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Topic: Germany Bundesliga picks 21-24/4
Freiburg vs Hannover
Freiburg have 1-0-2 on their last three home games while Hannover have 0-1-2 on their last three away games.
Over 2.5 goals.
Frankfurt vs Bayern
Bayern have improved recently and should have a good chance at beating Frankfurt in this one.
Bayern win.
Leverkusen vs Hoffenheim
Leverkusen have been outstanding recently and I expect them to be able to beat Hoffenheim in this one at home.
Leverkusen win.
Schalke vs Kaiserslautern
Schalke have very strong home form, but they face a team in Kaiserslautern who have been impressive in their recent away games.
St Pauli vs Bremen
St Pauli are at the bottom of the form table and Werder Bremen have been very strong in their recent away games.
Bremen win.
Stuttgart vs Hamburger
Stuttgart have 1-1-1 on their last three home games and with the away form Hamburger SV have shown I expect a home win in this one.
Stuttgart win.
Moenchengladbach vs Dortmund
Moenchengladbach have 2-0-1 on their last three home games while Dortmund have 1-1-1 on their last three away games.
Over 2.5 goals.
Wolfsburg vs Koln
Wolfsburg have been very weak recently but Koln have been very poor in their recent away games. The hosts should be able to win this one.
Over 2.5 goals.
Nurnberg vs Mainz
Nurnberg have been pritty decent recently, but Mainz are not too weak away and I expect this to be a close one.
Over 2.5 goals.


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Los Angeles, United States14 noviembre 2012 - 15 noviembre 2012
Forrester Customer Experience LA
At this event, we'll confront a new imperative: creating and nurturing a system of interdependent, self-reinforcing practices that align internal employees and external partners — and the processes, policies, and technology that enable them to do their jobs — around customers.
This is not just the same old "focus on the customer" message. It requires a new way to manage companies, looking deep into every process and incentive to see whether it supports the overall goal: to deliver a great customer experience.

subset: commoncrawl


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All the fun of the circus is coming to Port Arthur for one day only as part of Ten Days on the Island festival in March 2013.
In a dazzling display of physical agility, Australian performance troupe Circa will literally perform 21 circus acts in 20 minutes.
"It all moves at break-neck speed, no two routines are the same, and you're pretty much guaranteed to feel like you're out of shape afterwards. Brilliant." NBC New York
Their head-shaking, furious acrobatics is spell binding, leaving its audience questioning the limits of physical flexibility. But set against a ticking clock this is magic and entertainment revved to the limits.
Its young team who fly, twist, tumble and contort themselves into a knot of limbs is regarded as one of the country's greatest exports, having entertained 180,000 people in 13 countries in 2011 alone.
Almost embracing pantomime, the three young acrobats race against the clock before leaping to an awaiting vehicle that whisks them to the next stop. This show is as much a challenge to their audience as to those on stage.
Access to the performance is included in the cost of Site entry. Make it a picnic to remember with our gourmet barbecue - the Port Arthur catering team will be there with the famous gourmet barbecue, so make a day of it and bring the family.
Circa at Port Arthur
Sunday 17 March 2013 12.30 & 2pm
This performance is presented by Ten Days on the Island and proudly supported by the Port Arthur Historic Site Management Authority.
Special discount festival entry rates apply when you book through www.tendaysontheisland.com
More information: www.portarthur.org.au/tendays
Physical theatre troupe Circa will perform at Port Arthur as part of Ten Days on the Island in March
Circa will amaze with they physical feats at Port Arthur
© 2010-2011 This page was produced by the Port Arthur Historic Site Management Authority.
Use of this website is subject to our disclaimer and copyright notice. This is our Customer Service Charter.
This page www.portarthur.org.au/index.aspx?base=5558 was last updated Thursday, 1 April 2010.


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—(1) A company shall as from the date of its incorporation have a registered office within Singapore to which all communications and notices may be addressed and which shall be open and accessible to the public for not less than 3 hours during ordinary business hours on each business day.
(2) If default is made in complying with subsection (1), the company and every officer of the company who is in default shall be guilty of an offence and shall be liable on conviction to a fine not exceeding $5,000 and also to a default penalty.
[15/84; 13/87]
[UK, 1948, s. 107; Aust., 1961, s. 111]
History for Provision '142 Registered office of company'.
Informal Consolidation
23 February 2009
Act 2 of 2009


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Whether you are a homeowner, land manager or farmer, when you spray an herbicide, you are a pesticide applicator and must follow certain rules.
One of them is the Florida Organo-Auxin Herbicide Rule 5E-2.033. Organo-auxin herbicides can drift onto off-target plants if improperly managed. Tomato plants are especially sensitive to organo-auxin herbicides.
If you use these herbicides, you must take precautions to minimize potential drift. Active ingredients classified as organo-auxin herbicides are 2,4-D; 2,4,5-T; silvex; MCPA; 2,4-DP; MCPP; MCPB; dicamba; and triclopyr.
If you use one of these common herbicides, you must measure the wind speed and direction before you start spraying and do so hourly while spraying. Record and retain this information for areas less than 5 acres in size.
If you spray more than five acres, you must record and retain the following information for at least two years:
●Name and address of the owner, lessee or tenant controlling the land, and the applicator's name and address.
●Site to be treated, site of herbicide mixing and loading area and description of application equipment used.
●Application date and time.
●Trade name, manufacturer, formulation, total amount of product to be applied per acre and amount of the product's active ingredient applied per acre.
●Total acreage and crop or site treated.
●Average hourly wind speed and direction.
●Nozzle type, including gallons-per-minute rating, at specified pressure — usually 40 psi — and spray emission angle if applicable.
Adjust spray equipment to increase the droplet size coming from the sprayer nozzles. The larger the droplet, the less distance it will travel. Application pressures may not exceed 35 pounds per square inch. You must stop spraying if wind speed is more than 10 miles per hour.
This herbicide rule aims to reduce the risk of herbicide drifting onto someone else's commercially produced plants, causing irreparable crop damage.
It's all about being good neighbors.
•Volunteer income tax assistance: VITA sites are open in Crestview at the JobsPlus center on Tuesdays, Wednesdays and Thursdays. Call 689-7823, ext. 219 for an appointment.
•4-H Camp registration: June 10-14, for youths ages 8-12. Cost: $220 per person. Contact Haley Worley, 689-5850 or firstname.lastname@example.com.
Jennifer Bearden is an agent at the Okaloosa County Extension office in Crestview.


text: A quality baby bedding set is essential in making your nursery warm and inviting. All Cotton Tale patterns are made using the finest quality materials and are uniquely designed to create an elegant and sophisticated nursery. The Periwinkle Front Crib Rail Cover Up in Periwinkle and green dot cotton provides a perfect solution for the front rail of babies crib. This Periwinkle rail cover-up protects the foot board on the convertible cribs from teething and scratches while enhancing the crib with color. For the parent choosing not to use a bumper, it can add the needed decor lost when the bumper is removed. It also can be used with a full bumper. All Cotton Tale and N. Selby patterns have crib rail cover-ups. Wash gentle cycle, separate, cold water. Tumble dry low or hang dry. Functional and fun this Periwinkle Crib Rail Front Cover Up is perfect for a girls nursery.


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- ReSharper C++ 1.0 brings code analysis, refactorings, navigation and code generation to C++ developers who use Visual Studio! Try in action!
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ReSharper is an awesome tool. If you're using it you probably agree and if you aren't you should be.
The productivity gains are incredible.


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When you order your $1 Credit Report and FICO® Score here, you will begin your 7-day trial membership in Experian Credit Tracker℠. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
Credit score calculated based on the FICO 8 model. Your lender or insurer may use a different FICO Score than FICO 8, or another type of credit score altogether. Learn More.
Tap here to access your free annual credit report available under federal law.
*The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge.


