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The Leading eBooks Store Online
for Kindle Fire, Apple, Android, Nook, Kobo, PC, Mac, BlackBerry...
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Most popular at the top
Values and Political Change in Postcommunist EuropePalgrave Macmillan 1998; US$ 243.00
This is a book about political values - socialist, nationalist, liberal and democratic values - in five former communist countries: Russia, Ukraine, Hungary, Slovakia and the Czech Republic. Based on eleven surveys involving extended interviews with 7350 members of the public and 504 Members of Parliament it provides an authoritative account of the... more...
ESV Men's Devotional BibleCrossway 2015; US$ 34.99
The �Men?s Devotional Bible� will strengthen men in their walk with Christ, helping them apply the gospel and the truth of God's Word in their homes, churches, and workplaces. more...
Reading the DifficultiesUniversity of Alabama Press 2014; US$ 34.95
The bold essays that make up Reading the Difficulties offer case studies in and strategies for reading innovative poetry. Definitions of what constitutes innovative poetry are innumerable and are offered from every quarter. Some critics and poets argue that innovative poetry concerns free association (John Ashbery), others that experimental poetry... more...
Medievalia et Humanistica, No. 34Rowman & Littlefield Publishers 2009; US$ 97.99
Since its founding in 1943, Medievalia et Humanistica has won worldwide recognition as the first scholarly publication in America to devote itself entirely to medieval and Renaissance studies. Since 1970, a new series, sponsored by the Modern Language Association of America and edited by an international board of distinguished scholars and critics,... more...
Infantile AutismJessica Kingsley Publishers 2014; US$ 25.00
With updates from some of the best-known names in the autism field, Bernard Rimland's seminal work on autism theory is made available for a new generation of readers in this anniversary edition. more...
Radical Poetics and Secular Jewish CultureUniversity of Alabama Press 2011; US$ 39.95
"What have I in common with Jews? I hardly have anything in common with myself!" --Franz Kafka Kafka's quip--paradoxical, self-questioning, ironic--highlights vividly some of the key issues of identity and self-representation for Jewish writers in the 20th century. No group of writers better represents the problems of Jewish identity than Jewish... more...
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Very nice hotel for a familiy in a green area. Rooms are nice, typical and cosy. The food is delicious, the team is charming, the daily shuttle bus offers an interesting and cultural view of the neighbourhood. Welcoming beach with seats and shuttle bus A relaxing stay without worries as the team takes care of their members and try to... More
What is Certificate of Excellence?
TripAdvisor awards a Certificate of Excellence to accommodations, attractions and restaurants that consistently earn great reviews from travelers.

subset: commoncrawl


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jason stone
Two SR-71 aircraft were used by NASA as testbeds for high-speed, high-altitude aeronautical research. The aircraft, an SR-71A and an SR-71B pilot trainer aircraft were based at NASA's Dryden Flight Research Center, Edwards, Calif. They have been loaned to NASA by the U.S. Air Force. Developed for the USAF as reconnaissance aircraft more than 30 years ago, SR-71s are still the world's fastest and highest-flying production aircraft.
The aircraft can fly more than 2200 miles per hour (Mach 3+ or more than three times the speed of sound) and at altitudes of over 85,000 feet. This operating environment makes the aircraft excellent platforms to carry out research and experiments in a variety of areas -- aerodynamics, propulsion, structures, thermal protection materials, high-speed and high-temperature instrumentation, atmospheric studies and sonic boom characterization.
Pulled this from mdsea... gorgeous aircraft


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Wireshark's New 1.2
Wireshark 1.2 introduces a few "new and exciting" features for its network protocol analyzer software.
Wireshark's trend in its new release is toward geo-targeting features: the tool now does GeoIP database lookups on demand for geographic locations for IP addresses and integrates the results with OpenStreetMap. Printing them out is now easier with improved PostScript support.
Wireshark 1.2 also saves the last used configuration profile, compares IP packets and has Capinfos show the average packet rate. With Pcap-ng, it supports the next-generation capture file format. Also on board is the c-ares library, written in C, that resolves DNS names asynchronously and has claimed advantages over the GNU project's ADNS library. Not least of all, the new Wireshark includes new protocol support and recognizes more data formats than version 1.0.
The more visible features include a "spiffy" new start page, a 64-bit Windows installer and a more workable Mac OS version. A whole list of features and updates are on the project page, with the source code available from the download page.
Issue 23: Raspberry Pi Adventures/Special Editions
Buy this issue as a PDF
Photon Controller Goes Open Source
VMware bids for a stake in the container industry with a bold effort to integrate containers with its classic virtualization system.
New Point-and-Click Exploit Kit Appears in the Wild
3ROS attack tool lowers the technical bar so anyone can be an intruder.
Firefox Finally Gets Tracking Protection
Mozilla's latest browser offers powerful new privacy feature
New Password Looter Tool Steals Passwords from a Password Manager
If attackers are on your system, saving your passwords in a password vault is no protection.
Over a Million Websites Are Still Using SHA-1
Faulty hash algorithm persists, despite efforts by experts to raise awareness.
Dyreza Malware is Back
Powerful man-in-the-middle attack is now targeting online shopping.
Kernel Developer Matthew Garrett Forks the Linux Kernel
Another high-profile coder says the kernel team needs a kinder, gentler culture.
Bugzilla Bug
Bug database has a bug of its own that could allow an intruder to create an unauthorized account.
US Launches New Strategy for Broadband Access
Report focuses federal resources on achieving universal Internet access.
RC4 Finally Gets the Fork
Leading browser makers say "no" to porous encryption algorithm


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Glitter Silk Gift Bag and Box
July 21, 2014 by Core'dinator
Filed under Core Blog, Provocraft, Spellbinders, Xyron
Spotted Cardstock Winner!
May 27, 2014 by Core'dinator
Filed under Core Blog, Spellbinders
We hope you had a great long weekend! First up, we have a winner from our giveaway.
Love this cardstock thanks for a chance to win !!
Ruby email email@example.com to claim your prize by June 1st, 2014
Next up we are showcasing Chocolate Box on the blog this week. What a sweet treat…
chocolate covered cardstock! Sand, tear and emboss it to reveal the yummy colors hidden beneath the texture. It is available in 12×12 assorted packs, 6×6 and Cut & Emboss. And don't forget single sheets for those special projects, too. First up we have Kate Nolan Denham with a masculine layout filled with TONS of technique!
I wanted to create a very "boy" layout with the photos of my Grandson so I immediately grabbed my stock of Core'dinations Chocolate Box Cardstock. I embossed, debossed, and die cut my way through the Chocolate Box on this layout! Each piece of Chocolate Box was sanded to show the great core colors I chose to compliment Seth's plaid shirt.
Handmade birdhouses with Clare Buswell
April 22, 2014 by Core'dinator
Filed under Core Blog, Spellbinders
And a close up:
Introducing Clare Buswell!
May 29, 2013 by Ellen
Filed under Core Blog, Provocraft, Tim Holtz, Tim Holtz & Ranger Adirondack Collection, Tim Holtz & Ranger Collection, Tim Holtz & Ranger Distress collection
Hi! My name is Clare Buswell. I live in the south-west of Ireland in the countryside with Niall and our lovely 5 year old daughter Isabelle.
I've always been creative in some form or another, I studied graphic design at art college. I only discovered the whole world of paper-crafting after the birth of my daughter when I had little time but longed to be creative again. Card-making was the perfect answer for me and is now my passion. I also really love to make 3D paper projects. I love stamping, quilling and making my own embellishments, especially paper flowers! I love trying out different techniques and coming up with my own. I also love to paint with acrylics and watercolors.
I've been lucky enough to have my work published in Paper Crafts, CARDS and CardMaker magazines in the US and I design regularly for Cardmaking and Papercraft Magazine in the UK.
When I'm not paper-crafting I love to spend my time gardening, baking and with my family.
I'm really excited to be part of the Core'dinations ColorCore Cardstock design team!
Cute layout – those little arrows get to the point!
love the spotted cardstock- would love to have some to try~
Spring has almost Sprung!
April 4, 2013 by Ellen
Filed under Core Blog, May Arts Ribbon, Spellbinders
As you may have noticed…we, okay me, LOL….have been really ready for Spring around here. My daffodils are almost ready to bloom which means it won't be long now.
Today we have Designer Andrea Amu with an "Upcycled Spring Basket" using Core Pastels collection. This project also features product from our friends over at May Arts ribbon and Spellbinders.
And nothing screams Spring like birds! This monogram door hanger was featured in August 2012 Cricut Magazine…isn't it gorgeous??!?!?!?!? Andrea works that Cricut for sure!
On here you will see some Vintage Core and Core Essentials and May Arts ribbon.
Love love all the glittery accents!
Are you a Hard Core Crafter?
May 2, 2012 by Ellen
Filed under Core Blog, Spellbinders
Do you want sneak peeks of BRAND NEW releases?
View EXCLUSIVE videos?
Be automatically signed up for CONTESTS to win loads of CORE?
Then sign up HERE!
Please note that the winning emails went out yesterday for our April Grand Prize Giveaway so check those in boxes!!!
It could be YOU! Please use the link provided in the email to enter your name and address information. Prizes will be sent once all the winners have responded.
In the meant time…check out some new videos and tell your friends to sign up! The more members we have the more winners there will be!
So how about a card from none other than our fabulous cardmaker, Design Team Member Debbie Standard!
Love the Black Magic against the Glitter Silk, don't you? And check out those flowers using a Spellbinders Die…gorgeous!


