text:
Mates urged to club together to get that elusive first mortgage
Banks are offering more deals to purchasers who choose to buy with friends or relatives. But there are pitfalls, warns Chiara Cavaglieri
Sunday 10 July 2011
Lenders have been urged by housing minister Grant Shapps to offer "mates mortgages" to encourage more first-time buyers (FTBs) into the market.
Pooling together funds to meet the current deposit demands could be an ideal way to get a first foot on the ladder. But is buying with a friend really a good idea?
For anyone unable to access the Bank of Mum and Dad, the current market is a minefield of lukewarm lenders and hefty deposits. The average age of FTBs buying without help from family has now hit 37, according to government estimates, and the average deposit reached £26,582 in the first quarter of 2011, according to the Council of Mortgage Lenders (CML).
During boom times, joint ownership mortgages were often just a way for buyers to increase their spending power, but with today's strict lending conditions, they could prove to be the only lifeline for some.
"Buying with friends or family can be a way of lowering the amount of deposit you need and sharing mortgage and running costs." says Helen Adams from Firstrungnow.com. "In some areas it may enable buyers even to leap-frog the first rung of the ladder to a larger property – but not in many. Another advantage is you have an in-built social life. In many case friends have rented together before – so why not purchase together?"
Having several people contributing to the deposit and mortgage is in many ways a straightforward way to make your first home affordable. Indeed, it could be the only way for some without having to save until they are into their thirties. As well as the mortgage itself, friends buying together get to share all of the other financial burdens such as legal fees and survey costs, which quickly add up.
The problem remains, however, that lenders are still cautious, and even if you do find a willing and affordable lender, you may not be able to borrow as much as you hope. Lenders are unlikely to consider all incomes, with many only using the top two earners to determine how much they will lend, but it is worth investigating as this will vary from one bank to another. For example, Santander will take half of the income from third and fourth applicants into account, and others may have an element of discretion to use a third income if there is only a small margin.
Britannia is another major player in this field with its "Share to Buy" mortgage. This was launched in July 2004 and allows up to four friends to buy together. The mortgage is available up to 90 per cent loan-to-value (LTV) and the building society will lend at up to 3.75 times the joint income of two applicants; for groups of more than two, it will either lend at twice all applicants' incomes, or 3.75 times the two highest earners.
"We know how difficult it can be for first-time buyers to get a foot on the property ladder. We've seen a lot of siblings or groups of friends who have chosen this type of mortgage," says James Hillon, head of mortgages at the Co-operative Bank and Britannia. "As well as making their first home more affordable it also gives a lot of flexibility – there is no limit to the overpayments they can make, plus there are no penalties or tie-ins."
Even if you don't have anyone in mind to buy with, you can find like-minded people on agencies set up to bring co-buyers together, such as Sharedspaces.co.uk, Jointequity.co.uk and Propertyfriends.co.uk.
Whichever route you take, with any joint ownership mortgage, legally you will either be "joint tenants", or "tenants in common". The former is typically suited to married couples or long-term partners, and under this arrangement neither party can sell without the other's agreement.
If one party dies, their share is automatically passed on to the remaining owner. For friends buying together it is sensible to be "tenants in common" instead, which means that each party can sell their share while alive, or have that share passed on to their estate if they die.
Although it shouldn't have any impact on the lender's decision whether you are friends or relatives buying together, it could be a factor when deciding whether joint ownership is too risky a move.
"It won't make any difference on the status of the borrowers whether they are siblings or just friends, just as there is no difference between assessment of married or unmarried couples," says David Hollingworth of the mortgage broker London & Country. "What it does highlight, though, is that the commitment is the same for all and the friends will be jointly and severally liable."
As everyone is responsible for the mortgage, if one person defaults, the rest of you have to cover the shortfall and the lender is free to chase one or all for any overdue payments. With FTBs it is perhaps more likely that circumstances will change, whether it's someone getting married, losing their job or relocating.
Furthermore, if anyone decides they want out and property prices have fallen there is a danger you could all end up with less equity, unless everyone is in a position to hold on to the property until conditions improve.
"The main issue is simply sharing with others; it is hard enough renting with a group of friends without committing yourself to something as difficult to get out of as a mortgage," says Melanie Bien, a director of independent broker, Private Finance.
With so many potential problems, it is vital to seek legal advice. A solicitor will guide you through the buying process and help arrange a declaration of trust setting out how much each person has contributed and how the equity will be split. A cohabitation agreement should also be drawn up to cover anything from responsibility for house maintenance and home insurance, to how to value the property if anyone wants to sell and any rules concerning partners or tenants moving in.
Above all, you will all need to ask each other some frank questions before making your decision.
"A mortgage should be viewed as a long-term commitment, usually over 25 years," continues Ms Bien. "But what if one of the friends meets someone and wants to buy with them – would they be able to get out of their commitment to their friends? Will the others buy out the leaver's share – and would they be able to afford to?
"What happens if one party loses their job and can't afford their share of the mortgage? The others would be liable for the shortfall, which they may ill afford."
Case Study
Thomas, 26, and Christopher Akhurst, 25, London
When brothers, Thomas and Christopher, decided it was time to leave home in North Harrow, it made sense to buy together.
"I looked for maybe a year before we both started looking together," says Thomas. "I realised that to get anything decent I would have to save for a very long time on my own. After living together at home for two years when Christopher got back from university, we started looking for a place together."
The pair moved into their £235,000 two-bed flat in Ruislip, north-west London, in January with a joint ownership mortgage from Britannia. Having saved up their money while living at home, Thomas, a mechanical engineer, and Christopher, an internet analyst, were able to put down a £40,000 deposit, which they split equally between them.
For Thomas, buying with family was an easy decision and he is happy that should either want to leave, the other can buy them out and can remortgage if necessary. But he says he wouldn't have felt as comfortable making such a big commitment with anyone else.
"I can trust my brother. I know his financial background, so there aren't going to be any skeletons in the closet."
Independent Partners: Get fee-free expert mortgage advice and find the right mortgage deal for you.
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Who's Really Winning the 2012 Fundraising Race?
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Trinamool denies party involvement in Presidency vandalism
Kolkata: The Trinamool Congress on Friday called for an investigation into the vandalism at the Baker Laboratory in Presidency University on April 10 and reiterated that the party was not involved.
"The entire incident, including how it happened, who were the provocateurs, need to be thoroughly inquired into," Trinamool Congress Secretary-General Partha Chatterjee said.