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I'm quite glad for DC that he's down this much, considering how his organs kicked out on him during the 2008 Olympics cut.
I'm quite glad for DC that he's down this much, considering how his organs kicked out on him during the 2008 Olympics cut.
I just think DC is a very solid fighter who has come out and proven skeptics wrong time and again. No one thought he would be able to handle Bigfoot standing, he was given little chance against Barnett, and many thought Mir would sub him. None of that happened and he clearly dominated each fight. As a matter of fact, I don't think we've even seen him in remote trouble against some of the best guys in the sport.
LHW is a different story and Rashad is a perennial 1-3 LHW who has amazing tools. I hope to see DC tested but I'm not sold on this narrative about how Rashad will be able to both outwrestle and outstrike him. I guess that's why they fight the fights rather than just let us nominate the winners.
You say shark I say hey man, Jaws was never my scene and I don't like Star Wars
Jones Talks Rival Daniel Cormier: 'I really don't like him too much'
It's kind of a no-brainer. Anybody who pays attention to the sport knows who's coming, you know who's deserving. You've got to give Alexander Gustafsson the No. 1 contender spot behind Glover Teixeira. Then with the way Daniel Cormier has been performing, he's top three at the heavyweight division. Lets see how he competes at the light heavyweight division but with the tear he's been on, if he can continue that, it's unquestioned that he deserves a shot, as well.
"I really don't like [Cormier] too much, but right now he's coming across as being good for the sport. He's a really articulate guy. He's doing a lot of broadcasting and commentary. He's a winner and an Olympian. So even though I don't like him, I do respect what he's doing for our sport."
In a recent interview with a CBS Local Radio Station out of Washington D.C., UFC light-heavyweight champion, Jon Jones discussed his ongoing rivalry with UFC heavyweight, turned light-heavyweight, Daniel Cormier.
212 already? Well that wasn't too hard after all . This is definately a good sign for Cormier, if he sticks to his diet he'll be fine. If he continues this gradual cut he'll have more energy come fight night as opposed to sitting in a sauna for hours.
"Without blinking I bitch slapped him right across the face and grabbed him and yelled, "You go out there and beat his ass!!!" Nate "The Rock" Quarry.
"Shit just got real here in the Max!" Michael "The Voice" Schiavello at K-1 World Max Rd of 16 2010, Zambidis vs. Chahid.
Daniel Cormier sees Jon Jones fight happening – but maybe not for UFC title
"If I get through Rashad Evans, I deserve that shot," Cormier said on The Steven Austin Show. "But there's no hype, there's no fight-building, there's just 100 percent truth. One day, he and I will settle that. But I don't even know if it'll be for the belt because if Gustafsson gets his hands back on him, I'm not so sure he can go through that again."
Cormier said the first time he met Jones, their rivalry started. And it has built slowly over time – until starting to pick up steam when Cormier decided to drop from heavyweight to Jones' home at light heavyweight.
"Sometimes two people just don't get along, and that's just how it is," Cormier said. "We've never seen eye to eye, and it just doesn't work out. I mean, the very first time I met the guy, he thought the only way to strike up conversation was to insult me. He's just not very good socially, and that kind of led to that whole thing, but I can't wait to get my hands on him.
"Jon and I will never be friends. We don't talk to each other. We steer clear of each other because we know that when that cage door closes, the time that him and I are in there, then we'll make some magic. Then it will be magic. When you watch me and Jon Jones stand across the cage from one another, it's going to be magic. I can't wait for that day."
Cormier was cordial about his rivalry with Jones – with one exception: "We still don't like Jon Jones. He's an a–hole," Cormier told Austin.
But when looking at his potential future adversary, Cormier said Jones' first fight with Gustafsson may have hurt him in the long term.
"I think the effects of that fight are taking a bigger toll on Jon Jones than it did on Alexander Gustafsson," he said. "Gustafsson was right away ready to get back in the cage with him. Jon said, 'Nope, I'm going to fight somebody else.' So Gustafsson moved on to the next man and then scheduled a fight, whereas Jon had three scheduled, and they had to reschedule them because I think there's a little bit of questions in his head."
Am I crazy or is DC the first Contender dropping a weight class without losing?
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Latest News
Current Season
KT Sullivan - Colored Lights
7:30pm, August 22, 2014, Mitchell Hall Theater
Considered one of the foremost Cabaret artists in the world, Broadway veteran KT Sullivan is described as "one of the most sensual performers in cabaret; she literally is a treat for all the senses. Her shimmering soprano (itself a rarity in a genre largely populated by altos and tenors) is a delight for the ears."Join us as we welcome Ms. KT Sullivan home for an unforgettable evening of song!
"One of the pleasures of cabaret reviewing over the long haul has been to observe the evolution of KT Sullivan from an effervescent musical comedian into the increasingly fearless and complex singing character actor she is today."
Jimmy Webb in Concert
7:30 pm, November 7, 2014, Mitchell Hall Theater
Over the past 40 years, Jimmy Webb's accomplishments as a composer, arranger, songwriter, and performer have made him a truly iconic figure in the music world. Born in Elk City, Oklahoma, Jimmy Webb is the only artist ever to receive Grammy awards for music, lyrics, and orchestration. Jimmy's name can be found on a staggering number of songwriter halls of fame, lifetime achievement awards, and "best singles of all time" lists. His songs, however, speak for themselves: "By The Time I Get To Phoenix," "Wichita Lineman," "Galveston," and "MacArthur Park," to name just a few.
"He is interested in the work of the great masters from any era, and certainly, Jimmy Webb is a master of this era, of today." Michael Feinstein
Sandi Patty - Broadway Stories
World Premier of Rising Starr - Kay Starr, A Life in Song
7:30 pm, May 16, 2015, Mitchell Hall Theater"Rising Starr: Kay Starr, A Life in Song" is more than a tribute to legendary Oklahoma and Native American singer, Kay Starr. Whether you call it a musical tribute, a memory play, a celebration, a ceremony, a "theatricalization" or all of the above, Rising Starr is a moving evening of story and song. Born on a reservation in Dougherty, Oklahoma, Kay Starr went on to scale the heights of the pop music industry in the 1940s and 1950s. Miss Starr became one of the first vocal crossover artists, singing jazz, pop, and country. Rising Starr features many of Kay's unforgettable hits including "Wheel of Fortune," "The Rock and Roll Waltz," "Half a Photograph," "Side by Side," "Hoop De Doo," "It's a Good Day," "The Man Upstairs," and many more. From the creators of Flipside: The Patti Page Story, Rising Starr promises to be an exciting World Premiere event!
Season Ticket Prices are as follows:
|Lower Orchestra
|Upper Orchestra
|Upper Balcony
|Full Price
Tickets are non-refundable.


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This site is designed to meet the accessibility needs of persons with disabilities. If you do not require this type of campsite, please consider reserving an alternate campsite which is suitable for your camping equipment.
Summer often brings a variety of biting insects, high temperatures and humidity, jellyfish and stingrays and the possibility of hurricanes and flooding. In winter, we may experience a couple of weeks of night-time freezing temperatures. Winter is good sailing and kite-flying weather. Please do not fly kites around power lines. <50 yards to the bathhouse. The playground is 1.5 miles from all campsites 1-119. Please do not tie or hang anything on vegetation- Clothespoles are provided.


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Breaking up with your boyfriend is definitely one of the hardest decisions that you can make in your life. You have to weigh all the possible things that might happen as well as the good and bad things that have been said and done. However, winning your boyfriend back is a bit more difficult than breaking up with him. You may end up feeling stupid in getting him back, and face challenges that require extended effort. How to get your boyfriends back can start by asking your own self with the reasons of the breakup. These questions can be:
- Were you both ready for mature and serious relationship?
- Was it your attitude towards people around him, like his friends, co-workers, or family?
- Did you take the relationship highly serious or did you take him for granted?
There are plenty of questions that might sink in your mind. Just remember that you're the one who broke up and not him. If you have the same circle of friends, you can maximize your time being in contact with him. This will make him feel that you still value his presence. It would be best if you insist to have an eye contact with him to make him feel that you are still interested with him. One of the biggest mistakes that you can do on how to get your boyfriend back is to blame him for the things that he had done wrong. Doing this is not a healthy attitude and you're just pushing him further away from you.
Try to forget the things that he had done wrong and focus on the good things that he had. Remember that you're the one who decided for the break up and the one who is winning him back. Just be patient, and you can talk over things when you finally win him back.


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- Attorney General Brad D. Schimel
- Fighting Crime
- Victim Assistance
- Consumer Protection
- Media Center
- About Department of Justice
- Topical Index
This Google™ translation feature is provided for informational purposes only.
The Office of the Attorney General is unable to guarantee the accuracy of this translation and is therefore not liable for any inaccurate information resulting from the translation application tool.
Please consult with a translator for accuracy if you are relying on the translation or are using this site for official business.Contact the Department of Justice
WISCONSIN RAPIDS Attorney General J.B. Van Hollen, State Representative Marlin Schneider and State Representative Amy Sue Vruwink will be hosting a Law Enforcement and Judicial Roundtable on Thursday, May 7, 2009, at 2:00 p.m. The roundtable will provide law enforcement officials from Wood County opportunities to discuss public safety concerns and other issues of importance to the county with the Attorney General. The roundtable will be held at the Wood County Courthouse Auditorium, 400 Market Street, in Wisconsin Rapids.
The Attorney General will be available for media immediately following the roundtable at 3:30 p.m.
Who: Attorney General J.B. Van Hollen, State Representative Marlin Schneider State Representative Amy Sue Vruwink, community leaders, judges, public safety officials, and local law enforcement.
When: Thursday, May 7, 2009
Roundtable meets at 2:00 p.m.
Where: Wood County Courthouse Auditorium
400 Market Street
Wisconsin Rapids


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text:
Interesting Things
- If you haven't noticed, Jasmine tests are at least twice as fast in Chrome as they are in Firefox. Closing the inspection pane makes it even faster. Be aware that part of the speed is from Chrome's aggressive caching, which can lead to erroneous test results.
- One team is using Backbone's local storage. When they add
model.clear()after every test run, their tests go from 20 seconds to over 100 seconds. Someone suggested the
silent: trueoption, to suppress the
changeevents that
- To avoid bugs in minified JS put semicolons in the right spots. The easiest way to do that is to run a tool like JSLint or JSHint over your code. Add it to your test suite to prevent mistakes.
Ask for Help
- "In IE8 the numbers don't show up on ordered lists if we dynamically create
Or rather, they do, but only after hovering over the list. The common wisdom is that this has been broken in IE for a long time.
- "Our project does some DNS resolution. Is there a preferred way to mock this in tests?"
No suggestions.
- "When replying to an email each email system adds different junk to the message. We're processing those incoming replies. Any standard way to strip out the junk?"
Everyone is using the ugly regex approach. Are there mail gems that handle this?


