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Indian Real Estate News
September 7 2010 , 03:30 PM
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Indian Real Estate News
Residential Property Prices Fall By 7% In Delhi, 15% In Kolkata
The housing regulator said that even as residential property prices skyrocket, Delhi and Kolkata, are bucking the trend, reporting a decline of up to 15 per cent in the first quarter of this calendar year. As per the Residex for the period January-March 2010, a residential property index put together by the National Housing Bank (NHB) for the 15 biggest metros, the residential property rates in these two metros have come down sharply, signaling a correction in the market. While in Delhi property prices have crashed by 7 per cent as compared to July-December 2009, in Kolkata the decline has been sharper at 15 per cent. In Delhi, the prices have dipped by nearly 20 per cent from the peak levels during July-December 2008, a time when the economic slowdown was beginning to spread its tentacles. The index assumes 2007 to be the base year. "In Delhi, the market has seen a huge correction in residential property prices, which was much required. As state land development agency Delhi Development Authority's (DDA) plans to come up with DDA colonies around farm areas beyond Mehrauli fructify, there is no big pressure on demand. Supply is expected to grow," said National Housing Bank Executive Director Mr RV Verma.
2 Sep 2010 Indian Express
Buyers Can Choose To Opt Out Of Residential Project If Possession Is Delayed
The National Consumer Commission has held that a buyer is now entitled to opt out of a housing project if there is a delay in delivery of possession of the house by the real estate developer. It said the buyer is also entitled to a full refund with reasonable interest and any deduc tion on the amount is unjustified. "The petitioner was fully justified in opting out of the [hire-purchase] scheme and demanding refund of the money that she had paid along with interest," the commission said. The order was passed after a petition was filed by Agra resident Ms Indira Gupta, who was seeking quashing of the Uttar Pradesh State Consumer Commission's direction to deduct 20% from the amount to be refunded to her by the Agra Development Authority.
29 Aug 2010 DNA
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September 7 2010 , 07:17 PM
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Nice piece of information , especially "Buyers Can Choose To Opt Out Of Residential Project If Possession Is Delayed"
September 8 2010 , 10:44 AM
Munish Malhautra
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Issue is every news reporting company or RE company comes up with its own facts and figures based own research and its almost impossible to keep track on the actual scenario. Also much of it is paid and biased hence the authenticity is always under doubt.
We badly need a national regulation agency which does unbiased research and also works to make this sector a bit organised.
WIth so much of corruption and black money its always a challenge.
September 12 2010 , 05:57 PM
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Great Thought!
I agree in totality and second your view , MM!
September 14 2010 , 03:42 PM
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Home rentals zoom on high realty prices
The industry norm of eight to 10 per cent rise in rentals is now passe. Ask Deepak Varma, a 38- year-old resident of Kandivili, in the western suburbs of Mumbai. He was shocked when his landlord demanded a 25 per cent hike in rentals to renew his housing lease.
"The landlord gave me just two options - either pay up the increase or search for another property. After some research I found that rentals have zoomed up in Mumbai. As buying a house at these levels is just not possible, I would have to look for a smaller house where the rents are affordable for me," he said.
The trend has been confirmed by real estate portal . According to a study conducted by the portal, residential rentals have continued to rise in sync with the increase in realty rates. The rentals have increased between 12 to 20 per cent. In places like south Mumbai and south west Mumbai, the appreciation has been the most, the study revealed. Khar, a western suburb of Mumbai has seen 47 per cent appreciation in rentals in the second quarter of this year compared to the previous year. It is closely followed by places like Mahalaxmi and Napean Sea Road, which saw 28 per cent and 13 per cent rise in rentals, respectively, over the same time period. Bandra West witnessed an 11 per cent rise in residential rentals. Similarly, Breach Candy and Lower Parel saw rental values move up by six per cent in the second quarter, the study pointed out.
Yashwant , president of the Estate Agents Association of India said that high property prices are responsible for the rise in rentals in the city. "Property prices have gone up beyond the 2008 peak and are consistently going up since the last three quarters. So people are waiting for the prices to correct and have postponed their purchasing plans for some time. As preference is more towards leased property, the rentals have gone up in the city," he said.
The study by 99acres. com also shows a similar trend in Delhi and NCR. Saket in South Delhi witnessed a 31 per cent rise in rentals in the second quarter of 2010 as compared to the same period last year. South Extension, Safdarjung and Malviya Nagar followed at 24 per cent, 22 per cent and 21 per cent respectively. Vasant Kunj saw a 17 per cent rise in rentals while Dwarka witnessed an increase of 12 per cent in the second quarter of this year compared to last year. Vasant Kunj and Dwarka have emerged as the most affordable rental destinations in Delhi, the study revealed.
Connaught Place has seen an eight per cent rise in rentals while Pitampura and Rohini saw 35 per cent and 37 per cent rise in prices respectively, over the same time period. Key localities of Noida like Sector 93, Sector 53, Sector 61 and Sector 82 saw rentals escalating in the range of 18 per cent to 25 per cent. Prime areas in Gurgaon like Sohna Road and Sushant Lok saw 16 per cent appreciation in rental values.
Pankaj Kapoor, managing director of real estate research firm Liases Foras, said that he does not believe that residential rentals in the country could rise so steeply. "There are lots of properties lying vacant in many of the new residential projects. So, it is quite unlikely that the rentals at this stage could increase," he said.
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September 14 2010 , 06:53 PM
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Commercial real estate witnesses rise in demand
Commercial real estate projects, including office and retail space, have started seeing increased demand after suffering poor sales during the economic slowdown, as firms and retailers revive expansion plans. In eight cities, including Delhi-National Capital Region (NCR) and Mumbai, firms leased out or sold 9.2 million sq. ft of commercial space in the three months ended 30 June, up 58% from 5.8 million sq. ft in April-June 2009, said Ravi Ahuja, executive director for development services at consultants Cushman and Wakefield India.
Some 16.4 million sq. ft of retail space is expected to be available in 2010, against 6.3 million sq. ft last year. Consultant Jones Lang LaSalle Inc. has predicted 8.9 million sq. ft will be absorbed this year, compared with 4 million sq. ft in 2009. The commercial real estate space is again active with inquiries and transactions, said Supreet Suri, director, The Three C Universal Developers Pvt. Ltd. The company is planning to launch a 12.5-acre commercial project in Noida, on the outskirts of New Delhi, by October. We are getting inquiries for our Noida project, which is still in the planning stage, Suri said.
Developers such as BPTP India Ltd, Assotech Ltd, Anant Raj Industries Ltd and Wave Inc. have also reported improving property demand. Metros have witnessed a large number of investment deals in office space development at information technology (IT) and corporate parks during April-June, according to a report by the Royal Institute of Chartered Surveyors. While improved corporate profits seem to be the demand driver for office property, retail property has also seen an upswing, as a result of improved economic climate within the country, making it an attractive market for global retailers as well, says the report.
Leasing and sale of office space in Mumbai and Delhi-NCR rose 69% and 18%, respectively, according to another consultancy, DTZ International Property Advisors. The report says 70% of transactions in Delhi-NCR have been recorded in Gurgaon, Noida and Delhis south business district. In Mumbai, most commercial realty projects are coming up in peripheral areas. Noida has attracted large multinational corporations from IT and the banking, financial services and insurance (BFSI) sectors who want to set up back offices, says an office market report from BNP Paribas Real Estate.
Mumbais Bandra Kurla Complex adjoining Santacruz, Andheri, Powai, Vikhroli and Vile Parle has also attracted buyers, says the BNP report. Consultancies say capital and rental values will remain stable in the near term as new projects inundate the market in the next few quarters. Rental and capital values will remain stable as the markets will witness huge supply in coming months, said Priyankar Bhikshu, head of research for India at DTZ International Property Advisors. Increased absorption and reduced vacancy are likely to take place in most Indian cities by the end of this year. However, a complete revival of the rental market is unlikely until mid-2011, Bhikshu added.
But deal sizes are getting smaller. Multinational firms are looking for central locations in big metro cities. Since rental cost in these areas is still higher, the space occupied is smaller in comparison to the ones that were occupied during 2008, said Rajesh Goyal, chairman and managing director of the Delhi-based developer RG Group. In doing so, the occupiers have the dual advantages of cost saving and central location.
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September 14 2010 , 06:58 PM
Munish Malhautra
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Basically Residential growth is directly proportionate to Commercial.
If u make more houses, u need to create more jobs and vice versa
September 15 2010 , 11:30 AM
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Traffic jams. Delayed flights. Crowded trains. That is the reality of any big city in India. The future could be much worse. The country's cities are expected to grow by an additional 250 million, mostly young people, over the next two decades. Without massive investment and thoughtful planning, chaos will ensue.
Or not. McKinsey, in an unprecedented nearly two-year study of Indian cities, envisions a way for India over the next 20 years to turn that influx of young population into a quadrupling of per-capita income. This growth hinges on adequate investment in cities so they can handle the surge in people and the simultaneous increased demand on services. The urban migration, if properly handled, could generate 70% of net new jobs and produce 70% of India's GDP.
To meet their needs, McKinsey suggests that India must build--every year for the next 20 years--between 7 billion and 9 billion square feet of real estate (the equivalent of one Chicago) a year; 220 to 250 miles of metros and subways (more than 20 times what it has built in the past decade); and between 12,000 and 15,000 miles of road lanes (nearly equal to all the road lanes constructed in the past decade).
That's a pretty ambitious task, given India's infamous bureaucracy, corruption and a sketchy track record on accomplishing large-scale projects. Ajit Mohan, the lead author on the McKinsey report, says for the first time there's some recognition in India that urban development has to become a priority. It could take one success in a single city to create the momentum for a national push, he says, comparing the current lack of infrastructure investment to the way the IT sector was developed in India. "When Bangalore became successful, other cities started to emulate it," he says.