"I say with responsibility that none of our party workers were involved in the ransacking in Presidency University," he said, alleging that the , CPI(M) and a section of the media were trying to malign the ruling Trinamool Congress and the state government.
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416 Cole Ave Darby, MT 59829 See your commute times
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416 Cole Ave This Single-Family Home is located at 416 Cole Avenue, Darby MT. 416 Cole Ave is in the 59829 ZIP code in Darby, MT. This property is listed by Prudential Montana Real Estate via edgelistingpro.com for $67,500. The average listing price for ZIP code 59829 is $507,903, which is higher than the list price for 416 Cole Ave. 416 Cole Ave has 3 beds, 2 baths, and was built in 1986
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London Tennis Leagues
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Toronto Mayor denies video showing him smoking cocaine
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According to the BBC, Ford denied the allegations and claimed it was another defamatory story by Toronto Star against him. His lawyer Dennis Morris told the newspaper that a probe is on regarding the video`s existence and authenticity.
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Handmade Wood Handle Survival Hunting Pocket Folding Knife Gifts Edc Knife For SaleHandmade Wood Handle Survival Hunting Folding Knife Item Description Pay Attention Please !Chinese Lunar New Year (LNY) holidaysIn here region Shipping Company suspend services during the ChineseLunar New Year (LNY) holidays,Shipping Company will Close from February10th to Feb 25th 2015.Please make sure complete your payment before February 9th 2015.The orders that payment sent after February 10th will not be processeduntil February 25th 2015 (16 days delay)Thank you for your understanding.Happy New Year 2015 !
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FORT MYERS, Fla. — John Lackey worked his way out of a bases-loaded jam in the first inning, allowing one run in 20 pitches, while Jose Iglesias hit a two-run homer over the Monster as the Red Sox fell to the Rays, 4-3, Saturday afternoon at JetBlue Park in the Grapefruit League opener for both clubs. Xander Bogaerts, in his final at-bat before leaving for the WBC, singled home a run in the ninth to make it close. Daniel Nava struck out looking with the tying run on base to end the game before a sellout crowd of 9,680 at JetBlue Park.
Lackey was making his first outing since Sept. 25, 2011 and his first since Tommy John surgery on his right elbow.
He allowed one run, one hit, walked one, struck out one and a hit a batter as the Rays managed just one run after loading the bases with none out in the first.
Ryan Roberts drove in the game's first run with a sacrifice fly to right off Lackey, scoring Ben Zobrist. The Rays added another in the third as Jarrod Saltalamacchia had an inning to forget. He dropped a foul pop that extended the at-bat of Jack Cust. On the next pitch, Desmond Jennings stole third and Saltalamacchia's throw sailed into left field, allowing Jennings to score, making it 2-0.
The Red Sox went quietly in the first six innings before Jeremy Hazelbaker walked with one out. Iglesias followed by driving a first-pitch fastball over the Monster in left for Boston's first homer of the spring, tying the game, 2-2.
The Rays got those two runs back in the eighth when Leslie Anderson drilled a two-run homer to right off Red Sox righty Oscar Villarreal (0-1) with two outs.
Saltalamacchia, Jacoby Ellsbury and Hazelbaker had doubles as extra-base hits accounted for four of Boston's seven hits on the day.
The Red Sox return to action across the state on Sunday as they take on the St. Louis Cardinals in Jupiter at 1:05 p.m. as lefty Jon Lester makes his spring debut. Boston plays split-squad games on Monday with Steven Wright starting against Toronto in Dunedin at 1:05 p.m. and Alfredo Aceves starting against Tampa Bay in Port Charlotte at 1:05 p.m.
POST-GAME NOTES from John Farrell:
On the homer from Iglesias: "Wish there were a couple more like it. As we have commented on him as camp has unfolded, he's a little bit more upright, a little more free in his overall swing. He got a fastball up in the zone and did what he's capable of doing. I think more than anything, it's just the freeness and aggressiveness of the swing."
On Xander Bogaerts, RBI single, nice defensive play in rundown: "A good heads up play on the rundown we executed. He's got a good swing through the zone and like I said the other day, he's a bright-looking young player. He's heady. He's got field awareness. Good things are ahead for him."
On Daniel Nava first base defense: "As we've seen in the work, that wasn't an easy play on that ground ball by [Ben] Zobrist. He looks fine over there for right now. The little things, even on the errant throw [by Iglesias] that you see the footwork where he adjusted on the bag, some things that are more instinctual. To have him step in and the last time he played first base was in junior college, and he's handled it well."
On Clay Buchholz 37-pitch simulated game: "He'll have a side on Monday and then he's set to go Tuesday or Wednesday. It's yet to be determined. We'll fit that into how it starts to plan out for the start of the regular season. He's gradually ramping up the intensity [on fielding], not only just with field tests as far as straight-ahead running or any kind of cuts, but in time, that'll take its place. We want to prioritize the work he does on the mound right now."
For more, visit the Red Sox team page at weei.com/redsox.
Law Professor Michael McCann calls in to talk about how Tom Brady can fight the NFL in court.
Peter King calls in to talk about Roger Goodell not reducing Tom Brady's suspension.
Butch and Tom discuss Tom's Top 50 Pats of the Bill Belichick era feature as he nears his top 10. They also get into more Deflategate talk on the heels of Mike Florio's report this morning that Goodell's decision will be announced this coming week.
Jay King of Masslive.com joins the show to break down the performance of the Celtics during the NBA Summer League. Then Ben and Sam discuss the exciting possibility of a Space Jam sequel.
Michael joins Ben and Sam to discuss the wild NBA Free Agency period and the upcoming Celtics season.
How long will this rebuild take? How much money will it take to keep Bae Crowder? Are Draft Picks even worth anything? With the Danny Ainge not landing any big names in the draft, and unable to lure any big names in free agency, Sam and Ben discussed if the Celtics are doomed moving forward.
Joe and Dave are joined by Pedro who was at the game and had his number 45 retired by the Red Sox in a very touching pregame ceremony. Pedro talks about going into the Hall of Fame, his time in Boston and love for the game of baseball.
Joe & Dave talked to the Sox designated hitter, who hit two home runs and drove in seven runs in the win over the Tigers.
Joe and Dave talk with Xander after he hits the walk-off single that snapped the Red Sox losing streak as they beat the Tigers in 11 innings.
