeowners in need of additional funds to maintain a home, to meet daily living expenses or pay for home care, or for those who would like to engage in travel or other endeavors. Reverse mortgages can also be utilized to save homes from foreclosure when other avenues have been exhausted. Products are complex and expensive, and potential borrowers should be counseled on costs, options, alternatives and legal consequences. Note: Fannie Mae's Home Keeper for Home Purchase program offers a reverse mortgage to assist in sale of one home and purchase of another. A. What is a reverse mortgage? Reverse mortgages are rising debt loans through which a homeowner-borrower receives advances secured by home equity. Products currently available: Home Equity Conversion Mortgage (HECM, insured by FHA), Home Keeper, and Cash Account Plan (Financial Freedom proprietary product). B. Borrower eligibility. 1. To be eligible for a reverse mortgage, a borrower must: be at least 62 years old own and occupy home to be mortgaged as primary residence 2. There are no minimum income or asset requirements. 3. HUD allows guardian of property or attorney-in-fact under a durable power of attorney to execute necessary documents provided has authority to obligate property. HUD Mortgagee Letter 93-22, http://www.hudclips.org. C. Property eligibility. 1. Home Equity Conversion Mortgage (HECM) Program: single family detached homes duplexes triplexes some 4-unit buildings if one unit is owner-occupied some condominiums some manufactured homes and Planned Unit Developments. Edelstein, ABA Commission on Law and Aging 2005 Page 1 of 5 2. Fannie Mae HomeKeeper Mortgage: single family detached dwelling detached units in a Planned Unit Development some manufactured homes, if on permanent foundation, taxed as real estate some condominiums. 3. Financial Freedom Cash Account: single family detached homes some condominiums 1-4 unit buildings if one is owner-occupied single units in Planned Unit Development some manufactured homes, if on permanent foundation. 4. Property should have little or no outstanding mortgage or liens. Liens must be paid off at closing. (Can pay off with reverse mortgage proceeds.) 5. Cooperatives and mobile homes are not eligible for reverse mortgages. 6. Property held in inter vivos trust is eligible. 7. All title-holders to property must be eligible borrowers. D. Factors considered in determining loan amount. 1. age of borrower(s) 2. maximum loan limit (varies according to product) a. HECM: maximum amount that may be borrowed is set by the Department of Housing and Urban Development, and varies depending on where house is located. Limit in 2004 is $290,319. b. Fannie Mae HomeKeeper: single national loan limit, which in 2004 is $333,700. c. Financial Freedom Cash Account: no maximum loan limit. 3. loan term 4. interest rate and loan costs 5. outstanding liens to be repaid 6. size of lump sum disbursement E. Products and loan options. Edelstein, ABA Commission on Law and Aging 2005 Page 2 of 5 1. HECM a. lump sum b. term (fixed monthly payments for a particular length of time) c. tenure (monthly payments for as long as borrower occupies property) d. line of credit e. combined line of credit plus term or tenure. 2. Fannie Mae HomeKeeper a. tenure b. line of credit c. combination tenure plus line of credit 3. Financial Freedom Cash Account a. revolving line of credit, minimum draw $500. F. Restrictions on loan proceeds. None. G. Loan costs and repayment. 1. Non-recourse: lender's recovery limited to lesser of loan balance or appraised value of home. 2. No repayment of loan or interest required until: a. last borrower sells or permanently vacates house, or b. fixed repayment date in a term loan. 3. Reverse mortgages are expensive. a. Basic costs include origination fee mortgage insurance premiums closing costs servicing fee interest b. Up front fees - expensive for short-term borrowers. c. Programs and products vary widely in actual costs and size of cash advances. 4. Truth-in-Lending Act requires lenders to disclose actual costs, including of annuities offered or purchased as part of transaction. Requires disclosure of Total Annual Loan Cost (TALC) – a single rate that includes all costs and charges incurred. 12 C.F.R. 226.33. Edelstein, ABA Commission on Law and Aging 2005 Page 3 of 5 F. Borrower responsibilities. Borrower retains title to property during loan term and is responsible for: 1. taxes 2. repairs 3. maintenance. G. Counseling issues. 1. Some state laws require counseling for all borrowers. 2. HECM and HomeKeeper require pre-application consumer counseling by HUD-approved counseling services. 3. Financial Freedom encourages counseling, refers consumers to HUDapproved counselors. 4. Counselors screen for eligibility, compare plans and products, explain obligations under the loan, and discuss alternatives for generating additional income or assistance, (e.g., property tax credits, other housing programs, government income and health benefits, or community support services). 5. AARP Home Equity Information Center offers training and certification in reverse mortgage counseling to HUD approved housing counselors, and is also piloting telephone counseling in some areas of the country. 6. Lawyers can supplement housing counseling with advice about real estate and contractual issues, tax consequences, estate and long-term care planning implications, and impact of the loan on government benefits. a. Reverse mortgage may not be suitable for a person who is determined to leave her home to her children. b. All title-holders to property must be eligible borrowers. Title-holders who are not eligible (e.g., younger than 62) must be removed from title prior to application. c. While properties held in trust or by borrowers with diminished capacity may be eligible for a reverse mortgage if there is a guardian of the property or homeowner executed durable power of attorney, these situations raise legal questions that should be addressed. d. The IRS considers reverse mortgage income to be a loan, and not taxable. The interest is not deductible where there is no repayment until the loan comes due. However, revolving credit and other repay and re-borrow options may yield different results. e. Reverse mortgage income will not affect eligibility for Social Security, Medicare, or other insurance-based retirement benefits. 20 C.F.R. §§416.1103(f)(1991), SSI Program Circular 04-91-OSSI. Money not Edelstein, ABA Commission on Law and Aging 2005 Page 4 of 5 spent during the month in which it is received will count as a resource, and could affect eligibility for Supplemental Security Income (SSI), Medicaid, and other need-based benefits. f. Annuity-based products have both tax consequences and implications for government benefit eligibility. Annuity income is taxable; it is also counted for purposes of SSI eligibility. Note: HECM reverse mortgages can be refinanced. Counseling is waived under certain circumstances. G. Home Keeper for Home Purchase. Fannie Mae product that allows an eligible borrower to sell one residence, obtain a reverse mortgage for purchase of a second residence. Borrower must be at least 62 years of age, home sold and home purchased must be primary residence(s), home sold must be free of liens. Other conditions apply. See Fannie Mae website for information. I. Reverse mortgage resources. AARP Home Equity Information Center: http://www.aarp.org Fannie Mae: http://www.fanniemae.org Financial Freedom Senior Funding Corporation: http://www.ffsenior.com National Reverse Mortgage Lenders Association: http://www.reversemortgage.org U.S. Department of Housing and Urban Development: http://www.hud.gov National Center for Home Equity Conversion: http://www.reverse.org **************************************** Edelstein, ABA Commission on Law and Aging 2005 Page 5 of 5
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If the game freezes, just click inside it (games can get unresponsive if you click elsewhere on the page).
Barbi here was invited to a red carpet event tonight and she must search either for an evening or a cocktail dress. And she needs your help, because you are in charge of finding the perfect dress for her. The dress must be trendy and stylish so search carefully and then match the jewelries and clutches to the dress. Enjoy being Barbi's stylist!
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Let's face it—regulatory compliance is a big part of your daily grind. That's exactly why you don't want to miss the Compliance Connection Conference (C3) on July 30-31, 2013 in Columbia. And if you register before June 24, 2013, you will receive a special early bird rate. There is also tiered pricing for qualifying credit unions.
The 2013 Compliance Connection Conference (C3) is coming to Columbia on July 30-31. If you have responsibility for compliance at your credit union, this is a "don't miss" event.
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Gear Review
Cute and eco-friendly, runs small
I like this boot - particularly the green aspects about it; however, it does run small - at least a half size. I am returning and going up a half size larger.
View More Details on Timberland Mount Holly Tall Lace Duck Boot - Women's


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Picture: Kylie Minogue UK film premiere of 'White Diamond' held at Vue West End London, England - 16.10.07
Australian singer Kylie Minogue has hailed her guest of honour appearance at SIR Elton John's annual White Tie And Tiara Ball as her official return to showbusiness after recovering from cancer. The SPINNING AROUND singer, who was forced to cancel the Australian leg of her world tour last May (05) when she was diagnosed with breast cancer, was joined by Simon Cowell, Rod Stewart, Elle Macpherson and Ozzy Osbourne at John and partner David Furnish's mansion in Windsor, England, last night (29JUN06). She said, "This is my official coming out."