The major changes will happen, adds Chetan Vaidya, head of the National Institute of Urban Affairs in New Delhi. "We can already see bits and pieces of that falling into place," he says.
Multiple infrastructure investment programs have launched in the last handful of years. One is the Jawaharlal Nehru National Urban Renewal Mission, which is putting $28 billion into 65 cities over a seven-year period starting in December 2005. Once it runs its course, it could be replaced by a similar program. The government of India is also in talks with the World Bank for a $3 billion infrastructure loan.
India's federal treasury is increasing its grants to cities and states from the $960 million they received annually for the past five years to $5 billion each year over the next five years as long as they meet a nine-point agenda. The conditions attached to receiving funds in both programs are similar and focused on land and tax reforms, among other mandates. The idea is to improve governance and creditworthiness of cities, says Vaidya, and lead to commercial or market-based financing in urban investment.
Multinationals like Aecom, Veolias and Bombardier are in the process of bidding for various projects, including building portions of metro rails in Chennai and Kolkatta and supplying rail cars to Delhi's expanding metro network. Aecom was recently awarded a contract to do the master plan for two of the six satellite industrial cities India plans to build along the 1,700-mile Delhi-to-Mumbai corridor. Each city will house 5 million people.
"This is a huge investment opportunity, but you need to cherry-pick your cities," says Vaidya. He recommends focusing on tier-2 cities like Pune in Maharashtra and Surat in Gujarat and investing in projects like ports and special economic zones (which typically build sector specific manufacturing or research hubs), and in affordable housing, as 90% of the demand is for those. He expects an average investment period to range from three to five years before investors can exit and move on to the next batch of cities.
Mohan, the author of the McKinsey report, too sees opportunity for the private sector (and multinationals, to boot) to provide services like water supply and waste management. "But," he admits, "the question is will we do it fast enough--and that's a political choice. That will determine how dramatic the pace of the change will be and up until now no one has stepped up to champion that."
September 16 2010 , 07:43 PM
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India may face shortage of 26 mn houses by 2012
New Delhi, Sep 16, (IANS):
India will face shortage of over 26 million houses by 2012, which would lead to spurt in housing prices as demand-supply gap widens amid rising purchasing power of the middle class people, a consultancy firm has said.
"With India back on a high growth trajectory, demand for commercial and residential space is likely to witness an upward trend," consultancy firm Ernst and Young said in a report.
Demand for residential property is rising sharply because of growing young working population, increasing urbanisation, declining household size resulting in more nuclear families with growing household income and improved availability of loans.
Co-chairman of FICCI Real Estate Committee Pranay Vakil said over $1.2 trillion investment was needed to meet the rising demand for urban development. He said that the urban population in India would nearly double to 600 million in the next 15 years from nearly 350 million now, and this would put massive pressure on urban infrastructure, including roads, power and water supply.
Dean Hodcroft, partner-head of real estate for Europe, Middle East, India and Africa at Ernst and Young, said India needed institutional reforms to attract more investments in infrastructure development projects.
He said the countrys macro-economic fundamentals were in great shape and it was poised to reap huge benefits of growth. "India needs to fix the institutions to attract more private investments, including foreign investments," he said.
Comparing the investment climates in India and China, Hodcroft said: "While it is easy for investors to get into China, it is extremely difficult to get out. In contrast, it took time for foreign companies to enter India, but exiting is comparatively much easier." He noted that India was lower ranked in areas that were easy to fix.
September 18 2010 , 07:33 PM
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Top 10 residential hotspots
Many cities in the country, after the slowdown, are once again in the spotlight for the good investment potential they offer in the mid to long term
1 GURGAON Massive infusion of commercial office and retail space Currently at 22 million sq ft and likely to grow to 40 million sq ft by 2012 Substantial rationalisation of prices Correction of over 25 per cent to 30 per cent across micro-markets Wide breadth of projects across price ranges and geographies The downturn has opened new geographies at rationalised prices Shortening absorption period Increased absorption rates has led to fewer unsold housing units Quality developers and developments Tier I developers and good quality developments Water, power and connectivity continue to be areas of concern The Delhi Metro is expected to improve connectivity
2 MUMBAI High-income demographics High investment activity levels across price bands Massive infusion of commercial office and retail space Relative affordability in suburban markets Most of the markets within the city are unaffordable. Affordability in eastern suburbs, Thane and Navi Mumbai Infrastructure can't keep pace with growth of city Infrastructure development to boost residential demand in suburbs
3 NOIDA Affordable micro-markets Reasonable price range has led to increased absorption momentum Excellent connectivity Connectivity through existing road infrastructure and the Delhi Metro Commercial office space Addition of another 12 million sq ft of office space in the next three years Residential demand primarily linked to IT/ITES sector
4 PUNE Huge supply of office space Addition of 19 million sq ft of office space over the next three years Affordable micro markets close to the city Oversupply in select micro markets only Proximity to Mumbai
5 BANGALORE Shifting geographies of commercial office development Most of the micro markets highly affordable Residential demand linked to growth of IT/ITES sector City has attained a critical mass of IT occupiers, which will help attract even more IT occupiers Infrastructure hasn't kept pace with the growth of the city
6 CHENNAI Diversified migrant population working in industrial, logistics and IT and ITES sector Prices have rationalised across micromarkets Properties along OMR benefit from excellent connectivity and proximity to IT hubs Absorption rate yet to pick up
7 HYDERABAD High affordability in Hitec City and Gachibowli Oversupply in Hitec City and Gachibowli Other markets having low activity Residential demand linked to growth of IT/ITES sector
8 KOLKATA Absorption rate has picked up in Rajarhat Highly affordable micro markets Growth in office take up projected to be low
9 AHMEDABAD Newest metropolitan city with population of more than 4 million Absorption rate has picked up in affordable markets closer to the city Highly affordable micro-markets s, logistics and automotive sector to drive population growth in the suburban markets Poor IT/ITES presence
10 KOCHI Diversified economy with growing IT/ITES presence Highly affordable micro-markets Huge non-resident Keralite demand drives residential real estate Micro-markets of Edapally and Kakkanad highly dependent on IT/ITES sector The only segment to emerge almost unscathed from the turmoil that the real estate sector underwent during the slowdown was the residential sector. Its resilience in the face of negative global cues was as much a result of the latent demand for affordable housing in India as the large share of the Indian real estate pie that the residential sector holds.
As with office space and retail malls, residential property did, to a lesser degree, suffer the effects of the global downturn in 2008 and 2009. However, unlike its counterparts, the residential sector has begun to show signs of stability in many markets, and even recovery in certain cities. Whether this trend will continue depends in large part on economic factors (mortgage rates, GDP growth, labour market stability) and on prudent decisions by developers on issues relating to pricing and quality of products being offered.
Jones Lang LaSalle Meghraj Research conducted an analysis of residential markets across India to help identify investment hotspots for retail investors. While abnormally large returns can be found in specific projects throughout the country, the analysis was limited to India's seven largest cities due to high residential demand from their large populations, relatively higher transparency levels and presence of premium regional and national developers.
The top ten cities were Gurgaon, Mumbai, Noida, Pune, Bangalore, Chennai, Hyderabad, Kolkata, Ahmedabad and Kochi.
Based on proprietary data from the Real Estate Intelligence Service (REIS), each cities' potential was examined across a variety of parameters, including affordability, investment yield, absorption momentum, supply overhang etc Residential property is very definitely the flavour of the year in 2010. While the primary metros continue to command the highest demand and appreciation potential, many other cities are once again in the spotlight for their mid-to-long term investment potential, says Abhishek Kiran Gupta, head research and REIS, Jones Lang LaSalle India.
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Giveaway: Win a 2013 Laurel Denise Planner + Necklace
We are are into our third week of 2013 friends, and so with a little bit of time passed, you too may have come to the same realization as I have: that I need a legitimate way to keep track of all my goals and plans for the year! There is so much to stay on top of!
Well today you are in luck! The lovely Laurel Denise would like to give you the chance to win one of her famous 2013 Planners, in the color of your choosing (a $35 value)! The genius of these organizational books is how Laurel Denise has designed them so that you can see daily, weekly, and monthly goals all at the same time! I love that!
And to help keep your New Year's intentions close at heart, Laurel Denise is also giving away an inspirational necklace of your choosing from her Simply Stated and Silk collections (a value of up to $90)! There are so many beautiful pieces to choose from! Which is your favorite?
Here's how to enter for your chance to win:
- Visit Laurel Denise and decide which planner color and necklace you would like to win. You can choose any necklace from the Simply Stated or Silk collections.
- Come back here and leave a comment on this post sharing your selections (both planner color and necklace) and why they are perfect for you/your new year.
- Be sure to include a valid email address and your first name and last initial with your comment or I won't be able contact you if you win.
- For a second entry, pin an image of the necklace or planner that you'd like to win over on pinterest. Include the hashtag #laureldenise and @laureldenise in the pin's description.
- Come back to this post and leave a second comment with the URL of your pin. Be sure to include your email address, first name, and last initial with this comment too.
- The giveaway will close on Monday (1/21) at midnight (Central Standard Time). The winner will be contacted by email and I will update this post with the winner's name as well on Tuesday (1/22).
Now hop on over and make your selections! Best of luck to all of you! xo Ez