Don Sweeney, who was hired as the Bruins general manager yesterday speaks with Dale and Holley about his new position and where the Bruins go from here.
The awesomely knowledgeable Fluto Shinzawa calls DJ, Naoko and Pete to talk about his thoughts on the future of the B's. He discusses his column from earlier this week on Cam Neely wanting to give Claude the ax earlier in the season but not getting the ok. Fluto shares his thoughts on Chiarelli's firing, the future for Claude and where the Bruins should go from here. He also gives his opinion on potential moves the team can make, who would fit in here, his thoughts on the NHL playoffs so far and more.
In the final hour of the "midseason finale" as DJ likes to call it, the crew discuss more about the future of the Bruins franchise, the possible power struggle in the front office and who should be the head coach going forward. They talk to intelligent and talented Fluto Shinzawa about all of these thing and more in an excellent interview, and finally, DJ says THANK YOU!
Stephen A. joined us to discuss Brady's punishment.
Pats fans called in with their thoughts on the Brady suspension.
Callers give their reaction to Tom Brady's suspension being upheld.
Stephen A. Smith was on the show BEFORE the news came down about Tom Brady's suspension being upheld. He was also the first to report the news that Tom Brady destroyed his personal cell phone.
Junior Seau's daughter denied chance to speak at her father's HOF induction. Dan LeBetard addressed the Colin Cowherd suspension. Jack Trudeau pulled over with absurdly high BAC.
The "B" in MFB has decided to accept a job back in Pittsburgh where he can be closer with his family. Tim Benz announces that he made the very difficult decision to leave his post at WEEI so he can return home full-time with his wife Kate.
Law Professor Michael McCann joins the show to talk about Roger Goodell not reducing Tom Brady's suspension and how this will play out in court.
Peter King joins the show to talk about Roger Goodell not reducing Tom Brady's suspension.
Collin McGregor gets weird and wild with Tigers
Mikey Adams lets the Red Sox have it and welcomes callers who do the same. The Red Sox (stink)!
Mikey Adams and Lenny Megliola get 36 glorious minutes between games of a Monday doubleheader, and after an 11-1 Red Sox loss, to vent about the declining state of the team.
Mikey Adams and Lenny Megliola talk to #RedSox great Bill Lee, The Spaceman, about the current version of the Sox as only The Spaceman can describe things.
Jay King of Masslive.com joins the show to break down the performance of the Celtics during the NBA Summer League. Then Ben and Sam discuss the exciting possibility of a Space Jam sequel.
With the transfer window open and active in the world of soccer, David Amoyal joins Ben & Alex to talk transfers, transfers and more transfers
Ken Laird and Ryan Hannable talk all things Red Sox prospects, joined this week by WEEI.com's Rob Bradford as well as affiliate eyes Mike Antonellis (Pawtucket), Mark Perlman-Price (Portland), Kevin Burke (Salem), Cameron White (Greenville), and Jon Boswell (Lowell)
The "B" in MFB has decided to accept a job back in Pittsburgh where he can be closer with his family. Tim Benz announces that he made the very difficult decision to leave his post at WEEI so he can return home full-time with his wife Kate.More from this show
Dino, Gerry and Kirk discuss the induction of Pedro Martinez into the Baseball Hall of Fame.More from this show
According to ColdHardFootballFacts.com, the Patriots are the smartest team in the NFL in 2014, and the Rex Ryan-led Jets were the dumbest.More from this show
Kirk Minihane discusses the premiere of Caitlyn Jenner's reality show.More from this show
The Mayor joined us to discuss the cities failed bid.More from this show


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Putting your mind to it: The willpower instinct
Tess Vigeland
Interview by
Feb 24, 2012 Whether you want to lose weight or save money, you're gonna need the secret ingredient: willpower. Psychologist Kelly McGonigal discusses the art and science of self control.
More bad news on retirement
Chris Farrell
Feb 23, 2012 A substantial fraction of people die with virtually no financial assets -- 46.1 percent with less than $10,000.
51%: An ominous number
Chris Farrell
Feb 22, 2012 More Americans are at risk of a lower standard of living in retirement.
Small talk: New car smell, Girl Scout cookies
Rico Gagliano
Feb 17, 2012 The news that didn't quite make the headlines. This week: Girl Scouts get high-tech, that new car smell is toxic and getting to Ecuador if you're a retiree.
For five years of love and fiscal responsibility
Tess Vigeland
Feb 17, 2012 A marine declares his love for his wife of five years, who along with love diligently sent him burned copies of Marketplace Money every week through two tours of duty.
Sick to death of saving
Zo Webster
Feb 17, 2012 Commentator Zo Webster has been a saver all her life - but recently she's begun to change her tune.
A little risk in the portfolio could be worth it
Josh Brown
Interview with
Feb 8, 2012 The markets will always have their ups and downs, but Josh Brown of Fusion Analytics thinks the best way to prepare for a long retirement is to keep a little risk in your portfolio, especially as markets are looking up.
Getting Personal: To move or not to move
Feb 3, 2012 Tess Vigeland and economics editor Chris Farrell discuss the possibility of more transparency on 401(k) fees. Plus, callers ask questions about supporting retired parents and the pros and cons of uprooting a family for a new job.
Stepping up and stepping in for an aging parent
David Brancaccio
Feb 6, 2012 People coping with elderly parents in failing health face tough decisions. But there are warning signs indicating when loved ones should step in.
For starting a 'What happens next?' Fund
Tess Vigeland
Feb 3, 2012 This week's winner thought ahead and created an emergency fund for her and her husband.


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Somewhere in India, locked behind a dusty vault, is an ancient document called the Chatrang-namak. Written in the seventh century A.D., this faded parchment tells the story of an Indian Vizier who was sent by his Raja on a pilgrimage to the court of the great King Nushirwan of Persia. The document reports that the Vizier took with him a fabulous chess like game called Chaturanga as a test for the Persian King. If King Nushirwan could intuitively explain the nature of Chaturanga, then he would be worthy of the vast riches the Indian Vizier had brought with him in tribute to the Persian court. If King Nushirwan could not ascertain the nature of the game then he would return the tribute to the Raja of India, and in turn pay tribute of his own. Much to his dismay, King Nushirwan was unable to decipher the game and thus prepared to forfeit his tribute. Fortunately for the King, his wizened sage Bururjmihr recognized Chaturanga as a game of war. He quickly worked out the function of the pieces and the objective of the game and challenged the Vizier to a contest.Buzurjmihr went on to beat the Indian Vizier 12 games in a row, thus securing the vast riches for Persia and King Nushirwan and inadvertently creating the game of chess that we all know and love.