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DOGS: adorable just right pups, well priced also, 9 weeks old, call 843-658-3877, 3 males $399 each, 2 females $499 each, Have had 3 vaccinations and dewormed every two weeks. Dewclaws are removed. Parents are on site and it is really important to see parents...More info Email a friend
DOGS: Short & Long haired. Puppies born 4-19-15. Please call for appt. to see & pay cash . No checks, No money orders. No calls after 9pm. 803-321-3953. Leave message if no answer. Send email request for photos. Parents on premises. -----One LH (long haired)...More info Email a friend
DOGS: BoykinSpaniel pups. BSS reg Boykin males $900. Females $1200. AKC English Cocker Spaniels $900. Brittany pups. $700 Good hunters and great pets. 229/868/8382 Mcrae GAMore info Email a friend
DOGS: Beautiful AKC white lab puppies, born May 14, 2015. $750. Socialized, playful, healthy, and lovable. Perfect pet and protector. Almost crate trained. Both parents onsite. Sire is OFA hip certified, from champion hunting background, light yellow, energetic...More info Email a friend
DOGS: Adorable BK. & Tan Chihuahua pup 1 M. & 3 F.. 3 lbs. or less. Full blooded apple head .Ready for new homes .Come with puppy kit .Up on S. & W. Call 803 936 9855More info Email a friend
DOGS: We are small hobby breeder near Augusta, Ga-We are State licensed and inspected.. We have one sweet all black male Poodle, ready to go NOW..He is Vet check-He will be 6 to 10lbs grown-300/firm.. Yorkies-One Male left-Will be 5-7lbs grown..Ready 7/12-He ...More info Email a friend
DOGS: TEACUP YORKIES & MORKIES RARE COLORS TOO! Teacup Yorkie puppies READY NOW for their forever home!We Have Colors; Black and Tans, Chocolates, Isabella Chocolates & Parti Yorkies. Prices are ranging from $600. To $1600. Sizes vary from 3 to 6 pounds full...More info Email a friend
PETS: AKC Reg.European Lines.Sire&Dam proven with titles and hips/elbowsnormal.DOB4/07/15.Males&Females.Sable,Black&BiColors Shots.worm&chip.UTD. Ready for forever home .More info Email a friend
DOGS: Full blooded AKC ENGLISH Labrador puppies will be ready to go to their forever homes after 7/5/15. SIRE and DAM are ENGLISH and have the block head and otter tails. Taking deposits now! Born 5/24/15! Males and females available! Sire and Dam on site, trained...More info Email a friend
DOGS: Beautiful top quality M&F pups. Parents on site, pedigree,health guarantee, Born 5/20. Shots and wormed. Fantastic family dog, loves kids and other pets. Pups available for limited time only, so call/text/email today to schedule a showing or additions information...More info Email a friend


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Results 1 to 3 of 3
April 5th, 2013 #1
Illustrator, Concept and Cover artist looking for work!
I'm an illustrator out of Cleveland, Ohio - i've done work for Asimov's, Analog, and I'm currently working on the cover for the E-zine Spellbound for their summer edition. My Asimov Cover went out of print about 5 days ago, and my Analog internal image goes up in July. I've also done work for some Indie video games, and small press book covers, but for the most part i've been doing personal commissions for the last three years. I'm looking for freelance projects, and i'm open to future full time employment as well. I have working knowledge of Zbrush, Maya and Illustrator, though my main choice is Photoshop.
Email: email@example.com
Portfolio: http://www.alradeck.daportfolio.com/
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Hide this ad by registering as a memberApril 5th, 2013 #2
Some smattering from work- commissions and GOH stuff for a covention.
April 5th, 2013 #3
And some files that I had to fiddle with to put up


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Sean Lowe to Begin His Romantic Quest on ABC's THE BACHELOR, 1/7
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|Related: THE BACHELOR, ABC, Reality TV
A heavy sigh went out from millions of viewers as they shared Sean Lowe's heartbreak when Emily Maynard – who all season long called him the "perfect man" -- made him the last bachelor eliminated before the finale of the eighth edition of "The Bachelorette." It completely blindsided Sean, who finally had been able to admit to Emily that he was in love with her. Now, after falling for Emily, Sean knows the time is right for him to make the ultimate commitment to the right woman and to start his own family, when the 17th edition of ABC's hit romance reality series, THE BACHELOR premieres MONDAY, JANUARY 7 (8:00-10:01 p.m., ET) on the ABC Television Network.
Sean, 28, a successful Dallas businessman and entrepreneur, totally charmed Bachelor Nation when he pranked Emily on his hometown date, fooling her into thinking initially that he still lived at home with his parents. Having fallen in love on "The Bachelorette," this sincere, reliable all-American guy is confident that he will find his soul mate and a lasting, love-filled relationship this time on "The Bachelor." A real romantic, he loves to make a woman feel special and, as a life-long Texan, holds Southern values close to his heart. He wants to propose once, be married once and live a faithful family life, like his parents, who have had a loving 35-year union. Sean has a clear vision of what his life would be like with that one special woman: He wants to be the patriarch of a family that is centered on faith, love and laughter. He is eager to be a supportive husband who will encourage his wife to chase her dreams, and to be someone she can rely on to help her through good and bad times. Quite simply, he is looking for his best friend. Sean also wants a big family and would love to adopt a child, as well as have some of his own, as long as he can pass on the values he has taught his kids.
His close-knit family includes a sister, Shay, who was introduced to her husband by Sean. The two men were best friends on their college football team. Shay and her husband have two children, whom Sean adores.
The 6'3" Sean went to Kansas State on a full football scholarship and, as a linebacker, was part of the 2003 Big 12 Conference Championship Team. He also received a BS in social science. Although he started off his career in finance, he followed in his father's footsteps in the insurance industry before committing to his new enterprise, owning and running an upscale, custom furniture business.
Sean has varied hobbies and interests, including camping, wakeboarding, dancing, outdoor activities, attending concerts and doing just about anything with his two dogs, Lola and Ellie.
Hosted by CHRIS HARRISON, "The Bachelor" is produced by Next Entertainment in association with Warner Horizon Television. Mike Fleiss and Martin Hilton are the executive producers.
Photo courtesy of ABC
About Author
- CNBC to Air THE MAKING OF DIG, the USA Network Event Series, 3/1
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- Telemundo to Give Viewers Sneak Peek at Upcoming Programming on LO NUEVO, Today


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All Sevendust Articles
Video: Call Me No One, Featuring Member of Sevendust, Preview and Discuss New Song "The World Is Dead"
Call Me No One, the new group featuring Clint Lowery and Morgan Rose of Sevendust, are releasing their debut full-length, Last Parade, on June 5. In anticipation of the record, they're releasing videos of Lowery discussing and previewing each song from the album. First up is the track, "The World Is Dead." Watch below, and […]
Dark New Day Premiere New Song, "New Tradition"
Hard rock supergroup Dark New Day are premiering the title track from the band's sophomore album, New Tradition. The record will be released on February 28. Dark New Day features Clint Lowery (guitarist from Sevendust), Will Hunt (drummer from Evanescence), Troy McLawhorn (guitarist from Evanescence), Brett Hestla (lead singer/guitarist from Virgos Merlot), and Corey Lowery […]
The Year in Live Photos
From the Big Four to Avenged Sevenfold at the Golden Gods, 2011 has been one hell of a year
Exclusive Video: Revolver, On Location at the 48 Hours Festival, Powered by Rockstar Energy Drink
The 48 Hours Festival, Powered by Rockstar Energy Drink, featured many of the biggest names in hard rock, including Avenged Sevenfold and Korn, and took place last month on the Las Vegas Strip. RevolverTV was there to capture the weekend in all its glory. Check out this recap video of the event below, featuring performances […]
Photos: Sevendust, Live in Hollywood
Sevendust are currently on a tour, supporting their latest, Cold Day Memory. They will be at the 48 Hours Festival, powered by Rockstar Energy Drink, on Sunday. Last night, though, Revolver photographer Stephanie Cabral was on hand to capture the mayhem, at Hollywood's Key Club.
The Rockstar Energy Drink Uproar Festival Seeks "Miss Uproar"
The Rockstar Energy Drink Uproar Festival is holding a Miss Uproar contest. The grand-prize winner will get the title of Sullen Art Collective's Miss Uproar 2011, as well as become a Sullen Angel model, have the portfolio and career-building opportunity of being featured in a Sullen Art Collective, and a Rockstar Energy Drink ad campaign. […]
Be a Zoom Pit Reporter at the Rockstar Energy Drink Uproar Festival
The Rockstar Energy Drink Uproar Festival kicks off at the end of the month (see the dates below), and it's currently holding a contest where two lucky fans can win the chance to document the show, including headliners Avenged Sevenfold, using Zoom Q3HD cameras on the date of their choice. The contest ends August 24, […]
Avenged Sevenfold, Korn, and Godsmack Headline the First 48 Hours Festival, Powered by Rockstar Energy Drink
The inaugural 48 Hours Festival, powered by Rockstar Energy Drink, which promises to be "the world's biggest rock and roll party weekend," will take place this October 15 and 16 on the Luxor Festival Grounds in Las Vegas and will feature coheadliners Avenged Sevenfold, Korn, and Godsmack. Over those two days, two stages will also […]
Sick Puppies Singer-Guitarist Shim Moore Reveals His Five Favorite Bands to Play With
Cofounded by singer-guitarist Shim Moore and bassist Emma Anzai
DevilDriver, Dethklok, Fear Factory, Sevendust, and More, Now on the Revolver TV Mobile App
Check out video of members of DevilDriver and Dethklok together at the Revolver Golden Gods; Bleeding Through's Marta talking to Fear Factory; Crash Kings performing "Mountain Man" live; Sevendust's video for "Unraveling"; and more, right now on the Revolver TV Mobile app!