subset: commoncrawl


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Meet Mr L, at 8 weeks – has to be the happiest baby I've ever met!
(I even got a few giggles!!) x
Meet Mr L, at 8 weeks – has to be the happiest baby I've ever met!
(I even got a few giggles!!) x
Everyone loves it when a newborn baby smiles during their slumber, but my favorite is when they smile and their soon to shine personalities can be soon too!
Meet Master A x
HAPPY NEW YEAR! To welcome 2014, first meet the gorgeous babies of 2013!
Is it just us or did 2013 fly by!? A very busy year for the studio! We saw many clients returning with their newest additions and many new wonderful families!
In March, I entered the WPPI (Wedding and Portrait Photographers International) 16×20 Photography Competition for the first time, receiving two Silver with Distinctions and a GOLD! At the AIPP APPA awards, receiving a Silver with Distinction. At the Awards night received Associateship with the AIPP, and later in 2013 received Associates Honour with the WPPI.
2013 also saw Alex officially joining Iris Creations as a photographer on weddings, and soon will be expanding our wedding packages to include Videography! So stay tuned! Now it's his turn to start the awards circuit, and plans to get his Associates with the AIPP quicker than me.
And here we are in January, and already this year is flying by! A few announcements to start the year..
in 2014 Iris Creations will be officially operating on PART TIME hours. The office and studio will be open and available Wednesday & Fridays and selected weekends for sessions. Therefore it is advised to book sessions as soon as possible! Pricing for 2014/2015 Wedding Packages is available, and can be downloaded HERE.
Portrait Session pricing available HERE.
To stay up-to-date with news and announcements, and of course previews please be sure to 'LIKE' our facebook page HERE.
All the best for the new year! Stay safe and have a wonderful summer!
x Gemma
As a baby photographer, it's really special to photograph friends, especially those you've known for so long! Jen & I went to high school together, all the way in The Gap, Brisbane! Now we're all grown up and both have two boys!! Congrats on your beautiful family Jen, your boys are just gorgeous xxx


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Note: Indians Contacted Mets about Sabathia
Prior to tonight's game, Mets GM Omar Minaya confirmed that he had been approached by Indians GM Mark Shapiro regarding RHP C.C. Sabathia before trading the pitcher to the Brewers.
According to Minaya, Shapiro felt the Mets had the necessary players to make such a deal, but he declined.
…from what i understand, shapiro would have required Fernando Martinez and a pitcher like Jon Niese or Eddie Kunz, as well as another mid-level pitching prospect…
Sabathia, who is 6–8 with a 3.83 ERA, will be a free agent at the end of this season, during which he will likely seek a contract similar to the seven-year deal signed by Johan Santana.
…personally, i'm glad the Mets did not bite on sabathia, who will almost certainly sign with a different team after the season…right now, the Mets problem is not pitching, it's a consistent offense…
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Pollution from Industrial Sources - Dry Cleaning permit
The City Council is responsible for the regulation of certain industrial processes that have the potential to cause air pollution. We currently regulate approximately 280 processes across the city ranging from petrol service stations to car manufacturing plants. Officers in the Pollution Control Team work closely with industry to help improve environmental performance and to ensure compliance with regulations.
Application forms in word and pdf format are provided below in respect of Dry Cleaning permits. Please view our page on the Regulation of Pollution from Industrial Sources and contact the Pollution Control Team (details below) before applying for a permit in order to discuss requirements in detail.
Environmental Protection Unit
Pollution Control Team,
581 Tyburn Road
Tel: 0121 303 9900
Fax: 0121 303 9901
E-mail: firstname.lastname@example.com
Dry Cleaning - Environmental Permit application.doc (Size: 184 Kb Type: Word Document )
Copyright: Copyright Restricted
Dry Cleaning Environmental Permit application.pdf (Size: 79.7 Kb Type: PDF )
Copyright: Copyright Restricted.


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|LifeStore Names Boone Insurance Manager
|Written by Judy Current
|Monday, 20 August 2012 07:58
LifeStore Insurance recently named Sandra Storie Williams as VP and Branch Manager of LifeStore Insurance in Boone. Sandra will be assuming the management role of Pam Fisher who retired earlier this summer. Sandra brings 30 years of experience
with her and certifications as a Certified Insurance Service Representative, Certified Insurance Counselor and Certified Builders Agent.
"We are excited to have Sandra move into the Boone office," commented Jody Brown, LifeStore Insurance President. "Sandra brings experience and enthusiasm. We are very pleased she has chosen to accept this new role in our organization."
Sandra has a passion for community involvement and enjoys spending time with her family. Sandra has two sons, two daughters and five grandchildren who live in Lenoir, Mocksville and Greensboro. She has been active in many Lenoir-based organizations including the Board of Directors of Shelter Home of Caldwell County, the Wig Bank for Caldwell County, Caldwell Friends and the Home Builders Association. She is looking forward to becoming involved with the Boone Area Chamber of Commerce and local nonprofit organizations.
LifeStore Insurance is an independent insurance agency providing its clients with options for their auto, home, business, life or health insurance needs. They are located across western North Carolina with offices in Boone, Elkin, Lenoir, North Wilkesboro, Sparta and West Jefferson.
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36 Years Ago: Keith Moon's Last Who Show
Keith Moon played his final tour date with the Who on Thursday, Oct. 21, 1976 at the Maple Leaf Gardens in Toronto, Canada. It was the final date on the band's 1976 tour. Within two years, Moon would be found dead from an overdose of Heminevrin, a sedative used to combat his alcoholism. Though Moon would perform with the Who in a couple special gigs filmed for use in the documentary, 'The Kids Are Alright,' this would be his last official Who date.
After tours spotlighting mammoth works like 'Tommy' and 'Quadrophenia,' the 1976 trek was more of a back to basics jaunt and by most accounts, a truly rocking round of shows. The tour, however, was not without its share of incidents. The band crossed the U.K. and Europe before heading to the U.S. By the time the tour made it to the States, Moon had become ill, forcing the rescheduling of the opening date. Despite such drama, the band were still capable of the firepower that made them so great, as live recordings from that tour confirm.
Moon embodied the spectacle and glory that made the Who such an amazing live act. In the early days, he and Pete Townshend would often try and one up each others stage antics. Townshend stated in the 1979 documentary 'The Kids Are Alright,' "As soon as I started smashing something up, Keith, who's a great sort of joiner-inner used to smash up his drum kit!"
"A lot of people really, really, really, have never understood how important Keith's drumming style was to the Who," said Roger Daltrey in the 'Classic Albums – Who's Next' DVD. "I kind of describe it as, if you imagine Pete and John as two knitting needles, and Keith was the ball of wool. He would kind of keep it all together." Townshend humorously added, "Keith Moon's drumming was an expression of his personality and his ego and his grandiosity and his ridiculousness and his theatricality and his sense of humor."
The band's onetime manager Chris Stamp put it best: "He was, in a sense, the soul of the band." Moon died Sept. 7, 1978 at age 32, and rock and roll hasn't been the same without him.
Hear the Who Perform 'Won't Get Fooled Again' in Toronto


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Saturday afternoon Borger Bulldog fans are invited to attend a tailgate party that will begin at 11:00 a.m.to 1:00 p.m. before the District 1-3A game with the Perryton Rangers in Perryton that begins at 2 p.m.
The Baseball Booster Club will have a big cooker set up in Perryton in the parking lot of Ranger Field.
Bring your own food and the booster club will cook it and bring your lawn chairs.
A win by the Bulldogs clinches them the District 1-3A title outright, so make the short drive and support the Dogs.


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Tara Pearls
Diamond Orb & White South Sea Pearl Strand Necklace
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- pearl
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- 1
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11 x 13.2mm natural color white south sea cultured pearl strand necklace with 18K yellow gold cutout orb and round cut diamond clasp detail
- Total diamond carat weight is 0.15
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- 18 inches long
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Material: 18K yellow gold, pearl, and diamond
Brand: Tara Pearls
Origin: United States


text: Mojomama is fueled by the power vocals of Jessica Rowand making this band stand out from the others. Mojomama combines Old School R&B and Funk influences from Aretha Franklin to Stevie Nicks and Susan Tedeschi leaving you with a new yet familiar sound. Every Mojomama performance excites the crowd with their hip shaking grooves and undeniable melodies filling your head and making you want more.