Quite a feat to work out how the pieces move from just looking at the pieces.
not easy but it actually seems possible,
if you ever dabbled in game design things become quite logical...
in this case its reverse engineering LOL
If King Nushirwan saw a few games in progress, then it would not be SO tough. I assumed he was just shown the board and the chess set.
cool. very interesting
It really happened.
Everyone knows that Chess was invented after Bill Brasky ate some checkers pieces and crapped out a chess set.
Is there an online shop that sells Chaturanga?
chess notation reciting in blindfold chess is taking toll in the outskirts of Caracase nomad plains somewhere south of the Habasguule-Hirab tribe boundry near the hell desert and low lying crater volcanoes locally known as the 7th gate of hell. one camel herder, while milking recites his chess moves loud in a blindfold chess match with a cousin, of what seems to be the only chess set south of that boundary, very remote. A patzer said you are only a nomad when you fully milk a camel and blindfoldly win a Shatranj game in style( he knocked his cousin with walking stick from the local chief nearby and the game ended.
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Quality of teaching in a school: Ofsted criteria
Ref: 1113
updated on 09 Jul 2015
What are the Ofsted inspection criteria for teaching? This article sets out Ofsted's criteria for teaching, taken from its school inspection handbook. It also features a KeyDoc with the grade descriptors for 'outstanding', 'good', 'requires improvement' and 'inadequate' side-by-side for comparison.
- 1 Inspectors will judge the quality of teaching
- 2 Criteria for inspecting the quality of teaching
- 3 Inspecting the impact of the teaching of literacy
- 4 Inspecting the teaching of mathematics
- 5 Lesson observations
- 6 Schools with a high proportion of NQTs
- 7 Schools with teachers undergoing capability procedures
- 8 Sources and further reading


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My wife and I could not have been more pleased with all aspects of Holly Cottage. The design, layout, cleanliness, fittings and facilities were of the highest standard. In addition, the owner, Ros a… More
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Warm welcome from the owners on arrival. The surroundings were peaceful. The cottage it's self is fabulous. The rooms are immaculate, the kitchen is equipped to a high standard with quality crockery… More
Thank you so much Jill for your lovely comments - it was a pleasure to meet you all. If you need to come down at short notice and the cottages are booked, we do have the Studio available and I can email you photos - it has a bed/sitting room with king size bed, double sofa-bed, TV, DVD, wardrobe; separate kitchen and separate shower room with the same shower as the cottage (loved Ysabell's comment about the 'epic' shower!). Kind regards and best wishes to you all. Ros.
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Minimum hourly wage needed to rent two-bedroom apartments in each state
This celebrity has nearly perfected the art of "being famous for being famous," with several reality TV shows, clothing lines and other business ventures.
As the saying goes, the eyes are "the window to the soul." See if you can match these eyes to the souls of some of our favorite celebrities.


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Brian Shaw now blames Nuggets' slow starts on warm-up routine
Dec 17, 2013, 1:59 PM EDT
Last we checked on Brian Shaw, the Nuggets coach was blaming his team's slow starts on pizza and nachos.
But replacing the junk food with healthier options hasn't turned Denver's fortunes early in games.
The Nuggets have lost all eight first quarters this month, though they've gone 5-3 in those games. The issue isn't isolated to December, either. Denver has the 10th-best net rating overall, but just 21st-best in the first quarter.
Christopher Dempsey of The Denver Post:
"We had Steve Hess, our strength coach, kind of change up some of the routines in warm-ups," Shaw said. "And the only thing that it came down to was after you look at the film is defensive alertness. We're scoring enough points, for the most part, in the first quarters. But defensively, we're allowing teams to get comfortable, swing the ball around and just feel like they're out there five-on-zero."
Shaw has stressed that his players get out on the court after the pregame chalk talk to warm up, something not every player has been known to do.
"We are done with our talk, and chalk talk and board work and film session, usually with about 23 or 24 minutes left on the game clock before the game starts," Shaw said. "They are supposed to be ready and out on the floor to get a good 20-minute workout. And what we've been finding as well as we've been researching what the problem is, is we come back in the locker room a lot of times and it's 16 minutes on the clock and there's a lot of guys still in the locker room.
"We're trying to get them out there and make them understand that's what it takes. You've got to get out there, you've got to get loose, you've got to get warm. We're hitting every angle that we can, and hopefully it will be remedied soon."
As I wrote before, the statistics don't prove Denver's first-quarter struggles are anything more than natural variance. But Shaw is also better positioned to see how the Nuggets are playing rather than just what they're producing. A lethargic team might do OK, but a coach knows that's living dangerously.
Announcement: Pro Basketball Talk's partner FanDuel is hosting a one-day $85,000 Fantasy Basketball league for Wednesday night's games. It's $25 to join and first prize is $9,000. Starts at 7pm ET on Wednesday. Here's the FanDuel link.
But because the 14-9 Nuggets are playing so well in spite of their early struggles, that makes Shaw's focus more reasonable. What else is he supposed to concentrate on? The Nuggets are exceeding expectations in most aspects of the game.
This is one area where Shaw thinks he can foster and improvement, and whether or not he truly can, his attention to detail remains encouraging.
Raptors' GM Masai Ujiri sees Bismack Biyombo as key part of roster transformation
Aug 1, 2015, 9:30 AM EDT
Biyombo has worked with Hakeem Olajuwon this summer on post moves, other parts of his game.
Nets finally taking responsible path to rebuilding, don't expect another spending spree next summer
Aug 1, 2015, 8:00 AM EDT
The Nets will be paying the price for their win-now era for a few years to come still.
Report: Dwight Howard to attend Team USA mini-camp after all
Aug 1, 2015, 1:11 AM EDT
This is the right move, whether he decides to play in Rio or not.
Watch Karl-Anthony Towns highlights from Summer League
Jul 31, 2015, 11:08 PM EDT
He looks like a guy who can live up to the No. 1 pick billing.
Pelicans waive Toney Douglas, still await Norris Cole decision
Jul 31, 2015, 10:26 PM EDT
Norris Cole is still looking for a bigger payday.