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Do horses have the right of way on roads?
I know that bicycles and pedestrians do, but what about horses? I have to ride a short distance about 1/8 mile on a road with not much shoulder to get to trails. Road is 2 lane residential 25 MPH, but everyone seems to drive faster than that. It is scary, but I have no other option to trail ride. I have posted about this before and I can't just give up on trail riding. That is what I bought my horse for. Unfortunately, he cannot be trusted to stay safely off to the side of the road. What to do??
When if you have full right of way, drivers don't know or respect that! Just be safe ok?
I would not ride an unsafe horse down the side of the road. If your horse spooks, gets in the road, causes a wreck you will be liable. You need to work short stretches of the road at a time until the horse can calmly go down the road.
I don't care if horses/bikes/pedestrians have right of way or not - cars are bigger, heavier, faster and tougher and will severely injure/kill you AND the horse if they come speeding around a bend and can't stop.
I do not trust road users when on a horse. It is 100% your own responsibility to keep safe, not the other road users. If you KNOW that your horse is not trustworthy on roads, you NEED to work on that before riding him out. It's not worth his life, your life and the life of a motorist.
You'd be surprised at what traffic laws are still on the books. In Manitoba a gal was waiting to cross a highway when a semi driver blew the air horn and the horse went over backwards. Our club decided to dig into the laws. Going way back the law was still 25mph if livestock was within x many feet of a roadway. The newpaper printed the story for us and the speed law, which helped.
Re right of way: You'd have to check your local municipality/county to see what they have in place for road usage. As an example, where I am, the City that I'm closest to has the rule that if you're pedalling a bicycle you're basically operating a vehicle so must follow those rules applicable to vehicle operation - however if you're pushing rather than riding your bicycle then you are considered a pedestrian.
Re safety: Kayty has summed up that quite nicely. I would add that to increase your safety on that short stretch of road in particular, you should be wearing helmet and vest if possible; you should consider the time of day you plan on heading down the road (pick times when traffic volume is down eg 2:00 in the afternoon might be a quiet time because most people are at work and 5:30 in the afternoon might be a busy time because people are coming home); consider leading him down the road (if he's quiet and steady at that) and mounting when you hit the trail; at every opportunity work on your leg yielding, turning on forehand, haunches, sidepassing, etc. to refine and improve the communication between you two so that it becomes second nature for your horse to respond to your voice, legs and reins to improve "placement" when on the road - add this to putting on lots of good miles on your horse and you've got yourself a plan.
I knew you all would say this, but how do I get my horse used to being near a road if I can't take him on it? I have before and we haven't been killed yet, but there were some close calls and everytime I go out I am more nervous. I walk him to the end of the drive and make him stand there while cars pass. I wait until there are no cars and walk him out aways and back. I practice all the time, but the fact is, I can never absolutely predict how he will behave. I can deal with anything, anywhere, except on the road. Cars freak me out. I feel like I am being pushed by them and don't have the time to work through a situation like I would normally if I didn't have a car trying to pass me.
If it's only an 1/8th of a mile, there is no shame at all in leading the horse. Also carry a long bike flag sideways, makes cars move over.
Kayty--- I totally agree with you, but how do you get a horse used to being on the road without him being on the road? It is almost a rhetorical question. I had my horse on the road and a motorcycle stopped beside us to ask a question and my horse was unfazed. But another time, there was no traffic and a garbage can caused him to lose his mind. I never know what to expect.
I actually feel safer on his back than leading him, cause I feel more in control. Can I carry a flag in my hand maybe?
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Tags: secondary roads
Iowa Overlay: Concrete on asphalt overlay upgrades farm-to-market road
Oak Crest Hill Road South East in Johnson County, Iowa, appears to be just a typical farm-to-market secondary road.
But being one of 11 Iowa highway "stimulus" projects worth, in total, $13.7 million, makes it a little less ordinary. ... Read More...
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Even FC Bayern München coach Jupp Heynckes, 68 and with three decades of coaching experience behind him, feels that 2012/13 has been an "extraordinary season".


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Syria Crisis: Obama Requests $500M to Train, Equip Rebels - NBC News
Syria Crisis: Obama Requests $500M to Train, Equip Rebels
By Andrea Mitchell, Courtney Kube and Daniel Arkin
President Obama is asking Congress to approve $500 million to train and equip moderate Syrian rebels struggling to oust President Bashar Assad after more than three years of civil war.
The opposition rebels would be vetted before being given assistance, according to a statement from National Security Council spokeswoman Caitlin Hayden. Hayden said the funds would "help defend the Syrian people, stabilize areas under opposition control, facilitate the provision of essential services, counter terrorist threats, and promote conditions for a negotiation settlement."
The request marks the first time the Obama administration would be overtly supplying weapons to the Syrian rebel forces in a program run by the Pentagon under the military budget, according to U.S. official. It has the advantage of enabling the U.S. government to send more sophisticated weapons, and allows it the ability to discuss the program publicly to allies and congressional critics.
But sources told NBC News the administration has been covertly arming the rebels for the last year through the CIA, providing opposition forces with less sophisticated weaponry in a program that had been advocated years earlier by both former General David Petraeus and former Secretary of State Hillary Clinton.


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7/22/2015 » 7/25/2015Knit & Crochet Show 2015 Attendee Registration
Celebrate any occasion with this color-ful shawl! The textured cotton/rayon yarn allows the shawl to drape perfectly around your shoulders. Choose dark dramatic colors for a dressy evening look or bright colors for a fun addition to any casual outfit. Finished Size: Approx. 78 inches by 28 inches long, excluding fringe
Pattern by B.J. Licko-Keel