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Our Mission
The mission of the English Language Institute is to provide language instruction, academic support, and intercultural training which enable all members of the University of Michigan community, regardless of the language in which they were raised or educated, to fully participate in the life of the University and to excel in their scholarly, instructional and professional endeavors throughout their academic careers. In the firm belief that this effort enriches the educational experience of domestic and international students alike, the ELI strives to collaborate with units across the University to foster an open, welcoming climate and to connect the Ann Arbor campus with the world.
ELI Programs and Services +
The ELI is an independent unit of the College of Literature, Science, and the Arts which provides language, academic, and intercultural support to members of the University of Michigan community. The core of the ELI's offerings consists of a full range of credit-bearing English for Academic Purposes courses for international graduate students. We also offer a comprehensive program of language and pedagogy courses for prospective and current graduate student instructors (GSIs), ESL/EFL teacher education courses for undergraduates, and full-time summer intensive programs for students who have been accepted into degree programs at the University of Michigan or other US institutions of higher education.
Other ELI support services include writing and speaking clinics in which international graduate students and GSIs can receive one-on-one language and academic support; courses for visiting scholars, researchers, faculty, staff, and post-docs; and a volunteer Conversation Circles program which provides international students with practice speaking English in an informal setting and domestic U-M students with opportunities to learn about other cultures.
English for Academic Purposes (EAP) Courses for Graduate Students: The core of the ELI's offerings consists of a full range of credit-bearing English for Academic Purposes courses for international graduate students in all U-M schools and colleges. In the fall and winter semesters, ELI offers over 30 EAP courses, which students take concurrently with their graduate coursework. Our EAP curriculum incorporates the findings of the latest research in discourse and genre analysis in order to provide students with the linguistic and communicative skills they need to become effective, fully-participating members of the academic community at U-M and to excel in their academic and professional careers in the future.
GSI Training Program: A comprehensive program of language and pedagogy courses for prospective and current graduate student instructors (GSIs) in LSA and other U-M schools. This program directly supports the instructional mission of the University by providing international GSIs with training and practice in the language of the classroom and techniques for establishing effective relationships with their students and leading effective discussions and lab sessions.
Teacher Training: ESL/EFL teacher education courses which prepare undergraduates to teach English to nonnative speakers in local communities or abroad. These courses provide prospective teachers with a solid foundation in the principles of second language acquisition and approaches to second langauge teaching. They also incorporate a strong focus on service learning in order to encourage the development of a reflective, socially-engaged teaching practice.
Summer Intensive Programs: Full-time summer intensive programs for students who have been accepted into degree programs at the University of Michigan or other US institutions of higher education. We currently offer three programs: English for Academic Purposes, English for Business Studies, and English for Legal Studies.
Courses for Visiting Scholars, Researchers, Faculty, Staff, Post-Docs: Fee-based courses for members of the Michigan community not currently enrolled in a U-M degree program. These courses are designed to provide language skills and academic acculturation which will enable these important members of the
Clinics: One-on-one language and academic support for international graduate students and GSIs. ELI Currently offers Graduate Writing Clinic, Graduate Speaking Clinic, and GSI Speaking Clinic.
Conversation Circles: The ELI Conversation Circles are a volunteer program in which Native-English-speaking volunteers lead a small group of international graduate students for an hour of conversation a week. Conversation Circles provide enable international students to practice spoken English in an informal setting and provide domestic U-M students with the opportunity to learn about other cultures. They thus help support international students at U-M and promote intercultural exchange.


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Apple introduces Aperture for pro photographers
updated 01:10 pm EDT, Wed October 19, 2005
Apple introduces Aperture
Apple today introduced Aperture, to be available through the , the first all-in-one post production tool designed to provide everything photographers need after the shoot. Aperture features powerful compare and select tools, nondestructive image processing, color managed printing and custom web and book publishing. "Aperture is to professional photography what Final Cut Pro is to filmmaking," said Rob Schoeben, Apple's vice president of Applications Marketing. Compare and select tools in Aperture allow photographers to easily sift through massive photo projects and quickly identify final selections, and the application automatically groups sequences of photos into easy-to-manage stacks based on the time interval between exposures. Aperture will be available in November for $500 (system requirements were unavailable).
Aperture allows photographers to navigate through entire projects in a full-screen workspace that can be extended to span multiple displays, tiling multiple images side-by-side for a faster, easier compare and select.
The Loupe magnifying tool examines portions of images in detail without the need to zoom and pan across large files. A virtual Light Table builds simple photo layouts, rearranging, resizing, and piling them together in a free-form space. RAW images are maintained natively throughout Aperture without any intermediate conversion process, and can be retouched using a suite of adjustment tools designed specifically for photographers. Aperture's nondestructive image processing engine never alters a single pixel of original photos, giving photographers the power and flexibility to modify or delete changes at any point in the workflow. Aperture can create multiple versions of a single image without duplicating files, allowing experimentation without risk of overwriting the master image or using up large amounts of hard drive space. Aperture images can also be launched directly into Adobe Photoshop for compositing and layer effects. Aperture features a complete color-managed pipeline with support for device specific ColorSync profiles and a set of high-quality output tools for showcasing work. Print options include customizable contact sheets, high-quality local printing, and color-managed online prints.