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Hi ladies,
I have a long distant friend that has a baby in NICU due to prematurity associated with PE pregnancy. This is her 2nd child and he has been in NICU for probably 12 weeks now and they are hopeful he will come home soon. (Her first child was lost due to HELLP.) I was thinking of sending her a preemie purple heart, but having lost a child myself, I know sometimes gifts/words that are given by someone who hasn't *been there* can be hurtful even if they were given with best intentions.
I was wondering what you ladies think of the preemie heart found here? http://preemiehearts.com/heart.html Do you think this is an appropriate gift? There is a teardrop on it as a tribute to preemies that are lost-which I think is beautiful since we both have lost preemies-but will this be more hurtful right now since her little one is still in NICU?
Any advice on this or other gift ideas would be appreciated. (BTW, I hope this isn't hurtful for anyone here.)
? regarding gift for mother of preemie
Are you part of the NICU club? Do you have a child who is still struggling with the effects of being born too soon from preeclampsia? Share your concerns and stories here among parents who have been there.
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Re : ? regarding gift for mother of preemie
Thats very beautiful and I think its a great idea.
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text:
Crocodile Print Bodycon Dress - ONLINE EXCLUSIVE
Style # 207779
AVAILABILITY: Unavailable for immediate shipment.
With side cutouts, just off the shoulder neckline and pop-bright crocodile print, this bebe bodycon dress was made for the dance floor. Try it with a pair of black booties and a leather jacket.
- 92% nylon, 8% spandex
- Center back to hem: 28" (71 cm)
- Lightweight
- Hand wash
- Made in USA
- Model is 5'9" and is wearing a US size S
Rated 0 out of 5
0-0 of 0


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Glass City Beer Fest to slake thirsts March 2Written by Joel Sensenig | Managing Editor | email@example.com
Craft beer devotees will soon pour into the Erie Street Market for the sixth annual Glass City Beer Fest.
The annual fundraiser for two local charities has grown into the largest collection of high-quality beer fans in Northwest Ohio. Slated for 7-11 p.m. March 2, the Glass City Beer Fest assembles 27 breweries under one roof to show off 89 beers to the masses.
The event enters its sixth year as a popular event, with attendance rising from 700 in 2007 to 1,225 in 2011, and proceeds up in that time frame from $8,500 to $21,300.
"We continue to grow," said Carla Wells, executive director of the Northwest Ohio Hemophilia Foundation, which splits Beer Fest proceeds with The Arc of Lucas County. "We grow about 15-20 percent in attendance each year."
In addition to featuring popular national brewers like Samuel Adams, Sierra Nevada, Stone Brewing, Rogue and Goose Island, the event will also have plenty of local flavor, courtesy of Toledo's own Great Black Swamp Brewing Company and Maumee Bay Brewing Co. Great Black Swamp will feature its Sand Piper Golden Ale, Mosquito Red, Bull Frog Stout, Bay Front Pale Ale and Wild Duck IPA, while Maumee Bay will be pouring samples of its appropriately named Glass City Beerfest Blood Orange Imperial Wit, Buckeye Beer, IPA, Dark Heart Cherry Chocolate Porter, Total Eclipse Breakfast Stout and Rye Level DIPA.
Advance tickets are $25 (available at The Andersons stores). Tickets are $30 at the door ($20 for military members, police and firefighters). Admission includes 12 3-ounce pours, with additional pours costing $5 for six. Tasting cards are available to help beer fans keep track of their favorites, as well as ones to avoid.
To help soak up the drinks, City Barbeque will provide pulled pork sandwiches, burgers and fries. Pizza will be available, as will pop and water. The soundtrack for the evening will be provided by 56 Daze.
Bobby DeSeyn, Northwest Ohio sales representative for Cavalier Distributing, is looking forward to his first trip to the Glass City Beer Fest. Cavalier, which distributes only craft and imported beers, is bringing about 25 of its brews to the event.
"We'll be there as support staff, educating pourers about the beers and getting the word out about good beer in Toledo," DeSeyn said. "It's not just about our beer, it's about craft beer, it's about being able to get these awesome beers into Toledo and people to know about them. … People may say, 'I don't know anything about beer.' Well, let's start you with something easy, something that you're somewhat familiar with."
DeSeyn almost sheepishly admits to working for one of the Big Three beers (Budweiser, Miller and Coors) in Wyoming prior to arriving in Toledo last year to work for Cavalier.
"My heart was always in craft beer," he said. "(The Big Three beer) wasn't the most exciting thing to sell."
DeSeyn said he sees signs of a growing craft beer scene in Toledo venues, which the Beer Fest helps highlight.
"There's some really great and positive growth, especially with The Attic on Adams, Swig in Perrysburg, Rocky's Bar on Secor," he said. "They're really picking up and running with this craft beer thing, and a lot of times it's a lot more profitable than selling $2.50 pitchers of Natty Light."
The Northwest Ohio Hemophilia Foundation addresses the needs of individuals and families impacted by bleeding disorders within a 22-county area. The organization provides family networking activities, trips to camp for both youths and adults, a family crisis fund and educational programs and workshops.
The Arc of Lucas County is a nonprofit association made up of people wit developmental disabilities, as well as their families, friends, interested citizens and professionals in the disability field.
The agency provides support and education for families affected by developmental disabilities and advocates for human rights, personal dignity and community participation of individuals with such disabilities.
DeSeyn said the camaraderie among the craft beer population makes events like this special.
"I'm looking forward to meeting a lot of the craft beer community," he said. "That's kind of what it's all about, meeting people that enjoy the same beers that you do."
The Erie Street Market is located at 237 S. Erie St. For more details, call (419) 724-BREW (2739) or visit www.glasscitybeerfest.com.
Tags: Bay Front Pale Ale, Bull Frog Stout, Glass City Beer Fest, Goose Island, Great Black Swamp Brewing Company and Maumee Bay Brewing Co. Great Black Swamp will feature its Sand Piper Golden Ale, Mosquito Red, Rogue, Samuel Adams, Sierra Nevada, Stone Brewing, Wild Duck IPA


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Click Here to Watch the Whole Video in HD at Bait Bus
BaitBus: Straight men getting busy with gay sex.
Ok the Steve and Sunshine are back. There's something weird going on with Steve's hair but it's all good. He got a good lay. Anyway, the gang is talking about the weather, and how it's going to be cold. Moments later, Sunshine shows her pregnant boobs and they are huge. Moving on, they end up in some neighborhood, where they hook a tall dark, and handsome bait named Scott on the pretense of an interview. Well, Scott was ultimately seduced by the boobs, and deceived by the blindfolded blowjob followed by an offer of cash for 15 minutes of ass ramming.
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The Food Lab's Thanksgiving: Crispy Smashed Duck Fat-Fried Potatoes
Unraveling the mysteries of home cooking through science.
Get RecipeCrispy Smashed Potatoes
It's time for another round of The Food Lab. Got a suggestion for an upcoming topic? Email Kenji here, and he'll do his best to answer your queries in a future post. Become a fan of The Food Lab on Facebook or follow it on Twitter for play-by-plays on future kitchen tests and recipe experiments.
As a non-closeted internet addict, I spend an inordinate amount of time on Reddit, where I occasionally like to post a food photo or two just to get a quick gauge of how popular a recipe might be on Serious Eats. If Reddit's 1,718 upvote response to smashed potatoes fried in duck fat is any indication, my family (and hopefully yours) is gonna enjoy eating these pretty immensely on Thanksgiving.
For years, I've been serving Ultra-Crispy Roast Potatoes for all major holidays using a technique I first read about in The River Cottage Cookbook. The idea is simple: boil chunks of potatoes in salted water until they are tender, toss them in a large bowl with some fat using a fork to bash and roughen-up their surfaces, then roast until crisp. The par-cooking and bashing steps are key, as they add surface area to the potato chunks, allowing them to roast up with a thick, ultra-crisp shell. They're crunchier than the best french fry, and packed with great roasted flavor.
Indeed, the only potatoes I've had better are the ones that April Bloomfield serves at the Spotted Pig as a side dish to her roast suckling pig. For those potatoes, she utilizes the same concept—par-boiling and roughing-up—but instead of roasting, follows it up with a deep-fry in duck fat. The results are gloriously golden brown, crisp nuggets with fluffy, potato-y centers. The crisp nooks and crannies around the edges capture that wonderful duck aroma, giving them an almost meaty bite. There are few things in the world that go better together than potatoes and duck fat.
The one issue with April's recipe is that the potatoes say in large, irregular chunks that require a ton of fat in a deep pot to deep-fry properly. To get around that problem, I took a cue from my Colombian wife and her native country's patacónes; crispy plantain disks that are that are par-cooked, smashed flat, then fried again. You'll see them as tostones in other parts of Central and South America.
Rather than starting with chunks or larger potatoes, I use whole new potatoes boiled until soft (any variety will do, though red-skinned varieties will end up more creamy in the center, while yellow or white-skinned varieties will end up fluffier). After smashing them under a frying pan, the skins burst and the flesh spreads around, giving the finished disks some awesomely frayed edges for crisping.
Once flattened like this, they can be fried off in a shallow layer of duck fat (or fine, vegetable oil if you'd like). The key is a slow, gently fry, which gives plenty of time for excess moisture to leave the outer layer of the potatoes, leaving behind an extra-thick crisp crust around them
Pan-frying does limit the number of potatoes you can cook at a time, but the good news is that you can cook them in advance—even refrigerate them overnight—then re-crisp them in a hot oven just before serving. They'll end up just as crisp-on-the-outside creamy-in-the-middle as fresh-fried. It makes last minute prep before the big meal a snap.
Make far more than you think you'll need because these will being disappearing from the kitchen long before you even get them to the table.
Get The Recipe!
Crispy Smashed Potatoes »
Step-by-step Slideshow on Crispy Smashed Potatoes »
About the author: J. Kenji Lopez-Alt is the Chief Creative Officer of Serious Eats where he likes to explore the science of home cooking in his weekly column The Food Lab. You can follow him at @thefoodlab on Twitter, or at The Food Lab on Facebook.