It's official: Kings hire Hall-of-Famer Nancy Lieberman as assistant coach
Jul 31, 2015, 9:31 PM EDT
Her credentials are unassailable.
Report: Hawks' Mike Scott told police after arrest all drugs in car were his
Jul 31, 2015, 8:10 PM EDT
He is currently out on bond.
Pacers' Jordan Hill arrested for reckless driving, clocked at 107 mph
Jul 31, 2015, 7:15 PM EDT
Hill told the police he was "in a hurry." I guess so.
Warriors trade Gerald Wallace to Philadelphia in exchange for Jason Thompson
Jul 31, 2015, 7:01 PM EDT
Neither guy is going to make a difference on the court for these teams. This was just moving some money around.
Trail Blazers guarantee Allen Crabbe's contract for next season
Jul 31, 2015, 5:46 PM EDT
Crabbe looked good in Las Vegas at Summer League.
Report: Hedo Turkoglu wants to play anther NBA season, Kings possiblity
Jul 31, 2015, 4:59 PM EDT
The Kings don't really have the roster spot for him.
Grizzlies' D-League affiliate hires female assistant coach
Jul 31, 2015, 4:11 PM EDT
Iowa Energy add Nicki Gross to coaching staff
Report: Second-rounder J.P. Tokoto will sign with 76ers, after all
Jul 31, 2015, 3:20 PM EDT
Will he accept the required tender?
Report: Knicks signing Sasha Vujacic
Jul 31, 2015, 2:35 PM EDT
The Phil Jackson Effect
Jerry Colangelo sounds more forgiving of Kevin Love than Kevin Durant for skipping World Cup
Jul 31, 2015, 1:58 PM EDT
Why does USA Basketball chairman make such a distinction?
Report: Joe Johnson "pumped" that Deron Williams bought out by Nets
Jul 31, 2015, 12:52 PM EDT
Johnson makes $24.9 million, but this is the last year of his contract.
Report: Knicks to sign Thanasis Antetokounmpo
Jul 31, 2015, 12:47 PM EDT
New York drafted Giannis Antetokounmpo's brother last year
Report: 76ers second-rounder J.P. Tokoto won't sign with Philadelphia
Jul 31, 2015, 10:23 AM EDT
No. 58 pick will reportedly head overseas or to D-League
Knicks waive Ricky Ledo
Jul 31, 2015, 9:21 AM EDT
Guard didn't show much in short stint in New York
NBA lands in Africa trying to put down roots, which is all about youth programs, infrastructure
Jul 31, 2015, 8:35 AM EDT
"One thing to come out of this will be more camps, more clinics, more games, more youth competition, and from that you get into infrastructure, and building more courts." —Masai Ujiri, Raptors GM and native Nigerian
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- 7/29 vs White Sox 6:25pm pregame/ 7:10pm first pitch
- 7/30 vs White Sox 6:25pm pregame/ 7:10pm first pitch
- 7/31 vs Rays 6:25pm pregame/ 7:10pm first pitch
- 8/1 vs Rays 12:50pm pregame/ 1:35pm first pitch
- 8/2 vs Rays 12:50pm pregame/ 1:35pm first pitch
- 8/4@ Yankees 6:20pm pregame/ 7:05pm first pitch
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It's a homecoming of sorts for the head of the U.S. Environmental Protection Agency
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HARTFORD, Conn. (AP) – Federal energy officials say pipeline bottlenecks that drove up natural gas home heating prices in New England last winter could cause trouble when the weather again turns cold. At the same […]
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The Coast Guard is preparing for an environmental cleanup at a former power plant in New Haven following an oil spill
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State environmental officials are taking a closer look at the impact of more than 2 billion gallons of water discharged into Long Island Sound from Connecticut's nuclear plant.
Smoking Ban Considered At Milford Rec. Fields
Milford's Recreation Department is considering a smoking ban at Little League fields and possibly parks, beaches and other recreation areas.
State Probing Millstone Water Dumped Into LI Sound
State environmental officials are taking a closer look at the impact of more than 2 billion gallons of water discharged into Long Island from Connecticut's nuclear plant.
DEEP: Heads Up For Deer, Moose
(Hartford, Conn./CBS Connecticut) – From now through the end of next month, the Connecticut Department of Energy and Environmental Protection is advising motorists to be on the lookout for increased moose activity due to the […]
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Connecticut agriculture officials are marking a milestone in farmland preservation.
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The Duxbury, Massachusetts, harbormaster is advising beach-goers to go into the water at their own risk after a 12-to-14 great white shark was spotted Monday.


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7/28/2015 | W. Tennis
LMU Athletics Director Dr. William Husak announced today, Tuesday, July 28, the hiring of Agustin Moreno as head coach of the women's tennis program. Moreno is coming off nine-plus seasons leading South Florida's program, guiding them to a pair of conference championships and six NCAA tournament appearances.
7/28/2015 | W. Volleyball
LMU Head Coach Tom Black, an assistant coach with Team USA Volleyball, helped guide the Americans past five nations, all ranked in the top seven in the world, in five days, securing the sixth Grand Prix crown for the United States. Russia took the silver and Brazil earned the bronze medal.
7/27/2015 | General Release
With the conclusion of the 2014-15 academic year, the West Coast Conference is happy to announce the 14th annual WCC Commissioner's Honor Roll, which recognizes student-athletes that have balanced athletic success with academic excellence. LMU had 128 student-athletes on this year's honor roll.
7/27/2015 | M. Basketball
The LMU Sports Network is taking a quick look at the seven newcomers for LMU men's basketball, and the summer series continues with freshman walk-on Miles Crawford.
7/25/2015 | Rowing
With the fall semester set to begin in just about a month, the LMU rowing program has announced the addition of a handful of talented student-athletes for next year. The Lions finished third overall at the 2015 West Coast Conference Championships.
7/23/2015 | Track
A trio of individuals, along with both LMU men's and women's teams, are among the 2015 U.S. Track & Field and Cross Country Coaches Association (USTFCCCA) Division I Track & Field academic honorees.
7/22/2015 | W. Basketball
Six new faces have joined the LMU women's basketball roster beginning in 2015-16 and the LMU Sports Network, along with host and senior guard Deanna Johnson, is giving fans an inside look at new players, continuing today with freshman forward Cheyanne Wallace.