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Moda Kitchens
91% approval from 2 authenticated ratings (view ratings)
Take a look at these registered NoCowboys businesses nearby
ODA Construction Ltd
Kitchen Mania Ltd
McConchie Builders Ltd
Is Moda Kitchens your business?
- Register it now to promote your services, showcase your work & quote on jobs
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- See what you get for your registration
- Ask NoCowboys questions and let us help you register your page
Business information
Mt Wellington
Phone number
09 835 2221
Physical address
Categories we service
Kitchen Fittings & Design
Areas we service
Wellington Region, Wanaka Area, Waitakere City and Suburbs, Waikato & King Country Region, Waiheke and Gt Barrier Islands, Rodney Area, Queenstown Area, Papakura Area, North Shore City and Suburbs, Manukau City and Suburbs, Hutt Valley Area, Hamilton Area, Franklin Area, Canterbury Region, Auckland Region, Auckland City and Suburbs
Authenticated ratings (2)
"We were at the budget end of the market, but due to the shape of our kitchen, we had to get some custom shaped kitchen units. Moda were perfect for this. They provided a really cost effective kitchen (almost as cheap as the Mitre 10/Bunnings kitchens), with the benefit of custom sizes, a larger range of colours and soft closer drawers. We were very impressed with the initial design service provided by Moda and the price was great. The only place were Moda fell down was with their installation.…" – Tarryn – 30th Aug, 2012 – More details…
"I was going to use a DIY store as I thought I couldn\'t afford a designer kitchen, but then my friend recommended Moda. My kitchen looks like it cost me a lot more and my friends are all really impressed. I would recommend them to every one. Gabi was so helpful and full of ideas. The design she did in the end didn\'t look anything like a diy kitchen. The delivery guys and the installers were superb. Bart was so friendly and couldn\'t do enough to ensure we were happy. Genuine company, trying…" – Linda – 4th Jul, 2011 – More details…
Unauthenticated ratings (1)
- "I can\'t believe it worked just as they said it would. I was a little worried because the price seemed a bit low, but I am rapt. Go moda!" – Collette, 24th Nov, 2010 – More details…


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Once considered "a woman's disease," depression affects more than 6 million men in the United States each year, according to the World Health Organization.
Common symptoms of depression include fatigue, sleep disturbances, apathy, appetite changes. Untreated depression can be deadly; each year 34,000 people commit suicide -about one death every 15 minutes and twice as many deaths as caused by homicide.
Depression may not be the only underlying cause, but is a definite risk factor for suicide. The differences in which men and women react to depression may be stark and surprising to some.
Jed Diamond says in the book "Male Menopause: About Mens' Depression." Women tend to blame themselves, while men tend to blame others.
Women feel sad, apathetic and worthless, while men feel angry, irritable and ego inflated.
Women feel anxious and scared; men feel suspicious and guarded.
Women avoid conflicts at all costs; men create conflicts.
Women feel slowed down and nervous; men feel restless and agitated.
Women have trouble setting boundaries; men need to feel in control at all costs.
Women find it easy to talk about self-doubt and despair; men find it "weak" to admit self-doubt or despair.
Women use food, friends, and "love" to self-medicate; men use alcohol, television, sports and sex to self-medicate.
"The reasons for this maybe largely cultural," said John Funk, a licensed independent social worker in Las Cruces. "It is more socially acceptable for men to express anger, than sadness."
And how many times did you hear "big boys don't cry" as a child?
Though women may attempt suicide more than men, men in the U.S. are nearly four times more likely than women to complete suicide, according to the Center for Disease Control. Often this is because men will choose more lethal methods, such as a gun. Often money problems, health problems, including sexual dysfunction can lead to the depression. The influence of alcohol and other drugs cannot be down-played, as I have always believed that alcohol in particular will disinhibit someone enough to complete suicide.
Men with depression may also wait longer to be diagnosed or treated and may develop a more devastating mental health problem. Dave Cullens, in the New York Times this June, tied depression in its most extreme form, to mass killers.
"Of the tiny fraction of people who commit mass murder, most are not psychopaths - far more often they are deeply depressed and suicidal," he wrote.
There is help available and often a loved one may need to assist the depressed man to seek this. It is hard to be around someone who is depressed, so a natural reaction may be to create distance, which only leads to more isolation of the depressed person. It is important not to say something suggesting the person has a lack of coping skills, weakness or a character flaw.
William's death is opening the door for men to seek help. It is not hopeless. The stigma about talking about depression exists, but it is an act of courage and strength for men to reach out. And we, as a society need to respect and honor men who will talk about it and not judge them.
Pamela Field has been a psychiatric nurse for more than 20 years and is an active mental health advocate. She is interested in community input on mental issues and may be reached at 575-312-2288 and firstname.lastname@example.com.


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Not a current user? Sign up now!
Irish emigrants in New York prepare for their first Christmas away from home.
Two round trip flights to Ireland + two nights at the luxurious Merrion Hotel in Dublin!
Sign up to our newsletter today for a chance to win your next trip to Ireland!
Closing date: December 31st. Don't Irish Goodbye...
No thank you - I am not interested


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Online Tutorial on Reading Old Handwriting from England and Wales 1500 to 1800Edit This Page
From FamilySearch Wiki
Reading old handwriting can be a challenge, but a website from The National Archives in England provides practical tips and sample documents on how to read old handwriting.
Internet Address
or search google.com for palaeography tutorial
Using the Site
Click on the links on the left side of the page to go through the tutorial
Need wiki, indexing, or website help? Contact our product teams.
Did you find this article helpful?
You're invited to explain your rating on the discussion page (you must be signed in).
- This page was last modified on 19 August 2009, at 02:48.
- This page has been accessed 1,707 times.
BROWSEby country by topic
Future Changes to the Wiki
Changes are coming to the FamilySearch Research Wiki in the near future. Find out more on the Wiki Community News page.Community News


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by Sail-World
Doyle Sails Loft is running a seminar tomorrow Tuesday, October 14 from 7.00pm at the Doyle Sails Loft, Neild Avenue, Rushcutters Bay, Sydney. Included in the evening will be a computers and programs talk for onboard sailing by Frank Walker and a presentation by Jeff Lenton on laptops and hardware on yachts.
Doyle Sailmakers
Computer and software demonstrations on the packages will be available for viewing on the night.
This is part of the 2008 Doyle Sails Seminars series and John Hearne, from Doyle Sails Rushcutters Bay explains what the aim of the seminar series is.
'The focus is to help people – broaden people's skill levels with their boats. We can run seminars and we can talk about sails all the time but that doesn't really help (them) all that much.
'We've been running our new, more broadly based, Doyle Sails seminars for the last three months.
'We brought Richard Bouzaid from New Zealand to bring another skill level and sail design level into the seminars. He's been with Team NZ and Alinghi and the Volvos – he knows what's going on.
'Our last seminar was on IRC; we had a Naval architect talk on this subject and we all learned a lot.
'Our next one is tomorrow Tuesday. Everybody keeps talking about these computer programs, Expedition and McSea and Internet on boats, it's hard to find out information about them – so we thought we would invite our customers and bring in people who know a lot about the programs to answer questions for them.
'Later in the year we've got a weather expert coming in – and then we've got a navigation person coming too. The aim is that by the time our clients get to Hobart, they should know a little more about sail trimming, making their boat fast, how to use the electronics, how to read the weather and how to make a race plan for the navigator.
'And we bring in things about sails– it is put on by Doyles – we are trying to give added value to our customer.
'Generally we have tried to keep the numbers down, because in sailing, you get a large cross section of skill levels. We get better feedback and better quality of questions when they're (our seminars) are not too big.
'We want to get the word out there – and if people want us to go to clubs and put on our information seminars, we will. '
To enquire, or for further information phone: Doyle Sailmakers on Sydney 9361 4836.
Website: www.doylefraser.com


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Pioneer Crossing Casino general manager Jerri Stoddard, right, presents Yerington resident Alyssa Lacey with cash after Lacey won a $40,000 jackpot at the casino.
- Filed Under
Yerington woman Alyssa Lacey is taking home $40,000 after playing less than $20 and hitting a bonus on the Timber Wolf Gold Class machine for a grand total of $40,077.60 won at Pioneer Crossing in Yerington.
"We couldn't be happier that this money was won by a local and will continue to stimulate the Yerington economy," said Clint Johnson, chief operating officer of Pioneer Crossing Casinos.
Pioneer ...