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Coastal Bend society calendar: 09.16.12
CORPUS CHRISTI - Tuesday: Annual "Las Estrellas" Gala, Hispanic Women's Network of Texas, Corpus Christi Chapter, 6-9 p.m., Corpus Christi Town Club. Cost: $60. Tables and sponsorships available. Information: 688-0454 or 688-2995.
Thursday: HELP's second annual Putting With Your Politicians fundraiser, 6-9 p.m., Treasure Island Golf and Games. Cost: $30/ticket. Sponsorships available from $250 to $2,500. Information: 443-5895 or 815-6122.
Thursday: Distinguished Citizen Award Dinner honoring Karen and Larry Urban, 6:30-9:30 p.m., Lexington Museum on the Bay. Proceeds benefit the South Texas Council of the Boy Scouts of America. Cost: $150. Sponsorships available from $1,500 to $5,000. Information: 814-4300.
Thursday: The Council on Alcohol and Drug Abuse-Coastal Bend's fifth annual fundraiser dinner, 7 p.m., Art Museum of South Texas. Cost: $75/ticket. Sponsorships available. Information: 854-9199.
Sept. 26: State of the Port Luncheon, 11:30 a.m. to 1 p.m., Congressman Solomon P. Ortiz International Center. Port chairman Mike Carrell will be guest speaker. Cost: $65; $55/chamber members. Sponsorships available. Reservations/Information: 881-1800 or email@example.com
Sept. 29: Instituto de Cultura Hispanica's Gala Dinner/Dance, 6:30 p.m., Corpus Christi Country Club. Information: 361-779-5743.
Sept. 29: The 21st annual Change a Life benefit "OktoberFiesta" for Bokenkamp Children's Shelter and the Foster in Texas program, 3 p.m., Congressman Solomon P. Ortiz International Center, 402 Harbor Drive. Information: 994-1214 or LSSS.org/ChangeaLife.
Oct. 4: 9th annual Sea-A-Bration Kick-Off Party, 6:30 p.m., Big Tent — Rockport Festival Grounds. Cost: $75/individual; $125/couple; tables start at $1,000. The even kicks off the 38th annual Rockport Seafair. Information: 361-729-6445 or www.rockportseafair.com
Oct. 4: 2012 Classic Brew, 7-10 p.m., Corpus Christi Museum of Science and History. Proceeds benefit KEDT-TV. Cost: $50. Information: 855-2213 or www.kedt.org.
Oct. 4: Singer Songwriter Showcase, 6:30 p.m., Corpus Christi Country Club. Sponsorship levels start at $2,500. Cost: $75/ticket. Information: 361-694-6401.
Oct. 4: BRAVO! cocktail reception and bra silent auction, 5:30-8:30 p.m., Art Center of Corpus Christi. Information: 861-9506 or firstfridaycc.org.
Oct. 5: Nueces County Community Action Agency's 15th annual People Against Poverty Golf Tournament, North Shore Country Club, Portland. The event begins at 8 a.m. with a $10,000 hole-in-one putting contest. Cost: $10/putting contest; $90/player; $$360/team of four. Information: 361-654-7941.
Oct. 5: Driscoll Children's Golf Classic, noon, Corpus Christi Country Club. Sponsorship levels start at $2,500. Information: 361-694-6401.
Oct. 6: Second annual Calallen Education Foundation Casino Night, 6 to 11 p.m., Richard M. Borchard Regional Fairgrounds, Robstown. Dinner at 6:30 p.m. Cost: $40/ticket; $75/couple; $500/table. Information: Shelby DeReese, 361-244-0049.
Oct. 6: Corpus Christi Police Athletic League and Valero's Corpus Christi refinery host second annual Dove Hunt Fundraiser, 10 a.m. to 8 p.m., Lonesome Dove Ranch. Funds raised will benefit the league and its work with at-risk youths. Hunt features dove hunting, skeet and trap shooting, raffle, door prizes, food and drinks. Cost: $100. Sponsorships available. Information: 361-299-3595 or email@example.com.
Oct. 6: Book premiere party and signing for the Coastal Bend Wildlife Photo Contest's book, "Wildlife in Focus VI," the Tio and Janell Kleberg Wildlife Research Center on the Texas A&M University-Kingsville campus. Information: 881-9316.
Oct. 18: "Dinner and Dialogue with Bishop Wm. Michael Mulvey" featuring Elisabeth Von Trapp, 7 p.m., Congressman Solomon P. Ortiz International Center. Sponsorships available. Information: 442-2224, ext. 24, or firstname.lastname@example.com.
Oct. 20: "Designs for a Cure," 6 p.m., Texas A&M University-Kingsville ballroom. Monetary and auction donations accepted. Proceeds benefit University of Texas M.D. Anderson Cancer Center in Houston. Information: Sylvia Woelfel at 361-592-0297 or firstname.lastname@example.com.
Oct. 20: Fall gala, Art Museum of South Texas, 1902 N. Shoreline Blvd. Tables and sponsorships available. Information: 825-3500.
Oct. 26: Moonlight in the Gardens, South Texas Botanical Gardens & Nature Center premier fundraiser honoring Rich Tuttle; 5:30 p.m., stellar spirits, appetizers, musical entertainment, Starlight Silent Auction, steak dinner and dancing. Table sponsorships and underwriting opportunities from $750. Tickets: $85/$100. Information: 852-2100
Oct. 27: Instituto de Cultura Hispanica's El Corazon del Bolero, Texas A&M University-Corpus Christi's Performing Arts Center. Information: 319-2361.
Nov. 7: March of Dimes' 11th annual Signature Chefs Auction, 6 p.m., Omni Corpus Christi Hotel, Bayfront Tower Information: 855-4215.
Nov. 10: 2nd Annual Holiday Gala, Sembradores de Amistad of Corpus Christi, Texas, Inc.; Congressman Solomon P. Ortiz International Center. Dinner, dancing, and silent auction benefiting Texas A&M University-Corpus Christi and Del Mar scholarships. Table and sponsorships available. Information: 361-853-7944.
Nov. 14: Westside Business Association annual banquet, Congressman Solomon P. International Center. Guest speaker is Wallace Amos Jr., founder of the Famous Amos cookie brand. Cost: $60. Sponsorships available. Information: Deborah Garza, 881-8105.
Jan. 11, 2013: "Spirit Center Celebrity Dinner," 6 p.m., Congressman Solomon P. International Center. Entertainment provided by Five Card Draw and more than 50 community celebrity waiters. Dinner, dancing, auctions, raffle, photo booth and awards. Sponsorship levels start at $1,000. Cost: $125/ticket or $200/two tickets. Information: 361-888-7537.
Feb. 8, 2013: Fiesta de los Niños, 6:30 p.m., American Bank Center. Sponsorship levels start at $1,800. Cost: $200/ticket. Information: 361-694-6401.
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|Monday April 14, 2003
Last Updated: 3:01AM
AFL ROUND 3 | Full coverage here
Rohde way: no passengers
Peter Rohde had a blunt message for his Western Bulldogs players after their 32-point loss to Melbourne - change your ways, or prepare for a significant amount of VFL game time. more
OTHER SPORT | Full coverage here
COMEDY FESTIVAL | Full coverage here
From improbable to insane
Do you have a burning passion to know the size of the world's biggest twins or largest cyst? Meet the people holding the tape measure for the Guinness Book of Records. more
OTHER ENTERTAINMENT | Full coverage here
Telstra on brink of Reach debt deal
The SARS virus is not expected to stop Telstra from finalising an agreement with banks this week over the $US1.5 billion ($A2.5 billion) debt restructure at its troubled Hong Kong venture, Reach. more
OTHER BUSINESS | Full coverage here
Screen gems
LCD flat-screen monitors take up less desk space, are flicker-free and, best of all, they're cheaper than ever. Full report
OTHER TECHNOLOGY | Full coverage here
NICA - circus on edge
The first students to be graduating with a degree in circus arts are performing at Federation Square in a space that is equally as dramatic as the acts they perform.
Police may charge 'murdered' girl
El Nino? Science takes a raincheck
Billion-dollar transport headache
Lara relives past heroics with 110
My Melbourne
Odd Spot
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text:
Lunan Bay, Scotland
This magnificent two-mile strand on the unheralded Angus coastline is backed by dunes and overlooked by Red Castle, a crumbling 12th-century fortress. Its pink sandstone hues match the colour of the low red cliffs and curious rock formations on the beach below. This is a great place for birdwatching, and is popular with surfers and riders. Some swear the sands have a rosy tint; certainly the shore glitters after a storm, when semiprecious stones such as agate and jasper can be found. Take care when swimming as there are strong currents.
Stay at Ethie Castle (01241 830434; www.ethiecastle.com), on the coast near Lunan Bay, a14th-century sandstone fortress that is one of Scotland's oldest inhabited castles – and one of its most atmospheric b&bs.
Eat at Gordon's Restaurant in nearby Inverkeilor (01241 830364; www.gordonsrestaurant.co.uk), a place for serious foodies. There are no facilities on the beach, so bring a picnic.


text:
The Acorn Gift and Floral Shop's online store is currently closed.
The online store opens Sunday at noon and remains open until Friday at noon (EST.)
Deliveries are made within the hospital during the hours of 10 a.m. to 3 p.m Monday through Friday. Fresh floral arrangements are not allowed in Intensive Care Unit. For further information, please contact the Gift Shop at 810-606-6293 during normal business hours, Monday through Friday 9:30 a.m.to 8 p.m., Saturday 11 a.m. to 5 p.m. and Sunday noon to 5 p.m.
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text: Who doesn't wuv a wittle panda bear? They'll be in love with this one when you wear this Panda Bear Baby Adult Women's Costume. Transform this exotic animal into exotic sex appeal wearing this fur lined soft babydoll dress with attached face hood, paw gloves and furry lace-up boot covers.