Athletics | 05/04/2015
Baseball | 05/02/2015
Women's Water Polo | 04/27/2015
Women's Water Polo | 04/22/2015
Baseball | 04/21/2015


text:
'Bennett, your hands are stained with blood' - Bayit Yehudi alleges incitement by leftists
Yossi Dagan wins election to head Samaria Regional Counci
Erdan: Slamming political rivals won't bring change
Deri deal clears path for budget
August 7: CITY NOTES
Accommodation: Make yourself at home
August 7: Top 10 things to do
Food: A Place to Savor
Reichert's trivial Tel Aviv flip-flop much ado about not much
Mac TA's European survival on last breath
Israel national baseball team takes 3rd in Vienna
Ashdod's preseason soccer match in Bulgaria turns ugly
Judge orders psychiatric evaluation of Jerusalem gay pride parade stabber
Gaza soccer team to host West Bank for first time in 15 years
South African BDS activists set sites on US pop superstar Pharrell
Christian French tourist beaten on Temple Mount for raising Israeli flag
Palestinian 'special committees' to defend villages against 'settler gangs'
Fatah official: Netanyahu is founding father of Jewish underground terrorists in W. Bank
Birthright Excel gives students a taste of Israeli hi-tech
London police commissioner criticizes Jewish volunteer security organization
Satmar hasidic school bans mothers from owning cellphones
Chabad rabbi becomes second bearded officer in US Air Force history
Hundreds attend Limmud South Africa conference in Johannesburg
Rivlin: Result of Congress vote on Iran deal won't affect Israel-America bond of friendship
Kerry says sinking of Iran deal would be 'ultimate screwing of ayatollah'
Israeli NGO files court motion in US to block Iran nuclear deal
Obama tells US Jews: Rockets will fall on Tel Aviv if Congress kills Iran nuclear deal
Looking for a summer vacation destination? ISIS releases tourist brochure
Turkey says US planes en route to its airbases, massive strike on ISIS to be launched
Syrian-Kurd intellectual to Post: 'US and Israel need to stop Turkish attacks in Syria now'
Nusra Front abducts US-backed rebel leader, blunts efforts against ISIS
Litzman: State will subsidize supplementary health insurance for poor
TAU research offers new hope for breakthrough in melanoma care
Hebron teen saved by Rambam's ECMO machine after suffering crush injury
Proportion of contract workers in Israel similar to other developed countries, study shows
Environmental officials: Beach building proposal could endanger coast
Park and Ride lots approved to accompany Tel Aviv area light rail construction
Haifa to expand air quality monitoring program
Israel's largest solar field begins flowing to the national grid
Tech talk: Haredim join the hi-tech world
Global hi-tech firm opens new office in Jerusalem with haredi staff
Mark Zuckerberg: Virtual reality is Facebook's next frontier
Budget deal to give NIS 18,000 'piggy bank' to 18-year-olds
Your taxes: Budget proposals target olim
Air France wipes Israel off of the map...literally
IN PHOTOS: The colors of the Holocaust
Mazel Tov! Mark Zuckerberg and his wife are expecting first child
Just a thought: On the emergence of Judaism
Parshat Va'Et'Hanan:Righteous living is the remedy
Hypocrisy and the 'C' word
Fundamentally Freund: Praying towards the wrong home plate
Center field: The Gaza 'Withdrawalaversary' - Peacemakers, peace saboteurs, peace smashers
August 5: Writing on the wall
IN MY OWN WRITE: What's deemed obscene
Take two tablets!~
Sin Offering
Lincoln and the Jews
Portrait of an assassin's wife
The light makes his life
An American-Jewish idiom
The story of the Sabena pilot hijacked en route to Israel
'We were the only ones left alive'
The Tower of David– Full speed ahead
This Week in Jerusalem
Get on the shabus
Remembering three lone soldiers
No worst, there is none
Walking the line:the Animix festival
Wandering through fascinating Florentin
Who Cares? Israel does
מִשִירֵי רָחֵל: אֶל אַרְצִי
מִתְנַדְבִים מִיִשְׂרָאֵל
שִירַת רַבִּים 3
'נְתִיבֵי יִשְׂרָאֵל'
The path to aliya- Indian style
The journey of Ukraine's embattled Jews to Israel
A historic win, but no slam dunk
Art is for everyone, everywhere
From the front Ro: Aliyah- when winning means accepting you have lost
Hot July, oil on fire
Jihadists in America: The Media's Narrative
False Dichotomies
Danny 'Boy' Barenboim strikes again: music is "social engineering"
A Corner in Nitzana Forest in Memory of Sergeant Erez Sagi
Australian Legislators and Political Advisors Visit Gaza Border Communities
New Campsite for Youth Dedicated in Maginim Forest
New Hadid Single Dedicated in Ben Shemen Forest
Chinese Delegation Tours Negev Agriculture and Forestry
Italy's National Day at EXPO 2015
The Ambassadors' Club of Israel Tours the Galilee with KKL-JNF
The International Solidarity Mission Says Goodbye in Jerusalem
An Ecological Festival at the Shafir Winter Pond
KKL-JNF Global Landscapes Seminar at Expo 2015
New Bio-filters Purify Surface Runoff Water for Reuse
Future Tour Guides Discover the Negev with KKL-JNF
$100 Million JNF Boruchin Israel Education Advocacy Center Opens
JNF Canada Pays Tribute to the Honourable John Baird
From Sunny Israel to Cold Canada
Walking for Water with KKL France in the Mountains of Eilat
Renewable Energies for the Future in the Arava
LDA Conference: Science and Technology for Forests
The Negev Conference on Agricultural Research and Development
Arava Open Day: Food Security for Israel and the Entire World
An Olah Reports From Nepal
How One Oleh is Helping to Transform the Way People Drink Water
From Think Tank to Environmental Consultant
Award Winning Designer Launches Career as Wedding Dressmaker
How Natalie Edwards Built a Successful Career in Israel's Startup Industry
5 Tips to Land a Job in Israel
Starting Your Own Business in Israel: Real Life Examples
5 Strategies for Finding Your Professional Place in Israel
36 Hours in Southern Israel
Food Shopping In Israel
How Women Can Have it All in Israel
The Eisenberg's Long Journey Home
Why Retirees are Thriving in Israel
Thanks to Aliyah video
6 Frequently Asked Questions about Israeli Healthcare
Starting Over in Israel
Sam Eisenberg: From Nativ to Aliyah
WATCH: Why Olim #LiveLoveIsrael
5 Ways that Olim Kick Back
VIDEO: Are you ready for the South?