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Newegg.com - A great place to buy computers, computer parts, electronics, software, accessories, and DVDs online. With great prices, fast shipping, and top-rated customer service - once you know, you Newegg.
If you are reading this message, Please click this link to reload this page.(Do not use your browser's "Refresh" button). Please email us if you're running the latest version of your browser and you still see this message.
Newegg.com - Computer Parts, Laptops, Electronics, HDTVs, Digital Cameras and More!
Sold and Shipped by HealthMegaMall
Funnel, Analytical, PP, 35mmThese heavy-duty polypropylene (PP) analytical funnels are perfect for use in Analytical Chemistry applications. They feature long, narrow stems, which make them ideal for use with liquids. The analytical funnels have internal and external ribbing which helps to prevent air lock. They are angled at exactly 60° for rapid filtration. Available in 9 different sizes, these analytical funnels accommodate standard filter paper sizes. •Translucent polypropylene (PP). •60° angle for quick filtration. •For use with standard filter paper. •Excellent chemical resistance. •Can withstand temperatures of up to 120°C. •Autoclavable at 121°C for 20 minutes. Funnel Size: Cap.: Top Diameter: Stem Length: Stem Diameter: 27mm 3.5mL 25mm 37mm 4mm 37mm 10mL 35mm 37mm 5mm 46mm 20mL 50mm 43mm 5mm 66mm 50mL 65mm 62mm 10mm 81mm 100mL 80mm 70mm 11mm 100mm 200mL 100mm 82mm 11mm 120mm 350mL 120mm 86mm 11mm 150mm 700mL 150mm 115mm 14mm 183mm 1250mL 180mm 140mm 14mm Qty/Unit 20Product photo may not exactly match the product offered for sale. Please refer to the product description.
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Please add "firstname.lastname@example.com" to your address book to ensure delivery.See Today's E-Blast Promo


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Football Game Day Canvas Reproduction
Complete your football themed kid's room with the Football Game Day Canvas Reproduction. This vintage inspired canvas art for boys features an oversized football that is sure to make a statement in your sporty boy's room for years to come. Features Include:
Category: Art, Blue Canvas Art
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Newark by-election poll: Conservatives on track to win
Posted: May 30, 2014|
The Conservatives are on course to win the Newark by-election, a poll has revealed.
But UKIP would only miss out on the seat by 2,300 votes, the Survation poll for the Sun revealed.
The poll put the Tories on 36 per cent (down 18 per cent from the last general election), UKIP on 28 per cent and Labour on 27 per cent.
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Take our Newark by-election poll and tell us who you think should win
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Other findings from the survey of 606 people include the fact that one quarter of those who voted Conservative in 2010 in Newark are planning to vote UKIP in next week's by-election and of those who did not vote in 2010, almost a third (31 per cent) are planning to vote UKIP, while 18 per cent are planning to vote Conservative.
Damian Lyons Lowe, Chief Executive of Survation, who conducted the poll said: "With just one week to go to polling day in the Newark by-election these results show that Nigel Farage's party need to make significant progress in the final week of campaigning to topple the Conservatives in what would under any normal conditions be a very safe Conservative seat."
With turnout around 40 per cent (similar to recent by-elections), the poll results would mean a Conservative majority of about 2,300, down from 16,152 at the last general election.
Eleven candidates are standing in the Newark by-election. They include Robert Jenrick (Conservatives), David Watts (Lib-Dems), Roger Helmer (Ukip), Michael Payne (Labour), David Kirwan (Green), and Paul Baggaley and Andy Hayes standing as independents.
Voters will also have the option of backing David Bishop of the Bus-Pass Elvis Party, Nick the Flying Brick of the Monster Raving Loony Party, Dick Rodgers for Stop Commercial Banks Owning Britain's Money, and Lee Woods for the Patriotic Socialist Party.


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Boston (74-53) at San Francisco (55-69)
The Boston Red Sox own the most wins in the AL, and the best overall record in interleague play has helped them accomplish that.
They're now hoping Xander Bogaerts can have an impact in his expected major league debut.
A day after being recalled from the minors, Bogaerts is expected to be in the lineup as the Red Sox attempt to win for the 10th time in 11 interleague games Tuesday night against the last-place San Francisco Giants.
Boston (74-53) leads the AL East by one game over Tampa Bay, and the Red Sox's success versus the opposite league has played a big role.
They're batting .327 and averaging 5.7 runs with a 10-3 interleague record compared to the Rays' 12-8 mark.
Boston has won 17 of 21 against the NL dating to last season, including four of five on the road after opening this three-game series with Monday's 7-0 rout of San Francisco (55-69).
Bogaerts, one of Boston's top prospects, provides depth at third base and shortstop, and hit .297 with 15 homers, 67 RBIs, 23 doubles and six triples in 116 minor league games between Triple-A and Double-A this season.
"He's had a very good year offensively," manager John Farrell said. "He's still got some development to do on the defensive side that he's working through, as well as on the basepaths. But we're talking about a young, exciting offensive player - a very good player all around that, at 20 years of age, is still developing. But we feel like he as a person and his abilities will give us a shot in the arm and make an impact here."
While Bogaerts will be looking to make an early impression, Shane Victorino and Jacoby Ellsbury will try to continue their interleague dominance.
Victorino, who spent his first nine seasons in the NL, is hitting .444 with six doubles and six RBIs in nine contests against his former league. The right fielder had three of Boston's 12 hits Monday with an RBI to improve to 7 for 14 over the past three games overall.
Ellsbury singled in the opener to extend his interleague hitting streak to 16 games. He's batting .435 with nine stolen bases during that stretch.
Another strong offensive showing could help Jake Peavy (9-5, 4.41 ERA), who was supported with only six hits in Thursday's 2-1 loss to Toronto. The veteran right-hander tossed six scoreless innings before allowing two runs without getting an out in the seventh.
He's 1-1 with a 5.00 ERA in three starts since being acquired from the Chicago White Sox in a three-team, seven-player deal last month.
Peavy is making his first appearance in San Francisco since April 21, 2009, with San Diego. He's 8-5 with a 4.06 ERA in 13 career starts there.
The Giants, who have dropped 12 of 16 at home, are scheduled to counter with Ryan Vogelsong (2-4, 6.75), who gave up three runs and six hits over 3 2-3 innings at Washington on Thursday. He stood to get the loss before the Giants scored three in the ninth en route to a 4-3 win.
He was much better six days earlier, limiting Baltimore to two runs in six innings of a 5-2 loss in 10 in his return from a broken hand that sidelined him for 2 1/2 months.
Vogelsong is 1-2 with a 6.68 ERA in six home starts this season, and is facing the Red Sox for the first time since June 19, 2005, with Pittsburgh.
Team Comparison
|1st East
|Away 44-37
|Lost 2
|San Francisco
|3rd West
|Home 42-40
|Won 1