text:
La solicitud de membresia sólo se ofrece en inglés.
Sin embargo, PenFed tiene representantes de servicio bilingües disponibles para
responder a cualquier pregunta que pueda tener y para ayudarle.
Tenemos la intención de desarrollar una versión de la solicitud de membresía en español en los meses que vienen.
Por el momento, si quisiera unirse a PenFed, favor de llamarnos al 800-247-5626 de lunes a Viernes: 7:00 AM – 5:00 PM, tiempo estándar del este.
Además, usted puede clic el botón verde abajo para completar la solicitud de membresía en inglés.
†LTV over
60% generally requires a Loan Level Pricing Adjustment. LLPA varies
dependent upon credit score.
Keep in Mind:
Have these on-hand: previous two
Federal Income Tax Returns, your W2, current pay stub, and banking statements
when you apply.
EDITOR'S NOTE: This article was originally published in the April 2010 issue of Kiplinger's Retirement Report.
Buyers are on a blind date with your home, and they want love at first sight. So make it pretty. Steve Vieux got rid of heaps of stuff -- including things belonging to his brother, who had once been a roommate -- and spent $2,500 to have his house cleaned, the interior repainted, the exterior power-washed, and his tiny yard spruced up.
If time and money allow, replace lighting and plumbing fixtures, cabinetry hardware, and maybe those harvest-gold appliances. The new stuff needn't be top-of-the-line, just clean and current. Agent Janis Morgan advises her clients in San Antonio to add granite countertops to make their kitchens "pop".
Agent Bob Bower of California's Silicon Valley urges sellers to pay for home and termite inspections (about $650 to $750 for both) and fix as much of the little stuff as they can before putting a house on the market. Then he presents the reports and a "work completed" worksheet to buyers, a strategy that he says inspires higher offers.
With the basics taken care of, it's time for staging -- window dressing your home to increase its appeal. Staged homes sell more quickly and at the top of their price range compared with similar homes that aren't staged. Stagers declutter if you haven't, rearrange furniture to improve traffic flow and create a sense of spaciousness, and make your decor less reflective of your personal tastes. If your home is vacant, they bring in furniture so buyers can imagine themselves living there. Home sellers spend an average of $1,800 to stage a home, but the cost can be $5,000 or more. Agents may provide staging as part of their fee.
One bit of good news for sellers: Agents say contractors, including stagers, are anxious for the work. Bower suggests asking for two or three bids and playing them one against the other.
When you're ready to show, "pretend you're giving a party," says Morgan. Hide the cat box, don't leave the bed unmade or laundry on the floor, and open the curtains and leave all the lights on.
EDITOR'S NOTE: This article was originally published in the July 2010 issue of Kiplinger's Retirement Report.
Insurance for replacement value of your home's structure is listed under "dwelling limit," or Coverage A, on your policy. Structures not physically attached (such as garages, decks and fences) are listed under Coverage B and are usually insured for about 10% of the dwelling limit.
You need coverage for full replacement cost, not actual value, of your home and possessions. A building contractor can estimate the cost to rebuild (typically from $180 to $350 per square foot). Multiply the total square footage of your home (not just living space) by the estimated construction cost. Add at least 15% to 20% to account for future price increases. Or use the calculator at AccuCoverage.com ($7.95 per report).
Policies often include a limit of $300,000, but you'd be better off with coverage equal to one to two times your net worth. Purchase an umbrella policy for extra protection.
Make sure you have enough for rent and other expenses after a total loss (Coverage D, also known as additional living expense or loss-of-use coverage). Insurers usually include coverage equal to 20% of your dwelling limit, which expires within 12 to 24 months, even if you haven't hit the max. You need two years' worth of coverage.
Personal possessions (Coverage C) are usually set at 50% to 75% of the dwelling limit. Use the Insurance Information Institute's free online tool at www.knowyourstuff.org to take an inventory and store it (along with photos) online. You should also print the report and store it in a fireproof safe or bank safe-deposit box.
Policies usually set limits of $1,000 to $2,500 per category, such as jewelry, silverware, guns, fine art, musical instruments and wine. You can buy riders to increase coverage. Even if your policy's limit is higher -- say, $5,000 -- it may have a lower limit (perhaps $2,000) for any individual item.
Standard policies typically cover wind damage from hurricanes and windstorms, but not damage from sewer backups, floods or earthquakes.
EDITOR'S NOTE: This article was originally published in the April 2010 issue of Kiplinger's Retirement Report.
You hope to sell fast for top dollar. Reality check: You'll probably have to compromise -- with a price that not only satisfies you but also attracts the right buyers and won't exceed the market value determined by your buyer's appraiser.
Agents don't pull a list price out of thin air. To begin homing in on the best price, you should expect that your agent will look at recent sales of homes similar to yours, current listings and pending sales.
For example, agent Patricia Vucich says that she usually looks for at least three sales of comparable houses that have closed within the past 90 days. If the pool of sales is small, she checks the county tax records for sales that weren't reported on the regional multiple listing service, such as ones in which a neighbor sold to a neighbor.
If short sales or foreclosures are prevalent in your market, your agent may also factor in their prices. However, given that these houses are often sold in poor condition, their sale prices may not have much of an effect on the pricing of your home, if it's in good shape.
Based on their research, agents will develop a price range for your home. Whether you start at the top, midpoint or bottom of the range is a decision that depends on how quickly you need to sell.
If you start a little lower than your competition, you'll generate traffic, and you can always say no to unacceptable offers. But don't start at the very bottom. Instead, build in room for negotiation so you can come down in price, if needed. "Buyers like to feel as if they have won," says Janis Morgan, the San Antonio agent. Padding the price a bit is especially important if you haven't already reduced the price for deficiencies -- say, an outdated kitchen or a poor location.
If you start too high, you may have few nibbles. Says Kris Berg, an agent in San Diego: "Today's buyers want either the cheapest house on the block, even if it's falling-down ugly, or the Taj Mahal with everything they couldn't buy back in 2005, and for 20% less." Can you charge more for a cream puff? Yes, but not as much as you think.
If you're selling an entry-level home that will attract first-time buyers, you can anticipate that they will want help with their closing costs, which usually amount to 3% to 6% of the purchase price. So you may want to price it a bit higher to start. Keep in mind, though, that a buyer using conforming financing (backed by Freddie Mac or Fannie Mae) or a Federal Housing Administration loan can apply the home buyer's tax credit toward closing costs.
Steve Vieux imagined listing his Silver Spring house for $300,000, but the analysis provided by his agent suggested $240,000. Once his agent realized that Vieux's buyer would probably be a first-timer, they bumped up the list price to $248,500, then agreed to pay the buyer's closing costs of $7,455.
EDITOR'S NOTE: This article was originally published in the Sept. 2010 issue of Kiplinger's Retirement Report.
If you are in the market for a second home, congratulations! Not only can you look forward to having a place to relax, you also can garner some tax benefits for that place in the mountains or at the beach. You can use several tax breaks:
Mortgage interest. If you use the place as a second home -- rather than renting it out as a business property -- interest on the mortgage is deductible just as interest on the mortgage on your first home is. You can write off 100% of the interest you pay on up to $1.1 million of debt secured by your first and second homes and used to acquire or improve the properties. (That's a total of $1.1 million of debt, not $1.1 million on each home.) The rules that apply if you rent the place out are discussed later. Property taxes. You can deduct property taxes on your second home, too. In fact, unlike the mortgage interest rule, you can deduct property taxes paid on any number of homes you own.
Lots of second-home buyers rent their property part of the year to get others to help pay the bills. Very different tax rules apply depending on the breakdown between personal and rental use. If you rent the place out for 14 or fewer days during the year, you can pocket the cash tax-free. Even if you're charging $10,000 a week, the IRS doesn't want to hear about it. The house is considered a personal residence, so you deduct mortgage interest and property taxes just as you do for your principal home.
Rent for more than 14 days, though, and you must report all rental income. You also get to deduct rental expenses, and that gets complicated because you need to allocate costs between the time the property is used for personal purposes and the time it is rented.
If you and your family use a beach house for 30 days during the year and it's rented for 120 days, 80% (120 divided by 150) of your mortgage interest and property taxes, insurance premiums, utilities and other costs would be rental expenses. The entire amount you pay a property manager would be deductible, too. And you could claim depreciation deductions based on 80% of the value of the house. If a house is worth $200,000 (not counting the value of the land) and you're depreciating 80%, a full year's depreciation deduction would be $5,800. You can always deduct expenses up to the level of rental income you report. But what if costs exceed what you take in? Whether a loss can shelter other income depends on two things: how much you use the property yourself and how high your income is.
If you use the place more than 14 days, or more than 10% of the number of days it is rented -- whichever is more -- it is considered a personal residence and the loss can't be deducted. (But because it is a personal residence, the interest that doesn't count as a rental expense -- 20% in our example -- can be deducted as a personal expense.)
If you limit personal use to 14 days or 10%, the vacation home is considered a business and up to $25,000 in losses might be deductible each year. That's why lots of vacation homeowners hold down leisure use and spend lots of time "maintaining" the property. Fix-up days don't count as personal use. The tax savings from the loss (up to $7,000 a year if you're in the 28% tax bracket) help pay for the vacation home. Unfortunately, holding down personal use means forfeiting the write-off for the portion of mortgage interest that fails to qualify as either a rental or personal-residence expense.
We say such losses might be deductible because real estate losses are considered "passive losses" by the tax law. And, passive losses are generally not deductible. But, there's an exception that might protect you. If your adjusted gross income (AGI) is less than $100,000, up to $25,000 of such losses can be deducted each year to offset income such as your salary. (AGI is basically income before subtracting your exemptions and deductions.) As income rises between $100,000 and $150,000, however, that $25,000 allowance disappears. Passive losses you can't deduct can be stored up and used to offset taxable profit when you ultimately sell the vacation house.
Tax-free profit. Although the rule that allows home owners to take up to $500,000 of profit tax-free applies only to your principal residence, there is a way to extend the break to your second home: make it your principal residence before you sell. That's not as wacky as it might sound. Nor is it as lucrative as it used to be.
Some retirees, for example, are selling the big family home and moving full time into what had been their vacation home. Before 2009, this had a very special tax appeal. Once you live in that home for two years, up to $500,000 of profit could be tax free – including appreciation in value during the years it was your second home. (Any profit attributable to depreciation while you rented the place, though, would be taxable. Depreciation reduces your tax basis in the property and therefore increases profit dollar for dollar.)
Congress cracked down on this break for taxpayers who covert a second home to a principal residence after 2008. A portion of the gain on a subsequent sale of the home is ineligible for the home-sale exclusion of up to $500,000, even if the seller meets the two-year ownership and use tests. The portion of the profit that's subject to tax is based on the ratio of the time after 2008 when the house was a second home or a rental unit to the total time you owned it. This can still be a great deal if you've owned your second home for many years before the law changed.
Let's say you have owned a vacation home for 18 years and make it your main residence in 2011. Two years later, you sell the place. Since the two years after 2008 the place was your second home (2009 and 2010) is 10% of the 20 years you owned the home, only 10% of the gain is taxed. The rest qualifies for the exclusion of up to $500,000.
EDITOR'S NOTE: This article was originally published in the Aug. 2010 issue of Kiplinger's Retirement Report.
Flood insurance doesn't grab the headlines like, say, health-care reform does. Yet it's got all the elements of a front-burner issue. Inland homeowners caught by surprise by the recent deluges in Tennessee and New England are angry that they weren't sold flood insurance, while communities across the country are up in arms as new flood maps sweep them into insurance-required zones.
Meanwhile, questions swirl about the future solvency of the federal government-run insurance program, which covers 5.5 million properties. Intended to be supported by policy premiums, it now owes Uncle Sam almost $19 billion. And although Washington politicians debate badly needed long-term reforms, the program limps along on successive rounds of short-term funding. In the past year, the National Flood Insurance Program has lapsed (meaning no policies could be sold) three times. The most recent interruption came in June, just as hurricane season opened with forecasters calling for three to seven major storms this year.
Don't be put off by all the noise. This is a great time to consider flood insurance. Flooding isn't covered by most homeowners policies, and insurance may be more affordable than you think -- especially given the high cost of fixing flood damage. You must carry flood insurance if you have a federally backed mortgage and your home is in a high-risk zone -- defined as having a 26% chance of flooding within a 30-year period, or 1% annually. Flood insurance is optional if you don't have a mortgage or you live in a less risky area, but it's an option you should consider because 25% of all flood claims are made in areas of low to moderate risk.