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Daniel López-Pérez, PhD
Associate Professor, Architecture
Daniel López-Pérez is an Associate Professor of Architectural Design and a founding faculty member of the Architecture Program at the University of San Diego. López-Pérez received his Ph.D. in the History and Theory of Architecture at Princeton University, a Master of Science in Advanced Architectural Design (with Honors) from Columbia University, and an AA Diploma from the Architectural Association.
PhD, Princeton University, History and Theory, Department of Architecture
MS, Graduate School of Architecture and Planning, Columbia University, in Advanced Architectural Design (with Honors)
AA Diploma, Architectural Association, London
Scholarly and Creative Work
López-Pérez's scholarship specializes in architectural design approaches and the historiography of modern architecture. López-Pérez has lectured and written extensively about architectural design and the many legacies of modern architecture upon contemporary practice. His Ph.D. dissertation at Princeton studies the subject of "skyscraperology" – a composite discourse that examines the tall building by tracing the simultaneous innovations that took place in its practice, history, theory and criticism.
Made possible in part by a Barr Ferree Foundation Fund awarded by the Department of Art and Archeology at Princeton University, López-Pérez edited R. Buckminster Fuller: World Man, a study of Fuller's never-before-published inaugural Kassler lecture delivered at Princeton University's School of Architecture in 1966. Reflecting on the severe challenges facing the global ecology, Fuller delivered an impassioned rallying cry to architects to shape their universe by responding to its underlying principles – a cry that World Man argues to be as relevant today as it was in the visionary designer's own time.
As the result of a two year research seminar with the students of Harvard's Graduate School of Design, and in collaboration with Actar in Barcelona, López-Pérez co-edited The Function of Form with Farshid Moussavi, an essential graphic manual on structural systems and their capacity to produce a variety of forms. The Function of Form aims to move architectural experiments away from 'mechanistic' notions of systems for re-producing forms, to 'machinic' notions of systems that determine how parts of an architectural problem interrelate and multiply.
From a Graham Foundation Grant, and as part of the Media and Modernity Program at Princeton University, López-Pérez was one of the co-designers and curators of the exhibition Clip / Stamp / Fold, The Radical Architecture of Little Magazines from 196x to 197x. Clip / Stamp / Fold opened at the Storefront Gallery in New York and has since been exhibited at the Canadian Center for Architecture, in Montreal and the Architectural Association in London, among other international venues.
In professional practice, López-Pérez has been project architect in a number of large scale commissions and international competitions for David Chipperfield Architects in London, some of which were awarded first prizes such as the extension to the San Michele Cemetery in Venice. In New York, López-Pérez was project architect for Foreign Office Architects, within the United Architects Team; whose submission was a finalist in the Lower Manhattan Development Corporation's World Trade Center Ideas Competition. Currently, López-Pérez is building a number of residential and commercial projects along the coast of Baja California.
The projects and writings of López-Pérez have been published in a number of journals including El Croquis, Arch+, Bauforum, Wettbewerbe Architektur, and Iranian Architect.
Teaching Interests
López-Pérez's instruction is primarily in architectural design studios, which explore a more synthetic relationship between architectural form and its many functions. The work in the design studios combines digital processes with material methods of fabrication in search of concepts that are informative both for pedagogical and practical innovation. Speculative research focuses on issues of materiality in the broader sense, such as typology, systems, structure, program, also focusing on larger scale questions surrounding infrastructure and the urban environment.
López-Pérez has taught design studios at Rensselaer Polytechnic Institute, the Academy of Fine Arts in Vienna, Princeton University, and the Graduate School of Design at Harvard.


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I invite all to the first forum dedicated to Russian Ultralight Backpaking. April 6 2013 in Moscow. Dubininskaya 69 Building 3. "Ice Age" gear Shop. This is a unique chance to meet personally with russian enthusiasts of-U.L. Find new routes,find a company,hear travel stories and share their own experiences! Meet some interesting manufecturers (like "Sivera")and of course the BBQ!!! contact us+79057882546 Ivan firstname.lastname@example.com +79168888332 www.ice-age.ru+74957270633P.S. if some one realy wants to ... we can halp in meeteng in airport, cheap hotels, etc....
Edited by ivanchous on 05/01/2013 01:12:06 MDT.
Very cool! I hope you'll let us know how it goes.
Where do you guys go hiking in Russia? In the short time that I was there I saw tons and tons of potential for awesome bushwhacking and backpacking. Suzdal had lots of gorgeous countryside around it and we passed some awesome landscapes on the 10-hour train ride from Vladimir to St. Petersburg.edit: Also just wanted to say that your country and people are awesome. I had tons of great experiences with random strangers I met on trains, in bars, or in hostels!
Edited by nsiderbam on 02/03/2013 17:56:24 MST.
Hi George! just open google maps! find Russia and turn on "Foto mode" to see users foto on map. And you can find great places to go=))) i try to find some most popular spots for you - Lavozerskie tundrihttp://ru.wikipedia.org/wiki/%D0%9B%D0%BE%D0%B2%D0%BE%D0%B7%D1%91%D1%80%D1%81%D0%BA%D0%B8%D0%B5_%D1%82%D1%83%D0%BD%D0%B4%D1%80%D1%8Bhttp://en.wikipedia.org/wiki/Lovozero_Massif Khibini moutains - http://en.wikipedia.org/wiki/Khibiny_Mountainsits easy to go, by train from st.Pitersburg to Apatiti. or airplane to Murmansk and taxi to Apatiti. and 1-2 miles by your own legs.=))
it was super!! ower 80 people!
Edited by ivanchous on 05/01/2013 01:29:17 MDT.
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Manila Extended Stay Hotels
Displaying 4 Hotels in Makati
More IHG Hotels in Manila, Philippines
Holiday Inn Hotel & Suites Makati
Holiday Inn & Suites Makati is directly connected to the well-known Glorietta Shopping Mall, providing you a convenient access to your needs, whether on business or leisure. The hotel offers spacious guestrooms starting with a floor area of 32sqm with comfortable work spaces and multimedia panel. It also offers an all-day dining restaurant, lobby lounge and sky lounge.
4.4 /5 (833 reviews)
Glorietta Mall,, Palm Drive, Ayala Center, Makati, Philippines
Hotel Reservations : 1 877 238 8889 | Hotel Front Desk : 63-2-9090888
Holiday Inn Manila Galleria
Located in the Ortigas Central Business District, a stay at Holiday Inn Manila Galleria offers just the right blend of business and pleasure as the hotel is just minutes away from premiere institutions such as Asian Development Bank Avenue and Philippine Stock Exchange.
4.1 /5 (503 reviews)
One Asian Development Bank Avenue, Ortigas Center, Pasig City, 1655, Philippines
Hotel Reservations : 1 877 238 8889 | Hotel Front Desk : 63-2-6337111
Crowne Plaza Manila Galleria
Located at the 4th level is a 2,915 sq m. floor area dedicated just for meetings and conventions. Crowne Plaza Manila Galleria has the biggest pillarless Grand Ballroom in the Ortigas business district offering 1, 272 sq m function space which can accommodate up to 1,500 guests. Aside from the ballroom, there are five function rooms which can be divided into several smaller meeting rooms.
4.3 /5 (416 reviews)
Ortigas Ave, Corner Asian Development Bank Ave, Quezon City, 1100, Philippines
Hotel Reservations : 1 877 238 8889 | Hotel Front Desk : 63-2-6337222
InterContinental Manila
InterContinental Manila is located centrally in the Philippines' premier financial and commercial district. Adjacent to Glorietta and Greenbelt Malls, two of the largest malls in Manila, it is convenient for both shopping and entertainment. The hotel continues to be known for its central location in Makati City and for its friendly, efficient and innovative service.
4.2 /5 (695 reviews)
No. 1 Ayala Ave, P.O. Box 731-D-3117, Manila, Philippines
Hotel Reservations : 1 877 238 8889 | Hotel Front Desk : 63-2-7937000