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Quotes & Info
|IFT > SEC Filings for IFT > Form 10-Q on 13-Nov-2012
|All Recent SEC Filings
Quarterly Report
The following discussion summarizes the significant factors affecting the consolidated operating results, financial condition, liquidity, and cash flows of our Company as of and for the periods presented below and should be read in conjunction with the financial statements and accompanying notes included with this Quarterly Report on Form 10-Q. This discussion contains forward-looking statements that are based on the beliefs of our management, as well as assumptions made by, and information currently available to, our management. Actual results could differ materially from those discussed in or implied by forward-looking statements as a result of various factors. See "Forward-Looking Statements."
We were founded in December 2006 as a Florida limited liability company and in connection with our initial public offering, on February 3, 2011, Imperial Holdings, Inc. succeeded to the business of Imperial Holdings, LLC and its assets and liabilities.
Imperial Holdings, Inc. (the "Company" or "Imperial") operates in two reportable business segments: life finance (formerly referred to as premium finance) and structured settlements. In the life finance business, the Company earns revenue/income from interest charged on loans, loan origination fees, agency fees from referring agents, changes in the fair value of life insurance policies that the Company acquires and receipt of death benefits with respect to matured life insurance policies it owns. The Company voluntarily terminated its premium finance business in connection with the USAO Investigation. See "Legal Proceedings." In the structured settlement business, the Company purchases structured settlement receivables at a discounted rate and sells these receivables to third parties.
Our Annual Report on Form 10-K for the fiscal year ended December 31, 2011 provides additional information about our business, operations and financial condition.
Recent Developments, Uncertainties & Outlook
In connection with the Non-Prosecution Agreement, Imperial voluntarily terminated its premium finance business. Accordingly, the Company did not recognize any agency fees during the six months ended June 30, 2012 and, once the Company's remaining premium finance loans mature, the Company will no longer recognize revenue from interest income or origination fees. The only material revenue that the Company expects to recognize from the premium finance business in 2012 is from changes in fair value of life settlements acquired upon default of premium finance loans and strategic sales of certain life insurance policies in its portfolio that were acquired upon default of premium finance loans. As a result, we expect our revenue in our Life Finance segment to be materially lower in 2012 than in prior year.
Additionally, the Company's ability to generate new business in the life finance segment continued to be limited in the first half of 2012 as the Company originated no premium finance loans and, in order to conserve capital, did not purchase policies through life settlement-related acquisitions. As a consequence, the Company's portfolio of life insurance policies is smaller than previously projected, which may result in more volatility and adversely affect the portfolio's performance.
In the structured settlements segment, on January 12, 2012, the Company resumed financing term certain structured settlements using its dedicated facility for those receivables after signing an acknowledgement that provided for certain payments in respect of, the transfer of the ownership of certain lock-box accounts associated with the facility. The Company also continued to fund life-contingent structured settlements under a forward purchase and sale arrangement entered into on December 30, 2011. However, this new arrangement compressed the Company's margins as it required the Company to sell life-contingent structured settlements at a discount rate that was 50 basis points higher than the rate used in the prior facility at June 30, 2012.
The Company has also expended considerable resources resolving the USAO Investigation, as well as responding to the SEC Investigation and related litigation, advancing indemnification costs on behalf of certain employees and in conducting an independent investigation of the facts and circumstances surrounding the USAO Investigation. As of June 30 2012, the Company's legal and related fees in respect of these matters was $17.0 million, including $10.2 million incurred during the six months ended June 30, 2012. Moreover, the Company's D&O carriers have disputed several of the claims and reserved their rights, and the Company's primary D&O carrier filed a declaratory judgment action on June 13, 2012 seeking a judgment that the claims submitted by the Company are precluded under a prior and pending litigation exemption.
At the time of the Company's initial public offering, the Company intended to hold the majority of the life insurance policies it acquired to maturity while strategically trading in and out of certain policies. In light of the USAO Investigation, the SEC Investigation, the related shareholder litigation and the related unbudgeted expenses incurred by the Company, the
The counterparty in any policy sale or debt financing described above will likely require that the Company acquire updated life expectancy reports to consummate a transaction. The Company also believes that potential lenders in any such financing will likely establish a loan-to-value ratio or borrowing base based off of a "blend" of life expectancy results furnished by the Company's historical provider of life expectancy reports, AVS Underwriting LLC, and another third party life expectancy provider, 21st Services, LLC. Accordingly, the Company has started to order updated life expectancy reports from these providers and began receiving updated life expectancy reports during the end of third quarter of 2012. The Company has not evaluated the changes that could impact the carrying value of its portfolio of life insurance policies in future periods if it applies updated and/or "blended" life expectancy reports to its valuation model, although these changes may be material.
Critical Accounting Policies
Critical Accounting Estimates
The preparation of the financial statements requires us to make judgments, estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. We base our judgments, estimates and assumptions on historical experience and on various other factors that are believed to be reasonable under the circumstances. Actual results could differ materially from these estimates under different assumptions and conditions. We evaluate our judgments, estimates and assumptions on a regular basis and make changes accordingly. We believe that the judgments, estimates and assumptions involved in the accounting for the loan impairment valuation, allowance for doubtful accounts, income taxes, valuation of structured settlements and the valuation of investments in life settlements have the greatest potential impact on our financial statements and accordingly believe these to be our critical accounting estimates. Below we discuss the critical accounting policies associated with the estimates, as well as selected other critical accounting policies.
Life Finance Loans Receivable
We report loans receivable acquired or originated by us at cost, adjusted for any deferred fees or costs in accordance with Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") 310-20, Receivables-Nonrefundable Fees and Other Costs, discounts, and loan impairment valuation. All loans are collateralized by life insurance policies. Interest income is accrued on the unpaid principal balance on a monthly basis based on the applicable rate of interest on the loans.
In accordance with ASC 310, Receivables, we specifically evaluate all loans for impairment based on the fair value of the underlying policies as collectability is primarily collateral dependent. The loans are considered to be collateral dependent as the repayment of the loans is expected to be provided by the underlying insurance policies. In the event of default, the borrower typically relinquishes ownership of the policy to us in exchange for our release of the debt (or we enforce our security interests in the beneficial interests in the trust that owns the policy). For loans that have lender protection insurance, we make a claim against the lender protection insurance policy and, subject to terms and conditions of the lender protection insurance policy, our lender protection insurer has the right to direct control or take beneficial ownership of the policy upon payment of our claim. For loans without lender protection insurance, we have the option of selling the policy or maintaining it on our balance sheet for investment.
We evaluate the loan impairment valuation on a monthly basis based on our periodic review of the estimated value of the underlying collateral. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The loan impairment valuation is established as losses on loans are estimated and the provision is charged to earnings. Once established, the loan impairment valuation cannot be reversed to earnings.
In order to originate premium finance transactions our lenders required that we procure lender protection insurance. This lender protection insurance mitigates our exposure to losses which may be caused by declines in the fair value of the underlying policies. At the end of each reporting period, for loans that have lender protection insurance, a loan impairment valuation is established if the carrying value of the loan receivable exceeds the amount of coverage. The lender protection insurance program was terminated as of December 31, 2010, and all loans originated after December 31, 2010, do not carry lender protection insurance coverage. Thus, for all loans originated in 2011 and beyond, a loan impairment valuation is established if the carrying value of a loan receivable exceeds the fair value of the underlying collateral. The provision for losses on loans receivable has increased during the six months ended June 30, 2012 as a result of the decline in the estimated fair value of the collateral due to the higher discount rate applied in the fair value model. See Notes 7, 11 and 12 to the accompanying consolidated and combined financial statements.
As of July 1, 2010, we elected to adopt the fair value option, in accordance with ASC 825, Financial Instruments, to record newly-acquired structured settlements at fair value. We have the option to measure eligible financial assets, financial liabilities, and commitments at fair value on an instrument-by-instrument basis. This option is available when we first recognize a financial asset or financial liability or enter into a firm commitment. Subsequent changes in the fair value of assets, liabilities, and commitments where we have elected the fair value option are recorded in our consolidated and combined statement of operations. We have made this election for our structured settlement assets because it is our intention to sell these assets within the next twelve months, and we believe it significantly reduces the disparity that exists between the GAAP carrying value of these structured settlements and our estimate of their economic value.
Fair Value Measurement Guidance