Make yourself at home… in Israel
NBN Announces Bonei Zion Prize Recipients for 2015
NefeshB'Nefesh Provides Services to Bnot Sherut
How Doctors Are Impacting Israel's South
08.05.2015 | 20 Av, 5775
Jewish women take home gold at 2014 Emmys
Dance review: Maya Brinner –'Local' Jaffa Port
Resurrecting Chagall
'Armed' and dangerous
US music legend Seymour Stein to scout Israeli artists
Robin Williams, remembering the man of many voices
The play must go on
Dance review: Dafi Dance Group Warehouse 2, Jaffa Port
The prince of romance hits all the right keys
Return of ladino popularity ruthy
Eyal Sher to head Israel Festival
Menahem Golan, pioneering Israeli filmmaker, dies at 85
10/09/2012 16:23
Barbra Streisand performs during Marvin Hamlisch tribute 370.
(photo credit:REUTERS/Lucas Jackson)
Superstar singer Barbra Streisand opened her Back to Brooklyn tour with a
spectacular concert at the Wells Fargo Center in Philadelphia Monday
evening.Accompanied by a great orchestra, she belted out in top form
many of her old hits such as "The Way He Makes Me Feel" from Yentl and "The Way
We Were," which she dedicated to the memory of her frequent collaborator Marvin
Hamlisch.Her voice (and cleavage) were better than many of the stars
half her age that are currently touring.On October 11 and 13, Streisand
was scheduled to return to perform for the first time in her hometown of
Brooklyn at the Barclays Center.We saw a new Barbra on stage during the
performance – Funny Girl has matured into Funny Momma. Jason Gould, her son by
actor Elliot Gould, joined her on stage for his first public performance as a
singer. She introduced him to her loyal fans with a short movie that he made for
her 70th birthday. It was a beautiful montage of pictures of them together
through the years accompanied by his singing a song that he had
written.A star was born on the stage. He is already being compared to
Josh Groban.The newcomer more than held his own in a duet of "How Deep
Is the Ocean" with his superstar mother. The proud mother sat on the steps
kvelling while her son performed solo."I will be right over here if you
need me, but I know you won't," she said as she sat down.Streisand was
joined on stage by acclaimed trumpeter Chris Botti. She met Botti where all
superstars meet."I am not one to drop addresses. I kept running into
Botti at 1600 Pennsylvania Avenue, the White House," she explained.Il
Volo, the trio of Italian tenors, also performed with Streisand. When they
exited stage right to great applause, she joked, "Take that, Justin
Bieber."One very intimate part of the concert was the "Ask Barbra"
segment. Before the concert, fans could stop by a booth and write down questions
for the superstar to answer on stage.One concertgoer asked what
Streisand thought about Republican nominee Mitt Romney eliminating Big Bird. At
first, she hesitated.Babs, a longtime Democrat, said, "I love Big Bird.
I was not going to talk about politics tonight." Then she couldn't resist. "I
hope Romney never finds Sesame Street or 1600 Pennsylvania Avenue," she
said."How about that debate? Romney sounded like a proper
Democrat."Streisand ended her concert with a plea to save the planet.
She retold one of her favorite proverbs: "A society grows great when old men
plant trees whose shade they will never sit in. We need to start planning for
our children and grandchildren.""We are a land of lush forests and blue
oceans, but we keep cutting down the trees and polluting the waters," the singer
explained.Offstage, Streisand has been campaigning to fight women's
heart disease.She has donated $10 million to the Cedar-Sinai's Women's
Heart Center, and has raised more than $10 million from Joan and Irwin Jacobs,
Sumner Redstone, Haim and Cheryl Saban, Mayor Mike Bloomberg, Barry Diller and
Diane Von Furstenberg, Ricki and Ralph Lauren and Ron Perelman for the Women's
Heart Center at Cedars-Sinai Hospital.Former US president Bill Clinton,
who has heart disease, attended a star-studded fundraiser at her Malibu Beach
House in June. Israeli Lior Suchard, a self-professed "supernatural entertainer"
who won a Uri Geller contest, performed. At that event, Cedars-Sinai announced
that they were renaming the center in her honor.Streisand explained why
the fight against women's heart disease means so much to her."Why am I
here... because I can't stand inequality," she said. "Whether it is about civil
rights, gay rights, or gender discrimination: This was long before I made Yentl,
which is about a women's struggle in a man's world, or the war on women that is
being talked about now."She first learned about the issue when a close
male friend was being treated by Dr.Noel Bairey Merz. The doctor was
able to reverse his heart disease with open-heart surgery."I like to
think that I am sort of well informed, but I was shocked to learn that heart
disease kills more women than all cancers combined and that more women die
annually from heart disease," Streisand stressed. "Last year, in the United
States alone, nearly 500,000 women died from it."Yet most of the
research in heart disease is done on men and very little money is allocated to
research specifically on women's heart disease. Streisand said, "The only
message that sends is that even in scientific research, women are still treated
as second-class citizens. That is unacceptable."