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BEGIN:VCALENDAR VERSION:2.0 PRODID:-//22.214.171.124//NONSGML kigkonsult.se iCalcreator 2.20// CALSCALE:GREGORIAN METHOD:PUBLISH X-WR-CALNAME:Occupy Oakland X-WR-CALDESC:#OccupyOakland X-FROM-URL:https://occupyoakland.org X-WR-TIMEZONE:America/Los_Angeles BEGIN:VTIMEZONE TZID:America/Los_Angeles X-LIC-LOCATION:America/Los_Angeles BEGIN:STANDARD DTSTART:20151101T020000 TZOFFSETFROM:-0700 TZOFFSETTO:-0800 TZNAME:PST END:STANDARD BEGIN:DAYLIGHT DTSTART:20150308T020000 TZOFFSETFROM:-0800 TZOFFSETTO:-0700 RDATE:20160313T020000 TZNAME:PDT END:DAYLIGHT END:VTIMEZONE BEGIN:VEVENT UID:email@example.com DTSTAMP:20151006T230410Z CATEGORIES;LANGUAGE=en-US:Action CONTACT: DESCRIPTION:
Calll Out for Solidarity:
\nhttp://afg hansforpeace.org/archives/2904
"We call on the international c ommunity to join us on Sunday\, October 7th in our actions across the glob e. If we are not present in your city\, we ask that you or your group orga nize an action to bring an end to not only this war\, but every war. The i mpending war against Iran and Syria. The war on drugs. The war against wom en. The war against people of color and the poor. The war against indigeno us peoples and their lands. The war against our environment. All WARS."\n
*please spread far & wide!\n
********************************* *********************\n
Call Out – Full Text :\n
This Oct 7th marks the 11th anniversary of the US / NATO led War and Occupation of Afgh anistan. In these 11 years we've seen the US and its allies burn hundreds of copies of the holy Quran\, urinate on the bodies of dead Afghans and th e CIA torture people to death. All of this happened with zero accountabili ty and complete impunity. This has been proven by the US Justice Dept rece nt decision to not prosecute. The US military has shown its racism with "K ill Teams" who ran around killing civilians for sport and then collected b ody parts as trophies. In a particularly heinous so-called "incident" a so ldier by the name of Staff Sgt. Robert Bales went house to house in severa l villages stalking and murdering men\, women and children and attempted t o destroy the evidence by burning the bodies. The US was quick to say this was isolated and that the attacker acted alone. The official Afghan inves tigation however\, determined that up to 20 US military personnel were inv olved. Sgt. Bales was brought back to the US almost immediately and no Afg han official was ever allowed to interview him. The list of atrocities cou ld go on forever. This is the justice that the US & NATO have given us wit h their occupation.\n
Over the past year\, rumors have been circulat ing in the media about villagers taking up arms to defend themselves again st the Taliban. Not only that\, they have also stated that they are ready to fight the US & NATO forces. And they have little to no trust in the cor rupt central Afghan government. The rebellion is growing and is said to be active in over 50 villages from recent reports. And thats only in the eas t. The facts about these groups are hard to find\, but if these rebels are genuine in what they're saying\, then we support them. It must be said th at historically\, various rival political groups have been armed and funde d by foreign interests\, one of the worst offenders being the CIA. However \, Pakistan\, Saudi Arabia\, Iran\, China\, Russia\, India and other regio nal powers are equally guilty of causing chaos. These groups were vicious and tore communities apart and that is not what we support. What we need i s a true peoples resistance movement in Afghanistan dedicated to liberatio n.\n
Now we must ask ourselves "are we really in solidarity with the people of Afghanistan?". And "what are we doing to support them?"\n
Afghans for Peace has taken the same stance as those who are said to be i n rebellion. We are against the US/NATO occupation. We are against the Tal iban and we are certainly opposed to the wildly corrupt Afghan puppet regi me in place right now.\n
We want to see the resistance flourish! We support the resistance against imperialism! We support the resistance agai nst Taliban and we want our people free from the criminals that comprise t he central government! We want our people to have the right to self-determ ination! We want autonomy for our people! They have the right to defend th emselves against ALL oppressors!\n
At this point it has become clear that the US cannot sustain this war. US generals are desperately trying t o prop up an Afghan National Army and Afghan National police force. These same security forces have been in wide spread revolt! Attacking their US & NATO counterparts at an alarming rate. The most obvious sign of the occup ations unsustainability is that the US is losing more active duty soldiers to suicide than they are in the battlefield.\n
To the troops we say :\n
\nRefuse to fight!
\nStart a revolt amongst y our ranks!
To the Multi National Corporations and capitalists that are slowly plotting to rape our lands\; the oil companies\, the mining co mpanies and the thousands upon thousands of contractors we say:\n
\nGet out and be happy you still have your lives!
This message of anger should especially be heard by our own people who lea ve the west only to return to Afghanistan to be contractors and translator s for the occupying forces. These people are a disgrace to us all. This wa r would be impossible without them. They may be related to many of us\, bu t they are still an intricate piece in the wests colonial aspirations. The y've chosen sides already and therefore we're against them too.\n
We are fed up with the inaction of US lawmakers in doing next to nothing to end this war. From them\, we've come to expect this and we have no illusio ns that the state ever had the interests of the Afghan people in mind. Aft er all\, the US has been in a state of perpetual war since its inception. We are equally fed up with the inaction of the people living in west who h ave also done next to nothing to challenge their governments to end the wa rs. This includes our own people – the Afghan community and the US antiwar movement which continues with its played out tactics of singing and permi tted marches. We DO NOT need permission to express our outrage! These type s of demonstrations give people the illusion they've done something for th e Afghan people\, but in reality does absolutely nothing to stop the occup ation. This cooptation sucks the energy out of any real meaningful actions and pacifies much needed resistance. To them we say: stop tokenizing us. Stop using us as a way to increase your membership base and a way to make yourselves relevant.\n
Afghans for Peace is launching a new campaign \, "MISSION: FAILURE – 11 years of War & Occupation". This international c ampaign will take up many different forms\; from forums\, conferences and rallies to street demonstrations and direct actions. The launch of this la test campaign will start on the anniversary of the war. We call on the int ernational community to join us on Sunday\, October 7th in our actions acr oss the globe. If we are not present in your city\, we ask that you or you r group organize an action to bring an end to not only this war\, but ever y war. The impending war against Iran and Syria. The war on drugs. The war against women. The war against people of color and the poor. The war agai nst indigenous peoples and their lands. The war against our environment. A ll WARS.\n
This year we say NO to ALL WARS\, EXCEPT CLASS WAR!\n
* Afghans for Peace will not be bringing any group identifying banners or signs. We do not want any other group to bring signs identifying their groups either. We encourage everyone to come as individuals. Bring signs a nd banners with relevant messaging and lets keep our affiliations out it. We do not want any organizations or any endorsements. We want people to pa rticipate as individuals. Lets move forward in Solidarity.\n


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Sonia Kashuk At-A-Glance
Strengths: Affordable and widely available (though exclusive to Target stores); good makeup remover; the makeup is still the star attraction, with impressive options for foundation, powder, blush, lip color, eyeliner and especially makeup brushes.
Weaknesses: The concealers, eye pencil, and brow shapers are a letdown; the makeup palettes may seem convenient, but several of the included products perform poorly.
Perhaps best known for her years of work with supermodel Cindy Crawford, makeup artist Sonia Kashuk's well-chosen selection of makeup has been available exclusively at Target stores since the mid-1990s.
Kashuk's brushes have been a strong point, and now that they've been redone they're better than ever, and still affordable. This is definitely a makeup collection worth visiting, and you'll find some premium options among Kashuk's powder foundation, regular powders, and blush. Several other products, from foundation to lipsticks, are also worthy of attention, though this is not a line that caters to darker skin tones. Ironically, it's the latest cosmetic products that met with the most critical reviews, largely due to poor execution or their gimmicky nature.
For more information about Sonia Kashuk, visit soniakashuk.com or www.target.com.
Note: Sonia Kashuk products are also available at select Bloomingdales locations in New York and California. The company also maintains freestanding stores in New York and New Jersey.
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Citizen's For Access To The Arts Coalition News Conference
Actress Rosie Perez attends the Citizen's for Access to the Arts... News PhotoActress,Arts Culture and Entertainment,Attending,Brooklyn - New York,Celebrities,Horizontal,New York City,Press Conference,Rosie Perez,Television Show,USAPhotographer Jude DomskiCollection: Getty Images Entertainment 2013 Jude DomskiNEW YORK, NY - JANUARY 10: Actress Rosie Perez (center) attends the Citizen's for Access to the Arts Coalition news conference at Brooklyn Borough Hall on January 10, 2013 in the Brooklyn borough of New York City. The group is speaking out against Time Warner Cable Inc.'s decision to no longer carry the television channel Ovation. (Photo by Jude Domski/Getty Images)


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Not much rust on this bus! It was fun to drive (once I got it drivable!!). I bought it for the rebuilt 1835cc engine, but that engine froze after one 30 mile drive. Man. Can't win 'em all. It didn't have any miles on the rebuild (not done by me, mind you), but it had been 5 years since beezer's buggies had done the work (and I didn't have a receipt) so I was out of luck.


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Sometimes, it's what the teacher learns from his students, rather than the other way around.
I'll explain. I'm currently teaching an online course at Boston University about retirement. The students are working professionals from around the world, including Australia. Some are researchers, some financial advisers and some are working in the home office of big financial firms.
More often than not, I'm finding that I learn a thing or two about retirement that can be more than a little helpful to my readers. Here's an example: Four simple but essential steps to creating the complete retirement plan.
Getting the right mix of assets, products and withdrawal strategy
Advisers are increasingly using software programs such as MoneyGuidePro and Income Discovery rather than pencil, paper and calculator to build retirement-income plans. And with good reason. These and other sophisticated software programs are taking much of the guesswork out of retirement planning.
With Income Discovery, for instance, advisers such as Rick Fine of Sensible Financial Planning will enter information about your three main types of capital: human (your earnings from work), social (Social Security) and financial capital (your taxable and tax-deferred accounts) into the program. In addition, advisers will enter information about your current and future expenses.
Big tax bills can devastate your retirement savings. MarketWatch's Robert Powell and Andrea Coombes talk about strategies to employ before and during retirement to lower your taxes.
Check out the new
MarketWatch Retirement
RetireMentors: In-the-trenches advice
Ways to boost Social Security payout
Retire here, not there: California
10 things your 401(k) plan won't tell you
Fine also enters guidelines about what's called a maturity-matched portfolio, a portfolio typically made up of bonds—in many cases Treasury Inflation Protected Securities or TIPS—that mature to meet future expenses. (In other, words they are using bond ladders, a way to make sure that you are matching certain assets against certain future liabilities.)
Part of this exercise also involves assessing whether you are willing to purchase income annuities to make sure your future expenses are covered, as well as getting a handle on your tolerance for risk, expected rates of return and the like.
Add that all together and the software will figure out the optimal combination of annuities for you to buy, how much to invest in your maturity-matched portfolio, and a systematic withdrawal plan (SWP) that will lead to a successful outcome, said Fine.
According to Fine, the cash flows generated are for the least successful of all possible successful outcomes. What's more, the program also shows the failure rate, annuity purchases as percent of total assets, and maturity-matched portfolio as a percent of income.
For the maturity-matched portion of your portfolio, the Income Discovery program actually shows specific bond purchases right down to the individual CUSIP number of the security, the month and year of maturity, the number of bonds purchased, and total value, "so that we can actually implement the plan by requesting specific bonds through YieldQuest, or some similar company," Fine said.
Manish Malhotra, the brainchild behind Income Discovery and a MarketWatch RetireMentor, said the maturity-matched portfolio can be used to create a cash flow to match any type of expenses in retirement. "Its simplest use is to fill in for the cash flow that Social Security could have provided, if not deferred. By building a TIPS based ladder in such a case, one would be able to get the U.S. Government guaranteed cash flow for part of one's income, while still taking advantage of the higher Social Security benefit amount obtained on deferral of the claim.
Another use of the ladder, he said, is to provide cash flow to cover either all expenses or essential expenses if the investor is willing to reduce nonessential expenses under unfavorable market conditions. "The period of coverage would depend on the investor's age, risk attitude and current bond yields," he said. "A conservative investor may decide to lock in 10 to 15 years of expenses, while an investor with higher risk profile may lock in only three years of expenses. Low yields, like current yields, will further reduce the period length. "
Read "Bond Ladder—A Source of Certain Cash Flow," an article on Income Discovery's website which explains the bond ladder and its advantages over holding a bond-based mutual fund for generating the desired cash flow.
The lesson? Gone are the days when you can just wing it in retirement. Today, more than ever before, you have an opportunity to create the most optimized stream of income in retirement. Don't leave your precious hard-earned money on the table. Take advantage of the software available and the experts who get retirement-income planning.