We follow ASC 820, Fair Value Measurements and Disclosures, which defines fair value as an exit price representing the amount that would be received if an asset were sold or that would be paid to transfer a liability in an orderly transaction between market participants at the measurement date. As such, fair value is a market-based measurement that should be determined based on assumptions that market participants would use in pricing an asset or liability. As a basis for considering such assumptions the guidance establishes a three-level fair value hierarchy that prioritizes the inputs used to measure fair value. Level 1 relates to quoted prices in active markets for identical assets or liabilities. Level 2 relates to observable inputs other than quoted prices included in Level 1. Level 3 relates to unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Our investments in life insurance policies and structured settlements are considered Level 3 assets as there is currently no active market where we are able to observe quoted prices for identical assets and our valuation model incorporates significant inputs that are not observable. Our impaired loans are measured at fair value on a non-recurring basis, as the carrying value is based on the fair value of the underlying collateral. The method used to estimate the fair value of impaired collateral-dependent loans depends on the nature of the collateral. For collateral that has lender protection insurance coverage, the fair value measurement is considered to be Level 3 as the insured value is an observable input to the Company, but not observable to market participants. For collateral that does not have lender protection insurance coverage, the fair value measurement is considered to be Level 3 as the estimated fair value is based on a model whose significant inputs are the life expectancy of the insured and the discount rate, which are not observable.
Ownership of Life Insurance Policies
In the ordinary course of business, a large portion of our borrowers default by not paying off the loan and relinquish ownership of the life insurance policy to us in exchange for our release of the obligation to pay amounts due. We also buy life insurance policies in the secondary and tertiary markets. We account for life insurance policies that we own as investments in life settlements (life insurance policies) in accordance with ASC 325-30, Investments in Insurance Contracts, which requires us to use either the investment method or the fair value method. The election is made on an instrument-by-instrument basis and is irrevocable. We have elected to account for these life insurance policies as investments using the fair value method.
We initially record investments in life settlements at the transaction price. For policies acquired upon relinquishment by our borrowers, we determine the transaction price based on fair value of the acquired policies at the date of relinquishment. The difference between the net carrying value of the loan and the transaction price is recorded as a gain (loss) on loan payoffs and settlement. For policies acquired for cash, the transaction price is the amount paid.
Valuation of Insurance Policies
Our valuation of insurance policies is a critical component of our estimate for the loan impairment valuation and the fair value of our investments in life settlements (life insurance policies). We currently use a probabilistic method of valuing life insurance policies, which we believe to be the preferred valuation method in the industry. The most significant assumptions which we estimate are the life expectancy of the insured and the discount rate.
In determining the life expectancy estimate, we analyze medical reviews from independent secondary market life expectancy providers ("LE providers"). Historically, the Company has procured the majority of its life expectancy reports from two life expectancy report providers and currently uses only AVS Underwriting, LLC ("AVS") life expectancy reports for valuation purposes although the Company is aware that many market participants use life expectancy reports from two LE providers and "blend" the results. See Recent Developments, Uncertainties & Outlook in this Management's Discussion and Analysis of Financial Condition and Results of Operations. The LE provider reviews the medical records and identifies all medical conditions it feels are relevant to the life expectancy of the insured. Debits and credits are then assigned by the LE provider to the individual's health based on these medical conditions. The debit or credit that an LE provider assigns to a medical condition is derived from the experience of mortality attributed to this condition in the portfolio of lives that it monitors. The health of the insured is summarized by the LE provider into a life assessment of the individual's life expectancy expressed both in terms of months and in mortality factor.
The probability of mortality for an insured is then calculated by applying the life expectancy estimate to a mortality table. The mortality table is created based on the rates of death among groups categorized by gender, age, and smoking status. By measuring how many deaths occur before the start of each year, the table allows for a calculation of the probability of death in a given year for each category of insured people. The probability of mortality for an insured is found by applying the mortality rating from the life expectancy assessment to the probability found in the actuarial table for the insured's age, sex and smoking status. The Company applies an actuarial table developed by a third party. In contrast, in pricing trades, we believe many market participants generally reference a table developed by the U.S. Society of Actuaries known as the 2008 Valuation Basic Table, or the 2008 VBT. The table used by the Company to value its life settlements is generally more conservative in that it applies the mortality experience of an insured population that is representative of participants in the life settlement market. Because of the relative greater wealth of the insured whose life insurance policy is sold into the life settlement market, and thus their access to superior healthcare, these individuals tend to live longer than the general population. This is referred to by participants in the life settlement market as the "wealth effect." The Company believes the modified table is consistent with modified tables used by market participants and third party medical underwriters.
The mortality rating is used to create a range of possible outcomes for the given life and assign a probability that each of the possible outcomes might occur. This probability represents a mathematical curve known as a mortality curve. This curve is then used to generate a series of expected cash flows over the remaining expected lifespan of the insured and the corresponding policy. A discounted present value calculation is then used to determine the price of the policy. If the insured dies earlier than expected, the return will be higher than if the insured dies when expected or later than expected.
The calculation allows for the possibility that if the insured dies earlier than expected, the premiums needed to keep the policy in force will not have to be paid. Conversely, the calculation also considers the possibility that if the insured lives longer than expected, more premium payments will be necessary. Based on these considerations, each possible outcome is assigned a probability and the range of possible outcomes is then used to create a price for the policy.
As is the case with most market participants, the Company uses life expectancies that are provided by third-party life expectancy providers. These are estimates of an insured's remaining years. If all of the insured lives in the Company's life settlement portfolio live six months shorter or longer than the life expectancies provided by these third parties, the change in fair market value would be as follows (dollars in thousands):
Change LE Mths Adj Value in Value +6 92,701 (17,909 ) - 110,610 - -6 130,902 20,292
The Company believes that investors in esoteric assets such as life insurance policies typically target yields averaging between 12-17% for investments of more than a 5 year duration, which is consistent with the Company's historical use of a 15%-17% discount rate to value its life insurance policies prior to the third quarter of 2011.
Given the Company's prominence as one of the few publicly traded companies in the life settlements space, we believe that the USAO Investigation itself along with certain unfavorable court decisions unrelated to the Company contributed to a contraction in the marketplace that continued to reverberate through 2011. This perceived softening in the market was also corroborated by third party consultants engaged by the Company and is consistent with discussions involving the Company and other market participants. In general, since the onset of the credit crisis in 2007, capital has been limited and credit has been costly for the purchase of life insurance policies in the secondary and tertiary markets. At December 31, 2011, in light of the USAO Investigation and publicly available information about the Company and the investigation at that time, when given the choice to invest in a policy that was associated with the Company's premium finance business and a similar policy without such an association, all else being equal, the Company believes that an investor would have generally opted to invest in the policy that was not associated with the Company's premium finance business. Accordingly, the Company determined that it was appropriate to adjust its discount rates as necessary at December 31, 2011 because of the increased perceived risk premium that a market participant would require to transact in a policy associated with the Company, which resulted in a weighted average discount rate of 24.31%. For reporting purposes, the Company maintained this view during the first quarter of 2012 and held its discount rates constant at March 31, 2012, which resulted in a weighted average discount rate of 24.59%.
As of June 30, 2012, the Company owned 204policies with an aggregate investment in life settlements of $110.6 million. Of these 204 policies, 161 were previously premium financed and are valued using discount rates that range from 19.25% - 30.85%. The remaining 43 policies are valued using a discount rate of 17.25%.
The discount rate incorporates current information about market interest rates, the credit exposure to the insurance company that issued the life insurance policy and our estimate of the risk premium an investor in the policy would require. The extent to which the fair value could vary in the near term has been quantified by evaluating the effect of changes in the weighted average discount rate on the death benefit used to estimate the fair value. If the weighted average discount rate were increased or decreased by 1/2 of 1% and the other assumptions used to estimate fair value remained the same, the change in fair market value would be as follows (dollars in thousands):
Wtd. Agv Rate Rate Adj. Value Change in Value 23.78% -.50 % 113,311 2,701 24.28% - 110,610 - 24.78% +.50 % 108,024 (2,586 )
Future changes in the discount rate which we used to value life insurance policies could have a material effect on our yield on life settlement transactions, which could have a material adverse effect on our business, financial condition and results of our operations.
At the end of each reporting period we re-value the life insurance policies using our valuation model in order to update our loan impairment valuation for loans receivable and our estimate of fair value for investments in policies held on our balance sheet. This includes reviewing our assumptions for discount rates and life expectancies as well as incorporating current information for premium payments and the passage of time.
Revenue/Income Recognition
Our primary sources of revenue/income are in the form of unrealized change in fair value of life settlements, agency fees, interest income, origination fee income, servicing income and realized gains on sales of structured settlements. Our revenue/income recognition policies for these sources of revenue/income are as follows:
� Unrealized Change in Fair Value of Life Settlements-The Company acquires certain life insurance policies through purchases in the secondary and tertiary markets and others as a result of certain of the Company's borrowers defaulting on premium finance loans and relinquishing the . . .