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Hill Country Texas Articles
Showing 16-30 of 42 Romantic Resorts
Hotel Flora & Fauna
Spend a Hill Country romantic weekend in Wimberley's new boutique hotel. Rekindle the flames and ignite a new passion with Hotel Flora & Fauna's 'Romance Experience' package, which includes a bouquet of flowers, a box of chocolates and a bottle of sparkling wine or champagne. Step out and see local artisans create stunning artwork at Wimberley... more
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Rainbow Hearth Sanctuary & Retreat Center
Is the day-to-day grind leaving you without much quality time together? Rainbow Hearth is exactly the nurturing, peaceful environment you need. Enjoy relaxing massage, a quiet natural setting, and time to focus only on one another.... more
Sinya on Lone Man Creek
Sinya on Lone Man Creek offers you that quiet, peaceful and romantic getaway you've been looking for. Here, it's just you and your loved one with no distractions. While away the hours on the hammock and reconnecting with each other.... more
Purple Sage Ranch
Head to Purple Sage Ranch for a romantic getaway you'll cherish forever. No matter what you and your sweetheart want to do, whether it be a little his and her time at the gun range, some time spent on the nature trails, or you just want to stay in your luxurious room, you'll love spending quality time together at Purple Sage Ranch!... more
Crescent Quarters
Getaway with your sweetheart in beautiful Texas Hill Country at the Crescent Quarters. For a romantic atmosphere, choose the French Boudoir themed room. Decorated with warm yellows, coppers, and golds, the only thing that makes this room cozier is the fireplace. This room is full of European hospitality, and is perfect for couples!... more
Escape with your loved one to Lake Austin Spa Resort! The intimate setting and opportunities to feel relaxed and renewed through the resort's array of activities make Lake Austin Spa Resort the ultimate romantic escape. Indulge in a "Culinary Experience" with your sweetheart, unwind at the luxurious spa during a couple's massage, or choose one of... more
Ye Kendall Inn
Spend a romantic evening people watching on the Inn's front porch, or having a dinner-for-two and bottle of wine at their award-winning restaurant, the Limestone Grille. Either way, the atmosphere here is perfect for a vacation filled with romance.... more
Heidelberg Lodges
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Settlers Crossing
You can't help but notice the romance in the air at Settlers Crossing. Cozy cabins and cottages ooze seclusion and comfort, and a stroll through their rolling pastures and flower gardens is best done arm-in-arm. Jacuzzi tubs and real fireplaces only add to the atmosphere.... more
Stablewood Springs Resort
Located on a private 520-acre preserve, you will be surrounded by natural beauty. Stroll hand in hand along our nature trails. Book a couple's massage in your villa. Share an intimate dining experience at Antler Grill followed by a glass of wine while watching the enchanting Texas sunset.... more
Full Moon Inn
The Full Moon Inn's beautiful, picturesque location makes it the perfect Hill Country spot for your romantic vacation. Escape the hustle-bustle of everyday life and indulge in simply relaxing together in your cozy room. Only three minutes away is the Fredericksburg, Texas Wine Road 290, the ideal destination for a variety of wine-tastings!... more
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Cozy up with that special someone on the private patio with a bottle of champagne and watch the sunset glistening off the sparkling surface of the Comal River. ... more
Front Desk Vacation Rentals
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Acorn Bed and Breakfast
Sometimes you just need to getaway from it all and the Acorn Bed & Breakfast is just what you need. Here, you will find a private single-bedroom guesthouse with spacious country kitchen, jacuzzi tub, and cozy sitting room that's perfect for you and your sweetheart to unwind together in complete comfort. The staff will prepare a large, delicious... more


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Pa. Judge Rules Voters Don't Need ID
The Associated Press with the breaking news out of Pennsylvania:
"A Commonwealth Court judge ruled today that Pennsylvania's controversial new voter ID law can remain mostly intact for the November election, but will impose a very narrow injunction that will allow even those without identification to vote. In his ruling, which is widely expected to be appealed to the Supreme Court, Simpson ordered an injunction that would target the portion of the law that deals with provisional ballots."
Full story here. [Update: Weigel has more here.]
Not Fit to Lead The Iran hearings have shown how the Republican Party can no longer be trusted with the presidency.
Donald Trump Said It's "Disgusting" to Pump Milk in Front of Colleagues. So We Found A Lady Who Did.
What Happened at Slate This Week? Aisha Harris rounds up some shocking, informative, and hilarious reads.
What Happens When We Get It Wrong? Slate's Corrections Czar Talks About Our Policy on Errors and Typos.
New York Needs Coyotes Coyotes may be wily, even virtually invisible, but they're changing our cities.
It Took 22 Years for the Women's 1,500-Meters Record to Fall. What's the Fastest Humans Can Possibly Run?


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Home > Press > NanoDynamics Energy Awarded $2.4 Million Contract from DOE For Development of 400-Watt SOFC
NanoDynamics Energy, Inc. announced today that it has received a 15-month, $2.4 million contract from the U.S. Department of Energy (DOE) for the development of a 400-watt solid oxide fuel cell (SOFC). The SOFC will be designed to operate on a variety of fuels, including hydrogen and methane gas.
The contract continues funding of a project begun in 2006 with the DOE's Biomass program, under which NanoDynamics Energy developed a process to fabricate a single tubular cell capable of generating in excess of 20 watts. These cells were then tested and assessed for performance on a variety of fuels, including hydrogen, methane and biogas fuels.
"As off-gas from waste treatment plants can vary widely in composition, and is subsequently considered a fairly low-quality fuel source, we tested the performance of our cells on a variety of gas compositions and found that across the board they could maintain relatively stable and efficient performance," said Dr. Caine Finnerty, vice president of energy products at NanoDynamics Energy. "These tests helped further demonstrate the feasibility of using low-quality fuels in SOFCs, and allowed us to advance our initial single-cell success into development of a small three-cell stack capable of operating on hydrogen, waste gas and propane. This stack produced more than a 60-watt output on each of the fuels tested, and further underscored the inherent real-world advantages of SOFC technology."
"We are enthusiastic to continue our work with the Department of Energy in advancing the development of a higher-output SOFC that can operate on numerous conventional and alternative fuel types," said John Ruberto, president of NanoDynamics Energy Inc. "This new contract will fund efforts to bundle the previously developed SOFCs into a 400-watt demonstration unit via a cost-effective manufacturing approach suitable for future scaling to larger systems. The unit will also be designed to operate on a number of fuel types, including hydrogen and biofuels."
About NanoDynamics, Inc.
Headquartered in Buffalo, N.Y., NanoDynamics, Inc. develops and commercializes technologies, materials and products that provide clean technology solutions for today's global challenges, with a principal focus on the application of nanotechnology-enabled solutions in the energy, environment, and infrastructure markets.
For more information, please click here
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text:
Alternative Titles
Synonyms: Figure 17 - Tsubasa and Hikaru
Japanese: フィギュア17 つばさ&ヒカル
Type: TV
Episodes: 13
Status: Finished Airing
Aired: May 27, 2001 to May 26, 2002
Producers: Bandai Visual, Oriental Light and Magic, Genco, MediaNet, Media BlastersL
Genres: Sci-Fi, Slice of Life
Duration: 47 min. per episode
Rating: PG-13 - Teens 13 or olderL represents licensing company
Score: 7.351 (scored by 1736 users)
Ranked: #19982
Popularity: #3104
Members: 5,277
Favorites: 27
1 indicates a weighted score. Please note that 'Not yet aired' titles are excluded.
2 based on the top anime page. Please note that 'Not yet aired' and 'R18+' titles are excluded.