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is there any easy loop procedure for getting the categories and links?
I need to show categories and links in special format, e.g.

category name

and this afaik cannot be done by standard category/link lists.
So i need to run for each function for all categories (or links) in database, with some conditions. I can do it with standard php, but i wonder that there may be some standardised way


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1858-S 25C XF45 NGC. Variety 1-A....
2011 January Tampa FUN Signature & Platinum Night US Coin Auction #1151
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|Jan 5, 2011
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Tampa Convention Center
333 S. Franklin St.
Tampa, FL 33602
|Printable auction results for all items in the 2011 January Tampa FUN Signature & Platinum Night US Coin Auction.
1858-S Quarter, XF451858-S 25C XF45 NGC. Variety 1-A. The mintage of 121,000 pieces indicates the 1858-S quarter should have a much greater availability than it does. Only one Uncirculated coin has been certified by both services. The usually seen example is well-worn, usually Fine or less. As such, this is one of the better examples available. The devices show even wear over the high points and the light gray surfaces display a tinge of golden toning, especially around the margins. The only mark of any note is a short one on the lower reverse just above the period between QUAR. and DOL. Census: 1 in 45, 5 finer (11/10).
An Absolute and Condition Rarity
An Absolute and Condition Rarity
From The Dr. Raymond Biggs Collection.(Registry values: P8) (NGC ID# 23TK, PCGS# 5447)
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Farkles, farkles, farkles
View Single Post
Joined: Apr 2011
Location: Pittsburgh
Oddometer: 2,599
i only farkle for utilitarian purposes--mostly armor. skid plates, radiator guards, lights that are less likely to be broken, etc.
if i happen to find a good deal on a used whatever, i will go that route, but i don't spend much time on it. that stuff all gets put on a bike as soon as i buy it, and i won't really ride without it (because i don't want to have to buy new radiators, etc.), so i generally want the stuff right now.
i can understand why people like to farkle just for the sake of farkling, though. makes it more "your own", it's just fun waiting for shiny new stuff to arrive and opening the package, etc. i was actually kinda happy when i broke the orange front fender on my KTM. gave me an excuse to buy a black one, which i just like better for the looks and because it is "different" from the rest of the sea of orange even though it provides no additional utility.
i can also understand why some people might find a farkle to be useful that i would not (different seats come to mind...seems to be the first thing a lot of people switch, but i personally have never had a problem with a stock seat).
View Public Profile
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You get an Inbox! You get an Inbox! You get an Inbox! We released a major update to the Hedge Connection website today. We have added Inboxes to everyone's account and opened the lines of communication with private messaging enabled for all members.... Read more »
Posts Tagged: New Feature
Add to Calendar: Capital Club Enhancement Jan30
Your phone call is the most important function of the Capital Club, so let's not forget to mark it on your calendar. For both parties, Managers and Allocators, we have added a feature to support automatically adding the arranged call to your personal calendar.... Read more »
Managers: Connect Your Boardroom Profile to Your Fund Database Listing Nov21
For the past few months we have opened up the Boardroom to fund managers. As we enter the next era of Hedge Connection, where the focus is on making connections and integrating all means of social onto our foundation of hedge fund information and events, we invite any qualified person to be part of the... Read more »
Boardroom 2.0 Rolls Out Massive New Features Oct22
Today we are excited to announce new features in the Boardroom on Hedge Connection. If you haven't been to the site in a while, come back and check out the social elements that we have added to our Morningstar powered fund database. Hedge Connection is the only website where members can Follow funds, Follow other... Read more »
Announcing Hedge Connection's New Social Database Jan17
We are pleased to announce the release of Hedge Connection's latest features . We have propelled the traditional hedge fund database into the modern world. Investors can now use the familiar social tools (as found on Twitter, LinkedIn etc) to gain a deeper, more powerful insight into our Morningstar database of thousands of funds. At... Read more »


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BBQ Spice comes in all forms of BBQ Rubs, Grilling Seasonings, smoking wood and gourmet salts. BBQ Pro Shop carries competition rubs in various flavors from extra spicy Barbecue rubs to the mild classic or competition style. We believe that BBQ rubs are just the beginning in terms of finding the perfect flavor profile. BBQ Pro Shop also carries Baxter Smoking Woods, Grill Friends Smoking Woods and various ways to spice up your food. We also carry an extensive line of special gourmet sea salts from Coastal Goods.
Turkey Time Turkey & Poultry SeasoningThis blend of spices brings your Turkey or Poultry an aroma and flavor that will make your meals a memorable event. You can kiss your mother's musty box of poultry seasoning goodbye and treat your turkey to Coastal Goods Turkey Time Turkey and Poultry Seasoning. Learn More
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Sarah's Sea Salt Tuscan SaltSarah's Sea Salt Tuscan salt is a medium grain Mediterranean Sea Salt blended with a classic mix of dried Italian herbs, tomato flecks, lemon peel, and rosemary oil Learn More
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Salt Sensations Garlic SaltSalt Sensations Garlic Salt is a sea salt and garlic mix perfectly balanced to offer a flavor that makes you never want to go back to the commercial stuff. If you are serious about your rubs, get serious about season salt. Learn More
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Plump Chef Wild Bird Shake(4.8 oz)Plump Chef Wild Bird Shake is a special blend used to tame your wild bird into a gourmet masterpiece. Learn More
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Availability: Out of stockPlump Chef Original Shake is a unique combination of zesty spices with kosher salt, designed specifically for grilling. Learn More
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Availability: Out of stockPlump Chef Diablo Shake takes cajun spice to a new level. Don't compromise great flavor for your grilling masterpiece, shake it up with some Plump Chef Diablo Shake. Learn More


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Bad Wizard
Monday November 18
Dig a Pony
736 SE Grand Ave.
736 SE Grand Ave.
Where: Dig a Pony
Address: 736 SE Grand Ave.
Habitat is a giant video mandala conjured for your contemplation and iteration, directed by Kello Goeller.
Upfor presents recent works by three artists who adapt unorthodox mediums to challenge the traditions of landscape and artistic depiction of nature. Mixed media works by Gregory Euclide, Alex Lukas ...


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Teen accused of DUI, felony hit-and-run in Ventura
A teenager was arrested Wednesday in Ventura after a crash that caused serious injuries, officials said.
Officers responded about 2 a.m. to reports of a vehicle that hit a pole near Ferro Drive and Cedar Street, Ventura police said. Officers found a female teenager inside the vehicle with severe trauma to her back and abdomen. She was taken to Ventura County Medical Center.
Police also found two people walking nearby on Ventura Avenue, including one with a head injury, officials said. Officers determined that one of the pedestrians was the driver in the crash and the other was a passenger.
Spencer Ereshan, 18, of Oak View, was arrested and booked into Ventura County jail on suspicion of felony hit- and-run with injuries and driving under the influence resulting in injury, police said.
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Other record features
The E-30 has an unusual array of in-camera effects and creative features, many of which we've covered elsewhere.
|The E-30 has perhaps the most comprehensive set of aspect ratio controls on any digital SLR. You don't need to use Live View to access them, but doing so makes framing a lot easier. The frame is saved as an (optional) crop for use with raw files too.
|We've covered the Art Filters in a little more depth elsewhere. Turning the mode dial to the ART/SCN brings up this menu of six options (you can also access the more conventional Scene modes from here). Although you do get a preview of the effect on the live view screen you can't flip between the options without going back to this menu, which is a pity.
|A bit of a novelty, but one that can be a life saver in some situations, is the digital level gauge, which shows the amount of tilt in two axis on the live view screen when activated. You also get an indication in the viewfinder (when not using live view) of the left/right tilt.
|The last novelty is a fairly sophisticated multiple exposure features, which allow you to combine up to four exposures into a single frame, with options for automatic gain control (to stop the final result ending up overexposed) and overlays (to combine an exposure with a previously saved image). It's clever, but, honestly, why would you do this in-camera when it takes seconds to get the same result - with infinitely more control - using even the simplest image editing application?
Gear in this story


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Jack William Robbins
Position: TB
Height: 6-2 Weight: 183 lbs.
Born: January 23, 1916 in Little Rock, AR
High School: Little Rock Central
College: Arkansas (school history)
Drafted by the Chicago Cardinals in the 1st round (5th overall) of the 1938 NFL Draft.
Weighted Career AV (100-95-...): 0 (14747th overall since 1950)
Promote your website or business by sponsoring this page for $5 on Pro-Football-Reference.com. Your message will replace this ad.
The research for this page was done by Scott Kacsmar.
Read his extensive three-part article (Part I - Part II -
Part III) for full details.
View complete leaderboards for game-winning drives and comebacks.