Even though the flood-insurance program is run by the feds, you purchase a policy through an insurance agent at one of some 90 companies nationwide, including Allstate, State Farm and USAA. Your community must participate in the NFIP (more than 20,000 do). You don't have to comparison-shop because the rates are set by Uncle Sam (see estimated premiums and find an agent at www.floodsmart.gov).
A home that's in a low-risk zone may qualify for a preferred rate, with annual premiums ranging from $119 to $395 to protect both the home and its contents, depending on how much coverage you buy. Standard rates in a high-risk area start at $477 and go up to $2,633 a year. Coverage for basements is limited. You can insure your home for up to $250,000 and its contents for up to $100,000; renters can buy contents-only coverage. If you want insurance beyond what the NFIP provides, you must buy "excess" coverage from a private insurer, such as Fireman's Fund or Chubb.
Don't be upset if an updated flood map draws you into a higher-risk zone. A bigger worry is that an outdated map might conceal your true risk. (You can see whether your map is scheduled for review or has recently been updated at www.floodsmart.gov.) Buy a policy before the new map becomes effective, which can take a few weeks to several months, and you'll lock in the lower rates associated with the lower-risk zone. Don't wait until you hear raindrops on the roof: Policies take 30 days to go into effect.
Hurricane Earl that is battering the East Coast is a good reminder to us all that it pays to be prepared for disasters of all kinds. Here are several steps you should take to make sure you and your finances can withstand an emergency.
Fund your emergency fund. Set aside enough cash to cover several months of expenses' and pay for any insurance gaps or deductibles. If a natural disaster strikes -- or if you lose a job or face any other challenges -- this fund will tide you over until you can get back on your feet. Avoid locking the money up in certificates of deposit or stocks. Your emergency money should be there when you need it. See How Much Cash You Really Need for help figuring out how much to set aside.
Check your homeowners and renters insurance. Although standard homeowners insurance will protect you if a major storm hits, it will not provide flood or earthquake protection. Homeowners and renters can buy added coverage for these disasters. Also make sure you have an inventory of your possessions to make the claims process easier.
Buy life insurance. Generally, you should consider enough life insurance to replace your income -- short-term and long-term -- if you die. See How Much Life Insurance Do You Need? for help figuring out how much coverage to get.
Purchase disability insurance. Most people get some level of disability coverage through their jobs, but these policies usually cover only 60% of your salary if you get sick or injured and are unable to work. You can increase your coverage by buying your own policy. See Why You Need Disability Insurance.
Gather important documents. A will provides the ultimate insurance, by outlining how your finances will be handled after your death (see Six Steps to a Good Will). You also should have a living will to explain your wishes about life-sustaining medical care if you become terminally ill and are unable to speak for yourself. Other documents you might need to claim benefits and ensure your financial security include:
-- Birth certificates-- Citizenship and adoption papers-- Marriage license and divorce papers-- Social security card-- Insurance policies (You must have the original life insurance policy to claim benefits.)-- Medical records and information-- Deeds to property, automobile titles, mortgage papers, leases-- Military records-- Investment records
Keep the documents listed above in a fire-resistant home safe or lock box. However, do not keep wills in a safe deposit box. It can be difficult for family members to gain access and might require court supervision to open. Keep a copy in your home safe or at your attorney's office. The original usually is kept with the county registrar of wills.
Create a portable survival kit. There may come a time when you have to leave your home quickly. Creating a portable survival kit with food, water and supplies to last at least three days will help hold you over until your situation stabilizes or help arrives. You can pack your own, or you can buy a basic, pre-made kit for a family of four at The Red Cross Shop for $89.
Stock up. FEMA recommends that you keep enough food and water in your home to sustain your family at least two weeks. Buy canned goods, dry mixes and other foods that store well. (Don't forget a manual can opener and a camping stove, in case you lose electricity.) To build your stash, purchase a few extra items each time you go to the store, or buy a little more when favorites go on sale.
30-Year Fixed Mortgage Payment Example: The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $250,000 and an estimated property value of $350,000. The property is located in Alexandria, VA and is within Fairfax County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account may be required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.750% interest rate, the APR for this loan type is 3.851% based on 0 points. The monthly payment schedule would be 359 payments of $1,157.79 and 1 payment for $1,157.31 at an interest rate of 3.750%. Payments shown do not include taxes or insurance escrows; actual payments may be greater. NOTE: A 1% origination fee applies to this loan. The origination fee may be waived by adding 0.25% to the selected rate. The application of points will be determined by the loan to value (LTV) ratio combined with certain representative credit scores. Points also apply to certain cash-out refinance transactions, certain condominium transactions, and some transactions with subordinate financing that will reflect on the Good Faith Estimate and/or Settlement Statement. For purchase transactions, the rate cannot be locked until PenFed has received a ratified purchase agreement. Points are the responsibility of the borrower and not covered in promotions.
30-Year Fixed Jumbo Mortgage Payment Example: The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $600,000 and an estimated property value of $750,000. The property is located in Alexandria, VA and is within Fairfax County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account may be required. The rate lock period is 60 days and the assumed credit score is 740. At a 4.000% interest rate, the APR for this loan type is 4.091% based on 0 points. Other rates and terms available. The monthly payment schedule would be 359 payments of $2,864.49 and 1 payment of $2,865.21 at an interest rate of 4.000%. Payments shown do not include taxes or insurance escrows; actual payments may be greater. NOTE: A 1% origination fee applies to this loan. The origination fee may be waived by adding 0.25% to the selected rate.The application of points will be determined by the loan to value (LTV) ratio combined with certain representative credit scores. Points also apply to certain cash-out refinance transactions, certain condominium transactions, and some transactions with subordinate financing that will reflect on the Good Faith Estimate and/or Settlement Statement. For purchase transactions, the rate cannot be locked until PenFed has received a ratified purchase agreement. Points are the responsibility of the borrower and not covered in promotions. The 30-Year fixed rate jumbo loan (loan amounts greater than $417,000) is available only for purchases and refinances.
15/15 ARM: Available on purchases and refinances. Not available for applications without a property address (pre-purchase). The initial rate is fixed for 15 years/180 months. When the rate adjusts, your new rate will be the then current index (weekly average yield on US Treasury securities adjusted to a constant maturity of 10 years) plus a margin of one percentage (1.000%) point, rounding to the nearest one-eighth (0.125%). The new rate cannot exceed six percent (6.000%) above the initial rate or cannot be lower than the floor rate of one percent (1%). The maximum loan-to-value (LTV) 15/15 ARMs is 80% combined loan-to-value (CLTV) is 95%.
15/15 ARM Mortgage Payment Example: The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $125,000. The property is located in Alexandria, VA and is within Fairfax County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account may be required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.500% interest rate, the APR for this loan type is 3.603% based on 0 points, other rates and terms available. The monthly payment schedule would be $449.04 for the first 180 months at an interest rate of 3.500% and $445.21 for the next 180 months at an interest rate of 3.375%. Payments shown do not include taxes or insurance escrows; actual payments may be greater. NOTE: A 1% origination fee applies to this loan. The origination fee may be waived by adding 0.25% to the selected rate. The application of points will be determined by the loan to value (LTV) ratio. Points are the responsibility of the borrower and not covered in promotions.
Investment properties not eligible for offers.
Conforming Mortgages: For loan amounts from $25,000 to $417,000 (Loan amounts up to $625,500 are available in Alaska and Hawaii). The maximum combined loan- to-value (CLTV) is 95%; 80% LTV and above are subject to private mortgage insurance (PMI). The maximum LTV and CLTV for condominiums is 80%. The maximum loan –to –value (LTV) for 15/15 ARMs is 80% and combined loan-to-value (CLTV) is 95%.
Jumbo Mortgages: For loan amounts above $417,000 to $750,000 (Loan amounts from $625,500 to $750,000 are available in Alaska and Hawaii). The maximum loan-to-value (LTV) is 80% and the maximum combined loan-to-value (CLTV) is 90%. The maximum LTV and CLTV for condominiums is 80%.
Super Jumbo Mortgages: For loan amounts above $750,000. 5/5 ARMs up to $4 million and Fixed Loans up to $2 million. The maximum loan-to-value (LTV) and combined loan-to-value (CLTV) is 80%. In DC, MD and VA only, the maximum LTV and CLTV for condominiums as a primary residence is 80%. The LTV and CLTV in all other states for condominiums is 75%. The LTV and CLTV for second home condominiums is 70% in all states.
5/5 ARMs – Offer available for purchases or refinances. The initial rate can change every 5 years by no more than 2 percentage points up or down, never to exceed 5 percentage points above the initial rate. When the rate adjusts, your new rate will be the then current index plus margin, which is currently set to 2.00 for the new products, as long as it does not exceed the 2% adjustment cap.
5/1 ARMs - Offer available for purchases and refinances. The initial rate can change after 5 years by no more than 2 percentage points up or down. After the initial rate change, the rate will adjust annually by no more than 2 percentage points up or down, never to exceed 5 percentage points above the initial rate. When the rate adjusts, your new rate will be the then current index plus margin, which is currently set at 2.875% for the new products as long as it does not exceed the 2% adjustment cap.
All Mortgage Programs: The application of points will be determined by the loan-to- value (LTV) ratio combined with certain representative credit scores. Points also apply to certain cash-out refinance transactions, certain condominium transactions, and some transactions with subordinate financing.
Origination fee may apply to certain programs. The origination fee may be waived by adding 0.25% to the selected rate.
¹PenFed 1% origination fee waived as limited time offer on VA loans. Applicant is still responsible for VA funding fee.
** For purchase transactions, the rate cannot be locked until PenFed has received a ratified purchase agreement.
The applicant is responsible for the following fees and costs at the time of closing. Origination fee, appraisal fee, tax service fee, CLO access fee, title fees, transfer tax fees, credit report fee, flood cert fee, recording fee, survey if required and work verification fee, escrow reserves and interest due until first payment, other cost may be included due to program specific circumstances. This is not intended to be an all-inclusive list.
Escrows may be waived if LTV is 80% or less in all states.
PenFed may require minimum liquid financial reserves available to the borrower after the mortgage closes equal to 1 to 6 months full payments including principal, interest, homeowner's insurance, property taxes, mortgage insurance and homeowner association dues (PITIA). For loan amounts in excess of $750,000, 12 months PITIA minimum verified liquid reserves required.Additional reserves may be required under the following circumstances:
• Current Principal Residence pending sale or converted to 2nd home or investment property - 30% or more equity in current principal residence: 2 months PITIA subject property, plus 2 months PITIA on current principal residence. - Less than 30% equity in current principal residence: 6 months PITIA subject property, plus 6 months PITIA on current principal residence. • Second Home or Investment Property - 1-4 Finance Properties owned: 2 months PITIA on each financed property. - 5-10 Financed Properties: 6 months PITIA on each financed property.• Loan Amount greater than $750,000 minimum verified reserves equal to 12 months PITIA on subject property
If a loan is withdrawn, the applicant may not reapply for at least 90 days from the date the application was withdrawn.
All above disclosures apply to non-Veteran's Administration (VA) loans. VA loans have different guidelines and eligibility requirements.
All rates and offers are in effect as of August 2015 offered for a limited time and subject to change without notice. Other restrictions may apply. Contact your PenFed mortgage consultant for any applicable additional restrictions and details about your loan. To receive any advertised product you must become a member of PenFed by opening a share (savings) account. Federally insured by the NCUA.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
This credit union is federally insured by the National Credit Union Administration. Rates are current as of August 2015 unless otherwise noted and are subject to change. APY = Annual Percentage Yield APR = Annual Percentage Rate©2015 Pentagon Federal Credit Union
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When you start dating, Valentine's Day is pretty easy. But once kids enter the scene? Well, it's not hard for intimacy to take a back seat. And when you're on a budget, date night can be an even bigger challenge. The good news is that it's really easy to stay within your budget and celebrate… [read more]
How to Spice Up Date Night (While Sticking to your Budget) #ad
January 20, 2014 by 20 Comments
July 27, 2011 by Leave a Comment