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|WHS Tennis PPD
|Written by Mike Kelly
|Wednesday, 09 March 2011 14:38
The Watauga High men's tennis match at St. Stephens has been rained out.No make-up date has been announced as of yet. The Pioneers tennis team, which defeated Fred T. Foard 9-0 Tuesday afternoon, is 3-1 overall and 2-0 in the Northwestern 3A/4A Conference. Steve Lake, who battled a nagging back injury at the Port City Invitational last weekend and suffered his first loss of the year in singles play because of the injury, played Tuesday and night and won his match at No.1 singles. He did not compete in doubles play. Landon Taylor and Harrison Battle played No.1 doubles against the Tigers. The Pioneers, weather-permitting, travel to Alexander Central Thursday night.
The Pioneers will play a pair of heavyweights next week. They travel to Salisbury on Monday and then its off to Providence next Wednesday.
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WRGC Radio Orlando Dream Vacation Winner Announced
Karen Polyasko from Sylva is the winner of the WRGC Radio Dream Spring Break Vacation to Orlando Florida. Karen registered at Hollifield Jewelers on Main Street in Sylva. Karen works at Southwestern Community College and said she is excited about being able to take her family to Orlando, Karen said "the family has not been able to have a vacation for a while and this is really exciting for us." The Polyasko's will receive $700 in spending money, and four nights at the Summer Bay Resort just outside Orlando. Roy Burnette, WRGC Owner and General Manager was really happy to see this local family win. "This is just exactly what the contest was all about, giving a local family the opportunity to take a nice vacation while out of school for spring break."
Big WCU Ball Game Tonight
The WCU Men's Basketball team is off to their best start since 1994/1995 season. WCU, Elon, and UNC-Greensboro were the preseason picks for the top three slots in the division. WCU knocked off Greensboro on Saturday. Tonight ELON visits the Ramsey Center. A Catamount win tonight would give WCU their best start start even in league play.
Caution advised during current weather advisory
Up to four inches of rain is expected to fall before this rain system vacates the area on Thursday. The entire 540 WRGC coverage area is under a flash flood watch until Tuesday night.
Radon Awareness Month
The Environmental Protection Agency has joined forces with health agencies across the country to promote awareness of the leading cause of lung cancer for non-smokers. The American Lung Association, Centers for Disease Control, and National Cancer Institute all agree that radon is a National health problem and encourage radon testing during the January Awareness drive. Radon is a naturally occurring, invisible and odorless radioactive gas. One in fifteen American homes contains high levels of radon. Millions of Americans are unknowingly exposed to this dangerous gas. Harvard University ranks radon as America's leading in-home hazard. By taking simple steps to test your home for radon and fit is necessary, this health hazard could be avoided. Radon gas problems have been detected in every county in the United States and caused more fatalities last year than carbon monoxide, fires, and handguns combined. If you home has not been tested for radon in the past two years the Surgeon General urges you to take action by contacting your state radon office for information on locating a qualified test kit or qualified radon testers. The VA and other federal agencies will begin testing low income homes occupied by low income families who do not have the money for radon testing in their dwelling. learn more at RadonMonth.org.
Chief of Police Ben Reed stated: "This investigation has been on going for nearly two months and our law enforcement officers and the Priedt family have been very diligent in solving this case. Our officers have done an outstanding job and we are extremely encouraged by these arrests, many questions have been answered. But, there is a lot of work yet to be done to prepare for the prosecution of this case. This is a great example of law enforcement agencies and our community working together. I thank the Lord for what has been done and we will do our best to pray for the families of everyone involved."
George Nobles is charged with: (NC State Charges)
– 1st Degree Murder
– Armed Robbery
– Felon in Possession of a Firearm (2 counts)
– Pending Charge of Manufacturing Marijuana
Ashlyn Carothers is charged with: (Tribal Charges)
– Aid and Abet Armed Robbery
– Aid and Abet Homicide in First Degree
– Pending Charge of Manufacturing Marijuana
Dwayne Edward Swayney is charged with: (Tribal Charges)
– Tampering With Evidence***Tribal, State and Federal charges are pending.***
Five Forty Broadcasting Company LLC makes Payment to the Revolving Loan Fund
According to the ageeement reached with Five Forty Broadcasting Company LLC and the Jackson County Revolving Loan Fund in January, the first payment of the loan for the funds which were used to reopen WRGC Radio were due to be paid six months following the closing of the loan. The date for the loan payment is September 30th 2012. Five Forty Broadcasting made the Loan Payment on Friday Septemer 28th in the amount of $8404.93. An article in Smoky Mountain News several weeks ago stated that Five Forty Broadcasting Company was late on their payments to the county. This information was completely false, absent of the facts, and with no element of truth either suggested or implied. The payment to the Revolving Loan Fund was paid on time. The Full Time Equivalent (FT) for Five FForty Broadcasting Company for September was 8.5. That means WRGC will only have to increase the hours of current employees or add a couple of additional employees to be in full complaiance with the goals of the agreement set for of March 2014.


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Indian stocks, rupee surge on US stimulus move
The Indian stock markets' key indices surged by more than three percent, with the benchmark Sensex touching the highest level in three years, and the rupee zoomed to one-month high after the US Federal Reserve decided to continue with its USD 85 billion monthly bond-buying programme.
The 30-scrip S and P Sensex of the Bombay Stock Exchange (BSE) closed 684.48 points or 3.43 percent higher to 20,646.64 points, the highest level since Nov 11, 2010.
The US Federal Reserve Wednesday surprised the markets by deciding to refrain from reducing the pace of bond-buying programme. The speculation over reduction had led to a huge sell-off in Indian as well as other emerging markets and their currencies were battered.
The Indian rupee that tanked to a record low of 68.85 against a dollar Aug 28, soared to 61.70 level, the highest in over a month. The rupee also strengthened by nearly three percent.
The wider 50-scrip S and P CNX Nifty of the National Stock Exchange (NSE) gained 3.66 percent or 216.10 points to close at 6,115.55 points, the best closing level since May 2013.
The foreign funds bought aggressively in the Indian equities after the Federal Reserve's surprise move. The Fed said it will keep its bond-buying programme known as Quantitative Easing (QE), intact.
Market watchers were expecting that the Fed would cut the monthly stimulus of USD 85 billion by USD 10-20 billion.
Analysts said the Fed move has given the much needed respite to the Indian currency as well as the stock markets.
"The US Fed's decision on delaying tapering of QE3 would clearly provide respite to the rupee. We believe that now the RBI (Reserve Bank of India) has more headroom to focus on growth supportive measures," said Bhupali Gursale, economist at Angel Broking.
She said the RBI should now act to bring more stability in the currency markets.
"We believe that there is a higher probability now for the RBI to calibrate and ease its liquidity tightening measures that were taken in order to contain Forex volatility," Gursale said.
"At the same time maintaining inflationary expectations also remains a priority."
The Reserve Bank of India is widely expected to keep key policy rates on hold in the mid-quarter review of the monetary policy Friday.
Healthy buying was observed in bank, capital goods, metal, automobile and oil and gas stocks. However, information technology (IT) stocks declined in the day's trade.
The S and P BSE bank index gained 809.27 points, capital goods index closed the day's trade up by 374.44 points, metal index was up 305.21 points, automobile index was up 303.15 points and the oil and gas index was 246.17 points higher.
However, the IT index was lower by 32.90 points.
Suman Jyoti Khaitan, president, PHD Chamber of Commerce and Industry, said the Indian currency and the market would gain further as growth in the advanced economies remained sluggish.
"We believe that advanced economies are still in the sluggish growth trajectory and recent up tick in the growth numbers is only on the basis of various stimulus packages," Khaitan said.
"We expect markets to rebound and rupee to appreciate and consolidate at around 60 per dollar going forward," he added.
(Posted on 19-09-2013)