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"It's not going to be the worst situation imaginable, far from it," Cole said, noting that she'll be separated from other inmates for her own protection. "It's just going to be boring basically."
At least Lohan will be cooped up with someone she knows -- sort of. The Los Angeles Times reported today that one of Lohan's inmates at the Lynwood jail is 19-year-old Alexis Neiers, whose "bling ring" of accused burglars targeted celebrity residences, including Lohan's Hollywood Hills home.
Neiers is currently serving a 180-day sentence for felony first-degree residential burglary of actor Orlando Bloom's home.
Of course, because Whitmore noted that Lohan "will be kept away from [the] general population" of the jail, they may not meet at all.
Lohan's surrender came two weeks after her tearful sentencing hearing, in which she sobbed as Judge Revel handed down her sentence.
Ten minutes late, clad in sunglasses that couldn't hide a steely glare, Lohan marched past a throng of photographers and glitter-throwing fans Tuesday for a preprison court hearing.
She sat through a brief courtroom discussion before Revel ordered that all cameras be shut off for Lohan's handcuffing. The actress stood, placed her hands behind her back, and let two deputies cuff her and lead her out of the courtroom without making a scene.
Not so for her estranged father. Michael Lohan shouted, "We love you, Lindsay," as she was escorted out. Lohan's mother, Dina, and younger sister, Ali, also watched as she was taken into custody.
From the courtroom, Lohan went to a courthouse holding facility before shipping off to the Lynwood facility. Before leaving the courthouse, she swapped out her jeans, sleeveless top, cropped jacket and corset belt for her new, albeit temporary, wardrobe: an orange jail jumpsuit.
Shawn Chapman Holley, who resigned as Lohan's lawyer after her July 6 sentencing, represented the actress at the hearing. She addressed reporters afterwards, saying that she stepped back into the Lohan case when the actress decided she did not want famed O.J. Simpson attorney Robert Shapiro to represent her.
"She's stepped up, she's accepted responsibility," Holley said about Lohan. "She's scared as anyone would be, but she's as resolute and she's doing it."
ABC News Radio's David Alpert contributed to this report.


text:
Originally written on The Other Paper | Last updated 1/28/13
The nation's first female combat pilot defended the Pentagon's decision to allow women on the front lines of war Sunday, by dismissing an argument that the genders shouldn't be thrown together into the same battle environment. "So that's like saying Pee-wee Herman is OK to be in combat but Serena and Venus Williams are not going to meet the standard," Air Force Col. Martha McSally said on "Fox News Sunday." McSally used the celebrity Who'd You Rather to argue her point with Army Lt. Gen. Jerry Boykin, who called the decision a social experiment. "As a man who has been there, and a man who has some experience in these kinds of units, I certainly don't want to be in an environment with a female because it's degrading and humiliating enough to do your personal hygiene and other normal functions among your teammates," said Boykin. McSally — who once beat men in an Ironman competition — said putting the best qualified unit on the field should be goal number one. ""If we want the most effective fighting force, we need to pick the most qualified capable man for the job, even if it's a woman." Point well played, Colonel.
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Ongoing Heinz Coupon
Heinz is a name families have known not only for their vinegar but their ketchup as well. With the latest Heinz coupon offers, you can save on their products through 2015 when you buy them at a store near you.
Not only does Heinz Vinegar come in the standard Distilled Vinegar and Apple Cider Vinegar, there are also other varieties as well. Save when you try their Salad Vinegar, Red Wine Vinegar, Malt Vinegar, Balsamic Vinegar, Tarragon Vinegar, and Garlic Wine Vinegar too!
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English + Associates Architects is a full-service architectural and interior design firm specializing in high-performance, green-design solutions. We are a company of professionals driven to exceed the expectations of our clients, believe optimal design solutions evolve from fully understanding what drives success in our Clients' organizations, and are committed to being good stewards of the environment and furthering the advancement of the design profession.
"The [Meador Library] is an architectural delight perfectly blending disparate design elements of stone and wood with modern steel, airy sails, and whimsical cloud-like sound baffles. It offers the sense of Seabrook on the inside and an expanse of windows that make you feel like you are outdoors on a perfect day." | read more


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Caterpillar Brode Hi Soft ToeSKU: #8101147
Product Information
- The Caterpillar® Brode Hi Soft Toe shoe is for the guy who needs a work shoe but wants some style with it.
- Uppers made of nubuck leather.
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- Slip-resistant T1080 rubber outsole for superior traction.
- Measurements:
- Weight: 1 lb 6 oz
- Shaft: 5 in
- Product measurements were taken using size 11, width D - Medium. Please note that measurements may vary by size.


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Illegal slot machines threaten Puerto Rico casinos
"Sometimes they send buses to retirement homes and take them to these casinos," he said. "This is a challenge for us."
He said the tourism company signed an agreement in May with other local agencies to crack down on illegal machines but actually putting the plan into action has been difficult. Marin said he wishes the island's prosecutors would take the problem more seriously though acknowledging that their priority at the moment is criminal cases and fighting the wave of homicides.
The parlors often can be found in easily accessible areas, which makes them popular, said Eric Rodriguez, who manages two large casinos in eastern Puerto Rico for Sheraton and Wyndham Garden. Legal casinos have also been issuing lower payouts to increase revenue, according to a government study, which may be pushing some gamblers away.
In March, the Gran Melia Golf Resort closed a casino it opened in 2003 and laid off 57 employees. Officials have declined to say why.
In mid-July, El Conquistador resort announced that it, too, was closing its casino and laying off 56 employees. Marketing director Lydia Feliciano said it was a financial decision but declined to provide specifics. The casino has been operating since 1993.
"The industry is not as solid as they like to pretend it is," Vega said. "We've never seen the closure of two casinos in one year."
Meanwhile, Ervin Rodriguez, president of the popular Camarero Racetrack near San Juan, which operates 2,500 gambling machines, blamed illegal machines for a $58 million loss in the past four years.
Other Caribbean islands have struggled with illegal gambling machines, but to a lesser degree than in Puerto Rico, said Richard Khan, spokesman for the Caribbean Hotel & Tourism Association.
Only about 12 of 36 Caribbean nations have casinos, but they attract mostly tourists, he said. Illegal betting parlors tend to draw local residents.
In Puerto Rico, however, 90 percent of casino clients are locals, not tourists, according to Vega and Rodriguez.
Derek Peart, executive director of the Betting, Gaming and Lotteries Commission, said his department seizes about 500 illegal machines a year, but that a huge black market that produces the machines locally makes it hard to eradicate them.
In Puerto Rico, the majority of illegal machines are assembled on the island after the parts are smuggled in, and many worry they are being used to launder money, Vega said.
Legal casinos invest nearly $16,000 every time they buy a slot machine and obtain permits, Rodriguez said. Meanwhile, illegal machines cost about $2,500 each. Owners who operate those machines keep 60 percent of the profit while the establishments hold onto 40 percent, he said.
The difference in payouts was why Pedro Rodriguez said he plays the illegal machines at his no-name neighborhood bar, where he has won the maximum jackpot of $2,000 a couple times in recent years. He was trying his luck recently at the Alice in Wonderland-themed machine there, and feeding it more money for another go.
"As long as they keep giving me prizes, I'm happy," he said.
The Associated Press


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Jadakiss turns out the lights in his new video with crooner Emanny. Money doesn't buy happiness, but it's one helluva down payment. Off the Consignment mixtape which you can download here.
Tag: emanny
You know what they say, the best sex is make up sex. So behind closed doors, Emanny and Joey makes amends with their significant others the right way. Off Emmany's mixtape, Songs About Her.
Collaborative duo, Joe Budden and Emanny are back and get raw for their latest record. Hopefully this means their joint project is right around the corner. So much for no glove, no love.
For their recent duet, R&B singer Emanny and Jadakiss round up more than enough young tenderonis for their accompanying video. Glad they are all at least of age though. so raspy
This is just what we needed. Joe Budden and Emanny tag team it up once again for their brand new slow jam for all you lovie dovies. Happy lover's day!
Consisting of Joe Budden and Emanny, the duo are back and slow things down with their new recording. This may be the craziest group name of all time.
Hate it or love it, Mouse Budden grabs his go-to producer The Klasix and hook-guy Emanny for another love tale. Nothing wrong with a lil thug passion.


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Official Radeon HD 6990 reviews
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Join Date: Nov 2005
Location: Toronto-CAN, Hamburg-DE, Prague-CZ
Posts: 1,893
Re: Official Radeon HD 6990 reviews
Originally Posted by
Johnny C
Someone should ask him if he likes the cooler...
I was thinking the guy never stops. Plus nothing to compare to in that lousy review.
Is the cooler noisy, sure it is but the open test bench just makes it even more noisy. I don't think AMD could have got better air cooler on such powerful card and keep it 2 slots at the same time.
I don't think there is any problem with the heat at least not compared to other powerful set ups. The load temps are just about the same as GTX 570 SLI, GTX 580 SLI and much lower than GTX 480 and HD 4870x2.
If that genius reviewer wanted to cook something on the card he should have used at least GTX 480.
Here ONLY the OC HD 6990 is much more noisy than GTX 580 SLI. Both picture are from
HD 6990 reviews
Based on the above I don't think the rumored GTX 590 is going to run cooler or more quiet provided it's going to be as powerful as the HD 6990 and and use just 2 slots.
Stop The Meter On Your Internet Use
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DNA from the 40,000-year-old bones of a modern human found in Europe contains Neanderthal genes.
The Little Cell That Could
July 1, 2012|
Critics point out that cell therapy has yet to top existing treatments. Biotech companies are setting out to change that—and prove that the technology can revolutionize medicine.