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Welcome to Heritage Genealogy. We are professional genealogy researchers dedicated to helping you with any of your genealogy or family history research requirements, family trees, genealogical reports, ancestor or descendant charts etc.
Whether you need just a little help to get started, or wish to leave your lineage on record for all time, we are ready to undertake the research. All our work is evidenced and sources documented.
We are very happy to talk to you about your needs - and don't worry if you are not sure what you really need us to do, we can soon sort things out and explain how it all works.
We undertake genealogical and family history research work all over the UK, but since we are based in the South of England, most of our work is in Kent, Surrey, Berkshire and Hampshire with lots of forays into Herefordshire,Breconshire, Devon, Somerset and Wales


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Confidential services, including non-medical counseling and specialty consultations, are available through Military OneSource. Eligible individuals may receive confidential services at no cost. Check eligibility. International Calling Options.
Log in to your Military OneSource account to access online counseling services.
Click here to access confidential non-medical counseling and resources to balance and improve work performance and overall health.
In July, Military OneSource can help you be ready for change.
If you would like to become a blogger for Blog Brigade, click the link below to find out how!.
For many military parents, finding a safe and fun environment for their school-age children is a priority. The military's youth and teen programs help fill the gap in a family's care needs during summer break, holidays, and before-and after-school hours. Programs vary by service branch and installation, but most installations have a program for school-age children, as well as a youth center with organized activities.
Active-duty service members, including activated Guard and Reserve members, and Department of Defense civilians can take advantage of programs for youth and teens. Children ages 12 years and older, while more independent, still need structure and age-appropriate activities. Youth and teen programs on the installation can help parents find activities, field trips and other events geared toward older children. Although the programs vary from one installation to another, many installations have youth centers, which offer classes, sponsored events and a safe place to hang out.
The installation's youth center is a great place for children and teens to relax, have fun, do homework and meet new people. Every youth center is different. Even if your children did not spend a lot of time at the center where you previously lived, encourage them to give your new installation's center a try. It may offer things your old youth center didn't. Regardless of your children's interests, they are bound to find something to do there. Here is a sampling of what your youth center may offer your school-age children:
Although not generally located on a military installation, these organizations offer services - in the form of before- and after-school care, camps or special programs - to military youth and teenagers. They can be especially valuable to activated Guard and reserve families, or active-duty families who live far from standard installation services.
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Service members, family members, surviving family members, service providers and leaders rely on Military OneSource for policy, procedures, timely articles, cutting-edge social media tools and support. All in one place, empowering our military community.
Release 06.30.15.1.220.127.116.11.7


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Until Google manages to gather Street View imagery for the entire world, there's a big opportunity for other companies to offer a similar service.
Norc is a street-view service created by the Romanian company eXtreme Soft Group, which covers cities from 5 European countries:
* Austria: Wien
* Czech Republic: Prague, Brno
* Poland: Warsaw, Krakow, Poznan, Wroclaw
* Slovakia: Bratislava, Trnava, Kosice, Banska-Bystrica, Zilina, Nitr
* Romania: Bucureşti, Ploieşti, Constanţa, Braşov, Cluj-Napoca, Timişoara, Iaşi, Sibiu, Piteşti, Târgovişte
Norc uses Google Maps API to let you find a location, but the search feature doesn't offer good results. Maximize the Street View window to better see the panoramic images and use the arrows to navigate.
If you know other services inspired by Google Street View that have a significant coverage, post their links in the comments.
{ Thank you, Vasile. }
Introducing the Search Analytics API
1 hour ago