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I as a bi male in a long distance relationship with my wife I get a lot of people who get very rude about wanting to screw my wife. I confront such people right up front asking them to reverse the rolls and if I was talkingf to or about thier wife like that would they be offended, most appoligize others just log off. But on the flip side I try to be very alert of what I say and take into consideration not to mention anything specific about sex but state I would like to meet. I also am honest about my wife being away and the prospects when she returns and have met some really nice people on line but to date haven't found the couple who wants the "bi guy" to come along. I don't think they really exist sometimes and wonder at other times if I am approaching it all wrong and thats why I am so reserved about what I say . Also when I send a pic if there are no nude pics or none at all in a profile I will only send a pic of me or us clothed or a pic that contains no nudity , if they have nude pics I send nude ones just how I feel it should be done . Well any way there is my point of view from both sides of it as a single male looking and a husband who cant stand rudness toward my wonderful wife.
Looking for fun from anyone willing to share.
s, females, couples, group, transexuals, cross dressers, shemales, whatever. Email me and we can arrange something. Send a pic if you have one. I prefer bottom and love to suck. Nude pics are best
I have pics too. You first though.
I should point out since the pictures on here can not be copied, there is no danger of faces getting put all over the net. My own feelings is that face pics suggest sincerity and hopefully generate responses from people genuinely interested in you. Our nude pics are safely behind our PIN number...
Most of the time...
JenRick you are not at all wrong I have to responded to posts with just a cock shot and have since tried to send a full body clothed pic where there are none posted by the originator and then nude or "cock shot" if thats what they posted or based on the topic especially email to people with out pics I always send an g rated pic with availabilty of nude pics upon request,. So i agree with you on thet we dont like getting just cock shots and if we dont get a full face pic we will not pursue any further. So its Good Advice great job you are nice people wish we were closer. luvrs4life
hey hun this is the husband my wife and i r lookin for a relationship we r located in kearney plz cum for a visit and more email us we r interested in u email is plz do respond
i have always wished to attend a nude beach as well. love being nude and seen nude.
I think one of my bigest problems with profiles Is no pics.Iam not talking about nude pics eaither I would b happy with a facial pic .I know everyone dosent have a cam and cant always put a pic up .But if i dont see a pic i mostlikly going to pass it up .Also the n/a on sexual prefreance iam not realy happy with that if there not sure i cant b sure if i want to continue to look .
s &
es to all
Would like to have someone local to take nude pics of me to post on here.
Lol, I'm actually a beautiful young black female, I know I must be having this problem finding a woman that like a woman like me is bc I don't have pics.. but I'm willing to share tho pics with the right ladies
If ur sexy, nice bod/face and live or can make it to the Miami area, email me w/body/nude/face pics. I've never been w/another female and now is the time to try it, my b/f may or may not join us. Single women only plz, no couples unless it's a girl couple. You can see my pics in my profile. No commitments, just sexual play in bed only.
I always prefer to see facial portrait type pics for starters. Once I get to know someone then I like to see "more" of them. I guess I'm the oppisite of you, I like to save my nude pics for those I'm serious about.
Ann, the
half of BiMelos
"A house without a cat, isn't a home" --Unknown
Being Naked
I talk to you nude now.I'm sry about being so Tom!I'm just wishing that eve never ate that apple.There is nothing better in this life than to be nude.Nude beaches,nudists camps,lets all get nude + be happy about that.Makes me want streak.I'll do that
Being Naked
I talk to you nude now.I'm sry about being so Tom!I'm just wishing that eve never ate that apple.There is nothing better in this life than to be nude.Nude beaches,nudists camps,lets all get nude + be happy about that.Makes me want streak.I'll do that
I love being nude. I really don't like clothing. Unfortunately, I have a roommate, so I can't walk around nude. San Diego has one nude beach but it's a steep climb down and I'm disabled, so I can't make it.
Nude Camping
nude + camping,sounds like fun.Maybe like being on a pontoon boat + skinny dipping.being nude is my big deal,I love it,along with being an exhibitionist.So why not go camping without clothes,I'd even prop my ass up in the air for all to see.
Camping Nude
i am deffinately a nudist. i love doing anything nude,but camping nude is the greatest. i
swimming,laying on the beach,walking thru the woods,camping,or just kicking around the campfire with friends,all naked,and no clothes allowed all weekend
Nude Camping
i absolutely love camping nude !!! i love to do anything nude,hahaha
Bisexual Nudist
well,i am bi,and i am a nudist ! i love being nude all the time,especially outdoors in the summer,at a nude beach,or otherwise. would love to have some friends along . i would love to have friends that are the same,so we can have some fun together
tanning nude
Haulover Beach Park
Nude Beaches!
Sleeping Nude
Sleeping nude is the only way to sleep.
Nude Camping
Nude camping and other things too! LOL
Nude Camping
I would like to know if any one knows of any place in Missouri to camp nude .
Nude Camping
I agree tigerlily. Nothing like the other things when camping in the nude!!
Hiking ! (Nude when possable) & Playing along the way.......
Nude Camping
I would love to try to go to a nude camping do anyone know one in new York city
Panty Pics
I have taken pics of myself in some of my panties
I've looked at the pics of them and don't understand what they are.
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Hey, thanks a ton. I absolutely love your site. There are so many beautiful posts/pics here. Mmmm, could be fun.
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text:
England striker Darren Bent has revealed Fabio Capello refused to blame him for a pair of costly misses in his side's 2-2 draw against Switzerland.
Capello's team would have completed an impressive fightback against the Swiss if Bent had taken two gilt-edged chances that came his way in the second half of the UEFA EURO 2012 qualifier at Wembley yesterday. England had just recovered from two goals down to equalise soon after half-time when Jack Wilshere's sublime pass put Bent clean through on goal.
The Aston Villa striker out-paced Johan Djourou but, with just Diego Benaglio to beat, he lost his footing and allowed the Swiss goalkeeper to save. Unfortunately there was worse to come for Bent, who had scored three goals in his last three internationals, as he squandered an even better chance in the closing stages.
When Benaglio failed to hold an Ashley Young shot, it seemed certain that Bent would bury the rebound from ten yards. However he got his body shape all wrong and spooned his shot way over the open goal. It was easily one of the worst misses by an England striker for decades and it proved to be the final opportunity for Capello's men.
Capello refused to criticise
Bent's wayward finishing has put England under increased pressure to win their final three Group G matches against Bulgaria, Wales and Montenegro next season as they bid to reach EURO 2012 without the need for a second-place play-off. But Capello opted against criticising Bent in front of his team-mates.
"I walked into the dressing room and straight away Fabio said don't worry about it," Bent said. "I even walked over to the touchline after the second chance and he said don't worry. It was a great ball from Jack for the first one but the keeper came out and there wasn't really an angle to put it in there.
"Of course I would expect to score the second one but all strikers miss chances and I'm sure when the next one comes I will bury it. As a striker you practice taking chances like that but today it wasn't meant to be. But we will move on from that and take the positives from the game."
Although Capello has been pleased with Bent's progress since his £18million move from Sunderland to Villa in January, he could find his place in danger after this horror show. Wayne Rooney will be back from international suspension next season and Bent admitted all he can do is continue his good form for Villa and hope Capello maintains his forgiving stance.
"He has shown real faith in me this season. He has played me again for another 90 minutes and I thank him for that. That hasn't always happened in the past," Bent said. "All I can keep doing is do well for my club, which I think I did this season."
Terry not looking for excuses
Capello believes England were below their best against the Swiss because they were exhausted at the end of a long season and Bent agrees that fatigue was a factor in the lacklustre display. "I'm sure some of the guys who have played in the Champions League will have played a lot of games. It's difficult. I wouldn't say it's a bad excuse," he said.
"People do get tired. If we had played as well in the first half as we did in the second the game would have been a bit better. I'll get a good rest now because it's been a long old season and I need to rest my bones and come back ready to compete for the striker spot again."
However, England captain John Terry insisted his team-mates shouldn't use tiredness as an excuse. "That's no excuse, we're not going to stand here and say we're tired," he said. "We're not going to come out here and use excuses like that. The players pride themselves on how they look after themselves. We're disappointed with two sloppy goals but we fought hard to get back into the game."