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Breakdown of Tampa Bay Buccaneers at Chicago Bears
Posted in News and Rumors on September 20, 2008 at 11:09 pm by
Bears offense vs. Buccaneers defense We've seen this script before. The Bears enter a game against a physical opponent who likes to run the football and try to stop the run. To counter it, the […] Read the full article »


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34 year old woman | Crown Point, CA, USA | Seeking men 29-40 within 30 miles
If you like pina coladas and getting caught in the rain...
Hi there! I'm an LA native, born and raised in the Pasadena area (La Canada to be exact). I moved down to San Diego for college and never looked back! I have an amazing group of friends and a wonderful family who mean the world to me. When I'm not working, I spend my time traveling, going to concerts, playing kickball, riding my beach cruiser, reading, hiking, and creating great memories with my friends. I pretty much like every type of music and love going to live shows...my iTunes jumps from country to rap to classic rock and on. I'm adventurous, fun loving, friendly, easy going, independent, loyal, and pretty sarcastic. In a nutshell, I enjoy going out, having fun, and seeking new adventures, but I also like to stay in, be mellow, and enjoy the simple pleasures in life. The most important quality that I am looking for in another person is AWESOMENESS! ;) But honestly, I love to laugh and would like to find someone with a great personality, that can find humor in any situation, but is also kind, respectful, and passionate. I'm looking for someone that I can have fun with, become friends with, and possibly connect with on another level. Hope to talk to ya soon!
Alumni connections , Camping , Coffee and conversation , Business networking , Cooking , Dining out , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Nightclubs/Dancing , Performing arts , Playing sports , Travel/Sightseeing , Volunteering , Watching sports , Wine tasting
Aerobics, Bowling, Dancing, Other types of exercise, Running, Skiing, Swimming, Tennis / Racquet sports, VolleyBall, Walking / Hiking
I exercise 3-4 times per week.
I like Dogs
I don't get along with birds.
Middle of the Road
Cali Kebab, Fish Shop, Cucina, El Camino, Bubs, Bo Beau, Bankers, Cass St Last minute road trips to the mountains, the river, and the desert. Some of my favorite destinations are Hawaii, Cabo, Chicago, Austin, Mammoth, Key West, Havasu,La Quinta,SF
San Diego State University, San Diego, CA
Chargers, Lakers, Padres, kickball, beach volleyball Greek, Italian, Mexican, Steak, I don't discriminate GnR, ZBB, Avett Bros, Alabama Shakes, Muse, Duck Dynasty, SOA, Dexter, Always Sunny, Almost Famous, Dazed and Confused, Anchorman
I love to try out new restaurants, go to concerts, travel, cook, go to/watch sporting events, drink wine, play kickball, entertain...eat, drink, and be merry!
Fifty Shades, Scar Tissue, Girl with the Dragon Tattoo series, Us Magazine
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What she is looking for
|5'5" (165cms)
|5'8" (172cms) to 6'6" (198cms)
|Body type:
|About average
|No preference
|No preference
|No preference
|No Way
|No Way, Occasionally
|Social Drinker
|Social Drinker, Regularly, Moderately
|Other profession
|No preference
Project Manager at Skinit
|I'll tell you later
|$35,001 to $50,000, $50,001 to $75,000, $75,001 to $100,000, $100,001 to $150,000, $150,001+
|Never Married
|Never Married, Divorced
|Have kids:
|Wants kids:
|Definitely, Someday, Not sure
|White / Caucasian
|Latino / Hispanic, White / Caucasian
Irish/Italian...I have freckles.
|Christian / Catholic
|Agnostic, Christian / Catholic, Christian / Protestant, Spiritual but not religious, Christian / Other
I was raised Catholic, but pretty much only attend church on the necessary holidays...and for the 1,257 weddings I've been to in the last few years.
|No preference
|Bachelors degree
|Some college, Associates degree, Bachelors degree, Graduate degree, PhD / Post Doctoral
SDSU...Go Aztecs!


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Bernard Hopkins on Sway in the Morning; Wants to Pay Homage to Biggie in BK (Video)
Last edited by RL_GMA; 01-16-2013 at 03:19 PM.
Wild Apache
Excellent interview. B-Hop is the only fighter that has a legitimate claim to ending careers, real talk. Greatest active fighter!!
He's right in when he talks about fighters fighting the best. If Floyd & Pacman wanted to fight each other, they would have fought. Instead we got 2 fan bases making excuses about why their guy is right, when both were wrong & ducked each other.
Anyway, B-Hop is my dude. I wish him luck vs Cloud, but I won't be shocked if he loses. B-Hop is an oldschool Philly fighter in this watered down excuse for boxing day & age. War B-Hop!!!
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Our Petco Adjustable Black & Pink Skull Print Dog Collar features mini pink skull and cross bone print. Collar is constructed from single ply fray resistant nylon. Collar is adjustable for a custom fit on your dog, or room to grow for your puppy. Collar has a built in metal slide for easy adjustment on squirmy pets. Metal D-ring for attaching leash and identification tags.
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Oscar ratings down locally
The 2013 Oscar telecast on ABC affiliate WISN-TV (Channel 12) earned a 25 rating among total households, down slightly from last year's 27 rating.
The ratings for the show, which officially lasted 3 hours and 37 minutes, peaked at 7:45 p.m. with a 28.2 rating but were otherwise remarkably steady through Ben Affleck picking up the best picture Oscar for "Argo." »Read Full Blog Post
Bar owners scramble to keep up with fake ID technology
The arms race between bar owners and college students with increasingly sophisticated fake IDs is heating up.
Students today can spend $100 to $150 on fake identification through a number of websites that claim superior quality down to the holograms and bar codes. There's an underground review that rates the quality of fake IDs from different sites. Students can even watch YouTube videos on how to make IDs showing they're 21, the legal drinking age. »Read Full Article(30)
The Dirty Heads' Jared Watson talks about Landing Their Big Gig
Jared Watson, left, of hip-hop-flavored reggae band the Dirty Heads, performing in the Tap Milwaukee studios last month. Watson talked to Tap about landing his first big at the famed Roxy in Los Angeles. Photo by Bill Schulz. »Read Full Blog Post


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Showrunner Rules from Jeffrey Lieber: Numbers 231-240March 3rd, 2015 by Scott
Jeff Lieber is a screenwriter and TV writer. His movie credits include Tuck Everlasting and he is currently an executive producer of the CBS series "NCIS: New Orleans". On Twitter (@JeffLieber), he has run a series of tweets called Showrunner Rules. For background on Jeff and this Twitter series, go here.
Today: Numbers 231-240:
Showrunner Rule #231: Episode success more bout 1/2hour retention then overall #. Series must get aud to show, writer/director gotta keep's.
Showrunner Rule 232: In network environ, hafta think bout season 2 DURING season 1. That or resign yourself to hiatus that's 38 hours long.
Showrunner Rule #233: Every meeting to discuss promotion robs time from writing show to promote. But no promo, no show-mo. So go, yo?
Showrunner Rule #234: When you have 3 clues to get you to the same plot move, cut 2. TV is the most efficient art form since the haiku.
Showrunner Rule #235: Never forget that nothing really matters until the close up. Scenes that SUX in the wide, can sing in coverage.
Showrunner Rule #236: A staff is essentially a tribe. Choose well and survive the barren winter. Choose badly and starve before the thaw.
Showrunner Rule #237 (1of2) Page 42 is darkest moment in drama script. You're miles away from "layup" cold open scenes and…
Showrunner Rule #237 (2of2) …plot which you and room never REALLY figured out, has just come home roost. #LuvTheGuyOnPage42
Showrunner Rule #238: Best feeling in the wide world, filling that plot hole on page 42 with something you discover on page 51. #TheGuyOnPage51
Showrunner Rule #239: Lead character is defined by X, which is why she does A, B, and C differently than any other character on television.
Showrunner Rule #239 Addendum: Please return to rule #226 as all iconic television is defined by that rule and that rule alone.
Showrunner Rule #240 (1of2): Demand staff ASK FOR HELP. Nothing worse than "me do" writer who insists on writing every word…
Showrunner Rule #240 (2of2): …then turns in shatty draft a day late. Job as producer is to PRODUCE & that may mean assists from others.
Here is Jeff's bio:
One day in 1986, after blowing up a glass beaker in a lab in high school, Jeffrey Lieber's science teacher, Dr. Nagoi, turned to him and said, "Jeffrey… you be an actor… you be a writer… maybe have a family… but please, dear God, don't be a chemist." And it was those words that launched a journey that has ended up with Mr. Lieber becoming a screenwriter, showrunner, blogger, father and husband (Credits? Go here). Every day, while pursuing his passions, Mr. Lieber takes a moment to stop and thank Dr. Nagoi for his sage advice.
You can follow Jeff on Twitter (@JeffLieber).
For all of the Showrunner Rules, go here.