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i like images to be simple, interesting and often from a slightly different viewpoint to the norm. let me know if you share my view.
"onwards and upwards!"
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Southern Memory, Southern Monuments, and the Subversive Black Mammy
Southern Memory, Southern Monuments, and the Subversive Black Mammy
|Part 1. Wallace-Sanders frames the question of memorializing mammies with images of the real women who were obscured in discussions of monuments to the mammy figure. She comments on a series of photographs of African American women with white children, moving through the images as she speaks.
|Part 2. Wallace-Sanders explores the Lost Cause desire for a monument to the black mammy figure. She discusses the Faithful Slave Monument in Fort Mill, SC, and the Confederate Monument at Arlington National Cemetery, which she compares, along with other mammy statues, to "Forever Free," a sculpture by Sargent Johnson. She addresses 1911 plans for the Black Mammy Memorial Institute in Athens, GA, slated as a monument and domestic training school for African-Americans.
|Part 3. Wallace-Sanders examines two texts that complicate the idealized notion of mammy as faithful retainer. "Mammy, A Story" from The Crisis presents a mammy turned killer by her grief over the loss of her own child. Charlotte Perkins Brown's "Mammy, An appeal to the heart of the South" calls for white women to honor mammies not with monuments but better working conditions and wages.
|Part 4. Wallace-Sanders looks at artists' responses to mammy memorialization. Two 1923 political cartoons directly address national mammy memorial proposals: one using the memorial discussion to call for anti-lynching laws and the other to call for fair wages and working conditions. The Black Arts Movement also pushes against the idealized black mammy figure, particularly Joyce Scott's Mammy/Nanny series. These images present a subversive mammy figure. She ends the lecture by silently showing the photographs she began with. (See the slideshow after Part 1.)
Question and Answer
|Wallace-Sanders responds to questions about the photographs she uses, the proposed Mammy Memorial Institute, the political responses to the proposed mammy memorial in Washington DC, and the mammy figure within Lost Cause discourse.
About Kimberly Wallace-Sanders
Recommended Resources
Print Materials
Black Mammy Memorial Institute. The Black Mammy Memorial or peace monument, Athens, Georgia. Athens, GA: Banner Printery, ca. 1910. Located in the Manuscripts, Archives, and Rare Books Library at Emory University.
Brown, Charlotte Hawkins. An Appeal to the Heart of the South; and The Correct Thing to Do--To Say--To Wear. New York: G.K. Hall, 1995.
Johnson, Joan Marie. "Ye Gave Them a Stone": African American Women's Clubs, the Frederick Douglas Home, and the Black Mammy Monument." Journal of Women's History 17.1 (2005): 62-86.
Lefalle-Collins, Lizzetta. "Memories of Mammy." Art and the Performance of Memory: Sounds and Gestures of Recollection. Ed. Richard Cándida Smith. New York: Routledge, 2002.
McElya, Micki. Clinging to Mammy: the Faithful Slave in the Twentieth Century. Cambridge, MA: Harvard University Press, 2007.
Mills, Cynthia. "Commemorating the Color Line: the National Mammy Monument Controversy of the 1920s." Monuments to the Lost Cause: Women, Art, and the Landscapes of Southern Memory. Ed. Cynthia Mills and Pamela H. Simpson. Knoxville, TN: University of Tennessee Press, 2003.
Turner, Patricia A. Ceramic Uncles & Celluloid Mammies: Black Images and Their Influence on Culture. New York: Anchor Books, 1994.
Wallace-Sanders, Kimberly. Mammy: A Century of Race, Gender, and Southern Memory. Ann Arbor, MI: University of Michigan Press, 2007.
The Mammy Project is a touring theatrical work written and performed by Michelle Matlock, that explores the stereotype and myth of mammy in contemporary United States culture.
"The Mammy Caricature." The Jim Crow Museum of Racist Memorabilia. Ferris State University.
"The Mammy Charicature" is an article about uses of the mammy figure, written by Dr. David Pilgrim.


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Mostly Cloudy
Wind: 7 mph
I live in Warren and each year our local school board does a great job of balancing the cost of operating our elementary school while attempting to keep per pupil spending to a minimum, resulting in budget increases which are usually the lowest in the district. Additionally, I have sat in on Harwood School Board meetings and have seen the same kind of scrutiny and sensitivity when it comes to spending our taxpayer dollars. If anything, I think the Harwood school board tries too hard to limit spending at the detriment of the quality of education provided to our children.
However, the purpose of this article was not to give accolades to our local school boards but to reiterate the frustration I feel with regard to our ever-increasing property taxes and the declining degree of control we have over how that money is spent. While I can go on and on, I would like to point out two items for which I am incredibly frustrated. The first involves our supervisory union and the lack of input we as taxpayers have with regard to their budget. The budget for the upcoming school year for the supervisory union includes annual raises of 4.5 to 5.0 percent for the administrative staff. The superintendent has a multi-year contract which included salary raises. However, the other members of the staff are not bound by multi-year contracts and their raises are determined annually. I cannot believe anyone in the district can remember when they received an annual raise of 4.5 to 5.0 percent. This statement has nothing to do with the quality of work the supervisory union provides, it's a matter of fairness, and I believe their raises should be in line with that received by the people who pay their wages.
An argument has been made that these raises were to bring the staff's salaries up to the same level as similar positions in other districts. I reviewed information on the Department of Education's website which provides a breakdown of everyone's salary in the various supervisory unions throughout the state. The salaries paid to the employees of our supervisory union fall within the median of the ranges I reviewed. Consequently, it appears they are already within the same pay scale as their peers.
The raises for the supervisory union staff are determined by the executive committee of the supervisory union board. The wages are then incorporated into the supervisory union budget and presented and approved by the full supervisory union board. The supervisory union budget is then prorated for each of the schools included in the district and included as an expense item in each school's budget. Therefore, the only opportunity for the public to have any say in the supervisory union budget is to vote against their local school budget. Consequently, although our local school boards may have done a great job watching costs, we can only speak out against any issue we have with the supervisory union budget by penalizing our local schools and voting down their budgets. This seems incredibly unfair to me.
My second issue has to do with the state's education funding formula being fundamentally flawed. I recently read the original findings by the Supreme Court of Vermont (SCOV) in the Brigham case which resulted in Act 60. Throughout the findings, the SCOV stated Vermont's education funding "deprives children of an equal educational opportunity in violation of the Vermont Constitution" and the remedy lay with the Legislature.
The court also went on to state: "We recognize that equal dollar resources do not necessarily translate equally in effect, there is no reasonable doubt that substantial funding differences significantly affect opportunities to learn . . . money is clearly not the only variable affecting educational opportunity, but it is one that government can effectively equalize."
What this tells me is that the SCOV acknowledged that equal spending per student does not necessarily provide equal opportunity.
I am not an economist, but simple common sense tells us that it does not cost twice as much to educate two students as it does one. There are economies of scale which school districts with larger numbers of students can realize that the more rural districts cannot. Consequently, the more rural districts should receive more dollars per student then the more urban districts. Unless the Legislature wants all of Vermont to lose its rural characteristics and make it a more urban state, they must acknowledge the simple fact that it costs more to educate students in the less densely populated areas. I agree there are places even the rural areas can cut back – such as one supervisory union per county – but the current educational funding formula is penalizing students not located in densely populated areas and reducing their educational opportunities; that sounds unconstitutional to me. For example, last year the Burlington schools were discussing purchasing laptops for each student, while Harwood was struggling to provide potable drinking water. Where is the equality in that?
When Act 60 went into effect, some of these larger school districts received a huge influx of cash over and above what they previously used to operate resulting in school expenditures rural districts could only dream of. If the Legislature has the courage to fix the formula, it will probably result in these districts having to shrink their massive budgets which will be painful for them and consequently painful for their representatives in Montpelier.
Will it take another lawsuit to finally get our Legislators to move and fix the education funding formula? I hope not. I hope they have the courage and fortitude to acknowledge that Act 60 needs to be fixed.
Rosemarie White