text:
HR and CSR issues
5th Technology Experience Day at Bosch: High school students look behind the scenes Hands-on research and development
- Day of activities for senior high school students to take place at the Bosch Engineering Center in Schwieberdingen on October 21, 2011
- 330 students from the greater Stuttgart region to take part
- Aim to show relevance of science subjects for engineering work
Save text
- October 21, 2011
- HR and CSR issues
- Press releases
The Bosch Group is a leading global supplier of technology and services. It employs roughly 360,000 associates worldwide (as per April 1, 2015). The company generated sales of 49 billion euros in 2014.* Its operations are divided into four business sectors: Mobility Solutions, Industrial Technology, Consumer Goods, and Energy and Building Technology. The Bosch Group comprises Robert Bosch GmbH and its roughly 440 subsidiary and regional companies in some 60 countries. Including its sales and service partners, Bosch is represented in roughly 150 countries. This worldwide development, manufacturing, and sales network is the foundation for further growth. In 2014, Bosch applied for some 4,600 patents worldwide. The Bosch Groups strategic objective is to create solutions for a connected life. Bosch improves quality of life worldwide with products and services that are innovative and spark enthusiasm. In short, Bosch creates technology that is Invented for life.
PI7554 - October 21, 2011


text:
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All Comments
youre going to develop CVD
Love your videos and love your body!
You are so hot. I love your videos.
Now thats one sweet wet mouth that sure no's to suck a cock anplease a man.
mmmm...i Was snowed in also, but here in Kansas city. I wish I had you with me and that was my dick. I dont think i would have minded being snowed in one bit.


text:
ContentNews Features Press Releases Solicitations Events
Chew Vol 7: Bad Apples
Story By: John Layman
Art By: Rob Guillory
Published: August 21, 2013
Diamond ID: JUN130436
Presenting a new storyline of the New York Times Best Selling, Harvey and multiple Eisner Award-winner series about cops, crooks, cooks, cannibals, and clairvoyants. Tony Chu - the cibopathic federal agent with the ability to get psychic impressions from what he eats - is back in action, just in time to face a cult of egg-worshipping terrorists who've declared holy war on the chicken-eaters of the world. Collects CHEW # 31-35.
Print: $12.99
Collected Editions
Chew, Vol. 10: Blood Puddin' TP
Published: August 5, 2015
Print: $14.99
Digital: $5.99
Chew, Vol. 9: Chicken Tenders TP
Published: February 25, 2015
Print: $14.99
Digital: $5.99
Published: November 25, 2015
Print: $3.50
Digital: $2.99
Published: October 28, 2015
Print: $3.50
Digital: $2.99


text:
Architects sought for £40m Somers Town overhaul
London's Camden Council is seeking architect-led design teams for the £40 million overhaul of Somers Town near St Pancras
Winning architects will work up feasibility studies and designs for three lots. The first features an £18.4 million housing development and new build school.
The second will include an £8.5 million private housing scheme with ground level commercial uses and the third lot is a £3.8 million community hub.
A fourth lot also covers landscape and masterplanning for all three plots.
Construction is planned to begin in 2015 and complete by mid-2018.
Documents will be available through Camden's allocated page up until the deadline for responses which is 9 March.
The four lots
- Lot one; the Edith Neville School & Polygon Open Space site. The appointed team will be responsible for housing development on the site and the design of the new build primary school with an £18.4 million budget and appointment from RIBA stage 0 to 4.
- Lot two; Brill Place Residential in Central Somers Town. Made up of a new private residential development with commercial occupiers at ground levels with an estimated budget of £8.5 million on Brill Place through RIBA stages 0 to 3.
- Lot three; Community Facilities in Central Somers Town. Set to include a 'community hub' housing a nursery, residents hall and community garden, the build has a £3.8 million budget with the successful team appointed from RIBA stage 0 to 4.
- Lot four; overall urban landscape and public realm works across lots one to three. Co-ordination of the three architectural teams selected for the previous lots will fall under lot four's responsibilities.
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text:
Daliah & Malcolm Rawlins: They didn't sell VT T-shirts, YET!
Harbor Gift Shop located just by the Oceanside Harbor and Marina among a few other gift stores.
They sell T-shirts (for kids and adults), various gifts like boat models, oceanic shells, cards, various pictures etc.
Hmm... unfortunately they didn't sell VT T-shirts there, YET! But we were lucky to get them from Stephanie at the VT meeting :-))). Haha, they look the same after a lot of launderings. Thank you VT!
What to buy: T-shirts from Oceanside - especially for kids.
What to pay: A few $ (3-8) as I remember - depends on size and pattern.
- Family Travel
- Budget Travel
- Road Trip
T-Shirt Shack: Tee-Shirts
There was a great T-Shirt shack shop in the marina area that had some great deals on Oceanside and San Diego T-Shirts.
What to buy: T-Shirts
What to pay: They were priced at 1 for $5 or 3 for $11
- Beaches
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text:
Matt Mayhall (born April 30, 1978) is a Los Angeles-based drummer, composer, session musician, and educator. He is currently touring with The Both, a collaborative effort between acclaimed indie singer-songwriters Aimee Mann and Ted Leo. They have toured extensively across the U.S. and Canada, and performed on The Tonight Show with Jimmy Fallon, CONAN, and Late Night with Seth Meyers.
Since graduating from California Institute of the Arts with an MFA in Jazz Studies in 2008, Matt has been a sought-after sideman in an eclectic mix of musical settings. He has worked with jazz guitarist Anthony Wilson, avant-garde multi-instrumentalist Vinny Golia, visual/performance artist Mike Kelley, indie-folk singer Patrick Park, Susanna Hoffs of The Bangles, comedian Tim Heidecker, and actress/singer Emmy Rossum, to name only a few.
Matt also tours and records as a bandleader. Members of his ensemble include Adam Benjamin (Kneebody), Jeff Parker (Tortoise), and Tim Lefebvre (Tedeschi Trucks Band).
Matt earned both Bachelor of Music and Master of Music degrees in percussion from the University of Nevada, Reno. During his college years, he also attended workshops at the School For Improvisational Music in New York City, where he studied drums with Ben Perowsky, Gene Jackson, Jim Black, and Matt Wilson. At Cal Arts he studied closely with drummer Joe LaBarbera, trumpeter/composer Wadada Leo Smith, and bassist Charlie Haden. It was through his relationship with Haden that he began working with Charlie's son, Josh Haden. In 2008, Matt joined Josh's band, Spain. From 2008-2013, Spain recorded three albums and toured all over Europe a handful of times.
Matt is currently teaching at Musician's Institute in Hollywood. He is endorsed by Paiste Cymbals, C&C Custom Drums, and Innovative Percussion Drumsticks and Mallets.
Credits – Employers – Collaborators – etc.:
- The Both (Aimee Mann & Ted Leo)
- Miguel Atwood-Ferguson
- Adam Benjamin
- Scott Benzel
- Spencer Day
- Peter Epstein
- Schuyler Fisk
- Vinny Golia
- Petra Haden
- Tigran Hamasyan
- Devin Hoff
- Mike Kelley
- Lenka
- Tim Lefebvre
- Patrick Park
- Jeff Parker
- Miranda Lee Richards
- Emmy Rossum
- Chris Speed
- Anthony Wilson
Band Member:
- University of Nevada, Reno
- Community Arts Partnership
- University of California San Diego Summer Jazz Camp
- Academy of Creative Education
- Musician's Institute


text:
Today in history July 4th
America's Declaration of Independence; Former Presidents John Adams and Thomas Jefferson die on same day.
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