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Gateway Community College awarded 903 degrees and certificates to the Class of 2015 at the 23rd Commencement at 6:00 p.m. on Thursday, May 21 in Woolsey Hall.
Arnaldo is the second member of his immediate family to graduate from Gateway and was inspired to attend GCC when his father graduated with honors in 2010.
New to Gateway Community College? Planning ahead is your best bet for a successful semester! Be ready to go on August 31 when classes begin!
Now you can get your Associate degree in MOBILE APP DEVELOPMENT or DATA SECURITY SPECIALIST. Become a specialist in a high-demand field with unlimited growth potential!
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Get Gateway College Credit for What you Know!
A message from Dorsey L. Kendrick, Gateway President:
President Kendrick and members of the GCC community wish to express their deepest condolences to the Moore family as they mourn the loss of two of their precious children. Our thoughts and prayers are with them all during this painful and challenging time.


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Double delight for Chaddesley hotel
A WYRE Forest hotel has been announced as the winner in two categories of the 2014 Visit Worcestershire Awards for Excellence.
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A WYRE Forest hotel has been announced as the winner in two categories of the 2014 Visit Worcestershire Awards for Excellence.
BROCKENCOTE Hall Hotel at Chaddesley Corbett has won another award to add to others it has won over the years.
At the May 20 meeting, members discussed the national AGM resolution 'SOS for bees'. The voting was unanimous for this resolution.
On March 26, Brockencote hosted the Kidderminster group meeting. At the AGM on April 15, President Roni Pardoe read secretary Kay Palmer's report and Val Wood gave the treasurer's report. Roni was returned for another year and the committee was re-elected en bloc, except for Chris Jordan who had decided not to stand for re-election this year. Anita Boston gave a display of decorated eggs.
At the February 18 meeting, Julie Tonkin gave a talk and demonstration on canal art.
TWO Wyre Forest businesses have been announced as finalists in the 2014 Visit Worcestershire Awards for Excellence.
TOURISM business in Wyre Forest and its surrounding area have been recognised after making it through to the prestigious Heart of England Excellence in Tourism Awards.
On June 17, members visited Whitlenge Nursery and Gardens for a tour of the gardens and cakes and tea in the tearoom.
BROCKENCOTE Hall Hotel, at Chaddesley Corbett, has welcomed a new head chef.
TIME is running out for nominations for 2009 Calor Worcestershire Village of the Year which have to be submitted by May 7.
HARRIERS kicked off their pre-season programme with a 2-0 win over Romulus.


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Narrow your search
Available for Android, iOS and Fire OS, the free TenMarks Summer Math program normally costs $40.
Technically Incorrect: If you think that 15 plus 6 is 17, you are not worthy of this bride in Uttar Pradesh, India.
Finally, people born in 1980 have something amazing over those young'ins who came into the world in the year 2000 or on a Leap Day.
Technically Incorrect: Driving cars fast is driven by data. So America's foremost racing organization decides it must step forward to teach kids math and science.
Technically Incorrect: In a Facebook Q&A, Mark Zuckerberg's intellect is tested by one of the world's great minds.
With PhotoMath, you can use your phone to scan an equation and immediately receive the answer.
Amazon has a bevy of discounts wrapped up in its launch of the Fire TV Stick, the e-tailer's answer to Google Chromecast -- but some of the deals aren't all that they appear.
Grown-ups attempt and fail to remember how to solve math problems from their childhood. Can you find the common denominators?
Get weekly tips on how to incorporate math into your daily life using catchy tunes, puppets, and surprising celebrity cameos thanks to actress Danica McKellar's new show on the Nerdist Channel.
Think your beloved superhero is as hunky as Chris Evans? The real Cap' is more likely to be overweight and behind in school.


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32 year old woman | Washington, DC, USA | Seeking men 30-37 within 10 miles
These aren't spirit fingers. THEEEESE are spirit fingers!!!
New to the DMV by way of Boston and am looking to experience all the area has to offer. Recommendations on any and everything is much appreciated! I'm looking for someone who is kind, outgoing, has a good/sarcastic sense of humor, and can make me laugh. I could list all the different qualities I'm looking for, but ultimately it boils down to chemistry...which can't be described. I really don't like filling out these kinds of profiles, so here are some random facts about me: I prefer to drink water out of a plastic cup. For some reason the water tastes better. Magic maybe? My iTunes music list is schizophrenic. I like good music, no matter the genre. Some people see the big picture. I'm very detail oriented and structured. But some of my best days are unplanned, unexpected and when I'm just going with the flow. One of my guilty pleasures is watching Murray and Springer. Please don't judge me! Orange juice tastes better with champagne. I've never finished a entire tube of chapstick. I probably have 6 tubes hiding in various coat pockets and purses right now. I don't eat a lot of fast food, but I have a weakness for McDonald's fries with sweet 'n sour sauce. I think it's the combination of salt and crack sprinkled on the fries. I plan to own a miniature pot belly pig one day...not for eating!! Surprisingly they're very social, trainable creatures. I drive a 6-speed stick-shift. My first language was German, although it's very rusty now. I sometimes say inappropriate things. But is it inappropriate when it's true??
Alumni connections , Cooking , Dining out , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Performing arts , Travel/Sightseeing , Volunteering , Wine tasting
Aerobics, Other types of exercise, Walking / Hiking
I exercise 1-2 times per week.
I like Dogs
My baby (toy poodle) is now living the good life with my grandparents in Florida.
Very Liberal
Boston Hotspots: Dali (tapas), Atlantic Fish (seafood), Ma Soba (sushi), Basta Pasta and Giacamo's (Italian), Parish Cafe...I like to eat!! DMV Hotspots pending! Humarock, Montreal, Vegas, San Fran, NYC, Punta Cana
traveling to visit family/friends, weekend getaways, dining out, going to my local movie theater, volunteering, boozy brunches, snuggling up on the couch to enjoy a netflix movie or a TV series marathon, hanging out with good company.
Hunger Games Series, Lies that Chelsea Handler Told Me, Knowing Your Value by Mika Brzezinski. I think my next reads will be Life of Pi and God Believes in Love: Straight Talk About Gay Marriage.
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What she is looking for
|5'4" (162cms)
|5'7" (170cms) to 6'3" (190cms)
|Body type:
|About average
|About average, Athletic and toned, Stocky
|No preference
|Dark brown
|No preference
|No Way
|No Way, Cigar aficionado
|Social Drinker, Regularly, Moderately
|Political / Govt / Civil Service / Military
|No preference
|$75,001 to $100,000
|$50,001 to $75,000, $75,001 to $100,000, $100,001 to $150,000, $150,001+
|Never Married
|Never Married, Divorced
|Have kids:
|Wants kids:
|Probably not
|Not sure, Probably not, No
|Black / African descent
|No preference
|Spiritual but not religious
|Buddhist / Taoist, Christian / Catholic, Christian / Protestant, Spiritual but not religious, Christian / Other
I grew up in the church and still attend every once in a while. But life experiences have shown me different perspectives. My faith is a work in progress.
|Graduate degree
|Bachelors degree, Graduate degree, PhD / Post Doctoral


text:
Originally written on Diamond Hoggers | Last updated 1/19/13
The Man. ┬ĀWhat a nickname. ┬ĀCan there be a better one?┬Ā Stan Musial was one of the best baseball players in the history of the game and pretty much defines what it means to be a St. Louis Cardinal.┬Ā A 1969 Hall of Fame inductee, a 3 time MVP, and a 24 time All-Star, he was consistently great for so long, that sometimes his name can get lost in when mentioning the all-time greats ŌĆō donŌĆÖt make that mistake.┬Ā Musial didnŌĆÖt just fade into the sunset after his playign career, but proved in his post playing career that he was as good of a man as ball player.┬Ā A great Musial quote? ŌĆ£You wait for a strike, then you knock the **** out of it.ŌĆØ So simple, so great. Baseball is a little worse off today.┬Ā Rest in peace Stan.
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