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Best of Entertainment
A Christie's employee looks at an oil painting by 17th century artist... Fotografia de notíciasArte, Cultura e Espetáculo,Christie's,Cidade de Nova Iorque,EUA,Horizontal,Ocupação,Ocupação Artística,Olhar,Pintura,Pintura a Óleo,Renovação,TrabalharPhotographer EMMANUEL DUNANDCollection: AFP 2013 AFPA Christie's employee looks at an oil painting by 17th century artist Charles Le Brun is on display at Christie's in New York, January 23, 2013. A major renovation at Paris's legendary Ritz hotel has resulted in the discovery of the painting that nobody knew was there. Now, the giant tableau is to be sold by Christie's auctioneers and could raise up to 500,000 euros ($665,000) for the foundation established by owner Mohamed Al Fayed in memory of his son Dodi, the late boyfriend of Princess Diana. The oil painting has been identified by experts as an early work by Le Brun (1619-1690) that would have been completed before he became the official painter at the court of Louis XIV and established his reputation as one of the dominant figures of 17th century French art. AFP PHOTO/Emmanuel Dunand 'MANDATORY MENTION OF THE ARTIST UPON PUBLICATION' (Photo credit should read EMMANUEL DUNAND/AFP/Getty Images)


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Home > Personal > Simplify Your Life > Bill Pay
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12 U.S. Code § 2702 - Mortgages eligible for assistance
No assistance shall be extended with respect to any mortgage under this chapter unless—
(2) the mortgagor and holder of the mortgage have certified that circumstances make it probable that there will be a foreclosure and that the mortgagor is in need of emergency mortgage relief as authorized by this chapter;
(4) the mortgagor has incurred a substantial reduction in income as a result of involuntary unemployment or underemployment due to adverse economic conditions or medical conditions and is financially unable to make full mortgage payments;
(5) there is a reasonable prospect that the mortgagor will be able to make the adjustments necessary for a full resumption of mortgage payments; and
Source(Pub. L. 94–50, title I, § 103,July 2, 1975, 89 Stat. 249; Pub. L. 111–203, title XIV, § 1496(b)(1),July 21, 2010, 124 Stat. 2207.)
2010—Par. (2). Pub. L. 111–203, § 1496(b)(1)(A), substituted "have certified" for "have indicated in writing to the Secretary of Housing and Urban Development (hereinafter referred to as the 'Secretary') and to any agency or department of the Federal Government responsible for the regulation of the holder" and struck out "(such as the volume of delinquent loans in its portfolio)" after "circumstances" and ", except that such statement by the holder of the mortgage may be waived by the Secretary if in his judgment such waiver would further the purposes of this chapter" after "by this chapter".
Par. (4). Pub. L. 111–203, § 1496(b)(1)(B), inserted "or medical conditions" after "adverse economic conditions".
Effective Date of 2010 Amendment
Amendment by Pub. L. 111–203effective on the date on which final regulations implementing that amendment take effect, or on the date that is 18 months after the designated transfer date if such regulations have not been issued by that date, see section 1400(c) ofPub. L. 111–203, set out as a note under section 1601 of Title 15, Commerce and Trade.
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


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North Face
Surgent Pullover Hoodie (Boy's) (out-of-stock)
Out of Stock Product Number: 30790
To warm up properly, grab the boy's North Face Surgent Pullover Hoodie. Its moisture wicking fabric stretches easily, allowing him to move freely.
* This product does not qualify for shipping to all countries.
Gender: Youth
Weight: 295 g (10.40 oz)
Material: 100% polyester jersey faced fleece
Fit: Center Back: 23"
Season: S13
Vendor ProductId: AYXW
Review ProductId: 30790


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|Stolen Goods Sought After Break-In Arrest
|Written by Caldwell SO Press Release
|Monday, 23 September 2013 05:53
Caldwell Sheriff Alan C. Jones announces that a resident of Burke County has been arrested in Connection to a Breaking and Entering that occurred in the Oakhill Community. Johnny Everett Setzer, age 42 was arrested on Wednesday, September 18th on McRary Place in Lenoir.
The arrest was made in relation to a Breaking and Entering that occurred on the Morris Creek Road in the Oak Hill Community on Sunday, August 25th. During the incident multiple firearms, jewelry, and electronics were taken from the home on the Morris Creek Road. A lengthy investigation led investigators to the identity and location of Setzer. The investigation is still active at this time as all of the property stolen has not yet been recovered. Investigators anticipate additional arrest to be made in this case. Assistance from Surveillance Footage at the location of the Breaking and Entering assisted with this investigation. If anyone has received property or has further information about this case please contact Detective M.H. Coleman at 828-759-1554.
Johnny Everette Setzer, age 42 of 2082 Hwy 70 Connelly Springs, NC has been Charged with:
Felony Breaking and Entering
Felony Larceny
Felony Possession of Stolen Property
Johnny Everette Setzer was placed in the Caldwell County Detention Center under a $50,000.00 secured bond. Investigators will be seeking a Habitual Felon status related to this arrest.
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Lois Koteen, Organizational Systems
Lois KoteenOrganizational Systems Student
"I grew up in a synagogue," says Lois Koteen. "I was a goody-two-shoes and every week I went with my dad to services and went to Jewish summer camp."
Like many people, by her early 20s she was ready to rebel. She left and didn't look back. "I didn't walk into a synagogue again until my daughter was born."
But having a child got her thinking about her childhood, and her beliefs, and the way she wanted her own daughter to grow up. She couldn't go back to the religion, or the faith, of her youth … but perhaps there was something in that spiritual life that she wanted to invite into her life?
"I needed to reevaluate again – rethink how I felt about religion," she says. "I went to a seminar where the rabbi was talking about communicating with your children, and he said 'you can drop your children off at religious school and then go shopping or whatever – but the message they're going to get is that it really doesn't matter.' At that point I decided that it did matter, and so I started going to services every week and participating in the community as an active member."
Along with her return to religion came a renewed love of scholarship. She was working in television program promotion, and while she loved television as an industry it wasn't satisfying her intellectual needs. So she went back to school, getting her masters degree in Organizational Systems from the University of Hartford.
Those seemingly unrelated events came together suddenly when she ran into someone who had been working with the Greater Hartford Jewish Federation. The Federation had been trying to find ways to help synagogues adjust to the modern world – where people like Lois had been leaving in droves and not coming back. They were looking for facilitators to help this process, and when they realized Lois now had credentials they told her "You're perfect!"
"This was a total career change for me. I'd spent all of my life in television promotion and advertising," she remembers. "It had been a wonderful business to be in, but when I started they were doing wonderful documentaries, were interested in having an impact on the local level … now they're interested in money." So she took the job.
Since that time she's helped nine synagogues transition from the past to the future – working to hold on to their core values while appealing to people who are increasingly treating spirituality as if it were a trip to the mall.
"People are looking for a spiritual experience, one that touches their heart – they feel a need for spiritual fulfillment, and so there's a need for synagogues and churches, which can provide that better than any other place" she says. "But what that means is very different today than it was 50 years ago. When I grew up, people joined synagogues and churches because that's what you did. It was the norm. No longer: now people want to worship in a way that feels good to them, and if the house of worship they attend isn't in touch with that need they'll find another one, or not go at all."
The key to success, she's found, is connection: if a house of worship can connect its congregants to each other in ways they find meaningful, then they in turn will feel authentically connected to their house of worship.
Unfortunately too many synagogues try to chase people of meaningful participation, instead of welcoming them in.
"The professional staffs get together and make all the decisions and decide what the congregants want without talking to them, without asking them, without initiating any sort of conversation." The result is that many families stay active until their children reach 13, have their bar or bat mitzvah, and then drop out. Why would they stay, after all, in an institution where they are little more than dues paying spectators?
She used her expertise – both as a layperson and as a scholar – to help them turn that around, changing everything from their governing structure to their social functions, and it's been working. A new institutional emphasis on life-long learning and meaningful community outside the synagogue's walls has kept established parishioners and attracted new ones. She loves her new calling, and she decided to take it to the next level by getting a PhD. This time, she chose Saybrook.
"I really liked Saybrook's humanistic approach to all of the disciplines – organizational systems as well as psychology," she says. "I felt that I fit in with Saybrook, so I enrolled, and I thank my lucky stars every day of my life that I made that decision. Faculty have been mentors: they have pushed me to places I never thought I could go. The one-on-one opportunities that Saybrook offers are wonderful – the chance to get together with the whole group is very helpful. I have recommended Saybrook to a dozen people."
Her thesis focused on her work, and enabled her to understand the trends that mattered to her at even deeper levels. Now she's preparing to take her work to the national stage, consulting for synagogues across the country.