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It's JC Penney, with two 'e's.
I mean geez, it's right there in the quotation you pulled from their press release.
Ron Johnson, head of Apple Retail, leaves to become CEO of JC Penny
Ron Johnson, the man who helped Apple revolutionize retail with the Apple Stores, is leaving to take over the CEO spot at JC Penny. Apple has issued the following statement to All Things D:
"Ron is excited about this opportunity and we hope it goes well for him," a spokesperson said. "We've got a great retail team in place and are actively recruiting for his replacement."
And JC Penny states that Johnson isn't just taking over, he's taking on a large investment as well:
As a demonstration of his confidence in J. C. Penney's long-term potential, Mr. Johnson requested and has committed to make a personal investment of $50 million in the Company through the purchase, at fair market value, of 7 1/2-year warrants on 7.257 million shares ofJ. C. Penney Company stock. The warrants cannot be sold or hedged for the first six years of their term and have a strike price of $29.92, the closing price of the stock on the business day prior to Mr. Johnson's commitment to purchase the warrants.
Apple Retail's last big splash was the installation of iPads as information centers for all Apple products. Apple has probably institutionalized Apple Store procedures to the extent that Johnson's leaving won't have a huge impact, and it will be interesting to see if an influx of fresh blood -- and fresh ideas -- in the top retail spot can help take Apple further.
Anyone worried this means a lot of glass, wood, and aluminum are on their way to JC Penny outlets everywhere?
Have something to say about this story? Leave a comment! Need help with something else? Ask in our forums!
Reader comments
Ron Johnson, head of Apple Retail, leaves to become CEO of JC Penny
It's JC Penney, with two 'e's.
I think it's important to get the details right. Apologies if my comment was construed by some as "whining."
How many times can you quote articles spelling it "Penney" before you realize it has 2 Es in it?
There's a difference between building a new retail presence and trying to retrofit a well established one.
Ron Johnson has 50m to spend! Criminy! This is from his own pocket!
Good luck to you Mr. Johnson. I wish you well with JC Penney's and its war with Nordstroms, Macy's, Dillards, and such.
To the person who is taking over for Mr. Johnson at Apple, you better get ready for plenty of face time with Mr. Jobs.
First of all, its J.C. Penney is not spelled like the coin (Penny).
Second of all, aside from this one instance, this website probably has the worst grammar/spelling errors on the internet. Almost every single one of your articles is FULL of misspelled words. That is unacceptable coming from Senior and Managing Editors.
I think J.C. Penney still has one foot in the grave. Ron is gonna have to pull off a miracle to turn that ship around. Just based on all the catalogs, and I use that term loosely, they send that have the same thing in every single one, that miracle will need to be incredible.
Ok first off, are all you guys really whining about a misspelled word? Do you guys have no life, nothing better to do then whine and comain about spelling on the internet?
And if I had a choice between apple and jc Penney (had to make sure that was spelled right for you cry babies, although now you will probably complain about the jc not being capitalized) I would definitely chose apple. And not just because I'm an apple fan, but the job security. Apple isnt going anywhere anytime soon..
This entire response consists of the same acts you are complaining about. Just sayin...
To all that were complaining about the spelling, I commend you for your logic.
This is a blog. By definition it's purpose is to "write" about news, events, etc.
Spelling mistakes should be embarrassing to the editors. I mean I'd understand if you were engineers (and writing wasn't really your thing) that are completing hundreds of drawings for a project with revisions, changes and additions, however, even engineers must refer properly to names and spelling of parts, equipment and other items as they still need to design label layout schematics for the equipment too. Having said that, there really is no excuse for a blog to have consistent spelling slip ups like this.
Great Infographic. I've added the link to my site.
Hmm i hope you don't get annoyed with this question, but how much does a blog like yours earn?


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Welcome back
It seems you have navigated to a broken link or a page that no longer exists, we try to monitor the site and keep any errors to a minimum.
If you would like to let us know how you arrived at this page please email us at firstname.lastname@example.com
Seasonal hospitality packages are now on sale from £1,785 +VAT pp.
Save a massive 40% when you subscrible to the NUFC digital matchday programme.


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Welcome to King United Soccer Club - United We Play !
2014 King Day Dunk Tank
Fun times dunking the coach
2014 Nobleton Victoria Day Parade
KUSC World Cup Themed Float in the 2014 Nobleton Victoria Day Parade
2014 Players First Award Winners- Laura Allen (Pictured with President Stefani) & Sharon Hillier (absent)
On September 27, 2014 at the KUSC Dinner/Dance, KUSC awarded 2 Players First Awards.
2014 Wayne Lankester Memorial Trophy- Coach of the Year- Tony Cipressi (Pictured Wayne's Wife Kelly & President Stefani)
on September 27, 2014 at the KUSC Dinne/Dance the Coach of the Year Award was awarded.
Success for 2000 Boys travelling to Indiana- Crossroad Showcase
Congratulations in coming in 5th out of 50 teams!


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[CENTER][COLOR=#000000][FONT=Times][/...sunbuns99 August 1st, 2015 06:03 PM
We all have them. We always will as long as we live. In experiencing my own sorrows for the past couple of months, I find myself reflecting on all the joy I have, too.
One day this week, I...
flashgordon85 August 5th, 2015, 05:59 AM
flashgordon85 August 5th, 2015, 05:56 AM
flashgordon85 August 5th, 2015, 05:56 AM
Obama's massive flood of immigration is, of course, intended to increase democrat voters. But the flood of muslims involves the danger of bringing inBenvolio August 5th, 2015, 05:52 AM
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I'm seeing it in San Diego. "Yo Joe!"
I'm seeing it in San Diego. "Yo Joe!"
BAD Pts Need: R5-C7 lf leg (x2), , R4-P44 right leg BAD Pts Offered For Trade: PM me - I have lots of parts now including BG-J38!. New Kyle Katarn is also available.
I'll be seeing it, but way out in the Pass. There's a theater with $2.50 movies.
Tommy, close your eyes.
I've been anticipation Joe 2 since last year and will be seeing it in Northridge with a good friend of mine who's also the biggest Joe fan I know. I was able to get movie cash when I purchase GI Joe ROC bluray at Costco for $7.99. Cash was good for up to $7.50 one ticket. Can't beat this deal really b/c of the ROC blu price (been watchin it for 3+ yrs., it's never gone under 12.99, let alone $10!!) and the movie cash included. TRU and bestbuy should also have the assortment of Paramount titles with this Retaliation movie cash (red sticker). Off the top of my head - other titles included M.I.1, 2, and 3, Transformers, True Grit ('10) (have only seen this 1 at costco tho), and Super 8 (i think). Worth checkin out at those 3 stores. Not sure if Target has em too.
To answer the sideswipe question: He is out of stock on BBTS and robotkingdom. Don't care for tfsource's price either.
I'm in for GI Joe. If possible, lets do a matinee during the week, since I'd rather not pay full price. The AMC Burbank will the first theater to test laser projection with this film. It might be worth checking out.
Sorry to hear Sideswipe is hard to find, you'll get him at SDCC then I suspect.
Darth Vader is becoming the Mickey Mouse of Star Wars.
"In Brooklyn, a castle, is where dwell I"
The use of a lightsaber does not make one a Jedi, it is the ability to not use it.
Yeah, I meant it more as "I'm not able to justify the gas costs when I can see it so much cheaper in my backyard."
Got a minor favor to ask of someone (anyone). I've been trying to justify Wonder-Con, but the whole "Easter weekend when you have kids and live 90 minutes away" thing looks like it's going to be impossible. I dunno if they'll still be available (and it's a long shot, I know), but if Dark Horse happens to have any of the 2012 Free Comic Book Day Serenity comics left, can someone grab me one? Don't pay for it or anything, but I know Dark Horse often takes their leftover FCBD issues to give away as promos. I had no interest in Serenity last year, but now that I've seen the show, I'd like to get my hands on that.
Tommy, close your eyes.
RED & BLUE LASERS = GENIUS! My Thursday is open, if you want to catch it at Burbank.
Target Culver City had nothing of note in SW, TF had BH Ripclaw x2.
Darth Vader is becoming the Mickey Mouse of Star Wars.
"In Brooklyn, a castle, is where dwell I"
The use of a lightsaber does not make one a Jedi, it is the ability to not use it.


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Main Library
Branch Address125 14th Street
Oakland, CA 94612
(510) 238-3134
Branch Hours
About the Main Library
Located between downtown and Lake Merritt, Oakland's Main Library is one of the largest public library facilities in the Bay Area. In addition to large collections of over 350,000 reference and circulating non-fiction and fiction books, the Main Library offers hundreds of current and historic magazines and newspapers, a major collection of sheet music, and thousands of maps.
There are federal, state, and local government publications and a large collection of compact discs, videocassettes, DVDs, and audiobooks. We are also home to the Oakland History Room, a significant resource on the history of our area, a large and active Children's Room, and the TeenZone.
The branch is equipped with 33 computers with Internet access available for public use, available on a drop-in, first-come, first-served basis. Adaptive technology is available, including screen readers and enlargers for those who are blind or who have low vision or learning disabilities.
Main Library Department Phone Numbers
- Check-Out Desk: (510) 238-3144
- Children's Room: (510) 238-3615
- Teen Zone: (510) 238-7332
- Magazine & Newspapers: (510) 238-3176
- Oakland History Room: (510) 238-3222
- Reference Services: (510) 238-3138
Meeting RoomThe Main Library's meeting room has a capacity of 121 people, and is equipped with collapsible tables and chairs and a podium.
Currently on Exhibit
Remembering the Oakland Oaks and their Fabulous Ball Park, 1903-1955
The Emeryville Historical Society will mount an exhibit in the Oakland History Room to commemorate the sixtieth anniversary of the Oakland Oaks baseball team's departure to Vancouver, British Columbia. The exhibit will feature photographs and memorabilia of the popular team.
On Display FromMon, 04/06/2015 - Fri, 07/31/2015
Upcoming Events
|Event Name
|Butterfly + Bee Gardens
|VideoGames in the TeenZone
|Event Name
|VideoGames in the TeenZone
|Event Name
|Preschool Storytime
|VideoGames in the TeenZone
|Event Name
|Baby Bounce
|VideoGames in the TeenZone
|Event Name
|VideoGames in the TeenZone
|Lawyers in the Library
|Event Name
|ESL Conversation Club