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Our four Charity Partners are how we make a deep - and focused - impact.
During the Inaugural Season at Marlins Park, the Marlins made a pledge to partner with five nonprofit organizations to serve South Florida's youth through unique programs. We continue our commitment to serve by selecting four nonprofit organizations every season to become Charity Partners. Through the Charity Partner Empowerment Fund, four nonprofit organizations are awarded not only with a $25,000 contribution, but also a lasting partnership which includes unique experiences and offerings. Through our Charity Partners we are able to make a deep - and focused - impact in our South Florida youth through education, the arts, baseball. The Marlins community partnerships and outreach efforts demonstrate our leadership in Corporate Social Responsibility and civic engagement.
To donate to the Charity Partner Empowerment Fund, click the button below.
Their mission: To provide children facing adversity with strong and enduring, professionally supported one-to-one mentor relationships that change their lives for the better, forever.
Their mission: Special Olympics mission is to provide year-round sports training and athletic competition in a variety of Olympic-type sports for persons eight years of age and older with Intellectual Disabilities, giving them continuing opportunities to develop physical fitness, demonstrate courage, experience joy, and participate in a sharing of gifts, talents and friendship with their families, other athletes and the community.
Their mission: Up2Us is a national nonprofit organization that is focused on the power of coaches to transform the lives of our nationâs most vulnerable youth, and the communities they live in, through sports.
Their mission: YAA's mission is to provide inspiring, interactive experiences in which art is central to shaping young minds and enriching our community.
The Miami Marlins are proud to have partnered with several exceptional Charity Partners in the past.
2014 Charity Partners
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Name Meaning Dictionary
Origin and meaning of Samia
Assalamualaikum and congratulations on your new baby! Whether its yours, friends or family, we hope that you can find the perfect muslim baby name here! inshaAllah. We provide thousands and thousands of muslim baby names, so you're certain to find the best one that suits the new little one, use the meanings to see if that's what character you want them to grow up to have, inshaallah. We hope you enjoy using the site, and if you liked it, please rate the name and share us on social networking sites, inshaAllah! =D
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We have a huge list of unique and uncommon names as well, which many people would like to find for your muslim baby boy or muslim baby girl.


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BARTON–Hunter Perkins struck out 16 batters, including setting down the side in order by way of the K three times, as Hartford defeated Lake Region 9-2 to win the Vermont State 12-U Cal Ripken championship on Sunday afternoon.
Lake Region coach Shawn Perron was extremely proud of his team's efforts in the loss.
"I thought it was a well rounded effort," said the coach. "I thought our bats did what I expected them to do, and our defense was awesome. Defense is what kept us in this entire game."
For the full story, see the Express on Monday, 7-8-13.


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|Professional, Construction Jobs Up
|Written by Steve Frank
|Sunday, 21 October 2012 06:08
More encouraging economic news, as North Carolina's seasonally adjusted unemployment rate decreased another 0.1 of a percentage point in September to 9.6 percent. We still lag behind the nation, with the national rate declining .3 of a percentage point to 7.8 percent.
There's also encouraging news in where the gains took place, with the largest over-the-month increase in the Professional & Business Services sector, which gained 6,000, followed by Construction, adding 1,100 jobs. Construction increases generally mean improvement in a number of areas, such as housing and business expansion. Since September 2010, North Carolina has gained 79,300 nonfarm jobs. North Carolina's September 2012 unemployment rate is 1.1 percentage point lower than a year ago. The number of people employed (smoothed seasonally adjusted) increased by 29,232 to 4,225,436 over the month, and by 61,656 over the year. The state unemployment rate in September 2011 was 10.7 percent. Seasonally adjusted Total Nonfarm industry employment, as gathered through the monthly establishment survey, increased by 100 to 3,953,000 in September. The next unemployment update is scheduled for Friday, Nov. 2, when the county unemployment rates for September 2012will be released.
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Men's Soccer Battles Omaha to 1-1 Draw in Final Exhibition
OMAHA, Neb. – The No. 6 Creighton men's soccer team held a 1-0 lead at halftime but cross-town foe Omaha answered in the second half to knot the game at 1-1 as the Bluejays and Mavericks battled to a regulation tie in the final exhibition match for both squads at Morrison Stadium Friday night.
Creighton junior Zabarle Kollie scored his first goal in a Bluejay uniform in the 38th minute off of a threaded pass from sophomore Timo Pitter. Kollie connected on a header and pushed it into the left side of the goal to give the Jays an early advantage.
CU went into halftime with the 1-0 lead.
Omaha responded in the second half when Vance Rookwood scored an unassisted goal in the 74th minute to knot the match at 1-1. Emerging from a screen, Rookwood sent a shot into the left side of the net to tie the score.
A vocal crowd of 3,133 watched the cross-town foes battle at Morrison including large student contingents from both schools.
Creighton opens the regular season on Aug. 30 when it hosts No. 14 Tulsa at 7:30 p.m. at Morrison Stadium as part of a soccer doubleheader with the CU women's team beginning at 5 p.m. against North Dakota.


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Five presidential…
iStock / hidesy
Michal Zacharzewski/SXC
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Click here to see which screening tests women should have done to take precautions with their health.
More women with cancer in one breast are opting to have both breasts removed to reduce their risk of future cancer.
Take a look at some of the foods -- including onions and walnuts -- that might help people fight breast cancer.
Besides the usual suspects we worry about when it comes to our diets, should cancer be something we should add to our list of food worries?
When you hear "breast cancer" it can actually mean one of several kinds of problems.
Find out why some types of breast cancer have different survival rates than others.
Mayo Clinic News Network
After battling breast cancer, one woman puts back on her running shoes to fight against the disease.
Listen as Pamela tells the story of her fight against breast cancer.
Experts explain other symptoms you should be aware of that could signal breast cancer.
Angelina Jolie's decision to undergo a double mastectomy earlier this year has other women wondering if they also should take action.
After treatment, breast cancer survivors will need to make some adjustments as they prepare to resume their day-to-day activities.
Despite increased attention to women's health issues, there are still many health risks that women need to know about that are not getting a whole lot of attention.
Chemotherapy can cause side effects in patients. Find out what to expect and how to cope with the side effects.
Self-examinations can help women find problems with their breasts even when they don't have a mammogram or regular checkup scheduled.
Exercise can improve how cancer patients function physically, as well as increase their quality of life.
Sometimes it can be difficult to know how to make a difference when it comes to something as overwhelming as cancer. But there are plenty of ways to help in the battle against breast cancer.
Find out how yoga can benefit cancer survivors.
Would you be willing to sleep in more to add another two years to your life? Maybe floss more often in exchange for another year of living? How about having sex more often to extend your life expectancy?
Learning you have breast cancer can come as a shock. After coping with the initial diagnosis and gathering support from your loved ones, there are questions you should ask your cancer-care team to make sure you are getting the information you need.
When you see a pink ribbon, most people can identify that it represents a cause connected to breast cancer. But how did the pink ribbon come to be the symbol of breast cancer?
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Video: Masters, Jesseman earn fastest Mainer honors
Video: Samuelson speaks after latest Beach to Beacon
CAPE ELIZABETH, Maine (NEWS CENTER) -- Twenty-seven year-old Micah Kogo of Kenya has won the 16th TD Beach to Beacon 10K with an unofficial time of :28:03.03.
Fellow Kenyans Silas Kipruto (:28:08.5 unofficial), Emmanuel Mutai (:28:22.0 unofficial), and Stephen Kipkosgei-Kibet (:28:27.1 unofficial) came in second, third and fourth. Meb Keflezighi of the U.S. finished fifth with an unofficial time of :28:37.2
The men's record time of :27:27.7 was set in 2003 by Gilbert Okari of Kenya.
Riley Masters, 23, was the first men's finisher from Maine with an unofficial time of :30:19.3. Masters is from Veazie.
Kenyan Joyce Chepkirui, 24, led the women's division with an unofficial time of :31:23.2.
RESULTS: 2013 TD Beach to Beacon Official Results
VIDEO: Watch finish line video of the 2013 TD Beach to Beacon 10K
Gemma Steel of the United Kingdom finished second with an unofficial time of :31:35.3. Sule Utura (:31:37.7 unofficial) and Yebrugal Melese (:31:39.5 unofficial) -- both of Ethiopia finished third and fourth. Kenyan Linet Masai was fifth with an unofficial time of :32:03.6.
The women's record time of :30:59.4 was set in 2010 by Lineth Chepkurui of Kenya.
Erica Jesseman, 24 of Scarborough, was the first women's finisher from Maine with an unofficial time of :34:17.6.
A new record was set in the men's wheelchair division. With an unofficial time of :21:53, Krige Schabort, 49, took almost a minute and a half off the record set by Patrick Doak in 2007 (:23:27). Schabort is from Georgia. Craig Blanchette of Washington state finished second (:23:46 unofficial) and John Sloan was third (:43:24 unofficial).
For the women, Cape Elizabeth's own Christina Kouros, 18, finished with an unofficial time of :41:17. The record (:28:00) was set by Laurie Stephens in 1999.
The beneficiary of the 2013 TD Beach to Beacon 10K is The Opportunity Alliance. 6,500 runners participated in Saturday's race.


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The Guard
Suspense/Thriller, Comedy
Sergeant Gerry Boyle, a salty village cop in Ireland, has a subversive sense of humor, a caustic wit, and an uncanny knack for keeping people at arm's length. When a straitlaced FBI agent chasing an international drug-smuggling ring hits town, Boyle has no intention of letting the arrival disrupt his routine of hookers and wisecracks. Initially, he relishes offending and ridiculing the agent, but a murder and a series of peculiar events draw the reluctant sergeant into the investigation.
Cast: Liam Cunningham, Brendan Gleeson, Don Cheadle, David Wilmot, Rory Keenan
Produced by:
Directed by: John Michael McDonagh
Written by: John Michael McDonagh
Running time: 1hr 36min
Opens: Jul 29, 2011 Limited
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